Many of us have felt the sting of the recessive economy these last few years. Businesses are no different. The nasty truth is that without a great credit rating and a FICO score above 650, you probably will not qualify for a loan of any sizeable amount. This is where advanced merchant funding programs can help.

What IS Advanced Merchant Funding?

Very simply stated, it is a cash advance to you for the purpose of keeping your business going. Something like a payday loan, this type of funding is a bit different. Instead of paying the loan back every two or three weeks, it is based on your projected realistic credit card receivables.

Your business is reviewed and credit card receivables are projected over a period of time. Those receivables are converted to cash for your immediate use. This type of funding is dependent on your business success, so the projections are extremely realistic and you won’t run the chance of over extending yourself.

When you receive a credit card payment, that money goes directly towards the loan principal. The lender does not get paid until you do. This helps you regulate your cash flow during slow sales periods and slumps.

What are the real benefits of advanced merchant funding? The benefits are many with this type of funding solution. No fixed payments, no points, no personal guarantees and no collateral on your business property are just a few. Put them all together and you have the ability to get the funds you need when you need them with NO RISK AT ALL.

The whole program is based on your credit card receipts. You get paid and a portion of the received cash goes to the loan principal. Very simple and ultimately safer than a small business loan.

With a new year, new trends have appeared when it comes to home décor. Whether you’re redecorating, renovating or you simply want to refresh your current décor, it’s a good idea to consider this year’s new trends. A quality interior decorator can help you learn about new decorating trends and help you learn to implement them into your home. Whether you plan to use an interior decorator or you plan to do some decorating on your own, here are a few helpful tips to follow to make the most of the new trends that are hitting it big in 2013.

Tip #1 – Add Brass

Brass is one of the big trends this year and there are so many ways you can add it to your current décor. You won’t need to redecorate a room to make the most of this trend. Simply add some brass accents. Try a unique brass lamp, brass candlesticks or other brass accessories to add timeless appeal to any room.

Tip #2 – Emphasize the Art

If you already have artwork in your home, all you need to do is emphasize the artwork you already have in place. Of course, even if you don’t have artwork, you can easily find art to add to your home. Make the room focus around a piece of art for a unique appeal. Finding a quality interior decorator to help you find great artwork for your home or hit art fairs in your area to find a great piece.

Tip #3 – Make Use of Bright Colors

With hi-resolution computer screens and HD televisions, we really pay a lot more attention to colors. Why not go ahead and make use of bright colors within your home décor as well. Make use of saturated hues throughout your rooms. Think bright, vibrant lifesaver colors that really add pop to any room.

Tip #4 – Antique Furniture

There’s always a place for reviving old, antique furniture. Beautiful old pieces can be added to your home, mixed with newer modern pieces to create a special look. Focus on pieces that will complement your current pieces. If you find a piece you love that doesn’t seem to fit, varnish it or paint it to make it fit into your current décor.

Finding cheap car insurance has been on everyone’s mind lately. With the high cost of living these days just about everybody is on a tight budget, and looking to save money. With car insurance, you don’t have to pay high prices, but you do have to take the time to look around in order to get the policy that suits your needs at a price that is going to fit into your budget. Here are some tips to help you do exactly that.

One of the first things you need to ask yourself is are you paying too much for insurance now? If it has been awhile since you checked your insurance, this may be a good time to take another look. Have you been accident free, or not had any infractions lately? Have you gotten older, or paid off your vehicle loan? If so, you may be able to get a better rate. In many cases you current insurance provider isn’t going to automatically give you a better deal, you have to contact them personally, whether over the phone or online and find out yourself.

If you have paid off your loan for example, you may not need as much insurance coverage as you did when you had one and needed full coverage. In addition, if you have been accident free, or don’t drive as much as you used, to, you may want a higher deductible in order to get lower premiums.

Finding cheap car insurance has many options. There are a number of websites where you can simply submit some information and they find the best quotes across the board and report their findings directly to you in a matter of minutes. This way you don’t have to waste a bunch of time looking over individual websites, or get a bunch of spam emails that you don’t want.

There is definitely a lot more to having the right look than just putting on a pair of jeans and a comfortable top. The shoes, the jewellery and even the hat set the stage that allows you to be fashionable. Getting serious about looking stylish does not have to be a depressing thought. When thinking of how to afford a clever crochet cardi or chiffon printed kimono with bright, colorful designs, the answer is easy. Do your searching first with Australian online clothes shopping.

Get the designer names that are in fashion for much less than expected. Clever mini dresses of brilliant red or scooped-neck sleeveless creations with shades of black and grey against white announce an exciting evening ahead. Select a V-neck cascading plume dress featuring a gold chain holding the fabric to hand beside the essential little black dress in every woman’s closet.

One pair of shoes is never enough, especially with the excellent bargains available when shopping online. A magenta suede Billini with a Mandy heel features a peep toe opening and adjustable ankle strap. Of course, for classy, casual evenings the Billabong Stella boot with wood cone heel is both fancy and sassy, featuring a flirty tassel of mock suede on the side.

Adding an accessory can be as simple as a ring or dramatic as an open weave horn cuff with stone. Yellow gold and silver plating enhance this beautifully detailed bracelet. A labradorite, better known as a power stone, shimmers with shades of green, gold and brown. Add to your wardrobe by selecting several pieces that add stunning delight from head to toe. The effect will be spectacular.

One of the most common problems smokers run into when switching from traditional cigarettes to electronic cigarettes, or e cigarettes, is narrowing down their options to specific products. If you are like most e cigarettebeginners, you’ll want to shop on the Internet since online stores carry a much wider selection of smokeless merchandise than local tobacco stores. Since online stores that specialize in electronic cigarettes tend to have hundreds of different products, you’ll need to know what you need to look for to choose the best one for your body, taste and lifestyle.