An Interview With A Former Drug Rehab Counselor

How long did you work within the drug rehab program field?I worked in the drug rehab field for roughly 3 years.What was the most common substance abused by clients coming into the drug rehab program?Alcohol was by far the most common substance abused.As a drug rehab program counselor, what did your duties consist of?I was responsible for running group therapy sessions, meeting with clients 1 on 1, monitoring client’s behavior, as well as logging daily treatment notes for clients.What kinds of things were discussed in the group therapy sessions?Relapse prevention, having fun in sobriety, and drug rehab after care plans.What was the goal of 1 on 1 sessions with the clients?To discover what psychological and emotional issues may have brought on drug and/or alcohol dependence and ultimately what landed them in the drug rehab program.Would you say that most of the people that come to a drug rehab program want to be there?Yes. Some of them are forced to go to the drug rehab program by family and loved ones; however most of them are there on their own accord.What would you say the success rate is of people staying sober after leaving the drug rehab program?Those who actually implement and follow the drug rehab program after care plan will almost all stay sober. The problem is that most of the people do not follow through with the plan after they get out of the drug rehab program.What would you recommend as a tool for success to someone that is thinking about going into a drug rehab program?Keep an open mind and be willing to follow the direction of the Drug rehab program staff.Okay, thank you very much for your time and I’m sure that readers will be interested to hear what you have shared with us.Yes, happy to be of help.

Posted in Uncategorized | Tagged | Comments Off

Business Loans for Small Businesses

Things are going along well for your business. Sales have never been better, debts are being repaid, and cash reserves, though modest, are starting to grow. Then the unthinkable happens; fuel costs go through the roof, the price of supplies skyrockets, and sales are showing signs of a steady decrease. Those modest cash reserves are shrinking up fast, and you don’t know where the money will come from to see your business through this very difficult time. The answer: a business loan.Although the above is one scenario, it is certainly not the only reason to consider a business loan. It could be for funding the startup of a new business, or to finance an expansion project that will help your business to grow or enter into new markets or expand product lines. There are numerous reasons why a business might need additional financing. The issue is, once you determine that you need the money, you need to also figure out where to find the money, and how to best structure the financing.A good place to start is your local bank. If you have an existing history with a bank, they are usually very interested in starting a conversation with you about a business loan. Make an appointment to speak with the business loan manager, and they can very quickly tell you your options are, and what the requirements are to qualify for the amount you need.Be aware that different loan amounts, and different lenders, will require differing amounts and types of financial reports and documentation. For smaller loans it may not require much more than sales figures for the past several months. Larger loans may require a more extensive business plan that will show exactly what the funds will be used for, future revenue projections, and how the business plans to repay the loan.One way to improve your chances of qualifying for a business loan is to go through the Small Business Administration (SBA). The SBA offers guarantees on business loans for qualifying organizations. This lets the lender know that even if your business fails, the government will step in to make sure the loan is repaid. This is a very good option, especially for newer businesses that may have trouble qualifying for a conventional loan.If you do decide to go through the SBA, be prepared to document your businesses financial need. Before they guarantee a loan, the SBA will need to know that you have a solid plan, and there is a reasonable expectation of success before they will back your loan. This usually means a well written, detailed business plan. Once they agree to back your business, it is usually a short process for the bank to have the money form the loan transferred to your businesses account.There are many reasons your business might deed a business loan. Just know that if you find that your business is in that position, there are resources available to help you. The SBA and the banks know that businesses need cash to operate, and they can provide the help you need.

Posted in Uncategorized | Tagged , , | Comments Off

How to Improve Your Chances of Getting Small Business Loans Online

Having a small business can be a great accomplishment for anyone starting out on their own. Depending on what kind of business it is, you may need to have a small business loan. Small business loans can help you to get on your feet when you need additional funds to get your business moving.Nowadays, since we live in a microwave society, small business loans are now available online. It only takes about one to two days to get approved. This process seems to be secure, as long as it’s a reputable loan company. You would need to check it out first to make sure it is what is says it is.You can get a loan starting at the low five figures to the mid six figures. Also, if you qualify, you can get a loan higher than that. The good thing about this is you can spend the money the way you see fit. However, you may want to just stick to what the loan was meant for your small business.There are some things that you need to know about getting small business loans online. These five tips can help you make your chances better of getting this kind of loan for your business.1. You must be stable in your employment and your residence, having been at each at least several (about three) years.2. Your credit should be good enough or beyond to where you can qualify for the loan.3. Your credit report must show that you are financially stable and able to repay the small business loan.4. If you don’t meet any of these criteria, you may need to get a co-signer to help you get the loan.5. You won’t need any collateral in order to get the loan. So you don’t have to concern yourself about someone getting your home or your vehicle.This criterion is important because that is what will be used as the basis of you getting the small business loan. Small business loans are taken seriously, and being able to pay it back is very important. The proof of this will show up on your credit report.Taking a loan out for more than you need may lead to financial disaster. This is especially true for someone that has never had access to that much money before. It’s easy to blow money that’s for something else if you don’t have the discipline to back it up.The best thing to do is to consult with your loan consultant and see what they suggest for you as far as small business loans are concerned. They are knowledgeable about these kinds of loans and can help you get the amount that you need instead of want.However, they have to make sure that you have met the above requirements or lenders will not be too pleased. If they do like what they see, you may be fortunate to get same day approval and the money is yours. Having money to finance your small business can be a dream come true for you

Posted in Uncategorized | Tagged | Comments Off