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Real Grief Requires Attention – Real Grief Healing Requires Attention

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As you experienced your personal grieving key questions must be addressed: How can you overcome floating on a cloud of despair? How do you overcome your sorrow and loss? Can you overcome your sorrow on your own? Can God give you additional inspiration and strength? When and how do you give attention to your grief? What action steps must you take to start healing and stop grieving?

Five Essential Healing Attention Stepping Stones To Help You Restore Your Happiness And Find Peace Again:

1-Let Happiness Sneak In The Back Door

“Happiness often sneaks in through a door you didn’t know you left open.” ~ John Barrymore

Happy moments are ever-present. Happy opportunities are abundant even at times of your unwanted grieving. Often, new happy healing possibilities sneak unnoticed through the door you left opened, setting motionless waiting to be recruited and embraced. During your unique personal grieving, you may not have perceived their value. Look again for all happy joyful moments, opportunities and possibilities.

2-Be Grateful For All Good Things

“Joy is what happens to us when we allow ourselves to recognize how good things really are.” ~ Marianne Williamson

Grief happenings come in many dosages, but true about all grief happenings, happy happenings are also present. Counting your grateful moments, as bad as your grieving condition may be, is healing to the soul and your emotions. Often during a grief experience it is not uncommon to not look for joy in your life; it’s seldom easy to find.

“Half the joy of life is in little things taken on the run… but let us keep our hearts young and our eyes open that nothing worth our while shall escape us.”

~ Victor Cherbuliez

Your grief experience may have had you on the dead run on a sorrow path. Your eyes may need adjusted so that nothing worthwhile will continue to escape your view or grasp. Counting your blessings will help concentrate on the good things that are part of you.

3-Accept Personal Responsibility

Certainly, you may not have been able to prevent or control how your grief from happening in your life.

“Although I may not be able to prevent the worst from happening, I am responsible for my attitude toward the inevitable misfortunes that darken life. Bad things do happen; how I respond to them defines my character and the quality of my life. I can choose to sit in perpetual sadness, immobilized by the gravity of my loss, or I can choose to rise from the pain and treasure the most precious gift I have – life itself.”

~Walter Anderson

Although you may not be able to prevent the worst from happening, you are responsible for your attitude toward the inevitable misfortunes that may darken your life.

I beg you – Do not despair for behind every dark and dismal grief cloud is a beautiful blue sky with a happy rainbow of future hope available for you. Seek it! Decide what you can do-and do it!

4-Don’t Waste Your Days – It Is Your Proper Time To Live Not Merely Exist

I am sure you are familiar with the often-quoted phrase: “The saddest words of tongue and pen are it might have been.” Your challenge is to carefully examine your grief condition then execute actions to live your life, given your grief circumstances, with no misgivings and no uncertainties.

Even given your horrendous unwanted grief experience, you must learn to enjoy all grateful healing moments as you learn to take the actions necessary to release all anxiety and hesitation.

Treat each day as a new opportunity. As you choose your personal action plan be sure you plan is one with full awareness and intention. Don’t waste your days grieving; live your life fully don’t merely exist. Don’t squander your time – start healing and stop grieving now!

5-Thoughtfully Choose All Healing Possibilities

Consider all opportunities. In the midst of your grieving stay alert and aware of all healing doors which may be available for you to open. You really are the one who determines your permanent destiny. Accept the challenge to rejoice for those things you have.

At all times, embrace all positive available social media, technology, internet, and all other beneficial and essential resource solutions. Think about asking for Gods help. Overcoming despair, grief and loss should be your highest priority. To stop grieving, start healing grief, loss, and sorrow – and finding hope and joy is vital to you experiencing lasting peace and happiness.

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Source by Duane Marchant

Views: 0

July 29, 2022
Trading and Profit and Loss Account

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Trading Account

As already discussed, first section of trading and profit and loss account is called trading account. The aim of preparing trading account is to find out gross profit or gross loss while that of second section is to find out net profit or net loss.

Preparation of Trading Account

Trading account is prepared mainly to know the profitability of the goods bought (or manufactured) sold by the businessman. The difference between selling price and cost of goods sold is the,5 earning of the businessman. Thus in order to calculate the gross earning, it is necessary to know:

(a) cost of goods sold.

(b) sales.

Total sales can be ascertained from the sales ledger. The cost of goods sold is, however, calculated. n order to calculate the cost of sales it is necessary to know its meaning. The ‘cost of goods’ includes the purchase price of the goods plus expenses relating to purchase of goods and brining the goods to the place of business. In order to calculate the cost of goods ” we should deduct from the total cost of goods purchased the cost of goods in hand. We can study this phenomenon with the help of following formula:

Opening stock + cost of purchases – closing stock = cost of sales

As already discussed that the purpose of preparing trading account is to calculate the gross profit of the business. It can be described as excess of amount of ‘Sales’ over ‘Cost of Sales’. This definition can be explained in terms of following equation:

Gross Profit = Sales-Cost of goods sold or (Sales + Closing Stock) -(Stock in the beginning + Purchases + Direct Expenses)

The opening stock and purchases along with buying and bringing expenses (direct exp.) are recorded the debit side whereas sales and closing stock is recorded on the credit side. If credit side is Jeater than the debit side the difference is written on the debit side as gross profit which is ultimately recorded on the credit side of profit and loss account. When the debit side exceeds the credit side, the difference is gross loss which is recorded at credit side and ultimately shown on the debit side of profit & loss account.

Usual Items in a Trading Account:

A) Debit Side

1. Opening Stock. It is the stock which remained unsold at the end of previous year. It must have been brought into books with the help of opening entry; so it always appears inside the trial balance. Generally, it is shown as first item at the debit side of trading account. Of course, in the first year of a business there will be no opening stock.

2. Purchases. It is normally second item on the debit side of trading account. ‘Purchases’ mean total purchases i.e. cash plus credit purchases. Any return outwards (purchases return) should be deducted out of purchases to find out the net purchases. Sometimes goods are received before the relevant invoice from the supplier. In such a situation, on the date of preparing final accounts an entry should be passed to debit the purchases account and to credit the suppliers’ account with the cost of goods.

3. Buying Expenses. All expenses relating to purchase of goods are also debited in the trading account. These include-wages, carriage inwards freight, duty, clearing charges, dock charges, excise duty, octroi and import duty etc.

4. Manufacturing Expenses. Such expenses are incurred by businessmen to manufacture or to render the goods in saleable condition viz., motive power, gas fuel, stores, royalties, factory expenses, foreman and supervisor’s salary etc.

Though manufacturing expenses are strictly to be taken in the manufacturing account since we are preparing only trading account, expenses of this type may also be included in the trading account.

(B) Credit Side

1. Sales. Sales mean total sales i.e. cash plus credit sales. If there are any sales returns, these should be deducted from sales. So net sales are credited to trading account. If an asset of the firm has been sold, it should not be included in the sales.

2. Closing Stock. It is the value of stock lying unsold in the godown or shop on the last date of accounting period. Normally closing stock is given outside the trial balance in that case it is shown on the credit side of trading account. But if it is given inside the trial balance, it is not to be shown on the credit side of trading account but appears only in the balance sheet as asset. Closing stock should be valued at cost or market price whichever is less.

Valuation of Closing Stock

The ascertain the value of closing stock it is necessary to make a complete inventory or list of all the items in the god own together with quantities. On the basis of physical observation the stock lists are prepared and the value of total stock is calculated on the basis of unit value. Thus, it is clear that stock-taking entails (i) inventorying, (ii) pricing. Each item is priced at cost, unless the market price is lower. Pricing an inventory at cost is easy if cost remains fixed. But prices remain fluctuating; so the valuation of stock is done on the basis of one of many valuation methods.

The preparation of trading account helps the trade to know the relationship between the costs be incurred and the revenues earned and the level of efficiency with which operations have been conducted. The ratio of gross profit to sales is very significant: it is arrived at :

Gross Profit X 100 / Sales

With the help of G.P. ratio he can ascertain as to how efficiently he is running the business higher the ratio, better will be the efficiency.

Closing Entries pertaining to trading Account

For transferring various accounts relating to goods and buying expenses, following closing entries recorded:

(i) For opening Stock: Debit trading account and credit stock account

(ii) For purchases: Debit trading account and credit purchases account, the amount being the et amount after deducting purchases returns.

(iii) For purchases returns: Debit purchases return account and credit purchases account.

(iv) For returns inwards: Debit sales account and credit sales return account

(v) For direct expenses: Debit trading account and credit direct expenses accounts individually.

(vi) For sales: Debit sales account and credit trading account. We will find that all the accounts as mentioned above will be closed with the exception of trading account

(vii) For closing stock: Debit closing stock account and credit trading account After recording above entries the trading account will be balanced and difference of two sides ascertained. If credit side is more the result is gross profit for which following entry is recorded.

(viii) For gross profit: Debit trading account and credit profit and loss account If the result is gross loss the above entry is reversed.

Profit and Loss Account

The profit and loss account is opened by recording the gross profit (on credit side) or gross loss (debit side).

For earning net profit a businessman has to incur many more expenses in addition to the direct expenses. Those expenses are deducted from profit (or added to gross loss), the resultant figure will be net profit or net loss.

The expenses which are recorded in profit and loss account are ailed ‘indirect expenses’. These be classified as follows:

Selling and distribution expenses.

These comprise of following expenses:

(a) Salesmen’s salary and commission

(b) Commission to agents

(c) Freight & carriage on sales

(d) Sales tax

(e) Bad debts

(f) Advertising

(g) Packing expenses

(h) Export duty

Administrative Expenses.

These include:

(a) Office salaries & wages

(b) Insurance

(c) Legal expenses

(d) Trade expenses

(e) Rates & taxes

(f) Audit fees

(g) Insurance

(h) Rent

(i) Printing and stationery

(j) Postage and telegrams

(k) Bank charges

Financial Expenses

These comprise:

(a) Discount allowed

(b) Interest on Capital

(c) Interest on loan

(d) Discount Charges on bill discounted

Maintenance, depreciations and Provisions etc.

These include following expenses

(a) Repairs

(b) Depreciation on assets

(c) Provision or reserve for doubtful debts

(d) Reserve for discount on debtors.

Along with above indirect expenses the debit side of profit and loss account comprises of various business losses also.

On the credit side of profit and loss account the items recorded are:

(a) Discount received

(b) Commission received

(c) Rent received

(d) Interest received

(e) Income from investments

(f) Profit on sale of assets

(g) Bad debts recovered

(h) Dividend received

(i) Apprenticeship premium etc.

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Source by Anil Kumar Gupta

Views: 0

July 27, 2022
Sports Medicine

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Despite what the name implies, sports medicine is not confined to the athletic field. The branch of orthopedics consists of the treatment of injuries resulting from physical activity. These injuries can occur due to overuse, over-exertion, traumatic collision, or over-extension of the ligaments and cartilage of joints. Sports injuries can occur to any part of the body; however, the majority of sports injuries occur in the major joints, including the shoulder, hip, knee, and ankle.

Minimally Invasive Rotator Cuff Surgery

A common sports-associated injury of the shoulder is a rotator cuff tear. Composed of a group of four different muscles and tendons, the rotator cuff coordinates the movement of the arm at the shoulder. A tear of these muscles due to a traumatic impact, repetitive motion, or a strong pull may result in serious pain and the loss of mobility in the shoulder.

Based on severity of the injury, a rotator cuff tear can be repaired through surgical or non-surgical methods. If pain is not relieved through non-surgical efforts and surgery is required, rotator cuff tears can be repaired through arthroscopic techniques. A minimally invasive procedure, arthroscopic surgery involves two small incisions for the insertion of a fiber-optic camera and specialized operating tools. Arthroscopic surgery usually results in the successful repair of the rotator cuff and an abbreviated and less painful recovery time.

ACL Repair Surgery for Knee Pain

A commonly performed sports medicine procedure is the repair of the anterior cruciate ligament (ACL) located within the knee. The ACL provides rotational stability to the knee and tears to the ligament occur due to over rotation, sudden changes in direction, landing incorrectly, or traumatic collision. Symptoms of an ACL tear include a 'popping' noise and the inability to put weight on the knee joint, followed by pain and swelling.
Non-surgical treatment options are available after an ACL tear; however, a torn ACL will not heal on its own and surgery is necessary to return to an active lifestyle. Advances in knee surgery techniques now allow a torn ACL to be repaired through an arthroscopic procedure. Arthroscopic surgery techniques allow for a faster recovery time, although an athlete will require at least six months before returning to sports.

Torn Meniscus Surgery for Knee Pain

The meniscus consists of two pieces of cartilage located between the thigh bone and the shinbone that act as cushioning and 'shock absorbers' between the two bones. Sports-related meniscal tears result from excess stress on the knee joint from traumatic collision, squatting, or over rotation, and often accompanies other knee injuries, such as an ACL tear.

Walking is still possible after a meniscal tear and athletes may continue to play through the injury. However, the knee will gradually become more stiff and swollen over a period of a few days. Non-surgical approaches to treatment include the RICE protocol of Rest, Ice, Compression, and Elevation. If the severity of the injury necessitates surgery, arthroscopic techniques utilizing a fiber-optic camera and miniature instruments will allow for the minimally invasive repair of the meniscus.

Shin Splint Repair

Shin splints are a common sports-related injury, as the condition results due to exercise-related overuse. Shin splints, or medial tibial stress syndrome, develop as repetitive, excessive physical activity causes muscle fatigue leading to extra force to be applied to the tissue attaching muscles to the shinbone.
Shin splints are treated with rest and a refrain from physical activity. Rarely do shin splints require surgery; however, persistent pain may indicate the development of multiple microfractures in the tibia. Microfractures are severe and may require the evaluation of a physician.

Achilles Tendon Repair Surgery

The Achilles tendon is the largest tendon in the body and connects the muscles in the back of the lower leg to the heel bone. The Achilles tendon is essential to mobility as it is used to walk, run, and jump. Tears can occur when the Achilles tendon is overstretched and cannot withstand the large forces exerted on it during physical activity. Pain and swelling accompany an Achilles tendon tear, as well as the inability to bend the foot downward.

Surgery is likely the only option to repair a completely torn Achilles tendon for patients who wish to return to sports. Surgically repaired Achilles tendons are more likely to return to near normal performance and less likely to be re-injured.

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Source by Blake Nonweiler

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
Women And Self-Confidence – Healing Women's Insecurity Issues Today

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Sound like a latte-in-the-sky dream? I mean the kind that could never happen in this lifetime?

Today, all that ends.

Let some new confidence with women understanding begin inside you, and beautiful begin being who you are to the core.

This program for women and self-confidence is exactly the kind of community of women friends you should meet. Its specialty is helping women exactly like you.

Heal those old wounds so you can break free from the past.

Stop feeling insecure and overwhelmed by other people's demands.

Pick up those shattered pieces of women's insecurity issues sitting around in your soul, heart and life and build something stunning and gorgeous with them.

It's like the Course in Miracles states, "Do not be afraid to look within you."

If you keep on beating yourself up OR ignoring it and hoping it will all solve itself, you can't pull yourself together.

Unleash the confident, Got-It-Together, GORGEOUS and RADIANT woman you were MEANT to BE.

There is nothing that feels better than having the total life confidence needed to be your real, luminous self.

It makes a woman undeniably gorgeous, and you don't have to be a super model here to be a confident woman.

It is life miracles of the highest order, and you deserve lots and lots of that!

Get YOUR life miraculously going again!

In a previous session I discussed other topics like how to realize more beauty and experience healthy weight loss without paying a fortune for a weight loss program.

And, imagine being able to turn the heads of men (AND women) as you walk into a room, radiating COMPLETE confidence and allowing your inner goddess to glow.

What if I told you that the universe is waiting to give you OCEANS of love?

Wave after wave of it!

A drenching, nourishing, sea of it!

You've built an emotional sea-wall that won't let it get to you, and here's the Truth:

Spark some sizzling hot romance EVEN if your relationship is flat-out boring right now (It takes mere SECONDS to put this to work for you …).

When you feel loved and confident

Don't deny your beautiful heart any longer. Unleash the miracle power of love in your life!

Yes, you can indeed change your love life and everything else, from PESSIMISTIC to PASSIONATE in a heartbeat.

You have what it takes to feel the POWER to go after your dreams, and you naturally ATTRACT the man of your dreams.

And if you're already in a relationship, you can build the kind of life together that most people only dream of.

Dating and relationships are so much easier (and fun!) Once you FINALLY start accepting love.

When you can FINALLY allow for to be given you love unapologetically from the world that's when your life and your relationships start to miraculously transform and you release all those women's insecurity issues.

Extend your inner beauty!

Begin right now in this instant to EFFORTLESSLY accept every kind of good and beautiful love into your life.

When women's insecurity issues have your life split apart in pieces all over the place, it's easy to feel defeated.

When frustration hooks up with unworthiness and they have a child called I AM SO TERRIBLY OVERWHELMED, confidence with women is difficult.

You know what I mean?

Wouldn't it be nice if you could let go of women's insecurity issues and get the JOY and BEAUTY of a woman who has her act together, as easily as ordering a latte with your BFF at your favorite coffee shop?

(Please note I always suggest searching the net for related material on how a woman with no dreams for the future can TODAY become a stronger confident woman.)

To your inner beauty shining forth!

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Source by James Nussbaumer

Views: 0

July 26, 2022
Is There Insurance That Protects a Business Owner From a Strike?

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Even if you are only a little tiny-bit news savvy, you are probably aware of the breaking news about how politics is affecting a business. When an online company won a contract with the government to supply detention centers in Texas with bedding furnishing, no one would have imagined the upheaval?

Employees of the online furniture business voiced their disapproval via a thoroughly disruptive strike.

Notwithstanding that the decision to do business with the detention center was based on the commercial advantage of gaining profit and that in place of sleeping on the floor, the children at the centers would get actual mattresses and beds, the company’s employees determined that the transaction would make a statement of approval for detaining those illegals that were unlawfully attempting to cross the border.

The result of the walkout is in no shape or form good for business and as the refusal of employees to return to work continues it only gets worse and worse.

But while worker strikes occur within many industries – from teachers, hotel staffers and garbage collectors to nurses, hospital and aging home workers and other business employees – there is one common thread connected to the broad diversity.

It can bring extensive financial loss to the boss and his or her corporation.

And while there are a slew of insurance products that actually protect the business owner, there is only a specialty type of coverage that can shield a company from the devastation related to a workers’ strike.

It’s called Strike Insurance.

A strike insurance policy can only be bought separate of a business owners policy because it is considered specialty coverage.

It is best to sit down with an insurance specialist to determine if your business would actually benefit from this type of coverage.

As far as protection is concerned, the policy would cover the financial losses related to a continuous strike. Should your business suffer the effects of an employee strike, you would be compensated for day-to-day loss of income and monetary damages related to the walkout. Be aware, though, that policy limits apply and a strike that sees no end would also not be subject to an infinite duration of coverage protection.

For more on this type of special coverage, contact an experienced insurance agent that has the know-how and network of leading insurance companies to locate the right fit for your business situation – at the best quote.

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Source by M Wyzanski

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
4 Little Known Secrets to Becoming a Profitable Affiliate Marketer

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Affiliate marketing business has gotten a lot of buzz in recent times due to advances in internet technologies and upsurge of social media channels like Facebook, Twitter, LinkedIn etc.

However, some affiliate marketers especially beginners struggle to earn profitably because they do not thoroughly understand the business.

WHAT REALLY IS AFFILIATE MARKETING?

Affiliate Marketing is the process of earning online commissions by promoting products and services. Your commissions are earned each time you get a lead (Potential customer) or sell products online.The interesting aspect of affiliate marketing business is that you can make a ton of money with a little monetary investment.

Furthermore, you can start the business without products or services of your own, work from home and earn passive income even while sleeping if you have an effective system in place.

HOW DOES AFFILIATE MARKETING WORK

Register under the affiliate program of reputable companies that have valuable products and services.

Decide on the niche products to focus on.

Get your custom affiliate tracking link for each product you decide to promote online.

Select the right traffic source to use in promoting the product.

Decide on the marketing strategy to use i.e Blogging, video or social media marketing.

4 MAJOR WINNING STRATEGIES TO INCREASE YOUR PROFITS ONLINE

Focus on a single niche at a time

You should choose a niche that you are both knowledgeable and passionate about. For example, Weight loss, Supplements, Nutrition, Pet training etc. This enables you to easily persuade your customers to buy your products. Also, this will allow you to learn and acquire new selling strategies that will increase your sales and multiply your profits.

Select traffic sources

It is recommended to focus on 2 traffic sources at a time. I will recommend focusing on one search engine and one social media traffic at a time. This enables you to properly track and optimize campaigns launched on each platform thereby maximizing your profits per product.The secret of super affiliates is their ability to focus on a traffic source, testing and tracking campaigns optimally.

Test marketing strategy to use

You can never know if either blogging, social media or video marketing will be most profitable until you test marketing strategies such as:

Blogging: You can write a blog post using well research keywords for search engine optimization. This attracts your clients to your blog and causes them to make a decision.

Video marketing; You can make a video describing the features of the product then you upload it on YouTube for people to watch.

Social Media Marketing: This is the commonest and the easiest method especially for beginners. Facebook is a very good platform because it has lots of groups/forums where you can find people who are interested in your product and service. You can easily send them a friend request and pitch your products to them.

Track the data/results gotten from each of the methods then you focus on the method that produces the greatest profit.

Select the traffic type

The traffic type can either be free or paid traffic.

Free traffic involves search engine optimization, social media groups, and article marketing. The drawback of this method is that it does not allow you to target your client based on their interests and demographics.

Paid traffic involves using Pay per click or Pay per view advertising on search engine and social media platforms. This method is faster, associated with increased conversion and profits because it allows you to target your clients specifically based on interests and other features.

Finally, affiliate marketing business is very lucrative and you can start becoming profitable today once you implement the strategies above.

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Source by Christopher Ugo Oseh

Views: 0

July 25, 2022
CBD Oil for Dogs: A Miracle Medicine for All the Dogs Out There
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Having a sick pet at home can be very stressful for their owners, as one spends all their time searching for the medicines and treatments for them. There are several treatments and medicines available, but it is not necessary that they will be effective on all kinds of dogs. Also, these medicines usually have a lot of side effects too which can lead to reduced functionality in a dog.

But in recent times, there is one medicine that is doing rounds in the pet world and that is CBD. There are several benefits of CBD on a pet’s health, especially it helps in promoting homeostasis which is important for balancing temperature and gives a therapeutic effect.

What is CBD?

Before understanding all the benefits of the best CBD treats for dogs, let’s know what CBD is.
- CBD is cannabidiol and is extracted from the cannabis plant.
- The species of the cannabis plant that is used to extract CBD is hemp.
- There are several cannabinoids that can be extracted from the cannabis plant and this is one of them.
- Cannabidiol will not get pet high.
- Lower amounts of THC.
- It is non-psychoactive in nature.
- It has no known toxicity level, which means no overdose.
How does CBD help?

Every mammal has an endocannabinoid system which handles various processes like immunity, sleep cycle, memory and other functions of a body. Dogs also have the same endocannabinoid system which can interact with endocannabinoids which are released by the brain. But to supplement this supply of endocannabinoid from the brain, one can introduce it externally. This is why it is effective in dogs too, and one can use CBD oil for dogs without any side effects.

What are the benefits of the CBD?

There are several benefits of using CBD for dogs. Let’s list some of the very effective ones:
- Anti-inflammatory
Cbd helps in evoking immune responses and that is why it can reduce any kind of inflammation. It can help in reducing pain caused due to any kind of arthritis, bowel irritation etc.
- Pain-killer
Cbd helps in stopping the absorption of anandamide, which is the natural pain killer. With increased levels of anandamide in blood it helps in reducing the pain sensations.
- Anti-convulsant
It helps in restoring abnormal working of neurons. Abnormal working of the neurons usually leads to seizures and tremors, thus CBD helps in reducing seizures.
- Anti-anxiety
CBD has an anti-anxiety effect and reduces stress and various phobias. Cbd targets serotonin receptors which helps in increasing the serotonin level which curbs any kind of anxiety and fear in all kinds of organisms and in this case dogs.
- Anti-emetic
CBD is helpful in controlling vomiting and nausea in dogs. As it is very common to have nausea while undergoing certain treatments like chemotherapy, CBD can help in this situation and also curb loss appetite.
- Anti-cancer
Malicious tumors are common in pets and it means the dog needs to undergo chemotherapy, which leads to various side-effects. Now it is proven that CBD also has anti-cancerous properties that it can slow the growth of the tumor and even reduce its size in some cases.

All in all, one can say that CBD is a miracle medicine for pets all around. They show exemplary effectiveness among dogs in treating their problems which otherwise would take a lot of medicines and hours with a veterinary. So do not think before choosing the best CBD dog treats to help them in their health troubles.

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Source by Shalini M

Views: 0
July 25, 2022
How Excessive Exercise Might Negatively Affect Your Health

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A great deal of people engage in cardiovascular and several other activities primarily in order to lose weight. Then again, carrying out excessive workouts of any kind could cause the body to begin reacting in a negative way. This brings to memory the proverb that says – too much of anything is bad. And workout is no exception here.

Training is a great thing and it would appear that training even more ought to provide a lot more benefits. In the truest sense, it really does give a little extra gains, until it is taken just a little bit too far. At this juncture, your body may start responding otherwise.

This is correct besides the fact that training is acknowledged to be more of a “healthy stress.” However, your adrenal glands are unable make a distinction between them.

Stress and Cortisol

Excessive physical exercise induces a hormone called cortisol. This hormone tells your body to hang onto its fat stores. The body secretes cortisol anytime it is under any sort of tension.

The stress might be from the school, place of work, unhealthy eating, too little sleep, family issues, and a number of other things. They can easily stress your body and cause it to release cortisol. The regrettable thing is that the body also looks at physical fitness as a stressor.

Consequence of Excessive Physical Exercise

If you push the body way too hard for a long time it may result in higher cortisol levels, adrenal fatigue, and even elevated food cravings.

Stress, regardless of its source, has a way of influencing neurotransmitters. These neurotransmitters, including dopamine, GABA, and serotonin, are our feel-good, anti-anxiety brain chemicals. Stress and excessive extreme training reduces the quantities of these types of neurotransmitters. This usually brings about debilitating weariness, sleep disorders and also depressive disorders.

Continually high amounts of cortisol may have detrimental impact on fat loss. It could also raise your associated risk of a range of health issues.

Female Athlete Triad

For the women, excessive physical exercise can equally result in the “female athlete triad”. This is a condition of, the likely stoppage of her menstruation, eating problems, and brittle bones or bone mineral loss. A mixture of workout and calorie restriction typically leads to these kinds of symptoms.

Decreased Immune Effectiveness

Moderate physical fitness helps to enhance your body’s immune system whereas too much physical exercise tends to suppress it. Excessive workout raises the body’s exposure to infections. Likewise, there is the elevated seriousness of minor infections and also the decreased production of immunoglobulins.

Decrease of Testosterone

Also, it is a reality that cortisol and testosterone clash with each other. Testosterone is important for the development and preservation of skeletal muscle, bone, and red blood cells. They equally assist in weight reduction as they are very metabolically active.

Workout depth (which is over 50% of maximal oxygen intake) of extended period sets off the sympathetic nervous system and results in cortisol overproduction. On the flip side, this stops the discharge of testosterone.

The reduced testosterone, for males, could easily cause decrease in libido. This might however be a combined consequence of both bodily exhaustion as well as the reduced testosterone levels.

In the event that you have been working out too much, the very first course of action is for you to truthfully recognize and acknowledge this reality. You have to admit to yourself that you are really struggling with this problem.

One other idea that may assist you to cut back on the amount of your training routines will be to stick to a training schedule. This schedule should vary your exercise load and equally incorporate obligatory rest periods.

Nevertheless, it will be necessary to seek help from a healthcare professional for the treatment of both the psychological and physical symptoms.

On the other hand, this is not suggesting that you should give up on performing exercises but rather that you have to get the right amount.

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Source by Marcus J Michael

Views: 0

July 25, 2022