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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
Learn How to Cultivate Self-Discipline As a Success Mindset

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Do you understand the connection between what you think and the success you experience, or do not experience, in your job or career? If you could learn to discipline your thoughts towards an attitude of success, do you believe it is possible you could in turn become successful?

There is a well-known phrase that talks about the importance of working smarter and while there are many interpretations of what it can mean, overall it is meant to emphasize the benefits of being focused, disciplined, and working hard. Hard work is the backbone of any career but over time, and when routine work habits are established and set in, the effort that a person exerts may become conditionally based. It could be due to a person’s perception of a “bad” boss, poor working conditions, not receiving a pay increase or recognition for their effort, and the list continues. While there may certainly be merit to these feelings, it serves no real purpose to make working hard a conditional characteristic of your job performance.

If you care about your career development then working hard needs to be a top priority every day. However, hard work may seem unjustified if a person’s expectations are not being met and that is where self-discipline comes into play. It is a matter of always being in control of your performance and responsible for the quality of your work. It also involves making a commitment to yourself and your career, one that is not dependent upon circumstances or influenced by circumstance no matter how challenging it may seem at the time. This will allow you to become disciplined and know that your best performance depends upon consistent effort, which establishes a mindset of career success.

Why Self-Discipline Matters

The development of a disciplined mindset allows you and your job performance to shine; whereas, the lack of intentional discipline sets you up for failure. Self-discipline is based upon a logical and rational perspective, is focused on being in control, and prompts the use of productive work habits. It is proactive with regards to job duties and career development, and it requires concentrated effort rather than striving to achieve absolute perfection.

Without self-discipline a person is more likely to be impulsive and unfocused, act based upon emotional responses, and be reactive to circumstances. It is easy to begin to work on becoming self-disciplined, whether or not it is a habit now, if you start by establishing an intention and make it a goal to perform your best at all times. It does not require prolonged struggle, only career goals. You can make choices based upon what is best for your job and/or career. Self-discipline involves maintaining control over your attitude, mindset, emotions, and thoughts at all times.

Discipline and Doing Your Best

Your job has a specific description, or at least an expectation of what it is you are supposed to accomplish. Over time, and as you become familiar with the daily tasks, you can determine what the minimum amount of effort is needed to complete the required duties and that may be enough for you to feel good when the workday ends. Then there are circumstances that influence the amount of effort you put in. There may be too much work, an upcoming deadline, or person in authority who is pressuring you to take on more work. You may willingly or grudgingly do more as requested; however, when you stop to consider this job do you realize it is your career at stake?

The attitude you develop about your job will also influence the attitude you have about your career development and progress. If your job performance involves putting in the minimal effort it is usually accompanied by feelings of job dissatisfaction and that may create a negative mindset about your career. It means you view your effort from the perspective of what you get from the job rather than what you can gain from it in the long term. When you are disciplined you maintain behaviors and an attitude that bolsters your daily productivity, which also provides you with the confidence needed to excel even when circumstances are less than perfect.

Learn to Develop Purposeful Intent

How do you feel good about a job and maintain that attitude, even when circumstances cause you to dislike it? You cannot force yourself to feel positive emotions when there are events or people who prompt negativity or feelings of frustration. What you can do is to change your perspective and that is where self-discipline matters. You can decide that you are going to feel good about yourself as a professional or as an employee despite the current conditions and anchor it to a position statement that is focused on your career goals. This allows you to create a disciplined mindset with purposeful intent and focus.

Your career is a series of steps and progress will occur over time and for some it will be accomplished through more than one position or job. At the heart of this is you as a person, and it is you who has an ability to learn and grow. With purposeful intent you can view each job as a stepping stone, which provides skills, knowledge, and direction. If one job does not meet your expectations or provides difficult conditions to work in, itemize what you have gained from it, list this information on your resume, and decide upon your next step. But no matter what, always make certain you have a disciplined focus or you will venture off course in your job and career plans.

Consider How an Employer Views Your Disposition

Consider for a moment that you are a hiring manager. What is the type of candidate you would consider hiring, if you were looking at more than the job description? Is it someone whose tone displays obvious frustration and does not seem to have much to say that is positive about their current employer or existing job? That is not a likely candidate for an employer based upon their attitude alone.

Now consider a candidate who comes along and has a professional presence, demonstrates a clear understanding of their career path or goals, and can articulate what they have gained from each of the jobs they’ve held throughout their career. That is a candidate who will likely gain your interest, even if they are not considered for the position, because they have demonstrated a disciplined mindset.

The point of reviewing these scenarios is to show the contrast between someone who possesses an underlying feeling of career helplessness or career control, which also demonstrates the difference between a disciplined and undisciplined mindset. If would like to be the candidate who is likely to get hired, establish a goal to be highly disciplined and productive.

Your disposition will carry over into the tone you convey when you speak with potential employers, along with your overall attitude about career development. As a professional resume writer I can spot a person’s disposition through their choice of words and how they describe their jobs when I talk to them. Someone who is disciplined and views all jobs as a learning experience has self-confidence about who they are and the talents they possess, regardless of job conditions or circumstances.

How to Develop Self-Discipline and Focus

Career Planning: You can begin to develop a hard-working, self-disciplined mindset right now by first examining your career plans. If you cannot articulate the specifics of your career, now is the time to get started. At the very least, decide upon a short-term and a long-term career goal. This will give you a sense of direction, one that can help you find what can be learned instead of focusing on existing working conditions.

The purpose of developing a career plan is to provide you with an ability to create purposeful intent. When you walk into the workplace each day you can remind yourself you are able to learn from any situation, even if what you learn is that you are no longer growing or moving forward in your career.

Learning and Growth: An important component of a disciplined mindset is maximizing your learning and growth potential. If you have developed a productive working relationship with your supervisor or manager, ask them if there is more that you can do. For example, perhaps you can take on an extra project that is based upon a departmental or business need. To some people this may seem to be counter-intuitive and an attempt to become the “teacher’s pet” – or some other type of negative phrasing.

If you are asking from a perspective of having a genuine interest and seeking professional development, and the need is recognized, this will create a feeling of accomplishment within you. As you continue to work hard you may even extend the timeline that you work for this particular employer. You will also likely be viewed as valuable employee, although the ability to remain disciplined will matter most in the long term for your career.

Self-Discipline as a Success Mindset

Becoming disciplined can have a variety of descriptions, including working hard, attaining maximum productivity, or maintaining a focus on what must be accomplished every day. The most meaningful correlation between a focused mindset and effort is the development of peak performance. This working definition speaks to the heart of what working to the very best of your abilities should mean. It is striving to maximize your performance with your current skills and abilities while being open to learning and development, and putting in more than the minimum effort required.

There are going to be times when you aren’t at the top of your game and that is certainly understandable. There will be some days that you find yourself working to the very best of your abilities and other days that find you putting in the best effort possible. The importance of being disciplined means that you do not allow job conditions be the reason why you are not functioning at peak productivity; whether there are new policies to adapt to, additional demands made of your job, or other circumstances.

You can always be in control of your actions and strive for peak performance as a matter of your career development. Learn to develop self-discipline as a mindset and attitude about how you work every day and watch your career continue to evolve as this sense of self is reflected in the outcomes you experience, both personally and professionally. The most effective way to be in control of your career and establish a pattern of success is to control how you think and how you work. Self-discipline is a productive state of mind and focused attitude that you can implement starting now. When your attitude is honed on performing your best, you will find yourself mentally resistant to adverse conditions and ready for new career opportunities. You are mentally disciplined and both you and your career are transformed.

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Source by Dr. Bruce A. Johnson

Views: 0

July 24, 2022
Don't Let Them Trick You, An Eczema Cure Doesn't Exist – However Eczema Treatment Solutions Do

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Introduction

Despite the numerous claims, a permanent eczema cure doesn't exist. To understand why this is the case, we need to understand what eczema really is, what the causes are and why you have the condition.

However the symptoms of eczema can be treated.

What is Eczema?

Derived from the Greek word meaning "to boil over", eczema is used to describe the inflamed skin which is red in appearance and can be extremely itchy.

The Two Main Types

Atopic – triggered by an external factor / allergen and can have a genetic basis (someone in the family will often also have eczema) ;.

Contact Dermatitis – this occurs as a result of skin contact with irritating substances

Why Do I Have Eczema

To understand this we first need to understand our skin.

The Skin

The largest organ of the body, its functions include:

Regulating heat

Providing sensation – example warn against dangers such as temperature

Play a role in the metabolic process

Hence the skin is really important in maintaining the internal balance of the body. So when the body suffers a shock (reaction), the effects so often enough manifest themselves in the skin. These include producing high levels of hormones and inflammatory toxins, which can then affect production of natural oils which help keep the skin moisturized and also disturb the skins natural heat control system. As the skin becomes inflamed, it gets drier, the itchiness starts, the urge to scratch grows all of which can lead to skin damage and " Eczema".

Causes of Eczema

The exact causes are yet to be fully understood, however it is believed for the most common type of, an oversensitive immune is thought to be the main cause. Whilst you don't inherit Eczema itself, the chances are that if you suffer from the condition, you have inherited a gene which results in the release of antibodies when you can come into contact with normally harmless substances such as certain types of foods, pollen , house dust mites etc. These triggers vary from one person to another. With people who have atopic eczema, due to their over sensitive immune system, the body releases extra amounts of immuglobin E, the temperature of the skin is then affected, as its ability to produce natural oils which help keep the skin moisturized and prevent the loss of moisture. The result is the skin becoming red and inflamed, swollen, itchy and all the other symptoms we associate with Eczema are started.

Does A Cure Exist

As mentioned above, as an inherited gene is the most likely reason why you have the condition, as with many genetically inherited conditions the answer is no.

Will I Have Eczema All My Life

Whilst a permanent cure doesn't exist, the symptoms can be treated and if carefully managed there is no reason why you can't be eczema free. This eczema treatment approach, is what I have adopted both for myself and my three children and thankfully all of us remain eczema free.

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Source by Jasmine Khan

Views: 0

July 24, 2022
What Is Relationship Coaching Really Like?

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People often wonder what Relationship Coaching is really like? Because each person has different issues and goals for coaching, it will be different depending on the individual. In general, you can expect to discuss with your Relationship Coach such things as the current events happening in your life, your personal history relevant to your issue, and report progress (or any new insights gained) from the previous session. Depending on your specific needs, coaching can be short-term, for a specific issue, or longer-term, to deal with more difficult patterns or your desire for more personal development. Either way, it is most common to schedule regular sessions with your coach (usually weekly).

TAKE AN ACTIVE PART IN YOUR RELATIONSHIP COACHING FOR THE BEST RESULTS

It is important to understand that you will get more results from coaching if you actively participate in the process. The ultimate purpose of coaching is to help you bring what you learn in session back into your life. Therefore, beyond the work you do in coaching sessions, your coach may suggest some things you can do outside of sessions to support your process – such as reading a pertinent book, journaling on specific topics, noting particular behaviors or taking action on your goals. People seeking coaching are ready to make positive changes in their lives, are open to new perspectives and take responsibility for their lives.

WHAT ABOUT MEDICATION VS. RELATIONSHIP COACHING?

It is well established that the long-term solution to mental and emotional problems and the pain they cause cannot be solved solely by medication. Instead of just treating the symptom, coaching addresses the cause of our distress and the behavior patterns that curb our progress. You can best achieve sustainable growth and a greater sense of well-being with an integrative approach to wellness. Working with your medical doctor you can determine what’s best for you, and in some cases a combination of medication and coaching is the right course of action.

DOES WHAT WE TALK ABOUT IN SESSION REMAIN CONFIDENTIAL?

Confidentiality is one of the most important components between a client and coach. Successful Relationship Coaching requires a high degree of trust with highly sensitive subject matter that is usually not discussed anywhere but the coach’s office. Every coach should provide a written copy of their confidential disclosure agreement, and you can expect that what you discuss in session will not be shared with anyone. Sometimes, however, you may want your coach to share information or give an update to someone on your healthcare team (your Physician, Naturopath, Attorney), but your Relationship Coach will never release this information without obtaining your written permission.

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Source by Roxanna Teeling

Views: 0

July 22, 2022
4 Daily Habits Of the Most Successful Entrepreneurs

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Entrepreneurship is hard. It needs unswerving discipline, and confidence in yourself and your business. Lots of people lack the opportunity to enjoy it. But for the few who are determined and ready to put in the hard work, entrepreneurship is the most fulfilling job, identity and lifestyle in the world.

Let’s look at 4 daily habits of successful entrepreneurs.

1. They stick to a routine

A day has 24 hours only and as an entrepreneur, time is the most valuable thing in the world. To get the maximum potential out of every day, successful entrepreneurs follow a strict schedule.

For instance, Elon Musk, the founder and CEO of SpaceX and Tesla, schedules his whole day in five-minute blocks and he breaks up his week, where on Mondays and Thursdays he focuses on SpaceX and on Tuesdays and Wednesdays he pays attention to Tesla. He splits Fridays between both companies.

2. They read a lot

Most successful entrepreneurs make learning a regular daily habit. For instance, Bill Gates, Microsoft co-founder, reads 50 books a year. As an entrepreneur, you need to learn as the world is continually changing, and the most impactful entrepreneurs create their profiles by improving their knowledge.

If your background is in design and strategy, as an entrepreneur you must have engineering and computer science knowledge to contribute meaningfully to your ventures. Examine your future goals and establish what skills and capabilities may hinder you, then start learning today to be ready for those roadblocks. For engineers and designers, that obstacle may be management, finance or project planning. Yours may surprise you!

3. They exercise daily

Yes, exercise keeps your body fit and the mind sharp, and it has a great impact on an entrepreneur’s long-term achievement. The reason is that it relieves stress and helps maintain a healthy work-life balance. Many successful entrepreneurs attribute their success to exercising and keeping fit. Richard Branson, the founder of Virgin Group, increases his productivity with daily exercise.

Don’t make excuses! Fitness and mental calmness are essential for a happy lifestyle. They’re the building blocks to your productivity for days, weeks and months. Find a sport, activity, or practice suitable for you and make it habitual by being responsible.

4. They stay positive

As an entrepreneur, you’ll face many challenges, but what makes you succeed is a positive and creative mindset. Every day. Being able to see things from a positive dimension means you can see interesting and unique opportunities others can’t see.

If you can’t remain positive, it’s time for a change. For instance, Steve Jobs started his mornings by repeating a simple mantra: “If today was the last day of my life, would I want to do what I’m about to do today?” If he answered this question with a “No,” then he knew it was time to make a change.

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Source by Jon Allo

Views: 0

July 20, 2022
How to Organize Your Medicine Cabinet

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Just like your own closet, medicine cabinets can be quite a mess sometimes, especially if you have lots of medicines stored.

These days, with the pharmaceutical industry booming, you can find a wide variety of medicines sold for different health conditions. Companies competing against one another while consumers are on the go for searching the best medicine brand to buy other there for their health problem.

You may be one of those people out there who is facing a dilemma when it comes to organizing medicines properly in the medicine cabinet. At times, when you have lots of medicines already stored, it becomes harder to find the medicine you are looking for when necessary. This could be due to a lot of different factors, such as inappropriate labeling, expired medicines piled up, and so on and so forth.

Yet despite of that, there are still ways to make your medicine cabinet organize and neat again. There is no need to spend money or hire someone to do it for you. It is very easy and you can do it in an instant. The following are some of the tips you can consider to organize your medicine cabinet well:

Color Code

Why not apply color coding method when handling your medicines? If there’s a lot in the family who is taking medicines, then try to classify each one of them according to color. You may want brands to be grouped separately or put a color on each medicine to separate them according to date and time of administration. It totally depends on you. You are the best person who knows how to color code your medicines best.

Medicine containers

A medicine cabinet can become so messy at times, especially if all the medicines aren’t placed well in separate containers.

You may want to organize your medicines according to their form by placing them in different containers. For example, all tablets will be placed in a different container and same goes with liquid medicines.

This way, it would be easier to find and pull out a medicine you need at the moment because you already know where you placed it.

These days, you can find various types of medicine containers available for sale. You can buy them in the department store or at your local drug store. You can do a DIY too if you like.

Label each container

Even though you place all your medicines in separate containers, it would still be hard to search for each if they are not labeled properly.

Don’t forget to label each container according to the categories you have made. Label each container correctly and clearly.

Labeling containers does not have to be hard and complicated. Just cut a small piece of paper, just appropriate to the size of the container, and then stick it on the front, then mark it with a pen. You can even be as creative as you would like and put some colors, stickers, and some cute decorations on the container or label to add more beauty to the space.

Clean your medicine cabinet

Make sure to clean your medicine cabinet every so often. You need to constantly check for expired or damaged medicines and throw them away right away. Of course, you also need to dispose each expired medicine properly according to the disposal instruction written on the label.

By cleaning your medicine cabinet, you need to wipe out dirt and dust. This will ensure that all your medicines remain to be in good condition.

Honestly, cleaning your medicine cabinet every so often would pose more benefits because doing so will prevent your cabinet from smelling bad, especially with expired medicines that not thrown away. Aside from that, this will keep the potency of your usable medicines.

Have enough space

While it is important to make use of the storage spaces available in your medicine cabinet, occupying the entire space without enough room for your hands to move inside would really be bothersome.

Make your medicine cabinet tidy and well organized by not stocking too many items inside, especially those that do not belong to this type of storage space. Even the way you place the containers should be taken into consideration so that they will not all look jumbled up.

If you think organizing your medicine cabinet is hard, you need to think again. Follow these simple tips and you would surely not regret it.

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Source by George Patt

Views: 0

July 20, 2022
The Benefits Of Multi-Level Marketing

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The best MLM companies are those who embrace the many benefits that multi-level marketing has to offer. Read on to learn more about the advantages that MLM marketing can provide and how MLM leads can change your financial prognosis.

1. Limited Risk Factor

When we start traditional businesses, we are confronted with the possibility of losing money almost immediately. There are a number of expenses to consider and we are not always prepared to deal with them. As a result, people tend to avoid starting their own business and are scared to become entrepreneurs. Startup costs tend to serve as a strong deterrent in these instances.

But with the best MLM companies, you are able to get started for just a few hundred dollars. MLM leads are also generated with relative ease, since MLM companies focus on selling products that are used by their prospective clients already. If you take the time to compare the level of financial investment involved in an MLM marketing plan with the investment needed to start a traditional business, you will find that the risk factor is significantly decreased.

2. Passive Income

MLM marketing offers people the opportunity to stop trading their time for money and allows them to begin earning a passive/residual income almost immediately. When you pay your Internet, cable, electric, gas or water bill each month, those companies are all able to enjoy a steady stream of passive income, without ever having to punch a clock. Thanks to MLM companies and MLM leads, you can also partake in this lifestyle.

All you need to do is put in the initial effort to draw in the customers and the rest will simply take care of itself. A lot of us are too used to the level of certainty that is derived from trading a predetermined amount of time for a predetermined amount of money and we avoid the lure of MLM marketing as a result. But selling products for the best MLM companies allows us to snatch a far greater piece of the income pie.

3. Low Overhead

If you decide to start a traditional business, your overhead costs can be cumbersome. There are employees to pay, space to rent and inventory costs to be considered. With MLM marketing, you can harness the awesome power of the Internet to keep your costs low and ensure that you remain within your budget.

MLM companies tend to get a bad rap, because people falsely believe that they will have to purchase a large amount of inventory during the early stages and recruit people to sell it on their behalf. Thanks to the Internet, this perception is no longer reality. When you do not have to keep up with a high monthly overhead, it is much easier to adapt to changing business climates.

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Source by Roby Mason

Views: 0

July 20, 2022
Make Time to Heal

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The course of life can lead to many roads. As a child we don’t have much say about anything. As a young adult we can begin to make choices; some lead to pleasure, while others lead to pain. We may not realize that some of those choices determine the direction of much of our adult lives.

If we grew up in a dysfunctional home we may repeat some of the same mistakes that caused us pain while growing up. When we make similar mistakes that our parents made they can lead to a cyclical pattern of emotional pain. If you were abused, neglected or abandoned you suffered some degree of emotional trauma. Recognizing emotional deficiencies is the first step.

Not everyone processes emotional pain the same

Getting help for emotional issues requires humility and courage. The fact that emotional pain isn’t outwardly visible; often results in denial; which leads to not pursuing any form of help. Not everyone processes emotional pain the same.

Imagine – two people lose their job. One person goes home and is sad, yet not over taken by emotions. The other person is also terminated; he leaves the work-site and returns in a fit of rage. Why? No one can pinpoint all of the reasons two persons experience identical circumstances yet respond differently.

Whenever someone experiences unexpected tragedy in life: there is a process or method that intuitively begins to take place. The Kubler-Ross model states there are 5 stages to grief and loss. They are denial, anger, bargaining, depression and acceptance. Each person is unique therefore there is no specific order or amount of time that dictates how brief or lengthy this process takes. The Kubler-Ross model identifies the emotional occurrences that one might experience due to sudden loss or grief.

Inner healing takes time

Inner healing takes time. Whenever an individual is stuck and seems unable to move past any specific emotion professional help may be the best out. All too often hurting people don’t identify themselves as needing help until things have gotten way out of hand.

Self-Love is a good starting point for healing. Love and forgiveness are equally important for emotional well-being. Struggles can build character if we process our emotions in a healthy way. Feeling alone, forgotten and misunderstood is common to man: being stuck in these emotions isn’t. It takes strength, courage, perseverance and support to overcome tragedy. Not everyone will overcome; some will remain stuck in grief. No matter what we say or do for them some will not move forward. It’s at this point that we should maintain a loving heart towards them; and set boundaries when necessary.

God will often use people to help other people navigate through difficult times. Those that overcome obstacles in their personal lives can be strength to those who are struggling

Your past is your reality, not your destiny

If you have been unable to move forward from grief after an extended amount of time, don’t blame yourself. If you have unresolved emotional pain, grief, or bitterness don’t lose hope. I’d like to encourage you to make it a point to seek professional and spiritual help to heal. Don’t settle for pain being your lot in life. Instead take courage; press past your wounds until you experience wholeness. Make peace with your pain. Your past is your reality, not your destiny.

God wants to heal you and restore peace to your life. There are many dedicated professionals such as; social workers, psychologist, psychiatrist and therapist who are available to help you.

In addition there are qualified pastors and ministers who can help guide you to inner peace. Finding the right help might not be as hard as you imagine. Getting started is the first step. Make getting help a priority and be consistent. Recognize when it’s time to stop dealing with your troubles on your own. If your efforts have failed to yield notable results it’s time to reach out for help. If you’ve gotten results that only provide temporary relief this indicates the need for a new method. Get professional help.

Don’t let excuses keep you from becoming emotionally sound. Be humble; bold and courageous by taking the necessary steps to acquire victory. Be willing to do the work to get results.

There are many reasons you shouldn’t give up on being restored. Do it for yourself, and those who love you. Expect healing to take place. Expect relief to come and grief to be gone. You are worth the fight. Everything in your life won’t be summoned up in a day; reach for healing anyway. It takes time to heal; Healing is a process.

Give your pain over to God; He is able to take on the caresof the world without being overburdened.

Instead of suppressing old emotional wounds, confront them, make peace with them, and then let them go. Turn your pain over to God; He is able to take on the care-of the whole world without being overburdened.

Make a decision to be the best you, that you’ve ever been; starting right now! Get a grip on yourself so you can take charge of your future. Step out of your place of barely getting by. Put away all the things you’ve used to self-medicate. Trust someone to help you move past your pain. Healing is available!

Come out of your place of hiding; there is no healing there! There is no resolution in a private box! Mankind was not created to become an island. People were created to relate to other humans. Help is waiting, Are you ready? Your healing is waiting for you!

Give all your worries and cares to God, for he cares about you.

1Peter 5:7 NLT

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Source by Elaine P Jones

Views: 0

July 19, 2022
Why Would A Doctor Need To Re-Break Your Bone?

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If you hear your doctor say that he needs to re-break your bones, what would you feel? You may feel confused and scared because in most cases, bones need to be treated and not broken by a physician. However, you did not hear the doctor incorrectly. He is in fact telling you that he needs to break your bones so that he can proceed with the treatment. If you want to know why it has to be done, then you are on the right page! This article will tell you just why this procedure is needed.

Here’s the thing. The term used is “re-break.” This means that the doctor is going to break again a bone that has previously been broken before. In a more technical term, this is referred to as fracture reduction or resetting. It is the procedure that aims to restore and align correctly the broken bones.

The first and main reason why re-breaking is necessary is that the bones heal incorrectly sometimes. When your bones break, they become deformed. When they heal by themselves, they are still deformed and this condition may have some problems. First, bone deformity can affect how you move. You may not be able to move as freely as before if some of your bones are not aligned correctly. Second, bone deformity is not visually pleasing. It does not look good therefore a lot of people undergo resetting of the bones.

There are two types reduction method. The first method is the open reduction. This usually does not involve re-breaking because the fracture is still fresh. This is a condition wherein the broken bones cut the skin and are exposed. It could also mean that the surgeon exposed the bone to better dissect the tissues affected by the fracture. The second type is the closed reduction. In this procedure, the bones are not exposed in the air. The skin may be cut but the bones remain hidden beneath.

After the re-breaking of your bone, your doctor will proceed to aligning the bones so that when they heal, they will heal in the right manner and position. Painkillers and sedatives will be given in order for you not to feel the pain so much. After the whole procedure, your doctor may either use implants or casts. For bone fractures that are quite severe, implants may be necessary to add internally to hold the bones together. However, if the bones were just slightly fractured and can heal by themselves effectively, casts and tractions are enough.

Always listen to your doctor about what is best for your condition. They know exactly what you need. Do not be afraid to ask questions if you have worries about the procedure. For more information about healthy bones, consult your doctor, osteopath or physiotherapist.

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Source by Karen Wentworth

Views: 0

July 19, 2022
The Difference Between a Trait and a Habit

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A “Habit” is a usual way of behaving. It is the starting point for all behaviors. All Traits, at conception, are habits. Habits are usually born out of necessity (we have to obtain a goal), or a desire (We wish to obtain a goal).

Most of the times, negative traits come as a result of necessity, not desire. Sometimes, however, using a negative trait when approaching a desire itself becomes a negative trait.

As we grow up, we encounter situations and circumstances that are new to us. Since we have no point of reference (information we gathered from past experience which helps us deal with these events), we are left with two basic choices.

Choice A- We seek advice.

We turn to those around us for guidance. Preferably someone who encountered a similar situation and handled it before. Our goal at this point is to try to use their point of reference in order to handle our situation. When we decide to follow that advice, if successful, their point of reference becomes ours. After a while, a habit has been created. A way in which to handle future similar situations.

The one thing you have to keep in mind when using this option is the following quote…

“Insanity, doing the same thing over and over again and expecting different results.”

Albert Einstein

When this option is chosen, remember that you are, in essence, creating a habit that will, in time, become a trait. Make sure that your definition and the other person’s definition of “success “is the same one. Your goal is to solve the situation. Not avoid it.

Choice B- We use Trial and Error method.

This method involves searching and using different ways in order to handle the situation. There is, however, correct way and an incorrect way of using this option. The correct way to remain goal oriented. In Transformational Support, this method is commonly referred to as the “Focus, Research and Action” method (FRA).

What this enables you to do is to remain encouraged, focused and determined until the situation is resolved. The goal is not only to obtain a useful point of reference but also to keep you from creating negative habits such as..

A- Covering up the issue

B-Pretending the issue will go away by itself

C-Running away from the issue

D-A combination of two or more of these.

These habits have a great potential of becoming negative habits (a usual way of behaving that results in a negative outcome). Shortly after that, they can become negative traits (A quality that separates a person from another person and usually has a negative outcome).

The specific type of habit we create (negative or Positive), will mature into a Negative or Positive Trait. Once this happens, and a trait is created, the trait has to be broken down to a habit first before replacing it with a better habit.

That being said, I must tell you that changing habits is faster and simpler than changing traits. However, most people seem to be under the impression that changing a trait is much more difficult than it actually is. Changing a habit or a trait is not easy but it is not that difficult either.

Of course, depending on the nature of the habit or the trait, the amount of time it takes to change it may vary. But not the amount of effort. In other words, what changes is your consistency (the amount of time you stay dedicate to changing a trait or habit), not how hard you work at it.

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Source by Gerardo Defendini

Views: 0

July 19, 2022