The Automotive Industry and Global Trade

Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.

Save on Kitchen Remodeling Tips

No matter if you are looking to add convenience or value to your home – the kitchen is perhaps one of the best places to invest your money. There are lots of good kitchen remodeling tips out there on the Internet, but perhaps one of the best places to get more value would be to shop at your local home improvement stores.They always say timing is everything. Well, that is very true when it comes to shopping for those certain items that you need for your next kitchen project. There are certain times throughout the year that many of your large retail home-improvement stores will be closing out their kitchen improvement items.You can say this much is 60 or 70% on many items if you just shop around and wait for those times. That he may be thinking that you could just asked them however, they often will not tell you the information because they want you to buy something now.Some other great kitchen remodeling tips are to shop for used stuff. If you don’t have time to wait for great sales then you might want to consider buying used items for your kitchen remodeling project at second hand stores or garage sales.You would be amazed at how many things people put in garage sales and often times they are brand new and still in the package – you can save tons of money shopping around this way.This article has given you just a couple kitchen remodeling tips and it may help you to get started on your next project. One key is to make sure that you have a good plan laid out before you start doing any shopping so that you know exactly what you’re looking for.

The Only SR&ED Funding Guide You Need For Your SRED Loan on Your R&D Tax Credit

Although Canada’s Sr&Ed program seems to be going some changes in terms of application and adjudication of your claim the good news is that the ability to finance your SRED (SR&ED) claim is as straightforward as ever. Let’s explore some key basics around what you need to know to finance your claim and get a head start advantage on your ability to reclaim SRED funds.Put very simply, if you have filed a SRED claim there are a number of reasons to consider financing that claim for immediate cash. It’s a simple case of staying ahead of the game and monetizing your R&D tax credit now to accelerate working capital.There is no industry that is unable to finance a SRED claim – the program of course covers a wide variety of industries in Canada – many claims we see from clients are in the software and technology area, but virtually every industry has the ability to capture a SRED government grant that is of course, non – repayable.We should state however that SRED claims that are prepared by proper technical advisors tend to be easier and quicker to finance – that is simply because with that experience and credibility comes the assurance to your lender that your claim has a high probability of being approved in entirety or for the most part.That brings us to a critical point around the financing of the SRED claim, which is often our client’s most typical starting question – ‘Our Company has a SRED claim – how much can we get for it today?” SRED loans typically start out at 70% ltv. Ltv is an acronym of course in finance for loan to value, so we are simply stating that you can immediately borrow and receive in the range of 70% for your SRED claim. Naturally that 30% gap still remains with your firm to its credit, it’s simply that you don’t receive SRED loans for that remaining 30% which acts as a solid buffer to cover the probability that your claim might be adjusted by Canada Revenue Agency – it also covers off the financing costs.A popular misconception around SRED financing is that it is a loan – that is not the case in the technical manner that we as business owners view loans. A term loan, or short term loan for that matter adds debt to your balance sheet, and you make payments on a loan of course. SR&ED financing of your R&D tax credit is simply the monetizing of your SRED claim, with the claim as collateral – so your firm is incurring no additional debt. Also, the beauty of a properly constructed SRED financing is that no payments are made for the duration of the financing – The financing costs are netted out against your final cheque that you receive from Ottawa and your province. (SRED funds usually have two components, the federal and the provincial portion.)Sr&Ed financing is efficient and can happen very quickly – as a business owner you should view the entire process in the same manner as you would any other application for financing – example – leasing some equipment, etc.The key aspects of a SRED application are a copy of your SRED claim, a copy of your tax filing that you of course made at the same time as you filed you R&D tax credit, and typical information on your company, i.e. your financial statements. If for some reason you have made the decision to finance that claim after you have had your technical audit you are eligible for even a greater advance that our aforementioned 70%- however typically clients come to us when they have just filed a claim, or in some cases, are in the process of filing.Financing of your SRED loan takes a couple of weeks from start to finish, in our experience. So your strategy to finance your claim and receive cash for it can often be enhanced by planning early, which is always a good thing in any aspect of business finance.Speak to a trusted, credible, and experienced financial advisor in SR&ED TAX credit finance to determine how easy it is to monetize that claim and turn that non repayable government grant into cash flow that will accelerate your growth and profits.