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Reasonable, convenient PayPal commercial loans can now be availed of, thanks to alternative business lender, BusinessCashAdvanceGuru.Com. Small companies can be eligible to loans from $5,000 to $500,000 with interest rates as low as only 1.9 percent with no accompanying credit investigation. Small commercial lending has dropped significantly from the Great Recession. All over the country, small-sized businesses are now discovering working funds, business loans, and expansion capital as difficult to acquire. "Forty-five percent of the 515 business-people who joined the advocacy group's survey said availability of loans and credit at affordable rates is a hurdle for their companies. Access to funds was most hard in the Northeast, where 53 percent of the owners said it was difficult to obtain. In the West, 49 percent considered it a major obstacle, followed by 44 percent in the South and 37 percent in the Midwest," reported the Seattle Post Intelligencer.

PETER LLOYD: "Informasjonsalderen" er åpenbart endret vår verden, men hva det gjør å utvikle hodet av unge? I dag holder Australian Council on barn og Media en konferanse å vurdere det spørsmålet. En av eksperten stemmer deltar i denne diskusjonen er Dr Phillip Tam. Han er et barn og unges psykiater og foreleser ved Sydney University. Han snakker her med Barney Porter. BARNEY PORTER: Hvor små er for ung til å begynne å absorbere denne teknologien, tror du, med unge sinn utvikling som de gjør? PHILLIP TAM: Vel, det er et veldig vanskelig spørsmål og det er åpenbart en som, hvis du liker, spesialister og eksperter virkelig ikke ennå har et klart svar for. Jeg tror en måte å se på er at vi bor nå i en raskt skiftende media - og IT-dominert verden så vi kan ikke nå, hvis du liker, forhindre, isolere mye yngre barna - og jeg antar vi snakker om fire, fem eller seks åringer - fra technology. De vil se på foreldre og familier, du vet, smart telefoner og tabletter og så videre. De viktigste spørsmålet er, hvordan du får dem fra svært ung alder, å utdanne dem og trene dem til å bruke den riktig og healthily og unngå det vi kan kalle vanedannende problemer senere som, ja, klinikere begynner å se på stadig ung alder. Det pleide å være din tenåringer, 14, 15, 16, som syntes å utvikle problemer med Sitat "Internett avhengighet". Det gjør synes å bli snikende nedover yngre mennesker får eksponert for dette, men sikkert det handler om overvåking av familien, de har det vi kan kalle sunn medievaner - så absolutt ikke bruker det så lenge at de ikke har regelmessige måltider, fast snacks, og absolutt ikke benytter det godt i kvelden så det begynner å påvirke deres sover mønstre. BARNEY PORTER: Vel, det faktisk er definisjonen av en avhengighet? Hvor lenge er for lang til å bruke denne teknologien? PHILLIP TAM: Jeg er redd jeg skal si det ikke igjen en klar hard og rask svar for dette. Internett er ikke et enhetlig fenomen, det e

Is there anything that big government does well? I mean sure, our military is really pretty practiced at breaking things and shooting people; which (I guess) explains why they are being sent to fight Ebola. (If that logic escapes you, don't worry… I think a lot of us feel that way.) And yeah, the IRS is pretty good at separating me from my hard-earned money; but, then again, so is liberals. We on the right have been asking it for decades… And we still haven't been able to solicit a single honest answer from defenders of of the state. In fact, satire, sarcasm, and a little incredulity, is the general response from our esteemed colleagues on the other side of the ideological divide.

October 30, Wednesday, China's money market rates pointed on to a four-month high, a day following the country's central bank instill funds into the market to relieve worries that it was preparing to considerably constrict credit situation. The seven-day report rate, observed as a key measure of confidence to lend in the interbank markets, rose to around 5.59 percent - up about 64 basis points from the prior day. Analysts said that the jump in rates was seasonal in nature and at this stage were not too concerned about a repeat of events in June when a surge in money market rates fueled fears of a credit crunch in the world's number two economy. They further mentioned that liquidity infused into the market this week had not been huge enough to shove overnight lending rates considerably lower. On Tuesday via an open market operation, the People's Bank of China (PBOC) infused 13 billion yuan ($2.13 billion) into money markets. "Liquidity remains tight and the repo operation yesterday was small," said Nizam Idris, managing director, head of strategy, fixed income and currencies atMacquarie Bank. "China is still in the process of fine-tuning rates." Chris Weston, chief market strategist at trading firm IG, added: "Month end is coming up and of course tax implications are being blamed for higher rates." No fear With the benchmark Shanghai Composite stock index up 0.75 percent in afternoon Asia trade, Chinese markets became visible to take the spike in money market rates in stride. Analysts put this down to assumptions that the PBOC would approach into the market with better injections of cash to alleviate any doubts that it was geting ready to constrict monetary conditions in a big way. On Tuesday and Thursday, the PBOC usually carry out reverse-repurchase operations, an opportunity for it to inject liquidity into Chinese money markets. "They [PBOC policymakers] will probably provide liquidity on Thursday - at this point they don't wa

According to the Biz2Credit Small Business Lending Index, more than one-half of all small-business loan applications are being rejected by banks. Companies in need of capital might find lenders more receptive in a hard-hitting lending environment if they invest in audited financial statements. "We've had clients who needed these statements to even get the loan, and it can make a difference in the interest rate you get," says David G. Barbeito, a principal in the Miami office of Morrison, Brown, Argiz & Farra, a large independent accounting firm.

Democratic presidents tend to preside over better economies than Republican ones, but that may be down to pure luck, according to a recent paper from Alan Blinder and Mark Watson at Princeton. Since the end of World War II, the U.S. economy has grown at an average real rate of 4.35% under Democratic presidents and only 2.54% under Republicans. So what gives? "Democrats would no doubt like to attribute the large D-R growth gap to better macroeconomic policies, but the data do not support such a claim," they write. "It seems we must look instead to several variables that are mostly 'good luck.'" Three factors can explain 46-62% of the growth gap, according to the paper. Here are the reasons (via James Hamilton): Oil shocks. With the exception of Jimmy Carter, oil price shocks tend to dog Republican administrations more. The 1956-57 Suez Crisis, early-70s OPEC embargo, 1980 Iran-Iraq War, and the Iraqi invasion of Kuwait in 1990 all happened during Republican administrations. Productivity. It's hard to say that a U.S. president is responsible here, but Democrats tend to see bigger gains in productivity. Bill Clinton, for example, enjoyed a big boost in U.S. productivity during the 1990s. Consumer confidence. Consumers tend to have a rosier outlook on the U.S. economy in the first year a Democrat is in the White House. "Yet the superior growth record under Democrats is not forecastable by standard techniques, which means it cannot be attributed to superior initial conditions," they write. Chalk this one up to luck again, but it does come "tantalizingly close to a self-fulfilling prophecy in which consumers correctly expect the economy to do better under Democrats, then make that happen by purchasing more consumer durables."