Support Veterans at DEAJ Investments LLC Vending and Micro Markets @ilovevending

We Support Our Veterans and Go the Extra Mile

Welcome Vets4Warriors to DEAJ Investments LLC @iloveveninding. We are glad to have you as our recipient and our donation to the American Veterans through your organization.

We believe on your commitment to ensure that all veterans, service members, their families, and caregivers always have direct and immediate access to peer understanding. Peers who understands their life experiences and the challenges they face, and can provide support whenever they confront an issue, wherever they are in the world. Thus, this sparks on the start of our commitment to support this network to the best of our capability.

Support Veterans at DEAJ Investments LLC Vending and Micro Markets @ilovevending
Discover the Power of Connection with Our Veterans

We stake our brand @ilovevending, that we’ll support veterans of all generations and the entire military community.

Additionally, the company presents DEAJ Insurance and Investments Consulting, a subsidiary formed to take care of your Life, Disability, Health and Accident, HMO and Long-term Care insurance coverage needs. Check this out! We also do sell and market Medicare products and Final Expense.

Your Reliable Insurance and Investments Advisors

Your Reliable Insurance and Investments Advisors

The consulting business was created to provide professional and comprehensive insurance solutions tailored for individuals, families, and businesses on Life, Disability, Health and Accident (Medicare), and Long-term Care coverages. DEAJ Consulting is owned and managed by Spouses Dominic Espiritu and Divine Aranzanso Javier (DEAJ) and both are licensed insurance agents in the State of Texas.

We are not here just for the commissions but we are here for the long-term business relations and reputation that will be derived by providing the best suitable insurance and investments product meeting your personal and financial goals considering your present circumstance.

What You Should Know About Insurance

Life insurance provides a sense of financial security for both families and businesses. It can serve many purposes when developing a financial plan, such as addressing immediate cash needs or replacing income; however, before a client commits to purchasing an insurance policy, several factors require consideration. It’s important to identify each client’s needs for each insurance, and then help clients understand policy terms, conditions, and benefits. As your agent/broker, we can then guide clients to make the best purchase decision to meet coverage needs. We will guide you on your insurance and investment needs and uses, contract and policy provisions, the underwriting process, and various types of policies and coverages.

Take a look at our top tiered product Index Universal Life.

Disabilities, injuries, and illnesses can strike when least expected. With disability income insurance, consumers are protected from the financial losses that could arise if an accident or illness prevents them from working and receiving regular income. Producers have an important role in helping consumers and businesses plan for the unexpected with a wide variety of disability income products being offered.

When disability policies are issued, they contain terms and provisions common to most disability policies. Other terms and provisions are specific to the insurer or the profession/occupation of the insured. It is crucial for consumers to understand the terms commonly used by the majority of disability policies – Physician’s Care, Earnings and Prior Earnings of the Consumer, Pre-Existing Conditions, Pregnancy and Total Disability Benefit.

Dominic Hilario Espiritu Javier is CMS accredited to sell and market Medicare Products, Supplement and Advantage.

As the landscape of healthcare continues to evolve, Medicare is also changing and adapting to the needs of seniors and individuals with certain conditions. The insurance professionals who work in the Medicare market play an integral role each year in helping their clients navigate the changes and updates to the program. Long-term care refers to personal care and services provided to an individual who is unable to function without assistance for an extended period of time due to a physical or mental condition.  The health and well-being of care providers has come into increased focus along with this development, and various technological advances have emerged to provide long-term care recipients at home or in institutional settings with increased independence, convenience, and safety.

We are CMS certified!

Long-term Care at DEAJ Insurance and Investments Consulting

In the United States, seven out of ten seniors over age 65 will need some type of long-term care services during their lifetime, and approximately one-third of Americans will require care in a skilled nursing facility at some point in their lives due to changes in mobility, cognitive function, or both. When an individual’s level of mobility or cognitive function begins to change, they usually require assistance to perform normal activities of daily living (ADLs), such as bathing, eating, and getting dressed. Aging may gradually reduce one’s ability to comfortably do certain activities, but an individual may require assistance with daily activities due to a serious illness, while recovering from an injury, or after being discharged from the hospital following surgery. Often, those healing from medical conditions or procedures require short-term assistance for a few months; in other cases, care may be required for a lifetime.

Annuity Insurance is also what we offer depending on your financial goals specifically with a lifetime income to help you live your full potential and meet needs as they evolve — cash value accumulation, supplemental retirement income, college planning, and more. Some of its many benefits may surprise you.

The purpose of an annuity is to provide a steady stream of income at a future date. Although all annuity contracts share this basic structure, they range from simple to complex. Some annuities are designed to supply retirement income, while others offer tax advantages, employee benefit plan options, and excellent accumulation benefits. This will briefly reviews annuity basics, features, benefits, riders, and hybrid models with an emphasis on product suitability, client best interest standards, and adviser fiduciary responsibilities.

Originally, annuities were simple products designed to pay an income stream to an annuitant based on a lump sum of money deposited with the insurance company. Eventually, annuities designed to help accumulate retirement savings over time where introduced. Annuities are now used as tax-deferred accumulation products, as well as income-paying products, creating a future retirement income stream.

Annuity products contain unique features and lifetime income benefits designed to help individuals achieve their financial goals. Professionals licensed to sell, solicit, or negotiate annuity contracts are responsible for guiding their clients in selecting the contract benefits that suit their needs. They must also evaluate the costs against their clients’ financial risk tolerance and the desired outcome.

Essentially, Final Expense is a type of whole life insurance with smaller face amounts that run between $1,000 and $25,000, though a few insurers can offer up to $50,000 in coverage. You might even hear these policies referred to as “burial insurance” or “funeral insurance,” since the idea is to use the death benefit to pay for end-of-life arrangements. In reality, there aren’t any restrictions on how the death benefit can be spent.

Final Expense with DEAJ Insurance and Investments Consulting

This type of life insurance tends to be easier to qualify for than others. In most cases, final expense life insurance policies don’t require medical exams, so they can be a good option for someone with a pre-existing condition who can’t qualify for other types of life insurance.  And since these are smaller face amounts, the monthly premiums are also less expensive relative to policies with larger death benefits.

DEAJ Investments LLC presents DEAJ Insurance and Investments Consulting, a subsidiary formed to take care of your Life, Disability, Health and Accident, HMO and Long-term Care insurance coverage needs. Check this out!

Learn more by calling us. We are here to help acquire your best fit c0verage.

Contact Us…

Your Reliable Insurance and Investments Advisors

Dun and Bradstreet (D&B) is with DEAJ's @ilovevending

Inspire Confidence In Your Business With D&B D-U-N-S®

Showcase that your company has been assigned a D&B D-U-N-S® Number

Showcase that your company has been assigned a D&B D-U-N-S® Number

  1. D&B D-U-N-S Registered Seal for easy viewability on your website
  2. Company Profile visible to millions of visitors on the Dun & Bradstreet Business Directory.
Dun and Bradstreet (D&B) is with DEAJ's @ilovevending

A D&B D-U-N-S seal indicates a company as been assigned a Dun & Bradstreet D-U-N-S Registered Number.

In DEAJ, we respect and pride business traditions! We salute entrepreneurs!! Long live @ilovevending!!!

Additionally, the company presents DEAJ Insurance and Investments Consulting, a subsidiary formed to take care of your Life, Disability, Health and Accident, HMO and Long-term Care insurance coverage needs. Check this out! We also do sell and market Medicare products and Final Expense.

Marquis Who's Who

Marquis Whos Who Honors DEAJ as Listee in 2024

In February 22, 2024, DEAJ Investments LLC was honored to be a listee in Marquis Who’s Who. We are proud to be a member of Marquis, a reputable business listing organization established in the United States of America since 1898.

Marquis Who's Who

In DEAJ, we respect and pride business traditions! We salute entrepreneurs!! Long live @ilovevending!!!

Additionally, the company presents DEAJ Insurance and Investments Consulting, a subsidiary formed to take care of your Life, Disability, Health and Accident, HMO and Long-term Care insurance coverage needs. Check this out! We also do sell and market Medicare products and Final Expense.

Vending Dallas Fort Worth

Cultivate Small Business (CSB) – 2023 Fall Cohort

The company, DEAJ Investments LLC, was privilege to be selected by Santander Bank to participate on its Cultivate Small Business Cohort 8 specially designed for small businesses in Miami, Dallas and Philadelphia. Babson College was the academic school imparting entrepreneurial thought and action. Distinguished professors like Candida Brush and Brad George among others shared their entrepreneurial experiences and academia approach in becoming a successful entrepreneur. We’re proud to say, we were the only vending machine company in this cohort. The rest were in the restaurant, catering and baking business.

These academic online teachings and workshops which lasted for four months, I’d rate this learning experience as superb and practical. At the end of the course, each student who lasted was required a final action plan to complete the course – CSB Action Plan presentation and a 3-Minute Pitch.

I’d like to share with you the CSB Action Plan presentation prepared in Power Point. Here it goes…

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Additionally, the company presents DEAJ Insurance and Investments Consulting, a subsidiary formed to take care of your Life, Disability, Health and Accident, HMO and Long-term Care insurance coverage needs. Check this out! We also do sell and market Medicare products and Final Expense.

Vending Operations in DFW, DEAJ is now with Chubb Insurance

Vending Operations in DFW, DEAJ is now with Chubb Insurance

DEAJ’s Vending Operations in DFW, General Liability and Property Insurance Policies now with Chubb effective 1st February 2023.

Chubb Insurance is the world’s largest publicly traded P&C insurance company and the leading commercial lines insurer in the U.S. With operations in 54 countries and territories, Chubb provides commercial, personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance. And surely, we’ve got these insurance coverages for your protection! Consequently, DEAJ’s Vending Operations in DFW shares the same value of service and pay of claims on a fairly and promptly manner.

Chubb is also defined by its extensive product and service offerings, broad distribution capabilities, direct-to-consumer platform partnerships, exceptional financial strength and local operations globally. The company serves multinational corporations, mid-size companies and small businesses with property and casualty insurances. As a small business enterprise, we are happy to have Chubb Insurance in our midst of operations.

Chubb has more than $200 billion in assets and reported $46.8 billion of gross premiums written in 2021. Chubb’s core operating insurance companies maintain financial strength ratings of AA from Standard & Poor’s and A++ from A.M. Best.

Chubb Limited, the parent company of Chubb, is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index.

Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs approximately 34,000 people worldwide.

Try Our Vending Machines in DFW

So, when you’ll need your very first vending machine in your business or school, or simply wanting to replace your current vending machine provider, Try Us!

Fill-up the contact form. Or, may give us call at (214)513-0287 and/or drop us an email at info@ilovevending.com. Surely, we’ll be glad to get back to you in no time.

Cash and Stocks Planning (Every Vendor Should Know)

It is interesting when vending machines are fully stocked in a manner of variety and quantity. It is definitely appealing to the eyes of patrons and soon to be customers. But of course, it will definitely be pleasing to the vendor when each and every bin of the vending machine spins and product sells fast making the vending machine a way-to-go due to an effective plan-0-gram. An essential tool in the business along with the cash and stocks planning.

We’ve had discussions on an effective merchandising plan in vending machines via plan-0-grams techniques and management last July post. And, I think it was helpful to know how merchandise planning vibrantly expressed the art of vending machine staying effective with our customers, thus eventually staying profitable at all times.

The Vending Machine Plan-o-gram

As stated earlier, Plan-o-gram is the art of planning of products to be merchandised, and it is the principle behind merchandising such as product selection, product arrangement and competitive pricing. Eventually, the ultimate goals of the plan-o-grams is to plan product purchasing, financial budgeting, product distribution and vending machine effectively display-appealing keeping in mind our customer’s satisfaction all the time 24/7!

Above definition is however, just one side of the coin. Equally, the other side is the cost of the products, a subset of financial budgeting where vendors have to be careful with staying afloat with a healthy cash flow. Cautiously to mention, the planning of stock purchases for becomes overwhelming specially when dealing with multiple machines of distant locations serving unique sets of customers. Thus, plan-0-gram management becomes challenging when multiple vending machines come into play.

Thus, given such scenario needing new products for vending machines serving different sets of customers in various locations, the Cash and Stocks Purchasing template should be it achieving superb planning.

Template – Cash and Stocks Planning (an example)

A. Current Inventory:

  1. Coke Regular 12.0 oz 23 cans
  2. Coke Zero 12.0 oz 25 cans
  3. Propel Water 6 bottles
  4. Chester Fries 45 packs
  5. Duches Donut 13 packs

B. Cash Position, Beginning: $210.15

C. Bill(s) to Pay: $187.15

  1. Spectrum Internet $134.15
  2. Water Bill $53.00

D. Stocks to Purchase: $162.18

  1. Coke Reg 12.0z 2 cases/70 cans
  2. Sprite 12 oz 1 case/35 cans
  3. Doritos Nachos 2 boxes/100 packs
  4. Chester Fries 1 box/50 packs
  5. Otis Spunkmeyer 2 boxes/30 pieces
  6. Ozarka Water 16.0oz 1 case/40 bottles

E. Cash Collections: $111.40

  1. Mill ES $32.00
  2. Marcus HS $43.00
  3. Inspired Living $23.15
  4. Boxer Irving $13.25

F. Cash Position, Ending: -$27.78

G. Ending Inventory:

  1. Coke…

The How’s in Cash and Stocks Planning

  1. Review respective vending machine’s plan-o-gram and determine what products to purchase.
  2. Determine immediate payables so as not to omit any of these schedules that will cause unnecessary penalty fees and interest expenses.
  3. Needless to say, know your cash balance for this particular route.
  4. Determine the cash sales of each respective vending machine and in this example, which is my route 3, such cash collection information were made available with the aid of telemetry.
  5. Given the above, the Cash Position, Ending (F.) can be determined. So with the Ending Inventory (G.), which shall be used for the next set of vending machines that are or are nearing low inventory.

Please Note…

The template doesn’t have to be a formal accounting document. However, one that can be followed by your manager. book keeper and yourself effectively. Financially speaking, it is not a receipt nor a voucher that requires signatures that eventually is booked into accounting records. It is however, a note for daily cash planning aiding to see the cash position that will be derived from the template – cash and stocks planning of a vending machine or group of vending machines that need to be re-stocked and merchandised immediately.

Please note, it is of essence the end result of template is to efficiently use the cash available on hand and of that will be collected from each vending machine. Save the credit sales which definitely wouldn’t be yet be available on the very time of purchasing.

In Essence…

I feel this is a very good and practical way every vendor should use managing the cash flow efficiently at all times. This is worth a tool to stay afloat, at least for smaller vendors, in the vending machine business. Take note, inventory is about 60% of your operating capital at any given point in time.

Free Full line Vending Machine and Unattended Sales Kiosks of Snacks, Drinks and Coffee in DFW Dallas Fort Worth Denton Flower Mound Lewisville Dallas Carrolton Coppell

Foot Traffic and Location Analysis, The Better Business

Investments or Expenses, Recover As Fast As Possible

As we already know, continuous investments are imperative in the vending machine business – having a good traffic and location. New locations, maintenance and repairs, and upgrades entail large cash outflows affecting budgets significantly. In the eyes of the accountant, such cash outflows are investments improving the company’s asset ledger. Thus, requiring return on investments or ROI, as fast as possible. In the eyes of the entrepreneur, cash outflows are earmarked expenses fueling the wheel of sales and profit as well.

Noticeably, both agree on shaping-up the company’s financial ledger. Thus, on both points of view – the investment point of view (the accountant’s) and the expense point of view (the entrepreneur’s), agreement on assumptions, method of analysis and sales projections should be established soundly.  And, how do we that? Firstly, establishing the numbers using the foot traffic count and secondly, performing location analysis based on the traffic count.

Foot Traffic Count Surveys in the Foot Traffic and Location Analysis

Following are sets of profiled traffic count surveys made in offices, public libraries and hospitals to name a few. Typical counts are also conducted in schools, manufacturing plants and senior living facilities:

Large Office in Dallas, Texas
Foot Traffic and Location Analysis
A Profile of a Large Office in Dallas
Public Library in Lewisville, Denton DFW
Foot Traffic and Location Analysis
A Profile of a Public Library in Lewisville
Foot Traffic in Flower Mound DFW
Foot Traffic and Location Analysis
A Profile of a Public Hospital in Flower Mound

Prospective Customer Classification

Normally, the manpower complement is basically divided into two classifications, the internal customers and the external customers. The internal customers are generally office employees and customers in offices and public libraries, and patients/patrons categorized in hospitals and senior living facilities, and are categorized as prospective customers who stays inside the office. The external customers are field employees, contractors and suppliers, and are categorized as prospective customers who come and go in the office.

Computing the Foot Traffic Count

After tabulating the actual foot traffic counts for each manpower complement over the days intervals, say Mondays, Wednesdays and weekends, you will have to average the counts of the chosen days intervals for each manpower complement in preparation of applying the established drop-in rate. After applying the drop-in rate, the estimated sales over the weekdays and weekends are obtained.

Finally, the total count of the foot traffic count is achieved by summing up the estimated sales count per day column. And, that is the number you’ll decide whether a placement of a vending machine in the location under study is a go or no go!

Looks simple enough, right?

Establishing the Drop-in Rate in the Foot Traffic and Location Analysis

It is worth mentioning the drop-in rate in this article however it is lengthy in scope and requires deeper analysis to appreciate its value in foot traffic and location analysis. Drop-in rate analysis requires insights on the location where the vending machine(s) will be placed and experience in vending machine sales and operations. As prologue to this topic, it should not be isolated foot traffic and location analysis at any rate. It is just a topic worth being its own article.

In Essence…

Gone are the days assuming certain locations is a go without making a study. If so, investment figures and payback periods will suffers. And, thus definitely, hurting your ROI. At this point, it is imperative, the lack of sound assumptions, method of analysis and sales projections will hurt the entrepreneur deeply.

We have similar and helpful topics on traffic analysis, drop-in evaluation and profit and loss based on the outcomes at DEAJ Oil and Gas Downstream Marketing Retail website at http://deajoilgas.com. Enjoy reading!

Contactless EMV Compliance G4 and G5 in DFW

Way to EMV, Because We Care for Our Customers!

What is EMV?

EMV is a security standard jointly created by Europay, Mastercard, and Visa that reduces the chance of in-person credit/debit card fraud and increases the security of consumer financial data.

Why is DEAJ Making This Change to EMV?

To incentivize adoption of the EMV security requirements on cashless card readers, the processors began charging monthly fines for all merchants accepting non-EMV contactless (“tap”) payments in May 2022. While our Cashless Reader Providers have been absorbing these fines for us, their customers, we were left with two options: 1) sunset the affected devices completely, or 2) remove contactless payment acceptance on non-EMV devices. 

We believe removing contactless payments was the better of the two options to support our customers in the light of these new requirements.

What does it mean to no longer accept contactless (“Tap”) payments?

This means that debit and credit card “tap” payments will no longer be processed on non-EMV Seed and ePort readers. Mobile wallet payments will also no longer be accepted. However, magswipe payments will continue as normal. Starting December 1, 2022, all non-EMV readers remaining in the field will have MSD contactless turned off, which means consumers will no longer be able to “tap” with a card or mobile wallet (i.e. Apple Pay, Google Pay, etc.) on any non-EMV device. Instead, consumers will be required to swipe their card to complete a transaction.  

Is this for the vending business?

NO!

Nowadays, our contactless payments accounts to about 13% of total vending sales. Removing mobile payments like Apple Pay, Google Pay, etc. will restrict payment options to customers, and limiting to just cash and/or credit cards, will definitely and significantly affect sales of the vending operators.

And, What are we doing with regards to EMV?

Contactless Payment System Upgrade to Cantaloupe’s EMV!

In compliance to the internet connectivity upgrade to the G4/G5 system in USA, we are switching our cashless and contactless payment system to Cantaloupe’s EMV Seed Live Cashless Plus for all vending machine installation in DFW (Dallas, Fort Worth and Denton) starting 1st August 2022.

The Way To Go with Vending Machine Plan-o-gram

Product Merchandising

Nice to see a vending machine fully stocked at all times similarly to gondolas in any convenience store. And, we’ll agree, nearly empty machines are eye soar to the shopper. However, is it not better to see vending machines fully stocked but filled with varieties of products to choose from? And better, vending machines fully stocked and merchandised according to the needs, expectation and impulse of the customers? Thus, a plan-o-gram should surely help in the merchandising management in the eyes of the vending operator.

Product merchandising is a skill any vending operator must have, and more so of a discipline, if you want better results on sales and business profitability. The ultimate tool for product merchandising is the plan-o-gram. Basically, a plan-o-gram, is the planning of products to be merchandised, and the principle behind merchandising is product selection, product arrangement and competitive pricing.

Look into one of my plan-o-gram in a vending machine of a senior living facility in Lewisville in North Texas. The machine is located in the break room of the facility’s employees. Thus, you will see, employees would primarily look for affordable products that will sustain their energy while at work. In full line vending machines, the two departments are snacks and cold drinks. The product mix of the snack department consists primarily of chips and cracklings, cookies and biscuits, chocolates, gums and nuts; and the cold drinks consists primarily of soft drinks, energy drinks, juices and bottled water.

The Vending Machine Plan-o-gram

Vending Machine Plan-o-gram in DFW Dallas Fort Worth Denton
Plan-o-gram of a Full Line Seaga Infinity Vending Machine

We should always emphasize the merchandising capacity of vending machines are limiting when compared to micro-markets and convenience stores. However, vending machines are good sources of snacks and drinks catering to the impulse need of an identified small group of customers, say a break room of about 20 employees. Unless, the vending machine operator invest in more vending machines which will impede the mere purpose of serving a small group of employees in a confined facility, the space needed in cases of small break rooms, power consumption and, lest the profitability of the vending operator.

Since we are starting to use Cantaloupe’s latest Seed Cashless+payment system, we’d like to share our latest plan-o-gram worksheet.

Way to Go on Vending Machine Plan-o-gram

Plan-o-gram is the planning of products merchandised, and the principle behind merchandising is product selection, product arrangement and competitive pricing. Eventually, the ultimate goals of the plan-o-grams are to plan for product purchasing, financial budgeting, product distribution and vending machine merchandising keeping in mind our customer’s satisfaction all the time 24/7!

We have similar and helpful topics on traffic analysis, drop-in evaluation and profit and loss based on the outcomes at DEAJ Oil and Gas Downstream Marketing Retail website at http://deajoilgas.com. Enjoy reading!