Original Penguin – Quality Mens Clothing Brand

Most of today’s fashion conscious men want simple and stylish clothing but of good quality and cut. Items of clothing that will appear in most men’s wardrobes will no doubt be jumpers, jackets, polos and t shirts, all simple attire but always looks clean and smart whatever the occasion.Some of the younger lads might want a more stylish edgy look and go for t shirts with fancy patterns and slogans and team them up with washed denim jeans and cheap white pumps but the real stylish dressing lad will dress down and go for more simple classic looking clothing like polo shirts, jumpers, jackets worn with dark selvage denim jeans a nice deck shoe, desert boot or even a quality white pump and this doesn’t need to have big patterns or logo’s to get the attention of others, the clothes he wears just speak for themselves.A fine example of stylish quality casual clothing that is compared to many brands considered quite cheap is Original Penguin.Original Penguin make some of the best quality polo shirts currently available and you can buy them online for less than £50 a piece which in current day pricing is very good value. A nice v neck knit jumper from Original Penguin will probably cost you about £65 if you browse the internet and buy one online as with most clothing this is the best place to get value for money. Another classic piece of clothing from Original Penguin has got to be a jacket and the most well known being the Ratner Jacket, which is just a simple full zip lightweight available to buy online in various colours for a cheap price of around £70, although its only a lightweight jacket, its still ideal choice of clothing on a cold day if you wear a jumper under it.Most of the Original Penguin clothing range will have a small embroider Penguin logo on the left side of the chest so although it doesn’t have big horrible logos people will still recognised the brand as quality clothing by this small discreet logo.These days the online market is becoming crowded with not so good quality clothing at very cheap prices but for the cheap price you’re getting cheap quality clothing so it pays to buy a trusted brand. Search the internet for Original Penguin clothing and if you see a polo shirt, jacket or jumper why not treat yourself and buy it and I’m sure you won’t be disappointed with the quality and it will be a clothing brand that will appear in wardrobe a few more times in future

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.

Skin Care Jargon – Demystified!

Have you ever looked at the ingredients list of the skin care products and skin care cosmetics that you buy and got confused by the undecipherable terminologies used? Just as it is important to consider the ingredients of your skin care products, it is important that you know what the terms and jargon are. So here is a handy list of common buzz words of the skin care market.AntioxidantsThey are powerful nutrients that prevent free radicals from causing damage to the skin cells. Free radicals are actually unstable oxygen molecules that take away electrons from their surrounding molecules thus creating a chain reaction and damaging the skin. Antioxidant rich skin care products can enhance the skin quality.Chemical SunscreensUnlike regular sunscreens (referred to as physical sunscreens that block the UV rays of the sun) chemical sunscreens absorb the ultra violet radiation. Popular chemical sunscreen ingredients are Avobenzone, Oxybenzone, Octisalate and Octinoxate.Collagen and ElastinThey are protein fibers found within the skin cells that are responsible for the skin structure and elasticity. Collagen supports the skin tissues and keeps it firm and taut while elastin allows the skin to stretch and strain without getting ruptured. As we grow old, the levels of collagen and elastin fibers deplete thus leading to the formation of wrinkles and fine lines.EmollientsThey are special ingredients that help spread and keep other agents of the skin care product on the skin. They help lubricate the skin and protect the barrier function of the skin. They lie on top of the skin surface and trap in the moisture. In this way, emollients help to prevent dehydration.Essential OilsDerived from herbs, essential oils have an extensive range of skin care benefits. They are often included in skin care products to deliver a soothing and stimulating feeling to the skin. However, it is not advisable to use essential oils during pregnancy.HumectantsThese are the ingredients that attract moisture to the skin and thus soften skin’s surface. Because they help to keep the skin moisturized, they are effective in diminishing the appearance of wrinkles and fine lines that are a result of dehydration.HypoallergenicThis term is used to describe ingredients that do not or are less likely to cause any allergic reaction on the skin.KeratinFound in all the layers of the epidermis, this protein fiber that protects the skin against a range of stressors. Hard keratin is found in hair and nails. In fact, the epidermis is comprised of 95% of dead keratinocytes. This is why it is necessary to exfoliate the skin on regular basis in order to scrape off the dead-skin layer and reveal the fresh new skin cells underneath.Free RadicalsAggressive oxygen atoms that have lost an electron, and are therefore unstable. They must then look for an electron from other atoms, which can cause a damaging cascade effect.NoncomedogenicThis is a common term used for skin care products that do not clog the skin pores or cause comedones.Open Comedones/ Closed ComedonesOpen comedones are whiteheads while closed comedones are blackheads. They are a result of accumulation of dirt and debris within the skin pores and subsequent blockage of the same.Physical SunscreensThese sunscreens reflect off and scatter the UV rays of the sun when they reach the skin surface. Physical sunscreens are advisable for people with sensitive skin. Common ingredients of physical sunscreen are Titanium Dioxide and Zinc Oxide.ParabensThey are the artificial preservatives used in skin care products in order to prolong their shelf life. Though they are important to prevent the development of micro organisms in skin care products, but they can be harmful for the skin. It is not advisable to use products that contain a large concentration of parabens. Smaller concentrations of the same are safe though.Stratum CorneumThis is the outermost layer of the skin. Skin cells that are formed within the deeper layers of the skin take about 28 days to reach the stratum corneum. The cells in this layer are all dead and require exfoliation to clear off. However, even though the cells are dead, they form the first line of defense for our skin. They prevent water loss and protect the skin from environmental toxins and UV rays.SurfactantsThese ingredients help to reduce surface tension between skin and the skin care product that you apply and enable it to spread better.