How Freight Factoring Actually Works

If you own a trucking company and are tired of facing cash flow issues, streamlining your cash on hand through your Accounts Receivable is a major advantage that many U.S. carriers large and small are beginning to incorporate as part of their overall financial toolkit. If your customers typically take 30 to 60 or even 90 days to pay on their invoices, freight factoring, also known as transportation factoring, is helpful because it allows you to secure your funds upfront by selling those invoices right away at a discount. 

Furthermore, the third-party factor that buys the invoices upfront and collects on them on your behalf is essentially freeing you up to focus your time and energy on more important elements of your business.

Factoring in Action

Let’s consider factoring in action. Let’s say your trucking company delivers a load for a customer with a 90-day payment term already negotiated. As a carrier, unexpected costs might arise, and if you can no longer wait three months to pay the driver, the fuel bill to deliver that load, or other fixed costs associated with running your business, there may not be enough cash on hand for you to meet your expenses. 

With the convenience of freight factoring, you can sell the outstanding invoice upfront at a discount. The factoring company you work with will advance you sometimes up to 97% of the value (and charge you a minor factoring fee in the process), which now gives you the money you need to cover the expenses of that delivery, and to take on new contracts.

Furthermore, the factoring company will now collect on that invoice on your behalf, allowing you to spend your time chasing down leads and growing your company. Once they collect on the original invoice, that 3% reserve held back from the advance is remitted to you. If you’re still curious about the process and about available plans, learn more here to better educate yourself on the nature of factoring and your options.

Easy and Fast Application Process

Getting approved for freight factoring is easier and faster than being approved for a bank loan and is much cheaper than predatory online cash advances. It’s also a boon for startups and small trucking companies without the most collateral in the world, as approval is based in part on the credit history of your customers. This means that so long as you deliver for reliable, successful companies, you will be able to factor their invoices.

No collateral? Not an Issue

Because the best factoring companies will not require that you put up personal collateral to guarantee approval, factoring does not need to be secured by assets. Regardless of your size or your collateral, you are likely to be approved for a factoring plan.

If you own a trucking company of any size, and your customers have fantastic credit but are simply too slow to pay on time, you should consider a freight factoring company who can help you manage your accounts receivable and improve cash flow. 

What Do You Need to Plan a Great Golf Tournament? 

There are many reasons why someone might plan a golf tournament. This type of event is a great way to raise money for a charity, business, new development, and more. Golf is known as the sport of the corporate world, which also makes it an excellent choice for any business or organization planning a way to host corporate clients. 

Between the first planning meeting to actually hitting the green, many steps go into the production of a golfing outing. The case might even be that whoever is planning the event isn’t a golfer themselves but they support and endorse the charity or cause for the event. As you plan your event, you’ll likely be looking for custom printed hoodies in your city to dress your team and crew for the event. 

You can also consider other custom clothing options for the staff, volunteers, and as gifts for donors if your tournament is a fundraiser. Planning a golf tournament can be overwhelming, especially during the beginning phases where you’re making a lot of the decisions. In this article we’ll outline some of the important things you need to do when planning a golf tournament. 

Sponsorship Help

Charity golf events earn the biggest amount of revenue through endorsements along with entrance and sign-up fees. The goal is to earn as much as you can through sponsorships and get extra support from the other fees. 

One typical sponsorship model is called “hole patronage.” It’s where a company pays a certain amount in order to advertise per hole. It’s also common for sponsors to contribute to the tournament as a whole and earn their promotional spot near the reception area, on signage, on messaging, and on the gear for the event. 

Show Your Thanks

With your sponsors locked down, you can start to include their names on the custom clothing for the event. You could create a two-sided custom t shirt design where the front contains the name of the tournament and the back showcases the logos of all the sponsors. 

Your sponsors might contribute to the event in different ways, so it’s up to you to decide how you want to acknowledge varying contributions. Some might give cash donations, some might offer products or services that you can use as prizes for the winners. 

A good plan of action for securing sponsors is to target companies and demographics that align with the purpose of your tournament. If it’s for charity, then it would make sense to find sponsors that also care about the cause. Once the event is planned out, invite representatives from your sponsors to the tournament and allow them to play and enjoy the day as an act of gratitude. 

Tournament Takeaways

Don’t let people leave your event empty-handed. This is where customized clothing from R&P Prints can come in. When you use the best t shirt printing Toronto has to offer, you can create fun and memorable clothing for your guests to take home. The garments will serve as a nice memento of the day and promote your business, too. Happy golfing!

What Are the Best Places to Travel To in January?

Who wouldn’t like to start a new year on a high note? And what can be a better way to do so than by visiting beautiful destinations? With winter in the northern hemisphere and summer under the Equator, the world offers plenty of wonderful options to explore. Whether you embrace the snowy season wrapped in a soft and warm woolen scarf and a mug of hot cocoa in your hand or you are a fan of the joy  of hot sunny weather, here are the best places to travel to in January!


With an extensive list of places to visit, spending January in Cambodia is a great plan! The weather is great, not to hot and not too cold, what makes it perfect for sunbathing in its serene beaches, exploring its breathtaking landscapes and discovering its fabulous temples. You can’t miss taking part of a jungle safari in Virachey National Park and  Siem Reap _ the gateway to the ruins of Angkor_ .


This assemblage of charming islands surrounded by crystal blue sea and lofty reefs, is a picturesque destination to travel to during the first month of the year. Newly weds can have a lovely honeymoon in Maldives! 

Water sport lovers will have a blast in Maldives: snorkeling, fishing cruises and submarine rides are just some of the activities that can be done on the islands! 


Morocco is absolutely charming and exotic and a nice destination to visit in January. It’s a vibrant country with colorful markets and mosques to explore during the day. Rabat, its capital city, is absolutely fascinating. Magical and medieval, invites visitors to explore it and discover its interesting attractions such as the Medina or ,the Royal Mausoleum of Mohamed V.

South Africa

South Africa is a fascinating country that is worth visiting any time of the year. However, what can be more exciting than starting a brand new year in such an exotic destination? 

It’s usually amongst the bucket list of wildlife lovers and a preferred travel spot for those interested in amazing road trips, stunning beaches and delicious wines. 

South Africa is, of course, a land for adventurers. January is a lovely month to be around and enjoy shark cage diving and witness the best game-viewing experiences at Kruger National Park. Table Mountain National Park invites you to discover amazing views of the surrounding landscape.

Those into wine, will love to discover vineyards and try delicious types of wines.


Kauai, in Hawaii, is a beautiful destination. Those wishing to escape the cold winter days will feel more than welcome and at ease here! It’s a destination that usually makes it to the bucket list amongst surfers. They flock to the northern shores of the island of Kauai to enjoy the pleasant warm waters and the massive waves. 

If you’re not into surfing, you’ll be able to practice all kinds of water sports such as snorkeling, scuba diving, jet skiing, water skiing, kitesurfing… you mention! And after spending so much energy, get ready to refuel at any of the nice Hawaiian restaurants in the area. They offer delicious seasonal winter food such as starfruit, avocados or tangerines and chefs know how to blend them into delicious dishes! 

Nature lovers will also enjoy whale watching. January is the time of the year when humpback whales travel past on their way to find solace in the warm waters of the South Pacific.

Kauai is a great destination for road trips. Driving from one attraction to the other is easy and both drivers and passengers can admire stunning views along the way. It’s really easy to rent a car in Kauai as many of the most popular car rental agencies have offices there.  If renting a car is an appealing idea for you, don’t forget to explore all your options regarding car rental insurance policies. 

Park City, Utah

January is snow time in Park City and a great time to flock to this mountain community located just a few miles from Salt Lake City. Those into winter sports will definitely feel at heaven here: downhill skiing, snowboarding and cross-country are just a limited assortment of winter fun activities that you can enjoy! Dog sledding through mountain trails is amazing and the Arctic breeds and huskies are great to see! 

You can also rent a snow mobile to explore the backcountry terrain. Many companies also guided tours that invite you to discover spectacular vistas and out-of-the-way places.


What can be nicer than starting the year in the buzzing city of Berlin? This German city invites you to discover its interesting past, rich culture, delicious cuisine and vibrant architecture. Outdoor cafés, bars and restaurants put away their outdoor seating during the winter season and invite you to enjoy the city life from the warmth inside. Wrap up warmly and go for a stunning walk around Berlin’s Botanic Gardens, join a free walking tour and see the most famous landmarks of the city. 

Art fans can get their art fix at the Gemäldegalerie, where you can admire a stunning selection of European art.   

Want a Good Mortgage? Plan for Minimal Debt

You’re finally at the point in your life where you’re ready to buy a home. This is an exciting and important time filled with plenty of ups and downs. It’s no secret that buying a home is a huge commitment and with a difficult housing marketplace out there, it’s important to set financial boundaries and be realistic with what you can afford. Like most home buyers, you’ll probably get a mortgage to pay for your new home, which means it’s important to get the best mortgage interest rate possible.

Even a small decrease in your mortgage interest rate can amount to hundreds of thousands of dollars over the course of your loan, so it’s a major point in planning for your home. If you’re already handling debt and it’s seeming like you might never be able to move towards a good mortgage rate, then you should enlist the help of Licensed Insolvency Trustees (also known as bankruptcy trustees) at David Sklar & Associates to help you erase your debt and plan to build your wealth. You need to know what your options are to manage the debt you already have in order to move forward and realize your dream of homeownership. 

Should I Be Debt Free?

Everyone has their own beliefs when it comes to what relationship you should have with debt and credit. Some people strive to be debt free, though this isn’t always the best way to build a strong financial profile. You need to be able to manage your debt properly, make regular payments, and meet your financial obligations in order to prove you have good credit. Being debt free might not help you build the robust credit profile you need to secure a good mortgage rate, it’s just when your debt has gotten too difficult to manage that you should take action.  

How to Get the Best Mortgage Rate

A home is the most expensive thing you will buy in your lifetime, so getting the best possible deal on your mortgage is incredibly important. You should treat this like any other major purchase: shop around, compare, ask questions, and do your research. You can visit mortgage rate comparison sites to see what different mortgage rates are out there.

To build a strong financial profile and get the best mortgage rate for your home, here are some tips:

  • Improve your credit score
  • Lower your debt-to-income ratio
  • Have a steady record of employment
  • Have as much cash as possible for your down payment
  • Have cash reserves set aside
  • Act quickly once you’ve found the right one

Seek Help from Licensed Trustees

If your debts as they stand do not exceed $250,000 and you have the ability to make regular payments, then getting rid of your debt via a consumer proposal might just be the thing you need to get back on track towards healthy credit and financial freedom. Licensed trustees can help you set up your proposal as well as evaluate your situation to discuss all of your options so you only go with the best solution. From there, you can move towards home ownership and a good mortgage.

Lead a Safer Digital Life in 2019 with These Tips

The end of a long year is the perfect time to reflect on the past and search for ways to make the next 12 months better. If 2018 has taught you anything about your online safety, you know you can’t trust anyone but yourself to protect your data. Data breaches are on the rise as hackers target online retailers, social media, and even credit agencies without prejudice. If you expect to protect your data from overexposure, make your digital life a priority in 2019. Here are four ways to stay safe in the new year.

Update your software

Did you know that Windows randomly searches for updates every 17 to 22 hours? That would explain why that pop-up reminding you to update seems to show up every time you use your laptop. 

If you’re like most people, you click “remind me later” on most of your software updates, whether it’s for Windows, your anti-virus, or phone OS. These notifications usually come at the worst time, and they can take forever to load. Depending on the size of the update, it may even change the UI — causing some people to postpone these updates indefinitely.

You’ll want to rethink this strategy in the new year. In many cases, these regular, minor updates include security upgrades targeting common malware and bloatware affecting your apps and devices. These updates patch any vulnerable parts of your software. By accepting these on a regular basis, your data will be better protected against virus and other security issues. 

De-bug your phones

Another way you can limit your exposure to malware is by taking a look at your phone. If you enjoy trying out new games, podcast players, and messenger services you’ve probably downloaded your fair share of apps. And you probably used all of them a lot at least once — like when they were still fresh in your mind.

After a few weeks, however, the novelty wears off. Eventually, months go by before you even scroll far enough to see the app is still there. If this sounds familiar, your phone is probably full of stuff. 

It’s a good idea check in with any third-party app that didn’t come with your Pixel or iPhone, using your Pie OS or iOS to help you determine which ones you don’t use. Review your phone for any apps that you don’t use often and apps that you don’t remember downloading. These third-party apps could be accessing your data and using it without your permission. By deleting them, you’ll cut off the supply while opening up some much-needed memory on your device.

Read terms and conditions

Back in the spring, you probably received a bunch of emails regarding privacy policies and terms of service. From Uber and Skip the Dishes to Facebook and Instagram, online services had to update these terms and conditions thanks to a new data security law ratified by the EU.

In all likelihood, your eyes glazed over when you opened these emails — just like when you consent to websites tracking your cookies. Most people do it, but you shouldn’t. Every time you visit a site, shop online, or log into a profile, you’re sharing confidential data with these servers. These terms tell you how these companies and apps intend to use your data.

In 2019, blink through the tears of boredom and read these conditions. It’s in your best interest to understand how companies plan protect your information. Whether it’s just your cookie history or something as important as your credit card number, whatever you choose to share must be protected carefully from prying eyes.  Read up on the company’s privacy policy to ensure your data is safe from other companies and users.

Protect your hardware

Studies show mobile browsing is more popular than traditional desktop usage. So If you’re like most people, you’re using your iPhone or Android to scroll through Instagram, read the news, shop online, and more. 

The prevalence of dedicated apps and mobile browsing makes it easier than ever before to use your handset as your primary device — making it possible to do almost anything on the web from anywhere you get a signal. 

The downside to this mobile way of life is that the latest handsets like the iPhone X series, the Galaxy S9 series, and the Pixel 3 series are incredibly sensitive. One wrong move and you can scratch a groove into the backing or drop them to the ground.

If you’d rather not wait to see how your new iPhone XS Max fairs on a drop, you’ll want to invest in a protective skin for your phone. iPhone skins are thin yet durable accessories that wrap around the bezels and backing of the XS Max, coating it in a scratch-free and grime-resistant layer of vinyl. This material is texturized to boost your natural grip — improving the chances of you keeping it in your hand.

Each skin is made with your phone in mind, so an iPhone skin measures differently than a Galaxy skin or than a Pixel skin. A skin company like dbrand is also working on a screen protector that will work alongside these custom-made skins to ensure your phone is protected from bezel to increasingly smaller bezel. 

Sign-ups for the Prism screen protector are on-going, and there’s word on Twitter it will release alongside a skin compatible Grip case. Exact dates aren’t known just yet, but that’s okay. You have all of 2019 to go through this checklist and make sure your tech is safe.

From esoteric online security to handheld physical well-being, every step contributes to your digital safety. Make sure you follow this guide to keep your data and device protected every month of the new year. These intentions are the best resolutions you can make in the new year.

5 Excellent Libraries Around the World

Whether you are using recent technology to study or the old methods, libraries remain on the top to study. There are many libraries around the world, and today we will take a tour of the world’s best libraries and what makes it different from the rest. So let’s start.

Admont Abbey Library, Austria

This library situated on the Enns River in southeast Austria. It was constructed in the year 1776. Joseph Hueber developed it as breathtaking beauty. The library crowned with seven doms with shining in gold and white colors. With 4 Museums, 26 Parishes, 200000 Volumes and 1400 Manuscripts (up from 8th Century), it is the largest library of this type in the world.

Library of Congress, USA

The Library of Congress is the national library of the U.S. and the country’s oldest federal cultural institution as well. It consists of only three buildings, but it makes its place in worlds one of the largest libraries. It is open for public, tourist, research but a specified person can look for the books only. It has more than 32 million books, a rough draft of the Declaration of Independence, more than 61 million manuscripts, over one million newspapers from the last three centuries, one of the four perfect vellum copies in the world of the Gutenberg Bible, over five million maps, more than 14 million photos and prints and six million pieces of sheet music.

Bodleian Library, United Kingdom

The Bodleian library established in 1602 and today it is one of the oldest libraries in Europe. It has more than 11 million items, which includes many of historical importance: a Gutenberg Bible, four copies of the Magna Carta, and Shakespeare’s First Folio (from 1623), and many more. One of the most interesting things is Radcliffe Camera, built in 1737-1749 to house the Radcliffe Science Library. The Bodleian library also comes in many movies including The Saint, Young Sherlock Holmes, The Golden Compass and The Red Violin.

Stuttgart City Library, Germany

Stuttgart City Library is an impressive library. It was first opened in 2011 for the public. It makes up with pristine, gleaming surfaces and staircases. One can miss the gliding pilers and intricate ceiling frescos. But it is filled with light and space. The design of the library influence from the Pantheon in Rome. The multi floors, meeting areas and white color interior set with the grid effect created by the many apertures in the cubic exterior.

Vatican Library, Vatican

Being one of the best libraries in the world under the proper authority of the Catholic Church in Rome, it is must visit the library. It established in 1475 as the Catholic Church. At present they collect historical acquisitions, gracious gifts, and generous bequests. At present, the Vatican Library holds 75,000 manuscripts, more than 1.1 million books, and over 8,500 incunabula. If we said appropriately, then this library owns many significant works from ancient times and the oldest complete manuscript of the Bible.

Everything You Need to Know About Cannabis Legalization in Ontario

It seemed like the day would never come for Canada’s Ontario to actually pass the laws related to cannabis legalization throughout the province, but that day is finally here. Starting on October 17th, 2018 recreational use for marijuana will officially become legalized by the federal government of Ontario. There has been a lot of back-and-forth arguments between political figures and Canadian citizens about how this will affect Ontario as a whole and what laws will be needed to regulate marijuana use. If are unsure about the final decisions and regulations related to recreational cannabis use, keep reading to learn everything you need to know about legalization in Ontario.

What’s the deal with growing? A major question in the weed community is in regards to growing. Now that it is legal, will you be able to grow it yourself? Yes, but there are restrictions on the amount – you are only allowed four plants per household (not per resident). If you want to grow for medical purposes, four plants if often not enough especially if you are juicing your buds or making edibles and marijuana is part of your day-to-day lifestyle. You’ll want to think about obtaining your ACMPR license to grow which allows you to grow a much larger quantity depending on your doctor’s prescription.

Where can I buy and use recreational cannabis? Anyone under the age of 19 will not be able to purchase cannabis at all, so be prepared to show your ID at the dispensary. As far as where you can purchase it, the only legal source for recreational use will be from an online store set up by the government. The Ontario Cannabis Store allows you to purchase about an ounce of recreational weed at once for personal use. The package will be delivered to your doorstep, but keep in mind that you will have to sign for it as well as show identification to prove you are over 19. The government of Ontario is currently working on legislation to set up a sustainable retail model for brick-and-mortar stores. However, these private stores won’t be in effect until April 2019 at the earliest.

If you want to use marijuana in public, here are the things you need to keep in mind. You won’t be able to light up in indoor common places within condos, apartment buildings or university dorms. No use in enclosed public or work places, and absolutely no recreational use will be allowed around children (in schools, daycare facilities, or playgrounds).

Are the rules different for medical and recreational use? Yes, medical cannabis use is subject to different regulations than recreational use. Your best bet for medical use it to obtain your legal grow license from Health Canada. Don’t worry, if you already have a prescription for medical marijuana from a licensed professional, you won’t be affected by the new recreational cannabis legislation.

What are the laws as far as possession and driving under the influence of cannabis? A huge reason the legalization took so long to come into effect was due to arguments about things like possession restrictions and driving laws. Possession over 30 grams in a public area is not permitted. If you are caught driving while under the influence of cannabis, you’ll be subject to immediate license suspension, fines, and potentially a criminal record.

World’s 5 Most Luxurious First-Class Cabins

luxury in the sky

At present the travel facilities are at its best, even one can call this time as a golden era of travel. Now traveling to any extreme country or region is easier. For those who have lots of money can travel around the world with various facilities and in luxurious cabins. So let’s take a look at the world’s five most lavish first class cabins and what it has to offer for its passengers.

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Healthiest Vegetables to Improve Your Health

Vegetables are one of the things that need for your good health. They are high in vitamins, minerals, and fibers with low calories. So let’s take a look at the list of vegetables that will help you to fight your disease, reduce the risk and improve your health.


Spinach is one of the healthiest vegetables with leafy green tops and full of nutrients. 30 grams spinach has 56% of vitamin A that you need on a daily basis. It also has sufficient vitamin K to fulfill your daily needs. And everything you get with just seven calories. It reduces the risk of chronic disease with a lot of antioxidants. Spinach has a high amount of beta-carotene and lutein, which decreases the risk of cancer. Regular spinach consumption lowers the blood pressure and ultimately beneficial for heart health.


Carrots filled with vitamin A, vitamin K, vitamin C, and potassium. 128 grams of carrots only provide the daily need of vitamin A. An antioxidant named as beta-carotene gives it red-orange color and prevent cancer. According to the study if one eats carrot only once a week, then it may reduce the risk of prostate cancer by 5%. Eating carrot can reduce the risk of lung cancer.


Broccoli is a member of cabbage family with the large flowering head. 91 grams of raw broccoli provides a sufficient amount of vitamin K, vitamin C, manganese, folate, and potassium. It has glucosinolate and sulforaphane, which are rich in sulfur. The sulforaphane works against cancer and reduces the number and size of breast cancer cells. Broccoli consumption may reduce the chronic disease, also as it is loaded with nutrients.


Garlic is used as a medicinal plant from ancient times. Allicin, an active compound of garlic is mainly responsible for the various health benefits. It regulates blood sugar and improves heart health. As per the study on the animal, garlic can decrease total blood cholesterol, LDL cholesterol, and triglycerides, increasing HDL cholesterol. It also helps to prevent cancer.

Brussels sprouts

Brussels sprouts are a member Gemmifera Group of cabbages and contain the same compounds like broccoli. Also, it contains kaempferol, an antioxidant that prevents cell damage. Kaempferol protected against free radicals and prevented damage of cells and chronic disease. It also enhances detoxification. Why it is so because eating Brussels sprouts increase specific enzymes by 15-20% and control detoxification. It leads to reduce the risk of colorectal cancer. It is rich in nutrients, vitamins, and minerals, including vitamin A, vitamin K, vitamin C, manganese, folate, and potassium.


Kale is a green leafy vegetable with a high amount of nutrient and antioxidant. 67 grams of raw kale contains vitamin B, calcium, potassium, and copper. This much is enough to fulfill your daily requirement of all of the above vitamins and minerals including vitamins A, C, and K. It promotes heart health with plenty amount of antioxidants. Kale reduces blood pressure, blood cholesterol and blood sugar as well.