When it comes to spending time outdoors, many people know that it is wise to wear sunscreen if you are going to be exposed to the sun for a long period. What many people don’t know is that there is also special UV protective clothing designed to offer you even more protection.What is UV protective clothing?UV protective clothing, as the term suggests, is clothing that protects you from the UV rays of the sun. It differs from normal clothing in that it blocks up to twice as many UV rays, and as a result is more expensive. The popular fabric choices for these types of garments are nylon, lycra and polyester. With everyday clothing you get some protection, but this depends on how close the fibers are together, and this often means warmer outfits on hot days, which can be counterproductive. This will protect you from the sun, even on those seemingly harmless cloudy days.Why is it better?While sunscreen and UV protection clothing essentially have the same function, the clothing option would be the better choice simply because it is more convenient. With sunscreen you have to reapply the lotion often and you can often miss spots. With clothing you put on one garment, which does not rub or sweat off. This is good for kids who like to have fun and dread having to make frequent stops to get screened. You won’t be exposing nasty chemicals to your skin or worry about your child’s sensitive skin being affected by them. It is also better than sunscreen because it protects against more of the UV rays so is more effective.UV protective clothing is a good investment if you spend a lot of time outdoors and want to take care of the good health of your skin.
An Anti-Aging Skin Care Guide – 3 Action Ideas to Restore Your Skin
If you’re like me you want an anti aging skin care guide that is both simple and easy to follow. Right?A good guide to anti aging skin care treatment will not be complex or impractical. How many times have you enthusiastically started a health program, such as a diet, only to find a few weeks later that the guide is just too much work, too involved, and that you are slowly giving up and slipping back into the old habits? Those guides were not helpful in the long term and you need to find an anti aging skin care guide that works better than that.Here’s three simple yet effective guidelines for anti aging skin care that will get your skin looking younger. Together they make an easy-to-follow anti aging skin care guide that will work wonders for your skin.First, drink lots of water.I know this sounds a little unrelated to skin care, but getting a good amount of drinking water through the day is a good anti aging skin care treatment.This is because our body is 70 percent water and skin is the biggest organ in it. By drinking, say, seven or eight glasses of good, pure water each day your skin will maintain its natural hydration level and help your looks. Don’t drink too much: eight glasses is normally about right. And don’t drink the rubbish from your tap: drink good water. This simple guideline will definitely lift your anti aging skin care efforts.Next, be moderate as you sun tan.We like to have a tan. people who look at us expect it and a certain amount of sun tan is healthy. Enjoy it. Sunshine helps your body produce that very essential Vitamin D. But you can over-cook your skin in strong direct sun. Enjoy it too much over a long period of time and you will cause a drop in the levels of hyaluronan your skin has. This substance has a key role in repairing skin tissue and is being increasingly studied because of that. Let me simply say, we attack hyaluronan to our own peril.So get into the habit of wearing a hat when the sun is fierce. I’ve recently put a peak on my cycle helmet to shade my eyes and forehead when I ride, and you’ll be able to think of things like which will help keep the sun off you when you’re out in it. This is the easiest part of my anti aging skin care guide.Sunscreen lotion is not the answer. For one thing, some brands include chemicals which damage your skin and affect your health long-term. But also, we can frequently avoid the sun’s rays without using artificial screens just by modifying where we go, when, and how we dress.Finally, eat well.Again, this is probably not what you expected in an anti aging skin care guide, but get a good intake of the dark, leafy vegetables like spinach. Early aging in the skin is often the work of free radicals. These molecules move around our body, damaging cells and have a particularly good time in our skin. The antioxidant-rich leafy green vegetables neutralize the free radicals before they harm your cells and your skin. So deliberately plan to eat these vegetables regularly.So there you have it. Some simple guides that will help your anti again skin care treatment. Follow them regularly. Make them a pattern of your life and health, and they’ll form a sound foundation so your skin remains smooth and looks younger.You can also take up some special treatments that will enhance this foundation of natural skin care. One of the best ways is to use high quality anti aging skin care treatment cream. When you find a truly high quality cream it should do three things for you.First, it will get in step with the natural processes in your skin to close up the fine lines and wrinkles that spoil the look of older skin. Good quality skin care creams have ingredients that stimulate these processes, and some of them will help even out blotches and color differences across your face and arms.Second, it will help keep your skin soft to touch and smooth and even when pressed, by ensuring it is hydrated to a good level. Dry skin cracks and is rough to the feel. A good cream makes sure yours is not like this.And lastly, it will boost your skin’s natural youthfulness by gently boosting up the levels of collagen and elastin that are important for skin to appear young. These are the two things that do most of the work in keeping us looking young as age breaks them down in our skin. Special substances like Phytessence Wakame and Nanobelle CoenzymeQ10 in a cream can help the body boost its collagen and elasin levels.More could be written about this, and I will do that in the months ahead. But now, believe me, once you start to use this anti aging skin care guide and pick anti aging skin care treatment creams thoughtfully I think you’ll find your skin will retrieve some of it youth and quality.
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.