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.

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.

Common Challenges in Workshop Jobs and How to Overcome Them

Workshop jobs can be rewarding, but they come with challenges. Recognizing these obstacles and knowing strategies to manage or overcome them can help you stay safe, effective, and happy in your work.

Physical fatigue and repetitive strain: Lifting, bending, standing, repetitive motions can lead to muscle soreness, fatigue, or even injuries like tendinitis. To mitigate this, take frequent small breaks, rotate tasks, use ergonomic tools, stretch before/after work, and maintain overall physical fitness.

Safety hazards: Exposure to sharp, hot, or moving machinery; welding arcs; chemicals; noise. Wearing appropriate personal protective equipment (PPE), following safety protocols, keeping the workspace clean and organized, and reporting hazards quickly are essential safety practices.

Tool and equipment maintenance: Poorly maintained tools can reduce quality, increase risk of accidents, or cause downtime. Regular inspection, cleaning, calibration, lubrication, sharpening blades, and replacing worn parts help maintain efficiency and safety.

Quality control and precision pressures: Clients or supervisors may demand tight tolerances, perfect finishes, minimal defects. Mistakes can cost time and money. Double‑checking measurements, maintaining clean environments, using proper measuring instruments, and adopting checklists help uphold quality.

Skill gaps and evolving technologies: New machines (like CNC, robotics), materials, or processes may require skills you don’t yet have. Keep learning via courses, workshops, tutorials. Be curious about new tools, software, and methods in your trade.

Time and productivity pressures: Deadlines, production quotas, urgent orders, or machine breakdowns may increase stress. Effective time management, organizing tasks before starting work, communicating realistic timelines, and keeping maintenance up to date help manage time pressure.

Communication breakdowns: Misunderstood instructions, unclear designs, or lack of feedback can lead to errors. Ask clarifying questions, take notes or pictures, review blueprints/designs beforehand, and maintain good relationships with team members and supervisors.

Health risks from exposure: Dust, chemicals, fumes, loud noise can have long‑term impacts. Use ventilation, masks, hearing protection, properly handle chemicals, follow safety data sheets, and undergo periodic health checkups.

Lack of career advancement: Sometimes workshop jobs offer limited growth if one stays in low‑skill roles. To advance, seek additional training, take on new responsibilities, mentor others, specialize in niche skills, or move into supervisory or technical design roles.

Low wages / job insecurity: Some workshop roles may not pay well initially or may be contract or temporary. Mitigate by building your skills, getting certifications, demonstrating reliability, and seeking stable employers. Negotiating or switching to better paying specializations can help over time.

Overall, though workshop jobs come with physical, technical, and logistical challenges, they also offer great opportunities. By proactively managing risks, continually learning, communicating well, and caring for your health, you can build a successful, sustainable career.