oence.harga

Volatility

In a previous article I dug a bit deeper into small business volatility but it is worth mentioning again especially in the context of getting a business started. Small business exists because large business has carved out a method to meeting the needs that doesn’t reach everyone in a market place. In other words small business is small business because large business has deemed the pursuit of such market places not worth the effort. Large businesses seek opportunities that exist in well-established mature markets. These would be markets that yield smaller margins but are also less volatile. Consequently this leaves the more dynamic and volatile markets for the small businesses. This is part of why small businesses don’t last long, they compete in an ever changing market place.

So, what does this mean for you? It means that the opportunities that will exist for you and the business you aspire to open will be opportunities that require quality and custom solutions quickly. This also means there will be a good deal of work involved in order to gain market share for you niche. Abandon any idea of providing a single product or service, you will need to diversify your products/service, customers, and possibly industries. To combat the ebb and flow of the small market place you will need diversify all aspects of your company.

Alignment

Ok, now that you understand a little about the realities of the small business market place the next thing to look into is how well your potential business aligns with who you are. In the beginning stages of a business the founder is the business and the business is the founder. To offer the most value the business should be the embodiment of you and you should be the embodiment of the business. The realization of a single opportunity should not be the only deciding metric for starting a business. As an example; A few years ago I had the opportunity to start a frozen yogurt shop in my town that would have been modeled after a profitable model that was doing well in other cities. I did my homework and found that for $40,000.00 I could have everything I needed to open the doors and start selling yogurt. I decided against it for two reasons, 1. I live in a four season’s area and I did not want to have a feast or famine demand and 2. I am not that crazy about yogurt. Now, the opportunity was there, and since then many of these shops have opened, but I didn’t want to invest 80 hours a week into a frozen yogurt business.

Market Positioning

So you have an idea that aligns with who you are, and you have come to understand the nature of the small business market place, how are you going to position your product or service? How are you going to meet the needs of the customer? The answer is somewhat laid out above, but because of the nature of the small business market place you will need to become a high quality, quick turnaround company. Small businesses have the advantage in small volume custom areas. Your competitive advantage will be your ability to cater to the specific needs of your customer. As a small business you have no business competing on price.

Margin

You are your business, and chances are you do not have much capital behind you. This means that achieving a positive cash flow situation as quickly as possible is key. Cash is king and without it you don’t have a business. The upside is small volume high quality work demands top dollar. That’s right, by being a small business you are competing in a large margin arena. The mark up on your products and services can and should be high. The market will let you know when you are too far out of range, but a healthy profit margin is to be expected with small businesses. Individuals that fail to understand this begin to lower their prices in hopes of gaining some sales but what they don’t realize is they are diluting the market and putting themselves out of business. So, don’t be afraid to charge for your work!

Growth Strategy

The last thing I will mention for those looking to start a small business is that a growth strategy is imperative. You need to have an idea of where you are going if you ever expect to make it as a business owner. By nature small businesses should only remain small for a while, if you company is not growing it is dying. Markets mature, customer needs mature, and guess what… your business should also be maturing. Knowing where your business is headed will allow you to take the appropriate measures today to set up for tomorrow’s market. A growth strategy can be vague. You don’t need to define every variable, but you should use your intuition to determine where you should position your company.

If you are planning on starting a small business understand it is a lot of hard work and there are no rules. There is no one telling you what to and not to do, you will be responsible for your success or your failure. You must be persistent and willing to invest more of yourself than the next guy in line. If it were easy everyone would do it, but because it is demanding there are only a few to compete with.

Would you sign your name to a multi-million-dollar contract for the company for which you work without an attorney first looking it over? Probably not, because it is your fiduciary responsibility to ensure there is no adverse language in the contract. Yet, we do it for ourselves all the time.

Years ago when I enlisted into the U.S. Navy, several of us were in the same room to sign our enlistment contracts with the government of the United States. Afterwards, we would together go on to the next phase of the enlistment process. Everyone had signed their contracts without reading it and they were grumbling, because I would not sign my contract until I had read every word. The contract was many pages in length and lots of small print. After one guy was a bit too aggressive in his complaints of me making them wait, I quietly looked him straight in the eyes and said, “You signed your contract without reading it. Did you know that you have agreed to jump off the end of a naval ship into the ocean amidst a ring of fire?” The guy laughed and said the contract did not say that. The senior chief, who was supervising us and in the room, said the contract did say that. While everyone else went green in color and looking ready to throw up, I finished reading the contract. You could say that jumping into a ring of fire in the ocean from a very big naval vessel might be construed as “adverse language” in a contract.

Signing purchase agreements for real estate is no different; yet, many people sign them every day without reading them, much less having an attorney review them.

The average home will cost you a long-term commitment upwards of $135,000 — much more in the San Diego area. You are going into debt for a large amount of money over a long period of time. It is important to have a real estate attorney review such a contract, as it is for creating any other contract.

A real estate attorney will tell you if the purchase is advisable, if it should be modified to protect you if the transaction goes bad, if it is legally binding as written, and whether there is any adverse language in it. You should be protected against any contingencies and possible outcomes.

The services of a real estate attorney may cost $200 or more to review the contract. Though many realtors assist in this capacity, a real estate attorney is more knowledgeable and experienced, ensuring you get the best advice. That same real estate attorney can represent you in court, where the realtor can only shrug his/her shoulders and, maybe, offer an apology. Additionally, the real estate attorney can prepare all needed real estate documentation, including warranty deeds, title opinions, and documents to clear any title defects.

There are times when having a real estate attorney review a contract could cost you the deal — you could be up against another buyer, who wants the same property and the seller will not wait for the review, which the other buyer is not requiring. In such a case, only sign the purchase agreement after adding the clause: “Subject to review and approval by attorney of buyer’s choosing.”

Remember, once the contract is signed without a contingency clause, it is too late for redress. At that point, a real estate attorney can only advise you on what you have done and little else. The time to hire the real estate attorney is before you sign on the dotted line, not afterward.

When starting a new business, there are numerous signs that can indicate whether you’re succeeding as an entrepreneur or aren’t. A small business can be risky. This is particularly true if you specialize in a niche that bigger companies already excel in. However, if you display some particular qualities, it’s a sign that you’re doing a good job to stay afloat.

That’s because small business owner who have a positive attitude towards success are the most likely to get a taste of it than his counterparts. Their counterparts focus only on stability and nothing more. While business success has a lot to do with your initial idea and how you build upon that idea, it still depends on your personality and capabilities. Here are the few signs of a successful small business owner that you should develop as part of your personality.

You Like To Form Collaborations

Most successful entrepreneurs display this common trait. They understand the importance of having a well-connected network in the business world. Nevertheless, just like in every other change, collaboration needs to start from within your business. This means you’ll need to start delegating tasks effectively. Another crucial part of this is building good relationships with everyone on your team. This includes your employees and suppliers.

Of course, you also need to establish a position in the network of small businesses. It’s unwise to act alone without any partners. You needn’t form friendly relationships with your competitors. However, at the least, you should be on good terms with other small businesses that complement yours. By obtaining a position in the community of other businesses, you’ll be able to create new opportunities that can benefit others. Moreover, others can do the same for you. What results is a beneficial support system that allows all members to rely on one another.

You Have Your Eyes Set on the Future

You never know what the future holds, especially if it’s for something as volatile as a new startup business. That’s why successful entrepreneurs share a common characteristic of looking towards long-term future goals.

Some struggle to stay afloat amidst a rocky economic climate, and such desperate conditions can lead to business owners not looking farther than the near future. Such thoughts are understandable, but think of it this way; acting upon well-structured long-term goals at the same time as day-to-day tasks can ensure far more than financial stability and simple peace of mind.

Your Leverage the Benefit of Technology

Nowadays, when it comes to operating a small business, it all comes down to incorporating the use of technology, whether in marketing, management, or everything else. Technology and software have made it easier for entrepreneurs and small business owner to meet their goals, and now with services like Google AdWords and personal assistants, functions have become much more streamlined than ever before.

Take websites, for instance, they’re a business’ online identity and that’s where most potential customers will go to check whether your brand is legitimate or not. Then comes social media, which is a useful marketing tactic that produces results without requiring you to spend too much of your ad revenue. Then there are other business-related applications like customer support live chat software, fixed responses for keywords and budgeting tools that boost your productivity so you can focus on product quality.

You Love to Learn

You’re never ready to run a business until you’re prepared to improve yourself by learning from others. You may be determined to make it through with a method involving trial and error, but that costs precious resources; you need to start learning from others’ success and failures. Data is the most powerful weapon that a business can possess because it helps you discover trends and important details.

If you aim to learn about what strategies lead to profitable ideas and which ones are just downright terrible, you’ll be able to devise a solution of your own. The best way to fulfill your curiosity is to read and look into insights regarding management, marketing, customer satisfaction, and product quality. Archives can provide you with numerous researches and surveys conducted by different companies. While it isn’t necessary that the results apply to your business, you’re still bound to learn something.

You Don’t Just Think; You Act

While we’re at it, we might as well establish that being a smart business owner doesn’t mean that you’ll never have to take risks; it’s merely the ability to take risks with confidence. One sign that your business will soon see the light of success is that you don’t just think, you also act when the time is right. This sign is associated with the confident ability to make good decisions, even if they’re risky.

It’s true that before you put any plan into action, you need to examine it carefully all the way through. However, if you become stuck on the evaluating stage, you’ll miss your chance to implement your idea. That’s why you should have some faith in yourself and build confidence in your abilities to make a good decision.

The process of colouring, by applying fabric dyes to loose fibre, thread and fabric are called fabric dyeing. Being carried out for thousands of years, it has experimented in many different ways until today, and good results have been obtained. At the present time, Viktoria Fabric Dyes, which is one of the biggest brandmarks of fabric dyeing, suggests 3 different styles of it. These are; Bucket or Sink Method, Boiling Method and Washing-Machine Method. These methods will be explained in the following passages.

I. Bucket or Sink Method
• This fabric dyeing method is carried out by filling a bucket or a large container with water or occluding the drain of the sink; so as to fill it with water.
• If the operation is carried out somewhere out of the sink; the cover should be spread so as not the water to flow out.
• Before starting this fabric dyeing operation, the sink or the bullet should be filled with 60 C hot water, as the experts advise, and the powder fabric dye should be dissolved with hot water in another container.
• If the colour is too light, a little bit more dye should be added, but if it is too dark hot water should be added.
• The dissolved dye should be poured to the place where the water is and should be stirred for a while.
• After being cleared of all of its stains, the object to be dyed is put where the dye is, by being wet, and water and the dye are stirred for 10 minutes, without giving a break.
• The fabric that is kept in the water for at least half an hour and mostly for an hour, is taken out of the water when decided that it has the expected colour.
• Just after dyeing, Fiske fabric dye stabilizer is applied in accordance with the instructions.
• You should then rinse the dyed fabric with cold water. After this, wash your fabric with warm water and a soft detergent; rinse it and dry it. After getting dried, your fabric will have the expected colour.

II. Boiling Method
Boiling is another method used for fabric dyeing.

• A large pot in which fabric can move easily is filled with water and this pot is put on the cookstove. The cookstove is switched on and when the water begins boiling the dye is added into the water.
• The object to be dyed is wetted and thrown into the water.
• The object to be dyed is put where the dye is, by wetting; after being cleaned of all its stains. It is stirred in the first 10 minutes without giving a break.
• After this step, rinse the dyed fabric with cold water. Then, wash your fabric with warm water and soft detergent, rinse and dry it. After drying, your fabric will have the expected colour.

III. Washing Machine Method
You can easily dye your fabric with washing machine fabric dyeing method.
• The temperature level of the washing machine should be fixed at the highest level. Also, the time setting should be fixed in a way that the machine will operate at least 30 minutes.
• The fabric dye is melted completely by stirring it with hot water in a plastic pot. In it, 1 teaspoon of washing-up liquid is added.
• In another pot; if cotton or linen is being dyed, salt should be dissolved in 4 glasses of very hot water; and if silk or nylon is being dyed, a cup of vinegar and 2-4 glasses of hot water should be blended(mixed( together.
• Firstly the dye, and after that, the vinegar and salt are spilt into the detergent box of the washing machine and it should be switched on.
• After the machine stops, the dyed fabric is washed one more time with warm water and it becomes ready to use.

This past September (September 1st to be exact) I was in a wheelchair in an emergency room with a fractured knee cap that occurred in a moment of fully lucid but impaired equilibrium. But here’s the good news: the bottle of beer I was carrying remained unscathed. No shattered glass or a drop of foamy goodness was lost. (That takes talent!) I should have known better than to imbibe in the second bottle of brew but as the saying goes, “What the heck. I was having a good time.” Even better news: the white jeans I was wearing survived without a mark or tear.

Have I learned my lesson? Yes, of course, I have. I’m not a dumb bunny. I no longer drink beer. I now drink white wine. Best of all, my sense of humor remains intact.

After a long wait in the emergency room, I was wheeled into a room by an attendant who thought I was his “sweetie” and waited some more for a nurse (or anyone) to appear. My daughter and son-in-law were standing behind my chair when a nurse arrived. Then the fun began. As if I was not there, the nurse asked my daughter for details about how my injury occurred.

I was thinking, “Why isn’t the nurse asking ME those questions. It’s MY injury!” Irritation gnawed at me until I finally swung the bulky chair around to face the nurse, hitting a few cabinets in the process. (I should have turned the chair before she entered the room but the space was small.) In a calm, polite tone of voice, I said, “Excuse me, I can hear and understand everything you say and I can answer all your questions. You can speak to ME. I’m not senile.” And I smiled.

The poor woman was taken aback. No one had probably spoken to her like that before. After all, she was just applying the accepted protocol for dealing with an old/older person – it’s a cultural thing, a “given” – white hair equals incompetence or senility. In her eyes, she had done nothing wrong. I knew that and that’s why I intentionally spoke to her in a calm, polite tone of voice.

Old people get used to and even expect (but don’t like) to be treated as if they don’t exist or are incompetent. It’s a societal assumption that old people can’t think clearly or remember much and they can’t hear or understand if you speak too softly or too fast. After all, most old people are senile or close to it so you have to be patronizing and deal with them as if they are children. Really? REALLY?

Not all old people are on the brink of senility – most are not even close. Mature people function quite well if they are spoken to with respect and treated with the assumption they are competent. If they are mentally impaired, acknowledge their existence and treat them respectfully.

Let’s get to the elderspeak element of the “old people are invisible” syndrome which I already experienced before I became invisible. It is beyond annoying and disrespectful. Here is an unrelated example, but typical of the elderspeak iceberg:

My sister and her husband were dedicated runners. They were “mature” – not teenagers. On their daily run around the community and their neighborhood, neighbors, sitting on their front lawn, many with a can of bubbly in their hand, yelled to them as they flew by, “you guys are so cute!” Was my sister angry? You bet. Please don’t call mature persons “cute”. A six-year-old child is cute. To call an elder “cute” is as demeaning and infantilizing as it gets.

Here’s more: If you are a healthcare worker, a mature female patient you just met is not your “sweetie” or “honey”. Terms of endearment are appropriate only when there is a romantic relationship. Egads! What a revelation! An old person in a romantic relationship? [gasp!] That’s disgusting! Really? No, it’s not. Oh, one more thing: Do not call me “young lady”. It’s patronizing, demeaning, condescending and disrespectful. (Okay, okay, I’m being overly sensitive – and grumpy.)

If those in authority call you cute or utter another term of endearment, it’s tempting to want to haul off and smack them into reality, but don’t give in to the temptation. Turn it around on them and tell them how cute they are, and what a sweetie pie they are for telling you how cute you are. Be sure to smile as you do it. Take note of their flustered or confused reaction.

When it comes to investigating Medicare options, many personal financial educators refer individuals to the Medicare.gov website. The official U.S. government website for Medicare is, without question, the most comprehensive of informational portals.

But it can be overwhelming. Especially for the 11,000 men and women who turn 65 every day and first become eligible for Medicare. For most, the terminology is tantamount to learning a new language. Medicare health care plan options are more complex and varied than most are used to.

And, there are some important things the government website doesn’t tell you. For example, it fails to clearly point out the importance of your first plan enrollment. Nowhere on the website does it say that the Medicare plan choice may be irrevocable.

Nor does it really explain what questions to ask before choosing a plan. The Medicare.gov does a great job of offering impartial comparisons, such as premium rates. But when it comes to subjective elements, these are something the website can’t obviously address.

Anyone who has been Medicare eligible for a few years will tell you that selecting the right Medicare plan is not easy. In fact, some industry estimates find that between 25 and 40 percent of people switch after making a choice. Navigating the complexity is especially hard when you are first eligible for Medicare. That’s more so if your current or prior healthcare coverage consisted of a few options pre-selected by your employer or trade union.

One of the Medicare.gov features is the appearance of being able to directly connect with an insurance company. And while it’s logical to think that ‘buying directly’ is going to be better and save you money, it’s simply not true. Quite the contrary. It could be a significant and costly mistake.

The following are things to consider when using the Medicare.gov website as shared by the American Association for Medicare Supplement Insurance, a national advocacy and educational organization.

1. Medicare.gov is much easier to use for Medicare Advantage (MA) plans. But that is just one of the options available to you. It may or may not be your best option. For those who prefer to see any doctor or specialist, only a Medigap plan offers that option. For those who travel or spend time in another state, a Medicare Advantage might not cover you outside of your primary area.

2. The Medicare.gov website doesn’t make it easy to understand things that matter such as in-network, out-of-pocket costs, drug plan coverage, coordination with Veteran’s coverage and Medicaid. “In Network” matters if you decide a Medicare Advantage plan is best for you. Knowing which local doctors, hospitals and especially specialists participate can be tricky to find on your own.

3. Medicare.gov’s Plan Comparisons seem very detailed. But they miss some important information that’s vital. For example, the decision you make when turning 65 could be irrevocable. Switching Medicare plans is not always possible. Medicare.gov does not tell you what’s possible if you don’t like your choice or when your chosen plan changes. These are all very important things to know before locking in a choice.

4. Medicare.gov’s Plan Finder prescription drug search can be confusing for those taking multiple medications. It’s especially important for the millions who take insulin medications.

5. Medicare.gov lists Medicare Advantage plan ancillary benefits (vision, dental, etc.). Unfortunately, there’s little detail of specifically what’s covered in terms of benefits and service providers.

Buying direct from an insurance company such as UnitedHealthcare (NYSE: UNH), Aetna (NYSE: AET), Cigna (NYSE: CI), or Humana (NYSE: HUM) — several of the leaders – or calling an 800-number may or may not be your best option. Is the person on the other end of the line a captive agent for the particular insurance company? Do they get some incentive for touting one particular plan over another?

Comparing Medicare plan options is always your smartest move. A local Medicare professional who is knowledgeable in local options including Medicare Advantage, Medicare Supplement and prescription drug plan choices can be a well spent hour. Today most insurance agents will arrange an online meeting to discuss options and answer questions.

A national online directory listing Medicare insurance agents is offered by the American Association for Medicare Supplement Insurance. Access is free and private, unlike most websites that require you enter information before displaying results. Whether you are turning 65 or just have Medicare insurance questions you want answered, it’s a resource worth knowing about.

That local expertise and experience comes at no cost. And, the same plans that are available online or available directly from the insurance company can be sold by an agent appointed with the particular company. Perhaps most important, it’s available for the very same cost.

There’s been a lot of talk on Social Media about the safety of preservatives these days and that’s a good thing! There is unfortunately a lot of misinformation as well. Let’s set the record straight!

Any product that is made with water requires a preservative. It’s to prevent bacteria, mold, fungus or other critters from growing in the product. Preservatives are needed to prevent contamination. Let’s talk about the preservative, Phenoxyethanol, specifically.

It rates a four on the Cosmetic safety database (0-10 scale, and four is measured at its most concentrated and isolated level, which means it’s not measured in a product). Pretty good, considered most other preservatives are measured at around seven or higher.

So let’s put it in perspective. Penoxyethanol is approved at 1% in products (Canada, Japan, and The European Union). When you consider toxicity is relative to dosage, 1% makes this is a very low risk. (Look at your label, and your preservative should be the last item on the list. Ingredients are listed in order of percentage, from the highest to the lowest. So the last ingredient on the list basically means it is the one at the lowest amount in your product).

It is also important to know how to decipher the information you read about. It’s sometimes easy to panic when you see a list of warnings, restrictions, numbers on scales, and jump to conclusions.

Penoxyethanol is a safe preservative that is approved for use at a very low dosage percentage (1%). Think of it in a 240ml/8oz bottle of lotion, for instance. At 1%, it is not a lot of preservative in your product.

Certain chemicals on their own can be concerning, but when combined are harmless. Let’s use the example of Lye. Horrible stuff on its own but mix it with water and oil and it creates soap. Add Olive Oil and you now have a soap gentle enough for children!

And.. be aware of those who might suggest that “if you can’t pronounce it, it shouldn’t be in your skincare. After all, Penoxyethanol is certainly not an easy word of the toung; but as we have disussed, you are better off to have this in your “Natural” or “Clean” skincare, than to put up with the many other chemicals available and so often utilized.

Finally, read your labels, ask questions and remember… Just because there’s a recipe on the internet for a great body scrub, it doesn’t make everyone a chemist.

Digestive health is easy to maintain, and you don’t need laxatives to maintain great colon health. Learning what your best proteins are, and combining them in your genetic zone of eating, you can keep being happy healthy and IBS free,even through old age.

Taking laxatives is dangerous for your health. Removing electrolytes from your body can damage your brain and cause seizures. Suppose you are driving and have a seizure. This could take your life unnecessarily.

Taking laxatives can have a rebound effect on your small intestine and colon. Your small intestine cannot absorb the nutrients your body needs, and the colon will stop working naturally, when it is being told when to work. This can lead to a damaged colon which has to be cut out and attached to your stomach with a colostomy bag to the outside for waste collection.

Taking laxatives causes your kidneys to shut down. When you remove all the water from your body through your colon, there is no reason for the kidneys to work, and they can shut down, causing you to have to go on dialysis.

Lastly, taking laxatives, can damage your heart. The electrolyte balance must be maintained for healthy signaling and rhythmic beating. Removing all the electrolytes from your system damages this delicate balance.

Learning how to fine-tune your eating for your best digestive health, starts with a book to learn which proteins work for your genetic blood type. Next learning which zone will work for you can be done by a simple genetic test. Are you low carb, or low fat. Are you balanced, or Mediterranean? Do you feel better eating protein, or vegetables?

Do you have any genetic aberrations, that could cause you to need additional nutritional support is another thing the simple genetic test will tell you. 40% of the population has MTHFR and eating the foods you need to support this condition will keep your colon clean and you happier and healthier.

Depending on supplementation can cause problems, because over supplementation, can cause a buildup of folic acid in the system, leading to cancer or an auto immune disease.

Learning how to manage your portion sizes, so you can help your colon heal. You may then learn how to maintain your best aging weight as well as keep your colon happy.

A happy balance of proteins and vegetables, for lunch or dinner.Fruits and fortified cereals with almond milk or fruit with yogurt or quinoa. You pick what you like best.

Learn which proteins are best for you, and which to avoid. Being open to change helps, because change is necessary to keep belly fat off.

The free newsletters, where you can get free coaching, and learn how to fine tune your eating.