What We Have Here Is A Failure To Communicate

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.

How to Get Your Private Party Auto Loans

The problem occurs when the individual planning to buy the car does not have enough cash to make the down payment. That’s where private party auto loans come in. They provide a way out for such individuals who desire to finance their vehicles and don’t have enough resources to make their down payments.What are private party auto loans?It’s not mandatory to get your auto loan from traditional car dealers or banks. It’s possible to negotiate with private parties and finance your commutation needs. One way of doing this is to get your credit facility from a private party who specialize in providing car loans without any down payment. Typically, in order to avail private loans, it’s important to find a vehicle that’s offered for sale by the original owner. At times neighbors, relatives, acquaintances, and colleagues decide to change their car, and put up their old car for sale. They often advertise their sale in local newspapers, magazines, and even advert their vehicle online in forums and portals supporting classified ads. One can get a good deal from such sources.Once the particular model or make is selected, the current owner has to be contacted for the sale price and vehicle specs. Thereafter, through proper price negotiation, it becomes possible to get a decent price for the car. The major advantage in these kinds of person to person auto loan sales is there are no brokers or dealers involved, and so the price of the car does not include the brokerage or commission. The buyer gets a potential discount that way.And the second advantage is you end up communicating with the actual owner, and not the auto dealer, so you end up with first hand information regarding the vehicle’s performance and history, including various aspects such as maintenance, insurance, any previous accident history, etc. The third advantage is you end up paying an affordable price for your car, since used cars cost significantly less. The used auto loans private party monthly loan repayment amount is therefore less, so it’s easier to repay. This actually improves your credit scores and ratings, since FICO scores increase with regular payments.How to apply for private party auto loans?The process is quite simple. The buyer generally searches online for cars offered for sale, and browses the list of vehicles. Thereafter, a few of the models and makes satisfying the buyer’s requirement are short-listed. The buyer has two choices. Either to contact the seller directly and negotiate the sale after checking out the vehicle, or apply online after filling up an application form. The forms are simple in nature and some basic information has to be provided by the applicants.Alternately, the buyer can also specify some specific requirements such as mileage, age of the car, specific model or make, and even the year of manufacturing in rare cases. Some buyers also request for information related to the existing owner to ascertain how well the car has been maintained, how many services it has had, and also some specific data associated with the insurance policy or claims linked with the car.Once the car and the owner has been decided, the second step is to approach the lender. If you’ve applied online, a loan provider will be made available to you so you don’t have to search for one. In case you’ve negotiated directly, and if your credit ratings are low, it’s recommended you search online for bad credit private party auto loans provider and fill up the application form to avail your credit facility.What are eligibility for private party auto loans?One needs to qualify for private party loans. Generally, the norms related to the eligibility remain more or less common amongst the providers, and are narrated as follows:o The applicant should be of 18 years of age or above.
o The minimum income per week should be $418 or $21,736 annually.
o The borrower should have lived for more than six months within the last two residences mentioned in the form.
o The applicant should have worked for more than six months with the last two employers mentioned in the application form.
o The borrower should not have filed for bankruptcy, nor be involved with any ongoing bankruptcy.
o The individual should possess a valid social security number.Many private money lenders advertise their loan products online so sufficient choices are available. Once you submit your application online, the company executive co-ordinates with the potential buyer to get the required documentation and contact details.

Business Capital Solutions In Canada: Accessing Proper Cash Flow & Commercial Financing

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.