Mary's Place

A web page about the life of a lady who has been diagnosed with Alzheimer's.

Name:
Location: Piedmont, Oklahoma, United States

I live in Piedmont, OK, with my Husband of 50 years who has been very supportive. We have 2 sons,David and Kenny, 6 grandkids, and 6 great grandkids. I enjoy feeding and watching the birds and squirrels. Before I was diagnosed with Alzheimer's, I ran a Licensed Day Care Home for Infants for 15 years. I noticed I wasn't able to remember important things and having problems with my speech. I was experiencing severe headaches. I would get lost. I didn't know how to use the computer. At the age of 55, I told my doctor. I was sent for an MRI. which showed a large amount of shrinkage. I went to a neurologist who sent me for two days of testing. I was diagnosed with dementia of the Alzheimer's type. My husband and I were both in shock. I had to give up my job. I went to see a social worker. I've taken Aricept for 11 years. I can now use the computer and even do this web page. I also host a chat room for dementia patients. This is a very lonely disease. I don't want anyone to feel as lonely as I did when I was diagnosed (I thought I was the only one over 50 that had Alzheimer's). In 2006 I started taking Namenda. Also I was told I have a mixed dementia, Alzheimer's/Vascular.

Sunday, October 30, 2005

Dave fixed us a delicious western omelet for breakfast and we laid in bed and watched the Sunday morning TV shows and drank coffee… I stripped the beds and thought about putting on the flannel sheets but think I will wait awhile before doing that… I rode my bike for a mile and a half and burned up 20 calories. LOL… I fed the pansies and all the other blooming flowers. The roses are still blooming as are the? Oh shoot, my mind just went blank. I can’t bring up the flowers I was trying to think of. It will come to me later… Okay it is Geraniums, Crown of Thorns, and Passion Flower…. The joints in my hands, feet and legs are sure hurting today I bet we are going to have some rain… I hosted chat and did laundry… Goodnight All… Keeping The Faith In Oklahoma

2 Comments:

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The U.S. Government is the nation's largest provider of financial assistance to women & minority owned small businesses. The U.S. Small Business Administration (SBA) is Congressionally mandated to assist the nation’s small businesses in meeting their financing needs. The SBA has small business loan programs and services to meet most small business needs. More information on U.S. Government Small Business Loans can be found at **www.SBASmallBusinessLoans.com**

How do Government SBA Small Business Loans work?

When a small business owner applies to a lending institution for a business loan, the lender reviews the application and decides if it merits a busiuness loan or if it requires an SBA guaranty. SBA backing on the business loan is then requested by the lender. In guaranteeing the business loan, the SBA assures the lender that, in the event the borrower does not repay the loan, the government will reimburse the lender for its loss. By providing this guaranty, the Small Business Administration helps tens of thousands of small business owners get financing they would not otherwise obtain.

How much money can I borrow?

Here are a few examples of what you can get from SBA small business loans programs:

7(a) Loan Guaranty Program

The 7(a) Loan Guaranty Program is the SBA's primary small business loan program. A maximum loan amount of $2 million has been established for 7(a) business loans.

Low Documentation Loan (SBALowDoc)

SBALowDoc is the SBA’s quick and easy program that provides a guaranty on small business loans of $150,000 or less. Once you have met your lender’s requirements for credit, the lender may request an SBALowDoc guaranty for up to 85 percent of the loan amount. You complete the front of a one-page SBA application, and the lender completes the back. At SBALowDoc centers, the agency processes completed applications within 36 hours.

SBAExpress

This method makes it easier and faster for lenders to provide small business loans of $250,000 or less. The SBA provides a rapid response through its PLP processing center in Sacramento, Calif.— within 36 hours of receiving the complete application package. Lenders use their own procedures to approve and service the loans.

CommunityExpress

The CommunityExpress pilot program is designed to spur economic development and job creation in untapped rural and inner city communities by providing loans and technical assistance. Loan proceeds may be used for most business purposes, including start-up, expansion, equipment purchases, working capital, inventory or real-estate acquisitions.
To be eligible for CommunityExpress, current or prospective small businesses must be located in low- and moderate-income urban and rural areas.

While CommunityExpress is similar to SBAExpress, here are some differences:

• CommunityExpress focuses on predesignated geographic areas that primarily low- and moderate-income urban and rural areas.

• The maximum loan amount under CommunityExpress is $250,000.

• CommunityExpress lenders, together with the National Community Reinvestment Coalition, provide hands-on technical training and support, both before and after loan closings, through community-based, nonprofit NCRC member organizations.

7(m) Microloan Program

The SBA’s Microloan Program provides very small loans up to $35,000 to small businesses and not-for-profit child-care centers through a network of locally based intermediary lenders. In addition to making the loans, the intermediaries provide management and technical assistance to microborrowers and potential microborrowers.

What can I use the loan proceeds for?

You can use an SBA small business loan to:

• expand or renovate facilities;
• purchase machinery, equipment, fixtures and leasehold improvements;
• finance receivables and augment working capital;
• refinance existing debt (with compelling reason);
• finance seasonal lines of credit;
• construct commercial buildings; and/or
• purchase land or buildings.

How do I repay the loan?

The length of time for repayment depends on the use of the loan proceeds and the ability of your small business to repay the loan.The term is usually 5 to 10 years for working capital, and up to 25 years for fixed assets such as the purchase or major renovation of real estate or purchase of equipment. There are no balloon payments, prepayment penalties, application fees or points permitted with these small business loans. Repayment plans may be tailored to each individual small business.

How do I get started?

You submit a business loan application to a lender for initial review. If the lender approves the business loan subject to an SBA guaranty, a copy of the loan application and a credit analysis are forwarded by the lender to the nearest SBA office. After SBA approval, the lending institution closes the business loan and disburses the funds; you make monthly loan payments directly to the lender. As with any loan, you are responsible for repaying the full amount of the loan. Visit **www.SBASmallBusinessLoans.com** for more info.

October 31, 2005 at 5:35 AM  

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