Health, Wealth, Wisdom & Fun

Link: http://www.billboardmama.com/invoice-factoring-and-the-new-year-p-450.html

Around this time the previous year, plenty of businesses need to stop spending. But today, signs suggest that the recession is almost gone and small businesses can get on with their normal "lives." So now is a great time to consider what the recession has done to your business.

But go beyond your business - think about the the effect of the recession on your industry in general. Are the characteristics of your customer base changing? Or is it that your rivals have lowered their prices? How about their service offerings? Are you keeping up? Indeed, recession causes a lot of changes in your business - so it is high time that you give yours a major assessment this time.

If you and your small business have been experiencing layoffs, salary reductions or worse in order to survive the recession, there are some important things to keep in mind as things begin to get better.

First, many companies are going to begin hiring again, which means you could get some new people after another company goes out of business. But your employees also might get a better offer too. It's important to satisfy them, or else, risk losing them to your rivals. Many people are are going for jobs that allows them to make more money to pay off their bills after the last year.

In addition, be wary of what you spend money on. Now that business is getting better. Set your priorities: choose new computers over re-decorating. Think about long term against short-term debts.

Many businesses have learned how to utilize invoice factoring to survive the recession. And that strategy can be continued after the New Year begins. Indeed, it is a good alternative in keeping your cash flow strong, while still being able to address your debts.

And there's a better piece of news than just factoring - there's what we call "spot factoring." It is when one invoice at a time is factored. Take note that spot factoring, unlike a loan, is the purchase of financial assets such as receivables. Traditional bank loans involve two parties, while invoice factoring involves three parties. Another difference of these two financial options lies on the fact that in factoring, decision is dependent on the value of the receivables, while in bank loans, it's based on the person's creditworthiness. With invoice factoring, there are no minimums, no maximums, and no long-term commitments.

Single invoice factoring can assist your small business get back on its feet. Typically, businesses don't get immediately paid for products/services delivered. This negatively impacts cash flow and can make it hard for the business to generate new orders in a timely manner. With invoice factoring, however, businesses that do not get paid for 30, 60 or 90 days will have access to immediate cash - of up to 90% of the invoice total. Invoicing companies, such as IFG, simply looks at the client's customers - and if they're worthy enough, IFG can grant funding within 24 hours.

Link: http://www.billboardmama.com/women-in-menopause-need-hormone-replacement-p-449.html

Are you a female that's 45 years of age or older and experiencing any of the following hormone imbalance symptoms? If so, then you probably will want to consider something gaining popularity called rhythmic bio-identical hormone replacement that is designed for women in menopause.

Check the following hormone imbalance symptoms to see if you experience: anxiety, allergies, foggy brain, weight gain, depression, dizziness, endometriosis, dry skin, fibrocystic breasts, hair loss, and headaches, suppressed libido, osteoporosis, or urinary tract infections. These symptoms are largely caused by the aberrant relationship between the levels of progesterone and estrogen in your body - and are typically associated with menopause.

Here's how it works ... The two female hormones, estrogen and progesterone, co-exist in a very fragile balance, and any variations of that balance can have an impact on your health. The amounts of these hormones that the woman's body produces every month can change, depending on factors such as age, nutrition, stress, exercise or ovulation or the lack of it.

At perimopause, our hormones begin to fall off and put them back to the same range as is the case during the time between adrenarchy and puberty. As a woman's estrogen levels goes back into that same range again, she may still have some regular periods, or periods that come at fairly regular intervals during the year, but the fact is, that she's possibly no longer ovulating. This means that the woman can't be pregnant anymore.

These peri-menopausal periods are like the ones a girl experienced when her reproductive engine was developing as a teenager. During time, her adrenal glands were trying to jump-start your brain to turn on your ovaries, and once the ovaries kicked in, she had enough estrogen generated by a full basket of eggs.

At midlife, a woman just has sufficient estrogen to create a thin lining in the uterus - but not enough to peak. Then comes the time when the periods are shortened, breasts are lumpier, and the mind is foggier - a phase called perimenopause. If a woman does not peak estrogen with regularity, she is in peri-menopause. The collapse of the rest of a woman's eggs are basically due to the loss of rhythm during the perimenopausal stage. The remainder of the eggs are used up, with the excessive action of FSH. It's about this time, when she'll start to hot flashes, because that's how her system effectively shuts down for good. In rare instances, it takes ten years before menopause is reached.

Menopause is defined as the cessation of menstruation for 12 consecutive months, in clinical terms. Menopause signals the end of a woman's reproductive period, and this normally happens naturally around the age of 52 when her ovaries stop producing estrogen, and there are no more fertile eggs. In terms of blood work, menopause is clinically diagnosed by an FSH score that is higher than five.

Today, a woman can stop the aging process and not experience the symptoms of hormone imbalance and menopause with hormone replacement. But the extent at which she can fool nature (covering the fact that she no longer has eggs) is only to some extent - if the hormones are replaced in the same way as they would be generated in youth, in the exact amounts and a certain rhythm. This is the premise behind rhythmic, bioidentical hormone therapy. To further explain, various amounts of estrogen and progesterone are administered at different days of the month. Women using this rhythmic cycling also will get their periods again, just like when they were young.

Women taking rhythmic bioidentical hormone replacement therapy are raving about how wonderful they now feel. No more sleep deprivation due to hormone-related insomnia and hot flashes. No more brain fig or depression. Their skin looks soft supple and glowing. And more often than not, women who had experienced the dreadful symptoms of menopause are now claiming that they got their lives back.

Rhythmic bioidentical hormones could certainly be the real "fountain of youth."