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Morrissey delivers a strong night of songs old and new at the first of two sold-out Hollywood Bowl shows

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MEC Seminars Conferences

MEC seminars conferences are filled with practical valuable information to help you thrive in today’s competitive growing economy . the absolute best seminars conferences in America ‘s heartland, receiving rave reviews from manufacturers, businesses commercial enterprises throughout the region. Established in 1991, the MEC (Manufacturers’ Education Council) has provided over 81,000 busy business executives, directors managers with the best education on leading-edge issues in business taxation, environmental safety management, HR/employee health/wellness, and energy management.

We provide the highest quality education training on the timeliest topics issues using the most qualified speakers. We promise that you’ll receive a wealth of information you’ll be 100% satisfied . or we will give your money back. Guaranteed!

MEC seminars conferences have benefitted some of the world’s most-admired corporations with locations here in America’s heartland . corporations such as General Electric Co., American Electric Power, FirstEnergy Corp., TimkenSteel, Marathon Petroleum Co. LP, NiSource Inc., Nationwide Insurance, Honda North America Inc., Rudoph/Libbe Cos, Johnson Controls, EY, The Procter Gamble Co., The Scotts Micacle-Gro Co., Whirlpool Corp., Siemens USA, The Wendy’s Co., Fresh Mark Inc., MTD Products, Darling International Inc., ENGIE Resources, IGS Energy, DSW, Inc., Plante Moran PLLC, PricewaterhouseCoopers LLP, PPG Industries Inc., Cristal USA Inc., AcelorMitall USA, and General Motors.

Invest wisely. browse through our training offerings by subject above, or our featured upcoming events in the next column register on-line today for one of our many seminars conferences opportunities to help your organization thrive!

Short-Term Business Loans and Debt Financing

Short term business loans

Both debt and equity financing have a rightful place in all but the smallest of businesses. If we focus on debt financing, most small businesses have traditionally gotten most of their business loans from commercial banks in the form of term loans. Those term loans may have short, intermediate, or long maturities. The different lengths of maturities signify not only different time periods in which the firm can repay the loans, but different purposes for the loans as well.

What Are Short-Term Business Loans?

Small businesses most often need short-term loans instead of long-term debt financing. Most term loans, classified as short-term, usually have a maturity of one year or less. They must be repaid to the lender within one year. Most short-term loans are often repaid much more quickly than that, often within 90-120 days. Term loans with short maturities can help you meet an immediate need for financing without requiring you to make a long-term term commitment.

Purposes of Short-Term Debt Financing

Short-term loans are helpful to businesses that are seasonal in nature such as retail businesses who have to build up inventory for the holiday season. Such a business might need a short term loan to buy inventory well in advance of the holidays and not be able to repay the loan until after the holidays. That is the perfect use for the short-term business loan.

Other uses for short-term business loans are to raise working capital to cover temporary deficiencies in funds so you can meet payrolls and other expenses.

You may be waiting on credit customers to pay their bills, for example. You may also need short-term business loans to pay your own bills; i.e. to meet your own accounts payable (what you owe your supplier) obligations. You may just need a short-term loan to even out your cash flow, particularly if your company is a cyclical business.

Qualifying for a Short-Term Loan

In order to qualify for a short-term loan, you will have to present comprehensive documentation to your lender, whether it is a bank, a credit union, a mutual bank, or some other type of lender. The lender will want, at least, a record of your payment history for other loans you may have had, including payment histories to your suppliers (accounts payable) and your company s cash flow history for perhaps the last 3-5 years. You should also be prepared to hand over your income statement for the same amount of time if the lender requests it. All documentation should be in a professional format.

Your qualifications for a short-term loan will help determine whether or not the loan will be secured by collateral or whether it will be an unsecured, or signature, loan.

Short-Term Versus Long-Term Loan Interest Rates

In a normal economy, interest rates on short-term loans are higher than interest rates on long-term loans. In a recessionary economy, however, interest rates may be low and short-term loan rates may be lower than long-term loan rates. Short-term loan rates are usually based on the prime interest rate plus some premium. The bank or other lender determines the premium by determining what risk your company is to them.

They do this by looking at the documentation you provide them in order to qualify for a short-term loan.

Short-term loan interest rates can be calculated in a number of ways. You want to get your lender to calculate the interest rate in the way most affordable to you. Take a look at the different ways short-term interest rates can be calculated and use this as your guide when talking to a bank loan officer. Also, be sure that you are knowledgeable about the current prime interest rate so you can talk intelligently to the bank loan officer as you negotiate the interest rate on your short-term loan.

Loans for Start-up Businesses and Small Businesses

It is possible for a start-up company to secure a short-term loan. This is because short-term loans are less risky than long-term financing simply due to the fact of their maturity.

17 Cheap Wedding Flowers Ideas Arrangements on a Budget

Cheap business ideas

Flowers can add such beauty to your big wedding day, but they can also add a lot to your expenses!

With so many different uses for flowers in a wedding the bride s bouquet, the bridemaids bouquets, boutonnieres, various corsages, flower girl peddles, altar arrangements, pew decorations, cake decorations, and reception decor brides can spend upwards of $10,000 on the flowers alone.

But you can still have a gorgeous wedding, without emptying your wallet. Here are 15 great ideas to save green while buying greenery.

Ways to Save Money on Wedding Flowers

1. Move Flowers from the Ceremony to the Reception

I didn t want to spend a lot on flowers at my wedding so what I did was transfer the flowers that were set up at the ceremony over to the reception venue. Since I didn t have too many, the person who was in charge of this task had no problem grabbing the altar flower display, taking it to the reception, and giving it to the wedding planner who got it inside the reception hall before anyone entered.

2. Re-purpose the Bridal Bouquets

At the reception, your bridesmaids won t have a need for their flower bouquets, so why not use them in vases as wedding centerpiece ideas or as decorations for the cake table?

Just like with your wedding food, using flowers that are in-season can save you a lot of money. For example, tulips are beautiful, but they are winter/early spring flowers. If you are able to find them during their off-season, the price could be as much as 5 times the cost during their in-season.

Some flowers are just cheaper than others. Carnations are probably the cheapest flowers that you can get. Gerber daisies are also inexpensive. If you are not a fan of either of those, use them for some things, like alter bouquets, and then get a more expensive flower for the bride s bouquet if that is preferred.

For a simple, yet elegant look to your wedding, use lots of greenery instead of flowers. Leaves can be just as stunning as a bouquet, especially if you create one from fall branches and they re much cheaper too.

Inquire if there are any other weddings taking place the same day as your ceremony at your venue. If so, see if you can contact the other bride and groom to see if they would like to use the same flowers and split the cost.

7. Order Your Flowers Online

You can save quite a bit of money by purchasing your flowers from an online wholesaler, which is much less expensive than your local florist. That being said, you will have to trim the flowers, arrange them, and care for them prior to the wedding yourself.

Sometimes less is more. Not only will being simplistic cost you less, it may add to the overall impression of your wedding. An easy way to simplify wedding flowers is to get just the basics: bouquets, boutonnieres, and an altar arrangement.

You may have to compromise with your decorations if you are on a budget. This is especially true with your flowers. Be open to several different types when it is time for you to choose. If you decide to buy your flowers through a local florist instead of online, tell your florist your budget and see what types of flowers she proposes to you and be open to the suggestions.

10. Have a Christmas or Easter Wedding

Churches are already beautifully decorated with flowers for both Christmas and Easter. Take advantage of that fact by setting your wedding date during the Christmas or Easter seasons.

11. Have a Small Bridal Party

Since a big chunk of your flower money will be going to bouquets and boutonnieres, you can cut down on your wedding flower costs by going with a smaller wedding party. This will also save money on dresses, tuxedos, and bridal party gifts, just to name a few.

12. Use Flowers from Your Own Garden

If you have a garden, are there any flowers that will be in bloom at the time of your wedding? If not, consider planting some so that they will be ready in time for the big day. You can start a basic garden for not too much money.

13. Have Your Wedding in a Garden

There s no need to buy any arrangements if you are already in a garden! Gardens make beautiful and inexpensive wedding venues anyway.

Have you ever found yourself questioning if some flowers were real or fake? So why buy real flowers at all? Not only are silk flowers beautiful, they also last forever unlike real flowers, and you can arrange them exactly as you want them weeks before the wedding. And if you don t want to keep your silk flowers once your wedding is over, consider selling them on eBay for someone else to use at their wedding.

Just as I suggested that you sell your silk flowers once your wedding is over, you could also buy silk wedding flowers that were already used. This is a good alternative for someone who would like silk flowers but has no experience arranging them. And once you re done with them, sell them again.

If you know someone who had silk flowers at their wedding, contact them to see if they would allow you to borrow them. If they let you, you will hopefully not have to spend a dime on flowers!

My cousin used peacock feathers for the boutonnieres (and even wore one in her hair!) for a super-chic look. For centerpieces, you can replace flowers with candles or lanterns, which would work beautifully for an evening wedding. Get creative! You can save money, and still have a gorgeous wedding, without flowers.

Final Word

I was really intimidated when it was time for me to pick out flowers for my own wedding. Since I knew so little about flowers, I consulted a local florist and worked closely with them to figure out what flowers would fit my budget. I only had two bouquets, a couple boutonnieres, corsages for my grandmas, and an altar arrangement. My total flower bill was only $200. With the above tips, you too can save a fortune on wedding flowers.

What have you done to cut the costs of wedding flowers? Did you have to sacrifice aesthetics at all, or did you replace the flowers with something else?

Ohio Development Services Agency Easy Program FinderSmall business development center

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The Ohio Opioid Technology Challenge is live. Click here to submit your idea or follow the challenge at #OpioidChallenge

Are you interested in marketing your products or services internationally? Apply for the Ohio International Market Access Grant for Exporters (IMAGE) today! The grant provides 50 percent reimbursement, up to $12,500 for qualifying activities. For more information, click here

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The Ohio Procurement Technical Assistance Centers (PTAC) help Ohio businesses compete for and win local, state and federal government contracts at little to no-cost. For more information, click here

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Looking for a job? Looking for workers?

Visit OhioMeansJobs.com to find job opportunities and skilled workers across Ohio.

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Take a look at the TechOhio website. Get updated news about Ohio’s growing community of entrepreneurs, technology, research and innovation. Visit TechOhio now

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1B yearly revenue

10,000 or More employees

Apple designs and markets consumer electronics, computer software, and personal computers. The company’s best-known hardware products include the Macintosh line of computers, the iPod, the iPhone and the iPad. Apple software includes the Mac OS X operating system; the iTunes media browser; the iLife suite of multimedia and creativity software; the iWork suite of productivity software; Aperture, a professional photography package; Final Cut Studio, a suite of professional audio and film-industry software products; Logic Studio, a suite of music production tools; and iOS, a mobile operating system. As of August 2010, the company operates 301 retail stores in ten countries, and an online store where hardware and software products are sold. Apple ignited the personal computer revolution in the 1970s with the Apple II and reinvented the personal computer in the 1980s with the Macintosh. Today, Apple continues to lead the industry in innovation with its award-winning computers and.

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Tesla Motors

100M to 500M yearly revenue

1,000 – 2,500 employees

Tesla’s goal is to accelerate the world’s transition to electric mobility with a full range of increasingly affordable electric cars. Palo Alto, California-based Tesla designs and manufactures EVs and EV powertrain components. Tesla has delivered more than 1,650 Roadsters, the world’s first electric sports car, to customers world-wide. Model S, the first premium sedan to be built from the ground up as an electric vehicle, goes on the market in mid-2012 (from press release).


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