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Use an Anatomy Study Guide For Improved Success

If you’re taking an anatomy course, you probably have already seen the need for an anatomy study guide. Anatomy is a very hard topic, and it’s something that most of us only have a very limited understanding of before we end up taking a course in it. There is a lot to learn and memorize, and a lot of important details to remember and differentiate between. Therefore, finding the right tools to help you out, such as a college anatomy study program, can make all of the difference in the world.As mentioned, anatomy can be a difficult course to succeed in, particularly when you’re taking it at the college level, where the expectations and the difficult of the material have both been raised. As opposed to something like English or math that you’re exposed to on a day to day level, most people only know the very basics about the human anatomy before they take the class. This means you’re at a deficit compared to some other courses and you have a lot of ground to make up for.Additionally, anatomy is filled with names and processes you have to memorize. You need to know body parts and muscle groups, system names and organs included in them along with their functions and much more. The human body is extraordinarily complex, which means that anatomy as a class can be extraordinarily complex as well.For all of these reasons and more, an anatomy study guide will really come in handy. You will be able to take advantage of tools, tips and programs that will help you master the material. You’ll learn how to differentiate between facts, body parts, processes and more that you’ve been struggling with, and ultimately you’ll learn the material in less time and with less effort.A college anatomy study guide will be designed specifically to help you succeed with the rigors of a challenging university level anatomy course. You’ll be able to gain insight both from students who have come previously, as well as professors who have taught the subject and experts in the field who work with the material every day. With all of these resources joining together to help you out with the same program and guide, you’ll be able to quickly improve upon your base of knowledge, and you won’t have to stress out about the upcoming test, paper, assignment or exam.Don’t try to tackle this difficult subject on your own. You can make your life so much easier simply by turning to a proven anatomy study guide. Learn from others who know the tricks to mastering the subject, follow the advice of experts in the field, and find helpful resources and guides to help enhance your knowledge as easily as possible. You will spend less time studying, you’ll stop your struggles and frustrations and you’ll end up getting a great grade in your class.
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Smythe Adapts to Working from Home

As the world around us continues to adapt to a new sense of normal in light of COVID-19, we at Smythe LLP (Smythe), recently sat down (virtually) with Kendall Hanson from CHEK News to discuss how we’re adapting to working from home and what is means for us as a firm, as well as the communities we live and work in.

Although we may be smack dab in the middle of our busiest time of year, things at Smythe are still business as usual – with a few notable exceptions.

The first, and probably most obvious, is that nearly all our staff have now transitioned to working from home.

“The first week of office closures and having everyone work from home was definitely a week of transition, but I think everyone’s really quickly adapted to it and gotten used to it and a lot of people are really enjoying it,” said Partner, Trevor Topping.

During a time where our offices would normally be a buzz with client visits and meetings, our offices are now closed to the public and a skeleton crew has been put in place to ensure clients are able to safely drop off necessary files and mail is being received and sent out.

To read the full article and to hear what Trevor had to say about Smythe’s new normal, click here.

For more information on our response to COVID-19, or to learn what support is available to you, please visit our COVID-19 Resource Centre, or reach out to your Smythe Partner directly.

Cash Flow Management

Given the current economic uncertainty, effective cash flow management will be critical for the success of many businesses. This will likely involve a combination of:

Managing working capital levels
Managing discretionary expenses
Obtaining additional financing

Working capital management can take the form of:

Implementing Credit Policies
By implementing credit policies with your customers you can speed up the collection process. This could include requiring upfront deposits, reducing the credit terms or offering incentives for early payment. Always ensure you follow-up on overdue accounts.
Utilizing a Just-in-Time Inventory System
Unless it will hurt your ability to sell, don’t carry extra inventory.
Using Credit Terms to your Advantage
Unless they are offering worthwhile incentives, don’t pay your suppliers until it is necessary.

A tool that should be utilized to help with managements’ decision making, is a cash flow forecast. This will help you assess the impact of working capital and expense management decisions, as well as determine whether additional financing will be required.

If you decide that you need to obtain financing (see below), it is likely that the lender will require a forecast as part of the application process.
Obtaining Additional Financing

As part of the economic stimulus package, the Government of Canada is working to ensure businesses have access to traditional financing, from both the government and private lenders.

Among the products being targeted to COVID-19 relief are:

Working Capital Loans
Funds to provide working capital for the operations, and cover general operating expenses, as opposed to capital purchases or expansions. There are currently programs in place where loans can be approved within 48 hours or maybe available without any payments for the first six months. BDC loans of up to $100,000 can be applied for online.
Loan Guarantee for Small and Medium-Sized Enterprises
As part of the Business Credit Availability Program, EDC is partnering with financial institutions to guarantee 80% of new loans or credit requests up to $6.25 million for small and medium-sized enterprises. Financing is meant to be used for operating costs and is available to exporting and non-exporting companies. The idea behind the program is to encourage additional funding from banks as the EDC provides a re-payment guarantee of 80%. This program is now available through your bank or credit union.
Bridge Financing Program
Offered through BDC Capital, this special program may match (with a convertible note) a current financing round being raised through qualified existing and/or new investors made into eligible Canadian start-ups. This program is best suited for high-potential companies that have venture capital investors willing to support them. BDC will then invest alongside these groups. There are separate criteria for both companies and investors who wish to take advantage of this program – for full details, click here.
Term Loan and Lease Payment Relief
Ability to delay payment of principal for up to six months on existing loans.
Increases to Existing Line of Credit
Financial institutions are providing increases to the borrowing limits on existing lines of credit.
Purchase Order Financing
Flexible terms are being offered to ensure existing and future orders can be fulfilled.
Buyer Financing
Export Development Canada is providing buyer financing and direct financing for international sales to ensure Canadian businesses are able to participate in international trade opportunities.

If your business requires cash flow management or additional financing, please contact your Smythe Partner directly as additional reporting may be required. Our team can match your business with the appropriate product and guide you through the process and provide financial information to the lending institutions.

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Use an Anatomy Study Guide For Improved Success

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Smythe Adapts to Working from Home

Cash Flow Management

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