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Students come with a wide variety hopes, dreams and needs. While many of them share the same goal – getting an education – very few of them are prepared for this critical stage in their life when it comes to money. While they all practically live online and are permanently glued to smartphones, only the very smartest conduct their personal finance online.Goal setting with students is relatively easy to explain because they completely understand the concepts of choosing what they want and implementing a plan to achieve it, but while they are encouraged by educators who provide them with a goal setting template by way of lectures and seminar timetables, they each have to take responsibility to create their very own goal setting worksheet, timetable, study plan, and pin it to their wall.So why don’t people take the skills they learned while goal setting with students, and apply them to the world of personal finance? After all they ‘live’ online so why not train, learn and plan their personal finance online too? The answer comes in the tools available and knowing what to do with them.There are four areas where personal finance online can be enhanced with students, and goal setting is only one part of a process which touches all four areas.Earning Money As A Student First jobs are character building for students. They get to find out what they enjoy doing, and what they hate doing. Earning money as a student allows strong developments in skills such as influencing people, task management, reading situations, and making judgments.The best earnings goals though, are the ones which enhance entrepreneurial flair, independent choices, and return financial rewards. So many students ignore this, thinking a job equals money equals spending. The smartest thing to do when teaching goal setting with students, is to give them the skills of personal finance, knowing the value of their earning, and the ability to make money not take money.Saving Money As A StudentIndependent money is a thrill like no other for a student, and the impulse to use it to the fullest extent normally extends to living life large, in the moment.Yet remembering the famous marshmallow test by Professor Walter Mischel, one of the core principals of sharing goal setting with students is that of delayed gratification – the skill to wait until later to enjoy the money.Saving money as a student therefore is a pillar of personal finance online because when a student understands the concept of “Pay Yourself First” they will save. Tools which track and coach personal finance online help in this financial goal setting because it allows the student to see where their money goes, see what are expenses versus expenditure, and minimise the waste that can only come from the typical hedonistic student lifestyle.Spending Money As A StudentStudents need no help to spend money, it’s programmed into them long before concepts like personal finance online are ever introduced to them – but spending within a structured thought process is a central tenet of financial goal setting with students. Informed and considered thought before splashing out the money does not have to make a students life boring, and it can avoid a lot of pain later.Since there is a lot of shopping online as a student, it is easy to adopt these four questions when considering personal finance matters online. This as true in London England as it is in any other place with students.Do I need it?
Why Do I want it?
Will it impact the rest of my Month?
Does it affect my Debt?Investing Money As A StudentStudents are not known for their wealth,but considering the power of financial goal setting with students as described above, the principles of adopting personal finance online would not be complete without investing.Even a small about of money invested while a student will grow massively due to the magical impact of interest compounding. The rewards for students who invest significantly outweigh the risks, since rather than save, they are actually giving every penny a purpose when following the principals of personal finance online because it can be seen, tracked, followed, and enjoyed all through their core activity – being glued to the internet.Budgeting in personal finance is not the shiniest activity, but a concentration on this subject can be exponentially rewarding. Done effectively, it can become the core skill in money management and is a must-have objective while educating on goal setting with students. This way they can avoid or minimise debt, pay it back faster, live within their means and not beyond their means.

Some big, unfounded rumors are circulating about nutritional supplements.And they’re circulating under the guise of science and experience. But instead of helping you make wiser choices for your health, they do the opposite. They make it harder.Because these false tales ignore volumes of research and several thousands of years of human healing practices using food, herbs and minerals.What fallacies am I talking about?A December 2013 editorial published in The Annals Of Internal Medicine, titled “Enough Is Enough: Stop Wasting Money on Vitamin and Mineral Supplements” concluded:”We believe that the case is closed- supplementing the diet of well-nourished adults with (most) mineral or vitamin supplements has no clear benefit and might even be harmful. These vitamins should not be used for chronic disease prevention. Enough is enough.”[1]Now here’s the thing… I agree we need to pay attention to results of the studies the authors referred to when they came to this conclusion. This editorial refers to several recent studies. Each of these studies underscores some important reasons why nutritional supplements don’t work in specific situations.But other than that, they’re dead wrong.Because if anything these studies only highlight the mistakes people and doctors make when it comes to using supplements. Simply put, when people choose poor quality supplements and use the wrong supplement for the wrong reasons, supplements don’t do much good.In contrast, as hundreds of people who have consulted with me as a doctor have discovered, when you choose the right, high quality supplement for the right health concern, you’ll see the benefits.The key is to make knowledgeable choices.A single article is too limited to cover 40 plus years of knowledge I draw from in recommending supplements to my patients. But I can offer some basic guidelines that will help you make better choices when you use supplements.Here’s what you need to look out for in order to ensure the nutritional supplements you use work.Get The Right Dose Of NutritionThree of the studies the editorial team used to make their case showed multivitamins did little to change the risk of brain problems, cardiovascular issues after a heart attack or overall health risks for older people.I wasn’t surprised by this.In trying to cover the whole spectrum of nutrition without overdoing it in any one area, multivitamins usually only offer a small percentage of the nutrients you need to take care of a specific health concern. And often enough they include nutrients you don’t even need depending on how you eat.For example, most multivitamins contain 400 IU or less of vitamin D. While this is the official recommended daily allowance for vitamin D, most holistic doctors would consider this a drop in the bucket when it comes to raising your blood vitamin D levels.I have my patients get blood tests to assess vitamin D levels and then recommend supplements accordingly. Often enough, I recommend at least 1000 IU – sometimes as much as 5000 IU – to get them to healthy vitamin D levels in the blood.Multivitamins provide a baseline for nutrition. Not strategic intervention that can really make a difference.And this brings me to the next issue…Choose The Best Nutritional Supplements For Your Specific NeedsJust because vitamin A supplementation worked for your neighbor, doesn’t mean it will work for you.Perhaps you eat lots of winter squash and chlorella, rich in this vitamin. You don’t need a supplement.Not everyone needs the same amount of supplementation.Supplementation works best when it’s tailored to your individual health concerns, eating habits, lifestyle and genetic makeup. When adding supplements to your diet, start with you – with what you’re struggling with and what you know are your weak points.This is why studies involving people without any nutritional deficiencies to assess the effectiveness of supplements may have had less significant results.It’s also why multivitamins have limited effectiveness. The higher quality ones may give you a nice nutritional base. But they do little to offer you the strategic nutrition that thousands of studies have shown can make a difference with specific health concerns.But it doesn’t matter what dose of supplement you choose, if you don’t pay attention to this next issue, you won’t get what you need…Choose Natural SupplementsSynthetic versions of vitamins can not only be less effective, they can be dangerous. As the Annals of Internal Medicine editorial team correctly pointed out, some research has shown that vitamin A supplementation can in fact increase your risk of lung cancer.However, if you get the precursor for vitamin A that’s found in chlorella and other whole foods – beta carotene – you don’t have to worry. Unlike with vitamin A, your body only converts the beta-carotene it needs and gets rid of the rest.Natural substances are hard to mimic in a chemistry lab. We may do a pretty good job, but several different vitamin studies have shown that synthetic forms of vitamins – like the ones used in several vitamin A and E studies – can disrupt the way your body uses nutrition.But even if you go natural, you still need to pay keen attention to the next criterion…Make Quality A PriorityListen, do you think some wilted spinach that’s been sitting in your fridge for 2 weeks will give you the same nourishment as that spinach picked from your garden minutes ago? Of course not!So why would you assume all supplement ingredients are of the same quality?Sure they may be natural ingredients. But natural doesn’t necessarily mean quality.Plenty of manufacturers scoot by with ingredients your body can’t use – or contain little concentration of the active compounds you’re seeking. Multivitamins are particularly notorious in this area. If you pick one up at random from the local pharmacy, I can just about guarantee that many of the nutrients in the multivitamin you selected will be hard for your body to use and offer limited benefits.For example, calcium carbonate – found in many multivitamins as well as calcium supplements – is much harder for your body to breakdown and absorb than calcium citrate.[2]When it comes to botanical supplements, their quality depends heavily on how they were sourced and processed. For example, if eleuthero root is harvested in the winter months, when much of the plant’s energy is stored in its roots, you’ll get a much higher concentration of active ingredients, eleutherosides. However, not every eleuthero producer takes care to harvest at this time, leading to a range of potency when it comes to eleuthero supplements on the market.However, as good as a high quality extract or isolated ingredient is, rarely can they compete with the best form of supplementation.The Best Nutritional Supplements Are Made With Whole FoodsWhile we’ve discovered some applications for isolated vitamins and plant compounds… and while I sometimes suggest my patients use certain extracts or isolated vitamins… when it comes down to it, nothing beats the complex chemistry of food for giving your body the best nutrition.Nutrients found in food work together to nourish you in incredibly complex ways. It’s like a symphony with hundreds of players. And often enough, when we try to isolate nutrients, we miss out on powerful health benefits.For example, when it comes to the supplement, eleuthero, scientists have found that some of the isolated compounds, eleutherosides, seem to increase immune health. But they also found that none of the isolated eleutherosides worked as well for strengthening your immune health as taking whole eleuthero.[3]3 Tips For Finding Nutritional Supplements That WorkAs a doctor who’s witnessed hundreds of people recovering excellent health thanks to the use of nutritional supplements, I know this widely publicized editorial from the Annals of Internal Medicine has the potential to cause tremendous damage. By referring to a few non-representative and poorly designed studies to condemn nutritional supplements as a whole, the authors have robbed people of health options that can make all the difference.But I also understand the need, highlighted by the studies referred to in the editorial, for better understanding of how to choose and use supplements more effectively.Here are a few suggestions:

Do your research. Go beyond the headlines and ask questions. Get information that addresses all the questions I raised in this post. Learn more about the health concern you have, the nutrient you’re considering using and the company that produces supplements that provide this nutrition.

When in doubt, consult with a professional like a holistic doctor. As part of our professional work, we keep up with the research. In addition, we have our years of practice to draw on in seeing how supplements work on a case by case basis. A holistic doctor can help you determine the quality of a supplement. And they can help you decide if it’s the right one for your needs.

Consider using supplements that have already gone through rigorous quality assessments. For example, supplement distribution companies like Emerson Ecologics set high standards for the supplements they carry in order to help practitioners like me make good choices more easily. While you will need an official practitioner recommendation for purchasing from them, you will know that the supplements they carry are well vetted.
Become The Expert: Know The Best Supplements For YouThe most important thing you can do to use supplements effectively is to know yourself. Get to know your body and note how supplements work for you.And keep this in mind: Studies are important. But they also only capture a snapshot of the reality. Your unique biochemistry may not fit into this.Because of this, you can know better than any doctor or researcher what supplement works for you. When it comes down to it, no one else can do as good a job as you in making the final decision about which are the best nutritional supplements for you.While professionals like me can help you with guidance and advice, you need to be the expert when it comes to your health.Sources:[1] Eliseo Guallar, MD et al. Enough Is Enough: Stop Wasting Money on Vitamin and Mineral Supplements. Ann Intern Med. 2013;159(12):850-851-851[2] Dietary Supplement Fact Sheet: Calcium. Office Of Dietary Supplements.[3] Steinmann GG et al. Immunopharmacological in vitro effects of Eleutherococcus senticosus extracts. Arzneimittelforschung. 2001 Jan;51(1):76-83.

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.