Banks Have a Lot of Reasons to Reject Your Small Business Loan

For a small business to grow into a big business, it needs a loan unless it has exceptional sales and profit margins. A small business owner has quite a few places where he/she can go with a loan request. Banks seem to be one of their options on most occasions. What these owners might not realize is that banks have recently developed a reputation for rejecting small business loans. It seems that banks are more interested in financing large businesses due to their benefits. A bank can come up with a variety of reasons to reject loan approval for a small business. Some of the common reasons are as under: ZenBusiness review

Reasons for Banks to Reject Your Small Business Loan

Credit History

One of the barriers between you and the business loan is credit history. When you go to a bank, they look at your personal as well as business credit reports. Some people are under the impression that their personal credit does not affect their business loans. But that’s not always the case. A majority of banks look into both the types of credits. One of the aspects of credit that matter a lot to the banks is credit history. The length of your credit history can affect your loan approval negatively or positively.

The more information banks have at hand to assess your business’ creditworthiness, the easier it is for them to forward you the loan. However, if your business is new and your credit history is short, banks will be unwilling to forward you the desired loan.

Risky Business

You must be aware of the term high-risk business. In fact, lending institutions have created an entire industry for high-risk businesses to help them with loans, credit card payments, etc. A bank can look at a lot of factors to evaluate your business as a high-risk business. Perhaps you belong to an industry that is high-risk per se. Examples of such businesses are companies selling marijuana-based products, online gambling platforms, and casinos, dating services, blockchain-based services, etc. It is imperative to understand that your business’ activities can also make it a high-risk business.

For example, your business might not be a high-risk business per se, but perhaps you have received too many charge-backs on your shipped orders from your customers. In that case, the bank will see you as a risky investment and might eventually reject your loan application.

Cash Flow

As stated earlier, your credit history matters a lot when a bank is to approve your loan request. While having a short credit history increases your chances of rejection, a long credit history isn’t always a savior too. Any financial incidents on your credit history that do not favor your business can force the bank to reject your application. One of the most important considerations is the cash flow of your business. When you have cash flow issues, you are at risk of receiving a “no” from the bank for your loan.

Your cash flow is a measure for the bank to know how easily you return the loan. If you are tight on cash flow, how will you manage the repayments? However, cash flow is one of the controllable factors for you. Find ways to increase your revenues and lower your expenses. Once you have the right balance, you can approach the bank for a loan.

The Debt

A mistake that small business owners often make is trying out too many places for loans. They will avoid going to the bank first but get loans from several other sources in the meantime. Once you have obtained your business funding from other sources, it makes sense to return it in time. Approaching the bank when you already have a lot of debt to pay is not advisable at all. Do keep in mind that the debt you or your business owes affects your credit score as well. In short, the bank does not even have to investigate to know your debt. An overview of your credit report can tell the story.

The Preparation

Sometimes, your business is doing fine, and your credit score is in good shape as well. However, what’s missing is a solid business plan and proper preparation for loan approval. If you haven’t already figured out, banks require you to present a lot of documents with your loan approval request. Here are only some of the documents you will have to present to the bank to get approval for your loan.

  • Income tax returns
  • Existing loan documents
  • Personal financial documents
  • Affiliations and ownership
  • Business lease documents
  • Financial statements of the business

You have to be exceptionally careful when these documents and presenting them to the bank. Any discrepancies can result in loan rejection.

Concentration of Customers

This one might come as a surprise to some, but a lot of banks consider this aspect of your business seriously. You must not forget that loans are banks’ investments. Businesses that approach the banks are their vehicles to multiply their money in the form of interest. If the bank senses that your business does not have the potential to expand, it can reject your loan request. Think of a mom and pop shop in a small town with a small population. If it only serves the people of that town and has no potential to grow further, a rejection is imminent.

In this particular case, even if the business has considerable profit margins, it relies on its regular customers for that. The bank might see it as a returnable loan but not as an investment opportunity.

Instead of Getting Angry, Learn to Write a Complaint Letter in Business Format

As a former franchisor I can tell you this; I love franchising, and I love everything about it. I do believe with all my heart that it is the greatest business model ever created in the history of mankind. And I can show you examples of this near and far, as proof. Not to mention the fact that I enjoyed my time franchising my company around the country and into international markets. Now then, can franchising continue to be the greatest business format in human history? I believe so, with a caveat, and if you have a few moments I’d like to explain this to you. visit this Incfile review

You see, one thing that had always bothered me was the burdensome regulations in the franchising sector. They were completely unwarranted, and from an entrepreneur’s standpoint outrageously unacceptable. It seems absolutely insane to have such onerous regulations and the requirement of over 300 pages of disclosure documents before you sold a franchise to a new franchisee when in fact there is very little fraud in franchising. After all, why would a franchisor wish to induce a buyer to buy their franchise just to make money in the near term, when they’d have to do business with that individual for that duration in term of that franchise?

It seems to me that regulators don’t understand this principle, that is to say that franchising is a win-win situation. Those franchisors who use fraudulent sales tactics don’t last for a long, and they are generally sued into oblivion, we hardly need the hard-core overregulation that exists in the industry today. Now then, it would be different with business opportunities where a business model and format is sold to an individual, and once the business opportunity company has sold the business, they walk away never to talk to the individual again.

In that case they would have an incentive to overhype their business model, and perhaps that’s why there is more fraud in the business opportunity sector than in the franchise opportunity sector. One thing that equally bothers me now in 2011, nearly a decade after I had franchised my company is that on one hand we claim we want jobs for Americans, but we make it almost impossible for companies to grow big and strong and franchise their operations. A new franchised outlet could hire as many as 10 to 20 people.

Therefore, the more franchises which are established, sold, and started the more people will have jobs in our workforce. And yet, we go right along over regulating the sector and losing out on all those future jobs. It just makes absolutely no sense to me, and I have study this industry for about 35 years now. Indeed I hope you will please consider all this and think on it.

LLC Mistakes – How to Avoid Them

As an attorney concentrating in business organization, I take a central role advising my business clients on the appropriate entity to form. Most of my clients approach me already LLC services armed with the knowledge that an organized business entity will generally shield them from personal liability for the acts or omissions of the business. However, relations between multiple owners, tax considerations and treatment of assets are just a few of the factors that will dictate which choice of entity is truly suitable for your business. By and large, there is no uniform “right” choice. A careful review of the details, strategies and goals of each business needs to be made before the proper entity is chosen.

Corporations and limited liability companies (LLC’s) are the most commonly utilized business entities. Since most small to medium sized businesses are better structured as either a corporation or LLC, this article highlights some basic similarities and differences between these entities. I have attempted to provide an overview of these key elements below. But, keep in mind that the information below, by itself, will not allow you to make a proper, informed choice of entity. This should always be done with the coordinated assistance of your attorney and accountant.

C corporation

Most large companies are C corporations. All publicly traded corporations are C corporations. The “C” designation comes from Subchapter C of the Internal Revenue Code, which governs corporate taxation. There are a variety of reasons C corporations are more aptly suited to large businesses. Multiple classes of stock, unlimited number of and types of shareholders, a fiscal year vs. calendar tax year and retention of corporate earnings are just a few of the key differences of a C corporation. Generally, this structure is desirable for businesses who seek to raise capital publicly or whose class of investors vary.

Most importantly, C corporations are subject to double taxation. This means that all of the income of the C corporation is taxed once at the corporate level, then those same revenues are taxed again at the shareholder level when profits are distributed via dividends. In smaller C corporations, the double tax can sometimes be avoided by eliminating net income each year by making payments to shareholder-employees. Shareholders must report any dividend earnings as capital gains on their personal tax returns.

A corporation starts out as a C corporation for tax purposes. All corporations are automatically recognized as C corporations, unless the shareholder’s elect “S” corporation tax treatment, which is discussed below. The taxable income of the C corporations (after deductions for salary, business expenses and depreciation on furniture and equipment) is taxable to the corporation itself. The C corporation would only be taxed on income “effectively connected with the United States”, beginning at a corporate tax rate of 15% for the first $50,000 of corporate taxable income each year.

If the corporation is classified as a “personal service corporation”, (PSC), is will pay a 35% flat rate from dollar one of net profit. This is a generally undesirable entity type. PSCs are C corporations whose shareholders are engaged in the performance of personal services in the fields of accounting, actuarial science, architecture, consulting, engineering, health and veterinary services, law, and the performing arts. The lowest 15% tax rate is only available to a corporation rendering personal services if a person who is not employed by the corporation owns at least 6% of the issued stock of the corporation. Otherwise the top personal tax rate would apply to the taxable income from personal services in that corporation. A PSC is a C corporation by definition. Thus, a timely made S-election, as discussed below, would negate classification of your corporation as a PSC and avoid the 35% flat tax rate.

There are some unique tax advantages gained with the use of the C corporation. Some of the key advantages most beneficial to small businesses are the ability to deduct all of the premiums paid on health insurance for owners who are employed, along with their spouses and dependents. In addition, a C corporation may adopt a MERP (Medical, Dental and Drug Expense Reimbursement Plan) at any time during a fiscal year, which can be made effective retroactive to the beginning of the fiscal year and can purchase disability insurance for one or more of its executives or other employees. A C corporation can also deduct the premiums of disability insurance without the cost being taxable to the executive or employee. Finally, a C corporation can deduct contributions to qualified retirement plans.

Fast Poker link alternatif poker Online far better encounter

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Discover How a Quick Weight Loss Can Be a Healthy Weight Loss – Phase III

Several health professionals have discovered a relationship between weight gain and toxin overload. The reason is because a significant build up of toxin in the body prevents the proper functioning of the liver to eliminate toxins and metabolize fats. When the body’s liver is not working properly, the other systems like digestive and cardiovascular system are also badly affected. Because of this malfunction, the body will not be able to take in the harmful toxins and these toxins accumulate in our body resulting in weight gain. To prevent this from happening, people are advised to go on a colon cleanse or detox diet.

A colon cleanse is applied to help remove excessive, accumulated waste stored in body fat cells or waste such as undigested meals or other substances left in the digestive tract. Taking laxatives, forcing to remove waste in an unnatural approach, or improper colon cleansing methods will make you ill and will not help you cleanse or remove excess pounds. Colon cleansing includes a healthy diet plan that consists of fresh fruits, whole grains, natural proteins (lean meats, poultry, eggs, beans, seeds, nuts, sprouts), and legumes. resurge reviews

On the other hand, a detox diet helps remove these toxins through urine or waste. There are different detox diet programs and some of these include taking detox supplements for weight loss. Doing exercises to sweat out is also recommended since toxins are also released by way of perspiration.

A big question that people ask is whether detox weight loss supplements work or not. Detox weight loss supplements contain antioxidants and other active ingredients that work more than to help you to lose weight, but also boost your metabolism and improve your immune system for you to stay healthy. These detox supplements for weight loss make you feel more energized and healthier by removing the toxins from your body and improve the health of your digestive system. This is a huge factor in losing weight because it helps you absorb more nutrients from your foods and makes you feel fuller thus suppressing your cravings to eat more.

Your weight loss goals will determine the effectiveness of several detox weight loss supplements. Oftentimes, the main reason why people use a detox or colon-cleanse is to lose weight and improve the digestive system’s functions. If losing weight is your main goal, you should choose the detox pill you are going to take very carefully. Most of these detox weight loss supplements claim to help you lose weight, but usually they are referring to water weight which oftentimes comes back quickly.

For you to lose weight and keep it off, you need to know several common ingredients among detox pills and metabolism boosters. Choosing a product that contains ingredients that work as diuretics can effectively help remove toxins out of the body but fail to reduce some excess body weight. So look for a detox diet pill that offers more than the average product. Find a product that has some good ingredients like ChromeMate, Phase 2, Super CitriMax, Forslean, and Fucoxanthin to eliminate toxins from your system and helps reduce weight.
Check out the amounts of each ingredient contained in detox weight loss supplements to be sure you are getting what you need for the product to be effective in your weight loss goal. Several of these detox pills contain patented ingredients which are clinically proven to be effective but if they are not in the right amounts you will not get the results you expect when it comes to weight loss.

There are generally 3 key ingredients in detox weight loss supplements and they are:

  1. Fiber – This ingredient plays an important role in eliminating toxins from the body. When dissolved in water, soluble fiber becomes a thick gel that infuses toxins and attaches them to fatty acids, which are later on eliminated during digestion. Fiber which cannot be digested or insoluble fiber improves bowel movements by accelerating the removal of toxins from the body.
  2. Vitamin C – also known as ascorbic acid, vitamin C have detoxifying benefits by thinning and decongesting the bile, improving the liver’s capability of breaking down fats. Vitamin C can also help suppress appetite and boosts the production of glutathione, which is the vital ingredient needed by the liver for its detoxification function. Studies have shown that Vitamin C deficiency is one of the factors that cause people to gain abdominal fat.
  3. Probiotics – these are good bacteria found in the digestive tract that helps in breaking down toxins. These good bacteria, however, can be diminished by the different foods and chemicals that the body takes in. There are probiotic pills and supplements that you can take to maintain a balance of good and bad bacteria inside your body and which can also be very helpful in losing weight.

Advantages of Detox Weight Loss Supplements

Weight loss is just one of the many benefits of taking detox diet supplements or pills. Detox pills help you get slimmer since there is a considerable reduction in water weight. It improves the functioning of the digestive system and the liver, helping you get more nutrients from the foods you eat. There is also noticeable acne reduction and surface wrinkles removal. Above all these benefits, your health will greatly improve while you still lose weight.

Disadvantages of Detox Weight Loss Supplements

  1. Detox diet program is not recommended for pregnant women and to people who have been diagnosed with cancer or other health issues.
  2. A number of detox weight loss supplements may cause unpleasant side effects associated with cleansing. These side effects are only temporary signs that the cleansing process is effectively working and toxins are being removed from your system.
  3. Fiber supplements might interfere with other medications such as aspirins and can also lower blood sugar levels. High dosage of vitamin C and probiotics, on the other hand, might trigger upset stomach or gas and diarrhea.

Cut costs With Auto Body Repairs

https://boutiqueautobody.com.au/smash-repairs-essendon know that zero occurs free in lifestyle. However just about everyone has learned of which we can find great deals and still get the great outcome with these great deals. As our own economy keeps becoming worse we are looking intended for ways to save money. There are many drivers in the highway today that have automotive body repairs on their cars. However credited to that saving money deal most are putting the repairs to the section. This is not a good good choice since that will will normally lead for you to more money out of wallet in the long run. Also many folks have no clue about auto human body vehicle repairs only replacements. Come across out how it can save you income with a few auto human body repairs!

Many individuals today believe that automotive body replacements is definitely the only method to repairs auto human body damages or maybe several may feel that only auto body alternative will generate quality results for auto body damages. However substitutions are definitely not the just way as well as the ideal way to go having auto system repairs. Many auto body substitutions cost a lot of dollars and have a lot connected with time. You will be charged not only with regard to the parts that happen to be pricey, but for the labor per hour it requires them to complete, plus any other materials they may be using to complete this job. This wine racks right up a very large expenses for you to spend. So the substitute for this is getting auto physique repairs, this can preserve you the great offer of time and money.

Auto body repairs are usually performed while using existing automobiles parts or even panels. Consequently that is previously a big chuck of transformation saved out of your own personal pocket. Automotive reconditioning specialists are very proficient together with know what techniques are best for repairing your vehicle. Being that they are skillfully trained and do not really have to hold out for any areas for you to come in they can likewise complete the get the job done in less time. This truly repair process will be typically less time invested than replacement. Less moment means less money you pay. Believe it or not necessarily auto body repairs can certainly come out searching merely as good as substitutions. Think of it this kind of way, any individual can purchase a new computer, nevertheless it takes a skilled together with qualified person to be able to call and make an old computer better when compared to the way fresh.

Some auto entire body repairs that you can easily save money with contain paintless dent repair, fender repair, paint touch up, auto glass repair, wheel casing fix, headlight recovery and even much more. To relax and play locate a qualified auto human body specialist or reconditioning specialist in your area in order to repair all of the motor vehicles auto body injury. Many vehicle body shops will happily shop you examples of his or her work consequently you can see if easier going with satisfied with the particular results they can give you. Also most shops will give you a free estimate on the vehicle body repairs therefore you understand what to count on as far as dollars goes. Remember nothing is usually no cost but you can still find money saving deals, perhaps for auto body fixes!

Guide to Car Rental Companies in Costa Rica 2015

Guide to Car Rental Companies in Costa Rica

Rate Comparisons for 2015

Car rental in Costa Rica is an opportunity to explore the remote beaches and quiet corners of this breathtakingly beautiful country. Travel without the restrictions set by public transport timetables and with freedom over group tours. For the unprepared traveler; however, car rental costs and services can be a rude shock and a blow to that vacation budget. car lease dubai

Renting a vehicle for your vacation will probably be the most expensive part of your budget, so understanding the terms and managing expectations is very important. The information below is not meant to be an exhaustive manual, but it should set you on the path towards an informed decision for your car rental needs in Costa Rica.

Why is car rental so expensive?

Visitors from outside of Costa Rica are often surprised by the cost of car rental. While hotel rooms, restaurant bills and tours are lower than the prices paid at home, it may appear strange that car rental should be more costly.

There are two simple reasons for this high cost:

  1. All vehicles in Costa Rica are imported and a tax is imposed. Due to this heavy taxation, the cost of purchasing a vehicle is higher than it would be in other industrialized countries. There are some car rental operators who rent older vehicles in order to reduce their costs.
  2. The cost of mandatory insurance (see below).

Factors that Affect Car Rental Costs

• Mandatory Insurance

Third-party insurance, which may be known as TPI, PDW (Partial Damage Waiver), SLI (Supplementary Liability Insurance) and other acronyms, is a legal requirement. Car rental operators must charge the customer for this coverage which may or may not be clear in the quotation received by the customer.

The insurance itself is not the issue. After all, many other countries require car renters to pay a mandatory insurance; including: New Zealand, Italy and Mexico, as well as a number of the U.S. states, like California. The issue that causes contention in Costa Rica is that this cost is not always displayed clearly on the car rental operator’s website or in a quote. Customers then discover the additional cost of their rental upon arrival.

The cost of mandatory insurance varies from company to company and will depend on the car category that is being rented as well. The cost for a small sedan may be as little as $12 per day, whereas a premium 4×4 vehicle could be as much as $25 for insurance per day. This is in addition to the rental cost.

Credit cards in North America usually offer car insurance as an additional perk to the credit card holder and so North Americans in particular, are unused to having to pay for insurance on top of rental costs. However, no credit card will cover this insurance requirement.

Do ask if the given quote includes third-party insurance and check the prices on the car rental operator’s website.

• Collision Damage Waiver

This is not insurance, but a waiver. The basic level will come with a deductible that varies, but could be as much as $1,500. For a higher daily rate, a zero deductible CDW may be purchased to relieve the renter of any financial responsibility in case of damage to, or theft thereof, the vehicle.

Money Management Tips To Use When Betting On Sports

When betting on sports, it may come as no surprise for you to know that hundreds of bettors lose their bets. Well, losing at sports betting is just normal. But have you ever wondered why so many people lose at betting on sports despite the fact that sports betting provides them better chances of winning? 메이저놀이터

Some say that it is because of poor handicapping. But while this can be true, for me it is not the exact reason that bettors lose as there are hundreds of folks that are expert handicappers who still lose their shirts year in and year out. The truth of the matter is, people lose at betting on sports because of poor money management skills.

People with poor money management skills are usually uninformed. However, this is not often the case as others manage their money poorly because they are undisciplined. No matter what the case may be, people who lose at betting on sports are both uninformed and undisciplined.

So if you are serious about success in betting on sports, then I guess it is very crucial for you to make plan and remain disciplined. As what most of the money management experts often say, it is best to set up your own goals, your strategy for winning at betting on sports, and of course some betting rules that you will always keep in mind during your sports betting.

When I say setting up of your goals, what I mean is thinking first from what you want from a certain sportsbook. Always remember that when betting on sports, one should bet only with money that he or she can afford to lose. To put it simply, never bet with the rent money for this can only bring you lots of problems in the end.

As soon as you have set up your betting goals, you should then start defining the betting strategies you might take. One particular winning strategy that I am familiar about is the so-called betting on singles only. According to some expert bettors and handicappers, it is very important that when betting on sports you avoid accumulators.

Perhaps one main support for this is the fact that your possibilities for winning at sports betting are decreasing with every game added in accumulator. So at the beginning of the game or the betting season, try to set up your usual betting amount and only bet most of your singles. Then, when you find yourself winning at a particular betting season, do not increase stakes. This is also true when you are in losing streak.

Finally, betting on sports needs a time for little rest. So if you find yourself on a losing streak when betting on sports and it seems that you cannot win, maybe it’s time for you to take a little rest. Consider not betting for a week or two. This will help you obtain a better view of things. Also, know that in sports betting not all seasons are in your favor. You should know that most punters increase their bets every time they lose a couple of bets because they think that they can’t miss all the time. The truth of the matter is, that is not a truth for all times. The point is, don’t be greedy.

Limited Liability Company (LLC) – Definition and Explanation

Creating a business today involves many decisions. A really big one faced by business owners is what type of company structure is in the best interest of all aspects, from owners to consumers. Businesses can be set up as a corporation, partnership, or any one of many other styles. One choice that may be of benefit to look at is the limited liability company. This type of structure can be an ideal method for setting up a new small business. A limited liability company provides protection to everyone involved. how to form an LLC in California

The limited liability company, also known as LLC, is an ownership structure which combines some of the best features of a corporation with the benefits of a partnership. Ownership is set up and spread out to an unlimited number of members. These members can be people, corporations, or even other LLCs. While operating in ways similar to a partnership, the LLC is not considered one. Membership changes the way taxes are handled, as well as the organization and liability of the members is taken care of. There are both advantages and disadvantages in forming an LLC.

Deciding to establish as a limited liability company has some distinct advantages. The most obvious is the fact that there is limited liability. This means that the owners of the company aren’t held liable for the debts incurred by the company. LLCs also have more flexibility when it comes to profit distribution than partnerships. There is no set way to distribute the profits, unlike partnerships where the division is generally 50/50. Corporation structures are required by definition to keep minutes and record resolutions of all of their meetings. LLCs do not have these requirements, so the management levels are much easier to maintain.

There are also disadvantages to forming a limited liability company. Because they are structured on a membership system, if a member dies, or has to file bankruptcy, the entire LLC has to be dissolved. This can make the life of the company very limited. An LLC also can not sell shares of the company publicly. It also means that employees can not be issued stock as an incentive like profit sharing. There is also more paperwork involved in the running of an LLC; much more than in other business structures such as corporations and partnerships.

Setting up a limited liability company can be simpler than other forms of business structures. There are ultimately only 2 main things that have to be established. The first is the articles of organization. This is a listing of who is a member of the LLC, and what their main role is. This is then filed with the Secretary of State. The other major step is to create an operating agreement. An operating agreement is a way to set forth the way profits are distributed, responsibilities of the members, and the system used for changing ownership. This ease of setup is part of what has made using a limited liability company so attractive in today’s economy.

Tips to Win The Lottery Fast and Big

You may be surprised to hear this, but seriously, winning the lottery is not difficult at all – provided you know what can go wrong and what to do.

If you want to get the best result from your lottery games, keep in mind the following strategic tips whenever you play a lottery. That will certainly help to enhance your winning chances tremendously.

First, what if you have played many games but have won anything? There are many causes contributing to this. One possible reason is because you have played too many different lottery games with too few numbers in each of them. The thing is, you could not play 5 different lottery games every week with very few tickets in each of those games, and hope to get a quick result from the games. You have to focus on your lottery strategy and concentrate on one game at a time. Jio Lottery winner

Second, you must buy more tickets and play more games. Remember, winning lottery is a number game. The more lottery ticket you buy, the higher chances it is for you to win the lottery. The more often you play the lottery games, the better you become and thus, you stand a greater chance to win at a shorter time. How if you could not afford to buy many tickets at one time? In that case, the expert’s advice is save your money and buy more tickets in one game when you can afford to. The key is, you must be willing and prepared to spend on more tickets. That is the best way to win the lottery game.

Third, feel like giving up because you did not win the lottery within a week’s time? No!! You must not give up so easily! Persistence is very important for one to succeed in life. Similarly, it is a must if you want to win the lottery. So, do not give up. Instead, persist until you get a positive result and win.

Fourth, do not dependent on the quick tickets picked by the lottery store. Information, tips and guidance to win the lottery is abundant on the internet. Read and equip yourself with the necessary knowledge. There is really no need to play the lottery game in the dark and trying to win the lottery from there.

Fifth, have goals and reasons for you to win the lottery. More often than not, money is not the real reason one wants to win the lottery. It is what the money can bring to him/her that makes someone to want to win. For example, some may want to use the money from the win to provide for his/her loved ones. Some may need the money to get married and have a wedding. The reasons may be varied and whatever your reason is, find out yours. Then work out a plan to move towards the goals. That will keep you enthusiastic and excited towards your goal.