What We Have Here Is A Failure To Communicate

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.

Skin Care Tips For Healthy Skin Rejuvenation – And Not a Skin Care Product in Sight

Healthy skin care for beautiful skin is all about taking care of your skin from the inside. It’s less about what skin care products you put on your skin and more about what you do to keep it healthy. Healthy skin will always be beautiful skin.Ten per cent of skin ageing is intrinsic, being dependent on your genes. Look at your parents: how has their skin fared as they’ve got older? They are a good indicator of how you might expect your skin to age. Eventually everyone looks older, but some age sooner than others.Other factors – extrinsic, or lifestyle, factors – such as smoking, stress, bad diet and the weather can literally leave their mark in the form of lines, sags and wrinkles. The good news, though, is that you can take charge and choose which ones are going to affect your skin’s ageing by being careful about exposing yourself to the sun, never smoking, sleeping well, eating healthily and avoiding toxins and pollutants.Skin Care Tips 1 – Protect Skin From The SunUp to 80 per cent of premature ageing is caused by overexposure to the sun’s harmful ultraviolet rays: a completely preventable source of ageing. Sun damage causes collagen and elastin to degenerate, as a result of which the skin sags and takes on a leathery appearance and texture, age spots develop and coarse wrinkles and broken blood vessels appear on the skin’s surface.Sun damage over the years can develop into skin cancer, which may stay invisible for 20 years or more. For all these reasons it is vital that you protect your skin, especially the skin on your face, with a sunscreen containing a minimum sun protection factor of 15 (SPF15). (Note that, because of the way in which sunscreen works, it is never necessary to use a higher factor than SPF30, whatever the conditions.)Skin Care Tips 2 – Stop SmokingAs well as polluting your body with thousands of toxins, smoking takes its toll on the skin. As a result, smokers age badly. Smoking promotes the formation of free radicals in the body, which affect skin renewal at a cellular level, as well as restricting the circulation to many areas of the body, thereby starving the skin of the vital oxygen and nutrients it needs for a healthy complexion.Many smokers develop lines that run from their mouth to their nose and have hollow cheeks from the inhaling motion. If that’s not enough to put you off smoking, the fact that it also discolors the skin, hair and nails might be.Skin Care Tips 3 – Steer Clear Of ToxinsToxins found in polluted air, drugs, pesticides, food and food additives, and chemicals are eliminated from the body by the liver, kidneys and lymph system. Good skin depends on healthy blood getting to the dermis and filtering the toxic waste away. An insufficient blood supply or blood high in toxins or accumulated waste under-nourishes and overloads our systems. The skin then becomes a dumping ground for excess unfiltered toxins, which produce free radicals. As a result of toxic overload, we often see deep furrows between the eyes and puffy under-eye bags. But the solution lies in your hands: steer clear of toxins in the first place, boost your circulation and detoxify your body.Skin Care Tips 4 – Get A Good Night’s SleepWe need beauty sleep so that our faces and bodies can relax and de-stress. Go to bed with a clean face for eight hours’ sleep to give your skin cells the chance to regenerate. A lack of refreshing sleep or any kind of sleep deprivation shows itself as saggy eyelids, bags under the eyes and dark under-eye circles, along with a pallid complexion. Keep your bedroom well ventilated and not too dry, otherwise your skin’s moisture will evaporate during the night, giving you dry skin.

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.