Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.

Business capital requirements in Canada often boil down to some basic truths the business owner/financial mgr/entrepreneur needs to address when it comes to financing for businesses.

One of those truths? Knowing the true state of their financial condition and what financing they do and don’t qualify for when it comes to meeting commercial lending requirements in Canadian business.

Business Loans In Canada

Whether you are smaller or start-up firm looking for information on how to get a business loan or a larger established firm looking for growth financing or acquisition opportunities we’re highlighting 3 mistakes that commercial loan seekers like your company need to avoid making when addressing, sourcing and negotiating your cash flow / working capital and commercial financing needs.

1. Understand the true condition of your company finances – These are almost always successful addressed when you spend time on your financials and understand how your financial statements reflect your access to commercial loans & business credit in general

2. Ensure you have a plan in place for sales growth and financial needs as it relates to commercial financing

3. Understand that actual hard facts about cash flow which is, of course, the lifeblood of your company

Can you honestly answer or feel positive about all those 3 points. If so, pass Go and collect $ 100.00!

A good way to address your company’s finance plans is to ensure you understand growth finance solutions, as well as how to manage in a downturn – i.e. not growing, losing money, etc; It’s never fun to fund yourself in an economic or industry downturn such as the COVID pandemic of 2020!

When we talk to clients of new or established businesses it seems they are almost always talking about sales, so the ability to understand and focus on the differences in their profits and cash fluctuations is key.

How do cash flow and sales plans and projections affect the type of financing you require? For one thing sales growth usually starts out by consuming your cash, not generating it. A poor finance plan will drag your business down and addressing financing simply gets tougher and tougher.

Three basics always emerge when it comes to your search for the right business capital and financing.

1. The amount of financing you need

2. The type of financing (debt/cash flow/asset monetization) The business loan interest rate will be dramatically affected by whether you choose traditional or alternative financing solutions. Private business loans in Canada come from non regulated commercial finance companies most often known as ‘ alternative lenders ‘. These lenders are typically highly specialized in one ‘ niche ‘ of business financing and may be Canadian firms or branches of U.S. banks and non-bank lenders

3. How the financing is structured to be manageable with your day to day operations

What Finance Company In Canada Can Meet Your Borrowing Needs & Why Is Capital Important In Business

Let’s identify and break down key financings your firm should know about and understand if they are applicable and achievable to your business. They include:

A/R Financing / Factoring / Confidential Receivable Finance

Inventory finance / floor planning / retail inventory

Working Capital term loans

Unsecured cash flow loans

Merchant working capital loans/advances – these loans are geared toward short term cash needs and are typically one year in duration. Loan amounts are typically 15-20% of your annual sales revenues.

Royalty finance

Asset based non bank business lines of credit

Tax credit financing (SR&ED bridge loans)

Equipment Leasing / Sale leasebacks – Equipment financing in Canada is used by almost 80% of all companies looking to acquire new, and used, assets.

Govt Guaranteed Small Business Loan program – Government Loans in Canada are sometimes referred to as ‘ SBL’, aka Note: BDC Finance solutions are available from this Canadian non-bricks and morter crown corporation. A small business loan via the government-guaranteed loan program comes with true flexibility around term loan duration, market rates, no pre payment penalties, and of course the low personal guarantee that is required by borrowers. These two ‘ government ‘ loan solutions are often perfect for financing a new business.

If you’re focused on not making mistakes in your business finance needs and want to capitalize on the solutions your competitors are probably already using seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your cash flow and commercial financing needs.

Stan has had a successful career with some of the world’s largest and most successful corporations.

His employers over the last 25 years were, ASHLAND OIL, ( 1977-1980) DIGITAL EQUIPMENT CORPORATION, ( 1980-1990) ) CABLE & WIRELESS PLC,( 1991 -1993) ) AND HEWLETT PACKARD ( 1994-2004 ) In 2004 Stan founded 7 PARK AVENUE FINANCIAL – He is an expert in Canadian Business Financing.

Optimum nutrition is considered to be a revolution in health care. When you fuel your body with optimum nutrition, you are giving yourself the best possible intake of nutrients to enable your body to function and be as healthy as possible. The nutrition is what helps your body perform all sorts of basic functions…detoxification, strengthens your immune system, provides natural antioxidants, and provides digestive enzymes…to name a few.Preventing or reversing disease-states is but one more function of optimum nutrition. Science is showing us every day that nutritional deficiency is contributing largely, if not actually causing, illness and disease in our bodies. But optimum nutrition is about more than just keeping disease and illness at bay. It is about living optimally, where we have room to stretch our physical, mental, and spiritual “muscles” to the full, without overstepping the threshold at which cellular health in any of the systems of the body becomes threatened.Your nutritional goal should be to give yourself the best possible intake of nutrients to enable your body to function and be as healthy as possible. Optimum nutrition consists of eating the right amounts of nutrients on a proper schedule to achieve the best performance and the longest possible lifetime in good health. When you are providing the proper balance of nutrients to your body, your daily diet will consist of the right quantities of protein, fat, carbohydrates, vitamins, minerals, and fiber to maintain a healthy body and to sustain the desired level of activity for the best quality of life.Apart from being essential to general good health, optimum nutrition is so fundamental and powerful that it can speed healing and improve weight, energy, immune functions, sleep, mental acuity, feelings, attitude and just about any aspect of your being. It is a state of profound physical, mental and emotional well-being. Optimum nutrition is within all of our grasps; it starts with a commitment to a lifestyle.HEALTHHealth is not merely the absence of pain or tension, but it is a joy in living; a real appreciation of what it is to have a healthy body with which to experience the many pleasures of this world. While it may sound simple…this isn’t an easy task.Because of the nature of processed food and depleted soils, most nutritional experts believe that the current diet provides enough vitamins and minerals for survival, but not for optimal health. Minimizing the intake of processed foods is essential for restoring your digestive health.Many health benefits are due to another group of health-promoting nutrients called phytochemicals, which are found in fresh, raw fruits and vegetables. Now, that’s coming back to the basics. Yet many people continue to be surprised that something as simple as coming back to basic nutrition, balancing your diet, and keeping healthy can go a long way to relieving daily aggravations such as skin problems, slowing down signs of aging, and keeping you looking better year after year.QUALITYSo, the fact is that food is not only vital fuel, but also fundamental “medicine”…and it is vital that we pay attention to the quality and quantity of fuel that we feed our bodies. Optimum nutrition helps the body to cleanse and repair itself, restore energy levels, rebalance hormones, the blood sugar level, brain chemicals, and generally improve one’s quality of life. The quality and balance of our food intake is therefore a key factor in determining our overall health.In whole foods, you will find the greatest concentration of quality nutrition per calorie of intake. Research has shown that optimum nutrition is achieved through the eating of a variety of natural foods that are packed with vitamins and minerals. It is about finding the foods and nutrients that will help you achieve better health and vitality, and avoiding those that may not suit you. Once optimum nutrition is in place, you can look forward to a consistent high level of energy, emotional balance, alertness, physical fitness, resilience against infectious diseases, and longevity.SUMMARYIn short, optimum nutrition is about providing the body cells and tissues with the vitamins and minerals they require to function to their best ability. I am now completely convinced that the concept of optimum nutrition is the greatest step forward in “medicine” for over a century, no less important than Louis Pasteur’s discovery of disease-causing germs or the discovery of genes. If this lifestyle of optimum nutrition is applied from an early age, it is likely to be your best guarantee for a long and healthy life.You should, of course, consult with your health care professional before starting any diet, exercise, or supplementation program. The information provided in this article is for informational purposes only and is not intended as a substitute for advice from your health care provider. Just make sure that you do your own health research as well…it will be a learning experience for which your body will thank you with improved health if you diligently fuel it with optimum nutrition on a daily basis.