Fleet Management News – Business Info, Commercial Carrier Journal, business names available.#Business

No magic bullet for trailer aerodynamics

Business names available

Trucking in aerospace: fleets look beyond compliance to increase safety

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Did we just get our first unauthorized look at Tesla s semi?

EPA formally proposes repeal of Obama-era glider kit emissions regulations

Plan for trucks-only tolls in Rhode Island delayed into 2018

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BLOGS

Jason Cannon

No magic bullet for trailer aerodynamics

Aaron Huff

Trucking in aerospace: fleets look beyond compliance to increase safety

Jason Cannon

Did we just get our first unauthorized look at Tesla s semi?

Jason Cannon

Letting the bully have your milk money and taking a beating for the privilege

Business names available

Michigan State Police begin roadside drug testing pilot program

Business names available

Several fleets announce pay scale changes for drivers

Business names available

Montana-based fleet set to begin U.S. Capitol Christmas Tree tour

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Texas Congressman asks Trump to delay ELD mandate via Executive Order

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Next-generation truck OEMs look to build a footprint through partnerships

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IronPlanet and Ritchie Bros. join forces to lead the asset disposition industry

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Spireon adds ELD option to FleetLocate platform

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Cargo thefts up in third quarter

Registration opens for TMC annual meeting

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Freightliner adds 60-inch raised roof sleeper option to Cascadia

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Knight-Swift earnings tumble in first quarterly report due to merger-associated fees

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FMCSA nom Martinez clears first confirmation nod in Senate

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New truck OEMs working to carve out their niche

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Ryder exec Scott Perry bolts to hydrogen-electric truck maker Nikola

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Must Clicks

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Indicators: Trucking employment flat in October, shippers ‘exposed to new reality’

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Drivers seek $1.1M from carrier over classification as contractors

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EPA formally proposes repeal of Obama-era glider kit emissions regulations

Products

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XStream Trucking’s tractor-trailer gap aero device

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Fontaine’s lightweight fifth wheel assembly

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ASA Electronics Voyager SEE360 Camera System

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2002-16 Sprinter van starters, alternators

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Double Coin/CMA RR706 tire gets three new sizes

Industry Briefs

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EBE Technologies has record 2017

TransConnect Services finalist for best place to work in Memphis

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eCapital joins Blockchain in Trucking Alliance

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STEMCO acquires brake manufacturer

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J. Grady Randolph selects Spireon for flatbed tracking





WHOIS Lookup For Domain Registration Information, Network Solutions, business names available.#Business #names

business names available

You can now start a WHOIS lookup directly in your browser!

Use the format: www.networksolutions.com/whois-search/netsol.com and you’ll come directly to our WHOIS results page. Stay tuned for more useful features coming soon to WHOIS!

What is WHOIS?

When you register a domain name, the Internet Corporation for Assigned Names and Numbers (ICANN) requires your domain name registrar to submit your personal contact information to the WHOIS database. Once your listing appears in this online domain WHOIS directory, it is publicly available to anyone who chooses to check domain names using the WHOIS search tool.

There are a variety of third parties who may check domain names in the WHOIS check database, including:

  • Individuals check domain names for expiration dates
  • Registrars check domain names when transferring ownership
  • Authorities check domain names when investigating criminal activity

As an accredited domain names registrar, Network Solutions must comply with the WHOIS database requirements set forth by ICANN. However, in an effort to ensure that customers feel comfortable with the visibility of their personal information, Network Solutions offers three options for your WHOIS database listing.

Public WHOIS Database Listing

If you’re comfortable with having your information available to the public and don’t want the extra fee associated with private domain registration Network Solutions will submit a public listing to the WHOIS lookup database. This listing will include your name, address, phone number, email address and domain name expiration date. Your website hosting IP address and host name will also be listed.

Private WHOIS Database Listing

Having your personal information made available to the public will increase your risk of becoming a victim of hackers, spammers and even data miners. To keep your contact information out of the hands of those who may use it maliciously, Network Solutions offers private domain name registration. For a small monthly fee, we’ll act as your proxy which means that anyone who does a WHOIS lookup for your domain name information will find our contact information, not yours.

Our WHOIS lookup services are designed to help you achieve convenience and peace of mind. Our exceptional customer service team is here to help guide you through the simple WHOIS setup process, while our private WHOIS database listing ensures your information is protected. You can also use our WHOIS lookup services to find out when that your domain you have your eye on is set to expire, as well as who owns it, if their information is public. Choose Network Solutions for your reliable WHOIS provider.

Network Solutions believes that its customers should ultimately decide how their contact information will be listed in the WHOIS database. When you’re ready to register a domain name, consider your WHOIS options before your personal information becomes available to the public.





WHOIS Lookup For Domain Registration Information, Network Solutions, business names available.#Business #names

business names available

You can now start a WHOIS lookup directly in your browser!

Use the format: www.networksolutions.com/whois-search/netsol.com and you’ll come directly to our WHOIS results page. Stay tuned for more useful features coming soon to WHOIS!

What is WHOIS?

When you register a domain name, the Internet Corporation for Assigned Names and Numbers (ICANN) requires your domain name registrar to submit your personal contact information to the WHOIS database. Once your listing appears in this online domain WHOIS directory, it is publicly available to anyone who chooses to check domain names using the WHOIS search tool.

There are a variety of third parties who may check domain names in the WHOIS check database, including:

  • Individuals check domain names for expiration dates
  • Registrars check domain names when transferring ownership
  • Authorities check domain names when investigating criminal activity

As an accredited domain names registrar, Network Solutions must comply with the WHOIS database requirements set forth by ICANN. However, in an effort to ensure that customers feel comfortable with the visibility of their personal information, Network Solutions offers three options for your WHOIS database listing.

Public WHOIS Database Listing

If you’re comfortable with having your information available to the public and don’t want the extra fee associated with private domain registration Network Solutions will submit a public listing to the WHOIS lookup database. This listing will include your name, address, phone number, email address and domain name expiration date. Your website hosting IP address and host name will also be listed.

Private WHOIS Database Listing

Having your personal information made available to the public will increase your risk of becoming a victim of hackers, spammers and even data miners. To keep your contact information out of the hands of those who may use it maliciously, Network Solutions offers private domain name registration. For a small monthly fee, we’ll act as your proxy which means that anyone who does a WHOIS lookup for your domain name information will find our contact information, not yours.

Our WHOIS lookup services are designed to help you achieve convenience and peace of mind. Our exceptional customer service team is here to help guide you through the simple WHOIS setup process, while our private WHOIS database listing ensures your information is protected. You can also use our WHOIS lookup services to find out when that your domain you have your eye on is set to expire, as well as who owns it, if their information is public. Choose Network Solutions for your reliable WHOIS provider.

Network Solutions believes that its customers should ultimately decide how their contact information will be listed in the WHOIS database. When you’re ready to register a domain name, consider your WHOIS options before your personal information becomes available to the public.





Пошук доменних імен, Інструмент розширеного пошуку доменних імен – GoDaddy UA, business

Почніть пошук доменного імені

Business names available

Новинка! Керуйте відомостями, що відображаються про вас в Інтернеті, за допомогою персонального домену. Забезпечено безкоштовне перенаправлення на ваші сторінки в соціальних мережах Facebook, LinkedIn і Twitter. Вам не знадобляться жодні спеціальні технічні навички.

Заощаджуйте 30% або більше в разі придбання нових доменів:

Заощаджуйте до 50% у разі придбання одного з таких доменів: .com, .net, .co, .org, .info та .biz

Які переваги можна отримати?

Чому GoDaddy?

Працівники нашої компанії є чи не найбільш кваліфікованими в цій галузі, адже ми керуємо понад 60 млн доменів. Будьте впевнені в тому, що ми допоможемо вам не лише підібрати підходящий домен, а й подбаємо про умови для його безпечного використання.

Business names available

Відшукайте домен, що відповідає вашим потребам.

Дайте належну відсіч недоброзичливцям.

На просторах Інтернету зустрічаються люди, які нечесним шляхом присвоюють домени та персональні дані інших людей. На щастя, ви можете скористатися додатковими послугами, щоб уберегти свої дані від таких зловмисників.

Захист конфіденційності
Захист бізнесу
Сертифіковані домени

Відразу після реєстрації домену за допомогою реєстратора GoDaddy чи будь-якого іншого реєстратора вашу конфіденційну інформацію буде відображено в загальнодоступному каталозі. Хакери та спамери часто використовують цей каталог для компілювання списків електронної пошти та викрадення доменів. На жаль, це дійсно правда.

Нижче наведено переваги, гарантовані в разі додавання послуги захисту конфіденційних даних.

Ваше ім’я та контактні дані буде замінено даними компанії Domains By Proxy, що є нашим партнером. Лише ми знатимемо ваше справжнє ім’я, адресу, електронну пошту та номер телефону.

Ви зберігаєте за собою право керувати доменами та всіма адресами електронної пошти, частиною яких вони є, а також право продавати, оновляти чи передавати домени. Ваші домени – це на 100% ваша власність.

Тому можете не хвилюватися про те, що хто-небудь може отримати доступ до ваших конфіденційних даних.

Уявімо, що ви забули оновити свій домен. Або що ви змінили в обліковому записі GoDaddy адресу електронної пошти. Такі дії дають будь-кому змогу без вашої на те згоди не лише отримати доступ до вашого доменного імені, а й передати його.

Послуга Захист бізнесу : подбайте про свої найважливіші домени, надавши їм захист строком на 12 місяців (або менше).

Блокування як випадкових, так і навмисних передавань доменів

Забезпечення захисту ваших конфіденційних даних від шпигунів і шахраїв

Публікування в Інтернеті вашої візитної картки для того, щоб клієнти та партнери могли з вами зв’язатися

Через фішинг, переспрямовування та інші види шахрайства, список яких є досить довгим, настороженість відвідувачів Інтернету зростає з кожним днем. Проте існує спосіб, за допомогою якого ви зможете повідомити всіх користувачів Інтернету про те, що вам можна довіряти. Мова йде про відображення на вашому веб-сайті печатки сертифікованого домену. Ознайомтеся із зразком.

Печатка сертифікованого домену вказує на те, що ви успішно завершили процедуру перевірки від GoDaddy та є законним власником домену. Печатка – це дійсно беззаперечний доказ законної діяльності, адже жодний спамер не зміг би пройти перевірку.

Сертифіковані домени не включають кодування даних і транзакцій сайту. Перегляньте сертифікати SSL

Ви запитуєте – ми відповідаємо

Що таке доменне ім’я?

Наявність веб-сайту – це можливість вести бізнес за кордоном. Якщо веб-адресу, також відому як доменне ім’я , важко запам’ятати, клієнти можуть витратити багато часу на пошук вашого веб-сайту або навіть не намагатися його шукати.

Шукати підходяще доменне ім’я так само легко, як перевіряти домени на сайті GoDaddy. Достатньо ввести в поле, розташоване у верхній частині цієї сторінки, потрібне доменне ім’я – і ми повідомимо, чи такий домен доступний для реєстрації.

Проте сфера діяльності GoDaddy пов’язана не лише з доменними іменами. Наша компанія надає будь-які послуги для ведення діяльності в Інтернеті. На GoDaddy можна покластися завжди – від етапу створення веб-сайту до залучення нових клієнтів і надання захисту даним клієнтів тоді, коли вони здійснюють покупку.

Як здійснювати пошук доменних імен?

Доменне ім’я – це найкращий спосіб надання інформації про свою діяльність в Інтернеті, тому пошук доменного імені є дуже важливим і відповідальним завданням.

Нам достатньо кількох секунд часу, щоб повідомити про наявність чи відсутність потрібного доменного імені. Ми пропонуємо домени, які інколи навіть не спадають на думку нашим клієнтам, – від стандартних доменів, як-от .com і .net, до таких нових доменів, як .club, .guru тощо.





What kinds of government loans are available to homebuyers? #small #business #banking

#government loans

#

Mortgage Basics FAQ

4. What kinds of government loans are available to homebuyers?

Several federal, state, and local government financing programs are available to homebuyers. The two main federal programs are:

FHA loans. The Federal Housing Administration (FHA), an agency of the Department of Housing and Urban Development (HUD), offers insurance backing to loans made to U.S. citizens, permanent residents, and noncitizens with work permits who meet financial qualification rules. Under its most popular program, if the buyer defaults and the lender forecloses, the FHA pays 100% of the amount insured. This loan insurance lets qualified people buy affordable houses. The major attraction of an FHA-insured loan is that people with passable credit scores can put down as little as 3.5%. Another plus is that, unlike with conventional loans, FHA-backed loans allow the entire down payment and costs costs to come from a gift (perhaps from family). The downside is that FHA loans have a maximum loan limit that varies depending on the average cost of housing in a given region. (Find out FHA’s loan limits at www.fha.com by clicking on “2014 FHA Limits.”) Also, you’ll have to pay MIP (mortgage insurance premium) as part of an FHA loan. For more information on FHA loan programs, contact a regional office of HUD or check the FHA website at www.hud.gov .

VA loans. U.S. Department of Veterans Affairs (VA) loans are available to men and women who are now in the military and to veterans with honorable discharges who meet specific eligibility rules relating to length of service, credit history, and recent employment, as well as eligible surviving spouses. The VA doesn’t make mortgage loans, but guarantees part of the house loan you get from a bank, savings and loan, or other private lender. If you default, the VA pays the lender the amount guaranteed and you, in turn, will owe the VA. This guarantee makes it easier for veterans to get favorable loan terms with low or no down payment and no PMI (private mortgage insurance). (Conventional mortgages have PMI and FHA loans have MIP.) For more information, check www.va.gov or contact a regional VA office for advice.

Other government loan programs. For information on other government loans, contact your state and local housing offices. They often have programs available for first-time homebuyers who are purchasing modestly priced properties. To find your state housing office, check the State and Local Government on the Net Directory at http://statelocalgov.net. Or go to your state’s home page, where you may find the listing for your state’s housing office.

  • What is private mortgage insurance (PMI)?
  • Does it make sense to pay more points for a lower interest rate?

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Are there any government loans available? #cheap #business #insurance

#government small business loans

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Mr Mark Brennan commenced in his role as the Australian Small Business Commissioner on 2 January 2013.

Dr Craig Latham commenced in his role as Deputy Small Business Commissioner on 21 May 2013.

The role of the Australian Small Business Commissioner is to represent small business interests and concerns to the Australian Government.

There are Small Business Commissioners in Victoria, New South Wales, Western Australia and South Australia.

If you are in a business dispute, Dispute Support can assist you to find the right dispute resolution service

A good understanding of your dispute will help you to make informed decisions about the best way to try to resolve the dispute.

Tips from the Australian Small Business Commissioner to help you build strong business relationships and avoid disputes

Find out about dispute resolution services available in your state or territory.

There are publications available to assist you to understand, manage and prevent disputes.

It is difficult to know where to begin when starting your own business. It’s important to consider whether you really understand what’s involved and that you are aware of your tax and legal obligations.

Are you are thinking about expanding your business? Here are some suggestions that could help you grow your business.

Once you decide to sell or pass on your business, you need to consider how much your business is worth, the best time to sell and whether you should make use of a broker or other professionals to maximise selling opportunities.

There are resources available to assist you with starting and growing your business.

The family business sector accounts for 70% of all businesses in Australia.

Family Business Australia’s top ten tips for surviving a family business.

Family Business Australia’s best practice principles for family business.

Read case studies from family businesses.

Find out about upcoming events and training tailored for family businesses

Find answers to the most frequently asked questions about starting, growing and exiting a business.

Planning should always be the first step in developing a business.

Checklists that contain a series of questions to guide you through the various stages of setting up your business including before you start, when you start, when you buy and when you run your business.

Links to help guide your business.

View news articles from the Australian Small Business Commissioner.

Find out about upcoming small business events that Commissioner and his Office are involved in.

Keep up to date with the Commissioner’s newsletter.

View submissions and reports by the Office of the Australian Small Business Commissioner

The latest small business news from across the Australian Government, including ACCC, ASIC, ATO and business.gov.au

View blog posts from the Australian Small Business Commissioner.

View series of related blog posts.

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Are there any government loans available?

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Grants for starting a business: What small business grants are available?: Starting

#loans for starting a business

#

Grants for starting a business: What small business grants are available?

If you’re a small business owner or thinking of starting a business, finance is probably your biggest concern. You may be wondering if there is any funding available for start-ups.

The simple answer is yes, but getting your hands on it can be a complicated and rather stressful process. There are countless schemes, each with their own set of criteria, which you can apply for when you’re on the verge of starting a business.

Action point: Need a loan to start a business of your own? See how we can help here and here

Start-up funding is out there to be claimed, yet every year we receive stories of piles of cash sitting in accounts and not being invested. It’s not because you don’t need the cash, but it’s because navigating through the grants jungle can leave you wishing you were still employed.

Types of business support

All publicly funded schemes are designed to encourage new and growing businesses, to bring wealth and ultimately create jobs. To help achieve this the government makes available a portion of taxpayers’ money to help and encourage enterprise through small business grants.

This cash gets distributed through a variety of ministries, departments, agencies and quangos on a national and local basis. Most businesses are eligible at any one time to apply for a number of different business start-up grants and support schemes which are distributed in a wide variety of forms.
s
Government grant resource the business finance support finder is a great tool to help those starting a business find relevant funding to suit their needs and you are able to customise your search by your business location, size, and type of business activity.

Want to read more on grants?

Government business grants available

Direct grant

This is a cash award, which is usually given out for activities such as training, employment, export development, recruitment and capital investment projects. With a direct grant most schemes usually require the company involved to put up around 50% of the cost.

The government s ‘business finance support finder’ directory has over 300 direct grants agencies listed such as UK business “innovation” organisation the Technology Strategy Board. The directory also features various local grants providers which are facilitated by the government’s £3.2bn Regional Growth Fund. such as Catalyst for Growth which has direct grants of £5,000 to £500,000 available for chemical start-ups launching in the North West of England.

Soft loan

A soft loan is a special type of grant where the terms and conditions of repayment are more generous (or softer) than they would be under normal financial circumstances. So, for example, the interest rates may be less, or there may be no interest to pay at all, and the repayment terms could also be for a longer period.

There are hundreds of organisations that offer soft loans and guarantees but the most notable is government-funded scheme Start Up Loans which offers new businesses loans of up to £25,000 for 6% interest with a 12 month repayment “holiday”. To date it has helped to fund over 10,000 start-ups with over £50m invested. You can find out more about the Start Up Loans scheme here. (If you need a higher value business loan, fill out our business loans form and we may be able to put you in touch with the right people).

If you’re starting a social enterprise or charity there are organisations such as Big Issue Invest. the investment arm of the Big Issue, which has soft loans from £50,000 to £1m available for positive impact, socially-driven entrepreneurs and also operates ‘participation loans’ where repayment is linked to future performance of the enterprise.

For young entrepreneurs aged between 18-30, The Prince s Trust provides soft loans of up to £4,000, as well as support for your business idea, with interest capped at 3% and repayments spread over a period of two to five years.

Equity finance

With equity finance a capital sum is injected into the business and the provider of the funds takes an equity share of the enterprise. When the value of the firm increases the stake can then be returned. However, unlike venture capitalists, the expectations and requirements of the providers of public funds are usually less demanding.

It is also worth noting the government Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) which help companies raise finance by providing tax relief to investors who buy a share in your business.

Free or subsidised consultancy

Start-ups can often find themselves in the situation where they are lacking a particular set of skills and there are some specially run schemes which provide this knowledge either for free or at subsidised rates. For instance, the Welsh government runs a business support service offering free, independent advice on starting a business and operates an instant hotline for business queries.

Access to resources

As with a lack of skills, it can be the case that start-ups do not possess the physical resources or facilities they need in order to develop particular projects. In the same way there are a number of initiatives, particularly incubator and accelerator schemes, that can help overcome these concerns by providing access to publicly owned facilities. One such initiative is the department for business, innovation and skills’ (DBIS) GrowthAccelerator which provides advice and coaching to fast-growth businesses with fewer than 250 employees.

Technology and Best Practice transfer

The transfer of technological advances and new best practice initiatives can often take a long time filtering down to smaller businesses. The government has set up schemes which aim to overcome this through business support networks and there is now a number of well-established best practice initiatives such as Investors in People (IIP), which specialises in business tools and resources.

Cost sharing

When it comes to research and development, the costs involved can prevent small firms from taking part. However, by sharing the costs with other businesses, and then sharing the expertise, this problem can be avoided.

To find out more about grants for starting a business, visit our dedicated small business grants channel here .

Useful business start up tools

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Search Results – Custom Toll Free #toll #free #number #search,800 #lookup,800 #numbers


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Vanity Numbers as low as $19/month

Find your vanity number by entering a keyword or number to search available toll free numbers * Hint match your brand by entering business name, product or service.

How Will a Toll Free Vanity Number Help Me?

  • Boost Your Brand
    Just like a good domain name, a good vanity number creates instant prestige. This is probably more true of 1-800 vanity numbers because of the amount of toll free marketing that s been done by large companies over the years.
  • Stronger Market Presence
    A good vanity number can make your company appear larger and more established, and creates an image of a brick and mortar business.
  • Customer Recognition
    A good vanity number is one of the best things you can do to increase customer referral marketing as well as repeat customers. A vanity number makes it easier for customers to remember how to reach you for repeat orders and to tell someone else how to reach you.
  • Creates Instant Credibility
    Having an established vanity number has proven to be a real advantage in online marketing where customers have to gather lots of clues to assess credibility.
  • Increased Response Rates
    Studies show that advertising using a good vanity number can increase your response rate by 12 to 42 percent or more.
  • Creates a Sense of Ease with Customers
    Consumers trust companies that are more accessible. They feel more comfortable knowing they can pick up the phone and talk to someone easily. A good vanity number creates a much stronger image in the mind of your potential customer.
  • Owner Profitability
    Stronger public recognition increases your company s net worth. An established vanity number is a valuable negotiating tool during acquisitions.
  • Maximize Advertising ROI
    Toll Free vanity numbers provide additional channels to reach more customers and close more sales.

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Rogers: Wireless, Internet, TV, Home Monitoring, and Home Phone #cable #service #available


#We’re sorry, but we’re having technical issues. Please check back soon. is available at We’re sorry! We do provide service there, but the offers may be different than the province you’re currently in. Already Have Rogers Search Rogers.com is not available at Sign In Show me offers in that province Sorry, that service isn’t available. Good news! An error has occurred! What do you need help with? Show me services offered Rogers Unfortunately we don’t offer that service in the province selected. While this service is offered in your area, it might not be available at your specific address The postal code you’ve selected is in another province. Check another postal code New to Rogers Close Postal code Please enter a postal code. Enter your postal code to check availability in your area. Cancel Already have Rogers? Continue Check Please enter a valid postal code. /web/link/signin Footer

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    div class=”social-media” span Follow /span ul li a href=”https://twitter.com/Rogers” aria-label=”Follow us on Twitter” i class=”rui-icon-twitter” aria-hidden=”true” /i /a /li li a href=”https://www.facebook.com/Rogers/” aria-label=”Follow us on Facebook” i class=”rui-icon-facebook” aria-hidden=”true” /i /a /li li a href=”https://plus.google.com/+Rogers/posts” aria-label=”Follow us on Google Plus” i class=”rui-icon-gplus” aria-hidden=”true” /i /a /li li a href=”http://redboard.rogers.com/” aria-label=”Follow us on Redboard” i class=”rui-icon-redboard” aria-hidden=”true” /i /a /li /ul !– Added for Qualtrics — div id=”feedback-mobile-holder” /div !– a title=”Provide feedback on this page” href=”Javascript:void(0)” class=”btn” Feedback /a — /div

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  • Online Geology Degrees #what #degrees #are #available #online, #online #geology #degrees


    #

    Online Geology Degrees

    Geology is study of the rocks, minerals, and the forces that shape the earth, like water, wind and earthquakes. Learn about the levels of geology degrees you can pursue partly or fully online, common courses and career options in the field. Schools offering Environmental Science degrees can also be found in these popular choices.

    What Geology Degrees Are Available Online?

    You can pursue a Bachelor of Arts, Bachelor of Science, Master of Science and Ph.D. in geology. People who earn a B.S. in Geology usually pursue advanced degrees. However, in a Master of Science program in geology, your classmates may have a B.S. in Geology or an undergraduate degree in a related field like engineering or physics.

    While some schools offer some geology courses online, entire undergraduate degree programs online are extremely rare. Many science lab courses can’t be completed online, and fieldwork requires in-person attendance. However, it is possible to earn a Bachelor of Arts, Bachelor of Science, or Master of Science in Geology entirely online.

    Bachelor’s and Master’s degrees available online

    Computer, software, completing assignments by due date, degree completion within 8 years

    Soils, hydrology, plate tectonics, chemistry, physics

    Geochemist, mineralogist, government geologist, geology teacher

    How Do I Complete My Degree Online?

    In an online geology program, classes start and end at the same calendar time as the on-campus courses. You do not have to be logged in to the class at a specific time, and instead may view the lectures at your convenience. However, during the course, you may be given assignments that have specific due dates. All of your assignments must be completed by the last day of class.

    You may have up to eight years to complete your degree. Students attending part-time take 3-4 years to complete their master’s degree online. If you choose to attend full-time, you may be able to complete your degree faster. You will need access to specific software, usually available for purchase through the school.

    What Topics Will I Study?

    In a bachelor’s degree program, you learn how certain rocks and minerals are formed and how to classify them. You study the forces that shape Earth’s surface, such as weather and plate tectonics, the movement of the Earth’s crust. You may also take classes about soil, hydrology or paleontology. You can also expect to take classes in math, computers, chemistry and physics.

    You will likely have to complete a field course, in which you may spend an entire semester or a summer in the field, practicing your skills on a real-world geology project. Some schools offer field courses on-campus, while others offer them only at off-campus sites.

    Master’s degree students concentrate coursework and thesis projects on a particular area of interest, like earthquake prediction or environmental geology. Ph.D. students take their interest to the next level by completing a dissertation that contributes original research to their chosen area of geology.

    What Kinds of Careers Will Be Open to Me?

    While you will be qualified for entry-level employment with only a bachelor’s degree, many graduates choose to pursue either an advanced geology degree or a professional degree for a career that joins the two interests. For example, you could pursue your law degree and work in environmental law.

    Geology graduates can find employment as an oceanographer, geochemist or mineralogist, doing direct science research. You could work for the U.S. Geological Survey, or advise state and local agencies on infrastructure planning and policy. Some graduates with advanced degrees also pursue teaching careers.

    To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:

    The schools in the listing below are not free and may include sponsored content but are popular choices among our users. Tuition and costs will vary across programs and locations. Be sure to always request tuition information before starting a program.

    Popular Schools


    What kinds of government loans are available to homebuyers? #registering #a #business

    #government loans

    #

    Mortgage Basics FAQ

    4. What kinds of government loans are available to homebuyers?

    Several federal, state, and local government financing programs are available to homebuyers. The two main federal programs are:

    FHA loans. The Federal Housing Administration (FHA), an agency of the Department of Housing and Urban Development (HUD), offers insurance backing to loans made to U.S. citizens, permanent residents, and noncitizens with work permits who meet financial qualification rules. Under its most popular program, if the buyer defaults and the lender forecloses, the FHA pays 100% of the amount insured. This loan insurance lets qualified people buy affordable houses. The major attraction of an FHA-insured loan is that people with passable credit scores can put down as little as 3.5%. Another plus is that, unlike with conventional loans, FHA-backed loans allow the entire down payment and costs costs to come from a gift (perhaps from family). The downside is that FHA loans have a maximum loan limit that varies depending on the average cost of housing in a given region. (Find out FHA’s loan limits at www.fha.com by clicking on “2014 FHA Limits.”) Also, you’ll have to pay MIP (mortgage insurance premium) as part of an FHA loan. For more information on FHA loan programs, contact a regional office of HUD or check the FHA website at www.hud.gov .

    VA loans. U.S. Department of Veterans Affairs (VA) loans are available to men and women who are now in the military and to veterans with honorable discharges who meet specific eligibility rules relating to length of service, credit history, and recent employment, as well as eligible surviving spouses. The VA doesn’t make mortgage loans, but guarantees part of the house loan you get from a bank, savings and loan, or other private lender. If you default, the VA pays the lender the amount guaranteed and you, in turn, will owe the VA. This guarantee makes it easier for veterans to get favorable loan terms with low or no down payment and no PMI (private mortgage insurance). (Conventional mortgages have PMI and FHA loans have MIP.) For more information, check www.va.gov or contact a regional VA office for advice.

    Other government loan programs. For information on other government loans, contact your state and local housing offices. They often have programs available for first-time homebuyers who are purchasing modestly priced properties. To find your state housing office, check the State and Local Government on the Net Directory at http://statelocalgov.net. Or go to your state’s home page, where you may find the listing for your state’s housing office.

    • What is private mortgage insurance (PMI)?
    • Does it make sense to pay more points for a lower interest rate?

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    Grants for starting a business: What small business grants are available?: Starting

    #loans for starting a business

    #

    Grants for starting a business: What small business grants are available?

    If you’re a small business owner or thinking of starting a business, finance is probably your biggest concern. You may be wondering if there is any funding available for start-ups.

    The simple answer is yes, but getting your hands on it can be a complicated and rather stressful process. There are countless schemes, each with their own set of criteria, which you can apply for when you’re on the verge of starting a business.

    Action point: Need a loan to start a business of your own? See how we can help here and here

    Start-up funding is out there to be claimed, yet every year we receive stories of piles of cash sitting in accounts and not being invested. It’s not because you don’t need the cash, but it’s because navigating through the grants jungle can leave you wishing you were still employed.

    Types of business support

    All publicly funded schemes are designed to encourage new and growing businesses, to bring wealth and ultimately create jobs. To help achieve this the government makes available a portion of taxpayers’ money to help and encourage enterprise through small business grants.

    This cash gets distributed through a variety of ministries, departments, agencies and quangos on a national and local basis. Most businesses are eligible at any one time to apply for a number of different business start-up grants and support schemes which are distributed in a wide variety of forms.
    s
    Government grant resource the business finance support finder is a great tool to help those starting a business find relevant funding to suit their needs and you are able to customise your search by your business location, size, and type of business activity.

    Want to read more on grants?

    Government business grants available

    Direct grant

    This is a cash award, which is usually given out for activities such as training, employment, export development, recruitment and capital investment projects. With a direct grant most schemes usually require the company involved to put up around 50% of the cost.

    The government s ‘business finance support finder’ directory has over 300 direct grants agencies listed such as UK business “innovation” organisation the Technology Strategy Board. The directory also features various local grants providers which are facilitated by the government’s £3.2bn Regional Growth Fund. such as Catalyst for Growth which has direct grants of £5,000 to £500,000 available for chemical start-ups launching in the North West of England.

    Soft loan

    A soft loan is a special type of grant where the terms and conditions of repayment are more generous (or softer) than they would be under normal financial circumstances. So, for example, the interest rates may be less, or there may be no interest to pay at all, and the repayment terms could also be for a longer period.

    There are hundreds of organisations that offer soft loans and guarantees but the most notable is government-funded scheme Start Up Loans which offers new businesses loans of up to £25,000 for 6% interest with a 12 month repayment “holiday”. To date it has helped to fund over 10,000 start-ups with over £50m invested. You can find out more about the Start Up Loans scheme here. (If you need a higher value business loan, fill out our business loans form and we may be able to put you in touch with the right people).

    If you’re starting a social enterprise or charity there are organisations such as Big Issue Invest. the investment arm of the Big Issue, which has soft loans from £50,000 to £1m available for positive impact, socially-driven entrepreneurs and also operates ‘participation loans’ where repayment is linked to future performance of the enterprise.

    For young entrepreneurs aged between 18-30, The Prince s Trust provides soft loans of up to £4,000, as well as support for your business idea, with interest capped at 3% and repayments spread over a period of two to five years.

    Equity finance

    With equity finance a capital sum is injected into the business and the provider of the funds takes an equity share of the enterprise. When the value of the firm increases the stake can then be returned. However, unlike venture capitalists, the expectations and requirements of the providers of public funds are usually less demanding.

    It is also worth noting the government Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) which help companies raise finance by providing tax relief to investors who buy a share in your business.

    Free or subsidised consultancy

    Start-ups can often find themselves in the situation where they are lacking a particular set of skills and there are some specially run schemes which provide this knowledge either for free or at subsidised rates. For instance, the Welsh government runs a business support service offering free, independent advice on starting a business and operates an instant hotline for business queries.

    Access to resources

    As with a lack of skills, it can be the case that start-ups do not possess the physical resources or facilities they need in order to develop particular projects. In the same way there are a number of initiatives, particularly incubator and accelerator schemes, that can help overcome these concerns by providing access to publicly owned facilities. One such initiative is the department for business, innovation and skills’ (DBIS) GrowthAccelerator which provides advice and coaching to fast-growth businesses with fewer than 250 employees.

    Technology and Best Practice transfer

    The transfer of technological advances and new best practice initiatives can often take a long time filtering down to smaller businesses. The government has set up schemes which aim to overcome this through business support networks and there is now a number of well-established best practice initiatives such as Investors in People (IIP), which specialises in business tools and resources.

    Cost sharing

    When it comes to research and development, the costs involved can prevent small firms from taking part. However, by sharing the costs with other businesses, and then sharing the expertise, this problem can be avoided.

    To find out more about grants for starting a business, visit our dedicated small business grants channel here .

    Useful business start up tools

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    OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller


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    Free Unlimited Hosting cPanel

    Free Unlimited WHM Reseller Hosting

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    Free VPS Hosting (90 Days)!

    OHosti Powerful Features!

    Free Unlimited Web Hosting Features :

    Flexible, Easy to Use Control Panel . Unlimited Bandwidth. Unlimited Sub Domains, FTP Accounts, and Email Accounts. 99.9% Uptime Guarantee Build your website using the latest languages including PHP, Ruby, PERL, Python, PostgreSQL, MySQL and more. We also provide SSH access on all Business Hosting plans and have enabled WP-CLI for easy WordPress management.

    Why is Our Free VPS Hosting different than Shared and Dedicated?

    With our OHosti VPS, you get an entire server. This is optimal for people that have very high traffic to their websites or need to setup their server in a very specific way. Not everyone needs to have a fully dedicated web server however. If you’re just getting started with your website, you can save quite a bit of money if you get a free small portion of the server. Shared hosting is when you share a portion of the server with other users rather than rent an entire server to yourself. If you are considering a dedicated server and are unsure if it is right for you, perhaps you will need to get Free VPS Hosting.

    What is our free reseller hosting included?

    Everything you need to get started is included in our Reseller packages for a single, no price (free) :

    Free cPanel:
    Unlike other hosting companies, we never charge you or your clients a fee to manage the content and setup of their websites. cPanel makes that easy.

    Free Domains Resales:
    Not only can you sell web hosting, our Reseller Program also gives you the ability to sell domain names.

    IMAP, POP, SMTP Email:
    We offer a variety of email protocols, meaning your clients can check emails anywhere, on any device, easily.

    Free Backups and Installers:
    We include the Softaculous auto-installer totally Free, so you and your clients can set up websites at the click of a button, and we back your sites up every 24-36 hours, automatically.

    Frequently Asked Questions?

    Why is it all free on OHosti? How do you earn?

    We’ve been providing leading free cPanel hosting services with No Ads. All this is made possible by our Paid Dedicated Servers services, including upgrades for those who need more room for growth, as well as donations from our community of users.

    How long will your hosting be free?

    Forever! We have provided Paid Servers services since 2010 and we have been in free hosting business since 2009.

    What are your guarantees?

    1. Our hosting will always be 100% free!

    2. We own all our servers and locate them in high quality data centers, so no one can shut down or reload any server with your data.

    3. We utilise dedicated connections to ensure we can provide enough bandwidth for all our users.

    Free Domain Name Privacy

    Did you know that whenever a domain name is registered, The Internet Corporation for Assigned Names and Numbers (ICANN) requires your personal information be published in the WHOIS database? This includes your mailing address, phone number and email address!

    With Domain Privacy Protection from OHosti Hosting we will make our information available to the public instead of yours. This can help protect you from potential spammers, telemarketers and even identity thieves. This wouldn’t cost you any thing only $0.00 annually! (Fully Free). Otherwise we would have to use the information we currently have on file for your account.

    Your name will remain as the registrant contact so that you retain complete ownership of the domain.

    You can register a free .com. net. org. tk. ml. ga. cf. gq (including Special Domains).

    Domain Privacy Protection is available with all hosting accounts, including shared hosting, vps hosting, and our dedicated servers.

    Create New Website?

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    OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller


    #

    Free Unlimited Hosting cPanel

    Free Unlimited WHM Reseller Hosting

    Free Domain Name !

    Free VPS Hosting (90 Days)!

    OHosti Powerful Features!

    Free Unlimited Web Hosting Features :

    Flexible, Easy to Use Control Panel . Unlimited Bandwidth. Unlimited Sub Domains, FTP Accounts, and Email Accounts. 99.9% Uptime Guarantee Build your website using the latest languages including PHP, Ruby, PERL, Python, PostgreSQL, MySQL and more. We also provide SSH access on all Business Hosting plans and have enabled WP-CLI for easy WordPress management.

    Why is Our Free VPS Hosting different than Shared and Dedicated?

    With our OHosti VPS, you get an entire server. This is optimal for people that have very high traffic to their websites or need to setup their server in a very specific way. Not everyone needs to have a fully dedicated web server however. If you’re just getting started with your website, you can save quite a bit of money if you get a free small portion of the server. Shared hosting is when you share a portion of the server with other users rather than rent an entire server to yourself. If you are considering a dedicated server and are unsure if it is right for you, perhaps you will need to get Free VPS Hosting.

    What is our free reseller hosting included?

    Everything you need to get started is included in our Reseller packages for a single, no price (free) :

    Free cPanel:
    Unlike other hosting companies, we never charge you or your clients a fee to manage the content and setup of their websites. cPanel makes that easy.

    Free Domains Resales:
    Not only can you sell web hosting, our Reseller Program also gives you the ability to sell domain names.

    IMAP, POP, SMTP Email:
    We offer a variety of email protocols, meaning your clients can check emails anywhere, on any device, easily.

    Free Backups and Installers:
    We include the Softaculous auto-installer totally Free, so you and your clients can set up websites at the click of a button, and we back your sites up every 24-36 hours, automatically.

    Frequently Asked Questions?

    Why is it all free on OHosti? How do you earn?

    We’ve been providing leading free cPanel hosting services with No Ads. All this is made possible by our Paid Dedicated Servers services, including upgrades for those who need more room for growth, as well as donations from our community of users.

    How long will your hosting be free?

    Forever! We have provided Paid Servers services since 2010 and we have been in free hosting business since 2009.

    What are your guarantees?

    1. Our hosting will always be 100% free!

    2. We own all our servers and locate them in high quality data centers, so no one can shut down or reload any server with your data.

    3. We utilise dedicated connections to ensure we can provide enough bandwidth for all our users.

    Free Domain Name Privacy

    Did you know that whenever a domain name is registered, The Internet Corporation for Assigned Names and Numbers (ICANN) requires your personal information be published in the WHOIS database? This includes your mailing address, phone number and email address!

    With Domain Privacy Protection from OHosti Hosting we will make our information available to the public instead of yours. This can help protect you from potential spammers, telemarketers and even identity thieves. This wouldn’t cost you any thing only $0.00 annually! (Fully Free). Otherwise we would have to use the information we currently have on file for your account.

    Your name will remain as the registrant contact so that you retain complete ownership of the domain.

    You can register a free .com. net. org. tk. ml. ga. cf. gq (including Special Domains).

    Domain Privacy Protection is available with all hosting accounts, including shared hosting, vps hosting, and our dedicated servers.

    Create New Website?

    Build your website in 4 easy steps:

    • 01 Login to Site Builder
    • 02 Select Web Template
    • 03 Publish to your hosting account
    • 04 Select web template search etc.

    Are there any government loans available? #business #seminars

    #government small business loans

    #

    Mr Mark Brennan commenced in his role as the Australian Small Business Commissioner on 2 January 2013.

    Dr Craig Latham commenced in his role as Deputy Small Business Commissioner on 21 May 2013.

    The role of the Australian Small Business Commissioner is to represent small business interests and concerns to the Australian Government.

    There are Small Business Commissioners in Victoria, New South Wales, Western Australia and South Australia.

    If you are in a business dispute, Dispute Support can assist you to find the right dispute resolution service

    A good understanding of your dispute will help you to make informed decisions about the best way to try to resolve the dispute.

    Tips from the Australian Small Business Commissioner to help you build strong business relationships and avoid disputes

    Find out about dispute resolution services available in your state or territory.

    There are publications available to assist you to understand, manage and prevent disputes.

    It is difficult to know where to begin when starting your own business. It’s important to consider whether you really understand what’s involved and that you are aware of your tax and legal obligations.

    Are you are thinking about expanding your business? Here are some suggestions that could help you grow your business.

    Once you decide to sell or pass on your business, you need to consider how much your business is worth, the best time to sell and whether you should make use of a broker or other professionals to maximise selling opportunities.

    There are resources available to assist you with starting and growing your business.

    The family business sector accounts for 70% of all businesses in Australia.

    Family Business Australia’s top ten tips for surviving a family business.

    Family Business Australia’s best practice principles for family business.

    Read case studies from family businesses.

    Find out about upcoming events and training tailored for family businesses

    Find answers to the most frequently asked questions about starting, growing and exiting a business.

    Planning should always be the first step in developing a business.

    Checklists that contain a series of questions to guide you through the various stages of setting up your business including before you start, when you start, when you buy and when you run your business.

    Links to help guide your business.

    View news articles from the Australian Small Business Commissioner.

    Find out about upcoming small business events that Commissioner and his Office are involved in.

    Keep up to date with the Commissioner’s newsletter.

    View submissions and reports by the Office of the Australian Small Business Commissioner

    The latest small business news from across the Australian Government, including ACCC, ASIC, ATO and business.gov.au

    View blog posts from the Australian Small Business Commissioner.

    View series of related blog posts.

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    Grants for starting a business: What small business grants are available?: Starting

    #loans for starting a business

    #

    Grants for starting a business: What small business grants are available?

    If you’re a small business owner or thinking of starting a business, finance is probably your biggest concern. You may be wondering if there is any funding available for start-ups.

    The simple answer is yes, but getting your hands on it can be a complicated and rather stressful process. There are countless schemes, each with their own set of criteria, which you can apply for when you’re on the verge of starting a business.

    Action point: Need a loan to start a business of your own? See how we can help here and here

    Start-up funding is out there to be claimed, yet every year we receive stories of piles of cash sitting in accounts and not being invested. It’s not because you don’t need the cash, but it’s because navigating through the grants jungle can leave you wishing you were still employed.

    Types of business support

    All publicly funded schemes are designed to encourage new and growing businesses, to bring wealth and ultimately create jobs. To help achieve this the government makes available a portion of taxpayers’ money to help and encourage enterprise through small business grants.

    This cash gets distributed through a variety of ministries, departments, agencies and quangos on a national and local basis. Most businesses are eligible at any one time to apply for a number of different business start-up grants and support schemes which are distributed in a wide variety of forms.
    s
    Government grant resource the business finance support finder is a great tool to help those starting a business find relevant funding to suit their needs and you are able to customise your search by your business location, size, and type of business activity.

    Want to read more on grants?

    Government business grants available

    Direct grant

    This is a cash award, which is usually given out for activities such as training, employment, export development, recruitment and capital investment projects. With a direct grant most schemes usually require the company involved to put up around 50% of the cost.

    The government s ‘business finance support finder’ directory has over 300 direct grants agencies listed such as UK business “innovation” organisation the Technology Strategy Board. The directory also features various local grants providers which are facilitated by the government’s £3.2bn Regional Growth Fund. such as Catalyst for Growth which has direct grants of £5,000 to £500,000 available for chemical start-ups launching in the North West of England.

    Soft loan

    A soft loan is a special type of grant where the terms and conditions of repayment are more generous (or softer) than they would be under normal financial circumstances. So, for example, the interest rates may be less, or there may be no interest to pay at all, and the repayment terms could also be for a longer period.

    There are hundreds of organisations that offer soft loans and guarantees but the most notable is government-funded scheme Start Up Loans which offers new businesses loans of up to £25,000 for 6% interest with a 12 month repayment “holiday”. To date it has helped to fund over 10,000 start-ups with over £50m invested. You can find out more about the Start Up Loans scheme here. (If you need a higher value business loan, fill out our business loans form and we may be able to put you in touch with the right people).

    If you’re starting a social enterprise or charity there are organisations such as Big Issue Invest. the investment arm of the Big Issue, which has soft loans from £50,000 to £1m available for positive impact, socially-driven entrepreneurs and also operates ‘participation loans’ where repayment is linked to future performance of the enterprise.

    For young entrepreneurs aged between 18-30, The Prince s Trust provides soft loans of up to £4,000, as well as support for your business idea, with interest capped at 3% and repayments spread over a period of two to five years.

    Equity finance

    With equity finance a capital sum is injected into the business and the provider of the funds takes an equity share of the enterprise. When the value of the firm increases the stake can then be returned. However, unlike venture capitalists, the expectations and requirements of the providers of public funds are usually less demanding.

    It is also worth noting the government Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) which help companies raise finance by providing tax relief to investors who buy a share in your business.

    Free or subsidised consultancy

    Start-ups can often find themselves in the situation where they are lacking a particular set of skills and there are some specially run schemes which provide this knowledge either for free or at subsidised rates. For instance, the Welsh government runs a business support service offering free, independent advice on starting a business and operates an instant hotline for business queries.

    Access to resources

    As with a lack of skills, it can be the case that start-ups do not possess the physical resources or facilities they need in order to develop particular projects. In the same way there are a number of initiatives, particularly incubator and accelerator schemes, that can help overcome these concerns by providing access to publicly owned facilities. One such initiative is the department for business, innovation and skills’ (DBIS) GrowthAccelerator which provides advice and coaching to fast-growth businesses with fewer than 250 employees.

    Technology and Best Practice transfer

    The transfer of technological advances and new best practice initiatives can often take a long time filtering down to smaller businesses. The government has set up schemes which aim to overcome this through business support networks and there is now a number of well-established best practice initiatives such as Investors in People (IIP), which specialises in business tools and resources.

    Cost sharing

    When it comes to research and development, the costs involved can prevent small firms from taking part. However, by sharing the costs with other businesses, and then sharing the expertise, this problem can be avoided.

    To find out more about grants for starting a business, visit our dedicated small business grants channel here .

    Useful business start up tools

    Forum post of the week

    Want to run a more profitable business?

    More from Startups





    Examples of Charting #charting, #that, #good, #examples, #trying, #difficult, #fellow, #students, #needs,


    #

    Examples of Charting

    Jan 19, ’06 by Daytonite

    I come from an era of nursing where nursing notes were nothing but narrative charting, no check off sheets for us! Anyway, what I did over my career to make sure I didn’t forget anything (we had to narratively write out our head to toe assessments every shift) was to make up a sheet of all the areas to remember to hit. I got the idea from one hospital I worked that had a laminated sheet at the front of the nurses notes section of every chart. It basically was a list of a head to toe assessment and included a short description within each body system to address in our charting. I added things to mine, such as to pay particular attention to IVs and IV sites, restraints, bed rails (up or down), out of whack labwork, did I call the doctor, and things like that which I found probably needed to be addressed in my charting in order to CYA.

    If I were you, I would get a blank copy of the check off assessment done at one of your clinical areas. Use that to start creating your own little charting list. Create the list in a Word document that you can save as a file on your computer. That way you can easily access it and make changes to it, as it will be an evolving work. It’s easy enough to print one out.

    I had a special sheet I made years ago for assessing, treating and charting on chest pain. I did it because I was working on a cardiac unit and we had a lot of people who got chest pain and I was always forgetting something to ask the patient or to chart. So, I sat down and went through my textbooks as well as the hospital protocol for chest pain and made up this sheet which I had to type on a manual typewriter (this was before computers). I covered it with clear contact paper to protect it and carried it on my clipboard. When a patient had chest pain I would put that sheet out and refer to it while I was at the bedside with the patient. I often would sit with the bottle of Nitroglycerin in my hand, give the patient a NTG tablet, take his blood pressure and ask him about whether his pain was improving or not. I also knew, from my list, to watch for SOB and cyanosis. I would write down the times I was giving the NTG to the patient (our protocol was one tablet every 5 minutes up to 3 tablets until pain was gone). When I sat down to chart, all I had to do was follow my cheat sheet. I had all the times I had given the NTG and the patient’s responses to my questions.

    Insofar as the actual wording of your charting. keep it factual, keep it simple. Here’s how I used to do mine (what I can remember of a normal one): Alert and oriented to person, place and time. Skin pink, warm and dry. Repirations regular and unlabored. (Or, crackles ascultated in RLL with deep breath–productive coughing of green colored sputum upon deep inspiration) No cough noted. Continuous O2 at 2L/min by nasal cannula. Abdomen rounded and soft with active bowel sounds ausculated in all four abdominal quadrants. No pain to mild palpation of abdomen. (Or, no bowel sounds auscultated in any quadrant of abdomen after one full minute of listening at each quadrant.) Foley catheter patent with clear yellow urine draining. IV intact and patent in anterior aspect of left lower forearm with 1000cc D5W infusing at 100cc/hr by gravity drip ( we didn’t use pumps in those days, but if we did I always mentioned that a pump was in use). No pain, redness, or swelling at or above IV site. No calf tenderness. No pedal edema. Knee high TED hose in place bilaterally. Side rails up. Call light in reach. This is just a sampling as I was remembering things. Mostly, you tend to write the same old stuff all the time. It gets interesting when something isn’t normal and you have to describe it.

    Hope this helps you.

    Last edit by Daytonite on Jan 19, ’06

    Some excellent links:

    the links are great. Thanks.

    Thanks for the info, I believe your advice will work. cjmac

    I come from an era of nursing where nursing notes were nothing but narrative charting, no check off sheets for us! Anyway, what I did over my career to make sure I didn’t forget anything (we had to narratively write out our head to toe assessments every shift) was to make up a sheet of all the areas to remember to hit. I got the idea from one hospital I worked that had a laminated sheet at the front of the nurses notes section of every chart. It basically was a list of a head to toe assessment and included a short description within each body system to address in our charting. I added things to mine, such as to pay particular attention to IVs and IV sites, restraints, bed rails (up or down), out of whack labwork, did I call the doctor, and things like that which I found probably needed to be addressed in my charting in order to CYA.

    If I were you, I would get a blank copy of the check off assessment done at one of your clinical areas. Use that to start creating your own little charting list. Create the list in a Word document that you can save as a file on your computer. That way you can easily access it and make changes to it, as it will be an evolving work. It’s easy enough to print one out.

    I had a special sheet I made years ago for assessing, treating and charting on chest pain. I did it because I was working on a cardiac unit and we had a lot of people who got chest pain and I was always forgetting something to ask the patient or to chart. So, I sat down and went through my textbooks as well as the hospital protocol for chest pain and made up this sheet which I had to type on a manual typewriter (this was before computers). I covered it with clear contact paper to protect it and carried it on my clipboard. When a patient had chest pain I would put that sheet out and refer to it while I was at the bedside with the patient. I often would sit with the bottle of Nitroglycerin in my hand, give the patient a NTG tablet, take his blood pressure and ask him about whether his pain was improving or not. I also knew, from my list, to watch for SOB and cyanosis. I would write down the times I was giving the NTG to the patient (our protocol was one tablet every 5 minutes up to 3 tablets until pain was gone). When I sat down to chart, all I had to do was follow my cheat sheet. I had all the times I had given the NTG and the patient’s responses to my questions.

    Insofar as the actual wording of your charting. keep it factual, keep it simple. Here’s how I used to do mine (what I can remember of a normal one): Alert and oriented to person, place and time. Skin pink, warm and dry. Repirations regular and unlabored. (Or, crackles ascultated in RLL with deep breath–productive coughing of green colored sputum upon deep inspiration) No cough noted. Continuous O2 at 2L/min by nasal cannula. Abdomen rounded and soft with active bowel sounds ausculated in all four abdominal quadrants. No pain to mild palpation of abdomen. (Or, no bowel sounds auscultated in any quadrant of abdomen after one full minute of listening at each quadrant.) Foley catheter patent with clear yellow urine draining. IV intact and patent in anterior aspect of left lower forearm with 1000cc D5W infusing at 100cc/hr by gravity drip ( we didn’t use pumps in those days, but if we did I always mentioned that a pump was in use). No pain, redness, or swelling at or above IV site. No calf tenderness. No pedal edema. Knee high TED hose in place bilaterally. Side rails up. Call light in reach. This is just a sampling as I was remembering things. Mostly, you tend to write the same old stuff all the time. It gets interesting when something isn’t normal and you have to describe it.

    Hope this helps you.

    Thanks for the tip. I’ll try it!

    Jan 11, ’07 by TheCommuter. BSN, RN Senior Moderator

    Lippincott publishes a book entitled, Charting Made Incredibly Easy . It can be purchased at any major bookstore in America since it is such a common book for nursing students and newer nurses. Additionally, it can be purchased online at Amazon .com, Ebay.com, and at any number of internet bookstores.

    Charting Made Incredibly Easy – is this book is really helpful?

    I have been an RN for 1 1/2 years and just bought the mentioned book in a pocket size to keep with mystuff, its the 3rd documentation book i have bought and the easiest to use


    What kinds of government loans are available to homebuyers? #business #images

    #government loans

    #

    Mortgage Basics FAQ

    4. What kinds of government loans are available to homebuyers?

    Several federal, state, and local government financing programs are available to homebuyers. The two main federal programs are:

    FHA loans. The Federal Housing Administration (FHA), an agency of the Department of Housing and Urban Development (HUD), offers insurance backing to loans made to U.S. citizens, permanent residents, and noncitizens with work permits who meet financial qualification rules. Under its most popular program, if the buyer defaults and the lender forecloses, the FHA pays 100% of the amount insured. This loan insurance lets qualified people buy affordable houses. The major attraction of an FHA-insured loan is that people with passable credit scores can put down as little as 3.5%. Another plus is that, unlike with conventional loans, FHA-backed loans allow the entire down payment and costs costs to come from a gift (perhaps from family). The downside is that FHA loans have a maximum loan limit that varies depending on the average cost of housing in a given region. (Find out FHA’s loan limits at www.fha.com by clicking on “2014 FHA Limits.”) Also, you’ll have to pay MIP (mortgage insurance premium) as part of an FHA loan. For more information on FHA loan programs, contact a regional office of HUD or check the FHA website at www.hud.gov .

    VA loans. U.S. Department of Veterans Affairs (VA) loans are available to men and women who are now in the military and to veterans with honorable discharges who meet specific eligibility rules relating to length of service, credit history, and recent employment, as well as eligible surviving spouses. The VA doesn’t make mortgage loans, but guarantees part of the house loan you get from a bank, savings and loan, or other private lender. If you default, the VA pays the lender the amount guaranteed and you, in turn, will owe the VA. This guarantee makes it easier for veterans to get favorable loan terms with low or no down payment and no PMI (private mortgage insurance). (Conventional mortgages have PMI and FHA loans have MIP.) For more information, check www.va.gov or contact a regional VA office for advice.

    Other government loan programs. For information on other government loans, contact your state and local housing offices. They often have programs available for first-time homebuyers who are purchasing modestly priced properties. To find your state housing office, check the State and Local Government on the Net Directory at http://statelocalgov.net. Or go to your state’s home page, where you may find the listing for your state’s housing office.

    • What is private mortgage insurance (PMI)?
    • Does it make sense to pay more points for a lower interest rate?

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    Trading Rules – Help – Trading Direct #settled #funds #available #for #trading


    #

    If Your Order is Rejected.

    1. Cash Account Trading: General Rules.

    Within a brokerage account, securities transactions are segregated by type for regulatory and accounting purposes. Prior to placing an order in a cash account, the client is expected to deposit enough funds to pay for the transaction in full.

    If a position is purchased and sold in a cash account without being fully paid for, Regulation T of the Federal Reserve Board requires the account to be restricted for 90 Days. You will not be able to place trades on the Internet for 90 days. You will have to phone your orders in. You will be prohibited from creating a “margin call” in your account.

    Note: If the security is bought and sold with out being fully paid for, but the money is received by the buy-side settlement date, the restriction can be lifted.

    In a Cash account on 90-day restriction, once a security is sold, the proceeds of the sale may not used to buy any security until settlement date. (Settlement date is 3 business days for stocks.) Accounts placed on 90-day restriction will be forced to place orders via telephone and will be charged a commission at the Telephone rate of $19.95. Day-trading with unsettled funds and debit balances are prohibited in cash accounts.

    The disadvantages of having a cash account only are:
    You must have all the cash in your account prior to entering an order. A cash account will be put on 90-Day Restriction, if a security is bought and sold without being fully paid for. Accounts placed on 90-Day restriction will be charged a $19.95 equity commission rate by Trading Direct. No trading will be allowed via the Internet if you are placed on 90-day restriction, however you will be able to view activity, balances, positions, etc.

    2. Cash Account Trading: Unsettled Funds Rule Summary.

    After selling a stock in your cash account, technically you are supposed to wait 3 business days for settlement before the money may be used to buy another security. However, if the new stock purchased is NOT sold before the previous sale settles, you will not violate any rules.

    Here are two examples of using unsettled funds in your cash account, which would cause a good faith violation (GFV) to be issued:

    Next Day GFV Example:
    1. Starting cash balance is $0
    2. May 1: Sell 100 XYZ for $1000 (settles May 4)
    3. Cash balance is now $1000
    4. May 2: Buy 100 ABC for $1000. You are not supposed to sell this stock until on or after May 4 (which is when the sale of XYZ settles).
    5. May 3: Sell 100 ABC (Good Faith Violation issued)

    If you sell a particular stock today, you are not supposed to buy the same stock back the same day using the proceeds from the previous sale.
    Intraday GFV Example:
    1. Starting cash balance is $0
    2. June 1 10:00AM: Sell 100 XYZ for $1100 (settles June 4)
    3. Cash balance is now $1100
    4. June 1 12:30PM: Buy 100 XYZ for $900 (Good faith violation issued).

    Note: Good Faith Violations will remain notated in your account for 15 months. Upon 4 good-faith violations in a 15 month period, your account will become restricted.

    4. Margin Account Trading: General Rules.

    A margin account must be used in order to borrow funds and or day trade. Active traders should place their orders in a margin account to avoid potential restrictions associated with cash account trading. To obtain margin trading privileges, you must have a signed margin agreement on file and have $2000 minimum equity in cash or marginable securities. Not all securities are marginable. Generally stocks priced over $3 per share on the New York Stock Exchange (NYSE), American Stock Exchange (AMEX), and NASDAQ National Market (NNM) may be marginable. Mutual Funds are not marginable for the first 30 days. In general, the initial margin requirement for a long position is 50%. The minimum maintenance requirement is 30% in a non-concentrated account. Maintenance for a concentrated account is 50%. A concentrated account is defined as an account with one position equal to or greater than 60% of the total market value.

    5. Margin Account Day-Trading: Rule Summary Details.

    In general, accounts over $25,000 in marginable equity may execute more than 3 margin day-trades in a five business day period. (Marginable equity may consist of cash, or stocks which are over $3 per share and trade on the NYSE, American Stock Exchange, or Nasdaq National Market.) If you execute 4 day-trades in a 5 business day period, your account will be coded as a “pattern day-trader”, and will be subject to a $25,000 minimum balance in order to engage in future margin trading.

    Understanding your Day-Trading Buying Power (DTBP):

    1.Where can I find the DTBP figure for my account?

    The DTBP figure is conveniently displayed for you on the Balance Screen.

    The DTBP figure (for buying stocks over $3 per share) is derived by taking the NYSE Excess figure (not displayed on your Balance screen) for your account and dividing it by 0.25 (denominator).

    Example: NYSE Excess=$100,000 / .25 = $400,000 DTBP

    3.What does DTBP mean, and when can I use it?

    This is the maximum amount of stock (common stock, preferred stock, closed end-funds, and non-leveraged ETFs) trading over $3.00 per share, which may be purchased (going long) at one time.

    4.When is the day trading buying power reduced?

    The DTBP figure will be reduced for those engaging in short selling, leveraged ETF s, and low-priced stocks.

    5.What is my reduced DTBP figure (for short sales, leverage etf s, or low-priced stocks)?

    This figure may be obtained in two quick steps

    Step 1: Calculate your NYSE Excess:

    Take your DTBP Figure and divide by 4

    Example: DTBP $400,000. $400,000 / 4 = $100,000 NYSE Excess

    Step 2 refer to matrix below:

    7. Margin/House Call.

    A margin house call will generally be issued if your account’s percent of equity falls below 30%. (Most securities over $10 per share have a 30% maintenance requirement. Under $10 per share, the requirement is generally $3 per share).
    The call is generally due in 5 days from when the call became effective. However, if the percent of equity falls below 25%, account positions may be closed out immediately to raise the equity over 30%.
    The call may be met by depositing funds or securities, or by closing out positions.
    Once the call is issued, it is possible that the value of the positions may increase (market appreciation), raising the percent of equity over 30%. However, the 30% level must be maintained on the 5th day after the call was issued, in order to satisfy the call by market appreciation.

    8. Short Selling- Objective, Terminology, Borrowing, Requirements

    1. Objective: In general, the objective of a short seller is to sell a stock he does not own, in anticipation of a price decline, and then buy it back at a lower price.

    2. Terminology: The opening position is called Sell Short. To close out a position, it is called Buy To Cover Short.

    3. Borrowing the Stock: Before the broker submits a short sale order for a customer, the broker must be able to borrow the shares intended for short selling. Generally marginable stocks (those priced over $3 per share on the NYSE, AMEX, or NNM) are eligible for selling short.

    4. Margin Maintenance Requirements:

    $2.50 per share or 100 percent of the current market value, whichever amount is greater, of each stock short in the account selling at less than $5.00 per share

    $5.00 per share or 30 percent of the current market value, whichever amount is greater, of each stock short in the account selling at $5.00 per share or above; plus each stock short in the account selling at $5.00 per share or above

    5. Intraday Trading: With regarding to selling short and buying to cover intraday, only 83% the Day-Trade Buying Power (DTBP) may be used for stocks with normal margin requirements.
    For example Balance Screen shows DTBP of $100,000.
    $100,000 * 0.83 = $83,000 DTBP for short selling.

    9. Day-Trading of Options in a Margin Account

    25% (1/4th) of your “Day-Trading Buying Power Figure” for equities, may be used for the day-trading of Options.

    2017 Trading Direct, a division of York Securities, Inc.

    160 Broadway FL 7E New York, NY 10038

    York Securities, Inc. member FINRA / SIPC. Accounts custodied with Pershing, LLC, member FINRA / SIPC. (Pershing is a wholly owned subsidiary of The Bank of New York Mellon Corporation). Additional account protection (“Excess SIPC”) provided through a group underwriters led by Lloyds. Click here for more information. Response times for system performance and account access may vary due to multiple factors including market conditions, trading volumes, system performance, and other possibilities. Options involve risk and are not suitable for all investors.


    Are there any government loans available? #cottage #industry #ideas

    #government small business loans

    #

    Mr Mark Brennan commenced in his role as the Australian Small Business Commissioner on 2 January 2013.

    Dr Craig Latham commenced in his role as Deputy Small Business Commissioner on 21 May 2013.

    The role of the Australian Small Business Commissioner is to represent small business interests and concerns to the Australian Government.

    There are Small Business Commissioners in Victoria, New South Wales, Western Australia and South Australia.

    If you are in a business dispute, Dispute Support can assist you to find the right dispute resolution service

    A good understanding of your dispute will help you to make informed decisions about the best way to try to resolve the dispute.

    Tips from the Australian Small Business Commissioner to help you build strong business relationships and avoid disputes

    Find out about dispute resolution services available in your state or territory.

    There are publications available to assist you to understand, manage and prevent disputes.

    It is difficult to know where to begin when starting your own business. It’s important to consider whether you really understand what’s involved and that you are aware of your tax and legal obligations.

    Are you are thinking about expanding your business? Here are some suggestions that could help you grow your business.

    Once you decide to sell or pass on your business, you need to consider how much your business is worth, the best time to sell and whether you should make use of a broker or other professionals to maximise selling opportunities.

    There are resources available to assist you with starting and growing your business.

    The family business sector accounts for 70% of all businesses in Australia.

    Family Business Australia’s top ten tips for surviving a family business.

    Family Business Australia’s best practice principles for family business.

    Read case studies from family businesses.

    Find out about upcoming events and training tailored for family businesses

    Find answers to the most frequently asked questions about starting, growing and exiting a business.

    Planning should always be the first step in developing a business.

    Checklists that contain a series of questions to guide you through the various stages of setting up your business including before you start, when you start, when you buy and when you run your business.

    Links to help guide your business.

    View news articles from the Australian Small Business Commissioner.

    Find out about upcoming small business events that Commissioner and his Office are involved in.

    Keep up to date with the Commissioner’s newsletter.

    View submissions and reports by the Office of the Australian Small Business Commissioner

    The latest small business news from across the Australian Government, including ACCC, ASIC, ATO and business.gov.au

    View blog posts from the Australian Small Business Commissioner.

    View series of related blog posts.

    Top 5 FAQs

    Easy way to stay up to date

    Are there any government loans available?

    Support





    The Top 10 Grants Available to Black, Minority Business Owners #small #business

    #minority business grants

    #

    Free Money? The Top 10 Grants Available to Black, Minority Business Owners

    Every year billions of dollars are awarded in the form of free money and other types of funding. Most people know this money exists, but just don t know where to apply, how much they qualify for, or even where to get an application.

    Contrary to popular belief, free money is available to entrepreneurs. Real business grants do exist. In fact, hundreds of black and minority-owned businesses each year receive such grant funding from various government agencies and nonprofit organizations, reports BlackNews.com. Such funds do not have to be repaid, but must be used to either start a new business or enhance an existing one. Others can be used for innovation research.

    Here are the top 10 small and minority business grant programs available:

    1. The FedEx Small Business Grant Contest is a nationwide competition that will award $50,000 in total to six deserving U.S-based entrepreneurs and business owners. Go to www.businessgrants.org/opportunities/fedex_small_business_grant_contest.html

    2. The National Association for the Self Employed (NASE) Growth Grants Program allows business owners to apply for financing a particular small business need. Past recipients used funds to purchase computers, hire part-time help, and create marketing materials. Visit www.businessgrants.org/opportunities/national_association_self_employed_nase_business_grants.html

    3. The Dare to Dream Grant Program encourages students to move through the business creation process by offering business development seminars and up to $10,000 in funding. Learn more at www.businessgrants.org/opportunities/dare_to_dream_grant_program.html

    4. The Miller Lite Tap the Future Business Plan Competition (formerly known as the MillerCoors Urban Entrepreneur Series) is an annual competition for minority business owners sponsored by Miller Lite. Designed to economically empower minority businesses, the program continues to invest in entrepreneurial dreams to empower urban communities. Learn more at MLTaptheFuture.com

    5. The Small Business Administration (SBA) administers several competitive business grant programs, ensuring that the nation s small, high-tech, innovative businesses are a significant part of the federal government s research and development efforts. Check out www.businessgrants.org/opportunities/sbir_small_business_research_innovation_grants.html

    6. The Minority Business Development Agency (MBDA) organizes various angel investors with the primary objective of supporting minority businesses with mezzanine and second round financing. Learn more at www.businessgrants.org/opportunities/minority_business_development_agency_mbda_business_grants.html

    7. The Rural Business Enterprise Grants (RBEG) Program provides grants to finance the development of small and emerging businesses in rural areas. The funds can be used for land acquisition, construction, renovation, technical assistance, project planning, and more. Visit www.businessgrants.org/opportunities/rural_business_enterprise_grants_rbeg_program.html

    8. The Huggies MomInspired Grant Program awards grants and business resources to moms to further the development of original product ideas and startup businesses. Learn more at www.businessgrants.org/opportunities/huggies_mom_inspired_grant_program.html

    9. The DOT Disadvantaged Business Enterprise (DBE) program is intended to ensure nondiscrimination in the award and administration of DOT-assisted contracts in the Department s highway, transit, airport, and highway safety financial assistance programs. Learn more at www.businessgrants.org/opportunities/dot_disadvantaged_business_enterprise_program.html

    10. The Small Business Innovation Research (SBIR) program provides grant funding to small businesses to engage in biomedical or behavioral research/development that leads to a potential for commercialization. Go to www.businessgrants.org/opportunities/sbir_small_business_research_innovation_grants.html

    To learn about more 2014 business grant programs, visit www.BusinessGrants.org .

    

    RELATED STORIES




    The Top 10 Grants Available to Black, Minority Business Owners #new #business

    #minority business grants

    #

    Free Money? The Top 10 Grants Available to Black, Minority Business Owners

    Every year billions of dollars are awarded in the form of free money and other types of funding. Most people know this money exists, but just don t know where to apply, how much they qualify for, or even where to get an application.

    Contrary to popular belief, free money is available to entrepreneurs. Real business grants do exist. In fact, hundreds of black and minority-owned businesses each year receive such grant funding from various government agencies and nonprofit organizations, reports BlackNews.com. Such funds do not have to be repaid, but must be used to either start a new business or enhance an existing one. Others can be used for innovation research.

    Here are the top 10 small and minority business grant programs available:

    1. The FedEx Small Business Grant Contest is a nationwide competition that will award $50,000 in total to six deserving U.S-based entrepreneurs and business owners. Go to www.businessgrants.org/opportunities/fedex_small_business_grant_contest.html

    2. The National Association for the Self Employed (NASE) Growth Grants Program allows business owners to apply for financing a particular small business need. Past recipients used funds to purchase computers, hire part-time help, and create marketing materials. Visit www.businessgrants.org/opportunities/national_association_self_employed_nase_business_grants.html

    3. The Dare to Dream Grant Program encourages students to move through the business creation process by offering business development seminars and up to $10,000 in funding. Learn more at www.businessgrants.org/opportunities/dare_to_dream_grant_program.html

    4. The Miller Lite Tap the Future Business Plan Competition (formerly known as the MillerCoors Urban Entrepreneur Series) is an annual competition for minority business owners sponsored by Miller Lite. Designed to economically empower minority businesses, the program continues to invest in entrepreneurial dreams to empower urban communities. Learn more at MLTaptheFuture.com

    5. The Small Business Administration (SBA) administers several competitive business grant programs, ensuring that the nation s small, high-tech, innovative businesses are a significant part of the federal government s research and development efforts. Check out www.businessgrants.org/opportunities/sbir_small_business_research_innovation_grants.html

    6. The Minority Business Development Agency (MBDA) organizes various angel investors with the primary objective of supporting minority businesses with mezzanine and second round financing. Learn more at www.businessgrants.org/opportunities/minority_business_development_agency_mbda_business_grants.html

    7. The Rural Business Enterprise Grants (RBEG) Program provides grants to finance the development of small and emerging businesses in rural areas. The funds can be used for land acquisition, construction, renovation, technical assistance, project planning, and more. Visit www.businessgrants.org/opportunities/rural_business_enterprise_grants_rbeg_program.html

    8. The Huggies MomInspired Grant Program awards grants and business resources to moms to further the development of original product ideas and startup businesses. Learn more at www.businessgrants.org/opportunities/huggies_mom_inspired_grant_program.html

    9. The DOT Disadvantaged Business Enterprise (DBE) program is intended to ensure nondiscrimination in the award and administration of DOT-assisted contracts in the Department s highway, transit, airport, and highway safety financial assistance programs. Learn more at www.businessgrants.org/opportunities/dot_disadvantaged_business_enterprise_program.html

    10. The Small Business Innovation Research (SBIR) program provides grant funding to small businesses to engage in biomedical or behavioral research/development that leads to a potential for commercialization. Go to www.businessgrants.org/opportunities/sbir_small_business_research_innovation_grants.html

    To learn about more 2014 business grant programs, visit www.BusinessGrants.org .

    

    RELATED STORIES




    What kinds of government loans are available to homebuyers? #world #business #news

    #government loans

    #

    Mortgage Basics FAQ

    4. What kinds of government loans are available to homebuyers?

    Several federal, state, and local government financing programs are available to homebuyers. The two main federal programs are:

    FHA loans. The Federal Housing Administration (FHA), an agency of the Department of Housing and Urban Development (HUD), offers insurance backing to loans made to U.S. citizens, permanent residents, and noncitizens with work permits who meet financial qualification rules. Under its most popular program, if the buyer defaults and the lender forecloses, the FHA pays 100% of the amount insured. This loan insurance lets qualified people buy affordable houses. The major attraction of an FHA-insured loan is that people with passable credit scores can put down as little as 3.5%. Another plus is that, unlike with conventional loans, FHA-backed loans allow the entire down payment and costs costs to come from a gift (perhaps from family). The downside is that FHA loans have a maximum loan limit that varies depending on the average cost of housing in a given region. (Find out FHA’s loan limits at www.fha.com by clicking on “2014 FHA Limits.”) Also, you’ll have to pay MIP (mortgage insurance premium) as part of an FHA loan. For more information on FHA loan programs, contact a regional office of HUD or check the FHA website at www.hud.gov .

    VA loans. U.S. Department of Veterans Affairs (VA) loans are available to men and women who are now in the military and to veterans with honorable discharges who meet specific eligibility rules relating to length of service, credit history, and recent employment, as well as eligible surviving spouses. The VA doesn’t make mortgage loans, but guarantees part of the house loan you get from a bank, savings and loan, or other private lender. If you default, the VA pays the lender the amount guaranteed and you, in turn, will owe the VA. This guarantee makes it easier for veterans to get favorable loan terms with low or no down payment and no PMI (private mortgage insurance). (Conventional mortgages have PMI and FHA loans have MIP.) For more information, check www.va.gov or contact a regional VA office for advice.

    Other government loan programs. For information on other government loans, contact your state and local housing offices. They often have programs available for first-time homebuyers who are purchasing modestly priced properties. To find your state housing office, check the State and Local Government on the Net Directory at http://statelocalgov.net. Or go to your state’s home page, where you may find the listing for your state’s housing office.

    • What is private mortgage insurance (PMI)?
    • Does it make sense to pay more points for a lower interest rate?

    Talk to a Lawyer

    Need a lawyer? Start here.

    How It Works

    1. Briefly tell us about your case
    2. Provide your contact information
    3. Connect with local attorneys

    Legal Information More from Nolo

    Selling Your House

    The Foreclosure Survival Guide

    Related Products

    Arizona Quitclaim Deed

    Texas Deed Without Warranty

    Washington Quitclaim Deed

    How to Buy a House in California

    Arizona Quitclaim Deed

    Texas Deed Without Warranty

    Washington Quitclaim Deed

    How to Buy a House in California

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    Services

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    Directory

    Free Legal
    Information

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    Connect With Us





    Grants for starting a business: What small business grants are available?: Starting

    #loans for starting a business

    #

    Grants for starting a business: What small business grants are available?

    If you’re a small business owner or thinking of starting a business, finance is probably your biggest concern. You may be wondering if there is any funding available for start-ups.

    The simple answer is yes, but getting your hands on it can be a complicated and rather stressful process. There are countless schemes, each with their own set of criteria, which you can apply for when you’re on the verge of starting a business.

    Action point: Need a loan to start a business of your own? See how we can help here and here

    Start-up funding is out there to be claimed, yet every year we receive stories of piles of cash sitting in accounts and not being invested. It’s not because you don’t need the cash, but it’s because navigating through the grants jungle can leave you wishing you were still employed.

    Types of business support

    All publicly funded schemes are designed to encourage new and growing businesses, to bring wealth and ultimately create jobs. To help achieve this the government makes available a portion of taxpayers’ money to help and encourage enterprise through small business grants.

    This cash gets distributed through a variety of ministries, departments, agencies and quangos on a national and local basis. Most businesses are eligible at any one time to apply for a number of different business start-up grants and support schemes which are distributed in a wide variety of forms.
    s
    Government grant resource the business finance support finder is a great tool to help those starting a business find relevant funding to suit their needs and you are able to customise your search by your business location, size, and type of business activity.

    Want to read more on grants?

    Government business grants available

    Direct grant

    This is a cash award, which is usually given out for activities such as training, employment, export development, recruitment and capital investment projects. With a direct grant most schemes usually require the company involved to put up around 50% of the cost.

    The government s ‘business finance support finder’ directory has over 300 direct grants agencies listed such as UK business “innovation” organisation the Technology Strategy Board. The directory also features various local grants providers which are facilitated by the government’s £3.2bn Regional Growth Fund. such as Catalyst for Growth which has direct grants of £5,000 to £500,000 available for chemical start-ups launching in the North West of England.

    Soft loan

    A soft loan is a special type of grant where the terms and conditions of repayment are more generous (or softer) than they would be under normal financial circumstances. So, for example, the interest rates may be less, or there may be no interest to pay at all, and the repayment terms could also be for a longer period.

    There are hundreds of organisations that offer soft loans and guarantees but the most notable is government-funded scheme Start Up Loans which offers new businesses loans of up to £25,000 for 6% interest with a 12 month repayment “holiday”. To date it has helped to fund over 10,000 start-ups with over £50m invested. You can find out more about the Start Up Loans scheme here. (If you need a higher value business loan, fill out our business loans form and we may be able to put you in touch with the right people).

    If you’re starting a social enterprise or charity there are organisations such as Big Issue Invest. the investment arm of the Big Issue, which has soft loans from £50,000 to £1m available for positive impact, socially-driven entrepreneurs and also operates ‘participation loans’ where repayment is linked to future performance of the enterprise.

    For young entrepreneurs aged between 18-30, The Prince s Trust provides soft loans of up to £4,000, as well as support for your business idea, with interest capped at 3% and repayments spread over a period of two to five years.

    Equity finance

    With equity finance a capital sum is injected into the business and the provider of the funds takes an equity share of the enterprise. When the value of the firm increases the stake can then be returned. However, unlike venture capitalists, the expectations and requirements of the providers of public funds are usually less demanding.

    It is also worth noting the government Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) which help companies raise finance by providing tax relief to investors who buy a share in your business.

    Free or subsidised consultancy

    Start-ups can often find themselves in the situation where they are lacking a particular set of skills and there are some specially run schemes which provide this knowledge either for free or at subsidised rates. For instance, the Welsh government runs a business support service offering free, independent advice on starting a business and operates an instant hotline for business queries.

    Access to resources

    As with a lack of skills, it can be the case that start-ups do not possess the physical resources or facilities they need in order to develop particular projects. In the same way there are a number of initiatives, particularly incubator and accelerator schemes, that can help overcome these concerns by providing access to publicly owned facilities. One such initiative is the department for business, innovation and skills’ (DBIS) GrowthAccelerator which provides advice and coaching to fast-growth businesses with fewer than 250 employees.

    Technology and Best Practice transfer

    The transfer of technological advances and new best practice initiatives can often take a long time filtering down to smaller businesses. The government has set up schemes which aim to overcome this through business support networks and there is now a number of well-established best practice initiatives such as Investors in People (IIP), which specialises in business tools and resources.

    Cost sharing

    When it comes to research and development, the costs involved can prevent small firms from taking part. However, by sharing the costs with other businesses, and then sharing the expertise, this problem can be avoided.

    To find out more about grants for starting a business, visit our dedicated small business grants channel here .

    Useful business start up tools

    Forum post of the week

    Want to run a more profitable business?

    More from Startups





    Are there any government loans available? #own #your #own #business #ideas

    #government small business loans

    #

    Mr Mark Brennan commenced in his role as the Australian Small Business Commissioner on 2 January 2013.

    Dr Craig Latham commenced in his role as Deputy Small Business Commissioner on 21 May 2013.

    The role of the Australian Small Business Commissioner is to represent small business interests and concerns to the Australian Government.

    There are Small Business Commissioners in Victoria, New South Wales, Western Australia and South Australia.

    If you are in a business dispute, Dispute Support can assist you to find the right dispute resolution service

    A good understanding of your dispute will help you to make informed decisions about the best way to try to resolve the dispute.

    Tips from the Australian Small Business Commissioner to help you build strong business relationships and avoid disputes

    Find out about dispute resolution services available in your state or territory.

    There are publications available to assist you to understand, manage and prevent disputes.

    It is difficult to know where to begin when starting your own business. It’s important to consider whether you really understand what’s involved and that you are aware of your tax and legal obligations.

    Are you are thinking about expanding your business? Here are some suggestions that could help you grow your business.

    Once you decide to sell or pass on your business, you need to consider how much your business is worth, the best time to sell and whether you should make use of a broker or other professionals to maximise selling opportunities.

    There are resources available to assist you with starting and growing your business.

    The family business sector accounts for 70% of all businesses in Australia.

    Family Business Australia’s top ten tips for surviving a family business.

    Family Business Australia’s best practice principles for family business.

    Read case studies from family businesses.

    Find out about upcoming events and training tailored for family businesses

    Find answers to the most frequently asked questions about starting, growing and exiting a business.

    Planning should always be the first step in developing a business.

    Checklists that contain a series of questions to guide you through the various stages of setting up your business including before you start, when you start, when you buy and when you run your business.

    Links to help guide your business.

    View news articles from the Australian Small Business Commissioner.

    Find out about upcoming small business events that Commissioner and his Office are involved in.

    Keep up to date with the Commissioner’s newsletter.

    View submissions and reports by the Office of the Australian Small Business Commissioner

    The latest small business news from across the Australian Government, including ACCC, ASIC, ATO and business.gov.au

    View blog posts from the Australian Small Business Commissioner.

    View series of related blog posts.

    Top 5 FAQs

    Easy way to stay up to date

    Are there any government loans available?

    Support





    The Top 10 Grants Available to Black, Minority Business Owners #business #games

    #minority business grants

    #

    Free Money? The Top 10 Grants Available to Black, Minority Business Owners

    Every year billions of dollars are awarded in the form of free money and other types of funding. Most people know this money exists, but just don t know where to apply, how much they qualify for, or even where to get an application.

    Contrary to popular belief, free money is available to entrepreneurs. Real business grants do exist. In fact, hundreds of black and minority-owned businesses each year receive such grant funding from various government agencies and nonprofit organizations, reports BlackNews.com. Such funds do not have to be repaid, but must be used to either start a new business or enhance an existing one. Others can be used for innovation research.

    Here are the top 10 small and minority business grant programs available:

    1. The FedEx Small Business Grant Contest is a nationwide competition that will award $50,000 in total to six deserving U.S-based entrepreneurs and business owners. Go to www.businessgrants.org/opportunities/fedex_small_business_grant_contest.html

    2. The National Association for the Self Employed (NASE) Growth Grants Program allows business owners to apply for financing a particular small business need. Past recipients used funds to purchase computers, hire part-time help, and create marketing materials. Visit www.businessgrants.org/opportunities/national_association_self_employed_nase_business_grants.html

    3. The Dare to Dream Grant Program encourages students to move through the business creation process by offering business development seminars and up to $10,000 in funding. Learn more at www.businessgrants.org/opportunities/dare_to_dream_grant_program.html

    4. The Miller Lite Tap the Future Business Plan Competition (formerly known as the MillerCoors Urban Entrepreneur Series) is an annual competition for minority business owners sponsored by Miller Lite. Designed to economically empower minority businesses, the program continues to invest in entrepreneurial dreams to empower urban communities. Learn more at MLTaptheFuture.com

    5. The Small Business Administration (SBA) administers several competitive business grant programs, ensuring that the nation s small, high-tech, innovative businesses are a significant part of the federal government s research and development efforts. Check out www.businessgrants.org/opportunities/sbir_small_business_research_innovation_grants.html

    6. The Minority Business Development Agency (MBDA) organizes various angel investors with the primary objective of supporting minority businesses with mezzanine and second round financing. Learn more at www.businessgrants.org/opportunities/minority_business_development_agency_mbda_business_grants.html

    7. The Rural Business Enterprise Grants (RBEG) Program provides grants to finance the development of small and emerging businesses in rural areas. The funds can be used for land acquisition, construction, renovation, technical assistance, project planning, and more. Visit www.businessgrants.org/opportunities/rural_business_enterprise_grants_rbeg_program.html

    8. The Huggies MomInspired Grant Program awards grants and business resources to moms to further the development of original product ideas and startup businesses. Learn more at www.businessgrants.org/opportunities/huggies_mom_inspired_grant_program.html

    9. The DOT Disadvantaged Business Enterprise (DBE) program is intended to ensure nondiscrimination in the award and administration of DOT-assisted contracts in the Department s highway, transit, airport, and highway safety financial assistance programs. Learn more at www.businessgrants.org/opportunities/dot_disadvantaged_business_enterprise_program.html

    10. The Small Business Innovation Research (SBIR) program provides grant funding to small businesses to engage in biomedical or behavioral research/development that leads to a potential for commercialization. Go to www.businessgrants.org/opportunities/sbir_small_business_research_innovation_grants.html

    To learn about more 2014 business grant programs, visit www.BusinessGrants.org .

    

    RELATED STORIES




    What kinds of government loans are available to homebuyers? #business #coaching

    #government loans

    #

    Mortgage Basics FAQ

    4. What kinds of government loans are available to homebuyers?

    Several federal, state, and local government financing programs are available to homebuyers. The two main federal programs are:

    FHA loans. The Federal Housing Administration (FHA), an agency of the Department of Housing and Urban Development (HUD), offers insurance backing to loans made to U.S. citizens, permanent residents, and noncitizens with work permits who meet financial qualification rules. Under its most popular program, if the buyer defaults and the lender forecloses, the FHA pays 100% of the amount insured. This loan insurance lets qualified people buy affordable houses. The major attraction of an FHA-insured loan is that people with passable credit scores can put down as little as 3.5%. Another plus is that, unlike with conventional loans, FHA-backed loans allow the entire down payment and costs costs to come from a gift (perhaps from family). The downside is that FHA loans have a maximum loan limit that varies depending on the average cost of housing in a given region. (Find out FHA’s loan limits at www.fha.com by clicking on “2014 FHA Limits.”) Also, you’ll have to pay MIP (mortgage insurance premium) as part of an FHA loan. For more information on FHA loan programs, contact a regional office of HUD or check the FHA website at www.hud.gov .

    VA loans. U.S. Department of Veterans Affairs (VA) loans are available to men and women who are now in the military and to veterans with honorable discharges who meet specific eligibility rules relating to length of service, credit history, and recent employment, as well as eligible surviving spouses. The VA doesn’t make mortgage loans, but guarantees part of the house loan you get from a bank, savings and loan, or other private lender. If you default, the VA pays the lender the amount guaranteed and you, in turn, will owe the VA. This guarantee makes it easier for veterans to get favorable loan terms with low or no down payment and no PMI (private mortgage insurance). (Conventional mortgages have PMI and FHA loans have MIP.) For more information, check www.va.gov or contact a regional VA office for advice.

    Other government loan programs. For information on other government loans, contact your state and local housing offices. They often have programs available for first-time homebuyers who are purchasing modestly priced properties. To find your state housing office, check the State and Local Government on the Net Directory at http://statelocalgov.net. Or go to your state’s home page, where you may find the listing for your state’s housing office.

    • What is private mortgage insurance (PMI)?
    • Does it make sense to pay more points for a lower interest rate?

    Talk to a Lawyer

    Need a lawyer? Start here.

    How It Works

    1. Briefly tell us about your case
    2. Provide your contact information
    3. Connect with local attorneys

    Legal Information More from Nolo

    Selling Your House

    The Foreclosure Survival Guide

    Related Products

    Arizona Quitclaim Deed

    Texas Deed Without Warranty

    Washington Quitclaim Deed

    How to Buy a House in California

    Arizona Quitclaim Deed

    Texas Deed Without Warranty

    Washington Quitclaim Deed

    How to Buy a House in California

    Related Ads

    Company
    Information

    Products
    Services

    Lawyer
    Directory

    Free Legal
    Information

    Sales

    Connect With Us





    Grants for starting a business: What small business grants are available?: Starting

    #loans for starting a business

    #

    Grants for starting a business: What small business grants are available?

    If you’re a small business owner or thinking of starting a business, finance is probably your biggest concern. You may be wondering if there is any funding available for start-ups.

    The simple answer is yes, but getting your hands on it can be a complicated and rather stressful process. There are countless schemes, each with their own set of criteria, which you can apply for when you’re on the verge of starting a business.

    Action point: Need a loan to start a business of your own? See how we can help here and here

    Start-up funding is out there to be claimed, yet every year we receive stories of piles of cash sitting in accounts and not being invested. It’s not because you don’t need the cash, but it’s because navigating through the grants jungle can leave you wishing you were still employed.

    Types of business support

    All publicly funded schemes are designed to encourage new and growing businesses, to bring wealth and ultimately create jobs. To help achieve this the government makes available a portion of taxpayers’ money to help and encourage enterprise through small business grants.

    This cash gets distributed through a variety of ministries, departments, agencies and quangos on a national and local basis. Most businesses are eligible at any one time to apply for a number of different business start-up grants and support schemes which are distributed in a wide variety of forms.
    s
    Government grant resource the business finance support finder is a great tool to help those starting a business find relevant funding to suit their needs and you are able to customise your search by your business location, size, and type of business activity.

    Want to read more on grants?

    Government business grants available

    Direct grant

    This is a cash award, which is usually given out for activities such as training, employment, export development, recruitment and capital investment projects. With a direct grant most schemes usually require the company involved to put up around 50% of the cost.

    The government s ‘business finance support finder’ directory has over 300 direct grants agencies listed such as UK business “innovation” organisation the Technology Strategy Board. The directory also features various local grants providers which are facilitated by the government’s £3.2bn Regional Growth Fund. such as Catalyst for Growth which has direct grants of £5,000 to £500,000 available for chemical start-ups launching in the North West of England.

    Soft loan

    A soft loan is a special type of grant where the terms and conditions of repayment are more generous (or softer) than they would be under normal financial circumstances. So, for example, the interest rates may be less, or there may be no interest to pay at all, and the repayment terms could also be for a longer period.

    There are hundreds of organisations that offer soft loans and guarantees but the most notable is government-funded scheme Start Up Loans which offers new businesses loans of up to £25,000 for 6% interest with a 12 month repayment “holiday”. To date it has helped to fund over 10,000 start-ups with over £50m invested. You can find out more about the Start Up Loans scheme here. (If you need a higher value business loan, fill out our business loans form and we may be able to put you in touch with the right people).

    If you’re starting a social enterprise or charity there are organisations such as Big Issue Invest. the investment arm of the Big Issue, which has soft loans from £50,000 to £1m available for positive impact, socially-driven entrepreneurs and also operates ‘participation loans’ where repayment is linked to future performance of the enterprise.

    For young entrepreneurs aged between 18-30, The Prince s Trust provides soft loans of up to £4,000, as well as support for your business idea, with interest capped at 3% and repayments spread over a period of two to five years.

    Equity finance

    With equity finance a capital sum is injected into the business and the provider of the funds takes an equity share of the enterprise. When the value of the firm increases the stake can then be returned. However, unlike venture capitalists, the expectations and requirements of the providers of public funds are usually less demanding.

    It is also worth noting the government Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) which help companies raise finance by providing tax relief to investors who buy a share in your business.

    Free or subsidised consultancy

    Start-ups can often find themselves in the situation where they are lacking a particular set of skills and there are some specially run schemes which provide this knowledge either for free or at subsidised rates. For instance, the Welsh government runs a business support service offering free, independent advice on starting a business and operates an instant hotline for business queries.

    Access to resources

    As with a lack of skills, it can be the case that start-ups do not possess the physical resources or facilities they need in order to develop particular projects. In the same way there are a number of initiatives, particularly incubator and accelerator schemes, that can help overcome these concerns by providing access to publicly owned facilities. One such initiative is the department for business, innovation and skills’ (DBIS) GrowthAccelerator which provides advice and coaching to fast-growth businesses with fewer than 250 employees.

    Technology and Best Practice transfer

    The transfer of technological advances and new best practice initiatives can often take a long time filtering down to smaller businesses. The government has set up schemes which aim to overcome this through business support networks and there is now a number of well-established best practice initiatives such as Investors in People (IIP), which specialises in business tools and resources.

    Cost sharing

    When it comes to research and development, the costs involved can prevent small firms from taking part. However, by sharing the costs with other businesses, and then sharing the expertise, this problem can be avoided.

    To find out more about grants for starting a business, visit our dedicated small business grants channel here .

    Useful business start up tools

    Forum post of the week

    Want to run a more profitable business?

    More from Startups





    Are there any government loans available? #government #loans

    #government small business loans

    #

    Mr Mark Brennan commenced in his role as the Australian Small Business Commissioner on 2 January 2013.

    Dr Craig Latham commenced in his role as Deputy Small Business Commissioner on 21 May 2013.

    The role of the Australian Small Business Commissioner is to represent small business interests and concerns to the Australian Government.

    There are Small Business Commissioners in Victoria, New South Wales, Western Australia and South Australia.

    If you are in a business dispute, Dispute Support can assist you to find the right dispute resolution service

    A good understanding of your dispute will help you to make informed decisions about the best way to try to resolve the dispute.

    Tips from the Australian Small Business Commissioner to help you build strong business relationships and avoid disputes

    Find out about dispute resolution services available in your state or territory.

    There are publications available to assist you to understand, manage and prevent disputes.

    It is difficult to know where to begin when starting your own business. It’s important to consider whether you really understand what’s involved and that you are aware of your tax and legal obligations.

    Are you are thinking about expanding your business? Here are some suggestions that could help you grow your business.

    Once you decide to sell or pass on your business, you need to consider how much your business is worth, the best time to sell and whether you should make use of a broker or other professionals to maximise selling opportunities.

    There are resources available to assist you with starting and growing your business.

    The family business sector accounts for 70% of all businesses in Australia.

    Family Business Australia’s top ten tips for surviving a family business.

    Family Business Australia’s best practice principles for family business.

    Read case studies from family businesses.

    Find out about upcoming events and training tailored for family businesses

    Find answers to the most frequently asked questions about starting, growing and exiting a business.

    Planning should always be the first step in developing a business.

    Checklists that contain a series of questions to guide you through the various stages of setting up your business including before you start, when you start, when you buy and when you run your business.

    Links to help guide your business.

    View news articles from the Australian Small Business Commissioner.

    Find out about upcoming small business events that Commissioner and his Office are involved in.

    Keep up to date with the Commissioner’s newsletter.

    View submissions and reports by the Office of the Australian Small Business Commissioner

    The latest small business news from across the Australian Government, including ACCC, ASIC, ATO and business.gov.au

    View blog posts from the Australian Small Business Commissioner.

    View series of related blog posts.

    Top 5 FAQs

    Easy way to stay up to date

    Are there any government loans available?

    Support





    Are there any government loans available? #loan #to #start #a #business

    #government small business loans

    #

    Mr Mark Brennan commenced in his role as the Australian Small Business Commissioner on 2 January 2013.

    Dr Craig Latham commenced in his role as Deputy Small Business Commissioner on 21 May 2013.

    The role of the Australian Small Business Commissioner is to represent small business interests and concerns to the Australian Government.

    There are Small Business Commissioners in Victoria, New South Wales, Western Australia and South Australia.

    If you are in a business dispute, Dispute Support can assist you to find the right dispute resolution service

    A good understanding of your dispute will help you to make informed decisions about the best way to try to resolve the dispute.

    Tips from the Australian Small Business Commissioner to help you build strong business relationships and avoid disputes

    Find out about dispute resolution services available in your state or territory.

    There are publications available to assist you to understand, manage and prevent disputes.

    It is difficult to know where to begin when starting your own business. It’s important to consider whether you really understand what’s involved and that you are aware of your tax and legal obligations.

    Are you are thinking about expanding your business? Here are some suggestions that could help you grow your business.

    Once you decide to sell or pass on your business, you need to consider how much your business is worth, the best time to sell and whether you should make use of a broker or other professionals to maximise selling opportunities.

    There are resources available to assist you with starting and growing your business.

    The family business sector accounts for 70% of all businesses in Australia.

    Family Business Australia’s top ten tips for surviving a family business.

    Family Business Australia’s best practice principles for family business.

    Read case studies from family businesses.

    Find out about upcoming events and training tailored for family businesses

    Find answers to the most frequently asked questions about starting, growing and exiting a business.

    Planning should always be the first step in developing a business.

    Checklists that contain a series of questions to guide you through the various stages of setting up your business including before you start, when you start, when you buy and when you run your business.

    Links to help guide your business.

    View news articles from the Australian Small Business Commissioner.

    Find out about upcoming small business events that Commissioner and his Office are involved in.

    Keep up to date with the Commissioner’s newsletter.

    View submissions and reports by the Office of the Australian Small Business Commissioner

    The latest small business news from across the Australian Government, including ACCC, ASIC, ATO and business.gov.au

    View blog posts from the Australian Small Business Commissioner.

    View series of related blog posts.

    Top 5 FAQs

    Easy way to stay up to date

    Are there any government loans available?

    Support





    The Top 10 Grants Available to Black, Minority Business Owners #sba #business

    #minority business grants

    #

    Free Money? The Top 10 Grants Available to Black, Minority Business Owners

    Every year billions of dollars are awarded in the form of free money and other types of funding. Most people know this money exists, but just don t know where to apply, how much they qualify for, or even where to get an application.

    Contrary to popular belief, free money is available to entrepreneurs. Real business grants do exist. In fact, hundreds of black and minority-owned businesses each year receive such grant funding from various government agencies and nonprofit organizations, reports BlackNews.com. Such funds do not have to be repaid, but must be used to either start a new business or enhance an existing one. Others can be used for innovation research.

    Here are the top 10 small and minority business grant programs available:

    1. The FedEx Small Business Grant Contest is a nationwide competition that will award $50,000 in total to six deserving U.S-based entrepreneurs and business owners. Go to www.businessgrants.org/opportunities/fedex_small_business_grant_contest.html

    2. The National Association for the Self Employed (NASE) Growth Grants Program allows business owners to apply for financing a particular small business need. Past recipients used funds to purchase computers, hire part-time help, and create marketing materials. Visit www.businessgrants.org/opportunities/national_association_self_employed_nase_business_grants.html

    3. The Dare to Dream Grant Program encourages students to move through the business creation process by offering business development seminars and up to $10,000 in funding. Learn more at www.businessgrants.org/opportunities/dare_to_dream_grant_program.html

    4. The Miller Lite Tap the Future Business Plan Competition (formerly known as the MillerCoors Urban Entrepreneur Series) is an annual competition for minority business owners sponsored by Miller Lite. Designed to economically empower minority businesses, the program continues to invest in entrepreneurial dreams to empower urban communities. Learn more at MLTaptheFuture.com

    5. The Small Business Administration (SBA) administers several competitive business grant programs, ensuring that the nation s small, high-tech, innovative businesses are a significant part of the federal government s research and development efforts. Check out www.businessgrants.org/opportunities/sbir_small_business_research_innovation_grants.html

    6. The Minority Business Development Agency (MBDA) organizes various angel investors with the primary objective of supporting minority businesses with mezzanine and second round financing. Learn more at www.businessgrants.org/opportunities/minority_business_development_agency_mbda_business_grants.html

    7. The Rural Business Enterprise Grants (RBEG) Program provides grants to finance the development of small and emerging businesses in rural areas. The funds can be used for land acquisition, construction, renovation, technical assistance, project planning, and more. Visit www.businessgrants.org/opportunities/rural_business_enterprise_grants_rbeg_program.html

    8. The Huggies MomInspired Grant Program awards grants and business resources to moms to further the development of original product ideas and startup businesses. Learn more at www.businessgrants.org/opportunities/huggies_mom_inspired_grant_program.html

    9. The DOT Disadvantaged Business Enterprise (DBE) program is intended to ensure nondiscrimination in the award and administration of DOT-assisted contracts in the Department s highway, transit, airport, and highway safety financial assistance programs. Learn more at www.businessgrants.org/opportunities/dot_disadvantaged_business_enterprise_program.html

    10. The Small Business Innovation Research (SBIR) program provides grant funding to small businesses to engage in biomedical or behavioral research/development that leads to a potential for commercialization. Go to www.businessgrants.org/opportunities/sbir_small_business_research_innovation_grants.html

    To learn about more 2014 business grant programs, visit www.BusinessGrants.org .

    

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