Posts Tagged: ‘Needs’

WORKING CAPITAL FINANCING –BOON TO BUSINESS

November 8, 2011 Posted by admin

INTRODUCTION:

It is widely accepted that every successful business must have a strong working capital position. It is in this context; an attempt was made to explain the concept and various determinative factors influencing net current assets below:

Gross working capital refers to working capital as the total of current assets. That is to say, Gross working capital = Total current assets.
Net working capital refers to working capital as excess of current assets over current liabilities. In other words net working capital refers to current assets financed by long term funds or capital employed of the business.

 Accordingly, Net working capital = Current assets – Current liabilities

The net working capital position of the firm is an imperative contemplation, as this will determine the firm’s profitability and risk. Here the profitability refers to profits after expenses and risk refers to the probability that a firm will become technically insolvent where it will be unable to meet obligations when they become due for payment.

A finance manager has to make an appropriate financing mix, which will limit the risk and increase the profitability. Financing mix refers to the proportion of current assets financed by current liabilities and long term funds.

There are two approaches which determine the financing mix (1) Aggressive approach (2) Conservative approach.

According to aggressive approach the long term funds are used to finance only the core or fixed portion of current assets (e.g., minimum level of finished goods inventory, raw material etc) and the other portion i.e. temporary and seasonal requirements are financed by short term funds. This is of high risk and high profit financing mix.

According to conservative approach the total current assets are financed from long term sources and short term sources are used only in emergency situation i.e. when there is an unexpected cash outflow. This is of low-risk and low-profit financing mix.

As we observed two methods of financing mix, one method is of high risk high profit and other is of risk low profit. A finance manager has to trade off between these two extremes.

Operating Cycle:

As there is a time lag between sales and realization of receivables there is a need for sufficient working capital to deal with the problem which arises due to lack of immediate realization of cash against goods sold. The operating cycle is the length of time required for conversion of non-cash assets into cash. This operating cycle refers to the time taken for the conversion of cash into raw material, raw materials into work-in-progress, work-in-progress into finished goods, finished into receivables into cash and this cycle repeats.

The operating cycle length differs from firm to firm. If a firm has lengthy production process or a firm has liberal credit policy the length of operating cycle will be more. On the other hand, if a firm does not extent credit or the firm is not a manufacturing concern i.e. where cash will be converted into inventory directly then the length of operating cycle will be reduced to a greater extent.

The length of operating cycle is calculated based on the following:

  1. Raw materials storage period    (RMSP)
  2. Work in process period              (WIPP)
  3. Finished goods storage period   (FGP)
  4. Debtors collection period            (DCP)
  5. Creditors Payment Period           (CPP)

Therefore Length of operating cycle = 1+2+ 3+4-5

FACTORS INFLUENCING WORKING CAPITAL NEEDS:

A firm should have neither low nor high working capital. Low working capital involves more risk and more returns, high working capital involves less risk and less returns. Risk here refers to technical insolvency while returns refer to increased profits/earnings. The amount of working capital is determined by a wide variety of factors:

  1. Nature of Business: The working capital requirement of a firm depends on the nature of the business. For example, a firm involved in sale of services rather than manufacturing or a firm is allowing only cash sales. In the first instance, no investment is required in either raw materials or WIP or finished goods, while in the second occasion there exists no receivable as there is immediate realization of cash. Hence the requirement of working capital will be lower.

 2    Seasonality of Operations:

If the product of the firm has a seasonal demand like refrigerators, the firms need high working capital in the periods of summer, as the demand for the refrigerators is more and the firm needs low working capital in the periods of winter, as the demand for the product is low.

3.      Production Cycle:

The term production cycle refers to the time involved in the manufacture of goods. It covers the time span between the procurement of the raw materials and the completion of the manufacturing process leading to the production of goods. As funds are necessarily tied up during the production cycle, the production cycle has a bearing on the quantum of working capital.

The longer the time span of production cycle, the larger will be the funds tied up and therefore the larger the working capital needed and vice versa.

4.Production Policy:

The quantum of working capital is also determined by production policy. In case of the firms having seasonal demand of the products like refrigerators, air coolers etc. and the production policy of the firm determines the amount of working capital requirement. If the firm has production policy to carry production at a steady level to meet the peak demand, this will result in a large accumulation of finished goods (inventories) during the off-seasons and the abrupt sale during the peak season. The progressive accumulation of finished goods will naturally require an increasing amount of working capital. If the firm has production policy to produce only when there is a demand then the firm needs low working capital during the slack season and high working capital during season.

 5. Credit Policy:

The level of the working capital is also determined by the credit policy, as the firm’s credit policy determines the amount of receivables. If the firm has a liberal credit policy, then the firm needs high working capital and the firm needs low working capital if the company’s credit policy does not allow it to extend credit to the buyers.

6. Market Conditions:

The working capital requirements are also determined by the market conditions. In case of the high degree of competition prevailing in the market the firm has to maintain larger inventories as customers are not inclined to wait for the product. This needs higher working capital requirements. If there is good demand for the product and the competition is weak, a firm can manage with smaller inventory of finished goods, as customers can wait for the product if it is not available in the market.

Thus, a firm can manage with low inventory and will need low working capital requirements.

 7.Conditions of Supply:

The availability of raw materials and spares also determine the level of working capital. If there is ready availability of raw materials and spares, a firm can maintain minimum inventory and need less working capital. If the supply of raw materials is unpredictable, then the firm has to acquire stocks as and when they are available for ensuring continuous production.

Thus, the firm needs to maintain larger inventory average and needs larger requirementofworkingcapital.

CONCLUSION:

From the above discussion, it is made clear that the objective of financial management is to maximize the shareholders wealth. Hence, it is needed to generate sufficient profits. The profits generated depend mainly on sales volume. When the goods are being sold on credit as is the normal practice of business firms today to cope with increased competition the sale of goods cannot be converted into cash instantly because of time lag between sales and realization of cash. Further this is possible only through evolving effective working capital policy and better administration on current assets financing.

 

 

 

Dr.R.SRINIVASAN is a Post graduate in commerce and Management. He received his doctoral degree from Alagappa University in 1997. He is now Working as an ASSOCIATE PROFESSORin Post graduate and Research Department of Corporate Secretaryship at Bharathidasan Government College for Women (Autonomous), Pondicherry University, Puducherry.He currently teaches Accounting ,financial management and Research Methodology Subjects. Before Joining BGCW, he was teaching in SNR College, Coimbatore, Sindhi college, Chennai& T.S.Narayanasamy College, Chennai for eight years. He was with the industry for a short term at Salzar Electronics Pvt. Ltd, Coimbatore. He has about 20 years of teaching experience and having research experience of 15 years. His interests are in Accounting and finance, Capital Market, Quantitative Methods. He underwent the Faculty Development Programme at Indian Institute of Management Ahmedabad during 2000-01. He has presented 20 papers in national and international conferences and has published twenty papers in the areas of Finance and Human resource Management in National Journals. Co-authored a book titled, ‘Investors Protection, published by Raj Publications, New Delhi He has delivered lectures in contemporary finance topics at Pondicherry University. He is involved in consultancy projects for Godrej Saralee, Chennai in the areas of Statistical Applications. He has supervised a number of research projects in the area of corporate finance and Human Resource Management. He is the Board of examiner in corporate Secretaryship and Management for the past two decades.
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Article Source:http://www.articlesbase.com/investing-articles/working-capital-financing-boon-to-business-1359680.html

What It Entails To Close Business Officially

November 3, 2011 Posted by admin

Even though one does not start a business with the intention of closing in mind, it is helpful to have a strategy on how to officially close it, if and when need arise. There are many issues that may push an entrepreneur to close down a business, some are social, others are legal, while others are finance related. Whatever the reason for the closedown, there are steps that one must carefully consider before declaring the business officially closed.

Much of what needs to be done may depend on the type of business ownership. This is because, when there are more stakeholders, decision making may be biased and may bring up a lot of protocol. One of the most important things to do is to vote for the close of the business. If the enterprise involves more than one overseer or director, minutes of the meeting in which it was decided that the business would be closed should be taken and filed as well as presented to the major stakeholders.

This will show that it was decided without controversy that the venture would head down that road. If your business is registered with the Small Business Development agency, you have to inform them that you are officially closed. The next thing is to cancel or to go back to your books of accounts and see which creditors need to be paid, the pending bills as well as all other dues that need to be taken care of. These will include taxes and all outstanding debts.

Once this is done, surrender all operational documents like trading licenses, operational permits and all other certificates acquired from the government or elsewhere. Once you are done with the above step, notify your creditors, employees, clients as well as other stakeholders that you are now officially closed.

Peter Gitundu Creates Interesting And Thought Provoking Content on Small Business. For More Information, Read More Of His Articles Here CLOSE BUSINESS OFFICIALLY If You Enjoyed This Article, Make Sure You Read My Most Recent Posts Here SMALL BUSINESS

Article Source:http://www.articlesbase.com/investing-articles/what-it-entails-to-close-business-officially-1337697.html

Tips When Ordering Custom Boxes for your Promotional Marketing Needs

July 18, 2010 Posted by admin

Many companies order custom boxes to house information and announcements about new products, to package software, CD/DVD’s and other electronic media, or to have an option over brochures, pocket folders and binders. This article will help you understand your vast options when requesting custom boxes.

Some typical types of boxes include:

- Corrugated

- Plastic

- Turned edge,

- set up boxes

- Aluminum

- SBS

- wood

Most people are familiar with shipping cartons made out of thick brown (or kraft) C-flute corrugated board. Inspecting a side cut of C-flute corrugated, you notice it is very wide and thick; good for shipping things but not good for accepting the kind of graphics required to market a product.

E-flute corrugation is only 1/16th ” thick, much thinner than the C-flute mentioned above. On some requirements, F-flute or B-flute corrugated may be used. F-flute is very thin (even thinner than E-flute) and is used for very small boxes or boxes that require intricate die cutting. Surprisingly, B-flute is thinner than C-flute but thicker than E-flute. B-flute is about 1/8th” thick and is used for heavier weight projects.

Corrugated board is usually stocked by the mill and is defined by colors. Brown, Oyster White, White.

White is the most expensive board and most sought after for graphic usage.

Combinations are available, by special order. Oyster over Kraft or Bleached over Kraft are common. Normally the wavy part of the corrugated board is Kraft.

Decoration of Corrugated

Litho lam: Many customers prefer their corrugated boxes have the graphics printed on 80# litho paper, which can be film, laminated and mounted to the corrugated. (we call this labeling). Film lamination seals the printing and enables the box hinges to be bent without cracking. The label is attached to the corrugated board before die cutting. The film lamination can be either glossy or matte (also called de-lustered). A label can be applied to the outside or the inside of the box (also called the liner) or both. The label usually covers the entire box.

Flexo printing: Imagine a big rubber stamp and you now have a good idea of flexo printing. If complex 4 color process graphics is not required then flexo printing may be an alternative to consider. Because flexo printing is not sophisticated, you can only expect the quality of a 65 line screen. This differs dramatically from the 150 line screen quality common in litho printing (labeling). The most cost efficient type of flexo printing is a flood coat (overall coverage) of a color. Stock printing plates can be used to put the color on the board. However, if graphics or type is required to be reversed out of the solid field or you want to have positive type or graphics, a custom printing plate will have to be made. Flexo plates are priced per square inch. The more graphics or type, the more expensive.

Silk screen: For quantities too low to create expensive flexo plates, silk screening can be a cost effective alternative. Modern technology has made silk-screening almost as clear and sharp as offset printing. We start with your artwork either on a computer disk or good black and white copy. A film positive is made from the art and mounted on to a screen that has been coated with an emulsion. The screen and artwork (on a film positive) are exposed to light for a few minutes. The black of the artwork blocks the emulsion from hardening. The film positive is removed from the screen and the screen is washed with a high-speed water spray. The emulsion where the artwork was is washed away leaving a stencil of the artwork on the screen. The screen is mounted to a press and a squeegee pushes special paints through the screen onto the material for your box.

Silkscreen paints are hand mixed to come as close as possible to a specified color but it is not an exact science. We silk screen on many different color materials and a hand mixed Pantone color match will look different when put on colors other than white.

Turned edge boxes and set up boxes: Whereas corrugated boxes have “raw edges” where you can see the corrugation, turned edge differ because the board is covered by the wrap. Instead of using corrugated board, we use different weights of chip board. In small quantities, these boxes are made by hand. In larger quantities, box making machines are used. Turned edge boxes tend to cost more than corrugated boxes but they have a more finished look. Because chip board is used, these boxes tend to weigh more than the equivalent corrugated box. Set up boxes are in the category of turned edge boxes. These boxes are commonly referred to as gift boxes and jewelry boxes. Both turned edge and set up boxes can be wrapped in a variety of coverings, film laminated printed paper, linen cloths, fancy paper stocks.

Plastic boxes:

Plastic boxes generally are available in either injection molded plastics or die cut sheet plastics. Injection molded boxes tend not to be used for custom purposes as tooling to make custom sizes and shapes is expensive and they are difficult to decorate. Most of our discussion will be on converting sheets of plastic into boxes.

The most common sheet plastics used are polyethylene and polypropylene. Both of these materials can be constructed to form boxes with tuck tabs or can be sonic welded. Sonic welded boxes ship to the customer already assembled. Tuck tab boxes can be shipped flat and assembled by the customer. Both materials come in a variety of thickness’ starting at 16 gauge and going up to as high as 75 gauge. The most popular thickness’ are 35 and 55 gauge for polyethylene and 30 gauge and 55 gauge for polypropylene. Polyethylene has been around longer than polypropylene and comes in a wide variety of stock colors and natural (milky clear). Polypropylene is sometimes preferred by customers seeking clear boxes because it can be made crystal clear. Polypropylene tends to be more expensive than polyethylene and has a greater tendency to show scratches and marks with use. For this reason, polypropylene is made on one or both sides with a matte finish or lines to hide the scratches. Clear polypropylene can also come with color tints.

As boxes made of plastic begin as flat sheets they are relatively easy to decorate.

Decoration of plastic

Silk screening is the most popular technique used on polyethylene and polypropylene. Both these materials have very flat, non porous surfaces, ideal for silk screening. With modern screening methods, a wide variety of half tones, graduated screens and process printing can be accomplished at a reasonable price. Small to moderate quantities of product with complex printing, lend itself to silk screening. See details of silk screening above.

Litho (offset) printing can be accomplished on lighter gauges of material in larger quantities. In this case you would ideally begin with a white substrate. Quality can be as good as on coated paper stock.

Hot Stamp: This is the transfer of a color (usually metallic silver or gold) mounted to a roll of plastic on to the poly by use of a heated metallic die. The metal die is made from your artwork and is mounted to a stamping press. The colored foil on the roll is transferred to the material in the shape of your art on the die. For pricing advise the number of square inches of leaf to be used. Multiply width by height of the imprint area for the square inches of leaf. Frequently you may wish to combine several methods of decoration, such as silk screening and stamping.

Aluminum boxes: A relatively new option are boxes made out of Aluminum or a combination of Aluminum and Acrylic panels. Boxes can be constructed in tote box style, two piece set up box style or as CD/DVD boxes. Many customers opt for silk screen decoration on their boxes but more exciting options such as laser etching, anodizing and powder coating are also available.

SBS or paper boxes:

Paper boxes options could fill a manual by themselves. Sales Packaging has produced many options for customers. Most frequently, we take 20 to 24 point SBS (single bleached sulfite) white board, litho print and film lam before die cutting into a variety of products. Popular items are VHS sleeves and boxes, totes, product sample boxes, CD and marketing mailers to name a few options.

Wood boxes: When a certain elegance is required, wood boxes fit the bill. From highly lacquered cigar type boxes to natural finished wood boxes.

Hopefully this has shed a little light on custom boxes for promotional marketing. It can be a fairly complex process but don’t feel overwhelmed, there are organizations to help you through.

Paul Fleming represents Sales Packaging who have been supplying custom boxes and other promotional marketing materials since 1988. Don’t hesitate to contact us (1-800.654.6660) if you need further clarification or customization or visit www.salespack.com.

Health Food Scams

June 24, 2010 Posted by admin

Recent infomercials for various health food and supplement “miracles in a bottle” brings to mind the old fable of King Jack, the ruler of Anesthesia:

Content with the state of affairs throughout Anesthesia, but sensing the need to be more in touch with his constituents, King Jack appointed members of his staff to seek out the knowledge from the greatest minds in the kingdom. Upon their return they presented the king with several volumes worth of information. Delighted with the response, yet perplexed with the amount of data collected, King Jack responded with a request to condense the information into a single volume.
After an initial assessment of the condensed version, the king then petitioned to have the information expressed in a single phrase consisting of five words or less. The advisors to the king deliberated for several days and returned with their consensus on the single phrase which best represented the wisdom of the intellects throughout Anesthesia; “THERE AIN’T NO FREE LUNCH.”

It is a “free lunch mentality”, as proclaimed through various marketing channels, that offers physical and mental nirvana through indulgence in commercially available brews, nutriceuticals and medicinal concoctions without legitamite regard for the fundamental principle of pharmocology. Surely if these products have any viable active ingredients, there are certain to be potential complications associated with intoxication or contraindications. Intuitively, a red flag should go up in our heads every time we are confronted with a product that will most certainly have some known and unknown physiological effects. That which is construed as truly pure, or natural is certainly the antithesis of the movement that advocates the mass consumption of food extracts or concentrates held together with binders, suspended in questionable diluents, or encased in synthetically derived gel caps.

Public scepticism over contemporary therapeutic medicine has been a contributing factor to the evolution of a billion dollar health quakery industry. Proponents of the health food culture support what they refer to as a “natural” approach to health and vitality through the use various pills, powders, and potions. Among these products are everything from megadoses of vitamins and minerals to nostrums such as bee pollen, ginseng root, dired algae, and a range of homeopathic products.

These medicinal potions are promoted as having generalized curative or restorative powers for everything from the common cold, chronic fatigue, and sexual disfunction to cancer, heart disease, diabetes, and other assorted chronic diseases. Beyond the question of efficacy, the consumption of such products may indeed preclude the use of scientifically substantiated medical protocol. Promoted with the cooperation of newspapers, magazines, book publishers, multilevel marketing schemes and franchised retail outlets, these concoctions are unregulated and readily dispensed without provisions for gender, individual physiology, or guidance concerning contraindications or toxicity.

Product promotions are based on a distorted logic that attempts to extrapolate a correlation between an outside piece of scientific data, and a health food product. Independent third party testing of some supplements suggest an absence of a viable quality control program as witnessed through product inconsistencies, impurities, degradation, and bacterial contamination.

The Health Food Industry Free Ride

The Dietary Supplement Health and Education Act (DSHEA) of 1994 classifies herbs – and concentrates, extracts, and constituents of herbs – as “dietary supplements” and shelters such products from drug and food-additive regulations. The act transferred the burden of proof of safety from supplement manufacturers to the FDA. This act provides the loophole by which the marketers of dietary supplements can make exaggerated health claims for everything from Bermuda grass clippings to mountain lion urine, and it would be up to the FDA to prove the product unsafe.

Natural Food Better than Processed Food?

The term ‘natural’ has become a catch-word for numerous consumable products ranging from beer to cough remedies.

If you check the tobacco isle in your local grocery store, you will notice some brands of cigars and cigarettes labeled as using “All Natural Tobacco.” In general, a “natural” product is promoted as having an inherent goodness beyond that of its processed counterpart. Theoretically, food that incurs alteration as part of an established food processing protocol is diminished of its vital factors.

The proposition that natural foods are superior to their processed foods is short sighted and void of scientific objectivity. If we define “natural” as that produced solely by nature, not altered, treated, or disguised, then we must renounce years scientific developments in food processing technology that have provided an abundant and wholesome food supply.

* Microbiology as a science, has advanced the technology for the understanding of food-borne bacteria. Microbacterial diseases in unprocessed liquid food products such as milk and fruit juices, have been dramatically reduced, and in some cases eliminated through pasteurization. Due to numerous disease outbreaks, attributable to the consumption of unpasteurized fruit juices, the Food and Drug Administration has mandated the presence of the following warning statement for unpasteurized products:

WARNING: This product has not been pasteurized and, therefore, may contain harmful bacteria that can cause serious illness in children, the elderly, and persons with weakened immune systems.
Food allergy is a serious condition where the body’s immune system reacts to a certain component, usually a protein. The reactions can range from a mild discomfort to a more serious and life-threatening reaction known as anaphylaxis. The process of food oil refining removes the protein which would trigger such reaction, thereby eliminating the inherent dangers of touted natural or cold pressed oils.

Patulin is a toxic and potentially carcinogenic (cancer causing agent) mycotoxin found in apples at varying levels of concentration. In a study designed to compare organic and conventional apple juice, samples of each were purchased and analyzed to determine the concentrations of patulin. The conventional apple juice had patulin ranging from 250 micrograms per liter up to 4,000 micrograms per liter. The organic apple juice had patulin at rates up to 45,000 micrograms per liter. This study suggests that apple processing and concentration of patulin are inversely correlated.

In the final analysis, the accepted definition of what constitutes a natural food may lie somewhere between two opposing extremes of the conservative “mulch munching” devotee foraging for wild edibles, and the more liberal “ballpark frank, junk food junky.”

Toxic By Nature

The natural foods industry has grown largely because of the erroneous notion that naturally occurring substances makes them safer as drugs or medicines than their processed counterparts. A quantitative analytical scrutiny of that which nature has provided reveals the presence of numerous natural toxins:

Ricin, an extremely toxic lectin found in legumes and fatal to humans, was used as an insecticide at one time. Fortunately, heat destroys the toxicity of lectins.
Chick peas and vetch contain lathyrogens which can potentially cause a crippling paralysis of the lower limbs and may result in death.
Protease inhibitors are widely distributed throughout the plant kingdom, particularly in the Leguminosae and, to a lesser extent, in cereal grains and tubers.
Potatoes contain numerous natural poisons, including solanine, a narcotic-like substance. Solanine is known to cause neurologic and/or gastrointestinal problems. Solanine can build up to toxic levels when potatoes are exposed to sunlight during storage.
Cassava, lima beans, and the seeds of some fruits–apricots and peaches for example, are members of a group called cyanogens, precursors to the deadly poison cyanide. As a point of interest, laetrile is a cyanogen that was mistakenly represented as a cancer cure. While laetrile was effective in killing the cancer cells, it did so only at a concentration lethal to patient.
Broccoli, brussel sprouts, cabbage, cauliflower, mustard greens, radishes, and turnips all contain small amounts of goitrogens (glucosinolates), that can enlarge the thryroid gland and aggravate thyroid problems. Goitrogens are estimated to contribute approximately 4% to the worldwide incidence of goiters in humans.
The most potent natural toxins responsible for human health risks are the mycotoxins. These are toxic metabolites produced by fungi infesting foodstuffs, especially cereals and nuts. Mycotoxins are known to have caused ergotism “St. Anthony’s Fire,”
To avoid poisoning, eat all foods in moderation, choose a variety of foods, and avoid fad diets that advocate single food consumption concept.

Toxicity Through Concentration

Any substance in food may have a degree of toxicity whether naturally occurring or deliberately added. The problem with eating a food concentrate is that it maximizes the amount of a particular hazardous substance. Once again we are faced with the “more is better” mentality. Can an extract from food be more healthful than the food itself? Let us consider fruit juice. A glass of orange juice contains about one tenth as much fiber as an orange and twice the calories. The effects of the juice on the human body are as straight forward as physiology 101.

Fruit juices drive blood sugar levels too high. The rise in sugar calls out extra insulin, which in turns stimulates the appetite. This mechanism is especially bad news for diabetics and for people trying to lose weight. Juice is good food, but it isn’t medicine, and certainly is not better than the whole fruit. Ounce for ounce, orange juice has about as much vitamin C as an orange. The fruit itself contains more of some nutrients, and especially more fiber and photochemical.

The Omega-3 Craze

Derived from eating fish, omega-3s may reduce blood clotting, reduce triglycerides, and make the heart less susceptible rhythm abnormalities. In addition, research has demonstrated that fish oil may help relieve inflammatory symptoms of auto-immune diseases such as rheumatoid arthritis or psoriasis.

Fish oil capsules however, come with potential adverse effects, including an excessive reduction in the ability of blood to clot, increasing the risk of hemorrhagic stroke. The capsule form may also raise cholesterol levels in some individuals. Further more, as pesticide resides concentrate in animal’s fat, fish oil capsules serve as a potential source of concentrated pesticides.

Vitamin Toxicity

Vitamins are categorized as fat-soluble and water soluble. The fat soluble vitamins—A, D, E, and K—generally occur together in the fats and oils of foods. These vitamins are stored in the liver and fatty tissues until the body needs them. It is the capacity to be stored that allows for a potential toxic buildup of fat-soluble vitamins. 25,000 IU daily of vitamin A may cause liver damage or lead to anemia and gout – a form arthritis. The best way to ensure a safe vitamin A intake is to steer clear of supplements and instead to eat foods to obtain it.
Vitamin D is the most potentially toxic of all vitamins. People who take supplements containing vitamin D may easily overdose, not aware that their tissues are building up stockpiles of the vitamin. Overdose of D leads t loss of appetite, nausea, vomiting, diarrhea and serious disorders involving the calcium content of the blood and the distribution of the calcium ion throughout the body.

Cases of vitamin E toxicity are rare, and high doses taken over a short period seem to have no adverse effects. People that take anticoagulant medication risk uncontrollable bleeding when they take large doses of vitamin E.

Vitamin K toxicity can result when supplements of a synthetic version of vitamin K are given, especially to infants or pregnant women. Toxicity induces breakage of the red blood cells and release of their pigment which colors the skin yellow. Vitamin K toxicity also causes brain damage. Because the vitamin K contained in supplements can easily reach toxic levels, it is available as a single vitamin only by prescription.

The water-soluble vitamins–B vitamins and vitamin C– are easily absorbed by the body and just as easily excreted in the urine. Foods never deliver toxic doses of the water-soluble vitamins, but the large doses concentrated in some vitamin supplements can reach toxic levels. Women who exceeded 2 grams of vitamin B6 daily (a touted cure for the symptoms of PMS), were reported to have experienced numb feet, accompanied by lost sensation in their hands, and an inability to work.

Since the first report of vitamin B6 toxicity, researchers have seen toxicity symptoms in more than 100 women who took vitamin B6 for more than five years. The potential toxicity of vitamin B6 is yet another reason why people should not self diagnose and self-prescribe vitamins for their own illnesses.

Among his contributions to science, Linus Pauling, is credited for research on the beneficial effects of vitamin C. Since Dr. Pauling first published his book claiming that large doses of vitamin C will prevent or cure colds, many studies have been conducted that have refuted this claim. Currently there is no objective scientific study that supports the notion that a cold can be prevented or cured by taking this vitamin. Large doses taken during a cold however may ease some of the symptoms because vitamin C serves as a mild antihistamine.

Toxic levels of vitamin C can produce diarrhea, cause nutritional imbalances, deprive tissues of oxygen, interfere with the action of vitamin E, and may produce kidney stones. Vitamin C supplementation at any dosage is dangerous for people with an overload of iron in the blood. Vitamin C increases iron absorption from the intestine and releases iron from storage.

Medicinal Herbs

At least 25% of the medicines prescribed by physicians in this country today are based on active ingredients in plants. It is the recognition of the life giving properties of botanicals that has had such a strong influence on the environmental initiative for rain forest preservation. To reiterate an earlier statement, a herbal or botanical product that contains useful constituents is likely to have some harmful ones as well. A few of the more noteworthy for their toxicity are as follows:

Belladonna
Any part of the deadly nightshade plant; a fatal poison.
Chaparral
This herbal product is made from ground leaves of the creosol bush. It has been found to cause acute toxic hepatitis.

Comfrey
Contains cancer-causing chemicals

Echinacea
Has not been proven effective in preventing disease and is not recommended for long-term use, since the practice may actually depress the immune system.

Ginkgo biloba
An extract of a tree of the same name, claimed to enhance mental alertness, but not proved to be effective or safe.

Ginseng
A plant containing chemicals that have stimulant drug effects. Ginseng abuse syndrome is a group of symptoms associated with the overuse of ginseng, including high blood pressure, insomnia, nervousness, confusion, and depression.

Hemlock
Any part of the hemlock plant, which causes severe pain, convulsions, and death within 15 minutes.

Horse chestnut leaf
Has been associated once with hepatitis.

Kombucha
Proclaimed as a treatment for everything from AIDS to cancer but lacking scientific evidence and FDA approval. Also known as Manchurian tea, mushroom tea, or Kargasok tea.

Sassafras
Root bark from the sassafras tree, once used in beverages but now banned as an ingredient in foods or beverages because it contains cancer-causing chemicals.

Sweet clover
Source of coumarin.

Blue-Green Algae
Spirulina, a blue-green algae is said to be a rich source of protein and vitamins, effective at treating such conditions as obesity, alcoholism, herpes, diabetes, arthritis and cancer. While the plant does contain 65 to 70% protein, white fish is a less expensive alternative at 97% protein. Chicken and beef come in at 75 to 80% protein.

Numerous investigations into the nutrient value of spirulina show that the high vitamin B12 content is attributed to contamination with insect or animal fecal matter. These results are not unexpected as spirulina is extracted from open lakes and ponds with little washing prior to being dried. In addition, some strains of spirulina have toxins that can cause nausea, diarrhea and throat infections.

Cancer Fraud

Unsound products for prevention and cure of cancer comprise a large segment of today’s medical fraud. When people hear of exciting research reports that hint at cancer prevention, they want to apply the findings right away. One very popular supplement marketing ploy involves the claim that the medical establishment has suppressed information on their particular medicinal concoction. The strong desire for control over cancer makes consumers vulnerable to those who would victimize them for profit. Just a few of the more blatantly fraudulently promoted products include beta-carotene, phytochemcials, kombucha, laetrile and vitamin megadose.

* Beta-carotene. While research has established a correlation between between diets rich in beta-carotene and a reduced cancer risk, an exact mechanism by which beta-carotene might prevent cancer has not been established. Though there is no conclusive evidence that beta-carotene has any effect on cancer, the supplements are still being sold as anticancer agents.

* Phytochemicals. As a relatively new isolate, phytochemical interactions with body systems are not fully understood. Some appear to act as weak carcinogens. Others mimic steroid hormones.

* Kombucha. Promoted as a cancer preventer, arthritis reliever, and baldness cure, this tea is derived from yeast and bacteria. A report in a recent medical journal told of two women who drank an extra strong brew and had to be rushed to the emergency room with a life threatening acid condition of the blood. One woman died, the other woman was resuscitated following cardiac arrest. The Center for Disease Control has asked physicians to be on the lookout for serious side effects in their patients who make and drink kombucha.

* Laetile. Laetrile is registered with the U.S. Patent Office for the treatment of “disorders of intestinal fermentation.” This compound is chemically related to amygdalin, a substance found naturally in the pits of apricots and various other fruits. Since fruit seeds are natural sources of cyanogens, good number of patients treated with laetrile developed signs of cyanide toxicity. The Laetrile following started with a pharmacist-physician who developed one concoction after another for the treatment of serious diseases, especially cancer. It continued with his son, a self-imagined scientist, who spent many years in college but failed to earn any graduate degree. A man who earned his fortune from gun-running and a catholic newspaper columnist promoted it as a persecuted drug that cured cancer. After it was dubbed “vitamin B-17,” an army of health food devotees promoted Laetril, along with vitamins and diet, as nature’s answer to cancer.

* Vitamins. There is not a single responsible study demonstrating that large doses of any vitamin or mineral have ever prevented cancer in a human. The American Cancer Society recommends that the diet include in its variety some foods rich in Vitamins A and C, but it specifically does not advocate supplements, let alone megadoses.

As long as there remain crippling and fatal diseases, there will undoubtedly be individuals eager to offer “alternatives” to scientific treatment and large numbers of desperate individuals willing to purchase them.

How To Tell The Facts From The Myths

You know your being scammed when you see…

1) Anecdotes and testimonials to support claims. Assuming the testimonial has any authenticity, how can anyone tell if a cure or remission is specifically due to cause and effect, or if it is due the placebo effect, coincidence, or spontaneous improvement.

2) Illegitimate credentials and degrees, or credentials outside their professed area of expertise. The late Carlton Fredericsk had a Ph.D. and was referred to as Dr. Fredericks in his radio nutrition shows. His Ph.D. however was not in a health science but in the field of radio communications.

3) Natural vitamins are preferable to synthetic ones. The human body does not distinguish between the so-called natural vitamins and the their synthetic counterpart. In either case the chemical composition is the same. To reiterate an opening statement, and without going into laborious data, the synthetic vitamin is more likely to be manufactured under stricter quality control, and hence offers a more consistent product.

4)The persecution complex. A great many supplement and/or methodology promotion will incorporate a statement about a greedy, closed medical establishment that shuns his or her products from fear of competition.

5) The false contention that most diseases and symptoms are due to a faulty diet and can be treated with proper nutrition. No amount of any kind of nutritional supplementation can change a genetic predisposition to develop disease. No amount of supplementation can reverse the role of excessive intense, intermittent sun exposure resulting in melanoma. Aside from deficiency diseases such as ricketts, beri beri, or scurvy, there is little legitimate evidence that most diseases and symptoms have any significant relation to diet.

6) Food processing or storage is claimed to destroy foods’ nutritional quality. It is erroneous to make such an all encompassing statement concerning processed foods. Milk is processed to the extent that it is pasteurized. Foods processed with vitamins C and E preserve food quality by preventing oxidation.

7) Fructose is preferable to other forms of sugar. The delusion that fructose is an acceptable form of sugar is quite prevalent in many nutritional circles. Nearly all simple sugars are metabolized quickly and disrupt insulin levels which contributes to most chronic illness. Do not be mislead. Avoid fructose just like you would table sugar as they both cause similar problems. Do not be fooled by products that claim to contain “all natural” sweeteners. Added ingredients like brown sugar, raw sugar, fruit sugar, honey or maple syrup are treated no differently from table sugar once they enter the bloodstream.

8) Practitioners who use computerized questionnaires to diagnose nutritional deficiencies. Nutritional deficiencies are diagnosed by appropriate medical tests and examination, not by computers. Any computer used for this purpose is likely to be programmed to recommend supplements for virtually everyone.

9) Outrageous claims are couched in pseuscientific terms or jargon. Some examples from actual magazine ads:

- Subjects who used _________experienced an extraordinary 3860% greater total fat loss than subject who used a placebo.

- ______ is better than any ephedrine based fat burner with its precise combination of pharmaceutical pure 1R,2S Norephedrine HCI, Yohimbine HCI, and Caffeine. The incredibly potent 1F, 2S Norephedrine HCI has been shown in vertebrate studies to be the most thermogenic ephedrine type alkaloid. In one study, only amphetamine itself was more potent!

- A new breakthrough scientific discovery has uncovered the unique substrate activity that controls the key “genetic-marker” shown to regulate muscle growth and fat loss. Now think of the possibilities in new muscle growth. Imagine being able to supply your body with the very substrates that trigger muscle growth, fat loss, and even immune system enhancement. Pseudoscience provides easy answers, dodges skeptical scrutiny making us victims of credulity. Practitioners of pseudoscience purport to use scientific methodology, while in fact they are faithless to its nature.

Tze Khit is one of the directors and also a personal trainer from Personal Trainers Singapore (http://www.pt.com.sg), the LARGEST & most POPULAR personal training company in Singapore.

Buying a Marble Cigar Ashtray

June 6, 2010 Posted by admin

If you’re looking for an astray online you should have no problem finding the right ashtray for you in a very short period of time. I needed a new cigar ashtray not long ago for my home office. I wanted something that had an expensive look and feel to it, but I didn’t want it to actually be expensive. Anyhow, I thought a nice marble cigar ashtray would be a nice addition to my home office. Especially if I could find this marble cigar ashtray in a dark color, preferably black. I thought I would check online first to see what kind of prices I could expect to pay for a nice marble cigar ash tray.

I jumped on my favorite search engine, Yahoo.com, and typed in my search term “black marble cigar ashtray” and waited for the results. I received over 300,000 results for the keyword phrase black marble cigar ashtray. Needless to say it took some digging to find exactly what I wanted, but when I saw it I knew instantly that this was the right cigar ashtray for my home office.

I landed on the website ashtraysearch.com and started browsing their cigar ashtrays when I found this amazing black marble square ashtray that almost jumped off the page at me. Made of solid black marble, this cigar ashtray is an impressive 1¼ thick. At the current time the marble cigar ashtray is going for $39.99 so it seemed like a really good deal. I jumped on it and ordered one for the office off the ashtraysearch.com website which sells Amazon.com products. Actually, I ordered two of them since my brothers birthday is right around the corner and he also smokes cigars. For less than a hundred bucks I had two brand new black marble square ashtrays including the shipping costs!

A few days later I received a package in the mail from Amazon.com. I knew exactly what it was as I hadn’t ordered anything online other than the ashtrays lately. I promptly ripped the box open to check out my new cigar ashtrays. I then took the marble ashtrays out of the box to inspect for any damages as sometimes packages do get damaged in transit. Luckily both of my marble cigar ashtrays were in perfect condition with no problems. I immediately took the ashtray to its final resting place on the corner of my desk.

In the end, finding a marble cigar ashtray for my office was a snap. The world wide web really makes life easy for us lazy people that like to shop online. Thanks to ashtraysearch.com I was easily able to find an ashtray that fit my needs and budget.

Larry Haywood operates ashtraysearch.com which is dedicated to being the webs premier ashtray portal. Browse all types of ashtrays or read our ashtray reviews.

A Cigar Humidor -every Aficionado Needs One

June 6, 2010 Posted by admin

Owning a humidor is a true sign of a cigar aficionado. There is a common misconception that humidors are large and often expensive. Yes, you can buy large, even walk-in humidors that will cost you a year’s salary, but that it unnecessary unless you have enough cigars to fill a humidor that large!

The fact is that if you enjoy a cigar every now and then or even several times a day, you may want to consider purchasing a humidor. These handy containers keep every cigar at just the right temperature and humidity. This ensures that your entire stock stays fresh so that you can enjoy them when you are ready.

When you decide that you are ready to purchase your own humidor, you need to consider a few things. How many cigars would you ideally like to store? How many cigars do you think you will actually have on hand at any given time? The reason that this is important is because there should not be too much dead space in your humidor. This can throw off the humidity and temperature level.

Those walk-in humidors are most often seen in a cigar store or specialty bar, although some more wealthy people may have one as a status symbol. The majority of enthusiasts will choose to purchase a tabletop humidor. These generally hold up to three hundred cigars. In addition, you can purchase a travel humidor if you want to bring some with you.

As a cigar enthusiast, you want to get the best possible flavor every time you smoke. It is believed that aging in a humidor for up to ten years will heighten the flavor continually. While you may balk at the idea of waiting ten years to smoke a cigar, remember that it is entirely up to you whether you even choose to explore the aging process. Not everyone with a humidor chooses to age their cigars significantly, but the purpose of a humidor is to keep your stock as flavorful as possible.

If you do decide to endeavor into the aging process, then you should be aware of a few things. Not all are going to taste better with age. This is a personal preference and is not easily figured out without some experimentation. Cheaper cigars may not need to be aged at all, while some will greatly benefit from aging. Again, this is trial and error. A harshly flavored cigar will likely mellow in flavor the longer it is aged. If you don’t like the taste of a cigar, then aging it will not have any effect on your preference. As long as you understand that a humidor is not going to magically transform your cigars in a few simple months or years, you should be pleasantly surprised at your own findings.

A true cigar enthusiast will choose a humidor that meets his or her specific needs.

Otto Van Deven has been smoking cigars every since he raided his Grandfather’s humidor and snuck behind the barn at 16. Quite a few decades later he still thinks that was a great decision, although his grandfather disagreed, until Otto replaced his glass cigar jar with a fine humidor. You can get your own humidor at the Humidor Store, and see what Otto has to say at Humidor Ferret.

Why Purchase a Dual Flame Lighter?

June 3, 2010 Posted by admin

In your quest for the perfect smoke, you’ve likely encountered the problem posed by many cigar lighters. Standard lighters, with just a traditional flame, might not offer enough coverage to ensure your cigar is fully lit. As you know, it is imperative that your cigar be fully lit (and lit in the correct manner), in order to avoid partial burns, runs, uneven burns and other problems. Therefore, you should understand the benefits offered by dual flame lighters.

What are these types of lighter? Dual flame models offer dual flame ports, but they come in more than one configuration. Of course, not every configuration is right for every smoker. It will take a bit of understanding to find the right option for your needs. What choices do you have on the market? Here’s a rundown on what is offered by the two types of dual flame lighter.

The most common type of dual flame lighter has two jet ports at the top of the lighter. These are ideal solutions for cigar smokers, as dual ports help to ensure that you enjoy an even light every time. No matter how large those stogies might be, dual jet ports can help provide a clean light, and help you avoid problems like uneven burns or runs caused by other types of lighters or improper lighting procedures.

However, those who do not prefer cigars will find that this type of dual flame lighter is not the right choice for them. Instead, you will find dual flame lighters that incorporate a single jet port with a traditional flame, as well. The traditional flame might be set on top of the lighter, but is often located on the side, at a 90-degree angle. The jet port is located on top of the lighter.

The type of dual flame lighter that is best for your needs will be determined by your preferred smoke. For instance, if you enjoy cigars, you will opt for a jet lighter, while pipe lovers and those who smoke a mix of tobacco products will find value with a dual flame lighter that features a traditional flame and a jet port. However, it is essential that you find a lighter that works with your needs. Taking your time and researching the various styles available will help ensure that you make the best possible purchase decision and will also help ensure that you can smoke when and where you want.

Dave Sabot is the owner of specialty butane lighters store. With expert knowledge of cigar accessories, including windproof lighters, Dave also authors a highly rated blog featuring lighter reviews.

You Will Find The Finest Cigars Here!

May 31, 2010 Posted by admin

There is no better way to end a day then going to your humidor, perusing your fine selection of cigars and selecting the cigar that fits your mood best. You sit back and start relaxing in your comfort chair; you clip the tip, set flame to it and start your evening of calm and relaxation. To you, a good cigar is better than a fine wine.

Whether you are new to the world of cigars or you are a true cigar aficionado; Famous-smoke.com has everything you need to compliment your cigar experience. If a you like to try something new each and every time, our huge selection of cigar brands, flavors, sizes, colors, and even countries of origin will keep you busy experimenting for years to come. You can start out with sampler packs that allow you to try multiple varieties of cigars without a huge investment. You can even build your own samplers, so you try the cigars you want.

Once you discover the delights of smoking cigars you will undoubtedly want to make sure you take the utmost care of your cigars. Famous-smoke.com has humidors, cases, tubes, and much more for you to keep your cigars stored safe and kept the way you like them. We offer unheard of discounts on our incredible selection! Famous Smoke Shop has 70 years of experience, so you know that you are getting the finest quality cigars each and every time you order from Famous-smoke.com! Not to mention that we can accommodate most shipping requirements.

Our website is a wealth of information, however, if you have any questions you can always call and talk to one of our award winning customer service representatives, Monday thru Saturday that can answer any questions you may have. We know that sitting at a computer enjoying a cigar is not something you would normally do, so why not scan through our 64 page full color catalog instead.

You can always feel comfortable ordering your cigars from us. Our cigars are stored in a our state of the art humidity and temperature controlled warehouse to ensure that our freshness can compared to. We also take extra care in packaging and shipping your orders so you get what you expect!

A business owner myself, I understand the importance of excellent service and quality product. Knowing that word of mouth can make or break a business, I am honored to pass on the name Famous Smoke Shop for quality cigars and exceptional service. All of my cigar needs are met at Famous-smoke.com.

Humidors For Sale: But What To Consider

May 19, 2010 Posted by admin

At the mention of humidors, people usually believe of a crate where they hold cigars. But the phrase humidors actually refer to any cell or container that is kept at continuous humidity or temperature where cigars, cigarettes, and tobacco are kept safe. These crates are often made out of different types of wood to attain the ideal humidity and temperature.

There are abundant types of humidors that can be found, Room Humidors, Cabinet Humidors, Table Humidors, Personal Humidors, and Travel Humidors. The nature would be the figure of cigars it can store at any given time.

Humidors are not just bought for their storage capacity for cigars, but they are also appreciated for their arrangements that will definitely add to the aesthetic distinctive of any room. If you’re looking to find a humidor for your personal use, there are a lot of fabricators who offer humidors for sale.

When thinking of looking through humidors for sale, one should keep in mind the attributes that will make a good humidor. First off, it should abide up to its use of keeping cigars safe, with its ability to keep constant humidity that should always be below 75%. Why is humidity or constant temperature of 20oC important in keeping cigars safe? This would be due to the tobacco beetles that like to infest and lay their eggs in cigars or tobacco if humidity is not kept at a constant. Secondly, design should be considered depending on your personal preference, there are humidors that are designed to hold enough cigars for personal use and this would be more practical rather than getting the bigger humidors designed to hold hundreds of cigar, unless of course if you’re into selling or collecting more than a desktop humidor could hold.

For prices of humidors for sale, it would greatly vary depending on the arrangement that you will choose and the size of the humidor. Personal or desktop humidors can be found priced at less than $20, and some can also run up to $100, also depending on the number of cigars it can hold.

One really good type of humidor is the one made out of Spanish-cedar wood, apart from keeping temperatures at a changeless, it can also contribute its aroma to cigars kept in it over a period of time, and this type of wood actually repels tobacco beetles, an assured plus in a humidor.

Getting a humidor is a certain plus to the cigar encounter, and getting the right one that fits your needs and personal appetite will additionally enhance this.

Vincent owns a network of stores. The inspiration for this article came from a store branch called Humidors for Sale.