Can you imagine a world filled with skin care products that cause ZERO negative side effects? Skin care products that are made with 100% all-natural ingredients that work in harmony with your body’s natural processes? The relief of choosing a skin care product that will most likely provide the results you are looking for?What I’m referring to here is the organic skin care product market. And if many regular skin care manufacturers follow the path that many organic skin care product manufacturers are currently, then the skin care product market will be absolutely revolutionized. However, it’s unlikely that this will happen anytime soon.The problem with the skin care market now is: There are too many companies producing low-cost, low-quality products and selling them at low prices in locations that are easily accessible to consumers. Do you think they’re going to stop selling these products? NO! But we naturally as humans look for the best deal we can get. So these extremely low quality, low priced products are being used by hundreds of thousands of people. And you know what the sad part is? We have no idea what ingredients are being used in them!This is why the organic skin care market is really taking off. Many people are now realizing that they are getting what they pay for- cheap products, with cheap ingredients, that produce cheap results (or lack thereof). Unfortunately, most of the people that are using organic skin care products now are using them because regular skin care products were reacting negatively to their skin and body.What ALL CONSUMERS NEED TO KNOW is they can easily avoid the negative results and side-effects of using a skin care product by using organic and all natural products. Sure they may be a little bit expensive now, but that’s only because they contain the best ingredients from the best sources that produce the best results.Breakthrough ingredients like Functional Keratin (a patented ingredient known as CynergyTK), extracted from the wool of New Zealand sheep, that can be converted to natural keratin, which you already have in your body, and made readily available to the skin. It also stimulates the production of collagen and elastin in your skin, which allows your skin to stay firm and elastic. Many skin care products now claim to have collagen and elastin in their products. However, collagen and elastin molecules are way to large to be absorbed through you pores, leaving the molecules sitting on your skin and making them absolutely useless!Another great organic skin care product ingredient is Nanobelle CoenzymeQ10. CoenzymeQ10 (CoQ10) is a vitamin-like substance found in every cell of your body responsible for efficient energy production and protecting capacity, or antioxidant power. CoQ12 is actually used in many skin care products now, but very few of them contain a sufficient concentration of it in a form that can effectively penetrate the skin. Nanobelle CoenzymeQ10 though is a special ‘nano-emulsion’ form of CoQ10 that can penetrate deep down into your skin. And once again, the “effective” CoQ10 found in most skin care products sits on the surface of your skin, providing no benefit whatsoever. Nanobelle Coenzyme10 also has very powerful antioxidant properties and is proven to counteract free radical damage to your cells and even protect your skin against the sun’s harmful UV-A radiation.One more powerful organic skin care product ingredient I’ll share with you here is active manuka honey. Since ancient times, honey has be used for its wonderful healing properties on the skin. Active manuka honey, exclusively found in New Zealand, has significantly high levels of antioxidants that protect and stimulate your immune system. It can penetrate deep into your skin, nourishing and rejuvenating it, giving you younger and softer looking skin. It’ll even strengthen collagen and protect your body from free radicals. It also has amazing antibacterial properties, making it effective at healing blemishes, including acne and even eczema and psoriasis. Truly power stuff.Can you see the power that organic skin care products are bringing to the market? Can you think of any reason NOT to invest in organic skin products over regular products? Sure they are a little bit more expensive. But if you jump in the market now, and spread the word about organic products, then a higher demand will bring down the prices to a well-affordable level. It’s all economics. It all makes sense. Organic skin care is the future of effective skin care.
Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding
Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.
Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.
Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.
Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )
How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:
Debt / Loans
Asset Based Financing
Alternative Hybrid type solutions
Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas
If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).
Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.
The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.
Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.
We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.
Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.
If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.
Achieving Optimum Health and Harmony of Its Dimensions
Being healthy is a basic requirement in order to fully appreciate the good things around us and be inspired to work for the realization of our dreams and goals. It is a fundamental necessity to earn a living in order to survive. When you are not healthy, your routine activities are disrupted. Medical news show that discomforts caused by annoying bodily disturbances or by nagging problems result in persistent unhappy moods that may drain your capacity to cope and adjust.But then, how do you know you are healthy? Perhaps you may consider yourself healthy but are considered unhealthy by another. You may have your own idea of what characterizes a healthy person. It is indeed better if everyone has a common basis for determining when a person is truly healthy. What then are the qualities that one must have in order to be considered healthy?To determine the status of your health, you should look into the six dimensions of your life which is the physical, mental, emotional, social, vocational and spiritual dimension. These six dimensions will give ideas to ascertain the level of health. Medical journals say that all these are expected to interact in conformity with each other. Any disorder involving one dimension may affect other dimensions.Physical health involves the different systems of the body. All the body mechanisms are expected to operate harmoniously to be considered fit in meeting the demands of daily activities. Each system should monitor the functioning of the organs to make the necessary adjustment in order to maintain balance. For example, when you are suffering from loose bowel movement, the other organs that release water such as the sweat gland and the kidneys will be called upon to conserve water to prevent dehydration.Mental and emotional health can be seen as your way of looking at your ability to perform your task and face problems in an appropriate manner. It is also the capacity to make and apply good decisions and at the same time feel good inside. If you possess mental and emotional health, you are optimistic in life and are appreciative of the things around you. You can also accept disappointments with courage and composure. Social health includes your ability to get along with others and create a relaxed atmosphere by being sensitive and responsive to the needs of others.Vocational health applies to your behavior and attitude in carrying out the duties and obligations of your chosen career. As an adult, you should consider your attitude in doing your responsibilities as a worker in preparation towards gaining financial independence in the future. Spiritual health is also another important dimension. Any disturbance in the operation of the other dimensions may still be handled as long as spiritual health is maintained.All these dimensions overlap and interact with one another. Therefore, to be in the best of health and experience fulfillment in life, you should see to it that all these dimensions work cooperatively to attain balance. Be alert with the latest health news and what you can do to maintain optimum health. To achieve this, you have to accept the responsibility of looking after your own health to live longer and at the same time experience satisfaction and happiness.