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Small-Business Grants for Women: 10 Go-To Spots #grants #and #loans #for #small #business


Small-Business Grants for Women: 10 Go-To Spots

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If you’re starting a business and need outside financing, it’s natural to be wary of small-business loans. Why take on debt if you can get a grant that you won’t have to repay?

But small-business grants for women — or men, for that matter — can be hard to come by. “There’s not a pot of free money,” says Michelle Somes-Booher, a business consultant at the Small Business Development Center in Madison, Wisconsin.

If you need business financing, two more likely options are business credit cards and small-business loans for women. The competition is fierce for small-business grants, and it takes a lot of time and effort to find them and complete the applications. However, if you’re up for the challenge, the payoff can be worth it.

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Here are 10 places women entrepreneurs can look for small-business grants .

Federal small-business grants for women

The federal government offers some grants for small-business owners, but they’re designated for very specific purposes, such as certain research and development projects or for businesses in rural areas. Government grants can’t be used to cover startup costs or day-to-day expenses, and most aren’t earmarked specifically for women.

Grants.gov is a database of all federally sponsored grants. You can search for small-business grants here — just make sure you filter the results on the left side of the page to view grants specifically for small businesses.

2. InnovateHER Challenge

The U.S. Small Business Administration hosts an annual competition for businesses with a marketable product or service that positively affects women s lives. To participate, you must first enter and win a local InnovateHER Challenge to advance to the national semifinal round. The top three national finalists will win $40,000, $20,000 and $10,000, respectively.

3. Small Business Innovation Research and Small Business Technology Transfer programs

The SBA facilitates these two competitive programs, which ultimately provide grants to small businesses that contribute to federal research and development. Eleven federal agencies, including the departments of Agriculture, Defense, and Health and Human Services, post grant opportunities on their websites. You can search all grant opportunities on the SBIR website.

State and local small-business grants

Because federal small-business grants are limited in number and often very competitive, you may have better luck looking for grants at the state and municipal levels. You’ll have to do your own research to pinpoint specific grant programs in your area, but here are some places to look:

4. Women’s Business Centers

The SBA sponsors about 100 Women’s Business Centers nationwide, designed to help women entrepreneurs with business development and access to capital. Some, such as the California Capital Financial Development Corp. lend money directly, while others simply help you find small-business grants and loans that you may qualify for.

5. Economic development agencies

Every state and many cities have economic development agencies focused on promoting a strong local economy. Even if the agency itself doesn’t offer a small-business grant, it will likely be able to point you in the right direction.

6. Small Business Development Centers

There are hundreds of these SBA-sponsored centers around the country, typically housed at colleges and universities. SBDCs offer free, one-on-one business consulting. Set up a meeting with your local SBDC advisor, who will be able to tell you about grants and other business financing opportunities in your area.

Private small-business grants for women

Some private organizations and businesses have created national grant programs for women small-business owners. Here are two to look into:

The Amber Grant Foundation awards $500 to a different women-owned business every month. At the end of each year, one of the 12 grant winners is awarded an additional $2,000. The application is relatively simple: Explain what your business is, describe what you’d do with the grant money and pay a $7 application fee. The foundation’s advisory board chooses the winners, looking for women with passion and a good story.

8. Eileen Fisher Women-Owned Business Grant

Eileen Fisher, a women’s clothing retailer, awards $100,000 to up to 10 women business owners each year. To be eligible, women must make up at least 51% of your business s ownership and leadership, your business must have been in operation for at least three years, it must not exceed $1 million in annual revenue, and it must be focused on environmental or social change.

Two other good possibilities for grants

These options aren’t specifically for women, but they’re good small-business grants to consider:

9. FedEx Small Business Grant

FedEx awards up to $25,000 apiece to 10 small businesses annually. The application requires an explanation of your business, how you’d use the money, photos of your business and — this part is optional — a short video explaining your business. You don’t need a FedEx account to apply.

10. Mission Main Street Grants

Chase Bank gives $150,000 to 20 small businesses each year through its Mission Main Street Grants program. To be eligible, you must have been in business at least two years and have fewer than 100 employees, and the application includes answering five essay questions.

Find and compare small-business loans

NerdWallet has come up with a list of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

To get more information about funding options and compare them for your small business, visit NerdWallet ssmall-business loanspage. For free, personalized answers to questions about financing your business, visit theSmall Businesssection of NerdWallet’s Ask an Advisor page.

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Early Childhood Education – Definition, Description #college #for #early #childhood #education


Early childhood education


Early childhood education (ECE) programs include any type of educational program that serves children in the preschool years and is designed to improve later school performance. In the second half of the twentieth century, the early education system in the United States grew substantially. This trend allowed the majority of American children to have access to some form of early childhood education.

There are several types of programs that represent early childhood education. They are also known by a variety of names, including preschool and pre-kindergarten (pre-K). One of the first early childhood education initiatives in the United States was the Head Start program, started in 1965. Head Start is a federal government education initiative that has provided children from low-income families free access to early education. It targets children of low socioeconomic status or those who qualify in some at-risk category. Head Start programs are funded by the federal Department of Health and Human Services.

Many early childhood education programs operate under the auspices of Title I of the Elementary and Secondary Education Act. Under Title I, local educational agencies apply to state agencies for approval of their program, and when approved, the programs are then funded with federal money. The No Child Left Behind Act (NCLB) of 2001 encourages the use of Title I, Part A funds for preschool programs, recognizing the importance of preparing children for entering school with the language, cognitive, and early reading skills that help them meet later academic challenges. In the school year of 2001 2002 approximately 300,000 children benefiting from Title I services were enrolled in preschool.

Other early childhood education programs may be run by private for-profit companies, churches, or as part of a private school curriculum. These programs are normally tuition-based.

Since the early 1990s, many states have developed options for children from middle- and upper-income families for receiving free preschool education. Georgia introduced the first statewide universal pre-K program, offering free early childhood education to all four-year-old children. New York and Oklahoma have also developed universal pre-K programs, and Florida voters have approved a constitutional amendment for a free pre-school program to be available for all four-year-olds by 2005.

Nearly three-fourths of young children in the United States are involved in some sort of early childhood education. Some groups of children have higher rates of participation in early childhood education programs than others. Children living in low-income households are less likely to be enrolled in ECE than those children in families living above the poverty line. Black and white children enroll in these programs in higher numbers than Hispanic American children. Children with better-educated mothers are more likely than other children to participate.

Benefits of early childhood education

Early childhood education can produce significant gains in children s learning and development. High quality early childhood education assists many at-risk children in avoiding poor outcomes, such as dropping out of school. Although the benefits seem to cross all economic and social lines, the most significant gains are almost always noted among children from families with the lowest income levels and the least amount of formal education. However, whether these benefits are long lasting is disputed. Some studies focused on the IQ score gains of disadvantaged children in Head Start programs, but these gains seemed to be short-term. However, studies also indicate that ECE produces persistent gains on achievement test scores, along with fewer occurrences of being held back a grade and being placed in special education programs. Other long-term benefits include decreased crime and delinquency rates and increased high school graduation. One extensive study found that people who participated in ECE were less likely to be on welfare as adults compared to those who had not received any early childhood education.

All programs in early childhood education are not equally effective in promoting the learning and development of young children. Long-term benefits are usually seen only in high-quality early childhood education programs. A significant problem with early childhood education is that most programs available cannot be considered high quality. In addition, the most effective ones are unaffordable for most American families. The overall effectiveness of an early childhood program is dependent upon several factors: quality staff, an appropriate environment, proper grouping practices, consistent scheduling, and parental involvement. According to the U.S. Department of Education, some additional characteristics of a high-quality early education program are as follows:

  • Children have a safe, nurturing and stimulating environment, with the supervision and guidance of competent, caring adults.
  • Teachers plan a balanced schedule in which the children do not feel rushed or fatigued.
  • The school provides nutritious meals and snacks.
  • The program includes a strong foundation in language development . early literacy, and early math.
  • The program contains a clear statement of goals and philosophy that is comprehensive and addresses all areas of child development.
  • The program engages children in purposeful learning activities and play . instructed by teachers who work from lesson and activity plans.
  • Balance exists between individual, small-group, and large-group activities.
  • Teachers frequently check children s progress.
  • The staff regularly communicate with parents and caregivers so that caregivers are active participants in their children s education.
  • Preschools that operate for a full day on a year-round basis, thus providing children with two years of pre-school, achieve better results than those that offer less intense services.

In high-quality preschool programs, observers should see children working on the following:

  • learning the letters of the alphabet
  • learning to hear the individual sounds in words
  • learning new words and how to use them
  • learning early writing skills
  • learning about written language by looking at books and by listening to stories
  • becoming familiar with math and science

Because of the potential benefits to children, some people support the idea of government-sponsored universal early childhood education programs. Those who support this movement do so for the following reasons:

  • The private and social costs of failing children early in their lives can be high. The lifetime social costs associated with one high school dropout may be as high as $350,000. Even modest improvements may justify the costs of ECE.
  • Some studies show that for every dollar invested in quality ECE citizens save about $7 or more on investment later on.
  • There is a potential for less reliance on welfare and other social services. Government receives more tax revenue because there are more taxpaying adults.
  • People should rethink the value of early childhood education because of increasing needs for a more highly educated workforce in the twenty-first century.
  • Early intervention may prevent intergenerational poverty.

Opponents of universal government early childhood education give the following reasons for objecting to it:

  • Evidence indicates that the positive effects from the fairly expensive and intensive pre-K programs tend to be short-term.
  • The public schools are already fraught with problems, and providing a downward extension to three- and four-year-olds is ill conceived.
  • Some studies show that premature schooling may potentially slow or reduce a child s overall development by reducing valuable play time.
  • Additional studies show that quality early education could as of 2004 cost more than $5,800 per year. The government would be taxing many people who may not wish to pay for preschool for another family s children.

In spite of the controversies, demographic trends in the early 2000s indicate that early childhood education has become, and will continue to be, an important aspect of the U.S. educational system.

Parental concerns

Parents are often understandably concerned about the quality of the early childhood education programs available to them. By taking the time to investigate several schools, most parents find a program with which they and their child are comfortable.


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Does my homeowner – s insurance policy cover water damage? #home #insurance, #flood, #water

Does my homeowner s insurance policy cover water damage?

You may think that your homeowner’s insurance policy will cover the cost of water damage after you’ve paid your deductible but is that always the case?

Water or flood damage to your home can be extremely expensive to repair: According to the National Flood Insurance Program, the total cost to repair a 2,000-square foot home that has six inches of water damage would cost $39,150 on average.

Costs included in those repairs include:

  • Cleaning fees.
  • Refinishing or replacing flooring.
  • Repairing doors, windows, and trim.
  • Repairing electronic devices.
  • Electrical and plumbing work.

Here’s a look at four common water damage situations and how your insurance company might handle them.

Does my home insurance policy cover water damage?

1. What if my pipes burst?

A burst pipe can cause thousands of dollars in water damage to your home. Fortunately, the majority of the damage generally will be covered by your homeowner’s policy: “It will cover the water damage to the surrounding walls, house frame and personal property,” says Drew Delaney, a property and casualty insurance agent in Michigan. However, “a standard homeowner’s policy won’t cover the repairs to the burst pipes.”

In some cases your insurance company may deny your claim if the adjuster believes that you were at fault for the burst pipes. This can happen if you let the house temperature drop so low that the water froze in the pipes. If you maintained a proper temperature in your home, or if you winterized your home by shutting off the water supply and draining the system, you aren’t likely to be found at fault.

However, if you turned off the heat during cold weather without taking proper precautions, your claim could be denied.

2. What if my washing machine leaks and floods the home?

Washing machine-related water damage is one of the 10 most common forms of water damage, according to a study from the Insurance Institute for Business Home Safety. In more than 50 percent of cases, the damage results from a leak in the supply hose, which connects the appliance to your home’s water supply.

In this situation, your insurance adjuster will consider the age and state of your washing machine in determining whether the water damage should be covered by your policy. In some cases, your insurance company may claim that the leak was brought on by normal “wear and tear” to the machine, and that you were responsible for maintaining or replacing the appliance.

However, under most homeowner’s policies, if the damage is considered “accidental,” the claim will be covered. For instance, Erie Insurance states that if a washing machine hose leaks or explodes, damage will be covered; however, if the water damage is due to an ongoing leak, it is considered to be preventable and will not be covered.

If you spot problems with your washing machine, it’s essential to repair or replace it right away in order to be eligible for coverage.

3. What if a leak in my roof causes water damage?

Whether the damage to your roof and home interior will be covered depends on if the roof leak was caused by a “covered peril” under your policy.

In general, Delaney says, “covered perils” include wind, rain, hail and fire. If the insurance adjuster finds out that the damage was caused by an old roof in need of replacement, the damage wouldn’t be covered.

Additionally, if the roof damage occurs during a flood or hurricane, the damage may not be covered.

Although many homeowner’s policies will cover wind damage from hurricanes in their coverage, claims often are subject to much higher “hurricane deductibles,” which can add up to 1 to 5 percent of the house’s insured value, as compared to the typical $500 to $1,000 deductible for other home insurance claims. If your claim amount doesn’t exceed the total deductible, it may not be worth filing a claim.

Flood damage isn’t covered under standard homeowner’s policies, Delaney says, regardless of whether the damage was brought on by a storm or a hurricane defined as a tropical storm with winds exceeding 74 miles per hour at the time it causes the damage to your home).

“Flood coverage can be purchased either from the U.S. government or a private insurance company,” he says. According to the Insurance Information Institute, the average annual premium for a flood insurance policy through the National Flood Insurance Program is $644, with an average coverage amount of $229,707.

In many coastal and hurricane-prone regions, it’s mandatory to purchase a flood insurance policy if you have a mortgage on your home. You can find more information on whether you should buy flood insurance and what it might cost at floodsmart.gov.

If you haven’t purchased flood insurance before the event of a storm, you will be responsible for paying for all flood-related damage out-of-pocket, though wind-related damage may be covered after you reach your policy’s deductible or a higher “hurricane deductible,” depending on your policy details.

How to avoid getting water damage

You should properly maintain all appliances and structures associated with your home that could be associated with water leakage. Make sure to replace old washing machine supply hoses, and to replace aging roof shingles before water damage occurs.

You should also consider purchasing a flood insurance plan if you live in a flood-prone area or are concerned that if any flood damage occurred on your property, you would not have the financial resources to make the necessary repairs.

Also, look over your existing home insurance policy closely and ask your agent questions about what’s covered in various scenarios. If you take these precautions, you may be able to avoid paying out of pocket for costly surprise repair fees.

See how much you could save today on your home insurance. Get your free home insurance quotes today!

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Brinks Security Alarm Help #brink #alarm #systems #for #the #home, #brinks #security


Brinks Security Alarm Help

Keypad Trouble Light and Trouble Codes, Low Battery Problems, Lost Master Code

Are you having Brinks security problems? This page provides help with:

  • Brinks Alarm System “Trouble” Light
  • Low Battery Problems
  • Lost Master Code

If you’re having problems with a failing keypad, see this Brinks page for help.

Brinks Alarm Keypad Trouble Codes

Like all home alarm systems, Brinks alarm panels need a way to indicate when they are having a problem.

The first thing most people notice is a beeping keypad, along with a “Trouble” light on their Brinks keypad. The display window of the keypad can also show various trouble codes to identify the exact problem.

If your Brinks security system beeps, you can silence it by pressing the “Cancel” button.

If this happens in the middle of the night, this will let you get back to sleep until you have a chance to deal with the problem. (Click here for more help with beeping Brinks keypads .)

When you’re ready, you can check the trouble code in the display to find the specific cause of the issue. You can fix some trouble conditions yourself, such as a failing battery. Other conditions may require the assistance of a professional alarm technician. In a few worst-case situations, the system may be beyond repair and in need of replacement.

Here is a list of common Brinks trouble codes, along with the most likely causes. For more details, see the user manual for your particular system.

NO AC – There is a power outage, or the low-voltage transformer has failed or is unplugged.

CF TROUBLE – Component Failure (Bad device)

CP TROUBLE – Communication Problem, usually due to the phone line to the panel being disconnected.

CH TROUBLE – Upload/download failure. An attempt was made by the alarm company to contact the panel, and a problem occurred.

CF TROUBLE – (Displayed on non-supervised keypads) – Indicates that the wiring to the supervised keypad has been faulted.

CS TROUBLE – Siren failure. The wiring to the siren has been cut, left disconnected in the main panel, or the siren has failed.

LINE CUT – Telephone line cut indication (Optional feature)

LOW BATT – Main control panel battery is failing, or AC power was disconnected long enough to deplete the battery. If you’ve had an outage, wait 24 hours and check again. If the low battery indication is still showing, check the battery and replace it if needed.

(Zone Number) TROUBLE – The fire zone has been tripped. See this page for help dealing with a Brinks fire zone.

Brinks Security System Low Battery

This is one area where Brinks alarm systems are no better or worse than any other security system brand. ALL alarm systems require regular battery replacement, about every 3-5 years on average. This is just the nature of sealed lead-acid (SLA) battery technology.

Changing your Brinks battery is as easy as removing the old battery and putting in the replacement. Replacement batteries are available at battery suppliers such as BatteriesPlus, as well as online sources such as my Amazon A-store.

Make sure the new battery has the same voltage rating (typically 12-volts for alarm batteries). The amp-hour (AH) rating should be the same or higher than the old battery, typically either 4AH or 7AH. If you’re “upsizing” to the larger capacity battery, check the dimensions to make sure the new, larger battery will fit your alarm panel enclosure.

When installing the new battery, be sure to observe polarity, just as you would for your car battery: The red lead connects to the red terminal, and the black lead goes to the black terminal.

For help changing your battery, see these pages:

Lost Brinks Master Code

Brinks security systems use a Master Code to program itself and several other User Codes. If the Brinks Master Code is forgotten, you don’t have any good options. There is no Brinks home security “Master Reset” function. If the code is lost, there is no way to recover it.

Replacing Brinks Security Systems

The master code problem is just one reason why you should consider updating your Brinks security panel to something newer. Nearly all modern alarm panels have a way to reset some or all of the program memory locations to factory default values. From that point, a programming manual can be used to add or change codes, account information, zone programming, etc.

The older technology used in the Brinks company systems lacks this defaulting feature, making the system worthless if the master code is ever lost. To make matters worse, even if you could default a Brinks panel, Brinks security system programing manuals were never made public. This means you have little chance of finding an alarm company to re-program the system for you.

Your only other option for a lost Brinks code is to contact ADT Security. They bought out Brinks/Broadview Security, and surely have Brinks programming information. But, they will only work on your system if you sign a monitoring contract.

To find out how much it would cost to replace your old Brinks system, just fill out the form below. You’ll receive estimates by email, with no obligation to buy anything.

There is no obligation to buy, and no credit card information is requested.

For more help deciding whether to replace your system or not, see this page on Brinks Security Systems – When to Hold’em, when to Fold’em

For help with other issues, see Brinks Home Security Help – Beeping keypads, resetting Brinks systems, and finding Brinks alarm user manuals

Note: Feel free to print any of the articles on this site for personal, non-commercial use. Just look for this button:

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5 Best Online Backup Services for Small Businesses – Page 2 #online #backup #for


5 Best Online Backup Services for Small Businesses – Page 2


Crashplan+ is a moderately-priced service with both home and business plans. The business plans are reasonably priced; you can either pay $7.49 per-computer for unlimited storage, or pay for a specific amount of storage. Their online calculator will quickly show which option is the best deal. The company claims it’s fully committed to the unlimited plans and will not take them away.

The Crashplan+ feature set includes backups to local servers or removable media, 30-day free trials and HIPAA compliance. The free version makes backups to your removable media or servers, and to any other servers under your control, but not to Crashplan’s servers.


JungleDisk offers zero-knowledge security similar to SpiderOak, and a unique pay-as-you-go pricing structure: you pay exactly for what you use, rather than purchasing fixed blocks of storage sizes.

The Server edition costs $5 per server per month plus $0.15 per GB. You have a choice of storing your data on Amazon’s S3 cloud service, or on the Rackspace Cloud. Rackspace is a popular and reliable hosting service, and it owns JungleDisk.

You can choose from three JungleDisk editions: Personal, Workgroup and Server. Personal is designed for a single user using one or more devices. Workgroup support multiple users in a single storage account, with access controls and shared and private data. Server comes with server-friendly reporting and remote administration features.

Barracuda Backup Service

Barracuda Backup Service is a higher-priced service for shops that want more control, flexibility, and comprehensive central administration of multiple locations. It offers offsite network backups integrated with local backups.

Offsite backups can be hosted on Barracuda’s cloud infrastructure or mirrored on your own sites, and you can mix and match local and remote storage. So you might want to store important files offsite and locally, and less-important files locally only, for example.

You get fine-grained control of scheduling, from real-time backups of important files to whatever interval you want for other files. Barracuda meets HIPAA and Gramm-Leach-Bliley security requirements.

You start by purchasing a Barracuda backup appliance, which is a dedicated backup server pre-loaded with backup and monitoring software. Pricing starts at $999 for the 100GB-capacity 190 model server (250GB raw capacity) and go all the way up to about $45,000 for the model 990, which has 24 TB raw capacity and about 12 TB backup capacity.

Then offsite storage costs $50 per month per 100GB, with no other costs; no agent, per-server, or client access licenses. You get 24×7 technical support, and continual monitoring of your server health. Visit the information page for links to an informative video and a live demo.

Carla Schroder is the author of The Book of Audacity, Linux Cookbook, Linux Networking Cookbook,and hundreds of Linux how-to articles. She’s the former managing editor of Linux Planet and Linux Today.

Small Business Computing is on Facebook . Join us on Facebook and interact with the site’s editors, post messages, share your small business challenges and successes, discuss technology and suggest topics you’d like covered on Small Business Computing.

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Baca Valley Telephone and Sierra Communications #telephone #and #internet #service #for #business


Baca Valley Telephone Company has been meeting the area’s communication needs since 1974. Along with our subsidiary Sierra Communications, we offer a wide range of services to our customers. local telephone service, telephone systems, security systems, network cabling, and two-way radio sales and service. Headquartered in Des Moines, New Mexico, our service area includes northeastern New Mexico and southeastern Colorado.

In addition to local telephone service in our two exchanges, 278 and 375, we also offer local telephone service in Raton (availability of service is based on your location), and nationwide long distance service. Call Answering Services provided by our Network Operations Center (NOC) offer after-hours and holiday always there solutions to local companies as well as companies located in other states. Local Internet access, high speed Internet access, high speed data circuits, and network cabling are just a few of the technologies available to our customers.

Our technical support staff is available 24 hours a day, 7 days a week. Technicians are certified and licensed in telephone and security system installation and maintenance, two-way radio sales and service, and network cabling.




Other Services

Call Us

575.278.2101 (Des Moines)
575.375.2101 (Maxwell)
575.245.2101 (Raton)
1.888.682.2101 (Toll Free)

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Hawaii Car Donation Information to Donate Car in Hawaii #used #car #boat #truck #donation,


Hawaii Car Donation Information

It’s easy to donate your car, truck, boat or RV in Hawaii. We provide fast, free pickup of your vehicle with no cost to you and you are eligible to receive a tax deduction for your vehicle donation.

Where do you pick up car donations in Hawaii?
We pick up car donations throughout the state of Hawaii, including Ewa Beach, Kaaawa, Hilo, Wahiawa, Honolulu, Kauai, Maui, Pearl City, Kahului, and Wahiawa.

Is my car donation made in Hawaii tax deductible?
Vehicles donated on this site will benefit a nonprofit classified with the IRS as a 501(c)(3) charitable organization and are tax deductible.

What paperwork do I need to donate my vehicle in Hawaii?
In most cases we need the title to the vehicle. But, if you do not have title papers please check with the Hawaii Motor Vehicle Department to determine whether you can donate your vehicle without the title. Please visit the Hawaii Motor Vehicle Department web site to obtain the necessary forms before donating.

How do I release the liability of my donated vehicle in Hawaii?
For information on how to release the liability of your donated vehicle, please refer to the Hawaii Motor Vehicle web site.

If you still have questions
call toll-free 1-888-573-7033

Permit Processing Frequently Asked Questions – Baltimore County #baltimore #county, #maryland, #md., #md, #government,


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Baltimore County Government

Permit Processing

Frequently Asked Questions

Q. Do I need a building permit to add an additional bathroom? How can I obtain a building permit?

A. If it is a commercial building, yes; if it is a residence, no. However, plumbing and electrical permits are always required. The licensed plumber and electrician may apply for their respective permit before the work is initiated. The property owner or designee may apply for the required building permit in person by coming to:

County Office Building
111 West Chesapeake Avenue, Room 100
Towson, Maryland 21204

For additional information and permit fees, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. Is a building permit required for a small storage shed in my back yard?

A. If the structure exceeds 120 square feet, a building permit is required.
If it is 120 square feet or less, a permit is not required unless:

  • It will be used for livestock or human occupancy
  • It is located in a designated “Chesapeake Bay Critical Area”
  • It is located in a 100-year floodplain
  • It is located in a “Baltimore County Historic District”

The accessory structure (storage shed) must be in the rear yard, unless a zoning variance is obtained.

If the structure is over 120 square feet, but less than 1,000 square feet, four plot plans are required with the application.

If the structure is over 1,000 square feet, five plot plans and two construction plans are required with the application.

Even if the structure is less than 120 square feet and requires no building permit, it must still meet zoning and environmental protection requirements.

For additional information, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. Do I need a building permit to replace my windows and doors?

A. Unless the property is in or part of a historical district, doors may be replaced without a building permit, provided there is no structural work, and the location or size of the door or window does not change. For additional information, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. How long does it take to get a building permit after the application is filed?

A. The processing time required before approval and issuance varies for different types of construction projects. Some permits for small projects may be issued the same day. Larger and more detailed construction projects will require review of construction plans and other related issues by one or more different county agencies. For additional information, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. How long is my permit valid and can it be extended?

A. Permits are valid for one year with an option to be extended for one additional year at the time the application is filed. If the permit has expired, you will need to file for a new permit. If your permit has not expired or just recently expired, you may request an extension by contacting Building Inspections at 410-887-3953.

Q. How can I schedule an inspection or check on a permit?

A. Use Inspection Connection to schedule, reschedule, or cancel building, plumbing, or electrical inspections, available twenty-four hours a day, seven days a week. Call Permit Processing at 410-887-3900 to check on the status of your permit.

Q. Do I need a building permit for a small addition to a house?

A. Yes, any additions to the house require a permit. For additional information, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. When do I need a permit for alterations to a house?

A. A building permit is required for structural work or when a new bedroom or kitchen are created. Permits are not required for siding or roof repair. However, if your house is in or part of a Baltimore County Historical District or is on Baltimore County’s Landmarks List, a building permit is required for any work on the exterior or any work that affects the exterior appearance, including repair or removal of any part of the house, fence or accessory structure. All electrical or plumbing work requires a permit and must be obtained by a licensed electrician and plumber.

A. If you are screening in an existing covered porch or covered deck, a permit is not required, with the exception of historical areas. If you are making a weatherproof enclosure of an existing porch or deck, a permit is required. Enclosing a porch or deck is considered an addition because it extends the “indoor” area of the house and is subject to the same setback limitations as the house itself. For additional information and permit fees, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. Do I need a permit to put a fence on my property?

A. All fences over 42 inches high require a permit. Fences 42 inches or less in height do not require a permit unless located in a proposed or designated Baltimore County Historic District or on the Baltimore County Landmarks List.

Q. When is it necessary to have a grading permit?

A. If the proposed grading disturbs over 5,000 square feet of surface area or over 100 cubic yards of fill material is utilized, a permit is required. For additional information and permit fees, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. How do I arrange for a percolation test?

A. First, a percolation application must be filled out and submitted to Permits, Approvals and Inspections along with a $60 fee and four copies of a map (scaled 1:100) of the property showing property lines, topography and nearby streams. Once the application has been reviewed and approved by the Department of Environmental Protection and Sustainability (EPS), the property owner needs to hire the services of a backhoe operator who will then schedule an appointment to perform the tests with a EPS sanitarian. You may review and\or print the percolation checklist (PDF) online. For additional information and permit fees, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Revised August 3, 2016

Best Small Business Accounting Software, freshbooks – cloud accounting for small business owners.#Freshbooks #-


Best Small Business Accounting Software

Freshbooks - cloud accounting for small business owners

The benefits of using accounting software for business are well known. When it comes to selecting the right product, though, the choices can be daunting, especially since switching from one accounting software package to another is not a trivial exercise in most cases. Examining your current and potential future needs can help you make the right decision.

If you are just starting a business as a sole proprietor/contractor or a very small business owner without employees, you can probably get by with a basic online invoicing/billing package like Sage One or FreshBooks that can handle invoicing, expense tracking, and produce basic reports to keep tabs on your business and satisfy your accountant and the taxman.

But if your business has employees, is incorporated or is likely to expand to such in future you will need a more robust (and expensive) accounting system such as QuickBooks or Sage 50 that is designed to perform double entry accounting, the basics of which includes:

  • Accounts receivable: moneys received and owing from customers
  • Accounts payable: moneys owing to vendors, suppliers, etc.
  • General ledger: the summary journal of financial transactions

Also typically included in the more expensive packages are features such as payroll, stock/inventory management, project management, financial forecasting, multi-user access, and a wider variety of reports and financial statements.

If your present needs are basic but you are contemplating future business growth make sure whatever accounting package you choose has a path to expand to your future requirements. In many cases, if the core product is missing a feature, you can fulfill your needs with third party add-ons to your existing software. There are hundreds of these available for most of the packages reviewed in this article, including payroll, customer relationship managment (CRM), analytics, and more (see QuickBooks add-ons).

This article contains the most popular small business accounting software packages for Canadian small businesses, ranging from basic to advanced in features (and cost). Some are online-based (cloud) only, some are available in desktop or online versions, and some are hybrids of both.

Small Business CRM #crm #solutions #for #small #business


Small Business CRM


Convert more and build long-lasting relationships with GreenRope’s many features built to help you communicate with your leads and clients. From email marketing and social media to advanced marketing automation and more, all the tools you need to engage your contacts are right at your fingertips. It’s now easier than ever to keep in touch and stay top-of-mind.

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​Track your emails, websites, campaigns, signups and more with our real-time tracking and analytics. Find out where your top conversions are coming from and compare total pageviews, time on pages, conversion values, and more all in a single, easy-to-understand view. Data is everything – use it! All of the metrics you want to track are stored right in your CRM.

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Marketing automation helps you setup processes allowing you to be more efficient. With our state of the art automation tools, increasing productivity, closing more deals, growing revenue, and saving time all become possibilities. Discover the many tools you have at your disposal and get started today.

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Make all of your communication and marketing materials stand out with GreenRope’s drag-and-drop EasyBuilder for emails and landing pages. With our platform, you can easily create professional and responsive emails, signup forms, landing pages, websites, and much more. Sit back and watch the leads come in.

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Offer courses, certifications, or training sessions with our learning management system. Create courses, invite people to take those courses, provide learning materials and track progress all from one dashboard. All progress is tracked within your CRM.

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Connect the apps you use every day. We want to make your life easier. GreenRope integrates with many apps to help you maximize productivity. Some of our integrations include Zapier, WordPress, Magento, RightSignature, Evernote, just to name a few. All integrations can be accessed right from within the platform.

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Mobile CRM

Stay connected no matter where you are. GreenRope’s mobile app lets you take your CRM and marketing automation on-the-go. The mobile app is free with every GreenRope account.

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Shared Access

GreenRope empowers your team to collaborate like never before by not charging for additional users. Your entire team will have access to the information they need to get the job done. As the account owner, you can choose what level of access each of your shared access users receive, so each user will have a customized view and experience with the account.

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Data Security

Keeping your business and your data secure is our top priority. At GreenRope, we have the security, stability, and disaster recovery plans so you can always feel safe and never have to worry about any internal or external threats. From utilizing maximum encrypted HTTPS for all web connections, to support for two-factor authentication and account owner approval for user data exports, your data is safeguarded in your personal fortress.

GreenRope is the world’s only Complete CRM, offering integrated sales, marketing, and operations tools to help you do better business. We are the small business CRM helping you build awareness, generate leads, engage and convert.

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