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			<content:encoded><![CDATA[<p>				The goal with social network marketing i ...

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<title>How To Get successful As An Internet Marketer</title>
<link>http://drokznd.info/how-to-get-traffic-as-an-internet-marketer/</link>
<comments>http://drokznd.info/how-to-get-traffic-as-an-internet-marketer/#comments</comments>
<pubDate>Mon, 03 Mar 2025 15:52:14 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[information]]></category>
<category><![CDATA[Internet Marketer]]></category>
<category><![CDATA[money]]></category>
<category><![CDATA[successful]]></category>
<guid isPermaLink="false">http://drokznd.info/?p=86</guid>
<description><![CDATA[Becoming a successful internet market is no joke. To really make more money than the guy that work his heart out from 9am-5pm takes knowing how to do the right thing. Some people say you need to work hard to … <a href="http://drokznd.info/how-to-get-traffic-as-an-internet-marketer/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Becoming a successful internet market is no joke. To really make more money than the guy that work his heart out from 9am-5pm takes knowing how to do the right thing. Some people say you need to work hard to make it in internet marketing. But, I would say that you not only work hard but work smart.
Every info-preneur or internet marketer undoubtedly needs to get traffic to make it in the internet business. The internet business is very competitive and if you do not know how to gain traffic to win the heart of people surfing the net, you may eventually become a failure. I have seen and heard many information marketer with right passion and excitement, become frustrated and fail in this business. You could avoid being frustrated and having the believe that internet marketing does not work or it is a big scam. You only need to become smarter to make 4 or 5 digit cash with an effective traffic strategy.
There are 3 skills that you will need to cultivate if only you want to make big money selling information over the internet.
*Perfect the bait 
*Target the right people 
*Delivering the right solution quickly
When you think of getting or gaining traffic for your internet marketing business, you must keep three things in mind:
1. Who is my target audience
2. What do they want?
3. How can i motivate this target audience to act now?
Let look at these closely;
Who is my target audience:If you want to market products/services or information you must first find a group of people who are hungry for such information. I call this ‘finding hungry fish’. I prefer a school of fish in ‘feeding frenzy’. If you drop your bait, that is traffic into such a school of hungry fish, they will attack your bait. 
The most important part of marketing is not the traffic you could drive to the product. It is targeting your traffic to the right audience.
2. Where do you find your right audience:You have 2 choices;you can either devise traffic from someone else medium or create your own traffic strategy and get your own customers. In other words, you could pay for it as in using pay per click(PPC) or buying classified ads slot/space. But, for starters it could be expensive.
A free and no-cost method of getting traffic is to build a list. You can write a 8-15 pages report or create an e- book and give it out for free in giveaway events or forums sites. People who opt-in for your report, leave their name and email address. With this, they become willing subscribers you manage for your marketing activities.
3. How do I motivate the target audience to buy Now:As a student of marketing, i have discovered some principle that work. There are 6 of them:
a. Consensus:Give people what they want. The ‘hottest’ thing that is in demand by a large number of people. It will induce a potential buyer to say yes easily to your product.
b. Reciprocity:You should give them bonus for buying your products. Give them a free ‘gift’. It creates a subtle obligation to them to buy your product.
c. Scarcity:Attach a time limited and quantity limit to the amount you have to sell. This create urgency in the potential buyers.
d. Authority:Talk like an expert. If you are a newbie, you can have a joint venture with experts. you should note that people like to deal with experts. 
e. Commitment:Whatever you promise you will do, stick to your words. Give yourself to doing what you say.
f. Liking:Make them like you and your products. appeal to their sense of liking to you and your product.
Traffic is the hub of your marketing campaign in internet marketing. Do every thing you can to get traffic. Always remember, without it you are less likely to succeed online. I wish you success and see you at the top.
<div class="mads-block"></div>]]></content:encoded>
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</item>
<item>
<title>A Resource Buying Guide For Internet Marketers</title>
<link>http://drokznd.info/a-resource-buying-guide-for-internet-marketers/</link>
<comments>http://drokznd.info/a-resource-buying-guide-for-internet-marketers/#comments</comments>
<pubDate>Mon, 03 Mar 2025 15:51:36 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[article]]></category>
<category><![CDATA[buying]]></category>
<category><![CDATA[Marketing]]></category>
<category><![CDATA[Tools]]></category>
<guid isPermaLink="false">http://drokznd.info/?p=84</guid>
<description><![CDATA[The “make money online” crowd is probably the most actively targeted niche market on the internet. Which is quite ironic when you think about it; “The hunters become the hunted.” And it’s not surprising we are so serviced with offers continually, … <a href="http://drokznd.info/a-resource-buying-guide-for-internet-marketers/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[The “make money online” crowd is probably the most actively targeted niche market on the internet. Which is quite ironic when you think about it; “The hunters become the hunted.” And it’s not surprising we are so serviced with offers continually, the truth is we are, on the whole, information junkies. We are suckers for a good ebook, report, or video.
The problem is that an over supply of internet marketing tools (even good ones) can leave you feeling overwhelmed, unproductive (too busy reading about internet marketing to actually DO any), and flat broke!
So how do we filter the offers we are bombarded with, so that we invest sanely in our education and resources? Let me offer this simple “buying guide” to help.
When you boil it all down there are basically 4 different kinds of products on the market, and you have to be able to recognize them so you don’t waste your time and money:
1) Basic training guides & tools. Everyone needs some of these, but you don’t need to be buying 10 versions of the exact same information.
2) Advanced techniques. These are the “Shazaam!” products. The ones with truly unique and creative ideas. If I can identify which ones these are, I’ll buy them all day long. If I can get ONE really good, repeatable idea, it is money in the bank. The caveat, though, is you’ve got to actually implement them – otherwise you’re just wasting your money, and spinning your wheels.
3) Tools that make life easier. These are OK if you’ve got disposable money to spend on them, but if you’ve got a limited budget (like most marketers that are still getting going) you’re probably better off spending it where it can be best leveraged for the most effectiveness.
Case in point: At the time that I’m writing this article I’ve been getting emails all week — I’ve had at least 15 just today – promoting a particular hot product. The free teaser report is great — it includes a couple of really exciting ideas (see point 2). However, when I looked at what is actually being offered in the main package – 8 software programs that collate information in various forms from around the internet — they’re all really cool tools, but they are nothing that you can’t already do yourself for free. Cool, but not necessary. Convenient, but not essential.
4) Snake oil. These are the products that are thrown together to make sales to newbies, but they do not work. They are bad advice. You’ll discover that usually the author hasn’t had any success with the method he’s teaching at all, but he can make a few bucks wasting other people’s time with it.
So, when you’re considering buying resources to help you build your online business, read the sales copy discerningly. Honestly evaluate the product and classify it in one of the above 4 categories. Then it’s a simple decision to make the appropriate response:
Category 1: Buy it if you don’t already have a product covering the same topic, or if you are reasonably convinced that your understanding is going to be increased sufficiently to justify the investment.
Category 2: Buy it, and DO something with it! Don’t procrastinate — take action. Winners are taking imperfection actions while others are still formulating their “perfect” plans.
Category 3: Buy it only if you have surplus cash, and don’t mind blowing some on a luxury — because that’s what it is. Ask yourself, “Could I leverage the money I’m about to spend on this to better effect in my business?”
Category 4: Click that little “x” button at the top of the browser window, and be proud of yourself that you’ve developed the wisdom and experience to stop wasting time with that kind of rubbish. If you already bought it before you figured out that its “snake oil”, ask for a refund and chalk it up to experience.
Buying is far more an emotional decision for us than we “savvy entrepreneurs” would care to admit. Anything we can do to take pause and inject some thought into the process will save us time and money. This buying guide offers a place to start.
]]></content:encoded>
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</item>
<item>
<title>Internet Marketing</title>
<link>http://drokznd.info/internet-marketing/</link>
<comments>http://drokznd.info/internet-marketing/#comments</comments>
<pubDate>Mon, 03 Mar 2025 15:51:07 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://drokznd.info/?p=82</guid>
<description><![CDATA[According to a study conducted by Nielsen/NetRatings, a premier service of The Nielsen Company, there are 450 million internet users in 21 countries, and out of them 250 million people can be termed as active users that is these users … <a href="http://drokznd.info/internet-marketing/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[According to a study conducted by Nielsen/NetRatings, a premier service of The Nielsen Company, there are 450 million internet users in 21 countries, and out of them 250 million people can be termed as active users that is these users spend on an average more than 10 hours a month on the internet. The study further reveals that one third of these active users regularly use the internet to make purchases. Thus, for an astute entrepreneur, all these 250 million people are potential customers. Now, the big question is how to convert these prospective customers into permanent customers. The answer is simple ‘internet marketing’.
What is Internet Marketing?
Also referred to as online marketing, is all about using the power of internet for marketing. A component of e-commerce, it amalgamates the technical and creative aspects of the internet, and uses methods as email marketing, viral marketing, display advertising, search-engine marketing, affiliate marketing and interactive advertising to pin down the potential customers.
Business Models
Several business models are associated with internet marketing. However, the two main ones are business-to-consumer (B2C) and business-to-business (B2B). In the former case, the products are sold directly to the end customers, while in the latter case the companies do business with each other. A third lesser-known business model associated with internet marketing is peer-to-peer (P2P). Here the individuals barter commodities between themselves.
Formats
In addition to business models, internet marketing is also related to some formats. For instance, name-your-price, where the customers have the privilege to choose their price range and then buy the items that fall in that range. Another format where it finds its place is online auction. Here the buyers place a bid on the enlisted items. Find-the-best-price is yet another format that can be associated with internet marketing. In this case the buyer can search for the website that sells a particular item at the lowest price.
Advantages
From the perspective of an entrepreneur, marketing on the internet is less expensive as compared to other media like television, radio or print media. Secondly, the entrepreneur can easily expand into the local, national and international market. Furthermore, there is no need to spend valuable resources on the sales force. Lastly, the entrepreneur can easily track his or her success and thereafter modify it according to their needs. In other words, internet marketing inculcates a sense of accountability in the advertiser, which in its turn increases the return on investment.
Now from the customer’s point of view, it provides detailed information about the product. The availability of requisite information making decision-making process a lot easier for the customer.
Disadvantages
On the downside, it is quite intricate for those entrepreneurs who are not well-accustomed with the working of the internet. Here written words are more important than spoken words. The design and content of the website play a massive role. The entrepreneur may lose his customers if the website is not properly designed or if the customer struggles to download the information due to the complexity of the web page. At times, slow internet connections also make entrepreneurs to lose their money. Moreover, inadequate development of electronic payment methods also mars the effectiveness of internet marketing campaigns.
Most customers who avoid buying from the internet do so because firstly they cannot touch, smell or taste the product before buying, and secondly, they face problems while returning the product that they don’t like. These two factors also ruin the impact to a great extent.
Security lapse is another snag associated with internet marketing. Recently, some companies involved in online business have been caught selling customer information. These incidents prompted many customers to stay away from online companies. Customers are still hesitant in spite of assurances and installation of foolproof methods.
Conclusion
Despite the drawbacks, internet marketing is garnering huge profits for several industries particularly banking and music industries. Flea markets have virtually perished. Unique items, which were available only in the flea markets once upon a time, can be found on any online auction sites.
In fact, traditional marketing media as television, newsprint, etc. are also losing money due to the soaring popularity of online marketing. According to a report, in the year 2006, US companies spent $17 billion on online campaigns. If we try to confiscate the drawbacks, internet marketing can prove to be a potent tool to convert prospective customers into permanent customers and to engender endless streams of profit.
]]></content:encoded>
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</item>
<item>
<title>Would A Fast Cash Advance Solve A Long-Term Financial Problem?</title>
<link>http://drokznd.info/would-a-fast-cash-advance-solve-a-long-term-financial-problem/</link>
<comments>http://drokznd.info/would-a-fast-cash-advance-solve-a-long-term-financial-problem/#comments</comments>
<pubDate>Tue, 18 Jul 2023 03:40:08 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Online payday loan]]></category>
<guid isPermaLink="false">http://drokznd.info/?p=77</guid>
<description><![CDATA[Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any … <a href="http://drokznd.info/would-a-fast-cash-advance-solve-a-long-term-financial-problem/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.
]]></content:encoded>
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<item>
<title>Marketing Your E-commerce Business Through Social Media Networks</title>
<link>http://drokznd.info/marketing-your-e-commerce-business-through-social-media-networks/</link>
<comments>http://drokznd.info/marketing-your-e-commerce-business-through-social-media-networks/#comments</comments>
<pubDate>Mon, 10 Jul 2023 00:36:56 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://drokznd.info/?p=75</guid>
<description><![CDATA[The goal with social network marketing is twofold:1. You are trying to enhance your site’s community by establishing outposts on social networking sites so people who share your interests, or are interested in your products and services, find you and … <a href="http://drokznd.info/marketing-your-e-commerce-business-through-social-media-networks/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ The goal with social network marketing is twofold:1. You are trying to enhance your site’s community by establishing outposts on social networking sites so people who share your interests, or are interested in your products and services, find you and your site.2. Getting involved in social networking multiplies the number of places that your site and your products can be found by search engines, which is critically important to the success of your e-commerce business.How To Leverage Social Media Networks To Our Advantage?Simply, we are trying to spread the word about your e-commerce business. You can take your product reviews or blog posts and spread them as far as possible online enlisting the help of these sites. It’s important to make sure the content you’re promoting is interesting and helpful to the audience you’re trying to reach. Remember, people like to do business with their friends if they’ve never met you offline. By being reasonable and participating in social networking, you’ll expand your credibility and potential customer base in many important and helpful ways.It’s also important to recognize that these social media outlets were designed to serve as conversation platforms, and not as overt marketing channels. Sending messages that are overly promotional or commercial is often compared to shouting at a party where everyone else is chatting quietly, and the backlash can overwhelm the benefits of participation. As an ecommerce business owner I recommend taking a couple of weeks to monitor the various sites to get a sense of the patterns and informal rules before posting anything.Which Sites Do You Need To Target?Here’s a brief overview of the important sites you need to target:Digg.com: Digg is a popular social news website in which community members vote articles up and down, with the most popular articles appearing on the front page. Users submit articles on topics including technology, world & business, science, gaming, lifestyle, entertainment, sports and offbeat. Having an article reach the home page can generate a tremendous amount of traffic to your e-commerce venture very quickly, but a Digg link can be helpful even if you don’t make the front page. Your link will be archived and available to search engines, as well as being available to users who search within the Digg archives directly.Twitter.com: Twitter is generating a ton of online buzz, and for good reason. The short messaging service is evolving into a communication and news platform that e-commerce ventures can’t afford to ignore anymore. Twitter allows users to exchange short messages that are limited to 140 characters, which is roughly about 25 words or so. Many sites have found good success posting (“tweeting,” in Twitter lingo) short summaries of new blog posts or product reviews, highlighting interesting articles or trends in their area of expertise, or just reaching out and seeing who might be interested in the same things they are.Twitter’s ‘hashtag’ (#) function, for instance, makes it very easy for users to search on specific events or topics other users have marked with hashtag function. Many attendees at popular conferences, for instance, use hashtag searches to find and meet each other. Check Twitter’s search page (search.twitter.com) to see popular topics generating user interest.Facebook.com: Facebook has long been popular with college-aged students, but since it opened its doors to a general audience, the site has been growing rapidly, with most new users coming from an adult audience that’s over 30. To reach this growing audience, e-commerce venture owners can create positive marketing relationships on Facebook in two ways. The first and most obvious way is to invite customers to “friend” you on the site. You may not want customers to share the same details or photos you’re sharing with friends and family members, but you can create limited profiles that allow people to get a bit of a behind-the-scenes look into your business without revealing too many personal details.In addition, while Facebook is best known for its personal “profiles,” it does let organizations create pages that allow Facebook members to become fans of your e-commerce venture. While they may be more likely to become fans of a football team or a Bollywood star, Facebook fan pages give your venture another opportunity to highlight interesting content related to your business and, almost more importantly, provide search engines with another place to discover content about, and related to, your e-commerce venture and your market niche.If you do not have a personal Facebook account, you can create a specific account for your business. According to Facebook, a business account can add information, photos or videos just as a personal account can, but can’t see information about visitors and can’t explore other areas of Facebook, so this might not be the best option for your e-commerce venture.MySpace.com: Similarly, MySpace is a popular site especially with younger consumers, that’s becoming an important marketing tool for e-commerce businesses (and a critical outlet for bands to reach their audience). As with Facebook, you can reach this growing audience by forming relationships with customers and other people. In addition to setting up a profile, MySpace lets users join and create groups that attract people who share your interests or hobbies. If you’re trying to sell guitar accessories online, joining groups that serve guitar players would give you great insights into their interests and equipment needs, and allows you to share content and create relationships with other members of the guitar-playing community.Does Social Media Networks Really Help?If you want your e-commerce business to stand out amongst the crowd it’s becoming necessary to have these tools on your website. Your business will not survive over the long term if you are not connected with the audiences within these networks. Furthermore you can achieve great success simply by offering something of value and your e-commerce business can go viral very quickly.Take the time to understand how these social media outlets fit into your e-commerce business and over time you will start to see the benefits. <a style="display:none;" target="_blank" href="http://kalipakem.com/">kalipakem.com</a><a style="display:none;" target="_blank" href="http://jackpotslotsweb.info/">jackpotslotsweb.info</a><a style="display:none;" target="_blank" href="http://spinslotwins.info/">spinslotwins.info</a><a style="display:none;" target="_blank" href="http://slotbidwins.info/">slotbidwins.info</a><a style="display:none;" target="_blank" href="http://fantasyslots.info/">fantasyslots.info</a><a style="display:none;" target="_blank" href="http://bestslotmachine.info/">bestslotmachine.info</a><a style="display:none;" target="_blank" href="http://casinoslotonline.info/">casinoslotonline.info</a><a style="display:none;" target="_blank" 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<title>How to Become a Successful Fashion Designer</title>
<link>http://drokznd.info/how-to-become-a-successful-fashion-designer/</link>
<comments>http://drokznd.info/how-to-become-a-successful-fashion-designer/#comments</comments>
<pubDate>Tue, 21 Mar 2023 09:38:18 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://drokznd.info/?p=67</guid>
<description><![CDATA[If you are like me you live and breathe fashion. You are constantly inspired with so many new designs racing through your mind, so many you can’t seem to get them all down quick enough at the pace they arrive. … <a href="http://drokznd.info/how-to-become-a-successful-fashion-designer/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ If you are like me you live and breathe fashion. You are constantly inspired with so many new designs racing through your mind, so many you can’t seem to get them all down quick enough at the pace they arrive. You constantly dream of the day your fashions will be on the fashion runway with the lights beaming brightly overhead, the cameras flashing everywhere and the audience being completely mesmerized by your incredible designs. You can’t stop thinking of the day you will open a magazine or watch the Oscars and see a famous celebrity in one of your breathtaking designs. Your book shelf is stocked with fashion books and magazines, and you absolutely can’t resist visiting textile stores to view all the latest fabrics, decorative beads, rhinestones and trims.It’s this ever present dream of being a successful fashion designer that has you work day and night on your designs in most cases for many years without pay and working a job to pay the pills which is brutal torture, when all you can think about is living and working in fashion.Famous fashion designers come from all walks of life there is no one system to follow that will have you become the next famous fashion designer. Some have graduated from elite fashion schools and some have never attended fashion school. Some have undertaken a fashion internship with a fashion house and others have made their own designs in their basement. The only elements all these fashion designers have in common is they had an intense passion for fashion, were able to design fashions highly sought after and connected with someone who gave them the opportunity to break into the fashion industry. It is essential in becoming a successful fashion designer you get you and your designs out there as much as possible, as how will anyone know about your fashions if they can’t see them?In getting your fashions out there here are a few things you can do:1. We are not usually good at everything some of us are great at designing clothes but lack the sewing and pattern making skills. It is here you can partner with someone who shares your passion for fashion and has the skills you lack. It is in the bringing together of different skills you can create a real product that can be showcased.
2. In having a fashion line of 14 outfits you can apply to your local fashion week. In the USA: New York, Los Angeles and San Francisco all have fashion weeks. These fashion weeks attract many editors, journalists and local socialites who will see your fashions and potentially give you the exposure you need to get known. 
3. Many city night clubs hold fashion shows, find out what night clubs hold fashion shows and contact them as to how you can be apart of an up and coming show. 
4. Locate fashion boutiques that cater to the fashions you design, first make a trip to the stores to look around, if you can see your clothes fitting in well with the store, find out who the owner is and ask if they would be willing to have some of your fashions offered for sale in their store. You will be amazed at how many store owners are willing to work with you. I walked around San Francisco in the Nob Hill district and had my fashions placed after visiting and discussing my product with four boutiques. In having your fashions displayed you will receive valuable insights as to whether or not your designs are in demand and if you need to change your designs to increase sales. It will also give you free exposure to the public. When your fashions do sell you can present this to investors who are more than willing to invest in your line, when you prove the existence of a strong demand for your fashions.
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<title>Establishing Business Credit – The Seven Steps to Success</title>
<link>http://drokznd.info/establishing-business-credit-the-seven-steps-to-success/</link>
<comments>http://drokznd.info/establishing-business-credit-the-seven-steps-to-success/#comments</comments>
<pubDate>Mon, 20 Mar 2023 14:15:45 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://drokznd.info/?p=65</guid>
<description><![CDATA[Business versus Personal Credit:Personal – Personal credit building starts when an individual provides their social security number and applies for their first credit card. At that point a credit profile is started with the personal credit reporting agencies in the … <a href="http://drokznd.info/establishing-business-credit-the-seven-steps-to-success/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Business versus Personal Credit:Personal – Personal credit building starts when an individual provides their social security number and applies for their first credit card. At that point a credit profile is started with the personal credit reporting agencies in the region of the country in which they reside. This profile, also commonly known as a “credit report”, is built with every credit inquiry, credit application submitted, change of address and job change. The information contained in the report is usually reported to the credit bureaus by those businesses issuing credit. Eventually, the credit report is viewed as a statement or report of an individual’s ability to pay back a debt, and is the key tool to access and grant credit.Business – When a business issues another business credit, it is referred to as trade credit (credit from vendors or suppliers). Trade, or business, credit is the single largest source of lending in the world, but it typically not reported to the business credit agencies by most small businesses. The data regarding trade credit transactions must be submitted and then is accumulated by the business credit bureaus to create a business credit report using the business name, address and federal tax identification number (FIN). The credit bureaus use this data to generate a historical report about a company’s business credit transactions and payment history. Typically, the businesses issuing credit rely on the business credit report to determine the credit they are willing to grant and the amount of the credit limit. Additionally, many businesses (suppliers/vendors) will submit credit reference applications to the key suppliers of the business as a method to obtain payment patterns as part of the credit granting process.The major credit bureaus are:Dun & Bradstreet
Business Credit USA 
Corporate Experian 
Small Business Equifax 
TransUnion (Personal)The information provided to the business credit bureaus (primarily D&B) is sent in voluntarily, as businesses are not required to report. Therefore, credit bureaus may never receive any information about the business transactions on credit and a business could go for years accumulating business history without being reported to the credit bureaus and establishing a positive business history of sound credit practices.Establishing Business Credit History:Business credit scores range on a scale from 0 to 100 with 75 or more considered an excellent rating. Personal credit scores, on the other hand, range from 300 to 850 with a score of 680 or higher considered excellent. With today’s tighter credit scrutiny the higher the credit score, the more likely an individual or business is to obtain credit and at more favorable terms (interest rate and contract length).While it is important to know that there are many factors http://www.myfico.com that affect a credit score; it’s based on more than just whether you pay your bills on time (still very important). The credit score will be affected by the amount of available credit you have on bank lines of credit and credit cards, the length of time you’ve had a credit profile, the number of inquiries made on your credit profile, paying the bills on time, bankruptcy, as well as other considerations.The typical American consumer credit report receives two to three credit inquiries per year and usually has 11 credit obligations – typically broken down as 7 credit cards and 4 installment loans. Business owners are not your typical consumer, because they carry both personal and business credit. This typically doubles the number of inquiries made to their personal credit profile and the number of credit obligations they carry at any given time, all of which negatively impact the personal credit score. Additionally, because business inquiries and personal inquiries are not separated on the personal credit report, the personal credit scores are negatively impacted. As mentioned earlier, using the personal credit history to get credit for their business, businesses are not able to build their business history/score, all of which could help attain critical business credit in the future.A critical mistake many business owners make is using their personal information to apply for business credit, leases and loans. This practice has the resultant impact of potentially lowering their personal credit score, while not building a business credit history and business credit score.A key to establishing credit for the business and a profile and score is to find companies (UPS, FEDEX, etc.) or your key supplier and vendors that will grant credit for your business without using your personal credit information and then report the payment experiences to the business credit bureaus. By reporting the information to the proper credit bureaus, those companies will help the business establish a business credit profile and score.The Seven Steps to Success:1. Company Legal Structure – The business must be a legal entity unto itself in order to establish business credit. Therefore, it is recommended to form a corporation (C Corp) or LLC (discuss with your CPA the advantage/disadvantages of a C Corp versus LLC) as opposed to structuring your business as a sole proprietorship or partnership. Formation of a sole proprietorship or partnership, dictates that personal credit information could be included on the business credit report. Additionally, as a sole proprietor or partner in a partnership, you are personally liable for the debts of the business and all your personal assets are at risk in the event of litigation.Corporations and LLC’s, on the other hand, provide the business owners liability protection, and can build a business credit profile that’s separate from the personal credit profile. Therefore, apply for credit under your business’s name and find businesses will to grant credit without a personal credit check or guarantee.2. Register with Business Credit Agencies – The best known business credit bureau is Dun & Bradstreet. Dun & Bradstreet has a process on their web site to establish a D-U-N-S number (a specific 9 digit number related to your business) and instructions how to establish a business credit rating. It is strongly recommended that you contact D&B and follow their process to establish business credit. The following is from the D&B web site:How do I get started with D&B? With our unsurpassed global data collection system, D&B continually gathers the data that initiates the creation of business credit profiles on new companies. Many kinds of activities can trigger a profile on a new company, such as incorporating your business, applying for a loan, getting a business telephone number, taking out a lease on office space – even just when another company seeks information from D&B about your business. Still, a new business may not have a complete business credit profile. Getting a D-U-N-S Number from D&B – the worldwide standard for business classification systems – is an essential part of helping you establish your business credit profile and will ensure that when a company looks you up in the D&B database they will find you. In some cases, a D&B D-U-N-S Number is so a requirement for doing business some entities, such as the US government.You should make sure you have a D&B business credit profile if:You are planning to obtain a business loan
You need to purchase or lease equipment 
Your cash flow is tight 
You want to ensure you are getting a fair deal from lenders compared to your competition 
You want to pay net 30 days instead of COD (Cash On Delivery) 
You are paying interest at prime plus 1, or even higher 
You plan to do business with entities that require a D-U-N-S Number, e.g. the US GovernmentThese issues and dozens other like them can be addressed by having a strong business credit profile. A good rating provides you with the financial freedom to take the steps you need to grow, and is a straightforward, unbiased method for other companies to assess your level of risk when considering taking you on as a creditor. A poor credit rating is a certain barrier to growth and success, preventing you from getting adequate funding on fair terms.Communicating directly with D&B will help establish your business credit in less time. If you are a new company, D&B can help you build a complete business credit profile from the ground up; if you have been in operation for a while, you will want to improve and/or protect your business credit profile. Find out more about how to establish, monitor, improve, or protect your business credit.3. Credit Market Requirements – Businesses must meet all the requirements of the credit market in order to have a higher probability of credit approval, as not being in compliance with the credit market can “send up signal flares” with both credit bureaus and potential grantors of credit.Some of the “signal flares” include:not having a business license,
not being registered with the Secretary of State for a certificate of good standing, 
operating under your social security number rather than a FIN or EIN, 
not having a phone line (land line) that is listed in the phone directory in the exact business legal name, 
no web site, or 
not having a business email address (not AOL or gmail, but a specific URL for your company).4. Small Business Credit Lines – Investigate and locate a minimum of five businesses (vendors/suppliers) willing to grant a small business credit without personal guarantees and will report the payment experiences to the business credit bureaus. This will assist your business to establish a credit report and build a financial credit foundation for the company. Find companies willing to grant credit that report to the credit bureaus such as marketingoncredit.com, UPS, FEDEX5. Business Credit Cards – Obtain three business credit cards (Sam’s Club Discover Business card), that are not linked to you personally and that report the business credit to the reporting agencies. Then be sure to always pay your bills on time!6. Financial Statements, Business Plans and Loan Packages – These documents are often required by many credit grantors as part of their loan application process. CxO To GO is a national professional services firm that has assisted many business with their financial statement preparation and business plans. Additionally, CxO To Go has packages such as PowerPlan and PowerPlan2 for business plans, PowerPuncher for executive summaries, CFOCast for financial projections and BankSell for bank proposals so lenders and bankers will take action. It is important to note that 61% of all businesses are turned down for a loan due to a poor loan package, however with BankSell the lender loan package gets results and moves the applicant to the top of the list for review and credit committee approval.7. Debt management – Be a smart money manager and manage the debt levels to ensure they are not too burdensome and can be paid back with current cash flow. Do not incur debt that will over leverage the company and cause missed or late payments.
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<title>Ease Into the World of Investing</title>
<link>http://drokznd.info/ease-into-the-world-of-investing/</link>
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<pubDate>Mon, 20 Mar 2023 12:33:28 +0000</pubDate>
<dc:creator>admin</dc:creator>
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<description><![CDATA[The United Nations does it. Governments do it. Companies do it. Fund managers do it. Millions of ordinary working people – from business owners to factory workers – do it. Housewives do it. Even farmers and children do it.’It’ here … <a href="http://drokznd.info/ease-into-the-world-of-investing/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ The United Nations does it. Governments do it. Companies do it. Fund managers do it. Millions of ordinary working people – from business owners to factory workers – do it. Housewives do it. Even farmers and children do it.’It’ here is investing: the science and art of creating, protecting and enhancing your wealth in the financial markets. This article introduces some of the most important concerns in the world of investment.Let’s start with your objectives. While clearly the goal is to make more money, there are 3 specific reasons institutions, professionals and retail investors (people like you and me) invest:For Security, ie for protection against inflation or market crashes
For Income, ie to receive regular income from their investments 
For Growth, ie for long-term growth in the value of their investmentsInvestments are generally structured to focus on one or other of these objectives, and investment professionals (such as fund managers) spend a lot of time balancing these competing objectives. With a little bit of education and time, you can do almost the same thing yourself.One of the first questions to ask yourself is how much risk you’re comfortable with. To put it more plainly: how much money are you prepared to lose? Your risk tolerance level depends on your personality, experiences, number of dependents, age, level of financial knowledge and several other factors. Investment advisors measure your risk tolerance level so they can classify you by risk profile (eg, ‘Conservative’, ‘Moderate’, ‘Aggressive’) and recommend the appropriate investment portfolio (explained below).However, understanding your personal risk tolerance level is necessary for you too, especially with something as important as your own money. Your investments should be a source of comfort, not pain. Nobody can guarantee you’ll make a profit; even the most sensible investment decisions can turn against you; there are always ‘good years’ and ‘bad years’. You may lose part or all of your investment so always invest only what you are prepared to lose.At some point you’ll want to withdraw some or all of your investment funds. When is that point likely to be: in 1 year, 5 years, 10 years or 25 years? Clearly, you’ll want an investment that allows you to withdraw at least part of your funds at this point. Your investment timeframe – short-term, medium-term or long-term – will often determine what kinds of investments you can go for and what kinds of returns to expect.All investments involve a degree of risk. One of the ‘golden rules’ of investing is that reward is related to risk: the higher the reward you want, the higher the risk you have to take. Different investments can come with very different levels of risk (and associated reward); it’s important that you appreciate the risks associated with any investment you’re planning to make. There’s no such thing as a risk-free investment, and your bank deposits are no exception. Firstly, while Singapore bank deposits are rightly considered very safe, banks in other countries have failed before and continue to fail. More importantly, in 2010 the highest interest rate on Singapore dollar deposits up to $10,000 was 0.375%, while the average inflation rate from Jan-Nov 2010 was 2.66%. You were losing money just by leaving your savings in the bank.Today, there are many, many types of investments (‘asset classes’) available. Some – such as bank deposits, stocks (shares) and unit trusts – you’re already familiar with, but there are several others you should be aware of. Some of the most common ones:Bank Deposits
Shares 
Investment-Linked Product1 
Unit Trusts2 
ETFs3 
Gold41 An Investment-Linked Product (ILP) is an insurance plan that combines protection and investment. ILPs main advantage is that they offer life insurance.2 A Unit Trust is a pool of money professionally managed according to a specific, long-term management objective (eg, a unit trust may invest in well-known companies all over the world to try to provide a balance of high returns and diversification). The main advantage of unit trusts is that you don’t have to pay brokers’ commissions.3 An ETF or Exchange-Traded Fund comes in many different forms: for example, there are equity ETFs that hold, or track the performance of, a basket of stocks (eg Singapore, emerging economies); commodity ETFs that hold, or track the price of, a single commodity or basket of commodities (eg Silver, metals); and currency ETFs that track a major currency or basket of currencies (eg Euro). ETFs offer two main advantages: they trade like shares (on stock exchanges such as the SGX) and typically come with very low management fees.The main difference between ETFs and Unit Trusts is that ETFs are publicly-traded assets while Unit Trusts are privately-traded assets, meaning that you can buy and sell them yourself anytime during market hours.4 ‘Gold’ here refers to gold bullion, certificates of ownership or gold savings accounts. However, note that you can invest in gold in many other ways, including gold ETFs, gold Unit Trusts; and shares in gold mining companies.With the advent of the Internet and online brokers, there are so many investment alternatives available today that even a beginner investor with $5,000 to invest can find several investment options suited to her objectives, risk profile and timeframe.Diversification basically means trying to reduce risk by making a variety of investments, ie investing your money in multiple companies, industries and countries (and as your financial knowledge and wealth grows, in different ‘asset classes’ – cash, stocks, ETFs, commodities such as gold and silver, etc). This collection of investments is termed your Investment Portfolio.Some level of diversification is important because in times of crisis, similar investments tend to behave similarly. Two of the best examples in recent history are the Singapore stock market crashes of late-2008/early-2009, during the US ‘Subprime’ crisis, and 1997, during the ‘Asian Financial Crisis’, when the price of large numbers of stocks plunged. ‘Diversifying’ by investing in different stocks wouldn’t have helped you very much on these occasions.The concept and power of compounding are best explained by example. Assume we have 3 investments: the first returns 0.25% a year; the second returns 5% a year; and the third returns 10% a year. For each investment, we compare 2 scenarios:Without compounding, ie the annual interest is taken out of the account.
With compounding, ie the annual interest is left (re-invested) in the account.Let’s look at the returns over 25 years for all 3 investments, assuming we start off with $10,000 in Year 0:With 0.25% return a year, your investment will grow to $10,625 after 25 years without compounding; your investment becomes $10,644 after 25 years with compounding. 
With 5% return a year, your investment will grow to $22,500 after 25 years without compounding; your investment becomes $33,864 after 25 years with compounding. 
With 10% return a year, your investment will grow to $35,000 after 25 years without compounding; your investment becomes $108,347 after 25 years with compounding.This shows the dramatic effects of both higher returns and compounding: 10% annual returns coupled with 25 years of compounding will return you more than 10 times your initial investment. And 10% returns are by no means unrealistic: educated investors who actively manage their portfolio themselves and practise diversification can achieve even higher returns, even with some losing years.People of all ages and backgrounds need practical and customised guidance in developing their financial knowledge and skills in order to reach their financial goals. In this article we’ve tried to describe in simple terms some of the most important concepts and principles you need to understand on this journey.
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<title>Designs For Women’s Outdoor Apparel</title>
<link>http://drokznd.info/designs-for-womens-outdoor-apparel/</link>
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<pubDate>Tue, 07 Feb 2023 08:19:24 +0000</pubDate>
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<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[adidas clothing]]></category>
<category><![CDATA[apparel]]></category>
<category><![CDATA[cat shirt]]></category>
<category><![CDATA[designer]]></category>
<category><![CDATA[hunting clothes]]></category>
<category><![CDATA[jordan clothing]]></category>
<category><![CDATA[mens clothing]]></category>
<category><![CDATA[sports clothes]]></category>
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<description><![CDATA[There are a lot of women that love to speed time outside but hate their choice in outdoor apparel. Many women have settled for wearing men’s clothing to be comfortable and to have clothing that is suited for different weather … <a href="http://drokznd.info/designs-for-womens-outdoor-apparel/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ There are a lot of women that love to speed time outside but hate their choice in outdoor apparel. Many women have settled for wearing men’s clothing to be comfortable and to have clothing that is suited for different weather conditions. In the past when you would look at women’s outdoor clothing all you could find was fancy outfits that were frilly and only made to look cute. However, this is no longer the case. Apparel companies have finally listened to what women want when it comes to outdoor clothing and now you can find some really cool outfits that can meet your needs.If you are a woman that has had to wear men’s clothing in the past you have to admit they never seem to fit right. This is especially true if you are a short person. Usually the pants won’t fit in the hips and the shirts won’t fasten around your breast. Plus everyone knows the sleeves are always too long. This is why having women’s outdoor apparel that is designed to look good and feel great is wonderful news for women everywhere. So if you love to spend time outside or if you work in the outdoors you can now have comfortable clothing for all occasions from snowboarding to motorbiking. You can now go mountain climbing, canoeing, fishing, jogging or hunting and enjoy every minute of it while looking great.Some of the companies that make women’s apparel include North Face, Marmot, Mountain Hardwear, Patagonia and Arcteryx. They are taking into consideration that women come in all different sizes. They are short, tall, stout and slim. They need clothing that fits the real individual needs of women and not clothing that is designed for the old-fashioned stereotype vision many people still have of women. You can now really find clothing that is designed for women’s sports and outdoor activities that serves the purpose they were designed for.They have come up with designs that fit the special needs of women. This means the cut and style is designed especially for women so you can look great. These new designs are wrinkle and stain free so no matter what conditions you are in you will still look great. Even if you stuff then into a duffle bag all you need to do is shake them out and they look good as new. You can expect that many new designs for women outdoor apparel will continue to hit the market over the next few years now that these companies have discovered the secrets to designing this type of clothing.
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<title>Natural Skin Care – More Than Skin Deep</title>
<link>http://drokznd.info/natural-skin-care-more-than-skin-deep/</link>
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<pubDate>Tue, 07 Feb 2023 06:24:22 +0000</pubDate>
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<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[beauty]]></category>
<category><![CDATA[cosmetics]]></category>
<category><![CDATA[face care]]></category>
<category><![CDATA[face products]]></category>
<category><![CDATA[serum]]></category>
<category><![CDATA[skin]]></category>
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<category><![CDATA[skincare]]></category>
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<description><![CDATA[Does Natural in Skin Care naturally mean Good?Although Webster defines “natural” as “not artificial, synthetic, [or] acquired by external means,” it is the rare cosmetic ingredient that fits that description. Even water used in cosmetics is generally distilled, deionized, or … <a href="http://drokznd.info/natural-skin-care-more-than-skin-deep/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Does Natural in Skin Care naturally mean Good?Although Webster defines “natural” as “not artificial, synthetic, [or] acquired by external means,” it is the rare cosmetic ingredient that fits that description. Even water used in cosmetics is generally distilled, deionized, or otherwise purified. All along the continuum of “natural” products, choices have been made to emulsify, stabilize and preserve–to make the products smooth and creamy, keep them fresh, and give them an acceptable shelf life. Even if consumers want products that need to be refrigerated, distributors and retailers will not order them because of the added costs of shipping, storing and greater liability. A growing number of consumers who seek that kind of freshness have been firing up their blenders and following recipes for homemade treatments.1[1] Even these, however, call for essential oils, alcohol, glycerin, lanolin, etc., which are a long way from their natural origins. As reported in Strong Voices, the newsletter of the Breast Cancer Fund, “Approximately one-third of cosmetics and bodycare companies position their products as natural in one way or another . . . But, as you might expect, some companies are more natural than others” (Volume 7, Summer 2005).Most people who seek out “natural” products are looking for ingredients whose sources they recognize, and that is why many companies now list the source along with the scientific name of the ingredient, as in sodium laurel sulfate (from coconut), or lanolin (from wool). Turpentine comes from pine trees. My grandmother, born in 1901, swore that turpentine helped her arthritic hands, and she may have rubbed them with lard (from bacon) afterwards to keep them as soft as I remember. Perhaps lard and turpentine are “natural,” but are they good for the skin, and along with that, what is the definition of “good?” Again, there are no simple answers. If you have found this article through the Eco-Mall, it is safe to assume that you seek out skin care that:(1) is friendly to the environment (“eco-friendly”);
(2) does no harm to animals (commonly referred to as “cruelty-free”); and 
(3) does no harm to the human body and ideally does good (is “body-friendly”).Let us examine “natural” skin care in light of each of these issues.Eco-Friendly 
An issue rarely addressed by the cosmetic industry is whether products are environmentally friendly. The LA Times2[2] has reported that consumer products, including cosmetics, pump 100 tons of pollutants daily into southern California’s air, second only to auto emissions. These pollutants come not just from the propellants in sprays and aerosols, but also from fluorocarbons, ethanol, butane, acetone, phenols and xylene. Here’s how it works: These chemicals evaporate, and when the sun shines they combine with other pollutants to form ozone, a primary component of smog that can cause headaches, chest pain and loss of lung function. This happens outdoors and indoors, which can severely compromise the air quality in our homes and offices.There is a class of chemicals called PPCPs (pharmaceutical and personal care products) that until recently have received relatively little attention as potential environmental pollutants. PPCPs comprise all drugs (prescription and over-the-counter), diagnostic agents (e.g., X-ray contrast media), nutraceuticals, and other chemicals, including fragrances, sunscreen agents, and skin anti-aging preparations. When phthalates, for example, get into rivers and lakes, they are known to affect the reproduction of aquatic species; and musk fragrances are known to bioaccumulate.3[3] Skincare products may contain botanical ingredients grown with pesticides and chemical fertilizers that are not friendly to the environment, and some may use genetically modified plants in their botanical ingredients.Cruelty-Free
“Cruelty-free” is generally understood to mean that the products are not tested on animals; sometimes also that there are no animal-derived ingredients in the products. Taken literally, this would imply the absence of lanolin (from wool), beeswax or honey, dairy products, etc. Some labels specifically state there are no animal ingredients.Body-Friendly 
We suggest four criteria for evaluating “body-friendly” skin care products:· Toxicity 
· Occlusiveness 
· Comedogenicity 
· Effectiveness1.ToxicityIn our July article we discussed several ingredients which we prefer to avoid in skin care products. To recap, we listed mineral oils, petrolatum, propylene glycol, parabens, phthalates, SLS and SLES. We also called sunscreens into question.Toxicity (to humans) of skin care ingredients may be divided into three distinct categories:4[4]a. Carcinogenic, referring to ingredients contributing to cancer 
b. Endocrine-disrupting, which refers to chemicals that disturb the body’s hormonal balance, and may interfere with its ability to grow, develop, or function normally. Endocrine disruptors may also be carcinogenic. 
c. Allergenic, irritating or sensitizing, meaning consumers may have allergic reactions or contact dermatitis (itching, redness, rash, etc.). Individuals with multiple chemical sensitivities may become very ill when exposed to certain of these chemicals.There are many “natural” skincare companies who include parabens, SLES, and other of these ingredients in their products.A general note about preservatives: By their very nature preservatives are toxic. They must be toxic to bacteria, molds and yeast to keep the products from spoiling. Another preservative that is gaining use as an alternative to parabens is diazolidinyl urea. This preservative has not been banned from use in Europe, although some authors claim it is carcinogenic because it is a formaldehyde donor. Although formaldehyde is a chemical which occurs naturally in the human body, formaldehyde in the gaseous state is a known carcinogen. From all studies we have read, diazolidinyl urea, when it forms formaldehyde, does not form formaldehyde gas. Nonetheless, when used in high enough concentrations, or even in low concentrations by persons who are especially sensitive to it, diazolidinyl urea-along with almost every other preservative-has been shown to cause contact dermatitis. There are also “natural” products who claim to use no preservative. Most of these contain grapefruit–or other citrus–seed oil extract. As mentioned in Part I of this series, cosmetic chemists I have spoken to insist that these citrus seeds would turn rancid if they were not sprayed with preservative; that that preservative is concentrated in the oil when it is extracted; that this preservative in the extract is what is actually preserving the skincare product; and that the preservative used is generally a paraben.There are also skincare products that are sold in sealed containers with airless pumps or sprayers. Although it can add significantly to the cost of a product, this type of packaging and delivery is highly desirable, as it keeps air and airborne contaminants out of the product and makes it possible to significantly decrease or even eliminate the use of preservative.Of the large list of possible cosmetic ingredients, a relative few individually pose high risk, but many people use an array of products every day. It may be that these risks are adding up, or that single ingredients react with others to create toxic combinations, known as synergistic toxicity.2.Occlusivity
The skin is the body’s largest organ. The lungs breathe, and so does the skin, so to speak: The “breathing” skin provides an exit for toxins and chemicals–respiration in the form of perspiration. Lotions and salves that occlude this exit may initially soften the skin by keeping moisture from escaping, but may actually inhibit the overall health of the individual, besides weighing down the skin and causing it to sag and age. Nutrients applied to the skin that improve the skin’s health may have a positive effect on the whole body, because they are absorbed into the bloodstream through the skin. When we choose body-friendly skin care, two important criteria come into play: that the products not be toxic to our skin or our bodies, and that they not be occlusive-allowing nutrients in and toxins out.5[5] The bonus comes when the ingredients that are allowed in also bring the skin into balance and nourish it. This is the topic of Part III of our series of articles: What Nutrients and Ingredients are Important for Healthy Skin? (late September 2005). Here we address ingredients common to “natural” skin care that may be occlusive and/or comedogenic.Look up “occlusivity” on the web and you will find hundreds of references to occlusivity and its benefits. The reason companies tout the benefits of occlusivity is that it holds water in the skin. When water can’t escape, the skin stays soft and moist, and that sounds like a good thing. Imagine wrapping your skin with plastic wrap and wearing it around all day-an extreme example of occlusivity. Pretty soon it would start to stink in there as the toxins that usually escape with perspiration and generally evaporate into the air get trapped between the skin and the plastic. Now imagine that those same toxins can’t leave the bloodstream because the skin’s normal respiration is blocked. Where will they go? In some cases, they fester under the skin and form deep-down blemishes; in extreme cases, where occlusive lotions are used all over the body for extended periods, they may deposit in the liver and add to the body’s toxic load.Sometimes it may be beneficial to use occlusive salves for a limited time. If you want to climb Mt. Everest, for example, or ski at high altitude where the air is thin and dry and you are close to the sun, it’s a good idea to wear a lotion that holds the water in the skin. For babies with diaper rash, it’s good to use a salve that keeps the water away from the skin! For most of us, these are not constant conditions, and treatments that hold water in over time are undesirable.
Standard cosmetics experts may disagree with this reasoning. Paula Begoun in Don’t Go to the Cosmetics Counter Without Me (5th ed., 2001) states: “According to many ‘natural’ cosmetics companies, mineral oil (and petrolatum) comes from crude oil (petroleum), is used in industry as a metal-cutting fluid, and therefore can harm the skin by forming an oil film and suffocating it. . . . This foolish, recurring misinformation about mineral oil and petrolatum is maddening. After all, crude oil is as natural as any other earth-derived substance. . . Mineral oil and petrolatum . . . can keep air off the skin to some extent, but . . . it doesn’t suffocate the skin!” (pp. 11-13). She also states that antiperspirants “cannot absorb into the skin . . .” (p. 14). I maintain that anything rubbed onto the skin will be absorbed, as long as the molecules are small enough to pass through the skin membrane; this is how patches work to deliver medication. Although Begoun makes a good point that crude oil is “natural,” I believe in making educated choices of which earth-derived substances we apply to the skin, and crude oil is not on my list.It should be noted that there are degrees of occlusivity: If an ingredient is occlusive when used by itself, it will be less so when used in combination with non-occlusive ingredients. A small amount of beeswax used to emulsify jojoba and water will be far less occlusive than rubbing beeswax alone onto the skin. With that in mind, besides mineral oil and petrolatum, here are some of the more common occlusive ingredients found in “natural” skin care:a. beeswax and other waxes
b. castor oil 
c. cocoa butter 
d. dimethicone 
e. honey 
f. lanolin 
g. sunflower oil and other vegetable oils3. Comedogenicity 
Unlike occlusive oils like mineral and sunflower oil, which do not penetrate, comedogenicity refers to the tendency of a substance to get into the skin’s pores and clog them. This is especially bothersome in face care products, where clogged pores may lead to acne and blackheads. The word comedo is the medical term for blackhead, so comedo+genic means “friendly to blackheads.” Some cosmetic-ingredient glossaries equate “non-comedogenic” with “non-occlusive,” but that is a misunderstanding; while beeswax, mineral oil and zinc oxide (among others) are known to be occlusive, they are non-comedogenic. This is because they lie on top of the skin and do not penetrate. Others, like sunflower oil, may be both occlusive and (somewhat) comedogenic. Below is a list of the relative comedogenicity of some common “natural” cosmetic ingredients6[6] (source: http://www.geocities.com):Very Comedogenic
Somewhat Comedogenic 
Not ComedogenicCapric/caprylic triglyceride 
Anhydrous lanolin 
Allantoin 
Cocoa butter 
Avocado oil 
Beeswax 
Lanolic acid 
Capric & caprylic acid 
Cyclomethicone & Dimethicone 
Linseed oil 
Castor oil 
Ethanol 
Olive oil 
Coconut oil 
Glycerin 
Peach kernal oil 
Corn oil 
Jojoba 
Sweet almond oil 
Grape seed oil 
Kaolin (clay) 
Glyceryl stearate 
Mineral oil (USP) 
Hexylene glycol 
Oxybenzone 
Lanolin alcohol & oil 
Panthenol 
Mineral oil, cosmetic grade 
Petrolatum (USP) 
Mink oil 
Polysorbates 
Peanut oil 
Propylene glycol 
Safflower oil 
SD alcohol 
Sesame oil 
Sodium hyaluronate 
Sunflower oil 
Sodium PCA 
Tocopherol (vitamin E) 
Sorbitol 
Squalane 
Titanium dioxide 
Waxes 
 
“Note: Even somewhat or very comedogenic ingredients can be present in non-comedogenic formulas when used at percentages low enough that the end formula won’t clog pores” (ibid.). The important point is to look at their relative position in the ingredients list. If a comedogenic ingredient is toward the top, then it is probably present in a quantity large enough to clog pores. Unfortunately it is impossible from the ingredients list to know whether for example ingredient #5 represents 20% of the formula or 2%. Thus we need to be able to trust the manufacturer when the label states “non-comedogenic.”4. Effectiveness
Let us assume that every skincare company’s raison d’etre (before or after the profit motive) is to create products that make the skin feel and look good, and that probably means it’s soft and not dry. Add some additional goals–anti-aging, anti-acne, skin-smoothing–and you’ve covered most of the bases. Most skincare products, “natural” or otherwise, achieve these goals by using occlusive ingredients that hold moisture in and keep the skin soft and “plump.”
If, however, we are looking for the beauty of overall glowing good health in the skin, we need to ask for more than this from our skin care.We agree with Charles DePrince, president of GoForLife Labs, who states: “The idea of ‘natural’ could mean a product containing all natural ingredients; however, I believe there should be a more significant meaning to the idea. I think the natural course to attaining beauty is a healthier and potentially more lasting one than with the use of harsh or radical treatments such as Botox, face lifts and peeling. The ‘natural’ idea would be to support the living and natural cells of our skin with nutrients that could support such things as the body’s natural ability to retain moisture, to support natural collagen development, or to reduce hyperpigmentation. This way, by supporting the natural health of the skin, I believe the cumulative effect would be to develop healthier skin as both the path to and result of beauty.”7[7]
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