How to Get Your Federal Tax Lien Released: 10 Golden Tips

Once the Federal Tax Links have been submitted, the next project will attempt to release them. Last year, the Internal Revenue Service submitted approximately 950,000 links. That number is expected to increase dramatically. Most of the taxpayers are at a loss and have a lot of misconceptions about how to get Federal Tax Links published. Here are 10 golden tips that cover almost every avenue to get you released from the dreaded federal tax lien.

1. Make sure you actually owe the tax and that the assessed tax is the correct amount. Don’t assume that what the IRS says you owe is correct. Compare your tax records with the actual IRS notice. If you didn’t file your own tax return, the IRS may have filed a substitute for the return, an SFR. Generally, the amount the IRS evaluates is much higher because they only give you the standard deductions. When this happens, fill out a correct tax return and send it to:


Fresno Campus ASFR

Drive stop 81304

P.O. Box 24015

Fresno, California 93779

This IRS unit processes the tax return now filed by the taxpayer. On filing the new tax return, send a cover letter requesting a “reconsideration.” This could take 3-5 months, so be patient.

2. Pay the tax in full as soon as possible. This is the fastest way to release the federal tax lien. If you pay with a cashier’s check, the IRS will immediately release the federal tax lien if you walk into a local office. Make sure you get a copy of the linking release and find out when the IRS will send a copy to your local court. You’ll also want to check with the credit bureaus within 30 days to make sure they posted the satisfaction of the disclosure on your credit report.

3. Present an offer in compromise under doubt as to the ability to collect. Pay the terms of the Offer in Compromise and the IRS will release the Federal Tax Lien once the Offer is paid in full and all terms are met.

4. Find out if the statute of limitations has expired in the tax years involved. The IRS has a 10-year period in which they must collect taxes. The 10-year period begins when the IRS conducts an assessment on the IRS computer. Usually this is 6 weeks after the returns are filed. If the statute period has expired, the link is automatically released by statute, but the IRS will not send a release. You will have to formally ask them for a copy of the release. If you would like a printed copy of the federal tax lien release after the statute has expired, fax your request to:

IRS centralized lien releases

Fax number 859-669-3805

5. Request a bond. The cost of the bond is very expensive, but the IRS will release the federal tax lien once the bond is posted to them. Generally, a bond equates to the settlement of the federal tax lien.

6. First, do not allow the federal tax lien to be filed. When the Notice of Intent to File is sent to you, call the IRS and request a hearing. This will at least delay the possible filing of the federal tax lien. You can give them the reasons why the link submission should not take place.

7. If there are special circumstances that would cause difficulties due to the filing of the federal tax lien, report it to the IRS. Difficulty situations can change the circumstances in most cases. The IRS will give due consideration to certain conditions.

8. Contact the Office of Taxpayer Advocates if you think there is a problem with the filing and you want the IRS to investigate the situation. The Taxpayer Advocates Office is at your disposal. Go to to find the nearest office.

9. If you realize you made a mistake on your own tax return and the obligation is incorrect, file an amended tax return so the IRS can correct the issuance of the Federal Tax Lien.

10. A professional tax resolution company is your best option to help you. A good tax resolution company with experienced professionals can solve these problems.

As a follow-up note, the federal tax lien is very bad for your credit score. Most lenders will not make loans in the presence of the federal tax lien. Do your best to never file the federal tax lien.

Learn How to Compare Travel Health Insurance Plan Premiums Across the Globe

Compare Travel Health Insurance Plan

It is very easy to get health insurance in other countries. All you have to do is to search for a health insurance company in your country and sign up with them. Usually, they will provide coverage for sicknesses that are usually not covered by your own health insurance company. There is no need to worry about these things because the international health insurance companies would have to set the rules when it comes to illness and health issues. Therefore, there is nothing to worry about.

In fact, when the law regarding health insurance was released, many international health insurance companies already had a legal agreement with each and every country. Therefore, you can just imagine the number of people using their services. There were several reasons why more people used the services of these international health insurance companies. Below are some of these reasons:

Most of the people used their international health insurance plans to visit different countries abroad. Traveling for business purposes is quite common nowadays. Some businessmen also prefer to spend their honeymoons and anniversaries on a foreign city rather than on their home country. When they are going to spend their honeymoons and anniversaries in a foreign city, it is much better to be safe than sorry and to take advantage of the international health insurance plans that would give them the coverage that they need.

Many people also travel for pleasure. They go to different tourist spots and travel to a different part of the world. Some of these people also take part in different sporting events. As a matter of fact, they want to make sure that they are covered when they go somewhere else to participate in their sport. Thus, they can compare health insurance quotes from different companies before they spend their money on their tickets or accommodation.

zorgverzekering in het buitenland

Moving abroad to live abroad is quite common these days. More families are living abroad. In fact, more than 50 percent of the population of some countries now prefers to have their very own place of residence. People are able to benefit from these global changes by getting health insurance quotes and comparing them.

Learn How to Compare Travel Health Insurance Plan Premiums Across the Globe

These health insurance plans are also available online. The best health insurance plans would include the best features that a person needs to be covered. It would also cover the medical costs in case an emergency happens while they are away from their homes. It is a good thing to check on these quotes before they expire so that they won’t lapse just as soon as you move away from your home.

This type of insurance is important because it serves as protection from any unforeseen accidents that may happen at home. It can help a person in times of sickness. This type of service can be availed within a short period of time. This is why more people used to avail this kind of plan when they are planning to relocate to another country. The most recommended men’s health insurance abroad is the one that covers accidental injuries and illnesses. This makes it more convenient for the insured person to receive treatment right away when he or she encounters an illness or injury.

When looking for travel health insurance abroad, it is important to know how much it will cost you. This is because different packages have different premiums and prices. It is better to do some research before hand so that you can compare the prices and the benefits of each policy. You can contact an agent or representative of an agency that offers this kind of policy so that you will know how to go about getting one.

In cases where a person is injured overseas and needs immediate treatment, he or she will not have enough time to obtain health insurance abroad so it is best to choose the one that can be availed in a shorter duration of time. People have reported saving up to $1000s dollars just by arranging a trip to see a specialist. They were able to pay for their airfare, stay in a hotel for the night, and then make arrangements for the specialist’s consultation.

5 tricks to find the best chicken coops for sale

We all know how unhealthy the foods we buy at the supermarket are. So why not have some autonomy and eat our own food? There are many ways you can do that – you could plant tomatoes and other nice veggies, but what about protein?

Many people have decided that raising chickens could be a great idea. It is quite cheap and you get a lot of benefits from it. First of all, you have the eggs almost every day and from time to time you can even have some meat.

So how much does it cost? The only thing that is a little more expensive is the chicken coop, but there are many chicken coops for sale, so it is just a matter of choosing well. So here are 5 tips for making a great investment:

  • 1. Don’t buy plastic. Would you like to live in a plastic house? How would you feel? The first and most basic trick is not to buy plastic houses. There are a lot of them, especially on eBay, but the truth is that chickens won’t lay eggs if they live in such a house. Plastic does not “breathe”, so your chicken will feel very bad while in the chicken coop. During the winter, the plastic stays old and during the summer it does things. Really hot. So avoid plastic chicken coops by all means!
  • 2. The chicken needs space. You may have known by now, but chickens are very social animals. They feel good when they can interact and when they can hang out. They have conflicts and “friends” and these social events keep them healthy. So the last thing you want to do is keep them grouped together in a small space. Try to buy a run with the house and try to give them some freedom.
  • 3. It must be a one-time investment. A chicken coop is an investment, but it should be a one-time investment. It is not necessary to buy a new cooperative every year. So try to find chicken coops for sale that lasts. Look for hardwood and not a cheap house. It is better to pay once and a little more than to pay every year. Not worth it.
  • 4. Choose according to the number of chickens you want to raise. How many chickens do you want to raise? Decide on the number before starting the shopping spree. It is important that the size of the hen house and pen are adequate for the number of chickens you will have.
  • 5. Automate your work. Lastly, you should also think about yourself. Do you want to clean every day and make it a very difficult job or do you prefer to buy a litter? How about you get up in the morning? Why not buy an automatic door that can be set to open at 7 a.m. so you can stay in bed longer. Automation is great and it will make your life so much easier.

I hope these tricks have been useful to you. So now you should start looking for the best and a great place to start is here: chicken coops for sale.

10 kid-friendly places to go in Atlanta for a bargain or free price

1. Imagine it Children’s Museum: Every second Tuesday of the month, admission is free. It’s Target’s second free Tuesday. This is a great interactive museum for kids, where your little ones will keep busy, one activity after another. The range of activities includes, painting on the paint wall, loading balls into a child-sized crane and moving it through a ball machine, building sculptures on a child-sized crane, putting on a raincoat and wearing small fishing rods to “catch” the ducks. , filling boxes with products on a conveyor belt to send them for delivery, etc.

2. Atlanta Botanical Garden – If you are a Bank of America (BOA) customer and have a BOA ATM, debit or credit card, you can get free tickets here the first weekend of each month. There’s even a 2-acre children’s garden with a number of interactive activities, a tree house, a dinosaur garden, a vegetable garden, a sunflower fountain, and more. Kids will love running anywhere in the open space!

3. Atlanta Fern Bank Museum – This venue also offers the same free admission program for BOA clients the first weekend of each month. As soon as you enter the museum, in its main room, children will be amazed to see the display of the Mesozoic Giants. This exhibit recreates the setting of when the largest dinosaurs lived and how they obtained their prey. At the time of writing, The Ends of Earth: Polar Bear to Penguins exhibit is in progress. For toddlers and preschoolers there is a Children’s Discovery Room, where they can learn the basics of nature through playful activities. For children ages 6 to 9, the A Walk Through Time in Georgia exhibit allows them to discover the different geographies of Georgia, from the Jekyll Island Pier to the wildlife in the mountains.

4. Atlanta History Center: It’s also free the first weekend of each month with the BOA card. Don’t be fooled by the name! Even if the kids aren’t too into history, there is plenty to do. Kids can enjoy the interactive museum, tour 2 houses including the Swan House, visit the Victorian Playhouse, walk the nature trail, and visit the gardens.

5. Stone Mountain Park – This is one of the most popular and visited places in Atlanta. You can pay for an all-day pass: $ 34 for all ages, except $ 19 for children ages 3-11. However, you can still have a lot of fun without spending money on the pass. All you need to pay is an $ 8 parking permit fee per vehicle and pack a picnic bag and you’ll find a host of things to enjoy for free. You can climb Stone Mountain, sit by the picnic area overlooking the mountain carving or many other picnic areas, play in the playground, walk The Crossroads where you can see 1870 southern city life , visit Stone Mountain Museum, go to one of its beaches or just walk anywhere on its 15 miles of nature trails. During the summer, you can enjoy a free laser show in the evenings.

6. City Pass: For $ 69 (value: $ 118.93) for adults and $ 49 (value: $ 85.53), you can visit any of the following 6 Atlanta attractions in a 9-day period.

– Coca Cola

– Georgia Aquarium

– Atlanta Botanical Garden or Fern Bank Museum

– Atlanta History Center or The High Museum of Art

– Zoo Atlanta

– Inside CNN Tour

7. Centennial Olympic Park – This park is located in the heart of downtown Atlanta, and is close to other popular attractions such as Coca Cola, Georgia Aquarium, CNN, etc. This is where many festivities and concerts were held during the 1996 Olympics. No matter what the season is, there is always something kids can enjoy for free!

– Music at noon: every Tuesday and Thursday from April to October from noon to 1 in the afternoon you can enjoy the local musicians who play R&B, Jazz, Pop, etc.

– Every Wednesday from April to September, there are free concerts from 5:30 p.m. to 8:00 p.m.

– Fourth Saturday Family Fun Days: Every fourth Saturday from April to September, from noon to 4:00 p.m. M., There is a free family fun movie. Children can also enjoy other interactive activities.

– Fountain of the Rings: this fountain in the middle of the park is the largest interactive fountain in the world, symbolizing the 5 rings of the Olympic Games. There is a spectacular show with light and music, every day of the year, at 12:30, 3:30, 6:30 and 9:00 pm

– Ice Skating: This is the only outdoor skating rink in Atlanta.

8. Chattahoochee Nature Preserve – Located about 15 miles north of Atlanta. Tickets are $ 5 adults, $ 2 children, and children under the age of 2 are free. All activities with the general admission ticket are free. This nature preserve allows children to learn about the ecology of the Chattahoochee area and its habitat. These are some of the things that children can enjoy

– Star Lab: this is a portable planetarium, where children can contemplate the galaxy and the solar system. They can also see what the sky looked like, through the eyes of the ancient Greeks, Egyptians, and Native Americans, etc.

– Encounter with animals: every Thursday and Friday at 10 a.m.

– Guided Walks: Every Saturday and Sunday at 1:00 p.m. and 3:00 p.m. there are guided walks through the trails of the nature center.

9. Westin Peachtree Plaza Hotel / Hard rock Cafe: It is a hotel in the heart of downtown, a cylindrical glass tower. You can go to the observation deck on the 72nd floor and see the entire city. Going up and down in the glass-enclosed elevator is part of the fun. Tickets are $ 5 for adults and $ 3 for children 12 and under. After having a good view of the city, you can walk to the Hard rock Cafe restaurant. From 11 am to 2 pm you can enjoy lunch at the Hard Rock Café for $ 8.99, children’s meals are $ 7.50 with a drink, which is a steal for downtown. The 4-page kids menu, Lil ‘Rocker Menu, teaches them how to rock, reuse and recycle, and it even comes with a packet of tree seeds.

10. Story Times – In and around Atlanta, nearly all Barnes and Noble libraries and bookstores have 30-minute to 1-hour story times for different age groups of children, 1-2 times a week. This is a great activity for the kids and some free time for you, free. In addition to stories, activities can include singing, dancing, crafts, etc.

Also read my post on: 10 Kid Friendly Places to Visit in NYC @ a Bargain or FREE, at

Which of these or other kid-friendly places in Atlanta is your kid’s favorite to visit?

Why You Should Contact a Dallas White Collar Criminal Defense Lawyer

Dallas White Collar Criminal Defense Lawyer

If you are charged with a DWI or any other type of criminal offense, then the very first thing that you need to do is contact a Dallas white collar criminal defense attorney who will be able to advise you on the many options that you have. Many people do not fully understand the severity of these charges and they end up making the wrong decisions. They are either let go or they end up with serious consequences that they were not expecting. Here are some of the major things that you should know when it comes to hiring one of the great people in the city of Dallas to represent you.

One: If you are charged with DWI or any other type of driving violation, then you need to contact a Dallas white collar criminal defense lawyer so that he or she can advise you on how to plead and what type of plea agreement you should be looking at. You should never go into a plea bargain without knowing what your options are. A good Dallas DWI attorney will have no problem at all, answering any questions that you have about the charges that you face. They can also ensure that you get the best deal possible.

White collar crime lawyer in Dallas

Two: Another reason why it is important to contact a Dallas white collar criminal defense lawyer is because you don’t want to be put in jail for an amount of time that you may not have to serve. In most cases, a person who is charged with DWI will receive a minimum of a year in jail. In some cases, the sentence can be as much as four years. When you contact a Dallas criminal lawyer, you can be sure that you will not spend any time in jail, but you can rest assured that you will not have to serve any time in prison either. This can give you a lot of peace of mind.

Why You Should Contact a Dallas White Collar Criminal Defense Lawyer

Three: Another reason to contact a Dallas DWI lawyer is because you might have been arrested for something that does not even exist. If you are caught drinking while intoxicated, you will probably be issued a Breath or Intoximeter device. The device will measure your alcohol level and alert police if your blood alcohol content is over the legal limit. However, many times people drink so much to cover up their excessive drinking that they do not realize that they are over the limit when they are pulled over.

It is illegal to operate an automobile when you are drunk. However, if you are caught doing so by a law enforcement officer, you may be ticketed. Many times, the officer doesn’t think that you are driving impaired, so he just ticket you. However, if you have a Dallas DWI lawyer, you might be able to fight the ticket in court. A good lawyer will know which laws apply to your situation and what information the police should have in order to arrest you without probable cause to do so.

When you are looking for a good Dallas DWI attorney, you need to make sure that you are checking out all your options. The most important thing is that you are not charged with a crime, but you still need to hire a Dallas criminal defense lawyer to help you get through the process. There are often times when you won’t even be charged with a crime, but you may find yourself in over your head and in a bad situation. When this happens, contact a Dallas DWI lawyer to get through the process and protect your rights.

Nutramigen Formula Reviews – What You Should Know Before Taking This Supplement

Nutramigen Formula Reviews

The nutramigen formula is one of the many weight loss supplements that has gotten a lot of attention over the last few years. This product is highly talked about because it is believed to contain many ingredients that will assist a person in losing weight without having to really change their lifestyle at all. However, most of these claims are mere assumptions as there are no clinical studies or independent reviews that can be used to verify these claims. That is why you need to read this article to learn more about nutramigen and to discover how this popular diet pill can actually work for you.

Nutramigen suppliers

The main ingredient in this diet pill is known as Garcinia Cambogia. This is a plant extract which is commonly found in the rain forests of South America. Many people have used this type of diet pill to lose weight effectively in the past. It has also been used by members of the Amazon tribe for thousands of years in order to maintain healthy digestion, strong teeth, and to increase energy levels. Now, it is making a return to the modern diet scene as well, and it has been found to be just as effective as many diet plans on the market today.

Another ingredient found in nutramigen is green tea extract. Green tea is known to be extremely powerful when it comes to increasing energy and vitality. But it also helps to suppress the appetite while simultaneously boosting metabolism and helping to boost fat oxidation. Nutramigen also contains resveratrol, which is a powerful anti-oxidant that actively fights free radicals and prevents them from damaging the body. It has also been found to be effective at increasing the body’s ability to use fat cells, which in turn helps to reduce overall body fat.

What You Should Know Before Taking This Supplement

Many diet supplements are known to contain ephedra. Although this ingredient has been found to be relatively safe when taken under the right circumstances, it can actually be quite toxic when taken in high doses. This is why it is so important to take any diet supplement with a great deal of caution. Any diet supplement should be used in conjunction with an overall health plan and regular exercise. This way, you can ensure that you are getting all of the nutrients that you need without having to worry about dangerous side effects.

There are some side effects associated with most diet supplements. One of the most common problems that users experience is that they tend to cause mood swings due to the increase of caffeine in the body. However, this side effect can be avoided by using the proper dosage of the formula. Also, people who use this supplement often report experiencing mild tremors. For this reason, it is highly recommended that a doctor check you out before taking any supplement. This can be done by scheduling an appointment to talk to a nutritionist or a homeopathic specialist.

The nutramigen formula is one of the most exciting new diet supplements that have come on the market in recent years. By combining the power of green tea and a special amino acid called L-Arginine, this product promises to boost energy, improve mood, and even burn fat. Because of these impressive results, many people are switching from other diet supplements to try nutramigen. So what are you waiting for, visit one of the nutramigen formula reviews to get your hands on this incredible new formula.

Fitbit, fun, forensics and enemies

Have you tracked your 10,000 steps today? Has anyone else tracked them down?

Fitness trackers are big business, they help people get and stay fit, and they help them share their progress with friends and sometimes strangers.

Probably the best known of these devices (and apps) are FitBit and the apps paired with the Apple Watch, but they also include Moov Now, Samsung Gear Fit, Huawei Band, Tom Tom Spark, and around 350 others. The ability to map your movements is one of the funniest and most engaging features of these devices.

FitBit data helps catch a potential killer.

Fitness trackers in less joyous circumstances can provide evidence in the most severe cases. In late 2015, Richard Dabate told Connecticut police the story of a robbery in which the thief killed his wife while fighting the intruder. The problem was, the cited logs from her FitBit showed her active one hour after the murder was said to have taken place, and that she was walking ten times as far as she would have been in sight of the now fictitious offender. Along with other computer, Facebook and cell phone evidence, and the fact that Dabate had a pregnant girlfriend, he was arrested for the crime. As of this writing, Mr. Dabate is still free with a million dollar lease.

FitBit data helps an innocent man break free

In May 2016, Nicole Vander Heyder went out to the city of Green Bay, Wisconsin, but never returned home. His naked and bloody body was found in a nearby agricultural field. At first, the signs pointed to her boyfriend, Doug Detrie, who was arrested but nevertheless seemed shocked by the news and protested his innocence. Detrie was taken into custody on a million dollar bond, but the apparent evidence (blood on the car, in the garage, and a suspicious stain on the sole of his shoe) did not hold up (the blood on the car was not that of the victim). , the blood in the garage was not from a human, and the suspect spot was not blood) so he was released. Doug’s FitBit data showed that he only took about a dozen steps during the time period that Nicole died.

DNA evidence from Nicole’s clothing pointed to another man, George Burch. Burch’s Android phone had Google Dashboard data associated with her Gmail account showing GPS location data that led directly to Nicole’s home. Ultimately, he was charged, convicted of first degree murder, and sentenced to life in prison, where he still insists he is innocent.

FitBit data used to try to find a missing person

In July 2018, Iowa student Mollie Tibbett went for a run and has not been seen since. Police have received her data from FitBit in an attempt to locate her, but have not disclosed to the public what they found in that data. It seems that the geolocation information it contains was not enough to find it. Additional data from her cell phone and social media accounts has been examined for clues, but as of August 6, 2018, there are no reports that she has been found, although there appear to be persons of interest. Hopefully, your FitBit’s location data will eventually help lead researchers to your current location.

FitBit data banned by the military

You may have heard news of late that the Army has raised concerns about military movements and security being compromised by data from fitness trackers and devices like the Apple Watch. A military officer was quoted as saying: “The moment a soldier puts on a device that can record high definition audio and video, take photos, and process and transmit data, it is quite possible that he will be tracked down or revealed by military secrets .. The use of portable devices with Internet access, location information, and voice calling features should be considered a violation of national security regulations when used by military personnel. ” But did you know that this news was from May 2015? And did you know that it was about a Chinese military officer in the Chinese army newspaper, the Liberation Army Daily?

That’s right, some foreign governments have been banning these kinds of devices for years.

FitBit geolocation data banned by the US military.

In 2013, DOD distributed 2,500 FitBits to military personnel; In 2015, the Navy planned to run a pilot program to help enlisted men and their superiors track physical fitness goals, and “allow Army leaders to track the physical condition of their soldiers in real time.”

Aside from military members, Fitbit has a user base of more than 10 million people. Information can be viewed online, on a mobile device, or through the desktop application. Fitbit records movement and allows users to record other health information in the app. Fitbit then uses this information to show progress over time.

The manager of a companion app, called Strava, helps to map and display subscriber movement maps using FitBit and other fitness tracker devices. In November 2017, Strava published its global heatmap of 3 trillion individual global GPS data points uploaded from the previous two years. By zooming in on the maps, as Australian security student Nathan Ruser did, favorite trails used on bases previously undisclosed by military fitness fans were revealed. The heat map trails around and in Mogadishu could have provided potential targets of places frequented by military personnel for Somali dissidents.

As you can imagine, on August 7, 2018, the Army banned the use of geolocation features on iPhones, Apple Watch, FitBit, and other activity trackers with the following directive: “Effective immediately, Department of Defense personnel have prohibited from using government geolocation features and functions and non-government-issued devices, applications and services while in locations designated as operational areas. ” It has not completely prohibited the use or possession of the devices.

The (FitBit) law of unintended consequences

There are three types of unintended consequences (according to Wikipedia)

Windfall: A positive windfall, such as an accused murderer being found innocent of the charges because of his FitBit. Rather than show the achievement of athletic endeavor, he displayed inaction when crime would have required a lot of movement, as with Doug Detrie and Nicole Vander Heyder.

An unexpected downside: an unexpected detriment that occurs in addition to the intended effect of the policy, such as a FitBit showing an alleged victim of a crime rather than being the perpetrator as with Richard Dabate and his wife.

A wicked result – A wicked effect contrary to what was originally intended, such as when military personnel using a FitBit to track their physical progress reveal themselves as a potential target for an adversary.

Hopefully, none of these occasions will fall in the lives of any of my readers.

Stay in shape, keep a log, but keep in mind that you may be revealing more than you intended.

Starting a coffee shop: funding sources

In addition to having a business plan for a cafeteria, you must have your funding sources defined when starting a cafeteria. There are many options available to you, but we will talk about the most common ones.

SBA – So Many Sources Drive SBA Loans, SBA LOANS, SBA LOANS! First let me tell you that the Small Business Administration loan program is amazing, if you can get approved. Although lately they have loosened some of the requirements, it is still somewhat difficult to get approval.

First, the government does not lend the money. The standard program is a bank loan, although there are some microcredit programs available that use capital pool funds. Most of these loans are typically collateral loans and are backed by the US government, similar to HUD and FHA home loans. What that means is that if you default on the loan, the government will reimburse the bank for a certain percentage of the loan amount. That’s good for the bank and good for you if you can qualify for one of these loans. They are hard to come by, I’ll say it again, and there is a lot of paperwork to fill out and file. You must also have good credit, very good assets, a low debt-to-income ratio, and an unencumbered collateral.

Some SBA loans can take a while to be approved and then financed, but if approved, they generally have a repayment period of up to 7 years and a favorable interest rate. It’s best to speak with an SBA-approved lender for specifics, since the bank makes the decisions, the SBA only endorses the loan. You can also work with a local SBA office for more details or visit

Personal – This is the easiest form of financing, but least likely for most people. Try to put everything you can into this company out of your own pocket without ruining your marriage, your family, or putting your home in danger. If you get financing, you will be asked to contribute at least 25% of the total you need to start your cafeteria anyway. The more you have, the more the bank will know how serious you are and the more likely it is to fund you. They also know that the more you have personally, the less likely you are to run when times get tough.

Cash is king. Liquid assets are a great source of financing. Liquid assets are assets that can be turned into cash quickly, such as stocks, bonds, or a 401 (k). I only recommend any retirement plan as financing as a last resort. This is what I did when I had equity problems and couldn’t get a loan because I was maxed out. However, it is better to leave this money alone and look for other options.

Real estate equity – This is a good source of financing if you have enough equity in your home or other real estate. Interest rates are also usually favorable.

Friends and Family – If you can’t contribute everything you need, friends and family are a great way to raise additional capital. Just make sure it’s clear how you structure the money deal – are they investors, partners, both? Are you issuing stock to them in your corporation? Whatever the deal, get an attorney hired to draft the paperwork to make it legal. This service will cost you around $ 500-1000 or so and when it’s ready you’ll be glad you did. Explain all the details.

I once saw a man investing in a restaurant and the owner only wanted a loan, so they had a payment plan, but not a written contract stating what was what. The investor assumed he was now a ‘partner’, as a co-owner, and began attending daily, scheduling meetings, wanting to reorganize the store, and making suggestions for menu changes. That was not a pretty situation!

Investors – Most high dollar value investors want to see success before handing over cash to someone they don’t know. However, it can happen at first. You need to surround yourself with PWM: People with Money. This can also be the route of friends and family. Online and newspaper ads are fine, but they’ll most likely bring you more weirdos than actual investors.

Join local business organizations, talk to Economic Development Corporations and chambers of commerce in the areas you want to open, and ask them for investor referrals. Many investors avoid planting food and beverage related businesses, unless it is a liquor establishment, but they are out there.

Non-traditional lenders, also known as private equity firms, equity pools fall into this category. Their guidelines are less strict, but again, most want existing companies to look to expand. Nor do they tend to seek investments in the food industry because the risk is too high and they look for technology-type companies that have a higher return. However, this is certainly not the law.

Banks – Traditional lenders, they are hard to get on your side if you have NO money to kick or if you have marginal to bad credit and are unsecured. Sometimes just a lot of work, a lot of conversations, and an amazing coffee shop business plan may be what you need to help you out. A banker on your side who believes in you and has established a relationship with could be the one standing between you and a financed loan. Treat them like gold.

Credit Unions: Usually, most don’t do much when it comes to business financing, but for those that do, their guidelines are a bit more relaxed than a traditional bank, such as those for personal finance, but you will still have to qualify.

Credit cards: I do not recommend this option! If you use them, make sure they have a very low interest rate, even 0% with some of the introductory rates that some banks offer. You may want to have backup cash in case you have trouble with one.

However, be careful because after the introductory period is over, the rate may go up more than you think if you still have a balance. Also, if you are late once, you run the risk of having your rates increased. That’s when the credit card company raises the interest rate to the predetermined rate, as high as 29%! Yes, it should be illegal, but unfortunately for us, it is not. They can also increase the rate whenever they want, regardless of whether it is in default or not. You agree with them; that is, the fine print. Once the rate is there, it is very difficult to lower it again. Chase is most famous for this. Just be careful!

However, credit cards are good to buy, if you get reward points or airline miles programs. I have several that I use to buy and have earned multiple airline tickets and thousands of dollars in gift cards for using the cards and earning points. On top of that, you can save more time for your accounts payable by planning your billing dates correctly.

So, whatever funding source you choose to open a coffee shop, make sure you know what you’re up against. Do your research and talk to the people who can help you. Stay focused and well informed regarding your planning stages. Make sure your prospective lender gets a copy of your coffee shop business plan. All lenders will want to be sure that you know what you are up against! Good luck.

Farmhouse sink: a classic style in your kitchen

A farmhouse sink is a great way to give your modern kitchen a home-country look without going through a complete renovation. With a wide variety of modern features combined with retro style, there are many apron sinks on the market to suit your needs. The next time you decide it’s time to liven up your kitchen, it may be worth taking a look at some classic farmhouse sink designs.

Classic farmhouse kitchen sinks are designed to mimic those used on older farms by offering the same functionality and durability as an older sink. While modern kitchens often have small stainless steel sinks with multiple sinks, older apron agricultural sinks are quite different. They were designed with a large basin to accommodate the large pots and pans that were used to cook and preserve different things like jams and fruits in large quantities.

The farmhouse sink also has what’s called an apron, or front, which is usually displayed after installation rather than hidden by the countertop or cabinet doors, as sink fronts are. in modern style.

If you want to stay true to the roots of the farmhouse apron front sink, you should invest in one that is made of ceramic or a fireclay type of material. These are the most authentic country designs, however you can also find stainless steel, granite, or even copper sinks that combine an old-style color with the same classic farm-style designs. Fireclay and ceramic sinks are usually found in white, but they can also be found in other colors so you can match your sink to your kitchen decor. With such a huge variety of sink materials on the market, you can mix a bit of your grandmother’s kitchen with your own modern taste for the perfect blend of old and new.

Although old-style farmhouse sink designs are true to the single-sink design, various manufacturers understand the modern desire to have multiple sinks to accommodate different cooking styles, garbage disposals, and other common daily needs. If you are not the single sink type, you can find farmhouse kitchen sinks that have two or even three sinks of various sizes to suit your needs.

Whether you want a super classic sink or something that combines a classic piece of farm life with your modern needs, you are sure to find a wide variety of apron farm sinks that will serve you well throughout the years. With great durability and functionality, you are sure to love a classic or modernized farmhouse sink in your home.

Economy and fuel efficient cars from the house of Suzuki

There is no denying that there is a great need for profitable and fuel efficient cars in India. The Japanese automobile giant Suzuki, in association with the Indian brand Maruti, has presented several options to meet these precise requirements of the average consumer. In fact, in terms of price, ride quality, fuel economy, and customer service, Suzuki appears to outperform its competitors. Here’s a quick look at some of Suzuki’s economical and fuel-efficient hatchbacks:

Suzuki celerio

Revered as ‘India’s most beloved hatchback car’, the Suzuki Celerio has set some new ground rules. With the introduction of the automated manual transmission mechanism, available at a very affordable price, the car eliminates the convention that automatic cars are more expensive than their manual counterparts. While the look is fresh and eye-catching, the spacious interiors provide that extra legroom that everyone craves. Equipped with a 1.0-liter 3-cylinder K-series petrol mill, expert in delivering a maximum power of 67 hp and 90 Nm of peak torque, along with an impressive mileage of 27.62 kmpl (diesel) , the Celerio stands out as a good engine. inexpensive alternative to rival brands.

Suzuki Wagon R

With spacious interiors, fresh looks and fuel-efficient driving, the Wagon R is a car that offers value for money in its truest sense. The gasoline engine offers a maximum power of 67.1 hp at 6200 rpm and a torque of 90 Nm at 3200 rpm. Also available in a CNG variant, the Wagon R provides superior ride quality on highways and in city conditions. Equipped with a state-of-the-art braking system, it allows the driver to handle sudden braking situations with ease. It’s a great option for buyers looking for a low-maintenance, cost-effective ride.

Suzuki swift dzire

DZire is one of those few sedans in India, which has been getting good sales figures for a long time. With a four-speed automatic transmission and a five-speed manual, powered by a 1.2-liter four-cylinder VVT petrol engine, combined with an engine that produces 84.3 PS at 6000 RPM, the DZire incorporates a host of advanced functions. . The 2015 version promises to deliver a mileage of 26.59 kmpl, a significant increase compared to the previous 23.4 kmpl.

Due to the presence of these cars in the market, the Indian middle class has a lot to celebrate. There is no doubt that Suzuki is helping your dreams come true.

For Suzuki spare parts requirement, one can contact a reputable auto spare parts dealer, which supplies reliable and genuine products.