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 How To Get Credit For A New Business Case Study
How to get credit for a new business
Written by Janet Gershen Siegel

Do you know how a new business can acquire a business line of credit? As a new business, by
definition, you have no or little business credit history, so it could be difficult. When you ask: What
is the credit score of a new business? The answer is it s usually not so hot. But you can get past that.
Here are some ideas which will work.
Use your personal credit to get started

At some point, you will want to stop doing this, but at the beginning, you have got to get your new
business off the ground, and that means you will need developmental funding. This is funding to do
anything from paying a rental deposit for an office to purchasing a set of prototypes for a ... Show
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No matter which kind of vendor you get trade credit with, be responsible and, of course, pay them
on time (and early, if you can swing that). Not only does that reinforce and maintain that relationship,
it also counts toward your credit score.
Be responsible with any credit you ve got, including personal

This may feel a bit like an obvious fact, but your use of currently existing credit will be what any
creditor (trade or banks, etc.) will use to ascertain if you can pay your bills on time and are,
therefore, what is considered a good credit risk. Suddenly squandering all of your personal credit
at the tables in Vegas is not going to endear you to future lenders. New companies in particular, no
matter how cautious they are, are generally evaluated as the full credit package. That is, both
personal and business credit scores are under consideration. If you look like a bad credit risk on the
personal credit side, you ll appear, to future lenders and creditors, to be an equally poor credit risk
on the business side of things.
Establish your business under IRS rules

And finally, because a new business and its credit will inevitably be conflated with the personal
credit of its founder(s), take steps to separate the two. One of the most significant steps you can
take is to apply for an IRS EIN (employer identification number). By declaring to the IRS that your
new business is the real deal, and not just a pipe dream
 My Life In High School
y name is Madison Newman. I am tall with auburn hair and blue eyes. I live the normal life of a
seventeen year old in high school. I have sublime friends, a great boyfriend, and an even better
family that surround me. I plan to go to an excellent college to become a Structural Engineer right
after I figure out how to pay for it. My life is going to be unforgettable. Whenever my eyes open, I
see my mother, and she tells me it s time to wake up for school. Today is the last day before Winter
Break. Today, I will take the remainder of the final exams I will ever have to take in high school. Just
another day of senior year. I roll over to see my mint green walls and my turntable with an Abbey
Road vinyl on it, not spinning. I toss my feet over my bed and stand up for another day of senior
year. I go to school, where I am surrounded by friends. They are up to their normal shenanigans
making jokes and laughing about who know s what. I see my boyfriend with them, fitting right in
with the group s persona. His name is Will, and he is tall with dark shaggy hair and blue eyes. I
finish out the school day with the relief that I won t be cursed with finals again until college.
After school, I walk out to the parking lot with Will and hop into his car. We drive to my house
and sit down on the couch to watch our favorite show, Grey s Anatomy. We watch at least one
episode almost every day. Eventually we get restless and go to his house where he plays video
games and I do my homework or look through social media on my phone. Occasionally we go over
to a friend s house, or go out and find something to do in town. *** When my eyes open, I see a
stranger, who is informing me it s time to wake up and take my medicine. Medicine? I don t take
medicine? I sit up to see white walls with a painting of a lighthouse hanging on the wall to my
left. I notice the room has one large window, and a white couch underneath the lighthouse
painting. Where am I? The stranger is still standing in front of me with a tray that has two blue
pills and a glass of water on it. I question the stranger, and ask why I need to take this medicine and
where I am, but when I hear his response I do not listen. I m not fond of the stranger, and it
 The Jade Peony by Wayson Choy
This passage is adapted from Wayson Choy s The Jade Peony and portrays the fear of a young
boy who has recently lost his mother. The reader is able to infer the situation from the passage
despite it not being clearly mentioned. The reader infers that the passage is about a juvenile boy
who sits beside his dying mother and is then taken care of by family friends, predominantly the
Chins. The reader is able to assume that the mother of the child has died, by the mention of how
my [his] mommy s voice... would never say again. This along with the hullabaloo and a sense of
emergency projected in the first paragraph indicate that the mother is no more. The rigid arms
suggest that the mother s arms are dead. The cacophony of the word rigid creates a sense of
chaos for the readers. The passage is written in first person narrative, providing the reader with
meaningful insights from the boy who has lost his mother. The author makes use of varying
sentence styles. Simple sentences are used to merely narrate the event Mr. Chin was shouting
instructions. Mrs. Chin called my name. These simple sentences help maintain a slow pace of the
text, and create a dull tone to commemorate the death. Some sentences like the ones in Lines 3 5
are fragmented, revealing the incident one step at a time. Choy makes use of various symbols and
techniques to provide reassurance to the young boy. Anaphora is successfully used in Lines 7 ( Don
t be afraid... don t be afraid... ) to reassure the boy
 Bruno Is Not Dead
ONE
Bruno is not dead. His voice still rings in my head, his scent of cacao and dirt still linger in my
nose. I wish I could touch him and wrap my arms around torso, and tell him how sorry I am. But I
cannot, I am a coward. I am afraid of looking at my son. I know that he is still around, I can feel
him following me. I can feel his cold stare lurking behind me, I can feel the guilt he put upon me.
Whenever you lose something, a necklace, your keys or whatever. Everyone tells you to look in
the last place you saw it. You search everywhere, but without luck it is nowhere. The last place I
was able to talk to Bruno was in my office, where I now spend the last of my crippling days.
Earlier this month I decided that there was something wrong ... Show more content on
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This was the same boy who would read an entire adventure book in less than a few days. This was
the boy who would go on adventures all over Berlin. This was the boy who was so full of life.
Bruno s eyes looked empty like soulless pits of gray, his body grew thinner in fact so did his face.
His skin looked sick and pale and his head was still bald. Looking at him made me weak.
Bruno almost looked like a Jew.

TWO
Every time I visited the gas chambers there Bruno sat, staring at me almost as if he wanted to tell
me something. Today, I worked up the courage to go up to Bruno and he said no words.
He just stared at me, with fear in his eyes. He looked at me the way my soldiers looked at me. He
said nothing but his voice continued to occupy my thoughts.
Swallowing the giant lump in my throat, I invited him into the house. When we did arrive Bruno
went inside of the house and grabbed a blanket he placed it on the ground in the garden and he sat
down, he patted the spot next to his inviting me to sit down.
We lied down there for hours until it grew dark, Bruno refused to speak the whole time we were
there he would point out clouds and constellations but no words. We spent an hour in silence just
staring at the moon. Bruno pointed at a shooting star. Did you make a wish? I asked. He nodded his
head.
What did you wish for?
He shook his head and gave a cheeky smile.
It might be time for us to go
 Summery
Article Summaries Part 2
Carrie Wilson

Client Perceptions of Therapy Component Helpfulness in Group Cognitive Behavioral Therapy for
Anxiety Disorders.
The objective of this study was to evaluate the helpfulness of group cognitive behavioral therapy in
patients with anxiety disorders. The treatment required participants to be highly motivated and
willing to endure unpleasant emotional states. The treatment encouraged participants to challenge
long standing maladaptive beliefs. The researchers used archival data of 48 participants who
completed clinical trials at University training clinic. They recruited participants by advertising in
local newspapers and by obtaining referrals from mental health professionals. Participants were ...
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The objective of this study was to compare the effectiveness of virtual reality exposure therapy to the
cognitive behavioral approach to treating anxiety disorders. PsycINFO, PubMed, ISI Web of
Science and Academic Search Premier were used to gather date. Dependent variables included
primary outcomes, and real life impact outcomes. They calculated Cohen s d effect size using the
means and SDs that were available. They found out that in the case of anxiety disorders, VRET did
far better than the waitlist control. VRET also had a similar impact as the classical evidence based
treatment. Reducing anxiety sensitivity with exercise.
This study was conducted to extend the findings in using exercise to reduce anxiety sensitivity as
well as depressed mood in persons with anxiety disorders. The study participants were made up of
psychology students at the Methodist University in Dallas as well as a community sample in
Boston. A 16 item questionnaire was given to participants and questions were scaled on a 5 point
Likert type scale. The Beck Anxiety Inventory was used to measure the severity of anxiety
symptoms and the Beck Depression Inventory was used to measure the symptoms of depression.
Exercise was completed on a treadmill that was programed with a specific training program. They
found that 20 min of exercise at 70% of heart rate yielded a large reduction in anxiety sensitivity as
well as depression symptoms.

Serotonin noradrenaline reuptake

Yale Law School Legal Scholarship Repository

1 1 2004

Efficient Capital Markets, Corporate Disclosure and Enron

Follow this and additional works at: http://digitalcommons.law.yale.edu/fss_papers Part of the Law
Commons Recommended Citation
Macey, Jonathan R., Efficient Capital Markets, Corporate Disclosure and Enron (2004). Faculty
Scholarship Series. Paper 1419. http://digitalcommons.law.yale.edu/fss_papers/1419

This Article is brought to you for free and open access by the Yale Law School Faculty Scholarship
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The downfall of Enron also illustrates both the importance of corporate governance to corporate
performance, and the inherent susceptibility to corruption present in any system of corporate
governance. Further, from an international perspective, one is tempted to ask whether the Enron
debacle could happen in Europe or Japan or whether it demonstrates a vulnerability unique to the
U.S. system of corporate governance. I have three observations to make on this issue. First and
foremost, the Enron fiasco demonstrates the acute pressure felt by U.S. corporate management to
produce superior performance results. As discussed later in this Article, Enron s financial
maneuvering, which led to the company s massive 2001 restatement of earnings, was prompted
only in 1997 when Enron came under significant pressure from investors. Essentially, Enron s
corporate performance was consistent for a considerable period of time prior to 1997. 4 However,
between 1996 and 1997, the firm s profits and return on equity each declined by ninety percent. 5
The sudden deterioration in performance pressured management to engage in transactions that
increased revenue and moved debt off of the firm s
3 This monitoring tradeoff is developed in more detail in my Article coauthored with Arnoud Boot,
also presented in this Symposium. See Arnoud
 Advantages And Disadvantages Of Sukuk Rating
5.0RATING
5.1 RATING DEFINITIONS
Similar to the conventional securities, Sukuk can be rated on a sovereign and corporate basis. The
rating analyst or the rating agency will mainly focus on the credit rating of the instrument and any
expected default or losses, the agency will give high priority to the legal, the structure and the
underlying assets of the Sukuk.
According to Malaysia Sukuk Market Handbook it said that credit rating especially focus in credit
risk, analyse situation where one financial obligation or commitment may become lost based on a
change in capacity and obligation underwriter readiness meet the financial commitment on time and
in line with transaction terminology. As risk payment measurement refuse, sukuk consider place
various sukuk type in market in their relative default risk matter.
Based on conditions Shariah commands sales contract, issuers of sukuk Bai Bithaman Ajil and
Murabahah sukuk obliged to make timely and full payment in price buy like marked by face value.
Same too, based on Shariahprovisions in exchange contract, issuers of sukuk Ijarahis task tied will
make full ... Show more content on Helpwriting.net ...
This is because all debt securities including Sukuk produces in Malaysia required to be completed
by one credit rating at all times. Usually, a free third party, for example credit rating (CRA) agency
responsible to make a credit rating in Malaysia. Credit rating agency makes an assessment in
corporate manufacturer capacity refuse in the debt repayment based on the credit repayment history
for all local banks in country. It only regard debt repayment tool from credit worthiness overall or
corporate manufacturer financial position. Rating will contemplate various increase tool including
guarantee, sinking fund, letter of credit or any their other mechanism reduce specific default risk of
issues. In this way, company firm may be given rating categories that are different for different debts
in time that is
 Analysis Of Hughes s Poem Light Of This
However, the ambiguity of Hughes s poetry may be derived not so much from a desire to obscure
truthful representation, but from the inherently traumatic impact of this act of writing. In light of
this, Hughes s fragmentary syntax and the episodic construction of the Birthday Letters sequence,
may well be understood as a literal manifestation of his attempt to pull together a scattered,
dispersed, or lost series of recollections (Freeman, 30); the trauma of which constantly resists any
easy assimilation into language. Usually within the discourse of psychoanalysis, it is simply the
process of describing a traumatic experience, representing it within language, which forces it to be
externalized, contained and thus assuaged. While Hughes certainly seeks to attain this same
catharsis, through a kind of scriptotherapy (Henke, xxii) his poetic style simultaneously invokes the
raw and uncooled processes of its own production. As John Carey writes in a review for the Sunday
Times, The language is like lava, its molten turmoils hardening into jagged shapes, still hot from the
earth s core. ( Fatal Attraction ). In order to understand Hughes s magmatic poetrymore effectively, it
is useful to consider Julia Kristeva s conception of the signifying process (84) as proposed in
Revolution in Poetic Language (1979). Kristeva conceives of communicative acts as composed of a
balance between symbolic and semiotic aspects (95, The Kristeva Reader). The symbolic may be
 Advantages And Disadvantages Of Downlink Multiplexing
Downlink Multiplexing The multiplexing chain in the downlink is largely comparable to that in the
uplink however there are also certain functions that are done in a different way. As like in the uplink,
the interleaving is executed in two components, covering both intra frame and inter frame
interleaving. In addition, the rate matching permits one to stabilise the necessary channel symbol
energy for various service qualities. The services can be mapped to more than one code additionally,
which is essential when the single code capability in either the terminal or base station is surpassed.
Downlink Shared Channel Transmitting data with elevated peak rate and small activity cycle in the
downlink rapidly causes the channelisation codes under a solitary scrambling code to start to come
to an end. In order to circumvent this complication, fundamentally two alternatives exist: exercise of
either supplementary scrambling codes. The supplementary scrambling code approach loses the
benefit of the transmissions being orthogonal from a single source, and consequently should be
avoided. Using a shared channel resource maintains this benefit and in the mean time lessens the
downlink code resource... Show more content on Helpwriting.net ...
Figure 1.8 code trees with the four layers are taken into account. The highest capacity of the code
tree is 8R. In the code tree, two codes with SF is 4 and 8 are engaged. As a result, the capacity
employed for the OVSF code tree is 3R. The remaining capacity of the code tree is 8R 3R=5R.
When a new call with data rate 4R enters, code from the third layer is essential. The code tree is
not capable of offering code for the new call, since both the codes equivalent to 4R capacity are
obstructed. Accordingly, this is a condition where a new call capacity to manage it. This is known as
code (call) blocking and can be circumvented with the help of efficient assignment and reassignment