Fabulous News For First Time Home Buyers

What fabulous news for first home buyers, a whopping $21,000 towards deposit, expenses or even new furniture if you buy a brand new home before June 2009. So if you’re ready to take the plunge and sign up for what is likely to be the biggest commitment you’ve ever made, now, more than ever, seems to be the perfect time to get into the property market as a first home buyer. Even though your friends and family will be full of advice, as with any major decision in our lives, it’s always good to take their experiences and opinions on board, however your own research will give you peace of mind and assurance, before you sign up for the big purchase and possibly sign your life away to the mortgage company.Generally, most first home buyers already have an idea on the location and the type of home they want, so now it’s just a matter of finding out whether you can afford what you want to buy. Almost all the major banks and other lenders offer special packages with reduced application fees and lower interest specifically for First Home Buyers. With the help of some comprehensive search engines, shopping around not only for a home loan, but a property is almost as easy as 1 – 2 – 3, so jump on the internet and let your fingers do all the work for you. It’s important to remember that the bank can’t lend you all the money to buy your first home. As a first home buyer, at least a small part of your deposit will have to come from your own savings or alternatively a gift from your relatives. Once you find the right home loan, apply for a pre-approval. This can be done either online or in person. A pre-approval is the bank’s preliminary approval subject to an acceptable property. You will need to provide a completed application form along with requirements such as your identification, income evidence and savings (gift) verification. Once the bank is satisfied that you’re an acceptable first home buyer, they will issue a pre-approval and you can start shopping around for your first home.So when and how do I apply for a First Home Owner Grant? The First Home Owner Grant is only available to Australian residents and citizens, so before you apply you should contact your state revenue office, alternatively visit their respective website for more information. If you satisfy all the first home buyer criteria and conditions, there are two ways you can apply for your first home owner grant. If you apply for your first home owner grant via your bank, you’re likely to receive the grant at settlement, so on the day you officially become a home owner. If you apply for the grant directly with the state revenue office, the grant is not likely to come through until after the settlement. The best way is to keep in regular contact with the lending manager of your chosen bank. Remember, they help first home buyers every day and are the best source of information and guidance, so don’t be afraid to call them if you have a question, after all, they’re here to help you.

Where Women Go for Ladies Biker Apparel

Whether they ride their own or perch themselves on the backseat of their favorite biker’s iron horse, who can deny that those women on two wheels are some of the finest looking creatures on god’s green earth, and like a custom paint job that defines the bike, the style of ladies biker apparel they choose to wear speaks volumes of their confidence, attitude and free-spirited nature.But where do these lovely ladies go to shop? They have several shopping options however, the selection is somewhat limited as many ladies biker apparel retailers source from the same few wholesalers.Harley-Davidson Apparel
Harley-Davidson (H-D) logo apparel is very popular amongst many ladies who ride. H-D always offers a large selection of very attractive mainstream ladies biker apparel including leather, typically all of great quality. The hit against H-D apparel comes with its price which is substantially more than other motorcycle apparel outlet. None the less, they do offer very attractive, quality ladies biker apparel for those with deep wallets. The other pitfall of H-D apparel is its high availability to a very small demographic. The motorcycle community is little in comparison to the number of people that shop at major retails and with a large percentage of women riders shopping for H-D apparel, it is not unusual to see several woman wearing the same H-D branded merchandise while walking through the crowds of bikers at any major motorcycle event. It’s just the nature of the beast when there are so few options in unique ladies biker apparel.Motorcycle Event Vendors
Probably the most popular place women riders shop for ladies biker apparel is at motorcycle event vendors. Vendors are a part of the biker experience and it seems as if it is everyone’s goal to make at least one pass through each booth. Early season shopping is always the best as all the latest ladies biker apparel offerings are on the shelves. Vendor merchandise is always affordable and customers rarely walk away from something they like for fear it will be gone when they return. Rally vendors typically offer a nice selection but their merchandise does however target the largest buying demographic so graphic tank tops and moderately sexy crop and cami tops make up the bulk of their inventory. Vendors rarely offer anything too edgy and out of the box as they take up room for faster moving merchandise.Motorcycle Product Catalog Retailers
The two leaders in motorcycle product catalog sales are J&P Cycles and Dennis Kirk. Although both of these companies primary focus is on motorcycle parts and accessories, they both offer a small section of ladies biker apparel in their catalogs. Aside from their signature clothing line, most of their ladies biker apparel offerings are much similar to what you find at a motorcycle rally vender but at a slightly higher price in most cases. The big advantage however, is the ability to shop before riding season starts and of course they have return policies which most vendors simply cannot provide. J&P Cycles and Dennis Kirk both have retail websites were all the same ladies biker apparel available in their catalogs is offered on-line.Motorcycle Rally Apparel
Lady bikers who partake in the occasional adult style motorcycle rally have a particularly difficult time locating event appropriate biker apparel. These free spirited ladies seek rally apparel that is substantially more revealing and uninhibited than apparel provided at any of the typical clothing outlets. There are far fewer sources of adult minded motorcycle rally apparel than any other style of biker apparel bar none.No matter what their style and taste, women riders have plenty of choices when it comes to how and where to shop for riding and rally apparel. While some styles may be more difficult to fine, woman riders are persistent and will seek out ride and event appropriated apparel that accents their biker style and attitude.

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.