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You may be surprised to learn that nutritional supplements vary significantly in quality and effectiveness. Even products with the same brand name may have very different results varying from some positive effects to no effect or, in some cases, harmful effects.Formulations are often thrown together using ingredients which have had lots of media attention, in an attempt to fill a demand and make some money at your expense. No thought goes into what nutrients are combined with what minerals or what enzymes.The fact is, you can’t simply cram a bunch of popular, high profile nutrients together in a pill and expect them to be of any benefit to your health. Without proper formulation, supplements will not have the nutritional cofactors and phytonutrients your body requires. As a result, your body will not recognize and absorb the nutrients and they will (hopefully) pass through your system with no benefit. I say hopefully because, in some instances, they will actually do more harm than good.Now you are thinking, “How can nutritional supplements harm me?” Read on and I will explain.To ensure nutrition is delivered to the cells of your body, it is necessary that each nutritional supplement contains a formulation specifically matched with quality whole food ingredients. In other words, each product contains the necessary enzymes, minerals and co-factors in the exact balance that is found in nature.This “delivery system” should:

Deliver the nutrients to the blood stream quickly,

Ensure the highest absorption possible,

Provide minerals and co-factors which promote optimum enzyme activity,

Guarantee that the nutrients are delivered to the cells of your body and

Support your body’s natural absorption processes.
What happens if the supplements I take do not have a delivery system?Coordinated enzymes and minerals must be present for nutrients to reach the cells of your body. As a result, certain minerals and co-factors are required in order for enzyme activity to occur. If they are not available, enzyme activity “robs” your body’s nutrient stores to make up the shortfall. Over a long period of time your health may suffer and in some cases, the effects may be irreversible.What is meant by the term “cellular nutrition”? Do the cells in my body actually eat? Yes! In a manner of speaking, they do eat.In 1942, the nutritionist Victor Lindlahr published “You Are What You Eat: how to win and keep health with diet”. (The phrase is actually much older but it appears that this publication is what brought it into the public consciousness) Since that time we have been obsessed with the notion that if we eat a well balanced diet we will ensure good heath and vitality.However, in recent history, nutritionists have discovered that it is not necessarily the nutrition we consume but the nutrition that is delivered to and absorbed by our cells that determines our health. This is why it’s important to ensure that each cell not only receives the nutrients it needs but receives it in a format that is recognizable and easy to absorb (eat).What can stop supplements from reaching my cells?If a nutritional supplement does not have the right molecular structure they may not be able to make the journey through the stomach and into the blood stream.Sometimes this can be a good thing. “Vitamin C from ascorbic acid” (have you seen this phrase on labels?), for example, contains only a fraction of the whole vitamin C. If this fractionated nutrient were to get through, the rest of the co-factors would have to be obtained so that it can be utilized. This “robs” your body of vital reserves and may result in unfavorable health conditions in the future.What happens when vitamins and minerals are not absorbed?When vitamins, minerals and herbs are not absorbed they can get into areas of your body where their presence will cause problems. Iron in your liver, for example, can cause liver damage because your body is unable to dispose of it. Other vitamins and minerals, especially vitamins A, D, E and K can cause similar problems in other organs.So, to answer the question posed at the beginning of this article…… Are Nutritional Supplements a Waste of Money?They can be if they do not include a strategy that ensures Cellular Nutrition Guaranteed but ….If your supplements incorporate a good strategy for Cellular Delivery along with:

100% all-natural raw materials that Obey the Laws of Nature,

Nutrition that fulfill your body’s needs not market trends,

A holistic formulation that does not interrupt or interfere with the harmony and balance of the natural functioning of your body and

Nutrition from whole food complexes (example: whole food vitamin) not fractionated or synthetic sources,
You will be surprised at the fantastic results you can achieve.”Guaranteed Cellular Delivery” – What a concept!

If you are a business owner or even if you are about to become one, there is a good chance that you have heard of innovative internet marketing ideas before. Although you may have heard of these ideas before, do you know what they are? Do you know what they can do for you and your business? Are you using the same old marketing techniques used by everyone else in the industry and struggling for traffic and business? Lets examine the advantages and disadvantages of using innovative internet marketing ideas to promote your business.Before you start to examine the advantages and disadvantages of innovative Internet marketing, it may be a good idea to examine exactly what it is. As a business owner or a soon to be business owner, you likely already know what Internet marketing is. Marketing is getting your business out into the general public; it is done by targeting your intended audience, your customers. That targeting is done by way of the internet; thus the title, internet marketing. It is also important to understand how to be innovative and how that ties into internet marketing. Innovation is another word that is often used to describe something new; therefore, innovative Internet marketing ideas are relatively new ideas, particularly ideas that have just recently been developed.When it comes to innovative internet marketing ideas and your business, you will find that there are a number of benefits. One of those benefits is the ease of use. Even if you do not have a large amount of computer experience, you will often find the internet easy to use. Whether you are interested in making your business an online website, starting a business newsletter, or conducting a demographic analysis online, you should easily be able to do so. Even if you do not know how to start up your own newsletter, do an online poll, or make your own website, you should be able to learn, often in no time at all. The internet offers information on starting all kinds of businesses.Once you have chosen your niche, or specific area or product that you would like to promote or sell, try searching the internet for similar products or services. In this way, you can determine any potential competition. If competition exists, you can decide if you want to compete, or find a complimentary product or service to promote. If competition doesn’t exist, and there is a market looking for answers to a question, this would be a perfect niche market to begin a business in.In addition to using the Internet to put your innovative marketing ideas to into motion, you can also use the Internet to find those ideas. Using the Internet to find innovative Internet marketing ideas is a relatively quick and easy process. By staying up-to-date on the latest business and marketing news or by performing a standard Internet search, you can easily be kept in the loop, when it comes to Internet marketing ideas, particularly new ones. If you have a niche that you are interested in, often signing up for related newsletters or chat rooms can lead to the discovery of a new business idea or marketing technique. If you put those ideas into motion, as soon as you hear about them, your business may be given an edge above the rest of its competition. In fact, a new innovative Internet marketing idea may be just what you need to get your business up and running.What is also nice about innovative Internet marketing is that, although it is relatively easy to develop your own marketing ideas and execute them, you don’t necessarily have to. For example, there are a large number of individuals who specialize in Internet marketing. Those individuals, who are often referred to as internet marketing specialists, can be found online. An internet marketing specialist is a trained professional who can not only come up with new ways to market your internet business online, but they can also execute those ideas for you, for a reasonable fee. Whether you don’t have the time to develop an effective marketing plan or if you want to avoid the hassle of doing so, an internet marketing specialist may be able to offer you assistance.Although there are a large number of advantages to using innovative marketing ideas to promote your business, there are also a few disadvantages to doing so as well. One of those disadvantages is the fact that innovative marketing ideas are new. With new marketing ideas, they have sometimes yet to be tested or proven; therefore, you are really given no guarantees that a new, innovative Internet marketing idea really will work. Of course, it is important to remember that with business, there are always risks. Trying a new innovative internet marketing idea may not work out to your advantage, but it may also be the best thing that has ever happened to your business.

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

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

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

Different Types of Financing

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

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

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

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

Alternative Financing Solutions

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

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

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

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

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

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

A Precious Commodity

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

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

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