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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
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
Premium Email Marketing Tools For Business

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Email marketing is one of the ways to boost your business. Social media has become a platform for promoting trade, and email marketing help in that. Email marketing can be used to improve your services and app. "Email marketing is using the specific tools to send your advertising emails to a group of people." Its one of the easiest ways to make money. Marketers can send a targeted message to the intended group. Data regarding customer needs, products are, and then emails are sent to the specific customers. By email, the business can promote their services, offers and what new they have to offer. Transactional email, Direct email, Mobile email are the ways by which email marketing is done.

This is the cost-effective way, and it is cheaper as compared to others. Target customers are easy to reach within no time and as they are aware of the new things what business has to offer for them. Subscribers get the latest news and offer from the advertiser.

INSIGHTS ON THE TOOLS

There are various tools which help in marketing and making business an edge in the market.

Let's take a view at some of them

CAMPAIGN MONITOR is a template builder tool, and it assures that email can be read easily on mobile, so that customer or client miss no email. Like Google, Yahoo or any other email platform its uses the same interface so that the things don't get complex. You can upload HTML template and can format and edit when in need. Autoresponder can set only, and data segmentation ensures, that the email gets deliver only to the intended clients. Basic and Unlimited are the two packages which this tool offer.

VERTICAL RESPONSE helps to connect email campaigns to social sites like Twitter, LinkedIn, Facebook. It helps to communicate with a large number of audience. With the help of email building wizard, you can build your advertising drive and by freeform HTML customize it to make your list for company. You can use only text no images, and other statistics are required. Up to 4,000 emails can be sent per month.

BENCHMARK key feature is that it offers multiple templates for greetings, promotions and many other events. You can use HTML AND CSS to give it a personalized look. With the built-in spam filter, you can check for objectionable material in your templates. They even have a community where you can provide your views and design. Packages are there and start with 600 emails and increases further.

CAMPAIGNER tool has a lot to offer. It has more than 500 templates which are categorized as industry types and need. Contact management tool is one of the efficient features which it provides, where you can import your contact from the list. Un-subscribed email is automatically removed. In a way, this tool simplifies everything and give more than marketing. You can give a try with the free 30-day trial offer.

MIL CHIMP allows you to take surveys and send it to people to know the opinion of them. Use of survey techniques in social media makes the most out of your advertising techniques. You have the option to customize your list and know who has received the mail or not and will also come to understand that which campaign has received the maximum clicks. It offers the free subscription for 2000 subscribers.

GET RESPONSE This tool lets you efficiently maintain your contact list. You can edit your contact list. This tool track and lets you know who have subscribed, unsubscribed and clicked on links. It also gives you a report in pie and chart form and informs you about the mail it got delivered or not. Different packages are offered depending on the need.

LEAD PAGES helps you to create interactive landing pages for your sites where you have a choice to choose from 50 templates. They are in sync with best email providers. Business can make a mark within no time. Various packages are there for customers. Lead pages can efficiently transform your business quickly.

MAD MIMI Saves your time; you can clone your previous ad campaigns and make the changes according to your need. Old drives can be used in a way and if delete you can undo it also. The detailing features provide you with the information about the number of emails opened, shared, and how many people clicked on the link. By integrating with Google Analytics, it provides the statistics and clicks targeting.

CONSTANT CONTACT Offers you several templates and lets you customize your own. It gives you the detailed report regarding the links and emails. Share on social media like Twitter, Facebook, LinkedIn can boost your business and gives your site the heavy traffic.

TOUT APP is the best regarding functionality and features. It has a large variety of templates to choose from. Integration with CRM gives you the details of every email, how they are proceeding. It provides the transparency, and produce reports on which emails have been clicked, deleted, attachment seen or not. In short, it gives the detailing of each activity going on. This helps you to track your business and changes can be made accordingly as it keeps you aware of every situation.

Email marketing is one of the efficient marketing techniques to promote your services. Effective marketing can give you the higher sales for the business. In this competitive era, the company should be at the prominent methods to attract the audience and make a profit. Sending manual emails to a group of people is a complex task, and it is time-consuming. To save your time and get the desired result email marketing can help you to reach the heights. For any business to succeed the market should be analyzed considering the loss also. It's not necessary that by adopting email marketing, you will always get the positive result.

By proper study and the knowledge of audience can make your business flourish in the market. So opt for this services and let your business boom in the market.

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Source by Anjali Shukla

Views: 0

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
What Is an Aesthetic Doctor?

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Just about everyone knows what Botox and laser hair removal is today, but many do not yet know the term “aesthetic doctor.” This is a bit ironic, since aesthetic doctors are the most likely providers of services such as Botox and laser hair removal. When you see an aesthetic doctor you are seeing a well trained medical professional who specializes in minimally invasive procedures that help patients preserve their youthful appearances. They can also provide services to those with minor skin and medical problems, such as severe acne or burns.

Aesthetic Procedures for the Face

An aesthetic doctor can take care of your face, whether you are in your twenties and concerned about future signs of aging or are already experiencing lines and wrinkles. From simple injection procedures like Botox to more advanced procedures using laser devices, the goal is to keep the face fresh and youthful with well moisturized, beautiful skin.

It is commonly believed that only women go in for these procedures, but they are becoming extremely popular with men as well. Men experience lines, wrinkles and sagging skin just like women, so it only makes sense that they would want to preserve their youthful appearances as well.

Some facial aesthetic procedures may also be used for pigmentation problems, acne, scarring, and other more serious problems on the skin. It is not all about appearances alone.

Aesthetic Procedures for the Body

Procedures performed below the face are typically designed to rejuvenate or contour a problem area. For example, someone may go in for filler rejuvenation on the breasts or buttocks while another goes in for hand rejuvenation. Anything that is bothering you about your body below the neck can probably be treated by a qualified aesthetic doctor.

Aesthetic Procedures for Hair

Hair transplants, hair restoration services, and laser hair removal can all be performed by a trained aesthetic doctor. These services can be for convenience sake, such as going through hair removal services. They can also be offered for those with thinning hair, either caused by natural aging or illness. These services have to be provided through a well trained professional so more damage is not done than good.

Other Services Provided by Aesthetic Doctors

Some aesthetic doctors also offer ongoing programs that combine unique supplements, aesthetic procedures, creams, lotions, and other products developed or promoted by a given doctor. Not all doctors will offer these services, but the best ones will have at least some programs for those with specific needs.

It must be noted that an aesthetic doctor is not the same as someone who gives Botox treatments at a spa or who can be hired for cheap prices to come to your next party. An aesthetic doctor is well trained and will offer a wider variety of services in a safe, medically sound environment. They are more trustworthy than other providers offering very basic services with little experience and training.

If you want to see an aesthetic doctor, it should always start with a basic consultation. The doctor must look at your skin or other areas of your body in question and determine the most appropriate treatment for your specific condition. You may have an idea of what aesthetic procedure you want to have, but your doctor may have another procedure that could work even better.

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Source by Stephanie Zhang

Views: 0

July 29, 2022
How To Find A Good MLM Opportunity!
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How to find a good honest MLM Company after investing precious time and money with maxed out credit card debt, multiple failures, and not knowing what to do next is the reality many people experience.

After working on-line for years, with more failures than successes; I learned how to create a financial freedom lifestyle by research, careful thought, planning and being comfortable with a business

Jane wanted something to help supplement her retirement income. A friend introduced her to an online marketing opportunity that could accumulate wealth and Jane didn’t need to do anything but set it and forget it. The company did the work and she just received a weekly check.

She signed up with no money for this business convinced that the first year she could earn ten thousand dollars a month passive income. But then her free sign-up came with an up sell including admin fee, a twenty-nine dollar monthly website fee to use the back office, and the company offered a marketing system for twenty-nine dollars a month.

Two months later Jane quit, but immediately signed up with another company and continued joining business after business. Nothing worked. Jane learned the hard way after losing thousands of dollars that getting involved an MLM Company needed serious consideration.

If you’re like Jane and are spending more money than you’re earning; chances are you’ve made a mistake. Are you working in a field that you’re interested in, enjoy and won’t stress you to the breaking point? Are you comfortable using the product and selling it? Are you willing to recruit other people and help train them? If you answered no to any of these questions; it’s time for a new start.

A few tips to help you get starting in the right direction.
1. Decide how much time you want or need to work a business.
2. Look for a company that sells products that you would use.
3. Read the product labels. If you’re comfortable then buy the product.
4. Research the company, look at the Better Business Bureau Rating.
5. Check to see if this company is in good standing with the Direct Selling Association.
6. Learn about the Founders/Management of the company (and research those people.) Are they trustworthy?
When you finally chose a company, read carefully the policies/rules/disclaimers and privacy statement.

MLM marketing is a business that requires planning, setting goals, action, and time. Marketing strategies are critical and can become marketing tragedies; market with caution.

Remember this; Everyone is not your customer. And everyone is not interested in joining an MLM Opportunity.

I’ve only touched the surface about how to find business that you could be successful at working and also have fun doing it.

People buy from people; not companies. Brand yourself not the company. That company may not always work out or stay in business. By branding yourself you can move on and keep your followers.

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Source by Patricia A Gaines

Views: 0
July 29, 2022
When You're Back on the Dating Scene

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With so many relationships breaking down and such a high percentage of marriages ending in divorce it's no wonder that many of us will, at some point, end up back on the dating scene.

We may be older and wiser, a little battered and bruised, but often, once we're ready to date again, thinking about rejoining the fray, we'll be harboring the fantasy of meeting someone special. Back on the dating scene means being optimistic, hopeful and looking forward to finding love again.

What do we need to consider when we're back on the dating scene?

– Our previous relationship experiences may have scarred our view and made us wary of what might go wrong. We may be keen to meet someone new but are nervous of trusting again. Cynicism of others' motives and being uncertain of our own instincts after getting it wrong may be sensible forms of self-protection, but if we treat all new dates with apprehension they will quickly sense our hesitancy and lack of enthusiasm. It's not going to bode well if we're on permanent alert, suspicious of their comments, behavior or intentions.

Counseling and hypnotherapy can be a useful start to the healing process and a good way to deal with past upsets. Therapy can help us to improve our confidence, self-esteem and remedy unwanted habit patterns, so becoming more assertive in an appropriate adult way. Don't forget that most potential dates will have their own story too, with their concerns, unease and fears. Starting out, second time around, can be a cautious time for both.

– This can be a good time to do things that boost your confidence. Maybe your wardrobe, make up or grooming regime need a refresh. Small changes can make a massive difference to how you feel about yourself and often cost very little to implement. Pay attention to current affairs, popular TV and local events so that you can easily join in conversations and offer relevant opinions. Think about picking up a hobby or interest, volunteering or joining a course. Exams don't have to be a factor!

– You may have to deal with children who are not too impressed at the thought of you dating again. They may have been through the damage of the breakup, witnessed the pain of the divorce and are used to you being around, more like your old self and always there for them. The thought of a new 'mum' or 'dad' arriving on the scene may fill them with horror.

Dependant on their age and awareness of the reasons for the breakup, they may have put your ex on a pedestal, especially if he or she is seen as the victim, all alone and struggling to recover. Giving you 'permission' to starting dating again might seem like a step too far and incredibly disloyal.

Children's jealousy, resentment and emotional blackmail may need to be navigated with kind but firm determination, especially if they refuse to share you or treat any potential serious new relationship with shock or disdain. Sometimes it's advisable to keep the fact that you're dating private until you're confident that this new relationship is right for you, even if that decision remains in place for months or even years, until the children are older or more settled.

And if they do insist on overseeing your love life it's important to refuse to allow yourself to be bullied by them. Older children are often determined to live their life on their terms, but equally they must allow you to do the same.

– Ageing, older parents can sometimes start to increase their demands just as you're ready to start back on the dating scene. They may be increasingly fragile and in need of greater levels of support. There may be concerns at leaving them unattended for too long, or that you could be called away at a moments notice. It could make the notion of dating again seem like too much hassle.

But supportive friends or the services offered by many local care agencies could potentially step into the breach and provide whatever level of support is required to help ease those concerns. And mobile phones make us all easily accessible.

– Friends too can send mixed messages. Sometimes at the outset, they may display great enthusiasm about getting you back on the dating scene. They may be keen to introduce you to single friends, arrange coffees, support you as you aim to lose a little weight and update your image. But then, if you become more committed to dating reality may sink in for them. The awareness that if you become serious about someone new and how it could significantly change your close, supportive relationship may hit them hard and prompt them to revise their approach.

Become aware of them starting to discourage you or of them regularly finding fault with your new love interest. Trust your gut and pay attention to any reasonable concerns they may have, but also appreciate that other people's perception of your date will be different to yours, especially if they're coming from a long-established, cozy, familiar relationship scenario.

Have some fun, take good care of yourself and enjoy getting back on the dating scene!

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Source by Susan Leigh

Views: 0

July 28, 2022
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
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
Reiki Healing Can Ease Your Pain

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I was looking through a newspaper the other day and one thing that caught my eye was an article about the opioid crises. In this article, addiction specialist Dr Robert Lefever, spoke about how so many people are hooked on drugs that are designed to take pain away.

When this happens, someone will end up taking them for years instead of a matter of days or weeks. He didn’t blame the drugs companies, though; he pointed the finger at the doctors that are happy to keep prescribing them.

A Powerful Figure

In the western world, a doctor is often perceived as an all-powerful, all-knowing figure. Therefore, if a doctor tells someone to do something, it is unlikely that they will question what they are being told.

The fact that is has come out of this persons mouth can be seen as a sign that it is the right thing to do. Thus, if someone is in a bad way and a doctor prescribes then more pills, pills that are designed to take their pain away, why would they bat an eyelid?

Another Part

When it comes to drugs or even healing modalities, the placebo effect is often spoken about. Quite simply, this relates to the effect that one’s mind has when it comes to the impact that a drug or healing modality has on them.

In other words, what they take or what is done to them is not the only factor involved in the healing process. The way that their mind perceives what they are given or what is done will also play a part in how effective something is.

The Connection

So due to how one perceives their doctor, this person can also play a part in what effect something will have on them. Someone can then find that they feel better simply for being in their presence.

And, if this person was to give them a load of sugar pills but told one that they were powerful pain killers, they might find that they feel better after they have taken them for a while. It could be said that the placebo effect is always at work and this is because the mind can’t be cast aside.

A Number of Solutions

This doctor didn’t just talk about on what is not right or say that doctors need to change their approach, he also spoke about a number of other options that should be offered instead. There was acupuncture, transcutaneous nerve stimulation (TNS), and Reiki.

I was familiar with the first thing, hadn’t heard of the second thing, and had experienced the benefits of the last thing. From my own experience, I can say that Reiki can be used to take pain away and to heal the body.

A Real Example

A little while ago, I had a minor operation and once the anaesthetic wore off, I experienced a fair amount of pain. Fortunately, I had learnt Reiki healing many, many years ago and was able to use this healing technique on myself.

I placed my hands on the area where I felt pain and my hands soon felt incredibly warm. I did this for about half an hour and from that moment onwards, the pain was not as strong as it once was.

It’s not a Magic Wand

I continued to use Reiki on this area for a number of days and for the same amount of time each time, which caused the pain to diminish even more. It was then not that I did it once and then everything was fine – I was consistent with it.

In the same way that a pill needs to be taken on a regular basis to work, Reiki healing also needs to be experienced on a regular basis to have a big impact. That is, of course, unless it doesn’t, and one or a few sessions is enough.

Final Thoughts

After reading this you may believe that Reiki healing can assist you and be open to giving it a go or you may be sceptical. If you are sceptical, I can relate to what you are experiencing as I can also be very sceptical.

However, the best thing may be for you to give it a go and to see what happens. If you are in pain, and this pain has been with you for a while, it must surely be worth a go?

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Source by Oliver JR Cooper

Views: 0

July 25, 2022