Exercises and Workouts – Four Ways To Stay Committed To Your Early Morning Workout

If you have a busy schedule, you might be considering taking part in those early morning workout sessions that everyone seems to dread. Like it or not, those who exercise first thing in the morning do tend to stay more committed because of the fact they aren’t letting anything crowd it out of their day – apart from them hitting the snooze button of course.That said, getting out of your warm bed to do an early morning workout is much easier said than done.Let’s go over four ways you can stay committed to your early morning workout sessions so the process is a little less painful for yourself…1. Lay Clothes Out The Night Before. First, your main mission should be to make things as easy as possible for you on the morning of the workout. To help out with this, lay out your workout clothes and anything else you’ll need the evening before.This way, you can maximize the sleep time you do get and simply wake up and it’s all ready to go.2. Whip Up A Great Tasting Pre-Workout Meal. Another great way to get yourself out of bed in the morning is to prepare a delicious pre-workout meal to serve yourself. Food is a big motivator for many people so when you can wake up knowing you get to eat that meal, it might just do the trick to get you moving and out of bed.Just be sure of course the workout meal is structured as it should be – high in protein and rich in complex carbohydrates while being low in fat.3. Consider A Pre-Workout Product. You might also want to consider a pre-workout product as well if you’re really struggling. These products can be great for energizing your body since they do contain caffeine.That said, be aware of using them for too long. Too much adrenal stimulation from caffeine will eventually come back to cause burnout, so use these only when you need them most.4. Go To Bed Earlier The Night Before. Finally, the obvious – go to bed earlier. Do your best to turn off that TV. Remember, if you want to commit to getting fit, this does mean some sacrifices. If you go to bed earlier, you’ll have more time to sleep so waking up earlier won’t feel so draining.If you use these smart tips, you too can become one of those people who loves morning workouts. Give yourself a few weeks to get used to it and adapt – and soon you’ll wake up naturally ready to hit the gym.

Age-Appropriate Skin Care

Skin requires different care at different ages and for different skin conditions. A teenager’s skin doesn’t need the same care as that of a mature adult, and a baby’s skin doesn’t need the same care as that of a teen. But chronological age is not the only factor to consider when determining the age of skin and the care it needs. The real age of the skin that determines the care it needs is based on other factors. For example, a woman in her twenties who has skin that has suffered major sun damage may very well see her skin wrinkling. She would benefit from wrinkle-reducing skin care products that are usually marketed to older people.Any illness or surgery that alters the body’s chemistry also alters skin care needs, regardless of the chronological age of the body. Women who go through early menopause or must have a hysterectomy at a young age for whatever reason will find that their skin benefits from the use
of topical estrogen creams.The first thing that you need to know about the type of skin care products that you need to use is the type skin that you have. Skin is classified into several different groups according to the production of sebum:Normal skin is neither dry nor oily. Normal skin is clear, soft, and smooth with a healthy glow. (Normal skin is what all of us are striving for.)Oily skin is exactly what the name implies. Oily skin is indicative of overproductive sebaceous glands. Oily skin appears coarser because the pores are usually enlarged, and oily skin is also more prone to clogged pores, blackheads, and acne.Dry skin is the opposite of oily skin. The sebaceous glands do not produce enough oil and the skin does not retain enough moisture. The skin appears to be dry and flaky.Combination skin is skin that has both oily patches and dry patches.The products that you purchase for skin care need to be age-appropriate, but the age that you need to consider isn’t your chronological age, but rather the “true” age of your skin.

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.