Home Business The Easy Way - DRu Update http://www.blogmoneymiracle.com en-us EasyRSS
By Paul Tobey

Most web marketers would agree that the number one and most fundamental aspect of any successful websites are; "The more traffic, the better!" In keeping with that strategy, please let me share a few thoughts on how to actually accomplish this.

If you own a car, you can always count on being stuck in traffic. There are those who experience this on a daily basis; and for the rest of us who do not drive to work, hopefully, only occasionally.

Why is this a huge source of frustration and stress for most people? Drivers hate the very thought of being stuck in one place when they want to be in another place. Look at the people around you the next time you are in a traffic jam. Is everyone smiling and having a good time? Probably not...

How many of you want to know how to alleviate the upset and the anxiety associated with being stuck in traffic? Here is the thing, traffic jams are not going to disappear anytime soon! As long as our society relies on cars and trucks to get around, there will always be traffic! However, even though it sounds crazy, I personally have learned to love traffic jams. Here is why....

I have always maintained there are only two things you can do in any stressful situation; you either accept it or you can remove yourself from the situation. Beating yourself up or blaming someone else for the traffic jam only makes it worse. That is what most people do not understand. The traffic jam is not the problem; it is your resistance to it. It is that resistance causing the stress. The amount of energy you put into resisting your situation causes the stress, not the situation itself.

In the case of traffic however, it is obvious that you cannot remove yourself from it if you are already in it. So, the only other thing you can do is accept it, right? Complete 100% of acceptance of the situation is the only way to alleviate 100% of the stress. Now, I can hear your brain malfunctioning right about now and your saying to yourself, "how can I possibly learn to accept traffic?" Ah ha! Therein lays the secret to getting what you really want. Because that is, what life is about, getting what you really want instead of what you do not want, right?

What you really want is more success. Success means various things to many different people. It is still something that most people strive for daily, to achieve big things.

Success? In a traffic jam? You are saying to yourself, "now, I'm really confused!" You see, there is one place where a traffic jam is a beautiful thing...the Internet! That is what we call in the internet marketing business the key to any successful website, "lots and lots of traffic." The more traffic jams we can create on our websites, the better!

If you want more business success, start getting more traffic to your website. There are many things to consider when designing your site to make this happen; but without traffic, a website is useless.

Therefore, know what you truly want - more success. Now you know what to do to get it - generate more traffic to your website. However, the most important part of this 3-part formula is, knowing HOW to do it! Without knowing how to do something, you will never get the success you most certainly deserve. Business is about customers - the more customers you have, the more success you will have. Knowing how to get more customers to your website to create a traffic jam is a science and is definitely a learned skill.

Let's look at the many resources offered to you to generate the traffic you need to run a successful website; search engines, affiliate programs, content submissions, email campaigns, joint venture partners, link exchanges, blogs, pay-per-click advertising, and a whole host of other resources too numerous to mention here. If some of these things sound unfamiliar to you, my highest recommendation is to find out what they are and what you need to do to make them work. For the purposes of this article, we are going to focus on one thing; search engines. Why just search engines? Statistics have shown that 70% of your website traffic will be driven through search engines like, Google, Yahoo, MSN etc. Plus, it is free!

How do you make search engines work for you?

First, optimize your website to get a high search engine ranking. Select relevant targeted keyword phrases. Place those keywords strategically on your web pages. How do you know what keyword phrases to use? That is where many people make huge mistakes. They actually optimize their sites for keyword phrases that nobody is actually searching. HINT! First, find out what people are searching for; then build your web pages around those words. There are tools available to help you chose what search terms are relevant, such as; Google's free service called Overture, and WordTracker, which is a paid service.

After choosing your keywords, it is time to place them on your site. We call this keyword density. My suggestion, place one or two keyword phrases on each page in your; Page Title, Meta Description Tags, Meta Keyword Tags and a few times in the text of your webpage, for optimal results. This alone will significantly increase the ranking of your site for engines like Google and Yahoo. These engines think like people. They look for what is important on your website and how relevant your site is to what key phrases you are optimizing. Do not optimize your site for "free movie downloads" if you are selling cosmetics. Bad idea! You can actually be penalized by search engines for trying to trick them into sending you traffic.

Incoming links are the most significant factor in increasing your search engine optimization. Are you wondering how important this is? That is the million dollar, drop the gates, and release the hounds, key to the universe! Why? If you optimize your site with relevant keywords, which says, are you any good at what you do? Who has to say your products and services are any good? That is the way engines like Google think. They want to know from others if you do what you say, and if you are any good at doing it. How do they do this? By finding links to your website, on other sites, that promote what you are saying on your site. The more links into your website promoting what it is you do; the better!

Are you ready for the kicker? You mean there is more? Yep, there is more! If the last paragraph was a million dollar technique, this is definitely a two million dollar technique. Make sure that the links on other websites, which lead to your website, use your keyword phrases. Therefore, your links in from outside should look like this... Piano Music by Paul Tobey - where the link underneath "piano music" is the url of your site ie: http://www.paultobey.com. An engine like Google searches for the keywords first and then follows the link to see if it is relevant. If it is relevant, which in the case of the preceding example it is, then the ranking for the keyword search "piano music" will go up every time Google or another search engine, finds one of these links.

So, the next time you are sitting in traffic and you are agitated, stressed, and filled with anxiety, think of all the traffic your website will be generating while you are stuck in the car. Take a look at all the angry people around you, give a big smile, and say aloud to yourself, "I Love Traffic Jams."

Paul Tobey:

In addition to writing a number of articles about web design and search engine optimization the author owns a successful web design company in Toronto, Canada.

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By Tellman H. Knudson

Your goal as a marketer is to monetize your site as quickly and as easily as possible. In the process, build your list along the way.

There are all sorts of different ways to think about doing this.

If you are an AdSense publisher, it may be smarter to have AdSense only after people subscribe to your list. In addition, it may be smarter to only show the AdSense after people have told a friend.

Do you see why?

If these people are not on your list, if they are not telling their friends, then you cannot monetize those people again. They visit your site, and then leave, and go to the AdSense ad site, and forget to join your list. If they are on your list, you can monetize them repeatedly with ways that have more impact than AdSense.

Until they subscribe, do not show the AdSense. It may turn people off and they may not join your list. Alternatively, as I said, there are various ways to think about this. Maybe when they subscribe, the AdSense disappears because you already captured their names and addresses for your list, and then you can follow up and make recommendations on products that they would benefit from. Test these!

Perhaps, do an A/B split test, where one page has AdSense and the other does not. See which one works better, and then go with it. However, keep testing. Test your headline; test your subscribe button. You can test all the elements of your page--one test at a time. For instance, do not change your headline and the opt-in button at the same time. You will not know which prompted the viewer to join your list.

Consider the following. When implementing marketing strategies, do not take too much time before you test them. If they do not work, you took a lot of time to think about something, which did not work.

I would recommend that you send out a press release. Do it today, or at least first thing in the morning to drive traffic to your squeeze page, which should lead to your sales letter or the sales letter of the product you are promoting. A press release about your new site will get some traffic.

You also want to use pay-per-click. The reason you want to use pay-per-click is, you can check your conversions and see how everything works before you find list members and everything else. I would use pay-per-click and get rolling with that right away.

Whatever your budget is $5, $10, $100, or $2,000, spend that. You want to go low. You can spend $5 to $10 a day. Focus on split testing and tweaking the squeeze page and the sales page, until it is making money for you on the $10 a day.

The whole thing is... Do not Wait! Take action immediately! Do not let anything stop you. If your squeeze page sucks, you can make changes to it, until it does not suck anymore. Yet, it is out there the whole time, getting some response. If you had nothing working for you, you would be no further in building your list.

Tellman Knudson is CEO of http://OvercomeEverything.com. Learn how to build a powerful and responsive list quickly through his premiere list-building course, http://MyFirstList.com (http:/myfirstlist.com ).

Changing Your Affiliate Formula]]> http://miraclemoneyblog.com/homebiztips/HomeBusinessTips_DRu_23/user/index.php
By Adele Sommers.

Copyright 2005 Adele Sommers

Is there a secret to making stellar decisions? I am talking about a process that, "Engages people in reaching satisfying, robust conclusions"... "Guides thorny, complex problem solving with relative ease," "Averts expensive project failures instead of causing them," "Decisions made during problem-solving sessions are legacy, businesses often have to live with for a long time!"

Not every decision requires special attention; many are simple and routine. The more risky, costly, or large-scale a problem or project is, the more attention it requires. In these instances, the after effects can come back to haunt people who bypassed good decision-making procedures. This article explains three ways to get superior results from your decision-making processes. Avoid "Mission Impossible"... Remember the old saying: "If you fail to plan, you plan to fail."

The quality of the decisions people make in group settings determines the long-term benefits of those decisions. Unfortunately, potent tools and techniques for making complex decisions and solving tricky problems do not seem to be widely understood. Decision-making techniques are critical for managing projects, for example, where they should be visible in every aspect of project planning. Imagine an aerospace firm that designs and builds highly complicated satellite equipment. The potential exists for large-scale fiascos, if not every facet of every phase comes together perfectly! Yet, for various reasons, decision-makers often feel pressured to arrive at expedient outcomes when working on urgent issues under tight deadlines.

Side stepping sound decision-making techniques often occur in the planning stages "for the sake of the schedule." Rushing through a project can easily backfire, and actually cause it to go over-budget and end much later than the original schedule would have required. You have noticed the consequences of poor decisions -- where people hurried to make a decision without weighing all of the important issues -- can range from annoying to catastrophic...And Turn It into "Mission Possible"! If you will recall in the "Mission Impossible" series, the characters invented ingenious maneuvers and planned every aspect of the project down to the minutest detail. Though, not always obvious to us, -- the viewers, -- the mission planners and implementers had to weigh the risks, alternatives, and "what if" scenarios of every potential outcome.

All of these actions contribute to great decision making. The best decisions for difficult problems can withstand future challenges because they use structured techniques. These techniques help the participants generate breakthrough ideas, jointly analyze risk, and weigh alternatives. Intricate decisions made without them can quickly fall apart and may even cause harm. Therefore, to arrive at great group decisions, I rely on proven, highly adaptable methods such as these:

1) A silent brainstorming process that leads to breakthrough thinking can end up with exceptionally good results. It uses an affinity diagram. Why is silent brainstorming useful? The process of generating brand new ideas naturally excites our filtering mechanisms -- the ones that protest we have already or that someone's new idea can't work "because..." Silent brainstorming, on the other hand, helps us get past those instinctive hurdles to expose new frontiers that we might not have explored.

2) A handy problem-solving tool that helps people identify underlying causes of challenging problems. It uses a root cause diagram. Why is getting at root causes necessary? Because too often, we fail to look deeply enough at what is responsible for a particular problem. Orders not filled correctly may have a whole series of nested or interconnected reasons, for example. The answer could be far simpler than anyone thought, such as a faulty printer ribbon that does not print orders clearly, rather than, say, training issue. We would never know without asking "why" from several angles and points of view.

3) A tidy decision-making technique that enables a group to compare ideas and alternatives uses a prioritization matrix. Why is prioritizing valuable? It is one way we can assess the relative merits of one idea over another, especially when each has several complex components. Using a tool with a built-in scoring system can coax the real winner to emerge, clearly separating it from the "runner ups."

In conclusion, structured decision-making produces sturdy, satisfying results -- even for complex projects or problems -- while boosting both morale and profit potential. For more information on these methods, you may want to explore the decision-making tools and guidebooks at http://www.GoalQPC.com.

Adele Sommers, Ph.D. is the creator of the award-winning "Straight Talk on Boosting Business Performance" success program. To learn more about her tools and resources and sign up for other free tips like these, visit her site at http://LearnShareProsper.com

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by Erich Sweaney

Newbies and Expert Internet Marketers all have one thing in common: Trying to get their Websites indexed through the top three major search engines quickly. For larger Websites, the task is even more daunting, and there are a few small but effective techniques that can assist in the indexing process.

Patience is a virtue and in today's internet marketing world patience and planning is a key.

Smaller one- or two-page Websites, also known as sales pages, are the easiest and quickest to get indexed in the three major search engines. Almost anyone can generally succeed by just manually submitting through each search engine's submission process.

Websites with a considerable number of pages will often immediately get their first page indexed, which therefore requires small effective planning strategies and a little bit of patience to become completely indexed.

Effective Key Planning Strategies:

(1) Prior to submitting your Websites to the search engines, establis link partners, which will cause the search engines to start indexing your Website.

Start planning out the basic Website structure so that search engine robots can easily flow through your Website and index each page.

(a) Have a sitemap linked from you main index page that thinks throughout your Website.

(b) If possible, ensure that each page is linked together, not just back to the main index page. This has been a successful technique in the past.

(c) Build and submit a Google Sitemap.

(2) Test your Websites design and structure using Google Sitemap Software such as SOFTplus GSiteCrawler (Freeware) that will try and index your entire Website.

If you're unsuccessful building a index of your entire Website, then further planning and design changes may be in order, to index your entire Website. If the software cannot index your entire Website, how will the search engine robots index your entire Website?

(3) Instead of manually submitting your Websites, submit your Website through directories and establish link partnerships. This will improve how often your Website is crawled by the search engines and how fast your Website is indexed.

Also, when establishing link partnership and directories, the higher their Google Page Rank, the quicker your Website will be indexed and more often your Website is crawled.

(4) Patience. The process the search engines will go through while indexing your Website is: First, the search engine will have to find your Website (hence, establishing partnerships with high Google Page Rank), then crawling through your Website and absorbing all the information contained, then ranking each individual page and, finally, your Website will appear in the search engine result pages (SERPs).

Erich Sweaney has been marketing online since 1999. http://www.es-solution.com - Discover the Power of Internet Marketing!

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By Kanaga Siva

Free Membership, Free Submission, Free eBooks, Free Websites, Free Downloads, Free Classifieds, Free to Join; yes, anything Free has an incredible pulling power in both Internet and Affiliate Marketing.

It is simply amazing how this four letter word, ‘FREE’, can capture the imagination of the newbies, and also the most seasoned and experienced Internet Marketers, and Affiliate Marketers.

The Success of your Internet Marketing or Affiliate Marketing Business depends on several inputs such as Determination, Dedication and Motivation, among others. In spite of possessing these qualities, financial limitations can be a dampening factor in your endeavor to succeed. Therefore, an offer of free tools, free eBooks, free classifieds, etc. can be just the thing you have been longing for to boost your confidence and help you succeed in your business.

Even if you are not short of funds to operate your Internet or Affiliate Marketing businesses, the offer of free items that could be helpful to develop your Internet business is something no sensible entrepreneur wants to ignore. Why pay for something when you can get it for free?

It is important to note that in spite of the prominent display of the word Free, some items are not always Free, and some are useless; nevertheless, the urge and desire to try them out persists.

There are many scammers who capitalize on this, to make a quick buck. This is where the newbie has to be watchful and not fall prey to scammers.

Many genuine smart Marketers do take advantage of this inherent weakness of both man and woman and offer free items to promote their businesses.

There are several great free webmaster tools that are extremely popular with Internet marketers, Affiliate marketers, Internet home based business entrepreneurs, and other online entrepreneurs.

Similarly Free eBooks and Articles written sincerely with the sole purpose of educating the audience are also very popular and sought after by webmasters.

There are websites dealing exclusively with Free items that are very popular in the Internet.

Another Free item extremely popular with low budget business entrepreneurs are Free classifieds.

There are also several very much sought after Free to join affiliate programs that are long standing, safe and secure, and global in nature, who provide you with free tools, free web sites, and great support systems.

Thus the Internet abounds with all kinds of free items. Some have hidden charges. Some lead to scams. Some have both free and paid versions. Some are totally free with no strings attached.

Regular visits to the Search Engines such as Google, Yahoo, MSN, and Altavista and studying these various free items will help you to weed out the Good from the Bad and the Ugly.

Great people do exist out there in the Internet World. They are prepared to share their knowledge and expertise with the rest of the Internet fraternity for Free. Webmasters and Online Entrepreneurs should indeed be grateful to these Individuals and Organizations who are constantly making the Internet experience much easier, cheaper, pleasant, and enjoyable for millions of Internet users.

The Incredible Power of the word FREE without doubt continues to captivate the hearts and minds of the Internet Marketing and Affiliate Marketing world, until a more powerful substitute is discovered.

Copyright © 2006 Kanaga Siva Kanaga Siva has a wealth of experience in Marketing and operating a successful Home Based Business. Visit his http://www.business-fromhome.com Website for Tips, Ideas and Advise to start and operate a Home Based Business.
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Working out what your niche market will be to start your home business is something that can elicit much excitement. This is when you can put all those great ideas you have had for your business into a plan of action. Give yourself a number of options to work over. Some will be great and some won't fit. Get more than one so you always have a back-up when you start a home business.

Look to 3 sources for ideas:

* A hobby you love: You won't find many hobbies from which you can't build a business. And since you enjoy doing it, it won't be tedious to "go to work" every day. When you pick something for your business that you sincerely like, you will have fun at doing it.

* Your experiences: In life we go through many experiences and you can use these to build a business. For example, if you have raised children, you can put all your parenting experience together and start a business related to parenting.

* Your talents: Everyone has one or more talents within them. Dig down and see what yours are. You can start a freelance business using your talents.

Defining your niche market:

1. List out some ideas, then put them in order by what you like the best.

2. Go to the site listed here and put a keyword into the overture suggestion tool box: This will bring up the amount of searches that have been done for your keyword and will represent demand.

3. If you search out that same keyword on Google search engine (http://www.google.com) you will see websites supplying that item and you will know how many competitors are out there that you'll be up against when you start a home business.

4. If you find a topic that is demanded in quantity but low in the suppliers, you will then make money. This should be your special market for which you do your niche marketing. You will make more money with a niche market as you will reduce and sometimes even eliminate competition. Go through your list of ideas until you narrow it down to about 5 choices.

5. Then go through them again and see which one will fit into a niche market.

Establishing your USP:

Once you have found the concept that fits into a specialized or niche market it is time to establish your USP or your Unique Selling Point. This is when you will take your idea, and see how you will make your business uniquely different from your competitors. Often neglected, finding the USP is something that new business owners need to do to set their item above the competition. Online businesses are very competitive and you have to stay ahead of the game.

There are two reasons you need to set yourself up as different from others:

1. Get ahead of your competitors

2. To clearly define to your potential customers why your product and service is better than your competitors.

Deciding on your business model:

Part of your business concept will not only be consolidating your ideas but also choosing your business model. There are a few that you can choose from:

* Affiliate marketing-Getting involved with affiliate programs will target your efforts

* Network marketing (MLM)- again this will target your market and idea.

* Marketing-taking the product and selling it

* Service- you should use your talents, which includes freelancing.

You can see there are a number of things you will have to do to get your business concept into operation. But it's worth it to plan and take care in developing it. It will be your foundation, after all.

Dan Farrell has a newsletter, Build An eBusiness On A Shoestring. To sign up with free bonuses, go to: Niche Market Ideas (http://build-an-ebusiness-on-a-shoestring.com)]]> http://miraclemoneyblog.com/homebiztips/HomeBusinessTips_DRu_23/user/index.php
By Zaak O'Conan

You have finished writing your eBook. You have a basic understanding of what an eBook compiler does. You may be feeling overwhelmed by the number of compilers on the market. To help you make your decision, I have tested and reviewed the best-rated eBook compilers currently available.

* E-ditor

This software has a demo version you can download to try out before purchasing. You cannot actually use the demo to create an eBook, but you can run the software and test it out thoroughly to see if it does what you need it to do for your particular eBook.

This eBook compiler is one of the easiest to use. The software has a very user-friendly help menu that provides instructions for and explanations of every field on every screen. The program also includes video tutorials demonstrating every step of this compiler with clear explanations of all fields that you need to fill in. There are seven screens to help you choose your eBook options.

This compiler requires your files to be in HTML format. You follow simple directions, and the compiler loads your files. If you decide to edit your eBook after it has been compiled, make any changes in your original files and click on "Compile your eBook" and your changes will appear in your compiled eBook.

E-editor allows for some customization of your eBook. You can create a special page that appears when the eBook is opened; create customized icons that appear on the desktop after downloading; use your own logo on the task bar of your eBook; customize the task bar's buttons, where the task bar appears in your eBook, and choose the task bar's colors. Additionally, you can choose to have the eBook open to the last page read, which many of your buyers will appreciate.

An excellent and unique feature of E-ditor is the capability to choose a standard Microsoft window or to create your own design for a window to personalize your eBook. The program provides some sample window designs, but you can use any .bmp (bit map skin) graphic you have stored on your hard drive.

E-ditor is a good choice if you are new at producing eBooks because it is easy to use and allows you to customize the appearance of your eBook.

* Desktop Author

This compiler does not require a browser, nor do you have to download software or plug-ins. The program converts exe. files into pages to look like a standard book. You can create and produce eBook pages scaled to fit on your computer screen without any scrolling. Additional features include WYSIWGY (what you see is what you get) page editing and creation, the ability to manipulate internal images, cut and paste functions, hotlinks to pages, email, website, or other files. It is an excellent compiler to use for marketing tools, such as creating brochures and manuals in addition to eBooks.

* EBook Edit Pro

This compiler provides a demo version, which allows you to test out its features. The software uses a Wizard that leads you step-by-step through the set-up and creation of your eBook. Customization includes text editing that appears on the pop-up starting message window; the ability to allow or prevent resizing of your book and the mouse-click pop-up menu; enabling or disabling the navigation bar and choosing the buttons you want to appear; and customizing the eBooks' desktop icon and the logo that appears on the navigation bar.

Ebook Edit Pro is loaded with excellent features that allow you to create multi-media Ebooks, and includes a Wizard Customizer for beginners and for advanced users. The software uses HTML files, downloading them from the directory, where they are stored and saved. Edit and resave your files in the original software used to create those files, and then with a single click you can re-compile your Ebook.

Features include customization of icons, toolbars, and the "about box." This compiler has a particularly useful feature called the Rebrander feature. This permits you to enter customized code into your Ebook pages and distribute the Rebrander software to your affiliates or distributors. They can then customize the links included in the Ebook, but they cannot alter any link or information that you have not entered as a customized code.

The software includes "eBrand-It" software that allows custom fields for your customer's name, affiliate ID or URL. This feature is a powerful marketing tool because affiliates are much happier giving away your Ebook from their own site when they can customize it.

* Ebook Compiler

This compiler offers a demo version that allows you to compile 10 files. If you do not include graphics, you can create a 10 page Ebook that allows printing and copying of the Ebook. The catch is that you cannot sell any Ebook you create in the demo version.

The purchased software is user-friendly with easy-to-follow help files that guide you through the steps of compiling your Ebook, and explains what an Ebook compiler does. The software provides detailed instructions on how to create source files from Microsoft Word 2000 and 1997, PowerPoint 2000 and 1997, and HTML documents. It contains less detailed instructions for creating source files from other programs.

This compiler allows for password protection of your entire Ebook or for selected pages. Additionally, you can set a time limit on your Ebook. When the runs out, the customer no longer has access unless they pay for it. In other words, it allows you to create a demo version of your Ebook for marketing purposes.

You can set a single password or multiple passwords. Using multiple passwords assigns each user their own specific password. Online help files guide you through setting up your passwords. You can also create a Sales and Thank-you page for selling a password protected Ebook. This is a good choice for the novice, particularly since it includes basic features for password protection and distribution.

* Active Ebook Compiler

This easy to use compiler provides excellent features. This software can support HTML, JPEG, GIF, and all active plug-ins. Features includes password protection, branding, internet linking, icon customization, assigning unique serial numbers, splash screen, file compression, and start-up messages. It also provides free lifetime upgrades. Additionally, it includes a preprocessor, re-brander, active script, and detailed instructions for using HTML, Power Point, and Microsoft Word files.

Several other excellent Ebook compilers on the market are worth looking into.

Ebook Generator features splash screens, password protection, branding, icon customization, and compression control. Additionally, it includes virus prevention that alerts the user to any modifications made to your Ebook and offers usage statistics so you can track your EBooks' use. With all these advanced features, this is an excellent compiler for the beginner because it is exceptionally easy to run.

Ebook Creator is another excellent compiler, supporting HTML, JPEG, GIF, PNG graphics, and JavaScript, VB script, and Java applets. It also supports all Internet Explorer plug-ins. Standard features include unique serial numbers, direct linking to a form or a page on your website, disabled right clicking, and search functions. The software allows for expiration after a set number of days or usages, which allows you to create demo versions. You can create up to 1000 different passwords; every time the Ebook downloads, a unique password is required to access protected pages. The software provides user-friendly menus and buttons that allow the beginner to the advanced user to create their Ebook.

Obviously, there are some excellent compilers out there. So figure out EVERYTHING you need in terms of features, and then compare prices and options. If they are offered, take advantage of demo versions before purchasing. Then, have fun creating your Ebook!

Zaak O'Conan discovers and presents information on to enhance your site, newsletter, marketing, and other Internet related topics. You will find his other articles that expand your horizons at http://WebWorkersWeekly.com .

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By Michael Moshkovich

These are tips on what to avoid during the developing stages of your internet marketing business to give yourself the best chance at success.

You need to know several things before building a business in internet marketing. More important, several aspects need avoided when building an internet marketing business. Avoid overuse of keywords, and waiting to advertise your website. It can be detrimental toward the success of your internet marketing business.

All over the internet, search engine optimization and keyword optimization are one of the most important parts to internet marketing. What people do not realize is, this does not mean put your targeted keywords in every line of content. Overusing your keywords throughout your content makes it difficult to follow along with what you are saying. You have to learn to create a balance between the two extremes of not enough use and too much use of keywords.

Keywords are a vital part to the content you distribute in your internet marketing business. The content itself will either draw in readers or push them away. When you begin writing your content, it is easy to get off the subject and begin writing about nonsense. However, it is crucial you provide quality content related to your websites overall theme.

Aside from the content on your website, the information you provide in your emails and other internet marketing schemes is crucial to generating more sales. Because your internet marketing business is new, the logical thing to do is make your point clear and concise. Sometimes clear and concise is too long. It is difficult to learn when you first start out, but you will quickly realize the best email messages get your point across in a short message.

The last thing that is oh too common with newbies is waiting to begin marketing your website until it is more developed. The problem is you are wasting time to begin generating potential sales. Your website constantly needs developing, because in internet marketing, the best way to stay on top is to constantly be evolving and adding new content.

On top of the potential profit you could be missing, you have no idea whether your hard work is what the public is looking for until you give them a chance to look at it. The best way to build a people-friendly website is to get feedback and criticism, because this allows you to learn from your mistakes and build off what people are telling you.

Although you do want to put a lot of research into how you can build a promising internet marketing business, what not to do should be of equal importance to you. While there are several things you need to avoid, Business Management Articles, these are some of the worst mistakes you can make in the internet marketing business.

Michael Moshkovich is a web developer and internet marketer who has written over 50 articles on SEO, shopping cart software and PPC marketing. To find out more information about WebCart visit us here (http://www.webcart.net/). For eCommerce marketing tips, visit the WebCart Blog (http://www.webcart.net/shoppingcartsoftware).

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By Lili James

Who doesn't love a beautiful gift basket stuffed with sweet smelling beauty products or cheeses with jams and all kinds of different treats? The booming gift basket business brings in more than $1,000,000,000 (one billion) each year to florists, home based gift basket business, gift stores, and through other sales that are related to the business. Gift baskets are a unique gift giving idea that becomes more popular each year thanks to new categories and new interests and available products.

You can sell themed gift baskets -- bed and bath, gifts for children, wine lovers, chocolate lovers, a day at the beach, champagne and caviar, first day of school, Valentines Day, Christmas gift baskets, Easter baskets, 4th of July, etc. -- at gift trade shows, through mail order, Internet auction, etc, At local flea markets you can set up an area where people can put together baskets with products that they choose from your available items -- and you can charge per item or charge a flat fee per basket.

To get your business started you can get business cards and brochures printed that illustrates your available gift baskets and other products.

# You can compile a mailing list of potential customers that you can send a brochure to.
# Give business cards to people in your neighborhood, at work, at the gym, at church, on the train or bus,
# Distribute your cards and brochures to corporate office buildings -- especially during the Holiday seasons
# Take out ads in local newspapers and magazines
# Give sample gift baskets to local radio stations to be awarded as prizes
# Take candy filled dishes to several businesses along with some business cards and brochures

When you have gotten your business organized,

# Go to trade shows to show and sell your baskets and other products to the buyers and other customers at the show.
# Personalize your baskets by designing, printing and using your own labels.
# Spend one hour a month showing others how to make gift baskets -- sell your products at the class to make more money and to steadily grow your business.

Get started with your gift basket business and get your piece of the 1,000,000,000 pie.

http://www.necessaryinfo.info/

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by Paul Speziale

“There is no harder job in the world than copywriting, yet there is none more rewarding...both financially and emotionally. It truly is the world’s best kept secret job.”

First of all, there is some confusion about copywriting...let me dispel the most common myth:

What Copywriting is NOT

“Copywriting” is not “Copyrighting”. Copyrighting is the act of securing the copyright on a piece of work. A copyright is just the legal right to reproduce the work.

What Copywriting IS...

Wikipedia, the online encyclopedia, defines copywriting or the act of writing copy as:

Copywriting is the process of writing the words that promote a person, business, opinion, or idea. It may be used as plain text, as a radio or television advertisement, or in a variety of other media.

I agree with this definition, but copywriting goes much deeper than that...It is both a science and an art.

Where You Can Find Examples of Copy

It’s generally used in advertising and marketing and is primarily used to sell goods and services, but it is also used to communicate with people.

You can find it in all ads that you see everyday...

That includes: the Internet, newspapers, magazines, billboards and radio...on the package of things you buy, on the back of your milk cartons, and even the bible! More on that later...

The Problem With Copywriting and Why It’s So Important

The act of copywriting is the most mis-understood skill in any business, yet at the same time it’s the most important.

Here’s why:

It’s really just words on a piece of paper.

It makes it even more mis-understood when a copywriter asks for thousands of dollars and it only took them a week to prepare it.

But, when written correctly and sent to the right people, it has been known to turn a mediocre business into an industry giant very rapidly.

Your words, reproduced thousands of times, leverage your message to thousands of people...and it costs only fractions of a dollar per letter to distribute it.

A well-crafted, persuasive letter is one of the most powerful forces in the world today.

You know, while the National Enquirer won’t even win the Nobel Prize in Literature, they write with simple language and very effectively target their audience...they have over 15 million readers after all. With all the complaints they get, no one has ever complained they write too clearly.

Words on a piece of paper have been known to create wars (or prevent them), to sell millions of dollars in goods, to express emotions and so on...

I said earlier that copywriting was in the bible...St. Paul, the Catholic saint, used copywriting to communicate the word of God to other people. He spread the message without ever having to be there personally. He was one of the earliest copywriters.

The president’s speechwriter is a copywriter...he or she has to be very careful about the words they use.

The Role of a Copywriter

The role of the Copywriter is to write copy. Simple.

To write copy, a copywriter must research their a) intended audience and b) their subject matter. Then they must put pen to paper and create a message that will communicate their subject matter to their intended audience.

The copywriter must also pay attention to how the copy

a) Looks: if the copy looks too overwhelming, no one will read it.
b) Flows: if the ideas and words in the copy connect together properly.

In the end, what does a copywriter produce? The length and type of copy can vary...they can produce letters 30 pages long or as short as one sentence (or a word or two).

Writing 30 pages is definitely a skill, where if you want to sell something, it has to be extremely interesting so that someone will read it...

What about writing a sentence? Sometimes that can take months of digging into volume after volume of dry product data and material to uncover the one phrase that can best describe the product.

Every word counts and is worth its weight in gold

In both cases, every word counts...the copywriter must agonize over every word because not only are you paying for the space you use (in a magazine for example) to distribute the copy, but the very words themselves can either persuade your audience to listen to you and buy your products...or completely turn them off.

Because of the complexities and the needs for copywriters...there has emerged a wide range of copywriters...they range from artists and English majors to people in sales.

The difference between the two, I will discuss in my next article: “The difference between your “everyday copy” and “copy that sells”

Conclusion

Copywriting has been around for hundreds of years in various forms. Only in the last 100 years or so has it been used so widely to sell goods and services. Yet, despite all this, it still remains one of the most mis-understood, but important aspects of any business.

Everyone should know the basics of it and use that skill in their business.

Paul Speziale is a direct marketing consultant / entrepreneur based out of Toronto, Ontario. He has served all industries from manufacturers to retailers, from entrepreneurs to professionals. Besides helping clients, he is working on his own projects. He also volunteers his time for several worthy causes both local and global. You can reach him at: http://www.AnelloSolutions.com: Growing Your Business Through Low-Risk, Optimized and Results Based Marketing.
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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 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 Lynette Chandler

Just when you think you understand the content publishing trend of the day, here comes another one to mess up your plans. If you're frustrated, confused and don't know how to fit everything or if you even should. It's not easy coming up with a web content publishing management strategy. It's something I struggle with from time to time, as well.

I believe it's a personal choice. All these are just different methods of publishing your content. There are some key questions you might want to consider.

What is your audience most predisposed to?

The reason we publish web content is so people will find it, read it, use it, and hopefully generate a sale for your products. It doesn't matter which is the best format but what is best for your audience. Which content format do they respond to most? Are they highly mobile people, always on the road? Do they prefer reading to listening? Are they technically savvy enough to understand how to use an RSS reader? If you don't know, ask them.

You'll naturally have a hodge-podge of answers. Sometimes even after asking, the result is not always clear. Overall, written content still triumphs over multimedia for several reasons. People cannot scan an audio or video file. If they want just one piece of information from that hour-long recording, they are forced to find an hour of their time that they may not be willing to give.

Why are you building that site?

How do you picture your website? For example, if you start a site answering 'questions about coaching' then a Blog would be an ideal type of publishing to use, and you can easily publish the questions and answers. Blogs are perfect for sites like product reviews; launch updates, deal of the day, news and event reporting and FAQ's. You can always use a Blog and articles as a compliment to existing sites.

Other sites, especially those built for educating and dispensing information, would be better off with a regular article based site. While you can use a Blog as a content management tool for your articles, a regular website offers much more control when you're trying to optimize each web page individually. True, you can optimize a Blog, however, overall I find it's easier to optimize a website.

Relevance

This is where a good long look at your overall business helps. Some people build sites in all kinds of niches, from gadgets to babies. Others find their niche and build upon it by creating different sites related to that niche. Example: the main business is coaching. They have one site on coaching FAQ's, one for coaches, one for life and balance articles for a working mother, and so on. If your business is structured like the latter, it's going to be easier for you to figure out which approach you should opt for.

This is because all of these sites are working in tandem to support your main business. It doesn't matter which you use, in the end, the focus is on your business, you are promoting your services no matter where people go and you'll reap the rewards. Each of these sites also becomes a network of content. Doing so also means you could keep only one Blog and use it to direct people to new articles, highlight special articles or alert people about a teleseminar call, kind of like a news hub just for your business. Another nice plus to this is, you don't have to build so many Blogs that you’re unable to keep up with.

An example is this page you're on. Some of you are directed here because I mentioned the article on my Blog. Some of you come here from my newsletter, and some from reading the Blog's RSS feed.

When to pod cast

There are many benefits to pod casting. It can take up an awful lot of time. It's hard work publishing a show every week or every other week for that matter. So, make sure you can commit that kind of time before doing so. That doesn't mean you can't publish audio your Blog when you have an audio to publish.

Many people misunderstand pod casts; they look at it like they see radio and magazine, which are totally different things. Fact is, many pod casts are Blogs and vice versa.

If you think pod casts are just a little too much to handle right now, here's one way you can leverage them without committing yourself to it. Become a guest on someone else's pod cast who’s reaching the same niche as you. Pod cast publishers are always looking for great content and people to interview so, fill their need. Why create your own when you can piggyback?

There are many things to consider, it could go on forever, but given this time slot I'll make it quick and point out a few key areas.

Some sites are just made for Blogs – reviews, FAQs, deals, news and updates.

Look for synergy. I'll usually start off with a regular articles based website. I think you can’t go wrong with it. It's the basis of the Internet and will be for a long time; just like books are still in publication today, it's not going anywhere. However, also try to see if an existing Blog can help drive traffic to this site simply by highlighting articles or mentioning certain things about the content.

Sometimes time itself is of the essence and we just do not have enough of it. If you find this to be true you can still create an influence of a pod cast by being a guest on a show or by contributing recorded segments. You could create an audio of an article that you've already got written so that it doesn't take up much of your time. This could also apply to Blogs. If you find you don't have time to write a Blog, or another Blog, then see if you can be a contributor to a relevant Blog. You could even set up a 'Community Blog' where three or four people will add there posts; so that it is busy without one person having to do all the work.

Lynette Chandler helps entrepreneurs recognize and apply the power of technology to their marketing. Discover how web conferencing can work for your business today at http://www.webconferencingworks.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 to narrowcast their media pitch to a select segment of the media in order to get coverage that will increase exposure for the business.

The Lesson: Don't let a PR agency or publicity specialist tell you they will send your pitch to 20,000, 30,000 or 50,000 media outlets. The reality is, of the 8,000 daily & weekly newspapers, 11,000 magazines & newsletters, 15,000 radio/TV/cable stations and 7,000 Internet news sites in North America, only about 25% of those accept press releases from outside their geographic area. They cover only LOCAL issues, businesses and products, and it is a waste of time to target them. The key is researching to discover which media outlets will be receptive to your pitch and knowing how to parlay those media contacts into positive consumer interest features that will educate and entice customers about your product or business.
--

Just like marketing to find the right customers, one should be equally diligent about finding and pitching the right media market. Bottom line – whether you have a general interest product that has widespread consumer appeal or a trade specific business with a very narrow customer base, knowing your appropriate media market can mean the difference between product/business publicity and product/business obscurity.

Copyright (c) 2006 Todd Brabender

Todd Brabender is the President of Spread The News Public Relations, Inc. His business specializes in generating media exposure and publicity for innovative products, businesses, experts and inventions.
http://www.spreadthenewspr.com
mailto:todd@spreadthenewspr.com
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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 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 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 Stuart Elliott

Interestingly enough, the majority of people who ask me if their sales letter is too long have missed the boat somewhat.

Their mind is focused on the length of their sales letter rather than the job the sales letter has to do. When they do that, it is impossible to write in a manner that will convince the reader to take action and buy their product.

No, your main focus when writing a sales letter must be on the job it has to do and that, in a nutshell, is to convince the reader that he or she needs to buy your product.

Pay special attention to the word 'need' here. You must focus upon the emotional need of the reader - this could be nothing more than simple 'one-upmanship' over a neighbor instead of a logical need.

For it is a fact that man…

"Buys based upon emotion and justifies that decision with logic."

Just think about that statement for a second. When was the last time you bought something based purely upon cold hard logic? Probably never, right? It was your emotions that directed you toward the purchase and the logic that justified it.

Take a shiny new car as an example. (And by the way, 'shiny new' is a subtle emotional trigger...)

If you were to look at the purpose of a car through the eyes of cold hard logic, there would be very little reason to buy one with all the latest gizmos that are designed to pamper you. (And cost you more.)

All a car has to do is get you from A to B safely, dryly and quickly. Given that logical explanation, who has need of a radio, electric windows, self-adjusting vibrating seats, automatic distance sensor for reversing, and so on?

They don't help you in the primary purpose of getting from A to B, do they? No, rather they serve to pamper you at an emotional level.

So going back to your sales letter, you need to identify these emotional triggers inside your prospect and write about them in an exciting way that is sure to trigger those emotional needs further.

If this means that you have to write 30 pages of copy to do so then do it!

The more you have to write, the better the chances you will have of getting the sale.

However...

Don't just go and write thirty pages of waffle or repetition. You should ensure that your pages are full of emotional excitement, not just page after page of boring old features.

Also, prove how your product has helped others. Social proof in the form of testimonials from other satisfied customers is a powerful addition to your sales copy. They are usually written in a persuasive, emotional way. The testimonial writer has bought your product and it has helped him or her; often, it is all that needs to be added to your copy to convince your reader to buy.

Going back to the car again...

Here are a couple of features that will do nothing to add excitement to your sales letter:

Auto reversing distance sensor...

It has the latest auto-reversing, distance sensing device.

"So What?" You say, " What use is that to me?"

--------------------

Vibrating Seats:

The seats vibrate as you drive.

"Err... Excuse me?" You think, " Why do I need a car that has seats that shake about when I drive? I mean, if I drive over a bumpy road, I'll get the same effect won't I?"

--------------------

Blah, blah, blah... What is this doing for your prospects emotional needs? Nothing! It's just another page full of boring old words, Goodbye!

Now, if you change the above sentences to something like...

For the auto reversing sensor:

Save Money On Your Insurance Premiums...

The truth about sky rocketing premiums is out. Major insurance companies have admitted that 60% of all claims for minor bumps on vehicles they insure is due to parking bay mishaps.

"Many people just don't know how big their car is and accidentally bump into another one when maneuvering around in busy parking lots..." Quoted an Insurance company spokesperson.

The shocking truth is, your premiums are being loaded due to others carelessness, but...

Now you need never worry about those fools or how big your car is again, because XYZ model will actually tell you when you are getting too close to another car. This means you have the pleasure of driving and saving on your insurance premiums at the same time.

--------------------

For the vibrating seats:

Personal Masseuse, Yours Absolutely Free With Every Car...

Imagine your very own personal masseuse... yours to pamper you as you drive... takes away the stiffness in your back and legs in an instant... You stay fresh and alert while you drive, arriving safely at your destination - No other car has massaging seats that will pamper you like a king.

--------------------

Don't these two paragraphs create a little more excitement in your mind?

All you have to do when you write your sales letter is keep building more excitement with every word until your prospect suddenly says "Wow! I gotta have one of those!"

It doesn't matter if you have to write 50 pages of copy to create that feeling, as long as you keep the excitement building up, your copy won't ever be too long.

Remember that your sales letter has to be exciting and long enough to do its job otherwise you won't get the sale.

Copyright (c) 2006 Stuart Elliott

Stuart Elliott is a world-class copywriter who has written numerous articles about sales letters and copywriting. Drop by: http://howtowritekickbuttcopy.com to pick up your Free Copywriting Power Guide.
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By Tim Sales

I've made millions in network marketing, I've made millions through investments, and I've also lost a lot of money too. Profit from my mistakes and learn how to best invest the money you make in your MLM business.

Network Marketing professionals often ask me how to manage the profits earned from their MLM income.

Can you make more money by diversifying into investments such as stocks, bonds, real estate, etc., and have your money working for you in other areas besides an MLM business? Or would you make more money by really focusing and investing your money back into your MLM business?

There are three items to think about when answering this question for yourself.

A. What else would you do with your time?

B. What else would you do with your money?

C. What else would you do with your attention (definition: the ability or power to concentrate mentally)?

Every investment (stocks, bonds, real estate, your sister's business) requires that you learn about it. Just the learning costs time and attention. It is the using up of your attention that rarely gets factored into the "diversify your money" advice.

Probably what's most important here is, the greatest amount of money you will ever lose is that amount you will never make because of misuse of A, B, and C from above.

When listening to a radio talk show 10 years ago, the advice given to me was, "Select the top three stock market sectors based on trends. Put one-third of your investment capital in each. Wait 10 years and you should be wealthy off your passive investments." I was making about 50 thousand dollars a month above my expenses - so I thought, "Why not?"

I chose the following sectors: Health Care, Technology, and Telecommunications. After losing about half of my investment, I changed to three different sectors. I look at my portfolio today and I have lost another $11,848.78.

Don't get me wrong; there have been times I've made over $50,000 dollars in the stock market in a day. Fun! And there have been times I've lost $150,000 dollars in a day. Not fun.

In addition to that, I've spent an enormous amount of time on my "passive" investments. Many hours (per week) have gone into "pondering" (wasting item C from above) what the stock market is going to do next. Reading newsletters, magazines, newspapers, watching the stock market news and commentaries on TV. Still, my return has been negative.

The only thing that has remained very stable and predictable is my network marketing income. Had I taken the same amount of money, roughly $500,000 and invested it into promoting my MLM home-based business would I have had a greater return? Yes.

So what about the "Rich Dad Poor Dad" philosophy of "Buy assets that produce more income?" Or more commonly stated, "Create multiple streams of income?"

As you may know, I created a prospecting tool based on that philosophy where I explain to prospects how wealth is created by investing in assets. (www.mlmbrilliance.com) So I'm very close to this subject.

However, if you listen closely to the way I stated it in the online movie, I say, "So what are assets? Well the most obvious ones are: stocks, bonds, real estate..." Then I say, "...education and businesses." I'm referring to educating yourself about businesses; whether that is your MLM home-based business or your pinball machine business.

Two common mistakes in making decisions on A, B, and C from above are:

1. Making decisions based on now vs. decisions based on future. Of course, you need to pay your bills now. They're screaming at you! Keep in mind what I talk about in Brilliant Compensation - it's not faster, (in the long run), to tie your young son's shoes than teaching him how to do it himself. If you tie his shoes for him, you silence the screaming urgency, but you're still stuck with the job, UNTIL, you teach him to tie his own shoes. When you make financial decisions, make sure you're looking at the long-term. Residual income that can be generated from an MLM business is sweet.

2. Making decisions based on "could you" instead of what "will you" do with your time, money, or attention. Example: A guy determines that it's a poor use of his time and attention to mow his own yard, so he hires the boy down the street to cut his grass. Now, what does he do with that extra time (A), and the extra attention (B)? He watches TV. Bad choice. When he was making the decision to hire the lawn boy he thought, "It's a waste of my time to mow the grass when I could be doing more important things like building my MLM business." Make sure when you free up any of the three resources you use them wisely.

Summary: My personal opinion is; invest your time, money and attention into KNOWING your MLM home-based business and become really good and profitable at it. Find and study MLM training that is proven and effective, and master it.

Continually reinvest your profit back into your network marketing business by promoting it more, that’s where the high return is. When you have a surplus of income, buy a secure investment like Treasury Bills http://www.publicdebt.treas.gov/of/ofbasics.htm, until you're ready to learn another business FULLY. By business, I'm including all investment activities as well. Then focus your time, money, and attention (from the surplus only) on knowing THAT business.

From my experience, diversifying my money has done nothing more than dissipated my focus, which has in turn lost a lot of money, time, and attention.

Tim Sales helps network marketers gain the confidence and skills to be an MLM success. Discover what you must know to become a true network marketing professional. Sign up for his free MLM training newsletter and listen to free training at http://www.brilliantexchange.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 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 Grant D. Robinson

Are you on pace to accomplish your important sales and financial goals this year?

The truth is, a good majority of US Organizations have been unable to grow their businesses this year. They are not reaching their sales and financial goals. Many have all but given up.

Is this you? Are you now looking to next year to be the year you shatter previous productivity, sales and revenue records?

It is a great idea to start preparing for your best year ever, regardless of whether you are on pace to meet your goals or not. You will need to prepare!

You have realized that it takes more than just setting a goal to accomplish it. The mere act of putting the goal on paper, sharing it with your managers, and giving the extra effort to accomplish the goal is really secondary to the preparation required.

Before you begin to work toward an objective, you must insure all of the past barriers that stood in the way of prior goal accomplishment are eliminated. If they aren't, the unfortunate fact is, you will fail to meet the objective once again… for the same reasons as before.

The following are the three keys market-leading organizations have used to grow their businesses. Consider these in order to take your organization to the next level of success.

A. Operational Systems

There are two types of systems in your organization. The first is your operational systems, including:

1. Vision & Mission 2. Financial & Budgeting
3. Production, Manufacturing & Distribution 4. Sales & Marketing

All four of these systems are in place for one reason: to efficiently grow your business. They are the standards to how your organization operates from day to day. More importantly, they are the standards to how your workforce operates from day to day.

To improve productivity this quarter and prepare for your best year ever, it is vital to analyze your operational systems. In the next month, recognize what current productivity barriers must be eliminated, what operating expenses must be reduced, what unique cultural standards must be maintained, and what marketing promises must be upheld.


B. Managerial Systems

In answering the previous questions, most organizations realize an important fact: Changes to operational systems are almost always made to improve the productivity of their workforce. But the truth is; these changes alone rarely help.

Organizations failing to accomplish their goals tend to make irrational decisions. They feel if they rewrite a vision, increase spending on technology, reorganize production procedures, or alter their marketing messages, workforce performance and profits will magically improve.

However, the opposite is usually the case. The changes usually end up harming efficiency, production and morale. The usual outcome is, those employees who performed the job they were hired to do before the changes, still do. Those who failed to produce before the expensive operational modifications, still underachieve.

The second type of system in your organization is your managerial systems. The five most important processes of your managerial systems are: recruiting, hiring, training, developing and retaining (productive employees). When you create a successful managerial system, your hiring success rate, employee motivation, and the effectiveness of your leaders will naturally improve.

To prepare for your best year ever, there is only one question to ask yourself: Why haven't we been able to hire, develop and retain TOP-Performing employees in every position.

C. Focus on People

Market leading organizations realize "people" are the key to growing a business and meeting goals. The more productive their individuals are, the more productive their teams have become.

A recent study of over 2,200 managers, by Watson Wyatt Worldwide, in Human Resource Executive Magazine found, “Of the hundreds of management functions, ‘Selecting Staff’ and ‘Retention’ are the second and third most important management functions in business today.” Recruiting was ranked fifth.

Since three of the four new hires fail to meet our expectations within the first year, managers are forced to constantly replace underachievers. Recruiting is the number one management expense in business today. Although selecting staff and retention are rated very important, they rank 36th and 44th in management effort and spending respectively.

Although executives understand the importance of Top Performers in every position, their time, energy and financial priorities have become operational. With the amount of organizations failing to meet their goals or grow their businesses, it should be apparent that this strategy just doesn't work.

Hiring Top Performers for every position in your company, the first time, is the only way to insure your productivity and profits will improve. Traditionally, Top Performers are five to eight times more productive then their counterparts.

You've probably learned the hard way; that no modification to an operational system will ever increase your organization's performance five to eight times. If you are like the most effective executives, you'll understand this and will double or triple the productivity and profits of your organization by giving your managers the tools to hire, develop and retain your greatest asset; your people.

Great customer service, work ethic, motivation, productivity, and sales success comes from employees that fit your culture, their team, and the job they were hired to do. Whether it takes developing your underachievers or replacing them with someone who will naturally produce; now is the time to focus on your people to prepare for your best year ever.

Grant D. Robinson is the President of People Values and the Author of the Market Leadership System. To improve your “Hiring Success Rate” of TOP Performing Employees, watch a free, 5-minute, on-line video at: http://www.peoplevalues.com.
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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,