Every Great Bachelor Pad Should Have a Great Garden

Unless you’re under 35 or over 65 you might not have noticed that there’s been an explosion in city living. London apartment developments have been popping up all over the capital fed by a growing need for neat single living units and a desire to be where the action is, and at the most within a night bus home.In the UK some 50% of new homes are apartments, a trend that’s found worldwide, and this has led to some unusual trends in garden design and gardening. In particular it has led to gardens on a tiny scale with a new trend in micro gardening including vertical green walls and grow your own. Community gardening in these new neighbourhoods is a big trend that we’re hearing about. But one trend that has gone under the radar is the rise of slick independent male apartment living – old style bachelor pads with a new twist. They want a garden to match their stylish new homes.The rise of these new bachelor pad gardens is led by a few different influences. First of all there is a new sophistication for staying home and if you are entertaining your date then what better than taking them out into your stylish outdoor space, sitting around a fireplace at night time whatever the season. Second climate change in city centres has led to more exotic gardening, if you have a warm micro climate in your London garden then you can grow exotic plants like luxurious tree ferns and sexy jungle plants like canna lilies.The other big influence is technology, serious boys toys for the garden. New LED lighting technology gives a great atmosphere year round and even when it snows what better view than a snow lit landscape. But of course night time garden lighting allows busy city boys to relax in the garden when they get home, have a beer from their slick stainless steel cooling drawer and chill out. Add in a great sound system linked into the internal computerised music feed and an outdoor TV and you’ve got an extension to your small apartment for year round entertainment.A challenge for every small city garden is seclusion, especially if you’re a bachelor entertaining his latest girl or boyfriend. It doesn’t have to be the usual timber fence and the contemporary horizontal trellis that has sprung up in suburban gardens isn’t enough when your home displays your tastes to people you want to impress.And plants are just as important to create that secluded atmosphere. In small gardens every plant counts and it’s important to choose wisely. For the gardener he might sacrifice seating space for planting but for many it’s about low maintenance garden design that means occasional gardening whilst enjoying great simple planting schemes with a peak of interest for the summertime. For the minimalist bachelor pad it might mean a single great Japanese Maple but the clear white branches of multi-stem birches and black bamboo are a popular choice. For the single male interested in emanating Gordon Ramsey or Jamie Oliver there’s also an interest in planting more unusual exotic edibles like Szechuan pepper or Cocktail Kiwis that thrive in the warmth of the city.Whatever their taste for planting and gardening there seems to be a cool modern garden for every bachelor, whether it’s the city banker with his rooftop space for entertaining or the newly independent divorcee retiring into the city rather than out to the country and wanting a city garden to enjoy for gardening and relaxing in. So next time your London garden is looking a bit tired check out the garden of the single male living next door and get a few tips for a fab garden design.

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.

Mary Kay Cosmetics Makeup and Skin Care Product Use

Fascination with makeup occurred at a young age. But when we start experimenting, we don’t always use the best face, body and cosmetic products. This is truly because we can only afford the stuff from the five and dime.As we mature, we learn that our skin requires special attention. It takes a little time and effort to maintain good skin that is glowing and totally flawless. Sometimes, based upon your skin type, special care needs to be taken. Such as a customized products for acne. So you should care for your skin as it asks you to. It shows you what needs to be done to keep it healthy. Mary Kay Cosmetics Makeup and Skin Care Product use enhances and helps maintain good skin.There are five essential steps when using Mary Kay Skin Care Products for good skin results:1. Cleanse: Removes makeup, impurities, excess oil and environmental pollutants2. Exfoliate: Exfoliates dead surface cells to re-texture and refine the skin’s surface3. Freshen: Completes the cleansing process as it helps tone, soothe and re-hydrate the skin4. Moisturize: Increases skin’s ability to retain moisture and forms a protective shield to reduce moisture evaporation and improve skin’s resilience and elasticity5. Protect: Evens skin tone for a flawless finish and shields from the environmentNote: A Moisturizer with Sunscreen SPF 15 helps protect skin from premature aging due to incidental sun exposure.Your skin may also require customized skin care and color products. For instance, you may need to:Smooth and softens fine facial lines, Minimizes the appearance of fine lines and wrinkles, Reduce puffiness under the eyes or have sensitive skin. Mary Kay Cosmetics offers customized products to care for skin that needs additional support in keeping the skin clear.Sensitive skin is defined as skin easily irritated by topically applied products or environmental factors. Be sure that you use a customized skin care and color product that says “suitable for sensitive skin”. Mary Kay Skin Care Product are made for sensitive skin.Blemish-Prone Skin – Acne or blemish-prone skin is a remarkably common skin condition. While many adolescents may experience acne, this condition also can appear for the first time in adults in their 20s or 30s or even later in life. Generally, however, if you had acne as a teenager, you are more likely to have it again as an adult. Eighty to 100 percent of all teenagers have acne to some degree, and an increasing number of adult women also have some acne. It may require a dermatologist’s care.Most Mary Kay Cosmetics Makeup and Skin Care Products have customized skin care products fit the specific skin care needs of most people. It takes a little time to determine what is actually needed by use. Symptoms of extremes in skin types, such as acne, overly dry or oily, can be improved through proper skin care use. It’s very important to remember that skin care products and cosmetics will help the skin look and feel good, but will not cure skin disorders. That’s when dermatology care is worth investigating.Note: In addition, once acne is present, excessive scrubbing or frequent cleansing will not control it, and any rough manipulation of the skin may further irritate and inflame the lesions or even lead to the formation of new acne lesions.When choosing a color cosmetics always go for the latest trends. It’s usually refreshing and fun to make the change. This also ensures assures freshness of the products.Pamper and care for your skin all over. Use the very best in body care. Layer your body care products on the skin before applying the fragrance because it can extend the wear time of the fragrance.Find a fragrance is completely unique and one with “staying power”. Different ingredients come into play in the fragrance at various stages of the perfume’s life on the skin.Perfumers distinguish between the various parts of the fragrance in the following way: The first impression of the fragrance. It is the initial impact of the scent on the sense of smell. The heart of the fragrance unfolds and develops a few minutes after the perfume is applied to the skin. The final impression of the fragrance . It is the most lasting part and can last several hours after the fragrance is applied.That’s because each one can include up to 1,000 different ingredients, which vary not only in how they smell but also in their “staying power” on the skin. Different ingredients come into play in the fragrance at various stages of the perfume’s life on the skin.Remember that the whole body needs care. And remember to make yourself feel special everyday!