Maximizing the Benefits of Nutritional Vitamins and Herbal Supplements
Nutritional vitamins and herbal supplements are just one of the many types of dietary supplements available in the market. Dietary supplements include vitamin or herbal extractions as part of their ingredients. Like other supplements, nutritional vitamins and herbal supplements come in pill, gel capsule, liquid, or powder forms.Getting the most out of supplementsAs the consumption of nutritional vitamins and herbal supplements increase, more studies dedicated to maximizing its benefits to the body are being conducted. The formula is simple: Dietary supplements must complement your diet. They should not overpower, cancel, or take away from the nutrients that your body absorbs from your natural diet.Below are some tips collated from these different studies. They should help you maximize the performance of the nutritional vitamins and herbal supplements you take.1. Excessive supplements can harm you.Even though nutritional vitamins and herbal supplements contribute to a healthy lifestyle, taking too much of them can be dangerous. This is because supplements can be likened to drugs in that they are also reactive to other elements present inside the body.For instance, too much iron may increase your chances of getting iron overload. Excess iron may builds up in tissues of your vital organs (such as your liver or heart). This overload is a chronic disease that when left untreated may lead to hemochromatosis, which is potentially deadly.Unless your doctor prescribes that you need an excess amount of a certain nutrient for a certain medical condition, it is still best to just take the Recommended Dietary Allowance (RDA). No previous studies or data can prove that taking more nutritional vitamin and herbal supplements than what set in the RDA has beneficial effects.2. Natural does not mean safe.Claims that nutritional vitamins and herbal supplements are safer because they are natural are very misleading. Never buy supplements just because the manufacturer says that they are ‘natural.’Some plants are toxic in nature and can be harmful or deadly for human consumption. For example, the herb ephedra was pulled out of the market after it was linked to the death of a famous athlete. Play it safe and ask your doctor.3. Supplement does not mean substitute.While it is true that nutritional vitamins and herbal supplements can greatly help you get and maintain the recommended nutrients you need for a healthy lifestyle, it is wrong to look at supplements as substitutes for the natural sources of vitamins and nutrients. Maintain a healthy and balanced diet and just use supplements to fill your nutrition gaps.4. Ask for professional help.Because of the risks posed by harmful combinations of nutritional vitamins and herbal supplements and medications, it is best to seek the advice of a doctor or a herbal medicine expert before taking any. Remember that nutritional vitamins and herbal supplements do not work the same way for different people – what works for your neighbor may be harmful to you. Your doctor should evaluate your overall health condition and then diagnose the correct and most potent variety of nutritional vitamins and herbal supplements for you.5. Be sure your supplement is safe. Buy only supplements from manufacturers that are pharmaceutical GMP compliant. These manufacturers have passed the most stringent manufacturing standards, so you can be sure that their products are free of harmful contaminants and contain the exact volume of nutrients you pay for.
Factoring Vs A-R Financing – What’s the Difference?
In today’s tight credit environment, more and more businesses are having to turn to alternative and non-bank financing options to access the capital they need to keep the gears of their business running smoothly.There are a number of different tools available to owners of cash-strapped businesses in search of financing, but two of the main ones are factoring and accounts receivable (A/R) financing. Sometimes, business owners lump these two options together in their minds, but in reality, there are a few slight differences that result in these being different financing products.Factoring vs. A/R Financing: A ComparisonFactoring is the outright purchase of a business’ outstanding accounts receivable by a commercial finance company, or “factor.” Typically, the factor will advance the business between 70 and 90 percent of the value of the receivable at the time of purchase; the balance, less the factoring fee, is released when the invoice is collected. The factoring fee-which is based on the total face value of the invoice, not the percentage advanced-typically ranges from 1.5-5.5 percent, depending on such factors as the collection risk and how many days the funds are in use.Under a factoring contract, the business can usually pick and choose which invoices to sell to the factor-it’s not usually an all-or-nothing scenario. Once it purchases an invoice, the factor manages the receivable until it is paid. The factor will essentially become the business’ defacto credit manager and A/R department, performing credit checks, analyzing credit reports, and mailing and documenting invoices and payments.A/R financing, meanwhile, is more like a traditional bank loan, but with some key differences. While bank loans may be secured by different kinds of collateral including plant and equipment, real estate and/or the personal assets of the business owner, A/R financing is backed strictly by a pledge of the business’ assets associated with the accounts receivable to the finance company.Under an A/R financing arrangement, a borrowing base of 70 to 90 percent of the qualified receivables is established at each draw against which the business can borrow money. A collateral management fee (typically 1-2 percent) is charged against the outstanding amount and when money is advanced, interest is assessed only on the amount of money actually borrowed. Typically, in order to count toward the borrowing base, an invoice must be less than 90 days old and the underlying business must be deemed creditworthy by the finance company. Other conditions may also apply.Features and BenefitsAs you can see, comparing factoring and A/R financing is kind of tricky. One is actually a loan, while the other is the sale of an asset (invoices or receivables) to a third party. However, they act very similarly. Here are the main features of each to consider before you decide which one is the best fit for your company:Factoring:· Offers more flexibility than A/R financing because businesses can pick and choose which invoices to sell to the factor.· Is fairly easy to qualify for. Ideal for newer and financially challenged companies.· Simple fee structure helps the company track total costs on an invoice-by-invoice basis.A/R financing:· Is usually less expensive than factoring.· Tends to be easier to transition from A/R financing to a traditional bank line of credit when the company becomes bankable again.· Offers less flexibility than factoring because the business must submit all of its accounts receivable to the finance company as collateral.· Businesses will typically need a minimum of $75,000 a month in sales to qualify for A/R financing, so it may not be available for very small companies.Transitional Sources of FinancingBoth factoring and A/R financing are usually considered to be transitional sources of financing that can carry a business through a time when it does not qualify for traditional bank financing.After a period typically ranging from 12-24 months, companies are often able to repair their financial statements and become bankable once again. In some industries, however, companies continue to factor their invoices indefinitely-trucking is an example of an industry that relies heavily on factoring to keep its cash flowing.