Ever wonder why some companies make more money than the others? Why some have a higher ROI in spite of being in the same industry as you are? While the others complain about deteriorating margins, these guys can make a lot of money without any problem at all?

Understanding the ROI formula

The Return on investment is a simple ratio, but understanding its implications can help you go a very long way as an entrepreneur. It is simply return divided by investment. You can increase your profitability, which implies increasing your selling price. And you can reduce your investment and with the same returns enjoy an increased profitability.
To take a simple example, if you were selling something for 100 bucks and made a 20% profit, you could increase this profit to 50% if your investment fell to 80 bucks. A 20% decrease in investment led to a 30% increase in profitability.

The important observation is that they are inversely related. Another important observation is that as costs keep on falling, profitability will increase at an increasing rate. So the harder they fall the better it is for you as they will propel you to a situation of leap-bound growth.

Understanding Control

Now since we know the mathematics of the ROI formula, lets see what we can do and what we cannot do. In many cases particularly in online retail, increasing your selling price will be a suicidal move. A lot of businesses are built on cost superiority. Customers want cheaper goods which are of the same quality, especially when they can see that the quality is same.

Consider a customer buying a cell phone from you or your competitor. They know that it is the same phone and they are not going to pay the cost of your inability to manage your operations effectively. So the selling price is basically market-driven.

But is it the case with costs as well? Most mediocre retailers consider this the case. So they sell at market-determined prices and pay those costs and make the normal market profit. But the smart ones dont do things differently. They know that what goes out their pocket is under their control.

Using A Little Creativity

Now just think how you can reduce your investment in business. Each time you make a purchase you pay, and each time you sell, you receive. For an average retailer, this is the chronology of events that unfold in course of a transaction:

Place order for raw materials
Pay and receive order
Hope, pray and wait for customers to turn up
Sell and receive payment

Pay careful attention to the cash flow. Money leaves your pocket at point two and returns at point four. The more the time difference, the greater amount of money you will have to put in as investment, as most people buy in bulk and sell in small lots. So you pay a big amount upfront (investment) and expect smaller parts to come back with profit.
Imagine this, how would this situation be:

Receive order to sell and receive payment
Order the supplier and take goods
Pay the supplier after a time lag

Here money enters your pocket at point one and leaves at point three. Technically speaking, you dont need any money to run your business. People are running it for you.

Analyzing The Basis Of Power

Anyone who has the control over sales has control over suppliers. So what causes you to have control – lower prices. And who funds those lower prices? Your suppliers.

The Rules of Vendor Financing

It is wrong to jump to the conclusion that anyone who goes out there and cuts prices will gain market share and can then have control over the supply chain. It requires a careful analysis of many factors like:

Power: Power here does not refer to brute strength. It depends on the ability to make choices. If you can break a relationship with a supplier and find others to deal with, while he cant find other customers as good or as big as you, you have the power. Which brings us to the classical dilemma of how does a start up build power? The answer is simple, deal with people who are relatively smaller. The idea is to enter the relationship as an equal and run the business on break-even for some time until you gain control of the sales, and then use this control to get credit, which will make you profitable.
Fixed costs: If a large amount of your costs are fixed costs, this strategy wont work. You cant ask your vendor to pay your rent or employee salary, they would simply see through it and want to get rid of you as soon as possible. Even if you have to pay them from your pocket, just eliminate them. Your job must be to convert as much of your costs into variable costs, as possible and assign each vendor the responsibility for taking care of them for a certain time period.
You will see that as your sales increase and by extension their sales increase, they will be keener to supply you trade credit and you can use that money to run your operations with virtually no money down.
Create the pull effect: The whole system runs because the customer pays money upfront and accepts a delayed delivery. This is the rule of the thumb for online businesses, and you dont have to make an effort to create this change. Under no circumstances should you pay before you receive. The idea is to be relatively bigger than both the supplier and the customer. You should have more bargaining power on each side for this to work effectively.
Plan for stock outs: In such cases, when you buy on the spot, there are instances when you have taken the order but the supplier doesnt have the goods. So make sure that you have a contingency plan. Keep standby suppliers who may be a bit more expensive. Remember customers are your source of power. If you have to take a loss or a smaller profit to safeguard your reputation, do it. Once you have made a commitment, always deliver.

Some Numbers To Consider:

Whenever you run a system, some numbers serve as important metrics to tell you the health of your operations. They are like the barometer of your success. For this strategy of vendor financing, here are the important numbers:

Cash conversion cycle: It is the difference between when you pay and when you receive. This number should always be negative. The more negative it is, the better it is for you. It means that you are running your car with your suppliers gas.
Working capital: This is another measure of the same thing. Working capital also must always be negative. This means that your current assets will be less than current liabilities. You will always owe people money, but you dont have to bother since you already have the cash and it is interest free.
Inventory levels: Once again this number should be reducing. Although this cannot be negative and you cannot have -5 goods stored with you, the number must be as close to zero as possible. Only stuff that you see a demand for must be purchased in advance. The rest must be purchased after receiving the order.
Sales: This is one number that must always be rising. For you to effectively wield your power over the supply channel, the suppliers must see you as an important customer. Someone who will make their sales grow. Their sales grow only when yours do.
ROI: Keep an eye on your ROI and that of the others. Remember its a power game and if someone else will steal the sales, they will also steal the suppliers and maybe your entire business.

Auto insurance is something that everyone who owns a car needs to have. Driving an automobile can be expensive so making sure you save money of your auto insurance is crucial. It is a good idea to compare prices and get quotes online so that you know that you are getting the best policy possible.

Checking online quotes is easy to do when you search for low cost auto insurance online. Always make sure that you do not go with the first quote that you receive because there may be better rates available to you. It is worth spending the extra time to check around and see what kind of prices on auto insurance you can find.

We all want to save money on our monthly expenses and getting a low cost car insurance is going to help you to accomplish that. It seems like everything we spend money on from food to gas is going up in price so saving money is important.

You need to also check with your homeowners insurance to see if you get auto coverage with them if you can save money on having two insurances with one carrier.

In many cases this is possible for you to do and save money.

Also check and see how many miles you are driving because if it is less than the policy covers than you can get a price reduction from that as well. There are many ways to save money when it comes to automobile coverage but you need to search around before making a final decision.

Business travel is probably the oldest form of travel known to man and perhaps the single most influential reason behind the development of the travel industry. A few millennia ago traders and sea farers undertook arduous journeys across the seven seas and the five continents in the name of commerce. Today company executives undertake the same journeys, sometimes even visiting the same cities in the name of corporate travel.

With the globalization of international trade and emerging markets, business travel has grown exponentially. Following the post Second World War era and the expansion of trade and commerce many corporate organizations looked towards expanding their horizons and spreading beyond their homelands. This concept is not entirely new, for example the colonial eras preceding the 20th century saw certain European companies expanding into Asia, Australia and Africa.

Following this phenomenon and the emerging markets in Asia and Latin America fuelled the growth of business travel.

Especially with the current lull in the global economy, increasing inflation, high oil prices and the specter of terrorism leisure travel has seen a decrease. However, by stark contrast business travel has been increasing rapidly. Many attribute this to North American companies outsourcing production to emerging Asian players such as China, Vietnam and Thailand. Also the booming economies of India and China have made it the place to be as far as trade and commerce is concerned.

With a number of factors fuelling the growth of business travel, many airlines, hotels and other travel related service providers have been quick to explore this vibrant market segment.

Business travelers are mostly affluent and demand a certain level of sophistication. They also require tools to facilitate their business transactions such as meeting and conferencing facilities, the latest communications technology and most importantly a serene environment at the hotel they chose to stay in.

For business travellers to treading all around the world, Langham Hotels offer a luxurious gateway. Langham International, a reputed luxury hotel chain offers great comforts to business travelers from around the world at its numerous properties.

Computer is not only a device anymore which is just used for mathematical calculations and storing files and presentation but it has now turned in to full fledged entertainment multimedia center as one can now play movies, music, videos and even do video conferencing and so on. Computer games have also now evolved in to a very huge industry with more and more people getting in to PC games and becoming an avid player. This is why having a good set of computer speakers is a must to ensure that your gaming, music listening, video chatting and movie watching experience is enhanced to a different level.

Have you ever wanted the high quality sound that goes with having a Pro Logic type sound system without having to pay a small fortune? I recently discovered that surround computer speakers are a good cheap alternative that you should seriously evaluate. I’m really glad that I did, because I couldn’t be more happy with the quality of my sound setup — and it didn’t break my bank account!

There are various capacities of computer speakers available starting from just 2 set of speakers to 5.1 channel speakers and 2.1 channel speakers with woofer and sub woofer. These kinds of speakers have great quality output and clarity and enhance your gaming or movie watching experience to a great extent. You can download and watch movies at home as these computer speakers gives you just the kind of output like a home theatre system. There are many companies manufacturing computer speakers like JBL, Altec Lansing, Creative, Bose, Yes, iBall, Logitech, Sony, Generic, Philips, HP, Dell, Labtec and so on.
Depending on the kind of output you need and the purpose you are buying computer speakers for, whether it is for normal day to day work or for gaming or movie watching, your preference and choice will become precise and you will be able to buy the one which will suit your needs perfectly.

In previous articles we discussed the need to check your pH level, and that your pH level should be 7.2. As you check your pH level you will know what effect the food you are eating is having on your body. Eating sugar, processed food, and even drinking distilled water can make your pH level drop.

Some foods that you think are healthy can be causing your body to become acidic. As we mentioned in an earlier article, the soil from which some food is being grown in is not being taken care of. If the soil is allowed to be acidic, the food will be acidic. 

Our wonderful country gets food from many other nations. We have no way of knowing if those nations take care of their soil. So foods that should be alkaline might not be. That is one of the main reasons we must check our pH level routinely.

In the next article we will give you a list of alkaline foods. If you want the list now you can check our web site: Defeating Cancer the Natural Way. This article contains a list of acidifying foods. Acidifying foods leave acid ash in your intestines. Doesn’t sound good, does it? 

You could print this list off and keep it with you. Then when you go out to eat, you can double check the list to remind yourself of your eating goals. 

Alcohol: Beer, Hard Liquor, Spirits, Wine. 

Beans & Legumes: Black Beans, Chick Peas, Green Peas, Kidney Beans, Lentils, Lime Beans Pinto Beans, Red Beans, Soy Beans, Soy Milk, White Beans, Rice Milk, Almond Milk. 

Dairy: Cow, Goat, & All Processed Cheese, Milk, Butter. 

Fruits: Cranberry 

Grains: Rice Cakes, Wheat Cakes, Amaranth, Barley, Buckwheat, corn, Rolled Oats, All rice, Rye, Spelt, Wheat, Hemp Seed Flour, 

Nuts: Cashews, Brazil Nuts, Peanuts, Peanut Butter, Pecans, Walnuts. 

Oils: Avocado, Canola, Corn, Hemp Seed, Flax, Olive, Safflower, Sesame, Sunflower, and Lard. 

Protein: Beef, carp, clams, fish, lamb, lobster, mussels, oyster, pork, rabbit, salmon, shrimp, scallops, tuna, turkey, venison.

Drugs & Chemicals: Chemicals, Medicinal Drugs, Psychedelic Drugs, Pesticides, Herbicides. 

Are you asking yourself what can I eat? Remember, once you reach alkalinity you can add some of the above items back into your diet in small amounts. 

It’s your decision, your responsibility to take care of your health. My encouragement to you to, is that keeping you pH level above 7.2 helps prevent cancer. 

For more information you can log onto our web-site at: pH health

After making an assessment of your options, you have now finally made a decision to purchase a business. With the status of our economy today, more often than not, owning your own business is a much more reliable way of getting financial stability as compared to just being an employee. One of the most common questions related to purchasing a business is about getting the needed financial resources to invest into a business.

It might be quite hard to imagine, but there are many people who are very determined to purchase a business despite their financial limitations or inability to borrow money. These individuals visit banks and other lending firms with the idea that borrowing money is as simple as requesting for it. Problem is, this is not the way banks and other financial institutions lend credit for the purpose of buying a particular business, even if evidence shows that it is very profitable. This is one risk that they are usually not willing to take.

For this reason, it is very important that you first make an assessment of your financial capabilities before even setting your sights on any business endeavor. At this point, you might already be asking yourself how you will be able to raise enough money to finance your business purchase. Generally speaking, banks usually lend credit to individuals, who can pledge a particular property against the amount being borrowed. This means that you have better chances of getting credit approval if you have a great deal of equity in your properties. And because your property serves as collateral/security, this same property will be forfeited in favor of the bank should you fail to pay the principal or at least the interest at the agreed period of time.

So what are your options if you dont have any qualified property that you can use as security? In this case, the bank may still lend you a certain sum of money if you have a guarantor such as your parents or any close relative. In the event that you fail to fulfil your financial obligations at the right time, the bank will automatically run after your guarantor to make payments in your behalf. This is why the role of a guarantor has its risks and a very big responsibility at the same time.

Borrowing money is not as easy as many people assume. To make things easier for you, we strongly recommend using the services of a mortgage broker. A mortgage broker is an individual capable of evaluating your financial status and helps you get a clearer picture of your borrowing capacity. They will be able to inform you about all the important aspects of the loan, such as interest rates and loan repayments, and can answer any questions you might have about the loan too.

# Interactive Gestures control operation
Decreases the risk of accident when operatating the PC. It also supports button commands, and on screen keyboard.

# GPS Navigation for road and 4×4 trips
NISU PC have door to door, voice and visual navigation instructions, and moving map features are available for offroad trips.

# Phone Calls, Hands Free
Advanced calling features, caller ID, call waiting, conference calling, etc. they’re built into NISU PC. Hands free with echo cancellation and noise reduction is available for safety driving.

# Night Driving and parking facilities
InfraRed lighting & front camera increases safety while night driving. Up to 500mt of vision under the darknesst environment. A rear camera is available for parking.

# Makes your trip more enterteinig
Stores and play over 20,000 high quality recorded (256Kbps) MP3 songs, or listen to your favorite FM station, or Internet radio *

# Automatic Power On/Off
PC turns on and shut down when car power on and off.

# HD Movies: Movies and video clips stored in hd drive can be played during travels.

# DVD/VCD Movies: DVD’s and most video formats, from VCD, DIVX to DVD video.

# Internet Browsing: Internet Browsing * capability is included as a standard feature.

# Digital TV, Digital Radio, Internet TV & Radio: With a built-in digital TV receiver.

# Media Support: NISU PC’s hosts virtually all digital media players on the market. MP3, WMV, WAV and PCM formats are supported. The design of interface is unique within all car PCs on the market.

# Games collection: Plenty of freeware games included at no charge, will make your childs to enjoy while on the road.

# Windows Programs: Windows applications are standard. The keyboard, 3D mouse, digital screen, Windows XP, and applications software are bundle it all into the Onboard PC.

# The NISU S160 is small, but it has plenty of power. It’s Intel Core Duo Processor runs both cores at 1.66Ghz. with 2Mb cache. The 677 MHz FSB, DDR2 667MHz memory, and SATA hard disk drive exced power for any simultaneously running tasks.

# It’s 5.1 (7.1 optional) channel Audio system can manage 2 audio streams, that can be redirected independently to the front speakers for driver instructions and to the rear speakers for passengers watching video, listening music, etc., creating 2 independent zones

# Connectivity and transferring between digital devices and the S160 it’s simple USB 2.0, SATA II, RS232 and more, able to link as many devices as you will need in the future.

If you look today in the consumer electronics equipment of the German car manufacturer Volkswagen is one particularly in the small car segment is up to the last detail perfected Einsparwut set, with negative repercussions on the entire vehicle experience. Also present are often only covers the first sight – or so it hoped the savings – remain undiscovered, but also multimedia virtually all renowned automotive manufacturers are lagging up high in the upper class of the current development of the “Mobile Entertainment” afterwards.

MP3 radio stations you get now, although often in the series, but who wants to constantly switch CDs long drives / media, or who has sent the media often sparse monochrome display on the overview of his base still often limited to a maximum of 700MB Media Library? But not only audiophile, today’s drivers without even the full cargo Entertainment, is also part of the navigation is not a true All-In-One solution, unless one is willing to stick to a PDA with a suction cup to the front window – the Aesthetics is here again on the track.

VW seems to slowly accept only wish that all the young drivers generation electronic goodies now before the level of buying the points is almost, and thus Group responded the first time a study on the VW Eos convertible, where a true CarPC multimedia entertainment completely takes over.
To future buyers the option “CarPC” however, the first time in series tick in the “configurator” when buying a Volkswagen, it will certainly take another five to eight years. Reason enough for us, a separate study on its feet set and a polo FUN of so predestined will for the joyous task, with a CarPC equip not only multi-media exceeds the absolute top class facilities, but also by the connectivity of achieving top achieved.

Auto Parts Stores – If someone or anybody wants to buy auto parts for your car or truck or motorcycle, internet is the best place for that.  If you need some part for your vehicle, mechanic may say, part is not available and you have to wait for many days. Sometimes you know which part is required for your vehicle and it is to be replaced.  You may have doubt that mechanic replaced part may not to suitable one to your vehicle or original one for your vehicle. Not only that, it reduces your cost of repair also, if you buy online for your auto parts.

Online shopping has many benefits for the buyers to the extent of 75% OFF which is unbelievable.  Overstock of some companies may give this kind of maximum benefit to the buyer.  This kind of online buying auto-parts may seem to be new to you, but once you start buying you will gradually come to know its numerous advantages.

Number of car owners now opting to get car parts and accessories from the online store. Here are some simple tips which can help you buy the best auto-parts from the online stores without any problem.

1. Firstly, What part you want for your vehicle and you should have at least little knowledge about the part like part name, brand name, price of the part (approximately).  Sometimes you have to tell about the brand name of car, year, make of the vehicle (like Honda 2003 Civic). Basically you need to know what kind of part you part for your vehicle. Auto parts Stores are available at online and so you should be very clear about what you are looking for to make your purchase simple. Fifty percent of burden will be over when you are sure about what do you want i.e. which part for your vehicle and its little knowledge.

2.

You can search on online about auto parts stores for your buying.  The search engine may be bing.com or google.com or yahoo.com or any other search engine you like for your buying of auto parts.  Ask your friends or colleagues check out some reliable outlet on the internet before beginning your search. You can see the site ranking and general repute of a store so that you can buy quality auto-parts. Auto-partsstores(dot)com is online stores and it is affiliate to Amazon and it will help to buy your auto parts for your vehicle.

3. Once you feel the auto parts stores is reliable, you can see further for the auto part you need. Check out all details as well as the price. You can see many sellers are available with different options for you.  You have to select the feasible or profitable option to you for the dealing.  It is important to check that you can compare the prices of the auto parts and settle on the right option according to your need and budget.

4.  It is important that you also need to know the rules and other specifications of an online stores such as shipping charges (it is free if it is more than $ 25), delivery time etc. and make sure it suits your need.  You have to check it out which is beneficial to you since some may have additional shipping charges while others may offer free shipment. Check out all the details before you settle for a product and you should not end up in any mess. It will also save your time and help you to make sure that you get auto parts in the time limit and budget that suits your personal need.

Here you will learn and buy online for your requirement in this auto part Stores and see each and every product reviews, specification/features of product in this site Auto Parts Stores.

What does one need when going on a trip? Travel tickets and a place to stay over night. Getting a convenient travel lodge with rebate prices in some great location where you are free of the daily life stress becomes a true chase for gold in the pre-vacation period. Tourism agents always have all sorts of packages for memorable vacations, but you need to do your homework too and decide what your expectations are before seeing what you are offered. Consider the next tips when in search of a quiet inexpensive travel lodge, and and ask yourself these questions for a good start.

Do you want to go on holiday on or off the peak season? Have you got an exact date you need to stick to? How much can you afford to spend on a travel lodge? How many people are going on the trip with you? Travel lodge is available with lots of hotels, motels and hostels offering accommodation with different levels of comfort, starting with regular amenities and finishing with five star services.

From travel lodge to travel lodge it is normal for the rates to differ, not to mention that discounts can only be negotiated when you pay far in advance for accommodation. Thus, some hotels even allow one the flexibility to book rooms twelve months in advance.

Internet portals facilitate the finding of a travel lodge immensely, as many of them include travel-related menu options. But for such technologies we enjoy today, it could be impossible to find a decent cheap travel lodge in a short amount of time. So far we have referred only to holiday makers who need convenient travel lodge solutions, but there are very many people who have jobs that involve a lot of traveling, and they too enjoy the use of travel-related web sites.

Some companies make their deals through rental contracts for a travel lodge in order to offer the commuting employees all the work conditions necessary.

The reservation for such a travel lodge is made only after a negotiation of the contract, particularly if the company requires the use of the travel lodge for an indefinite period of time. People in search of a travel lodge, who do not have the back covered by a corporation, should carefully look over several quotes before making up their mind, and fortunately web sites do allow comprehensive research making. As for the market trends, it is interesting to point out that there has been a reorientation in the travelers’ preferences for cottages, when traveling to Europe and Great Britain in particular.

Proper maintenance is a necessity in order to keep your vehicle fine and efficient on road. And you can approach BMW Auto Body for your vehicle maintenance. Apart from vehicle maintenance services, BMW Auto Body also offers auto repair services, that too at an affordable rate. BMW Auto Body has been successfully serving Greater Chicago since 1983.

At BMW Auto Body, we are always prepared to handle all types of auto repair and vehicle maintenance requirements. Since our establishment, it has always been our endeavor to acquire the trust of our clients and satisfy them with our services.

Our Mission

At BMW Auto Body, we always strive to satisfy our clients. All our technicians and staff members are committed to deliver the best possible services. We make it a point to treat our clients with honesty, professionalism and respect. We offer high-quality auto parts at an exceptional value. At BMW Auto Body, we understand that our success is totally dependant on how well we satisfy our clients expectations.

The quality service we provide speaks for itself. Our clients often recommend their relatives, friends and acquaintances to have their vehicles serviced at our auto repair and maintenance center.

Our Locations

BMW Auto Body has two offices in Chicago, one in W. Lawrence and the other in W. Grand. We are open from Monday to Friday and closed on Saturdays and Sundays. Our Office hours are from 7AM to 6 PM.

At BMW Auto Body, we mostly serve clients from various regions of greater Chicago like Albany Park, North Park, Rogers Park, Lincoln Park, Humboldt Park, West Loop, River North, United Center and Lakeview neighborhoods.

Our Services

As mentioned earlier, we provide you with auto repair and vehicle maintenance services.

Auto Repair Services

At BMW Auto Body, we provide you with full collision repair, reconstruction, painting and steel and aluminum body work. Apart from this, we also specialize in air bag replacement, realignment of suspension and mechanical repair services. Our other services include oil changes, transmission service, tune-ups and brake repair, towing and tire repairs.

Maintenance Services

We have an excellent team of technicians who handles your vehicle maintenance requirements. We employ latest technologies to cope up with your vehicle maintenance needs.

When it comes to inquiries about your vehicle, you can easily approach BMW Auto Body for answers. For more detailed information and clarify your inquiries on BMW Body Shop and Richards Body Shop, browse through http://www.richards-bodyshop.com. For contacting us, dial (733) 588-3301 or 312-829-0988