Resources Offered by the Small Business Association | The North ...

For those interested in starting a business, the Small Business Administration (SBA), can be an important resource. The SBA is well known as a source for small business loans, but they offer much more. The organization is an outstanding government agency with resources geared specifically to help small business owners start up and stay in business. And even better news is that many of those resources are free of charge.

?First founded in 1953, the SBA is an independent agency that provides counsel, aid, and assistance, designed to protect small business interests. Other focuses of the SBA include preserving and maintaining free competitive enterprise, as well as well as strengthening the nation?s economy. Small businesses are a vital part of this country?s existence, providing products and services to consumers while providing income to employees of the company.

Over the years, the SBA has grown and established a system for building the future of this country. Throughout their existence, the mission has remained the same ? assisting the American people in starting, building, and growing businesses of various industries. In addition to providing needed services to the United States, this government agency also aids businesses in the U.S. Virgin Islands, Puerto Rico, and Guam.

The services and programs offered by the SBA include contracting opportunities, loans, training programs, and even aid in the event of disaster. Although not all offers provided by the SBA are listed in this article, we have listed some of the key benefits associated with the services offered.

Financial Aid and Planning

Many small businesses fail within the first five years. This failure is often due to under capitalization and poor management. To create and build a small business, you need ready capital, coupled with the right knowledge and planning. SBA can help by calculating finances needed for the business, as well as strategies for proper management. They offer free assistance from business experts. These experts will review your business plan and provide advice on improving and strengthening your plan. You can also utilize their resources to develop your plan.

Disaster Relief

The SBA also has a special division called the Office of Disaster Assistance, which has the responsibility of providing financial assistance to homeowners and businesses in an affordable, accessible, and timely manner. The major benefit is the long-term, low interest loans. If your company were to experience disaster, the SBA would step up to provide assistance for repairing and/or rebuilding.

Miscellaneous Programs

In addition to the two programs mentioned, keep in mind that it has a variety of solutions specific to small business owners. For instance, you could take advantage of online training from the SBA, which includes a number of free online courses. Counseling and assistance is also provided by the SBA, offering help through Small Business Development Centers, Women?s Business Centers, and a number of national training events.

Finally, the SBA is known for reaching out to audiences that many other organizations or agencies would not touch. It has special programs, tools, and resources specifically available to veterans, women, Native American Indians, and young entrepreneurs. Remember, the focus of this agency is to make it possible for anyone to become a successful business owner in the United States. Over the years, the SBA has proven a highly successful entity.

Source: http://nafca.net/45-resources-offered-by-the-small-business-association

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Speedy bank account personal loan | VYSCHL? K?P?K

In a time of finance distress, the cash advamce or hard cash advance might be utilised to safeguard your superior credit history score. Not every person is conscious on this possibility, while agencies granting these short-term loans proliferate concerning the on line. Most are honest organisations; nonetheless, you might want to be aware that there are a couple lousy apples during this barrel of kilos. You can give protection to your best interests by verifying the standing for the business you plan to use to. The better Business Bureau may be a wonderful source to use since they will likely have a history of any complaints lodged versus a business.

The majority of the web sites on-line even provide you with these cash improvements while not costs for their purchasers. Which is so advantageous to your an individual who applies for that bank loan due to the fact the cash you would like will undoubtedly be instantly sent or forwarded to your checking deposit or should you would like it for being inside of a check out kind, these would be produced quickly right after you implement and enroll to the bank fast advance. Hassle cost-free in truth and of excellent benefit certainly to your payments owing and in your crisis preferences.

Creditloan.com gives a large number of expert services this kind of as car loans, funds developments, personalized loans, and credit history studies. Even so, aside from these kinds of products and services, they offer a ton of details and techniques about like loans and fiscal cases. Via their very own companies and lots of archives of article content, this web based company will help offer you both equally service and information which happens to be vital when addressing financial hardships. Within their report said, 'Payday loans can additional you into debt' creditloan.com features buyers because of the important information they need to have when thinking about a online loan cash advance or funds progress. When they state that inside the circumstance of the emergency these types of loans can function just fantastic, they also persuade borrowers to pay interest and browse every one of the wonderful print so they know accurately what they are entering into.

Look attentively at your spending budget previously determining the amount to borrow on a bank loan. Compute your bills in to the easy payday loans and don't overlook to help keep them in your mind all over. This hard earned cash must keep on being untouched for borrowing. Foundation your borrowing in the number of cash accessible to you the moment your spending plan expenses are coated. An effective guideline is usually to stay clear of borrowing a great deal more than twenty-five percent within your paycheck.

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Source: http://www.vyschlekopak.cz/content/speedy-bank-account-personal-loan

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Ace Daily Photo 1.24. 2013 The Lexington Tattoo Project | Ace Weekly

Ace Daily Photo
1.23.2013

The Lexington Tattoo Project: The Secret Identity

The Lexington Tattoo Project is a community art initiative from Kurt Gohde and Kremena Todorova in the form of a poem to Lexington written?as permanent tattoos?on the bodies of Lexington.? They are taking photographs of each tattoo and will use these photographs to create a video that animates the poem?read by its author, Bianca Spriggs.

Today, project sponsor Nick Kouns went under the needle at Charmed Life under Robert?s expert ink, for The Secret Identity.

?

Subscribe to the Ace e-dition for the latest news in arts, culture, and entertainment, since 1989.

Submit Lexington Daily Photos for consideration via acelist at aceweekly.com, or tag us on twitter, facebook, pinterest, tumblr, or instagram. Your photo may be shared with Ace readers in every possible digital and print format, including those not yet even conceived of, so be sure to include your name and a photo title.

Letter from the Poet, Bianca Spriggs

Dear Tattoo-Happy Lexingtonians:

Thank you for wanting to put my words on your body. This is the largest collaborative work I?ve ever had the pleasure of participating in, so I am raising the proverbial roof right now in your honor. I figured a few of you might be interested in how I wrote this poem. I rarely reveal the slight of hand that is involved with penning a piece, but for you, anything. So, for those who are interested in my process, behold:

First, the form. This type of poem is my favorite to tackle (only the best for y?all) called a contrapuntal. It is actually three poems in one. Here?s how you read a contrapuntal. You start with the left side as its own complete standalone poem (in this case, a narrative poem, or a poem that tells a story). Then, you read the right side as its own poem (in this case, a list poem, or a poem that sounds like what it is: a list). Then you read both sides from left to right and a third poem floats to the surface which could not have existed without its disparate parts. For those of you who are hardcore grammarians, you can relax. The third poem cares nothing for your earthly rules of punctuation. This is THEE universe we?re talking about here. Take the day off and enjoy my mad stream-of-cosmos skills.

As for the content, at its core, this is a love poem to, about, and for our city. I wanted to capture a bit of recklessness and headiness and heightened sensation and euphoria, the trappings of true love, but also work in some of the complexities that reveal themselves in any relationship as people grow together. Over the past few months, I?ve been using social media and personal interviews to figure out the best beloved locations and sentiments about our city. So, the narrative portion is all about name-dropping some of the more recognized spots in Lexington. Alas, if I had included everyone?s, well, we?d never be done with this project, so I included those which were mentioned the most. For the list poem, these were actual responses when I asked folks to fill in the blank: Lexington is the ____________ of the Universe.

Ultimately, this piece truly is written by you. I just did a little re-arranging here and there.

Live long and prosper,
Bianca

p.s. For you newbies?yes. Tattoos hurt. But like my good friend ?Cowboy? Dave, the steadfast bartender at Lynagh?s has been known to say, ?If it didn?t hurt, it didn?t happen.? Kinda like love. And poetry.

Source: http://www.aceweekly.com/2013/01/ace-daily-photo-1-24-2013-the-lexington-tattoo-project/

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I'm thinking of starting a blog...: Speak Up {Writing Prompt}

This is not an easy topic for me.

There are so many things I would LOVE to speak up about but feel like I can't at the moment.

I would love to speak up about what it is really like to live with someone with a brain injury.

I would love to speak up about how stressful it is to bear the weight of responsibility for EVERYONE and EVERYTHING in our family.

I would love to speak up about the many (half crazy) ideas I have brewing in my head for how I am going to manage in the long term.

But.

Is it fair on Murray for me to talk about him on the blog? ?Even if he consents (which he does) - is he really understanding what he is consenting to? ?In a few days he will have forgotten that he consented....is that really consenting?

Even though there is a part of me that wants people to know how stressful it is to be the sole carer for my family - there is also a part of me that doesn't want to speak up about that. ?I like to just get on with the job rather than talk about how I feel about it. ?What I do want though is for people to 'get' what is really going on. ?To get that I am effectively a single parent. ?To get that I am Murray's carer rather than his wife. ?To get that my life is not like theirs - the same rules don't (and can't) apply. To get that this is a BIG deal.

I would love to tell you about the long term plans I have brewing but I worry that people will judge me. ?Murray does not function as a husband, father or even really as an adult in our house - yes we are married - but this is not a marriage marriage. ?So what am I to do?

What would you do?

I can almost feel all the Christians reading this getting ready to reach for the comment button to tell me that I can't leave. ?Don't panic. ?I'm not leaving.

But please know that those of us who are in marriages where we are carers for our spouses - rather than partners with them - are not in 'typical' marriages like other people. ?We are essentially on our own. ?It is hard work. ?By choosing to stay with our husbands and honour our marriage vows we are choosing a life of loneliness and frustration. ?The marriage vows say until death us do part - that is a LONG time - day in and day out - to be alone but have no one actually realise that you are on your own.

I think I probably should stop speaking up now.

Maybe it's better to keep quiet?

{Ellen Stumbo Writing Prompt}

Source: http://thinkingofstartingablog.blogspot.com/2013/01/speak-up-writing-prompt.html

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Magnetic levitation tissues could speed toxicity tests

Jan. 24, 2013 ? In a development that could lead to faster and more effective toxicity tests for airborne chemicals, scientists from Rice University and the Rice spinoff company Nano3D Biosciences have used magnetic levitation to grow some of the most realistic lung tissue ever produced in a laboratory.

The research is part of an international trend in biomedical engineering to create laboratory techniques for growing tissues that are virtually identical to those found in people's bodies. In the new study, researchers combined four types of cells to replicate tissue from the wall of the bronchiole deep inside the lung.

The research is available online and scheduled to appear in a future issue of the journal Tissue Engineering Part C: Methods.

"One of the unique things about the magnetic levitation technology is that it allows us to move cells around and arrange them the way that we want for a particular types of tissue," said study co-author Tom Killian, professor and department chair of physics and astronomy at Rice. "This is the first time anyone has arranged these four cell types in the same way that they are found in lung tissue."

In vitro laboratory tests have historically been conducted on 2-D cell cultures grown in flat petri dishes, but scientists have become increasingly aware that cells in flat cultures sometimes behave and interact differently than cells that are immersed in 3-D tissue.

Killian and fellow scientists from Rice and the University of Texas MD Anderson Cancer Center co-founded Nano3D Biosciences in 2009 after creating a technology that uses magnetism to levitate and grow 3-D cell cultures. The technology relies on inert, nontoxic magnetic nanoparticles that are inserted into the living cells. Researchers can then use magnets to lift and suspend the cells as they grow and divide.

"Growing realistic lung tissues in vitro is a particular challenge," said study co-author Jane Grande-Allen, professor of bioengineering at Rice. "There are a number of technical obstacles, and scientific funding agencies have placed a particular emphasis on lung tissue because there's a large potential payoff in terms of reducing costs for pharmaceutical and toxicological testing."

Nano3D Biosciences won a Small Business Innovation Research (SBIR) grant from the National Science Foundation (NSF) in 2011 to create a four-layered lung tissue from endothelial cells, smooth muscle cells, fibroblasts and epithelial cells.

Glauco Souza, the company's chief scientific officer and co-founder, said the project switched into high gear when Rice bioengineering graduate student Hubert Tseng joined the research team as an intern. Tseng was already a student in Grande-Allen's lab, one of Rice's leading laboratories for tissue-engineering research.

"Hubert's and Jane's expertise in tissue engineering was invaluable for tackling this problem," Souza said.

Another collaboration that paid off big was a partnership with a group of undergraduate students at Rice's Oshman Engineering Design Kitchen. The undergraduate team, Cells in 3-D, worked on a magnetic pen that could be used to grab, move and combine magnetized 3-D cell cultures. Souza said Tseng used a version of this tool to create layered bronchiole tissues for this new study.

This microscopic image shows the structure and layers of in vitro bronchiole tissue created at Rice University and Nano3D Biosciences. The cell layers include epithelial cells (EpiC), smooth muscle cells (SMC), pulmonary fibroblasts (PF) and pulmonary endothelial cells (PEC).

Tseng said the new tissue resembles native bronchiole tissue more closely than any other tissue yet created in the lab.

"We conducted a number of tests, and the tissue has the same biochemical signature as native tissue," Tseng said. "We also used primary cells rather than engineered cells, which is important for toxicological testing because primary cells provide the closest possible match to native cells."

Souza said bronchiole tissue could solve another problem that's frequently encountered in testing the toxicity of airborne agents.

"With traditional 2-D cultures, it is very difficult to culture cells at the air-liquid interface, which is what you'd prefer for toxicity testing," he said. "With our technology, we can easily levitate the bronchiole tissue to the air-liquid interface so that airborne toxins are exposed to the epithelial layer of the tissue, just as it would occur in the lungs."

Grande-Allen said Tseng and other members of her group have already used the same methods pioneered in the bronchiole study to produce heart valve tissue; Souza said the NSF has awarded the company with a second phase of SBIR funding to further develop the technique for other types of tissue.

Study co-authors include Robert Raphael, professor of bioengineering at Rice and co-founder of Nano3D Biosciences; Dr. Robert Moore, a pediatric pulmonologist at Baylor College of Medicine (BCM); and former BCM scientist Jacob Gage, now with Nano3D Biosciences.

The research was funded by NSF and the Texas Emerging Technologies Fund.

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Story Source:

The above story is reprinted from materials provided by Rice University. The original article was written by Jade Boyd.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. Hubert Tseng, Jacob A. Gage, Rob Raphael, Robert H. Moore, T. C. Killian, K. Jane Grande-Allen, Glauco R. Souza. Assembly of a three-dimensional multitype bronchiole co-culture model using magnetic levitation. Tissue Engineering Part C: Methods, 2013; : 130110035304008 DOI: 10.1089/ten.TEC.2012.0157

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_technology/~3/W6mof4dHY6w/130124183640.htm

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McGraw-Hill Acquires 20% Stake In Area9, The Adaptive Learning Company Behind Its New Smart eBooks

As a 95-year-old publishing company primarily known for its textbooks, McGraw-Hill is not usually the type of exhibitor one finds at the Consumer Electronics Show, let alone one to make a splash. Nonetheless, the company went to Vegas this year (er, rather its education division, McGraw-Hill Education went to Vegas) to show off some innovative new technology. Again, McGraw-Hill (or textbook publishers in general) not a name one associates with "shiny new technology."

Source: http://feedproxy.google.com/~r/Techcrunch/~3/pqf2u7F0ygg/

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