Tag: death

Introduction To Types Of Small Business Finance

Missing Spring

The best to place to start looking for small business finance is with the SBA. They have all kinds of financial assistance and grant programs for small business owners. Assuming there’s a need for financing from the commercial market outside of the SBA’s purview, outlined herein are a few basics about the options available to small business owners.

The most basic question that the business owner needs to ponder over is whether to opt for debt financing or equity financing. Each has its pros and cons and further sub-divisions in terms of types of financing. Which one is more suitable depends on factors such as the type of business, its age, cash flow and the credit rating and history of the owner.

Debt finance can be a loan, bond or line of credit from a bank or other lenders, or even a simple IOU. It is usually the best option when the business project is very specific and has a well defined timeline. The borrower needs to put up something as collateral as a form of security.

The owner’s credit rating and history will have a big impact on the ability to secure small business financing. The business also has to have a good enough cash flow (or projected cash flow) in order to meet the repayment schedule. It is important for the owner to do some business planning to figure out a feasible repayment period based on cash flow.

With equity financing, the owner offers the investor part ownership in return for cash. It has certain disadvantages such as loss of control, since the investor would like to a part of the decision making process. But unlike small business loans, equity investments don’t need to be paid back with interest, so it makes it easier to run the business.

The equity option is feasible for broad and long-term financing needs which have no specific and immediate timelines for an ROI. To be noted that equity investors seek higher returns, even if it is after a relatively longer delay. The owner is not likely to regain full control in the short-term and probably not even in the long term.

Equity investment can in the form of individual investments made on a personal basis by the owner, friends, family, colleagues or angel investors. It could be funding provided by a venture capital firm. Equity financing is more focused on the success potential of the project and does not require the kind of guarantees or collateral required for debt financing.

As mentioned above, the decision on debt vs. Equity will depend on the type of business, its current situation and the owner’s credibility. Too much debt is not good for the business, and neither is losing control entirely to equity investors. The right balance needs to be found, and this debt-equity ratio is different for different kinds of industries.

On a related note, it helps to have more options on how to use it to maximize the impact of the financing on the business. For instance, instead of purchasing equipment outright, it might be beneficial to consider equipment leasing finance. There are many more such things that need to be considered, and it is best to consult a lawyer or trusted banker for more information regarding suitable options for small business finance.

Analysis of the Writings of Kurt Vonnegut

Qoʻqon UZ - Dakhmai-Shokhon 07

Kurt Vonnegut is an American writer-famous for his novel-Slaughter House. He belongs to the generation of modern novelists.

Where We Live

In the narrative ‘where we live’, the writer introduces us to the rustic village called Cod Bay. There is an old library there and a salesman tells the librarian that the Britannica volume is worn out, an old one belonging to the era of 1938. He urges them to purchase a new one.

Harrison Bergson

Harrison Bergson is a writing piece about two people watching television-Hazel and her father Harry. Bergson had been out of prison. The people in the narrative are very emotional and get to talk about the mundane things of life.

Who am I this time?

The author has to take up the role of a theatre director. He discusses with the actors about real life situations which they could adapt in the play. The language that is used is the one of minimalism.

Welcome to the Monkey House

There is a discussion about birth control and ethical suicide as the population of the world is burgeoning. The writ-up is highly exaggerated and too difficult to believe.

Long walk to forever

In this article there is a description of a man and woman who had grown up together. They later meet and the man who is in the army comes to know that the woman is getting married. They have a walk and sort out issues and become reunited as a happy couple.

The Foster Portfolio

In the Foster Portfolio, the protagonist is an avid stock broker and he strikes a deal with a rich buyer named Henry. He is convincing and persuasive and he strikes a ton of a deal.

Miss Temptation

Miss temptation is a description of a voluptuous lady Susana. There are many lechers who stalk her. The story describes the beauty of the woman in ironic humor.

All the King’s Horses

All the King’s Horses is a story of an imprisoned American colonel and his wife. The enemy’s lieutenant engages in a sadistic conversation. He has got an inflated ego and hatred for the Yankees.

Tom Edison’s Shaggy Dog

Tom Edison’s shaggy dog is a writing that focuses on a Labrador. The dog is sensitive and intelligent and the dog always hangs his wet nose on the owner’s ankles. The narrator thinks that the dog had taught him a trick or two about casting winning lots in the stock market.

New Dictionary

In the New Dictionary, the author narrates his fascination about searching for new words in the lexicon. He favors the unabridged one over the abridged one. Dirty words are a treat for the author, a surreal divine forest.

Next Door

Next door is meat that describes a wall separating the dwellings of two families. There is a meek description of family life.

More Stately Mansions

More Stately mansions are a frigid narrative about the life of an aristocratic people. There is a lot of telling about the dwellings in the mansion, its decorations, and its furniture. One can’t be too impressed with the writing.

The Hyannis Port Story

The Hyannis Port Story is a literature in which the protagonist encounters a Commodore. Daily life is thumbed in vigorous prose.

DP

DP is a moving tale that describes an orphanage run by nuns. The children there come from all nationalities. Many of the children are going through an identity crises. They feel the loss of having been abandoned by their parents.

The Barn House Effect

In the Barn House Effect, the author describes the powers of the mind which he defines as dynamo-psychism. The powers of the mind like clairvoyance, telepathy and exist as a hypothetical conjecture.

A Brief History of Rock and Pop Music

Wandering through the Garden

You may be wondering when exactly did rock/pop music begin? There’s no clear answer to this. Some might say that it started with the advent of rock n roll with Bill Haley and the Comets in 1952. Others would say Elvis, although not the first but surely the original truly global superstar. Yet none of these were really the first. Rock n roll has its roots in blues which has its roots back to the 19th century with black immigrants trying to escape from their slave driven lives. Fast forward to the early 20th. century and some of the earliest recordings on 78 began to appear. Players from this time such as Bobby Jo and Robert Johnson helped to form the structure of early blues

Robert Johnson had recorded only thirty songs during his short life as he was prevented from achieving true fame while alive by being poisoned by a jealous husband. He died shortly before he was being sought to appear at the ‘Spirituals To Swing’ concert in 1938 by record producer John Hammond. As a result, his reputation only took off after Hammond released an album of his recordings for Columbia in the early sixties. Later blues exponents like Muddy Waters and Eric Clapton admitted borrowing heavily from these early stalwarts.

In the 50’s, artists took the basic blues style and used electric guitars, drums and double bass for the first time creating early rock n roll, later known as rockabilly. Stalwarts like Chuck Berry, Buddy Hollie and Jerry Lee Lewis were the most famous protagonists here. Later Elvis in the US and to a lesser extent, Cliff Richard (later leading the Shadows) in the UK brought rock n roll to a truly worldwide audience. This paved the way for the 60’s beat era which could be considered the true beginning of pop music as we know it today, certainly as far as bands were concerned.

In the 50’s and early 60’s, it was mostly lead solo artists with just a backing band. With the advent of the beat era, bands dominated with The Beatles, The Rolling Stones and the Beach Boys from the US taking the world by storm. Even so, The Beatles later admitted being heavily influenced by those earlier rock n roll and blues artists. They mostly played rock n roll and blues covers at their pre-fame Hamburg concerts. in the early 60’s. The Beatles however, were the first band to successfully blend classical music textures with rock n roll to form perfectly crafted pop songs. While bands like The Rolling Stones continued with the mainly rock n roll theme,

The Beatles took their finely crafted style further in the seminal album ‘Sgt. Pepper’s Lonely Hearts Club Band’ in 1967 by utilizing new studio techniques and instruments never used before. They used a new instrument called ‘the Melotron’ This was basically a keyboard which played looped tape recordings. of real instruments. The most famous sound from this was probably the flute used on the ‘Strawberry Fields’ single recorded at the same time but later dropped from the album. The Melotron though, was cumbersome and unreliable and had a rather grainy sound. Even so It was regarded as the forerunner of the electronic sampler, invented nearly 20 years later. Infinitely more flexible than the Melotron, the sampler helped build the framework for modern pop,dance and R&B music.

The Beatles ‘Sgt.. Pepper’ album with its groundbreaking recording techniques was preceded the year before by their ‘Revolver’ album. These LP’s helped popularize a new wave in music known as psychedelic or acid rock, named after the mind bending effects of LSD drugs. Pink Floyd also recorded their debut album ‘Piper at the Gates of Dawn’ in the studio next door at the same time that The Beatles recorded Sgt. Pepper. It was reported that Pink Floyd were a direct influence to The Beatles as a result. This new style incorporated new guitar effects like Fuzz, flanger anger and delays. These were used along side the earliest portable synthesizers such as the therein and mini Moog. invented by Bob Moog.

In America, the Beach boys responded with the ‘Pet sounds’ LP in 1966 and later that year released the first big psychedelic hit ‘Good Vibrations’. About this time, the band ‘Jefferson Airplane’ recorded their debut album which was also the first LP to come out of the new San Franciscan music scene. This got the record industry’s attention and they had two of the earliest psychedelic hits ‘White Rabbit’ and ‘Somebody to Love’ in 1967.

Meanwhile in Los Angeles, Jim Morrison joined with members of The Psychedelic Rangers and Rick and the Ravens to form ‘The Doors’ They were initially turned down by Columbia but were signed to Electra Records and released their self titled debut LP in 1967. The album included the 7 minute long hit single ‘Light my Fire’ one of the first to break the typical three minute pop and rock song barrier.

Back in Britain, radio broadcasting was very limited because the BBC were the only organization allowed to broadcast on the mainland and had just two pop music shows The Saturday club and Easy Beat Radio Luxembourg partially filled the gap but it was left to pirate radio, broadcast from ships out at sea with DJ John Peel’ which enabled the new style to reach a mass audience, often eclipsing the BBC in popularity. The BBC responded in the end with the advent of Radio 1 in June 1967. With the existing labor government making pirate radio illegal in Britain several months later, Du’s like John Peel rather than risk arrest joined radio 1 which had a much more informal and relaxed style as opposed to the staid and conservative approach favored by the BBC until then. This perfectly suited psychedelic pop and rock and John Peel championed this in his late night shows. playing new genres of music and introducing new and unsigned bands in the Peel sessions. He did this for nearly four decades until his death in 2004.

By the end of the 60’s after the break up of the beatles, mainstream music was about to change direction yet again both in style and fashion.

Famous Poets

Famous writer!

Famous poets are writers known for having poetry achievements. Most of these writers are deeply into writing poetry.

All famous poets are not popular well known people. Most people do not know much about these writers. Schools other than colleges may not provide detailed studying on them. Although they may not receive as much attention as people in other fields they should be honored and respected for their poetry achievements.

Most famous poets are authors who’ve had their own poetry book published or have poems in a poetry book. They also have biographies in books and on the internet as well. Emily Dickinson, Louisa May Alcott, Robert Frost and Robert Burns are just some of the many well known poets. Many of the most popular well known poets have died. Theses writers range from the present to dates later than the 1900.

If a person wants to become one of these poets a good place to start is to write a poetry book. The person’s poems in that book would have to be read and liked by readers for that person to have any real chance. Only serious poetry writers are most likely to become one of these poets. Because most people don’t earn much money in the field of poetry a career involving poetry is not something most people consider or want to take a chance in. As poetry continues to grow there will be more poets who become famous through poetry. Unfortunately some writers may only become a famous poet after they’ve died. You can find out a lot about theses writers through books written about these writers in libraries.

Famous Poets

Casa en Macharaviaya (Málaga)

Famous poets are writers known for having poetry achievements. Most of these writers are deeply into writing poetry.

All famous poets are not popular well known people. Most people do not know much about these writers. Schools other than colleges may not provide detailed studying on them. Although they may not receive as much attention as people in other fields they should be honored and respected for their poetry achievements.

Most famous poets are authors who’ve had their own poetry book published or have poems in a poetry book. They also have biographies in books and on the internet as well. Emily Dickinson, Louisa May Alcott, Robert Frost and Robert Burns are just some of the many well known poets. Many of the most popular well known poets have died. Theses writers range from the present to dates later than the 1900.

If a person wants to become one of these poets a good place to start is to write a poetry book. The person’s poems in that book would have to be read and liked by readers for that person to have any real chance. Only serious poetry writers are most likely to become one of these poets. Because most people don’t earn much money in the field of poetry a career involving poetry is not something most people consider or want to take a chance in. As poetry continues to grow there will be more poets who become famous through poetry. Unfortunately some writers may only become a famous poet after they’ve died. You can find out a lot about theses writers through books written about these writers in libraries.

Famous People

tadelloeser ...

Generally speaking, a superstar is someone who seeks media attention and the largest part recently has an vociferous personality. The want to be noticeable is obscure by more or less to be a part of Western culture and more specifically the American Dream as a quantity of accomplishment. A superstar with the aim of shys away from the freely available eye or keeps a very separate secretive life is called a conductor superstar. At the other put an end to of the spectrum, a superstar with the aim of seeks unfashionable publicity instead of him- or herself is often called a media tart, but lone with the aim of uses his or her secretive life as a vehicle instead of enhanced superstar status, now and again desperately, is referred to as media whore. Examples of this are fake or clarify relationships, truth television appearances, superstar nudity and in extreme hand baggage, scandal or superstar sexual characteristics tapes.

There are a broad range of ways make somewhere your home can turn into celebrities, from their profession, appear in the throng media, beauty or even by complete accident or notoriety. Instant superstar is the name with the aim of is used as someone becoming a superstar in very curt era of phase.

Indoors more or less seats, someone with the aim of one way or another achieves a small amount of transient fame through propaganda or throng media, is stereotyped as a B-grade superstar. Often the stereotype extends to someone with the aim of cascade curt of mainstream or persistent fame but seeks to reach or exploit it.

Indoors the 20th Century, the avid freely available lure instead of celebrations and hunger instead of superstar gossip has seen the arise of the gossip correspondent, tabloid, paparazzi and superstar blogging.

Just as lone possibly will turn into a regional or cultural superstar, lone possibly will additionally turn into a superstar in their niche marketplace and hold partial fame apart from it. Stan Lee (best notorious as co-creator of the classic Marvel superheroes) is mostly notorious to comic volume fans and while in last years, he has turned into more well notorious, many outside fandom are still unsure of exactly who he is, other than being a voice.

One possibly will appeal with the aim of all celebrities are niche marketplace celebrities, more or less niches are simply much better than others and many celebrities win fame apart from their niche marketplace as well. A first-rate model can be seen surrounded by the numerous specialized athletes with the aim of are well notorious even surrounded by make somewhere your home who organize not get the gist sports.

What's Creative Writing? Tips for New Writers



Creative writing starts with passion. Therefore, if you want to be a creative writer, the first thing to do is identify your passion. Then write out of your passion. But how? – is what you have to say best suited to poetry, short story, non-fiction article or novel? Your next step is to ask yourself what you love to read. Whatever it is – that's what you could start to write.

Let's say you want to start writing a novel. Think of a phrase that's the perfect title for a book. That could be your starting point. And so now you are on a new threshold.

We can learn a lot from our ancestors. For instance, if you visit the Museum of London's prehistoric galleries, you'll find that Bronze Age people would build their roundhouses with the entrance facing the midwinter solstice. They would then consult their ancestors before making an offer to the new threshold. Now, sometimes modern builders have a comparable ritual – I do not know. But if they do not – maybe they should. And so should those embarking on a long-term building project like a novel. I love the idea of ​​"making an offer to a new threshold." And what I have to say here is like an offering to the new threshold.

First, where do your ideas come from? From life itself, all around you, wherever you are. Ideas fly past, and you catch them. Listen to conversations in every situation. Observe people. Eavesdrop whilst sitting on the top deck of a bus. Have notebooks with you at all times – and keep notes. And if you have a notebook system, you have to build in time to review your notebooks and retrieve your ideas.

Then you have to apply the first secret of writing:

1. Avoid Not Writing – take your craft seriously; believe that what you're doing is of sufficient value that you are going to carve out time for it. Book time for it if necessary – put it in your diary. Get in there and do it. Do not be afraid of the blank screen or blank page.

2. Pay attention to structure – break down the book in your head into an Outline. You could do it on a piece of software like Scrivener, or you could do it through a wall of Post It Notes, or you could plot it on a storyboard; or you could write your novel as a short story first. But realize that you are unique and may have your own special way of working that is right for you. With a novel, sometimes writers find they can not plot too far ahead (though be aware you may have to go back and impose structure later). If that is the case for you –

3. Go on the journey and see what happens . If a character develops a life of his or her own it's a good sign. Some say the characters create the plot. Keep asking why, what, where, how, when.

4. Set yourself a goal of a thousand words per working day, if you respond well to deadlines and schedules. If not write anyway.

5. Do not talk your novel out of existence . Write that first draft. I believe it's not a good idea to discuss the details of your novel with anyone until you've written it. Then you can seek feedback, and redraft, and revise and revise and revise.

Finally, when your book is finished to the very best of your ability and beyond, send it off to literary agents. And be prepared for rejection. Remember – you write because you are compelled to, because you can not "not write". Take note of these wise words from popular author Adrian Plass: "If things fall apart, pick up the pieces and carry on. Do not despair. There are strange things going on behind the scenes."

Reasons Why Learning English is Important

the lonely tree

The English language has been the common language of the world for decades. It is now impossible to find a country where learning English has not become a norm. While there are some people who would like to stick with their native language and who would prefer not to learn English, the benefits of learning and mastering English goes beyond the four corners of one’s own country.

Whenever you wish to travel someplace, you have to communicate. If you don’t know the language of the country where you intend to go, just try speaking English and you would be understood right away. Now imagine yourself traveling to a country, and you don’t know how to speak English. The encounter with a foreigner would be a disaster if you don’t know how to explain or ask questions in English. In effect, if you have already learned English, talking to a foreigner would prove to be an easy time.

The majority of media publications including newspapers and magazines are in English. If you are hungry for information with regards to what is happening at the other side of the world, you can always acquire a newspaper and start reading. But when you started to read the first sentences, there were already some words which you didn’t understand, and instead of reading further, you just set aside the material and chose some other activity. Now, if you have learned English continuously and have become familiar with most English words, you could have finished the whole reading material and have gotten the information that you wanted.

Immigrants also need to learn English especially if they will be working at firms or other companies where English is the medium of communication. Instructions would be clearly understood, and therefore the room for error is minimized. At the same time, an immigrant who would try to explain himself to his boss and co-employees would be clearly understood if he could construct his ideas into a single coherent thought. This can only be achieved by learning English seriously.

For those immigrants who are in the process of looking for a job, a mastery of the English language would put them at a higher leverage compared to those who don’t. Considering that communication is an essential component in a workplace, persons who are able to communicate well using the English language would always have an advantage over others.

The English language plays an important role in all aspects of society, and therefore learning and mastering it would greatly give advantage to the person concerned.

Writing a Cover Letter on a Step-by-Step Basis

Reykholt

You need to do everything by the number. How true can this line ever be? If you're inclined in mathematics just like the accountants you could have agreed with that line. Being a fresh graduate who's not inclined with writing, then writing an accounting cover letter may be that hard for you. So we'll write your accounting cover letter in a step by step process. I am pretty sure that you are familiar with the term marketing? Well in business this means the presentation made for a certain product in order for it to be patronized in the market.

In reality the purpose of accounting cover letter is somewhat similar to marketing, wherein the letter serves as the presentation. But the only difference was that in an accounting cover letter you do not present a product but yourself. If you see advertisements those are forms of marketing strategies, you may not noticed that they tend to exaggerate things; they use bright colors and famous celebrities just to catch the attention of the audience. Obviously you can not apply those in accounting cover letters because the only thing that you can use is the power of words. Yet you just can not underestimate words because if mastered it can be of good help for you in grabbing the attention of your possible employer.

You can actually select from a wide array of strategies that you can use in snatching the interest of your hiring manager. One of the most effective techniques which are often used in accounting cover letters is the proper understanding of the position that you would want to have. It's not showing off when you start through your accounting cover letter to lay your cards. But just make sure that what you are giving out are related to the position you want, because if not you'd only end up being laughed at by the ones who'd read your letter.

Another technique is persistence; let your eagerness to get an interview be seen through your accounting cover letter. Since this is your aim after all, why not make the most out of it. Be firm with what you want and you will most likely get it.

Secrets to a remarkable accounting cover letter

It is but normal for accounting related professionals to have a bit of a hard time in expressing themselves since it is not terribly considered in their field. That's why they end up writing mere babbles which lead to the land of now. Trust me if you're the employer, it's very much understood that you would immediately dump a confusing letter without even considering taking a peek on the resume.

The lesson here is very simple, write in such a way that you would easily understand. Try to draw away from superfluous words that normal readers do not understand, this should be observed for two reasons. One is that you are not writing for a literary competition and the other is that conciseness would be very much appreciated by your prospective employer. So just shelve your deep vocabulary and master using just a conversational language.

It is also important that you maintain a good tone and pacing in your accounting cover letter. Do not let them feel the boredom of computing interests and other formulas. Let them enjoy what your accounting cover letter by adding some hints of excitement.