Project Funding Fees and Costs

Project Funding Payments.

In the project funding world many entrepreneurs refuse to pay "upfront fees" towards their project. When you apply for debt financing, the funder may have to implement a financial structure to enable you to kick-start a project and as well to determine your ability to pay back the loan. Whilst it's true that you may not have to pay an upfront fees, there are often associated costs involved.

Fees V's Cost:

A fee is when you are asked to pay for the services of providers whether it be for the arrangement of the fund package through the intermediate or a fee levied by the funder themselves. This fee is normally levied at the end of the funding procedure.

A cost is something that can not be avoided. The money goes towards actual events such as purchasing a bank instrument on your behalf, blocking funds within a hedge fund, securing private equity money. All these incur costs.

What Is Included In The Cost?

Costs can include an array of things such as securing collateral. Let's say you have a project which has NO collateral and is not yet generating any revenue. Generally funders / lenders protect the money loaned out by securing it against some kind of collateral. As a project which is at its beginning stages, they will not have any collateral. It is quite common that funders will have to go and obtain external collateral by purchasing instruments to secure against the project.

Often this involves another corporate entity to pledge their assets against the instrument for 1 year and 1 day. You now have two parties at risk, the corporation pledging their assets against the instrument and the lender purchasing the instrument to lend against it - this incurs costs. Other costs can include 1) due diligence 2) to pay for flights for face to face meetings, 3) blocking money within a hedge fund, 4) securing funds from private equity investors, all of this incurs very real costs. Not to say that all companies have these costs.

Payments and Commission

Getting project funding can be quite ruthless. Please read your agreements and terms thoroughly when applying with brokers or lenders as it's been known that some companies are charging ridiculous sign up fees, retainers, Skype call fees and an exit fee. All this can be legitimate however there are those funders out there who are just out to collect on the fees and very rarely bring any funding results. I've heard that some companies are charging 20K for just the sign up fee and exit fees can be making it difficult for companies to go elsewhere if they have not received funding within 12 months.

Air Conditioning Repair - First Steps to Do it By Yourself

Why Is My Air Conditioner Not Working?

I believe that will be the first question appear in your mind, when you feel like there is something wrong with your AC. Air conditioning repair is not something really easy to handle. You will need the assistance of an expert to help you fix it, or the other option is that you want to learn how the methods and steps to air conditioning repair is?

Here are things to be done at the beginning of when you want to escape the hot and sticky weather especially at summer.

There are so many possibly things that can be the reasons why your AC do not to work or function properly. It could be that your thermostat is not working correctly, or the motor or compressor have failed. A dirty evaporator could also cause problems, or you might be low on refrigerant.

For this case, air conditioning repair method like a simple cleaning may get your unit back up and running, but you may need to replace a part, or it might make sense not to repair and consider replacement of the air conditioner.

There are so many things become the reason why your evaporator coil get frozen. It is when the air conditioner operates continuously all day and night with not high refrigerant level, and unbalanced circulation. This makes the air exiting supply registers feel warm. So turn off the air conditioner for a moment or gradually and try to figure out what could stop or reduce the rate a frozen coil.

If purchasing a new unit is the best solution, it is really recommended to have an expert to help you understand and choose what the most appropriate system and size that will fit your lifestyle the best at your home. Based on the variety of needs and the layout of your home, the options that may rise, as follows:

First and foremost, central air, often the best choice for cooling your whole home. If you only need a room or two chilled, then room units, which may be your best bet. If your home is already equipped with proper ductwork, a split system, which separates the outdoor compressor and condenser, may be the most appropriate choice.

While the last but not least, is evaporative coolers, using evaporated water to cool down air and suit the best for arid weathers.

What Makes Air Conditioning Repair Urgent

When you realize that there is no power within your AC, you may double check the wiring, and the breaker, or another cause is that your air conditioning is beyond normal heat. For air conditioning repair, try to better the wiring, set anew the circuit, and be sure to also clean the airflow to the outdoor unit.

To reduce the number of problems that may arise, it is a good recommendation as air conditioning repair to regularly check the maintenance of your air conditioner. This is to ensure your air conditioner is working at top efficiency and can extend its lifespan.

It is also a good step to take when you face a problems with your AC repair, you do not rely purely on technician, instead you put your effort to search the tips and ask anyone expert in this field to handle this kind of matter by yourself . So, whenever you have a problem, independently you will not be easily panic and doubt.

Set up at least an annual maintenance check with a technician or monthly check by yourself to clean the unit, check on the refrigerant and make sure the system is in safe working order. AC repair will be necessary for unnoticeable causes that become the problem source of AC which in detail are as follows:

It is easy to recognize that your fan belt has worn out. Try to listen to the sound of your air conditioning. If there is something like squeal, then for AC repair, it is time for you to replace it. If the sounds getting louder before you change it, it may be a must for you to prepare some big money, since it means that the damage has been different.

For air conditioning repair of problem like leak refrigerant, you can not stay idle or do nothing, since the side effect will reduce the efficiency of your air conditioning and will harm the environment nearby. Not only it is necessary for you to charge the system again, you should also alter its tubing to prevent getting bigger leak damage.

Tools for Air Conditioning Repair

Having tools of air conditioning repair is suggested so that any time your air conditioning does not work well, you need not to be confused to borrow from your neighbor or your friends, whether in the middle of the night, or winter which may lock you up at house.

It will become so handy for you, since you already invested money just to face such conditions you want to avoid the most. Here are the tools you need for air conditioning repair. Needle-nose pliers, nut driver, socket / ratchet set, voltage tester, a multi-meter, adjustable wrench, drill / driver - cordless, and insulated screwdriver.

Materials for Air Conditioning Repair

Here's a list of materials you might need for air conditioning repair which will be different depending on the type of your air conditioning problems; condenser fan motor, contactor, fuses, capacitor and compressed air.

Top 5 Birthday Party Games For Kids

Tips to remember Birthday party games:

- When selecting a game, be sure to consult your kid. If they find it fun and approve it then take things to the nest level. If your kid will not like the game, it is certain that he will not enjoy it much.

- Do not forget to be calm and flexible. If you feel that during the party some game is not going on all that well. Then the best thing to do is quit that game and move on to the nest one.

- Being prepared before hand and doing your homework is utterly important. Before the party starts be sure to understand how the game is actually played.

- And lastly, remember that all parties are fun and giving out gifts or party favors is a good idea. Particularly if your guests are below 5 years.

Puzzle Games:

Get a large piece of Styrofoam board for every four guests. Paint each board a different color, solid red or blue, for example. Now, use a bread knife to cut the boards into strange shaped pieces. For 4-5 year olds, three pieces is enough. 6-8 year olds can handle four or five, and from there on up, six or seven pieces should work.

Now, scatter the pieces from all the boards around the backyard. Designate each team an area to assemble their puzzle. Three members will work on assembly while one person can run out and get the other pieces. The first team to find and assemble their own puzzle wins.

Number Game:

Set up a circle of numbers on the ground and have everyone stand on a number. Begin playing festive music and have everyone walk from number to number. Draw a number from a hat and then stop the music. Whoever is standing on that number when the music stops is the winner! I have played this game at many school carnivals where the prize is a cake. But, you can give away something different.

The Birthday Statue Game:

In this game while the music plays all the player's move around. As soon as the music stops all the players need to stop and become a statue. Whoever moves is out of the game. Keep playing the music as long as you want and then give all the participants a nice gift.

Bean Bag Toss Game:

This is yet another fun game. All you need to do is make an easy bean bag using double layer of poster board glued together and a large box. Then use a large box as a base, and attach the poster board to one side of it. Before attaching the poster board, paint a design on it, make one or more hole. The kids will have lots of fun throwing those bean bags. If you want you can even give bean bags as party favors.

How Far Can You Fly Your Airplane Game:

Make a paper airplane for each child. Be sure and weigh down the nose (use a paper clip.) So that the plane will fly straight. Put each child's name on a plane. Have the children line up across a wall. Tell them to throw their planes when you count to three. The child that tosses their plane the farthest wins the game.

Happy Birthday Party Games Planning!

Benefits of Regular Aircon Service

Air conditioner has become a necessity for every home owner and it plays an integral part in the lives of the people. Your air conditioner is responsible for cooling the temperature in your home especially during the summer that is why it is highly essential to provide a regular service for your air-con unit.

The best way in keeping your aircon unit to run at its peak performance is to have a regular air-con service. Some people have not really realized the significance of having a regular air-con maintenance until they have found out that there is nothing they can do to make their air conditioner to function properly.

Regular air-con servicing has numerous benefits to every air conditioner owners. With regular servicing, one can essentially avoid risking the maximum performance of their unit. Remember that your air conditioner is an essential element in keeping your rooms more comfortable and convenient to stay in that that is why having a regular service is essential. One take this maintenance for granted to save money, but later did he know that it will cost him too much.

A maintenance check up allows you to save money because it can improve the efficiency level of your air-conditioner unit. You can not regularly check on your unit, and you can not always clean your system. An aircon servicing enabling you to save energy bills because you can be assured that your unit will be cleaned. Cleaning the condenser coils of your unit reduces its energy consumptions. Reducing the risk of high repair cost is likewise another benefit bought by serving. This allows you to save money from any major repairs, and it enables to repair the small problem that occurs inside your unit.

It is essential to remember that every air-conditioner unit is losing its efficiency every year because of regular use. A regular air con service makes it possible for your aircon unit to function at its maximum level year after year. Regular servicing essentially increases the performance and the life of your unit. It will significantly serve you for a longer time than having no regular service. The regular unit checks ensure the performance of your air-con unit.

You have to remember the comfort that your air-con unit provides in your home, office, as well as in your school. A regular aircon serving enables your air conditioner to serve you well for a longer period of time. Regular servicing allows you to recover the efficiency level and performance of your air con unit.

It is true that installation of air conditioner in your home is an investment that is why it is of great importance to take care of your investment.

A regular service gives value to your money and your investment because it essentially prolongs that lifespan of your unit. The comfort that the air-con is providing your homes and offices will be increased, and the efficiency that was lost will always be recovered. Knowing these benefits of having a regular air-con service enables you to enjoy the comfort that it provides your home and family.

Internet Banking - Then and Now

For some years now, the internet has been simplifying the way we approach everyday tasks - whether it's shopping for gifts or even groceries, checking cinema times, or finding driving directions. But what never ceases to amaze the world is the rate at which the abilities of the internet advance.

When the internet first started gaining popularity in the early 90s, most people never even dreamed that they'd one day be able to find their next car, their next house, or even their next date online. But today, it seems that anything is possible within the fast-paced world of the internet.

However, while the World Wide Web drew the public eye almost instantaneously, certain aspects of the internet - while well established now - took some time to gain credibility. And even today, many of these realms continue to raise questions and concerns from users of the web. Often, these are areas of the web that deal with sensitive or confidential material, and those which require heightened security - such as banking.

For many people, the fact that they could pay bills, transfer money, check their account activity and simply manage their money online seemed too good to be true. Indeed, could they really achieve all those things, without having to worry about someone hacking into their account or stealing their identity? The answer today is yes. Glitches have appeared along the way, and improvements are always being made - but the fact of the matter is that the security of services such as internet banking has climbed to an unprecedented level.

Aside from helping people organize their finances, internet banking has offered users a great deal of flexibility. It's now possible to use such services from anywhere in the world - whether it's at home, at work, at a coffee shop or while traveling. What's more, internet banking services are usually available 24 hours a day, 7 days a week - so even if the bank is closed, users can access their account information, make payments, transfer money, or manage standing orders.

Indeed, the internet is responsible for much of today's conveniences - a fact that is perhaps most similar with services like internet banking . Within today's fast paced society, being able to manage ones finances with a few clicks of a button - and being able to do it all securely and with peace of mind - may prove to be a useful option to have.

Bob Ross Oil Painting Technique - Frequently Asked Questions

The following is a list of frequently asked questions about the BOB ROSS Oil Painting Technique and some instruction about the use and care of the materials.

BLENDING:

This technique refers to the softening of hard edges and most visible brush strokes by blending the wet oil paint on the canvas with a clean, dry brush. In blending, an already painted area is brushed very lightly with criss-cross strokes or by gently tapping with the corner of the brush. This gives colors a soft and natural appearance. Not all oil paints are suitable for this technique - most are too soft and tend to smear. Only a thick, firm paint is suitable for this technique.

MARBLING:

To mix paints to a marbled effect, place the different colored paints on the mixing area of your palette and use your palette knife to pick up and fold the paints together, then pull flat. Streaks of each color should be visible in the mixture. Do not over mix.

THINNING PAINTS FOR ADDING HIGHLIGHTS:

When mixing paints for application over thicker paints already on the canvas, especially when adding highlight colors, thin the paint with LIQUID WHITE, LIQUID CLEAR or ODORLESS THINNER. The rule to remember here is that a thin paint will stick to a thicker paint.

CLEANING AND DRYING THE BRUSHES:

Painting with the wet on wet technique requires frequent and thorough cleaning of your brushes with paint thinner. An empty one pound coffee can is ideal to hold the thinner, or use any container approximately 5" in diameter and at-least 6" deep. Place a Bob Ross Screen in the bottom of the can and fill with odorless thinner approximately 1" above the screen. Scrub the brushes bristles against the screen to remove paint sediments which will settle on the bottom of the can.

Dry your larger brushes by carefully squeezing them against the inside of the coffee can, then slapping the bristles against a brush beater rack mounted inside of a tall kitchen trash basket to remove the remainder of the thinner. Smaller brushes can be cleaned by wiping them with paper towel or a rag (I highly recommend using Viva paper towels because they are very absorbent). Do not return the brushes to their plastic bags after use, this will cause the bristles to become limp. Never clean your Bob Ross brushes with soap and water or detergent as this will destroy the natural strength of the bristles. Store your brushes with bristles up or lying flat.

APPLYING LIQUID WHITE:

Use the 2" brush with long, firm vertical and horizontal strokes across the canvas. The coat of Liquid WHITE should be very, very thin and even. Apply just before you begin to paint. Do not allow the paint to dry before you begin.

PLACEMENT OF OIL COLORS ON THE PALETTE:

I suggest using a palette at least 16"x20" in size. Try arranging the colors around the outer edge of your palette from light to dark. Leave the center of the palette for mixing your paints.

LOADING YOUR BRUSH:

To fully load the inside bristles of your brush first hold it perpendicular to the palette and work the bristles into the pile of paint. Then holding the brush at a 45 degree angle, drag the brush across your palette and away from the pile of paint. Flipping your brush from side to side will insure both sides will be loaded evenly.

(NOTE: When the bristles come to a chiseled or sharp flat edge, the brush is loaded correctly.)

For some strokes you may want the end of your brush to be rounded. To do this, stand the brush vertically on the palette. Firmly pull toward you working the brush in one direction. Lift off the palette with each stroke. This will tend to round off the end of the brush, paint with the rounded end up.

MIXING FOR HIGHLIGHTS:

Place the tip of your brush into the can of LIQUID WHITE, LIQUID CLEAR or ODORLESS THINNER allow only a small amount of medium to remain on the bristles. Load your brush by gently dragging it through the highlight colors, repeat as needed. Gently tap the bristles against the palette just enough to open up the bristles and loosen the paint.

LOADING THE PALETTE KNIFE:

With your palette knife, pull the mixture of paint in a thin layer down across the palette. Holding your knife in a straight upward position, pull the long working edge of your knife diagonally across the paint. This will create a roll of paint on your knife.

WHAT IF I HAVE NEVER PAINTED BEFORE?

There are no great mysteries to painting. You need only the desire, a few basic techniques and a little practice. lf you are new to this technique, I strongly suggest that you read the entire section on "TIPS AND TECHNIQUES" prior to starting your first painting. Consider each painting you create as a learning experience. Add your own special touch and ideas to each painting you do and your confidence as well as your ability will increase at an unbelievable rate.

WHAT PAINT SHOULD I USE?

The BOB ROSS technique of painting is dependent upon a special firm oil paint for the base colors. Colors that are used primarily for highlights (Yellows) are manufactured to a thinner consistency for easier mixing and application. The use of proper equipment helps assure the best possible results.

Liquid Clear is a particularly exciting ingredient for wet-on-wet painting. Like Liquid White/Black, it creates the necessary smooth and slippery surface. Additionally, Liquid Clear has the advantage of not diluting the intensity of other colors especially the darks which are so important in painting seascapes. Remember to apply Liquid Clear very sparingly! The tendency is to apply larger amounts than necessary because it is so difficult to see.

13 colors we use are listed below:

*Alizarin Crimson





*Sap Green, Bright Red





*Dark Sienna





*Pthalo Green





Cadmium Yellow





Titanium White,





*Pthalo Blue,





*Indian Yellow





*Van Dyke





Brown





*Midnight Black





Yellow Ochre





*Prussian Blue (*indicates colors that are transparent or semi-transparent and which may be used as under paints where transparency is required.)

HOW DO I MIX COLORS?

The mixing of colors can be one of the most rewarding and fun parts of painting, but may also be one of the most feared procedures. Devote some time to mixing various color combinations and become familiar with the basic color mixtures. Study the colors in nature and practice duplicating the colors you see around you each day. Within a very short time you will be so comfortable mixing colors that you will look forward to each painting as a new challenge.

SHOULD YOU USE JUST ANY ART PRODUCT FOR THIS METHOD OF PAINTING?

Possibly the #1 problem experienced by individuals when first attempting this technique and the major cause for disappointment revolves around the use of products designed for other styles of painting or materials not designed for artwork at all (i.e. house painting brushes, thin soupy paints, etc.).

All of the paintings for this technique were created using Bob Ross paints, brushes and palette knives. To achieve the best results from your efforts, I strongly recommend that you use only products designed specifically for use with the Bob Ross wet-on-wet technique.

HOW LONG WILL IT TAKE MY PAINTING TO DRY?

Drying time will vary depending on numerous factors such as heat, humidity, thickness of paint, painting surface, brand of paint used, mediums used with the paint, etc. Another factor is the individual colors used. Different colors have different drying times (i.e., normally Blue will dry very fast while colors like Red, White and Yellow are very slow drying). A good average time for an oil painting to dry, when painted in this technique, is approximately one week.

SHOULD I VARNISH MY PAINTINGS?

Varnishing a painting will protect it from the elements. It will also help to keep the colors more vibrant. lf you decide to varnish your painting, I suggested that you wait at least six months. It takes this long for an oil painting to be completely cured. Use a good quality, non-yellowing picture varnish spray. I personally spray my paintings after about 4 weeks and have not had any problems.

Benefits of Forex Robot Trading Systems

Forex trading can be difficult if you are a layman. It involves fundamental and technical analysis to come up to the right conclusion. Proper understanding of news trading is also required. Most of the times, we are not good enough to understand the technical aspect of trading in forex.

We get confused about currency reversals. We think hard about the quick fluctuations, high volatility. We fail to understand why we are being stopped out so often. Margin trading, leverages, pip placement; all of this becomes too puzzling. Yet, forex is a big pool of money and its revenue potential can not be neglected. So what do we do?

Today, it is possible to trade through automated trading programs or Forex Robots. These are software that can be installed in your computer or laptop. Just as you pay for them, you start getting a screenshot and trading references. The automated trading programs run through various technical tools and find out the best points of currency reversal.

The forex robots also aim to search for right moments when support breaks or currency market offers a correction. This way they can tell us when to place money and at what leverage or stop losses. This is their very first benefit. They also place the pips for you so even if you are a busy person who is out of desk for long intervals, you need not worry.

A forex robot will use its own discretion and place pips for you. This benefit of forex robot trading system allows it to act on your behalf and not only find the correct time for pips but also place it. Better forex robot trading systems register pips with very small drawdown. This means that they only touch a very small margin of your capital even when there is a loss. More generally, the strike rate of pips is very large.

Another benefit of a forex robot trading system is that it can play in very short frames. It will find a buying point, place a pip and move on to another trade in some different currency exchange. So you can look to play Wall Street and Nikkei within a span of 20 minutes. This way, the forex robots allow you to make the most of that liquidity that one country may offer at a time and another may offer at another time.

These are not all. Forex robot trading system has many more benefits. Through the set-up you can look to base your leverage in a way that you do not lose much even when times are not the best. They play for a leaseage of up to 500: 1. This means that you can place a bet of $ 1, 00,000 with as less as $ 200 in your hand. In the circumstance, the maximum you can lose is $ 200.

A forex robot also understands the precise entry and exit point of a trade.

A forex robot can be your one-man forex army. You just need to buy the best one. The software should not have large up time and the internet compatibility should be high. Also look for a forex robot that comes back with an unconditional money back guarantee.