Starting a business.

Starting a Business-How to Make Your Business Successful Part 1

Starting a business can be frustrating if you are not very much prepared. You have to know that business can be challenging, and you can become discouraged.  But know this—you can become successful! Now let’s share tips on how to make your business successful. This is the first part of a long business discussion; we will start with the first tip.   Tip 1: Organize your thoughts and ideas. Starting a business or running a business involves a lot of critical thinking. You have to put your thoughts and ideas together into something concrete and valid. First, start with a thoroughly researched Business plan or re-evaluate your business plan to conform to reality. Ask yourself what you want and what do you want to achieve? Moreso, you have to plan effectively. Define your goals and how you intend to achieve them. Study your target market, define your marketing strategies and most importantly compile your cash flow. Think about cash flows as a lubricant to lubricate your business engine, without which your business CAN NOT run effectively. You have to manage costs and cut waste. In addition, define your value proposition. What value your business will offer prospective clients? Make sure your products and services are more appealing to customers to have a competitive edge over others in the line of business. Likewise, you should consider Team Building. You could be a smart and successful entrepreneur, but you can’t be the best in all sectors. Line up a good team for your business, define talents and harness and manage them well. Don’t be too rigid to seek professional help for your business when you need it. Good financing is another fifth thing you have to think through in starting or rebranding your business. Financing is generally seen as a business’s oxygen; if it runs out, the business will often die. Line up good financing and preferably have backup capital as well. You could pretty much search for business support or partnerships from government or private agencies. You have to find out what help is available; every successful entrepreneur is never an island. You won’t know which help is out there waiting for you to seek it. Lastly, think about the long-term. As an upstart, is it quite reasonable to focus on the immediate but you have to make sure you have sufficient resources to get your business on secure footing. Do you have a production line? Think about how you can keep the production line going even when there is disruption so that it won’t bring down your business. It is advisable and reasonable not to keep all your eggs in one basket. Have enough resources to secure your business. Now, ponder on this first tip and get ready to kickstart your business. In part 2 we will discuss more tips to help you set your business in the right direction.   CONCLUSION: Do you have a business idea or want a business ideal but don’t know how to start? CONTACT NOW and let’s discuss. For additional materials Check this article.

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Charitable Writing: How to Become a Career Grant Writer by Harris Dale

If you enjoy writing, researching, and charitable causes, you might also enjoy being a grant writer. Grant writers write grant proposals for companies and non-profit organizations, helping them to obtain funding for their various projects. Looking to learn a little more about being a grant writer? Interested in becoming one yourself? This article has you covered. What Is a Grant Writer? When you hear the term “grant writer”, you likely think of someone who writes grants. This is not quite true. Grant writers don’t write grants; They write grant proposals.   Grant proposals are research documents that companies and non-profit organizations send to grant donors in an effort to secure funding. The purpose of the proposal is to convince the donor that the organization’s project is worth supporting. As such, the proposal needs to be impeccably written. Because many organizations lack the skill or wherewithal needed to write a good grant proposal, they sometimes export the task to a professional, someone who understands how grants work and how to secure them. This professional is, of course, the grant writer. Now, this isn’t to say that all grant writers work for themselves. Some organizations do employ grant writers full-time. However, the good majority of grant writers work as freelancers, offering their services to numerous companies, schools, non-profits, and other such organizations. Responsibilities of a Grant Writer While they’re known as grant writers, their responsibilities include more than just writing. The primary responsibilities of a grant writer will be reviewed below. Research Available Grants One of the biggest responsibilities of a grant writer is to research grant funding opportunities. This is done to ascertain which grants would best suit his or her clients’ projects. See, grants are typically not generalized. In most cases, they’re designed to cater to a specific sector or industry. For instance, an organization might create a grant to give to a company working in the healthcare industry. As the grant writer, you need to choose a grant which aligns with your clients’ work. If you choose a grant which doesn’t align with the work of your client, your client’s organization will have no chance of winning it. Write Proposals As we’ve noted, grant writers write grant proposals. Grant proposals are meant to follow the guidelines of grant donors. Because of this, every proposal that’s written ends up being a little different from the last. When writing, you not only need to be able to follow the provided guidelines, but you also need to be able to communicate factual information in a clear and inspiring manner. At its core, grant writing is persuasive writing. Communicate With Clients and Donors In order for a grant writer to secure grant funding, he or she must keep close communication with his or her clients as well as with prospective grant donors. Depending on the circumstances, this communication could happen either in-person, on the phone, or via email. How to Become a Grant Writer Now that you understand the responsibilities of a grant writer, you might be wondering how to become one. We’re going to get into the specifics below. Brush Up on Your Writing Skills The first step is to brush up on your writing skills. Not only must you possess impeccable grammar, but you must also be able to demonstrate a sophisticated vocabulary. Look at a few examples of grant proposals as guidelines. Study the writing style contained within them and try your best to adopt it. Take a Grant Writing Course If you’re entirely new to the grant writing process, you would be wise to take a grant writing course. A grant writing course will not only help you with the writing of grant proposals but with client communication, research, and a variety of other skills. Find a First Gig Once you think you’re ready to write a grant proposal, you need to find your first gig. This can be challenging, as it requires you to put in a good deal of leg work. However, if you put the time in, you’ll almost certainly find an organization willing to give you a chance. Starting out, your best bet is to call up or email non-profit organizations. Non-profits generally don’t have grant writers of their own, and generally don’t have a lot of money to pay one. Offer your services at a low rate (or for free), and you’re bound to snag your first gig. Market Yourself Once you’ve completed your first gig, you’ll have a better chance at landing other gigs. This is particularly true if your first gig was successful (ie. your client received a grant). That being said, if you want to land consistent work, you need to market yourself properly. Create a website for your grant writing services, establish appropriate social media pages, and continue to reach out to organizations that might need proposals. Skills Needed as a Grant Writer Grant writers require a few different skills, all of which are fairly straightforward. First and foremost, grant writers must be able to write. If your grammar or vocabulary is poor, you’re going to have a difficult time securing a grant. Secondly, you need to have solid research skills. Not only must you do research for your grant proposals, but you must also do research to discover available grants. Lastly, you need to be able to communicate, both orally and in the written word. This is not a career for shy or complacent individuals. You will have to speak with clients and donors on a regular basis. How Much Money Do Grant Writers Make? Grant writers make varying amounts of money based on a number of different factors. These factors include success rate, number of clients, type of clients, monetary rate, and manner of work, to name just a few. Entry-level grant writers generally charge between $30 and $40 an hour. However, experienced grant writers who work in big markets can charge as much as $100 an hour. If you have an especially high success rate, you can charge ever more than $100 an hour.

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3 Creative Ways to Get Writing Inspiration by Harris Dale

Poet Edith Sitwell would lie in an open coffin before beginning her writing every day. We often find our writing inspiration in the most unlikely places. Every writer, no matter how great, needs inspiration, and you can’t just sit around waiting for it. It’s an indispensable part of the writing process, and you need to find what works for you. Read on to to get some ideas on where to find your inspiration.   1. Read Regularly and With Intention This may seem obvious, but all great writers need to read. But it’s not enough to “just read.” To get the most out of your reading, read with intention, and take the time to analyze the writing. Pay attention to how the writer writes, the grammar, how they develop their characters, and even their grammar and punctuation. If you’re writing a book, take the time to observe the cover to get book cover design inspirations for your own novel. Read the author’s biography, or delve into at any artwork that might be in the book, whether it’s photography or anime drawings. Read what you love, but also try reading outside of your comfort zone.  If you’re a fiction reader, try reading some non-fiction or a comic book for a change. It’s when you try new things and experience something different that you’ll often get your best ideas. 2. Allow Time to Explore Non-Work Creative Outlets Just like all parts of our body, our creative minds and imaginations need to be exercised. Often, the best writing inspiration comes from letting ourselves be free to create beyond our regular work. Whatever helps you daydream and tap into your unconscious, do it. For many writers, writing in a daily journal or journaling about their dreams when they wake up is a fantastic outlet. Providing your mind with sustenance doesn’t have to come in the form of writing. You can try other creative endeavors like painting, cooking, working with textiles, or doodling. Anything that gets your brain turning is the perfect activity to give your imagination a boost. 3. Try Eavesdropping Numerous great writers have gained their best ideas from sitting around and listening to strangers. So the next time you’re sitting on a train, sipping on a latte in your local coffee shop, or sitting on a park bench, do a little eavesdropping. You’ll get a look into other people’s lives, hear about the challenges they’re facing w, and discover new points of view. Listening to other people’s conversations can also help writers with developing dialogue that sounds realistic and raw. If eavesdropping makes you uncomfortable, just be conscious of respecting people’s boundaries. When a couple starts speaking in hushed voices, take that as a cue that they’re talking about something personal in nature and don’t want to be overheard. Respect that. Find Your Source of Writing Inspiration Writing inspiration is all around us, but you have to go out and look for it. We hope that you can find some inspiration by utilizing these tips.

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Quality Testing Of Cosmetic Active Ingredients – What And How Are They Tested by Anil Kumar

Fashion & Cosmetics Active ingredients in cosmetics are those substances because of which these products show the results for which they have been manufactured. They are the key elements. Vitamins A and E, hyaluronic acid, Alpha-hydroxy acid, and Coenzyme Q10 are a few of the important cosmetic active ingredients. Worldwide, the sector of cosmetics is rapidly growing; more and more people are using cosmetics as a part of their daily lives. Therefore, It has become much more significant than ever before that the active ingredients are subjected to various quality tests. It’s only then that any cosmetic product will be able to yield the desired outcome. Improper/inadequate testing can also imperil the skin health of consumers. Now, it would be appropriate to succinctly elaborate upon the primary aspects related to cosmetic active ingredients quality testing. • Firstly, it must be understood that maintaining the quality of active ingredients and other substances in products is the responsibility of cosmetic manufacturers. It’s only when the manufacturers do justice to this responsibility that the end users are assured of getting quality cosmetics that take care of safety, too. • When it comes to the quality of active ingredients, the first crucial step is to thoroughly test the raw materials from which active ingredients are going to be derived. This includes physically testing the materials and then subjecting them to chemical tests. • This point is of paramount relevance to manufacturing units that procure the active ingredients from third-party suppliers. Cosmetic makers need to ensure that the suppliers have complied with all concerned regulations during the manufacture of active ingredients. Manufacturers have to carry out all pertaining procedures and tests. • Comprehensive testing has to be conducted to make sure that the active ingredients cause no harm when the skin and eyes come into contact with the ingredients. • Cosmetic manufacturers are necessitated to perform tests to make certain that active ingredients and other substances in cosmetics remain stable, irrespective of the weather. It’s pivotal that the key properties of these substances are unchanged in all kinds of climatic conditions. The products are used by consumers living in varied geographic locations; there should be no change in the curative effects. As a part of assessing this stability, the products must be made to undergo tests amidst diverse temperatures. • Microbiological testing is one more relevant procedure, concerning the quality of active ingredients. Here, the active ingredients and other elements are tested for vulnerability to pollutants like mold. These tests ascertain the extent to which there is a possibility of the cosmetics getting affected by these impurities, in everyday use. • This pattern of testing addresses another salient issue. When people start to use cosmetics, they can unintentionally pass on microorganisms to the cosmetics. The microbiological testing determines the susceptibility of the active ingredients and the overall product, in this connection. Based on the tests, the ingredients and the product can be made robust enough to remain unimpacted by these microorganisms. • Makers of cosmetics have to note that testing of active ingredients and the products is not something that is done just once or twice. It has to be an ongoing process. It is only upon fulfilling this requirement that the company will be in a position to consistently bring out quality products. Testing the active ingredients quality is a vast topic and all its points cannot be covered in a brief write-up. Yet, a sincere attempt has been made to throw light on the major points of the subject. Vinner Labs is a solution-oriented provider· We provide products of high value and specialises in the supply of functional and active ingredients for personal care, home care, hair colour, sun care products, pigments, dyes and dietary supplements including Iscotrizinol, also called as Uvasorb HEB/ Diethylhexyl Butamido Triazone· We are one of the unique players in this niche segment of specialty chemicals from India and elsewhere. We consider ourselves as value-unlockers in a variety of personal care categories including beauty care, skin care, and hair care· Vinner Labs differentiates itself by introducing newer molecules in areas of its functioning· We take immense pride in being one of the earliest to introduce functionally effective molecules in the personal care industry·

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Identifying when a Tooth Extraction Might be Necessary by LAURA JEEVES

Identifying when a Tooth Extraction Might be Necessary   Dentists use a range of different methods to treat oral health diseases. They try by all means to preserve your teeth, however, there are cases where you might need an emergency tooth extraction. NYC dentists may resort to this in the following circumstances: trauma or accidents, periodontal diseases, and overcrowding, just to mention a few.   Extraction can be performed by a general dentist and involves removing the tooth from its socket in the jawbone. Some dental conditions may arise unexpectedly and warrant emergency extraction, but maintaining good oral hygiene and attending regular check-ups with a trusted dentist can help identify problems early, in order to avoid such drastic measures.   There are clear, telltale signs that indicate whether you might need a tooth extraction or not, and this article will help you with that.   1. Severe Tooth Decay   Severe tooth decay causes damage that cannot be treated with other methods, such as dental fillings or root canal treatment. This is due to the bacteria causing infection to the pulp; at its most severe, it may cause infection to other teeth and the surrounding tissue. Removing the affected tooth as soon as possible is necessary to prevent the infection from spreading any further.   2. Overcrowding   Overcrowding is when there are too many teeth than the jaw can accommodate. Removing some of these may be necessary to create enough space between them and reduce the problem of overlap. It can also be used as a method to help realign your teeth, and this may be recommended and performed by an orthodontist.   3. After a Trauma or Accident   Sometimes trauma or accidents, such as a car collision, can cause severe damage to your teeth. Dentists will try other means before resorting to extraction – such as bridges or crowns – however, if the trauma causes damage that cannot be repaired by any other methods available, extraction is necessary.   4. Periodontal Diseases (Gum diseases)   Periodontal diseases are bacterial infections of the gums, the jaw bone, and the periodontal ligaments. In the advanced stages, this infection causes loose or wobbly teeth, leading to tooth loss. If and when they become loose and on the verge of falling out, removal is necessary.   Gingivitis, which is a very common condition in both adults and children, is an early stage of periodontal disease. Without proper oral health care and regular dental visits it may advance, causing patients to require emergency tooth extraction. NYC Health Department states that about 60% of adults are at increased risk of gingivitis due to diabetes, tobacco, and the consumption of sugary drinks.   5. Impacted Wisdom teeth   Sometimes wisdom teeth fail to come through properly or completely, causing pain and discomfort. In other cases it can cause overcrowding. Damage to other areas of your mouth may ensue, so to prevent this from happening, extraction is required to reduce the risk of infection and overcrowding.   Oral health diseases or issues discussed in this article can cause pain and discomfort, and some are even life-threatening. Only a professional practitioner can provide a clear, thorough diagnosis, and recommendation regarding the treatment that you need. It is therefore important to attend dental checkups with a regular, trusted dentist to prevent and detect diseases early and, if necessary, recommend and carry out emergency tooth extraction. NYC residents have an excellent range of professional dentists available at their disposal – so there’s no excuse for bad oral health.   Author Plate   Ellen Smythe is a Practice Manager at Smile Arts of NY, a dental office that provides the best care and advanced modern cosmetic dental procedures, including teeth whitening, porcelain crowns, veneers, Invisalign, dental implants and emergency treatments. If you need an emergency tooth extraction, NYC based Smile Arts can help for that as well. We have been helping New York City residents achieve the look and care they’ve always wanted with their state-of-the-art, affordable dental services since 2010.

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  First of all, I would like to establish who I am as I pen down this controversial mystery, I received directly from God Almighty through the gift of prophecy of the Holy Spirit. I am not a scientist, so bear with me my rough details; maybe one day, after I mature fully in Spirit fuller details will be revealed to me. I am a Christian, an apostle of Christ Jesus by the calling, gifted with abundant spiritual gifts through divine grace. I will say no more of me than this. Now, having said who I am I will proceed to tell some mysteries, controversial mysteries of this wonderful planet earth we all call our home. Controversial in the sense that I can’t prove them scientifically yet but there are branches of science that have been purporting this possibility due to myriads of strange sightings and experiences that defied the natural law of science. Now, the bombshell? You will have it right away. We humans are not the only ‘Homo Sapiens’ that live on this planet. We are the last to ever appear on earth. Older species of human-like beings have been existing before human beings first appear. God created everything, including creatures that evolved through evolution and modern humans who were ‘created in God’s image’. Yes, evolution theory has a solid point, and the story of creation also has a solid point—God Almighty produced all of them according to His pleasure. Some creatures evolved over thousands and millions of years, but modern humans were CREATED as we are! Modern humans coexisted with other humanoids (for your notification God did not categorise these human-like creatures as subspecies of human beings, it is modern science that gave names and attributed them to subspecies of modern human beings. In God’s view, they were creatures that walked the earth. They fell under the category of every living thing [according to the Bible: “And God said let the earth bring forth the LIVING CREATURE after its kinds…And God made the BEAST of the earth after his kind” Gen.1:24-25.]. All these human-like creatures fell under the category of LIVING CREATURE in God’s view, mankind is the only species God made in HIS image and named—modern science did their research and named some of these creatures as subspecies of modern humans). Unfortunately, all these human-like creatures (some of which predated modern humans by thousands and millions of years) could not survive the earth’s changes and died out, leaving modern humans to propagate and populate the earth. So, pardon evolutionists for mixing everything and denying modern humans coexisted with some evolving human-like creatures—they were just following their solid pieces of evidence. However, no one knows the actual date God created modern humans according to the story of the creation narrated in the Holy Bible. Those seven days of creation are prophetic and not literal days. A day before God is ‘like’ one thousand years before God—Paul the apostle said this in the Bible. Understand this comparison called ‘simile’ in literary diction. Apostle Paul did not say a day before God ‘IS’ a thousand years on earth but ‘LIKE’ a thousand years. A day before God could be a thousand years or a million years or a billion years on earth, no one knows for sure—except God Himself—this is quite fascinating. So, the seven days of creation in the Bible are prophetic, God’s days that could be thousands or millions or billions of years. One thing I know for sure, God created everything before the first modern humans named Adam and Eve. Other humanoid creatures were part of the creations before Adam and Eve. Some of these humanoids, by their physiques, were meant to evolve and keep evolving until the creation of modern humans in the image and likeness of God, to be in a relationship with Him (I think God was experimenting with human-like creatures before He finally decided to create a pair of humans to look like Him in image and likeness, and have dominion over everything on earth that predated them), while the other human-like creatures fizzled out slowly. This is a hard mystery and a controversial one, but it is the truth. There is the probability that the sons of Adam co-mixed with the females of some of these human-like creatures through marriage, some of them must have been at the advanced stage in their evolutionary chain to make their DNA compatible with modern humans. Remember, Adam and Eve had sinned before they mate sexually to produce children after they were driven from the Garden of Eden into the world—there were other creatures in the world before them. Sin had come into the world, and modern human pairs (Adam and Eve) were no longer pure after their disobedience in the Garden of Eden where they were created. There was no moral law back then, the sons of Adam and Eve could have mingled with other human-like creatures the Bible termed LIVING CREATURE in their advanced stage of evolution through sex or married their sisters—they had all sinned and fell short of the glory of God so no sense of prevailing morality to forbid this unholy union. In comparison, in our modern time, it is no longer new to hear or sees healthy human beings having sex with animals. This unholy union did not just start in our times, ‘there is nothing new under the sun’ according to the Bible. The ‘other people’ Cain referred to that might want to kill him after God punished him for killing his brother could be the other human-like creatures already in their advanced stage of ascent to be a possible threat to a human population just like a pride of lions could decimate a human settlement and kill every one of them. Everything I have said so far is just for our cooperate world, the physical world we live and feel on earth. There are other worlds on earth too and all of them predated the human



I have asked myself this question several times and can answer it within a blink of an eye, but never knew how I meant it until this moment. This is me below, on a hospital bed three days after the good doctor and nurses had put me back to shape (they just took the syringe drip out of my veins). Sorry, I could not bear to snap the worst pictures of myself at the worst moment of my life lying helpless on the hospital bed with all the medical machines hooked on me. Honestly, taking a selfie did not occur to me while I was battling for my life for three days. THE HABITS My habits? Oh, yeah, my habits. I hate hospitals with all my heart, I can’t bear the sight of syringes and the smell. I’m in my 30s (still single), and I’ve never been to a hospital for medical purposes for more than twenty years. The last I recall was when I was a boy of eight years or thereabout, and I screamed my might out of the hospital. I don’t fall sick (at least I thought so). Go for periodic medical check-ups? Chuck it, I don’t need it—I am super healthy. Eating a good diet? Oh, not again! Eating is my major issue; I can stay for almost 24 hours without eating any food and I will feel okay (even right now as I write I’m still thinking of what to eat and it’s almost 11 am—at least I’m generous enough on myself to have drunk a glass of water earlier). If I finally decide to eat, junk foods or snacks and a bottle of minerals are readily available to chow down. So, eating a balanced diet? What does that mean? I, for sure don’t know what it means. To be honest, I need every money I could make to survive the hyperinflation destroying my country (thanks to our super corrupted political system), so skipping food to save money is a good business and I am good at it. At least I could pay my ever-increasing bills and the cost of living—I need a lesson in prioritizing the essentials.   I’m a hardworking dude; I worked harder for the little income I earned monthly. I worked in the rain and the sun; I trekked for hours on daily basis to save the cost of transportation, most often on empty stomach and I felt cool with these habits. If I feel feverish, I self-medicate with over-the-counter drugs to save hospital bills. I never knew my body was keeping tabs on my shit until it told me, “Enough dude! Down you go.” Indeed, I went down, it was so surreal! My strength left me completely, I could not walk, could not eat (when it dawned on me, I desperately have to eat quickly), and even my voice sounded like the voice of a stranger talking in me. It was not funny at all but terrifying! I have heard about people collapsing, now I experienced it thrice! It was as if someone cast a spell on me. Everybody’s face around me turned to double, darkness clouded my eyes and stars (what appeared like little stars) began to dazzle me, people gathered around me speaking but I could hear not a single sound! I spoke back too but could not hear the sound of my voice! This was so terrifying. All I knew at that moment was my inner voice pleading “Jesus, please save me, save me”. Jesus indeed saved me when I landed on a hospital bed, and I believe He would want me to take good healthy habits seriously. This was the worst moment of my life, and it was so terrifying. I realised that death is never far away from us, and to die is so easy. Doctors found, among others: typhoid high, malaria very high, a stomach ulcer has set in, and worst of all low blood pressure—they said no food in my blood system. Wow, I never knew not eating could be a problem. For the first time in my life, in the month of September 2022 AD, I found myself in a hospital and spent three days getting my life back. The doctor was kind and the nurses super friendly—they even force-fed me. Now, what’s most important in life than ‘LIFE’ itself? Yes, your life is the most important in life, cherish it dearly while you still have it because it does not have a duplicate. Don’t damage your health, PLEASE I BEG YOU. I know my medical case was almost a self-inflicted one and ‘trivial’, and I feel deeply sad for those with serious medical cases. The main point is ‘ANYTHING’ can kill a man! Life is so fragile. Stay healthy everyone.   (18th/12/2022)   ADMIN NOTIFICIATION:  CLICK HERE FOR MORE ARTICLES Donate to T-Writers Group. Your generous donations will help to keep this blog running effectively. Also, you will earn an ad space spot. Help encourage young writers with your donations. CLICK THE ICON BELOW



Introduction It is not financially advisable to overdraft your credit card but sometimes it does happen. Having a credit card to cover your expenses in this scenario could come as a reprieve. However, there is a limit to how much you can overdraft on your credit card; every financial services provider or institution set a limit, which is prudent for you not to attempt overreaching. Just stick to your credit budget; you will do fine by spending wisely. Costco Company’s credit card issued by Citi Visa has a credit limit, starting from $250 to $5000 at most. You can call this a raise, which is rightly so. However, you can request for a raise in credit limit on your credit card, provided you have a record of accomplishment of prompt re-payment, good transactions, no default payment and so on. Costco Company Costco® is also known as Costco Wholesale Corporation. It is an American Wholesale Club or Warehouse Club that operates retail stores. These chains of stores sell merchandise products at discounted prices to club members. The club members are registered paid members who have to renew their membership yearly at the same fees. Costco® headquarters are located at Issaquah in Washington Costco Wholesale Corporation was founded in 1983. The company sells huge quantities of supermarket items and luxurious goods. Besides operating retail stores, some of these stores also have ancillary businesses that trade in other products and services. Costco Wholesale Corporation has more than 800 stores spread all over the world. The company has more than five hundred stores alone in the United States. It has locations too in countries such as Mexico, Japan, Canada and China. The company also has subsidiaries such as Costco Travel and Kirkland. Costco credit card Costco Company makes use of a Visa® credit card that is issued by Citibank. The card is used anywhere in the world where a Visa® card is acceptable. Two types of credit cards exist for Costco members: The Costco Anywhere Visa® Card and Costco Anywhere Visa® Business Card. On both cards Costco Anywhere Visa® Business Card and Costco Anywhere Visa® Card you get to enjoy Costco Cash Rewards when you purchase with your account. You will get 4% cash back on a gas you purchase at eligible stations worldwide that amounts up to $7,000 in the first year, thereafter the percentage will drop to 1% yearly. You will get 3% cash back on shopping at restaurants eligible for the benefit anywhere worldwide. You get to benefit from 2% cash back on anything you purchase in Costco retail stores and on Lastly, you will benefit from 1 % cash back on every purchase you make at non-eligible stores worldwide using your Costco Visa® Credit Card. Costco will issue you a benefit certificate yearly with which you can make a purchase or redeem cash. Costco raise credit limit A credit card limit is an amount the card provider or the issuing bank is willing to borrow from the credit card user. It is the maximum amount made available for the card user to use on the credit card. The main purpose of the limit is to keep the user from spending beyond his or her means. Nevertheless, the limit could be frustrating and drag down the user, especially in times of emergency. Costco Visa®’s credit limit is set at $250 minimum with a likely raise up to $5,000 provided the card user has a clean debt re-payment record, good transactions history and acceptable credit scores. Visa® Credit Card Limit Raise A limit on your Costco Visa® credit card could be frustrating, luckily the company made provision for further raise should you request for it—you have to be eligible or else the request will get turned down. Your eligibility is tied to your income record, prompt debt repayment track, transactions history and total credit scores.  Your credit card could receive a limit raise anywhere between $5,000 and $10,000. Costco® did not give full details on how to request for credit card limit increase; nevertheless, your account must be at least six months old with good track records of transaction and payment history. Three ways you can request for credit limit increase Membership Account: You have the option to request a credit limit increase in your membership account online. Email Address: You can request an email message. Send your request message to Costco email and follow up. Phone Call: Call the Costco service line to speak with their agent and promptly follow all the requirements to get an increase in your credit card limit.   Conclusion Costco® Warehouse Clubs is a reputable company based in the United States. The company operates over eight hundred retail stores across the countries and more retail stores in other countries. The retail stores sell supermarket items, luxurious products and other merchandise to membership-only customers who make use of Visa® credit card issued by Citibank to make purchases either online on or at Costco stores. The Visa® credit card has a minimum limit that can be raised automatically or per the request of the credit card user. To get a raise the user can make a direct request either online, by email address or by direct phone call. it is highly expected of the user to have a track record of credit transactions, re-payment history and viable income to be able to get an increase beyond the limit placed on the card. FAQ Will I get a credit card limit increase if I request it? Ans: Probably yes, you will, as long as you don’t have a history of default re-payment, bad transaction record and so on. What is the maximum limit I can get? Ans: The maximum is capped at $10,000. However, there are cases of users capping more than this amount. The decision lies with Costco® base on your transaction history. PLEASE MAKE A DONATION:



Introduction Women’s anatomy is more complex than average women know—science backs up this fact. Every woman’s body is unique in her way so each need is different, and at times could be delicate. How this delicate need is meant varies from one woman to the other. Mentor® Breast Implant caters to these special needs with sophisticated products, backed by a recall policy that guaranteed these products. Should the company detect a defect in a specific implant they will issue a recall, citing the serial number of the particular implant in need of the recall.   Breast Implant in women Nature has sculpted women’s bodies according to each woman’s genetic makeup. However, there are times science has to step in and augment through the special implant and bodily enhancement to achieve the desired results. Why these implants take place could be a matter of personal preference; more likely a matter of medical necessity—in the case of a single or double mastectomy. Breast implant occurs more often than other implants in women. It is a surgical procedure performed on women to augment the natural breast or simply to replace it. Reasons for this procedure differ. It could be due to medical necessity or just bodily enhancement. What is a breast implant? A breast implant is a prosthesis (a device) that is used to change a person’s breast (size, shape, contour etc.) it is used to enlarge the appearance of the breast—majorly used in women. Breast implant occurs more than other cosmetic implants in women. The procedure is technically called breast augmentation or mammoplasty, which is augmenting a woman’s breast with implants. The reasons could be any or a couple of the following: Correction of surgery: Surgery could leave the woman’s breasts out of proportion. Surgery such as mastectomy (total removal of the breast due to cancer) can leave a woman without natural breasts. A need for breast augmentation with implants can be used to correct this body contour and give the breasts a natural look. Need for bigger breasts: Some women undergo a surgical procedure to have breast implants to increase the size of their natural breasts. Self-image: It is a known fact that most women, if not all women attached importance to how they look (especially to certain parts of their body). Some opted for breast implants to boost their self-confidence regarding the shape, size and contour of their breasts. Weight loss: Losing weight could reduce the size, shape and contour of a woman’s breasts considerably or make them saggy. So, some of these women opted for implants to reshape and resize their breasts to their desired form. Ageing breasts: Women will age, just like everyone else and likewise their breasts. Some women in this category opted for implants to mould their ageing breasts into looking youthful. After pregnancy: Childbirth will impart the size, shape and contour of a woman’s breasts. Some of them who felt the need to correct their breasts opted for implants after childbirth. Risks to breast implants Like many surgical procedures, there are risks involved in breast implants. Breast augmentation risks include: Breast pain Chest pain; breast infection; sensation in the breasts and nipples Possibility of implant rupture or leakage Capsular contracture (scar tissue that affects the shape of the implant) Most of these risks will need further surgery to either correct, remove or replace the implants. Facts about breast implants Breast implants would never prevent your breasts from sagging. A breast lift can be recommended to augment breast implants. Breast implants will not last a lifetime. The medium life span of a breast implant is 10 years. No matter whether the implants or breasts lift, a woman’s breasts will continue to age. Weight gain and weight loss too will affect the breasts’ size, shape and contour. Breastfeeding could become very difficult after breast implant. A breast implant is quite expensive. Insurance companies do not cover breasts implant because it is cosmetic surgery, except in the case of medical purposes such as mastectomy. More surgeries will be required after an implant to either remove, correct or replace it. Screening for rupture or leakage is highly recommended. Implants such as silicone need routine MRI to check for rupture. Mentor® Breast Implant This is part of the Johnson & Johnson group of companies founded in 1969. The company is into breast aesthetics. It has been a producer of serialized breast implants, producing high-quality, science-based, long-lasting implants for women’s breasts. Mentor® Products are:    Mentor® MemoryGel® Breast Implants Mentor® CPGTM Gel Breast Implants Mentor® SPECTRUMTM Adjustable Saline Breast Implants Mentor® Saline Breast Implants IMPLANT SERIAL NUMBER RECALL Products can fail, either instantly or over the years. Mentor® offers protection for their products such as: Free lifetime replacement if your implant rupture. Up to €1000, financial assistance to cover part of your surgical expenses should your implant rupture. Mentor® will replace the product free in case of capsular contracture, double capsule and late-stage seroma. Mentor® will provide a free contralateral implant if your surgeon required it. Mentor® will automatically enrol you in the Mentor® Promise Protection Plan. Implant recall could happen. It happened on 30th September 2021. Health Canada initiated the Mentor® Breast Implant serial number recall with the product serialized RA-76671. Mentor® recalled the product because of a structural defect that caused deflation. Should you ever get a recall it is recommended that you contact Mentor® for the details required to make a claim. Conclusion: Mentor® Breast Implant serial recall is the medical recall of a product due to likely structural default. FAQ What should I do if my implant is ruptured? Ans: Contact your surgeon and book an emergency appointment. The surgeon will give you the best advice. Can I claim benefits for my ruptured implant? Ans: Contact Mentor® and lay your complaint to get the best options.   PLEASE MAKE A DONATION:


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