3 Foolproof Ways To Soar Through A Recession

Winners are ALWAYS looking for ways to grow their business. They trust their company, trust their customers to come through for them, and realize that a financial crunch offers advantages that aren't available during better economic times.

1. Get More For Your Advertising Bucks
When the economy makes a turn for the worse, it just makes sense that your advertising will give less of a return than during and economic boon. Sure there's a lot less money being spent, but you don't have to have to watch your profit margin plummet!

Think about it... advertisers are feeling the recession just as much as you are, and are more desperate for clients. It's the perfect atmosphere to negotiate your way to lower costs - even if you are already getting a good price. Every advertising penny you can save, is that much more profit you'll earn on the products.

Have you thought about getting free publicity? Local newspapers are always looking for something of local interest. Make the news! Publicity is free, but a wonderful way to get your business in front of potential clients.

Do your advertisements really need to be as big as they are? We tend to think the big is better, but the facts are that short ads with 11 words or less often generate higher response than large ads. Give it a try, and trim some costs right off your advertising bill.

2. Take Advantage Of Big Ticket Sales
Not all of your customers suffer during recession. Remember that there are always people who are thriving financially, so don't be afraid to make big ticket sales offers. Additionally, when money is tight, people who place a lot of stock in your product will value it even more.

Think about ways to create products similar to yours, but with much higher prices. Internet marketers often create members only sites and sell their products at much higher prices. Hey, they'll obviously make fewer sales, but the people who really value the product will buy. Each sale will net an immensely higher profit. Think about it like this... even though the sales are fewer, the actual profit may be even greater than when it was sold at a lower price.

3. Maximize The Customers You Have
Your customers already know that you have great products and provide satisfactory service. They trust you to come through for them. Think about it... it's much easier to make sales to someone you already have a relationship with.

Use every opportunity to increase your sales volume within the customer audience you already have. Do you have a product that goes with the one they are purchasing? Offer it to them at the register. It's a proven and effective method for increasing sales. You may be shocked at the additional sales you can generate from those who are already buying from you.

3 Foolproof Ways To Outsmart Your Competition

Let's face it...competition is here to stay. There will always be someone waiting in the wings to woo your customers away from you and into their realm. Yeah, you're always going to have to be on the lookout for new ways to outdo the competition, but there are 3 ways you can minimize the impact they have on your business.

1. Implement Unconventional Marketing Strategies
Standing out from the crowd is sometimes hard to do with so many businesses mimicking the marketing campaigns of their competitors. Sure, we all want to be successful, and when we see others using a method and prospering there's an urge to jump on the band wagon and enjoy the same success.

Rather than joining the pack, look for ways to advertise that no one else is using. Internet marketing is a good example. Most Internet marketers use ...you guessed it the Internet to market their products. Why not get high impact postcards printed and use them to direct people to your Website? Hey, no one else is doing it!

2. Discover Hidden Markets
Your competitors are missing out on something! Dig around until you discover what it is, and get a corner on that market niche. Once you've discovered your secret gold mine, revise your sales copy, and Website to address the specific market you've uncovered.

If you're a Multi Level Marketing representative you might want to consider the following niches.

" Employees: The freedom that comes with being your own boss is a dream that many employees hope for, but never experience. Go ahead...let them know that dreams do come true...there's an opportunity to be their own boss waiting just for them.
" Stay-at-home Moms: Most stay at home Moms are sacrificing finances for the well-being of their children. They would jump at the chance to raise their children and make a little money too.
" Retirees: What does the future hold for someone looking at retirement? It could be that there is a lot of spark, and dreams still pulsing inside...and now...they'll have the time to invest their long time dreams!

3. Become the Expert
We all respect the opinions and insight of someone who really knows a subject inside and out. Yeah, take the time to research, get to know all of the ins and outs of your product...then emphasize it in your marketing campaign. True knowledge can't be aped. Consumers will know who the expert is.

You don't have to put all of your eggs in one basket to zero in on one product, but you can emphasize your expertise in one area. Remember that people often expect to pay more for expert advice! You may want to raise your price a little bit, get testimonials, and find another expert to endorse you.

You don't have to let the competition get one over on you when you position yourself for success!

3 Effective Tactics Every Business Should Implement

Do you remember your first day as a business owner? You were probably just like the rest of us... pretty darned happy and bit on the proud side. Yeah, back then we thought we could conquer the world. Now we're too busy conquering our own little corner of the world to pay a lot of attention to the rest of the world... unless it's to learn a few tips from successful marketers just like us who have made it big. Tips just like these... that will apply to every market - regardless of the product or service - are a great motivators to try something new. Yeah, you never know when the next idea will be worth a million dollars!

1. Create a Special Offer
A special offer is exactly that... an offer that is special. Normally, customers would not be able to purchase this product or combination of products, and once the products are gone... sorry!

You don't have to go out and order a bunch of new products to put together a special offer. It don't take a whole lot... just use what you've got. Grab a few items that are related, group them together, discount the price, and your customers will be excited to be getting a good deal. Think about it from your standpoint... you've sold three or four items rather than one. Yeah, combination offers are winning deals for everyone!

2. Address the Small Customer Groups
Niche markets are everywhere, right under your nose! Within the customer audience that you serve right now are groups of people who share common traits. Think about it... maybe you have a group who speaks Spanish, a group of teens, and a group of middle class family men and women.

Evaluate these classes of people, and discover the unique needs and desires they share. That will set you up to customize your advertising campaign directly to them. It's not hard to take your current ads, and make a few changes to adjust to the niches. They'll be impressed that you understand THEM, and the increase in your profits will be the best thanks you can get.

3. Set Up a Winning Referral Program
Successful marketers develop the ability to turn their customers into advocates. Often, they don't even have to directly ask customers to refer them to others. Their willingness to go the extra wins customer loyalty and support. Naturally, satisfied customers refer their friends and family to the place that will take good care of them.
Quality service and is the first step toward referrals, but you can easily take it one step further. Studies show that every satisfied customer tells three people about you. What would happen with a little incentive added to the picture? Yeah, a lot more. Give customers who refer friends a thank you - whether it's a discount, special gift item, or a simple thank you card - and watch the referrals spiral!
You can get two birds with one stone by implimenting customer surveys. A few quick questions about what the customer does and doesn't like about your product, followed by a request for the names and addresses of friends and family who would benefit from the product, and you're all set to go with the contact information of a prospective customer!

3 "No Sweat" Tactics That Ban Customer Buying Objections

There are a lot of excuses floating around about why people don't buy. Maybe you've heard some of them: it's too expensive, it's not at the top of my "must have" list right now, or even when a deals too good to be true... it's too good to be true. Customer objections are more easily overcome than you might imagine. Let's take a look at 3 simple ways to wipe out those objections.

1. It's Too Expensive.
Don't be fooled! Most of your customers can get the money to buy the product... it's not a matter of having enough. Let's face it... what they're really saying is that they can get a better deal somewhere else, or a deal that gives them a better value for their buck.

Now, don't give in to the temptation to drop your prices to "rock bottom" just because you hear them say it's too expensive. There are ways to wipe out these objections without wiping out your profits!

Make it look like a better deal. I mean, take a really good look at your product. How can you increase the perceived value? Maybe you can add a manual, a CD, or a downloadable book full of information about the product. Let them think they are getting more for their buck, and the deal seems a lot sweeter to them.

Think about this... we all expect to pay more when we visit a specialist. Sure, Wal-Mart is great if we're looking for a generic product, but when we want something from someone who knows what they're talking about we head for a market "specialist"... and expect to pay a little more as part of the deal.

How can you become a specialist who demands respect, and can get away with slightly higher prices?

" Find niches within your market to address. Hey, if you look closesly you'll discover groups within your market that stand out... businessness men and women, young mothers, retirees, etc.

" Dig in, do a little research and figure out exactly how your product relates to the special needs of these niche groups.

" Speak to them as someone in the know. Revise your sales materials to address the specific needs of each group. Let them know you understand what they want and need, and watch your profits skyrocket.


2. I Have More Important Things To Get Right Now.
Yeah, buying now doesn't seem too important until... the deal's too sweet to pass up, and you have to get it today to get the deal.

What I'm talking about is banning the option of procrastination. Really what your customer is saying is ... I have no reason to buy today. Make the deal irresistible, and put a deadline on it. It'll spur them into making the purchase a priority, NOW.

3. I'm Skeptical... It's Too Good To Be True.
Most customers have been burnt by deals that seem too good to be true... they ended up costing more than they were worth. The only way you'll ever overcome the skepticism is to build a relationship of trust.

Unconditional money back guarantees eliminate the risk of loss, and show the customer that you are truly concerned with their satisfaction.

Let testimonials speak for you. Evidence that you've delivered and gained customer satisfaction in the past goes a long way toward banning customer fears.

Be available. Customers feel like everything is okay if they can pick up the phone or send an email and get quick answers to their questions.


It really doesn't take a lot of rocket science to get through the shell of hard core customers. These 3 tips will get you off to a good start.

3 Elements That Make Your Ad Successful

When was the last time you bought a car? Did you really NEED a car? I mean REALLY need a car? Chances are the one you were driving was still running when you bought the car you have now. Yep, Americans rarely buy because they need... they buy because they want to experience the feeling that comes with buying.

We enjoy new purchases. Sure, we can convince ourselves that we really needed a new one, but if we're totally honest we'll have to admit that would could've got by without it. What does this mean to your advertising campaign?

1. State The Benefits Of Your Product or Service
Capitalize on the ways a customer will improve his lifestyle by making the purchase. Will he increase his own business profits by 50 percent? Say so in the opening statement of your sales letter, or at the top of your Web page.

Don't obsess with the features of the product itself or your credibility. Frankly, customers could care less. Let's face it... they're a bit selfish when it comes to dishing out their hard earned money. All they want to know is what's in it for them.

2. Paint Word Picture That Let Them Experience the Benefits
"Wake up tomorrow, with no boss! You can spend the day with your family or on the golf course... there's nobody to tell you what to do."

A Multi Level Marketer may want his audience to feel the freedom of having no one to answer to if they become successful in the business. He'll dramatize that desire, and put the listener in the seat to inspire it to take hold until the listener is ready to sign up and get started.

3. Inspire Immediate Action
Hey, let's face it... the longer a customer lolly gags, the greater the chances he'll never take the plunge. Don't let him off the hook that easily!

Set a deadline. Put on the pressure to buy now, or miss out on the deal. Chances are pretty good that the procrastinator will get with it just to save a few bucks.

What about your sales materials? Have you taken a good look at the things you are advertising? Make sure you are focused on the benefits the consumer will experience from the purchase, and not on the features of the product or service.

2 Sure-Fire Methods Proven To Convert More Customers

If you're a marketer your number one concern is customers. You've probably read and heard a million and one ideas about how to build relationships, retain customers, create a list of potential customers, and inspire consmer loyalty. But the tough question is, "How do I convert prospects into customers?"

There are a lot of people out there who see your ads, think about them, and maybe even say, "I ought to..." They're just waiting to be convinced to to do something about it. There is something you can do to get them moving!

1. Improve Your Offer
No on can pass up the deal that's "too good to resist." Think about it... how often do your customers want your product, but just want something else a little more? That leaves you with a long list of "almost sales" that have the potential to be converted into real sales and profit. Sweeten the deal. Make the offer so good they can't resist it.

Now, I'm in no way suggesting that you drop your prices to sweeten the deal. You can just as easily load it up with bonuses to increase the perceived value without cutting away at your profit. Bonuses motivate sales, maybe even more than cut prices.

Don't let them lollygag. Yeah, get them into the store pronto with a deadline. They may have to put a competitors purchase on hold to get your deal, but hey... what's wrong with that?


2. Follow Up
How would you like to increase your sales by more than 50 percent? Yeah, it sounds good! There's really a very simple tactic that you can implement... follow ups.

Chances are, prospective customers aren't going to buy your product the first time they see or hear about it. Maybe it'll be the third or fourth, but they have to hear from you that third or fourth time before they actually become a customer. Do you have a follow up system in place?

Simply contact the "almost customer" every month with a new offer, or give them more information about the product they are showing interest in. It doesn't have to be an intricate process. Keeping the contact there goes a long way toward building trust... the key to finding life-long customers.

Internet Marketers experience a high number of customers who browse their site, then click away. You can't follow up without some form of contact information. A great way to gather the info you need is to offer a free ebook or informative report that consumers will find of interest. Once they've given you the information to email them the product, you have what you need to keep in contact, and work on converting them into loyal customers.

Personalize as much as possible. If you can get the firstname of your customer... great! Personalized messages have greater appeal than "addressed to occupant" messages.

2 Step Marketing

Do it Right.

I receive postcards all the time. The other day I received a postcard trying to sell me a copy machine. It had tiny, tiny lettering slathered all over the front and a large portion of the back of the card.

It was extremely hard to read, so hard in fact that I threw it away.

Several days later I received a postcard with 32 words on it telling me that I could get complete information on unrestricted long distance telephone service for 5.5 cents a minute with no additional monthly fee by calling the 800 number on the card.

I did call. I got the information, had my questions answered and ordered my long distance service changed.
The company who offered me the long distance service was using a time tested 2 step selling process:

Step 1. Generate a lead - Get me to call their 800 number.

Step 2. Provide the requested information - Provided to me on the phone by one of their sales representatives, who was able to answer my questions and make me feel confident that I could save quite a bit of money on my long distance bill and that the service would be as good or better.

What's So Good About 2 Steps?

It is much easier to create interest (a lead) than it is to get a person through an entire buying process (a sale).

You aren't getting the prospect or existing customer to part with any money just yet.

You can use postcards to inexpensively promote to your target prospects and customers and generate leads (inquiries about your products and services) to then be followed up on and converted to sales.

This 2 step process also helps you to create a list of people who were interested enough in what you offered to contact you.

You can then recontact the one's who you didn't complete a sale with when they first inquired, preferably until they do buy from you.

IMPORTANT: Be sure to get the information you will need to recontact the people who responded to your postcard offering.

Repetitive follow-ups with the people who contacted you will result in increased sales. Make it a company policy to follow up with those people who contacted you about your products and services.


The Most Effective Use of Postcards:

The purpose of your postcard's message is to generate a sufficient level of interest in the mind of your prospect to get him/her to contact you to ask you about your offer.

You are generating interest, not collecting their money (not yet anyway). That is what the 2 step marketing process is about. Generating interested prospects and customers who contact you for more information.

Your message needs 3 parts to be most effective:

1. A clear statement of the biggest benefit of your product or service (in the long distance example, it was cost savings).

2. A good reason for them to contact you NOW.

3. A simple, easy way for them to respond (an 800 number for example).


Your message should be short and to the point. Short messages on postcards produce more leads than long ones.

For example:

Call 800-555-1212 for Your Copy of Our Free Report:

What 99% of Business Owners Don't Know and Will Never Find Out About Using Postcards to Explode Their Profits

Offer ends 5-5-01 (Print a date 3 weeks from your mailing date to create some urgency)

Lots of people will respond to find out what they might not know. Don't forget, they responded, which is least some interest in the information you have created a curiosity about.

This method works and is sure to produce a large number of inquiries if sent to your proper market.

This 2 Step Marketing Process Works.

Use the tips you have read here to create your next postcard's message and see what happens.

You will generate a bunch of leads from people who are truly interested in your products and services.

2 Little Words That Work Marketing Magic

In his classic best-seller, How To Win Friends And Influence People, Dale Carnegie's second chapter is entitled The Big Secret of Dealing With People. The secret is summed up in this principle: Give honest and sincere appreciation.

Carnegie said there is only one way to get anybody to do anything -- by making the person want to do it. How can you encourage customers to say good things about you and give you referrals? By giving them what they and all human beings crave: honest and sincere appreciation.

The Two Magic Words

The big secret of dealing with people (or customers) is often overlooked or forgotten. It's simply saying "thank you" consistently, personally and, above all, sincerely. These two words work marketing magic because customers want to feel important.

Saying "thank you" is an act of kindness, besides. But don't say "thank you" for the sake of flattery. It must be sincere. As Ralph Waldo Emerson once said, "You can never say anything but what you are."

"Thank You" Promotes Referrals

The uncertainty of referrals can be disconcerting. Can you control them? No. Can you influence them? Absolutely.

First you must provide a valuable product or service for customers. (You're already doing this, right?) But perhaps you can make an even bigger difference in their minds by your continued interest after you've delivered the product or service.

Each customer has a different level of satisfaction with your products and services. However, all customers to whom you say "thank you" are satisfied that they're important to you. This can determine whether you'll continue a relationship with them and get referrals.

"Thank You" as Direct Mail or E-mail

If you've never used direct mail and are considering it, start a thank-you correspondence program. If you've used direct mail or e-mail but haven't sent thank-you letters or e-mails, start now.

The thank-you letter or e-mail to your customers is targeted (you know them, they know you), personal and effective. It's guaranteed to receive a positive response.

Furthermore, it's a pleasant surprise if it's snail mail. They see your envelope. They think, this must be something for me to review, to sign, or worse a bill. Surprise! They're appreciated; they're important. And you're the one telling them so.

Write a thank-you letter or e-mail at every opportunity. But don't send one with an invoice or other correspondence. Always send it separately.

Writing the Thank-You Letter or E-mail

The thought behind a thank-you letter or e-mail may seem simple, but writing one can be tricky. Here are 9 tips for writing a winning thank-you letter or e-mail:

1. Keep it brief. A half dozen lines (or fewer) are sufficient.

2. Make it sincere. This is crucial. If you aren't careful, it can sound awkward, even when you're trying to be sincere.

3. Start with "thank you." Dear Ms. Johnson (or first name, if appropriate): Thank you for ...

4. Make the tone warm, but professional. Be friendly, but keep it businesslike.

5. Reinforce a positive. Jog their memory of a positive aspect of the relationship.

6. Offer your continued support. If I can help, please call ...

7. End with "thank you." Thanks again for ...

8. Use an appropriate closing. Sincerely, Best regards.

9. No ulterior motive. Make it a pure "thank you," otherwise sincerity is jeopardized.

Remember: Saying "thank you" is part of building strong customer relationships over time. Use these two magic words consistently and watch your repeat business and referrals grow.

(c) Neil Sagebiel

[Emini Course] Market Order, Limit Order, Stop Order, Stop Limit Order Demystified!

Types of Orders
Placing orders is an art in itself. Beginners often do not know when to use market orders and limit orders. Different orders are used in different market conditions. But the limit order is the one that is most versatile. Understanding a limit order is essential to your trading success. I will only discuss the case for buying, the reasoning and mechanism is the same for shorting.

Market Order
In a market order, you are basically giving instructions to your broker to buy at the prevailing price. You cannot set what price you want to buy. Market orders might be prone to slippage in fast moving markets. For example, if you give a market order to buy 10 lots, 3 lots might be filled at $10, another 3 lots at $10.50 and the remaining 4 lots at $11.00. We usually use a market order when we need to get in or out of a market fast, such as when the market suddenly moves against you drastically.

Limit Order
A limit order is different from a market order in that you can specify the price at which you want to buy. For example, if you specify you want to buy 2 lots at $10, you will not get a fill at prices above $10. Hence a possible scenario is you get both 2 lots at $10, or 1 lot each at $10 and $9.50. The beauty for the limit order is that you will not get a fill unless the price is better than what you specified.

Stop Order
A stop order is better known as a stop loss order . In day trading stop loss is essential to your survivor. Some traders do not set a stop loss because they are monitoring their trades real-time. They feel that they can step in fast enough to close the position when the situation goes against them. However, in fast moving markets, you can very well lose $200 or more on a single contract in a matter of minutes. Setting a stop loss order removes the psychological hesitation to exit a position. From my experience, this is an absolute requirement, please master it and use it to your advantage.

Assume you are currently long at $10 and you set the stop loss at $8, you are giving instructions to your broker to sell at market price when the price falls down to $8. When the price is above $8, the stop loss order lays dormant, it will turn into a market order only when the price hits $8 to save you from further losses. Note that a stop loss order is always used to exit a position. Hence if you are long, the stop loss order will give instructions to sell. If you are short, the stop loss order will give instructions to buy.

Stop Limit Order
A stop limit order is similar to a stop loss order, except that it will turn into a limit order at the predetermined price. For example, assume you are long at $10 and you set a stop limit order to sell at $8, when price falls to $8, the order will become a limit order at $8. Recall that limit order will assure you of a fill better than the price you specified. Hence, a limit order at $8 means that you get a fill at $8 and above.

$100 Per Day With Adsense - Possible ?

These are proven techniques for making Google AdSense, which will work on most blogs and websites. There is no secret system, you just have to think smart and put the time and effort into making things happen. Don't start out on the Google AdSense path and think you are instantly going to be making 1000's of dollars a week. It isn't going to happen.
The most important step to making money from Google AdSense is to increase the volume of traffic to your blog or website. Simple ways of doing this is by distributing your articles to ezine lists, article announcement lists, blog carnivals, social bookmarks sites and yahoo groups. For this to work you need to write at least one new article a day, which needs to be of a good quality and interesting.

Create the ad units so that they blend in with your blog. You will need to go into your Google AdSense control panel and enter the hex colour codes from your website or blog. Make sure the text colour; background colour, and link colours all match your blog.

Don't use borders around the ad unit boxes. Again, you want the boxes to blend, you will have to colour code the borders to match the background so that they become invisible.

Find profitable niche markets, it is important not to choose markets where the cost per click is too low to make it worth your while. I suggest that you do some keyword research and find out roughly what the cost per click is in Ad Words. Usually this will be a good indication as to whether this will be successful.

Keywords are of great importance, you have to make sure that your content is not overstuffed with particular keywords to the point of destroying readability and value. What you need to do is master the art of making sure your articles make liberal use of on-topic keywords, which are likely to generate the most relevant ads. Experts maintain that using keywords with your titles and H1 tags is any excellent way to assist in getting the most relevant possible adds

7 Critical Business Financing Mistakes

Avoiding the top 7 business financing mistakes is a key component in business survival.

If you start committing these business financing mistakes too often, you will greatly reduce any chance you have for longer term business success.

The key is to understand the causes and significance of each so that you're in a position to make better decisions.

>>> Business Financing Mistakes (1) - No Monthly Bookkeeping.

Regardless of the size of your business, inaccurate record keeping creates all sorts of issues relating to cash flow, planning, and business decision making.

While everything has a cost, bookkeeping services are dirt cheap compared to most other costs a business will incur.

And once a bookkeeping process gets established, the cost usually goes down or becomes more cost effective as there is no wasted effort in recording all the business activity.

By itself, this one mistake tends to lead to all the others in one way or another and should be avoided at all costs.

>>> Business Financing Mistakes (2) - No Projected Cash Flow.

No meaningful bookkeeping creates a lack of knowing where you've been. No projected cash flow creates a lack of knowing where you're going.

Without keeping score, businesses tend to stray further and further away from their targets and wait for a crisis that forces a change in monthly spending habits.

Even if you have a projected cash flow, it needs to be realistic.

A certain level of conservatism needs to be present, or it will become meaningless in very short order.

>>> Business Financing Mistakes (3) - Inadequate Working Capital

No amount of record keeping will help you if you don't have enough working capital to properly operate the business.

That's why its important to accurately create a cash flow forecast before you even start up, acquire, or expand a business.

Too often the working capital component is completely ignored with the primary focus going towards capital asset investments.

When this happens, the cash flow crunch is usually felt quickly as there is insufficient funds to properly manage through the normal sales cycle.

>>> Business Financing Mistakes (4) - Poor Payment Management.

Unless you have meaningful working capital, forecasting, and bookkeeping in place, you're likely going to have cash management problems.

The result is the need to stretch out and defer payments that have come due.

This can be the very edge of the slippery slope.

I mean, if you don't find out what's causing the cash flow problem in the first place, stretching out payments may only help you dig a deeper hole.

The primary targets are government remittances, trade payables, and credit card payments.


>>> Business Financing Mistakes (5) - Poor Credit Management

There can be severe credit consequences to deferring payments for both short periods of time and indefinite periods of time.

First, late payments of credit cards are probably the most common ways in which both businesses and individuals destroy their credit.

Second, NSF checks are also recorded through business credit reports and are another form of black mark.

Third, if you put off a payment too long, a creditor could file a judgement against you further damaging your credit.

Fourth, when you apply for future credit, being behind with government payments can result in an automatic turndown by many lenders.

It gets worse.

Each time you apply for credit, credit inquiries are listed on your credit report.

This can cause two additional problems.

First, multiple inquiries can reduce you overall credit rating or score.

Second, lenders tend to be less willing to grant credit to a business that has a multitude of inquiries on its credit report.

If you do get into situations where you're short cash for a finite period of time, make sure you proactively discuss the situation with your creditors and negotiate repayment arrangements that you can both live with and that won't jeopardize your credit.

>>> Business Financing Mistakes (6) - No Recorded Profitability

For startups, the most important thing you can do from a financing point of view is get profitable as fast as possible.

Most lenders must see at least one year of profitable financial statements before they will consider lending funds based on the strength of the business.

Before short term profitability is demonstrated, business financing is based primary on personal credit and net worth.

For existing businesses, historical results need to show profitability to acquire additional capital.

The measurement of this ability to repay is based on the net income recorded for the business by a third party accredited accountant.

In many cases, businesses work with their accountants to reduce business tax as much as possible but also destroy or restrict their ability to borrow in the process when the business net income is insufficient to service any additional debt.

>>> Business Financing Mistakes (7) - No Financing Strategy

A proper financing strategy creates 1) the financing required to support the present and future cash flows of the business, 2) the debt repayment schedule that the cash flow can service, and 3) the contingency funding necessary to address unplanned or unique business needs.

This sounds good in principle, but does not tend to be well practiced.

Why?

Because financing is largely an unplanned and after the fact event.

It seems once everything else is figured out, then a business will try to locate financing.

There are many reasons for this including: entrepreneurs are more marketing oriented, people believe financing is easy to secure when they need it, the short term impact of putting off financial issues are not as immediate as other things, and so on.

Regardless of the reason, the lack of a workable financing strategy is indeed a mistake.

However, a meaningful financing strategy is not likely to exist if one or more of the other 6 mistakes are present.

This reinforces the point that all mistakes listed are intertwined and when more than one is made, the effect of the negative result can become compounded.

5 Simple Steps to Small Business Success on the Internet!

For years, the website design market used to fall into three separate entities for website design and development: (i) graphics and animation studios, specializing in custom graphic design and creative animations, (ii) website marketing/promotion firms, (iii) Web programming companies specializing in database-driven website development. Nowadays, however, you get to see a fusion of these three entities in several dynamic Web Development and Promotion companies operating from any part of the globe. These web design, development and web promotion firms are virtually allrounders that cater to a diverse range of clientele, include those coming up for creative web design, web databases CRM / ERP as well as for SEO (search engine optimization) needs.

Most small business firms all over the world heavily rely on the services of such web development firms as they usually cater to small business website design by providing web based marketing methods that small companies can afford due to small budgets. Depending on the effectiveness of such web-based marketing, clients often see incredible successful results from clicks to conversion. There are some case studies which show that utilizing their marketing equation; some sites have gone from 10 leads a month to 300 leads. However, to achieve this is easier said than done. Web marketing firms that create a full plan for their clients using both the strategic and tactical methods crafted by specialists/consultants in turn are able to give small or large businesses increased sales. After all, that is the reason one can zero down on in order to be in a business, right? To have more sales and offer value. Therefore, the objective behind any web development or website promotion project is to create a unique selling proposition through your website that can set you apart from your competition so your customers should only think of doing business with you, regardless of price.

Small business firms today look forward to the professional creative website design and strategic web development and web promotion companies for the simple reason that they want their site to have the look and usability of a Fortune 500 company site without having to spend huge bucks for it. Yes, it is definitely considered a plus if the website is designed as a tactical marketing tool that aims to engage and educate their clients in turn. And most of these businesses have a concern in their minds: can their web site provide a means to gather analytical data for them to offer better service for all?

Yes, definitely they can. However, for this, optimal, effective website design strategies need to be incorporated. In a word, small business clients should be enriched with at least some of these features in order to fetch more conversions:
* Cutting-edge small business website design, tailor-made to provide broad market exposure of the products and services to potential clients.
* Highly scalable digital website designs, aimed at boosting up the growth and realization of the full perspective of the small business houses.
* Small business website design strategies including full-featured e-commerce solutions, to help these businesses deploy cost-effective, powerful e-commerce stores.
* Customized search engine optimization services, based upon individual needs and goals.

However, there are umpteen so-called 'cheap, quick' solution-providers, and any small business firm must think twice before taking the plunge with them. Ideally, one should always trust a professional web development firm that gathers relevant information about their clients' business through hours of discussion, clear up ideas about the requirement, nature and goal of the clients' business. Based on these details, experienced, skilled web designers and developers carry out extensive research to find out the best small business website solution. On the other hand, creative, innovative content writers create specific and unique content for small business website requirements, thereby enhancing business prospects. Finally, website maintenance and search engine optimization techniques that comprise scientifically proven techniques available at a competitive price are sure to give your business a boost. Flash Presentation, Multimedia Presentation, Multi-lingual website development and E-Commerce integration solutions complement these customized website solutions for brightening the online and even the offline image of small business firms.

The Five Steps to Success:

To ensure success of your small business through a unique website presentation, it is important that you develop a five-step process for creating websites that meet your customer's goals. Whether it is a small business firm eager to generate leads, sell online, provide information about their services, connect their vendors to their company electronically, or start an entirely new kind of service, this five-step process not only takes them from concept to completion, but also is the trademark of any Internet development company. Consulting: Every website starts with an idea. Perhaps you've been thinking about developing a website, or redesigning your existing site. At the consulting stage, a professional website development firm would strive to clear all doubts about the clients' requirements. Consultation for this usually comes free in case of small to medium-sized businesses.

Website Design: After the initial consultation, the website development firm solidifies the clients' ideas by creating a blueprint for their site by employing something they call "Strategic Design".

Website Development: The website development project is then handled by a creator' hive, composed of specialists who handle their own respective pieces of the site development. Remember, for successful website development, it is necessary to be handled by a versatile team of expert graphic artists, content writers, programmers, database specialists and technical personnel. This ensures that a qualified professional handles each task of the given project.

Web Hosting: Since websites are an intricate interplay of graphics, text, programming and computer resources, building your site on a rock-solid web hosting foundation is critical to its marketing success.

Website Maintenance: Once the site is available to the public, it must be maintained with the help of ongoing updates and continued development to the site so that they don't give clients/visitors of the site a chance to complain about its quality and content.

5 Key Components Of A Small Business Acquisition Loan

Major Challenges To Securing A Business Acquisition Loan

Qualifying for a small business acquisition loan can be quite an ordeal to say the least.

If the business being sold is very profitable, the selling price will likely reflect a significant amount of goodwill which can be very difficult to finance.

If the business being sold is not making money, lenders can be difficult to find even if the underlying assets being acquired are worth substantially more than the purchase price.

Business acquisition loans, or change of control financing situations, can be extremely varied from case to case.

That being said, here are the major challenges you'll typically have to overcome to secure a small business acquisition loan.

>>> Financing Goodwill

The definition of goodwill is the sale price minus the resale or liquidation value of business assets after any debts owing on the assets are paid off. It represents the future profit the business is expected to generate beyond the current value of the assets.

Most lenders have no interest in financing goodwill.

This effectively increases the amount of the down payment required to complete the sale and/or the acquisition of some financing from the vendor in the form of a vendor loan.

Vendor support and Vendor loans are a very common elements in the sale of a small business.

If they are not initially present in the conditions of sale, you may want to ask the vendor if they would consider providing support and financing.

There are some excellent reasons why asking the question could be well worth your time.

In order to receive the maximum possible sale price, which likely involves some amount of goodwill, the vendor will agree to finance part of the sale by allowing the buyer to pay a portion of the sale price over a defined period of time within a structured payment schedule.

The vendor may also offer transition assistance for a period of time to make sure the transition period is seamless.

The combination of support and financing by the vendor creates a positive vested interest whereby it is in the vendor's best interest to help the buyer successfully transition all aspects of ownership and operations.

Failure to do so could result in the vendor not getting all the proceeds of sale in the future in the event the business were to suffer or fail under new ownership.

This is usually a very appealing aspect to potential lenders as the risk of loss due to transition is greatly reduced.

This speaks directly to the next financing challenge.


>>> Business Transition Risk

Will the new owner be able to run the business as well as the previous owner? Will the customers still do business with the new owner? Did the previous owner possess a specific skill set that will be difficult to replicate or replace? Will the key employees remain with the company after the sale?

A lender must be confident that the business can successfully continue at no worse than the current level of performance. There usually needs to be a buffer built into the financial projections for changeover lags that can occur.

At the same time, many buyers will purchase a business because they believe there is substantial growth available which they think they can take advantage of.

The key is convincing the lender of the growth potential and your ability to achieve superior results.


>>> Asset Sale Versus Share Sale

For tax purposes, many sellers want to sell the shares of their business.

However, by doing so, any outstanding and potential future liability related to the going concern business will fall at the feet of the buyer unless othewise indicated in the purchase and sale agreement.

Because potential business liability is a difficult thing to evaluate, there can be a higher perceived risk when considering a small business acquisition loan application related to a share purchase.

>>> Market Risk

Is the business in a growing, mature, or declining market segment? How does the business fit into the competitive dynamics of the market and will a change in control strengthen or weaken its competitive position?

A lender needs to be confident that the business can be successful for at least the period the business acquisition loan will be outstanding.

This is important for two reasons. First, a sustained cash flow will obviously allow a smoother process of repayment. Second, a strong going concern business has a higher probability of resale.

If an unforeseen event causes the owner to no longer be able to carry on the business, the lender will have confidence that the business can still generate enough profit from resale to retire the outstanding debt.

Localized markets are much easier for a lender or investor to assess than a business selling to a broader geographic reach. Area based lenders may also have some working knowledge of the particular business and how prominent it is in the local market.

>>> Personal Net Worth

Most business acquisition loans require the buyer to be able to invest at least a third of the total purchase price in cash with a remaining tangible net worth at least equal to the remaining value of the loan.

Statistics show that over leveraged companies are more prone to suffer financial duress and default on their business acquisition loan commitments.

The larger the amount of the business acquisition loan required, the more likely the probability of default.

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'Stop the Stupid Stuff' In Your Business

We are living in a world of change. Shift happens! Competition comes from all over the world, which means that many American businesses are in trouble.

Many decisions are being made that are contrary to both good business sense and building customer loyalty.

Most organizations' marketing is usually an exercise in figuring out what to do to get current or potential customers to spend more dollars with them.

I'm suggesting that instead of thinking about what to do, figure out what to stop doing. In other words, stop doing the "stupid stuff."

Not doing the stupid stuff means finding out what prevents customers from spending money with you and making sure that that action or reaction never happens again.

Here's an example of what I call "stupid stuff." Some airlines now want to charge customers who want to speak to a live agent.

That's stupid stuff in two ways. First, they've chosen to penalize customers who want to continue getting what they've always gotten - one-on-one attention. Worse, they've done it by saying they will charge more for this previously standard level of service. How many customers will they lose because of this decision? I know of at least one.

There are more subtle, but no less damaging, stupid things businesses need to stop doing.

Take, for example, the new Wheaties boxes. General Mills recently introduced Wheaties boxes with photos of the U.S. Olympic gold medalists. One was missing: Paul Hamm. Why?

This was General Mills' response to my inquiry:

"Selecting a Wheaties Champion has never been an easy task, especially when we have witnessed so many outstanding performances by so many championship athletes. But it simply isn't possible to honor every champion on the Wheaties box."

So they leave off the first U.S. man to win the Olympics all-around gymnastics championship in one of the sport's greatest comebacks? His return from a disastrous fall to a near-perfect high-bar routine won near-universal praise and, for most of us, defined the word "champion."

But there was controversy. As most of you know, a South Korean gymnast claimed that a scoring error cost him the gold and appealed to the Court of Arbitration for sport. The court recently ruled that Hamm can keep the gold medal.

Even though the medal was disputed, it was not because of anything Hamm did or did not do. Still, General Mills decided to do the "safe" thing. But by being safe and leaving out Hamm, Wheaties is alienating the millions of customers who see him not as controversial, but as a hero, and losing customers in the process. Now that's "stupid stuff."

So start stopping! Stop saying "No" and start using the word "Yes." Stop charging for services that most of us think are free.

Find out what exasperates, discourages, hassles or confuses your customers and stop it.

“Powering Off” or “Power On?”

Do you take your laptop on vacation? Do you sometimes “hate” your cell phone or your Blackberry? Harris Interactive recently reported that one-third of vacationers take their laptops on vacation. During a Sunday meal at a restaurant recently, I observed a man sitting with his family talking on his cell phone -- obviously about business. He was not happy – neither was his family!

To paraphrase Charles Dickens, “It is the best of times. It is the worst of times.” Certainly that applies when it comes to “connectivity.” Stories of 9-11 victims being able to communicate with family members in the last minutes of their lives warmed my heart, while the story my friend told of her mother answering her cell phone in the delivery room during the birth of her grandchild chilled my soul.

How grateful I was for my cell phone when I came across a young woman stalled on an interstate without one, and I could immediately get help. How convenient it is on vacation to use the Internet to explore the options for entertainment in the area on a rainy afternoon, and get directions to find it easily. How comforting to know that my family can reach me in case of an emergency – or something to celebrate! -- regardless of where I am in the world. The same can be said for my colleagues.

So here’s the question: Should you take your laptop on vacation? Should your cell phone be on 24/7? Clients often ask, “What should I do?” My answer: “That’s the wrong question. The question is “What will you do?” Maybe an even better question would be “What would you like to do?” Perhaps the best question of all is “What action will bring you the best results?” In order to answer that question, you have to take the time to answer “What ARE your best results?”

Repeatedly I have emphasized that one definition of “organization” is “controlling the things you can control, so you can cope with the things you can’t.” In the complex world in which we live, especially with the level of connectivity available, it’s easy to fall into the trap of feeling that we are victims of other people. I cringe when someone complains about having to answer their cell phone. Says who? If you don’t want to be reached, you can “power off.” If you have to be reachable because your job requires it, then the question may be “Am I in the right job?” Or, have you simply trained people that you are “always available.” Customer service is great, but it doesn’t require 24/7 response. It requires good communication. It’s highly frustrating to leave a message and get no response for days, but few situations would suffer if the response came one hour later so you could have lunch with a colleague without interruption.

Connectivity can be addictive. My daughter, who has her PhD in counseling, reminded me that an addiction is something that reduces the quality of your life and the people around you.

So what does all this have to do with productivity? My passion is helping individuals and organizations create and sustain a productive environment so everyone can accomplish their work and enjoy their lives. When used appropriately, connectivity does help you accomplish your work and enable you to play. It can also undermine your priorities at work, destroy your health, and poison your relationships when used inappropriately.

The issue is not whether you take your laptop on vacation or leave your cell phone on 24/7. For some people, the ability to check e-mail once a day on vacation brings peace of mind and can be done when others are sleeping or swimming. For others, the whole idea of a vacation is not taking your laptop. There is no “right” or “wrong.” The question is whether your choice is enhancing or diminishing your life and the lives of the people around you.

So “Power Off” or “Power On?” – it’s truly up to you!

P.S. SOMETHING TO THINK ABOUT: Your ability to make any connection more valuable is being able to find the information you need when you need it. Are you wasting valuable time looking for what you need? Could you find what other people in your office have if you needed it? If not, fill out our Productive Environment Scorecard, (www.ProductiveEnvironment.com) and we’ll give you a free 30-minute phone consultation to identify specific steps you can take to make sure that everyone in your organization is taking the right action at the right time with the right information.

Small Home-Based Businesses -- Five Simple Steps to Success

Did you know that, in Australia, 60% of small businesses fail in the first twelve months? For those of us who would like to start a small business -- maybe even work from home -- that’s a very discouraging statistic.

Does that mean that your business idea is doomed to failure? Far from it! There are steps you can take that greatly increase your chances of success. With a little time and some serious research you can hit the ground running. Let’s start from the beginning…

The bright idea

First, of course, you need to come up with an idea. Typically, business opportunities can be divided into four groups:

1. Offering an existing product/service in an existing market.
2. Introducing an existing product/service to a new market.
3. Offering a new product/service in an existing market
4. Introducing a new product/service to a new market.

At this stage of the game the only limit is your imagination. Inspiration can come from anywhere -- maybe you have a hobby that you’d like to turn into a full-time job; you may be on the receiving end of bad service one day and decide to try doing it better yourself; or you may have a talent that you’d like to capitalise on.

Once you’ve come across something that you’d like to do, it’s time to take a look at the market and see what’s on offer.

Passing the test

So you’ve had a great idea and you’re keen to roll with it; now it’s time to put it through its paces. For the purpose of the exercise, let’s say that you have a passion for healthy living, and that you want to distribute a range of lifestyle accessories that promote healthy living with a do-it-yourself approach.

Ask around: Is there a market for products that promote healthy living? What sorts of products are available? Who would you be competing with and what do your competitors offer? Do you have the necessary skills to run such a business and -- more to the point -- what would those skills be? Where would your business be located?

Once you’ve answered those questions you should have a fairly clear picture of what your business will look like.

You source some products and decide to do some further research into the range of lifestyle products offered by a company called Vitality 4 Life. Your own life experience plus some work you’ve done as a dietician has given you the necessary skill sets, and you think that you’ll be able to work from home, giving you more time for family. There is an existing market, but there’s room for expansion. Now it’s time to take a closer look.

To be or not to be?

It’s time to get down to the nuts and bolts. You don’t want to jump into something feet first and find out the hard way that the budget just doesn’t work.

To get started, sit down and work out if you need to hire staff, which means paying wages.

If you lease a premises you’ll need to be able to pay the rent, and your location will have to be suitable for your business and target market (which also means that you’ll have to think carefully about just what that target market is). You’ll also need to work out the likely demand for your product/service.

Ok… you’ve worked out that there is enough demand for good quality juicers, sprouters, water filters and other high end accessories to take a shot at a distributorship as a home-based business opportunity. Now you need to make some marketing decisions.

Look at me! Look at me!

Advertising can be costly so you’ll want to be sure that your advertising budget is spent wisely. That means more market research, this time one-on-one. Profile your customer groups so you can aim your marketing at the right group/s of people.

Draw up a questionnaire (a short questionnaire -- people run out patience if you ramble for too long) and hang around outside a few of the local gyms (for our particular example). Come up with a mixture of open questions (What do you think of……..?) and closed questions (Do you have a gym membership? Yes/No.); sliding scales can be useful too.

For our health accessories business, a good question might be ‘How did you hear about this gym? Radio, tv, newspaper, word of mouth etc…’ Such a question would then give you an indication of the types of media that your target group responds best to.

Choose a business name, print up some business cards, buy some stock and get ready to trade!

Measure it, manage it!

A teacher of mine made the point that, in business, if you can’t measure it you can’t manage it.

You need to be able to plan ahead, and to do that you need to know -- or to be able to accurately predict -- your total sales. The equation is simple: number of customers x average sale x frequency of visits per customer per year = total sales. Remember it, revise it often, measure your business and you’ll be able to manage it!

Keep an eye on your bottom line and, most importantly, always be aware of your cash flow -- the cold, hard cash that you have in the bank. Allow for invoice periods (14 days, 30 days etc) when you’re planning your budget.

The market place has a life of its own, and no one can prepare for every contingency. Put some thought into your idea; make sure that there’s a market for what you’re offering; research, research, research; promote your business effectively; always know what’s going on in your bank account and don’t forget about cash flow!

It’s not perfect but, if you follow these few simple steps, you’ll be miles ahead of many new small business ventures. If you’ve heard of a great home-based business opportunity, or have a product or service of your own to market, you’re off to a great start!

3 Pillars of a Solid Home Based Business

In this day and age it is almost impossible to maintain a decent standard of living on one paycheck, but in a family where children are involved it is not always feasible for both dad and mom to have a job outside of the home. Daycare expenses, the need for a second car, and too much time away from the children are some common drawbacks. This however is the exact situation that a Home Based Business works to its greatest advantage.

Home Based Businesses are great and can be extremely profitable but without the proper knowledge and tools you can waste an incredible amount of time and/or money which defeats the purpose you started out with, namely to make money and have time to do the things you want to do. This article was written to give the average person like you and I a practical guideline to getting started in a home based business the right way, and to save you wasted time and money.

My experience has shown me that there are basically 3 main pillars or principles of a solid home based business.

Pillar #1: It must have minimal start up cost.

A home based business that has a high start up cost will take longer to see a profit, and as we said earlier, time is one of the things we are trying to cut down on. Minimal cost will also make the home based business more assessable to a larger amount of families or individuals who are just starting out.

Pillar #2: It must be easy to set up and maintain.

The more complicated your home business project, no matter what it is, the more likely you are to give up out of sheer frustration before you see a profit. A business that is easy to set up and maintain will give you confidence and a sense of accomplishment as you complete each simple step in the process.

Let's face it if you enjoyed wasting a lot of time and effort maintaining a home based business you would not be reading this article. This is about freeing you to spend time with your family and doing the things you love, not creating another taskmaster to replace your job! The first two pillars of a solid home based business are necessary for the third to occur.

Pillar #3: It must have a quick return on investment. (ROI)

You can spend months building a home based business but it there is never any real profit generated in a reasonable amount of time many people may get discouraged and give up. What is a reasonable amount of time? I would plan for a time frame on the order of weeks instead of months. Depending on the type of home based business some people have had a decent ROI within days, and unbelievable as it may sound some businesses that deal with affiliate marketing and sales can see profit as early as 15 minutes from startup!

You may be thinking to yourself "that's too simple!" Let me say that within these 3 pillars there is plenty of detail to keep anyone busy. The business that you choose to start should definitely be something that interests you and possibly even something that you already have a measure of experience in doing. Whatever home based business you get involved in make sure that it is propped up by the 3 pillars listed in this article. Do not make the mistake of overcomplicating your efforts or you will see very quickly that you will get bogged down with a lot of needlessly wasted time and effort.

Here's to your home based business success.

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I've been trying to make money online for a long time. I had a few small websites, but they never made much more than a few hundred per month. It was easy money and didn't require much work on my part, but I knew there were people out there doing better than I was and I knew I could do as well as them. Now, I've seen a lot of "get rich quick" programs. Most of these people make claims about earning $2000/day with Google or something similarly insane. Almost all of these people are complete liars. Even if they were making $2000/day with Google AdSense, it'd be because they had high- traffic websites with a lot of quality content. I'd know, because in one whole month, I never even made half of what they promised I'd make daily with their programs. Maybe you've already been scammed by one of these fraudsters. Anyway, I finally got sick of what was being offered. I decided I'd look through the all of the "get rich quick" programs I could find and see if there were any that were actually legitimate. I found that there were owners selling their programs for well over $100, but the information in them could be found almost anywhere online for free. Additionally, they all contained out-of-date information, had no e-mail support, no money back guarantees, and broken links in the downloads section. In conclusion, almost all of the programs I found were completely useless. The owners knew it, but they couldn't care less about their customers since they didn't offer refund policies! Amazingly, while looking through all of the programs, I actually did find a few legitimate programs. They were run by ordinary people like you and me, and they had found some great methods of making money from their home by doing very little work. I spent some time working with those programs, and my income is now ten times what it used to be. These programs provided a large amount of great information on how to make extra money on your computer doing very little work. Numerous customers had provided great feedback and reviews for their products. Many of them have started to make money just days after buying! Their programs have excellent prices, and the authors have a group of paid staff who are dedicating to helping you or providing assistance if you need any. I must say I was amazed! If you do decide to purchase any of the programs listed below, I recommend you join quickly. Most of the owners tell me they are getting an overwhelming number of sales and plan on raising prices in the near future, so order while prices are still low! To Your Online Success

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Finding your niche so you can concentrate. When you find out what your specialty is
then you can start to promote to the people that are working on the same type of things
you are. Are you just with a program to make money as an affiliate? Do you have your
own website that goes back to your affiliate site? Are you selling homemade products?
Are you someone that is selling from his/her own store or mall? There are so many
different things to promote and you want to reach your target audience to get the results
that you are seeking.

Outline your tasks daily using the day timer you will know what day and time you can
repost your ads or emails to Safelists. This is a great time saver. If you have multiple
email accounts a program called Thunderbird by Mozilla is tops, login one place and
check them all at once. A lot times for every task to get the most important done early
when you are full of energy. Take breaks so you can re-evaluate what you are doing and
be more receptive to tasks still to be done. Organization will set you above the crowd
because you will accomplish more.

Reach your crowd after finding your niche you need to advertise to your target. Go to
forums and post to the ones that fit your niche so you will be working your ads to people
with the same goals and targets you have. In the forums you will not be able to blatantly
set your ads out, post what you would like to add and then leave your signature with your
URL in it. If they enjoyed or learned from your post they might want to follow up by
visiting your site.

Mentors get you trained and help stimulate the learning process. They keep you fortified
with uplifting values and appeal to your excitement. With the right mentor you will go
farther because you are learning from them, this shortens your learning curve. When you
work with others listen and you will gain information from them from what they have been
doing in their promotion.

Using every avenue of promotion, traffic exchanges also use banner views for your credits.
They have blog exchanges, you view others blogs to get traffic to your blog. They also have
banner rotators you can post one url in the banner slot with 5 banners loaded to cycle
through. Just a few of the ways to make your time work better with tools online. Before you
purchase any software online check out and see what other people have to say about it at
Google. This is a way to find out before you have put out your money for software that will
not be used. Market wisely and then you will be in the profit zone.

Leave nothing to chance, ad trackers help you to find which promotion is working for you.
This also depends on titles and content when this has been checked and it still does
not pull people in, then leave the non-producers behind and find new ones. Traffic
Hoopla has the top promoters listed every week; this is a good resource to check. This
one costs but still a good resource- Traffic Testers.

Advertise, and advertise some more, you just have to get the word out. Even the big names
put their logos and advertising out there for millions of dollars. You can start with the free
ones and after making money move on and put your money out for paid advertising. Keep your
records so you know what you are spending and what is bringing the people to your site.

$1148 in One Day Working With Plants? You Bet!

This article is actually an example of a simple yet, excellent marketing plan. Pay close attention to how I went out and found new business at a time of the year when things are normally slow, and not only did I make $1,148.00, my friend Franky also made $1,060.00.


Because I chose to keep myself out of the rat race of landscaping new homes, I went after a market that was more of an impulsive type market. New home landscaping is almost a necessity, since new homes don’t have any shrubs or grass. Not only that, many housing developments actually require people to have their landscaping done within a certain number of months from the time they move into their new homes. Therefore, when the house is done, people are anxious to get it landscaped.


Since I wasn’t in that market, and most impulsive gardening decisions are made in the spring, my business typically slowed down during the very hot summer months. So one year I decided to do a little test marketing, to see if I could muster up some work during the summer.


I decided to do a test mailing to 350 homeowners in an area where I knew the people could afford landscaping services, but were not extremely rich. I mailed a letter to these 350 homes, and the letter basically said I could help them with any landscaping project that needed done, and because my business was slow during the summer I could give them a really fair price.


Of the 350 people that received the letter 3 called me. I immediately sold two jobs, and the third job was still open for discussion. On one of the first two jobs I made about $350. and on the other I made about $700. That’s net profit. That’s how much I got to keep. Since the mailing cost less than $175., my immediate profit on the mailing was $875. Not bad at all considering this was only a part-time business for me. But don’t forget about that third caller. I had not even met this person yet.


The reason he called is because he happened to own a 60 unit apartment building in the Cleveland area, and he needed some trees or shrubs planted around the parking lot. The architect that he had been working with suggested Taxus Hicksi, which is an evergreen that is easily trimmed and maintained to a certain size. However, all the landscapers he had spoken with in Cleveland wanted about $44.00 each to install these plants. Although a fair price, that amounted to $4,664.00 because he needed 106 plants.


He contacted me because he was hoping I could find a less expensive plant to use. After visiting the job site I realized that Taxus Hicksi actually was about the best choice for this situation, so I told him I would see if I could get a better price on the plants. I showed in a wholesale catalog that the wholesale price was $22.00 per plant, but mentioned that I might be able to find another source.


I knew that my friend Franky did at one time grow this particular plant, so I gave him a call. Turns out he did have 106 plants available, and was anxious to move some of them, he quoted me $10.00 each, balled in burlap. I called my customer and told him that I found good plants at a lower price, and that I could actually deliver and plant them for $22.00 per plant, which is exactly half of what others had quoted him. He was delighted, and I did the job. As a matter of fact he actually asked me to install some additional plants while I was there.


I hired 3 guys to help me do the job, and we had it done in one day. After I paid for the plants, and paid my help, I actually made $1,148.00 on that one day job. My customer was so happy with the work we did that he asked me to come back the following week and do about another $700.00 worth of work. I made another $350.00 The following spring he hired me to re-landscape an older home that he had purchased, and I made another $600.00.


Remember the $175.00 that I spent to mail those 350 letters? The net profit on that mailing turned out to be about $2,973.00!!! And my friend Franky picked up $1,060.00 for the plants I bought from him. Were these 350 people I selected special? No they weren’t. Every town in America has at least 350 people just like them, probably thousands more.


There are many different ways to make money with plants, this is just one of them, I can show you plenty more. I’ve been making money with plants for over 25 years.

3 Simple Tips For Making Money Online Even If You Don’t Have Anything To Sell!

Have an idea about making money online but don’t know where to start?

There are several ways to make money on the Internet – even if you don’t have a product to sell. Keep in mind that running an online business takes time and effort, just like running any business. However, you can get started without any products, which is one less roadblock for most people wanting to start a business.

You don’t need to be a computer expert to run an online business, but you do need to either be able to set up a website, or have the resources to pay someone else to do it for you.

Here are 3 simple ways to make money online even if you don’t have your own product:

Affiliate programs
Being an affiliate means you are selling other people’s products, and you get a percentage of the sale, or you make a small fee for each person who requests more information. Most major retailers offer affiliate programs, along with many smaller retailers (with lots of good products and services). It’s not a good idea to try to compete with an established retailer like Wal-Mart, Target, or Circuit City. A better way to make money is to find a “niche” that serves a smaller group of people, that you can easily reach.

For example, rather than selling sporting goods to everyone, you might start a fishing site that sells canoes and fishing products to people who like fresh water fishing. You can also find smaller retailers who may offer more specialized products to those who know a lot about fishing, while selling the basics from Wal-Mart to beginners.

A good place to start is Commission Junction (http://www.CJ.com), and you’ll get an idea of the products you can offer. Be creative in finding your niche, start with something you know a little about, or enjoy doing, and before long you can be making money online!

Adsense from Google
Adsense is an advertising program from search engine Google.com (there are other advertising programs you can offer, but for now Google’s is the biggest and most popular). By placing ads on your site, you earn money for each person who clicks on the ad. Google will automatically determine which ads are best for your site, based on the topic of each web page. All you have to do is place the code on your web page, and Google does the rest.

You can also sell individual ads, and determine your own terms and price. But using a program like Google is simple, and if your set gets a lot of visitors, you can make good money. Again, the best way to succeed is to find a niche, create a website around that topic, and Google will be able to determine the best ads for your visitors.

Write a “How-To” booklet
If you don’t want to sell other people’s products, but don’t have a lot of money to create your own, a simple way to get started is to write your own “how-to” booklet. Pick a topic you know enough to write about, and start writing. Information products are always good sellers – the key is to solve a particular problem. “How to catch fresh water fish” or “How to plan a fishing vacation on a tight budget” are possibilities for the fishing niche mentioned above.

To learn more, do a search for “creating information products” or “writing e-books”, and you will find lots of resources. Once you create your product, Clickbank.com offers a simple service to help you sell your information product, and there are others to help you get started.

Again, be creative, there are lots of problems out there that people need help with. And offering a good solution can make you lots of money!

Making money online takes more than just building a website. You need to pick the right products or services. Then you need to find the right audience to sell those products and services. Then you need to promote your website to enough people so you can make money. For now, you should have enough ideas to get you started – even if you don’t have a product to sell yet!

3 Simple Steps to Your Own Website - Explained.

So you want to build that website – for whatever reason, perhaps you’ve started a business or simply wish to share pictures of the new addition to your family. Let me tell you it’s easier than you think – all you need is directions that you can follow and you will soon be online.

Let’s talk what it will cost upfront. For $10 - $20/month you can have a working website (Imagine: www.yourname.com), available to anyone in the world with internet access. That’s a trip to your favourite fast food joint. (Yes, you can afford it!) There are also some ways of getting a free site – still residing at www.yourname.com, but lets learn about all those weird internet terms first.

There are 3 basic components required to building a personal, custom website.
You need:
- A domain name
- A hosting account and
- Content written in HTML or some other web language.
I know, what’s a domain name!!!?

Here is an analogy I teach:

You live in a home that is built on a certain piece of land (that you rent or buy). That piece of land has a specific address.

Your website (a collection of individual web pages) sits on a hosting account that you rent. That hosting account is found at a specific address – called a domain name.

Your Home Your Website
Your Street Address: e.g. 1 John St, Anytown
Your domain name: e.g. www.yourname.com
Your plot of land Your hosting account
Your physical house Your web content

Here is the 3 step process:
STEP 1: Choose your address
STEP 2: Rent some space on a computer connected to the internet
STEP 3: Build the house you want and place it on the space you bought in step 2

Let’s explain each step:
STEP 1: Choose your address (a domain name)
With the internet you can choose what you want your address to be (your domain name). What are you selling? What would make a cool name? Understand that after over 10 years of public internet access – a lot of good names have been taken. So get creative, and be unique but understandable. An easy place to start with is your full name for a family/personal site or your product name for a business site. Make a list of about 10 possibilities that you like in this format www.yourdesiredname.com Move to the next step.

STEP 2: Rent some space on a computer connected to the internet (A hosting account)
With a quick search for the words “Web Hosting” on the internet, you get a list of web hosting companies – all eager to sell or rent you some space on their computer. GoDaddy.com and 1and1.com are some recommended companies – feel free to look into others, but there are thousands upon thousands – so don’t waste your time searching for the cheapest (you pay for what you get, but $10+ will get you a decent hosting account.

Many of the hosting companies will either give you or sell you your choice of domain name at the same time you start your hosting account. Bring out your list from STEP 1, and when instructed in the purchase process, enter in your first domain name choice. You will be informed if that name is available or not. Keep trying out your names in order of your preference until you find on that is available. Finish the purchase process and let the hosting company instruct you on how to access you account. (They’ll send you an email – and if you go with one of the companies I recommended, you can call them with your questions.)

STEP 3: Build the house you want and place it on the space you bought in step 2
You have some choices to make here:
A - You can ask someone to build you a site.
B - You can build it yourself.
C - Use a free website builder – (like a blog)
Each has its pros and cons.

The first option is great if you can afford it and can find someone reliable. If you want cheap, post a job at your local high school – someone in computer club will be able to help you for really cheap. The problem is that they may not always be around when you need them to make changes. Enter choice B

It’s great to learn a new skill, and you can learn for free online – just invest a little time. Remember once you know how… you own that knowledge forever and you will never depend on someone else to build your site. Again search online for “how to build a website” They will tell you how to design, build and upload your site onto your hosting account form STEP 2.

If you don’t really require a customized design and all you want to do is place some text and perhaps some pictures online. I suggest starting what’s called a blog - these are often free, and have a really simple “HTML CODE FREE” way of adding your content. All you do is type and publish. You can often still have your own domain name here, but each blogging company is different. Again search online for blogging – and read what the various companies offer.


Content
There is one thing that is really important and that ONLY you can do! That is come up with the content and the idea. Think about what you have to offer and what problem it solves for your visitors and prepare your content so as to answer that problem. E.g. You write great jokes. People are looking for jokes… your website should give people some jokes and perhaps they can register for your daily joke email.
Write simply, write short, write clearly. As time goes on, remember to keep your site fresh. Keep the content updated and relevant to your ideal visitors.

The goal of this article was to give you easy steps of how to get a website for yourself. Naturally you can learn more about each step, and there are many people who can give you help, but now you can start the journey. Create your list of domain names, purchase a hosting account (including the domain name you want) and build your site and keep the content fresh.

In future articles I’ll take about next steps:

- “I build it, but they ain’t coming to see it.”

- “I built it, but nobody’s buying”

- “I built it, but I don’t know how to improve it.”

A journey of a million miles starts with one step – so go to step 1 and start. (Don’t worry – this is not a long journey – but it’s exciting!).

Here to Help You!

Thanks for reading,
Your Rich Cousin
(Author and Business Success Story) Get the free e-book that got me started and helped me start making money at http://www.richcousin.com It's so straight forward and easy to understand AND you will have the support you need to start making a great income online.

3 Quick Ways To Start Your Own Online Business In Less Than 24 Hours

The Internet and online business especially are becoming more and more popular by the day in todays world simply because people are starting to see the true benefits of the web, consumers are starting to trust the web more, and more importantly, the start up costs for a online business are next to nothing compared to the offline world of business start ups.

The only set back most people run into when wanting to start one of their own online business is How and Where to get started.

I did a search under the keyword term "home based business" and the search results returned 575,000,000 results for that keyword alone.

That's a pretty intimidating number for someone wanting to start their own home based business on the web wouldn't you say?

These were the same obstacles I was up against when I first ventured into the online world of business.

But I didn't let that stop me and I hope that won't stop you either from wanting to start your own online business.

So, I saved you the hassle and put together 3 of the quickest ways for ANYONE(that's You) to start their own online business with next to no investment required and can get started in less than 24 hours.

Are you ready? I hope so.


Business Model #1. Affiliate Programs.

Affiliate Programs are simply programs set up by the business owner for others to sign up for and promote for the business owner for a agreed upon commission(usually between 10 - 75%).

The great thing about Affiliate marketing is it doesn't cost you a single penny to get started, you don't have to worry about refunds or customer service that come with owning your own product.

All you have to worry about is generating the traffic to your affiliate link and collecting your commission cheques.

This is the quickest way to get started online... Period!

Here's a few Affiliate Directories to give you a start:

Associate Programs - http://www.associateprograms.com

Refer It - http://www.refer-it.com


Business Model #2. Resell Rights.

Resell Rights are simply products that have already been created and are available to anybody who is willing to pay for the Resell Rights to market them.

The upside to this is you get Ready-To-Go websites with PROVEN sales letters that convert. The best part of all is... you get to keep 100% of the $Profits$.

The draw back is you can't claim those products as your own. The original creator of the product maintains full rights. You just get to keep all the profits.

Not such a bad trade off wouldn't you say?


Business Model #3. Private Label Resell Rights.

Private Label Resell Rights are simply products that are ready to be branded with your name to it.

What I mean by that is you get full rights to the product or products and are able to claim them as your own even though you didn't create them yourself.

This is the fastest way for anyone to start a online business who really doesn't have any experience or knowledge on how to create their own products.

The other really cool thing about Private Label Resell Rights products is they come with Ready-To-Go websites which then again saves you time and money in having to create them yourself.


Well there you have it, 3 Quick Ways To Start Your Own Online Business In Less Than 24 Hours.

The easiest way to locate any of the above via the search engines is by entering something like this into there search engine web form:

affiliate programs + "what your niche is"

(Note: make sure you use the quotations around what niche you want to target. Very Important!)


This will save you time and target your search much better, where as if you were to just enter 'affiliate programs' into the search engine web form you would get a gazillion results, leaving you frustrated.

Now, the only thing left for you to do Right NOW is make a decision on what you would really enjoy doing as a business online.

Once you've figured that out the only thing left for you to do is put together a... Plan For $Profit$.

3 Legitimate Reasons For Getting An Immediate Product Refund

So now that you've finally decided to purchase that product and can't wait to try it out, you have to find out that it does anything else but what you've expected. Don't worry, you still have a chance to get your money back with the following tips for getting an immediate product refund.

1. False advertising

"Get 10.000 hits to your website in 24 hours". Such tempting promises might sure make you wanna flip out your credit card immediately. But when you apply the methods or use the software and have to find out that those 10.000 hits might really result in 10, then this is a legitimate reason for requesting a refund. Unfortunately it's not always that easy. Many vendors get around such false advertising by stating in the fine print that these results cannot be guaranteed. Therefore always keep an eye on such statements and if you cannot believe what's advertised then search for product reviews using your favorite search engine.

2. Product outdated

Believe it or not, but I've seen products that were still advertised and happily took the money out of the customers' pockets but were totally outdated or didn't work anymore. I once bought a product that could not be downloaded anymore but still had the sales page up and running, it even displayed the current date indicating the end of a special promotion. Every attempt to contact the creator of the software failed and after I read in a forum that I wasn't the only one not being able to download the software, I contacted the credit card processing company and got my money back.

3. Usability

Not every software is as user-friendly as Windows (you got the joke, right?!), which can be frustrating if you want nothing more than use it immediately. For most complex software products there exist written tutorials that exactly describe how to use them and sometimes even video tutorials that make the product handling even easier. If you've read and watched all tutorials and still cannot manage to use the product, then state this to the creator and you should get that refund.

If you've contacted the product creator and still were not able to get a refund despite some legitimate and acceptable reasons, not all hope is gone. Most marketplaces offer a refund guarantee for products that were sold through them (e. g. Clickbank offers its customers a general refund policy of 8 weeks after the product purchase, for a vendor like PayDotCom you have to contact the credit card processor like Paypal which has a refund policy of 60 days).

It is always suggested to clearly state the reason for your product refund and to keep a friendly communication style. Even if the product is not worth a single penny it doesn't make things easier when you insult the creator. Try to show that you've really tried to use the product in an efficient way, maybe attach some screenshots, include suggestions what could be better, etc. The product creator might loose you as a customer but still can benefit from your experience and will most of the time happily give you the refund.

Whatever you do, please be fair. It's just not right to purchase a product which you badly want and then request a refund to get your money back but still continue to use the product. Most marketplaces (Clickbank, PayDotCom) tolerate 2 or even more refunds, but after that you might not be able to purchase anything again through the specific company.