kkhglnd.info

This article is the first in a series that will explain the many facets of garden design and provide you with the knowledge required to plan a functional and aesthetically pleasing garden. In these articles you will find the necessary information required to undertake your own garden project from conception through to completion.Every garden benefits from good garden design. Whatever your expectations are, planning and design are essential. One of the first questions I ask a client (as a design consultant) is “what do you want from your garden?” The planning will focus on these needs and create a personalized garden that can be enjoyed by everyone for years to come.To provide a definitive guide on garden design I would need to be writing a 500-page book, so we will only look at the absolute basics in this article. One thing I have learnt over the past twenty plus years as a garden designer is that few of us are totally content with our gardens. Despite the immense pleasure we derive from them, there is always something that could be better.Many long for a larger garden, a few for something smaller and more manageable, but the vast majority will make the best of their existing plots. Improving our garden spaces, coaxing the maximum impact from them is an enjoyable challenge that most avid green thumbs would rise to. The trick of course is knowing how!Gardening is essentially about growing plants, but the setting in which we place them is probably the single most important element that makes a garden appealing or otherwise. Personal tastes in garden styles vary as much as in other aspects of living, and what appeals to one person may not appeal to another. The true test of good garden design is whether the result appeals to you. As a garden designer I have always seen my role as a facilitator, aiming to assist my clients to create a garden that reflects their taste and personality.A good garden designer will open a magic box of inspiration and imagination. We show you what other enthusiastic gardeners have done, and how others have made the most of potentially insurmountable plot issues.Your own level of interest is the key factor to consider when making a decision to have your garden designed and constructed by professionals or taking on the project yourself. It will cost you a great deal of money and the chances are that it won’t give you as much satisfaction as having created a garden through your own efforts.Engaging a design consultant to explain the basic techniques and perhaps provide some inspirational ideas may be all you need to get the ball rolling. In the end only you can decide what is right for your garden. Tastes in gardens vary as much as in interior design and preferences for art or music. The true acid test of whether your new garden design has worked is only gauged by the pleasure that it gives you.Make use of a professional designer by allowing them to suggest ideas and explain the techniques they use. Have faith in your own ability to soak up their inspiration and experiment on paper. You will soon develop skills that will enable you to design your garden with confidence.The best gardens are carefully planned. The most important elements include:
Creating your wish-list
Surveying and measuring
Drawing your plans
Creating patterns
Choosing a formal or informal layout
Understanding garden styles and themes
Using shapes – both geometric and unusual
Overcoming gradients
Front versus back gardens
Creating Illusions
Preparing a planting schedule
Maintenance – high or low
Understanding these facets of landscape design will enable you to create a 3-dimensional image in your mind of the desired end result.In future articles I will look at some of these specific elements of sound garden design in more detail, and provide you with the information required to tackle a design project yourself. A little knowledge goes a long way and I have no doubt that you will surprise yourself by discovering exactly what you can achieve.As always… Happy gardening!

The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.

Business capital requirements in Canada often boil down to some basic truths the business owner/financial mgr/entrepreneur needs to address when it comes to financing for businesses.

One of those truths? Knowing the true state of their financial condition and what financing they do and don’t qualify for when it comes to meeting commercial lending requirements in Canadian business.

Business Loans In Canada

Whether you are smaller or start-up firm looking for information on how to get a business loan or a larger established firm looking for growth financing or acquisition opportunities we’re highlighting 3 mistakes that commercial loan seekers like your company need to avoid making when addressing, sourcing and negotiating your cash flow / working capital and commercial financing needs.

1. Understand the true condition of your company finances – These are almost always successful addressed when you spend time on your financials and understand how your financial statements reflect your access to commercial loans & business credit in general

2. Ensure you have a plan in place for sales growth and financial needs as it relates to commercial financing

3. Understand that actual hard facts about cash flow which is, of course, the lifeblood of your company

Can you honestly answer or feel positive about all those 3 points. If so, pass Go and collect $ 100.00!

A good way to address your company’s finance plans is to ensure you understand growth finance solutions, as well as how to manage in a downturn – i.e. not growing, losing money, etc; It’s never fun to fund yourself in an economic or industry downturn such as the COVID pandemic of 2020!

When we talk to clients of new or established businesses it seems they are almost always talking about sales, so the ability to understand and focus on the differences in their profits and cash fluctuations is key.

How do cash flow and sales plans and projections affect the type of financing you require? For one thing sales growth usually starts out by consuming your cash, not generating it. A poor finance plan will drag your business down and addressing financing simply gets tougher and tougher.

Three basics always emerge when it comes to your search for the right business capital and financing.

1. The amount of financing you need

2. The type of financing (debt/cash flow/asset monetization) The business loan interest rate will be dramatically affected by whether you choose traditional or alternative financing solutions. Private business loans in Canada come from non regulated commercial finance companies most often known as ‘ alternative lenders ‘. These lenders are typically highly specialized in one ‘ niche ‘ of business financing and may be Canadian firms or branches of U.S. banks and non-bank lenders

3. How the financing is structured to be manageable with your day to day operations

What Finance Company In Canada Can Meet Your Borrowing Needs & Why Is Capital Important In Business

Let’s identify and break down key financings your firm should know about and understand if they are applicable and achievable to your business. They include:

A/R Financing / Factoring / Confidential Receivable Finance

Inventory finance / floor planning / retail inventory

Working Capital term loans

Unsecured cash flow loans

Merchant working capital loans/advances – these loans are geared toward short term cash needs and are typically one year in duration. Loan amounts are typically 15-20% of your annual sales revenues.

Royalty finance

Asset based non bank business lines of credit

Tax credit financing (SR&ED bridge loans)

Equipment Leasing / Sale leasebacks – Equipment financing in Canada is used by almost 80% of all companies looking to acquire new, and used, assets.

Govt Guaranteed Small Business Loan program – Government Loans in Canada are sometimes referred to as ‘ SBL’, aka Note: BDC Finance solutions are available from this Canadian non-bricks and morter crown corporation. A small business loan via the government-guaranteed loan program comes with true flexibility around term loan duration, market rates, no pre payment penalties, and of course the low personal guarantee that is required by borrowers. These two ‘ government ‘ loan solutions are often perfect for financing a new business.

If you’re focused on not making mistakes in your business finance needs and want to capitalize on the solutions your competitors are probably already using seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your cash flow and commercial financing needs.

Stan has had a successful career with some of the world’s largest and most successful corporations.

His employers over the last 25 years were, ASHLAND OIL, ( 1977-1980) DIGITAL EQUIPMENT CORPORATION, ( 1980-1990) ) CABLE & WIRELESS PLC,( 1991 -1993) ) AND HEWLETT PACKARD ( 1994-2004 ) In 2004 Stan founded 7 PARK AVENUE FINANCIAL – He is an expert in Canadian Business Financing.