Boots for Fall 2012

Boots are one of the staple footwear pieces for many Fall and Winter collections. Some shoppers, however, remain doubtful about investing in a pair. Whether it be because you have never left the comfort of your tennis shoes or flip flops, or that you simply adore sandals, head down to your local department store and try on a pair… just for kicks.The benefits of boots are many. Traditionally, boots were worn as work shoes. Durability and sensibility were the main advantages. Fashion, however, has morphed the boot to be beautiful as well. Boots protect your toes from the elements and many are as comfortable as your favorite pair of tennis shoes. These covered toe marvels can easily add a little glam to an otherwise plain outfit and most boots serve as great focal points. For example, a cowboy boot can show your quirky or playful side while an equestrian boot can scream sophistication.But how do you wear a boot? Be creative! Check out some of the tips for wearing this season’s core styles.Cowboy Boots: Make sure your pair of traditionally farm work footwear is new and clean. Nothing is more unfashionable then a pair of painfully filthy shoes (this should be a rule for all footwear). Cowboy boots are great when paired effortlessly with casual ensembles. For example, pair with a sundress, jean shorts and a tank, or over skinny jeans with a tee (button or knit are welcomed).Fur Trimmed: Fur accents always add the feel of winter and warmth to any outfit. This season we see a variety of styles sporting the fur, from knee highs to ankle boots. A good fur trimmed boot should remain the centerpiece of your ensemble. Pair with skinny jeans and a subdued top of your liking. Beware of too much fur in your outfit. As they say, less is definitely more. For warmer climates, go for a boot that has subtle hints of fur. Fur trimmed boots are associated with winter and snow, so wearing fully furred footwear may seem silly for someone strolling in complete sunshine.Biker: Buckles and studs just scream bad ass. Because of the abundance of detailing found on this style, you also want your “viewers” to focus on your footwear. This is your wow or statement piece within your outfit. Biker boots are meant to resemble working shoes. They look tough and durable – therefore, your apparel pieces should look the part as well. Accessorize to add femininity. Pairing biker boots with a whimsical sundress is not an option. Instead, opt for a boyishly charming shirtdress (belted or fitted) that resembles a button down from the boyfriend’s closet. Add some metallic bangles and oversized hoops and you’re ready to rock.Equestrian: Styles that have been derived from the traditional horseback riding boot are present this season. They feature simple buckles in neutral tones. Equestrian boots are normally associated with those that frequent country clubs or the horse track. Preppy style fits perfectly with this boot. Think cowboy boot, except slightly more refined and polished. Collared polo shirts and tanks look great with this style.Booties: This style can resemble a sock or may seem the end result of a boot and sandal union. Booties are versatile and can be paired with most outfits. From sundresses to jeans and a tank, the bootie can dress up or dress down accordingly. Great for warmer climates, the bootie also gives the appearance of a boot without overheating your foot. Booties in rich brocades and embellishments are also in favor this season.Python: Also popular are boots of all styles in playful python prints. Showcase your wild side with a fun color like teal, red, or yellow. If the colorful isn’t your passion, go for a neutral tone or a more natural tinting. Depending on what style you choose, remember to dress around your boot. The python print will be attention grabbing on it’s own and you don’t want to throw in too many “wow” factors in one outfit.Can I wear my boot after the winter months? The great thing about buying a pair that is slender and lacking bulk, is that you can wear it under a slightly flared jean or slacks. Hidden beneath the jean, the boot will resemble that of a sports shoe. The upside is that the boot will dress up the outfit while allowing you to showcase another ensemble piece.

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Home Health Care Business

Home health care businesses are becoming more popular these days and may offer a range of services. They are usually relied on by the elderly, those who have disorders which limit their movements and require constant medical attention, or those who are recuperating from an illness or from surgery. Their services include proper health management, meal planning and preparation and may even include light chores such as keeping the house clean and running some errands. Home health care businesses are quite easy to start cost-wise since they only require minimal start-up costs and may even be started from the house, which obliterates having to rent your own space.Although it helps if the prospective business operator has a background in health care, home health care business operators are not required to be trained formally in areas of health care. There are countless operations manuals and books available which operators may use to gain information about the business. They can also opt to attend intensive training programs where they will experience the business directly. These training programs also offer support after the business has started.Home health care services usually offer non-medical home care service. These providers cater mainly to the elderly and the disabled so they can remain safe and secure in their homes. These services are focused on personal care and cover daily living activities such as companionship, supervision, medication reminders, light housekeeping, and transportation.The nature of home health care businesses and the services that they offer can be done by anyone. However, a lot of caregivers in the home health care business preferred by business operators are retired nurses and nurse assistants. They know a lot about quality health care, yet no longer actively practice in a doctor’s office or hospital. Also, the demands of providing home health care are much lighter than those in hospitals and clinics. They do not follow strict schedules, and as such, enable retired nurses and nurse assistants to pursue their other interests while still earning money upon retirement.

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What You Need for an SBA Business Loan

The U.S. Small Business Administration (SBA) offers guaranteed commercial loans by the federal government for small businesses. These loans are offered through approved partners in the lending industry and not directly through the SBA. When the SBA guidelines are followed and approved, the lender has less risk since a significant percentage (up to 85%) is guaranteed to be repaid. The standard SBA loan interest rates are a maximum of 2-1/4 points above the prime rate; the final rate, as with commercial loans, is based upon the risk of the borrower and determined by the assigned lender.There are 4 basic programs offered: 2 types of business loans (Section 7-a and Section CDC/504), a Microloan and a Disaster/Assistance loan program. Each one fits a specific business financing requirement. All of the programs require the applicant to provide detailed financial documentation to prove stability and credit- worthiness. If your business is only doing marginal and you think this is easy money, then you’re in for a little shock.The following requirements are needed for any of the 4 programs and some of them need additional documentation.1) Detailed business profile. This describes the type of business you operate, length of time in business, overall sales, location and number of employees. In this section, you tell the whole story of how you operate and paint the big picture.2) Loan request. You will identify the type of SBA loan suited for your purposes, the total amount you are seeking and the specific details on what you will do with the funds. It is important you apply to the correct program with the correct paperwork otherwise your application will be tossed out.3) Business Financials. This is the same as any standard commercial loan package request; you need to provide all business financial statements for 3 years and current interim statements. Also include cash flow projections and account receivables and payables in detail. A key item in this section is to prove that you can pay back the loan with good monthly cash flow records.4) Collateral. A collateral list are all the tangible assets in your business including property, equipment, equity in the business, borrowed funds and cash on hand. Like any finance, the SBA wants to make sure you have invested into your business and have good stability.5) Personal financial statement. This is needed from every partner and owner in the business which has 20% ownership. The PFS details what you personally own, owe as a liability and your overall net worth. In this section, your personal tax returns for the past 3 years are also required. Unlike some commercial financing, the SBA will require that you personally guaranty the loan. If you were looking for a “corp only” type of finance then this is not the avenue for you.Qualifying for an SBA loan has many similar features as qualifying for a standard commercial finance. Documentation will be required to prove stable performance before approval is granted. The process is not fast and easy but for those businesses which qualify, it can be a great source of capital at rates several points below market. A word of advice is to work with an experienced SBA consultant to help navigate through the system.

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