Beautiful skin is important for every person, because it is what people see when they look at you. Skin care for women is different than that of men and children. In women, their skin care applies differently at different stages in their life. Babies on the other hand have a delicate skin and they require special attention. Baby skin care is the most important part of its entire health. Their skin is gentle and must be well taken care of. Thus, understanding mother and baby skin care methods that work is important in ensuring beautiful skin for both mother and child.Baby’s Skin Care MethodsThere are various baby skin products on the market. These products are special and take good care of baby skin. Baby skin is delicate and so baby clothes must be laundered in special detergent to prevent skin irritation. Care should also be given to the baby’s head, as it is very delicate. Make use of baby shampoo when giving the baby a bath. Natural baby products are the best since they contain no harsh chemicals. Do not expose the baby’s skin to the noon sun as it will burn the baby. However, the morning sun is a good supplement for vitamin D.Mother’s Skin Care MethodsIn order for the mother to have great skin, she must ensure that she limits her salt intake so that she does not suffer water retention. This will lead to her skin becoming bloated. The mother must avoid skin irritations, ingrown hairs and cuts. It is recommended that mothers take a lot of water, at least 8cups a day. Exercise is also recommended if you want to have that beautiful skin. The exercise must be kept regular, so as to tone your skin.Moisturizing the skin is a must. Please make it a habit to moisturize your skin often. Dry skin tends to get sun burnt easily, so moisturize the skin as often as you can. You can also buy moisturizing towels; they are easy to carry and very convenient.Mothers should cleanse their face regularly, especially in the morning and at night before going to bed. If you have oily skin then soap is good for you. There are various moisturizers and cleansers depending on one’s skin type.Gentle exfoliating once a week is also important for mothers.Benefits of the Skin Care Methods- With a good skin care regiment both the mother and baby will have smooth skin that is soft and supple.- Good skin care ensures mother and baby have glowing, radiant skin.- Skin care gives mother and baby firm skin.- Moisturizing prevents sunburn from the UV rays of the sun and replenishes skin.- Cleansing opens up the skin pores and that aids in eliminating skin wastes.- Promotes healthy looking skin.- Scrubbing helps in the exfoliation which gets rid of dead skin cells.It is imperative for the mother to invest in good skin products for herself and the baby. There are many skin care products available on the market with a range of prices. However, it is recommended to invest in good natural products for the baby.
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.