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

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

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

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

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

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

Contingent payouts could be structured in a variety of methods:

Earn-Out:

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

Escrow:

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

Seller-Financing:

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

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

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

Customer Contracts:

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

Barriers to Entry or Exit:

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

Providing a Variety of Products and/or Services:

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

Economies of Scale or Synergies:

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

Summary

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

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Source by Michael Fekkes

Views: 0
July 25, 2022
4 Little Known Secrets to Becoming a Profitable Affiliate Marketer

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

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

WHAT REALLY IS AFFILIATE MARKETING?

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

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

HOW DOES AFFILIATE MARKETING WORK

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

Decide on the niche products to focus on.

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

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

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

4 MAJOR WINNING STRATEGIES TO INCREASE YOUR PROFITS ONLINE

Focus on a single niche at a time

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

Select traffic sources

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

Test marketing strategy to use

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

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

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

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

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

Select the traffic type

The traffic type can either be free or paid traffic.

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

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

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

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Source by Christopher Ugo Oseh

Views: 0

July 25, 2022
How Online Entrepreneurs Can Make Money Online With a Website

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Starting an online business can be freeing if the entrepreneur knows what they are doing. But what does a new entrepreneur do if they are not experience in online business? The key to an online business is to leverage how to make money online with a website.

The online business website is the heart of any Internet-based business and all detailed pertaining to the website need to be handled with care. Therefore, online business owners should take special care to create a website in a profitable market (also known as a niche), market the website properly using traffic generating techniques and have calls for action so that consumers will follow through with purchases.

Read on for a break down of the previous steps for more detail.

Selling products using your website

Online entrepreneurs have millions of online products that can be marketed that will translate into paid commissions. Companies like Amazon, Wal-Mart and Target use affiliate marketers to help promote their products and drive Internet traffic to their web pages. It is common for online entrepreneurs to earn commissions If a purchase is made, because a consumer clicked through to the Amazon page through the entrepreneurs marketing web page.

Decide on a market or niche

Now it is time to decide what type of products the online entrepreneur would like to market in. The online marketer will decide what specific market they are going to operate in. For this article, let’s say the online entrepreneur chooses helping coaches find the right baseball gear for their teams. Many of the major retails deal in baseball gear and have affiliate marketing programs that online entrepreneurs can take advantage of.

Create a website

At this point the online entrepreneur will create a website that will be used to market various baseball products through affiliate links to the retailers’ home site. The website should be clean and be in a layout that is suited for the consumer to find information easily.

Drive traffic to the website

Here is where the online entrepreneur would need to decide. Should organic traffic techniques be utilized through SEO optimization? Or should traffic be sent to the marketing website using pay-per-click technique. The pay-per-click would be the fastest way to get traffic to the website. The problem with pay=per-click is that sending traffic to the website can be expensive. Most online entrepreneurs choose the route of getting free traffic using SEO Optimization. Building traffic through SEO takes time.

Convert traffic to purchases

Now that the online entrepreneur has traffic, it is time to convert that traffic in to purchases. This is where the vendor weblinks come into play. The goal is to tweak your SEO Optimization so that most visitors are wanting to buy. Work on the SEO content to get your purchase-to-traffic conversion rate to 20%. That is the low end of what a conversion rate should be for a niche webpage. Try to get higher if possible.

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Source by Douglas Quinn

Views: 0

July 25, 2022
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

July 25, 2022
ChatBot Marketing With Aritificial Intelligence

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ChatBot Digital Marketing which makes use of Artificial Intelligence technologies can be used a key component in any company’s marketing strategy in terms of guiding customers through a marketing sales funnel. The marketing funnel that would be programmed into the AI ChatBot would be defined in relation to the products and services being offered into the market place from the company in question. Implementation of the particular social media digital marketing strategy may well be devised by a full service digital marketing agency.

When it comes to effective digital marketing strategy development and subsequent execution that requires marketing research, strategy formulation, content planning, linking strategy and the publication of the content in question. In addition to the above, careful posting on relevant content portals and blogs in necessary in order to expand the digital marketing footprint of the company as well as developing the equity of the brand.

The point being made is that publishing content on its own is not enough; there has to be a key focus on that of promoting the company and that of building the business’s brand. If the company chooses to take care of the content marketing in house as opposed to making use of a digital marketing agency then all of the necessary software and keyword analysis tools will need to be purchased and subscribed to in order to be able to determine the correct direction that needs to be taken for maximum social media marketing effectiveness.

So bearing in mind that the content itself is not the main issue per se, we can turn our attention to the strategic use of how companies are using chatbots for marketing – the content will be created and published strategically on portals, blogs, websites and via social media channels then in turn users make their way to the company website where they interact with the artificial intelligence chatbots in order to implement the business’ digital marketing strategies.

From the various social media marketing channels that may be used to publish related company content; along with the [say] the company blog and other authority blogs. Remembering that there will be associated links within each piece of content – in turn users are directed to the company website which will lead to the strategic AI chatbot with all of the associated calls to action coming into play.

The activation of the AI ChatBot and interaction with the customer and associated data that will be collected will in turn provide valuable marketing intelligence for the company in question. This could be in the form of questions asked by the ChatBot which carefully guides prospects through a defined marketing or customer support process.

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Source by Stephen C Campbell

Views: 0

July 25, 2022
ACN Multi Level Marketing Business: An Inside Look

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If you are thinking about beginning your personal ACN Multi Level Marketing business then take a few minutes to read this article as you are going to find it valuable.

Starting your own home business could possibly be just what you and your family need to finally take control of your time and finances. But if done incorrectly it could also be a full waste time, energy and cash.

So what exactly are those things that tends to make such a difference? What do you need to know to guarantee you may make a considerable income using the ACN multilevel marketing model. Let's take a closer look.

An Evaluation of the Company

The ACN business model is not totally distinct from other network marketing systems. The company delivers a wide range of well-liked consumable products that the majority of ordinary people use each day.

All you have to do earn commissions is promote these products to people you know and others you identify as wanting or are in need of them. To build a strong business you will want to go on and recruit a team of other people from whose sales you will also earn commissions.

As a company the ACN multi level marketing business is doing very nicely. ACN (American Communication Network) sells internet services, telecommunications services, wireless, and utilities. It is also rated in the list of the top 20 direct marketing companies in the United states by the Direct Promoting Association.

ACN was founded in 1992 by Robert Stevanovski, Greg Provenzano and two twin brothers Mike and Tony Cupisz. The network marketing side of the business was officially launched in 1993 with 20 founding front line distributors. It has because grown to serve 23 countries ranging from North America, Europe, Asia along with the Pacific.

This doesn't necessarily mean that this business opportunity is appropriate for you.

The Business Plan Revealed

Even if you only realize the basic fundamentals of business you understand that in order to get a business to make money, they should sell products. In order for an independent distributor to earn income and make a living you will have to do exactly the same – sell products.

Have you thought about how you will go about promoting ACN's particularly specialized menu of services? Keep in mind, in order to create an excellent living you are going to need to sell a lot of them!

Behind each and every network marketing opportunity is the promise of earning a long-term residual income by creating a sizable team of distributors. From this team you, will earn a little commission off of their time and work.

The concept is that each team member will do a bit of work which will altogether add up as a large volume of sales. This sounds excellent in theory, nevertheless, does this realistically happen?

Promoting your Opportunity

Most people who get involved in MLM do not make their initial investment back. The reason for this is not because the business, services or compensation plans are flawed.

The main reason is not obtaining the sales or marketing training to effectively promote and convert to sales. This lack of training can hold you back because simply put MLM (multi level marketing) is really a direct marketing business.

To combat this problem once you join MLM companies advise you to make a list of all the people you know – family, friends, co-workers, associates, colleagues, etc. You will then need to contact the people on your list to introduce the products, services and business opportunity.

This tends to make sense. But what happens once you run out of the people on your list? Now what?

Learning the best way to market properly and effectively may be the crucial to creating a lucrative ACN multi level marketing business. When burn through your list of family friends and colleagues you need to have a plan in place to consistently obtain new people to introduce your business to.

Not planning to do this can cause failure in your business and shattering your dreams. Fail to plan and you plan to fail.

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Source by Merv Stevens

Views: 0

July 25, 2022
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

Views: 0

July 24, 2022
Starting a Woodworking Business With Little or No Related Experience Will Require a Proven Plan

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If you have little or no woodworking experience it is possible to start a profitable business in this trade. There are guides available on the internet that will give you step-by-step instructions on how to start-up such a business.

To start your woodworking business you will need a materials list that help you access wood and tools from local sources. These materials and tools will have to be affordable and of good quality. Having a resource to guide you with this challenge will help you save time and money. Materials that you will need, do not have to be from the local hardware store. Some of these materials can be found at a garage sale. I know a person who found a pile of two-by-fours that a home owner left on his curb. This wood was pine. He made this pile of discarded pine into a picnic table and sold it for $250.

There are a number of steps to consider when starting a woodworking business. The key to starting such a business requires a proven plan. You need to know what types of products to build and will give you consistent sales. The types of woodworking project you get involved in will be determined by the area you live in. Oe course knowing what your potential customers needs are will go along way with regards to making sales.

How to build these woodworking projects, in a timely and cost-effective way, will while require that you master certain woodworking skills. Of course you will need to learn which types of tools to purchase that will make constructing these various woodworking project in the most efficient manner

This knowledge of how to use these various tools can be found on the internet. These various tools need to be used with safety in mind, Various tools you will to learn how to use complete you woodworking projects can cause serious hard to your body if used in a safe manner. A proven woodworking resource will teach how to use these tools in a safe manner

These tools will be critical in completing these various projects in a timely and cost-effective manner. Such tools will include a circular saw, chisel, hammer, drill, various drill bits, impact driver and even a miter saw. Of course you will need a place to work such a backyard shed.

Of course you will have to consider what types of wood you will be using to construct your woodworking project. Certain types of wood are more to certain projects than others. Good woodworking plan will help you to make the best choices with regards to this.

Whatever woodworking project you decide to start your business with, will require some planning. Having a proven woodworking plan to start this endeavour would be a good step.

Best Regards

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Source by Paul Luciw

Views: 0

July 24, 2022
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

July 24, 2022
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

July 24, 2022