What Is Involved When You Have Laser Therapy For Mole Removal?

If you have been undesirably blessed with a mole on an embarrassing part of your body or have developed moles during your formative years then you might want to get rid of them in a safe manner. If you have unsuccessfully tried various home remedies, Uncategorized treatments, and over-the-counter products, and are apprehensive about traditional surgery to remove your mole or moles then you should definitely explore the laser therapy mole removal option.

You could be afflicted with moles that might belong to different categories such as sebaceous moles, junctional moles, decimal moles, compound moles, or blue moles, that each has different characteristics and sizes. Unlike traditional surgery that might uproot the mole in one single sitting, laser therapy requires several sessions that slowly destroy each layer of the mole with a precisely guided CO2 or Erbiumyag laser beam.

You might require local anesthesia over the mole and its surrounding area during treatment to eliminate any pain, which anyway is minimal. The laser beam basically cauterizes each layer and this ensures hardly any bleeding at all. This ensures that no stitches are required after laser therapy mole removal. However, laser therapy has proved to be more successful on flat or raised moles that do not have very deep roots since moles tend to bounce back with added aggression and size if they are not eliminated completely from the roots.

You should make it a point to visit a trusted dermatologist that can examine your moles and suggest appropriate treatment. Laser therapy requires a few sessions based on the size and depth of your moles. This form of treatment is also quite costly as compared to creams or traditional surgery, but if successful hardly leaves behind any scars. Once the treatment is completed then you will observe the formation of scabs over your moles that will usually fall off within a week. There is also a risk that another mole might replace the existing one if the roots of that mole have not been completely destroyed by the laser.

If you do opt for laser therapy mole removal treatment then you might also need to pay the bills from your own pocket since most insurance companies do not pay for such cosmetic treatments. You will also need to undertake regular checkups once your treatment is complete so as to observe if any new mole is trying to emerge in place of the old one. In case you have a history of skin pigmentation or vitilago then you might need to undergo skin tests before starting the treatment. Laser treatments involve the use of low and high intensity laser beams to slowly destroy the mole while ensuring minimal damage to surrounding tissues. You might require up to 3 sessions before a mole is fully destroyed by the laser.

If you have tried all types of mole removal treatments including using homemade concoctions, products made from Uncategorized ingredients or over-the-counter creams that usually involve acidic chemicals, and are also afraid to go under the knife then you still have one option left. You could opt for laser therapy mole removal treatment that is painless and usually leaves behind no scars. Although this form of treatment is quite costly, it will usually reward you with freedom from moles and a clear skin that bears no scars.

Anatomic Gel – Shoes Built for Wear

Anatomic Gel footwear is a range of beautifully styled and manufactured men’s shoes and boots which are made in Brazil and designed in the UK. The key feature of this range is the Anatomic Gel Technology which is created using only the finest softest 100% leather available. The beauty of this leather, used in the uppers, gives a unique and pleasing appearance to each pair of Anatomic Gel shoes. The hinged leather insole allows the shoe to be flexed without breaking and is constructed using four layers. The double layer of foam and latex makes it supremely comfortable for walking throughout the day and there is also a layer or patented antibacterial fabric and a layer of sheepskin. The rubber sole allows for plenty of flexibility and is non-slip. The thread used in the stitching is waxed to help prevent water penetration and it is 100% stitched through using the McKay method.

Jose Rosa Jacomete originally founded Brazilian Anatomic and Co some 20 years ago after working for 20 years from the age of 13 in the footwear industry. Jose Rosa Jacomete (affectionately known as Zuza to his family) left home to earn money for his family and found he had a passion and Uncategorized talent for footwear design. He learnt the trade inside out over the next 20 years and after gaining experience pattern cutting, designing and shoemaking as well as practising and learning at the technology centres that were specific to the shoe trade, he decided to open his own small factory. Since those days Anatomic and Co’s reputation for human rights and fair trade has gained recognition worldwide along with its Anatomic Gel Technology.

Anatomic Gel footwear’s first venture into the overseas market was launched in the UK about 2005 but has now spread to over 60 countries worldwide with customers in Europe, Asia, USA, Japan, South Africa, The Middle East, South America, Australia, New Zealand and also a high quality niche market in China. The company’s attention to detail and use of high quality materials has made them a major force in the world footwear market. Not only mature age customers are attracted to their product but also the younger generation find their shoes appealing with the high level of comfort and trendy stylish good looks.

The range of Anatomic Gel shoes and boots covers a wide variety of styles and colours. There are beautifully crafted dress boots, made of soft sheep leather, that are suitable for the office but that look just as good with a comfortable pair of jeans for that laid back casual weekend outing. There are also wonderfully comfortable elastic sided pull on Chelsea style boots that incorporate the fabulous soft layered insole and like all Anatomic Gel boots have the padded ankle support. In addition there are dress shoes in lace-up or pull on styles in a large range of fantastic colours.

Try a pair of Anatomic Gel shoes or boots for yourself and find out why they are such a favourite with people from all over the world.

Why Turn to OrthoNow Services Right Now?

One of the options that may be available to you is OrthoNow. This type of clinic can help you to handle many of the concerns related to bone fractures and sprains without having to go to the traditional emergency room to do so. If your child is playing sports on a Saturday afternoon and happens to be hurt on the field, the options are limited normally. You could go to the ER, but the costs will be high and the wait could be long. This facility provides another option for fast, affordable help no matter what your needs are.

What Is It?

OrthoNow provides an opportunity for individuals to get the help they need for injuries in a safe manner without having to go to the traditional hospital room to get the care needed. This is a type of immediate care center that provides for the needs for nearly all types of patients who are facing concerns with orthopedics, such as muscles, joints or bone pain. If that sounds like what is happening with you, visit one of these professional organizations for help even after hours. Even better, this is a walk-in program, which means you do not need an appointment to get help.

What Can They Do?

There are many ways these professionals can help you. They often help with sprains and strains, including those related to sports or work injuries. You can come in if you think you’ve fractured a bone or you are not sure if you did. It also handles most types of sports medicine injuries. If you have a minor dislocation of a bone, they can help to set it. They can also help with cast problems or dressing wounds. However, these facilities do have some limitations.

You do not want to go to this type of facility if you have a spinal injury, open wounds or fractures or you have head trauma. Since this is not a traditional emergency room, these types of treatment are not available onsite. However, if you have any type of non-emergency injury like those described here, you can walk in to get the care you need. It’s the type of specialized care you need when your child has fallen on the playground and could have broken a bone or when that sports injury kicks in while you are playing basketball with the guys.

Don’t put off getting help. You no longer have to worry about choosing a high copay at an emergency room or getting help for your condition that’s more affordable. With OrthoNow, you can get the help you need right away, so that you can get back to life.

Budget Your Total Bathroom Remodel

Like any responsible homeowner or renter, you plan to budget for your upcoming bathroom remodeling project. But finding the dough to accessorize like a celebrity may prove more than challenging. Whether you’re looking to install high-tech toilets, new faucets and showerheads or simply to afford new rugs, follow these penny-pinching tips; you’ll be on your way to a new total bathroom makeover without cutting back on your family’s food or selling your assets.

Plan in Advance

No matter what size remodeling project you plan to undertake, you can never plan too far in advance. The larger the project, the more long term you should think. But before you either sell you’re car or begin purchasing new bathroom accessories or fixtures, write down your plan. Create a mock blueprint of your ideal bathroom, complete with what fixtures you need or want to replace, as well as the aspects you can repurpose and refurbish for free. Now, conduct simple market research online and estimate the average price for the new features you wish to include in your makeover project. For standard durable pieces, look for trusted brands such as Kohler, Price Pfister and American Standard.

A good rule to follow should be based upon how long you intend to stay in your home. If you’re simply looking at a quick fix and sell home, then opt for simple improvements. If your family will be staying for decades, you may want to consider comfort and ease first, and then think of what will increase the value of the home over time.

Additional costs are accrued when you pay for the labor. So no matter how big or small you plan to remodel, also factor in how much – or how little – the cost of labor will be.

Evaluate the Spending

With your estimated expenses in hand, examine your current weekly and monthly spending habits. Are there any areas where you can afford to trim down? A few dollars here and there spent on gourmet coffee, fast food restaurants and even those extra cents tacked onto gasoline prices paid with debit or credit cards can really add up quickly. Budget-friendly ideas include carpooling, consolidating all errands into one day to eliminate expensive fuel costs as well as opting for stay-at-home dinners which tend to be cheaper and healthier.

Stick to the Plan

If you’ve decided to trade in your Chinese take-out Tuesdays and quick trips to the post office for a home cooked meal and a walk to the local stores, then stick to it. And it will be tough to stick to this plan, but be prepared. It’s easy to find excuses (it’s too cold outside to walk); writing down specific tasks on your calendar will help keep you focused on your goal: remodeling your new bathroom. Also, seeing tasks written in permanent ink will help guilt-trip you into behaving, especially if you’ve slipped once or twice.

Small Budget Makeovers

With the rocky economy and unstable job market, many families simply cannot afford a total bathroom makeover as they’ve dreamed. However, a few small and inexpensive changes can transform your bathroom. Often, just a simple accent wall in a dark, rich paint can change the feel of a bathroom instantly-while only a fraction of the cost of totally repainting your entire bathroom. Check out local yard sales and online listings for freebies and discount giveaways; a wicker basket or antique bedside table can double as an artistic and decorative toilet paper holder.

Total Redesign

Transforming your entire bathroom will require a hefty budget, especially if you’re reinstalling valves, bath tubs and cabinetry (which will most likely require the assistance of a professional). Splurge on the luxury model toilets with heated seats, heated tile floors to keep your toes toasty or the automated sink faucets that eliminate wasted water. Over time, you’ll see more money in your pocket, since these luxury upgrades will most likely replace your frequent trips to day spas.

How To Properly Remove A Bumper Sticker and Blend the Paint to Match

No matter what your reasons may be you’ve decided its’ time to remove that old faded bumper sticker from your vehicle. Lucky for you in just a few minutes and with a small amount of effort your car can be bumper sticker free. This process can be repeated for just about any type of adhesive stuck to your vehicle. It can be used to remove inspection stickers from windows, or vinyl lettering/vinyl graphics from the vehicle as well. The most important part is to be very patient and not try to rush through any steps. All of the steps below should be completed in a garage, under a carport or during dawn/dusk to provide as much time as possible before the adhesive remover dries on the car.

What You Will Need:

Razor Blade (Single Sided Square Blade Recommended)

Citrus Based Adhesive Solvent (Goo Gone Automotive Cleaner Recommended)

Automotive Paint Safe Bug Brush (Can be purchased at Walmart, or any auto parts store)

Microfiber Towels

Wax

Compound

Applicators

STEP #1: Take your razor blade and carefully slide the edge of the blade under a corner of the sticker. With the edge of the razor blade under the sticker gently tease up the corner of the sticker.

STEP #2: Grab the freed corner of the sticker and slowly pull the sticker in the direction of the remaining sticker. NOTE: If the sticker becomes too difficult to pull without tearing, apply your citrus based adhesive solvent to the adhesive sticker backing during this step. The solvent will loosen the adhesive, making it easier to remove the sticker. It is recommended to wait at least one minute to allow the solvent to penetrate and break down the adhesive.

STEP #3: Once you have removed the entire sticker, there will still be bumper sticker adhesive left behind. Now apply the citrus based adhesive remover to your automotive paint safe bug brush. Using the bug brush, apply some citrus based adhesive remover to the remaining adhesive on the vehicle in a circular motion. NOTE: This step may will most likely have to be repeated in order to remove all the adhesive from the vehicle. To ensure everything is removed, run your hand across the area once dried. Any remaining sticker glue will create a rough/sticky feeling. If there is still some leftover then repeat step #3. If there is no residue or leftover you may proceed to step #4.

STEP #4: Remove the excess adhesive remover with your microfiber towel.

Note: There will be some slight scuff/mar marks as well as a discoloration of the paint depending on how long the bumper sticker was on the car. This will need to be removed by compounding and polishing the area to smooth out any blemishes and blend the clear coat to match the rest of the bumper.

STEP #5: Now that the bumper sticker has been removed and all adhesive cleaned up it is time to make it look like the rest of the bumper. Follow the steps on how to properly compound and polish a car to remove light swirls and scratches.

STEP#6: Inspect the area where the sticker was to ensure it is satisfactory. Remember to apply a couple coats of wax, since it has been a long time since this portion of the bumper saw any.

Removing a bumper sticker can seem like an insurmountable task, and often people will give up because of the difficulty. With a little patience, the right tools and know how anyone can learn how to properly remove a bumper sticker without any blemishes to the paint.

How to Make $100 an Hour – The Simple Secret to Earning Great Money Online (Fast, Fun and Free!)

Who else is looking to build a business around doing something you truly love… while simultaneously earning a great living to boot? Are you motivated by contribution as much as cash? Progress as much as profit? If you truly feel a compelling craving to CREATE a community of passionate people who you can truly help succeed, you already have the very BEST business model in the world in mind.

The truth is, if you can coach, teach or train people in an area that you already excel, and simply share valuable information that helps makes their lives better, you’ve got 90% of the puzzle put together.

Where most people drop the ball?

In figuring out how to make a profit from their passion!

In my experience, people go through so many hoops and confuse themselves by making the simple… complex.

If you know what you love, and you are good at it, I don’t care if it’s cooking or credit repair, you CAN make a great business doing what you really enjoy.

Here is the secret:

Making great money as coach, consultant, teacher, trainer, mentor, marketer or PASSION professional is about math, as much as it is about marketing. You need a certain amount of people to be exposed to your ideas, authority and expertise for each income goal you set, and there is really NOTHING more to it than that.

Let’s say you want to earn $150 an hour and you want to work 4 hours a day… 4 days a week.

That is $2400 a week, and while that may SOUND like a lot of money, in this business… as you probably already know, it really isn’t.

The truth is, you only need 16 coaching clients to pay you your hourly goal to hit that number.

Or – 8 who meet with you for 2 hours a week.

Or better yet, while this MAY sound difficult to believe, getting 3 or 4 premium priced clients who pay you several thousand dollars each for higher end coaching or consulting over the course of the month.

Remember, in the real world… a hairdresser, or karate teacher, or computer tech is going to earn 60-80 dollars on average for one client, meeting them in a LOCAL community.

With the WORLD as your stage, why shouldn’t you be able to get at least that much, if not double… if you are really good at what you do… and can literally work from people in every state, and every country in the world?

Here is my basic formula:

I write articles like this one 2 or 3 hours a day.

I force myself to write at a fast clip – 1 4-500 word article every 20 minutes.

Every article I write, over it’s lifetime… generates about 20 visitors to my website.

About a third of those will sign up for my list.

That means, on average (and on the low side) every hour I create content about 18 people join my community.

If I can convert 5% of my community (meaning 95% will buy nothing) to spend $150 with me at some point now or in the future… every hour, mas o menus, I’m creating about 1 new client worth about $150 to my business.

It’s truly about MATH, and not marketing.

The marketing is easy! (the math is the challenge)

Of course, where you can REALLY make a killing is scaling the above with ads, offers, and leveraging the viral nature of the web to get your marketing message out to more people… and using the very same approach on a larger level… building your brand, your blog, your business and your bank account to boot!

The Life Cycle of Acquisition-Based Companies

A few years ago, I was discussing this phenomenon with the CEO of one of our clients. His company had grown almost entirely through acquisition, and for several years the company had experienced revenue growth rates exceeding 20%. However, the company had plateaued with respect to earnings, and looking at their overall performance it became clear to him (and to the Wall Street analysts that watched his company) that a great deal of money had been left on the table. Working with that CEO, I developed a model called the ACL Life Cycle. Understanding and using the ACL Life Cycle has proven enormously beneficial to clients depending on an M&A strategy for continued growth.

The ACL Life Cycle

The ACL Life Cycle describes the maturation process of companies who grow substantially through acquisitions and mergers. Using the ACL model, we can clearly identify the company’s current position. Knowing that position, and then looking forward at the company’s financial objectives through the lens of their business strategies, the specific actions that are needed become clear. Those actions can then be formed into an executable plan with associated performance measures, and managed through completion to bring the overall enterprise to heightened levels of financial performance. It is important for acquisition-oriented executives to understand the major phases and characteristics of the ACL Life Cycle.

Businesses who have survived one or more acquisitions and/or mergers are usually left with some degree of disintegration among their processes and systems. A company’s success in reaching the financial objectives of the merger or acquisition is directly correlated with the degree to which that disintegration has been replaced by a set of business processes and information systems that are common enough to generate enterprise-wide leverage. Implicit in that commonality is enterprise-level direction and guidance, manifested in company-wide business strategies and performance measures that align all of the combined business units. These businesses move, in this post-acquisition or post-merger environment, from an acquisition-based operating model to one characterized by shared services and a general commonization, to a stage where the enterprise “whole” really is able to become something greater than the sum of its business unit “parts”. It is more than the typical cost-reduction synergy anticipated in most of these transactions; it is a new platform for innovation, and an even higher level of innovation-based leverage.

Companies who experience substantive growth as a result of business acquisitions typically follow the ACL life cycle. ACL in this context stands for: Acquisition, Commonization, and Leverage. Many companies never leave the first stage of this maturity scale, and still more remain at the second stage. The most successful companies are usually those who recognize the importance of moving through all three stages, and consistently implement a structured process for doing so.
All companies experience pressures that push them toward decentralized operations, including idiosyncrasies of specific market niches served, the uniquenesses of isolated business processes, unusual needs of specific customer populations, and Uncategorized organizational entropy. At the same time, most of the companies that are successful in achieving the financial performance objectives established for the newly merged enterprise manage to overcome those challenges, electing to pursue the advantages of leverage, including:

  • broad synergistic brand recognition, enabling cross-selling, bundling of products and services, and improving revenue
  • interchangeability of business process resources, enabling the company to reduce its asset base
  • commonality and scalability in equipment / skills / facilities, facilitating innovation and growth into additional markets
  • higher utilization of business assets, reducing unit cost
  • lower levels of redundancy, resulting in reduced operating costs

These companies also typically find that maintaining compliance with financial reporting standards such as Sarbanes-Oxley requirements are enhanced as a result of strengthened internal controls.
Some companies make a deliberate decision to remain “holding companies”, which simply buy and sell diverse businesses that have only marginal relationships with one another. These conglomerates prefer to manage the portfolio through buying and selling components, and allowing the leadership teams at the individual companies to manage ongoing operations from strategy through execution. A few of them have been quite successful, and this article is sometimes not as directly applicable to those at a corporate level. It works very well, however, for their major divisions. Companies that benefit most from understanding the three stages of the ACL Life Cycle are those companies who have decided to focus on a single core industry – Aerospace & Defense, Automotive, Chemicals and Polymers, Textiles, Electronics, Telecommunications, Consumer Products, Medical Equipment producers, Healthcare providers, and Financial Services providers are all good candidates. 

The Acquisition Stage of the ACL Life Cycle

Companies in the Acquisition Stageof their life cycles are usually focused on revenue growth, and capturing market share. They are characterized by high levels of autonomy in management, in the reporting of site-level data to the corporate parent, and in the design of their business processes and systems. Companies who remain in this stage for long periods of time following acquisitions usually act as holding companies, with the corporation allowing individual divisions or sites to operate almost as independent companies with their own P&L, strategic plans, and market-facing branding. Often, companies in the Acquisition stage lack a common vision of the future of the overall business, and tend to operate at cross-purposes among the operating units. They sometimes even compete against one another for the same customers. They share little operating information, making it nearly impossible to coordinate and deploy “best practices”, effectively distribute work load, utilize general market intelligence, and grasp other elements that could provide corporate-wide leverage of the businesses’ assets and resources. A few industry-specific examples here should help to illustrate the situation:

Manufacturing companies in the acquisition stage are usually characterized by redundancies in raw materials, equipment, staffing, and other business resources. Because manufacturing companies are relatively material-intense, a great deal of cost can be tied up in raw materials, work-in-process, and finished goods. Since acquisition stage companies have so little visibility between business units, there is little opportunity for them to reallocate these assets in order to use them effectively. As a result, the most costly resources remain the most underutilized. In addition, acquisition-stage companies have not centralized the management of even commodity-level business processes, such as finance, human resources, and information technology. This lack of centralization leaves additional inefficiencies in place around accounting staff, employee benefits provider subscriptions, business software applications, data centers, and computing equipment. 

Telecommunications companies in the acquisition stage also have unrealized opportunities for greater leverage from their business assets, but these more often take the form of redundancies in network equipment, network coverage, retail outlets, partner agreements related to the sale of their products, and interconnection agreements with other carriers. In addition, acquisition stage telecom companies often have a substantial amount of unrealized leverage in the lack of integration among the data bases and information of their various divisions that could enable shared service operations for commodity-type processes such as billing and cross-selling of products and services. Like manufacturing companies, telecom companies in the acquisition stage also typically have unexploited opportunities around the consolidation of data centers and related equipment and staffing.

Healthcare providers in the acquisition stage usually find opportunities in different areas of their businesses, because of the differing cost structure of their operations. The bulk of their costs and their opportunities while in the acquisition stage of maturity in the ACL Life Cycle are related to employee salaries & benefits, and to medical supplies and drugs. It is less common for these businesses to be able to effectively share inventories and equipment, since the nature of their business is rooted in community health care that requires local service provision. The opportunities that do exist, which are typically not exploited well in acquisition stage health care companies, are related to centralizing commodity type business processes such as finance, human resources, and information systems, and leveraging required service and supply procurement across the enterprise. 

Financial Services providers, such as banks, brokerages, credit unions, financial planning companies and tax & audit services exhibit yet another cost profile, with the largest elements typically including personnel and occupancy costs. In these businesses, like health care provision, being where the customers are is critical. The companies’ ability to understand the changing demographics and match up their branches as well as their skills to the targeted customer base is often a differentiator between the companies that succeed and those that fail. Financial services providers who are still in the acquisition stage of maturity in the ACL Life Cycle often do not have the commonality in fundamental business processes and systems to readily reconfigure their operations to meet the changing needs of their marketplace. Their acquisitions or mergers have enabled them to grow horizontally, typically into adjacent markets. However, lacking an adequate foundation of commonality in processes and systems, there is substantial money left on the proverbial table as a result of ineffective resource deployment, and delays in the reporting of operational performance data that would enable the company to be more responsive. These companies also fail, in their acquisition stage, to take advantage of their larger purchasing power to gain leverage around purchased services spanning items as diverse as employee health care and branch-level office supplies.   

The Commonization Stage of the ACL Life Cycle

Companies in the Commonization Stage of their life cycles have usually awakened to the value of focusing on Return on Net Assets (RONA) and Return on Invested Capital (ROIC). In order to begin to capture improvements in these areas, companies in the Commonization Stage often turn to shared service models of operations for selected business processes and systems. Strategies and performance measures begin to crystallize around common themes that span multiple operating units or divisions. Among the areas of focus for a shared service model in this stage are Finance (A/R, A/P, General Ledger, and Financial Reporting), Human Resources (Payroll, Benefits, and Employment Records), and Information Technology (Computer Hardware, Network Administration, and selected Software Applications Management). Some companies in the Commonization Stage also move Procurement and other aspects of Materials Management to a shared service model, enabling the corporation to more effectively leverage its broadest possible purchasing power.

Manufacturing companies in the commonization stage of maturity typically have shared services in place for commodity types of business processes such as finance, human resources, and information systems management. As they advance through the commonization phase, some of them also begin to pull together a common platform for procurement, encompassing at least their most costly and common raw materials. A few in this stage reach a point where their data center
operations are completely centralized, and may even be outsourced to a third party like CSC. Toward the end of the commonization phase, centralization of work deployment and capacity utilization as well as process quality emerge as companies begin to deploy common processes and systems in customer requirements management, enterprise requirements planning, manufacturing execution systems, and distribution management systems. 

Telecommunications companies in the commonization stage of maturity also typically have shared services in place for commodity types of business processes such as finance, human resources, and information systems management. As they advance in maturity through this stage, telecoms also become aware of the available leverage in centralizing the management of some of their most valuable assets. However, unlike the manufacturer’s raw material focus, for telecommunications operations those elements are things like spectrum licenses, network equipment, connection agreements, partner agreements, distribution centers, and retail outlets. Centralizing the management of those assets to identify overlaps and redundancies enables telecoms to emerge from the commonization stage with much more effectively leveraged business assets, providing broader market coverage with a lower total asset base and generating much higher earnings on that consolidated foundation.

Healthcare companies in the commonization phase of maturity find substantial benefit in the commonization and centralization of their commodity type processes and systems.  This is primarily because of the impact on cash flow and earnings when the employee base is reduced through shared services, and employee benefits and supplies are both leveraged in terms of the broader purchasing power of the company following a business acquisition of significant size. However, there is also an especially rich opportunity available to healthcare companies in the commonization stage that stems form the leverage available related to insurance coverage – not for the employees directly, but covering the potential liability of the company itself. This category of cost is typically about the third largest slice of the pie, and significant reductions there can translate quickly to a meaningful earnings impact. 

 Financial services providers in the commonization stage of the ACL Life Cycle, like healthcare providers, often find substantial benefit in the commonization and centralization of their commodity type processes and systems. With roughly half of their cost of operations wrapped up in employee salaries and benefits, there is an opportunity for meaningful impact on cash flow and earnings when the employee base is reduced through shared services, and employee benefits and supplies are both leveraged in terms of the broader purchasing power of the company following a business acquisition or merger. The next significant area for financial service providers in the commonization stage is the capability for rapid reconfiguration of the business based on enterprise-wide visibility of operational data and market intelligence.

The Leverage Stage of the ACL Life Cycle

Companies in the Leverage Stage of their life cycles are usually embarked on a fierce drive toward adding real value. They are relentless in their efforts to fully utilize the assets of the entire corporation, driving out redundancy and its associated costs. They are then able to pivot on the fulcrum of those more agile processes and systems to implement innovations that foster organic growth resulting in greater market share, greater revenue, and improved earnings for their shareholders. Leverage Stage companies also establish a structured and repetitive process of assimilating new businesses, gathering and incorporating market intelligence into company-wide strategies, and innovating on the basis of these new combinations to capture additional market segments. These companies are characterized by coordination and centralization of major business functions such as the planning and allocation of R&D, production work, inventories, raw material purchases, personnel, and factories & equipment. They centrally manage a broad spectrum of common business processes and systems, including customer requirements management, product data management, enterprise requirements planning, manufacturing execution systems, and logistics management. They are constantly changing, evaluating and configuring business assets to meet future market needs, acquiring and developing new businesses, and shedding assets that no longer fit their evolving model.

Manufacturing companies in the leverage stage of maturity typically have shared services in place for most of the critical business processes of their company, having reached beyond the commodity level processes and into those which deliver the most value to their customers. Examples include sales & marketing, order entry & customer service, capacity planning and management, production scheduling and shop floor control, and distribution requirements planning. As they move through the leverage stage of the ACL Life Cycle, some of these companies leverage the commonality of their processes and systems to produce innovative new products and services, identify additional market opportunities, and develop industry-changing relationships that reach through their supply chains. 

Telecommunications companies in the leverage stage of maturity also have shared services in place for most of the critical business processes of their company, including the seamless provisioning (often called “flow-through provisioning” by industry insiders) of all telephonic services to customers stemming from a single telephone conversation responding to an individual inquiry about a service. This type of capability is only enabled when all of the information from what have historically been disparate data bases is available in an intelligent form through excellent systems integration, based on exceptional levels of commonality and strength in enterprise-wide business processes.

Healthcare companies in the leverage stage of maturity have typically discovered and implemented leverage-based improvements in their major cost structure elements as a result of enterprise-wide information visibility flowing from systems integration and centralized management of critical business processes. Health care companies generally also have uniquely challenging business conditions related to three other areas where leverage level operations can be a powerful tool. 

The first of these areas is employee safety. Most health care organizations are spending a substantial amount of money in this regard, with training and documentation of company polices and safety-related practices requiring an increasing amount of company attention. The integration of systems and commonization of processes in a leverage stage health care company offers opportunities to more quickly incorporate internal best practices, externally imposed business requirements, and feedback about lessons learned across the entire health care organization regardless of geographic dispersion. Commonization and centralized management here can result in substantially lower cost, and more importantly, substantially higher and more uniform levels of employee safety. 

The second area is bad debt. The integration of customer data, and effectively interfacing a common set of enterprise-wide processes and systems with outside service providers such health maintenance organizations and insurance carriers, substantially reduces the amount of bad debt in leverage level health care companies. 

The third area, and perhaps the area of richest opportunity, is the area of patient medical information. This area is tricky because of legislation related to patient privacy and guidelines recently established for the maintenance and communication of patient medic
al information. However, one of the fundamental challenges faced by health care providers is the absence of available medical history, particularly when a patient is admitted to an emergency room or urgent care facility. Particularly when a patient is unable to respond to questions directly due to an incapacitation illness or injury, time can literally mean life or death. Making all necessary information available to the physicians and other health care professionals involved as quickly as possible is extremely important. When critical business processes and information systems for the management of this information are brought to an effective level of commonality, the rapid dissemination of the needed information can be greatly improved, while patients’ expectations around the privacy of their information are still met. 

Financial services companies in the leverage stage of maturity, like health care companies in some ways, must balance the needs of differing local customer geographies against the advantages of centralized management in critical business processes and systems. There is real value in allowing some latitude to local branch officers and customer-facing staff such as loan officers to accommodate the unique circumstances involved in specific cases. However, these companies often find that a significant advantage of the leverage provided by enterprise-wide commonization of processes and systems is the ability to see the nuances of differing markets at a corporate level, and recognize broader trends among those different markets more quickly and clearly than they could before. This improved visibility, in turn, enables management to reconfigure their service offerings, redeploy resources such as sales dollars, and organize sales campaigns for those specific markets more quickly than they could previously.  

The best of these companies, regardless of what industry they occupy, utilize their common platform of processes, systems, and information to understand the needs of their customers in unique ways, and fluidly translate those needs into the features of their products and services. A few, at the very top of the game, come to understand the customers’ needs even before the customer recognizes them, and when necessary they reconfigure their entire business to meet those needs, gaining unassailable competitive advantage. The enterprise-wide leverage they achieved as a result of carefully and skillfully handling the post-merger or post-acquisition integration of processes, systems, and data provided the platform from which innovation launched them to new levels of performance. Examples could as easily be provided for companies in pharmaceuticals, retail operations, or the food & beverage industry. The lessons learned and the techniques vary a little, but the principles are the same.

Three Tips to Run a Car Wash Business

The car wash business is considered as a safe business, as it provides regular profits. It is not a sector that millionaires would like to dabble in. However, it does offer people, who look for reliable investment options and are willing to work hard, an opportunity to do something worthwhile.

As with any other business, the car wash business too has its own tricks of the trade. It is definitely a sure-fire profit making sector. However, that does not mean that you just have to start a company and profits will follow automatically. No business ever guarantees that.

The following are some tips on how to run a car wash business professionally and profitably:

Tip 1: Invest wisely in cleaning machines

Cleaning machines have to be the first priority of the investor. There is no use or purpose of spending extravagantly to buy the so-called best machines. On the other hand, it would be disastrous to buy the cheapest machines. You need to do a bit of home work before making the purchasing decision.

The problem with auto detailing is that it requires the use of multiple cleaning machines. An automobile consists of different types of surfaces, with each having varying levels of hardness. The exterior body and engine parts are hard and sturdy, windshield glasses are obviously, and fabric seat upholstery and carpets are soft.

A single machine cannot be used to clean all these types of surfaces. As a result, a car wash business essentially requires different types of machines that are pressure washers for cleaning the hard surfaces and carpet cleaners to clean the soft surfaces. Steam cleaners, too, do a good job of cleaning the hard surfaces.

Tip 2: Focus on quick delivery

One of the secrets of success of an auto detailing business is the quick delivery of the vehicles. In this busy world, owners want the vehicles as quickly as possible. The average delivery time in this business now can be within several hours. So, how can you ensure that the cleaning is done quickly?

Employing the right mobile car wash machines would help. You should use carpet cleaners equipped with low flow technology and pressure washers having a low flow rate. Using steam cleaners with dry vapor output is another good option.

In short, make sure that all the car detailing machines transfer less quantity of water on to the vehicle surfaces. While doing this, you have to ensure that there is no compromise on speed or efficiency of the mobile car wash machine.

Tip 3: Use green chemicals

A good cleaning agent improves the cleaning power and speed of most car detailing machines. However, synthetic detergents do more harm than good. These products improve the efficiency of car wash equipment, but leave more toxic residues on the vehicle surfaces than the dirt they help to remove.

This is the reason why most reputable suppliers recommend using green chemicals along with their car wash equipment. These products are derived from plants and vegetables, and do not contain a single toxic substance.

The Kinds Of Car Keys To Choose From

The automotive industry has come a long way and today car keys are no longer the old style mechanical cut versions. Of course there are several brands that still use this form of keys, but there are numerous other versions out there as well. In mechanical keys, they are machine cut as the name suggests and are more popular with brands such as Ford, GM or even Chevrolet. There are quite a few truck models too that works with these forms of keys. Despite the numerous models of cars on the road, the machine cut continues to be a favourite.

The next version you have is the laser cut automotive keys. These are the advanced versions of the machine cut keys and are also called the sidewinder or the internal cut keys. They have a square edge which have matching cuts on either side. These can fit into a car’s ignition any way you like. Their advantages are that they are not easy to pick and will need specialized help. There is a unique software used in its production and those manning the machines will need specialized training as well. These are found in luxury brand cars like that of Mercedes as well as Audi.

There are several other popular styles of car keys available. You have the transponder keys that have a minute computer chip inserted in the key handle. This is for additional ignition security and to prevent the key from being forged. There is the remote or the switchblade form of transponder keys.

Then you have the smart keys which have a laser cut key that is built in. These kinds of keys gives the driver the flexibility of entering the car and starting it without actually taking the key out of his pocket. Then you have what is known as the VATS keys. This has a unique chip on the blade which though not electronic in nature, has got the name.

And then you have what are known as valet keys. These are given along with a regular transponder key. There is however a slight modification to it, where you can open doors and ignition, but not a locked boot or trunk. These can be made out of plastic or metal.

There are several varieties of keys and the kind you get will depend on the kind of vehicle you pick up. This is essential to the safety of your car and you.

How to Easily Choose the Products for Your Dry Skin

If you have dry skin and want your skin to look fabulous, the right skin care products are important. But how do you choose the right products for yourself given the many choices of beauty products you see in cosmetics stores and chemist?

You can easily be paralyzed by the choices you have. But getting the right product for your skin is the cornerstone of every successful skin care. Here’s a list of beauty aids that may fit into your skin care regiment.

Masks

Dry skin would definitely feel suppler if you use a mask on a weekly basis. However, be careful to choose the type of mask that is more moisturizing for your skin. For those who prefers heavy-duty moisturizer, you might want to increase your frequency of using a hydrating-mask to two times a week.

Exfoliators

Is an exfoliating necessary? Are skin care companies overselling the benefits of exfoliators? Well, the fact is, exfoliating does helps to remove dead skin cells and debris which is more prominent if you have dry skin. Thus, it can be a useful beauty aid to remove the flakiness of your dull looking skin. Avoid choosing physical exfoliators that contains harsh particles that can damage your skin fiber. Instead, there are newer exfoliators these days that will help you remove dead skin cells without any adverse reactions from your skin.

Serums

Serums are not exactly the type of skin care products to help you moisturize your dry skin. However, most serums contain a special ingredient that can help to soften any lines and firm up the skin. Due to the different formulations and skin structure of our body, there are a wide variety of serums created for our face, eye, neck and even thigh. If you find your skin is much drier at the jaw lines, try applying a layer of serum face creams to create a more radical smoothing effect.