Home, PartnerRe, business first.#Business #first

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A true partner is focused on your goals. First.

As a privately-owned, pure-play reinsurer, PartnerRe gives each client our undivided focus. We have the scale and expertise to meet our clients’ needs across virtually all markets, risks, business lines and products, while we remain small enough to be adaptive and responsive.

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A committed partner listens and builds trust.

Relationships are central to our business. We hold open, honest conversations with our clients to ensure that we understand their challenges. Our goal is to build strong, enduring relationships based on a deep knowledge of our clients’ businesses, so that we can be a more resourceful and relevant risk-discussion partner.

Business first Business first

A strong partner is a reliable partner.

PartnerRe’s technical expertise and focus on clients is backed by a strong balance sheet. Our long-respected, disciplined approach to maintaining financial integrity makes us a partner clients can rely on, providing stability in times of uncertainty.

Business first Business first

A smart partner offers solutions, not just security.

Our expert teams are dedicated to serving our clients as proactive partners, who can look at their business insightfully and holistically to uncover new opportunities. Our deep technical knowledge is combined with commercial sensibility to deliver both standardized and innovative, customized solutions for client needs.

Partnership begins with a conversation.

Click the Partner With Us button to find the right contact for your business anywhere in the world.

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PartnerRe combines a striking balance of technical expertise and strong personal relationships to develop solutions that fuel our clients’ success.

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Stay up to date on our earnings results, executive appointments, events around the globe and other PartnerRe news.

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Financial Strength

Total Capital (June 30, 2017)

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Standard & Poor’s March 24, 2017

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Moody’s* August 4, 2015

*Applies to Partner Reinsurance Company Ltd. and Partner Reinsurance Company of the U.S.

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Business News, The Chronicle Herald, business first.#Business #first

business first

Business first

COMMENTARY: Save protected areas from mining

Business first

Lunenburg native wins Startup Canada’s Young Entrepreneur Award

Business first

Blueberry growers face price crisis

Business first

How Canada turned to Mexico to fend off TPP pressure from Japan, Australia

Business first

VIDEO: Canada’s decision to decline TPP agreement shouldn’t have been surprise: Trudeau

Business first

Asia-Pacific forum sticks to free-trade gospel despite Trump

Business first

US cities, states defy Trump, still back Paris climate deal

Newcap Radio buys two New Glasgow stations

BUSINESS BOOKSHELF: The Power of Trust

Business first

Weinstein’s Impact: List of men accused of sexual misconduct

Business first

Crocs, Dawgs decade-long legal battle over clogs moves to Canadian courts

Most actively traded companies on the TSX

Business first

Sherritt to transfer part ownership of Madagascar mine to settled debt woes

Business first

Cominar looking for Sears replacements after toiling to fill Target locations

Business first

Ottawa’s plan for excise tax on medical marijuana draws ire of patients, producers

Business first

Trudeau embrace of TPP could hurt tough NAFTA talks with Trump: experts

Business first

Alberta puts up $40M to help workers transition during coal-power phase-out

Business first





How to Apply for Your First Business Loan #start #a #business #ideas

#apply for a business loan

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How to Apply for Your First Business Loan

Continue Reading Below

Unless you plan to fund this enterprise solely with savings—not recommended unless you are fabulously wealthy—you’ll need a business loan. As any lender can tell you, the better prepared you are before making your request for business credit. the greater the likelihood of getting approved.

Part of this preparation is understanding what bankers will need to approve you. Banks make a major portion of their profits from loans. They’re not in the business of saying no; they just say it when your application doesn’t meet lending requirements, which are much stricter now than before the financial crisis. But be aware that start-ups are almost always considered risky bets, and many lenders are reluctant to finance them. Also know that many larger banks won’t even consider small loans, which are less profitable than larger loans but require the same amount of time to analyze and administer.

Don’t let these discourage you. Get organized. How small is small? According to the Small Business Administration (SBA), the median small business loan from a financial institution is roughly $135,000, with highest around $250,000. SBA loans, which are not underwritten by the US Government but by SBA partners (lenders, community development organizations and microlending institutions), range from $5,000 (a microloan) to $5 million, with the average around $371,000.

Do Your Homework So what exactly are lenders looking for? Basically, they’re searching for clues that your business will be able to repay the loan, plus interest, with metronomic regularity. Most financial institutions will expect the loan to be fully secured. either with business assets or personal collateral. Having some skin in the game, meaning you have your own equity invested in the business, strongly works in your favor.

Lenders also will be looking at opportunities to profit from your success, so as your business grows, so will your business relationship. The buzzword in banking circles these days is cross-selling, so your business loan provider may also seek to be the issuer of your business’s credit cards and holder of your treasury accounts. Lenders will also be looking at you—your personal finance record, your credit score. your assets, your work experience, and your character. If you’re starting a business for the first time, having partners with the experience and track record that you lack may also be a requirement.

Continue Reading Below

The Questions You Need to Answer Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, on the right side of the chart. Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, for each of the categories listed below.

Purpose: What will the funds be used for? (Note that banks won’t lend for speculating, passive investments, pyramid sales or gambling.)

Amount: How much money do you want to borrow? Why that particular amount? Term and

Repayment Plan: For how long will you need the money and what is your specific plan for repayment?

Collateral: What assets, business or personal, do you intend to use as collateral? What is their market value? What portion of their value can you use as collateral?

Asset and Liability Statement: Your current, complete business asset and liability financial statements (your balance sheet).

Current Income and Financial Performance Statement: Your current, complete business statement of income and expenses (your profit and loss statement, or P L).

Business Plan Details: Your written plan for your business including goals and action steps, timetable, resource allocation, funding required, and related financial data. You may be asked for cash flow projections for at least a year.

Historic Financial Performance Information: Past business financial performance information under your ownership or under the previous owner’s ownership.

Other Information As Required: Information about you (your C.V. your loan Guarantor—someone who will pledge his/her assets and financials to guarantee repayment of the loan should you default. Guarantors can be a legitimate tipping point factor in getting a “yes” to the credit request.

If You’re Turned Down What do you do if you get a no? Don’t give up. Pursue the reasons for the rejection. Was it a procedural thing—a missing piece of information on the application—or something else? Then ask what would it take to get a yes.

You can then either alter your request accordingly and resubmit it, or take it elsewhere. If you keep hitting a brick wall, consider alternative sources of funding. Many entrepreneurs seek out financing from family and friends. Some use their available credit from credit cards or home equity lines of credit to finance their businesses.

If your no comes from a commercial bank, consider community banks and credit unions, many of which specialize in small business loans. You may also want to look into alternative sources of business credit, like Kabbage.com, which offers cash advances of between $500 and $50,000 to businesses that already have a performance record, such as online sales. If you do decide to go online to fund your business, be sure you understand all of the terms and conditions of the financing, as they can differ from conventional small business loans.





First Citizens Bank – Banking, Credit Cards, Mortgages, Investing #entrepreneurial #ideas

#business online

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Products designed to help small businesses grow and succeed

Accounts designed to meet business needs

Whether you need just the basics or an account with extra features, First Citizens business banking options make it easy to find the right fit for your specific needs.

Financial options for your business investments

First Citizens gives you a variety of financing options for equipment. Offering customizable terms, we can also help you easily meet your tax, accounting and business cycle cash flow needs.

Solutions to streamline your transactions

With services that make it easier to accept credit and debit card payments and enable you to deposit checks from your office, First Citizens can help improve your transaction efficiency, reduce your costs and boost your bottom line.

Grow your business, and your community, with an SBA loan

As a preferred lender of the U.S. Small Business Administration (SBA), First Citizens offers loans designed to help businesses grow. SBA loans can offer advantages over traditional loans, including lower down payments, longer repayment terms, and greater flexibility to use for a variety of businesses and purposes.

Approved to offer SBA loan products under SBA s Preferred Lender programs.

A simple, cost-effective payroll solution

First Citizens Online Payroll can help simplify and streamline your payroll processes, with features that automatically calculate withholdings, taxes and net pay while also initiating direct deposits to your employees.

Customized options to protect what you ve built

As an independent insurance agency with more than 80 years of experience helping businesses, First Citizens Insurance Services can customize a risk management program to fit your business, and compare insurance options from a variety of carriers on your behalf.

Financial solutions to support your growing business

Commercial Analysis Accounts

Consolidates your business deposit accounts into a single relationship in order to manage cash flow more effectively.

From payroll to wire transfers, payables solutions are designed to help you gain greater control of all of your payment transactions for maximum efficiency.

With solutions that include ACH, eReceivables and Remote Image Deposit, First Citizens can help you streamline the collections process and manage incoming cash.

Quickly and automatically reconcile all checks paid against your First Citizens checking account to help save you time and money in keeping your records current.

Industry Specific Expertise

Our experienced business professionals can provide insight and guidance unique to these specific business sectors.

Business Insights

Strategies for improving cash flow

Learn how to better predict your income and expenses

Financing your business

Financial options to support your business success

Learn how our personal banking products and services can help you minimize costs and maximize your time.

Learn more

Project your business cash flow

Quick Links

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

* Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.

2016 First Citizens Bank

Raleigh – North Hills

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We strongly recommend that you upgrade now.

If you do not upgrade your browser, you may experience functional or display issues on the pages you are attempting to access.

1. Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.





Louisville Business First: 20 People to Know: Trey Riddle #business #cards #free

#business first louisville

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Louisville Business First: 20 People to Know: Trey Riddle

Favorite way to spend time away from work:

Describe your company:

Sunstrand is a manufacturer and supplier of biomaterials for a variety of technical and industrial applications. Our focus markets are polymer composites, plastics and technical nonwovens. Basically, we take raw agricultural feedstocks (bamboo, kenaf, flax, hemp) and manufacture our products that take the form of fibers and fillers (particulates).

Our customers (upstream manufacturers) then incorporate these materials into their products. Ultimately, our materials will be used in a variety of applications, including consumer goods, automotive, building materials and sporting goods.

What is the biggest hurdle for entrepreneurs in the area?

Acquisition of capital is probably the No. 1 most challenging issue facing startups in the area. The community has done a really good job of highlighting some of the bigger names in local investment, but that is just the tip of the iceberg, so to speak.

How do we get below the water line? Additionally, there are way more companies needing capital than investors, and that breeds deal partiality.

What is some advice for people who want to start a company?

Seek out help. I have found that people are generally willing to have open discussions with you about a variety of business-related topics if you just ask nicely. The key in those situation is to not push product, but rather reach out for advice. Be dedicated and stay vigilant — there will be ups and downs. It is not all about the money. If you are not passionate about the business, don’t even think about starting it.

What’s the most interesting question a potential investor has ever asked you?

What is your plan? Not what is the business plan, but where do I see myself personally in 10 years. I think the key here was that the potential investor was interested in my personal goals because he knew that it would affect the business in the long run.

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Consult the Expert – Business First Louisville – CUB: A Kentucky Community

#business first louisville

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Consult the Expert Business First Louisville

Topic:
The Era of Smart Technology

Nearly all of us today have a Smart Phone, but what is a Smart Safe?
A Smart Safe is key to managing the challenges of cash in a retail environment. A Smart Safe automatically accepts, validates and stores notes while recording each transaction.

Smart Safe features include:
• Note Validation – tracks and records each note while checking for counterfeits
• Cash Tracking – deposits tracked by each user of the safe by Login ID
• Reporting – various reports can be generated to streamline reconcilement
• Connectivity – stores can provide online access to an armored car carrier and the bank

Benefits of this technology:
• Eliminates the employee risk of taking cash to a bank branch.
• Can lower expenses associated with armored car services as frequency of pickups may be reduced.
• If your bank has online access to the cash deposits they may be willing to provide you advanced availability even though the cash may still be sitting in the safe. If your business consists of managing large amounts of cash, get safe smart.

Online Banking

Convenient Capture Login

Update Your Contact Info
and Earn $1

Personalize Your Debit Card

Sign Up for eStatements

Use Our Switch Kit to Join Today





Over-the-Rhine Chamber: Cincinnati, Ohio: Business First Grant #business #card #ideas

#business first

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Business First Grant (BFG)

Business Recruitment Initiative for Over-the-Rhine

The mission of the Business First Grant Program (BFG) is to benefit the city by strengthening the local economy, increasing business and employment opportunities, and animating the sidewalks of OTR.


To be eligible for a grant, the incoming business must:

  • Be new to Over-the-Rhine. New businesses and businesses previously established in other locations are permitted to apply. It is preferred that established businesses are currently located outside of the City of Cincinnati boundaries.
  • Occupy a storefront or occupy other location in OTR that is consistent with the neighborhood tenanting strategy.
  • Sign a three-year lease with the landlord (see note below regarding letters of intent).

* The tenant and business owner/landlord negotiate the required build out, renovation and
preparation required of the building and disclose the cost of build out and the monthly rental
amount.
* The incoming tenant/ business will submit a copy of its current business plan to the building
owner/landlord before lease negotiations will be completed.
* Building owners and/or landlords must agree to participate fully in the program and tri-party
meetings will be held between the applicant, Chamber and Landlord.

  • Agree to be open at least 50 hours per week .
  • Submit a complete application prior to opening .

* This includes a thorough and well-organized business plan with a start-up budget and projected
cash flow statements for the first three years of operation.

  • Once awarded funds, agree to actively participate in the Business First mentoring program, which includes attending regular meetings with a mentor to discuss business details and providing annual financial statements for the period of the lease.

* The new business meets with the Mentor to discuss concerns and review financial information
regularly for three years. As needed, a new business owner may be teamed up with an
experienced business owner to work together to address a specific need.
2016 Program Goals

  • Promote diversity among business owners in OTR.
  • Increase customer traffic, safety, and return on investment.
  • Support capital improvement in unused and underutilized storefronts for business occupation in OTR.
  • Mentor and encourage businesses that strengthen the neighborhood as a viable and diverse place to live, work and play.
  • Provide an environment for individuals, entrepreneurs, investors and businesses to thrive.

Desirable businesses include retail, neighborhood services, large employers who hire from within OTR, Women/Minority Business Enterprises, and those that locate in an area that is compatible with the tenanting strategy for the neighborhood. Ineligible businesses include convenience stores, check-cashing services, temporary labor services, churches, social services, not for profits, home-based businesses, and businesses that are not compatible with adjacent residential uses.

Businesses that are selected through the Business First Grant Program s competitive process will be awarded a matching grant up to $20,000 for furniture, fixtures and equipment (FFE) and tenant improvements (TI). The funds will be distributed through a reimbursement process through the OTR Chamber.

Additionally, the BFG Program works to create a support network for the new business. Ongoing mentoring will be provided for the three year duration of the program. The Review Committee will match the new business owner with a committee member mentor based on the needs of the business. The Review Committee may also refer the new business to local business resources to strengthen areas of the business that present a challenge to the business success. A member of the Review Committee will meet with the business owner regularly to address any concerns the business owner may have and assist the business owner in updating her/his Business Plan.

Applications will be reviewed twice annually through a competitive process. Applications will be due December 6, 2016.

Applicants must submit a completed application to the OTR Chamber prior to opening up for business. At the time of application submission, expected project completion date should be within 9 months to a year. The Application form can be downloaded at the bottom of this page. The submission should include a:

  • Professional Business Plan that clearly articulates the business model, industry analysis, demographics of target population, hours of operation and corresponding staffing schedules, experience of personnel, marketing strategy, and includes detailed cash flow projections. (Note, click the link above “Professional Business Plan” to read tips from Forbes)
  • Three Year Lease including the landlord s contact information so the OTR Chamber can contact her/him to discuss the terms of the lease. Please note, a signed letter of intent by landlord and applicant can be submitted initially if a signed lease is not in place at the time of submission. Awarding of any grant money would be contingent upon a signed three year lease.
  • Detailed Build-Out Costs of space clearly defining what will be provided by the landlord and what is the responsibility of the tenant. Detailed budget for FFE is also required.

The applications will be reviewed semi-annually in a competitive process by the Business Attraction and Retention Review Committee.

This program is administered by OTR Chamber of Commerce with the support of a Review Committee to oversee leases, programs and funding.

The Business First Grant program is made possible by the following corporate and foundation partners: BB T, The Carol Ann and Ralph V. Haile, Jr. / U.S. Bank Foundation, Over-the-Rhine Chamber of Commerce, PNC Bank, and P G.





Business Advice: Enterprise First #cool #business #ideas

#business advice

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Business Advice

We offer workshops and events across the South East.

  • Event date: 13/09/2016
    Bookkeeping – Enterprise First
  • Event date: 13/10/2016
    Bookkeeping – Enterprise First
  • Event date: 15/11/2016
    Bookkeeping – Enterprise First
  • Event date: 08/12/2016
    Bookkeeping – Enterprise First
  • First class help and advice
  • Advisor very personable, felt at ease, gave me confidence that I was making the right decision
  • A nice man, easy to talk to and very helpful and gave me some great advice, thank you
  • The key issues for action plans given to me really helped me focus on my next strategy in setting up my business
  • Very helpful; gave me all the info I needed and answered any questions I may have had
  • Good feedback as always from Henry. I’ve come away with some fresh ideas
  • Very Good, very helpful, raised various points
  • Excellent service from a very professional man. Thank you so much

Blog

Enterprise First and Business South merger will bring a boost to Southern regional economy

Enterprise First and Business South merger will bring a boost to Southern regional economy A MERGER has been agreed between two Hampshire based not-for-profit companies with the aim.

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Equifax Free Trial #get #instant #access #to #your #credit #scores, #reports, #and


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Get your Equifax 3-Bureau Credit Scores with your FREE 7-day Trial

with purchase of Equifax Complete Premier

The easy, two-in-one way to stay on top of your credit information and help better protect your identity. Get your Equifax 3-Bureau credit scores with your free 7-day trial when you sign up for Equifax Complete Premier. Monitor your credit 1 and receive financial alerts to help better protect your identity.

Free for your 7-Day Trial, then $19.95 per month.
Feel free to cancel at any time; sorry, no partial month refunds. 2

What you need to know:

Equifax 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. Third parties use many different types of credit scores and will not use the Equifax 3-Bureau credit scores to assess your creditworthiness.

Put the Equifax Power of 3 to Work for You

See your Equifax 3-Bureau Credit Scores as of.

Annual Equifax
3-Bureau Analysis

Get your 3-Bureau credit scores and credit profile annually.


  • Access to your
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    View your Equifax Credit Score anywhere, anytime.


  • Interactive Score Estimator 3

    See how financial decisions could affect your Equifax Credit Score.

    Annual Equifax 3-Bureau Analysis

    Get your 3-Bureau credit scores and credit profile annually.

    Access to your Equifax Credit Score

    View your Equifax Credit Score anywhere, anytime.

    Interactive Score Estimator 3

    See how financial decisions could affect your Equifax Credit Score.

    7 Day Free Trial Feel Free to Cancel Anytime

    Free for your 7-Day Trial, then $19.95 per month.
    Feel free to cancel at any time; sorry, no partial month refunds. 2

    Checking your own credit will NOT harm it.

    The Equifax Credit Score and 3-Bureau credit scores are based on the Equifax Credit Score model. Third parties use many
    different types of credit scores and will not use the Equifax Credit Score or 3-Bureau credit scores to assess your creditworthiness.

    Credit monitoring 1 and Identity Theft protection
    give you more confidence and greater peace of mind

    Lost Wallet Assistance

    If you lose your wallet, we’ll help you cancel and re-issue your cards and ID.


  • Financial Alerts

    Set up financial alerts for key changes or suspicious activity on your banking and credit card accounts.


  • Equifax Credit Score Trending

    Gives you a graphical view of your Equifax Credit Score over time.


  • Identity Theft Insurance 4

    Up to $1 million in ID theft insurance. Helps pay for certain out-of-pocket expenses in the event you are a victim of identity theft.

    The Equifax Credit Score is based on the Equifax Credit Score model. Third parties use many different types of credit scores and will not use the Equifax Credit Score to assess your creditworthiness.

    Equifax Complete Premier

    Free for your 7-Day Trial, then $19.95 per month. Cancel at any time; sorry, no partial month refunds. 2

    What is Credit Monitoring?

    Credit monitoring tracks your credit history in order to detect changes that have happened in your credit history or may help you detect suspicious activity. Having this type of access to your credit history will give you a way to help better protect your identity and monitor changes to your credit.

    Some credit monitoring products also allow you to set credit alerts that will notify you if the information in your credit file changes.
    Learn More

    What is a Credit Score?

    A credit score is a three-digit number, typically between 300 and 850, which is calculated based on information in your credit history. It is a simple, numeric expression of your creditworthiness. Although the three nationwide credit reporting bureaus (Equifax, Experian, and TransUnion) use similar methods to determine a credit score, the formulas they use are not exactly the same and your credit score may vary from bureau to bureau.
    Learn More

    1 Credit monitoring from Experian and TransUnion will take several days to begin.

    2 We will require you to provide your payment information when you sign up. You may cancel during the Free Trial Period without charge. If you do not cancel during the Free Trial Period, we will immediately charge your card $19.95 and will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds. Only one free trial is available in a 180-day period.

    3 Interactive Score Estimator results are provided for educational purposes only and are intended to show the impact that certain hypothetical actions could have on your Equifax credit score, assuming that all other variables remain constant. This is not a guarantee that your Equifax credit score will change as shown in this Interactive Score Estimator. Your actual credit score calculation may change frequently, even daily, as the information in your credit file(s) changes.

    4 Identity theft insurance underwritten by American Bankers Insurance Company of Florida or its affiliates. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.

    Equifax is a registered trademark and Equifax Complete Premier is a trademark of Equifax Inc. 2017. Equifax Inc. Atlanta, Georgia. All rights reserved. All other trademarks or registered trademarks are the property of their respective owners.


  • First house loan #first #house #loan


    #

    Housing Steve Walker, Director

    Welcome

    The Seattle Office of Housing builds strong healthy communities and increases opportunities for people of all income levels to live in our city. For 35 years, the City has managed investments from the Seattle Housing Levy and other state and federal sources to fund the preservation and production of affordable apartments and homes. The Office of Housing also develops policies and manages programs that support further affordable housing production. To date, the City has created and preserved over 13,000 affordable homes throughout the city, helped 900 families purchase their first home, and provided emergency rental assistance to 6,500 households.

    News

    Request for Proposals for Equitable Transit-Oriented Development at Roosevelt Station

    On August 4, 2017, the Office of Housing and Sound Transit published a joint request for proposals (RFP) for equitable transit-oriented development on property adjacent to the future Roosevelt light rail station. OH announced $15 million in funding is available for site-specific affordable housing development on land offered by Sound Transit. OH and Sound Transit are seeking proposals to maximize the creation of affordable homes and meet a range of shared goals. Read the press release.

    Proposals are due by September 14, 2017 at 4:00 PM. View the RFP on Sound Transit’s e-bid website.

    Request for Proposals for Resale-Restricted, Affordable Homeownership Development on Surplus Property

    On July 25, 2017, the Office of Housing published a request for proposals (RFP) seeking proposals from qualified developers interested in acquiring City-owned land at 1312-1326 Yakima Avenue South to develop resale-restricted, affordable ownership housing on the site. The City’s objectives to create lasting community benefit include an affordability period of not less than 50 years, maximizing the site’s development potential and the creation of high-quality product.

    Foreclosure Prevention Pilot Program: Request for Proposals to Administer Loan Fund

    On July 24, 2017, the Office of Housing published a request for proposals (RFP) for an administrator for the new Foreclosure Prevention Pilot Program. The pilot period is 24-months and the efficacy of the program will be evaluated after that period.

    2017 Rental Housing Program Notice of Funding Availability Announcement – $49.5 million

    On July 6th, 2017, the Office of Housing is announcing $49.5 million in funding for affordable multifamily rental housing. View full Notice of Funding Availability announcement and application .

    Fort Lawton Redevelopment

    The City is conducting an Environmental Impact Statement process for the redevelopment of Fort Lawton in the Magnolia neighborhood. A public open house and scoping meeting will take place on June 19th from 6:30-8:30 p.m. at Daybreak Star Center. A second meeting will take place at the Magnolia Community Center on June 21st from 6:30 – 8:30 p.m. Learn more

    Housing Levy Admin Finance Plan Approved

    The Seattle City Council recently approved the Administrative and Financial Plan for the 2016 Seattle Housing Levy. This plan guides implementation of the levy for the next two years. Download the A F Plan

    2009 Seattle Housing Levy Fulfills on its Promise

    The 2016 Annual Report has been published for the 2009 Housing Levy, wrapping up seven years of investment in affordable housing. The Levy has exceeded its goals for all programs, fulfilling the promise made to voters. Read the Housing Levy Annual Report

    2016 Rental Housing Program Funding Awards Announced

    Mayor Ed Murray announced $47 million in affordable housing investments to create 472 new homes and preserve 138 homes. Read the press release. See the map


    Orange County VA Home Loans #va #home #loans, #va #home #loan, #home


    #

    I’ll Guide You Through the VA Loan Process

    The VA loan process is easy, if you choose the right company and right Loan Officer. I focus on the VA loan program and have over 25 years experience closing VA loans.
    The first step is to get Prequalified
    Prequalification only takes a quick 5 minute phone call so that I can prepare customized loan scenarios based on your goals, qualifications, and payment comfort level. Once you have a solid idea of the price range and type of property you wish to pursue, the next step is to move forward with VA Loan PreApproval.

    Let Tim Storm Show You How

    “Most sellers will not entertain an offer from a buyer unless they have been PreApproved by a Direct Lender”Home Point Financial, is a VA Direct Lender with offices located in California.

    My Recent Articles

    VA Residual Income is. A safeguard established by VA to ensure you can afford the new loan payment[. ]

    January 30th, 2017

    Why is VA Loan Pre-Approval an important step in the home buying process? Markets across the countr[. ]

    © 2016 Home Point Financial, 620 Newport Center Drive, Suite 860, Newport Beach, CA 92660 Phone #949-640-3102. NMLS ID 7706. Trade/service marks are the property of their respective owners. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. Home Point Financial is not acting on behalf of or at the direction of HUD/FHA or the federal government. NMLS consumer access: www. nmlsconsumeraccess.org/ EntityDetails.aspx/COMPANY/ 7706

    Applying for a VA Loan has never been easier!

    Learn More About How We Make Your VA Loan a Breeze!


    First Responder #first #responder #training, #firefighter #training, #ems #training, #emergency #responder #training


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    “We have been using Action Training Systems for 6 monthsnow and find it to be an extremely valuable addition to our trainingprogram. It has provided our firefighterswith an online tool that is comprehensive and challenging with 24/7accessibility. It has allowed us tofocus more on our practical training knowing the theoretical portion has beentaken of through the ATS online modules. The technical s.

    “The ATS Online interactive course delivery system is excellent and running flawlessly. We are very pleased with this product and the fact that we no longer have to maintain any locally installed software to access your courses.”
    Parry Boogard – Battalion Chief – Training, Safety EMS – Valley Regional Fire Authority, Auburn, WA

    “We couldn’t be happier with new ATS Online platform and quality of training available. We have started working through the courses and have even utilized the streaming videos during our training the other night, which worked out beautifully”.
    Tyler Abhold – Training Coordinator – Yakima County Fire District #4 – Yakima, WA

    “After 6 months of using ATS Online as part of our training program, we have seen an overall increase in competency for both testing outcomes and during drills, we will definitely be renewing our subscription!”
    Frank Bracken – Fire Training Officer, Chena Goldstream Fire Department. Fairbanks, AK

    After obtaining feedback from our members I am writing to say that we found your training to be both enjoyable and informative. This course is designed for the individual who desires to become certified as a firefighter and prefers to work at their own pace. I would highly recommend this to any department small or large.
    Ron Bennett – Captain/Training – Retreat Volunteer Fire Department – Co.

    “With Action Training Systems, we can assign the class to everybody and it’s easy to track. We run reports to tell us who has and who hasn’t had the training, and we can teach to the entire department without pulling a truck out of station and driving across town to the training facility, so now they can stay in service.”

    Steve Bailey – Former Assistant Chief – Independence Fire.

    “The (HAZMAT) videos that came out really help drive the point home by describing the containers and showing what they look like,” Tavalez said. “And they can support the instructor’s lecture or bring up topics that they may have forgotten or weren’t a part of the discussion. So the students are looking at something modern and they’re seeing modern equipment and they can relate to it a lot better.

    “Your computer-based training is the greatest educational purchase we’ve made to date for this department.
    The materials are designed so the firefighter is mentally engaged prior to starting an instructor-led course wihich is followed by hands-on training. This system allows our volunteers a time-enriched training atmosphere. With our firefighters better prepared and more engaged. We’ve achi.

    “I think your course format is great. The way it is set up you have to honestly take the course not just pencil-whip it.”

    Tom Jorgensen – Deputy Chief – Findlay Fire Department – Findlay, OH

    “We have been pleased with the online firefighter modules from Action Training Systems. We are currently working on Salvage Overhaul, then we’ll be heading into Fire Detection, Alarms Communication. Since we started using this training system, we’ve noticed that the members who’ve participated in the online modules as assigned, end up having a much greater understanding of what is expe.

    “Its’ all up to date. ATS always updates their stuff. It looks good, it’s straight forward and it’s quality.”

    Tom Christie – 1st Assistant Chief – Stanford Heights Fire District – Serving Colonie Niskayuna, NY

    “We have been using Action Training Systems for 6 months now and find it to be an extremely valuable addition to our training program. It has provided our firefighters with an online tool that is comprehensive and challenging with 24/7 accessibility. It has allowed us to focus more on our practical training knowing the theoretical portion has been taken of through the ATS online modules. The techn.

    “The Action Training program is extremely comprehensive and as simple and accommodating
    as it gets for firefighters and users that need the flexibility to achieve any aspect of training desired.
    Very straight forward from logging on to tracking the progress of each firefighter.
    As a Fire Chief I personally appreciate viewing our Firefighter progress and at the same
    time review.

    I want to thank you and the personnel, of Action Training Systems. For the past three years we of Mason Fire District have used your programs to raise the awareness and skills of our Firefighters and are now reaping the rewards. Your well thought out and informative programs have resulted in a demonstrably improved Department.
    This was proven in our recent elevation from a WSRB ratting of 8/.

    ATS Online Training is working great for us. We couldn’t ask for better EMT training courses.
    Brad Simpson -Emergency Services Technician
    Motiva Enterprises LLC – Norco Refinery – Norco, LA

    “We like the training that ATS provides. We have successfully used it in our county for new recruits for about 5 years now. They simply watch the modules and take quizzes and test. Every 2 weeks at least we get them together to practices or learn the hands on portion. We have well over a 90% pass rate when they challenge the State of Michigan Firefighter Training Council exam.”
    Martin W. Ers.


    Business First Healthiest Employer Award #own #your #own #business #ideas

    #business first louisville

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    Business First Healthiest Employer Award

    The University of Louisville was chosen as the 2010 Healthiest Employer in the 5,000-employee-plus category of Business First’s inaugural Greater Louisville’s Healthiest Employers awards program. The winners in each of the five categories were announced at a luncheon on Thursday, Nov. 18, 2010 in the Cascade Ballroom at the Louisville International Convention Center. A special publication profiling the finalists was included in the Nov. 19 issue of Business First.

    Additional Media recognition:

    Health Fitness Corporation’s monthly newsletter, HealthWire: December 2010 edition

    Excerpt From UofL Today

    Business First awards UofL as healthiest employer

    by UofL Today — l Nov 18, 2010

    The University of Louisville is the healthiest employer in Louisville of companies with 5,000 or more employees.

    Get Healthy Now director Patricia Benson accepted the Business First award at a Nov. 18 luncheon at the Kentucky International Convention Center.

    The luncheon, said Business First publisher Tom Monahan, not only paid tribute to the 15 award finalists (three in each of five categories by business size), but it also was a way to help employers learn from each other how to create healthy workplaces.

    As he presented the awards, he asked each employer’s representative a question related to an aspect of his or her company’s program.

    Noting that UofL’s five-year-old Get Healthy Now program has a 70 percent participation rate among faculty and staff and that the number of insurance claims among participants is significantly lower than that among non-participants, Monahan asked Benson to explain the program’s success.

    Get Healthy Now is successful, she said, because of the support it has received since its beginning from President James Ramsey and Provost Shirley Willihnganz. She also explained that Get Healthy Now’s staff continually solicits feedback from its members on program components and works to tailor the program to their needs and wants.

    “It’s the employees’ program,” she said.

    Business First started the Healthiest Employer award this year and asked companies to complete a 75-question survey designed to measure six core areas of wellness:

    • cultural and leadership commitment;
    • foundation components;
    • strategic planning;
    • communications and marketing;
    • programming and intervention;
    • and reporting and analysis.

    Healthiest Employer LLC, in Indianapolis, developed the survey and scored the Louisville ones to determine the winners.

    Each of the finalists is featured in the publication “Healthiest Employers of Greater Louisville” that will be part of the Nov. 19 Business First paper.

    Besides UofL, the other two finalists in the 5,000-plus employees category were GE Appliances and Lighting and Norton Healthcare Inc.





    Schools First Federal Credit Union Review: What They Offer #first #schools #credit


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    by Natalie Cooper September 10, 2015

    Customers are always searching for the best deal when it comes to bank services and their money. Credit unions offer many advantages over regular banking services. Schools First Federal Credit Union is one of the largest credit card issuers in the country.

    Why Use a Credit Union?

    · Credit unions are non-profit institutions, which allows them to provide cheaper rates on loans and other banking services.
    · They provide many additional services over regular banking.
    · Customers are members of the institution and have a share in the benefits the union provides to customers.
    · They offer many services of regular banks while providing additional services that banks just don’t offer their customers.
    · Unions are subject to the same federal regulations as regular banking institutions.
    · FDIC insured guarantees customers that their money is secure.
    · Friendly one on one customer service.
    · A larger variety of choices in loan and savings programs.
    · Loan restructuring for members struggling through a financial hardship.

    Disadvantages of Using a Union

    · The bank links member accounts together to help secure a loan in case of default during a financial downturn.
    · During economic downturns, the union might suffer hardships just like consumers.
    · Automated Teller Machines are harder to find which means customers might be subject to out of network fees for using other banks ATMs.
    · Loans are harder to secure without almost perfect credit.

    What Schools First Federal Credit Union Offers

    Checking and savings accounts are offered to members. Choices of several account options are available for every customer. Customers can open a checking account and receive free monthly fees and no balance requirements.

    Free online banking and bill pay is available for members that open a savings account with the credit union. A savings account is needed to have membership in the bank’s credit union. Opening a savings account is the first step to becoming a member of the bank.

    Home loans are available to all members whether they are first-time buyers or looking to refinance an existing home mortgage. Fixed mortgages and adjustable rate mortgages are available to members that want to find the perfect loan to fit their financial needs. Fixed rate loans are available at down payments as low as 3 percent for 10, 15 and 30-year term limits.

    The union also offers adjustable rate mortgages, second home mortgages and rebates for participating real estate agents associated with the bank. Home equity loans allow members to borrow against the home’s value. Business leaders can depend on the bank to help furnish loans for investment purposes according to what capital the business owner has to assure the loan is paid back.

    Insurance Options Available

    Members of the credit union can receive adequate insurance to cover their loan needs at an affordable price to ensure complete coverage within the bank. Insurance options available include homeowner’s coverage that protects against weather related events and includes burglary, vandalism and fire protection.

    Policies are available for renters to insure their personal belongings and liability protection. Earthquake damage policies and flood damage insurance can be purchased to cover those events in case it happens.

    Life insurance policies cover many needs of members. Term life, whole life, variable and universal policies are available to members of the union. Accidental death and dismemberment is available to members as well.

    Benefits for School Personnel

    Credit unions realize how hard it is for the teaching community to make ends meet throughout the year. They offer extra benefits associated with teachers in mind. Summer off loans allow teachers to get up to 2 months non-payment allowance on an auto loan without penalty. This helps teachers while they are on summer vacation from work.

    Computer and classroom loans are available for teachers to help them with cost of furnishing supplies needed to teach students during the school year. Schools First Federal understands teacher’s needs when it comes to retirement. They offer 403(b), Roth 403(b) and 457(b) plans to help the teaching community towards their retirement needs .

    The teaching community will receive additional benefits in low cost loans and checking account privileges to help them make their yearly income last during the months that they are out of work.

    The verdict: It makes good business sense for banking customers to use both regular banking services and a credit union on the side. When dealing with money, people need to make smart choices in how that money is being spent, saved and invested. It makes sense to consider using both a regular bank and a credit union to ensure you receive all the benefits of both institutions.

    For over a decade, Natalie Cooper has been writing informative content on a variety of topics. She is a contributing writer to this and other blogs and also writes email newsletter articles, press releases and web content. Prior to her writing career, Natalie worked in various fields including real estate, equipment leasing and banking. She holds a B.A. in English Writing from Rhodes College in Memphis, TN. Natalie lives in the Memphis area with her husband and three children.

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    Synovial Fluid Analysis #synovial #fluid #analysis, # #2006 #21st #abnormal #abnormally #activities


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    Synovial Fluid Analysis

    Synovial fluid analysis is a group of tests that examine joint (synovial) fluid. The tests help diagnose and treat joint-related problems.

    Alternative Names

    Joint fluid analysis; Joint fluid aspiration

    How the test is performed

    A sample of synovial fluid is needed for this test. Synovial fluid is normally a thick, straw-colored liquid found in small amounts in joints, bursae, and tendon sheaths.

    After the area is cleaned, the health care provider will insert a sterile needle through the skin and into the joint space. Once in the joint, fluid is drawn through the needle into a sterile syringe.

    The fluid sample is sent to the laboratory. The laboratory technician will check the sample’s color and clarity, and then place it under a microscope to check it for red and white blood cells, crystals (in the case of gout), and bacteria. In addition, there may be a chemical analysis, and if infection is a concern, a sample will be cultured to see if any bacteria grow.

    How to prepare for the test

    Normally, no special preparation is necessary, but contact your health care provider before the test to make sure. Tell your doctor if you are taking blood thinners, as they can affect test results.

    How the test will feel

    Occasionally, the health care provider will first inject local anesthesia with a small needle, which will sting. The aspiration is done with a larger needle and may also cause some pain. The procedure usually lasts less than one minute.

    Why the test is performed

    The test can help diagnose the cause of pain or swelling in joints. Removing the fluid can also help relieve joint pain.

    This test may be used to diagnose:

    • Gout
    • Infection
    • Other inflammatory joint conditions
    • Joint injury
    • Osteoarthritis

    What abnormal results mean

    Abnormal joint fluid may look cloudy or abnormally thick.

    Blood in the joint fluid may be a sign of injury inside the joint or a body-wide bleeding problem. An excess amount of normal synovial fluid can also be a sign of osteoarthritis.

    What the risks are

    • Infection of the joint — unusual but more common with repeated aspirations
    • Bleeding into the joint space

    Special considerations

    Ice or cold packs may be applied to the joint for 24 to 36 hours after the test to reduce the swelling and joint pain. Depending on the exact problem, you can probably resume your normal activities after the procedure. Talk to your health care provider to determine what activity is most appropriate for you.

    References

    Knight JA, Kjeldsberg CR. Cerebrospinal, synovial, and serous body fluids. In: McPherson RA, Pincus MR, eds. Henry’s Clinical Diagnosis and Management by Laboratory Methods. 21st ed. Philadelphia, Pa: Saunders Elsevier; 2006:chap 28.

    Review Date: 7/10/2009

    The information provided herein should not be used during any medical emergency or for the diagnosis or treatment of any medical condition. A licensed physician should be consulted for diagnosis and treatment of any and all medical conditions. Call 911 for all medical emergencies. Links to other sites are provided for information only — they do not constitute endorsements of those other sites. Copyright 2010 A.D.A.M. Inc. as modified by University of California San Francisco. Any duplication or distribution of the information contained herein is strictly prohibited.

    Information developed by A.D.A.M. Inc. regarding tests and test results may not directly correspond with information provided by UCSF Medical Center. Please discuss with your doctor any questions or concerns you may have.

    Getting Care


    Austrian Airlines Passenger Reviews #airline #ratings,best #airlines,worst #airlines,top #ten #(10) #airlines,safe #aircraft,safe


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    Passenger Reviews

    Austrian Airlines

    Recommend Airline?
    No

    I flew several times in 2016 from Innsbruck to Berlin, with stopover in Frankfurt, and the stretch INN-FRA was provided by Austrian. They always use a very very small propeller plane with tiny space inside and despite my hand luggage size was always approved on check in, they carried it always in the luggage van, not in the cabin, and you have to recover if afterwards on the plane foothills on landing; when it rains ( and it happens quite often) and you have to wait a couple of minutes on the airstrip, is not pleasant.
    On board service and staff competence from poor to average

    Recommend Airline?
    No

    I want to share a bad experience with Austrian Airlines so others can see what type of Airline Company they are. I recently traveled overseas for work. Austrian Airlines lost my baggage for 6 days. All I had was the outfit that I was wearing. On day 5 my boss instructed me to purchase more clothes. I had to adhere to the company dress code. So on day 5, after wearing the same clothes for 5 straight days without washing, I purchased 2 outfits. The outfits cost about $200 (US). I sent a copy of the receipt and my lost baggage claim to the company email, faxed it to their fax machine, and mailed a copy to Austrian Airlines headquarters. They did not respond to any of my requests. Austrian Airlines did not have the integrity or fortitude as a company to acknowledge the issue. I want everyone who is considering traveling with Austrian Airlines to know the type of business they are and how much they do not care about their customers. If I would have got my luggage prior to spending cash of my pocket book, I would not of thought twice, but the airline has forced me to pay $200 (US) for their mistake. This is poor customer service and business practice. I travel frequently and by far this

    Recommend Airline?
    No

    Appalled at the service I received on a flight from Shanghai to London. The cabin crew were extremely unpleasant, unhelpful & arrogant. The food was bland and looked unappetising to say the least. The selection of movies to watch were good however pointless since the sound quality was extremely poor. I have flown business class with Austrian Airlines previously and they were fantastic however my experience flying economy proves that the level of class you fly obviously determines the service you receive. I most certainly would not recommend this airline to anyone.


    California Housing Finance Agency #first #time #homebuyer, #home #loans, #affordable #housing, #home


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    CalHFA supports the needs of renters and homebuyers

    What’s New at CalHFA

    • Program Bulletin #2017-05 – Updated Sales Price Limits for the CalHFA Mortgage Credit Certificate Tax Credit Program
    • Housing Matters Newsletter – Volume 29
    • Enews 2017-04-27 – CalHFA Update – May 2017
    • Request for Qualifications Announcement: Multifamily Appraisal and Market Analysis
    • Press Release 2017-04-26 – Homebuyers Can Now Use Income from ADUs to Help Qualify for CalHFA First Mortgages
    • Enews 2017-04-24 – MAS Data Field Enhancements
    • Press Release 2017-04-24 – CalHFA Contributes Vital Funds to Complete Ocean View Rehabilitation
    • Program Bulletin #2017-04 – CalHFA Enhances Homebuyer Education
    • Program Bulletin #2017-03 – Accessory Dwelling Unit (ADU)
    • Enews 2017-02-2 7 – Lakeview Loan Servicing Guideline Changes
    • Enews 2017-01-30 – CalHFA Video Update – February 2017
    • Enews 2017-01-19 – CalHFA eliminates Form 4506-T for loan submission
    • Program Bulletin #2017-02 – Updates to Resubordination Process For All CalHFA Subordinate Loans
    • Program Bulletin #2017-01 – CalHFA Streamlines Lender Application and Lender Recertification
    • Program Bulletin #2016-25 – Increased Loan Limits Effective January 1, 2017
    • Get to know CalHFA and our programs by viewing our Video Library .

    Hardship Foreclosure Assistance

    • Are you experiencing financial hardship and having difficulties making your mortgage payment? Visit CalHFA’s Hardship Assistance Page to view options available to you.
    • Keep Your Home California programs are designed for homeowners who are struggling to pay their mortgages.

    • The Home Affordable Refinance Program (HARP) is available on loans owned by Fannie Mae and Freddie Mac. If these loans were insured by the California Housing Loan Insurance Fund they may be eligible to have existing mortgage insurance transferred to a new refinance loan.

    Other Resources


    Mortgages Unlimited #mn #mortgages, #mortgages #unlimited, #minnesota #mortgage, #minnesota #mortgages, #mortgage #rates


    #

    Like, Print, Forward, and Share: Mobile Site

    MN, WI, and SD Home Mortgage Loans

    As a Direct Mortgage Lender, MN, WI, and SD home loans are all we do. We beat the banks, the big internet lenders, and the Realtor’s in-house lender everyday with our great interest rates on home loans, and personalized service from LOCAL professional Licensed Loan Officers. Our ultimate goal is to create lasting relationships by closing your home loan on time with a stress free process.

    READY TO APPLY? Our Secure Online Mortgage Application is available 24/7. There is no application fee, and we will only move forward with an actual loan your permission after reviewing all your options with you.

    WANT JUST A QUICK QUOTE? Complete the Online Mortgage Rate Quote Form . This option allows our Licensed Loan Officers the opportunity to research current mortgage interest rates, refinance options and programs, then get back to you with our accurate quote.

    Check today’s mortgage interest rates based on your personal situation. Get live market mortgage rates and closing cost cost options. Pick what interest rate or closing cost option works best for you.

    Call (651) 552-3681. Speaking with an experienced, and Licensed Loan Officer is easily the best way to apply, or to obtain an accurate interest rate quote and an Estimate of closing costs.

    Your Loan Officer in an important decision. Why choose Joe Metzler to assist you?

    2016 – Top 300 Loan Officer in the Nation (National Mortgage News )
    2015 – Top 100 Loan Officer in the Nation (Orignation News )
    2014 – Minnesota Loan Officer of the Year (Minnesota Mortgage Association)
    2012 – Best Mortgage Professionals in the Twin Cities based on Customer Satisfaction (Minneapolis St Paul Magazine)
    2011 – Top 40 Most Influential Mortgage Professionals to Watch (National Mortgage Professional Magazine)
    2010 – Top 150 Loan Officer in the Nation (Origination News)

    TOP REASONS YOU SHOULD HAVE US HELP YOU:

    We keep it simple for you! Slick advertising is not our game. We are a top MN lender, and it’s not just because of our LOW mortgage rates. Its because we offer the whole package. We provides fully automated processing, with all of the latest instant approval systems. We even give you instant Email notification for each step of your loan!

    NO applications fees

    Minnesota based – not some out-state 800 number

    Purchase: Using your Realtor’s in-house lender, or the big banks

    Refinance: Assuming the company you currently make payments to is your best option

    Dakota County First Time Homebuyer City Living Program Zero down Payment VA Loans and USDA Rural Development Loans HARP Lender in MN, WI, and SD (Home Affordable Refinance Program

    Mortgages Unlimited CLIENT TESTIMONIALS

    “Thanks for helping us get this done, I really didn’t think I could refinance. I called on a whim because you had placed my original mortgage on this house. Now we will be enjoying a lower house payment for years to come. Best wishes to you.”
    Angie W. St Paul, MN

    “Hello Joe Eric, I just wanted to personally thank you both for helping me secure my home in Cottage Grove. You made the process simple and easy to follow and took a lot of worry out of purchasing the home. I will gladly recommend you to anyone who is also seeking a home mortgage.”
    -Tim M. Minneapolis, MN
    (Read more client testimonials)

    Mortgage Loan Programs

    Conducting Your Minnesota, Wisconsin, or South Dakota Mortgage Rate and Lender Search

    Shopping for a home loan has never been this easy. To obtain the most accurate and up-to-date mortgage rate quote for your loan scenario, call us at 651-552-3681. If you are simply shopping for a mortgage. you can fill-out our easy Mortgage Rate Quote Form and someone will usually contact you within minutes with that information.

    Y ou can also initiate the application process by completing our Secure Online Mortgage Application. We advertises our services in many places and we are committed to honoring the displayed rates and mortgage closing costs as defined by the various publishers’ guidelines.

    You can always count on Mortgages Unlimited for great rates and low mortgage closing costs. Please do not hesitate to contact us with any questions. We are always here to address your concerns and offer you up-to-the minute mortgage quotes and home loan advice.

    Smart people know Mortgages Unlimited is your St Paul, Minneapolis best lender choice for your home loan needs.

    Our staff of Loan Officers are thankful for the opportunity to provide you with comprehensive mortgage rate quotes and mortgage closing cost information. Your Loan Officer will be happy to provide you with a Good Faith Estimate and Truth-In-Lending Statement so that you can better compare Mortgages Unlimited to other Mortgage providers. We wish you the best during your loan process, and remind you that a low rate quote is only part of your overall satisfaction!

    I know you have lender options, and I understand the importance of securing the very best interest rate and lowest closing costs for you and your family. I do not take that obligation lightly and will work hard to prove the value in having a long term relationship with myself and my team.

    Joe Metzler and his team are committed to helping you make a truly informed mortgage decision. Our advice goes way beyond just quoting rates and fees. We provide you with a complete analysis of your mortgage debt picture through analysis and reports. Most people don’t understand the life changing differences between different loan programs. We do. Learn More

    Get real interest rate and closing cost estimates so you can see specific numbers right up front. No surprises. Our rates are typically 0.125% to 0.25% lower than the big banks and little mom-and-pop mortgage brokers, with lower closing costs, too.

    With our low interest rates and low closing costs. you might be wondering about the kind of service or expertise you ll receive. You re in for a pleasant surprise. We ve gone to great lengths to streamline the loan process and make it the easiest, most convenient experience imaginable. No appointment needed. No account numbers or shoebox full of financial papers. Just the information that s in your head.

    Find out how good it feels to work with a lender that delivers on both price and service, and read a few real customer comments. Then you’ll know why we enjoys a 98.0% overall recommendation rating. which we’d like to point out is a far higher standard than mere satisfaction.

    I have closed thousands of loans in my career. That’s a lot! Those customers contributed to our continuing success because they know WE GOT THEM A BETTER DEAL!

    We can do the same for you ! So if you are checking mortgage rates in Minneapolis, St Paul, all of Minnesota, Wisconsin, or South Dakota. we can help you get the lowest cost mortgage of anyone on your area, saving you thousands of dollars!


    Over-the-Rhine Chamber: Cincinnati, Ohio: Business First Grant #business #manager

    #business first

    #

    Business First Grant (BFG)

    Business Recruitment Initiative for Over-the-Rhine

    The mission of the Business First Grant Program (BFG) is to benefit the city by strengthening the local economy, increasing business and employment opportunities, and animating the sidewalks of OTR.


    To be eligible for a grant, the incoming business must:

    • Be new to Over-the-Rhine. New businesses and businesses previously established in other locations are permitted to apply. It is preferred that established businesses are currently located outside of the City of Cincinnati boundaries.
    • Occupy a storefront or occupy other location in OTR that is consistent with the neighborhood tenanting strategy.
    • Sign a three-year lease with the landlord (see note below regarding letters of intent).

    * The tenant and business owner/landlord negotiate the required build out, renovation and
    preparation required of the building and disclose the cost of build out and the monthly rental
    amount.
    * The incoming tenant/ business will submit a copy of its current business plan to the building
    owner/landlord before lease negotiations will be completed.
    * Building owners and/or landlords must agree to participate fully in the program and tri-party
    meetings will be held between the applicant, Chamber and Landlord.

    • Agree to be open at least 50 hours per week .
    • Submit a complete application prior to opening .

    * This includes a thorough and well-organized business plan with a start-up budget and projected
    cash flow statements for the first three years of operation.

    • Once awarded funds, agree to actively participate in the Business First mentoring program, which includes attending regular meetings with a mentor to discuss business details and providing annual financial statements for the period of the lease.

    * The new business meets with the Mentor to discuss concerns and review financial information
    regularly for three years. As needed, a new business owner may be teamed up with an
    experienced business owner to work together to address a specific need.
    2016 Program Goals

    • Promote diversity among business owners in OTR.
    • Increase customer traffic, safety, and return on investment.
    • Support capital improvement in unused and underutilized storefronts for business occupation in OTR.
    • Mentor and encourage businesses that strengthen the neighborhood as a viable and diverse place to live, work and play.
    • Provide an environment for individuals, entrepreneurs, investors and businesses to thrive.

    Desirable businesses include retail, neighborhood services, large employers who hire from within OTR, Women/Minority Business Enterprises, and those that locate in an area that is compatible with the tenanting strategy for the neighborhood. Ineligible businesses include convenience stores, check-cashing services, temporary labor services, churches, social services, not for profits, home-based businesses, and businesses that are not compatible with adjacent residential uses.

    Businesses that are selected through the Business First Grant Program s competitive process will be awarded a matching grant up to $20,000 for furniture, fixtures and equipment (FFE) and tenant improvements (TI). The funds will be distributed through a reimbursement process through the OTR Chamber.

    Additionally, the BFG Program works to create a support network for the new business. Ongoing mentoring will be provided for the three year duration of the program. The Review Committee will match the new business owner with a committee member mentor based on the needs of the business. The Review Committee may also refer the new business to local business resources to strengthen areas of the business that present a challenge to the business success. A member of the Review Committee will meet with the business owner regularly to address any concerns the business owner may have and assist the business owner in updating her/his Business Plan.

    Applications will be reviewed twice annually through a competitive process. Applications will be due December 6, 2016.

    Applicants must submit a completed application to the OTR Chamber prior to opening up for business. At the time of application submission, expected project completion date should be within 9 months to a year. The Application form can be downloaded at the bottom of this page. The submission should include a:

    • Professional Business Plan that clearly articulates the business model, industry analysis, demographics of target population, hours of operation and corresponding staffing schedules, experience of personnel, marketing strategy, and includes detailed cash flow projections. (Note, click the link above “Professional Business Plan” to read tips from Forbes)
    • Three Year Lease including the landlord s contact information so the OTR Chamber can contact her/him to discuss the terms of the lease. Please note, a signed letter of intent by landlord and applicant can be submitted initially if a signed lease is not in place at the time of submission. Awarding of any grant money would be contingent upon a signed three year lease.
    • Detailed Build-Out Costs of space clearly defining what will be provided by the landlord and what is the responsibility of the tenant. Detailed budget for FFE is also required.

    The applications will be reviewed semi-annually in a competitive process by the Business Attraction and Retention Review Committee.

    This program is administered by OTR Chamber of Commerce with the support of a Review Committee to oversee leases, programs and funding.

    The Business First Grant program is made possible by the following corporate and foundation partners: BB T, The Carol Ann and Ralph V. Haile, Jr. / U.S. Bank Foundation, Over-the-Rhine Chamber of Commerce, PNC Bank, and P G.





    Get your Police Report for DUI California #dui #in #california #first #offense


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    After you are arrested for a DUI in California. the police officer prepares a written arrest report about you that is then forwarded to the Prosecutor’s office and then the court. This police report is also usually forwarded to the DMV.

    It is very important that you read this report to see what the officer is saying about you and to see what your breath tests or blood test results are.

    Information in your Police Report

    In this police report. you will find out :-

    • Why the officer stopped you
    • How was your driving in the officer’s opinion
    • What your objective symptoms were (e.g. alcohol on breath, red, watery eyes, slurred speech, poor coordination, etc.)
    • How did you do on the field sobriety tests
    • Your answers to most of the police officer’s questions regarding for example how much you had to drink and when and where you were coming from etc.
    • Your breath test results and the serial number of the breath machine you blew into (knowing the serial number of the machine allows you to check the accuracy and maintenance history of the machine you blew into)
    • Your blood test results if you took one
    • Etc.

    Often, the police report contains biased opinions, omits information that is helpful to you and will exaggerate other information to make you look bad in the eyes of the prosecutor.

    How to get a copy of your Police Report (DUI Arrest Report)

    The Police Report is available on your first court date. This court date is listed at the bottom of the ticket you were given. If you request a DMV hearing. you can request the DMV to send the Police Report to you approximately 10 days before the DMV Hearing.

    Accident Report

    It is usually difficult to get your police report from the police before your court date. However, if you were involved in an accident and California Highway Patrol (CHP) officers arrested you, you can obtain your accident report from the CHP station listed on the bottom of your pink temporary license that was given to you.

    Remember record what the Police Officer did said to you

    It is important for you to remember and take notes of what the officer said and did to you, and preserve any other evidence that helps you:-

    • Did the officer tell you why were you pulled over?
    • Were there any witnesses to your arrest and were there witnesses to your drinking?
    • Was an officer with you for the 15 minutes right before you blew into the breath machine at the police station, closely observing you?
    • Did you vomit, burp, smoke, or drink anything just before blowing into the breath machine?
    • Did the officer do or say anything unusual or inappropriate?
    • Was the officer young and inexperienced and being trained by an older officer?
    • Did you take any photos of anything that supports your side of the story?

    Note and write down all potential evidence that can help you in court and for the DMV hearing.

    Frequently Asked Questions:-

    Next Step

    Your three choices for DUI defense are getting a public defender, representing yourself or getting a private DUI attorney.

    Proceed to DUI Arrest Step 3: Learn about DUI Defense – your 3 choices


    Vets First Verification Program – Office of Small & Disadvantaged Business Utilization

    #business loans for veterans

    #

    Office of Small & Disadvantaged Business Utilization

    Vets First Verification Program

    Temporary Change in Document Submission Policy for Current and New Verification Applications

    During the month of September the Verification Program is undergoing a major transformation in response to feedback provided by the Veteran-Owned Small Businesses community. The modifications and enhancements will result in significant changes to our application process to improve the Veteran experience as we establish MyVA Verification. Document Submission Policy Changes

    Help Desk: (866) 584-2344
    Monday Friday
    8:00am to 8:00pm (Eastern)

    The Department of Veterans Affairs (VA) has special authority for Service-Disabled Veteran-Owned Small Business and Veteran-Owned Small Business (SDVOSB and VOSB) set-aside and sole source contracts.

    Public Law (P.L.) 109-461 entitled Veterans Benefits, Health Care, and Information Technology Act of 2006 provides VA with unique authority for contracting with SDVOSB and VOSB. A new procurement hierarchy within VA for open market procurements was created which places highest priority with SDVOSB then VOSB. These small business groups are followed by 8(a), HUBZone, Women-Owned Small Business, then all other small businesses. This procurement authority, and its subsequent implementation, is a logical extension of VA s mission to care for our nation s Veterans. VA refers to this program as the Veterans First Contracting Program. See VA Acquisition Regulation Part 808, Required Sources of Supplies and Services. for the priorities in acquisition.

    In order to qualify for participation in the VA Veterans First Contracting Program, eligible VOSB owners must first be verified. Start Verification

    Center for Verification and Evaluation (CVE) Transformation

    Candid feedback from SDVOSB and VOSB stakeholders indicated that CVE needed to increase customer service touchpoints within the existing Vets First Verification process. The MyVA Verification Application Transformation Trial outlines this organizational transformation and the improvements to Verification processing.

    Verification Guides and Popular Fact Sheets

    • Initial Verification Application Guide – Outlines regulatory requirements in 38 CFR Part 74; assists applicants to comply with when applying for Verification.
    • 4 Steps to VA Verification – Provides snapshot of steps associated with Verification process.
    • What documents do I need to apply? – Lists required documentation necessary to apply for Verification.
    • Verification Application Required Documents Rationale – Provides insight on what documents are needed for Verification and how CVE reviews them to process Verification applications.
    • Reverification Process Fact Sheet – Read more about the Reverification process.
    • Average Verification Processing Time – View the average processing time of Verification applications over the last three months.

    Verification Webinars and Town Halls

    • Verification Webinars and Town Halls – CVE hosts recurring training for interested SDVOSBs/VOSBs on different aspects of the Verification process.

    Verification Assistance Program

    VA has developed a Verification Assistance Program to help Veterans understand Verification policy and processes. The goal of this program is to reduce the risk of denial due to lack of understanding and misinterpretation of the regulation. Partnering Veteran service organizations and small business support organizations can provide assistance to Veterans who are interested in applying for the Vet First Verification Program.

    VA Certified Verification Counselors

    VA Certified Verification Counselors are trained by VA OSDBU to provide Verification application assistance to SDVOSBs/VOSBs. Counselor assistance is available at no cost to the Veteran and available throughout the United States, Puerto Rico, and Guam. Additional counselor assistance features include:

    • Provide insight regarding the interpretation of regulation 38 CFR Part 74
    • Review a firm s business model
    • Answer questions on how to use the Verification Self-Assessment Tool
    • Status Checks on where an applicant is in the Verification process

    If you are a SDVOSB/VOSB applicant in need of assistance, visit the list of VA Certified Verification Counselors.

    Verification Assistance Counselor Training

    VA continues to offer its Understanding the VA Verification Process training series to certify Verification Counselors nationwide. Interested Procurement Technical Assistance Center (PTAC) Counselors and Veteran Partner Organizations interested in becoming VA certified to counsel Veterans are encourgaged to participate. View Upcoming Training Dates and Register for Training

    Laws and Regulations

    • 38 CFR 74 – VA Veteran-Owned Small Business Verification Guidelines
    • 38 CFR 74 RIN 2900-AO49 – Interim final rule regarding the two-year Verification eligibility term for SDVOSB/VOSBs (See page 1, Center Column )
    • 38 U.S.C. 8127/8128 Veteran Benefits
    • P.L. 111-275, Sec. 104 Small Business Verification Act
    • 48 C.F.R. Parts 802, 804, 808, 809, 810, 813, 815, 817, 819, 828 852 Veterans First Contracting

    Center for Verification and Evaluation Standard Operating Procedure (Last reviewed on September 29, 2015)

    VA Moves Against Non-Compliant and Fraudulent Firms

    CVE has established a process to report firms alleged to be non-compliant with one or more of the regulatory requirements for the Vets First Verification Program. Report firms believed to be non-compliant of 38 CFR Part 74 .

    The VA Office of Inspector General is committed to protecting the rights of SDVOSBs/VOSBs by vigorously investigating and seeking prosecution of those who deprive Veterans who have earned the right to set-aside government contracts. Report fraud to VA OIG Hotline .

    Sorry, your browser does not support JavaScript. Please use the right-column to sign-up to receive email updates from Office of Small and Disadvantaged Business Utilization





    First Citizens Bank – Banking, Credit Cards, Mortgages, Investing #business #advisor

    #business online

    #

    JavaScript is required for this site to function properly. Find instructions for how to enable JavaScript here .

    Products designed to help small businesses grow and succeed

    Accounts designed to meet business needs

    Whether you need just the basics or an account with extra features, First Citizens business banking options make it easy to find the right fit for your specific needs.

    Financial options for your business investments

    First Citizens gives you a variety of financing options for equipment. Offering customizable terms, we can also help you easily meet your tax, accounting and business cycle cash flow needs.

    Solutions to streamline your transactions

    With services that make it easier to accept credit and debit card payments and enable you to deposit checks from your office, First Citizens can help improve your transaction efficiency, reduce your costs and boost your bottom line.

    Grow your business, and your community, with an SBA loan

    As a preferred lender of the U.S. Small Business Administration (SBA), First Citizens offers loans designed to help businesses grow. SBA loans can offer advantages over traditional loans, including lower down payments, longer repayment terms, and greater flexibility to use for a variety of businesses and purposes.

    Approved to offer SBA loan products under SBA s Preferred Lender programs.

    A simple, cost-effective payroll solution

    First Citizens Online Payroll can help simplify and streamline your payroll processes, with features that automatically calculate withholdings, taxes and net pay while also initiating direct deposits to your employees.

    Customized options to protect what you ve built

    As an independent insurance agency with more than 80 years of experience helping businesses, First Citizens Insurance Services can customize a risk management program to fit your business, and compare insurance options from a variety of carriers on your behalf.

    Financial solutions to support your growing business

    Commercial Analysis Accounts

    Consolidates your business deposit accounts into a single relationship in order to manage cash flow more effectively.

    From payroll to wire transfers, payables solutions are designed to help you gain greater control of all of your payment transactions for maximum efficiency.

    With solutions that include ACH, eReceivables and Remote Image Deposit, First Citizens can help you streamline the collections process and manage incoming cash.

    Quickly and automatically reconcile all checks paid against your First Citizens checking account to help save you time and money in keeping your records current.

    Industry Specific Expertise

    Our experienced business professionals can provide insight and guidance unique to these specific business sectors.

    Business Insights

    Strategies for improving cash flow

    Learn how to better predict your income and expenses

    Financing your business

    Financial options to support your business success

    Learn how our personal banking products and services can help you minimize costs and maximize your time.

    Learn more

    Project your business cash flow

    Quick Links

    Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

    * Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.

    2016 First Citizens Bank

    Raleigh – North Hills

    Please Upgrade your browser

    Your Browser Is Not Supported Please Upgrade

    In order to view and use certain First Citizens Bank products, services and webpages, we recommend that you use a current version of one of the following browsers. You can upgrade your existing browser by clicking one of the links below. You will need to restart your computer in order to complete the upgrade.

    We strongly recommend that you upgrade now.

    If you do not upgrade your browser, you may experience functional or display issues on the pages you are attempting to access.

    1. Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.





    Business First Healthiest Employer Award #good #business #ideas

    #business first louisville

    #

    Business First Healthiest Employer Award

    The University of Louisville was chosen as the 2010 Healthiest Employer in the 5,000-employee-plus category of Business First’s inaugural Greater Louisville’s Healthiest Employers awards program. The winners in each of the five categories were announced at a luncheon on Thursday, Nov. 18, 2010 in the Cascade Ballroom at the Louisville International Convention Center. A special publication profiling the finalists was included in the Nov. 19 issue of Business First.

    Additional Media recognition:

    Health Fitness Corporation’s monthly newsletter, HealthWire: December 2010 edition

    Excerpt From UofL Today

    Business First awards UofL as healthiest employer

    by UofL Today — l Nov 18, 2010

    The University of Louisville is the healthiest employer in Louisville of companies with 5,000 or more employees.

    Get Healthy Now director Patricia Benson accepted the Business First award at a Nov. 18 luncheon at the Kentucky International Convention Center.

    The luncheon, said Business First publisher Tom Monahan, not only paid tribute to the 15 award finalists (three in each of five categories by business size), but it also was a way to help employers learn from each other how to create healthy workplaces.

    As he presented the awards, he asked each employer’s representative a question related to an aspect of his or her company’s program.

    Noting that UofL’s five-year-old Get Healthy Now program has a 70 percent participation rate among faculty and staff and that the number of insurance claims among participants is significantly lower than that among non-participants, Monahan asked Benson to explain the program’s success.

    Get Healthy Now is successful, she said, because of the support it has received since its beginning from President James Ramsey and Provost Shirley Willihnganz. She also explained that Get Healthy Now’s staff continually solicits feedback from its members on program components and works to tailor the program to their needs and wants.

    “It’s the employees’ program,” she said.

    Business First started the Healthiest Employer award this year and asked companies to complete a 75-question survey designed to measure six core areas of wellness:

    • cultural and leadership commitment;
    • foundation components;
    • strategic planning;
    • communications and marketing;
    • programming and intervention;
    • and reporting and analysis.

    Healthiest Employer LLC, in Indianapolis, developed the survey and scored the Louisville ones to determine the winners.

    Each of the finalists is featured in the publication “Healthiest Employers of Greater Louisville” that will be part of the Nov. 19 Business First paper.

    Besides UofL, the other two finalists in the 5,000-plus employees category were GE Appliances and Lighting and Norton Healthcare Inc.





    New Hampshire DWI First Offense #dwi #new #hampshire, #new #hampshire #dwi #first


    #

    NHDWILaws.Net
    Informational Website

    New Hampshire DWI First Offense

    In New Hampshire, a driving while intoxicated (DWI) first offense is classified as a Class B Misdemeanor; however, don’t let the “misdemeanor” classification fool you —you could still be sentenced to harsh penalties, which include expensive court fines, alcohol education classes, and even incarceration, if you are convicted. If you are currently facing a New Hampshire DWI first offense charge, you owe it to yourself to speak with a qualified defense lawyer to find out how you can avoid the penalties and stigma associated with a drunk-driving conviction.

    To charge you with DWI, the officer must have proof that you are under the influence of alcohol and/or drugs. For a common-law charge, the office may use his or her own observations regarding your driving patterns, appearance, and performance on the field sobriety tests as proof that your driving was impaired. If you are charged with “per se” DWI, this means that you tested over the legal limit (.08% for adults over 21) on the breathalyzer test.

    While you may not be ordered to serve mandatory jail time if you are convicted of a DWI first offense, the judge could order you to pay a fine of at least $500 (plus a 20% surcharge) and successfully complete an Impaired Driver Intervention Program (IDIP). In addition, your license may be suspended for a period of nine months to two years and you could be required to install an ignition interlock device in your vehicle.

    An aggravated DWI first offense may result in more severe penalties. For example, if you were transporting a minor under the age of 16 while you were under the influence, your license could be revoked for two years and you may be ordered to participate in a seven-day residential Multiple Offender Program (MOP).

    That’s not all—you could face other consequences as a result of your conviction. For example, your insurance premiums could be substantially raised once your insurer learns about your drunk-driving offense. In addition, you will also be saddled with a criminal record that could make applying for new jobs difficult.

    DWI Defenses

    DWI FAQ’s

    Main Navigation

    DWI Penalties

    DWI Tests

    DWI Laws

    DWI Defenses

    DWI FAQ’s

    PLEASE TAKE NOTICE THAT THE ASSEMBLY AND OVERALL APPEARANCE OF THE CONTENT OF THIS WEBSITE AS WELL AS THE CONTENT, ITSELF, INCLUDING BUT NOT LIMITED TO ANY AND ALL IMAGES, GRAPHICS, DESIGNS, SOFTWARE, AUDIO OR LOGOS CONTAINED ON THIS WEBSITE ARE THE EXCLUSIVE PROPRIETARY PROPERTY OF NHDWILaws.Net AND ARE FULLY PROTECTED BY U.S. AND INTERNATIONAL COPYRIGHT LAWS (FOR ADDITIONAL INFORMATION, SEE WWW.COPYRIGHT.GOV ). PLEASE BE ADVISED THAT ANY AND ALL UNAUTHORIZED USE, INCLUDING BUT NOT LIMITED TO REPUBLICATION AND REPRODUCTION, OF ANY CONTENT CONTAINED ON THE WEBSITE IS ILLEGAL AND PROHIBITED BY U.S. AND INTERNATIONAL COPYRIGHT LAWS. THE OWNERS OF NHDWILaws.Net WILL SEEK PENALTIES TO THE FULLEST EXTENT OF THE LAW AGAINST ANY INDIVIDUAL OR COMPANY WHO WITHOUT AUTHORITY USE THE CONTENT OF THIS WEBSITE.

    DISCLAIMER: NHDWILaws.Net PROVIDES THE INFORMATION IN THIS WEB SITE FOR INFORMATIONAL PURPOSES ONLY. THE INFORMATION IS NOT INTENDED TO BE LEGAL ADVICE AND SHOULD NOT BE CONSTRUED AS SUCH. THE USE OF THIS SITE DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP.

    EACH CASE IS DIFFERENT. CASE RESULTS DEPEND ON A VARIETY OF FACTORS UNIQUE TO EACH CASE, AND THE RESULTS OF ANY CASE DO NOT GUARANTEE OR PREDICT A SIMILAR RESULT IN ANY FUTURE CASE UNDERTAKEN BY ANY LAWYER. THE HIRING OF A DUI LAWYER IS AN IMPORTANT DECISION THAT SHOULD NOT BE BASED SOLELY UPON ANY WEBSITE. BEFORE YOU DECIDE, PLEASE ASK THE DUI ATTORNEY TO SEND YOU WRITTEN INFORMATION ABOUT THEIR QUALIFICATIONS AND EXPERIENCE.

    Copyright NHDWILaws.Net, All Rights Reserved.


    How to Apply for Your First Business Loan #business #name #ideas

    #apply for a business loan

    #

    How to Apply for Your First Business Loan

    Continue Reading Below

    Unless you plan to fund this enterprise solely with savings—not recommended unless you are fabulously wealthy—you’ll need a business loan. As any lender can tell you, the better prepared you are before making your request for business credit. the greater the likelihood of getting approved.

    Part of this preparation is understanding what bankers will need to approve you. Banks make a major portion of their profits from loans. They’re not in the business of saying no; they just say it when your application doesn’t meet lending requirements, which are much stricter now than before the financial crisis. But be aware that start-ups are almost always considered risky bets, and many lenders are reluctant to finance them. Also know that many larger banks won’t even consider small loans, which are less profitable than larger loans but require the same amount of time to analyze and administer.

    Don’t let these discourage you. Get organized. How small is small? According to the Small Business Administration (SBA), the median small business loan from a financial institution is roughly $135,000, with highest around $250,000. SBA loans, which are not underwritten by the US Government but by SBA partners (lenders, community development organizations and microlending institutions), range from $5,000 (a microloan) to $5 million, with the average around $371,000.

    Do Your Homework So what exactly are lenders looking for? Basically, they’re searching for clues that your business will be able to repay the loan, plus interest, with metronomic regularity. Most financial institutions will expect the loan to be fully secured. either with business assets or personal collateral. Having some skin in the game, meaning you have your own equity invested in the business, strongly works in your favor.

    Lenders also will be looking at opportunities to profit from your success, so as your business grows, so will your business relationship. The buzzword in banking circles these days is cross-selling, so your business loan provider may also seek to be the issuer of your business’s credit cards and holder of your treasury accounts. Lenders will also be looking at you—your personal finance record, your credit score. your assets, your work experience, and your character. If you’re starting a business for the first time, having partners with the experience and track record that you lack may also be a requirement.

    Continue Reading Below

    The Questions You Need to Answer Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, on the right side of the chart. Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, for each of the categories listed below.

    Purpose: What will the funds be used for? (Note that banks won’t lend for speculating, passive investments, pyramid sales or gambling.)

    Amount: How much money do you want to borrow? Why that particular amount? Term and

    Repayment Plan: For how long will you need the money and what is your specific plan for repayment?

    Collateral: What assets, business or personal, do you intend to use as collateral? What is their market value? What portion of their value can you use as collateral?

    Asset and Liability Statement: Your current, complete business asset and liability financial statements (your balance sheet).

    Current Income and Financial Performance Statement: Your current, complete business statement of income and expenses (your profit and loss statement, or P L).

    Business Plan Details: Your written plan for your business including goals and action steps, timetable, resource allocation, funding required, and related financial data. You may be asked for cash flow projections for at least a year.

    Historic Financial Performance Information: Past business financial performance information under your ownership or under the previous owner’s ownership.

    Other Information As Required: Information about you (your C.V. your loan Guarantor—someone who will pledge his/her assets and financials to guarantee repayment of the loan should you default. Guarantors can be a legitimate tipping point factor in getting a “yes” to the credit request.

    If You’re Turned Down What do you do if you get a no? Don’t give up. Pursue the reasons for the rejection. Was it a procedural thing—a missing piece of information on the application—or something else? Then ask what would it take to get a yes.

    You can then either alter your request accordingly and resubmit it, or take it elsewhere. If you keep hitting a brick wall, consider alternative sources of funding. Many entrepreneurs seek out financing from family and friends. Some use their available credit from credit cards or home equity lines of credit to finance their businesses.

    If your no comes from a commercial bank, consider community banks and credit unions, many of which specialize in small business loans. You may also want to look into alternative sources of business credit, like Kabbage.com, which offers cash advances of between $500 and $50,000 to businesses that already have a performance record, such as online sales. If you do decide to go online to fund your business, be sure you understand all of the terms and conditions of the financing, as they can differ from conventional small business loans.





    Consult the Expert – Business First Louisville – CUB: A Kentucky Community

    #business first louisville

    #

    Consult the Expert Business First Louisville

    Topic:
    The Era of Smart Technology

    Nearly all of us today have a Smart Phone, but what is a Smart Safe?
    A Smart Safe is key to managing the challenges of cash in a retail environment. A Smart Safe automatically accepts, validates and stores notes while recording each transaction.

    Smart Safe features include:
    • Note Validation – tracks and records each note while checking for counterfeits
    • Cash Tracking – deposits tracked by each user of the safe by Login ID
    • Reporting – various reports can be generated to streamline reconcilement
    • Connectivity – stores can provide online access to an armored car carrier and the bank

    Benefits of this technology:
    • Eliminates the employee risk of taking cash to a bank branch.
    • Can lower expenses associated with armored car services as frequency of pickups may be reduced.
    • If your bank has online access to the cash deposits they may be willing to provide you advanced availability even though the cash may still be sitting in the safe. If your business consists of managing large amounts of cash, get safe smart.

    Online Banking

    Convenient Capture Login

    Update Your Contact Info
    and Earn $1

    Personalize Your Debit Card

    Sign Up for eStatements

    Use Our Switch Kit to Join Today





    Vets First Verification Program – Office of Small & Disadvantaged Business Utilization

    #business loans for veterans

    #

    Office of Small & Disadvantaged Business Utilization

    Vets First Verification Program

    Temporary Change in Document Submission Policy for Current and New Verification Applications

    During the month of September the Verification Program is undergoing a major transformation in response to feedback provided by the Veteran-Owned Small Businesses community. The modifications and enhancements will result in significant changes to our application process to improve the Veteran experience as we establish MyVA Verification. Document Submission Policy Changes

    Help Desk: (866) 584-2344
    Monday Friday
    8:00am to 8:00pm (Eastern)

    The Department of Veterans Affairs (VA) has special authority for Service-Disabled Veteran-Owned Small Business and Veteran-Owned Small Business (SDVOSB and VOSB) set-aside and sole source contracts.

    Public Law (P.L.) 109-461 entitled Veterans Benefits, Health Care, and Information Technology Act of 2006 provides VA with unique authority for contracting with SDVOSB and VOSB. A new procurement hierarchy within VA for open market procurements was created which places highest priority with SDVOSB then VOSB. These small business groups are followed by 8(a), HUBZone, Women-Owned Small Business, then all other small businesses. This procurement authority, and its subsequent implementation, is a logical extension of VA s mission to care for our nation s Veterans. VA refers to this program as the Veterans First Contracting Program. See VA Acquisition Regulation Part 808, Required Sources of Supplies and Services. for the priorities in acquisition.

    In order to qualify for participation in the VA Veterans First Contracting Program, eligible VOSB owners must first be verified. Start Verification

    Center for Verification and Evaluation (CVE) Transformation

    Candid feedback from SDVOSB and VOSB stakeholders indicated that CVE needed to increase customer service touchpoints within the existing Vets First Verification process. The MyVA Verification Application Transformation Trial outlines this organizational transformation and the improvements to Verification processing.

    Verification Guides and Popular Fact Sheets

    • Initial Verification Application Guide – Outlines regulatory requirements in 38 CFR Part 74; assists applicants to comply with when applying for Verification.
    • 4 Steps to VA Verification – Provides snapshot of steps associated with Verification process.
    • What documents do I need to apply? – Lists required documentation necessary to apply for Verification.
    • Verification Application Required Documents Rationale – Provides insight on what documents are needed for Verification and how CVE reviews them to process Verification applications.
    • Reverification Process Fact Sheet – Read more about the Reverification process.
    • Average Verification Processing Time – View the average processing time of Verification applications over the last three months.

    Verification Webinars and Town Halls

    • Verification Webinars and Town Halls – CVE hosts recurring training for interested SDVOSBs/VOSBs on different aspects of the Verification process.

    Verification Assistance Program

    VA has developed a Verification Assistance Program to help Veterans understand Verification policy and processes. The goal of this program is to reduce the risk of denial due to lack of understanding and misinterpretation of the regulation. Partnering Veteran service organizations and small business support organizations can provide assistance to Veterans who are interested in applying for the Vet First Verification Program.

    VA Certified Verification Counselors

    VA Certified Verification Counselors are trained by VA OSDBU to provide Verification application assistance to SDVOSBs/VOSBs. Counselor assistance is available at no cost to the Veteran and available throughout the United States, Puerto Rico, and Guam. Additional counselor assistance features include:

    • Provide insight regarding the interpretation of regulation 38 CFR Part 74
    • Review a firm s business model
    • Answer questions on how to use the Verification Self-Assessment Tool
    • Status Checks on where an applicant is in the Verification process

    If you are a SDVOSB/VOSB applicant in need of assistance, visit the list of VA Certified Verification Counselors.

    Verification Assistance Counselor Training

    VA continues to offer its Understanding the VA Verification Process training series to certify Verification Counselors nationwide. Interested Procurement Technical Assistance Center (PTAC) Counselors and Veteran Partner Organizations interested in becoming VA certified to counsel Veterans are encourgaged to participate. View Upcoming Training Dates and Register for Training

    Laws and Regulations

    • 38 CFR 74 – VA Veteran-Owned Small Business Verification Guidelines
    • 38 CFR 74 RIN 2900-AO49 – Interim final rule regarding the two-year Verification eligibility term for SDVOSB/VOSBs (See page 1, Center Column )
    • 38 U.S.C. 8127/8128 Veteran Benefits
    • P.L. 111-275, Sec. 104 Small Business Verification Act
    • 48 C.F.R. Parts 802, 804, 808, 809, 810, 813, 815, 817, 819, 828 852 Veterans First Contracting

    Center for Verification and Evaluation Standard Operating Procedure (Last reviewed on September 29, 2015)

    VA Moves Against Non-Compliant and Fraudulent Firms

    CVE has established a process to report firms alleged to be non-compliant with one or more of the regulatory requirements for the Vets First Verification Program. Report firms believed to be non-compliant of 38 CFR Part 74 .

    The VA Office of Inspector General is committed to protecting the rights of SDVOSBs/VOSBs by vigorously investigating and seeking prosecution of those who deprive Veterans who have earned the right to set-aside government contracts. Report fraud to VA OIG Hotline .

    Sorry, your browser does not support JavaScript. Please use the right-column to sign-up to receive email updates from Office of Small and Disadvantaged Business Utilization





    American CPR Training™ #cpr, #cpr #training #classes, #first #aid #training, #first #aid


    #

    Our price is lower than the manufacturer’s minimum advertised price. As a result, we cannot show you the price in catalog or the product page.

    You have no obligation to purchase the product once you know the price. You can simply remove the item from your cart.

    Our price is lower than the manufacturer’s minimum advertised price. As a result, we cannot show you the price in catalog or the product page.

    You have no obligation to purchase the product once you know the price. You can simply remove the item from your cart.

    the Time, the Price, and TWICE the Fun!

    CPR Training, AED Courses, First Aid Classes and 100 ‘s of other OSHA Safety Training Topics

    Train in an accelerated format at your location (training at work, home, you name it – we come to you!) using the knowledge of the industry’s leading professionals, presented in an entertaining and informative manner. Our OSHA Safety Training Classes are offered in a “corporate style”, streamlined format

    Save a Life A.C.T. Now!

    American CPR Training . Be sure to try our On-Line Price Quote Form for group training at your facility. CPR. First Aid. AED. BBP. Forklift OSHA Safety Classes.

    Just click the ‘Get a Quote Now ‘ button on to the right to get a quote now for American CPR Training . America’s Favorite CPR, AED First Aid Training . Have a Safe Day.

    Training

    On-Site GROUP CPR, First Aid, AED, OSHA BBP Training Quotes

    American CPR Training offers many OSHA Compliance Safety Training classes, courses, and programs.

    Click Here for List of OSHA Compliance Safety Training Classes Available Through American CPR Training
    (Click Here to Open or Close List)

    American CPR Training

    America’s Favorite CPR, AED First Aid Training is more than just the Leader in Safety Training throughout the US, Canada, Mexico.
    American CPR Training is ½ the Time, ½ the Price, and TWICE the Fun!
    American CPR Training also offers all aspects of Environmental Health Safety consulting, training, products, management, and services.

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    Fire Extinguisher and Fire Safety Training

    In the News

    American CPR Training Affiliate Instructor, Tech Sergeant Earl Scott, returned from a 7 months deployment at Al Udeid Air Force base overseas in Qatar. He is originally from Brooklyn, NY but resides in Philadelphia, PA. Friends and family were anxious for his arrival. His family was told to meet at the base for an orientation about what they should expect when their loved one came home. To their surprise- Earl was already home!

    On top of being a Tech Sergeant and American CPR Training Affiliate Instructor, Earl is also a teacher, a coach, and the athletic Director at Holmesburg Christian Academy. He cares about his students and made sure he took the time to also explain to them what it was like and what he did overseas. After a little bit of R R he has returned to his normal routine, including teaching for American CPR Training . His love for teaching makes his classes “fun, highly informative and very hands-on”. He uses real world experience and provides a lot of feedback so the American CPR Training participants feel confident when providing lifesaving skills.

    Earl Scott is a representative of the caliber we look for in our American CPR Training Instructors.

    Products

    Spanish Training Too!

    Learn at Home!

    ACT is proud to be home to the first and only American Heart Association Approved “Learn at Home” CPR programs including CPR Anytime. These programs come complete with instruction DVDs, student workbook, and up to TWO Mannequins for practice and review so you can keep your skills fresh. ALL FROM ONLY $34.95!

    What’s New..

    ACT now has more to offer!

    CORPORATE CLIENTS: Besides our international group of affiliate instructors, we now also are proud to offer full EHS services in these, and many other communities:
    (listed by state)


    Checking – Citizens First Bank #checking, #citizens #first #bank


    #

    About Us

    Personal Checking

    Personal Savings

    Personal Services

    Home Equity

    Online Banking

    Mobile Banking

    Business Checking

    Business Savings

    Business Loans

    Business Services

    Privacy Security

    Legal

    Personal Checking

    BAM! Checking with Interest

    Benefits:

    • Unlimited access to BaZing savings
    • Cell phone protection
    • Identity theft protection
    • Roadside assistance
    • Pharmacy, vision and hearing savings
    • $10,000 Travel accidental death coverage
    • Great interest on your checking balance

    BAM! Checking

    BAM! Checking is ideal if you want all of the features of a checking account plus value-added benefits.

    Benefits:

    • Unlimited access to BaZing savings
    • Cell phone protection
    • Identity theft protection
    • Roadside assistance
    • Pharmacy, vision and hearing savings
    • $10,000 Travel accidental death coverage

    Platinum Plus

    Platinum Plus is the account that rewards you when you use it. Just by meeting simple qualifications each month, you can earn a premium interest rate on your money.

    Qualifications:

    • Twelve (12) VISA Check Card transactions post and settle to the account each statement cycle. ATM transactions are excluded.
    • One (1) direct deposit or ACH debit transaction.
    • Enroll and receive eStatements.
    • Monthly login to Online Banking required.
    • Must be a full-time resident of Kentucky or Tennessee.
    • Limit one account per social security number.
    • If all specified criteria are met, up to $25.00 in ATM fees will be refunded per statement cycle.

    Stress-Free Checking

    Stress-Free Checking is a simple, no-hassle checking account that requires no minimum balance and allows unlimited check writing. The monthly service fee is $5, and it can be waived with eStatements or a $1,000 daily minimum balance.

    Money Market Account

    Maximize your earnings with an account that rewards you with competitive interest rates in a tiered-rate structure. This account is ideal for saving but also has the accessibility of a checking account.

    Health Savings Account (HSA)

    This account allows clients currently enrolled in an HSA-qualified high-deductible health plan (HDHP) to save for future qualified medical expenses on a tax-free basis. Interest earned on the account and qualified withdrawals are not taxed.

    Important Notice to Visa Check Card Users:

    Are you planning to travel outside of the United States? If you intend to use your Visa Check Card while traveling, please contact us at 888-232-9901 so that we can make sure you will have access to your account while you are away.


    Connecticut Threatening Laws – CT Penalties for Threatening to Commit a Crime


    #

    Connecticut Threatening Laws Penalties

    Most people don t know that simply threatening someone else can result in a serious criminal charge that could include jail time in your are found guilty.

    There are two classes of threatening under the Connecticut Penal code: first degree, which is generally terroristic threats to a group of people, or second degree, which is generally threatening a person with harm.

    Call for a free legal consultation on your Connecticut criminal charge of threatening, and I ll go over your case and help you determine your best options to beat the charges.

    What is Threatening?

    According to Connecticut criminal law, threatening to commit a crime is defined as follows:

    It is a felony level charge (first degree threatening. also known as terroristic threats), if:

    • you terrorize someone using a hazardous substance
    • cause the evacuation of a building or public place
    • threaten to commit such a crime that would cause significant public inconvenience, or in reckless disregard to causing that convenience.

    Threatening in the Second Degree is defined as:

    • placing another person in fear of imminent personal injury
    • threatening to commit a crime of violence in order to terrorize another person
    • issuing threats that are in reckless disregard of causing fear or terror

    Penalties for Threatening in Connecticut


    Business Advice: Enterprise First #sample #business #proposal

    #business advice

    #

    Business Advice

    We offer workshops and events across the South East.

    • Event date: 13/09/2016
      Bookkeeping – Enterprise First
    • Event date: 13/10/2016
      Bookkeeping – Enterprise First
    • Event date: 15/11/2016
      Bookkeeping – Enterprise First
    • Event date: 08/12/2016
      Bookkeeping – Enterprise First
    • First class help and advice
    • Advisor very personable, felt at ease, gave me confidence that I was making the right decision
    • A nice man, easy to talk to and very helpful and gave me some great advice, thank you
    • The key issues for action plans given to me really helped me focus on my next strategy in setting up my business
    • Very helpful; gave me all the info I needed and answered any questions I may have had
    • Good feedback as always from Henry. I’ve come away with some fresh ideas
    • Very Good, very helpful, raised various points
    • Excellent service from a very professional man. Thank you so much

    Blog

    Enterprise First and Business South merger will bring a boost to Southern regional economy

    Enterprise First and Business South merger will bring a boost to Southern regional economy A MERGER has been agreed between two Hampshire based not-for-profit companies with the aim.

    Newsletter sign up

    Get in touch





    Business First Healthiest Employer Award #business #management #degree

    #business first louisville

    #

    Business First Healthiest Employer Award

    The University of Louisville was chosen as the 2010 Healthiest Employer in the 5,000-employee-plus category of Business First’s inaugural Greater Louisville’s Healthiest Employers awards program. The winners in each of the five categories were announced at a luncheon on Thursday, Nov. 18, 2010 in the Cascade Ballroom at the Louisville International Convention Center. A special publication profiling the finalists was included in the Nov. 19 issue of Business First.

    Additional Media recognition:

    Health Fitness Corporation’s monthly newsletter, HealthWire: December 2010 edition

    Excerpt From UofL Today

    Business First awards UofL as healthiest employer

    by UofL Today — l Nov 18, 2010

    The University of Louisville is the healthiest employer in Louisville of companies with 5,000 or more employees.

    Get Healthy Now director Patricia Benson accepted the Business First award at a Nov. 18 luncheon at the Kentucky International Convention Center.

    The luncheon, said Business First publisher Tom Monahan, not only paid tribute to the 15 award finalists (three in each of five categories by business size), but it also was a way to help employers learn from each other how to create healthy workplaces.

    As he presented the awards, he asked each employer’s representative a question related to an aspect of his or her company’s program.

    Noting that UofL’s five-year-old Get Healthy Now program has a 70 percent participation rate among faculty and staff and that the number of insurance claims among participants is significantly lower than that among non-participants, Monahan asked Benson to explain the program’s success.

    Get Healthy Now is successful, she said, because of the support it has received since its beginning from President James Ramsey and Provost Shirley Willihnganz. She also explained that Get Healthy Now’s staff continually solicits feedback from its members on program components and works to tailor the program to their needs and wants.

    “It’s the employees’ program,” she said.

    Business First started the Healthiest Employer award this year and asked companies to complete a 75-question survey designed to measure six core areas of wellness:

    • cultural and leadership commitment;
    • foundation components;
    • strategic planning;
    • communications and marketing;
    • programming and intervention;
    • and reporting and analysis.

    Healthiest Employer LLC, in Indianapolis, developed the survey and scored the Louisville ones to determine the winners.

    Each of the finalists is featured in the publication “Healthiest Employers of Greater Louisville” that will be part of the Nov. 19 Business First paper.

    Besides UofL, the other two finalists in the 5,000-plus employees category were GE Appliances and Lighting and Norton Healthcare Inc.





    Louisville Business First: 20 People to Know: Trey Riddle #business #profile

    #business first louisville

    #

    Louisville Business First: 20 People to Know: Trey Riddle

    Favorite way to spend time away from work:

    Describe your company:

    Sunstrand is a manufacturer and supplier of biomaterials for a variety of technical and industrial applications. Our focus markets are polymer composites, plastics and technical nonwovens. Basically, we take raw agricultural feedstocks (bamboo, kenaf, flax, hemp) and manufacture our products that take the form of fibers and fillers (particulates).

    Our customers (upstream manufacturers) then incorporate these materials into their products. Ultimately, our materials will be used in a variety of applications, including consumer goods, automotive, building materials and sporting goods.

    What is the biggest hurdle for entrepreneurs in the area?

    Acquisition of capital is probably the No. 1 most challenging issue facing startups in the area. The community has done a really good job of highlighting some of the bigger names in local investment, but that is just the tip of the iceberg, so to speak.

    How do we get below the water line? Additionally, there are way more companies needing capital than investors, and that breeds deal partiality.

    What is some advice for people who want to start a company?

    Seek out help. I have found that people are generally willing to have open discussions with you about a variety of business-related topics if you just ask nicely. The key in those situation is to not push product, but rather reach out for advice. Be dedicated and stay vigilant — there will be ups and downs. It is not all about the money. If you are not passionate about the business, don’t even think about starting it.

    What’s the most interesting question a potential investor has ever asked you?

    What is your plan? Not what is the business plan, but where do I see myself personally in 10 years. I think the key here was that the potential investor was interested in my personal goals because he knew that it would affect the business in the long run.

    Share This Story, Choose Your Platform!





    2016 Chevrolet Malibu vs #2016 #chevrolet #malibu #lt #vs. #2016 #honda #accord


    #

    2016 Chevrolet Malibu vs. 2016 Honda Accord, 2016 Mazda 6, 2016 Toyota Camry

    From the April 2016 issue

    Let s start the proceedings with a couple of toasts. First, here s to the ancient Chumash Indians, the name of whose little creekside California hamlet of Humaliwo got boiled down by the tongues of the conquering Spanish into the word Malibu. And here s to the widow Rhoda May Knight Rindge, or May to her friends. The last owner of the 17,000-acre Rancho Malibu, she battled the burgeoning Los Angeles County to stop its plans for a coastal road through her property. But back in 1919, L.A. got what L.A. wanted, and the Pacific Coast Highway was born as the Roosevelt Highway. Luckily, Rindge did not live to see the banks of her beloved Malibu Creek developed with outlets for Starbucks and Yogasmoga. Nor, indeed, did she live to see the mid-size Chevy Chevelle that took the rancho s name in 1964.

    Why all the fuss over Malibu in this test of four mid-size sedans? No particular reason, except that we decided to take the new Malibu and its most formidable competitors to Rindge s old, sunny seaside homestead, where the miles of good road are today outnumbered only by the suntanned utopians carrying their teacup Maltipoos.

    Radically redesigned this year, the Chevy Maltipoo, er, Malibu has its name written on the front doors in widely spaced movie-theater-marquis letters, as if a David Lean epic is about to open. To keep the prices real, we opted for the base engines on all the cars in this test. While the others here have conventionally breathing four-cylinder engines displacing 2.4 to 2.5 liters, the Malibu goes turbo right off the bat with a blown 1.5-liter. Our LT is a couple of steps up from the bottom, and as equipped is the most expensive car here at $27,940. However, knock off the $1150 sunroof that we opened just once, to make sure it did open, and the Malibu would be the second-cheapest car in this test.

    We re always extolling the Honda Accord. and its near-perennial status as a 10Best winner ensures its place in this test as the high castle for everyone else to throw rocks at. The version to buy is the Sport manual, but as this is a slush-only test, we took this opportunity to live for a while with the optional continuously variable transmission. A CVT is as far as you can possibly get from a manual unless your car has hydrostatic drive. The Accord doesn t, but it does offer a Sensing package with a bunch of anti-collision systems that add a grand to the price. Even so, at $26,900, this Accord Sport represents the second-lowest price.

    Mazda s 6 is always a sales underdog, a brand-B pick that is still built in Japan and still living in the shadows of giants. More than seven Toyota Camrys get sold for every Mazda 6. But the 6 is a former comparo winner and 10Best awardee. If the Malibu is to earn space on the zestier side of the family-car menu, it s the 6 that it will have to contend with. The current 6 debuted in 2014 but got an update for 2016 that includes a fancier interior. Of the three trim levels available, our Touring is the middle one, with a 184-hp 2.5-liter four and a six-speed automatic. Our sleek test car arrived with just one option: $300 Soul Red paint.

    And speaking of the big C, here comes the sales champ, natty in a swish blue robe and rolling on 18-inch aluminum wheels with black accents. This Lawrence Welk of Toyota Camrys ouch, okay, maybe this Lady Gaga of Camrys is an SE, with the wheels, Blue Streak Metallic paint, and blue seats and blue-glowing gauges (you gotta really like blue) that are all tossed in with the $1875 Special Edition package. If you don t fancy blue, pearl white is also available. Our one option, an entertainment-and-navigation suite, costs $525.

    Thus, the Malibu must contend with two market giants in the Accord and Camry and a left-field challenger in the 6. The hugely competitive mid-size segment is home to scores of other entries. But we ve bypassed the Sweet 16 and gone straight to the Final Four. Some of the slighted competitors will get a chance in the future to face the winner of this comparo, so we d better get on with the business of picking one.


    Over-the-Rhine Chamber: Cincinnati, Ohio: Business First Grant #business #courses

    #business first

    #

    Business First Grant (BFG)

    Business Recruitment Initiative for Over-the-Rhine

    The mission of the Business First Grant Program (BFG) is to benefit the city by strengthening the local economy, increasing business and employment opportunities, and animating the sidewalks of OTR.


    To be eligible for a grant, the incoming business must:

    • Be new to Over-the-Rhine. New businesses and businesses previously established in other locations are permitted to apply. It is preferred that established businesses are currently located outside of the City of Cincinnati boundaries.
    • Occupy a storefront or occupy other location in OTR that is consistent with the neighborhood tenanting strategy.
    • Sign a three-year lease with the landlord (see note below regarding letters of intent).

    * The tenant and business owner/landlord negotiate the required build out, renovation and
    preparation required of the building and disclose the cost of build out and the monthly rental
    amount.
    * The incoming tenant/ business will submit a copy of its current business plan to the building
    owner/landlord before lease negotiations will be completed.
    * Building owners and/or landlords must agree to participate fully in the program and tri-party
    meetings will be held between the applicant, Chamber and Landlord.

    • Agree to be open at least 50 hours per week .
    • Submit a complete application prior to opening .

    * This includes a thorough and well-organized business plan with a start-up budget and projected
    cash flow statements for the first three years of operation.

    • Once awarded funds, agree to actively participate in the Business First mentoring program, which includes attending regular meetings with a mentor to discuss business details and providing annual financial statements for the period of the lease.

    * The new business meets with the Mentor to discuss concerns and review financial information
    regularly for three years. As needed, a new business owner may be teamed up with an
    experienced business owner to work together to address a specific need.
    2016 Program Goals

    • Promote diversity among business owners in OTR.
    • Increase customer traffic, safety, and return on investment.
    • Support capital improvement in unused and underutilized storefronts for business occupation in OTR.
    • Mentor and encourage businesses that strengthen the neighborhood as a viable and diverse place to live, work and play.
    • Provide an environment for individuals, entrepreneurs, investors and businesses to thrive.

    Desirable businesses include retail, neighborhood services, large employers who hire from within OTR, Women/Minority Business Enterprises, and those that locate in an area that is compatible with the tenanting strategy for the neighborhood. Ineligible businesses include convenience stores, check-cashing services, temporary labor services, churches, social services, not for profits, home-based businesses, and businesses that are not compatible with adjacent residential uses.

    Businesses that are selected through the Business First Grant Program s competitive process will be awarded a matching grant up to $20,000 for furniture, fixtures and equipment (FFE) and tenant improvements (TI). The funds will be distributed through a reimbursement process through the OTR Chamber.

    Additionally, the BFG Program works to create a support network for the new business. Ongoing mentoring will be provided for the three year duration of the program. The Review Committee will match the new business owner with a committee member mentor based on the needs of the business. The Review Committee may also refer the new business to local business resources to strengthen areas of the business that present a challenge to the business success. A member of the Review Committee will meet with the business owner regularly to address any concerns the business owner may have and assist the business owner in updating her/his Business Plan.

    Applications will be reviewed twice annually through a competitive process. Applications will be due December 6, 2016.

    Applicants must submit a completed application to the OTR Chamber prior to opening up for business. At the time of application submission, expected project completion date should be within 9 months to a year. The Application form can be downloaded at the bottom of this page. The submission should include a:

    • Professional Business Plan that clearly articulates the business model, industry analysis, demographics of target population, hours of operation and corresponding staffing schedules, experience of personnel, marketing strategy, and includes detailed cash flow projections. (Note, click the link above “Professional Business Plan” to read tips from Forbes)
    • Three Year Lease including the landlord s contact information so the OTR Chamber can contact her/him to discuss the terms of the lease. Please note, a signed letter of intent by landlord and applicant can be submitted initially if a signed lease is not in place at the time of submission. Awarding of any grant money would be contingent upon a signed three year lease.
    • Detailed Build-Out Costs of space clearly defining what will be provided by the landlord and what is the responsibility of the tenant. Detailed budget for FFE is also required.

    The applications will be reviewed semi-annually in a competitive process by the Business Attraction and Retention Review Committee.

    This program is administered by OTR Chamber of Commerce with the support of a Review Committee to oversee leases, programs and funding.

    The Business First Grant program is made possible by the following corporate and foundation partners: BB T, The Carol Ann and Ralph V. Haile, Jr. / U.S. Bank Foundation, Over-the-Rhine Chamber of Commerce, PNC Bank, and P G.





    Vets First Verification Program – Office of Small & Disadvantaged Business Utilization

    #business loans for veterans

    #

    Office of Small & Disadvantaged Business Utilization

    Vets First Verification Program

    Temporary Change in Document Submission Policy for Current and New Verification Applications

    During the month of September the Verification Program is undergoing a major transformation in response to feedback provided by the Veteran-Owned Small Businesses community. The modifications and enhancements will result in significant changes to our application process to improve the Veteran experience as we establish MyVA Verification. Document Submission Policy Changes

    Help Desk: (866) 584-2344
    Monday Friday
    8:00am to 8:00pm (Eastern)

    The Department of Veterans Affairs (VA) has special authority for Service-Disabled Veteran-Owned Small Business and Veteran-Owned Small Business (SDVOSB and VOSB) set-aside and sole source contracts.

    Public Law (P.L.) 109-461 entitled Veterans Benefits, Health Care, and Information Technology Act of 2006 provides VA with unique authority for contracting with SDVOSB and VOSB. A new procurement hierarchy within VA for open market procurements was created which places highest priority with SDVOSB then VOSB. These small business groups are followed by 8(a), HUBZone, Women-Owned Small Business, then all other small businesses. This procurement authority, and its subsequent implementation, is a logical extension of VA s mission to care for our nation s Veterans. VA refers to this program as the Veterans First Contracting Program. See VA Acquisition Regulation Part 808, Required Sources of Supplies and Services. for the priorities in acquisition.

    In order to qualify for participation in the VA Veterans First Contracting Program, eligible VOSB owners must first be verified. Start Verification

    Center for Verification and Evaluation (CVE) Transformation

    Candid feedback from SDVOSB and VOSB stakeholders indicated that CVE needed to increase customer service touchpoints within the existing Vets First Verification process. The MyVA Verification Application Transformation Trial outlines this organizational transformation and the improvements to Verification processing.

    Verification Guides and Popular Fact Sheets

    • Initial Verification Application Guide – Outlines regulatory requirements in 38 CFR Part 74; assists applicants to comply with when applying for Verification.
    • 4 Steps to VA Verification – Provides snapshot of steps associated with Verification process.
    • What documents do I need to apply? – Lists required documentation necessary to apply for Verification.
    • Verification Application Required Documents Rationale – Provides insight on what documents are needed for Verification and how CVE reviews them to process Verification applications.
    • Reverification Process Fact Sheet – Read more about the Reverification process.
    • Average Verification Processing Time – View the average processing time of Verification applications over the last three months.

    Verification Webinars and Town Halls

    • Verification Webinars and Town Halls – CVE hosts recurring training for interested SDVOSBs/VOSBs on different aspects of the Verification process.

    Verification Assistance Program

    VA has developed a Verification Assistance Program to help Veterans understand Verification policy and processes. The goal of this program is to reduce the risk of denial due to lack of understanding and misinterpretation of the regulation. Partnering Veteran service organizations and small business support organizations can provide assistance to Veterans who are interested in applying for the Vet First Verification Program.

    VA Certified Verification Counselors

    VA Certified Verification Counselors are trained by VA OSDBU to provide Verification application assistance to SDVOSBs/VOSBs. Counselor assistance is available at no cost to the Veteran and available throughout the United States, Puerto Rico, and Guam. Additional counselor assistance features include:

    • Provide insight regarding the interpretation of regulation 38 CFR Part 74
    • Review a firm s business model
    • Answer questions on how to use the Verification Self-Assessment Tool
    • Status Checks on where an applicant is in the Verification process

    If you are a SDVOSB/VOSB applicant in need of assistance, visit the list of VA Certified Verification Counselors.

    Verification Assistance Counselor Training

    VA continues to offer its Understanding the VA Verification Process training series to certify Verification Counselors nationwide. Interested Procurement Technical Assistance Center (PTAC) Counselors and Veteran Partner Organizations interested in becoming VA certified to counsel Veterans are encourgaged to participate. View Upcoming Training Dates and Register for Training

    Laws and Regulations

    • 38 CFR 74 – VA Veteran-Owned Small Business Verification Guidelines
    • 38 CFR 74 RIN 2900-AO49 – Interim final rule regarding the two-year Verification eligibility term for SDVOSB/VOSBs (See page 1, Center Column )
    • 38 U.S.C. 8127/8128 Veteran Benefits
    • P.L. 111-275, Sec. 104 Small Business Verification Act
    • 48 C.F.R. Parts 802, 804, 808, 809, 810, 813, 815, 817, 819, 828 852 Veterans First Contracting

    Center for Verification and Evaluation Standard Operating Procedure (Last reviewed on September 29, 2015)

    VA Moves Against Non-Compliant and Fraudulent Firms

    CVE has established a process to report firms alleged to be non-compliant with one or more of the regulatory requirements for the Vets First Verification Program. Report firms believed to be non-compliant of 38 CFR Part 74 .

    The VA Office of Inspector General is committed to protecting the rights of SDVOSBs/VOSBs by vigorously investigating and seeking prosecution of those who deprive Veterans who have earned the right to set-aside government contracts. Report fraud to VA OIG Hotline .

    Sorry, your browser does not support JavaScript. Please use the right-column to sign-up to receive email updates from Office of Small and Disadvantaged Business Utilization





    Business – First Capital Bank of Kentucky – Louisville, KY #sba #loan

    #business first louisville

    #

    Allow the business expertise of First Capital Bank to be your most important financial resource. We work with our clients to develop a keen understanding of their businesses and personal lives, as they are often closely interwoven. We can then evaluate financial hurdles and opportunities intelligently, recommending solutions that make sense on a personal and professional level. We respond to our business customers by designing an approach that asks the right questions and provides the solutions necessary to meet the unique needs dictated by today s changing business climate. Allow our experienced, knowledgeable and highly qualified team to provide you with the most responsive financial products and services available to you and your business. Check out our options, use our helpful financial tools, and schedule a visit with us today. We re eager to help you get started.

    Contact Us

    Thank you for your interest in First Capital Bank of Kentucky. We strive to make ourselves available to you, via email, telephone, postal mail and in person at any of our branch locations. or use the secure form found on our Contact Us page.

    First Capital Bank of Kentucky
    293 N. Hubbards Lane
    Louisville, KY 40207





    Business Free Checking, First National Bank #best #new #business #ideas

    #free business banking

    #

    Business Free Checking

    With no minimum deposit to open, no minimum balance requirement and 150 free transactions a month ($0.25 per item thereafter), Business Free Checking is designed for the small business that values flexibility and cost-control.

    • 150 free transactions per month ($0.25 per item thereafter)
    • No minimum balance
    • No monthly maintenance fee
    • $200 mortgage closing cost credit (See a Mortgage Loan Officer for complete details)
    • Free Online Banking, BillPay and Account Alerts

    Business Debit Cards

    Business Free Checking comes with a free Visa Business Debit Card. Use it to make up to $5,000 a day in purchases from merchants, or to access up to $1,000 a day in cash from ATMs. 1 Also enjoy easy record-keeping, dependable security, worldwide acceptance and zero liability 2 for fraudulent charges. Open a business checking account and start using your Visa Business Debit Card today.

    Visa Business Debit Card

    • Up to $5,000/per day at merchants and up to $1,000/per day at ATMs 2
    • Record keeping made easy. All Visa Business Debit Card purchases are deducted directly from your checking account; transactions appear online and on your monthly statement.
    • Accepted Worldwide

    When you use your Visa Business Debit Card, you’re protected by Visa’s Zero Liability Policy 3 so you won’t be held responsible for unauthorized charges.

    Visa’s Zero Liability Policy makes shopping 100% safe and secure. Shop online, on the phone, or in your favorite store and never be liable for unauthorized use on your card. With Visa’s Zero Liability Policy. you risk nothing and PAY nothing for unauthorized use.

    Learn More

    1 A surcharge may be assessed when using an ATM not branded with .

    2 Visa’s Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security .

    First National Bank is an equal opportunity employer-disability/veteran

    Copyright First National Bank of Omaha. All Rights Reserved.
    1620 Dodge Street, Omaha, Nebraska 68197





    Over-the-Rhine Chamber: Cincinnati, Ohio: Business First Grant #stock #market

    #business first

    #

    Business First Grant (BFG)

    Business Recruitment Initiative for Over-the-Rhine

    The mission of the Business First Grant Program (BFG) is to benefit the city by strengthening the local economy, increasing business and employment opportunities, and animating the sidewalks of OTR.


    To be eligible for a grant, the incoming business must:

    • Be new to Over-the-Rhine. New businesses and businesses previously established in other locations are permitted to apply. It is preferred that established businesses are currently located outside of the City of Cincinnati boundaries.
    • Occupy a storefront or occupy other location in OTR that is consistent with the neighborhood tenanting strategy.
    • Sign a three-year lease with the landlord (see note below regarding letters of intent).

    * The tenant and business owner/landlord negotiate the required build out, renovation and
    preparation required of the building and disclose the cost of build out and the monthly rental
    amount.
    * The incoming tenant/ business will submit a copy of its current business plan to the building
    owner/landlord before lease negotiations will be completed.
    * Building owners and/or landlords must agree to participate fully in the program and tri-party
    meetings will be held between the applicant, Chamber and Landlord.

    • Agree to be open at least 50 hours per week .
    • Submit a complete application prior to opening .

    * This includes a thorough and well-organized business plan with a start-up budget and projected
    cash flow statements for the first three years of operation.

    • Once awarded funds, agree to actively participate in the Business First mentoring program, which includes attending regular meetings with a mentor to discuss business details and providing annual financial statements for the period of the lease.

    * The new business meets with the Mentor to discuss concerns and review financial information
    regularly for three years. As needed, a new business owner may be teamed up with an
    experienced business owner to work together to address a specific need.
    2016 Program Goals

    • Promote diversity among business owners in OTR.
    • Increase customer traffic, safety, and return on investment.
    • Support capital improvement in unused and underutilized storefronts for business occupation in OTR.
    • Mentor and encourage businesses that strengthen the neighborhood as a viable and diverse place to live, work and play.
    • Provide an environment for individuals, entrepreneurs, investors and businesses to thrive.

    Desirable businesses include retail, neighborhood services, large employers who hire from within OTR, Women/Minority Business Enterprises, and those that locate in an area that is compatible with the tenanting strategy for the neighborhood. Ineligible businesses include convenience stores, check-cashing services, temporary labor services, churches, social services, not for profits, home-based businesses, and businesses that are not compatible with adjacent residential uses.

    Businesses that are selected through the Business First Grant Program s competitive process will be awarded a matching grant up to $20,000 for furniture, fixtures and equipment (FFE) and tenant improvements (TI). The funds will be distributed through a reimbursement process through the OTR Chamber.

    Additionally, the BFG Program works to create a support network for the new business. Ongoing mentoring will be provided for the three year duration of the program. The Review Committee will match the new business owner with a committee member mentor based on the needs of the business. The Review Committee may also refer the new business to local business resources to strengthen areas of the business that present a challenge to the business success. A member of the Review Committee will meet with the business owner regularly to address any concerns the business owner may have and assist the business owner in updating her/his Business Plan.

    Applications will be reviewed twice annually through a competitive process. Applications will be due December 6, 2016.

    Applicants must submit a completed application to the OTR Chamber prior to opening up for business. At the time of application submission, expected project completion date should be within 9 months to a year. The Application form can be downloaded at the bottom of this page. The submission should include a:

    • Professional Business Plan that clearly articulates the business model, industry analysis, demographics of target population, hours of operation and corresponding staffing schedules, experience of personnel, marketing strategy, and includes detailed cash flow projections. (Note, click the link above “Professional Business Plan” to read tips from Forbes)
    • Three Year Lease including the landlord s contact information so the OTR Chamber can contact her/him to discuss the terms of the lease. Please note, a signed letter of intent by landlord and applicant can be submitted initially if a signed lease is not in place at the time of submission. Awarding of any grant money would be contingent upon a signed three year lease.
    • Detailed Build-Out Costs of space clearly defining what will be provided by the landlord and what is the responsibility of the tenant. Detailed budget for FFE is also required.

    The applications will be reviewed semi-annually in a competitive process by the Business Attraction and Retention Review Committee.

    This program is administered by OTR Chamber of Commerce with the support of a Review Committee to oversee leases, programs and funding.

    The Business First Grant program is made possible by the following corporate and foundation partners: BB T, The Carol Ann and Ralph V. Haile, Jr. / U.S. Bank Foundation, Over-the-Rhine Chamber of Commerce, PNC Bank, and P G.





    Business First Healthiest Employer Award #ideas #for #business

    #business first louisville

    #

    Business First Healthiest Employer Award

    The University of Louisville was chosen as the 2010 Healthiest Employer in the 5,000-employee-plus category of Business First’s inaugural Greater Louisville’s Healthiest Employers awards program. The winners in each of the five categories were announced at a luncheon on Thursday, Nov. 18, 2010 in the Cascade Ballroom at the Louisville International Convention Center. A special publication profiling the finalists was included in the Nov. 19 issue of Business First.

    Additional Media recognition:

    Health Fitness Corporation’s monthly newsletter, HealthWire: December 2010 edition

    Excerpt From UofL Today

    Business First awards UofL as healthiest employer

    by UofL Today — l Nov 18, 2010

    The University of Louisville is the healthiest employer in Louisville of companies with 5,000 or more employees.

    Get Healthy Now director Patricia Benson accepted the Business First award at a Nov. 18 luncheon at the Kentucky International Convention Center.

    The luncheon, said Business First publisher Tom Monahan, not only paid tribute to the 15 award finalists (three in each of five categories by business size), but it also was a way to help employers learn from each other how to create healthy workplaces.

    As he presented the awards, he asked each employer’s representative a question related to an aspect of his or her company’s program.

    Noting that UofL’s five-year-old Get Healthy Now program has a 70 percent participation rate among faculty and staff and that the number of insurance claims among participants is significantly lower than that among non-participants, Monahan asked Benson to explain the program’s success.

    Get Healthy Now is successful, she said, because of the support it has received since its beginning from President James Ramsey and Provost Shirley Willihnganz. She also explained that Get Healthy Now’s staff continually solicits feedback from its members on program components and works to tailor the program to their needs and wants.

    “It’s the employees’ program,” she said.

    Business First started the Healthiest Employer award this year and asked companies to complete a 75-question survey designed to measure six core areas of wellness:

    • cultural and leadership commitment;
    • foundation components;
    • strategic planning;
    • communications and marketing;
    • programming and intervention;
    • and reporting and analysis.

    Healthiest Employer LLC, in Indianapolis, developed the survey and scored the Louisville ones to determine the winners.

    Each of the finalists is featured in the publication “Healthiest Employers of Greater Louisville” that will be part of the Nov. 19 Business First paper.

    Besides UofL, the other two finalists in the 5,000-plus employees category were GE Appliances and Lighting and Norton Healthcare Inc.





    Business – First Capital Bank of Kentucky – Louisville, KY #lawn #mowing

    #business first louisville

    #

    Allow the business expertise of First Capital Bank to be your most important financial resource. We work with our clients to develop a keen understanding of their businesses and personal lives, as they are often closely interwoven. We can then evaluate financial hurdles and opportunities intelligently, recommending solutions that make sense on a personal and professional level. We respond to our business customers by designing an approach that asks the right questions and provides the solutions necessary to meet the unique needs dictated by today s changing business climate. Allow our experienced, knowledgeable and highly qualified team to provide you with the most responsive financial products and services available to you and your business. Check out our options, use our helpful financial tools, and schedule a visit with us today. We re eager to help you get started.

    Contact Us

    Thank you for your interest in First Capital Bank of Kentucky. We strive to make ourselves available to you, via email, telephone, postal mail and in person at any of our branch locations. or use the secure form found on our Contact Us page.

    First Capital Bank of Kentucky
    293 N. Hubbards Lane
    Louisville, KY 40207





    First Citizens Bank – Banking, Credit Cards, Mortgages, Investing #small #business #finance

    #business online

    #

    JavaScript is required for this site to function properly. Find instructions for how to enable JavaScript here .

    Products designed to help small businesses grow and succeed

    Accounts designed to meet business needs

    Whether you need just the basics or an account with extra features, First Citizens business banking options make it easy to find the right fit for your specific needs.

    Financial options for your business investments

    First Citizens gives you a variety of financing options for equipment. Offering customizable terms, we can also help you easily meet your tax, accounting and business cycle cash flow needs.

    Solutions to streamline your transactions

    With services that make it easier to accept credit and debit card payments and enable you to deposit checks from your office, First Citizens can help improve your transaction efficiency, reduce your costs and boost your bottom line.

    Grow your business, and your community, with an SBA loan

    As a preferred lender of the U.S. Small Business Administration (SBA), First Citizens offers loans designed to help businesses grow. SBA loans can offer advantages over traditional loans, including lower down payments, longer repayment terms, and greater flexibility to use for a variety of businesses and purposes.

    Approved to offer SBA loan products under SBA s Preferred Lender programs.

    A simple, cost-effective payroll solution

    First Citizens Online Payroll can help simplify and streamline your payroll processes, with features that automatically calculate withholdings, taxes and net pay while also initiating direct deposits to your employees.

    Customized options to protect what you ve built

    As an independent insurance agency with more than 80 years of experience helping businesses, First Citizens Insurance Services can customize a risk management program to fit your business, and compare insurance options from a variety of carriers on your behalf.

    Financial solutions to support your growing business

    Commercial Analysis Accounts

    Consolidates your business deposit accounts into a single relationship in order to manage cash flow more effectively.

    From payroll to wire transfers, payables solutions are designed to help you gain greater control of all of your payment transactions for maximum efficiency.

    With solutions that include ACH, eReceivables and Remote Image Deposit, First Citizens can help you streamline the collections process and manage incoming cash.

    Quickly and automatically reconcile all checks paid against your First Citizens checking account to help save you time and money in keeping your records current.

    Industry Specific Expertise

    Our experienced business professionals can provide insight and guidance unique to these specific business sectors.

    Business Insights

    Strategies for improving cash flow

    Learn how to better predict your income and expenses

    Financing your business

    Financial options to support your business success

    Learn how our personal banking products and services can help you minimize costs and maximize your time.

    Learn more

    Project your business cash flow

    Quick Links

    Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

    * Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.

    2016 First Citizens Bank

    Raleigh – North Hills

    Please Upgrade your browser

    Your Browser Is Not Supported Please Upgrade

    In order to view and use certain First Citizens Bank products, services and webpages, we recommend that you use a current version of one of the following browsers. You can upgrade your existing browser by clicking one of the links below. You will need to restart your computer in order to complete the upgrade.

    We strongly recommend that you upgrade now.

    If you do not upgrade your browser, you may experience functional or display issues on the pages you are attempting to access.

    1. Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.





    First Citizens Bank – Banking, Credit Cards, Mortgages, Investing #financial #markets #today

    #business online

    #

    JavaScript is required for this site to function properly. Find instructions for how to enable JavaScript here .

    Products designed to help small businesses grow and succeed

    Accounts designed to meet business needs

    Whether you need just the basics or an account with extra features, First Citizens business banking options make it easy to find the right fit for your specific needs.

    Financial options for your business investments

    First Citizens gives you a variety of financing options for equipment. Offering customizable terms, we can also help you easily meet your tax, accounting and business cycle cash flow needs.

    Solutions to streamline your transactions

    With services that make it easier to accept credit and debit card payments and enable you to deposit checks from your office, First Citizens can help improve your transaction efficiency, reduce your costs and boost your bottom line.

    Grow your business, and your community, with an SBA loan

    As a preferred lender of the U.S. Small Business Administration (SBA), First Citizens offers loans designed to help businesses grow. SBA loans can offer advantages over traditional loans, including lower down payments, longer repayment terms, and greater flexibility to use for a variety of businesses and purposes.

    Approved to offer SBA loan products under SBA s Preferred Lender programs.

    A simple, cost-effective payroll solution

    First Citizens Online Payroll can help simplify and streamline your payroll processes, with features that automatically calculate withholdings, taxes and net pay while also initiating direct deposits to your employees.

    Customized options to protect what you ve built

    As an independent insurance agency with more than 80 years of experience helping businesses, First Citizens Insurance Services can customize a risk management program to fit your business, and compare insurance options from a variety of carriers on your behalf.

    Financial solutions to support your growing business

    Commercial Analysis Accounts

    Consolidates your business deposit accounts into a single relationship in order to manage cash flow more effectively.

    From payroll to wire transfers, payables solutions are designed to help you gain greater control of all of your payment transactions for maximum efficiency.

    With solutions that include ACH, eReceivables and Remote Image Deposit, First Citizens can help you streamline the collections process and manage incoming cash.

    Quickly and automatically reconcile all checks paid against your First Citizens checking account to help save you time and money in keeping your records current.

    Industry Specific Expertise

    Our experienced business professionals can provide insight and guidance unique to these specific business sectors.

    Business Insights

    Strategies for improving cash flow

    Learn how to better predict your income and expenses

    Financing your business

    Financial options to support your business success

    Learn how our personal banking products and services can help you minimize costs and maximize your time.

    Learn more

    Project your business cash flow

    Quick Links

    Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

    * Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.

    2016 First Citizens Bank

    Raleigh – North Hills

    Please Upgrade your browser

    Your Browser Is Not Supported Please Upgrade

    In order to view and use certain First Citizens Bank products, services and webpages, we recommend that you use a current version of one of the following browsers. You can upgrade your existing browser by clicking one of the links below. You will need to restart your computer in order to complete the upgrade.

    We strongly recommend that you upgrade now.

    If you do not upgrade your browser, you may experience functional or display issues on the pages you are attempting to access.

    1. Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.





    The Eye Care Institute CEO Again Recognized by Business First of Louisville

    #business first louisville

    #

    You are here: Home / The Eye Care Institute / The Eye Care Institute CEO Again Recognized by Business First of Louisville

    The Eye Care Institute CEO Again Recognized by Business First of Louisville

    Mark Prussian, Chief Executive Officer of The Eye Care Institute, was again honored as a Partner in Health Care by Business First of Louisville.

    The award recognizes businesspeople who offer support to the Greater Louisville health care industry. A print profile of Prussian is featured in the March 12, 2010 supplement to Business First. This is the fourth year in a row for Prussian receiving this recognition. Prussian also received the Business First Forty under 40 award in 1999.

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    Watch Tyler’s LASIK experience with Eye Care Institute. “I wanted a long term solution to my Read More.

    Dr. Cathy Newton is a graduate of the University of Louisville School of Medicine. She completed her Read More.

    The Eye Care Institute’s CEO, Mark Prussian was a featured guest on The Rusty Satellite Show with Read More.

    The Eye Care Institute

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    Consult the Expert – Business First Louisville – CUB: A Kentucky Community

    #business first louisville

    #

    Consult the Expert Business First Louisville

    Topic:
    The Era of Smart Technology

    Nearly all of us today have a Smart Phone, but what is a Smart Safe?
    A Smart Safe is key to managing the challenges of cash in a retail environment. A Smart Safe automatically accepts, validates and stores notes while recording each transaction.

    Smart Safe features include:
    • Note Validation – tracks and records each note while checking for counterfeits
    • Cash Tracking – deposits tracked by each user of the safe by Login ID
    • Reporting – various reports can be generated to streamline reconcilement
    • Connectivity – stores can provide online access to an armored car carrier and the bank

    Benefits of this technology:
    • Eliminates the employee risk of taking cash to a bank branch.
    • Can lower expenses associated with armored car services as frequency of pickups may be reduced.
    • If your bank has online access to the cash deposits they may be willing to provide you advanced availability even though the cash may still be sitting in the safe. If your business consists of managing large amounts of cash, get safe smart.

    Online Banking

    Convenient Capture Login

    Update Your Contact Info
    and Earn $1

    Personalize Your Debit Card

    Sign Up for eStatements

    Use Our Switch Kit to Join Today





    Business – First Capital Bank of Kentucky – Louisville, KY #financial #news

    #business first louisville

    #

    Allow the business expertise of First Capital Bank to be your most important financial resource. We work with our clients to develop a keen understanding of their businesses and personal lives, as they are often closely interwoven. We can then evaluate financial hurdles and opportunities intelligently, recommending solutions that make sense on a personal and professional level. We respond to our business customers by designing an approach that asks the right questions and provides the solutions necessary to meet the unique needs dictated by today s changing business climate. Allow our experienced, knowledgeable and highly qualified team to provide you with the most responsive financial products and services available to you and your business. Check out our options, use our helpful financial tools, and schedule a visit with us today. We re eager to help you get started.

    Contact Us

    Thank you for your interest in First Capital Bank of Kentucky. We strive to make ourselves available to you, via email, telephone, postal mail and in person at any of our branch locations. or use the secure form found on our Contact Us page.

    First Capital Bank of Kentucky
    293 N. Hubbards Lane
    Louisville, KY 40207





    Business First Healthiest Employer Award #business #contracts

    #business first louisville

    #

    Business First Healthiest Employer Award

    The University of Louisville was chosen as the 2010 Healthiest Employer in the 5,000-employee-plus category of Business First’s inaugural Greater Louisville’s Healthiest Employers awards program. The winners in each of the five categories were announced at a luncheon on Thursday, Nov. 18, 2010 in the Cascade Ballroom at the Louisville International Convention Center. A special publication profiling the finalists was included in the Nov. 19 issue of Business First.

    Additional Media recognition:

    Health Fitness Corporation’s monthly newsletter, HealthWire: December 2010 edition

    Excerpt From UofL Today

    Business First awards UofL as healthiest employer

    by UofL Today — l Nov 18, 2010

    The University of Louisville is the healthiest employer in Louisville of companies with 5,000 or more employees.

    Get Healthy Now director Patricia Benson accepted the Business First award at a Nov. 18 luncheon at the Kentucky International Convention Center.

    The luncheon, said Business First publisher Tom Monahan, not only paid tribute to the 15 award finalists (three in each of five categories by business size), but it also was a way to help employers learn from each other how to create healthy workplaces.

    As he presented the awards, he asked each employer’s representative a question related to an aspect of his or her company’s program.

    Noting that UofL’s five-year-old Get Healthy Now program has a 70 percent participation rate among faculty and staff and that the number of insurance claims among participants is significantly lower than that among non-participants, Monahan asked Benson to explain the program’s success.

    Get Healthy Now is successful, she said, because of the support it has received since its beginning from President James Ramsey and Provost Shirley Willihnganz. She also explained that Get Healthy Now’s staff continually solicits feedback from its members on program components and works to tailor the program to their needs and wants.

    “It’s the employees’ program,” she said.

    Business First started the Healthiest Employer award this year and asked companies to complete a 75-question survey designed to measure six core areas of wellness:

    • cultural and leadership commitment;
    • foundation components;
    • strategic planning;
    • communications and marketing;
    • programming and intervention;
    • and reporting and analysis.

    Healthiest Employer LLC, in Indianapolis, developed the survey and scored the Louisville ones to determine the winners.

    Each of the finalists is featured in the publication “Healthiest Employers of Greater Louisville” that will be part of the Nov. 19 Business First paper.

    Besides UofL, the other two finalists in the 5,000-plus employees category were GE Appliances and Lighting and Norton Healthcare Inc.





    Over-the-Rhine Chamber: Cincinnati, Ohio: Business First Grant #incorporating #a #business

    #business first

    #

    Business First Grant (BFG)

    Business Recruitment Initiative for Over-the-Rhine

    The mission of the Business First Grant Program (BFG) is to benefit the city by strengthening the local economy, increasing business and employment opportunities, and animating the sidewalks of OTR.


    To be eligible for a grant, the incoming business must:

    • Be new to Over-the-Rhine. New businesses and businesses previously established in other locations are permitted to apply. It is preferred that established businesses are currently located outside of the City of Cincinnati boundaries.
    • Occupy a storefront or occupy other location in OTR that is consistent with the neighborhood tenanting strategy.
    • Sign a three-year lease with the landlord (see note below regarding letters of intent).

    * The tenant and business owner/landlord negotiate the required build out, renovation and
    preparation required of the building and disclose the cost of build out and the monthly rental
    amount.
    * The incoming tenant/ business will submit a copy of its current business plan to the building
    owner/landlord before lease negotiations will be completed.
    * Building owners and/or landlords must agree to participate fully in the program and tri-party
    meetings will be held between the applicant, Chamber and Landlord.

    • Agree to be open at least 50 hours per week .
    • Submit a complete application prior to opening .

    * This includes a thorough and well-organized business plan with a start-up budget and projected
    cash flow statements for the first three years of operation.

    • Once awarded funds, agree to actively participate in the Business First mentoring program, which includes attending regular meetings with a mentor to discuss business details and providing annual financial statements for the period of the lease.

    * The new business meets with the Mentor to discuss concerns and review financial information
    regularly for three years. As needed, a new business owner may be teamed up with an
    experienced business owner to work together to address a specific need.
    2016 Program Goals

    • Promote diversity among business owners in OTR.
    • Increase customer traffic, safety, and return on investment.
    • Support capital improvement in unused and underutilized storefronts for business occupation in OTR.
    • Mentor and encourage businesses that strengthen the neighborhood as a viable and diverse place to live, work and play.
    • Provide an environment for individuals, entrepreneurs, investors and businesses to thrive.

    Desirable businesses include retail, neighborhood services, large employers who hire from within OTR, Women/Minority Business Enterprises, and those that locate in an area that is compatible with the tenanting strategy for the neighborhood. Ineligible businesses include convenience stores, check-cashing services, temporary labor services, churches, social services, not for profits, home-based businesses, and businesses that are not compatible with adjacent residential uses.

    Businesses that are selected through the Business First Grant Program s competitive process will be awarded a matching grant up to $20,000 for furniture, fixtures and equipment (FFE) and tenant improvements (TI). The funds will be distributed through a reimbursement process through the OTR Chamber.

    Additionally, the BFG Program works to create a support network for the new business. Ongoing mentoring will be provided for the three year duration of the program. The Review Committee will match the new business owner with a committee member mentor based on the needs of the business. The Review Committee may also refer the new business to local business resources to strengthen areas of the business that present a challenge to the business success. A member of the Review Committee will meet with the business owner regularly to address any concerns the business owner may have and assist the business owner in updating her/his Business Plan.

    Applications will be reviewed twice annually through a competitive process. Applications will be due December 6, 2016.

    Applicants must submit a completed application to the OTR Chamber prior to opening up for business. At the time of application submission, expected project completion date should be within 9 months to a year. The Application form can be downloaded at the bottom of this page. The submission should include a:

    • Professional Business Plan that clearly articulates the business model, industry analysis, demographics of target population, hours of operation and corresponding staffing schedules, experience of personnel, marketing strategy, and includes detailed cash flow projections. (Note, click the link above “Professional Business Plan” to read tips from Forbes)
    • Three Year Lease including the landlord s contact information so the OTR Chamber can contact her/him to discuss the terms of the lease. Please note, a signed letter of intent by landlord and applicant can be submitted initially if a signed lease is not in place at the time of submission. Awarding of any grant money would be contingent upon a signed three year lease.
    • Detailed Build-Out Costs of space clearly defining what will be provided by the landlord and what is the responsibility of the tenant. Detailed budget for FFE is also required.

    The applications will be reviewed semi-annually in a competitive process by the Business Attraction and Retention Review Committee.

    This program is administered by OTR Chamber of Commerce with the support of a Review Committee to oversee leases, programs and funding.

    The Business First Grant program is made possible by the following corporate and foundation partners: BB T, The Carol Ann and Ralph V. Haile, Jr. / U.S. Bank Foundation, Over-the-Rhine Chamber of Commerce, PNC Bank, and P G.