Peer 2 Peer Lending Can Help You Finance Projects


People should learn more about peer to peer (P2P) lending. It is very important that you work hard in order to learn how P2P lending can finance different projects. The best projects that are tied to P2P lending are well described.

People should not be afraid to take risks. You need to be able to protect different aspects of your overall financial health, but you should also have a right to make sure that you can live your dreams. Traditional banks do not make it easy for you to live your dreams. Lending Club can give you the microloan that you are looking for you to launch a startup.

Low interest rates can be tied to peer to peer loans. There are groups that can help you find the best peer to peer lending firm for your company. A company owner who wants to launch a second asphalt company may want to use a firm like Prosper in order to live out some of their dreams.

Common people can benefit from people to peer lending. You want to be able to set up different sources of funding in order to make sure people can get hired and remain active in the workforce. Warehouse general labor and the development of the crates that they lift are very important to so many different people. The best startups are going to be tied to services that people need.

Do you want to give your wife the wedding of her dreams? Many companies market the wedding loans that they can give out on a regular basis. There is a very quick approval process out there. Global barriers are going to be broken down because of the work that people do in launching peer to per lending projects. The detailed information that a borrower may have to provide can lend a certain amount of credibility.

People that hate the complex conversations that you can have with a banking officer can make a big difference. The complex conversations that you can have with traditional lenders can be quite intimidating. Peer to peer lending can be quite calming on the other hand.

Some people are tired of asking their friends and family for money. Do you need more money to fix that roof? You may want to consider peer to peer lending instead of having to ask people close to you to bail you out.

Are there a lot of different ways to limit loan losses? Business people know that you have to pay attention to different losses on top of a balance sheet. Clean energy projects can definitely be funded with these loans. Can you people building a bunch of windmills if they are actually unable to get a loan? I have my doubts.

Mansions are not likely to be saved with peer to peer lending, but a middle class homeowner can definitely put a rail on their home with one of these loans. A lender has to be honest during the process. Honesty can lead to good results and future opportunities.

Obtaining the New Dream: Healthy Finances!


In a time when jobs are at a premium, housing market has plummet and gas prices, money is something that we all should keep our watchful eyes on. Keeping your bank accounts and bills in good standing can be accomplished with a simple tool that almost every computer already has: a spreadsheet.

How to use the spreadsheet

Using the mentioned spreadsheet (download to your own computer), start with your current bank account balance for simplicity. From that point on, one can simply put in their normal expenses such as credit card & insurance which does not change from month to month in addition to bills that fluctuate. Most bills allow for you to see the average on your paper statements or website. When entering in this information, you can a pretty simple visual of where all your money is going.

This spreadsheet also allows for an allowance. Not the type that you would pass on to a child but for your own bank account to use however you would like. It could be something as small as $25 but something that gives you the freedom to buy a DVD, video game or something else that you would not budget for and would not need to budget for.

The break in the spreadsheet is to represent pay periods. In my case, I get paid twice a month and some bills are due during the first paycheck and others the second. If you use the spreadsheet, cut & paste bills in a way that works for you based on the various due dates.

After plugging in all your information, this should help you see where you are stand with money each pay period and make the adjustments necessary to improve your bank account(s) and save money for that next big purchase.

In the long run, your family will thank you, your bank accounts will love you and you will be worried free when it comes to money issues should one occur out of the blue.

Simple solutions that will help improve your finances in no time without having to have a financial advisor.

President Obama’s Affordable Health Care Act Will Help Me Quit Smoking


I’m not proud of being a smoker. But, the fact is here in n my Early 40’s, I need to quit smoking and I know it. Working indoors in a retail stocking position with weak air conditioning under this hot Louisiana sun shows me more daily, how limiting of an addiction it is. It’s a hard addiction and not one easily explained.

If the Supreme Court recognizes the constitutionality of national health care, folks who truly need help – like me – will overcome a major weakness. I’m not the only one. As discussed on the New Yorker, this coming March 26, 2012 will be a day for us all to learn if we are intent on taking care of one another or not. I’m the same as many other Americans right now. I’m in need of medical treatments I’ve avoided due to lack of resources to pay for said care.

The bill signed by President Obama will be the help I need to quit smoking. Of course, I understand why others might wish to look down on me for being a smoker. It’s easy to judge and I’m obviously offering myself to be subject to it. Should any of us have ever become smokers? No, of course not. Are we the sole source of blame for having become smokers? Yes…and no.

At the very least, someone was actively selling them somewhere. Getting addicted to smoking tobacco wrapped up in pretty white paper – actually partially-igniting it and inhaling the smoke into our lungs – was a habit we had to work ourselves into. Our bodies even first rejected it. We made ourselves smoke. I’m only one of millions of tobacco-addicted people needing to quit a tough addiction we’ve worked so hard for. To come away from such an addiction will require help. The right way is with medical help. As an American in my income bracket, frankly, I can’t get the help I’m really going to need.

Being tax-funded, everybody should only need to contribute a little bit of what it would costs.

Since we’re all in, the overall costs will be much less to bear. I’ll be contributing my share too. If such a health system actually exists, why shouldn’t we all use it? We’ll certainly all be paying for it.

Is there anything scary about the Affordable Health Care Act?

While a public health care system could be worth having if operated correctly – the key word here is “correctly.” As a nation we need to install safeguards to insure prevention of any sources of public funding of health care from being “borrowed against” for bureaucratic vote-buying “projects.” Seeing as how important it will be to all Americans, we need to operate according to the lessons of Social Security. To be clear, the only danger we have with such a plan, lies in those running it.

The president’s Affordable Health care Act can prove to be what we all need for our all-too-human health care needs. If such a health care system will help me, what will they be able to do for you? Still, we must also remember to safeguard it in every way possible from corruption and greed of future politicians. It will work if we just do it right.

more info you can check the video below:

Read These Top 4 Tips to Make Your Business Event Successful


Many businesses and organizations often find it necessary to host business events in London for various such as to impress associates and clients, highlight new products or services, and celebrate certain milestones achieved by the organization. Typical business events range from simple luncheons in office settings, to grandiose balls hosted in exclusive locations. Anything is possible depending on how much money a company/organization is willing to spend on such a function. Because such functions are commonplace in London, numerous event-planning companies ply their trade in city, which is the capital city of the UK. With so many service providers to choose from, choosing the right provider is not always easy. With that in mind, here are five tips that are likely to prove useful for companies in search of such services for business events in the city:

1.Budget Preparation

Prepare a comprehensive budget for the event in consultation with both the event planner and catering company. The event planner should outline the services that the caterer should deliver, and at what cost. Ideally, the catering company should deliver on all its obligations at the agreed budget without failure.

2.Menu Specifications

Specify the menu for the event to the caterer well in advance. The menu normally goes hand in hand with the theme of the occasion. As such, the event planner should outline the preferable cuisine for the function guided by the theme and expected guests. An ideal catering service should be able to deliver anything from simple drinks and sandwiches to lavish five course banquets depending on the scope of the event.

3.Event Services

An ideal company that does catering for events should provide all-inclusive services, so ask the event planner about the range of services offered by a service provider. Companies that bundle services such as catering equipment, meal preparation, drinks and cocktails, table settings and decorations, and guest serving are highly preferable over those that do not. Inclusive catering services are usually more affordable and efficient than separate services.

4.Location and Delivery

It is best to choose a catering service provider that is near to the venue of an event. This may seem trivial, but there are always the unpredictable factors. For instance, extra guests may arrive at the event prompting the need for more food, drinks, and catering equipment, or inclement weather or accidents may cause traffic snarl-ups resulting in late delivery.

The four points above clearly highlight the importance of proper planning for catering services. Some of the benefits of hiring catering providers for company events include the following:

• Ability to impress business associates and clients with great event organization.

• Invited guests and company staff can feast on a wide array of cuisines and canapés.

• All-inclusive catering services are easy to order for, and quite affordable to procure.

• Companies can avoid the hassles and expenses of preparing huge meals and finding the equipment and staff to serve invited guests.

Most organizations aim to hold outstanding business events. One of the ways of achieving this is by hiring a company that does great catering for events. Excellent catering services are often a key component of successful business events in London.

Simple Ways to Include Your Young Child in Gardening Activities

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Many of us take great pride in our yards and gardens. Children are always eager to help and are capable of doing so without being a distraction or burden, as long as you are patient. Here are five ways in which your darlings can help you outside and develop a love for nature.

1. Planting seeds. Take your child shopping in the early spring to pick out some seed packets. Get some potting soil and small containers in which to start the seeds. Put some potting soil into a smaller bucket. Have your child use a spoon to fill the containers about 2/3 of the way with potting soil. Show him how to put one seed into each container and gently push it down. Cover the seed with a little more soil and gently water it with a small watering can.

As long as nights are still cool, be sure to keep the plants indoors near a sunny window.

If you are planting seeds directly in the ground, place them where you want them and allow your child to push them into the ground and gently cover them.

Daily check the seeds for signs of growing. Show your child how to check the dirt for moisture and to then water accordingly.

2. Growing vegetables. Take your child to a nursery and look at the different vegetable plants that are available. Let her pick out a couple of her favorites, such as green beans, peas, tomatoes, or peppers. When you get home, have her help you plant them. Beans and peas work well in the ground; tomatoes and peppers work well in containers.

Be sure to allow your child to help fill the containers with potting soil, or to help dig the holes in the ground.

Put your child in charge of checking and watering the plants on a daily basis with her own watering can.

When it is time to harvest the vegetables, show your child how to gently pick them from the stem. Allow her to clean them when you take them inside, and to help prepare them for dinner.

She is more likely to want to eat the vegetables that she has helped to grow by herself.

3. Planting flowers. Allow your child to pick out some of her favorite flowers at your local nursery. Give him his own spot in a flowerbed. Let him lay out the flowers where he thinks they should go. Help him to dig the holes, and then let him put the plants in the holes. Help him pack the soil around them, then let him use his own watering can to water them.

Or allow him to create his own container garden. Give him his own pot and have him fill it about 2/3 of the way with some potting soil. Let him arrange the flowers any way that he sees fit. Help him to finish filling and pack more potting soil around the plants. Again, let him water and care for his very own pot.

4. Weeding. Take your child outside while you are weeding the flowerbeds. She can help you in two different ways. You can point out the weeds, then loosen the soil around them and let her pull them. Or she can be in charge of a small bucket, which you fill with weeds, then she empties into a yard waste bag or a compost pile. Do a combination of the two to maintain her interest.

5. Planting bulbs. Design your bulb garden in the way that you would like to have it look. Lay out your bulbs where you want them. You can use the bulb planter to dig the holes to the correct depths. Then he can put the bulbs in the holes and cover them with dirt.

As you are performing these tasks, teach your child the names of the tools and the plants. More importantly, just enjoy this special one-on-one time together.

Qualities of a Successful Business Owner


BusinessKnowHow reports that half of all new businesses fail within five years. The owner is the most important factor in determining the success of a small business. A business owner must have several specific qualities to give the best chance of success for the business.


Self-confidence is probably the single most important character trait for a successful business owner. It allows you to adhere to your goals to achieve the results you desire. A self-confident business owner can take personal responsibility for a setback instead of placing the blame on external factors such as the economy, the weather or bad luck. This type of outlook allows owners to focus on what they can change and learn from both good and bad experiences. Confidence also allows a business owner to set higher goals with each success without fear of failure.


Ambition provides a business owner with the energy needed to overcome the obstacles that inevitably occur when starting a new business. It also allows business owners to retain their vision of the business during hard times. Ambition provides the business owner with the energy needed to evaluate a problem objectively.


Business owners need discipline to emphasize quality in the products and services they provide. This trait causes business owners to place their personal seal of approval on the business. Business owners should spend about 80 percent of their time on running the business, according to BusinessKnowHow.


Courage in the context of running a business means that you are willing to take risks that other business owners are unwilling to take. Risk provides a greater opportunity for success and failure. A courageous business owner can fail repeatedly without becoming discouraged.


Business leadership is the ability to make decisions that sometimes contradict popular opinion. A good business leader can solicit opinions from subordinates and then make the final decision. Leadership allows the business owner to inspire subordinates to perform instead of always delegating.


The ability to think creatively is essential for a successful business. Business creativity involves the ability to improvise when needed, still maintaining a system of controls. All businesses must have a business plan, although the plan might change at some point. A creative business owner can modify his existing business plan to accommodate unexpected changes, while still fulfilling the vision of the business.

Sensational Soffits: Kitchen Decorating Tips for Creating Unusual Displays of Kitchen Art, Pictures, and Crafts


Kitchen décor plays an important part of the overall attractiveness of your home. If you would like to create an inviting and unique room using kitchen art, pictures, or crafts, look upward! Home decorating of kitchen soffits, or the space about the cabinets, can provide the look and feel you are after.

Why Soffits?

Kitchen soffit space offers a good amount of potential decorating area. Often kitchen soffits are left plain or simply painted to match the walls. Wallpaper borders look nice on soffits and are commonly used. But by decorating soffits with kitchen art, print pictures or crafts, however, you can create a unique, one-of-a-kind room.

Original Artwork on Kitchen Soffits

Original artwork displayed on kitchen soffits looks impressive. If you paint or draw, you’ll probably want to decorate the kitchen space with your own art. Original oil paintings, watercolors, or drawings all work well.

Choose artwork of close-up subjects, as small scenic pictures need more distant viewing than most kitchens provide. Canvases made for specifically for painting on the edges work well for kitchen soffit decorating. It is particularly attractive, from a standing viewpoint, to see the artwork spill over the bottom edge of a painting displayed on a soffit.

You can choose to frame your drawings and paintings used for kitchen décor or leave them unframed if painted on the edges. Watercolors and drawings should be protected by a framing product specified for that purpose. Check craft supply stores for different options.

If you would like to decorate your soffits with artwork, but are not an artist yourself, collect original paintings or drawings done by others. Leave them as found, or reframe them as desired.

Kitchen Art Prints on Soffits

Inexpensive prints also work well to decorate kitchen soffits. You can buy kitchen art prints online, or at local print supply or department stores. It’s also fun to collect old and new prints that you like at garage sales, thrift stores, and antique shops to be used for kitchen decorating.

Kitchen Craft

Some crafts work well for creating attractive soffit displays. Flat pictures using decoupage, collage, calligraphy, mosaic, or pressed flower techniques are all possibilities. If you are a craftsperson, you will probably enjoy creating your own soffit artwork. If not, buy original pictures at craft shows, garage sales, thrift stores, and antique shops.

Subject Matter, Color, and Theme

Whether you want to decorate your soffits with art, prints, or craft pictures, you will first need to choose a theme. Would you like a mixed assortment of all types of pictures? Or a kitchen display featuring one or two subjects? A relative of mine, who paints, created a colorful and striking soffit display of original oils featuring antique pitchers and flowers. She used the antiques in her own collect with flowers as models for the still-life paintings that decorate her kitchen soffits.

Themes can be carried out using art prints or craft pictures as well. For instance – kitchen prints of baking utensils and ingredients, or seed packet collages of floral craft pictures. The possible themes you can choose for your soffit kitchen decorating are endless!

You may also choose to use a color scheme in your soffit displays that coordinates with your overall home decorating or kitchen décor. Or choose a more eclectic approach, using a bouquet of mixed colors among the collection of soffit pictures. The choice is yours.

To display the artwork chosen, group the soffit sized artwork chosen in small numbers of three or four related, or cover the entire kitchen soffit area in side-by-side original art, prints, or craft pictures. Follow your own preferences in this home decorating project, and then enjoy the unique, sensational soffits that result!

Protecting Luggage or Travel Bags from the Abuse of Travel


A friend you are going to be traveling with throws your clean brand new luggage in the back of a filthy truck bed. Your luggage is being broke in after you’ve barely had time to pack it and not in the way you may have thought.

Luggage and travel bags can get worn and well traveled on the outside pretty fast if they are used a lot. Just the first time out can be harsh on the bags if they get pitched and tossed around if for nothing more then getting really dirty.

The bottom of the bag is the likeliest to be hardest hit feeling the brunt of impact. It’s also less likely to show dirt and trauma but it deserves protection to.

A quick way to cover the bottom is with sticky shelving paper. All you have to do is measure the paper to the bottom and cut the paper to match it then peel off the back and smooth it across the luggage. You can use wallpaper the same way except that you’ll have to run tape or school glue, which are easier to take off if you decide to remove the wallpaper, over the back of the wallpaper first before applying. You can also cover the bottom with carpet swatches, leftover carpet or a piece of rug. You’ll have to cut and glue the carpet or rug on since the tape is probably not going to give you the idea hold.

The sticky substance will remain if the covering comes off until it is removed. Covering can be replaced.

To cover the luggage or travel bags use a T-shirt and adjust the size of the shirt to that of the bag. If you have a small bag use a small size shirt if you have an extra large bag use an extra large shirt. The shirt will stretch and fit snugly if you get the size of the bag instead of going a size up in the shirt as with a medium size shirt for a small size bag. Cut off the sleeves of the shirt, sew the arm holes shut but don’t sew shut the neck or the tail of the shirt. Slip the handle of the bag through the neck. Think of the shirt cover as being that of a toaster cover except the shirt cover has a hole. Your luggage or travel bag is now ready to board whatever transport you will be taking.

Yoga Exercises for Flat Stomach and Also Fitness


To make matters worse, high levels of stress can and infrequently does lead to a further increase in the consumption of comfort foods such as takeaway food, which doesn’t exactly help to stave off all that stress (and neither does it help out with flattening that gut that many individuals have. )

It gets more painful. In addition to this, people in the western world are exercising less and much less. It’s no wonder why so many people are struggling with obesity and also depression. Many of these people have given up. They continually fail to motivate themselves to offer a healthy lifestyle another move. Of course, for many persons, the situation isn’t anywhere next to that bad. They may simply just struggle to lose those last few stubborn pounds of fat on the stomach.

Exercise, whether it be jogging or weight training, is one of the most beneficial ways in handling stress and getting rid of excess fat. Jogging and lifting iron might not be for everyone however. There could possibly be many reasons for this; injuries, lack of interest in these activities, lack of time, and so forth.

Something that might just become a great option for most, in any other case all people, is yoga. Everyone has been aware of it of course, but even now in the 21st century, not very many people have tried it for a longer time of time. This is the shame, as yoga could perhaps be crowned because king of methods in coping with stress. What makes these news better yet is that if yoga is done correctly, it can help you with trimming up your body and improving your posture too.

Despite reports such as these, many people still doubt the particular usefulness of yoga. Funnily adequate, these same people almost never fail to see that we now have benefits to be had via regular stretching. It’s not any more difficult to purchase yoga than it is to purchase stretching. Sure, to be honest, some yoga poses (or asanas as they’re often called) may be complex and takes some process and experience, but many yoga poses you can certainly pull off no matter what type of body type that you have or what your a higher level experience is.

All you should get into yoga is a willingness to master, some sort of a yoga mat and a good tutor. You’ll be amazed how soon you will notice the benefits of following a consistent schedule. You’ll feel a lot better about yourself plus your life. Your overall health will discover a huge improvement and your efforts levels might soar through the particular roof. What’s really amazing about all of these positive effects is that they are going to have a cumulative effect on possibly all areas in your life, whether it be your relationships or your productivity at your workplace. So you shouldn’t be surprised if you become hooked on yoga for life-long.

Praying for Universal Health Care, the Sarah Palin Chronicles


Sarah Palin is a Pentecostal Christian who attended the Assembly of God church in Wasilla, Alaska, for more than 20 years. One of the cardinal doctrines of the Assemblies of God organization is Divine Healing. Yes, that’s right. Pray to God for healing and if you believe hard enough, God will heal you.

Does this mean we must pray for healing instead of universal health care?

As governor of Alaska, Sarah Palin enacted the Alaska Health Care Transparency Act, which increases the health care competition, thereby lowering the cost of health care. This is a flawed plan, as it does nothing to increase or maintain the quality of health care. In fact, it decreases the quality, as each health care competitor will have to slash their costs to compete with the next provider.

Competition is good when it comes to retail outlets, but not for health care providers. Can you imagine the advertisements? ‘This week only! 50% off all prostate gland examinations with the purchase of a colonoscopy! That’s right folks! Hurry in!’

According to, Sarah Palin also believes in personal responsibility for personal health. In Palin’s State of the State Address to the 25th Alaskan Legislature in January 2008, Palin said, “Let’s remember that Alaskans are capable and created to work. So when government provides education and job training, every able-bodied Alaskan is expected to work and not simply rely on government to provide.”

As a Medicaid qualifier, I take extreme offense to Palin’s statement. The current health care system sucks, as evidenced by the millions of Americans who are without health care coverage. I work full-time and support two children on less than $15,000 a year. What does the government provide me? A Medicaid system in which I have to pay $250 out of pocket each month because of a recipient liability.

Nearly 46 million Americans (or 15.3 percent of the U.S. population) were without health insurance in 2007, according to the United States Census Bureau press release dated August 26, 2008. National poverty rates are at 12.5 percent, which equals 37.3 million people. According to the Office of Management and Budget, the weighted average poverty threshold for a family of four in 2007 was $21,203.

One of Barack Obama’s first presidential campaign promises was to sign a universal health care plan into law by the end of his first term in office. According to Obama’s response to a candidate survey by the American Academy of Family Physicians, Obama’s plan would guarantee health care coverage to every American and make health care coverage mandatory for children. Obama also supports extensive coverage on preventative measures. The cost of this universal health care plan, according to Obama’s reply, would be offset by the expiration of tax cuts for those who make more than $250,000 annually.

Is divine healing Sarah Palin’s answer to the health care crisis in America? Will Palin heal the sick as is happening at stops along the Obama campaign trail? Where does that leave the unbelievers?