Halloween Online – Your Guide to Anything and Everything About Halloween – 500 Articles,
ideas for business
The latest Halloween ideas, information and articles from our staff.
Halloween Costumes, Halloween Masks and Makeup ideas.
Halloween decorations you can make or buy for the spookiest night.
Our cookbook filled with Halloween recipes, tasty tricks and treats.
Spooky Halloween games adaptable for both kid’s and adults.
Halloween Party ideas and planning for a successful party.
That’s right, 101 simple Halloween ideas, tips and suggestions!
Spooky Special Effects and Props for your Halloween haunt.
Pumpkin carving tips for carving Halloween Jack O’ Lanterns.
Suggestions for the best Halloween music and Halloween movies.
Halloween craft ideas and instructions for lots of Halloween fun.
Ghostly gadgets for the computer, cell-phone, Palm Pilot and more!
2016 Halloween Ideas, Costumes, Decorations and Props, Halloween Party Planning, Spooky Games and Activities and Pumpkin Carving articles since 1994! The great news is that the next three years will be great for our favorite holiday! This year, Halloween will fall on a Friday allowing both kids and grown-ups to stay out much later than a week night. Now celebrating our 21st year online! Since times really are tough financially right now, be sure to check out our budgeting and money saving articles for lots of great tips and suggestions for getting the most fright for your buck.
Free Pumpkin Carving Patterns!
Looking for the very best selection of pumpkin carving patterns anywhere on the Net? Well, SpookMaster is the place to go!
With hundreds of unique and unusual designs, they have an incredible selection of top-rate pumpkin patterns. But the best news is. all of their carving patterns, templates and stencils are free, that’s right, absolutely free! Just head on over to their web site, download all patterns you want directly to your computer, print them out and start carving.
Some Things Really Are Free!
One of the most fun and fulfilling things you can do during the season is host a Halloween party for your friends and family. Whether it’s a children’s party or one just for grown-ups, there are so many great treats, games, music, atcivities and foods that you can lavish your guests with. Planning and decorating for your party should be an all out spook fest!
For those holding a Halloween movie party, be sure to check out our Movies and Television Guide for lots of spooky viewing suggestions. In addition to the classic Halloween movie franchise brought to us by John Carpenter, there are a slew of other horror movies just waiting to be watched. You’ll find a ton of stuff to watch in the Movie Guide section for kids, adults and everyone in between! Click Here.
Its never to early to get in the mood for Halloween. In fact, some of us are in that mood all year long! Now that Fall is finally here, its time to start thinking about how you will decorate your home A full size coffin prop such as the one to the right is a great addition to your Halloween decor.
Our decor section can show you some interesting and fun ways to decorate inside and out. Also try our crafts section for decorations that you can make on your own if you are a crafter. With the economy so bad, lots of stores are dropping prices just to stay in business and provide what the customer needs. Be sure to take advantage of all of these sales! Click Here.
Check out our selection of classic games like Bobbing for Apples and more modern games like the much asked for Hal O’ Ween game, and even a collection of printable puzzles that you can download. This gives you some fast game entertainment for any party. Just print out and play!
Party games will help your party fun and flowing smoothly. Sometimes it’s just as much for adults to play children’s games as it is for the kids and all of these games can be adapted for both types of party’s quite easily. If your party seems to be hitting a snag, just get a game of some kind going and it’s sure to perk your party up! Click Here.
One of the things that makes this such a wonderful holiday is that you can dress up and pretend to be just about any fanciful character you want and still be socially accepted. Be sure to try and order your costumes well in advance to give you plenty of time to make sure that your costume fits properly and you have time to accessorize your individual look.
Caution – Some online retailers are just affiliates and do not actually stock the products they sell. They pass the order to a distributor and the products are dropped shipped. The Costume Kingdom is one reputable online costume retailer that does stock and ship their products in-house.
loans for business
loans for business
Secured Business loans
There are 2 types of Business loans:
- Secured Business Loans: A 3 year term loan for proprietorship, partnership, private limited companies and limited companies based on a sound balance sheet.
- Unsecured Business Loans: Working capital funding in rupees as well as foreign currency for proprietorship, partnership, private limited companies and limited companies.
Secured Business loans
Secured Business Loans are loans taken by the borrower to start or enhance a business with collateral. The borrower needs to pledge any of his property or asset. The debt is hence secured against the collateral provided. In the event of borrower failing to re-pay the loan, the lender takes the possession of the collateral. There are many banks like HDFC, SBI, Shriram City finance etc. that provide you Secured business loan in India and of course many financial services too like karvy financial services, cholamandalam financial services, indiabulls financial services etc.
Andromeda Loans India’s largest loan distributor brings the best deals for you.
Question 1: Starting a business OR need to enhance your business?
Question 2: Looking for a loan?
If the answers to both the above questions are ‘Yes’, then look for Andromeda Loans. We can help you avail Secured business loans. Working capital funding in rupees as well as foreign currency for proprietorship, partnership, private limited companies and limited companies
- Age Most banks disburse business loans to individuals aged between 24 to 65 years.
- Current Business Experience Banks will prefer that your business has been showing stable signs of growth at least for the last 3 years. Some banks give a loan amount up to 60 to 80% of your median annual profits.
- Total Business Experience A bank will prefer if you have been engaged in sustainable business for at least 5 years to consider giving you a loan.
- Keep records of your property / asset’s worth.
- Understand the risks of losing an asset. Always consult a financial advisor
- If you have a good business credit and sure of securing a business loan – Negotiate
- Get a quote on the loan by filling in and submitting the details from free quote.
Top 3 private banks that have healthy loan growth as per an article from www.business-standard.com are ICICI, Axis and HDFC Banks.
ICICI Bank offers Secured Business finance
- Overdraft facility for retail businesses with vintage of 6 months or more
- Cash Credit/Overdraft/Export Credit and Non fund based facilities for manufacturers, traders and Service providers with vintage of 1 year or more
- Term Loans for purchase of commercial assets business expansion needs
HDFC Bank offers Secured Business finance
- Funds available for business expansion, working capital, child s education or home renovation
- Speedy approvals
AXIS BANK offers Secured Business finance
- Competitive interest rates
- A vast segment of products suiting every requirement and budget
- Convenient, quick disposal of loans for your enterprise requirements.
Small Business Loans Reviews for 2017, loans for starting a business.#Loans #for #starting #a
loans for starting a business
Small Business Loans
Loans for Established Businesses
Lending Club Small Business Loan
Bottom Line: Peer-to-peer lending service offers a simple application process and competitive rates for business owners with fair or better personal credit
Bottom Line: Peer-to-peer lending platform with a special emphasis on military veteran loans; highly personal loan applications; good for established businesses with lower revenue
Bottom Line: Loans up to $500,000 for short-term or long-term growth; fixed rates with low APRs; seamless online application process; ideal for established businesses
Bottom Line: Best for established businesses with a steady cash flow; loans are secured with long repayment periods; quick and simple application process
Bottom Line: Variety of rate and term options; fixed-rate payments are daily or weekly rather than monthly; good option for newer as well as more established small businesses
Bottom Line: Flexible loan rates and terms with a high-tech application process; ideal for profitable businesses whose owners have good credit or better; customer service is lacking
Loans for New Businesses
Lending Club New Business Loan
Bottom Line: Great choice for those investing in a new small business who have average credit or better; peer-to-peer loans with a simple application process
Bottom Line: Peer-to-peer loan service with a personalized application process; good choice for new business owners with good/average credit or better
Bottom Line: Evaluation of academic, credit and work histories makes this a great choice for recent grads or students starting a business; strong customer service
Bottom Line: APRs and fees are on the steep side; payments reported to the credit bureaus; ideal for both newer and established businesses looking to build credit
6 Mistakes to Avoid When Opening a Business Bank Account, best bank for small
Business Bank Accounts: 6 Mistakes Small Businesses Make
If you re ready to get serious about your small business, you ll want to open a business bank account to manage your finances. However, with so many options available to business customers, it can be confusing to set up a new account. Small business experts shared some of the common mistakes business newbies make with their commercial accounts, and how you can avoid doing the same when opening your own.
1. Incorrect or missing information at account setup
New small business owners and entrepreneurs frequently make the mistake of bringing the wrong paperwork to the account-opening appointment. Each bank or credit union may have different requirements, so when you book the appointment, ask the banking officer exactly what you ll need to bring to the meeting.
Don t worry about assembling a great deal of business documents, said David Bakke, small business specialist at personal finance website Money Crashers. In most cases, all you need is your social number, a tax ID and other general information. [How to Open a Business Bank Account]
Small business owners also frequently make the mistake of using the wrong tax ID to open the account, said Michael Rozbruch, founder of Michael Rozbruch s Tax Business Solutions Academy.
They open it under their social security number, when they should open it up under their Federal Employer Identification Number, he said.
2. Not having a designated business account
Thinking about running your new business from your existing personal checking or savings account? This could be a big mistake, because it s difficult to track business finances when they re combined with household finances.
Depending on the size of your business, it may be wise to open individual, separate accounts for revenue, collected sales tax, estimated income tax and payroll. Doing so will keep your business finances organized and make life easier at tax time.
You ll be a lot better off by segregating your revenues and expenses from your personal finances, Bakke said.
Editor s Note: Considering a business cash advance for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site, BuyerZone, provide you with information from a variety of vendors for free:
3. Not planning check-signing authorities
Rozbruch noted that small business owners often forget about planning for business check signing.
They don t set up the check-signing tasks with checks and balances in mind, he said.
If your business includes a partner or staff members, will your business checks require one signature or two? If the business checks require two signatures, will this be for all check amounts, or only amounts over a specified dollar value? Make these decisions before opening a small business bank account, and you ll avoid the headaches of trying to make changes later.
4. Choosing the wrong bank for your business
Opening a business account at the neighborhood bank or the one you know best may not be the best idea if that bank doesn t offer services crucial to your business.
Before choosing an option for your business banking account, get an assessment of what you need out of your business banking relationship, said Elle Kaplan, CEO and founding partner of capital management firm LexION Capital Management.
If you re dealing with a credit union, Kaplan said the first question to ask is if they offer a business checking account, a feature that isn t available through all credit unions. Another option is to start by checking out the business banking services offered as part of a group or organization you belong to.
If you belong to an affinity group with access to business checking through specialized credit unions, like those for veterans, former teachers, writers or performers, then that could be a great option, Kaplan said.
5. Ordering the wrong checks
In a surprisingly common error, new small businesses often print the wrong company name on checks, said Rozbruch. For example, they might use a doing business as (DBA) nameinstead of the entity s legal name. In some scenarios, using a DBA name on checks poses a problem, especially if the business accepts credit card payments online. This is because of the increase in online banking fraud.
Credit card merchant processors such as Powerpay require that the entity s legal name match that on a void check to ensure they are one and the same, especially for startups, Rozbruch said.
New entrepreneurs should also ask if the account package includes electronic check printing that s compatible with the business accounting software. Rozbruch noted that some banks allow you to order checks that can be electronically printed, via programs like QuickBooks.
6. Not maintaining the minimum monthly balance
Some business bank accounts offer monthly fee waivers if the account balance stays above a stated minimum every day of the month. Don t make the mistake of paying unnecessary bank fees by letting your balance fall below the minimum. Better yet, set a goal to keep slightly more than the minimum required in your account.
I recommend keeping the minimum amount plus a few hundred in your account, Kaplan said. That way, you won t find yourself in the position of helping the bank earn money at the expense of your business.
How Disabled Veterans Can Obtain a Small Business Loan, business loans for veterans.#Business #loans
How Disabled Veterans Can Obtain a Small Business Loan
Disabled veterans can find loan programs through the SBA.
military necklace image by Yulaki Khvenchuk from Fotolia.com
- 1 [Veterans Affairs Small Business Loans] | Veterans Affairs Small Business Loans Grants
- 2 [Disabled Small Business Owners] | Grants for Disabled Small Business Owners
- 3 [Business Grants] | Veteran-Owned Business Grants
- 4 [Business Grants] | Small Business Grants for Disabled Persons
Disabled veterans can find several loan programs at discounted costs through the Small Business Administration.
Veterans often face challenges when leaving the military and re-entering more traditional workforce environments. Being disabled can add to the challenge. However, most veterans have both the skills and tenacity to succeed as small business owners. Getting a new business started requires financial capital, regardless of who you are. Disabled veterans have several loan programs available to them for funding a new business venture, accessed through the Small Business Administration.
SBA Veterans Advantage
The SBA offers Veterans Advantage loans for businesses with at least 51 percent ownership by a veteran. This program is available for honorably and medically discharged veterans and active duty members in the Transition Assistance Program. Respective spouses are eligible too. Express Loans are available from $150,001 to $350,000, with no application or upfront guarantee fees. These loans have an expedited, two-day processing with a 50 percent SBA guarantee.
The SBA also offers 7(a) loans, with no loan fees for any borrower. Loan terms are for up to 10 years, though real estate loans can extend to 25 years. The SBA offers an 85 percent guarantee to lenders.
Non SBA Express Loans are available for amounts of $150,001 to $500,000. The upfront guarantee is not waived but is 50 percent less for veterans. This normal fee is 1.5 percent for loans maturing after 12 months and 0.125 percent for loans maturing within 12 months.
Putting the Business Plan Together
Lenders want to see how a new business owner will build a company, use the funds and pay the loan back. Disabled veterans, like any other applicant, must write a detailed business plan explaining the product or service, establishing the market need and including a clearly defined marketing plan.
The SBA offers Boots to Business workshops to help service members and veterans develop the new tools to become entrepreneurs, including business plan creation and presentation. There is also the Entrepreneurship Bootcamp for Veterans With Disabilities offered via Syracuse University’s Institute for Veterans and Military Families.
As part of the marketing strategy, where appropriate, disabled veterans should include a discussion about the Service-Disabled Veteran-Owned Small Business Program helping veterans obtain sole-source government contracts valued up to $5 million. These are incredible resources to help develop a business plan and flesh out a marketing strategy.
SBA counselors will help in the application process and assist in finding a matching lender; the SBA is not the direct lender but instead works with SBA-approved providers. Your application will include your business plan along with all other standard loan application requirements, such as personal contact information, assets, debts and income verification. Personal credit is evaluated. You will also need your discharge paperwork to validate your status as a disabled veteran and confirm eligibility for certain programs.
Complete the application and submit it. Meet with the lender to review the plan. Be prepared to explain plan components if asked. This is a business proposal, and lenders want to see a high level of professionalism when considering a loan.
- Business Financing
CEI and its subsidiaries offer business and project financing and technical support for a wide range of small business, community facilities, renewable energy, affordable housing and mixed used real estate projects and ventures. With flexible business financing, loans, investments, rates and terms, CEI is able to leverage its capital with banks and other sources.
Since its first major investment in 1979 in a value-added, community-owned fish processing facility in midcoast Maine, CEI has provided $1.27 billion to 2,649 businesses, natural resource industries, community facilities, and affordable housing in Maine, the Northeast, and throughout rural America, leveraging over $2.55 billion in high impact, job-creating and sustainable economic development projects and enterprises.
CEI financing opportunities include:
- Direct loans to start-up, existing and growing small businesses in Maine and beyond, in amounts ranging from $5,000 to $3,000,000. To view our business financing brochure, please click here.To obtain an application for a loan, please click here.
- Venture capital investments in small businesses located in New England and the mid-Atlantic region. Investments range from under $500,000 to over $1 million.
- New Markets Tax Credits are available for investments in targeted distressed communities in Maine, Northern New England, and upstate New York. Select projects with high 3E impact will be considered in other parts of the country. Tax credit investments range from $2 million to $30 million.
- Affordable Homeownership, Rental and Supported Housing with loans and development capital from under $500,000 to over $2 million.
- Solar project investments in communities with low to moderate incomes, providing good jobs and clean energy
Find out more by calling 207-504-5900.