Post about "Finance"

How to Get a Commercial Loan

Commercial Loans may be applied for if you are looking for loans for expanding your business in a commercial basis. A commercial loan is usually granted by a bank to business enterprise which may need the money to fund its growing requirements in an office or factory. There are a number of cases when a huge amount of money is needed for investment, like to buy new machinery and equipments, to buy more land for the expansion of the existing business or to set up new outlets for the sale of the finished products. You may apply for a loan if you need money for any of the reasons or for any other way of enhancing your business.For those who are constantly in need of money to enhance their business, there are the advantages of a Renewable Commercial Loan. This kind of loan is taken when the loan is repaid in the existing time period and then it again automatically rolls into another loan for the same time period. This is especially required by new companies who have to start delivering as soon as possible and still have not made adequate profit to meet the recurring costs of production by themselves. Once the company is well established and the profits are well enough to carry the business forward without any help, the loan can be terminated.Hence, if you are applying for a loan, you can be sure that the creditor will check your credit worthiness, that is, your ability to repay the loan. This is to ensure that you are in a position to repay the money that they are lending you. For this, they will want to know your credit history and will also check the returns of your existing company or the possibility of the returns in future in case of a new business. In case you fail to repay the loan, the business for which you took the loan will be confiscated. But as the rates of interest in such loan is not very high, especially for beginners and small companies, there is very less possibility of your not being able to repay the loan.Once you apply for a loan, take very good care to keep track of all the documents and the proceedings of the loan procedure. If you are submitting any documents, take care never to hand over the originals. Before signing on agreement, check all the clauses yourself even if you have a broker in between. Remember that it is your finances that are being managed so you should know all the details.

Shoe Repairs And Several Other Things When I Was 7

Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!

He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.

But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.

Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!

Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.

We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.

Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.

Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!

But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.

Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.

Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.

And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.

All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.

He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.