Did you know that some skin care products are actually classified as drugs not cosmetics? Some skin care ingredients can actually change the structure of skin which may be more than you originally bargained for.In order to protect your skin it’s important that you pay attention to ingredient labels. Some skin care products are laced with harmful chemicals that can actually damage your skin The problem is that finding out whether or not a product will harm your skin takes a bit of investigative work.Those skin care products that claim to reduce lines, change wrinkles, or alter your face in any manner may be doing a lot of damage. Various products are actually considered a drug by the government for the sheer fact that they contain lots of harsh chemicals.Even more frightening than the fact that some skin care products may actually ruin your skin is the fact that some products aren’t even considered drugs…even though they have skin altering ingredients. These products are often called “cosmeceutical” products within the skin care world.Cosmeceutical products actually change the biological makeup of the skin In short, these products will do a lot more than change the look of your skin ..they will actually change your skin’s elasticity. If you don’t want to apply products that can damage your skin it is best to purchase on natural skin products.Skin care can be quite complex given the fact that there are so many conflicting points of view out there. Some people will tell you to purchase products that contain chemicals, while other people are against any kind of chemical skin care product. So, what are you supposed to do?You can begin by searching for skin care products that only contain ingredients you can pronounce. This may seem silly, but if you can’t actually say the names of the ingredients inside of a product, you shouldn’t be putting that product on your skin.Next, make sure that you are purchasing only natural skin care products. Then again, natural means many different things within the skin care industry. Stick with those ingredients that you know, or take the time to research ingredients that you aren’t familiar with.Numerous products on the market will claim to change the way that you look. Still, many of these products don’t work…and most of them can actually ruin your skin If a product claims to alter your appearance, make sure that those chemicals won’t actually alter your skin’s structure.Skin’s elasticity is the one thing that keeps your skin from sagging and drooping. If you continuously apply a product that eats away at your skin’s elasticity, you might not be able to enjoy your skin’s natural appearance any longer. Avoid any skin care product that will potentially ruin your skin for good.Once skin loses its elasticity, it is hard to get it back. Using natural skin care products that don’t damage your skin is the best way to ensure that you will have youthful, radiant, skin for years to come. Be careful about what you put on your skin – after all, you only get one chance to treat your skin right.
Designer Baby Clothes Can Be Affordable
One of the biggest trends in fashion today is designer clothes for babies. Babies no longer have to dress in just pastel pajamas, or be limited by what is available to the masses at the local mart. Now babies can also wear one-of-a-kind (or nearly so) couture and boutique fashions, just like adults.Some popular adult wear designers have also introduced a line for babies, such as Ralph Lauren, Lily Pulitzer, Tommy Hilfiger and Guess. These designer baby fashions can usually be found in the better departments stores, such as Lord and Taylor, Nordstrom’s and Macy’s. Department stores also feature other top brands of designer baby clothes like Little Me, Flapdoodles, Greendog, Icky Baby, First Impression, Little Bitty and Baby Nay to name just a few.Some designers offer their clothes through their own catalog’s and websites. A leader in this type of designer baby clothes is Hanna Anderson, who comes out with several new lines each season. Each line is available for infant through adult, with the adult and children clothes coordinating in each line. This designer has a certain number of clothing design styles that she is well known for, especially the Play Dresses with tights and leggings, and the organic cotton Jeeper Creepers and Wiggle Pants, with new colors and prints becoming available each season. At the end of each season, many items can be purchased at a great clearance price.Another type of designer baby wear is the brand name clothing found in their own stores in shopping malls, especially Gymboree and The Children’s Place. Prices may range from very inexpensive to quite pricey, depending on the store. Gymboree also comes out with several new lines each season, featuring several pieces and accessories available in each line. Gymboree has inspired a whole community of collectors and resellers who offer websites to keep track of all of the different lines, and people trade in order to get pieces in particular sets. Making purchases at Gymboree earns “Gymbucks” that offer 50% discounts on purchases over $50. The great thing about Gymbucks is that they can even be used on discounted sale merchandise. Some people will give away their Gymbucks if they are close to expiring – so check your local classified ads. There are also several outlets located throughout the U.S.Finally there are the “boutique fashions”. These are the designers who often design nothing but baby clothes, and their fashions may only be found at special baby boutiques. Baby boutique fashions run the gamut from widely available mass-produced fashions to hand-made unique specialty items. Some of the popular boutique brands include MishMish, CachCach, City Threads, Jack and Lily, Devi Baby, Dogwood, and Flowers by Zoe.The great thing about designer baby clothes is their resale value. Baby clothes are sometimes worn just once or twice, but the lower cost brands are so readily available that they don’t have the same resalable quality. You may be able to recoup a couple dollars or fifty cents at a garage sale, but when you purchase certain designer fashions, you are making an investment that you may be able to get your money back on. First, purchase your baby’s designer wear, preferably on sale. After your little one has worn it a few times, you may very well be able to turn around and resell it for a good price, getting some of your money back. That makes the final cost of the item comparable to that of the mainstream brands. This is also a good way for parents who think they can’t afford designer clothes for their babies to get very fashionable items, by buying gently used clothes at designer baby clothing consignment shops, and online at places such as e-Bay.
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.