US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%

US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 1.14%. While S&P 500 was trading at 3,701.66, up by 0.98% and Nasdaq Composite 10,690.60 was also up by 0.71 per cent

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US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%
Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. Source: Reuters
US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 345.25 points or1.14 per cent. While S&P 500 was trading at 3,701.66, up by 35.88 points or 0.98 per cent and Nasdaq Composite 10,690.60 was also up 75.75 points or 0.71 per cent. A Reuters report said that today’s strength was on the back of a report which said the Federal Reserve will likely debate on signaling plans for a smaller interest rate hike in December, reversing declines set off by social media firms after Snap Inc’s ad warning.

Source: Comex

Nasdaq Top Gainers and Losers

Source: Nasdaq

Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. The BSE Sensex ended at 59,307.15, up by 104.25 points or 0.18 per cent from the Thursday closing level. Meanwhile, the Nifty50 index closed at 17,590.00, higher by 26.05 points or 0.15 per cent. In the 30-share Sensex, 13 stocks gained while the remaining 17 ended on the losing side. In the 50-stock Nifty50, 21 stocks advanced while 29 declined.

Tips For A No Weeds and No Bugs Urban Permaculture Garden

Soil PreparationTo produce delicious fruits and vegetables in an urban permaculture garden, all starts with the soil preparation. This easy method helps minimize weeding and requires minimal watering.1. Lightly sprinkle the complete grass or soil area that you want to make into an urban garden with fresh compost. This attracts the worms to come to the surface and find all the delicious layers you put on.2. The most important first step in creating your urban permaculture garden, is to cover the grass or soil thoroughly with wet newspaper, at least 5 pages thick, making sure there are no colored ink pages included.3. Then cover the newspaper with plain flat cardboard and water it well. Flattened cardboard boxes are good to use for this.Raised Garden Beds1. Use untreated 8″ x 1″ or 12″ x 1″ timber to make square or rectangular garden beds, no wider than an arm span from each side to the middle. This allows you to work your permaculture garden from all sides without stepping on the growing area. This way, the worms and insects do all the hard work for you, and their habitat is not overly disturbed or compressed when you plant or weed your crops.2. Lay out your raised garden boxes on the prepared area of cardboard, leaving wheelbarrow width walkways all around them. Peg the boxes to the ground.Filling Your Raised Garden Beds1. Cover the wet cardboard inside the raised boxes with a thin layer of coffee grounds. This benefits fruits and vegetables in a similar way to what nitrogen does. Coffee grounds obtained at no cost, from coffee shops can also be used later as a top sprinkling to enhance growth.2. Next add any layer of manure at this stage but not too thick. Horse manure from quality stables is good, as these horses have a very good balanced diet. Alternatively, use sheep pellets or chicken manure. The soil that chickens have turned over in their yards can also be added here.3. Next you can add a thick layer of compost dirt. See the compost section to learn how best to make this, otherwise, buy some from the garden center.4. On top of that, you can add a layer of potting mix if you are planting seeds or want a finer soil to plant your seedlings directly into.5. A layer of organic wood chips, leaf mulch, or year old calf shed cleanings tucked in between plants after you have planted, keeps the top soil darkened to allow the worms to come up around all your plants and stops weed seeds germinating. The worms leave their fresh worm juice right there beside your plants.6. Prior to planting anything in your new garden boxes, give these layers of soil a gentle soak with the best water you can find, and leave them to settle for a week or so, watering daily. This encourages the worms, insects and bug life to take up residence and work their magic in your soil.Beneficial Additions To Your Soil Layers1. If you have access to them, a thin layer of wilted comfrey leaves laid on top of the coffee grounds provides valuable nutrients. We grow two large controlled clumps of this, so a source of compost material lays under our fruit trees. This is a prolific, powerful medicinal plant but needs cutting to wilt in the sun first to stop it taking root and spreading throughout your garden.2. Then to tune into the magnetic field of the earth, you can sprinkle a thin layer of paramagnetic rock dust on the compost. Paramagnetic rock dust can also be added to compost mixes in about 1:10. You may need to search for a supplier near you.3. Liquid chicken, sheep or cow manures, worm juice or diluted seaweed liquid are all very beneficial manures to add to your garden. The dilution needs to be weak to avoid burning the plants. These dilutions and rates of applications are easily found on the web.4. We watered our cabbages twice a week with liquid cow manure (one cow pat to a large bucket of water), when we were dairying in the perfect growing climate of Wairoa and grew giant species of cabbages. The outer leaves reached waist height and the hearts were huge! We felt like we had unlocked a secret from Eden!Pest Control And Ways to Provide For Beneficial Insects And Animals1.When you plant your cabbage, cauliflowers or broccoli, make a bamboo A frame shape and drape fine white mesh over the plants, to save having to spray for white butterfly.2. Keeping ducks on your walkways ensures the snails and annoying bugs are eliminated, but you will need to cut some plastic mesh to make a small fence inside the garden boxes, that the ducks can’t get over, to protect the vegetables in your garden boxes. You may need to clip one wing on your ducks if they fly. Feed the ducks kibbled maize, after they have eaten from the walkways.We have a drake and three ducks and rear the ducklings for meat and have eggs for baking. Peeking and Muscovey are good eating ducks and make a beautiful feature in the garden when they float in the pond. The water they bathe in is excellent to water the gardens with. We give them clean water every day.3. Make a space full of rocks to encourage frogs and geckos to come to live in, as they can deal with bugs and pests also. Frogs love a small pond.Insect Life1. If you really want to be kind to your insect friends, you can make a watered down molasses solution to sprinkle on top of your newly created garden. Do this after your garden’s first watering. This will feed all the worms, bugs and the bee colonies that are going to do the gardening for you, as they love that little bit of sugar content..2. Bees have a memory of where they get good water and the sweetest nectar, so if you cater for their needs it ensures you get good visitation when you need them for pollinating. They have a good memory and will bring their friends back with them. The wonderful tasting fruits you grow will also attract the bees, thus ensuring pollination when you grow fruits all year round.3. Plant many blue and purple plants like lavender and make sure you grow colorful flowers to attract the bees throughout the season. Provide a water bath for both birds and bees for resting and drinking. Planting lavender under the windows of your house helps keep those pesky mosquitoes at bay and brings the bees across. This ensures they find all the plants that need polination as they fly back out of your garden.Water Retention Walkways1. Box up the far sides of all the walkways around your garden beds enabling them to hold 8 to 12 inches deep of either untreated sawdust, calf shed wood chips, or tree and leaf mulch from your local tree removal firm. Avoid pine mulch.2. Another way to get a good walkway filler is to ask to clean out horse boxes at stables. You will receive unlimited access to good untreated woodchips, complete with horse urine.These walkways become large worm breeding areas and the next year are ready to become the compost material for your garden beds. You then just refill your walkways annually.3. The rain water is held in the fibrous wood materials in the walkways and seeps into your garden beds as they need it. When it rains you collect all the run-off across your section in these walkways and this way you are collecting water for your garden for a future drought.When we made our walkways, we spirit leveled them to hold water evenly along their full length. The paper and cardboard being thicker in the walkways and up the sides keeps the water in for as long as possible.4. The outside edges of your planned garden area planted with fruit trees close to the walkways enables them to enjoy the wonderful moisture from your walkways too.5. Lay any tree branches, mulch or grass clippings under your trees and watch the wonderful forest floor develop there. Better still, feed the grass clippings to the chickens first and watch them make beautiful compost soil out of it.6. This forest floor soil is excellent to grow seedlings in, mixed with potting mix. Mushrooms can also grow in this rich moist atmosphere under the trees.Composting1. Soils love compost that have a 1 part nitrogen to a 25 part carbon ratio. Making compost in this ratio, ensures your stack will not sink down to half the size, but stay the size you made it. Just add layers and layers in this ratio, and cover the stack until it is ready. Properly made it will be ready in a couple of months but it is more common to leave it six months to a year.2. Nitrogen equates to the hot things such as manures or road kill and the carbon equates to the dry wood based matter such as dry grass clippings, dry wood chips, paper, cardboard, or dry tree mulch.3. A compost made in this ratio is a source of hot water for a shower. Wrap black polythene pipe around and through your compost, connect it to a hose and shower head and there you can have a shower in the garden before heading home.Leaf Curl and Fungi1. Copper tacks in the trunks of your fruit trees stops leaf curl and flea collars around the base of your apple trees can stop the apple moth that climbs up the tree before it mates with the ones that flies into the tree.2. Fungi send out a filament underground, like an internet connection to every tree and plant in your garden so anything you do anywhere in your garden affects the entire area. Your garden is a living, communicating entity.Harvesting and Replanting1. Only cut the tops of vegetables like cauliflowers and broccoli when you harvest. Leave the roots in the ground for the soil life to break down, as the rotting roots make good water walkways deeper into the ground.2. When replanting, just make a small hole, add a bit of compost dirt, then plant your new plant or seeds without disturbing the soil life too much. The soil stays soft and workable if you keep adding mulch to the top and keep the moisture levels right.3. Your garden will be very lush using no dig, no spray, no weeds, no bugs, urban permaculture garden technology and needing only minimal watering to produce delicious fruits and vegetables. The mulch on the top of the soil slows down the evaporation rate of the available water.Now what if the water you do need to water your garden with is the very best filtration method that man has discovered? This structured water we use, gives us amazing growth, double fruiting and fruit that tastes full of energy.We are sure you will be as amazed as we are with the results.Visit our website below, to be amazed and enlightened.I hope you liked my article with tips for a No Weeds and No Bugs Urban Permaculture Garden.

Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding

Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.

Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.

Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.

Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )

How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:

Debt / Loans

Asset Based Financing

Alternative Hybrid type solutions

Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas

If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).

Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.

The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.

Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.

We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.

Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.

If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.