More Freedom With an Online Business

Wouldn’t you want to wake up when ever you want, spend more time with your children, hang out at home or go to the mall when ever you want? Wouldn’t you want to sleep in as much as you want or take a vacation if you want? Would you like to have more control over your life? Would you like to dictate when and how to work? If you answered yes to these questions, the solution is starting an online business. When you start an online business, you get a lot of business and flexibility and freedom. You pretty much own your time. You don’t have to worry about clocking in somewhere, working 9 to 5 or whatever the regular schedule is. You can pretty much do what you want. You can go offsite, hang out at Starbucks while working or work while enjoying the sun at the beach. The good news is that online business owners have done this ahead of you and they are doing it now. There is nothing stopping you from joining you. If you are still not convinced, here are the top 3 reasons why you should start an online business.1. Future-proof
It is easier to future-proof your online business than an offline one. With an offline business, your costs are fixed. Office rents, insurance and employee costs are fixed. The problem is when businesses go through up and down cycles, you might get crushed. In other words, you didn’t contingency-proof your business. With an online business, you have a lot more of flexibility with your costs so you can take more shocks. More importantly, you can adapt to these changes. So your business survives through the challenges.2. Your personal life
You can devote more time to your passions when you don’t have to stick to a schedule or report to a particular office. You can learn a new skill, go back to school, spend more time with your children, put in more time with your church or anything that is important to you when you have an online business. Your online business makes money while you are sleeping.3. Scalability and flexibility
Some online businesses are more scalable and flexible than others. Some allow you to work only once but make money many times over based on that one time you worked. For example, if you sell online books, you only worked once to write, but you make money many times over when people buy it. Do you see where I am going with this? So you have to figure out a way if you want greatest freedom and flexibility to scale up your business in such a way that you don’t have to work again to produce that income. There are many business models online that meet this need.

Maternal Nutrition is the Secret of Healthy Pregnancy and a Healthy, Well Developed Baby

Every mother wants to have an easy, uncomplicated pregnancy and a healthy child. Unfortunately, more and more women experience pregnancy complications, such as anemia, high blood pressure, thyroid problems, diabetes, premature delivery, and low birth weight.More children are born with birth defects and many of those who appear normal at birth go on to develop health problems later in life.One in 10 kids will have ADHD, one in 150 will become autistic. Children are affected by anxiety, depression, and bipolar disorder. Kids develop type 2 diabetes, which was unheard of just 20 years ago.Experts agree that most of these problems can be reduced and even prevented by proper nutrition during pregnancy.Mother’s nutrition has an affect not only on the pregnancy and on the infant’s birth weight, but even on the risk of birth defects, pregnancy complications, maternal illness, and future diseases when the child becomes an adult.Nutrients reduce pregnancy complications and birth defectsStudies show that proper diet and nutritional supplements, such as fish oil, vitamins C and E can prevent mother’s illness during pregnancy and premature birth. Vitamin A and beta-carotene along with magnesium, fish oil, and zinc can reduce maternal mortality. Iron and folic acid reduce anemia. Calcium reduces the incidence of pre-eclampsia and high blood pressure.According to the Journal of Nutrition:”Numerous studies support the concept that a major cause of pregnancy complications can be suboptimal nutrition.”"Frequency and severity of pregnancy complications may be reduced through an improvement in the nutrient status of the mother.”"Maternal nutritional deficiencies …may be significant contributors to the occurrence of birth defects. “Maternal nutrition will affect the rest of the child’s lifeMedical research shows that good nutrition during pregnancy and childhood can reduce baby’s risk of future cancer.Proper maternal nutritional supplementation can reduce the risk of diabetes later in child’s life.Certain specific deficiencies (for example magnesium) can also increase the risk of future diabetes.Even the risk of future osteoporosis (in a baby when he or she becomes an adult) is determined by “maternal nutritional status during pregnancy” and especially by vitamin D deficiency, which is very common.Most pregnant women are deficientUnfortunately, most pregnant women are deficient in vitamins, minerals, amino acids, and omega 3 fatty acids.Omega 3 fatty acids, especially DHA, are part of the brain, central nervous system, and the retina. A baby needs them for normal development of the brain and the eyes.Premature infants are more likely to have ADHD, depression, and schizophrenia, because their brains did not have a chance to fully develop and incorporate all the DHA it needed. On the other hand, children of mothers who eat large amount of fatty fish have better intellectual development and higher IQs.The problem is that almost 90% of women do not get even the minimal amount of DHA. Many women are deficient in folic acid, despite food fortification. Deficiencies of magnesium, calcium, iron, vitaminsC, D, E, and many other nutrients are very common, which can jeopardize the health of both the mother and the baby.Don’t count on prenatal multivitamin – it does not workThe sad truth is that a typical prescription prenatal vitamin does not correct most deficiencies, which are extremely common in pregnant women.Prenatal multivitamin is a poor source of nutrients. All the ingredients are synthetic, so your body cannot use them the way it uses natural nutrients from food.Plus it is loaded with chemicals, such as crospovidone, FD&C Red No. 40 aluminum lake, hydroxypropyl methylcellulose, lactose, magnesium stearate, mineral oil light, polysorbate 80, sodium lauryl sulfate, stearic acid, syloid, titanium dioxide and triethyl citrate. Neither you nor your baby need these chemicals. They do not help, but can only cause harm.How can you be sure to have the most optimal nutritionEat a good diet. This means eat natural foods. Oatmeal is natural, but cereal made from oats that looks like little doughnuts is not. Steak is natural, but luncheon meat is not. Eggs are natural, eggbeaters are synthetic unnatural junk.In other words, eat food the way it is naturally produced and avoid processed, man-made foods. This usually means avoiding anything that comes in boxes, cans, and plastic packages and anything that has expiration date months from today. Real food spoils, junk food is loaded with preservatives, so it can last for a long time.Eat fruits and vegetables, nuts and seeds, berries, meat, chicken, lamb, eggs, cheese, butter, and any other natural food that you like. Seafood and fish are usually OK, but eat large fish (salmon, tuna, etc.) in moderation because of potentially high mercury content.Try to minimize soda, ice cream, cookies, white bread and white rice, most breakfast cereals, and any other processed foods.But even eating a good diet may be leave you deficient in important nutrients. That is why I recommend nutritional supplements.As I mentioned, prenatal vitamins that you doctor prescribed is nothing but junk. It is a combination of synthetic chemicals, some of which may even be harmful for the developing baby.You should take only supplements that are made from real food. There is a company called Standard Process that has been producing food-based supplements since 1920s. They grow fruits and vegetables on their own certified organic farm. They dehydrate them using a patented low-heat high-vacuum process that retains all the nutrients. Think of it as turning a grape into a raisin. Raisins have all the same nutrients as grapes, except for water.They also use organ meats (liver, kidney, etc) from organic cows because they have very high nutrient content. They combine different ingredients to create various nutritional supplements. There is nothing artificial, no preservatives, no chemicals, only real food with real nutrients.It is never too early or too late to start. Whether you are just planning your pregnancy or are in the 3rd trimester, you need proper nutrition at every stage.This is the program I recommend to my patients:· Catalyn – a natural multivitamin/multimineral made from 12 different foods· Folic Acid B12 – for extra folic acid and B12· Ferrofood – natural organic iron· Calcium lactate – natural calcium and magnesium from beats· TunaOmega oil – naturally pure source of DHA and EPA, guaranteed free of mercury, PCBs, and other chemicalsAll these are from Standard Process. They are only available through health practitioners, so go on their web site and find a doctor near you. Or you can call my office at 718-769-0997 if you cannot find anyone locally.The important point is this. If you want to have a healthy, uncomplicated pregnancy and a healthy, well-developed baby, eat real food and take food-based nutritional supplements.

Business Capital Solutions In Canada: Accessing Proper Cash Flow & Commercial Financing

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.