What We Have Here Is A Failure To Communicate

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.

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.

Purchase Order & Letter of Credit Financing

Many business opportunities come with an associated challenge. For most entrepreneurial businesses, the greatest challenge is financing the business opportunities created by your sales efforts. What are your options if you have a sales opportunity that is clearly too large for your normal scale of operations? Will your bank provide the necessary financing? Is your business a startup, or too new to meet the bank’s requirements? Can you tap into a commercial real estate loan or a home equity loan in sufficient time to conclude the transaction? Do you decline the order? Fortunately there is an alternative way to meet this challenge: You can use Purchase Order Financing & Letter of Credit financing to deliver the product and close the sale.What is purchase order financing?Purchase order financing is a specialized method of providing structured working capital and loans that are secured by accounts receivables, inventory, machinery, equipment and/or real estate. This type of funding is excellent for startup companies, refinancing existing loans, financing growth, mergers and acquisitions, management buy-outs and management buy-ins.Purchase order financing is based upon bona fide purchase orders from reputable, creditworthy companies, or government entities. Verification of the validity of the purchase orders is required. The financing is not based on your company’s financial strength. It is based on the creditworthiness of your customers, the strength of the commercial finance company funding the transaction, and in most cases a letter of credit.What is a letter of credit?A letter of credit is a letter from a bank guaranteeing that a buyer’s payment to a seller will be received on time and for the correct amount. If the buyer is unable to make payment for the purchase, the bank is required to cover the full amount of the purchase. In a purchase order financing transaction, the bank relies on the creditworthiness of the commercial finance company in order to issue the letter of credit. The letter of credit “backs up” the purchase order financing to the supplier, or manufacturer.Is purchase order financing appropriate for your sales program?The perfect paradigm is a distributor buying products from a supplier and shipping directly to the purchaser. Importers of finished goods, exporters of finished goods, out-source manufacturers, wholesalers and distributors can effectively use purchase order financing to grow their businesses.Is purchase order financing appropriate for growing your sales orders?Purchase order financing requires you to have management expertise- a proven track record in your particular business. You must have bona fine purchase orders from reputable firms that can be verified. And you must have a repayment plan; often this is from a commercial finance company in the form of accounts receivable or asset-based financing.You should have a gross margin of at least 25% to benefit from purchase order financing. Sellers of services or commodities with low margins, such as lumber or grain, will not qualify.The bottom line decision for purchase order financing:It can take two or more years to develop a profitable business. Banks generally base their lending limits on a business’ performance for the past two or three years. Purchase order financing, combined with letters of credit and/or accounts receivable or asset-based financing can give you sufficient funds to cover your operating costs, financing costs and still realize significant profits. If you qualify for purchase order financing, you can grow your business by taking advantage of large purchase orders and eventually qualify for bank financing.Copyright ©2007
Gregg Financial Services