Home Business The Easy Way - APr Update http://www.blogmoneymiracle.com en-us EasyRSS
by Herman Drost

When I surf the Net, I often see Web sites filled with beautiful graphics that strive to capture my attention. Well, they do so for an instant, however I click away when I don't immediately find relevant content. The content you add to your web site needs to attract both visitors and search engines.

Here are 14 ways to add content to your web site and attract visitors:

1. Get into the mind of your visitor. Brainstorm all the ways your visitor would think of your product. Write your content as if you are sitting next to him/her explaining your product. Don't write in the 3rd person, i.e. "we," "they," but use "I," "you," or "your." This makes it more personal.

2. Keep it simple - write as if explaining your Web site material to a 7th grader (12-13 year old). Don't use complicated words that people would have to look up in the dictionary. You want them to understand clearly what your site is about.

3. Convey emotion - people on the Web are often in a great hurry, so you need to appeal to their emotions to stop them clicking away to the next site. Use stories, convey your experiences or include testimonies from others. This adds to your credibility and trust, 2 essential factors for doing business online.

4. Communicate quickly and efficiently - people online tend to scan rather than read everything on the page. Therefore, use single lines of text for your headings and sub headings. Catch your visitor's eye with lists, bullet points and use short, snappy, active (not passive) words in your sentences. Your paragraphs should only consist of 2-5 sentences. Long paragraphs make it hard to read (scan) your
page quickly.

5. Create white space - the layout of your Web page should include plenty of white space. Don't lean text hard up against your graphics. Include white space between headings, sub headings and paragraphs.

6. Use graphics sparingly - you have heard it said, "a picture is worth a 1000 words." That's true, but only if the picture supports your content. Don't overdo the graphics. You may impress your visitors initially, however, to keep them interested in your site, you need high quality content.

7. Create high quality content - make clear points with each paragraph you write. Each paragraph should build on the previous one, so that you are pulling your visitor through your page naturally. You are trying to pre-sell the product or service to your visitor. This puts them in a natural frame of mind to buy (unlike many sites, which may just have pictures of the products and a shopping cart).

8. Web page background - a colorful or busy background can make your text hard to read and may give the impression of an inexperienced Webmaster. If you do use a background image, make sure it complements your site's theme, fits with your visitors' experience and will increase your credibility.

9. Use the correct fonts - the offline world primarily uses "Times New Roman". This works well in print but not online. Sans Serif fonts, such as Arial, Verdana and Helvetica are the best fonts for easy online scanning.

10. Font colors - the best colors for reading online are black text on a white or off-white background. If you want to use multiple colors only use a maximum of 3. Too many text colors on a Web page make it hard on the eyes and spell inexperience. To emphasize text, you can use the bold tag (this text will appear bold) or italic tag (this text will appear in italics).

11. Check spelling and grammar - run your page through spell check in your word processor. It won't pick up all the mistakes, so make sure you read it through yourself, to find other errors. Spelling and grammar mistakes convey an unprofessional impression.

12. Simple navigation - the main purpose of the navigation bar is to make it easy for your visitor to find his way around your site. Place your navigation bar on the left side or top of your page (or both). Repeat the bar at the bottom of the page, so your visitor does not have to scroll back up to move on to another section.

(Read my article "How to Create an Effective Web Site Navigation Structure" http://www.isitebuild.com/navigation for more specific help in this area).

13. Get a critique - don't fall in love with your writing and leave it there. Yes, it's hard to listen to someone criticizing your beautiful piece of work, but swallow your pride and get your friends or family members to do a review of your Web page. This will help you to refine what you have written and make it appeal to a wider audience.

14. Use specific keywords - weave targeted keywords into your Web page as you write your Web page content.

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Herman Drost is the Certified Internet Webmaster (CIW) owner and author of http://www.iSiteBuild.com. Affordable Web Site Design and Web Hosting. Pick up your copy of the 159 page E-book TODAY titled: "Make Your Content Pre-Sell," by going to this link: http://mycps.sitesell.com/webselling83.html

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The popularity of web video on blogs has soared over the past year, and there is good reason why. Some may ask why web video is so popular on blogs, and there are many answers to that question. First, the purpose of a blog is to share information with others. The majority of computer users are usually literate; however this is not always the case. Web video will provide an opportunity to hook their attention and give them a grasp of the concept without having to understand a word. Second, there are a lot of internet users who are simply too busy to read a website’s information- web video creates the opportunity to hook their attention which may have otherwise been lost on your wording of the blog/website.

For many people reading blogs or websites is something they do while doing something else- take the example of an office worker who is working but flicking back and forward between your blog. Whether the individual is just doing other things on the computer, or they are actually away from the computer but watching the video as if it were television, the individual that is doing the viewing is able to multi-task in a way that they would have been unable to do without the video on the blog. This simply helps to smooth out a person’s life so that they can do other things at the same time, should the individual be in a hurry or want to multi-task. You are creating the opportunity to reach more potential viewers and customers!

Not everyone who is reading your blog will have the attention span to absorb the information you want them to, nor will they be able to absorb it in a timeframe that they want to. When an individual is not able to read something quickly, they may not be as inclined to work on reading a blog that they may otherwise be interested in reading. In order to make up for this, many people will post web videos on their blog sites in order to capture the attention of an individual that may be either viewing the videos on the blog or reading the blog itself. If a person sees a web video that they are interested in, they may be more likely to read the blog or website that coincides with it, even if they struggle with reading- all because they enjoyed your video content. A Blog without web video would be neglecting such potential viewers/customers.

Now that you have decided to incorporate web video into your blog, the next logical step is to submit your video to Youtube as well. This will drive traffic and interest to your Blog based solely on the video you are displaying on your blog. The way it works is that when you submit your video to Youtube you include a list of tags- which is the same thing as keywords. When users type in these keywords, depending on the relevancem, your video will show up. This means that you have a captive audience interested in the material in your web video, which if they choose to visit your blog or website, will more likely result in a sale or positive traffic flow. So, join Youtube today and follow the steps to upload the video you are displaying on your Blog.

The next step is to drive search engine traffic directly to your Youtube video. I believe the best way to do this is via social bookmarking. Join Onlywire.com and submit the address of your Youtube video to all the popular social bookmarking directories. Again you can include tags which will drive traffic to your video based on the key search terms in relation your Blog web video. This will essentially cast a ‘web’ of links on social bookmarking directories to your video. Onlywire is a fantastic website that will allow you to drive free traffic to all your Blogs and Websites.

We live in a fast paced lifestyle, and people expect to be entertained and engaged immediately. Utilizing web video software on your blog will only increase your chances of attention and potential sales if that is what you seek to achieve via your blog.

Want an easy way to put Web Video on your Blog or Website? Please visit: http://www.easywebvideosoftware.com.]]> http://miraclemoneyblog.com/homebiztips/HomeBusinessTips_APr_344/user/index.php
An online marketing business can be very complex when you think of all the ways you can market a business online. You may decide to choose one or two main methods of internet marketing, or you may choose several techniques.

If you're a seasoned internet marketer with an online marketing business, or even a newbie embarking on a new online business venture, you have probably already encountered the One-Time Offer (OTO) as one of these methods of marketing.

A one-time offer is a sales page that might pop up in several different places that allows you to make a purchase - now or never. You only see the page once, so you have to read it carefully and decide whether or not you want to make the purchase or forego the offer forever.

It's a very clever online sales tactic that works for some, but doesn't work so well for others. Successful and well-known internet marketers like Mike Filsaime use the OTO as a method that helps them generate millions of dollars each year.

I have also used the OTO as a method that would supposedly help me generate more extra cash. For example, I tried OTO GoldMine, a system designed for the newbie to make extra cash by offering software and other products related to internet marketing for a (usually) very low price.

At first I jumped at this free opportunity. Who wouldn't when you hear all about how well one-time offers capture those internet surfers who are rushed to make a decision now, or lose the opportunity forever?

I added it to my online marketing business website so that each time a visitor left my site, they were presented with the OTO Goldmine offer page, which, as an exit screen, offered products related to my site, much like you would capture subscribers with an exit pop-up.

After at least a few months, I realized that the OTO – for me and the way I was using it, anyway – goes against what I really believe and value when I think about my online marketing business and what it is intended to do. As excited as I was to put it up, I was equally excited to take it down.

After all, I am not about suckering people into spending their money just because they visited my website. I am really about building an honest business and recommending products as I see fit.

That does not, however, mean that I used the OTO GoldMine product in the best possible way. You really can make a lot of extra money with this system, and it is effective enough that it's used by the pros out there.

Perhaps the one-time offer is meant to be used more carefully. For example, if someone purchased something off my online marketing business website, it would be an ideal time to present a one-time offer--after they have made their initial purchase. Most good salespeople know that it's good practice to offer something else of related value upon making a sale.

I, on the other hand, placed the OTO in a place where people visited my site, decided they didn't want anything I had to offer, and then they saw my OTO sales page. It was as though I made one last desperate attempt to squeeze a few pennies out of those visitors who weren't interested in purchasing anything in the first place! Bad me.

I have learned my lesson, but have not returned to the one-time offer which-- I admit-- did not make me any money.

You may also advertise the OTO as a sales page in traffic exchanges or to your newsletter list. I still maintain that you will only be successful at this if you do it right, put the OTO's in the right places at the right times, and have an incredible offer that can't be refused.

In summary, I believe the one-time can indeed be quite profitable if you are a somewhat experienced online marketer and know exactly how, where, and when to use the one-time offer to your advantage and your customer's benefit.

Online marketing businesses are not all about making money online. That is certainly an added bonus, but be careful about how you go about the one-time offer. You don't want to lose the trust and respect of your valuable customers, so learn all you can about one-time offers, and work on building those customer relationships first.

I may try the OTO again for my online marketing business in the future, but rest assured, I will be smarter about it next time. Live and learn, as they say!

Liane Bate owns a Plug-in Profit Site web business, and is author of 100+ articles related to online business and internet marketing. Visit: http://www.HonestMoneyMaking.com , http://www.HonestMoneyMaking.com/pips.html , and http://www.HonestMoneyMaking.com/blog/]]> http://miraclemoneyblog.com/homebiztips/HomeBusinessTips_APr_344/user/index.php
by Caroline Melberg

If you are an avid reader of Blue Chip Tips, you’ll know that I spend a good deal of time on the water, and a portion of that time on the water is spent fishing.

Living in The Land of 10,000 Lakes makes this not too difficult to do, but I also enjoy fishing everywhere our travels take us (hence our recent fishing and photographic expedition to Alaska).

Over the course of my lifetime, I am pretty sure I’ve reeled in just about every type of freshwater fish available in our northern lakes – except one. The Musky.

Walleye and bass and northern pike – all day long. Sunfish and crappie and bluegill – no problem. But muskies? Not one.

I’ve had what is referred to in fishing parlance as "a follow" – where you look down at your lure as you reel it toward the boat just in time to catch a splash and hear the water ripple as a giant musky is tempted by your lure – only to turn and swim away at the last minute.

But I’ve never reeled one in.

Muskies are a sport fish – they can grow to be huge – the world record muskie, caught in Hayward, Wisconsin, was 63-1/2” long and weighed 69 lbs. – and just in case you aren’t into fishing - that’s a big freshwater fish. But you wouldn’t want to eat one.

Muskies don’t just bite at anything you throw at them – they take work. While you can go out and catch walleye with little effort, the musky is the fish of 10,000 casts. If you haven’t put in your time on the water, you won’t catch one. Muskies take sweat equity.

Advertising headlines are a lot like the elusive musky. While writing body copy comes fairly easily, the most important element of your ad or direct mail piece – the headline – takes hard work. You’ve got to put your time in "on the water" to nail one – and even the experts consistently write over 100 unique headlines for each promotion before they settle on the most compelling choice.

Fortunately – just like fishing pros use all sorts of "special tricks" to improve their musky-catching odds – copywriters use secrets of their own to consistently craft powerful, arresting headlines.

That said, here are 5 secrets you can use immediately to improve your headlines and improve your odds of reeling in your prospect:

1. Keep it Simple!

The best headlines are difficult to write because you must eliminate every unnecessary word and focus on one compelling idea – one and only one. Too many ideas will confuse your reader and you’ll lose your prospect.

2. Focus on Now

Your headline needs to create a sense of urgency to break through the clutter and get your prospect to focus on what you have to say. Something isn’t going to happen – it IS happening.

3. Benefits

By reading your ad or direct mail piece, your prospect should learn something they didn’t know before. By providing an inherent benefit in your headline, you build trust with your prospect which encourages them to read further.

4. Useful

Make sure the information conveyed in your headline is useful to your prospect – implying or referring to information that they need or want to know.

5. Specific

Tell your reader what you are talking about – what will your product or service specifically do for your prospect that your competitor’s product or service will not? Tell your prospect and watch your sales grow!

Entrepreneur and outdoor photography adventurer Caroline Melberg is President and CEO of Small Business Mavericks, a division of Melberg Marketing. She has over 20 years of experience creating marketing communications materials and writing copy for some of the largest and most successful companies in the world. Her small business columns are syndicated online, and she publishes the popular eZine, "Small Business Maverick Secrets." Learn insider Maverick Marketing secrets you can use immediately to find new customers and increase your sales. When you subscribe, you'll also get a FREE copy of her e-Book, "Local Small Business Internet Marketing Secrets" - learn insider secrets to marketing your local small business on the Web today! Get your FREE subscription at www.SmallBusinessMavericks.com.

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by Joe Cooper

Over the years, I have read thousands of books, articles, and newspapers, and listened to hundreds of speeches and lectures about all kinds of mumbo-jumbo. A topic that has always intrigued me is, "What does it take to truly be successful?"

I’m talking about, "How does one really pull himself up from his boat straps?" “How does one go from rags to riches?” “Is there a general set of circumstances one needs in his environment?” “Is it a combination of quality characteristics within an individual?” “Do you have to know the right people?” “Do you have to be lucky?” “If you have to be smart, why do I know people right now who are less intelligent than me, but who are twice as rich?”

I’ve been researching these questions and many others like them, to finally come up with a definitive list or combination of skills that I believe to be most important for one to achieve their business dreams, no matter what they may be.

There are three primary "ingredients" that I have discovered to be absolutely vital for your success. The great thing is that you have most of these ingredients right inside of yourself. You just have to bring them out, cultivate them, and use them.

1. The first necessity is earning your own Luck.

Okay, okay! I know what you rationalists out there are saying: “There is no such thing as luck!”

This is positively not true! I will prove it to you over the course of these lessons!

I have always been fascinated with the idea of luck, i.e. good fortune. I have always wondered why it befell some more than others. Over the years, I have had the privilege to get my hands on several very, very hard to find books (many that have been out of print for decades). I have learned that the majority of the content you find in today’s most popular positive thinking books has already been covered in books printed back in the 1920’s, or earlier.

One of the best (rare) books that I’ve been fortunate enough to get my hands on is a tiny little blue book called The Kybalion. It is a book on Hermetic Philosophy.

Hermetic Philosophy is not Greek Philosophy, but in truth, Ancient Egyptian Philosophy. History tells us that Greek disciples traveled to Ancient Egypt during Ancient times, to be educated and initiated into what was called the Mystery Systems.

Egypt is accredited as the birthplace of Hidden Wisdom. All nations across the Earth have borrowed from their knowledge. This includes the ancient civilizations of India, Persia, Chaldea, Medea, China, Japan, Assyria, ancient Greece and Rome, and other ancient countries.

The great founder of this philosophy was known as the "Master of Masters," Hermes Trismegistus (meaning "thrice great," "the great-great," "the greatest great"). He is said to have lived three hundred years in the flesh (take it with a grain of salt)!

The best Christian authorities regard him as a contemporary of Abraham of the Christian Bible. Some Jewish traditions go so far as to claim that Abraham acquired (was taught) some of his mystical knowledge from Hermes. The Egyptians deified him making him one of their gods called Thoth, the Great God of Wisdom. Years later, the ancient Greeks made him one of their many gods, calling him Hermes.

That is what he is popularly known as today.

Although the teachings have deteriorated over thousands of years, even to this day, traces of the Hermetic teachings can be found in all lands, among all religions. I don’t want to bore you with a long history lesson, so I’ll get on to explaining what all of this has to do with Luck.

Let's take a look at the relationship between luck and Universal Law. There are a lot of books that have been written on Universal Laws. Universal Law is, basically, the laws that govern all of humanity, nature, animals, plants, marine life, time, space, and everything in-between.

I have never read a better, more complete book on the subject than The Kybalion. The Kybalion explains that there are Seven Laws, or Principles, that govern creation. The seven laws and their basic axioms are:

The Law of Mentalism, which states that "The All is Mind; The Universe is Mental."

The Law of Correspondence, which states "As above, so below; as below, so above."

The Law of Vibration, which states "Nothing rests; everything moves; everything vibrates."

The Law of Polarity, which states that "Everything is dual; everything has poles; everything has its pair of opposites; like and unlike are the same; opposites are identical in nature, but different in degree; extremes meet; all truths are but half-truths; all paradoxes may be reconciled."

The Law of Gender, which states that "Gender is in everything; everything has its Masculine and Feminine principles; Gender manifests on all planes."

The Law of Rhythm, which states that "Everything flows out and in; everything has its tides; all things rise and fall; the pendulum swings manifest in everything; the measure of the swing to the right is the measure of the swing to the left; rhythm compensates."

The Law of Cause and Effect, which states that "Every Cause has its Effect; every Effect has its Cause; everything happens according to law; Chance is but the name for Law not recognized; there are many planes of causation but nothing escapes the Law."

These are the Seven Laws of the Universe, according to the teachings of Thoth (a.k.a. Hermes of ancient Greece). To find out more about them, read The Kybalion. It is a fabulous book that every human being would benefit from reading. It’s a little hard to find, but there are still copies out there for those of you willing to do a little digging.

If you want something in life, but find that you have not been able to attain it, the questions you need to ask yourself are "Are my thoughts and actions in harmony with Universal Law?" "Are my thoughts and action in harmony with what I want?"

A very important lesson I've learned is that, when we fail in life, it's not because we are "breaking the law." It's because the Law is breaking US. This is because the Law operates unceasingly, regardless of if we are consciously aware of it or not. The law suffers every fool.

The advantage you should take away from this article, then, is to stop working against yourself and to start working within the Law. Use it to your advantage.

Here's a quick example: Whenever you are evaluating a situation or sizing up events, problems, challenges, or designing goals, objectives, etc. always ask yourself, "What role does Universal Law play in what I am seeking?"

This is always the best place to start because, whether you are aware of it or not, Universal Law is forever operating unmercifully.

Now we know what Universal Law is: It is the operation of Seven Laws which we will go into detail right now. I will also explain why everyone is entitled to a "lucky break."

Universal Law does exist. We do not live in a chaos, but in a Cosmos sustained by fixed Law and Order. This is actually a major advantage!

Everything you want in life can be manifested by properly attuning your mind. You have to first know what you want and then mentally create it, inside of your mind, and by using your emotions, imagination, faith, will, intelligence, and zeal, and by doing it all with feeling (Mentalism).

In other words, you have to truly believe that you can achieve what you set out to achieve.

Once you have successfully created the desired circumstances and resources you’ll need (inside of your mind first), your subconscious mind will gradually start to create the external means of attainment (Correspondence). You’ll start meeting the right people, gravitating towards the correct resources, and generally start to always be at the right place at the right time, doing the right things!

It may not seem like you are on the right path, but persevere. There is no such thing as a "mistake" for those dedicated to success.

You will continue to consistently and passionately imagine and mentally affirm your desires. This will intensify your external manifestations, because you will nurture your mental images with emotion, visualization, will power, and deep desire (Vibration), which will further draw you to the right circumstances, people, places, and things, and draw the proper circumstances, people, places, and things to you.

You will generally be moving in "the right direction" you need to be going to succeed (Polarity). You will combine together the proper mental state within yourself (Feminine polarity) with the necessary action and physical effort (Masculine polarity) to propel yourself towards your objective at an even higher intensity and rate of speed.

You will sustain your mental focus and physical labor, regardless of the natural ebbs and flows of daily, weekly, monthly, and yearly cycles. You will overcome the ups and downs of your energy levels, mood swings, self-doubts, the natural "highs" and "lows" of existence, etc. You will overcome the adverse rhythm of life (Rhythm) by persistently staying focused mentally and staying loyal to achieving your goals.

Over a long enough timeline, if you sustain your mental focus and your hard efforts (Cause), through all of the cyclical, rhythmical controversy that none of us can escape, you will be rewarded, eventually, with a "lucky break" (the Effect).

To work this process until you achieve your goals entirely is to defy the odds (thus earning your "lucky break").

There is no telling how this "lucky break" will come about. But, all you need to know is that it is inevitable. This means it is 100% guaranteed to happen (as long you do your part). As sure as the sun comes up everyday, you will be rewarded with "a lucky break" and probably many "lucky breaks" along your journey towards your objective.

Luck is natural, but rarely perceived as such, because it is very difficult to mathematically predict. By appearance alone, it seems random at times, because you never know when it will pop up.

The best thing to know is that, when you do your part and stay dedicated to the natural operation of things, you will be rewarded. Chances are, you will be surprised at the timing of your lucky break but, nonetheless, you will receive it.

The Law of Luck, then, is that everyone is entitled to their own lucky breaks in life. No one has a monopoly on luck. Luck is earned. Over a long enough timeline, everyone is entitled to his or her lucky break. This is true, provided they work hard and are smart about how they work hard.

About The Author:

Joe Cooper has researched and experimented with over 275 home based business opportunities over 25 years. Discover more information about internet scam reporting at http://www.best-internet-home-based-business.net and http://www.best-internet-home-based-business.net/order_form.html

© Copyright 2006 Joe Cooper

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By Ocha Nix

So you bought a digital camera and now you want to start a digital photography business. With all the software for posting photos online, this makes a digital photography business more realistic today than ever before.

In fact, anyone who has, or is looking to start their own digital photography business can now use the Internet as a solution to selling more of their digital photographs. Digital photographs can be uploaded and you, as the photographer can sell your photographs to anyone with an Internet connection, anywhere in the world. This concept has greatly increased the digital photography business for photographers around the globe while increasing their sales in their digital photography business.

It does not take much to start your own digital photography business. In fact, you can get started with just a simple digital camera and an Internet connection and the desire to own your own digital photography business. For those who want to start a digital photography business, can do so from their home. A home-based digital photography business is ideal for college students, stay at home moms, and retired individuals looking to supplement their income. In fact, a home-based digital photography business is one of the best home-based businesses one can start.

There are some things, however, to consider; such as the type of business you will set up. Whether a sole owner or a LLC, you will need to know the legal aspects of setting up your digital photography business, as with any business. Once you have all the legal aspects in place, the next step in your digital photography business is to start taking digital photographs, submit them online, and start making money.

To learn more about the specifics of starting a digital photography business read on...

http://www.infoesource.com/digitalphoto.html

Ocha has been in sales and sales management for over 24 years. He is currently in marketing and support in the distribution industry. He says he gets more enjoyment from his online business that any other "job" he has ever had. http://www.infows.blogspot.com

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by Martene Carlsen

Before you read this article: I'm not an expert - this is just a short (and hopefully amusing) account of my own experiences with starting up a Website! I WILL, however, give you some very useful links to the REAL experts at the end of this article.

BUT -- DON'T SKIP TO THE END JUST YET! I still have a lot of funny, insightful and useful information to give you along the way.

About 8 months ago, I got a great idea! "I'm gonna' make a Website with flash greeting cards that people can send to all their friends!"

No, I didn't think I was the first person to get this idea. I'm not THAT naive! However, I was naive in a lot of other ways about what it takes to build a Website – but I'll get to that later.

Anyway, I thought this was a great idea for ME; I love making little animations in Flash, I love thinking up little stories, I love working for myself (as opposed to working for a boss - but you can read about that on my Website!), and I thought it would be really cool to have a Website that people from all over the world would visit and use.

WOW! Sort of my 15 minutes of fame, I guess. AND, if somewhere down the line, I could make just a liiiiiiiittle money on it; GREAT! And I'm not talking millionaire money, just enough to cover my expenses.

Okay okay -- and maybe a liiiiiiittle bit more than that : )

Being able to afford red wine in bottles instead of cartons would be nice!

I started working on ideas (I had lots of them!) for ecards, and then I started making the very first card (that I intended to send to my parents on their 50th wedding anniversary as a "test," to see if other people would think my cards were as funny as I did).

Then, a funny thing happened (no, not on the way to the Forum); my mother (who has absolutely no knowledge of the Internet or ecard Websites or anything of an electronic nature, and who knew NOTHING of my idea of starting my own ecard Website) had cut out an article from their newspaper for me. It was the (success) story of a British artist, Jacquie Lawson, who at the tender age of 57, created an interactive flash Christmas ecard and emailed it to her friends and yada yada yada -- now he has a VERY profitable subscription-based ecard Website.

And we're talking MILLIONS of dollars here, folks!

I thought: "My God! This is a sign! This must be what I'm put on this planet to do! It's my calling!"

You see, my mom has NEVER EVER given me any newspaper clippings about ANYTHING before -- so why now, why about this? It MUST be a sign! I'm not a religious or superstitious person, but this was just a little too much to be coincidental, I decided!

So, I kept working my lower-part-of-my-body (no, not my legs!) off. I finished the first card JUST in time for my parents' 50th wedding anniversary and emailed it to them on the morning of their big day.

It was a big success : ) It was a card with two bored cats picking their noses (I know -- it doesn't really sound like the kind of card you would send to your parents on their 50th wedding anniversary, but - what can I say? It worked great!) - check it out here: http://www.carlsencards.com/ecard-01-happy-birthday-bored-cats.htm.

I have changed the message to "Happy Birthday."

So -- wanting to be serious about the whole thing, I needed a domain and I decided on the name carlsencards(.com) and purchased the domain. All the great keyword-stuffed URLs were, of course, taken (always good to have your most important keywords in your URL!). So, I thought I might as well promote my name a little.

If that was a wise decision, I still don't know - the jury's still out on that one. Then again, who would have ever thought that "yahoo" or "google" were great names for Websites?! I rest my case.

But -- here is the first lesson to be learned; choose a less competitive market if you can! Not something like... say; ECARDS! Search for "ecards" and you'll get 34,500,000 results in google! Good luck getting to the top of THAT list! I don't want to state the obvious, but... I do anyway; it's also a good idea to choose a product, a service or a theme you're interested in yourself and LIKE working with.

For the next 6 months, I worked on my site. Every weekend, holiday and vacation, I got up around 6 a.m. so I could get to work on my BIG IMPORTANT PROJECT! I had decided that 20 cards would be enough to launch the site. This ecards site is all about QUALITY, not quantity, you see. I put a lot of work into each card; first the story, then drawing and animating, then composing and recording the music and sound effects, and, finally, putting the card on my site.

A card takes 2-4 days to make, so it took me about 6 months to complete the 20 cards I thought would be enough for starters.

I intended to keep making cards after the big, GRAND opening, so the site would continue to grow and my users ("my users" - Oh, I like saying that: MY USERS! I have USERS!) would have new cards to send every time they visited my site. And - for your information - I still make cards. Every free minute I have is spent working on my ecard Website. But, I like it!

And -- here's another lesson to be learned (but I already knew that); people expect Websites to change, be updated and grow ALL THE TIME. It's like children! You can't just have a baby and then expect it to grow up all by itself.

Or, so I've heard. I don't have children myself. Not the human kind, anyway! Only the furry, four-legged kind with whiskers. But, they need caring and looking-after, too!

Then, the big day arrived; I was finally ready to launch my site. And -- here's where I was REALLY naïve: I thought that all I had to do was send ecards to all my friends, and they would love the cards and find them utterly cute and funny and they would send cards to all THEIR friends, who, again, would love my cards and send cards to... I think you get the picture.

Lesson to be learned: That happens like ... once in a blue moon. Or, once in 10 blue moons. Okay, it happened for Jacquie Lawson. It happens SOMETIMES in real life. But, it certainly didn't happen in MY real life. Only in my dreams!

Hmmmm, what to do, what to do ... I definitely wasn't ready to give up just yet (another useful lesson: don't give up!). So, I searched the Internet and found a site that listed free stuff of all kinds.

Hey! I have free stuff on my site, maybe I can get them to link to my site! Wow, they were way ahead of me on that one; they actually had a button that said "Submit site." Great!

I submitted my site, but - oh - what's that? "Reciprocal link" - what is that? Oh, so I have to link to you, and you'll link to me. Hmmmm, sort of like "I'll show you mine if you'll show me yours." Oh -- but that'll ruin my great site design! There must be other ways.

Lesson number ... I've lost count! Anyway, lesson to be learned; reciprocal linking is hard to avoid. I have later learned that one-way links are better, but to get things started and to get people to visit your wonderful site, it's a good idea to find sites that will link to you and generate some traffic. And so what if you have to put a couple of little buttons and text links on your site? So, I exchanged links with a free stuff site, and - WOW - people OTHER than my 20 or so friends visited my site!

We're not talking several thousands a day. Actually, not even hundreds. But, around 60-80 a day, which is way better than 3-4. Now we're cooking! Yes, but the cooking started to slow down after a week or so.

Okay, now what? I guess I just have to find a couple more sites to exchange links with.

So, again I searched the Internet. Lo and behold, there are lots of sites that list free stuff out there! And, to make a long, boring story a little shorter; I exchanged links with about a dozen free stuff sites and I did get a little traffic.

But, there must be other ways....!

DIRECTORIES! There are (probably) hundreds of thousands of directories where you can get listed -- most do not require a reciprocal link. Or a yearly fee to list your site. Again, I spent hours researching and googling (I know google don't like us to use that word - to "google," but it's such a GOOD word) the words "free directory submit site." And, if there was one thing I learned, it was that I still had a LOT to learn about promoting a Website!

SEO! What the hell is see-oh? Oh ... it's "S-E-O!" Search Engine Optimization - still have no idea what that is.

So, I researched - isn't the Internet a wonderful invention? Oh, my; keywords, href title tags, alt tags, text content, file names, keyword density ... I thought I'd done everything I needed to do in that department by just placing some nice keywords in the meta tags (you know; title, description and keywords)! But, noooooooooo, search engines don't care about that anymore. Now you have to put your keywords into all those other tags AND the content. And you have to choose your keywords VERY carefully (google has some nice tools that can help you research and find the right keywords - link at the end of the article).

Aha! Wish I had known that BEFORE I started building my Website! Another very useful lesson! I won't explain exactly how to do all this, but I'll give you some links to great sites that explain this much better that I ever could. I just want you to know that this is something you have to do.

Okay, so that's it! NOW I'm all set to attract millions of visitors.

Well, what's your pagerank, Martine? My what? My "pagerank"? Where can I get that? Can I buy it on ebay? Oh no, pagerank is something you EARN, so to speak. But how? Get lots and lots of QUALITY inbound links - preferably one-way links (meaning that THEY show you theirs, but YOU don't have to show them yours! Well, actually THEY show everybody YOURS, but you don't have to... You know what I mean). Google likes that! And you do what google likes, because most people find sites by searching google. And they seldom get past page 1 or 2 in the google results.

So -- how DO you get to the top of google's search results?

Good question. Very good question. Very few people know a lot about that and a lot of people (like me) know very little about it. But, people like me (who know just a little) have a good excuse, because IT'S A SECRET! Only the people who work for google - actually only SOME of those people REALLY know what google likes the most and thereby goes to the top of the list.

And you know what? It doesn't pay to try to find out, because they CHANGE IT all the time!

Google uses something called algorithms to determine which sites to put on the top of the list (if you're interested, you can find tons of information on that on the Internet). And they keep changing these algorithms.

Yes, I think that's really sneaky, too. But it does serve a purpose. Otherwise clever - even more sneaky - Webmasters would find out and take advantage of this knowledge and get THEIR websites to the top of the lists even though their sites are not the most relevant. See the point?

So, I guess that's okay. But, it certainly doesn't make MY life easier! I have to guess and try out different keywords and keyword placements and keyword density until I just give up and say "That'll do, little piggy. That'll do!"

That was a quote from "Babe," and if you're not familiar with that movie; RENT IT, BUY IT, SEE IT!

Another thing google likes is a nice, simple sitemap. It makes google's job a lot easier. But, that's no biggie, this site will do it for you: http://www.xml-sitemaps.com - and let's all give a big hand to xml-sitemaps.com for helping us out with that one!

So, to sum it all up: - optimize you site (this is the SEO part) - doing this from the very beginning is a lot easier than after you have created 167 pages! I know from experience. And this includes making a sitemap.

Get lots of inbound (one-way) QUALITY links (that'll give you pagerank and a higher position on google's search results).

Directories are good. But don't get them all at once; getting too many links too fast will seem like spam to google, and you don't want that to happen!

Get some links to your site that can generate some traffic (it's okay to reciprocate some links - I think!). And it'll be good for you self-esteem to see that your site gets visitors that are NOT closely related to you : )

And do what I'm doing right now; write funny/informative/useful articles and submit them to sites all over the Internet.

And -- remember to include your name and URL : ) That's sort of the whole purpose of doing this. Not that I didn't write this article to amuse you. I did. Of course I did!

And, finally - and this just might be the best and most important advice of all; stay the hell AWAY from the "Guaranteed 100,000 Visitors $15! Very Cheap Traffic" sites! 100.000 unique visitors - YEAH, RIGHT!

Don't do it! It's a scam, it's a waste of money and google doesn't like it! You may even get your site banned from google by doing that. I know it's tempting, but so is robbing a bank and getting $2 million in 4 minutes. But it still doesn't pay in the long run.

So, I guess that's it. I hope you had fun reading about my experiences promoting my Website. And I hope you learned a little as well. Good luck with your Website!

Here' s the list of REALLY useful sites with REALLY useful information that I used (and still use) promoting MY website:

Great tools: http://www.iwebtool.com http://www.selfseo.com http://www.seobook.com http://www.webuildpages.com http://www.seocompany.ca http://www.xml-sitemaps.com http://developers.evrsoft.com

Keyword tools: http://www.google.com (search for "google trends") http://www.google.com (search for "KeywordToolExternal")

Lists of directories: http://www.submithelper.com http://info.vilesilencer.com http://searchenginewatch.com http://strongestlinks.com

... so has my Website become a great success with thousands of visitors every day? Well, my site is still very new, so it's too early to say. But, I hope and I believe and most of all. I still work hard on promoting my site and adding new cards every week! Who knows? Beware, Jacquie Lawson, there's a new kid in town!

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By Alvin Phang

Before you decide what to sell on the internet, you have to develop an Internet Marketing Strategy. That is the essential part of your online success on the Internet.

You have to take into consideration the following:

1. Find a large and easy to reach niche market
2. Find a Product or Service the niche market demands
3. Set up your website
4. Have a great sales copy (your 24/7 sales man)
5. Create an opt-in page to collect email address
6. Have a great sales process
7. Make your website scalable and search engine friendly
8. Backend, backend and backend

Each step plays an important role to the success in your Internet Marketing Strategy Planning. If you miss even one-step, you will not be able to see the results you would like to see, as each step is equally important to the other.

1. Find a large and easy to reach niche market.

Your first step in your Internet Marketing Strategy planning requires you to do your research. Locate a large and easy to reach niche market to market your product. Now, go to Free Keywords, tools, and search for niche keywords that have high click through and low competitions.

Example, the keyword “Dog Food for Sale”, when you search for that on Google there is actually 5,650,000, which is not a lot of competition. You also have to check; is there a demand for it, by using tools from www.seobook.com to look at the KEI rate. The higher the KEI rate the better the keyword.

2. Find a Product or Service the niche market demands.

After you have found two or three keywords that you would like to target, you would want to find products that will serve the market that has a demand for it.

Example, like the keyword “Dog Food for Sale”, you would not want to promote Cat Food, as it does not relate to the topic you want to promote. So find related products like an eBook “where to find a great sale for dog food” or “dog products that dogs like to eat”.

3. Set up your website.

After you have decided what product or service you want to sell online, you would want to set up a website to promote your product. The best way to do it is by creating a Blog to talk only about “Dog Food that is for Sale”. Because Google and Yahoo search engine loves Blogs so much that you virtually get listed in just 24 hours upon updating, compared to a normal website, which will take at least a few weeks to be 'cached' into the search engine.

4. Have a great sales copy (your 24/7 salesman).

Do not be mistaken, sales copy is not the sale. A sales copy is a page with descriptions and details to promote your product on your website. When I first heard of this term, sales copy, I was very stunned how important it was to have a sales copy.

Depending on how good your own copy writing skills are, you can get people to write your sales copy, or simply teach yourself to write one. If you try to write it yourself, as copy, writing is a very good skill to learn, especially when you are an Internet Marketer who plans Internet Marketing Strategy.

5. Create an opt-in page to collect email address.

The opt-in page is another important step that many do not have, and it is the most important. Why? It is because they fail to collect email address from their website. With the email address, you can design out your sales process in the next step, which I will explain further.

6. Have a great sales process.

With your opt-in page in place, you can use the captured email address and name to follow up with people who are interested in knowing more about what you are promoting on your opt-in page. One way to build your list of emails is to send them information or promotional products, and to sell those products again in the future.

7. Make your website scalable and search engine friendly.

With all that done, you would now need to read up on Search Engine Optimization. Practicing this will allow search engines like Yahoo and Google to spider your website, easily. The good thing about Blogs is you can ping the search engines to spider your site, and you can be listed very quickly within 24 hours.

8. Backend, backend, and backend.

Upon completion of all seven steps, you just need to keep on sending backend information to your list from your opt-in emails that you receive, and keep on driving traffic to your opt-in page to get more email address to sent out promotions to your customers.

If you constantly follow this eight-step formula for your Internet Marketing Strategy Plan, you will see massive results after 3 months upon your set up. So do the math and start planning your Internet Marketing Strategy today!

Alvin Phang is the owner of http://www.GatherSuccess.com . Get the right Internet Marketing Strategy for your Internet Business with our free resource of Internet Marketing Strategy Planning, Tips, Tutorials, Videos, Reviews, and click the following link for more http://www.gathersuccess.com.

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by John Young

"I’m amazed at this! I put very little effort into this online business, and already I’m making over $14,000 a month!"

We’ve all heard these testimonials in ads for “starting your online business.” We are then offered a "turnkey" Website already designed and filled with widgets to sell on the Web.

The ads lead us to believe that hordes of customers will flock to our site, wallets in hand, ready to avoid the downtown mobs. We’re promised an overnight fortune with little or no effort. We purchase the site and set up the store, only to find that reality falls well short of expectations.

The "SNAFU" Of Online Marketing:

Perhaps one of the greatest disappointments for the novice online marketer is to discover that the effort she has put into designing and publishing a monetizing Website may very well be wasted because no one comes to it.

In the real world (as compared to the virtual one), a business is generally set up by first renting space (hopefully in an area with heavy traffic, such as a shopping mall or on main street), designing and setting up the store, filling it with inventory, displaying the merchandise, and advertising to bring in customers with wallets ready to buy.

While location is important, most effort is directed at bringing the customers to the site, not the other way around.

In the virtual world, however, one has to bring the Website to the customer. Every potential customer sits in front of the same computer – essentially the same physical location for ALL businesses on the Web.

The business that can effectively bring itself to that customer will succeed. All others will fail.

7 Ways To Bring The Store To The Customer

Let’s say you do a search for a Google keyword such as “luggage.” You’re likely to come up with tens of thousands, if not millions, of potential Websites, some selling luggage, others giving product reviews.

Will your site be among the ones Google or Yahoo finds? Not too likely, and if your site doesn’t appear in the top 10 or 20, on page one or two, the potential customer is not likely to go to page 3. Expecting her to find your site on page 150 is pretty much out of the question. She simply isn’t going to go there to find your store.

Consequently, you MUST bring it up in the search ranks … to her, where she is sitting, in front of the computer.

Ranking Your Site

Today, most people find what they're searching for using Google.

Google ranks your site primarily by how many links are located on other sites pointing to it, and the context in which your link is found. For example, if your site is about dogs, and your link is found in the context of dogs, that link will be more valuable than if it is found in some other context or in no context.

Bringing your store to your customers by improving your rankings requires a few techniques, and a lot of hard work. Here are seven suggestions for methods that are not “Catch-22,” i.e. don’t require traffic to get traffic.

1. Writing and marketing articles.

Google and other search engines rank a Website by how many “one-way” links point to it from other sites. Writing an article and publishing it in the many E-zine barns (and having it picked up by online E-zines specialized for your keywords) is an excellent way to get these one-way links

2. Reciprocal linking.

Find other Websites with similar subject matter to your own. Contact the Webmaster and arrange to post a link to your site in exchange for reciprocating -- posting a link to theirs on your site.

3. One-way links.

Do a search on your keyword and “add URL” or “add your site.” You will find sites you can add your link to.

4. Join a forum.

You can get banned by putting a link to your site in your posts, but if you put it in your bio and then post information frequently on the forum, you can go up in Google rankings.

5. Blogging.

Set up your own blogs with links to your sites to gain Google rank. Free software exists to do this.

6. Search Engine Optimization

Make your site “keyword rich” by including a written introduction with searchable keywords in it, optimize the site and submit it to the minor search engines. Software exists to help you with search engine optimization. Google analyzes rankings in minor search engines when assigning site rank.

7. Advertising with Google Adwords.

Adwords can put your site in front of the customer – on the right side of the search page, not on the left. People read from left to right, and will see the results of their search on the left first. Depending on your bid for the keywords, your ad may appear at the bottom of a stack of Adwords advertisements. Adwords can bring in sales, but costs can get out of hand and ultimately be disastrous.

Work Smart ... and Hard

Ninety-five percent of all Internet businesses fail. Articles have been written simply stating that this is due to lack of “hard work” on the part of the owner, who thought she was going to have a “turnkey” business that would immediately reap “astounding profits.”

While this may be true, there’s an old saying: “Work smart, not hard.” In the case of an Internet business, you're going to have do both. You're going to have to work smart by knowing the most effective means of bringing your store to your customers, and work hard …

John Young is a writer and editor living in Santa Barbara. He is inviting submissions to his new E-zine, Explode Your Affiliate Checks at http://www.explodeyouraffiliatechecks.com devoted to all phases of online marketing. He has a second site at: http://www.ebook-marketing-software.com .

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By Diana Goolsby

The mind is such a powerhouse. We do not honor and use that power to its true potential. We over look who we really are...we become such busy bodies of how others are succeeding in the MLM world.

From the minute that we are invited to join a network-marketing venture, we are asking, "Is this working for you?" "How many people are you bringing into the business?" "How much money are you making?" In addition, on and on we go. Attend to your business and quit comparing yourself to others. One of the biggest setbacks to your success is concentrating on and asking yourself, "Why is this networking business not working for me? Why is it taking me so long to get what I want?" "What am I doing wrong?" Doubt! Doubt! Doubt!

It is not because:
• You are not intelligent enough
• You do not know the right people
• You are not worthy enough
• Bad karma
• You got into this MLM too late
• You do not have a good networking team

You have to quit imagining and creating the negative images. Realize the reason you have not already received what you desire. You are holding yourself in a vibration holding pattern that does not match the vibration of your desire. You must start stimulating the creative imagination. "What is that?" you ask. Good question. You do not recognize it within you because you are in that 'feel stuck' mood. You have been acting like a couch potato instead of utilizing the mindset of a marketer and have become weak through INACTION.

Get out of your our way; recognize and release the resistant thoughts such as fear, doubt, envy, resentment, low self esteem, etc. Break the bad habits and thoughts. You begin to recognize the baggage attached, and what it is holding you down. Release your resistance and forge forward to hold the highest levels of imagination, visualization, and creative powers. The greatest achievers have always exercised these powerful secrets to achieve their personal targets/goals in life. They use a four-step thought pattern that leads to the habit of persistence:

• A Definite Purpose Backed By A Burning Desire For Its Fulfillment.
• A Definite Plan, Expressed in Continuous Action.
• A Mind Closed Tightly Against All Negative And Discouraging Influences.
• A Friendly Alliance With One Or More Persons Who Will Encourage You To Follow Through With Both Plan And Purpose.

View yourself through the window of opportunity. Tell yourself and put action behind the words that describes who you would like to be and do. Putting power words that move you forward and allowing the choice of strong words to bring worth back into yourself will shift you into a vibration that is closer to your desires. The most important way to shift that vibration is the enthusiasm you feel in setting your pace, but persistence will carry you through to your target. "I will persist until I succeed."- Og Mandino

Remember, other people do not determine your possibilities. Who told you, you did not have the potential? Who told you, you were small? Who told you that no one succeeds in network marketing? Shake off the disappointment and let those negative vibrations roll off you like water off a ducks back.

Do not fall into the doubts; they rob us of our dreams. From out of our greatest rejections come our greatest directions. When one door closes, always know that another one opens. In addition, (not to be cut off due to discouragement of the network marketing scene), look for the windows. They are also great openings that bring in the light.

Someone said, "few things are certain in life, that people rarely fail...the only failure that does not lead to success is the failure that makes you stop". People tend to have no patience, and view their networking as if it is going to be an overnight success. If you examine those overnight successes closely, you will come to find that it took many years of preparation.

Your MLM business is like building a home; it requires a strong foundation with the patience to see it through its completion. Systematically, lighten the burden you have placed on yourself. The best targets to aim for are those you can handle in the next week, the next day, the next hour, or even in your next step. Reach a target and you will realize the next one is right around the corner ready to begin. You are the only one that has given this nasty illusion its limits. Begin to understand that you are not on a destination; you are on a journey of self that never ends and that is unlimited.

Diana Goolsby is a home school mom with three fantastic kids and husband. She is a certified mentor in the art and science of marketing through a marketing company headquartered in Phoenix, AZ. She is also a worldwide-certified spiritual motivational life coach and resides in beautiful Idaho. To learn more about Diana Goolsby and her mentoring and coaching, she can be contacted at diana@goolsby.myrf.net or 208-837-6578.

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By Vernon Anthony Johnson

Many people today are looking to own and run their own business. To do this they have three main choices.

1. Buy a franchise
2. Start from scratch to develop one’s own business.
3. Buy an existing business.

When speaking of capital to start or buy a conventional business, we are not talking peanuts. All these types of businesses will require a substantial sum of capital, perhaps in the hundreds of thousands of dollars.

They usually require suitable staffing, computer expertise for accounts and wages, and also people skills are required in the workplace. There are always some problems with staff that can cause difficulties.

In a conventional business, you will require a building. If you have bought an existing business, then probably rates and maintenance are your two main expenses. If you need to rent a building, then you may require a refit for your purposes, which may cost tens of thousands of dollars. Depending on the type of business, it may require new machines or electronic devices that are very expensive. You would need computers and office furniture. Considerable costs are involved when starting a business. Some of these will be ongoing, which involves, interest on the loan, staff wages and rent, etc.

Look at what you might lose if the business fails. The equity that was used to finance the loan - most likely the property you own, because you couldn’t pay off the bank overdraft. The fixtures and fittings that you purchased which now would be of no use to you and any equipment you purchased which may have to be sold, invariably at a loss.

Everything was lost to try and pay off your debt. This wasn’t enough, so you have to leave the home you love and look for rented accommodations. Many years later, you might work your way back to where you were before the time of the crash. The statistics for new conventional type business successes are not good.

With a conventional business, if you need advice, you usually have to pay for it. Some advice is available free with a franchise. With a franchise, business mentoring is usually not included. So if it’s new to you, you may have to pay for that help. In MLM home based business with a good company, the marketing help comes as part of the deal.

Why you may ask?

Well, because the MLM I am recommending is structured so that the person who does the recruiting also helps the people they recruit. In making them successful, all will benefit financially. This team building is the essence of success in MLM marketing. People who have done this for a few years reap large rewards without having to take a huge gamble to raise equity.

When looking at a MLM business which costs less than $2000 initially and potentially enables you to earn hundreds of thousands of dollars a few years down the road, why wouldn’t that be more attractive to you than risking your house?

There is a company that excels in all respects and is ideal for MLM people:

1. It is debt free
2. Publicly listed on the NASDAQ
3. Achieved 1.5 billion turnover in the first five years
4. Is a global business operating in ten countries and six more in 2007.
5. Ranked number 5 in the 200 Best Small companies by FORBES.

If we summarize the benefits, then we are talking about a business which:

1. Does not require a large amount of capital
2. Does not require you to hold stock.
3. Does not require staff.
4. Does not require you to rent or buy expensive property because you can work from home using one room as your office.
5. Enables you to make an income relative to your efforts that could be in the six-figure bracket after a few years.
6. Does not confine you to office hours - you can work at a time convenient to you and your family.
7. Will still function once established without loss of income if you decide to take a long holiday.

Why then would anyone wanting to start a business not want to take the least expensive option?

The MLM choice comes without all the financial risk and headaches.

You can have the same earning potential as the conventional business with total support as part of the deal.

For more information, contact Vernon Johnson, 11/134 Hill Road, Runcorn, Brisbane 4113 Australia, biohealth@aapt.net.au . Vernon Anthony Johnson is a former electronic engineer, professional actor. Interested in making movies and making money from home business.
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By Paul Levesque

Some businesses remain that manage to consistently deliver superior customer service year in and year out, while howls of protest over poor customer service continue to fill the air. These are the places where turbo-charged employees pursue customer delight with a passion, places that ignite a flash point of contagious enthusiasm in employees and customers alike. Foremost, to be learned from such flash point businesses are the ‘blunders’ to avoid—fatal mistakes that trip up just about everybody else.

First Blunder: Making Customer Service a Training Issue.

Businesses of all kinds invest huge amounts in training programs that do not—and simply cannot—work. The function of this training is to identify the behaviors workers are engaging in, and then coax, bully, or legislate these behaviors into the workplace. At best, this is almost always a recipe for conduct that feels mechanized and insincere; at worst, it intensifies worker resentment and cynicism.

The better approach is to give workers opportunities to brainstorm their own ideas for delivering delight, instead of dictating what workers should be doing to delight customers. Management’s role then becomes to help employees implement these ideas, and to allow workers to savor the motivational effect of the positive feedback that ensues from delighted customers. This level of employee ownership and involvement is a ‘key’ cultural characteristic of virtually all flashpoint businesses.

Second Blunder: Blaming Poor Service on Employee De-motivation.

Businesses looking for ways to motivate their workers almost always are looking in the wrong places. Employee cynicism is the direct product of an organization’s visible preoccupation with self-interest above all else—a purely internal focus. The focus in flashpoint businesses is directed outward, toward the interests of customers and the community at large. This shift in cultural focus changes the way the business operates at all levels.

The reality is that employees are de-motivated because they can’t deliver delight in most business settings. The existing policies and procedures make it impossible. Instead of “fixing” their employees, flashpoint business set out to build a culture that unblocks them. Workers are encouraged to identify operational obstacles to customer delight, and participate in finding ways around them.

Third Blunder: Using Customer Feedback to Uncover What’s Wrong.

Surveys and other feedback mechanisms are used by businesses to get to the causes of customer problems and complaints. Employees come to dread these measurements and data-gathering efforts, which often lead to what feels like witch-hunts for employee scapegoats, formal exercises in finger pointing and the assigning of blame. Flashpoint businesses use customer feedback very differently. In these organizations, the object is to uncover everything that’s going right. Managers are forever on the lookout for "hero stories" - examples of employees going the extra mile to deliver delight. Such feedback becomes the basis for ongoing recognition and celebration. Employees see themselves as winners on a winning team. In this type of workplace, there is always some new "win" being celebrated.

Fourth Blunder: Reserving Top Recognition for Splashy Recoveries.

It happens all the time; something goes terribly wrong with a customer order or transaction. The dedicated employee goes to tremendous lengths to make things right. The delighted customer brings this employee’s wonderful recovery to management’s attention. The employee receives special recognition for his or her efforts. This is a blunder?

It is when such recoveries are the primary—if not the only—catalysts for employee recognition. In such a culture, foul-ups become ‘almost a good thing’ from the workers’ point of view. By creating opportunities for splashy recoveries, foul-ups represent the only chance employees have to feel appreciated on the job. Attempts to correct operational problems won’t win much support if employees see these problems as their only opportunity to shine.

Flashpoint businesses celebrate splashy recoveries, of course—but they’re also careful to uncover and celebrate employee efforts to delight customers where no mistakes or problems were involved. This makes it easier to get workers participating in efforts to permanently eliminate the sources of problems at the systems level.

Fifth Blunder: Competing on Price.

It is one of the most common (and most costly) mistakes in business. Price becomes the deciding factor in purchasing decisions only when everything else is equal—and everything else is almost never equal! Businesses compete on the perception of value, which includes more than price. The total customer experience—and aspects such as “helpfulness,” “friendliness,” shapes it and “the personal touch” often gives the competitive advantage to businesses that actually charge slightly more for their basic goods and services.

Businesses that deliver a superior total experience from the inside out (that is, as a product of a strongly customer-focused culture) are those that enjoy a long-term competitive advantage—along with virtual immunity from the kinds of headaches that plague everybody else.

Customer-focus consultant Paul Levesque’s latest book is Customer Service From The Inside Out Made Easy (Entrepreneur Press, 2006).

Copyright Paul Levesque. All Rights Reserved.

Paul Levesque is available for speaking engagements through http://www.keynoteresource.com 1-800-420-4155. Paul Levesque has more than 20 years' experience as an international customer-service consultant. He has helped hundreds of corporate and small business clients become more customer-focused.
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By Jeff Mowatt

See if this applies to you or the team members in your organization: You've been working in your industry for several years. Your responses to requests from customers, prospects and co-workers are fast and accurate. You know your stuff and your product knowledge is one of your greatest strengths. If this is the case, then the bad news is that your extensive knowledge may also be one of your greatest weaknesses. The reason…you may inadvertently be coming across as being arrogant and insensitive.

This is not suggesting that you have a ‘holier-than-thou’ attitude or that you are unfriendly. Because you are quick with your answers and recommendations, others feel you have not really been listening to their needs (even though you have). The greater your expertise, the more likely it is that you are unintentionally rubbing people the wrong way. The good news is that there is an easy way to prevent this misconception that I call The Humility Advantage©.

Working with over a hundred sales and service teams over the years, I've found there are at least seven key opportunities where a little employee humility pays-off substantially. Here are three that I often share in my Influence with Ease® speeches and seminars.

1. Mention your Homework

Several years ago, a couple of branding consultants approached me about enlisting their services. My first thought was these folks knew nothing about my company or my industry, so why should I pay their sizable fees. I only agreed to meet with them because a colleague said they had done good work for his firm.

When I sat down with the consultants, they did not start asking me lots of questions about my industry and me. (This would have confirmed to me they really didn't know my business world and it would have ended their chances of selling me their services). By way of preparation, they began the meeting explaining, they'd been chatting with some of my colleagues and customers to find out their impressions of my company's services. Then, they asked if I would like to hear the ‘word-on-the-street’. That got my attention! The ensuing conversation led me to engage their services.

When talking with potential customers, do you begin the conversation by mentioning the homework you've done on their company? If not, you are missing the opportunity to let them know you are truly interested in them.

Try commenting on something you saw on their website or read about them in an industry journal, rather than starting a sales conversation by asking about their needs. It's a powerful way to confirm to others that you are knowledgeable without coming across as one who brags. It is one of the first steps in applying the ‘humility advantage’.

2. Confirm your Understanding

As an audience member participant at one of my live presentations, you may have seen me step off the stage pretending to be a restaurant waiter taking food orders from several audience members. During this skit, rather than order directly from a menu, each patron has a special request such as, “I'll have the salad with the meal.” or “I'd like to have fruit instead of fries,” etc. As the waiter, I don't write anything down, and when I walk away, the patrons assume that there is no way I'm going to get all the orders straight.

There's the problem! I may have listened accurately to each request, but the emotions I left with my customers are worry and lack of confidence in my service.

As an experienced professional in your industry, you may be a great listener, but are you perceived as such? Being regarded as a poor listener is a surefire way to kill a sale or curtail your career. Fortunately, by using a little humility, this is easy to correct. In the waiter demonstration, I redo the same order-taking scenario, except the second time after taking the orders, I say, “Let me make sure I've got this straight. You would like yours with fruit instead of fries...” (I then confirm everyone's special request accurately).

Suddenly, the restaurant patrons feel good about the quality of my service. Here's the KEY; I repeat my understanding of their needs with the phrase, “Let me make sure I've got this straight.” Fact is, I knew I had it straight, but the customer didn't. The catch is, if my ego were running my life I'd never say, “Let me make sure I've got this straight.” Hence the Humility Advantage.

Here's one more application:

3. Ask Permission to Present

Have you heard the expression that ‘people don't like to be sold-to, but they love to buy’? Before you present the benefits of your products or services, remember to ask for permission. When threading these techniques together, sales conversation might start by pointing out the homework you've done on the other person. Then ask about their needs, confirming your understanding with, “Let me make sure I've got this straight…” Later, ask permission to present with, “Based on what you've told me, I do have some thoughts. Would you like to hear a couple of options that I think would fit for you?” Once the other person agrees, they will feel less like they are being forced, and more like they are being helped.

Business strategist and international speaker Jeff Mowatt base this article on the critically acclaimed book, Becoming a Service Icon in 90 Minutes a Month. To obtain your own copy of his book or to inquire about engaging Jeff for your team, visit http://www.jeffmowatt.com or call 1-800-JMowatt (566-9288).
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By: Gary Foreman

Gwen writes: “What’s going on? This month on two separate credit card statements, there are notices informing us that as of October 1, we may be charged ‘more than two’ late fees or ‘over the limit’ fees per month.”

It is estimated that Americans have charged $1.8 trillion in 2005 on the 690 million credit cards outstanding. According to a Government Accountability Office study released in September 2006, 13% of credit card users were assessed over-limit fees and 35% were assessed late fees in 2005. So Gwen has a lot of company.

Let's try to do three things. First, understand what these fees are. Second, see how fees are changing. Third, what can Gwen do to keep from being hurt?

Credit cards have always had fees, such as, late payments. This is understandable. Other fees came along as credit cards took on new capabilities; cash advances and balance transfer fees. Still others should not seem possible; like over-limit fees. You would think they would not allow you to borrow more than your limit.

There are also 'penalty interest rates'. If you're late with a payment or go over your credit limit you could see your rate bumped to 30% or more.

The 2006 GAO study looked at fees and penalties. It said that not only were fees increasing, but also the credit card companies were doing a lousy job of informing consumers about those fees.

The credit card companies are obligated to tell you about any fees or penalties and how they're triggered. Some fees, like paying your credit card bill by phone, are sometimes not clearly disclosed. What Gwen received with her statement was a notice of a change in how fees would be charged. As long as she is notified, they can get by with almost anything.

Late fees have nearly tripled in the last 11 years. And many cards have adopted a 'universal default clause' that says a late payment on any card will trigger the penalty interest rate.

Credit card companies say that the higher interest rates and fees are appropriate based on risk factors. If it weren't for the higher fees, they claim that they wouldn't be able to offer credit to riskier consumers.

In fairness, the GAO's survey found that (at least among 6 of the largest card issuers) 80% of accounts paid interest rates of less than 20%. So the vast majority of card users are not paying penalty rates.

The study also found that the disclosures were written well above the eighth grade reading level and (surprise!) featured small print. They recommended that the Federal Reserve Board revise rules on credit card disclosures.

Now that we understand what's going on, we can try to help Gwen avoid problems:
1. Recognize the card issuers get to make most of the rules. Whether those rules are fair or not isn't relevant. The best she can do is to avoid getting hurt by those rules.
2. Get familiar with each account. The only way to know exactly what's allowed is to read and understand the "Card Member Agreement." Tough duty, but necessary!
3. Watch out for unexpected fees; like balance transfers or increasing your credit limit. Know what could trigger fees or penalty rates.
4. Know exactly when your payment is due. Keep a list of due dates for your credit card accounts. If you don't get the bill, it is your responsibility to contact the company and still make a timely payment.
5. If possible, the best thing is to join nearly half of the cardholders who paid little or no interest. That's because they do not carry a balance.
6. Obviously, for many people that's not immediately possible. It is important to send in your payment as soon as possible. Being seven days early is better than being one day late.
7. If you find it difficult to get your payment in on time, you might want to authorize the credit card company to automatically debit your checking account for the minimum payment each month. You'll probably pay for the service, but that way the payment can't be late.
8. Talk to your card issuer. If you’re due date falls at a bad time of the month, they'll move it.
9. If Gwen is near or over the limit on any card, she should try to shift part of the debt to a different card. Some fees are even being assessed when an account is merely getting too close to the limit. Your best bet is to keep balances to less than half the available credit.

Although the higher late fees are infuriating, they do minimal damage. The real problem is in the universal default clause. Most credit card accounts now have a universal default clause.

Suppose your rate went from 15% to 30% on every open credit account. For every $1,000 you owe, an extra $150 interest would be charged each year. So if you're the type of person carrying a $10,000 balance, that one late payment could cost you $1,500 per year. For as long as you have the balance!

Gwen needs to pay close attention to her credit card accounts. With newer fees and penalty rates in place, it becomes more important to manage your credit. In fact, it's critical to your financial ‘well-being’.

Gary Foreman is a former financial planner who currently edits The Dollar Stretcher website. If you'd like to stretch your day or your dollar visit today! You'll find hundreds of articles to help you "live better...for less". View their website at: http://www.stretcher.com
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By Allison Thompson

People will find themselves in difficult financial situations, at times. It may be because their business has not worked out and is on the verge of becoming bankrupt or it could be for personal reasons (a divorce settlement is not what it should have been). At any time, the need for financial support is important. When faced with situations such as shown previously, a loan to help them recover is hard to find. There are many reasons why getting a loan could be difficult, it may be they have a poor credit rating or they have no equity to act as security on a loan that lenders will normally provide. However, now there are moneylenders around called ‘bad credit’ lenders who can assist these people when their state of financial affairs is so dire.

You will find that ‘bad credit’ lenders are institutions or organizations that are able to provide loans to people who are in desperate need of financial assistance. One type of option that these kinds of lenders provide is a private loan (also known as a hard money or ‘bad credit’ loan). This type of loan does not require the borrower to have any equity, and as a result, are able to provide such loans but at an increased rate of interest.

Different types of ‘bad credit’ lenders exist, and banks are one source. Should you need to arrange a ‘bad credit’ loan, you could first consult a bank. Many banks require some sort of equity against the loan that you are looking for. It is advisable that you seek assistance from a bank where you have been a customer from some time. This provides the bank with a guarantee of knowing who you are and they will have full details of your banking records.

If this does not work out, there are a number of companies around which also act as ‘bad credit’ lenders. Such companies will provide you with a loan proposal, but be aware that they will often charge much higher rates of interest than usual.

Many financial experts say that when looking for the right sort of ‘bad credit’ lender, it is wise to do as much research as possible. Obtain all the information you can on each lender. Make sure you are aware of what sort of loan programs these lenders have and what the interest rates are that they offer on their loans. After getting this information, it is wise to compare each one. See which ones suit you and the one you will not have difficulty in making repayments to.

Allison Thompson, an expert author, after becoming a work from home mum, runs a small real estate company in Spain. Due to her involvement in the property market she has carried out extensive research relating to all financial matters. If you would like to learn more, please visit http://www.centrallendingservices.com.
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By Wally Bock

For centuries people have debated whether leaders are born or made. Several decades ago researchers started trying to answer this question. The debate goes on, even though we know the answer.

It turns out to be a little of both. Leaders are ‘sort of’ born and they are always made. Knowing the details will help you develop effective leaders for your company.

Leaders are ‘Sort of’ Born

There's only one thing a person needs to actually be born with in order to be a leader later in life; that is intelligence. A leader needs to be smart.

Effective leaders are not necessarily the smartest people in the room, or the company, or even on the team. They have to be smart enough to do the job they are assigned.

The kind of person the potential leader is when he or she becomes an adult is very important. The person who emerges from adolescence into young adulthood has the psychological and character traits they'll demonstrate for the rest of their life. Some of those characteristics matter for leadership.

By the time a person reaches adulthood, we can tell if they know how to help other people achieve results. That, after all, is what we expect leaders to do. We expect them to achieve success through a group. We expect them to help their subordinates grow and develop.

When a person becomes an adult, we can tell if they want to achieve objectives or if they just want to go along and take it easy. We expect leaders to be responsible for achieving results. You can have a marvelous life without a results focus; however, if you're going to lead successfully, you have to have the drive and willingness to be measured by the results of your leadership.

Upon reaching adulthood, we can tell if they are willing to make decisions or not. Lots of people wake up every day and let the world happen to them. Leaders must be able and willing to make decisions that affect themselves and others.

When achieving adulthood, we can tell if they have the basic qualities that we expect leaders to have. We can determine if they're smart enough to do the job. We can tell if they are willing to help others to achieve results as a group. We can tell if they will make decisions.

Those things are essential. People who have those qualities can learn the multiple skills it takes for them to become effective leaders.
No one emerges from the womb or from adolescence with all the skills in place to be an effective leader, no matter how they measure up on the key essentials. Everybody has to learn the job. That's why leaders are always made.

Leaders are Always Made

Leadership can be learned by anyone with the basics. There is a lot to leadership that cannot be taught.

Leadership is an apprentice trade. Leaders learn about 80 percent of their craft on the job.

They learn from watching other leaders and emulating their behavior. They choose role models and seek out mentors. They ask other leaders how to handle situations.

Leaders improve by obtaining feedback and using it. The best leaders seek feedback from their boss, their peers, and their subordinates. They modify their behavior so they are able to obtain better results.

Leaders learn by trying things out and then critiquing their performance. The only failure they recognize is the ‘failure to learn from experience’.

In their book, Geeks and Geezers, Warren Bennis and Robert Thomas identify the special power of what they call "crucibles." These are trials that teach hard lessons which leaders use as the basis of their strength in later crises. Many of these events can be called "failures," but leaders turn the bad situation to good by learning from it.

Effective leaders take control of their own development. They seek out training opportunities that will make a difference in their performance.

Effective leaders look for training programs that will help them develop specific skills they can use on the job. Then, when they return to work, they devote specific, deliberate effort to mastering in real life what they have learned in the classroom.

Marshall Goldsmith and Howard Morgan studied the progress of 88,000 managers who had been to leadership development training. The people who returned from the training, talked about it, and did the deliberate learning applications, were judged as becoming more effective leaders. The ones, who didn't, showed no improvement.

If you're responsible for leadership development for your company, you should structure your support for your leaders to recognize that most leadership learning happens ‘on the job’. Help people develop leadership development plans. Help them select specific skills training. Then work on transferring skills from the training to the job. Help them find role models, mentors and peers to discuss leadership issues.

Help your leaders get feedback from their boss, peers and subordinates. Work to create the culture of candor that will make that feedback helpful and effective.

Don't stop there. Make sure you evaluate your leaders on their leadership work. Reward them. Hold them accountable for accomplishing the mission through the group. Hold them accountable for caring for their people and helping them grow and develop.

A Leader's Growth is Never Done

Leadership learning is a lifetime activity. You are never done. There's always more to learn. There are always skills you need to improve.

Effective leaders seek out development opportunities to help them learn new skills. These might be project assignments or job changes. This develops knowledge and skills that can be used elsewhere.

Effective leaders seek out opportunities that will increase their visibility. Great performances alone will not propel you to the top in your career. You also have to be visible to people who make decisions about promotions and assignments.

If you are responsible for developing leaders in your company, set up programs to give your leaders both kinds of development opportunities over the course of their careers.

There is no magic formula for developing quality leaders in your company. By selecting potential leaders with the essential traits, supporting them with training, feedback, on-the-job learning, developmental experiences, and holding them accountable for results, you will have the leaders you need to shape your company's future.

Wally Bock is an author, speaker, and coach who help leaders improve the performance and morale of their teams. Wally is the author of Performance Talk: The One-on-One Part of Leadership (http://www.performancetalk.com/) and the Three Star Leadership Blog (http://blog.threestarleadership.com/).
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By Joe Leech

Let's face it: you’re probably working for far less than you need to. The sad thing is you may not even be aware of it or the options that are available! We're going to change that for you, and share, not only a thought, but also a vehicle that can change your financial life.

We’re going to show you how to get so much more out of your sales time investment.

This may apply more to the part time, home based business person than the professional...but we have seen, met, and talked with professionals who really are under- valuing their return on time investment. The phrase “time investment” is used repeatedly, but you MUST consider it just as important as you value cash or a money investment.

It is even more important because once spent or invested, you can never get that particular moment or minute back. It's gone! You can always invest more money, but you only have so much irreplaceable time. Your sales time investment is one of the most precious investments you can ever make.

As we look at business models, we find on one end, the model that proposes high volume but low profit per sale.

Wal-Mart has certainly shown this model works. Many, many supermarkets work this same way. If you have the ability to create large volumes of sales, it will work; the question is, do you? If you are an individual sales rep, or a small business, just how much of an opportunity do you have in creating large volumes? The appeal to the small businessperson is to do this by creating some type of a multi-level sales organization, (probably incorrectly referred to as a pyramid); and in the ideal world, ‘IF’ you can do this, you can create volume. This could take years to accomplish, and still never guarantee any income or security because: (1) The company behind it could go out of business, be taken over, or any number of things. (2) The pay plan could change. (3) The group suddenly dissolves, particularly if or when a heavy hitter or group leader decides to switch to another business taking his distributors or sales force with him. Do you make a good sales time investment if you choose this model?

Of course, you still have the ability to sell the product or service yourself, but (1) can you do the volume, and (2) is the profit per personal sale worth your time?

The second business model, at the other end of the spectrum, is one that provides a relatively high profit or earning per sale. Often, in this category, we think of real estate people and car sales people, as well as, sales people of specialized capital equipment, but that's not the majority of us.

The downside is, if we are thinking about selling a high ticket/high profit item, we have to ask (1) is there a large market and prospect base, and (2) if we are thinking in terms of the ability for a part time person--possibly a "stay at home mom", can this high ticket, high profit product or service be first mastered in terms of the technology, and is the customer prospect base readily accessible?

In most cases, the answer to those questions is "no, not available". But if it is, or was, then here's a fact that can be virtually carved in stone:

IT TAKES NO MORE TIME OR SKILLS TO SELL THE HIGH PROFIT PACKAGE THAN IT DOES TO SELL THE MASS PRODUCT WITH ONLY PENNIES OR DIMES IN PROFIT!

Think about that! This is ALL relative to your sales time investment. It's the MOST IMPORTANT investment you have to make. Ask yourself: "Am I working for pennies or dimes, when instead with the right vehicle I could be working for dollars?"

If the answer is yes, and this is so true of particularly home based business entrepreneurs who are involved in the sale of nutritional supplements, skin care, fad gadgets, etc., then ask yourself, "Am I doing this because I want to earn a nice income, and do it as quickly as possible... or am I kidding myself about that goal and do I just want to get products wholesale or discounted and have some fun?"

There is nothing wrong with that, if you have an honest assessment of what you are doing and why. But...if your goal is $4000 to $5000 a month or more, and you do not want to spend all your waking hours "working your business", then it is time to change!

This article is written from the school of hard knocks. It is one that really had us very emotionally involved with the businesses; rah, rah, rah, recognition pins, etc.…Amway…Free Life…Primerica…Herbal Life. Been there, done that! Made some money? Yes, but far, far less than in other options. This represents the part time side of things we did to supplement our “real” job. We made some money, but had no security, and worked for far less than we could have been doing. Plus, we just sold our time for money, no residual income…that is a subject for another article.

We hope this has helped you focus your thinking and our resource block will point you to one tool that will let you change your life.

Joe Leech has been involved in both conventional and home-based businesses for over 40 years. He offers sound advice from his experience and at his website at http://www.wideworldinfo.com/abundant/opty.html he offers a way to do what he writes about.
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By James MacArthur

Seller financing opens your home up to an entirely new segment of prospective buyers. The more buyers viewing your home, the quicker you will find that one qualified buyer. Specifically, you will attract more buyers who don't want to or would have a problem getting a bank loan, or those who want a quicker closing or more flexible payment plans than banks offer. Such buyers include the self-employed, who may be great candidates, but are not viewed as favorable by banks, as are W-2 employees. Also, those with credit blemishes, which may be going down the long road of credit repair. Real estate investors are another large group, since they may own many properties with mortgages, which make it difficult to get another mortgage from a bank.

Banks typically take 30 days to close a loan. With seller financing, YOU make the decision, and it can be done much quicker, thereby removing a buyers contingencies faster, and in effect, leading to a much faster home sale. Make sure you use "Seller Financing" in your marketing and advertising, be it in newspaper ads, flyers, or in the MLS description, regardless of whether you are selling FSBO (For Sale By Owner), or with a real estate agent.

Other Ideas to Sell Your Home Faster

Number 1: PRICE IT RIGHT! Not too high, not too low, check comparables and local agents to get the right number. If you are not getting any action after a week or two, you probably have it priced too high.

If you will be selling FSBO, use a flat rate MLS open listing. For under $500 you can get listed in MLS with no frills. Check the newspaper or call agents to find one who offers this. It will give you much broader exposure and is advertising well spent. Also, strongly consider offering a buyer agent commission of 2-4%, depending on how quick you want to sell and how hot your local market is.

Put up lots of signs around the neighborhood, especially on weekends. Hold regular open houses. Prepare your house for sale. Keep it neat & tidy. Remove the clutter.

Sell Your Home for Full Price

1. Normally a seller will accept a lower price (below market) for all cash, no contingency fast closing.

2. It will sell for market price if the buyer needs 30-60 days to close escrow, will need to qualify for a loan at a bank, and do a home inspection.

3. You as a seller should charge even more (above market) if you will be giving seller-financing terms, maybe 5-10% higher than Case 2, or more depending on the terms.

A Good Investment

Taking back a note can be a very good investment since you will be making interest on your money, which is usually better than CD's, or money market rates. In fact, you can select the interest rate you want! This is especially appealing if you have no need for the money right now.

In fact, it is such a good investment, that many investors buy seller carry-back notes. If you have no interest in holding a note, it is common for a home seller to carry-back a note and sell it at the same time as the home closing occurs. This is called a simultaneous closing.

We Buy Real Estate Notes and can facilitate simultaneous closings, call for more info on this. We can also assist in setting the terms of the note so you get the best price.

Tax Benefits

When selling a home, under current tax law, if you lived in your home for 2 of the last 5 years, your capital gains will be exempt up to $250,000 (twice that if married). Otherwise, your capital gains will be taxed in the year that you collect the capital gains. If you will have significant taxable capital gains on your home sale, it may be very good for your tax situation to take back a seller carry-back note and spread your sale proceeds over several years, or postpone it for several years. Talk to your tax adviser.

Steps for Successful Seller Financing

1. Pull the prospective buyers’ credit report. Their permission will be needed. Always review a credit report on each borrower. It is a small expense.

2. Can they afford the home, job, income? If they can’t afford it, or have a shaky job or income situation, a foreclosure will be much more likely.

3. Use a professional to draft the paperwork. Each state has various laws regarding real estate sales, contracts, and mortgages. Use an experienced attorney to draft the promissory note, mortgage, or deed of trust.

4. Down payment - Sellers usually ask for 10-30% down payment to protect themselves in case the buyer stops making payments and the seller has to foreclose on the loan, and take the property back. The larger the down payment, the more equity protection you, as the seller, have. The buyer will also consider how much money he has put down, if he is in foreclosure and can’t make the payments, and wants to walk away from the house. Zero down is very little encouragement for a buyer, should he hit a rough patch.

5. 1st position or 2nd position - A first position note is much safer for the seller than a second position note.

6. Set the interest rate above current bank rates. This will encourage the buyers to refinance down the road.

Also Read this Article: "Tips for Creating a Seller Carry-back Real Estate Note" at http://www.jmacfunding.com/articles.htm

Other Alternatives to Seller Financing

1. Land Contract / Contract to buy

2. Lease Option

Disclaimer:

I am not an attorney, nor a tax accountant, laws vary from state to state, and any advice implied by this paper should be checked with an attorney and/or tax adviser.

JMAC Funding
PO Box 91472, San Diego, CA 92169
jmac@jmacfunding.com
http://www.jmacfunding.com
(619) 846-1550

James MacArthur, http://www.jmacfunding.com, is a real estate broker-licensed in the State of California, as well as an investor of real estate and debt instruments. We buy real estate notes and real estate contracts nationwide and make private and hard money loans on real estate in California. Feel free to contact me with any feedback, or if you are contemplating selling a real estate note.
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By Wiley Long

The year 2007 is here. There are several issues to consider if you currently have a Health Savings Account (HSA), or are planning on getting one in the near future.

The deposit you place in your HSA is 100% deductible on your federal income taxes. HSA contributions are tax-deductible on state income taxes, except in four states. If you’re looking to reduce your 2006 tax burden and put more money away for retirement, your HSA is the first place to consider putting your money if you have not yet maximized your contribution.

The maximum that can be contributed to your HSA in 2006 is the lesser amount of your deductible, or $2,700 for single persons, and $5,450 for families. Individuals, who are age 55 or older, may contribute an additional $700. Be aware, the contribution limits are pro-rated, based on the number of complete months during the year in which you have a qualifying HSA health insurance plan.

The deadline is April 15, (or later if you file for an extension), to make your 2006 contribution. If you do not fully fund your account for the current year, you can’t make a “catch-up” contribution for 2006 after this deadline. However, you can reimburse yourself in later years for qualified expenses incurred in 2006, even if you don’t have the funds in your account to reimburse yourself at this time.

In 2007, the maximum annual HSA contribution will go up to $2,850 for individuals and $5,650 for families. Individuals 55 or older will be allowed to contribute an additional $800.

It is also important to have your HSA-qualified health coverage in place no later than January 1, to maximize your tax benefit for 2007

To pay for a medical expense from your HSA, it must be a qualified expense. Some of these qualified expenses include: dental expenses, eyeglasses, chiropractic visits, over-the-counter medications, and sometimes even nutritional supplements.

Make sure you have an accurate record of your medical expenses for the year. Separate the expenses for which you have reimbursed yourself from your HSA from those that you have paid for out-of-pocket. Keep receipts for all medical expenditures paid from your HSA with your 2006 tax records. Place the "non-reimbursed medical expenses" in a separate file, and keep these receipts with the concurrent year's tax records with the year you decide to reimburse yourself.

There is a 6% penalty for over-funding your HAS. You have until April 15, 2007 to withdraw excess funds for the 2006 tax year to avoid this penalty. Your HSA administrator may notify you of any over-funding, however, they are under no obligation to do so. It is your responsibility! Make sure you check into this if you think your may have over-funded you account.

The minimum deductibles for HSA-compatible health insurance plans in 2006 were $1,050 for individuals, and $2,100 for families. This amount will increase to $1,100 for individuals, and $2,200 for families in 2007. If you currently have an HSA-qualified plan with the lowest eligible 2006 deductible, this deductible will automatically go up on January 1 to the new minimum.

Strategies to Maximize Your Tax Benefits

There are basically three different strategies you can take to decide how to fund your health savings account:

1. Put no money in the account, except when you incur a medical expense. This strategy allows you to legally "launder" any money used to pay medical expenses. By depositing money into your HSA, then immediately withdrawing it to reimburse yourself for medical expenses, you’re making all your medical expenses tax-deductible. Use this strategy if you are on a tight budget and need to keep your cash outlay as low as possible.

2. Fully fund the account, or put in as much as possible, based on your budget. When medical expenses are incurred, take money out of the account to cover your costs. Then let the rest grow tax-deferred. This strategy will maximize your tax deduction, while making your HSA funds available to pay any non-covered medical expenses before your deductible is met.

3. Fully fund the account, but pay all medical expenses from a non-HSA account. Reimburse yourself for medical expenses at a later date. This strategy will allow you to maximize your tax deduction, and also allow you to maximize the tax-deferred growth of your HSA. You can reimburse yourself, tax-free, at any time in the future for medical expenses incurred over the ensuing years.

To maximize the potential growth of your funds, you may want to make your 2007 deposits as early in the year as possible. Any growth in your account is tax-deferred, like an IRA. If possible, plan to make your deposits the first week in January.


Wiley Long - President, HSA for America (http://www.health--savings--accounts.com) - The nation's leading independent health insurance firm specializing in Health Savings Plans that works with Health Savings Accounts.
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By Biba Pedron

Networking is my favorite, low-cost marketing tool. However, a large number of people often find it a challenge to get results and turn prospects into clients, by networking.

Here is another very effective marketing tool requiring no skills. It can be applied to your business immediately, and will help you to gain new clients.

Simply get testimonials from your current clients!

Testimonials from satisfied customers are the best way to promote your business. It doesn’t cost you a thing. Stop selling; let your clients and raving fans do it for you.

Contact your best clients, who know and appreciate you and the value your products and services. They will be happy to help you; providing you with testimonials that praise your products and services.

Be sure to obtain their permission before using their information in your brochure and on your website.

Use their testimonials on your website. This way your clients will make the sales for you. When people see the results and the benefits your clients reaped from using your products and services, they will want the same results for themselves or their businesses.

Don’t use a testimonial like “Mary it was great working with you” John S., NY. This is useless.

Use effective testimonials where your clients mention the benefits of working with you. What was their experience and results in their businesses after they bought your product/service or program? Make sure that you mention their name, website, and eventually their email and phone number. Give your prospects the opportunity to see that there are real people like them, who can be contacted or websites to check out to verify who they are and what they do. The new clientel will probably never contact them to ask about the experience they had with you, but they will feel more comfortable if they can identify themselves with your current clients.

When it comes to testimonials, I always mention one of my businesses, my French consulting business, www.focusoncareer.com, I don’t have to promote it. Because I am working within a specific niche - French solo-entrepreneurs who want to start their own businesses in the US -, and my website has a very rich content providing a great deal of free information, including some very powerful testimonials from clients. I have at least 3 to 4 people weekly, who contact me for consultation. I don’t have to chase them; they just come to me. When I ask them why they decided to contact me, they always mention the testimonials. They say, “You did so much for so many people that I imagine you can do the same for me”. Because my clients did the sell for me, after the first consultation, 50% decide to work with me immediately. Others may need to talk further or find out a little more about my services and me.

Have a complete page with all of your testimonials on your brochure or website.

If you promote a special product or program, insert your testimonials, along with the description and benefits of your program.

As an example see my program at http://www.powerofnetworkingsecrets.com

I work with lots of people who are just starting their businesses, so their question is always, “But I don’t have clients yet. How can I get testimonials?” Well, offer to trade your services with a couple of people who really need your services but who perhaps cannot afford them, in exchange for a testimonial. That is a good way to start.

Don’t hesitate to contact your best clients now. Ask them for a testimonial. Make a list of clients you could contact today; those raving fans that enjoyed working with you and for whom your products made a significant impact on their businesses. You will see they will be more than happy to help you in return for what you did for them.

When asking for testimonials, don’t forget to ask for referrals: friends, colleagues, or family who would benefit from your products or programs also.

Another way to use your testimonials is to prepare a direct mail campaign, and send it to the list of referrals your clients just gave you.

Don’t you think that when the targets see their friends’ names in your brochure or mailing campaign, they will trust you and be keen to work with you also? You will get a better response to your campaign than advertising in a magazine, where nobody knows you and most readers won’t even notice your ad.

Need more techniques and strategies to boost your business and turn more prospects into clients? Then learn more about “The Power of Networking”. In this 5 step program, you will find everything you need on how to maximize your networking results.

You will learn: how to create an outstanding business card – how to polish an elevator pitch, which will hook your audience so that people will remember you – how to create a 7 step follow-up system to turn more prospects into clients – how to use testimonials - how to use your newsletter to promote your products or services without hard selling – how to create strategic alliances to grow our business faster. For complete details of the program “The Power of Networking” visit http://www.powerofnetworkingsecrets.com

(c) 2006 Biba F. Pédron

Biba F. Pédron, also known as The Connection Queen, is a marketing consultant, founder of Biba4Network, that specializes in networking for small business owners in the greater New York area. Biba helps entrepreneurs to maximize their networking results so that they can grow their businesses faster.

Biba is the author of “Start Your Dream Business Today! The Proven 11 Steps to Start and Grow Your Own Business”. http://www.startyourdreambusinesstoday.com.

For more information or to receive free tips like this one, please visit http://www.theconnectionqueen.com
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By Todd Brabender

When starting a successful business venture or launching a new product, most entrepreneurs or business owners conduct some type of marketing research to determine the extent of their prospective customer base. When getting the word out to that customer base, many entrepreneurs may turn to the media to help generate a buzz for them. However, as detailed as their marketing research might have been, very few business owners are as meticulous at determining their proper "media market" – that is, all those media outlets whose editorial profiles are a match to a product/business profile and would be appropriate for generating media exposure and publicity.

One of my favorite things to do is educate my clients about their "media market." Consider this, in North America there are more than 75,000 media outlets and almost one million reporters, editors & producers in the entire media market. However, only a small percentage of those may be appropriate and applicable to your business/product. Which ones are they? Unfortunately, too many well-intentioned entrepreneurs are either uninformed or misinformed regarding what it takes to attract media attention for their business. I recently surveyed 100 business owners and entrepreneurs who contacted my business about a publicity/media exposure campaign. Here's what I found:

11% - "Are Admittedly Media Market Clueless"
19% - "Have Unrealistic Media Market Perceptions"
29% - "Think Local & Large Media Are The ONLY Media"
41% - "Have A Good Grasp On Their Potential Media Market And Its Benefits"

Here are the descriptions of these categories and the lessons I try to teach those who fall into each category:
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11% - "Are Admittedly Media Market Clueless" These are the business owners who know their product and market inside and out, BUT they have never thought about launching a publicity/media exposure campaign before now. They know very little about their potential media market or how to generate publicity therein.

The Lesson: For these types of business owners I recommend asking for help from a smaller PR agency or publicity specialist who is willing to "hand hold" to get the client educated. Research to find one who doesn't mind spending the time to educate you about what should be included in your specific media market and the pitch. Make sure the agency or publicist understands the product/business as well as you do and can in turn educate you about your media market – one that will be able to benefit your business for years to come.
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19% - "Have Unrealistic Media Perceptions" These are the business owners who are CONVINCED that EVERY newspaper, consumer interest magazine and TV show will run a feature on their new products when they launch a publicity campaign.

The Lesson: No product or business, no matter how big or great can be assured media coverage in every outlet in a media market. But you can get coverage in a good number of them given the right media tending. Every media pitch will be weighed against the media outlet's editorial lead-time, its available editorial space, and availability of an editorial staff member to cover your pitch. It is totally up to the discretion of each media outlet as to whether your pitch makes it to the pages or on air. It can be an uphill battle if you target the wrong media with the wrong message. With a little expertise and media market know-how, you can greatly increase the chances generating those media placements.
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29% - "Think Local & Large Media Are The ONLY Media" These are the ones who think of their media market in two simple terms: LOCAL & LARGE LOCAL, as you might imagine, means the media outlets in their city or surrounding geographic region -- the local newspaper, a regional business magazine or two, a few shows at local radio/TV stations. LARGE, on the other hand, are media outlets like The Wall Street Journal, Newsweek, Good Morning America, Oprah or your other favorite large circulation, trade specific media outlet.

The Lesson: The reality is local and large are indeed part of your media market, but not the only ones. The best media market opportunities may well be the dozens of other smaller scale papers, magazines, newsletters or TV/radio/cable shows that may generate more customer interest and sales than a placement in the big media might. Because of a lack of media market knowledge, many business owners don't even know these smaller, more targeted media outlets exist. This is where a PR agency or publicity specialist can be integral in your publicity campaign. They know the media market very well and will be able to find those media members who will be the best for generating editorial features on your business or product. They also have great media contacts that can turn one feature into a syndicated story that runs in multiple media outlets nationwide.
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41% - "Have A Good Grasp On Their Potential Media Market And Its Benefits" These are media-savvy entrepreneurs and business owners who are realistic and knowledgeable about how the media can benefit their business. They know that they have