A New Home for My Extended Family

I had heard a good bit about the 12 on Shan launch because I work close to where it is being developed. I have seen it go from nothing to this magnificent piece of architecture. While I was already living in the home I hope to be in forever, I did become more interested the more I learned about it for my parents and my younger sister. She was married with a young baby and a three year old when her husband died, so she has been living with my parents in their small condo ever since.

I knew that this development would be perfect for them because they are dual key condos. My parents don’t require a lot of space as they are usually out and about, while my sister and her two children spend a lot of time at home. Continue reading

We Had an Eventful Evening

It started out like any normal weekend night, me and my buddy from work decided to go out to a bar and try to talk to girls. Obviously that is not anything special, we do it all of the time with limited success. At any rate we left this one bar and we were walking to another when we saw this Toronto platinum party bus parked in front of a really nice strip club. As we passed it a bunch of guys poured out of the club and started to get on the party bus. For no particular reason we followed them onto the bus and acted as though we belonged there. Continue reading

Financing businesses in Canada may, or may not, require a business plan proposal

Financing businesses in Canada may, or may not, require a business plan proposal.
When do business plans make or break your firms financing objectives, and are they required at all? What are the risks of not having a plan when you need one? Let’s dig in.
Business owners and financial managers typically associate business plans with funding requests. Done properly the document reflects the type and amount of funding you need (for example – capital expenditures / buying a business, etc) potential future financing needs, and what banks and other lenders (commercial finance companies, etc) call the ‘ use of proceeds’.

Additionally a proper document such as that will include how the loan or financing needs fit into your businesses overall working capital and cash flow needs. It sometimes is forgotten that the lender is fixated on one thing – getting repaid!
While many plans we see focus on the past and present it’s always critical to integrate your financing into the future – re-iterating how debt will be repaid, etc. Time periods for repayment are important also, as you want to be able to demonstrate things like timing of cash flows, cyclicality in your business, temporary ‘ bulges ‘ of sales and cash flow.

A sense of urgency is not the best theme to have in your business plans. That’s when the ability to properly anticipate future financing needs helps your proposal stand our as more legitimate. Financing under pressure almost never works – dire straits financing is certainly achievable – but not recommended as a strategy!

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Business-to-Business Web site

In case of business-to-consumer scheme there are people who offer services or products and they serve as end products for people who buy them because customers are not likely to do anything else with the purchase other than use it themselves.

On the other hand B2B model is set up in such a way that both parties are exchanging some products or services intending to use it somehow in the future, either for creation of their own product/service or aiming to resell for profit generation. Currently most all big and small businesses and entrepreneurs recognize the importance and overall benefits of using Internet.

Both models of business welcome the possibility to cut down production costs, elimination of multiple intermediaries and costs savings as a result of technology usage. In business-to-consumer situation Internet that can be easily accessible by everyone at any time and any place is the best tool for selling goods or services.
After all Internet makes the very existence of such phenomenon possible. When we consider business-to-business model a simple Web site available for everyone will not be sufficient and most probably will be a dangerous idea. Security concerns for those who operate big sums of money or have trade secrets are essential and Internet cannot provide it thus businesses have to use different tools to still make e-business possible.

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Japan’s finance minister_ Monetary policy alone can’t end deflation

REUTERS/Jason ReedU.S. Federal Reserve Chairman Janet Yellen (C) speaks with Japan’s Minister of Finance Taro Aso (R) as they take part in a group photo of the Central Bank Governors and Finance Ministers of G20 countries near the Sydney Opera House and Sydney Harbour Bridge, February 22, 2014. TOKYO (Reuters) – Finance Minister Taro Aso said on Tuesday that monetary easing alone is not enough to end deflation and push up prices.
“The deflationary mindset that has beset Japan for such a long time won’t change suddenly. But we’ve seen some changes in the past two years, which is significant,” Aso told parliament.
“But we’re still not there yet,” he added, saying that fiscal policy and growth strategies must accompany monetary easing for Japan to make a sustained exit from deflation.
(Reporting by Leika Kihara; Editing by Chris Gallagher)
Read the original article on Reuters. Copyright 2015. Follow Reuters on Twitter.
More from Reuters:

China central bank tries to soothe global markets, says no basis for yuan to fall further

China central bank says no basis for further yuan depreciation, will monitor cross-border flows

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