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Money Has a Cost

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When I speak about the “cost of money” I am talking about just that. Allow me to explain it here to avoid boring you by repeating the same definition whenever I talk about it. All money has a cost

Money is either used to make you money or you have lost the opportunity for your money to make you money. Or at least to make you as much as it could.

If you are borrowing money to operate your business this money has a price. The price, of course, is the interest you are paying on the money while you are borrowing it. If you have money that you are holding in the form of cash in a low interest bearing account or short term investment, this money may also be costing you money.

How? Simple. Let’s say you are in a good cash flow situation and you have a cash balance of $50,000. You know this money will be needed for operational expenses in the near future so you let it sit in your business checking account or a short term liquid investment account. Let’s say you are earning 1/2% interest during this time.

It might seem that this money is working for you making you money, and indeed it is. But the question is whether or not this is the most effective use of that money. If your money is in one place it cannot be in another at the same time. Obvious right? Well, if your money is tied up in the bank you must ask yourself – is this the best place for it? Is there another use you could put this money to in order to earn more money?

For example, can you pay some bills off early and take a trade discount of 2%. I will cover this in future articles but for now think and understand money has a cost. If your $50,000 sits in the bank earning 1/2% interest you will earn $250 per year. Now I know I have not factored in compound interest but I want to give a simple example of how you should think.

If you have the cash sitting for 30 days you will have earned 1/12th of this $250 or $21. But what if you had used that $50,000 to pay off bills early and get a 2% discount? A 2% discount on $50,000 is $1,000. A simplistic example to be sure, but even using this you have increased the return on your money significantly.

Leaving your money in the bank had a cost to you. A lost opportunity cost. An opportunity to use this money to make you more money. But you must consider your cash flow, no matter how effectively you might otherwise use your money, you only have so much of it to use and therefore the availability of cash must be considered.

Money does have a cost. If I have used $10,000 to pay an invoice early that offered me a 1% discount I have saved $100. If I used that same money to pay a bill early that offered me a 2% discount I have doubled my return on the use of that money as I have saved $200.

Do you see my point? Now put aside any cash flow questions for a minute while I make another

point.

Now what if I did not pay any bill off early, but instead put that $10,000 in an investment for 12 months paying me 1%? Have I not done well by earning $100 on my money? It would seem so, but this is not the case.

By paying off an invoice early to take advantage of an early payment discount, you will save much more than the discount. When you earn a 2% discount by paying an invoice early, you are earning a return far greater than 2%. Unless you understand this there will be no way you can properly determine whether the best use of your money is to pay the invoice off and take the discount or not.

The formula is simple so don’t despair. Here is the formula:

365 x discount rate

Effective annual interest = —————————————

Number of days payment must be

made ahead of the due date to earn this discount.

So if a supplier offers you terms of “2/10 net 30” what is the effective rate of interest? Well, first

of all, he is offering you a 2% discount if you pay in 10 days. The normal terms are 30 days. This

means that to get the 2% discount you must pay 20 days early.

For this example we are assuming that you would normally comply with the 30 days terms.

For the sake of this example let us say the amount of the bill in question is the same $10,000 we have been talking about. This is what your formula looks like:

365 x.02

Effective annual interest = ————– =.365

20

Your effective annual interest rate is 36.5%. Obviously, even if you had to borrow the money to pay off this invoice your rate of return will be well worth it.

Do not think I am suggesting paying off discounted invoices as the only option you want to look at. I have simply chosen this often overlooked strategy as an example.

You must always consider all your options for using your money. The goal is to seek out the most profitable option available to you at any given time.

Never forget that money has a cost. How you use it can make a great deal of difference to your bottom line.

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Source by Derrick Welch

Views: 0

November 10, 2022
Words Can Help Heal – Sending a Pet Loss Card

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Anyone that has ever owned a pet knows that no matter how small an animal is, they each have their very own personality. Pets appreciate you. They look forward to seeing you daily. They make you feel wanted and needed. They can get you out of a funk. It is no wonder that we get attached to our pets.

Losing a pet is one of the hardest things that a pet owner will ever have to face. When someone loses a husband, a parent, or a child, we automatically think to send a card. We sometimes underestimate the importance of sending a pet loss card to a loved one. It is equally important to show you care by sending a heartfelt message. Simple words can mean so much to someone. It is comforting to a person who has lost a pet to know that their loved ones recognize their loss and respect their feelings of grief. The support of close friends and family during any loss can make the process a little easier to go through.

There are many way to express sympathy in a pet loss card. Here are some tips when writing words of comfort in a pet loss card:

1. Make sure to use your loved one’s pet name. Instead of saying “sorry about your dog”, say “sorry to hear about Max”.

2. If you have a specific story that your loved one ever talked about, mention it. It shows that you cared about the life of the animal and that not only were you listening, you were thoughtful enough to remember it.

3. Depending on your friend’s beliefs, mentioning the pet being in heaven can be comforting.

4. A lot of the time, pet owners feel some sort of guilt for having to euthanize a pet. It is important to let them know what good pet owners they were. Remind your loved one how awesome they were to their pet, and all the special little things they did to make their pet feel loved and special.

5. Offer your time. Mention that you are available any time to get a bite to eat, go out for coffee, or just listen. It helps not to be alone when you’re grieving. Although a lot of things probably aren’t exactly fun right away, doing things to keep your loved one’s mind off of the loss of her pet can help with the healing process.

No matter what you choose to say, make it personal. Remember that this pet played a huge role in your loved one’s life, and that your words mean more than you might know.

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Source by Lisa Falsetti

Views: 0

November 10, 2022
People Are Not Very Supportive Of My Marital Separation. They Aren’t Happy For Me If Things Improve

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I sometimes hear from people who are getting some hurtful feedback from those who are supposed to be “supporting” them during their marital separation. Sometimes, this so-called support comes from friends or family members. It can even come from the “support group” that you specifically joined in order to feel lifted up during your separation, which can be incredibly disappointing. Someone might say, “I did not really want to burden my family, friends, or coworkers with details about my separation. They know that I am separated, but I just don’t want to hear people’s personal opinions about my husband or my marriage. I am hoping to reconcile and so I don’t want to influence their opinions about my husband or about our relationship. However, I wanted a place to talk things through and to feel supported so I joined a support group for people going through a separation / divorce. The first week felt pretty good, but maybe that is because everyone was on their best behavior. I have to admit that the last few weeks, it really hasn’t gone well. I want to reconcile with my husband. I was looking for people who could identify with what I was going through to keep my spirits up while I was waiting to see what happened with my marriage. However, many of these people are getting ready to divorce and are quite bitter and angry. If I try to relay good news that happened between my husband and myself during the week, I sometimes get sarcastic comments. Someone might say ‘well, just wait. He’s just trying to be nice to you so that you’ll accept the divorce later.’ These type of comments are obviously not what I want to hear. I don’t mind expressing my fears, but I want people to try to talk me down or to help me look on the bright side. I don’t want people to tell me that the worst case scenario is going to happen or that all separations end in divorce. This is why I didn’t tell some friends and family, but now I am getting this with the support group. And yet, I know that I need support, so I am not sure what to do.”

I can really identify with what you are saying. I told some people about my own separation and I really came to regret it. Some of my friends became really angry with my husband and never really got over it – even after we reconciled. By then, I’d long forgiven my husband, and I just wanted to move on. But some people wouldn’t let it go. The thing is, with some people, if you tell them your most personal issues, then you’d better be ready to talk about those same issues every single time that you talk with them because they want to keep bringing it up and picking the scab. That is why you have to be really careful about who you confide in. Some people will project their own experiences and fears onto your experience and obviously, this doesn’t help you. Just because there are people in the support group who may be headed for divorce, this does not mean that you will be. At some point, I just had to tell people who weren’t supportive that I valued their friendship, but that I needed to talk about something else. Then I sought support elsewhere.

If you have not tried counseling, that is probably the very best option for support. They are trained professionals whose only job is to help you. They don’t know you outside of this and therefore are not going to let other things bleed into the reason for your being there. That is really the ideal scenario, but if you are resistant to counseling, then you have to pick your “trusted support person” carefully. If you truly feel that the support group isn’t going to improve, then you want to make sure that if you decide to end this support system, then you have already replaced it with a new and better one. Honestly, my ideal support person was not who I thought that it would be. It was someone from work who I did not know very well and perhaps that helped. She didn’t have all of the history with me that some of my other friends did. And she had separated and reconciled previously so she understood my thought process. Our interactions always left me feeling better, and not worse.

I often journaled my feelings on weekends because I knew that I needed to get them out and didn’t have access to my best support person. I came to decide that I’d rather journal to release my feelings than to have unsupportive people make me feel worse.

It’s important to remember that you can control who you allow to influence you. It’s possible to politely retreat when people aren’t understanding or supportive. It can be really important to surround yourself with positivity because it’s easy to get discouraged. And it’s very important to remember that people’s unsupportive reactions usually have more to do with their situation than with yours. They are projecting their own life and their own problems onto you, which just isn’t fair. If the support group isn’t providing the support that you need and is just making you feel worse, there’s nothing wrong with politely seeking support elsewhere. Because support is very important, but it can be tricky and difficult to find the right, objective person or group of people. At the same time, you don’t want to alienate family and friends, which is why it’s fine to just change the subject and ask to discuss something else.

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Source by Leslie Cane

Views: 0

November 10, 2022
Dealing With Customer Complaints – B.L.A.S.T

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In a restaurant, not so far away, in the not so distant future, a telephone rings, a customer complains… and the battle begins!

Handling customer complaints doesn’t have to always be a battle, with the right tools and responses you can use complaints to your advantage; to help you build your business. B.L.A.S.T is a great tool that is used by companies such as Yum! (Parent company of KFC, Taco Bell, Pizza Hut, A&W, and Long John Silvers). Training their employees in the basics of handling customer complaints. The acronym stands for:

Believe

Listen

Apologize

Satisfy

Thank

How does your company deal with customer complaints? The easiest way to find out is to pick up the phone and play the role of the complaining customer. What happened? If you were an irritated customer, would you return? Using the B.L.A.S.T guidelines, allows you to create a standardized method for dealing with your complainers and turning them into loyal customers.

Believe

This is the cornerstone of handling a customer complaint. Yes, the customer may be lying and be incorrect about their situation. It is important to understand that your customer believes that your establishment has wronged them.

Listen

Stop and listen to your customer’s complaint. I’m not certain whether it’s natural instinct or just plain stubbornness. As soon as a customer starts to complain, we start to think of how we will respond to the accusation before we are done listening, and too often the case, already have the response ready to fight back. Take a second, relax, and listen. On occasion a complaining customer will be rude, angry, and use vulgar language, stay the course and remain calm and level headed.

When the customer is done venting; in a calm, non-judgmental tone, repeat their problem. An example I used in my KFC for a mispacked order:

“What I hear you saying is that, you came in ordered and paid for 10 Pieces of chicken and when you got home, you only received 8, is that correct?”

By repeating the problem at hand, you’ve demonstrated your ability to the customer that you heard and understood their problem.

Listen and clarify. Never defend or justify. The customer doesn’t care if you were shorthanded or if you’re having a bad day, they only care that they get taken care of. No excuses, just solutions.

Apologize

Always apologize even if you did nothing wrong. From your customers’ perspective, they have a legitimate complaint, and they expect an apology. It could be as simple as “I’m sorry we’ve inconvenienced you.” or “I’m sorry I know how frustrating it is to buy dinner for my family, only not to have everything there when I get home” A sincere apology will usually diffuse a lot of frustration that the customer has. There is an exception to this rule though, if a customer calls with a critical complaint, such as food poisoning, don’t apologize, it may be construed as an acceptance of guilt, instead refer to your company’s procedures for such events.

Satisfy

Make it right. Ask the customer “What can I do to make this right for you”? Be the judge of what is fair of course, but allow them the opportunity to feel empowered over the situation. Many times they may ask for the problem be taken care of on their next visit or maybe that you talk to the person who made the mistake and correct them. We used a great system of sending out a personalized postcard apologizing for the mistake, it was a couple of handwritten sentences (yes, many times with spelling mistakes from my team members), but it was personal and always well received. We always gave them the unexpected as well, maybe a free dessert or an extra side dish just to show that we cared about them.

Thank

At the beginning, at the end, in the middle; it doesn’t matter, thank the customer for calling and complaining.

Why? With the simple act of complaining, your customer is telling you “I care about your business and your success”. They are giving you the opportunity to fix the problem and invite them back so they can give you more of their money. Puts a different spin on it doesn’t it? Thank them for giving you that second chance, for letting you know that something in your restaurant didn’t work like it normally does, for giving you the chance to make it right, and for the opportunity not to damage your reputation!

Reputation? I had to throw that one in. You work hard, day in day out, trying the best to make your business the best, and yet one unhappy customer can take it away from you. A happy customer will tell two or three friends about a good experience, but an unhappy customer will tell at least ten friends about their experience and it always multiplies through word of mouth. Case in point, when I moved cross country to my new hometown, I was at a Chamber of Commerce event and being the new person in the group, I introduced myself and what we did. No sooner than five minutes passed did I get a list of 10 restaurants in my area that in their opinion were in “need of my services”. Only one person gave me a good restaurant. I didn’t ask, I was told. To this day I still haven’t been to those restaurants as a customer, why do I want to give them my hard earned money, when they made my new friends unhappy? It may not be a rational thought, but it is human nature.

Will some people take advantage of your kindness? Of course, a rule of thumb I used in my restaurant was:

First time shame on me,

Second time shame on me, but I’m watching you,

Third time… Shame on you and I will make the decision on how I will deal with you as a customer.

Keep track of who calls to complain, names, phone numbers for follow up, addresses for your postcards. Using a binder and tracking your complaints, you will be able to detect and deter those that would take advantage of your new complaint procedures.

Adding B.L.A.S.T to your expanding toolbox of customer service tools will help you in dealing with customer complaints and turn them around so they can tell their friends what great service you have!

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Source by Albert Barneto

Views: 0

November 10, 2022
The Five Pillars of Marketing Success

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Does the following give a pretty good picture of your current marketing activity?

You have a website but you’re not really satisfied with it. You go to networking events once in awhile. If someone asks you to give a talk, you’re happy to do it. You post on Facebook and/or LinkedIn semi-regularly. When you find the time, you send an article to those on your relatively small email list. You occasionally set up meetings with colleagues to explore opportunities.

Now there’s nothing wrong with any of those marketing activities. And usually, they will result in landing some new clients.

But this is not the approach that works to get a steady, predictable stream of new clients.

Please don’t tune me out here, thinking, “Well, I really can’t do more than this. I’m already stretched thin. If you give me too much to do I’ll get overwhelmed.”

I agree. It’s not that you need to do more marketing, it’s that you need to shift your marketing paradigm from one of “Randomness” to one that is “Focused.”

Random marketing is just that; it’s all over the place. You do a little bit here and a little bit there on an inconsistent basis. You are trying to keep your face, name, and message in front of your prospective clients but the results are unpredictable.

The Random marketing paradigm is not very effective because it doesn’t gain a lot of momentum. You don’t do enough of one marketing activity to grab the attention of your prospective clients and move them to take action.

The Focused Marketing Paradigm is very different. It’s based on repeatedly communicating very directly to your target market with a very definite end in mind. It gets the attention of your prospective clients and they ultimately take action.

The Focused Marketing Paradigm has Five Pillars

Understand and implement these five pillars and I promise you’ll see a shift in your marketing results.

Pillar One: Focused Goals

A Random goal is saying something like, “I’d like to attract a few more clients to my business.” Not very compelling is it?

A Focused goal is much more specific. “My goal is to land 3 new clients in the high-tech plastics business in the Houston area with an average project size of $30,000 each by the end of the year.”

The more detail, depth, and specificity about the goal, the better. You’ve really thought through what you want to achieve and also have confidence that you could deliver if you did reach your goal. It’s so real to you that you can taste it.

What is the Focused Goal for your marketing?

Pillar Two: Focused Program or Service

Random programs or services are generalized consulting, coaching or training programs. “I offer management consulting and training to corporations.” Kind of vague, right? But this is what I hear all the time.

A Focused Program or Service is more tangible. “I offer the high-tech plastics industry Management Acceleration Programs for emerging leaders in the industry.”

In my business, I’ve always offered programs: The Marketing Mastery Program, the Marketing Action Group, and the More Clients Club. And each program has very specific parameters, deliverables, and objectives. It sure makes intangible services easier to market and sell.

What is the Focused Program or Service you’re offering?

Pillar Three: Focused Target Market

In the above example, the target was the “high-tech plastics industry.” But it’s more common to hear things like, “I work with large companies who want to increase productivity.” This is too general and it makes it hard for clients to know if you understand them and can help them.

A Focused target market is where you are absolutely clear what kinds of people or companies can most benefit from your expertise. And then you articulate that clearly.

I worked with a financial planning company last year that targeted middle class families in the Buffalo New York area. Guess who they attracted to their practice? When people read about who they worked with on their website, they said, “That’s Us!” and called them.

Who exactly is your Focused Target Market?

Pillar Four: Focused Message and Value Proposition

A Random message or value proposition tends to be too general and can be hard to pin down. It avoids making a promise that is meaningful to the prospective client.

Messages such as, “We offer the best service in the industry,” or “Smart insights into great management,” are meaningless to your prospective clients. The value is not immediately obvious.

A Focused message or value proposition zeros in on exactly what your clients get and what it means to them. I admit that this can be the marketing pillar that is hardest to pin down. Ultimately you have to test a number of different things.

For the re-launch of the More Clients Club, my current value proposition is: “Everything Self-Employed Professionals Need in One Place to Attract More Clients.” And now, of course, I’m bending over backward to deliver on that promise.

And a marketing message or value proposition is much more than a sound bite. Your message must permeate every aspect of your marketing, from your website to the emails you send out. Your prospects need to be constantly reminded of the value you offer.

What is your Focused Message or Value Proposition?

Pillar Five: Focused Marketing Strategy

A Random marketing strategy is much like the collection of marketing activities I outlined at the top of the article. You’re just all over the place, throwing something at the wall, hoping it will stick, with no organized system or plan.

A Focused marketing strategy is more like a putting on a theatrical production. You have the script, the actors, rehearsals, and opening night, all executed on a strict timeline.

Two examples:

For my Marketing Mastery Program, I held a series of introductory teleconferences, invited those interested to apply for the program, interviewed each applicant, and then converted 50% into participants. Over a 6-week period, I filled my business for a full year – four years in a row.

A career coach in one of my programs recently filled her practice in three months with a focused campaign of personalized emails designed to get appointments with her ideal clients. Then she converted a large percentage into paying clients.

That’s the power of a focused marketing strategy.

You need to identify the right marketing strategy for your business, but even more important is the way you organize and implement the strategy.

Developing a focused strategy is the most complex and challenging of the Five Pillars. You can’t just put together something haphazardly and hope you get the equivalent of a professional Shakespearian production.

What is your Focused Marketing Strategy?

If you work to build a focused plan with these five solid pillars, your marketing will work better and faster, attracting more of your ideal clients, usually at a higher rate.

I recommend you work on one pillar at a time. Write them out and fine-tune them until you feel confident and excited about them. Yes, you will need to do some research and study to make sure your plan is viable. But this is certainly better than spinning your wheels with a random strategy that is going nowhere.

Cheers, Robert

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Source by Robert Middleton

Views: 0

November 9, 2022
Why You Have Failed in MLM Marketing Success

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So, you have failed in MLM marketing success. It's a bit cruel to point that out, but nevertheless, facts are facts. You may wonder how you have failed. You may be making your goals and building a replication machine but you have failed. You may not have realized that you have failed. So, the bitter truth is out there and here is how you failed. You chose a bad leadership style that focused on you and not the prospects. Now what can you do? Don't fret changing one style and focus is a challenge but it can be done and here are some guiding steps.

Changing mindset to serving from being served

One of the biggest errors for MLM marketing success is having the "I want to be served" attitude. The world doesn't owe you anything. To combat the problematic marketers many companies have switched to "let us serve" attitude and it works. Not only does it cleanse the soul from bad residue, it allows the marketer to define clear and realistic business goals that focus on helping. It allows one to critically think about their ethics and operation in an honest and transparent way.

Many of us don't like dealing with telemarketers at dinner time, but how many of you are using the same techniques as they are. To open the door for MLM marketing success, we should not interrupt but engage with content that is focused on helping our prospects. Even if it means never seeing a penny from them. That may be frustrating for many of you but money is only one tiny part for success here. Brand loyalists are worth their weight in gold. These fans are powerful resources that could become teammates in the future. It is wise not to lose hope and give up after 3 minutes of failure or so. Treat each relationship like it's the only one you will ever have and see what happens.

The technical side to your MLM marketing success

Once you've changed your style and move into the serve first, you can then look into the technical aspect to the marketing. Does your content reek of overly promotional material? Good content does not talk about you. It helps answer problems or provide detailed insight. Are you publishing on a regular schedule or are you over publishing? It's great that you share quotes but where is the practical hands on advice that you could share.

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Source by David L. Feinstein

Views: 1

July 30, 2022
Advantages and Disadvantages of Multi Level Marketing

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Multi Level Marketing has been a popular way to make money for years. People get involved in MLM as it brings amazing income potential. However becoming successful in MLM isn’t easy and requires some effort and finding right people to work with as it’s pretty much about building relationships.

MLM is any business where payouts are made at two or more levels deep. The concept of MLM is quite traditional and it’s about building your downline in genealogy form where usually you benefit from all levels and branches of your genealogy tree.

MLM is attractive, however it requires from marketer to take different approach than in any other form of marketing and selling.

The reason is that unlike in traditional marketing where it comes to sell products, the main point of MLM marketing is rather selling hope and encouragement to become successful marketer to other people.

That’s why Multi Level Marketing is considered relationships business, not sales business. What it means is that in order to become successful, you need to find the right people who will join your downline and duplicate the steps you have taken to make money. While in many MLM companies you are limited to benefit from referring new members and building your genealogy tree, the other ones also involve product sales as an additional option to make money from your team building efforts.

When the sales are involved usually your job will be to recruit distributors who recruit more and more distributors infinite levels deep. The sales generated by all of them count toward your commission. So the rule is simple the larger the network of distributors built the more sales can be generated and more commissions can be earned.

The final question is: Is MLM marketing good business model for everyone?

Well it depends on the level of one’s experience and motivation.

The advantage of MLM is that it’s very effective and profitable form of marketing where success is result of consistent work and effort put by more than one person.

Where many people put their efforts and take action together to build their MLM business the income potential increases amazingly and can grow to the really high level over the years or even months.

Another benefit is that when you manage to build a team of motivated and good marketers you may get to the point where they will be doing all the job for you so that you’ll be able to benefit from your teamwork at minimum effort on your part.

However to get desired results in MLM marketing it takes some time, effort, proper knowledge and skills.

Building relationships and profitable team is a long process and requires a lot of patience, time and money investment.

The main problem here is to get the right marketers into your genealogy. The skepticism is lurking around nowadays and many people don’t believe in success on the Internet.

The job that has to be done is to show them that it is possible, encourage them to join your business and finally make them take action and duplicate the required steps.

That’s why mastering great communication skills is essential. Another thing that might be difficult is mentoring people.

When you finally manage to build your organization, you need to become a mentor who has the knowledge that will help your team members become successful as well. That’s why learning everything about the MLM business you are in is important as you will need to pass this knowledge forward to your organization members.

MLM business is really effective marketing model and may become your source of steady and solid income as long as you take it seriously and do consistently what is necessary to build your team.

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Source by Daniel Gebura

Views: 1

July 30, 2022
Why Improving the Look of Your Leveraged Sales Products Matters

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A New Year has come upon us and it's time to relook at some of the leveraged sales products. If it's been at least six months since you've reexamined your products, now is the time to take a fresh look. Are you achieving your sales goals with them? Did they drop off in the last few months? If you feel like something in your product line can be improved, it's time to relook at everything and make improvements. In some cases, the rework is easy and done within in minutes. While others take more time, and may need a specialist to help. Don't give up, there are ways to improve your sales, you just need to look at the data and try something new.

The "Why" in improvement for leveraged sales.

Better looking leveraged sales products could mean a dynamic improvement in sales. It's always preached in book writing groups, that your eBook cover should be improved. If you're selling eBook's, maybe it's time to see if you can get a new cover that may help with your sales. Some folks never change their covers and let them set on the shelves for a long time. While its costly to change them, the sales and shares are worth the investment. The new cover can add a whole new life to the material. It shows your visitors that your serious about helping them by displaying an improved cover.

Maybe you need to look at the material in your leveraged sales and improve the copy. The material can be outdated, especially if your eBook's or guides have been in your online store for a year or longer. Other content may need just simple formatting changes and background changes. These cosmetic changes can enhance the beauty of your work and bring about new sales, increased trust and authority. However, a bad design is really difficult to overcome, be careful and do some research before granting final approval.

How the New Look of Your Leveraged Sales will play a major role in your marketing?

Reworking your leveraged sales is important, especially if you're a newbie in the business. People do judge a book by its cover and the first impression is always the lasting one. If your work comes across as lame, or unprofessional. Most people will never ever give you a second chance. So, by applying some effort to your project, you can create an impression that is favorable. Your first effort may be good, but you always want to try to improve upon your craft. In this regard, your prospects will develop a stronger relationship with you. Your leveraged sales will play a master role as you look to connect and build sales on your social media channels.

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Source by David L. Feinstein

Views: 1

July 30, 2022
Fractures & Sprains – When There Is No Doctor

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Oops it could happen anytime, anywhere, without advance warning, even to the fit, the active, and the healthy. A slip or a fall and – ouch – you’re landed (sometimes literally), with a fracture or a sprain. An expert orthopaedic surgeon outlines emergency procedures to help a victim until he can be got to a doctor.

The basic mistake that people make in the handling of fractures and sprains is that both are given the wrong kind of importance. Sprains tend to be treated as a minor disability that time and home remedies will heal; fractures, on the other hand, generally result in the pressing of all panic buttons. Both approaches are faulty.

“A neglected sprain could result in permanent instability of the joints which may require a major operation later,” warns orthopaedic surgeon. A sprain occurs when soft tissues such as ligaments, joint capsules, muscles and tendons are stretched beyond their limit, mainly as a result of lifting heavy weights, exercising in fits and starts or playing a strenuous game like badminton after a long interval.

On the other hand, people over-play fractures. Because of the immediate and often unbearable pain they generate they are looked upon as a dire emergency and it is believed that if urgent treatment is not given, it will result in the permanent disability or loss of the limb. So, in sheer panic, the patient is rushed to the nearest doctor who, if inexperienced or incapable or plain mercenary, may perform an unnecessary operation “because it could develop into gangrene.” A corollary myth is that all fractures require surgery when in fact most fractures can be treated without an operation.

When is it a fracture and when is it a sprain?

When a person suffers a fracture, i.e. a break in the bone, he experiences a shooting pain, and the affected limb is incapacitated. In a sprain, the pain may not be so powerful. The exception is a spinal column sprain which could cause severe pain and result in a stiff back.

In children, it’s usually the elbow and legs that suffer fractures whereas in adults, it’s the thigh, hip and spinal column. The parts most likely to suffer a sprain are the ankles (especially in women who wear high-heeled shoes), wrists, lower back and the neck.

Don’t…

“Till a definite diagnosis is made by a good orthopaedist, don’t give in to the temptation of resorting to a home remedy such as using a turmeric powder pack, it may only worsen the condition,” advises orthopaedic surgeon.

And do’s…

Both, sprains and fractures are best treated by lightly pressing an ice pack on the area to reduce the swelling and/or bleeding. Next, tie a firm bandage on the affected part, preferably reinforcing it with a handy splint like a foot-rule or a wad of newspapers or cardboard. The victim should be reassured and kept calm and made to rest while arrangements are made to take him to the doctor. Pain-killers may be given.

However, if the accident occurs on the road or playground, the victim should be lifted by four to six persons, their bodies serving as cushions as far as possible and made to rest nearby. If the upper limbs or neck is injured, the victim can be helped to walk to a cab or other available transport. However, if it is the legs that are injured, he should be either carried or placed on a stretcher, if it’s available, all the time making sure he does not exert pressure on the affected limb.

A child is less tolerant of pain and his agitated parents could alarm him further. Calmly reassure him with a drink until he can be got to medical attention. Tincture of iodine, or an antiseptic ointment or lotion could be used in case of an abrasion or cut.

Any upper limb injury should be put in a sling (available at the chemist or you can make one at home).

Making a sling

A square metre of cloth (in an emergency a bedsheet or even a towel could do) cut diagonally across will make two slings. Support the hand by placing the widest angle pointing towards the elbow. The other two ends will go around the neck and are tied into a secure double knot at the nape.

Head injuries

Head injuries are usually caused by violent road accidents or by a fall from a height. This is a serious problem which requires quick action. The patient may become unconscious immediately or may gradually lose consciousness. If he is unconscious, do not let him lie flat on his back or he could choke if he swallows his saliva or blood (if he is bleeding in the mouth). Slowly turn him on to his side in ahead low position (without a pillow), so the secretions if any can flow out. Call the doctor or get an ambulance.

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Source by Andy G

Views: 1

July 30, 2022
What To Look For When Choosing A Bitcoin Trading Bot

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Cryptocurrency market has become very popular and every trader is looking to make it big with bitcoin trading. It is however a very volatile market that can be hard to keep up with, especially considering that this is a market that never sleeps unlike the stock market. To make things easier for traders, trading bots have been developed. A trading bot can be defined as software program which is designed to interact with financial exchanges directly so relevant information is obtained and interpreted so orders can be bought and sold on the traders' behalf.

In essence, the bots make decision through market price movement monitoring and use of pre-programed rules so that losses can be stopped. The bot analyzes market actions like price, volume and orders according to your preferences and tastes as a trader and makes the decision. If you are into bitcoin trading, then you may want to choose the best bitcoin trading bot to ease out the process for you. But with so many bots now available, how do you know which one is best?

Customization and ease of use

The interface of a good trading bot should be easy to use by any kind of trader including those who know nothing about coding. All information necessary should be easy to find and the gains clearly shown together with all aspects of the trading that matter including buy orders and current sell. All you should be required to do is enter your pairs and numbers and then start your trading with a click of a button. Apart from being straightforward even for first time users, a customizable trading bot is even better. With this function, you will be in a position to change how the skin looks so you can have a program that you are happy to use every time.

Operating system compatibility

Not all bots are designed the same and not all traders will use the same operating systems. For this reason, you want to get a platform that functions on all the operating systems. With this kind of bot on your side, you can access your trades from Linux, Mac or Windows depending on the device you are using. With your orders and settings on a USB, you will only need to plug into any computer to continue trading with the operating system notwithstanding. A standalone bot that requires no installation and is compatible with all systems will prove very convenient in the end.

Support for pairs, coins and exchange

Apart from bitcoin, you could be a trader interested in other pairs, exchanges and coins. It can therefore be more helpful to find a trader bot that can accommodate different coins offered by major exchanges. A full stacked crypto bot will work great for a spontaneous kind of trader.

Other bot features that could prove to be helpful are notifications and reporting, real time and historical back testing among others. Find out what the trader bot can do and select accordingly.

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Source by Shalini Madhav

Views: 1

July 30, 2022