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Stop! Turn off your cell phone.Quit tweeting and texting for the next 4 minutes. Grab a cup of coffee.Shut the door so there are no distractions. This is that important!Because I’m about to reveal to you the greatest secret to getting a business loan for as much as $25,000, $50,000 or even $250,000 – even when the bank says “NO!” and even if you don’t have perfect credit.I have to warn you though… Don’t pay attention to the credit card companies. Forget everything you’ve heard. You can actually hurt your chances of getting the small business loan you need if you follow their advice.It’s true. Why? Because they’re more concerned about raking in record profit margins and reaping huge bonuses! They don’t care about your business or if you get a business loan.Credit cards companies want you to keep piling up debt on your high-interest personal credit and hold you personally liable for your expenses.Do you think they really care if it takes you 10, 20 or 30 years to pay it back? Or if lowering your spending limit for no good reason has affected your business? Or if your personal credit is destroyed while you try to build the business of your dreams?Of course not. Not when it means more money for them! And let’s not leave out the banks. Business lending is at all-time lows. Think they’re interested in taking a risk, however small it may be?The secret… How to get a Business LoanBut there’s a little known secret that most small and mid-size business owners don’t know about. Heck, even most credit card companies don’t advertise it. I didn’t even know about it and I’d been running businesses for years!Accountants I’ve used for years weren’t aware of it. Lawyers who I’ve paid up to $700 an hour didn’t know about it. But I’m about to reveal it to you right now and it won’t cost you a penny…I’m not going to make you read every word of this or make you jump through hoops to get the secret. I know you’re busy so I’m going to give it to you right now and then explain how to make this secret work for you.Here it is: You can get a small business loan. Usually reserved for large corporations, there’s a 7-step process for small and mid-size business owners to get the business loan they need without a traditional personal guarantee.Mystery solved! More about that in a moment…Whether you’re looking for a start up business loan, have an existing business or if you’re buying a business or franchise, you can now access working capital.Don’t have perfect personal credit? No problem.It doesn’t even matter if you have less than perfect personal credit. You can still get business financing, whether that’s a merchant cash advance, or business loans with bad credit.That’s right. You no longer have to rely on your personal credit to finance your business. You can rebuild your personal credit and create a business credit profile to get the business loan you need to grow your business.Imagine not relying on just personal credit cards to finance your marketing, purchase inventory or pay for expenses… sleep easier every night knowing one misstep won’t cost you your family’s home… and get access to much needed working capital so you can expand. That’s a dream come true for many business owners I work with, especially right now.Does this sound familiar?”We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… “blah, blah, blah!Take one client we’re working with right now. Mike owns a dozen wireless phone stores. This is his most recent venture after successfully running other small businesses for more than 30 years. And just like he’s always done, he financed his inventory with his American Express card.Every month he bought $50,000 worth of inventory, sold it and paid it off before the end of the month. But just a few months ago, his purchase was declined. American Express reduced his credit limit from $50,000 to $30,000 without any notice – not because of anything he had done.The only response he got went something like this: “We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… ” blah, blah, blah! So he had to scramble to find other ways to finance his inventory. A short while later his $30,000 inventory purchase declined. Why? Because his credit limit was reduced to $20,000. Then his credit was squeezed again to $10,000.It gets worse. As his credit is getting squeezed American Express is reporting to the other credit bureaus that his credit is being reduced so they also follow suit.Meanwhile, the amount of debt as a percentage of his total available credit or what’s called his debt utilization rate increases. This is one of the most important indicators creditors look at when evaluating a credit score – and Mike’s personal score was dropping like a brick.When he came to us, we immediately showed him how he could separate his business credit from his personal credit and his first reaction was, “I didn’t know I could do this. Are you telling me that I could have been building business credit and may still be able to get a small business loan?”The answer is, “Yes!”We’re working with him to help him and he’s borrowed $100,000 that does not have a traditional personal guarantee.You really can get the funding you need without putting your personal credit at risk.I’ll show you how in just a moment. But first I think it’s important that you know a bit more about me.I own a firm that specializes in helping business owners get the business loans they need to finance their businesses without sacrificing their personal credit.If you’re like me you probably thought business funding wasn’t even an option.As a small business owner (prior to starting my own financing company), I personally guaranteed everything because I thought that’s the way it was done. I even prided myself on how well I did it while growing my Internet marketing business. I started with a $5,000 line of credit on my American Express and I played the 30-day float. Over time, I was regularly spending $300,000 on my card – every month!If anything went wrong the expenses would have crushed me. I didn’t have that kind of money to cover the costs! Fortunately, I was lucky enough to avoid disaster.

Urban fashion trends have been around for the better part of a decade, and they don’t show any signs of going anywhere to soon. Instead, they seem to simply evolve; from the bright colors and bling bling accessories of the hip hop style to a more understated and profession urban fashion trend of today. When urban style first met hip hop culture in the 1980′s, the trend leaned toward bright, bold attention-getting garb that was particularly enticing to the African American and Latino cultures. Today, youth from all cultures are discovering the attraction of current urban fashion trends, as a way to break with the mainstream fashion with this teen fashion design and still fit in well in the academic and professional world.Characteristics of Urban Style The urban fashion trends of today lean toward comfortable style with a touch of spirit. Bright colors and tailored pieces with a cleaner, more professional look have come into vogue. While flashy jewelry is still worn by some, others have moved away from these sorts of urban fashion trends to protest the materialism that the looks suggest. The designer labels that used to be a must in urban fashion trends are not as important as they used to be, and some of fashion followers even find them a pretentious reminder of days gone by. Instead, urban outfitters are looking for separates that are basic, inexpensive and fit well.The Rise of Celebrity Wear Many celebrities have jumped on the bandwagon of urban fashion trends by offering their own lines of this clothing. Kimora Lee Simmons came out with the Baby Phat brand that is popular in many specialty boutiques and department stores right now. Russel Simmons introduced Phat Farm, Diddy offers Sean John and Damon Dash and Jay-Z offer Rocawear. This has become a popular urban fashion trend that many youngsters have joined, since they were familiar with the names behind the lines long before the clothing ever came into vogue. However, it isn’t cheap to boast a celebrity name on your clothing tag, so get ready to spend a hefty amount to dress like your favorite stars.Urban fashion trends have come and gone over the past decade or two, but on thing is for sure. This fad has become more than just a fad; it is an entire culture and way of life for many of our youth today. Whether you like the urban fashion trends or would prefer to see them run their course, it appears that this style is going to be around for a good long while.

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The Internet abounds with sites and tips dedicated to saving money on flights and hotels. Even people who don’t exhaustively read up on how to get the best deals typically visit multiple sites before booking a flight. Even hotel booking now typically involve more than just one site as travelers make sure they are getting the best deal.Expedia and other online travel agents’ sites dropping their booking fees was a direct reaction to travelers’ habit of researching flights options on their sites, picking the one they wanted, then booking it directly from the airline to save the $5 fee. It was easy to do, so not surprisingly most people did. Some went even further, using multiple sites and trying to find the optimal day and time to save even more on their flights. This behavior spawned a whole host of “meta search sites” like Kayak.com, looking to make this kind of exhaustive searching easier. The NY Times’ “Frugal Traveler” had a great article on all the best tools and tips for researching travel and getting the best price.But the NY Times article – and most travelers – had no ideas past getting flights and hotels locked in. Despite the fact that the cost of the time a traveler spends in his or her destination often far exceeds the costs of flights and housing, people seem resigned to paying full price.It doesn’t have to be that way. Not surprisingly, the Internet offers a variety of options that a growing number of travelers are tapping into to save on their “destination experience.” It is no secret that individual tours and attractions offer deals on their web sites that are available to anyone who buys in advance. And not surprisingly, aggregators of a wide variety of these type of buy before you fly deals are starting to have a growing presence online.On popular example is Viator.com. This site allows travelers to select from destinations across the world and select from tickets to attractions, tours, events, airport transfers, and so on, often at a significant discount to walk up prices. And travelers might be surprised at the breadth of the offering. Disney, Grand Canyon, Broadway Shows, etc. are all on offer. But so is a Ghost Hunting tour in Edinburgh, skydiving in Australia, kickboxing matches in Bangkok – the list goes on and on.Obviously committing to specific sites and activities in advance requires a bit of pre-planning. This fact alone has been as much a barrier as anything to more rapid expansion of travelers seizing on destination deals. For those looking to save while preserving flexibility and spontaneity, an attraction pass like those offered by SmartDestinations.com could be just the ticket.The company offers a credit card sized ticket in 14 North American destinations that allows the holder to go into most if not all of the main attractions and tours in that destination for one prepaid price. Perhaps best of all, there’s no need to decide in advance what you intend to see. In destinations such as Chicago, Boston, San Diego, and Oahu, the savings offered by the card can be as much as 55% compared to individual tickets, and that’s not counting deals on shopping and dining that are included in the card.So as you plan your next trip, make sure you don’t stop with flights and hotels, but give some thought to the things you plan to do once you get where you are going. You could end up significantly lowering the total cost of your trip with just a bit more effort.

Online payday loans are exactly what it says on the tin. They are loans that you can get till next payday, and you can apply for them online. People who seek them generally have a pressing and urgent financial need that has to be met immediately, and that cannot wait until next payday.Such loans are taken to meet a sudden and unexpected expense, such as an urgent car repair for somebody that relies on their car for their work, or a serious family illness or crisis that calls for unplanned long distance travel. You do not immediately have the finances to cover the costs, and don’t have the time to wait until payday. What do you do?The answer could be an online payday loan, and while the APR (annual percentage rate) for such loans is high, you only have it for less than a month after which it is paid in full in a single payment. Because it is a special type of loan, there are specialist companies that offer them, and also many cowboys that will take advantage of your need if you are not careful.So what are the pitfalls of such loans? Not many if you keep to the agreement, although it is that which could be your downfall. If you fail to repay a payday loan then the penalties can be severe. To understand them you have to understand the initial charges. The fee for such a loan could be as much as $100 on a $400 loan, which means that if you pay it in a month, the APR is 300%.That might sound a lot, but if you are desperate for money, and can easily pay back the $125 on payday, then to you it would be a good deal. You get out of a hole and the lender makes a profit – just what lending and borrowing is all about. If $400 doesn’t seem much, it is not far off the maximum that most payday loan companies offer, and that sum is not always limited by the lending company.Most states have a maximum lending amount for small loans, such as Alabama where it is $500, and also a maximum fee for the loan, such as the 15.5% of the same state. The fee is hardly an interest rate due to the short term of the loan, and some states such as Utah have limits neither on the amount of the loan nor what can be charged for it. D.C. lenders charge 5% on amounts up to $250, although there are some lenders that charge no fee for first-time loans of up to $200.What if you fail to pay at the allocated time? An online payday loan is not like a normal loan, with set monthly payments to be made over a number of years. With these loans you make one single payment at the agreed date and pay off the complete loan. It is not, then, a simple matter of making a double payment next month plus a bit extra for charges, since the loans are not calculated on normal interest rates. What actually happens is more severe than just a simple charge.If you borrowed $10,000 then a charge of £50 for a late payment would not seem much in relation to the original sum borrowed: only 0.5% of the total amount borrowed, and although you wouldn’t like it you might not shout too loud. However, it costs just as much to administer a missed payment on a $10K loan as on a $200, and if you were charged the same $50, that would be an extra 25%. Sounds a lot? It is, but when you consider that your loan is till next payday, or one month, then that amounts to an equivalent APR of 300%!This extra fee is what is called ‘rollover’, and each month you miss then another rollover is applied until you can owe more than twice what you borrowed in a very quick period of time. It doesn’t matter if pay ‘something’. A full rollover is applied because the agreement you made was to make payment in full. It is a ‘payday’ loan, to be paid at your next payday, not a regular term loan.So, while online payday loans can be the answer to a prayer if you are in urgent financial need, you must make the repayment as agreed. Don’t over-borrow, and make sure that the loan is paid first from your wages before any anything else. If you do that then you will be fine, and the online payday loan will work as intended, but if you don’t . . .

A beautiful garden is one of the most sort after additions to any home. A beautiful garden takes many hours of dedication and hard work but can be achieved by not only gardening experts but beginners as well. One of the most important gardening tips for any avid gardener is to have good gardening advice. Below are some basic gardening tips to get you started on creating your dream garden.Gardening Tip 1. Consider your plants health as well as your own. Ensure you keep yourself well hydrated whilst gardening. As most gardening is done in the sun, involves physical labor and is very engrossing, it is easy to work away for hours on end without noticing the time flying by. Keep drinking lots of fluids and make sure you are wearing adequate sun cream and a hat. Your garden will only suffer if you are in bed for a few days with dehydration or sun stroke. Remember, skin cancer is still one of the top killers so dress appropriately.Gardening Tip 2. Design your garden before you start digging. Your time and energy is precious so don’t start digging holes and planting plants without having a garden design first. You may choose to employ a professional garden designer or you may just want to draw your desired garden on a piece of paper yourself, depending on your budget. Either way if you have a plan of what you are doing and what you want to plant where, you will save yourself many back breaking hours digging and planting unnecessarily.Gardening Tip 3. Make a list of the tools and materials you will need. After creating your garden design, list the tools and materials that are required to create your masterpiece. You may need specialist equipment like heavy earth moving machinery that needs to be hired and booked in advance or you may wish to plant exotic plants that need to be ordered and grown specially. You don’t want to get half way through your project only to find you cannot get a piece of equipment on hire for 2 weeks. When this happens it is very frustrating and can sometimes hold up the entire job.Gardening Tip 4. Plan your gardening activities with small tasks and regular breaks.
You will no doubt be full of enthusiasm and excitement about your new gardening project but do not over do it. Gardening is an extremely good method of exercise and is good for your health as you are outside in the sun and fresh air. Make sure you break your activities into small achievable tasks and take breaks in between those activities. This way you will not burn yourself out and your gardening will be more enjoyable.Gardening Tip 5. Use the correct gardening tools for the job. Some gardening tools are designed for specific tasks and can save the gardener a great deal of time. If you need to purchase gardening tools you can compare prices and makes quickly and easily over the internet. If possible purchase tools with long rubber handles as they are easier on your muscles and joints as they are less prone to jarring.Gardening Tip 6. Consider the maintenance requirements of your garden. Before creating your garden you need to decide how much time you want to spend in the future maintaining it. If you want an easy maintainable garden you should investigate ideas like weed suppression methods in your flower beds. This can be achieved by using a special mesh that allows water and moisture to permeate through but doesn’t allow plants (primarily weeds) to grow through. Bark mulch is another good method of weed suppression and gives your flower beds a professional and natural look.Gardening Tip 7. Choose the correct plants for your gardens location. Some plants are very choosey about where they live. Some like hot weather and lots of sunshine, whilst other plants prefer a cool, shaded and moist environment. Before purchasing your garden plants do some research on whether those plants or plant types will grow in the location in which you are going to plant them. If the plant does not like where it is planted it will be stunted in height and of poor appearance and in the worst case will die. Probably not the look you are after.Gardens can become the show piece and social gathering point of many homes and communities. No matter where you live or what type of garden plants you like with some basic planning and design you can create a wonderful garden that you and your family and friends can enjoy for many years to come. The most important thing about creating your garden is that you enjoy yourself whilst doing it.