Tips On Getting The Best Nutritional Information
Just a generation ago, finding good nutritional information was very difficult. There was not really nutrition information available on anything besides the most basic foods. Of course, you could find the nutritional content of, for example, your average apple with ease. Finding nutritional information at McDonald’s, however, was a little bit more difficult. The big fast food makers and other marketers of unhealthy junk food did not want you to know the information nutritional facts about the stuff that they were selling for obviously reasons.It took some extensive consumer protection laws to get things to change, but nowadays nutrition information is much more readily available than ever before. There are databases with literally tens of thousands of entries detailing all of the nutritional facts about practically any food you could think of. You can find how many calories in skim milk, how much fat in a big Mac, or any other nutritional information that you might want. It really is a good time to be a consumer.The only problem is that, with all this nutritional information available, many people still make unhealthy choices with what they eat and how they live. Nutritional information, after all, is only half of the process. The other half is making the right choices. The reason that diet pills and other supplements are so popular is not because people want to live healthy lives, but because people want to look good without living healthily. Many of the folks that I know do everything that they can to avoid giving up junk food. They actually make their lives much more difficult by refusing to give up fast food. Although they are supposed to be more convenient, fasts foods make finding ways to stay healthy and lose weight fast much more difficult than doing the same thing while eating well. If you do not have that one binge once a week, you will be amazed how quickly the pounds will drop-off.The bottom line is that you do not need information about nutrition in order to eat healthily. Many of us already have all the nutritional information that we need. If you know that, for example, greens are good for you, excessive red meat is bad for you, refined carbohydrates should only be eaten in moderation, and a high fiber diet is excellent for the health, that is all you need to know. Of course, you can count every calorie if you want to, but it really is not necessary. Besides that, it makes eating less fun!
Financing For Equipment – Three Things You Need to Know About Canadian Equipment Leasing
Financing for equipment is sometimes a challenge for Canadian business owners and financial managers. What if you had a solid understanding of 3 key elements of Canadian equipment leasing and financing. Let’s explore some key information around three critical elements of lease financing -1. What can be financed?2. What are the type of leases and rates available to my firm?3. What is the best way to obtain a prompt approval at the best rate, terms and structures for my business asset acquisition?So what assets can be financed in Canada? The reality of that answer is that almost every business asset can be financed, and moreover, two other key points need to be made. In many cases even intangible assets can be financed – a solid example is software for your business, or even the additional add on requirements that come with many asset acquisitions – these might include installation, warranties, maintenance, shipping/delivery, etc. And, furthermore asset financing in Canada definitely includes the financing of used equipment, which is a major part of the Canadian equipment financing industry.Millions of dollars of used equipment, purchased here or in the U.S. or other international locations are financed annually. We add two critical cautionary items of note here – in certain cases and appraisal or asset valuation or inspection might be required if the asset is new, and in many cases a down payment might be required on a used piece of equipment. These two points would still clearly not negate the major benefits of financing a piece of used equipment. Why used? Simply because many assets in many industries still have a very useful economic life after a typical usage of 3-5 years, for example thing production equipment, etc. In many instances, especially with the use of the internet and auction sites pricing on used equipment might be exceptionally favorable.One other solid tip is to get your lease financing approved in advanced, as this might allow you to negotiate a better price with the vendor given you are pre approved and the vendor knows they will be paid directly from the leasing company.Let’s move on to our second point, which is simply that there are some critical technical aspects to lease financing that are very important for business owners to be aware of. First of all you should ensure that you understand there are two types of lease financing available – to keep it simply we will simply call them, as the industry does:Capital leasesOperating LeasesWhich one is best for your firm?We always dislike saying to our clients ‘it depends ‘but the reality is that the choice of lease type should be driven by your final motivation with the asset. By that we simply mean that you need to determine, in advance!, if you intend to own the asset at the end of the lease, or if you simply want to use and return it after an agreed upon amount of time, usually 2- 5 years, although shorter and longer terms might apply (that’s the flexibility of lease financing).Choosing the type of lease you pick will significantly impact how the lease is carried on your books, and also it is a critical factor in driving pricing. Operating leases will always be priced with a lower monthly payment as the asset is returned to the lessor at the end of the lease. Clients ask us ‘what if we later determine the asset still has a useful economic life and we wish to keep it? Again, here is where the flexibility of lease financing comes in, because you are allowed in an operating lease to pick one of three options at end of term – you can return, purchase, or upgrade. Actually there’s a fourth option, which is simply to agree to extend the lease for a pre agreed upon amount of time.Let’s move on to our final point, which is simply – You have made the decision to acquire an asset through lease financing. How do you go about that in Canada? We advised clients to work with a credible, experienced, and trusted lease financing advisor – even basic assistance around the final rate, term, and structure could save you many thousands of dollars in payments. Or at the same time, negotiating on your behalf any critical areas such as down payment, limited personal guarantees, or end of lease options can all be the make or break point in Canadian lease financing success. Additionally, the lease financing industry in Canada is very fragmented and consists of captive firms tied to manufacturers, independent Canadian and U.S. firms, and very specialized firms that only do or finance certain things.In summary, arm yourself with some critical knowledge of lease financing and you will be rewarded with the knowledge that you have chosen the best financing method for the acquisition of new and used equipment and business assets in Canada