You’re there. You have made the decision. You’re committed. You have timelines now. We’re talking about your franchise finance decision and the next challenge you have in the franchise process – financing a franchise. How many ways to finance a franchise are there? Only one… the right way! And we’ll show you how.The ability to finance your franchise properly and satisfy the requirements of the franchisor without putting you overly in debt is what it’s all about of course. And if you do it right then you of course have the potential to grow a business, profit from it, and build owner equity for either long term resale of personal financial gain. That’s simply what it’s all about, and boy does it help if you like what you are doing, at the same time taking on the entrepreneurship role in Canadian business.The good news is that your are lucky, because franchising couldn’t be any hotter or more popular. Franchises move goods and services in the billions in Canada, and you’re now part of that movement.But let’s be realistic, whether it’s a franchise investment of any other business start up the same critical needs apply relative to planning and financing.Homework. Did you hate it in school? Well here it is again because we strongly suggest to clients that you are now in homework mode when determining how financing a franchise works. It’s all about planning, which includes ensuring you have a profitable potential business on your hands, as well as understanding ways to finance a franchise in Canada.Business plans are critical to your franchise investment. It’s a case of demonstrating your business has both profit potential plus, and this is what interests the lender, that you have the ability to repay your debt and loans. The franchisor naturally is interested in long term success of the chain, and your ability to pay royalties as they become due, usually monthly.When you address the franchise finance decision you must consider a number of items – they are as follows – what is the total all in cost, what methods are available to finance each part of the cost breakdown, and finally, and perhaps most importantly, how is the actual financing done.The costs to assess in a franchise finance investment are as follows – the initial franchise fee, the cost of fixed assets or leaseholds to your business – i.e. equipment, signage, vehicles if required, etc. And finally, if you did all that and didn’t address working capital for ongoing operations and growth then you are setting yourself up for failure.Clients are always looking to us for a magic solution and a one stop finance strategy for their franchise investment. The closest we can come to that is the government BIL/CSBF loan, under which the majority of franchises are financing in Canada. You can successfully augment this strategy by equipment financing for a variety of assets as well as a small working capital loan, usually unsecured. Don’t forget also that your own owner equity investment becomes the final piece of the puzzle.And getting back to our business plan, ensure that you have covered off all the debt you need and that if reflects your ability to pay it back.Financing a franchise. Challenging? Yes, we guess so. Possible? Of course. Speak to a trusted, credible and experienced Canadian business financing advisor with franchise experience who will help you navigate, successfully, the only way to finance your new business – the right way!
One might well ask how much further can art go in modern trends? It appears that there may well be no limit to it.Not so long ago art meant pictures on canvas, walls, plates or such. Now, however, it can also mean images created by a computer, digital camera or an event. It can incorporate any item we would care to name and virtually any medium we can use to express an idea, an emotion, or a feeling.Art has virtually taken off and even web sites can be described as such. Certainly the goods available through the Internet, such as any form of craft, is definitely within that category. So photos juxtaposed over blankets, shirts, wallpaper, books and so on are within the rangeIt has given artists new challenges as many paint portraits and design canvases from photos. They can turn 2D images into 3D pictures. They can add shadows, shapes, images, and all forms of design over the original to create better impressions that people love to hang on their walls or carry on their person.Some new trends are outstanding enough to warrant special mention. High among these are such things as wallpapers that cover windows but through which one can still see outside. The magnificent scenery in modern art and the techniques used allows one to greatly enhance their environment. The uses for such are enormous as different abodes require different treatment to make them livable..Art has also entered the realm of images that glow in the dark or enhance a room with extraordinary touches of color that serve no other purpose other than to hide a blank wall, tizzy up a dull room or carry a color or shape of a feature piece of furniture. No matter its use art is certainly a greater entertainment medium than in the past.Whatever the occasion there is now art to fulfill virtually every need and the Internet is fast becoming the best place to search for it.
Zinc is an important mineral, which is essential for protein synthesis and helps to regulate the production of cells in the body’s immune system. It is mainly found in the muscles. Zinc is also found in high concentrations in red and white blood cells, the retina of the eye, bones, skin, kidneys, liver, and pancreas. In men, the prostate gland and semen (zinc is one of its constituents) store high amounts of zinc.More than 300 enzymes in the human body require zinc for normal functioning. It is believed that around 3000 out of the 100,000 proteins involved in human life contain zinc. Our body contains about 2-3g of zinc.Many organs of the body secrete zinc, including the pancreas, the salivary gland, and the prostate gland. Immune cells also secrete zinc.Benefits of zinc – Zinc is vital to many biological functions such as immune resistance, digestion, reproduction, physical growth, diabetes control, appetite, stress level, taste and smell.- It helps maintain normal taste and sense of smell, aids in wound healing, promotes normal foetal growth and boosts immunity. By boosting the immune system, zinc also helps protect against fungal infections and various infectious disorders, such as conjunctivitis and pneumonia.- Zinc functions as an antioxidant and is involved in many decisive biochemical reactions, including enzymatic function, carbohydrate metabolism and protein synthesis.- It plays an important role as a component of many enzymes regulating cell growth, DNA and protein synthesis, energy metabolism, regulation of gene transcription, hormonal levels in the body etc.- It is required for fighting skin problems such as acne, boils and sore throats.- It is also used as an astringent and an antiseptic for skin protection.- Zinc is especially important for the prostate gland in males, and protects it from early damage that could lead to cancer.- Zinc also promotes normal growth and development during pregnancy, childhood, and adolescence (sexual development).What foods are rich sources of zinc?High-protein foods contain high amounts of zinc. Good food sources for vegetarian people include dairy products (milk, curd, yoghurt), beans and lentils, peanuts, peanut butter, seeds, fortified breakfast cereals, and wholegrain cereals. Pumpkin seeds are considered to be one of the most concentrated vegetarian dietary sources of zinc.Dietary fibre (phytates, found in cereals, legumes) can interfere with the body’s ability to absorb zinc. Zinc is best absorbed by the body when taken with a meal that contains protein.Red meat and poultry also provide good sources of zinc. Zinc absorption is greater from a diet high in animal protein than a diet rich in plant proteins. Thus, fruits and vegetables are not good sources of zinc.
Cooking helps reduce the adverse effects of both phytic acid and dietary fibre on zinc absorption.Is excess zinc harmful?Too much zinc can be harmful to the human body. Excessive absorption of zinc into the human body can lead to reduced iron function, and damage the immune system. The major adverse outcome of long-term consumption of excessive zinc is copper deficiency, along with stomachache, nausea, mouth irritation, and a bad taste.Deficiency of zinc -Zinc deficiency most often occurs when intake of zinc is inadequate or there is poor absorption by the body, or when there is increased excretion of zinc from the body, or when the body’s requirement for zinc increases.Zinc is excreted through the faeces, urine, hair, skin, sweat, semen and during menstruation. Liver and pancreatic disorders, chronic alcoholism, diabetes mellitus, and absorption disorders lead to zinc deficiency.Men should always make sure of sufficient quantity of zinc in their diets, since the health of their prostate gland is linked to zinc. Zinc is needed to manufacture testosterone and a shortage may induce a low sperm count, loss of libido.Signs of zinc deficiency:Symptoms of zinc deficiency include hair loss, skin eruptions, diarrohea, degradation of body tissues, and, eventually death also.Since a person’s vision, taste, smell and memory are all connected with proper levels of zinc in the body – a deficiency in zinc causes faulty working of these organs. Deficiency of zinc may lead to poor night vision, falling hair, white spots under fingernails, skin problems, sleep disturbances, reduced wound-healing, decreased appetite, a decrease in the sense of taste and smell, a reduced ability to fight infections, and poor development of reproductive organs.Zinc deficiency can also lead to immune system dysfunction and stunted growth, impaired male fertility along with hormonal disbalance. Women may experience irregular menstrual periods, while males may have slow sexual maturity.Zinc deficiency is common in people infected with the HIV virus or suffering from AIDS.
Zinc levels are also low in people with diabetes, particularly type 2 diabetes.
People with anorexia and bulimia are often deficient in zinc.Children with ADHD (attention deficit hyperactivity disorder) tend to have lower blood zinc levels.Dosage -Normal intake of zinc of approximately 12-15 mg per day, is adequate to prevent deficiencies. Males require higher amounts of zinc as compared to females. However, normal daily-recommended intakes are different for different individuals such as – Adult and teenage males – 9 to 12 mg/day- Adult and teenage females – 9 mg/day- Pregnant females: 15 mg/day- Lactating mothers: 15 mg/day