Can You Wear Casual Clothes Clubbing?

My answer is…why not? Now, let’s take define casual clothes for a moment here. Casual is defined as relaxed, comfortable, sporty, laid-back and informal. Now, if that’s the case, I don’t see a problem with wearing casual clothes clubbing. Obviously, we want to look good when we go clubbing because of the fact that we either want to attract the opposite sex, look classy or perhaps keep our image intact.But I have seen lots of women and celebrities who look fanta-bulous in casual clothes in clubs too. In fact, what you can do is flip through some magazines and you’ll soon see that even celebrities wear casual clothes clubbing. The point is that we’re comfortable in the casual clothes that we wear and don’t compromise the way we look.First off, the casual clothes that you choose to wear to go clubbing should have nice colors. If you feel like it, wear something with attractive prints. Perhaps, with a popular saying or an expressive t-shirt or something. Casual clothes that give you a personality boost. Casual clothes that gives you character – no, let me say that again, casual clothes that enhance your personal character.As long as you don’t choose casual clothes that are either too baggy and the casual clothes should make you look neat and presentable. When you’re wearing casual clothes clubbing, slippers, sandals and sports shoes are totally out of the question, regardless of the attire. The belts and accessories that you have on with your casual clothes will definitely make a big difference to your clubbing experience. Try a nice little casual tank top with cropped khaki pants with large hoop earrings for a change.You’re not expected to be able to afford the kind of clubbing clothes that a CEO or royalty can afford but it’s essential that you invest in good quality casual clothes for clubbing. The bottom line is your clubbing casual clothes should never be your gym clothes or jeans. Well, ok, sometimes you can pull it off with nicely pressed casual clothes with jeans.

Alternative Financing Vs. Venture Capital: Which Option Is Best for Boosting Working Capital?

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?

Online Business Training Videos

With the rise in unemployment and fewer and fewer jobs out there to compete for, it is time to start thinking about alternative ways of earning an income. Operating your own online business could be the right move for you. Investing in a set of online business training videos will show you how to generate income and be very successful at it.Why work for someone else when you can put in the effort and make money for yourself. The profits and rewards will be yours to enjoy. Owning your own successful internet business and operating it online would be more than a dream come true. It could be the answer to your wants and prayers. Making money online is one of the easiest and surest paths to a new life with all the trappings of a successful entrepreneur.Starting an online business is a convenient and cost effective way of generating money from the comfort of your own home. All you need is a computer with internet access and services. You will need to also understand that there will be some work involved.You do not have to be an expert in making goods you just have to know what people want and set about providing them with good quality service. There are so many online business opportunities for you to choose from. The world is changing so fast and people are always looking for their needs to be satisfied.Not many people want to spend all day walking around shopping malls to find that special something and neither do they want to use us a lot of valuable time looking for the best deal and the right price. All of those shopping methods can take up too much valuable time and energy. This is where you would find a demand from people who want the goods at a reasonable price without all the legwork involved. More and more people are turning to the internet to do their shopping. You could be one of those people they turn to.An online business is a worldwide business. Potential customers can come from anywhere. They can access your business and all that you have to offer at the press of a button. You will not have to be pay costly overhead for a shop on the busy street in the center of town. That is a thing of the past. An online business is the way to do business in the 21st Century and in the future.Online business training videos are what you need to start changing your life right now. They will give you all the information and knowledge needed to get you moving in the right direction very quickly. You will learn how to unlock the potential that is out there waiting to be tapped into. There are countless business opportunities waiting for you. You just need to know what they are, choose the one that suits you and then follow your passion. Your passion will lead you to achieve the business success you are dreaming of. This dream is only one online business training video away.Why not give it a go? You have everything to gain and absolutely nothing to lose.