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The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.

Why do we need nutritional supplements? Many of us, in today’s hurried lifestyle, do not eat a well balanced diet. Because of this we need nutritional supplements to boost our daily diet. We have seen numerous commercials for overweight bodies. When was the last time you saw a commercial about getting nutritional supplements, not just broad spectrum vitamins? We have become a nation of over fed and under nourished citizens.Eating the right foods is great…BUT. The nutritional value of our food has diminished considerably in the last 50 or so years and this makes it necessary to take nutritional supplements. Our diet contains too much refined food and not enough pre-processed food. Unless you grow your own fruits and vegetables you will need to get your nutrients from another source, like nutritional supplements.Nutritional supplements fill the holes that processed foods leave in our diet. Not having enough vitamins, minerals, and antioxidants,
Speeds the aging process
Contributes to poor cardiovascular health
Helps cause poor eyesight
Produces a weakened immune system.
Many factors cause degeneration of your body’s cells. Some factors are
Radiation exposure
Cigarette smoke
Overexposure to the sun’s rays.
Some nutritional supplements work at cell level, some do not. Make sure your nutritional supplements work at cell level. The nutritional supplements must contain enough vitamins, minerals, and antioxidants to supplement our daily diet. Combining a good diet with nutritional supplements and regular exercise will provide us with the basics to fuel our bodies. Adding nutritional supplements and exercise to our busy lives will give us more energy. The use of nutritional supplements can also slow the aging process.For the past 5 years or so we have heard much about antioxidants and free radicals, and for a good reason. If the free radicals in our systems are not neutralized they will run rampant in our bodies. The free radicals will damage our bodies at the cellular level. Here is where nutritional supplements can help. This damage over time will escalate and eventually lead to the acceleration of the aging process. The aging process usually manifests itself as heart disease, cancer, or osteoporosis. Diets alone do not supply enough antioxidants to combat this process. That is why your nutritional supplement must contain these antioxidants.Health and nutrition experts say that the basis for good cardiovascular health is a nutrient rich diet, exercise, watching your cholesterol level, and monitoring your blood pressure. The cholesterol and blood pressure levels should be periodically checked by your health provider. Nutritional supplements added to your diet can help improve these factors. Your nutritional supplements should contain a garlic extract (unless you are a garlic lover like me and eat it every day!). Garlic has been shown to be of great benefit in decreasing cardiovascular disease.Nearly all eye damage and loss of vision can be linked to poor nutrition! Poor nutrition can be directly linked to blood shot eyes, blurred vision, and nearly EVERY eye irritation we suffer. Nutritional supplements can help here too. To help reduce vision problems the nutritional supplements needs to contain Vitamins A, B, C, and E, in large enough quantities. Natural food sources for these are in dark green leafy vegetables (Kale and mustard greens, etc) orange fruits and vegetables (like carrots and oranges).I have only listed just a few factors here to show how important nutritional supplements are. Nutritional supplements are normally a combination of vitamins, minerals, and antioxidants. Taking one of the nutrients (like Vitamin C for example) and or one antioxidant and ignoring the rest isn’t good. The vitamins, minerals, and antioxidants all work together to promote a healthy body.Get a list of the vitamins, minerals, and antioxidants from your health care provider. Armed with this information read the labels of the nutritional supplements that you are considering (check several). Your health is too important to not check these. Get high quality nutritional supplements and you are on your way to a healthier life!Find a game plan and if it works, stick with it. I did!

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.