Issuing stock is one of the two basic ways to raise funding to grow your business. If your business is new, or is growing, capital is necessary, and issuing stock involves selling pieces of ownership in your business to investors in exchange for cash. Issuing shares involves determining how much capital you need, and then determining an appropriate amount of shares to issue in order to raise that capital. If you need $5,000 initially for example, and decide to issue five shares to yourself, each share would be worth $1,000 each. Since you own five out of five shares, you would own 100% of the business. This would involve adding $5,000 of your own cash into your business, since you must pay for the shares. If you need another $5,000 later on, and you choose to issue an additional five shares to other investors (like family, for example) for $1,000 each again, you would see your ownership drop to 50%. This is because there are 10 shares outstanding now (five of yours, and five belonging to other investors), bringing your ownership down from 100% to 50%. Other than issuing stock, the other way to finance your business is by relying on debt. Issuing stock has several advantages as an option, and may be appropriate for your business. Firstly, if you are a new business, or a business with a poor credit rating, acquiring debt may be too costly or impractical. Lenders often charge higher interest rates to businesses with little or poor credit. Issuing stock leaves you with more cash available compared to debt financing. When you take out a loan, you will need to not only use up your cash flow to repay the principal, but you will also be required to pay interest. This eats out of your profits each month. Acquiring more debt makes your business appear risky. Investors look at how much of your assets are owned by shareholders, and how much is owned by lenders. The higher the proportion owned by lenders, the more risky your company is deemed to be by both future investors and future lenders. If your business fails, your assets will need to go to pay back the loans outstanding before shareholders receive their share. Issuing stock means giving up a piece of your ownership in the business (also known as diluting your ownership), which also means sharing your profits, sharing decision making, and sharing in all future growth of the company. In addition, if you ever want your ownership back, you will need to buy out the other shareholders, which may cost much more than the money that was initially raised by them. The more shares you issue, the smaller your ownership is in the business. This means you may have less say over the future course of the business. Using debt can also have advantages to your business. When you use debt, you do not dilute your ownership in the business at all, and the lender has no control or say over what you do with your business. You can also easily plan for loan payments because they do not fluctuate. Another benefit to using debt is that interest payments are tax deductible, which can reduce your overall tax bill. In addition, once the debt is paid off, you get to keep all the profits that will be made from the loaned money, whereas with issuing stock it would need to be shared with shareholders. Issuing debt is a good idea if you have good credit rating, and a profitable and stable business.

Summary: Familiarize yourself with the basics of issuing stock. Review the benefits of issuing stock. Examine the disadvantages of issuing stock. Consider alternatives to issuing stock.

You don't use harsh chemicals to clean a geode. Stick to a simple mixture of water and laundry detergent. Mix a splash of laundry detergent with warm water and gently swab the geode with a toothbrush. As the geode will need to soak to get completely clean, you will not be able to get off all the dirt and debris in the first round of cleaning. Simply strive to do your best. Mix a tub of water with a quarter cup of any household bleach. You can buy bleach at a department or hardware store. Submerge the geode in the bleach and let it soak for 24 hours. Make sure to wear gloves when handling bleach. After the geode has soaked, you can wash off the remaining dirt and debris. You can buy denture cleaner at most department stores. Use denture cleaner and a soft-bristle toothbrush to scrub off any remaining dirt stuck to the geode. Dirt that did not come off during the first round of cleaning will come off more easily after the geode has been soaked. Geodes have a lot of cracks and crevices. When cleaning the geode, make sure to get into these cracks to remove any dirt. Strive to be very thorough and inspect any crevices closely for lingering debris.

Summary: Wash the geode with laundry detergent and water. Soak the geode in bleach for a day. Clean the geode with a toothbrush and denture cleaner. Get into any crevices.

On a computer, "Wallet" is at the top of the screen. On the mobile phone app, "Wallet" is under the menu. Tap the button to navigate to the wallet. Your wallet is your list of debit cards, credit cards, and bank accounts associated with your PayPal account. You can link more than one. This button will bring up a page where you can choose what type of account you want to enter. Pick either "Link a Bank" or "Link a Debit Card," depending on your preferences. If you're not comfortable linking PayPal to your main checking account, you can set up a new, separate checking account with an online bank like Ally, Radius, Chime, or Aspiration. You will need the account information for whatever type of payment you decide to enter. PayPal needs this information to make payments for you. For a bank account, you will need to choose checking or savings. Then enter both the routing number and the bank account number. For a debit card, you will need to enter the card number, the expiration date, and the security number. While debit cards are instantly confirmed, you will need to take a few extra steps to confirm a bank account. You can either confirm the account instantly by entering your bank ID and password, or you can do it manually by watching for small deposits PayPal will make into your account. To do it instantly, enter your bank ID and password when prompted. PayPal doesn't store this information. To do it manually, watch for the deposits in your bank account over the next couple of days. They will be very small. Then, go back to the bank account screen on your PayPal account and enter the amount PayPal sent you in 2 separate deposits. Don't get too excited! These amounts are less than $1 USD, and PayPal withdraws them after a few days.

Summary: Click on "Wallet" in your account. Select the "Link a Card or Bank" button. Follow the prompts to add the appropriate information. Confirm your account if you're using a bank account.

Place the ab rocker on the floor with the headrest behind you. Lie down on your back inside the rocker so that your head is resting on the headrest and the upper roll bar is positioned above your chest. Make sure your head, neck, and back are straight, and that your back is resting flat on the floor. Once you're in position, bend your knees and put your feet together, with the soles flat on the floor. Raise your arms and lightly grip the upper roll bar above your chest. If you're a beginner, place your hands next to each other on the roll bar, directly above the middle of your chest. For more difficult crunches, place your hands shoulder-width apart. Slowly exhale through your mouth as you use the ab rocker to help you rock forward, lifting your head and upper body off the floor toward your knees. Make sure your abs are tight as you perform this action. Take care not to push too hard with your hands as you perform the crunch. You still want your abs to be doing most of the work. Use slow, controlled movements and make sure your head does not slip off the headrest. Once you've performed the crunch, hold it for 1-2 seconds before returning to your starting position. Inhale as you slowly lower yourself back down to the floor. When you're starting out, you may wish to do 3 sets of 7-8 crunches. You can gradually increase your number of reps as you get better at doing crunches.
Summary: Lie down with your head on the headrest. Bend your knees and place your hands on the roll bar. Exhale and bend forward with your abs contracted. Inhale and return to your starting position.