Many people enjoy travelling and will always do so at any available opportunity. Some people travel often because it is part of their job requirements. There are those who rarely travel but will gladly do so once in awhile especially during vacations. When leaving your home for a night or more, it is always very important to take along with you everything you need to make yourself as comfortable as possible for the period you are away from home. Also take with you everything you need to fulfill the purpose of your travel, such as things you may need if you are on official/ business trips. If you forget something you would have taken for your travel, it may not only frustrate you but also sour your spirit, You may even incur extra expenses because you may be forced to buy something you would otherwise not have bought. So it is important you plan ahead and decide what you need for your journey and what kind of suitcase or luggage bag will be most suitable for your journey. What you may need for your journey and the type of travel bag you will need depends on the length of time you will be away from home and also the mode of your travel. What you may need for a business trip will be different from your needs when going for a vacation. When you have made a good mental recollection of what you need for your travel and your mode of travel (travel by air or drive yourself to your destination), you then have to decide on the type of travel bag to pack your things in. You have to choose the type of suitcase or travel/ luggage bag that will give you the greatest flexibility and allows you to travel light.Traveling With Luggage Bags /Garment Bags for Official/ Business TripsMost people prefer to fly if they are travelling for official or business purposes such as attending business meetings or going for conferences. In this case you may be spending a night or two away from home, then your best choice of travel bag may be a carry-on bag with wheels or a messenger bag. The messenger bags and rolling bags are available in many sizes ranging from 13″ to 21″. Each of these travel bags lets you travel light because you can fit your computer into your travel bag. The unique design of each bag allows you to comfortably store your notebook/iPad in addition to clothing and personal accessories in the same bag. Each bag has special overnight luggage section that provides enough room for the clothes you need while on your journey. Each bag is perfect for short official/business trips. Each type of carry-on case has all necessary notebook case features including a zip-down workstation with storage for your mobile accessories, pen loops, key clip and business card holder. The rolling carry-on bags have smooth-rolling wheels and telescoping handle that makes the rolling case a perfect companion for the businessperson on the go.Some people may prefer to travel with a garment bag, computer /notebook carrying case or a multipurpose handbag (for women). The garment bag is great for protecting clothes while traveling. The clothes stay neat and wrinkle free. The garment bag has multiple pockets and can hold up to 4 garments. It has four interior pockets that provide enough room for shoes and accessories like cosmetic/makeup bags, toiletry bags and curling hot iron cases. It also has one exterior pocket where you can put the book you want to read on the plane or any other thing you want to be handy while you are on the plane. This garment bag is very stylish, lightweight and durable. It has full-length center zipper that gives you easy access to the inside. It also has full exterior zipper closure that ensures that everything inside the bag is secured. When you have packed everything you want inside the bag, you can fold the garment bag into two. The bi-fold bag has two handles that makes it easy to carry. It also has a metal hanging hook that allows you to hang it on a wall. You can then use your multi-purpose handbag or computer/notebook carrying case to carry your computer/iPad.Some other travelers may prefer to travel with an overnight bag. The overnight bag has zippered main closure with three zippered side pockets and two Velcro end pockets. It has adjustable shoulder strap and carrying handle. It also has a black linen inside lining that makes it great for wiping out and keeping clean.Travel Accessories- Snoozer – Travel Neck Pillow / Blanket in VeluraBeside the travel/ luggage bags that you need to pack everything you need for your journey, you may consider other travel accessories such as a luxurious Velura covered neck rest that not only carries a soft, easy care Velura 40″ x 60″ blanket inside, but also has an inflatable pillow that allows you to enjoy a warm and comfortable trip. The PVC inflatable pillow is easy to inflate and deflate and the blanket is so soft that it easily folds back into the pillow cover. This snoozer-travel neck pillow/blanket in Velura is a compact, easy to carry travel item that you can use to provide comfort for yourself on any journey. This travel accessory is ideal for business or recreational travelers.What You May Need When going on Family VacationMany families choose to travel by road when on a family vacation; Travelling together in a car is part of the close family experience that every family cherishes and long for every year. Preparing for this long travelling experience for the families can be a sweet challenge for parents, especially when the journey involves very young kids. The thought of how to keep them engaged and entertained all through the long journey can also be daunting.It is no brainer to say that you need suitcases to pack the family’s clothing and needs while on vacation, The challenge is what type of suitcases do you need. Do you need a suitcase for everyone in the family or do you need to put everyone’s clothing in a common suitcase? Depending on the number in the family and the ages of the kids, you may have a common suitcase for clothing and another for other accessories. Alternatively, each kid can pack his/her accessories in his/her backpack, while you have a common suitcase for everyone. In another arrangement, you can let everyone in the family use a garment bag to pack both his/her clothing and accessories. This is one of the “sweet-bitter” choices parents have to make.Use A Thermal Cooler Bag to Pack Enough Cold Drinks For Everyone While On The JourneyDepending on the length of the journey you might want to travel with enough cold drinks packed in a thermal cooler bag. The thermal lining of the cooler bags prevents the drinks from absorbing heat as such the drinks will remain cold for a very long time. The idea is for you not to stop to buy cold drinks each time any member of the family wants something cold to drink. Having sufficient cold drinks handy when you need them gives you enough driving time and also lets you stop only when you need to break the journey for any other thing other than just buying some cold drinks.Make Your Kids Comfortable With Kids’ Travel AccessoriesBesides having enough drinks handy for anyone who needs it during the journey, it can also be a challenge to keep the kids comfortable during a very long journey. You can keep your kids comfortable all through the journey by allowing them to use kids’ travel accessories such as travel buddies. Kids’ travel buddies are ultra soft neck pillows that allow kids to snuggle with their buddy while “visiting the land of dreams!” These buddies that are available in different animal characters are perfect for strollers, cars and any other place kids drop off to sleep.Scosche backSTAGE pro II Vehicle Mount for Tablet PCApart from providing cold drinks for your kids when they need them and making them (kids) comfortable while they sleep during the journey, keeping the kids engaged during the course of the journey is another challenge. Some parents allow the children to read their books during the journey, and play their video games when they are tired of reading. These are good ways to keep your kids engaged. Another way is to have them watch videos/movies on iPad while you drive. In this instance, backSTAGE pro II is very suitable. Use the backSTAGE pro II to securely and rugged mount your iPad 2 to the back of any headrest so that your children can enjoy hands free viewing of movies, apps, games while you drive. This device is ideal to keep your family entertained with ease when you are on a long journey. The backstage pro II has a charger that plugs directly into the headrest mount and provides a continuous charge to your iPad 2. It has wireless IR headphones for private listening and a USB port that supports flash drive use for viewing images.These are some of the things you need to consider when preparing for a business trip or family vacation, to ensure that you have the most comfortable journey whether you travel by air or travel by road with your family on a vacation.
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.
Shoe Repairs And Several Other Things When I Was 7
Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!
He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.
But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.
Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!
Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.
We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.
Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.
Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!
But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.
Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.
Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.
And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.
All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.
He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.