What’s the Best Kitchen Worktop for you?

The central focal point of any UK home is the kitchen and the kitchen worktop is possibly one of the most important items. Not only is the kitchen central in the preparation of the daily family meals, but it’s also: an eating area, a place to do work, homework and even socialise. Therefore, it’s crucial that your kitchen worktop has the perfect surface to perform its daily functions, as well as looking good. It needs to be a place that is easy to maintain and will keep its contemporary look for years, and take the punishment of chopping and cutting, as well as spills and hot pans.

A fine granite finish has always been highly sought after, it’s stylish and luxurious as well as being hard-wearing and functional. There are a vast variety of shades and patterns and it doesn’t depreciate in value. A granite kitchen worktop is resistant to heat, hygienic and easy to clean. However, if your granite kitchen worktop is damaged, it’s very hard to repair and can cause issues to cabinetry, which has to support the immense weight of this heavy surface. Finally, as granite is porous it needs to be sealed biannually to avoid liquids and bacteria seeping into it.

Quartz kitchen worktops are currently the most popular of surfaces. Matchless in their resilience to punishment, being very hard to scratch, chip or crack, quartz is also very easy to maintain. Quartz is the most hygienic of surfaces and comes in wide range of textures, colours and designs. Whilst granite is a traditional favourites, quartz kitchen worktops have the added bonus of being easy to seem, produce and available in far wide a selection of patterns. They don’t need the necessary sealing that granite and other surfaces do and are not as heavy, so it doesn’t put pressure on the supporting cabinets.

There are few more versatile and hygienic kitchen worktops than ceramic. Ceramic comes in an endless variety of colours and patterns, and so can fit almost any taste and kitchen size or style. Ceramic is modern-looking and easy-to-clean, as well as being heat and moisture-resistant. However, as ceramic tiles provide an uneven surface they are prone to scratching and if become cracked, a tile needs to be replaced rather than fixed. So a small supply of tiles should be set aside because a pattern may be discontinued, which could lead to a mismatched or ugly repair job.

Laminate kitchen worktops may not be as popular as they used to be but they are still in high demand. Being hard-wearing, easy-to-clean and economical, this surface comes in an endless array of patterns and textures to suit any taste. However, it doesn’t have the same luxurious feel as wood, marble or quartz for instance. Laminate can be hard to fully match the seam and it has to be sealed twice-yearly to avoid potential water damage. Finally, it’s not the most resistant of materials, being susceptible to scratching and blistering if due care is not taken when cutting and resting hot pans upon it.

There are so many surfaces to choose from: granite, quartz, ceramic, laminate, wood, marble, glass, stainless steel and many more, it’s quite a problem to choose, but a good problem. Taking your time to balance the pros and cons of each material can give you a choice of kitchen worktops that will be a good choice regardless of the final decision.

Asia leads the global economy

IMF – the International Monetary Fund – raised its estimate of economic growth in Asia, Considering that the region is witnessing a rapid recovery from the global financial crisis ,IMF desired from Asia to adapt to the “new world” with the volume of the request Less important than Western markets for its exports.
In Asia  people can faind alot of  attractions like the sea, tourism, hotels, guest houses, business houses, skyscrapers and more.
The Fund has identified that Asia is leading the process of healing global economy out of its crisis, which began in the fourth quarter of last year. favored IMF report On the economic outlook For Asia and the Pacific released in Seoul on the growth of gross domestic product. The key to the Asian recovery is a return to normal after the sudden collapse in the financial markets and global trade late last year that caused economic stagnation of many countries.
Other major factor behind the recovery in Asia’s economy is the overall policy of engagement, strong and fast for the region with the global slowdown. but The Fund warned that one of the main challenges facing policy makers in Asia in the future is to maintain a policy to stimulate the recovery process has become self-continuity.
China leads The IMF predicted that China will continue during the next two years, her leadership of the Asia amid expectations that registered a growth rate of 8.5% this year and 9% next year. the Fund is favored to achieve the Indian economy grew by 5.4% this year and 6.5% next year.
As for the new Asian industrial economies are Hong Kong, Singapore, South Korea and Taiwan, as a whole will shrink expectations this year, but is expected to reach growth rates next year, between 3.5% and 4.3%.
The IMF forecast that Japan’s economy shrinks – the second largest economy in the world after the United States – by 5.4% this year to testify recovery to achieve a moderate growth rate of 1.7% next year.




Climatic changes reducing food production in Asia

Climatic changes reducing food production in Asia
Warnning reported that the climate changes taking place in the world today that can severely affect food production in the Pacific region, which can lead to increased rates of hunger and malnutrition in this region. The report issued in the Philippine capital Manila urged countries in the Asia to increase food production, especially of crops resistant to climate changes such as taro, sweet potato, cassava and the use of new technologies to improve traditional production systems.
The Pacific region is already facing crisis of coastal erosion and flooding, drought and strong winds as a result of climate change. High temperatures and swelling tide as a result of climate change could reduce the food supply in the Pacific.
With more than 10 million people in the region, this means there is a risk we can not ignore. It must increase investments in agricultural research and development as well as training in areas such as plant breeding and management of resources. Communities need to work together to find better ways to accommodate the changes required and the agricultural States to work together and with regional organizations. The report also noted that improved coastal fisheries management systems can also be a means of improving food security in the region. The report pointed out that agricultural productivity in the Pacific region declined during the past 45 years despite population growth.
Climate changes have occurred as a result of excess production of carbon dioxide due to human activities, as well as due to reduction of the consumers of this gas is definitely unfair to the forest and must for a solution that passes through these two axes and the best solution is to fight deserts and converted to agricultural land rainforest by planting its coast and the introduction of humid air masses coming from the sea to it to fall after the rain


How To Make $5,000

How To Make $5,000 A Month Or More

Article Entitled: How To Make $5,000 A Month Or More


In this day and age, everyone seemingly knows how to put together and hold a garage sale. Yet if this is so, why is it that some people are lucky to gross $150 while others consistently make $1,500 or more from their garage sales.

Pick almost any city or town in the country; drive through any middle class neighborhood or residential area on any weekend. You’re sure to spot at least a half dozen garage sales. And what’s being sold at these garage sales? The accumulated ‘junk’ that a lot of people no longer use or want taking up space in or around their homes.

Is it hard to hold a profitable garage sale? Not in the least! All it really takes is some of your time, and an awareness of a few merchandising tactics. But to be really profitable, you must know how, and exercise careful planning.

First, let’s look at some of the background. Everyone accumulates items that other people are searching for, and are willing to buy. These items range from discarded or outgrown items of clothing to furniture, tools, knickknacks, books, pictures and toys.

Start by taking an inventory of all the things you have ‘just taking up space’ around your home. Decide which items you’d be better off getting rid of, and make a list of these things. These are the things you are going to put up for sale. And if you are honest about what you really want and need, the pile will grow if you look over your house hold a second and third time! Remember that manygarage sale offerings are items of merchandise purchased on impulse, and later found to be no t what the buyer wanted. It is the human condition: We discover too late that we don’t like or have use for things purchased; we ‘outgrow’ in size or taste articles that once fit, or pleased us. You’ll find that many items offered at garage sales are gifts that have been given to the seller, but not really suited to the recipient. In other words, it will be to your benefit, before you stage your first garage sale, to take a week or so to browse through all the garage sales you can find.

The problem is, most people just don’t have the time or energy to gather up all the items taking up space around their homes and staging agarage sale to get rid of them. Believe it or not, many people really don’t know how to stage a garage sale; and a lot of people feel that putting on a garage sale is just too much bother and work.

This is where you enter the picture. Your enterprise will be an ongoing garage sale of items donated and collected from those people who lack the initiative to put on garage sales of their own. In other words, you can become a ‘liquidator of people’s junk,’ via super garage sales that you promote.

A Guide To Business Credit For Women

The need for financing is a critical and perennial concern for the owners of small businesses. Indeed, few things are as crucial to the health of a small business operation. Many small businesses are launched by the personal resources of their owners. But they can quickly reach the stage where the owner must look to the credit market for financial help in expanding operations. The banking industry is an important source of working capital. However, entrepreneurs may not realize that applying for commercial credit is a more customized process than obtaining consumer credit, and requires a great deal of preparation by the business applicant. This brochure may help to de-mystify the process and improve your chances of getting the credit you need.

Types of Loans

Banks and other financial institutions can assist you by providing funds through personal or commercial credit. Examples of personal credit include automobile loans, credit cards, and home mortgages. Commercial credit includes business loans; here are some of the options:

Short-term loans are one of the most common types of business loans and are usually for less than one year. They can provide interim working capital for a business temporarily in need of cash, and are typically repaid in a lump sum when inventory or accounts receivable are converted into cash.

Intermediate-term loans are often used for a business start-up, the purchase of new equipment, expansion, or an increase in working capital. The maturity dates range from one to three years.

Long-term loans generally are made for major capital improvements, acquiring fixed assets, or business start-ups. The term of the loan runs for periods of three to five years and is usually based in pan on the life of the asset financed. Repayment is usually made in monthly or quarterly installments.

A line of credit offers you the ability to borrow money repeatedly, up to your credit limit, without having to reapply. A line of credit is particularly important to businesses that experience seasonal fluctuations. The lender generally will perform a review once a year, at which time the borrower is asked to provide updated financial statements.

The Credit Application Process

Applying for commercial credit can be tedious. It calls for more documentation than you might initially have expected and certainly a lot more than when you apply for consumer credit. For lenders, extending credit to an entrepreneur usually means customizing the loan to suit the credit needs of that business. So don’t be disheartened by the amount of paperwork needed to accompany the application. Instead, be prepared!

Among the best assets you can bring to the lender is a well thought-out and documented business proposal. You need to clearly state the purpose of the loan (will the money be used for temporary working capital, buying equipment, or expanding facilities); the amount of funds needed and for how long; and a repayment schedule. Your business proposal should include the following information:

* business description that tells the nature of the business, describes the product and its market, identifies its customers and competition.

* personal profile that outlines the background and experience of each of the principals in a resume.

* proposal that states the type of loan requested and its purpose.

* business plan that outlines your corporate strategy. for the next three to five years; it will aid you and the lender in determining whether the business will generate the cash flow needed to repay the loan.

* repayment plan that tells how you propose to repay the loan or outlines a repayment schedule. The lender will be expecting you to repay the borrowed funds from the profits produced by the business. As a contingency, you might need to develop a plan on how you would repay the loan if the profits alone turned out to be inadequate.

* supporting documentation will include copies of pertinent papers that support the information contained in your loan proposal–for example, a lease, certificate of incorporation, partnership agreement, letters of reference, contracts, invoices or vendor quotes.

* collateral that you will use to secure the payment of the loan. Collateral can include business and personal assets such as inventory, equipment, and accounts receivable or real estate, stocks, bonds, and automobiles.

* financial statements, both personal and for the business. The business financial statement should be provided for the last three to five years of operation including a year-to-date interim report. It should contain a balance sheet showing business assets and liabilities, and a profit-and-loss statement showing revenues and expenses. The lender uses this information to calculate a debt-to-worth ratio for the business. Be prepared to provide copies of tax returns for the business for this same period.

The personal financial statement should list your assets and your liabilities. Identify the names in which title to each asset is held and its fair market value. You should be prepared to provide copies of your personal tax returns. You may be asked for a list of credit references. Lenders will check your personal as well as your business credit rating.

Lenders will carefully examine your financial statements and business projections. As a borrower, you must be fully prepared to answer questions about them.

* personal guarantees of the owners or other principals usually are required, even from an established business. The lender also may request another party’s guarantee such as a cosigner or a surety, or may request a government guarantee from the U.S. Small Business Administration or other government agency.

In addition to the personal guarantee that you give, under the Equal Credit Opportunity Act the lender is allowed to require another person’s guarantee should your application fail to meet the lender’s standards of creditworthiness. If all or most of the assets listed on your personal financial statement are owned jointly with your spouse, or with someone else, the lender is likely to require such a guarantee, But the lender may not require that your spouse be the guarantor,

In the case of secured credit, the lender is allowed to obtain a spouse’s signature on certain documents when the applicant offers, as security for the loan, property that the two own jointly, In this case, the spouse or other co-owner may be asked to sign documents–such as a mortgage or other security agreement–that would be necessary under applicable state law to make the property available to satisfy the debt.

Sources of Technical Assistance

Before you approach a lender, you might want to seek the advice of another, more experienced ‘set of eyes’ to review your business proposal, particularly if you are a first-time borrower. By doing so, you’d be getting the loan package in shape to make it easier for the lender to reach a favorable credit decision. There are some business support groups whose members could counsel you on how your package looks. A qualified counselor might even discover that you really don’t need more money, and instead suggest better inventory control, improved marketing techniques, or other changes that could actually solve your growth problems. One source of counseling available to small businesses is the Service Corps of Retired Executives (SCORE), which is sponsored by the U.S. Small Business Administration. Others might include accountants and financial advisers.

Once you are satisfied that your proposal is in good shape to present to a lender, set up an appointment to discuss your application. You will find that the lender can also be an excellent source of business and financial counsel.

If Your Application Is Not Approved

Most lenders, banks especially, are conservative in granting business loans. Given the obligation to their stockholders and depositors, they need to be sure there’s a good chance the loans they make will be repaid.

If your application for credit is not approved, find out the reasons why. Some of the reasons that lenders often give for denying a business loan include, for example, insufficient owner’s equity in the business; lack of an established earnings record; a history of slow or past-due trade or loan payments; or insufficient collateral. Finding out the reasons may help you qualify the next time you apply.

The lender will keep you informed about the status of your application. If you are considered a ‘small business’ (when your business revenues are $1 million or less, or when you are applying to start up a business), a lender has 30 days to let you know, either orally or in writing, whether or not you get the loan. The 30-day period begins after the lender has received all of the information needed to evaluate your credit request. If your application is denied, the lender must give you either:

* a written statement of the reasons for denial, or

* a written notice telling you of your right to obtain the reasons in writing. This notice may be given to you during the application process or at the time of the denial.

The lender also will keep for one year the records relating to your application.

Different rules apply for larger businesses (those with more than $1 million in revenues}. Within a reasonable period of time after getting all the necessary information on which to base a decision, the lender must decide and let you know whether or not you get the credit. Then you’ll have 60 days in which to ask for a written statement of the reasons why you were denied credit; this is important to remember because the lender need not notify you of this right. The creditor will keep records of your application for at least 60 days after telling you of the credit decision. If you request that records be kept longer, or ask for a written statement of the reasons for denial, records will be kept for one year.

Equal Credit Opportunity Act

Obtaining credit can be a difficult process for any business owner and especially for first-time borrowers. But keep in mind that different lenders have different standards; if you did not meet the standards of a particular restitution, you may still qualify elsewhere. If you have a full understanding of why the initial lender didn’t approve your application, with time and more attention to these areas, you can improve your proposal as a result and may succeed the next time you apply.

Women and minority applicants may be concerned that they have received less favorable treatment which is unrelated to their creditworthiness. All business applicants have certain protections against unlawful discrimination under the Equal Credit Opportunity Act. The Act makes it illegal for lenders to deny your loan application, discourage you from applying for a loan, or give you less favorable terms than another applicant because you are a woman or a minority group member.

Under the law, a lender may not take factors such as sex, race, national origin, or marital status into account.

In addition, the lender may not ask for information about your spouse unless your spouse has some connection to the business, or unless you are relying on your spouse’s income to support your credit application or relying on alimony, child support, or separate maintenance payments to establish creditworthiness. But the lender may ask you for information about your spouse if you are living in, or you are relying for security on property located in, a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin).

Whether your business is large or small, if you are not granted the credit, be sure to discuss any questions you may have with the lender.

If You Need Help

If you are not granted credit by the lender and you believe the lender may have acted unlawfully, you can seek further assistance from the regulatory agency that supervises the institution. A list of some of the agencies is contained in this brochure for your reference. If it becomes necessary to seek legal assistance, the Act provides some remedies. If you have been denied credit because of unlawful discrimination and are able to prove it, courts may award actual damages and in some circumstances may impose punitive damages against the lender. If a lawsuit alleging discrimination is successful, the court also may award court costs and attorney fees.

Federal Enforcement Agencies

All creditors are subject to the Equal Credit Opportunity Act (ECOA) and Regulation B (issued by the Federal Reserve Board), which contains specific rules governing credit transactions. The following is a list of the federal agencies that enforce the ECOA and Regulation B for particular classes of financial institutions. Any questions concerning a particular financial institution should be directed to its enforcement agency.

State Member Banks of the Federal Reserve System Division of Consumer and Community Affairs Board of Governors of the Federal Reserve System 20th & Constitution Avenue, NW Washington, D.C. 20551 (202) 452-3946

Non-Member Federally Insured Banks Office of Consumer Affairs Federal Deposit Insurance Corporation 550 Seventeenth Street, NW Washington, D.C. 20429 (800) 424-5488 (202) 898-3536

National Banks Compliance Management Office of the Comptroller of the Currency 250 E Street, SW Washington, D.C. 20219 (202) 874-4428

Federal Savings Association Consumer Programs Division Office of Thrift Supervision 1700 G Street, NW, Fifth Floor Washington, D.C. 20552 (202) 906-6237

Small Business Investment Companies U.S. Small Business Administration 409 Third Street, SW Washington, D.C. 20416 (202) 205-6751

Federal Credit Unions Office of Consumer Programs National Credit Union Administration 1776 G Street, NW Washington, D.C. 20456 (202) 682-9640

Finance Companies and Other Creditors Not Listed Above Division of Credit Practices Bureau of Consumer Protection Federal Trade Commission Washington, D.C. 20580 (202) 326-3224

Alternative Sources of Capital

The U.S. Small Business Administration (SBA), the federal agency created specifically to assist and counsel small businesses, suggests the following sources of capital in addition to banks:

Friends, Relatives, Individuals Savings and Loan Associations Insurance Companies Finance Companies Mortgage Companies Small Business Investment Companies Venture Capital Firms State Government Financing Sources Pension Funds Government Agencies (such as SBA) Private Foundations

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