Scientific Reasons Behind Why You Should Visit Hindu Temples

The common notion is that a visit to the temple is just to pray for God’s blessings. But the truth is that, temples are the best places to relax and to calm your body and mind, too. That is a scientifically proven fact. Here is why:

The Location and Structure of the Temple

Temples are filled with positive energy because they are built in a particular way. For instance, the main idol is placed at the centre of the temple, known as Moolasthanam, where earth’s magnetic waves are found to be quite strong. And the structure of the temple is built around it. That is reason for the positive energy.

Removing Your Footwear before Entering Temple

Temples are epicentres of positive energy. The floor at the centre of the temple is a good conductor of these positive vibrations. And if you want to allow positive energy to pass through your feet to the body, you should not use footwear. Another reason is that shoes and chappals will have all the impurities as you use it everywhere. Hence they tend to spoil the pure environment of the temple.

Activating the five senses

All five senses in your body should be activated if you want to absorb the positive energy in the temple.

Ringing the Temple Bell

The hearing sense is activated by ringing the temple bell before entering the inner temple. If you have noticed, after ringing the bell the sound lasts for 7 seconds in echo mode. This timeframe is sufficient to turn on all the seven healing centres in our body. Our brain will also be free from all kinds of negative thoughts. The idol also absorbs the bell sound and it is vibrated within the Moolasthanam for some time.

Lighting Camphor In Front Of Idol

The sight sense is activated by lighting camphor. The inner core where the idol is placed is usually dark. When you pray you close your eyes and after that you open your eyes and see the camphor, which is lit to do the Aarthi. Your sight sense is activated when you see the light after the dark.

Placing Hands over the Camphor Flames

After offering the prayer the camphor is brought to you, and you usually put your hands over the camphor to make your hands warm and then you touch your eyes with your warm hands. This is to activate the touch sense.

Offering Flowers to God

Flowers are beautiful to look at. They are soft and have a lovely fragrance. Only certain flowers that have fragrance like jasmine, rose, and marigold are used in offerings. It is to keep your smell sense active that flowers, incense sticks and camphor are used in temples.

Drinking Theertham

A silver or copper vessel is used to pour Theertham, which usually has thulsi leaves. It is kept aside for eight hours in the copper vessel. This is to positively charge the water. To balance all the three doshas in your body (vata, pitta and kapha) water should be stored in a copper vessel, which is a scientifically proven fact according to Ayurveda. You activate the taste sense by drinking this Thulasi water.

Doing Pradakshina around the Moolasthanam

The Moolasthanam absorbs all the energy and your five senses are also activated when you ring the bell, light the camphor and offer flowers and fruits. You tend to absorb all these positive vibrations when you do the pradakshina.

Applying Tilak/Kumkum

A major nerve point in human body lies between the two eyebrows on the forehead. The Tilak is believed to prevent the loss of “energy”. You press your forehead while applying kumkum. This also facilitates the blood supply to the face muscles.

Offering Coconut and Banana to God

Unlike an apple, coconut and banana are considered as sacred fruits. Apple is treated as tainted because an apple tree grows from the seed of another eaten fruit. To grow a coconut tree and plantain you need to plant an entire coconut and a sapling, respectively.

Accounts Receivable Factoring Saves Small Businesses Nationwide

Small businesses nationwide have been severely damaged by the credit constraints after a year of economic woes. But while many small businesses have had to close their doors, others have managed to survive using invoice survival tactics such as factoring.

It is definitely too late for all of the United States businesses that have been forced to close their doors over the last year, even though the Obama administration is now planning to assist small businesses in applying for loans. What’s more, the U.S. House of Representatives is planning legislation toward increasing the ceiling on federal government loan programs. This commitment to small businesses includes additional loan increases outlined in the House bill; redirecting some of the unspent funds from the Treasury’s Troubled Asset Relief Program (TARP).It will also provide capital to regional banks and communities nationwide.

There are an estimated 29.6 million small businesses in the United States: They employ more than half of the country’s private sector workforce; and hire 40 percent of high tech workers. This includes 52 percent home-based businesses and two percent franchises; represents 97.3 percent of exporters of goods and 99.7 percent of all employer firms. Small business generates a majority of the innovations that come from U.S. companies.

Over the last year, tight credit markets have continued, scores more businesses closed, and now even a fast track plan may be too late to save some small businesses that have been critically damaged by the economy.

In the year 2008, small business openings and closings included:
– 627,200 new businesses, and 595,600 business closures, with more than 43,546 bankruptcies.
– Seven out of 10 new employer firms survive at least two years, and about half survive five years.

These findings do not differ greatly across industry sectors.

There are many businesses that have managed to stay in business and benefit from the working capital garnered from invoice factoring for small business in the face of these credit constraints at mainstream banks.

Factoring is not a loan – it is the purchase of financial assets, or receivables, and it differs from traditional bank loans in that bank loans involve two parties, while factoring involves three parties. Most financial institutions base their decisions on a company’s credit worthiness, whereas factoring is based on the value of the receivables.

Accounts receivable factoring benefits businesses that do not get paid for 30 to 60 or 90 days by advancing up to 90 percent against invoices to be paid.

Factoring begins with due diligence that typically takes one to two business days, and after this has been completed the client is at liberty to offer invoices to IFG for purchase. Upon receipt of invoices, IFG checks the credit of the debtor named on the invoice and makes sure that the sale represented has been satisfactorily completed. Once this is done the debtor is advised of the purchase by IFG and the client receives their funding.

Sources: U.S. Small Business Administration Office of Advocacy, September 2009; Survival and Longevity in the Business Employment Dynamics Database, Monthly Labor Review, May 2005. Redefining Business Success: Distinguishing Between Closure and Failure, Small Business Economics, August 2003.

Credit Unions Banking On Bills To Lift Small Business Lending

“I tried all of the big banks, literally all of them, and was shocked and surprised that I got turned down,” said McCarthy, who purchased four Baskin Robbins stores in his area this spring with a $300,000 loan from Mountain America Credit Union in Salt Lake City, Utah. “The big banks didn’t want to lend a little money; they wanted to lend a lot of money.”

Commercial bank loans of less than $1 million have fallen by more than 14 percent compared with 2008 levels, according to Federal Deposit Insurance Corp data.

Meanwhile, credit union business lending jumped 22 percent from 2008 through the end of 2011 to $39.1 billion, according to the National Credit Union Administration, which regulates credit unions.

Nevertheless, business loans represent only 4 percent of total credit union assets of roughly $1 trillion through March, and many credit unions would like to do more.

But some individual credit unions cannot — they are nearing their legal limit. A 1998 cap restricts credit unions from lending more than 12.25 percent of their

Credit unions have lobbied for more than a year to get Congress to raise the lid, but opposition from the banking industry has stalled proposed legislation. Credit unions are now focusing on legislation introduced this spring by U.S. Sen. Mark Udall, a Colorado Democrat, that would increase the lid to 27.5 percent of assets and has a better chance of passing. Senate Democratic leader Harry Reid has said the Senate would vote on a bill this session in what is expected to be a very close decision.

The American Bankers Association and others have lobbied against the change. The ABA says credit unions lack the institutional resources needed to do more commercial lending. Additionally, the tax-free status of credit unions gives them an unfair competitive advantage over banks. Credit unions operate as democratically controlled cooperative institutions, serving only their members, on a not-for-profit basis.

“Credit unions have a mission identified by Congress to serve people, primarily consumers, especially those of modest means,” said Keith Leggett, an economist with the ABA. “Expansion of the cap would represent a fundamental shift or change in the credit union charter.”

Leggett concedes the recession and weak economy have hurt the balance sheet of many small businesses, making it difficult for some to borrow from banks. Current lower interest rates have added to the challenge of banks’ ability to make small business loans, he said.

“However, we’re in a relationship business that goes beyond just a loan to other products,” Leggett said, adding, “banks are making loans to every credit-worthy customer they can find.”

While several credit unions suffered significant losses from bad business loans in recent years, Debbie Matz, chairman of the National Credit Union Administration, calls the cap “arbitrary.”

“Credit unions tend to make very small business loans,” she said. “Generally banks don’t even make a loan that small,” she said, noting the average credit union business loan is about $230,000. “They’re filling a very important need to for small businesses.”

Those charged with finding new sources of capital for small businesses say anything that creates more financing options cannot be bad.

“I strongly believe that if credit unions are given a little bit more leeway, the overall small business lending environment in the country will improve,

directly and indirectly,” said Rohit Arora, CEO of Biz2Credit, an online service that has helped McCarthy and other small business owners arrange financing from a variety of sources.

Not every credit union is active in small business lending. In fact, only about one-third of federally insured credit unions have commercial lending programs,
according to NCUA data from the end of 2011. Many offer loans backed by the Small Business Administration. Business owners seeking commercial loans should inquire whether a program is offered at their local credit union.

“In certain instances I think it is easier to get loans from a credit union as opposed to a bank,” said Steven Parker, the co-owner of an upscale dog boarding business, K-9 Resorts Daycare & Luxury Hotel in Fanwood, New Jersey.

Parker and his brother secured a credit union loan of $180,000 from Financial Resources Federal Credit Union in 2010 for working capital. They are now scouting out credit unions that can help finance new operators interested in franchising their business.

“They were offering lower rates than a traditional bank,” Parker said.

The Good & The Bad Of Small Business Loans

If you have or want to start a small business, getting a small business loan will help ensure your success. While some people have the money to invest into their small business, many others do not have the capital available to allow their ideas to develop unless they get a small business loan. While it can be hard to get a small business loan, it can be done. There is a risk involved with lending to people who are starting small businesses because the majority of small businesses end up failing within two to five years. As a matter of fact, when you apply for a business credit card, many places will require your business to have been incorporated for at least two to three years before giving you credit under your company’s name.

Now if you have good personal credit, especially if you have great personal credit scores above 750, it will be entirely possible for you to get a loan for your business in your own name. The problem with this is that the loan will appear in your personal credit report, which can help to bring down your personal score since it is a brand new loan — even more so if you are ever late on it. However, if this is the only way you can get capital for your business, it may be worth the personal score hit. Small businesses are becoming more common and, the more common they become; it will be easier for you to get a loan. Most major banks now give small business loans to their customers. As a matter of fact, when you open a bank account for your business many will try to solicit you into applying for a business credit card or a loan.

For those who cannot get a small business loan on their own, because they might be a little bit more risky for the bank, they can try to seek assistance through the small business administration (SBA). The problem is that many people do not understand how the SBA works. Many of them falsely believe that the SBA will actually lend you the money, which is really not true. What the SBA will do for you, to help you obtain a small business loan, is guarantee that loan for the lender so that, if you default, they will pay the lender a percentage of your balance.

The bad news is that this cannot guarantee you will get a small business loan. The reason is because many lenders will still assess how risky you are, since the SBA will often only pay a percentage of the loan — which usually does not include the interest you may have incurred and any other fees. They know that if you pay the loan then they are likely to get all of their money, whereas they might have to settle with the SBA for a particular amount — leaving them with little to no profits.
In any event, seeking help from the SBA seems less risky, since they will have something to fall back on if you don’t pay your small business loan or if your company goes down to the tubes.

All in all, if you can get a small business loan, it can really help you grow and expand your business and will provide you with additional capital to help keep your cash flow open. Just make sure that you don’t take up a loan that is too large and you are unable to pay back, otherwise you could be end up spending all of your profit and leave none for yourself and your business.

Five Tips For Stress Free Travel

Let’s face the fact; the whole traveling event is quite stressful. We plan a holiday to get away from the pressures of home and work, but navigating through the airport to catch your flight becomes the most stressful part of the whole trip. You don’t want to become all stressed before you even leave the airport, so here are some helpful tips that will help you travel smoothly without any stress and enjoy your vacation.

Arrive Early

Long gone are those days when you can show an hour before your flight, but now the circumstances have changed a lot. Many times I have seen people waiting outside in the parking for a shuttle complaining that they might miss their flight if the van doesn’t come soon. That’s why my honest recommendation that arrives at least three hours before your flight at the airport.

Pack Light

The best way to reduce stress is by packing light. If you can pack light with only one carry-on bag, it will save you time at the check in counter. You can walk straight to the computer, check in your bag and be on your way to the security line in not time. Trust me, lugging a heavy back anywhere can be stressful. You will realise half of the things you don’t need on your vacation, and you won’t be happy with all that clutter you carried for no reason.

Check In Online

Check in 24 hours before your flight will save you a lot of time and will help you in avoiding all the hassle at the airport. Make use of your smartphone, check in online and either get a print out of your ticket, or you can save it on your phone. That way when you reach the airport, you don’t have to waste your time at the check in counter.

Be Prepared

Be ready to face strict security measures at the airport. I keep all the things that I need out onto the bin, so they are readily available. When I reach the conveyor belt, everything is out in a flash. All liquids should be packed in a bottle of 100ml or less and then kept in a small Ziploc bag. Don’t wear any metal jewellery or keep any loose change with you as it will beep when you pass the security check and create trouble.

Create A Care Package

When packing your luggage pack a small handbag or backpack in which you can carry the things that you will need during the flight. Ever since I started carrying a small bag with me, my trips have become more enjoyable. I usually pack things that I’ll be needing urgently like the following:

• Ear buds to prevent noise

• Lip balm and skin moisturiser

• Hand sanitizer

• Credit Card to make any in-flight purchases

• Travel toothpaste and toothbrush

• iPhone

• Sunglasses

• Some basic meds if I feel nauseate on the flight.

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10 Signs It’s Time for You to Travel

1. The thought of getting up and going to work makes you feel sick… literally!

We’ve all been there. The “calling in sick” phone calls to your manager that you despise, just so that you can take the day off to binge watch your favourite television series on Netflix. But the truth is, when your purposely dodging your work shift, or counting down the minutes until you finish work, there’s a serious problem that you need to finally confront. Switching up your routine or even going somewhere for a long-weekend can revitalize you and uplift your spirits.

2. You spend way too much time living in the past and forget about the present.

Your life is governed by the “What If’s, Should have’s and Could have’s”. Doubt and fear seem to creep its way into your mind and you spend the rest of your days worrying about past choices and experiences. It’s time to wake up! You can’t change what you did or how that relationship ended. Focus on the present, and kick doubt and fear in the ass!

3. Your patterns are predictable… You’re stuck in Groundhog Day!

7am, your alarm rings, out of the house by 8. Stop by your local drive-through coffee shop for your morning caffeine fix. Commence your 9-5 cubicle cookie-cutting job and throughout the day engage in “dexter” small-talk and banter. You drive home, sit on your favourite couch and crush the next season of Game of Thrones. You do it all over again the next day, and the next and so on. If someone wanted to stalk you, frankly speaking it would be too easy. Break free from the rut and explore what this world has to offer. You’d be surprised what you’ll find.

4. Nothing exists beyond your city!

Why travel when you can get the best Szechuan in China Town or have the most delicious Cannoli’s in Little Italy? True, some of the best ethnic foods can be found right under your nose, however to think that “there is no world beyond New York City” or any mega city is absurd. Travelling to a country and experiencing an entirely new environment and culture can really kickstart your senses. So here’s to it… indulge!

5. Small town girl, You’ve been living in your small town world.

I get it… going from knowing your neighbours and the cashier at your local grocery store to getting lost in Thailand’s full moon festival and knowing absolutely no one can be pretty daunting. The truth is, you have to feel comfortable with being uncomfortable to experience life in a different way. Getting used to feeling like a “visible minority” or experiencing language barriers can make you understand and empathize with the other side of the dialectic. It’ll open up your eyes to a world beyond your small town.

6. The English Epidemic

It’s always interesting to see tourists getting frustrated when they travel to a foreign land and expect natives of that particular place to speak English. Cultural insensitivity is probably one of the worst qualities to display on your vacation. If your mind craves a challenge, choose a country that speaks a language that is unknown to you and learn some of their salutations and conversational expressions. You’ll make quite the impression and even gain a lifelong friendship with a local.

7. Stop reading about it, Go live it!

You pick up the National Geographic and read all about the amazing Safari adventures in Kenya, the vibrant eccentric colours of Marrakech and the exhilarating smell of lamb kebab that creeps through the narrow alleyways of Tehran. You take a moment, envision yourself in these pictures and then snap back to reality, allowing doubt and fear to snatch your dreams away. Stop reading about these wonderful places and feed your desires. Book that ticket and spend your nights dreaming about the adventures you’re about to embark on.

8. FoMo

The fear of missing out-hereafter referred to as FoMo, is no joke. FoMo is the desire to stay connected and partake in events that others are doing. It has also been referred to as having a fear of regret. This fear has a way of creeping its way into social gathering discussion topics of “who has the latest gadget” or “who has travelled to Monaco?” If you’re feeling particularly left out in the conversation, maybe it’s time to pack your suitcase and head over to a destination that will take over next weeks dinner gatherings discussion.

9. Single and ready to Mingle?

Sex and the City’s Samantha Jones said it best: “I’ve been in a relationship with myself for 49 years and that’s the one I need to work on.” There is no better way to learn more about yourself than to travel alone. Taking yourself on a lovely date, catching a matinée alone or doing some solo travel might feel a bit awkward at first, but getting to know the awesome person that you are should be cherished and celebrated. So here’s to celebrating you!

10. Big Decisions, Big Commitments

Whether you are entering University, starting your new career or settling down with the love of your life, it’s always a good idea to travel prior to these commitments. It will allow you to feel balanced, re-energized and ready to take on what’s to come.

Looking For Business Credit And Small Business Finance

Looking for business credit involves much time and effort from business owners in order to find the best financing options available. Business credit refers to a company’s history of debt payments and revenue. In order to establish credit, a business must first compile a persuasive business plan that outlines its services, method of operations, and future plans and goals. Potential lenders use this plan to determine whether or not to approve a business’s loan application.

A successful business plan begins with the contact information for the business and its owners and a summary of how the business is organized. Owners should also include a description of the products or services offered and how they will be manufactured or developed. It’s also important to outline the potential market for these products or services and to develop a marketing plan to reach a wider consumer database. When looking for business credit, owners should also explain the payment and duties of employees, potential income sources and how they will be used, and all financial documents pertaining to the business.

Once this business plan is completed, potential lenders will also look at a business’s current credit standing. When looking for business credit, owners should know what lenders look for in a credit profile. Lenders consider capital, the money invested by the owner; collateral, the security available to back up loans; capacity, the ability to repay a debt; conditions, how the money will be used; and character, the trustworthiness and maturity of a potential borrower.

Looking for small business finance typically requires an entrepreneur to research the various funding resources available to find the ones that best suit the needs and capabilities of the business. The Small Business Administration (SBA), commercial banks, and other financial companies provide loans to small businesses.

Most entrepreneurs looking for small business finance go to the SBA, a government agency that provides funding to businesses that have been turned down by traditional lenders, such as banks. The most common SBA loan program is the 7(a) loan. To qualify for the loan, a business must employ fewer than one hundred employees and submit the necessary financial documentation. Financial documentation requirements for start-up and existing businesses vary, but both require a business plan. To apply for the 7(a) loan, business owners should gather the needed documents and meet with a lender who participates in the SBA guaranty program. While the SBA itself does not provide funding, it does guarantee a certain percentage of a small business loan to minimize the lender’s risk.

Existing businesses may find small business financing from banks and independent financial companies. These lenders usually require personal and business financial documents, credit reports, and a business plan to consider an application. Most applications are available online, and approval can take as little as one business week. The exact loan terms vary by lender, type of loan, and an applicant’s financial history.

7 Big Business Secrets To Increase Your Small Business Success

Whether the economy is up or down, no matter what is happening in the world, most small business owner’s work hard anyway. It’s never been easy to start a business, nurture its growth and succeed in any line of business. It’s competitive, more so in some industries than others, but every butcher, baker, candlestick maker or software developer started the same way – small.

There are an astronomical number of variables that are involved in any business success, certainly, but there are also some truisms that seem to apply always and everywhere. The primary ingredient in success, of course, is not genius, creativity, a college education or a lot of working capital. The key is persistence, pure and simple.

Of course, it pays to be persistent with some genius, creativity, a college education and a lot of working capital, plus a few other things. If you are starting or running a small business, much can be learned from those who have gone before you. Whether their firms grew to be international conglomerates or found their sweet spots as a profitable SMB (Small- and Medium-sized Business), business owners that have taken their companies from “smaller” to “bigger” can impart a great deal of useful information to you. You can learn a lot from them.

The following big business secrets to increase your small business success are not in any particular order. They do share a few things in common. They don’t cost any money, not directly at any rate, and most are related to your attitudes, work habits and way of thinking. There’s a proverb that says, “As a man thinks, so he is,” and there is much truth in it. Your attitude is one of the most important ingredients of your business success formula, assuming that you follow up the thinking and planning with action and energy.

1. Business plan: Just about every big business achieves and maintains its success by following a business plan. If you don’t have one, you are courting disaster. A thorough business plan, besides being required by bankers and investors, is your map to the future, your primary operations manual and a major component of your firm’s very identity. If you don’t know how to create one, there are many free templates and much good advice on the Internet, as well as from the Small Business Administration and other sources.

2. Strategy: The business plan will contain an overview of your company’s strategy and goals, but you should flesh these out more fully for yourself (and other employees, if you have any). One business analyst compares these strategic documents to a battle plan, indicating where to focus efforts and allocate resources, as well as pointing out the challenges and obstacles ahead. You need to learn how to think strategically.

3. Tactics: Tactics differ from strategy, in that they are the actual action steps that you take to execute the strategic plan. The strategy may be to capture business for your photography studio by marketing your service to schools in your area, while the tactics may involve personal visits, phone calls, e-mail, flyers or (better yet) some combination. Big companies have entire departments (marketing) devoted to developing promotional tactics.

4. Negotiation: Big companies negotiate everything, and some small business owners erroneously think that GM or GE can do so simply because of their size. But that is only part of it. Everything from financial matters to employee relations can benefit from firm, honest negotiation, regardless of the amount of money involved. As far as dealing with your own vendors when buying supplies, raw materials, etc., don’t be afraid to negotiate everything – the price, discounts, delivery charges, restocking fees or any other cost. The same attitude should prevail in your dealings with your employees, if you have any. Good negotiators, like good salespeople, cultivate their listening skills, and listen even more than they speak. Listen closely to people, and they will tell you what you need to know to sell, manage or persuade them. They may not do so directly, so learn to “listen between the lines.”

5. Professionalism: It is great to have a comfortable, even casual workplace, as far as dress code and first names and so forth. The most successful big businesses have learned, however, to communicate to their employees the importance of professionalism. Although the term applies to several things – appropriate clothes, polite language, respect for others, etc. – primarily it has to do with an employee giving their employer a day’s work for a day’s pay. The balance is often hard to maintain in small firms, where everyone knows everyone else and people are in close proximity to one another. But excessive visiting, gossiping and talking on the phone are real profit-killers. You and your employees should all be subject to the same rule here, which can be reduced to a simple, “Work during work time, visit during breaks and lunch.” It’s tough to break old habits, but productivity will suffer if employees are not attending to their tasks.

6. Efficiency: While professionalism means, among other things, working when you’re supposed to be working, efficiency is achieved by working “smart.” One good example goes by many names, but the “4F Method” is catchy and easy to remember. It has to do with paper handling, which is not restricted to white-collar office workers. Shipping and receiving personnel deal with mountains of paper, too. Big businesses teach their employees variants of the 4F Method, which gives you four choices of what to do with a document that comes across your desk (or forklift) – Finish, Forward, File or Flush. You would Finish the report your boss gave you, Forward the memo about the meeting, File the receipt for the supplies you bought and Flush (throw away, shred, burn, whatever) last week’s flyer for the receptionist’s baby shower. Another big business tip that has grown in popularity concerning paperwork instructs workers to “Handle it once.”

7. Clairvoyance: All right, you’re correct – no one can really predict the future. However, big businesses put a lot of brainpower into staying abreast of developments, and not just in their own industries. Obviously, companies whose management teams were aware of the problems showing up in various economic indicators last year (freight indexes, purchasing agent reports, manufacturing volumes, etc.) were at least somewhat better prepared for the credit crunch and layoffs of 2008 and 2009. You cannot bank on any psychic help (why aren’t all psychics richer than Gates and Buffett?) but you certainly can stay on top of things, the most important of which are (1) what’s happening in your particular industry, (2) what’s happening in the U.S. and the world (economics, politics, trade, etc.), (3) what’s happening with your finances and (4) what’s happening with your customers’ finances. Stay informed, stay involved and you will be able to navigate somewhat more easily through economic turmoil.

None of this is easy, and nothing is guaranteed to bring you riches. The list of “big business tips for small business” could go on for many pages, of course. If you adopt some of the thinking that has worked for others, however, you stand a better chance in the always competitive, always unpredictable world of business – whether your company is big, small or in between.