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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
Can You Cure Foot Pain, Back Pain and Fatigue With Shoe Inserts?

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I’m always on my feet it seems like. I have a job that is pretty demanding, walking and standing on my feet, eight hours a day. Some days I walk five to seven miles. I know, there are plenty of other jobs out there that are way more demanding than mine. However, doing a job like mine in dress shoes or any low-quality shoe can kill your feet. And this can lead to significant foot pain, back pain and worse. It can knock your quality of life down a few notches, and that’s precisely what it did to me.

With foot pain came back pain, exhaustion and me having to cancel my workout routine.

I mean, it wasn’t too long ago, I’d spend eight hours a day, working on my feet, before coming home and having to soak in the tub with Epsom salts. It was the only relief I could find. All of the pain and discomfort was rooted in the shoes I was wearing. They were nice looking, but not pleasant to walk around in all day.

Eventually, thinking I was going to have to quit my job (I did before going back.), I asked around and found out about some top of the line shoe inserts. I also bought new shoes.

With the new shoes, I felt 100 times better being on my feet. It was unreal. However, the shoe inserts made the most significant difference in my life. With top of the line shoe inserts, I could literally walk all day and have zero issues. I mean, after work, I felt zero pain and had no issues with my feet or back. Not only was there no pain, but no exhaustion either. After work, I still had plenty of energy and could go to the gym without any problem. It was amazing.

The best thing is that I can use the same inserts in all of my different shoes and enjoy the same benefits.

I never would have guessed that such a simple change could make so much of a difference in my life.

If you suffer from foot pain, back pain and your quality of life is suffering simply because of being on your feet, I highly suggest trying a pair of high-quality shoe inserts. They could change your life.

Additionally, regular exercise, weight-training and a healthy diet might help you, too. Being physically fit can make certain types of labor easier on your body. However, always check with your doctor before starting any new workout routine and diet.

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Source by Elvis Jackson Jr.

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
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
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
Top Reasons Why Athletes Should See a Sports Medicine Doctor

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The life of professional athletes isn’t easy. They have to participate in intensive exercises and training activities constantly to deliver maximum performance in front of an audience.

While these activities are crucial for athletes to stay in shape, they can also damage their body.

Sports medicine is a growing healthcare field dedicated for treatment of injuries related to sports and exercise like fractures, dislocations, sprains and strains, tendonitis, overtraining syndrome and degenerative diseases.

Besides injury treatment, it also focuses on helping the athletes improve their performance prevent future injuries.

Despite being a relatively new medical specialty, it has become essential for athletes thanks to its ability to address their specific needs and concerns.

Who is a Sports Medicine Doctor?

A sports medicine doctor is a licensed and trained individual who focuses on the diagnosis, treatment and prevention of injuries related to athletic activities.

These specialists treat their patients using physical therapy, orthopedic surgery, massage therapy, exercises, and other techniques so that they can return to their desired activity level quickly, safely and successfully.

They also teach the athletes on nutrition to help them maintain an optimal level of health and fitness and achieve their sports performance goals.

The sports medicine team includes sports physiotherapists, sports massage therapists, sports orthopaedic surgeons, sports podiatrists, athletic trainers, sports dieticians, exercise physiologists and sports biomechanists.

Common Sports Injuries:

Some common sports injuries athletes suffer on the filed include ankle sprain, groin pull, hamstring strain, knee injury, tennis elbow, Achilles tendinitis, concussion, shoulder injury, hip bursitis, quadriceps strain and shin splints.

They can also experience the exacerbation of pre-existing health problems like diabetes, asthma, allergies and arthritis.

Reasons to Visit a Sports Medicine Doctor:

There are many reasons for an athlete to see a sports physician.

Let’s take a look at some of them.

(1) Customized Care:

Sports medicine doctors are specially trained healthcare professionals who have an in-depth understanding of what could be the impacts of an exercise on their patient’s body. They collaborate with physical therapists and orthopedic surgeons to develop a customized treatment for their patient.

(2) Injury Prevention:

Sports physicians can provide the athletes with expert advice on the how to prevent injuries during the practice or play and how to reduce the likelihood of resurfacing a previous injury. They also conduct pre-participation physical exams of their patients to determine whether they are fit enough to resume sports activities.

(3) Pain Management:

Sports injuries may lead to several orthopedic issues that often cause chronic pain, making it difficult for the athletes to return to the game and carry out their activities.

While the primary aim of sports physicians is always to diagnose, treat and resolve the injury, they also use pain management therapies like electrical stimulation, spinal decompression, prescription medications and injected medications, to help their patients prevent or defer the need for surgery and continue their daily activities without any hindrance.

(4) Rehabilitation:

For an athlete, a return from an injury can be a complicated and lengthy process. If you find yourself sidelined by an injury, a sports physician can help you restore your movement and function and return to same or higher level of fitness quickly.

(5) Improving Athletic Performance:

Sports physicians diagnose and treat uncomfortable conditions to help you deliver your maximum performance, both on and off the field.

They also suggest you exercises and techniques to improve your strength and balance that contribute to your success as an athlete.

(6) Improving overall Fitness:

Sports physicians help athletes prevent muscle sprains, strains and tears to keep their bodies in shape.

They also conduct full body and musculoskeletal examinations to help them maintain their overall fitness.

(7) Non-Surgical Treatment:

Sports physicians try to avoid surgery in less severe cases and instead focus on treating injuries with non-surgical methods like physical therapy and acupuncture.

These treatments are often non-invasive and require shorter recovery time.

(8) State-of-the-Art Surgical Treatment:

In the cases where surgery is indispensable, sports physicians use advanced surgical procedures, like arthroscopic ACL repair, platelet-rich plasma (PRP) therapy, hip arthroscopy, stem cell therapy and rotator cuff repair to restore the function of injured areas.

(9) Education & Nutrition:

Sports medicine doctors teach you how to fuel your body properly to deliver greater performance consistency.They also focus on each athlete’s dietary needs depending on his/her general health and athletic goals.

(10) Rehabilitated Mobility:

Sports injuries can impair your mobility and flexibility, thus preventing you from conducting your athletic activities. Sports physicians help you restore function, increase strength and flexibility, improve range of motion, and prevent injuries from occurring.

(11) Improving Confidence:

An athlete fights with different type of injuries on the field that could make him/her self-conscious. Sports physicians address their specific needs, thus helping them regain their confidence and enjoy their game.

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Source by Jexy Rodriguez

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July 24, 2022
Treasury approves 2.3m new application for BPN, total payout RM1.7bln

KUALA LUMPUR: A total of 2.3 million new applications and appeals for Bantuan Prihatin Nasional (BPN) have been approved, with a cumulative total payout of RM1.7 billion, Finance Minister Tengku Datuk Seri Zafrul Tengku Abdul Aziz (pix) announced today.

The approval came after the Malaysian Inland Revenue Board (LHDN) completed its review of these new applications and appeals, he said.

“With the approval of these new applications and appeals, the total number of BPN recipients currently stands at 10.6 million, with a cumulative total disbursement of RM11 billion (an increase of RM1 billion on top of the initial allocation of RM10 billion),” he said in a statement today.

Tengku Zafrul said the government hopes the BPN will benefit the Rakyat and ease their burden during this challenging period.

The BPN is one of the government aids under the RM260-billion PRIHATIN Rakyat Economic Stimulus Package.

The MoF opened for new applications and appeals for the BPN between April 1 – 30, 2020. –Bernama

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https://www.thesundaily.my/home/treasury-approves-23m-new-application-for-bpn-total-payout-rm17bln-CL2386510

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May 9, 2020
New estimates highlight need to step up the response to hepatitis D

Lyon, France, 29 April 2020 – In a study published in the Journal of Hepatology,¹ Professor Anna Maria Geretti and Dr Alexander Stockdale from the University of Liverpool (United Kingdom), in collaboration with researchers
from the World Health Organization (WHO) and the International Agency for Research on Cancer (IARC), estimate that worldwide, hepatitis D virus (HDV) affects nearly 5% of people who have a chronic infection with hepatitis B virus (HBV) and that HDV
co-infection could explain about 1 in 5 cases of liver disease and liver cancer in people with HBV infection..

To map the epidemiology of HDV infection in the world, Professor Geretti and Dr Stockdale joined forces with the WHO Global Hepatitis Programme and IARC, alongside investigators in Germany, Malawi, and the United Kingdom. “Infection with HDV occurs
in about 1 in 22 cases of chronic HBV infection in the world,” Dr Stockdale says. “More high-quality data are needed, but we have identified several geographical hotspots of high prevalence of HDV infection: in Mongolia, the Republic of
Moldova, and countries in Western and Middle Africa.”

“Although it is less common than hepatitis B, hepatitis D is a serious disease that often affects underprivileged and vulnerable populations,” says Dr Meg Doherty, Director of the WHO Global Hepatitis Programme. Those who are more likely to
have HBV and HDV co-infection include people who inject drugs and people with hepatitis C virus or HIV infection. The risk of co-infection also appears to be higher in recipients of haemodialysis, men who have sex with men, and commercial sex workers.
Dr Doherty points out, “This information helps in identifying the groups with HBV among whom we should be looking for HDV.”

HDV (formerly known as the Delta agent) is a small virus – one of the smallest that is known to cause disease in humans – and can replicate only in the presence of HBV, from which HDV borrows some of its structures. Compared with people with
HBV infection alone, those who have a chronic infection with both HBV and HDV have a much higher risk of developing disease in the form of cirrhosis and liver cancer. “HDV is a significant contributor to severe liver disease and liver cancer,”
says IARC scientist Dr Catherine de Martel. “The findings from this study inform our work on the association between viral infections and cancer, which is focused on developing improved prevention strategies.”

Professor Geretti concludes, “HDV has long been neglected, because for decades the prevalence of infection remained uncertain and effective treatment was lacking. Mapping the epidemiology of the infection is just the first step. More efforts are
needed to reduce the global burden of chronic hepatitis B and develop medicines that are safe and effective against hepatitis D and are affordable enough to be deployed on a large scale to those who are most in need.”

¹ Stockdale AJ, Kreuels B, Henrion MYR, Giorgi E, Kyomuhangi I, de Martel C, Hutin Y, Geretti AM (2020). The global prevalence of hepatitis D virus infection: systematic review and meta-analysis. J Hepatol. Published online 23 April 2020;
https://doi.org/10.1016/j.jhep.2020.04.008

For more information, please contact

Véronique Terrasse, Communications Group, at +33 (0)6 45 28 49 52 or terrassev@iarc.fr or IARC Communications, at com@iarc.fr

The International Agency for Research on Cancer (IARC) is part of the World Health Organization. Its mission is to coordinate and conduct research on the causes of human cancer, the mechanisms of carcinogenesis, and to develop scientific strategies for
cancer control. The Agency is involved in both epidemiological and laboratory research and disseminates scientific information through publications, meetings, courses, and fellowships. If you wish your name to be removed from our press release emailing
list, please write to com@iarc.fr.

About University of Liverpool

Founded in 1881 as the original ‘red brick’, the University of Liverpool is one of the UK’s leading research-intensive higher education institutions. Consistently ranked in the top 200 universities worldwide, we are a member of the prestigious
Russell Group and have a global reach and influence that reflects our academic heritage as one of the country’s largest civic institutions. For more information please visit us at www.liverpool.ac.uk

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https://www.who.int/news-room/detail/29-04-2020-new-estimates-highlight-need-to-step-up-the-response-to-hepatitis-d

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May 9, 2020
Choosing the Right Email Service Provider

Just as email marketing can be complex, so is choosing a top tier ESP (Email Service Provider). Comparing ESPs to each other isn?t always an apples-to-apples comparison. They each have their specific areas of strengths and weaknesses. For example, some ESPs excel at integration with web analytics or CRM (Customer Relationship Management) systems, some are very strong in deliverability, and others have a more intuitive interface. The differences don?t just stop there: The same piece of content sent to the same list on different ESPs will give you different delivery results.

This white paper will help you narrow down the services that are most important to you and what to look for when selecting an ESP. It also includes an ESP Scoring Sheet!

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http://www.associationofmarketing.org/whitepapers/view.php?whitepaper_id=72

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April 11, 2020
Search Engine Optimization and Pay-Per-Click: A Holistic Approach

Far too often, online marketers separate natural search engine optimization practices from pay-per-click (also known as PPC or paid search).

Clearly, they both involve very distinct disciplines, but they may have a common landing page or potentially keyword and traffic data that can be shared to make initiatives more powerful and efficient.

In this guide, we?ll take a look at how the two facets of search engine marketing can work together. In addition, we?ll provide insights about how to make the most of SEO and PPC in their own right.

Paid search involves the sponsored listings at the top and to the right of the natural results that dominate the top search engine results pages (also known as SERPs).

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http://www.associationofmarketing.org/whitepapers/view.php?whitepaper_id=69

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April 10, 2020