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Heflin will provide an update on our financial performance and focus. We will then conclude with a question and answer session. We achieved incremental gains during the quarter, including positive EBITDA trends. We have worked diligently with our existing campus locations to ensure that students recognize and understand the value proposition that NAU provides to a unique segment of the population. That is, our core working adult market. In short, we are always working to improve the quality of our programmatic offerings and take a personal approach in assisting each student in our university. In today’s call, we will highlight a number of the academic achievements we continue to make with the end result being that we are seeing favorable trends and successful student outcomes whether that be course completion, term to term persistence or graduation. Throughout it all, we maintain an efficient organization and are benefiting from an operational leverage that, perhaps, some of our peers don’t possess. For those of you following along on the accompanying slide presentation, we will begin on slide 3 where we highlight the continued strategic focus for FY 2017. We are also looking at other areas in which to leverage our history and operational flexibility to help a wider group of potential students.

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A more persistent approach has better odds of success. Understanding what lenders look for and what they consider risky will help you present your business in a favourable manner. We would appreciate your expertise in the Small Business Community.  Business & Industry Loan Guarantees This program bolsters the existing private credit structure through the guaranteeing of loans for rural businesses, allowing private lenders to extend more credit than they would typically be able to. The criteria for small business funding has tightened up in recent years, but people who have a plan, have some collateral, and have the ability to pitch their idea can still get the money they need. Ask the financial institution which specific documents you’ll need. While it will help you determine what your new monthly payment will be and how likely it is you’ll be able to handle the new debt, it’s still important to consider the immediacy of your business needs and individual situation. The repayment amount will depend Continue on the term or length of the loan.  Briefly describe how you intend to pay back the loan, paying special attention to repayment sources and deadlines.

In addition, a small business must meet the credit qualifications of the lending partner. While it will help you determine what your new monthly payment will be and how likely it is you’ll be able to handle the new debt, it’s still important to consider the immediacy of your business needs and individual situation. The SBA also can refer businesses to free counselling canters to improve their performance. CompassPoints® is a registered trademark of Compass Bank. Check out SBA-preferred non-bank lenders if you are unable to get an SBA loan from a bank or an SBA loan under a loan guaranty program.

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CREDIT PROFILE MBLP operates a vertically integrated municipal electric utility system (the system) serving approximately 17,000 retail customers in northern Michigan. Service is provided to residents of the city of Marquette as well as to all or parts of nine townships located within Marquette County. The city is located on the southern shore of Lake Superior on northern Michigan’s Upper Peninsula. The system is owned by the city, but was placed under the jurisdiction of a separate, publicly-elected five member board of directors in 1965, providing some autonomy from other city operations. The service area is large and rural in nature, extending approximately 340 square miles outside of Marquette’s city limits. The customer base exhibits some concentration as the 10 largest comprise 23.6% of system billings.

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Some people just don’t care, and… business. To monitor transactions, users can access Intuit’s on-line Merchant Service enter to search, view and create reports. Find Accounting Software is a free tool that helps find exactly the right solution through a detailed questionnaire. It’s an absolute requirement to know how much income is generated from every marketing dollar. Have you considered how much time you’ll spend taking care of your finances… business and personal… Follow these simple starter steps to streamline your money habits, so you can focus on your business dreams not your bank statements. Have a set limit to help you determine when a business is not worth spending money on. Essentially it is the difference between the cost of the good/service and the selling price, but it does not take into account what proportion of the amount is profit.