By Steve Bush

A brief series of pertinent small business financing questions and answers are provided below as a tool to illustrate why working capital loans and commercial mortgages have become so difficult to obtain. This is designed to serve as a good starting point for any small business borrower about to embark on efforts to secure commercial financing.

After they were given taxpayer funding by the financial bailout in 2008, are banks required to provide small business lending?

No, although it is a mystery to almost everyone (except for the bankers themselves) that there were not such conditions placed upon the banks when they were saved from financial collapse by taxpayer funds. Because the assets are considered to be what is known as fungible, the recipients can effectively do what they want with the money. This seems like a term invented just for such an occasion. As used for banking purposes it is not possible to say what happened to the money given to the banks because the monetary assets are interchangeable with other funds. Most banks saved from financial collapse now appear to be investing a significant portion in what most observers consider to be risky areas similar to what got them into trouble at the beginning of this crisis, and in any case there were no restrictive conditions which would require banks to provide any particular amount of commercial loans.

Are there really any good banks still standing? After the financial bailout, are banks still failing?

Yes seems to be an appropriate answer to both questions. Telling the difference between good and bad banks is unfortunately not an easy task for innocent bystanders. It should be apparent that there is still a lending crisis that was not resolved by the bailout because (among other objective indicators) there continue to be ongoing weekly reports from the Federal Deposit Insurance Corporation about bank failures. The rest of us can still draw our own conclusions even though bankers and politicians do not want to talk openly about this situation.

Do phantom business loans refer to commercial financing that lenders say is available but in fact is not?

Yes, and the term is influenced by technology firms when they talked about products often called phantom software when they were trying to discourage customers from purchasing a competitive product even though the company that made the announcement did not have such an item actually available. Because there were so many documented instances in which the phantom software never materialized beyond a press release, the practice was usually viewed as controversial. The world of small business lending has now apparently adopted this questionable public relations ploy.

While the preceding discussion was not intended to be a complete examination of small business loans, it was designed to reveal potential lending difficulties to small business owners before it is too late to take appropriate action. The brief business financing quiz shown above also illustrates several key issues to help explain the recent lack of adequate commercial real estate loans and working capital funding by banks to small businesses.

About the Author: Stephen Bush has provided business financing expert advice to commercial borrowers for over 30 years and delivers small business finance services throughout the United States. Please visit the Commercial Mortgage Loans website for AEX Commercial Financing Group at aexcfgllc.com

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byAlma Abell

If you have water settling in your yard, it’s essential that you call an expert that specializes in Drainage in Brick, NJ. You and your family can’t enjoy your yard if it’s always wet and this is most often the result of a drainage problem. Below you’ll discover some common questions about your residential drainage system.

Q.) Can a wet yard cause damage to my home?

A.) If your yard is constantly wet and the water has nowhere to drain, it’s quite possible that the moisture will eventually get into your basement and damage your foundation. Wet soil underneath your home expands causing the foundation to raise higher than it should be. In very dry months, the soil shrinks back down and the foundation sinks back down into the soil. Foundation damage can be expensive to repair, so it’s best to have your drainage problem fixed before this happens. Mold and mildew growth thrive in a damp basement and this fungus can cause allergies to flare up and you may have breathing problems. If you have any belongings stored in your basement, the dampness can ruin them and cause them to have a musty odor.

Q.) How will a drainage system keep the water out of my yard?

A.) The professionals that will fix your Drainage in Brick, NJ will dig out a trench that runs away from your home. A perforated pipe is placed down in the trench and small rocks or gravel is poured around the pipe. Under normal circumstances, this type of drainage system works efficiently for at least ten years. Most of the time, a sump pump is also installed to work with the drainage system, especially if there isn’t a huge slope from the house to the drain field. A clean out is normally installed to inspect or snake the drain in the event of a clogged pipe.

Before your drainage problem gets any worse, call Jersey Shore Lawn Sprinkler, Inc for a free estimate to fix your drainage problem. This company also provides lawn care service, water well drilling, pump installation, lawn irrigation, swimming pool repair and back flow testing.

Most Boring Task Which You’ll Never Consider Doing Yourself: Need of a Virtual Assistant

by

Paull OrtizMarketing Business

Marketing your business is very essential to increase your product sales which would in-turn increase profit level of your company. Marketing your product on internet is not an easy task. Marketing on internet gives you global reach. It requires lots of effort to advertise your product globally on the internet. It is not easy because one has to scroll tons of websites for getting traffic and posting links and ads which takes lots of time.

Can you do it?

As an owner of a company it becomes very difficult to look at each and every aspect of business also social media networks have grown by many folds and the task one has to do is immense for promoting the business on these social media networks. Before promoting the product and business you need to promote the website in various search engines such that the website is ranked in top5 of search results and all these tasks are not easy plus you also need to post ads of your company on various websites which requires you to register first on each and every in dividual websites and than post ads on these websites which is also a tedious process, doing all this day-in and day-out makes you bored and it is not a cup of tea for everyone to drink.

Though internet provides great resource for marketing the product at almost no cost, it is not at all easy to work around on the World Wide Web but having said that I would still say social media networks are the best to increase your profit level without spending much and also helps in cutting cost.

What is the solution?

The only solution is hiring a Virtual Assistant who would complete your entire day-to-day task on the social media network.

1.Virtual assistant is needed for doing search engine optimization for your website.

2. It is also needed to provide back links of the website on different social media networks.

3. Virtual assistant is needed to release detail of products on all websites on the internet.

4.Virtual assistant is needed to generate effective leads which can be converted into sales.

5.Virtual assistant is needed to post ads on different websites which when clicked gets the user to the company website.

6.Virtual assistant is needed to post jobs for the company on social media websites so that the company can hire highly skilled task force without paying anything. Hiring employees through recruitment consultants is very costly with respect to this virtual assistant does a great job for the company.

7.Virtual assistant is needed to showcase your product on various social media networks for more visibility of products.

8.It is also needed to prepare presentation of the product to be released on various social media networks.

With a

virtual assistant

waiting in the wings, you get your life back in a simple

click!

Article Source:

ArticleRich.com

How To Use Sports Nutrition Supplements

by

Vikram Kumar

If you are looking for a way to make sure that you are in peak condition for any type of physical activity, then you should look at getting sports nutrition supplements. These are supplements that are used by athletes to keep them healthy. You can use them for diet and weight loss as well. When you want to stay in shape, then the best thing to do is to get some sort of supplement that will make up for anything that you may be lacking in your body. If you are looking for diet and weight loss, then this will work for you as well. Whenever you are looking to help your body, you should look for the natural products instead of those that are made from chemicals or additives. There are those that are out there that are comprised of products that have been around since time began. These include natural plant extracts and more. Naturally they are a lot healthier for you than other products.

Other products on the market often will have harmful ingredients that are not made to work with the body. When it comes to diet and weight loss, there are many items out there but not all are good for you. You are better off to use those that work with nature. That is, they will work with your body in a natural way so that you end u losing the weight that you want while at the same time maintaining a healthy body. The same goes for those who are looking for the sports nutrition supplements. You want to be sure that you get those that are made to work well with you and will also help you bulk up for sports. When you need energy, you need to use products that will work in a natural light and not cause any harm.

You do not have to resort to chemicals that are manmade when you are looking for those items that can help you lose weight or also work well out in sports. A person should look to work with nature, to be one with nature when they are looking to help themselves with some sort of supplement. The products that are used in nature were put there for a purpose. There are many who believe that everything that we need to survive is right here on earth, we just have to look for it. That includes the supplements and also dietary aids that are out there.

The plants as well as other natural products do wonders for those who know how to use them. You can find the right type of supplements that are made to help your body when going to an online site that has them for sale. These products are preferred over those that are made from artificial ingredients by those who are in the know. If you want to stay healthier, then be sure to use the right type of supplements that are designed for this purpose. Instead of resorting to chemicals, stick with the products that are made for helping you stay fit and healthy in a natural way.

You can use

Sports nutrition supplements

that will help you when you want to stay fit. For the best in

diet and weight loss

as well got o Luxe BC.

Article Source:

ArticleRich.com

5 Things of IoT Security

by

Dr Rajiv Srivastava

The Internet of things (IoT) is the network of physical devices, vehicles, home appliances and other items entrenched with electronics, software, sensors, actuators, and network connectivity which enable these objects to connect and exchange data. Each thing is exclusively identifiable through its entrenched computing system but is able to inter-operate within the existing Internet infrastructure.

IoT security is the area of endeavor concerned with safeguarding connected devices and networks in the Internet of things.

The Internet of Things involves the increasing use of objects and entities known, in this context as things — provided with unique identifiers and the ability to automatically transfer data over a network. Much of the increase in IoT communication comes from computing devices and embedded sensor systems used in industrial machine-to-machine (M2M) communication, smart energy grids, home and building automation, vehicle to vehicle communication and wearable computing devices.

The main trouble is that because the idea of networking appliances and other objects is relatively new, security has not always been considered in product design. IoT products are often sold with old and unpatched embedded operating systems and software. Furthermore, purchasers often not succeed to change the default passwords on smart devices — or if they do change them, fail to select sufficiently strong passwords. To improve security, an IoT device that needs to be directly accessible over the Internet, should be segmented into its own network and have network access restricted. The network segment should then be monitored to identify potential abnormal traffic, and action should be taken if there is a problem.

The Internet of Things (IoT) is rapidly emerging as the manifestation of the Networked Society vision: where everything that benefits from a connection is connected. But the assumptions of trust which formed the backdrop to the early development of the internet no longer apply in the early stages of IoT development. Privacy and security concerns are ever increasing, especially given the growing significance of IoT in corporate, government, and critical infrastructure contexts.

So, five main things you should know about IoT are:

1.Cost Savings

In addition to the optimal utilization of energy and resources, the IoT helps alleviate the problems associated with bottlenecks, breakdowns and system damages. IoT mainly proves to be very helpful to people in their every day routines by making the appliances communicate to each other in an effective manner thereby saving and conserving energy and cost. Allowing the data to be communicated and shared between devices and then translating it into our required way, it makes our systems efficient.

2.Communication

IoT allows physical devices to stay connected and better communicate, which creates greater quality control. IoT encourages the communication between devices, also famously known as Machine-to-Machine (M2M) communication. Because of this, the physical devices are able to stay connected and hence the total transparency is available with lesser inefficiencies and greater quality.

3.Automation and Control

Automation leads to consistency in tasks, quality of service and control of day-to-day tasks without human intervention. Machine-to-machine communication also helps maintain transparency throughout the process. Due to physical objects getting connected and controlled digitally and centrally with wireless infrastructure, there is a large amount of automation and control in the workings. Without human interference, the machines are able to communicate with each other leading to faster and timely output.

4.Efficient and Saves Time

The machine-to-machine interaction provides better efficiency, hence; accurate results can be obtained fast. This results in saving valuable time. Instead of repeating the same tasks every day, it enables people to do other creative jobs.

5. Privacy and Security

As many of our daily appliances, machines and services become connected to the internet, much more information is readily available. It makes it harder to keep confidential information out of the hands of hackers and other unauthorized users. Since there is involvement of multiple devices and technologies, there is monitoring by multiple companies, which directly questions the security over privacy issues. Data storage and retrieval also becomes a prime concern for the companies as all of them are involved at the same time. In case of keeping a single company, it may lead to a domination question.

Ultimately, you have to agree that the Internet of Things presents new technological opportunities across various dimensions. If properly implemented, it could offer a host of new possibilities for your business as well.

The Sagar Institute of Research Technology (SIRT) is the first Institute of Sagar Group of Institutions. It is among

Top engineering colleges in MP Central India

.Author: – Faculty of CSE Department (SIRT Bhopal)

Article Source:

eArticlesOnline.com}

Submitted by: Ed Lebbon

People nowadays simply leave the comforts of their office jobs for the freedom and flexibility of freelancing or becoming self-employed. It may be easy but have you ever though t of the long term liabilities involved such as tax affairs and accounting issues? Sure working on your own terms maximizes the time and increases the effort you have for the maximum amount of money you earn, however, there are always legal issues that one must deal with.

The only choice contractors, freelancers and the self-employed have would be to go through an umbrella company. Basically umbrella companies handle all the tedious paperwork involved in tax affairs and accounting issues. They make sure you become tax-efficient and that you comply with legislation’s of the HMRC and you are also IE35 compliant so you wont have to worry about the tax man knocking on your door.

There are a few things freelancers should have in mind when selecting a company because this is not like picking off the best looking candy at the store. First, aside from making sure they are compliant with tax legislation’s and laws, do make sure that there are no hidden fees such as entry or exit fees. Check out if they have penalties or minimum term commitments. Companies such as these are not a good option. Contractors should have the freedom to terminate their own contract without paying any ridiculous fees.

Watch out for companies with flashy words such as special expense dispensation. Dont believe companies that say they would process your claimed expenses without receipts. This would be a big no-no. The HMRC investigates all expense claims and once found out that there are no receipts to your claims then youd be in big trouble and not the company. Lessen the trouble by sticking to companies that ask for receipts. We wouldnt want the tax man barging in your front door.

The best companies offer contractors a full employment status. Why so? Being deemed as fully employed under the contract of an umbrella company gives you full benefits like those working under a regular contract at an actual office job. Meaning what? You get all the sick and holiday pays, leaves such as paternity and maternity leaves plus more. Others include minimum wage and pension provisions.

Companies should have an easy to reach portal or website where you can easily ask for help from their customer service representatives. Another thing to take note of when choosing a company is the business insurance they would likely offer. This covers your injuries while on the contract.

It is not a requirement for companies but some offer perks. These perks include gift certificates or gift vouchers. Some simply use it as a marketing strategy to get you to join them. Some offer childcare vouchers. These would be of great help for contractors, freelancers or self-employed individuals with kids. Childcare vouchers aid you to get NIC and full tax that greatly minimize costs on childcare.

Remember that in choosing a company that suits you, go with those your friends would recommend. Do a search online and check out those with great comments or referral rates. Getting the right company that best suits the structure of your work is always best.

There are a lot of companies but to help you save time then you should look no further than Access-a. Access-a is comprised of a team of experts equipped with the knowledge and expertise on tax affairs and issues. We make sure our solutions make each contractor 100% tax-efficient plus we make our solutions future-proof meaning it would easily be changed in cases were legislative changes occur.

We offer the best, easy and impartial tax advice to our contractors. Aside from doing all the paperwork regarding all the tax affairs in your business, we make sure you reclaim all expenses incurred in the business. Our 24-hour portal is ready to serve you which also include your own account manager. You get access to all your work records and expenses plus monitor all payments made, payments due and funds received. With over 15 years experience, we are fully compliant with the HMRC and the IE35. All you have to worry about is the time you need for work. Well worry about your tax you and else that is left to do is for you to put your feet up.

About the Author: Ed Lebbon is the owner of Access-a Umbrella Company, Access-a is an umbrella company offering the benefits of a limited company without the administration or statutory responsibilities.To know more about Umbrella Companies visit our website at

access-a.co.uk/

Source:

isnare.com

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