1. Sports with running, do not walk
The more fit your body, the more often you are able to have intercourse, with a good or a good idea to follow massage massage therapy penis or penis. A study showed, 78 healthy men but did not actively start practicing aerobics three to five days a week, each for one hour. During the study, each person writes a diary about their sexual activities. The results showed that the perpetrators of sex life was greatly improved aerobic. Meanwhile, their sex life is just a leisurely walk changed little.
2. Stop smoking
Smoking accelerate the formation of deposits in heart arteries, then the same process can occur in blood vessels that supply blood to the penis, nah klo'm so should you follow a massage or massage therapy penis penis. Now that smoking has been seen as a major factor in erectile problem and it starts when you step on the age of 40 years. So stop smoking right now, for the health of your penis
.3. Reduce fatty foods
In terms of food, the importance of limiting fat intake. Once again, logic says that is good for the arteries to the heart's blood supply will also be good for pemasuk arterial blood to the penis. The doctors recommended that the diet to be a mighty man is a low-fat diet, with only 20 percent of calories come from fat. If you eat 2500 calories per day, meaning you limit fat intake is around 50 grams or oleskanlah oil or oil treatment penis to your penis so healthy. To start with the right direction, please label the food you buy, look for poor products without any fat and fat, avoiding fried foods, moved to skim milk and eat enough fruits and vegetables every day, plus approximately 75 grams of fish , chicken, or lean red meat.
4. Pay attention to your rekasi drug use
Hundreds of medications can cause impotence as a side effect, including diuretics, high blood pressure-lowering others, some antidepressants, and antipsychotics, should use it as a natural health therapy or oil penis. Ask your doctor or pharmacist if the drug you take can make trouble.
5. Do not be too fat
Being overweight can cause your penis length decreases. Unofficial studies of some overweight men showed that to some extent, an overweight man who will get back two and a half inches long penis for every 17 pounds of weight removal. This incentive is not bad for someone who really are overweight, obese klo you should follow the medical therapy can also use the oil therapy. Clear, however, maintain an ideal body weight will reduce the risk of high blood pressure and diabetes, because they can damage your erection ability.
doll for sex
Showing posts with label psychology. Show all posts
Showing posts with label psychology. Show all posts
Tuesday, March 23, 2010
Tuesday, March 31, 2009
5 Steps to Help Your Marriage Survive These Tough Economic Times
5 Steps to Help Your Marriage Survive These Tough Economic Times
During these tough and uncertain economic times, marriages are being tested at an all-time high! People are losing jobs or afraid they might lose their job any day! Income is lower than it's been in a long time for most of the country. Companies are laying off people in record numbers. Many marriages are taking a beating due to the stress associated with all this! I work a lot with married couples in the areas of building communication skills and resolving conflicts. Married couples that learn how to communicate during these tough times has never been more important. Some married couples are dealing with feelings of fear and/or inadequacy; some are trying to figure out if they will make it in this home or do they need to sell and downsize until things get better. Here are 5 steps to take to help overcome conflict during these economic struggles.
1. Date Night - (the cheap version) - plan a regular date night. For us it's Thursday nights. Going on a date may seem like you're going the opposite direction when you should be saving money. On the contrary, building a date night into your life is a great way to increase the quality of your relationship. You don't have to spend more money to do it either! In fact, part of the fun might be planning an outing that costs no more then eating at home. Go to a local park instead of a restaurant, take a picnic lunch, chill out together, and just be together. Remember when you were dating? It didn't matter what you did as long as you were together. Also, we all need a way to bring the relationship back together. Life creates distance the moment one person goes off to work. Each of you has different things on our minds; possibly different problems you are trying to solve or navigate through. Being intentional about being together helps bring you back to the oneness you used to experience. If there are children in the picture, find another family that would love a trade off in taking care of each other's children. That's free! (maybe a little crazy, but free) Regardless of the when, where, and how, make the time to be together to keep your marriage growing!
2. Increase the lines of communication between you and your spouse
This is a great time to begin communicating more than usual. Not just small talk, but this is a time to start talking about the matters of your heart. It would be great to provide a safe place for each of you to talk about how this economic situation has affected you individually. A while back, I found a little box with questions inside called a "Chat Pack." I started giving these to clients to take home with them to ask each other when they were on a date. The response was overwhelming! As wild as it sounds, the "Chat Pack" has proven to be successful in helping couples reconnect and rejuvenate their marriage! I use the frequently with couples now, when I counsel.
3. Husbands validate your wife's feelings!
This is not a time to take how your partner's feeling during this time personally. But, rather to listen to the heart of your partner without offering suggestions, fix-it tips, or telling them not to worry. It is a time to move toward them as if what they are experiencing the most important thing to you in the world. Though their concerns may threaten you or make you feel inadequate, learn to listen without interruption. For example, if a woman expresses to her husband that she's uncertain and fearful about what will happen you can:
a. Tell her it's ridiculous to feel that way, which usually diminishes the importance of her concerns and she probably hears that you don't care about what's important to her and that her fears are stupid.
b. Tell her not to worry about it; everything's going to be OK, which again doesn't address her fears; it probably tells her that you think her fears are not worth feeling.
c. You can get angry because it questions your ability to provide and protect your wife…which will push her further away and she will probably emotionally distance herself from you.
d. You can say, "Tell me more about how you feel!" You can tell her, "I have some ideas, but I'm curious what would help you feel secure during these times." This tells her that her concerns, and in fact she, is important to you and you care about her deeply. Chances are this will calm her fears because she knows you are in this together.
4. Women, validate your husband's feelings, too! Men are generally taught not to express their feelings. They are taught that emotions are a sign of weakness. Hiding your emotions may help you close a deal, but it is counterproductive when trying to build an intimate, authentic relationship! Some women can't really handle their man being vulnerable. Men can usually sense that. Most men will do just about anything to avoid being criticized or shut down. So, women, listen to your man and provide a safe place for him to talk about his emotions. If you can't handle being with a man who has some fears, you may need to go to mars to find one without fears…we all have fears and most of us spend a lifetime making sure no one knows!
5. Lastly, confess your faults and forgive each other every time there have been hurtful words between you. Too many people avoid conflicts. Usually, when couples tell me they resolve conflicts, I find out that they actually just stop conflicts; they don't resolve them. In my opinion, a conflict isn't resolved until both partners have confessed their part in the issue and asked for forgiveness. One may apologize for saying hurtful words and the other may need to say "I'm sorry" for having hurtful thoughts! Saying I'm sorry is great, but it does not complete the resolution process and put the issue to rest. I've seen many couples that stop with one of them saying "I'm sorry" and the other either being quiet, saying, "thanks," or saying, "you don't have to apologize for that." That's not resolved! It takes true humility and brokenness (the good kind) to both ask for and give forgiveness, but it's critical. I guarantee you that when partners finally forgive each other, there's a healing balm in the relationship. I always ask them how it feels after they went the extra mile and forgave each other and they always say that it feels better than just apologizing. There is usually a twinkle in their eye and peace in their heart. But, it takes two people that are willing to get over their self-righteousness, their pride, and their arrogance for it to work. But it's so worth it!
It is my prayer that God will use this "economic crisis" to both draw us to each other in building stronger marriages and to Himself as we realize that only He is our only true Provider...
Have a great marriage!
During these tough and uncertain economic times, marriages are being tested at an all-time high! People are losing jobs or afraid they might lose their job any day! Income is lower than it's been in a long time for most of the country. Companies are laying off people in record numbers. Many marriages are taking a beating due to the stress associated with all this! I work a lot with married couples in the areas of building communication skills and resolving conflicts. Married couples that learn how to communicate during these tough times has never been more important. Some married couples are dealing with feelings of fear and/or inadequacy; some are trying to figure out if they will make it in this home or do they need to sell and downsize until things get better. Here are 5 steps to take to help overcome conflict during these economic struggles.
1. Date Night - (the cheap version) - plan a regular date night. For us it's Thursday nights. Going on a date may seem like you're going the opposite direction when you should be saving money. On the contrary, building a date night into your life is a great way to increase the quality of your relationship. You don't have to spend more money to do it either! In fact, part of the fun might be planning an outing that costs no more then eating at home. Go to a local park instead of a restaurant, take a picnic lunch, chill out together, and just be together. Remember when you were dating? It didn't matter what you did as long as you were together. Also, we all need a way to bring the relationship back together. Life creates distance the moment one person goes off to work. Each of you has different things on our minds; possibly different problems you are trying to solve or navigate through. Being intentional about being together helps bring you back to the oneness you used to experience. If there are children in the picture, find another family that would love a trade off in taking care of each other's children. That's free! (maybe a little crazy, but free) Regardless of the when, where, and how, make the time to be together to keep your marriage growing!
2. Increase the lines of communication between you and your spouse
This is a great time to begin communicating more than usual. Not just small talk, but this is a time to start talking about the matters of your heart. It would be great to provide a safe place for each of you to talk about how this economic situation has affected you individually. A while back, I found a little box with questions inside called a "Chat Pack." I started giving these to clients to take home with them to ask each other when they were on a date. The response was overwhelming! As wild as it sounds, the "Chat Pack" has proven to be successful in helping couples reconnect and rejuvenate their marriage! I use the frequently with couples now, when I counsel.
3. Husbands validate your wife's feelings!
This is not a time to take how your partner's feeling during this time personally. But, rather to listen to the heart of your partner without offering suggestions, fix-it tips, or telling them not to worry. It is a time to move toward them as if what they are experiencing the most important thing to you in the world. Though their concerns may threaten you or make you feel inadequate, learn to listen without interruption. For example, if a woman expresses to her husband that she's uncertain and fearful about what will happen you can:
a. Tell her it's ridiculous to feel that way, which usually diminishes the importance of her concerns and she probably hears that you don't care about what's important to her and that her fears are stupid.
b. Tell her not to worry about it; everything's going to be OK, which again doesn't address her fears; it probably tells her that you think her fears are not worth feeling.
c. You can get angry because it questions your ability to provide and protect your wife…which will push her further away and she will probably emotionally distance herself from you.
d. You can say, "Tell me more about how you feel!" You can tell her, "I have some ideas, but I'm curious what would help you feel secure during these times." This tells her that her concerns, and in fact she, is important to you and you care about her deeply. Chances are this will calm her fears because she knows you are in this together.
4. Women, validate your husband's feelings, too! Men are generally taught not to express their feelings. They are taught that emotions are a sign of weakness. Hiding your emotions may help you close a deal, but it is counterproductive when trying to build an intimate, authentic relationship! Some women can't really handle their man being vulnerable. Men can usually sense that. Most men will do just about anything to avoid being criticized or shut down. So, women, listen to your man and provide a safe place for him to talk about his emotions. If you can't handle being with a man who has some fears, you may need to go to mars to find one without fears…we all have fears and most of us spend a lifetime making sure no one knows!
5. Lastly, confess your faults and forgive each other every time there have been hurtful words between you. Too many people avoid conflicts. Usually, when couples tell me they resolve conflicts, I find out that they actually just stop conflicts; they don't resolve them. In my opinion, a conflict isn't resolved until both partners have confessed their part in the issue and asked for forgiveness. One may apologize for saying hurtful words and the other may need to say "I'm sorry" for having hurtful thoughts! Saying I'm sorry is great, but it does not complete the resolution process and put the issue to rest. I've seen many couples that stop with one of them saying "I'm sorry" and the other either being quiet, saying, "thanks," or saying, "you don't have to apologize for that." That's not resolved! It takes true humility and brokenness (the good kind) to both ask for and give forgiveness, but it's critical. I guarantee you that when partners finally forgive each other, there's a healing balm in the relationship. I always ask them how it feels after they went the extra mile and forgave each other and they always say that it feels better than just apologizing. There is usually a twinkle in their eye and peace in their heart. But, it takes two people that are willing to get over their self-righteousness, their pride, and their arrogance for it to work. But it's so worth it!
It is my prayer that God will use this "economic crisis" to both draw us to each other in building stronger marriages and to Himself as we realize that only He is our only true Provider...
Have a great marriage!
For the Wonder Woman in your life
What do mothers, girlfriends and sisters all have in common? No, it's not a joke and the answer isn't a female tendency to nag. It's actually their love of the words 'pamper', 'relax' and 'indulge.' The reason for this is simple. These days, women are overworked. They're nothing short of superhuman.
Women almost always want it all, the career, the family (including the kids), the health and beauty regime and maybe even the qualifications. So, it's not uncommon for a girl to be home-making, studying, working and even finding the time to make the men in their lives smile. Incredible, huh? If there's a wonder woman in your life that can barely sit down for five minutes, get some gifts for her which give her an opportunity to relax and she'll love you endlessly.
Spoil her and let her know how much you appreciate her Wonder Woman ways. She might literally be putty in your hands if you do. After all, a massage is a great way to give a romantic partner a meaningful gift for free! gifts for her should also appeal to her calmer, more nurturing side. That way they could help to take her mind off all the wonderful things she does for other people.
Be Inspired
It's possible that there are things right under your nose which would really help the woman in your life to relax. Sometimes nothing would make a lady happier than having a few things fixed around the house or something else simple, like a night out with the girls once a week whilst the children are looked after!
Not only is a birthday a time when you can spend money on gifts for her, it's also a time when you can give her things which don't cost a penny; just a little of your time or attention. She could be on cloud nine because of something you did which actually cost you nothing. If your wife is the head chef at home why not promise to cook a meal once a week to give her a break? Or even just surprise her with a romantic meal?
At times like this, when we are looking for gifts to give, we often look outwardly, when really we should look inwards and think about our feelings. Then find the easiest way to express them clearly. The best things in life really are free.
Get Her Girlie
Appealing to a woman's 'more girlish side' is the very reason why chocolates and flowers have become such icons of love, respect and romance. Flowers smell sweet and enchant the senses and chocolates are decadent and indulgent. Gifts for her can be far more outlandish, however, just think about the super girl or lively lady you have in mind.
Is she fun loving and active? Perhaps she prefers to cosy in with a cuppa'? You might find that a hot bath is just the ticket to help your female friend relax, or even that an exciting experience day could help her to let her hair down and take things less seriously. Go for something that reflects her personality.
Gifts For Her That Say 'Thank you'
If you're putting plenty of thought into getting a gift for a female loved one, chances are that what you want to say more than anything else is 'thank you.' If you are getting presents for your mother you might want to thank her for washing your smelly socks all these years and raising you so well.
If you're getting gifts for a sister you might like to say thanks for putting up with all that bullying and name calling when you were both little and if you're trying to find the perfect gift for a wife or girlfriend, you're probably saying thanks for loving you and being such an incredible person.
Say it!
Show the woman in question just how much you care and tell them all about it too. For example, you could get gifts for her which literally say it (in personalised text) and carry special meaning for you both such as a bottle of delicious personalised champagne.
If you get a bottle of Champagne with a personalised label it could include a note or 'in joke' shared between you both, or something else which carries significance. These are the little special details that the woman receiving it will want to keep and remember forever.
Champagne bottles can also make excellent keep sakes and make lovely single stem vases or French caftyle candle holders when they're empty. So, whenever she looks at the empty bottle she can be reminded of how much you care about each other and the reason she's such a wonder woman!
For further information, please visit http://www.gettingpersonal.co.uk
Women almost always want it all, the career, the family (including the kids), the health and beauty regime and maybe even the qualifications. So, it's not uncommon for a girl to be home-making, studying, working and even finding the time to make the men in their lives smile. Incredible, huh? If there's a wonder woman in your life that can barely sit down for five minutes, get some gifts for her which give her an opportunity to relax and she'll love you endlessly.
Spoil her and let her know how much you appreciate her Wonder Woman ways. She might literally be putty in your hands if you do. After all, a massage is a great way to give a romantic partner a meaningful gift for free! gifts for her should also appeal to her calmer, more nurturing side. That way they could help to take her mind off all the wonderful things she does for other people.
Be Inspired
It's possible that there are things right under your nose which would really help the woman in your life to relax. Sometimes nothing would make a lady happier than having a few things fixed around the house or something else simple, like a night out with the girls once a week whilst the children are looked after!
Not only is a birthday a time when you can spend money on gifts for her, it's also a time when you can give her things which don't cost a penny; just a little of your time or attention. She could be on cloud nine because of something you did which actually cost you nothing. If your wife is the head chef at home why not promise to cook a meal once a week to give her a break? Or even just surprise her with a romantic meal?
At times like this, when we are looking for gifts to give, we often look outwardly, when really we should look inwards and think about our feelings. Then find the easiest way to express them clearly. The best things in life really are free.
Get Her Girlie
Appealing to a woman's 'more girlish side' is the very reason why chocolates and flowers have become such icons of love, respect and romance. Flowers smell sweet and enchant the senses and chocolates are decadent and indulgent. Gifts for her can be far more outlandish, however, just think about the super girl or lively lady you have in mind.
Is she fun loving and active? Perhaps she prefers to cosy in with a cuppa'? You might find that a hot bath is just the ticket to help your female friend relax, or even that an exciting experience day could help her to let her hair down and take things less seriously. Go for something that reflects her personality.
Gifts For Her That Say 'Thank you'
If you're putting plenty of thought into getting a gift for a female loved one, chances are that what you want to say more than anything else is 'thank you.' If you are getting presents for your mother you might want to thank her for washing your smelly socks all these years and raising you so well.
If you're getting gifts for a sister you might like to say thanks for putting up with all that bullying and name calling when you were both little and if you're trying to find the perfect gift for a wife or girlfriend, you're probably saying thanks for loving you and being such an incredible person.
Say it!
Show the woman in question just how much you care and tell them all about it too. For example, you could get gifts for her which literally say it (in personalised text) and carry special meaning for you both such as a bottle of delicious personalised champagne.
If you get a bottle of Champagne with a personalised label it could include a note or 'in joke' shared between you both, or something else which carries significance. These are the little special details that the woman receiving it will want to keep and remember forever.
Champagne bottles can also make excellent keep sakes and make lovely single stem vases or French caftyle candle holders when they're empty. So, whenever she looks at the empty bottle she can be reminded of how much you care about each other and the reason she's such a wonder woman!
For further information, please visit http://www.gettingpersonal.co.uk
Short Hair Cut: The Trend Of This Era
If you want to look confident and outgoing this summer then nothing can be better than short haircut. A cute short haircut has an assertive, confident glamorous and intelligent style statement. Many Hollywood and Bollywood stars are preferring this short hairdo these days. For instance Meg Ryan’s and Sharone Stone’s tousled short haircuts and Keira Knightly’s gothic bangs style are very popular. And this proves that modern days’ women are liking short haircut with a variations. The variation is partly art and partly technical and it basically depends upon the hair stylist.
If you are brave enough to give up your gorgeous long looks and want to look yourself dramatically different from now, then be brave and do a hairdo that is short but not devoid of being feminine. Short hairstyle gives you a chic, elegant, sexy, sophisticated new look.
But you have to remember that too much difference and change is proportionate to too much maintenance to have your hair look good and beautiful. You can make difference by coloring up your hair or by straightening up your locks or introducing slight curls in it. But the bottom line is after care and maintenance if you want people running out of words as they praise your hairstyle. Choose the right color and style for your new short haircut. A short hair needs right styling and color or else it will not be looking good.
The short hair color looks very sexy and the outdated notion of not being so has long been crushed. And it is true that a short hairstyle reflects a lot of personality. The belief that short hair is devoid of feminine quality is no longer existent. A well-cut short hair emphasizes feminine quality especially if you get chunky layers and softness cut into the style. This looks gorgeous and gives up a great style statement.
Besides these, when you cut your hair short and have a proper styling in that manner, your hair looks thicker and glossier. Shorter hair looks much better and hotter than the dull, damaged ends of longer hair. It is a good choice for women with fine or thin hair. Women having thin hair would face a lot of problem managing their hair if they have long hair cut. But with a short haircut they can manage it more easily and can be much more confident about their hairstyle. They can easily hide their thin or fine hair if they have their hair cut in the proper way. No doubt that short hair is much easy to manage, you can just step into it and go.
It is known to all that wrinkles are more emphasized by the straight lines of long hair, but the softer shape of short hair makes them less obvious. And this is the reason why you look so younger in your short hairstyle. The short hairstyle that suits you and your lifestyle can dramatically change the way you feel and look. Not only that you look younger but also can boost your confidence along with saving a lot of time and money you spend on hair care.
Wednesday, March 18, 2009
Galungan n Kuningan
Sebuah kenangan ternyata tak selalu bisa aku dapatkan.. hay... tumben nich posting bahasa indonesia.. Padahal sering pake englis... tapi englisnya translate ama aja boonk... hahahaha.... hari ini galungan, hari raya umat hindu.. bwt tmen2 di bali met galungan ya.... aku kangen kalian, kangen ramena bali.. kangen lawar, gamelan... ah kangen smuana..
tapi aku ga bisa pulang ne.. aku ga dapet lbur... y maw gmn terpaksa galungannya di jogja kota perantauanku... hohohoh... walaupun di pura rame, tapi masih terasa sepi.. keramaian di bali ga trasa... aku kangen banget bali.. kangen smuana... pengen nangis, tapi malu.. hahahhahahahahaha..... sering2 maen sni ya... biar aku ada tmennya... oke.. ntr postingnya pake bahasa indo dech.. apa perlu bahasa bali..? request aja... ntr tak kasi posting bahasa bali... hahah... yawdh.. aku maw kepura dlu.. sembahyang... oke.... skali lagi aku ucapin MET HARI RAYA GALUNGAN N KUNINGAN PLUS NYEPI JUGA... yang di bali asyik nech.... lburna banyak... hahahahahah....
tapi aku ga bisa pulang ne.. aku ga dapet lbur... y maw gmn terpaksa galungannya di jogja kota perantauanku... hohohoh... walaupun di pura rame, tapi masih terasa sepi.. keramaian di bali ga trasa... aku kangen banget bali.. kangen smuana... pengen nangis, tapi malu.. hahahhahahahahaha..... sering2 maen sni ya... biar aku ada tmennya... oke.. ntr postingnya pake bahasa indo dech.. apa perlu bahasa bali..? request aja... ntr tak kasi posting bahasa bali... hahah... yawdh.. aku maw kepura dlu.. sembahyang... oke.... skali lagi aku ucapin MET HARI RAYA GALUNGAN N KUNINGAN PLUS NYEPI JUGA... yang di bali asyik nech.... lburna banyak... hahahahahah....
Monday, March 16, 2009
How to Successfully Navigate Your Business through an Economic Downturn
An economic downturn is a phase of the business cycle in which the economy as a whole is in decline.This phase basically marks the end of the period of growth in the business cycle. Economic downturns are characterized by decreased levels of consumer purchases (especially of durable goods) and, subsequently, reduced levels of production by businesses.
While economic downturns are admittedly difficult, and are formidable obstacles to small businesses that are trying to survive and grow, an economic downturn can open up opportunities. A well-managed company can realize the opportunity to gain market share by taking customers away from their competitors. Resourceful entrepreneurs capture the available opportunities, from an economic downturn, by developing alternate methods of doing business that were never implemented during a prior growth period.
The challenge of successfully navigating your business through an economic downturn lies in the realignment of your business with current economic realities. Specifically, you, as the business owner, need to renew a focus on your core clients/customers, reduce your operating expenses, conserve cash, and manage more proactively, rather than reactively, is paramount.
Here are best practices that will help you to successfully navigate your business through an economic downturn:
Goals:
The primary goal of any business owner is to survive the current economic downturn and to develop a leaner, more cost-effective and more efficient operation. The secondary goal is to grow the business even during this current economic downturn.
Objectives:
• Conserve cash.
• Protect assets.
• Reduce costs.
• Improve efficiencies.
• Grow customer base.
Required Action:
• Do not panic… History shows that economic downturns do not last forever. Remain calm and act in a rational manner as you refocus your attention on resizing your company to the current economic conditions.
• Focus on what YOU can control… Don’t let the media's rhetoric concerning recessions and economic slowdown deter you from achieving business success. It´s a trap! Why? Because the condition of the economy is beyond your control. Surviving economic downturns requires a focus on what you can control, i.e. your relevant business activities.
• Communicate, communicate, and communicate! Beware of the pitfall of trying to do too much on your own. It is a difficult task indeed to survive and to grow your business solely with your own efforts. Solicit ideas and seek the help of other people (your employees, suppliers, lenders, customers, and advisors). Communicate honestly and consistently. Effective two-way communication is the key.
• Negotiate, negotiate, and negotiate! The value of a strong negotiation skill set cannot be overstated. Negotiating better deals and contracts is an absolute must for realigning and resizing your company to the current economic conditions. The key to success is not only knowing how to develop a win-win approach in negotiations with all parties, but also keeping in mind the fact that you want a favorable outcome for yourself too.
Recommended Best Practice Activities:
The Nuts and Bolts… The following list of recommended best practice activities is critical for your business' survival and for its growth during an economic downturn. The actual financial health of your particular business, at the outset of the economic downturn, will dictate the priority and urgency of the implementation of the following best practice activities.
1. Diligently monitor your cash flow: Forecast your cash flow monthly to ensure that expenses and planned expenditures are in line with accounts receivable. Include cash flow statements into your monthly financial reporting. Project cash requirements three-to- six months in advance. The key is to know how to monitor, protect, control, and put cash to work.
2. Carefully convert your inventories: Convert excess, obsolete, and slow-moving inventory items into cash. Consider returning excess and slow-moving items back to the suppliers. Close-out or inventory reduction sales work well to resize your inventory. Also, consider narrowing your product offerings. Well-timed order placement helps to reduce excess inventory levels and occasional material shortages. The key is to reduce the amount of your inventory without losing sales.
3. Timely collection of your accounts receivable: This asset should be converted to cash as quickly as possible. Offer prompt payment discounts to encourage timely payments. Make changes in the terms of sale for slow paying customers (i.e. changing net 30 day terms to COD). Invoicing is an important part of your cash flow management. The first rule of invoicing is to do it as soon as possible after products are shipped and/or after services are delivered. Place an emphasis on reducing billing errors. Most customers delay payments because an invoice had errors, and therefore, will not pay until they receive a corrected copy. Email or fax your invoices to save on mailing time. Post the payments that you have received and make deposits more frequently. The key is to develop an efficient collection system that generates timely payments and one that gives you advance warning of problems.
4. Re-focus your attention on your existing clients/customers: Make customer satisfaction your priority. A regular review of your customers' buying history and frequency of purchases can reveal some interesting facts about your customers' buying habits. Consider signing long-term contracts with your core clients/customers which will add to your security. Offer a discount for upfront cash payments. The key is to do what it takes to keep your current customers loyal.
5. Re-negotiate with your suppliers, lenders, and landlord:
i) Suppliers: Always keep your negotiations on the level of need, saying that your company has reviewed its cost structure and has determined that it needs to lower supplier costs. . Tell the supplier that you value the relationship you have developed, but that you need to receive a cost reduction immediately. Ask your supplier for a lower material price, a longer payment cycle, and the elimination of finance charges. Also, see if you can buy material from them on a consignment basis. In return for their price concessions, be willing to agree to a long-term contract. Explore the idea of bartering as a form of payment.
ii) Lenders: Everything in business finance is negotiable and your relationship with a bank is no exception. The first step to successful renegotiations is to convince your lenders that you can ultimately pay off the renegotiated loan. You must point out to your lenders why it would be in their best interest to agree to a new arrangement. Showing them your business plan and your action plan that includes your cost-savings initiatives, along with "the how" and "the when" of the implementation of your plan is the best way to achieve this goal. Explain to them that you will need their cooperation to insure that you can survive, as well as, grow your business during the economic downturn. Negotiated items include: the rate of interest, the required security to cover the loan, and the beginning date for repayment. A beginning date for repayment could be immediate, within several months or as long as a year. The key is to realize that your lender will work with you, but that frequent and continual communications with them is critical.
iii) Landlord: Meet with your landlord. Explain your need to have them extend the term of your lease at a reduced cost. Make sure you have a clause in the lease agreement that entitles you to have the right to sublet any or all of the leased space.
6. Re-evaluate your staffing requirements: This is a very critical area. Salaries/wages are a major expense of doing business. Therefore, any reduction in the hours worked through work schedule changes, short-term layoffs or permanent layoffs has an immediate cost saving benefit. Most companies ramped up hiring new employees in the good times, only to find that they are currently overstaffed due to slow sales during the economic downturn. In terms of down-sizing your staff, be very careful not to reduce your staff to a level that forces you to skimp on customer service and quality. Consider the use of part-timers or the current trend of outsourcing certain functions to independent contractors.
7. Shop for better insurances rates: Get quotations from other insurance agents for comparable coverage to determine whether or not your present insurance carrier is competitive. Also, consider revising your coverage to reduce premium costs. The key is to have the right balance-to be adequately insured, but not under or over insured.
8. Re-evaluate your advertising: Contrary to the other cost-cutting initiatives, evaluate the possibility of increasing your advertising expenditures. This tactic realizes the advantage of the reduced "noise" and congestion (fewer advertisers) in the marketplace. The downturn period a great opportunity to increase brand awareness and create additional demand for your product/service offerings.
9. Seek the help of outside advisors: The use of an advisory board comprised of your CPA, attorney, and business consultant offers you objectivity and provides you with professional advice and guidance. Their collective experience in working with similar situations in past economic downturns is invaluable.
10. Review your other expenses: Target an across-the-board cost-cutting initiative of 10-15%. Attempt to eliminate unnecessary expenses. Tightening your belt in order to weather the downturn makes practical, financial sense.
Proactively managing your business through an economic downturn is an enormous challenge and is critical for your survival. However, through well-planned initiatives, an economic downturn can create tremendous opportunity for your company to gain greater market share. In order to take advantage of this growth opportunity, you must act quickly to implement the above best business practices to continue realigning and resizing your company to the current economic conditions.
Copyright © 2008 Terry H. Hill
You may reprint this article free of charge in your newsletter, magazine, or on your website, provided that the article is unedited, and that the copyright, author's bio, and contact information below appears with each article. Articles appearing on the web must provide a hyperlink to the author's web site, http://www.legacyai.com
Terry H. Hill is the founder and managing partner of Legacy Associates, Inc, a business consulting and advisory services firm. A veteran chief executive, Terry works directly with business owners of privately held companies on the issues and challenges that they face in each stage of their business life cycle. To find out how he can help you take your business to the next level, visit his site at http://www.legacyai.com
While economic downturns are admittedly difficult, and are formidable obstacles to small businesses that are trying to survive and grow, an economic downturn can open up opportunities. A well-managed company can realize the opportunity to gain market share by taking customers away from their competitors. Resourceful entrepreneurs capture the available opportunities, from an economic downturn, by developing alternate methods of doing business that were never implemented during a prior growth period.
The challenge of successfully navigating your business through an economic downturn lies in the realignment of your business with current economic realities. Specifically, you, as the business owner, need to renew a focus on your core clients/customers, reduce your operating expenses, conserve cash, and manage more proactively, rather than reactively, is paramount.
Here are best practices that will help you to successfully navigate your business through an economic downturn:
Goals:
The primary goal of any business owner is to survive the current economic downturn and to develop a leaner, more cost-effective and more efficient operation. The secondary goal is to grow the business even during this current economic downturn.
Objectives:
• Conserve cash.
• Protect assets.
• Reduce costs.
• Improve efficiencies.
• Grow customer base.
Required Action:
• Do not panic… History shows that economic downturns do not last forever. Remain calm and act in a rational manner as you refocus your attention on resizing your company to the current economic conditions.
• Focus on what YOU can control… Don’t let the media's rhetoric concerning recessions and economic slowdown deter you from achieving business success. It´s a trap! Why? Because the condition of the economy is beyond your control. Surviving economic downturns requires a focus on what you can control, i.e. your relevant business activities.
• Communicate, communicate, and communicate! Beware of the pitfall of trying to do too much on your own. It is a difficult task indeed to survive and to grow your business solely with your own efforts. Solicit ideas and seek the help of other people (your employees, suppliers, lenders, customers, and advisors). Communicate honestly and consistently. Effective two-way communication is the key.
• Negotiate, negotiate, and negotiate! The value of a strong negotiation skill set cannot be overstated. Negotiating better deals and contracts is an absolute must for realigning and resizing your company to the current economic conditions. The key to success is not only knowing how to develop a win-win approach in negotiations with all parties, but also keeping in mind the fact that you want a favorable outcome for yourself too.
Recommended Best Practice Activities:
The Nuts and Bolts… The following list of recommended best practice activities is critical for your business' survival and for its growth during an economic downturn. The actual financial health of your particular business, at the outset of the economic downturn, will dictate the priority and urgency of the implementation of the following best practice activities.
1. Diligently monitor your cash flow: Forecast your cash flow monthly to ensure that expenses and planned expenditures are in line with accounts receivable. Include cash flow statements into your monthly financial reporting. Project cash requirements three-to- six months in advance. The key is to know how to monitor, protect, control, and put cash to work.
2. Carefully convert your inventories: Convert excess, obsolete, and slow-moving inventory items into cash. Consider returning excess and slow-moving items back to the suppliers. Close-out or inventory reduction sales work well to resize your inventory. Also, consider narrowing your product offerings. Well-timed order placement helps to reduce excess inventory levels and occasional material shortages. The key is to reduce the amount of your inventory without losing sales.
3. Timely collection of your accounts receivable: This asset should be converted to cash as quickly as possible. Offer prompt payment discounts to encourage timely payments. Make changes in the terms of sale for slow paying customers (i.e. changing net 30 day terms to COD). Invoicing is an important part of your cash flow management. The first rule of invoicing is to do it as soon as possible after products are shipped and/or after services are delivered. Place an emphasis on reducing billing errors. Most customers delay payments because an invoice had errors, and therefore, will not pay until they receive a corrected copy. Email or fax your invoices to save on mailing time. Post the payments that you have received and make deposits more frequently. The key is to develop an efficient collection system that generates timely payments and one that gives you advance warning of problems.
4. Re-focus your attention on your existing clients/customers: Make customer satisfaction your priority. A regular review of your customers' buying history and frequency of purchases can reveal some interesting facts about your customers' buying habits. Consider signing long-term contracts with your core clients/customers which will add to your security. Offer a discount for upfront cash payments. The key is to do what it takes to keep your current customers loyal.
5. Re-negotiate with your suppliers, lenders, and landlord:
i) Suppliers: Always keep your negotiations on the level of need, saying that your company has reviewed its cost structure and has determined that it needs to lower supplier costs. . Tell the supplier that you value the relationship you have developed, but that you need to receive a cost reduction immediately. Ask your supplier for a lower material price, a longer payment cycle, and the elimination of finance charges. Also, see if you can buy material from them on a consignment basis. In return for their price concessions, be willing to agree to a long-term contract. Explore the idea of bartering as a form of payment.
ii) Lenders: Everything in business finance is negotiable and your relationship with a bank is no exception. The first step to successful renegotiations is to convince your lenders that you can ultimately pay off the renegotiated loan. You must point out to your lenders why it would be in their best interest to agree to a new arrangement. Showing them your business plan and your action plan that includes your cost-savings initiatives, along with "the how" and "the when" of the implementation of your plan is the best way to achieve this goal. Explain to them that you will need their cooperation to insure that you can survive, as well as, grow your business during the economic downturn. Negotiated items include: the rate of interest, the required security to cover the loan, and the beginning date for repayment. A beginning date for repayment could be immediate, within several months or as long as a year. The key is to realize that your lender will work with you, but that frequent and continual communications with them is critical.
iii) Landlord: Meet with your landlord. Explain your need to have them extend the term of your lease at a reduced cost. Make sure you have a clause in the lease agreement that entitles you to have the right to sublet any or all of the leased space.
6. Re-evaluate your staffing requirements: This is a very critical area. Salaries/wages are a major expense of doing business. Therefore, any reduction in the hours worked through work schedule changes, short-term layoffs or permanent layoffs has an immediate cost saving benefit. Most companies ramped up hiring new employees in the good times, only to find that they are currently overstaffed due to slow sales during the economic downturn. In terms of down-sizing your staff, be very careful not to reduce your staff to a level that forces you to skimp on customer service and quality. Consider the use of part-timers or the current trend of outsourcing certain functions to independent contractors.
7. Shop for better insurances rates: Get quotations from other insurance agents for comparable coverage to determine whether or not your present insurance carrier is competitive. Also, consider revising your coverage to reduce premium costs. The key is to have the right balance-to be adequately insured, but not under or over insured.
8. Re-evaluate your advertising: Contrary to the other cost-cutting initiatives, evaluate the possibility of increasing your advertising expenditures. This tactic realizes the advantage of the reduced "noise" and congestion (fewer advertisers) in the marketplace. The downturn period a great opportunity to increase brand awareness and create additional demand for your product/service offerings.
9. Seek the help of outside advisors: The use of an advisory board comprised of your CPA, attorney, and business consultant offers you objectivity and provides you with professional advice and guidance. Their collective experience in working with similar situations in past economic downturns is invaluable.
10. Review your other expenses: Target an across-the-board cost-cutting initiative of 10-15%. Attempt to eliminate unnecessary expenses. Tightening your belt in order to weather the downturn makes practical, financial sense.
Proactively managing your business through an economic downturn is an enormous challenge and is critical for your survival. However, through well-planned initiatives, an economic downturn can create tremendous opportunity for your company to gain greater market share. In order to take advantage of this growth opportunity, you must act quickly to implement the above best business practices to continue realigning and resizing your company to the current economic conditions.
Copyright © 2008 Terry H. Hill
You may reprint this article free of charge in your newsletter, magazine, or on your website, provided that the article is unedited, and that the copyright, author's bio, and contact information below appears with each article. Articles appearing on the web must provide a hyperlink to the author's web site, http://www.legacyai.com
Terry H. Hill is the founder and managing partner of Legacy Associates, Inc, a business consulting and advisory services firm. A veteran chief executive, Terry works directly with business owners of privately held companies on the issues and challenges that they face in each stage of their business life cycle. To find out how he can help you take your business to the next level, visit his site at http://www.legacyai.com
Wednesday, February 25, 2009
Pertama
halo..!!! baru post nich... baru dateng maen futsal brow... cerita dikit, aku sneng banget barusan, aku habis cetak 3 gol... bangga banget... thx tmen2 yang mendukung aku, HMJTI, HIMSI, SEMANGAD!!!! coba aja kalo aku td ga di tekel.. pasti maen lagi... mudah2n cetak gol.. hohoho.... tapi kakiku sakit nich.... ada yang maw pijit ga...? hehehehe... oke... segini dulu... ntr ada berita lagi aku kabarin deh brow...
oke.... peace...!!!
oke.... peace...!!!
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