Health is man’s lifetime wealth. Keeping the body healthy and strong must be part of every individual’s priority. As you can see, having a physically fit body enables an individual to do his tasks effectively without any delay. Moreover, it allows him to persevere and do his best towards the realization of his goals and dreams. Keep in mind that having a healthy body is the only key for survival and so it must be given with much attention.If the body is weak, the mind cannot do its task well. And if the mind is not working, the body becomes weak and seems to have lost its energy. These are just the effects if an individual’s body and mind is not coordinated. This is what happens if all the aspects that make up an individual are unhealthy. There has been health news of people experiencing health illnesses due to stress, over fatigue, depression, living a sedentary lifestyle and having habits that are hard to break. They are better known as people who are abusive and just takes for granted their health.When an individual experiences health illnesses, the body as well as the mind are not working well due to the rapid spread or attack of viruses and bacteria inside the body. If an individual has a weak immune system, definitely it will be easy for the unknown viruses to harbour inside the different body organs and thus will lead to death if left untreated. It is sad to hear that many have been left untreated with their illnesses due the reason that there is no cure for the disease or there are no enough financial resources that will fund for the hospital expenses.The problem with most individuals right now is that they take for granted the chances of making the body healthy. Aside from that, they do not take into consideration the consequences of their actions for instance when they smoke. Smoking brings different health illnesses and is one of the major factors that contribute to the development of a disease.If you are greatly concerned over your health, you must learn to value it. Be open to changes and open your doors for different health activities such as exercising, being actively involved in a certain sport and performing simple relaxation techniques. Another helpful tip that will make you achieve good health is through listening to health news and reading medical journals that way you will be informed the latest on how to effectively care for the self.There are plenty of ways wherein you can be updated with the latest medical news. You can be informed and be alarmed when you listen to breaking medical news when you watch television or when you listen to the radio. You can read magazines, newspapers and journals focusing on an individual’s health. There is even plenty of health news when you will simply surf the internet. One click and all sorts of health news and updates will be seen and laid right in front of you.As of this point, it is already very dangerous to get sick. It is more stressful when we deal about expenses and how we could ever find cure. It is really important that you pay attention to all the dimensions of your life. Do not just rely but rather be always on the go and move so you can survive.
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.
Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?
Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices to pick from.There is a lot more to a name then may realize. Calling yourself an agent or sales agent makes you sound run of the mill. It also projects the sound of a salesman trying to sell you something. Few people enjoy feeling a person is selling them anything, it stinks of pressure. This is why in this list of different terms you will see how high words like specialist, expert, and professional rank. The prospect gets a completely new perspective, just by the title you give yourself! Prospects closely take notice when an agent jointly works with them in reaching a decision on what is the best plan of action. Prospective clients want to feel like they are part of the decision process.Important internet search tip: to get an accurate count use quote marks around your term, “insurance specialist” will only give you that term in that exact order. Without the quotes you would also get all instances of people searching terms such as specialist insurance, specialist in writing insurance claims, specialist in automobile insurance sales, etc.To give this article value, in front of each of the insurance agents distinctions is the number of current Google listings. This way you can easily see how often internet views “insurance agent ” look-up terms like specialist, planner, representative, and. advisor. Please remember the Google count figures often change daily.1. 10,600,000 = financial advisor2. 6,690,000 = insurance agent3. 4,280,000 = financial planner4. 2,120,000 = investment advisor5. 1,780,000 = insurance agents brokers6. 1,600,000 = investment adviser7. 999,000 = insurance guide8. 735,000 = insurance specialist9. 638,000 = financial expert10. 604,000 = financial professional11. 590,000 = financial specialist12. 513,000 = life pro13. 433,000 = insurance professional14. 431,000 = health insurance agent15. 322,000 = insurance expert16. 271,500 = insurance salesman17. 269,000 = life professional18. 268,000 = life insurance agent19. 253,000 = insurance consultant20. 252,000 = insurance advisor21. 244,000 = insurance sales representative22. 219,000 = insurance manager23. 218,000 = estate advisor24. 217,000 = insurance executive25. 189,000 = estate planner26. 186,000 = independent insurance sale27. 179,000 = insurance sales agent28. 155,000 = insurance seller29. 130,000 = insurance producer30. 126,000 = investment representative29. 120,000 = insurance authority30. 119,000 = insurance representative31. 112,000 = life agent32. 107,000 = life insurance specialist32. 104,000 = life specialist33. 102,000 = insurance adviser34. 89,900 = insurance sales manager35. 86,200 = licensed insurance agent36. 85,200 = insurance manager37. 71,000 = health agent38. 66,600 = insurance pro39. 65,100 = insurance sales rep40. 60,000 = insurance designer41. 59,400 = insurance sales person42. 55,600 = life consultant43. 54,500 = group agent44. 52,200 = ins agent45. 50,100 = estate adviser46. 50,000 = insurance pros47. 46,800 = insurance counselor48. 43,800 = financial pro49. 43,400 = insurance salesperson50. 40,200 = insurance sales specialist51. 37,700 = life producer52. 37,000 = insurance sales executive53. 35,400 = independent insurance brokers54. 34,700 = long term care professional55. 34,500 = financial planning advisor56. 33,900 = medical insurance specialist57. 31,300 = health insurance professional58. 29,300 = life insurance expert59. 29,000 = insurance rep60. 28,900 = financial planning advisor61. 27,500 = health insurance specialist62. 26,000 = health insurance advisor63. 25,500 = independent insurance professional64. 24,700 = employee benefits specialist65. 24,000 = life advisor66. 22,900 = life insurance advisor67. 21,800 = life insurance sales specialist68. 19,900 = life insurance professional69. 19,300 = insurance producer70. 19,200 = licensed financial planner71. 16,200 = health insurance producer72. 14,900 = insurance sales consultant73. 14,000 = term life insurance broker74. 12,800 = long term care specialist75. 12,700 = annuity specialist76. 12,500 = estate planning specialist77. 12,200 = insurance marketer78. 11,950 = life insurance representative79. 11,900 = insurance planner80. 10,600 = insurance sales professional81. 10,400 = life insurance advisor82. 10,200 = insurance writer83. 9,650 = insurance recruiter84. 9,480 = financial planning advisor85. 9,030 = estate planning advisor86. 8,570 = annuity broker87. 7,520 = insurance general manager88. 7,070 = insurance trainee89. 6,800 = long term care insurance specialist90. 6,670 = term life insurance agent91. 6,440 = long term care insurance agent92. 5,870 = licensed life agent93. 5,300 = financial insurance agent94. 5,270 = annuity agent95. 5,080 = ins professional96. 5,030 = medical insurance professional97. 5,010 = disability insurance agent98. 4,990 = employee benefits professional99. 4,430 = mortgage insurance agent100. 4,200 = disability insurance specialist101. 3,900 = long term care agentFor your own sake, never tell prospective clients that you are one of 1,500,000 insurance agents licensed to sell life, health, annuities, and financial policies. The term insurance specialist or insurance professional immediately makes your prospect more confident of your abilities. However, please do not use the overused and abused terms of financial planner or estate planner unless you actually are qualified to be one.If case, you are interested, here are more titles with over 1,000 Google entry occurrences that did not make the top 101 list. They include group health professional, ins specialist, insurance marketing representative, health insurance adviser, ins representative, term life insurance specialist, mortgage life insurance agent, insurance marketing specialist, disability insurance broker, life ins agent, term life agent, senior market specialist, life investment adviser, MDRT insurance agent, and insurance saleswoman.Should you want to get more attention on major search engines like Google, Yahoo, and Ask, here are some tips. On the front of your website entry page, use the title and first line to put a more descriptive term about the services you provide. Rather than announcing “insurance agent for many products”, try this, “medical insurance professional and disability insurance specialist.” Both these titles only have about 5,000 competing entries, which could include 3,500 to 4,000 weak ones each. Now it depends on following the advice given, and internet search engine skills you possess. An internet searcher might now find you in the top 100 listings for each of the terms! On an “insurance agent” search, with well over 6,000,000 listings, it might take a 24/7 week to find you listed toward the end of the heap.