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  • Where to Get a Small Business Loan? Learn About Your Options and How to Choose a Good Organization

    Where to Get a Small Business Loan? Learn About Your Options and How to Choose a Good Organization

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    When they are first starting out, small businesses usually require loans to help them get going. Depending on your type of business and industry, you might need funding for inventory, strengthening your firm’s foundation, advertising, expansion, etc. “Where to get a small business loan?” is a very common question by owners of start-ups. Your choice of a lender could either help you in your success or cause damage to your business, so it’s important that you choose wisely.

    According to estimates, over 60% of small employer businesses have some sort of debt they are dealing with. If you choose the wrong lender, you could end up in an even worse situation. While many entrepreneurs and start-ups are turning to crowdfunding sources, this approach often requires a great deal of hard work, and most campaigns fail to reach their goal. There are also “Venture Capital” and “Angel Funding” solutions, but these types of alternative funding only play a small role in overall business financing.

    For many businesses, it’s still better to go the traditional route and apply for a small business loan. How do you know which lender to trust? How do you know where to get a small business loan from a reputable organization? A free quote is always a good place to start. You’ll definitely want to check with the Better Business Bureau as well. Only consider lenders that have at least a 3-star rating. Any complaints submitted concerning that particular firm should have been resolved.

    Where to Get a Small Business Loan That Won’t Scam You

    Reputation is also another important factor. Has a company you are interested in appeared in major financial publications, websites, or even television programs? Forbes Magazine, CNN Money, Business Insider, and INC 500 are always a plus.

    If you are in need of a particular type of service, there should be an ideal financial solution for you. For instance, some small businesses require a Working Capital Loan, some require financing for equipment, and others need assistance with vendor programs. There are also businesses that require real estate loans. Whatever your need capital for a start-up or need assistance expanding your small business, there should be a solution tailored just for your needs.

    Not only should you be able to obtain a free quote, the application process itself should be simple and straightforward. You’ll be required to provide some financial statements and personal background information, which will vary depending on the lender and what kind of small business loan you are interested in.

    As to the question ” Where to get a small business loan? ” It’s a good idea to start with US Business Funding. It has an A+ rating at the BBB and has appeared in the aforementioned publications. You can get a free quote if you apply today.

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    Source by George Botwin

    Views: 0

  • Understanding Love's True Nature

    Understanding Love's True Nature

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    Since the dawn of homo sapiens, we have been investigating, experiencing, and trying to crack the secret code of love. Many of us seem to have forgotten that in the earlier days, free love was a scarcity. From aristocrats to slaves, marriages and relationships were often given as commands and choices of individuals in higher power and authority for political, religious, material and personal gains. Thus, there are the great love tragedies of "Romeo and Juliet" and "Abelard and Heloise", as well as countless others who were heedlessly persecuted for their innocent expression of love. These tragic love stories left many of us wondering, why is it so hard to love and what is like to experience that depth of love?

    Free will love has made much progress in the 21st century through the evolution of humans' love experiences, technological advancement, and cultural changes. In today's more liberal societies, people are given the freedom to choose and express their admirations and desires to the subjects of their affection with little or no consequences. However, in societies where we can freely choose whom we want to love, we have witnessed an increase in divorce rate, a decline in marriage rate, and more people delaying marriage for different reasons.

    Duality of Love

    But regardless whether we follow the "Abelard and Heloise" love model of 'following one to the end of the Hell' to 'you are just one of the 100 people that I am seeing and what is your name again?', We experience the universal conditions of pleasures and pains, the coming together, and the ultimate disintegration of love and relationships, no matter how little or how much we love. No matter how much wealth and power one possesses, one is still subject to others' emotional and physical transgressions.

    So, if we know the ultimate end to any love and relationship, why are we still relentlessly pursuing love, whether it is in the form of a committed monogamous relationship or sleeping with as many people as we can? What is it that we pursue in our teens, 20s, 30s, 40s, 50s, 60s, 70s, and up to the moment of our death? And if we are to look back at our lives, would we regret the times we did not try harder, the people we have hurt, and most painful of all, we easily let go of that person who awakens our soul, only to learn so too late.

    Pleasures and pains are the twin brothers of love. We cannot expect one and not the other. We think we deserve God-like love and it is someone else's responsibility to make us happy. If we want God-like love, then we should put in God-like work. If we are not willing to open our hearts to experience judgements, disappointments, and pains in experiencing love, how can we ask for a love that brings us happiness? If we are not willing to overcome our egos and karmic conditionings, how we can manifest a love that brings us meaning? If we are not willing to heal our souls' deepest wounds, how can we expect to live without pain?

    Love's True Nature

    Perhaps we can think ourselves as individuals who have came together to help each other learn and master the experiences of love and separation in different forms: commitment, marriage, infidelity, rejection, betrayal, and abandonment. So, in facing repetitive failures, disappointments, and hurts, we don't easily give up, and we continue to seek, learn, and understand love's true nature. In doing so, we can look beyond the rise and fall of constant changes in our everyday interactions and relationships.

    We learn to not waste energy on trivial questions like why he / she never responded to my text or never called me back. We don't doubt our values ​​because the person we love chooses someone else and we respect his / her choice and will. We don't live the rest of our lives in disappointment and hurt over people's betrayal. We don't take the easy route of love at the expense of others.

    When we transcend our experiences and learnings, love is no longer an idea of ​​you, me, he, she, or us. To love is to release us from our pains, fears, regrets, shame, guilt, and delusions, so we can transcend beyond our limited perceptions of ourselves and what love is.

    We can overcome our conditioned desires that dictate our thinking, beliefs, and behaviors in relationships. We develop the wisdom and courage to stay true to our hearts and not give in to our fears and pains for short term pleasures and gains.

    In experiencing the beginning and end of all human love relationships and their associated pleasures and pains, we learn unconditional acceptance, forgiveness, and love.

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    Source by Wendy Lin

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  • How To Prevent Alcohol And Drug Addiction

    How To Prevent Alcohol And Drug Addiction

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    Drug addiction is a serious disorder. If not treated, it can lead to crises like loss of employment, living quarters and important relationships. And as if this weren’t enough, this kind of addiction can cause illness and even death. Drug addiction is multi-layered and has a variety of causes as well as contributing factors. With the knowledge we have today, Simplistic anti-drug campaigns, such as the “Just Say No” program back in the 1980’s, and even more complex programs like “War on Drugs” is not very effective. The reason for this is that these campaigns do not address the root causes of drug addiction but battles the symptoms not the causes of drug addiction.

    When most people consider a drug addiction problem, their minds go automatically to old movies or TV-series. A junkie trembling on a street corner, selling her own body for her next fix, or a tragic, pale old man lying in a gutter with a needle in his arm, or even a college girl snorting a line of crystal meth in a frat house bathroom during a wild party. These images are powerful indeed, but drug addiction generally creeps up in a slow but determined pace. Months or years are passing, during which time the addicted person is still able to function in a job, maintain a place to live as well as keeping relationships going. A drug or alcohol addiction problem generally passes slowly through several phases. Just because someone you know has not lost everything he or she owns to drugs does not have to mean that he or she does not have a drug addiction problem.

    One of the most insidious drug addiction is prescription drug addiction, followed closely by alcohol addiction. Let’s face it; we are a nation of pill poppers and alcohol beverage drinkers. Since we were children we learned that if something hurts, we should take a pill to make the pain disappear. We also see that children are being prescribed drugs such as Ritalin in increasing amounts, as parents and doctors smudge the line between active, healthy kids and kids with a true Attention Deficit Hyperactivity Disorder (ADHD). All the time we are bombarded with advertising for pain relievers, sleep medication and a lot of other remedies; prescribed and over the counter. Seen from this point of view, prescription drug addiction is not hard to understand. We hardly question the doctor thoroughly about the risk of dependency on any medication, since using medicine for almost any problem is so widely accepted. It’s so easy to take the drug without question and before we know it, we may have developed a prescription drug addiction.

    Alcohol addiction is almost as easy to develop for much the same reason. We live in a culture of drinking. We often go out for cocktails after work or drinking beer with friends during a sports event slowly gives way to having one, two, three, even six or eight beers every night. It feels normal to continually re-visit the bar during a night at a pub. Next thing we identify is a full-blown alcohol drug addiction.

    How harsh (or maybe great) it may sound, you are the only person that can prevent alcohol or drug addiction, due to the choices or decisions you make. Although addiction is classified as a disease, it may well be one of the few diseases that people choose to get. Each drug or alcohol addicted person started their life as an addict by making a choice. You are free to make the same choice or you can choose to not allow drug addiction to be your disease. It’s your choice and whether you like it or not, it is the price you have to pay for being a human with a free will.addiction a seat in your life. It’s up to you.

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    Source by David Richards

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  • The 4 Main Types of Parenting (What’s Your Parenting Style?)

    The 4 Main Types of Parenting (What’s Your Parenting Style?)

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    No two sets of parents are the same. Each has different views about discipline and a different set of values they want to instil in their children. But while different in style, parents have the same goal – to create a world full of love for their kids and to guide them every step of the way.

    Here are the 4 main types of parenting:

    Authoritarian Parenting

    Authoritarian parents are often referred to as the disciplinarians. With strict rules that are often not explained to the child, communication is often one way (from parent to child only). Discipline is the priority of authoritarian parents, therefore they have a less nurturing parenting style that often involves punishment. They have high expectations from their children and offer little to no flexibility.

    Uninvolved Parenting

    Like the name suggests, parents who have this style show little involvement in their children and pretty much lets their children do whatever they want. There is little communication between parties, less nurturing from the parents and a lot of freedom for the children and there is no particular discipline style utilized. Some parents choose this parenting style consciously, but most uninvolved parents usually have a lack of information about parenthood and unsure of what to do.

    Permissive Parenting

    Also referred to as Indulgent Parenting, parents who practice this style see themselves as their child’s friend rather than an authoritative figure. While they are warm and nurturing and communication is open, they offer little guidance and direction to their child and lets him make decisions on his own. Permissive parents usually don’t set rules and have minimal expectations of their offspring.

    Authoritative Parenting

    Many people think that this style is the most beneficial to children. Authoritative parents are nurturing and reasonable and even if they set high expectations for their child, they offer flexibility. When it comes to discipline, the rules are stated clearly and explained to the child. Communication is very open between parties and in a way that the young one will understand. Many children raised by authoritative parents think for themselves and are self-disciplined.

    Some parents follow a particular parenting style strictly, but many practice a combination of styles. Experts recommend not to look at each style distinctively but instead, to see it as a continuum. Many parents also change their parenting as the child grows up. So what parenting style do you relate to the most?

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    Source by Angela Kidd

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  • Ready for a High Impact Mindset Reset?

    Ready for a High Impact Mindset Reset?

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    Your mindset, your thoughts, can buoy you up, inspiring you to take courageous action, or they can drag you down, keeping you up at night with worry and paralyzing you with fear. Even though our brains are wired to dwell on the negative, on past mistakes, how we think in this moment is something we can control.

    Changing our minds in the present moment can be hard work! I know from experience that when things aren’t going well, one of the toughest things to do is to turn your mind from impending doom to what is possible and what can be done.

    The good news is that the more you practice these mindset boosters, the easier they become. They do, in fact, become habits that kick in when you need them the most.

    The even better news is that the more you practice them, the more impact both you and your company will have. Staying on track and not allowing yourself to be pulled down will save you a lot of time and energy. The time and energy you free up can be spent on your company’s financial performance and having impact.

    S0 let’s look at ways you can do a mindset reset and the practices that will support you in doing so:

    The Future Doesn’t Just Happen – You Shape It Every Day

    Have you ever seen or read about people in the direst of circumstances who are transcendent, happy? And others who seem to have everything, and yet feel deprived? The way you choose to think about a situation, the parts of yourself that you call on, even dig deep for, are what determine your present and your future. Your thinking is integral to your character.

    When things look negative, question it. There’s always a way to think about a situation that includes a gift, an opportunity. This may seem contrived at first, but think about situations where you’ve suddenly had a shift in perspective and a solution appeared, seemingly out of nowhere. That’s the effect you want to be able to call on.

    “Circumstance does not make the person,

    it reveals the person to himself or herself.”

    ~James Allen

    People become leaders of successful, impactful companies by becoming the people who can lead those companies first. They walk with integrity. They make smart decisions. They step up and into opportunity with courage. They acknowledge their fears, but don’t indulge them. They learn and grow.

    You are becoming the leader of your high impact company right now, in how you show up every day. Treating people with respect. Listening to ideas. Choosing how you use your time and energy. Making decisions with your mind AND your heart.

    You can shape your future by consciously developing the mindset of the leader who leads your company in these ways.

    Doubling down on mission is one way to ensure that your company moves more in the direction of your impact. New Belgium Brewing became a benefit corporation in 2018, ingraining its commitment to internal and community impact in its legal framework, and is now the fourth-largest craft brewery in the US.

    Fear and Getting Through the Storm

    We all have fears. Fears about how the company will do financially this year, about that crucial new hire who looks promising but is unproven, or about how your new offering will fare in a busy market. Fears can abound, especially if nurtured and given attention.

    “The future you constantly worry about

    Is nothing other than a projection of fear and desire from the past.”

    ~Thich Nhat Hanh

    Fears can instead be a tool, an indicator. They can lead you to research, to ask good questions, and to explore options. As long as you don’t allow fears to take over the present, they can actually be valuable.

    One way to be vigilant about fears is with mindfulness. Mindfulness, that focus on the present, is more than a business fad. It’s a practice that decreases stress and increases productivity.

    The leaders of outdoor apparel maker Patagonia are committed to using their successful company as a vehicle to put mindfulness into action. Patagonia founder Yves Chouinard describes navigating what could be a terrifying Class 4 rapid as a teaching:

    • look ahead and prepare

      • be proactive
      • don’t ignore what is coming
      • think through scenarios
      • do what is necessary to get ready to the best of your ability
      • trust that you can handle whatever happens


    • go into a drop

      • take calculated risks
      • once you decide, follow through wholeheartedly


    • read the river

      • be vigilant
      • be perceptive
      • adjust as needed.

    That intuitive process has helped guide his business for the last 50 years. Chouinard believes that if the process isn’t sound, if your intentions don’t come from the right place, the outcome, even if profitable, doesn’t matter.

    Practicing wisdom by making decisions from a place of love rather than fear can open the door to creative solutions. When Patagonia’s CEO Casey Sheahan was faced with laying off 150 employees during the financial crisis, shortly after he took over from Chouinard, he was torn up about the decision. His wife asked him, “Are you making this decision from a place of fear, or from a place of love?” When he realized that it was fear driving the layoff decision, he found another way, leading to unheard-of sales levels after a few rocky quarters.

    Fear can be a driver of decisions and actions, but they don’t have to be. Elizabeth Gilbert in her book, Big Magic, tells the story of treating her fears like an inevitable passenger on a road trip. Fears can and will be there, but they can Never. Ever. Drive.

    Focus on Your Impact

    Do you find your Impact Purpose, a clear statement of the impact you want to have, inspiring? Does it fill you with energy? If it doesn’t, at least most of the time, you might be on the wrong track. Your clarity about the impact you want to have, whether it’s social or environmental or both, can serve as the rock on which you build your impactful business.

    When you steadily focus on your Impact Purpose, you’ll find your thoughts turning from short-term pain to what you could achieve in your business and community. This thinking about others, and not just yourself, is a way to bring you out of the doldrums or away from unhelpful divergent thinking, and back into focus on your impact.

    Reinforce this by having your Impact Purpose statement in front of you, every day. Have it on your desk or screen. In your wallet. On your fridge. Wherever you will be regularly reminded of what you intend, personally and with your company.

    Plan your day and week with your Impact Purpose in mind. Include it in your decisions about how time, money, and resources will be spent, and with whom. Thoughts aligned with purpose are a powerful creative force. Fill your attention with something worthwhile.

    The greatest achievement was at one time a dream. Stay with your dream. It’ll be part of your becoming.

    You Are the Company You Keep

    You may have heard the notion that you are the sum of the 5 people you spend the most time with. That speaks to the influence that those around you have on your thinking and therefore on your actions.

    Some companies who are committed to having impact take this to a highly conscious level. Design firm LimeRed, led by Emily Lonigro Boylan, only works with individuals or organizations that have social impact. LimeRed only engages with clients whose values they share, who are kind and innovative, and who are also accountable to their stakeholders and communities.

    You as a business leader can also take this to another level by incorporating it into decisions about who you include on your team, your suppliers, and your partners. Do you vet who you work with every day through this lens? Do you extend this to your advisors, your pet projects, and your friends?

    You’re more likely to have impact when you devote all your energy and resources toward people and companies that also want to have impact in harmony with yours.

    Your mindset matters to your own fulfillment and well-being. It matters to your company, as you engage with your community and the larger world. Optimize your opportunity to have impact by doing this mindset reset.

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    Source by Ursula Jorch

    Views: 0

  • Spiritual and Emotional Healing for Common Chronic Illnesses

    Spiritual and Emotional Healing for Common Chronic Illnesses

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    Chronic illness can be used as a tool of enlightenment to discover the lessons of soul journeys.

    Often times, our physical bodies reflect the spiritual, psychological and biological imprints of our experiences.

    When we engage a process of healing, often practitioners address the physical or biological aspects of health challenges, yet the psychological and emotional aspects are often neglected.

    Thus, it is important to look at our emotional and spiritual patterns to discover the lessons in specific health conditions.

    In the Chinese system of medicine, there is a mapping of personality archetypes that correlate with specific internal organ imbalances. These correlations can give insight to emotional and spiritual aspects of health challenges.

    For example, someone with a kidney imbalance or adrenal fatigue or urinary bladder issues might lean toward excessive fears such that energy becomes stagnant to create kidney stones. We would call this personality type a “water” type. They might tend to be very introspective and inward, suppressing feelings as opposed to expressing them. Also, water personalities may be challenged with exhibiting discipline.

    On a spiritual level, water aspects are about spiritual essence, so lessons that have to do with our jing-our spiritual DNA or heritage, cyclic patterns of energy that are associated with our spiritual ancestors and our spiritual blueprint.

    So, when we have issues involving a kidney pattern, either in the form of weak kidneys (sluggish energy), kidney stones, weak bones, or cancer, we need to ask ourselves, “On a spiritual level, what energies am I holding around heritage and ancestors that may be depleting my kidney energy? What fears am I holding?”

    On the other hand, a person with high blood pressure, dizziness, and tendency towards insomnia or anger might have more of a wood personality, manifesting imbalances with the liver. The partner of the liver is the gallbladder, another wood element organ. A personality archetype of a person with imbalances of the gallbladder would be one who has difficulty making decisions and defining themselves and their path in the world. There is often a sense of angst or wavering about what to do or who to be in the world.

    Spiritually wood is about creativity and the most benevolent aspects of spirit. So, when we have health challenges that are more of a wood issue, we can ask, “What issues or energies am I holding around blooming compassion or dealing with suppressed anger?” How am I allowing my spirit and personality to manifest creativity?”

    Metal personalities often are more prone to lung challenges, asthma, bronchitis, and other respiratory and auto-immune issues that may express more on the skin or through the large intestine. Metal out of balance can represent a person who tends to be righteous in fighting injustices but perhaps at a level that depletes their energy such that the immunity and the lungs suffer. Irritable bowel syndrome can also be a tendency for people who have a strong metal element, as there may be issues with holding onto experience and feelings that no longer serve the body, creating inflammation in the organ itself that is responsible for elimination of toxins. Perfectionists often fit into this metal category as trying to achieve very lofty goals-part of the righteous aspect of the self that is trying to attain the highest level of achievement.

    Spiritually, metal is associated with our “wei qi”, external immunity that protects spiritually. “Wei qi” can be compared to an energetic shield. So, we might ask ourselves, “What issues or energies am I holding around protection, perfection or the need to right injustices on a spirit level?”

    Earth personalities tend to manifest spleen/stomach and digestive issues. They may also exhibit challenge with boundaries (setting appropriate boundaries so as to regulate activities and relationships such that one does not become overwhelmed). Thus, anxiety may arise. Also, the earth personality may tend to ruminate on thoughts and ideas which can also add to anxiety and the health challenges that may accompany stress, such as acid reflux, ulcers, and irritable bowel syndrome.

    Earth personalities can be natural nurturers but may have a tendency to over-nurture and not make time for themselves. Thus, nourishing the self becomes an important healing tool for earth personalities. Challenges with grounding and centering energy may also emerge for earth personality person as often their energies are stretched in so many directions in the attempt to care-take others.

    On a spirit level, earth represents the spiritual intelligence. So, we might introspect earth related health challenges by asking, “What energies or issues am I holding around allowing my intuitive and spiritual intelligence to guide my path versus my cognitive, intellectual self? In what ways am nourishing my ability to let spirit lead?”

    Sometimes our spirit journeys may involve patterns or lessons around these elemental aspects of being such that we may carry the imbalance of earlier spirit journeys in our bodies as patterns that reflect our elemental patterns of those times.

    This is often the case with health conditions that do not respond to traditional western or traditional eastern protocols. These conditions often reflect deeper rooted soul lessons that need to be resolved. Thus, the process for resolution often takes time. Yet sometimes people want a quick fix and only want to invest in their health with a few sessions or herbal formulations. Yet, the condition may have taken several lifetimes form-so the work of healing needs to be consistent, steady and regular to gain optimal resolution.

    Understanding this longer cycle of healing and supporting the journey with self-empowerment tools such as self-acupressure, dietary and exercise guidance and spiritual mentoring is a hallmark of the type of Chinese medicine that I practice. Thus, clients are given a palette of tools from which they can pick and choose what resonates for them. Then, they can decide at which level that wish to implement strategies and tools in their lives. Thus, the client is the driver in the healing experience with the practitioner merely facilitating a deeper road on which to travel.

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    Source by Kay Hutchinson

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