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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
Can You Cure Foot Pain, Back Pain and Fatigue With Shoe Inserts?

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I’m always on my feet it seems like. I have a job that is pretty demanding, walking and standing on my feet, eight hours a day. Some days I walk five to seven miles. I know, there are plenty of other jobs out there that are way more demanding than mine. However, doing a job like mine in dress shoes or any low-quality shoe can kill your feet. And this can lead to significant foot pain, back pain and worse. It can knock your quality of life down a few notches, and that’s precisely what it did to me.

With foot pain came back pain, exhaustion and me having to cancel my workout routine.

I mean, it wasn’t too long ago, I’d spend eight hours a day, working on my feet, before coming home and having to soak in the tub with Epsom salts. It was the only relief I could find. All of the pain and discomfort was rooted in the shoes I was wearing. They were nice looking, but not pleasant to walk around in all day.

Eventually, thinking I was going to have to quit my job (I did before going back.), I asked around and found out about some top of the line shoe inserts. I also bought new shoes.

With the new shoes, I felt 100 times better being on my feet. It was unreal. However, the shoe inserts made the most significant difference in my life. With top of the line shoe inserts, I could literally walk all day and have zero issues. I mean, after work, I felt zero pain and had no issues with my feet or back. Not only was there no pain, but no exhaustion either. After work, I still had plenty of energy and could go to the gym without any problem. It was amazing.

The best thing is that I can use the same inserts in all of my different shoes and enjoy the same benefits.

I never would have guessed that such a simple change could make so much of a difference in my life.

If you suffer from foot pain, back pain and your quality of life is suffering simply because of being on your feet, I highly suggest trying a pair of high-quality shoe inserts. They could change your life.

Additionally, regular exercise, weight-training and a healthy diet might help you, too. Being physically fit can make certain types of labor easier on your body. However, always check with your doctor before starting any new workout routine and diet.

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Source by Elvis Jackson Jr.

Views: 0

July 25, 2022
Sex Tips: Temperature Play Methods

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Looking for sex tips to spice things up? There are many ways to do so, but one that many couples are unfamiliar with is incorporating hot and cold play in the bedroom. Altering the temperature can awaken the nerve endings and circulatory system in ways that deliver mind-blowing pleasure to both partners. The following examples, along with safety tips for maintaining vaginal and penis health, can help couples get their bearings in this exciting new world of sensation play.

Cup of Water

Keeping a cup of warm (not hot!) water near the bed can boost his oral sex enjoyment. A partner can take a sip, swallow, then take another sip and hold the warm water in his/her mouth, then take the man’s penis inside. Swashing the water around his penis for a few moments then swallowing it will give him a tantalizing experience.

Breath Play

Warm, moist breath is one of the body’s most pleasurable heat sources, and making use of this natural heat during foreplay and sex can bring both partners thrilling waves of enjoyment. Gently exhale on a lover’s sensitive spots, including the stomach, neck and ears. Gently breathing on the clitoris and testicles is also encouraged.

Candle Wax

Most people have heard of dripping hot candle wax on the skin as part of sex play, and many find this frightening. For good reason – most people don’t want to actually burn their skin. The trick to safely participating in wax play is to use candles made of soy, which don’t require as much heat to melt as those made of beeswax or regular wax, so they are less likely to deliver too much heat. Also, of course, if one has very sensitive skin concerning heat, this method should be avoided.

Chilled Spoon

Chill a metal spoon for a bit in a bowl of ice or cold water, then apply the back of the spoon to a lover’s neck, nipples, stomach, etc.

Plain Old Ice

An ice cube in the hand can go a long way. Trace a line extending from one side of a lover’s neck all the way down the side of the leg, them up the inside of the leg, down the inside of the other and back up the other side of his or her body. It’s best to avoid the penis and testicles.

Ice Dildo/Hot Towel

This is one of the more hardcore forms of temperature play, which should be pursued with caution. The idea is for the man to masturbate with a warm, wet towel around his member while a woman masturbates with a chilled dildo. Then, he enters her, and the sensation change for both is out of this world.

There are several options for a chilled dildo. Some glass and metal dildos are made to be chilled, but caution should be taken. Glass that gets very cold and then undergoes a sudden temperature change, such as inside the body, can break – yikes! And cold metal may stick to a lady’s warm, wet inside – also no good. Use proper precautions. Let the glass or metal warm just a little; use lube; use condoms; always, always follow packaging instructions.

Blindfold

Any of the above techniques can be combined with one another, and all of them may be more enjoyable with a blindfold in place. This will leave a lover anticipating, eager and unaware of what sensation is to come. Sight deprivation may be most exciting when lovers are combining a form of heat play like candle wax with a form of cold play, like ice cubes or a cold spoon.

Keeping it Safe

Always check in to be sure that the skin is not being burned or losing sensation due to excessive cold or heat. Don’t freeze or heat toys that were not designed to withstand such temperatures. Ease into temperature play to get to know what one’s skin can tolerate.

Maintaining skin health on the sexual organs can’t be overrated; one’s ability to sense pleasure depends on it. Men can take an extra step in the penis care department by using a quality penis health creme (health professionals recommend Man1 Man Oil) daily. Shea butter and vitamin E keep the skin moisturized, protecting it from the frictions of a vigorous sex life. Show one’s sex life some excitement with temperature play, and one’s manhood some love with a penis health crème.

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Source by John Dugan

Views: 0

July 25, 2022
How to Inspire Your MLM Business Leads?

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There comes a time in any MLM business, in which one may find themselves lost and not sure how to gain business. Fortunately, there are steps to take to overcome such issues; one is to inspire your current leads to take action. Such actions don't have to be big, but they can develop into something great for your business. It is important to work with your prospective leads to generate excitement around your business. The littlest steps can turn into huge returns and you'll soon discover how your thinking and discipline will take you to another level in your MLM business venture. Focus on creating success.

Develop the Right MLM Business Mindset
Most times; the right mindset will develop a greater inner character. In those times, there has been a lot of pressure and external stress to overcome situations that has risen. For example, a person joining the military, goes through boot camp to get redefined into something greater. In this essence they create an inner character that is honest, tough, intelligent and capable. You can develop a strong MLM business by using a strong and discipline mindset that is centered around your personality. Use your strengths and build upon your weaknesses.

Your MLM business can only succeed by your continuous effort to improve upon your abilities and skills. A poor mind will lead to poor results. Not saying to be happy all the time, this doesn't work. What this article is implying that having a mind that is focused on developing one's potential will lead to success. This entails the use of discipline, going to work and learning the skills and tools needed to attract and convert prospects into leads.

All great champions are disciplined
Anyone can be a champion, however only a few can become legends. To become a legend and have success in your endeavors. You must invoke and cultivate discipline into your life. This means creating a well-balanced schedule between life and work. In work, you must balance education and work itself. This is difficult, but it can be done. This means some rough changes for some of you and for others it won't be so difficult. Dropping some bad habits and learning good ones. It takes practice and patience when changing oneself into something new. Don't give up, get a partner and set realistic goals as you move forward and you'll see your business change over time.

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Source by David L. Feinstein

Views: 0

July 25, 2022
Learn How to Cultivate Self-Discipline As a Success Mindset

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Do you understand the connection between what you think and the success you experience, or do not experience, in your job or career? If you could learn to discipline your thoughts towards an attitude of success, do you believe it is possible you could in turn become successful?

There is a well-known phrase that talks about the importance of working smarter and while there are many interpretations of what it can mean, overall it is meant to emphasize the benefits of being focused, disciplined, and working hard. Hard work is the backbone of any career but over time, and when routine work habits are established and set in, the effort that a person exerts may become conditionally based. It could be due to a person’s perception of a “bad” boss, poor working conditions, not receiving a pay increase or recognition for their effort, and the list continues. While there may certainly be merit to these feelings, it serves no real purpose to make working hard a conditional characteristic of your job performance.

If you care about your career development then working hard needs to be a top priority every day. However, hard work may seem unjustified if a person’s expectations are not being met and that is where self-discipline comes into play. It is a matter of always being in control of your performance and responsible for the quality of your work. It also involves making a commitment to yourself and your career, one that is not dependent upon circumstances or influenced by circumstance no matter how challenging it may seem at the time. This will allow you to become disciplined and know that your best performance depends upon consistent effort, which establishes a mindset of career success.

Why Self-Discipline Matters

The development of a disciplined mindset allows you and your job performance to shine; whereas, the lack of intentional discipline sets you up for failure. Self-discipline is based upon a logical and rational perspective, is focused on being in control, and prompts the use of productive work habits. It is proactive with regards to job duties and career development, and it requires concentrated effort rather than striving to achieve absolute perfection.

Without self-discipline a person is more likely to be impulsive and unfocused, act based upon emotional responses, and be reactive to circumstances. It is easy to begin to work on becoming self-disciplined, whether or not it is a habit now, if you start by establishing an intention and make it a goal to perform your best at all times. It does not require prolonged struggle, only career goals. You can make choices based upon what is best for your job and/or career. Self-discipline involves maintaining control over your attitude, mindset, emotions, and thoughts at all times.

Discipline and Doing Your Best

Your job has a specific description, or at least an expectation of what it is you are supposed to accomplish. Over time, and as you become familiar with the daily tasks, you can determine what the minimum amount of effort is needed to complete the required duties and that may be enough for you to feel good when the workday ends. Then there are circumstances that influence the amount of effort you put in. There may be too much work, an upcoming deadline, or person in authority who is pressuring you to take on more work. You may willingly or grudgingly do more as requested; however, when you stop to consider this job do you realize it is your career at stake?

The attitude you develop about your job will also influence the attitude you have about your career development and progress. If your job performance involves putting in the minimal effort it is usually accompanied by feelings of job dissatisfaction and that may create a negative mindset about your career. It means you view your effort from the perspective of what you get from the job rather than what you can gain from it in the long term. When you are disciplined you maintain behaviors and an attitude that bolsters your daily productivity, which also provides you with the confidence needed to excel even when circumstances are less than perfect.

Learn to Develop Purposeful Intent

How do you feel good about a job and maintain that attitude, even when circumstances cause you to dislike it? You cannot force yourself to feel positive emotions when there are events or people who prompt negativity or feelings of frustration. What you can do is to change your perspective and that is where self-discipline matters. You can decide that you are going to feel good about yourself as a professional or as an employee despite the current conditions and anchor it to a position statement that is focused on your career goals. This allows you to create a disciplined mindset with purposeful intent and focus.

Your career is a series of steps and progress will occur over time and for some it will be accomplished through more than one position or job. At the heart of this is you as a person, and it is you who has an ability to learn and grow. With purposeful intent you can view each job as a stepping stone, which provides skills, knowledge, and direction. If one job does not meet your expectations or provides difficult conditions to work in, itemize what you have gained from it, list this information on your resume, and decide upon your next step. But no matter what, always make certain you have a disciplined focus or you will venture off course in your job and career plans.

Consider How an Employer Views Your Disposition

Consider for a moment that you are a hiring manager. What is the type of candidate you would consider hiring, if you were looking at more than the job description? Is it someone whose tone displays obvious frustration and does not seem to have much to say that is positive about their current employer or existing job? That is not a likely candidate for an employer based upon their attitude alone.

Now consider a candidate who comes along and has a professional presence, demonstrates a clear understanding of their career path or goals, and can articulate what they have gained from each of the jobs they’ve held throughout their career. That is a candidate who will likely gain your interest, even if they are not considered for the position, because they have demonstrated a disciplined mindset.

The point of reviewing these scenarios is to show the contrast between someone who possesses an underlying feeling of career helplessness or career control, which also demonstrates the difference between a disciplined and undisciplined mindset. If would like to be the candidate who is likely to get hired, establish a goal to be highly disciplined and productive.

Your disposition will carry over into the tone you convey when you speak with potential employers, along with your overall attitude about career development. As a professional resume writer I can spot a person’s disposition through their choice of words and how they describe their jobs when I talk to them. Someone who is disciplined and views all jobs as a learning experience has self-confidence about who they are and the talents they possess, regardless of job conditions or circumstances.

How to Develop Self-Discipline and Focus

Career Planning: You can begin to develop a hard-working, self-disciplined mindset right now by first examining your career plans. If you cannot articulate the specifics of your career, now is the time to get started. At the very least, decide upon a short-term and a long-term career goal. This will give you a sense of direction, one that can help you find what can be learned instead of focusing on existing working conditions.

The purpose of developing a career plan is to provide you with an ability to create purposeful intent. When you walk into the workplace each day you can remind yourself you are able to learn from any situation, even if what you learn is that you are no longer growing or moving forward in your career.

Learning and Growth: An important component of a disciplined mindset is maximizing your learning and growth potential. If you have developed a productive working relationship with your supervisor or manager, ask them if there is more that you can do. For example, perhaps you can take on an extra project that is based upon a departmental or business need. To some people this may seem to be counter-intuitive and an attempt to become the “teacher’s pet” – or some other type of negative phrasing.

If you are asking from a perspective of having a genuine interest and seeking professional development, and the need is recognized, this will create a feeling of accomplishment within you. As you continue to work hard you may even extend the timeline that you work for this particular employer. You will also likely be viewed as valuable employee, although the ability to remain disciplined will matter most in the long term for your career.

Self-Discipline as a Success Mindset

Becoming disciplined can have a variety of descriptions, including working hard, attaining maximum productivity, or maintaining a focus on what must be accomplished every day. The most meaningful correlation between a focused mindset and effort is the development of peak performance. This working definition speaks to the heart of what working to the very best of your abilities should mean. It is striving to maximize your performance with your current skills and abilities while being open to learning and development, and putting in more than the minimum effort required.

There are going to be times when you aren’t at the top of your game and that is certainly understandable. There will be some days that you find yourself working to the very best of your abilities and other days that find you putting in the best effort possible. The importance of being disciplined means that you do not allow job conditions be the reason why you are not functioning at peak productivity; whether there are new policies to adapt to, additional demands made of your job, or other circumstances.

You can always be in control of your actions and strive for peak performance as a matter of your career development. Learn to develop self-discipline as a mindset and attitude about how you work every day and watch your career continue to evolve as this sense of self is reflected in the outcomes you experience, both personally and professionally. The most effective way to be in control of your career and establish a pattern of success is to control how you think and how you work. Self-discipline is a productive state of mind and focused attitude that you can implement starting now. When your attitude is honed on performing your best, you will find yourself mentally resistant to adverse conditions and ready for new career opportunities. You are mentally disciplined and both you and your career are transformed.

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Source by Dr. Bruce A. Johnson

Views: 0

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
Guilt Is a Useless Emotion

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I once read a poem in my doctor’s office that went something like this:

If a child is raised in anger, he will feel anger.

If a child is raised with guilt, he will feel guilty.

If a child is raised with shame, he will feel shame.

If a child is raised in love, he will feel love.

Of course that is not the whole poem, but you get the point. At the time, the poem was just something to read while I waited. Today the meaning is very clear to me.

There is no such thing as guilt, you can not go to the store and buy a pound or bag of guilt. It is a man made ego minded emotion this is detrimental to humans living to their full potential.

It seems to me that women carry so much guilt, whether it stems from being a woman, or the way we raised our children, or for being/or wanting to be successful, to being a sexual human. Where did it all start? Why have we continued to pass this down to each new generations? Mostly we do it subconsciously, although I know there are times when it is used for our advantage in certain situations.

Many moons ago the female Goddess energy was the ruler of the universe, it was honored and valued. Did guilt arise when we stopped tuning into that energy and were slowly overpowered by the male energy that has dominated the universe for so long? Was it because we stopped standing our ground and speaking our truth? Who knows were guilt originated. I am not saying it is a female only emotion, nor pointing fingers, my point is for this particular article only.

Guilt has kept so many stuck in the same place for years. Why? Just like the poem says, it is passed down through the stories we were told by our parents, grand parents, teachers and role models. These stories were laced with limiting beliefs that blocked us from actually achieving our full potential in life. This useless emotion became a vicious circle that many are still trying to step out of, or don’t even realize they are in.

You get a great idea that will make you lots of money. Then the guilt thinking comes in, you start to hear the old stories, you can’t make more money than your husband, men are supposed to support the family. You may even see pictures of the people telling the story. OR, even worse, you want to express your sexuality, or your sexual energy and you hear that voice saying “good girls don’t” Well guess what, good girls do, and they have been for years. Even those catholic girls in high school that swore they didn’t. They do. We are human, we don’t need to feel guilty about anything. Especially expressing our true selves.

Everyone makes mistakes in life, everyone, but we don’t have to feel guilty about it and carry it with us the rest of our lives. It is time to free ourselves of the past, to free ourselves of the guilt. It is time to forgive ourselves for allowing this to control any part of our lives.

Guilt is an emotion that comes from fear based thinking. If we take a really good look at why we feel guilty for any particular situation, we will probably find that the thought process is not even our own. It was something passed down to us from someone else. And to think that is ruling our days!!

Fortunately there is good news. The choice is ours as to whether we are going to carry the guilt or let it go. Give a moment to think how you would feel if you decided right this moment to let go of it. How would it feel to have put it out with the garbage on Monday morning? How does it feel? Light? Airy? Expansive? Free? Now ask yourself this. How often do you put the garbage out at the road, and then walk out and bring it back into the house? Never, Right? The same needs to happen when letting go of guilt, once you put it out, leave it out. In fact don’t even go back to smell it.

How can we release guilt? Here are a few steps, these require you to love yourself enough to give yourself permission to feel good.

1. Write out what you feel guilty about and why. Take one situation at a time. Write adamantly, don’t hold back on anything, just let it all go, allow the emotions to flow. Once you are done, set it down for a few moments, then go back and write a little more. Don’t read it over, tear it up, or burn it. As you do repeat ” I now choose to let this go, it no longer affects my life.”

2. Sit with a situation in mind. Allow yourself to feel how you feel about it, visualize it, hear the stories other people told you about the situation. Feel where you feel this in your body. Ask yourself if the guilt is yours or someone else’s? When you have sat with it as long as you can, allow yourself to let it go. Visualize it leaving your body, feel it leaving your body and say I choose to let this go. I no longer need this in my life. I let it go in exchange for peace.

3. Change the story you are telling yourself. When you catch yourself telling the guilt story either to yourself or someone else, catch it, don’t judge it, just change it to something possible, with positive emotions. Be aware of the thoughts and stories you tell, after all we get to choose them, they might as well be positive.

4. Train your mind to look for thing to be grateful for. You will always find what you are look for, again it might as well be positive.

In doing these exercises you will release the emotional charge the thoughts and feelings have on you. The memories may come back from time to time, but the emotions will not take hold of you, they will not control you. Quilt really is a useless emotion, with a choice attached. I choose to let it go so I can soar through the rest of my life free as a bird. Free yourself.

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Source by Jenn Prothero

Views: 0

July 24, 2022
How Listening Is Beneficial for MLM Businesses

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All MLM businesses can benefit from listening on social media. Good listening skills are hard to come by especially in business. Many people just want to spread their message as far as they can without taking time to listen. This is where you can gain an advantage. When you monitor your messages and respond. It shows your prospective leads that you are looking out for them.

Most times it will take active listening and reading skills to discover data for your business. Most MLM businesses are missing out on engaging with prospects because they don't or can't devote the time to follow any comments. Not all comments left on your content is acceptable. Sometimes it's spam and other times it's extremely off topic. Delete them and engage with the responses that you want too. Be personable and helpful if you can. Try to avoid being argumentative with any commentator. This will only hurt you. Let other people respond in the manner that makes you look good.

Make your business shine among the MLM businesses starlight.

Who doesn't want to shine and be successful? However, most MLM businesses are competing for the limelight. They don't realize they are hurting their bottom line. People will jump from one opportunity to another if it glows brightly enough. However, your end goal is to create and retain top talent. Your campaigns are asking for the best to join your team. If not, then you may want to change strategies. Prospects want tools and data to help them in life. They need to feel special, they want to feel safe and prosperous in a world that doesn't care.

Be careful as you generate content. Never leave a false promise in the material. You can glow among the MLM businesses as long as you listen, engage and respond to your prospective leads. As you respond you can other educational content or tools as you type out your reply. Be encouraging and honest but don't be a doormat either. Trolls will always be there and won't see the other side of the story. Don't be afraid to share content from your team as well. This can help open doors to newbies who are just starting out. Often times prospects will leave a little clue behind that you can write or create a video about. If in doubt, do a faq infographic that is fun and informative. This could break the ice for many people who are watching in the background.

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Source by David L. Feinstein

Views: 0

July 23, 2022
Affirmations to Help You Break a Bad Habit

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Have you tried and tried to break a bad habit, and just failed time and time again? Have you tried using Affirmations to help break a habit? Positive statements have been proved to work!

What Defines A bad Habit?

If we were to send out a survey now to ask people what they thought the words bad habit means, the majority will say that a bad habit is a negative action that people do over and over again, like smoking, drinking, or eating too much.

Did you know that habits are incredibly powerful tools for personal growth and success? Good habits that is!

What habits do you have now and how do they affect your life? Your weight and health are determined by your eating habits. Your relationships are determined by your social habits. Your success at work is determined by your work habits and so on!

So How Do We Change Them?

When it comes to breaking yourself free from bad habits, many self-help books and coaches will tell you to become consciously aware the moment you begin to think about or crave the habit, and to make conscious decisions to just not do it! This may work for some people, but for most of us this is way to hard and doomed to fail. Why? Because it is human nature to want to do something that we are not supposed to do!

Psychology!

First we have to get the psychology right in our head! We must want to change this habit and we need to address why we want to free ourselves from it, that may sound stupid and obvious, but it is true, we must understand and do some self talk.

Write down all the benefits that you are going to get by getting rid of this habit, we need to tell our self that we are not depriving ourselves but improving.

Affirmations.

When I talk to people about affirmations, they often ask “what if I don’t believe the words to be true”? Good question, the subconscious mind does not know what is true or not true, it hears words and accepts them to be! So the more we say the words, the more the subconscious takes them on board, we “affirm” them as our truth!

Choose your words carefully, if you struggle to say them you need to change them, try to keep them short! Here are some ideas to help you create effective and life changing affirmations:

1. Make the statements short but strong, “I am now free from this habit of…”

2. Always make your affirmation in the present time ( I am now, Not I am going to)

3. Always state them in the positive ” I am Happy that I no longer…..”

4. Write them down and read them often, read out loud.

5. Do them every day, no matter how you feel, stick with it!

6. “I am so grateful that I am now free of this habit“

Affirmations need to be practised daily for at least thirty days to embed them in your mind, do them morning and night, stick with it, it works! Learn how to boost your affirmations, and be free in record time!

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Source by Cheryl Fauvel

Views: 0

July 23, 2022
Love Bombing: Are Some People Easy Targets For ‘Love Bombers’?

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If one was single and they were to meet someone who showed a lot of interest in them, they could find that they end up being drawn to them. And what might also play a part here is that one may be physically attracted to them.

Through being in this person’s presence, one could start to experience a lot of positive feelings. In a way, it could be as if this person is a breath of fresh air; with them being someone who has come into their life to make it better.

A Fast Build Up

After the first encounter, it might not be long until the other person is acting in a ways or talking about things that wouldn’t usually take place or be mentioned for quite some time. It will be clear that the other person doesn’t want to take their time and to allow everything to develop organically.

It will be like starting in first gear and going straight into the last gear; instead of starting in first and gradually moving through each gear. At this point, one could have put their thinking brain to one side and be completely caught up in what is going on.

For Example

So after one has had their first encounter with this person, their phone could constantly go off. This can be a time when this person will message and call them, telling them how much they like them, how special they are and the type of things that they want to do with them, for instance.

This person could also say that they should move in together and go into what their future will be like. Additionally, one may find that this person sends them gifts while they are at work and they could come across love notes and letters from them.

The Next Stage

After they have seen each other a few times or only known each other for a matter of weeks, the other person could ask them if they are now in a relationship. They could even go one step further than this by talking about how much they love them.

And if they do end up moving in together after such a short period of time, one could spend even less time with others. In fact, ones whole life could end up revolving around their partner – someone they have only just met.

On Top Of the World

At this point one could feel as though they are on cloud nine, with them basking in positive feelings and the loving behaviour of their partner. Nonetheless, it might not be long until their partner starts to change.

Now that this person has pulled one in, they could end up trying to control how they live their life. If one doesn’t do what they want, they might find that their partner leaves or that it is not possible to get hold of them.

Hot and Cold

This person will have done everything that they could to warm them up in the beginning and, how that they have them in the palm of their hands, so to speak, they will take advantage of them. Due to their fear of losing their partner and being rejected and/or abandoned, one can have the need to do whatever their partner wants them to do.

If this means no longer seeing their friends and family, putting their interests to one side and/or neglecting their own health, for instance, they will do it to try to regain their ‘love’. Ultimately, one will have become hooked on their partner’s attention or the dopamine that they trigger inside them, which is why they won’t feel good when their attention is no longer there.

Drawing the Line

One could then do what their partner wants and before long, they could pull away again. They might turn up in a few days or it could be a number of months before they reappear.

Clearly, having this person in their life is not doing them any good, and the sooner they cut their ties with them the better. There are a number of things that they can do to gradually get back on their feet and to regain their energy.

A Few Steps

Firstly, it will be a good idea for one to no longer speak to this person in person, over a screen, or over the phone. If this person won’t accept this, one may need to get in touch with the police.

Secondly, it will be good for them to get back in touch with family and friends, so that they can go over what took place and gain their support. Thirdly, taking time to do what they enjoy will make it easier for them to take their mind of this person, and, fourthly, they may need to reach out for the assistance of a therapist or a healer, for instance.

Stepping Back

It could be said that just about anyone could be love bombed, yet there are going to be things that will make one more susceptible to this type of behaviour. And if one has gone through this experience on more than one occasion, it is likely to show they need to take a deeper look into why this keeps taking place.

However, this is not about one blaming or shaming themselves for what has taken place; it is simply about them taking a step back and looking into what they might need to do to prevent this from taking place again. This is about awareness as if one can see that there is a reason why this keeps taking place; they can do something about it.

A Closer Look

If they were to do this, what might become clear is that they don’t feel good about themselves. Therefore, as soon as someone comes along and gives them so much positive feedback, they drink it all up.

Said another way, they are in a position where they desperately want someone to love them. Consciously or unconsciously, a love bomber realises this and ends up exploiting their weakness.

An Easy Target

If one did value themselves, they wouldn’t need as much from another person, and this would enable them to be more discerning when it comes to who they allow into their life. And as opposed to feeling good when another person comes on strong right at the start, they might end up feeling as though something isn’t right.

They might realise that as this person knows very little about them, it probably shows that they are trying to manipulate them. The love that they have for themselves will also allow them to have strong boundaries.

Additional Points

Furthermore, through valuing who they are, they would most likely have a number of close friends who they can share their life with. These people would then be there to give them feedback and to support them.

Another part of this is that one would also do things that they enjoy and this would strengthen them and fill their life with meaning. They would value themselves enough not to neglect themselves.

The Reason

If one was to find that they don’t value themselves, it could show that their early years were not very nurturing. This may have been a time in their life when they were abused and/or neglected.

Thanks to how they were treated, they would have come to believe that they were worthless and they may carry the pain of being rejected and abandoned. Being treated badly is then going to be something that feels comfortable at a deeper level.

Awareness

If one can relate to this, and they want to embrace their inherent value, they may 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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There will be the negative beliefs that that they need to question and replace, and there will be the emotional wounds that they need to heal. The main thing is that one does what they need to do and doesn’t give up on themselves.

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Source by Oliver JR Cooper

Views: 0

July 23, 2022