Dentist for Children With Special Needs

Special-needs children need a dentist who specializes in their care. This is because there are certain conditions that point to them needing this extra kind of care. Another reason is mainly due to the specialized techniques and methods that need to be applied when caring for children like them. Dental professionals who prefer to work with kids who have special needs are trained and educated in the best possible ways that can make their methods more effective. Usually, pediatric dental professionals are the ones who train to tackle these cases, but there are also some cases of others who belong to another dental field but can specialize in it.

There are a lot of things that parents of special children need to understand when they consult a dentist of this field. One primary thing that needs to be understood is the fact that their kids need to be handled by people who have a lot of patience, understanding, and knowledge regarding their conditions. These things need to be in abundance, especially when it comes to the mouth.

Another thing that parents need to know about when it comes to the oral health of their special-needs child is that there are certain conditions that really need the attention of specialists. Specific medications that may be prescribed to the child might affect the state of the mouth, which in turn needs to be handled with care. Specialists know how to circumvent any repercussions of the medications through treatment and correction of whatever result may come from ingesting the medicines.

A pediatric dentist is educated for two more years compared to general dentists in regards to the needs of those with special needs. These specialists are also well aware of what they need in their clinics to be able to handle their patients. Many of the pediatric dental professionals who offer their services to children with conditions that need extra care often equip their clinics with equipment, supplies and other things that will come in handy when it comes to comforting and treating them.

Even access to the different areas and aspects of clinic will need to be planned with the needs of the patients in mind. The dental professionals will also explain to the parents or guardians of the kids that there may be instances or sessions in which the use of sedation or restraint may be necessary in order to implement the necessary corrections or treatment to the child. The dentist will need to outline the instances when the restraint or sedation may be used, and he or she needs to make the parents understand that these will only happen when there is an urgent need to do so.

It is good to bear in mind that children with special needs will benefit greatly from the techniques and methods that this particular dentist might use. Parents should also keep an open mind with regards to the techniques and methods.

Posted in natural | Comments Off on Dentist for Children With Special Needs

Best Ways to Prospect in Commercial Real Estate Today

The prospecting process in commercial real estate is a daily event or at least it should be for every salesperson. There are four ways to contact your prospects, and whilst I will explain of those four strategies here, only two of them are highly successful.

When you understand and appreciate the value of the two best prospecting methods, you can convert more commercial real estate business opportunity and listings in your local market. The other two methods in the main are a waste of time and effort.

So here are the four methods of prospecting that you can use. They can be mixed or combined as the case may be. As only two of them will be highly successful, I will define those two at the end of the article.

  1. Sending an e-mail to a prospect regards your services and commercial real estate activity is easy and convenient. Many agents do this on a regular daily basis. You can combine with the e-mail relevant attachments and information regards the local property market and property types available for sale or lease.
  2. The traditional direct mail approach still occurs today although less frequently. To send direct mail, you need to have the necessary contact details of the people concerned. Generic mail without personally addressed correspondence is a waste of time. If you are sending direct mail, make sure you understand the correct title and name of the relative person.
  3. The telephone is a very convenient method of contact when it comes to prospecting for new business. The rejection factor or ratio in cold calling activities is rather high although this should not put you off the process.
  4. Dropping into a business or a local address to introduce yourself as the commercial real estate expert should happen on a daily basis. You can do this on a street by street basis. Identify the local businesses in each street and then visit five of them each day. Leave your business card as part of the process. You ask them questions regards their property needs, or property usage, and if they are a tenant or an owner.

So, two of the above items are far more successful than the others. Most particularly they are the use of the telephone and dropping into the local businesses. These activities should occur daily as they will strengthen your market share very quickly.

It should be noted that the direct mail approach is still highly effective although you should always follow up the letter with a telephone call. Direct mail without follow-up is a waste of money.

The most convenient and yet less effective way of marketing today is the email process. Most business people get many emails on a daily basis and therefore will be inclined to delete unnecessary emails that are of general information. If you are going to implement the email process as part of your marketing model, make sure you have the consent of the person concerned so that you can personalise the process. As regularly as possible, make sure you follow the emails are up with a telephone call.

Posted in natural | Comments Off on Best Ways to Prospect in Commercial Real Estate Today

Bad Credit Cash Advance Loans – Get Instant Cash With Flexible Terms

If you are looking forward to instant credit, then cash advance loans can be your ultimate destination. These are the fastest ways of arranging desired cash, as these loans do not bother the borrower for arranging unnecessary details. These can provide you with smart cash within the least possible time; in fact, with these loans, you can enjoy fastest approval and instantaneous processing of your loan request. These cover credit requirements of every borrower section; therefore, people who are facing rejection due to their bad credit history can also manage suitable cash with cash advance loans. Bad credit cash advance loans are specially tailored for people, who have troubled credit history, so that they may also avail finest credit facilities to meet their requirements.

If your credit statement includes bankruptcy or foreclosure, then also you can get the desired loan amount with bad credit cash advance loans. The biggest benefit of these loans is that you get the cash instantly without wasting time on unnecessary documentation. Since these are for bad credit borrowers, lenders do not check your credit statement to approve the loan. Usually, these loans are based on the repayment capability of the borrower therefore, you need to have statement regarding steady source of monthly income. For getting an idea about the repayment capability of the borrower, lenders verify income details by contacting his or her employer. Income verification is the only term that a borrower need to fulfill for getting approval, as income statement of a borrower helps the lender in determining whether the borrower is eligible or not. Therefore, if you are employed and in need of urgent cash then bad credit cash advance loans can settle your emergency expenses without making any further delay.

People, who use credit card to meet emergency financial requirements, may find these loans expensive, as these loans charge higher interest than credit cards. However, bad credit borrowers hardly get the privilege to cash their credit card benefits but with bad credit cash advance loans they can also obtain desired cash. In fact, these can provide bad credit borrowers with excellent financial benefits. Since there is not any provision regarding usage of loan amount, you can use these loans in paying off your due bills and short term debts.

Basically, these loans are paid back by making a lump sum payment, as there is not any provision for installment. The repayment amount includes interest and is automatically deducted from the salary account of the borrower on due date. If you are going to take bad credit cash advance loans for the very first time, then carefully compare all available loan deals in the marketplace. Comparing rates will definitely help you in getting a more reasonable loan with lower interest rate thus compare schemes to make sure that you are getting a rational loan deal. Therefore, if you are struggling to arrange for desired cash for settling your emergency financial requirements, then apply for bad credit cash advance loans to get smart credit within minutes.

Posted in natural | Comments Off on Bad Credit Cash Advance Loans – Get Instant Cash With Flexible Terms

Cheap Car Insurance and Car Safety – When to Make a Claim

The question of whether or not to make a claim on your car insurance policy is one that often bothers policyholders on the assumption that they may be better off financially in the long-term if they don’t make a claim, if the amount is reasonably small, and by not making a claim they will therefore save money on their car insurance premium in the long-term. This can often apply to minor scratches or problems, that may be your fault or someone else’s fault. It may well be something like the loss of an aerial, or even potentially a minor crash with car another where both parties agree that it is in their interests not pursue it further and not make a claim on their own insurance policies.

This thinking is potentially quite dangerous for one very simple reason. If you are a motorist and are involved in any incident that could potentially give rise to a claim under your own policy you are obligated under the terms of your insurance policy to notify your insurance company even if you do not subsequently make a claim. People assume that they only need to notify their insurance company if they intend to make a claim. This is not true. Your insurance company needs to be notified either at the time you actually knew that there had been an incident under the policy which could have given rise to a claim.

This does not mean that the insurance company will automatically charge more tax at renewal, or that you will automatically lose your no claims bonus. It works on a very simple principle that the insurance company use when assessing risk, and the risk involved when deciding to insure you in the first place and at subsequent renewals. The insurance company will assess a risk and as part of that risk assessment they need to know any incident that happened would be considered able to be claimed under the policy.

The position for a policyholder is very simple. If your car or vehicle is damaged in any way in such a state that it could potentially give rise to a claim on the policy you are obliged to notify your insurance company, or your insurance broker if using one. It is then a separate decision whether or not you decide to go ahead and claim under the policy and process such a claim from your insurance company. If you do decide to make a claim, then it is likely that it will affect your renewal premium and your no claims bonus discount that may be applicable to you on your car insurance policy.

If you decide not to make a claim, this will not affect your no claims bonus, but depending on the severity of the incident itself your insurance company may decide to increase your car insurance rate unilaterally. In most instances there will also be a policy excess, which can be quite significant and as such is not worth your while claiming under the policy anyway. Having an awareness of what your policy conditions are and what coverage is available and what your excess is will give you the information you need to have in order to decide whether to make a claim or not.

There is an exception to this principle which is that most insurance companies will allow you to make a claim for your windscreen or windshield if it is damaged or completely smashed without the claim affecting your policy. This is pretty common in the car insurance industry, and is a safety factor designed to allow you to drive safely without it affecting your no claims bonus or the cost of your insurance premium if you do have to make a claim on your policy.

Posted in natural | Comments Off on Cheap Car Insurance and Car Safety – When to Make a Claim

Shakespeare on Addiction: Sonnet 129

Something interesting happens every time I teach Shakespeare’s Sonnet 129. I’m reasonably certain the term “sex addiction” didn’t exist in his day – and neither did 12 step groups for it, with Elizabethans turning up in their flamboyant garb – but that doesn’t mean that the problem, and its attendant degradations, didn’t exist. Just ask Shakespeare about his Dark Lady.***

The expense of spirit in a waste of shame

Is lust in action; and till action, lust

Is perjured, murderous, bloody, full of blame,

Savage, extreme, rude, cruel, not to trust,

Enjoy’d no sooner but despised straight,

Past reason hunted, and no sooner had

Past reason hated, as a swallow’d bait

On purpose laid to make the taker mad;

Mad in pursuit and in possession so;

Had, having, and in quest to have, extreme;

A bliss in proof, and proved, a very woe;

Before, a joy proposed; behind, a dream.

All this the world well knows; yet none knows well

To shun the heaven that leads men to this hell.

Why am I thinking about sonnet 129? Shakespeare’s sonnets beg for interpretation, and it’s not just because they are formal masterpieces that we should, as intelligent folk, feel compelled to dissect for dissection’s sake. No, there’s more to them than that. His sonnets are relevant today and I’m going to show you why.

A few years ago, I came across an hour long documentary made about Vancouver’s notorious downtown eastside. The area has been ravaged by an influx of drugs and its victims, earning it a reputation for being something of an elephants’ graveyard: it’s where addicts go to die. The film was called Through a Blue Lens and was shot, mostly, by two beat cops who wanted to portray the lives of the addicts living there. It’s not a warm and fuzzy film about drug addiction, but it’s not condemnatory either. Here’s an excerpt:

The plight of those living in that part of Vancouver became a minor cause célèbre in 1999, in part because The Globe and Mail published a photo essay of its denizens that left a lot of Canadians gasping. It made us aware, in a none-too-gentle way, that we had inner city problems just as bad as some cities south of the border. Vancouver’s port is a gateway for the drug trade and it seems at least some of these drugs don’t travel far: they form the lifeblood of those immiserated souls living in the downtown area.

So why look at Canada’s Skid Row when we’re talking about Shakespeare? It’s because his definition of addiction is one of the best I’ve ever read. It’s relevant today and that’s because when addicts talk about their suffering, they report (albeit less eloquently) many of the same things. And when I say things, I mean they report having many of the same feelings and experiences described by Shakespeare. Those haunting sounds of agony — the addict’s anguish — are distilled, painfully and thoroughly, in this poem.

It begins:

The expense of spirit in a waste of shame

Shakespeare believes we forfeit our spirit – our soul – when we engage in addictive behaviour. The expense, or the price of the addiction, is paid with it. Waste here is used literally (implying that lives are wasted by addiction) and also symbolically to denote a place. This double meaning is made obvious by the use of the preposition in, as “in” a waste of shame. Waste as a place bookends neatly with that other inferno, hell, mentioned in the closing couplet.

Lust is Shakespeare’s drug of choice and the belief is that it was aimed at the infamous Dark Lady, that promiscuous creature that had Shakespeare, and others, utterly intoxicated.

The expense of spirit in a waste of shame

Is lust in action; and till action, lust

Is perjured, murderous, bloody, full of blame,

Savage, extreme, rude, cruel, not to trust

What are the signs of Shakespeare’s enslavement? The form of a sonnet is strictly prescribed: it is made up of three quatrains — three groups of four lines — and a closing couplet. The rhyme scheme tends to alternate lines, meaning the first line rhymes with the third, the second with the fourth, etc. The lines are usually made up of phrases that go towards forming sentences. However, in this quatrain, the last half is simply a list of adjectives or adjective phrases, enumerating Shakespeare’s agonies. And these agonies are stated strongly, with words like murderous, bloody, savage and extreme.

This is a man in the throes of an obsession, an obsession that won’t even allow him to form coherent thoughts; instead he spits out a list of adjectives to convey his feelings. Shakespeare the wordsmith created this list for a reason. It’s there to denote a burst of feeling that can’t be contained.

But does this fury of Shakespeare’s capture the state of those sad and emaciated souls wandering the downtown eastside? I would argue it does and the key word here is shame. Ask any active addict how they feel about their life and you are bound to discover, underneath the anger and street braggadocio, a deep and murky well of it. That shame is what keeps them using; it’s what keeps them from wanting to feel.

After Shakespeare establishes his narrative voice, he turns to the cyclical nature of his malady. In the second quatrain, he states:

Enjoy’d no sooner but despised straight,

Past reason hunted, and no sooner had

Past reason hated, as a swallow’d bait

On purpose laid to make the taker mad;

Here we see the structural and thematic rendering of the cycle of addiction. Let me translate: the addict no sooner enjoys (uses) her drug when she starts to despise its consequences straight (right away). However, beyond all reason she continues to hunt for it, and again, as soon as she consumes it, she hates it beyond all reason because she can’t stop. Then Shakespeare expands the subtle animal imagery and lays blame on suppliers and enablers. Her drug is like a trap laid on purpose and it makes her, the taker, mad. Mad here is being used in the British sense of the word, meaning insane.

It’s usually at this point in my class that I stop and ask students to think of an activity, any activity, they do to excess. Do they spend too much time online? Eat too much of the wrong kind of food? Text incessantly? And it’s also here that I tell them my own little story of addiction, the one that had me frequently rushing to the neighbourhood corner store, in Toronto, when I was a student.

I had an addiction and it was to Swedish Berries, those soft red candies that taste heavenly but are of no nutritional value whatever. These darlings came in handy at midnight when I had an essay to finish and needed a sugar boost. However, the problem was that I didn’t know when to stop. The store sold them in bulk and I didn’t have the discipline to buy only a few. My reasoning, as I stood in front of that bin and ladled in scoop after scoop, was that I would save some for later.

Right.

So I would eat them until I felt sick and this process, over the last two years of my undergrad degree, repeated itself more times than I care to remember. But it was the sequence of events in this process that was important. I would come to the realization it was late. I knew I had to keep working but didn’t want coffee. Then I would think: Hey! Swedish Berries! Great idea! And I would haul myself off to the store, come back and eat way too many of them. Only afterwards would I say to myself: “Did I really have to scarf down that whole bag?” Or: “Good idea? What was I thinking?”

So too goes the cycle of addiction: there is the chase, the consummation and the aftermath. In other words, the anticipation, the imbibing and the remorse. This cycle will be expanded upon in the next quatrain.

Mad in pursuit and in possession so;

Had, having, and in quest to have, extreme;

A bliss in proof, and proved, a very woe;

Before, a joy proposed; behind, a dream.

The first quatrain establishes, through the use of enumeration, Shakespeare’s lo
ss of control. The second establishes the cyclical nature of his addiction. This last is significant because it does not provide new information. However, it does repeat the three part cycle and repetition in Shakespeare is always significant: he uses it to let us know we need to pay attention. Here we are told, again and with more emphasis, that an addict is mad while chasing the drug and mad while consuming it. And of course it is that madness — that inability to reason — that starts the cycle all over again.

But take a look at the second line. Shakespeare reverses the order of the cycle: he starts with the aftermath: had, moves to the consummation: having, and then moves to the first stage of the cycle, the chase: in quest to have. He does this to create the impression of a back-and-forth motion: the addict moves forward and backward, forward and backward, ad infinitum. Why? Because that’s what happens when one becomes addicted: life stalls.

At the start of this article, I said something interesting happens every time I teach this sonnet. Here it is: after I read it out loud, I tell my students to look closely at the panhandlers, especially the young ones, when they pass through the Atwater metro, the metro that services Dawson. I almost always get the same reaction: the class goes silent, the flow of air in the room stops, and these young people, with their futures ahead of them, pay closer attention. This suffering, rendered so poetically by Shakespeare, is only steps away.

And it happens elsewhere. When I drive home, I stop at a busy intersection leading onto the highway. That’s where I often see a young woman, her blonde hair in dreadlocks, holding up a sign asking for spare change. I always give her some and now she knows to come to me. If the traffic light permits, we may even exchange a few words.

I’ve been criticized for doing this — “she’ll just spend the money on drugs” is what I hear — but I don’t know what else to do. I don’t know how we can stop people from “committing suicide on the installment plan,” as a good friend of mine puts it.

Shakespeare didn’t know either, but luckily for us, that didn’t stop him from looking deeply into that darkness and writing about it anyway.

***I will be, for the sake of brevity and compression, be referring to the narrator as Shakespeare.

Posted in natural | Comments Off on Shakespeare on Addiction: Sonnet 129

Quito Gastronomy: Where To Eat To Ensure An Amazing Vacation

One of the best things about taking a vacation is all of the delicious new foods that you’ll get to try. If you’re lucky enough to experience Quito travel, don’t forget to plan where to eat in order to sample the best of Quito gastronomy. Here are just a few of the many different restaurants that the city offers. From gourmet meals, to quick serve cafes, there’s something for everyone.

Looking For A Quick, Family-Friendly Breakfast? Try Crepes And Waffles

Crepes and Waffles is one of the area’s best-known chain restaurants and it’s possible to find locations throughout the city. Customers can choose from savory or dessert crepes and nearly everything in between. Meals here are inexpensive, around $10, and the large variety means that there’s something for even picky eaters. If you’re there for dessert, make sure to try a crepe topped with ice cream, as many locals and tourists report that the restaurant’s ice cream is the best you’ll find on Quito vacations.

Got A Little Room In Your Budget? Choose Barlovento

Barlovento is a bit pricey compared to other Quito gastronomy experiences, but visitors to this restaurant report that the cost is well worth it. Barlevento offers seafood with a decidedly Ecuadorian flair and favorites include coconut seafood stew, crab spring rolls, ceviche, empanadas and the paella. The restaurant is located across from one of the city’s biggest hotels and is a popular choice with both locals and tourists.

Want To Try Italian? Head To Pavarotti Ristoranti

Just because you’re not in Italy, there’s no reason not to try an Italian restaurant. One of the best ones to visit during Quito vacations is Pavarotti Ristoranti. Many of the dishes here come with an Ecuadorian twist, so don’t be afraid to order something a little out of the ordinary. Some dishes that the restaurant is known for include the calamari ink pasta, sea bass, veal, spaghetti carbonara and breads served with olive oil and balsamic vinegar for dipping. Prices here are slightly more expensive by Ecuadorian standards, however, they’re on par for quality meals in other countries. Pavarotti Ristoranti is located across the street from Swisshotel and the World Trade Center.

On A Budget? Try Porky’s Restaurant

If you’re looking for fast, quality food with a small price tag, Porky’s Restaurant is the place to be. Here you’ll find a three-course menu that changes every day, which means that patrons could visit every day and receive something different. Meals here cost just $3 and include a soup, a main dish, a dessert and even freshly squeezed juice. Although the menu is limited, guests can choose from fish, beef or chicken and each dish is made with healthy cooking methods and ingredients.

Other Quito Gastronomy Choices

Other popular restaurants to try in between your Quito tours are Baalbek, Suvlaki, Café Plaza Grande, Zazu, Noe Sushi Bar and La Petit Pigalle. With so many different types of cuisine, travelers are sure to find something to fit every taste bud.

Posted in natural | Comments Off on Quito Gastronomy: Where To Eat To Ensure An Amazing Vacation

What Do I Like To Do Business Concepts – Wax My Car

Every weekend, my neighbor gets out and washers, waxes, and details his sports car. I swear he must love that thing, probably more than his wife. Interestingly enough, I know a thing or two about cleaning and detailing automobiles. In fact, I had built up a mobile auto detailing and mobile car washing business, and then franchised it serving some 23 states and 450 different cities. We cleaned fleets of vehicles, car lots, and personal cars and office buildings. It was a fun business because I loved cars, and it grew from there.

Might I suggest if you are considering starting your own business, that you consider doing something that you love to do? Whatever is your passion, that’s where you should be focusing your energy, and you should try to stick within that category. Running a business is hard work, and you’ll have to spend lots of hours, so you may as well do something that you love. Then it doesn’t seem so onerous, and the time spent isn’t boring. Now then, if you love automobiles, especially high-end cars, then you might like to do mobile auto detailing.

This is where you travel to the customer’s car in a specialized mobile detailing rig with everything set up inside, and then you clean and detail a person’s car for a very high price onsite. Basically, you are making their car look new again, and you are building your business through referrals in the process. What does it take to start a business like this? Well, there are tools of the trade, and you can find out about these things online. Once you have the right equipment you’ll need to do some marketing, and you can find books on this.

Why would you wish to be stuck in an office, when you are a car buff? You see, it would hardly make sense to be stuck in a career that you didn’t enjoy, and you felt as if you were stuck in an economically enslaved prison set up just so you could pay your bills. You must follow your passion, follow your dreams, and do what feels right. Far too many people start businesses that they think will make money, but they don’t enjoy doing. As they lose interest, they stop paying attention to the details, and eventually the business fails.

It doesn’t have to be this way, and if you are like me, and you like cars, then starting a mobile car wash, or a mobile detailing business might be right up your alley. Indeed I hope you will please consider all this and think on it.

Posted in natural | Comments Off on What Do I Like To Do Business Concepts – Wax My Car

Search Results

#EANF#

Posted in natural | Comments Off on Search Results

Managing a Family With a Travel Nursing Career

A career as a travel nurse can be an exciting and rewarding opportunity to see the country. Travel nurses have the opportunity to see many places and people while earning a substantial income. Most travel nurse placements run for about 13 weeks which means relocating quite frequently. Fortunately, travel nurse agencies take into account that many nurses have families so they make arrangements to accommodate a nurse with a family.

A travel nursing career will give you more control over your work and life. Most travel nurse companies allow nurses to choose their assignments based on their personal needs. They tend to select assignments based on location, pay, benefits, professional opportunities, and accommodating their family. No matter where you choose to go in your travel nursing career, most agencies will provide you with nursing positions customized to your fit your lifestyle requirements. Most agencies will allow nurses to choose locations that are not too far from their home. The agencies will also assist nurses with finding accommodations with additional rooms for family members. Some may charge a small fee for the additional rooms. An agency may also help workers find a location in their local area with flexible shifts that will allow them to spend quality time with their family.

Some families will choose to accept a housing stipend instead of housing facilities and travel in a RV. They can then maintain a comfortable lifestyle with all of the necessities and supplies contained in the vehicle. Some families choose to home school their children. Most communities have a wealth of resources to assist in your home schooling needs. This often includes activities that will encourage active socialization activities for children. Married couples who are both travel nurses have the flexibility to arrange their work schedules so that someone is always at home with their children while the other one is on their travel nurse assignment. They will often alternate work placements. This will allow a couple to maintain a family unit as well as have work breaks. If home schooling is not an option, there are some work assignments that can last up to nine months so a child can attend a full school year. Others may choose to accept work assignments that are a few hours drive from their permanent home. With a little time management scheduling, one can earn a great living while raising a family.

Having children does not mean you cannot enjoy a successful career as a travel nurse. There are many advantages that can benefit you as well as your children. Many recruiting agencies will provide you with free housing. Another benefit of bringing your children on assignment is that they have the chance to see other parts of the country and people while you earn a great salary with great benefits. Most travel nursing pay scales are anywhere from ten to fifteen percent higher than the pay of a regular staff nurse. It is much like a working vacation.

The nursing shortage has health care facilities across the country seeking skilled professionals. Travel nurses are in great demand and travel nursing agencies are eager to recruit qualified workers to ease the workload. Finding the best and safest housing for you and your family is not a problem for most agencies. They will accommodate your extra needs, whether you require an extra room for the children or even extra needs for a pet. . As well, you will receive great compensation, great health care coverage, and other appealing incentives. If you are a travel nurse or are interested in a travel nurse career, it is a great time to acquire a position in a fast growing and popular health field.

Posted in natural | Comments Off on Managing a Family With a Travel Nursing Career

The Most Profitable Business Sectors in 2010

Entrepreneurs dream of and start businesses for a variety of reasons. Some hate the jobs they are in, while others dislike the politics of a big office environment. But most would agree that the lure of freedom and flexibility were huge motivating factors.

Regardless of the rationale behind their decision, one criterion is more critical than any other: They want to make money and support their families. While it is easy to get distracted by chasing customers, growing top line revenue and expanding premises, the simple business fundamentals – profit and cash flow – determine whether the entrepreneur’s dream will ultimately last or turn into a nightmare.

It is almost impossible to predict the success and financial health of a business by looking at the number of employees, the look/feel of the website, the size of the office or the resume of the owner. Most of us would assume that the only way to really know, is to get a copy of and read the financial statements. While this is a great idea and valuable exercise, there is also another, easy way to narrow down your choices. You could simply choose to start or buy one of the Top 10 Most Profitable businesses – i.e. a venture that statistically has the highest probability of being financially successful.

Sounds straightforward, doesn’t it? But how [exactly] do you find out which businesses are on the list?

It is not widely known in the marketplace, but there are in fact certain industry classifications which have a track record of high net profit margins and solid cash flow. There are also certain characteristics and financial metrics of these select businesses which exponentially enhance their profitability. So much so, that these particular businesses are 5 to 10 times more likely to survive and thrive.

1. Consultants, experts and speakers
This industry includes business advisors, authors, coaches, therapists, psychologists, authors and paid speakers. On average, these businesses enjoy high per hour rates, carry no debt or inventory and have very low fixed expenses. The number of professionals in this area is growing rapidly each year and they are consistently generating net profit margins of 25-35%. Not bad for a business that is borne out of one person’s expertise – the large majority of these businesses employ less than 3 people.

2. Accounting and financial services
While this industry may sound boring – bookkeeping, payroll, tax compliance, accounting advice and software, advisory services, financial/investment advice etc – these practitioners become a whole lot more interesting when they are standing on their wallets. These businesses tend to have the longest client relationships (as most people perceive a huge risk inherent with switching to a new provider) and thus the lowest churn rate and the lowest cost to acquire and retain clients. They enjoy profit of around 23-26%, have enormous pricing power and their services are seen as must-haves, not discretionary spends. By and large, they also tend to have low operating expenses per client and as a percentage of sales.

3. Legal specialists
Despite their reputation as sharks and bottom feeders, lawyers make excellent profit and cash flow (on average 20-24% net profit margin). Their success factors mirror those of their accounting and financial services colleagues. Most clients are attained through WOM and referrals (keeping marketing costs low) and they tend to stay with their advisor over the long term as there is a perceived risk/cost to switching attorneys. Lawyers are fantastic at generating repeat business and up sales. Some of the most profitable areas include DUI defence, criminal law, tax and estate planning and divorce law.

4. Dentists – general and specialists
Dentists have three key operating advantages – they are often able to treat multiple patients simultaneously, they enjoy high average dollar transactions (most of which is not covered by health care plans) and their operating costs are relatively low (when divided by the total number of patients serviced). Yearly maintenance services (cleaning and x-rays) produce high contribution margins and dentists do a great job of convincing us we need them regularly. On average, they spend more than any other health provider on follow ups and re-bookings. Fortunately, the cost of this direct marketing is much lower than the cost of acquiring new patients and produces returns of 18-22% for the practice.

5. Designers
No matter what they specialize in – structures, decor, your brand, high end clothing and accessories – these professionals have a flair for bringing in the money – in fact about 16-19% on the bottom line each year. These practitioners benefit greatly from high end pricing and relatively low variable product costs and operating margins. Their greatest assets are their customer lists and their time. The greatest risk for those who are not as successful in this area is productivity – either not understanding the time involved to complete a job or not charging market rates for their time.

6. Medical specialists and veterinary medicine
It pays to specialize. The medical profession is relatively recession -proof. No matter what, people and pets tend to get sick and we rarely opt to forgo seeking care and treatment. Surprisingly on the rise are highly discretionary services such as plastic surgery, Lasik eye surgery, lap band specialists, infertility treatment and hair restoration. These specialists are often able to charge outside of what is covered by public and private health care (earning profit of around 14-16%) and they earn much more than their general medicine counterparts.

7. Specialised health and alternative medicine
As with traditional medicine, it pays to specialize. Mental health, podiatry, chiropractic, naturopathy, acupuncture, physical therapists etc. enjoy profits of 13-15% due to high average dollar transactions, repeat visits, low cost of goods sold and low operating margins.

8. Eldercare and retirement services
As the average population continues to age, there is a growing strain on young families from both ends – the need to manage child care with a career AND the need to manage the transition of elderly parents into assisted living or full time care. As a result, placement services, retirement villages, aged care services etc. are growing and becoming more lucrative. Private services in particular can earn 12-14% before tax.

9. Insurance and mortgage brokers
These businesses often cost very little to start and operate and earn their money through 2 distinct streams – the upfront fee they earn for securing the deal and ongoing annual trailers (which can often grow to 80% of their total revenue). While recent changes in many jurisdictions have reduced or delayed their initial payments from banks and various institutions, the ongoing passive revenue streams make these profitable businesses at 11-14% on average. The perceived hassle of switching is high, thus most retain customers for long periods of time and promote/receive referrals regularly.

10. Online business, small deposit and lending institutions
The internet has made it possible for anyone to set up shop and sell goods or services online with little or no experience and low overheads. While there are many dud eBusinesses, the ones that are making money are doing it on a huge scale. The most profitable ones (selling services and membership continuity programs) are earning more than $0.20-0.30 cents on the dollar each year in net profit, but examples of these are few and far between. On average, the ones that sell products and/or services should enjoy 11-14% on the bottom line with no debtors, low inventory and a small investment in fixed assets. Specialised credit unions and private lenders are also enjoying profit margins of around 10-13% due to low overheads and a growing mistrust among consumers with the traditional banks.

From this list, we can draw several important conclusions. First professional services is a winner. Of the list above, 8 out of 10 business fall into the category of professional services. The core drivers of their profitability being steady demand for services(despite economic ups and downs), low overheads, high contribution margins and repeat business. Aside from law, specialized medicine, dentistry and accounting, many of these professions also enjoy relatively low barriers to entry.

More often than not, it pays to specialize. Businesses in niche areas are often able to set high prices, command high value sales with large contribution margins and generate both repeat and referral businesses. This lesson can also easily be extrapolated and applied out to traditionally difficult or low profit industries. Take for example, the restaurant business or general trades like welding or electrical services. By becoming highly specialized, these businesses can directly influence the success and viability of their enterprises.

And finally, size definitely matters. In the small to mid size sector, economies of scale in most industries kick in around $1m in revenue – and this is especially pronounced in industries that require an upfront investment in specialized fixed assets like medical equipment, manufacturing equipment and technology.

Posted in natural | Comments Off on The Most Profitable Business Sectors in 2010