Month: July 2019

Kiran Morgan News

Where to Find Capital For Your Business

When trying to grow a business, one of the biggest challenges is finding enough capital to allow you to make the spends that need to be made.

Growing a business isn’t cheap. You need to invest in marketing, infrastructure, skilled employees and inventory.

So where do you turn when it’s time to raise capital for your business? You have several options. Some are better than others.

Let’s take a look.

1. Friends and Family

This is one of the quickest ways to find capital for your business — especially if you have friends or family with excess wealth that truly believe in what your business is doing.

Consider offering a percentage of your business to someone in your circle who’s willing to invest in it.

On the positive side of this option is that you can get money fast without a lot of hassle.

On the negative side is that often, this type of investor will want more control of your business than you are comfortable with. They may want to get involved in the day-to-day operations to the point where it overpowers your decision-making ability.

Ultimately, this partnership can kill good personal relationships.

2. Local Banks and Credit Unions

Instead of an investment, you might want to find a working capital loan. Your first thought is probably to look into local banks or credit unions.

While this is certainly a viable option, it may not be the best. Local banks and credit unions give loans for everything from cars and homes, to appliances and swimming pools. Most aren’t experts in business capital loans and probably won’t take the time to learn the details of what your business does and how the capital they loan will be applied toward your growth.

What’s more, it will be hard to get approval. People come up with new business ideas every day. Local banks are inundated with people looking for money to launch their ideas. Their default response will be “no” unless you give them a really solid reason to say “yes.”

Plus, the burden of credit-worthiness will be very high. This probably isn’t your best option.

3. Business Capital Lenders

This leads us to the solution that makes the most sense. Find a lender that specializes in business capital loans and nothing else. When trying to find a working capital loan, it’s by far the best way to go.

A service … Read the rest

Kiran Morgan Blog

The Cremation Process

Choosing how to honor your passed loved ones is often a big decision to make, and rightfully so. You likely want to ensure that the deceased friend or family member will receive great care and consideration, whether buried or cremated. This article will explore the service of cremation in particular, and the process of choosing the right service for you and your family. In reality, not many people know the vast options and many details of the cremation process. Below is some key information to understand and consider when deciding which cremation service best suits your needs. 

Services

Most cremation companies provide different services when it comes to packages and pricing, there are not a universal set of options. When deciding, make sure you thoroughly understand the price and services each specific crematory location will charge. The cremation service should clearly list their pricing, so steer clear of deceiving or ambiguous estimates. However, no need to worry, there are plenty of reputable and crematories such as the California Cremation Centers. Do not be afraid to do your research and scan testimonials online for potential companies. Another common stumbling block is the cost of cremation. While you still have to make sure they are an honest business, there are indeed plenty of affordable crematories for families who cannot pay for expensive services. Selecting a well-known and trustworthy crematory will help to ease your mind in a likely already stressful period of life. 

Facilities and Care

Another important aspect to consider in the cremation process is how will your loved one be cared for during the cremation process. Ask if the funeral home you have made arrangements at has their own crematory, or if they outsource their cremations to a third party. In the case of outsourcing, ensure you know how and when the body will be transferred to and from the crematory. It may sound frivolous, but you are more than welcome to ask the provider how they will identify and ensure the correct remains of your loved one is returned. During the process, you will have to decide what to do with your family member’s remains after cremation. Many crematories and funeral homes have areas where you can browse and select keepsakes, urns, or however you would like to carry the ashes. 

While the cremation process can seem relatively straightforward, there are actually many details and tips to ensure your … Read the rest

Kiran Morgan News

Want To Make Your Liquid Mattes Last?

Is your liquid matte lipstick smudging all over your face or fading too soon? We’re here to save you with a list of steps you can take to make your lips shine beautifully all day long. 

Clean Your Lips Up

Throughout your day, you’ve probably built up a lot of dead skin and other unsightly things on your natural lips. If you want your matte lipstick to stay on longer, you’ll want to get rid of all of that. 

Now, you don’t have to do anything crazy like taking sandpaper to your delicate smackers. Just use whatever lip-exfoliation products you have laying around. This will open up your skin, and it’ll get rid of all the nasty stuff. 

Use Balm

Lip balm will help your favorite shade of matte lipstick stick around for a while, but you have to use a smaller amount than you normally would. 

You don’t need any fancy balms. Just whip out whatever your favorite brand is, and apply a very thin layer. If you smear it all over, you’ll make your lipstick wear off a lot faster. It’ll build up too thick of a coating for the lipstick to hold onto your skin. 

You also want to let it fully dry. The goal is to create a nice layer for the lipstick to hold onto. You don’t just want to smear wet balm into your lipstick and guess what color it turns into. 

Prime Them Suckers

A good primer will do wonders for you. So, try to find the best lip primer you can afford, and use it every time you go to apply liquid lipstick. 

It’s important to focus on the edges of your lips when you’re putting your primer on. it’ll keep the liquid lipstick from smearing and making you look like a clown before it dries. Try to apply it somewhat liberally around the edges, and pick one that won’t clash with your liquid matte lipstick.

Rock Your Favorite Shade

Once you’ve primed your lips, it’s time to actually put your lipstick on. Liquid mattes are going to go on smoothly and dry to a flat matte color. If you’re reading this post, we’re willing to bet that you don’t need us to hold your hand through this step. 

Touch It Up A Bit

You can’t just slap your lipstick on and expect it to look ravishing. You have to spend some … Read the rest