Energy Cost Savings Lead to Environmental Gains
Every existing organization these days will find difficulty making any profit without depending on an energy element for day to day operations. This would have implications for companies needing to find a way to save on energy costs to maximize profit potential.The decision makers in business organizations of today already know that energy security will be very crucial for an organization’s forward planning. As energy and utility costs, to a certain extent, are a “necessary evil,” energy cost savings must be pursued by the company at every opportunity.Unless energy is used, business organizations of today will find a hard time to earn any profit. This total reliance on energy reflects strongly on the balance sheet and corporate utility bills are the subject of much attention, with frugality in mind.Energy cost savings form part of a solution to the problem of corporate sustainability. Any energy management strategy needs to reflect the unpredictability of this entire energy situation. We have seen spikes in the cost of oil and other fossil fuels and know only too well that these sources are finite. Attempts to explore the viability of alternative energy solutions are laudable and progressive, but represent less than one tenth of potential capacity.The cost of energy is outpacing inflation and we have seen the cost of raw power increase over 110% in the last 10 years with an increasing and accelerating trend. Management teams have been charged with the responsibility of implementing energy cost savings, as and where possible. Each and every employee within the enterprise is told that it is his or her responsibility to make sure that wastage is kept to an absolute minimum.Energy liability actually has two defined sides. To begin with, it can involve energy security from the supply chain and its consequent costs, followed by the implementation of energy efficient programs. Both factors reflect the organization’s environmental stewardship, partly due to a wish to become far more efficient from a security and cost perspective, but also from a wish to be seen as environmentally progressive.Established companies have to look at energy from a historical perspective, even as they make plans for significant changes going forward. Starting any plan for the future from scratch could be more effective in realizing efficient energy cost savings. An example can be taken from the construction industry, whereby energy-saving techniques can be used like ‘green building’ and using renewable sources of energy.Historically, it is often rather difficult to replace complete systems within any organization to take advantage of energy cost-saving programs. In these cases, retrofitting is a much more palatable option. In any case, the “status quo” is not acceptable and organizations may not simply turn their back on a problem as an increasingly agitated public requires us all to address the issue of sustainability quickly.For organizations looking to capture energy cost savings at point of use, smart devices are available to help explore energy metering in real-time. Such smart devices can be configured to be able to allocate energy based on ‘best practices’ on energy use and digitization of utility bills to allow a more precise energy accounting.
A Peer To Peer Loan Can Fund Your New Small Business
If you’re trying to start your own small business, you likely already know that it’s nearly impossible to be approved for a bank loan to secure the funds you need. With increased regulations and stricter lending standards placed on banks after the 2008 financial crisis, they simply aren’t handing out loans to aspiring small business owners like they once were. Thankfully, other avenues have opened up for determined entrepreneurs ready to fire their boss and secure their financial futures.In fact, last month, Prosper and Lending Club, the two largest peer-to-peer lending sites, were responsible for more than $280 million in loan originations. The rise of peer-to-peer, or P2P, lending has been well-documented, and it’s estimated that the burgeoning industry has generated more than $3.4 billion in loans since being launched in 2006.While the majority of the loans issued by these sites are used for debt consolidation, Lending Club, Prosper, and other peer-to-peer lending networks also provide credit for small businesses, offering them an additional borrowing option that didn’t exist a decade ago. By matching entrepreneurs and ordinary individuals with investors, peer-to-peer lending networks are able to take banks and middlemen out of the equation, providing low, fixed-rate loans to people to be used however they want.Thus, if you’re seeking capital to start a small business, peer-to-peer lending has become a premier funding solution.Who Qualifies for a Peer-to-Peer Loan?The majority of peer-to-peer lending networks don’t provide business loans. However, if an entrepreneur or a potential start-up needs a loan to pursue a business idea, they can borrow as an individual. Instead of the loan being issued to a business entity, it is issued to an individual, and he or she can use the funds however they want. The loan will simply be categorized as personal debt.While this is true for most peer-to-peer lenders, peer-to-peer lending networks specializing in funding small businesses in need of $35,000 or more now exist as well. Therefore, budding small business owners can turn to peer-to-peer lenders for any of their financial needs.Understanding Peer-to-Peer LendingPeer-to-peer lending is similar to eBay. You simply set up an account at one of the peer-to-peer lending networks, such as Lending Club, read the site’s borrowing guidelines, and review the types of loans they fund. Although Lending Club and Prosper don’t officially provide business loans, they do fund entrepreneurs looking to start a small business.After registering an account, you simply enter in the loan amount you’re looking for and the maximum interest rate you are willing to pay. Once your listing is created, investors will begin sending you bids stating the amount they’re willing to lend you and the interest rate they would like to charge. As with any type of lending or financing, the higher your credit score, the better.It’s also important to note that you need a credit score of 640 or above to receive funding from most peer-to-peer lenders. If you have a good credit score and history, you may receive a lower interest rate than you expect, because unlike traditional lenders, peer-to-peer lenders provide loans starting at only 6.78 percent.Best of all, the monthly payments and interest rate are fixed, and the interest rate is amortized as well. There is also no prepayment charge, so you can pay off your unsecured small business loan as soon as you want without penalty.As mentioned earlier, since you may need more than the $35,000 maximum loan amount offered by most peer-to-peer lending networks, some peer-to-peer lenders, such as Dealstruck, are now specializing in providing larger loans of $100,000 or more to the small business market. Typically, sites like these offer two to five-year loan terms with low interest rates starting at only five percent.The Cost to Peer-to-Peer BorrowersBusinesses often find that borrowing from a peer-to-peer lender is much cheaper than borrowing from a bank, because there is no middleman involved. In addition to having more overhead, banks are still struggling to recover the money they lost during the financial crisis.This added financial stress trickles down to borrowers in the form of higher interest rates, if they are able to get a loan at all. Since peer-to-peer lenders compete with one another to provide you with the loan you need to start your business, you’re able to benefit from the lowest interest rate possible.From Dream to Reality: Rob’s StoryTwo short years ago, Rob Strong dreamed of opening his own landscaping business. Although he pinched pennies and saved for years, he still found himself in need of additional funding to purchase the equipment necessary to finally launch his dream of being his own boss.Sick and tired of fattening someone else’s pocket each day, one day Rob decided enough was enough. Unfortunately, he still needed $10,000 to buy all of the necessary equipment, so he went to his bank with the business plan; he spent hours upon hours completing in order to get a small business loan for the money he needed. Despite banking there for years, the banker denied his application because his credit score was only five points below the threshold.”What am I going to do now?” he asked himself. Luckily for Rob, he was browsing online two days later and ran across a major peer-to-lender. “It’s worth a shot,” he thought. After spending five minutes filling out the application and setting up his profile, he turned his computer off and waited. Two days later, Rob signed in and was shocked to see that 50 investors had provided him with bids. The next day, he received the full amount he needed.Two years later, Rob’s landscaping business is in full swing. He now has 20 employees and earns six figures a year while “working” 20 hours a week.There are thousands of people who share Rob’s story. Thanks to peer-to-peer lending, people across the country have been able to achieve their dreams of becoming small business owners. With the peer-to-peer lending industry growing each day, thousands more are sure to become small business success stories as well.
Understanding the Definition of Health Related Fitness
Being a Health and Fitness Professional, it is my job to understand terms and definitions which are commonplace to this industry, as well to keep abreast of evolving trends. Through my experience, I have found that a number of terms deserve a little more clarification than that which they are granted.Aside from clarifying the definition of Health Related Fitness, this article intends to shed some light on a few of the associated terms, and to show their respective distinctions.Is it simply all in a name?The fitness world seems to use the concept Health Related Fitness like a generic fitness principle – interchangeable with others like “Physical Fitness”, “Health and Fitness” or simply “Fitness.”While all of these terms can be included under the broad term Health and Physical Fitness, they individually refer to different aspects – both generic and specific. Unfortunately, references to these and other fitness-related terms are often vague, while consistency in their intended use is meager at best; there is a kind of “generally accepted” use for them, but individuals often rely on own interpretation, and this can lead to confusion.With that said, does Health Related Fitness simply infer fitness by means of good health? Not quite. That is why we need to understand a little more behind these words before digesting the definition.How did the term Health Related Physical Fitness come about?That is a good question. One could probably ask what is this concept all about – can we not simply use the terms “Fitness” or “Physical Fitness” instead?” Why Health “Related”?The main reason stems from the fact that most health and fitness terms are used inconsistently and often refer to different concepts or notions. Subsequent to the 1996 report from the US Surgeon General (Physical Activity and Health; a report of the Surgeon General), there was a move to try and address the alarming rise in obesity levels among the general American public. Studies and initiatives required standardization among clinicians, health practitioners and fitness trainers to grapple with the task at hand. Enter “Health Related Physical Fitness”, a working term to address the general state of health among the public.The definition of Health Related FitnessAccording to the American College of Sports Medicine (ACSM), the main authority in this field, ineffective definitions with unclear and subjective wordings, as well as definitions containing terms which themselves require defining, have contributed to confusing the term “Physical Fitness.”There exists no reliable guide for Health and Fitness Professionals to measure “Physical Fitness”, because the term has been so loosely and inconsistently defined. It is therefore that one should consider the concept of Health Related Fitness. The definition therefore centers on the 5 Components of Physical Fitness which relate to “good health.” These Components are:
Cardiorespiratory Fitness
Body Composition
Flexibility
Muscular Strength
Muscular Endurance
On the other hand, Skill Related Fitness Components are:
Balance
Reaction Time
Coordination
Agility
Speed
Power
According to the Centers for Disease Control and Prevention (CDC), the definition of Physical Fitness emphasizes the difference between Health Related Physical Fitness and Athletic Ability Physical Fitness. Its point-of-departure is the “health” of the US nation, which is often referred to as the “public health perspective.” In that respect, the 5 Health Related Fitness Components are more important than those related to Athletic Ability (or Skill Related Components).Although the concept of Health Related Fitness has an integral association with “good health”, the 5 Components are addressed individually by health professionals to allow for their measurement.Now that we have a deeper understanding of the term, what purpose does it serve?Continuing from where the definition left off, the objective of measuring the 5 Components is to advise clients about their own particular Health Related Fitness, and to use data obtained from the tests to design appropriate exercise programs which can then be evaluated.The 5 Components contribute evenly to make up a holistic Health Related Fitness, which is of direct interest to the health of the ordinary citizen, in that the concept is normative. In other words, it is a standard which allows for consistent application.It is therefore important for those working in the health and fitness industry not to mistake “overall physical fitness” with “Health Related Physical fitness.”To conclude, let us consider this distinction between Physical Fitness and Health Related FitnessOne needs to bear in mind that regular physical exercise can improve overall Physical Fitness, as well as Health Related Fitness. However, overall fitness is a generic term and is up to subjective interpretation, while Health Related Fitness can be assessed.The distinction therefore, between these two terms, exists in that Health Related Physical Fitness can be measured according to a set of established comparative norms.This is where the “rubber hits the road.” The guidelines set out by the ACSM enable health professionals to work with clients to assess and measure their response to exercise and prescribe appropriate exercise programs. A client’s progress can then be monitored and adjusted where necessary in order to obtain the desired fitness goals.
Automotive Scan Tool Software
Automotive scan tools are actually small computers run by programs like all other computers. Computers themselves, when demythologized, emerge from the fog as remarkably simple devices that think in 1′s and 0′s. They’re not that smart. The true “intelligence” and complexity of any machine ALWAYS lies with the program within. When purchasing automotive scan tools and software, evaluate first the frequency with which you either personally or professionally encounter technological and mechanical change, and choose automotive scan tools with software upgrade options that will adapt an existing unit to new industry developments without requiring unit replacement with each advance in technology.Pro-link scan tools and software offer you countless benefits in application and upgrade capabilities. Keynote features range from diesel engine fault ECU input monitoring, programmable EEPROM data, and comprehensive database storage of all proprietary OEM specifications. Pro link scan tool software packages offer comprehensive diagnostics on Detroit Deisel DDEC I/II electronic engine controller systems, Bendix ABS and ATC systems, Volvo VED 12systems, and even Mack Trucks with V-MAC II and Marine engine troubleshooting for boats! Each of these Pro link software packages proactively anticipates the many complex problems that can arise from increasingly complex technology. You can also expect to benefit from specific diagnostic capabilities such as ECU input and output status monitoring, displayed data parameters in either English or metric readout, user-created custom data lists, and clear diagnostic fault codes and compression testing options.The first time buyer normally asks the obvious and intelligent question, “When do I know it’s time to upgrade my pro link scan tool software?” Need and circumstance determine upgrade requirements more than any generic feedback can advise. Personal vehicle owners normally upgrade their automotive scan tool with new software when they purchase their next vehicle. Professionals face more variables and greater frequency of upgrade because they service multiple vehicles of diverse make and model, and they face industry changes every day as a standard course of business.Each time the government requires a new safety feature and issues a set of safety compliance standards regulating its performance, vehicle technicians will need to upgrade pro-link scanning tools with software that can effectively diagnose safety devices and proactively identify potential malfunctions. If you run a service shop, make especially certain that your automotive scan tool software reflects the latest safety compliance laws. Not only must you observe these standards due to governing authority, but the problematics of insurance can only harm your business if you neglect to upgrade your software and later find yourself held liable for an accident outdated technology failed to prevent. Please do not assume that this cannot happen to you because it already has to someone in the world today. It does not, however, have to repeat itself in your personal world or the lives of your clients.It simplifies life and better serves outcome to simply upgrade automotive scan tool software anytime you learn of a feature that specifically addresses a change or new type of problem you encounter. Automotive scan tool software loads into the unit via CD or a plug and play card similar to software and expansions cards on PC’s and laptops. The process is simple. The results will astound you and serve you well.
What is Anti Aging Nutrition?
Nutrition is extremely important to a healthy body for the duration of our lives, but it becomes even more essential as we age. Many of the poor foods we were able to digest as young people become problematic the older we get. Also, the need to keep our immune system strong and our health in balance becomes more necessary as we become more vulnerable to disease the older we get. Anti aging nutrition is a process of getting the foods we need to stay healthy as we age.Anti aging nutrition is really about a total healthy lifestyle. Certain supplements and foods help to reduce stress, as does exercise. Stress creates free radicals, which attack the body and sets the stage for disease development. Weight control, as well as drinking plenty of clean, pure water everyday are also essential to overall health.Nutrition and AgingAging is a natural process that cannot be avoided, but can certainly be slowed. As the body ages, it becomes more and more difficult for it to absorb certain nutrients from foods. Thus, it is ever more important to eat nutrient rich foods. In the younger years, good nutrition creates optimum conditions for the body to grow, and the benefits of a nutritious diet fed to children will last throughout their lives in their ability to combat disease. There is never a time of life when good nutrition does not matter.Foods for Anti Aging NutritionPart of the problem with the so-called Standard American Diet is that much of the food is acidic in nature. Coffee, soft drinks, sugar, added flavor, preserved meat and artificial sweeteners are so prevalent as to be almost unavoidable. However, these foods create high levels of acid in the body, and must be balanced with more alkaline fare. Green, leafy vegetables, like sprouts, cabbage and parsley, all produce alkali. Raw nuts, whole grains, spinach broccoli, tomatoes, berries, oranges and other citrus fruits, apples, lettuce and onions are all beneficial foods for anti aging nutrition.Supplements for Anti Aging NutritionOmega 3 fatty acids, often added to foods, are a necessary part of any diet. Flax seed oil, especially from raw flax seed ground up in a coffee grinder, is an excellent part of any diet. The family of B vitamins is an important stress reducer, and should be taken daily. Garlic supplements, or raw garlic, is a powerful immune system booster that will help prevent sickness that can interfere with absorption of nutrients from food. A daily multi-vitamin is also important for anti aging nutrition.The Need for Stress ReductionStress is a very common condition in modern life, and it is one of the most destructive forces at work against good health. Stress slows digestion, and impairs nutrient absorption. Stress also creates free radicals, which attack the body’s proteins and impair cellular functions. Stress similarly weakens the immune system, making the body vulnerable to disease and toxins.In order to get the most out of the food we eat, me must also reduce or eliminate stress in our lives. This is best done by getting plenty of physical exercise. Exercise allows a great deal of stress release, while also helping to balance our body weights to a proper level. The combined benefit, along with a lot of nutrient rich food, leads to a state of optimum health which slows the ravages of aging and allows us to age comfortably and gracefully.Anti aging nutrition could also be called ‘whole life nutrition’, since there is never a time in life when good nutrition does not matter. A nutrient rich diet will create more energy in the body, as toxins are released and digestion improves. Proper weight levels will also be achieved, and make it easier to exercise which in turn reduces stress, which in turn makes it easier to absorb nutrients from the food. It is a complete, holistic cycle. Anti aging nutrition is an important step in feeling great everyday and avoiding disease and other effects of aging.
The #1 Reason Your Best Business Financing Choice Could Be Asset Based Lending
There is one overriding reason why asset based lending could be your best choice for business financing in Canada. What is that reason? Simply that it works when other types of financing are not available or don’t fit your current financial status.The reality is that asset based lending works for all firms in all types of industries, and is not dependent on your overall financial performance that might be the focus of a more traditional based financing. That’s a powerful statement, so let’s examine what the financing is, how it works, and answer some key questions that might help business owners and financial managers determine if this financing is the solution to many, or all of their financing challenges.So let’s back step a bit. What is asset based financing. Focus on one key word in that phrase – assets! This method of financing simply allows you to monetize and draw on the market value of the assets of your firm. Those assets are in very predictable categories, they are receivables, inventory, equipment and real estate. If you have one or all of those your firm is a prime candidate!In some cases this method of financing is confused with factoring. Factoring is the sale of one of those asset categories – your receivables. An asset based line of credit lends against receivables, but also includes, inventory, equipment, etc. That is the difference!The prime difference in qualifying for such a facility is really the difference that exists when you compare this type of financing to a Canadian chartered banking relationship. That banking relationship comes with a number of requirements that are often not needed when an asset based line of credit is in fact your real and best solution. Some of those traditional requirements might be profitability, years in business, the type of industry you are in, guarantees of shareholders and owners, etc. Those qualifications are not the focus of asset based lending. However the assets are.On a day to day basis how does this type of business financing work. It’s quite simply. You and your asset based lender determine on a regular basis, i.e. weekly, monthly, etc what your asset categories total – a borrowing based is then developed on those categories and funds are depositing into your bank account for use as working capital by your firm. In Canada a 250k facility is more or less the bottom level of this type of financing, and facilities can be arranged into the many millions of dollars.So if you want an easy way to remember the difference between this type of financing and a bank revolving line of credit simply remember that the bank focuses on overall financial strength and cash flow, our facility focuses on assets!Because your assets are being financing as the primary focus of this type of facility you will have to report on those assets probably on a much more regular basis, so your firm should be in a position to prepare regular reports on receivables, inventory turnover, etc. When fixed assets are being financing, i.e. unencumbered equipment you own, etc then in many cases an initial appraisal will be required. This small dollar investment though can generate thousands or hundreds of thousands of dollars in working capital.For “asset rich” companies, an asset-based loan may make more funds available because it is not based strictly on the anticipated levels of cash flow. Additionally, the structure often requires fewer covenants, providing more flexibility for many borrowers.So why is this then in many ways the best method of financing your business? Does it actually add cash to your firm? That is where some confusion comes in, but simply think of it as no adding new cash per se to your firm, it simply accelerates or quickens the cash flow that is traveling through your business. By financing your receivables and inventories to the maximum possible you turn over new sales and generate increased profits, and that’s what business financing is all about.You may not even have heard of asset based lines of credit, perhaps you have but didn’t understand how it works or how it compares with other types of business financing. Investigate how this facility can become potentially your best choice in the overall financing of your business. Speak to a trusted, credible and experienced advisor who can work you through the Canadian landscape of asset based lines of credit.
India’s Art and Architecture
India is destination of people world over for its varied cultural heritage with special interests in its art, architecture and entertainment.From the caves of Kujraho to the magnificent Taj, the Indian architecture has always been eyed and greatly appreciated. Indian art has been depicted in such profound architecture. The symmetry in the architecture at the Taj Mahal or the appreciation of the recently built Akshardham Temple has attracted the attention of all across the world.Today, the visitors are not only concentrated to the long ago built structures. Indian art is also depicted in the modernization of the society. It can also be called as adopting the westernization for the good! The buildings of enterprises, malls, shopping centers, metro rail also attract a lot of tourist attention.As the years pass, India’s outlook to the art has changed. There are shows of Indian performers outside India as well. Indian singers, classical and folk performers and painters are a great demand of the west.Indian cultural dresses are also hitting the foreign markets. Gone are the times when Indian traditionals were restricted to Indian market places!Foreign designers are adopting Indian styles into their designer wear. Indian designers have also formed a niche for themselves into the international fashion market. Indian designers also showcase their talent in the international fashion week and such programs of great acclaim. India has already made a mark in the world business but still has a long way to go!!Apart from a varied variety of things India is famous for, entertainment and precisely bollywood, has gathered a lot of international acclaim lately. Movie stars are being invited into Hollywood movies, international game shows, international award ceremonies etc.Indian movies, now-a-days have different screenings for the countrymen and abroad. With the trend of cross over movies bollywood has gained more recognition because such movies are not only made in English, for a wider audience but also cater to intellectually strong subjects. This doesn’t mean that the essence of Indian movies has lost to such artful movies. Indian movies are liked for their storylines and songs. Indian movies are also being short listed for the Oscars, which are the most prestigious international awards.Not only bollywood movies, but also regional movies have come of age. Recently there is a buzz that Spiderman- the movie would be made in Bhojpuri.This infers to a handshake of India and the world. Not only is the world accepting Indian movies with open arms, but Indians too are ready to accept the international movies with their format of lesser duration and no songs as compared to typical Indian movies.
Real estate investment strategies for cash flow
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