Monthly Archive: October 2017

A Beginner’s Guide On Choosing The Right Bedding

Foam mattress, hybrid, innerspring, and latex mattress. These names can be intimidating for a first-time mattress buyer, and you might end up with a cushion that does not fit your lifestyle or sleeping habits. To avoid these little confusions, you can go through reviews on that lists names of the top award-winning mattresses. They are exactly what recommends for a comfortable sleep at night.

How do you make sure that the bedding is right for you? Take help from these tips.

Know Your Mattresses
Identify the different mattresses available in the market. These days you can find names like classic firm, memory-foam, and latex mattress. Here’s a list of the 5 common types of bedding:
· Memory-foam: They have a unique feature to contour to your body and distributes your body weight evenly across the bed.
· Innerspring mattress: One of the oldest and popular mattress ideas, materials like foams, fibres, and extra steel springs offer you a great degree of comfort.
· Hybrid mattress combines the benefits of memory foam cushion and the feel of an innerspring mattress.
· A latex mattress is durable and supports sleepers without causing pressure on hips and other areas.
· Foam mattress is available in materials like gel foam and memory foam, and they provide comfort who sleepers who tend to move around the mattress at night.

Address Your Physical Needs
· Do you sleep on your back, side or stomach? Some mattresses are designed specifically for a particular sleeping position.
· If you have difficulty in movement, you must consider buying a mattress that eases the process of getting out of bed.
· How much physical space do you and your sleeping partner require? A queen-size bed is sufficient for average-built couples. However, if you are tall, a king-size bedding will be ideal.

How much are you willing to spend on a good quality mattress? Price ranges from $500 and above. When you know what exactly you want and how much budget is set aside, your task becomes simpler. Most of the mattress stores sell accessories like a pillow cover, bedspread, bed frame, and other optional items. Buy them only if you feel they are absolutely vital for you.

Do Research On The Mattress Store
· Make a list of all the mattress stores in your vicinity. Read reviews posted by customers to help you arrive at a logical conclusion. If you liked a particular bedding in a store, you can always go back and purchase them.
· Once you are in the store, ensure that you get a feel of the mattress you are interested in. If you feel uneasy or you are not comfortable, it will not make you feel better at home.
· Check an expensive mattress first to experience what level of comfort it offers. You can later compare it with the other economically priced cushions until you find the one that meets your personal requirements.
· Don’t just sit on the mattress and judge its comfort level. Lie down comfortably on the bedding and arrive at a conclusion. If you are impatient to be prepared to face disappointment once you take the mattress home.

Use The Trial Period To Your Advantage
Your body takes time to get used to the new mattress, and after a period of three to seven days you should get an answer to these questions:
· Do you wake up feeling fresh or is there body ache and soreness in the body?
· Do you toss around in your bed or does your back sink comfortably inside the mattress?

Despite precautionary measures, if you are not comfortable with your new bedding, it is best to return it at the earliest.

An Insider’s Guide On Microloans

If you are the owner of a startup company or are self-employed, you can avail micro loans from banks for all your business needs. These are short-term loans with a low-interest rate and generally, do not exceed $35,000. You can use these micro business loans to buy inventory, essential supplies, fixtures, and you can even use the loan to buy another business. For more details on leveraging your business on social media, you can turn to and subscribe to their newsletter.

Terms And Conditions Apply
· The repayment term and interest rates vary from one microlender to another. However, the upper limit is 6 years for all.
· Most of the microlenders require at least one of the owner to provide a valid collateral as security.
· If you are obtaining a microloan from an SBA-backed financial institution or any other SBA affiliated program, the borrower must meet certain business requirements in order to qualify for the loan.

Types Of Business That Use Microloan
Several businesses do not require lots of investment to make it big in the industry. For example, there was an entrepreneur who prepared cheese at home. They turned into a sensation overnight, and everyone wanted to buy the cheeses. Due to lack of sufficient capital, the entrepreneur could not buy the basic tools, machinery, and raw materials for the production.

This is where a microloan comes into the picture. You can use this loan to propel the business in the right direction.

Few Lenders You Can ‘Bank’ Upon
Here are a few non-profit lenders that are not backed by SBA.

· Kiva- You get a unique chance to raise money for entrepreneurs in different parts of the country. You can start off by contributing as little as $10 or more and help interested business owners in planning the future of their business.
· At Opportunity Fund you can get microloans for the capital investment, machinery purchase, and other business related needs.
· You can obtain micro loans ranging from $500 up to $50,000 at Accion USA. You can use the loan amount to remodel the warehouse, buy another company, purchase the latest inventory, and so on.
· Grameen America is an international organization that addresses the financial needs of local communities and women. It has an interesting system of functioning. Interested participants must form a group with other like-minded women. After a week of financial training, each participating member can open a savings account and they receive $1,500 for their business plan.

How To Qualify For The Microloan?
There are several factors like your current financial situation and your credit score that can come in the way of getting a microloan. In addition to this, lenders will have different criteria in order for the borrower to be eligible for the loan. Here are few ways how you can improve your chances of getting approval for the microloan.

· When you apply for a loan, you should be prepared to face a volley of questions regarding your professional background. You will be asked details about your qualification, experience, and any other detail to support the fact that you can handle the business well.
· If you can carry along financial data like a balance sheet, budget, and other documents, it will instill confidence in your capabilities to the lender.

Do some research work and equip yourself with the right skills, so you are qualified to receive the microloan for your small business.