cooking scholarship for students

Securing a Commercial Mortgage for Your Restaurant Business

The restaurant industry is considered one of the most important and successful industries in the world today. In the U.S., more than half of the population eats out at a restaurant at least once a week, according to USDA. Busier lifestyles, longer hours at work, and growing family responsibilities have led us to turn to restaurants to save time. And with life getting more and more complicated and schedules becoming more and more hectic, the growth in this market is expected to continue in the years to come. With this success, it’s no surprise that more aspiring entrepreneurs today are choosing food franchising or restaurant owning as their business.

Securing a Commercial Mortgage for Your Restaurant Business

However, while the restaurant industry may seem very rewarding, it can be challenging. This is particularly true at the beginning when you have to borrow money to fund your business. As you know, applying for a business loan is not that easy. In fact, almost 90 percent of small businesses applying for loans are getting declined by banks. The requirements are tough, and many lenders are becoming smarter and stricter every year. But there’s no need for you to get worried even if you’re a start-up. There are many options out there to help you obtain the loan that you need. And here’s how to get started:

Determine the required cost.

Everybody knows that opening a restaurant isn’t cheap. Even if you only plan on opening a small café, you need to prepare yourself for the cost, which usually range from $400,000 to $500,000. It could be lesser or higher than that – it depends on what type of restaurant you choose, the food you serve, how you serve it, the location of your business, the equipment you use, etc. Of course, that’s not to mention the amount that you’ll have to spend for the opening, including business permits, business license, insurance, advertising, and opening event. Before you start writing your proposal and find different loan options, you have to determine how much you’ll need first to open the business.

Create a solid business plan.

All loan programs require a solid business plan to be submitted when applying for a loan. The right business plan includes all the important details of your business, including financial statements, location of business, your experience in the industry, your goals and how you plan to achieve them, the amount of money you need and how you will use it, your marketing strategies, if there are backup plans, etc. The lenders want to know if you have the capability to run a successful business. A poorly written business plan can hurt your chances of getting a loan approval; so be sure it is well written and all important information are included before you submit it to the banks.

Do your research.

Keep in mind that not all banks and commercial lenders provide loans to all types of businesses. Most of them are picky when it comes to choosing which businesses to support, and only accept certain applications. So before you waste your time writing and sending applications, make sure that the lenders you’re considering provide loan for the type of business you’re planning to have.

Work with a commercial mortgage broker.

The process of applying for a property loan is very confusing, complicated, and time-consuming. Even if you’ve already been in the business for many years, you would still not want to go through it alone. If you want to lessen your load, hire a local mortgage broker. If you’re opening a restaurant business in Australia, for instance, get the service of a mortgage broker Melbourne. These professionals know the current market in your area. They also have a great understanding on how the process of getting a loan works; therefore, they can give you sound advice on what to do to secure financing. Most mortgage brokers are also acquainted with a lot of banks, which increases your chance of getting the loan that you need for your restaurant.

Starting Your Own Food Cart Business

In order to become a good businessman, there are certain things that you have to know more about. You have to know how having a business is like. This is one of the main problems of people. They assume that just because they have the money to start a business, they assume that this is already good enough for them but this is not true at all.

People can have money but they may not have the right skills to have a business. For some people, they find it necessary to be good in accounting. In fact, they might be doing some CPA exam preparation so that they can become good in computing but aside from being good in math, being a businessman would require much more than that.

Starting Your Own Food Cart Business

Food is always one of the main businesses that people think about at present time probably because they know that food is always something that people need. Starting a full restaurant can take a lot of money though so the next best thing is to have a food cart business.

What is a Food Cart?

A food cart is mainly a food kiosk that can only take a small amount of space. It can be placed inside a shopping mall or it can also join fairs and bazaars. The work place in food carts are usually small so they only have a limited selection of food that they can serve to people. Get to learn more about that from here.

All over the world, there are various food carts that are popping out all over the place. There may even be times when it can be a bit complicated to choose the right food cart to visit. If in case you would also like to start your own food cart business, there are certain things that you have to remember:

  • The concept of your food cart may be the first thing that you have to think about. You need something fresh, something unusual and something that may have never been seen before but at the same time, it should be likable.
  • Be unique and create your own food. You might think that now is the time that you can just franchise from a well known food cart but if in case you would like your business to have more worth in the long run, you can start your own line.
  • Remember that the food products that you are going to sell should be food that you truly like. If you are going to choose food that people will not like to try out, then they wouldn’t want to visit your food cart.
  • Make sure that you will have a name that is easy to remember. You do not want people to just try guessing what the name of your food cart is. Your name should be easy to remember so that if customers would talk about your food to their friends for recommendations, the name of your business will immediately become evident.

Hopefully, these tips will help aspiring businessmen to create their very own food carts at the soonest possible time.

Importance of Air Purifiers in Kitchens

For students of culinary arts, they have to learn a whole world of different things aside from just honing their cooking skills. A chef needs to know everything there is to know about hospitality management as well. Although serving a guest is a task that requires an entire team’s effort, a chef fulfills a task that is the most crucial, which is preparing the food. However, during the process of cooking the food and preparing it, the chef also needs to ensure that the air around them and in the dining area is also clean and healthy. It could totally ruin the guest’s eating experience otherwise. To purchase an air purifier, click here.

Importance of Air Purifiers in Kitchens

Why do you need an air purifier?

Since dining is an experience, it is important to teach culinary students about the nitty-gritty details so that they will be used to them by the time they are employed. Ensuring that the air around the kitchen and the dining area is clean and sanitary is one such detail. As mentioned earlier, it could completely ruin a person’s dining experience, and you would rather that they return to your restaurant again and not just once. This is one reason why you have to ensure that they’re able to breathe in clean air and that the room is purged of offensive odors.

Additionally, since you will encounter several different types of people while you work at a restaurant, if you ever encounter guests with allergies, having a good air purifier in such a scenario would prevent a lot of discomfort on their part, as there might be particle in the air that could potentially make their allergies much worse.

Having an air purifier will also help neutralize the odor of the food. This is an especially important detail for restaurant owners and chefs to note down. Although good smelling food is always great at first, you would eventually want that smell to go away, whether that be in the kitchen or in the dining area of the restaurant itself.

Also, you wouldn’t want strong smelling food to affect the taste or the odor of other foods, as that would be a total disaster. Having a purifier is a big help in this case, as your guests can easily leave the restaurants without having their clothes smell like their food, as that could be quite embarrassing and problematic, especially if they have somewhere to go to after their meal.

Finally, you will easily be able to create a happy and healthy environment in the kitchen as well, as all the smoke that comes out of the stove can easily be cleared away by the purifier as well. Remember, the kitchen is the most important portion of the restaurant, as that is where the main action happens; you need to be able to keep the kitchen healthy and clean if you want people working there to stay healthy and also if you want to serve great food to satisfy your customers.

To learn more, click

How to Calculate Your Restaurant’s Taxes

There is a chance that you have your very own restaurant business and as much as possible, you would like to make sure that you will know how much you are going to pay. You have to remember that computing your restaurant’s taxes can be complicated if you do not know what you have to do. There may be some things that you ought to remember. Once you already know what you want to do, you can already be sure with what you are going to get.

  1. Know how much your taxes are – You have to remember that the tax rate may be different from one state to another. You may have to consult with a professional about your tax rate to be sure about what you can possibly get.
  2. Know what taxable and non taxable items that you currently have in your restaurant. Once you already know the different items that you need to tax, you can already start computing. Do remember that the information regarding the restaurant’s taxes can be available.
  3. Know how many of the items you were able to sell. This might have to be done monthly so that you will not have much trouble anymore with computing at the end of the year. You may have the choice not to compute monthly if you think that this can help you out but as much as you can, try to compute as often as you can.
  4. Compute all of the items that you have sold throughout the year and make sure that you will get the proper tax forms that you are going to fill up. Through the tax forms, you will also be able to figure out the things that you should purchase.
  5. Wait for your tax return. You will get it after some time. As long as you have done all the proper things and you have followed the process, you know that this is imminent.

How to Calculate Your Restaurant’s Taxes

You can learn more about computations here. Now that you already know how you are going to compute for your taxes, you also have to focus on your restaurant to be sure that people will keep on coming back. Here are some tips that can possibly help you out:

  • Consider producing new food. If you feel that your clients are looking for something new, give them that because you will be sure that the return of that can be beneficial for you.
  • Always try to improve your restaurant. You should never settle for mediocrity. The food business is always evolving and most of the time; people would expect that you will improve your restaurant to suit their changing tastes.
  • Be aware of the current trends. Like in fashion, food can also be trendy so having a good mix of classics that people will surely love and trendy food products can be great for your restaurant.

With all of these things in mind, not only will you be a good restaurant owner with proper ideas about your current taxes, you can also gain more knowledge about restaurants over all.

How Culinary Students Can Reduce Acne

Students pursuing a degree in the culinary arts often come across many financial and emotional problems. However, other problems, such as acne, are often overlooked when these troubles are considered. Little known to most people, culinary students run more risks of acne than students of other degrees, simply because of their constant exposure to kitchen heat and a variety of food that can cause acne. Additionally, there are certain consumables that can cause acne as well, so culinary students need to know about all that for a more rounded degree in cooking. The solution against acne is not as difficult as it was initially expected to be, since culinary students hold the answer to acne in their own hands.

How Culinary Students Can Reduce Acne

Ingredients and acne

Culinary students and chefs of all kinds have the responsibility to provide good and healthy food that obviously causes no negative side-effects. Diets become really important in this case, since quite a number of ingredients can directly tie into the occurrence of acne and skin problems in general. First and foremost, culinary students need to control how much vegetable oil they should use, since oils and similar trans-fats can cause inflammations.

A substitute can be natural coconut oil. In other cases, adjusting sugars in the food is essential as well. This is due to an excess of sugar causing hormonal imbalances that result to increased chances of acne. Culinary students, due to their need to taste the food before serving them, get more exposure to these harmful ingredients. Besides, a perfect cooking degree requires the students to be fully aware of acne-causing ingredients in the first place.

Avoiding Acne

Keeping the skin clear is easy to do if culinary students focus their minds into it. Since they are in charge of the food, they need to advise the eaters to avoid greasy food that is bad for their skin. However, not all greasy food is bad. For example, nuts, red meat, and butter do not cause acne. Even though they may cause other problems, from a strictly dermatological perspective, they are good to go. However, most other fatty food are culprits behind acne.

A primary example are tomatoes, which are known for increasing blemishes on the surface of the skin, thus, they are not recommended for patients with bad skin. Same goes for carrots and vitamin E supplements, especially those that get exposure to the skin, or specifically the sebum glands. For more information, you can check out; an article which is especially helpful for any culinary student.

Face-Up! helps

Face-Up! is a special device that allows protection against harmful thermal and electromagnetic radiations. Culinary students can find this helpful in saving their skin from oil burns, kitchen heat, and any skin deformity they might face as a result of exposure to a multitude of ingredients. Since the students are, after all, learning to be effective cooks, they need to be careful of the consequences that might follow from little knowledge of acne-causing ingredients and consumables.

Culinary Scholarships and Taxes Involved

Cooking has always been considered one of the most prestigious line of work since the dawn of mankind. Be it making food for a small family, or working as a chef in a five star hotel, the culinary arts are appreciated all the time. Due to the recent cultural burst of food, as new styles of cooking and ingredient preparation is being introduced all over the world, there have been more and more people interested in being a professional chef. However, like all occupations, being a chef requires constant dedication and hard work; the quantity of which determines success from failure. With the additional desire for a cooking scholarship, you realize that being a professional chef is tougher than you initially expected, and financially speaking, tax refunds can be helpful in this case.

Why need a culinary scholarship?

Culinary arts are very helpful in all aspects of life, but one might wonder: Am I cut out to be a chef? As pointed out in the statistical report of the Bureau of Labor, chefs earn an average of a little over $38k, while some even earn less than $22k. In places, such as the USA and Australia, this is a miniscule wage, and definitely not easy to make a living off of.

While the wages may be a problem, the real problem lies at the root: Pursing the culinary degree in the first place. Since a lot of money is involved, money that will come out of the students’ pockets, there is a huge dependence on student loans. Tax refunds, especially help here, as without them, a culinary student will be bankrupt very easily if they aren’t careful in the long run.

Culinary Scholarships

Grants and culinary scholarships help in these cases too, as they provide financial aid that no other legal methods can reliably provide. Many culinary schools offer these scholarships as awards for endeavoring minds who can provide new alternatives to an accepted method, or contribute to the overall development of the world of cooking by thorough research and study. Additionally, planning ahead and determining tax refund procedures will save a lot of extra expenditure.

Where tax is applied

Many students aiming for a scholarship tend to be confused with where tax is required and where it isn’t. Scholarships that provide expenses for the education is not taxed. This includes tuition fees and costs of books, copies, stationeries, etc. However, students living abroad cannot be reliant on the scholarship money for their living and eating expenses. These, including additional commodities, such as a computer (when it is not explicitly required according to the university standards) will add tax to the expenses, so one needs to be cautious about that.

Special scholarships, such as the ones from the Department of Veterans Affairs, is free of any tax, including costs of boarding and general living. Others, such as the ones from Armed Forces Health Professions, National Health Services Corps, etc. also excludes tax. Still, if students find themselves stuck with tax related problems nonetheless, and are unable to pay the tax, they might look towards tax refunds solutions that are specifically catered towards them.

Ways to Fund Your College Education

College education is undoubtedly expensive. The average cost of tuition fees for a bachelor’s degree is more than $20,000 per year at a public college, and about $30,000 per year at a private institution, according to the College Board. This is not to mention the amount that you need to pay for your housing, transportation, food, books, and other living expenses.

While the cost for college can seem overwhelming, many students still prefer to continue their education and complete a college course. Well, with the benefits that you can get by having a degree, going to college is extremely worth it.

Fortunately, there are different ways to help you fund your education and cover any of your additional college fees and living expenses.  If you’re considering about pursuing a college degree, then read on to explore your options.

Fund Your College Education

Grants and Scholarships


These are, by far, the most common source for tuition fees. Grants and scholarships are typically offered by schools, companies, and organizations (both government and private). But to be eligible, you must meet certain requirements first, which can vary depending on the type of scholarship and the organization offering it. Most scholarships that are offered by schools and private companies are merit-based, which means that you need to have good grades or excellent academic standing to qualify. On the other hand, scholarships that are offered by federal agencies are usually need-based, which means that your eligibility is determined by your family’s financial circumstances. But keep in mind that those organizations that offer need-based aid may also require you to get a good average to maintain your scholarship. And the same goes for those individuals or institutions providing merit-based scholarships.



Another common way to fund your college education is by applying for a student loan. In the U.S., there are commonly two types of student loans: federal loans which are sponsored by the government and private loans which are sponsored by private organizations. You can apply for either of these loan programs to cover your college fees and expenses. But keep in mind that unlike scholarships, you need to repay them. Repayment schedule vary on the agreement between you and the provider, but typically, you must pay them back a few months after you graduated. Tip: Only borrow the amount that you need – because the more you borrow, the more money you have to pay back.

College Work-Study


If you don’t want the idea of borrowing money to fund your education, then one alternative is to work while studying. These days, many students are already considering this option as it doesn’t only help them fund their tuition fees, but they also help them cover their living expenses and more importantly, gain work experience. If you have lots of spare time, consider applying for part-time jobs, either outside or inside your campus.

Bottom Line

As they say, nothing in this life is impossible. So even if you came from a poor or an average family, you can still pursue your education and reach your dreams. Just be willing to do everything and be patient. And try to consider those financial aid and scholarships mentioned above to help you in your college journey, whether you want to apply for dialysis technician training, nursing training, or an engineering college course.

Starting a Restaurant Business in an Airport

With the increasing number of people using air travel, people from all over the world become more and more connected. And as the world becomes more connected, more opportunities are created. For business owners, this means an opportunity to increase their international exposure and widen their reach in the market. If you are looking for a new venture that has a great potential to succeed, then you might want to try building a restaurant in an airport.

Restaurant Business in an Airport

The Benefits of Running a Restaurant in an Airport

You might wonder how running a restaurant in an airport could benefit you given that the fees to opening and maintaining an airport restaurant are extremely expensive. Yes, when it comes to capital and operation cost, airport restaurants are expensive compared with local stores you see at the streets. But as a business owner, you should know that having a store inside an airport provides a lot of great benefits, and here are some:

  • More potential profits. As you know, many people arrive at the airport earlier to avoid missing their flights. Some get there at least 2-3 hours before their flight. And early arrival means more time waiting in the airport; thus, more time spending eating and drinking before boarding the plane.
  • More security. Aside from large potential profits, one of the primary reasons why you would want to start building a restaurant in an airport is because of the security. Since the terrorist attacks in September 2011, airport terminals and other places where public transportations are available have imposed tighter security measures and civil aviation safety standards to make sure that the public remains safe all the time. With your restaurant being inside a secured place, like an airport, you can be sure that you, your staff, and customers are safe from any intruders or attackers.

How to Start a Restaurant in an Airport

Just like in building a brick-and-mortar business at your local streets, starting an airport restaurant also requires researching, acquiring necessary documents to start, and finding the available space to setup your business. Here are some important steps to follow:

Step 1: Research the airport wherein you would like to launch your restaurant business. You don’t necessarily have to go personally in the area as you can also do this by visiting their website. But of course, it’s also a good idea to check the airport personally if you want to effectively examine the place. From there, you will determine if the type of restaurant you wish to open already exists, or if there is enough of a customer base that would support your business. It’s also a good idea to take a research on other airports, so you’ll have many options.

Step 2: Look into the locations within the airport terminal that might be available to you. Talk to the airport manager and determine if which of those locations you find are still available to lease. But before you sign any contract, make sure that you understand and know everything that you have to know, including the approximate size of the space, the cost of monthly rent, and any special needs that your restaurant business may require.

Step 3: Make sure that you meet the airport standards and acquire the necessary documents that you need to start your operations, including registration account, licensed to do business, tax credentials, and other documents that are required. Do your research, and ask the airport managers/operators what are the requirements that you need to present to start running your own restaurant in an airport.

Becoming a Chicago Locksmith

In this day and age when everyone cares about their privacy and security and has locks on their doors, locksmiths are highly demanded, as they can make duplicate keys, install locks in businesses and homes, open your doors for you when you forget your keys, and more. Locksmiths are needed in this day and age, and if you’re someone that lives in Chicago and are considering becoming a Chicago locksmith, this article will tell you exactly what you need to do and the skills that you need to acquire in order to become one.


A locksmith needs to undergo a training program in order to begin working, or they could also opt for apprenticeship. The requirements of each state is different, and some states expect locksmiths to have a license in order to begin training. Depending on the sector of your profession, a locksmith may have 3 or 4 months’ worth of experience. No formal educational degrees are necessary; however, a locksmith needs to complete a training program.


How to become a locksmith

First and foremost, one has to have had a formal education in locksmithing. For those who want to be Chicago locksmiths, they have the option of doing their courses online alongside the traditional methods of training, which include state locksmith associations, vocational schools and community colleges. One can also opt for specialized courses, which teach automotive and motorcycle locksmithing. As mentioned previously, one can also opt for apprenticeships, which require one to train under a highly experienced locksmith.

Gaining work experience is the next step to becoming a locksmith. There are some states that require at least a year’s full-time work experience in order to obtain a license. If necessary, a trainee locksmith can contact local locksmith workplaces for work. Next, get a locksmith license. Although this isn’t necessary for every state, this is also a way to ensure authenticity and to assure the customers of their safety. The licensing requirement are different for each state, but most states require the person to pass background checks and to give their fingerprints to federal fingerprint databases and to the state.

One also needs a professional certification, which requires them to pass 4 exams with 70% or higher scores in each. Once a trainee has become a locksmith, he/she can also opt to take advanced education or training to expand their field of experience. This is totally optional, but it is for the good of the locksmith, as he/she can stay up to date on the laws required in this field as well as the technologies. Also, for those who want to earn higher certifications in this field, these advanced courses can also help them pass those certification tests.

Bottom Line

Being a locksmith requires a lot more training and skills than just knowing how to pick a lock. For those interested, they need to take courses, either online or in any institution that offers it near you, or they can opt for apprenticeship, in order to learn the tricks of the trade from the highly experienced.

Game App: Clash of Clans

There are quite a few games that can be downloaded for mobile or tablet use. With the birth of the brand new and latest technology that we have today, it is no longer unusual that almost every day, there is a brand new mobile app being launched. One of such that was made popular for a lot of people would be the Clash of Clans. This is a strategy type of game. It was originally designed only for Apple users. It can readily be downloaded through the app store in ios. Yet as more and more people wants to play it, clash of clans download was also made available for android users. Many people of varying age group used this game as it is available for free. If you will take a look at its rating, you can see that it has quite high reviews from loads of its players. This is because the game is known to be engaging and highly addictive. Given such, the game was no longer a past time for many since; several hours are spent playing it.

Game App- Clash of Clans

SuperCell is the developer of the said game. Because of the popularity of Clash of Clans, they already become among the top developers of games for Apple. The other game that they are known for is Hay Day. Because these two games are well liked by lots of users, SuperCell was even able to challenge a top game developer such as EA Sports which already have over a hundred games developed. The success of SuperCell can all be because of the major anticipation of people for its game Clash of Clans. The particular game was able to gross huge revenue for the company. Learn more at

It was sometime in 2010 when Clash of Clans or CoC as it is known to many was launched in the app store. Ever since that time, the game already had several updates. To be able to cater to its increasing number of users, the game was also made available in different language. Because of mild cartoon violence, it has a 9+ rating. Once downloaded, it will eat up around 47.9 MB of your total device space. Many loved this app because it is stable and crash happens very seldom. For the 3rd, 4th and 5th generation of iPod Touch and newer versions of iPhone, the game was fully optimized.

Although Clash of Clans can be downloaded for free, there are also in-app purchases for the game such as to buy gems or coins. With these in-app purchases, the developer was able to make good revenue. Knowing that the game is addicting and everyone would like to level up within the quickest time possible, a lot of its users really spend that much of money for the game. Because the game is addictive, children must be monitored while using the mobile of tablet devices. Parents must be meticulous in keeping passwords so as to prevent the kids making in-app purchases and other unnecessary things as well.