Creating The Ideal Garden

Gardens and landscapes create the most fantastic mood to make you feel that you are one with nature. A garden or landscape coupled with the twitching of the birds; create that relaxing and peaceful atmosphere that everybody yearns especially if you bogged down by a stressful situation. This is the reason why most people often voyage to their country homes when they get an opportunity to take a couple of weeks from work. Green plants whether eaten or planted for aesthetic purposes have a restorative purpose in the human body and by design we cannot survive without gardens or forests.Over the years people have come to appreciate the need of gardening or landscaping in their office or home compounds. This is evident in the fact that landscapes and garden projects can be witnessed as you drive along the roads in most suburban estates or even office blocks with compounds to spare. Gardening and landscaping does not only have to be a preserve for the rich therefore gardens and landscapes can either be planted on a small or large compound. These gardens range from interior landscapes, hanging gardens, roof gardens, therapeutic gardens, kitchen gardens e.t.c. We shall look at each of these gardens and how they can be implemented in various spaces around your home or office.In urban or city living spaces, you could transform your unattractive rooftop into a work of art with a rooftop garden. A rooftop garden has various functional and recreational benefits which includes food temperature control, architectural enhancements, aesthetic beauty, corridors for insect life and an entertainment space for your guests.Secondly, enclosed environments such as shopping malls or office complex could feast their eyes on interior landscaping. This is the practice of designing, arranging and caring for living plants in enclosed environments. This type of landscaping has a wealth of benefits which include temperature control, improves the air quality by reducing toxins, acts as a noise buffer as well as creating that relaxing mood that you would get in an outdoor garden.Thirdly, if your main objective for creating a garden is purely for aesthetic purposes you could create a hanging garden. The most famous hanging gardens were located in present Iraq and they were so beautiful that they were part of the Seven Wonders of the World. In modern times, hanging gardens can be designed and created on walls, balconies, terraces e.t.cFourth, if you have a large compound you could create a therapeutic garden. This garden needs to be created by an expert because of the purpose it serves. Therapeutic gardens are designed to meet the physical, psychological, social and spiritual needs of people therefore they are often found in hospitals, nursing homes, hospices and outpatient cancer centers.Fifth, your home must have a kitchen garden. This garden can have a space of its own or serve as a centre feature in your landscape garden. A kitchen garden is where you plant cooking herbs and plants such as oregano, rosemary, sage, mint, kale, spinach, tomatoes, onions e.t.cIn conclusion, it is important to do your research and consult a landscape and gardening expert to assist you craft a plan for your garden in order to meet your desired objective.

Why So Many Women Love To Wear High Heel Shoes

Women love high heeled shoes. It does not matter what their doctors say about the damage they can do to their feet. Fear of deformities like bunions caused by the foot sliding down into the shoe and cramping the big toe, might cause a woman to wear flats for casual events. For dress-up occasions, she will always come back to high heeled shoes. That is because no other shoe could make her feel sexier.Women do not agree on what should qualify as high heeled shoes. People who are not accustomed to wearing high heeled shoes may feel that a two or three inch heel is plenty high. With a heel of this height, walking and standing are not overly painful. At the same time, women can have some of the aesthetic benefits of wearing high heeled shoes. Some women will buy a pair of heels that are four inches or taller for special occasions. Because these shoes are so uncomfortable, women rarely wear them for long. The main exceptions are people who are in the entertainment industry.One reason women like to wear high heeled shoes is because they like to make themselves taller. Shorter women like to wear high heeled shoes to stand more equal to everyone else. The affect of the taller heels is to make the legs look longer. The length makes legs look supple and sensuous. This illusion is furthered because the definition of the calf muscles stands out. Because high heeled shoes make women’s legs look so shapely, even tall women want to wear them.There are other ways that high heeled shoes make a woman’s body more appealing. They change the whole posture a woman displays. While wearing high heeled shoes, a woman’s curves are more pronounced because of the positions of her derriere and chest. She also walks differently, with her hips moving gracefully. High heeled shoes not only make a women look better. She feels sexier wearing them as well. This can be seen in the confidence that is seen in women who wear high heeled shoes. They move with a smooth sexuality that women in flat soled shoes rarely show.Women wear high heeled shoes in a number of different situations. Parties and nights on the town, of course, are good places to wear heels. Business wear is popular in certain occupations. Bringing an air of feminine authority and visual height, high heeled shoes can make an impact in the boardroom. Yet, the impression is so subtle business associates will probably never know why the feel the way they do.The heels women wear the most are smart black high heeled shoes. Different people prefer different heights, but the lower heels are more common. They can be worn to a larger variety of occasions such as to work, to dinner parties, and even to more reserved events such as church or funerals. The high black heel is the sexiest of the heels. Stiletto heels may be difficult to walk in, but the look is fabulous. Other types of heels, such as the tapered heel or the block heel make the leg look different. Women wear these shoes to be in style and to show a level of sophistication that they never can in flat soled shoes.

Alternative Financing Vs. Venture Capital: Which Option Is Best for Boosting Working Capital?

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?