Depersonalization Relief Through Nutrition

Nutrition is a far greater part of the recovery process than one can imagine. Foods reflect your moods and when used correctly allow one complete control over how they feel. From the moment you arise in the morning until you go to sleep at night, there are food choices which will determine how you will feel.

Morning foods should provide energy and vigor rather than bog you down. Instead of fueling the fogginess they should crack through the haze and boost your concentration levels as you begin the day. Caffeine is not required to achieve this morning energy response. There are other natural food choices that help blast through the fog.

Here are a few suggestions to combat early morning feelings of brain fog:

– Avoid all sweet and refined boxed cereals at all costs. Pancakes and waffles are also not recommended unless whole grain and accompanied by a protein.
– Get up, get dressed and get out … walking past the brain fog after a nutritional meal helps awaken mind and body.
– Watch your thoughts and stop scaring yourself with "what if" thinking.

The best choices for an energy provided breakfast is as follows:

Breakfast Suggestions

Eggs (prepared in any fashion you prefer), along with whole grain toast or turkey bacon, and warm decaffeinated beverage.
Oatmeal with low glycemic fruits (blueberries, cantaloupe, strawberries), and one egg or protein powder.
Natural peanut butter on whole grain bread with fresh berries or melon slices and decaffeinated warm beverage.

Never skip breakfast and always have this meal within 30 minutes of rising in the morning.

Lunch Suggestions

– Dense / Solid Protein such as chicken, meat or fish with a whole grain bread or salad side. (no sweet dressings).
– Salad with Protein (chicken, fish or meat).
– Soup with vegetables and protein (chicken, fish or meat)
– Grilled Cheese on whole grain flatbread with unsweetened beverage.

Dinner Suggestions

– Lean Protein (Chicken, Meat or Fish) along with Potato and Green or Yellow Vegetable, Salad.
– Whole Grain Pasta with Protein and Salad or Vegetable.
– Mediterranean Salad with Seafood and Lemon Dressing.
– Chili with Shredded Cheddar and Caesar Salad.

The above suggestions are a minor outline (which is more detailed in our program package), and can be used as a guideline for foods that will allow clarity and peace of mind. They fuel your energy without adding to feelings of anxiety and depersonalization.

Never go more than 4 hours without a meal. Snacks are fine but you'll find unnecessary if your meal satisfies you.

Suggestions for Snacks:

-Hummus with carrot or celery sticks.
-Natural Peanut Butter and Blueberries on whole grain toast.
-Hard Boiled eggs and Cheddar Cheese. –
-Whole Grain Cereal and Berries
-Fresh Fruit with Cheese or Nuts (nut butters)
-Yogurt and Fresh fruit.

Remember that food is fuel and when the proper nutrition plan is followed it will allow one full control of how they wish to feel. You are always in charge when applying the correct choices and following the proper steps.

The above are only a few examples of how you can use foods to change the way you feel. The combination of this nutrition plan and the proper behavioral modifications will change your life. They will help you maintain balanced blood sugar levels and naturally boosted Serotonin (the feel good chemical) in the brain.

The foods you often crave are often the exact foods that fuel this condition. Choose foods that are low in sugar and do not metabolize into sugar, such as refined white flours, pastas and simple sugars. If you must have a sweet, do it directly after your meal. The goal is to keep stable blood sugar levels and balanced Serotonin in the brain. By following this food plan you will feel happier, more secure and less reactive to outside stimuli.

This is a very specific nutrition plan and must be strictly adhered to in order to achieve results, but well worth the effort. The Behavioral Modification steps are also to be followed precisely to achieve complete success.

This is the combination and path to full and permanent recovery from depersonalization and anxiety. The results will give you back your life as you achieve full clarity and a true sense of well being.

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Culinary Arts and Nutrition

Imagine yourself in a room full of tempting food, jellies, chocolates, pastries, cakes, pizzas and much more mouth watering dishes. Slurp … I know by now you are too tempted to get to the market and buy yourself a nice, juicy burger, coke and an ice cream tub or are ready to order a pizza, rather than reading.

Just for a moment think of the chefs who stay in the kitchen all day long that is loaded with scrumptious cuisines giving out such enticing and alluring aromas. It must be really tough for them to resist the delicacies they prepare for their customers. One the other hand, if they start tasting every dish they prepare it will be extremely tough for them to sustain good health.

It is said, 'People judge a book by its cover', and the same applies to a cook too. A healthy and fit chef ascertains us that he is health conscious and knows all about good and rich cooking. This might not prove true in all cases; some guys do not have such luck. There are many professional chefs are surrounded by buttery carbohydrates, rich sauces, creamy puddings and fine succulent meat but are thin like a Cornish wafer.

The roly-poly chefs that we were accustomed to once, are replaced by much more disciplined, controlled and healthy chefs. There was a time when a thin chef was not trusted but today the scenario has totally changed. The more lean and fit a chef is the more energetic he will be. A chef should be prepared to bounce around the kitchen in order to do everything just right.

Being a chef, it is important to taste every dish and every dessert prepared to ensure it is delicious. In doing so the fats keep on settling on the stomach, in turn making you fat. To avoid this, it is better to take small mouthfuls in intervals. Small meals ensure better metabolism. Some chefs believe in drip free food and indulge in raw fresh fruits, raw vegetables and much water. They also avoid any sort of meal in between lunch and dinner. Lastly, a good 20 minutes walk each day. In case you do feel hungry at night, eat a bowl of cereal.

A chef is however known for his skills in cooking and preparing meal yet his physical appearance and nutritional habits also play an important role. Not only does it attract more customers for him but is also important for his own good.

Nutrition is also an important aspect of cooking delicious foods. And chefs are not an exception to this rule. While pursuing their education in the culinary arts, one of the subjects that these aspiring chefs study is Nutrition. Here, they learn about the amount of nutritive elements present in each ingredient – and how to analyze and determine which foods have how much nutritive value.

No doubt, this knowledge goes a long way in helping these chefs create delicacies that are not only tasty but also healthy for their customers.

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Let Your Body Do The Talking Through Nutrition Response Testing

At its most basic definition, nutrition response testing is a professionally administered battery of tests in which answers to health questions and ailments are sought via the body's central nervous system. By manipulating the body by way of individual positioning, movements, and other manipulation techniques, the practitioner can then record nervous responses and draw certain conclusions from them. Each response is associated with a particular problem or ailment within a particular part of the body and can thus be interpreted as actionable health suggestions and change.

Administration

Anyone can easily become concerned at the thought of tampering with the nervous system, but this type of test is quite simple and just requires the physical manipulation by the practitioner upon the patient. There are no machines, electrical currents, or adverse effects to then be concerned with. In fact, the patient is sure to be tougher on their body on a typical day than the test practitioner would ever come close to during these simple manipulations.

How, Why It Works

So, how exactly does it all work? To get down to the science of it, one must understand how the central nervous system works. When certain movements or actions take place in a limb or other body part, the nervous system immediately runs its myriad of reporting and communications relays throughout the system. These interactions take place by way of neurotransmitters, axons, neurons, and dendrites all working in tandem to assess and communicate the current events to the brain and body alike.

Essentially, the nutrition response testing practitioner will manipulate certain parts of the body, record the nervous responses that are noticed, and draw subsequent conclusions from that gleaned information. The test can be administered in a broad sense so as to provide a sort of whole-body check or in a more accurate area of ​​focus or concern. The patient is then able to take this information and advice and apply it to their daily habits in nutrition and personal activities.

A Sample Outcome

To get a better picture of the process, let's take a look at a hypothetical patient and health dilemma. Jack is a middle-aged man that is experiencing energy-drain and exhaustion like never before in his life. After checking some other areas to no avail, he consults with a Nutrition Response Testing Practitioner.

After going through the test, he is made aware of a specific trace mineral that his body is now lacking and needs more of than most others. He then goes on to try supplementing this mineral into his diet, and sure enough, the problem quickly diminishes. If not for this particular testing method, it's unsure if Jack could have ever truly discovered this issue by other means, medical or personal.

Finding The Right Nutrition Response Testing Practitioner

The NRT practitioner should be a medical professional that is well-versed in nutrition, the nervous system, and physiological responses in general. When choosing the right practitioner, ask questions to be sure that they are a good fit for this new healthcare alliance being created. Most importantly, find out their level of experience in this area as well as their abilities as they pertain to your particular medical concern.

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Getting Relevant Traffic to Your Finance Website

You want to generate traffic to your financial website. That's understandable. Who wouldn't want that? After all, without traffic, you won't be able to gain traction with your site or blog. The truth is, getting traffic to your website is easy. Within a day or so, you can get floods of traffic.

Which would you rather have, 100 people who visit your website looking for quality finance-related information, or 5,000 average schmoes who won't know a stock symbol from a hieroglyph? It's likely you chose the 100 relevant visitors.

Perhaps you can brag to your friends that your website got 5,000 visitors. But, bragging rights do little to build a long-term financial website, one where people revisit often. That is a true test of a successful financial website (or any website, for that matter), how many people return! How many people sign up for your newsletter? And the truest "litmus test" is how many people buy products or services from you?

How to Get Relevant Traffic

Before you make your fingers bleed writing a bunch of useless articles or blog posts on your blog, take a step back and ask what you want to accomplish with it. What are your goals for your website? You should not proceed without having this basic information formulated. Otherwise, you'll be shooting in the dark, randomly selecting topics that won't make much of a difference towards generating any traffic, let alone targeted traffic.

After you have a grasp on your goals for the site, ask yourself who do you want to visit. You will read about phrases such as customer avatars or targeted customer, etc. Whatever it's called, it's a way to determine the demographics of your website.

You can get this information by checking out who visits your competition. Look up a competitor's Twitter profile and visit the Twitter feed. Find out who is following that company or website. Those people are part of your target market. You can do this same exercise with any social media platform.

Don't get too hung up on the demographics. You can refine the process later. Just get a get initial feel for who you believe would be the best target audience you want visiting your website.

Is the Financial Blogosphere Too Competitive?

There are thousands upon thousands of financial websites and blogs in existence. In another year, there will be thousands and thousands more. It makes you wonder if it's worth it to continue with maintaining a finance-related website.

Here's the good news. Just because there are thousands of websites dedicated to financial topics, most of them are junk. These websites contain sales pitches, or they contain garbage content that drives visitors away. If you can rise above this trash and give readers what they want, you will open the floodgates to not only traffic but beautiful, targeted traffic. It's the kind of traffic bloggers dream of, but most fall short of getting.

Creating Great Financial Content

To keep yourself away from the digital riff-raff, you need to create content that wows your readers. That is essential. Otherwise, your finance site is going to be just like the rest, lost in the virtual abyss!

The big question of the day is how do you create great content? It can't be just good. It has to be great. Now for some bad news – it won't be excellent when you first get started. Let's face it; most people aren't good writers or content creators. It takes practice just like anything else.

One way to come up to speed quickly with content creation is to emulate what the top bloggers are doing. This does mean copying them word-for-word. You want to get a sense of the tone and style of their websites and tailor that to your own style.

What About Keywords and SEO?

Bloggers are all-too-familiar with the terms keywords and SEO. Keywords appropriately mean what keywords will your target market use to find the information they are looking for. SEO is a bit trickier for the uninitiated. It is an acronym for Search Engine Optimization. It's techniques which are supposed to help the search engines figure out what your content is about.

The biggest problem with both of these concepts is they change all the time. The Master of the Search Engine Universe (Google) changes these rules as do the other less-significant search engines. What worked two years ago can put your website into search engine neverland.

One underlying concept that has withstood every change search engines make is quality content. In other words, don't worry so much about the keywords or SEO. Just write from the heart and do it consistently. Write what you believe will be of value to your readers. Nothing more!

Another common tactic is to get other bloggers in the finance world to guest post on your blog or website. Preferably, you want to choose people who are rising in the ranks of influence. Although these influencers are competitors, the web works best when everyone works together to give the readers the best value possible. Everyone wins when this happens, even all the participating competitors.

If you don't have time for content creation but still want to generate quality traffic to your website, consider outsourcing the task. You may have to go through a few outsourcers to find ones who will do a great job for you. But, once you find them, as long as you are willing to keep them happy ($$$), you won't have to keep looking for them.

On this note, don't skimp out on price when looking for a quality writer. They are qualified for a reason. If you bottom fish, you will constantly be looking for new writers. When you find a good writer and pay him or her a lousy rate, it won't take long for him or her to find another client who pays better.

It's worth it to pay up for your writers. When you give them what they deserve, and you are fair to them, you have them for life. You will get a return on that investment by growing the right kind of audience for your financial blog.

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How to Earn 6-Figures in Holistic Nutrition

Does this story sound familiar to you?

You graduated from nutrition school totally jazzed about building your holistic nutrition practice. You thought you had all the pieces in place for a successful nutrition business – the counseling program, the website, the business cards, the brochure, and the fire inside to spread your message about holistic health and nutrition. You're doing workshops, meeting referral partners, launching events, and coaching clients … you're working your butt off! And yet you're almost dead broke.

I know your story, because I had the same experience!

Until one day I realized …. why waste your valuable time and money building your practice using unproven strategies and trial and error, when it's possible to discover the biggest mistakes – and the most effective strategies – of Holistic Nutrition Professionals who have careers that Are already thriving?

I mean, how much money and time could you save if you could analyze, understand and MODEL real-world, profitable holistic nutrition practices?

With this in mind, I interviewed ten top holistic nutrition pros to discover EXACTLY how they built their booming careers. And I learned that there are three keys to success in holistic nutrition.

1. Passion

Most holistic nutritionists got into this career because they had a personal experience with nutrition that utterly transformed their own lives. They have a deep, burning conviction in the transformative power of nutrition, and a driving desire to help other people experience that transformation.

2. Persistence

Would you believe that even Dawn Jackson Blatner, author of the best-selling "Flexitarian Diet" and featured nutritionist in magazines and TV shows all over the country, was turned down over and over again for almost every job she got? Even this brilliant and gifted nutritionist, who has made an indelible mark on the industry, had to push past "NO" a hundred times.

Kathie Swift, Dr. Mark Hyman's featured nutritionist in "UltraMetabolism" had to spend years convince top doctors about the benefits of nutrition and functional medicine before she could help create the now world-renowned nutrition and medical programs at Canyon Ranch Spa and Resorts.

These trailblazing holistic nutritionists had a driving passion for their work, and they simply didn't take "no" for an answer!

3. Passive Income

There is no doubt about it – the most successful holistic nutritionists are able to go beyond the traditional model of seeing individual clients and being paid by the hour. These savvy nutrition pros know exactly how to package, price and market their services, so that they have products and services practically selling themselves when they're asleep, at the gym, or on vacation at the beach!

By leveraging this kind of passive income stream, the top holistic nutrition pros have been able to easily explode their practices into the six-figure mark and beyond.

So what does studying and modeling the careers of successful Holistic Nutrition Pros mean for you?

If you're someone with a passion for nutrition, who wants to turn that passion into a career …

It means that it IS possible to make a great living while doing you love to do, instead of going to a job everyday that drains you.

If you're a practicing holistic nutrition pro, but you're not getting enough clients or making enough money …

This means the difference between getting two clients this month, and getting TEN clients this month.

For both practicing nutrition pros and nutrition-pros-to-be ….

This means the potential to add a ZERO onto your currently yearly income … by helping people transform their lives through the power of food.

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The Smart Woman's Guide to Planning for Retirement by Mary Hunt – Personal Finance Book Review

Money maven, Mary Hunt, returns with a new book, "The Smart Woman's Guide to Planning for Retirement," to help women prosper financially in the New Year and beyond. While geared toward females, men can also benefit from Hunt's money knowledge, honed after she amassed over $ 100,000 in debt earlier in life; and took 13 years to erase.

"Have you had a retirement wake-up call?" Hunt asks early in the book. "I can promise you they intensify with age."

Hunt sites a 2012 survey that found that 92 percent of women of all ages do not feel educated enough to reach their retirement savings goals.

Saving for retirement requires determination and hard work; and Hunt believes women can succeed. "If we lack confidence, it's because we lack knowledge and desire, certainly not because we lack intelligence and ability," Hunt says.

Time trumps all factors when saving for retirement. The sooner you start, the better. But, Hunt emphasizes, regardless of what stage you are in life, you must begin now. "It's only too late if you don't start now. No matter where you are or how little you think you have, start now. Today. Start. Saving." Take baby steps to produce long-term results.

Hunt's teachings feature:

Retirement Savings Plan . Hunt promotes a six-step Retirement Savings Plan, which includes:

Build an emergency fund. Also known as a Contingency Fund. Save money for life's unexpected expenses (car repairs, home repairs, etc.) This money needs to be liquid (easily accessible within two or three days), safe from erosion (build in a risk-free savings account) and able to fund at least six months of living expenses should a job loss or other compromised income event occur.

Get out of debt. Eliminate all unsecured debt (credit card debt, student loans, personal loans). Hunt says they're like cancer stealing your future. Incorporate Hunt's Rapid Debt-Repayment Plan (RDRP) to abolish the debt.

Own your home outright . Buy half as much house as your mortgage approval. Make monthly mortgage payments equal to the full approval amount to own your residence in half the time. Fiercely protect your home equity (the difference between your home's market value and mortgage balance). Avoid taking a home equity loan or line of credit, which resets the clock on a thirty-year mortgage.

Consider hiring a financial planner once debt is eradicated or managed, a respectable amount in savings is amassed, retirement funds are growing, or an IRA inheritance or other cash windfall appears.

Hunt describes three types of financial planners:

  1. Commission-based. This planner does not charge based on time, but by selling investment products. He or she earns commissions on those sales.
  2. Fee-based. This planner works on a fixed fee or charges by the hour. Fees are stated up front and the planner is a registered investment advisor (RIA). They're required by law to meet fiduciary standards, making them responsible for putting the best interests of their clients first.
  3. Combo. This planner is a combination of the first two. Clients pay a fee, fixed or hourly and the planner earns commissions when the client buys financial products based on their recommendations.

Choose a financial planner with at least five years experience Hunt suggests. Ensure they act in your best interests, and can explain financial concepts on your level. Be wary of any planner who claims to be able to beat the market. Ultimately, collaborate with a planner; yet make your own investment decisions. Hunt underscores that, "An advisor's or planner's primary loyalty will be to the hand that feeds her. That is simply human nature."

Hunt educates in a conversational tone, avoiding jargon, charts and mind-numbing data, which makes for an engaging read. A Christian, she teaches faith-based money management. Hunt believes that God is the source of all life's blessings, including money. An employer, spouse, investments, trust account, parents or any other entity are the channels through which money flows, but not the ultimate source. She's making reasonable preparations for retirement without obsession; and trusting God for the outcome.

While having a retirement nest egg is important, Hunt reminds readers there is more to life than money. Health, spirituality, nurturing relationships, staying active, continual learning and volunteering are some attributes of a well-balanced existence.

Decade-by-decade financial planning, the five necessary tools for a money management system, investment basics (automate all payments to avoid not making monthly contributions (out-of-sight, out-of-mind), reverse mortgages, and parents paying for their children's college education (not required), are other money-saving / building topics addressed in the book.

Anyone committed to improving their financial fitness in 2014, will reap life treasures, beyond the bounds of cash, by inheriting Mary Hunt's money practices.

To establish your baseline financial status, and / or monitor your progress, order your free credit reports from the three big credit companies: Equifax, Experian, TransUnion, visit: Annual Credit Report .

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New Book Offers Practical Tips for Achieving Financial Security

In Your Money and You: How to Increase Your Chances of Achieving Financial Security, Deborah Ellis, a longtime Certified Financial Planner (CFP), offers readers a plethora of information about stocks, bonds, saving, investing, allocating your investments, and even individual advice for people in different industries. While the book is full of information, it's also written in a highly accessible manner. Ellis shares her personal stories of how she began saving money as a child and young woman, how her aunt taught her how to invest and buy stocks, and how things have changed in the decades since she began saving. Her personal experiences then branch into her professional experiences with clients and with years of investing in the market.

I know investing can be scary and confusing, but that's usually due to a lack of information or the fear that we won't understand the information. As Ellis shows us, investing is really not that difficult. In fact, anyone who passed middle school math classes can figure it out. What is harder is to learn to save and to break some negative beliefs we may have about money so that we can quit solely working for money and learn to make it work for us. The book opens with a quote from Napoleon Hill, author of the classic book Think and Grow Rich, that states, "If you let it, you will be surprised at how money attracts money." Nothing could be truer, and Ellis shows us how it can be true for all of us. She states, "I believe that today the stock market is a gateway to opportunity in America. I believe it is a way for almost anyone from any walk of life to build wealth and partake in the American Dream." Your Money and You shows you just how to pass through that gate.

The book's opening chapters teach us how to take on a leadership role with our money. Ellis helps us learn how to plan for retirement and what to expect. She walks us through the elements of a financial plan. Then she has us take a financial inventory of where we currently are so we know what we have to work with and what is required to reach our goals. She teaches us how to develop a saving and a spending plan, and finally, how to assemble a team to help us, a team that may include an accountant, a financial advisor, maybe a lawyer, etc. We do not hand over our financial affairs to these people, but rather, we learn to lead them so they can help us achieve our goals. Ellis warns us "if one of your team members has different matters, a bias, or wants you to go in a direction you don't agree with, you need to find another team member!" That's just one example of how Ellis tells it like it is. Another example I love and know is very true is that "If you want to charge something you cannot pay off in full, you cannot afford it."

Next, Your Money and You gets into all the meat of investing. Ellis walks us through the power of compounded interest and how investing over time can benefit us. She explains to us the differences between stocks, bonds, and mutual funds. She clarifies just exactly what the stock exchange and market indices are, and she teaches us how to understand how different companies and their stocks are rated.

Once Ellis makes sure we understand the market, she gets into the more personal aspects of investing. She helps us understand our risk tolerance for investing, how to diversify our assets, and all the various scenarios we might encounter from inheriting money to winning the lottery and, ultimately, how to go about retiring.

The book closes with some chapters for people in special situations, including those in the military, those in industries like film and television where you may go from feast to famine at different times, and those who are self-employed. A bonus section includes several articles on how to achieve financial security.

Your Money and You is the perfect book to get you started with saving and investing your money. Don't put off reading it; it's time to invest in yourself. As Ellis warns us, "money is not static. If you nurture it, it will grow. If you neglect it, you will end up with very little. It is up to you." Furthermore, Ellis tells us "Investing is not difficult. Developing an investing mindset might take a little more effort." Your Money and You can help you develop that mindset, and once you do, your money will begin to work for you so that, ultimately, you will not have to work.

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Merits and Demerits of Equity Finance

Equity finance means the owner, own funds and finance. Usually small scale business such as partnerships and sole proprietorships are operated by their owner trough their own finance. Joint stock companies operate on the basis of equity shares, but their management is different from share holders and investors.

Merits of Equity Finance:

Following are the merits of equity finance:

(i) Permanent in Nature: Equity finance is permanent in nature. There is no need to repay it unless liquidation occur. Shares once sold remain in the market. If any share holder wants to sell those shares he can do so in the stock exchange where company is listed. However, this will not pose any liquidity problem for the company.

(ii) Solvency: Equity finance increases the solvency of the business. It also helps in increasing the financial standing. In times of need the share capital can be increased by inviting offers from the general public to subscribe for new shares. This will enable the company to successfully face the financial crisis.

(iii) Credit Worthiness: High equity finance increases credit worthiness. A business in which equity finance has high proportion can easily take loan from banks. In contrast to those companies which are under serious debt burden, no longer remain attractive for investors. Higher proportion of equity finance means that less money will be needed for payment of interest on loans and financial expenses, so much of the profit will be distributed among share holders.

(iv) No Interest: No interest is paid to any outsider in case of equity finance. This increases the net income of the business which can be used to expand the scale of operations.

(v) Motivation: As in equity finance all the profit remain with the owner, so it gives him motivation to work more hard. The sense of inspiration and care is greater in a business which is financed by owner's own money. This keeps the businessman conscious and active to seek opportunities and earn profit.

(vi) No Danger of Insolvency: As there is no borrowed capital so no repayment have to be made in any strict lime schedule. This makes the entrepreneur free from financial worries and there is no danger of insolvency.

(vii) Liquidation: In case of winding up or liquidation there is no outsiders charge on the assets of the business. All the assets remain with the owner.

(viii) Increasing Capital: Joint Stock companies can increases both the issued and authorized capital after fulfilling certain legal requirements. So in times of need finance can be raised by selling extra shares.

(ix) Macro Level Advantages: Equity finance produces many social and macro level advantages. First it reduces the elements of interest in the economy. This makes people Tree of financial worries and panic. Secondly the growth of joint stock companies allows a great number of people to share in its profit without taking active part in its management. Thus people can use their savings to earn monetary rewards over a long time.

Demerits of Equity Finance:

Following are the demerits of equity finance:

(i) Decrease in Working Capital: If majority of funds of business are invested in fixed assets then business may feel shortage of working capital. This problem is common in small scale businesses. The owner has a fixed amount of capital to start with and major proportion of it is consumed by fixed assets. So less is left to meet current expenses of the business. In large scale business, financial mismanagement can also lead to similar problems.

(ii) Difficulties in Making Regular Payments: In case of equity finance the businessman may feel problems in making payments of regular and recurring nature. Sales revenues sometimes may fall due to seasonal factors. If sufficient funds are not available then there would be difficulties in meeting short term liabilities.

(iii) Higher Taxes: As no interest has to be paid to any outsider so taxable income of the business is greater. This results in higher incidence of taxes. Further there is double taxation in certain cases. In case of joint stock company the whole income is taxed prior to any appropriation. When dividends are paid then they are again taxed from the income of recipients.

(iv) Limited Expansion: Due to equity finance the businessman is not able to increase the scale of operations. Expansion of the business needs huge finance for establishing new plant and capturing more markets. Small scales businesses also do not have any professional guidance available to them to extend their market. There is a general tendency that owners try to keep their business in such a limit so that they can keep affective control over it. As business is financed by the owner himself so he is very much obsessed with chances of fraud and embezzlement. These factors hinder the expansion of business.

(v) Lack of Research and Development: In a business which is run solely on equity finance, there is lack of research and development. Research activities take a long time and huge finance is needed to reach a new product or design. These research activities are no doubt costly but eventually when their outcome is launched in market, huge revenues are gained. But problem arises that if owner uses his own capital to finance such long term research projects then he will be facing problem in meeting short term liabilities. This factor discourages investment in research projects in a business financed by equity.

(vi) Delay in Replacement: Businesses that run on equity finance, face problems at the time of modernization or replacement of the capital equipments when it wears out. The owner tries to use the current equipments as long as possible. Sometimes he may even ignore the deteriorating quality of the production and keeps on running old equipment.

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Competitor Analysis – A Graphic Design Perspective

You probably already know all about SWOT analysis. You might even have your oppositions target demographics, market share and sales figures on hand. But have you ever applied the same type of stringent methodology to analysing your competitors' visual presence in the marketplace? A graphic design audit is a fantastic and relatively easy way to get a clear picture of how your competitors are perceived, what key messages they are communicating and how you look when placed alongside them. It's also a valuable exercise that informs you about the type of communication your customers are receiving on a regular basis from your key competitors.

So how do you do it?

The first step to a graphic design audit is to compile every piece of sales and marketing collateral you can find from the competition. This includes trawling through their website and taking screen grabs of key pages, subscribing to their mailing lists, getting your hands on their brochures, purchasing their products so you can have a look at packaging etc. etc.

According to Peter L. Phillips author of "Creating the Perfect Design Brief – How to Manage Design for Strategic Advantage", one of the best, least expensive and fastest methods is to attend all industry trade shows. There is nothing illegal, unprofessional or immoral about this practice. Business is merely a game we are playing to win after all!

Mr Phillips also suggests using your sales force members to find out what the competition are up to.
As they come into direct contact with customers every day, they can often pick up competitive literature from the customer. They only need to know what you need and of course why you need it.

So once you have compiled the information, what do you do with it?

The best way to start is by putting your competitors' information up on the wall and analyzing them one by one. Invite as many people as possible from your sales, marketing and business teams to give their individual opinion on what design elements are working very well for the competition, and what weaknesses they can see. By starting your analysis on your competitors first, you will build up a bit of objectivity so you can then turn the same harsh critique onto yourself.

Look for ways the design and language make a document unique. Do they have a friendly look and feel that express more personalized service? Do they look more professional than you? Why? Is it because the page is less cluttered, the colors are more toned down or some other reason? Is their website easier to navigate than your own? What do you think their reasons behind these choices were? Is there anything you can learn from them? Most importantly, how are these competitors using design for competitive advantage?

Now for the hard part – using the same analysis on yourself. Reassure your staff that this is not an exercise where they need to defend their work, it is merely a way of gaining useful information that could give you a competitive advantage that improves your bottom line. This aspect of the audit sometimes proves a bit tricky so you might need an independent opinion from a graphic design firm that understands the process to help you out.

It is amazing how much strategic information this process can generate. It will give you new ideas and a fresh perspective that can influence the entire way you approach your marketing for the year. And considering a lot of businesses think of graphic design as an annoying inconvenience, if you are the first to use this more strategic approach you will find it is another tool to help you stay one step ahead of the competition.

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Creakic Review – Can a Medical Student and Patent Sleuth Give a Thumbs-Up?

Creakic reviews are fairly thick on the ground these days, but from what I can see most of them are hype. So I've set out to take a really good look at this new booster, tell you what the manufacturer, MuscleTech claims, and then give you my own review conclusion.

So, first stop is the patent office, and sure enough, just like MuscleTech says, there are two US patents on Creakic. (# 6,136,339 and # 6,100,287)

This is a good thing. Patents cost a reasonable amount of money and there are lawyerer's fees to factor in on top of the government charges. This means the manufacturer of Creakic has had enough commitment to patent his product. He at least has confidence in it and must be expecting the market to accept his product. So it has credibility.

Also, the patents indicate that the supplement is groundbreaking. Patents are taken out on novel, as-yet-undiscovered ways of doing things. So from the simple fact that it has two patents, we can assume Creakic has come out of some careful, distinctive science. Which is also good.

Actually, leaving the patent office and moving to the lab for the next part of the Creakic review, it doesn't take too long to figure out why MuscleTech was prepared to take the patents out.

It is the first, and I understand the only, muscle "receptor hyperactivator"!

My daughter is a micro biology graduate, and is currently getting near the end of her six year medical degree, training to be a doctor. Over the years, listening to her present scientific research papers and talk about her bio and med studies, I have become aware of the importance of receptors. In the case of Creakic receptors are targeted and turned on. The supplement counters the effects of reactive oxygen species (ROS) and makes it possible for gains in muscle size, strength, and performance.

People like my daughter, and serious body builders, have known about ROS for quite a while.

ROS are nasty, toxic molecules which accumulate in your body as things like superoxide anions, hydroxyl radicals, singlet oxygen, hypochlorous acid, hydrogen peroxide and peroxynitrite. And each time a bodybuilder pushes through their training routine the levels of ROS rise. Seems there is nothing one can do about this as they exercise.

The effect of the these toxins flooding the system is to weaken the muscle membrane itself. The basic strength of the structure is affected. So the normal cell-receptor functions, and the signals they send out, are interrupted. Muscle creatine absorption is less then optimal and muscle growth is limited.

For a bodybuilder, of course, this is critical. They will probably welcome a product like Creakic, which can lessen the deadening affects of ROS.

MuscleTech claims that it's new supplement is the only creatine tablet which will counter ROS and set you up with an optimal cellular environment for maximum muscle creatine absorption. That ought to give you maximum muscle growth.

So, what is my conclusion? Will I believe the manufacturer, the patent office and my resident medical student? Will myCreakic review recommend the supplement?

In a word – Yes.

I am cautiously optimistic, because this new product – and only this one – will attack ROS and give you the right cell-level environment for muscle growth. It's backed by science and the manufacturer's commitment is reflected in its patents.

Of course if you exercise you will bulk up your muscles. Even without creatine tables like Creakic, you will get size and strength. You don't need my Creakic review to know this. But competitive bodybuilding is all about those tiny improvements which deliver the better-then-you body in the competition ring. The Muscle Tech supplement gives you the chance to secure those improvements for yourself.

So my Creakic review has ended on the 'recommend' side. Get a few months' supply – and let me know how it works for you.

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