Summer Day Trips

When summer rolls around, everyone has the same thought. What can we do? Summer is the time to enjoy time off, enjoy the weather, and enjoy going places. When you are trying to find places to go it can either be visiting family/friends, going on vacation or even just day trips for new experiences. When kids are involved you especially want to do what you can to make their summers memorable. Day trips can be perfect for this because they allow you tackle multiple locations in a short period of time making summer time buckets of fun. Below are some options of day trips that you can do with your family.

Beaches

One option for a day trip are beaches. The beach (if you are fortunate to be within driving distance to one) is always a good time and can be done in a day if planned properly. It can be a day of relaxing if you don’t have kids or a day of fun if kids are involved. Be sure to explore where you can have a homebase like a bathroom or such for you to change and rinse off before heading home. Some beaches offer chair and umbrella rentals to make the day trip planning even more easy. It will allow you to relax and enjoy reading a book, play a game on your phone like Promo code from Tropicana casino, or read a magazine. You can also visit restaurants for breakfast, lunch and dinner before heading home.

Parks

Parks are another option for day trips. Not only are there national or state parks that can offer you a good time but you can also simply look up well known playgrounds in the driving area that are worth the trip. State parks are often a good option if you would like to hike or take in the beauty of waterfalls or landmarks. Kids often like to try out new turf and take in new playgrounds as well.

Amusement Parks

Amusements parks are also a fun option. All throughout the country you can find various forms of amusement parks, water parks, zoos, aquariums, etc. that can be fun to drive to and visit. All are different in their own way. They often offer discounts as well in the summer. Some local libraries offer discount tickets or even free tickets for you to reserve.

Shopping

There are often good shopping venues  to explore. There are a lot of outlets that are outside so you can walk around and enjoy the weather as well. There are also malls that may be worth the drive to explore on a rain day.

Take these tips to start planning your summer bucket list and have the best summer of your life!

How to Fund a Small Business

When you have a business idea, you need to go through all of the proper steps to make sure it is actually doable and that it is set up properly. Besides an idea of what you want to do, you need to make sure you can afford it! A lot of times there are entrepreneurs who have the ideas but not the funding. There are many sources of funding, but it can be overwhelming. Below is an outline of a few options to help you consider you best course of actions.

Quick Loans

Sometimes you are in a pinch and need money fast. Quick finance can be done online simply and quickly. Especially short term loans. You can get money in your wallet in a timely manner and get you rolling on your financial business journey. Another plus with this option is you are able to get this type of loan even if you have bad credit. The problem is, you typically pay for these conveniences. It is usually the most expensive loan.

Saving

This seems like an obvious answer, but you can save for your business and start it on your own. Take any extra money you have in your budget and set it aside each week or month. Obviously this method is not a quick fix but it will feel great when you accomplish your goal.

Angel Investor

Get support from family and friends. There may be someone in your life that will provide the start up costs. There may even be angel investors you can discover that are interested in your line of work. These people may be able to mentor you through the start up of your business and help you help them!

Small Business Loan

There are other types of loans out there besides a short term loan. A small business loan is also an option but the thing with this product is that there are more hoops you will have to jump through to obtain it. Under law, small business loans can’t guarantee loans to businesses that can obtain the money they need on their own. So you have to apply for a loan on your own from a bank or other financial institution and be turned down.

All of these forms of funding are options for a new start up business. No matter the line of work or industry, there are different ways for you to begin your journey. It is best to research with your bank or a financial advisor to see what will work for you.

 

What is the Difference Between a TIN and EIN?

Starting up a business can be a daunting task if you are not quite sure with how to go about the process. One common area of concern is the TIN and EIN. The numbers may look complicated but they are there to make sure that you have a smooth transaction. Before you decide to apply for EIN online, it is best for you to differentiate it first with TIN.

 

They’re More than Just Numbers

 

TIN refers to the tax identification number while EIN is the employer identification number. They contain nine digits and are being assigned by the Internal Revenue Service (IRS). The IRS utilizes the number to determine the taxpayers required to file different sorts of business tax returns.

 

The TIN / EIN is being used by sole proprietors, partnerships, corporations, estates, trusts, nonprofit organizations, government agencies, and all other business entities.

 

Not Quite the Same

 

While some may use TIN and EIN interchangeably, they are actually not the same. TIN is a broader spectrum as there are five different types of TINs. They include the EINs, ITINs (Individual Taxpayer Identification Numbers), SSNs (Social Security Numbers), PTINs (Preparer Tax Identification Numbers), and ATINs (Taxpayer Identification Numbers for Pending U.S. Adoptions.

 

These can be secured by simply filling out the corresponding forms. Gov Doc Filing can easily help you out in securing the TIN.

 

EIN, on the other hand, is a type of TIN. It is assigned only to business entities and not to individuals. The EIN helps in identifying the business as a separate entity when it comes to tax-related matters.

 

This is also the appropriate TIN to be secured in the event the trusts and estates generate income from their financial interests. The revenues must be reported using Form 104 or the U.S. Income Tax Return for Estates and Trust.

 

Ready to apply for an EIN online? Seek the assistance of Gov Doc Filing today.

 

5 Ways Your Garden Can Save You Money

Planting, growing and maintaining your own garden is a blissful, rewarding experience that you can enjoy every day. The great thing about plants is that they come in every size. So, whether you have a window sill, balcony or sprawling plot of grass, you can utilize it to its full potential with the right plants.

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To the uninformed, a garden may seem like more of a money drain than a money saver. But it’s easily possible to save significant amounts of money in the long run, especially if you eat fruit and vegetables as often as you should.

With this in mind, here’s how you can save, or even make money with your own garden.

Raise Some Chickens

Purchasing some hens from your local farm will cost you close to nothing. All you’ll need is a reasonable size coop, some feed, water and a bit of time, and before you know it, you’ll be picking up free eggs 2-5 times per day, leaving you with more than enough to eat and even some to sell if you fancy the idea.

Fruit And Vegetables

This no-brainer will save you hundreds, if not thousands of dollars per year in shopping costs. Figure out what you consume most, find a place to plant it, and watch your receipts grow shorter. The savings are astronomical and your contribution to the environment by decreasing demand for store-bought fruit and vegetables will be appreciated by future generations.

If you’re concerned about how your garden looks aesthetically, it’s not difficult to make even the least attractive veggies look great. Surround your plantations with some landscaping stones and pick up a few water features or even a gnome to stand guard.

Make Your Own Compost

Why buy compost when you can simply make it yourself while also adding less pollution to landfills? Fruit and vegetable peelings, cardboard, wool, egg shells, coffee filters, spoiled rice and coconut milk are all great ingredients that your plants will love.

Collect Rainwater

Shave digits off your water bill by collecting freely available rainwater. You don’t need to invest in a huge rainwater tank and gutter system to get started. A few buckets are all you’ll need, especially if you’re only using the water to hydrate your garden. Once again, not only are you saving money, but you’re helping the environment as well.

Start An Apiary

In case you just had a heart attack, an apiary is a colony of bees – not apes. Getting your own hive, equipment, and bees will require some investment, but the long-term benefits are significant. Pure, well-made honey is an extremely valuable resource and a single hive can produce well over twenty jars annually.

With bees becoming increasingly endangered, they need all the help they can get from caring owners.

Conclusion

One of the greatest things you can do as a human being is helping save the environment. With your own garden, you’ll be doing exactly that while also saving yourself significant amounts of money every year on food, water, and transport costs.

 

Places to visit in Sacramento: Tourist Attractions in Sacramento:

If by any chance, you happen to be in California this summer. Then you can definitely have a great time if you know where to go in Sacramento. But fret not; we have done a thorough research to bring out the best places worth visiting in Sacramento.

Fairytales Town where your childhood is back:

This park should be on your bucket list. It will bring your childhood back to life again. This park is full of different sections; each representing a different fairytale or nursery rhyme play-set. This park has a total 25 play-sets which consist of different fairy tales and nursery rhymes; taking you back to the good old days when you were a kid. Fairytale Town has been educating and inspiring children for more than 50 years. It is located on the Land Park drive near the Sacramento Zoo.

Take a trip over the Tower Bridge:

It is one of the oldest bridges in the U.S built in 1935; it is definitely a place worth visiting while you’re in Sacramento. It is also known as the Sacramento River Bridge as it connects Sacramento country in the east to West Sacramento in Yolo County. It’s a great place to drive to but when you’re driving, make sure that you are following the traffic rules otherwise you’ll be caught and then you’ll be requiring the services of traffic ticket lawyers to bail yourself out. On this note, you can always rely on ticket lawyer Sacramento to help you.

The Abandoned Sutter’s Fort:

This fort was constructed in 1839 by John Sutter. It was the main centre of attraction in California before the start of the Goldrush. The gold was discovered 45 miles away from the fort and after the start of a Gold rush, the fort was abandoned. Now this fort has been declared as a National Historic Landmark. The fort is a place worth visiting, with its two storey adobe structure building.

California Automobile Museum:

This museum was founded by a group of volunteers in 1982. At the starting, the museum was the house to the biggest collection of Fords but now all sorts of automobiles can be seen in the museum. It is one of its kind and a major tourist attraction in Sacramento because of its truly diverse and exciting collection of cars.

Reliving the old times in Sacramento State Historic Park:

This 28 acres park covers all the area of old Sacramento business centre of 1850’s. It consists of all the buildings made during the Gold Rush including the famous Eagle Theater. These buildings at the Waterfront have seen history including floods, fire, to the political ups and downs. This area has become a massive tourist attraction for those who are keen to study the history of California.

The California State Rail-Road Museum:

We know that Sacramento is the home to fascinating attractions and museums. Out of all these, the California State Rail-Road museum is one of the most popular ones. Each year more than 50,000 people come over to visit this museum. This museum will take you back in time, to the discovery of train. You can find many used locomotives and railroad cars that were in use throughout the State in the past. There are six buildings in this museum; overall the museum covers an area of 225,000 square feet.

California State Indian Museum:

This museum was opened in 1940’s to tell the people about the native Indian tribe that used to live in the State of California. The museum has three sections showing different themes like; family, nature and spirit which were important to the Indians. The museum is full of photographs and artifacts showing the lives of native Indians and how they used to prosper in this State thousand of years ago.

Tax Benefits for Taking Company to Hong Kong

A lot of companies are heading to Hong Kong to take advantage of the stable political and financial systems. However, the primary goal is enjoying the attractive tax regimes. Hong Kong has worked extra hard in ensuring that more business can join and help to contribute its business based economy. As you purpose to take your enterprise to Hong Kong, what are the main tax benefits to expect? Here is an account of what to anticipate.

A very straightforward tax regime

Most investors coming to Hong Kong are interested in understanding their tax obligations even before commencing operations. This is very important for planning purposes. The administration has made the work of entrepreneurs easier by outlining all that businesses should pay after starting operations in the jurisdiction.

Once the process of company incorporation Hong Kong is over, your enterprise will be required to pay profit tax, stamp duty tax, and property tax. In addition, the Internal Revenue Department insists that every business has to maintain the tax-related records for up to about seven years. This makes it easy for the department to come and inspect the records if the need arises.

Hong Kong makes it easy to write off a lot of expenses against the company

Many people living in the western countries appreciate that tax laws back at home rarely allow them to write off expenses against their enterprises. They hold the view that transport costs and others such as rent should be considered business expenses. This means that the business should capture the expenses as part of its expenses. However, Hong Kong is different. Hong Kong allows the companies to write off these expenses and credits them to the company balance sheet.

Operations done outside Hong Kong can qualify for 0% tax

The tax model in Hong Kong only focuses on the transactions carried in the jurisdiction. This means that if all the transactions are done outside Hong Kong, there is a possibility of qualifying for 0% tax. This implies that you can run the enterprise without getting worried about double taxation. This is very important especially for companies that are in import-export niches where most of the transactions are completed outside Hong Kong. Remember that it is advisable to seek assistance from tax experts to take advantage of 0% status.

Enjoying special treatment through DTAs

Because Hong Kong is a business-driven economy, it never tires of working with neighbors both in Asia and beyond. The cooperation is mainly done through trade agreements that target helping traders enjoy special treatment when trading in respective countries.

To enjoy these DTAs, your enterprise only needs to demonstrate tax substance. This means that the Hong Kong authorities are convinced you have a positive impact on the economy. The DTAs could be the needed lever to help your enterprise increase sales and profitability. For example, the DTAs signed between Hong Kong and China indicates that when a Chinese company pays dividends to Hong Kong-based investor, the tax should not be more than 7% of the total amount by any of the two administrations.  You will also enjoy other tax benefits on royalties, investments, and interests.

How to Get Business Loans with Bad Credit

If you’re a small business owner, having bad credit can feel like a prison.

You need financing to pump much-needed cash into your business for growth and expansion…

…but not having good enough credit to obtain financing from a bank or traditional lender means you’re stuck in place.

Fortunately, alternative lending has exploded over the past decade and now offers small business owners with bad credit several great options for obtaining the funds their business needs, whether to pick themselves back up after a slow season or to expand into new horizons.

Business loans with bad credit: Your options

So, what are your options?

It might be a little hard to believe that there really are options available to small business owners with bad credit, but it’s true.

In fact, there are several:

  • Unsecured business loans: An unsecured business loan is typically based on cash flow, gross annual sales, and your business’ credit score (typically scores ranging 540+), up to as much as $2,000,000.00 and does not require collateral.
  • Business line of credit: A revolving credit balance you can use as the need arises (similar to a credit card).
  • Split funding: Also known as a merchant cash advance, split funding deducts a percentage of your credit card sales each business day to repay the loan, making them perfect for businesses whose cash flow fluctuates due to heavy and light seasons (such as Christmas).
  • Term loans: A quick chunk of cash typically used for a specific purpose such as to buy materials, new equipment, or hire new personnel before a busy season.

Now that you know some of your options, let’s take a look at everything you’ll need to get a small business loan even with bad credit.

What do lenders look for?

The first and perhaps most important thing to know is what lenders are looking for when they receive an application.

If you know what they’re looking for in advance, you can position yourself to be much more likely to be approved for a business loan even if you have bad credit.

Here are a few of the most important things that lenders are looking for:

1. Debt is low and under control

First, lenders want to see that your debt is not only low but under control. Are you on time or do you have late payments? Also, is there collateral on any loans involved? These are all important factors to look out for when preparing to apply for a business loan with bad credit.

2. Revenue is high and growing

Revenue helps lenders forecast your ability to pay back a loan. In a nutshell, it’s best if your revenue is not only high but also on an upward trajectory. If you’re currently growing, you’ll be in good shape to lenders (on paper, at least).

In addition, revenue helps decide what size of loan you’re approved for, so it has more than one purpose.

3. Cash flow is abundant and well managed

Cash flow is another very important metric because businesses want to see not only how you manage your money, whether you overspend and pay late or never stretch beyond your limits and pay on time, but also how much cash savings you have in case something goes wrong.

The reality is, no one ones what’s going to happen tomorrow. For that reason, lenders want to see that you have a nest egg you can use to continue paying off your loan in case business suddenly takes a dip.

A note on credit

While great credit isn’t necessary, it still helps to do everything you can make your credit look as good as it can.

If you have any tax liens, foreclosures, or bankruptcies on your credit, do whatever you can to take care of them and get them off your personal credit. This will go a long way in getting approved for a loan.

Clearly, not every business can fulfill each of the above points we just mentioned perfectly. In fact, very few can.

Simply use the above information as a marker for placing yourself in a position to have the highest chance of being accepted for a loan.

What are the minimum requirements to qualify for a small business loan with bad credit?

In addition to there being certain things that lenders look for when they review an application, there are also typically minimum requirements to even be considered for a loan in the first place.

They tend to be pretty easy qualifications to meet, however, they’re nonetheless required before your application can even be accepted.

Each type of financing is different, but here are what the basic requirements tend to be for many bad credit business loans:

  • Be in business for at least X months or years (typically, somewhere between 6 months to 2 years)
  • Have X amount of monthly gross revenue (typically $10,000 or more)
  • Must be in good standing (In other words, can’t currently be defaulted on a loan with another lender, etc.)

On top of those basic qualifications, you’ll also need a few documents to verify and proof certain information.

What documents do I need?

Every lender and loan product is different. However, the documents needed to apply for each tend to be pretty similar. And, regardless, it’s a good idea to have this stuff in order anyway.

Here are some of the documents that may be required by lenders for you to complete your application and get approved:

  • Business licenses
  • Proof of ownership
  • Property lease agreement
  • Personal and business tax returns
  • Voided check
  • Drivers license
  • Bank statements
  • Profit & loss statement
  • Debt schedule

Get a small business loan even with bad credit

Obtaining a small business loan with bad credit has never been easier.

And it’s not just possible, you have several great options to choose from in unsecured business loans, business lines of credit, term loans, and merchant cash advances (AKA split funding).

You don’t want bad credit to hold you back from getting the funds your business needs to grow. Now, it doesn’t have to.