Best Working Capital Loans of 2023

There are a number of SBA loan programs intended for different purposes, circumstances and applicant qualifications-each with its own loan amounts, terms and rates. SBA 7(a) loans. The SBA’s 7(a) loan program is the administration’s primary business loan offering. Loans are available up to $5 million and can be used for working capital, but they are also appropriate for buying real estate, refinancing debt and purchasing business supplies. CAPLines. Part of the 7(a) program, CAPLines are loans meant to provide small businesses working capital for short-term and cyclical-or seasonal-needs. Borrowers can choose from the Contract CAPLine loan, a seasonal line of credit, a builders line of credit and a working capital line of credit-all with $5 million borrowing limits and maximum 10-year repayment terms. SBA Microloans. SBA Microloans are available to eligible small businesses that need financial assistance to get started or expand. Funds can be used for working capital, working capital loan as well as the purchase of equipment and machinery, inventory and other operational costs. Invoice factoring is the process of selling a business’ invoices to a third-party invoice factoring company for a fee in exchange for a portion of the outstanding balances-generally around 85% to 95% of the total value. Once the invoices are sold, the factoring company is responsible for collections. The business receives the remainder of the funds minus any fees once the factoring company collects the invoices.

Funding Circle’s online application and approval process for loans can get small businesses funding in 48 hours. With Funding Circle’s Business Term Loan, borrowers can receive as much as $500,000 with term lengths ranging from six months to seven years for repayment. The company has lent more than $18 billion to 120,000 companies across 70 different industries. LendingClub provides personal loans of up to $40,000 as well as business lending options. For personal loans, the company says the online application takes minutes and approvals often happen within 24 hours. LendingClub can deposit money into a bank account for those who are approved or pay creditors directly. SoFi’s mobile app can be used for banking, investments and loans. The company’s loan products include student loan refinancing, private student loans and personal loans for things like home improvement projects and weddings. Whenever they make “smart money moves,” SoFi also awards users with points they can redeem for cash, loan payments and more.

Thinking about your ancestors makes you perform better in intelligence tests. All this resonated very strongly with what I read in Turn the Ship Around. This book looks at the rise and fall of various ‘information empires’, from the telegraph to the modern media conglomerate. Many people know that when Bell first transmitted speech over an electric wire, he said ‘Watson, come here. I want you.’ Less often reported in the US is that he followed it up with ‘God save the Queen! The ‘Hush-a-Phone‘ was a popular invention that resulted in lawsuits from Bell demanding that its monopoly on devices to do with the telephone was retained. The inventor, Harry Tuttle eventually won on appeal, and this was a turning point in the monopoly battle against Bell. A staggering 83% of US households watched Elvis’ appearance on the Ed Sullivan show. Why are super heroes all over the cinema these days? Because a distinctive character can be licensed as intellectual property, where a story can not.

After the factoring business checks out the client, they may scrutinize each and every invoice and make sure that these are free from missing info, discrepancies and screw ups. They will review only originals and not photocopies of the invoices. Once the factor company validates the invoices they will send a notice of assignment to the creditors or buyers of the client company to inform them that they should make their outstanding payments to them rather than the client company. On a median it takes only about 2-5 days for the client company to receive the advances from the factor company. Nevertheless on occasions factoring business might also follow online invoicing strategy, suggesting that the money will be credited to the customer company's account in little more than twenty four hours ‘ time. The initial amount receivable by you from the factor company can be anything from 70%-90%. Once your creditors have made the payment to the factor company, the second would then pay you another 3%-5% when they come up with a way to collect the payment from the client. So, factoring business is the best solution to the short-term financial pressures and issues of a business corporation. Spalding Scattergood would like to thank the factoring professionals at G Squared Funding for their info and information during the preparing of this text.

If you opt to upload the copies of bank statements , it can take a bit longer. How quickly will I receive the money? For the Small Business Loan ($5K to $100K) we usually offer an answer in just one hour - provided you submit your request in standard business timings and allow us to make use of the advanced bank verification system link to instantly verify your bank details online. If you want to upload copies of your bank statements, we will be able to provide the decision in as little as one business day. If you are applying for Larger Business Loans ($100K and up) We may be likely to provide you with pre-approval conditional to your application in around six hours. Once you have signed the pre-approval document, you will need to wait between 2 and 3 days for the final approval. However, this may be quicker depending on the specifics of each application.

Tips to Sell your Car Faster for a Great Retail Price!

With the right amount of knowledge, you can sell your car at a much better price. Price matters a lot while selling a car, mostly when you sell it in a price-sensitive market like Pakistan. So go through the prices for the same type of car you are selling (you can do this online). Then price it accordingly. Don’t underestimate and don’t overestimate. To increase the worth of your car a bit more, don’t keep it purely stock but add a bit of add-on that does not spoil the car’s original look but only buffers it up. Presentation ALWAYS matters, no matter how good your car is, if not correctly buffed up, it might not give you for what it’s worth. Everybody needs grooming and so do our cars. The unsaid rule of keeping one is to keep it well washed and polished at ALL times. How To Disinfect Your Car & Personal Space From COVID-19! Now you are all ready to click some high-resolution pictures of your car. Why High Resolution Only? Because simply put, your buyers would want to see your product in detail. One of the most common flaws in online deals is when the paperwork of the car is not complete. Even with a single paper missing, the buyers slash down your car’s price tremendously. So instead of blaming them, get your documents together. When completing the description for your car, write as much detail as possible, and use descriptive keywords to ensure clarity and accurate information for the buyer. Tell them precisely what your car holds; the more detailed it is, the better idea you give out to the buyer. Have any more tips to share? Share them with us! cars singapore

If you’re looking to sell your car and you want to boost its value, then you might be tempted to assume that anything you add to your vehicle will add to what it’s worth. In reality, however, that’s simply not the case. Most of the time, mods you add won’t really make your vehicle worth more; in a worst-case scenario, they can actually decrease the value of your car. Right now, used vehicles are selling for historically high amounts, but that has more to do with the overall vehicle market than any particular mods being added to them. Today, I’m going to take you through some of the most common and popular mods, add-ons, and other things you can do to your vehicle when you’re getting ready to sell it. Here’s the truth: the vast majority of these things won’t add anything to your car’s value - but there are a few things you can do to help out. It’s also important to consider your audience, so to speak, and who you’re looking to sell your vehicle to because that will impact what it’s worth.

Most aftermarket add-ons and mods really don’t add much to the value of a vehicle for a number of reasons (I’ll get into them below). That being said, the best thing you can do is add things that make the car more enjoyable to drive. Improving the infotainment system or sound system in your car can have a tangible value that increases how much you can sell it for since you can clearly show how good what you added is to a buyer. Similarly, if you have a vehicle with a niche focus or use, then anything you do that clearly improves upon that can help boost its value. For example, if you have a Jeep Wrangler or a similar vehicle that’s designed for going off-road, then aftermarket additions with that in mind can boost its value. Increasing a Wrangler’s water-fording ability, putting on all-terrain tires, and other trail-worthy modifications can all make it more valuable. Some people will tell you that improving engine performance is always a way to boost the value of your vehicle, but that again really comes down to what you’re selling.

Try to take the photos in an isolated location so there won't be any objects in the background to draw attention from your car. When posting an ad, consider setting up a dedicated email address and phone line via Google. This will allow you to field offers easily, and it will protect your privacy. Also, don't discount the power of social media. Get the word out to friends and family via Facebook and Twitter. If you're selling your car to a dealership, you may have gotten a few offers from the various dealers you've contacted. Go through your offers and pick the best one. Get in touch with the buyer to finalize the sale. For private-party sales, this step involves screening calls and meeting with prospective buyers. Respond to calls and emails in a timely fashion. Make sure to get full contact information, including name, email address, and phone number.

It's a no-brainer that your car's interior can affect the value of your 2nd hand car, so if it smells and looks like your family (and pets) live in it 24/7, then it's going to be a big problem. There are some odors that are really hard to get rid of no matter how hard you clean it, so you may need to ask the help of professional cleaning services. Also, make sure to have your vehicle’s interiors professionally cleaned, and buy new rubber mats / carpets to increase the chances of making a sale. A used vehicle is only as good as its engine, so regular maintenance is a must. Don't skimp on this, and make sure to keep a record of all your maintenance and repair services to show buyers how much you care for your car. Automatic or manual transmission? It depends. While automatic is more popular with average used car buyers, there is still a huge market for those who prefer manual transmissions.

Study Tips that will help you become a Stronger Student

This is one of those study tips that I wish I had learned earlier! In both high school and college, it's not uncommon to get assigned a certain number of chapters or pages to read before the next class. What I used to do was sit down with my textbook and, as I "read", I would take notes on my computer or highlight the bolded terms as I went. If you're sitting here reading this and wondering what's wrong with this technique, let me explain. There is a big difference between learning/ internalizing information and simply memorizing some definitions or concepts. When you employ the technique of taking notes as you read information for the first time, there is a pretty high chance that you aren't giving yourself the opportunity to truly understand what you're reading. Going back to the tip, I find that one of the most helpful ways to make my study sessions productive is to first read through the material without any interruptions. No notes, no highlighter, nothing. Then, once you feel like you have a grasp on what is being explained, you can go back through and take notes (I prefer handwritten because it helps you to process the material on a deeper cognitive level) and continue on with your session. Think Teach

Writing out the material helps you better understand it. Practice problems and author-written discussion questions in the textbook also provide an effective way to test yourself on the material. In addition, try enlisting your friends and family to assist by asking you questions about the material as well! This may seem obvious, but dedicating your time to focus on that particular subject for a decent chunk of time will allow your brain to hone in on the topics and make connections to commit it to memory. Just being present in the class is not enough. Distractions like the Internet and cell phones need to be put aside for that class in order to fully focus on the material. Some ways to engage yourself in the class are by raising your hand to answer and ask questions, writing notes to remember what was taught later on, and talking to the teacher about the material during office hours.

If you like a specific candidate, call his or her local office and ask how you can help. You could find yourself making phone calls to potential voters, stuffing envelopes or coordinating fundraisers and rallies. It doesn't matter whether you're working for someone running for local or national office; they all need volunteer help to get there. Care about environmental issues? Worried about your Social Security? There are countless grassroots organizations and special interest groups devoted to a particular issue or category of issues. They work to get politicians interested in their cause and try to convince them to vote a certain way, and they need volunteers to help spread the word. Despite all of the things that you could be doing, it's easy to get into a rut when you're retired -- especially if you live alone. Sitting around the house isn't just bad for your mental health, it's bad for your physical health as well.

If there's a mistake, you can correct and resend your SAR. What's the difference between the FM and the IM? The FM relies almost exclusively on the adjusted gross income from IRS forms as the indicator of a family's earnings. The IM also assumes the student will work during the summer to help pay for college. Many schools consider the IM a more accurate picture of family finances. In order to calculate the EFC using the IM, students must submit a separate financial aid application in addition to the FAFSA called the CSS/Financial Aid PROFILE (or just PROFILE for short). The bottom line is that the FAFSA's EFC is not the only indicator of how much financial aid you'll be offered by your school. Every school assembles its aid packages using varying amounts of federal and school-based aid. But the school may use the IM or other methods to determine eligibility for institutional grants and scholarships. Keep clicking for lots more information about paying for college. How can financial aid be spent? National Association of Student Financial Aid Administrators. National Center for Education Statistics. Sallie Mae College Answer. Wake Forest Student Financial Aid.

Guides: Payday Loans: General Information

Austin Code of Ordinances Ch. Balcones Heights Ordinances, Ch.121: Credit Services Businesses This chapter enables monitoring of credit access businesses in an effort to reduce abusive and predatory lending practices. Dallas Code of Ordinances Ch. Ch. 51A, Art. IV "Zoning Regulations". El Paso Code of Ordinances Ch. Houston Code of Ordinances Ch. 28, Art. XV, Div. San Antonio Code of Ordinances Ch. What is a payday loan? The Consumer Financial Protection Bureau discusses the characteristics of payday loans. Credit, Loans and Debt Federal Trade Commission consumer information page provides information about car title loans, payday loans, and cash advances. FAQ - Texas Fair Lending Alliance This organization's webpage provides answers to frequently asked questions about payday loans. See their main site for links to news updates about payday lending as well as resources for borrowers and a place to share your story. Payday Loans Questions and Answers The Consumer Financial Protection Bureau provides FAQ pages on payday loans and other consumer issues. Fast Cash: How Taking Out a Payday Loan Could Land You in Jail This 2013 article from the Texas Observer covers when a payday lending company may be able to file criminal charges against a borrower who is in default. Report: Texas Payday Lenders and Prosecutors Team Up to Criminally Pursue Borrowers A 2014 follow-up to the Texas Observer's 2013 article on payday loans and criminal prosecutions. This article reports on a new study from Texas Appleseed. Repossession - Vehicle or Property This page from TexasLawHelp describes when your vehicle could be repossessed due to nonpayment of a debt, your rights in this situation, and what to do if your vehicle is repossessed. What are my rights under the Military Lending Act? The answer to this question, from the Consumer Financial Protection Bureau, explains the cap on loan interest rates and other rights of active-duty service members.

rapid payday loans at fastloanspd.com

With people around the world becoming more materialistic and consumerist, there are many types of loan deals available in the fiscal market. There are many people who resort to them to overcome their financial needs in the time of difficulty. Ups and downs are part and parcel of human lives, so are financial adversities which are also experienced at various times in life. If you are undergoing financial crunch instant payday loans can help you out of this adverse situation. For all such problems, the installment loans with no credit check offer respite. Installment loans do not require going through a strenuous credit verification process and you can avail same day loans. The chances of availing them to deal with financial adversities are not hampered even by the bad credit factors such as insolvency, foreclosures or defaults. The bad credit people do not have to undergo any hassles in this process since they share the same platform as that of the good creditors.

A PDLoans247 process for a payday loan is simple and quick. We also help you avoid the unnecessary bank charges and restrictions that can occur when managing a loan through a conventional lender. Use our online resources to make effective loan decisions. You can apply for a payday loan from your phone, your tablet or your desktop. It is so quick and easy; you can apply for fast secure loans while on the go! Did you know a payday loan is a way to get your credit back on track? To improve your credit rating you can keep up with your installments. Payday loan is the best alternative for covering emergency expenses. One of the catches is that payday loans don’t affect your credit score. Don’t let your debts spoil your financial future. Short-term cash loan can serve as a prevention of a negative impact on your credit rating. Quick loans can range from small to large financial sums. Depending on your cash needs, we provide a simple and fast online application.

The cost could go as high as 460% APR. It is a good reason why you should be sure you have a plan in place to pay up before you get the loan. Any defaulting in payment can raise the total amount you need to pay by thousands of dollars. Failure to honor the terms of agreement of your payday loan in South Carolina will result in several actions by the money lenders. They are including, but not limited to, account withdrawals, higher interest rates, threatened jail times, court cases, and suits. You could even be asked to take care of the attorney fees should you end up in court. It will make you pay several times more money than you borrowed. Processing Payday Loans in South Carolina is not difficult. You simply need your ID, bank account details, together with your card details, your payslip. You need proof of your job, how much you are paid, and how often. All these are necessary to determine if you fulfill the minimum requirements set out by the money lenders.

How To Lose More Reasons Why Selling In 9 Days

In 2009, we started to see a rash of people who wanted to sell e-commerce sites that sold mini-motorcycles (sometimes called pocket-bikes). When you start investing in the markets, you are very likely to see many highs and lows as the market gyrates before you see permanent gains. It drives some to flat-line, selling to cash and locking in losses in market downturns. This last possibility would mean selling the sector for a loss in order to buy a different sector your strategy suggests tilting towards. If your individual stock has gone down, there is a real possibility that an individual company could go bankrupt, an even higher possibility that it won’t recover as much because its competitor is beating it, and a very real possibility that other companies in the sector might recover more or faster. If the expected earnings stays the same, then when the price of a fund goes down, the P/E ratio would go down as well. Buy Mario Carts Online

However, if the price goes down but the expected earnings goes down by even more, then the forward P/E ratio would actually get larger. However, the markets are inherently volatile. Changing your investment strategy while the markets are down can be scary, but failing to make the change might mean missing out on superior historical-predicted returns elsewhere. They chase returns rather than rebalancing. In addition to regularly rebalancing client portfolios, we analyze future price-to-earnings ratios (called “forward P/E ratios”) monthly to overweight sectors where earnings appear cheap and underweight those where earnings appear expensive based on historical valuations. We believe that this dynamic tilt adds another layer of contrarian rebalancing to help boost returns which is why we adjust the tilt of target sector allocations monthly. Tilting away from a sector that has gone down sometimes means that the new target lowers to meet the fund at its current percentage of the portfolio.

And we know from studies on mutual fund flows that investors underperform the very mutual funds they are invested in because they buy funds after they have gone up and they sell funds after they have gone down. A small forward P/E ratio compared to historical averages suggests that the fund is undervalued, meaning you can buy a large amount of expected earnings for a small price. A large forward P/E compared to historical averages suggests that the fund is currently overvalued, meaning it costs a lot compared to the expected earnings. Valuations based on forward P/E ratios are suggestive not predictive. Studies have suggested that when stocks have a low forward P/E ratio they have a higher expected mean return. Just because a holding has gone down doesn’t mean you have to hold it until it comes back. A “don’t sell losses” mentality would mean that you would hold everything in exactly the percentages that you currently have while you wait for the funds to come back to black. Moving out of an individual stock while it is down could mean moving away from its recovery.

That being said, the primary question to help you discriminate between a brilliant investing strategy and a mistake is: Do you have sufficient data to justify the long-term mean returns you want? Just because something has gone up doesn’t mean it is the best going forward. Some investors believe that the job of an investment professional is to analyze those individual stocks for the best return in the near future. Since these kinds of offers are rare, you probably wouldn’t want to pass it up because you may not get another one in the future. We don’t want to be the foolish investor who sells at the bottom only to reinvest at the top of the next bubble. For this reason, in addition to selling the holding for a loss, we usually want to buy something else in order to remain invested in the market category. Since its beginnings, the foundation of direct selling has been based on establishing a trusting relationship between seller and customer: distributors forge personal relationships with their customers, cater to their unique goals, and provide personalized recommendations.

Six Simple Ways The Pros Use To Promote More Reasons Why Selling

 One party may need to buy out the other and not have the cash available, the place might not be affordable to sustain on a single income, or the home may simply hold bad memories. The insurance business requires ownership of your circumstances, good and bad. Worldwide unexpected situations like pandemics, government-ruled shutdowns, as well as global trade wars, local trade restrictions, etc, can change business landscape in many industries dramatically. Look at what industries are on the rise that you can potentially invest in. Homeowners are also increasingly looking for multi-generational homes to accommodate aging parents or adult children moving back home. The kids have grown up and moved out, and now the parents want a smaller place. As kids grow, many homeowners need a larger place. This doesn't always mean there is something wrong with the home or the area, but the situation for the homeowners may have changed, requiring something different.

However, if properties are sitting on the market for a while in your area, you may be able to trade it in or use an iBuyer. When owning a house is the only thing keeping a homeowner tied to a specific area, it might be time to consider cutting ties to the home. For example, it might have grown too commercial, too busy, too young, or too quiet. For example, according to the U.S. One of the most challenging things in starting a new business or growing an existing one is gaining new customers. Customers can upgrade or downgrade editions and licenses at will and without multi-year contracts. When I Sell a Stock, After How Many Days Will I Receive the Proceeds? One common scenario why homeowners would want to sell and right-size to a smaller home is when their children age, marry and leave their families to form their own.

Whether it’s personal, strictly business, or financially advisable, the decision to sell investment property is always a very important one. The more that a stock’s short-term gains contribute to your overall portfolio, the more critical the sell decision. Perhaps the overall area has developed in a way that's not to the residents' liking. You know what you bought your home for but, even if it’s only been a year, demand may have changed in your area so you could ask for more - or may have to settle for less. Their expertise in the area will allow them to steer you and your business in the direction you want to go. Selling the house and joining the tiny house community or even the over 55 “condo-style” facilities will take out the stress of maintenance costs and utility bills that seem impractical since there’s only the two of you. Since refitting can be expensive, it's often more expedient to move to a place with a preferable layout or a condo complex with maintenance staff.

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Rather than stare at four walls with empty pockets, they find it more financially expedient to sell and use the funds for other things. Maybe grown children find the familial home impractical to keep after their remaining parent goes. As culture and technology evolve, so does the way of doing business to keep up with new trends and ways to serve consumers better. If you have some flexibility in your timing and finances, you can take your home off the market, wait for conditions to change, and then list it again and see whether you have better luck. They like nothing better than selling up and moving on to the next fixer-upper. 4. Direct selling enables personalized experiences. Orchard takes care of selling your home once you’re all moved out. When you’re selling your business, you’re selling your passion: The words of one founder who made a great sale for his start-up especially resonate for me. Having good reasons behind selling your business gives you the confidence to know that you’re making a sound decision for your future, and the future of your business. The Australian Securities and Investments Commission states that if you find yourself struggling to make your mortgage repayments and you don’t see the future getting any brighter, you should get out early before your debt begins to snowball.

Learn more about Online College Degrees

In today’s competitive world, a degree is the surest way to climb your career ladder. It helps you to get closer to your goals and is a representation of your knacks and skills. It is hard to imagine a successful career (entrepreneurs excluded) without a degree. Therefore it is a must in order to lunch into a great career where your skills are properly utilized. But at times, many of us do lag behind due to the absence of a college degree. The reasons can be many for not getting a college degree but the reciprocations are more or less the same. To ensure that you never face such circumstances just because you don’t have a college degree, many universities in the United States and Europe have come up with online college degrees, which help you get a valid degree while you work. Sometime such online degrees help you to complete your college education while you earn for it. Rate of admission

The Health and Human Services building is located near the Library. The BGSU campus police station as well as counseling services are located in the College Park Office Building on the southern edge. Kohl Hall is a dormitory exclusive to members of the Chapman Learning Community, Partners in Context and Community for Urban Educators. A new, predominantly freshman dormitory known as Centennial Hall was established in 2011 and is adjacent to the Carillon Place Dining facility. The southern edge hosts on-campus fraternity and sorority houses. Nearby is the Kreischer Quadrangle and the Alumni Mall. Kreischer quadrangle contains four connected halls, Ashley, Batchelder, Compton, and Darrow, that operate as separate units. Kreischer features a late night dining hall called The Sundial as well as a convenience store in Kreischer-Ashley. Kreischer-Compton is home to the Arts Village Learning Community, for students with interests in dance, art, creative writing, theater, or music. This community offers members-only classes.

After the workshop, participants should have an understanding of GFE and be able to: 1) develop effective outcomes for their course, 2) develop assessments for the outcomes, 3) develop a plan for assessing outcomes, allowing assessment retakes, and assigning grades based only on outcome assessments. No equipment is required beyond what is needed to attend the conference virtually. This hands-on virtual workshop will introduce high school and college instructors to CSAwesome, a free Java curriculum and ebook for the Advanced Placement (AP) Computer Science (CS) A course. This course is equivalent to a college-level CS1 course in Java. The free ebook on the Runestone platform includes executable Java code examples and problems, mixed-up code (Parsons problems), multiple-choice problems, coding challenges, and support for collaboration. The workshop will be led by the CSAwesome ebook authors. All workshop activities will be online, featuring live demonstrations, participant activities and breakout rooms differentiated depending on the participants’ Java experience. Workshop participants can use a laptop or tablet to access the online curriculum.

Most startups fail. Overall, the home runs are few, but they do occur. For example, I know some people who joined Oculus prior to it being acquired by Facebook. Startups are a very different work environment than established big companies. They are typically small, informal, agile, and lacking in resources. They may be more flexible in work environment than most Fortune 500 companies. But they are also less likely to have knowledgable HR personnel who ensure that laws are followed. A paycheck from a Fortune 500 company is not likely to bounce. Startups tend to fire quickly and are more likely to shut down. A startup has a limited amount of time and resources to establish itself so that it can become self sustaining or an acquisition target. That means it is not a place to pursue long-term research, no matter what the founders may say. The best analogy I heard: Joining a startup is like deciding to jump off a tall cliff with a bunch of other people, believing that you will successfully build working sets of wings and will soar away prior to hitting the ground.

Workshop sessions will include presentations, panel-based Q&A, an experience report, breakout group discussions, and hands-on activities. Let’s compute, create, and collaborate! Workshop registration fees and adoption and implementation stipend of $500 will be covered by an NSF grant for the first 10 participants who submit their own one-page statement of purpose to the organizers and participate fully in the workshop. Are you looking for new ways to better engage your students? Do you want to try making your Computer Science course more attractive? We can help! Come and see what the OneUp course gamification platform offers! In this workshop you will learn how you can gamify your own classes using game design elements such as avatars, points, leaderboards, progress bars, goal-setting, badges, virtual currency, duels, etc., and will get hands-on practice with using OneUp. For each workshop attendee, an OneUp course shell will be created and populated with sample data for individual use. For this virtual workshop, you will need the Chrome web browser installed on your laptop/computer, so that you can connect to OneUp.