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How Do I Convince My Husband That I’ve Changed My Ways So He’ll Give Me A Second Chance?

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It’s an awful feeling to be looking back on your marriage with negative hindsight. Sometimes, we don’t see things clearly enough until we’re faced with actually losing them for good. I recently heard from a wife who was experiencing this first hand. Her husband had left her after finally becoming tired of her constantly bending the truth, not treating him in a respectful way, acting irresponsibly, and taking him for granted.

She said, in part: “I was furious with my husband when he left me. I was mad that he would give up on our marriage without giving me any warning first. But after I began to think clearly, I realized that he did give me plenty of warnings but I wasn’t always paying attention. I spent the money that he mostly earned like crazy and put us heavily into debt. I would bend the truth about my activities so I could keep on doing exactly what he wanted. He worked hard while I had the fun. If he mentioned not being happy about this to me, I’d call him a stick in the mud or asked him if he was my father. I flirted with other guys and didn’t show him the respect he deserved. He was nothing but loving, loyal, and good to me, but I didn’t fully appreciate him until now. So now I’m at the point where I fully realize my mistakes and am committed to changing my ways. I’ve gotten a better job and have stopped the spending, lying, and partying. But when I tell him this, he looks at me with doubt in his eyes and doesn’t make any further attempts to see me. If he would only give me a second chance, I could and would prove to him that our marriage could be different. Will he give me that second chance? How can I make sure that he does?” I’ll try to answer these questions below.

Usually, In Order For Your Husband To Give You And Your Marriage A Second Chance, Several Things Need To Happen All At Once: Over time, it became pretty obvious that this wife was sincere. It has been months since her husband had left. And, during that time, she had gotten a job, adjusted her thinking and her behavior, and really embraced a new way of life that the husband had been encouraging and calling for all along.

The wife was frustrated that she’d made all of these changes and yet, despite her repeatedly detailing her mistakes and how she had changed them, her husband still had not been receptive enough to give her another chance or to come home. In fact, he’d started talking about divorce, which was especially upsetting to her.

This wife didn’t understand that in order for your husband to give you a second chance or to be open to a reconciliation, several things need to happen, as follows:

1. Your husband needs to completely believe that, not only have you really and truly changed, but that you understand why you acted the way that you did and are completely remorseful for it. He needs to believe that you now see the attributes in him that you missed before so that you won’t continue to take him for granted.

2. Your husband needs to believe that the changes that you made are lasting and that you didn’t only “change” for his benefit. Many husbands suspect that as soon as he agrees to give you another chance or comes back home, you’ll eventually get comfortable again and resort back to your old ways so that he’s having to deal with the same behaviors over and over again without any escape.

3. Once your husband believes that you’ve made lasting realizations and changes, then he has to perceive that continuing in a relationship or marriage with you is going to be better for him (or make him more happy) than to continue to be alone. Sure, he might believe that it’s possible that you’ve changed. But sometimes, he still feels that too much negativity has happened between you to really salvage the marriage. Or, he doubts if things can ever really “be the same” again.

Identifying And Addressing Any Doubts That Your Husband Might Have About Giving You A Second Chance. Where Is His Reluctance And His Resistance Coming From? Admittedly, I didn’t personally know either the husband or the wife in this scenario. So, I couldn’t pinpoint which of the above 3 factors was keeping the husband from believing his wife or from giving her a second chance. But, if the wife truly observed the husband’s behaviors and listened to the clues he was likely offering her, then she should be able to figure out what truly stood in her way.

Most of the time, this is a gradual process because you have to hang in there in order to keep going long enough to over come what is usually a husband’s considerable resistance and doubt. In truth, this couple had been married for years and yet the wife’s changes had only been around for a few months. The husband likely still had his doubts that the changes were sincere or were truly going to last. And he may have also had his doubts if the two of them could be happy again after he’d walked out on her and given up on the marriage.

The best way to address these doubts was to just continue on with what she was doing and to give the process time to work. Because with time, the husband could likely see that she truly was sincere and absolutely meant what she said. It helps if you can somehow let your husband know that you are incorporating these changes even when he’s not watching you. If a mutual friend or family member comments about the changes in you without your being present, this can help.

Here’s one more point that I would like to make. It’s entirely possible that the husband was slowing warming to the idea that his wife could change, but that he still had his doubts that the marriage could truly be a genuinely easy or happy one. The wife admitted to me that sometimes things were tense when they were together because she was frustrated that her plan didn’t seem to be working. This was something that needed to be avoided in the future.

It’s vitally important that your husband sees you being light hearted, fun loving, and very easy to be around. The relationship and the conversations should be light and should not feel awkward or forced. I know that this sometimes takes some doing, but if every interaction feels or reads negatively, then this will often just reinforce the husband’s belief that the marriage is too far gone to save.

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Source by Leslie Cane

Views: 0

February 1, 2020
My Wife Treats Me Like Dirt – The Truth About the Husband You Must Be to Get Respect From a Wife!

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If you’re saying my wife treats me like dirt, then you’re probably thinking that it’s going to be nearly impossible to get her to worship you.

However it is possible, though it may take a little bit of work.

But most important is that you know what makes a wife worship her husband in the first place.

How to Be Able to Stop Saying My Wife Treats Me Like Dirt…

Okay, so most husbands who get into this situation get it totally wrong. They actually become exactly the opposite of who they have to be for their wives to respect them.

It’s probably the most common mistake that husbands make.

There’s a few reasons why this happens, and to understand HOW to stop it from happening…to understand how to make your wife stop treating you like dirt, you have to understand WHY it’s happening.

First…You’ve Lost Site of the Relationship FACT The fact is that your marriage is simply just another relationship. All relationships have certain dynamics that are inherent. We sometimes try to get past this, because we try to romanticize our marriages.

That only works in the beginning, in the honeymoon stages.

The fact is that in EVERY relationship there is always a dominant party, who has the upperhand. When I say dominant, I don’t mean that you have to be dominant in a harsh way. Of course you MUST NEVER be physically abusive in anyway. In a marriage, there are ways (traits that YOU must maintain) that keeps you having the upperhand.

You having the upperhand actually means a much happier marriage in the long run. That’s because you become the husband that your wife truly wants.

Second…Your Wife Doesn’t Know What She Wants in a Husband This one is a bit tricky. You see, your wife instinctively, down to her DNA wants you to be a certain type of husband. However society has made her think that she wants another type of man.

Basically she really instinctively to her core – as far back as her cave woman ancestors -wants you to be an ALPHA MALE. A true leader. However society has made her consciously think she wants you to be a submissive sissy of a husband. But we know through addictions and habits that instinct and biological forces always prevail.

Third…You’ve Become the Wuss to Make Life Easier So here’s the deal. You’ve lost your alpha male status (if you ever had it, most men don’t) simply because it was easier. It’s easier not to have to pass all of the tests that your wife will throw your way to make sure you are the alpha male that she wants down deep inside.

And so you don’t have to argue and here nagging, you submit, and become a sissy of a man to put it bluntly. More scientifically you become a beta male. Or in the pick up artists community (and these guys understand human dynamics probably better than nearly anyone) you become an Average Frustrated Chump.

I understand this completely because frankly, I did the same thing. And the reason is because it’s tons and tons easier.

Fourth…You React in the Wrong Manner to Her Drama This may be the toughest part but when you react to your wife treating you like dirt, you’re likely doing it in the exact opposite way that you should. Most of the time the way a husband reacts to this only makes the problem worse, and actually confirms in your wife’s mind what she already knows…that you’ve got beta qualities, rather than Alpha.

Sadly, this is usually the head factor in you having to say my wife treats me like dirt.

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Source by Jason T. Nelson

Views: 0

January 31, 2020
What You Need To Know About Drug And Alcohol Addiction Treatment Programs

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A drug and alcohol addiction treatment program is one of the most successful ways to wean yourself from drugs, alcohol and all other addicting processes. If you are at the stage where you are considering drug and alcohol addiction recovery, the good news is that you are on the road to recovery. The bad news is that this is a long and very difficult journey that you will have to take. A drug rehab clinic is often one of the best ways for you to detox from alcohol and drug use. But, you need to do so with the necessary knowledge about the drug and alcohol addiction treatment program you plan to attend.

Here are some fundamental things to consider about the drug and alcohol addiction treatment program you are considering.

· Your drug rehab clinic should provide help for all areas of the infected person. That includes their psychological, medical, and legal problems.

It can also address their needs for finding a way to work and overall restart their life.

· Realize that not all treatment programs are the same for everyone. You should work with the clinic to determine the most appropriate treatment program for your specific circumstances.

· The program should allow for continuous change to it, as the individual grows through it. As they begin to repair the damage done to them by drugs, the effective treatment program should change to accommodate these needs.

· Time is needed. It is necessary for a person to stay in treatment for as long as possible. On average, this is about three full months. Only with enough time will the treatment be successful.

· The drug and alcohol addiction treatment program also needs to focus on the medicinal needs of the patient. That would mean careful consideration for their specific medical concerns. Things like withdrawal medications are almost always necessary in severely addicted individuals.

· You should realize that detoxifying the individual is not enough to stop the behavior. The drug rehab clinic needs to handle more than just this process. It needs to look for the long term rehabilitation of the individual. Detoxing is just not enough.

· Also, you should take note that voluntary drug treatment is not always necessary. If a person is motivated to detox because of family, employment or legal problems, this can be enough to push them through it.

Additionally, this force to go in can help them to become more successful at their program as well.

Drug and alcohol addiction recovery does and can happen through a high quality drug and alcohol addiction treatment program. Once the alcohol and drug detox has happened, the next step is to correct the behavioral, emotional, physical and long term effects of the drugs. This can be the mark of healing when the program addresses the full scope of what is happening.

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Source by Sandy Sizemore

Views: 1

January 31, 2020
Traditional Chinese Medicine: Acupuncture Points and Charts

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What Are the Acupuncture Points?

The English translation of ‘acupuncture points’ is not very accurate. Acupuncture is one of the many healing methods used in traditional Chinese Medicine. It inserts fine needles into the sensitive points on the body to stimulate Jingluos (meridians) to cure diseases. These sensitive points are called ‘Shuxue’ or ‘Xuewei’ in Chinese Medicine, meaning ‘the transmitting points’. However, this name has been so widely used, there is no point to change it now for our discussion.

Acupuncture points are the responsive points or sensitive points on the meridians and other parts of the body. They are the special locations where energy is transmitted between the inner structures and the surface of the body. These spots can reflect disease or unhealthy conditions by giving forth painful sensations when touched or pressed. These points are (but not limited to) where the therapists apply treatments. When the body is deficient of positive energy, negative or harmful energy will be able to invade the body through these spots, causing illness. Stimulating the related points can boost and mobilize the positive energy, balance Yin/Yang energy and cure the disease. There are three types of points:

1. 14-main-meridian points

2. Extraordinary points

3.’Yes’ points.

The 14-main-meridian points are the spots on the 12 main meridians plus the spots on the governor and conception vessels. Each spot has a unique name and a fixed location. They are the main acupuncture points. The extraordinary points are the points that have names and fixed locations. These locations are not on a particular meridian. ‘Yes’ points are also called pain points, but they don’t have names or fixed locations. They are the sensitive points related to the diseases. The ‘yes ‘name came from a story. When treating a patient, the doctor pressed a spot unintentionally, and the patient uttered ‘oh yes’.

There are approximately 360 acupuncture points in total on the human body. With so many tiny points to remember, one can easily be intimidated. As a matter of fact, for self -healing and caring purposes, we don’t have to memorize all these points. We only need to remember roughly 20 most used and effective points. If you need to use more points, just look for them using the meridian and acupuncture point charts. Each point has a unique and meaningful name, which gives some key information about this particular point, such as main function, usage, location, or other. In English, the English spelling of the Chinese names are directly used. For people who don’t understand Chinese, it is hard to comprehend the significance of each name and, therefore hard to remember all the foreign sounding names.The format of the international symbols for acupuncture points is fairly easy. Since most of the points belong to one specific meridian (Jing), it only makes sense that their symbols are associated with those meridians. You can take two abbreviation letters of that meridian’s name and number all the points along the way, from the starting point to the end point. For example: the name of the Xue-hai point means ‘the sea of blood’ in Chinese and can be used for blood-related issues. Its English symbol is SP10, because it belongs to the spleen meridian and is the 10thpoint from the start.

How to Find an Acupuncture Point?

When considering an acupuncture point as a tiny point, it might be really difficult to find it. However, if you think of it as a small precise area, it becomes quite easy. To locate a subject on a 2D plane, you need 2 coordinates. To locate an sensitive point, we use a reference point and a distance. The reference point is a known location on the body, such as ‘the tip of the nose’, ‘the highest point of the ankle bone’ etc. The distance is measured by your own hand. The unit is ‘cun’. The width of your thumb at the mid joint is one ‘cun’, the width of middle three fingers at the mid joints is two ‘cun’, the width of the four fingers (without the thumb) at mid joints is three ‘cun’. How do you know if you have found the right point? When you press on it, if you feel kind of sore and sense a little pain (acute pain means you are not well somewhere), then you are on the right spot. Every main meridian has a primary point. That is the point where the primary energy of this meridian originates. Stimulating this point is one of the most effective ways to boost the positive energy found in this meridian.

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Source by Wendy Q Wang

Views: 1

January 31, 2020
Affiliate Marketing 2018 – 3 Points To Consider

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Affiliate marketing is the process of offering products for sale on the Internet, and having your own account remunerated for any sales made.

The beauty of the system is that you don’t have to put any money down for inventory – you’re able to sell someone else’s product for a cut of the sale.

Obviously, like all business opportunities, a number of unscrupulous individuals brought the market into disrepute with nefarious practices… but having said that, the majority of affiliate marketers are legitimate folks looking to share good products.

If you want to know it in 2018, this tutorial should give some insights…

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Role Of Affiliate Marketing 2018

The Internet landscape has changed markedly since the inception of the model back in the late 90’s.

With the rise of Social Media, “influencers” have become the mainstay of most people’s Internet experience – leading a huge number of purchase decisions to be based off their recommendations.

Whilst this has brought its own problems, one of the most important things it’s done is expose the general Internet community to the process of buying products on recommendation.

This recommendation process is what lies at the core of affiliate marketing, and is basically how anyone who does it gets paid.

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The point that needs to be made is that when you “make money” online, what you’re really doing is getting people to buy things online.

This purchase process lies at the core of all earned dollars – be it through the Internet or locally. The way through which it’s facilitated is what determines its profitability etc.

To this end, when the Internet started achieving commercial value in the late 90’s and early 2000’s, product/service owners realized that they could multiply their revenue by simply allowing others to sell their products.

The model was designed to encourage cross-promotions etc – and it worked.

By 2010, the market was teeming with products, services and companies who all offered a variety of affiliate referral programs.

There were even some “networks” who managed the process for everybody involved.

Although this works well, the main problem it had was that it lead to a number of problems – typically with people feeling they had been ripped-off by referrals/vendors.

Thus, by 2018, whilst it’s still effective to have the likes of Google affiliate sites, it’s more effective to carve out an “influencer” role in a market – and let that determine who enjoys what you’re offering.

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1. Remove Necessity

As mentioned, there are a number of reasons why affiliate marketing wasn’t seen in too bright of a light – the main being that “thin affiliates” had jumped on the bandwagon, trying to take advantage of market demand for their own gain.

The best way to make progress with referrals in 2018 is to use your own face.

Creating content around a particular topic that you have expertise/experience with, and actually giving a damn about whether the content is effective, is what constitutes to a successful affiliate strategy in 2018.

If you create your own content, have the relevant social media channels (which you populate with actual content), you’ll want to look at then incorporating referrals into your strategy.

Any referrals you make are NOT “sponsored” content – they need to be presented as you would use them yourself – which typically means the creation of content specifically aimed at the core reason for the product.

For example, if you’re in the software/computer business, you’ll find that people will respond to either your recommendations or industry news. You’ll do very well by not only covering the relevant news, but then linking to “further resources” in the various descriptions you have.

The best affiliate marketing strategy for influencers is to direct readers to a website (rather than the products directly).

This gives you the ability to present various other offers, coupons and information about any referral links you may create – without the need of being overly careful to not break the rules of the various platforms through which you reach your audience.

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2. Reviews Aren’t Dead; But They Need CONTEXT

It used to be the case that if you created a simple reviews website, bought some traffic, you’d get decent sales.

Those days are all but gone.

The big equalizer is social media — Facebook, Twitter, YouTube and Instagram have changed consumers’ expectations markedly.

They want to know WHO is making the recommendation and WHY.

This is where “reviews” have headed – they need “context” that can only come from a valid story.

If you want to write any reviews for products, you need to buy the product first – go to lengths to properly review its effectiveness, and then post the RESULTS of what you discovered.

Unless you’re on the first page of Google (which is now a LOT more difficult unless you have actual content on your website), getting referral traffic really needs to have a lot of quality put behind it.

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3. Focus On Providing A Service

The best thing you can do is to focus on “getting paid” by doing something that people will be willing to pay you for.

I’ve tried many different things, but I’ll tell you now that it’s those who continually have “something to do” who are attractive.

The guys who are relying on affiliate marketing to make money are likely going to fail. Even if they do well, it’s typically short lived.

The best recommendation I give to people is they look for ways to “create money” of their own, and then use their downtime at evenings or weekends to create websites/videos on various products they thought were good.

By doing this, you not only give yourself actual income up front, but you also do the magical thing of being non-needy.

Needy businesses are weak businesses. Strong businesses take their time to get their products done properly.

If you consider your referrals as a “business”, think about the investment you might need to make it effective, and then consider how you could improve it. This is where the value of affiliate marketing in 2018 really lies.

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Source by Richard Peck

Views: 0

January 30, 2020
What Is the DXY Dollar Index?

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The DXY is an indicator that many market watchers and commentators reference and quote. So what is the DXY or US Dollar index?

The DXY is a geometrically weighted index of some of the major trading partners of the United States. The composition if the DXY Index is heavily weighted towards the Euro and European countries that have not joined the European common market. The components of the DXY Index are (by weighting): Euro (57.6%), Japanese Yen (13.6%), Great Britain- Pounds Sterling (11.9%), Canadian Dollar (9.1%), Swedish Krona (4.2%), and Swiss Franc (3.6%). Because of the composition of the DXY, it is sometimes referred to as the Anti-Euro Index.

The DXY is a convenient index to use as a simple method for referencing strength and weakness of the US Dollar (USD). But its ubiquity disguises the fact that it does not reflect the value of the dollar against a broad enough basket of currencies. The DXY was created by JP Morgan in 1973, and it has only been updated once, for the introduction of the Euro currency.

The DXY is heavily weighted towards European currencies, it underweight’s the Canadian Dollar, as a proportion of US trade, and it largely ignores important Asian and Pacific trading partners, including Korea, Australia, Taiwan and necessarily China. Even if one were interested in including the Chinese Renminbi (Yuan) it would be both difficult and of questionable informational value to include the Renminbi because China keeps their currency pegged to a range that is based on the dollar.

A more accurate basket of currencies to track the relative value of the USD would be to value the dollar against the top US trading partners. The top 6 US trading partners, from high to low are: Canada, China, Mexico, Japan, Germany and the UK. It’s hard to say why JP Morgan created this index and how it came into such prominence. One odd thing about this index is you cannot trade it. There is no market that you can go to and buy the DXY. The closest you can get are futures and options contracts traded on the InterContinental Exchange (ICE).

If it’s so inaccurate, then why is it so widely quoted? While there are more accurate ways to benchmark the USD, absolute precision is not always important for an indicator. Many traders and institutions likely have their own indices that they use to track the USD, but for the sake of comparison, it is very convenient to have a common index. The DXY is also highly correlated to a trade-weighted index most of the time. Relative strength or weakness moves by the USD represents huge flows of money. As I’ve written previously, the recent +10% move by the DXY represents more than $1 trillion of nominal wealth destruction. Moves of this magnitude do not happen in a vacuum and the relative weakness of the DXY is mirrored by corresponding weakness in the trade-weighted index.

While there are shortcomings, the DXY does serve as a reliable indicator of USD strength and weakness and can be used as such, as long as one keeps in mind that it will occasionally be skewed if there are large currency moves that occur in the Euro.

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Source by Christian Koch

Views: 0

January 30, 2020
How To Start Marketing Your Business

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To new business owners, starting a business is often its own reward. They are thrilled to be able to be their own bosses, and to successfully get a business up and running. Often they are happy just to keep the dream alive.

But every business needs to grow. That doesn’t mean you have to reach out to a larger market – it means working toward increasing your share of the one you are targeting. This will keep your business healthy enough to survive obstacles such as tough economic times.

In order to keep moving forward, we need to market our businesses constantly. We need to dedicate a certain percentage of our resources to building our brand and reaching our target market. Here are some simple things you can do to help your business grow.

Have a clear picture of your target market.

Find out what types of people use the products and services you provide and respond to your business philosophies. If you’re not marketing to the right people, all will be lost.

Research, research, research.

Determine how to best reach your target market and what they expect out of your offerings. Study your competition carefully, and make note of what they’re doing right and wrong.

Choose your marketing channels wisely.

If your target market rarely reads, there’s no point in advertising in a magazine. Use what you’ve learned about them to find the best possible outlets for your message, and focus your marketing efforts there.

Give your advertising a chance.

Studies show that consumers require repeated exposure to a product before they will even consider buying. So don’t be surprised if one ad run doesn’t bring spectacular results. If you’ve done your homework and found a viable way to reach your market, run the ad at least two more times before you evaluate the results.

Take advantage of free publicity.

Sending out press releases and finding other ways to attract the media will give you high-quality exposure, and it won’t eat into your budget.

Keep track of the effectiveness of your marketing efforts.

If what you’re doing is working, you should be generating more revenue. Use some of that revenue to do more marketing. If it isn’t working, make adjustments and try again.

Sometimes you’ll have to take a step back with your marketing plans. But that’s not a sign you’ve failed. It’s a sign that you’re a smart marketer. Sometimes the market changes, and it’s up to us to monitor those changes and adjust our marketing plans accordingly. No successful company markets the same way forever. By evolving with our target market, we can make our marketing work better.

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Source by Jon Allo

Views: 0

January 30, 2020
Sell Junkyard Auto Parts and Make Money From Home
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A lot of people make some serious money from home selling junkyard auto parts. My husband’s been doing this for a while now and just loves it! I’m still amazed at how untapped this market is. Maybe because when you sell junkyard auto parts you’re not sitting at a computer all the time?

But working from home doesn’t always mean making money online or just from your computer, especially if you’re doing any type of arbitrage deals.

And there are thousands of people looking for cheap auto parts online. Why not get in the game and be one of their salvage auto parts suppliers?

This is business that you really don’t have be a mechanic or detail specialist to make some real money, especially if you’re just dealing with interior or exterior restoration parts or basic engine parts.

For example, a head rest is a head rest. Unscrew some parts and pull it out. Door panels are door panels. Unbolt them from the hinges and take it off. Engine components may be a bit trickier but you can always go on YouTube and find out what the parts are, what they do and even how to remove them.

But even in this type of a business, you may want to specialize in a niche. What do I mean by a niche when it comes to used auto body parts? Pretty easy. Here are some ways to drill down a niche just by specializing…
1. … in a particular make and model of vehicle
2. … in sports cars
3. … in truck parts
4. … in engine parts
5. … in exterior body parts
6. … in interior restoration parts
Just think about all of the parts that go into building a vehicle, whether it’s a truck or car. Some parts are even interchangeable between makes and models. For example, I needed a new front fender for my 2001 Mercury Villager. Did you know that the 2001 Nissan Quest has an identical body to the same year Mercury Villager?

They do! So my husband took the parts off of a junked Quest and replaced the fender and front light assembly on my Villager.

The cup holder assembly in my Villager cracked too. But instead of replacing that unit, he found a narrow console with built-in cup holders from a Dodge SUV that fit perfectly between the front bucket seats of our Villager. Same color and texture as the interior of our car; that console looks like it came with our van!

So now we have three “new” cup holders in the front, and two additional cup holders for the rear seat, from one $10 used Dodge console.

You will have to do some research on eBay before going out and spending money. You can’t just go out and buy any junkyard auto parts and expect them to sell. There are some steps involved to making this a profitable at-home business.
1. First, get a price list from your local salvage yard. Look for the least expensive parts on the list.
2. Look up the parts on eBay and filter by Sold listings. Take an average of what those parts are selling for and see what your profit margin is. For example, if it’s going to cost you $10 to buy the part and it’s selling on average of $85 or more, and there are a lot of them being sold, you’ve got a winner.
3. Take into consideration how much time and effort you want to put into pulling the parts off the vehicles. Some parts are pretty easy and you’ll only need a couple of screw drivers on hand. Other parts can be rather tricky, depending on whether you’re dealing with interior, exterior or under-the-hood parts.
4. Another thing to think about is the weather! Here on the east coast it gets really blustery during the winter. And in the spring, it can get pretty muddy out in the yard. So you need to make sure you’re dressing for the weather – be prepared for anything.
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Source by Karen S Musselman

Views: 0
January 30, 2020
Homosexual Dating – Truth and Connection

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Homosexual dating has become much more widespread and accepted in Western culture, allowing both gays and lesbians the chance to reach out to one another beyond that of closed doors. Now there are many ways you can have a rewarding homosexual dating experience, so don’t be afraid to get out there and explore all of the potential relationships you can create at a wonderful same-sex communities.

Homosexuality is a form of love that needs not to be judged or explained, because it is just another example of how when you love someone it doesn’t matter what colour their skin is, how old they are, or even what sex they are. True love knows no boundaries, has no discriminations and only wishes to be shared with another who returns the same emotions.

Unfortunately, not everyone agrees with this idea of love, and due to this fact, many homosexuals, regardless if they are male or female, are made to feel alienated, which can often lead to feelings of depression or loneliness. There is no reason why you should let these feelings overcome you, or let other opinions of those you care about, such as family members or friends, negatively influence your life when it comes to finding love, relationships, and homosexual dating.

Homosexual dating is about finding someone who feels the same way you do, enjoys spending time with you, treats you with respect and makes you feel like an equal. It is about being apart of a relationship with mutual understanding, which has the potential to forge a strong connection between both you and your partner.

Like any dating experience, there will be certain setbacks and struggles that you may face during homosexual dating. This is only natural, simply because in order for you to connect with someone, it is important that you feel comfortable with them.

As a gay or lesbian, you should not feel that you need to grab any opportunity that comes your way. There is no harm in starting as friends and working slowly into the relationship to discover how much you have in common. As long as you are honest with your feelings, you should have no problem finding a partner.

Homosexual dating is how you can establish an amazing connection with someone who understands you, and loves you for who you are with no questions asked. Even though you will meet some people who are destined to give you a hard time with your sexual preference, all you can do is trust your own judgments, be true to yourself, and give your love and time to those who deserve it.

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Source by Frank Duru

Views: 0

January 30, 2020
Effective Working Capital Management and Optimal Synchronization of Cash Flows

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How do firms choose their operating cycle? How do firms choose their cash conversion cycle? What is the impact of firm’s operating cycle on the size and periodicity of investments in receivables and inventories? How do seasonal and cyclical trends affect firm’s operating cycle, cash conversion cycle and investments in current assets? These strategic policy questions relate to optimal cash flows synchronization and effective working capital management designed to maximize the wealth producing capacity of the enterprise.

In this review, we will examine some pertinent and extant academic literature on effective working capital management and provide some operational guidance to small business enterprises. The shorter the cash conversion cycle, the smaller the size of the firm’s investment in inventories and receivables and consequently the less the firm’s financing needs. Although setting ending cash balances is, to a large extent, judgmental, some analytical rules can be applied to assist effective formulation of better judgments and optimize cash flow management.

As you know, a correlate to cash is net working capital. Net working capital is not cash but the difference between current assets (what a firm currently owns) and current liabilities (what a firm currently owes). Current assets and current liabilities are firm’s immediate sources and uses of cash, respectively. Clearly, a firm’s ability to meet its current financial obligations (bills due within a year) depends on its ability to manage its current assets and liabilities, efficiently and effectively.

Effective working capital management requires the formulation of optimal working capital policy and the periodic management of cash flows, inventories, account receivables, accruals and account payables. And because poor working capital management can severely damage a firm’s credit worthiness and limit its access to money and capital markets, every effort must be made to minimize business default risk.

The significance of liquidity cannot be overemphasized. In addition, anything that adversely impacts a firm’s financial flexibility degrades its ability to borrow and cope with unexpected financial hardship. A firm must preserve its ability to react to unexpected expenses and investment opportunities. Financial flexibility derives from a firm’s use of leverage as well as cash holdings.

In practice, optimal working capital management includes effective cash conversion cycle, effective operating cycle, the determination of appropriate level of accruals, inventories, and account payables and the attendant funding options. Working capital policy impacts a firm’s balance sheet, financial ratios (current and quick assets) and possibly credit rating. Critical to efficient firm’s working capital management is a good understanding of its cash conversion cycle, or how long it takes for a firm to convert cash invested in operations into cash received.

The cash conversion cycle captures the time passed from the beginning of the production process to collection of cash from the sale of the finished products. Typically, a firm purchases raw materials and creates products. These products go into inventory and then are sold on account. Once the products are sold often on credit then the firm waits to receive payment, at which point the process begins again. Understanding the cash conversion cycle and the age of account receivables is critical to successful working capital management.

As you know, the cash conversion cycle is divided into three parts: the average payment period, the average collection period and the average age of inventory. The firm’s operating cycle is length of time from the receipt of raw materials to the collection of payment for the products sold on account. The operating cycle is therefore the sum of the inventory conversion period (the average time between when raw materials are received into inventory and product is sold) and the receivables conversion period (the average time between a sale and collection of the receipt). Note that the operations of a merchandising enterprise involves purchasing (the purchase of merchandise), sales (the sales of products to customers, and collection (the receipt of cash from customers).

Some Operational Guidance:

There is gathering empirical evidence suggesting that effective working capital management begins with assessment of operating cycle and optimizing cash flows from firm’s operations. Management must know, understand and anticipate the impact of cash flows on firm’s operations and its ability to maximize the profit producing capacity of the enterprise. Effective cash management is critical to the success of a business enterprise. It is all about cash flows.

One of the best ways to increase cash availability is to accelerate the receipt of incoming payments by reducing the age of account receivables using appropriate mix of incentives and penalties. A firm must evaluate current payment processes and identify effective options to expedite collection of account receivables.

There is strong evidence suggesting improving payment processes and moving to electronic alternatives will maximize liquidity and better manage costs of receivables. Liquidity is critical to the success of every business enterprise and effective cash management is the core of liquidity. In practice, a careful analysis of cash flows and assessment of investment strategies and policies is required to ensure that a firm has appropriate tools needed to maximize firm’s liquidity, and optimize cash flow management.

A firm optimizes cash flow management in its operating cycle by rationalizing-streamlining and improving the ways it manages the inflow of cash receipts, makes outflow cash payments and minimizes the age of account receivables. A firm needs digital records, electronic banking, robust internal controls and agile accounting systems for quick reconciliation of bank statements through timely access to bank accounts, customer records; and synchronizing cash flows, accounts payables, and accounting systems for increased efficiency.

Best industry practices include analyzing cash flows monthly to determine ending cash balance (the difference between total cash inflows and total cash outflows). The goal is a rising or positive periodic ending cash balance; Monitoring customer balances to manage account receivables (money owed to the firm from customers); and appropriate pre-qualifying processes before extending credit to customers is essential to minimizing incidence of bad debts.

A tracking system that monitors outstanding receivables and sends automatic reminders, invoices and statements is a useful tool. Some firms use factors by selling their receivables to factoring companies to ensure steady cash flows; Slowing down cash disbursements: Prudent cash flow management dictates that a firm retains cash as long as possible. Optimize cash flow management by paying on time while utilizing all accommodations consistent with the calculus of financial advantage. Finally, borrow long and lend short and time large expenses by setting aside small amounts to fund large expected expenditures. Always remember that long term liabilities become current liabilities in the accounting period in which they mature.

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Source by James Gaius Ibe

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January 29, 2020