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  • Why Customer Concentration Impacts a Business Sale Transaction

    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

  • 4 Little Known Secrets to Becoming a Profitable Affiliate Marketer

    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

  • Here Is Your Affiliate Marketing Check List

    Here Is Your Affiliate Marketing Check List

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    Affiliate marketing is a way for a merchant to partner with independent marketers and pay them commissions for promoting his/her products or services.

    When you sign up for an Affiliate Program, normally they cost nothing to join, you will be allocated

    a special link (That is your Affiliate Link) for that product or service. This is a link or code that will help you and the merchant track the number of clicks and purchases and of course it tells the merchant who should be paid commissions.

    To set up and start an affiliate marketing business you will have to decide what will be suitable for you as a way to promote.

    Is it via a website,a blog,social networks or perhaps You Tube?

    My recommendation is either a website or blog. On your blog or your site you can write permanent posts and pages that contain affiliate links.

    On your blog or website you will be describing,reviewing,recommending and making clear the advantages of buying the product or services that you are promoting. Whatever you write,somewhere within the text needs to be your affiliate link so that when anybody thinking of making a purchase clicks on that link and buys it is your affiliate details that are provided to the merchant thereby enabling your commission payment.

    You now need to get people to read what you have written on your website or blog, you get traffic to the site, attract visitors.

    A lot of people when they are first starting do not know what to say to secure an audience.

    If you write content in a way that gives useful information to your readers and that describes the products in an appealing way they are more likely to want to buy them. The more specific and reliable content that you are able to produce the more interest you are creating.

    Interest builds you a following and that often converts to buyers then before you know it, you’re earning money for every visitor that clicks on your affiliate link and buys a product or a service that you promote.

    You will be wise to build yourself an email list so that you use e-mail marketing to further connect with your audience and inform them of your new content and offers.

    Building your email list is yet another subject and there are many strategies that need to be explored in detail.

    Advice on this can be found all across the internet.

    Get started with your Affiliate marketing business today, good luck but remember, never give up!

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    Source by Brian Potter

    Views: 0

  • Wisdom For Living

    Wisdom For Living

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    Do you have wisdom? Wisdom is the key to successful living on earth. Lack of it is to be groping in the dark and be surrounded by great woes, wailing and destruction. Wisdom makes the difference between success and failure, life and death, poverty and prosperity, health and sickness. Possession of wisdom is to possess life.

    “I, wisdom, dwell with prudence, and find out knowledge and discretion… I love those who love me, and those who seek me diligently will find me. Riches and honor are with me, enduring riches and righteousness… The Lord possessed me at the beginning of His way, before His works of old… Then I was beside Him as a master craftsman; and I was daily His delight, rejoicing always before Him… – Proverbs 8:12, 17-18, 22, 30 (NKJV).

    The Lord founded the earth by wisdom (Proverbs 3:19) and so man needs wisdom to be able to occupy her successfully. Wisdom is the principal thing to possess in order to enjoy living on earth. Every challenge in life is basically a wisdom problem and to have wisdom for any challenge is to have 50% of it solved.

    Wisdom was God’s master craftsman in creation. He utilized wisdom to successfully create all we see, use and enjoy. With wisdom you have prudence, knowledge and discretion; a complete package that will help you not to stumble or make mistakes in your words and action.

    The choices you make are measures of the wisdom available to you. The more the wisdom you acquire the better your choices and the outcomes you get. It is your responsibility to go for wisdom in all areas of your life. You need wisdom to live a victorious Christian life and also to live every phase of your life very well and remarkably: as a child, student, worker, spouse, parent, friend, leader, neighbour, colleague, group member, boss, employee and client. The list can go on and on. Your level of wisdom will affect your relationship with others and so is important that you possess it.

    Your tomorrow is a product of your application of wisdom today. The wisdom seeds you plant today grow and add up to give you a glorious future. The wisdom steps you take today will take you to your ultimate peak tomorrow. The prize you pay today to get wisdom cannot be compared to the returns that will come to you in future. The outcome of wisdom is worth all you have to put in or sacrifice to get it. The success of your life depends on it, so go for the wisdom for living.

    The word of God (The bible), which is the bag of wisdom seeds, has all the wisdom you need to live a triumphant life on this earth. Search the word for them, for whoever finds wisdom finds life and obtains favour from God.

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    Source by Ngozi Nwoke

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  • Future and Scope Of Multi-Level Marketing As An Alternative Employment Source

    Future and Scope Of Multi-Level Marketing As An Alternative Employment Source

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    The industry of multi-level marketing is becoming quite popular among budding entrepreneurs and people from different walks of life. The sole reason for this increasing popularity is that it offers every people to set their own home business with attractive financial opportunities. In addition to that, people do enjoy freedoms like fixing their own job hours along with developing their own marketing and product selling strategies without any kind of interference. Here they have the right to claim their legitimate financial shares not only from their personal sales but also that from their down-line members.

    In the multi-level marketing sector there is always an increased demand of hard working employees and this demand never extinguishes even during tight situation like that of global recession. For college students this sector provides the appropriate platform to receive training on product selling and to hone marketing skills under the supervision of experienced distributors without spending any money from the pocket.

    The Multi-level marketing industry will soon become the most suitable form of alternative employment opportunities even for the highly qualified professionals. It is because in the coming days this industry will be the sole guiding force to dominate the world economy. This strategic commercial model will also present the opportunity of earning part time incomes for retired people and those working in other service sectors. In order to join in this lucrative sector there is no need of acquiring special educational qualification except simple application of common sense while selling and marketing products before the target customers.

    Firms following this business model have been able to maximize the sale and marketing of their products and services to the fullest extent. It has also helped them in earning highest possible revenues in every year. Using this strategic business model companies like Qivana, Sunrider, Fuxion and many more have been able to be in constant touch with the changing tastes and preferences of the customers when it comes to buy and choose new products and services. These firms are also helping distributors with the options of leading luxurious life with greater financial autonomy through their unique and effective compensation plans.

    These compensation plans play a vital role in the sector of multi-level marketing in determining the hardworking initiative of the distributors to reward them adequately with robust bonuses and incentives along with the opportunity to spend vacation in exotic places. So without wasting any more time people must enroll in this sector early for leading a happy and joyous life with family and friends forever.

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    Source by Manojit Chatterjee

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  • Cats Claw Supplements As Holistic Medicine

    Cats Claw Supplements As Holistic Medicine

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    Cats Claw is a medicinal Herb from the Forest of Peru. It has attracted a lot of interest in the quest for natural health care. The plant is vital in the treatment of arthritis, allergies, diabetes, bursitis, lupus, chronic fatigue, cancer, depression, herpes, menstrual irregularities and stomach and intestinal disorders.

    The Peruvian rain forest herb has been used to treat ulcers and cancer for over 20 years since its discovery.

    Things to look for in a Good Supplement Drug

    The ant-inflammatory drug compounds of cat’s claw have proven to be efficient in the treatment of arthritis and other joint ailments. The anti-cancer drug components explored in research on the mutagenic capacity to form bind in test smokers’ urine. The Unique cat’s claw alkaloids improve the immune system.

    The alkaloids have an effect on the ability of white blood cells to overwhelm and digest harmful micro-organisms. When isolated from the natural ingredient, Alkaloid has proven to be useful in stimulating the immune system. The most immune- active alkaloid is known as iso pteropodine.

    Cat’s claw is also known to increase the production of leukocytes in the body, particularly the T4 lymphocytes, therefore able to block many viral illnesses.

    The herb thwarts viral infections and helps chemically sensitive patients, to fight infections in AIDS and decrease the growth of some skin tumors and cysts. The pure herb is also known to increase stamina and energy in patients suffering from physical and mental exhaustion from leading a stressful lifestyle.

    How to take Cat’s Claw Prescription

    When considering the use of herbal supplements, consult with your doctor before consuming any supplements. You may also consult wa physician who is trained in the knowledge of herbal/health medicines.

    If you choose to use cat’s claw range of herbs, use it as directed on the package, or as directed by a physician or a pharmacist, and other trained healthcare providers. Do not consume more than is suggested on the product label.

    Do not use different forms of the peruvian herb at the same time without medical advice. (Liquid, tablets, teas, tincture) consuming various formulations increases the risk of an overdose which may be fatal.

    If you have a scheduled surgery, discontinue taking the herbal medicine for two weeks before the main surgery date.

    If you have prescription medication; do not combine these with natural medicine.Confirm with your doctor the best possible method

    Consult with your doctor if the treatment with cat’s claws medication does not improve, or if the symptoms get worse while using this drug.

    Store all medicines at room temperature, and away from heat or moisture.( 60 words remaining)

    Products

    1. Pure Encapsulations Cat’s Claw is a traditional herb from the Peruvian rain forest.It is used as a supplementary to cure used joints problems, heart disease, the immune system and gastrointestinal complications. It also protects the gut from antioxidants. The capsule is extracted from hypoallergenic whole herbs.

    Contraindications:

    Not recommended for patients to sunflowers or daisy flower allergies.

    Discontinue use if any unpleasant reactions occur.

    Not recommended for persons under 18 years.

    Keep all medicines out of children’s reach

    Store your medication at standard room temperature.

    Contains 450 mg of cat’s claw extract/pack.

    Serving Size: 1 Capsule.

    Oxindole alkaloids per serving 3%

    2. Solaray Cat’s Claw

    Solaray is a supplementary herbal drug that provides nutritional support for the normal functioning of the immune system and healthy joints. Solaray Herbs includes an energy extract of 4% Oxindole Alkaloids

    The bark extracts contains the ingredient Uncaria tomentosa in 8 mg

    Supplement specs:

    Amount per Serving: 200 mg

    Portion Size: 1 Capsule

    Portion per bottle: 30

    Use as directed by a physician

    Swallow one tablet twice per day with a meal

    Not recommended for persons with sunflower allergies. Stop usage and consult your doctor if any reactions occur.

    Not proposed to patients less than 18 years.

    Keep out of reach of children.

    Store in a cool, dry place.

    3. Solgar Cat’s Claw

    Solgar is a herb made using traditional Peruvian herbs and enhanced using technology.To ensure reliable nutrient levels, the herb is isolated using active plant compounds. The standardized compounds are blended with all of the natural herbs.The resulting complete herbal extract contains all the synergistic natural medicinal benefits.

    Ingredients Include Herbal Cellulose and herbal Magnesium Stearate.

    The Solgar does not contain Yeast, soy, gluten, artificial flavors, colors or preservatives

    Used as an adult’s diet supplement

    Swallow 2 pills/ day, with a meal or as directed by a doctor.

    Ingredients:

    Echinacea Extract: 50mg

    Echinacea Powder: 200mg

    Goldenseal Powder: 200mg

    Extract inner bark Serving Size: 2 Vegetable Capsules

    Solgar:1000mg

    4. Nature’s Way Cat’s Claw Bark

    Nature’s Way herb is produced from the bark Uncaria tomentosa.

    The supplementary medicines are analyzed for complete oxindole and tetracyclic alkaloid content.

    Bark Extract:1.455g

    Serving: Take 3 pills, 2-3 times a day

    Dietary fibre:1g

    Not to be consumed by pregnant women or nursing mothers.

    Not to be consumed If you have a pre-existing medical condition, consult your private doctor before taking any herbal dietary supplements.

    If taking any prescribed medication, consult a qualified doctor before consuming your diet supplements.

    Nature’s Way Does not contain any artificial coloring, corn, preservatives, artificial flavoring, gluten, products

    Salt, soy, yeast sugar, dairy products, wheat or any other medicinal additives.

    5. Source Naturals

    Cat’s Claw Bark is a rain forest herb that Supports the Human Immune System. It has been Used for centuries by Indigenous Peruvians to cure the gut system and joint pains.

    The inner bark contains unique, energetic nutrients that support the human body’s immune system.

    The bark is extracted with care so as not to harm or disturb the Peruvian rain forest ecosystem.

    Ingredients: 500 mg Tablets

    Available in bottle pack capacity of 30 pills, 60pills, and 120pills

    Daily intake: 1 or 2 tablets as directed by physician

    Allergies: Suitable for vegetarians.

    Cats claw does not contain yeast, eggs, dairy, gluten, soy, corn, or wheat. No preservatives, artificial coloring, added flavors or fragrance.No sugar, salt, starch

    6. Pure Mountain Botanicals

    Pure Mountain is made with potent natural herbs from the Peruvian bark powder. Cat’s claw is formerly known as Una de Gato. The herb is known to cure many diseases including the improvement of AIDS immune system. It is combined with flaxseed to create nature’s Pure Mountain supplements.

    Ingredients:

    500mg cats claw herbal extract

    Cat’s Claw pills – 90 Capsules

    The Pure Mountain cat’s claw supplement is a natural herb that is gluten and kosher-free,

    Big Mountain contains no additives, preservatives or chemicalized agents.

    Should be consumed under the doctor’s medical screening and supervision

    Should not be taken by lactating mothers or children under 18 years

    7. Now Foods

    This is a pure herb that is used to treat various ailments naturally with herbal extracts from the Peru Rainforest. The natural medicine is carefully manufactured with the popular Peruvian bark herb. Combined with other natural resources to create Now Food’s Cat’s Claw supplementary medicines

    Ingredients:

    Cat’s claw internal bark: 1000mg

    Stearic Acid

    Cellulose

    Packaging Capacity: 100 capsules

    Serving: 50 Tablets. Take 2 tablets twice per day

    Cats claw does not include yeast, gluten, soy, dairy products, preservatives, sugar, salt, color, and flavors or tree nut components.

    Precaution: For adults’ consumption only.

    Not suitable for pregnant women or nursing mothers.

    Consult a professional physician if you are under prescribed medication

    8. Planetary Herbals

    Cat’s claw Planetary Herbal is a wood extract that grows in the Peruvian Amazon. The Indigenous Peru people have utilized this plant for many years. Planetary Herbals uses the inner bark for medicinal purposes. The supplements are used to cure lifestyle diseases such as cancer, arthritis and intestinal complications.

    Serving Size: 1.0 ml

    45 twice or thrice per day with meals

    Medicinal Ingredients:

    70% grain alcohol

    Purified water

    Liquid form extract

    Warning: Not for pregnant or breastfeeding women

    Do not use if seal tampers, missing or broken

    Keep all supplements off from children

    Shake the medicine well before use and store away from sunlight.

    9. Peruvian Naturals 500mg

    This is a potent anti-inflammatory herb supplementary that supports the internal human immune system. The Peruvian Naturals is a herb found in the rain forests of Peru. The different medicinal bark is rich in antioxidants which make it an important supplement for supporting the immune system.

    It helps an anti-inflammatory system and reduces pain in the joints.

    Repairs sun damaged skin

    Repairs wore out DNA to restore the correct immunity in the body

    Ingredients:

    Maca: 800mg

    Bark Extract

    Chancapiedra

    Serving: 500mg

    Serving Size: 1 tablet per day

    Cat’s Claw sustained the bone marrow when low undersupplied

    Supports cardiovascular wellbeing, and detoxifies the colon

    10. Nature’s Herbs Cat’s Claw

    Cat’s Claw Nature’s Herbs is a medicinal plant which grows in the Peruvian highlands of the Amazon. The restricted plant includes natural antioxidants in each produced capsule, fitted with oxygen absorbent elements in every packed bottle for uncompromised supplement medicine quality.

    Ingredients:

    Herbs: 500mg

    Black Pepper Extract: 1.67 mg

    Gelatin, triglycerides, vitamin E, Oxindole Alkaloids, Bioperine, Uncaria Tomentosa

    And Rosemary oil.

    Warnings and Contraindications: Not to be taken by nursing mothers or pregnant women.

    Not recommended for patients with existing medical conditions or prescribed medication.

    Consult with your doctor before consuming the supplements.

    Cats claw has numerous therapeutic uses that surpass other known herbal medicines such as Echinacea, and Golden Seal. Cat’s claw also detoxifies the intestinal tract system and cures stomach and bowel infections.

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    Source by Gladys W Kimani

    Views: 0

  • Shop Smart & Save Money 2019

    Shop Smart & Save Money 2019

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    In this eCommerce era, it has become possible to find the best deals using a smartphone or a laptop, and get it shipped to your doorstep. It also became possible to score deals in stores, online and through apps.

    There are 3 ways to shop smart and save money in 2019, before buying, while buying and after purchase.

    1-How to save money before buying an item?

    When I find a product I want or need, the first step is to decide whether to purchase it online or in store. Then what store or online platform offers the best quality to price ratio. I also look at some elements that I believe to be very important before making any purchase:

    -Shipping Policy: It’s important to know if a price tag online comes with free shipping or if the customer is responsible for this cost.

    -Return Policy: It’s also important to find out if a seller or a shopping platform offers free returns or not. With a free return policy in place, the seller will pay for the return shipping cost if the customer doesn’t like the item received.

    -Location: Where is the item you are purchasing being shipped from? The items origin location will determine how long it should take for your item to arrive. However there are a lot of online sellers that use the drop shipping method. When the consumer purchases, the seller (who doesn’t have the item on hand) then has the manufacturer or a 3rd party entity ship the item to the customer. These items are usually being shipped from overseas from countries like China, which will take a lot longer for the for the item to arrive. If you are OK waiting that long for shipping it makes no sense to go through a drop shipper, you could pay less by going directly to Alibabba or ALiexpress websites.

    Following are some ways I use to score some good deals

    Disclaimer: This post contains affiliate links to products. We may receive a commission for purchases made through these links.

    Shop & Save Money

    -Goodwill Outlet Store

    Goodwill Outlet is a good example of a store that I never visited before 2018. Now I can go there and buy as many items as I want for very cheap, and if I’m lucky enough that day, I can find some brand name items, to keep or resell online. I can pay up to $1.49 for a pound of clothes (prices vary depending upon location). The Goodwill outlet in my opinion is not only for someone who resells online. I encourage you to visit the Goodwill outlet store in your area, it’s an experience that you will enjoy if you like finding deals, and it’s for a good cause. If you decide to go after reading this article or if you have been there, please share with us your experience in the comments area for everyone to learn from

    -eBay Auctions

    eBay is another platform where you are most likely to score a deal. It’s in my list of smart ways to shop online in 2019 for 3 reasons:

    1. Huge inventory with a possibility to make an offer, which gives you some control over the price to are willing to pay for an item. If the seller accepts you have a deal.

    2. HUGE number of auctions you can win for cheap if you know what you are doing. I usually score a great deal quickly by bidding on auctions that are ending soon with no bidders. I found out that winning auctions is a great way to save money and shop smart.

    3. Rare finds in all categories

    eBay has been around for a while and has a strong brand that offers a good buyer protection policy and has trust from around the world.The eBay platform is another smart way to shop, and also get rid of unwanted items around the house. I sell on eBay and keep a Top Rated seller status with a 100% customer feedback, just by keeping my prices low, accepting reasonable offers, and trying to give the best customer service possible. You can still get a good feedback even if the item isn’t brand new, as long as you are honest and mention any scratches or blemishes in the description. You can find my store on eBay here. I will appreciate it if you check it out.

    -Poshmark

    I love the poshmark app because It’s easy to use, and it’s a great way to find some good deals in the clothing category. As a posher, you can make offers on items you like and use the power of negotiation to your advantage to ask poshers to lower their prices. You can also follow the sellers you like and join parties based on brands or item categories you’re interested in.The Poshmark App made it to my list of smart ways to shop in 2019 because it allows it’s members to be buyers and sellers at the same time. It’s a great way to clean up your closet and get rid of the clothes you don’t use anymore.If you don’t have a Poshmark account, you can receive a free $5 bonus when you sign up with my code SARADRETAIL.

    Disclaimer: If you use my code to sign up to poshmark for free, you will receive a $5 credit and I will receive a $5 credit after you make your first purchase. Please leave me a comment below to follow your closet, you can check out my closet here.

    -ThredUP:

    ThredUP is another website that makes buying brand name preowned clothing and accessories affordable.Their customer service is great, their shipping is quick, and their prices are some of the best in the market. Every purchase I make in the thredUP website is a deal. Check it out here if you are looking for some high ticket items for a really good price. Some of the brands available on thredUP: GUCCI, BURBERRY, GIORGIO ARMANI, MAX MARA, J.CREW, THEORY, COACH, VINCE, MICHAEL KORS…

    2-HOW TO SAVE MONEY WHILE BUYING AN ITEM?

    There are a couple of different ways to save money while buying products. When you are buying online, depending upon your platform (ie. eBay, amazon, poshmark, craigslist, letgo, offerup, etc.) you may have the power of negotiating your price. Haggling over price is still used in many cultures all over the world, but ultimatley as a buyer we haggle to get the best price we can. Many platforms now have a way to haggle through “Best offer” or “Make an Offer” options. Of course the seller ultimately gets to decide to accept, counter or decline the offer. As long as you offer a reasonable price and don’t low ball in most cases you can expect to pay a lower price than originally was being asked.

    Another way to save money online is through coupons, ecoupons, and promo codes. You may be thinking did I just read coupons, aren’t those the things my mom cuts out of the Sunday paper. Well they aren’t just for in store purchases any more. Everything is online now-a-days and that includes discount coupons. There are websites that offer online discounts and printable coupons for almost any item, any store and any retailer at the click of button. These discount codes can be entered at checkout to get anywhere from 10-70% off your total purchase. Plus on many platforms if you bundle (purchase more than 1 item from the same seller) your purchase you can save even more.

    Coupons have been used at grocery retailers for over a hundred years. With technology retailers are now able to offer their customers direct mail and email coupons, they can put coupons on their website and customers can even save them on their phone. There are coupons available for any item, any discount and any retailer. Its just a matter of finding the best coupon to use for your purchase.

    Here you can check out Coupons.com for some good deals.

    Shop Smart In 2019

    3-How to Save money after purchase?

    3-How to Save money after purchase?

    You may be wondering what I mean by saving money after you have made a purchase. It doesn’t make sense that you can save money after you have already purchased an item. Well in actuality I mean cash back rewards. Cash back rewards allow you to earn cash back on any item you have purchased, in turn allowing you to save off the purchase of that product.

    We are in the age of apps. We have become glued to our phones, never letting them out of our site, using them to not only make phone calls but browse the internet, purchase products, watch tv, read a book, etc. Apps have become a normal part of our phones anatomy. And there are some apps which allow you to make cash back by doing your normal everyday shopping. These apps include Ibotta, Shopkick, Receipt Hog, FetchRewards, etc. The basic premise of these apps is once you make a purchase you upload your receipt and based upon the items purchased and total spent, you will receive a point value. The points equal a dollar amount and once you reach a certain points total you get that dollar amount either through paypal or through gift cards, etc. Each app has its own unique additions such as getting points just to walk into a store, or scanning certain products. Its nice to know that you can get rewarded for doing normal everyday things such as shopping.

    These are the apps I use. If you sign up under me you will get starting bonus:

    Ibotta: gyrrrvo

    Shopkick: SAVE219356 – get 250 kicks for signing up

    Fetch Rewards: YF8AD – get 3000 points for signing up

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    Source by Sarah Labdar

    Views: 0

  • Who is a Marketer?

    Who is a Marketer?

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    Many people would think that marketer is a person that only stimulates the demand for products and services on the market. In other words marketers are trying to convince people to buy stuff they don’t need. Well, it is not that simple. A marketer is a person who uses marketing methods to promote a product. There may be many marketers but there are only a few successful marketers. The main way in which the success of a marketer is measured is through the growth in the revenue and profits of the company. There are some ways in which a marketer can become successful.

    The first thing that marketers have to do to increase growth in the company is to find a suitable way to relate revenue growth with the marketing. This can be done if the marketer is able to quantify a fixed percentage of the revenue growth as an outcome of some specific marketing activities.

    An example of this can be- advertisement campaign during the first and second quarter led to a 10% revenue increase. When the marketer is able to define revenue as a product of marketing activities, he/she becomes empowered enough to define the return on investments (ROI). This gives the marketer additional authority on business decisions.

    A successful marketer has to drive the other sectors of a business into taking possession of new technology and tools- things that can enhance customer satisfaction. For instance, in British Telecom, marketing is in charge of the IT department. They seek to better customer interaction with the help of developing Web based services.

    The existing tools of sales that are already present are reviewed time and again and efficiency is sought to be augmented. Customer is the main stay of present day business. Everything revolves around the customer. Therefore modern day business cannot survive without marketing occupying the main place to drive various technologies and tools. This is required for customer satisfaction.

    Marketing also provides services and guidance to the organization. Details such as the future requirements of the market are all provided to R&D and engineers by marketing professionals. This is done so that the company can keep track with the changing demands of time and make products accordingly.

    Simultaneously, marketing also acts along with sales to find opportunities. Products have to be taken through appropriate channels; these are suggested by these two operations. The behavior of potential and current customers is adjudged by these two- customers not only buy products they also influence the mechanism of future products. If there is any innovation in new products and services, it is done by marketing and sales.

    A successful marketer will also be a strategic leader. They can head different projects starting from product innovation to positioning, pricing to communications. A successful marketer needs to think with a vision. A successful marketer will also employ such people who can do a lot more than their counterparts who are present in competing companies.

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    Source by Pepik Smith

    Views: 0

  • Playing With the Cure Time of Molds and Casts

    Playing With the Cure Time of Molds and Casts

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    Every mold making and casting material comes with its own specific range of cure time. This is nothing but the time that the material will take to get completely cured. It can range from just a few minutes to hours or even a few days. The mold or cast has to be left to air dry on its own and there is nothing much that the artist can do in the meanwhile.

    Similarly, the pot time or working time is the time on hand to work with the product after it is mixed until it starts to set. After this, the material will not work properly.

    For instance, alginate is renowned for its quick setting and curing time, whereas materials like latex rubber require days on end to cure before they are ready for use. Most silicones have a cure time between 18 to 24 hours.

    What to do?

    Artists use various measures to speed up or prolong the cure time. In fact, delayed-setting and quick curing options are available for alginates, plasters, silicone and other materials. Sometimes, fibers, fillers, talc or magnesium oxide (for plaster) are added to achieve the same effect.

    For certain materials like silicone, fast catalysts are also available. These can be added to the silicone rubber to significantly reduce the cure time, sometimes to even just an hour! Care is needed as adding too much catalyst may make the material start curing even before it can be applied.

    Alternatively, techniques like hot air dryer, dehumidifier or baking in an oven are used to hasten the cure time. In fact, plaster casts are often baked to reduce the curing time to 12 to 24 hours. However, too much of the hot air can also cause the mold or cast to crack or spall. Also, silicone does not react very well to heating from dryers or lamps; it may just break out in unsightly bubbles all over the mold or cast.

    Temperature variation

    It should be noted that the pot time and cure time is generally measured at normal room temperature. It will definitely vary depending on the atmospheric and climatic conditions prevailing at the time of working/curing. For instance, cooler temperatures tend to increase the pot time and cure time while warmer weather is sure to reduce both working time and cure time.

    This phenomenon can be easily used to vary the pot/cure time to suit your convenience when trying how to make molds. All you have to do is gently warm the material (both base and catalyst for two-part materials) before using them. This will speed up the chemical reaction and the mold or cast will take lesser time to cure. But keep in mind that the working time is also reduced and the material will start setting much more quickly. Do not overheat the materials either.

    Similarly, cure time can be easily increased by refrigerating the material (both base and catalyst again) prior to use of how to make molds. This will give more time for working with the material per se.

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    Source by Ed McCormick

    Views: 0

  • 5 Changes You Can Make Now to Improve Penis Health and Function

    5 Changes You Can Make Now to Improve Penis Health and Function

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    A healthy member means a healthy sex life, and that means taking the right steps to improve penis health. Fortunately, the most effective steps are (quite literally) in your hands, and making these five changes can benefit not only your manhood, but your overall physical and mental health.

    1) Exercise. Everything is connected to heart, lung and blood vessel health, so keeping these in order is one of the most important things you can do for your health and your penis. Whether you are up for a round of golf, a little light gardening, or a triathlon, any increase in exercise will definitely pay off. Remember to consult your doctor before beginning a regular exercise program, but hurry and make that appointment, because many men find that they have better, long-lasting erections when they exercise regularly.

    2) Eat clean. When looking to improve penis health, start at the kitchen. As you begin to exercise more, your body will demand nutrient-packed food. Eat lots of dark, leafy green vegetables and fruits to keep trim and in shape. Fatty, processed foods can cause damage to blood vessels, which in turn reduces the flow of blood into the penis. Keep those vessels clean and clear by reducing fatty food, salt and sugar intake. Aside from the physical benefits of weight loss, men may feel more confident, more energetic and less depressed.

    3) Treat mind as well as body.Men suffering from depression, anxiety and stress can experience erectile dysfunction issues. Problems in the bedroom can make for a rocky relationships, as well as affecting self-esteem, which in turn can increase your levels of stress and have long-lasting effects on your life. If you’re feeling blue, low, or are experiencing any of the following symptoms: anxiety, apathy, loss of appetite, excessive hunger, irritability, social isolation or unusual weight gain or loss, reach out to a medical professional for treatment options..

    4) Put out the butts. If you don’t smoke, fantastic. If you do smoke, quit now. Men who smoke are more likely to develop erectile dysfunction and other penile problems than men who don’t light up. Men who have smoked heavily and for a long time may have issues with the blood flow traveling to the penis. Smoking leads to narrowing of the arteries, which means it can obstruct the flow of blood to the penis, creating erectile issues. Put down the cigarette, if only for your penis.

    5) See the doctor.In addition to making changes to your diet and exercise routine, make sure to get to the doctor for your annual check-up and do a testicular cancer check on yourself once a month to keep your boys healthy. Quick guide: Take a warm bath or shower and gently examine each reproductive organ with your fingers by placing your index and middle fingers underneath and your thumb directly on top of one of your testicles. Gently roll the testicles around in your fingers, feeling for any irregular sized bumps or lumps within the sack.If you feel anything irregular, seek medical treatment.

    For every day care of the penis, after correctly washing the genital area, dry and moisturize your skin with a product made specifically for male tissue, like a penis health crème(health professionals recommend Man 1 Man Oil, which has been clinically proven safe and mild for skin). This particular health crème is a super weapon, containing vitamins and nutrients essential to the wellbeing of private area skin, like vitamin C, for collagen production, and Shea butter, which hydrates the skin leaving the area soft and smooth. Keep the penis skin clean, dry, and hydrated for optimal health.

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    Source by John Dugan

    Views: 0