Wondering About Financing Small Business Loans?

Many small companies in the US expect some growth opportunities in the next year. That is the great news! The bad news? Financing opportunities are looking bleak, particularly if the business owner has less than great credit, or a new business. Why would you need to know about financing small business loans? The main reasons for small business financing are to receive working capital and funds for capital expenditures.It used to be that applying for business cash for a smaller business was fairly straightforward. You’d pay a visit to your local friendly banker and talk about your business needs. You’d discuss what you needed and they would help with financing a business loan – yours, to be exact. Then, the financial crisis hit, and banks closed ranks and decided that loans for small business were too risky. Business cash almost dried up. The big losers? Small business owners.Now, we see the result of lack of financing: many small companies are either struggling to stay afloat, or are finding it almost impossible to capitalize on upcoming opportunities. In a recent Year-End Economic Report published by the National Small Business Association, nearly 40% of small businesses report they are unable to acquire adequate means for financing small business loans they deem necessary for their business to continue and grow.What are the options for companies to get the business cash they need? The large corporate bankers and small locally owned banks are not the alternative they have traditionally been. You may feel that your business is a captive being held by the current economic situation and credit crisis. What you may not know is that there is a great source of alternative lenders who can provide working capital for small businesses. It is possible for loans to be secured against cash flow or your accounts receivable. In addition things such as inventory and purchase orders can be considered. Do you own property, machinery or equipment? These things as well may be leveraged to secure loans for small business.What happens when your long time banker tells you there is no money for your business? Don’t give up and think that all is lost. There is help just around the corner for you. Business lending has changed. It may seem a little different to do business on the internet, but that is the new way. You just may be able to get the financing you need when the bankers say “No way.” Asset-based lines of credit may be the way to go in this Brave New World.Typical banks are just no longer willing to extend traditional financing to the small company owner. There are many reasons for this, some of which are tightened federal requirements, as well as skittish investors who only look at the bottom line. These factors combine to make it seem that any loans for business may seem quite impossible. But don’t believe that! There is a whole new world of private banks and small business lenders who welcome your business. Once the level of risk of the business being financed is determined, you may be pleasantly surprised by the rates and terms you may be offered. Take advantage of the growth opportunities for your business. Grow your business just as you’ve dreamed.

Why Branding is Vital to the Success of Your Online Business

Let us describe branding, its benefits and how properly branding your business can increase your chances of success. In the age of the Internet anyone can set up shop using a cookie cutter website for a few hundred dollars, sometime less. Creating your own brand will set you apart from the rest.Essentially branding involves the image of your business. Branding actually goes beyond image to include style, logos, emblems and the perception of quality you intent to convey to your customers. The image should suggests positive values such as quality products and excellent services as well as reliability and soundness. Branding helps to describe your business and how you differ from your competition. In fact, distinguishing your business from the competition is the primary goal of branding. Once you have distinguished yourself from the pact, advertising and promoting your business can have a better impact by being more targeted and effective.The success of your business can often be based on your ability to create your brand. Proper branding can greatly increase your level of success. Factors including your website, your marketing efforts and other aspects of your business create your company’s identity. Most consumers rely on a corporation’s image when deciding where to spend their money. Purchases often are motivated based on emotions. Irregardless of size or structure, all businesses can usually benefit from the use of a well conceived brand. The very success of smaller businesses, whether brick and mortar or online, may depend upon the use of good branding methods. The brand could be the deal maker. Proper branding suggests experience and professionalism. This can also level the playing field between competing businesses despite size or tenure, particularly when conducting business online.Building a brand enhances the confidence of the online business owner. Branding affects customer trust and loyalty as well. Branding can give a solid, consistent image to your business. It gives your business credibility and can sets proper expectations with your customers. Branding can be incorporated into promotional campaigns using business cards, flyers and newsletter. Branding can also be used on premiums items like t-shirts, ink pens, coffee mugs and other goods. These items increase your brand’s visibility and remind customers of your brand even when not actually conducting business with you. This gives your business brand equity with your customers. Likewise, a brand is considered to be an asset. Successful franchises and existing business are usually sold for a much higher price than generic businesses offering the same products and services. Customers usually think as much about who they are buying from as what they are buying. Combine branding with consistance, good quality products and top notch service and customers will keep coming back for more.Branding is trully your customers’ perception of your business and can be like a promise or a pledge you make to your customers. When you want to create a brand you want the customer to know you are the best, provide quality goods and services and have something more to offer than your competition. Your goals is to create loyalty and trust. To that end, your customers need to be educated on the benefits of your products and services. This step is critical in establishing your brand. It is helpful to identify the features of your products and what benefits they provide. The features that offer the greatest benefits should be emphasized and the subject of your marketing campaigns.It is important to know what the customers think about your business. Customers may have negative feelings about your business because of bad experiences with your website, your customer service or your products. Other customers may fear making purchases online.Using surveys and questionnaires can identify exactly what is good or bad about your operation and can provide a clear understanding of your business from the customer’s point of view. You can learn what your reputation is with the consumer and what they feel about the quality and value of your products. Their experience dealing with customer service, your website and other issues could be disclosed by the surveys or solicited comments.Creating a brand based on customer input can be very beneficial. This is especially true if you implement changes based on customer feedback. The customer then gets a sense of ownership. It also demostrate empathy on the part of the business owner, giving your business a more human quality though all dealings may have been handled electronically. It is natural to stick with a company and products when you are satisfied and pleased. This results in repeat business and a better chance for overall success. Your customer base can be considered as your target audience when it comes to branding your business. If you do not know and understand the audience you are targeting then you can not brand your products and services based on their needs and wishes. Your audience is the targeted customers you are hoping to reach to purchase your products and services. To define your target audience you may need to look at factors such as gender, age, geographical regions, income and demographics. The age of an audience must be considered when branding your business. A younger crowd may want to see a brand that is vibrant, hip and current. When your audience is older they may be looking for a brand displaying status, sophistication, and professionalism. Gender of an audience is an issue if you are selling clothing, hats, jewelry or other such items. Income is something to think about when considering an audience and developing a brand. You cannot sell very expensive luxury items to a working class audience. People with high incomes do not usually consider purchasing cheap goods.There are many things about your audience that you must know when creating a brand. If you do not have a clear understanding of your target audience then you will likely fail. It is important to define your audience as narrowly as possible. The more you can narrow down your audience the more your brand will separate you from the competition. This means you will have less competition and a greater share of the customer’s dollars coming to you.Branding for your targeted audience will allow you to be more successful and develop longer lasting relationships with your customers. Targeting the wrong audience can spell disaster for your business.When ever possible, brand your business to better reach your target audience and to create your own special niche.

Health Care – Degree Training Possibilities

Health care degree training programs allow students to train for an exciting new career in the medical field. Students can gain an education in this field by enrolling with an accredited school or college. Obtaining a certificate or degree in health care can open a world of opportunities for students looking to start a new career. There are a range of degrees to choose from when looking to enter a training program.Students looking to obtain an accredited degree in the field can do so at various levels of education. These levels of degrees available include:AssociatesBachelorsMastersDoctoratesStudents can also earn certificates in certain areas of the field and for continuing education.Health care degree training allows students to gain the education they need to succeed in the industry. Accredited schools and colleges provide students with the chance to specialize in a variety of areas including:Cardiovascular TechnologyHealth InformationHealth EducationHealth SciencesPreventive MedicineHealth ServicesPublic HealthWhen receiving a higher education students can choose the specific area that interests them most.Depending on the level of degree and educational program students will be able to enter a number of exciting careers. Accredited schools and colleges allow students to train for careers working in:HospitalsSchoolsClinicsHome Health Care AgenciesPrisonsPrivate OfficesEmployment placement will depend on the career and education received by each student.Educational training programs offer coursework in a variety of specialized areas. Students looking to enroll in a health care education program can expect to learn:AnatomyChemistryPhysiologyHuman HealthNutritionMedical ChartingOccupational HealthCoursework will vary depending on the level of degree and career each individual student chooses to pursue.Career opportunities in health care are available to students in a number of specialized areas. Some careers that students can pursue are:NurseAdministratorSurgical AssistantPhysician AssistantHealth Services ManagerAnesthesiologistHealth Information TechnicianStudents can find a variety of employment opportunities depending on the level of degree and school of attendance. Those who already hold a degree can enroll in continuing education courses to learn new skills and stay current with advances in the field.With an accredited education in health care students will have the opportunity to gain the skills and knowledge needed to enter into their chosen career. The need for professionals in this field is constantly on the rise, causing more students to pursue degrees in this field. Students can find more information about any one of the available degrees by contacting several schools and colleges that offer these programs. Students can be on the path to a new career by requesting more information and enrolling in the school or college that best fits their individual needs and career goals.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org.

Costa Rica Health Care: Internationally Accredited and Affordable

The Costa Rica health care system is well recognized internationally and its quality and affordability are second to none. Though health care in Costa Rica it is widely discussed among interested foreigners, the extent to what makes it so great is relatively unknown; from high quality, broad coverage in the public and private sectors, to the prestigious training of medical staffs, Costa Rica truly has an amazing health care system.Costa Rica’s public health care is recognized as being of the best 20 systems in the world. There are 29 public hospitals and hundreds of clinics scattered around the country. In addition, in locations with out hospitals there are local, top notch doctors. The government run Social Security System (Caja Costarricense de Seguro Social – CCSS) sponsors the hospitals and is largely responsible for providing affordable, quality health care to the people. In 2010, a new immigration law implemented mandatory monthly payments to the CCSS by all expatriates. The monthly fees are $55 a month for anyone under 55 and $37 a month for anyone older than 55. In addition, the CCSS covers insured tourists in coordination with their providers in their home countries.Costs on procedures can be 30-70% cheaper that US or European standards depending on a number of factors. Due to the prominence of the Costa Rica health care system and the country’s accessibility, it has become a celebrated destination for medical tourism, particularly for elective surgeries. Any plastic or dental surgery can be completed at US standards, but up to 65% cheaper! All medical tourism is completed through private health care. Even if the surgery is not elective, the private sector provides state-of-the-art facilities and doctors for patients in need. Again, the primary reasons for coming are cost and reliability. Other places in Central and South America not have the proper care available to people in dire need of treatment, which adds to the list of reasons Costa Rica is a medical haven.The three main private hospitals in the Costa Rica health care system are CIMA, Clinica Biblica, and Clinica Catolica. CIMA has a hospital in San Jose and a brand new one in Liberia; they specialize in just about every medical category. Clinica Biblica is situated within metropolitan San Jose; it is prominent in many forms of major surgery, including heart and cancer care. Clinica Catolica is locate in surrounding suburb of San Jose called Guadalupe; it has a great ER and specializes in many zones of medicine, including: audiology, respiratory, nutrition, and mental, to name a few. Access to private health care comes through the government’s provided insurance company, INS. Depending on a multitude of factors, it costs roughly $60-$130 monthly.Pharmacies are all over the country and provide easy access to medication, much of which can be obtained over the counter. Migraine medication, birth control pills, and many other remedies are available at any pharmacy without a prescription. Some stronger painkillers, such as low dosages of codeine, are available over the counter as well. Since there is often someone capable of writing prescriptions at a pharmacy, additional medications can be much more accessible than in other places. Many pharmacies are provided through the public Costa Rica health care system.