NFL picks Week 9: Expert predictions from CBS include Arizona, Denver wins

The 3-4 Giants might be in must-win territory, though, so anything could happen in this prime time showdown.

*San Francisco 49ers beat St. In the Denver Broncos vs. In the Arizona Cardinals vs. Dallas Cowboys game, the CBS analysts have picked the Cardinals to win on the road. Panthers game is to decide first place in the NFC South and the winner of this game will be back to .500 overall. Louis Rams

*Cincinnati Bengals beat Jacksonville Jaguars

The Saints vs. 3), where the New York Giants will be hosting the Indianapolis Colts. 2), where first place in each conference is on the line. The CBS analysts have gone with the Colts in this match-up, favoring Andrew Luck over Eli Manning in the primetime game. 2)

Week 9 NFL Picks And Predictions:

*Washington Redskins vs. The analysts are siding with the Saints in this one.

*Seattle Seahawks beat Oakland Raiders

*Cleveland Browns beat Tampa Bay Buccaneers (Sunday Nov. 29) for fans to take a look at before a big Thursday night game (Oct. 30) between the New Orleans Saints and Carolina Panthers.. Every team in the South currently has a losing record and it has drawn the ire of many fans around the league. Now Cam Newton and Drew Brees will try to prove that their respective teams deserve a spot in the postseason. The latest projections from the CBS analysts were published on Wednesday (Oct. Among the Week 9 picks are unanimous predictions that the San Francisco 49ers and Seattle Seahawks will win again. 3)

*Philadelphia Eagles beat Houston Texans

Within the Week 9 NFL picks, two other big games take place on Sunday (Nov. 30)

*Pittsburgh Steelers beat Baltimore Ravens

This all leads up to Monday night (Nov. *New Orleans Saints beat Carolina Panthers (Thursday night Oct. Minnesota Vikings (push)

*Indianapolis Colts beat New York Giants (Monday night Nov. New England Patriots, they have also gone with the road team, selecting the Broncos to continue their current winnings streak.

*Denver Broncos beat New England Patriots

*Arizona Cardinals beat Dallas Cowboys

*San Diego Chargers beat Miami Dolphins

*Kansas City Chiefs beat New York Jets

Week 9 NFL picks and predictions have been revealed by the CBS experts

12 Effective Tips to Get Rid of Gambling Addiction

Researchers have noticed increased rates of mental health disorders in gamblers with severe ludo mania. ‘Problem gambling’, also known as ‘ludo mania’, can destroy the life of the gambler and also of his/her family members. As he spends more gambling, he requires more money to recover his losses. Study results show that a gambler who has not been treated for compulsive gambling during his desperation phase is likely to commit suicide. He may lose his job and may commit crimes to get money for gambling. Here are some useful tips regarding lifestyle changes to get rid of a gambling addiction.

. When a gambler with severe ludo mania meets certain criteria, the condition is diagnosed as ‘clinical pathological gambling’. But studies show that suicide attempts are usually made by older people with problem gambling. Gambling addiction is referred to as ‘compulsive gambling’ or ‘impulse-control disorder’, where the behavior of the gambler is similar to that of a person who has substance addiction.

When an individual realizes that gambling is destroying his family and social life, he thinks of quitting, but in just a few hours or within a couple of days, he is again found in a gaming zone or casino. He lies to his family and friends, borrows money, and loses control over his mind and behavior. To experience the same excitement, he needs larger wagers or more frequent gambling.

There are chances that he has other psychiatric problems at the same time; for example, substance use disorder, mood and anxiety disorder, personality disorder, etc. Despite being aware of the serious negative consequences, or despite having a strong desire to quit, he cannot stop himself from gambling. Addiction to gambling at a young age increases the risk of suicide. Analysis of casino customer data may help identify problem gamblers, but casino owners do not share this data for fear of losing their most lucrative customers (may be 25 – 50%)

Make Money The Easy Way Through Free Betting Offers

People are normally attracted to anything that come with the word free attached to it. It is like a buy one, take one promo where you get a free bet for every bet that you make. They rely on the premise that once you avail of the free betting offers then you will continue to patronize their website.

Free betting offers are in abundance on the internet but that does not mean that you should grab all of the free bets that you come across. Free betting offers are special offers given away by online betting websites. Anything that is free is absolutely tempting and free betting offers are no exception. You have to choose where you want to avail of the free betting offers. You do not have to create an account with all of the websites that give you a free bet. Our all new football odds and Football Betting Tips site features Champions league Odds, FA Cup Football Premier League Odds and the very best odds available for all your favourite clubs and their competitions.Also read my Blogs at Frankie Layne.

Free betting offers are not just for new members of online betting websites. You must chose websites that have excellent customer service, user-friendly interface and most importantly they should be legitimate.

Author’s Bio:

If you are looking for future odds for tournaments like Football Bets or Free Betting Offers 2012 then you can find those on our site also. . This is a very effective way of enticing new clients simply because anything free is an offer that is really hard to resist. It is very much like giving away free samples of some food item at the local grocery so that the public can find out how good it tastes and buy it.

Online bookmakers give away free betting offers as a way to entice bettors to their website. Some websites give away free betting offers as soon as you place your first bet. If you are extremely wise about your online bets then you can easily make huge amounts of money just by availing of your free betting offers. It is also a way of rewarding their present clientele for their continued patronage of the website. If you are new to online betting then you have a lot to gain from free betting offers. In order to avail of free betting offers, you need to create an account with the online betting website. Old members can also benefit from these amazing free betting offers. This means that you can easily make a fortune on free bets without even having to shell out any of your own money. Online betting websites give away free betting offers so that online bettors can try out their services and come back for more. Current members of some websites are also given free betting offers each time they place some money on their account

10 Facts On Forex Trading Signals Secrets You Never Recognized

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Six Easy Peasy Ways of Making Money Now

Two benefits

to this one; youll get in your boss good books and youll receive some extra doe to match.

Author’s Bio:

The writer of this article, Matthew Wood, is a regular contributor to the blogging

world and likes to contribute content that is both informative and bloomin good to read. If not, Im sure youll grasp the concept; if youve got some items

(clothes, video games, old mobile phones etc.) that you no longer make use of then sell them! Use an online auction site like eBay, or even sell to a

friend or family member and revel in the boost to your bank balance.

If its all going into one savings account, then the likelihood is that you arent. This particular article has been submitted for the online lender

Ferratum UK who specialise in text loans and short term cash loans.

. Not everything on this list is fun per se – at least not this last entry. So how can you earn money from a bank account? Its called interest,

people. 4)

Online gaming

3)

Start a blog

You may be earning a fair wedge from your existing job but are you making the most of the money thats coming your way?

6)

Ask for overtime

But wouldnt earning money be even greater if it wasnt that difficult dare I say easy? What about if you actually enjoyed (at least a little

bit) the task that proceeded those crisp notes finding the way into your pocket?

Who knew all that wasted time playing video game could actually pay dividends? Thats right, it is now possible to win money through various online

tournaments that are run by companies like Virgin (disclaimer: again, you have actually need to be pretty competent in this field).

You may be familiar with the saying One mans trash is another mans treasure. Everybody loves the opportunity to make a little bit of extra cash.

Ok, so just starting a blog wont make you masses of money (in fact, it wont make you any money at all initially) but it could help you develop

some long-term gains as long as you dont suck at writing, anyway.

1)

Check the state of your savings accounts

Ok, I admit it, I lied. Simply take

advantage of these bets by placing the money on a dead cert and youll have the cash back for you to deposit into your bank! (Alternatively, keep on

betting until you lose all your winnings and rue your carelessness).

Well, thats where this article can help you (and your wallet) out. It will cost you nothing and youll get some top quality

advice on how to make some extra cash on your savings (or interest).

5)

Take advantage of free bets

Creating a free WordPress or Blogger account is straight-forward enough and from there you can monetize your venture by using some Google advertising.

BottomRight

So betting can actually lose you money (and we wouldnt want that, would we?) but there are ways you can manipulate sign-up offers to win some free money.

Often, online bookmakers will present new customers with an incentive to register usually involving a free bet of the value of 10 or higher. Although, I would suggest that you pack in the day job just yet.

2)

Flog your unwanted goods

Average:

Your rating: None Average: 3.5 (2 votes)

Dont kid yourself. But well, it does earn you money, so what are you

complaining for!? If youre not tied-down with extra-curricular commitments then have a stab at asking for some overtime from your employer. Check into your bank or building society and organise a meeting with a financial advisor. After some vigorous research (does Google count?), Ive been able to compile seven

unique ways of making money that doesnt involve slogging away from 9 to 5 everyday

Warning Signs Of A Bad Dentist

Patient comfort should not take precedence over patient health.

Flashy offices, expensive advertizing, and high prices are all red flags. These ideas are not rooted in science and have no consistent scientific research supporting them. A good reputation is better that rich clientele. Contacting a dentist affiliated with a dental school is a good idea.

As with any medical procedure or medication, avoid the words holistic and homeopathic. And do not be afraid to get a second opinion, especially for expensive or complicated procedures. His studies and experience make him a premier choice for dental patients looking for dental implants, dental veneers, laser teeth cleaning and many other cosmetic and restorative dental procedures. However, sedation is a serious procedure, and carries risks even when done properly. Seek a second or third opinion, but avoid these words and anyone who uses them. The solution to this is to shop around for a dentist. Modern medicine is the result of thousands of years of discovery and improvement, ignoring these achievements and choosing alternative medicine is gambling with your health. Some people who are terrified of the dentist would prefer to sleep through every procedure. So be on the lookout for these warning signs and find a dentist that is right for you.

By: Joseph Stan DDS

Article Directory: http://www.articledashboard.com

+Joseph Stan is a world renowned cosmetic and general dentist in Beverly Hills California. Beware of stern warnings of amalgam mercury poisoning, the dangers of fluoride, and recommend large amounts of dental work at a time.

There are many things to look for when choosing a dentist. This article will give you some tips that can make you aware of what to watch out for.

Warning signs

Many studies and reports have been done on the large variations in dental costs. Cosmetic dentistry has its place, but for most people, a cosmetic dentist is a bad fit for their general dental health needs.

Another warning sign is dentists who engage in scare tactics. Visit us today at www.josephstandds.com.

Is the dentist detached or uninterested in a personal relationship

Does the dentist talk down to you and preach or lecture you?

Does the dentist fail to provide you with treatment options?

Does the dentist fail to explain the procedures he his performing?

Does the dentist not care if you understand the treatment plan?

Does the dentist seem rushed?

Does the dentist suggest suspiciously expensive treatments?

Finding a good dentist can be hard, but more importantly, avoiding a bad dentist is crucial. Avoid dentists who try to up sell extra procedures with no health benefits. Make sure the dentist is interested in improving and maintaining you dental health, not maximizing profits.. Dentists are not allowed to share pricing information. A bad or unscrupulous dentist can at best cost you extra money, and at worst make you sick or even kill you.

Overuse of sedation is another thing to look for. Compare prices and ask friends, family, and co workers. Here are a few.

Question to Ask Yourself After A Dental Visit

Avoiding a bad dentist can save you a good deal of money and pain. Dentists who sell herbal or dietary supplements or vitamins should be researched carefully. While this works to prevent price fixing in the industry, it also means that pricing for dental procedures can vary wildly, even within a small area

Make Money The Easy Way Through Free Betting Offers

If you are extremely wise about your online bets then you can easily make huge amounts of money just by availing of your free betting offers. You must chose websites that have excellent customer service, user-friendly interface and most importantly they should be legitimate.

People are normally attracted to anything that come with the word “free” attached to it. You have to choose where you want to avail of the free betting offers. Some websites give away free betting offers as soon as you place your first bet. Current members of some websites are also given free betting offers each time they place some money on their account.

Free betting offers are not just for new members of online betting websites. It is also a way of rewarding their present clientele for their continued patronage of the website. It is like a “buy one, take one” promo where you get a free bet for every bet that you make. Our all new football odds and Football Betting Tips site features Champions league Odds, FA Cup Football Premier League Odds and the very best odds available for all your favourite clubs and their competitions.Also read my Blogs at Frankie Layne.

Free betting offers are in abundance on the internet but that does not mean that you should grab all of the free bets that you come across. It is very much like giving away free samples of some food item at the local grocery so that the public can find out how good it tastes and buy it.

Author’s Bio: 

If you are looking for future odds for tournaments like Football Bets or Free Betting Offers 2012 then you can find those on our site also. This means that you can easily make a fortune on free bets without even having to shell out any of your own money. .

Online bookmakers give away free betting offers as a way to entice bettors to their website. They rely on the premise that once you avail of the free betting offers then you will continue to patronize their website. This is a very effective way of enticing new clients simply because anything free is an offer that is really hard to resist.

If you are new to online betting then you have a lot to gain from free betting offers. Online betting websites give away free betting offers so that online bettors can try out their services and come back for more. In order to avail of free betting offers, you need to create an account with the online betting website. You do not have to create an account with all of the websites that give you a free bet. Free betting offers are special offers given away by online betting websites. Anything that is free is absolutely tempting and free betting offers are no exception. Old members can also benefit from these amazing free betting offers

PGA golf betting odds for players to win 2016 Hyundai Tournament of Champions

The 2015 PGA Championship major winner faces the same problems as Jordan Spieth here. Zach Johnson won the 2014 Hyundai Tournament of Champions by one stroke over Jordan Spieth so 20 to 1 odds on him look a little juicy this week.

The 2016 Hyundai Tournament of Champions golf tournament on the PGA Tour is taking place this week from January 7-10, 2016, on the Plantation Course at the Kapalua Resort located a few miles north of Lahaina on the west coast of Maui in Hawaii. Zach Johnson – 20 to 1

Brooks Koepka won the 2015 Phoenix Open to qualify for this event event. Justin Thomas – 22 to 1

J.B. He finished tied for 22nd here last year in his first start in this tournament.

T-28. The RSM Classic win was Kisner’s first win on the PGA Tour but he’s a better bet here than Justin Thomas because Kisner lost three playoffs on tour in 2015.

10. He tied for 29th place in 2009, and last year he finished alone in 33rd and last place.

T-20. Jordan Spieth – 4 to 1 odds

Bubba Watson won the 2015 Travelers Championship to qualify for this tournament. You know Dustin Johnson can win this tournament off a layoff because he won the Hyundai Tournament of Champions in 2013. Jimmy Walker – 35 to 1

Jimmy Walker won the 2015 Sony Open in Hawaii and 2015 Valero Texas Open to qualify for this tournament. Jason Day – 11/2

T-17. Padraig Harrington won the 2015 Honda Classic to qualify.

32. It is the first PGA tournament of the 2016 calendar year but not the first tournament of the 2016 season which began back in October of 2015.

Russell Knox won the 2015 WGC-HSBC Champions to qualify here. That was his first PGA Tour win. Patrick Reed – 10 to 1

All of the PGA golfers who won at least one tournament over the last year will be playing in the 2016 Hyundai Tournament of Champions except for Rory McIlroy, Justin Rose, Jim Furyk and Shane Lowry. That was McDowell’s third PGA Tour win. Steven Bowditch won the 2015 Byron Nelson. Love did tie for second in this tournament in 2009. Graeme McDowell – 28 to 1

T-15. Henry won the 2015 Barracuda Championship. Snedeker finished 3rd here in 2013.

12. Chris Kirk, Bill Haas – 66 to 1 odds each

Peter Malnati won the 2015 Sanderson Farms Championship to qualify and that was his first ever win. Russell Knox – 33 to 1

Patrick Reed is the defending champion at the Hyundai Tournament of Champions and he is 10 to 1 odds to repeat in 2016. Danny Lee, Scott Piercy, David Lingmerth – 60 to 1 odds each

T-25. Fabian Gomez, J.J. Reed won last year in a playoff with Jimmy Walker. That is Koepka’s only PGA Tour win to date, but he did win the 2014 Turkish Airlines Open on the European Tour. The best finish for Haas was a tie for 8th in 2011.

Rickie Fowler won both the Player’s Championship and the Deutsche Bank Championship in 2015 to qualify for this event. He’s got the talent to win here but 20 to 1 odds might be too light to bet him this week.

Alex Cejka won the 2015 Puerto Rico open to qualify here, while James Hahn won the 2015 Northern Trust Open. Kevin Kisner – 25 to 1

31. Peter Malnati, Davis Love, Padraig Harrington – 125 to 1 odds each

3. Lee and Lingmerth have only one once each on tour to date so they make their debuts in this tournament this week.. Do you want to take the low odds offered on him this week? Day did finish tied for 3rd here last year.

T-23. In 2014, Patrick Reed tied for 16th in this tournament.

Kevin Kisner won the 2015 RSM Classic to qualify for this tournament. Troy Merritt – 200 to 1

The Hyundai Tournament of Champions is a PGA event that can only be played by golfers who won a PGA tournament over the last year. That was Merritt’s only win on tour to date but he did beat runner-up Rickie Fowler by three strokes to win his first tournament and he’s 200 to 1 odds.

11. That event was shortened to 54 holes due to bad weather, though.

Justin Thomas won the 2015 CIMB Classic to qualify here. Piercy finished 12th here in 2012 and 13th in 2013. The big worry is that Jordan Spieth has not played in tournament in quite a while but the same is true for all his competitors this week too. Henry, Steven Bowditch – 150 to 1 odds each

Matt Every won the 2015 Arnold Palmer Invitational for his second win in that tournament in a row to qualify here. 2. Good luck to all the PGA golfers and especially the bettors this week at the 2016 Hyundai Tournament of Champions in Hawaii!

T-7. Jimmy Walker offers decent value here as he finished second in this tournament last year losing a playoff to winner Patrick Reed.

13. That was Grillo’s only PGA Tour win so far but he’s just 23 years old. Bubba finished tied for 4th place at the 2012 Hyundai Tournament of Champions. Holmes has not played well in this tournament in the past. Bubba Watson – 8 to 1

Emiliano Grillo won the 2015 Frys.com Open to qualify here. Brandt Snedeker won at Pebble Beach in 2015 to qualify here. That was his first win on tour so he’s long odds to win again this week but at least he’s 90 to 1.

22. Overall, it is a tremendous field to start the 2016 calendar year.

6. Brooks Koepka – 20 to 1

4. J.J. Holmes – 30 to 1

Jordan Spieth is a pretty heavy favorite to win the 2016 Hyundai Tournament of Champions at odds of 4 to 1. Dustin Johnson – 7 to 1

Chris Kirk won at Colonial in 2015 to qualify while Bill Haas won the Humana Challenge. Fowler finished tied for 6th here in 2013.

1. Here is a list of the betting odds for the PGA golfers to win the 2016 Hyundai Tournament of Champions.

T-7. That was Thomas’ only win on the PGA Tour to date and that makes him a tough bet here to win at just 22 to 1 odds.

9. Matt Every – 250 to 1

Smylie Kaufman won the 2015 Shriners for Children’s Open to qualify here. Prior to 2015, Rickie Fowler had only won the 2012 Wells Fargo Championship. His best finish here was a tie for 8th in 2007. That was Knox’s only PGA Tour win to date which makes him a tough bet here.

Danny Lee won the 2015 Greenbrier Classic, Scott Piercy won the 2015 Barbasol Championship, and David Lingmerth won the 2015 Memorial to qualify. Smylie Kaufman – 90 to 1

14. Emiliano Grillo, Brandt Senedeker – 40 to 1 odds each

5. The field includes all the golf major winners from last year in Jordan Spieth, Zach Johnson and Jason Day. J.B. He could certainly win this week.

Troy Merritt won the 2015 Quicken Loans National to qualify for the 2016 Hyundai Tournament of Champions. Both players won for the first time on the PGA Tour in 2015 so they are both making their debuts in the Hyundai Tournament of Champions in 2016.

All the odds for the 32 golfers in this tournament in 2016 are listed below with comments. So the biggest problem is do you want to take the low odds this week? Spieth finished second here in 2014.

Graeme McDowell won the OHL Classic at Mayakoba to qualify for this tournament. Every did not play well here last year, though, as he finished in a tie for 27th place.

Dustin Johnson won the 2015 WGC-Cadillac Championship to qualify here. Rickie Fowler – 16 to 1

Jason Day is the second choice in the betting odds at 11 to 2 to 1. Holmes won the 2015 Shell Houston Open to qualify here. Alex Cejka, James Hahn – 100 to 1 odds each

Zach Johnson won the 2015 British Open to qualify for this tournament. He’s a better value here than most of the one-time PGA Tour winners in the field. McDowell finished third in the Hyundai Tournament of Champions in 2011.

Fabian Gomez won the 2015 FedEx St. Kirk’s best finish in this tournament was a tie for 7th in 2012. Jude Classic to qualify. Davis Love won the 2015 Wyndham Championship at age 51

Creative Party Theme Ideas

And then, there is the casino party theme wherein you can set up casino games like poker, roulette, and baccarat right in your home.

Retro Party: Put on the music and get up of the mod era or the hippies’ era. Perhaps you could actually rehearse and make a small movie.

Fortune Telling: Hang beaded curtains, put up posters of witches and wizards on the walls, hang tinfoil cutouts shaped like stars and moons from the ceiling, use a glow lamp to highlight the center of the room, add lots of glow effects to enhance the ambiance of the theme. The food can be as ethnic as you want it to be, which can be spread on the floor as they do in the middle-eastern culture.

Some other creative themes are: A costume party, which is always a great hit, wherein the attire can be anything, from that of the royalty and nobles of the past, dressing up as Hollywood stars or celebrities, and so on. Given below are themes that should make your party a great success as well as memorable.

Starring in a Video: Get that camcorder out, or fix up a tripod and mount a camera on it, and start filming. They can choose any role they want to play, such as a character from a favorite movie or TV serial.

Disco Dancing: Oh yes, this is an all time favorite. The guests can prepare in advance for it. The go-go glasses, mini skirts, bell-bottoms, and of course the hair-dos and make-up. And of course wear gypsy style dresses with large hoop earrings, lots of chunky necklaces and bangles.. Arabian Nights: Spread out some thick, colorful carpets on the floor, and throw some large cushions and bolster pillows on them. Set up strobe lights, if you can, or fix a disco ball bang in the middle of your living room, and begin playing those Bee Gees, Diana Ross, Gloria Gaynor, and Barry White numbers. Don’t forget to tell your guests to come dressed in the ‘Saturday Night Fever’ look.

Whether it is a baby shower, birthday party, wedding anniversary, or a girl’s night out, there’s nothing like using a few creative theme ideas to spice up the event. Or it could be an interview style kind of show, a stand-up comedy, or mimicry show. Guests can wear slinky harem pants, pointed slip-on shoes, and turbans. Have hookahs, incense burning here and there, put up large posters of camels crossing the desert, and of course play some middle-eastern music. Or how about a Hawaiian theme with floral shirts and shorts for the men and grass skirts for the women, along with appropriate music. The invitations you send out, food, tableware, dcor, and of course the activities, can all be based on the theme you choose for your party. Play Beatles’ numbers or similar music of that time and groove to it

An Alternative To Venture Capital In The Food And Beverage Industry

MMC can either represent the small entrepreneurial firm looking for the smart money investment with the appropriate growth partner or the large industry player looking to enhance their new product strategy with this creative approach. These acquisitions have transformed Dean Foods from a low margin milk producer into a Wall Street standout with a growing stable of high margin, high growth brands.

For the Large Company Investor:

As we discussed the dynamics of this market, we were drawn to a merger and acquisition model commonly used in the technology industry that we felt could also be applied to the food and beverage industry. Here is why:

I recently connected with two old college mates from the Wharton Business School. Your natural inclination may be to seek venture capital or private equity to fund your growth, but that might not be the best path for you to take. Not bad for a $5 million bet on a new product in 1999. John’s entrepreneurial spirit prevailed and he left Coke to consult with early stage food and beverage companies on new product introductions and strategic partnerships.

1.Create access to a large funnel of developing technology and products.

3.Minor resource allocation to the autonomous operator during his skunk works market proving development stage.

5.By investing early and getting an equity position in a small company and favorable valuation metrics on the call option, they pay a fraction of the market price to what they would have to pay if they acquired the company once the product had proven successful.

Cisco seeks out investments in promising, small, technology companies and this approach has been a key element in their market dominance.

Dean’s profits have tripled in four years and the stock price has doubled since 2000, far outpacing the food industry average. We are in what we like to call, the early autumn of our careers after pursuing quite different paths initially. The same result from an industry giant was often in the $100 million to $250 million range.

4.Diversify their product development portfolio – because this approach provides for a relatively small investment in a greater number of opportunities fueled by the entrepreneurial spirit, they greatly improve the probability of creating a winner.

For every Hansen Natural or Red Bull, there are literally hundreds of companies that either flame out or never reach a critical mass beyond a loyal local market. They purchase a minority stake in the early stage company with a call option on acquiring the remainder at a later date with an agreed-upon valuation multiple. Wait, let’s not forget about our entrepreneur. What about that logical contestant that objectively weighs the facts and the odds and cashes out for $280,000?

John’s experience at Coke and Steve’s experience at ConAgra led them to the conclusion that new product introductions were most efficiently and cost effectively the purview of the smaller, nimble, low overhead company and not the food and beverage giants.

Dean Foods utilized this model successfully with their investment in White Wave, the producer of the market leading Silk Brand of organic Soy milk products. We have created a hybrid M&A model designed to bring the appropriate capital resources to you entrepreneurs. While allowing this entrepreneurial firm to operate autonomously, they backed them with leverage and a modest level of capital resources. This acquisition was the catalyst for several additional investments in the specialty/gourmet end of the milk industry.

Steve Hasselbeck is now a food industry consultant after spending 27 years with the various companies that were rolled up into ConAgra. They bring what we refer to as smart money to the high tech entrepreneur. There were hundreds of failures from the start-ups as well. After several experiences of rapid accent followed by an even more rapid decent as technologies and markets changed, Dave decided to pursue an investment banking practice to help technology companies. This success has triggered the aggressive introduction of new products and new channels of distribution. Their effective acquisition price totaling $229 million represents an 82% discount to White Wave’s 2005 market cap.

This model has successfully served the technology industry through periods of outstanding growth and market value creation.

We have taken the experiences of a beverage industry veteran, a food industry veteran and an investment banker and crafted a model that both large industry players and the small business owners are embracing. He is more likely to establish the critical mass needed for market leadership within his industry’s brief window of opportunity.

2.For the same level of dilution that an entrepreneur would get from a VC, angel investor or private equity group, the entrepreneur gets the performance leverage of smart money. Dave got the high tech bug early in his business life and pursued a career in high tech sales and marketing. In a recent discussion, John was describing the dynamics he saw with new product introductions in the food and beverage industry.

Dean Foods is reaping additional benefits. Sales for White Way were projected to hit $420 million in 2005.

2.Creates a very nimble, market sensitive, product development or R&D arm.

MidMarket Capital has created this model combining the food and beverage industry experience with the investment banking experience to structure these successful transactions. They do a tremendous amount of R&D and organic product development. It seems like the mentality of these smaller business owners is, using the example of the popular TV show, Deal or No Deal, to hold out for the $1 million briefcase. He observed that most of the blockbuster products were the result of an entrepreneurial effort from an early stage company bootstrapping its growth in a very cost conscious lean environment. Don’t get us wrong. His total proceeds of $229 million are a fantastic 5- year result for a little company with 1999 sales of under $20 million.

After graduation, Coke hired John as a management trainee in the sales and marketing discipline. However, the failure for the edgy little start-up resulted in losses in the $1 – $5 million range. Cisco Systems, the giant networking company, is a serial acquirer of companies. The entrepreneur will own a meaningful portion of a far bigger asset.

If you are an entrepreneur with a small food or beverage company looking to take it to the next level, this article should be of particular interest to you. John Blackington is a partner in Growth Partners, a consulting firm that advises food and beverage companies in all aspects of product introduction and market growth. Dean Foods acquired a 25% equity stake in White Wave in 1999 for $4 million. He has seen the introduction and the failed introduction of many food industry products.

Dave, John, and Steve stayed in touch over the years and would share business ideas. They recognize, however, that they cannot possibly capture all the new developments in this rapidly changing field through internal development alone.

1.The involvement of Cisco – resources, market presence, brand, distribution capability is a self fulfilling prophecy to your product’s success.

5.As an old Wharton professor used to ask, What would you rather have, all of a grape or part of a watermelon? That sums it up pretty well. See #1.

For the Entrepreneur: (Just substitute in your food or beverage industry giant’s name that is in your category for Cisco below). Many of the same dynamics are present in the food and beverage industry and these same transaction stru7ctures can be similarly employed to create value.

3.The entrepreneur gets to grow his business with Cisco’s support at a far more rapid pace than he could alone. The involvement of Cisco gives the product a much better probability of growing significantly. Dave Kauppi is now the president of MidMarket Capital, a M&A firm specializing in smaller technology based companies. It allows the entrepreneur to bring in smart money and to maintain control. This structure is a brilliantly elegant method to dramatically enhance the risk reward profile of new product introduction.

The big companies, with all their seeming advantages experienced a high failure rate in new product introductions and the losses resulting from this art of capturing the fickle consumer were substantial. Dave sold or managed in computer services, hardware, software, datacom, computer leasing and of course, a Dot Com. His experience was in managing products and channels. John grew his career at Coke and over the next 25 years held various positions in sales, marketing, and business development. Dean invested $5million initially, gave them access to their leverage, and exercised their call option for $224 million. Steve is familiar with almost every functional area within a large food company. When we contacted Steve, he confirmed that this was also his experience. Sales exploded and Dean exercised their call option on the remaining 75% equity in White Way in 2004 for $224 million.

4.He gets an exit strategy with an established valuation metric while the buyer helps him make his exit much more lucrative.

Given today’s valuation metrics for a company with White Way’s growth rate and profitability, their market cap is about $1.26 Billion, or 3 times trailing 12 months revenue. You might say that it has been his life’s work with his initial introduction to the industry as a Coke Route driver during his college summer breaks