Financing a Business

Financing is an integral part to getting your business off the ground and growing it over time. That's why SBA has provided several free online courses to help you become familiar with your financing options, including an introduction to accounting, a guide to SBA’s Loan Guaranty Programs, and an overview on how to prepare a loan package.

• Podcasts

  SBA business financing podcasts offer expert insight and guidance about your business money matters. Financing podcasts offer advice on topics ranging from traditional loans to grants, bonds and investor-based venture capital. ...

• Online Courses for Financing Your Business
  Knowledge about the finances of your business is essential to its success. About These Courses Several free online courses are offered by the SBA to help prospective and existing entrepreneurs understand basic finance and...
• SBA Delivering Success: Financing
  The U.S. Small Business Administration and the U.S. Postal Service bring you Delivering Success—video interviews with successful entrepreneurs who share the lessons they've learned about owning a small business. The...
• SBA Low-Interest Disaster Loans
  Following a disaster, the U.S. Small Business Administration (SBA) partners with FEMA to help disaster survivors. The SBA offers low-interest disaster loans to homeowners, renters and businesses of all sizes.

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The Painted Lady, LLC

Shortly after Joyce Whitaker, and her husband, moved back to Ohio from New York, Joyce decided to open a small gift gallery and antique store....

Low commissions, as low as $1 per trade.

per side, per contract + exchange, regulatory & overnight fees One commission plan per account. $1 for 100 shares $5 for 500 shares $8 for 1000 shares First 500 shares $.01 per share, $.006 per share thereafter. - Includes all ECN fees     - $1 minimum - No charge for unexecuted or cancelled shares Monthly Trades Unlimited Shares 1 - 9 10 - 29 30 or more $9.99/trade $7.99/trade $6.99/trade Direct routing: up to 5000 shares no additional charge, $.005 per share thereafter. per contract with NO ticket charge and NO minimum Commission FREE TradeStation makes money on each forex trade from a small markup embedded in the spread, which is the difference between the bid price and the ask price. Phone-in orders add $20 per trade3 All electronically traded U.S. futures including E-Minis 25¢ - $1.20 per side, per contract + exchange, regulatory & overnight fees $2.99 per side, per contract + exchange and NFA fees Futures Not Offered $6.99 per side, per contract + NFA, exchange & transaction fees Futures Not Offered $3.50 per side, per contract 100 shares = $1.00 $9.99 $7.95 $9.95 $8.95 $9.99 500 shares = $5.00 1000 shares = $8.00 1-9 trades / month = $9.99 / trade $9.99 / trade $7.95 / trade $9.95 / trade $8.95 / trade $9.99 / trade 10-29 trades / month = $7.99 / trade $9.99 / trade $7.95 / trade $9.95 / trade $8.95 / trade $9.99 / trade 30 or more trades / month = $6.99 / trade $9.99 / trade $7.95 / trade $9.95 / trade $8.95 / trade $9.99 / trade 1 contract = $1.00 $10.74 $8.70 $14.95 $9.70 $10.74 10 contracts = $10.00 $17.49 $15.45 $15.00 $16.45 $17.49 20 contracts = $20.00 $24.99 $22.95 $30.00 $23.95 $24.99 FREE TradeStation makes money on each forex trade from a small markup embedded in the spread, which is the difference between the bid price and the ask price. Forex Not Offered Forex Not Offered Forex Not Offered Forex Not Offered Commissions based on counter currency units Example: 100,000 EURUSD Comm. = $10 Electronically Traded Futures (traded through the TradeStation Futures platform) Electronically Traded Futures Options (traded through the TradeStation Futures platform) $5.00 for many option contracts. Price is all inclusive. Please contact your sales representative for additional details. Pit-Traded U.S. Futures (traded through the TradeStation Futures platform) $6.99 per contract; per side Pit-Traded U.S. Futures Options (traded through the TradeStation Futures platform) $13.98 per option contract; all-inclusive International Futures (traded through the TradeStation Futures platform) OTCBB $9.99 100,000 share position maximum Pink Sheet Stocks $9.99 100,000 share position maximum T-Bills EQUITIES FUTURES $50.00 $10.00 Commission Commission Bonds $14.95 plus $5 per bond Mutual Funds4 $14.95 per trade

1. Per-share equities commissions, which under certain circumstances may be lower and more advantageous to smaller-share-per-order traders, are primarily designed for use by active individual, institutional, and professional stock traders desiring the highest level of execution quality and speed. As such, the intelligent-routing algorithm predominantly leverages the advantages of more expensive execution destinations such as ECNs and electronic exchanges. 2. Flat-fee equities commissions, which under certain circumstances may be lower and more advantageous to larger-share-per-order traders, are primarily designed for use by individual traders who value execution quality and speed, and desire the highest level of flexibility with their execution costs. As such, the intelligent-routing algorithm may favor less expensive execution destinations including market makers. Flat-fee and per-share commissions shown are based on intelligent order routing. Direct routing of flat-fee orders is available at no additional charge for orders of up to 5000 shares; direct-routed flat-fee orders of over 5000 shares will be charged an additional $.005 per share in excess of 5000 shares. Flat-fee commission rate for the first calendar month will be $6.99 per trade for all equities trades. In subsequent calendar months, the flat-fee commission rate will be based on the equities trading activity in your account from the prior month. For example, if the total number of equities trades in all your TradeStation flat-fee accounts under the same customer ID is 20 in July, then all equities trades placed in your commission accounts in August will be $7.99 per trade. 3. There is no $20.00 surcharge for any of the following types of phone-in orders: OTCBB or Pink Sheet Stocks, T-Bills, Bonds or Mutual Funds. 4. When trading Mutual Funds other fees may apply. Please read the prospectus carefully. 5. E*Trade pricing for flat-fee equities trades based on $9.99 per trade for those who place 0-149 trades per quarter (up to 2000 shares per trade). Pricing for options trades for those who place 0-149 trades per quarter. Commissions may vary based on actual trading activity and/or account balance. 6. Fidelity pricing for flat-fee equities trades based on $7.95 per trade. Commissions may vary based on actual trading activity and/or account balance. 7. OptionsXpress pricing for flat-fee equities trades based on $9.95 per trade (up to 1000 shares per trade). Pricing for options trades for those who place fewer than 35 trades per quarter. Pricing for futures trades for those who trade fewer than 41 contracts per month. Commissions may vary based on actual trading activity and/or account balance. 8. Schwab pricing for flat-fee equities trades based on $8.95 per trade. Commissions may vary based on actual trading activity and/or account balance. 9. TD Ameritrade pricing for flat-fee equities trades based on $9.99 per trade for all trades. Forex commission-pricing based on counter currency units. TD Ameritrade also offers non-commission pricing on certain forex pairs. Commissions may vary based on actual trading activity and/or account balance. ETFs eligible for commission-free trading must be held at least 30 days, otherwise a short-term trading fee will apply. Disclosure: The competitive information provided here was verified as of 3/13/2011. Some of the above firms may offer reduced commissions or waive fees, including but not limited to inactivity or maintenance fees if certain account activity and/or account balance criteria are met, and may offer products or services TradeStation does not offer. Some of the above firms may offer different or additional services. TradeStation charges a $99.95 per month Account Service Fee unless waived by account activity or balance thresholds. A monthly Account Service Fee may apply based on trading volume or account balance. There is a regulatory transaction fee of 0.00192% of the total dollar amount of securities sold. Commissions do not include NFA fees. Prices, fees, costs and terms are subject to change. For Options: If the total number of cancels is higher than the total number of contracts executed per day, per account, there is a $1.00 options cancellation charge per each cancel that is over and above the number of contracts executed. A cancel is defined as any user-initiated cancel/replace and/or order cancel. • Spreads / Straddles: Each leg represents a separate trade order and is subject to standard commission rates. There is an Options Regulatory Fee of $.0185 per contract ($.02 minimum) applicable to all option transactions. Options trading is not suitable for all investors. Your account application to trade options will be considered and approved or disapproved based on all relevant factors, including your trading experience. Automated trading, as it relates to direct-access electronic placement and execution of equities options trades, requires manual one-click verification before order is sent. Please click here to view the document titled Characteristics and Risks of Standardized Options. Security Futures trading is not suitable for all investors. Please click here to view the Risk Disclosure Statement for Security Futures Contracts. Trading foreign exchange carries a high level of risk and may not be suitable for all investors. There is a possibility that you may sustain a loss equal to or greater than your entire investment; therefore, you should not invest or risk money that you cannot afford to lose. You should be aware of all risks associated with foreign exchange trading.

7 ways to outsmart Alzheimer’s

Come down with Alzheimer's during your retirement and the cost per year for your care beyond what Medicare covers is likely to be well over $100,000 -- even if you rely on family and friends during the early stages of the disease, according to the Alzheimer's Association, which is holding its annual conference in Paris this week.
These are retirement planning costs none of us can accurately budget for and few can afford to pay.
Ways to slow and prevent the disease is key among the topics under discussion at the conference, with a lot of focus on findings that suggest that there are a seven simple things people can do to reduce by 25 percent the likelihood that they will suffer from Alzheimer's.
Here are the risk factors, the percentage of cases that are likely attributable to each cause, and preventive steps:

• Physical inactivity: 21 percent. Exercise daily.
• Depression: 15 percent. Get therapy to keep this ailment under control.
• Smoking: 11 percent. If you haven't quit yet, do it today.
• Midlife hypertension: 8 percent. Diet and exercise can control high blood pressure.
• Midlife obesity: 7 percent. Exercise more and eat less.
• Low education: 7 percent. "What's good for your heart is also good for your head," the association says.
• Diabetes: 3 percent. Follow the doctor's orders.

"Estimated worldwide costs of dementia are (U.S.) $604 billion -- $183 billion in the U.S. alone," says William Thies, Ph.D., chief medical and scientific officer for Alzheimer's Association. "Dementia is significantly affecting every health and social care system in the world, and costs of dementia are set to soar."
Do what you can to save yourself.

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