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Getting financial help is arduous for many growing businesses. While credit cards are relatively easy to get and use, it's harder to apply for a loan (so much paper work) and doing a crowd funded campaign is not easy either.
In steps a new service, from SmartBiz (www.smartbizloans.com) by financial services technology company Better Finance, Inc. and SBA preferred lender Golden Pacific Bank.
It's the first fully-online, automated SBA loan program offering low interest rates, an easy application process, and a speedy decision for loans ranging between $5,000 to $ 150,000 to qualifying businesses in all fifty states. With longer repayment terms, low monthly payments, and no penalty for early payoff, SmartBiz lets small business owners keep more of their profit in-house to invest in growing a solid, sustainable business. SmartBiz has been available on a limited basis since late 2013 and has already received over $25 million in applications.
Before applying for a loan make sure you have discussed your overall business with an adviser who can help you understand IF you need the money and help you strategically plan for HOW you'll invest the money.
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earner's examples
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subset: commoncrawl


text:
Definitions of crocus
n. - A genus of iridaceous plants, with pretty blossoms rising separately from the bulb or corm. C. vernus is one of the earliest of spring-blooming flowers; C. sativus produces the saffron, and blossoms in the autumn. 2
n. - A deep yellow powder; the oxide of some metal calcined to a red or deep yellow color; esp., the oxide of iron (Crocus of Mars or colcothar) thus produced from salts of iron, and used as a polishing powder. 2
The word "crocus" uses 6 letters: C C O R S U.
Direct anagrams of crocus:
occurs succor
Words formed by adding one letter before or after crocus (in bold), or to ccorsu in any order:
n - concurs s - succors u - succour y - succory
Shorter words found within crocus:
cor cors cos croc crocs crus cur curs occur or orc orcs ors os our ours roc rocs scour so sou sour us
List shorter words within crocus, sorted by length
Words formed from any letters in crocus, plus an optional blank or existing letter
List all words starting with crocus, words containing crocus or words ending with crocus
All words formed from crocus by changing one letter
Other words with the same letter pairs: cr ro oc cu us
Browse words starting with crocus by next letter
Previous word in list: crocs
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text:
I could write 10 pages on things I hate about clowns. Their creepy, exaggerated smiles. Their booming laughter. Their repeated crimes against fashion: polka dots with rainbow stripes, floppy, red shoes, and blue eye shadow. They elicit fear and anxiety in small children and some adults—feelings of terror that no balloon animal can calm.
Plus: Understanding Childhood Fear of Clowns
But today, I can say that there may be one good thing about clowns: they may help you get pregnant. A recent study in Israel found that women undergoing in-vitro fertilization who were visited by a "medical clown" were 16% more likely to get pregnant than women who weren't given the clown treatment. Immediately after implantation, the women spent 15 minutes hanging with clowns. (In case you were wondering, there's a school in Israel that offers dual-major programs in nursing and juggling.)
Plus: 5 Best Ways to Get Pregnant
The findings suggest that laughter and a reduced level of stress can help boost the chances of an implanted embryo settling in the womb. If clown comedy isn't your idea of relaxation, doctors have also found that treatments like acupuncture can also reduce stress for women undergoing IVF.
I think I'll stick to knock-knock jokes.


text:
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Subsequent Signs reference in list.
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———. 1990b. "Structure/Antistructure and Agency under Oppression." Journal of Philosophy 87(10):500–507.
Entire issue.
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Conference paper
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text:
FAYETTEVILLE – The University of Arkansas softball team is at the halfway point of its fall schedule and carries a 2-2 record after four games. The Razorbacks opened their fall slate Oct. 2 with wins over Butler CC and Evangel at Bogle Park. Last weekend, Arkansas traveled to Norman, Okla., where it dropped both games of a doubleheader to defending national champion Oklahoma.
The Razorbacks have four games remaining on their 2013 fall schedule, split between a pair of doubleheaders against Oklahoma State and Louisiana Tech. Arkansas' doubleheader against OSU is slated for Oct. 20 and will start at 1 p.m. (CT) at Bogle Park. The team will then travel to Texarkana, Ark., for an Oct. 26 doubleheader with Louisiana Tech. Those games will be played at Arkansas High School, also beginning at 1 p.m.
Head Coach Mike LarabeeOn the start of fall competition…"One of our priorities this fall was to strengthen our defense. We've played 26 innings so far and committed just one error. I'm very, very pleased with that. Over the first couple of games, we didn't have any errors, we swung the bats well and the pitching was fantastic. This past weekend, we went over and lost two to Oklahoma but there were a lot of bright spots. Number one, I thought it was humbling to see where we were. You can schedule however you want in the fall but I think it's good for the team to go out and play great competition. We realize we have a ways to go after playing Oklahoma. We only had one error in those two games but I think the highlight for us was the play of our younger players."
On young player responding to tough competition…"I'm very encouraged. Last year, they were watching (Oklahoma) on ESPN win a national championship. They could have gone into those games in awe of Oklahoma but they didn't. They went in like it was any other team. I really wanted to put them in that competitive environment to see how they would react because if they could perform against Oklahoma, they aren't going to miss a beat come February and SEC season."
On work to be done before Oct. 20 doubleheader against Oklahoma State…"We've put a lot of time into the defense because that's been a priority. We'll keep putting in that time but it was evident that we need to swing the bats a little bit more. Looking back at the video, Oklahoma's pitchers did a really nice job of locating their pitches so we'll come back and start swinging the bats more. Hopefully, we'll get the mix and balance of offense and defense."
For more information on Arkansas softball, follow @RazorbackSB on Twitter.


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text:
Major depressive disorder has become the major driver of psychiatry's social success. It is by far the most common diagnosis found in outpatient treatment. Moreover, its incidence is said to be rising at an explosive rate in recent decades, leading to an "epidemic of depressive disorder" in the population at large but especially among adolescents, college students, and the elderly. The World Health Organization has deemed it, along with heart disease, as among the two most disabling conditions in the modern world. All of these trends have been wonderful news for the pharmaceutical industry, for which anti-depressant medications have proven to be enormously popular treatments over the past thirty years.
Gary Greenberg is a practicing psychotherapist and journalist who wrote two engaging articles for Harper's on his experiences in a drug trial of anti-depressants. Manufacturing Depression is a major expansion of these pieces, displaying Greenberg's felicitous and witty writing, skepticism about the widely-heralded view of depression as a "disease," and ability to penetrate to the heart of complex issues without engaging in polemics. In contrast to the now taken-for-granted idea that depression is a genuine illness that often results from a chemical imbalance, Greenberg speaks of the condition as grounded in the human predicament of betrayals by friends and lovers, disappointments in achieving valued personal and career goals, and coming to terms with the inevitability of death.
For Greenberg, depression is "unhappiness rendered as disease." He invokes earlier physicians and psychiatrists such as George Beard and Adolph Meyer, who insisted that depression and its sibling nervousness resulted from attempts to adapt to environmental demands. Greenberg provides the reader with an engaging tour of the history of research on depression and anti-depressants, showing how the claims for the biological status of depression and its treatment through drugs have been grossly exaggerated. Pharmaceutical companies, of course, are mainly behind this phenomenon. They are, however, hardly to blame for it because they are doing exactly what they are supposed to do: generate large profits for their companies and employees. Likewise, therapists also act in the interests of their clients who want their therapy paid for and their distress relieved by prescriptions for drug treatments. Despite knowing that their clients are demoralized or worried about their lives rather than suffering from a disease, they say: "I'll have to tell your insurance company that you have a mental illness." Depression is the category of "mental illness" that best fits the capacious rang of life problems that clients bring to their therapists.
Greenberg skewers current diagnostic criteria that turn depression into a disease isolated from the life situations and meaning systems of patients. He notes that symptom-based criteria can reliably diagnose illnesses that don't really exist and have produced a voluminous literature that doesn't ever mention what being depressed actually feels like. Such criteria situate problems in the language of medicine and science, removing them from social, moral, and religious frameworks that could serve as least equally well to explain the problems at hand.
Greenberg is particularly good at analyzing the history of anti-depressants, which were initially thought to have too limited a market to make them profitable. He provides a wonderful discussion of the similarities of drugs such as LSD and ecstasy to socially approved medications and the efforts of the pharmaceutical industry and psychiatric profession to distance themselves from the uncomfortably close relationship between illegal drugs of abuse and highly profitable anti-depressants. He also astutely scrutinizes the role of the Food and Drug Administration in bringing the SSRIs onto the market, despite the limited evidence of their success. Lest he be accused of focusing too narrowly on the excesses of the drug industry, he is equally adept at skewering the excessive claims of proponents of cognitive behavioral therapy, which in their own way often equal the inflated assertions of the pharmaceutical companies.
Greenberg's major points will not surprise readers familiar with the writings of David Healy, David Herzberg, Edward Shorter, Andrea Tone, Jerome Wakefield, and me as well as a number of other academics who are skeptical of the depression industry. This book, however, aims at the many millions of citizens who are at risk of having their various life struggles labeled as instances of depressive disorder and receiving anti-depressant medications as the cure for their predicaments. This reviewer can only hope that his appealing and humorous – but deeply serious – narrative will engage the large public that he is trying to reach.
Greenberg concludes:
Call your sorrow a disease or don't. Take drugs or don't. See a therapist or don't. But whatever you do, when life drives you to your knees, which it is bound to do, which may it is meant to do, don't settle for being sick in the brain. Remember that's just a story. You can tell your own story about your discontents, and my guess is that it will be better than the one that the depression doctors have manufactured.
These wise words should be pasted on the door of every general physician and psychotherapist.
Allan Horwitz, Rutgers University.
Allan Horwitz is a professor of sociology and the author of many books, including Creating Mental Illness (University of Chicago Press 2001), and The Social Control of Mental Illness (new edition) (EWR Press 2002). He last posted on this blog about the latest revision of the Diagnostic and Statistical Manual of the American Psychiatric Association, the DSM-V.


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Edward Snowden should find another country to seek refuge in, a Russian official said on Thursday, signalling Moscow's growing impatience over the former U.S. spy agency contractor's stay at a Moscow airport.
Deputy Foreign Minister Sergei Ryabkov said Russia had received no request for political asylum from Snowden and he had to solve his problems himself after 11 days in the transit area of Moscow's Sheremetyevo airport.
President Vladimir Putin has refused to extradite the American and Russian officials have delighted in his success in staying out of the United States' clutches since revealing details of secret U.S. government surveillance programs.
(Read More: Austrian Plane Search for Snowden Enrages Bolivia)
But Moscow also has made clear that Snowden is an increasingly unwelcome guest because the longer he stays, the greater the risk of the diplomatic standoff causing lasting damage to relations with Washington.
"He needs to choose a place to go," Ryabkov told Reuters. "As of this moment, we do not have a formal application from Mr Snowden asking for asylum in the Russian Federation."
Ryabkov told Itar-Tass news agency separately that Russia "cannot solve anything for him" and the situation should now be resolved "one way or the other".
His remarks echoed comments by Putin, who has urged Snowden, 30, to leave as soon as he can.
France and Italy, both U.S. allies, said they had rejected asylum requests from Snowden.
(Read More: Putin: Snowden Should Stop Harming 'Our American Partners')


text:
Article shared from Softwood Forest Products Buyers Guide, May/June 2014
By Clare Adrian
Ever so casually, a passenger gazing out the window of a vehicle traveling along one of the three highways circling Auburn, MA, turns to her partner and blurts out, "Honey, we should add a sunroom to the house." The inspiration for such an idea might arise any of up to six days a week during peak season from April through October, when flat bed trailers haul Brady-Built Sunrooms to their destined mooring for installation snug against a house prepared to receive it. It's a sight to behold, the glass structure, delivered in one piece, held together by curving eaves and framing in solid Southern Yellow Pine wood that's been laminated to create just the shape and style desired.
Besides observing the craftsmanship and production process, visitors of Brady-Built Sunrooms discover an efficient and environmentally-conscious operation. First off, the more than 100,000 board feet of lumber ordered annually comes from sawmills that work with tree farms in the Midwest and Southern States, known to replant and not take trees from the wild, to be eco-friendly in every way. The company recycles all sawdust so that none gets thrown out, selling it to companies who use it to manufacture other products or to paper mills. Brady-Built also changed over to using an eco-friendly glue formula, switched to energy efficient light bulbs throughout the factory to save energy, and on the road, combines trips, schedules projects in close proximity, and maintains vehicles in top running condition to limit gas consumption as much as possible.
The majority of customers that do succumb to the potential to enjoy an open view of nature from the comfort of their chosen locale in the New England area and beyond, are the empty nesters, followedby many double income childless couples, and thirdly, the commercial market. Conveniently juxtaposed at the nexus of highways 20, 90 and 290, Brady-Built is located two to three miles from several major cities and on the way to the far reaches of the market spread in the north from Portland, MN, south to Pennsylvania and New Jersey and west to New York State.
"Usually we have 12 to 15 completed built-to-order rooms on site awaiting shipment," said President and General Manager Marco Gabrielli. Larger rooms are shipped in two or more pieces and assembled on-site. Occasionally rooms are shipped in kit form for final assembly at the job site.
It's not hard to be sold on the product. It wasn't for company board member Kevin Kieler. Enthralled with the product after building a room for a Brady-Built board member and adding one on to his own house, he sold his custom home construction business to join the company in 1998. He is one of the five board members that currently run the company. The succession originated with Peter Brady, who founded the company in 1977. Mario Gabrielli, who was running the manufacturing operations, bought the business and assets from Brady in 1999. When Gabrielli passed away in 2010, his son, Marco, succeeded him as president.
Brady-Built Sunrooms absorbed a steady stream of customers until the decline in the building market after 2006 and as of 2012 is seeing its growth pattern turnaround. "The company has experienced the disadvantages and advantages of going through the economic downturns in a time when others haven't survived and have gone out of business," Kieler remarked. "That we made it through is testimony to the quality of the product we build and to the determination of fantastic employees to make it work."
That several employees continue on with the company, some up to 26 years, added Kieler, demonstrates their satisfaction with working conditions and their pride in being associated with the company. "We recognize each person's talent, reward people for the good job well done, remember birthdays and anniversaries, have cookouts and parties and socialize as a company, take the entire company on fishing trips, have lots of perks other companies have done away with to increase the bottom line. Whereas, we think the best assets are the employees and want to keep them." The number of employees fluctuates between 25 to 35 workers, depending on the time of year. Part of the team includes the sunroom designers who work directly with and liaison between the in-house engineers and architectural department.
Though the product is fully customized, they have several starting point sunroom style designs to offer clients. The original style that Peter Brady developed was the curved eave style room, followed by the straight eave style, easily adaptable to the many New England Victorian homes, a more hip style and two story model of it, as well as the newest garden style and a branch into conservatories. Concurrently, the team works with the customer to blend the chosen design with the look of the house and individual tastes which can veer into unchartered territories, remarked Kieler. "Because of our reputation for unlimited customization capabilities we get wild and crazy jobs no one wants to do. Someone brings a picture and says, "Make it look like that," or they have a look in mind that other companies they talked to can't achieve—and we can." Recent wood-framed glass enclosures include a record size one—32′ x 66'— built around a pool that other companies wouldn't attempt, a three-story high enclosed staircase for exposure to sunlight when walking on the stairs, and a building off of a customer's parent's living room that became a mammoth exotic bird cage.
If a little partner persuading is needed or customers simply want a firsthand look at the manufacturing process, a company representative arranges a tour for them of the 25,000 square-foot facility where lumber is loaded in at one end of the long production room and finished product is stored at the other end, inside and out, in a 15,000-square-foot area dedicated to storage of completed rooms separate from the 5,000-square-feet of office space. Only No. 1 Select or Better Yellow Pine 2X4's are used to build frames, which is, affirmed Kieler, "a very durable, terrific wood to laminate with. It's also a strong wood, and when we laminate it into a beam it can take a tremendous amount of wind, snow load and abuse." The Yellow Pine that arrives, pre-dried to 16 percent moisture content ideal for lamination, is moved within the facility using a 10-ton gantry crane that traverses the entire length of the building. A 5-ton fork truck with extended forks is used to move rooms and room parts inside and outside the factory. Once lumber is cut to the prescribed sizes, it's processed through to lamination and beam construction, to assembly and finishing, unique to each job, said Kieler. "The sunroom is customized using impeccable carpentry skills unrivaled in the industry and we are the undisputed king of sunrooms in New England. Putting the components together becomes very specialized and customized with the all glass roof and each room is an individual creation. No two are alike, built with a beautiful signature woodwork finish, joinery, moulding and attention to detail."


text:
Sunday, October 31, 2010
Three years!
For many people, today is Halloween. For Nancy and me it's the third anniversary of the relocation of one of her kidney's into my abdomen where it has dwelt happily an efficiently ever since. Three years! If I had a bottle of champagne in the house, this would be the right day to open it.
My first words today were addressed to the donor: "Thank you, Nancy."
For nearly two years the backbone of my life in so many ways was the dialysis. Everything had to be arranged around those three weekly sessions of blood filtering. Normally this was at the local hospital, but, if I were traveling, sometimes in hospitals or clinics in other countries: Greece, Spain, Italy, England, France, Canada and the US.
Ever since the transplant, I have felt something like Lazarus after being brought back to life by his friend Jesus three days after being placed in his tomb. Of course I had no real death experience, but kidney illness is, even in these days, a close encounter with death.
In case you have never read it, I recommend something Nancy wrote about deciding to make that donation, "Saying Yes" -- see: http://www.jimandnancyforest.com/2009/07/29/saying_yes/
Posted by Jim and Nancy Forest at 2:59 PM
1 comment:
- Marianna & Federico "Freddie" Mejia, Flamenco Romántico said...
You both make me so happy. Freddie and I are so glad that everything is going well. Congratulations to you both. Nancy is one of my heros!
Love you both.
- October 31, 2010 at 8:38 PM
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