Multi Business

You will find all forms and shapes of fashion blogs as the internet is full of them. It can talk about the advantage of wearing skinny jeans over boyfriend jeans or how pink takes the place of black plus all the extras. As you go online, you will get your fill of the latest in fashion trends via fashion blogs.

Fashion As Part of Our Lives

There are people who say that they can live without fashion and this is not at all important to them. Giving it some thought, you don’t really have a choice because fashion has been a part of our being, ever since you can remember, influencing culture and society since it is brought about by factors surrounding us like the environment, weather and most of all, a person’s beliefs, values and experiences.

What Influences Fashion?

Certain periods in history that fashion has defined, involved discrimination among classes. This distinguished the royalty from non-royalty and restrictions on social dressing. During earlier times in Western Europe, the bourgeoisie were prevented by government regulations from wearing fine clothes, so as not to be identified as royalty. Since the dragon was an emperor’s symbol in China, non-royals were prohibited from wearing this. In World War II, American women’s skirts had restricted lengths because of a ration on fabrics. This just shows that fashion has a significant influence in people’s lives. It has been part of us, though we are not aware of it.

Knowing the Latest Trends Via Fashion Blogs

Present-day fashion-conscious individuals called fashionistas, have various ways of living with fashion. They check out the new trends via fashion blogs, not to be tagged as “in” or “cool” but to find out what people are wearing, nowadays. Fashion bloggers are updated, with regards to the latest trends and avoid those who go for super expensive items, suggesting chic but cheap fashion.

Popularity of Fashion Bloggers

Fashion bloggers are well-known since they used to be fashion outsiders but because of determination to gain an edge over what you may call the “snobs” of the fashion world, they have turned into admired insiders. They turn fashion world inside out with their straightforward opinions on the season’s collections, giving their honest views of the latest trends and ways on how these can be carried off by regular folks.

What Influences Fashion Blogging?

Also, they are blessed with innumerable talents, which influence their blogs. Some host fashion events while others design the displays of the world’s renowned fashion storefronts. Others shoot for fashion books while some model the ramp. Fashion blogging’s success makes advertising, among other major industries; want a share of the action. Since fashion bloggers have loyal women followers all over, they have turned into strong personalities, and every word they speak is taken seriously, just like that from the Bible. Retailers and advertisers are hopeful that their products will make it big.

Business finance training refers to programs that teach individuals how to handle various financial duties. Finance training is similar to finance tips in that both help business owners make better monetary decisions, but training programs offer a more detailed explanation of finance strategies. Training programs vary in price and can be used by the owners and employees of a business.

The most basic business finance training provide information on budgeting, preparing financial statements, managing cash flow, strategizing, forecasting, improving performance, and applying basic procedures and concepts to more effectively manage a business. These programs are recommended for new business owners to help them understand standard business practices. Once these basic methods are mastered, more specific financial training may be looked into.

Advanced business finance training delves more deeply into a certain financial procedure or concept, usually at a higher cost than basic programs. Advanced programs may teach business owners how to set up effective business models, make decisions based on quantitative analysis, manage and control accounts, practice due diligence, measure productivity, and strategize concerning mergers and acquisitions.

Taking part in any kind of business finance training gives a business owner the resources to make more intelligent business decisions that result in increased productivity and profits. Many different types of courses are available either online or at a specified location. Some programs may even offer the option to train at the business. Taking into consideration the needs and abilities of a business is the key to finding the best business finance training.

A business finance solution generally refers to methods of funding and maintaining the finances of a business. Most solutions involve ways of obtaining working capital, but others also offer ways of protecting and increasing that capital.

To obtain working capital, business owners look to finance solutions that offer funding by several different means. The most common means are loans and financing. Asset-based loans use a business’s assets, such as inventory and equipment, as collateral. A business may also opt for a property loan in order to acquire commercial space. Invoice financing, such as factoring, involves liquidating or selling a business’s accounts receivables in exchange for quick funding. Some businesses look to trade financing to supply their inventory. The business will tell its financer the amount and cost of goods needed, and the financer will pay for the goods. The business then repays the amount financed over a specified period of time.

Most companies that provide business finance solutions also offer ways to protect and increase a business’s capital. Credit protection safeguards a business from daily risks, such as customers not paying on time, so that the business does not suffer incredible losses. This makes it much easier for the business to borrow money in the future, and it protects the balance sheet. A finance solution may also offer business insurance plans that increase the stability of a business. The most common types of business insurance are employee and public liability, car, property, and health insurance. These business finance solutions are designed to protect businesses against potential losses.

Destination weddings have become incredibly popular over the years, and for many newly engaged couples, the interest in getting married in the Caribbean is increasing every day!

After talking with many of my clients that have visited our travel agency to inquire about a destination wedding, they seemed to all agree that getting married on a Caribbean Island or even on a Caribbean Cruise is something they have always desired. The exotic locale, convenience, value, and stress free environment it fashioned were some of the many reasons couples find this option very appealing.

Before I talk more on the Caribbean, allow me to first talk a little bit about who I am, and the reason why I view the Caribbean as a popular wedding destination choice.

Back in July of 2000 I attended Travel College, and this is where I met this beautiful Italian girl in my class named Maria. It was clear that the both of us were on the same path of becoming professionals in the travel industry, and at the time we never knew what we were about to experience. Once we graduated, Maria and I were immediately employed by different travel agencies that soon opened up a world of opportunities for us, one being the awareness of how popular destination weddings were actually becoming at the time.

Now at this point you may be asking yourself; “What does this all have to do with having a Caribbean Wedding?” The answer will be clear once I explain!

You see Maria and I since we graduated College stayed in touch, and soon we fell in love! In March of 2004 we decided to get married, and being that we both were working in travel, and the fact that we were sending many of our clients to all these spectacular destinations for their weddings, plus getting all this positive feedback on how memorable their weddings were, it was a clear cut decision for the both of us on what we wanted to do next.

Taking the non-traditional route like many of our clients, we both agreed on having our ceremony somewhere outside our country, and our first choice was, of course, the Caribbean! Why not, with all the great experiences we have established for our clients, this was a destination we both dreamed of going. We looked at getting married in Jamaica, but after a long discussion, we eventually chose the exotic location of Varadero, Cuba, and it had a lot to do with the both of us visiting Cuba several times before! Cuba had everything we needed, and was the most affordable for the many guests that joined us.

Hands-On Destination Wedding Experience Helps When You’re Looking To Plan A Wedding At Destination!

You see, not only helping arrange destination weddings for our clients, but also having the opportunity to experience our very own, our hands-on experiences are what truly allows us to help our clients visualize what they should expect and experience.

Let’s Go Back And Talk About Why Destination Weddings Are So Appealing!

There’s no question that experiencing a ceremony on an exotic island destination is truly unique from the traditional wedding ceremonies, and if you’re planning to get married during the winter months where it may be much colder, having the opportunity to exchange vows in a warm sunset on a powdery soft white sandy beach with the angelic sounds of the crystal clear Caribbean waters echoing in the background is an experience that will create special memories for a lifetime!

However, it’s so much more than that! Destination weddings also offer convenience and true value, and most of all destination weddings provide a completely stress free experience. I have to admit our decision to have a wedding on a Caribbean island had a lot to do with us attending several family and friends’ weddings over the years. One consistent issue that would come up was that with all the guests that were invited, a good number of them really didn’t want to be attending that wedding. Unfortunately when you have approximately 300 plus people at your wedding, it’s impossible to spend quality time with all the guests, especially the ones that are very close to you.

Not having the opportunity to have more quality time with family and friends is a very important feature for many engaged couples that have decided to now have a destination ceremony! Many of our clients quickly realized the true luxury of spending quality time with the ones that were closest to them, and a destination wedding easily provided them that unique opportunity.

If a dream destination wedding, renewal of your vows or a special honeymoon is something you have been considering, don’t hesitate to reach us to explain more about the benefits of a destination wedding, and what is required if you happen to decide to get married in the Caribbean.

When you start up or re-brand a pet or animal related business one of your first requirements will be getting a great logo design in order to create a brand that you can build upon and develop.

Many new businesses are springing up today that are related to pets and animals. It is no longer just your traditional veterinary clinics and pet stores but a whole host of other service businesses relating to pet care, grooming and other niche areas like pet photography and pet boutiques and pet retreats.

The pet industry can be divided into two area really. Firstly you have pet stores and vets who target the general population and secondly you have luxury pet supplies, gourmet pet food and services that only the upper middle class and the wealthy can afford.

Some people treat their pets like members of the family and want only the highest standards for them in terms of the products that they buy and the services that they require. So the message that you want to convey in your logo is that your company values animals and is basically in the business of pampering them, giving them the best of care and the products that they need to be happy and healthy. If you cater to the upper end of the market you want your logo to hint at the elite services that you offer and create a brand ‘club’ that wealthy pet owners want to be a part of.

Popular images that are used in animal and pet care logos include pets themselves, sometimes in cartoon form and sometimes in other graphic forms and animal paw prints. Animals are cute, eye catching and very brandable and a business in this industry would be crazy to not feature an image of a pet into the logo somehow. Paws alone can work and others have gotten away with simple animal related items such as a dog kennel or a lead but images of pets themselves are almost essential in logos in this niche.

Designers will usually go with pet related color tones such as white, browns, tan and black. Bright colors are often used in some of the more ‘light hearted’ business models while veterinary services and animal hospitals are often more inclined to go for more dull colors for a more serious look.

It is important that you brief your designer well before they commence your project and brief them on all aspects of your business. Let them know who your target market is so that they can understand what will appeal to your clients.

Once you become established with your branding on signage and stationary it can be a real hassle to change. You will also lose some of the brand value and customer recognition that you have built up if you decide that a change is necessary. For these reasons it is important to make sure that you start your pet or animal related business off right with a great logo design.

There is a simple but undeniable truth in the financial consulting and wealth planning industry that Wall Street has kept as a “dirty little secret” for years. That dirty little, and nearly always overlooked secret is THE WAY YOUR FINANCIAL ADVISOR IS PAID DIRECTLY AFFECTS THEIR FINANCIAL ADVICE TO YOU!

You want, and deserve (and consequently SHOULD EXPECT) unbiased financial advice in your best interests. But the fact is 99% of the general investing public has no idea how their financial advisor is compensated for the advice they provide. This is a tragic oversight, yet an all too common one. There are three basic compensation models for financial advisors – commissions based, fee-based, and fee-only.

Commission Based Financial Advisor – These advisors sell “loaded” or commission paying products like insurance, annuities, and loaded mutual funds. The commission your financial advisor is earning on your transaction may or may not be disclosed to you. I say “transaction” because that’s what commission based financial advisors do – they facilitate TRANSACTIONS. Once the transaction is over, you may be lucky to hear from them again because they’ve already earned the bulk of whatever commission they were going to earn.

Since these advisors are paid commissions which may or may not be disclosed, and the amounts may vary based on the insurance and investment products they sell, there is an inherent conflict of interest in the financial advice given to you and the commission these financial advisors earn. If their income is dependent on transactions and selling insurance and investment products, THEY HAVE A FINANCIAL INCENTIVE TO SELL YOU WHATEVER PAYS THEM THE HIGHEST COMMISSION! That’s not to say there aren’t some honest and ethical commission based advisors, but clearly this identifies a conflict of interest.

Fee Based Financial Advisor – Here’s the real “dirty little secret” Wall Street doesn’t want you to know about. Wall Street (meaning the firms and organizations involved in buying, selling, or managing assets, insurance and investments) has sufficiently blurred the lines between the three ways your financial advisor may be compensated that 99% of the investing public believes that hiring a Fee-Based Financial Advisor is directly correlated with “honest, ethical and unbiased” financial advice.

The truth is FEE-BASED MEANS NOTHING! Think about it (you’ll understand more when you learn the third type of compensation), all fee-BASED means is that your financial advisor can take fees AND commissions from selling insurance and investment products! So a “base” of their compensation may be tied to a percentage of the assets they manage on your behalf, then the “icing on the cake” is the commission income they can potentially earn by selling you commission driven investment and insurance products.

Neat little marketing trick right? Lead off with the word “Fee” so the general public thinks the compensation model is akin to the likes of attorney’s or accountants, then add the word “based” after it to cover their tails when these advisors sell you products for commissions!

FEE ONLY Financial Advisor – By far, the most appropriate and unbiased way to get financial advice is through a FEE-ONLY financial advisor. I stress the word “ONLY”, because a truly fee ONLY financial advisor CAN NOT, and WILL NOT accept commissions in any form. A Fee-ONLY financial advisor earns FEES in the form of hourly compensation, project financial planning, or a percentage of assets managed on your behalf.

All fees are in black and white, there are no hidden forms of compensation! Fee-Only financial advisors believe in FULL DISCLOSURE of any potential conflicts of interest in their compensation and the financial advice and guidance provided to you.

Understanding the conflict of interest in the financial advice given by commission based brokers enables you to clearly identify the conflict of interest for fee-based financial advisors also – they earn fees AND commissions! Hence – FEE-BASED MEANS NOTHING! There is only one true way to get the most unbiased, honest and ethical advice possible and that is through a financial advisor who believes in, and practices, full disclosure.

Commission and Fee-Based financial advisors typically don’t believe in or practice full-disclosure, because the sheer magnitude of the the fees the average investor/consumer pays would surely make them think twice.

Consider for a moment you need to buy a truck specifically for towing and hauling heavy loads. You go to the local Ford dealership and talk to a salesperson – that salesperson asks what type of vehicle you’re interested in and shows you their line of trucks. Of course, to that salesperson who earns a commission when you buy a truck – ONLY FORD has the right truck for you. It’s the best, it’s the only way to go, and if you don’t buy that truck from that salesperson you’re crazy!

The fact is Toyota makes great trucks, GM makes great trucks, Dodge makes great trucks. The Ford may or may not be the best truck for your needs, but the salesperson ONLY shows you the Ford, because that’s ALL the salesperson can sell you and make a commission from.

This is similar to a commission based financial advisor. If they sell annuities, they’ll show you annuities. If they sell mutual funds, all they’ll show you is commission paying mutual funds. If they sell life insurance, they’ll tell you life insurance is the solution to all of your financial problems. The fact is, when all you have is a hammer… everything looks like a nail!

Now consider for a moment you hired a car buying advisor and paid them a flat fee. That advisor is an expert and stays current on all of the new vehicles. That advisor’s only incentive is to find you the most appropriate truck for you, the one that hauls the most, tows the best, and is clearly the best option available. They earn a fee for their service, so they want you to be happy and refer your friends and family to them. They even have special arrangements worked out with all of the local car dealerships to get you the best price on the truck that’s right for you because they want to add value to your relationship with them.

The analogy of a “car buying advisor” is similar to a Fee-Only financial planner. Fee-Only financial advisor’s use the best available investments with the lowest possible cost. A Fee-Only financial advisor’s only incentive is to keep you happy, to earn your trust, to provide the best possible financial advice and guidance using the most appropriate investment tools and planning practices.

So on one hand you have a car salesperson who’s going to earn a commission (coincidentally the more you pay for the truck the more they earn!) to sell you one of the trucks off their lot. On the other hand, you have a trusted car buying advisor who shops all of the vehicles to find the most appropriate one for your specific needs, and then because of his relationships with all of the car dealers can also get you the best possible price on that vehicle. Which would you prefer?

Truly unbiased financial advice and guidance comes in the form of Fee-Only financial planning. You know exactly what you’re paying and what you’re getting in return for the compensation your Fee-Only financial advisor earns. Everything is in black and white, and there are no hidden agenda’s or conflicts of interest in the advice given to you by a true Fee-Only financial advisor!

The fact is unfortunately less than 1% of all financial advisor professionals are truly FEE-ONLY. The reason for this? There’s a clear and substantial disparity in a financial advisor’s income generated through commissions (or commissions and fees), and the income a financial advisor earns through the Fee-Only model:

Example #1 – You just changed employment and you’re rolling over a $250,000 401k into an IRA. The commission based advisor may sell you a variable annuity in your IRA (which is a very poor planning tactic in most cases and for many reasons) and earn a 5% (or many times more) commission ($12,500) and get an ongoing, or “trailer” commission of 1% (plus or minus) equal to $2,500 per year. The Fee-Only financial advisor may charge you a fee for retirement plan, an hourly fee, or a percentage of your portfolio to manage it. Let’s say in this case you pay a $500 retirement plan fee and 1.25% of assets managed (very common for a Fee-Only financial advisor in this situation). That advisor earns $500 plus $3,125 ($250,000 * 1.25%) or TOTAL COMPENSATION of $3,625 – FAR LESS THAN THE $15,000 THE COMMISSION (or Fee-Based) financial advisor earned! In fact it takes the Fee-Only financial advisor over four years to earn what the commission (or fee-based) advisor earned in one year!

Example #2 – You’re retired and managing a $750,000 nest egg which needs to provide you income for the rest of your life. A fee-based financial advisor may recommend putting $400,000 into an single premium immediate annuity to get you income and the other $350,000 into a fee-based managed mutual fund platform. The annuity may pay a commission of 4% or $16,000 and the fee-based managed mutual fund portfolio may cost 1.25% for total compensation of $20,375 first year (not including the “trailer” commissions). The Fee-Only advisor would possibly shop low load annuities for you, possibly put the entire portfolio into a managed account, possibly look at municipal bonds, or any other variety of options available. It’s hard to say how much the Fee-Only advisor would earn as their largest incentive is to keep you the client happy, and provide the best planning advice and guidance possible for your situation. BUT, in this case let’s just assume that a managed mutual fund portfolio was implemented with an averaged cost of 1% (very common for that level of assets), so the Fee-Only financial advisor earns roughly $7,500 per year and it takes that financial advisor THREE YEARS to earn what the fee-based financial advisor earned in ONE YEAR!

The prior examples are very common in today’s financial advisory industry. It’s unfortunate that such a disparity in income exists between the compensation models, or there would likely be many more truly independent and unbiased Fee-Only financial advisors today!

Now consider for a moment which financial advisor will work harder for you AFTER the initial consultations an planning? Which financial advisor must consistently earn your trust and add value to your financial and investment planning? It’s obvious the financial advisor with the most to lose is the Fee-Only advisor. A Fee-Only financial advisor has a direct loss of income on a regular basis from losing a client.

The commission or fee-based financial advisor however has little to lose. You can fire them after they’ve put you in their high commission products, and as you can see from the examples they’ve already made the majority of the commissions they’re going to make on you as a client. They have little to gain by continuing to add value to your financial and investment planning, and little to lose by losing you as a client.

Wouldn’t you prefer a financial advisory model where your financial advisor must continually earn your trust and add consistent value to your planning?

It’s clearly more difficult to earn a living and run a profitable financial advisory firm through the Fee-Only financial planning and guidance model. For this reason, most financial advisors take the easy way and sell products for commissions and charge fees on assets managed – that way they can make a nice living on your investment portfolio and still have an ongoing stream of revenue every year. For this reason also, less than 1% of financial advisors are truly Fee-Only, yet it’s that 1% that is truly objective and unbiased, and that 1% whose only incentive is to manage your financial plan, investments, and overall wealth to accomplish the goals you wish to achieve!

The real “dirty little secret” Wall St. has is the undeniable truth that the commission and fee-based financial advisory model has inherent conflicts of interest, and your advisor may be “selling you investment products” rather than “solving your financial problems”!

Why is having health or medical insurance so important? There is certainly a misconception that medical insurance is only for the elderly and older folks. Many young adults and even some middle aged adults have this misconception that since they are still healthy and without any illness, they do not need this security blanket that a health insurance policy provides. Their argument is that the premiums are high and that they are not getting anything in return if they do not make use of the policy.

Perhaps, these people are ignorant or have not heard or read of young and healthy people who without any warning, suffer a health attack or succumb to cancer. This is not surprising considering the hectic lifestyle and the regular intake of unhealthy food in this fast moving world that we live in. In addition, unforeseen accidents, minor or major can happen anytime. Breaking an arm or a leg can happen anytime while playing basketball or football. In the tropics, many people young and old falls victims to dengue due to mosquito bites. Considering the rising cost of medical care, hospitalization, surgery and medicines, a visit to the hospitals for treatment can indeed set back your hard earned savings if you are not covered under a health insurance plan.

A well meaning financial planner will advise that a financial plan which would include managing your investment risks will not be complete without a comprehensive health and medical insurance policy with critical illness coverage and hospitalization and surgical (H&S) coverage. Indeed, a financial investment plan can be derail if one should suffer the tragedy of succumbing to any life threatening illness such as cancer, diabetes, etc causing the person to lose his job and income before the financial goal of his investment plan materialize. The cost of treatment which may be exorbitant from the hospital expenses and surgery needed would cause you to use up the emergency funds and in the worst scenario may require you to withdraw from investment program before it mature if a medical policy was not purchased earlier. One should realize that hospital treatment cost these days include not only surgery and medication but often diagnostic tests involving sophisticated equipments, physiotherapy, etc. hence, the rising exorbitant cost of medical treatment.

One reason why many people do not purchase a health and medical insurance is due to the opinion that their employers have already provided the medical coverage. They may not be aware that once they leave their company, the coverage will cease. Hence, they may be caught in a bind if they are terminated during an economic downturn. Premiums for this kind of policy are lower if you purchase coverage at a younger age and when you are still medically fit. Those who insure themselves when they are older and not medically fit may have to pay higher premiums or are subjected to certain exclusions. Older folks and those who have some form of illness will therefore find themselves in a very precarious position if they are terminated from their job and are without medical insurance.

In summary, having a health and medical insurance is important as a security blanket that you need to buy but hope never to have to use. A health plan will give you the necessary assurance that you have the finances when the need arises.

If you have just bought a car then you should know that getting an auto car insurance has been made mandatory by law. Without this you won’t be able to drive on the roads and you will be collecting a lot of driving tickets. Getting auto car insurance is not that difficult; all you need to do is choose the right agency. This is not a daunting task if you are a wise buyer. There are so many insurance agencies to choose form, so finding the right one can be a bit tedious. It is vital that you choose the right agency if you want to save your hard earned money. Making a wrong decision will just make your money go out the window. Not everyone is a perfect driver so there is a possibility of you meeting with an accident. Paying for the repairs can be a bit expensive and at such times having auto car insurance in hand is beneficial. This will help you save your finances.

You really need to shop around to find the right agency and the easiest way to do is online. On the internet you will be able to find an agency nearest to you. You need to make sure that you browse through different websites before you actually settle on one. It can be a bit time consuming, but rushing into this will only make you suffer. So to avoid this you need to take your time and not hasten with this process. Browsing through an entire website will only take a few minutes, but by doing this you will get to know the policies of different companies. You can just choose a company randomly. You should choose the right one and make sure that they have all the services that you are looking for.

On the internet you will be able to compare auto car insurance rates to figure out which one is the most affordable. You should choose an agency that charges an affordable amount and it should also give you full coverage. Before you sign the fine print make sure that you read all the terms and conditions. If you find an agency that provides the required services and coverage then you should certainly take advantage of this. There will be many agencies that will lure you will attractive offers but you should take your time and choose the right one.

Every woman starts to become interested in skincare as she ages and sees those fine lines forming around her eyes and mouth. Those wrinkles and sagging skin that just doesn’t glow like it used to. And many women start to realise that natural skincare products are by far the best skincare products. But how do you find the best natural skincare products?

However the first question to ask is why would you want to use natural skincare products? What does “natural” mean and what is the difference between “natural” skincare products and other skincare products?

There is no formal definition of “natural” when it comes to skincare and anti aging products. However to me “natural” means “safe” skincare products.

Safe? Aren’t all skincare products safe? Why would they be unsafe?

Sadly the answer is that not all skincare products and anti aging products (or cosmetics or beauty products for that matter) are safe. It is gradually becoming known that many skincare and anti aging products and cosmetics, perfumes, body care and beauty products contain ingredients that may in fact be damaging to your skin or even your health. I first became aware of this when my young daughter had a terrible skin reaction to her first use of cosmetics when she had her first ballet concert, and have been interested in this ever since.

Many ingredients that go into our skincare products and cosmetics in the US are banned in other countries, like European countries. But here it’s perfectly legal to use suspect ingredients in our skincare and anti aging products and the FDA doesn’t regulate against this. The problem is so bad that there are whole organizations set up to try and foster the manufacture of safe skincare products and cosmetics.

I’ll give you an example. A recent study found lead in over 50% of big brand lipsticks tested. Scary isn’t it?

So many people are turning to natural skincare products and cosmetics to find safe products. And of course they want to find the best natural skincare products because the companies that make skincare products from all natural, and safe, ingredients, aren’t the big brand name companies.

Most companies that make natural skincare products have signed the “Compact for Safe Cosmetics” to evidence their commitment to producing safe products. And these natural skincare products are usually much more effective than their less safe but more well known cousins which you see advertised on TV and on the shelves of the stores.

That’s because the companies that make the best natural skincare products are small niche companies. They can’t compete on marketing budget, so they compete on product quality. To survive they need to produce top shelf products so that customers come back over and over again. So they don’t need to spend up big on TV advertising.

There are excellent natural skincare products made up into a complete scientific skincare system that are available to buy and are safe to use, and extremely effective. They aren’t made by the big name skincare companies or cosmetics companies, but if you manage to find them they are cost comparable or even cheaper than the big brands, and safe to use.

Organic foods are pure and natural foods. These are prepared by natural means and no harmful chemicals are used in their farming or agricultural process. Most of these organic foods are good for health as they are rich in vitamins and minerals. The best thing about organic foods is that no fertilizers, medicines or chemicals are used in their production and thus they are free from any harmful products.

Organic foods are not just good for health but they are also good for nature. It is often seen that in the agricultural process of most of the foods and vegetables, we use fertilizers so as to get better results. These chemicals and fertilizers used today are harming the soil and nature. Organic foods are just perfect for nature and human health. In the production of these foods, there is no harm to the soil, water or farms.

Production of organic foods is much easier and affordable. They require less energy and also the consumption of fuel is much low as compared to the production of other foods and vegetables. Today you get to see more and more industrialization of organic products. This is so because they are getting more popular these days. People working in this field are looking forward for new methods and technologies that should be used so as to get better results. They want that there should be more researches done. More methods should be found so as make these healthy organic foods popular among people.

Although, these foods are good for health as well as nature, you will be surprised to know that they only fulfill 1 to 2% of our food requirements. It is so because they are not yet popular among common man. A research in the recent past had made it clear that organic foods can take the place of other foods and fulfill the food requirements of a common man. Not only this, there is no need of any extra agricultural land or resources.

There are many of the ideal methods that can help you in getting ideal physique and to get size zero figures like a celebrity. You should try out these methods that can really help you in getting best celebrity smile which you always dreams of.

Prav is an article writer, marketer, freelancer and full time blogger who write for various niches. Please review his site and get in touch with him if you are interested in getting the article marketing services and article writing services at affordable prices.

Any business (and affiliates and marketers) that engages in interstate commerce will be subject to federal laws. Interstate marketing and advertising practices are regulated by the Federal Trade Commission (“FTC”) under the FTC Act. Services and goods offered through the Internet are considered to be a “use in commerce” since the services are available to a national or global audience. The FTC regulates Internet advertising, marketing activities and sales to consumers as the watchdog agency. The same consumer protection laws that apply to commercial activities in other media apply to the Internet. Under Section 5 of the FTC Act, illegal advertising practices are categorized as either an unfair method of competition or an unfair or deceptive act or practice.

Any activity that is likely to cause consumer confusion as to source, sponsorship or affiliation of any good or service is essentially an “unfair” act or practice under the FTC Act. However, the real culprit for interstate businesses, affiliates and other Internet marketers is avoiding advertising claims which are unfair or deceptive. There is no hard definition of what practices are considered “unfair” or “deceptive,” under the FTC Act.

But, in the simplest terms, all advertisements:

must be truthful and not misleading;
must have evidence to back up any claims made in the ad; and
cannot be unfair.

Complying with FTC laws really boils down to a single standard that your advertisements or marketing practices will be judged under. This “standard” is known as ‘materially misleading.’ This is basically the crux of website advertising law and the standard by which all Internet claims and representations are measured to determine whether they are deceptive. Either an ad or claim is materially misleading, or it isn’t deceptive. This standard is defined by a series of guidelines, rules and policy statements published by the FTC. The FTC rules and guidelines illustrate what the FTC believes is illegal under the technical language of the FTC Act.

The principle guidelines on advertising are contained in the FTC’s Policy Statement on Deception. Under the FTC’s Statement, an advertisement or marketing practice is deceptive if there is a representation, omission of information or some other practice that is likely to mislead a reasonable consumer and which is likely to influence or otherwise “affect the consumer’s conduct or decision with regard to a product or service,” to that customer’s detriment.

In terms of Internet advertising, an unfair or deceptive act or trade practice is usually made by publishing a false advertisement. The Act specifically states that using a false advertisement in commerce is unlawful and doing so is also categorized as an unfair or deceptive act or practices. The term false advertisement means an advertisement, other than labeling, which is misleading in a material respect. As you can imagine, flat out lies about your products or services, or those that you promote or endorse, are going to be misleading and illegal. Simply stated, you cannot make any false claims. However, a claim can be misleading in many other ways and this is where most Internet businesses land into trouble.

If you don’t understand the nature of what is considered materially misleading, you could very easily violate FTC laws. You MUST understand all the ways a claim may mislead a consumer and you MUST know what is considered a claim or representation in the first place. This is really the key to understanding FTC laws. For instance, a claim can be literally true, but if it is only true in limited circumstances, or if it is subject to more than one interpretation, one of which is not true, or misleading in its overall effect, it is deceptive. I am going to take you through each element of an advertisement from the FTC’s point of view so you can master this understanding. Again, either you can pay an attorney to look at your specific ads, throw them up blind, or take the time to learn the fundamentals yourself.

A. Overall Context Matters

A claim can be suggested by the overall context of an advertisement. This means a representation or claim can be made or suggested by any “statement, word, design, device, sound, or any combination thereof”. In other words, the FTC won’t just look at the words of an advertisement by itself to determine if it is misleading. Other than the words of the ad, the name of the product, the nature of the product, any visual or audio depictions or symbolism can all provide the context to establish a claim. Even the website name or metatags can provide the context for a claim. The overall experience conveyed by viewing the ad in relation to the rest of the website sets the context for a particular claim.

The U.S. District Court, Third Circuit stated the FTC standard regarding context of an ad clearly. “The tendency of the advertising to deceive must be judged by viewing it as a whole, without emphasizing isolated words or phrases apart from their context.” Beneficial Corp. v. FTC (1976). Using illustrative pictures on your website to demonstrate the effectiveness or results of a product is a common example. Without stating some direct, express claim in words, these pictures would be just as effective in suggesting some claim to your visitors.

EXAMPLE: You operate a website called homesavers.com which offers loan modification and “foreclosure rescue” services. The title of your webpage is labeled as “save home” and your home page contains a picture of a “happy and relieved” couple sitting at a kitchen table looking at their laptop which shows homesavers.com on the screen. The website advertisements include a heading titled “Begin the process of saving your home now” and other claims of “if you act now, we can save your home.” Without any qualifying disclosures, the overall context of the website may imply that consumers can expect to save their homes by using homesavers.com.

B. Express and Implied Claims

If an ad makes either express or implied claims that are likely to be misleading without certain qualifying information, this information must be disclosed. You must determine which claims might need qualification and what information should be provided in a disclosure. The important thing to understand is the fact you can make an implied claim through your advertisement and that you cannot suggest any claim which you are not permitted to make expressly by law. An express claim is an obvious one. For example “This product will stop bullets from penetrating your body in an advertisement for a bullet proof vest. Similarly, the claim “removes every type of stain from your carpet” is an express claim that the advertised product will remove all stains from your carpet.

An implied claim is one made indirectly or by inference and causes the most problems for Internet advertisers.

EXAMPLE: In an ad about the innovative bullet proof vest, it claims the vest is “used by law enforcement officers and professional body guards.” Since the ad claims law officers and security professionals use the vest, it implies they use it to stop bullets. It may also imply reliability to the average consumer.

EXAMPLE: “2 out of 3 mechanics prefer mighty wrench to any other wrench on the market! Besides having to substantiate that 2 out of 3 mechanics prefer mighty wrench, this claim implies that the tool is adept at working on cars. This is an implied claim even though the ad does not expressly state that “mighty wrench” is suitable for cars.

EXAMPLE: In an advertisement for sprinting shoes, your website claims “Joe Sprinter wore these shoes during his Olympic 100 meter Gold medal run.” This implies that the shoes are made for, even particularly well-suited for, sprinting and running fast. This ad implies a particular quality about the shoe.

EXAMPLE: Your website sells household carpet cleaning products. You use an ad promoting your “wonder-clean” carpet cleaner, stating that it “removes the toughest household stains.” Directly below the ad, there are a series of illustrations depicting a dog standing on a carpet next to an obvious wet spot on the carpet and the product then being applied by a woman. Then, that same woman is depicted with a smile on her face and the wet spot has disappeared. The ad suggests that it removes dog stains from your carpet (maybe even common pet stains in general).

EXAMPLE: An ad claiming “experts agree our product beats our competitors hands down” probably implies that there is actual proof that most if not all experts have made such a proclamation.

C. Leaving Out Important Information

A claim can be misleading if relevant and material information is left out. An advertisement cannot leave out facts which are material in light of any claims made or material in light of how the customer will use the product under the conditions stated in the advertisement (or under ordinary conditions). If a claim is only true in limited circumstances or a benefit only applies sometimes, this must be disclosed.

EXAMPLE: In ad for revolutionary new speakers your sell from your discount stereo web store, your website boasts that the speakers “can achieve a 98% efficiency rating.” But, this rating cannot be done with every type of stereo receiver. In fact, a few different models of speakers can achieve the same rating, but only if they are used in conjunction with certain receivers. These are considered “high-end” receivers and are not common. Since the stereo receiver required is uncommon, this should be disclosed.

D. Material Claims

In order for a claim to be materially misleading, the claim or any information left out must be important or significant to the consumer’s choice to purchase the product or service. If the average consumer would not find the claim to have any significant influence on his or her decision to purchase, the claim is not material. The FTC has stated that examples of material claims include representations about health or safety, a product’s performance, features, price, effectiveness or other central characteristics. But, these are not the only types of claims which are material. Information is also likely to be material if it concerns durability, performance, warranties or quality. Information pertaining to a finding by another agency regarding the product may also be material.

The FTC presumes that express claims are material. As the Supreme Court stated recently, “in the absence of factors that would distort the decision to advertise, we may assume that the willingness of a business to promote its products reflects a belief that consumers are interested in the advertising.” Where the seller knew, or should have known, that an ordinary consumer would need any omitted information to evaluate the product or service, or that the claim was false, materiality will be presumed because the advertiser intended the information or omission to have an effect. Similarly, when evidence exists that a seller intended to make an implied claim, the FTC will infer the claim is material. The FTC might also look at other evidence that the claim or omission is likely to be considered important by consumers, such as testimony or customer surveys.

If a claim is material, it also means that injury is likely to exist because of the representation, omission, or practice. Injury to consumers can take many forms according to the FTC and it exists if consumers would have chosen differently but for the deception. If different choices are likely, the claim is material, and injury is likely as well. The statement on deception states that injury and materiality are different names for the same concept.

E. Substantiating Your Claims

Advertisers must have sufficient evidence to support any claims made, or the claims are deceptive. In order to avoid deception, you must have a “reasonable basis” for any factual or objective claims you make in any advertisement. (FTC vs. Pfizer, Inc. (1972)). This is also referred to as the doctrine of “substantiation.” This reasonable basis must be based on objective, credible and reliable evidence. You can use surveys, statistical evidence (studies) and expert opinions to substantiate any claim you make and otherwise prove a claim is true.

If the advertising claim suggests a level of support, it is obvious that the advertiser must have evidence of that support. For example, if a marketer claims that “three out of four customers prefer our brand”, then the marketer must have reliable survey evidence backing this statement up. If an advertiser claims “clinical studies show,” the FTC requires that clinical studies must show what you claim.Where a claim is not specific, the FTC will look at a number of factors in reviewing substantiating evidence to determine whether there is a reasonable basis for the claim including: 1) The type of claim; 2) The product involved; 3) The consequences of a false claim and the benefits of a truthful claim; 4) The cost of developing substantiation and 5) The level of substantiation experts would believe is reasonable.

EXAMPLE: A website that sells energy drinks and related energy products makes clams that its products give its customers energy lasting “all day” or “gets you through your work day.” Those claims need to be true and need to be backed up by an actual clinical study showing that the drink or other products boost energy levels for the duration specified.

The FTC will look at a number of factors to help determine the appropriate amount and type of substantiation necessary, including:

The Type of Product. Health and safety claims are subject to the most scrutiny by the FTC as they pose the most risks to consumers. Also, alcohol and tobacco are particularly put under the microscope along with dietary and herbal supplements, weight loss products and nutrient claims since these are related to health. These types of claims require competent, credible and reliable scientific evidence. I discuss scientific evidence in much more detail under the discussion of substantiating health claims.

The Type of Claim. Technical claims and claims that consumers would have trouble or cannot possibly evaluate themselves are subject to much more scrutiny. For instance, “reduces your energy costs by 30%” “kills germs on contact” or “environment friendly” are claims consumers cannot easily substantiate on their own. As a matter of policy, when consumers can easily evaluate the product or service this has historically attracted less FTC attention than those claims that consumers would have difficulty evaluating directly, such as “e-cigarettes contain none of the harmful ingredients of tobacco cigarettes.” Also, if a product is inexpensive and it is frequently purchased, the FTC will examine the practice closely before issuing a complaint based on deception. According to the FTC’s view, there is little incentive for sellers to misrepresent in these circumstances since they normally would seek to encourage repeat purchases.

General Results Claims

Stating that your products will deliver certain results may also be misleading. You must be able to substantiate any results you claim. If you make any specific claims of product results, you must also disclose that the product will not deliver the same results to everyone and may not even be effective for some purchasers, unless this is absolutely the case. Of course, if you can substantiate that the product would achieve the results claimed in each circumstance of use for all purchasers, you don’t have to worry.

For instance, a website that instructs businesses on how to establish and build a good business credit rating and makes the following claims on its website: “Instantly obtain multiple credit lines” and “establish a top credit rating fast.” How about a website offering SEO services that claims “our customers usually see double the traffic within 2 months.” These are results based claims. If the average client is not likely to achieve these results, you should disclose these facts. Otherwise, these ads may be misleading and thus deceptive.

If your business is offering a new product, then you can’t make a general results claim if no data on the results exists. As burdensome has this seems, the FTC’s comments on the matter of substantiating claims are pretty clear. I get a ton of questions on this issue. Section 5 of the FTC Act requires advertisers to have substantiation for the messages that consumers reasonably take from their ads, which means they must first know what messages consumers take away from those ads.

F. Reasonable Consumer Standard

The FTC will always evaluate any advertisement from the point of view of the “reasonable consumer.” This basically means looking at how the average reasonable person would interpret or respond to any claims or representations you make. Your business will not be liable for every interpretation or response by a consumer. This is actually a fairly well-stated principle in the context of advertising. Advertisers are not liable for every possible misrepresentation, no matter how outlandish. Misconceptions occurring among the foolish or feeble-minded are not reasonable.

The FTC provides the example that all “Danish pastry” is made in Denmark. The fact that some unreasonable individuals may believe that all Danish pastry is actually made in Denmark is not reasonable and does not cause liability to the advertiser. A claim is not deceptive only because it will be unreasonably misunderstood by an insignificant and unrepresentative segment of people.

When representations or sales practices are targeted to a specific audience, the FTC will look at how a reasonable member of that specific group would interpret the claim. For instance, terminally ill consumers might be particularly susceptible to exaggerated cure claims, children would likely believe claims adults would not, claims toward the elderly may be viewed by differently than the general public, etc. Similarly, “claims directed to a well-educated group, such as a prescription drug advertisement to doctors, would be judged in light of the knowledge and sophistication of that group”(FTC Policy Statement on Deception).

In addition, part of the reasonable consumer standard means that an ad may be capable of more than one reasonable interpretation by a consumer. So, if your ad conveys more than one meaning, or is interpreted differently and that meaning is misleading, you will be liable. This is true even if the main meaning of the ad is not deceptive. The critical question is determining what overall impression consumers would take away from a given ad when looking at the ad as a whole.

G. Subjective Claims, Opinions & Puffing

The FTC generally will not bring advertising complaints based on subjective claims that consumers can judge for themselves (i.e. claims based on taste, feel, appearance or smell), opinions or obvious exaggeration or puffing. For example, if a seasoning salt boasts on its website that the product is “delicious” or an ad claims a particular candle “smells great” these are general subjective claims regarding the taste and smell of the products. Stating a product has a “handsomely finished exterior” or comes complete with an “attractive carrying case” are examples of subjective opinions. Just because not everyone might find the exterior of the product in question handsome or that the carrying case is attractive does not make the ad deceptive.

Since these types of claims don’t pose risks to health or safety even if they were deceptive, they really are not scrutinized by the FTC anyways.

Similarly, a product endorsement that proclaims the product to be “the best product I ever used” is a subjective opinion. The claim is not a statement of fact or some claim about some result, quality or characteristic of the product. In general, if the claim is a subjective one and does not contain an objective component, it is not unlawful.

In contrast, claiming a product is superior based “on all the latest research and data” is not subjective any longer. It’s misleading if the product really is not superior based on the most recent research and data. Claiming a flashlight “outlasts all other major brands” or “more customers prefer our hand lotion to any other” is an objective claim which must be supported with some credible evidence of what is claimed. Opinions are deceptive only “if they are not honestly held, if they misrepresent the qualifications of the holder or the basis of his opinion or if the recipient reasonably interprets them as implied statements of fact”.

Advertisements involving obvious exaggeration or puffing are not unlawful. These are claims that the reasonable consumer would not believe. For example, claiming a child’s wooden sled that is “handcrafted by Santa’s elves” is obvious exaggeration, or claims that a product is “superior” to all others is a general statement and is puffing. Vague statements such as “the breakthrough the Industry has been waiting for” or “this could be the opportunity of a lifetime” are also examples of puffing and are lawful. These statements are really more in the nature of boasting than making an actual factual claim.

EXAMPLE: American Italian Pasta Co. vs. New World Pasta Co. (2004). The court stated that in order for a claim to be false, it must be “a specific and measureable claim capable of being proved false.” The Court in this example found that American Italian Pasta Co.’s use of the phrase “America’s favorite pasta” was not a statement of fact, but was considered subjective and vague puffing. This case provided a very good definition of what is considered puffing: “puffing is exaggerated statements or boasting upon which no reasonable person would rely or vague and highly subjective claims of product superiority.”