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Commercial borrowers should avoid submittals of application forms for commercial loans until after specific lender interactions. Business owners should especially avoid online applications for business cash advances and business loans, and this commercial funding article will describe how and why to avoid the online application trap involving commercial loans.Business owners and commercial borrowers will consistently find an almost limitless supply of internet sites for commercial loans. Most business cash advance websites will include some version of an online application. Here is a four-step process for avoiding the unwise use of applications for business loans.The first step is to avoid the initial temptation to submit a commercial loan application online. It does appear to be convenient for a borrower to apply for business financing online. Perhaps some borrowers are attracted to the anonymous nature of the online business finance application because they have been previously annoyed by sales tactics and evasive answers in loan discussions.Many commercial lenders have contributed to the pervasiveness of online applications in large part because they are fearful of losing some competitive advantage by not having this capability. However in attempting to match their competition, business lenders and brokers are sacrificing the best interests of their commercial borrower clients by facilitating the online application approach for commercial loans.The second step is to understand why it is essential to avoid an online application. Applying for commercial loans via a website is similar to submitting a resume without previous research or discussions when seeking employment. What makes an online business loan application even more risky and inadvisable than the anonymous resume example is the usual inclusion of tax identification numbers and other sensitive financial data on a commercial funding application document.Online applications have several critical problems. First, there are always potential security breaches during transmission (as well as before and after transmission). Second, there is a significant loss of control by the commercial borrower in the use of their social security number or tax identification number for checking credit (since many online application processes will result in checking credit before any personal conversations occur). Third, most commercial loans are simply too complex to initiate by an oversimplified automated process. Beginning the business cash advance or commercial mortgage process with automated applications is similar to skipping pre-game warmups and coaching pep talks prior to kickoff in a football game. The easiest approach overlooks too many essential preliminary steps.A suggested third step is using an alternative and improved approach to the online business loan process. The simple and pragmatic solution to the online application dilemma is to insist on preliminary personal discussions with an experienced advisor before submitting any form of commercial finance application. A suitable and ethical commercial lender will not ask a commercial borrower to submit any application until the borrower has completed a thorough discussion with the lender confirming that financing is appropriate for a specific financial situation.Of course it should be anticipated that some commercial lenders and brokers will attempt to minimize the potential problems associated with an online financing application. In such situations, borrowers should search for a commercial loan advisor who routinely emphasizes an individualized and conversational approach to commercial funding.The fourth step is to explore additional resources that will facilitate a better understanding of complex finance issues. The Commercial Real Estate Loans Guide and The Working Capital Management Guide are two examples of financing resources that will provide strategies for many problematic circumstances dealing with small business cash management.

Our forefathers must have never fathomed that their children would live up to see a time of iPhones and iPads! What to say of them? Some two decades ago, even we didn’t know that we would live up to see such a technological advancement as this! Virtually speaking, all of us are surrounded by gadgets and gizmos. Technology has in fact taken a BIG leap and for techno freaks it is very important to stay abreast with latest technology news. A new technological genius is showing up every single day from God knows where and for that mankind deserves kudos indeed!The technological scenario seems to remain abuzz with activity all throughout no matter what. Technological advancements are developing at a breakthrough speed and as such technology news remains entangled in unbounded bustle always. Techno buffs sit glued to their PCs (or should we say iPads) for any new application or up-gradation or technical advancement. They love to hunt for online technology news so that they may work on it accordingly. The number of such heavy-duty techno loyalists extends to many a countless millions!Beginning with mobile phone news, whether it is the new Android 3.0 (titled Gingerbread) or the latest Motorola DROID 2, the mobile platform also keeps buzzing with activity. Mobile developers are working their sweat off to develop breakthrough mobile applications to enhance the device’s functionality. There are innumerable websites that help a person to track technology related news and there are over a million people across the globe who follow these sites religiously. With the range of iPhone accessories and iPod accessories available out there, it is somewhat irresistible to not upgrade one’s phone. After all there are so many options that people may use to play around with their phones. It seems smartphones are getting smarter by the day! These multitasking gadgets are adding a new feather to their cap almost every day, the reader would agree to this one.Computers and cameras are also not unaffected by the giant technological leap. These two highly functional gadgets have evolved to a great extent down the line. The World Wide Web is chock-a-bloc with such intuitive websites that provide Latest Camera News and Computer Hardware News. With latest PC tablets, pocket PCs and mini net-books, one wonders where technology would ultimately take a halt! These ultra fast high performance laptops are a big office in themselves! The story is no different for cameras. Once assumed to be sheer ‘Moment Capturing’ device, cameras have developed themselves into super effective gizmos. From long zoom cameras to tough digital ones, cameras have indeed come a long way!Talking about home theater, these high definition plasma screens have changed the entire movie watching experience. The idea of getting a home theater set up may sound to be a costly endeavor initially but subsequently it proves to be worth installing. Internet is replete with such sources wherefrom the people may grab some latest home theater news. So, there are unlimited sources to catch hold of some juicy technological news.

” I will offer to free your mind. I will open the door for you. But it is your choice to walk through”…John Milton FoggThe previous blog has have shown how few people ask about home business education when looking for a home business. The shocking ratio based on Google Keywords AdWords Search is out of 3000 home business searches only 1 person also is looking for some education how to start a home business and what to do.How crazy is that..in the same category as driving a car without a license or building a home without a blueprint or charting a trip without a map or getting married to someone with no previous relationship..all very scary and crazy and highly prone to unfulfilled expectations and failure.And yet, it would seem, people somehow assume, or are hyped to believe, they can earn a professional 5 or 6 digit income in a home business without applying some initial fundamentals. Do they rely on others to take the roles, hold the reins, and stand under a guru’s charisma long enough to see the “enlightened pathway.”This may work in some businesses but not in a network marketing home business based on massive duplication of a simple plan that everyone can democratically pass on.So here’s the most important lesson you need to know in two partsPart 1. Visualize and draw your Keep it Simple Circle Start by drawing a circle..about the size of a small orange.. no need to be perfect.
Inside it draw a small stick figure.
Outside it draw a similar sized stick figure.
Inside the circle write the letter S as large as you can to fit into the circle. S stands for SIMPLE.
Outside the circle write as small a letter S as you can beside the stick figure.
Turn the letters S into dollar signs.Fundamental Lesson learned: The more simple the business plan the more money you will make. If you are outside the Simple Circle, following something more complicated, the less money you will make…Part 2. List the 3 essential parts of a simple home business planDraw another similar circle.
Divide it into 3 parts ..more or less equal..don’t worry about being perfect or analytical.
The GOOD NEWS is there are only 3 parts that EACH represent an important part of your home business.
Print ONE WORD in EACH of the 3 sections

Part 1. EDUCATE
Part 2. CONTENT
Part 3. MAKE A DECISION
So far, this should be totally clear. Now lets add a few details. Write these words outside the circle and connect them to the right section:

EDUCATE…facts…training
CONTENT…company…website
MAKE A DECISION…ROAD MAP TO SUCCESS
You have just created a beautiful mind map with two circles that represent the tremendous potential of this unique home business. You can now build your dreams on something very real, very action orientated and very democratic. Absolutely everybody can do this.Is there anyone who cannot do this home business plan? You need a phone and computer.
Is there anything missing or incomplete? Use the Mini-Program for Maxi-Profits as a comprehensive overview of facts and training.Is there any other way to simplify this home business plan? Show me.Is there any other way to build substantial residual profits over and over again?WHAT ABOUT YOUR COST and TIME?EDUCATION. $25 for Mini-Program for Maxi-Profits (one hour)CONTENT. (time factor will vary here)
Replicated company’s website, back office, marketing tools…NO COST…auto shipment of valuable health product..basis for commission starts from $40 monthlyMAKE A DECISION…ONE PAGE read and share summary replicated website..ROAD MAP to SUCCESS…NO COST (30 minutes to read)If this isn’t the most exciting lesson plan you’ve ever seen for a successful home business…then maybe you’re not ready to be a home-based entrepreneur. Maybe you want to take more time to do more research..and there’s lots of resources are available.But if you see how this two circles relate and how simple it is to duplicate residual profits you should be jumping for joy. Financial freedom is truly at your fingertips.WHO should be jumping for joy?People with no time, and who work full time jobsPeople with no background in salesPeople who have never started a home-based businessPeople who don’t have a lot of extra timePeople who are money motivatedPeople who value spending more time with their familiesPeople who need extra retirement incomePeople who hate their jobs, and want out of the rat racePeople who like their job, but who just need a little moneyPeople who like making money the easy way.If you see yourself on this list, then why not get started today?Your questions and comments are always important.

Across the world, human life expectancy has grown by leaps and bounds. Compared to the 1950s, it has shot up by 50% and comparison with 1980s it has increased by 30%. Long gone are the days when company-sponsored pension plans alone were sufficient to spend one’s golden ages in a relaxed and worry-free manner.Today, with ascend other expenses like housing, education, healthcare and more, several people are finding it increasingly challenging to save for their retirement.Unfortunately, the bitter truth is that people of all generations from baby boomers to millennials aren’t saving enough for their retirement. Saving is one of the most underrated worldwide epic crises.”Retirement is complicated. It’s never too early or too late to start preparing for your Retirement.”Thus, people are trying for alternate opportunities that provide them with higher returns in shorter span period. Traditionally, real estate, private equity and venture capital was wanted. Now, a new and more additional moneymaking and lucrative investment has joined the picture – enter cryptocurrencies.Cryptocurrency Investments – For those who don’t want to place all their Eggs in one BasketOne of the biggest advantages of cryptocurrency investments is that it decouples your portfolio from reserve currencies. Say, if you live in the UK, then you’re bound to have shares of UK-based companies in your retirement portfolio, if you’re into equity. What will happen to your portfolio if the British pound were to crash? And given, today’s volatile political scenario across the globe, nothing is certain.Therefore, cryptocurrency investments make the most sense. With digital currency investments, you’re effectively creating a basket of digital coins, that acts as an effective hedge or as a safe bet, against reserve currency weakness.The average investor should allocate only a small portion of his/her retirement assets into crypto, due to its volatility. But, instability can cut back both ways – think back to the healthcare stocks of the 1950s and the tech stocks of the 1990s. The smart early investors were the ones who made it big.Don’t get left behind or lose out. Include crypto in your assets to start building a truly, diversified portfolio.Cracking the Wall – Build your Trust in Cryptocurrencies One of the biggest and foremost hurdles most first-time crypto investors face is that they can not trust digital currencies. Many, especially people who are not tech-savvy or nearing retirement do not perceive what the promotion is all about. Sadly, they fail to realize and appreciate the myriad potentials of cryptocurrency.The reality is that – Cryptocurrencies are one of the most reliable assets, backed with the latest technology. The blockchain technology that powers digital currencies makes it possible to trade immediately and indelibly without the requirement for third-party verification. It’s a peer-based system that is entirely open and runs on advanced cryptographic principles.Retirement Planning Funds Should Work on Demystifying Cryptocurrencies To build the trust and win the support of individuals, retirement planning funds must educate investors about the endless potentials of cryptocurrencies. For this they need advanced analytics that helps in providing reliable risk analysis, risk/return metrics and projections.Additionally, investment firms can set up specialized cryptocurrency advisory services to help and guide new investors. In the coming years, one can expect several smart AI-based advisors to crop up on the scene – these will assist in calculating the right investments based on an individual’s time horizon, risk tolerance and other factors.Human advisors can work along with these intelligent advisors and provide customers with personalized consultation and other suggestions as and when needed.Need for More Visibility and Comprehensive Control Retirement investors who are looking to add cryptocurrencies to their asset portfolio require more control and visibility as they experiment with this new asset. Look for platforms that let you combine all your assets in one place. An integrated solution that enables you to manage and balance all your assets including traditional ones like bonds and stocks with new asset classes like cryptocurrency wallets.Having such a broad platform that supports all your assets gives you a holistic portfolio analysis, helping you make better and more informed decisions. Thereby, you reach the ultimate aim of saving for your goals faster.Look for investment planning portals that also provide additional features like periodic contributions to cryptocurrencies at scheduled or unscheduled intervals.Advances in Supporting Technologies for Cryptocurrency Investing Cryptocurrency investing will become mainstream only when the supporting technology makes it possible for investors to seamlessly trade coins, even for new investors who aren’t aware of the know-how. Exchanging one digital coin for another, or even for fiat currencies and other non-tokenized assets must be all made possible. When this becomes possible, it will eliminate middlemen from the equation, thereby lowering costs and additional fees.With maturation of technologies that support cryptocurrency investments and trading, the value of digital currencies will further increase, as the currency goes mainstream with broader accessibility. This means early adopters are in for a huge gain. As more and more retirement investment platforms integrate cryptocurrency, the value of digital currencies is bound to increase offering significant gains to early adopters like you.If you’re wondering, whether such retirement investment platforms will take a few years to see the light of the day, then you’re wrong. Auctus is one such portal that is currently in its Alpha phase of launch. It’s a first-of-its-kind retirement portfolio platform that includes digital currencies. Users of Auctus can get investment advise from both human and AI-powered analytical tools.For now, users can save for retirement using Bitcoins, Ethereum and several other digital currencies. Additionally, users can make use of the Automated rebalancing feature that lets them adjust their portfolio automatically using a set of preset rules.This holistic approach ensures that users can achieve their retirement goals earlier by making smart and the right investment choices or decisions.Final Thoughts – Cryptocurrencies are Not to be Ignored in your Retirement Portfolio Yes, it’s true that cryptocurrencies are highly volatile. In fact, there are speculations on the internet that suggest that “cryptocurrencies are nothing but a get rick quick scheme” and the bubble is likely to burst sometime in the near future.The uncertainty doesn’t mean that cryptocurrencies shouldn’t be a part of your retirement portfolio, even if you short investment time horizons. On the other hand, the current slump in the prices of cryptocurrencies in 2018 mean you’ve got a rare opportunity to build gains.Greater trust, holistic and directly controllable investment management capabilities and advances in supporting technologies ensure that digital currencies make for an excellent investment choice to include in your retirement portfolio.

Take a trip to Orland and enjoy the beautiful sand beaches and sceneries. Whether you are going to Orlando for business matters or for a holiday, you can be assured of having fun. When you get to Orlando, there are exorbitant hotels where you can spend your holiday. It all depends with your budget and the desire of hotel or vocational home you want. These hotels have all the facilities you need. They have swimming pools at the club houses, basketball courts and playgrounds for children. Vacation in Orlando is made complete with the availability of the classy vocational homes and hotels. If you are planning to travel with your family, then this is not a problem since the homes and hotels have rooms that can accommodate even two families under one roof.Go out to Orlando and view the beautiful islands, when you are in the hotels or the vocational homes, you are assured of your safety. They have a gated community for your security. The hotel rooms are classy, they have granite counter tops and tile floors, and they are equipped with washers and dryers, kitchens and jetted tubs for the bathrooms. Relaxation and comfort is what you expect when you take a vacation in Orlando. The rooms have TV sets where you can relax and watch your favorite programmes.If you are a fun of playing the pool game. They offer a pool with a poolside bar where you can get drinks and snacks. These hotels offer free shuttle service to the theme world parks.When you take a vacation in Orlando you can be assured of a memorable trip, the rooms have private furnished balconies where you relax and enjoy viewing the beautiful sceneries, they also have paddle ceiling fans. Every morning you are provided with a continental breakfast that includes coffee, bagels, cereals, fruits juices and milk giving you the chance to take whatever you want. If you want to travel with your kid, these should not be a problem since they offer suitable ambiance for your kid. There are hotels where you can get free accommodation for your kid as long as she is below twelve years old.If your budget is a bit fixed, and you take a vacation in Orlando, there are hotels that offer free meals as long as you have paid for the accommodation. This way you can use the money for buying meals for other expenses of your trip. You should not miss the adventures of Orlando, all the amenities you need are in this hotels. If you need much more information on these hotels, through the different website there is much more elaborate information. If you want to book for accommodation, all the necessary information is also provided for you. Take a trip to Orlando and enjoy yourself now.

When an emergency strikes, you need help and need that help fast, before it is too late to do anything about it. A financial emergency also has similar requirements, wherein, you need immediate funds to meet the urgent requirement that has cropped up. Any individual would first look at the easiest options available to him, when looking for immediate financial assistance. One such option may be asking a friend or family member for a loan. However, firstly, it might be embarrassing to divulge your financial status to a known person. And secondly, the individual you approach for help may not have the necessary funds at his disposal, thus, be unable to help you out financially. A much safer option would be to apply for a financial loan that can provide you with instant cash to support any financial need in between two consecutive paydays. In short, apply for a loan that provides you ready cash till your next payday, when such a loan can be repaid instantly. However, you may have apprehensions about approaching any financial lender, as any traditional loan would take a fair amount of paperwork for verification and processing of the loan, before you can actually get the loan approval and then the cash. When time, however, is a crucial factor, then you can avoid waiting in long lines and going through the process of lengthy paperwork for loan approval by making the smart choice of applying for the no paperwork payday loans.The benefits of the no paperwork payday loans are many, besides of course the obvious advantage of speed. If you are a potential borrower, who already has a bad credit history, then it may make better sense for you to opt for the no paperwork payday loans as they do not require any verification by the lender. As long as you have provided basic personal information like your name, address and employment details, it is sufficient to process your loan application and give instant approvals. To save on further time, the financial lenders also have their own online websites where the potential borrower could not only gather every information he needs, but also make use of the online application form.Once the lending agency receives your application, immediate processing would start on the application. Often these no paperwork payday loans are approved shortly and within 24 hours of the loan application, the borrower can have the loan amount transferred to his account, the details of which he must supply at the time of loan application itself. Unlike many other traditional secured loans, these payday loans that require no paperwork, have no restriction on the manner of spending. Hence, you could use the loan amount for any financial purpose that you deem for, be it paying off your credit card debts, cost of car repairs or maybe even a telephone bill.The no paperwork payday loans are the most hassle free way to get instant access to cash till your next payday arrives. One may even need a small amount for a single day’s expenditure before his salary gets credited, and these payday loans are the best way to arrange for that kind of short term finance. As far as the repayment is concerned, the borrower need only submit a post dated cheque to the lender at the time of loan approval. The cheque will get electronically credited on the pre-determined date, which is the date on which the borrower’s next salary cheque gets credited to his account. In this manner, an individual can easily get instant access to ready cash through payday loans and even repay the loan without having to actually step out form the comfort and security of his home or office. Hence, immediate, short term financial needs can be met without any delay with simply a click of the mouse.

You are stuck! You are looking for gardening gifts for a gardener but you know they already have a garden full of plants, and a shed full of tools, so what would they really appreciate? We are keen gardeners ourselves and we have racked our brains and come up with these ten gardening gifts (all available from UK websites) which we would love to receive ourselves.Looking for something practical and surprisingly inexpensive? – What about a garden tidy cart (available from The Able Gardener). Ideal for tidying the garden, it holds the refuse bag upright and has eight pockets for tools, twine and other things you find you have always forgotten once you have got down the bottom of the garden. When you have finished you can fold it up for easy storage.We love our tools but a copper castor trowel would make ordinary garden chores a real pleasure. This trowel was recently described by Bob Flowerdew of BBC Gardener’s Question Time as “absolutely 1000 times better than any other trowel on the market”. The edge of the trowel is hard and sharp which makes digging holes in hard ground a pleasure. This trowel is one of the beautiful range of copper garden tools available from Implementations.Looking for an environmentally friendly gardening gift? Then how about a paper potter which enables gardeners to make their own seed pots out of newspaper? Gardeners can never have enough pots especially when it comes to potting out time! This super award-winning gift is available from the Urban Garden.Another gift we really loved was a ladybird tower from Crocus. Brilliant for wildlife lovers or anyone with kids the ladybird tower is made of softwood drilled with a hundred holes giving access to an insulated inner chamber. This provides them with safe accommodation for hibernating, eating and breeding. The ends are made of hardwood and you can even remove the top to have a peek at your ladybird friends.And for the organic gardener we found a lovely monthly reminder calendar which provides timely reminders about all the jobs which need to be done if you want to grow healthy organic fruit and vegetables. There is even room to add your own personal notes. It is available from The Organic Gardening Catalogue.Or for those dark winter evenings we would heartily recommend the Geoff Hamilton DVD collection. If you are not a gardener you may not have heard of Geoff Hamilton but he was the longest-serving presenter of BBC Gardener’s World and is fondly remembered by all gardeners as a real gardening legend. The DVD collection includes 3 complete TV series and is hugely entertaining and inspirational as well as providing lots of practical advice.But if the gardener in your life would prefer to spend their winter evenings with a highly entertaining gardening book then we are sure they would thoroughly enjoy “Cuttings” by Christopher Lloyd. It is a thoroughly enjoyable and illuminating read by the most inspiring plantsman of our time.And so gardeners can stop worrying about the unkind weather ruining their young plants why not buy them a weather forecaster station (available from The Weather Shop). This monitors barometric pressure, indoor and outdoor temperatures, minimum and maximum temperatures and humidity. These are all displayed on an easy-to-read monitor. Maybe you are looking for something just a little indulgent? Then how about a “Sloe Gin” gardeners gift box from The Gluttonous Gardener. This unique gift combines a bottle of Plymouth Sloe Gin with three young sloe bushes for future indulgences! Recipes and full instructions are included in the gift box.Our final choice will be an absolute thrill for anyone who loves visiting gardens. The National Trust day out gift pack available from Virgin Experiences provides an admission pass for two people to visit as many participating National Trust properties as they wish within one month. Included with the gift is a choice of National Trust guidebook, a map guide and some vouchers.

A positive workplace culture is enormously beneficial for both employers and employees alike.

For the employee, a positive environment at work is less likely to result in stress, sick days, and professional conflict. Equally, for employers, fostering a positive workplace culture means that the overall wellbeing of employees is higher — meaning higher retention levels, attracting the best professional talent, and a thriving business in which everyone is committed to growth and results.

But what does having a positive workplace culture mean, and how do you create one? Well, a positive workplace culture usually refers to a place of work in which there is minimal conflict, high levels of professionalism, a good work-life balance, and an opportunity to always be heard and included. It can also include opportunities to develop and improve professionally.

Below, we explore five simple but effective ways that you can create a positive workplace culture in your business.

Create And Maintain An Open Dialogue
When researching why employees switch jobs or resign, several studies have found that it was due to feeling ignored, excluded, or ‘not heard’ in the workplace.

A great way to avoid this is to create and foster an atmosphere of open dialogue — meaning employees have regular opportunities to raise concerns, give feedback, and be heard by those in charge.

This can take the form of regular meetings (whether as groups or individuals) to give feedback, or perhaps a more anonymous digital approach could be used, where individuals can raise their worries or concerns without feeling exposed.

A multi-faceted approach is usually best, as is targeting feedback on key areas and issues rather than being too open-ended. Allow your employees to give their feedback and input, then implement changes and the best ideas accordingly.

Remember that an engaged workforce feels valued and significant, and is far more likely to work effectively and remain loyal to a company.

Encourage Collaboration
A workplace culture that encourages cooperation, community, and collaboration is far more likely to thrive. Whether for specific tasks or projects, or as a general approach, ensure that there are multiple opportunities for collaboration within the team.

This also extends higher up the chain of command. Be sure to share your goals and targets with your team and encourage suggestions on how best to meet them. Then assign teams or individuals to the ideas that they have suggested. A feeling of ‘personal investment’ in an idea can often help to make it a success.

Collaboration within a workplace culture also encourages good communication and strong interpersonal skills.

Maintain Transparency
While it is important to remain professional and lead by a good example, this should not be at the expense of transparency. If there are areas of concern or importance, be sure to share them with your team at opportune moments so that they always feel ‘in the loop’.

Maintaining transparency and sharing information is not only courteous, but it also helps team members to feel valued and included. Their input may also give valuable insights into your business processes.

Consult A Professional
It can be easy to feel overwhelmed when striving to create a positive workplace culture from scratch. But you don’t have to go it alone! It can be a great investment in your business to consult a professional — such as an employment lawyer or HR expert — to advise early in the process.

That way, you are not only setting up a visible positive workplace culture, but it is reflected in your policies, protocols, and legal documents too.

Consulting a professional can also be a great way to ensure that your company always stays abreast of the current optimal business practices and any recent developments in employment law.

Strive For Inclusivity
One of the best ways to create and maintain a positive workplace culture is to keep inclusivity at the heart of everything you do. How can you make others feel valued and included? Who might feel excluded, and how can you address this?

Seek input on these topics and strive to address the concerns raised. This includes areas such as minority groups, or those with disabilities, but should extend to all forms of inclusivity and diversity.