The Impact Of Factoring On An International Scale

Factoring is a form of commercial finance which provides funding services to businesses who either do not qualify for traditional financing or who desire to outsource their receivables and credit management to a third party while also having the option of drawing funds against the receivables being managed by the factor. Additionally, companies who are experiencing growth choose factoring as a finance tool due to its availability and flexibility as an aid to fuel their growth. Much can be learned about the history of factoring on the internet as well as the differences in law and practice on an international scale. This study is not about the history of factoring, it’s about the fundamentals of the industry in use today. It has been†¦show more content†¦Factoring as a financial service has existed over the ages because, when managed properly, there are true benefits to the parties of these transactions and to the economy as a whole. Both Banks and Independent Comme rcial Finance companies are providers of sustainable capital to small and large businesses. The businesses employ staff whose income supports local and national economies. Moreover, Factors establish and enforce practices and procedures designed to protect their monetary investment and thus the return of capital deployed. The economic upsets of 2008-2009 proved that exotic transactions such as collateralized debt obligations and gambling on derivatives only resulted in the disappearance of capital across the world. It remains that Factoring is a simple and easy to understand process based on a practice that has been around for thousands of years. It is expected that this financial service will continue to grow because it is an effective and sustainable way for companies to get cash injections with which to operate their business. One distinct characteristic of Factoring is that when a business uses Factoring as a means to improve their cash flow, the business is not taking on debt which it may not have the capacity to repay. The business is simply accelerating their cash flow by

Health and fitness Free Essays

Health and fitness, in general seem quite similar but they are not so. They are two different words symbolizing two different meanings. Health is the state of being free from illness or injury whereas fitness is considered a measure of the bodys ability to function efficiently and effectively in work and leisure activities, to resist diseases, and to meet emergency situations. We will write a custom essay sample on Health and fitness or any similar topic only for you Order Now From a young age it is preached that being healthy and fit are critical to having a strong long life, however the amount of people that have the will power to take action in these parts of their lives are getting smaller and smaller, especially in this generation. It’s important that everyone, but especially teenagers, be acquainted with the advantages of a healthy life, and also acknowledge the ramifications of ignoring this cardinal part of life. Being active offers benefits beyond an improved physique and a healthy body. Health and fitness are crucial aspects of someone’s lifestyle and has the power to alter a person’s life in substantial ways. Healthy eating, the benefits of being active, and consequences of a corrupting lifestyle are all things to keep in mind as one makes decisions and goes through life. Many people have the ability to eat whatever they want and not gain a pound, owever what these people may not grasp is that all the bad food they are ingesting will catch up with them in later years of life, and may be setting them up for many health problems down the road. It’s important to have a variety of different foods so your body has a healthy balanced diet. There are over forty nutrients that are essential to our life, and we need these nutrients because our bodies cannot produce them in large enough amounts for optimal health. Benefits of healthy eating, healthandliving. com) Different foods contain different nutrients, which is why it is imperative that we have this combination, and avoid overconsumption. Maintaining a healthy diet not only offers your body the energy and nutrition it needs to function but also offers many health benefits that can help one live longer and have a better life. Healthy eating helps to maintain a healthy body weight, makes one feel bett er about themselves, creates a stronger immune system, helps to sleep and feel more rested and gives mental alertness. Benefits From eating healthy, livestrong. com) Eating fruits and vegetables may reduce risks for a stroke, and other cardiovascular diseases and protects the body against certain types of cancer such as mouth cancer, and stomach cancer. Eating grains help with weight management, and reduce the risk of coronary artery disease. Grains also have large amounts of dietary fiber which helps to reduce blood cholesterol levels, and lowers your risk of heart disease. Each vitamin benefits your body in some way, for example potassium helps retain a healthy blood pressure, vitamin A keeps the skin and eyes healthy and protects against infections, and vitamin C helps heal cuts and wounds, and keeps the teeth and gums healthy. (Benefits of Healthy Diet, healthyforms. com) Eating healthy is something people need to consciously think about, because it does not come aturally. Sustaining a healthy diet is an essential part of leading a longer more vibrant life. (The 5 Key Benefits of eating healthy, ezinearticles. om) Sustaining a healthy diet is not the only thing to keep in mind, being physically active is equally important. Being active may not always be fun, but the benefits will be worth it in the long run. Being active not only improves health and fitness but it also improves posture and balance, boosts the mood, helps one sleep, makes one stronger, reduces stress and controls the risk of heart disease, such as diabetes. It also protects people rom a stroke, some types of cancer, lowers blood pressure and reduces anxiety and depression. (Benefits of Being Active, health. a) Studies have shown that child obesity is rapidly growing and will continue to grow if our generation does not take action of their health, which is why being active along with being healthy are both critical roles in not only developing as a person, but growing up healthy and happy. As mentioned earlier, child obesity rates are rising at a rapid pace. This is due to the fact that unhealthy foods cost significantly less than healthy foods such as fruits and vegetables. Right now 29% of adolescents are overweight, and this percent is growing by the day. Obesity as young kids and the food eating habits that they get into, carry into their adult life, leading to adult obesity. Currently, 59% of adult Canadians are either overweight or obese, and New Brunswick is one of the cities significantly higher in the overweight/obese population. (Statistics, childhoodobesityfoundation. ca) Not only do people get into bad eating habits that lead to obesity, but they also do not make time for exercise in there busy schedules, which only enhances the unhealthy lifestyle. Being overweight can lead to ardiovascular disease such as a higher blood pressure, more likely to develop diabetes, and are at a greater risk for bone and Joint problems because the body carrying more weight than it is equipped for. Sleep apnea, social and psychological problems, and a low self esteem are also causes of an unhealthy diet. Dental problems are another thing that comes with unhealthy eating. Eating too much candy, or foods with lots of sugar and not enough other nutrients can lead to tooth decay and cavities. Another thing that many people are not aware of is the mood swings that come from unhealthy eating. Diets that do not include enough vitamins nd minerals can lead to people suffering severe mood swings. The body may become overly energetic and easily excitable only to crash later. In addition, a lack of vitamin B can lead to the hormone levels in the brain to be unbalanced, which can induce depression. (What are the Consequences of not Eating Healthy, ehow. com) Not being active can have many negative effects on the body. For example muscle atrophy is a cause of a lack of exercise. Muscle atrophy is a medical term that describes the process of your muscles breaking down or wasting away because they are not being exercised to their full capacity. Not only do you lose muscle but you gain fatty tissue and slow down your metabolism, resulting in more weight gain. Lack of exercise can also lead to increased levels of visceral fat, which is a fat that gets trapped inside your abdomen and is toxic because it causes heart disease and gallbladder problems, it also secrets dangerous hormones that can lead to the development of breast cancer. Cardiac decline is when the heart does not get enough exercise, and the heart, which is a muscle, isn’t being exercise and so it rapidly declines in its cardiovascular fitness. The heart will not waste away like an rm or leg, however fat will begin to attack it which can lead to the development of heart disease. In 2006, approximately 2. 4 million Americans died from heart disease. (The Effects of Lack of Exercise on the Body, livestrong. com) The effects that unhealthy eating and a lack of exercise has on your body can be life changing and detrimental. This is why it is so important to nave a balance between the two so you can avoid all the consequences of an unhealthy lifestyle. It’s very important to keep these things in mind as you grow older, and make time for healthy meals and exercise. Balance it key. To have a healthy life one must have a balance between eating healthy, and exercising, however treating oneself ever once in awhile is not a sin. Everything needs to be done in moderation. How to cite Health and fitness, Papers

Animal Testing (964 words) Essay Example For Students

Animal Testing (964 words) Essay Animal TestingTraditionally, animals have been used to ensure the safety of our consumer products and drugs. Yet around the world, scientists, regulators and animal protectionists work together to develop alternatives to their use. The use of animals in the life sciences dates back to ancient Greece and the earliest medical experiments. To learn about swallowing, physicians cut open into the throat of a living pig. To study the beating heart, they cut open into its chest. For centuries physicians and researchers used animals to enhance their knowledge about how the various organs and systems of the body functioned, as well as to hone their surgical skills. As long as animals have been used in experiments, people have expressed concerns about such research. Questions about the morality, necessity, and scientific validity of animal experiments have arisen since those ancient physicians first began to study bodily functions. Alternatives are methods, which refine existing tests by minimizing animal distress, reduce the number of animals necessary for an experiment or replace whole animal use with vitro or other tests. While vivisection has received more attention and funding, clinical and epidemiological (studying the natural course of disease within human population) studies have had a much more profound impact on human health. In fact, clinical and epidemiological evidence linking smoking to lung cancer was established long before warnings of the dangers of smoking were released to the general public. Because animal experimentation failed to each the same conclusion, warning labels on cigarettes were delayed for years! During this time hundreds of people died from lung cancer because the results of animal experimentation were considered more valid than studies of human patients. Animal based research is the science of the past. There are a number of alternatives available to modern researchers, which a re less expensive, more reliable, and ethically sound. They provide results rapidly, experimental parameters are easily controlled, and their focus on the cellular and molecular levels of the life process provides more useful information about chemicals and drugs. High Productive Volume Tests, test a minimal amount of a product on an abundant amount of animals. Two hundred baby rats, just three weeks old are placed in wire bottomed stainless steel cages. Twice daily Monday thru Friday, laboratory workers pull the small mammals from their cages, force steel clamps into their mouths to hold their jaws apart and swab their teeth with an anti cavity dental chemical. After three weeks, the workers kill the baby rats by cutting off their teeth. The procedures are called ?Biological Tests for Tests Flouride Dentifrices? and :Determination of Animal Carries Reduction? puzzling terms to most of us. But the meaning is deadly to animals. The officials who order this test work for the U. S. government s FDA has made exceptions for manufacturers, including Toms of Maine, that wanted to market new toothpastes without any tests on animals. If some companies can manufacture safe, effective anti cavity toothpastes without using any animals, why cant all dental product companies stop killing animals?Philosopher Jeremy Bentham sounded the rallying cry for animals everywhere: ?The question is not, can they reason, nor can they talk, but can they suffer The Animal Welfare Act sets standards for the housing, handling, feeding, and transportation of experimental animals, but places no limitations whatsoever on the actual experimental conditions and procedures continue to challenge, whether human beings have the right to ?use? animals for any purpose. The HPV Program sounds so important, right? Wrong! Because no resulting action will be taken against the chemicals involved in this program. Instead of protecting the public from hazardous chemicals, the EPA will inform us of how quickly mice and rabbits died when force fed a chemical, or how many mouse pups were stillborn after their mother was force fed massive quantities of already known toxic chemicals. Every medical advancement has not been a result of animal testing. Results derived from animal experiments have had a very minimal effect on the dramatic rise of life expectancy can be attributed mainly to changes in lifestyles, environmental factors, and improvements in sanitation. Many medical schools in the U. S. do not use animals in the training of medical students. They include: NYU, University of Michigan, and SUNY Stonybrook. Actually, most of the medical schools which do use animals allow students the option of foregoing the animal labs. This is because they clearly ack nowledge that such labs are not necessary for the training of doctors. When a newly released drug hits the market, regardless of how many animal tests have been done, those individuals who first use it are ?human guinea pigs.? Animal tests are not good indicators of what will occur in humans. .ueb43d7c627b5fa57cd50160e69345aa1 , .ueb43d7c627b5fa57cd50160e69345aa1 .postImageUrl , .ueb43d7c627b5fa57cd50160e69345aa1 .centered-text-area { min-height: 80px; position: relative; } .ueb43d7c627b5fa57cd50160e69345aa1 , .ueb43d7c627b5fa57cd50160e69345aa1:hover , .ueb43d7c627b5fa57cd50160e69345aa1:visited , .ueb43d7c627b5fa57cd50160e69345aa1:active { border:0!important; } .ueb43d7c627b5fa57cd50160e69345aa1 .clearfix:after { content: ""; display: table; clear: both; } .ueb43d7c627b5fa57cd50160e69345aa1 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ueb43d7c627b5fa57cd50160e69345aa1:active , .ueb43d7c627b5fa57cd50160e69345aa1:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ueb43d7c627b5fa57cd50160e69345aa1 .centered-text-area { width: 100%; position: relative ; } .ueb43d7c627b5fa57cd50160e69345aa1 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ueb43d7c627b5fa57cd50160e69345aa1 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ueb43d7c627b5fa57cd50160e69345aa1 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ueb43d7c627b5fa57cd50160e69345aa1:hover .ctaButton { background-color: #34495E!important; } .ueb43d7c627b5fa57cd50160e69345aa1 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ueb43d7c627b5fa57cd50160e69345aa1 .ueb43d7c627b5fa57cd50160e69345aa1-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ueb43d7c627b5fa57cd50160e69345aa1:after { content: ""; display: block; clear: both; } READ: Contrast Between 2 Restaurants You Eaten In EssayIt has been due, in large part , to the tension between researchers who view laboratory animals as essential to their work and individuals who oppose animal tests that the modern alternatives movement has evolved. The movement began quietly, in 1959, with the publication of The Principles of Humane Experimental Technique by British researchers W. Russell and R. Burch. Russell and Burch advocated the ?three Rs? of replacement, reduction, and refinement. In the 1980s and 1990s, their philosophy has enabled researchers and animal welfare advocates to come together with a common goal: to find scientifically valid alternatives to animal tests. In conclusion, as proven by the Toms of Maine Co., and with the approval of the FDA, products can be marketed without the immoral practices of animal cruelty. As a form of life, animals acquire natural rights, one being the right to live, not to be exploited and exposed to pain. As best said by animal activist Jon Evans: ?To inflict cruelties on defenseless creatures, or condone such acts, is to abuse one of the cardinal tenets of a civilized society reverence for life.?