Whew! It is time to relax! Finally, with the election over, except for counting the votes, we can all return to our normal worry-free, no-stress lives and not be bombarded with all the hyperbole and finger-pointing which drive election campaigns. We can sit back and enjoy the holiday season in peace.

When we think of November and December, we think of celebration. Whether the celebration is based on religious faith, such as Christmas, Kwanza, Chanukah, or merely a celebration of life and the Hibernal Solstice, December is a time when traditions bring families and friends together. It is a time when the smell of freshly baked treats and open fires fills the air, and music fills the heart. Even though December is the darkest month with the shortest days of the year, it is also the brightest as candles and decorative lights are placed on buildings, along busy streets, and woven through the trees filling the darkness as far as the eyes can see.

However, the Holiday Season can also be stressful, even during the best times. We still have to make it through the holiday office parties and dinners with family and friends. What do I wear? What sort of gift should I bring? Do I drink or not? And, with the current inflationary prices and product shortages, how will I afford to provide a good Christmas for my loved ones?

There is no doubt in anyone's mind that the last three years have been trying times between COVID, supply shortages, inflation, the threat of recession, and politics and protests. Unfortunately, predictions are that we will be fighting the COVID virus again this winter, and inflation, while easing somewhat, will affect the economy for another few months.

How you handle stress determines its outcome. The key to survival is to stay mentally and physically healthy. The following is a list of ideas to ease the Holiday Season's stress and position you for a healthy and stronger 2023. Click here to read more.

The fundamental difference between a business loan and factoring is that 100% of a loan must be paid back, along with the interest that is based on the length of time that it takes to repay the money. The amount that you borrow also affects your credit score.

When you factor your accounts receivables, you are simply taking an advance on money that already belongs to you. For the convenience of receiving your money before the customer pays their invoice, the factoring company charges a small 3%-5% of the total amount of funds they advance. The principal, or advance, is then paid by your customer when they pay their bill. In addition, factoring companies often report your customer's payment history to credit agencies.

For more information, click here.

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