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.

Travelling Tips for the Disabled

Unlike in the past, today people with disabilities have been recognized, and are less discriminated against. In many countries there are legislations that protect them and make their life a little easier. Also many public buildings have been designed or renovated in order to accommodate people with disabilities.With all these improvements, people with disabilities are now able to travel for vacation or a business trip to places far away from their home. However, with all these improvements we have made, travelling for people with disabilities is still a challenge for them, especially when they are travelling alone or, they are travelling to an unknown destination. Below is a guide to help people with all forms of disabilities to travel safely.1. Plan well in advance
Planning is key to any form of success. This is very important because it reduces chances of getting stranded and being inconvenienced. Booking flights and hotel rooms are the top priorities, however if you are going to stay at a friend’s or a relative’s house; notifying them in advance is very important. Then they can be prepared and even pick you up from the airport.2. Book hotels that are disabled friendly
Hotels with disabled friendly structures are very convenient as they allow disabled individuals to move freely with minimal effort. Most of these hotels also have special emergency protocols that ensure disabled individuals are not left behind in case of an emergency, unlike some hotels where these issues are over looked.3. Use a travel agent that offers travel packages for disabled travelers
Booking flights and hotel rooms with travel agents that offer travel solutions to disabled people is advantageous in a number of ways. They ensure they book for their disabled clients airlines and hotels that are disabled friendly. They strive to offer services and suggestions that will ensure their clients travel comfortably.4. Understand and know your rights when at the airport
Travelling, for people with disabilities, is very hectic, especially when they arrive at the airport. They face the challenge of getting proper information and directions. This is further aggravated by the huge number of people traveling and long queues. In airports, there are attendants that are supposed to attend to the needs of those travelling with disabilities.Disabled travelers should not, and are not, treated differently when they go through security measures. They are also protected from any form of discrimination from any airline. Disabled travelers are advised to be very conversant with their rights to avoid and report any form of discrimination when travelling.5. Bring extra medication
There is no harm in carrying an extra dose of medication when travelling. People do lose their luggage as they travel so, having an extra dose will act as a backup when one dose gets lost. This also ensures that when travelling, a disabled person does not run out of their medicine forcing them to start looking for a drug store when travelling. These medications should be stored properly to ensure their safety.6. Take a doctor’s note and contact information when travelling
A doctor’s note contains important information about a condition that a disabled person is facing and this will help doctors save a lot of time on tests in case of an emergency. Contact information for your doctor allows other doctors to get important information from your doctor should the need arise. This small, but vital, information can save lives.7. Use direct flights
It is very hectic and tiresome for a disabled traveler to use connecting flights. Using connecting flights exposes them to loss of their luggage and even injury as they get in and out of a plane. Using a direct flight cuts all these risks down and saves a lot time and energy when travelling. Direct flights also ensure that those travelling with disabilities are not stranded in an airport as they wait for a connecting flight.8. Disabled travelers are advised to have some knowledge about where they are travelling to
There is nothing more difficult than looking for directions to a place you do not know about. This is even harder for disabled travelers so, it is advisable to have at least some knowledge and understanding about their destination. This will give them an upper hand when moving around and the knowledge to know where to go and where not to go. This will be very helpful when they are stranded or experience an emergency situation and need urgent assistance.9. Carry the appropriate luggage
Disabled travelers are advised to carry luggage that they can manage when they are travelling. Unless they have company, travelling with a huge amount of luggage is not easy. Traveling lightly enables disabled travelers to be more flexible to situations that arise besides, a large amount of luggage can also easily get lost.10. Enjoy travelling
Many disabled people do not travel often because of a lot of limitations which discourages them. However modern technology ensures safe travel for all regardless of their condition. Travelling should be enjoyed by all since it is a chance to experience new things that are different than what they are used to.

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.