Quality Specialty Tea and E-Commerce

There is no question that quality loose leaf tea is better tasting and offers more flavors and varieties that bagged tea. But quality loose leaf tea has another feature that appeals to tea drinkers and that is ease of ordering on the internet.Internet shopping or e-commerce as it is often called offers variety, lower cost and convenience and now, with the security safeguards offered by security providers like Verisign and others, e-commerce is absolutely safe.Over the years, e-commerce sites have become easier and easier to use and now orders can be placed quickly and easily. In addition, many e-commerce sites offer a variety of low cost shipping choices that can arrange delivery to the customer’s home, place of work or other locations.Prices are low with e-commerce shopping because the human element is removed and often the consumer can make a purchase without paying annoying and costly sales tax.Loose leaf specialty tea is a particularly attractive product for e-commerce. There are a wide variety of tea choices that can be included on the tea e-commerce site and, in addition to tea products, many suppliers offer high quality accessories.E-commerce sites can also provide value added information that the consumer needs ranging from in depth articles about tea and the history of tea to caffeine levels and compatible menu choice that enhance the tea experience. Some sites even provide for customer feedback that allow the consumer the ability to rate the product and service.Some e-commerce suppliers make ordering and trying the tea even easier by offering packaging that includes sampler packages (avoids the high cost of trying new flavors and blends), attractive tea tins, and ½ lb and 1 pound packages for bulk buyers. Of course, as the quantity of tea increases in each package, the unit cost of the product decreases.Loose leaf tea is also easy to ship and store and has a long shelf life so in these days of rising fuel prices, the cost impact of shipping becomes minimized.Some tea e-commerce sites are particularly good at promoting their products on the market by creating links and providing rich content that is used by search engines that list the sites. This type of promotion is definitely value added in that only new, fresh content about tea is rated by the search engines. In addition, those sites with relevant content links are counted by the major search engines.In the end, however, it is the quality of the product and service that create customer satisfaction. If the product is low in quality or the service of ordering and shipping is substandard, aggressive promotion will not create business in the long run. Successful specialty tea e-commerce sites offer the highest quality products combined with the most efficient, customer oriented service.When buying specialty tea through an e-commerce site always look for quality tea products from a site with a reputation for customer service and satisfaction.
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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.

The Beauty Behind the Lucy Workout Clothes Brand and Why It Will Inspire You

The right workout clothes will inspire you to push a little harder and reach a little farther as you work to attain the physique of your dreams. The two most important properties fitness wear must have are a comfortable fit and proper support. You must be comfortable during your workout so you can focus on your routine versus adjusting your clothing; the fit must be right so that accidental exposure doesn’t become a problem. You also need proper support so you don’t feel exposed or uncomfortable due to too much bounce or jiggle. Lucy workout clothes are the best choice out there because they offer a variety of tops, bottoms and accessories to inspire any fitness enthusiast to lead an active lifestyle.The Lucy brand of workout clothes is a stylishly made, functional line of women’s active wear. The cuts and designs are all very attractive and flattering to the female form without being too revealing. This line is made from materials that allow air to flow through the clothing keeping your skin dryer which helps to keep you comfortable as the sweat really begins to flow. You can easily mix and match the clothes from their line which makes it easy to create many different outfits from a hand full of items.Lucy workout clothes come not only in basic black but in a rainbow of greens, oranges, pinks, purples and blues. This wonderful splash of color adds beauty and vibrancy to this clothing line that is sorely missed from other brands.There are also accessories available that you may need such as sweatbands, headbands, socks and more.
If you have a tough time finding a good fitting outfit, then you have come to the right place. Lucy’s line has clothing in petite to tall, from extra small to plus size. Rest assured if you need tall pants, Lucy will cover your long torso beautifully. If you have a fuller size, Lucy plus sizes will provide you with great coverage and support while flattering your female frame.Lucy has a fantastic online store filled with items on sale and two for one buys not available at their physical stores. If you are not sure of what size you may need, then by all means step out and visit a Lucy store near you. Once you find that perfect fit shop in-store or online. Of course Lucy’s online store has a sizing chart so please be sure to check it out before you make your online purchases.Lucy workout clothes are priced more mid-range when compared to other brands. While they do have pants priced at $100, they also have great high quality pants priced at $20. Most of their clothing is regularly priced somewhere from $30-$80. Of course there are sales and special going on just about every day so check in at their online store often.