Manly Men Skin Care Products – It’s Just Good Business Sense

For too long, the concept of “men skin care products” has been placed on the back burner. For most men, other things just seem to crowd out the idea of “skin care”. The idea of natural skin care for men seems almost sissy. Au contraire mon frere! A face-full of healthy skin is a commodity you can’t afford to waste.So here’s what I’ll do for you. You can read this article, and get practical how-to advice about men skin care products and no one will know! It will be our little secret.Close the SaleMost men have this mistaken idea that men skin care products consist solely of soap, shaving cream, and some aftershave or cologne. The phrase “skincare” conjurs up images of women with cucumber eyes, trying to keep their skin feeling soft and pretty. But what man really cares about “soft and pretty” skin?But I know a lot of men who care about first impressions. They care about being able to close a high-end sale, or confidently lead a group of associates, or give killer-presentations. They care about RESPECT. And respect is harder to attain when you look like your 14, but your really pushing 40. And those little red dots sprinkled on your face and neck certainly don’t help your case.Believe it or not, but a good skin care regimen is actually more important for a man than it is a woman. Women don’t regularly take a sharp blade and scrape it across their cheeks, chin, and neck. That constant irritation can make skin itchy, red and irritated. Throwing on those alcohol-based aftershaves and colognes afterwards can make things even worse.Talk about a solid return on investment! That 30 seconds you take in the morning and evening to properly care for your manly man skin will pay you dividends on your overall health, and your ability to “wow” at those first oh-so-important impressions.A man with a healthy, young-looking complexion (but with an experienced face) is going to feel more confident about that getting promotion, or delivering that effective sales-speak to potential customers. Give yourself an emotional and physical edge on your competitors.Go Below the RadarAlthough they are an absolute necessity in order to nurse razor-burned and irritated skin back to health, high-quality men skin care products are very difficult to find. I say “high-quality” because most of the men skin care products being offered are not specifically designed for the unique needs that a man has.You might as well be putting cucumbers on your eyes too…because your getting the woman’s formula in a new package. If there are any changes at all, it’s most likely just a new scent. At least they’re smart enough to figure out that YOU don’t want to smell like lavender.If, by some miracle, the products were different, I would still not recommend that you use them. Why? Because they are full of chemicals and petroleum-by products that don’t help your skin, and are even worse for your total body’s health.You need natural skin care for men. You need men skin care products that contain healthy ingredients to effectively soothe, and moisturize your skin, nullifying the effects of daily shaving.What are the ingredients you should look for in your natural skin care for men products? Brazilian Babassu wax (as opposed to cancer-giving paraffin), and witch hazel. Both of these act to relieve both the razor burn that you have and the dryness and itching.Natural skin care for men should always include these two ingredients, the witch hazel especially. Look for naturally processed witch hazel, not synthetically re-created.You should also be on the lookout for Capuacu butter as an ingredient, because it is also especially good at treating dry, itchy, inflamed skin. It has even been proven powerful enough to be helpful in healing eczema.As a rule, if the product you’re using isn’t produced by a company that includes all-natural ingredients as part of their mission statement, move on. Go below the radar, and use natural skin care for men products from companies who are smaller in scope.In my experience, if the huge mega-skin care companies would spend just half of their marketing budget on research and development, their products would be infinitely higher-quality.Your Bottom LineIn this economy, it’s important to make the best impressions on your customers, boss, and coworkers. Everyone’s skin (including mine) could use something. If you don’t eat healthy foods, your body will remain unhealthy. If you don’t use men skin care products that are healthy, your skin will remain blotchy, irritated, and wrinkled.Taking 1 minute a day to attend to your skin’s needs is an incredibly simple way to boost your confidence, and maybe even your bottom line. To see the specific ingredients you should look for in your natural skin care for men products (including more details on the ones I’ve already mentioned), and where to find them, visit my website hyperlinked below.

Alternative Financing Vs. Venture Capital: Which Option Is Best for Boosting Working Capital?

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?

Financing Private Home Care

When the time comes that we can no longer take care of ourselves or our loved ones, we definitely need to be prepared. Life is a long journey and we should be ready for the years when bathing, eating, dressing up or even walking are no longer that easy. Most families nowadays rely on caregivers or care providers to assist and take care of their elderly loved ones or family members who have special medical conditions.However, most families also fear losing all their savings or finances paying for private home care services; that’s why they choose cheaper options that in reality are not that comfortable for the patients themselves. In truth, letting our loved ones stay at home and be taken care of there is a lot more beneficial for them. They will feel much better physically, emotionally and psychologically. The good news is that we shouldn’t be scared nor should we hesitate in choosing private care for our loved ones as there are a lot of ways on how we can finance private home care.1. MedicareMedicare normally covers private home care expenses for a specific span of time. Usually, when a patient has recently gotten out of a hospital or a long-term facility, Medicare provides financial assistance so that monitored care can be continued at the comfort of the patient’s home. However, one should take note of the requirements to avail of this benefit. In most cases, the doctor’s order for home care is necessary as well as other supporting documents. Ask your local representative for detailed information.2. MedicaidMedicaid is just about the same as Medicare only that the former’s qualifications or basis of eligibility relies on a patient’s income rather than age and disability. There are also other differences in terms of health coverage but Medicaid is definitely another good way to help you finance your private home care services. Just also make sure that necessary documents are filed and the doctor’s order is noted to apply for financial assistance.3. Social SecurityWhen you’re getting Social Security benefits, you can set some of the amount aside to aid in paying for your home care. You can supplement your Medicare and Medicaid coverage by letting your saved Social Security benefits pay for those expenses that are not covered by the first two.4. Long Term InsuranceMost long-term insurance policies provide assistance for private home medical care. Although coverage varies among insurance companies, you should remember that most of them has or requires a maturity or elimination period before you can avail of specific benefits.5. Veterans BenefitsIf you’re a U.S. Armed Forces Veteran, you may actually qualify for a Disability Pension Benefit that you can use for your home care expenses. This said benefit is mostly termed or referred to as the “Aid and Attendance Allowance”. You can use the internet to search for more information regarding qualifications or procedures on how to avail this benefit.These are just some of the creative ways on how you can finance your private home care services. Not every one of us may be qualified with all the options provided above but it doesn’t mean that we should set aside our loved one’s comfort and wellness for practicality. After all, families can always pitch in and help each other for another loved one who needs the help.