Simply Junior

There is a lot of misconception about small business administration loans, and what they are meant to do. Once you read this article, you will understand what it takes to get this loan, as well as some sample reasons as to why.

This is a type of loan that is usually given out to already established businesses. They want to either expand, or need to do a total office upgrade.

Of course, this doesn’t have to be the reason, but they are the most common ones.

For some reason most people think this is the type of loan you would get BEFORE you start up your small business. However, they are quite mistaken.

This loan does not need a business plan, just a general outline of the last 2 years revenue, and profit. This should be pretty easy to do as long as you kept good records, and being in business, you should have at least had an accountant.

If you have not been in business for at least 2 years, with a good revenue flow, then it will be very difficult to get this type of loan, and you might be looking at getting a personal one instead.

The reason they look at your business and not you, is because the business is the entity requesting the money, so they have to base their answer on repay ability within the business it self. This would be like if you went and got a personal loan. They would look at your employment history, and make sure you make enough money to repay the loan.

Now that you have a better grasp on the truth around a small business administration loan, you will know if you qualify to even apply for this type of loan. Have you been in business for at least 2 years? And have a good revenue flow with good profit margins? If this sounds like your business, then you have the battle half way won already.

When a co-worker retires, it is indeed a special occasion. It is the grand finale of a career.
It is ironically a happy and a sad time. No doubt, the organization will miss the retiree, and the retiree will miss the organization. Customarily, a retirement party is given in honor of the individual who is retiring. Someone from the organization or the industry gets the lucky job of giving a speech for the retiree.

Let’s say it is You! But what do you say? How do you say it? How long do you say it?
First find out how many people will attend. Next, find out who the people are. For example, are they co-workers, or are they clients? It is an unwritten rule (up until now) that retirement speeches are somewhat humorous and lighthearted, but respectful. It is after all, a fine day for the retiree. One they will never forget!

Below are two retirement speech examples. The first one is a sample speech, and the second one is a general outline. This outline could be adapted to fit almost any retirement occasion.

Retirement speech example:

Good afternoon members of the GREAT Industry and welcomed guests. I have been honored to speak on behalf of my dear friend and colleague, Mrs. Boss.

My first memory of Ms. Boss, was some 40 years ago, when she resembled Mary Tyler Moore, and her vision to become a voice for USA residents. And I remember thinking, she’s going to take this town!

When Ms. Boss and myself entered in this business, all those years ago, the GREAT Industry was a completely different world, with a certain stigma. Our products were, in the beginning, quite small and quite common.

In 19XX, Ms. Boss was instrumental in the approval of the mass production, which is commonplace today.

She has had an impact at the State and National level in order to provide a cost-effective production solution for our customers. In fact, she has lobbied for more rigid production standards and licensing requirements, which have allowed our products to become superior.

This is a significant achievement, which allows our products to provide our customers with quality. Which meet or exceed the expectations of State and National goals.

Which means that we have in the excess of 20,000 happy customers.

Use this guide to prepare your own custom speech:

Retirement speech example outline :

1. I remember…think of how the industry was at the beginning of the retiree’s career.

2. Mention Colleagues, other industry members that have had an impact on the industry or organization.

3. Mention major Milestones in the industry or organization.

4. I remember…try to describe an amusing story about the retiree.

5. Look to the future direction of the industry or organization. What will the next generation move toward?

6. What core values have been important to the industry or organization. How have they changed and how have they remained the same?