Kievgid

Do you see the prospect of buying an existing business for sale as being a leap in the dark, as this discourages many an enterprising individual? The entire concept can be very alien if you’ve never been involved in these types of transaction before. Most of us are used to engaging in transactions where we buy a tangible product like vehicles or houses and in these cases “what we see is what we get.” A business valuation can be composed of several intangibles as well as inspectable assets and in many cases goodwill factors into the equation. Goodwill certainly comes into the equation in a service related business, as does a good client list and as such your process of due diligence will require you to explore and reveal quite a lot as you inspect different documents accordingly.

Always remember that there are two different viewpoints here. The seller will have a clear indication of the worth that he or she places on the business. This may often be inflated by a natural enthusiasm and the sheer amount of hard work and dedication that may have been put into the business to this point. Never disrespect the sellers’ point of view of course, but look at the documentation and evidence that you will find in the cold light of day and remember that it is entirely up to you to determine if you’re going to get involved and buy business interests in this way, according to your value parameters.

When you decide that you want to move forward and investigate whether to buy a business of interest, understand that this may be a lengthy process. At this time, you had better have a good level of common sense and humor and be ready to communicate at length with the seller.

This is where expert advisers will come into their own and if you have no real experience with this kind of business, its related market or niche, utilize proven resources and get as much help as you can. This is not to say that you will simply hand off all the work to these advisers, barely looking at the documentation presented to you, as the decision-making must in the end be made by you and you alone. The financial documents and all of the paperwork must be reviewed by you first to be sure that you have a great feeling initially before you hand them over for further processing by your experts.

Always be wary if some of the financial documents are either missing or incomplete, or are not balanced and reconciled correctly. Certain precedents must be maintained and accounting procedures completed. You may be asked to sign some non-disclosure or non-compete documents before these are made available, but the financials are the rock upon which everything else is built.

Each and every operation is different in its own right and no two businesses are the same. So many external influences are involved and any number of different events can come to bear to create a variety of different situations. Expect to uncover some unusual facts and figures or surprises and remember that, while industry benchmarks are interesting, a lot of the information you discover here will be a function of real-world activities.

Richard Parker is the President and founder of the prestigious Diomo Corporation - The Business Buyer Resource Center. His celebrated materials, seminars and consulting have encouraged thousands of aspiring business buyers from around the World to pursue their dream to buy a business.

Pharmaceutical companies understand how tough life can be. They have to answer to many different “bosses,” not all of whom really have anything to do with driving their bottom-line sales. While they are trying to generate and develop meaningful relationships with the most important clients while determining how best to handle key account management, they also have to address the demands and whines of regulators, auditors and other forces.

The pharmaceutical company must understand that key account management tactics are very important, while also requiring a dynamic approach, flexible positions and creativity. The key account sometimes has several different points of communication within the pharmaceutical company and this can lead to a certain amount of confusion if not handled correctly. However, it is also true to say that these individual “points” could view the key account from different perspectives, depending upon the job level and/or driving force.

Invariably, pharma consulting tells us that the front-line sales executive may or may not be motivated by revenue levels and there is danger that he or she may not have the ultimate interests of the employer, the company, at heart. It may not be very obvious and certainly not “cut and dried” but if it is not recognised, the overall relationship between the two companies can be significantly affected.

A key account can be so valuable to a pharmaceutical company as it can provide a high level of stability and enhance cash flow to no end. The designation of “key” account should not, however, be given lightly, regardless of the potential. It should never be decided based on scale alone, and many other factors must be taken into consideration. It is possible that a high-volume could result in a low bottom-line return, due to the cost of servicing the needs of the client and razor thin margins.

A well-known metric is applied in most business situations, telling us that 80% of the value is often supplied by only 20% of the clients. Insofar as this is true, a potential “key” account should be categorised and understood before an approach is determined. A number of different layers of key account management could exist within a typical organisation and all tiers of management, especially those who regularly interact with clients, must receive correct training in the techniques required to handle every level and type of account.

There are several ways to look at whether a client qualifies as a key account or not including total volume of sales, percentage allocation of profits, the rate at which the company is growing compared to average and by comparison to others across the board.

A pharmaceutical consulting firm fully understands that not all clients are created alike and further, that not all key accounts are alike, either. In most cases, pharmaceutical consultants have seen how to handle these different levels of accounts successfully and can help to tutor the company’s various staffing elements accordingly. It is best if the pharmaceutical company develops a critical statement outlining the terms of the relationship with each and every client. There should be no “stock” description, but as each key account is of elevated importance to the company’s existence, all staff members must be trained to recognise the difference between “apples and oranges.”

Alan Gillies is the Managing Director of L2L Consulting, specialising in enabling pharmaceutical companies to achieve new heights of productivity and performance, throughout all levels of management and revenue generating activities.

The healthcare industry was one of the few growth areas during the recession of 2008 and 2009, and in the United States was front and centre in the news as Pres. Obama’s promised health care reform took a considerable amount of time in Congress. Indeed, the healthcare business was a pivotal part of Obama’s campaign and he wasted no time in prompting both houses of Congress to consider change. It appears as if we are poised on the edge of a momentous change in the industry, which will affect everyone involved from healthcare providers through hospitals, insurance companies and pharmaceutical companies. In these tumultuous times, the role of healthcare and pharmaceutical consulting organisations will be pivotal and all the skills possessed by these companies will be necessary as changes are processed and results analysed.

Healthcare can be seen as a growth industry for a considerable time ahead as the baby boomer generation starts to age and comes to a period when more strain is likely to be placed on the healthcare system. This will call for innovation and the provision of additional services and products by the pharmaceutical company. Competition in the marketplace is sure to evolve.

Costs will be under the microscope in the near future and insurance companies will be torn from both sides, due to their role as the intermediary. Healthcare professionals are sure to receive pressure, as they weigh up the advice that they should give their patients in the light of new rules and rafts of legislation. In short, a period of uncertainty can be expected to add even more pressures to an already pressure packed environment.

In the time to come, pharmaceutical consultants will be more valuable than ever as pharma consulting plays its role in deciphering new and complex rules and positions. Training of the company’s workforce is best engaged with the help of consultants, who provide an extra layer of expertise, experience and training themselves. Executives from the parent company must spend as much time as possible dealing with the principal concerns associated with production and regulation. They should devote valuable time to staff administration, maintenance and training. To help ensure that sales executives are deployed correctly and return as high a value as possible to the company, the pharmaceutical consulting firm is ready and willing to take on this important task.

The healthcare business is one of our most dynamic industries and pharmaceutical and healthcare consulting is a critical internal component. Not all organisations interested in the development of a pharmaceutical company can be classified as “friendly” and this puts significant pressures on the company. While the company’s executives struggle with these issues, figuring out how to interpret positions and trying to devise how to approach and deal with each party from a strong position, the pharmaceutical consulting firm can provide valuable backing. The consultant can be a valuable ally and an extra pair of eyes and ears, to help the pharmaceutical company navigate through challenging, risky, yet potentially lucrative times ahead. The company is advised to consider a long-term engagement with the pharmaceutical and healthcare consulting firm accordingly.

Alan Gillies is the Managing Director of L2L Consulting, specialising in enabling pharmaceutical companies to achieve new heights of productivity and performance, throughout all levels of management and revenue generating activities.

When a prospective buyer is trying to establish whether he or she will purchase a particular business for sale, there are many buy business elements to take into consideration. When prospects arise, quite apart from the question of suitability, location and longevity, the issue of real-world business valuation is front and center. The seller will present a series of financial documents and it is, of course, in their best interests to portray the business for sale in a shining light. As such, the issue of “add backs” is likely to represent one of the thorniest problems.

In most instances, add backs are included in an effort to present the business from a real world point of view. When compiling traditional accounting reports, it’s essential to adhere to a set of very rigid standards - there may also be additional footnotes to consider, and depending on your point of view, these can be either positive or negative. When you’re thinking about buying a business, it’s crucial that you carefully scrutinize each and every add back, as they can often make a significant difference in your final valuation figure.

When performing the process of due diligence, checking recorded sales and purchases against ledgers and reconciled bank accounts is usually a fairly straightforward task. Far more often than you might think however, the current owner will strive to draw your attention to points which may be “one-time” instances, or to extra income which might not actually appear anywhere in the books at all. You should be open to all suggestions of course but maintain a degree of skepticism at all times until you are able to validate the claims, or otherwise.

Don’t forget that for an item to be claimed as a “one off,” it must not have occurred during any of the previous years. Seller could argue that a particular expense is much larger than it should be due to a particular incident or requirement, but if you see a pattern of any kind, then the add back must be discounted.

One of the most common add backs, especially when the business can be owner operated, is to suggest the value of a manager’s salary. You need to establish that the outgoing owner was not actively involved in the operation of the business in this case and this figure is only of interest to you if you intend to assume the role of the redundant manager.

Add backs may not be asserted whenever they represent intangibles, such as the prospect of additional revenues due to a new marketing initiative that the outgoing owner has just put in place, for example. Nor should you believe an owner claim that you can reduce a certain category of expenses through renegotiation or other initiatives. After all, if the outgoing owner has not being able to do so to this point it seems reasonable to assume that an incoming “newbie” is likely to have even less ability to affect short-term change in this regard.

Be particularly wary when you are told that a business retains a lot of cash sales. You must essentially discount this notion from a strict valuation perspective, even though such a claim made, after review, may be seen as reasonable. If the owner has not entered the cash sales on the books, he or she will not have accounted for taxes correctly and it’s not fair for them to expect to receive a double benefit in this way, a net tax saving and enhanced business value.

When you have reviewed the complete list of business financials, treat each claim for add back on an individual case basis and never roll them into an inflated value. At this stage you must be particularly diligent to enable you to arrive at a real world price for this prospect.

Richard Parker is the author of the How to Buy a Good Business at a Great Price series. As President and founder of Diomo Corporation - The Business Buyer Resource Center, his materials, seminars and consulting have helped thousands of business buyers realize their dream to buy a business.

Everyone needs to eat to live, and over time we’ve established a habit of making this process a social one. As such, a restaurant for sale is one of the most popular businesses to buy, and one which may represent an even more attractive purchase proposition if you have a particular taste for a certain type of food!

Perform due diligence carefully when looking to buy restaurant business, even though your intuition - and your stomach, might be telling you that it’s the right decision for you. This particular industry is extremely competitive, and there are an array of factors you’ll need to consider. Allocate a period of time, experts recommend four weeks, to observe the operation of the business. This should enable you to get a good feel and to smooth out any peaks or troughs before you make your final decision.

You have several key areas to investigate including the premises, the financials, the equipment, lease, the operations and the employees. Do not be afraid to bring in experts, including an accountant experienced in the food business to help you, but as you go through your observation period, use your general business sense and a good portion of common sense to observe how everything works, especially from a client point of view.

For your paper and number crunching chores, expect to review the tax returns, profit and loss statements, cash flow worksheets, inventory records, employee records, equipment agreements, maintenance schedules, all necessary licenses, health inspections certificates and a history and copy of the lease.

When reviewing the financial documents, it’s essential to keep in mind that the restaurant business has a large volume of cash sales. Surprisingly often, many business owners decide to siphon off some of this cash for themselves, not reporting it to save on taxes. In the long run this isn’t a good idea, as this money could have been applied toward a marketing budget or buying new business assets, and if siphoning is going on, it can be quite hard to prove income.

When you are inspecting the property, look at it from an overall perspective as well as in detail. Can it be adequately seen from nearby major roads, is signage appropriate, well-maintained and presentable? Are there any other major competitors and are they overbearing? What is your first impression when arriving in the parking lot? Take a look at external dumpsters and trash removal areas to make sure that these are as well-maintained as possible and are unobtrusive.

Moving inside, what is your first impression of the decor. Is the waiting area pleasant and contributory to the overall ambience? Is there adequate signage for bathrooms, emergency exits? Pay close attention to the bathrooms. They should be in perfect working order, comfortable and impeccably clean and well-maintained. In a restaurant, everything, repeat everything should be clean, presentable and in full working order.

Most of the equipment contained in a restaurant and specifically within its kitchen is subject to certification, inspection and permitting. Check to see that this is all up-to-date and timely. While every element of the equipment should be operated according to the letter of the law, you must also ensure that regular maintenance and cleaning schedules are top-notch. For major items and appliances, see whether contractor warranties are available and can be transferred to you.

Very often a lease can be a potential stumbling block when looking at a restaurant for sale. The landlord will want to ensure that the business is being operated as efficiently as possible and may be wary of transferring or issuing a new lease to someone who does not have much experience. Look for terminology within the lease stating that transfers will “not be unreasonably withheld,” and aim to ensure that you get at least as favorable terms during your tenancy. This would be a good time to assess the overall viability of the environment within which the business operates. If in a strip mall of some kind, are the anchor stores in good shape and do the majority of other businesses also appear sound? You do not want to see an anchor store disappear and the overall visitor level to the area decline.

When you analyze the operations of the business, you want to learn how the current owner operates and whether there are any immediate issues or challenges that you will have to take into account. Look closely at any “special arrangements” or unique selling points that involve a particular individual, a style or presentation of food. You want to be sure that these elements are transferable or will be present when you take over.

A restaurant will likely rise and fall on the strength of its employees. While you can expect a high turnover in any kind of restaurant, if you see some loyal staff and a good “team spirit” this can be a definite plus. Check to see how people are hired, the terms and conditions offered to them and exactly how they are paid.

While you should insist on an observation period, before you are involved in formal discussions with the seller why not kill two birds with one stone and visit the restaurant for a few nice dinners or lunches with other companions? You don’t have to show your hand at this stage and can get a really good feeling by observing how the staff come and go, the operation within the kitchen ideally and in general get an opinion of whether everything is orderly and well-structured during the busiest times.

Richard Parker is the author of the How to Buy a Good Business at a Great Price series. As President and founder of Diomo Corporation - The Business Buyer Resource Center, his materials, seminars and consulting have helped thousands of business buyers realize their dream to buy a business.

Many significant tasks in a business such as maintaining flow of information within the company and marketing the products of the company require printing service. Therefore, it is important to have some fundamental knowledge of how printing works, especially offset printing, which is one of the most widely employed printing techniques.

The users and the printers like offset printing because of its cost effectiveness for the production of large number of prints. The customers giving bulk printing orders are recommended by the printers to opt for offset printing because of this reason.

The ink employed during offset printing has oil as the medium and does not dissolve in water. Its so called because in this process, images are not transferred directly from the plates to the paper but this is done using rubber blankets as a medium.

The process starts by preparing the designs. Previously the images were produced by creating film negatives and were then transferred to printing plates made of aluminum. This is no longer needed as the technology exists for making the plates in one go through an image setting system. The subsequent step is to attach the plate on to a cylinder in the right manner. Then the water and ink are dispersed on the image plates, in that order. The image gets the ink while the rest of the area gets a thin layer of water, which makes sure that the ink does not spill beyond the images.

Next, the image is turned around when it is transmitted to a rubber blanket which is stuck to another cylinder. The image is now printed with its right side facing up by cutting sheets of papers into correct size and putting them on a third cylinder.

The final steps of the printing job involve things such as stapling, pasting or arranging the printed sheets according to the instructions of the client, and any printing company should easily manage these.

Learn more about Print Poster tips from a dynamic Printing Company.

[I:http://kievgid.com/wp-content/uploads/2010/01/LJJames2.jpg] Like I have said before, I am no Gourmet Chef or expert on fine Cruise. I do how ever know what I like. Recently Me and a Buddy of mine stopped at the Meson Ole Dinner in Southampton on Long Island in NY, A Mexican and Spanish Restaurant.

Some of you may know I am a Biker, As any Biker knows some times the greetings we get when we walk into a place can be a look of “Oh No” and a half hearted “can I help you?”, Is it right? Well of course not, but that’s a different article. The Greeting We got at Meson Ole was a very warm friendly one and we felt welcomed in.

The Decor of the place was great and you could almost believe you where some where down in Mexico. We where promptly brought over some Nachos and Salsa and some fresh hot Bread and Butter. We ordered a Pitcher of Sangria, A drink I do not believe I have ever had before but I enjoyed none the less!

We ordered a Bunch of food and the Service was pretty fast. Now even the best service means nothing if the food is not good, Well the food was incredible. We ordered a set up where you made your own Pepper Steak Burritos and also a plate of Ham and Cheese Burritos. It was all made to perfection, The Pepper Steak was served in a separate pan and it was still sizzling when it was placed safely on the table ! I could not have been happier with the taste and preparation of the food! While we where enjoying the meal the waiter made sure we where happy at all times. When the Bread was finished more was served to us. We ate so much ran out of Burrito wraps, That is not a complaint because as soon as it was notice more where quickly brought to the Table.

I eat at many places as I really love to eat, But some times I come across a place like the Meson Ole Dinner where I feel I must share the experience with others! I was happy to find out that the Meson Ole has 8 locations across Long Island NY and two in Naples Florida (That’s a bit of a big jump in the Chains Locations) Good food can sometimes be hard to find, Both Great Food and Great service at one place can be almost imposable to find these days! So If you are a fan of Mexican and Spanish Cuisine check out the Meson Ole Dinners in the Long Island NY area or when you are near Naples, Florida and let me know what you think of them.

Your Bro L.J. James AmericanBikerX.com

LJ works at a collection agency LJ has worked many years working to become a Debt Collection specialist

When looking to buy liquor store business, the process of due diligence goes way beyond just an assessment of the presented financials. You need to be able to access all the files and records, review information and research personnel as you review what you’re being told. It is recommended that you allocate at least four weeks for this process and do not be tempted to rush to judgement. There are a surprising number of issues which may only become apparent over a span of time, so always keep this in mind and proceed cautiously.

There are some decisions that you can make about buying a liquor store business before you immerse yourself fully in the due diligence process. While you’re likely going to have to do a great deal of number crunching and leg work as you press on ahead, is there anything at this point which you have come to understand about the industry, about this business in particular, its owners or its location so far that has given you pause, causing you to second guess yourself? If for example you already know that financial records are incomplete for reasons given by the seller, or the condition of the store or its assets are not as you had hoped or expected, inventories are incomplete, inspections, certificates or licenses are compromised for one reason or another – all may be reasons for you to turn around and bid good day.

For a process of due diligence to be complete, you will need to concentrate on seven different areas:

1. The Premises.

We’ve already covered the crucial importance of allocating not less than four weeks to this endeavour, and you should reach an agreement with the seller for this set period of time so that you can personally observe the day-to-day operations of the business. First of all, you’re going to need to assess the inside and outside of the place of business and figure out a rough estimate of what you might need to pay out to replace, repair or upgrade. Remember that the attitude of the staff is very important in the retail business and you should immediately assess how the existing staff interact with clients. Are they generally friendly, attentive, and prompt as well? Personal issues or conversations should not be apparent. Ask yourself whether the store looks good, has a good ambience, appears fresh and clean, has well-maintained restrooms and break areas and is generally spick and span.

You must also ensure that you are happy with the general location of the business, the surrounding stores, the type of people who frequent the area, the accessibility and especially beware of any pending major road construction in the area as this often has a significant bearing.

2. The Financials.

As a minimum, you will need to review the profit and loss statements, the balance sheets and tax returns. You would do well to employ the services of an accountant who is experienced in the liquor business to help you here. Look at all the supplier invoices and reconcile them to revenues. This may be a time intensive process but you will be able to determine your margins this way. Be very aware of any transactions that involve cash, especially if it involves your suppliers. You will need to get written confirmation from the suppliers of their ongoing terms.

Remember some of these industry benchmarks:

• gross margin should be between 24 and 28%.

• rent should be 7% of revenue maximum.

• product mix should be up to 70% liquor or up to 40% wine.

• labor should represent 5 to 7% of revenue.

• net profit should be 8 to 12% of revenue.

• inventory should be turned over between eight and 10 times per year.

3. The Equipment.

All equipment and furnishings should be in adequate working order and not in immediate need of repair or replacement. As such you should review all the maintenance and service records and look for yourself to see if all refrigeration cases are clean and well-maintained and all other equipment is well looked after.

4. Vendor Agreements.

Your wholesalers and suppliers are absolutely essential when you purchase liquor store business assets and you must get to know them well during your due diligence. Can arrangements be transferred to you or will you have to make new ones? You do not have to be prepared to settle with the existing suppliers or vendors and you should really investigate as many options or opportunities as you can. You may, for example, see better terms elsewhere and this knowledge will be great ammunition when you come to negotiations and peace of mind.

5. Lease Contracts.

Always be sure the lease is transferable or that there are no obstacles ahead of you. You must be able to assume or acquire a long-term lease before proceeding.

6. Operations.

It is likely that you will need a number of licenses and this should be a particular area of concern when it comes to a liquor license. Sometimes these may not be assigned or transferred or other onerous terms may be set by jurisdictions.

Go through the daily procedures from opening time to closing time; who has access to keys and alarm settings? Does the business have a procedure for emergencies of any kind? Ask the seller to provide you with an optimal inventory level. Ensure that you review all insurance certificates and be adequately covered for all eventualities. You will need to talk with credit card processors and merchant banks and be prepared to move to access better rates if necessary.

7. The Employees.

As this can be a significant cost and liability area, be focused here. Check each member’s compensation, especially if there’s any possibility of cash being paid “under the table.” If you see that there is a high turnover of employees, ask yourself why. Is there a procedure in place for training? While the seller will often be wary about letting his employees know that the sale is in process, you nevertheless need to analyze each employee individually, assess their loyalty and competence and adjust your plans accordingly. Understand that certain procedures may be quite traditional to them and you should ask yourself how you feel they will react if you need to make significant changes. If one or more employees are absolutely critical to your success, you will need to meet with them prior to consummating a contract.

When you find a liquor store for sale, if you conduct your due diligence correctly you will have the opportunity to see exactly how the business ticks, and you won’t be in for any surprises when you take over.

Richard Parker is the President and founder of the Diomo Corporation - The Business Buyer Resource Center. His inspiring materials, seminars and consulting have assisted thousands of business buyers with achieving their life long dream to buy a business.

Brochures play a significant role in the publicity of a company. They integrate important information about a company like its products and their superiority over the competitor, its main features, its contact info, and so on, therefore giving dependability to it in the market. Brochure design and printing is of high importance as they can be an important component of a successful publicity campaign. Read on to find out some very helpful suggestions both on brochure development and brochure printing.

The brochure should be designed to look professional, eye-catching and educative at the same time. Along with smart use of colours, an appropriate layout of text and pictures is also extremely important in brochure design. All the ingredients like fonts, borders, graphics etc. should fuse perfectly. In addition to being coherent and easy to follow, the brochure must also be good looking and not jumbled and messy.

The brochure printing related issues should also be paid heed to at the time of designing. It is recommended to get a test print of the designed brochure to get a feel of how the printed brochure will appear before sending it for a mass print job.

The design should be created taking into account the brochure printing budget. Black and white printing costs lesser than color, therefore if you are on a shoe-string budget you may want to opt for the former. If you are not limited by budget and are planning for colorful brochures, then thicker and glossier papers should be used, as they enhance the beauty of colour prints. A concise brochure which requires double sided printing will need an adequately thick paper for printing.

Asking for discounts from the printing company is always a good tactic if large printing orders are placed. However, never sacrifice quality, as you do not want to create a negative impression of your organization on potential customers.

Learn more about Printing Services tips from a dynamic Printing Company.

Effective marketing is important for every business to get customers for its products or services. Marketing can have many considerations, such as cost, effect on the environment and the reach of the promotion tool used. An excellent promotion tool for brand or product marketing is corporate gifts. Corporate gifts can be given to both the company’s employees and clients. It doesn’t have to be expensive, you just need to do a little research online and be creative in choosing it. It is a proven fact that the effectiveness of non woven bags as corporate gifts is very high. Non woven bags are manufactured using a recyclable substance called polypropylene. No toxic chemicals are present in the fabric, thereby making these bags eco-friendly. With higher awareness that our environment has to be preserved for future generations, the take up of non woven bags has risen. Thus non- woven bags have become preferred as corporate gifts.

Non-woven bags are made of earth-friendly material. It is not only biodegradable, but also its the fabric that breathes, toughen, highly inflammable, durable, re-usable, not easy twinkling, and cheaper than other material like nylon and woven.

The other great aspect of non woven bags is the fact that they come in a wide range of styles and printing choices. As per the needs, non woven bags can be manufactured in all possible colours, and this makes them suitable for carrying slogans and logos. The polypropylene fabric that these bags are made of makes printing on them both easy and cheap.

Shoppers are generally quite happy to carry these stylish and colourful bags with them while on a shopping spree. These bags act like miniature promotional billboards that people take with them when they go out for their errands. The promotion for the brand is thus instant at no extra cost. It becomes a great marketing scheme that will drive sales and grow your business in a very creative and simple way.

These bags can either be presented as stand-alone gifts to prospective clients, or as containing other marketing gifts inside them. Employees too can be presented a non woven bag, that they would be proud to carry it along, as it would be a symbol of the company that they belong to.

Find out more about Polo Tees and uncover some of the most effective Collar Pins you can use for your business.