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Many businesses struggle to have enough money on hand to meet financial obligations. This is the definition of a “cash flow” problem. To address this problem, companies generally take one of two approaches:

Using other people’s money (OPM), i.e. borrowing; Prayed
“Start” the business using your own assets and financial resources.

Most business owners instinctively look to loans as the solution. This article discusses Bootstrapping as a viable alternative.

other people’s money

The use of OPM implies either equity financing (selling a part of the business and therefore part of its autonomy) or debt financing (borrowing). This article focuses on debt financing.

“Debt” is money owed to another person or institution. If used to address a cash flow problem, it can be a drag on a company. When a business “borrows” money (that is, takes out a loan), it incurs a debt that must be repaid. The repayment includes both principal (the amount borrowed) and interest (the fee that must be paid to the party that lent the money).

Debt puts a constant demand on cash flow. That’s because you are required to repay the loan through monthly installments. Whether your business is having a good month or a bad month, you must direct the funds to the lender or face the possibility of default. If you default, the lender has the right to foreclose and take whatever assets are necessary to pay the debt in full.

OPM’s Impact on the Balance Sheet

The act of borrowing forces a double entry on a company’s balance sheet. The cash acquired under the loan becomes an Asset “Cash” on the books. However, a Compensating Liability must also appear because that money is not yours and must be returned.

This is an important distinction because one of the ratios used to assess a company’s financial health is the debt-to-equity ratio. This ratio is calculated by first taking the value of a company’s Assets and subtracting its Liabilities. The rest is the equity of the company. The Liability value is then divided by the Equity value to determine the ratio. The higher the ratio number, the greater the risk that the company will not be able to meet its loan repayment obligations.

This ratio can affect the ability to borrow more money. It may also affect the willingness of suppliers to extend payment terms to your company. A highly leveraged company can be a poor credit risk that can cause suppliers to demand cash payment for merchandise.

Starting the company

Bootstrapping doesn’t have the negative potential of borrowing. When you start up, you use the company’s existing resources to drive growth. This leverage involves understanding all the assets your company has and how to capitalize on them.

For companies with business to business (B2B) and/or business to government (B2Gvt) transactions, one of the best assets to leverage is your accounts receivable. Accounts Receivable (A/R) is the volume of money owed to you for the product delivered and/or the service provided. It is a debt that another business or government agency owes you.

Unfortunately, you can’t spend A/R. That money is not in your bank and cannot be used to meet payroll, buy equipment or pay taxes. However, you can convert that A/R to cash without pressuring your customers to change their payment terms. The solution is to factor the invoices. “Invoice factoring” is the process of selling individual outstanding invoices for cash. It is a transaction that remains exclusively on the Assets side of the ledger as it converts A/R to Cash. In an invoice factoring transaction, you are not borrowing money; you are selling an Asset. Therefore, there is no Passive entry on their books.

Under what circumstances can factoring be used?

The use of Invoice Factoring is a right granted to a company under Article 9 of the Uniform Commercial Code. A company can “assign” the right to payment to a third party, a factoring company. There are very, very few situations where your assignment right does not apply. This means that any B2B or B2Gvt company can use invoice factoring as a means of solving a cash flow problem.

Which financial institutions offer invoice factoring?

While some larger banks have departments that do true invoice factoring, most do not. One reason is that the underwriting criteria for invoice factoring generally differ from those for a traditional business loan. But because banks are regulated by the Federal Reserve, those that have invoice factoring departments will generally apply the same underwriting criteria for both loans and factoring. This means that they will take a very close look at the personal credit and business credit of those who apply for a factoring facility. If those scores are not good, the application will be rejected.

Independent financial companies have greater freedom of action. Your primary consideration is the creditworthiness of your customer, the entity required to pay your bill. If your business credit rating is good, the probability of winning a factoring facility is very high. Your business credit and/or your personal credit score will have little impact on the decision to finance.

Summary

When faced with a cash flow problem, most business owners impulsively seek to borrow money. This is a viable route, but it is important to understand the potential challenges:

Add a Liability to your Balance
Affects your credit score
Increase your debt to equity ratio
Places additional monthly demand on cash flow
Automatically creates the possibility of default and foreclosure

Bootstrapping and the use of Invoice Factoring is a reasonable alternative. It offers a fast and efficient way for a company to use its existing resources to solve a problem. It is inexpensive and, by law, universally applicable. Used correctly, it can help a business survive in tough times and thrive when times are good.

Home Kitchen

The 4 Guarantees of Wood Floors

Expectations are extremely important with large purchase items like flooring. This is especially true with hardwood floors. There is no doubt that a new hardwood floor will add a dimension of beauty and warmth to your home. Many consumers are unaware that hardwood flooring has some unique characteristics that make it not the perfect choice for everyone. This article is not intended to dissuade you from purchasing hardwood flooring, but you should consider these four little-known facts about hardwood flooring before making a purchase:

1) Hardwood floors are guaranteed to scratch

There are several finishes that manufacturers put on hardwood floors to make them more scratch resistant. The most popular finish these days is aluminum oxide. Hardwood floors also typically carry a 5- to 50-year wear warranty. However, wear warranties generally only guarantee that the wood veneer will not wear out completely. There are no warranties against scratches in the hardwood flooring business. All wood floors, regardless of finish treatment or quality of wood, will be susceptible to surface scratches. With that said, be sure to prepare your home for a hardwood floor before installation. It’s a good idea to use furniture protectors, rugs, and mats to protect hardwood floors from scratches. Additionally, you may want to consider tile installation at entrances, as this is the area where the most traffic usually occurs. If there are large pets or children in the house, you may want to consider looking at laminate flooring, which is much more scratch resistant.

2) Hardwood floors are guaranteed to bleed

Hardwood flooring is by no means a soft product, but it can be susceptible to dents from heavy use or drops. No wood flooring is dent-proof, but different species of wood have different degrees of hardness. The Janka test is used to measure the hardness of a species of wood. Using this test, wood species are given a score based on the force required to embed a steel ball into the wood. It is said that the higher the score, the better the species of wood with permanent dents and wear. Northern red oak, the most common wood species used in flooring, is the standard against which all other species are compared. It has a score of 1290. There are species of wood that score over 3000 on this test, and while they may wear better with daily use, they will probably dent if something heavy like a hammer or food can is dropped on the surface. wood. . If you’re really concerned about your floors’ ability to resist indentation, you have other options. There are high-pressure laminates and “wood-look” porcelain products that are much more resistant to pressure and wear. Also, a hand-scraped or distressed hardwood floor will do a better job of hiding dents and other wear and tear on your floor.

3) Hardwood floors are guaranteed to age

The aging of most floor coverings is generally related to how a floor loses its shine over time due to wear and tear on the floor. If I said, “Your carpet is getting old,” you’d think it’s time to buy a new carpet. However, one of the most unique attributes of hardwood flooring is its ability to look better over time. Hardwood floors already come with a lot of character and natural beauty. With proper maintenance, normal use and traffic should add to the beautiful character of your hardwood floor. A real hardwood floor can also be refinished to restore its original luster and shine. This is something that cannot be done on wood-look products such as laminate, vinyl, and porcelain.

These are all good attributes, but what I really want to mention in this section is the photosensitivity of hardwood floors. Wood tends to change color over time when exposed to sunlight. In fact, some hardwood floors can take up to a year and a half to mature and take on their full color. Other floor coverings, on the other hand, can be vulnerable to fading or discoloration when exposed to prolonged sunlight. So while sunlight makes other floor coverings look older over time, it beautifies hardwood floors, allowing them to reach their true color. This is an important attribute for consumers to know, because a freshly laid hardwood floor will not always look like the sample you saw in the showroom, which was allowed to reach its full color.

Consumers should also be aware of moving their rugs and furniture periodically to prevent discoloration. Exotic hardwoods and hardwoods with a natural finish tend to be the most photosensitive. Most hardwoods darken and get bolder over time, but some woods like Santos mahogany actually get lighter in sunlight. If you’re really worried about the effect of sunlight on your floor, buy a hardwood that has been colored with a darker stain or buy a species like northern red oak, which is a less photosensitive species.

4) Wood floors are guaranteed to be affected by moisture

Wood floors are extremely sensitive to moisture. That includes changes in surface moisture, subsoil moisture, and humidity. Damage from moisture-related issues can cause wood planks to crack, cup, or buckle. It is important to hire an expert installation team that is familiar with wood and its reaction to moisture. Proper maintenance by the consumer is equally important. Standing water should be cleaned up immediately and hardwood flooring should be kept in a climate controlled environment.

One way to combat the effects of moisture on your floor is to choose engineered wood flooring. Engineered wood flooring is a much better choice than solid flooring because its construction adds dimensional stability to the planks. The plywood layers under the veneer are laid crosswise, which reduces the wood’s ability to expand and contract along the grain when there is a change in moisture levels.

Auto

Different Phases of Architectural Services

Architectural services play an important role in the construction of any building or infrastructure. Such services are best used in the construction field for marketing purposes. There is a wide range of services that help create the best designs to improve buildings, landscape, etc. From the conceptual stage to the moment the building is built, Architectural Services play an important role. All designs can be created on the computer through pre-built and design software such as Revit Architecture, Auto CAD, 3D Studio Max, etc.

Conceptual Architectural Design
Conceptual Architectural Design is the first stage of any construction phase of a building or infrastructure. Conceptual design is normally created by an architect, where he designs a building conceptually. Before Revit or Auto CAD, conceptual designs were done manually on paper, in the form of sketches, and then drafted. Now, with the amount of software available today, conceptual design has become much easier.

Drawing and construction drawing
Once the conceptual design is complete, the process of creating construction drawings for the building begins. Construction drawings are a set of drawings created to facilitate the construction phase. It consists of complete drawings that cover the entire building. This is very crucial for an accurate build. It consists of roof plan, reflected roof plan, sections, elevations, electrical plan, layouts, site plan, etc. These drawings can be created with Auto CAD or Revit.

Building Information Modeling
Architectural building information modeling is the most important stage of any construction project. This process makes construction less time consuming and reduces costs. BIM essentially means the collection of all the elements and data related to the construction of a building in a single model. BIM virtually gives an idea of how a model will look and function after construction. Revit Architecture is the most widely used software for creating architectural building information models.

Architectural 3D modeling and rendering
Architectural3D Modeling and Rendering is used to visually enhance any building model or image. Architects create 3D models using Revit, Auto CAD 3D, 3D Studio max, Maya, etc. These models are rendered to give a photorealistic feel using V-RAY, Scan line, etc. These images can be used for marketing purposes. One can visually enhance the interior and exterior, sites, landscape, bodies of water, sky and light, furniture, products, etc. using this software. Architectural 3D modeling and rendering is being widely used by architecture firms, interior design firms, construction firms, etc.

With a high level of completion and pressure to save costs, utilizing architectural services offers the most viable solution for the engineering industry.

Digital Marketing

Matte or glossy finish for your wall quotes?

Wall quotes are vinyl decal sheets that are applied to walls or other surfaces that are flat and hard. They are meant to be used as a decorative element in a room and consist of elegant quotes presented in equally elegant lettering along with occasional graphic art. They are ideal for home decoration because they are inexpensive, fairly easy to apply, and removable. When selecting a wall quote for one of your rooms, one of the choices you will be faced with is whether to select vinyl sheeting that has a matte or gloss finish.

To get a good idea of the difference between these two types of vinyl decals, take a look at the matte and gloss finishes found in the photos – the effect is very similar. In a nutshell, the main difference is that glossy vinyl will reflect more light, while matte vinyl has a more textured finish and won’t shine as much when under lighting. Most people end up using a matte finish as it gives a more natural hand painted look.

The choice will come down to what you want to create in the room and what is already present in terms of decoration. The choice of quote itself will also have an impact on the choice of matte or gloss. A whimsical date might benefit from a glossy treatment, while a more zen and introspective date might well do with a matte look. It’s up to you to decide and there are many practical variables to consider.

Matte vinyl usually has an adhesive stick that is easily removed from walls. This is true even if the quote on the wall has been on that surface for many years. At the same time, it can be more difficult to apply matte vinyl on walls that have light textures. Unless you have a perfectly flat and smooth wall, matte vinyl may not be the way to go. Similarly, and for similar reasons, if applied outdoors, this type of vinyl may only last a few years. However, they will work well on glass, mirrors, and tile.

Glossy vinyl has more adhesive power than the other so it will adhere better to walls that have some texture but it will also be more difficult to remove quotes from the wall if they have been on a surface for a while. Depending on the quality of the wall paint, it may come off when you remove the vinyl.

Relationship

Beyblade 101: Popular Gift for Kids Explained

The plot behind the Beyblade series centers on the Bladebreakers, who are determined to win the World Beyblading Championship. A young man named Tyson enters the national tournament hoping to become the best competitor in the country. With the other top players in the tournament, he forms a team. The remainder of the series chronicles their adventures around the world as they battle against teams in the United States, Europe, and Asia. Along the way, they continue to fight evil entities who want to use Beyblading for evil purposes. In the second season, the team faces an evil lord who wants to take over Beyblading for his own purposes.

One of the most popular gifts in the Beyblade series is their video games. Over ten different titles have been released, spanning multiple different consoles. Three titles for the Game Boy Advance and Game Boy Color were only released in Japan; however, these games can be found for purchase through online retailers. In general, the games have been critically broken; however, this hasn’t stopped game titles from selling well. Due to the cult following that the series has developed, new game titles are expected to be released in 2010 and 2011. Other gift ideas from this series may include:

§ Beyblade Metal Fusion Super Vortex Battle Set: From dynamic attacks to evasive maneuvers, this set allows the player to practice all their best moves. From the official rulebook to exclusive Beyblade metal fusion tops, everything you need for serious showdown is included.

§ Beyblade Metal Fusion Battle Gear – Launch Grip: This device allows the user to attach their lanyard launcher and launch their Beyblade tops with more power. Includes an integrated mounting tool and additional storage for Performance Tips and Spin Tracks.

§ Beyblade Metal Fusion Battle Gear – String Launcher: This quick launch and load tool ensures the user will be ready for some serious action wherever they go. When attached to a Metal Fusion Top it provides tons of extra power.

§ Beyblade Metal Fusion Reaction Chamber: The assembly chamber tool allows the player to build and store up to different tops. The ability to stack, twist, and rip at will can affect a player’s ability to win. Currently this item can only be shipped in the United States; however, it is an essential part of the Beyblade arsenal.

Health Fitness

A guide to cardio training

Every person who wants to achieve weight loss wants a cardiovascular program that will help them achieve this goal. After undertaking this program for a while, it is common for each person to wonder if the training is really effective in reaching their goals. If you think your cardio program isn’t as effective as you’d like, it’s time to make some adjustments and take the necessary steps to achieve your weight loss goals. There is no doubt that cardiovascular exercises are one of the best methods to help burn fat from your body. However, most people have no idea what is included in this type of training program.

The vast amount of information available on the World Wide Web can be confusing and make it more difficult for you to find the right training. Unlike in the past when aerobic training was effective cardio training, it should be your last option today unless you’re training to become a professional cross country runner. Therefore, if you want to see effective weight loss and burn more calories, it is important to adopt a high-intensity training regimen to witness real gains from cardio training programs. Adopting these exercises will help you burn two to three times more calories in less time. Anaerobic cardio exercises are beneficial for building leaner muscle mass, which cannot be achieved with aerobic exercises. Building muscle mass is the best way to combat the accumulation of body fat.

For long term benefits, muscle building is vital and this is something that can never be achieved with simple aerobic exercises. Therefore, if you continue with an aerobic regimen, you may be discouraged to learn that the possibility of gaining back all the fat you lost is very likely. This is because such regimens do not provide the stable muscle structure required to defend your body against fat deposits. This is why for anyone serious about losing weight and getting rid of fat, adopting high-intensity cardio training is absolutely vital.

At this point, you probably want to know how to develop your own cardio regimen to achieve your weight loss goal. For beginners, sprinting is one of the most effective and simple cardio exercises out there. Sprint training programs are an excellent method of developing an effective and reliable foundation for adopting more difficult workouts at a later stage. After completing conventional sprint training, you can increase the intensity by including endurance sprint, interval sprint, and hill sprint programs.

In addition to speed training, people can adopt many other high-intensity cardio methods to achieve their desired weight loss. Some of these regimens include polymeric bodyweight circuit systems, agility training, and kills. All of these exercise routines are beneficial in building muscle mass while burning extra fat from your body. Clearly, if you want to achieve real, permanent weight loss, it’s recommended to start your own cardio training program and see positive results faster.

Legal Law

What happens to a teacher who gets a DUI?

Teachers are people who have a great impact on the lives of children. Because of this, teachers are held to very high standards to keep their jobs. – And keeping a clean record is part of it. A DUI is something that can ruin a teacher’s clean record and the penalties of a DUI as a teacher can be more than just a legal nightmare riddled with tickets, community service, counseling and DUI school.

The potential for job loss

In some cases, a teacher who gets a DUI can lose their job right away. However, in other situations, teachers may continue working, but their contract may not be renewed at the end of its term. Ultimately, the decision depends on the school, the circumstances of the DUI, and the state. If the DUI is a misdemeanor, then an employer may be a bit more lenient. However, if the DUI conviction is a felony, then of course the risk of a teacher losing their job is much higher.

suspend work

Some school districts will choose an alternative form of punishment for a teacher convicted of DUI, such as suspension without pay or requiring the teacher to take a year off. The length of time the suspension lasts will depend on the school and may include other requirements, such as completing an alcohol rehabilitation program. Either way, these options will still mean a loss of salary for the teacher. Which financially speaking is just one more hit as a result of a DUI conviction.

Loss of License or Teaching Certification

Depending on the state in which a teacher is arrested and convicted of drunk driving, he or she may automatically lose their license or teaching certification. Unfortunately, if this happens, it will leave the teacher with the onus of having to find an entirely new career, since he or she will likely not be able to find a job working in education. Obviously, this can be a huge blow to anyone in the teaching profession.

Being a teacher is hard work. It is a career that most people choose because they really enjoy helping people and making an impact on young people. That is why all teachers should remember the severe punishment for a DUI conviction in the field of education. Hell, if you drink, just call a cab. It is much cheaper and could save your life and your career.

Lifestyle Fashion

The best skin care products for winter

The best facial care in the winter is Face Cleanser, Face Mask, Face Moisturizer. Which can be used throughout the year, but this facial care works great on winter days.

Noreva Exfoliac Facial Cleanser – NOREVA dermatological laboratories, specialists in blemished skin, invented Exfoliac, the first acne treatment line with global kickback action dedicated to adolescents, which combines high efficacy, optimal tolerance and exceptional mattifying properties, thanks to Micro-sponge technology. and Pure Color HD, Exfoliac anti -The anti-spot treatments concentrate all their effectiveness on textures of pleasure.

In adolescence, the skin becomes shiny, thickens and blemishes appear more or less intense. In this period of questioning and fragility, where selfies and self-image play an important role in everyday relationships, these skin modifications are often little experienced by adolescents.

Ananda Clay Mask – This kaolin clay mask is effective in deep pore cleansing and fights acne and blackheads. Basil and turmeric have antibacterial and soothing properties that revitalize and brighten dull skin. Purifies and stimulates cell renewal by extracting impurities from the skin. Mix the powder with water in a 1:1 ratio to maintain a liquid consistency, make sure it doesn’t turn into a thick paste to prevent skin from becoming too dry. Apply evenly all over face with a soft brush or fingers. Keep the mask on for 10-15 minutes until it is completely dry. Wash with water and dry. Use a full ounce facial moisturizer.

ROC Pro Preserve Moisturizer – This fluid actively hydrates and protects skin’s youthful moisture. It combines 2 powerful antioxidants, vitamins C and E, which protect the skin from external aggressions (pollution, wind, cold). Its hypoallergenic1 and fragrance-free formula has been developed to respect even sensitive skin. Its fluid and light texture penetrates quickly.

There are a variety of brands that market baby care products, each claiming to be the best; it’s easy to get confused. Suddenly you end up digging into an ocean of online reviews, asking forum questions, consulting doctors, and taking recommendations! Well, let me make your life a little easier! Here is a list of the best baby products in India that you must get for your little bundle of joy.

Chicco 50+ sunscreen, with very high protection, is specifically designed to protect the delicate skin of children, nourishing it and protecting it from UVA, UVB and IR rays from the centrifuge in the 3P Complex advanced photoprotective complex. Its formula does not contain parabens, phenoxyethanol, PEG and fragrances. Enriched with active ingredients such as vitamin E and the antioxidant Physalis extract. The light texture makes it practical and suitable for every occasion.

Pets

Sexual Harassment Prevention in California

“Sleep with me if you want to keep your job.”

Sound good to you? What if your superiors have offered you as such?

In these modern times, it is hard to believe that sexual harassment in the workplace still exists. Unfortunately, it is still happening. Whether you are in a small or large organization, there is always a tendency to get mugged at work without even realizing it. Some would even use their power in the office to get what they want in exchange for job security. But what is sexual harassment? How do you know if it is sexual harassment?

According to Wikipedia, sexual harassment is intimidation or coercion of a sexual nature or the unwanted or inappropriate promise of rewards in exchange for sexual favors. In the state of California, sexual harassment prevention in California stalking cases tends to increase each year. According to statistics from the California Coalition Against Sexual Assault (CCASA), California rape crisis centers served 31,790 survivors of sexual violence in the state during the 2011-2012 fiscal year. In fiscal year 2011-2012, 134,322 people received community sexual assault education in fiscal year 2011-2012. There are an estimated 8.6 million survivors of sexual violence other than rape in California. There are an estimated 2 million female victims of rape in California, 5.6 million women in the state have been victims of sexual violence other than rape. There are an estimated 3 million male survivors of sexual violence other than rape in California. Studies suggest that 40-70% of women and 10-20% of men have experienced sexual harassment in the workplace.

With the rise in sexual assault cases in California, especially by supervisors, California sexual harassment training, as required by law, is vital for superiors. Also known as California State Law AB 1825, which is part of the Fair Employment and Housing Act, first went into effect on August 17, 2007. The legislation requires statewide sexual harassment training for any employee who perform supervisory functions within a company of 50 or more employees. Under AB 1825, supervisors must be trained within six months of being hired and must be retrained every two years. The new training, effective January 1, 2018, stipulates that the training must include specific examples of such harassment based on gender identity or expression or sexual orientation and that at least some of the training must be delivered by knowledgeable trainers. and experience in these areas. To make it easier for everyone, web-based training has been established in the form of webinar and e-learning. These training solutions are consistent, compliant, and don’t take up valuable employee time. California bullying online training courses are also easily tailored to meet the unique needs of your organization under AB1825. Failure to comply will result in laws amounting to thousands of violations and fines.

For the victims who failed to stand up for their rights, there is still HOPE! The sexual harassment law offers strong protection in California. There are numerous consulting companies that offer free workplace bullying consultations.

Just speak up and don’t be afraid sexual harassment is never pretty!

Real Estate

Understanding Veterans Financing