Friday, October 31, 2008

Benefits of Separating Personal Credit from Business Credit - Building Credit for Your Business

Sometimes, people who intend to go into businesses may consider the option of using personal financial resources to fund their ventures than building business credit. Some things people use to start a business are personal savings, using their retirement funds and even, the worst thing in the world, getting a loan from family and friends. These assets can also be used to further expand an existing business to impel growth and expansion.

You may think that using personal assets for your business would be a much easier thing to do than trying to get business credit. The long term benefits for your business are tenfold when you separate your business credit from your personal credit.

The major benefit is you’re avoiding risking you and your family’s personal assets. You can’t deny that owning your own business is a risk, whether you’re having success or dealing with financial challenges. Using personal assets to fund a business (especially a troubled one) just increases stress if you’re a business owner and can really make things worse.

Apart from the personal liability, a business owner may also be vulnerable to whatever legal actions resulting from an impending bankruptcy. To protect one from having to go through these adverse consequences, it would be best to separate personal and business finances early on and start building business credit history.

Your business will benefit in using it’s available credit to fund day to day operations. Well you would account for all spending much easier using the funds allocated for your business. This makes it easier for you to organize your documents correctly should you need to apply for more credit. In general, this would help you be more efficient in managing the business.

Having its own business credit would also help an enterprise build a favorable business credit score. You can get this by paying on time and using your credit funds efficiently. A year or two of practicing this and the business owner can actually approach another lender for business credit with higher credit limit, lowered interest rates, and flexible payment terms.

However, there are still some lenders who would require some sort of collateral before they approve your credit application. If you really have to, get a good interest rate so you can make your payments on time and improve your chances of getting unsecured business line of credit the next time around.

For more information on building credit for your business go to

Secured and Unsecured Business Credit Cards - Should You Really Care About Them?

There may come a time when your business will need credit to make it grow. You don't have to worry about getting credit if your company has good credit. What if have bad credit and really need money to keep your business going? One of the products lenders can probably offer you is unsecured business cards for bad credit. But before you decide on get one, it really would do you good to determine the features of both secured and unsecured business credit cards.


As the name suggests, a secured business credit card is obtained after you put up a collateral, most specifically a separate bank account that is both active and stable. This is because some lenders may opt to offset some of the risks associated with lending to a company with bad credit score by getting a guarantee for future payments. Additionally, the amount granted to your company would not be as high as you would prefer. They may start you off slow and offer less than the amount you applied for. As a result, your ability to make huge purchases with a business credit card would be hindered greatly. You'll have to be more creative and work harder for growth and expansion of your business. A low rate is a possible benefit a secured business credit card.


Considering the pros and cons of secured business credit card, a lot of companies still opt to apply for unsecured business credit cards for bad credit. This type of loan can be obtained without putting your house or assets up as collateral to back the loan. However, you may be looking at high interest rates. That’s because unsecured business credit cards do carry a high risk to lenders compared to secured ones.


Those who have obtained unsecured business credit cards for bad credit also need to keep a close eye on their transactions, since this type of credit card also has more stringent payment terms. However, businesses may readily be granted with this financing tool, providing ready funds for expenditures.


Hence, it would really be beneficial to your small business if you determine first which type of financing your company needs. Getting secured business credit cards lessen the chances for your company to incur escalating debts. While unsecured business credit cards can make building debt easy. It would also pay to review the payment terms of these business credit cards and select the one your company can realistically work with. Know that obtaining business credit cards despite your bad credit is an opportunity in itself to turn your business around and clear your unfavorable credit score as well. With proper procedures in place, as well as following payment terms, your goals can be readily achieved.   


For more information on unsecured business credit cards for bad credit, visit, a web site that provides business credit building information to small and home businesses.

Wednesday, October 29, 2008

How To Run Your Carpet Cleaning Business

Carpets deteriorate when full of dirt and dust or due to spills and stains, commonly caused by ink, coffee, milk, wine and pancake syrups. The use of carpets in houses and commercial buildings allow any dirt to easily be accumulated. More often than not, a carpet gathers the most amount of dirt in the home.

The pile of the carpet can easily accumulate mites, molds and other bacteria if the carpet is not cleaned properly. If your carpet is not cleaned regularly, bacteria and microbes which are harmful to your health can live in the pile. Strive to prevent this from happening by freeing your carpet from dirt.

Why Should You Start A Carpet Cleaning Business?

People have other commitments and find it hard to make the time to clean their carpets properly. There is no reason why you cannot start up your own carpet cleaning service.

Like all business start-up, a carpet cleaning business can be hard to start and there are risks involved. Business revenue and customers' satisfaction are risks that involved in any business. The quality of your service should not be adversely affected: you must satisfy your customers in order to increase your pool of loyal customers.

Can You Run Your Carpet Cleaning Business Successfully?

Great passionate is required if the carpet cleaning service is to be successful. To operate your business successfully, you should possess some key qualities.

  1. You should be accountable and be able to accept challenges.
  2. Being confident that you can find customers quickly and clean up their carpets easily is required.
  3. Being eager and asking customer for their feedback is a positive quality which will lift your business to the next level. 
  4. You have to have the desire to achieve your goals, you have to make sure to accomplish all those tasks you have each day.

Customer Satisfaction Is The Key To Your Success

You should seek to provide first class customer satisfaction by cleaning carpets deep down. Nowadays people have no time to maintain their carpets, they rely on you to clean them to a high stardard.

You always have to think about your customers' satisfaction since they can help you gain more and more customers through word-of-mouth.

Keith Lee, owner of multiple businesses.
To find out more about Carpet Cleaning Franchise, visit

Work At Home Moms The Ideal Way To live

Work at home jobs are especially beneficial to moms who need to stay at home to look after their children. Thousands of work at home moms look to find jobs on line, these online jobs, help stay at home moms to get a suitable job and thereby earn a little extra cash each month.

If you do search for a home based job, remember you will not need to sacrifice any of your parental responsibility. Then the ideal home based jobs for you would be customer service, online surveys, data entry processing, virtual assistants, online tutor and so forth. You will need to have some basic computer experience for this type of work.

Usually work at home work at home moms select data entry processing jobs, these jobs do not require a lot of effort and time. All you need to fill out the forms that are provided to you, at your own speed.

Virtual assistants jobs however sometimes require qualifications. These jobs are suitable for moms who have previous experience in administration or clerical work. Virtual assistants can earn an income similar to a personal assistant in the real world. However you need to provide regular hours. Moms of older children can try these jobs, which are also a great way to get back into the career mode after timeout.

Online tutors are a another ideal job for stay at home moms. There are various Internet based companies that offer help to students of all age groups. If you have previous experience in teaching, you can should look at becoming a tutor online

If you have good command over the English language, then ghost writing may be a suitable home based job for you. You can write articles, books, stories or reports on behalf of customers and get paid for your services. Normally this type of work does have deadlines, so there will be more pressure for finishing the job in a determined time period. But if enjoy writing, a job as a freelance writer could be the ideal solution working from home.

Transcription jobs are also suitable for stay at home moms. You need to transcribe the documents and edit records. Transcription jobs do require some special knowledge and so you need to normally do a short course and training.

Work at home moms enjoy the fun and relaxing of atmosphere of working at home and all this is without sacrificing their family life or routine.

For further free information about Legitimate Work At Home Jobs try visiting Free Work At Home Help


Tuesday, October 28, 2008

Unsecured Business Lines of Credit – A Quick Look

If you're a small business owner that needs to increase cash flow for bigger projects that expand your business, then an unsecured line of credit may help. What is an unsecured business lines of credit? Well, unsecured business lines of credit will help your small business defray costs of unexpected expenditures that sometimes occur while doing business. When uses correctly you'll be able to prevent cash flow problems from ever happening again. The good thing is you don’t have to put up your personal assets as collateral.


Consequently, the terms of payment for this kind of loan are quite steep. Also the interest rate is relatively higher. These types of lines of credit are also very hard to obtain. Having a favorable credit score is also another requirement the applying business must have when applying. The business credit score report is actually a vital document as lenders will use it to evaluate your loan application.


Once obtained, unsecured lines of credit can actually help your company manage its cash flow. It allows your company to make purchases despite having no available funds. In this way, business operations need not be interrupted or delayed. In addition, unsecured business lines of credit can be a tool for company growth and expansion. Plus when it comes to working on your client projects, the line of credit will come in handy.


Remember, it would also help to evaluate the payment terms and interest rates being offered. Make sure your payment expectations are quite realistic so as to avoid the debt from accumulating. Once prompt payments are made, there are improved chances for your business to obtain the same kind of loan with higher credit limits the next time you approach lenders whom you have impressed with your commitment. Good credit practices will show in your business crdit score, you'll look good to the lender and with your peers in the corporate community as well.


For more information on building business credit, go to

Need help finding a third party credit cards processor?

Getting third party credit card processors is one of the vital things you will be required to do for your ecommerce web site. Without a merchant acct you will not be able to process sales efficiently which will seriously hold back your business growth.

If you wish to accept credit card orders swiftly and effectively on the web you will want to choose a 3rd party creditcard processor. There are a number of options for you to think about. The majority will charge a set up fee and a percentage of each transaction. Unlike common bank-issued merchant account, most 3rd partycreditcard processors do not charge monthly fees and a few can be free apart from the per item fee. Here’s a site listing third party processors. Let us inspect a few popular ones:

Pay-Pal is one of the most popular third party processors. One of the reasons for this is the fact that they do not charge a start up payment. It is also straightforward to start up on your website. Pay pal gives great information for this and will also offer subscription and shopping cart options for your clients. It is commonly used but is also has problems. There are limitations on certain territories with paypal. This type of processing is good to initially start with but try to have an alternative one as backup for your customers

Worldpay has a small set up fee but it is very good for global businesses. It offers similar services as pay pal.

Another option to third party creditcard processing is to acquire a full blown merchant account and take card payment in the name of your company. This will take a while and could involve different fees such as monthly gateway access fees. Deciding whether to get a full merchant card processing account or use a 3rd party processor is simply a question of crunching the numbers.

Home Based GDI Business

GDI Int.

Global Domains International Inc- GDI is a very popular and easy home based business opportunity

GDI provides many choices of ready made websites for members to use for their promotion. This is very useful for anyone who is new to internet and do not know how to create websites.

When you sign up with GDI, you will be given 3 main URL to use as stated below and by adding your username (the one you choose when you sign up) to the rear of the URL, the websites will be customized with your name and contact information.

Here are some examples:


What many GDI members do not realize is that, you are NOT limited to the 3 basic websites designs provided. There are many designs to choose from and the selections can be found in the members area as shown in the Video above.

You can customize the 3 URL to point to 3 different website designs all with your name on. Or you can even select a random website design so every time someone visits your URL, they will see a different web design!

Customized Flash Video Presentation

There is even a very cool flash video you can use to direct prospects to which not many GDI members are aware of. Visit this page: Global Domains International Tips to See the Flash Video which can be customized with your name.

If you are already a GDI WS member and like to use the flash video, just go to:

1. go to your members area, click on “My Replicated Sites”,
2. select the domain URL you want to use to point to the flash video,
3. select “Direct Flash Presentation” or copy the URL to use.

If you are not a member yet, you can try out the system FREE as they have a 7 days FREE trial offer with no obligations to continue. This is your opportunity to your own Passive Residual Income

Of course, if you know your HTML and want to build your own website, you can use the domain and hosting provided to build your own GDI website or even your personal website with banners and links to your ready-made GDI websites. You have the right to choose.

You can find out more tips on how to promote Global Domains International Int - the easy home based network marketing business at and download a special report on GDI.

Monday, October 27, 2008

Steps to Writing Good Headlines

Headlines are very important in Advertising

Here, you will learn how to write headlines for your business.

First, get some paper and pencil and start by doing the following. Ask yourself this question. "What are the main reasons your customers acquire, desire or seek your product or service? In other words, what is the primary benefit or value, result or improvement or reduction or avoidance they end up receivingwhen they use your product service or business?

You should have several answers to this question. When you get them, arrange them by the most valuable and specific and the most frequently desired.

How many ways can you specifically measure the effect or benefit your product or service for a consumer? Write as many as you can on paper.
Now run through each one of the elements I shared with you and apply it by adapting it to your situation.

For example, pick out a few of the words that work wonders, and try adding them to the result your product or service produces. Example, how to rid yourself of stress overnight ... announcing a way to get twice the productivity out of every hour you drive to work. "Amazing discovery, get the job of three people done for the cost of just one," etc.

Take each one of these "wonder words" and try your hand at writing a powerful headline.
Repeat with the tested "key word," making sure you write each statement or cluster of thoughts down separately.

Don't stop now since the fun has just begun.

An important word about your ROI return on investment.
Great copywriters and legendary sales trainers spend days... sometimes weeks... laboring over the details of a headline or opening statement for sales presentation.


Because, those "pros" know how much of pay-off this process produces. Don't limit yourself to writing just one single headline. The great masters I've learned from would write no less than 100 different approaches before they selected the three to five best, most powerful selections they would test out. You should not settle for anything less. The more headlines you write, the more this mind set will become your own.

If you feel uncomfortable at first, that's perfectly normal. Try this simple way, when you get stuck, ask yourself to fill in the blank describing the most powerful result your product or service provides. If you were talking to a customer about this result you'd be telling them how to what? Once you fill in the blank with the answer to the result your product or service, you've written your first really good headline so keep going!

You can Download a Free copy of "100 Greatest Headlines Ever Writen" at Jay Abraham Video - to get an idea of how attention grabbing headlines should be written. You may use the headlines you downloaded, tweak on them to use in your own advertising campaigns.

Learn more about Jay Abraham the super consultant that charges $5000 an hour whom consulted the famous Anthony Robbins at website Marketing Genius Jay Abraham and his super income building home study system.

Merchant Account Comparison - A Quick Guide To Compare Merchant Accounts

Taking credit card orders is massively important to any business wanting to successfully sell goods and services on the Internet. Back in the early days of the Internet it was accepted that using credit cards for Internet purchases was not a good idea, because it was trying to apply a dirt-world system to the Internet. Lots of businesses tried to offer "micro payment" currencies eg "beenz", but none of the e-currencies took off. The truth is, ten years on from the people starting to sell on the web, still typing in credit card numbers to buy online and so accepting credit cards when offering goods online is still hugely important.

There are basically two ways to accept credit cards online. Let's compare merchant accounts. Businesses can either apply for their own merchant account, which allows the business to process credit cards via a bank gateway, or the business can elect to use the services of a third party processor, who processed the credit card charges on behalf of the merchant. Obtaining a full merchant account costs more initially, but has smaller per item charges. Using a third party payment service costs less upfront, but has more expensive per item costs.

Making the decision as to whether or not to go for a full credit card processing account or use a third party service provider is only a question of crunching the numbers. Consider these different business types and compare merchant account benefits...

In most cases, merchants who are already trading locally and simply want to expand online will be more suited to getting a merchant card processing account. Most likely, It's most likely that they will already have a real world merchant card processing account and will tailor that account to also do "MOTO", which is "Mail Order Telephone Order" processing and only means that the cardholder is not there at the time of purchase.

For micro businesses starting to sell products online, it is think about testing their sales using a third party payment service. The advantage to the new business is that there's hardly any initial cost which means they can test their business model easily and cheaply. If sales boom, they can think about decrease the per-transaction fees by getting their own merchant account. If sales are poor, they can quickly leave the marketplace without having spent a lot of cash to get their own merchant card processing account.

How to Make Money with Vending Machines

I have been working for years with vending machiens and I decided to write an article to explain more about vending machines. Are you thinkin in starting your own vending machine business? OK, let's consider the following; What is the most impostant part about vending machines? Location, location and location - This is a business where the location of the machines is absolutely critical to the success of the business. The location must attract significant foot traffic. Locations often buy a vending machine that is an overkill for a small account, or they buy an undersized vending machine that requires filling every other day. Even though it is fun pulling the cash out of the machine, you will prefer to do it weekly rather than daily!

Locations tell our distributors everyday that the energy vending machine has cut their coffee bill in half. Our vending machine was made the same size as a coffee pot on purpose. Locations to start vending machine business: Successful locations are restaurants, bowling alleys, skating rinks, shopping malls, Boys and Girls Clubs, Laundromats, theaters, high schools, colleges, markets, coffee shops, banks, automotive centers, taverns, near vegetable markets and apartment complexes. Always be on the look out for more obscure locations that could prove to be really favorable. Locating through an in-person vending locator will only lead to disaster because most of the time, they are clueless beings who just want to get the job done without caring for your needs. It is better that you secure vending locations through a telemarketer since telemarketers have updated leads and can easily make the call to negotiate with business managers, in different locations, where you want your machines to be placed.

Services are now solely dependent on the consumer, who wants products that are easily accessible with little to no hassle. Due to the demand of machines and the constant rush everyone is in, the vending business has started to reap the benefits, and has answered the desire of our new robotic world with a large variety of national brand name products in vending machines. Servicing your machines regularly will make your business work. Servicing them takes all of five minutes plus drive time, candy shopping, coin counting, and accounting. Really, I only spend a couple of days a month on my candy business, and I can take a six week vacation if I want without a sweat, so good luck with your starting your own vending machine business .

Sunday, October 26, 2008

Review Of The Internet Marketing Center

"Learn The Strategies A 23-Year-Old Inner City Kid Is Using To Make $66,000+ Each Month On The Internet...

...And Discover How YOU Can Duplicate
His Success!"

Product Review:

"The Insider Secrets to Marketing Your Business
on the Internet -- VERSION 2008

By Derek Gehl and The Internet Marketing Center

I've just finished reading the step-by-step guide considered by many to be the Internet marketing BIBLE -- "The Insider Secrets to Marketing Your Business on the Internet VERSION 2008"...

... And I have to tell you I'm completely blown away by the sheer volume of money-making information Derek Gehl has managed to pack in!

"Insider Secrets" reveals the *exact* step-by-step formula the Internet Marketing Center (of which Derek is the CEO) has used to grow a $25 investment to over $60,000,000 in online sales.

And it's hot off the presses after being updated for 2008 with the very latest cutting-edge strategies for profiting online!

In TWO 8" x 11" full color binders containing 800+ pages, broken down into 64 lessons, this system is packed FULL of:

  • Step-by-step Internet marketing strategies for both Internet newbies AND experienced website owners

  • Action Plans at the end of every lesson telling you the EXACT steps you need to take next

  • In-depth case studies of successful e-business owners (like inner city kid Jermaine G., who raked in over $800,000 last year teaching people how to play the piano online!)

I'm really impressed by the combination of basic AND advanced website profit strategies Derek has poured into "Insider Secrets"...

... So if you're a total Internet newbie, you'll learn how to transform your hobbies and passions into a lucrative online business you can grow from scratch!

And if you already have an Internet business, the advanced sections of this system will show you how you can send your online profits through the ceiling!

After testing out a handful of the strategies myself, I was left speechless by how effective -- and profitable -- each one was...

In "Insider Secrets VERSION 2008," you'll discover:

  • FREE tools and resources you can use to easily build a website in less than a few hours -- even if you have ZERO web design experience!

  • How to develop your new product (at no cost!) in under 2 weeks!

  • The secrets to growing an opt-in list like crazy -- even on websites that get almost NO traffic!

  • Little-known, one-minute salescopy trick that can increase online sales by up to 714%... or more!

  • How to recruit an ARMY of eager salespeople for zero money up front
    -- you don't pay them until they make a sale!

  • The most lucrative, no-brainer product to sell on the Internet -- how does 100% NET PROFIT sound?

  • How to score a top ranking in the search engines and directories like Google, Yahoo!, AltaVista, ODP, AllTheWeb, Ask, and others!

    ... And that's barely scratching the surface!

But Derek Gehl doesn't stop there...

He also throws in FIVE super bonuses -- including 4 resource CDs and one DVD -- with additional lessons, examples, interviews, and website reviews!

I give Insider Secrets VERSION 2008 a perfect 10 out of 10 without hesitation.

And the cool part is that you can take this step-by-step blueprint to online profits out for a test drive RISK FREE!

To find out how, click here now...

Saturday, October 25, 2008

Discover The New Trend For Advertising And Marketing Products

For more information about how things work in article marketing also check out Free Article Marketing Information.

Today I'm going to talk about article marketing and how it has changed the face of the Internet. With the Internet as the new venue for business, article marketing has become the new trend for advertising and marketing products to consumers. These articles do not only provide information on a variety of topics, it also allows visitors to see the sites. It is because of this wide range of content why it is so easy now to research over the Internet.

Article marketing, if you are not yet familiar with the field, is the use of articles to help introduce the products that the sites are selling. These articles will often contain a bio box and a byline that will include the name of the business and the contact information. Article marketing is also used in increasing the rank of a site in search engines like Yahoo and Google.

You see, the more articles you put into the directory, the better will your site's search results will be. Of course, websites that are on top of the sites will have more visitors and in turn better sales from the increased consumer viewing.

A site that has reliable and good content will not only expect the support of the online viewers but also advertisers who feel that they will be viewed more in the website. These companies are called online advertisers.

Some online advertisers can post their advertisement for free in exchange for a percentage of the income generated by the ads or the number of views of the ad. Some sites however sell their space to online advertisers. The pop up advertisements that you see in yahoo every time you open the search engine is an example of this paid advertisement.

But this usage of articles in article marketing has also led to the decrease in content and structure quality of the write-ups. Because many sites are putting in more articles than they can finish, the articles are often haphazardly done and unfinished. Many will contain grammar mistakes and even wrong spelling. Some sites will even have unfinished articles with the paragraph all about the topic you searched on but the body of the article about an entirely different topics. It will take you a while before you can sort out everything.

The trend of article marketing has also led to a lot of copied content or rephrased content. When you try keyword search and click on the websites that come out in the results, you will notice that a lot of them will have the same content. Some will have the same exact content while others will just be a re-written version of the original that was posted.

From being used as a way to increase the credibility of the product and giving information to the consumers and researchers, article marketing has become a business that has squeezed out the quality from the articles that are posted.

Because of this, researchers on the internet have been cautioned to only check the websites that are being kept by reliable sources such as universities, government agencies, foreign organizations and research facilities. Some sources of information over the internet are not actually to be trusted when it comes to content and originality.

Article marketing has definitely changed the face of the Internet. The question is: Is it for the better or for the worse? We will have to wait and see in the future.

A Work At Home Business-6 Vital Tips To Your Success

There are a large and vast array of business opportunities available to you, that will allow to work at home and become free from the 9 to 5 routine. It is not a new concept to start a work at home business. There are many older type home based businesses, Such as, child day care, candle making, catering and much more. However the internet has largely improved the home based business opportunities.

If you do consider a home based business as an option, then it is better for you to have a passion for it. You will need to work hard, especially when first starting. If you are dedicated and put the effort in, then you will gain the rewards once your home business is established.

A work at home business does initially require hard work, but at the same time you have the freedom of working at home and spending more time with your family.

Before you start your business, you need to plan well and decide which type is going to suit you. Also consider, what is right for others, may not be right for you.

It is not the easiest of tasks starting a work at home business. First you must consider what the risks are, also does it require a large or small investment to start it. You could always seek the help of an small business adviser, just to be on the safe side.

Here are some essential tips for starting a work at home business.

Before you start a home based business, think about organising it properly. this will save you any unnecessary delays. The following advice is essential for home business success

1. A phone with unlimited long distance calling option, caller Id, Voice mail, call forwarding and anonymous call rejection.

2. It is a absolute must to have a calendar.

3. A Computer with high speed internet connection, flash player, Adobe reader etc, are also important. You can use email software like outlook or outlook express for business email and it looks more professional than the free services.

4. A good filing system is extremely important, this is so you are organised and can work more efficiently.

5. Use a instant messenger service to communicate with your online contacts and getting your questions answered. This will leave your phone line open for incoming calls from prospective customers.

6. If you need to, use a room in your home for business purposes. But make sure you will be able to work peacefully there

These are simple steps, but if you follow them, they will help you start your business and run it successfully.

Friday, October 24, 2008

How Can I Start Accepting Credit Cards?

Becoming a creditcards processor online is simple. All you have to do is to choose the correct 3rd party processor. They take care of the tranactions made at your web site and will frequently manage any instances of creditcard fraud. It is critical to recognize that not all these enterprises are identical and you must do your groundwork vigilantly before you opt for one.

Here are some strategies to help you.


Think about your business needs: comprehend your target market. Does your business have a quantity of international clients? Then be sure the payment processor will be able to service different countries without problems. Will you be taking advertising on your site? Some payment processors like 2Checkout will not service advertising payments. Are you setting up your business or established? Check out start up fees and calculate your expenses accordingly. You may desire to go with a no cost company like Paypal or a different Internet-based credit card processor.

If you choose Paypal you should have a back up service provider: pay pal is renowned for determining that you are in receipt of too many payments and just putting a hold on your account. If you have a product which could be a best seller be wary and have a second payment processor ready. This will also add to your integrity in your customer’s eyes and you'll increase your sales.

Pay attention to details: be sure there aren't any hidden fees. Some credit card payment processors will make everything look alluring up front, however when you look closer you will observe that you have to pay separate fees every month. Worse still you may even have to pay more money when you make less than a definite sum. If you are a new company you do not want to get trapped with this agreement.
Make sure the business is not going to tie you down you in an annual agreement. You don't know what your position will be in a year or how trustworthy the new company will be. Try to find a solution that will let you cancel whenever you want to.

Thursday, October 23, 2008

Personal Commitment

Commitment refers to a promise or assurance. It is one of the most important personal qualities that any any employer in the IT industry would expect.

One must have the inclination to fulfill one's professional commitment at all costs. Often, adherence to commitment may cost you your time, effort, or other resources. But the greatest personal satisfaction is derived from delivering results and keeping up your commitment.

In everyday work situations, you may demonstrate commitment in several ways. One of the most common situation which causes irritation to many clients to many clients, as well as peers, is the delay in replaying to mails or retuning phone calls. or passing on messages to somebody who was out of seat. These are instances when others would acknowledge your personal commitment and trustworthiness in the organization. Even if there is no correct response ready, the promise to get back in a time frame is usually well appreciated.

Personal commitment and sincerity is also called for in situations when you have to deliver any goods, services, or any sub-task of a project, on time to your internal or external customer. You are expected to put in hard work to meet any commitment. Planning and scheduling skills are helpful in such situations, which involves accomplishing a task thoroughly with concern for all aspects, no matter how small, One must establish a course of action to accomplish specific goals.

Every deliverable must be on time. Remember, Result matter, Reasons don't. Excuses have no place and would invariably create a negative impression.

To avoid situations where you may give excuses, do the following :

- Seek help and get the required resources, in situations where some resources may be lacking
- Avoid procrastination and do the task at hand
- Follow-up with others, if a particular decision pertaining to your task has not yet been taken
- Seek help if there is insufficient time for completion of a task

Network Marketing Success - The Lies And Truth

You have seen all the internet sites advertising huge network marketing success stories. Dream homes and cars, yachts, cruise vacations - it is all there. But are these stories for real, or just a network marketing scam? And why do those people have success and despite all your work, you don't?

Part of the answer can be found in the methods that your MLM company is teaching you. Achieving success in network marketing requires more than faith in your company, their product and methods.

There is a missing component that many network marketers simply dismiss. They do not realize how important it is to the success of their business. And the truth is, it is probably the one biggest ingredient in the recipe for network marketing success ... the investment that you make in YOURSELF.

Investing In Myself - What Does That Really Mean?

Simple. Just give your success mindset a solid foundation. Without it, climbing your way to the top of the heap is nearly impossible. But did you know you can copy from others to achieve your own success?

You can do this by hanging out with those who have that millionaire or even billionaire mindset. Most of us do not have access to them in person, but it doesn't matter. The best way to do this is by simply reading - or even better, listening to - motivational material from truly successful people.

This could be a famous person like Jack Canfield, Dan Millman or Tony Robbins, or a top network marketer like Ann Sieg. It makes no difference, as long as it is a successful person that you respect.

There is an old theory that if you hang out long enough with successful people then your mindset begins to change. You begin to talk, think and act like them. That is the power of listening to motivational material on a daily basis! It can completely change your attitude, especially regarding your own true worth and expectations.

Listening to mindset motivational material every day is incredibly powerful. Eventually, it will begin to rub off. You will be stunned by the transformation that takes place in your life when it does. Mindset is truly a key element in building your network marketing success.

It can seem miraculous. When you are building a network marketing business, the truth is, this material is simply gold.

What else is your network marketing company hiding from you? Find out the truth in Ann Sieg's 7 Lies Of Network Marketing - pick up your copy for free today.

Read more about network marketing at

Review Of 7 Lies Of Network Marketing By Ann Sieg

Doing any network marketing or MLM? Then this new 7 Great Lies Of Network Marketing review is especially for you. Read on and then make up your mind whether you should invest a minute or two looking at Ann Sieg's groundbreaking free report for yourself.

This hard-hitting report sure has caused some strong reactions throughout the MLM scene. Some people are angry, others are praising it to the skies. Her strongest fans are network marketers who are dissatisfied with their earnings in their network marketing or MLM business.

If you are close to the edge in your network marketing or MLM business, it is not just you! Take a look at these scary figures

- Around 90 percent of people joining an MLM company leave in less than 3 months. Why? For most of them, it is too difficult and costs too much in time and money.

- Over 95% - that's 19 in 20 - will drop out in the first 12 months.

- Even more frightening, up to 8 in 10 do not even experience the excitement of sponsoring their first downline member. The others most often only bring in one or two people, who then leave within a few months.

If you are a distributor for a MLM or network marketing business and you are worried by these figures then you are right to feel that way! Ann has set out in writing what a lot of experienced MLMers have been afraid to say. She lays bare all of the tales that many if not all of us have believed (and are repeating to our downlines) about building a prosperous MLM or network marketing business.

When I first saw the name of this report '7 Lies Of Network Marketing' I will tell you that I figured it would just be more MLM bashing. But having read the report, I found that my guess was quite wrong. After setting out the 'lies' that you should not listen to, Ann explains how you can still be successful in MLM - while blanking out the myths that you have probably been taught.

Network marketing or MLM can be a wonderful process for achieving success and financial freedom yet as I said above, the vast majority fail before they have hardly started. Why? Because we are still being instructed in marketing methods that are long out of date.

'Your business will be built for you ... everybody wants your product ... there is no selling ... anyone can do this ...' Have you heard these statements before? Ann's free report reveals them as nothing more than myths.

But there are a lot of successful MLMers out there - and armed with up to date techniques, you could be among them. Begin with the help of Ann's free report The 7 Great Lies Of Network Marketing here.

Wednesday, October 22, 2008

How to Start a Profitable Craft Business

A good way to cash in on your artistic and creative skills can be to establish a craft business. It may be that you had never ever thought about commencing with creating innovative and attractive crafts for earning profits secured by their sale. The thought might also be coming to your mind at this point of time about whether at all such craft business plan can be executable in a gainful manner by you. However, with figures available indicating a high success rate among such craft business endeavors you can take heart. After all, this business will only be requiring nominal start up costs and the beautiful craft objects created can be kept as adornments for a long, long time even if no suitable customer turns up for purchasing them.


Common craft products that help yield profits


A craft business can be done with any item chosen from among the variety of craft products like flower arrangements, jewelry, clay items, wood crafts, soft toys, handicraft goods, paper crafts, stained glass crafts, crafts made from scraps, hand painting, hand printing, craft involving electronics, leather craft and so on. It is voguish to make use of many of these craft products and hence their sales hold immense prospects of profit making.


Initial start-up cost considerations


Since the initial start-up costs of a craft business is nominal, requiring only the buying of necessary equipment and accessories for making the crafts this is not hard to bear. The banks, financial institutions, money lenders and trade associations also seem pretty eager to finance such businesses. So, financing will not be a problem. However, owing to the low start-up costs financing may not at all be needed.


Considerations for successful starting of craft business


Prior to starting up the business with the objective of making profits it is important to-

  • Understand the market and set up products that meet the market requirements.
  • Set the right price of the products that are low enough to make sales yet high enough to cover the cost of the materials and secure a neat profit margin.

Advertising and employment of suitable marketing methods play an important part in ensuring a successful crafts business. The following advertising and marketing suggestions come handy in setting up a profitable crafts business-

  • Attending of craft fairs
  • Setting up of a website that seek to promote the crafts business products
  • Giving ads in local newspapers, carrying out advertising in the yellow pages and printing of pamphlets and brochures.
  • Making arrangements for bringing in samples to jewelry stores, gift stores etc.

The starting up of a profitable crafts business often does not call for any special skills, experience, equipment or formal training. A number of easy to follow instruction manuals are available that may be used as references for going about with manufacturing of the crafts products. The Internet too acts as a wonderful resource for providing guidelines about preparing crafts products. Thus, with some creativity, guidance and help you can gainfully proceed with your crafts business.


Is Graduate Distance Learning Taken Seriously By Businesses?

One of the biggest reasons why people resist graduate distance learning programs available online is that people won't think the degree is worth as much on the employment market as one received from a traditional campus. When it comes to getting your MBA, this fear is unfounded. Businesses take an MBA acquired by graduate distance learning to be just as valid as an MBA from a campus.

The Not So Far Future

The job market is tighter than ever, with many applications being filled out for each job. Within your present company this competitiveness also applies for promotions. Having an MBA can give your resume that huge neon sign that can set it apart from all of the other candidates-any kind of MBA.

There is also the cost of gasoline to be considered when you are pursuing a master's degree in business. The price is going up and up. Experts predict that gasoline will continue to skyrocket and not come back down to even three dollars a gallon any more. This is why distance learning for an MBA is now more advantageous than ever. Soon, it might cost more to get gas to and from your class than your MBA costs.

Employers realize that nearly everything changes, including the nature of how we are educated. In the last few years, graduate distance learning programs have attracted top named instructors and been started by prominent schools, including Drexel University and UCLA.

One Word Of Warning

About the only word of warning about graduate distance learning MBAs is that not all are alike. The school or university that offers the course needs to have this distance learning MBA course accredited. (That means "it counts as a real degree".) If you are not sure if the college online graduate distance learning course is accredited, you need to check with your employer, with your state's laws and with a regional accrediting agency. Don't take the university's claims at face value.

Also, try to avoid graduate distance learning classes offered by schools that are entirely virtual campuses and don'tt have a real building to call home. Although this trend might diminish in coming years, for now any degrees form virtual only campuses are generally looked down on by employers as not being "the real deal". Be sure to avoid any school that has "virtual" or "online" in their names, as this also gives a bad impression to potential employers.

Are Graduate Distance Learning degrees taken seriously? The answer is yes, depending on the school you enroll in. To read more pieces of writing on distance learning visit,

Organized Workplace

One of the most common factor contributing to building your image and impression on others, is invariably the sight of your workplace. It is perhaps the first thing that would strike any person interacting with you at your workplace. General neatness and an organizes workplace goes a long way in reflecting your personal effectiveness.

While you may have different kinds of workplaces, most can be effectively organized and made functional. Some may have a state of the art modular workstation, while others may just have a table and chair to work on. Whatever be the situation, you can always customize it. The objective is to have a workspace which is functional, convenient and which would provide small but important things within your reach when you need it and also have the frequently used items in place.

The following are some guidelines to create an organized workspace:

- Divide your soft board (if you have one) into functional areas for pinning up, say, project related charts, schedulers like planners, calendars, phone list, etc. and some space for putting up pictures, messages, etc.

- Remove unwanted pin-ups, old messages, etc. periodically

- Have a "Mail Bag" or "While i am out" boxes or envelopes pinned on the soft boxes or envelops pinned on the soft board for mails, messages etc. to be put in while you are away

- Have a "Today's Schedule" pinned up and mention the place and phone number where you could be contacted during the day, in case you are out meeting clients

- Reserve one of the table drawers or a corner spaces for keeping items like stapler, pins, punching machine, scale, pencil, eraser, visiting cards, stick-on pad, etc.

- If a stapler is kept for use by a group of people at a common place, say, next to a printer, fasten it to a string to avoid it being misplaced

- Keep a bunch of unused printouts or recycled papers for taking down messages, scribbling, etc.

Tuesday, October 21, 2008

The Veretekk System - Is It For You?

The Veretekk System will allow you to exit the corporate rat-race and build an enormous profit center through ingenious dirt cheap advertising techniques, easy to use automation and serious prospect traffic delivered right to your site. A system, that can make anyone a small fortune.

This "Veretekk" Marketing System is so powerful, it allowed me to start a business on a part-time basis and drive so many new prospects and customers to my business over a 30 day period that I quit my job as a chemical engineer. Now, I'm on target to make more money in the next 2 years than I could have made in my old job in 10 years.
Jim Landers, San Francisco, CA

I more than tripled my income in a few short months and I'm looking at total financial freedom in the shortest time I've ever imagined. Everybody should use this system!
Pam Price, Palm Springs, CA

By the way, I had a good friend recently try and interest me in another internet leads program and wanted to know what I thought. So, I went to check it out because this is one of the "good deals" on leads going right now. Here's what I found .... Cost: $90, $150 or $250 per month (for 100, 200 or 400 leads). I then wanted to know where the leads came from. Guess what?!! These leads strictly come from two sources -- a computer drawing site and a vacation giveaway site! Of course, I told my friend that I already had those very same kind of sites and much more - and not only that, but it costs me much, much less and there was no ceiling on the number of leads I could get as I get better and better at promoting those sites. It's good because the leads I generate are solely mine, so not shared with others as you get in other lead programs. Needless to say, that got this person into our system and working in my down line now!
Karen Sanchez, San Francisco, CA

I wanted to be sure to say hello and let you know I've signed up three people last week alone into the Veretkk system that I routed to from your Traffic Portals. The Market Center presentation is really good. I get prospects to go to Money-Machine site .... this leads them to a survey to complete .... and after the survey they are directed to the Market Center, which presents the system and my company. They can enroll from there. The Traffic Portals are all proven ways of obtaining prospects and attracting people into your system and database so that you can then promote your business to them. But, long hard work has taught me that you just don't hit someone right on the head with your opportunity prior to gaining some sort of stronger reach by them to find out more about how you earn your money, your business, etc. Attract them, get them interested in what your doing, and then show them how to find out about your business. I've been pretty agressive on the Internet for awhile and using various resources available (and paying for them!). For example, one that I had was the "" site that has a good presentation on doing business on the Internet, with a good survey/interview after the "Flash" presentation. I was paying $19.95 a month for it. The Money-Machine "Flash" presentation is upbeat and superior!, I decided I could easily cancel the other, save some money, and send prospects to the Money-Machine site instead. The money-machine gives us a unique site for us to promote as a presentation on doing business on the Internet, AND it leads them directly to finding out about your company. AND it costs the same as that other presentation, but with LOTS more in the entire system itself right here in the Inetekk system!! In the last month I've cancelled two programs that combined were costing me $58.00 per month that this system now completely takes care of for me. Fact!
Andy Wright

Business Opportunities and Work at Home Jobs

One thing that you need in order to be successful at work at home jobs and business opportunities is vision. Vision helps you see the whole portrait as it was meant to be seen. Vision adds balance, control, and proportion to how you see work at home jobs and business opportunities. Focus is also just as important. However, while focus lets you see an aspect of a whole clearly, it has the tendency to close off the rest of the portrait. Focus will help you succeed in your chosen work at home jobs and business opportunities. And as long as you don’t lose sight of vision, focus is not a bad thing.

To comprise fortunate at work at home jobs and business opportunities, you demand to believe a couple of affairs into account. In this article, we have compiled a list of some of these things and a brief description of each.

Work at Home Jobs and Business Opportunities – The Objective

When you’re aiming for success in your work at home jobs and business opportunities, you need to set goals for yourself. In that way, you will have a clear view of your objectives and it would be much easier for you to accomplish what you have set to accomplish. At this point of your search for work at home jobs and business opportunities, ask yourself the following questions:

* Why do I want to go into business?

* Where do I want to be in three month’s time, in six months, in a year?

* What will it take for me to get there?

* Do I believe in what I’m selling? 

The answers to all these questions will become the foundation for your success in your chosen work at home jobs and business opportunities.

Work at Home Jobs and Business Opportunities – Knowledge Base

Knowledge base serves as your background, your resource pool from where you will draw much in order to perform well at your work at home jobs and business opportunities. Ask yourself this question: Are you familiar with anything and everything that pertains to the products and services you are offering? Will you be able to represent these products and services in the face of a client? Also, it is important that you have immediate access to all training materials and other resources which may be helpful and instrumental in your success at your work at home jobs and business opportunities.

Monday, October 20, 2008

Ideas and Advantages of a Home Business

There are many advantages to starting a home business. You can work from the comfort of your home, which can be convenient if you need to take care of your children, or if circumstances prevent you from leaving your house. You can add to your household income and save money on gas. On the other hand, starting a home business can be hard. You need to find great ideas that will allow you to sell a product or a service that people will want and need. You will need to have a good financial strategy that will allow you to maximize your capital so that you can get the most profit. Moreover, you need to keep your business running, and to sustain it through the highs and lows of your market.

A good home business starts with a good home base business idea. You can look for ideas for your home business by examining what your community needs and wants. Is there something that you can provide, and that you can do to improve your community? Is there something profitable that will allow you to help people in your community, or give them something that they want but cannot have? You can also talk to home business owners about how and where they got their ideas for their home businesses. For more information, you can also consult books about home business owners: read about how these great people got their ideas, and how they started their businesses.

Look for all the help that you can get, but trust your instincts. Go through books on how to set up your own home business, scour home business specialty websites to get ideas on what you need to prepare and who you need to approach, and talk to a lawyer or a home business expert on what paperwork you need to fill out for your home business. However, books and websites, and even lawyers or home business experts, will have different opinions on what needs to be done to get your home business started. In the end, you will have to gather all the advice that you have received, sort out what you need, and use your learning to help you start up your business.

At one point, you will need a home based business plan. There are many different formats, but in general, you will need to talk about what your product or service is for, how you intend to market it, how much money you have and how you intend to spend it, and what you will do in case your home business folds. Depending on what you are offering in your home business, you will have other aspects to add, such as accounting, papers and forms to be submitted to different government offices, and the like. A business plan will guide you through your home business and keep you on the right track.

These are only a few tips that you may want to consider as you start up your home business. If you know how to do something, or if you have something to offer that you know your community needs, then find a way for you to make money doing it while giving your community products and services. Sustain your home business by always checking with your clients on how good your products and services are. With good planning and know how, you can make your home business work.


Learn About the Home-Based Business Franchise

Home-based businesses are a great way for a wide variety of people to earn money. For single parents, home-based businesses allow them to make money and earn income, all without leaving the home and keeping the kids happy.

For people who cannot make it into the workplace due to difficult circumstances, such as disability or incomplete education, a home-based business can be a great way to do the things that they want without having to worry if they meet certain work requirements. Home-based businesses are also springing up across the world because of rising gas prices and the general state of world economies.

However, a home-based business can be difficult to set up, and if you already own one, it can be difficult to maintain. As a result, some home-based businesses have developed a franchise system, where they can spread the word about their business by offering it to people who want to own a home-based business, but who do not have the resources to set up a business. Franchise systems can also work in favor of the business, since it can increase visibility, marketing reach, and therefore, sales.

If you want to set up a home-based business but still do not have the financial resources to put up your own company, then you may be able to own a franchise. Go online to look for an available home based business franchise. There are listings in different websites, where the home-based businesses are placed in a directory and classified according to the products and services that they offer.

Look for a home based franchise that offers products or services that you enjoy using, or that you think you will enjoy providing. More importantly, look for a franchise that will allow you to meet the needs of your community. You may also need to look for a franchise that will fit your budget, so take note of how much money you have so that you do not overestimate yourself.

A very popular choice right now is the cleaning business franchise sector.  The demand for residential cleaning is doubling every year.  Therefore, more and more services are needed to keep up with this demand.

The advantage of having a home business franchise is that you do not need to go through the paperwork and labor of building your business from the ground up. However, you will need to abide by strict sets of rules, and you may be doing things that you may not agree with.

On the other hand, if you own or are thinking of starting a home business and are seeking to branch out, you can look for ways to organize a franchise. There are rules and laws that govern the making of franchises, so you will need to consult with franchise and business experts on what you need to do in order to organize franchises.

Your business will also need to have established itself in terms of organization and product or service quality, so you will need to evaluate your offerings first and see how well you are doing in terms of output. Having a franchise means spreading the word about a business that has already proven itself, so don’t spread your wings unless you’re sure you’ll fly.

These are only a few things that you need to remember about home-based business franchises. As with larger businesses, you will need to know how to go about getting a franchise or organizing one, and you will need to know the laws governing franchises. With a lot of know-how, and with a good home-based business, you can earn the money that you need.


Sunday, October 19, 2008

5 Signs You Need to Hire An Outsourced Writer

Are you a website owner who relies on fresh content to help you make money?  If so, you may do your own article writing.  This approach is nice, but could you benefit from outsourcing these articles?  In most cases, you can.  In fact, five signs that you should hire an outsourced writer are outlined below.

1 – Your Website Quickly Takes Off

Whether you have a content filled website or a website where you sell a product or a service, content is king.  It helps you generate traffic.  This traffic is needed to see a profit.  The more internet users that visit your website, the better your chances are for making money.  Since content is so important, you should have lots of it on your website.  In fact, readers like to see fresh content.  They are more likely to return to a website they know is updated.

As great as it is to see your website traffic and sales increasing, you may not be able to keep up with the pace.  In that case, you need to hire an outsourced writer.  

2 – You Want to Explore Other Opportunities Online

Selling a product, a service or making money through affiliate programs are just three of the many ways that you can make money online.  Do you want to increase your earnings?  If so, experiment with other moneymaking opportunities.  Unfortunately, you may not be able to do so if you must write ten new articles a week.  If you think that you are held back because of article writing, outsource the work.

What is nice about hiring a professional web content writer is that they can write quality articles at a quicker rate of speed.

3 – You Have a Fulltime Job

Yes, it is possible to make a fulltime income running a website that is filled with advertisements or products for sale, but many are cautious of doing so.  Some find it too risky to quick their fulltime job.  If you are one of those individuals, you may use the internet to make money in your spare time.  Since you may not have time to keep your website updated with unique articles, you should consider outsourcing.  

4 – You Have a Family

Similar to having a fulltime job, if you have a family at home, you may not have the time to devote 24 hours a day to running your website.  If fact, you may not even have 8 hours to devote.  The best way to make money online, especially with websites and blogs, is to keep them updated.  Marketing is also important and can be time consuming.  To ensure that you make money online, but also get to spend quality time with your family, outsource some of your article writing projects.  You and your family will be glad that you did.

5 – You Don’t Want to Do the Work

The above mentioned reasons are all great reasons for hiring an outsourcer, but you really don’t need to have a reason.  If you want to make money online, but without having to do any physical work yourself, outsourcing is the way to go.

If you opt to outsource all or a portion of your article writing projects, remember to keep profit in mind.  Quality articles are more than worth the extra costs, but make sure you can profit from them.

Residual Passive income with GDI


Global Domains International Inc is a domain name company that decided to take its domain name business to the world market by creating a network marketing package which is available to everyone who uses the product.

The product is a top level domain name of dot WS or .WS which means Website, web hosting provision up to 100MB or TEN pages if you use the provided WYSIWYG web builder, email addresses and other hosting options. The cost is $10 a month.

The interesting thing about Global Domains International is unlike most MLM that require you to buy the product first, GDI allows you 7 Days to try their product FREE.

The surprising thing is that 85% of people who try the Free Trial STAY and continue to make money. This speaks mountains about the product and the potential of the multi-level marketing opportunity. People like the set-up of the system, the available ready made banners, splash pages, movies and other advertising materials. They see the huge potential of the returns and the opportunity to earn Residual Passive Income. The cost is just USD 10 per month. Most people spend that on a burger!

They also like the ease with which enable them to create their own homepage and offers a chance to get their own domain name.

Anyone has any doubt about GDI?

Is GDI Inc a Scam?

Well, Global Domains International Inc is a debt free company, has a huge growth rate, thousands of people are already in the business that pays to their paypal account or cheque monthly without delay. With such a low investment and high potential return, no wonder everyone is signing up to join the GDI network.

You can read more about Global Domains International GDI and how to successfully promote GDI at where you can download a Free network marketing report and useful softwares to promote the GDI WS business.

Being On-time and Prepared

The IT Industry places great emphasis on the habits of being on time and prepared. This can be demonstrated in virtually any context, which involves the time factor, for example, attending meetings. In the present times, when the value of time is perhaps appreciated more than ever before, being on time and and delivering results on schedule, every time, assumes greater significance. In this context, planning and scheduling skills are important. You must be realistic in planning for activities, prioritizing and scheduling them and also set aside some buffer time for meeting any contingencies. For example, if you have to deliver part of a project at the end of the day, you must identify the activities to be completed, say making calls to clients, testing your application for errors and generating reports, prioritize these in terms of importance and allocate time for each. Remember Do First Things First.

Apart from the fact that you that you must be on time for any meetings or commitments, you must also be prepared for the occasion. For example, you may have to do your homework, compile data, or go through related materials, before attending a meeting, so that the time spent is most fruitful an utilized.

The following checklist would help you go prepared for meetings:

- Go through the agenda
- Confirm the venue, room, etc.
- Know the chairperson
- Familiarize yourself with the topic
- Compile all the papers to take to take along
- Complete any preparatory work required
- Prepare for any presentations
- Organize copies of presentation for distribution
- Have all the stationary ready (papers, pen, calculators, etc.)

Tracking Urgent vs. Important

Often you might be in a situation to decide on which tasks to accomplish first. Examples of urgent tasks could be, say, catching a bus, pacifying a client, putting out a fire, while important tasks would be, say, learning to drive, looking into customer's problems, or making a place fire-proof. The important but not urgent things involve planing, diagnosing, training, delegating and investing. Therefore they often take a large amount of time and the results may not be shown immediately.

Saturday, October 18, 2008

Funding Options for Small Business Owners

Starting a home business is a great idea.  But even the best ideas behind a small business can run aground if there's not enough financing.  Still the primary reason for a small business to fail is because it's under-financed.  With the US economy at a downturn, getting funding for a small business is a tough task.  Using the credit card as a way to raise financing is tempting but should not be a first option.  There are other ways for a small business to get funding.

Raising funds or capital the traditional way, a local bank is the first recourse.  In acquiring a loan, it helps if a small business already has a good credit record.  The small business owner can apply for a loan using business assets as collateral.  For the home-based small business, he can apply for a personal loan against a bank account.  The account stays intact and earning interest at the same time it's being used as collateral.

The small business owner might also want to consider borrowing against personal insurance.  The insurance company would have standard rates for this in the insurance contract.

If the funding is needed to acquire capital equipment, the small business might want to take a look at chattel mortgage for the equipment.  In most cases this is more advantageous than buying the equipment on credit.  In some instances there's no cash out needed in acquiring the equipment.

If the funding is needed to acquire vehicles or real estate, it's more advisable to lease the vehicle or land.  Of course, this requires a clear and thorough leasing agreement on payment schedule and other terms, including additional insurance coverage on the vehicle or property.

Asking for additional funding from friends and relatives is a win-win situation for both parties.  Your friends and relatives know you personally and would be in the best position to help someone close to them. 

On the other hand, potentially, this is a very fast way to lose friends.  Try to entice the would-be lender with a some interest on the loan as well as a repayment schedule and an opt out clause.  An opt out clause allows the lender to remove the money at any time.  For the lender, they might be getting better terms with the loan than keeping the money in certificates of deposit.

Another source for funding would be business associations and small business agencies or non-profit organizations and Government Small Business Loans.  Increasingly, there are more small businesses which take advantage of peer-to-peer or P2P lending.  There are several websites which cater to this type of loan facility.

The small business owner might also consider asking financial assistance from acquaintances, associates. Local businessmen or retirees are a good pool of potential investors.  Presenting the financial plan is very important.  It's like selling the concept of the company and why the funding for your small business is necessary. 

To keep the prospective investor interested, explain why the business is important to the community.  Include a single page summary of the opportunity the financing is needed for.  Present a fair and objective valuation of the company, it's financial history and current state and it's worth.  Make the potential lender feel like a partner in the business success.

Small businesses by their nature will meet limits of its funding.  A startup's first year expenses is twice the budget.  Finding additional funding sometimes seems like a continuous process for the small business owner taking the time away from actually running the business.  But it is a necessary process and there are avenues for relief both through the traditional bank loans and non-traditional funding methods.

Oh, and don't forget about home business tax deductions to save on your expenditure to help with your cashflow.

Work At Home Online Jobs

Work at home jobs and businesses are not at all new ideas. Child day care centers, catering businesses, cake preparation and so forth, are just a few of the work at home businesses which have been in existence for a number of years. None the less, work at home jobs are on the rise nowadays with the advent of the internet.

Working at home online provides you many opportunities and so you can select your desirable job easily. To begin a work at home online job, you need to have a computer with net connection and a phone. You should have some basic computer knowledge and the ability to access the web. Some of the home based online jobs are discussed beneath.

A home based agent is somebody who works from a home office, collecting and supplying client information, responding to their inquiries, resolving issues, offering client care, replying to their e-mail so forth. Most of these companies have difficulty in accomplishing customer service tasks up to their satisfaction. Therefore they are willing and able to pay home based agents who care for customer service.

In fact home based agents make more than that of traditional customer service agents. Work at home online customer service jobs not only benefits the employees but also the companies engaging them. Apart from outstanding service, the company can also save money in office rent, equipment and so on.

Virtual assistants is yet another popular online work at home job. Virtual assistants furnish administrative and clerical services to the company that hires them and they get a wage for the service they provide. They may also have to offer technical or creative support for the company. A virtual assistant will need to have educational qualifications and previous experience. If you want to be a virtual assistant, then just search the internet, to find a list of companies looking to employ virtual assistants.

A online tutor is yet another online home based job which requires some skill and educational qualifications. There are some net based companies that offer assistance to students of different ages in various subjects. If you have the adequate knowledge in advanced math's, science or a language, you can join any of these companies as an online tutor and can earn a big wage. Most of the online tutor companies offer flexible hours and so you can work conveniently to your individual life style.

Data entry processing is getting one of the most popular work at home jobs. You need to fill out the forms provided by the company hiring you through been online. Each form requires only a few minutes to complete and so you can make up to $300 per day.

Since almost all of these companies are in tremendous need of data entry processing employees, they are ready to pay good wage to home based workers like you. You will not require to have any previous experience to get thisform of employment. Most of the companies provide online training that would not take more than one day for you to complete.

Medical transcription is yet another superb work at home online job which requires some special qualifications. It is important for a medical transcriptionist to understand the medical terms. Almost all of these companies prefer to employ experienced prospects for this type of employment. You need to transcribe and edit the records and send it the company that hires you.

It is also important to have a good command of the English language. Though little effort is needed for this occupation, you can earn a good salary.

Work at home online jobs are advantageous to stop at home parents, disabled people, retired persons and college students. You can also earn a full time wage provided you are prepared to work for full time hours on regular schedules. You can also enjoy health benefits, pension and so on, from the company that hires you in an online home based job. So do not delay start looking today!

For further Free information on Work At Home Jobs, try visiting Free Work at home help or for the latest updates visit the Work At Home Business......

Gathering Work at Home

Assembly work at home? What is that? That is an apprehensible response adding up of you believing that assembly work at home are actually quite uncommon. Sure. We’ve all heard of countless work at home opportunities from running an Internet business to stuffing envelopes, but assembly work at home? What exactly does a person with an assembly work at home job do?

Well, to explain a few things, assembly work at home involves assembling various items for a manufacturer. However, instead of doing it in a factory, you are given the option of working from your home. The items that you assemble in your assembly work at home job can range from electronic circuits to baby clothes. It’s a pretty easy job but unfortunately, as stated earlier, is a lot rarer than most people might realize.

Assembly work at home might open doors for people who want to find a great way of earning extra money. And advertisements on newspapers make all of it sound too easy so it’s no wonder people flock to it. But the problem with assembly work at home schemes is that these jobs may well turn out to be just scams, elaborate con jobs carefully designed to take your money without giving you much in return.

How Assembly Work At Home Scams

The first thing you should watch out for in assembly work at home schemes is the money required of you. Scams usually ask you to fill out a form which you will later send along with a ‘deposit’ or a registration fee. The normal range of this fee would be between $20 and $40. Supposedly, it has payment as the fact bundle, directions, and stuffs you'll encounter and which they say you'll demand to acquire you started on your gathering work at home. These ‘fellowships’ claim to have ‘high criteria’ in all their products and in order for them to be capable to sell your work, you must follow these.

After you finish assembling the items, you will then have to send one off to the company for quality assessment. Here in lies the problem. Nevertheless beneficial your figure out is, they won’t be able to qualify to the criteria. This is because the company simply has no real interest in selling the products since the idea was a scam in the first place. So the result? They amazed what they required: your revenue. And what do you have? A bunch of products you will have to sell yourself in order to see any profit from your hard work.

Friday, October 17, 2008


India is the land of villages. So India's prosperity and happiness depend upon the prosperity and happiness of its villages.

After independence Indian villages have made some progress. However, a lot more needs to be done for rural development. Villages are still backward and neglected. There is almost total illiteracy, acute poverty, widespread unemployment, scarcity of essential things, lack of basic amenities and absence of public sanitation in almost all villages.

It will require combined efforts of the government, village people and the students to improve the condition of villages. The villagers can provide the necessary men and materials, the government the necessary financial and legal support and the students the necessary leadership and brain work.

The first task is to provide sufficient cultivable land to the farmers. The government should pass and enforce legislation to take away excess land from those who have more land and distribute it among the landless farmers and farmers having insufficient land. The government should start cottage industries and handicrafts connected with agriculture to provide employment to those who do not have land.

Government should also construct a school, a health-centre, a post office, and a panchayat office in every village.

The students should visit the near by villages and teach the villagers how to read and write, the habits of cleanliness and useful arts and crafts. They should persuade people to give up bad habits like smoking and drinking and bad customs like wasteful expenditure, infant marriages,untouchability and unequal matches.

The students should help them in forming a panchayat which would then take up the work of providing basic amenities like water and electricity, and public sanitation like public drainage system, public toilets, etc.

Students should persuade the villagers to form a co-operative society which would provide them loans, buy good seeds, manure and implements and tools and distribute them among the members and make arrangements to sell the farmers' produces at satisfactory prices. This will improve the economic condition of the farmers.

Thus the face of the Indian villages will change with the comprehensive measures of village development covering all aspects of the village life, viz., social, economic and political.

The Phenomenon of Baby Boomers Starting Businesses On The Internet

online business portal

A hail to diverse creativeness that made possible the way towards increased wealth to almost anyone even to the emergent figure of baby boomers by creating passive income so that they may have something to boast with their retreat portfolio.

Let's be direct, it is no secret that social security isn't so secure because the social security system was made as a safety net and that net has a huge hole.

It has been discovered by so many individuals that after getting a pension or retirement benefits from working all your life out for XYZ firm, the value is less likely for you to appreciate since it can hardly sustain the value that you need when put to actual utilities.

**It is a fact that American firms are now miserly with their benefits and also curtailing their contributions.

I know of one such company who did not think twice before they cut short the careers of its employees who had labored for two to three decades by paying out only 30 percent of their retirement benefits.

This may shock you but indeed it is true.

While we were used to hearing and believing that benefits and privileges will be surely given to us, the truth is in reality far from it.

One of my friends had worked for a single company for 30 long years and now that he's out of the service, a monthly retirement check of 30.00 dollars was given to him.

The truth is, he is more likely to end up working again even after his retirement age - however, we all know for a fact that this has been a trend for so many individuals already.

It is true that many individuals are still working somewhere to make up for their post-retirement income.

The internet is the usual turning point for most of these people - however, they only end up finding out that they are lured into the world full of failure seeing that the web based business is more concerned with a distributor based market thus there is no real buyer existing.

This is a failures' den mainly because here one marketer is selling to another marketer who in turn is looking for various companies for the next viable formula to make the next millions and this has never really worked, making this a sad tale overall till date.

It is here that a guy like Thomas Prendergast CEO of Inetekk and founder of Veretekk come in who is better known as the 'helper of the helpless', ordinary individuals like you and me, to start a successful enterprise working from home, on the internet.

In a recent interview Prendergast spoke about how most Internet based business enterprises use the distributor model and although it may grow for a while that it stumbles and fails in the long run.

It is not uncommon to find hordes of individuals making unwise investment decisions for Internet based concerns which they try to run, unable to build a viable and meaningful customer base and end up wasting thousands of bucks on overused lists and leads.

Is it not a far more viable idea to put in your time, energy and financial resources on customers who are known to your company and who are current users of your products or services?

Think of the idea where you do not have to take in people, no selling involved and no fear of rejection as you are engaged in generating a lot of online passive income.

So you are thinking that this is impossible? Rise and shine baby boomers, here is someone talking real business.

Thursday, October 16, 2008

How not to loose your clients

I have a question for you: Do you spend a lot of time and energy courting prospective new customers, hoping to pump up your bottom line? If so, you're probably missing an untapped source of sales that exists right inside your company -- there's truth in the statement that your customer list is your most valuable asset.

There's a gold mine of opportunities to make easier sales and create a loyal following of customers that will return time and again by using your existing customer base to grow your sales. But when I ask small business owners what action they are taking to keep in touch with current customers, the answer is normally "we don't."

How do you turn a pile of dusty invoices and sales receipts into profit generators for your business? How can you create loyal customers who will return time and again to increase your small business bottom line? There are three keys to creating customer loyalty.

a) Know Who They Are

Do you compile and maintain a list of your customers. Track their habits. Monitor your list so you know when they are doing business with you differently. Then ask why. My advice is to use a CRM software application for this taks.

b) Know What They're Worth

I overheard a remark the other day. It was, "Oh, that lady. I barely pay attention to her. She comes in twice a week, but only spends about five dollars. What a waste of my time." Have you had the same thought about any of your customers? Before you dismiss the customer that only spends five dollars, take a look at her long-term value. How often does she purchase over time? How many people does she refer to you that have the same spending habits? A $5 customer can really be worth over $50,000 in the long term and should be treated like a queen.

c). Take Action

Your customers are busy people. They need to be reminded that you exist and how you can eliminate their pain (wants or needs). Have you ever received mail from a company and decided to save it so you could "check them out later?" Then you find that piece of mail in your "to do" stack months later and realize you never contacted them. Your customers do that too. You have to remind them. Often.

Customer loyalty is not rocket science. But it does take consistent effort. Over 90% of small business owners are letting money walk out the door of their business each and every day. Are you one of them?