For businesses that need a small to moderate amount of funding for start-up costs, getting a personal loan may be easier than getting a small business loan. Because many small business ventures are prone to failure and the assets of the business often secure the loans, most banks have stricter lending policies for small business loans. For example, if you run into trouble and it looks like your business is failing, the bank may ask you to pay back the loan in full whereas that is not as likely with a personal loan. Here are some suggestions on how to obtain a personal loan from sources other than traditional banks and how to use the money to fund your new business.
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Peer-to-Peer Lending
Think of peer-to-peer (P2P) lending like venture capitalism for small businesses. Websites like Prosper connect borrowers with private lenders who are willing extend personal loans for a variety of reasons. One big advantage of P2P lending sites is that you can submit extensive paper work such as your personal financial information, your business plan, how you plan to repay the money and other information that will help convince the lender that you are a worthy borrower. If you have a good credit rating and you can make a good case for how you intend to use the loan, you may be able to find someone who will be willing to invest in your business.
Internet Lenders
In many cases, Internet banks have more lenient lending policies than traditional banks. You can often get personal loans from creditloan.com and similar websites even if you have less than perfect credit. Another advantage to getting this type of personal loan is that you build a relationship with the website?s lender. After you make a good number of consecutive payments on time, usually at least six to twelve, the lender will be likely to extend you more credit if need be or lower your interest rate. Internet lending sites save consumers a lot of time because they take your information and match you with the best lender so that you do not have to do as much legwork yourself.
Secured Loans
The trick to getting a secured personal loan is to use your personal assets as collateral, not your business assets. This will normally get you a better interest rate. This is also a great way to get the money you need at a reasonable interest rate without having to worry about the lender monitoring how your business is doing. Your personal assets secure the loan so, on paper, it has nothing to do with your business. One word of caution though, this ties your personal assets to the health of your business and puts them at risk. Make sure that you have a debt reduction strategy to pay the loan off as quickly as you can. It is also a good idea to have some kind of back-up plan for paying off the loan if for some reason your business is not as successful as you hoped.
Have a Spending Plan
Have a plan for how you are going to use the money from your personal loan in your new business. This will help you both while you are applying for the loan and after you receive it. Keep in mind that a spending plan is part of your budget, but it is not exactly the same thing. Your business?s spending plan should show how you are going to take the money from your loan and invest it in your business to turn a profit. It is also a good idea to not spend every cent you borrow and make sure you keep some money in reserve for unexpected emergencies. It is better to have money in the bank that you are not using than to not have money available when you need it.
Starting a new business is always a scary and exciting adventure. Finding the means to make your dream happen is thrilling. However, you must be realistic. When mix your personal finances with your business finances, things can go bad quickly if your plan does not work out as well as you hoped. As it with any financial venture, try to start modestly and build slowly. Starting a business is much like investing, if you can lower your risk factor than you have a better chance of staying financially viable longer. Moreover, when things do work out and you finally pay off your personal loan, that will make your business success that much sweeter.
Turn trash into cash... and save energyPublic release date: 1-Mar-2013 [ | E-mail | Share ]
Contact: Marcia Goodrich mlgoodri@mtu.edu 906-487-2343 Michigan Technological University
New process transforms old milk jugs into everything from lab equipment to cell phone cases
Suppose you could replace "Made in China" with "Made in my garage." Suppose also that every time you polished off a jug of two percent, you would be stocking up on raw material to make anything from a cell phone case and golf tees to a toy castle and a garlic press.
And, you could give yourself a gold medal for being a bona fide, recycling, polar-bear-saving rock star.
Michigan Technological University's Joshua Pearce is working on it. His main tool is open-source 3D printing, which he uses to save thousands of dollars by making everything from his lab equipment to his safety razor.
Using free software downloaded from sites like Thingiverse, which now holds over 54,000 open-source designs, 3D printers make all manner of objects by laying down thin layers of plastic in a specific pattern. While high-end printers can cost many thousands of dollars, simpler open-source units run between $250 and $500and can be used to make parts for other 3D printers, driving the cost down ever further.
"One impediment to even more widespread use has been the cost of filament," says Pearce, an associate professor of materials science and engineering and electrical and computer engineering. Though vastly less expensive than most manufactured products, the plastic filament that 3D printers transform into useful objects isn't free.
Milk jugs, on the other hand, are a costly nuisance, either to recycle or to bury in a landfill. But if you could turn them into plastic filament, Pearce reasoned, you could solve the disposal problem and drive down the cost of 3D printing even more.
So Pearce and his research group decided to make their own recycling unit, or RecycleBot. They cut the labels off milk jugs, washed the plastic, and shredded it. Then they ran it through a homemade device that melts and extrudes it into a long, spaghetti-like string of plastic. Their process is open-source and free for everyone to make and use at Thingiverse.com.
The process isn't perfect. Milk jugs are made of high-density polyethylene, or HDPE, which is not ideal for 3D printing. "HDPE is a little more challenging to print with," Pearce says. But the disadvantages are not overwhelming. His group made its own climate-controlled chamber using a dorm-room refrigerator and an off-the-shelf teddy-bear humidifier and had good results. With more experimentation, the results would be even better, he says. "3D printing is where computers were in the 1970s."
The group determined that making their own filament in an insulated RecycleBot used about 1/10th the energy needed to acquire commercial 3D filament. They also calculated that they used less energy than it would take to recycle milk jugs conventionally.
RecycleBots and 3D printers have all kinds of applications, but they would be especially useful in areas where shopping malls are few and far between, Pearce believes. "Three billion people live in rural areas that have lots of plastic junk," he says. "They could use it to make useful consumer goods for themselves. Or imagine people living by a landfill in Brazil, recycling plastic and making useful products or even just 'fair trade filament' to sell. Twenty milk jugs gets you about 1 kilogram of plastic filament, which currently costs $30 to $50 online."
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Pearce's research is described in depth in two articles: "Distributed Recycling of Waste Polymer into RepRap Feedstock,"coauthored with Christian Baechler and Matthew DeVuono of Queen's University and published in the March issue of Rapid Prototyping; and "Distributed Recycling of Post-Consumer Plastic Waste in Rural Areas," coauthored by Jerry Anzalone, Megan Kreiger, Meredith Mulder and Alexandra Glover of Michigan Tech, which will appear in the Proceedings of the Materials Research Society.
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Turn trash into cash... and save energyPublic release date: 1-Mar-2013 [ | E-mail | Share ]
Contact: Marcia Goodrich mlgoodri@mtu.edu 906-487-2343 Michigan Technological University
New process transforms old milk jugs into everything from lab equipment to cell phone cases
Suppose you could replace "Made in China" with "Made in my garage." Suppose also that every time you polished off a jug of two percent, you would be stocking up on raw material to make anything from a cell phone case and golf tees to a toy castle and a garlic press.
And, you could give yourself a gold medal for being a bona fide, recycling, polar-bear-saving rock star.
Michigan Technological University's Joshua Pearce is working on it. His main tool is open-source 3D printing, which he uses to save thousands of dollars by making everything from his lab equipment to his safety razor.
Using free software downloaded from sites like Thingiverse, which now holds over 54,000 open-source designs, 3D printers make all manner of objects by laying down thin layers of plastic in a specific pattern. While high-end printers can cost many thousands of dollars, simpler open-source units run between $250 and $500and can be used to make parts for other 3D printers, driving the cost down ever further.
"One impediment to even more widespread use has been the cost of filament," says Pearce, an associate professor of materials science and engineering and electrical and computer engineering. Though vastly less expensive than most manufactured products, the plastic filament that 3D printers transform into useful objects isn't free.
Milk jugs, on the other hand, are a costly nuisance, either to recycle or to bury in a landfill. But if you could turn them into plastic filament, Pearce reasoned, you could solve the disposal problem and drive down the cost of 3D printing even more.
So Pearce and his research group decided to make their own recycling unit, or RecycleBot. They cut the labels off milk jugs, washed the plastic, and shredded it. Then they ran it through a homemade device that melts and extrudes it into a long, spaghetti-like string of plastic. Their process is open-source and free for everyone to make and use at Thingiverse.com.
The process isn't perfect. Milk jugs are made of high-density polyethylene, or HDPE, which is not ideal for 3D printing. "HDPE is a little more challenging to print with," Pearce says. But the disadvantages are not overwhelming. His group made its own climate-controlled chamber using a dorm-room refrigerator and an off-the-shelf teddy-bear humidifier and had good results. With more experimentation, the results would be even better, he says. "3D printing is where computers were in the 1970s."
The group determined that making their own filament in an insulated RecycleBot used about 1/10th the energy needed to acquire commercial 3D filament. They also calculated that they used less energy than it would take to recycle milk jugs conventionally.
RecycleBots and 3D printers have all kinds of applications, but they would be especially useful in areas where shopping malls are few and far between, Pearce believes. "Three billion people live in rural areas that have lots of plastic junk," he says. "They could use it to make useful consumer goods for themselves. Or imagine people living by a landfill in Brazil, recycling plastic and making useful products or even just 'fair trade filament' to sell. Twenty milk jugs gets you about 1 kilogram of plastic filament, which currently costs $30 to $50 online."
###
Pearce's research is described in depth in two articles: "Distributed Recycling of Waste Polymer into RepRap Feedstock,"coauthored with Christian Baechler and Matthew DeVuono of Queen's University and published in the March issue of Rapid Prototyping; and "Distributed Recycling of Post-Consumer Plastic Waste in Rural Areas," coauthored by Jerry Anzalone, Megan Kreiger, Meredith Mulder and Alexandra Glover of Michigan Tech, which will appear in the Proceedings of the Materials Research Society.
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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Postmenopausal women who smoked are more likely to lose teeth due to periodontal diseasePublic release date: 1-Mar-2013 [ | E-mail | Share ]
Contact: Ellen Goldbaum goldbaum@buffalo.edu 716-645-4605 University at Buffalo
BUFFALO, N.Y. Postmenopausal women who have smoked are at much higher risk of losing their teeth than women who never smoked, according to a new study published and featured on the cover of the Journal of the American Dental Association by researchers at the University at Buffalo.
The study involved 1,106 women who participated in the Buffalo OsteoPerio Study, an offshoot of the Women's Health Initiative, (WHI), the largest clinical trial and observational study ever undertaken in the U.S., involving more than 162,000 women across the nation, including nearly 4,000 in Buffalo.
The UB study is the first to examine comprehensive smoking histories for participants that allowed the researchers to unravel some of the causes behind tooth loss in postmenopausal women who smoked.
The study, which appears in the journal's current issue is available at http://jada.ada.org/content/144/3/252.full.
Smoking has long been associated with tooth loss, but postmenopausal women, in particular, experience more tooth loss than their male counterparts.
"Regardless of having better oral health practices, such as brushing and flossing, and visiting the dentist more frequently, postmenopausal women in general tend to experience more tooth loss than men of the same age," says Xiaodan (pronounced Shee-ao-dan) Mai, a doctoral student in epidemiology in the UB Department of Social and Preventive Medicine in the School of Public Health and Health Professions. "We were interested in smoking as a variable that might be important."
While fewer adults lose their teeth now than in past decades, tooth loss is associated with poor health outcomes, including stroke, cancer, rheumatoid arthritis and diabetes.
In the UB study, heavy smokers -- defined as those who had at least 26 pack-years of smoking, or the equivalent of having smoked a pack a day for 26 years -- were nearly twice as likely to report having experienced tooth loss overall and more than six times as likely to have experienced tooth loss due to periodontal disease, compared to those who never smoked.
Participants provided information to researchers using a detailed questionnaire covering smoking history. Each participant also underwent a comprehensive oral examination and reported to the dental examiners reasons for each tooth lost. In some cases, the patient's dental records also were reviewed.
"We found that heavy smokers had significantly higher odds of experiencing tooth loss due to periodontal disease than those who never smoked," explains Mai. "We also found that the more women smoked, the more likely they experienced tooth loss as a result of periodontal disease."
On the other hand, they found that smoking was a less important factor in tooth loss due to caries. That's an important distinction, says Mai.
"Periodontal disease is a chronic, inflammatory condition that may be related to the development of cancer," she explains.
The paper notes that cigarette smoke may accelerate periodontal disease and that other studies suggest that chemicals found in smoke may favor plaque-forming bacteria that could reduce the ability of saliva to be antioxidative. Nicotine also has been shown to reduce bone density and bone mineral factors while estrogen hormones have been found to be lower among women who smoke.
Mai is now interested in pursuing research that could determine whether smokers with periodontal disease are at even greater risk for certain cancers than smokers without periodontal disease.
"Tooth loss due to periodontal disease is a prevalent condition among postmenopausal women that severely impacts their dietary intake, aesthetics, and overall quality of life," says Mai. "Women now have yet another, very tangible reason for quitting smoking."
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Co-authors with Mai are: Jean Wactawaski-Wende, PhD, principal investigator on the WHI, professor and associate chair of the UB Department of Social and Preventive Medicine, professor of gynecology-obstetrics, and UB's vice provost for strategic initiatives; Kathleen M. Hovey, data analyst, Michael J. LaMonte, PhD, assistant professor and Chaoru Chen, PhD, formerly a postdoctoral scholar, all in the UB Department of Social and Preventive Medicine. Mine Tezal, DDS, PhD, assistant professor and Robert J. Genco, DDS, PhD, Distinguished Professor of Oral Biology and Microbiology in the Department of Oral Biology, both in the UB School of Dental Medicine also are co-authors.
The research was funded by the National Institute of Dental and Craniofacial Research and the National Heart Lung and Blood Institute, both of the National Institutes of Health, and the US Army Medical Research and Materiel Command.
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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Postmenopausal women who smoked are more likely to lose teeth due to periodontal diseasePublic release date: 1-Mar-2013 [ | E-mail | Share ]
Contact: Ellen Goldbaum goldbaum@buffalo.edu 716-645-4605 University at Buffalo
BUFFALO, N.Y. Postmenopausal women who have smoked are at much higher risk of losing their teeth than women who never smoked, according to a new study published and featured on the cover of the Journal of the American Dental Association by researchers at the University at Buffalo.
The study involved 1,106 women who participated in the Buffalo OsteoPerio Study, an offshoot of the Women's Health Initiative, (WHI), the largest clinical trial and observational study ever undertaken in the U.S., involving more than 162,000 women across the nation, including nearly 4,000 in Buffalo.
The UB study is the first to examine comprehensive smoking histories for participants that allowed the researchers to unravel some of the causes behind tooth loss in postmenopausal women who smoked.
The study, which appears in the journal's current issue is available at http://jada.ada.org/content/144/3/252.full.
Smoking has long been associated with tooth loss, but postmenopausal women, in particular, experience more tooth loss than their male counterparts.
"Regardless of having better oral health practices, such as brushing and flossing, and visiting the dentist more frequently, postmenopausal women in general tend to experience more tooth loss than men of the same age," says Xiaodan (pronounced Shee-ao-dan) Mai, a doctoral student in epidemiology in the UB Department of Social and Preventive Medicine in the School of Public Health and Health Professions. "We were interested in smoking as a variable that might be important."
While fewer adults lose their teeth now than in past decades, tooth loss is associated with poor health outcomes, including stroke, cancer, rheumatoid arthritis and diabetes.
In the UB study, heavy smokers -- defined as those who had at least 26 pack-years of smoking, or the equivalent of having smoked a pack a day for 26 years -- were nearly twice as likely to report having experienced tooth loss overall and more than six times as likely to have experienced tooth loss due to periodontal disease, compared to those who never smoked.
Participants provided information to researchers using a detailed questionnaire covering smoking history. Each participant also underwent a comprehensive oral examination and reported to the dental examiners reasons for each tooth lost. In some cases, the patient's dental records also were reviewed.
"We found that heavy smokers had significantly higher odds of experiencing tooth loss due to periodontal disease than those who never smoked," explains Mai. "We also found that the more women smoked, the more likely they experienced tooth loss as a result of periodontal disease."
On the other hand, they found that smoking was a less important factor in tooth loss due to caries. That's an important distinction, says Mai.
"Periodontal disease is a chronic, inflammatory condition that may be related to the development of cancer," she explains.
The paper notes that cigarette smoke may accelerate periodontal disease and that other studies suggest that chemicals found in smoke may favor plaque-forming bacteria that could reduce the ability of saliva to be antioxidative. Nicotine also has been shown to reduce bone density and bone mineral factors while estrogen hormones have been found to be lower among women who smoke.
Mai is now interested in pursuing research that could determine whether smokers with periodontal disease are at even greater risk for certain cancers than smokers without periodontal disease.
"Tooth loss due to periodontal disease is a prevalent condition among postmenopausal women that severely impacts their dietary intake, aesthetics, and overall quality of life," says Mai. "Women now have yet another, very tangible reason for quitting smoking."
###
Co-authors with Mai are: Jean Wactawaski-Wende, PhD, principal investigator on the WHI, professor and associate chair of the UB Department of Social and Preventive Medicine, professor of gynecology-obstetrics, and UB's vice provost for strategic initiatives; Kathleen M. Hovey, data analyst, Michael J. LaMonte, PhD, assistant professor and Chaoru Chen, PhD, formerly a postdoctoral scholar, all in the UB Department of Social and Preventive Medicine. Mine Tezal, DDS, PhD, assistant professor and Robert J. Genco, DDS, PhD, Distinguished Professor of Oral Biology and Microbiology in the Department of Oral Biology, both in the UB School of Dental Medicine also are co-authors.
The research was funded by the National Institute of Dental and Craniofacial Research and the National Heart Lung and Blood Institute, both of the National Institutes of Health, and the US Army Medical Research and Materiel Command.
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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Controversial study suggests attention problem at root of reading disorder
By Bruce Bower
Web edition: February 28, 2013
Children with dyslexia may read better after playing action video games that stress mayhem, not literacy, a contested study suggests.
Playing fast-paced Wii video games for 12 hours over two weeks markedly increased the reading speed of 7- to 13-year-old kids with dyslexia, with no loss of reading accuracy, says a team led by psychologist Andrea Facoetti of the University of Padua, Italy. Reading gains lasted at least two months after the video game sessions. The gains matched or exceeded previously reported effects of reading-focused programs for dyslexia, the researchers report online February 28 in Current Biology.
?These results are clear enough to say that action video games are able to improve reading abilities in children with dyslexia,? Facoetti says. Although the new study includes only 20 children with dyslexia, its results build on earlier evidence that many poor readers have difficulty focusing on items within arrays, Facoetti holds. By strengthening the ability to monitor central and peripheral objects in chaotic scenes, he says, action video games give kids with dyslexia a badly needed tool for tracking successive letters in written words.
But evidence for Facoetti?s conclusions is shaky, asserts psychologist Nicola Brunswick of Middlesex University in London. The researchers tested word reading ability two months later but failed to test reading comprehension, she says. What?s more, they did so with a mere six of 10 kids who played the action video games. ?
Ten participants in a comparison group played video games that didn?t require constant scanning of frenzied scenes. These kids showed no reading improvement. All games in the study came from a Wii product called Rayman Raving Rabbids.
Action video games deserve scrutiny as possible dyslexia fighters, says cognitive neuroscientist Bruce McCandliss of Vanderbilt University in Nashville. But the new study doesn?t necessarily prove their worth in allaying severe reading problems, he says. For instance, children made many errors when reading nonsense words before and after playing action video games, although they did so in less time following the intervention. ?
Action video games may particularly help bad readers of straightforward languages such as Italian, in which written letters usually stand for single sounds (SN: 3/31/01, p. 205). Facoetti?s group ? Padua colleagues Sandro Franceschini, Simone Gori and Simona Viola, as well as Milena Ruffino and Massimo Molteni of Scientific Institute E. Medea in Lecco, Italy ? plans to study action video games as a dyslexia treatment for speakers of English and other tough-to-read languages, in which written letters can correspond to multiple sounds.
Suggested Reading
B. Bower. Video mayhem enlivens decision making. Science News. Vol. 178, Oct. 29, 2010, p. 12. Available online: [Go to]
B. Bower. Dyslexia gets a break in Italy. Science News. Vol. 159, March 31, 2001, p. 205. Available online: [Go to]
Andrea Facoetti?s website: [Go to]
Website for video games used in the study: [Go to]
COLORADO SPRINGS, Colo. (AP) ? The latest craze to sweep the Internet is bringing college students the wrong kind of attention ? from the Federal Aviation Administration.
During a flight from Colorado Springs to San Diego, a group of students started the Harlem Shake, a dance to a song of the same name.
In the suddenly popular YouTube videos, one person starts dancing, then the video cuts to a large group of people dancing, many in costume.
Matt Zelin, a sophomore, told the Colorado College newspaper, The Catalyst (http://bit.ly/13qgjK2 ), he asked a flight attendant for permission beforehand.
FAA spokesman Allen Kenitzer said Thursday they're looking at what phase the flight was in during the dance in the aisles.
Frontier Airlines says the seatbelt sign was off and safety measures were followed.
Two proteins that scientists once thought carried out the same functions are actually antagonists of each other, and keeping them in balance is key to preventing diseases such as cancer, according to new findings published in the February 25 issue of Developmental Cell by scientists at Fox Chase Cancer Center. The results suggest that new compounds could fight cancer by targeting the pathways responsible for maintaining the proper balance between the proteins.
"It's our job now to understand how we can intervene therapeutically in this system, so we can restore balance when it's thrown off," says study author David L. Wiest, PhD, professor and deputy chief scientific officer at Fox Chase.
The two proteins?"Rpl22" and "Rpl22-like1", which contribute to the process by which additional cellular proteins are made?are created from two similar genes, leading researchers to previously believe they were performing identical functions in the body. "What we're finding is that is absolutely not true," says Wiest. "Not only are they performing different functions, they are antagonizing each other."
During the study, Wiest and his team knocked out Rpl22 in zebrafish?a common model of human disease. Without Rpl22, the zebrafish don't develop a type of T cells (a blood cell) that helps fight infections. The same developmental defect was observed when they knocked out Rpl22-like1, indicating that both proteins are independently required to enable stem cells to give rise to T cells.
But when the researchers tried to restore T cells in zebrafish that lacked Rpl22 by adding back Rpl22-like1, it didn't work. The reverse was also true?Rpl22 was not enough to restore function after the researchers eliminated Rpl22-like1. These results led Wiest and his team to believe that, although the proteins are both involved in producing stem cells, they do not perform the same function.
To learn more about the proteins' individual functions, the researchers looked at the levels of different proteins involved in stem cell production when either Rpl22 or Rpl22-like1 was absent. Without Rpl22-like1, cells had lower levels of a protein known as Smad1?a critical driver of stem cell development. And when Rpl22 disappeared, levels of Smad1 increased dramatically.
Both proteins can bind directly to the cellular RNA from which Smad1 is produced, suggesting that they maintain balance in stem cell production via their antagonistic effects on Smad1 expression, explains Wiest.
"I like to think of Rpl22 as a brake, and Rpl22-like1 as a gas pedal ? in order to drive stem cell production, both have to be employed properly. If one or the other is too high, this upsets the balance of forces that regulate stem cell production, with potentially deadly effects," says Wiest.
Specifically, too much Rpl22 (the "brake"), and stem cell production shuts off, decreasing the number of blood cells and leading to problems such as anemia. Too much Rpl22-like1 (the "gas pedal"), on the other hand, can create an over-production of stem cells, leading to leukemia.
Previous research has found that Rpl22-like1 is often elevated in cancer, including 80% of cases of acute myeloid leukemia (AML). Conversely, researchers have found that in other cancers, the gene that encodes Rpl22 is deleted. "Either one of these events is sufficient to alter the balance in stem cell production in a way that pushes towards cancer," says Wiest.
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Fox Chase Cancer Center: http://www.fccc.edu
Thanks to Fox Chase Cancer Center for this article.
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