Your gym bag can begin to become a sweaty, smelly mess if you do not properly clean it out on a regular basis. Cleaning it frequently prevents germs and bacteria from forming, and ensures that it and your clothes don’t begin to stink. The last thing you want is to become the smelly guy in the gym!How to Wash Your Gym Bag1) Take everything out of the bag, including the plastic piece in the bottom.2) Give the bag a few hours to air out with nothing in it before you clean.3) Wash the bag down with very hot water and a mild soap.4) Let the bag air dry by putting on a flat surface such as a table.5) After its dry, wipe it down with anti bacterial wipes everywhere including the handles.6) After wiping down, let dry again and you are good to go!7) Re-pack your bag for your next workout with all your supplements from Meathead Mania, including Muscleology.For best results, you should repeat this process about once a month to maintain an optimum level of cleanliness. While this task is a bit time consuming, it is worth the reward. Keeping your workout gear clean is important on a personal level, but you also don’t want to continue to use a gym bag that is full of bacteria. Unfortunately, far too many people do not take the necessary steps to ensure this doesn’t happen. Take the steps today and get on to your next workout.
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.
The Importance of Good Nutrition at Any Age
Nutrition is a complex and fast developing science. Nutrition is the science that deals with all the various factors of which food is composed and the way in which proper nourishment is brought about. Nutrition is part of every family’s health responsibility. Nutrition is the process by which we take in and use food and supplements for health, growth, and energy.NutritionThe national obsession with healthy eating (or at least talking about healthy eating) is translating into a booming business for the companies that restaurants and food processors turn to for performing nutritional analyses of their products.Nutritional management, in the form of a meal plan designed especially for you, will help you to maintain blood glucose levels as close to normal as possible, and maintain or lose weight. Nutritional therapists are increasingly playing a prominent role in helping individuals with their wellbeing. Nutritional therapists call on the latest developments in nutritional thinking and technology to achieve this. And optimal nutritional status is a prerequisite for optimal health. Against a poor nutritional background even exercise can be a stressor, depleting minerals, B vitamins and antioxidants that are not being replacedBody & AgeAfter age fifty there are many metabolic and physiological changes which impact on the nutritional needs of an individual. There are a wide range of reasons why older individuals might not be eating the most nutritious diet which is all the more reason why health professionals and care providers need to be constantly aware of the necessity for maintaining an optimal nutritional health status in the elderly. Nutrition advise for older adults should be designed to respond to the changing physiological, psychological, social and economic capabilities of the individual while assuring that the overall nutritional needs are met with the freedom to keep meals and eating an important aspect to the quality of life during the later years.