Herbalife is a Trading Opportunity

Herbalife is a thriving company that has a robust business model. Over the past few decades, the organization has delivered strong financial returns to investors. Not only does the company have an expanding product line, but the company also has a solid balance sheet. Unlike most other companies, this corporation does not have a ton of corporate debt.

With the rapid growth of the business, the company represents an excellent trading opportunity. Towards the end of December, there were multiple options contracts executed related to the company. The firm has been the target of short sellers in the past. The most famous short seller was Bill Ackman. He famously predicted that the company would have a stock price worth nothing one day. He turned out to be wrong, and he had to sell all of his investment positions.

Past Issues

The organization has had some issues in the past. Multiple executives have left the company due to various problems. At one time, the product quality offered by the company declined. As prices increased, consumers were receiving fewer servings of vitamins.

A new CEO took over the business and decided to make sweeping changes. These changes required a significant financial investment. It took several years before the business was profitable, but the product upgrades helped improve the products offered to consumers.

Direct Marketing

Another reason that Herbalife has been criticized is that the company offers direct sales opportunities to people who want to make extra money. Some people have called the company a pyramid scheme because of the direct sales tactics used. Direct marketing is a legitimate way to earn additional income each month. Some people who join the program have unrealistic expectations about the monthly income they will receive.

People in impoverished nations do not have a lot of extra opportunities to make money. However, some people have criticized the company for embellishing how much a direct salesperson can earn. The new leadership team at the company decided to keep the direct sales program, but the marketing surrounding the program has drastically changed.

Investing in the Business

This company is an exciting investment opportunity for multiple reasons. The company is one of the most significant supplement manufacturers in the world. With significant buying power, the company pays a small amount for the products sold to customers. The profit margins are so high that the company can afford to spend millions of dollars on advertising each year. The advertising programs have made the company one of the most iconic brand names in the United States. With all of the international expansion, the business is now a global brand.

Investors who purchase stock in the company should be prepared for volatility. In the past year, the stock price of Herbalife nearly doubled. Any disruption in sales could cause the stock price to fall rapidly. Although some people enjoy purchasing options contracts on the stock, options are a risky way to invest in the stock market. Anyone utilizing this strategy needs to spend a lot of time researching various investment options.

Online Marketing for the Best SEO Strategies for your Digital Branding

The marketing world has changed quite a bit over the years. It has been said by some experts that the transformation was highly drastic in the past two years. Most marketing strategies are online and digital in nature. Majority of startups have adopted this mode but few get it right.


There is a vast array of options open to a digital marketing executive. However, some of these yield good returns and are effective in the long run while others are less so. If you want to save years worth of toil, trying and testing different methods to find the optimum solution, read on. The following is a list of the top SEO strategies that every startup should keep in mind.

1). Email marketing

Emails were predicted by many tech pundits to die out by the end of this decade. Surprisingly, it hasn’t and remains one of the greatest tools for garnering attention with little investment. There are also quite a few studies which say that emails generate the highest return on investment as well. All in all, it wouldn’t be wise to ignore this strategy imagining it to be dated.

There are a few things you should keep in mind when you are undertaking an email marketing campaign:

  • Subject lines should be catchy
  • Lucid language is the key
  • Optimize for mobiles
  • Use bullets


2). Social Media Marketing

Social media has been ruling the minds of youth today and hence it isn’t odd that it is used as a marketing platform by most companies. It significantly increases exposure as well as brand value.

Also, if SEO is concerned, it generates a lot of backlinks, which improves your overall search ranking in Google’s PageRank. However, it takes lots of patience and perseverance to get sizable returns.

3). Pay-Per-Click Marketing (Google AdWord)

It is a type of advertising where you pay only if a customer clicks on your ad links. It is a kind of search engine based advertising.

Pay-Per-C ads are highly focused. They help you reach the right customers at the right time.

It also has a high return on investment. Along with this, it also reveals a lot of statistics as a by-product and doesn’t make you wait for the results.

However, it has a high initial cost and requires a clever implementation to improve returns without burning out your budget.

4). Search Engine Optimization

Given the ever-increasing number of websites on the internet today, it is virtually impossible to be ranked on the first few pages of a Google search without SEO. SEO directs traffic to your website and helps improve your rank on keyword searches. This increases the trust of customers as well as brand visibility. This will directly improve your sales and exposure and earn you a loyal customer base.

However, SEO is a very dynamic and challenging concept. It is also not widely understood and everybody has their own version of ‘Best SEO Practices’. Thus, it is best to seek help from a professional SEO firm.

5). Retargeting Ads

Customers need a little more than a single ad to convince them to buy your stuff. A little nudge in the form of retargeting ads may help. Once a customer clicks on one of your ads, you insert a cookie(a JavaScript) into the customer’s browser and display ads from your website wherever he/she visits on the internet. This helps to increase your conversion rate of visitors to your site.

6). Viral Marketing

Nowadays, if you can think of a novel and weird way to market your product, you’ll probably be viral on the net. Viral marketing helps businesses rise meteorically. However, it is rare to find an example of sustained success due to viral marketing. But if your ploy is brilliant enough, it wouldn’t need much investment and you can spend the rest of the allocated budget on something useful, which would help earn revenue and keep a loyal customer base.

The challenges faced by modern startups may seem insurmountable because of the fierce competition they face in today’s business world. However, following these strategies may help give you an edge over the others and get you greater revenues and returns for lower amounts of initial capital investment. Article contributed by Hari babu from TechAriz!

3 Financial Considerations That Affect Your Kids During A Divorce

3 Financial Considerations That Affect Your Kids During A Divorce

Going through a divorce will affect everyone in your family, especially young children. The impact on children is both emotional and financial. After a divorce, it’s normal for both parents to downsize their life and make decisions to make do with less. The following financial decisions are often necessary, yet they could significantly impact your children:

1. Moving to a cheaper house or apartment

After a divorce, your income will take a dive, and you’ll need to downgrade your living arrangements. Without the luxury of a combined income, you may not be able to uphold your child’s familiar standard of living. To a child, downsizing their lifestyle can be extremely upsetting, and not for the same reasons an adult might be upset. For adults, it’s usually about status and image. For kids, it’s about familiarity and routine.

Unlike adults, young children sometimes don’t adapt quickly to changes in their routine. This is especially true of kids on the autism spectrum. For kids on the spectrum, change creates anxiety and stress. Even kids who aren’t on the spectrum often suffer when their routine is drastically changed.

Moving disrupts a child’s routine

Moving disrupts a child’s routine by taking them away from friends, extended family members, and sometimes their school. That’s why primary caregivers can’t just pack up and move far away when they’ve got an existing custody arrangement. However, in 1996, in Gordon v. Goertz, Canada’s Supreme Court decided the primary caregiver can move provided they’ve got a good reason, and are willing to accommodate the access parent. Finding an affordable place to live after a divorce might be reason enough. Still, you can’t escape the disruption in routine.

For example, say your child grew up in a 6-bedroom, 5,000 square-foot home with a three-car garage, a large laundry room, upgraded kitchen appliances, and an entertainment room. Moving into a two-bedroom apartment will be a shock to their system because it will force them to reorient their entire life.

For instance, they’ll have to develop a new routine for doing laundry in a community area and navigate the complexities of waiting for machines and dealing with other people. It’s a good learning experience, but it’s also a source of stress.

Pay attention to what kind of change affects your kids the most. When you look for a new place to live, accommodate your child’s needs as much as possible. For example, if your child needs their own room to feel secure, find a place that will give them their own space with a door. If your child has a fear of heights, look for a bottom floor apartment. If your child feels better with a pet, find a pet-friendly apartment or look into getting a service animal if your child qualifies.

2. Changing jobs

Changing jobs isn’t just about getting a bigger paycheck. Sometimes changing jobs is a logistics decision. For instance, if you move fifteen miles further from your job, you might need to change jobs to reduce your commute. Do you really want to wake up at 3am to beat the traffic to a job you don’t start until 7am? Probably not.

A new job might come with a smaller paycheck, and that means less cash for your child’s extracurricular hobbies like dance, karate, ballet, soccer, etc.

If your new job is in retail, expect to work some or all holidays. Parents who work holidays is already a source of stress for children. Hopefully, the holidays are far enough away that your child will have time to adjust to their new life before having to worry about where you’ll be for Christmas.

3. Taking on multiple jobs

Like changing jobs, taking on two or three jobs to make ends meet will impact your kids. If you work multiple jobs in the same day, your kids won’t see you as often. You’ll have to hand them off to a babysitter or daycare center, and you’ll miss out on bonding time.

When they’re older, they’ll understand you did it to give them a good life.

4. Spending less on groceries

If you need to slash your food budget in half or more, your kids are going to notice. For instance, if your kids are used to three-course meals, they’re going to be upset when spaghetti is on the menu four nights a week.

Use the opportunity to teach your kids

No matter your financial situation, use the opportunity to teach your kids about money. Teach them to save, invest, and make wise financial decisions. They’ll thank you for it later.

Choosing the best accountant for your business

There are a number of small businesses that attempt to do each and everything by themselves. This is not at all a recommendable approach. The team should be divided into different expertise and professionals who have a dedicated thing to do.

Accountants must be part of the team that would be responsible to address the accounting needs and preferences of the specific company. It is imperative to hire competent professionals like Accountant Melbourne to get the work done in a professional manner.

However, choosing the right service is a difficult task. Here are some things to take into account:


  • Professional qualifications


Accounting is a technical area. It is not an easy area to practice. This is why you need to hire a professional who has good qualifications in the field. There are several firms out there that will provide services that are run by accountants who have professional qualifications. They are used to work within a code of ethics which makes them more disciplined and organized.


  • Recommendations


It is always helpful to rely on word of mouth. You can ask from your colleagues and other professionals to get a detailed idea about the different accountants in the market. Read reviews on the Internet about different accounting firms. Having a detailed insight into the practical experience can help in making the right decisions. In a nutshell, you can rely on different recommendations to make a more well-informed decision.


  • Cost of services


Accountants would vary a lot in price range. Each accountant will charge depending on the expertise, experience, qualifications and the workload. Better the experience and competence, more expensive the accounting firm tends to be. However, you do not need to rely on the price solely. The first and foremost factor must be the quality of service being provided. Then take into account the costs and form your budget accordingly. Moreover, also inquire into how the fees is being charged and in what form.


  • Experience


Expertise and knowledge is not everything you must look forward to. Experience is perhaps the most important factor that will help you to make a well-informed decision. There are several experienced accountants in the market. It is recommendable to choose a team or an individual who has sufficient experience in the field. This is how he/she will be able to meet the needs of your business. Get to know which clients the accountant has worked with. This will reflect the quality of experience gained by the accountant.


  • Interpersonal skills


Accountants must be good at the core accounting skills. However, in this competitive day and age, it is not enough for them to acquire only the hard skills. Soft skills are equally important. Accountant must have good interpersonal skills such as communication and analytical abilities.

Choosing an accountant is not an easy task. However, above are some factors to make a better decision. Even though it is not an exhaustive list, here are some of the essential aspects.

Top 5 myths of accounting career

One of the foundational operations of each and every business is accounting. Accounts play an imperative role within a company which determines it success in many ways. This is why businesses need to hire good teams like Accountant Brisbane to ensure optimal operations.

The growing demand of accountants is the one of the reasons why more individuals are heading towards this field. Every year millions of accountants come into the market looking for jobs. However, there some students change the field due to a number of misconceptions, and to be more precise, myths. Here are the top 5 myths within the accounting career:


  • Mathematics is the base


This is not true. Accounting does not equate to mathematics. There is a difference between both the subjects. Even though both of them require you to be with good with numbers, there are significant differences between both the fields. So if you are planning to drop accounting pathway due to your weaknesses in mathematics, then do not. The role of accountants is more towards analysis and investigation.


  • Accounts is boring


One of the reasons why people divert from this interesting field is the misconception of it being dull and boring. Some say that it suits more introvert personalities. This is not the case at all. In fact, accounts is an interesting field with a room for experimentation. Many successful people who choose accounting move on to interesting career options due to their prior development of analytical, problem solving and communication skills. The job is not at all boring.


  • You will be restricted to computers


There is no doubt to the fact that accounting involves a lot of computing but it is not the only thing you are required to do. There is a lot more to accounts than computers. The daily lives are not only based on sitting at desks and just crunching numbers. The role of accountants is changing gradually due to the advancement in technology. A whole area is related to meeting clients and reaching their needs and objectives.


  • Accounting suits only men


This is a clear-cut misconception that accounting is only for men. This not true at all, especially in this day and age. Even though the gender gap is yet to be closed completely, it is definitely getting closer in the field of accounting. Studies and statistics have shown that more and more women are now getting involved in the accounting field which seems to be a positive indicator for women.


  • Accounts will be replaced by robots


This is another misconception that has restricted many interest students to opt for this field. Even though automation is at its peak and robots are becoming a norm, it is a clear myth that robots will take over the field entirely. The accounting role is getting transformed rather than simply replacing humans. The demand is going nowhere soon. However, the field tends to get more competitive and students need to work harder and smarter.

3 Tips to Increase Your Home Value for Reselling

Whether you are a new homeowner or a seasoned vet, increasing your home’s value is a no brainer. There are several improvements you can make that will attract buyers like honey when it comes time to sell your current property. Check out these quick tips for increasing your home’s value and come up with a plan for renovations that include some items from the list. Start with a plan for the home value you want to achieve. Then meet with a professional home inspector to determine the value of your home as it stands. Finally, consider the cost of these upgrades and whether or not they will bring significant value to your home.

  1. Heated Floors

Heated floors are by far one of the best upgrades you can give your home regarding finding a buyer for it later. Buyers love to hear a home has heated floors because that means the home is a comfortable space to enjoy. Heated floors add more value to homes that are located in harsh winter environments. If one of the reasons you’re considering selling your home is because you hate winter, consider this upgrade for yourself. It might just make you fall in love with your house all over again.

  1. Home Elevator

For the aging baby boomer populace, living in comfort often means limiting themselves to a single-story home. That’s not always feasible, which is why the home lift business is booming. Home lifts are not the clunky elevators from the 80s that you’re picturing. Most modern residential elevators are custom designed and modular so that they can be moved. Pneumatic lifts like the elevators featured in The Jetsons are now a reality, too. They’re a bit more expensive than the traditional lift, but their quiet operation and ease of use makes them a very attractive option for homeowners. Home elevators add value to a home by making the upper floors of the home easier to access. A home lift makes moving furniture and accessing the upper floors a breeze. Baby boomers who refuse to live in multi-story homes because of those awful chairlifts will want to speak with a lift professional today.

  1. Upgrade Your Kitchen

If you have to choose just one house in your home to remodel to increase its value, choose the kitchen. The kitchen is an integral part of any home that sees use day after day. Prospective buyers will appreciate a modern, updated kitchen with new appliances. The cost for updating your kitchen might be minimal depending on how old your home is. Consult with a professional designer or contractor to determine your options.

As you can see, there are many additions you can make to your house to make it more valuable. These upgrades may even make you want to keep your home once they’re finished, if you were considering selling in the first place. While kitchen improvements are a sure-fire way to add value to any home, you can also consider looking at upgrading the bathroom, too, depending on your budget.

Main Financial Tips Millennials Have To Know

It is a common theme among millennials to feel overwhelmed when it comes to finances. Getting the most out of personal finances is not at all easy to do. Financial literacy is something that is not taught in most schools. It should be no surprise to notice that most millennials have no idea how to properly manage finances. When they get out of college, real life can be daunting.

Millennials are now at a point in time when major financial decisions are right around the corner. This includes long-term investment and home ownership. If you fall into this category, you need to remember the following financial tips that will do wonders in making you more financially sound.

Take An Online Financial Course

Is it time to work with Summit Gutter Systems Denver to get some work done or should you wait until you have more money available? Making such a decision is so much simpler when you know how to manage your finances. This is where an online financial course can do wonders. Some basic courses in accounting, economics and numerous other financial topics are going to help you much more than what you imagine right now.

Embrace Suitable Technology

There is surely an app out there that will make it a lot easier for you to manage your finances. Look for one that allows you to categorize spending habits so you have a full glimpse into what is happening with your money. Getting insights is vital to saving money every single month. It can also help you to see how much you can save when the month is over. If you do not want to use a smartphone app, at least use an online financial app.

Examine Bank Accounts

Most millennials pay numerous fees every single month and they have no idea what they are for. You can avoid most of them if you know how to. Start with your bank accounts. See if there are some fees that you pay. Minimum balance and maintenance fees should never actually be a fee that appears on account statements. You can consider free checking accounts, especially those offered by credit unions.

Build Credit And Credit Score

Many millennials only have a credit card or a student loan on the credit report. Even so, it is never too late to start building credit. Look if there is a special credit builder loan available at a credit union in order to jumpstart credit building. In the event that there are active loans in place, make monthly payments at the right time.

Really good credit history is going to be needed in the future, for when you make larger purchases, like renting an apartment, buying a car or getting a home mortgage.

Tactically Repay Debt

The last thing that should be remembered is that it is possible you have a credit card that has a high-interest rate. If this is the case, it is the very first debt you need to pay. Strategically manage your debt so that you can end up paying less and less every month while quickly reducing your overall debt.

Marketing Tips for Personal Injury Attorneys

If someone has been injured in an accident that was not their fault, they are usually entitled to claim compensation. However, there is quite a large percentage of innocent accident victims who never make a claim, the two main reasons cited being that they were not aware they could make a claim, and concerns over the cost of paying an attorney. Personal injury attorneys can help redress these two problems by making sure more people are aware of the facts, and this could be done through clever marketing.

Making Their Website Responsive

Personal injury attorneys need to make sure that their website is responsive to all devices so that even someone searching on their mobile will get the results they need. Using the old method of one website for PCs and one for mobiles no longer works; users need to be able to access the same information no matter which type of device they are viewing on.

For some innocent accident victims searching for information, finding out that if they use a personal injury attorney such as Rees Law Firm they will not have to find huge upfront fees can be such a relief that they will then consider making a compensation claim.

Having a Good SEO Strategy

Content that people are interested in is very important, but so is having keywords that will help with the firm’s search engine optimization (SEO). The old saying coined by Bill Gates many years ago, ‘content is king’ still stands today, and written content is just one of the things that search engines consider when deciding on rankings. New technology also means they can now take account of images and videos, so making sure they are top quality too is just as vital.

Personal injury attorneys, just like any other business, want to be as high up the rankings as possible and to achieve a good spot, they need a good SEO strategy in place.

Reaching Out with Social Media

One of the best ways to get information into the public domain is through social media platforms. If a personal injury attorney uses Facebook, Twitter, LinkedIn, Instagram or any other social media platform, they are more or less guaranteed that there is the potential for millions of people to see their services. For many of the users, it will be the first time they become aware of being able to claim compensation after an accident, but as long as they were injured no more than two years before they see the post, they may still be able to make a claim.

If personal injury attorneys market their brand and get the information in places where it is readily accessible, more people will be aware of their ability to make a claim, and others will claim when they realize they do not have to pay huge sums of money for the work to be started. Then hopefully, there will be fewer innocent accident victims suffering from the dire financial problems that an accident can create.

How Positive Thinking Has Changed My Life

Although it has become something of a cliché, I staunchly believe in the power of positive
thinking. As a business leader who has spent more than two decades with National Bank, I have
come to realize how important recognition is and, at the same time, how invaluable
encouragement and positive reinforcement can be. Negativity does not work.

They are also excellent tools to help manage people, and in my charitable endeavors, to
support teams and individuals contributing their valuable time. In addition, a positive attitude
can create encouraging results, both in corporations and at charity events.

Brian Tracy — a widely acclaimed best-selling author who penned Believe it to Achieve It and
Change Your Thinking Change Your Life — admits that the idea that your mind can change your
world seems too good to be true. But Tracy, who calls the power of positive thinking
“remarkable,” adds that he has personally experienced and has witnessed the good that
focusing on the positive can bring.

Tracy says that healthy, happy people spend their time thinking about what they want and how
to get it.  “In this way, developing a positive attitude can truly change your entire life,” Tracy says on his

For myself, success in my responsibilities at National Bank has come a mixture of hard work,
dedication and loyalty. But, I also credit what I do outside the office to creating a balanced
framework and state of mind that allows me to succeed in the office.

For example, I chaired the 2018 Right To Play Heroes Gala honouring Louis Vachon (National
Bank’s CEO), while raising a record-breaking $2.8 million for the organization. Charity work and
community participation are a huge part of our culture at National Bank.

On top of that, I’m involved with Scotiabank Road Hockey to Conquer Cancer, which has raised
more than $18 million for research at the Princess Margaret Cancer Centre in Toronto since it
was launched in 2011. This particularly cause is very important to me because I am a cancer
survivor who received treatment at the centre.

Charitable giving is about more than just raising money. It’s a way of showing gratitude to your
community. If you believe a cause is worthy of your support, do all you can to provide that

A Merchant’s Guide to E-Commerce Fraud Prevention

Is there anyone out there who doesn’t love online shopping? Now, you can purchase everything from your favorite shoes to your weekly groceries without ever having to leave the house. But while we seem to be growing lazier by the day, online fraudsters are only getting more active. In fact, studies show that e-commerce fraud is growing more rapidly than e-commerce sales, itself. According to a report by information services company, Experian, attacks in the U.S rose 30% in the year 2017. That’s two times faster than the growth rate of consumer sales in that same year.

There are a few explanations for this phenomenon. For one, the large-scale data breaches we have seen on the news all too much as of late. Exposed data has made personal information more accessible than ever before, making entry into users’ online accounts a breeze. Another cause? The smart phones we know and love. According to Adam Rogas, CEO of fraud prevention company, NS8, the Internet of Things (IoT) has created more points of entry and more opportunities for fraudsters to leverage this power. He adds, “With global ecommerce growing rapidly, particularly on mobile devices, merchants will need to embrace the use of third-party data and automated verification tools to score users and session data.”

E-Commerce Fraud Defined

E-commerce fraud, also known as purchase fraud occurs when a criminal carries out a transaction on a fraudulent basis, whether that involves a stolen or inauthentic credit card. Identity theft and synthetic identity fraud account for the majority of fraud losses. Identity theft is quite self-explanatory. Synthetic identity fraud, however, gets a little more complicated. Fraudsters are going as far as to create entirely new identities. Stringing together bits and pieces of information from a fictitious name to a minor’s social security number, criminals are creating fraudulent accounts and going unnoticed. When it comes down to it, e-commerce fraud affects everyone. Not only does it target other individuals’ identities, it leaves merchants without pay for those sales as well. This year, the cost to retailers has been approximated at $2.94 for each dollar of fraud loss. It will continue to go up if we fail to be proactive. “There will be an increased reliance on connecting pre-session data and recognizing fraud earlier in the process, rather than just verifying payments and personally identifiable information,” says Rogas.

The system of fraud prevention can get pretty tricky, especially when you consider the variety of evolving ways fraudsters are going about their business. Although, it is important to remember that you are not alone. With the right experts and a little bit of background knowledge, fraud prevention will become an intuitive and manageable aspect of your business. Here’s how to get started!

Create a Support Network

There are many companies out there that are struggling with the same security issues that you are. Some have identified new risks and are investing their time and resources into combating those issues. Whatever the risk factors may be, it is helpful to hear from peers and similar businesses to gain clarity about the subject. Attend meet up groups and begin crowd sourcing to connect with others and expand your own knowledge.

Do Your Homework

Of course, you will need to do your own research as well. Begin to educate yourself on some of the threats posed by fraud and what the consequences may be if you are not proactive. It is a constant learning process. “When starting and growing a small business, there are always going to be road bumps that present themselves. If something doesn’t go according to plan, quickly regroup and identify a better way to solve the problem the next time around,” says Rogas. To that note, businesses must continue to be vigilant, even more so than the ruthless criminals who continue to enhance their plan of attack.

Enlist an Expert

Fraud prevention requires a great deal of know-how and most businesses out there could use a little help. Luckily, companies like NS8 exist for the sole purpose of providing that expertise. By filtering out automated fraudsters from retargeting, NS8’s flagship software, NS8 Protect empowers businesses to defend themselves on multiple fronts. It also monitors site performance, alerting businesses when an issue may be negatively impacting them. “At NS8, we’re scoring everything from first click to finish, giving businesses data they need to make informed decisions. The composite scoring methodology that powers our  EQ8 Score looks at users and sessions throughout their entire customer lifecycle, giving companies the most comprehensive view they can get of the visitors to their site.”

The costs of preventing fraud are far lower than the expenses of dealing with fraud after the fact. It’s time to get active; following these steps, you’ll be on the right path.