Weighted Average Cost Of Capital (wacc) A New Tool For Better Investment Decision Making

When making investment decisions, the risk level of the investment should always be compared against the expected return. The challenge in this process is evaluating the riskiness of the company being investigated. One tool often used by financial analysts is the Weighted Average Cost of Capital.

The WACC is defined as the expected rate of return from a company’s investments, weighted by the proportion of each to the overall capital structure. The capital, such as common and preferred stock, along with the expected return from the capital is considered, along with any debt, and the cost of that debt. The two figures are then weighted by their proportion to the overall capital, to come up with a single number.

A weighted average cost of capital (WACC) calculation is complex. Outsiders may need help calculating one on their own. To help, there are free WACC discount rate calculations available. Different calculations may come to different conclusions, but they should generally agree.

A WACC cost of capital calculation is best when used to make investment decisions. Low WACC calculations assume there are low debt and equity costs. Debt cost less for companies in good financial health and favorable credit markets. Equity cost more for volatile companies in volatile stock markets. Equity investors usually require higher returns than do debt holders. Low WACC estimates mean a company is generally less risky, but riskiness is related to expected return. The higher the risk-adjusted return, the better.

The weighted average cost of capital discount rate also helps determine if a company is producing additional value for investors. When a company produces returns greater than the weighted average cost of capital discount rate, the company is creating value at a higher level than the expected., and is more likely a good investment. Companies not producing a return of at least the weighted average cost of capital are usually in distress, and not suitable for investment.

Why Are Younger Men Older Women Relationships Too Popular Today

There has certainly been an increase in the occurrence of younger men older women relationships
over the last couple of years. Statistics show that these types of relationships are successful because they are based on true love connections. However, this has not stopped the worldwide, never ending debate on why such relationships are so prevalent. The very first answer that usually pops into anyone’s mind is that to do with the financial benefits that the younger men receive from these older women.

Younger men seeking older women are far from innocent or nave and clearly understand that such relationships can lead to their financial gain. This is due to the fact that older women are usually already financially stable and tend to ‘mother’ the younger men by taking care of most of their financial needs. In addition, it has been noted that younger men seek older women because they will escape most of the financial responsibilities that they will have to bear when dating a younger, less financially stable woman. For example, on older woman will settle the bill after a fancy dinner while the younger woman will expect the man, much as tradition and culture, to settle it.

Another reason that has been suggested is the fact that advancements in cosmetic technology has ensures that beauty and health facilities effectively help women keep in excellent physical condition. Older women keep fit by attending the gym regularly and usually use cosmetic surgery to ensure that their beauty does not fade away with age and effectively maintain their youthful appearance.

Thirdly, it has been suggested that biologically, a woman’s sexual peak is between the ages of 35-40 whereas that of their male counterparts is in their early 20’s. This clearly indicates that younger men older women relationships are purely as a result of the sexual needs of both parties.

In addition, it has been noted that younger men older women relationships thrive because young men look for women who want to be in serious relationships. In today’s society of decaying moral values, it not uncommon to find a young woman who has more than one boyfriend or who is involved in what is termed as ‘casual’ relationships. Younger women also tend to focus more on their career rather than their relationships. Here, older women offer younger men the possibility of getting a woman who already has a thriving career and can spare more time to work on their relationships.

Lastly, it has been suggested that younger men meet older women on online dating sites or through dating services. Here, the women may lie about their age and upload old pictures where they are full of youthful exuberance. The continuous communication creates a bond between the young man and the older woman even before they meet in person. In most cases, a woman will divulge her age much later but the connection that has already been made is often strong enough and ensures that the young man will not leave the older woman therefore leading to a lasting relationship.

Use Bookkeeping Software For A More Lucrative Small Business

Use Bookkeeping Software for a More Profitable Small Business

There are surely lots of things that ought to be considered when it comes to managing a small business. Businessmen value time a lot and delays are something they steer clear of the most for these substantially impact their business and the potential income to generate. Hence, business people should go on exploring alternatives that might be of big help for them. One of which is to utilize some devices that would be quite beneficial for the business in making dealings quicker without limiting performance and precision of course. Bookkeeping software is among the most vital gadgets that anyone who have a small business should have. The company and the bookkeeper can certainly take advantage of such gadget.

With the use of bookkeeping software, speed is a stuff that can be enjoyed. There are several accounting tasks that could be done faster by using this software. Every deal with the firm must be recorded in a regular basis because this can assist in tracking out the financial position of the company. Recording the sales should not just be the priority of a bookkeeper; some other transactions just like payments, purchases, and receipts have to be recorded too. Of course, careful way of documenting them is required; let alone the point that this is quite time-consuming. Auditing and other accounting process will be accomplished within a shorter period of time if they’re automated.

In bookkeeping, it is very crucial to be accurate enough since in case of faults in the record entry, calculations, auditing, and in some other auditing works, confusions and serious issues will come up. The accounting division can have hard times in thoroughly reviewing tons of files just to correct and know the faults created. But if you would like to limit these faults, then consider utilizing bookkeeping software. If there are instances of faults, it will just be easier for the records to be recovered and examined with this software.

Any business must have quick access towards their financial records. In this manner, you will have no sweats in tracking all your financial commitments that have to be compensated and those delinquent payments that should be accumulated from the late paying clients. Through the use of bookkeeping software, you can make these matters happen because all the documented transactions are organized in an automated approach. Additionally, fast browsing of bills, invoices, and other records is even feasible. Because of this, possible loss of doable business profits can be prevented and the company will take total charge of their finances.

Because of the efficiency and speed of the bookkeeping software, bookkeepers no longer need to perform on extensive hours. This is an excellent help to them considering that the anxiety and aggravation they have gone through in their work daily can be lessened. On top of that, the companyAs costs on the human resources will be reduced. Remember that there is an additional pay for every extended hours of working but when there will be no overtime, the expenses of the company will be minimized for certain.

These days, there are so many firms that are putting this software on the market. In that sense, small-scaled business people should be more cautious in selecting the best bookkeeping software so that they wonAt feel remorse in the end. Many small enterprises have now changed their manual operation to an electronic one; with this, they are entirely pleased with the success they have reached for their business.

Why Robert Kiyosaki Says 401k Plan Or 401k Contribution Doesn’t Work

Throughout my life, I lived in a world where I saw rich people are getting richer and poor people are burdened to work 9 to 19 hours in a week and had to depends on their retire fund to spend the rest of their life. I remembered clearly when I was about to do my field study, I applied to work in a domestic company. Every single day, I noticed how the employees were working hard just to cover their bills by the end of the moment. Their life was managed by others, by the riches; they need to work throughout their entire life just to earn the measly amount of money provided by their social security (401k). I told myself not to have that kind of life.
Why Retirement Fund Or 401k Kills People?
Mary Painter, Operational Director of CASHFLOW Technologies, Inc. witnessed how many people died after retiring from their job and some committed suicide. She asked a question that nobody wants to answer, why people died so fast just after retiring or why people would commit suicide after working for their entire life.
The fact is that most of the people work for their entire life; they are working hard just that they would have their retirement fund to depend on when they retire and they found out that the retirement fund was barely enough to cover their expenses every month. They are in a point in their life where they had all the time they need in the world to do whatever they wanted to do, but not having the money to do it.
This is what has happened to the entire baby boom’s generation and generations to come. I said to myself that this kind of situation cannot happen to me; I have to find a way. This kind of situation cannot happen to you also; you have to find a way.
Now, instead of working for my entire life and had to depend on the retirement fund which was not a solution at all, I decided to start my own business and I decided to retire young, retire rich.
How To Retire Young And Retire Rich?
The story above would be a wide description about why 401k won’t work for you. 401k is invested on mutual funds which was too risky. No matter what you professions are, whether you are a banker, a clerk, a secretary, you will face this kind of situation.
How many of you are below 45? Do you want to retire young and retire rich? Or do you want to work your entire life away? How many of you want to be retired around 40 and financially free for the rest of your life?
How many of you are over 45 but are still struggling to cover your bills and debts by the end of the month? And just let your life depends on your 401k which will not be functioning really well if the share price falls?
What exactly is the way or the solution to this problem? What can get you out of the rat race that is faced by 95% of the population? The answer is, are you an employee or an employer? You don’t need to have a large corporation to be called an employer. What matters is your mindset and are you willing to be one.
Your plan to retire using 401k will only work if the value rises which needed the share to rise. So if you want to get out of the rat race and decided to invest in a business, what business model would be the right one to start with at this time of recession? Robert Kiyosaki said, “If I were to rebuild my fortune all over again, I would choose Network Marketing’s Industry”. Why? Because it applied leverage, leverage is the most important thing needed to be rich fast. Imagine Internet as your leverage where 1.4 billion users can see your business and work with you with a single click of the mouse.

The Importance Of The Bs5852 British Standard For Contract Furniture

It is important for anyone who hopes to sell contract furniture in the UK to become familiar with the new British standard for fire safety in contract furniture fabrics, BS5852. The consequences of not being up to date with this new standard could be catastrophic for anyone who makes and sells contract furniture or if you are a supplier of contract furniture to various institutions here and abroad. By not having your furniture up to code, you could get through an entire order and be ready to deliver only to have your furniture rejected at the governmental level which would be a financial disaster for your business.

So before you even bid on any UK contract furniture business, be sure your manufacturing and design people are well aware of the BS5852 standard and that steps are made to bring your new contract furniture up to code. If you have already completed this step, be sure you alter the tagging that goes with each piece of furniture so the fact that you do produce furniture pieces that conform to the BS5852 fire safety standard is prominently displayed. This is your best bet that your furniture will live up to any bid that will take that furniture to a British destination.

Of course, who of us could dispute the need for setting a high bar for fire safety standards as the British have done with the BS5852 regulations? In an urban setting, the need to do all we can to limit the flammability of institutional furniture cannot be overemphasized. Since so many of your contract furniture sales will go to hotels which means your furniture will fill literally thousands of hotel rooms, making sure your manufacturing standards meet or exceed the BS5852 standard are not just a matter of obeying the law so you can keep selling in the UK markets. It is a matter of the safety of families who use your furniture all over the world.

But the impact of the BS5852 standard goes further than just to those who must make sure furniture conforms at the manufacturing level. It is also important for suppliers, distributors and even buying agents who are looking to acquire good contract furniture for a large scale institutional setting. If you are not aware of the need to comply with this standard, it would be very easy to sell to a customer goods could be put to use because they were not in compliance with fire safety code. While you may be able to avoid financial liability if you are the supplier or distributor because the person responsible for the contract did not know about or specify that the furniture be up to code, if you do that, you risk losing the customer for repeat sales and losing your reputation for honest business dealings which can have a devastating financial impact for you long term.

A better approach would be for you to get a copy of the BS5852 British fire safety standard and get to know it well. Then if you are placing a bid for a large contract furniture job, you can be the one vendor to inform the customer of the need to buy furniture that is up to that fire safety standard or risk seeing the installation be mired in legalities and generate tremendous costs fixing the problem.

If you alert the customer at the bid level, you can be a big hero to that customer which gives you a leg up on winning the contract. Then if you sell only BS5852 compliant contract furniture, you can close the deal before it even goes to general bid because you knew about the need to comply with this important law and you were in step with the regulations. In that way, you take what could have been a negative in trying to live within the BS5852 regulation and you turn it into a positive for your ability to sell contract furniture in the UK markets. That is a smart way to turn the BS5852 standard to your advantage.

Understanding The Importance Of Personalized Gifts

Giving personalized gifts to your family member, relatives or friends, shows that you care for them. In fact when someone receives a personalized gift, they will cherish that gift for a lifetime. It creates a powerful impact on them. Personalized gifts allow you to grace the occasion and give special importance to the recipient of the gift. You can personalize things such as coffee mug, jewelry box or a travel bag. You can almost think of anything that can be personalized. Here are 4 important reasons for using personalized gifts. They are as follows:
1)Personalized gifts are reasonably cheap:
Customizing a gift is cost effective. It sounds to be expensive but when you actually pay for a customized gift, you will realize that it does not involve any financial burden. Just by spending few dollars, you can add personal details to a gift or even engrave a special message on it.

2)Personalized gifts are unique in their own way:
People like to receive gifts and what more can you ask, if its a personalized gift. It is not essential to give a personalized gift in order to bring joy to the recipient of the gift. However, a personalized gift adds a special flavor to your expression towards the person who is receiving the gift.

3)Personalized gifts reflects your true appreciation towards the person:
When you give a personalized gift to a person, you are expressing your care towards that person. By making the gift personalized, you are honoring that person and you are showing how much you truly value him.

4)Personalized gifts can be used for various occasions:
A personalized gift can be given to a person on various occasions, such as wedding anniversary, birthday gift or it could be even used for just spreading holiday cheer with your personalized Christmas present.

5)Personalized gifts can also be created through your own creative ideas:
You can use items like handbags and purses, wash bags and even laptop bags as personalized gifts by including photo or images of you and the recipient. This type of personalized gift will always make the person think of you as long as the recipient uses the gift. However, while choosing a personalized gift, keep in mind that you are purchasing something for the recipient and not for yourself. Keep this vital tip in mind before you finalize a personalized gift for someone.

It is a known fact that a gift that is personalized, can stand out in a way that the person who receives the gift will always remember. Irrespective of the occasion, you can create an everlasting impact on people with personalized gifts.

Your Credit Utilization Ratio

Credit utilization ratio – a significant factor in your credit score
Most consumers who keep a close eye on their credit score know exactly what a credit utilization ratio is; it’s the percentage of your total credit limits that you actually use.

A balance of $1000, with a $5000 total credit limit on all revolving accounts, equals a 20% credit utilization ratio.

A low credit utilization ratio is good for your credit score; it’s recommended to keep it under about 30% of your total credit limits, and less than that is even better.

Your credit score will suffer if you use too much of your available credit; thirty percent of your credit score is based on your credit utilization ratio. Maxed-out credit cards will wreak havoc on your credit score.

It’s important to be aware of how your credit utilization ratio affects your credit score at any given time, especially if you plan on applying for credit in the near future, such as a home mortgage or car loan, or even a credit card.

A better credit score saves you money in the form of better interest rates and more generous benefits from your lender or creditor.

Responsible credit card users’ credit score may not truly reflect their credit habits.
The funny thing about credit utilization is that it simply shows how much you use your credit cards. But it doesn’t really say anything about how well you can afford to pay your debts.

Credit cards are no longer used strictly for emergencies like they used to be, and using a credit card doesn’t mean that you don’t have the money in the bank.

Many use credit cards daily for the convenience of it; swiping a credit card is so much quicker than pulling out cash and waiting for change. In our fast-paced society, those few extra seconds can make a difference in our day.

And the rewards are another reason many responsible consumers choose to use their credit card for monthly bills and daily purchases, when they could just as easily use a debit card for the same convenience.

Smart credit card users know how to get free use of somebody else’s money every month, by using their credit card and then paying the full balance before finance charges are assessed.

But using a credit card for most purchases brings up your credit utilization ratio, especially if your credit limits aren’t much higher than the amount of credit you actually use each month.

For example, you may consistently put $2000 on your $3000 limit card every month. You never put more on your card than you can pay off each month, and you may not see the need to apply for additional credit cards or a credit limit increase because you believe you will never need more credit at your disposal.

This would seem like the habits of a smart, responsible borrower. But that kind of usage would put your credit utilization ratio at 66%, something that make creditors nervous and damages your credit score.

And keep in mind your credit utilization ratio is not a fixed number; it can change dramatically over the course of one month, depending on when you pay your bill and when the creditor reports your payment and balance to the credit bureau.

Paying your full balance each month would put you at a zero percent ratio immediately after the creditor receives the payment; that should be good for your credit score.

But what if your creditor reports your balance just before you make the full payment? Your credit score will suffer for it, no matter how good of a grip you have on your finances.

A borrower with a low credit utilization ratio may still be in over their head in debt.
A credit limit increase is normally considered to be a good thing. It shows that you’ve been good at handling your debt with on-time payments, and that the creditor trusts you enough to let you loose with more available credit.

It also brings your credit utilization ratio down, as long as you don’t increase your debt load. A lower credit utilization ratio means a higher credit score, and a higher credit score means that you’re financially in good shape, right? Well, not always.

The higher credit limits probably won’t present a problem for those who are careful about how they use credit. Having more credit available doesn’t mean you have to use it, and financially responsible consumers will control their spending, no matter what their credit limits are. These consumers can enjoy the privelege of a higher credit score, and the better financing deals that go with it.

But let’s just say we have someone who has managed their debts well in the past, and they have several credit cards with a total credit limit of $10,000. They carry a balance of $2000, and their monthly payments rarely exceed the amount of the interest charges and new purchases each month.

So the $2000 balance is pretty consistant from month to month. With a 20% credit utilization ratio and a good credit score, creditors may eventually decide to increase their total limits to $15,000.

Some consumers in this situtation will spend a little more than usual when they get their credit limit increase. With higher credit limits at their disposal, they can let their balances grow to $3000, while still maintaining a low 20% credit utilization ratio.

A 20% ratio may be great for a credit score, but $3000 is a lot of credit card debt to carry around if you can’t afford to pay it off every month, or at least within a few months. A low credit utilization ratio can give consumers the illusion of a manageable level of debt. In reality, the debt may be more than the consumer can afford to get ahead of within a reasonable amount of time.

The worst-case scenario is when a troubled borrower routinely requests credit limit increases in order to keep a good credit score, while maintaining their otherwise out-of-reach lifestyle. Credit limits keep increasing while the debt keeps growing, until the day the borrower realizes they’ve let their spending get out of hand.

It may eventually become difficult for them to even make the minimum payments on thousands of dollars worth of credit card debt. From there, their credit scores and financial health can be damaged pretty badly.

Be smart in handling your debt.
So, even though your credit score is important for you to get additional financing, it’s important to ensure that the dollar-amount of your debt remains at a manageable level.

Someone with a relatively low credit score may own more than they owe and have plenty of money in the bank, while someone with a higher score is barely scraping by and living off of their credit cards. A credit score has much to do with the financing that’s available to you, but it really has nothing to do with your overall financial picture.

A good credit score is still important. It’s what makes homeownership and buying a nice car possible. It’s what get you better deals on credit cards and lines of credit.

A good credit score will make it easier to attain the things we need and want, but having a good credit score, in itself, won’t improve your financial situation; it only means that it’s easier to borrow money.

Understand where your credit fits into your overall financial picture, and make decisions to improve your financial health, not just your credit score. With careful planning and responsible spending, someday, you may not ever have to borrow money again.

The Right Mobile App for Your Business: 3 Things to Focus on

The number of mobile phone users is expected to account for 4.77 billion in 2017, according to Statista, an online statistics, market research and business intelligence portal. This number is forecast to exceed the five billion mark by 2019. The mobile phone penetration is anticipated to continue to grow, rounding up to 67% by 2019.

In this day and age, being away from your desktop can’t be an excuse for not being able to perform your business tasks or respond to your customers. As a result, mobile apps are increasingly becoming more and more important for organizations.

Best for Your Business

As of March 2017, there were 2.8 million available apps at Google Play Store and 2.2 billion apps available in the Apple’s App Store, which are the 2 leading app stores in the world. In 2016, 149.3 billion mobile apps were downloaded by consumers. This number is anticipated to reach 352.9 billion in 2021.

In this increasingly connected world, you can find a large variety of mobile applications developed for various purposes, especially for instant messaging (IM). Messaging apps or messengers are surging in popularity all over the world. They serve the purpose of providing users with affordable, easy and effective communication. Thanks to instant messaging apps, people around the world can always stay in touch with their friends, family, and even colleagues.

Following the mobile trend isn’t the only important thing for your business. Opening a high risk merchant account with a respectable payment processor like eMerchantBroker is another highly important point to focus on. Credit card processing offered by a reputable processor will take your business to the next level. Consider applying to EMB, the top high risk processor in the US.

The Right Mobile App for Your Business Communications

Below you can read about the most important points to focus on when choosing the right mobile app for your company’s communication needs.

  1. Networks and Conditions Shouldn’t Be a Problem

With the right mobile app, your clients will be able to leverage any network you’re connected to, which are most likely to be 4G/LTE in most developed countries and WiFi for in home/office. By switching between networks, the right mobile app will provide you with the performance you need.

  1. Offers Excellent Experience Optimized for Mobile

Being in the app store doesn’t always indicate the app is mobile optimized, meaning it provides excellent user experience and usability. The right mobile app should be designed for leveraging notification services for messaging and battery efficiency.

  1. Should Be Tightly Integrated with Your Other Cloud Services

To enjoy efficient communications, you should be able to access key information while talking to your customers. The right mobile app should be intelligently integrated with your other cloud services.

When selecting the right mobile app for your business communications, take the time to research the available options to see which one is ideal for your business.

The Importance Of Debt Management

It is essential that people are aware of debt management nowadays. Debt management companies are springing up everywhere you look. Debt management companies provide debt helps people in financial trouble, by ensuring your debts is distributed among creditors, who offer you a fixed monthly payment at low interest, sometimes it is even frozen. This is not similar to a loan that you obtain in debt consolidation, as you are not taking on an extra debt, you are just paying off your existing debt over a longer period of time. However, because many people have fallen into large debts in this volatile economy, debt management companies have made their mark, and are now part of the fastest growing financial industry in today’s world, and one of the most regulated.

There are debt relief programs available for those who are unable to afford minimal monthly payments, called a DMP or a Debt Management Plan. Debt relief programs have been put in place, where the total amount of debt is reduced, and made into a single monthly payment with low interest and more affordable to people in heavy debt. Debt management companies also offer people who are interested in reducing payoffs, in order for their credit to be paid off quickly. While some of these people may be able to afford their minimal monthly payment, they are keen to eliminate existing debt. If you are in the middle of bankruptcy, debt management programs wouldn’t work for you.

This debt help program is specifically designed to allow customers to repay their existing debt in a more manageable and affordable way. Your existing debt in combined into one dingle debt. This is a great option for those wanting to improve their credit history after not paying any of their debts, and keep track of their loan repayment schemes, as there is only one single payment to be made monthly rather than paying several payments separately. You can negotiate the terms and interest rates with your creditors, but debt management companies will do this for you. This way the monthly payment you will be required to pay is considerably reduced. A debt management company will carry out these duties on your behalf, where they will act as the intermediary negotiator.

Debt management programs generally request an administrative fee as part of the administrative expenses. Ensure through your debt management company that you are not being overcharged administrative fees in addition to the monthly payment you have to make. Stay away from creditors who charge high administrative fee to their customers. First fill in an online form requesting for debt management services and a debt management program that is affordable and within your budget. Once you receive a few quotes from the debt management services, select a program that is most suited to your financial circumstances. Once you’ve been accepted by a debt management program, you can combine your many debts into one single debt and begin paying a fixed monthly payment for a certain time period.

Debt management allows you to effectively manage your debt. Make certain that you choose the appropriate program, as there are several debt management programs out there. These programs not only offer you debt relief, but also offer advice on how to handle various financial situations such as crises management, debt consolidation, debt negotiation and settlement and bankruptcy. Debt management will not only wipe your debts, but will help you live a debt free life.

Univera’s Xtra – What Exactly Is It

Xtra is a breakthrough product that changes lives. This proprietary formula includes a blend of patented ingredients that helps reduce the damage from free radicals and combat the effects of aging, while providing elements known to support repair of cell functions.

Xtra is a scientifically-formulated nutritional and active-botanical supplement that promotes vital energy to go from tired to terrific, supports mental clarity and focus to stay sharp all day, helps manage stress to feel upbeat and optimistic, and promotes joint comfort and flexibility so you can be more active again. Xtra is the foundation for total body renewal because it dramatically pushes down on damage and up on repair in your body to nourish, restore, fortify and vitalize your cells. While taking Xtra, you will feel an increased sense of energy and vitality.

Xtra was formulated through extensive DNA genomics-level research and tested using a double-blind, placebo-controlled study on active ingredients. Univera has created a true “cell renewal formula”; a powerful natural blend of ingredients to help you look and feel better every day. This proprietary formulation of powerful ingredients dramatically improves repair and reduces damage on your personal seesaw.

How does Xtra promotes vital energy? A chain is only as strong as its weakest link. Within every cell of your body is an energy “assembly line,” and when you don’t provide your cells with the essential building blocks to produce energy, you become fatigued. Every second of every day, your cells are under attack by oxidizing agents called free radicals. Antioxidants stop free radicals from damaging and destroying cells. With the antioxidant protection of up to 10 servings of fruits and vegetables in every ounce, Xtra contains a highly potent, concentrated blend of blueberries, cranberries, grapes, and dark cherries for maximum protection to positively impact your overall brain function and sharpness.

Antioxidants help reduce the damage from free radicals and protect our DNA. So how does Xtra stack up when compared to other popular antioxidants that are popular today, such as orange juice, cranberry juice, noni juice, acai juice, and mangosteen juice? Xtra has 7-10 times more. USDA scientists report that the average American takes in 1200-1500 ORAC (Oxygen Radical Absorbance Capacity) units in a day, but experts say the body needs 3000-5000 ORAC units to get meaningful protection. The above mentioned juices are all below 628 units, while Xtra provides us with 4512 units a day.

Xtra includes a proprietary all-natural formulation of vitamin B3, Pyridoxal-5-phosphate (the active form of vitamin B6), Ornithine alpha-ketoglutarate, green tea extract, and Cordyceps sinensis – all critical energy co-factors to optimize cellular energy production. Xtra includes world renowned herbs Rhodiola crenulata and Ginkgo biloba that synergistically work to relax and empower the body and brain to face the constant demands of everyday life.

Xtra also contains the award winning ingredient Protectin, which has been shown in double-blind, placebo-controlled, human clinical trials to dramatically improve joint comfort and mobility to unleash your body’s potential.

Simply put, all the things we enjoy in life are compromised by inadequate repair or excessive damage, and you are left to live with the degenerative effects it produces. Xtra helps us find physical renewal through the science of cell renewal.