Business Finance

Small Business Loans

Small businesses have over the years faced lots of difficulties as far as finances are concerned. They basically rely on commercial lenders to provide them with business funding for working capital among other finances. It is obvious that without loans for small businesses, many would definitely cease to exist. So, if such events were to occur, small business owners’ dreams will disappear for good.

All well-established small businesses get access to business loans. A small business has to adhere with the correct mode of application for small business loans. The application process is made up of the following stages: credit factors, determining of the business financial needs, business loan checklist, and how to apply for an business loan.

Despite the fact that the standards for a business loan application are not that strict, you still need to ensure that all your documentation is well prepared. For the very first application, you will have to go an extra mile of making sure that you application is beyond all doubts. A good application can be achieved by employing a good format. To be certain which format is the best, you will have to do a little research on the Business Loans provider you wish to request a loan from.

Once you have the correct format in hand, the next step will to follow each and every requirement that the business loan provider needs you to specify. For instance, you will have to give the full details of your small business, never assume that the loan provider will always remember the credentials. Then you will have to come with a short history of your business.

The business history can consist the following: your business type (in this case it is a small business); where your business is located; the nature of service/ product you are dealing with; the amount of human resources that are involved in your business; any future adjustments that may lead to more profits; the business’s strategies on how to embark competition; the business methodology of attracting clients; how to get the right suppliers to supply your business with the correct products; and when will all the information concerning the business will be ready.

Basically, you are almost there. Just counter-check your business plan, list of guarantors as well as a list of all assets that can act as collateral.


An Explanation of 3 Different Types of Patents

Along with there being multiple types of intellectual property, there are multiple types of patent, and you could wind up lost in a maze of paperwork and red tape if you accidentally apply for the wrong kind. Here is a look at the different types of patents along with a few simple ways you can distinguish between utility, design, and reissued patents.

Utility Patents

When you think about what a patent is for, you’re probably thinking about a utility patent. Utility patents cover a wide variety of inventions and new ideas, including completely new machines, tools, or just about any other physical object. They also cover new design processes, which means that if you discover a new way to create something that already exists, you can patent it. If you develop a new way to desalinate seawater, for instance, that’s worth a patent even if you use existing machines to do so.

One important distinction, however, is that the new invention has to be nonobvious and significantly different from anything else. That means that if you invent a slightly different lampshade or a sturdier clip for a seatbelt, you probably don’t deserve a full patent for your invention. It is best to hire the services of professionals, such as the patent services InventHelp to help you in the process.

You also can’t patent any sort of text or artwork – such things fall under copyright law instead. Nor can you patent things that nobody could ever manufacture: things like universal laws, abstract ideas, and physical phenomena. That means you can’t patent a new subcategory of socialism, for instance, or else the color blue (although you can patent a new process for manufacturing blue paint).

Design Patents

Design patents are strictly for a new ornamental (and thus not directly useful) design for an article of manufacture. Design patents also have be original and nonobvious, which means that the person who invented vertical Venetian blinds may have gotten a patent, but you can’t get one for sticking a new logo on a t-shirt. Design patents also have some overlap with trademark law, since a company can claim a certain kind of design as representing their brand.

Plant Patents

A plant patent is granted to an inventor who invents, discovers or asexually reproduces a distinct and new variety of a plant (not including a tuber-propagated plant, or an uncultivated plant). An asexually propagated plant is one that is reproduced by using techniques such as rooting of the cuttings, budding, grafting, layering but not by using seeds. Cultivated sports, mutants, hybrids and newly found seedlings can be considered for patenting. Sports & mutants can be induced or spontaneous; hybrids can be natural, somatic or from planned breeding. Natural plant mutants can occur naturally but they should be discovered in a cultivated area. Also, algae and macro fungi can be considered but bacteria are not.

A note about Reissue Patents

Reissued patents are one of the reasons why you want to be clear and precise in your patent application. You may have a valid invention, but either because you weren’t clear enough in the schematics or because your claims were too vague, the USPTO may have rejected or voided your patent. If that happens, you can resubmit your application after you fix it, but it means paying extra fees and waiting even longer for approval. Meanwhile, the patent period is still counting down from when you first filed and for the time being you don’t have the right to enforce it.

If you want to avoid the nightmare that is the patent reissuing process, your best bet is to be as precise and complete as you can the first time around. Again, better hire patent invention InventHelp services to make sure everything is right. That may mean having to get expert help, especially if it’s your first time around, but if you forgo the help and end up making a mistake, your decision may turn out to be more expensive in the long run.

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7 Foolproof Secrets For Invention Success

Inventors are often their own worst enemies… Unfortunately, when it comes to bringing their inventions and new product ideas to the marketplace or to the attention of the media and/or potential licensing partners, far too many independent or individual inventors totally screw it up. The worst part is that it doesn’t have to be that way!

Here, you will find 7 Foolproof ways to significantly increase your chances of success with your new invention or idea:

Develop Patience! Under the best of circumstances, marketing a new invention can take several years before any substantial profits materialize – not unlike most legitimate entrepreneurial business endeavors. You need to stop expecting and waiting for a watershed moment or event that will magically transform your life – it just doesn’t work that way. Success with an invention is an evolving and ongoing process. It is one that builds upon itself, one small victory at a time.

Stay Realistic! Sorry to tell you, but you can’t just “sell” your idea to some company “out there”. There’s no way to simply think up an invention, send it in to a company, then get a big check back in the mail. That’s just not going to happen – ever. So stop trying to do things without risking anything. Give yourself permission to try and to fail and you’ll eliminate nearly all of the angst that most inventors suffer. Accept that you may need to build a prototype or working model to prove your principle works and see how the product looks and feels. Do whatever you can on your own – paper and glue, if that’s as far as you can go. When you reach the limit of what you can do for yourself, it’s time to bring in some help, such as InventHelp patent an idea agency, but not before.

Spend Some Money! Stop torturing yourself trying to figure out how to pursue your idea without spending any money on it. Investing some of your own money in your invention (it doesn’t have to be a fortune) can truly strengthen your resolve and help you stay committed for the long haul. Develop a business plan and find investors if you don’t have the money you need, but don’t make excuses about it. If you’re not willing to invest in your own invention, how can you possibly expect anyone else to invest any of theirs?

Don’t Be Paranoid! You can never move your invention forward if you assume that everyone you talk to is going to steal your idea. Nothing will ever be accomplished and that will be entirely your own fault. Use a non-disclosure agreement if it will make you feel better or if you’re sharing proprietary design details or trade secrets. (Most manufacturers and other potential partners you deal with will be willing to sign one and those that can’t or won’t will usually be clear about that right up front.)

Stay Focused! You must create a plan of attack and work your plan. Sometimes life will get in your way or you may temporarily lose your fire. When that inevitably occurs, steer yourself back on course and stay with it. Never give up. Nothing worthwhile is ever easy. Remember, your invention starts and ends with you.

Do Something! There will be many occasions when you will need to make a decision about something and you will waffle back and forth about which way to go. Don’t beat yourself to death over whether or not you’re making the right choice. Just do something! If it’s not right, fix it later. Remember, there are agencies that could help for your new invention idea as well.

Enjoy The Process! Most importantly, take pleasure in knowing that you are working on something truly your own. Little in this world compares to dreaming something up out of thin air and seeing it materialize into a real product that people buy and enjoy. How will it feel to you when your product takes off and society benefits from your ingenuity? Burn that image into your brain, because THAT is your destination.


Snacks Vending Machines

Without a doubt, snacks are among the most popular of all. Almost everyone is filled with anticipation just looking at the colorful boxes, bags and wrappers that contain all the goodies we have come to enjoy.

A well-stocked vending machine has something for everyone, and most of us need a mid-morning or mid-afternoon snack to keep going. Nearly everyone gets a bit cranky when they are hungry and blood sugar is dropping. Having a snack handy in the workplace can overcome this situation and keep busy employees happy.

Because they are unmanned and self-serve, there is no need to have anyone in attendance and there is no mess to clean up in the lunch room or elsewhere. But, that is also a reason to have only the best and highest quality vending machines Australia.

Another snack machine in the lobby or waiting area for customers is a way to keep customers happier as they wait, and children from getting fussy.

Combination snack and drink machines are becoming very popular in Australia, and they have everything someone needs in one place. This is especially good for places that do not have much room for more than one machine.

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How Radon is Reduced

Even if you live far away from the northeast, the traditional hotbed of radon contamination, your home could still be at risk. Contrary to popular opinion, radon is a nationwide problem, and people in all parts of the country should be aware of the potential for contamination.

That is why it is so important for every homeowner, no matter where they live, to have their homes tested. If your home tests negative, you and your family will have the peace of mind that comes with knowing that you are safe from this dangerous radioactive gas.

Testing Positive

If your home tests positive, you can take immediate steps to reduce the radon level in your home and mitigate the danger to your family and the value of your home. Dealing with a radon problem requires a thorough understanding of just how that radon is getting into your home, and that requires the expertise, experience and sophisticated testing equipment only a radon reduction contractor, such as, can provide.

Radon Entry Points

One of the most common ways radon enters your home is through tiny cracks in the walls surrounding it. To understand how radon enters your home and why it is so dangerous, consider that the pressure outside the walls of your home is typically much greater than the pressure inside your home. This unequal pressure can create a vacuum effect that allows radon to stream into your home through even the tiniest of cracks in the basement walls or the foundation.

To deal with this problem and reduce radon seepage, a radon reduction company will seek to equalize the pressure inside and outside your home. The company will use a number of techniques and equipment to accomplish this goal. When they are done, the pressure will be much more uniform inside and outside your home, and that can greatly reduce the amount of radon that enters your house.

How Radon is Reduced

Radon can also get into your home through a contaminated well, and that is another thing an experienced radon reduction company will be able to deal with. When your well water is contaminated by radon, that radioactive gas is entering your home each time you use your washing machine, dishwasher or shower, and even every time you turn on the faucet. A quality radon reduction company will be able to assess the state of your well water and make the changes necessary to stop that radioactive gas from seeping into the surrounding water. When the work is done, you and your family can breathe easy, knowing that a dangerous threat has been removed from your home.

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How to Weld

Before you learn how to weld make sure you have all the equipment your going to need to protect yourself.

Welding produces a bright arc that’s equivalent to the sun’s brightness, so cover your entire body with non flammable clothing, 100% cotton or wool is best. Welding safety is important, don’t think you can get away with putting on some spf 90 sun screen just because it’s hot outside and you don’t want to wear long sleeves.

If you choose not to heed my warning you do so at your own risk! I just hope you’ve stocked up on some aloe vera. Here’s a short list to get you started.

  • Welding helmet – Your not a welder with out a welding helmet, so go get one.(shade 10 or higher)
  • Welding gloves – just because you have gloves on doesn’t mean you should be touching your weld.
  • Leather jacket – A long sleeve cotton shirt is just as good if your out in hot weather, just as long as you don’t mind sparks burning holes in your shirt and turning it into swiss cheese.
  • Welding cap – The welding helmet only protects your face not your hair.
  • Leather steel toe boots – Any time your working with steel or any kind of construction work, its always a good idea to protect your toes. Welders even have some bad ass looking boots that have a met-guard that protects the entire top of the foot. You might consider getting a pair if you choose to do this as full time work or if you just want to look bad ass, if you do decide to buy it just to look cool and I see you in public, I’m gonna laugh at you.

I can’t stress enough the importance of welding safety, it’s a big part in learning how to weld, make sure your always wearing the appropriate welding gear!

Alright so now you’ve got your gear on and your ready for some welding basics. Take your ground clamp and attach it to your work piece. Since your probably new at this your gonna want to practice laying down beads on a steel plate (assuming that your set up to weld steel). Now strike your arc and start welding!

Your first few beads probably aren’t gonna be pretty, but that’s okay, your first few beads let you know what you need to do to make a pretty weld. Basically there’s two main things you have to think about when you learn how to weld, Travel speed and Amps.

Here are a few welding tips. If you travel too slow your weld is going to build up and probably look like a long giant blob (depending on your amps), too fast and it might come out too thin or you might get some undercut (once again depending on your amps).

If your amps are too high your probably going to have a lot of spatter and you might get some undercut (depending on your travel speed), amps too low and your not gonna get any penetration and your weld will probably look like rat turds (Depending on your travel speed… okay maybe not so much on your travel speed, but do you see how these to factors interplay with each other?)

Now it is possible to have your amps a little too high and still lay down a nice bead, actually I’d rather you have it a little too high then too low, You just have to travel a bit faster, make sure you watch that puddle whatever your puddle looks like is what your weld’s gonna look like, make sure that puddle is nice and even. It all comes with time and practice so for now just play around with the heat and your speed and see how many different ways you can make a weld look.

Ideally you want your weld to have good penetration, with a slight convex and uniform look. No porosity, undercut, or cold lap. Oh… one more thing, it also has to be straight. If you can’t weld straight try welding near the edge of the plate and use the edge as a guide then lay down another bead just below that one and so on.

I hope you’ve found my welding tips useful, just continue to practice welding basics until your confident. Learning how to weld is easy and fun, so what are you waiting for? Go out there and burn some rod!

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Chauffeuring Services

As the capital of England and the premier world destination for both tourists, investors and talent, London has been experiencing something of renaissance recently. With world renown art, top universities and international financial services, the city has been considered a cultural and financial capital of the work. In terms of finance, London is second only to New York.

Travelling through a major metropolitan hub can be intimidating, stressing and time wasting. As a tourist, you might have time to fool around the city with an unreliable commute, but as a business traveller, you don’t have the luxury of adding to your already significant stress load by worrying about congested traffic and less-than-optimal transporting solutions.

Thanks to professional distinguished chauffeur service and luxury cars, security London chauffeur agencies can provide you with first-class transportation to deliver you to your destination in comfort and style without worrying about your safety and the hassle of public transport or renting a car.

They plan your route in advance using the latest technology in satellite navigation to minimise traffic delays and make sure that you complete your itinerary in a timely, discreet and comfortable manner. Courteous and unpretentious chauffeurs arrive at least 20 minutes ahead of your specified departure time. The moment you meet them, they will make you feel at home.

Business Law

Invention Patentability Search

Alternately, prior to investing in the filing of a patent application, it is sometimes wise, though also not mandatory, to conduct or have conducted a patentability search. This type of search looks at patents and public information from anywhere and any past time to see whether the invention is truly novel and to gauge the likelihood that a patent on it can indeed be obtained.

Since the results of a patentability search are again proportional to the time/money spent, one must weigh the cost of such a search against the cost of filing the application without, and then relying on the search conducted by the Patent Office as part of the application’s examination. And regardless of the amount spent on a patentability search, the results are almost always going to be less reliable than a right-to-use search. That is where a patent agency like InventHelp comes in. You can read more about InventHelp on UrbanMatter.

Many inventors forego a patentability search altogether or limit it by cost to an affordable breadth with the understanding that the reliability of the results obtained are similarly limited.

The patent application is prepared with claims that are written as broadly as the known prior art would allow. But once the patent application has been filed with the requisite Filing Fee, it is assigned to a patent examiner who conducts his own patentability search and determines the allowability of those claims against his results.

It is rare to obtain an allowance on the application’s broadest claims absent some argument with the examiner. In the U.S., an invention’s patentability depends on its usefulness, novelty, and non-obviousness. Usefulness is rarely challenged by the modern examiner and novelty can be judged by a direct comparison to the examiner’s search results. But a rejection based on an examiner’s assertion that the claim is merely obvious in view of the prior art or through some combination of the prior art can be more difficult to overcome and require strong arguments. Getting support from InventHelp would be advisable.

The examiner issues his opinions and findings in an Office Action. Except in the case of “dead ringer” prior art, amendments which narrow the scope of the claims can usually be made to distinguish over the prior art and gain allowance. There may be several Office Actions and Amendments required before the application is allowed and a patent is granted, if one is granted at all.

Business Law

A Lawyer Can Help with a Patent Application

There are many valuable possessions that people have that need to be protected, this includes both physical items and things that are known as intellectual properties. Intellectual properties are things such as ideas for business concepts or inventions. It is very important to have these things protected especially if you are looking to make money off of your invention or idea. In order to protect these things, and to keep other people from using them as their own you will need what is known as a patent.

In order to get a patent you must first submit an application to the federal government. If you are granted a patent, then the government will publish a description of the invention in a patent disclosure so that no one else can use your invention or creation When a new patent is granted then individuals will receive the proper protection that they need on their thoughts or inventions. A patent will legally protect the invention or idea for 20 years. You can read more about patenting process from this blog –

Getting a patent is a very complex process, so it is important to know how to go through it. Every day people find that they are denied patents simply because they did not properly go through the application process. This is why it is so important to understand the process of applying for a patent. The first thing that you will want to do when you decide to apply for a patent is to hire a patent attorney. Patent attorneys, they are a very specific type of attorney that works solely with the patent process. A patent lawyer is a legal professional just like any other lawyer but they are in charge of overseeing the patent process for a client.

You will need to find a local patent attorney, not just a general attorney and set up a consultation so they can get an idea of what your invention is and tell you if you have a patentable idea on your hands. They will also do what is known as a patent search and inform you if there is an existing patent published that is identical to your idea. They will then help you with the application process. By hiring professionals you are getting a lot of help for your new invention idea.

The attorney will first help you fill out and file your application with the government. They will then help you draft a detailed description of your item including any drawings that may help describe your idea to the government. They will help fill out additional paperwork and then send the information into to the national patent office. They will continue to stay with your case in case anything is overturned or if you need to complete any additional paperwork. You will need to work closely with the patent attorney and help them get any additional information that they may need to help get your idea the patent you want it to have.

Business Law

Patent Applications

Patents are formal legal documents and should be drafted by a registered patent attorney. Many Inventors feel they can prepare a patent application themselves because they have an understanding of how the invention works. Of course they have an understanding. . . they developed the idea! Unfortunately, this often turns into a nightmare. Remember, a U.S. Patent is a legal document.

If the patent application is not prepared correctly, the Inventor may end up spending more money to fix the patent application than the Patent Attorney or a Patent agency, such as InventHelp, would have charged to draft it in the first place. Alternatively the patent attorney may have to draft an entirely new patent application which results in wasted time and money for the Inventor.

Patent attorneys prepare a variety of Patents and Patent Applications. The following is a brief description of each:

A Utility Patent is what most think of when they imagine a patent. Utility Patents protect new and useful products and processes. A Utility Patent can be very broad and is usually preferred if the invention performs a useful function or a useful process. Examples of Utility Patents are pharmaceuticals, methods to treat medical conditions, devices for performing particular operations and the like. A Utility Patent typically has a term of about 20 years from filing and has a number of formal requirements.

A Design Patent protects the ornamental features of a device. In other words, a Design Patent protects the look of the invention. Design Patents are typically much narrower in scope than Utility Patents. Design Patents have a term of 14 years.

A Provisional Patent Application does not issue as a U.S. Patent. However a Provisional Patent Application provides the Inventor a priority date and a 1 year grace period to file a Utility Patent Application and/or a PCT International Patent Application. Although Provisional Patent Applications do not require many of the formalities as a Utility Patent Application (and can therefore be less expensive) a Provisional Patent Application should comply with the written description requirement including best mode. A Provisional Patent Application does not effect the term of a resulting issued U.S. Patent. as discussed in this article on

A PCT Patent Application is also commonly referred to as an International Patent Application. A PCT Patent Application never issues as a Patent itself. The PCT (Patent Cooperation Treaty) provides a centralized method for filing a patent application throughout most of the industrialized country. Thus, the patent application eventually must enter the national stage of each desired country. Currently there are about 181 Member States (countries) that belong to the PCT.

A U.S. National Stage Patent Application may be filed from a PCT Application designating the U.S. in the Request. A National Stage application issues as a U.S. Patent.