Meet HGA Finance: What can Toby do for you?
We are pleased to have Toby Cowx on the HGA team to bring you and your business innovative financing solutions. If you have ever asked yourself any of the following questions, then a conversation with Toby may be the answer: 

• Do you want to sell, acquire, leverage up to increase working capital, or take Equity out?
• You are not sure how best to leverage your opportunities with the bank or need a solution outside of conventional lending.  Debt, Lease, or Equity, what’s your best option? 
• Do I need to provide a personal guarantee? Can I limit the amount I am personally exposed to? Are there alternatives?

These are all questions that Toby has helped clients solve, in Canada, in the US and even farther abroad.
If you'd like more information, reach out to Toby for a free consultation and he'd be happy to help.  

Black Heron Gym: Connect with your breathing!

Have you connected with your breathing lately? Do you sense it's shallow and mostly in your chest?  Learning to breathe deeply and gently is one of the most powerful ways to alleviate stress and help you to calm down, while also improving memory and concentration.

Take 5 minutes each day to focus on your breathing (I like to do this either first thing in the morning or last thing before bed). You can either sit or lie down, but make sure you are in an environment where you can relax. Allow your rib cage to expand with your inhale and on each exhale, think about relaxing a little deeper into your own body. Take note of how you feel before you start your breathing practice and again once you have finished.