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Understanding Young Living: Can You Really Make Money With Young Living?
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Young Living is a Muli-Level Marketing company founded in 1993 offering essential oils and other related products. Additionally, they offer a business or income opportunity for those interested in marketing the company or their products to make an income stream. Something I think is neat is Young Living also has a non-profit organization that helps communities and families in impoverished areas in Ecuador, Croatia, and Uganda.

The Thing:

Young Living has a ton of products available based around essential oils. Some of the items they offer are Aroma Oils, Massage Oils, Diffusers, Oral Care Products, Healthy Cooking Oils, Animal Care Oils, Home Purification Oils, and of course accessories to carry your oils.
1. Idaho Blue Spruce – This oil is designed to relax both mind and body and sells Retail value for $37.83.
2. Animal Shampoo – No Kidding. This product contains several different oils including YLTG oil formulated by D. Gary Young and sells Retail Value for $20.72.
3. Thieves Fresh Essence Mouthwash – This mouthwash is designed to thoroughly clean your mouth and comes in Spearmint and Peppermint flavor, selling 8 oz Retail Value for $14.47.
It’s important to note, Young Living offers several different types of products! The categories of products and actual product in which I explained are far from all Young Living has to offer!

The Opportunity:

The question still remains; can you really make money with Young Living? In order to answer this question, we must look into their compensation plan!

There are 3 Main payouts for people affiliated with Young Living such as Fast Start Bonus, Start Living Bonus, and Retail Earnings.
1. Fast Start Bonus – You can earn 25% on your first-level personally enrolled distributors’ orders during the first three months of being a member. You can also earn an additional 10% on your second-level personally enrolled distributors’ orders.
2. Start Living Bonus – Each time you enroll a distributor with a Premium Starter Kit, you can earn a one-time $25 cash bonus.
3. Retail Earnings – With this payout you’ll be able to earn the 24% difference between the Retail and Wholesale price for the orders of your personally enrolled retail customers.
To Conclude, Yes, You Can Make Money With Young Living!

The Cost:

For some, this is the most important question that has to be answered before even considering joining this business! I would be more than happy to be the provider of that answer!

But first, understand that if you want to get involved with Young Living and begin making money, what you are doing is opening up your own business from home! All businesses require some type of start-up fee! However, in the world of Multi-Level Marketing, the price is generally much cheaper in comparison to a traditional type company. For example, in a traditional type business, such as Construction, you could spend around $5,000 to $10,000 just getting the thing started! In this industry, you likely will spend far less than that! Since we have been able to get that understood, let’s move on.

In order to become involved and get started with Young Living, you will need to purchase a Starter Kit! They have several starter kits available; I will give a brief explanation of three of them!
1. Basic Starter Kit – $45.00. This kit includes one 5ml Stress Away Oil, AromaGlide Roller Fitment, 10 Sample Packets, 10 Love It? Share It! Business Cards, 10 Love It? Share It! Sample Oil Bottles, 2 NingXia Red 2-oz. samples, Product Guide and Product Price List, Essential Oil Magazine, Essential Edge, and member resources.
2. Thieves Premium Kit – $160.00. This kit is a specialty premium starter kit and includes 15-ml Thieves Oil, Thieves AromaBright Toothpaste, Thieves Fresh Essence Plus Mouthwash, 2 Thieves Cleaner, 2 Thieves Foaming Hand Soap, 2 Thieves Spray, 2 Thieves Waterless Hand Purifier, and everything included in the Basic Starter Kit mentioned above.
3. NingXia Premium Kit – $170.00. This kit is also a specialty premium kit and includes NingXia Red 2-Pack, 30 NingXia Red Single Oils, NingXia Nitro, and everything includes in the Basic Started Kit above.
Final Thoughts:

The products offered by Young Living are interesting and definitely have some kind of originality to them. They also have a ton of products to choose from!

The business opportunity is something you can definitely make money from. However, in my opinion, I believe their compensation plan is kind of weak in a comparison level to other companies in which I have done reviews over. If you know exactly what you are doing and are a professional Network Marketer, you will do fine with this company and even prosper. However, if you are a total newbie and have no idea how to generate massive income from Network Marketing, you will have difficult times making money in this company.

The cost is overall pretty inexpensive. Their Basic Starter Kit is only $45.00 and their most expensive kit is $260.00. That means, you can start a business and begin generating income all from home for a little under $300.00, which is awesome!

*Dustin Hale is NOT affiliated with Young Living or their business/income opportunity

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Source by Dustin Hale

Views: 0
July 27, 2022
5 Steps to Move From Employee to Entrepreneur
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Have you been considering quitting your day job in favor of starting a business? Have you just lost your job and are currently exploring alternative ways of earning a living? Have you always dreamt of owning your own business some day?

Before you take the leap of faith into self-employment, consider these 5 steps:
1. Get clear on your goals/passions – It’s not enough to decide to become a business owner. There are several questions and things to consider before you move forward in becoming a business owner. You will need to think about what kind of business you wish to run. You`ll need to determine if you wish to grow it from scratch, buy an existing business or purchase an available franchise. But even before you decide that- you should think about how the business will fit in with the rest of your life. Running a business can be a huge commitment of time and money. So ask yourself what do you enjoy doing or what will bring you joy? You will spend much of your day on your business so it’s a good idea for the business to provide work you actually enjoy doing. Ask yourself what you are most passionate about? What would you love to do? What is your dream job/business?
2. Do your research/homework – Don’t make any rash or impulsive decisions and don’t leave your day job until you are absolutely sure of what you want to do and have a plan for doing it. Take the time to do good research by researching the industry, the marketplace, your potential target clients, your competitors. Do proper business research including a SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis. Get a good handle on projected revenues and realistic operating costs as well as an understanding on how long it will take to breakeven and generate more revenues than expenses. Identify your personal strengths and skills and determine if there are any skills gaps. Determine how you will close any skill gaps or lack of expertise. Which gaps can be closed through skills training? Which gaps can be closed through recruiting the right people? Which gaps can be closed through coaching or mentoring? Determine what options and opportunities are available to you right now?
3. Learn from others’ mistakes – There is no shortage of people who have started or run a business. Speak to as many people as you can who have gone before you. Learn what you can about what works, what doesn’t, and what mistakes others have made. Don’t waste valuable time and money. Be open to hearing others` perspectives on what they would have done differently. Hindsight is always 20/20.
4. Business Plan ahead – Do the work and develop a business plan. While it may be a lot of work, it will be time well spent and most financial institutions will require one if you are searching for financing. The process of business planning is not only to prove to the bank that your business will be a success, it’s also a roadmap for you to follow to ensure success. Running your business finances can be like running your weekly, monthly or yearly personal budget – so if you haven’t developed good budgeting and financial management skills, it might be particularly challenging and doubly important to have a solid business plan.
5. Hire a mentor – Starting and running a business can be challenging or even lonely at times. In addition to the day to day operations of the business, you may be mentally or emotionally overwhelmed by being a business owner. Having a safe place to go to for advice, guidance, and accountability or simply as a sounding board can be just what you need to help you make the transition into entrepreurship easier and smoother. Good coaching and mentoring can really help you fast track your transition.
While there are many advantages to being an entrepreneur, it`s important for you to also consider the downside of self-employment. Become a business owner armed with as much information, skills and tools you can to ensure a successful transition from employee to entrepreneur.

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Source by Linda Cattelan

Views: 0
July 27, 2022
Can Hypnotherapy Cure Emetophobia?

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Emetophobia is a learnt behavioral response and for many people it can be a very debilitating condition. Unfortunately it’s a condition that is often misunderstood by a large number of people, including many medical professionals.

Emetophobia has elements of being both a phobia and an anxiety disorder. For many sufferers it’s something that they developed at a young again often in early childhood. It can develop from being sick themselves or from seeing someone else being sick, which understandably for a young child can be a very frightening experience.

The fear can also develop from the reaction of other people around them. I have had a large number of clients that developed the fear not because how they reacted to being sick but because of how a close family member panicked in response to someone being sick.

When we talk about curing Emetophobia what we are really talking about is overcoming the fear by changing how people perceive the situation. Many people would say that when the fear has gone they feel cured. In many cases hypnosis can be a very effective tool that enables people to overcome the fear of vomit.

While it is true that some people can overcome the fear of being sick just from hypnotherapy treatment alone in some cases however the hypnotherapy is not enough by itself. For those people they will need to deliberately get used to doings things differently based on what the therapist tells them they need to do to achieve freedom from the fear.

In the same way that if you go to a osteopath with a problem they may be able to correct the problem purely with what they do while you are on their treatment couch however in some cases that may not be enough by itself and in addition they will give you some form of therapeutic stretching or exercises to do.

If you are an Emetophobic or a relative / friend of an Emetophobic the first important thing you need to know is that in the majority of cases with the appropriate treatment / therapy the fear can be either significantly reduced or in many cases completely overcome.

The second thing you need to know is that while some people can overcome the fear relatively quickly for others it can take longer so you may need to be patient. No one therapy works for everyone in every situation. If the therapy / treatment you’re currently using isn’t working for you (you should be experiencing at least some improvement within a couple of appointments) then you may need to consider an alternative therapy route.

Being cured doesn’t mean you have to like being sick or the find the sound / smell pleasant. Being sick can be very unpleasant but it is normal to find the smell, sound and idea of it disgusting. No one likes being sick but that doesn’t mean you have to be afraid of it. Being cured means getting the response back to a normal and appropriate perspective, just like anyone else that has a normal response to being sick or vomiting. So you can be free from the fear.

Hypnotherapy has already helped many people to overcome fear of vomiting. You can overcome Emetophobia.

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Source by Paul A Wright

Views: 0

July 27, 2022
Flexible Yoga for Backbone Pain Relief and Overall Health
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Are you above 40 and thinking that developing hip flexibility or spinal flexibility at this age will not be possible? If yes, then read on. Hitting 40 is not an excuse to deprive yourself of good health, stamina and joint-pain free life you really deserve. However, what is important is to understand and choose something that works. Flexible yoga, as the name suggests is what you can try for back and hip flexibility, which is what keeps your overall fitness in good shape.

What is flexible yoga

As mentioned in one of our previous posts that yoga is not just a set of asanas or postures, flexible yoga is also not just about physical suppleness. However, we’ll keep the topic limited to physical flexibility for now. The basic idea behind flexible yoga is to develop suppleness in muscles and joints by using the most suitable set of asanas. As your spine becomes more flexible, you start gaining more stamina and overall better health.

Pashchimottasana to make your spine supple

It goes without saying that yoga as a whole is highly effective to control and cure many muscle and mind related issues. However, people have their own preferences in terms of choosing the right types of yogic postures, which are effective depending on individual needs. Personally, I like Pashchimottanasa to make and keep my spine flexible.

Yoga for spinal suppleness
- Surya Namaskar-Sun Salutation (12-step sequence)
- Chakrasana-Semi-circular pose
- Bhujangasana-Cobra pose
- Ustrasanana -Camel pose
- Paschimottansana-Forward bend
- Balasana-Child’s pose
- Shashankasana-Rabbit pose
- Halasana-Plough pose
- Sun salutation-surya namaskar
Developing flexibility easily

There are various other postures and variations of the above mentioned poses. It all depends upon what suits you and fits into your hectic daily schedule. Starting with easy postures such as child’s pose or cat cow pose, which can be done immediately after waking up while you are still in bed, are highly effective for beginners. You can move on to tougher postures as your spine starts becoming flexible.

Easy posture for spinal flexibility

Stretching is highly effective for suppleness of spine, muscles and other associated organs. You can start your day with a few stretching exercises such as cat cow pose. This is the easiest way to start making your spine flexible in addition to kick-starting your day actively and relieving your neck or back pain, if any.

Make your spine flexible effortlessly

We have covered Bhujangasana previously, but there is also a simple variation of this pose, which can be also be highly effective in keeping your backbone flexible, digestive system strong and neck pain-free. Simply lie flat on your stomach and lift your head and torso supported by your elbows. You need not stretch fully like you do while performing full Bhujangasana.

Natural Stretch -Benefits of semi-Bhujangasana
- No special equipment, place or time recommended.
- You can do this anytime except after meals
- You can also read, write or watch TV if this posture
- Keeps your digestive systems strong
- Reduces big belly and helps in overall weight loss
- Makes your spine supple without having to do specific set of exercises
- Relieves and prevents neck and back pain
- Relieves tiredness and fatigue immediately
- Positive state of mind
- Stretching in any form is one of the most effective ways to develop spinal flexiblity which is highly recommended for overall health.
Stretching is one of the most effective ways to develop spinal flexiblity which is highly recommended for overall health.

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Source by Felix Godwin

Views: 0
July 27, 2022
Why Are Organic Social Media Fans Important for MLM Success?

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MLM success is fun and profitable but there is a dark side that has pulled people into doing unethical marketing. It's fun to watch social accounts climb in popularity, however it can be done in the wrong fashion. Organic social growth is the only way to go. Most social media sites are watching for black tactics that enables accounts to grow at a rapid rate and many of the followers are not existent. They can cause problems for your account especially when you're sharing content.

Your MLM success is based on the attracting and retaining leads and converting them into teammates. If social media sites catch you using unethical means to build your account, they will likely warn you before they shut down your account. That is not the worst of it most search engines especially Google are keeping an eye on this as well and will punish your content or website for bad social growth. Social media traffic is heavily weighed on search engines now. This means that your social media content has more points on search engines than it ever did.

Building organic social media fans for MLM success

You need to have an organic following to gain rankings in search engines now. This is the only acceptable method to stay "clean" with Google. You should never pay for followers. It's already difficult to weed out fake fans from the real ones. However, the real ones will engage with you from time to time. In some cases, most of the time if they love your content and you're responsive to them.

To build future MLM success, you know you need to be responsive, create lovable content and be available in the online and offline world. Your content will come in different styles and flavors because no two prospects are alike in their journey. The content needs to touch on their pains and their journey stage. Once you have your campaign outline, you can develop short and long form content to help you achieve results. Be open to game changers, sometimes you may need to throw a curve ball instead of a fastball. You can throw in a webinar or a workbook to make things more engaging or simple.

Engaging with your fans is a great to get your messages spread across the internet. They already like some of your stuff, so why not give them something for free. This can help you gain new sources of traffic and fans.

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Source by David L. Feinstein

Views: 0

July 26, 2022
Love As an Emotion

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I am now talking to the male part of any relationship because the male is normally the leader in any relationship. So, men, what will happen if your love for your wife or girlfriend relied on your emotions, or on your feelings? Today, you could cherish her, caress her, care for her, hug and kiss her. Tomorrow, you might feel totally different. You might slap her around a bit, shout and scream at her, ignore her, deride her. Because that is exactly what feelings are all about. Emotions play games on your feelings all the time. And the game changes every day, every minute. Think now of how confusing for the poor lady you have as a girlfriend or wife. She wants your attention, she says she loves you and has chosen you to be her mate, friend, and husband, whatever. But she is afraid of you because you are so much stronger as her, and she knows at any time you could burst into one of your tirades with disastrous consequences for her. Maybe a broken nose, a black eye, cracked ribs. Men who do this to any woman should be ashamed of themselves.

Real adult love is more than just a feeling. It means caring even when you do not feel like caring. It means spending time with your spouse when you prefer watching an important game on the telly. It also means nursing her when she feels ill and spending time with her when you prefer spending time with your friends. Love is taking responsibility for others and setting their needs and desires above yours. Love is also consistent with your feelings and it does not change every day. Love is not rude or harsh with your spouse, and respects her as the weaker member of your relationship.

I guess what I really want to say about being in a relationship where emotions and feelings is the basis of your relationship, and then you need to think long and hard about this. To rely on feelings is immature and stupidity, you just cannot rely on it. Do you really want to have a relationship with this woman? Tomorrow you might prefer spending time with your friends. Or for that matter, some other woman. So, if you decide no, I do not want to spend so much time with this woman, and then tell her that so that she could understand where she stands. She might feel hurt now, but in the end, she will at least know where she stands with you. And both of you could move on with your lives.

There are so many examples I can give on real love. But one thing I will say about this. Real love is taking responsibility of the opposite gender. Today you say you love her, but she will have the assurance that regardless of how you feel, tomorrow you would love just as much. Do not rely on your feelings of love for today, tomorrow it might be different.

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Source by Rodney Evan Bentley

Views: 0

July 26, 2022
The Marital Adjustment Deduction

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Marriage is a blessing, but it always comes with challenges. Money can be a touchy subject if you don’t see eye to eye about saving and spending, and if you’re in debt, things can get pretty stressful. If your debt has grown to the point where you’ve decided to file bankruptcy, you’ll need to work together as a team to make a new start. While most couples decide to file together, if the partners have significantly different incomes or debts, it may be best for just one person to file a Chapter 7. How you decide to file will determine which of your income and property will be included in the Means Test. In order to give you the best financial outcome and protect your assets, we’ll use the marital adjustment deduction.

The Basics

Filing bankruptcy isn’t just about discharging your debts; it’s also important to do everything possible to protect the property and assets you’ve worked so hard to acquire. When only one spouse files bankruptcy, we can deduct some of the non-filing spouse’s income that is used to cover his or her individual expenses. We can deduct their cell phone, club memberships, business expenses, and entertainment. Additionally, any debts that are in their name alone will not be included in your case. This could be student loans, credit cards, car loans, insurance, or a mortgage that is solely in their name. Child support for their own children who do not live with you, as well as alimony they pay, will not be included in your case.You can also split up expenses that you share, such as utilities or a joint mortgage, and deduct their portion. The goal of all of this is to lower the total income that we use for the Means Test, which could mean the difference between a Chapter 7 or Chapter 13.

Squared Away Paperwork

As you utilize the standard and marital adjustment deductions, you will provide documentation to the court so that they can easily review your case. Documents should be organized and clear, showing who is responsible for which debts and expenses, giving the court no reason to disallow any of our desired exemptions. There will be no cause for concerns that your case will be dismissed or the trustee would even suspect Bankruptcy Fraud.

Finding an attorney who can help file all the paper work and know your case will take some of the stress out of filing and hopefully bring some joy back to your marriage.

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Source by W. George Senft

Views: 0

July 26, 2022
BSE (Bombay Stock Exchange) – Online Trading System

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Gone are the days when you needed a broker to help you buy and sell stocks, shares and make stock market investments. Through online investment you can buy and sell shares with just a few clicks of the mouse. The economic and capital market in India cannot exist without a stock exchange; there are two main stock exchanges where transactions take place; the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE). While all the major transactions take place here, there are over 20 different stock exchanges located across the country.

Online trading in India has changed the meaning of trading in the country. With no requirement for a broker, trading has become easier, faster and far more convenient than earlier days. Some of the major financial products and services offered through online trading are mutual funds, equities, general insurance, life insurance, share trading, portfolio management, commodities trading and financial planning. In online trading, the investor has to pay less brokerage as compare to offline trading. There is no need for any paperwork through online investing and the need for a middle man is eliminated. All the stock accounts are stored in a Demat account where they can be viewed.

BSE online trading was established in 1995 and is the first exchange to be set up in Asia. It has the largest number of listed companies in the world and currently has 4937 companies listed on the Exchange with over 7,700 traded instruments.

The only thing that an investor requires for online trading through BSE is an online trading account. The trading can then be done within the trading hours from any location in the world. In fact, BSE has replaced the open cry system with automated trading. Open cry system is a common method of communication between the investors at a stock exchange where they shout and use hand gestures to communicate and transfer information about buy and sell orders. It usually takes place on the ‘pit’ area of the trading floor and involves a lot of face to face interaction. However, with the use of electronic trading systems trading is easier, faster and cheaper; and is less prone to manipulation by market makers and brokers/dealers.

The BSE provides an efficient and transparent market for trading in debt instruments, equity and derivatives. This is performed through a system known as BOLT – BSE’s Online Trading System.

In the stock exchange, a key index is used to keep track of the important or the most traded stocks in the exchange. The indice used at the BSE while trading is the SENSEX and is displayed in all major portals, newspapers and magazines. It is India’s first stock market index that enjoys an iconic stature and is tracked worldwide. It is conducted on a free-float methodology and is sensitive to market sentiments and realities.

There are also indices such as BSE small cap, BSE mid cap and BSE500 to take care of medium and small companies. Furthermore, India index services and Products Limited has indices such as CNX Nifty Junior, S&P CNX Nifty, CNX 100, S&P CNX 500 and CNX Mid cap. The BSE offers 22 indices to suit a multiplicity of needs, inclusive of 12 sectorial indices. For example, the BSE PSU Index tracks the performance of the listed PSY companies and also helps the Central Government to monitor its wealth on the bourses.

The BSE has become a completely ‘corporatised and demutualized stock exchange’ through the use of online exchanges. With partners such as Deutsche Borse (DB) and Singapore Stock Exchange (SGX) it has a global competitive force. BSE has strategic relationships in almost every part of the world- Europe (DB)), Hong Kong (ETF) and Asia (SGX), prominent public sector undertakings such as State Bank of India, Bank of India, Life Insurance Corporation of India and Central Bank of India.

Benefits of BSE trading system in India for share brokers or newbies

There are a number of attractive services to empower investors and facilitate smooth transactions. Some of these include:

1) Investor Services: A range of services are offered to investors. Being the first exchange in the country to provide an amount of INR 1 million towards the investor protection fund, the BSE had launched a nationwide investor awareness program; ‘Safe Investing in the Stock Market’ under which there were 264 programmes which were conducted in over 359 cities in India.

2) BSE has an Online trading BOLT system: the online-Trading system (BOLT) facilitates on-line screen based trading in securities. Currently it operates 25,000 Trader Workstations which are located across 359 cities in the country.

3) The BSE has the world’s first centralized exchange-based Internet trading system – BSEWEBX.com. This system helps the investors anywhere in the world to trade on the BSE platform.

4) The BSE has an online Surveillance system (BOSS) which monitors on a REAL-TIME basis the price movements, the volume positions and members’ positions as well as real time measurement of default risk, generation of cross market alerts and market reconstruction.

5) The BSE has a training institute – known as the Bombay Stock Exchange Training Institute (popularly known as the acronym BTI).The BTI imparts capital market training and certification; in collaboration with a number of reputed management institutes and universities. There are over 40 courses to choose from on different aspects of the capital market and the financial Bombay Stock Exchange market.

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Source by Monish P Kumar

Views: 0

July 26, 2022
Why Customer Concentration Impacts a Business Sale Transaction
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Few owners recognize the major impact that customer concentration has on the sale of their business. Customer concentration represents a significant obstacle and will affect the salability, valuation, and deal structure of a business-for-sale transaction. Not only will it create problems in qualifying buyers but it will impact the ability for any prospective purchaser to obtain third party financing to complete the acquisition. Determining if customer concentration is present in an enterprise is a critical element of the succession planning process.

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

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

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

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

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

Contingent payouts could be structured in a variety of methods:

Earn-Out:

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

Escrow:

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

Seller-Financing:

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

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

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

Customer Contracts:

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

Barriers to Entry or Exit:

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

Providing a Variety of Products and/or Services:

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

Economies of Scale or Synergies:

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

Summary

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

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Source by Michael Fekkes

Views: 0
July 25, 2022
Choosing the Best Suboxone Doctor

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

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

Why you need to choose a Suboxone doctor

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

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

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

The cost

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

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

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Source by Shalini Madhav

Views: 0

July 25, 2022