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Author: Abdul-Qadir

Why Customer Concentration Impacts a Business Sale Transaction
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Few owners recognize the major impact that customer concentration has on the sale of their business. Customer concentration represents a significant obstacle and will affect the salability, valuation, and deal structure of a business-for-sale transaction. Not only will it create problems in qualifying buyers but it will impact the ability for any prospective purchaser to obtain third party financing to complete the acquisition. Determining if customer concentration is present in an enterprise is a critical element of the succession planning process.

Customer concentration is a situation when one customer represents a significant portion of revenues or when the business has a very small customer base. Based upon the expert one consults, the exact percentage for a concentration to exist varies. In most cases it is recognized when one customer represents more than 10% of sales or when the top five customers comprise greater than 25% of a company’s revenue. In either situation, a huge risk is created from the lack of diversification and steps to mitigate it should be taken years in advance of a planned business exit.

When evaluating a business sale it is important for an owner to recognize that their client base has a significant impact on the enterprise value of the company. A broad and diverse base of customers where there are a large number of clients contributing to the business’ revenue will achieve a higher transaction value as it reduces the risk that a sizable decrease in earnings will occur if any one customer is lost or a particular industry segment that the business serves encounters economic distress.

In addition to a lower sales price, businesses with customer concentration issues are more difficult to market for sale. For main street business transactions (those with adjusted earnings of less than $2mm) third party financing is used in the majority of cases. Businesses with high levels of customer concentration are very difficult to get financed. Lenders may provide only partial financing, offer sub-optimal terms, or decline the loan altogether. In situations where third party financing is not available, the pool of available buyers is significantly restricted and the terms of a deal could be heavily weighted on a contingent earn-out based on retaining the revenues derived by the largest customers. “Typically we want no customer concentration over a 10% level when considering financing an acquisition. Higher levels are possible with much more explanation and supporting documentation but remain a major concern” states Steve Mariani, President of Diamond Financial Services.

Lastly, customer concentration will have a direct impact on the deal structure for the business sale transaction. Buyers will strive to bridge the customer concentration risk through a variety of delayed ‘performance based’ financing methods. For example: Assume both parties agree on a transaction price of $900,000 based upon $300,000 of adjusted earnings (a 3x multiple). If the key account in question represents $75,000 of the $300,000 this would represent $225,000 of the transaction price. A buyer will strive to isolate the $225,000 component to ensure that revenue is maintained post sale. After a period of 12 months, if the customer and income are still in place the seller would receive the funds. If the identified client and corresponding revenue was lost during this period, a pricing adjustment would be made.

In situations where the buyer is unable to obtain transaction financing due to customer concentration issues, the seller might have to accept a “contingent earn-out” for the revenues derived from the largest customers, or worse, they may also have to finance a major portion of the “non-contingent purchase price” negotiated with buyers.

Contingent payouts could be structured in a variety of methods:

Earn-Out:

Earmark part of the purchase price with payments made over a period of time contingent upon the retention of specific customers or achieving specific revenue targets.

Escrow:

A percentage of the acquisition price will be held in an escrow account for a specified time.

Seller-Financing:

The seller would be responsible for financing a major portion of the purchase price through a seller note. The seller note could be structured with contingencies for revenues derived from the largest customers.

With any of these deal structuring techniques, the seller cannot be expected to guarantee the revenue in perpetuity and if the transaction price is based upon retaining one or more key customers, the seller may require more active involvement in maintaining the client relationship during the term of the agreement. Obviously, this brings an additional complexity to the transaction.

In most cases, buyers will look to discount the amount they are willing to pay for a business (with high customer concentration) unless they receive assurances that the risk is low. While the obvious strategy to reduce customer concentration risk is to diversify and increase the business customer base, there are a number of situations where customer concentration either does not pose a significant risk or could be mitigated.

Customer Contracts:

Having a contract in place will not eliminate all of the risk of losing a key customer, but it will provide the buyer with security that the revenue and profits will continue after a change in ownership takes place. When customer contracts are involved, the ability to assign or transfer will be important to understand. In many cases, a stock sale vs. asset sale is elected to preserve these contracts.

Barriers to Entry or Exit:

Businesses could have intellectual property, product expertise, or patents that create competitive advantages barring competition. Others are located in geographically remote areas where the supply benefits discourage customers from changing the relationship. Lastly, there could be significant capital requirements for manufacturing and tooling or agency approvals (pharmaceutical or government contracting industry) that creates a barrier to entry from potential competitors.

Providing a Variety of Products and/or Services:

Having a broad relationship with a key customer where the relationship is not based solely on one product, one location, and one individual decreases the risk that a singular change will fundamentally impact the future revenue stream and continuity of the account.

Economies of Scale or Synergies:

The acquisition may be pursued by a strategic buyer where they are bringing new products/services to the enterprise, a broader geographic distribution footprint, or economies of scale in production. Any of these elements would assist in reducing the concentration of revenue risk that an identified key client would represent to the future organization.

Summary

Businesses which have high levels of customer concentration are inherently risky and it is important for the owner to appreciate this concern from the perspective of a potential acquirer. Ultimately, the buyer seeks only to retain the customers which have contributed to the success of the business and are factored in the valuation and transaction price. From the position of a buyer a few logical questions and concerns would be:
1. How does the value of the company change if a customer representing 10% or more of revenue and/or profits is lost in the first year?
2. How easy would it be for the client representing the customer concentration concern to leave the business?
3. What unique situations exist within the business to preserve the customer relationship in the years ahead?
4. What are the logical steps and corresponding costs to mitigate the customer concentration risk?
5. How do I achieve a win-win transaction? Protecting me, the buyer, against the risk of a near term revenue loss while providing the seller with the proper remuneration for the fair market value of their business?
While the risk may not be able to be totally eliminated, there are a number of situations where customer concentration is more palatable and a proper explanation should be provided to the buyer at the earliest opportunity. Getting out in front of this potential challenge is critical to achieve a win-win deal. When good communication exists, and two fair and reasonable parties are at the table, there are a number of structuring options available, when necessary, to mitigate the risk and negotiate a fair and reasonable transaction price. Obviously, the best approach for a prospective business seller would be to develop and implement plans to reduce any customer concentration elements years in advance of a business exit. Eliminating this type of risk is just sound advice for any small business owner regardless of whether a sale is contemplated.

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Source by Michael Fekkes

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July 25, 2022
The Secrets of Juicing: How To Heal Your Organs

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Do you ever feel like you want to eat more vegetables, but don’t know how to incorporate them in your diet? Well, juicing is the answer, people. Juicing is a great way to add a boatload of nutrients to your diet in a quick and efficient way. Drinking freshly made raw juice can help give your body extra fuel and a healthy boost.

Making the jump to juicing is an investment. We are going to let you in a secret, though. If you don’t want to buy a juicer, you can make fresh smoothies and get the same benefits (plus a bunch of dietary fiber) by blending all of the ingredients. But if you’re the kind of person that likes a smooth and light juice, go ahead and get a juicer.

Let’s be clear: juicing is not the only way to stay healthy. It also doesn’t balance out the junk food or processed foods you eat. Juicing is just a great way to channel your life in a healthy direction. Considering that most health officials say that it is good to get about 6-8 servings of fruits and vegetables every day, juicing can almost guarantee you those servings.

There are some awesome benefits of juicing, the number one being that it can help to nourish and heal your organs. Different vegetables contain vitamins and minerals that can be beneficial for your heart, lungs, kidneys, liver, and your skin. These organs are vital in carrying out your body’s primary functions. If one or more of your organs is functioning improperly, your body will suffer. This is where juicing or cleansing can come to save the day.

Not everyone is aware of all the benefits of every fruit and vegetable. It’s pretty hard to retain all that info. So we’ve decided to give you a few juice recipes that’ll help out your major organs, because they deserve all the help they can get. All you have to do is process the ingredients in a juicer and drink the juice. It’s that easy.

Heart Health Juice: 1 Apple, 1 Beet, 6 carrots, ½ Lemon (peeled), and 2 Oranges (peeled).

This juice is packed with vitamin C, which helps nourish tissues and build cells.

The Eye Opener: 2 Apples, 10 Carrots, and 2 Oranges (peeled).

Quick Tip: when you make this juice, or any juice, you can use fruits and veggies that are about to spoil, so you don’t waste them.

The Best Juice for Your Liver: 2 Beets, 2 Carrots, 2 Celery Stalks, 4 handfuls of Parsley, 1 Jalapeño, 6 Radishes, and 4 Plum Tomatoes.

This juice has a little kick from the radish and pepper, but it helps your liver flush toxins out of your body.

Summer Breeze: 4 fresh Basil leaves, 1.5 cups Blueberries, 2 pinches Cayenne Pepper, ½ Lime (peeled), and 5 cups Watermelon (diced).

This juice has all the best flavors of summer. Here’s a secret, the watermelon rind is great for smoothing out roughage in your colon.

Skin So Health: 3 fresh Basil leaves, 10 Carrots, ½ Lemon (peeled), and 4 Peaches.

This juice helps rejuvenate your skin. Add a little organic coconut oil to the juice for an added benefit.

When you are juicing, you can always add water because that’ll help your digestion, speed up your metabolism, and give your cells some extra fuel. Share some of your favorite juice recipes with us and don’t be afraid to get a little creative.

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Source by Vinnie Stevens

Views: 0

July 25, 2022
The Year Our Marriage Grew

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AT around our tenth wedding anniversary, we had a realisation.

The realisation we had was this: despite all the quality marriage counselling we had received from our wonderfully gifted and skilled marriage counsellor early on, we were, at that time, still not enjoying satisfaction.

We now knew the principles, but now we had to apply them. Knowledge of principles provides no satisfaction, only application provides satisfaction.

The year our marriage grew coincided with application. Instead of believing in concepts and talking about them, we decided to commit to working the concepts out in our marriage. This inevitably meant adapting the marital wisdom we had learned so it worked for our unique coupling, for our inimitable family structure.

We had had twenty counselling sessions, and I think our counsellor was at pains to say, ‘Go and do what we’ve been talking about; what I’ve been showing you’… initially it even got worse. It had nothing to do with the standard of our counsel – it was like growing pains in our marriage. Things tend to get worse before they get better.

Inevitably, we as partners had to learn to commit to each other in ways we had never thought we would need to. Our covenant to each other was solid, but we now had to commit to love this other person in ways that worked for them, not simply ourselves. Without even recognising it at the time, we began to accept each other like we had never done before. That is true love: unconditional acceptance at the deepest level. And it takes time.

The year our marriage grew was Year 4. Indeed, the previous three simply proved our commitment to each other. We hadn’t torn each other apart. But there were some horrible experiences. Whilst those first three years were unbelievably tough, they set us up as we pressed on into the hard work required in finding our way into the space of marital peace (which is punctuated with conflict that is managed well in the main).

My wife and I are believers in marriage; that marriage is not only wonderful but hard work. We believe, as we experienced, that counselling works; but not only that, there’s a limit to what counselling can do. I say that as someone who gives marital counsel.

It must be applied. There needs to be a time where a couple weighs anchor and begins the work of reconciling the problems on the high seas of their marriage. It can take years, but don’t be despondent. You learn to survive when it’s just you and your spouse. Sure, we all need tune-ups, prayer and support, but others’ help is limited.

This is what we learned: marriage seems best when the foibles of one are acceptable to the other. What seems like an easy concept can demand years of work to arrive at.

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Source by Steve Wickham

Views: 0

July 25, 2022
4 Little Known Secrets to Becoming a Profitable Affiliate Marketer

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Affiliate marketing business has gotten a lot of buzz in recent times due to advances in internet technologies and upsurge of social media channels like Facebook, Twitter, LinkedIn etc.

However, some affiliate marketers especially beginners struggle to earn profitably because they do not thoroughly understand the business.

WHAT REALLY IS AFFILIATE MARKETING?

Affiliate Marketing is the process of earning online commissions by promoting products and services. Your commissions are earned each time you get a lead (Potential customer) or sell products online.The interesting aspect of affiliate marketing business is that you can make a ton of money with a little monetary investment.

Furthermore, you can start the business without products or services of your own, work from home and earn passive income even while sleeping if you have an effective system in place.

HOW DOES AFFILIATE MARKETING WORK

Register under the affiliate program of reputable companies that have valuable products and services.

Decide on the niche products to focus on.

Get your custom affiliate tracking link for each product you decide to promote online.

Select the right traffic source to use in promoting the product.

Decide on the marketing strategy to use i.e Blogging, video or social media marketing.

4 MAJOR WINNING STRATEGIES TO INCREASE YOUR PROFITS ONLINE

Focus on a single niche at a time

You should choose a niche that you are both knowledgeable and passionate about. For example, Weight loss, Supplements, Nutrition, Pet training etc. This enables you to easily persuade your customers to buy your products. Also, this will allow you to learn and acquire new selling strategies that will increase your sales and multiply your profits.

Select traffic sources

It is recommended to focus on 2 traffic sources at a time. I will recommend focusing on one search engine and one social media traffic at a time. This enables you to properly track and optimize campaigns launched on each platform thereby maximizing your profits per product.The secret of super affiliates is their ability to focus on a traffic source, testing and tracking campaigns optimally.

Test marketing strategy to use

You can never know if either blogging, social media or video marketing will be most profitable until you test marketing strategies such as:

Blogging: You can write a blog post using well research keywords for search engine optimization. This attracts your clients to your blog and causes them to make a decision.

Video marketing; You can make a video describing the features of the product then you upload it on YouTube for people to watch.

Social Media Marketing: This is the commonest and the easiest method especially for beginners. Facebook is a very good platform because it has lots of groups/forums where you can find people who are interested in your product and service. You can easily send them a friend request and pitch your products to them.

Track the data/results gotten from each of the methods then you focus on the method that produces the greatest profit.

Select the traffic type

The traffic type can either be free or paid traffic.

Free traffic involves search engine optimization, social media groups, and article marketing. The drawback of this method is that it does not allow you to target your client based on their interests and demographics.

Paid traffic involves using Pay per click or Pay per view advertising on search engine and social media platforms. This method is faster, associated with increased conversion and profits because it allows you to target your clients specifically based on interests and other features.

Finally, affiliate marketing business is very lucrative and you can start becoming profitable today once you implement the strategies above.

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Source by Christopher Ugo Oseh

Views: 0

July 25, 2022
Choosing the Best Suboxone Doctor

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Addiction is a growing problem in the world today and it is very important that you find a solution as soon as you notice that you have an issue. For opiate addiction like prescription drugs or heroin, the Suboxone is the first drug that you may consider. The drug is effective in the treatment of opiate addiction symptoms. It works well because it is a partial opiate. This only means that has an opiate effect that is controlled. It is effective for people who are going through opiate withdrawal.

The treatment aids in decreasing the pain of the withdrawal symptoms and detoxify your body from any opiates that may be in your system.

Why you need to choose a Suboxone doctor

Suboxone is a very powerful drug, which has to be prescribed by a doctor who has been approved to administer it. You need to choose the right doctor near you. Before doing this, it is necessary to talk to your primary care provider who is very established in the treatment of addiction. This is the best person to direct you to any specialized doctors that you may need in the course of your treatment to ensure that you get well quick.

There are different directories that you can use to do a quick search and find the best doctor for your problem. You need to ensure that the provider is reputable and a doctor and he should also have a history of treating patients with your kind of addiction. There are doctors who choose to manipulate the process while others overcharge the services. Shop around to get prices and compare before making a decision.

The best thing to do is to list around three of the best providers. You need to ensure that they are in your area. Many of the clinics have very strict regulations about how many patients can be treated at one given time. There are many clinics that have to operate at full capacity and therefore you need to look at as many as you want before finding one that is ready to accept new patients.

The cost

The treatment prices can vary from one doctor to the next. It also depends on how much of the treatment you really need. Most insurance companies do not cover addiction so you may have to pay a great part of the fees or even the entire amount. This can be an expensive thing but can also save you a lot eventually because of the potential health implications that may befall you because of using drugs. The price is also worthwhile because you will not have to spend any more money on drugs.

Some of the doctors allow insurance, but they are rather hard to locate. It is for this reason that you should do as much research as possible to land the best deal ever. This may be the medication that you need to finally deal with the habit that can be very destructive. It is always better to deal with any kind of addiction sooner than later.

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Source by Shalini Madhav

Views: 0

July 25, 2022
Telecommuting: How It Supports A Green Lifestyle

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These days people are more interested in saving time energy, and ways to make their lives easier and more productive all at once.Our world is changing fast and sometimes it is hard to keep up.

Being a Baby boomer in a world filled with so many technical challenges to learn and keep up with can be a little intimidating. It is important though to familiarize yourself and try to keep up to date with how to stay connected without losing yourself in the mix. But working from home has improved my overall attitude about work, and has helped me to be more productive, and creative while at the same time helping to do my part in working towards a Greener way of living.

How I am benefiting from working at home

First I am saving money on gas every week! And although the price of gas has gone down, I am taking that money that I saved, and putting it towards investing in my business. I choose my own hours to work and by working in blocks of time, I can manage to get many things accomplished in an allotted amount of time, and also take breaks and a walk or do some yoga stretches in between.

Eating a healthy meal through the day is important to me being vegan, and health conscious of what I am feeding my body as well as my mind. I can eat at leisure setting a block of time, just for eating as well as for breaks and I still get everything accomplished in an efficient and timely manner. Still being professional and at the same time taking good care of myself, so I can work at my optimum best.

Telecommuting can ease the stress of having to commute back and forth to work in bad weather. It will definitely save some wear and tear on your vehicle and tires and save the time it would take to get back and forth from work. It can also save you money on dry cleaning costs!

Another great reason to work from home and help support a green lifestyle, because dry cleaning uses Perchloroethylene, a toxic chemical that is very harmful to our environment, and if you are concerned with helping reduce toxins you can look up where to find a green dry cleaner in your area instead.

Working from home enables you to work for longer periods and more comfortably by being in surroundings that are stress-free and conducive to your overall benefit. Create a workspace free of clutter. Make sure you have some water to keep hydrated. Have all of the tools and implements you may need close by to help you work efficiently, and so you do not have to keep getting up and down. Turn off all distractions unless some soft music in the background helps. And enjoy creating those masterpieces!

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Source by Debbie Frye

Views: 0

July 25, 2022
5 Ways How Outdoor Adventure Relates To Entrepreneurship

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When I first braved myself to embark on the entrepreneurship journey, I was soon facing a daunting question: Do I have the qualities to be an entrepreneur?

I am purely an outdoor educator. There were numerous instances when people told me that this passion of mine will not bring me far. But here I am, until today, staying stubborn passionate with this hobby of mine.

So I did take a step back to analyse if I have what it takes to be an entrepreneur. And I found 5 key qualities. Here they are:

1. Decision Making

Being in the outdoors requires me to make decisions. This is especially so when I have a group of participants. There are countless decisions to make before, during and after a programme.

For example, have I sorted out all the contingency plans? Have I brought sufficient food and equipment?

As an entrepreneur, I have to make countless decisions. No one is there to tell you what to do.

2. Risk Taking

I have to be used to take risks in the outdoors. If I do not risk falling, I will not know how high I can climb. If I do not risk making a wrong decision at a junction, I will not know if that is even the correct path to take.

I have started out a few businesses. Some worked while some failed. But still, I will not have known all these if I had not tried.

3. Safety Mindedness

However, people often misunderstand that being a risk taker means that we do not bother about safety. In the outdoors, the safety factor has actually been considered multiple times.

A climbing rope, for example, could withstand about 12 times more than an average climber’s weight. Safety procedures are everywhere. Where there is none, we are taught to make conservative judgement calls.

The very reason why I do not focus only on one single business is based on the wise saying: Do not place ALL your eggs in one basket. There has to be a safety net.

4. Perseverance

This is a classic nature of an outdoor adventurer. We are used to toughing it out. We know that words don’t count without actions. And the effort required is normally superhuman. We are trained to go the distance.

No one ever said being an entrepreneur is easy. It took me 6 months before I made my first dollar. Thankfully I have been trained to persevere.

5. Creativity

Facing problems is a staple diet of an outdoor adventurer. No one day or one activity is the same. Hence, we have to always think outside the box. Speak about being a maverick. I myself am amazed at what I or my participants do to solve problems.

I started out with minimal capital. Hence, I needed to be creative in planning my effort, energy and money. Be creative in using the many Softwares work for me instead of the other way round.

These 5 qualities inherent in an outdoor adventurer definitely fits the bill of being an entrepreneur. Well, if you lucky, you could turn the passion into your profession. If not, you sure would have picked up enough tools to run a business!

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Source by Ahmad Bahktiar Othman

Views: 0

July 25, 2022
Drug Rehab Centers – Treatments Offered

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Many treatments are offered in drug rehab centers. Most of the treatments start with detoxification and progress from there. Some may be prescribed medication to help them as they work through other different forms of treatment. This can include counseling and behavioral therapy. What treatment is offered in drug rehab centers will depend on the training of the personnel, the facilities the center has, and the center itself. For drug-addicted patients, no one treatment is effective for all of them. The treatment that they receive is not based on the drug they are addicted to but based on the capacity and needs of the patient.

Detoxification

Generally, this is the first step, which involves cleansing their body of all toxins, especially the substance or substances they are addicted to. When in detoxification, there is a withdrawal phase from what they are addicted to and it is unpleasant. In some instances, it can be fatal. When the patient is undergoing detoxification, they are closely observed and may be prescribed certain medications to help them during the toughest parts. This process of detoxification can take as long as three weeks but may take longer. It depends on the individual.

Formal assessment

After detoxification, the drug rehab centers will do a formal assessment. The assessment includes recommendations about other treatment that will be needed. It is often a complex process. Substance abuse will often involve treating both psychological and physical illnesses and symptoms. In addition to being weaned off the substance that the patient was addicted to, if they use drugs to deal with the symptoms of a psychological disorder must also receive treatment for that disorder. This is necessary if they want to have a chance of not having a relapse into substance abuse.

Group therapy and individual counseling

Both of these can play a role in treating psychological illnesses. These illnesses may also be helped by legal prescription medications. One type of counseling that is usually offered in drug rehab centers is behavioral therapy. Those that are addicted may have developed a habit of taking these drugs in a certain setting or at a certain time of day. With behavioral therapy, the counselors attempt to help the patient realize that they can break these habits and function without the drug they are addicted to.

Along with the different treatment options these centers offer various treatment settings and lengths of time spent in the drug rehab centers. The drug rehab centers also need to have the capacity to treat withdrawal symptoms while the patients go through detoxification so they may provide hospital-level care. The treatment they receive can be done as an outpatient, inpatient, or on a residential level, long term of a year or more, or short term of six weeks or so.

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Source by Lora Davis

Views: 0

July 25, 2022
The Difference Between Good Success and Bad Success

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Do you desire to be a good success here on this beautiful earth?

Do you need the secrets that can ensure you record good successes in everything you do?

If you answer YES to these questions, then i believe you need to know the difference between good successes and bad successes

“This book of the Law shall not depart out

of your mouth, but you shall mediate therein

day and night that you may observe to do

according to all that is written therein: for

then you shall make your way prosperous,

and then you shall have good success” – Joshua 1: 8 (KJ2000).

The first time I read the above portion of the bible, I was inspired to understand that, there is a good success and a bad success.

Nothing support this fact other than the passage quoted above from the Scripture. The Word of God says if “you will hearken to the Voice of God, Obey His Commandments, Study and Meditate daily on His Word, you will have good success”.

The Word of God qualifies the noun “Success” with the adjective “good”. This simply means you will not have a bad success if you follow God’s rules during your success journey in life.

What then, are a good success and a bad success? How do you differentiate a good success from a bad success? How do you recognize someone with a bad success and someone with a good success?

Good Success

I have tried to carefully study the lives of people in the bible days and those of present times and I found out that there are actually some people with good successes.

I was able to reach a conclusion using my definition of success stated earlier on as a basis of analysis.

God

God Almighty enjoyed good success during the creation of heaven and the earth. He actually set the pace at creation, showing us how to obtain good successes in whatever we do.

“And God saw everything that He had

made, and behold, it was very good.

And the evening and the morning were

the sixth day.

-Gen 1:31 (KJ2000)

There were lots of obstacles which stared HIM in the face when HE was creating heaven and the earth but HE never allowed them to stop HIM.

“And the earth was without form and void and darkness was upon the face of the deep. And the Spirit of God moved upon the face of the waters”

-Gen 1:2 (KJ2000)

Yes, even a formless earth and the darkness would not prevent Him from achieving His aim.

“Let us make man in our image, after our likeness:

and let them have dominion over the fish of the sea,

and over the fowl of the air, and over every living thing that moves upon the earth.”

-Gen 1:26 (KJ2000)

He also transferred His “breath of Life” into Adam for him (Adam) to become a living soul.

What a loving and selfless God who strongly desired somebody to act like Him

There are countless numbers of people in the Bible who had good successes: Jesus, Moses, Apostle Paul, King David, Joseph, John the Baptist, Abraham, Isaac, Jacob all had good successes.

One thing is however, common with all these people and that is the fact that they fear God.

“The fear of the Lord is the beginning of Wisdom:

and the knowledge of the Holy one is understanding.

-Prov 1:10 (KJ2000).

You can become a child of God by accepting Jesus as your Lord and Savior and begin to live a life that has the fear of God.

You can expect to record good number of good successes in your lifetime as you do this.

Bad Success

I may not need to bother you with the stories of people who recorded bad successes in the Bible or even in our societies today but you will observe with me that this set of people also have something in common – they lived a Godless life.

You can study the stories of Pharaoh, the king of Egypt when the Israelites were in bondage in Egypt.

Cain who killed his brother Abel (Gen 4:8)

Herod the king who ordered the killing of all new born babies when Jesus was born (matt 2:13-23)

Satan who fell from grace to grass because of pride (Luke 10:18)

Judas Iscariot who betrayed Jesus ( Matt 26:36-46)

These People all recorded bad successes. One thing is also common to these people: they lacked the fear of God.

My dear reader, I want to believe you desire to be a good success. You need the fear of God in you to be successful in all you do.

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Source by Sesan Oguntade

Views: 0

July 25, 2022
How Online Entrepreneurs Can Make Money Online With a Website

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Starting an online business can be freeing if the entrepreneur knows what they are doing. But what does a new entrepreneur do if they are not experience in online business? The key to an online business is to leverage how to make money online with a website.

The online business website is the heart of any Internet-based business and all detailed pertaining to the website need to be handled with care. Therefore, online business owners should take special care to create a website in a profitable market (also known as a niche), market the website properly using traffic generating techniques and have calls for action so that consumers will follow through with purchases.

Read on for a break down of the previous steps for more detail.

Selling products using your website

Online entrepreneurs have millions of online products that can be marketed that will translate into paid commissions. Companies like Amazon, Wal-Mart and Target use affiliate marketers to help promote their products and drive Internet traffic to their web pages. It is common for online entrepreneurs to earn commissions If a purchase is made, because a consumer clicked through to the Amazon page through the entrepreneurs marketing web page.

Decide on a market or niche

Now it is time to decide what type of products the online entrepreneur would like to market in. The online marketer will decide what specific market they are going to operate in. For this article, let’s say the online entrepreneur chooses helping coaches find the right baseball gear for their teams. Many of the major retails deal in baseball gear and have affiliate marketing programs that online entrepreneurs can take advantage of.

Create a website

At this point the online entrepreneur will create a website that will be used to market various baseball products through affiliate links to the retailers’ home site. The website should be clean and be in a layout that is suited for the consumer to find information easily.

Drive traffic to the website

Here is where the online entrepreneur would need to decide. Should organic traffic techniques be utilized through SEO optimization? Or should traffic be sent to the marketing website using pay-per-click technique. The pay-per-click would be the fastest way to get traffic to the website. The problem with pay=per-click is that sending traffic to the website can be expensive. Most online entrepreneurs choose the route of getting free traffic using SEO Optimization. Building traffic through SEO takes time.

Convert traffic to purchases

Now that the online entrepreneur has traffic, it is time to convert that traffic in to purchases. This is where the vendor weblinks come into play. The goal is to tweak your SEO Optimization so that most visitors are wanting to buy. Work on the SEO content to get your purchase-to-traffic conversion rate to 20%. That is the low end of what a conversion rate should be for a niche webpage. Try to get higher if possible.

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Source by Douglas Quinn

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July 25, 2022