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Feel to Heal

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The healing journey is the most beautiful of journeys as it gives us an opportunity to fully transform from one unhealthy form, to a new vibrant one. Healing is a state created by oneself and it can become fully transformational to our minds, bodies, and spirits. Healing is a process of ascension to higher vibrational life force energy and the ascension process can be sped up by incorporating regular healing techniques for the mind, body, and spirit into our lifestyle.

One of the interesting concepts about healing is the concept that we must feel to heal. Most of us find a state of what we see as equilibrium through an outside mechanism. We find something that calms the nerves and it works once so we do it again, and again until it becomes an addiction. I don't see addiction in the same way as most, because I have chosen that route in the past. I don't see it with eyes of judgment but I see it with eyes of compassion and really, even congratulations that someone has found something that works to keep them surviving and functioning, even if it is at a lower level than their potential. People who are addicted to something are still here and are still coping and I honor that in my brothers and sisters. Even if we wouldn't call ourselves an addict we have all calmed our nerves with something at one point in time or another. Wine, chocolate, food, cigarettes and even exercise have been great outside tools used as calming agents.

My Reiki and coaching clients come to me because they are tired of living in survival mode and they want to feel great! They are tired of numbing themselves in order to avoid the pain. They want to feel the untainted joy that living a high vibrational life brings them. They want the magic that so many talk about.

Thankfully the mind, body, spirit journey of healing does not have to take years of therapy, but it can be done as a steady journey of feeling the old, releasing it, and making room for the new. Feeling, really feeling what is going on in our mind, body, and spirit is very empowering and can help guide us on our journey if we will make the choice to listen.

I challenge you to start feeling, so you can release what is no longer useful to you on your journey! Enjoy feeling the feels. Enjoy your healing journey!

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Source by Rhonda Kitts

Views: 0

July 28, 2022
Everything You Need to Know About Holistic Doctors
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Holistic medical doctors combine the modern scientific treatment with complementary or alternative medicine like massage, acupuncture and chiropractic. The holistic doctor looks at everything and then gives a pharmaceutical drug option as well as an alternative treatment that could include homeopathic remedy. Homeopathic treatment isn’t something many doctors and institutions embrace, but it is under the umbrella of holistic medicine.

A holistic doctor will most often encourage some diagnostic testing like hormone levels and adrenal function. This is done so as to try and find if there are any underlying causes that have led to an imbalance. The whole person is considered in the whole healing process so as to have health at its optimal by having balance.

The practitioners in this area are of the belief that a human has parts that are interdependent and when one isn’t working as it should, all the others are affected. This means that if there is any kind of imbalance regardless of the type, it affects the overall health to a great extent.

A good example is a person suffering from migraines. If they decide to visit this kind of doctor, they may not work out with only medications. The doctor will take time to look at all the possible factors that could be causing the headaches. He will also search for any other health problems that could cause the migraines including personal problems, stress, sleep habits and even diet. Treatment can involve using drugs as well as modifications to one’s lifestyle to make sure that the headaches don’t recur.

The principles

Holistic medicine also believes that unconditional support and love are very powerful healers and that a person is actually responsible for their own wellbeing and health. Other principles are:
- The patient isn’t a disease but a person
- Everyone has got innate healing powers
- Treatment should involve the fixing, of course not just dealing with the symptoms.
- There is a need for a team approach for healing to be effective and it should involve the doctor and patient and should address all the different aspects of personal life of the patient using a wide range of practices in health care.
Types of treatment

Different treatment techniques are applied to help patients to be responsible and to achieve their optimal health. The approaches depend on the training of the practitioner and they can include:
- Education regarding self-care and lifestyle changes so as to promote wellness, including spiritual counseling, relationship counseling, and psychotherapy and even exercise among many others.
- Alternative and complementary therapies including naturopathy, massage therapy, homeopathy, chiropractic care and acupuncture. And so on
- Surgical procedures and modern medicine.
Where to find a holistic doctor?

Holistic providers can include homeopathic doctors, chiropractors, Naturopathic doctors, osteopathy doctors and even medical doctors. There are different associations that can help you get in touch with such a doctor depending on where you are based. There are online lists that can help you in finding someone close to you.

Don’t settle for the first person you find. This is a profession like others, meaning there are people who do a better job than others. A recommendation from, a trusted source like someone close to you or a health organization that is credible could be a great idea.

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Source by Shalini Madhav

Views: 0
July 28, 2022
How to Overcome MLM Challenges – Multi Level Marketing Tips For Success

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There are plenty of helpful tips available to help you overcome your MLM challenges. In my opinion most of the challenges we face in MLM are avoidable but only if you start off on the right path. When I am faced with a challenge in my primary opportunity its usually around developing new techniques for marketing, lack of customers, or lack of money. As business owners in the field of MLM we are faced with difficult challenges but they aren’t unlike those that any other business owner faces. We do face different challenges because of the nature of our business but if you plan for the unexpected and have a vision for the day-to-day operations of your company you’ll be able to thrive in your business.

Every day businesses are birthed around the world within a dynamic and formidable marketplace where only the toughest survive. If you are in the network marketing industry you know that our environment is particularly fickle and can be a tough training ground for the almost 25,000 people that join Multi-level marketing business everyday in the U.S. and the 95% that fail within their first year.

Most people join network marketing companies not recognizing the importance of having a vision for how their business will grow and function in its infancy. There is concept that many large corporations use to lead their work on a daily basis and I think that it can be particularly effective for network marketers. Its called Strategic Planning. Planning is not a new concept to business corporations but it might be to those that don’t know about its extreme effectiveness for providing a roadmap for any business for periods of 6-months, to 3 years, to 20 years.

By understanding the importance of this process and the questions that go into taking you through it, you can gain a better sense of preparedness for your company’s growth. As someone new to this industry you need as much structure in the beginning as possible to understand how to plan and set and meet your goals. By taking the first step in this process you will exhibit your commitment to your business and your leadership for your organization.

You have to believe in something yourself first, before you can get others to believe.– Ashraf Seddeck, Oracle Corporation.

What does your company do?

What product or service do you provide?

What is your mission statement?

What are your company’s values?

What is your plan for your first 30 days, 6 months, 1 year?

What are your weaknesses/strengths?

How will you market your business?

Who is your competition?

What might be challenges that prevent you from reaching your goal?

What is your plan to grow your business over the next 12 months?

What is your plan for recruiting for your business?

What resources do you have to build your business?

What is your budget for your business?

What does your organization look like and what types of people are your recruiting?

What actions are you taking on a daily basis to build your business?

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Source by Inger L McDowell

Views: 0

July 28, 2022
How Does ENERGY HEALING Help You Feel Better, Relieve Pain, and Assist Humans and Animals to Heal?
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We all live in overlapping fields of energies. These fields includes your physical body, your auric field (which consists of 6 additional bodies), electromagnetic fields that emanate from your organs and other body parts, and the energies of everyone and everything around us, including the earth.

Since everything is energy, including your consciousness, you might wonder how healing can ever happen without paying attention to the energy aspects of your bodies.

What Is Energy Healing?

Energy Healing is any healing method which helps restore and maintain the energy systems of your bodies by working directly with the energy of your bodies.

The term “energy healing” is used today for what has also been called “hands-on healing”, “spiritual healing”, “psychic healing”, and even “energy medicine.”

In energy healing, a wide variety of techniques can be used. Whatever techniques are used, they directly address the energetic levels of your bodies.

While tools such as stones and crystals, acupuncture needles, pendulums, singing bowls, and others can be part of a healing session, many practitioners use only their hands and their intention to facilitate a healing.

Clean, pure, love-filled energy (life force, prana, chi, ki) is made available to the bodies, while inappropriate energies are assisted to leave the bodies.

To be healthy and in balance, your energy must be able to flow freely, smoothly, and harmoniously.

What Can Disrupt the Energy of Your Bodies

Infection, injury, toxins, stress, too much or too little of any substance are all examples of events than can disrupt your bodies’ energies.

When you’re sick, it’s because the flow of energies has been disrupted, causing some areas to be jammed up with too much energy while others areas are depleted. The disruption can come from accidents, infections, emotional traumas, and many other stressful situations.

Several things can happen during an energy healing session to restore the smooth flow of energies. Here are some common examples.
- Disorganized and chaotic energy patterns become organized and harmonious.
- Blocked energy flows are unblocked.
- Sluggish energy flows are restored to normal speed.
- Depleted energy areas are assisted to regain a normal, healthy level of energy.
- Excesses of certain types of energy are reduced to normal.
- Disconnections between the spirit and body parts are reconnected.
- Communication breakdowns between body parts are restored.
- Energy that doesn’t belong is helped to leave the body.
- Repair the physical body’s etheric blueprint (template).
- Repair, balance, and harmonize the chakras.
Some examples of energies helped to leave are:
- viruses, fungus, bacteria.
- memory patterns of old injuries.
- memory patterns of weapons from this or past lives.
- emotions that haven’t been fully expressed.
These are just a few examples of what energy healing can address.

What Do Energy Healers Do?

Energy Facilitators support the body’s natural healing abilities.

Energy Healers facilitate the healing process, which is done by the bodies themselves. An Energy Healer is more accurately described as an Energy Facilitator. They do not actually heal the body. The body must heal itself.

The body, when functioning optimally, knows how to heal itself and how to restore balance. It wants to be in balance and harmony and good health.

What Are Some Benefits of Energy Healing?

Here are some of the benefits you may experience:
- Relief from physical/emotional pain and other symptoms.
- Feeling increased relaxation and calm.
- A reduction in your stress level.
- Feeling empowered to take charge of your healing process.
- A sense that your physical body is stronger or more able to cope with life’s challenges.
- A sense of well-being, comfort, integration, and wholeness.
- Feeling more at home in your body.
- Feeling more energized and more playful.
- Feeling more balanced and more grounded.
- Improved appetite; greater control over unwanted habits.
- Increased interest in life.
- Increased immune system function.
- Faster or more complete healing from illness, injuries, or surgery.
- A feeling of greater alignment with your I Am Presence.
- An opening to receive more Divine Love.
- A sense of greater connections with the Divine or with your I Am Presence.
- A feeling of greater alignment with your spiritual path.
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Source by Nedda Wittels

Views: 0
July 27, 2022
Dangerous Driving Habits

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Many of today’s drivers have dangerous driving habits. You do not have to travel far to see people driving with risky driving techniques. Dangerous driving habits can be observed on highways, on residential streets, and in parking lots. Dangerous driving habits are not only fraught with danger to the driver performing them, but to the public as well.

Everyone eventually crosses paths with a reckless driver! Many of us survive these encounters, but some do not. Dangerous drivers kill people and destroy property everyday. As a result, Insurance companies cite dangerous drivers as one of the main reasons for the skyrocketing cost of automobile insurance.

There are drivers from all age groups that have dangerous driving habits. Younger drivers can be dangerous drivers simply because they lack experience driving in various environments, such as driving at night, or driving on interstate highways. Older drivers are sometimes dangerous because their senses and reflexes are not as sharp as they once were.

Technology has also added to dangerous driving habits. Cell phones are now more popular than ever, many drivers have cell phones. While driving in town or on the highway, it is rare not to see someone driving while talking on his or her cell phone. Another dangerous driving habit is applying makeup while driving. Applying make-up while driving is thought to be a leading cause of accidents, and is completely irresponsible. One of the most common dangerous driving habits is eating while driving. Many drivers leave the drive through lane of their favorite restaurant and immediately pull onto a road while trying to eat and drink the food they just purchased. All of those bad habits can distract a driver from paying attention to other drivers on the road and being aware of road conditions.

There are many kinds of driving habits that are considered risky. Speeding is a very common driving habit that can lead to a disaster. Drivers that speed are engaging in reckless and impulsive behavior. It is especially dangerous to speed in residential neighborhoods where children and pets may be playing. Speeding drivers can also be dangerous in neighborhoods where homeowners in their vehicles are entering and exiting their driveways.

Another category of dangerous driving habits is failing to use turn signals. Proper use of turn signals can help prevent most accidents. Failing to use turn signals properly can increase the rate of accidents with other vehicles and pedestrians. Turn signals are simple devices that can give advance notice to other drivers about your driving intentions. It is unfortunate that failing to use such a simple device can cause so many tragedies in terms of lives and property damage. Road rage is a one of the consequences of failing to use turn signals. Many drivers become enraged when they barely escape an accident due to another driver failing to use a turn signal to notify them before changing lanes or making a turn.

Many dangerous driving habits are a result of over confidence. Drivers with years of experience sometimes become dangerous drivers because they are over confident with driving their particular vehicle, or a particular route between home and work. They are not prepared when something out of the ordinary occurs.

There is an old saying, “Good habits are as hard to break as bad habits.” If you have dangerous driving habits you can change them by applying good driving skills for a few weeks, after a few weeks many of these good driving techniques will become your new habits. You should practice watching for speed limit signs, and adjust your speed if necessary. If you practice using turns signals every time you make a turn or change lanes it will quickly become a habit. Developing good, safe driving habits may one day save your life or the life of someone close to you.

(c) 2006, Marcus Barber

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Source by Marcus Barber

Views: 0

July 27, 2022
Sports Medicine

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

Minimally Invasive Rotator Cuff Surgery

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

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

ACL Repair Surgery for Knee Pain

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

Torn Meniscus Surgery for Knee Pain

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

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

Shin Splint Repair

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

Achilles Tendon Repair Surgery

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

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

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Source by Blake Nonweiler

Views: 0

July 27, 2022
Why Sales Doesn’t Have to Be a Numbers Game

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Telling stories is a great teaching tool to use in many fields, especially sales. At one of our recent workshops on pain, a participant from a technology company shared a story about an experience he had at a big-box TV store. This person went in to the store to learn more about flat screen TVs, with no intention of buying. He just wanted more information so he could make an educated decision when it came time to buy a TV, and get the best deal online, not at a store.

When our participant entered the store, he was greeted right away by a sales person, and before he knew it, the sales person was telling him all about the great features and benefits of each widescreen TV. The sales person never asked a single question about why he was visiting the store, or if he’d even been there before. The sales person was nice but never uncovered any pain. All he did was say, “Can I help you?”, and then proceeded to “spill his candy all over the lobby”, and give our participant all the ammunition he needed to go get his best deal online. The sales person never had a chance to close the deal.

Far too often, salespeople try to spill their candy in the lobby for a living. They throw information and free advice and their own time and money and resources against a wall hoping some of it will stick. “If I go to enough networking events, if I make enough new prospecting calls, if I talk about my product enough, if I ask enough people if they need this for their business, and if I make enough cold calls, then I’ll be successful.”

The numbers game is one way you can approach your career, but it requires a lot of work, and it often wastes a lot of time. On the other hand, the Sandler System is all about working smarter, not harder. Furthermore, if you combine the same tenacity and work smartly to uncover a prospect’s pain, you will become a Robo-Salesperson. Armed with new, effective questioning strategies and proven sales techniques, you will discover the prospects’ problems and deep-seated emotional needs, pains, and desires to find solutions (ones that you can provide). This will result in dramatically increasing your sales and reducing your work time and stress that goes with it.

Another participant in our Sandler Sales program sells gauges to machine shops and other companies. This guy is very meticulous and had a phone prospecting system he followed diligently, but when he left messages, very few returned his calls. Sound familiar? Well, this guy enrolled in our advanced training program and he carefully tracked all his results. Here’s what he found:

After the first year of learning the Sandler Sales System, his market of selling to machine shops experienced a 5% decline, however, his personal sales went up 28.6%. Since he worked on a straight commission, his personal income went up an equal amount. So, his income went from $93,000 up to $119,598. Our sales guy attributed this to learning how to leave an effective voicemail message, encouraging his prospects to call back, and it worked. After his second year in the Sandler course, his sales went up another 32.3% and his income increased to $158,228. Why? He became more effective at closing deals. In the first two years in the training program, he had boosted his commissions by 70%. The bottom line, none of his success would have happened without learning to uncover his prospects’ pain.

By the way, if you’re one of those people who believe “you can’t teach on old dog new tricks,” check this out. This guy wasn’t a kid. He was about 50 years old when he started learning the Sandler way, and still made those drastic improvements. I’m happy to say that 14 years later, he continues to attend and take advantage of our President’s Club classes. This sales leader is committed to being at the forefront of his industry’s selling knowledge curve and providing for his family, himself, and his own retirement.

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Source by Greg Nanigian

Views: 0

July 26, 2022
HOLISTIC Approach To Medicine

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Most people seek better health, but, often, their fear of going to the doctor, or needles, or taking certain medicines, and / or, their desire to avoid what they might consider the risks / side effects, associated with some convention treatments, become a risk to their personal health, and well – being. In the United States, our system of medical treatment is often referred to, as allopathic , which focuses on treating diseases, as opposed to preventive medicine. In many / most of the rest of the world, the emphasis is on reducing illnesses, by enhancing / improving our resistance, and / or immunity, and avoiding taking chemical medicines, initially, but only, when other approaches, aren't indicated. With that in mind, this article will attempt to briefly, consider, review, examine, and discuss, the HOLISTIC alternative / approach, using the mnemonic method.

1. Healing; homeopathy; heart / head: Holistic practitioners, often focus on healing the entire / whole person, including balancing the emotional and logical considerations, in a head / heart balance, without resorting, first, to merely treating symptoms. Most nations use homeopathic medicine, in a thorough, wellness program, as well as many other modalities.

2. Options: The focus is on taking advantage of all, viable options and alternatives, used together, towards creating better health!

3. Listen; learn: Wellness medicine treatment takes the time, to ask lots of questions, and listen carefully, in order to learn more, and be best positioned, to better health!

4. Importance; ideology; ideas; investigate: Utmost importance, in an alternative regimen, is possessing an ideology, of considering the bigger – picture, and take advantage of the finest relevant ideas / alternatives. When one investigates the options, and alternatives, he places himself, in the best position, for a potentially, healthier life, etc.

5. Systems; stronger; sustain: When one focuses on the best way to sustain our existence, and proceed, in a stronger way, he accepts alternative systems, focused on a healthier lifestyle!

6. Timely; trends: Pay attention to the discoveries, trends, and new alternative techniques, with the focus, on the best. most relevant alternatives, might create a healthier – you! In every medically – related, instance, it's essential to pursue, well – considered, timely actions and treatments, while ruling out major illnesses, such as cancer, etc.

7. Imagination; insist; improve: If you hope to improve your health, you will have to work, on it, while maintaining the imagination, to consider options and alternatives, and insist, on doing everything, possible, to enhance your well – being.

8. Care; caring; coordinate: Coordinate your care, and know, when allopathic approaches are needed, and necessary, and when, holistic approaches and techniques, might be best, for you! Happy people are generally, best – positioned, to be healthier, and are often, the most caring individuals.

Wise people don't ignore the possibilities, and are ready, willing and able, to consider, when HOLISTIC medicine and techniques, are best – suited, for you. Will you maintain the open – mind, to be the healthiest, you might possibly, become.

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Source by Richard Brody

Views: 0

July 26, 2022
Cure Stuttering Effectively With DAF And GILCU

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Stuttering as a speech disorder poses a lot of beliefs and theories concerning its origin and characteristics. One of them is the belief that stuttering is a result of the mismatch between a person's speech capacities and the demands the person receives from the environment. A person may constantly receive pressure around very fluent people. This may lead to the breakdown of his / her speech systems because the pressure he receives is just too much of what his speech system can accommodate. This makes concerned individuals look for ways on how to match these two factors and ways on how to cure stuttering.

There are a lot of myths and devices that promise instant cure for stuttering. Unfortunately, these are hoaxes and only provide temporary cure. But, with the help of techniques that are taught and implemented by certified speech pathologists, stutterers will be able to eliminate their moments of stuttering and communicate effectively. A lot of techniques are well-received by researchers in this field.

How To Cure Stuttering With GILCU?

Stutterers and concerned families have always been in the search for ways on how to cure stuttering. Speech pathologists incorporate different fluency techniques during therapies that promise to reduce and then completely eliminate the abnormal repetitions, prolongations and stoppages or blocks present in a stutterer's speech. With the help of the techniques, stutterers are also able to eliminate the physical concomitants or movements that they involuntarily do. Two of these techniques that aim to treat stuttering are Gradual Increase in Length and Utterance (GILCU) and Delayed Auditory Feedback (DAF).

How to cure stuttering with GILCU? GILCU, as what it stands for implies, involves the structured plan of the application of fluency techniques. The fluency techniques taught to patients are introduced and then applied in the patients' speech in a gradual manner. The patients will first apply the techniques with syllables then proceed with words, then to phrases and in turn to sentences. The patients, who seek ways of how to cure stuttering, will need to master first applying the techniques in the shortest utterances before proceeding to longer and more complex ones.

GILCU is incorporated in the Fluency Shaping treatment plan because it targets the over-all fluency of the person. This is also a convenient and effective technique because it doesn't bombard the stutterer with a lot of techniques at once. This gives the patient the chance to adapt and incorporate the techniques needed according to his / her own capacities. GILCU answers people over their concern on how to cure stuttering effectively.

How To Cure Stuttering With DAF?

DAF is another technique used by speech pathologists for people who are concerned on how to cure stuttering. Delayed Auditory Feedback, as the name implies, alters the auditory feedback system of the stutterer to lessen the dysfluencies. It is based on the belief that stutterers are not able to immediately implement corrections when what they wanted to say is different from what they have said. How to cure stuttering with DAF?

With DAF, a device is placed on the patient's ears. This device modifies the feedback system by delaying the sound heard by the stutterer by 50-75 milliseconds. This will make the stutterer prolong syllables and reduce the rate of utterances, thereby lessening the sudden dysfluencies created because of pressures for rapid speech. The delay caused by the DAF is decreased over the course of therapy to increase the pressure imposed on the stutterer. Its goal related to how to cure stuttering, is to practice the speaker to not hurry his / her speech and give him / her ample time to construct his ideas and produce them well.

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Source by Samuel Keith

Views: 0

July 26, 2022
Why Customer Concentration Impacts a Business Sale Transaction
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Few owners recognize the major impact that customer concentration has on the sale of their business. Customer concentration represents a significant obstacle and will affect the salability, valuation, and deal structure of a business-for-sale transaction. Not only will it create problems in qualifying buyers but it will impact the ability for any prospective purchaser to obtain third party financing to complete the acquisition. Determining if customer concentration is present in an enterprise is a critical element of the succession planning process.

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

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

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

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

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

Contingent payouts could be structured in a variety of methods:

Earn-Out:

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

Escrow:

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

Seller-Financing:

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

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

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

Customer Contracts:

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

Barriers to Entry or Exit:

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

Providing a Variety of Products and/or Services:

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

Economies of Scale or Synergies:

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

Summary

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

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Source by Michael Fekkes

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July 25, 2022