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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.

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.

Online Health Food Stores have become a one-stop shop for health drinks and all natural foods that you can’t find in typical supermarkets or even retail health food stores. While it’s difficult these days to determine what items are really healthy and “natural” by looking at labels, online health food stores often have far more in-depth information available to consumers. Many times, products like health drinks may have only one natural ingredient, but still be labeled, “natural”, which does not always mean they’re healthy. This can be confusing for health conscious shoppers who want the highest quality nutrition.Online health food stores are often much more thorough in describing the true nature of their health drinks and other products. They go to great lengths assuring customers that things like preservatives, isolated vitamins, artificial dyes or sweeteners are not included in their all natural foods and health drinks. They investigate the manufacturing facilities and processes to be certain that products are processed at low temperatures to maintain the whole food structures and live enzymes inherent in truly natural ingredients. Unfortunately, some of the so-called health drinks and all natural foods at typical stores are devoid of nutrients because of the processing and pasteurization in the packaging processes.There has never been a better time to discover a new way of shopping for healthy products. Here are a few examples of things you will find at an online health food store that may appear the same as typical store bought items on the surface, but are vastly different in the way they are processed:* Vitamins – At the online health food store it is more likely these are whole food vitamins, not isolated vitamins, which will give you more effective absorption of nutrients directly into your cells.* Natural low carb and high fiber foods – These are not fake-food substitutes, but real, all natural food formulas prepared with long-term results in mind.* Health drinks and teas – Not enhanced bottled waters or candy colored sport drinks, but herbal beverages with whole food ingredients and live enzymes.* Alkaline Foods and Drinks – Unlike overly processed foods and drinks that create an acid ash in the bloodstream, alkaline foods and drinks support a healthy pH balance, so you can avoid health problems such as bone weakness and arthritis.* Nutrition for athletes and pregnant women – Concentrated with many pounds of natural ingredients to produce one pound of finished product, these online health food store products provide more power in fewer calories.Many of the all natural foods and health drinks from an online health food store are likely to contain ingredients that have been grown on small farms or even in the wilderness, without the use of harmful pesticides and chemical fertilizers that are robbing our foods of real nutrients. This is far different from mass-produced products made with so-called “natural” ingredients that have been manufactured on giant factory farms with artificial fertilizers and dangerous pesticides.If you wouldn’t use it in your own garden, then you probably won’t find it in products grown for all natural foods and health drinks at an online health food store. You would be surprised to know how many non-organic foods, and even some labeled as “natural”, have been grown that way. The United States Department of Agriculture defines organic food as produced by a farmer practicing soil and water conservation. In addition, they must make use of renewable resources in order to protect the environment for future generations. These are the types of all natural foods and health drinks that you will find at a reliable online health food store.Today, some people avoid healthy lifestyle choices because they think the cost is too high or that alternative choices will rob them of modern day conveniences. However, it is important to realize that modern technology can bring those conveniences to anyone with Internet access. If you can Google, you can find an “online health food store with all natural health drinks”. Don’t fall into the unfortunate trap of not making the switch because you believe that you can’t afford all natural foods and health drinks without making major sacrifices. It won’t matter if the weather is bad or if you don’t have time to get to the market. It’s easy to order health drinks and other items from an online health food store with more detailed information on what you are buying than you could ever get from a typical store.As consumers, we know that it is time to restore ourselves with nature. The quick fix and shortcuts that have rooted us in our everyday lives no longer serve us well, if they ever really did. This is not a passing fad. It is a wake up call that you see more and more as online health food store owners are leading the way for a green generation to discover a better way of shopping for truly all natural foods and health drinks.