Dun and Bradstreet Ratings {awesome|amazing|Great|Special}

Dun and Bradstreet (D&B) ratings are like a good housekeeping sign of approval for businesses. D&B is probably the best known business reporting agency in the world and its ratings are coveted by businesses and examined closely by financial institutions and investors who want to know the financial health of any business. The Dun & Bradstreet rating is prepared by an exhaustive examination of financial records, statements and dealings of the business with its customers, clients, investors and shareholders.

D&B’s rating offers companies an opportunity to build their business credit, mitigate credit risks from other businesses, and ultimately improve their cash flow as well as the ability to enhance profit. D&B offers a number of other tools in addition to the basic rating which allows businesses and financial institutions to make good decisions based on data and not just on guess work.

The Dun & Bradstreet Rating measures a company’s business credit rating against others in the same field as well as companies operating in different countries and different continents. The rating provides data on the net worth or equity of the business and then sorts these companies by the number of employees to reflect the overall creditworthiness of the business. It also measures both financial stability and the company’s payment record, public filings, trade payments, business age, and other factors in order to produce the most comprehensive report on a company’s creditworthiness that exists anywhere in the world.

Other subsidiary products that augment the rating are the Paydex Score, the Financial Stress Score and the Commercial Credit Score. The Paydex Score is a report and score that evaluates the payment record of a business to its suppliers and vendors. The Financial Stress Score makes a prediction on the possibility of a company having to file for bankruptcy during the next year. The Commercial Stress Score evaluates the likelihood of a company making a late or delinquent payment during the next twelve months.

All of these additional information products still play second fiddle however to the Duns rating. This one rating can not only assist or prevent a business from receiving a business loan or an extension to a line of credit but can also cause investors to vanish or panic, suppliers to cease shipments & or vendors to refuse to stock products. In other words, keeping a good D&B rating is essential to the successful operation of any business. Many businesses, large and small have risen and fallen based on the rating. Smart companies keep one eye on their balance sheet and the other on maintaining a good D&B rating.



Source by David Gass

Orchid Types for Your Home {awesome|amazing|Great|Special}

Some of the most interesting plants that you may find at your local nursery or home improvements garden center is the orchid. The orchid is an exquisite flower and very unique as it stands out among the rest of the flowers that are available to purchase. The orchid usually has one long stem which has one large blossom to multiple small blossoms at the top. There are many different orchid types available today.

The beautiful orchid has graced our world for many centuries. Today the varieties of orchids exceed 25,000 and the number of hybrids is well over 100,000. The number of hybrids is continuously growing due to the orchid lovers are creating new and more interesting flowers. The reason to create hybrids is to increase color, design and durability of the plant. By durability, meaning how easy is it to grow, making the bloom last longer, and be less susceptible to dying from under watering. These are the orchid types that are available to purchase in the nursery.

Every orchid comes from one of two very large families. One family is called the Terrestrial and the other is the Epiphytes. Within each of these families, the different orchid types will vary. The two groups are based upon where and how the orchid grows. The first family, the Terrestrials, is the orchids which we normally see and many of the orchids grow their roots beneath the soil although some may grow their roots above and below the surface of the soil. The term for this particular species is called semi-terrestrial.

One of the more common orchid types within the Terrestrial family is the Cymbidium. This orchid was one of the first of the orchid types to be cultivated and brought into our homes. These orchids can be found in the regions of Southeast Asia, Japan and Australia. The Cymbidium should be planted in a mixture of soil and rock and is one of the more popular orchids. One attribute of the Cymbidium is that this is one of the very few orchid types that can withstand cooler temperatures.

The second of the two orchid types is the Epiphytes. These orchids grow with their roots exposed to the elements and can be found growing in a multitude of different places such as on trees and in rocky areas. Due to the places in which these orchids live, they offer a higher number of seeds to ensure that they are disbursed successfully by wind as well as animals and insects. When an orchid grows on a tree, its roots will obtain the needed moisture from the bark of the tree. The Epiphytes are easier to grow than the Terrestrial’s due to the fact that the watering process is much easier.

There are over 1,000 different Epiphytes today and each one is just as beautiful as the next. These orchid types are typically found in the more tropical areas like Australia, Polynesia, Southeast Asia and Northern India. Out of these orchid types, the Dendrobiums are the most common but do not bloom as often as we would want them to.



Source by William G Cintron