First Date Clothing Suggestions For Men

Dressing smartly and suitably for a date is an area which some men unfortunately overlook and feel they don’t need to make an effort dressing for a date. This is the first mistake a man can make when going on a date. Having said that, not all men overlook this area; there are some men who spend hours getting ready for a date but wouldn’t admit it. Wherever you decide to go on a date, regardless of the class, it is vital that you appear to have made an effort and turn up looking your best wearing a freshly washed and ironed outfit.

First impressions can make or break a date, so the importance of looking smart cannot be underestimated. Along with being washed and ironed, clothes must fit properly, be stain free, be hole free, not too tight, not too baggy, not garish and not old and faded. It is also important that the outfit you choose to wear on a date is suitable for the date location plus matches your age. Dressing older or younger than your actual age will only make you stand out. By dressing too young you may appear like you are trying to recapture your youth resulting in your date believing you have other personal issues going on. Alternatively dressing too old could be off putting for your date. You want your date to look at you and feel happy to be on a date with you, not to wonder what they have got themselves into.

The easiest date to dress for is a casual date. This may include going for a drink in a bar, going out for fast food or a visit to the cinema. For any casual date, it is perfectly acceptable to wear jeans. It does not mean that you can dress down or wear jeans that have seen better days. Jeans should be in good condition and have a perfect fit, especially around the bottom area, which is where most women tend to have a good look at. You can choose between a variety of tops to accompany jeans, such as a t-shirt, a poloshirt, a casual shirt or a sweater. Poloshirts are ideal if you have a good physique and you wish to show it off. If the weather is cold, then a casual jacket is suitable. If you decide to wear a t-shirt, it is best to avoid garish colours and stay away from novelty t-shirts, at least for the first date anyway. If you decide to tuck your top into your trousers, remember to wear a belt to add a finishing touch to your look.

You can get away with wearing jeans on a casual date, but if you are going on a classy date, then they are not appropriate. A more formal look is required for a classy date, such as a visit to the theatre or a meal at a fancy restaurant. It’s a good idea to own a suit, ideally in a dark colour such as charcoal grey or navy, as you can create a number of different looks using just one suit. You can wear a variety of different shirts and ties with a suit or you can change your look entirely by wearing the suit trousers with a casual shirt, or even wear the suit jacket over a casual outfit to create another great look. If you choose to wear casual attire on a classy date then all you will achieve is showing your date that you couldn’t be bothered to make an effort, plus you will stand out especially if your date is wearing a stylish dress. Once you have chosen your outfit, don’t ruin the look by wearing inappropriate shoes. Formal footwear should be worn when going on a formal date. Trainers, sandals, pumps and boots are not appropriate. Formal shoes must be clean, match the outfit and comfortable to wear. If you are wearing a belt with your trousers, then ideally your shoes should be the same colour as the belt. Footwear is an area that women tend to notice, so great footwear can leave a great lasting impression on your date.

An active date, such as playing a game of tennis, or going walking together, requires a different look. It is necessary to wear sports gear and not forgetting supportive footwear. Clean modern jogging bottoms or shorts are appropriate, just as long as shorts aren’t too small and tight and jogging bottoms aren’t baggy at the knees. A t-shirt, long or short sleeved is suitable and if the weather is cold, then a sports jacket or a sweatshirt can be worn. Dressing for a sporty date is not a time to put fashion before comfort. You need to dress in clothes that won’t restrict your movement plus feel comfortable to wear; remembering to check that they are clean before you put them on, including your footwear.

If your date has arranged the date and you don’t know where you are going, then you need to wear an outfit that is suitable for a range of date locations. A good suggestion is a pair of smart trousers accompanied with a fashionable shirt and a stylish jacket. A stylish jacket, such as a suit jacket will be appropriate if your date has booked a table at a fancy restaurant, and a fashionable shirt is sufficient for any casual date and even a slightly classier date. There is no need to wear a tie, but if you prefer, you could always conceal a tie in your jacket pocket in case you find yourself going to an upmarket venue. If you feel overdressed, you can remove the suit jacket to reveal your casual shirt. It is always better to be slightly overdressed than underdressed, which will show that you have made an effort.

Along with clean, ironed, fresh smelling and well fitted clothes, it is a good idea to turn up for a date clean shaven, showered and smelling great. Smelling good is very attractive to women, just don’t overdo the aftershave or body spray. Don’t leave your decision making to the last minute. Think in advance about what you wish to wear and take your time getting ready. The last thing you want is to turn up for a date feeling flustered and worried because you forgot to shave or put on deodorant. Planning your outfit in advance and looking like you have made an effort are the two main keys to dressing well for a first date.

What are E-Cigarette Cartridges?

Electronic cigarettes are available in many different styles such as mini, pen style, cigar style, traditional cigarette and much more. Those using ecigs report that they find the device to be much better in helping them quit smoking than other quit smoking devices. They give the same kind of sensation as that of smoking a traditional cigarette, but without the side effects.

How do electronic cigarettes work? They have a battery which is used to work an atomizer. The atomizer heats up the nicotine cartridge that vaporizes when the device is switched on giving off vapor-like smoke that dissolved in the air quickly, but which gives a same feeling as taking a drag on a traditional cigarette.

E-Cigarette cartridges contain the nicotine solution that vaporizes when the device is activated. The vapor when inhaled gives the same sense of satisfaction as that of smoking a traditional cigarette, but without the side effects. Those using ecigs report that the device mimics a real cigarette to the T’ and that they did not feel like smoking so often or getting back to using their usual pack again.

E-Cigarette cartridges are available in different flavors. You can find the traditional cigarette flavors such as Marlboro or Camel and there are also a range of non-nicotine flavors such as menthol, melon, strawberry, pepsi, champagne, orange, lilac, whiskey and vanilla. Nicotine solutions are available in different nicotine dosages such as 68 mg/ml, 1014 mg/ml, 1618 mg/ml, and 2054 mg/ml.

When starting out on ecigs, user begin with a nicotine solution that has a higher level of nicotine level because they feel more like the traditional cigarette brand that they have been using so far and then reduce the nicotine level. There are electronic cigarette cartridges available with zero nicotine levels.

Instead of opting for refill nicotine cartridges, you can refill existing cartridges by yourself. Open the cartridge device and use a paperclip to remove the liquid container from it. Add juice to the container using a dropper and do not overfill. Make sure that the cartridge is filled correctly. Push the container back into the cartridge device, which is to be placed into the atomizer.

ECigsUnlimited provides a range of e-cigarettes and electronic cigarette cartridges at the most reduced rates. You can find them in different styles along with a range of accessories that can be used to enhance device usage.

Age Appropriate and Attractive Ideas For Aging Gracefully

Maturity is a badge of honor to be respected with good taste. There simply comes a time when all the extra bling and fabulousness of fashion, hair and makeup is best toned down. When you were a younger Alluring, Innovative or Dramatic woman, those items of “look at me, I’m au currant” stood for something. Status, hipness, a woman in the moment who’s up on the trend. But wisdom carries with it a confidence and sophistication that allows you to do less and achieve more. A maturing face and figure carries a patina of wisdom. A statement in and of itself, it doesn’t require bright lips, over the top earrings or a crazy hip belt to bring it forward. It stands there, gently making its own beautiful statement. Less is simply more as we age. To accentuate your second act best:

o    Avoid drawing attention to your mouth with bright or dark lips.
o    Avoid drawing attention to aging eyelids with frosted shadow.
o    Avoid drawing attention to aging hands with bright nail polish and/or a multitude of attention-grabbing rings.
o    Draw the eye to your face with neckline interest and earrings.
o    When in doubt leave it out.

The Importance of Being Current 

Keeping current is undoubtedly a constant and not inexpensive challenge. With all the technology with which we are bombarded, however, we still have the old standby; the monthly magazine. Magazine subscriptions are one of the most effective ways of getting information you can absorb on your downtime. The whole experience of sitting down with and perusing a magazine that inspires is a ritual that endures. Magazines are the great equalizer. No matter where you live in the country you have the same access to fashion, fitness and beauty that the most upscale, in-the-know New York socialite has, because she gets her “W” magazine the same time you do. When “O” comes out, you’re right there with all of Oprah’s associates on the hottest, latest and most suitable fashion, food, fun and inspiration you need that month. You just go to your mailbox, Oprah is waiting for you, and it’s your turn to dream. 

What Were We Thinking?

We’ve all done it. Looked back at those embarrassing fashion photos and wondered, “What was I thinking?” I look back at my pinstriped jeans, permed hair and parachute pants and think “Hmmmm.” The more extreme trend, the more risk of later embarrassment. We may forgive the young. But it’s not so easy to forgive a second actor in a leather mini.

A woman in Act Two need never wear:

1.     A micro mini
2.     Combat boots with formal wear
3.     White hose
4.     Frosted eye shadow
5.     Chunky platforms
6.     Dark brown lipstick
7.     Butterfly barrettes
8.     Extreme low-rise jeans
9.     Visible underwear
10.   A spiral perm

What’s Age Appropriate Now?

In our Second Act it becomes difficult to find the balance between matronly and modern. Looking current and youthful should not translate into “mutton dressed as lamb.” I met a woman recently whose long, blonde, permed hair was pulled up on one side and suspended with a comb. For height she created gravity defying bangs with a curling iron and “Spritz Forte.” She wore a fitted navy knit tank, tight tapered pale denim jeans and a crocheted sparkly baby blue shawl tied around her hips. She was 48. 

I liked her and enjoyed hearing her tales of woe in raising teenagers. But as I listened I was continually distracted by her image. It just wasn’t working in her favor. The reason it didn’t work was because it was expressing only a part of this woman. I obviously knew who she had been, but as she talked, the more interesting experienced and attractive parts were hidden behind a façade of fear of aging. Yes, she was attractive and sexy but she was also a 48-year-old single mother of teenagers who had quite a bit of sun damage, an advancing derriere, tan lines across her back and thinning hair. The look did not make her look younger; it made her look vulnerable and insecure. Our image must reflect who we’ve become, not who we were. That is age appropriate. 

Commercial Real Estate Marketing Plan – Key Points to Win the Client

In giving a client a marketing proposal and strategy to sell or lease a commercial property, a number of things need to be well detailed in the proposal itself. Here are some of the main ones that should never be overlooked in your property proposal.

  • Why Should I Use Your Agency? It is an important question and hopefully you have a very clear idea of the advantages you bring to the sale or leasing process. Generic statements like ‘we know the market’, ‘we are the best agent in town’, ‘we have been here for 50 years’, and ‘we will serve you well’, just do not cut it in competitive markets. Consider why your real estate agency can stand clear and separate to other competitive agencies in promoting the property. Make sure that the client knows without any doubt why they should choose you as the agent of choice. Do not base your marketing point of difference on low commissions or agency paid advertising; that just does not work in this market and will put you out of business fast. Your agency must have something that is special and not copied from other agencies; it should also be so unique that you are the first choice as the real estate agent to take on the listing. If you do not have this clear mindset, then welcome to the world of the ordinary real estate agent that has to fight for every listing. Be separate than everyone else, create your point of difference and then market it well.
  • Happy Existing Clients & Recent Sales: Evidence of market activity and positive results will always come in handy as you attempt to advise the client on the right strategy to adopt for their property. In this property market with an abundance of available property stock, you should never take on overpriced listings. On average it is better to walk away from them and work with listings that are closer to the market price or rent. Your time is a valuable resource and must be protected from unrealistic vendors. A realistic property owner that works within the property market is far better than a property owner that is trying to set their own property market.
  • Prospective Buyer Activity on a Property: Telling the seller or landlord of your current and prospective sources of enquiry is a worthwhile part of your marketing plan. This lets the owner of the property know that you are really on the right ‘wavelength’ when it comes to locating tenants and or buyers. Some agents also adopt the strategy of getting a series of inspections done quickly with potential buyers from their database even at the early listing stage. It is surprising how many listings are sold or rented even before they reach the market officially.
  • What is Value? What is a Property really worth? Whilst exact prices and rents are hard to pinpoint, you should have a reasonable idea to within 5% as to what price or rent you could achieve with any given property. If you have no idea of the rent or the price then it is better to put the property to the market on the basis of ‘expressions of interest’. In that way the market will tell you what they think. With some very unique properties this is necessary given the limited pool of buyers that can participate in the purchase.
  • Methods of Sale and Timing: The main possibilities when selling a property are usually sale by auction, sale by tender, sale at a price, sale by negotiation, expressions of interest, trade or exchange. Knowing the best one to choose is the key to success. Putting the property on the market at a price is the less successful way of property marketing. The reason for this is the market will judge the property and try to reduce the price; if the property is too highly priced it will ‘kill’ any genuine enquiry before you even hear about it. One other fact needs to be remembered and respected here; a property will become ‘stale’ on the market after about 90 days. If it does not sell by then, it is better to remove it from the listing books for some reasonable time, to freshen the property for the next stage of marketing that you need to go to.
  • GANTT Model: For those of you that may not be aware, this is a way of graphically displaying activity. It is a common graphing process. It just so happens that it is a very powerful tool when you put it in a commercial property proposal for sale or lease. The display shows the client exactly what you are going to do for them and when.
  • Question and Answer: As part of your property marketing proposal, it is wise to have one or two pages that handle the concerns and questions of the client. From the preliminary meeting with the client you will have ascertained what matters concern them; you can merge these concerns and your answers into a Q&A format within your proposal.
  • Executive Summary: Always use an Executive Summary at the front of your document. It should be no longer than 2 pages, and bring all the main points to the front of the proposal. Adults generally do not want to read a lengthy document, so all your great work may largely go unread unless you can get the key points to a place that interests the client to read further.
  • An Exclusive Selling Agency Agreement: Why should you do one? The obvious answer is that you can best serve the listing and the client; you can also control the competition agents that may be chasing the same property. Open listings are not desirable and are essentially a waste of time unless you specifically have a purchaser that is a strong contender to take the property immediately. Occasionally I come across an agency that has a business approach of listing everything they can regardless of agency type; whilst this method can work, it does require you to have a very large number of listings and plenty of signs on properties. In only that way will you get the enquiry and conversion numbers that you need for KPI’s on commissions.
  • What are the advantages to a Vendor in having only one Agent when selling a Property? Tell the client why one agent is the best way to go. Multiple agencies working on the one property do not allow focused communication of offers and marketing coordination. Tell the client how you will connect with them on marketing, negotiation, due diligence, and property settlement.
  • Advertising: Yes advertising is expensive and it is still necessary, although you can be selective. You need to get the property message out to the market in the most efficient and direct way. How you do that is really property specific, although the conventional processes of newspaper marketing (expensive) are becoming less necessary. The internet is taking over as the main advertising channel in commercial real estate sales and leasing, and offers your client far better and cheaper ways of putting the property to the market. A key strategy for property marketing is to create 3 different levels of marketing for the client to consider (gold, silver, and bronze), as it gives them the feeling of control when it comes to spending on vendor paid advertising.

So these key points should be well handled in your property proposal. When you get the points clearly set out, the client knows what you can do and why they should choose you as the property agent of choice.

Star Wars Halloween Costumes – Top 3 Picks For This Season

The Star Wars Movie is a worldwide phenomenon, and has spawned a huge magnitude of Star Wars fans and followers from people of all ages. George Lucas’ first Star Wars movie begun in the 1970s, and is one of epic proportions. Sequels and then prequels followed up after it first appeared on the big screen. The movie was such a big hit that it resulted in a popular trend for fashion, toys and other merchandise. It also became fashionable to dress up in Star Wars Halloween costumes.

Here are the best and all-time favorite picks.

Anakin Skywalker

Anakin Skywalker is the character before the villainous Darth Vader was born. He is the main and popular character in the prequels to the Star Wars trilogy. Young Anakin assumed the good person and as the trilogy unfolded, his transformation was gradually revealed. He had a tragic fall to the dark side. He became the all-evil alter ego Darth Vader.

Anakin Skywalker is one of the most popular choices when it comes to Halloween Costumes because of its receptivity among kids, teens and adults. Wearing an Anakin Skywalker costume this Halloween will get you noticed wherever you go. Whether it be attending an office Halloween party or getting a nice get-up for your kid, buying Anakin Skywalker costumes make for a really great idea.

Most kids, teens and young children would be happy if their parents bought them Anakin Skywalker costumes. Not only will it be a head turner, it will be a knockout if you are wearing this costume. Anakin is a character every child has come to know and love. A basic Anakin Skywalker costume comprises of a brown shirt, a pair of brown pants, and boots. It can either have a real or printed belt. To add to the realism of the Anakin costume, you may purchase Anakin Skywalker’s light saber, which is essentially a sword typically offered as a separate accessory. Kids would really want to be Anakin and the light saber is the perfect accessory that will go along with this great Halloween costume.

Darth Vader

Visit any costume party and it is almost certain that you will see others wearing the Darth Vader costume. With Halloween just around the corner, a Darth Vader Halloween costume makes the perfect disguise for your upcoming party. Regardless of your age, you can find suitable-sized Star Wars Darth Vader costumes that will fit you and your buddies or family members. These outfits reproduce the true look of your notorious character, and gets everyone noticing you. Kids would really appreciate if they can wear a Darth Vader child costume to go for a night out of trick or treat. Apart from children, adults too can enjoy Halloween, sporting high-end costumes like the Darth Vader Supreme Edition Costume that look so real that you appear to be the actual character from the Star Wars series.

A typical Star Wars Darth Vader costume comes with a suit, boot tops and an attached cape. Shin protectors, a belt and the chest plate also come with the package. A molded mask is included with some Darth Vader costumes package. Complete the Darth Vader look by carrying a lightsaber sword.

Clone Trooper

Joining the popularity ranks is the clone trooper Star Wars character. The clone trooper costume makes an excellent option when wearing it at your Halloween parties or any other special Halloween event your workplace organizes. The adult clone trooper costumes are designed with such great care and detail that they are enjoyable to wear. As I know it, the basic costume includes a printed jumpsuit with Velcro straps, a clone trooper mask and shoe covers. As with all Star Wars costumes, there is a full range of costume sizes available so that you can select the one with the best possible fit.

There you have it, my top choices in the collection of Star War Halloween costumes for your Star Wars character. I hope you will have a great time this Halloween.

An Outline of Personal and Business Loan Categories and Their Uses

The number of loan products have increased over the past 20 years as economic necessity and a demanding public in need of specialization to solve financial circumstances. From personal loans, educational loans, business loans and even municipal loans to touch on a few required various industries to be creative. The entities that took part in the creation of the various financial products are actuaries, risk management professionals, “information and informatic engineers” and Wall Street amongst others. It was necessary to create, enhance or break down for better or for worse loan services and products to keep money fluid in a diverse marketplace that required funds to address niche demographics.

  • Personal Loans

Signature Loans – A signature loan is just as it sounds. One applies for a loan and gives a signature on a promissory note to repay the loan in a certain amount of time. That amount of time is called a “loan term ” and may be from six months to five years. Signature loans usually require good credit and the criteria for loan approval are mostly based on the borrower’s credit and and to a lesser degree on assets. Not all signature loans have the same parameters for qualifications. Some loans may require the borrower even with good credit to account for assets to show the lending institution for underwriting purposes. The institution may or may not place a lien on the assets but nevertheless wants to have documentation proving that there are indeed financial or physical assets owned by the borrower. Signature loans usually come with lower interest rates than other types of consumer loans like payday loans, credit card advances, title loans and some car loans. More on these topics later. Who are the lenders in signature loans? They range from large subsidiaries of auto manufacturers to banks, savings and loan institutions, finance companies and payday loan companies.

Credit Card Loans – Credit Card loans or cash advances from credit cards are another form of personal loans. These quick loans are more readily available to the general public and does not require a credit check. To obtain the initial card more than likely required a credit check or at least the process of identification for secured credit cards. Credit card loans or advances usually come with higher interest rates and also other fees for having access to the cash. Various entities allow access to the credit card cash advances from bank tellers, check cashing facilities and automated teller machines (ATMs). The fees vary based on source used to access the funds. To lower the fees for cash advances some use check cashing facilities to have the card charged and receive cash back in turn for not having to incur the fees of ATM machines as cards are assessed a fee twice; first by the ATM company and also their bank. The interest rates on credit card loans or advances are usually higher than signature loans. There are some states that have usury laws that have lower interest rates on credit cards. The loan or advance on a credit card is not a “term loan” as with most signature loans. It is more or less a line of credit the borrower has access to when they need it as long as there are funds available on the credit card. Interest on consumer loans are no longer tax deductible as in previous years. They were designed for short term borrowing needs but many have come to use their credit cards as a regular source of funds in tight economic times or between paychecks.

Wedding LoansA relatively new form of loan to carve out a niche for the lending industry and meet the needs of the increasing costs of weddings is the Wedding Loan. Because of the expense of weddings which can range into six figures, it sometimes requires a personal loan or even a business loan of the families involved to provide a proper wedding. Wedding loans can be secured (using assets for collateral) or unsecured (signature loans) to obtain funds for the ever growing need to pay for the escalating wedding costs and all the various services and products that a successful matrimonial ceremony would need. The credit criteria and the term may vary based on the amount needed and financial status of the people involved.

Payday or Cash Advance Loans is a fast growing market because it usually requires the least of credit criteria used for loan approvals. One can have bad credit for a quick and instant loan. Just having proof of income, proof of identity and a checking account is all that is necessary to secure funds. Even today many have checking accounts without checks one can still obtain a cash advance by asking their bank to produce a one time check to give to the payday loan agency. Many payday loan companies and stores can get approval with no faxing of documents as they utilize other means for proof of income. Although payday loans come with very high annualized interest rates they sometimes are the only source of emergency cash loans for those in need.

Automotive, Motorcylce, RV (recreational vehicle) and Boat Loans – These personal consumer loans are usually not signature only loans but asset based loans. In other words a financial lien is placed against the asset to secure a loan to purchase or refinance the car, boat et al. These consumer loans may sometimes require a down payment of five to twenty-five percent to secure enjoyment and use of ownership. Because these are not funds that are already available as with credit cards they come with a “loan term” from one to six years depending on the choices of the consumer, the marketplace and the credit status. The interest rates can range from very low usually offered by manufacturers of cars, motorcycles, RV’s (recreational vehicles) and boats to very high if the borrower uses a credit card, a finance company or a “buy here – pay here” lender – or the car dealer who finances the purchase of the car by giving the borrower a term of months and years to pay the balance of the loan off.

  • Business Loans

SBA (Small Business Administration) Loans are loans that are given to small businesses which are not able to qualify for a loan from a financial institution for various reasons from lack of business history, lack of collateral to “secure” the loan or not having an adequate credit history. The SBA is not a direct lender but acts as an underwriter on behalf of the bank that funds the loan for the business entity. If the borrower defaults on the loan the SBA will pay the bank a percentage of the balance for taking the financial risk to loan the funds to the business. There are various types of SBA loans which will not be covered in this article but a future article will explain in more detail.

Conventional Business Loans are loans that are either unsecured meaning no asset is used to approve the loan or secured and called “asset based loans” where assets from inventory, equipment, accounts receivable or real estate are used for underwriting for loan approval. Conventional business loans are given to business entities that have great banking relationships, established business credit history with trade lines with other businesses they do business with and good standing with various credit reporting entities like Dun & Bradstreet. There are short term loans with interest only payments with the balance due at the end of the loan usually referred to as a “Balloon Loan”. There are also longer term loans that are fully amortized (principal and interest in each payment) paid over one to five years or more.

Equipment Leasing is a financial instrument which technically is not a loan. Meaning based on tax ramifications and who owns the equipment – leasing is just that – leasing an asset owned by another entity. Leases are usually from large corporations or a bank. The lease term can vary from one to
five years or more and there usually are tax benefits to the business entity in leasing new or used equipment.

Equipment Sale Leaseback is a transaction to use equipment that is already owned by the business or municipal entity to secure funds for the present need for operations. The term can vary from one to five years and the amount of funds can vary based on credit history and a percentage of the fair market value of the equipment. The company then in turn leases the equipment back in usually a monthly payment. The company or the lessee normally has different choices on what they want to do with the equipment at the end of the term. They can roll the lease transaction into newer more updated equipment or software. They can buy the equipment for one dollar or ten percent of the fair market value of the equipment.More and more companies are leasing today as opposed to paying cash or using bank lines or loans.

Merchant Cash Advance is used by businesses that need fast cash and can’t qualify or don’t want to go through the process of getting bank approval for needed funds. A Merchant Cash Advance is also not a loan product but it is the selling of assets or credit card receipts at a discount. In other words the Merchant Cash Advance company buys the credit card receipts and then attaches a fee usually every time the business “batches”, settles or closes the day’s or week’s sales until the funds advanced are paid off. There is no term with merchant cash advances as it is not a loan so there is no set payment amount or period. The paying off of the advanced funds vary based on a the credit and debit card transactions of the day or week.

Factoring Accounts Receivable Invoices enables a business entity that normally has to wait 30 days or longer to be paid by other businesses or governmental entities. Again factoring is not technically a loan but a selling of invoices at a discount for cash now. In a typical transaction the company applies with a Factoring Company and the company looks primarily at the credit of the other business or governmental entity that the company is doing business with. Based on that as long as the client of the company is a solvent business or government agency the invoices are bought and funds are dispensed to the business usually within three days of due diligence on the company they are transacting business with. In other words the funds are dispensed after there is a credit check and processing of the other company. The dollar amount that is advanced can vary from fifty percent of the invoice to eighty or ninety percent depending on various factors such as the size of the invoice to the credit criteria of the other company or governmental entity whether it is a city, county, state or federal agency.

Medical Factoring is a financial transaction that benefits medical entities like hospitals, clinics and various health care professionals that have to wait to receive funds for services performed on patients. Like Factoring and Merchant Cash Advances Medical Factoring is the selling of assets in this case invoices for cash now. In many instances the health care industry receives payment from third party entities like insurance companies, Medicaid and Medicare and state entities that provide funds for those in need of medical procedures. The medical facility or professional in turns sells the invoice(s) on a on going basis or one time for cash now. Once there is an interest is selling the receivables then a Factor steps into analyze the billing so that funds can be advanced. This process can vary in length but is usually shorter in length than the process of getting bank financing.

Contract and Purchase Order Funding allows companies to bid on large projects for governmental agencies, hospitals, universities, prison systems and municipalities or also to sell to larger corporations even if the business does not have the credit or bank approval or the wherewithal to service or fulfill a large contract order. Similar to Factoring which works hand in hand with Purchase Order Funding it is not a loan but a simultaneous transaction that involves advancing funds based on the credit of the governmental agency or larger company and the size of the contract. The funds that are advanced are for the cost in completing the order of products or performing services. So the profit that will be gained is not advanced but the costs as in raw and finished material, transportation, production, labor, expertise and any other costs involved in completing the contract. Once the contract is completed or once an invoice is ready to be sent to the client a factoring company which is sometimes owned by the same company buys the invoice at a discount and the funds that would normally be advanced to the company are usually used to settle the amount advanced for the material and other services that were needed to complete the order. Contract and Purchase Order Funding usually requires large transaction amounts as opposed to factoring that can be utilized for invoices as small as one hundred dollars. With the use of Contract and Purchase Order Funding companies that were locked out of the process of bidding on large contract s may become players in multi-million dollar deals.

Commercial Real Estate Sale Leasebacks are similar to Equipment Sale Leasebacks featured in this article. Instead of utilizing owned equipment to secure cash when bank borrowing is not wanted or not available the commercial real estate is used to access funds now. This can vary from office buildings, medical buildings, retail franchises, industrial buildings and manufacturing to large utility plants. This frees up cash “locked” away in real estate. Many entities find that at the present time the business they are in whether it is retail, manufacturing or another field that the holding of commercial real estate is not in their best financial interest for now. They prefer to put to use funds for their industry. So a retailer selling retails goods decides to focus on the retail operations and to lease the space because that real estate when factored into a myriad of calculations does not fit their financial goals during the present time. Yes the ownership of commercial real estate is an asset and can be used as a security for a loan but may also be viewed as a fixed non-performing entity that does not meet the needs of the business, organization, group or individual that owns the building. Commercial Real Estate Sale Leasebacks are another form of getting access to funds and has increased over the years.

Choosing the Perfect Pair of Ladies Art Shoes to Wear For Evening Party

The collection of Ladies art shoes has been designed with innovation at heart. This unique collection of shoes combines both comfort and design. Whether it is peep toe shoes or boot sandals, all women love to wear something exclusive and striking as their evening wear.

You should choose to wear shoes, which should complement your dress. You should be able to carry yourself well in those shoes. Sometimes it can be exhausting for you to select a pair of matching shoes when you are going out in the evening. However, if you have a collection of Ladies art shoes in your closet then you have nothing to worry. These shoes come in a variety of colours and designs.

When you are out for shopping your perfect pair of evening shoes, you will have to see that it is stylish as well as comfortable. The shoes come in various designs and at extremely inexpensive rates. Sometimes you may even get a good price for these shoes if you get them on sale. Before making, any purchases check for the originality of the product because you surely do not want to be tricked.

Some of the products in this collection are highly in fashion and purchased by many women. Black is the chosen colour for most women for party wear. It is elegant and sophisticated and goes well with most dresses. In this shoe collection, you will find clogged heels in black that are super classy. If you want to go for something different then you can opt for the black suede wedge boot. They are ankle boot with peep toes and are ideal for summer or spring. In the Ladies art shoes collection you may also find buckle wedges with multi straps to go with your short dress. These are peep toe shoes with high-wedged heels and ooze absolute style and class.

With a short dress, you can try out the platform boots. These boots have synthetic lining and sole, which add a touch of glamour to your closet. If you are attending a corporate party then the timeless court shoes from Ladies art shoes will be absolutely befitting. These are sophisticated shoes and are ideal for any formal occasions. With a button and a round toe, these shoes are regarded as classic footwear for women of all ages.

Last but not the least is the gorgeous high heels from this collection that can be an appropriate choice for your evening party wear. No wardrobe would be complete without these killer heels. These high-heeled shoes are glamorous, have excellent cuts, and are an absolute must -buy for all women.

These shoes are chic and trendy and offer different categories from which you can choose your perfect pair for your evening party. Measure your foot size before you actually venture out to buy any product. Whether it is high-heeled boots or clogged heels or even brogues shoes every women will find something suitable on offer.

Make your wardrobe complete by adding a pair of ladies art shoes today.

How To Be A Successful Entrepreneur Nurse

Nowadays, as nursing profession has become innovative and flexible, nurses have been able to get new ideas, learn, and expand beyond their traditional roles. Since nurses have inherent talents, knowledge and abilities through the rigors of their nursing education, they have started to think outside the box and freed themselves from external restrictions. Their persevering spirit to accomplish greater things has motivated them to advance their degrees, start and grow their own business, join healthcare projects, and hold executive roles in the field of health care. Their ability to lead and innovate enables them to venture a new nursing experience, the nursing entrepreneurship.

Just like in other business, being a nurse entrepreneur can be achieved in a step-by-step basis. You cannot simply be a successful entrepreneur overnight. You have to have sufficient training experience and perseverance in order to grow and thrive as a nurse entrepreneur. Here are some tips on how to become a successful entrepreneur:

1. Practical Approach to your Business

If you’re planning to start a business as a nurse, you have to think twice or thrice before venturing to this field. Entering a business of course entails investment and money so you have to be very sure and dedicated before establishing a business. Also, if you have started one, you have to innovate in whatever you do and discover the latest ideas in the field of nursing. You have to be a good leader to gain the respect of the people working for you as well as the trust of your clients. You have to develop your skills and knowledge, and you have to prove that you really take good care of your clients.

2. Starting up your Business

Do not start a business or any undertaking without preparation and planning. You have to think of all the things that could be relevant to your business, like the initial investment, the time you will need to establish your business, the target population of your business, the timetable you will pursue to regain your investment, and the necessary expenses such as purchasing of business equipments and advertising expenses to promote your business.

3. Be Optimistic

Always look at the positive side of things and do not lose hope when it seems that your business does not profit. Also, when you are planning, always have a persevering spirit that would prompt you to innovate and lead in your nursing field or even in other fields. Believe in yourself and always think that you have unique talents and capabilities to accomplish greater things.

4. Fall back alternatives

Just in case your business does not succeed, do not lose hope. Thinking of other alternatives for your business does not meaning being negative, but would mean being practical. Face the reality that not all businesses succeed and take it as a chance to innovate, redefine your business, and further expand your roles. Besides, you have many other options as a nurse. You can be a teacher, a public speaker in conferences, a researcher, and a consultant under medical field, among others.

Of course, being a successful nurse entrepreneur could give you much advantages and benefits. Here are some:

1. Many Opportunities

Since being a nurse is the most in demand profession in many countries nowadays, being a nurse entrepreneurship can be a plus especially when you are working in hospitals and other health sectors. Since you have proven innovative skills and knowledge in entrepreneurship, nurse entrepreneurs are much more very welcomed in their medical field.

2. Flexible Roles

Having started a business as nurse, you have proven to be a leader to the people working for you. You also have all the authority to delegate people and adjust working time and schedule. As a result, your role as an entrepreneur becomes really flexible. Because of that, you still have more time to work other than your business like being a nurse in nursing homes for adults, maternity homes, and other medical facilities.

However, when starting a business, you still have to take into account things other than the advantages of entrepreneurship. You should take heed of certain disadvantages and possible problems that may occur when establishing a business.

1. Nursing Business Needs Experience

You have to remember that managing and handling a business needs enough experience. Do not venture into any kind of business if you are not 100% sure of what you’re going to do. If you know someone who has already run a business that matches yours, you can team up with him or her to ensure a more firm and stable business.

2. Funds

Of course, you cannot start a business without money and capital. Make sure you have enough funds to offset any shortage that may occur and to pay future expenses you will need to improve your business

Travel Nursing: A Unique Career Path for Nurses

Aside from being an entrepreneur nurse, another possible option for nurses is travel nursing. As the name implies, travel nurses are nurses who travel a lot and go to new and different locations to provide their service to their clients. Since this job is highly compensated and could give some a unique life experience to travel in many places with all the travel, housing, as well as health and malpractice insurance and costs paid, travel nursing has become an alluring career path for many nurses.

If you’re thinking of shifting into this career path as a nurse, here are some things you need to consider first:

• The hours, responsibilities, required skills and salary- If you do not want to regret in the end, you have to know these things before signing any contract.

• Network roles – Contact other travel nurses you know and ask them about their experiences in their work. You can also inquire to the most credible travel nurse agencies in you location about the nature of travel nursing.

• Your dedication to get the job – Traveling could be enticing since you will be able to see new places; however, also consider your comfort and convenience with short assignments and frequent change of residence.

• Weighing options – If you’re still unsure about travel nursing, you can consult a healthcare staffing agency to enlighten you about the pros and cons of this nursing career. Tell them your options, your motivation, your hesitations, as well as the benefits and disadvantages you consider about travel nursing. Doing so may help you make a decision about this new venture.

What Should You Ask Your Contractor About Your Bathroom Remodel?

One of the best ways to make a noticeable change in your entire home is to remodel one or more of your bathrooms. Although the process may seem a little intimidating at first, you can make everything go as smoothly as possible by asking the right questions before you get started. If you want to avoid unnecessary interruptions and confusions throughout the process, you will to make a list of important points to discuss with your contractor before they even start the job. Here are a few things that you should talk about:

What Type of Remodel Do you Want?

Before you even pick up the phone to start shopping for a contractor, think about what type of remodel that you want. A simple remodel can consist of a new coat of paint and new fixtures, while a complete bathroom overhaul is much more extensive. Decide how extensive you want your remodel to be, determine your budget and then call your contractor to talk about the specifics. They will be able to help guide you through the process from there.

How Much Will It Cost?

While this is a very important aspect of conducting a remodel, you should always make sure to balance cost with the quality of your contractor. You will want to choose someone who is reliable, skilled and has extensive experience working with bathroom remodels. That being said, make sure that you talk with your chosen bathroom remodeling company about the total cost of the project. They should be able to provide you with at least a very close estimate to what the total cost should be. Some will even provide you with a firm bid after doing a full assessment. Always be up front with how much you have to spend on any given project, so that you can be on the same page from start to finish.

How Long Will It Take?

In addition to a cost estimate, you should also ask your builder for a time estimate. While a simple bathroom remodel could take just a few hours, a total overhaul could take several weeks. Because the bathroom is a very important room in your home, you will want to have a fairly clear idea of how long it will be until you can use it again. After you have an idea of how long it will take, come up with a plan to make sharing the other bathroom or bathrooms in your home much easier while you remodel.

In the end, completing a hassle free bathroom remodel relies on constant, clear and honest communication from both you and your contractor. To make sure that you are getting what you want, at a price within your budget, you must communicate these needs to them. Because your bathroom is such an important room in your home, you can’t afford to be vague, unsure or silent about any of the aspects of the remodel. If you follow these tips, and work closely with your chosen remodeling expert, you can expect a bathroom remodel that meets your expectations from start to finish.

Payday Cash Loan – A Short Term Solution For Getting Cash Fast

The payday cash loan is for anyone who maybe in an unexpected financial crisis and needs some cash desperately. The lending institution will advance cash that is to be paid back with your next payroll check.

Online No Fax Payday Loan

The entire idea behind the online no fax payday loan may seem very simple, but there are serious considerations that should be dealt with before hand. One of the most important considerations is to look for the best lenders out there. You can simply use the internet and do a personal search for them. There is every bit of information you need about this topic on the internet. Make sure that the people you are borrowing from are reputable and have no underhand dealings in their business. Always read the fine print.

Another important fact before you take the advance payday loan that needs clarification is that the company states in very clear terms the fees, APR and any other cost that will be inferred. The APR is known to go as high as 400% and should be seriously considered before you opt for it. The cash advance will be made to your account despite the bad credit history that you may be having which may be keeping you from borrowing from reputable firms. Payday cash loans are a good way to tide over emergency situations and make life easier for the time being.

Fax Payday Loan

Once you fill in an online application for your payday cash loan you will need to submit your documents. This is generally done through fax. The documents that you will need will vary from your personal identification to your bank account details. This is called the fax payday loan. However, more and more people are opting for the lenders who provide the facility of a no fax payday loan.

Though this form of credit is your best bet if you have an unusually bad credit score, you should realize that this form of borrowing only increases your liability and debt. It should be avoided as far as possible. Payday cash loans is for those people who live from paycheck to paycheck is a myth that has long been exposed.

It is now being universally accessed by many in the USA for various purposes other than paying bills. Before Christmas last year, about 10 million Americans opted for this loan and within a year, the number of outlets lending these loans has doubled.