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• FOREX BELEDİYE OTOBÜSÜ GİBİDİR (Forex Mum Çubuklar – Price Action Candlestick Patterns)
• Nasdaq 100 Lags Peers as AMC Earnings Kick off the Week in Style
• ফরেক্স কারেন্সি কোরিলেশন কী ? How to Use Currency Correlation [ Forex Help BD]]
• Dress for the Job You Want: Looking the Part Matters
• What is Forex Insiders?
• Restaurant Reservation Software Buying Guide
• Exness Forex Trading Broker | Tani Special Message For Pakistani and Indians Traders
• Government Loans for Entrepreneurs – business.com
• $5,700 Profits in 4 Days – Best Automated Forex Trading Robot
• What Is Builder’s Risk Insurance?

FOREX BELEDİYE OTOBÜSÜ GİBİDİR (Forex Mum Çubuklar – Price Action Candlestick Patterns) Posted: 08 Nov 2021 03:28 PM PST Halloween Sale! Buy 1 get 10% off, Buy 2 get 15% Shop Now https://www.dresslily.com/promotion/Halloween-pre.html Hot deals ,ALL $12.99 Hot deals ,ALL $9.99 Hot deals ,ALL $6.99 ------------------------------------ FOREX; BELEDİYE OTOBÜSÜ GİBİDİR !!! (ARZ TALEP BÖLGESİ ÇİZMEK – SUPDEM DRAWING) Forex ve borsada kilit nokta grafiklerde arz talep bölgesini ( supply demand) tespit edip oradaki fiyat hareketleriyle (price action) işlem yapmaktır. Bu bölgeleri çizmek ve işlem yapmak belirli bir matematik dahilindedir. Kuralları ve dikkat edilmesi gereken noktaları vardır. Bu çizimleri yapıp çizdiğiniz bölgelerdeki fiyat hareketlerini grafiklerinizde canlı olarak test edebilirsiniz. Arz talep bölgelerini öğrenmenin en kolay yolu çok örnek görmekten geçer. Faydalı olması ümidiyle… Ücretsiz abone ol : https://goo.gl/QZJh1X https://twitter.com/magic_engulfs Redsword11′ in Başlığı https://www.forexfactory.com/showthread.php?t=230888 Chris Zabriskie sanatçısının Pick Up a Convict on Alcatraz adlı şarkısı, Creative Commons Attribution lisansı (https://creativecommons.org/licenses/by/4.0/) altında lisanslıdır. Kaynak: http://chriszabriskie.com/stuntisland/ Sanatçı: http://chriszabriskie.com/ Para Sihirbazı ( Grafiklerin Dili) video eğitim kanalı ‘nda 2018 yılında paylaşmaya başladığım borsa kripto ve çoğunlukla da forex piyasa analiz ‘lerini bulabilirsiniz. Amacım, forex nedir ikili opsiyon nedir, nasıl oynanır ya da internetten para kazanma gibi arayışlarda olan, yatırım yapmak ve para kazanmak amacında olan sizler için fiyat hareketleri mum çubuklar ve arz talep ekseninde elimden geldiği kadar öğrendiğim teknik analiz eğitimini sizlere ücretsiz olarak aktarmaktır. Konuyla alakalı başka yerde bulamayacağınız yeni sistem ve strateji paylaşımları yapıyorum. Forex ‘te indikatör ‘lerin faydasına inanmayan biri olarak destek direnç hacim momentum testere iğneler bobin engulflar korelasyon formasyon ‘lar vb. ile işlem yapmanın daha kazançlı olduğunu söyleyebilirim. Asıl önemli olan ise disiplinli bir şekilde para yönetimi ve risk kazanç oranını çok iyi belirlemetir. Yeni başlayan bir çok arkadaşın forex piyasasına ilk giren herkesin yaptığı hataları yapmamaları için bu kanal bir yol gösterici olacaktır. Zaman zaman borsa ‘da kayda değer hisse ‘lerinde analizini yaptığım bu kanalda Dolar tl (usdtry) eurusd altın brent wti usdjpy audusd gbpusd gbpjpy eurgbp eurjpy usdcad cadjpy dolar index vs. bir çok parite hakkında yükseliş ve düşüş fırsatlarının paylaşıldığı analizler yer almaktadır. İşin temel analiz kısmı olan Türkiye Cumhuriyeti Merkez Bankası (Tcmb) açıklamaları tarım dışı istihdam (tdi – nfp) işzilik oranları faiz artışı enflasyon federal açık piyasa komitesi tutanakları (fomc) vs. nin fiyatı tetikleyen bir etken değil bir sonuç olduğunu düşünen taraftayım. Ekonomik haberlerin ekonomik takvim ‘in doğuracağı sonuçları mum çubuklarda gizli olan sinyal ‘llerle önceden tahmin edebileceğimizi düşünüyorum. Faydalı olması temennisiyle. İyi Seyirler… #ForeksTeknikAnaliz #ArzTalep #Mumçubuklar UP TO 70% OFF BUY 1 GET 1 FREE UP TO 70% OFF DressLily 9th Anniv Mega sale! Up to 25% off with code: DL9TH from 10th Aug to 18th Aug source Click to rate this post! [Total: 0 Average: 0]

Nasdaq 100 Lags Peers as AMC Earnings Kick off the Week in Style Posted: 08 Nov 2021 03:08 PM PST Halloween Sale! Buy 1 get 10% off, Buy 2 get 15% Shop Now https://www.dresslily.com/promotion/Halloween-pre.html Hot deals ,ALL $12.99 Hot deals ,ALL $9.99 Hot deals ,ALL $6.99 ------------------------------------ Nasdaq 100, AMC, Infrastructure, PayPal, Corporate Earnings – Talking Points Nasdaq 100 falls by 0.14%, lagging more cyclically oriented peers Sentiment remains jovial as Congress passes bipartisan infrastructure bill AMC beats expectations, PayPal results mixed as earnings season rumbles on The tech heavy Nasdaq 100 Index retreated slightly on Monday, lagging behind both the Dow Jones and S&P 500. Tech shares may have felt pressure from selling in the Treasury market, as yields pushed higher after the House of Representatives passed a bipartisan infrastructure bill over the weekend. The Nasdaq 100 Index also came under pressure from Tesla, which declined by roughly 5% following Elon Musk's weekend Twitter pole pertaining to the sale of 10% of his holdings in the company. Nasdaq 100 Daily Chart Chart created with TradingView AMC Earnings Summary AMC, the beloved choice of many "meme stock" traders, posted a smaller than expected quarterly loss after the bell on Monday as the earnings calendar continues to roll on. Shares were down slightly following the beat, as management highlighted that many challenges remain with the pandemic far from over. AMC noted that all of its U.S. locations were open, and 99% of international locations were open as well. Easing of lockdowns and higher vaccination rates saw nearly 40 million people head back to the cinema during the quarter. Despite the influx of moviegoers, the company still posted an operating loss of $224.2 million. AMC Revenues: $763.2M vs. $708.3M est. AMC EPS: ($0.44) vs. ($0.53) est. PayPal Earnings Summary PayPal was another major name to release quarterly results after the bell, with the company posting a top line miss and a bottom line beat for the third quarter. Despite missing on revenue expectations, the company still posted 13% growth from the same period last year. The company also reigned in guidance for the rest of the year, citing concerns to the economic outlook. Despite this, shares were initially higher in the after-hours session as PayPal announced that it is partnering with Amazon to allow U.S. based customers to use the Venmo platform for payment. PayPal Revenues: $6.18B vs. $6.23B est. PayPal EPS: $1.11 vs. $1.07 est. Resources for Forex Traders Whether you are a new or experienced trader, we have several resources available to help you; indicator for tracking trader sentiment, quarterly trading forecasts, analytical and educational webinars held daily, trading guides to help you improve trading performance, and one specifically for those who are new to forex. — Written by Brendan Fagan, Intern To contact Brendan, use the comments section below or @BrendanFaganFX on Twitter UP TO 70% OFF BUY 1 GET 1 FREE UP TO 70% OFF DressLily 9th Anniv Mega sale! Up to 25% off with code: DL9TH from 10th Aug to 18th Aug Source link Click to rate this post! [Total: 0 Average: 0]

ফরেক্স কারেন্সি কোরিলেশন কী ? How to Use Currency Correlation [ Forex Help BD]] Posted: 08 Nov 2021 02:26 PM PST Halloween Sale! Buy 1 get 10% off, Buy 2 get 15% Shop Now https://www.dresslily.com/promotion/Halloween-pre.html Hot deals ,ALL $12.99 Hot deals ,ALL $9.99 Hot deals ,ALL $6.99 ------------------------------------ ফরেক্স কারেন্সি কোরিলেশন কী ? How to Use Currency Correlation Forex Bangla আমার দেখা সবথেকে ভাল ব্রোকার হলঃ ICmarkets : https://goo.gl/g4NYLQ XM : https://goo.gl/2pRPu5 আপনি চাইলে এই ব্রোকার গুলতে ট্রেড করতে পারেন । সব থেকে বড় কথা হল এই ব্রোকার এ ট্রেড করলে আপনি ফান্ড সিকিউরিটি পাবেন । আপনি ভাল কাস্টোমার সাপোর্ট সহ আরো অনেক কিছু পাবেন । ——————————————————————- ——————————————————————- Subscribe Here : https://goo.gl/wsNwkZ Follow On Social Media For Latest Updates Facebook Group: https://goo.gl/otMn3A Twitter : https://goo.gl/4gPe6L Google+ : https://goo.gl/t4NxpT Forex Help BD Apps: https://goo.gl/DRRQN7 Thanks for Watching #ForexHelpBD UP TO 70% OFF BUY 1 GET 1 FREE UP TO 70% OFF DressLily 9th Anniv Mega sale! Up to 25% off with code: DL9TH from 10th Aug to 18th Aug source Click to rate this post! [Total: 0 Average: 0]

Dress for the Job You Want: Looking the Part Matters Posted: 08 Nov 2021 02:06 PM PST Halloween Sale! Buy 1 get 10% off, Buy 2 get 15% Shop Now https://www.dresslily.com/promotion/Halloween-pre.html Hot deals ,ALL $12.99 Hot deals ,ALL $9.99 Hot deals ,ALL $6.99 ------------------------------------ If you're attending a job fair, have an interview scheduled, or are hoping to score a promotion, more than what is on your resume or in your professional portfolio matters. Like it or not, studies show that what a person wears is important to hiring managers and executives.  Why What You Wear Matters Often times, landing a job is all about the initial first impression that you make on a future employer. According to psychological studies published in Business Insider, a person's first impression of you is formed within seven to 17 seconds of first meeting you, and those seven to 17 seconds will account for 55 percent of that person's opinion of you. As such, one of the easiest ways to make those first few seconds count is to be wearing something that is professional. According to the article, opting for something on the conservative side is a good idea. The Effects of Dressing Well Not only does dressing well lead to a more impressive first impression when meeting with potential employers, but it may also have an effect on everything from your job performance to the work of people around you. In an eye-opening study about attire and performance published in the Journal of Experimental Psychology, participants were given a standard, white laboratory coat to wear. Half of the participants were told it was a doctor's coat, half were told it was a painter's coat. Those who were wearing the "doctor's coat" showed a heightened sense of attention, lending to the belief that how a person feels about the clothes that they're wearing could have an effect on the brain. But it's not just yourself that may be affected by the clothes that you wear – dressing appropriately for the workplace also has an impact on co-workers around you, too. In another study, women who wore a sweater with a logo on it received a response rate of 52 percent, compared to non-logo sweater-wearing women, whose response rate was only 13 percent. The study points to the fact that the clothes a person chooses to wear elicit a response from others, good or bad. Choosing clothes that are less distracting, conservative, and modest, but also professional and clean-cut is advised. Dressing well may be important, but is it understood? Most people will acknowledge that dressing the part is important, but knowing exactly how to do that may not be understood. In a study published in the Harvard Business Review, 53 percent of women interviewed said that they felt like what they wore in the workplace was a vital factor in attaining professional success, while 37 percent of the men believed work opportunities, or "executive presence" and attire to be linked. Despite the fact that more than half of women surveyed believe that dressing matters, studies also show that women often have a much more difficult time than men when determining exactly what "dressing the part" means. Women are often told to not blend in, but to stand out; they're told to downplay sexuality, but not forsaken their femininity. While men have a fairly basic dress code to adhere to while at work – a suit and tie should do the trick – guidelines for women are much more ambiguous. For women, a skirted suit, blazer, simple and modest dress, slacks, a conservative blouse, or a sweater are usually appropriate choices. And remember, it's not just clothes that matter – take time to make sure your hygiene is in check, too! UP TO 70% OFF BUY 1 GET 1 FREE UP TO 70% OFF DressLily 9th Anniv Mega sale! Up to 25% off with code: DL9TH from 10th Aug to 18th Aug Source link Click to rate this post! [Total: 0 Average: 0]

What is Forex Insiders? Posted: 08 Nov 2021 01:23 PM PST Halloween Sale! Buy 1 get 10% off, Buy 2 get 15% Shop Now https://www.dresslily.com/promotion/Halloween-pre.html Hot deals ,ALL $12.99 Hot deals ,ALL $9.99 Hot deals ,ALL $6.99 ------------------------------------ UP TO 70% OFF BUY 1 GET 1 FREE UP TO 70% OFF DressLily 9th Anniv Mega sale! Up to 25% off with code: DL9TH from 10th Aug to 18th Aug source Click to rate this post! [Total: 0 Average: 0]

Restaurant Reservation Software Buying Guide Posted: 08 Nov 2021 01:03 PM PST Halloween Sale! Buy 1 get 10% off, Buy 2 get 15% Shop Now https://www.dresslily.com/promotion/Halloween-pre.html Hot deals ,ALL $12.99 Hot deals ,ALL $9.99 Hot deals ,ALL $6.99 ------------------------------------ Reservations are a critical aspect of the dining experience. Online reservation software has modernized itself for the digital age by allowing diners to book reservations at their favorite restaurants online or via an app. Commercial platforms such as OpenTable also allow diners to browse menus, reviews and restaurant photos. Bryan Hooper, vice president of IT restaurant operations and enterprise architecture for Bloomin’ Brands Inc., a global restaurant company that houses notable brands like Outback Steakhouse and Fleming’s, said the company took a hybrid approach to solve its restaurants’ reservation software needs. “Since reservations are a key part of fine dining, Fleming’s has long used a commercial reservation and seating management product that integrates with OpenTable,” he said. “When working through our waitlist solution aimed at our casual dining brands, we included reservation capabilities, which gave us great flexibility. We actually use this with our polished casual brand, Bonefish Grill, that leverages a hybrid of waitlist and traditional reservations.” He went on to say that the company’s other brands moved to a proprietary platform, “since OpenTable access is especially important for Fleming’s, but less so for our casual dining brands.”   Editor’s note: Looking for a restaurant POS system? We can help you choose the one that's right for you. Use the questionnaire below to receive information from a variety of vendors for free: What is restaurant reservation software? Restaurant reservation software is a way for customers to schedule and manage their dining reservations digitally. Additionally, it allows restaurants to customize and elevate the dining experience for their customers before they even walk through the doors. The software is available as either a website or an app. Customers use the software to find availability and make reservations at restaurants online without needing to call. This saves time and resources for both the restaurant and customer.  Businesses can use the software to track and organize their reservations, maintain relationships with their customers, and grow their business by reaching new audiences.  Key factors in choosing online reservation software Competition in the online reservation market is fierce. In a sea of providers that are all very similar, here are six key considerations as you look for a solution: Overall technology integration: How would your website, payment gateway, customer relationship management, inventory management and accounting software integrate with the online booking software? As you adopt more technologies, ensuring compatibility with your booking system, website, CRM and other apps is critical. Certain reservation software allows you to integrate top POS systems, such as Toast, with the app. This streamlines operations by having all your business’s information, inventory, customer data, reservations and reports easily accessible in one place. Not every app allows you to integrate your POS system, so pick the right software for your business based on the programs you already use.  Personalization: “Many of the better products let you collect and leverage customer information to drive a more personal dining experience for your reservation guests,” Hooper said. Brand and website integration: An online reservation tool should feel like part of your brand, not some clunky outsider. Look for web widgets that you can easily fold into your existing website. Overall marketing strategy: If you go with well-known reservation marketplaces, such as OpenTable, you may get leverage in your efforts to increase your incremental reservations. These major players offer several channels for marketing suggested restaurants and more. Customer lifecycle strategy: “Online reservations are just one part of the guest-management story, so think about how this solution fits into your own broader guest visit lifecycle of plan, wait, seat, order, dine and pay,” Hooper said. “Your online reservation system either needs to handle many of the early phases of the guest visit, such as seating management, or integrate well with the system you use to deliver those functions.”  Fees and commitments: As with any new tools, evaluate the cost versus potential gain. Online reservations run the gamut, from membership-style models to ones that charge fees per reservation. Make sure you understand your rights for opting out or switching programs, should the need arise, and find out what support the software provider will deliver if you need it. FYI: In a restaurant technology report published by Toast, 73% of diners agreed that restaurant technology improves the guest experience, and 95% of restaurateurs said it improves their business efficiency. Reservation software features to look for If you are considering purchasing reservation software, you should look for the following features. Email automation: According to reservation software company Bookinglayer, this is an essential feature for this type of software, as tracking your online reservations can become tedious. This is especially the case for the workers who are expected to send emails to confirm reservations, send reminders, and so on.  A calendar: This may seem like a no-brainer, but a calendar makes it easier for diners who are making reservations on your site to check their schedules and figure out which dates and times work best for them. Online payment processing: According to booking company Little Hotelier, you should look for software that allows you to process your restaurant payments online. Otherwise, you will have to find other ways to collect payments, which essentially defeats the purpose of using the software. Advanced reporting: As Little Hotelier also asserts, you want reservation software that offers advanced reporting. This will allow you to create custom reports that show your daily, weekly, monthly or annual performance. It will also allow you to view payments and outstanding payments. Tip: If you want a program that manages more than reservations, consider a complete restaurant management system. This type of software manages staff, sales, inventory and more. Benefits of restaurant reservation software Reservation software benefits restaurants just as much as their customers.  Efficiency: The software can streamline business operations and take over administrative tasks such as answering phone calls and emails, manually managing a waitlist, and, depending on the app, notifying customers when their table is ready. Customer convenience: Customers can schedule their reservation online, use features such as waitlist tracking to see how long until they’ll be seated, manage and cancel reservations to avoid no-shows, learn about new company updates and dining promotions, and review their dining experience. Customer satisfaction: Restaurants can obtain customer feedback, track returning customers to customize their experiences, and offer personalized promotions and deals to new or returning diners.  Did you know? In a survey conducted by OpenTable, 30% of Americans said they didn’t show up for a reservation within the past year. Offering customers an easier way to book and manage their reservations online can benefit customers in terms of convenience, but it can also help your businesses avoid no-shows. These programs are some of the most popular restaurant reservation software. OpenTable: This software allows restaurants to keep track of reservations, customers, how many have been served, and so on. You can also use it to manage capacity and provide a better experience for customers. OpenTable’s Connect plan has no monthly fee but charges $2.50 per cover. Its GuestCenter plan costs $249 per month, plus $1 per seated online cover.  Eat App: This table management software is designed for all restaurant sizes. It offers automation services, collects guest data to serve customers better, and easily integrates into existing software. Pricing starts at $119 per month for the Basic plan and $209 for the Pro plan. The premium Enterprise plan’s pricing is available upon request. Yelp Guest Manager: Formerly known as Yelp Waitlist, this app allows users to easily make reservations while also helping restaurants to keep track of everything their customers are booking. It is straightforward to use and easy to train staff on. In addition, it has excellent features for businesses, such as automated text alerts to customers when their tables are ready and predictive wait-time trackers. Yelp Guest Manager costs a flat fee of $249 per month.  Yelp Reservations: This software provides everything necessary to manage the front of house for your restaurant. You can handle reservations, assign and rearrange tables, and more. It also offers live support for those who may have trouble learning how to use the software. Like Yelp Guest Manager, Yelp Reservations charges a flat fee of $249 per month to access its online reservation and waitlist management services.  Resy: This reservation app offers several tools for businesses to customize the user experience and help their restaurants stand out. The Resy At Home feature allows businesses to create virtual and pop-up events to boost revenue. Resy also enables restaurants to customize confirmation texts to customers who book using the service. It can also integrate with numerous POS systems. Resy offers multiple price options, with the Basic Platform starting at $249 per month. The Pro Platform 360 offers customizations and support for $399 per month. The Enterprise Full-Stack Platform is available for $899 and comes with added custom metrics to learn more about your customer base.  Tablein: This app is designed for smaller businesses and offers scaled-back options that are great for businesses looking to modernize administrative tasks. Customers can book a table and use the app to receive a notification when their table is ready, allowing businesses to turn over tables faster and avoid customer complaints due to wait time. The cost is $80 monthly for the Basic Tablein plan, which enables up to 150 table reservations per month. For unlimited bookings, you will be looking at $115 per month for the Premium plan. TableAgent: This software is excellent for small businesses that want a program for basic reservation management. TableAgent allows customers to book reservations, access existing reservations, and make changes from any device. It does not include as many features as its competitors, such as POS integration or floor plan arrangements, but the software is free, with no monthly fees or installation costs.  Business.com editorial staff contributed to the writing and reporting in this article. Source interviews were conducted for a previous version of this article. 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Exness Forex Trading Broker | Tani Special Message For Pakistani and Indians Traders Posted: 08 Nov 2021 12:21 PM PST Halloween Sale! Buy 1 get 10% off, Buy 2 get 15% Shop Now https://www.dresslily.com/promotion/Halloween-pre.html Hot deals ,ALL $12.99 Hot deals ,ALL $9.99 Hot deals ,ALL $6.99 ------------------------------------ Exness Forex trading broker is one of the famous trading broker specially in Pakistan and India. Many traders use EXness Trading broker for cent and ECN Accounts. In this tutorial Tani Special message for group traders. open account, deposit , withdraw and verification of Exness review information in Hindi and Urdu by Tani Forex. For more information must visit http://taniforex.com/ UP TO 70% OFF BUY 1 GET 1 FREE UP TO 70% OFF DressLily 9th Anniv Mega sale! Up to 25% off with code: DL9TH from 10th Aug to 18th Aug source Click to rate this post! [Total: 0 Average: 0]

Government Loans for Entrepreneurs – business.com Posted: 08 Nov 2021 12:01 PM PST Halloween Sale! Buy 1 get 10% off, Buy 2 get 15% Shop Now https://www.dresslily.com/promotion/Halloween-pre.html Hot deals ,ALL $12.99 Hot deals ,ALL $9.99 Hot deals ,ALL $6.99 ------------------------------------ Financing is an essential step for any business, whether it’s finding investors or taking out a loan. Entrepreneurs who need a loan might automatically look to a bank, but there is another major source of capital for businesses: the federal government. Several loan programs are available to startups and growing businesses. Understanding which ones you can take advantage of might be the key to unlocking additional capital for your business venture. Here’s a look at some federal loan programs, how they work, and how to qualify and apply for them. What government loans are available to entrepreneurs? Government loan programs are available through the federal Small Business Administration (SBA) and the U.S. Department of Agriculture (USDA) for qualifying businesses that intend to use the funds for specific purposes. “The main benefit of these loans is they offer small businesses the opportunity to receive financing on terms more favorable than they would otherwise receive with the SBA guarantee,” said Lou Haverty, CFA at Financial Analyst Insider. “In many cases, small businesses could struggle to find any financing for new and unproven businesses without a partial government guarantee.”   Editor’s note: Looking for an alternative to a traditional bank loan? Fill out the below questionnaire to be connected with vendors that can help. The SBA is a primary source of financial assistance for entrepreneurs throughout the country. These loans are provided by banks and other lenders such as community development organizations and microlenders, with the federal government guaranteeing a portion of the loan. The SBA’s Lender Match tool on the agency’s website can help you find a lender. Here are five of the most popular loan programs offered by the SBA: 1. SBA 7(a) loan guarantee program This is one of the most popular and flexible federal loan programs. The 7(a) loan guarantee program is generally used to help finance startups or growing businesses. It can be used to buy land, cover construction costs, purchase or expand an existing business, refinance existing business debt, and purchase machinery, furniture, supplies or materials. The SBA will guarantee up to $5 million for this type of loan. If you’re looking for a loan of $350,000 or more through this program, the SBA will require your lender to ask for the maximum possible amount of collateral to offset the risk of default.   2. SBA 504 loan program The 504 loan program is intended for businesses that will benefit their communities directly, either through the creation of jobs or by filling a much-needed demand in the local market. These loans have a fixed rate and are intended for long-term financing, and the maximum value is set at $5 million. Typically, when a 504 loan is funded, the lender will initially cover 50% of the borrower’s costs at the outset and the SBA will cover 40%, with the borrower responsible for the remaining 10% of financing the project at the outset. The borrower must personally guarantee at least 20% of the loan. 3. SBA microloan program The SBA’s microloan program is often used for short-term financial needs, like bolstering inventory or furnishing office space. The maximum amount for this type of loan is $50,000. FYI: SBA loans can be quite small, sometimes less than $50,000. 4. SBA Express loan program The SBA Express loan program is a good option for business owners who need cash fast, as SBA Express applications are reviewed within 36 hours – though it may still take at least 30 days to receive funds. Loans of up to $350,000 are available to SBA Express financing applicants, but collateral may be required for loans over $25,000. An SBA Express loan can be used as working capital (five- to 10-year term), as a line of credit (seven-year term) or as a commercial real estate loan (25-year term). 5. SBA disaster assistance The federal government’s disaster assistance loan program extends low-interest, long-term financing to renters or property owners who seek to restore their properties to pre-disaster condition. This is useful for businesses that have been damaged as a result of natural disasters. Tip: Don’t think a government loan is for you? Check our recommendations of the best business loans and financing options for small business owners. How to qualify and apply for SBA loans To be eligible for SBA loans, businesses or individuals must meet the following criteria. Location: The business must be located and operated in the U.S. Ownership: It must be controlled by a U.S. citizen or legal permanent resident of the U.S. Classification: It must be a for-profit business in addition to meeting the SBA’s eligible industry requirements. Equity: It must have enough invested equity to operate soundly from a financial standpoint. Business type: It must qualify as a small business, according to the SBA’s Table of Size Standards (which can be found in the Electronic Code of Federal Regulations). Size requirements vary by industry and the number of employees or average annual receipts. The SBA loan application process typically works like this: Business owners first apply for a conventional small business loan (that isn’t backed by the SBA). If they don’t qualify for a loan without SBA backing, the lender can request the SBA guarantee. Borrowers are not permitted to apply for SBA loans directly. [Read related article: How to Get Your Business Loan Application Approved] The USDA is highly focused on rural regions and the agricultural industry, which is often capital-intensive. The USDA maintains several business development grants and financial assistance programs for qualifying businesses. These grants and financial assistance programs can be used for: Business modernization, development or repairs Commercial real estate purchase, development or improvement Purchase of machinery, equipment, supplies or inventory Working capital Debt financing (in cases where such funding would improve cash flow and save or create jobs) Acquisition of a business (again, if it would save or create jobs) These programs include the following seven options. Business and Industry (B&I) Loan Guarantees: Through the B&I program, the federal government acts as a guarantor of private loans for rural businesses, extending the private credit that is available to entrepreneurs in those regions. Intermediary Relending Program (IRP): The federal IRP provides low interest rates to intermediaries that lend to businesses locally to help stimulate local economies and kickstart job creation in rural communities. Rural Business Development Grants (RBDG): The USDA’s RBDG program provides technical assistance and training grants that help develop and expand small businesses in rural areas. Rural Business Investment Program (RBIP): The RBIP supports investment companies based in rural areas to help meet the financial needs of communities in those regions. Rural Economic Development Loan and Grant (REDLG): This program provides funding for infrastructure projects in rural areas through local loans. Those loans are then passed on to local businesses in the community for projects that establish lasting jobs. Rural Microentrepreneur Assistance Program (RMAP): Much like the SBA’s microloans program, the USDA provides loans and grants to qualifying organizations to support their growth and offer training and technical assistance. Value-Added Producer Grants (VAPGs): The VAPG program extends grants to agricultural producers to assist them in producing and marketing new agricultural products. New or disadvantaged producers receive priority in the program. How to qualify and apply for USDA loans To qualify for USDA business and industry loans, businesses or individuals must: Be located in a rural area. Any area other than a city whose population is more than 50,000 or the urbanized area adjacent to that city. Check the USDA’s Rural Business Services Property Eligibility tool to check for eligibility. Be a U.S. citizen or a permanent resident of the U.S. This requirement applies to individual borrowers and businesses. For businesses, at least 51% must be owned by a U.S. citizen or permanent resident. Be an eligible borrower. The USDA considers an eligible borrower to be a for-profit business, nonprofit entity, federally recognized tribe, public body or individual. Have sufficient cash flow. You must have enough money coming in to repay your loan. Have a good credit history. Individuals must have a credit history that spans several years and a credit score of at least 680. Businesses need a history of on-time payments, low credit utilization, and no derogatory marks, such as judgments, liens, charge-offs or bankruptcies. Have a tangible balance sheet equity position. This is the equity on a business’s balance sheet, minus the value of any intangible assets (such as amortized loan costs, licenses, goodwill, customer lists, patents, copyrights, proprietary rights and trademarks). The accepted tangible balance sheet equity position is 10% for existing businesses, 20% for new companies and 25% to 40% for energy projects. Complete a feasibility study. This requirement is for new businesses and must be conducted by an independent consultant. Pledge collateral. You must have property, equipment or other assets of monetary value that the lender can seize if you default on your loan. [Read related article: Unsecured vs. Secured Business Loans] Sign personal and corporate guarantees. The business owner(s) must personally guarantee that the loan will be repaid. Tip: To qualify for a USDA loan, you should also have top business liability insurance. This requirement varies and may include hazard, life, workers’ compensation, flood or other coverage. Some lenders may require that borrowers meet additional criteria to qualify for USDA business and industry loans. The USDA’s Rural Business Services Program Discovery Tool can help you learn more about the available loan and grant programs and program eligibility requirements. Consult your state’s Rural Development Office to start the loan application process. How do these loans work? In most cases, these federal loan programs do not provide financing directly. Generally, the federal government serves as a guarantor of a portion of the debt so that conventional lending institutions such as banks feel more secure authorizing a loan to a business. Through programs like these, businesses that would otherwise be denied funding – because of a lack of credit, an unproven business model or other reasons – are more likely to secure it because banks consider the federal government a reliable debtor. “The SBA and the USDA provide guarantees to banks on a portion of the loan balance with a corresponding underwriting guideline that opens up the borrowing opportunity to a larger group of businesses,” said Bernie Dandridge, SBA and USDA business development specialist at Florida Capital Bank. Businesses applying for the support of a federal loan program will have to engage the appropriate agency and go through the process of applying, which sometimes can take a while. It also means opening your financial recordkeeping to inspection and being prepared to divulge sensitive information to decision-makers within the program. “[Entrepreneurs] should expect a careful financial review and be prepared with their financial documents, including a business plan,” Dandridge said. “They should also understand that working capital and debt coverage are very important components in the evaluation.” Why entrepreneurs should consider a government loan Government loans offer several important benefits. Funding access: One of the most significant benefits of government loans is that they make funding available to entrepreneurs who otherwise might not have financing options.  Easier loan terms: Compared to other types of business loans, government loans often have lower fees and interest rates as well as longer repayment terms. In many cases, your initial down payment will also be smaller, making government loans more accessible than their private counterparts. Easier qualification terms: Although not every entrepreneur qualifies for government loans, these loans often have more flexible terms than bank or private loans. They can be a more realistic loan option for business owners with low credit scores, poor lending histories or minimal proof of business success. Faster funding: SBA loans are often available within one month of applying. The turnaround time for most non-government entrepreneur loans is greater than two months. What to consider before applying for government loans Entrepreneurs entering these programs have some responsibilities to bear in mind.  Informational accuracy First, you must accurately and entirely complete the application process, verifying that all submitted information is true to the best of your knowledge. Be aware that misrepresenting or inflating the figures in a loan application raises a red flag with lenders and often results in a refusal of funds. Loan fees Like most loans, government loans have additional fees. According to Dandridge, these fees could be as much as 3.75% of the guaranteed loan amount. Businesses that qualify for a standard conventional commercial loan are not required to pay such fees.   Documentation SBA and USDA loans are guaranteed by the government, so there’s a lot of documents to fill out and guidelines to follow. You can address this concern by closely examining all your paperwork. With this information in hand, you can then gather it and store it in a convenient location for your application. Geographic limitations USDA loans have population-driven geographic limitations, which means that you simply can’t access USDA loans in some regions. Other entrepreneur loans – such as SBA loans, which have no geographic limitations – may be necessary depending on your location. The final word on entrepreneur loans Planning properly and ensuring you can meet the obligations of a loan guaranteed by the federal government should be your primary consideration before you accept financing. However, if you can reliably service your debt, you should have little to worry about. “As long as you meet your repayment obligations and provide periodic financial reports as required under your agreement, your banker will be your biggest advocate,” Haverty said. “But if you fall behind and your loan goes into default, the … process could end up being more unpleasant than an audit from the IRS.”  Max Freedman and Julie Ritzer Ross contributed to the writing and reporting in this article. Source interviews were conducted for a previous version of this article. UP TO 70% OFF BUY 1 GET 1 FREE UP TO 70% OFF DressLily 9th Anniv Mega sale! Up to 25% off with code: DL9TH from 10th Aug to 18th Aug Source link Click to rate this post! [Total: 0 Average: 0]

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What Is Builder’s Risk Insurance? Posted: 08 Nov 2021 11:00 AM PST Halloween Sale! Buy 1 get 10% off, Buy 2 get 15% Shop Now https://www.dresslily.com/promotion/Halloween-pre.html Hot deals ,ALL $12.99 Hot deals ,ALL $9.99 Hot deals ,ALL $6.99 ------------------------------------ Builder’s risk insurance may sound like a type of business insurance for only contractors and builders, but this isn’t the case. If you’re a retail company, product manufacturer with its own facilities, or a restaurant or food service property owner, you’re a candidate for builder’s risk insurance.  Anyone with a financial interest in the physical property – including contractors, builders, real estate developers, investors and retail companies – can buy this type of coverage from any of the best liability insurance providers.  Learn more about builder’s risk insurance, who needs it and what it covers. What is builder’s risk insurance?  Builder’s risk insurance covers properties at risk for loss and damages during new construction, remodeling or installation. Incurring losses while building would likely delay the project and hurt the budget. In other words, builder’s risk insurance protects the insured against financial losses that arise during construction.  Builder’s risk insurance is broader than standard commercial property insurance, covering a variety of job site exposures, building materials, and fixtures that would need to be replaced or installed if they were damaged.  Tip: In some states, you can add insurance endorsements to your builder’s risk insurance policy to cover testing and risks – such as floods and earthquakes. Contact your insurance agent for information on what’s advisable in your geographic area. Who needs builder’s risk insurance?  Anyone with a financial stake in a property under construction needs builder’s risk insurance. Insurance company The Hartford recommends these parties acquire a builder’s risk policy: Property owner General contractor Subcontractor Lender Architect Tip: Read our in-depth review of insurer The Hartford, which has been named World’s Most Ethical Company by the Ethisphere Institute 12 times. What does builder’s risk insurance cover?  Standard builder’s risk insurance policies cover property damage to buildings and other types of structures while they’re under construction – during installation or amid a renovation. It also covers any equipment and supplies already onsite, on their way to the construction site or at other site locations.  Builder’s risk insurance also helps with expenses that aren’t explicitly construction-related, but occur from property damage. Here are some costs a builder’s risk policy can cover, according to The Hartford’s website:  Lost sales Rental income Additional interest on loans Real estate taxes Costs associated with a delay in construction startup The costs associated with a delay include expenditures, lost business income and a delay in receiving tenants’ rent. A builder’s risk policy would typically cover the net profit or loss – before taxes – that would have been earned or incurred from rental income, and additional expenses incurred.  The Hartford points out that every construction project is distinct, so builder’s risk policies will be tailored toward your project. Many insurers will customize a builder’s risk policy with coverage extensions to fit your project’s needs. The Hartford notes the following as common extensions: Scaffolding Construction forms Temporary structures Debris removal and disposal in the event of a loss Pollutant cleanup Additional builder’s risk policy coverage options Builder’s risk insurance policies can vary beyond standard coverage with common extensions. Some insurers include these add-ons:  Legal and accounting fees Interest on money borrowed Extra construction costs Realty taxes and other assessments on the construction site Architect, engineering and consultant fees Insurance premiums Title fees Additional refinancing charges Extra bond interest Added debt service payment Additional construction loan fees  Be sure to compare policies from various insurers and speak with an insurance agent to obtain the coverage that best suits your needs.  What does builder’s insurance exclude?  It’s essential to be aware of what builder’s insurance doesn’t cover. These policies generally don’t cover areas known to be vulnerable to earthquakes, floods or wind. However, you may be able to add extensions to your policy to help insure projects that face perils related to these zones.  Exclusions vary by policy, but these are some primary builder’s risk insurance coverage exclusions:  Defective workmanship and materials Inherent vice, wear and tear Settling, cracking, shrinking or expanding  Flood and earth movement  Pollution Acts of terrorism and war Employee theft Rust and corrosion Mechanical breakdowns Damage due to faulty design Planning Engineers What are complete, limited and broad exclusions? Generally, builder’s risk insurance exclusions fall into these three categories:  Complete: The loss is entirely excluded from coverage. Limited: The loss is excluded from coverage, but certain specified causes of loss resulting from the initial damage or loss are covered. Broad: The loss is excluded, but losses resulting from the initial loss are covered. For example, a builder’s insurance policy wouldn’t cover a fire, but building losses from a fire triggered by an earthquake can fall into the limited or broad categories. Be sure to check your policy specifics and the extent of its exclusions. What are faulty workmanship exclusions? Real estate attorneys say faulty workmanship exclusions are perhaps the most controversial – and most relied upon – builder’s risk policy exclusion, especially since a construction project has a high probability of error. This aspect of builder’s risk exclusions is notable because, according to a national survey from the Associated General Contractors of America, 80% of contractors report difficulty finding qualified craft workers to hire. Because it’s so difficult to find qualified craft workers, expect this risk trend to continue.  Generally, builder’s risk policies exclude costs incurred by repairing a subcontractor’s faulty work, according to The Hartford. However, the insurer notes that “policies with an ensuing loss provision may cover the resulting damage to other property caused by the faulty work.”  Legal experts say that under an ensuing loss provision, damage that occurs before and due to faulty workmanship may be covered. However, you need collateral or subsequent damage to trigger coverage with some builder’s risk insurance policies. Others require that a separate peril cause the damage.  Faulty workmanship exclusions are known to be controversial, so make sure you’re aware of your policy’s specifics.  FYI: Standard builder’s risk insurance policies exclude payment for workers’ injuries. If someone is hurt during construction, this would typically fall under workers’ compensation insurance. What should you look for in a builder’s risk insurance policy? Whether you’re working with a new insurer or dealing with a company with which you already have a business owner’s insurance policy, general liability coverage, or professional liability coverage, you’ll need to work with your representative to ensure there are no coverage gaps. Like standard insurance policies, a builder’s risk insurance policy consists of the insuring agreement, exclusions, extensions, conditions and endorsements.  Based on the above exclusions, it’s imperative that you look for these inclusions or endorsements:  Water-related damage  All stakeholders as insureds Defective work or materials  Earthquake and flood (if possible)  You should also take these administrative areas into consideration:  Coverage start date. Most insurance contracts start on the date the policy is signed, but The Hartford states that “certain policy provisions may restrict when coverage begins for your project.” This is important, especially since you won’t want to start the project without coverage. Coverage end date. Builder’s risk coverage usually ends after the project’s completion. However, other end-date conditions can include cancellation, or when the building becomes occupied or resumes its intended use. Be sure to note the specifics detailed in your policy.  The Hartford recommends considering all your exposures in various construction phases before purchasing coverage. For instance, consider your risk exposure at the construction site, in transit and at a temporary storage site.  The insurer notes that you may have the option to get broad protection for property of all kinds at all locations, or narrow your coverage to specific property and risks.  Bottom Line: When obtaining builder’s risk insurance, review your policy carefully and ensure there aren’t any coverage gaps. How are premiums determined?   Contact an insurance agent or broker to receive a builder’s insurance policy quote that takes all your needs into account. Builder’s risk policy costs vary by project, including the coverage amounts, limits and policy endorsements. Here are some other factors insurers consider when they list their fees:   Construction materials Type of project Size of project According to The Hartford, a good rule of thumb is to choose coverage limits equal to anticipated construction costs. If your construction project has a high cost, it may result in higher premiums.  When considering this type of insurance, you need to read and understand the entire builder’s risk policy: all included coverage, conditions and exclusions. Compare this to your risk management plan, and speak with an insurance representative to address areas of concern.  UP TO 70% OFF BUY 1 GET 1 FREE UP TO 70% OFF DressLily 9th Anniv Mega sale! Up to 25% off with code: DL9TH from 10th Aug to 18th Aug Source link Click to rate this post! [Total: 0 Average: 0]

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