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Gardeners can select from a large variety of lettuces that are easy to grow, highly productive in limited space, and virtually pest and disease free. Lettuce is definitely one of the more “care-free” crops. Lettuce is a great way to start gardening; it is what I started out with actually. There are a few key principles though that should always be kept in mind.LettuceFor maximum lettuce production, it’s wise to select a site where the soil drains well, yet retains some moisture. The soil should also be rich in nitrogen and potassium, The best way to accomplish this is to work in plenty of organic matter (compost, rotted manure, or leaf mold) that will loosen and enrich the soil.Most lettuce varieties mature in 45 to 55 days, allowing many gardeners to plant two or even three crops. But looseleaf and butterhead leaves can be harvested at just about any time in their development. Heading varieties take longer to mature. Romaine takes 75 to 85 days and crisphead 70 to 100 days.By choosing the right varieties and with these lettuce gardening tips, it’s possible to have lettuce in your garden throughout the growing season. This lettuce is great for salads throughout the growing season. There really is nothing better than a fresh Caesar salad with fresh romaine from the garden!Lettuce Gardening TipsLettuce HistoryLettuce, one of the oldest food plants known to man, is believed to have originated in India and Central Asia. Even Herodotus wrote of lettuce being served in ancient Greece, and it was a most favorite vegetable in ancient Rome. This is where we get “Caesar Salad”! In fact, the word “lettuce” is derived from the Latin root word “lac” meaning “milk,” referring to the milky juice found in mature lettuce stems.Columbus and other European explorers brought lettuce seeds to the New World. Our early colonists included lettuce in the first gardens planted in American soil. Today, lettuce is a favorite vegetable here and around the world. It has revolutionized all cultures of food, from hamburgers to salads.More Lettuce Gardening TipsLettuce is so easy to grow it can be started indoors for early transplants or sown directly in the garden. In fact, doing both is recommended to get maximum production. Lettuce seeds are extremely tiny, so it is recommended to be generous with them when planting. It is a good idea toRomaine Lettucestart some lettuce seeds indoors in peat pots a few weeks before the last frost date in your area. Provide the seedlings with plenty of sunlight or keep them under artificial lighting until ready to move into the garden. Transplant the seedlings as soon as the soil can be worked in the spring. If a hard freeze threatens, protect the seedlings with a cloche or row cover. Reserve a number of lettuce seedlings to fill empty spaces in the garden as the season progresses.To sow lettuce directly in the garden, simply plant the seeds about 1/4 inch deep, tamp them down, and water. It’s that simple! Space the sowings according to packet directions that are based on the size of the mature lettuce. For example, a crisphead may require a square foot of garden space. As many as nine plants of a small leaf lettuce variety can grow in the same space.Keep in mind that lettuce seeds won’t germinate in soil that is 80 degrees F. or warmer, so there’s no sense in sowing directly in the garden in the summer. Resort to starting heat-tolerant varieties indoors and moving the lettuce seedlings into the garden, preferably under partial shade, after they’ve developed a few true leaves.Lettuce CultivationHere are two cultivation tips to keep in mind:Succession plantings.Lettuce is ideal for succession planting. Sow seeds every two weeks for production throughout the season, starting with early lettuce varieties, using heat-tolerant varieties as your main crop, and then switching to fall crops late in the summer. Or, if you prefer, use lettuce in successions with other crops. For example, plant lettuce in the spring, followed by bush beans in the summer, followed by lettuce again in the fall.Watering.The key to lettuce production is supplying moderate but almost constant water, especially during hot weather. Unless there is regular rainfall, lettuce must be watered deeply at least once a week- more frequently during periods of drought. Mulch with a layer of compost or clean straw to help the soil retain moisture. A drip-irrigation system is ideal.Lettuce Growing TipsTo improve overall lettuce production, consider using the following four techniques.Raised beds.To maximize lettuce production, plant seeds in raised beds. The raised beds warm up faster than the surrounding ground. You should be able to get an earlier start in the spring and a later crop in the fall. Raised bed gardening is, without a doubt, the best way to garden anything out there. Its simplicity, organization, incredible fertility, and results are astounding.Living mulch.To make the most of limited garden space, plant lettuce around taller plants like broccoli, Brussels sprouts, peppers, and eggplants. This helps the lettuce grow a lot better; if they are left in the beating sun without moisture, they will not be able to survive. The lettuce helps its neighbor by keeping the surrounding soil moist and cool and keeping weeds shaded out. As the taller plants grow, they provide needed shade for the lettuce as the days get warmer.’Tucking.’You can also start lettuce seedlings indoors for filling vacancies in the garden in late spring and again in early fall as other crops are harvested. Simply ‘tuck’ a seedling in the vacant spot to keep every inch of garden space in constant production.Ornamental use.Many varieties of lettuce are welcome additions to ornamental beds. For example, ‘Mighty Red Oak,’ ‘Sweet Red,’and ‘Sierra Blush’ can easily fill gaps in flowerbeds, adding splashes of red where needed.Insects and DiseasesLettuce is generally disease and pest free, but you should still be vigilant.Cutworms and slugs are the most bothersome pests. Use a paper collar around young lettuce seedlings to keep the ravenous caterpillars at bay. Slugs are tougher to control. Sprinkle wood ashes or diatomaceous earth over the soil around the plants to discourage the nasty mollusks. Be sure to reapply after each rainfall.A major threat is lettuce rot which first attacks the lower leaves in contact with the soil and then spreads throughout the plant.With these lettuce gardening tips, you can stop this. The best way to prevent fungal and bacterial diseases is to rotate crops. Don’t plant lettuce in the same bed two years in a row.Raised Bed of LettucePerhaps the greatest threat to lettuce growing are deer. If there is no protection or netting over these lettuce plants, I can assure you that the deer will have a salad bar feast and everything will be gone. I specially recommend the plastic raised beds with pre-made nets from gardeners. These are what I use for my garden. These lettuce gardening tips will save you a ton of time that I had to learn by experience.Lettuce Harvesting TipsLettuce can be harvested any time after true leaves form. For the best quality, better to pick early than late as lettuce allowed to grow too long may be bitter and tough.To harvest crisphead, Batavia, and romaine varieties, cut the plant right at the soil line when mature, if you prefer to harvest full heads. You can do the same with butterhead and looseleaf lettuce, but I prefer to harvest only the outer leaves as needed. This keeps the plants in production longer. Try to harvest in the morning when the leaves are crisp, sweet, and full of moisture.When the crown of a lettuce plant elongates, it’s about to bolt to produce seed and the plant has passed its prime. Yank the lettuce plant out, toss it on the compost pile, and replant the space with another crop like bush beans, or with another lettuce seedling.Recipes and StoragePrimarily water, lettuce does not store well. For the best quality and flavor, use homegrown lettuce soon after harvest. This is particularly true for many of the looseleaf varieties, which wilt readily.Combine crisp, crunchy lettuce varieties with soft, buttery-smooth types. For example, a blend of ‘Little Caesar,’ ‘Burpee Bibb’, ‘Mighty Red Oak Leaf,’ and ‘Crispy Frills’ makes a fine tossed salad with a variety of colors, shapes, and textures. With the lettuce gardening tips, you will be able to grow and try different blends until you find the ones that most delight your palate.

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.

While yes, our team is born in a world of intense high athletic goals such as bodybuilding, it is not our goal to support people to become bodybuilders – FAR FROM IT!;-) So you can relax now!! But it IS our goal to share with you why the lessons from our experience of mastering human health & the body, & how developing a bodybuilder “mentality” for your own life can literally skyrocket you into a level of personal health you never thought possible, while showing you the shortcuts in how to get there! Sound good? Heck, it sounds GREAT to us, because we already know how it can CHANGE YOUR LIFE.If you are serious about stepping into your greatness of feeling & looking great, take 3 minutes & glean our insight, because this is the single-most MISSING LINK that we see people repeatedly leaving out of their game plan to great health & why they continue to fail at achieving quality health for their lives.When you have had an experience of taking your mental, emotional & physical self to the level that bodybuilding competition requires, as a coach for others it then allows you to see potential for your clients that they could never envision for themselves without you by their side AND TAKE THEM THERE, and that is the beauty of the gift that we REJOICE in offering others in order to achieve optimal health, energy, & joy for their lives. But to get there…to create a successful transformation of your health & body, you HAVE to begin INSIDE with our 5 MUST-HAVE Steps! Yes, that’s right – the focus begins in the MIND. Time & again we see this process work, and it’s our UNIQUE coaching psychology method that sets us apart, & why we are capable of producing jaw-dropping results with the level of motivational mentality we provide. You can have all the knowledge in the world, but if you fail to develop the DESIRE & MINDSET to IMPLEMENT it, you will never succeed.Want the insider view to our winning approach to learn how to transform your own health & body? We’re here to offer you the scoop because it’s our desire to support you fully to achieve authentic, preventative health from the inside, out in your lifetime. So where do we begin? There is a prolific spiritual author named John Maxwell, maybe you’ve heard of him, maybe you haven’t – but he writes of numerous spiritual topics & speaks on how we create TRUE transformation for our lives. Below we adapt his words for our article today because it’s a brilliant synopsis of just why & how we work with clients to coach them through mastering their personal health, as there are so many levels to the process.When we discuss transformation of the physical body, to be successful we cannot deny that mind, body & spirit are woven tightly together in our being & therefore EACH needs to be considered – not just one. Often people when wanting to conquer health or healing goals immediately BEGIN at the physical, they think weight loss, nutrition, exercise…but that is their first step to failure because they’re joining the race before they’ve even laced their shoes!! When we fail to address mind & spirit in the health process we eventually lose the vision of why we’re addressing the physical in the first place & sadly fall off course when interest wanes, times get tough, or we lose our way because the how-to’s become unclear or appear out of reach. But if we start INSIDE & work OUTWARDS friends, GAME ON!!Our 5 Expert Insider Steps to Transforming Your Health & BodySo these 5 KEY STEPS must be addressed in order to achieve a complete & SUCCESSFUL health & body transformation, and they must also be achieved in order as follows…1. When you change your (health & body) thinking, you change your (health & body) beliefs.If you think what you’ve been taught is healthy by the mainstream media is where your learning stops, then don’t expect to achieve great illness-free, authentic preventative health because they don’t teach proactive health approach, they teach reactive wait til you get sick & then act health approach. Begin to change your thinking to change your belief system about your body and health potential.2. When you change your (health & body) beliefs, you change your (health & body) expectations.Once you begin to expand your thinking, start to also seek out experts in areas of health & body who have shown & continue to show PROVEN ABILITY TO CREATE TRANSFORMATION RESULTS in their own health & body that you would like to emulate. Begin to sponge knowledge from them vs. what mainstream media claims leads to great health results, & you’ll in turn raise the bar on what you expect from your own health. You’ll see your new mentor/s are just ordinary people too like you, who decided to blaze their own health path about the quality of health they wanted to achieve for their life by taking the road less followed for their own health in life, and YOU CAN TOO – if you follow in their footprints.3. When you change your (health & body) expectations, you change your (health & body) attitude.Once your mind becomes opened by experts to your new health possibilities, you’ll have a renewed attitude & confidence about your abilities & empowerment around your personal health & begin to realize that anything you put your MIND to, your BODY can achieve -with the right tools in your toolbox. And THAT is exciting!4. When you change your (health & body) attitude, you change your (health & body) behavior.Now that you come to the table with a revitalized health attitude of possibilities & an arsenal from your health mentor, your entire being & behavior begins to shift because your mentor connects you with your own personal ability to achieve great results for your health, and as that continues to happen over and over, your self-efficacy GROWS & GROWS around your capabilities to manage your own personal health, as you transition into your own personal mini-health-expert!5. When you change your (health & body) behavior, YOU CHANGE YOUR LIFE.Now that you’ve achieved health & body mastery, you will begin to see an entire energetic, mental & emotional shift in your life that FAR EXCEEDS the physical. Yes, you will look & feel great, but the ways optimal health radiate outwards to all facets of your life will be astounding, as you attain a personal joy in life through health that you’ve never experienced before. No pills, no roller coaster of energy, no food cravings, no more blah approach to life, no more hiding from life within your own body,…you emerge a renewed person, ready to take on your full potential in this life.This list is the perfect example of why health coaching with experienced experts not only WORKS, but offers you AMAZING, permanent results you could never envision or achieve on your own. With the support of your coaches seasoned & proven mentality of success in health & body transformation, you develop a similar mindset, outlook & body of knowledge in order to reach external goals of physical health & body success!