Archives for: June 2009
06/22/09
05:19:13 pm, Categories: Factoring , Tags: factoring companies, factoring credit card debt, invoice factoring Link: http://www.ifgnetwork.com
Credit card debt, it's not a new phenomenon... signing up over the Internet for that instant credit card and have it approved just as fast. You get the new card in your eager hands in less than 15 days, and sometimes in about a week. What you should realize is that a majority of people in the US are deep in debt.
With the backing of President Obama, a law is now being developed that would stop credit card companies from these unscrupulous doings and put a cap on the interest rates and processing charges or fines and force the credit card companies to be transparent with the "small" print. A version of the bill even involves the parent's permission before anyone under 21 years old to acquire a credit card.
Local news stations are attempting to assist consumers by running reports offering tips on how consumers can contact the card companies and have their interest rates decreased. It may last a while and one can try to get factoring companies to assist. However, until the rules are amended, another solution to aid consumers in getting out of credit card debt is to simply pay down, or settle the cards with the highest interest rates.
In theory, most advice on sustaining your credit card debts are practical and easy, like paying at least a little more than your minimum due to avoid late payment fines and charges. It's also good to have a "monthly payment plan" with specific goals for your credit card debts.
With single invoice factoring you can "tick off" one card debt to pay every month. Invoice factoring is a sales deal, not a loan. The factor is the one who is responsible for collecting on the debt. It is an opportunity to sell your outstanding bills to a factoring company, and you get an immediate cash payment in return - which can then be used to pay off credit card debt.
This does not reflect on your credit rating or credit score because it isn't a debt. The factoring company looks at the credit scores of your customers rather than that of your company. Which presents you fresh cash sources despite the fact that you have unpaid accounts from customers.
Another trouble facing almost any small business owner today is how to maintain and control steady cash flow. One of the least understood options for raising cash flow is factoring. This one tactic alone can help a business fulfill immediate operational expenses, including payroll, materials, equipment, or even taxes. It is also a good way to promptly fund development for any business.
The factoring process is like that of the credit card business, except that factoring deals only with business-to-business transactions. A business (client) sells its accounts collectible to a factoring company (factor) instead of waiting for payment from its client. As a result, the business increases its existing cash flow. The factoring company will collect the total and full amount expected from the business's customers, and will earn their profit from that payment.
05:13:42 pm, Categories: Wealth and Finances , Tags: construction factoring, factoring companies, invoice factors Link: http://www.ifgnetwork.com
You could qualify for something called construction factoring if you're a subcontractor working on a project. Are you waiting from 30 to 90 days after completing a job in order to get paid by the general contractor or your client? Are you nervous about paying employees and paying suppliers on time? This is one of the biggest challenges for construction subcontractors, especially in today's economic climate.
New businesses present even more of a challenge. What's more, you may not have much operating cash saved yet. Nobody can afford to wait that long to get paid, and few people can qualify for a loan due to the tightening credit markets.
With the construction factoring tool, small to mid-sized subcontractors and suppliers will just have to wait about two days to get their invoices paid. This means you will have predictable cash flow. As opposed to bank financing, construction factoring is simple to set up and hold.
The bottom line is that factoring provides an alternative business financing option to help contractors grow and also to satisfy their business duties. Invoice factoring accelerates slow paying invoices by financing them through a factoring company.
Link: http://www.thewileyprotocol.com
History tells us that the diseases of civilization all hit hard after the Industrial Revolution when electricity gave us inexpensive artificial light. It goes to demonstrate that the disaster of this country's health situation had three quarters of a century to develop.
Could the deprivation of sleep be ruining the endocrine clock that governs weight gain? Does the amount of time you sleep affect how much you eat? This may surprise you. Indeed. The prescription for better health is sleep, and it's free.
What T.S. Wiley tells us in her book "Lights Out: Sleep Sugar and Survival" is that the world is just too bright these days. That and the fact that people just don't get sufficient sleep, either. And because of this deficiency of sleep, people get illnesses like Type II diabetes as they get older.
For years, people have gone back and forth about the issue of making up for lost sleep. While it seems like our bodies to catch up by having us sleep more soundly the next night, recent study from Northwestern University supports my theory revealed in Lights Out:
In the research conducted by nations that have a functioning part ALL of the time, they discovered that when animals constantly miss adequate amounts of sleep, they no longer attempt to compensate, even if the lack of sleep rises. This research is the first to show that persistent partial sleep deprivation negatively affects an animal's power to make up for lost sleep. A transcript of the study's results were published not so long ago by the Proceedings of the National Academy of Sciences (PNAS).
To know more about the cause, take a closer look at the process of evolution and the circadian rhythm. This rhythm is about a 24-hour rhythm in the physiological functions of all living organisms (animals, plants, fungi and cyanobacteria.). The term circadian literally translates to "around" for "circa" and "day" for "dies" and was made by Franz Halberg. Chronobiology, on the other hand, is the real study of rhythms based on times, like weeks, months, or years. In the subject of circadian rhythms, this is influenced and regulated by external factors from the sun (sunrise, sunset) and the weather.
It is interesting to observe that women over forties are more likely to experience more sleepless nights. One reason could be the fact that they are about to experience menopause, but this trend of sleeplessness will probably go on as long as they live.
There are answers. There are natural supplements like melatonin tablets which you can buy at any Trader Joe's and ingest an hour or so before bedtime. The "recommended dosage" is one tablet every hour after sunset as the seasons dictate. As a last recourse try Tylenol PM for three days and go for a walk outside barefoot at dawn and dusk to readjust your internal sleeping clock.
Don't let children or pets wake you up at night if you can manage it. Make sure your bedroom is dark. That means lights out. Also, install a dark curtain to keep out even the moonlight from outside. Don't keep your television or PC inside in your bedroom, either. Even the lights from your digital clock should face away from you. Plus you won't need to get up and go to the bathroom during the night if you stop drinking liquid beverages at 6PM.
Attempt to sleep for a minimum of nine hours or more of uninterrupted sleep every night. Your own bedroom can be the best anti-aging clinic in town. Try it, and your family and friends might just query you who your plastic surgeon is.
04:17:12 pm, Categories: Hormone Therapy , Tags: bio-identical hormones, hormone therapy, hormones, synthetic hormones Link: http://www.thewileyprotocol.com
Bio-identical Hormones are only natural if they are Biomimetic
If you are arguing hormone replacement therapy, you're not the only one. Women everywhere are looking for answers and when they can't get them, they look to their doctors and pharmacists for help. Based from figures given by the US Census Bureau, as of July 5, 2005, there were around 78.2 million baby boomers, with over 47 million of that figure being women who are feeling tenderness and distress from menstruation and menopause, to loss of sexual interest and other side effects.
Hormones that would both make you stop aging and will harmonize with your body has been quite an attractive idea for those who are not utilizing any Hormone Replacement Therapy (HRT). There are so many products available out there that you would often find yourself perplexed as to which one you must select.
People have been used to speaking about bio-identical hormone replacement therapy (BHRT) in menopause and anti-aging medicines against synthetic big pharmaceutical products like Prempro from Wyeth. Plants that produce hormones that have identical chemical structure as the ones the body produces are usually the source of bio-identical hormone products. This is established on the idea that the body, unable to tell between the real hormones and the plant-based ones, will not resist it. The term bio-identical has basically become a catch all phrase for anything that is not a synthetic hormone. Nevertheless "bio-identical" hormones can just be truly accurately bio-identical if the hormones for replacement simulated, not only those observed in the body, but mimic the natural biological process as well.
04:08:57 pm, Categories: Hormone Therapy , Tags: bio-identical hormones, biomimetic hormone restoration therapy, hormone dosing Link: http://www.thewileyprotocol.com
Hormones are truly "bio-identical" only if they are biomimetic, an imitation of those found in the system and are able to imitate the natural way.
New research shines brilliant light on healthy hormone replacement therapy (HRT), indicating that women must cycle their hormones and have a menstrual bleed to be truly safe from cardiovascular events. Based on the latest Danish research, hormonal regimens linked with steady monthly cycle presents a smaller danger of cardiovascular illnesses on women than those constant combination of estrogen/progesterone/progestin therapy because this forbids menstrual flow.
The study also found that overall there was no increased risk of heart attacks in present users of HRT compared to women who had never taken hormones.
The study is a perfect assertion that Cyclical hormone therapy (estrogen, succeeded by a combination of estrogen and progesterone) and biomimetic hormone restoration therapy (BHRT) are in fact less risky than constant combination of substitutes be it bio-identical or artificial.
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