Many small business owners are looking for ways to increase cash flow and productivity. one way is to use the SBA Microloan program as a practical alternative for smaller projects that can result in some great returns though increased productivity. Higher efficiency ratings and better production can be had if you spend your money wisely. Two of the main areas where this can be done are employee benefits and technology.
Employee benefits in this context are different from health insurance or retirement plans. Your employees are working at a certain efficiency level which can be improved by investing money in their work environment. do they have a break area with available food and beverages? if they are in an office setting is there enough space between them and are the chairs and desks comfortable and ergonomically healthy? Is there sufficient green space and parking available?
When you take out a small business working capital loan with the intent of improving your company, employee environment is an issue that should be looked at and addressed. Technology is another one. you will be surprised at how much your efficiency and productivity can be improved with some simple software upgrades. Data bases, operating systems, internet access and internal networking can always be improved on. Use some of that new capital to upgrade your computer system.
Working capital lenders will ask you when you apply for a loan what exactly you intend to do with it. Expansion is a pretty common reason to borrow as is taking care of existing expenses that you’re having difficulty covering. Improving your existing infrastructure, adding new employee benefits, and upgrading technology are justifications that show the bank you are invested in the future of your company. those who are just looking to make ends meet don’t add a break room and plant trees outside their office.
Once you have made it through your early years and have reached a point where your bank account is flush and your income is fairly steady you’ll want to look for ways to make the company work better. Don’t attempt to expand until you examine the existing structure to make sure it is operating at maximum efficiency. take out a small loan, make the internal improvements, and then increase the size of the company.
NCIS is bringing back some familiar faces in November episodes, including a certain FBI agent, a best friend, and one of the team members’ father. Robert Wagner is returning to reprise his role as Anthony DiNozzo Sr. When will he appear?
Robert Wagner returns
Robert Wagner has been on the CBS drama series twice already as Tony’s father, and though it’s obvious they didn’t have a good relationship growing up (already evident in anecdotes Tony has told over the years), it’s hard not to love when DiNozzo Senior makes a reappearance in his son’s life. though the show is in its ninth season, it’s not slowing down, delivering strong episodes each week and bringing in millions of viewers consistently. It’s the #1 drama on television, and as a thank you, CBS gave fans a treat, tweeting on Wednesday: “#NCIS fans thanks for making us #1. Exclusive news for you – Robert Wagner as Tony DiNozzo Sr will return late Nov!” In that tweet is a link to a photo of Robert Wagner and Michael Weatherly (who played Robert Wagner in the television movie the Mystery of Natalie Wood). Wagner is returning for the episode airing on November 22; what will his appearance bring for Tony this time? Will it reveal something more about his past?
Are you looking forward to seeing Robert Wagner back on NCIS in season 9?
© Meredith Jacobs 2011
You can’t turn on cable television at 2:00pm without seeing a familiar face pitching a confusing product. whether it’s Robert Wagner from Hart to Hart and movie fame, as spokesperson for the Senior Lending Network, Or James Garner working his Rockford Files magic for Financial Freedom, one or the other will host an infomercial just about every afternoon. For the same reason the old adage if you read it somewhere, then it must be true works to influence people, so to do we believe what famous people have to say. from a marketing standpoint, it makes perfect sense. It’s been done for years and it works. It’s especially important for the reverse mortgage industry, which appeals to seniors for the the benefit of it’s products. Seniors often get taken advantage of by products and programs that are more about making money than they are about doing anyone any good.
The reverse mortgage is not a scam though, as some might believe. The product is fully supported by many senior organizations and it’s insured by the US Government. If you can’t trust the Government, then who can you trust? Robert Wagner and James Garner, that’s who. Or maybe Pat Summerall. Now Pat Summerall, sports legend, has joined reverse mortgage spokesperson fray. He doesn’t bear allegiance to any particular reverse mortgage provider, but will support your company as a reverse mortgage spokesperson for a fee. I heard from an industry acquaintance that he charges $7000.00 for a two year agreement. But don’t quote me on that, as I’m getting older and my memory isn’t what it used to be. Perhaps I should become a reverse mortgage pitchman.
All joking aside, the reverse mortgage spokesperson serves a valuable role. He makes a confusing product easy to understand. He (or she) allows seniors to sit back, relax, and absorb the details of the reverse mortgage in the comfort of their home. Heck, if Jim Rockford is talking, I’ll sure listen. The DVD’s and commercials they sponsor are now famous for making the reverse mortgage a palatable financial commodity. If you’re not familiar with the reverse mortgage, I’ll offer a brief description. a reverse mortgage allows retirement aged seniors, age 62 or older, to draw from their home’s equity in the form of a loan. It’s not a normal loan though, not like a home equity loan. The beauty of the reverse mortgage is that the loan does not have to be paid back in the borrowers lifetime (or until the home is sold.) it allows many seniors the additional funds they need for medical expenses, home repairs, or just as an additional income source. Thanks to the reverse mortgage spokesperson, more seniors are earning about, and taking advantage of, this relatively new financial product.