There are a lot of women that love to speed time outside but hate their choice in outdoor apparel. Many women have settled for wearing men’s clothing to be comfortable and to have clothing that is suited for different weather conditions. In the past when you would look at women’s outdoor clothing all you could find was fancy outfits that were frilly and only made to look cute. However, this is no longer the case. Apparel companies have finally listened to what women want when it comes to outdoor clothing and now you can find some really cool outfits that can meet your needs.If you are a woman that has had to wear men’s clothing in the past you have to admit they never seem to fit right. This is especially true if you are a short person. Usually the pants won’t fit in the hips and the shirts won’t fasten around your breast. Plus everyone knows the sleeves are always too long. This is why having women’s outdoor apparel that is designed to look good and feel great is wonderful news for women everywhere. So if you love to spend time outside or if you work in the outdoors you can now have comfortable clothing for all occasions from snowboarding to motorbiking. You can now go mountain climbing, canoeing, fishing, jogging or hunting and enjoy every minute of it while looking great.Some of the companies that make women’s apparel include North Face, Marmot, Mountain Hardwear, Patagonia and Arcteryx. They are taking into consideration that women come in all different sizes. They are short, tall, stout and slim. They need clothing that fits the real individual needs of women and not clothing that is designed for the old-fashioned stereotype vision many people still have of women. You can now really find clothing that is designed for women’s sports and outdoor activities that serves the purpose they were designed for.They have come up with designs that fit the special needs of women. This means the cut and style is designed especially for women so you can look great. These new designs are wrinkle and stain free so no matter what conditions you are in you will still look great. Even if you stuff then into a duffle bag all you need to do is shake them out and they look good as new. You can expect that many new designs for women outdoor apparel will continue to hit the market over the next few years now that these companies have discovered the secrets to designing this type of clothing.

Vitamins A, C, E and magnesium, calcium and iron nutrition products abound in the market. Since childhood, we have heard constant reminders about the importance of good nutrition. But few of us really know what nutrition actually means let alone good nutrition. The scientific definition of nutrition is the process of obtaining nutrients in food that is necessary for the proper functioning of the different organs of the body and for the proper growth and development of the person as a whole.The term is derived from the Latin word nutritio which means sustenance. Nutrition is indeed an important process for human beings. Without proper nutrition, the organs in our bodies won’t function efficiently and correctly. We will stop growing, become weak and eventually die in the absence of proper nutrition. This is why many people find it necessary to take vitamin or calcium and iron nutrition products.Proper nutrition means more than just having a body that is physically fit. Having proper nutrition also encompasses the fields of the mind because as the saying goes, a sound mind and a healthy body. Simply put, nutrition affects every aspect of our humanity. If we have a body that is sickly, then we would soon have a mind that is always distressed and perhaps worried.With today’s stressful and polluted world, it is now more important than ever to ensure proper nutrition. This we can do by, first and foremost, ensuring that we have a balanced diet. A balanced diet simply means to include a broad selection of food and nutrients in our daily meals. We would also benefit from avoiding junk food as well as smoking and alcoholic beverages.One way to ensure proper nutrition is by taking food supplements such as vitamins or calcium and iron nutrition products. Don’t know what food supplement is good for you? Then try the personalized food supplements offered by Genewize Life Sciences through its LifeMap Nutrition(TM) System. Under this system, samples of your DNA will be taken from you in order to develop a product that is customized to your needs. The personalized supplements from Genewize certainly beat the other Vitamin or calcium or iron nutrition products that are flooding the market.

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?