Many Canadian business owners and financial managers are under the impression that equipment leasing and financing solutions for their asset finance needs are more expensive than other forms of financing.However, at the same time thousands of businesses everyday flock to the lease finance solution when they are acquiring equipment. How can a finance solution perceived as ‘ expensive ‘ be one of the most sought after business financing facilities day after day.It’s because it’s all about the benefits and flexibility. In pure theory if you were paying full price cash or entering into a term loan you could make a technical financial case that lease financing is more expensive.But it’s never always about price in your personal life, and that’s certainly the case in business. The reality is that the additional benefits of a lease often over weigh any concerns about cost or interest rates. And quite frankly with interest rates at all time lows in Canada companies with fairly decent credit profiles can get equipment financing in the 7-8% range. And, on top of that, if your company doesn’t have a pristine credit profile you still can get approved because Canadian equipment and leasing and financing professions are experts in asset finance, and a lot of emphasis is placed on your company prospects and the asset itself.Accounting isn’t one of our favorite subjects when clients ask us for leasing assistance, but the reality is the when you use lease finance effectively – for example operating leases, then you are in a position to increase overall return on assets and your banker or other senior lender isn’t overly concerned about that always omnipresent debt to equity ratio he or she is talking about.When clients talk to us about leasing we can talk about ten or 15 different issues – but to be honest they only often have one – can we get approval for a rate, term and structure that makes sense for our firm? That’s the essential question more often than not. And that’s more often when lease finance steps up to the bar! Lessors take, on balance greater credit risk than financial institutions, and in our words, they are more likely to ‘ buy into your story ‘ – whether that be a turnaround year, a new project coming up, etc.Lease decisions from your point of view are often driven by the simple question – can the acquisition of this asset grow sales and profits. Asset finance firms understand that and they essentially become your business partner with the additional capital they put into your equipment financing needs. You on the other hand can use that additional cash flow and working capital for general operating purposes. You have matched long term debt – i.e. the lease, with long term capital – your lease finance strategy.Speak to a trusted, credible and experienced Canadian business advisor in equipment leasing and financing. You” be surprised at the financing approval turnaround and the benefits you didn’t know you could achieve.
Canvas wall art and canvas prints can lighten up the mood in a room or even make it more romantic. Depending on the picture, it can produce a calming effect, can brighten up a room or encourage excitement. That is why it is important to consider what you hang on your wall to match the effect you want to project in your home.If you entertain a lot of guests, you should get photos on canvas of brightly colored picture showing something exciting and adventurous. If you want to turn your home into a solace from everyday hustle and bustle of a busy career, choose canvas prints in cool colors like green or blue showing photos on canvas of mountains, leaves or water.Adventurous people and those who love to travel might appreciate pictures on canvas showing famous skylines or landmarks around the world. Nature lovers may like pictures of animals, the wilderness, or snow-capped mountains. When you need to pick Canvas wall art for your home or office, choose something you have a connection with.Get something you like to look at and has something to do with your personality, whether you are a naturally calm person or someone who is always energized. Sometimes it can also be a good idea to get the opposite of your natural character to create some balance.So, if you are always up and about, you might want a canvas print that will calm you down and vice versa. For your work place, you can hang professional looking canvas prints in black and white or sepia tones that depict city skylines or famous landmarks. Whatever you decide to get, remember to get canvas wall art you will enjoy looking at.
It’s no secret that our society is largely comprised of people who are out of shape. An increasingly sedentary lifestyle and continuous poor eating habits have combined to make Americans fat. This is by no means an insult; it is just the way things are. The lifestyle that most of us are accustomed to makes it very easy for obesity to sneak up on us. You might be in okay physical shape, only to turn around a few years later, look in the mirror and discover that you’ve put on 10, 20, or 50 pounds. If this kind of discovery has happened to you lately, you’re not alone. Thankfully, people seem to be making renewed efforts to get back into shape. Obesity is more than just something that makes your appearance suffer; being overweight has serious health implications.As people begin to get on exercise routines and diets, many of them are using protein shakes, weight loss pills and other supplements to help them lose weight. Supplements can be a great boost for people who are trying to gain muscle and lose fat, but are protein shakes weight loss aids? Can you really lose weight by drinking something that was technically designed to help people gain weight? It might seem like a paradox, but you can consider protein shakes weight loss supplements. How can something that contains calories be reasonably called a weight loss supplement? It’s all in how you look at, and go about, losing weight.Typical Diet RoutineStart by taking a look at the typical diet routine. Have you ever been around a friend, family member or co-worker who is skipping a meal? You might ask them why they are not eating and the response is usually, “I’m on a diet.” It is very simple for most people; to lose weight you simply deprive yourself of calories for a while until your body weight drops. These types of diets use the scale as the be all end all when it comes to losing weight. Unfortunately, simply cutting calories for a while until a desired weight is obtained is not the right way to lose weight. For this kind of diet, protein shakes, weight loss supplements and other diet aides are pretty much a moot point. It is all about calories in and calories out. In other words, you simply need to eat less to lose weight.This kind of weight loss program is typical and it is the reason that people fail, continuously, to lose weight and keep it off. It’s very easy to lose weight, even a lot of weight, by cutting back drastically on calories. The bad part about this kind of diet is the fact that the weight you lose will be muscle mass and fat. In fact, if you go on this type of diet, you will probably end up losing more muscle than fat and once you go off the diet, fat comes back – but muscle does not. This is the big set up for a vicious cycle that makes people fail at getting into shape and losing weight.Making Protein Shakes Weight Loss AidesThe flip side to losing weight is once again a paradox. Resistance exercise, aerobic exercise and smart eating are going to be the three core ingredients to healthy, sustained weight loss. The paradox comes from the fact that you can actually lose weight by gaining weight. Don’t over-think that statement too much, because it is actually a very simple concept. The weight you will gain will be lean muscle mass. By lifting weights and eating a high protein diet, including protein drinks and other smart menu choices, you will begin to add lean muscle mass to your body. As your body increases muscle mass, your metabolism has to work harder to maintain the status quo. The body will begin to burn fat to create energy, which is the goal of healthy weight loss anyway.Think about how this process makes protein shakes weight loss supplements. You are fueling your body and workouts with healthy, muscle building protein that is found in most protein supplements. This protein is being used to build bigger, stronger muscles. Your metabolism shifts into overdrive to meet the new requirements to upkeep the additional muscle mass and it burns unwanted body fat to do it. This really is the proven equation for healthy weight loss. Adding muscle weight helps your body to diminish fat weight. The end result of this type of eating regiment and exercise program is a lean, muscular body that is very low in body fat levels. How’s that for making protein shakes weight loss supplements?Not an Overnight ProcessThe good things in life don’t happen overnight or without sustained effort. Too many of the diet fads that promise instant weight loss have led people to believe that they can let themselves go for 10 years and lose the weight accumulated in 10 weeks. It just doesn’t happen that way. If you are obese, chances are you didn’t get that way overnight. Don’t expect to get into prime time shape in a flash. No one likes to hear that it takes hard work and discipline to get into shape, but it’s true. There are some things that can make losing weight the right way a little easier. Protein shakes, weight loss supplements and smart approaches to training are available today and they can assist you in reaching your fitness goals a little faster than you might reach them on your own.Sound nutrition and exercise are going to be your most powerful allies in defeating body fat. Be sure to make use of high quality protein supplements as part of your attack on obesity.