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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
Wisdom For Living

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Do you have wisdom? Wisdom is the key to successful living on earth. Lack of it is to be groping in the dark and be surrounded by great woes, wailing and destruction. Wisdom makes the difference between success and failure, life and death, poverty and prosperity, health and sickness. Possession of wisdom is to possess life.

“I, wisdom, dwell with prudence, and find out knowledge and discretion… I love those who love me, and those who seek me diligently will find me. Riches and honor are with me, enduring riches and righteousness… The Lord possessed me at the beginning of His way, before His works of old… Then I was beside Him as a master craftsman; and I was daily His delight, rejoicing always before Him… – Proverbs 8:12, 17-18, 22, 30 (NKJV).

The Lord founded the earth by wisdom (Proverbs 3:19) and so man needs wisdom to be able to occupy her successfully. Wisdom is the principal thing to possess in order to enjoy living on earth. Every challenge in life is basically a wisdom problem and to have wisdom for any challenge is to have 50% of it solved.

Wisdom was God’s master craftsman in creation. He utilized wisdom to successfully create all we see, use and enjoy. With wisdom you have prudence, knowledge and discretion; a complete package that will help you not to stumble or make mistakes in your words and action.

The choices you make are measures of the wisdom available to you. The more the wisdom you acquire the better your choices and the outcomes you get. It is your responsibility to go for wisdom in all areas of your life. You need wisdom to live a victorious Christian life and also to live every phase of your life very well and remarkably: as a child, student, worker, spouse, parent, friend, leader, neighbour, colleague, group member, boss, employee and client. The list can go on and on. Your level of wisdom will affect your relationship with others and so is important that you possess it.

Your tomorrow is a product of your application of wisdom today. The wisdom seeds you plant today grow and add up to give you a glorious future. The wisdom steps you take today will take you to your ultimate peak tomorrow. The prize you pay today to get wisdom cannot be compared to the returns that will come to you in future. The outcome of wisdom is worth all you have to put in or sacrifice to get it. The success of your life depends on it, so go for the wisdom for living.

The word of God (The bible), which is the bag of wisdom seeds, has all the wisdom you need to live a triumphant life on this earth. Search the word for them, for whoever finds wisdom finds life and obtains favour from God.

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Source by Ngozi Nwoke

Views: 0

July 25, 2022
Starting a Woodworking Business With Little or No Related Experience Will Require a Proven Plan

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If you have little or no woodworking experience it is possible to start a profitable business in this trade. There are guides available on the internet that will give you step-by-step instructions on how to start-up such a business.

To start your woodworking business you will need a materials list that help you access wood and tools from local sources. These materials and tools will have to be affordable and of good quality. Having a resource to guide you with this challenge will help you save time and money. Materials that you will need, do not have to be from the local hardware store. Some of these materials can be found at a garage sale. I know a person who found a pile of two-by-fours that a home owner left on his curb. This wood was pine. He made this pile of discarded pine into a picnic table and sold it for $250.

There are a number of steps to consider when starting a woodworking business. The key to starting such a business requires a proven plan. You need to know what types of products to build and will give you consistent sales. The types of woodworking project you get involved in will be determined by the area you live in. Oe course knowing what your potential customers needs are will go along way with regards to making sales.

How to build these woodworking projects, in a timely and cost-effective way, will while require that you master certain woodworking skills. Of course you will need to learn which types of tools to purchase that will make constructing these various woodworking project in the most efficient manner

This knowledge of how to use these various tools can be found on the internet. These various tools need to be used with safety in mind, Various tools you will to learn how to use complete you woodworking projects can cause serious hard to your body if used in a safe manner. A proven woodworking resource will teach how to use these tools in a safe manner

These tools will be critical in completing these various projects in a timely and cost-effective manner. Such tools will include a circular saw, chisel, hammer, drill, various drill bits, impact driver and even a miter saw. Of course you will need a place to work such a backyard shed.

Of course you will have to consider what types of wood you will be using to construct your woodworking project. Certain types of wood are more to certain projects than others. Good woodworking plan will help you to make the best choices with regards to this.

Whatever woodworking project you decide to start your business with, will require some planning. Having a proven woodworking plan to start this endeavour would be a good step.

Best Regards

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Source by Paul Luciw

Views: 0

July 24, 2022
Emotional Self: Do Some People's Childhoods Set Them Up Disconnect From Their Emotional Self?

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Although human beings are made up of many different selves, such as an intellectual and an emotional self, it doesn't mean that everyone on this planet is in touch with each of these selves. If someone is in touch with each part of themselves, it could be said that they will be operating as a whole human being.

One will be able to think clearly and they will be in touch with their feelings. Through being this way, it will be possible for them to not only perform a certain job well, they will also be able to form deeper connections with others.

One Benefit

This is because their emotional self will be what allows them to truly connect with others, whereas their intellectual self alone is not going to allow this to take place. Furthermore, their emotional self will also provide them with guidance.

So, when it comes to whether or not they should do something or if they should say yes or no, for instance, this part of them will give them the information that they need. This part of them will tell them what their needs are.

It Doesn't Stop

One way of looking at this would be to say that their emotional self is their inner guidance system. No matter what time of the day it is or where they are, this part of them will always be there.

To live a fulfilling life, it will be essential for them to listen to this part of them and to utilize the information that it provides. Going against this part of them is only going to cause them to suffer unnecessarily.

Off Track

If one was to look back on their life, they may see that there have been times when they have ignored this part of themselves. Consequently, it might not have been long until they paid the price.

Then again, there may have been a time in their life when this was just how their life was, meaning that ignoring themselves was normal. They are then going to be only too familiar with what it is like to ignore this part of themselves.

Inner Directed

Being this way doesn't mean that one will completely overlook other people needs; what it means is that they won't be interested in living a life where they ignore their needs and are totally consumed with other people's needs. Putting their own needs to one side from time to time is going to be radically different to always doing this.

Also, being connected to how they feel doesn't mean that they will constantly be expressing how they feel, either. They will realize that there is a time to express how they feel and a time to keep how they feel to themselves, containing what is taking place within them.

Another Reality

If someone isn't in touch with their emotional self, only having a connection to their intellectual self, they are not going to be operating as a whole human being. As a result of this, they probably won't have a very good connection with their body.

There is then the chance that they won't have trouble thinking clearly, but that it will be a challenge for them to connect to how they feel and to know what their needs are. When they are at work they could be fine, yet when they are around others, it could be a different story.

Unaware

Due to being out of touch with their emotional self, their connections with others are unlikely to be very deep. And if they are in a relationship, their partner could often tell them that they are distant and even emotionally unavailable.

Still, one could be out of touch with this part of themselves and not even realize it. There can then be moments when they feel empty, and they may see that they don't feel strongly connected to anyone, but it doesn't mean that they will look into what is going on.

Enough is enough

If someone like this was to get to the point where living in this way was too painful, no longer wanting to feel cut off from themselves, others or even numb, they could end up looking into what is going on. What they could find out is that the reason they are experiencing life in this way is because they have experienced trauma.

Disconnecting from their body, along with their emotional self in the process, was a way for them to survive what happened to them. Thus, in the same way that they would leave an environment if it was dangerous, they left their body as it was too painful for them to inhabit it.

In The Past

This may relate to what they have been through as an adult or it could go back to what took place during their early years. If it goes back to their early years, there is the chance that they were abused and / or neglected.

This would have been a time when they were not equipped to deal with a lot of pain, yet their whole system would have felt overwhelmed on a daily / weekly basis. The only way for them to handle this pain would have been to leave their body.

Awareness

What kept them alive as a child is now going to be making their life harder than it needs to be. Even so, this is not to say that one should try to dive into their body and to deal with the pain that is there.

For one thing, this approach could end up overwhelming them, but, as they have been out of touch with their body for so many years, it is highly unlikely that they will just be able to get back in there. Getting back in touch with this part of them can take a little while, irrespective of how committed they are.

If one can relate to this, and they want to become an integrated human being, they will probably need to reach out for external support. This is something that can be provided by the assistance of a therapist or a healer.

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Source by Oliver JR Cooper

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July 24, 2022
Your Personal Healing Journey

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As you journey precious New Year Healing Moments are within your grasp.
Can you believe another year has come and gone? After the busy Christmas and new year celebrations are over is a great time for personal contemplation and resolve. You have most probably, already indulged in retrospection and re-evaluating some of your life choices.

Are you looking forward to beginning a year of opportunities and ground-breaking possibilities? Can you see today as if it were a new-born? Will you choose to dress your new born year, with zest and enthusiasm?

"To every season there is season, and a time to every purpose under heaven: A time to be born, …" ~ Ecclesiastes

Each bright day is given to you and I to live with renewed vigor – to daily grow and try to be your best and highest self. Don't wait to respond to your thoughts and impulses.
May this year be full of love, laughter, happiness and good health!
Can you react to your longings and dreams? Can this day, this year, be filled with precious moments? Don't wait!

If you are looking for effective ways of changing your life for the better, then you'll be sure to find useful information in the following Fifteen Precious Moment Ideas:

1.Get In Shape:

It's easy enough to start an exercise and diet program, but the trick is to find one that will give you results and that you will stick to over the long run.
2. Eat Healthier Food and Less Overall:

With dedicated determination (Even though you are surrounded by cheap junk food) you can slowly develop healthier eating habits.

3. Become More Active:

You may or may not have a big weight problem. Nonetheless, you need is to find ways of moving around more throughout the day instead of simply setting around or staying hunched over the computer or in a soft chair using your mobile phone.

4. Quit Procrastinating:

The biggest barrier that keeps most people from reaching their goals is relaxing and doing fun things and not work on their goal. Once you get used to procrastinating it's difficult to snap yourself out of it and change your bad habits.

5. Improve Your Concentration:

Finding ways to focus and stay focused is a constant challenge. It isn't easy and requires a daily effort to the task you have assigned yourself. This is one of those – if it is to be it is up to you.

6. Be Sociable And Outgoing:

Don't get stuck in a rut of staying at home most of the time. Or if your condition doesn't allow you mobility seek the companionship and sociability of others. Meeting with old friends or new people can be beneficial to your mental well-being.

7. Reduce Stress:

Stress is one of the biggest people killers causing strokes, heart attacks and death. It can have very destructive on your health. Some stress may be an unavoidable side effect of our hectic modern lifestyles. However, it can be effectively managed. Seek all sources for effective stress control and then introduce effective stress management into your daily action plan.

8. Learn To Be Happier With Your Life:

Attitude is such a powerful empowerment. Is your glass usually full or are you regularly on a petty party? You can control your happiness. It takes time and patience to learn how to find joy in the little things and not to let problems bring you down. Try counting your blessings naming them one by one.

9. Spend More Time With People That Matter:

One of the most difficult challenge you may face is to disavow your association with the wrong people. There is just too little time in this life for us to waste it on insincere, duplicitous and toxic people. You should focus on the people who care about you deeply, as this is the best way to stay happy.

11. Reinvent Yourself:

In Life it is often essential to re-boot your life. If you don't feel quite happy no matter what you do, it is perhaps time to make some serious changes in your life. Reinventing yourself can give you a whole new perspective on life and take you in directions you may never have dreamed were possible.

12. Learn How To Be More Self-reliant:

Technology, government programs and handouts offering cheap ready-to-eat food and all manner of useful tools have made us somewhat spoiled. We often get well into adulthood without having what it takes to be independent. You can learn from the disabled a great lesson on how to fend for yourself. Do what you can without the assistance from others and you will learn to enjoy self-sufficient and self-reliant.

13. Face your fears And insecurities:

You will find this particular point masked beneath other resolutions, but fear and insecurity are often the cause of several problems that we want to address. You need to think of it as surviving and controlling your fear rather than overcoming it, and it will enable you to shed off a lot of the insecurities that you have.

14. Stick To Healthy Unique Personal Habits Developed:

The most important point to mention is that all the positive changes you make have to be permanent. Work on sticking with the good habits you have adopted, until they are a natural part of who you are. There is no other way to achieve true self-improvement.
Well, there you have it – a key list of precious moment advice, tips and tricks to help you see your New Year's resolution through and make some long-term changes in your life.

Please accept my hope for happiness and healing for the beginning of your new year … (And as a grieving person I hope your year begins as you desire to understand and move through your grief).

It is my prayer for you, each day this year, will be filled with a deep sense of belonging whether or not you have the blessing of being with all those you love.

15. May You Be Granted Serenity And Wisdom:

"God grant me the serenity; To accept the things I cannot change; the courage to change the things I can; and the wisdom to know the difference."
~ Reinhold Niebuhr (Serenity Prayer)

It is my sincere wish your life will be filled with fulfillment, meaning, and connection to what matters most. Most of all, may your connection to the source of all things be strong and clear so that you can be an embodiment of happiness and healing. May you experience many precious healing moments this year.

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Source by Duane Marchant

Views: 0

July 24, 2022
Youth Leadership and Entrepreneurship Development Mentorship – The Perspective

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The youth are the leaders of the future and deserve to be treated like we would treat any candidate of a succession planning in any organization, institution, and company. Such candidates are often enrolled in some sort of development programme in preparing them for the future challenges they would face. Such programme could and should include mentorship development programme.

The Mentorship Development Programme could include projects that expose the youth to the opportunity to practice leadership as early as possible in their lives. The most effective programmes are those that are designed by the youth, for the youth, under the mentorship of the elderly and/or experienced members of the society, the institution, the organisation or the company.

The progressive members of the society see the mentorship of the youth as their responsibility and they take the ownership. They would contribute to the formulation of the youth leadership development mentorship. They go all out to also oversee the successful implementation of such a programme. The programme should create the opportunity for the contribution by the parents and guardians where practical.

The effectiveness of the youth leadership development mentorship programmes is seen in the evolving leadership qualities of the youth. Hence, the need to create the space in the NGOs, Community Organizations, and Clubs for the youth to practice their leadership. Countries are encouraged to introduce national youth development organizations, projects and programmes to absorb those youth that are truly committed to taking their leadership development to the higher level.

The mentorship guidelines for the youth leadership development programmes are the basis on which to package the programmes. These guidelines are based on experience over many years, but also the lessons from benchmarking local and international programmes. They evolve over time. They are genuinely supporting the youth initiative.

The youth leadership development programmes that requires mentorship intervention could cover diverse areas as education, community development, art, culture, sport, entrepreneurship, business, etc. They therefore genuinely form part of the country’s real sectors and areas of development need. It is therefore expected that the mentorship programmes be informed by the needs of the society under these sectors and areas. Making resources available for such programmes, including the mentorship programme, should be viewed as investment in the future.

The youth leadership programme could take a specialist dimension, for example entrepreneurship development. Developing the youth in entrepreneurship early in their lives caters for the supply of future businessmen and women. The majority of the youth respond positively to the mentorship programmes dedicated to the entrepreneurship development. The entrepreneurship opportunities for the youth are mostly in the technology sector. The 4th Industrial Revolution is the main reason why this is the case. The start-ups in technology by the youth is becoming a norm. This, however, provides a challenge to a number of mentors, as they require the understanding of the context from which these youth are functioning.

Entrepreneurship will always be the most direct option to employment for the youth. As more companies are shedding jobs, more people would see entrepreneurship as the direction to follow. This makes demand for youth entrepreneurship mentorship to grow. The mentors assist the youth entrepreneurs in accessing the markets through their network. Most governments have entrepreneurship support programmes and incubators. These incubators are making mentors available to the youth entrepreneurs.

It is important for the youth to make a shift and consider entrepreneurship not as a survival means but an opportunity to innovate solutions that mitigate the challenges in the society. Since they are the youth, they are expected to continue paying attention to their holistic development. Involvement in the youth entrepreneurship development initiatives must not become replacement of their education and development. The mentors must continue to challenge the youth to explore many options about their future. We do not expect them to jump certain stages of their development and become adults too soon. They must enjoy their life journey.

The business case for early youth leadership and entrepreneurship development is very strong. They are laying strong foundation for future responsibilities as entrepreneurs and leaders in the society. They could become serious value chain additions in the various economic sectors of their countries and international. They are the future ambassadors of their countries.

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Source by Sam Tsima

Views: 0

July 24, 2022
Your Lifestyle And Hypertension (Part 2)

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Let’s go a little quantitative and slightly medical for a while. When you visit your doctor or any legally recognized health practitioner, taking your blood pressure is one of the basic examinations to be performed. And afterwards, they usually scribble some jargons on a piece of paper and probably prescribe to you some drugs thereafter, with cacographic handwritings. Blood pressures are measured with the use of a Sphygmomanometer tied around your upper arm as a cuff, and the values are documented as a fraction of your highest blood pressure (systolic) to your lowest blood pressure (diastolic). Normal values are of the ranges 100-140mmHg for the systolic and 60-90mmHg for the diastolic.

Secondary hypertension usually results from an identifiable cause. It is a case of “if Jericho refuses to challenge Israel, Israel must pull down Jericho!” either way, everybody must know that Israel wins. This means that primary hypertension can later become Secondary hypertension or Secondary hypertension can usually occur on its own due to identifiable causes such as Kidney failure, Hyperthryroidism or Coarctation of the Aorta and so many others. Either way, one’s body organs begin to fail. Jericho’s wall starts to fall!

Two new concepts suddenly emerge at this point. The one is called Hypertensive urgencies and the other is known as hypertensive emergencies. Both involve a sustained high blood pressure above normal (about 180/110 mmHg), however the latter usually occurs with an evidence of target organ damage. What are these target organs? They include the eyes, the Kidneys, Brain, Lungs and Heart. Imagine a blind bedridden human with paralysis, bad kidneys and yet has a heart attack. A good example of the living dead. Many patients are usually noncompliant when the doctor says, “Sir, we would need to admit you immediately”. This statement is often made when the kidneys have written resignation letter to the association of body parts and both eyes have decided to get a divorce.

Is Hypertension Age Dependent?

While hypertension is commonly a condition in adults and much worse in the elderly, children oftentimes are diagnosed of hypertension but this is very rare: like finding one bad egg in a warehouse of shipped crates. Children affected often fail to thrive or develop as should be, frequently have nose bleeding, easily fatigued, often breathless, blurred vision, irritability seizures and sometimes facial paralysis. If found in children, it usually is a pointer to a problem with their kidneys.

I’m Pregnant, What about me?

Hypertension would usually occur in 8-10% of global pregnancies, and is said to be in pregnancy if there is sustained elevation of blood pressure after 2 checkups within a 6-hour period in between checkup’s. It could be a preexisting hypertension which must have been present before conception. It could also be gestational due to pregnancy and may then progress to what we call Preeclampsia which is characterized by increased protein in the urine in addition to the raised blood pressure. Preeclampsia is present in 5% of pregnancies. However, preecmplamsia can further progress to becoming Eclampsia, which is a very fatal gestational hypertensive emergency. It is capable of claiming the lives of both mother and unborn child. Pregnant women should have regular antenatal checkups and have their blood pressures closely monitored and controlled when necessary.

Even drugs are Culprits.

All substances are potential poisons, the dosage would tell. There are many other factors aside from drug dosage that can cause adverse drug effects. Drugs such as NSAIDS(pain killers), Oral contraceptives like morning after pill, drugs that increase your heart rate, drugs that retain fluid in your blood vessels(Antidiuretics) and various Steroids can cause Secondary hypertension.

What do I do now?

Hypertension is not the end of life. Visit your doctor and listen to whatever treatment modalities he or she gives you. Be compliant. This is a serious one. Poorly managed hypertension is as good as no treatment at all. Appropriate lifestyle modifications are essential here: exercise regularly, reduce salt intake, avoid much stress, Smoking and Alcohol intake should be a no no, or at least reduced to nonlethal amounts. You may also want to quit these 2 habits meet with your doctor for advice. Eat well and Sleep well. DASH (Dietary Approach to Stop Hypertension) diet is encouraged here. Your meals should generally contain low fat dairy foods, enough vegetables and whole grains, fruits are also essential with limited sugar-sweetened foods and beverages.

Hypertension is another hidden menace in our evolving society. Let’s all join hands and fight it off together. Health is no doubt Wealth.

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Source by Nelson U Udeme

Views: 0

July 23, 2022
An Insight Into Multi-Level Marketing/Network Marketing Techniques

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You have reached the perfect place to discover how to be successful with Network Marketing or Multilevel marketing. Most people who embark on a new challenge struggle at first but for the Network Marketing beginner, he’s not an exception. It might seem complicated and sometimes a fearful path to pursue, nevertheless take advantage of the following Network Marketing strategies and run with it.

Success Tip 1: Manage “YOU” and “YOUR” Expectations.

You are answerable for the success or failure of your own unique network marketing business! This is usually a huge one, simply because the overwhelming majority of completely new as well as skilled network marketers pin the blame on absolutely everyone but themselves with regard to things that fail. But in fact, whatever happens to you, in business and also in your personal life is a direct result of choices you made.. You, and you alone are accountable for your business.

Manage your expectations and be accountable to yourself!

Success Tip 2: Set Goals.

We understand you need to generate income in your network marketing business, but HOW do you plan to generate such income?? It’s essential to set desired goals that may be Short, Medium or Long Term. Set S.M.A.R.T. goals for that HOW. Your S.M.A.R.T.goals ought to be

• S-pecific

• M-easurable

• A-chievable

• R-ealistic

• T-imely.

Evaluate these goals regularly and as soon as you meet them, raise the bar.

Success Tip 3: Keep Learning!

Cultivate your mind by getting informed through quality publications, CDs, network marketing business video tutorials in the first couple of months right after starting a new network marketing business. This might look like a time waster to many beginners since they’re thrilled to generate income immediately and it must be right now! It often doesn’t work like that.

When l began my network marketing business, I put away a specific percentage of my earnings to get resources regarding how to take my business one stage further. I learnt a whole lot (and still learning) on how to offer value to my clients. These are individuals who bring the cash. Begin to see the link?

Success Tip 4: Efficient Use of Your Time And Effort.

Be extremely organized particularly if you intend to continue working while starting your business. You’ll want to become a personal time management pro to offer your best to each side. Remember that you might want to allocate more time to your start-up business since your start-up business is similar to a newborn – it requires nurturing, focus, care and time.

Create time daily to work on your new business. Make use of the audio system in your car by listening to CDs or tapes if you are driving. Get a good mp3 player and plug-in some great informative content while taking a stroll or you’re at lunch or cleaning the house. The more effective time spent on your business, the quicker you’ll make it grow.

Success Tip 5: Be patient!

The journey of a 1,000 miles begins with one step. And you have started your journey. On this journey you’ll need loads of patience. In business the truth is most start-ups consider it a huge success if they can make money soon after they start business.. So, what makes you believe the income will begin rolling in after a few days, or even months? Building a solid business needs time, effort, and lots of patience.

Likewise note that you need to be prepared for the rough patches because there will be loads! When those times come, it’s not the time to pull the plug but time to remember that success is a process. Every positive step you take brings you closer to your goals. Therefore keep doing the “right” things, persevere and be patient!

Success Tip 6: Expect to get out of your comfort zone.

When a baby starts to learn to walk, he or she finds it uncomfortable at first but as soon as he gains self-confidence and steps out of the world of crawling, he or she makes his / her first step and others follow afterwards. It’s similar in the business world. You’ll be learning new and different ways of expressing yourself. You will need to meet, talk and connect with people.

No one ever made it big in network marketing by hiding behind their computer screen. You may very well feel uncomfortable trying new things that you may or may not be good at. The important thing there is TRY. Try new things.

Learn from your mistakes and celebrate success when it happens and it will happen; because you have earned it!

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Source by Nkem Bamgbose

Views: 0

July 23, 2022
Money – And How to Make More of It

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I don't know many independent professionals who wouldn't like to make more money.

It seems so simple. Ultimately there are only four ways to make more money in your business:

1. Get more new clients or customers

2. Raise your rates or fees

3. Sell more services to each client

4. Get more repeat business from existing clients.

Yes, but how do you actually accomplish those three things?

For the next several weeks, I'm going to write a series of articles on how to make more money in your business.

And I'm going to do my best to give you practical, actionable ideas that work. I know they work because I've3 used them and so have many of my clients over the years.

But before I start, there's an important things to understand about money.

Money. Is. An. Emotional. Issue.

Money isn't dollar bills in our pocket or numbers in our bank account.

No, in our minds, money is about our self worth, about how we compare ourselves to others, about how we feel about ourselves, about our success, and ultimately about our survival.

I have a favorite story about money that makes this very clear.

A few years ago, I worked with a husband and wife team who were executive coaches.

Because of our work together, they started to attract more clients on a consistent basis.

However, like many independent professionals, they were undercharging for their professional services.

But when I suggested they raise their fees, they became very uncomfortable.

And when I dug in, I discovered why.

It turns out that both had been raised in relatively poor families and they continually got the message that "rich people are dishonest."

Because they believed that to be true, of course they didn't want to raise their fees. That would make them, in their minds, dishonest.

And, if they felt they were dishonest, that would be a moral failure. That wouldn't feel good. It actually felt better to make less money!

After we explored this belief in depth, they realized that it was both emotional and illogical. It clearly wasn't true that all rich people were dishonest.

Their belief started to transform to: "We offer an honest service that makes a difference to our clients and it's OK to charge what that service is really worth."

This new belief felt a lot better than the old one.

And realizing this, they finally clearly saw that the fees they then charged were virtually nothing compared to the value their clients received.

And before too long they had doubled their fees with almost no pushback from their clients.

And no angst on their part.

So, the very first thing to examine if you are not making the money you want, are your beliefs about money.

Sounds simple, but it's trickier than it seems.

Why? Because we believe what we believe to protect us from any kind of harm – even if this harm is imaginary.

My clients believed they'd become dishonest if they raised their fees. So, in their minds, not raising their fees prevented that from happening.

What shifted this belief was clearly seeing that it was essentially nonsense. They could raise their fees and still be honest people.

With this powerful insight, their belief was forever changed.

And now, as a business owner, I challenge you to question your beliefs about money. First, identify the ones that are holding you back.

Here are a few very popular ones:

Money is scarce

My clients can't pay higher fees

People will think I'm greedy

More money will lead to problems

It feels wrong to make money doing what I love

Money will corrupt me

Being wealthy will make me arrogant

I don't deserve a lot of money

Money leads to bad things

More money just means more taxes

Wanting more money is selfish and shallow

List yours here: ______________________

I don't know which of these beliefs is running you, but if you aren't making the money you want it's almost certain that one or more of these beliefs is holding you back.

What are the fears behind the beliefs?

Honestly ask if those beliefs are true and if they are serving you or limiting you.

Then ask how things might change without those beliefs.

You just might find that it's not so hard to raise your fees after all.

So, the first thing you must do to earn more money is to question your beliefs about money. Unless you do that, you're unlikely to take the practical steps that will help you earn more money.

Do this honest questioning about your money beliefs and you'll be ready to learn a number of step-by-step approaches to earning more money that I'll cover in the following weeks.

Cheers, Robert

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Source by Robert Middleton

Views: 0

July 22, 2022
"Negotiator – Embrace Right Buy-In – Cure Stupid Hidden Disasters" – Negotiation Tip of the Week

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A good negotiator knows, when you embrace the right buy-in, you cure hidden disasters before they can occur.

For almost a year, they secretly planned the rollout. They touted it as a facelift that would change the name and position of the association. Doing so would give it a fresh look and appearance for the 21st century. But when the rollout occurred, the backlash was severe. All the money, time, expenses, and efforts that went into the new face of the association went down a drain of despair. The question that buzzed throughout the association was, how could this have happened? The response was when you embrace the right buy-in, you stop hidden disasters. And this disaster was easily avoidable.

First, as a negotiator, what do you think went wrong? What buy-in do you seek when thinking about the obstacles you might face in your negotiations? To the degree you obtain the right buy-in, you have a better chance for a successful outcome. To the degree you get the right buy-in at the right time, your chances of a successful outcome increases substantially.

Problem:

Secrecy – In the opening situation, the president of that association assembled a team of prominent members – all were members of the association. Their expertise stretched across the spectrum of branding, marketing, and social media. None were members of the vanguard that had watched over the association for decades. And the omittance of that group’s input was a silent blinking red light that foretold the death of the project.

Negotiating in secret environments can be beneficial. It can prevent unwanted distractions from slowing the progress of the negotiation. It also serves to gather the buy-in of stakeholders that might torpedo the negotiation. Thus, secrecy can be a form of control – it can also be the deliverer of disaster if not used right.

Forgotten power players – The name of the association had stood for four decades. And some of the revered founding members were still active in the association. When the new name was revealed, that vanguard was the catalyst that caused the committee’s efforts, and the new name, to meet a swift death. Had the committee consulted this vanguard, the committee would have known its efforts were doomed. They could have avoided a hidden disaster.

Consideration:

Had the committee charged with creating a new name involved the vanguard of the association and brought them along during the planning stage, at minimum, the new name would have stood a greater chance of becoming implemented successfully. At worse, the committee would have known that the new name was in trouble. Losses could have been averted at an earlier point and resources could have been spared.

The challenge a negotiator faces when employing secrecy is making sure the right people are involved. If they’re not involved, hidden disasters may lie in wait.

Always take into consideration who might be involved in a negotiation even if they’re not physically or visually involved in it. Seek those individuals that might have a stake in the outcome of the negotiation no matter how small you think their stake might be. There’ll be times when you won’t know the power source behind some people’s means – that’s something else to consider. There’ll also be times when smaller stakeholders will combine forces, which will present a more powerful force for you to contend with.

Conclusion:

Getting the right buy-in is a vital component of every negotiation – even when it’s just you and the other negotiator. Doing so when you have multiple participants is even more vital to the negotiation’s success. Therefore, when you assess the impact of the buy-in component during your negotiation planning stage, consider its impact thoroughly… and everything will be right with the world.

Remember, you’re always negotiating!

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Source by Greg Williams

Views: 0

July 22, 2022