Reading bank ratings can be a tremendous way of picking the right bank to do business with. All too many people just settle for whatever bank is in their area and don’t investigate at all if it’s really the best one for their needs.

Aren’t all banks the same? In services offered, many of them are similar, but in terms of customer service and many other variables, there are many differences.

Also, the quality of service can vary widely from bank to bank. The financial advisors at one bank might not be nearly as competition as the ones at another bank, for example.

Therefore, finding the best bank to do business with is a critical step to take. Here are some tips to help you find the right one easily.

First of all, Bank of America is one of the most popular banks in the country, and they have locations all around the country, hence the name. Chances are, if you have seriously looked into the top banks around, you have at least considered Bank of America. Are they really the best?

When it comes to their customer service, they are always one of the fastest banks to respond to any issues you might have with them, which is always an important component.

Just by emailing or calling them, you can almost always get a hold of somebody very shortly, many times within the same day. They have region specific customer service numbers, so in order to find the right one for you, just check the banks in your area.

The best part about bank of America, however, is their online banking, which is really second to none. First of all, if you are concerned about security online, as many still are when it comes to online banking, you don’t really have to worry about this with bank of America.

Security really isn’t nearly as much of an issue now with any bank as it used to be, but bank of America is always towards the top of the list in this department, so if you are paranoid you can be put at ease.

Another feature they offer is the ability to set up automatic payments for certain businesses. You obviously wouldn’t want to do this with everybody you do business with, but the companies that you find yourself working with over and over, all you have to do is input their info into your account, set up a date to pay them each month, and the money will be automatically debited from your account and put into theirs without you having to lift a finger.

This is an excellent option, and one that really comes in handy with companies you work with a lot, and can save you a ton of time when paying your bills online. If you do go with Bank of America (or any other bank for that matter) you absolutely should take advantage of their online banking features, as this will save you some serious time and help you get a lot more done.

This is one of the reasons that bank of America is always towards the top of many bank ratings online.

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In 2007, there were over 27 million small businesses in the United States and many of those small businesses were in the retail, service and/or food-service industries. Taking into consideration that some of these retail businesses may be products of a single owner, there is still sound reason to believe that there is a considerable amount of retail owners in the United States. But even with hundreds of thousands of colleagues, being in a financial rut, not knowing if one’s business will make it through the off-season, or wanting to expand but lacking the funds to do so, can make a retail owner feel pretty lonely.

For the multitude of retail businesses in the U.S. and their owners, the merchant loan is like a rescue helicopter landing on a deserted island. It can take your financial worries, fears and shortcomings and turn them into the relief in knowing that business financing is possible.

But what type of merchant loan is best for your specific type of business? That is a question that only research and sometimes trial and error can answer. Some of the different merchant loans that are available are bank loans, equipment leasing and venture capital.

There are obviously various types of merchant loans but there is only one type of merchant loan that takes your business’s future credit card sales and turns them into cold hard cash today! With the merchant cash advance, small business owners in the retail and/or service-oriented industries can receive funding for their businesses from $5,000 to $500,000.

These funds can be used for anything the business owner feels will help his/her business. Why is this merchant cash advance more convenient than the other types of merchant loans?

1. Looser Requirements

Eligibility for a merchant cash advance depends mainly on the amount in credit card sales that a merchant processes. As the amount in monthly processed credit card sales increase, so does a merchant’s possible funding amount.

The merchant cash advance is completely unsecured. Therefore, even if a merchant has no collateral, he/she may still be eligible to receive a merchant cash advance.
Looser requirements also mean more merchants can be eligible to receive a merchant cash advance.

2. Renewals

The merchant cash advance can be renewed approximately every three to four months. Merchants are allowed to renew their advances as many times as they please. This comes in handy for many merchants because it allows them to have business funds available to them at all times.

3. Fast Funding

Most methods of business financing take a considerable amount of time to actually come through for a merchant. The application, review and funding processes of other types of business funding methods can last longer than a merchant would wish. But with the merchant cash advance, small business owners can be approved in 48 hours and funding can occur as little as ten business days.

4. No Restrictions

Merchants who chose to use a merchant cash advance as their source of business financing are allowed to use their funds however they please. This means, merchants can have funds to increase working capital, update equipment, increase advertising, renovate, etc.

Merchant cash advance lenders will not ask a borrower to write out a business plan or develop a presentations outlining how the money will be used. The decision of how to use the funds is left completely up to the business owner.

5. Automatic Repayments

Merchant cash advance repayment procedures differ greatly from other types of merchant loans. The merchant cash advance lender will automatically deduct a small percentage from a business’s daily credit card sales until total payback is completed. This payment method allows payback to go with the flow of business, which is very convenient for those working in the retail/service-oriented industries.
With the availability of the merchant cash advance, merchants can get a loan so they no longer have to feel alone when it comes to business financing.

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It is important for college students to be able to pay for their tuition, books, fees and living expenses while they are attending post-secondary school. A student loan and a scholarship can cover most of the associated costs, but there are still other day to day expenses to consider. If an emergency occurs and the student needs extra cash, then they need a financial back-up plan. A bank credit card can help with these unforeseen expenses and it will also help them to build their credit score.

Credit Score Can Affect Your Bank Credit Card Application

If you have applied for unsecured credit cards or a bank credit card and have had no luck with those, you may be running into the same problem which many people with little or no credit scores face. You must have credit in order to achieve credit. This can be very frustrating for those who have either tarnish on their credit rating due to paying bills late, or don’t have a credit history at all.

If having a credit card is your goal, then you need to start off small. There is a card for bad credit that many people utilize. It may require a deposit to assure the lender that funds are available to match the credit limit. Many people who have bad credit or no credit rating will utilize these cards, as a way to start or re-build credit scores. The downfall is being forced into paying high interest rates and a yearly membership fee that is often ridiculous. Use these as a last alternative.

If you are determined to have a credit card from your bank of choice, then you may want to consider asking your parent to co-sign the application with you. You will have the card in your name, but your parent’s credit score will determine your interest rate and your credit card limit. This is a great way to get a 0 APR credit card and start to build your own credit rating.

Do Not Go For A Shopping Spree With Your Credit Card

Okay, you have obtained a bank credit card and now have the freedom to spend up to your credit limit. What comes next? Well, it should not be a shopping spree. This is the time to use some restraint. It can be thrilling the first time you hand over that piece of plastic to the store clerk, but you must always remember to use it wisely. With that small piece of plastic comes great responsibility. You will need to make your payments on time and always try to keep a minimum balance that you can pay off.

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Every parent has experienced the dread that comes with their child announcing a school or sports team fund raiser. Parents find themselves helping their child hawk containers of high-caloric cookie dough…or skimpy rolls of wrapping paper…or calendars they’ll never use…or magazine subscriptions to Bee Keeper Gazette. How about suggesting the school or team try a few innovative fund raising ideas? The following ideas are creative ways to raise money for your specific program.

Teachers Lip Sync Extravaganza: Teachers are often hesitant to perform in traditional talent shows. Performing in a lip sync act requires only exaggerated, outlandish stage presence, not talent. Charge admission for families to come watch teachers and staff as they display their talents playing air guitars and prancing around in swimsuits, carrying surfboards and lip syncing to songs such as California Girls.

Many cities have businesses pay to decorate life size cows or pigs, which are then displayed throughout the community. Why settle for decorating a traditional animal statue? Encourage businesses to pay to be corporate sponsors for the chance to get a toilet destined for the dump. Each business receives a clean, yet used toilet,(available from most recycling centers) which they decorate. On a designated day, collect the artistically decorated toilets and set up makeshift bowling lanes. Community members pay to view the toilets and pay extra to roll a bowling ball down the lane and smash the toilets. Just think. Your organization gets money when businesses buy a toilet and then additional money as people pay to destroy the toilet with a bowling ball!

300 million children around the world are without a pair of shoes. Teach your children how to help others while also raising money for your organization. Soles4Souls, a non-profit agency, has distribute over 3 million pairs of shoes around the world. Students simply take orders for clogs or flip flops, which Soles4Souls distributes free of charge to people in need. For every $5.00 flip flops or $10.00 clogs students sell, your organization receives 40% of the proceeds. More important, your student’s efforts help put a pair of shoes on the feet of someone in an impoverished or disaster-stricken area of the world. Contact www.soles4souls.org or 615-391-5723

Americans are spending billions of dollars on jeweled collars and personalized raincoats for their pets. Sponsor a pet fashion show where pet owners pay you to participate. For added interest get the mayor of your community or a local celebrity to “model” along with their pet. Any pet store would be glad for the publicity that comes with paying to be a “corporate sponsor” and promote their products. Planning is simple: Pet stores pay to be a sponsor, people pay to walk the runway with their adorable dog, cat, ferret, miniature horse, etc, and people pay admission to attend the event. All you need is a gym with a runway and a few pooper scoopers on hand!

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Internet research services is a popular segment of the offshore outsourcing industry. Internet research supports a variety of KPO procedures like data mining, data extraction, data collection, data validation, data management, mailing list creation and contact database development. This is because, for all these processes to be carried out it is important to have access to raw data. And this is something acquired by internet research.

There are several offshore service providers who offer seamless and cost effective internet research services for your business. Internet research services are designed to support a variety of management functions like strategic planning, decision-making, marketing campaigns, publicity and promotion, and information management in addition to documentations management. With efficient internet research services, businesses can access relevant and crucial information that they can further use to enhance their operations and campaigns so that they are more effective.

Benefits of Internet Research

Increased Accuracy
Internet research service providing companies guarantee high levels of accuracy (about 99.5%) in all their projects. The research professionals are both experienced as well as know how to manage resources and skills efficiently. The quality assurance procedure focuses on the elimination and correction of all sorts of errors and inconsistencies. Inconsistencies in the information can have a huge negative impact on the quality of information. It can result in invalid data, missing data, incorrect data, duplicate data and other flaws in spelling, punctuation and structure. Therefore, accuracy is a key concern that needs to be ensured.

Optimum Security
Offshore outsourcing involves transferring crucial business data to offshore service providers. And this increases skepticism among business owners regarding the security of the data. However, professional offshore companies generally have several procedures and technologies in order to ensure the security of client data and information. Strict security measures are followed right from the data transfer point to the information dispatch stage.

Enhanced Efficiency
Offshore companies have strong infrastructure resources that include technology assets coupled with the experience and expertise of research professionals. Their training and assessment programs make them adept at what they do and the managerial procedures ensure seamless collaboration. As a result, the client work enjoys enhanced efficiency.

Increased Transparency
The outsourcing service providers have transparent project management so that both the client and the service provider can be on the same page. The contracts and agreements are keyed in after discussions and agreement of both parties so that any future issues can be resolved peacefully. Thus you can be rest assured about capacities, processes and results of your business functions.

Cost-Effectiveness
Cost benefits are one of the major benefits of offshore outsourcing projects. The offshore service providers only charge a fraction of cost of what it would take to complete the same task in your home country.

Faster Delivery
Because service providers make use of superior technology coupled with expert services of professionals, I is possible to have quicker turnarounds. This again goes on to benefit the business and its various processes.

Internet research services can provide your business with a great deal of benefits. So make sure you make use of it at the earliest.

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Distressed Debt is starting to make a lot of noise in the alternative investment arena, and with everyone jumping on the boat it might be ready to tip. I have seen numerous announcements of new distressed debt funds and I think we will keep seeing more down the line. Here are questions you should be asking: who are going to be the winners and losers, and does anyone really know how distressed the debt really is?

The buzz in the investment air went from buying real estate to buying distressed debt. What I would like to concentrate on here is distressed debt in the form of real estate mortgages. Being a fund manager of a specialized fund that operates as an asset based lender in the business of alternative financing, we are getting hit almost daily with people looking for money for foreclosure acquisitions. Everyone is talking about buying foreclosures, and the media is again helping to purport the good news/bad news story by publishing articles about investors making big money through foreclosures. The most favored structure for investors is to negotiate short sales with banks before the foreclosure, and lately it seems the banks are more open to this option than before.

A short sale, for those of you not familiar with the term, is a sale of a mortgage note for less than its face value. Banks do this because they want to get the bad debt off of their books. This works well in a good market because it gives the new note holder instant equity in an appreciating asset with the hope of a large gain on the eventual sale after an eventual foreclosure. Granted, in this current market, short sale pricing is a little more discounted than usual, but for good reason since the housing market is a bit in shambles. Once an investor actually does negotiate a short sale and take possession of the note, the long foreclosure process begins.

First off, real estate is not a liquid asset and the foreclosure process makes it even more illiquid. If you are looking for a quick turnaround, look somewhere else. The foreclosure process is not only long and tedious, but if you are unfortunate enough to buy a note for a residential property that is owner occupied, the law is not on your side. As a rule, commercial property is a less regulated structure that is more of a business agreement than the regulated monster that is residential lending. In residential lending, the law gives the borrower every possible leniency and time is on their side. A residential owner can stretch out a foreclosure for anywhere between 6 to 18 months, and depending on the state and how much they fight it, it could go even longer than that. Imagine having to service the debt that was used to buy the foreclosure during this long unpredictable wait; every month the payment to carry that debt eats into the profit. However, that is only the start of the pain because you also need to add up all the costs like legal, insurance, maintenance, and the potential damage that will have to be repaired when the borrower leaves (needless to say, evicting someone from their own house brings out the worst in people). Wrap it all up and distressed debt starts looking less like a slam dunk and more like a dunking tank.

The big question is how certain are the funds betting on this strategy. Furthermore, I am curious about whether or not there is a long term strategy for these funds? If there is a long term strategy, what is it? Because the amount of new loans being made is decreasing, and once we start churning through all of the bad debt and foreclosures, how much business will there be to support a multi-billion dollar fund?

This is not to say that there aren’t a lot of very skilled fund managers out there with the experience and know-how to make this kind of strategy pay off, but if I had to take a guess, I would say that the Asset Based Lenders (ABL) are going to be the big winners here.

Now I am possibly biased. In full disclosure, the fund I co-manage is an asset based lender collateralizing on commercial real estate, but here are the facts to back up why the ABL’s are the play here. It takes cash to negotiate a short sale, and it is next to impossible to get a bank to give you an unsecured line to go out and buy short sales. Even trying to get a loan on a commercial property that you already own is becoming a magic trick, so these buyers only have one choice and that is alternative financing. These alternative financing sources can charge what they want for the simple reason of supply and demand. When I say they can charge what they want, I am talking about rates in the neighborhood of 11%-20% on average, and those are good returns in any market. Not only can they charge what they want, but they can also afford to be cautious. Most alternative financing sources (many being ABL funds) only lend on commercial real estate, and during the heyday, banks were lending somewhere between 75% to 100% loan-to-value(LTV) while ABL’s were generally lending around 65% (LTV). On average that is 15%-20% more collateral in a deal, and collateral translates into security. In addition, most good ABL’s are originating and underwriting their own loans which helps keep these valuations accurate. An experienced ABL should know how to sift through the numbers and nuances of a deal to understand what the end looks like before the start.

ABL’s are currently doing very well and the significant returns are still ahead of them. One must consider that ABL’s are probably going to lend around 65% LTV on a note that has already been negotiated down between 25%-30%. In fact, the new norm for ABL’s seems to be below a 60% LTV. That means that a note that was discounted 30% is then discounted by the ABL’s another 40%, and clearly the security starts looking more secure. If the borrower defaults and the ABL forecloses on the property, there is an awful lot of equity remaining to provide a potential gain in the end. It’s easy to see in the short-term that ABL’s are generating great returns through high interest, and in the long-term they have the potential to secure healthy gains through possible foreclosure on their own deals.

Let’s be clear, there is a vast amount of opportunity in distressed debt. However, the most lasting and secure opportunity is in the hands of whoever is at the end of the end game, and that long end game player is the Asset Based Lender.

Copyright: Dominic Mazzone, Regent Global Funds 2008

This article was written by Dominic Mazzone, Managing Partner and Fund Manager of Regent Global Funds.

This article and other like it can be viewed at http://www.investingsymposium.com which is part of the Regent Global Funds Network.

Regent Global Funds is a alternative investment fund that offers its participating investors and asset backed investment through asset based lending and can be found at www.rgfunds.com

The Fund Managers of Regent Global Funds have an expertise in commercial real estate lending and have created a successful alternative investment vehicle that is diversified through this structure.

They separate themselves from other fund mangers by personally investing their own money side-by-side with their investors in the fund, creating an absolute structure of accountability. Dominic Mazzone has written about the need for this type of accountability in an article titled Fund Managers Need to be Accessible and Personally Invested.

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The home based internet business becomes more and more popular either as an alternative occupation or a source of extra income. This newbie internet business series is dedicated to those who just start or those who are considering to start their home based internet business. By reading the series, you will have a better understanding what it is about, avoid the mistakes and take the right path to excel.

The Advantages (the Pro)

• Flexible working hours.

If you have your day job, young children, household to take care of or study to work at, you are still able to do your home based internet business at your convenient time.

• Small capital requirement.

Compared to offline business that requires a lot of money to set up, the home based internet business needs only a small capital to start up.

• Unlimited income potential.

Working for others limit your potential to earn money but home based internet business has unlimited income potential. Many people become millionaires in the internet.

• “Low-cost” labor.

You start your home based internet business by yourself and when it gets bigger, you can seek help from your spouse, teenage children or relatives whom you do not need to pay much.

• Hassle free business.

Many things you need in the internet are done autopilot such as your websites and auto-responders. Some products even allow you to have 6 automated income streams within 24 hours.

• Low overhead expenses.

The home based internet business allows you to work by yourself from the comfort of your own home, you save lots of money from office rental, employee’ salary and travelling costs. Beside computer and internet connection, you hardly need any other machines.

• No face-to-face interaction.

For those who are shy to meet people or have physical challenges are still able to have their own business. People only communicate with your words without facing you personally. You can be in your pyjama or t-shirts and nobody knows. Furthermore, there is no age limitation; you can run the home based internet business at any age.

• Immediate start.

Compare to offline businesses that require a few months to start, the home based internet business allows you to jump in immediately.

• No company requirement.

You do not need to have a company to start your own home based internet business.

• Flexible place to work.

You are mobile when you are in the home based internet business. You can work wherever you desire as long as you bring your laptop and there is an internet connection.

The Disadvantages (the Cons)

• Reliance on high speed internet connection.

When you don’t have high speed computer and internet connection then you waste so much time in front of the computer waiting for your pages to be displayed. Some remote places still face this kind of problem.

• Addiction to work.

Since you work from home, you can be workaholic. Nobody is going to stop you from working 24/7. There is no working time framework. You could neglect your family or household works because you are too consumed with your online business.

• Loneliness.

The home based internet business is a lonely place because you do not interact with people face-to-face.

• No immediate result.

It can be very frustrating because you do not see the money immediately. If you follow the wrong coach or program, you even waste time and money.

• Risks.

You do not know who you are dealing with since you do not face him/her so there is a possibility you could be cheated. Many scams happen in the internet.

• Hard work.

It is a hard work. You need to be willing to spend hours to learn about your products, marketing and customers care.

• Dependence on strong self-drive.

Home based internet business requires high self-discipline and self-motivation. Since you have nobody telling you what to achieve daily you need to create your own agenda and target. If you do not have a strong “why,” you will end up joining the 90% of the people who fail in this business.

Before you embark into a home based internet business, you need to consider these advantages and disadvantages and make the firm decision why you want to get into it. There are consequences you have to pay just like every decision you make. Are you willing to pay the price? Do you have what it takes to succeed in the home based internet business? Find out more.

Starting Home Based Internet Business

Free Website Builder & Wealth Report

www.TessieSetiabudi.com

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A working capital loan is a source of funding provided to financially assist the everyday operations of a business to keep it thriving until it is able to generate enough revenue to support itself. In terms of function, it may be likened to blood as its circulation continually keeps the company alive. A working capital loan may be used to cover expenses such as employee salary, inventory handling, marketing budget, mortgage payments or rental, and others.

For some business having access to a reliable working capital loan provider may mean a leap away from bankruptcy. The current liabilities of the business or its debts and other obligations, when taken from the present assets comprising of every valuable thing owned by the business should amount to a positive figure. A negative working capital simply means that the business owes more than it is earning. This scenario expresses an urgent need to find funds.

Working capital loans are not only meant for businesses who are trying to make ends meet with their cashflow or entrepreneur in need of money to cover emergency expenses. Though this is ideal for steadying a business after a good financial shake, some businesses who may be doing well may even consider availing of the said financial assistance. Growth and development are among the more popular reasons that urge businesses to decide that acquiring a working capital loan is right for them. With it, businesses can maximize the use of their existing assets, bringing out the greatest potential in them.

Depending on your current needs and situation, you can go for either a secured or unsecured working capital loan.

Secured working capital loans are provided for against a collateral that serves as the personal guarantee. Business owners must be ready to put up assets whether owned by the business or personally by them. The value to be posed as collateral will depend on the evaluation of the lending company on the ability of the borrower to repay the amount to be loaned. Interest-wise, this type offers the best rates as well as flexible and easy repayment terms. Compared with unsecured ones, it is easier to obtain.

Unsecured working capital loans are often granted to applying business owners that may be considered low to zero risk. Because of the nature of this financial service where no security is offered, the risk posed on the lending company is greater. In cases where the amount borrowed is not paid, costly and time-consuming legal courses are to be brought up. To balance this risk issue, you should expect that the loan provider would be charging a higher rate.

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Your fund raising event’s success can multiply your donor support, increase understanding of and generosity towards your cause as well as raise up front funds.

Your event’s success relies on the publicity that your group can effectively attract. Remember that community awareness will definitely increase your end results.

Publicity for fund raising event tips:

Make use of your website.  Use your website to announce your objectives,
highlight regular offerings, thank your supporters and sponsors, honor certain contributors, recognize successes, etc.

Promote through the newspapers, flyers, word of mouth, posters, brochures, etc.  Be sure to include all information in your flyers and display posters in very strategic places.

Take advantage of special gatherings.  Announce your fund raising event at other social gatherings.

Goal and objective awareness.  Promote heavily your fundraising goals and objectives through all forms of communications, specifically between sellers and buyers. A cause with meaningful objectives attracts funding.

Sponsorship signs.  Offer free stickers to your supporting merchants, for display in their store or vehicle windows.

Some Fundraising Events you can organize:

1. Park party.  Host an afternoon park party with food, drinks and lots of games. Include attractions such as face painting, Frisbee toss contests, sack races, juggling, etc. Charge 1-3 dollars per child for admission which includes game tickets.

2. Mystery Easter eggs.  Sell plastic “Mystery Easter eggs” stuffed with candies and coupons on an “Easter bake sale”. Prizes such as Easter basket with toys, a fluffy bunny, large chocolate bunny, as well as other smaller surprises are revealed in the coupons. You can sell each “Mystery egg” for 50 cents to a dollar, depending on the prizes that you offer.

3. Ticket Raffle.  Ask for a donation, such as an airline ticket, a home appliance or art work to be raffled at a cocktail party.  Sell tickets for the raffle and charge admission fee.

4. Fashion Show.  Ask designers and boutiques in your area to participate in a fashion show where they too can profit by promoting their clothes, free! Gather some models, construct a runway, and announce the event. Sell tickets that already include entrance fee and refreshments.

5. Culinary Festival.  Invite different restaurants in your area to rent a booth from you and sell their specialties.  Create a festive atmosphere and sell entrance tickets.
Careful planning and your imagination are main factors in order for your fundraising campaign to succeed. You must have fundraising decisions based on kinds and availability of resources and situation of your organization.  Just remember, success always entails hard work.

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While surfing online, you have no doubt seen the many pop-up ads that advertise ways of starting online businesses. This may get you thinking about online business ideas that may make you a million dollars as well. After all, everyone can agree that a business which allows you to work at home and still make more than enough to support yourself is not a bad idea.

Of course, it is a lot easier to say you like the idea of working online than it is to actually sit down and brainstorm various ideas that can help you achieve your dreams. If you find yourself struggling to come up with online business ideas or even one business idea then you may want to read through the following tips.

First of all, you should target your research on things or niches that you like. You are going to be much more determined and devoted to your online business if it is centered on something you really like. Luckily enough, the internet is a very diverse environment filled with opportunities for people with all types of interests so what may seem impractical in the real world can hold many possibilities online.

Second, you want to do some research and look into niches that have not been fully explored on the Internet. While it is possible to compete with existing businesses it can be much easier to make a profit if you offer the only option online for people to visit. Thus, if you find that some of your online business ideas have already been developed you may want to spend some time thinking about how you can alter your service or product to make it unique to the online world.

Third, now you want to be creative and ingenious with your online business ideas. There is an old adage that says creativity is the cornerstone of invention. Do not be afraid to think ouside of the box when it comes to your potential internet business. In fact, people often flock to ideas online that may seem completely ridiculous when taken out of the online context. If you need any proof of this idea look at the idea behind eBay. Who would have thought a giant yard sale would ever become a multi-million company?

When starting online businesses, your niches to start will not come to you overnight you have to make sure you keep your mind open and your ears sharp. You never know where inspiration will strike so make sure that you are open to its rewards!

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