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Innovation Makes Money, Innovation Increases Sales, Create Innovative New Products

Only 5% of new products that are launched annually are truly innovative. Think about that for a moment, 95% of all new product releases are basically knock offs of an industry leader. Another way to state it, the competition beat them to the market and now they are trying to get a piece of an innovative market by copying the competition’s new innovation. An example of this is the recently launched Android, 4G smart phone. This is a perfect example of what I am describing. Apple’s competition saw that Apple produced an innovative smart phone; Apple’s competition saw that Apple pioneered this marketplace; and developed a market for the iPhone. So now the natural chain of events is to knock off the leader’s hot product, by reverse engineering it as soon as they could get their hands on one.

Innovation is the best defense against a recession. I can prove this by using a certain kitchen wares manufacturer that was able to maintain their $100 million in annual sales by adding SKUs, new product. This kitchen wares company was able to maintain that sales level during this recession by introducing new innovative products. While other companies were losing their sales by 50% in 2007 and stopped developing new products; this company maintained that $100 million in sales. The sales of each new product were nothing to write home about. This problem was solved by adjusting inventory levels. In my opinion this was genius.

I shared this product strategy with a sales executive in the glass manufacturing industry and made the comment that this strategy was genius. His comeback was that if this strategy was so genius why doesn’t Mc Donald’s increase their menu? Maybe he did not realize that Mc Donald’s was doing exactly that, extending their menu. During this recession Mc Donald’s went after the Starbucks market by offering their high end coffees and don’t forget that healthy demographic that they are courting now.

As an OEM Project Manager, Product Developer and Salesman for over 20 years my clients and I would simply say, “We have 6 – 12 months to enjoy the profit margins and amortize the tooling before the product is knocked-off and we have to reduce our price to maintain the volume. As you have seen with the iPhone, the answer is to have a version 2 waiting in the wings to release. Currently Apple is releasing their “4G” version of the iPhone; what does this do? It keeps the pressure on the competition to continually play catch up with the industry leader. So what happens when the competition introduces their version of a competitor’s innovation? Margins go down, volume goes down, and your innovative product becomes another commodity sold by price.

So one would have to ask themselves why are there so few innovative product launches when it is innovation that will give your sales force the advantage needed to compete in an ever increasing competitive global marketplace. The simple answer is no vision; fear of failure; not understanding the dynamics of innovation; selling vs. knocking-off; and matching prices are just a few of the reasons a company stays clear of developing new innovative products and prefer to be copy cats. I use to work for an individual whose philosophy was to let the competition do the homework and then copy what they did after the problems were worked out.

So how are innovative products developed? The answer is quite simple; analyze your marketplace and figure out what it is that your clients want and or need in your product. OK, is this easier said than done? It all depends how you think, if your Sales Team is listening to your clients and whether or not your management team is risk adverse and not willing to take a chance. What are the risks involved? If done right the risk is very minimal. The risk is minimal because there is a format to follow and when done right you get your customer’s buy in while the product is being developed. The flipside to this approach is to knock-off your competition’s innovative product.

As a Project Manager / Account Manager for one of the largest OEM speaker manufactures in the world, Foster Electric. Foster manufacturers Apple’s ear buds, and manufacturers products for Sony, Yamaha, Pioneer, Clarion, Kenwood just to name a few. I had clients such as Radio Shack, Fender Musical Instruments, and Wal-Mart. One’s immediate thought is what can be innovative in the world of speaker manufacturing? The speaker industry has been an integral part of the consumer electronics industry. Have you ever been in a movie theatre when the audio went out? Or have you ever watched a DVD without 5.1 Dolby digital sound? The results are amazing; it’s the audio that give the movie the dynamic feel of home theatre.

Innovation is deviating from the norm and creating something that others will laugh at or willing to step out on a limb and take the conceptual leap to design something other than what is in the market. As a Project Manager / Account Manager / Product Designer for an OEM speaker company one of my OEM accounts was Targus Worldwide. If you are not familiar with Targus they are the ones who make travel accessories for laptop computers. I designed the first micro-subwoofer, (Kind of like jumbo shrimp). Targus wanted a portable multi-media system that they could promote for the traveling salesperson to take on the road and make Power Point presentations. The design and the execution was a success. The travel speakers were tested using a mini travel DVD player and the “Top Gun” DVD as the test. The sound separation could be heard transition from speaker to speaker and the deep bass sounds had a definite dynamic to the audio aspect from the laptop.

I have been working on an innovative product for the last 5 years for the iPod market. As a speaker manufacturer I have asked myself what is the hottest audio selling product in the marketplace and how can some other share in its success? With this said one needs to have an understanding of speakers, recording, the iPod and the problems with the iPod. What comes to mind quickly is 1. The ear buds are harmful to ears; 2. The sound sounds small; and 3. There is lost content when CDs are made. The lost content happens when the recording is made during the compression phase of the recording. The missing content circuit is the project name for a very innovative iPod or iPhone accessory. This product has not made it to market. The beauty of it is that it is an old idea, 1960s – 1970s with today’s technology. We came up with two versions, a high end and a low cost version. Does it work, yes!

“An old idea, but with new technology”, now that is what innovation is all about. King Solomon, of the Bible, said that there nothing new under the sun. That being said confirms my statement: “An old idea, but with new technology” is a real formula for innovation. Today’s computer chips along with the development of DSP, Digital Signal Processing allows us to produce products that are only limited to our imagination.

Innovative products warrant higher profit margins; innovative products make your company a player in the marketplace instead of a “Me Too”; and being the innovator puts your company in the driver seat with product development. Some of the best technological developments were simply advanced because it took a current condition and made it better. Whether that better is faster, smaller, remote, combined features, etc is simply an old idea made to function better.

The ipod is nothing more than a walkman of the 1980s.

The iphone took that ipod and incorporated a cell phone to it.

A computerized tablet is nothing more than an 8 1/2×11 piece of tablet paper that is tied to a computer.

The flat screen television is no more than an extension of the televisions of the 1950s.

The home theatre industry peaked in the early 2000s with the advent of affordable flat screen televisions and 5.1 Dolby sound systems. Now the 5.1 speaker systems are built into the flat screens with psychoacoustics processor that reproduce the same effects of the Dolby Digital 5.1 Surround Sound.

Certain innovations were not able to develop until other industries had developed. The Photovoltaic Industry is a perfect example of such a case. The Photovoltaic Industry, better known for the solar panels seen on roofs to warm water, is an example of an industry that could not advance until certain other technologies had advanced first. Advances in Nanotechnology were required to develop the electric producing film that is printed on the glass. The printing technology and the application of the Nanotechnology film on glass did not develop until the turn of the century. This innovative technology, although being used, has not fully matured is on hold until further developments are made in making the conversion of the solar energy more efficient.

The advancement of integrated circuitry and the further advancement to reduce the overall size of the electronics. This miniaturization of electronics was advanced with the wave solder machine and the auto-insertion machine. Although these two advancements were intended to reduce labor. The auto-insertion machine allowed for the accuracy and installation of very very small surface mounted integrated circuits, (electronic components), on printed circuit boards.

The question is which group do you want to be part of; the 5% of truly innovative new product launches with increasing sales or the 95% of new product launches that are knock-offs whose prices are set to match the competition and sell by price instead of selling the price and features.

Jim Purcell has been developing products and project managing since the 1980’s. Developing architectural products, consumer electronic products from table top radios; to powered subwoofers; and construction projects has yielded Jim years of rules of thumbs to follow for successful projects.

Jim Purcell’s experience has taught him many lessons. Some lessons learned from “the project from hell” and some lessons learned from projects and products that were home runs. However, as in life, the best lessons learned were the tough lessons from projects that went bad.

Jim contribution is to share with you the good, bad, and ugly of project management.

Jim has developed “The Golden Rule of Project Management”, a rule that is a statement of the obvious. However, so many project managers ignore this rule only to experience a project that is running them instead of managing the project.

Why Trade Shows Are Crucial When Introducing A New Product or Service – Make Expos Work for You!Our consumer product marketing and product development group just returned from launching two new products at a large trade show in Bologna, Italy. This was a cosmetic-beauty product show, the largest in the world. There were over 3000 vendors displaying their wares, from the largest brands in the luxury cosmetic space to start-up ventures with virtually no sales history. The show was visited by over 100,000 buyers from 120 countries. Our team is a believer in the importance and power of trade show participation. Logistics, planning, budgeting and discipline are crucial in effectively and professionally leveraging participation into a successful outcome. One of the keys to achieving the desired success, even in the most brutally competitive categories such as cosmetics, is for our clients to look larger than they actually are. The big boys in any industry have seemingly unlimited resources. Their display is large, imposing, visually overwhelming when compared to a small company just launching. Pre-show and intra-show promotion for internationally recognized brands is ubiquitous. How can the small company compete? Our theory is that the real excitement at most trade shows is always found in the creative, entrepreneurial small vendors presenting fresh, innovative new offerings. Our clients are indicative of this type of fearless pioneer. They relish the opportunity to take on the giants and out hustle, out maneuver and out work the old establishment names. The two products we introduced to the beauty world last week are totally different in performance and benefits but similar in positioning. One was a skin serum, the other a hair treatment product. There were hundreds of competitive skin and hair care products on display at the Expo, but nothing that approximated our client’s unique usage features. It was interesting and gratifying how often we heard from international customers and distributors that “this is one of the most interesting products we have seen this year”! The fact that our client products were being displayed and compared next to the giant brands only served to differentiate and confirm their uniqueness. Trade shows are not cheap to attend. Travel expenses, booth rental, booth display, shipping and customs, sampling and sales collateral are just some of the expenses involved. International shows are even more costly. Nevertheless, the upside payoff is potentially maximized by the immediate exposure a new product receives. In order to prove a product has commercial appeal, you must place the product where decision makers in industry can see, evaluate and confirm, or disapprove the value of the good or service. This happens best at an industry specific trade show. We met hundreds of interested customers from over 80 countries last week. Some of the largest retail groups in the world spent time in our display booths. How much is that type of exposure worth to a new brand? More importantly, could an unknown start-up reach this quantity and quality of decision makers in any other venue than a trade show? When a new company attempts to reach a buyer, they face barriers to entry. Today, one of the biggest hurdles, and a convenient excuse for inaction, is the internet. Many customers are programmed to accept new product submissions through on-line application only. This is impersonal as well as an abrogation of a buyers true responsibility, which is to look at as many offerings as possible. They can’t buy everything they see, but they should know what is available and freshest and choose their sale inventory from the widest possible universe of products. This type of closed and locked door is best overcome on the floor of a trade show. You meet, shake hands, exchange cards, demonstrate and detail your product or service and discuss price, terms and conditions of sale on a personal, face to face, business-like basis with decision makers that attend these trade shows specifically to discover the new and inventive in their industry. It is why you are there. It is why buyers are there. In the past year alone we have attended and represented clients in trade shows in the following industries: Jewelry Sporting Goods Hunting Fashion Gift Gourmet Foods Wellness Natural Foods House Wares Cosmetics-Fragrance Golf Pool and Spa Hardware We just committed a luxury Swiss jewelry client for participation in the ultra-exclusive Couture Show at the Wynn Resort in Las Vegas this summer. These shows work. For almost 35 years we have experienced the benefits of attending and working trade shows as the single best avenue available to a wide range of clients for launching or expanding their business opportunities. Don’t dismiss the importance and possibilities that this path offers for introducing your product to the widest and most important audience of decision makers. Geoff Ficke has been a serial entrepreneur for almost 50 years. As a small boy, earning his spending money doing odd jobs in the neighborhood, he learned the value of selling himself, offering service and value for money. After putting himself through the University of Kentucky (B.A. Broadcast Journalism, 1969) and serving in the United States Marine Corp, Mr. Ficke commenced a career in the cosmetic industry. After rising to National Sales Manager for Vidal Sassoon Hair Care at age 28, he then launched a number of ventures, including Rubigo Cosmetics, Parfums Pierre Wulff Paris, Le Bain Couture and Fashion Fragrance. Geoff Ficke and his consulting firm, Duquesa Marketing, Inc. ( http://www.duquesamarketing.com ) has assisted businesses large and small, domestic and international, entrepreneurs, inventors and students in new product development, capital formation, licensing, marketing, sales and business plans and successful implementation of his customized strategies. He is a Senior Fellow at the Page Center for Entrepreneurial Studies, Business School, Miami University, Oxford, Ohio. Article Source: http://EzineArticles.com/6122730

Our consumer product marketing and product development group just returned from launching two new products at a large trade show in Bologna, Italy. This was a cosmetic-beauty product show, the largest in the world. There were over 3000 vendors displaying their wares, from the largest brands in the luxury cosmetic space to start-up ventures with virtually no sales history. The show was visited by over 100,000 buyers from 120 countries.

Our team is a believer in the importance and power of trade show participation. Logistics, planning, budgeting and discipline are crucial in effectively and professionally leveraging participation into a successful outcome. One of the keys to achieving the desired success, even in the most brutally competitive categories such as cosmetics, is for our clients to look larger than they actually are.

The big boys in any industry have seemingly unlimited resources. Their display is large, imposing, visually overwhelming when compared to a small company just launching. Pre-show and intra-show promotion for internationally recognized brands is ubiquitous. How can the small company compete?

Our theory is that the real excitement at most trade shows is always found in the creative, entrepreneurial small vendors presenting fresh, innovative new offerings. Our clients are indicative of this type of fearless pioneer. They relish the opportunity to take on the giants and out hustle, out maneuver and out work the old establishment names.

The two products we introduced to the beauty world last week are totally different in performance and benefits but similar in positioning. One was a skin serum, the other a hair treatment product. There were hundreds of competitive skin and hair care products on display at the Expo, but nothing that approximated our client’s unique usage features. It was interesting and gratifying how often we heard from international customers and distributors that “this is one of the most interesting products we have seen this year”! The fact that our client products were being displayed and compared next to the giant brands only served to differentiate and confirm their uniqueness.

Trade shows are not cheap to attend. Travel expenses, booth rental, booth display, shipping and customs, sampling and sales collateral are just some of the expenses involved. International shows are even more costly. Nevertheless, the upside payoff is potentially maximized by the immediate exposure a new product receives. In order to prove a product has commercial appeal, you must place the product where decision makers in industry can see, evaluate and confirm, or disapprove the value of the good or service. This happens best at an industry specific trade show.

We met hundreds of interested customers from over 80 countries last week. Some of the largest retail groups in the world spent time in our display booths. How much is that type of exposure worth to a new brand? More importantly, could an unknown start-up reach this quantity and quality of decision makers in any other venue than a trade show?

When a new company attempts to reach a buyer, they face barriers to entry. Today, one of the biggest hurdles, and a convenient excuse for inaction, is the internet. Many customers are programmed to accept new product submissions through on-line application only. This is impersonal as well as an abrogation of a buyers true responsibility, which is to look at as many offerings as possible. They can’t buy everything they see, but they should know what is available and freshest and choose their sale inventory from the widest possible universe of products.

This type of closed and locked door is best overcome on the floor of a trade show. You meet, shake hands, exchange cards, demonstrate and detail your product or service and discuss price, terms and conditions of sale on a personal, face to face, business-like basis with decision makers that attend these trade shows specifically to discover the new and inventive in their industry. It is why you are there. It is why buyers are there.

In the past year alone we have attended and represented clients in trade shows in the following industries:

Jewelry
Sporting Goods
Hunting
Fashion
Gift
Gourmet Foods
Wellness
Natural Foods
House Wares
Cosmetics-Fragrance
Golf
Pool and Spa
Hardware

We just committed a luxury Swiss jewelry client for participation in the ultra-exclusive Couture Show at the Wynn Resort in Las Vegas this summer. These shows work. For almost 35 years we have experienced the benefits of attending and working trade shows as the single best avenue available to a wide range of clients for launching or expanding their business opportunities. Don’t dismiss the importance and possibilities that this path offers for introducing your product to the widest and most important audience of decision makers.

Geoff Ficke has been a serial entrepreneur for almost 50 years. As a small boy, earning his spending money doing odd jobs in the neighborhood, he learned the value of selling himself, offering service and value for money.

After putting himself through the University of Kentucky (B.A. Broadcast Journalism, 1969) and serving in the United States Marine Corp, Mr. Ficke commenced a career in the cosmetic industry. After rising to National Sales Manager for Vidal Sassoon Hair Care at age 28, he then launched a number of ventures, including Rubigo Cosmetics, Parfums Pierre Wulff Paris, Le Bain Couture and Fashion Fragrance.

Geoff Ficke and his consulting firm, Duquesa Marketing, Inc. has assisted businesses large and small, domestic and international, entrepreneurs, inventors and students in new product development, capital formation, licensing, marketing, sales and business plans and successful implementation of his customized strategies. He is a Senior Fellow at the Page Center for Entrepreneurial Studies, Business School, Miami University, Oxford, Ohio.

Heard About the New Product For Facial Lines Already?

If you are looking out for getting permanently rid of those unwanted and undesirable facial lines, here is some good news for you. With the advent of a powerful new product for facial lines, this is not only made possible but extremely easy to achieve too.

This new product for facial lines is nothing but a wonderful natural skin care cream, but one containing tested and proven ingredients which work on the root cause of these undesirable facial lines and eliminate them once and for all.

The most important ingredients that this product essentially comprises of is Cynergy TK. It is a special wool extract derived from the sheep of New Zealand. It has the property of commanding the body to produce more of the two structural skin proteins i.e. Collagen and Elastin. These proteins are responsible for maintaining the smoothness, firmness and elasticity in the skin.

When it is smooth and elastic, there is absolutely no possibility of facial lines and even wrinkles which usually form as we begin to age. So, this miraculous natural substance maintains the amounts of Collagen produced in the body and hence succeeds in eliminating facial lines completely.

Another useful ingredient is Active Manuka Honey. This special honey derived from the Manuka bush again from New Zealand works by benefiting the health of the skin in multiple ways. It penetrates deep into the skin and provides all the nourishment and moisturization to it, thus keeping it healthy and strong. It protects the skin from free radical damage as well as bacterial attacks. It helps in the regeneration of old damaged cells and rejuvenates and revitalizes them.

It also enhances the production of Collagen fibers and hence prevents facial lines from getting formed. And whatever lines currently exist, they will be gone like they never were and that too in a short while. So huge is the power of these proven natural ingredients. The solution they provide is not only effective but permanent and healthy too. This is in contrast to what a pedestrian skin care cream provides.

Since this new product for facial lines is 100% natural, it is free from side effects and hence absolutely safe to be used on all skin types, even the sensitive ones. With this information in your hand, wait no longer. Start your research for this new product for facial lines containing these miraculous natural agents which can give you a smooth, line-free and beautiful skin for years to come.

 

How to Market a New Product or Service for Your Small Established Business

There is so much to do to successfully market a business, most of the time we hope that our products or services are enough to get us that beautiful repeat business, but what do we do when we need to do a special push of an item?

Website and email marketing
Of course, there is online, plastering your new product or service across your site. Setting a launch date and trying to gain some hype for the new element of your business. Email marketing can deliver consistent results and is a great way to softly contact those who you already know have an interest in your business.

Social media
Slightly easier for companies who are B2C as you have numerous windows that can literally put your message in your customer’s hands. The tricky part is getting the content to go on these networks and to keep up with the trends. Just think about what your USP (Unique Selling Point) is and why people would be interested. The great news is with social media is that it can be quite forgiving to the occasional dull or boring post and so you can test the waters and gradually find your tone.

In house
Get your staff excited about your product and then you will naturally have word of mouth. You could try to incentivise sales of your new product or service with staff rewards. Get a buzz going in the office. Staff that care about what they are doing will work so much harder for you!

Print
Make sure, especially if you are customer facing, that your place of business has lots of beautiful visuals up and around to explain the new feature of your business. This should be linked to leaflets of details that you can give your customers on exit, or you could send to them through the post. For example, you could craftily minimise the product explanation and value down to the size of an attractive plastic business card. Thinking slightly differently, using different materials and defining convention in marketing in small way can really serve to capture consumer’s attention. A business card that is not a business card… interesting.

Networking
Be sure to get in touch with your local Chamber of Commerce as they will be sure to have local small business events. These are the perfect places to meet like minded business professional who may just hold the key to unlocking that new market or a good business contact.

New Product For Facial Lines Has Substances Your Skin Can Actually Use

Wouldn’t it be great if there really was a new product for facial lines that actually made good on its promises. Well, I’m happy to report the product does exist. Allow me to give you important information you can apply to some old-fashion shopping. Once you do this, you’ll be well on your way to finding an anti aging skin care product with substances your skin can actually use.

I probably don’t have to tell you the majority of wrinkle creams don’t work…at least not in any healthy, long term way. The synthetic chemical make up of these products only creates a temporary line-filling effect which lasts until your next face washing.

Companies use artificial ingredients, such as mineral oil, dioxane, parabens, alcohol and fragrances because they are a very inexpensive way to made a product that looks, feels and smells good. But looks can be deceiving. These chemical-based creams are not healthy for your skin.

If you want healthy skin care, it must contain substances your skin can use to stimulate your body’s ability to manufacture collagen, elastin, hyaluronic acid and new skin cells. These healthy proteins and acids are the foundation of a young, beautiful appearance.

When shopping, keep an eye out for clinically-tested reparative proteins (Cynergy TK), natural oils (avocado, macadamia nut, grapeseed, jojoba), vegetable-based waxes and silicones (babbasu), vitamins (natural Vitamin E), antioxidants (Nano-Lipobelle H EQ10) and plant extracts (Japanese sea algae and Manuka honey). The best new product for facial lines will also be fragrance-free.

Think how much healthier it is to put natural ingredients on your face which are safe to eat. As strange as this sounds, you need to be careful since your skin absorbs whatever you rub into it…just as if you had eaten it.

Just be aware if they’re going to be effective, the ingredients, above, must be present in high concentrations. Some cosmetic companies include one or two trace amounts of natural ingredients to justify calling it “natural.” This is a deceptive practice which tries to convince you of the product quality, when, in fact, it’s really a just a jar of “spackle.”

Also, be on the look out for products which say they contain collagen. This man-made “collagen” is useless to your skin cells because their molecules are too large to be absorbed.

Collagen can only be effective when it’s manufactured from within your cells. Stimulating this production is a simple matter of using a product with ingredients which have been clinically proven to be effective in boosting collagen.

Make no mistake about it. You can find a new product for facial lines with substances your skin can actually use. Now that you have the information you need, why don’t you go shopping to find a product with proven effectiveness? If you would like a head start on your search, drop by web site for more helpful information.

Article Source: http://EzineArticles.com/4266325

New Product Advertising

New product advertising looks a little different from what it did 10 years ago. In the past, when a company began new product advertising, they would spend ridiculous amounts of money on marketing through newspaper advertisements and radio spots. Companies would submit a press release and product description to a newspaper or magazine and hope the publication wrote a review. Since then, the practice has changed drastically.

In some ways it has become a little easier. In other ways it is far more complicated. These days, much of the advertising for a product or service is done online. Advertisers are finding that better results are coming from Internet and mobile marketing than through traditional means.

However, with this change, companies that are developing products and services can spend a lot less money on advertising if they have a strong in-house team. The face of new product advertising is changing. While web page and clickable in-app adverts are extremely successful, there are several free alternatives.

Offering Products for Review

Companies can offer a complimentary sample of their product in exchange for a review. For example, a company marketing an organic face cream might submit their press release and product description to a beauty blog or a blog that focuses on green living. There may be a fee for a post, but some bloggers will post a product review in exchange for free samples or promotion of their website.

Using Free Webimercial Services

Another free way to advertise is through producing a webimercial and posting it to sites like YouTube and Vimeo. This allows advertisers and product supporters to share the video with their friends and family without paying for a 30-second television spot. In fact, unlike a television spot, it can’t be missed. Advertisers don’t have to choose the best times to air their commercial, and they don’t have to worry about paying top dollar during primetime or special events. This is a crucial new product advertising method.

Using Social Media

New product advertising has also changed in that companies can choose to purchase pay-per-click adverts or sponsored posts on Facebook or Twitter. While this is a little more complex than free blog posts, it can also be much more successful. Advertising Directors and Marketing Managers can target certain demographics such as age group, location and even taste in music.

There’s no doubt that new product advertising strategy should be based on the product and its target market. If your company’s demographic is more likely to pick up a newspaper than a laptop, traditional methods still apply. When developing a strategy for marketing a new product, advertising executives must use the most cost effective way to advertise the product while also yielding the most lucrative results.

The best practices of new product adverting haven’t changed much. It’s still important to develop a press release, and still important for a marketing department to know what’s best for their product. Much of marketing has, however, gone online. Whether marketing a new product online or through traditional methods, having a strong strategy in place is crucial.

At Long Last There Are New Products For Facial Lines – Get Rid of the Old Ones and Look Great Again

Are you tired of the old products you have been using to get rid of facial lines simply because they just don’t seem to work. You keep applying the same products twice daily for months and you look in the mirror and those lines are still there. What you need is to find new products for facial lines. Obviously the old ones are not effective so you need to look at other products that contain ingredients to give you optimum result.

Your old products probably were filled with chemical ingredients that did nothing to enhance your skin’s appearance. Avoid using these types of products. Check the label of the facial cream you are using and ensure it does not contain chemicals such as parabens, fragrances, dioxane, alcohols, triclosan and toulene. These are chemicals which are harmful to your health and ski as well. Avoid buying products that contain them.

But, how can you tell which new product for facial lines to purchase? Well the first and most important thing to look for is natural ingredients. If you can find products containing natural ingredients then your battle is half won. You should also learn why you are experiencing those facial lines in the first place then you will be able to know what to look for in a product to help get rid of them.

Fine lines and wrinkles appear on your skin as you begin to age this is due to the loss of collagen and elastin, two vital healthy skin proteins. Lines will also appear prematurely if you smoke and spend lots of time exposed to the UV rays of the sun. To protect your skin from these damaging factors you should use a new product for facial lines to eliminate the lines and leave you with smooth, even tone, vibrant glowing skin.

You need essential nutrients in the form of antioxidants, mineral and vitamins to keep your ski healthy and to protect it from free radicals. Free radicals destroy collagen, elastin and skin cells. Antioxidants and other nutrients will help replenish them. To find the best facial cream you must know what ingredients to look for that will be safe and effective in rejuvenating your skin.

Here is a list of some ingredients to look for in new products for facial lines:

Cynergy TK: A proven substance that is natural and known to stimulate your body to naturally produce its own collagen and elastin. You will not need any artificial substances into your system. Cynergy TK has been tried tested and proven to reduce the appearance of fine lines, wrinkles and helps to regenerate new skin cells.

Phytessence Wakame: A powerful antioxidant that is known to keep skin healthy and beautiful. It is an extract from Japanese algae which is widely eaten in Japan for it’s health giving properties.

Nano Lipobelle HEQ10: Another powerful antioxidant which deeply penetrates the skin providing well needed nourishment. Nano Lipobelle HEQ10 is an improved version of COQ10 giving it its ability to penetrate the many layers of the skin and effectively rejuvenate and repair skin cells.

Finding new product for facial lines has just been made easy for you. Do a bit of research and find some awesome products to improve your facial skin.

Article Source: http://EzineArticles.com/4379100

New Product For Facial Lines – Natural Ingredients Will Get Rid of Your Wrinkles

Have you noticed that there is always one new product for facial lines or the other being introduced into the market on a regular basis? That is because the demand for anti wrinkle skin care products is growing by the day. The unfortunate thing is that majority of these new products are not effective because they do not have what it takes.

If you have wrinkles and are looking for a new product for facial lines, it is vital that you know what to look for and what to stay away from. First, do not be deceived by the glossy advertisements that show beautiful models with smooth and flawless skin; you may have noticed that most of the models are too young to even have wrinkles. That is why I do not buy products based on what I see on adverts; I focus on the ingredients contained.

I would also advise that you avoid any new product for facial lines that contain harsh chemicals such as parabens, fragrances, urea, sulfates and mineral oil; these chemicals are toxic to your body and very damaging to your skin. They make your skin dry and contribute to premature aging.

If you really want an effective new product for facial lines, focus your search on natural brands; that way, you will be sure that you are getting something that really works and at the same time safe for your body.

However, you should make sure that the natural brand contains effective ingredients proven to get the job done. Look for ingredients that help to increase collagen and hyaluronic acid in your body; these two vital natural substances are responsible for keeping you skin young looking.

Cynergy TK is a special functional keratin that makes the body produce collagen and elastin naturally; Phytessence Wakame is unique Japanese sea kelp that inhibits the destructive activities of hyaluronidase, thereby boosting hyaluronic acid in your body. Thus, any new product for facial lines that contains these two natural ingredients will help to firm up your skin, remove wrinkles and make your skin look younger and flawless.

Now that you know how to choose an effective new product for facial lines, look for a brand that contains the two natural ingredients mentioned here and give your face the make-over it deserves; for more information on how to keep your skin youthful and beautiful, visit my website.

Discover the best new product for facials lines available today.

Article Source: http://EzineArticles.com/4485900

New Product For Facial Lines Could Do More Harm Than Good

Let’s face it. Consumers are typically willing to try just about any new product for facial lines that the cosmetics companies come up with, which is mainly due to the fact that nothing they have tried before has worked to reduce their wrinkles. You have to be really careful with this try anything attitude, because there are actually a multitude of anti aging skin care products that could cause you harm.

The cosmetics companies swear by the use of chemical additives and preservative in their products, and say that these agents are an absolute necessity. The companies that stock their formulas full of chemicals would like for you to believe that they are there because there is no natural’s compound available that would be as effective in the roles that these chemicals play. They also say that the chemical agents they use are completely harmless to humans.

The truth is that the cosmetics companies are lying to you on both points. The fact is that there are many all natural compounds that would actually serve much better in the role of preservatives and antibacterial compounds than anything manmade can, and they would be completely safe. Any old or new product for facial lines that contains chemical agents in it can take a serious toll on your health.

Chemical agents are simply cheaper to use than all natural ingredients are, and that is why these companies choose not to use them in their products. Their cost saving move could cost you dearly, as a great many of the chemical compounds regularly included in skin care formulas can cause liver and kidney damage, circulatory collapse, respiratory failure, and several forms of cancer.

The sad thing is that for all that you are risking when you try some a new product for facial lines, it is without the possible benefit of any reward. The majority of the anti aging skin care formulas being developed either “freeze your facial muscles, or attempt to transfer collagen, elastin, and hyaluronic acid directly into your skin. Neither of these methods is going to give you any real results.

One of the main goals of any type of anti aging skin care formula is to provide an effective way of raising the user’s collagen and elastin production. Although almost all of the formulas on the market fail in this regard, there is a line of products that can get the job done. These products work by introducing Cynergy TK into the skin, which is a mixture of protein complexes and enzymes that can increase your tissue output dramatically.

The new product for facial lines that provides you with the benefits of Cynergy TK, also offers you combination of ingredients which make it possible to severely cut back on the loss of collagen, elastin, and hyaluronic acid. Phytessence Wakame kelp extract and grape seed oil are able to exert control over the enzymes that attack your tissues and polymer, which helps to preserve these substances in much greater amounts.

I cannot stress enough, be careful when trying a new product for facial lines, because not all of them are of the quality of those with Cynegy TK.

How Crowdfunding Can Help Pay Medical Bills

Crowdfunding can help pay for medical bills… it really is that simple. You can crowdfund for just about anything, including medical bills. Many times people are placed in a medical crisis and aren’t sure where to turn. Medical bills can accumulate in no time and medical bankruptcy is a real thing. You’d be amazed by how many people in “your own crowd” are willing to help.

In a study published in January 2014 from the Center For Disease Control (CDC), one in four families experienced financial burdens of medical care.

This “financial burden” of medical care equates to medical bills that they can’t currently pay and are forced to pay monthly over time.

This study goes on to share that families with lower incomes were more likely to experience the financial burdens of medical care. Those families with incomes at or below 250% of the federal poverty level had the highest levels of any financial burden of medical care.

250% of the federal poverty level (based on guidelines for 2013) means that a family of four with an annual income of $58,875 or lower were at the highest level of the population feeling the financial burden of medical care for a loved one. That’s our middle class America. Those are the families living paycheck to paycheck and not prepared for a medical crisis.

The is a baby with his eyes closed and an oxygen canula in his nose. He was born with a bad heart, a weak immune system, and problems eating which caused a condition labeled by doctors as “failure to thrive”. Isaac spent the first year of his life in and out of hospitals in Las Vegas and at Stanford where he underwent multiple heart catheterizations and procedures, open heart surgeries, and had a feeding tube placed surgically to ensure he received the proper amount of nutrients. Isaac’s family had great insurance, covering 80% of all medical costs. But, they still spent over $100,000 out-of-pocket the first year of his life in deductibles and medical related expenses.

Shocking… right?

I know… My name is Kathy, and I’m Isaac’s mom.

I remember people asking us if they could have fundraisers for us, give us money… they would offer to do anything just to help. At that time, I could not have imagined the costs that we would incur, nor could I imagine all the things that insurance doesn’t cover. You assume that you pay for insurance, you’ll have a deductible… The End.

If that were only so.

Words of Advice:

Start a Crowdfunding Campaign Immediately

Don’t be too humble to let other people offer to help you. You really can’t imagine the costs of things in the medical world and how they add up. It is TOO hard to think about money when you’re talking about the healthcare of someone you love. You want anything and everything done… you’ll worry about the bills later.

From a Mom that’s Been There

Don’t expect the people in the middle of a medical crisis to be thinking clearly (well, I sure wasn’t). If you’re related to the family or just a loving friend… talk to them about the medical bills and the reality of the situation. Talk with them about what they need now and what their needs may be in the future and help them come up with a budget and plan to get everything their loved one needs. From bills, equipment, therapy sessions… even therapy dogs, all these things can be a necessity now or in the future.

How exactly will crowdfunding help pay my medical bills?

Well, they can’t send a check to the hospital for you, but they can offer you a platform that will help you tell your story as well as share it with your friends and family. The right crowdfunding platform will provide support for you all along the way, from guidance writing your story, picking pictures to post, sharing on the social media channels, and even help writing press releases to get national exposure.

Crowdfunding can help you pay for your medical bills by allowing YOU to take care of your family and letting your “crowd” help YOU. Donations will be made by people you have inspired and want to help you. These people will have a platform to donate to you on their schedule and an amount that is within their means. They will be assured that the funds are going directly to YOU and not an anonymous organization.

You are not alone in your medical crisis. Crowdfunding is a viable source for helping to pay for medical bills and other medical related necessities.

The Process of Car Repossession – Understand It So It Doesn’t Happen to You

In a perfect world, things would always go as they should.

Sometimes that’s just not the case.

If you’ve found yourself in a bind or on the verge of falling behind on your payments. The best thing to do is contact your credit card, mortgage or auto loan companies and explain your situation.

Take action

If you have a car loan, you understand the importance of paying your loan on time. If you cannot make your payments on the exact due date.

You are granted a 30-day grace period to make a payment without having this late reported to the credit bureaus.

If you don’t think you’ll be able to make a payment before the 30-day grace period ends or foresee yourself being in a bind that will last longer than 30 days, there is something you should know.

Ignoring calls from your creditor is the wrong route to go.

*While you may feel embarrassed or reluctant to contact your creditor, you are not alone. Thousands of people fall behind on their payments due to financial hardships. The person on the other end of the phone is trained to handle these types of calls and will be more than willing to help you the best way they can.

What should you do?

Most car loans have a stipulation that allows you to defer your payments for a short amount of time while you get your finances situated. Other options besides deferment might be offered such as lower payments until you can make the full payment.

Your options will depend on your specific car loan and terms agreed upon at the time of sale.

If you are currently in good standing:

Call your creditor and explain that you’ve had some setbacks and ask about your options to defer your loan payment until you can make payments. This will usually give you about 2 months to catch up.

If you are currently not in good standing(late beyond 30 days):

Call your creditor back and explain that you’ve had some setbacks and would like to make a plan to catch up on your payments or defer a future payment. Ask about your options to defer your loan payment until you can make a payment. You will usually be asked to make your account at least current up to 30 days before a deferral can be granted.

How will this help you?

Car repossession doesn’t end well for anyone. Not you and certainly not your creditor. Once a car is repossessed, it is usually sold at an auction for a fraction of the cost. This is a lose-lose situation for everyone.

While your loan is in deferment you will not be reported late to the credit bureau as you have made an agreement with the company to pay at a later date.

The downside to this, of course, is that your loan agreement will be extended and you will end up paying more interest in the long run. This is, however, a better alternative to having your vehicle taken.

When can your car be repossessed?

It all depends on the specific car loan you have in place. You are usually considered in default of your loan agreement as soon as you miss a payment.

With that being said, you are granted a 30-day grace period. Some states allow cars to be repossessed after one missed payment. The longer you take to make your payment is one step closer to having your car taken and a serious ding on your credit report.

A repossession will remain on your credit for up to 7 years and hurt your chances of obtaining other car loans in the near future. Even after a repossession, you may still owe the difference between what you owed your lender and what your car was sold for. This is called a deficiency balance. A deficiency balance is usually the norm especially if you purchased a newer vehicle.

Please note that these options are for those experiencing temporary hardships. It is not recommended for long-term foreseeable situations.

All You Need to Know About 2 Wheeler Loan Finance

With growing demand in semi urban and rural areas, 2 wheeler industry is a high growth sector. The industry is estimated to be Rs.6, 000-Rs.7, 000 crore in size. This means there is abundant opportunity for 2 wheeler finance companies. There was limited awareness about financing for a 2 wheeler in the olden days but with the increasing penetration of financial institutions across the country, it has become possible to obtain 2 wheeler finance quickly and conveniently.

Getting 2 wheeler loan finance has become easy. The eligibility criteria, documentation requirement and the process has been mentioned below:

Eligibility:

Individuals above the age of 18.
Salaried individuals who have been employed for more than a year.
Business owners who are running a business for over a year.

Documentation:

Identity Proof
Address Proof
Income Proof
Valid KYC documents
Passport size photographs

Procedure:

In order to apply for 2 wheeler loan finance, the applicant needs to scout the market for various Banks and financial institutions offering the loan. Based on the terms and conditions of the respective financial institutions, the applicant should choose the one that suits his requirements. The application process is quick and transparent. The applicant needs to meet the eligibility criteria in order to apply for the loan. Further, the applicant needs to submit the application form and provide the required documents to the financial institution. The customer executives are friendly and will guide through the entire process of application. The application will be processed within 48 to 72 hours and the loan will be approved in no time.

It is advisable to seek a loan from a trustworthy financial institution. They offer flexible tenure and easy repayment options. With a low rate of interest and a flexible repayment tenure, purchasing a 2 wheeler has become quick and easy. Individuals with a positive credit history can get the loan approved quicker and are also eligible for the special schemes. Once the loan amount has been disbursed, it is not possible to change the tenure and amount, hence it is important to give the loan application a good thought and settle for a repayment tenure which is possible based on the monthly income of the applicant. Financial institutions offer customized solutions to the applicants based on their requirements. Depending on the type of 2 wheeler to be purchased, the loan amount will be sanctioned.

The applicant will only be required to pay a small amount as down payment and the balance can be converted into a 2 wheeler loan which is to be repaid in easy monthly installments. Upto 95% of the on road price of the vehicle is available as a loan to the applicant and the repayment tenure ranges between 12 months to 48 months. With the increasing demand of 2 wheelers across the country, Banks and financial institutions are offering loans which meet the requirements of the consumers and they also settle the terms accordingly.

Some of the Biggest Mistakes When Looking For a Motorcycle Loan

The Essentials in deciding On Motorcycle Loan.

Sometimes the necessity or excitement of owning a motorcycle cast a bad spell on our buying decisions, especially when the purchase form is a loan. So, before making that impulsive mistake only to regret later consider these essential factors when deciding to apply for a motorcycle loan.

  1. Interest Rates:

The moment you think of a loan, the interest rate coupled with it should ring a bell. Most often attract interest rates over shadow the risk factors involved. Always begin with good amount of research and comparison of interest rates. You do not want the burden of high interest rates steal the joy of riding your new bike!

  1. Smart negotiation:

When you are about to make a purchase decision, do not merely focus on the form of payment and negotiate on how you intend to go about it. A smart negotiation effort would include, negotiating on the payment. Payment always precedes the payment method!

  1. Loan Inclusions:

Discuss with the lender all the accessories that the loan is inclusive off. You do not want to pay additional bills besides paying off your loan. The wiser discussion and decision would be to know about the inclusions and the exclusions of the loan you have applied for.

  1. Loan security:

Always consider what is at stake should you face difficulty in paying off your loan. Some lenders hold the purchased motorcycle as the security, failing to pay will mean ceasing your bike. Some other lenders may consider other collaterals as security. Unsecured loan plans are other alternatives but comes with a high cost of increased interest rates. So, your loan security should be well thought through deliberate decisions considering all the risks involved. You do not want to risk something in vain!

  1. Loan penalties:

Pause before you sign your loan agreement. Although knowing the details of the penalties tailed to your loan amount can be cumbersome and you want to skip through it, it may not be the best of your decision. At best, avoid signing loan agreements that come with stringent penalties. A decision in time, saves you from a future disaster!

  1. Easy loan termination:

Most lenders allow early clearance of your loan and some do not. It is best for you to verify the termination policies before you sign that loan agreement. You do not want to pay with interest rates, while you own the money to clear a credit.

Owning a motorcycle is useful as well as exciting, but what is more important is sustaining both while using it. Using the right loan tailored to your needs is worth every effort.

Hidden Advantages of Outsourcing Services for the Car Loan Industry

Let us face the reality that today, we live in a ‘do-it-yourself’ way of life. As they should, people want to show off their auto repairs, home improvement projects, and many other tasks that majority of us would more often not seek professionals to perform the task, as they just prefer to do it by themselves.

It is absolutely a great value in a number of ways. You can gain expertise from your experience. Sometimes, it does not necessarily mean that it is a better way to go from doing something by yourself because oftentimes, it pays more to hand over and look someone for help.

Many of the car loan businesses are beginning to worry about not only getting in the game but also in maximizing their returns with all sizes racing to compete in the lending market. To outsource car loan business services, many industry experts understand that it is often considered more cost-effective.The most obvious reason for doing this is because industries don’t have to hire new staffs or underwriters solely for car loan operations and services. You have to keep in mind that those industries are also avoiding the other expenses related to assisting the infrastructure associated with an internal underwriting team.

But the advantages don’t stop there because there are a number of hidden advantages that many businesses fail to consider when entertaining ideas of outsourcing their car loan business processing that includes staffing and funding. Here are some of the hidden advantages of outsourcing for car loan business:

Increase the Number of Loans that Leads to More Net Profit

Just consider it as any consumer business committing to sales. As this dealer management is all about being able to see, looking for your niche and catering your offers to the biggest needs of your dealers. Better and stronger relationship with dealers and having more dealerships in the network in order to drive portfolio growth is one of the end goals of outsourcing some services when you are in the car loan business.

Improved Relationships with Customers

Your staff will be able to intensify its focus on strengthening relationships with your customers- making visits, gathering feedback and better addressing their needs that will drive growth for your car loan business portfolio.

A Guideline that Allows the Outsourcing Provider to Serve as an Extension of Your Car Finance Team

Your outsourced car loan provider should be able to efficiently, quickly, and easily customize its financing scorecard to fit your representation. By doing this, it guarantees that making a decision for car loan financing is consistent and fits your appetite and business plan.

Access to Consultation and Expertise

It allows your business to avoid common pitfalls that businesses fall victim to when trying to get in-house functions off the ground when outsourcing your car loan business processing. Through outsourcing, those businesses must hire the expertise that is readily available.

After-Hours Process

By waiting until the next business day to respond to proposals, don’t miss out on those deals especially over the weekend when many consumers have time to hunt for motorcycles, cars, and trucks.

It will absolutely offer a significant benefit over businesses with in-house operations that are confined to traditional business hours when you have an access to after-hours processing service.

Are you ready to revolutionize the way you do business? Grow your business by outsourcing.

Systematic and Unsystematic Risks: How to Mitigate Them

There are always risks in the business world. Understanding these risks enables us to seek the most effective approaches to mitigate them. What are these risks and how can they be categorized?

There are two major components of risk: systematic and unsystematic. Let’s explore each risk and learn the best way to mitigate it.

Systematic Risk
Systematic risk, also known as “market risk” or “un-diversifiable risk”, is a result of external and uncontrollable variables, which are not industry or security specific. Generally unavoidable, it affects the entire market leading to the fluctuation in prices of all the securities. The risk can be attributed to a number of broad economic factors such as inflation, changes in interest rates, fluctuations in currencies, recessions, etc.

Since systematic risks cannot be controlled, investors can avoid them by staying away from all risky investments.

Financial Planning- Mitigating Systematic Risk
Systematic risks can be mitigated with certain courses of action. How can they be mitigated?

Asset allocation can partially mitigate systematic risks. Owning different asset categories (i.e. bonds, cash, commodities, etc.) with low or zero correlation helps because they reach differently to macroeconomic factors; some asset categories may increase and others may fall.

Asset allocation should also be adjusted according to valuations. Investments that are overpriced should be avoided or owned less. When mitigating systematic risks within a diversified portfolio, cash may be the most important and under-appreciated asset category.

Another way to reduce systematic risk is through hedging. Investors can use options such as purchasing protective puts on their securities. A protective put is risk-management strategy that investors use to guard against the loss of unrealized gains. Put value will rise if securities value drops. However, options are for a certain time and once they expire, investors need to buy new ones to stay hedged.

Unsystematic Risk
In contrast, unsystematic risk refers to risk factors that are specific to a company, industry and sector, and can be controlled to a certain degree. These factors include a company’s management, financial practices, financial health, and its competitive position in the market.

Financial Planning- Mitigating Unsystematic Risk
Unsystematic risk can be reduced by diversifying. To achieve this, the investor can diversify its product portfolio so the revenues are not solely dependent from a few products only. Much risk is reduced when an investor’s risk is spread among different industries (such as banking or healthcare) and asset classes. For example, if an investor owns a diversified portfolio of more than 10 individual investments as opposed to only one, the damage done to their portfolio is minimized when something negative happens to some of the companies.

Again, unsystematic risk can be nearly eliminated by diversification as it is not correlated to market risk.

Both systematic and unsystematic risks are part and parcel of businesses. Through risk management solutions as mentioned above, these risks can be partially mitigated, and investors will be able to see an increase in portfolio returns and optimization in investment portfolio.

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