Category: News
How to Get a Short Term Loan With Bad Credit
You work hard for the money, so make that money work hard for you. Businesses often fall short on capital and need a boost. That’s where short term business loans come into play.
Short Term Business Loans Defined
Need a quick infusion of cash for your business? You’re not alone. The National Small Business Association conducted a study that reveals not having enough working capital can make or break a small business. These quick turnaround loans give businesses the ability to borrow fast cash for emergencies, cash flow problems or business opportunities. Best of all, they’re paid off quickly, which means business owners can focus less on managing heavy loads of debt and more on growing their thriving business.
Pros and Cons
As their name implies, these loans come with short repayment terms. That’s a double-edged sword for many business owners. Depending on the type of loan, you may find yourself making daily or weekly payments, which could be tricky if you’re having a cash flow problem. On the upside, the cost of accessing this working capital is generally less than if you go with a more traditional loan option. Other pros and cons include:
- Pro: Even if your personal credit is less than stellar, you’ll still likely qualify
- Con: Payments are typically higher and more frequent than traditional loan options
- Pro:Pro: There isn’t a ton of paperwork, and you can use the funds for many different business goals
Loan Options
Like everything else in the financial world, short term business loans aren’t a a one-size fits all type deal. Luckily, there are four main types of loans to choose from, which makes it more likely you’ll find an option that works for you. Types of loans include the following:
- Merchant cash advances, which are kind of like a “Back to the Future” type option. They provide easy access to business funding by allowing lenders to buy your credit card sales. This forward-looking loan option gets repaid from your point of sale (POS) system, delivering a percentage of your daily sales right to the lender.
- Business lines of credit work similarly to a credit card. You get a credit limit that you can use when you need to and repay over time. It typically gives you more favorable interest rates than credit cards and you only pay interest on what you spend.
- Invoice financing is a short term solution for that stagnant cash flow caused by invoices that remain unpaid. Lenders give you a percentage (typically up to 90 percent) of the outstanding invoices’ worth. Those invoices are used like collateral. Lenders take a percentage once they’re paid.
- Short-term loans work much like regular loans. You get a set amount of money to pay off according to a set payment schedule. Unlike traditional term loans, these loans are paid quickly, typically with daily or weekly payments to the lender — easy, peasy.
No matter what type of loan you’re considering, make sure you do your homework before signing on the dotted line. Check rates with a couple of different lenders and consider the factors most important to you (low rates, fast access, repayment terms) to choose the business loans that’ll give you the cash infusion you need without raking you over the coals later.
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How Does Losing a Parent Affect a Child Emotionally
Losing a loved one can be a painful and difficult time for family and friends. While it’s both necessary and natural to grieve, you’ll need to start making arrangements to lay your departed loved one to rest. For most people, this can be overwhelming given they are still grieving and coming to terms with their loss. Luckily, if you live in Calimesa, Ca, there are numerous funeral services with affordable packages that can take care of everything, whether you want a standard burial or cremation. Whether you are arranging for your deceased loved one cremation or you are pre-planning yours, here are a few tips for selecting the best Calimesa cremation company for you.
1. Choose a company that fits within your budget
The right cremation company doesn’t need to empty your bank account: In case you haven’t worked with a cremation company before, the average cremation cost will vary depending on which type of services you opt for. Cremation companies in Calimesa Ca offer amazing packages at reasonable, competitive prices. They are much cheaper than traditional burial that cost between $8,000 to $15,000.
2. Keep it simple
One of the main reasons why people choose cremation over standard burial besides religious beliefs and cost is that it’s a simple and more dignified way to bid farewell your loved one. So choose a company that simplifies the entire process as you don’t want to add stress to your grief. If you don’t want a memorial service, you can just keep the remains in the urn or spread them wherever and whenever you like.
3. Find a cremation company that can handle the details:
Dealing with the loss of a loved one is a very sensitive time, so it’s a great idea to find a cremation company that will at least handle all the paperwork. This will allow you to focus your energy to other important things.
4. Find a company that cares
It is very important that you choose a company that will work with you through the entire process and one that has your best interests at heart.
5. Check their Reviews
You want to hire a company with a solid reputation. So, visit their website and social media platforms to see what their previous clients are talking about them. Check their ratings at your local Better Business Bureau and other agencies to check their ratings and any complaints filed against them.
If you decide on a Calimesa cremation service, we are there to help. We’ll be with you through the entire period and make this difficult time easier for you. Contact us at desertlawnfuneralhomeandmemorialpark.com. … Read the rest
Why Many Shy Away From Hearing Aids and Over-the-Counter Devices
While hearing loss is as much a part of aging for many people as are visual changes, the same men and women who wear glasses as a matter of course are reluctant to consider hearing aids. As a result, they risk becoming depressed, socially isolated and less productive. The good news is that many perceived downsides of hearing aids are a thing of the past.
UGLY AND BULKY
The reality is that many of today’s hearing aids are the size of coffee beans and are virtually invisible. Today’s sleek models can be fitted to go behind or inside your ears while giving you amazing results.
HEARING AIDS ARE ONLY FOR OLD PEOPLE
The myth is that hearing aids, walkers and nursing homes go hand in hand. However, people are starting to wear these devices in their forties these days. That’s because they are most effective when worn at the first sign of hearing loss. Hearing aids aren’t just for grandparents these days.
ONLY LOSERS WEAR HEARING AIDS
This could not be further from the truth. Consider that celebrities Pete Townshend, Eric Clapton, Jodie Foster and Bono would not continue to be performing at the top of their game without the benefit of hearing aids, and your views might change.
HEARING AID TECHNOLOGY IS ANTIQUATED
Banish forever from your mind the image of Grandpa’s screeching, ineffective hearing aids. In fact, today’s devices are packed with everything that micro-technology has to offer. With Bluetooth, you can stream music, television broadcasts, phone calls and even your doorbell right into your ears through your hearing devices. They can be customized to address your own specific hearing needs and environments, including an enhanced ability to filter out extraneous background noise. Instead of needing to make a trip to the audiologist or sending your devices to the company for adjustments, you can use your smartphone to tweak their settings. Today’s hearing aids can even be purchased in rechargeable models that eliminate the need to constantly change tiny batteries.
HEARING AIDS ARE UNAFFORDABLE
No one would argue that hearing aids are expensive. High-end models can cost several thousand dollars. However, more inexpensive models are available. You can even buy hearing aids online from this site. Furthermore, many resources exist to help people in need to fund the cost of their hearing devices. Cost should not be a barrier to getting the audiological support you need.
Now that you know the truth about modern hearing aids, isn’t it time to cast those old misconceptions aside? Streamlined, subtle, effective and customizable: these are the qualities of the hearing aids of today. Best of all, they will only get better with the constant evolution of technology.
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At spine.md, patients will learn the many ways in which they can manage their back pain. For some, a bulging disc or old sports injury, might have caused severe restrictions and limitations in their range of motion. Others, who are aging, and simply can’t move as well as they used to, will learn about the ways in which pain management can help them ensure optimal range of motion, no matter how old they get. And, those who are interested in learning about surgical solutions, will learn about the different options which Dr. Lanman, a spinal neurosurgeon, and his team, can help repair and undo years of damage to the back and spinal cord.
Types of treatment –
For those who are getting older, and can’t move as easily as they used to, age treatment therapies can help. From medication to help, to learning how to minimize muscle loss over time, there are several ways in which patients can remain active, regardless of how old they get. Pain management, different exercises, and different behavioral-based treatments, are available to help individuals who are getting older, remain active, by making smart changes in their lifestyle.
Surgical solutions can often help patients who can’t move due to a bulging disc, lower lumbar injury, cervical neck pain, or other injuries. Regardless of what type of pain you’re dealing with, the team at spine.md can offer a wide range of options, to help alleviate it. Disc replacement, disectomy, lumbar fusions, and other solutions are available, depending on the type of injury/pain patients are suffering from.
Patients will also be educated on the different types of conditions, which may be causing their pain. Spondylolisis, spinal stenosis, herniated discs, bulging discs, or other conditions, can lead to different levels of discomfort. Dr. Lanman will work with patients to find out what’s causing their pain, educate them in treatment plans, and come up with a comprehensive solution to treating their pain and discomfort.
When it comes to back pain and spinal injuries, no two cases are alike. For some, it is age related, while others are dealing with 20+ years of discomfort, due to an auto accident they were involved in when they were younger. Regardless of what condition or level of pain you’re suffering from, the team at spine.md can help devise the perfect treatment plan, to help get you back on your feet, and enjoying life to the fullest in no time.… Read the rest