Tree Good is an excellent poetess who demonstrates her leadership in this arena through her book The Language of Poetry Forms. The book is divided into three areas as follows: The first starts with poetry idioms and meanings, the second covers poetry forms with examples, and the third ends with a funny section on riddles about poetry. The poetic platform in this book allows anyone to gain a basic comprehension of poetry forms while reading. The various poetic illustrations will enlighten the reader, and the section with riddles should enforce the writing principles of poetry for anyone reading this book.The illustrations of the many types and styles of poems in this book present a profound knowledge and admiration of her poetic artistry. Good is like an excellent literary physician who translates difficult concepts of autonomic and physiological poetic formulas into common and understandable language. Her writing style comes across in a clear manner so an average person seeking poetic knowledge can readily comprehend it with no problem. She writes the book with clarity and brevity. Additionally, she lists her poems throughout the book in an alphabetical order which is easily followed.Good has several poems in the book regarding the following subject areas: love for each other, musical appreciation, seasons of the year, family relationships, and common issues regarding life. The riddle section of the book is an easy challenge for the reader’s knowledge and wits, and it comes across in a humorous manner. This section is funny and entertaining. It is also enlightening to a person’s sensibility and should make the reader laugh out loud. Her book is wonderful and comes highly recommended. It’s definitely a book to keep close at hand as a future reference to live by when writing poetry.Finally, this is a wonderful poetic text to study. The knowledge and experience developed by Good over the years from being an active participant in the poetry arena is unquestionable. Her skill level is on the cutting edge of poetry as an educator. Any individual who reads and enjoys her writings will truly know about the essence and the art of poetry. Her writings should be easier to comprehend, than actually being a student in a poetry classroom, because she breaks the poetry forms down in simple terms for ease of understanding.Further information of her poetry may be obtained at her website: http://www.freewebs.com/treegood/index.htm.
Poetry Language and Forms – An Uplifting and Educational Journey For Relaxation of the Soul
Unsecured Personal Loans for Bad Credit Borrowers: Perfect Solutions for Small Sums
A cash injection is always welcome, whether through the State Lottery or by securing a small loan, because it eases the financial burden. But sourcing a small loan is not so simple when bad credit ratings are involved. Thankfully, there are unsecured personal loans for bad credit borrowers, making it possible to secure that vital extra cash.These cash injections are very welcome when an unexpected expense is received, one that is impossible to pay with whatever excess income there is. It could be a medical bill, or a warning of late mortgage payment, but having access to extra cash is essential. In such circumstance, having fast loan approval is also important.So, where can these loans be gotten? And can the cash be accessed when bad credit is a factor? Well, when the sum required is around $2,000, getting an unsecured personal loan is of little trouble, once the necessary criteria are met.Understand What Can Be AffordedHalf the battle to securing a loan is to know how much to seek. So, before submitting an application, be sure to calculate a budget. Lenders that provide unsecured personal loans for bad credit borrowers accept the risks involved, and by providing a realistic budget, it tells them the applicant has their feet firmly on the ground.Many applicants seek a little extra than is actually needed, but this is of little advantage when it comes to repaying the loan. In orthodox loan repayment schedules, this can mean hundreds of dollars in extra interest being paid over the loan term. But to guarantee fast loan approval, a payday loan is the best option, and this is generally repaid in one go within 30 days.Also, when calculating the sum to seek, make sure the small print on any unsecured personal loan deal is carefully studied. It may reveal hidden charges and strict penalties.Consider a Longer Loan TermsIn emergency circumstances, it can be difficult to choose the perfect loan. Payday loans, for example, can be granted within minutes of the application, and funds secured in the bank account within 2 or 3 hours. As unsecured personal loans for bad credit borrowers go, financial emergencies can be dealt with very quickly.But there is a price to such convenience, with interest as high as 30%, turning a $2,000 loan into a $2,600 debt requiring full paying within 30 days. But, while securing fast loan approval has its definite advantages, a longer-term loan relieves the pressure. The issue for lenders is that repayments are made with no problems, while for borrowers, is that the size of the repayments is low; a long term serves both interests.For example, a $2,000 unsecured personal loan could be repaid over 12 months, at $170 per month, but over 24 months, the repayments fall to $85. With the chances of defaulting much less, approval is more likely.Search On The InternetIt is common knowledge that the best loans deals are found online, especially when seeking unsecured personal loans for bad credit borrowers. Online lenders are recognized as specialists in bad credit lending, so have loan packages that cater to the needs of that niche market. Typically, interest rates are lower and the term is longer, so that the monthly repayments are more affordable.Also, because of technology, it is possible to get fast loan approval too (in fact, most lenders offer it as standard). Besides, when it comes to small sums like $2,000, most loans are approved with no credit checks, and with unsecured personal loans, this is very useful.
Why A Business Asset Based Loan Financing Is The Perfect Solution For Cash Flow In Canada
You are a Canadian business owner and financial manager looking for info and guidance on a business asset based loan. What is asset based loan financing, sometimes called cash flow factoring – how does it work, and why could it be the best solution for your firm’s working capital challenges.Let’s cover off the basics and find out how you can benefit form this relatively speaking new form of asset financing in Canada.A good start is to always understand and cover off some basics around what this type of financing is. Simply speaking the facility is a loan arrangement that is drawn down and repaid regularly based on your receivables, inventory, and, if required, equipment and real estate should your firm possess those assets also.By collateralizing your assets you in effect create an ongoing borrowing base for all your assets – this feasibility then fluctuate on a daily basis based on invoices you generate, inventory you move, and cash you collect from customers. When you need more working capital you simply draw down on initial funds as covered under your asset base.Your probably can already see the advantage, which is simply that if you have assets you have cash. Your receivables and inventory, as they grow, in effect provide you with unlimited financing.Unlike a Canadian chartered bank financing your business asset based loan financing in effect has no cap. The alternative facility for this type of working capital financing is of course a Canadian chartered bank line of credit – that facility always comes with a cap and stringent requirements re your balance sheet and income statement quality and ratios, as well as performance covenants and personal guarantees and outside collateral. So there is a big difference in the non bank financing we have table for your consideration.Your asset based lender works with you to manage the facility – and you are required to regularly report on your levels of A/R and inventory, which are the prime underpinnings of the financing.Smaller firms use a particular subset of this financing, often called factoring or cash flow factoring. This specific type of financing is less transparent to your customers, as the cash flow factor might insist on verifying your invoices with customers, etc. A true asset based loan financing is usually transparent to your customers, which is the way you want it to be – You bill and collect our own invoices.If our facility provides you with unlimited working capital then why have you potentially not heard of it and why aren’t your competitors using it. Our clients always can be forgiven for asking that question. The reality is that in the U.S. this type of financing is a multi billion dollar industry, it has gained traction in Canada, even more so after the financial meltdown of 2008. Some of Canada’s largest corporations use the financing. And if your firm has working capital assets anywhere from 250k and up you are a candidate. Larger facilities are of course in the many millions of dollars.The Canadian asset based financing market is very fragmented and has a combo of U.S., international and Canadian asset finance lenders. They have varying appetites for deal size, how the facility works on a daily basis, and pricing, which can be competitive to banks or significantly higher.Speak to a trusted, credible and experienced business financing advisor and determine if the advantages of business asset based loan financing work for your firm. They have the potential of accelerating cash flow, giving you cash all the time when you need it ( assuming you have assets ) and essentially liquefying and monetizing your current assets to provide constant cash flow, and that’s what its all about.
What Every Financial Institution Should Know About Social Networking
The aim of any business is to be successful and profitable throughout the lifetime of the organization. The evolution of communication technology in recent years has helped make this possible by improving a business’s ability to network with its existing and potential customers. What once required face-to-face conversations and the physical exchange of contact information can now be done in an entirely virtual environment with just a click of a button.Advances in communication technology, such as texting, blogging, emailing, media sharing and gaming, have created new social norms and revolutionized the way people communicate. It is no wonder, then, that the financial services industry is beginning to use various forms of Computer Mediated Communication (CMC) to enhance customer service and improve current products and services. The most popular form of CMC are social networking websites such as Twitter, Facebook, MySpace, and LinkedIn, which are used primarily to maintain or build connections among users.Social networking sites represent a large market with tremendous growth potential that can be easily targeted by financial institutions if they know how to use these sites to their advantage. Like many organizations that have already experienced the benefits of using social networking sites to enhance their business, financial institutions are beginning to understand and embrace the power of social networking as it relates to their day-to-day business activities as well. Whether educating customers on new services, boosting customer confidence, increasing sales outreach or personally connecting with their customers to meet their banking needs – social networking is a vital communication tool that financial institutions can utilize in many of their customer business interactions.Understanding Social Networking
Social networking is a form of collaboration and networking where individuals develop groups and associations, often forming a virtual community. While social networking is possible in a face-to-face setting, such as on a college campus, it is most often seen online in a CMC environment. The size and popularity of the “communities” created by MySpace and Facebook and other social networking websites have experienced substantial growth as more and more people invite their acquaintances, co-workers, friends and family members into these virtual communities.The traditional roles of the sender and receiver involve delivering messages in a clear and concise way and providing feedback to achieve agreement of a particular subject. Social networking uses these same basic building blocks but accomplishes the end results in a slightly different way. The cues that help facilitate understanding in a face-to-face environment (e.g., intonation of voice, body language, facial expressions, physical distance, etc.) are often removed in a social networking environment. Though some websites offer an audio visual element, social networking is largely text-based, relying on “digital gestures” to demonstrate emotions and add emphasis to a message, such as:• Forwarding.
• Tagging.Social Networking Applications for Business
Networking has always been a key success factor in the business world. Networking involves linking together individuals who, through trust and relationship building, become walking, talking advertisements for one another. Traditional networking often takes place face-to-face at business lunches, conferences or exhibitions, where people are able to meet and establish mutually beneficial working relationships.Online social networking offers many of the same benefits as traditional networking, while allowing bankers to more easily network with the average consumer as well as with their colleagues in the financial industry. Used appropriately, online social networking offers businesses the opportunity to develop meaningful, long-lasting customer relationships.A study of the banking industry and the ways in which several banks’ board members networked with others showed that though these professionals are interested in using networking to secure new customers and to maintain and develop existing customer relationships, they also want to use networking to represent their banks in community, professional and trade organizations and to procure market trends and competitive information.To achieve the goals identified in this study, board members and other bank employees must first understand what social networking is and how it can be used to position their banks above others in the industry. If properly trained, these employees can use social networking to achieve their banks’ organizational goals and place their banks in the top positions in the industry in the following five ways:• Community building.
• Product research.
• Customer service.
• Marketing and promotion.
• Transparency.Social networking is currently being used to bolster the reputations of the financial institutions that use it, providing information both internally and externally. This type of information sharing builds consumer confidence and helps employees understand the importance of their roles within their banks and how they should strive to achieve the highest standard of customer service.Challenges of Social Networking in the Workplace
One of the first challenges of integrating social networking with the workplace is helping employees understand the importance of using this technological tool. The next challenge is in addressing the training needs of the organization to bring all employees up-to-speed on the etiquette, functionality and general norms of such a medium. This means determining who will be maintaining the websites, how end users will experience the websites, and how policies and procedures concerning social networking will be shared, and with whom inside of the organization. And finally, relationship management in a virtual environment poses a challenge. This last challenge should be a primary focus when implementing a social networking-friendly policy or procedure.A great deal of the CMC that occurs in social networking happens through what has become known as Social Information Processing (SIP) theory. The theoretician who first introduced SIP, Joseph Walther, stated that the nature of relationships created online can be drastically different from those established in person, particularly when individuals act differently than they would in a non-virtual environment. While Walther acknowledged that the rate at which these relationships are formed may change over time as individuals become more familiar with the technology, he argued that relationships in a CMC environment would take up to four times longer to establish.To counter this potential limitation, banks might seek to make use of the theory of attribution, which states that individuals link observed behaviors of others with causal explanations to help them understand what type of people they are communicating with. The time to develop relationships can be shortened using attribution theory because bankers can use their observations to make product or service recommendations based on needs that they have established.Using Social Networking to Connect with Customers
Though social networking poses its own challenges, it can also be used to overcome other challenges that banks may face. For example, social networking allows financial institutions to boost consumer confidence, increase sales, and strengthen customer relationships, which are all areas of concern as they can give a bank a competitive edge over others in the banking industry.When consumer confidence is low and distrust of the banking industry is high, particularly in times of economic crisis, social networking has allowed for greater transparency and has opened up a conversation with consumers. The public forum created by websites like Facebook, Twitter, LinkedIn and MySpace provide the financial services industry an ability to address customers’ banking needs by:• Acting as a medium for customers to send their questions and concerns to a bank, with immediate feedback from a banking expert.
• Replacing one-sided information dissemination like press releases or bank-sponsored advertisements.
• Reassuring the public of safety and soundness policies and procedures.
• Eliminating skepticism through informative links, text, graphics and audio or visual elements.
• Educating customers about products and services that address specific needs.Protecting Customer Information
One of the main concerns of financial institutions is the protection of information and financial assets. As technology makes it easier to communicate with people in remote locations or to conduct financial transactions, it also enables thieves to obtain customers’ confidential, nonpublic information, putting customers at risk of identity theft and other similar schemes.Financial institutions have addressed these potential information security breaches by creating Know Your Customer (KYC) programs and prioritizing identity verification and the reporting of suspicious activity. The same precautions and care should be exercised when using social networking websites to ensure that customer information remains protected.Implications for Legal Compliance and Record Keeping
Once a financial institution’s directors and staff understand the implications and proper use of social networking websites, it is important that the institution’s policies and procedures be revised to reflect the addition of these new business activities. This ensures that the institution remains in compliance with industry laws and regulations, and it demonstrates to the public that the organization is fair and respectful of customers and employees and that it works to protect its customers’ information and financial assets.The Financial Industry Regulatory Authority (FINRA) recently issued a publication that provides guidance to financial institutions regarding the use of social media in their business operations. FINRA Regulatory Notice 10-06 outlines the necessary recordkeeping requirements that financial institutions must abide by and provides guidelines for the supervision of non-static messages sent social networking websites.Because social networking websites are fairly new and financial institutions are only just beginning to explore their potential uses, the twelve government agencies that control the financial services industry, in addition to other organizations like FINRA, are continuing to develop and amend regulations. For instance, the use of social networking affects advertising requirements for financial institutions, as stated in Regulations Z and DD. It also affects Federal Deposit Insurance Corporation (FDIC) membership, Federal Housing Administration (FHA) and non-deposit retail investment and fair lending implications. It is the responsibility of each institution to be aware of current regulations and how their use of these websites affects their compliance current law. Management should also understand the risks of noncompliance and be sure that their policies and procedures are updated to reflect these changes.Final Word
Financial institutions must consider the risks and rewards of using social networking tools in their everyday business operations, and ensure that these tools conform to policies and legislation, while meeting the needs of their customers. Because customers are the driving force for success in the financial services industry, the key to protecting them is through employee education. It is imperative that bank employees are appropriately trained before and during the use of any type of social networking tool. Understanding how this new form of communication impacts the organization in the long-term can help a financial institution plan for and attain future success, while focusing on keeping customer relationships strong and information and financial assets secure as social networking becomes a more prominent business tool.
How To Choose Canvas Wall Art And Canvas Prints
Canvas wall art and canvas prints can lighten up the mood in a room or even make it more romantic. Depending on the picture, it can produce a calming effect, can brighten up a room or encourage excitement. That is why it is important to consider what you hang on your wall to match the effect you want to project in your home.If you entertain a lot of guests, you should get photos on canvas of brightly colored picture showing something exciting and adventurous. If you want to turn your home into a solace from everyday hustle and bustle of a busy career, choose canvas prints in cool colors like green or blue showing photos on canvas of mountains, leaves or water.Adventurous people and those who love to travel might appreciate pictures on canvas showing famous skylines or landmarks around the world. Nature lovers may like pictures of animals, the wilderness, or snow-capped mountains. When you need to pick Canvas wall art for your home or office, choose something you have a connection with.Get something you like to look at and has something to do with your personality, whether you are a naturally calm person or someone who is always energized. Sometimes it can also be a good idea to get the opposite of your natural character to create some balance.So, if you are always up and about, you might want a canvas print that will calm you down and vice versa. For your work place, you can hang professional looking canvas prints in black and white or sepia tones that depict city skylines or famous landmarks. Whatever you decide to get, remember to get canvas wall art you will enjoy looking at.