Your Sports Apparel is Your Personal Statement

What’s new in Sports apparel?Apparently, just that there is a lot more of it around! As it has been for a while now, wearing sports apparel is quite popular. Some people only wear the gear from one or two teams while others have an entire wardrobe full of every team and state in the nation. Whether it is the colors or team spirit, we may never know, but sportswear is still “in.” Remember back in the day when it was primarily hats/caps that were worn? Not anymore! There are shirts, tee-shirts, jerseys, caps, hats, and even accessories to go along with every sports team you can think of.From coast to coast there is a wide variety of followers for any given team. You might see people with Chicago hats in Florida or you might see a Kansas NCAA cap in South Carolina. What it all boils down to is a combination of popular style and team spirit. There are plenty that fall into either category. There are few sports left out as the MLB, NCAA, NFL, and NBA all have lines of sports clothing available and believe me, it is being bought!Sports are big business in the US at any level. Don’t think that the teams aren’t making money off of their licensed logos that adorn all of this sports apparel, because they do. More than that, though, is that the people have chosen a style. Wearing sports clothing is trendy, socially acceptable by most standards and popular. It is so popular that you would be hard pressed NOT to find a sports apparel store in any mall. More often than not there are several.One thing that is fairly new is having the logos of the teams but not the colors. Maybe they did it to attract more women to wearing sports wear, but there are a lot of pink shirts and hats out there with every licensed logo you can think of. Also, for a while, New York had this pale blue color on a lot of the clothing, hats and tee shirts especially. That threw some folks for a while. The logo and the colors didn’t add up but somehow it all worked out. What is important is that what the people want is sports apparel and that is exactly what they are getting. Whether your taste is more toward the traditional or the modern there is no need to worry because you will be able to find it.Team spirit? Logo loyalty? Color craze? Who knows, but its working! The people are happy, the stores are happy and the sports franchises are happy. You even see the gear from teams you never used to see before, like the Tigers. Yes, they have been around for a long time, but you just didn’t used to see so many people wearing their clothing. Perhaps there will be more of that in the future. Athletic teams who have gotten little exposure before will suddenly be seen in all of the sportswear shops. How refreshing!

Nutritional Supplements and a Healthy Diet Plan – The Ticket For Optimum Nutrition

Many people think that they can get all the nutrients they need by following a healthy diet plan or on the other hand they believe it doesn’t matter what they eat as long as they take their multi vitamin tablet each day. Well unfortunately in both these scenarios their overall nutritional status will come up short.As a result of over processing and over planting the food we eat today has considerably less nutritional value than food we ate in the 20′s and 30′s, the only way an individual can really achieve a high nutritional status from their diet would be to eat 100% organic, this includes meat, milk, veggies, fruits and grains, a pretty difficult and expensive commitment.Alternatively just relying on a multivitamin and mineral nutritional supplement tablet may also leave the body wanting for more nutrition. The over all bioavailability of a tablet is questionable as is the potency. So how does one achieve optimum nutrition and not go broke? A quality nutritional supplement powder.Following a healthy diet plan is a good start, try to include organic when possible and limit the amount of processed foods you consume, knowing that not only are they not adding much nutritional value they often can contribute to the nutritional drain. But one of the easiest and economical things you can do to ensure optimum nutrition is to include a complete multi vitamin and mineral nutritional supplements powder as a regular part of your daily routine.Unlike tablets or pills, the powder form is high potency and easy for your body to digest and absorb. Nutritional supplements can play a significant role in ensuring your best nutritional status, by combining with a healthy diet plan you can rest assured you are doing what you can to stay at the top of your game.

Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding

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.