What SBA Offers to Help Small Businesses Grow #premium #business #cards

#small business help

#

What does SBA offer to small business owners? The programs are many and varied, and the qualifications for each are specific. SBA can help facilitate a loan for you with a third party lender, guarantee a bond, or help you find venture capital. Understanding how SBA works is the first step towards receiving assistance.

SBA’s Role

SBA provides a number of financial assistance programs for small businesses that have been specifically designed to meet key financing needs, including debt financing, surety bonds, and equity financing.

Guaranteed Loan Programs (Debt Financing)

SBA does not make direct loans to small businesses. Rather, SBA sets the guidelines for loans, which are then made by its partners (lenders, community development organizations, and microlending institutions). The SBA guarantees that these loans will be repaid, thus eliminating some of the risk to the lending partners. So when a business applies for an SBA loan, it is actually applying for a commercial loan, structured according to SBA requirements with an SBA guaranty. SBA-guaranteed loans may not be made to a small business if the borrower has access to other financing on reasonable terms.

SBA loan guaranty requirements and practices can change as the Government alters its fiscal policy and priorities to meet current economic conditions. Therefore, you can’t rely on past policy when seeking assistance in today’s market.

Bonding Program (Surety Bonds)

SBA’s Surety Bond Guarantee (SBG) Program helps small business contractors who cannot obtain surety bonds through regular commercial channels.

A surety bond is a three-party instrument between a surety (someone who agrees to be responsible for the debt or obligation of another), a contractor and a project owner. The agreement binds the contractor to comply with the terms and conditions of a contract. If the contractor is unable to successfully perform the contract, the surety assumes the contractor’s responsibilities and ensures that the project is completed.

Through the SBG Program, the SBA makes an agreement with a surety guaranteeing that SBA will assume a percentage of loss in the event the contractor should breach the terms of the contract. The SBA’s guarantee gives sureties an incentive to provide bonding for eligible contractors, thereby strengthening a contractor’s ability to obtain bonding and greater access to contracting opportunities for small businesses.

SBA can guarantee bonds for contracts up to $5 million, covering bid, performance and payment bonds, and in some cases up to $10 million for certain contracts.

Venture Capital Program

SBA’s Small Business Investment Company (SBIC) Program is a public-private investment partnership created to help fill the gap between the availability of growth capital and the needs of small businesses. The SBA does not invest directly in small businesses, relying instead on the expertise of qualified private investment funds. The SBA licenses these funds as SBICs and supplements the capital they raise from private investors with access to low-cost, government-guaranteed debt.

With these two sources of capital backing them, SBICs search across the United States for promising businesses in need of debt or equity financing. SBICs are similar to other investment funds in terms of how they operate and their pursuit of high returns. However, unlike other funds, SBICs limit their investments to qualified small business concerns as defined by SBA regulations.





What SBA Offers to Help Small Businesses Grow #investment #news

#small business help

#

What does SBA offer to small business owners? The programs are many and varied, and the qualifications for each are specific. SBA can help facilitate a loan for you with a third party lender, guarantee a bond, or help you find venture capital. Understanding how SBA works is the first step towards receiving assistance.

SBA’s Role

SBA provides a number of financial assistance programs for small businesses that have been specifically designed to meet key financing needs, including debt financing, surety bonds, and equity financing.

Guaranteed Loan Programs (Debt Financing)

SBA does not make direct loans to small businesses. Rather, SBA sets the guidelines for loans, which are then made by its partners (lenders, community development organizations, and microlending institutions). The SBA guarantees that these loans will be repaid, thus eliminating some of the risk to the lending partners. So when a business applies for an SBA loan, it is actually applying for a commercial loan, structured according to SBA requirements with an SBA guaranty. SBA-guaranteed loans may not be made to a small business if the borrower has access to other financing on reasonable terms.

SBA loan guaranty requirements and practices can change as the Government alters its fiscal policy and priorities to meet current economic conditions. Therefore, you can’t rely on past policy when seeking assistance in today’s market.

Bonding Program (Surety Bonds)

SBA’s Surety Bond Guarantee (SBG) Program helps small business contractors who cannot obtain surety bonds through regular commercial channels.

A surety bond is a three-party instrument between a surety (someone who agrees to be responsible for the debt or obligation of another), a contractor and a project owner. The agreement binds the contractor to comply with the terms and conditions of a contract. If the contractor is unable to successfully perform the contract, the surety assumes the contractor’s responsibilities and ensures that the project is completed.

Through the SBG Program, the SBA makes an agreement with a surety guaranteeing that SBA will assume a percentage of loss in the event the contractor should breach the terms of the contract. The SBA’s guarantee gives sureties an incentive to provide bonding for eligible contractors, thereby strengthening a contractor’s ability to obtain bonding and greater access to contracting opportunities for small businesses.

SBA can guarantee bonds for contracts up to $5 million, covering bid, performance and payment bonds, and in some cases up to $10 million for certain contracts.

Venture Capital Program

SBA’s Small Business Investment Company (SBIC) Program is a public-private investment partnership created to help fill the gap between the availability of growth capital and the needs of small businesses. The SBA does not invest directly in small businesses, relying instead on the expertise of qualified private investment funds. The SBA licenses these funds as SBICs and supplements the capital they raise from private investors with access to low-cost, government-guaranteed debt.

With these two sources of capital backing them, SBICs search across the United States for promising businesses in need of debt or equity financing. SBICs are similar to other investment funds in terms of how they operate and their pursuit of high returns. However, unlike other funds, SBICs limit their investments to qualified small business concerns as defined by SBA regulations.





Find the Best Small Business Credit Cards – Compare 133 Card Offers

#business credit cards

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Which Company Offers the Cheapest Home Insurance in New Jersey? #who #offers


#

Which Company Offers the Cheapest Home Insurance in New Jersey?

There is no one answer here, as companies offer policies with different levels of coverage. The key to finding the best deals is learning how to comparison-shop effectively. When you learn the secrets of comparison-shopping, you’ll be primed to make the most of your next policy, in terms of finding adequate coverage for a great price.

To help you find the cheapest home insurance in New Jersey. you’ll need to visit different companies, after determining the reputability of these firms.

Then, you’ll need to investigate their policy options and compare prices for premiums. This three-step process will save you time and energy. While you’ll need to do a little homework and research, you’ll find that doing this homework and research gives you the power to pay less for a good policy.

First off, you need to know that you’ll be buying from a carrier with an excellent reputation. There are plenty of firms which offer the cheapest coverage. Finding two or three good ones will be a superb way to get started.

So, look up companies online, make sure that they offer policies to New Jersey residents and then find out what other policyholders have to say about these firms. The companies which get great reviews should be on your short list.

Check Out Policy Options

Policy options are available at official websites. Most firms will offer a variety of policies, because they know that their customers come from all walks of life and have different needs.

If you know for sure that you can’t spend a lot of money, be sure to check out basic policies at a few different companies. These types of policies won’t have all of the bells and whistles. However, they should provide a decent level of protection. If you have a bit more to spend, look at the next-highest level of coverage, which is a medium level of coverage.

If you want the best protection, look at the most comprehensive New Jersey home insurance policies. If you’re not sure how much you can spend, using quote generators will help a lot. These handy calculators are available at most larger company websites. Just plug in required information in order to get an estimate for a preferred policy. It’s best to collect as many quotes as you can, from different companies.

Then, compare these quotes side by side in order to find the cheapest policies. As long as you collect quotes for policies which are a lot alike, you’ll be able to find a good deal and you won’t need to sacrifice the coverage features that you want.

Apply for a Policy Online

These days, there is really no need to use fax machines or snail mail in order to apply for coverage. You should be able to take care of this vital task online, with a mind to streamlining the application process. Most companies allow their customers to apply online and this process usually takes just a few minutes. It’s a great way to save time when looking for the cheapest home insurance in New Jersey and enjoy convenience.

If your application is approved, you’ll receive an email with further instructions. In some cases, you’ll need to speak to a representative or do an electronic chat with one. It’s possible that you’ll need to send in some paperwork at some point. However, the process varies from provider to provider…

Once you’ve applied, relax and wait for an answer. Companies want your business, so they shouldn’t keep you waiting for too long!

After your policy is approved, you’ll need to pay for it and payment plans will vary. For example, you may be able to pay for a year in advance, or pay monthly. It’s smart to check out payment options before you buy. Make sure that these payment options will suit your needs.

Look for Home Insurance Today

You deserve great coverage which is affordable. It is out there, although you’ll probably need to devote an hour or two to finding it. Our tips are designed to make the whole process easier. By following our helpful instructions, you’ll be able to find affordable coverage without leaving your own home. You won’t need to make appointments with agents or deal with endless phone calls or faxing.

These days, companies make it so easy for customers. So, why not take advantage of online application services, quote generators and other relevant services? They are the key to unlocking value for a new policy.

Sometimes, it’s wise to buy a higher level of coverage if you can make it work with your budget. Things will go wrong with our homes (these issues are not always predictable) and it’s nice to know that coverage will be there if there is a problem. So, keep this in mind as you shop around for coverage.

Related Posts


Credit Cards: Compare Low Balance Transfer Options #compare #low #balance #transfer #credit


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Scared to open your credit card statements? Forgot which card’s maxed out and which one’s paid off? It’s time to apply for a balance transfer credit card. Balance transfer credit cards let you consolidate your debt while helping you save on interest charges. And at LowestRates.ca, finding the best balance transfer credit card has never been easier.

How do balance transfer credit cards work?

With a balance transfer credit card, you can transfer debts from your existing credit cards to a single low-interest card. After all, some balance transfer credit cards have introductory interest rates as low as 0%.

And getting started is easy: use funds from your balance transfer card’s credit line to pay off the high interest rate balances on your other credit cards.

Credit card balance transfers can be a great way to reduce debt quickly. You can dedicate a larger portion of your monthly payments to principal rather than interest charges.

Who should apply for a balance transfer credit card?

Canadians who find themselves mired in high interest rate credit card debt. With a balance transfer card, you can pay off your existing credit card debt with funds from your new card. Just transfer your balances and focus on paying off your card during the introductory period.

Of course, balance transfer credit cards only work if you’re committed to paying down your debt. That’s why these cards are best for those who know how to use a credit card responsibly, make their payments on time, and are ready to get their finances back in order.

Can anyone get a balance transfer credit card?

Balance transfer credit cards tend to only be available to those with reasonably good credit scores — usually 680 or higher.

Applicants often have significant debt (which they’ll likely transfer to their balance transfer credit card), but they need to have a decent credit history and the means to pay off their card in a timely fashion.

To qualify for most balance transfer credit cards, you usually need a minimum household income ranging anywhere from $30,000 to $70,000 per year.

How exactly do I transfer my balances?

Step 1: Fill out the balance transfer portion of your application. You can designate what credit cards you want to pay and the amount of the balances you wish to transfer.

Step 2: Once you have your balance transfer credit card, you can write a cheque from the card or call the credit card company to make a transfer. You just need the account numbers from your old credit cards and the balance amounts you want to transfer.

Step 3: Any time you complete a transfer, check with your previous credit card provider to make sure your balance has been paid in full and to verify that you won’t continue to incur interest charges.

How do I decide which balance transfer credit card to get?

  1. Look for a great interest rate on your balance transfers. Most cards have rates as low as 1% or 2%. Lately, some credit cards have even been offering 0% interest on transfers.
  2. Find a credit card that offers those low rates for a reasonably long introductory period. Most balance transfer credit cards offer low introductory interest rates for at least 6 months. The longer the low rate introductory period, the more time you have to pay down your balance before your card resets to a higher rate.
  3. Look at the annual fee. In general, balance transfer credit cards are designed to attract new customers, so they charge very low annual fees.
  4. Compare rewards features. Some balance transfer credit cards offer solid rewards programs on top of great rates on balance transfers.

Below is a table comparing the key features of some of our favourite low balance transfer cards this year.

MBNA Platinum Plus® MasterCard®

  • None, but check out the great balance transfer rate.

Balance transfer rate 0% Interest rate 19.99% Annual fee $0

Scotiabank Value® VISA

  • Interest-free grace period of at least 21 days on purchases.

Balance transfer rate 0.99% Standard interest rate 11.99% Annual fee $29

No-Fee Scotiabank Value® VISA

  • Interest-free grace period of at least 21 days on purchases.

Balance transfer rate 3.99% Standard interest rate 16.99% Annual fee $0

What’s the best way to take advantage of my balance transfer credit card?

Simple — use your low balance transfer credit card to pay off your debts before the introductory period expires. Here’s a simple way to create a payment plan: take the amount of debt you’re transferring and divide that figure by the number of months the introductory period lasts.

For example, if you’re transferring $6,000 of debt and your introductory period lasts 8 months at 0% interest, divide $6,000 by 8. In this scenario, you need to make monthly payments of $750 (plus any extra fees) to pay off the balance transfer card before your interest rate resets.

What drawbacks do balance transfer credit cards have?

If you miss even one payment on a balance transfer credit card, your interest rate will reset to a much higher rate, effectively negating the main appeal of the card. In fact, you could end up with more debt than you started with.

Most balance transfer cards also levy extra fees and surcharges on transfers. For example, if you want to transfer $2,000 to a card with a 2% surcharge, you would have to pay an additional $40 on the transaction.

Make sure these charges aren’t excessive. In general, cards with fees above 2% or 3% of the total transfer amount are uncompetitive and should be avoided.

Can I use a balance transfer credit card to earn interest?

Yes. Some balance transfer cards let you deposit funds from the card’s credit line into an investment vehicle of your choice. So instead of paying off other credit cards, you can transfer funds into a savings account or another vehicle. The gap, or ‘spread,’ between the introductory interest rate on the balance transfer and the return you earn on your savings account or investment is yours to keep.

But while this may sound good, the gap between the introductory rate and what you could earn in a savings account isn’t usually enough to justify the hassle, and deploying a transfer into riskier investments, like stocks, can easily backfire if those securities fall in price. Plus, if you miss a payment, your interest rate will reset, turning those easy profits into painful and unnecessary losses.

Compare low balance transfer credit cards today

So why get a low balance transfer credit card? It can help you save money on interest charges and gives you the time you need to get your finances in order. Remember to shop around for the right card and make sure you pay off your transfers as quickly as you can.

Compare all the best balance transfer credit cards today at LowestRates.ca.


Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, credit


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Compare partner credit card offers from our most

Cash Back

Balance Transfer

Business Card

Cards for Bad Credit

Credit card offers no interest

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”


What SBA Offers to Help Small Businesses Grow #small #business #loans #for

#small business help

#

What does SBA offer to small business owners? The programs are many and varied, and the qualifications for each are specific. SBA can help facilitate a loan for you with a third party lender, guarantee a bond, or help you find venture capital. Understanding how SBA works is the first step towards receiving assistance.

SBA’s Role

SBA provides a number of financial assistance programs for small businesses that have been specifically designed to meet key financing needs, including debt financing, surety bonds, and equity financing.

Guaranteed Loan Programs (Debt Financing)

SBA does not make direct loans to small businesses. Rather, SBA sets the guidelines for loans, which are then made by its partners (lenders, community development organizations, and microlending institutions). The SBA guarantees that these loans will be repaid, thus eliminating some of the risk to the lending partners. So when a business applies for an SBA loan, it is actually applying for a commercial loan, structured according to SBA requirements with an SBA guaranty. SBA-guaranteed loans may not be made to a small business if the borrower has access to other financing on reasonable terms.

SBA loan guaranty requirements and practices can change as the Government alters its fiscal policy and priorities to meet current economic conditions. Therefore, you can’t rely on past policy when seeking assistance in today’s market.

Bonding Program (Surety Bonds)

SBA’s Surety Bond Guarantee (SBG) Program helps small business contractors who cannot obtain surety bonds through regular commercial channels.

A surety bond is a three-party instrument between a surety (someone who agrees to be responsible for the debt or obligation of another), a contractor and a project owner. The agreement binds the contractor to comply with the terms and conditions of a contract. If the contractor is unable to successfully perform the contract, the surety assumes the contractor’s responsibilities and ensures that the project is completed.

Through the SBG Program, the SBA makes an agreement with a surety guaranteeing that SBA will assume a percentage of loss in the event the contractor should breach the terms of the contract. The SBA’s guarantee gives sureties an incentive to provide bonding for eligible contractors, thereby strengthening a contractor’s ability to obtain bonding and greater access to contracting opportunities for small businesses.

SBA can guarantee bonds for contracts up to $5 million, covering bid, performance and payment bonds, and in some cases up to $10 million for certain contracts.

Venture Capital Program

SBA’s Small Business Investment Company (SBIC) Program is a public-private investment partnership created to help fill the gap between the availability of growth capital and the needs of small businesses. The SBA does not invest directly in small businesses, relying instead on the expertise of qualified private investment funds. The SBA licenses these funds as SBICs and supplements the capital they raise from private investors with access to low-cost, government-guaranteed debt.

With these two sources of capital backing them, SBICs search across the United States for promising businesses in need of debt or equity financing. SBICs are similar to other investment funds in terms of how they operate and their pursuit of high returns. However, unlike other funds, SBICs limit their investments to qualified small business concerns as defined by SBA regulations.





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

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


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Bridgestone Pricing Specials – Tyre Sale Offers #bridgestone #special, #bridgestone #sale, #bridgestone


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Current Offer

Wear Life Guarantee +

When you purchase four or more Bridgestone Turanza Serenity Plus tyres and a wheel alignment in one transaction from a Bridgestone store, then your tyres automatically qualify for our 50,000km Wear Life Guarantee.

Should your Bridgestone Turanza Serenity Plus tyres wear out before travelling 50,000kms, we ll provide you with a pro-rata credit towards the cost of new comparable replacement tyres.

*The 4th tyre for $10 offer is valid on purchases of four Supercat tyres or Bridgestone Turanza Serenity Plus tyres. ^Offer valid on purchase of four Alenza, Dueler or Ecopia EP850 tyres. Offers apply on purchases made in one transaction between 01/07/2017 and 31/08/2017 and are redeemable in store. Offer excludes government, fleet and wholesale purchases and all other tyres manufactured or distributed by Bridgestone. Not available with any other offer and while stocks last. Full terms and conditions here. +Available on Bridgestone Turanza Serenity Plus tyres, only at Bridgestone stores.

Bridgestone is Australia s most trusted tyre brand offering a great range of tyres without compromising on quality. Contact your nearest Bridgestone store for tyre pricing to suit your vehicle.

  1. By taking part in this Save More on Four, Buy 3 and get the 4th for $10 Offer participants agree to be bound by these terms and conditions.
  2. The promotion commences on Saturday 1 July 2017 and closes on Thursday 31 August 2017 ( Promotion Period ) and entry is open to Australian residents only.
  3. To be eligible to receive the 4th Bridgestone Turanza Serenity Plus tyre or Supercat tyre for $10, you must purchase a multiple of 4 Turanza Serenity Plus or Supercat tyres in one transaction and invoice per vehicle.
  4. Turanza Serenity Plus and Supercat tyres are suitable for certain passenger, SUV and light truck vehicles only. Seek advice from your local store or using the tyre search function here .
  5. The offer applies only to the purchase of tyres described in Clause 4 above, in one retail transaction during the Promotion Period and strictly while stocks last. Not all sizes available at all locations.
  6. This Save More on Four, Buy 3 and get the 4th for $10 Offer is not available on any other tyres manufactured or distributed by Bridgestone.
  7. Available at participating Bridgestone Select, Bridgestone Service Centre and Bridgestone Tyre Centre stores.
  8. Subsidiary companies, retailers and agencies of Bridgestone Australia Ltd. are ineligible for the Save More on Four, Buy 3 and get the 4th for $10 .
  9. Government, wholesale and fleet customers of Bridgestone Australia Ltd. are ineligible for the Save More on Four, Buy 3 and get the 4th for $10 .
  10. Eligible customers will receive the discount off invoice in store at the time of purchase.
  11. This promotion cannot be combined with any other offer including, but not limited to motoring club discounts, VIP card programs and all other promotions.
  12. The promoter s decision on all matters relating to this Save More on Four, Buy 3 and get the 4th for $10 Offer is final, and no correspondence will be entered into.
  13. Bridgestone privacy policy is available here .
  14. The promoter is Bridgestone Australia Ltd. 196 Greenhill Road, Eastwood, SA 5063 ABN 65 007 516 841

$100 cash back on Bridgestone SUV and 4×4 tyres

  1. By taking part in this $100 Cash Back Offer participants agree to be bound by these terms and conditions.
  2. The promotion commences on Saturday 1 July 2017 and closes on Thursday 31 August 2017 ( Promotion Period ) and entry is open to Australian residents only.
  3. To be eligible to receive $100 off your purchase, you must visit a participating store and purchase a minimum of 4 x Bridgestone Alenza, Dueler or Ecopia EP850 tyres in one transaction per vehicle.
  4. Bridgestone Alenza, Dueler and Ecopia EP850 tyres are suitable for certain vehicles only. Seek advice from your local store or using the tyre search function here .
  5. The offer applies only to the purchase of tyres described in Clause 3 above, in one retail transaction and on one invoice during the Promotion Period and strictly while stocks last. Not all sizes available at all locations.
  6. This $100 Cash Back Offer is not available on any other tyres manufactured or distributed by Bridgestone.
  7. Available at participating Bridgestone Select, Bridgestone Service Centre and Bridgestone Tyre Centre stores only.
  8. Subsidiary companies, retailers and agencies of Bridgestone Australia Ltd. are ineligible for the $100 Cash Back Offer .
  9. Government, wholesale and fleet customers of Bridgestone Australia Ltd. are ineligible for the $100 Cash Back Offer .
  10. Eligible customers will receive the discount off invoice in store at the time of purchase.
  11. This promotion cannot be combined with any other offer including, but not limited to motoring club discounts, VIP card programs and all other promotions.
  12. The promoter s decision on all matters relating to this $100 Cash Back Offer is final, and no correspondence will be entered into.
  13. Bridgestone privacy policy is available here .
  14. The promoter is Bridgestone Australia Ltd. 196 Greenhill Road, Eastwood, SA 5063 ABN 65 007 516 841

Psychology Department Home – University at Albany-SUNY #university #that #offers #psychology


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Psychology Department Home

Psychology at UAlbany is the theoretical and applied study of the biological, cognitive, social, and clinical bases of human behavior.

Our faculty and students conduct high impact research that contributes to the understanding of basic psychological principles and their application to organizational, community, and health care settings. At the undergraduate level, the Department of Psychology offers a B.A. degree and a B.A. Honors degree. For graduate students, we offer the Ph.D. in Behavioral Neuroscience, Cognitive, Social, Clinical, and Industrial-Organizational (I/O) Psychology, as well as the M.A. in I/O Psychology.

Department News

Psychology Spring Colloquium: Individual Differences in Mind Wandering

Please mark your calendars for the Psychology Colloquia!

The Department of Psychology is pleased to host Dr. Michael J. Kane, PhD, Department of Psychology, University of North Carolina, Greensboro: “Individual Differences in Mind Wandering”.

Friday, May 5th, 2017 at 2:45pm

Location: Social Science 256


  • Psychology Spring Colloquium: Neurobiology of Infant Attachment, Trauma and Fear

    Please mark your calendars for the Psychology Colloquia!

    The Department of Psychology is proud to host Dr. Regina Sullivan, PhD, Child Adolescent Psychiatry, New York University School of Medicine: “Neurobiology of Infant Attachment, Trauma, and Fear”.

    Monday April 24, 2017 at 2:00pm

    Location: D’Ambra Auditorium, Life Sciences Research Building

  • This lab is the first in Eastern Africa devoted to the study of human cognition.


  • Meet Annie Connors, Academic Advisor for Psychology

  • Julia M. Hormes, and assistant professor in the Department of Psychology, College of Arts and Sciences, came to UAlbany in 2012, after completing a postdoctoral fellowship at the Comprehensive Alcohol Research Center and the School of Public Health at Louisiana State University Health Sciences Center. Read more

    NEW Autism Certificate Program

    UAlbany will be offering a Certificate of Graduate Studies in Autism starting in Fall 2017. The certificate program will consist of a three-course sequence providing the credit bearing coursework to fully meet the education requirement and partially meet the supervised experience requirement necessary for admission to the licensing examination for Certified Behavior Analyst Assistant (CBAA) with the NYS Education Department. Click here for more information.

    Undergraduate Majors in the Psychology Honors Program – Poster Presentations

    Undergraduate majors in the Psychology Honors Program presented their research posters to Department Faculty and students on 4/29. The Honors Program provides an opportunity for engaged learning in which qualified students participate in original research with faculty, completing an Honors Thesis in their senior year.

    Click Here for a list of all students, their thesis titles and photos from the poster session.

  • “Now, new research on addiction sheds more light on addiction found that there might be a connection between excessive social media use and alcohol abuse.”

    This article, which appears in Bustle, cites a study conducted by Assistant Professor Julia Hormes.

  • Exposure to synthetic progestin – a steroid hormone used to prevent premature birth in at risk women – has been linked to impaired cognitive function in a recent animal study co-authored by University at Albany Psychologist Christine K. Wagner.

  • Dr. Kit Cho, a UAlbany Psychology graduate student who received his PhD in Cognitive Psychology with Dr. Jim Neely in June 2015, has accepted a tenure-track, assistant professor position in the Psychology Department at the University of Houston-Downtown.

  • Stephanie Wemm, a doctoral student in Clinical Psychology, has received a prestigious National Research Service Award from the National Institute on Drug Abuse. This pre-doctoral fellowship will support Stephanie’s research on the psychological and biological processes in behavioral addictions and substance abuse in the laboratory of Dr. Elga Wulfert.

  • Dr. Michael Ford’s research has been recognized as a finalist nominee for the Rosabeth Moss Kanter Award for Excellence in Work-Family Research. His research paper on work-family conflict published in Journal of Applied Psychology was selected as one of the best research papers of the year in the field.


  • Balance Transfer Credit Card Offers #balance #tranfer #credit #card, #balance #transfer #credit


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    Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

    The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

    Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user’s application is accepted or approved by such companies.

    Copyright 2017 CardRatings.com. All rights reserved.

    General Disclaimer. *See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site. Offers are subject to change without notice and the terms displayed may not be available to all consumers.

    Advertiser Disclosure. Many of the credit card offers that appear on this site are from credit card companies from which CardRatings.com receives compensation. This compensation may impact how and where products appear on this site including, for example, the order in which they appear. It is this compensation that enables CardRatings.com to provide you services like access to free tools and information for consumers. CardRatings.com does not review or include all credit card companies or all available credit card offers. Because credit card offers change frequently, please visit the card issuer site for current information.

    Oops! Your credit does not qualify you for this card. Applying and being rejected for this card could possibly hurt your credit.

    We are redirecting you to offers you are qualified for based on your credit.


    Miles and Smiles #flight, #flights, #airlines, #online #tickets, #best #airline, #offers, #turkish


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    Miles & Smiles: Frequent Flyer Programme

    Gain 1 Mile for each 1 Euro in your international flights. This campaign is only valid for international tours, not in domestic and Cyprus tours.

    Miles Smiles members will benefit from 1.000 bonus miles on all car rentals with Sixt worldwide. Book and rent before 31sr August 2017

    Now Bakcell Ulduzum users can earn additional miles for their Turkish Airlines Miles Smiles account.

    From May 5 – July 31, 2017. you can fly business class for 15.000 Miles instead of 25.000 when you upgrade one way economy class tickets from Lahore to Istanbul.*

    If you are a Miles Smiles member, Do not miss out opportunities securing your health and earning miles with the difference of MAPFRE Sigorta! –MAPFRE–

  • Miles Smiles members have an advantage off 30% for all vehicle groups in Budget; for 1500 miles rent 3+ days, earn 500 miles up to 3 days.

    Miles Smiles members earn 2000 Miles by shopping from Filbox. Bonus Miles earned by Filbox shoppings make your flights free.
    –Fillbox–

  • Double Mileage and Complimentary Airport-Hotel Transfer (One Way) with Kempinski Hotel Barbaros Bay Bodrum.
  • For all stay at any Constance Hotels Resorts from the 10.04.2017 – 30.09.2017 – Miles Smiles members will earn 1000 Miles per night on the 1st 5days of stay.
    –Constance Otel–
  • Miles Smiles members win 500 Miles each day they rent a car from Garenta and a maximum of 1.500 Miles per rental until June 15 2017. Do not miss the chance to rent Nissan Qashqai diesel-automatic for 165 TL and %15 discount in all car groups, only for Miles Smiles members! –Garenta–
  • Stay 3 days or longer at a Rixos Hotel during May and earn 5 times more Miles, or stay between June 1 and 25 and earn 10 times more Miles! –RIXOS–
  • Until July 12 2017, Miles Smiles members can earn 3,000 Miles by buying a joint ticket valid for themselves and their child at LOGOLAND* Discovery Centre, SEA LIFE Istanbul, and Madame Iussauds. Members who buy a ticket covering two activities earn 2,000 Miles.
  • Fly with a 35% Miles discount to many destinations in Europe and the Middle East on all your roundtrip flights qualifying for award tickets.
  • Alt Başlık: Earn double miles from your stay between May 01 and July 31 2017 at Titanic Hotels and take the advantage of 25% discount at BeFine SPA during your stay.
  • Miles Smiles members get exclusive benefits with Europcar, up to 4,000 miles in Turkey and 1,500 miles through Europcar network worldwide.
  • Between April 1 and May 31 2017, you can upgrade your economy class ticket to a business class ticket for 25.000 Miles, instead of 45,000, on single route flights from Europe (Beyond) and Turkey to Taipei, Taiwan.
  • Your chance to earn 25% extra Miles is waiting for you on your flights to Voronezh between April 4 and July 4, and to Samara between April 11 and July 11 2017!
  • Earn Triple Miles special for the opening from Elite World Europe Hotel!
  • By booking hotel stays through PointsHound, Miles Smiles members can earn up to 6,000 Miles per night at over 300,000 hotels worldwide, while paying the lowest price available for your room.
  • Miles Smiles members has privileges to earn bonus Miles for health care services at İstanbul Cerrahi Fulya and Nişantaşı hospitals.
  • You earn 750 Miles from rentals for 1-2 days, 1.750 Miles for 3 days or above.
  • Earn Miles while exploring Cappadocia from above.
  • Promotion is not valid for flights with Star Alliance Member Carriers.
  • Promotion is not valid for flights with Star Alliance Member Carriers
  • Miles Smiles members buying their electricity from Zorlu Electricity now have the chance of earning thousands of miles. Start buying your electricity from Zorlu Electricity and don t miss the chance.
  • Let s select your seat and get ready for a joyful flight.


  • Ebates Birthday Sale – Extra Cash Back Deals #ebates #sale, #ebates #cash


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    Celebrate 18 Years with Extra Cash Back at Ebates

    You’ve watched us grow, now it’s time to party! Ebates is celebrating 18 years of bringing you Cash Back and we want to thank you with even more Cash Back, coupons, promo codes, and free shipping offers from thousands of top stores. It’s the soiree of the century and you’re the VIP!

    Update your spring wardrobe with women’s clothing sales and designer clothing coupons. Give your closet a slice of high-end heaven without the hefty bill thanks to a women’s clothing promo code and Cash Back. Post an OOTD (Outfit of the Day) that will have your friends drooling over the latest spring styles you scored at unbelievable prices, and don’t forget to complete your head-to-toe look with women’s shoe coupon codes.

    Men can also take this opportunity to give their style a suave upgrade with men’s clothing promo codes. Shop top men’s apparel stores with free shipping offers so you can round out your work and weekend looks for less. Find great deals on dress shirts, suits, denim, outerwear, and more so you can invest in your swagger at fractions of the price.

    Now is the perfect time to splurge on new technology with electronics coupons from some of the biggest names in tech today. Shop new tablets, laptops, desktops, and more with computer sales at the stores you know and trust. Score a new TV, speakers, or gaming console with home entertainment promo codes. With Ebates, you can get the gadgets you love for less.

    It’s our way of saying “thanks.” Join us in celebrating 18 wonderful years with Extra Cash Back at Ebates.


    What SBA Offers to Help Small Businesses Grow #denver #business #journal

    #small business help

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    What does SBA offer to small business owners? The programs are many and varied, and the qualifications for each are specific. SBA can help facilitate a loan for you with a third party lender, guarantee a bond, or help you find venture capital. Understanding how SBA works is the first step towards receiving assistance.

    SBA’s Role

    SBA provides a number of financial assistance programs for small businesses that have been specifically designed to meet key financing needs, including debt financing, surety bonds, and equity financing.

    Guaranteed Loan Programs (Debt Financing)

    SBA does not make direct loans to small businesses. Rather, SBA sets the guidelines for loans, which are then made by its partners (lenders, community development organizations, and microlending institutions). The SBA guarantees that these loans will be repaid, thus eliminating some of the risk to the lending partners. So when a business applies for an SBA loan, it is actually applying for a commercial loan, structured according to SBA requirements with an SBA guaranty. SBA-guaranteed loans may not be made to a small business if the borrower has access to other financing on reasonable terms.

    SBA loan guaranty requirements and practices can change as the Government alters its fiscal policy and priorities to meet current economic conditions. Therefore, you can’t rely on past policy when seeking assistance in today’s market.

    Bonding Program (Surety Bonds)

    SBA’s Surety Bond Guarantee (SBG) Program helps small business contractors who cannot obtain surety bonds through regular commercial channels.

    A surety bond is a three-party instrument between a surety (someone who agrees to be responsible for the debt or obligation of another), a contractor and a project owner. The agreement binds the contractor to comply with the terms and conditions of a contract. If the contractor is unable to successfully perform the contract, the surety assumes the contractor’s responsibilities and ensures that the project is completed.

    Through the SBG Program, the SBA makes an agreement with a surety guaranteeing that SBA will assume a percentage of loss in the event the contractor should breach the terms of the contract. The SBA’s guarantee gives sureties an incentive to provide bonding for eligible contractors, thereby strengthening a contractor’s ability to obtain bonding and greater access to contracting opportunities for small businesses.

    SBA can guarantee bonds for contracts up to $5 million, covering bid, performance and payment bonds, and in some cases up to $10 million for certain contracts.

    Venture Capital Program

    SBA’s Small Business Investment Company (SBIC) Program is a public-private investment partnership created to help fill the gap between the availability of growth capital and the needs of small businesses. The SBA does not invest directly in small businesses, relying instead on the expertise of qualified private investment funds. The SBA licenses these funds as SBICs and supplements the capital they raise from private investors with access to low-cost, government-guaranteed debt.

    With these two sources of capital backing them, SBICs search across the United States for promising businesses in need of debt or equity financing. SBICs are similar to other investment funds in terms of how they operate and their pursuit of high returns. However, unlike other funds, SBICs limit their investments to qualified small business concerns as defined by SBA regulations.