Category Archives: Top 5 and Top 10

Documents Needed for a Small Business Loan

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Documents Needed for a Small Business Loan

Documents Needed for a Small Business Loan

One of the biggest challenges of small business owners is how to expand their enterprise. After all, it requires a considerable amount of capital to have a good head start. A good option therefore is to apply for a small business loan.

Loan processing can take some time. However, you can speed it up if you can already prepare the necessary documents, such as the following:

Business Plan

This plan would give your lenders an idea about your business and the direction it is heading a few years from now. They want to know if there is any chance that your business would not be able to survive later on, and you can no longer pay your debt.

A typical business plan can have as many as 20 pages. You have to cover your company profile, marketing strategies, human resources management, as well as the technical and financial aspects of your enterprise. It is also needed to have at least a five- to ten-year projection of your sales, liabilities, and assets.

Declaration of Collateral

A small business loan is often secured, which means you need to have a guarantee. For your business, you can use your assets, business equity, cash in hand and in the bank, and borrowed funds. There are also banks that accept other properties such as homes and vehicles as collaterals.

Loan Request

This document would inform the lenders on how much money you will owe, the small business loan package (if there are many to choose from) you are selecting, and your working capital. You may also have to detail how you are planning to utilize the loan. Most lenders, especially banks, would definitely want you to use the money for your business–nothing else.

Credit Rating Report

All secured loans require this one. The report would inform your lenders your capacity to pay for the small business loan. It would contain details on the debts you obtained in the past, defaults, and bankruptcy files. If you want to have a much bigger chance of getting your loan approved, make sure that your credit score does not go below 700. You can also ask for a credit rating report from any or all of the three credit bureaus: Trans Union, Experian, and Equifax.

There are also other documents that could be asked of you, so make sure that you can contact your lender first for the list of requirements. Missing out on at least one of them may prolong the procedure or, worse, cause your application to be rejected.

The Most Creative and Eye-Catching Stickers for your Macbook

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Source: etsy.com via Lauren on Pinterest

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Source: walltowatch.com via Eva on Pinterest

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Source: etsy.com via Perry on Pinterest

Source: etsy.com via Perry on Pinterest

Source: etsy.com via Perry on Pinterest

Source: etsy.com via Perry on Pinterest

Source: etsy.com via Perry on Pinterest

Source: etsy.com via Perry on Pinterest

Source: etsy.com via Perry on Pinterest

Source: etsy.com via Perry on Pinterest

Source: etsy.com via Perry on Pinterest

Source: etsy.com via Perry on Pinterest

Source: etsy.com via Perry on Pinterest

Source: etsy.com via Perry on Pinterest

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7 Great Reasons Why You Should Work in France

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Eiffel Tower Paris France at night (Eiffel Tower at night – click to view large photo)

Are you looking for a job? You don’t have to limit your choices to your state or country. You may want to take a look at the opportunities available in other places, such as France.

There are several reasons why France may just be today’s ultimate jobseekers’ haven. Here are some of them:

  1. Majority of the benefits are mandated by law.
    Regardless of whether you are working for a large or small company, you can expect to receive your benefits — and there are tons of them. These include your insurance and savings plan, vacation and sick leaves, and even your travel. Moreover, a lot of these benefits are applicable to all types of employees.

  2. Social relationships are given more importance.
    Isn’t it awful when you are trapped in an office with colleagues who do not speak to you? In France, it is considered normal and professional if you go around tables, talking and shaking hands with your fellow employees. You can even approach your boss without making an appointment and talk just about anything.

  3. They have better working schedules.
    While you need to be up before 8 a.m. in the United States, you have an extra hour of sleep in France. In the Hexagone Country, most employees report to work between 9 and 10 in the morning. Furthermore, everyone is entitled to enjoy their one-hour lunch break, which could mean getting some fresh sandwiches and black coffee in the al fresco cafes. All throughout the week, you are required to work for just 35 hours. If the company decides to extend your working schedule, the management is compelled to give you extra paid leaves.

    In France, you are also not required to work on Sundays. The law mandates that businesses (except for those offering essential products and services such as food centers, hospitals, and the armed forces) should be closed on that weekend. There are also some companies that take time off during weekdays, such as Monday.

  4. Your health insurance is covered.
    True, you get deducted for “taxes,” but the exchange is worth it. In France, your health insurance is fully covered. It does not matter if you are opting for a major surgery or not. Everything is being paid for by the government.

  5. There are plenty of jobs available.
    As long as you have a working permit, you can take different types of jobs while in France. There are casual or seasonal employments. You can ask help from the Centre d’Information et de Documentation Jeunesse if you need assistance finding a job. This agency provides both work and education, especially to the younger applicants.

  6. There are so many things to love about France.
    This is one of the most visited countries in the world. They have the finest set of food and wine, they have a truly majestic countryside, and their economy is stable. They are also geographically and culturally diverse.

  7. French prefer a more laid-back atmosphere.
    It seems like time moves so slowly in France. They love to chat, dine, and go out with friends. As much as possible, they want to take their jobs easy. You can deal with your work a lot better if the world around you is more stress-free.

How to Get an Employment as a Travel Nurse

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travel-nurse 

Why should you become a travel nurse? This type of nursing work gives you more freedom, especially on the places you want to work. Some travel nurses are onboard cruise ships, while others are assigned to other countries. Most travel nurses have the opportunity to work in different health care facilities, making their working experiences more comprehensive. Most of all, you can earn as much as 15 percent more than in-house nurses.

But how do you become one? There are certain requirements you should fulfill, like the following:

  1. You need to have proper education.
    You need to have a thorough background in clinical practice before you can become a travel nurse. Make sure you are a nursing graduate (of course) and duly licensed to practice.

  2. Get a certification.
    You should also be a certified nurse. Nurses do take their state examinations. You can ask the steps on how to take the exam and even pass it from your state board committee. There are also plenty of reviewing materials available in the World Wide Web to help you out.

  3. Practice in-house nursing.
    You will have greater chances of being accepted as a travel nurse if you already have some experience in nursing. At the very least, spend 12 to 18 months in a health care facility.

  4. Look for an agency.
    Some travel nurses work freelance. This means they scour for opportunities in different states, especially in California and Florida, as well as in other countries like Canada. However, it is much safer and more stable for you if you apply through an agency.

    The agency will be the one to take care of all your needs. They have a database of companies, hospitals, and clinics that may be in need of your services. They will also arrange for your transportation, accommodation, and even food. Moreover, some of them pay high. You can earn more than 10 percent compared to working as an in-house nurse. The agency can also take care of legal requirements such as your license to practice in the state or country.

  5. Talk to your agency.
    You may have some preferences as to the job and location of your assignment. A lot of them are understanding enough to meet your needs. All you have to do is to talk to them.

  6. Be ready for the job.
    Being a travel nurse is fun, but it can also be very challenging. You have to tackle different demands from various workplaces. Traveling may sometimes be tiresome. Usually, a travel nurse gets to work for approximately 4 to 20 weeks, depending on the requirements of the facility. When your contract expires, you have to move to another workplace (unless the management still wants your services and extends your contract).

Google’s Top 5 Benefits for Business Owners

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business card template

The mega search engine Google is used not only by Internet searchers but also by business owners. In fact, it serves millions of advertisers and enterprises all over the world every day. The secret: it is business friendly. Here are the top five benefits of Google for business owners:

  1. Ease of Use of Applications
    Virtually all business owners do not have to build anything from scratch. The applications do not require additional use of hardware or creation of another program. However, developers can modify the codes through the developer tools and resources available at http://code.google.com/intl/en/.

    The website also promotes “one account for all applications.” Upon signing, the business owner can immediately take advantage of all the tools and resources developed by Google employees themselves. Users of Lotus Notes and Microsoft Exchange can switch to Google Applications in very simple steps.

  2. Desktop on the Go
    Google encourages everyone to be as mobile as possible. Thus, it is easier to build network connections, stay in contact with employees even when on the road, and promote telecommuting that reduces business overhead costs.

    The website has applications that are very similar to those found in desktops. An example is Google Docs, which works like Microsoft Word. Other applications include Google Spreadsheet and Google Calendar.

    Plenty of tools can also be accessible through the mobile phone. Gmail, its e-mail client, can be synced in with Blackberry’s Enterprise Server and accessed through any type of Internet-capable mobile phones.

  3. Collaboration
    Google promotes collaboration among employees, business owners, and partners. Business owners can set up and share scheduled meetings and appointments, as well as documents and spreadsheets, via Google Calendar, Docs, and Spreadsheet respectively. Google Groups permit everyone to communicate more openly and upload public files such as documents and images.

    One can purchase a business account for $50 per year and make use of 10GB site storage. All chosen employees can have 500MB. There is also a shared storage for more private videos in Google Video. Google Talk allows video conferencing.

  4. Marketing
    Google provides several money-making opportunities for business owners. Google AdSense allows them to monetize their blogs while Google Adwords permits one to bring the business to the search results pages, while the keyword suggestion tool helps business owners find the best keywords to use.

    Google Analytics, one of the best search engine optimization (SEO) tools so far, is free to use and can be added into any website. This can provide valuable marketing information such as number of unique visitors, pages visited, and keywords used for searching. Business ads can be customized based on the desired geographical location. It also encourages local listing.

    The search engine has Google Finance that allows any stockholder to monitor the market on a real-time basis. It has applications such as Portfolios, Stock Screener, and Google Domestic Trends.

  5. Uptime
    Virtually all applications of Google are available 24 hours a day, 7 days a week. The website also has plenty of contact details, from e-mail addresses to phone numbers, for anyone who needs additional technical and customer support.

The 10 Affordable Sports Cars You Can Enjoy Grandly at a Modest Cost

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While the term ‘sports car’ usually brings about images of a flashy Ferrari Enzo or a luxurious Lamborghini Gallardo, the same term is also almost synonymous to price tags bearing figures that the average Joe cannot imagine getting on his day job. Almost–because if you are a sports car enthusiast who is in the market for an affordable sports car, you can actually get powerful ones at a lesser cost. In this list are ten sports cars with awesome performance at a great price value.

1. The quick and agile Mazda MX-5 Miata is a good sports car to consider. It is great on gas, has good handling, and impressive build quality. One of the pluses of owning this is its long-term value.
Starting MSRP: $23,560

Mazda MX-5 Miata

2. Another sports car to consider is the Ford Mustang Coupe. It has V6 210 horsepower, bigger tires, and fog lit grilles.
Starting MSRP: $22,145

Ford Mustang Coupe

3. If you want the lightweight version of the Ford Mustang Coupe, the Pontiac Solstice would be good for you. It is cheaper, has 177 horsepower, and it has good handling and response.
Starting MSRP: $24,000

Pontiac Solstice

4. When it comes to sturdy value, the 2010 Hyundai Genesis Coupe fits right in with its rear-wheel drive sports car abilities. It is comparable to the Infiniti G37 but costs significantly less. It may lag a bit in terms of sports performance but as a whole, it is a great package.
Starting MSRP: $22,000

Hyundai Genesis Coupe

5. If Mazda MX-5 Miata made it to this list, so should the snazzy Nissan 370Z. It is a stylish sports car that is fast, has incredibly good looks, and an interior cabin that spells out quality. It offers power and utmost capability at an affordable price.
Starting MSRP: $30,410

6. The Toyota Solara Convertible is another good addition to the list. It is a sleek four-seater, with a curvy tail. It also has a neat interior and a dual color scheme option.
Starting MSRP: $20,180

7. You can also check out the gas-saving Chevy Cobalt 2005 series that has also been receiving critical acclaim. It has a low weight to horsepower ratio, summing up to better acceleration; clear versatility at a modest price.
2005 Starting MSRP: $13,625

8. Another Mazda made its way to the list: the RX-8. The Mazda RX-8 (sport-type model) is a cheaper alternative to Ferraris and Porsches. Its impressive profile includes rear opening doors that resemble swinging Ferrari doors and an engine with 9000 rpms/238 HP. Its body has great curves and a sturdy overfenders—a sumptuous combination of power and good looks, not bad for a price of under $28,000.
Starting MSRP: $27,245

Mazda RX-8

9. Gliding along is the BMW Z4, inheriting some style from the 7-Series. It offers almost the same fun experience as the more expensive 6-series to the driver.
Starting MSRP: $46,000

BMW Z4

10. And last but not least is the Mitsubishi Eclipse, which would please anyone who’d rather go for the tamer look, instead of the usual aggressive-looking sports car models.
Starting MSRP: $20,699

2010 Mitsubishi Eclipse

Yes, you can definitely enjoy affordable sports cars having comparable horsepower, comfort, audio options, traction, and style as McLarens and Shelbys, without making a huge dent on your bank account.

NOTE: All prices indicated are for 2010 – 2011 models (unless otherwise stated).

5 Rules of Effective Blogging

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blog 101 There are a lot of reasons why you should blog. Topping the list is the ability to earn income out of it through product reviews, text link advertising, and Google AdSense. Depending on your knowledge on the subject, you can be tapped as one of the resource persons. A lot of bloggers become motivational speakers and even authors of high-selling books.

These people who find success in blogging are one of a kind, since most will just vanish into oblivion. The former are those who have followed the basic yet effective rules of blogging, which are the following:

  1. Focus on content
    Some readers will not really mind the layout of your blog, provided that you can provide them with content. Now, it is important that you know what this content means. It means substantial, accurate, and fresh information. Do not steal other people’s work. If you cannot avoid quoting them, make sure that you can add some references. Research newer data. You want them to keep coming back to your blog because they always learn something that is totally unheard of or seldom discussed.

    If you do not know where to look for them or you want to be more inspired, you can read blogs and websites from mentors or experts in the field. You can also read magazines, books, and journals. You can just let your imagination and inquisitiveness come up with a new topic to talk about.

  2. Avoid “read more”
    As much as possible, you should avoid letting them read more of the blog post by clicking on “read more.” You have to remember that your readers do not really like to follow a lot of commands when they visit your blog. It is like getting invited into someone else’s home. You do not like to be instructed on what you should do, do you? You want to create a more succinct blog post for your audience.

  3. Put them in the right categories
    Classify all your entries, even the most personal ones. Not all readers will be interested in knowing about your travels but may want to read what your take is on search engine optimization. It does not matter if a single post will belong to several categories. The most important thing is you can add some sense of organization into your blog.

  4. Diversify your blog
    Even the most famous bloggers in the world are fond of adding pictures, videos, and podcasts into their blog. They let a web designer (or sometimes themselves) spend time developing the most effective and niche-related layout. They produce buttons and icons that readers can use and attach to their own blogs and websites. They provide great downloadable resources such as e-books, reports, and software. They also share links from websites whose information, they think, will be truly helpful to their readers.

  5. Stick to the rules
    Besides keeping in mind the above-mentioned tips, you also need to remember the rules that have been set by search engines such as Google. Your efforts will be in vain if your blog is penalized or worse, banned from these websites. This means that you should avoid keyword spamming. Avoid linking in websites that are actually link farms. Stay away from black hat techniques.

Top 7 Places Your Children Should Visit in Disneyland

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Grownups pretty much have the say in what to do and where to go at Disney, but it would mean putting up with whines or tantrums if your kid has something else in mind. What are the things that kids must not miss in Disney World?

walt disney fireworks   walt disney parade(The fireworks and the parade)

  1. In Magic Kingdom Park, the fireworks display over Cinderella’s Castle is must-see. Preschoolers would love Dumbo, the Flying Elephant, It’s a Small World, and Mickey’s PhilharMagic. They could experience Cinderella’s Golden Carrousel and Cinderellabration there too. Of course, the traditional 3 o’clock parade must not be missed, so better find a good curbside location.

    walt disney Turtle Talk with Crush                                          (Turtle Talk with Crush)

  2. Bring your tots to Turtle Talk with Crush, or bring them to the Kidcot Fun Stops. Characters on Holiday will surely appeal to their taste or better yet, try the Journey into Imagination by Figment. 

    Beauty and the Beast-Live on Stage 
                                      (Beauty and the Beast-Live on Stage)

  3. In Disney-MGM Studios, kids will love the “Playhouse Disney-Live on Stage!”, “Beauty and the Beast-Live on Stage,” and “Voyage of the Little Mermaid.”

    Festival of the Lion King                                        (Festival of the Lion King)

  4. Kilimanjaro Safaris in Disney’s Animal Kingdom will bring the wonder of African savannah right in Florida for the kids and adults to explore. Aside from this African-inspired adventure, Disney also features the “Festival of the Lion King.” It is said to be the most colorful pageantry at Disney Park that will delight young and old alike.

    Illuminations Reflections of Earth                                 (Illuminations: Reflections of Earth.)

  5. In Epcot, there is a nightly fireworks display called “Illuminations: Reflections of Earth.” It is the day’s “final act” at closing time.
  6. Pony rides are available at the Petting Farm. Children from ages 2 and up can enjoy these, as long as they weigh up to 80 lbs.

    Wonderland Tea Party
                                     (Disney’s Wonderland Tea Party)

  7. Wonderland Tea Party shouldn’t be missed especially by young girls because characters from “Alice in Wonderland” will tell a story, eat lunch or have “tea” with them. If your kids are not into it, maybe My Disney Girls Perfectly Princess Tea Party will be. Here, girls are encouraged to dress up in their favorite princess get-up. They also get a chance to meet Princess Aurora from “Sleeping Beauty.”

Children will love the different activities in Disney World. To make sure nothing is going to be missed, do ask your kids to help you list the places to go and help you plan the trip. Don’t forget to wear comfortable shoes and bring with you your guide maps—map out your itinerary so you won’t miss an attraction.

Disney World has all kinds of fun for the kids and the kids-at-heart, and new attractions are added from time to time. A trip to Disney World will be a great bonding (and did I mention fun?) time for you and your little ones.

Enjoy!