The face is of utmost importance in skin care. Facial skin care involves several aspects like care of the general facial skin (the cheek and the forehead), care of the eye-region (puffy eyes) and care of the lips (because lips have specially sensitive skin). A facial skin is generally divided into two broad regions by dermatologists. The first region or the T region encompasses the forehead, the nose bridge, the lips and the chin below the lips. The cheeks and the region beneath the eyes comprise the other main region of the facial skin.The significance of such differentiation in facial skin care regions in most evident in those with a combination skin type. A combination skin type is one of the five classifications of skin types of a face. The other four types are normal skin, dry skin, oily skin and sensitive skin. In a combination skin type, generally the T region is oily and the other region is drier and less oily. The preliminary aspects of a facial care are outlined below.* Cleansing: The skin of the face should be clean. Since face is most exposed to the weather so cleansing is a very necessary part of a facial skin care schedule. Face cleansing is usually done with face packs and cleansing milks. The face packs and the cleansing milks of the facial care can be of both cosmetic and organic origin. The skin being an extremely sensitive canvas, it actually depends upon the person to decide what type of face pack will work best for the skin. Milk is an ideal example of a fulfilling facial care cleansing ingredient. However, while cleansing it is important not to over-cleanse the skin. This is because excess cleansing can even clean away the natural oil secretions that help to naturally moisturize the skin.* Exfoliating and scrubbing: Since the facial skin is always generating a certain amount of dead cells, so exfoliating and scrubbing ensures that the skin is free from the roughness that the dead cells can cause. Face scrubs with tiny grains are more effective as they are more alike the natural grain of the face. Face scrubs with bigger grains can scrub away more than just the top layer of dead cells. Organic options like a half teaspoon of fine grained sugar and flour thrash also act as good scrubbers and are of considerable importance in facial skin care.* Moisturizing and sunscreen: moisturizing the skin is important in facial skin care whether you have normal, oily, dry, combination or sensitive skin. Water is a basic ingredient of causing softness in the skin and moisturizers (cosmetic and herbal) helps to retain this moisture onto the face. Repeated splashing of water on the skin, especially after an exposure to pollution and dirt, ensures that these harmful elements do not get the time of settling down on the facial skin. Sunscreen is an equally important aspect in facial care. Sunscreens help by screening away the harmful UVA and the UVB rays of the direct sunlight.Xtend-Life offers a variety of facial skin care products in both the men’s skincare and women’s skincare categories. The special ingredient Cynergy TK used in all the xtend-life products make the products suitable for all skin types and is especially suitable in fighting the wrinkle lines on the face. Cynergy TK works in synchrony with other active skin care ingredients, like the potent nano-antioxidant Nanobelle Q 10 to make the skin feel younger and fresher.Also, the Xtend-Life anti-wrinkle products has another special organic component called Phytessence Wakame, which is an extract of a specific Japanese Sea kelp. This component inhibits the harmful enzyme hyalurinidase and boosts the generation of hyaluronic acid in the skin to its adequate limits. This assists in making the skin much more younger.The facial skincare products in the women’s category are Age Defense active day cream, Whitening day cream, Restorative night cream, the Eye Contour Serum and the two types of cleansing and moisturizing masks. The deep Active Hydrating Mask and the Deep Active Cleansing masks are available in the men’s category as well. The other two active skincare products for men are Age Defense Active Facial Fluid and the Eye Contour Serum.
Why Your Business Needs Digital Marketing Services
Modern world screams technology from every angle, people are well occupied with their busy and demanding schedules, and don’t have time to look out for different brands, products and upcoming projects through the means of offline marketing, such as: paper-based newspapers, books, communication methods and traditional TV and radio broadcasts. In the current scenario internet and mobile phones are the most picked method to share any information, so when the term Digital Marketing is discussed, customers can access the information any time and any place as per their convenience. Internet and globalization have shrunk the world to an axis point, where people from all over the globe can access the information via computers, tablets or mobiles. Digital marketing is indeed a blessing for the business owners, where they can influence the image of their companies via digital marketing and can reach up to a larger chunk of customers globally.You Should Do Digital MarketingIn the era of technology, where Smartphone rules our life, we feel bound to access the product details online only through, mobiles, computers or tablets. A business turns does not mean the huge traffic on the product website, but that traffic converting to leads or boosting the sales. Online Marketing, is a tool which works on your customer’s psychology with the attractive content, ads followed by various other marketing tactics, Digital Marketing tools and techniques provide business owners the best chances for competition, survival and even for the business boost.Asking Price The first and the foremost reason to opt for digital marketing is, but obviously the cost-factor, which is quite economical, being compared to traditional offline marketing methods. To illustrate the fact a TV ad or newspaper advertisement can cost huge and with no guarantee of being noticed by everybody, on the contrary an email or social media campaign, can reach out to a mass population globally. Reliable Customer’s FeedbackAnother benefit, which really suits the need of the business, is the real-time and reliable customer feedback and reviews to upgrade the services with time. With digital marketing pattern business owners don’t need to spend excessively on surveys and customers’ feedback, but the unbiased information can be attained through internet marketing and ultimately win the customer’s trust. The better revenue growth expectancy of either small or medium enterprises can extend to 4 times much better by using digital marketing techniques, since it lets the product available to go larger and farther reaching markets both locally and abroad.Brand RecognitionOnline Marketing proves beneficial for the brand reputation, with satisfied customers and their real-time feedback, business owners can reach to other potential set of customers. This helps the business owners to make the brand reputation go viral as expected, further opening new doors of opportunities for reaching bigger markets and attain business growth.Conversion OptimizationSince the current era is turning more digital, than people do have the access over their gadgets at every time and business owners can remain available with their product, regardless of their time-zone restrictions and ultimately a larger reach to the consumers would lead to conversion, because the consumer would get what they are looking for a per their convenience. Without conversion, all the traffic would mean nothing and all the other marketing efforts would end in despair. This is the sole reason, why business owners put more efforts towards the digital marketing campaigns.Key Digital Marketing ToolsDigital Marketing can be done in various ways, below mentioned are a few of the major keys, although with the upcoming innovative technology methods, more would be added to this list.
Websites and SEO content
Blogs
Internet banner ads
Online video content
Pay-per-click (PPC) advertising
Email marketing
Social media marketing (Facebook, Twitter, LinkedIn, etc.)
Mobile marketing (SMS, MMS, etc.)
When a customer walks into a shop, the first step he/she follows is to inspect the product and then might leave without buying anything. Undeniably a larger number only come and go and very small groups make a buy. Even if the product website receives tons of website visitors daily or weekly, but none of them ever convert, then it’s alarming, because it leads to clear indication that the business will also cease to exist. Digital Marketing helps the business owners to utilize the tried and tested marketing tactics, which not just attract the superfluous traffic, but highly potential target traffic and would ensure the survival of the business.
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?