If you resell goods, then you might need a loan to pay your suppliers. In particular, a large order might require that you make additional investments in your company. With purchase order funding, the finance company will pay the supplier directly. This type of financing works only if your markup is sufficiently large. You'll need a gross profit margin of at least 30%. You can contact a financing company about this type of funding. "Factoring" is a funding technique where you get an advance against your invoices. If your clients are slow to pay, then factoring can provide you with the cash you need. You may immediately get around 80% of the invoice value. When your client finally pays, you get the remainder less any fee charged. You'll only qualify if your clients have good credit. For example, government or reputable commercial clients are best. Perform your research before working with a factoring company. Ask if they work with businesses of your size and ask about their experience. Also check if they have a minimum that you must factor. People who know you can also lend money to finance your business. This is probably an ideal option if you are borrowing a small amount of money. Approach family with the seriousness that you would a bank. Explain why you need the money and how you intend to pay it back. Consider paying your lender interest. This will also show that you are serious and not looking for extra money to spend on luxuries. Write up a promissory note and sign it. This will bind you contractually to paying back the money. You can finance a start-up or an existing business by using your IRA or a prior employer's 401(k) account. You have to roll over your current funds into a retirement plan created for the business. The plan then uses the proceeds to buy stock in the corporation. This is a complicated procedure, and you should hire a financing firm to help you with the process. Check how much the company charges and whether they charge a monthly advisory fee. Also think carefully before using your retirement savings to finance your business. You had earmarked this money to support you when you retire. If your business folds, then you'll lose these savings. Depending on how much money you need, you might use a credit card. Credit cards are a good option if you can get an introductory 0% rate for 12 months or more. Remember the following tips for credit cards: Make sure to get a business credit card. You want to keep your business and personal expenses separate. If you commingle them, then it looks like your business isn't really a separate entity, which could hurt you if your business is structured as an LLC or corporation. Use the card wisely. It's probably not a great idea to use the credit card for big purchases, like equipment. Instead, seek an equipment loan. Use your credit card instead for short-term financing, such as to pay travel expenses. You can get funding for one-off ideas, such as writing a screenplay or financing the creation of a rap album. You create an account with a crowdfunding site, and people who visit the site can donate to your project. Crowdfunding is only for small, discrete projects, not long-term financing for a continuing business. Common crowdfunding sites include Indiegogo, RocketHub, and Peerbackers. Visit these sites and read up on their terms and conditions. Your home may be the largest asset you own. Accordingly, banks will lend to you if you use your home as collateral. You can get an equity loan or a home equity line of credit (HELOC), which you can use to fund your business. With a home equity loan, you get a lump sum and pay it off in equal monthly installments. By contrast, a HELOC acts like a credit card. You use what you need up to a limit and then pay it back. Talk to a lender about the terms and conditions of taking a home equity loan or a HELOC. Compare interest rates and how much time you'll have to pay off the loan. Using your home as collateral shouldn't be your first option. If your business fails, then you will lose your home. You might be able to get a grant from the federal, state, or local government. Some non-profits also provide grants to businesses. Grants are often given to support emerging technologies and are typically reserved for specialized businesses. Grants are not a good option for most businesses. However, if you think you might qualify, then check your local business development office to see what is available. You can also use the BusinessUSA Financing Tool, which is available here: https://business.usa.gov/access-financing.

Summary: Seek purchase order funding. Get an advance against your invoices. Ask friends or family for a loan. Withdraw money from your retirement account. Use a credit card. Raise money through crowdfunding. Take a home equity loan. Search for grants.

Foods rich in dietary fiber help you control your hunger and lose weight in a number of ways. High fiber foods have a higher "chew factor." Put simply, they take longer to eat, increasing your sense of satisfaction. Foods that are high in fiber take longer to exit your digestive tract. This means you feel fuller longer. Foods containing soluble fiber such as oatmeal and beans help to stabilize your blood sugar over the course of the day. This means you don't feel as hungry. Fiber also helps to lower cholesterol in some individuals and bulk stool for better digestive health. Dietary fiber is found in a wide variety of foods, so adding this important element to your diet may be easier than you imagine. Try high-fiber cereals, beans, vegetables, nuts and seeds, and fruits. While your body functions best on a high fiber diet, if you haven't previously been eating much fiber it will need time to adjust. Start by introducing one high fiber element and then continue to improve your diet incrementally. You may replace your low-in-fiber corn flakes with a raisin bran cereal, for example, and then wait a few days before introducing salad with your lunch.

Summary: Understand the benefits of a diet high in dietary fiber. Choose high fiber foods. Proceed gradually when converting to a high-fiber diet.

Plug the power washer in, connect it to a water source, and turn on the machine using the switch. Hold the end of the power washer 34 inches (7.610.2cm) from the surface of the concrete and pull the trigger to shoot out water. Use back and forth strokes to clean all of the concrete completely. Focus on areas where concrete is loose or deteriorating. Look for a power washer with a fan tip that reaches 3500 PSI to clean your concrete slabs. If you don't have access to a power washer, you can get an attachment for your garden hose. Cleaning your concrete makes the resurfacer adhere better. Give the concrete 1-2 hours to dry after power washing it. When the surface of the concrete is dry to the touch, you can move on. Once the concrete is dry again, sweep the rest of the dust and residue off with a push broom. Work in small areas at a time to clean off the area entirely before moving on. Resurface your concrete on the same day you clean it, or else dirt and dust will start to form again. Remove the backing from peel-and-stick foam weather stripping. Push the weather stripping into the cracks between your concrete slabs so the resurfacer doesn't fill them in. Weather stripping can be purchased at your local hardware store. The expansion joints between slabs cannot be filled since they allow the slabs to shift naturally without cracking.
Summary: Use a power washer to remove dirt and loose concrete. Let the concrete dry completely. Sweep off the concrete with a stiff-bristled push broom. Cover control and expansion joints with weather stripping.