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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.

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.

Experts agree that perfect pregnancy nutrition is best achieved when the mother consumes whole foods containing nutrients such as calcium and folic acid from fruits and vegetables. It is not that easy for expectant mothers to get enough folic acid or calcium from whole food sources every day, so a health food vitamin or calcium supplement may be needed. When choosing the proper supplement it is important to understand the difference between natural health food vitamins for pregnancy nutrition and isolated multi-vitamins.When searching for the best pregnancy nutrition, be aware that it is better to consume vitamins, minerals and other nutrients that are attached to whole foods, not isolated. Whole food nutrients are much easier for the body to absorb, whereas isolated vitamins and minerals are often flushed out before the body can break them down to use for fuel. There are some excellent all natural, low carb, high fiber foods that provide perfect pregnancy nutrition, but you will need to search the Internet. Many of the best concentrated formulas are not sold in typical grocery stores or even health food stores.First, it is important to know some of the most valuable elements of perfect pregnancy nutrition.Here are the essential minerals that a pregnant woman needs on a daily basis:* calcium* protein* phosphorus* potassium* folic acid (folate) Folic acid is the synthetic form of folate that is found in supplements* Vitamins A, D, C, E and the entire B complex.It is a nutrition fact that calcium is an important mineral for everyone, especially children, adolescents, nursing mothers and expectant mothers who need perfect pregnancy nutrition. It is not easy for all pregnant mothers to consume enough calcium every day without a health food vitamin or calcium supplement of some kind. It is especially challenging to get enough calcium from whole foods, like fruits and vegetables.Some of the more familiar sources of calcium in whole foods are:* Broccoli* Yogurt* Cheese* Milk* BeansDandelion is a natural source of calcium from whole food and alfalfa has a high level of calcium with natural enzymes and chlorophyll, but these are a little harder to include in a daily diet for proper pregnancy nutrition. However, you can find a concentrated whole food calcium supplement that includes dandelion and alfalfa along with other whole food calcium sources.If you are inclined to take a calcium supplement, not only is it important for proper pregnancy nutrition that the calcium originates from whole food sources, it is equally important that Vitamin D2 is present. Vitamin D2 is crucial to aid the body in absorbing calcium. Vitamin D2 is a necessary component to work with the calcium for improved bone strength and density. In one particular natural whole food calcium supplement, 3 types of calcium are included with different absorption characteristics, and Vitamin D2 is present to enhance the absorption of calcium.Folate, also called Folic Acid and Vitamin B9 is another essential nutrient for perfect pregnancy nutrition. Folic acid is a B vitamin that helps the body create healthy new cells. That is why folate is very important for pregnancy nutrition as hopeful mothers create new life. Moms who include sufficient folic acid in their diets are taking positive steps toward preventing birth defects, especially of the baby’s brain or spine.Everyone has heard the stories about pregnant women who can’t control their mood swings. Plenty of medical research points to a deficiency of folic acid for fostering depression and other psychiatric disorders. In the book, “Food, Your Miracle Medicine” (Copyright 1993), Jean Carper states, “That folic acid can act as an antidepressant is no secret among scientists”. The book goes on to point out McGill University’s Dr. Young found, “accumulating evidence that folic acid deficiency can contribute to depressed mood”, and that eliminating the deficiency often cures the depression.For proper pregnancy nutrition, a woman needs about 800 mcg of folic acid daily. Nursing mothers can back that down to about 500 mcg. This level may not be easy for some to reach, as it requires up to six servings of foods such as spinach, beans or asparagus, every day. If a pregnant woman is not getting enough folate from whole foods, then a natural health food vitamin should be investigated.Foods with folic acid in them include:* Leafy, green vegetables* Fruits* Beans* Peas* NutsSome enriched breads, cereals and other grain products also contain folic acid. Again, it is important to be sure that the folate is attached to a natural whole food complex of B vitamins. You can find very effective whole foods, health drink concentrates and other pregnancy nutrition on the Internet that you will not find in retail stores. Just be sure to search for a natural health food vitamin for pregnancy nutrition. When you search, you will find folic acid along with other essential vitamins and minerals for perfect pregnancy nutrition.