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18" AMERICAN GIRL DOLL CLOTHES Simplicity Sewing Pattern 8282 NEW Uncut
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Aprons New Simplicity 3949 Pattern Teri's Sizes Misses10-20 Child 3-8
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Simplicity Sewing Patterns Misses' Vintage Retro Clothing 1950s Dress Bra Top
Simplicity Sewing Patterns Misses' Vintage Retro Clothing 1950s Dress Bra Top
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18" DOLL NEW Simplicity 1484 Pattern Summer Clothes Morin Fits American Girl
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Simplicity Sewing Pattern Costume Renaissance Fest Gown Dress Elves Wizard
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Barbie Doll New Simplicity 4719 Pattern Wedding Dress Gown Skirt Tops Pants
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Simplicity Pattern 8270 Toddlers' Knit Sportswear from Ruby Jean's Closet
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DRESS * BONNET Simplicity Pattern 2392 NEW Size Infant/Girl XS-L
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SIMPLICITY PATTERN 8480 STAR WARS LADY COSTUME MISSES SIZES 16 18 20 22 24 UNCUT
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Simplicity Sewing Pattern 8411 Women's 14-22 18th Century Costume Bodice Skirt
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Simplicity 1461 Sewing Pattern Tunic Misses 10-18 Woman's 20W-28W Cup B,C,D,DD
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Simplicity Sewing Pattern 1108 Women's XXS-XXL easy-to-sew Kimonos
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Simplicity Pattern 0549 / 8258 - Misses' Dress
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Simplicity 1021 Paper Sewing Pattern EASY Men's Robe Pajamas XS-XL
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WRAP AROUND BEACH COVER-UP*TUNIC*PANTS Simplicity Pattern 1133 NEW Misses 6-18
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Vintage Ruffle Apron New Simplicity 2592 Pattern Sizes 10-20
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SIMPLICITY PATTERN 1305 COSTUMES GIRLS SIZES 3-8 + 18
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Simplicity Sewing Pattern 1383 Window Treatment Valances 36
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Simplicity 8295 Misses' Dress or Tunic   Sewing Pattern
Simplicity 8295 Misses' Dress or Tunic Sewing Pattern
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Simplicity 3823 Misses' Dress with Skirt and Length Variations   Sewing Pattern
Simplicity 3823 Misses' Dress with Skirt and Length Variations Sewing Pattern
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Simplicity Pattern 0520 / 8221 - Misses' Dress
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Simplicity Pattern 1177 ACCESSORIES FOR BABIES diaper bag nursing cover changing
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Simplicity 1086 Pattern 18
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Simplicity Sewing Pattern 8134 Women 14-22 Pants Wrap pants Shorts Wide-leg pant
Simplicity Sewing Pattern 8134 Women 14-22 Pants Wrap pants Shorts Wide-leg pant
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Simplicity Sewing Pattern 3939 Dog Clothes Coats  S M L pet clothing
Simplicity Sewing Pattern 3939 Dog Clothes Coats S M L pet clothing
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SIMPLICITY PATTERN 8404 DISNEY BEAUTY BEAST COSTUME SIZES 6 8 10 12 14  UN-CUT
SIMPLICITY PATTERN 8404 DISNEY BEAUTY BEAST COSTUME SIZES 6 8 10 12 14 UN-CUT
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Simplicity Sewing Pattern 1773 Women's 14-22 Medieval Costume Dress Renaissance
Simplicity Sewing Pattern 1773 Women's 14-22 Medieval Costume Dress Renaissance
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Simplicity 1162 Misses' Blouse with Sleeve, Length and Trim    Sewing Pattern
Simplicity 1162 Misses' Blouse with Sleeve, Length and Trim Sewing Pattern
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5 Vintage Aprons New Simplicity 4282 Pattern Sizes 10-20
5 Vintage Aprons New Simplicity 4282 Pattern Sizes 10-20
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Simplicity 8085 Paper Sewing Pattern 1950's Vintage Retro Style Wrap Dress 6-22
Simplicity 8085 Paper Sewing Pattern 1950's Vintage Retro Style Wrap Dress 6-22
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New Simplicity 8277 Sewing Pattern  Dog Clothes Coats  Hood Hats Hoodie sz S-L
New Simplicity 8277 Sewing Pattern Dog Clothes Coats Hood Hats Hoodie sz S-L
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Simplicity 8231 Sewing Pattern Retro Style Ole' Timey Dress 6-22
Simplicity 8231 Sewing Pattern Retro Style Ole' Timey Dress 6-22
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Simplicity Sewing Pattern 8180 Men's S-XL Boys' S-L Shirt Boxer shorts Tie
Simplicity Sewing Pattern 8180 Men's S-XL Boys' S-L Shirt Boxer shorts Tie
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Purse Tote Bag Handbag & Travel Mat Sewing Pattern 8149 Simplicity NEW #r
Purse Tote Bag Handbag & Travel Mat Sewing Pattern 8149 Simplicity NEW #r
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Babies Romper Dress Hat Size 6 Months Simplicity 7310 Sewing Pattern
Babies Romper Dress Hat Size 6 Months Simplicity 7310 Sewing Pattern
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Simplicity Sewing Pattern Misses' Chic Costume Steampunk Victorian Bustiers
Simplicity Sewing Pattern Misses' Chic Costume Steampunk Victorian Bustiers
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Simplicity Sewing Pattern 8172 Women's XXS-XXL Kimonos - top jacket easy to sew
Simplicity Sewing Pattern 8172 Women's XXS-XXL Kimonos - top jacket easy to sew
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Simplicity Pattern # 1236 Casserole Holiday or Picnic Carriers and More
Simplicity Pattern # 1236 Casserole Holiday or Picnic Carriers and More
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0679 8360 UNCUT Simplicity Sewing Pattern AMERICAN GIRL 18
0679 8360 UNCUT Simplicity Sewing Pattern AMERICAN GIRL 18" Doll Clothes NEW
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Simplicity  Dog Clothes  in 3 Sizes - S-M-L-  Sewing   Pattern  3939
Simplicity Dog Clothes in 3 Sizes - S-M-L- Sewing Pattern 3939
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Simplicity Teddy Bear with Vest Sewing Pattern 2115  New Free shipping!
Simplicity Teddy Bear with Vest Sewing Pattern 2115 New Free shipping!
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Simplicity sewing Pattern #5695 TODDLER GIRLS DRESSES AND HAT  size 2,3,4 BB...
Simplicity sewing Pattern #5695 TODDLER GIRLS DRESSES AND HAT size 2,3,4 BB...
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S3809 Simplicity Sewing Pattern Renaissance Misses Costume Skirt Top Corset Veil
S3809 Simplicity Sewing Pattern Renaissance Misses Costume Skirt Top Corset Veil
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Step By Step Tips On What A Bank May Want From You If You Want To Borrow Money For Your Business

If you need to borrow money, your bank manager and your professional advisers need to understand how you see your business developing. They can then assess the viability of your plans and forecasts and give you advice and practical help. But, first, what does the bank expect from you?

Broadly speaking before meeting your bank manager, you should be asking yourself some key questions:

(a) What type of business do you intend to start – and is it likely to succeed?
(b) Do you have the personalities needed?
(c) Will you need money to establish or expand your business?
(d) Do you need the bank to lend it to you?
(e) If so, how much?
(f) And when?
(g) How will you pay it back?
(h) Do you have any security you could offer the bank?

Your bank manager will expect you to know the answers to these questions on the outset.

Your bank manager will base the decision on whether or not to lend money to your business on his/her assessment of your business plan. Ultimately, the decision has to be a financial one. But if you present your plan on the back of an envelope it may indicate that you have a non business like attitude, which is unlikely to impress your potential customers.

Therefore, try to prepare your business plan in a clear, professional way. Consider typing it, or having it typed, and do not overcrowd the page. Ensure that your headings are clear and that all the figures used add up correctly. Clarity and simplicity are the key words. If your business plan is confusing, it is unlikely to convince your bank manager.

Your manager will also want to assess your personal qualities and your reliability, your capacity to stay in business and fulfill the promise of your business plan.
You need to think carefully about these important questions, as your ability to answer them will determine the manager's response to your approach.

Other considerations

Once you have made your business plan, checking every aspect of your business and deciding whether or not you need help with the finance, you need to consider some other areas, two of which are insurance and taxation.

It is important that you understand the implications of both of these from the beginning, as failure to do so could result in serious repercussions for your business later on.

Insurance

It is very important that you take adequate insurance to protect your business' future. This should include protection against:

(a) The cost of replacing stock and equipment that is lost, stolen or damaged.
(b) To cover your premises against fire, floods etc.
(c) Damages for injury to an employee, customer or third party whilst on your premises.
(d) Any special risks that apply to your type of business.
(e) Loss of life. (What happens to your family in the event of your death)?

Without the right type of insurance the survival of your business could be threatened.

Taxation

It is very important to you to make sure that you pay no more tax than you are obliged to pay, although you are of course obliged to provide accurate tax returns. Poor record keeping and lack of the right advice can lead to pay excess tax.

An unexpected tax bill can kill a small business, so you must be able to anticipate your tax liabilities.

So please read through these important points before you think of applying or speaking with your bank about a business loan. When you have the above points set? Then there is on reason why they will not give you one.Makabongwe Maseko offers advice on the business industry on his weblog "Online Marketing Business Opportunity". To get more information and tips on business matters visit:http://online-marketing-business-opportunity.traders-online.net/

Article Source: http://www.simplysearch4it.com/article/52115.html

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