Robert McNulty, Co-Founder and CEO of SupplyBloc headquartered in Las Vegas, Nevada is a blockchain-integrated solution that provides complete transparency, tracking, and optimization of every activity within a supply chain network joins Enterprise Radio.

Listen to host Eric Dye & guest Robert McNulty discuss the following:

1. For the benefit of our listeners, please give us an overview about SupplyBloc.
2. How does SupplyBloc streamline and better secure supply chain management?
3. Why is SupplyBloc revolutionary, in terms of its benefits for the retail industry?
4. How does SupplyBloc make it easier for entrepreneurs to bring their products to market?
5. What milestones are of particular importance concerning SupplyBloc?

Robert McNulty is the CEO and Co-founder of SupplyBloc, Inc. Formerly CEO and founder of Home Club and Shopping.com Mr. McNulty is an accomplished entrepreneur with over 35 years of significant experience in specialty retail, eCommerce, branded consumer products, retail start-ups and developing new concepts and technology platforms for utilization in the retail industry.

About SupplyBloc: Headquartered in Las Vegas, Nevada, SupplyBloc is a blockchain-integrated solution that provides complete transparency, tracking, and optimization of every activity within a supply chain network. By combining the power of the blockchain with innovative technology, SupplyBloc revolutionizes the way small to medium sized businesses approach supply chain management.

Website: www.supplybloc.io

Social Media Links:
Facebook: https://www.facebook.com/supplybloc
Twitter: https://twitter.com/Supplybloc
LinkedIn: https://www.linkedin.com/company/supplybloc

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Dogs are a great family pet, but they are still animals and can be unpredictable at times. If you have been bitten by your own dog or by someone else’s, it is not the same as any other cut and should be treated differently. In America, nearly five million people are bitten every year. According to the Centers for Disease Control and Prevention, of those who are bitten, 1 out of 5 require medical attention. 

Since prevention is always the best medicine, to avoid a dog bite, it is always best to be cautious around dogs. To prevent being bitten:

• Choose a dog breed that tends to have a stable temperament for a pet
• Don’t go near dogs that you don’t know
• Don’t leave your child alone with an unfamiliar dog
• Don’t ever try to play with a dog while they are eating or attempt to play with a mother who is feeding her puppies
• If you are going to approach a dog, do so slowly and with caution, without making any quick movements
• If a dog becomes aggressive or agitated, walk away slowly and don’t look it in the eye

If you are bitten by a dog

So what to do when you get bitten by a dog? The first thing you should do is seek medical attention. Even if you are bitten by your own dog at home, infections from dog bites are very common. If the bite is deep or if you were bitten by a dog that you don’t know, then seeing a doctor is even more critical. Often, dog bites cause infections that will require you to take an antibiotic.

Before you head to the doctor:

• Try to stop the bleeding by wrapping the bite with a clean towel
• Keep the bite elevated above your heart, if possible
• Wash the site with soap and water
• Put on a bandage 
• Put antibiotic ointment on it if it has stopped bleeding

What your doctor will need to know when you go to see them

Your Doctor is going to need to ask you some questions about your dog bite. They might seem odd, but they are usually in your best interest. It is especially important that you let them know if you have any preexisting conditions. Liver disease, for example, can increase your risk of infection. They may want to know:

• Who the owner of the dog was
• If the dog was up to date on their rabies shot
• If the bite was provoked or unprovoked
• If you have any underlying conditions that might make your immune system weak

The doctor will need to examine the wound to see if there was any damage to the tendons, nerves, bones or muscles. They will then have to wash it thoroughly to remove any dirt or debris and bacteria as well as removing any tissue from the wound that might lead to an infection.

Since rabies is a very serious illness, although rare, if you don’t know the owner of the dog, then it might be required that you receive a rabies vaccine. You will also need to ensure that your tetanus shot is up to date.

If you need stitches

If the bite is severe enough, it might be necessary for you to have stitches. Stitches for dog bites are highly controversial. Although stitches can help to reduce scarring, closing up the wound will increase the risk of infection. Whether or not the doctor will decide to suture the wound is dependent on where the dog bite is and how necessary stitches are to the healing process. Very deep bites must be addressed and might require plastic surgery if the wound leaves a scar.

Some doctors might prescribe you antibiotics as a preventative measure, typically for about seven to fourteen days depending on the severity of the bite. They also might require that you come back to have the bite examined once it begins to heal.

If a dog bites you, it is a good idea to try to find its owner. If you can find out who the dog belongs to, then you can gain peace of mind knowing that the dog does not have rabies. Avoiding a rabies vaccination shot is one less painful thing you will have to endure. 

Most dog bites are not that serious, but if they are left unchecked, they can become a problem very quickly. Make sure to have your dog bite looked at, even if you think that it is no big deal. Things that might not look very bad, once infected, can quickly become life threatening.

Home is ideally a place where a person receives protection and psychological satisfaction. Marriage is a legal bond which brings responsibilities to both partners, and divorce is the legal termination of that bond.

Internationally it is a big dilemma to have such increasing divorce rates. The divorce rate  in the U.S. is at 53%. But Spain, Portugal, Luxembourg, the Czech Republic, and Hungary are worse off with divorce rates higher than 60%. Belgium has the highest rate of divorce in this data set at a staggering 70%. 

The divorce rate in Pakistan has also increased, due in general terms to people not fully realizing their marital responsibility. 150 divorce cases are reported daily in courts in Lahore and 40,000 (Anually) in Karachi.

Effects on Children:

One of the hardest things about separating is worrying about the effect it will have on your children. It was shown in many researchs  that 50 percent of children still fantasise about their parents reuniting 10 years after separation.

A child may feel:

• A sense of loss.
• Anger and anxiety.
• Worry.
• Rejection.
• Frequent change of home or school.
• Financial strain.

Custody of the Child According to Law:

The law pertaining to guardianship and regulating the custody of children in Pakistan is known as the Guardians and Wards Act, 1890. 

While considering Groth and Associates, there are THREE STAKE HOLDERS IN A CUSTODY LITIGATION: mother, father and minor.

The important aspects from the law are:

1. The most important aspect for the courts in Pakistan, by and large, remains what would be the best interest and welfare of the child.
2. Father: Under Islamic law, a father is the natural guardian (al waley) of his children’s persons and property. (Section 359 of the Muhammadan Law)
3. Mother: A mother, generally, has a right to physical, not legal, custody of her child until the child reaches the age of custodial transfer, at which time the child is returned to the physical custody of the father or the father’s family. Section 352 of the Muhammadan Law.
4. Right of mother to custody of infant children – The mother is entitled to the custody of (hizanat) of her male child until he has completed the age of seven years and of her female child until she has attained puberty. The right continues though she is divorced by the father of the child, unless she marries a second husband in which case the custody belongs to the father.
5. The right to physical custody is not an absolute right in the sense that a mother or father who possesses physical custody may not prevent the other parent from seeing the child.
6. The father or mother seeking custody must have reached maturity and must be sane, capable of raising the child, looking after its interests, and protecting its physical and moral interests. Aside from these basic requirements, there are specific requirements based on the welfare of a child (Jamal J. Nasir, The Islamic Law of Personal Status (1990)).
7. The non-custodial parent gets a visitation ONCE IN A MONTH FOR TWO HOURS WITHIN COURT PREMISES.

Conclusion:

Entire Guardian and Wards Act 1890 is ultimately based on the welfare of the minors. 

Mother easily have custody till seven years (son) and till puberty and marriage (daughter). After that time, the custody has to be decided by the court on providance of the best of following: accomodation, lifestyle, education, enviroment, safety, financial status, remarriage of the custodial parent. If court encounters the mother to be better than father then she could have custody.

Sugar. We know we need to avoid it–especially refined sugar–but why, exactly is it so bad?

Sugar is a type of carbohydrate, and while the body needs carbs to function, it doesn’t need a ton of sugar, per se. Unfortunately, refined sugars seem to be in just about everything. Most of us associate it with candies and sweets, but it’s actually added into all kinds of processed foods, including seemingly “healthy” foods like granola bars, ketchup, and dried fruit! The sugars our body does need come from the right carbohydrates such as those found in fruits and whole grains.

Knowing this is one thing; acting on it is another. The way sugar affects the brain can make it difficult to resist. Let’s take a look at how sugar works with our brains, and how we can train ourselves to eat less and less of it.

Addictive

Sugar is majorly addictive. In short, it affects the brain in the same way that drugs and alcohol do (though perhaps not with the same intensity). When you eat sugar, it activates the brain’s reward system. Now, there are lots of healthy activities that also trigger the reward system. The difference with sugars and drugs is that they overdo it. The more you consume sugary foods, the more you start to associate them with the reward of feeling good, which in turn will make you crave more. Sugar also causes the body to release dopamine, a chemical that makes us feel good. When something releases dopamine, it makes us want to pursue it more and more, so we can get that good feeling. So you’re double-whammied with sugar! Unfortunately, not all healthy foods do this. If you want some visual aids and an in-depth description of how we become addicted to sugar, check out this TedEd video.

Harmful

Sugar is hard on the brain, because it negatively affects both mood and cognition. When you hear someone talk about a “sugar crash,” they’re referring to the quick blood sugar spike and drop that happens after you ingest a sugary food. That quick drop can make you feel jittery or exhausted. And people who eat too much sugar are more likely to suffer from depression.

Sugar ages both brain and body. Studies by UCLA, the University of Montreal, Boston College point to a correlation between sugar consumption and the aging of cells and loss of memory. It is also a big risk factor for developing Alzheimer’s.

Gets in the way of other goals

Sugar doesn’t just affect the brain, of course; it affects the whole body. It promotes bacterial growth that can cause your teeth to rot. It causes inflammation that can lead to joint pain. It affects heart health, skin quality, liver health, and even sex drive. And, of course, too much sugar majorly increases a person’s chance of developing diabetes.

Perhaps the most common reason people try to avoid sugar, though, is that it can lead to weight gain! If we take in more sugar than we need, the body stores it as fat. When it comes to losing weight, the general rule of thumb is that it’s 80% diet and 20% exercise. Sugar cravings can get in the way of achieving the ideal diet, however. Americans eat over twice the recommended amount of added sugar each day.  

Creating new habits

Crash diets and sugar-deprivation diets have actually shown to be ineffective, because they don’t create a habit change. And habit change is the only real way to keep off the negative effects of overconsumption of sugar or fats.

Of course, we do need some sugars. But the kind of sugar that is good for us is not what is found in processed foods. “Good” sugars include those found naturally in fruits, berries, and milk. Some vegetables, like sweet potatoes, also have natural sugars. In short, “good” sugars are what are found in “whole” foods. Unrefined sweeteners like honey, agave, and unrefined sugar are a little better than highly-refined white sugar, but you should still limit them. Artificial sweeteners aren’t actually a good option. They can make you crave even more sweet things!

If you’re trying to cut back on the sugar cravings, your best bet is to try to wean yourself off the refined sugars. Start by removing one sugary or highly-processed item a week. Our brains can’t tell the difference between types of sugar, so replace one “bad” item with a “good” one. For instance, you can trade out cookies for apples, or granola bars for oatmeal with berries. Over time, you’ll start to notice your cravings decrease. Another option is to look for supplements that can help reduce sugar cravings. A product like Lipodrene uses a plant, ephedra, to help curb sugar cravings as well as increase energy. This little boost may give you the encouragement to keep going. After a while, you may even find that when you do eat sweets, they give you a headache!

Setting up a business is a crucial step towards achieving financial freedom. However, it comes with its set of challenges that often demands our undivided attention. For instance, figuring out the best payment processor to use for your distinct business might prove to be a taxing affair.

Sure, there are numerous solutions to consider, but every payment platform has different processes and functionalities. It’s always best to consider all options before making a sound decision.

Here are 5 tips you can use to select a payment solution for your business:

• A solid fraud prevention track record

Data security and information protection are crucial elements that every business needs to prioritize. No corporation, however big, is immune to data breaches from malicious entities. Even popular stores such as Target have previously been attacked by online con-artistes who took advantage of their compromised security system. Before subscribing to any payment solution, make sure they offer maximum fraud protection facilities. Check whether they meet different safety guidelines put in place. You can get high risk payment solutions to cover a variety of business processing needs.

• Responsive customer support

Most payment solutions have exquisite systems that automatically handle any anomalies that occur occasionally. However, some issues are extremely delicate and require to be handled by a qualified tech support team. For instance, it’s pretty terrible when a client’s transaction suddenly can’t be processed or is put on hold. As you search for the best payment platform for your business, inquire whether you can get an approachable customer support team as well as a professional accounts director distinctly assigned to you.

• Offers a convenient pricing plan

Different payment processors offer different pricing systems. The flat-rate pricing plan, for instance, allows you to pay a small, fixed percentage when your clients transact. It’s a simple yet convenient planning method that guarantees no hidden costs whatsoever. Tiered pricing, on the other hand, entails compartmentalizing various interchange rates into three pricing tiers that include: non-qualified, mid-qualified and qualified. This way, it’s easy for all concerned parties to comprehend the transaction costs. However, tiered pricing can be expensive since it’s the payment solutions who define how the tiers will look like.

• Compatible with crucial software

If you’re a business owner who uses e-commerce, you probably understand that there’s an assortment of retail platforms online that ought to operate in tandem for the successful running of the business. Before running off to find a convenient payment solution to handle all your transaction processing needs, check whether their software is compatible with crucial business applications that are already up and running. This will save you lots of hassle from the get-go.

• Local vs global outreach

The choice between a local and global reach depends on your business scope. Which regions/countries do you intend to sell your items? If your wish is to cover the local market, you can simply subscribe to a local payment processor. These usually generate attractive fees since they’re linked to homegrown banks. If you’re thinking of transcending the horizons and selling worldwide, you may need an international processor to handle your payment solutions. The fees will certainly increase, but your business will get ample space to develop.

These 5 tips will help you select the best payment solution for your particular business.

Keith Davitt, the Founder & Co-owner with his wife, Jackie Mckannay of Thirstycat Fountains that have been making ceramic, handmade fountains for cats since 2008 joins Enterprise Radio.

Listen to host Eric Dye & guest Keith Davitt discuss the following:

1. So you make ceramic fountains for cats. Do cats need fountains?
2. Are there other companies that make cat fountains?
3. What makes yours different and if so, how do yours compare in pricing?
4. Are cat fountains easy to set up and maintain?
5. How long do they last?

Thirstycat Fountains was created in 2009 when Keith, previously a landscape designer, began making decorative ceramic fountains for the home. He found his cat, Bijou frequently using the fountains he’d placed around the house  and realized he nearly never saw Bijou using his water bowl. He wondered, is this a thing?

Cat fountains? A google search revealed cat fountains were indeed a thing with many commercial brands available. He learned that In the wild, cats crave moving water as still water is unsafe, and cats are still very much ‘in the wild’. Consequently cats don’t drink enough which gives rise to numerous serious ailments. But all the fountains he found in google searches were unattractive and made of plastic. In addition to mention of the carcinogenic properties of BPA in plastic, there were also many articles and posts about the harmfulness of plastic for cats’ food and water bowls because they become scratched. In those scratches bacteria grow and can cause chin acne and other ailments in cats.

Keith saw the need for a completely food safe, attractive cat fountain. After two years of research and experimentation finding the best components and developing designs to make set up and operation easy, Thirstycat Fountains was born.  Our goal is, was and will remain, to be the gold standard of cat fountains worldwide.

Thirstycat Fountains can be purchased from their website, www.thirstycatfountains.com, from their Etsy store; Thirstycat fountains and from Amazon Handmade where they were recently invited by Amazon to set up shop, as: Amazon Handmade – Ceramic Fountains For Cats & For For Beauty.

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Greg Hulsizer, HNTB Corporation’s West Division Toll Market practice leader, one of the nation’s top infrastructure solution firms with more than a century of service to public and private owners and contractors joins Enterprise Radio to talk about the importance of never stop learning, growing and adapting.

Listen to host Eric Dye & guest Greg Hulsizer discuss the following:

1. As a nationally recognized expert, why do you feel it’s important for organizations (and their people) to be constantly learning, growing and adapting? What are some of the keys to success?
2. When you talk about a learning and adapting organization, what do you mean and what does that look like? Why is it important to question the status quo?
3. You mentioned that it is essential to question the status quo, so how does the concept of “Blue-Sky” thinking fit into a learning and adapting organization? How can continuous learning and adapting keep you ahead of the competition?
4. How do you instill this type of learning and adapting environment in your organization and people? What are some creative ways you have found to do this?
5. What roles do mentoring and peer groups play in continual growth? As executives, how can we keep ourselves learning and growing?
6. Clearly there are significant benefits for businesses from making investments in their people and organizations. How do you measure your return on investment?
7. If you had one piece of advice for business owners and executives, what would it be?

Greg Hulsizer is HNTB Corporation’s West Division toll market practice leader. He has more than 30 years of executive and board-level experience in leading high-profile public- and private-sector organizations. He is widely recognized as a highly effective leader, consensus builder, and innovator in the development, operation, and management of public agencies and private companies, particularly in environments requiring collaboration and political and community support.

Hulsizer is well-known in the toll industry as the CEO responsible for leading the construction, start-up and operations of California’s two innovative public-private partnership toll facilities – the SR91 Express Lanes and the SR125 South Bay Expressway toll road. He also served as founding CEO of Cofiroute USA, a toll services contractor. His career also includes 18 years in public administration, serving as city manager and other positions for three southern California cities.

About HNTB

HNTB Corporation is an employee-owned infrastructure solutions firm serving public and private owners and contractors. With more than a century of service, HNTB understands the life cycle of infrastructure and addresses clients’ most complex technical, financial and operational challenges. Professionals nationwide deliver a full range of infrastructure-related services, including award-winning planning, design, program management and construction management. For more information, visit www.hntb.com.

Website: www.hntb.com

Social Media Links:
Facebook: https://www.facebook.com/HNTBCorp
Twitter: https://twitter.com/HNTBCorp
Linkedin: https://www.linkedin.com/company/hntb

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The property market is a hot and competitive market with low-interest rates and limited inventories which have created an ideal seller’s market in most parts of the country. On the other hand, buyers are often faced with high prices of houses, numerous bidding wars and prolonged search periods as they go into a very competitive property market. 

There are different factors which can influence the pricing value of a property, some of which are based on economic theories, population density, location and so on. Below are factors which can affect and impact property prices in 2018.

Location

The location of your home can have a great impact on its price. If your property is in a desirable location, with amenities and close to commuter links, with proximity to good schools, recreational facilities, recreational centers, and employment opportunities, the pricing value of a home will a positive impact. When a location is desirable, there is competition to move there and this, in turn, increases its price value.

Interest Rates

When there’s a rise in the interest rate, it means there’s an increase in the cost of variable mortgage payment by mortgage lenders. This is an important factor because it can lead to a decreased rate of mortgage offered by banks, which in turn reduces the monthly payment of mortgage a buyer must pay for a given amount of mortgage. 

When a mortgage monthly payment reduces, the loan becomes affordable to a homebuyer; this, in effect, can cause an increase on the size of its mortgage for which prospective home buyers are eligible to get, and this will likely lead to an increase in pricing value of properties.

Demographics

Millennials make up one of the biggest demographics and a larger percentage of first time home buyers in 2018. The demand for housing from these demographics is very enormous. This means if some people are pushed out of the market due to rising interest rates and other factors, there could still be a lot of millennials who are first time home buyers looking to buy houses, thereby causing an increase in pricing value of homes.

Economic Growth

As there is a boost in the growth of the economy and increased wages, more people would be able to buy a home. This will cause an increase in the overall demand of properties, therefore, increasing the prices of homes. Thus, making it quite the consistent demand in services from residential moving companies.

Home Upgrades

Adding upgrades to kitchens, flooring, walls and other parts of the home affects the pricing value of the home. A lot of buyers would prefer to purchase a house which is move-in-ready and will be willing to pay a reasonable price for such comfort. 

According to the National Association of Realtors, upgrades done in bathrooms and kitchens are among top upgrades cited by home buyers as some of the more important upgrades, as they represent a major expense if they had to do it themselves.

In the current corporate environment, it’s vital to ensure that your office space is the epitome of flexibility. Studies have shown that the only way to get the most value from your staff – one of the most valuable assets in your business – is by providing a great working space.  By doing this, you are creating a space that encourages increased productivity levels, innovation, as well as maximum collaboration.

So it makes sense why so many businesses focus on optimizing their office design. The aim of this is to switch up the dynamics, stay current, and remain competitive in the industry. But is that the right way to go? Picture this: in the next the next few years, your company’s needs will definitely change. So there is no need to box yourself in with an elaborate office setup that will take a lot of money to reinvent!

What you need is to create a workplace strategy that will not only add value, but can be easily switched up to align with your company’s needs at anytime. Here are some steps you can take to make your office space flexible:

1. No Walls Necessary

If you walk into any modern office, you will realize that personal office compartments are a thing of the past. Not only do they hinder future expansion, but they limit your customization options. Open office designs are a great alternative. They promote collaboration in the workplace. Also, taking the walls down is cost effective and the ultimate definition of flexibility. Be sure to implement the open office design with keen focus on enhancing a communal feel that is not too intrusive on your employees.

2. Incorporate Window Desks

The future is finally here! Window desks are the real deal in today’s office space setting. It’s clear that open office plans and compact spaces are the in-thing right now. So it only makes sense for you to incorporate some furniture that doesn’t take up too much space and yet doesn’t compromise on functionality.

Having several workstations set up in the windows area makes brainstorming and coming up with more ideas even easier for your team. Further, a window desk promotes great healthy habits by ensuring that you to avoid sitting down for hours on end. After all, a healthy employee is great for business!

3. It’s all in the Lighting

Let there be light! Any interior designer will tell you that lighting has the ability to spruce up any space automatically. Playing with some lighting options in your office will give it the best ambiance and make it feel even more fun and relaxing. Switch up the everyday mundane lights by installing colored LED strips at different workspaces and around the office. Think of quirky lamps, pendant lights and table lights among others that don’t compromise any visual aspect for your employees.

4. Personalized Workstations

Allow your employees to personalize their workstations by including their own accessories or even having a say in the kind of furniture or upholstery used. While it’s important to consider ergonomics, you can achieve this without ending up with an office that looks dull and soulless. Workstation dynamics not only changes how the workplace looks like, but it also has a huge hand in your employees’ productivity.

5. Self-assembled Meeting Pods

Instead of going through the hustle of booking boardrooms everytime people need to have a meeting, why not add some meeting pods in the office? They are usually assembled when needed and don’t require any installation. They can be shrunk and expanded at will and can even absorb any unwanted noises. These creative spaces make having meetings even easier without crowding your office space.

Patrick Henry, the CEO of QuestFusion and author of PLAN COMMIT WIN: 90 Days to Creating a Fundable Startup. QuestFusion provides strategic guidance to startups and emerging growth companies joins Enterprise Radio.

Listen to host Eric Dye & guest Patrick Henry discuss the following:

1. It has been over a year since the last time we spoke.  Tell us what’s new with QuestFusion.
2. What do you cover in the online course?
3. Why are you turning PLAN COMMIT WIN into an online course?
4. Other than the online course, what else has QuestFusion been focusing on?
5. How can people buy your book and register for PLAN COMMIT WIN Mastery?

Patrick Henry, the CEO of QuestFusion and the author of PLAN COMMIT WIN: 90 Days to Creating a Fundable Startup is a San Diego-based entrepreneur and the former CEO of Entropic Communications. Mr. Henry is a seasoned executive, CEO, and board of directors’ member, with over 25 years of experience in managing high technology companies. Prior to forming QuestFusion, Mr. Henry is a serial entrepreneur and ran three different tech companies prior to forming QuestFusion. He took the company from a pre-revenue and pre-product phase, to a successful IPO on NASDAQ, and en eventual $1 billion valuation. Mr. Henry has raised over $200 million in funding for his companies and executed on over $2 billion in M&A.

Mr. Henry was the winner of the 2008 Ernst and Young Entrepreneur of the Year award for Technology, the San Diego Daily Transcript 2008 Top Influentials, and 2011 San Diego Business Journal Most Admired CEO. He volunteers his time helping new entrepreneurs and small business owners through his involvement at EvoNexus and Chairmen’s Roundtable.

Mr. Henry has a bachelor in Engineering Science and Mechanics with high honors from the Georgia Institute of Technology, and a MBA from the University of Southern California.

Websites: www.questfusion.com | www.plancommitwin.com

OFFER: Go to www.smartideation.com to get your guide to Smart Ideation, and five step process to creating a winning business idea.

Social Media Links:
Facebook: www.facebook.com/questfusion
Twitter: www.twitter.com/questfusion
Linkedin: www.linkedin.com/patrickhenryquestfusion

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Patrick Healey, Founder and President of Caliber Financial Partners, a financial planning firm based in Jersey City, NJ specializing in investment management, retirement planning, estate planning, tax strategies, and business succession planning joins Enterprise Radio.

Listen to host Eric Dye & guest Patrick Healey discuss the following:

1. In what situations would a business owner want to consider buying life insurance on his or her business partner?
2. When would it not make sense to take out a policy on a partner?
3. What types of life insurance policies are popular for business partners?
4. Are there products other than life that business partners should consider?
5. What’s the best way for a business owner to bring this topic up with his or her partner?

TIP: The untimely death of an owner can derail a small business and leave a burden on the surviving family members. With an appropriate policy, that nightmare scenario can be avoided and can protect surviving partners, family members, employees and customers alike.

Patrick B. Healey, MBA, CFP® is Founder and President of Caliber Financial Partners, a financial planning firm based in Jersey City, NJ specializing in investment management, retirement planning, estate planning, tax strategies, and business succession planning. He is a more than 20-year veteran of the financial services industry with an extensive background in structured finance, investment banking, and equity research.

He is a CERTIFIED FINANCIAL PLANNERTM holding his Series 7, 63, and 65 securities licenses and a life, accident, and health insurance license.

He earned his MBA in Finance, Management, and Entrepreneurship from New York University’s Graduate School of Business and a BA in Economics with minors in German and Accounting from the College of the Holy Cross. He is a member of the Beta Gamma Sigma business school honor society and a former NCAA Division I soccer player at Holy Cross.

Patrick is a lifelong resident of Hudson County, NJ. He is an avid traveler, endurance athlete, and wine enthusiast, and he applies this same passion for life as he does in working with clients.

Securities offered through Kalos Capital, Inc., and investment advisory services offered through Kalos Management, Inc., (“Kalos”) both at 11525 Park Woods Circle, Alpharetta, Georgia 30005. Caliber Financial Partners, LLC, is not an affiliate or subsidiary of Kalos. Member FINRA/SIPC.

Website: www.caliberfinancialpartners.com

Social Media Links:
Facebook: https://www.facebook.com/caliberfinancialpartners
Twitter: https://twitter.com/CaliberFinPar

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Are you thinking of starting a business? If so, you should know that a well-designed plan will help you clarify your vision and map out the path to achieving your goals. 

Not only is this document integral to the planning stages of your business, but you’ll also need to show it to potential partners, investors and lenders to secure funding for your startup. What’s more, a business plan should be continuously updated so it can grow alongside your business and give you plans to refer back to during the (inevitable) hurdles you will face.

As with anything in life, the more prepared you are to start a business, the fewer headaches you’ll face along the way. If you want to get ahead before you’ve even drafted your business plan, ask yourself these four questions first: 

What Is the Purpose of My Business?

You probably already know what product or service your business will provide, but have you thought about why? Obviously, you want to turn a profit, but you need to have a wider purpose such as filling a gap in the market or solving a common problem. Your investors and customers will want to see that you’re passionate about your organization and what it stands for, so spend some time determining your motives, beliefs, values and company mission statement.

Who Are My Target Customers?

Before you even put pen to paper, you need to know if there’s a market for your business idea. It doesn’t matter whether you’re operating online or from a physical location, there must be a demand for what you are selling. Who is your targeted customer, and what do they want? How are you uniquely placed to provide this product or service, and why should they buy it from you?

Find out how well similar businesses perform in your niche, and what your competitors are doing. Learn of their failures as well as their successes, as this should minimize your mistakes along the way. 

What Are the Legal Formalities?

You may be surprised how even your early business decisions require knowledge of the law. For instance, before you choose a name for your business, you need to check that you aren’t breaking any trademark laws by making sure that name is available in your state. You also need to learn about employer/employee laws, choose legal a structure for your business and obtain the necessary permits and licenses. 

Getting your legal ducks in a row requires time, effort and knowledge, so you should consider hiring Revision Legal Internet Lawyer for advice if you’re a new business owner. 

Does Your Idea Hold Weight?

Starting a business is risky, even with a business plan. You never know if your startup will succeed unless you try, but thankfully there are ways of testing the waters before you launch.

Talk to industry experts and entrepreneurs in your niche to get their take on your business concept. Ask potential clients (your target customers) for feedback, perhaps by giving out freebies or creating a mock-up product. Give someone an elevator pitch and see how he or she responds. All of this feedback is excellent fodder for your business plan, and it will (hopefully) give you more confidence in your idea. 

Creating a business plan is the first step on the road to success, but a little planning beforehand will set you in good stead for the future. 

Although the job market from 2017 to 2018 has significantly grown since the recession of 2008, the competition amongst qualified applicants is still fierce. The Bureau of Labor Statistics projects that from 2014 – 2024, there will be over 9 million jobs created. But for every job opening that’s posted, recruiters will see an average of 250 resumes for each position. That’s a staggering number. How on earth can you expect to stand out from such a tidal wave of applicants for every job you want to apply for?

Job search is stressful enough, and over half of current employees in the U.S. are unsatisfied with their jobs and are actively searching for new ones. Potentially, you’re competing with over half the working population of the entire country for a new job. That’s insane. It’s even more insane the amount of work you’ll put in just to get new work. Hours of researching companies, their positions, and crafting and polishing your resume and cover letter.

Your cover letter. 

While the resume gets all of the credit for being the one thing recruiters will use to make hiring decisions, the cover letter deserves far more credit. It’s the first thing a recruiter will see when looking over candidates to hire. Recruiters only have a finite amount of time to research and choose qualified candidates for an interview, and they use the cover letter as a part of a sorting process before they whittle down the applicant pool. If your cover letter doesn’t grab their attention within seconds, it’s going into the trash. All of that time you spent applying to the company is a waste if your cover letter puts you firmly into the ‘no’ pool. But thankfully, there’s a quick and easy way to get your cover letter to stand out for you. 

You delegate it. 

Unless you’re applying to writing positions, you’re probably not a writer. It takes a particular skill set to know how to formulate and draft an outstanding cover letter that’s going to differentiate you from rival job applicants. Below are three reasons why you need to delegate this crucial task to a professional cover letter writer today.

1.    Delegating will save you time and energy.

You spend a lot of time and energy researching companies and polishing and tweaking your resume. And if you’re a serious job hunter, you’re probably updating your skills with courses, internships, volunteering, or part-time work. These are way better uses of your time than spending it getting frustrated and feeling insecure about your cover letter. Let a professional take some of the work off your plate and make the job hunting process a little easier. 

2.    It takes specialized knowledge to formulate, polish, and shine a winning cover letter.

Writing is a skill, and writing something as concise and vital as a cover letter takes a unique set of experience and knowledge. A professional writer will understand exactly how to research your company of choice and your unique job experiences and put it into a winning formula to entice the job recruiter. 

3.    A cover letter is too important to scrimp on.

You need a way to stand-out from the crowd of resumes that are flooding the job position you want for yourself. In addition, while it’s true not all employers will ask for a cover letter, a third require it, and you don’t want to get caught unawares when you send in your resume. Furthermore, while some will not need one, it’s still an excellent way to differentiate yourself from the competition and catch the attention of the recruiter. 

With a professional cover letter writing service, you’ll save time and energy while on the job hunt. A professional will take the time to really understand your unique job qualifications and experience, as well as the intended company’s culture and expectations for the position they wish to fill. To stand out from the crowd and get the eye of the hiring manager, delegate this critical task to a winning, professional writer today. 

Marketing helps to spread the word out about your company which in turn translates to more sales and more profits. You can use various methods to market your company such as advertising on television, on the internet, on radio and use of signage.

While it may sound simple, marketing your company needs to be strategic so you can reach your target audience.

Here are five tips you can use to market your company

1. Identify your target audience

When you know who you are targeting, you can choose the right marketing channels to reach them and when. The results can be higher rates of returns from your marketing campaigns as you get more leads. You can identify your target market by determining who needs to use your product or service by considering factors such as age, marital status, geographical location and income levels.

2. Market using different channels

Use different channels to reach your target audience. It is not enough for you to try to reach customers using just the radio or TV. Test various channels and determine which has better results.

For instance, if you are targeting octogenarians, you may reach them more easily via newspapers than by using social media. The situation is different when you are targeting millennial since they are likely to be reached on social media than by using newspapers.

The more the potential customers hear or read about your company, the more they are likely to accept your brand and go for your product or service when they need it.

However, it is good to use visuals, especially near your business establishment by using signage to help your customers identify the location of your company and be familiar with your products and brand.  You can use sign companies cincinnati to create the kind of signage you require for your company.

3. Embrace latest marketing trends

Gone are the times when marketing involved advertising in newspapers, radio, and television. Now there is social media marketing, content marketing, blog influences, online video marketing and thought leadership among others. All these have changed the way marketing is done.

By embracing other marketing techniques, you will ensure that your company will reach your target audience, and sometimes even at no cost.

4. Test results

In most cases, you will spend money on your marketing campaign. It is essential that you should measure the results. Devise ways to know the conversion rate of a particular marketing method to ensure that the rise in sales correlates with a particular marketing channel. Find out the marketing channels that bring in better results and stick to them.

5. Listen to the customer

The purpose of any business is to meet the needs of customers. You cannot meet these needs if you do not know them.

You may have the best marketing plan, identify your target customers and make the best product or deliver the best service, but if it is not what the customer needs, your company is doomed to fail.

Give your customers a platform where you can hear them. Luckily, now there are social media which can connect you to your customers easily. Let the customers give their opinions, complain or praise you. Remember to address even the furious and dissatisfied customer as this will make them feel valued and also attract others since they know their issues will be addressed.

Cole Sirucek, CEO and Co-Founder of DocDoc, Asia’s leading patient empowerment company that operates in over 8 countries with more than 23,000 doctors, enabling patients to find the right care at the right time joins Enterprise Radio.

Listen to host Eric Dye & guest Cole Sirucek discuss the following:

1. What is the current state of the healthcare industry in Asia and how is technology transforming healthcare?
2. Can you tell us more about your company, DocDoc?
3. What was your motivation behind starting this company?
4. How is DocDoc different from other healthtech companies like telemedicine portals or patient review platforms?
5. Considering your experience in the healthtech industry, what advice would you give to other entrepreneurs in this field?

Cole Sirucek is an investor and entrepreneur with over 19 years of experience founding, investing into and otherwise supporting entrepreneurial ventures.

Cole has founded a diverse range of businesses in his career. He is currently the Co-Founder and CEO of DocDoc, which is Asia’s largest patient empowerment company.  He is also a Managing Director of Founders Equity Partners, a direct secondary investment firm.

Previously, Cole co-founded Epic MMA Club, Asia’s largest mixed martial arts training center. He has also served as an Independent Member of the Board of Directors for Global Eagle Acquisition Corp, a US$190M, NASDAQ listed SPAC focused on the media and entertainment industry.

Cole spent seven years as a direct investor with Temasek Holdings. In this capacity, he sourced, executed and monitored investments on a global basis in the firm’s telecommunications, media and technology group. He has successfully invested over US$500M in private equity direct and secondary transactions.

Before Temasek, he was the Co-Founder and Executive Vice President of Pluto Networks, a wireless data networking company. He has formerly held executive positions in Hawaii’s State Government and has worked as a technology venture capitalist and strategy business consultant.

Cole has received numerous recognitions to include, “Asia’s 100 greatest leaders,” “The 30 most inspiring entrepreneurs of Asia,” and “The 30 Best Entrepreneurs to Look For in 2018.”

Cole attended Massachusetts Institute of Technology, Sloan School of Management (Master of Business Administration) and Harvard’s Kennedy School of Government (Master in Public Administration). In his free time, Cole is a martial artist, adventure racer, scuba diver and mountaineer.  He has completed self-supported 250KM foot races across China’s Gobi Desert and Egypt’s Sahara Desert to fund medical missions in Asia.

Website: www.docdoc.com

Social Media Links:
Facebook: https://www.facebook.com/cole.sirucek
Linkedin: https://www.linkedin.com/in/cole-sirucek-044290

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Deadlifts are one of the most popular weightlifting exercises, and they have significant benefits for strengthening your core, back, and legs – so it’s no surprise that more people than ever are trying out this powerlifting exercise.

But deadlifts do have a number of risks, due to the heavyweight used, and the techniques required to lift heavy weights safely. If you perform deadlifts incorrectly, you could be at risk of back, shoulder, and leg pain.

Lower back pain from deadlifts are especially common among people who have just started.. So in this article, we’ll discuss the mistakes that can lead to lower back pain, and how to correct them! Let’s begin.

1. Start By Learning Proper Deadlifting Technique

The importance of this cannot be overstated. If you are not deadlifting properly, you will hurt yourself. It’s not a question of if, it’s a question of when. Eventually, your improper biomechanics will lead to pain your back, legs, or shoulders – and could even cause injuries.

Here’s a basic outline of the steps you should be taking when performing a deadlift.

1. Begin by holding the bar using a straight-arm, shoulder-length grip. Your mid-foot should be placed directly underneath the bar, with your feet firmly planted shoulder-length apart.
2. Bend your knees, lowering yourself until the shins contact the bar
3. Assume a neutral back position. Keep your back flat, no “rounding.” Brace your core, and take a breath
4. Tighten the lats and shoulders to prepare to accept the load of the heavyweights
5. Pull. Keep the bar against your legs, pulling the weight up while using your hips as a “hinge,” until you are standing completely erect.
6. Lower. Maintain your neutral back position, and lower the weight to the floor in a smooth motion.

Need further tips, or to see a proper deadlifting technique in action? Take a look at this video from Mark Rippetoe, author of the Starting Strength weightlifting guide.

2. Improve The Range Of Motion Of Your Hamstrings

If your hamstrings are tight or inflexible, you may have lower back issues, even when lifting properly. Tight hamstrings increase the tendency to “curve” the back when deadlifting, which can lead to lower back pain and damage.

You should use a variety of hamstring stretches to improve your range of motion. Note that you should not stretch your hamstrings immediately before deadlifting, as this could lead to weakness and injury.

3. Activate Your Back And Shoulder Muscles Properly When Lifting

This is another common cause of lower back pain during deadlifts. If you’re not activating your lats and shoulders properly, you’re putting excess strain on your lower back, which can lead to pain.

When lifting, you should pull up the “slack” on the bar, until you hear the “click” caused by closing the gap between the bar and the plates loaded onto the bar. When you hear this “click,” tense up your lats and shoulders – before pushing up with your legs. This is the best way to ensure that your back and core are properly tensed before lifting.

4. Don’t Let Your Ego Control You – Know Your Limits 

We’ve all been there. You’re feeling good about your lifting abilities, and you want to challenge yourself – or you’ve had to take a break for a few weeks, but want to get back to lifting the same weight you were in the past.

Don’t overdo it. Every human body has limits – and when you push past these limits, you’re at risk of hurting yourself. 

If you are experiencing lower back pain, don’t just keep lifting the same weight. Lower the weight, refine your technique and keep at it until you can lift pain-free. Then, begin raising the weight slowly to ensure you do not repeat the past mistakes that caused your pain.

Listen To Your Body – Get Help For Lower Back Pain Caused By Deadlifting 

In some cases, lower back pain cannot be resolved by simply changing your deadlifting technique. If you experience either acute or chronic lower back pain, see a specialist physician right away. Deadlifting incorrectly can cause major damage to the spine, and it’s critical that you address any pain before you try to lift heavy weights again.

Listen to your body, change your technique, and get the help you need. You’ll be back to lifting heavy weights in no time.

Case Lawrence, Founder and CEO of CircusTrix, the world’s largest extreme indoor recreation company joins Enterprise Radio to talk about the journey en-route to opening nearly 200 locations in just 7 years.

This episode of Enterprise Radio is working in association with the Startup Channel.

Listen to host Eric Dye & guest Case Lawrence discuss the following:

1. What does CircusTrix do?
2. What was your journey to becoming Founder and CEO of CircusTrix?
3. What were some of your biggest obstacles you faced as you built CircusTrix?
4. What are your thoughts on the experience economy and the idea that consumers are gravitating more toward interesting experiences rather than products?
5. What does that mean for businesses and those looking to start their own companies?

Case Lawrence went from bankrupt real estate broker to CEO of a global trampoline park company with nearly 200 locations in just 7 years. After trying to recover from a hard hit by the recession in 2007, Lawrence was inspired to open a trampoline park after taking his sons to House of Air in California. CircusTrix provides extreme indoor recreational experiences by featuring trampolines, foam pits, parkour and obstacle courses, American Ninja Warrior training gyms and more. His company’s most recent acquisition of trampoline chain, SkyZone, makes it the largest franchisor of trampoline parks in the world.

Website: www.circustrix.com

Social Media Links:
Twitter: https://twitter.com/circustrix
Facebook: https://www.facebook.com/circustrix

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