Tag: Need

How to Become a Social Worker #what #degrees #do #you #need #to #become #a

#

How to Become a Social Worker: Education and Career Roadmap

Should I Become a Social Worker?

People interested in helping others work through difficult life situations may want to consider a career in social work. Social workers provide direct services or clinical counseling to help clients assess and change harmful or unhealthy situations. They work in a variety of settings including nursing homes, hospitals, private practices, schools, and community mental health clinics. Caseloads may be heavy, causing stress and long work hours for many social workers. However, social workers can rest assured knowing their services are having tangible benefits for their clients.

In addition, a Masters in Social Work (MSW) is a very versatile degree which can be used as a stepping stool for other career tracks including public health and policy. Most entry-level positions require a Bachelor of Social Work (BSW). An MSW is necessary for other positions, including that of clinical social worker. All states have associated licensure or certification requirements. The following table describes some of the typical qualifications necessary for this career.

Find schools that offer these popular programs

  • Adult Development and Aging
  • Child Care Management
  • Child Care Services
  • Child Development
  • Community Organization and Advocacy
  • Family and Community Services
  • Family Systems
  • Human Development and Family Studies
  • Social Work
  • Youth Services

$59,100 (Median annual salary for social workers)

Sources: U.S. Bureau of Labor Statistics, Job postings by employers (August 2012)

Step 1: Earn a Bachelor’s Degree in Social Work

BSW programs prepare graduates for direct-service positions, such as mental health assistant or caseworker. Coursework includes social welfare policy, social work methods, applied research, child welfare, and social work for the aged. All BSW programs contain an internship or supervised fieldwork component, providing students the opportunity to develop practical skills in areas important to the profession, such as understanding group dynamics, interviewing, decision-making, and problem-solving.

Success Tip

  • Develop strong communication skills. Social workers must develop productive and healthy relationships with their clients and co-workers in order to work effectively. While in school, students can take advantage of internships and supervised fieldwork to learn how to interact with a variety of clients.

Step 2: Consider a Master’s Degree

An MSW can be undertaken with any undergraduate degree, though some programs may require certain prerequisite coursework in related areas, such as psychology and sociology, for applicants not holding a BSW. The MSW is required to become a clinical social worker or to work in schools or the healthcare system. These degree programs typically take two years to complete (though some programs offer more flexible 3 and 4-year degree plans) and prepare students for advanced practice in their specialties.

Students in these programs have a variety of concentrations and specialties to choose from, including mental health, families and children, global practice, older adults and families, and behavioral and physical health. Students may expand on professional components of social work, such as clinical assessment, caseload management, and leadership skills. Completion of an internship or supervised practice is required of all MSW students.

Success Tip

  • Gain experience in a high-demand specialty. According to the BLS, social workers in healthcare, mental health, substance abuse, children, families, and schools are expected to have the most favorable opportunities for employment. Working in these areas, even with a BSW, can provide the necessary experience through which to develop a specialty.

Step 3: Become Licensed

According to the BLS, all states have licensure or certification requirements for becoming a social worker. Licenses for non-clinical social workers are usually optional; rules vary for each state and can be found through the Association of Social Work Boards. State licensing requirements for clinical social workers typically involve 3,000 hours or two years of clinical experience along with completion of the MSW.

Step 4: Consider Credentialing

The National Association of Social Workers (NASW) offers voluntary credentialing at three levels for MSW-educated social workers. Each credential has varying eligibility requirements that may include specific hours of continuing professional education, clinical social work experience, and professional evaluations from colleagues.

There are also voluntary specialty certifications for both bachelor’s- and master’s- educated social workers in clinical social work, healthcare social work, gerontology, and several other areas, which may improve employment prospects.

Step 5: Maintain Licensure and Credentials

Social work licensure and certification, including specialty certification, must be maintained by completing continuing education courses. Requirements for the number of hours and the types of courses that can be taken vary for each state. By maintaining these credentials, social workers will continue to create career possibilities for employment and ensure that they remain employable.

Next: View Schools





Tags : , , , , , , , , , ,

Arizona Probate Services #arizona,probate,services,do #it #yourself,informal,formal,small #estate,affidavits,paralegals,low #cost,fast,easy,cheap,experienced,legal,papers,probatecourt,phoenix,save,money,filings,court,fees,how #do #i #get #appointed #as #executor,do

#

We professionally prepare probate legal documents and help you understand the mandated court process.
OUR MISSION IS TO SAVE YOU TIME, MONEY AND STRESS!
Don’t want, or can’t afford an attorney. you may not need one!
Call us today with your questions — you will be glad you did!
(602) 523-0100

A commonly asked question is: Do I need an attorney for Arizona probate?

The simple answer is no – anyone can file their own documents with the probate court. The right answer is one that only you can answer. Many probate cases are standard and only require an understanding of the court document requirements and the timing of the process. Some probate cases are more complex and you should be represented by legal counsel.

At Arizona Probate Services, we will discuss your situation with you. If we are uncomfortable about preparing the documents for your particular situation, we will recommend you seek legal counsel. We will always be honest and upfront with you. Integrity and a commitment to quality is the foundation of our business.

Then documents are filed with the court when it is appropriate, you administer the estate, and close probate when it is time! With our help, it’s that simple!

Thank you for supporting Arizona Business!

All fees on this website are subject to change without notice.

NOTICE TO CONSUMER
Arizona Probate Services is an Arizona certified legal document preparer, certified by the Arizona Supreme Court. The purpose of a Certified Legal Document Preparer is to provide professionally prepared legal documents and procedural assistance at an affordablecost. A Legal Document Preparer cannot represent you in court. A legal document preparer is not a lawyer, is not employed by a lawyer, and cannot give legal advice, and communications with a legal document preparer are not privileged (meaning we are subject to subpoena).

This website is intended to provide general information about Arizona legal issues and process. However, legal information is not the same as legal advice, which is the application of the law to a specific situation. The information provided on this website is not intended or meant to provide a comprehensive picture of any particular situation.


Content copyright 2010-2011. Arizona Legal EASE, Inc. All rights reserved.





Tags : , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

11 Grants for Women-Owned Businesses You Need to Know About #small #business #loan

#small business grants

#

11 Grants for Women-Owned Businesses You Need to Know About

In 2014, there were close to 9.1 million women-owned businesses in the United States, a 68 percent increase since 1997, according to The 2014 State of Women-Owned Businesses Report from American Express. This percentage increase exceeded the national average of small business growth by 1.5 times.

It also illustrated what we already know: Women entrepreneurs are having a tremendous impact on the small business landscape nationwide.

Yet to continue to be competitive and grow, these entrepreneurs have to find funding for their ventures. And, alarmingly, women entrepreneurs are increasingly being turned away by banks for small business loans. Thankfully, they still have other options, given the rise of technology-driven financial lending sources — such as online loans, peer-to-peer loans and crowdfunding.

Then there are government grants. While not widely known or used, these grants are another great option for women seeking extra funding for their business ventures. They just take a little more work.

Understanding grants

Business owners often turn to grants because they are not required to pay them back; essentially, you can look at grants as free money, but they come with stipulations. Also, understanding and navigating the grant process can be complex.

First, you have to research and find a grant for which you re eligible. Then, you have to understand the strict application and compliance guidelines you must meet, to be eligible. Third, you have to compete with other businesses for the same pool of money. Fourth, if you re awarded a grant, you must report on how you used it. Finally, you must devote time and energy to the lengthy application process, then wait for approval. In a nutshell, you need to have all of your ducks in a row, up-front and afterward.

Finding federal and state grants

Many business owners think that federal grants are just a click away. We have all seen the ads promoting free federal money to start businesses. But this is a huge misconception. While there are federal grants available in the areas of medical research, science, education and technology development, no such grants exist specifically for women-owned businesses. You may find grants that fund projects that empower women, but such funding is often set aside for nonprofit corporations, not for-profit businesses.

When researching grants specifically for a woman-owned business, start at the state level. Most states offer grants for women-owned businesses in some capacity. Each state website has a business section where you can find grant and funding opportunities for women and minority-owned businesses. A good example of this is the business section for the state of New York. which lists incentives and programs for businesses. Check out your state s site to find out what is available for your business.

Another great resource to use in your research is the Minority Business Development Agency (MBDA). The MBDA is an agency of the U.S. Department of Commerce that assists minorities and women in establishing and growing their businesses. On its site, you can research grants and access links to state agencies that work with women-owned businesses for funding opportunities. Click here to view all of the state agencies across the country.

Private grants for women

To help in your search, we gathered information on these private grants for women entrepreneurs started:

  1. The Eileen Fisher Women-Owned Business Grant Program. Five grants are awarded annually. The businesses must be 100 percent women-owned and have founding principles of social consciousness, sustainability and innovation, plus be ready to move to the next phase of development. In 2014, the program awarded $125,000 in grants.
  2. Huggies Brand — Mom Inspired Grants. The grant awards up to $15,000 to advance the development of innovative products inspired by the joys of motherhood. The awardees also receive resources to further develop their products and startup businesses.
  3. FedEx Think Bigger — Small Business Grant Program. Applicants are encouraged to share their visions to receive a portion of the $75,000 awarded in grants. Part of the judging involves the general public voting for the finalists, so participants may promote their businesses while garnering votes.
  4. Idea Caf Small Business Grant. The Idea Caf is a free gateway that hosts different grants on its site. Its current grant is the 16 th Small Business Cash Grant. which awards one $1,000 grand prize to a business with the most innovative idea.
  5. InnovateHER: 2015 Innovating for Women Business Challenge. This business challenge is sponsored by the Small Business Administration (SBA) Office of Women s Business Ownership. The challenge awards three winners $30,000 in prize money for businesses that have an impact on the lives of women. However, be aware of the recent fraud news around the SBA .
  6. Chase Google — Mission Main Street Project. Chase and Google have partnered to award $3 million in grants. In 2014, recipients were awarded $150,000 to help take their businesses to the next level. Recipients also received a trip to Google headquarters, a Google Chromebook laptop and a $2,000 coupon toward a market research study with Google Consumer Surveys.
  7. Small Business Innovation Research (SBIR): Eleven different federal agencies participate in this awards-based program, which incentivizes and enables small businesses to explore their technological potential.
  8. Small Business Technology Transfer Program (STTR). The STTR program reserves a specific percentage of federal research and development funding to provide funding opportunities in research and development.
  9. Women Veteran Entrepreneur Corp (WVEC) Small Business Competition. This competition, organized by Capitol One and Count Me In for Women s Economic Independence. allows participants to present two-minute pitches for a chance to participate in a nine-month business accelerator program.
  10. Wal-Mart Women s Economic Empowerment Initiative (WEE). As part of a huge Wal-Mart initiative, sourcing opportunities for U.S. and international companies will increase to $40 billion over five years.
  11. Zions Bank — Smart Women Smart Money. This Utah-based bank s grant annually awards $3,000 across six different categories, including business.

Applying for a grant

Once you find a funding opportunity, there are steps required to apply. A few tips to assist you:

  • Make sure that your business is eligible for the grant: Read the grant synopsis guidelines and eligibility requirements.
  • Create a checklist for all of the documents required.
  • Follow the rules. Grant applications can be very technical. It wouldn t hurt to have a second (or even third) set of eyes when reviewing the application to ensure that you have provided all accompanying documents.
  • Start early. Since the application process can be long in some cases, it doesn t hurt to get a jump on things.

If you find the grant application process too daunting or lengthy for your small business, Kabbage is committed to supporting small business loans for women business owners. Because our application process is fully automated and online, we can quickly provide small business loans of up to $100,000. We use simple, meaningful revenue data from your business to approve your business — not elaborate documentation that takes extensive time to gather. To learn more, visit Kabbage.com.





Tags : , , , , , , , , ,

When Do I Need a Business Lawyer for My Small Business? #business #applications

#business lawyer

#

When Do I Need a Business Lawyer for My Small Business?

Among the countless worries for entrepreneurs who are starting or are already running a small business is the question of whether they need a business lawyer. The perception is that attorneys charge high rates and many small businesses don’t have much, if any, extra capital with which to pay lawyers. As a result, most small business owners only hire an attorney experienced with business matters when confronted with a serious legal problem (e.g. you’re sued by a customer). However, legal help is a cost of doing business that often saves you money and helps your business in the long run.

While you certainly don’t need an attorney for every step of running your business, an ounce of prevention is worth a pound of the cure. This article will explain when you can cover legal issues on your own or with minimal attorney assistance and when you will definitely need a business lawyer.

Issues You Can Handle on Your Own

There are certain matters that are fairly straightforward and/or not unduly difficult to learn and therefore do not require the services of an attorney who charges at least $200 per hour. There are enough expenses associated with running a business, why not save yourself a load of money and do it yourself if you can?

The following is a list of some tasks that business owners should consider taking on themselves (with the aid of self-help resources, online and in print):

  • Writing a business plan
  • Researching and picking a name for your business (previously trademarked business names can be researched online)
  • Reserving a domain name for your website
  • Creating a legal partnership agreement, limited liability company (LLC) operating agreement, or shareholder’s agreement (see Choosing a Legal Structure )
  • Applying for an employer identification number (EIN), which you will need for employee tax purposes
  • Applying for any licenses and permits the business requires
  • Interviewing and hiring employees (there are federal and state antidiscrimination laws which regulate the hiring of employees)
  • Submitting necessary IRS forms
  • Documenting LLC meetings
  • Hiring independent contractors and contracting with vendors
  • Creating contracts for use with customers or clients
  • Creating a buy-sell agreement with partners
  • Updating any partnership, LLC, or shareholder’s agreements under which you are currently operating
  • Handling audits initiated by the IRS

The above is not an exhaustive list of legal tasks which small business owners can do on their own. It should be stated that if your business is well-funded or you feel that you need the assistance of an attorney, you can always retain a lawyer to help you with everything listed above.

Issues Where You Will Need a Business Lawyer

Most of the issues outlined above can be handled by any intelligent business owner (if you can run a business, you can certainly fill out IRS forms or fill in boilerplate business forms). There are times, however, when a business faces issues that are too complex, too time consuming, or fraught with liability issues. At that point,the wisest move is to retain a business lawyer.

A few examples include:

  • Former, current, or prospective employees suing on the grounds of discrimination in hiring, firing, or hostile work environment
  • Local, state, or federal government entities filing complaints or investigating your business for violation of any laws.
  • You want to make a special allocation of profits and losses or you want to contribute appreciated property to your partnership or LLC agreement
  • An environmental issue arises and your business is involved (even if your business didn’t cause the environmental problem, you may be penalized)
  • Negotiating for the sale or your company or for the acquisition of another company or its assets

An Ounce of Prevention

While you certainly need to retain an attorney for the serious issues above, your emphasis should be placed on preventing such occurrences in the first place. Prevention does not necessarily involve hiring an attorney, though consulting with one wouldn’t hurt. By the time you or your business is sued, the preventable damage has been done and the only question that remains is how much you’ll be paying in attorney’s fees, court fees, and damages.

For example, by the time a prospective employee files a lawsuit claiming gender discrimination based in part upon questions posed at the job interview, all you can do is hire an attorney to defend the lawsuit. If, on the other hand, you had done your own research on anti-discrimination laws, or you had consulted an attorney beforehand, you would have known not to inquire as to whether the applicant was pregnant or planned on becoming pregnant. The small effort at the beginning of the process would save you an enormous headache later.

To prevent unnecessary attorney costs at the inception of your business as well as tremendous costs after a lawsuit has been filed, you might consider a consultation arrangement with an attorney. Such an arrangement would entail you doing most of the legwork of research and the attorney providing legal review or guidance.

For example, you might use self help and online sources to create a contract with a vendor and ask an attorney to simply review and offer suggestions. Or from the previous example, you might research types of questions to ask during an interview and then send the list to an attorney for his or her approval. This way, you prevent the potential headache later and the cost to you is minimal because you’ve already done most of the work and the attorney simply reviews the document.

Find the Right Attorney for Your Business Needs

You won’t need a lawyer for each and every legal issue that comes up in your business. But when you do, it’s good to know where to find the right one. Check FindLaw’s legal directory for a business and commercial law attorney near you.





Tags : , , , , , , , , ,

Nurses do not wake up each morning intent on delivering poor care, what skills

#

Nurses do not wake up each morning intent on delivering poor care.

Today marks the end of Christina Patterson’s investigation into the worrying state of British nursing. Throughout the week, readers’ responses have been extraordinary – ranging from moving first-hand testimonies to thought-provoking suggestions for change

  • Friday 13 April 2012 23:00 BST

Poor care is due to systemic failings, not the nurses

When people discuss their experiences of poor care, there is little one can say in defence, it’s their experience and no one else’s. I can’t deny for one moment that poor care happens. Every single instance is tragic and utterly unacceptable. However, when a problem is alleged to be systemic, as Christina Patterson appears to argue, one must look at the system and not simply the individuals at fault.

Despite political rhetoric to the contrary, deep budget cuts are being made right across the NHS. Tens of thousands of jobs are being stripped from the front line, and when nurses leave or retire, they aren’t being replaced. What does this mean for the team working on an older people’s ward that used to be staffed with five nurses, and now has to cope with three? It means that the 20 or so patients on the ward cannot physically get the attention they all need, that those who need help at mealtimes may not get it and that, despite the best intentions, standards slip.

The nurses of this country do not wake up each morning intent on delivering poor care – it just doesn’t happen. What does happen is that systemic failings bring about individual cases of poor care. We need to openly discuss the factors that are currently making a nurse’s life very difficult indeed.

Chief executive general secretary, Royal College of Nursing

No wonder so many Brits come to work in Canada

After 30 years as a nurse, nothing surprises me and I know there will always be bad nurses, although happily at the hospital I work they are the exception. Part of the problem is the abysmal wages in the UK. When I saw the pay scale I understood why so many British nurses emigrate to Canada to work. The wages are appalling given the intensity and difficulty of the work and the educational requirements.

I’ve had only superb care: is it because I live in a rural area?

I have been treated for two years for breast cancer by my local NHS Trust, and I have had superb care from all staff: oncologists, MacMillan nurses, nurses on the breast ward, radiotherapy centre and associated services such as X-ray, my GP, transport by ambulance or volunteer drivers, counselling, and appointment clerks.

So why is my experience so different from that reported? I believe it is because I am being treated in a rural area – Cumbria, with relatively small hospitals and clinics – not in a pressurised urban area where care is delivered via huge institutions. I don’t want a Big Society, I want a Small Society, where people – professionals and patients – can foster genuine relationships in a caring environment.

Let’s build on what’s good I will be retiring from the profession at the end of April after 42 years as a nurse . It has been my privilege to have worked with nurses who are committed and compassionate, putting patient care at the heart of their decision-making. Please let’s look at what’s good about the profession and build upon that, instead of assuming that we all need to develop a new “culture of compassion”.

Missing managers and cliques of self-serving staff

Some practitioners have all the qualifications anyone could ask for, but lack any empathy. Some are even vindictive, as I can attest. In the vast majority of my contact with hospitals, the person in charge is never seen and does not supervise in any way. The main observation I have, though, is that most of the poor staff exhibit massively childish behaviour. My question is why these people are ever offered training in the first place, as they have no ability to deal with themselves let alone vulnerable patients. They form nasty, gossipy little self-serving cliques, and woe betide anyone who tries to enforce professional standards. I observe that hospital managers are paid handsomely. What for?

A missed opportunity Christina Patterson’s excellent series highlights the disaster of the abolition of State Enrolled Nurses. The NHS now relies on thousands of healthcare assistants to care for NHS patients under registered nurse supervision.

Many healthcare assistants do a great job but there is no uniform training. A healthcare assistant dismissed for poor standards in an NHS hospital one day, can turn up working in a private nursing home the next.

In the Lords, in debate on the Health and Social Care Bill, Labour Peers strongly supported the statutory regulation of healthcare assistants. This was voted down by Coalition Peers. A great pity and a real missed opportunity to boost standards.

Lord Philip Hunt

Shadow Deputy Leader, House of Lords

Care and practical skills must count for more than NVQs As a recently retired Charge Nurse, and having worked in the caring profession since the 1970s, I believe I can offer a perspective on the “crisis in British nursing” today.

When applying for a position within this field, I was able to say that I wanted the job because I enjoyed working with others, and actually wanted to help people, see their situations, and improve their recovery. More recently, individuals with career aspirations in the nursing sector are encouraged to place emphasis on the NVQ’s or diplomas that they have, since managers and senior staff are primarily interested in what career paths the interviewee is pursuing.

I used to be an “enrolled nurse”, known in the profession as “the practical nurse”. Sadly, it seems that such skills are no longer valued in nursing. The culture needs to change again.

Atomised care is a disaster Christina Patterson’s series of articles this week illuminate a vital aspect of healthcare but it is a mistake to view healthcare and its problems in this compartmentalised way.

Healthcare is, or should be, an intimate commingling of disciplines and not an incoherent assemblage of entities, structures and processes. Atomised private healthcare is the perfect image of a disaster – clinically, practically, financially and ethically.

Unless and until we have a government truly committed to the welfare of the patients, the decline will continue. This excludes all three conventional parties who are united in their ambition to destroy the NHS.

“A lot of nurses are scared to think outside the box”

“Nurses do care. When the press is constantly having a go, it does knock your spirits; everybody gets tarred with the same brush. I’ve seen bad care, but give a fair hearing to the remarkable things that are going on around the country. Knocking the NHS won’t make it better. I’ve come across a lot of nurses who were scared to think outside the box. They were worried that if they did something off the wall, someone would clamp down on them. We need to get nurses fired up, get them to connect with patients more closely and thank them when they do a good job.”

Jill Fraser, a nurse of 30 years and co-founder of Kissing It Better, a charity that aims to improve patient care

And, from the many comments posted at independent.co.uk and on Twitter:

@witchynicky: As a nurse who trained in the 1980s I weep for my profession. Yes, there was much that was overly formal and task-orientated but we took pride in our work. I worked hard and I loved my work. As a patient six years ago, the nurses were cold and uncaring.

Robert: As a junior doctor working across a number of busy general and specialist medical wards I have been struck by the sheer volume of paperwork which nurses are obliged to complete in order to ensure their ward meets its CQC (Care Quality Commission) targets. Which seems to be a bizarre way to improve care.

Musabah67: I am a highly qualified nurse who has worked both in public and private hospitals and I was shocked by the poor standard of care when I was suddenly admitted into my local NHS hospital. The experience described in this article is similar to the one I endured and my life was only saved by the fact that I was a nurse and I knew exactly what to do.

@MariannaNodale: The point is that for one dodgy nurse, there are also 10 brilliant ones on the ward who are impeccable in their care, are sympathetic of patients needs, have an eye for detail and don’t make any mistakes. Yet the 10 good apples don’t negate the bad one.

@ajgaskin: Patients are only too often ready to complain but fail to acknowledge the good treatment they have received.

Martin West: I have had two operations for cancer in the last year, at different hospitals in the UK. In the first, the nurses were surprisingly brusque, unfriendly and, at times, bullies – to an extent that shocked me. In the second, they were warm, kind, compassionate and friendly, and I left feeling genuinely cared for. Two hospitals, same NHS.

Special report: A crisis in nursing





Tags : , , , ,

Commercial vs Personal Auto Insurance #do #i #need #commercial #or #personal #insurance?, #progressive #commercial

#

Commercial vs Personal Auto Insurance

Commercial insurance vs personal insurance

Not sure whether you need a personal or commercial auto insurance policy? Here are some things to consider when deciding what kind of insurance policy you need.

  1. Who Owns and Drives the Vehicle – If your vehicle is owned by a business, most likely, you’ll need a commercial auto insurance policy. If you’re a sole proprietor, you might only need a personal auto insurance policy. The type of policy you need also depends on how often the vehicle is used and what it’s used for.
  2. How the Vehicle is Used – If you use your vehicle for business purposes, you’ll probably need a commercial auto insurance policy. If you’re a sole proprietor who only travels to 1 or 2 job sites a day, or just use your vehicle for commuting, you might only need a personal auto insurance policy.
  3. The Type and Weight of the Vehicle – If the vehicle you drive is heavier than a normal size pickup or SUV, like a dump truck, tow truck, or semi truck and commercial trailer, you might require a commercial auto insurance policy. Heavy duty vehicles can cause more damage if they’re involved in an accident and sometimes require special insurance coverages.
  4. Required Business Liability Limits – If your business vehicle requires higher liability limits, you will probably need a commercial auto insurance policy. Commercial auto insurance policies typically offer higher limits than personal auto insurance policies.

Visit ProgressiveCommercial.com and use our handy commercial vs personal auto insurance tool to help you choose what type of insurance you need. You’ll answer 5 easy questions and get an online recommendation instantly.

To speak with one of our licensed insurance representatives to help you decide, simply call the number on the screen.

How to determine if you need commercial auto insurance

Personal auto insurance policies can provide enough auto insurance coverage for some businesses, especially if you’re also driving your vehicle for personal use. However, if you require specific commercial auto insurance coverages, high Liability insurance limits, operate an unusual vehicle, haul special equipment, transport goods or people, or have other special needs, then you’ll need commercial auto insurance.





Tags : , , , , , , , ,

Everything You Need to Know about Minority Business Grants – Small Business Blog #business

#minority business grants

#

Everything You Need to Know about Minority Business Grants

Minorities are choosing entrepreneurship in leaps and bounds. The pool of minority-owned business includes members of the African American, Hispanic, Asian, and Native American ethnic groups. According to the SBA, this number rose to 14.6 percent in 2012 in part because of the growing Hispanic population in the U.S.

As with their non-minority counterparts, proper access to funding is crucial for the creation, growth, and sustainability of their businesses. Although minority business ownership is growing, there continues to be great disparities in their access to business funding. In their effort to even the playing field, minority business owners continue to search for various funding resources.

Grants for Minority Business

Federal Grants

As part of their quest for funding, the first choice for minority business owners is to seek out grants. The belief that there are federal grants available for the start up and growth phases for small businesses is a myth. The federal government does not provide grants to businesses for start up, expansion, to cover operational expenses, or to pay off debts. However there are federal grants available in the areas of research in the fields of medicine, scientific research, education, and technology development. Here are a few such grants.

  1. Small Business Innovation Research(SBIR)/Small Business Technology Transfer (STTR) – This grant is for the purpose of funding small business projects that are research related. Research areas include the U.S. Department of Health and Human Service (HHS), Centers for Disease Control and Prevention (CDC), and the Food and Drug Administration (FDA). See a full list of program descriptions and research topics allowed on their site.
  2. The USDA Rural Business Enterprise Grant (RBEG) Program – The purpose of this grant is to finance the development of small and emerging businesses in rural areas. The amount of the award ranges from $10,000 to $50,000.

You can search additional federal grants at grants.gov .

Corporate Grants

We have included a list of some grants available to black and minority owned businesses.

  1. FedEx Small Business Grant Contest The FedEx Small Business Grant awards 10 different grants to small business owners in the following amounts: (1) grand prize grant of $25,000, (1) grant of $10,000, and (8) grants of $5,000. Deadline is January 12, 2015. To enter, the applicants must share their business story including their motivation and plans for growth. Winners will be announced April 21, 2015.
  2. The National Association for the Self Employed (NASE) Growth Grant Program This grant allows business owners to apply for financing for a particular business need. Each grant is worth up to $5,000. To apply visit nase.org, create an account, become a member, and click on the link apply today. Grants are awarded on a quarterly basis.
  3. MillerCoors Urban Entrepreneurs Series – This grant supports urban entrepreneurs by awarding up to $150,000 in business grants to five entrepreneurs annually.
  4. Huggies MomInspired Grant Program – Grant proposals are accepted from businesses that nurture the relationship between mother and child either through a product or service. The amount of the award is $15,000 plus additional business resources for further development.

Organizations that Provide Minority Business Grants

The Role of the SBA

While the SBA has the authority to provide grants to certain non-profit and educational organizations, it is not permitted to provide grants to small businesses, including minority owned businesses. However, minority business owners can take advantage of the SBA (8) a Business Development Program. The program assists qualifying minority-owned businesses develop and growth through one on one counseling, training workshops, management, and technical assistance.

The 8(a) program has been designed for some minority groups that are considered socially and economically disadvantaged. Those groups include: African American, Hispanic American, Native Americans, Asian Pacific Americans, and Subcontinent Asian Americans. A business must be at least 51% owned by a minority of the group listed. Other groups can apply for this program if they can prove that they have been discriminated against or are at an economic disadvantage. Those groups include: Alaska Native Corporations, Indian Tribes, Native Hawaiian Organizations, and Community Development Corporations.

To learn more about this program contact the local SBA office in your area.

The Minority Business Development Agency

Another great resource for minority business owners is the U.S. Department of Commerce’s Minority Business Development Agency (MBDA). MBDA maintains a national network of 44 business centers whose purpose is to assist minority businesses with access to capital, contracts, and new markets. The specialists that work at the business centers can assist with the grant application.

Minority Business Grants: The Process

Applying for a grant is not a quick process. First the application can be more than a few pages and it is normally a detailed application. Most grants have an opening date, which is the date when the grant became available for application. The deadline date is the final date you must submit your grant by. Keep in mind that the decision may take a few months.

Additional Grant Preparation Tips

  • Create a business plan – Writing a business plan is an important step. The business plan will act as the roadmap for your business. Be sure to provide specific information in the plan about your minority business and how it will improve the economy and your community.
  • Read through grant information thoroughly Once you have decided which grant you will apply for, make sure that you read through all of the information. This will ensure that you have all of your ducks in a row. Most grant synopsis’ are detailed and require a lot of specific information.
  • Keep track of the application deadline – Obviously it is important that you do not miss the deadline. So be sure to apply for the grant before the deadline. A good idea would be to create a project checklist which includes dates and milestones. It’s a good idea to submit the grant before the deadline approaches.
  • Gather all of your documents – Make sure you gather all of the documents required for the grant. Prepare a checklist, check, and double check. You do not want to have any missing documents that may cause the grant to be denied.




Tags : , , , , , , , , , , ,

What do the titles mean? RN, BSN, ADN? #step #up, #what, #need, #titles, #going,

#

what do the titles mean? RN, BSN, ADN.

So are BSN and ADN forms of RN. What is the difference in college time, pay, etc?

No, RN is a professional license. BSN and ADN are college degrees. An ADN is an ASN or AAS degree obtained from a community college after two to three years of school (including prerequisites). A BSN is obtained from a four year university after four to six years of school (including prerequisites). You also have the option of an entry level MSN, masters in science nursing, which may grant a BSN along the way or may simply pass up the BSN.

Okay, I graduate school to be an LVN in August and already I’m being asked when I’m going back to become an RN. I hear so many titles and I need help clearing them up. I need to know what I’m going into to know the prereqs I need to get out of the way online or what online program to look into. What is my next step up from LVN? Is a BSN and ADN the same as RN? Aggghhhh. Please help

You need to set up an appointment with an Allied Health Nursing advisor at your institution. We have no way of knowing what prereqs are required for your school since not all schools are the same.

RN: Anyone who has completed at least their ADN, aka Associate Degree Nursing, at a minimum. The ADN is a two-year program excluding the general one year of prereqs (so it’s really a three-year program).

BSN is a four-year degree, aka Bachelor of Science Nursing. There is little, if any, difference in pay between a registered nurse with his/her ADN vs. BSN. The difference is management opportunity, which is geared toward the BSN.

Hopefully the pay rates will be raised in the future to reflect educational attainment, especially for those with a master or doctorate degree in nursing. It’s this lack of difference in pay that pushes me only up to my Bachelor degree, and I only want to go that far because I know when I am in my fifties I will want to lessen my load by doing less bedside care.

Last edit by ZanatuBelmont on Apr 19, ’09





Tags : , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

8 Things You Need to Know About Small Business Loans #business #cards #cheap

#small business loans

#

Small businesses may be the engine of our economy, but many small business owners view the lending process as complicated and frustrating.

Too often, growing enterprises find themselves shut out when they attempt to obtain small business loans. In theory, it should be difficult to obtain funding–lenders are in the business of making money, not providing charity. Still, there are many ways to improve your odds of getting a loan .

Here are some things to consider.

  1. Put yourself in the lender’s shoes–why should they lend you money? When applying for a loan, treat it as if you’re applying for a job. Instead of a great resume, however, you need a stellar application. That means understanding your financial situation and deciding what you can use for collateral, which might include your house. A business person who does the latter shows they believe in their business. Cash flow and credit quality are other key factors. And dress professionally; if you look like you don’t need the money, you’re more likely to get it.
  2. Figure out how much money you really need. Businesses too often seek more money than they really need and, the more you seek, the more likely you will be rejected.
  3. Learn from your mistakes. If one lender rejects you, figure out why. When you go to the next small business lender, address that deficiency.
  4. Those with poor credit in a business-to-business environment that have receivables can use them as collateral. Alternative lenders, such as so-called Internet lenders, will charge higher interest rates, but generally have more relaxed standards.
  5. Always consider–in most cases it should be your first consideration–working with Small Business Administration-backed (SBA) lenders. Many businesses incorrectly assume they aren’t eligible. SBA loans often feature low interest rates and generous repayment terms. Also note that just because one SBA lender turns you down, not all lenders will do likewise.
  6. Know what you’re getting into. That means learning the annual percentage rate (APR) of the loan. Know what the fees will be, as well as any prepayment penalties. Be an informed shopper.
  7. As mentioned earlier, online lenders may provide funding (and quickly) if other alternatives fail, especially for those with bad credit. Aside from higher interest rates, Internet lenders are known for onerous terms and poor transparency, so be sure you really need the money–and can pay it back–if you go this route.
  8. Small banks are likely to be more helpful than bigger banks that prefer working with larger customers.

Like this column? Sign up to subscribe to email alerts and you’ll never miss a post.

The opinions expressed here by Inc.com columnists are their own, not those of Inc.com.





Tags : , , , , , , , , ,

Everything You Need to Know about Minority Business Grants – Small Business Blog #business

#minority business grants

#

Everything You Need to Know about Minority Business Grants

Minorities are choosing entrepreneurship in leaps and bounds. The pool of minority-owned business includes members of the African American, Hispanic, Asian, and Native American ethnic groups. According to the SBA, this number rose to 14.6 percent in 2012 in part because of the growing Hispanic population in the U.S.

As with their non-minority counterparts, proper access to funding is crucial for the creation, growth, and sustainability of their businesses. Although minority business ownership is growing, there continues to be great disparities in their access to business funding. In their effort to even the playing field, minority business owners continue to search for various funding resources.

Grants for Minority Business

Federal Grants

As part of their quest for funding, the first choice for minority business owners is to seek out grants. The belief that there are federal grants available for the start up and growth phases for small businesses is a myth. The federal government does not provide grants to businesses for start up, expansion, to cover operational expenses, or to pay off debts. However there are federal grants available in the areas of research in the fields of medicine, scientific research, education, and technology development. Here are a few such grants.

  1. Small Business Innovation Research(SBIR)/Small Business Technology Transfer (STTR) – This grant is for the purpose of funding small business projects that are research related. Research areas include the U.S. Department of Health and Human Service (HHS), Centers for Disease Control and Prevention (CDC), and the Food and Drug Administration (FDA). See a full list of program descriptions and research topics allowed on their site.
  2. The USDA Rural Business Enterprise Grant (RBEG) Program – The purpose of this grant is to finance the development of small and emerging businesses in rural areas. The amount of the award ranges from $10,000 to $50,000.

You can search additional federal grants at grants.gov .

Corporate Grants

We have included a list of some grants available to black and minority owned businesses.

  1. FedEx Small Business Grant Contest The FedEx Small Business Grant awards 10 different grants to small business owners in the following amounts: (1) grand prize grant of $25,000, (1) grant of $10,000, and (8) grants of $5,000. Deadline is January 12, 2015. To enter, the applicants must share their business story including their motivation and plans for growth. Winners will be announced April 21, 2015.
  2. The National Association for the Self Employed (NASE) Growth Grant Program This grant allows business owners to apply for financing for a particular business need. Each grant is worth up to $5,000. To apply visit nase.org, create an account, become a member, and click on the link apply today. Grants are awarded on a quarterly basis.
  3. MillerCoors Urban Entrepreneurs Series – This grant supports urban entrepreneurs by awarding up to $150,000 in business grants to five entrepreneurs annually.
  4. Huggies MomInspired Grant Program – Grant proposals are accepted from businesses that nurture the relationship between mother and child either through a product or service. The amount of the award is $15,000 plus additional business resources for further development.

Organizations that Provide Minority Business Grants

The Role of the SBA

While the SBA has the authority to provide grants to certain non-profit and educational organizations, it is not permitted to provide grants to small businesses, including minority owned businesses. However, minority business owners can take advantage of the SBA (8) a Business Development Program. The program assists qualifying minority-owned businesses develop and growth through one on one counseling, training workshops, management, and technical assistance.

The 8(a) program has been designed for some minority groups that are considered socially and economically disadvantaged. Those groups include: African American, Hispanic American, Native Americans, Asian Pacific Americans, and Subcontinent Asian Americans. A business must be at least 51% owned by a minority of the group listed. Other groups can apply for this program if they can prove that they have been discriminated against or are at an economic disadvantage. Those groups include: Alaska Native Corporations, Indian Tribes, Native Hawaiian Organizations, and Community Development Corporations.

To learn more about this program contact the local SBA office in your area.

The Minority Business Development Agency

Another great resource for minority business owners is the U.S. Department of Commerce’s Minority Business Development Agency (MBDA). MBDA maintains a national network of 44 business centers whose purpose is to assist minority businesses with access to capital, contracts, and new markets. The specialists that work at the business centers can assist with the grant application.

Minority Business Grants: The Process

Applying for a grant is not a quick process. First the application can be more than a few pages and it is normally a detailed application. Most grants have an opening date, which is the date when the grant became available for application. The deadline date is the final date you must submit your grant by. Keep in mind that the decision may take a few months.

Additional Grant Preparation Tips

  • Create a business plan – Writing a business plan is an important step. The business plan will act as the roadmap for your business. Be sure to provide specific information in the plan about your minority business and how it will improve the economy and your community.
  • Read through grant information thoroughly Once you have decided which grant you will apply for, make sure that you read through all of the information. This will ensure that you have all of your ducks in a row. Most grant synopsis’ are detailed and require a lot of specific information.
  • Keep track of the application deadline – Obviously it is important that you do not miss the deadline. So be sure to apply for the grant before the deadline. A good idea would be to create a project checklist which includes dates and milestones. It’s a good idea to submit the grant before the deadline approaches.
  • Gather all of your documents – Make sure you gather all of the documents required for the grant. Prepare a checklist, check, and double check. You do not want to have any missing documents that may cause the grant to be denied.




Tags : , , , , , , , , , , ,