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Effective Working Capital Management and Optimal Synchronization of Cash Flows

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How do firms choose their operating cycle? How do firms choose their cash conversion cycle? What is the impact of firm’s operating cycle on the size and periodicity of investments in receivables and inventories? How do seasonal and cyclical trends affect firm’s operating cycle, cash conversion cycle and investments in current assets? These strategic policy questions relate to optimal cash flows synchronization and effective working capital management designed to maximize the wealth producing capacity of the enterprise.

In this review, we will examine some pertinent and extant academic literature on effective working capital management and provide some operational guidance to small business enterprises. The shorter the cash conversion cycle, the smaller the size of the firm’s investment in inventories and receivables and consequently the less the firm’s financing needs. Although setting ending cash balances is, to a large extent, judgmental, some analytical rules can be applied to assist effective formulation of better judgments and optimize cash flow management.

As you know, a correlate to cash is net working capital. Net working capital is not cash but the difference between current assets (what a firm currently owns) and current liabilities (what a firm currently owes). Current assets and current liabilities are firm’s immediate sources and uses of cash, respectively. Clearly, a firm’s ability to meet its current financial obligations (bills due within a year) depends on its ability to manage its current assets and liabilities, efficiently and effectively.

Effective working capital management requires the formulation of optimal working capital policy and the periodic management of cash flows, inventories, account receivables, accruals and account payables. And because poor working capital management can severely damage a firm’s credit worthiness and limit its access to money and capital markets, every effort must be made to minimize business default risk.

The significance of liquidity cannot be overemphasized. In addition, anything that adversely impacts a firm’s financial flexibility degrades its ability to borrow and cope with unexpected financial hardship. A firm must preserve its ability to react to unexpected expenses and investment opportunities. Financial flexibility derives from a firm’s use of leverage as well as cash holdings.

In practice, optimal working capital management includes effective cash conversion cycle, effective operating cycle, the determination of appropriate level of accruals, inventories, and account payables and the attendant funding options. Working capital policy impacts a firm’s balance sheet, financial ratios (current and quick assets) and possibly credit rating. Critical to efficient firm’s working capital management is a good understanding of its cash conversion cycle, or how long it takes for a firm to convert cash invested in operations into cash received.

The cash conversion cycle captures the time passed from the beginning of the production process to collection of cash from the sale of the finished products. Typically, a firm purchases raw materials and creates products. These products go into inventory and then are sold on account. Once the products are sold often on credit then the firm waits to receive payment, at which point the process begins again. Understanding the cash conversion cycle and the age of account receivables is critical to successful working capital management.

As you know, the cash conversion cycle is divided into three parts: the average payment period, the average collection period and the average age of inventory. The firm’s operating cycle is length of time from the receipt of raw materials to the collection of payment for the products sold on account. The operating cycle is therefore the sum of the inventory conversion period (the average time between when raw materials are received into inventory and product is sold) and the receivables conversion period (the average time between a sale and collection of the receipt). Note that the operations of a merchandising enterprise involves purchasing (the purchase of merchandise), sales (the sales of products to customers, and collection (the receipt of cash from customers).

Some Operational Guidance:

There is gathering empirical evidence suggesting that effective working capital management begins with assessment of operating cycle and optimizing cash flows from firm’s operations. Management must know, understand and anticipate the impact of cash flows on firm’s operations and its ability to maximize the profit producing capacity of the enterprise. Effective cash management is critical to the success of a business enterprise. It is all about cash flows.

One of the best ways to increase cash availability is to accelerate the receipt of incoming payments by reducing the age of account receivables using appropriate mix of incentives and penalties. A firm must evaluate current payment processes and identify effective options to expedite collection of account receivables.

There is strong evidence suggesting improving payment processes and moving to electronic alternatives will maximize liquidity and better manage costs of receivables. Liquidity is critical to the success of every business enterprise and effective cash management is the core of liquidity. In practice, a careful analysis of cash flows and assessment of investment strategies and policies is required to ensure that a firm has appropriate tools needed to maximize firm’s liquidity, and optimize cash flow management.

A firm optimizes cash flow management in its operating cycle by rationalizing-streamlining and improving the ways it manages the inflow of cash receipts, makes outflow cash payments and minimizes the age of account receivables. A firm needs digital records, electronic banking, robust internal controls and agile accounting systems for quick reconciliation of bank statements through timely access to bank accounts, customer records; and synchronizing cash flows, accounts payables, and accounting systems for increased efficiency.

Best industry practices include analyzing cash flows monthly to determine ending cash balance (the difference between total cash inflows and total cash outflows). The goal is a rising or positive periodic ending cash balance; Monitoring customer balances to manage account receivables (money owed to the firm from customers); and appropriate pre-qualifying processes before extending credit to customers is essential to minimizing incidence of bad debts.

A tracking system that monitors outstanding receivables and sends automatic reminders, invoices and statements is a useful tool. Some firms use factors by selling their receivables to factoring companies to ensure steady cash flows; Slowing down cash disbursements: Prudent cash flow management dictates that a firm retains cash as long as possible. Optimize cash flow management by paying on time while utilizing all accommodations consistent with the calculus of financial advantage. Finally, borrow long and lend short and time large expenses by setting aside small amounts to fund large expected expenditures. Always remember that long term liabilities become current liabilities in the accounting period in which they mature.

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Source by James Gaius Ibe

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January 29, 2020
Holistic Healthcare versus Traditional Western Medicine

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The Western medicine community recently asked the question: Will Alternative Healthcare, a.k.a. Holistic, Metaphysical, Energy or Mind, Body, Spirit healing and Western Medicine (WM) merge? This question implies there is reason to wonder and/or we need to consider the benefits a merger might create. The consideration of merging Holistic, Metaphysical, Energy or Mind, Body, Spirit healing and Western Medicine is analogues to comparing apples to oranges. The only comparison between apples and oranges is that they are both fruit–but the comparison ends there. Holistic, Metaphysical, Energy or Mind, Body, Spirit Healing and Western Medicine is diametrically polar opposites with nothing in common, except the subject (you). I will explain.

In order to understand the ideology of Western Medicine, you need to examine the language used by doctors and researchers. Their choice of words reveals their belief systems and the models they use to understand the way they think healing works. When observing the state of Western Medicine and the unprecedented influence of pharmaceuticals and over-the-counter (OTC) drugs, an interesting paradox arises. The drug companies claim that pharmaceuticals and OTC can do wonders for people: lower cholesterol, end clinical depression, reverse osteoporosis, eliminate allergies, cure cancer, cure MS, calm children and many other similar promises.

If prescription or OTC drugs are so good for people, where are all the healthy medicated customers? The truth is, there aren’t, any. There’s nobody taking twelve prescriptions or OTC drugs with a clean bill of health. In fact, the more prescriptions a person takes, the worse their overall health. And if you approach the healthiest people you can find and ask what prescription drugs or OTC drugs they’re taking in order to be so healthy, they’ll give you a confused look: Healthy people don’t take prescription or OTC drugs!

This sort of language is not uncommon from researchers in Western Medicine. They perceive the human body as a battleground on which wars are waged against invaders (viruses, bacterial infections and tumors). Beginning with the Victorian era, Western society has become addicted to quick fixes and results with no effort. Western Medicine has in some instances provided this result. When Western Medicine doesn’t produce a ‘quick fix’ result the answer is: “Sorry, it couldn’t be helped–the surgery was a success, the patient died.” It is interesting to note the AMA reports a dismal success rate–approximately 250,000 people die each year due to misdiagnosis and/or the treatment does little or nothing to improve the person’s health. In other words these people didn’t die due to an illness they died due to the wrong treatment.

Western Medicine’s theory and doctrines fail to recognize that diseases are not separate from the person. In fact every disease can be more accurately called an expression of the patient’s lifestyle, beliefs, and energies. Cancer is not a tumor, for example: it is a systemic disorder that can only truly be cured by helping to support the body, not by attacking it with chemical bombs or knives. The tumor is merely one physical expression of the systemic disorder, and simply removing the tumor does nothing to cure the disease. The body is designed to heal itself–given it has the proper care–nutrition, herbal supplements, spiritual and emotional well-being.

The body is designed to heal itself provided it has the proper support to do its job. Traditional Chinese medicine (TCM) is based on a concept of balanced qi (pronounced “chee”), or vital energy, that is believed to flow throughout the body. Qi is proposed to regulate a person’s spiritual, emotional, mental, and physical balance and to be influenced by the opposing forces of yin (negative energy) and yang (positive energy). Disease is proposed to result from the flow of qi being disrupted and yin and yang becoming imbalanced. Among the components of TCM are herbal and nutritional therapy, restorative physical exercises, meditation, acupuncture, and remedial massage.

Holistic, Metaphysical, Energy or Mind, Body, Spirit healing has existed since the beginning of time amid religious beliefs and practices, along with the mystery, superstition, fear, and misunderstanding. Holistic Healing is now becoming recognized regardless of what anyone chooses to believe or think. Ask almost anyone about their spiritual well-being and they will probably tell you, “Yeah, I am a spiritual person, I go to church frequently.” Therein, the confusion arises out of the association of healing with religion. The majority of people, including religious leaders, do not understand the difference.

Definition: “HEAL” 1. To restore to health or soundness, 2. To set right, repair, 3. To restore a person to spiritual wholeness, 4. To become whole and sound, to return to health.

Definition: “SPIRIT” 1. The vital principle or animating force within living beings, Incorporeal consciousness. There are about twelve more elaborations mostly to do with various religious implications.

Definition: “RELIGION” 1. Belief in and reverence for a supernatural power or powers regarded as creator and governor of the universe, 2. A set of beliefs, values and practices based on the teachings of a religious doctrine.

Thus, based on Western Medicine’s common interpretations of how things ‘ARE’, many paradoxes are created. The resultant effect is confusion and un-wellness. The Truth, as Carl Jung and others have carefully worded in their writing, is this: Every Thing in the universe is Energy and Consciousness. How anyone thinks or feels about that Fact cannot change it. The purpose of All religions is the recognition that humans have a part of themselves that is not physical and there is a need to explore and experience this aspect of themselves. Part of the intent is to discover one’s purpose and to live in the best way possible. Another part of that goal also includes the attainment of Truth and Spiritual Wellness. However, the result of religious teachings with regard to our Spiritual health has been an abysmal failure. If the most important aspect of our being is our Spiritual self, and it has been neglected, it is a miracle we have existed this long.

Many churches are in a state of extreme confusion in an attempt to avoid accepting the “Truth.” The greatest struggle is how to incorporate all the now known knowledge and assimilate it into the religious dogma and theology. The problem is the impossibility of reconciling the obvious flaws in most theology and doctrine. The obvious shortcomings and how political and nationalistic and other special interests and agendas have resulted in a history filled with disappointment, tragedy, confusion and religious wars.

In many cultures it has always been thought and/or known that we are spiritual beings, the biggest exception is in western industrialized cultures that we believe we are people who happen to have a soul. Eastern philosophy believes we are a soul first, housed in this thing called a ‘body.’ The most beautiful and simple interpretation of how everything ‘IS’ can be found in the Native American tradition. “Everything in the universe is Spirit, each thing in it is of the same Spirit and it is all Connected.” This is exactly what we are beginning to understand in science and quantum physics, that everything in the universe is made of the same thing and has a consciousness about it. The two things that frustrate scientists the most is the fact that all these

things operate across time, space and dimensions they do not yet understand, and the ability of things to operate on inter-dimensional and multi-dimensional levels. A high degree of new understanding about the science and physics of what spiritual really means is now mostly coming from independent researchers. High-tech and aerospace research physicists and scientists, all seem to have a more concise and accurate understanding of Spirit and the Spiritual than those from a theological background.

The Reality and The Truth of Spirit–In plain language, there is only One God or Universal Energy that Is Everything. There is only One Consciousness. We are only one individuated expression of The One. All the dogma, theology and religious beliefs anyone chooses to pile on this truth is commonly referred to as Bunk. It is the lack of true knowledge and the application of these distortions, which have been the source of all emotional, physical and spiritual problems. Spirit is alive, it is something that is lived and experienced, the surest way to destroy or suppress it is to organize it and institutionalize it.

Spiritual Experiences teach us: Everything we think or feel affects oneself and others. We need to realize every feeling–anger, fear, hate, sadness, judgment–are mind generated emotions and need to be modified or eliminated. Left to fester–anger, fear, hate, sadness, judgment, creates physical reactions. For every physical reaction, a.k.a. symptoms–i.e. colds, cancer, MS, and everything from A to Z, there is a direct link to mind generated emotions. When these mind generated emotions are eliminated and the wounds created from long term and dysfunctional expressions are healed, the physical manifestation labeled as illness by Western Medicine is eliminated.

The bottom line is Health and Well-Being is affected by two factions–Doctors and Ministers. Doctors are trained as mechanics who work on the physical mechanism. They are in the Business of “Treatment.” They are Not Trained in the “Art of Healing”. Most doctors do not even understand the most rudimentary concepts of Healing. Most do not realize how they can produce damage and even induce death sentences on their patients.

There is little difference in the effects produced by an intentional damaging curse or a prayer prayed improperly, bad advice or simply some random negative thought. Ministers are trained in traditional theosophical dogmatic perceptions specific to the cultural religious views they ascribe to. Most people have little concept about True Spirituality or how the universe really operates. As a consequence they convey misinformation, half-truths, superstitions and fears along with a multitude of associated damaging information into a person’s consciousness. The result of which is Confusion and Paradox–which leads to distress, disease and un-wellness.

Both the good in our lives and the dis-eases we have are the results of our experiences, conditioning and beliefs. It is the experiences, conditioning and beliefs that are counter to our true nature that causes the damage. No matter how dire a client’s predicament seems to be, I Know if they are ‘Willing’ to do the emotional and spiritual work of releasing old habits, beliefs and forgiving, everything can be healed. The word ‘incurable’ used by Western Medicine really only means that the person can not be ‘cured’ by ‘outer’ methods and that they must Go Within to effect their healing. The condition was created as a way to cope–it came from within and can be healed from within. Reference: Heal Your Body, Louise L. Hay

Since Holistic/Metaphysical Healthcare focuses on supporting the Mind, Body, Spirit to heal itself as it is designed to do and Western Medicine perceives the human body as a battleground on which wars are waged with chemical bombs and scalpels against invaders, how can these divergent ideologies be merged?

The answer: They can’t be–i.e. water and vinegar doesn’t mix–it is metaphysically impossible. Likewise, it is metaphysically impossible to merge Holistic, Metaphysical, Energy or Mind, Body, Spirit healing and Western Medicine. Anyone who would consider such a merger does not understand the laws of Holistic, Metaphysical, Energy or Mind, Body, Spirit healing.

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Source by Dorothy M. Neddermeyer, PhD

Views: 0

January 28, 2020
How To Use Cayenne To Cure Bad Breath

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Bad breath or halitosis is a common cause for worry and embarrassment for many people especially when the condition becomes chronic, meaning the person suffers from it all the time. It makes them very conscious of their surroundings and it may hinder the social life of the person. Those people may want to begin eating more cayenne pepper, as it has been proven to be a simple solution to many bad breath problems. While it will probably not work as a permanent remedy, cayenne pepper has been noted as a possible substance for treating mild cases of halitosis.

Bad breath may have its origin associated with oral problems (teeth and gum problems), systemic problems (those arising from the respiratory tract, lungs, stomach and digestive tracts) or from illness such as cold, infections in the throat, tonsillitis, etc. It may also be caused due to drying of the mouth (xerostomia) and due to poor oral hygiene.

If the condition is caused due to systemic problems, it can be reduced by removing or treating the systemic cause. Bad breath due to problems from the stomach is associated with conditions such as gastritis, reflux, heart burn, ulcers, etc.

Treating such systemic conditions is done with the help of drugs that are prescribed by a physician. In addition to this, there are some herbal cures and some homemade remedies that help alleviate the problem to certain extent. One such option to cure systemic conditions arising from the stomach is Cayenne Pepper. Cayenne and bad breath are polar opposites. The chemicals in this food attack and can break down many of the internal gastrointestinal chemicals which cause bad breath. Again, while it may not work for all people, this is a fast and easy way to prevent bad breath problems from arising in the first place.

Cayenne, whose scientific names are Capsicum frutescens or Capsicum annuum, is a hot pepper that is derived from capsicum and has an active ingredient called capsaicin. It is regularly used to treat a variety of conditions such as sinusitis, headaches, asthma, diabetes, pneumonia, arthritis, psoriasis, etc. It is helpful in improvement of blood circulation and the removal of toxins from the body. It is also helpful in treating a variety of gastrointestinal problems and aids in improving the digestion.

This substance is used to combat bad breath both directly and indirectly. The peppers are used directly when the source for bad breath is a dry mouth and indirectly when the cause is an underlying gastrointestinal problem.

Capsaicin in the pepper is helpful in combating bad breath by improving the flow of saliva and stimulating stomach secretions. In cases of dry mouth, chewing on some peppers of cayenne improves flow of saliva and thus reduces bad breath.

Cayenne has been recommended in treatment of gastritis, ulcers and in dyspepsia (difficulties in digestion). It is also used to stimulate hunger by taking it in the capsular form before food. It helps in improvement in peristaltic action in the digestive tracts and in repair of the tissues of the stomach. It also helps the body in stimulating the release of hydrochloric acid that is necessary for digestion.

Combating these gastrointestinal problems helps in indirectly reducing bad breath as these problems are a cause for halitosis. In addition to helping you get more saliva in your mouth, this substance is also helpful in improving the clearance of waste from the system thus reducing intestinal gases that may cause bad breath.

Cayenne, though a hot pepper, is a helpful ingredient in reducing gastrointestinal problems and is frequently used by many people suffering such problems and associated problems such as bad breath.

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Source by Richard Wilkins

Views: 0

January 28, 2020
Mind, Body, Spirit Healing–Putting It into Practice

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Modern Medicine promotes the belief that health and wellness is a crap shoot, genetically driven and at best, pure luck. If the roll of the dice isn’t in your favor or your genetic make-up has been doomed six generations back, or luck runs out, Modern Medicine has a magic pill, chemical bomb or simply cutting out whatever organ is afflicted as a solution.

Norman Vincent Peale declared, “Change your thoughts, and you change your world.” Caroline Myss, medical intuitive extraordinaire states, “Every choice we make, every thought and feeling we have, is an act of power that has biological, environmental, social, personal and global consequences.” Wayne Dyer states, “We are responsible for everything in our lives, including whether the chemistry in our body works or doesn’t work.” If you believe health and wellness is a crap shoot, genetically driven or pure luck you have set the stage for body malfunction. If you believe as Norman Vincent Peale, Caroline Myss, PhD and Wayne Dyer, PhD, Deepak Chopra, MD believe your choices, thoughts and feelings are an act of power, and that you are responsible, then you are in control of your health.

To be effective Mind, Body, Spirit healing needs to be practiced on a daily basis–not after your body is being ravaged by a malfunction. Mind, Body, Spirit healing is a process that maintains and supports health and wellness, thereby prevents body malfunction. People who practice Mind, Body Spirit healing avoid having cancer, MS, heart attacks, strokes, and the 101 other afflictions from A to Z, which Modern Medicine has conditioned us to be plagued by from birth to death–for many a premature death.

The nine most frequent surgeries in America are Tonsillectomies, myringotomies, Cataract removal, Low-back surgery, Gall Bladder removal, Hysterectomies, C-Section, Sleep Apnea, Jaw pain.

As Dr. Myss stated–“…every thought and feeling we have, is an act of power that has biological,…consequences.” In order to change any biological consequence you need to change your thoughts, which changes your feelings. Your new thoughts/beliefs must be shifted to empower you to control your health.

To eliminate/avoid the most common reasons for surgery, it is important to know the thoughts/beliefs, which creates body malfunctions and healthy thoughts/beliefs to prevent or heal it.

Tonsillitis, Quinsy, Sore Throat – cause: Fear, Repressed emotions, Stifled Creativity, A strong belief that you cannot speak up for yourself and ask for your needs, Feeling unable to express yourself. Holding in angry words.

Remedy: “I release all restrictions and I am free to be me. It is my birth right to have my needs met. I now ask for what I want with love and with ease. My good now flows freely. Divine ideas express through me. I am at peace.”

Ear Infection – cause: Anger. Not wanting to hear. Too much turmoil. Parents arguing.

Remedy: Myringotomies are performed for recurrent ear infection, usually in children under five. Since your child is incapable of changing the thoughts/feelings you need to take the responsibility to change the child’s experience and foster the expression of feelings. Listen to and acknowledge your child’s feelings. Avoid talking at your child, talk with your child. There many excellent books on effective parenting. If there is turmoil, fighting and arguing between the parents–seek counseling to resolve your adult issues. I urge adults who have frequent colds/sore throats to use the following thought patterns. “I hear with love. Harmony surrounds me. I listen with love to the pleasant and the good. I am a center of love.”

Cataracts – cause: Inability to see ahead with joy. Belief in a dark future.

Remedy: “Life is eternal and filled with joy. I look forward to every moment.”

Gall Bladder problems-cause: Bitterness. Hard thoughts. Condemning. Pride. Fear.

Remedy: “I joyously release all hurts from the past. Life is sweet and so am I.

Uterus/ovary problems – cause: Allowing confusion to reign. Giving power to outside influences. Rejection of the feminine processes.

Remedy: “I am at home in my body. I am balanced in my creative flow.

C-Section-cause: Belief in old wives tales. Belief–childbirth should be painless. Fear. Stopping the process. Rejection of the feminine processes. Unhealed aftereffects of child sexual abuse/rape or adult rape cause the memory of trauma to interfere with the natural birth process. If you are a sexual child abuse or adult rape survivor heal the emotional and physical aftereffects. See http://www.gen-assist.com to find a sexual abuse recovery specialist, traditional therapy is not effective to guide you through sexual abuse recovery.

Remedy: Change your beliefs about childbirth. Take natural childbirth classes. A mid-wife and/or doula can lead you through a healthy delivery in the majority of instances. “I trust the process of life. I am safe. I am balanced in my creative flow.”

Jaw Pain-cause: Anger. Resentment. Desire for revenge.

Remedy: “I am willing to change the patterns in me that created this condition. I love and approve of myself. I am safe.”

Sleep Apnea: Stubborn refusal to let go of old patterns, overweight or tonsil malfunction.

Remedy: “I release all that is unlike love and joy in my mind. I move from the past into the new and fresh and vital.” Lose weight and follow remedy for tonsil malfunction.

Low-Back Pain L-1 to L- 5 – cause: Crying for love and a need to be lonely. Insecurity. Stuck in childhood pain. See no way out. Sexual abuse. Guilt. Self-hatred. Rejection of sexuality. Financial insecurity. Fear of career. Feeling powerless. Insecurity. Difficulty in communicating. Anger. Inability to accept pleasure.

Remedy: “I am safe in the universe and all Life loves me and supports me. I grow beyond my parents’ limitations and live for myself. It is my turn now. I release the past. I cherish myself and my beautiful sexuality. I am safe. I love who I am. I am grounded in my own power. I am secure on all levels. I deserve to enjoy life. I ask for what I want and I accept with joy and pleasure.”

Tip: Write these thoughts on a 3X5 card. Read them silently or out loud 3 times upon awakening and before going to sleep. Have a copy with you, if you notice you are running the old tapes in your head, read the new thought pattern. Within 30 – 45 days you will notice you feel better, more energized and have a sense of relief.

The food we eat or lack of proper nutrition contributes to physical malfunction. I will discuss nutritional needs–titled Holistic Nutrition.

Article resource: Heal Your Body, Louise Hay.

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Source by Dorothy M. Neddermeyer, PhD

Views: 0

January 27, 2020
The Renegade Network Marketer is Attraction Marketing

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In case you have not read the eBook by Ann Sieg called The Renegade Network Marketer, be sure to get your copy here. By reading this book you will learn new concepts on how to build your Network Marketing business or any business the smart way in this digital age.

Inside Sieg’s book she targets a distinct group of people that are discouraged that their Network Marketing business is not going as planned. Every single day this group searches the internet for solutions and the Renegade Network Marketer provides the answers. Ann has exposed the upline sponsors for the ever tiring methods and myths that they are teaching to new recruits. If you have grown weary of hitting on or have just plain run out of friends and family this system is perfect.

The Renegade Network Marketing eBook is full of valuable and practical information on how to prospect, market, and sell, specifically in the Network Marketing industry by using the internet. Even if you don’t belong to a Network Marketing Business, you can still purchase The Renegade Marketing System eBook and still make money as an affiliate.

A new doorway has been opened by The Renegade Network Marketer which is leading the way to working smarter in attracting targeted prospects into your network marketing funnel. You will learn how to how to qualify prospects, position yourself as an expert and how to make your internet marketing efforts count. In order to keep you ahead of the trend in professional network marketing, there is ongoing continuous training. Whether you are just starting out or you just want the know how to grow your business this marketing concept is flawless.

Cash flow is vital to any business and Sieg has also incorporated in her system the opportunity to make multiple streams of income. When you purchase the e-book you also gain access to a Back Office with a huge amount of information and tools to market and track your new business. Once you’ve read the book, you’re ready to get started setting up your own attraction based marketing system.

The difference with being directly linked to Ann is that she has an incredible team and system in place. This is backed up with free membership in the Renegade System where you can put what you have read into practice right away. You’ll find many other helpful resources at The Renegade System website such as website development, copy writing and traffic generation.

Ann has taken attraction marketing to a whole other level by teaching the principles of marketing. The ideas I got from the book suddenly opened my eyes to see network marketing business in a totally new light. The path in front of me has never look so bright. In our lifetime as network marketers we have no doubt made several attempts at making money did not go exactly as planned. Would you agree that those attempts in question had to do with the number of people that didn’t find your network marketing business as attractive as you did?

In a nutshell, The Renegade Network Marketer eBook renders a complete Internet attraction marketing system for network marketers at a very low cost. The book comes risk free with a money back guarantee. This kind of training which is always being added could very easily cost thousands and I am sure somewhere it does. If learning the highly coveted secrets on how to attract and qualify prospects instead of chasing them down appeals to you then this eBook is for you.

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Source by John Kellerman

Views: 0

January 27, 2020
Hematoma Treatment – Traditional & Alternative Medicine

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In this article I’m going to talk about traditional hematoma treatment as well as alternative medicine.

A hematoma takes places when blood builds outside a blood vessel and they can happen anywhere. It usually happens when there is an accident or trauma, such as falling off a ramp when skateboarding or getting hit by a post office truck.

Other causes could be drugs, diseases, high blood pressure and cancer. You might be wondering, how do you know if you have a hematoma.

Well the skin can change colors such as become darker, there could be pain, inflammation and swelling.

Traditional treatment usually involves R.I.C.E. Have you heard of R.I.C.E. Before? It stands for rest which is when the body heals itself, so many times it might just be the best medicine. Elevation, ice and compression which all reduce the inflammation and improve the healing.

If the injury is really red, there is pus coming out of it or if it’s in an eye, it’s best to see a doctor.

Plus if you notice hematomas occurring without any injury it’s best to get it checked by a doctor because it could be serious.

If you are wondering if there are better treatments or alternative medicines the good news is that there are tons.

One of my favorite things is coconut oil, which has millions of uses. In a study at the U.S. National Library of Medicine they took rats and split them into groups. Some received coconut oil and some did not. Wounds treated with coconut oil healed much faster.

Another idea is bromalean which can help a lot. In a study by the third medical university at China researchers took 16 pigs and shot them with high velocity rifles. They divided them into groups and the group that received bromalean healed much more.

The way it works is it increases the flow of blood and oxygen to the wound and reduces inflammation. Plus it activates growth factors, which are needed for healing.

If that wasn’t enough it helps with burns. In Bursheba Israel they took pigs, burned a few and bromalean really improved the healing. It’s seems like they have something against pigs right? They are shooting them and burning them, poor pigs.

If you really want to heal a hematoma or a skin injury believe it or not they even have a stem cell gun. It takes an hour and a half to isolate the cells and spray the skin. Then it only takes a few days for the treatment to work and the skin is brand new again.

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Source by Kevin Whitsitt

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January 26, 2020
Using Reiki to Heal a Broken Heart

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When dealing with heartbreak the widespread belief is that time will heal all wounds. Although this is most assuredly true, there is a way to accelerate the healing process to bring some much needed emotional relief. That way is Reiki! Reiki (pronounced Ray-Key) is a form of healing energy that was first discovered in Japan in the early part of the 20th century by Dr. Mikao Usui and was later brought to the United States in the 1950s. It is now beginning to become more main stream as an alternative treatment for healing and well-being and is an excellent way to speed up the healing of a broken heart.

Reiki is gentle and non-invasive and has been shown to dissolve energetic blocks in the body which in turn allows the body to heal more rapidly. In his book, Reiki, the Healing Touch, William Lee Rand describes Reiki as being able to heal,”…by flowing through the affected parts of the energy field and charging them with positive energy. It raises the vibratory level of the energy field in and around the physical body where the negative thoughts and feelings are attached. This causes the negative energy to break apart and fall away. “

Since Reiki works on both a physical and spiritual level, it offers extra support when one is going through a break-up. Reiki is administered by the Reiki practitioner placing his or her hands on the client and allowing the Reiki energy to flow through his or her palm chakras. The Reiki energy then enters the client’s body and dissolves blocks of energy it encounters thus harmonizing the body and spirit of the client. This in turn allows the client to more readily heal from emotional and spiritual trauma caused by the break-up.

Many Reiki practitioners are also able to clear out and balance the chakras of their clients. Having a Reiki practitioner clear out and balance one’s heart chakra, specifically, during this delicate time will not only help one to become more loving and kind to oneself, but may also allow one to more quickly be able to trust and offer love in a future relationship.

Reiki is a powerful yet simple holistic modality that everyone can benefit from and especially those dealing with a recent loss. If you feel that Reiki treatments are something you would like to pursue to assist in your healing process, you may find a local practitioner by doing an internet search of Reiki practitioners. However, not all practitioners are the same nor charge the same price and just because a practitioner charges a great deal for a treatment does not mean he or she is the best practitioner.

It is best to do a thorough investigation of all practitioners you find in the area and compare not only prices and services offered but to also call a few practitioners to ask questions about his or her practice. This way you will get a better feel for each practitioner as an individual and can decide on whom you intuitively feel best about booking time with for your first appointment.

In most cases, after just your first session, you will begin to feel much better both physically and emotionally. The most common experience among Reiki clients is a feeling of deep relaxation and well-being during and after a Reiki treatment with the more profound healing results being noticed after a few sessions.

Reiki is an excellent way to speed up your emotional healing and I highly recommend it to anyone experiencing any type of heartache.

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Source by Nancy Fowler

Views: 0

January 25, 2020
Fast Business Loans – 3 Strategies to the Right Choice

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Entrepreneurs and business people alike are finding themselves in need of a fast business loan to help shore up working capital as the economy continues to falter. While a loan at a commercial bank may be an option for some, there are a number of factors that prohibit businesses from going this direction for their capital funding needs. Chief among them is the low approval rate and lengthy application process. While these loans may have the best rates and terms, many businesses find themselves with urgent capital needs.

Consequently, many lenders have entered the marketplace that purport to be “fast business loans”. It is important that all business owners take a very sober and honest appraisal of these types of loans in order to make a decision that will positively affect the outcome of their business.

1.)Read the Fine Print- Any lender that is claiming to offer “instant business loans” should be viewed with skepticism. Most of these lenders may be traditional “payday” type lenders or signature loan lenders that are trying to capture some of the business market. Usually the loan amounts are very small, often under $5000, and the interest rates and fees may be exorbitant. Never pay a fee upfront to apply for any loan, online or off.

2.)What is the Loan Purpose?– It may seem obvious, but any business looking for a quick business loan may not be actually considering this question other than “paying a past due bill” or something like that. If the loan is not being used to generate additional revenue, or consolidate bills that will open up additional cash flow, a business person should strongly consider against it, even if they do have an over due bill. Moving debt from one lender to another, often at higher interest rates is a dangerous shell game for any business.

3.)What is the interest/factor rate?– This one simple fact usually holds up in all forms of lending. The faster you get the money, the more you are going to pay for it. The reason is simple. True dedicated underwriting which helps a lender understand their risk and set the interest rate for the loan accordingly requires documents from the prospective borrower. If a lender is going to forgo this and underwrite the loan purely on electronically available means, it usually means you will be paying a very high interest rate to compensate the lender for this additional risk. Luckily there are options now that can get loan fundings to business owners in 7 to 10 days without paying extremely high interest rates.

The bottom line for a those seeking fast business loans is, do not let your sense of urgency override good judgment and common sense. Take the time to understand all the terms correctly, and keep asking questions until you get an answer. The consequences may be disastrous for your business and business lenders do not necessarily have your best interest in mind.

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Source by Neal Coxworth

Views: 0

January 24, 2020
Advantages and Disadvantages of Alternative Medicine

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There are reasons why people chose alternative medicine and reasons why they avoid it, preferring conventional medicine. Alternative medicine is safer than standard health treatments and usually works. It’s true that it can’t be used in severe conditions like car accidents or other severe emergencies, but be that as it may, there are enough situations in which alternative medicine is recommended. When it comes to emotional and spiritual needs, non-conventional medicine may come up with the solution. Furthermore, it’s better for preventing illnesses than standard medicine. More and more physicians nowadays agree upon the benefits of alternative medicine and also even advise their clients to choose the best natural treatment for them.

One of the advantages of alternative medicine is that it encompasses a broad range of therapies, treatments and products, thus the search for obtaining positive results doesn’t flow on a narrow path at all.

A pretty important disadvantage states the idea that, even though the expenses of using acupuncture or chiropractic are sometimes covered by health insurances, the majority of alternative treatments are not reimbursed.

There are certain risks that come along with the usage of natural remedies. Despite the use of herbs throughout the years and even ancient times, not all of them have been studied regarding their safety and efficiency. There are issues concerning their purity and their possible interaction with other substances related to conventional therapies. The majority of information regarding herbs have been perpetuated throughout history and with the help of tradition. Many people assume that herbal medicines are better than synthetic drugs simply because, well, they are natural and not synthetic, therefore present no risk. But they are not risk free; they can do more harm than good if taken without having the details of their effects over the body.

People might abuse of natural medicines the same way as they do it in the case of synthetic drugs. They have the misconception that if unconventional medicine consists of herbal products which are natural, then there is no harm done if they triple the dosage or more. This is totally wrong and can have serious consequences. Take vitamins for example. They are just vitamins, right? They can’t possibly do any damage inside the body. But they do. Vitamin overdosing or vitamin toxicity can lead to unpleasant effects depending on the vitamin that has been taken one too many times. Vitamin A over dosage can cause liver problems, osteoporosis, hair loss and other dangerous effects and Hypervitaminosis D leads to dehydration, vomiting, anorexia and even kidney stones.

An advantage of using herbal remedies concerns the effectiveness related with chronic health issues that don’t respond well or even at all to traditional medicines. If long term medication is needed, then herbs are pretty much safer than conventional drugs. The alternative medicine industry takes advantage from this and keeps evolving and developing due to the constant need for natural remedies.

Another advantage is the low cost of herbal products compared to synthetic drugs which are highly priced for the simple reason that researching and testing the products is expensive. Furthermore, herbal products can be bought without a prescription and are easy to procure. The availability of natural remedies is outstanding; chamomile for example can be easily picked out from a nearby field.

The advantages of using herbal medicines are numerous, but so are the disadvantages. The best idea would be to consider modern medicine according to the severity of the illness, to consult a physician upon the proper medication and dosage and if you do chose the alternative medicine, try to gather enough information upon both kinds of treatments, natural or synthetic, so you may reassure yourself that you took the right decision to balance your health situation.

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Source by Peter Rosenblum

Views: 0

January 24, 2020
The Different Types Of Heart Doctors

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There is more than one type of doctor in the world, and when people are sick, they generally have to begin by going to their family care doctor. From their general practitioner, people are then referred to various kinds of other doctors depending on what is wrong with them. For people who have problems with their heart, or may be predisposed through their family history to develop heart issues, then cardiologists are the doctors that they have to go see. However, there is more than one type of heart doctor depending on what the exact problem with the heart is.

For a part of the body that is as important as the heart, there are many different kinds of heart doctors that can deal with problems concerning the muscle itself, the rhythm of the heart, and the circulatory system that it is involved with. However, for people who are unfamiliar with the different kinds of heart doctors, here is information on who they are and what they do:

• General cardiologist: The first stop for someone who may have a heart issue is a general cardiologist. This is a basic heart doctor that will do things like monitor the overall health of the heart, and treat some problems, but for particular problems, this heart doctor will refer their patient to the next level of cardiologist, which is an interventional cardiologist.

• Interventional cardiologist: While a cardiologist can do some basic surgical procedures involving the heart, an interventional cardiologist treats more specific heart problems, and those problems are coronary artery disease, diseases of the heart valves, and peripheral vascular disease. The most common procedure that these cardiologists do is the angioplasty, which is when a balloon is inserted into an artery in order to help the blood flow to the heart.

• Electro physiologist: This type of heart doctor has a very specific area of the heart, and that is the way that the heart beats. In order to circulate blood through the body properly, the heart has to beat in a special way. There are tests that the electro physiologist has to run to determine what is going on, and if a procedure needs to be done, this doctor can do it.

• Pediatric cardiologist: Pediatric doctors help children who may have been born with some kind of heart abnormality. To make sure the heart is functioning properly in a child, a pediatric doctor will do some in-office testing, and make sure everything is working fine as that child grows into an adult.

A regular cardiologist can do the general health check of the heart, but if someone needs a heart procedure, there are other cardiologists that specialize in operating on the heart to do things like clear out the arteries and repair the valves. There are also many different kinds of heart doctors that can do things like monitoring the heart to make sure it’s healthy, and also treating various conditions.

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Source by Robin Khan

Views: 0

January 22, 2020