During my career I have worked with young children, teenagers, and adult groups from a wide variety of backgrounds, and what has struck me most is how people blossom and thrive when they have the opportunity to see themselves as creative thinkers.
Those of you who are parents will recognise how creative your children are at a young age, and how this creativity tends to wane as they grow older. It is a well known fact that children begin to lose their creative spark as they gain self-discipline, learn language, accept their parent's and teacher's discipline, and adhere to society's rules.
Some years ago, Kobus Neethling, director of the South African Creativity Foundation, carried out a study in 15 countries. The purpose of the study was to determine what happens to our creative behaviour as we move from childhood to adulthood. The results were astonishing. 98% of children between the ages of 3 ? 5 behave creatively. By the time they reach the age of 10, only 32% are behaving creatively. By the time they reach 16, 10% are demonstrating creative behaviour, and by the time they reach 25 it is down to 2%. www.creativethinkingnetwork.com has a section dedicated to Creative Thinking for Parents and Kids.
Why is creative behaviour, and by implication creative thinking, important?
Today's children are growing up in a world which is changing more rapidly than ever before, and in many ways it is a more dangerous world. Religion is no longer as powerful a resource as it was for our predecessors, and we live, by and large in a materialistic and consumerist society. The result is that children today are not always anchored by the same kinds of values that many of us adults grew up with. We see rising rates of depression, a very high rate of suicides, more eating disorders, alcohol and drug abuse and lower self-esteem amongs our younger population. This is why it is more important than ever to find ways to enable our children to create productive and fulfilled lives, ways to help them organize ideas and the expression of ideas, ways to help them believe that their creativity can open opportunities and overcome obstacles in their lives.
The rewards are great for those who dare. You as parents have the utmost power to enable your children through the development of their senses, skills, resources, thinking ability and individuality. Helping your children to believe in their creative ability is equal to raising their self-esteem by giving them the tools to solve problems, make decisions and meet life's challenges effectively. Those of you with young children should see yourselves as caretakers of a precious commodity, a gift that your children are born with, and one that will produce wonderful rewards if nurtured and developed.
Think Outside Stowaway Universal
Now this was not said in a way to imply that one shouldn't seek financing from a local financial institution. However, I must stress that most local banks usually want a business loan to be collateralized with personal assets such as a home or land. If know this from experience.
It's very important for business owners to understand that you must take a proactive attitude about developing banking relationships in today's financial community. One very good reason for this is that it is much easier to obtain small business financing than compared to personal loans.
Then you have to carefully consider the type of business funding you will attempt to attract. For example, getting unsecured business credit lines would be ideal for your business now and into the future. The biggest advantage to this type of loan is no personal credit or collateral is required.
It is vitally important to remind business owners to consider the need to protect your personal assets and your ability to minimize frivilous lawsuits that could wipe you out financially in the blink of an eye.
An experienced small business consultant can be of tremendous help in establishing your corporate identity and unsecured credit lines which in turn will free your time in dealing with more important day-to-day operations.
Here is a brief summary of important areas to re-consider now that can undoubtedly have a huge favorable impact in your company's financial outlook.
1. Limited-Liability Corporation (LLC) - If you do not currently have a LLC entity set up, I would strongly encourage you to do so. Although not an attorney, I have personally witnessed personal assets frozen and seized when business owners are faced with litigation. Due to endless research, I ahve come to the conclusion that having a LLC can better protect your assets and estate in the untimely event you are sued.
2. Shelf Corporations or Aged Corporations - These are corporations that have been around for 2 years or longer that are in good standing with your State government. These corporations can dratistically improve your ability to obtain small business loans and unsecured credit lines since many banks will not consider financing to businesses with less than 2 years of existence.
3. Physical Street Address - If you are going to play with the "big boys" you must play like the big boys. You must have a physical street address and not a P.O. Box if you want to establish a solid business credit history. You must also have a phone number that directory assistance can list.
The bottom line is this: You must have your proverbial "ducks in a row" when steering your business down the road of expansion and profitability. Seek expert assistance and then act upon the professional advice given to you. This will make any type of business financing much easier to attain.
Floyd Tapia has sinced written about articles on various topics from Finances, Business Loans and Finances. Floyd Tapia is an expert author, researcher, ex-banker and financial consultant that provides up-to-date advice on how business owners can get unsecured lines of credit and small business finan. Floyd Tapia's top article generates over 5400 views. Bookmark Floyd Tapia to your Favourites.
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