November 2018 - Elementa Silver

Small Business Administration Loans: The Pro’s Guide

Posted on November 30, 2018May 7, 2023 by Ernest Perez

The Small Business Administration (SBA) offers a variety of loans to small businesses, each with its own advantages and disadvantages. Deciding which SBA loan is right for your business can be a challenge – but we’re here to help. In this post, we’ll outline the different types of SBA loans and provide insights into which one might be best for your business. Stay tuned for the pros guide to SBA loans.

What is the Small Business Administration (SBA)?

The Small Business Administration (SBA) is an independent U.S. government agency designed to advocate for the interests of small businesses and provide resources for business owners. Established in 1953 during the Eisenhower administration, it has grown the economy and generated jobs by providing access to capital, counseling, contracts, and other forms of assistance. The SBA also helps business owners find international opportunities by connecting them with organizations that can help with export management or international trade opportunities.

What types of loans does the SBA offer?

The Small Business Association (SBA) provides a range of loan products to suit the diverse business needs of entrepreneurs. SBA loans can be used for a variety of things, such as starting a business or expanding an existing business, purchasing real estate and equipment, or even handling everyday operating expenses. These loans are typically used by small businesses because they offer more favorable terms than traditional bank lending. For instance, SBA loan financing often comes with lower interest rates and longer repayment periods. Furthermore, the application process is designed to be straightforward and requires limited collateral in comparison to regular bank loans. By utilizing generous SBA financing opportunities, small businesses have more resources at their disposal in order to meet their financial goals.

How can I qualify for an SBA loan?

The first step in qualifying for an SBA loan is to fill out the loan application. The completed application, along with any supporting documents, will be reviewed by the lender. The lender will then make a decision on whether or not to approve the loan. If approved, the loan proceeds will be disbursed to the borrower.

How do I apply for an SBA loan?

Applying for an SBA loan can be a great way to help small businesses get the funds they need to succeed. The process is relatively easy and straightforward, with four basic steps. First, apply for the loan online or in your local SBA office. Next, submit the required paperwork and documentation. Third, wait for approval from the Blackhawk Bank in Wisconsin & Illinois providing your loan. Finally, accept the loan and start putting it to use! By taking these simple steps as outlined by the Small Business Administration (SBA), you can be on your way to obtaining the much-needed business funds faster than you think!

What are the benefits of an SBA loan over a traditional bank loan?

An SBA loan is generally a better option than a traditional bank loan for small businesses, as it provides additional benefits that are specific to the business. For example, the qualifications for an SBA loan are more lenient than those for a bank loan, meaning that businesses that might not qualify for a bank loan may still be able to obtain funding through an SBA loan. Also, SBA loans come with more flexible repayment options and lower interest rates. As such, these loans can provide much-needed relief to small businesses – particularly during times of economic downturn.

Are there any drawbacks to taking out an SBA loan?

Taking out an SBA loan can often seem like the ideal solution for businesses to secure financing, but there are several drawbacks that should be kept in mind before customers decide to pursue them. Interest rates on these loans can be higher than some of the other options available. Additionally, they come with a long application process and an extensive review period, meaning complex paperwork must be filled out and applicants may have to provide a considerable amount of documentation, such as tax returns or asset lists. It is also important to note that despite being government-backed loans, those taking out SBA loans are still ultimately responsible for repaying them.

In conclusion, the SBA offers a great opportunity for small business owners to fund their businesses with relatively low interest rates, flexible terms, and more favorable repayment terms than a traditional bank loan. In order to qualify, it is important to understand the criteria that you must meet and be prepared with all of the necessary paperwork. Once you have done your homework, you can apply for an SBA loan with confidence–knowing that it may be a great financial decision for your business.

Getting Enough Sleep and Catching Some Zs

Posted on November 28, 2018May 7, 2023 by Ernest Perez

We spend so much time talking about healthy food choices and constant movement that we forget about the other main factor in maintaining a healthy lifestyle. Sleep. That’s right, the answer to everyone’s sleep deprived prayers is here. Everyone should be focused on getting enough sleep! Besides being happy and well rested, getting a sufficient amount of sleep can decrease your risk of high blood pressure, diabetes, obesity, stroke and depression. That being said, making sure that you are checking all the boxes might be a bit more complicated than you realize.

Now, what is a sufficient amount of sleep? Measuring sleep comes down to quality and quantity. Research has shown that most adults need an average of seven to nine hours of sleep and that people who achieve this average live the longest. Oversleeping and undersleeping can have negative effects so it’s best to find the sweet spot for your quantity of sleep and stick with it. In reference to quality, restless sleep, even if you reached the required hour length, is not as beneficial. Recent research proposes that quality sleep removes toxins from your brain that can build up while you are awake. Just like everything, finding your own personal balance is key.

Having enough sleep can provide better immune system

Getting an insufficient amount of sleep is associated with countless problems including Alzheimer’s disease and cognitive declines such as your ability to pay attention, your working memory, reaction time and something we are all too familiar with, your mood. Now if it feels like you can’t remember the last time you got a sufficient amount of sleep, don’t panic. Your health isn’t going to suddenly and dramatically decline. Yes, you will see some of the more common side effects but the extreme problems come after years and years of poor sleeping patterns.

However, there are steps you can take to improve your sleeping habits. You can avoid late afternoon caffeinated drinks and tempting early evening naps. These can hinder your ability to fall asleep. Also, putting electronics away and having as little late-night screen time as possible and being exposed to natural light patterns can help your quality and quantity of sleep increase.

How To Make a Personal Art Collection: 7 Tips

Posted on November 27, 2018May 7, 2023 by Ernest Perez

One of the most rewarding things you can do as an art lover is start your own personal art collection. But if you’re new to collecting, it can be hard to know where to start. Here are 10 tips to help you get started on building a collection that reflects your taste and interests.

Start with what you love

Choosing art that speaks to you on a personal level can be a rewarding experience, no matter what your taste. We all have our own unique tastes in art, whether it’s abstract expressionism or contemporary realism. Taking the time to find a painting, photograph, sculpture, or other artwork that speaks to you about your life and experiences is an important part of self-expression. Going into galleries and shopping online are both good ways to start looking for something special. You’ll know when you find the right piece; it will make your heart beat faster as it helps you tell your story to the world in a beautiful and meaningful way.

Don’t be afraid to mix things up

When it comes to collecting, it can be really fun to mix up the different styles and mediums. Not only can this make for a more interesting display, but you’ll come across new things – and potentially broaden your perspective as a collector. For instance, why not combine an antique painting of an old sailing ship with a modern sculpture of a wave crashing against the shore? Together, they could give an amazing visual about the idea of adventure at sea.

Consider the space you have available

When it comes to decorating a space, one of the most important aspects to take into account is the available space you have. It may be tempting to squeeze in every decoration and piece of furniture that you like, however this can make a room feel overwhelming and cluttered very quickly. A great way to avoid this is by filling any empty walls or surfaces with just the necessities; too much visual noise can be distracting and make it difficult for anyone in the room to relax.

Pay attention to lighting

Paying attention to lighting is an essential element of art. Natural light, like sunlight streaming in through a window, can affect how your artwork looks. Shadows and glares created by the sun should be well considered when placing pieces that rely on accurate colors. Artificial light can also have an impact on the appearance of art – did you ever notice how paintings with dark tones seem much more subdued under fluorescent lights? It’s important to take into account how different lighting sources can change the look of your artwork, and the best way to do this is to take time and observe what effect the light has before you make any decisions about where to hang or display it.

Think about the future

Planning for the future is an integral part of being a responsible and organized collector. When you amass a large collection, it’s possible that at some point you will no longer be able to display it all. That’s why every collector should consider what their options might be at angelos.art/ if they must store some or all of their items away. Make sure that any new acquisitions can fit into long-term storage plans, and research options for climate control and insect prevention to protect your collection from the ravages of time.

Don’t forget about framing

Framing your artwork is a great way to make it look like an extra special masterpiece. Not only does it help to protect the artwork from dust and dirt, but it can introduce or enhance a certain style that may be lost with the art alone. Taking the time to find a frame that complements the natural colors in your work can be incredibly rewarding; even the simplest framing job has the ability to significantly improve how others perceive the overall look of your artwork.

Be careful and responsible

When collecting art, one should be sure to invest carefully and responsibly. There’s something unique and rewarding in collecting artworks with personal significance. Whether the collector is looking to appreciate great works of art from renowned artists or up-and-coming local talent, collecting offers a unique connection for those passionate about the metaphysical power of art. With great care and thoughtfulness, collecting art can provide an enriching experience for many people who may otherwise not have access to many pieces.

As you embark on your adventure of collecting artwork, remember to go at it with intention. Consider the pieces that evoke emotion in you, while also keeping space, lighting and framing in mind.With careful planning and thoughtful selection, your home can be transformed into an oasis fueled by beauty and creativity–one piece at a time. So go ahead and find what art resonates with your soul–you won’t be disappointed!

Foods that Damage Tooth Enamel

Posted on November 27, 2018May 7, 2023 by Ernest Perez

Trying to choose the best thing to eat can be tricky and a little overwhelming at times. No matter what you decide to put in your cart at the grocery store there always seems to be a cautionary tale lurking nearby. Now rest easy, majority of the time if you stick with what you know to be raw and good and in moderation then you’ll be fine. We know that the level of your health can be found in the food you purchase. Just like there are certain things you should avoid to protect your health, there are foods you should avoid in order to protect your tooth enamel as well.

First thing to steer clear of is sticky foods. These include and are not limited to dried fruit, trail mix or sticky candies. These are bad for your tooth enamel because they stay on your teeth longer than other types of food. So, it is good to know the benefits of using Germoloids Ointment and it’s very well explained on true medical site. That doesn’t mean you need to completely erase them from your diet, but just be aware and try to rinse your mouth with water afterward or brush carefully.

The one answer we have all been dreading. Soda, as well as other sugary drinks, can very easily damage your tooth enamel and leave your teeth unprotected. If you are constantly throwing back a sugary drink with your friends; be careful. That sugar mixes with your oral bacteria to produce acids that attack your enamel specifically. Visit https://lacaccidentpros.org/ to find workers comp attorneys in CA. If you do like to drink a lot of sodas then try to drink a glass of water alongside it. This will help balance the acid in your mouth and protect your tooth enamel.

Here’s a tricky one, ice. Our tooth enamel is incredibly strong and our teeth can bite through just about anything but chewing ice may be a form of tooth kryptonite. When you chew on a hard substance like ice it can damage your enamel and ultimately lead to your teeth becoming chipped, cracked or broken.

Products to Protect Tooth Enamel

Get A Move On

Posted on November 16, 2018May 7, 2023 by Ernest Perez

Take a stand for your health! No seriously, stand up. Americans spend on average 13 hours a day sitting. In fact, after spending on average eight hours sleeping, normal sedentary activity comes to a whopping total of 21 hours. If your math skills are up to par, then you know this leaves only three hours for physical activity. Well between you, me and your emotional, physical and mental wellbeing, three hours is not enough to sustain a healthy and well balanced life.

It comes down to one simple fact: we lose our mobility as we get older because we limit our movement. As adults we have three positions: laying down, sitting down and standing up. As we get older our bodies begin to recognize the most common positions and movements in our everyday lives. We sleep lying down at night, sit a chair while we work or study at school and stand while we wait in line for that coffee that keeps us going. The repetition of these same three movements begins to be reinforced by the body because they are recognized as important. However, by limiting our movement and training our bodies to only remember three positions, we lose the other forms of movement that we use to have.

A simple walk outside can boost your overall health

Our culture of proper work and school etiquette has beaten movement out of us. As kids, we are scolded for exploring movement. No running inside, no jumping on furniture, the list goes on. We’ve heard it all before and most likely we’ve said it before as well. To the detriment of our health, it seems like the movement has become culturally unacceptable. When was the last time you stood while you were watching a movie? Or sitting on the floor during dinner? Have you climbed a tree recently? It’s probably been a while. Most likely not since you were younger than 12 years old. In reality, we should still have the same movement capabilities that we did as children.

Luckily, you can teach an old dog new tricks. By increasing our daily movement now and diversifying our positions we can teach our bodies to recognize new positions, making them become comfortable and familiar once more. Work standing up, sit on the floor cross-legged during dinner or lay on the ground while you read. It’s not too late to implement a lifestyle full of motion for ourselves and for our children. The best thing we can do is create an environment that encourages movement.

Cleaning Your House With Vinegar on Almost Any Surface

Posted on November 12, 2018May 7, 2023 by Ernest Perez

In this blog post, we will discuss the many benefits of using vinegar to clean your house. Vinegar is a natural and environmentally-friendly cleaning solution that can be used on almost any surface. It is safe for people and pets, and it is also affordable. In addition, vinegar is a great deodorizer and it can help get rid of tough stains. So what are you waiting for? Start cleaning your house with vinegar today!

Using Vinegar to Clean Different Surfaces

Vinegar is a versatile cleaning agent and can be used on nearly any surface. You can use it to clean bathrooms, kitchens, and other areas of your home with ease. Here’s how you can use vinegar to clean different surfaces:

Bathroom

Wipe down the walls, tubs, shower doors, toilets, and sink using a mixture of equal parts water and white vinegar. To remove tough stains or soap scum, let the solution sit for 5 minutes before wiping away. For extra cleaning power in the bathroom, add 1/4 cup baking soda to 1 quart of water and mix until dissolved; then spray onto the surfaces you need to clean.

Kitchen

Sprinkle baking soda on your counters and stovetop, then spray with a vinegar solution (1 part white vinegar and 1 part water). Scrub the surface with a sponge or cloth and rinse clean with water. To remove stuck-on food from pans or dishes, fill them halfway with equal parts water and white vinegar following instructions from https://www.helpinghandscleaningservices.com/; boil for 15 minutes to loosen up the residue before scrubbing away. You can also use this mixture to clean out your garbage disposal by letting it sit in there for 10 minutes before flushing.

Floors

Mop your floors using a mixture of 2 tablespoons of white vinegar in a gallon of warm water; make sure to vacuum first if needed so that you don’t spread dirt around while mopping. To give the solution extra cleaning power, add a few drops of dish soap and 1/4 cup baking soda.

Carpet

If your carpets are looking dull or dingy, custom cleaning of the treasure coast of stuart experts suggest to treat them with a vinegar and water mixture (1 part white vinegar to 4 parts warm water). Use a spray bottle to apply the solution evenly across the carpet; then use either a brush or vacuum cleaner to loosen up any dirt and debris that has been released from the fibers. Make sure to deep clean your carpets every 6 months for best results.

Furniture

Sprinkle baking soda onto your furniture, then spray with a vinegar solution (1 part white vinegar and 1 part water). Gently wipe the surface with a cloth to remove dirt and grime; then buff it dry to give it some shine. For tougher stains, add 2 tablespoons of dish soap to the mixture and scrub away.

Conclusion

Vinegar is an effective and eco-friendly cleaning agent that can be used on almost any surface throughout your home. Not only is it safe for people and pets, but it is also affordable and easy to use as other locally-made green products. For best results, remember to combine vinegar with other natural ingredients such as baking soda or dish soap when cleaning different surfaces in your home. When you start using vinegar on a regular basis, you’ll be amazed at how much cleaner and fresher your house can be!

Kiss and Tell

Posted on November 12, 2018May 7, 2023 by Ernest Perez

Get ready to catch some cooties. Well, bacteria to be specific. As unnatural as it may seem to talk about our symbiotic relationship with billions of different types of bacteria, it is a natural part of our everyday lives. And little did you know, we have been in the business of trading bacteria since the day we were born. Whether an individual is born through c section or vaginally, babies are born with a match of their mothers’ microbiome. Our bacteria is constantly changing and interacting with the bacteria around us. Each unique microbial community varies constantly based on your genetics, diet, age, environment and sexual behavior. In fact, in families or relationships that have high touch percentages (sharing food, hugging, etc.) there is a substantial shared collection of bacteria between them.

Although babies start with their mothers’ microbiome, as they grow the microbiome eventually evolves as it is influenced by what they eat, whether or not they have had antibiotics and who they come in contact with. One of the ways we come in contact with others and swap bacteria is when we kiss. Research shows that one ten-second french kiss can transfer on average eighty million bacteria. Some of that bacteria may only reside temporarily but other bacteria, depending on colonization, can be a permanent swap.

Now don’t stop tonguing just yet. The risk of exposure to other bacteria may seem negative at first. However, there are positives to swapping bacteria. First, that exposure might actually help build up resistance against other types of bacteria. And secondly, having high diversity of bacteria in your mouth has many proven health benefits. However, it is important to recognize that a healthy transfer of bacteria depends on your snogging partner’s oral microbial colonies and if they have good bacteria to transfer to you. Although overall, kissing for the sake of bacteria transfers is healthy. Just another reason to get some sugar (and not the processed and refined kind).

How to Protect Tooth Enamel

Posted on November 4, 2018May 7, 2023 by Ernest Perez

Understanding how to protect your tooth enamel can seem daunting and almost impossible with the food that we choose to eat today. Luckily there are two simple ways that you can protect your tooth enamel everyday. The best part is that you are probably already doing them! Firstly, choose the food you eat wisely. Secondly, actively participate in your personal dental care.

The first place influenced by the food you eat, is the first place you put it. Your mouth. Certain foods such as sodas, candies and breads can stick to your teeth and wear away at your tooth enamel. The best way to protect your teeth is to be informed. Protection through prevention. Be aware of the food you eat. You should find a balance between foods that strengthen your tooth enamel like those high in Calcium and the foods that damage your tooth enamel like those high in sugar. Life is all about balance, doesn’t it make sense that your mouth is too?

Next, take care of your teeth. It’s simple. Brush regularly. Floss regularly. Go to the dentist regularly. These are all steps you can take to protect your tooth enamel and to prevent your teeth from eroding even more. Again, be informed. Visit your dentist regularly and make your own dental care a priority. Your mouth is a gateway to other aspects of your health because if your mouth suffers then the rest of your body will suffer. Take care of your first line of defense.