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A few decades ago, a car was considered a luxury only the rich could afford. But as the Automobile companies prospered and expanded their production and reach, the Cars became cheaper and easier to acquire. Many Auto Companies, Banks, and private companies too came forward to provide Car Loans to people who still could not afford to buy Cars with a full payment for the purchase price. Auto financing was also useful in enticing people working on a fixed salary, or those who were hesitant in investing a big sum in purchasing an Automobile. People also bought cars to maintain/enhance their status in society, even if it meant opting for a Car Loan to buy a Car. In the last decade or two, a car or even two or more cars for a family has become more of a necessity, rather than a status symbol.

In this case opting for a Car Loan is not a bad idea if you really need the Car to make life easier for you and your family and it is really useful in solving day-to-day problems of traveling. You can either decide to buy a new or second hand car depending on your requirement and financial status. When you do decide to buy a car with Auto financing, just do not rush off and select the first option that presents itself. Analyze the Car Loans market and the different offers made by the Auto Company, Banks, and Private companies for Auto Loans, and decide on the best option according to your paying capacity and finances. Auto Financing is beneficial for the buyer (You), the seller (the Auto Company), and the financier (Auto Company, Bank, private finance company). But as in any business deal. everybody wants the best deal and the most benefit for themselves. Therefore, when you do opt for an Auto Loan, weigh the Pros and Cons, the advantages, disadvantages, savings, interest charged, down payment required, terms of financing, the period of loan, etc.

You should also calculate how much you will have to pay on a monthly/quarterly/yearly basis for financing the Car and whether you will be able to manage the payments comfortably. If you have already bought a car on Auto Finance and your Credit rating with the financing company is good, getting a Car Loan for a second car becomes easier. But if you have defaulted on your Auto Loans, your Car Finance Company may reject your loan application for another Car. This is called Bad Credit in the industry. But you do not have to be dejected and think that you will never be able to get another Car Loan. There are Private Car Finance and Auto Loan Companies that do provide a Second chance at Auto Loans, in spite of a Bad Credit rating. Whether you need First time Auto Financing or a second chance at a Car Loan in spite of Bad Credit, you should investigate all the options and avenues available and opt for the best in the market, while also looking at your financial abilities to pay back the loan.

Endometriosis which grow somewhere else other than the endometrium also reacts to hormonal signals of the monthly menstrual cycle by building up tissue, breaking it, and eliminating it through the menstrual period. As we know, nutritional supplements play a very important role in treating endometriosis. In this article, we will discuss how vitamins help to treat endometriosis.

A. Vitamin A
I. Definition
Vitamin A is a bi-polar molecule formed by bonds between carbon and hydrogen. It is a fat soluble vitamin. This means it can not be stored in the liver but it can be converted from beta-carotene, a powerful antioxidant. Besides helping in treating endometriosis, it is also known to have strong effects in improving vision and enhancing bone growth.

II. Vitamin A and endometriosis
a) Vitamin A is a very powerful antioxidant that not only helps to strengthen the immune system, but also protects against the growth of endometriosis.

b) Vitamin A helps in regulating the gene expression by fighting against the forming of free radicals and protecting the body organs from abnormal growth of endometrial implants and adhesion.

c) Red blood cell production
Vitamin A working together with iron helps to aid the production of red blood cells and improve the oxygen level in the circulation of blood which is necessary for the body’s cells. This results in a stronger immune system as well as protecting the forming of abnormal cells.

d) Working together with Zinc
Zinc deficiency interferes with
a) Vitamin A function of protein synthesis and fatty acid metabolism.
b) Reducing the activity of enzyme that release vitamin A palmitate from the liver causing a weakened immune system fighting against the forming of free radicals, and endometrial implants, and adhesion.

e) Work together with iron
Iron is necessary for production of red blood cells that carry oxygen in the blood stream for the body’s cells. Women who have endometriosis with heavy blood loss during menstruation normally have iron deficiency because of loss of iron which is far greater than what the body can produce leading to anemia. Intake of vitamin A and iron will increase the production of red blood cells far better than taking iron supplements alone.
Remember, overloading on zinc or iron is toxic to our body. Please make sure to talk to your doctor for the correct amount.

B. Vitamin B1
I. Definition
Vitamin B1 is one of the members of the vitamin B complex, it is also known as thiamin or thiamine. It’s most common form is a colorless chemical compound with the formula C12H17N4OS. It was discovered in 1910 by Umetaro Suzuki in Japan. It is a water soluble vitamin, therefore it can be stored in the body and is required to be taken regularly.

II. How Vitamin B1 benefits women with endometriosis
Women with endometriosis are found to have vitamin B complex deficiency during the menstrual cycle. It is not known if it is caused by unhealthy diet or the inability of digestive absorption.
a) Level of estrogen
Vitamin B1 helps to detoxify the liver which may be caused by intake of of alcohol, smoking and heavy metals. A strong liver is particularly important for secretion of cholesterol in breaking down estrogen that causes menstrual cramps as well as hormone balancing in the body.

b) Immune system
Vitamin B1 is an antioxidant that helps to strengthen the immune system against the forming of free radicals, endometrial implants, and adhesion somewhere else in the body except the endometrium.

c) Red blood cells
Study shows that vitamin B1 helps to normalize the activity of an enzyme called transketolase in red blood cells resulting in increased amounts of the two proteins THTR-1 and RFC-1 which helps to transport thiamine into red blood cells. This increases the production of red blood cells in the bloodstream.

d) Nervous system
It helps to reduce tension of the nervous system as a resulting of converting carbohydrates to energy which is necessary for the proper functions of the nervous system. Thereby it reduces symptoms of endometriosis in some women such as anxiety, depression, and mood swings.

e) Intestine muscle tone
Vitamin B1 helps to secrete hydrochloric acid in the stomach which is essential for the complete digestion of food particles and decreases the risk of nutrient deficiency causing hormone imbalance in the menstrual cycle.

C. Vitamin B2
I. Definition
Vitamin B2 is water soluble, also known as riboflavin. It has a chemical compound formula of C17H20N4O6. Like many other vitamin B complexes, it plays an important role in providing energy to our body by the metabolism of fat, carbohydrates and protein.

II. How vitamin B2 helps to treat endometriosis
1. Red blood cell formation
Vitamin B2 includes the active co-enzyme forms of flavin mononucleotide (FMN) and flavin adenine dinucleotide (FAD) that helps to transport vitamin b2 into the red blood cell as well as maintaining the red blood cell formation.

2. Strengthens the immune system
Vitamin B2 is an antioxidant that helps to rejuvenate the immune system caused by toxins accumulated in the liver that helps to maintain our body’s function fighting against any abnormality of cell growth including abnormal endometrial cells.

3. Cell growth
Since vitamin B2 helps in protein metabolism, it helps to maintain normal cell division or cell growth which decreases the risk of cell abnormality and prevent endometrial cells to grow somewhere else in the body excluding the endometrium.

4. Iron and vitamin B6
Vitamin B2 is needed for a healthy mucus membrane in the digestive system. It enhances the absorption of iron and vitamin B6 which is essential for women with endometriosis and heavy flow during menstruation.

5. Migraine
The Riboflavin that is found in Vitamin B2 has shown beneficial results by assisting in decreasing the time as well as the frequency in which one gets a migraine headache due to symptoms of endometriosis during menstruation.

6. Nervous system
Vitamin B2 can assist with alleviating stress as well as reducing symptoms of depression that are brought on by digestive disorders that generally affects women with endometriosis during the menstrual cycle.

D. Vitamin B3

I. Definition
Vitamin B3 , also known as niacin, is a water-soluble vitamin. Besides being usedto treat pellagra caused by dietary lack of vitamin B3 and protein, it also has been known to be effective in treating endometriosis because women with endometriosis are found to have vitamin B3 deficiency. It has a chemical compound formula of C6H5NO2.

II. How vitamin B3 helps in treating endometriosis
1. Hormone synthesis
Vitamin B3 is found to help the manufacturing of hormones such as cortisone and the sex hormone estrogen in a woman’s body. Besides helping to inhibit levels of bad estrogen that causes menstrual cramps during menstrual cycle, it also helps to balance the prostaglandin hormone which causes over-active uterine muscles.

2. Digestive system
Deficiency of vitamin B3 is generally found in women with endometriosis during menstruation. It may be caused by the inability of the digestive system in breaking down food particles. Intake of vitamin B3 helps to re-balance the hormones that cause menstrual cramps.

3. Metabolism of carbohydrates, proteins and fats
Besides helping to provide energy for our body in metabolism of carbohydrate through bile secretion, vitamin B3 also helps in the metabolism of protein and fat which are important for our body’s function.

4. Circulatory stimulation
Vitamin B3 also helps in stimulation of the circulatory system by reducing the level of bad cholesterol (LDL) from the arteries in some people.

5. Nervous system
Vitamin B3 is important for the healthy activity of the nervous system by providing the metabolism of protein and fat which are nutrients necessary for brain cells resulting in reduced symptoms of endometriosis such as depression, anxiety, and irritation.

6. Inflammation
Vitamin B3 increases the level of prostaglandins hormones which control the physiologic processes of blood clotting and inflammation.

E. Vitamin B5
I. Definition
Vitamin B5 is also known as pantothenic acid. It plays an important role in the forming of co-enzyme A and is critical in the metabolism and synthesis of carbohydrates, proteins and fat. Vitamin B5 has a chemical structure formula of C9H17NO5.

II. How vitamin B5 helps in treating endometriosis
Most women with endometriosis were found to have low levels of vitamin B5 during the menstrual cycle for what ever reason. Without enough vitamin B5 in a woman’s body, it causes:
1. A weakened immune system
Since vitamin B5 is necessary in the metabolism of carbohydrates, it helps to generate energy for our body’s cells. Without enough levels of vitamin B5, our body’s immune system is weakened and is dangerous for the forming of free radicals and cell abnormalities.

2. Poor circulation
Our liver is the first line of defense by secreting bile into the digestive system to produce good cholesterol, which helps to inhibit the bad cholesterol in the arteries. Without enough vitamin B5, bad cholesterol is left unchecked causing difficulty for blood circulation.

3. Increased risk of over-active uterine muscles
Liver helps in metabolism of fat. Without enough vitamin B5, it causes hormone imbalance in the prostaglandins family leading to over-reaction of uterine muscles which in turn causes abdominal pain.

4. Increased tension of nervous system
Fat and protein are important for nourishing the cells in the nervous system. Low levels of vitamin B5 weakens the brain cell’s function. This leads to symptoms of endometriosis such as anxiety, mood swings, and depression.

5. Increased risk of allergic reaction
Insufficient vitamin B5 in our body causes deficiency in co-enzyme A which is necessary for our body to react to sudden substances that enter our body, causing violently allergic reactions.

6. Acne
Fatty acid metabolism becomes less efficient and the individual is more prone to have acne.

7. Hormonal imbalance
Besides helping to reduce acne, vitamin B5 also interacts with other members of the vitamin B complex by increasing the function of the adrenal glands which is necessary to balance hormones and promote normal growth of the body.

F. Vitamin B6
I.Definition
Vitamin B6 is water soluble and a member of vitamin B complex. It plays an important role in amino acids metabolism that helps to maintain the proper function in our body.

II. Endometriosis and Vitamin B6
1. Hormone balancing
Vitamin B6 is essential for the production of the right levels of prostaglandins hormones in the prostaglandins family. Deficiency of vitamin B6 causes over active uterine muscles resulting in endometrial cramps.

2. Estrogen inhibitor
Vitamin B6 helps the live in protein and fat metabolism, thereby increasing the production of good estrogen that inhibits the bad estrogen produced by the body resulting in hormone re balancing and decrease the risk of cell abnormality and cancer.

3. Anemia
Vitamin B6 increases the production of red blood cells that usually are depleted for the women with the heavy menstrual flow during menstruation.

4. Nervous system
Our nervous system requires variety of nutrients to function daily, vitamin B6 helps not only maintain a right levels of cholesterol but also increase the circulation of nutrients to our nervous system needed resulting in decreasing the symptoms of endometriosis, such as memory loss, confusion and anxiety.

5. Cell Growth
Vitamin B6 aids in the synthesis of DNA and RNA by maintaining the proper cell division and preventing cell abnormal growth such as peritoneal cells developing into endometrial cells.

G. Vitamin B12

I. Definition
Vitamin B12 is a water soluble vitamin and a member of vitamin B complex. It plays an important role in treating women with endometriosis, such as reducing symptoms of endometriosis during menstrual cycle, maintaining protein and fat metabolism, avoiding iron deficiency, etc.

II. Endometriosis and vitamin B12
1. Anemia
Women with endometriosis are found to have low levels of vitamin B12 during menstrual cycle for what ever reason. Deficiency of Vitamin B12 deceases the production of red blood cell in the blood stream causing depletion of levels of iron in the blood leading to anemia.

2. Nervous system
Vitamin B12 is vital for protein and fat synthesis that helps to strengthen the function of nervous system resulting in lessening the nervous tension such as irritation, loss of memory, depression and mood swing.

3. Insomnia and fatigue
Besides helping in protein and fat synthesis, vitamin B12 also play an important role in carbohydrate metabolism that helps to provide energy for our body function and aids in insomnia and fatigue.

4. Immune system
Liver required vitamin B12 to function properly, deficiency of vitamin B12 causes enlarged liver resulting in decreasing the function of liver in fighting against environment toxins leading to high levels of bad estrogen in the body resulting in menstrual cramps for women with endometriosis.

5. Cell abnormality
Vitamin B12 is vital for the synthesis of DNA. Deficiency of vitamin B12 increases the risk of abnormal cell growth in the body such as endometrial cells growing somewhere else in the abdomen.

H. Biotin
I. Definition
Biotin is one of the members of the vitamin B complex. It is also known as vitamin H or B7. Vitamin B7 is a co-factor in the metabolism of fatty acids, leucine, and in gluconeogenesis. It has a chemical structure formula of C10H16N2O3S. Deficiency is extremely rare, as intestinal bacteria generally produce an excess of the body’s daily requirement but for what ever reason, women with endometriosis are found to have low levels of biotin.

II. How biotin helps in treating endometriosis
1. Cell abnormality
Biotin acts as a co-factor with the other members in the vitamin B complex. It plays an important role in managing the body’s cell growth. Without enough biotin, it causes cell growth abnormality such as the forming of perinatal cells into endometrial cell in the abdominal regions.

2. Poor blood circulation
Since biotin helps in gluconeogenesis, it regulates the sugar levels in the blood stream. Without enough levels of biotin, the level of blood sugar rises causing the thickening of blood which reduces the circulatory function and blocks the transportation of nutrients and oxygen to our body’s cells. This results in an increased risk of symptoms of endometriosis.

3. Endometrial cramps
Since biotin is necessary in the metabolism of fatty acids, it helps to maintain levels of prostaglandins. Deficiency of biotin causes some members in the prostaglandins family to be over-produced during the menstrual cycle leading to menstrual and endometrial cramps.

4. Respiratory problem
Since biotin helps to synthesize carbon dioxide, without enough biotin it causes shortness of breath in women with endometriosis.

5. Risk of heart disease and stroke
If the liver cannot produce enough bile to generate good cholesterol because of not enough amounts of biotin in the body, it leads to cholesterol building up in the arteries causing the thickening of the arterial wall and the blockage o circulation of blood resulting in an increased risk of heart disease and stroke.

6. Weaken function of nervous system
Since biotin acts as a co-factor with other vitamin B complexes in the metabolism of protein, deficiency of biotin interferes with that process. It weakens the normal functions of cells in the nervous system leading to tension of the nervous system such as anxiety, dizziness, loss of memory, and depression.

I. Folic Acids
I. Definition
Folic acid is one of the members of the vitamin B complex family and is a water soluble vitamin. It also known as vitamin M or folacin. It’s major function is to maintain normal growth and DNA of our body’s cells. It has a chemical structure formula of C19H19N7O6.

II. How folic acids helps in treating endometriosis
1. Anemia
Since folic acid deficiency limits cell division, women with endometriosis with heavy blood flow during menstruation are required to take enough folic acid to help in production of red blood cell. If not, it will lead to megaloblastic anemia.

2. Cell abnormality
Since folic acid is necessary for cell division, deficiency of it will lead to abnormality of some cells in the body. Some endometrial cells may become cancerous or grow into endometrial cells in the abdomen.

3. Protein synthesis
Folic acids interact with other members of the vitamin B complex family in the metabolism of protein. This helps to provide nutrients to the cells in the nervous system. Deficiency of folic acids cause the weakening of the nervous system leading to symptoms of endometriosis.

4. Abnormal cell growth
Folic acid is essential to normal DNA replication, DNA repair, and cell division. Deficiency of folic acid interferes with cell production and cannot repair the damage of cell caused by toxin accumulated in the body leading to abnormal cell growth.

5. Heart disease and stroke
Deficiency of folic acid may help to decrease the circulating level of homocytesteine in the blood. Study shows that high levels of homocysteine in the bloodstream damages coronary arteries or makes it easier for blood clotting, resulting in an increased risk of heart disease and stroke.

6. Endometrial cancer
Since we already know that adequate levels of folic acid helps in the synthesis, repair, and functioning of DNA. Deficiency of folic acid may result in damage to DNA that may lead to cancer.

J. Choline
I. Definition
Choline is a water soluble vitamin and belongs to the group of vitamin B complexes. It was discovered by Andreas Strecker in 1864. It is used in traditional medicine in treating heart and liver disease caused by choline deficiency.

II. How choline helps in treating endometriosis
1. Strengthens the immune system
Deficiency of choline causes fat to be deposited into the liver and reduce the function of liver to fight against the abnormal forming of endometrial implants and adhesion in other parts of the body causing inflammation.

2. Reduce risk of heart diseases
Women with endometriosis are found to have low levels of choline during their menstrual cycle. The causes of deficiency are still unknown. Choline interacts with other members in the vitamin B complex family to help in carbohydrate, protein and fat metabolism which are necessary to provide energy and nutrients for our body. It also helps help to strengthen the liver in bile production, which helps to reduce the level of bad cholesterol resulting in decreasing the risk of heart diseases.

3. Increase function of nervous system
Since choline is a chemical precursor needed to produce the neurotransmitter acetylcholine, it helps to enhance the various congestion systems within the brain resulting in an improved function of the nervous system leading to reduced symptoms of endometriosis such as memory loss, poor concentration, anxiety, and mood swings.

4. Balancing hormone
Deficiency of choline causes abnormal functions of the liver. Since the liver plays an important role in fatty acid metabolism, deficiency of choline weakens the liver function resulting in excessive estrogen produced during menstrual cycle leading to hormone imbalance and endometrial cramps.

K. Vitamin C
I. Definition
Vitamin C is also known as L-ascorbate. It is a water soluble vitamin with a chemical structure formula of C6H6O6. It cannot be stored in the body for more than 24 hours and we are required to take it regularly. It is also best known for it’s antioxidant property in strengthening the immune system.

II. Vitamin C and endometriosis
1. Immune system
Vitamin C plays an important role in strengthening the immune system because of it’s powerful antioxidant property. It helps to guard our body against the forming of free radicals and abnormal growth of endometrial cells in other parts of the body.

2. Increase absorption of digestive system
Most women with endometriosis are found to have deficiency of some kinds of vitamins and minerals such as vitamin B complex, folic acid, zinc, and magnesium. Increasing intake of vitamin C not only helps to improve digestive absorption, but also increases the body’s function in fighting against all kinds of diseases including endometriosis.

3. Hormone balancing
Besides helping strengthen the liver function to balance the estrogen level during menstrual cycle, vitamin C also balances the level of prostaglandins hormones in the prostaglandins family resulting in the calming of over-active uterine muscles.

4. Reduce heavy blood flow and blood clotting
Vitamin C not only helps to protect the breaking off of the capillaries that cause heavy blood flow for women with endometriosis during menstruation but also prevents blood clotting caused by reduction of prothrombin, thrombin, and thrombokinase concentrations in the body.

5. Decrease infection and inflammation
Vitamin C helps in protein metabolism. It not only provides our body with certain necessary proteins but also blocks the synthesis of vital proteins that cause infection and inflammation.

L. Vitamin E
I. Definition
Since vitamin E is a fat soluble vitamin, it can be stored in our body and we don’t require to take it regularly. It is best known for its powerful antioxidant property.

II. The effects of Vitamin E in women with Endometriosis
a) Immune system
Since vitamin E is an antioxidant, it helps to increase liver function in fighting the forming of free radicals, abnormal cells and cancers. In endometriosis, it prevents the growth of abnormal endometrial to form implants and adhesion in other parts of the body excluding the endometrium.

b) Cell protection
Since vitamin E protects the fatty acid against degradation in the human body, it helps to prevent against the oxidation in cell membranes and cellular regions resulting in protecting against the breaking off of the capillary wall causing heavy blood flow during menstruation.

c) Red blood cells
Deficiency of vitamin E in women with endometriosis were also found to have anemia. It is caused by the faster than normal aging of red blood cells because of oxidative destruction of red blood cells.

d) Nervous system
Since we already known that vitamin E is essential for increasing the ability of red blood cells to carry oxygen in the circulation system, it helps to nourish the brain cells fighting against symptoms of endometriosis such as mood swings, anxiety, and depression.

e) Hormone imbalance
Deficiency of vitamin E also interferes with normal functions of thyroid and pituitary glands causing the increase of levels of fatty acids resulting in endometrial menstrual cramps which in turn result in the over-production of certain prostaglandins hormones.

M. Vitamin K

I. Definition
Vitamin K was first discovered by Danish scientist Herrik Dam in 1929. It is a fat-soluble vitamin. It is best known for its ability of protein synthesis and blood coagulation. Dietary deficiency is extremely rare because it is produced by bacteria in the digestive system. Since it is fat soluble, it can be stored in our body and we do no need to take them regularly.

II. How vitamin K effects women with endometriosis
1. Nervous and circulation systems
Vitamin K helps to convert glucose into glycogen which is essential for improving the liver function in fighting against the forming of bad cholesterol accumulated in the blood stream causing high blood pressure, making transportation of oxygen more difficult to the body’s cell, increasing the risk of heart disease and elevating tensions of nervous system. Glycogen can be stored in the liver, muscles, and can be used in case of deficiency.

2. Abnormal bleeding
Vitamin K also helps in production of prothrombin which is an important substance for blood clotting. Women with endometriosis were found to have vitamin K deficiency leading to heavier than normal bleeding during menstruation.

3. Immune system
Since vitamin K helps to strengthen the liver’s function, indirectly it protects our body from environmental toxins that cause abnormal endometrial implants and adhesion growing somewhere else other than the endometrium as we mentioned in the other articles.

4. Cell Growth
Vitamin K is also said to be an important vitamin that helps to regulate the cellular functions including cell adhesion, cell proliferation, and protection against the cell’s cytoskeleton to break up the membrane and bulge outward causing the loss of membrane asymmetry and attachment. Deficiency of vitamin K may cause an increase in the risk of irregularity cellular growth, such as endometriosis.

5. Anemia
Since vitamin K deficiency causes heavy bleeding for women with endometriosis adhered to the abdominal region leading to anemia as a result of depletion of red blood cells in the body or inability of the body to produce more red blood cell to cover the loss during menstruation

Since endometriosis is treatable and manageable by natural remedies and a self help course, if you have endometroisis, please look on the bright side.

Business finance training refers to programs that teach individuals how to handle various financial duties. Finance training is similar to finance tips in that both help business owners make better monetary decisions, but training programs offer a more detailed explanation of finance strategies. Training programs vary in price and can be used by the owners and employees of a business.

The most basic business finance training provide information on budgeting, preparing financial statements, managing cash flow, strategizing, forecasting, improving performance, and applying basic procedures and concepts to more effectively manage a business. These programs are recommended for new business owners to help them understand standard business practices. Once these basic methods are mastered, more specific financial training may be looked into.

Advanced business finance training delves more deeply into a certain financial procedure or concept, usually at a higher cost than basic programs. Advanced programs may teach business owners how to set up effective business models, make decisions based on quantitative analysis, manage and control accounts, practice due diligence, measure productivity, and strategize concerning mergers and acquisitions.

Taking part in any kind of business finance training gives a business owner the resources to make more intelligent business decisions that result in increased productivity and profits. Many different types of courses are available either online or at a specified location. Some programs may even offer the option to train at the business. Taking into consideration the needs and abilities of a business is the key to finding the best business finance training.

A business finance solution generally refers to methods of funding and maintaining the finances of a business. Most solutions involve ways of obtaining working capital, but others also offer ways of protecting and increasing that capital.

To obtain working capital, business owners look to finance solutions that offer funding by several different means. The most common means are loans and financing. Asset-based loans use a business’s assets, such as inventory and equipment, as collateral. A business may also opt for a property loan in order to acquire commercial space. Invoice financing, such as factoring, involves liquidating or selling a business’s accounts receivables in exchange for quick funding. Some businesses look to trade financing to supply their inventory. The business will tell its financer the amount and cost of goods needed, and the financer will pay for the goods. The business then repays the amount financed over a specified period of time.

Most companies that provide business finance solutions also offer ways to protect and increase a business’s capital. Credit protection safeguards a business from daily risks, such as customers not paying on time, so that the business does not suffer incredible losses. This makes it much easier for the business to borrow money in the future, and it protects the balance sheet. A finance solution may also offer business insurance plans that increase the stability of a business. The most common types of business insurance are employee and public liability, car, property, and health insurance. These business finance solutions are designed to protect businesses against potential losses.

Market Driven Innovation (MDI) is designing, managing and implementing your innovation process based on the needs and wants from your key markets. MDI is not new, but still today, many companies have found it difficult to transform their innovation work from their entrenched technology and product forward approach they have been using to a market back approach. Often, their entire business processes have been built around their assets and products they produce and their go-to-market strategy based on their historical sales experiences. The result of this behavior is premature commoditization of their value propositions, their most important assets. Market Driven Innovation is based on a strict set of principles:

o Engineering/technical resourcing decisions are made based on a validated market need and an attractive business case.

o Organizational Focus is achieved from understanding market segments and targeting the most attractive segments for growth

o A cross-functional team approach, marketing, technical, and sales all contribute to the growth initiative together, and thus are aligned on the strategy:

o Accelerated ramp up after launch from a higher operational knowledge of the market

o Accelerated technology development because better design specifications from a segmented market

o Driven by business leaders who make resource allocation decisions consistent with the strategic direction of the business, and link development to marketing process.

Market Driven innovation begins with a business orientation towards specific and targeted markets. These markets define strategy which defines resource allocations especially those resources dedicated to the innovation process. In this context we define innovation as the creation of value, and Market Driven Innovation as placing emphasis on customer values, beginning with choices as how a business goes to market; to how they position their brand and products in those markets they proactively choose to serve; to the nature of their product improvements; and to their search for new products and services that may more effectively meeting the emerging future needs of their targeted markets.

Identifying these target markets is core to Market Driven Innovation. Understanding what drives market growth and major unmet needs of the key market players as well as how they define value and establish the basis for generating growth ideas and concepts – straight from the market. These ideas and concepts are the genesis of the innovation process. The more market back concepts, the more opportunities for successful growth. Knowing target markets enables a business to:

o Design, communicate, and deliver more robust value propositions aimed at specific market segments

o Capture more of the value we provide because they can measure the value and make strategic pricing decisions that are consistent with their marketing strategy.

o Apply resources more effectively where they bring value by focusing them only on where value is identified.

o Develop and bring new offerings to the market faster because they know what the market values and how to deliver their offering based on value.

o Evaluate new markets where they can bring more powerful value propositions and new offerings

These elements of business design when generated from a market back learning model, form the basis for a market driven organization, and more specifically, Market Driven Innovation as a core driver of your growth process:

o Provides business management with facts from direct contact with the marketplace to decide which concepts merit moving forward with resourcing.

o Balances depth and speed in this disciplined approach using an organized set of activities.

o Enables cross function teams to develop a common understanding, direction, and shared values throughout the innovation cycle

o Enhances chances of success

Voice of the Customer (VOC) captured early and operationally is an essential component of creating and delivering value with the growth process. Capturing VOC is not a trivial or casual activity, and well thought our and designed VOC is critical to Market Driven Innovation. Effective VOC requires:

o Learning Customers desired outcomes – what they want to happen to help them become more successful.

o Getting to Fact based and data driven information that can be translated into offering features that address the customer outcomes.

o Clearly identifies the benefits the customer will receive and thus the discrete value they will place on an effective solution to them.

o Must be well understood by both marketing and technical in the same way with an aligned sense of the relationship to strategy and core competencies.

VOC is the work you do and do well before you even think of applying technical resources to do product development work. In this regard, you don’t misuse valuable and limited technical capacity. Technical people need to focus on projects that have been market validated both to focus their limited resources and provide them with advanced market specifications that help accelerate the development cycle.

To this end, as we will discuss more later, you engage your technical resources along side of your Marketing people to co-learn VOC, and thus both are better prepared to do their work that is defined by your targeted markets. In this way our resources are aligned from day one of an innovation effort through to launch of a new offering. A key outcome of an aligned and shared approach is achieving success faster and at less overall cost. No wasted costs as a result of false starts and lingering stops.

The three key components or a successful change to market oriented MDI are:

o Creating The Right Mindset – Leaders set the agenda

o Building the necessary skill set – A common framework for implementing

o Providing the best toolset – Fact based information guides decisions

Incorporating all three into the business process is a requirement for successful transformation to a market driven organization. It’s as straight forward as knowing where you are going, how to get there, and a map to take you there. We will discuss each of these three success drivers in more detail below

Creating the right mindset

Leaders must take charge of the agenda beginning with examining and changing how they lead, what marketing and technical practitioners do differently, and most importantly, how they work together using a rigorous framework from concept selection through to offering commercialization. Leadership owns the MDI process highlighted below. The first two levels in the process, Concept Development/selection and Market Validation are the critical elements. In this model, Leadership does not resource technology development until sufficient market evidence and validation provides the basis for resourcing. Technology resources only work on market validated concepts. Leadership’s ownership of the process means they:

o Demonstrate the value and set expectation

o Focus and align the organization around strategic direction and core capabilities.

o Identify, and guide the performance requirements necessary to generate the profit results.

o Organize people to assure the right combination of organizational strengths are applied to both know and act effectively on markets.

Three crucial questions are answered in market validation and business case development:
1. Is there an external basis for believing the concept has sufficient value to the market to proceed?
2. What is the best validated value proposition that sets the design basis for development?
3. Can we make money from developing and commercializing this value proposition?

Building the Necessary Skillset

The Innovation provides the basis for skill development and tool utilization. Each element of the framework requires specific work designed to deliver decisions to move from one element to the other. A short description of the work elements are describe below.

Concept Development and selection: Developing and characterizing concepts (sometimes called the “Fuzzy Front End”). Idea generation methods are generally well-known and most work well enough to assure a good set of concepts to evaluate. What we uniquely require is a concept characterization approach that helps the evaluators better understand and choose among several concepts.

Market Validation: Once a project has been chartered, a decision (stage gate) is made to resource to development and includes four key components, validated market landscape; Value Proposition Development; Competitive Alternative Assessment; and Business Model Evaluation. A validated market landscape identifies and characterizes the market spaces in which the concept may bring value. In this context, it provides the basis for demand, and thus the first real attempt at generating revenue potential. It identifies the key specifiers and influencers, and begins to describe their unmet needs that the concept may address as well as key hurdles that must be overcome to have a successful and sustainable initiative.

The Value Proposition is a description of the value your concept will bring to the targeted market, the benefits the market will receive, and how you will get paid for bringing the value. Value proposition development is the holy grail of marketing. If you learn your value proposition, and it truly brings the market real value, you can build the remainder of your growth initiative around it. Value propositions must be measurable and actionable.

Business Case Development: Before you engage in developing the required technology, answer the questrion – “Can we make money on this value proposition?”. Market Driven Innovation often requires a new way to go to market to accelerate and maximize acceptance and value capture. Value adding chain analysis through to the end user is an important skillset to utilize for business model evaluation. Business models are defined by what customers are selected; how we capture value; our level of strategic control; and the scope of our value proposition. The Business Case should be determined as early in the innovation process as possible. Opportunity modeling can provide the necessary basis for understanding the top line potential and the marketing cost for the innovation.

Technical Development:Effective market validation provides the product developers/designers a clear and crisp basis for building in the necessary design elements into an innovation. We now know the needs (what the market is willing to pay for) and the wants (potential areas of uniqueness). No more starts and stops caused by changing specifications from learning on the fly. Product developers can utilize their best practices with the certainty that they are on the right track. Because we begin the development process with clear market understanding, we now can bring the key customers into the development cycle early and often. We know their testing protocols, and their current standards by the competitive alternative they are using today. We design, we test, we engage the customer to test, we upgrade. Active parallel processing accelerates the development process and we get to launch faster.

Commercial Launch: Preparing for the launch includes the short term developing the marketing entry plan and the marketing mix, and the longer term multigenerational planning. These should be done together since the longer term positioning could have an effect on the launch protocol. The launch plan includes the target market; the offering positioning based on the value proposition; the communications strategy and plan; the channel strategy and plan; the pricing strategy and implementation plan driven by long term optimal pricing decisions. Multigenerational planning (beyond the launch); includes second and third generation offerings; strategy mapping; and a revenue acceleration plan. The managing process and control plan are incorporated into the commercial launch to assure optimum demand creation and delivery

Providing a Useful toolset

The toolset necessary to enable Market Driven Innovation consists of an integrated qualitative and quantitative set that enables the Market Driven Innovation team to successfully address the critical market questions identified in their chartered project. Two interdependent approaches make up the composite of Voice of the Customer (Market Driven). Together, they are designed to answer all the questions necessary to progress through the innovation process defined earlier.

A qualitative market learning tool should be installed to translate concepts into possible value propositions, begin the segmentation process, define the industry structure and dynamics, and expose the relative value vs. competitive alternatives. It also provides the basis for design of the quantitative VOC that follows once a decision is made to proceed to the business case and technical development stages.

A quantitative instrument that captures: concept tests including value elements and price; attribute importance rankings and current performance ratings; outcomes rankings; feature benefits; and competitive ratings. Other pertinent information to assist in segmentation should also be incorporated.

Getting Started With Market Driven Innovation: Market Driven Innovation can either be installed inside a business unit which is structured with both a technical and marketing unit, or can be institutionalized within a corporation as “the way we innovate”. The initiation for each is different given both the breadth and depth the sponsors must address in the change process. It is simpler and much faster to initiate change in an organization that is both ready and organizationally integrated. The leadership can evolve the change live while doing their innovation work by starting with a few projects that are definitive and have a short horizon. As the teams demonstrate success the change process takes on a life of its own and becomes a natural new way of doing work. The basic framework for such an approach is:

o Leadership diagnostic to define both scope and level of change required. Many groups already have an external perspective to their work and thus, change becomes a reinforcement of their beliefs.

o Develop and agree on a project plan to install MDI.

o Training the leadership and team on MDI elements. Utilize one or two projects to exemplify throughout the training. Note: the idea here is just in time training. Teams are trained on each element then they experience the element and move forward to training and experience thought each stage of the process. Prevents training fatigue and accelerates progress towards commercialization

o Select and charter projects.

o Customize framework to fit organizational culture and existing operational approaches and language.

If you really want to become more profitable and improve operations in your company, you have to shift your focus from the following limiting thoughts about technology.

 

  1. If I buy the latest production software we will be in good shape
  2. We don’t do that here
  3. We are unique, we don’t have competition that use technology to help them generate profits
  4. The plan is in my head, people will steal it off the computer
  5. All I need is more sales to make more profits

 

You’ve got to get the right mindset by eliminating restricting thoughts, and then you’ll be ready to improve people, processes and profitability.

Do you ever wonder how a company can start out with just one idea, a passion and a vision, then 10 to 20 years later have thousands of employees and millions in sales?

 

  1. What did these companies do to become so successful
  2. Are the owners smarter than you?
  3. Do they work harder than you?
  4. Did they have better equipment or people than you?

 

No. But they do use better technology tools to drive operation (the people and the process). Operations represent about 60% or 80% of all your overhead costs but they’re the least understood by US businesses.

For decades, the Japanese have focused on operations that have driven innovation and a culture of continuous improvement. In the right small business owner hands, operations and technology can be a competitive weapon.

Now, ask yourself how can your small company— with just a handful of employees and limited resources — turn operations and technology applications into a powerful weapon to beat competition and learn to grow and thrive!

Why invest in technology / What are the benefits

The bottom line is, if you’re suffering from tight cash flow, exhausted lines of credit and top-line growth, then you have weak operations and have underutilized the technology applications onsite or off-the-shelf that can help you.

First step to rapid profit improvement is to start by questioning your employees. They usually know where costly blocks and bottlenecks are hidden.

Technology can store employee survey results that help you to plan profitability.

Employee Questionnaire(sample)

 

  1. Are your interests and ambitions being challenged
  2. Does each department in this company have measurable standard designed to increase profitability? Does each area have documentation of process flows and procedures of how it should work?
  3. Does everyone in this company share the goal of improving the company profits? Does the CEO hold town hall meetings about ‘planned profits’?
  4. Are you regularly told when you do good work?
  5. Do you get the help you need to do a good job?
  6. As an employee, do you feel you can trust your direct supervisor/manager?
  7. Are owner/managers open and honest with employees?
  8. Does the company provide you with continual training in areas that will make you a better employee? Has it trained you on how to cut operating expenses or increase revenue to improve profits in your area?
  9. Are your responsibilities generally explained, well planned and organized?
  10. Is poor performance tolerated by management? i.e., worker performance, operations bottlenecks and customer relations.

The following are other ways business productivity software drives business processes more efficiently to gain optimal results:

Create an open and communicative environment.

By storing appraisal information within a formal database, managers can more easily communicate business strategy and create measurable goals for their employees that will support overall company objectives. In allowing employees to see the whole picture and understand better how individual goals fit into the company’s business objectives. This can create a energized and engaged employees, thereby raising the business productivity of the company.

Motivate your employees using technology.

Based upon the information gathered in an online performance evaluation, managers can compare current skills with those required for advancement or other recognition or reward opportunities that present themselves as the manager tracks progress on employee goals throughout the year. You may also find you need to redirect employees to different departments if you feel their business productivity could increase elsewhere. If there are impediments to better performance, the company should review why it is happening and try to eliminate these through better allocation of resources or additional training.

Monitor business productivity and employee progress on goals.

Business productivity software solutions enable managers to more easily track progress during every phase of goal completion and offer immediate reinforcement or coaching to keep performance and deadlines on track in daily operations, and utilize performance measurements for strategic planning.

Electronic Commerce

There are many business applications related to e-commerce, from setting up your online storefront to managing your supply chain to marketing your products and services. These technologies fall into three main categories:

Business to Business(B2B)

 

  • Purchasing indirect supplies
  • Look for catalogue-based websites offered by suppliers for corporate purchases, similar to business-to-customer websites, for purchasing indirect supplies such as office furniture, pens, paper, and general office equipment.
  • Leveraging your existing Web presence
  • Improve your existing business-to-customer e-commerce website. Greater sophistication can be added into your online store to target your business clientele.

 

Business to Customer(B2C)

The global reach of the Internet has allowed many businesses to sell their products and services online, both at home and abroad. An electronic storefront is a website with many pre-built e-commerce components like electronic shopping carts and secure payment gateways that you can use to set up an online store.

Internet Marketing

Everything you do to promote your business online is Internet marketing. For example, Internet marketing strategies include (but are not limited to) website design and content, search engine optimization, directory submissions, reciprocal linking strategies, online advertising, and email marketing.

How to Implement Technology to increase profits

IT implementation can be a valuable tool for increasing workplace productivity, but without a careful selection of the right technologies for your specific industry and comprehensive employee training, it can also serve to reduce productivity, profitability and employee satisfaction. The return on investment will depend on whether the technologies implemented are right for a given business’ needs and how prepared employees are to use them.

Step 1

Brainstorm a list of business process improvements you may be able to realize from a technological implementation. Your list should include three categories: improvements that you know to be possible, and which are core requirements for your expense; a wish list of things you would like to have, but which may be future development efforts; and a list of things which would transform the way you do business, but which may not be possible. These three targets provide you with a present-day implementation goal, as well as a future development target–and it may be that your transformational goals could be far easier to reach than you expect.

Step 2

Determine whether you intend to develop these technologies using in-house resources, or through outside consultancies. Nearly every major workflow technology requires extensive customization, implementation procedures and training. Small businesses can sometimes get by cheaply using staff members technologically proficient–but mistakes made at the beginning of the process can ramp up costs later on when you turn to professional outside support.

Step 3

Avoid specifying particular technologies if you do not have the technical expertise to evaluate them properly. The purpose of the managerial process at this stage is to define goals and budgetary constraints; non-technical managers who wed themselves to specific technologies too early can miss out on substantial cost savings, and choose a technology not the best suited for the work.

Step 4

Circulate your request for proposals among outside consultants and implementors, or establish an internal process for doing the same among your staff if you are keeping the work in-house. Major technological implementations will not succeed if they are added to the existing workload of an employee. Proper technological implementations can be more than a full-time job in and of themselves. Staff members shifted to technology implementation should have their existing duties moved to other staff resources.

Step 5

Negotiate a time frame, budget and implementation benchmarks with your external or internal staff resources. If you are working with an outside consultant, your contract should include protections against running over budget and over schedule. Likewise, the consultant will protect his own firm by setting specific terms of the work to be completed, and charging you extra if you change them over the course of the contract.

Step 6

Develop an implementation timetable, including the following steps: test deployment to review the work; training, if necessary; a transition phase from the current workflow to the new technology; and production deployment of the completed technology. This last phase is typically followed by an iterative process, in which improvements to the technology are collected from the staff who have direct experience working with it. When budget and time allow for it, apply a new cycle of upgrades to your technology to ensure that you are getting the most out of it.

Money management is not as easy as it sounds. However, in order to lead a happy and successful life, it is a must for each and every individual to manage his or her finances effectively. Managing money effectively doesn’t require any special skills or training, it just requires a little understanding and planning. To help you get started, following are some of the financial tips that will ensure that you live a comfortable and prosperous life.

Plan your budget
Every individual must plan his or her financial budget. You will face times when you will be tempted to make a purchase, which you actually don’t require. However, it’s better to avoid such situations as far as possible. This is more apt in case of youngsters, who tend to spend lavishly on high-end phones, branded clothes and expensive automobiles. However, you should be wise enough and exercise self -control while buying these items. If you do not learn to manage your money at a young age then there is a strong chance that you may face financial difficulties in future.

Create an emergency fund
Irrespective of how much your salary is or how much you are spending, each month you should keep some money separate as an emergency fund. Having such kind of fund will help to ensure that you do not encounter any emergency problem. This fund will act as a cushion in the troubled periods of your life.

Start saving at an early stage
At a young age you can take more risk as the family responsibility is far more limited and thus you must invest in various financial tools that offer high returns. Also, never invest your money in a single financial tool and spread it across various tools to ensure that there is a proper mix of equity, bonds, fixed deposits etc. Also, by investing at an early age, you will be able to save a lot of money for your retirement.

Understand taxes
You must know how the income tax in your country works, so as to save money on it. You should try to invest in various tax saving tools so that you don’t have to pay more income tax. If you have a complicated balance sheet, you must avail the services of a charted accountant. He will suggest you about the various ways through which you can divert your funds, thereby saving money on taxes.

It’s fun to make your own library of classical music recordings and decide which classical composers and their music pieces you would like to include. One way is to do this is to purchase the CDs of your choice from the local chain stores. But the problem here may be the high CD cost the local stores may charge due to the overhead charges. Moreover the local store may not be able to provide you the music piece or the composer of your choice.

You are therefore left to rely on the Internet for downloading music CDs. The Internet is indeed a veritable ocean from where you can take as much music as you like sitting in the comfort of your home. There is a wide margin of choice, and a lot of competition among the vendors too. Therefore with a little search you can download the best quality music of your choice at cheaper rates. Besides the competition and the wide choice, the net vendors of classical music can afford to sell the music at cheaper rates due to the absence of overhead charges that your local store has to bear. Download of music on the Internet also eliminates the shipping charges because you are not asking for the CDs, which can only be sent by post.

You also need to select the right classical music Internet vendor. You should opt for the site that offers to supply you the labels and tracks that you want. It should offer a wide variety and flexible choices, including music by emerging artists in every music genre. You should be able to burn as many CDs as you want, transfer music to MP3 devices or any desktop, portable music player or digital device and also make multiple copies of downloaded music. Your vendor should offer to deliver music in the universally compatible MP3 format, which is the most popular and versatile digital file format. The music should have the highest quality fidelity, and should be downloadable to any platform such as PC, Macintosh and Linux.

With property management firms charging as much as 45% of a rental property’s income, more and more vacation home owners are turning to the Internet to book their rental properties themselves in order to keep more of their rental income.

While websites such as HomeAway have given vacation home owners a new venue to advertise their rental properties, most vacation home owners are finding that these sites alone do not produce enough rentals to keep their properties fully booked. Even worse, vacation home owners are finding that the mundane tasks of replying to inquiries, manually sending out invoices and rental agreements, updating their properties’ availability calendars, and all the other tasks associated with replacing a property management firm all add up to a full-time job.

There are online software management tools for vacation rental properties, though, that can greatly reduce the amount of time you have to spend managing these types of activities.

To help vacation home owners find, book and manage online rentals for their rental properties, here are the top 3 time-saving vacation rental management tools that no vacation property owner should be without.

1. Online Booking and Reservations Management System

If there’s one thing that online consumers have learned to expect, it’s instant gratification. If a potential renter can’t instantly book and reserve your vacation property online, then you are lowering your chances of getting their business.

Websites like HomeAway urge their vacation home owners to “respond quickly! Data shows that owners who respond to inquiries within 3 hours close 57% more bookings than owners that respond within 24 hours.” Just imagine what eliminating response time altogether can do to improve your bookings, then.

With today’s integrated online booking, credit card processing, and reservations management systems, there’s no reason to make your potential renters wait. These best of these services provide renters an instant rate quote, including taxes, and allows them to sign-up and book your vacation rental property instantly using any major credit card.

Some vacation rental management software solution providers offer this service – including setting up the merchant credit card processing on your behalf – with no up-front costs. You just pay a small portion of your reservation amount when a renter uses the online system. If you have multiple websites, make sure to find a provider who allows for their software to be integrated into your other sites, too, so you can centrally manage online bookings for all of your websites through one main interface.

2. Self-Updating Availability Calendars

If you’re like most vacation home owners, in order to find enough renters to book your property as often as you’d like, you have listings on all the large vacation listing sites. You might supplement those efforts with manual postings on Craigslist and even your own personal website that you maintain. Whenever you book a rental you have to log in to each website/ listing and update your vacation property’s availability calendar. That can take a lot of time.

A better way to manage your vacation home property’s availability calendars is to use a centralized, self-updating calendar that’s tied to a booking and reservations system. Whenever you accept a booking through the reservations system, the availability calendar automatically marks the dates booked as unavailable. Once you point all of your websites and listings to your centralized calendar (as easy as inserting a link into the webpage), then all of your listings are updated with the latest availability information automatically – requiring no manual intervention on your part.

3. Electronic Rental Agreements

A big time-saver for the do-it-yourself vacation home owner is electronic rental terms and agreements. If done correctly, an electronic agreement is a legally valid, signed contract. Many vacation rental software providers offer vacation home owners the ability to customize the rental terms and agreements and include agreeing to these contracts an integrated part of the reservations/ booking process – ensuring that your renters have signed and agreed to your terms before they are able to reserve your vacation home.

Looking to online software management tools for the vacation home rental owner can save you time and present a more professional appearance to your online renting activities. Look for a vacation rental software management company that makes installing their management software tools into your existing sites easy. Some providers even offer you the ability to create a website using their service for the most highly integrated looking website possible.

Be sure to do your research, though, as pricing, functionality and set-up activities vary widely among these vacation rental management software firms. In the end, though, using online software management tools for vacation rental property websites like the ones listed above can help increase your bookings through their increased functionality. Plus, they’ll save you time since they’re designed to put your online vacation rental website efforts on “auto-pilot”.

If you have just bought a car then you should know that getting an auto car insurance has been made mandatory by law. Without this you won’t be able to drive on the roads and you will be collecting a lot of driving tickets. Getting auto car insurance is not that difficult; all you need to do is choose the right agency. This is not a daunting task if you are a wise buyer. There are so many insurance agencies to choose form, so finding the right one can be a bit tedious. It is vital that you choose the right agency if you want to save your hard earned money. Making a wrong decision will just make your money go out the window. Not everyone is a perfect driver so there is a possibility of you meeting with an accident. Paying for the repairs can be a bit expensive and at such times having auto car insurance in hand is beneficial. This will help you save your finances.

You really need to shop around to find the right agency and the easiest way to do is online. On the internet you will be able to find an agency nearest to you. You need to make sure that you browse through different websites before you actually settle on one. It can be a bit time consuming, but rushing into this will only make you suffer. So to avoid this you need to take your time and not hasten with this process. Browsing through an entire website will only take a few minutes, but by doing this you will get to know the policies of different companies. You can just choose a company randomly. You should choose the right one and make sure that they have all the services that you are looking for.

On the internet you will be able to compare auto car insurance rates to figure out which one is the most affordable. You should choose an agency that charges an affordable amount and it should also give you full coverage. Before you sign the fine print make sure that you read all the terms and conditions. If you find an agency that provides the required services and coverage then you should certainly take advantage of this. There will be many agencies that will lure you will attractive offers but you should take your time and choose the right one.