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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Westmoreland County is a county located in the U.S. state of Pennsylvania. As of the 2010 census, the population was 365,169. The county seat is Greensburg. Cut from Lancaster, Northumberland, and later Bedford County, Westmoreland County was founded on February 26, 1773 and was the first county in the colony of Pennsylvania in which its entire territorial boundary was located west of the Allegheny Mountains. Westmoreland County originally included the present-day counties of Fayette, Washington, Greene, and parts of Beaver, Allegheny, Indiana, and Armstrong counties. It is named for Westmorland, a historic county of England. Westmoreland County is included in the Pittsburgh, PA Metropolitan Statistical Area, as well as the much larger Pittsburgh-New CastleWeirton, PA-OH-WV Combined Statistical Area. A major coal strike occurred in the county in the winter of 1910–11. Geography According to the U.S. Census Bureau, the county has a total area of 1,036 square miles (2,684 km²), of which 1,025 square miles (2,656 km²) is land and 11 square miles (28 km²) (1.05%) is water. Adjacent counties Armstrong County (north) Indiana County (northeast)
Cambria County (east) Somerset County (southeast) Fayette County (south) Washington County (southwest) Allegheny County (west) Butler County (northwest) As of the census of 2000, there were 369,993 people, 149,813 households, and 104,569 families residing in the county. The population density was 361 people per square mile (139/km²). There were 161,058 housing units at an average density of 157 per square mile (61/km²). The racial makeup of the county was 96.58% White, 2.01% Black or African American, 0.09% Native American, 0.52% Asian, 0.02% Pacific Islander, 0.15% from other races, and 0.64% from two or more races. 0.51% of the population were Hispanic or Latino of any race. 23.7% were of German, 18.5% Italian, 9.7% Irish, 8.9% Polish, 6.7% English, 5.2% Slovak and 5.0% American ancestry according to Census 2000. There were 149,813 households out of which 28.40% had children under the age of 18 living with them, 57.00% were married couples living together, 9.60% had a female householder with no husband present, and 30.20% were non-families. 26.90% of all households were made up of individuals and 13.30% had someone living alone who was 65 years of age or older. The average household size was 2.41 and the average family size was 2.93.
In the county, the population was spread out with 22.00% under the age of 18, 6.80% from 18 to 24, 27.50% from 25 to 44, 25.40% from 45 to 64, and 18.30% who were 65 years of age or older. The median age was 41 years. For every 100 females there were 93.10 males. For every 100 females age 18 and over, there were 89.70 males. Under Pennsylvania law, there are four types of incorporated municipalities: cities, boroughs, townships, and, in at most two cases, towns. The following cities, boroughs and townships are located in Westmoreland County: Greensburg is a Laurel Highlands city in Westmoreland
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County, Pennsylvania, United States, and a part of the Pittsburgh Metro Area. The area lies within the ecoregion of the Western Allegheny Plateau. The city is named after Nathanael Greene, a major general of the Continental Army in the American Revolutionary War. Greensburg is the county seat of Westmoreland County, with a population of 14,892 people residing in the city, and a combined total of around 60,000 people in the 15601 zip code, which is split among multiple municipalities, including Hempfield Township, Salem Township, Unity Township and Mount Pleasant Township. Located southeast of Pittsburgh, Greensburg is a major business, academic, tourism and cultural center in Western Pennsylvania. It is evident as the city’s population doubles during work hours. The city ranks seventh in Pennsylvania in terms of daytime growth, behind Pittsburgh, Philadelphia, Harrisburg, King of Prussia, Lancaster, and State College. It also ranks 16th in the United States for daytime growth among towns with a resident population beWorld Views Guides
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tween 15,000 to 24,999. In 2007, Greensburg was ranked as one of the “Best Places to Retire” in Pennsylvania by U.S. News & World Report. After the end of the Revolutionary War, an inn was built along a wagon trail that stretched from Philadelphia west over the Appalachian Mountains to Fort Pitt, now the city of Pittsburgh. A tiny settlement known as Newtown grew around the inn, today the center of Greensburg’s Business District at the intersection of Pittsburgh and Main Streets. At Pittsburgh, the wagon trail became Penn Avenue. In 1782, a raid by Guyasuta-led Seneca Indians accompanied by Canadian rangers burned Hannastown, the original Westmoreland County seat, north of Greensburg, and the first county seat west of the Allegheny Mountains. Newtown became the new county seat in 1785. In 1786, the county built a log courthouse on land purchased from two residents, Christopher Truby and William Jack. The Westmoreland County Courthouse, in its various
incarnations, has stood on this site. The area surrounding the courthouse became the original borough of Greensburg, named for American Revolutionary War General Nathanael Greene, and formally incorporated as a borough in 1799. In the early 19th century, Greensburg had very little growth. After 1850, Greensburg became a growing county seat with inns, small businesses and hardworking residents. It was a railroad stop and the discovery of large areas of soft coal nearby made it the center of a vigorous mining industry in the late 19th century and early 20th century. Seton Hill College, formerly St. Joseph’s Academy, became a fouryear women’s institution in 1918. Greensburg became a ThirdClass City on January 2, 1928. After World War II, more residential areas were developed in various sections of town. Greensburg’s cultural status grew as the Westmoreland County Museum of Art opened in 1959 and the University of Pittsburgh founded
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the branch campus, University of Pittsburgh at Greensburg, in 1963, now located in Hempfield Township. The opening of Greengate Mall and Westmoreland Mall in 1965 and 1977, respectively, marked a new era for retail shopping in the area, but negatively impacted retail businesses in Downtown Greensburg’s shopping district. Changes in local shopping habits had already taken its toll by the late 1970s when Troutman’s Department Store closed. By the mid-1990s, city officials shifted its revitalization plans on the cultural aspects of Downtown Greensburg, such as the restorations of the Palace Theater and the historic Train Station, as well as a new, recently opened performing arts center for Seton Hill University. Also, in July 2009, Lake Erie College of Osteopathic Medicine, the largest medical school in the country, opened a satellite campus at Seton Hill University. Now over 200 students study at LECOM at Seton Hill every year. As part of this ongoing transition, an expansion of the Westmoreland Museum of American Art is also in the planning stages. The city is home of the Roman Catholic Diocese of Greensburg. Historical facts Greensburg’s first log school house was located at the site of St. Clair Park. St. Clair Park was originally a cemetery. When the borough banned cemeteries, St. Clair cemetery was moved to its current location, just east of town. Mt. Odin Park was originally the
estate of Dr. Frank Cowan, attorney, physician, author and former Secretary to President Andrew Johnson. Dr. Cowan willed his land to Greensburg to be used for recreational purposes. Neighborhoods and wards The city of Greensburg is currently composed of eight wards, most of which were formerly boroughs and are divided into several neighborhoods. Bunker Hill, now Fifth Ward, was merged into Greensburg in 1894. The name originated because of fights at the rowdy Bushfield Tavern in the early 1840s to mid-19th century that were compared to the Battle of Bunker Hill. In 1905, Greensburg absorbed three adjacent boroughs, including Ludwick, now Sixth Ward, which was named for Ludwick Otterman, an early settler for whom the street is also named, as well as East Greensburg, now Seventh Ward, and Southeast Greensburg, unofficially known as Paradise (Eighth Ward). South Maple Avenue was originally named Kinderhook (Third Ward). Second Ward, located north of Downtown Greensburg, is the largest ward and includes the neighborhoods of Saybrook Village, Evergreen Hill, New Salem Acres, Country Club Meadows, Northmont, Devonshire Heights, Rose Fountain Farms and Academy Hill. Hilltop, a neighborhood in Eighth Ward, was originally settled by Italian immigrants and borders South Greensburg and Underwood on either side. First Ward features Chestnut Hill and Shuey Plan,
and is also home to Seton Hill University. Other Greensburg neighborhoods include Eastern Estates, Underwood, Shogan and Hillcrest. Eighth Ward was originally home to many Italian immigrants from Cercemaggiore, Italy. Today, the original Our Lady of Grace church, built by the masons from Italy, still stands although used as a residence. The Hilltop Social Club, founded by a few families who lived in the areas of Bierer, Margaret, White and Catherine Streets is also located here. Every year it has become a tradition for the firehall in the Eighth Ward to throw a carnival which includes bingo, amusement rides, and of course the famous Shuey Burgers. Two neighborhoods have been designated as U.S. historic districts, the Greensburg Downtown Historic District and the Academy Hill Historic District. Also listed on the National Register of Historic Places are the Greensburg Railroad Station and Westmoreland County Courthouse.
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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. this year 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 Firewarrior 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: this year 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 last year. 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 last year, and now you’re getting ready to go rebuild towards greater beauty and harmony. The focus of this year 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 this year, Gemini! The rewards started trickling in throughout last year, 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 this year. 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 this year. 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 this year, 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 this year will continue with the crazy social frenzy that began in last year, 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 this year! You surely will not be alone. If you’re already hitched, expect a series of mind-blowing 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 this year.
Scorpio:
The intensity continues, Scorpio! You’ve been through quite a ride in last year 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 this year kicks in.
Sagittarius: this year
could prove to be one of your most social years on record, Sag! The isolation you endured in last year is finally coming to an end. Nothing is more unbearable to your free-bird soul than the feeling of being sequestered! Luckily, this year 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! this year 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: this year 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: this year 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