The Life Cycle of Acquisition-Based Companies

A few years ago, I was discussing this phenomenon with the CEO of one of our clients. His company had grown almost entirely through acquisition, and for several years the company had experienced revenue growth rates exceeding 20%. However, the company had plateaued with respect to earnings, and looking at their overall performance it became clear to him (and to the Wall Street analysts that watched his company) that a great deal of money had been left on the table. Working with that CEO, I developed a model called the ACL Life Cycle. Understanding and using the ACL Life Cycle has proven enormously beneficial to clients depending on an M&A strategy for continued growth.

The ACL Life Cycle

The ACL Life Cycle describes the maturation process of companies who grow substantially through acquisitions and mergers. Using the ACL model, we can clearly identify the company’s current position. Knowing that position, and then looking forward at the company’s financial objectives through the lens of their business strategies, the specific actions that are needed become clear. Those actions can then be formed into an executable plan with associated performance measures, and managed through completion to bring the overall enterprise to heightened levels of financial performance. It is important for acquisition-oriented executives to understand the major phases and characteristics of the ACL Life Cycle.

Businesses who have survived one or more acquisitions and/or mergers are usually left with some degree of disintegration among their processes and systems. A company’s success in reaching the financial objectives of the merger or acquisition is directly correlated with the degree to which that disintegration has been replaced by a set of business processes and information systems that are common enough to generate enterprise-wide leverage. Implicit in that commonality is enterprise-level direction and guidance, manifested in company-wide business strategies and performance measures that align all of the combined business units. These businesses move, in this post-acquisition or post-merger environment, from an acquisition-based operating model to one characterized by shared services and a general commonization, to a stage where the enterprise “whole” really is able to become something greater than the sum of its business unit “parts”. It is more than the typical cost-reduction synergy anticipated in most of these transactions; it is a new platform for innovation, and an even higher level of innovation-based leverage.

Companies who experience substantive growth as a result of business acquisitions typically follow the ACL life cycle. ACL in this context stands for: Acquisition, Commonization, and Leverage. Many companies never leave the first stage of this maturity scale, and still more remain at the second stage. The most successful companies are usually those who recognize the importance of moving through all three stages, and consistently implement a structured process for doing so.
All companies experience pressures that push them toward decentralized operations, including idiosyncrasies of specific market niches served, the uniquenesses of isolated business processes, unusual needs of specific customer populations, and Uncategorized organizational entropy. At the same time, most of the companies that are successful in achieving the financial performance objectives established for the newly merged enterprise manage to overcome those challenges, electing to pursue the advantages of leverage, including:

  • broad synergistic brand recognition, enabling cross-selling, bundling of products and services, and improving revenue
  • interchangeability of business process resources, enabling the company to reduce its asset base
  • commonality and scalability in equipment / skills / facilities, facilitating innovation and growth into additional markets
  • higher utilization of business assets, reducing unit cost
  • lower levels of redundancy, resulting in reduced operating costs

These companies also typically find that maintaining compliance with financial reporting standards such as Sarbanes-Oxley requirements are enhanced as a result of strengthened internal controls.
Some companies make a deliberate decision to remain “holding companies”, which simply buy and sell diverse businesses that have only marginal relationships with one another. These conglomerates prefer to manage the portfolio through buying and selling components, and allowing the leadership teams at the individual companies to manage ongoing operations from strategy through execution. A few of them have been quite successful, and this article is sometimes not as directly applicable to those at a corporate level. It works very well, however, for their major divisions. Companies that benefit most from understanding the three stages of the ACL Life Cycle are those companies who have decided to focus on a single core industry – Aerospace & Defense, Automotive, Chemicals and Polymers, Textiles, Electronics, Telecommunications, Consumer Products, Medical Equipment producers, Healthcare providers, and Financial Services providers are all good candidates. 

The Acquisition Stage of the ACL Life Cycle

Companies in the Acquisition Stageof their life cycles are usually focused on revenue growth, and capturing market share. They are characterized by high levels of autonomy in management, in the reporting of site-level data to the corporate parent, and in the design of their business processes and systems. Companies who remain in this stage for long periods of time following acquisitions usually act as holding companies, with the corporation allowing individual divisions or sites to operate almost as independent companies with their own P&L, strategic plans, and market-facing branding. Often, companies in the Acquisition stage lack a common vision of the future of the overall business, and tend to operate at cross-purposes among the operating units. They sometimes even compete against one another for the same customers. They share little operating information, making it nearly impossible to coordinate and deploy “best practices”, effectively distribute work load, utilize general market intelligence, and grasp other elements that could provide corporate-wide leverage of the businesses’ assets and resources. A few industry-specific examples here should help to illustrate the situation:

Manufacturing companies in the acquisition stage are usually characterized by redundancies in raw materials, equipment, staffing, and other business resources. Because manufacturing companies are relatively material-intense, a great deal of cost can be tied up in raw materials, work-in-process, and finished goods. Since acquisition stage companies have so little visibility between business units, there is little opportunity for them to reallocate these assets in order to use them effectively. As a result, the most costly resources remain the most underutilized. In addition, acquisition-stage companies have not centralized the management of even commodity-level business processes, such as finance, human resources, and information technology. This lack of centralization leaves additional inefficiencies in place around accounting staff, employee benefits provider subscriptions, business software applications, data centers, and computing equipment. 

Telecommunications companies in the acquisition stage also have unrealized opportunities for greater leverage from their business assets, but these more often take the form of redundancies in network equipment, network coverage, retail outlets, partner agreements related to the sale of their products, and interconnection agreements with other carriers. In addition, acquisition stage telecom companies often have a substantial amount of unrealized leverage in the lack of integration among the data bases and information of their various divisions that could enable shared service operations for commodity-type processes such as billing and cross-selling of products and services. Like manufacturing companies, telecom companies in the acquisition stage also typically have unexploited opportunities around the consolidation of data centers and related equipment and staffing.

Healthcare providers in the acquisition stage usually find opportunities in different areas of their businesses, because of the differing cost structure of their operations. The bulk of their costs and their opportunities while in the acquisition stage of maturity in the ACL Life Cycle are related to employee salaries & benefits, and to medical supplies and drugs. It is less common for these businesses to be able to effectively share inventories and equipment, since the nature of their business is rooted in community health care that requires local service provision. The opportunities that do exist, which are typically not exploited well in acquisition stage health care companies, are related to centralizing commodity type business processes such as finance, human resources, and information systems, and leveraging required service and supply procurement across the enterprise. 

Financial Services providers, such as banks, brokerages, credit unions, financial planning companies and tax & audit services exhibit yet another cost profile, with the largest elements typically including personnel and occupancy costs. In these businesses, like health care provision, being where the customers are is critical. The companies’ ability to understand the changing demographics and match up their branches as well as their skills to the targeted customer base is often a differentiator between the companies that succeed and those that fail. Financial services providers who are still in the acquisition stage of maturity in the ACL Life Cycle often do not have the commonality in fundamental business processes and systems to readily reconfigure their operations to meet the changing needs of their marketplace. Their acquisitions or mergers have enabled them to grow horizontally, typically into adjacent markets. However, lacking an adequate foundation of commonality in processes and systems, there is substantial money left on the proverbial table as a result of ineffective resource deployment, and delays in the reporting of operational performance data that would enable the company to be more responsive. These companies also fail, in their acquisition stage, to take advantage of their larger purchasing power to gain leverage around purchased services spanning items as diverse as employee health care and branch-level office supplies.   

The Commonization Stage of the ACL Life Cycle

Companies in the Commonization Stage of their life cycles have usually awakened to the value of focusing on Return on Net Assets (RONA) and Return on Invested Capital (ROIC). In order to begin to capture improvements in these areas, companies in the Commonization Stage often turn to shared service models of operations for selected business processes and systems. Strategies and performance measures begin to crystallize around common themes that span multiple operating units or divisions. Among the areas of focus for a shared service model in this stage are Finance (A/R, A/P, General Ledger, and Financial Reporting), Human Resources (Payroll, Benefits, and Employment Records), and Information Technology (Computer Hardware, Network Administration, and selected Software Applications Management). Some companies in the Commonization Stage also move Procurement and other aspects of Materials Management to a shared service model, enabling the corporation to more effectively leverage its broadest possible purchasing power.

Manufacturing companies in the commonization stage of maturity typically have shared services in place for commodity types of business processes such as finance, human resources, and information systems management. As they advance through the commonization phase, some of them also begin to pull together a common platform for procurement, encompassing at least their most costly and common raw materials. A few in this stage reach a point where their data center
operations are completely centralized, and may even be outsourced to a third party like CSC. Toward the end of the commonization phase, centralization of work deployment and capacity utilization as well as process quality emerge as companies begin to deploy common processes and systems in customer requirements management, enterprise requirements planning, manufacturing execution systems, and distribution management systems. 

Telecommunications companies in the commonization stage of maturity also typically have shared services in place for commodity types of business processes such as finance, human resources, and information systems management. As they advance in maturity through this stage, telecoms also become aware of the available leverage in centralizing the management of some of their most valuable assets. However, unlike the manufacturer’s raw material focus, for telecommunications operations those elements are things like spectrum licenses, network equipment, connection agreements, partner agreements, distribution centers, and retail outlets. Centralizing the management of those assets to identify overlaps and redundancies enables telecoms to emerge from the commonization stage with much more effectively leveraged business assets, providing broader market coverage with a lower total asset base and generating much higher earnings on that consolidated foundation.

Healthcare companies in the commonization phase of maturity find substantial benefit in the commonization and centralization of their commodity type processes and systems.  This is primarily because of the impact on cash flow and earnings when the employee base is reduced through shared services, and employee benefits and supplies are both leveraged in terms of the broader purchasing power of the company following a business acquisition of significant size. However, there is also an especially rich opportunity available to healthcare companies in the commonization stage that stems form the leverage available related to insurance coverage – not for the employees directly, but covering the potential liability of the company itself. This category of cost is typically about the third largest slice of the pie, and significant reductions there can translate quickly to a meaningful earnings impact. 

 Financial services providers in the commonization stage of the ACL Life Cycle, like healthcare providers, often find substantial benefit in the commonization and centralization of their commodity type processes and systems. With roughly half of their cost of operations wrapped up in employee salaries and benefits, there is an opportunity for meaningful impact on cash flow and earnings when the employee base is reduced through shared services, and employee benefits and supplies are both leveraged in terms of the broader purchasing power of the company following a business acquisition or merger. The next significant area for financial service providers in the commonization stage is the capability for rapid reconfiguration of the business based on enterprise-wide visibility of operational data and market intelligence.

The Leverage Stage of the ACL Life Cycle

Companies in the Leverage Stage of their life cycles are usually embarked on a fierce drive toward adding real value. They are relentless in their efforts to fully utilize the assets of the entire corporation, driving out redundancy and its associated costs. They are then able to pivot on the fulcrum of those more agile processes and systems to implement innovations that foster organic growth resulting in greater market share, greater revenue, and improved earnings for their shareholders. Leverage Stage companies also establish a structured and repetitive process of assimilating new businesses, gathering and incorporating market intelligence into company-wide strategies, and innovating on the basis of these new combinations to capture additional market segments. These companies are characterized by coordination and centralization of major business functions such as the planning and allocation of R&D, production work, inventories, raw material purchases, personnel, and factories & equipment. They centrally manage a broad spectrum of common business processes and systems, including customer requirements management, product data management, enterprise requirements planning, manufacturing execution systems, and logistics management. They are constantly changing, evaluating and configuring business assets to meet future market needs, acquiring and developing new businesses, and shedding assets that no longer fit their evolving model.

Manufacturing companies in the leverage stage of maturity typically have shared services in place for most of the critical business processes of their company, having reached beyond the commodity level processes and into those which deliver the most value to their customers. Examples include sales & marketing, order entry & customer service, capacity planning and management, production scheduling and shop floor control, and distribution requirements planning. As they move through the leverage stage of the ACL Life Cycle, some of these companies leverage the commonality of their processes and systems to produce innovative new products and services, identify additional market opportunities, and develop industry-changing relationships that reach through their supply chains. 

Telecommunications companies in the leverage stage of maturity also have shared services in place for most of the critical business processes of their company, including the seamless provisioning (often called “flow-through provisioning” by industry insiders) of all telephonic services to customers stemming from a single telephone conversation responding to an individual inquiry about a service. This type of capability is only enabled when all of the information from what have historically been disparate data bases is available in an intelligent form through excellent systems integration, based on exceptional levels of commonality and strength in enterprise-wide business processes.

Healthcare companies in the leverage stage of maturity have typically discovered and implemented leverage-based improvements in their major cost structure elements as a result of enterprise-wide information visibility flowing from systems integration and centralized management of critical business processes. Health care companies generally also have uniquely challenging business conditions related to three other areas where leverage level operations can be a powerful tool. 

The first of these areas is employee safety. Most health care organizations are spending a substantial amount of money in this regard, with training and documentation of company polices and safety-related practices requiring an increasing amount of company attention. The integration of systems and commonization of processes in a leverage stage health care company offers opportunities to more quickly incorporate internal best practices, externally imposed business requirements, and feedback about lessons learned across the entire health care organization regardless of geographic dispersion. Commonization and centralized management here can result in substantially lower cost, and more importantly, substantially higher and more uniform levels of employee safety. 

The second area is bad debt. The integration of customer data, and effectively interfacing a common set of enterprise-wide processes and systems with outside service providers such health maintenance organizations and insurance carriers, substantially reduces the amount of bad debt in leverage level health care companies. 

The third area, and perhaps the area of richest opportunity, is the area of patient medical information. This area is tricky because of legislation related to patient privacy and guidelines recently established for the maintenance and communication of patient medic
al information. However, one of the fundamental challenges faced by health care providers is the absence of available medical history, particularly when a patient is admitted to an emergency room or urgent care facility. Particularly when a patient is unable to respond to questions directly due to an incapacitation illness or injury, time can literally mean life or death. Making all necessary information available to the physicians and other health care professionals involved as quickly as possible is extremely important. When critical business processes and information systems for the management of this information are brought to an effective level of commonality, the rapid dissemination of the needed information can be greatly improved, while patients’ expectations around the privacy of their information are still met. 

Financial services companies in the leverage stage of maturity, like health care companies in some ways, must balance the needs of differing local customer geographies against the advantages of centralized management in critical business processes and systems. There is real value in allowing some latitude to local branch officers and customer-facing staff such as loan officers to accommodate the unique circumstances involved in specific cases. However, these companies often find that a significant advantage of the leverage provided by enterprise-wide commonization of processes and systems is the ability to see the nuances of differing markets at a corporate level, and recognize broader trends among those different markets more quickly and clearly than they could before. This improved visibility, in turn, enables management to reconfigure their service offerings, redeploy resources such as sales dollars, and organize sales campaigns for those specific markets more quickly than they could previously.  

The best of these companies, regardless of what industry they occupy, utilize their common platform of processes, systems, and information to understand the needs of their customers in unique ways, and fluidly translate those needs into the features of their products and services. A few, at the very top of the game, come to understand the customers’ needs even before the customer recognizes them, and when necessary they reconfigure their entire business to meet those needs, gaining unassailable competitive advantage. The enterprise-wide leverage they achieved as a result of carefully and skillfully handling the post-merger or post-acquisition integration of processes, systems, and data provided the platform from which innovation launched them to new levels of performance. Examples could as easily be provided for companies in pharmaceuticals, retail operations, or the food & beverage industry. The lessons learned and the techniques vary a little, but the principles are the same.

Earning a Nursing Degree Online – Advantages & Considerations

Nowadays, going to classes at college is not the only way to earn your nursing degree. Online education is an alternative where you can earn a nursing credential from anywhere you like and at the time when it’s most convenient to you. Earning a nursing degree online has many advantages over the traditional learning setting, but there are a few considerations that you must look into before sign-up an online nursing degree program.

Advantages of Pursuing Nursing Degree Online

1. Choose Your Major Regardless of Location Concern

Nursing degrees come with various specializations, but your preference major may not being offered at the nursing college near to your place. You found the nursing degree program with the specialization that you like to major with, is offered by a college at another state or at the college located far way from your convenient travel distance. But, lucky the college does offer it nursing degree online. You can become their online student to sign the nursing degree with your preference major.

2. Flexible Study Time from Anywhere

You can plan your study schedule and log-on to the classes from anywhere as long as you are at a location that has internet connection. Flexible study time from anywhere is the key advantage that will benefit those working individuals who want to earn a nursing degree without giving up their paycheck. Many people have a desire to enter the nursing field, which is a very rewarding and challenging career field, but they are unable to give up their current job to go back to school due to family & other obligations. Online education with it advantages in term of flexibility learning option will enable them to continue their current life while realizing their nursing career goal. This advantage will also benefit those working individuals who need to travel a lot due to their job assignment; they can log-on to the classes from where they are.

Considerations When Taking Nursing Degree Online

Although you can earn a nursing degree online, there are a few considerations you must take into account before you sign up your degree of choice:

1. The Nursing Program Meets Your State Requirement

Each state has it own requirement for nurses, you must make sure that the online nursing degree program that you are going to enroll is a nursing program that is recognized by your state. This is particularly important for preparing for the NCLEX examination, which is required for state certification before you can start your nursing career after graduation.

2. Clinical / Lab Work Facilities

Most nursing degree programs will require you to complete a certain lab or clinical assignments before you can earn the degree. Some nursing schools will require you to complete the clinical experience at the school while other may have co-operation with other health care facilities which may locate near you place to ease you in completing your clinical experience. If traveling to the school is not convenient to you, then you must consider those schools that offer online nursing degree program which can allow you to complete the clinical experience locally.

3. Be Prepare To Be An Online Student

Online learning is different from classroom-based learning style. Most materials are in text format and you must have good reading and writing comprehension. Self-motivation is another key factor that will determine the success or the failure of an online student. If you choose to earn your nursing degree online, you must prepare yourself to face the challenges in your online study and be a successful online student.

Summary

Earn a nursing degree online has many advantages that can benefit you, but at the same time, you must consider a few important factors to ensure you can successful earn a degree that can help in your nursing career.

Why Turn to OrthoNow Services Right Now?

One of the options that may be available to you is OrthoNow. This type of clinic can help you to handle many of the concerns related to bone fractures and sprains without having to go to the traditional emergency room to do so. If your child is playing sports on a Saturday afternoon and happens to be hurt on the field, the options are limited normally. You could go to the ER, but the costs will be high and the wait could be long. This facility provides another option for fast, affordable help no matter what your needs are.

What Is It?

OrthoNow provides an opportunity for individuals to get the help they need for injuries in a safe manner without having to go to the traditional hospital room to get the care needed. This is a type of immediate care center that provides for the needs for nearly all types of patients who are facing concerns with orthopedics, such as muscles, joints or bone pain. If that sounds like what is happening with you, visit one of these professional organizations for help even after hours. Even better, this is a walk-in program, which means you do not need an appointment to get help.

What Can They Do?

There are many ways these professionals can help you. They often help with sprains and strains, including those related to sports or work injuries. You can come in if you think you’ve fractured a bone or you are not sure if you did. It also handles most types of sports medicine injuries. If you have a minor dislocation of a bone, they can help to set it. They can also help with cast problems or dressing wounds. However, these facilities do have some limitations.

You do not want to go to this type of facility if you have a spinal injury, open wounds or fractures or you have head trauma. Since this is not a traditional emergency room, these types of treatment are not available onsite. However, if you have any type of non-emergency injury like those described here, you can walk in to get the care you need. It’s the type of specialized care you need when your child has fallen on the playground and could have broken a bone or when that sports injury kicks in while you are playing basketball with the guys.

Don’t put off getting help. You no longer have to worry about choosing a high copay at an emergency room or getting help for your condition that’s more affordable. With OrthoNow, you can get the help you need right away, so that you can get back to life.

Car Rental Deals – Why People Like Car Rental Deals

I know that you can relate when I say that I love to get a good deal on something. It shouldn’t take a lot of explaining why car rental deals are some of the most important things that you can partake in when shopping for a rental car. Some people will go to great lengths to find the best car rental deals that they can while others will be more willing to pay the advertised normal price. But did you know that you can just type in the name of the company you are looking for followed by the word coupon and you can find a better price. That is just one of the ways that you can get easy and cheap car rental deals.

There are many other techniques that one can use to get good car rental deals, one little known fact is just ask the company what deals they are offering at the time. A lot of agencies will have a special if you are willing to rent the car for a week, or if you are only going to have it for the weekend. Prices can vary and change depending upon the holiday season or during peak times in the summer, one can really never know how much it is going to cost to rent a car but you can also try to get the best car rental deals.

Don’t get discouraged when one company offers you a high price for a car, there are always more options than you could believe when you look for that perfect rental car for you. You also have to make a choice between two different options, let’s say for example you are on a very tight budget and you just want get the cheapest car possible than you may want to rent an economy style car and try to get the best possible deal on it, but on the other hand you also have the option of getting car rental deals in another way. You could go to an agency and request for a luxury vehicle at the price of a budget or hybrid style vehicle. You would be surprised at how many companies or agencies would be willing to make this switch simply if you ask. They may be having a special and would never have told you about it if you didn’t ask, who would have guessed?

Regardless of what deals or techniques you go after everyone and their moms love good deals so don’t let yourself charge full price for anything that you can get at a discount! I know you would rather have a luxury car instead of a budget car and drive in style, or maybe you just want to get a budget style car even cheaper than they say it is. The most important thing to learn is don’t be afraid to ask, there are many options out there when dealing with rental car deals!

Three Tips to Run a Car Wash Business

The car wash business is considered as a safe business, as it provides regular profits. It is not a sector that millionaires would like to dabble in. However, it does offer people, who look for reliable investment options and are willing to work hard, an opportunity to do something worthwhile.

As with any other business, the car wash business too has its own tricks of the trade. It is definitely a sure-fire profit making sector. However, that does not mean that you just have to start a company and profits will follow automatically. No business ever guarantees that.

The following are some tips on how to run a car wash business professionally and profitably:

Tip 1: Invest wisely in cleaning machines

Cleaning machines have to be the first priority of the investor. There is no use or purpose of spending extravagantly to buy the so-called best machines. On the other hand, it would be disastrous to buy the cheapest machines. You need to do a bit of home work before making the purchasing decision.

The problem with auto detailing is that it requires the use of multiple cleaning machines. An automobile consists of different types of surfaces, with each having varying levels of hardness. The exterior body and engine parts are hard and sturdy, windshield glasses are obviously, and fabric seat upholstery and carpets are soft.

A single machine cannot be used to clean all these types of surfaces. As a result, a car wash business essentially requires different types of machines that are pressure washers for cleaning the hard surfaces and carpet cleaners to clean the soft surfaces. Steam cleaners, too, do a good job of cleaning the hard surfaces.

Tip 2: Focus on quick delivery

One of the secrets of success of an auto detailing business is the quick delivery of the vehicles. In this busy world, owners want the vehicles as quickly as possible. The average delivery time in this business now can be within several hours. So, how can you ensure that the cleaning is done quickly?

Employing the right mobile car wash machines would help. You should use carpet cleaners equipped with low flow technology and pressure washers having a low flow rate. Using steam cleaners with dry vapor output is another good option.

In short, make sure that all the car detailing machines transfer less quantity of water on to the vehicle surfaces. While doing this, you have to ensure that there is no compromise on speed or efficiency of the mobile car wash machine.

Tip 3: Use green chemicals

A good cleaning agent improves the cleaning power and speed of most car detailing machines. However, synthetic detergents do more harm than good. These products improve the efficiency of car wash equipment, but leave more toxic residues on the vehicle surfaces than the dirt they help to remove.

This is the reason why most reputable suppliers recommend using green chemicals along with their car wash equipment. These products are derived from plants and vegetables, and do not contain a single toxic substance.

What Is Involved When You Have Laser Therapy For Mole Removal?

If you have been undesirably blessed with a mole on an embarrassing part of your body or have developed moles during your formative years then you might want to get rid of them in a safe manner. If you have unsuccessfully tried various home remedies, Uncategorized treatments, and over-the-counter products, and are apprehensive about traditional surgery to remove your mole or moles then you should definitely explore the laser therapy mole removal option.

You could be afflicted with moles that might belong to different categories such as sebaceous moles, junctional moles, decimal moles, compound moles, or blue moles, that each has different characteristics and sizes. Unlike traditional surgery that might uproot the mole in one single sitting, laser therapy requires several sessions that slowly destroy each layer of the mole with a precisely guided CO2 or Erbiumyag laser beam.

You might require local anesthesia over the mole and its surrounding area during treatment to eliminate any pain, which anyway is minimal. The laser beam basically cauterizes each layer and this ensures hardly any bleeding at all. This ensures that no stitches are required after laser therapy mole removal. However, laser therapy has proved to be more successful on flat or raised moles that do not have very deep roots since moles tend to bounce back with added aggression and size if they are not eliminated completely from the roots.

You should make it a point to visit a trusted dermatologist that can examine your moles and suggest appropriate treatment. Laser therapy requires a few sessions based on the size and depth of your moles. This form of treatment is also quite costly as compared to creams or traditional surgery, but if successful hardly leaves behind any scars. Once the treatment is completed then you will observe the formation of scabs over your moles that will usually fall off within a week. There is also a risk that another mole might replace the existing one if the roots of that mole have not been completely destroyed by the laser.

If you do opt for laser therapy mole removal treatment then you might also need to pay the bills from your own pocket since most insurance companies do not pay for such cosmetic treatments. You will also need to undertake regular checkups once your treatment is complete so as to observe if any new mole is trying to emerge in place of the old one. In case you have a history of skin pigmentation or vitilago then you might need to undergo skin tests before starting the treatment. Laser treatments involve the use of low and high intensity laser beams to slowly destroy the mole while ensuring minimal damage to surrounding tissues. You might require up to 3 sessions before a mole is fully destroyed by the laser.

If you have tried all types of mole removal treatments including using homemade concoctions, products made from Uncategorized ingredients or over-the-counter creams that usually involve acidic chemicals, and are also afraid to go under the knife then you still have one option left. You could opt for laser therapy mole removal treatment that is painless and usually leaves behind no scars. Although this form of treatment is quite costly, it will usually reward you with freedom from moles and a clear skin that bears no scars.

Want a Sweet Deal? Favorite Websites For Fashion Bargains

A lot of people ask me where I get the clothes I’m wearing and they’re always surprised when I say where I got them and how much the item cost. Typical reactions include disbelief and jealousy, especially when I’ve spent less than $20 on a pair of shoes identical to an $80 pair someone else owns.

when I say where I got them and how much the item cost. Typical reactions include disbelief and jealousy, especially when I’ve spent less than $20 on a pair of shoes identical to an $80 pair someone else owns.

How do you find your own sweet deals and which online shopping destinations will give you the most bang for your buck?

Here are a few of my favorite sites:

Forever 21 has incredible selection and style and the prices are outrageous, especially if you do a bit of digging. I’ve unearthed fabulous dresses for less than $20 and great costume jewelry pieces for around $5. The shipping from the site is painless and quick and they have easy return policies should something not fit.

Here are my tips for shopping online at Forever 21:

Visit the store before you shop the website so you know what fits you and what you’re looking for. Often, the actual clothing looks different in person than it does on their website, especially in the dress length area. Some “dresses” Forever 21 sells are more tunic-lengthed, meaning you’d have to wear them as shirts or with leggings in order to make them street-appropriate.

Don’t expect pristine quality. Forever 21 keeps their prices low by mass-producing huge quantities of clothing that aren’t meticulously made. Don’t expect your clothing to hold up for years-or sometimes weeks-on end.

Beware of dresses or shirts you need to zip. Forever 21 has fairly cheap zippers that often break.

If in doubt, go up a size. Their clothing runs tiny-truly tiny. If you have a wide rib-cage, like I do, you may need to go up two sizes if something is really fitted around that area.

Urban Outfitters is a true fashionista’s paradise. Chock full of interesting bohemian pieces, you can find some great clothing for less than $50. Often Urban also carries more expensive lines (upwards of $200), so make sure you don’t fall in love with something before checking the price.

Some things to buy from Urban:

Accessories are always a great bet. They have tons of belts, handbags, scarves, etc. Their shoe selection is also enviable. Check out their flats and sandals, especially now. They have lots of cute new things.

When cold weather is once again upon us, Urban carries a wide-range of outerwear which is all pretty affordable and cute, without being cutesy.

Urban always carries Converse All-Star sneakers in hard-to-find colors and patterns. Check the men’s shoe section for more.

Cutesygirl.com has shoes for unbelievable prices. Truly unbelievable. I tell people I got boots or heels for $12 and they don’t believe me until I show them the webpage.

The thing about Cutesygirl.com is that they mix some really awful, ugly shoes in with adorable and stylish ones. You’re going to have to be willing to put in some search time.

The quality is fairly good, about what you’d expect from Target or Payless shoes. Not great, but they’ll do. Some of the brands (like Steve Madden) that Cutesygirl.com has are obviously better quality than others. Just be choosy and you’ll be okay.

Watch for these styles from Cutesygirl.com:

Flats or pumps are always a good pick. Search by “Price- Low to High” to find the best deals. If you see something you like and they have your size, snatch it up quick. The cheaper shoes go fast, and they often run out of the most popular sizes quickly, leaving only 6’s to be had.

There are some great boot offerings from Cutesygirl.com, but once again, search carefully. Avoid stiletto, pointy-toed boots at all cost. You can get those almost anywhere now, but they really aren’t tremendously popular anyway. Don’t fall into the trap of buying something just because it’s cheap: there are lots of inexpensive shoes on Cutesygirl, but don’t sacrifice style just because something is $10.

A Close Look at Top Reasons to Buy E-Cigarettes

The latest buzz on quit smoking products are electronic cigarettes or ecigs, as they are popularly called. An electronic cigarette is made up of two or three parts, consisting of a cartridge unit, an atomizer and a rechargeable battery. When the device is activated with the button, the nicotine cartridge is heated up by the heating unit to give off vapor that is inhaled. In automatic ecigs, you just have to inhale to activate the device.

Though there are many quit smoking products available, the most effective are e-cigarettes. They look like traditional cigarettes, feel like them, but they are better and cost less.

Here are lots of advantages in buying e-cigarettes. They are environment-friendly because they do not have any of the carcinogenic elements that are present on traditional cigarette smoke. The smoke from an ecig is vapor that quickly dissolves in the air, without toxins. You can beat the smoking ban with e-cigarettes because they can be used in public places where smoking is not allowed.

Ecigs do not contain tar or let out carbon monoxide and this removes the danger of second-hand smoke. As you drag on an e-cigarette, you get that real sense of satisfaction as that of smoking a traditional cigarette, but without letting toxins into your system.

E-cigarettes cost lesser than traditional cigarette and one cartridge is worth a couple of packs. An average smoker would be spending about $2000 or even more on cigarettes but you can save on all of this through e-cigs and this is one of the biggest advantages in buying e-cigarettes. Buying e-cigarettes saves you from problems like stained teeth, hands, finger, and breath, and smelly clothes. You don’t need an ashtray or a lighter to use them. E-cigarettes are easy to use because, you just have to press a button to activate them. The automatic ones can be started with mere inhalation.

If you find using an ecig starter pack to be expensive, check out a disposable electronic cigarette. Disposable e-cigarette types come with an atomizer, battery and a nicotine cartridge that usually lasts for about 12-20 traditional cigarettes. After the nicotine cartridge is completely used up, the cigarette has to be disposed and the device’s battery cannot be used again.

Quick Finance – Caveat Loans And Bridging Finance

Short term loans help people lessen their immediate money troubles, because of increasing everyday expenses and no sufficient income to meet the requirements. These loans by and large come in a shape of payday loans, in that you can obtain immediate cash with the settlement time between two and three weeks. Lots of lenders in Australia offer their service online that let you submit an application for the finance, 24 hours a day and 7 days a week.

If you need fast money, then a caveat loan, short term loan or bridging finance from any Australian finance Centre can help.

Caveat loans

Fundamentally, caveat loans are all about when lenders offer the borrower fast money, in return for their property as defense for the finance.

The submission of applications for these loans is extremely quick, and it is likely to be short term from approximately one month to four months. Usually the borrower can get the money inside 24 hours after the request has been launched, and in the majority of cases, having a bad credit documentation does not have an effect on your possibility of successfully achieving it. In other words, these loans are finance for property.

The reason caveat loans are provided for assets is since the borrower have to secure an asset against it, and the majority of the time, the assets consists of realty properties or vehicles, as other kinds of assets are usually not acknowledged to be a defense for such loans.

Bridging Finance

By explanation, Bridging Finance is a short-term loan used to buy business property.

This is something that can come in very helpful, conditional on your particular circumstances. There are two major points that you need to think about before you choose a Bridging Finance package, your wants and the condition of the property market.

One of the main benefits of Bridging Finance is that it will let you close on a property and buy a new property before you get rid of your existing one. You will need to assess your present situation to decide if your wants give good reason for taking on this sort of finance.

Paying off your Bridging Loan at the ending of the term usually depends on your capacity to sell your existing property. If it is not sold in the obligatory time, then you will have to pay the existing loan on your present property, your new property and the newly transformed Bridge Finance, too. If you think that this might be the likelihood then be sure to take a package that can be changed to business Loans if the need comes up. Or else, you might have to come up with the complete finance amount at the conclusion of the funding time.

How To Get Traffic As An Internet Marketer

Becoming a successful internet market is no joke. To really make more money than the guy that work his heart out from 9am-5pm takes knowing how to do the right thing. Some people say you need to work hard to make it in internet marketing. But, I would say that you not only work hard but work smart.

Every info-preneur or internet marketer undoubtedly needs to get traffic to make it in the internet business. The internet business is very competitive and if you do not know how to gain traffic to win the heart of people surfing the net, you may eventually become a failure. I have seen and heard many information marketer with right passion and excitement, become frustrated and fail in this business. You could avoid being frustrated and having the believe that internet marketing does not work or it is a big scam. You only need to become smarter to make 4 or 5 digit cash with an effective traffic strategy.

There are 3 skills that you will need to cultivate if only you want to make big money selling information over the internet.

*Perfect the bait
*Target the right people
*Delivering the right solution quickly

When you think of getting or gaining traffic for your internet marketing business, you must keep three things in mind:

1. Who is my target audience

2. What do they want?

3. How can i motivate this target audience to act now?

Let look at these closely;

Who is my target audience:If you want to market products/services or information you must first find a group of people who are hungry for such information. I call this ‘finding hungry fish’. I prefer a school of fish in ‘feeding frenzy’. If you drop your bait, that is traffic into such a school of hungry fish, they will attack your bait.
The most important part of marketing is not the traffic you could drive to the product. It is targeting your traffic to the right audience.

2. Where do you find your right audience:You have 2 choices;you can either devise traffic from someone else medium or create your own traffic strategy and get your own customers. In other words, you could pay for it as in using pay per click(PPC) or buying classified ads slot/space. But, for starters it could be expensive.

A free and no-cost method of getting traffic is to build a list. You can write a 8-15 pages report or create an e- book and give it out for free in giveaway events or forums sites. People who opt-in for your report, leave their name and email address. With this, they become willing subscribers you manage for your marketing activities.

3. How do I motivate the target audience to buy Now:As a student of marketing, i have discovered some principle that work. There are 6 of them:

a. Consensus:Give people what they want. The ‘hottest’ thing that is in demand by a large number of people. It will induce a potential buyer to say yes easily to your product.

b. Reciprocity:You should give them bonus for buying your products. Give them a free ‘gift’. It creates a subtle obligation to them to buy your product.

c. Scarcity:Attach a time limited and quantity limit to the amount you have to sell. This create urgency in the potential buyers.

d. Authority:Talk like an expert. If you are a newbie, you can have a joint venture with experts. you should note that people like to deal with experts.
e. Commitment:Whatever you promise you will do, stick to your words. Give yourself to doing what you say.

f. Liking:Make them like you and your products. appeal to their sense of liking to you and your product.

Traffic is the hub of your marketing campaign in internet marketing. Do every thing you can to get traffic. Always remember, without it you are less likely to succeed online. I wish you success and see you at the top.