Welcome and thank you for choosing World View Guides as your resource for relocation and visitors information for your county! We strive to bring you the most current and relevant details available to help you decide how to spend your time while visiting or relocating and raising a family within your Counties’ beautiful and history filled boundaries. Whether its the rich area history, amazing local attractions, or natures raw beauty on display, we hope you enjoy your sneak peek into your county! County Info A Breif Overview of your great city
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Fitness 5 Steps of fitness
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Pics of your county Pics of your great county
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Recycleing is the key Ways to reuse and recycle
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Business Help getting a small business loan.
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Clinton County is a county located in the U.S. state of Iowa. As of the 2010 census, the population was 49,116. Its county seat is Clinton. Its name is in honor of the seventh Governor of New York State, DeWitt Clinton. Clinton County comprises the Clinton, IA Micropolitan Statistical Area, which is also included in the Davenport-Moline, IA-IL Combined Statistical Area. History Clinton County was formed on December 21, 1837. It was named for DeWitt Clinton, a Governor of New York and most ardent advocate for the construction of the Erie Canal. The cities of DeWitt and Clinton were also named after him. In 1835, Elijah Buell built a log cabin for himself and his family and was thus the first settler of the region. In 1854, the first newspaper was issued and in 1858, the Lyons Female College for girls opened its doors. The tuition was set at $175 per student. The county has used three courthouses in its history. The structure currently in use was constructed in Romanesque style and opened in 1897. Early Settlement Clinton county was first settled in 1836, by Mr. Bourne, who located upon Sec. 1, T. 80, R. 4, East. The county was surveyed in 1837, by the Messrs. Burtz. The Surveyor General’s office was then at Cincinnati, Ohio. In 1840, the county was organized by Sheriff Bourne. In 1841, R. R.
Bed ford and others formed a little settlement at De Witt, and during the same year Messrs. Wheeler and Evans erected a log court-house. In stepping from the past to the present, we quote the language of one of the “oldest inhabitants.” He says: “Clinton County was originally settled by the poorest class of people on God’s earth; and it is with great pleasure that I have witnessed their progress, slow but sure, and now find the most of them very comfortably situated.” The population of this County in 1840, was 821; in 1850, 2822; in 1854, 7000; and in 1856, 11,000. The population of Lyons in 1850, was 453. In 1856 the population increased to 2700. Geography According to the U.S. Census Bureau, the county has a total area of 710 square miles (1,800 km2), of which 695 square miles (1,800 km2) is land and 15 square miles (39 km2) (2.1%) is water. It includes the easternmost point in the state of Iowa, on the Mississippi River in Elk River township in the northeast section of the county. Adjacent counties Jackson County (north) Carroll County, Illinois (northeast) Whiteside County, Illinois (east) Rock Island County, Illinois (southeast) Scott County (south) Cedar County (southwest) Jones County (northwest) National protected area
Upper Mississippi River National Wildlife and Fish Refuge (part) Clinton is a city in and the county seat of Clinton County, Iowa, United States. The population was 26,885 as of 2010. Clinton, along with DeWitt, Iowa (also located in Clinton County), was named in honor of the sixth governor of New York, DeWitt Clinton. Clinton is the principal city of the Clinton Micropolitan Statistical Area, which is coterminous with Clinton County. Clinton was incorporated on January 26, 1857. Among the first settlers of European origin in the Clinton area was Elijah Buell, who built a log cabin on July 25, 1835
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and Mary Perrin, e s - born September 26, 1837, was the first female child of European ancestry born in Clinton County. In 1839, as in most early river towns, the town consisted of a sprinkling of cabins, two stores and a tavern. In 1855, the Chicago, Iowa, Nebraska Railroad announced it would cross the river at Little Rock Island adjacent to Bartlett’s settlement. The Iowa Land Company was organized on May 26, 1855 and on July 4, bought Bartlett’s tablished the tract and renamed it Clinton, in town of Lyons, named after the honor of DeWitt Clinton, twoFrench city of the same name. time governor of New York and Lyons later merged with Clinton. one of the driving forces behind Clinton was platted as the town the construction of the Erie Caof New York in 1836 by Joseph nal. Bartlett. In March 1837, Noble On November 10, 1855, the first and Sarah Gregory Perrin pur- plat of the city of Clinton was chased 136 acres (0.55 km2) of signed. On January 26, 1857 the land in what is now Clinton and city was granted a charter and on raised their family in a cabin lo- March 7, the charter was adopted. cated approximately at the foot On April 5, 1859, the amended of the railroad bridge. Their old- charter of the city was adopted, est daughter, Valeria, married Dr. which lasted until a general charAugustus Lafayette Ankeny, who ter was adopted in 1867. In June participated in the Blackhawk 1859 the railroad line was comwar and came to Lyons in April pleted to Cedar Rapids. The first 1850. train crossed from the Illinois World Views Guides
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shore to Little Rock Island at noon, January 9, 1860, and was ferried from there to the Iowa shore. In January 1864, construction was started on the span from Little Rock Island to the Iowa shore and was completed on January 6, 1865. The original single track railroad bridge was replaced by a double track bridge that was completed in 1909. The first public school in Clinton was conducted in a log house near the W.J. Young upper mill. It was erected in the winter of 185556 and Isaac Baldwin was its first teacher. St. Irenaeus School was opened in 1852. The original Lyons-Fulton Bridge was constructed in 1891 (replaced by the Mark N. Morris Memorial Bridge in 1975), followed by the Clinton High Bridge in 1892 (replaced by the Gateway Bridge in 1956). Between the 1850s and 1900, the cities of Lyons and Clinton quickly became centers of the lumber industry and were regarded as the “Lumber Capital of the World.” Huge log rafts were
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floated down the river from Wisconsin and Minnesota, cut into lumber at Clinton, then shipped to the growing communities via the river and the railroads. Companies owned by the W.J. Young, Chancy Lamb, George M. and Charles F. Curtis (Curtis Bros. & Co), David Joyce, Silas W. Gardiner Lyons, and Friedrich Weyerhäuser families soon became among the largest in the nation. In the 1880s and 1890s Clinton boasted 13 resident millionaires, more millionaires per capita than any other town or city in the nation. In 1877 the noted pianist Carl Lachmund founded the German Conservatorium of Music in Clinton. The largest, most elaborate party ever held in Clinton celebrated the debut of Emma Lamb and the twentieth wedding anniversary of her parents, Artemus and Henrietta Sabrina Smith Lamb on October 13, 1885. Fellow lumber baron F.C. Weyerhauser, his wife and daughter attended together with several hundred guests all attired in formal wear.
The era of opulence came to an end by 1900, as the northern forests were depleted. The sawmills closed, but the railroad and river, providing economical transportation in all directions, attracted manufacturing and heavy industry. The city still boasts a number of magnificent Victorian mansions, including the Curtis Mansion, now the home of the Clinton Women’s Club. The American Protective Association (APA) was founded in Clinton on March 13, 1887 by Attorney Henry Francis Bowers. In 1941, with Howard Judd as coach, Clinton High School won the first of its 11 state championships in swimming. This string included five straight championships between 1954 and 1958 and produced 39 individual All Americans and 14 Individual All American Relay Teams (The Howard Judd Story Reception Program June 5, 1966). Clinton’s athletic successes were added to in 1953 when St. Mary’s won the state basketball championship. Other great athletic triumphs were achieved by the 1964 Clinton High School boys’ baseball team winning the State Championship, the 1991 Clinton Giants winning the Midwest League baseball championship and by the 1992 Clinton High School boys’ basketball team (referred to as the ‘92 Crew) winning the
State Championship. On April 27, 1951, the Mississippi crested at 20.7 feet (6.3 m); then on April 26, 1952, it crested again at 20.9 feet (6.4 m). All of that was an exercise compared with the crest on April 28, 1965, which at 24.85 feet (7.57 m) was the highest ever recorded. Construction of the Gateway Bridge (Illinois-Iowa) was started in August, 1954, was finished in May 1956. It opened on July 1, 1956. In 2005, Clinton, along with Coon Rapids, Iowa and Sioux City, was awarded one of the inaugural Iowa Great Places designations. This award brought to Clinton a $1 million state budget allocation for cultural and landscape improvements along the city’s riverfront. In 2008, the Archer Daniels Midland corn processing plant added a cogeneration plant to provide for its electrical needs, which burns coal and leftover corn for the energy. In January 2011, Clinton opened the world’s first-ever site of noted rapper Flavor Flav’s fast food chain, Flav’s Fried Chicken. This was due to the fact that Flav’s business partner, Nick Cimino, is a Clinton native and felt that the restaurant’s opening would be good for the community. The restaurant was closed down after a mere four months due to low staff retention and bad checks, among other concerns. Rapper Flav has gone on record stating “that restaurant manager Nick Cimino wasn’t running the business right.”. World Views Guides | 2014
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Five Secret Habits of Successful Weight Loss! by: Joseph S F Ng
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ello! May I start this article by sharing with you my most inner secrets. I want to reveal to you that no matter how difficult your weight problem may seem, you can change your life for the better. If I can do it, so can you. As many know I wasn’t always so strong or sure of myself, and much of that insecurity has to do with my weight. I have had a weight problem practically all my life and I always will. But now things are different, and they can do for you, too.
port and immediately start following the tactics and strategies recommended. Everyone s body is different from another.
study of successful dieters to date researchers have found that sticking with a low-fat’ low-calorie diet and exercising regularly helped the particiWe have DNA s that are very pants shed and keep off at least different even from our blood 30 pounds. Sounds impossible? brothers and sister. Why then But trust me it s true. You can bet your eyeball on this fact.
Enough of this lengthy intro, at least for now! OK? Then let s dive in with the first success habit of thin or slim people. Success Habits No.1. Fol- should you follow exactly low A Rugged frame- what people tell you. Even adwork for diet and exercise. vices herein. The best bet is to use your own body to study Let me set the record straight! the actions and reactions of Diet and exercise guidelines the guidelines given and apcan provide you with a frame- plied there. Fair enough? work for making these healthy changes, but ultimately it’s up Success Habits No. 2. Adto you to devise your own rules here to a low-fat’ low-calorie and come up with your own diet and exercising regularly strategies for healthy living and dieting. It is not expected of Let me clue you in on an undisyou to grab any article or a re- puted statement. In the largest World Views Guides
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By the way, are you are you getting into this, or it is rubbing you the wrong way? Just be patient and carry on reading. It s worth your few minutes of your precious time. Then shall we proceed to secrets number three. OK? Success Habits No.3. Discover and Adapt to Better Dieting Therapies OK, I know you re probably shaking your head after reading success habits number three .But rests assured what you about to read is no rocket science materials. It is just plain and simple fact. Here goes!
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ready to see what s next then ing to better dieting therapies Rest assured that successful di- go ahead and continue read- Fourthly, have a strong belief eters aren’t afraid to do things ing but brace yourself first! in Quitters Never Wins, and far different from the norm. Winners never Quit motto. Just to find tactics that really Success Habits No. 5. And finally take the concerted works for them. And to use Progressively overcom- efforts to progressively overthem when they work for them. ing unhealthy life styles coming unhealthy life styles. Time changes so does things. Remember the old adage, Time and Tides awaits no man or for that matter woman Get my drift? Up next, Success Habits No. 4. A strong Belief in Quitters Never Wins, and Winners never Quit motto. Hello! Are you prepared to prepared to be shocked, disappointed and finally refreshed, reading this success secret no. 4. Right? Then let me get straight to the point! Make no mistake, along the road to change, lapses are inevitable for any one. But in and of themselves, they’re not necessarily setbacks; it all depends on how you handle them. Remember this weight loss thing is not a one shot affair. We have to live in our body every day of our lives, by the minutes, days, weeks, months and years. How our mind adapts to failures will largely determine the condition of our inherited body. Agreed?
No matter how you argue or try to justify this habits number 5, common sense dedicates this obvious fact. Changing distasteful habits involves six predictable stages, researchers have found. If you can identify the stage where you are, you can take steps to spur yourself forward.
In closing, let me add to these facts! This article has given you this weight loss information . It has given you the justification and the facts and the best advice we can give, the rest is up to you. Health is really is wealth in more than just financial, and whatever choices you make, we wish you best of luck in your pursue of a slimmer In case you don t know the and healthier body. Goodbye six stages, let s have a fast re- and happy weight loss endeavminder. Step One. Know the or. Thanks for reading. Bye! exact problem causing the unAND/ healthy lifestyle. Step 2. Find DISCLAIMER LEGAL NOTICES alternative solutions to over- OR come the problem. Step 3. The information presented herein Select the best alternative to represents the views of the author overcome the problem. Step 4. as of the date of publication. BeSchedule the start and finish cause of the rate with which conditimes to work at this problem tions change, the author reserves the Step 5. Get down to solving rights to alter and update his opinions based on the new conditions. the problem and step 6. Finish, This material is for informational follow up and revise if there purposes only and the author does is a need to. Simple enough? not accept any responsibilities for
To sum up, let s recap! Firstly adopt a rugged framework for dieting and exercising . Secondly, to adhere to a low-fat’ low-calorie diet and engage Correct me if I am wrong. But in indoor or outdoor sports what you are about to read may regularly. Thirdly to conbe shocking to you. If you are tinue discovering and adapt-
any liabilities resulting from the use of this information. While every attempt has been made to verify the information provided here, the author and his referrals cannot assume any responsibility for errors, inaccuracies or omissions. Any slights of people or organizations are unintentional.
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Environmentally Friendly Ways of Reusing and Recycling Paper, Books and Mags by: Reuben Frye
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s consumers demand the need for more paper, whether it’s for newspapers, plain paper or books, we continue to cut down vast numbers of really old trees. It will take numerous years to see this turned over. Reusing and recycling paper is really important nowadays.
reuse and recycle.
always straightforward and can be made chalThe traditional means lenging by the stapling of recycling paper is of books and mags. by making use of reMagnets may be uticycling facilities. You lized to handle the will observe that where problems of metal and you dwell, there are op- recycling companies portunities to recycle, are constantly try to including in numerous find ways to better the cases your local grocery process.
Mags and books can be reused, it is only a matter of using our All paper, including imagination. Those old books and magazines, books and magazines are virtually wholly bio- store. You may notice are a fantastic learning degradable, meaning that your local area has resource for your kids they don’t clog landfills different bins so you and they will have the for many years and will can sort your paper for chance to give them to merely degrade into recycling. So that the other people in the funothing. The fact that paper can be usable ture. An old book will there is a need for more once again, the recybe of use to somebody paper makes it appear cling process should be else and it is not hard daft not to recycle as put in place. This saves for us give it this way. much as we possibly the trees and makes for can. That is why we a healthy environment. There are always places should Paper recycling is not like libraries that are World Views Guides
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happy to take your old books from you. Some libraries will take donations of old books and even magazines, providing they are in good condition. The library and the public will be more glad since they will have more reading choices. So instead of merely tossing a book or leaving it to collect dust, think about giving it to a library.
ing your old books.
for the wellbeing of the environment. There are To sum it up, paper is plenty of choices for us being utilized more and to recycle paper and to more but fewer trees. ensure that books and Beasts use trees as a magazines are reused natural home ground instead of thrown away. and they are essential
Books can also be sold instead of given away either locally or online. EBay and Amazon are popular places online where you can try sellWorld Views Guides | 2014
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by: Allen Williams
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ith budgets tightening the first area administrators often cut is their after-school programs and many booster clubs today can only assure their existence by self-funding. Most booster clubs, like other school groups, have come to rely on fundraising to help pay for their equipment and uniforms as well as their trips to out-of-state tournaments and competitions, often not paid for by membership fees. Booster clubs are willing
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to try just about anything to raise money. But selling popular consumer items is one of the most tried-and-true methods available today. In fact, product fundraising programs help non-profit groups, such as booster clubs, raise nearly $1.7 billion each year, according to statistics. It is often the case that it is up to the booster club president to motivate the parents, coaches, teachers, students and other supporters so rally behind your president. Make sure everyone is moving in the right di-
rection to create a fun and successful event. SIGnaShirt Promotional Fundraisers are here to assist your booster club in reaching their goals. With Autograph Shirt Kits and other unique products. For additional information on how SIGnaShirt Promotional Fundraisers can benefit your organization, simply click the video link below. Evaluating products for your fundraiser should involve a few major points of decision making. First should you choose a tangible prod-
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uct like SIGnaShirt Specialties Promotional Fundraisers or something less tangible such as candy bars and food items. Are you stuck making bulk purchases and taking the risk of harboring unsold stock items or should you go with a company such as SIGnaShirt Specialties Promotional Fundraisers, where everything is made to order, removing bulk order risk. (No Bulk Pre-Purchases)
motional Fundraisers Spread The Power of a that offers their clients a Smile with SIGnaShirt sales website to automate Specialties. your orders. And you can also view Upon careful analythe fundraiser program sis, we think when you in action and learn why evaluate SIGnaShirt Spe- SIGnaShirt Promotional cialties Fundraisers com- Fundraisers are rated in pared to other fundraiser the Top 18% for Innovaprograms on the market tion and Marketability at that you will choose to Fundraiser.Deco-Craft.
Should you go with products that are unbranded or branded products that will display your logo with the added benefit of free advertising. Do you really want to have your team selling door-to-door, given the security issues involved, or should you go with a company such as SIGnaShirt Specialties ProWorld Views Guides | 2014
Aries: Are you ready to have
your world of romance, creativity and relationships totally rocked, Aries? This year focuses so heavily on all themes related to your love life and integrating your opposite polarity (Libra). Get ready for a serious indoctrination on beauty, peace and justice. 2014 promises to deliver endless opportunities to perfect your skills in being the best lover and partner you can possibly be. This doesn’t mean you have to sacrifice your authentic, individual Fire-warrior spirit, but it does mean you’re about to learn the art of compromise in a colossal way. Starting in March, the Nodes of Fate will move into your stars right before your birthday, preparing you for a new cycle focused on the ever-elusive balance between ‘self’ and ‘other’. You may feel you are still shedding old aspects of your personality that no longer serve you or your partnerships -- but the payoff is so worth it. You’re a true romantic at heart, ever in search of a truly beautiful and harmonious partnership, and this year just might be the year you get to truly live and experience this like never before. Speaking of love, another major bonus arrives just in time for summer when lucky Jupiter moves into your sector of romance and pleasure for a year.
Taurus: 2014 is the year
of expansion, fulfilling work and stellar wellbeing, Taurus! If you’ve fallen prey to the typical Taurus
legacy of neglecting your own needs and taking care of everyone else’s problems, this is the year to take your power and your life force back so that you can invest in a brand-new life. No, this does not make you selfish or uncaring, this makes you true yourself and with a greater capacity to give to your loved ones because you will no longer be running on empty
-- which is probably how you’ve felt over the past few years. You’ve certainly learned the art of releasing control in 2013. The good news is that the fog is finally about to lift as the South Node finally moves out of your stars this March. You’ve been letting go of so many things -- from material possessions to antiquated concepts around values and security. In fact, you’ve relinquished so much that you may barely recognize your life at this point, Taurus. You’ve certainly learned to simplify your world in 2013, and now you’re getting ready to go rebuild towards greater beauty and harmony. The focus of 2014 is all about communication, work and daily ritual. If you’ve
been promising yourself for eons that you’ll get your daily routine into better balance as in: more exercise, better sleep and less work, this is the year to make that happen.
Gemini: All of your hard
work is totally paying off in 2014, Gemini! The rewards started trickling in throughout 2013, but the real windfall of success is still yet to come. This is the year of perseverance and pay-off. Plus, the super lucky money spree that began late last year continues in 2014. Take advantage of the first six months of the year to work the generous influence of Jupiter in your money zone. The bounty that started last July will continue all the way until summer, so stash some of this awesome surplus for potential rainy days down the road.
Cancer:
You’re still riding high as lucky Jupiter continues his generous tour through your stars in 2014. Maximize this amazing good fortune for the first six months of the year before Jupiter moves on to your neighboring sign of Leo in July. Don’t fear that all of your luck will run dry when Jupiter leaves Cancer. The good news is that starting in July you’ll have the benefit of the big planet working on your money house for a year. If you’ve been waiting for a windfall in your finances, watch how drastically your money situation improves starting this summer.
Your confidence has been on the rise since last year, and the increase in self-esteem is about to pay off in myriad ways, Cancer. Yes, you’ve officially come out of your shell and now you’re in high demand, baby!
Leo: Your star is about to rise
and shine in 2014, Leo. Are you ready for an amazing spell of luck? This summer, the planet of fame and fortune (Jupiter) moves into your stars, catapulting you to the rock star status you so desire and so deserve! Use the first half of the year to prepare on an inner level because the second half is going to explode beyond your wildest imagination. You’re dance card will be so beyond full, it’ll leave you very little time to keep up with yourself. Leo, you’re about to enter a cycle of goodness that only comes around once every 12 years, so prepare to party and live large like the royalty you are!
Virgo:
This is the year for vacation and retreat, Virgo! You’re known as the proverbial workaholic, but this year you’re about to totally transform your image. If ever there was a time to learn how to kick back and relax, it’s now. Although the first half of 2014 will continue with the crazy social frenzy that began in 2013, by summer you’ll be ready to enter a phase of serious seclusion. Too much socializing proves to be incredibly taxing on your nerves, Virgo. You’re more sensitive than most, and it’s hard for you not to feel the pressure of wanting to help, nurture and support all those who come to you for your brilliant guidance.
Libra: If you’ve been a
sad and solo Libra, fear not; relationships take ridiculously high precedence in 2014! You surely will not be alone. If you’re already hitched, expect a series of mindblowing lessons and non-stop insight in the realms of romance and long-term commitment. This is your year to uncover and break through any codependent patterns once and for all. If you’ve been struggling with commitment issues (what Libra, doesn’t?) you will have tremendous support from Saturn and the Nodes of Fate to keep you from your usual fence sitting. The big shift takes place in March when the North Node of Fate moves into your constellation triggering a series of very fated, life-altering events and destined relationships that will unfold over the next few years. All of your relationships (not just romantic) will be radically transformed, as will you. The themes of balance, justice, and beauty will be all consuming starting in March when the North Node moves into Libra. You’ll feel right in your element as others will also be learning all about the art of diplomacy and compromise with you for a change. Life is about to feel infinitely sweeter in 2014.
Scorpio:
The intensity continues, Scorpio! You’ve been through quite a ride in 2013 and you’re very clear that change is the only constant. With all of the trials and tribulations endured, you’re certainly stronger than ever. The metaphor of the Phoenix rising from the ashes (often associated with your sign) could not be more apropos this year. You’ve let go of so much during the last year and
now you’re preparing for a major rebirth. After shedding layers upon layers and ancient attachments, you’re ready for the new. This is your year to get crystal clear on what you’re most passionate about and commit to it in the deepest way possible. You are an all-ornothing sign to begin with, and this is a year when you simply must embrace your all-encompassing nature. You want to live life to the fullest, even if that means going to hell and back. It’s what keeps you feeling on fire and stretched to your max. You want to know that you’re growing and facing your deepest fears and insecurities, and coming back stronger for having done so. This is exactly where you’re at when 2014 kicks in.
Sagittarius: 2014 could
prove to be one of your most social years on record, Sag! The isolation you endured in 2013 is finally coming to an end. Nothing is more unbearable to your freebird soul than the feeling of being sequestered! Luckily, 2014 proves to be just the opposite. If anything, you’ll be craving a retreat by the end of the year just to recover from the non-stop mixing and mingling. There’s so much emphasis on your house of groups, friendships and long-term goals that you’ll happily be back in the ambitious saddle this year. You live for goals, challenges and aiming sky-high. This is your year to totally push past every limit imaginable. You’ll even surprise yourself with how resourceful you can be. Plus, you’ve got so much support from friends, family and colleagues that you cannot possibly lose.
Capricorn: Get ready for
one stellar career year, Capricorn! 2014 could easily be one of your most successful years on record, thanks to a huge conglomeration of planetary energies pushing you to the next level with your professional goals. For one thing you’ll have the planet of drive powering up the top of your horoscope for an extended stay, January through July. Plus, the North Node of Fate will meet up with Mars in March in your professional zone through the end of the year, making the push to excel a dire necessity. Finally, add to all of this ambition the fact that lovely Venus will be kicking off the year in your stars for the first two months. She’ll be retrograde during your birthday month in January, urging you to revisit old values and relationships. You may even see old friends or lovers crawling out of the woodwork. When Venus moves forward in February, you can expect some serious sweetness in your relationships -- and possibly
some extra cash.
Aquarius: 2014 is the
year to broaden your horizons and fly the friendly skies, Aquarius. The emphasis is on long-distance travel, philosophy and all forms of conscious awareness. If you’ve been hiding out at home, this is the year to get packing. Unprecedented adventure awaits. Life is sure to take you on some important journeys (literally, figuratively or both) on the quest for revealing the kind of mind-blowing truths that can only come from direct experience. You’ll have Mars firing up your house of travel for the entire first half of the year and quickly joined by the North Node of Fate in March. Wanderlust and travel fever could easily become daily themes, especially during the first half of the year. If you’re not able to physically travel, opt for activities that expand your mental and spiritual horizons, even if that means learning a foreign language or furthering your education.
Pisces: 2014 is the year of
major transformation and rebirth, Pisces. You’re about to undertake such a massive personal renovation project that your inner world will never quite look or feel the same. Of course, this will in turn revolutionize your outer world in the most fantastic ways imaginable. The first half of the year continues to celebrate romance and pleasure in a big and fabulous fashion. The overwhelming abundance of love that started crashing into your dreamy world last summer will continue to flourish straight through July. It’s not a question of falling madly in love -- it’s a question of why it seems to be a daily occurrence. The spell won’t be broken until summer, so enjoy this incredible fantasy. Once summer comes you may have to choose and commit.
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SBA Business Loan Criteria To Obtain SBA Loans by: Jassica Thomson W hile you t r y to obt ai n an on SBA
need to discuss the amou nt you feel
process is ext remely cr ucial. It is
busi ness loan there are cer t ai n re-
is necessar y for you r vent u re and
related with all the f i nancial st ate -
qui rements that need to be f ulf illed.
then specif yi ng the det ailed i nfor-
ments regardi ng you r busi ness ven-
Let us have a look at them below:
mat ion about how you will use these
t u re st at us. However, this scenar io
T he f i rst requi rement is to provide a
f u nds for you r busi ness. One thi ng
is com mon to ever y loan package
det ailed prof ile of the busi ness that
should be kept i n m i nd: Always read
that you will obt ai n f rom any where.
you are cu r rently r u n n i ng. T his will
caref ully all the schemes and plans
All the f i nancial st atements are re -
i nclude det aili ng of the busi ness
available before applyi ng. You need
qui red to be subm it ted per t ai n i ng to
t y pe that you are r u n n i ng. You will
to ensu re that you are choosi ng the
the last th ree years and also of the
also need to provide the t i me li m-
best scheme to meet you r needs and
present year.
it f rom when you are r u n n i ng this
requi rements. Unless you u ndergo
Not only the f i nancial st atements
busi ness. Also, any i nfor mat ion re -
but also cer t ai n other f i nancial cal-
gardi ng the overall sales, prof it and
culat ive sheets need to be i ncluded.
loss repor ts will also need to be dis-
T he accou nt payables, receivables
cussed. Fi nally, the tot al nu mber of
and the t ransact ions related to cash
people work i ng u nder you needs to
f low are also requi red to be show n.
be ment ioned along with the area of
T he major advant age i n this cr ite -
locat ion of the vent u re. Apar t f rom
r ion is that suit able proof can be
providi ng this i nfor mat ion, you will
provided th roug h some st atements
also be asked to provide all the busi-
the cor rect select ion and applica-
of cash f low on monthly basis to
ness operat ion related news. T he
t ion procedu re, you will f i nd that
hig hlig ht the fact that you can repay
next requi rement is the process to
you have achieved nothi ng as you r
the loan amou nt without any sor t of
select the cor rect SBA loan that will
applicat ion will be r uled out.
t rouble or diff icult y.
best meet you r pu r pose. You will
T he next step of the applicat ion
World Views Guides | 2014
Tankless Water Heaters- Tankless Water heater repair and installation for your home by: Trish
We all know hot water less water heater. Have you bill. This is why if you are is very much a necesfound yourself scratcha conservative or a home sity. Most of us have waing your head when the owner that simply wants ter heaters at home and electric bill comes, most to save money and endo not give it a second of us have. Depending on joy effective water heatthought, we just assume your household size and ing consider switching to we will have hot water on use, your conventional hot different system. It may a daily basis until you are water tank can even drive be time for to try using a standing in the shower your electric bills through tankless water heater. and the water goes cold the roof. because someone in the With electric bills soarother part of the house Did you know that most ing and people becoming decides to turn on the conventional heaters make more eco- friendly there water, trying to get the up for almost 20% of your are many people now dishes done after dinner household energy conconsidering having a tankand no hot water or we get sumption. Think about less water system. Do you ready for that therapeutic this for a moment 20% believe a tankless hot waevening bubble bath so we is a lot of consumption ter system is right for your can unwind or that morn- when you begin thinking home? There is no reason ing shower to get us going about the different house- why it should not be. The and there is no hot water. hold items that make up reasons for having a tankIf this sounds familiar it your electric bill clothes less verses not having a may be time to consider dryers, stoves, heat, wash- tankless system certainly that tankless hot water ing machines, lights, hair outweighs the disadvantank. dryers and the list goes tages. on. So when you think Let s discuss the advantage about it on this level 20% Lets review some of the s of replacing your old hot for the use of hot water is reasons why installing a water tank with a Tankquit a bit of your electric tankless heater could be
very beneficial: Tankless hot water heaters are energy efficient. You can cut your heating cost to up to 30%. Now think about this for a moment If your hot water is costing you up to 20% on a conventional hot water tank and your saving up to 30% on a tankless hot water system and the tankless is also eco -friendly well, this sounds pretty beneficial.
time, wow .no more be20 years and still maintain ing deprived of hot water its efficiency. in your home. It does not matter whether two or more faucets are running at the same time. But keep in mind speak to your professional plumber so they can advise you on what you may need as far as a whole house type of heater or what your options are by installing two or more of this type system to meet instantaneous hot water demand.
Water Heaters� work differently from the conven- You should know tankless tional water heaters. With water heaters are safer bea Tankless water system cause the system does not the water is heated only store water that can be a when it is needed. When breeding ground for bacyou turn on the faucet that teria such as Legionella. is when the Tankless heatKeeping the water teming system kicks in and at perature at an appropriate the same time the water temperature is important is heated (using a heating to keep these type of bacelement). That is why a teria s from thriving. Tankless hot water system is also called “InstantaPreventive maintenance neous or Demand. is still periodic same as a conventional heater but With tankless water heat- the cost is lesser. The next ers there is constant flow great advantage of a Tankof hot water, so this allows ess water system if you do everyone in your home to what the manufacturer have hot water at the same requires, it can last up to