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Know the Dangers of Spamming

By Graham Burt

Email Marketing can be a very effective way of getting leads or sales. In this article, Graham Burt explains the dangers of spam. How can it harm a business? It is a very important subject. Not knowing the laws of spam can indeed close down your business.

Advertise Yes, But Do not Spam

There is a big difference between advertising and spam. It is unfortunate that a high percentage of new internet business owners do not realize the distinction between the two. This is critical. While an interesting, adequately written Internet marketing campaign can help to entice new clients and have existing clients stay with you, spam is liable to distance both new clients and existing clients. This can be harmful to profit margins for a business owner.

Email campaigns can be effective tools in the business of Internet marketing. Email campaigns may incorporate mailing regular e-newsletters that contain useful information, as well as advertisements, short instructive email courses, or emails giving discounts on goods and services. Trusted clients who opt into your email list may not label these emails as spam. They may buy other goods and services from your business as an upshot of this marketing procedure. In addition, other internet users who have specifically requested more details about your products and services normally also find this kind of advertising to be useful.

Email recipients who did not ask for information are liable to see your emails as spam. Making use of email addresses is a deceiving approach and using such addresses to send out a hoard of emails will usually be considered spam. Take heed, if you are reported for spam on a regular basis, you are likely to endanger your business. Having said that, most companies will allow you to explain your actions and let you off with a warning. However, there are those who are much stricter and will just close your account.

It is in your best interest that you learn as much as possible about the laws of Spam. Many mail providers have built-in spam filters. It will automatically block certain words; stopping your marketing email from getting through. Purchasing a software program that can check your emails before you send them so that your efforts are not wasted.

Lastly, Focus Groups provide a marvelous possibility for business owners to promote their business. By taking part in a discussion, you will unearth a huge number of Internet users who probably have an interest in your market. You could consider including a link back to your website in your signature or posting the link to the dialogue. In all events, care should be taken to study the Focus Group guidelines to certify you are not carrying out anything improper. Replying to Focus Groups, you stumble on, and posting a message containing a link to your website at a time when it is not relevant to the discussion is liable to be construed as spam by other members. If they start to look at your posts as spam, they are not likely to look in on your website via the links you post and more likely, the administrators will exclude you from their Focus Group.

Banner ads are one of the utmost favorite marketing strategies, which go along with an Internet Marketing program. These ads emerge at the top of websites and they are displayed across the width of the website. It is vital to recognize how they can be overused and be labeled as spam. Randomly placing your banner ad on a few websites, which are expected to captivate visitors similar to your target market, is streetwise marketing Free Articles, placement of your banner ad on any website, which will advertise the ad heedless of the target audience, can be construed as spam.

Graham Burt is a very experienced Internet Marketer because he learned from the experts. It is well known that 95% of new online business entrepreneurs fail due to a lack of knowledge. This website: http://www.roadmap-to-millions.com has ample content provided by Internet Millionaires to give anyone wishing to be successful at Internet Marketing an advantage over most.

Asking the Right Questions

By Liz Tahir

Curt and Justin were life long fishing buddies. Now, in their retirement, together, they had taken up the art of �do-it-yourself home-improvers�. Curt decided to tackle wallpapering his living room. When he finished the job, he proudly called his friend over to see his handiwork. Justin was very impressed. In fact, he liked it so much; he asked his friend if he could get the same wallpaper for his living room. Their homes were practically identical in size and layout. Curt thought this was a great idea. Therefore, Justin asked him, �how many rolls of wallpaper he bought for the job?� Seven was the reply.

Justin went right to work and when he finished, called his friend over to his house. �Ah, man, that looks really good�, said Curt. Then Justin said to his friend, �But you know, Curt, it�s a funny thing; our living rooms are the same size, but I had two rolls of wallpaper left over! How come?� To which Curt replied, �You, too? That�s exactly what I had left over!�

Poor Justin; he asked his friend the wrong question. He should have asked how many rolls of wallpaper he needed to use for the job, not�how many rolls of wallpaper had Curt bought for the job.

Knowing the right questions to ask can have a dramatic effect on our success. Not having good information, or not getting the answers we need in doing our jobs can make all the difference in the world. What is hard to realize is that this is often of our own doing. How many times have you been surprised to learn of a turn of events and then asked your employees �Why didn�t you tell me that?� only to have they reply �You didn�t ask me.� Since it is illegal to strangle them when they say something like that, the best course is to figure out how to avoid such communication traps.

The secret weapon of power negotiators is being skilled in asking questions. Why? One of the reasons is that questions get the communication going and encourages the other party to talk, to share information with you. In addition, what you always, always, are looking for is information, particularly something you do not know. Even when you think, you know the answers, get in the habit of asking questions; at least, it will confirm your knowledge. In addition, if you have somehow missed asking the right question, the answer you require will come out, the more the other party talks, and you are talking less.

Of course, we are not talking here about hard interrogation. There is a difference between asking relevant questions and the demanding, rat-a-tat-tat fire of interrogation, as if you were the chief of police. Such action can rank anywhere from offensive to intimidating. In addition, you do not want to put people on the defensive. Asking a question like �How could you possibly have made that mistake?� will solve nothing. The person will just feel compelled to defend his actions. Something as if �What do we need to do to avoid this happening again?� is more likely to get you the answers you require. Your goal is to make sure people are comfortable about opening up and communicating with you.

Train yourself to ask open-ended questions, ones that require complete answers, not by just yes or no, but that require longer, answers that are more expansive. Questions that begin with �Why� or �What� or �Who� will tend to elicit more communication. In addition, you will have more chance of getting all the information you need.

I have a question I try to remember to ask every time an associate discusses a situation with me. At the end of our discussion, I ask, �Is there anything else I need to know?� Alternatively, it may take the form of �Is there anything else we need to discuss?� It is the words �anything else� that are important here. Once asked, I pause and wait for a reply. That is my fair warning of their obligation and their opportunity to tell me everything that is relevant to this situation. No surprises later. So get in the habit of performing this little routine. You will have fewer surprises and no one will ever again be able to hide behind the cloak of �well, you didn�t ask me� or �I didn�t know you wanted to know.�

Sometimes, we do not get the answers we need because we do not listen. Learn to be a good listener. Be sensitive to the possibility that you may be asking your associates the right questions, but not listening to them when they try to answer. Alternatively, maybe you are so fast and sure in your own thought process, that you interrupt and do not give them the opportunity to finish what they are saying before you jump in. Alternatively, you finish their answer for them. Curb these tendencies.

Listening is not passive; a good listener can take complete control of an exchange between people. When you listen well, you earn the trust of others. People come to you with their problems, and their opportunities, when they feel they can trust you to listen.

Your ears may be the receptor for the sounds you hear when you are listening, but something else about you is equally important: your eyes. If you are not making good eye contact or are continually moving around, the other person will not �feel� listened to. They will know you did not hear them. Look directly at the person the whole time they are talking. If it is a particularly long dissertation, you can look away or look down to jot a note, but only for a second before looking right back at them. When you do not maintain this direct eye focus, the person will feel that you do not think what they have to say is valuable to you anyway, so why bother fully answering your questions or coming to you with information.

Having good information is critical in business today. It is yours for the (right) asking!

Copyright 2006, Liz Tahir

Liz Tahir is an international marketing consultant, speaker, and seminar leader, whose mission is to help companies be more effective and profitable. Based in New Orleans, LA, USA, she can be contacted at (504)-569-1670; liz@liztahir.com; http://www.liztahir.com.

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How to Find a Fast Growth, High Profitability Business!

By Jim Hudson

Which company would you rather own: one in an niche industry or trade where more than half of business owners fail to make a profit, or one with 100, 1,000, even 10,000 percent growth over a period of three to five years, and stunning profitability?

Ask a group of unsuccessful business owners why their business ventures failed and most will probably cite “under capitalization.” There is often a more fundamental reason for business failure: selecting products, services and a business niche for which there aren’t enough paying customers! Of course such companies find themselves undercapitalized. In fact, one can never find enough capital to keep a company afloat if it has a shortage of customers!

Buggy whips aren’t the only product in low demand. Today, product life cycles are typically short, and getting shorter. Entering a market that has matured (and for which you don’t have a highly innovative plan to substantially increase demand, lower costs or differentiate your offering) likely will lead to financial disaster. So will entering a market that is over saturated with reasonably competent competitors.

Why do most business start-up books and business assistance specialists focus little, if any, attention on the most important question an entrepreneur will ever ask: What business should I be in?

In part, because most owners, often unwisely, have already made up their minds about the business they should start. Many entrepreneurs incorrectly assume this decision should be based largely on the specific technical skills, interests and experience they bring to the equation. Or they may know someone who claims, often inaccurately, that the business they own is a raving success, and simply decide to follow their lead. There are far better ways to plan for success.

An entrepreneur with 10 years experience working for someone else in the dog-breeding field may enjoy the work, have great technical skills, and love dogs. Before starting up a dog breeding enterprise, it is important to know that more than 65 percent of dog breeding companies are unprofitable. There are many popular small business categories that share a record of high risk and low profitability. Now, for an individual who is financially independent and for whom earning an income and a profit from their new venture is secondary, this may be fine. But few planning a new business enjoy that luxury.

Another reason most small business authors and specialists focus so little on business selection is that they know very little about the subject. Though vitally important, market research and analysis are topics most business authors, counselors, brokers and advisors have failed to study. Even some business planning consultants gloss over this key aspect of entrepreneurial success.

Our entrepreneur with the dog breeding background can use research to discover that there are many companies in the dog products and services arena that are experiencing dramatic growth. One sells dog biscuits containing only organically grown ingredients via category killer pet stores. A franchise operation teaches dog owners to manage their pets’ behavior, anxiety and frustration using behavioral science methods. A third company offers health insurance for dogs. Dogs bred and trained for explosives detection are also in high demand. Many of our dog breeder’s skills may readily transfer to an enterprise in such a niche area, where with thoughtful research and planning, opportunities for success should prove far better than those for a risk-plagued breeding business.

Does this mean no one ever succeeds in dog breeding? No, but entrepreneurs seeking high income and growth know which odds to defy and which to respect.

How do successful entrepreneurs brainstorm and research high demand, low competition, and highly profitable business ideas?

Many start by listing and analyzing their skills, interests and competencies. But they don’t hesitate to apply these broadly to business ideas they consider. For example, management experience is often transferable to many industries and niches.

Smart entrepreneurs also search for screaming success stories. More than a dozen business publications, including Inc. Magazine, Business Week, and Fortune, rank the fastest growing large and small companies in the U.S. Some target hot growth businesses in Canada, Europe, South America, Asia or other countries and regions. Deloitte Touche Tomatsu ranks companies with growth as high as 20,000 percent across the globe. Links to these high growth companies’ websites are typically listed, too. There are similar ranking sources for top selling products.

When an entrepreneur identifies a company growing as fast as 5,000 to 20,000 percent every three to five years, he or she considers how a new company might partner or piggyback on that white-hot growth. They may slice off a niche, or become a supplier, dealer, representative, distributor or reseller. They brainstorm ways in which their own new company can tap into this hyper growth. When I-Pods exploded on the scene a few years ago, smart entrepreneurs recognized the concurrent demand for accessories, and moved quickly to respond with highly profitable new products.

Wise business owners also study broad, societal trends, as well as trends within narrow industry and customer segments. They learn from futurists (management science consultants, about diverse global trends, risk management and emerging market) opportunities. Some of the best known futurists are Faith Popcorn, who wrote Clicking, Alvin Toffler, author of Future Shock, and Patricia Dixon, whose website, globalchange.com, is read by thousands daily. Books, magazines (especially industry and trade publications) and websites offer a myriad of free and low cost on trends and the future.

After homing in on a handful of rapid growth industry niches, the entrepreneur’s market research efforts continue with searches for market analysis reports targeted to those niches (many are free and available from your public and university libraries). Successful owners also gather statistics on the product or service and its potential target customers. Much of this data is available from the U.S. Bureau of the Census, the IRS, the U.S. Department of Labor, the U.S. Commerce Department and other federal agencies. Private sources offer data, too, usually more targeted, but at a price.

Available information includes national, state, county, city and other geographical area statistics on income, total wealth, gender, age, ethnicity, employment, number of companies in the same product or service category, number of stores per company, square footage and square footage costs per store, profitability of companies in the trade or industry, risk of failure, and benchmarking data (typical income and itemized expenses for companies with revenue comparable to your firm’s anticipated revenue), and more.

This information is recorded, logged, sifted and analyzed to determine the prospective niche’s and your company’s strengths, weaknesses, opportunities and threats before being incorporated into the owner’s business plan.

You’ll be amazed at how quickly you can build a wealth of information around one or two of your own favorite, highly profitable business ideas.

Before you race down to register your business name, complete a IRS form requesting an Employer Identification Number, or run to the store for office supplies, ask yourself this question: Am I satisfied that I’ve found a high demand, high profitability business, with costs I can control (or even cut below the industry benchmark), in a low competition niche that is suitable given a broad application of my skills, interests and experience?

Once you have a well-researched, positive answer to that question, you’ll be ready to realize your own screaming small business success story.

Jim Hudson began his research and writing career in 1969 as a Green Beret Magazine report-photographer in Vietnam. His firm, Blue Ocean Company, helps small business owners identify and exploit blue ocean markets (high demand, low cost, low competition, high profitability business opportunities), and develop their business and marketing plans. The Blue Ocean website, http://www.blueoceanstore.com lists over 50 links to sites that rank fastest growing companies, fastest growing new franchises, and top selling products. It also lists and links you to brainstorming tools, risk and profitability data, trends and futurist resources, free market research reports, and keyword niche-finding software. Most resources are free.

My Number One Internet Marketing Strategy (For Producing an Online Income)

By Titus Hoskins

Here is my number one Internet Marketing Strategy for producing an online income. It is so simple it actually works! Discover how this one marketing technique can also help you succeed online and work from home...

I am often asked, "How does one start an Internet Income?"

"Where do you begin? What do you need to start?� In addition, these questions are often followed by, "How did you get started?� These questions are popping up more often now as my name and sites become better known. However, I still get some very skeptical looks whenever I mention I work full-time on the Internet. For many people the Net is still a place chock full of 'quick-rich-schemes' and 'con-artists', where someone is ready to rip you off at the very first opportunity.

Of course, the reality of working on the Internet could not be further removed from this unflattering image. In my case, I make it a point to only deal with top name companies such as Dell, Sony, Toshiba, Amazon, Apple, Google... or top web marketers with solid reputations such as Marlon Sanders, Neil Shearing, John Reese, Ken Evoy...

In addition, I quickly learned Money Talks! It does not matter who you are, where you are operating from or how small or big your online sites/activities are, if you can generate through your online marketing efforts monthly sales in the 100-200k range for any company - you will be noticed. And your sales don't have to be in that price range, if you can generate any sales through your web site or sites, you can start to build a business online and work from home.

I come from a background in art and education but nothing compares to working on the web from the comfort of your own home. The freedom is very liberating. Once you start earning a nice income here, there is no going back. Money talks in many ways! However, how do you get started? How do you begin? I believe my own very modest success comes from one simple strategy. It has to do with learning, more importantly; it has to do with HOW we learn.

One key strategy I have learned and it is quite simple: always learn from the inside. Get as close to the source as you possibly can. No matter the field or subject area, get as close to the real experts in that field as you can possibly get. It is something all artists do instinctively! This very simple strategy has proven to be very effective for me. There is no reason why it cannot also work for you.

Here is how it is done: instead of buying the latest marketer's info product/ebook/webcourse... you join their affiliate program first! You will receive marketing information, countless free audios/training materials on this marketer's products and methods. You will get the inside information on how these marketers operate and how they are working the Internet.

You will also probably receive great discounts for any products that you do buy. You will receive updates, invitations to web seminars, free promotional material, if you are well known, or are a valuable affiliate, you will receive free copies or products to review.

What is even nicer, once you start generating sales, this affiliate relationship often develops into a personal relationship with the owner or company. You get to know the owner or the affiliate manager on a personal level and this opens many doors for other business opportunities.

This simple strategy works great. I apply it almost every day in my own marketing and even in my own life. For example, around each New Year, everyone is talking about making resolutions and setting goals, both for their businesses and in their personal lives. It is an important topic. I wanted to learn more.

As I make it a point to seek out the top person or person in any field, I wish to learn about (in this case) goals or goal setting. The name that immediately came to mind was Gary Ryan Blair. He is known as the GoalGuy! What more can you ask for? Gary Blair has made goals his business.

He also has an excellent affiliate program, which you or anyone can join. In addition, by joining Gary Blair's affiliate program, you will receive valuable information on goal setting and strategic planning from the inside, if you really want to learn about Internet Marketing, how to build websites, how to earn money from the web... just find the Top Guy in that field.

My suggestion for the top person is Ken Evoy.

Ken Evoy, of SiteBuildIt and Make Your Site Sell fame, is the perfect person for learning about the whole web marketing game. One of the best ways to learn what Ken knows is to join his affiliate program first! You get tons of free marketing info and products. You will learn how his system works. You will also learn how Internet Marketing really works.

Perhaps the main reason I chose SBI is its great online community. If you want to succeed at something, you must 'hang-out' with people who are succeeding in that particular field. Might sound a bit simplistic but there is more truth in this philosophy than most people realize.

If you want to be a jackass, associate with other jackasses! If you want to be a millionaire, associate with other millionaires! If you want to be an Internet marketer, you must associate with other Internet marketers! It is kind of a no-brainer but many people do not do this. I repeat, if you want to be a web marketer Article Submission, you hangout with web marketers and learn from the inside.

A simple Internet marketing strategy works, one that has served me well as I continue to build my online business. This can also work for you.

The author is a full-time online marketer who has numerous niche websites, including two sites on Internet marketing. For the latest and most effective web marketing tools try: www.marketingtoolguide.com For the latest Internet Marketing Strategies go here: www.bizwaremagic.com 2007 Titus Hoskins. This article may be freely distributed if this resource box stays attached.

How to Approach Affiliate Marketing

By Ove Nordkvist

How should you approach affiliate marketing to give yourself the biggest chance of success? Is it possible to make big money as an affiliate marketer? If so, is it difficult?

Well, many people make it difficult by choice. Here are a few things to keep in mind.

As in any business, it is very important to have a solid business plan. Creating and executing a detailed plan can be the difference between a growing bank account and a failure.

It makes no matter if you are going to promote a service or a product. You must be 100% certain, that the company is able to deliver as promised. It has to be a prior issue for the company, to satisfy your customers. You must be convinced that the company will support you in any way to achieve affiliate-marketing success.

A major part of your research and evaluation of companies and products must be for you to try the products or services for yourself. You have to rate them objectively.

Would it be possible for you to recommend them to your friends and family? Be honest, would you recommend them just as a favor? You cannot successfully promote anything of poor quality.

The next important step in your investigation is to find out the success rate of the company. You need to get information from affiliate marketers that already are associated with the company. Did they get all the necessary support? This is essential, if you cannot get full support from the company, you will have a steep hill to climb.

Affiliate marketing is a business where you have to connect with your visitors. Therefore, you must develop your writing skills. You have to get your visitors to trust you. Once they trust you, they will follow your recommendations.

This is what successful affiliate marketing is about; you recommend a product or a service, which you have tested and evaluated. You convince the visitor that he needs the product or service, he click at your affiliate link, and then the merchants do the actual selling.

Now you are set up to begin your new affiliate-marketing career. It is wise to give yourself some more preparation. Read everything there is to read about the company. Learn everything about the products or services.

Get some books and courses on how to start your own business.

Affiliate marketing is a serious business. You have to treat it just as you would a traditional business. That is, if you really want to succeed, and make a serious income from your business.

Take advantage of Ove Nordkvist's knowledge. At http://www.small-biz-ideas.net, you will find free tools, free business courses, and informative articles. Visit http://www.small-biz-ideas.net/affiliate-marketing-ideas.html to find an affiliate marketing ideas tutorial. Get your complimentary copy of an affiliate masters course.

The Fortune That Lies Behind the Entrepreneurial Curtain

I think illusionists have incredible talent. The things they do with handkerchiefs, rabbits, eggs and of course - the disappearing acts – will leave you spellbound and amazed.

One of the most amazing illusionists I ever saw was a married couple who go by the names of “David and Dania”. During the act, they switch costumes several times and Dania even switches her hair color. All of this is done behind a screen with “fluttering brightly colored cloths and falling confetti” – and in a matter of mere seconds!

To insure their patented techniques remain top secret, they never let their costumes out of their sight.

You know, the top selling “gurus” have a lot of entrepreneurial talent as well. The things they do to bring in $1,000’s and even 10’s of thousands of dollars a day have certainly left me spellbound and amazed. But there’s a big difference between the illusionists and the “gurus”. You see, the “gurus” secret is out and it’s something known as “back-end sales”.

Now just so you understand what that is, let me share with you a short explanation. In general, it’s very difficult to gain a customer and when you do, it’s a lot easier (and cheaper) to sell them additional products then to acquire a new customer. When you sell additional products of a similar kind to an existing customer, it’s called a back-end sale.

These types of sales are not only easy but incredibly lucrative as well. Some of the techniques these “back-enders” use are:

Giving their affiliates 100% commissions in order to gain 1000’s of names for their lists. (Remember – the real money is in the list)
Grabbing the attention of a visitor one last time as they’re leaving their site with a compelling offer.
Using a free offer to drive people into a newsletter for lead captures and then using the newsletter to “upsell” (sell them a more expensive product).

Entrepreneur Jeff Dedrick has gathered together 20 elite marketers (including himself) that “spill the beans” about how they generate these humongous back-end sales. To see what the buzz is all about, check out tinyurl.com/24kyme

Go behind the curtain now – and see for yourself!

______________________________________________________________________________

Marsha Sneed reviews quality business opportunities and online resource tools that can be used effectively by newbies and experienced marketers alike to reach their marketing and financial goals. She can be reached at jcsneed@onebox.com.

The Basics Of Podcasting

by Madison Lockwood

Podcasting in its simplest form is the uploading of MP3 files to the internet, where they can be accessed by the majority of the online universe with little more than a modern browser. You might consider a podcast to be an audio blog, although podcasts are basically standalone units of communication and not limited solely to “audio.” The term is also applied to short video pieces that are uploaded for general consumption; that is becoming more common, but the term was born as a reference to the audio format. Although the term stems from Apple’s iPod line of products it is generic in nature and refers to any MP3 (and increasingly, video) file provided via one Internet channel or another.

To that end, the number of channels that are now using podcasts is nothing short of phenomenal. They are used in educational formats (distance learning programs) and by the mainstream media. Business Week Online is an example of excellent utilization of the format. They provide professionally conducted interviews with both news makers in the business world and with experts on topics like developing technology. It is both an extension of their current events function and the features section of the magazine that focuses on broader industry analysis.

Every major news outlet online – ABC, ESPN, Fox, CNN and so forth – use podcasts to augment their print-and-graphics webpage formats. You can find them on political websites and blogs, often carrying the candidate’s message but more often carrying the opponent’s gaffe. This particular phenomenon has led to the practice of campaigns hiring “trackers” to trail their opponent from public event to public event with a video camera, hoping to catch a misstatement, a contradiction or some sort of unfortunate occurrence that can be distributed via the assortment of political websites and blogs that clog the web today.

You can now “subscribe” to podcasts that are delivered via an RSS application automatically to your computer. “Pod-casters” are individuals or information distributors of some sort that provide an ongoing series of podcasts. Podcasts very quickly found their way to the marketing and advertising industry, which as adopted them for widespread use on the Internet. Video podcasts in particular have become the most recent form of “pop-up” advertising on the web. You can be clicking through a commercial site and suddenly you are watching a commercial.

The proliferation of podcasts that are web casts of mistakes, poor behavior or just plain foolishness began with people in the public eye but now extends well beyond the currently and formerly famous. Because these snippets of audio and video are so widespread and move across the digital network so quickly, one begins to feel uneasy. What if someone catches me falling off a bicycle and thinks it looks funny enough to share?

When email entered our society, it provided a screening device to communication that was somehow comforting. Podcasts and to some degree the whole social networking phenomenon create the opposite effect. It’s easy to feel exposed, regardless of the fact that you’re still one person using one computer.

For a technical explanation of the various methods of podcast delivery, take a look at http://en.wikipedia.org/wiki/Podcasting. They provide an excellent and extended explanation of the various software options and delivery choices that you can make in allowing podcasts into your life. For a fairly comprehensive directory of podcast feeds and sources, try http://www.podcast.net/. As a good resource for news in the podcast universe and also for a directory, there’s http://www.podcastingnews.com/

Madison Lockwood is a customer relations associate for http://www.apollohosting.com. She helps clients understand how a website may benefit them both personally and professionally. Apollo Hosting provides website hosting, ecommerce hosting, & VPS hosting to a wide range of customers.

Rules Of Social Media Optimization

by Justin Brooke

Before you can put any of these rules to use, you may want to understand a little more about the differences between social media marketing and social media optimization.

SMM = Social Media Marketing

Social Media Marketing is strategically using the big social sites to spread your brand name or drive traffic back to your web presence.

SMO = Social Media Optimization

Social Media Optimization is adding key elements to your websites or content that make them easy to spread across the big social sites.

Rohit Bhargava Developed Social Media Optimization Rules 1, 2, 3, 4 and 5.

1. Increase your linkability

Linkability is the willingness of other websites or articles to link back to your site. One way to increase your natural Google listing is to increase how many authority sites link to you, so to increase your linkability with social media optimization is to make your site more informative and useful to others. You can do this in many ways; blog, white papers, press releases, keyword targeted articles, RSS feeds, etc. This is the most important step in Social Media Optimization and should be your first priority.

2. Make tagging and bookmarking easy

The act of tagging is to bookmark the website to social bookmarking websites. For example, if you like the content or services provided at a website, you tag it. This will show others that you approve of this site and they will check it out, making viral traffic. To include social media optimization tagging on your site, you can add tagging links such as Digg, Del.icio.us, Technorati, etc. Also, add the tagging links to other pages in your site (not just the homepage) and when visitors click the tag button, make sure that there is a suggestion box to help your visitor list a relevant tag as well as notes.

3. Reward inbound links

As I mentioned before, one way to increase your natural listing with Google using social media optimization is to get more back links. You can do this by rewarding people/websites that link to you (inbound links). Inbound links are links that send people to your site from somewhere else. One way to reward people for linking to your site is to have a �Recently Linked� section that lists all of the websites that have linked to you.

4. Help your content travel

Social media optimization focuses on providing useful content to your market. When you publish content such as an article, video, or audio file you must help it reach as many people on the web as possible. You can do this by submitting to relevant high traffic websites. When the word gets out about your great content (no matter what format) you�ll receive backlinks to your site.

5. Encourage the mashup

To mash up is to use two websites' content and mash them together. For example, YouTube makes it easy to mash their content (videos) onto your site. In addition, because it is so easy, you have added a video to your site that has a Youtube logo on the video as well as a link back to YouTube. So to encourage a mashup with social media optimization is to make it easy for other websites to use your content and reference it to drive traffic back to your site.

Jeremiah Owyang Developed Social Media Optimization Rules 6 and 7

6. Be a User Resource, even if it doesn�t help you.

One thing all visitors appreciate is honesty. With social media optimization, you should include links to other websites that will help your visitor reach their goal or find the information they want. Do this, even when it doesn�t benefit you. By linking to competitors or information not created by you, you reap the benefits of having the all inclusive information on a particular topic. In the end, more people will link to you because you have lumped all information (or links) on a topic in one location.

7. Reward helpful and valuable users

Valuable users are your best friends. A valuable user can be determined in many ways; they may send traffic to your site, add valuable content to your site, or assist visitors at your site. No matter what they're doing, if it benefits you, your site, or your service, you need to reward them. This could be by sending a personal message thanking them for their dedication. Other ways to reward your valuable users is to create a rewards systems, advertise for them or promote their efforts on your homepage.

Cameron Olthuis Developed Social Media Optimization Rules 8, 9, 10, and 11

8. Participate

With Social Media Optimization you can participate by joining on the conversation about your topic (or targeted keyword). Simply posting articles and sharing content isn�t going to keep the buzz going. You should continue to share information on other websites. This participation will share your knowledge with more people. One way to do this is to find people that are blogging on your topic and to give input on the conversation. Also, participate in forums or other social groups that are discussing your topic. Read comments on your articles, videos, and audios and respond to them.

9. Know how to target your audience

Social media marketing is about sharing content/information. Not everyone is interested in your topic, so be sure to do your marketing research and post your information and knowledge where it will be understood and appreciated.

10. Create content

Content is considered to be any form of information that benefits a visitor. Content can be a white paper, article, video, audio, widget, etc. Your job is to find a piece of content that will spark interest in visitors. No matter what market you enter, there is always a form of content that they will share with others. Find out what it is and give it to them. This will, in turn, have them coming back for more useful content. If this happens, then you know that your social media optimization is successful.

11. Be real

Internet users are searching the web for specific content. If you are providing content that links back to a website, be sure that the website is relevant. You will not be rewarded for coaxing a visitor to a site that has nothing to do with the content they just read (or watched, depending on the type of content you provided).

Loren Baker developed Social Media Optimization Rules 12 and 13

12. Don�t forget your roots, be humble

It�s easy to let popularity get to your head. When you become the shining star in your market be sure to recognize those that helped you get to the front of the pack (this ties into #7 a little).

13. Don�t be afraid to try new things, stay fresh.

Anyone on the internet knows how quickly things change. Keep up with new media content, new types of websites, and new interests in your market. By staying on top of new information you can maintain top rankings.

Lee Odden developed Social Media Optimization Rules 14, 15 and 16

14. Develop a Social Media Optimization strategy

Social Media serves multiple purposes. You need to identify what your purpose is and then publish content that will promote that purpose. Some purposes for Social Media Optimization include: branding, reputation, charity, increased traffic, increased sales, credibility, etc. Make sure that as you develop content that you are publishing and creating with that purpose in mind.

15. Choose your SMO tactics wisely.

Of all the content available on the web, only about 10% of people on the web are content creators. The other 90% are consumers and are willing to share your content. Make your content easy to consume and spread. Also be sure to create content that will have the most impact on your original purpose.

16. Make Social Media Optimization part of your process and best practices.

We all know that there are specific Search engine optimization tactics that every website should include. Just as you include keywords in your title tags and keywords in your H1 tag, you should find ways to include social media optimization aspects into the building of your website. This can be small details like including social bookmark tags on your site or encouraging incoming links with the �Recently Linked� list I covered in #3.

17. Don't be afraid to let go of a message or idea and let others own it.

Finally, when you create a movement, spark an idea, or develop a new topic don�t be afraid to let others run with it. Collaboration is key. Others can improve upon your original idea and give you credit for the start. Be sure to give credit where it�s due.

Justin Brooke started with just a $2/day marketing budget and grew his business past 6 figures in just 1 year. At just 25 years old he has been Vice President of a multi-million dollar company and nominated "Best Marketer of 2007" by the American Business Awards. Justin's award winning [http://www.mpyremarketing.com/free_lead_gen.html] social media optimization company wants to handle your [http://www.mpyremarketing.com/free_lead_gen.html]social media marketing needs.

Using Your Web Stats to Sell

By Aviva Brown

After you have a website, you start to learn a lot of tips and tricks for doing business on the web. One of the best marketing tools you have is on your server, and you would be amazed at how many people don't use it. That tool is your website statistics. If you have never examined your web stats before, you are missing a real gold mine of information. They are usually found in the control panel section of your web hosting company. Most web hosts will email them to you if you can't access them yourself.

Learn Important Pages Viewed Information

You are most likely familiar with your "hits" on your web stats for finding out how many people have visited your website. Most stats programs will not only tell you how many visitors you have had to your site, but what pages on your website they visited, how long they stayed on a particular page, and what page they last viewed on your website before they surfed on.

Valuable Keywords and SEO

If you're interested in search engine optimization for your website and you aren't sure what keywords to use for your site; there is usually a section in your web stats file that shows you what keywords a person entered to find your site and what search engine they used. You can put those keywords around your website on various relevant pages to increase the search engine optimization of your site. That will not catapult your website to the number one position on Google overnight, but it will increase your rankings if done correctly.

The Magic of Referrers

Another great feature is the referrer section. Know what sites or search engines are referring your website visitors. Referrals can come from other websites, news groups, clubs and forums, or even competitors - if people are being referred to your website, find out by whom. In many cases, someone who had a great experience with your firm will be referring your company to someone on a message board that is looking for a similar product or service.

Use Your Web Stats

If you notice people are leaving within a few seconds of hitting your index page. Look at it in a few different browsers because they are not all created equally. What loads like a champ in Internet Explorer may look like garbage in Firefox or Opera browsers; or it simply may take too long to load. If you notice people are leaving at a point in your shopping cart - either your shipping is too high or your program may be faulty. Find out what items are getting the most looks and promote those to bring in more visitors.

Now that you know how your web stats can work for you, jump-start your Internet business today.

Aviva Brown recommends that you promote your website by submitting it to http://www.avivadirectory.com/.

How to Boost Your Business With Testimonials

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

Choosing The Best System For Managing Your Website Content

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.

Business/Product Publicity: Market To The Media First

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.
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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

Year-end Health Savings Account Tax Strategies

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.

Is Your Sales Letter Too Long Or Just Plain Old Boring?

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.

Getting the Most Return from Your Sales Time Investment (ROI)

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.

When to Develop Multiple Streams of Income

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.

Business Start Up Funding Silver Bullet

By Wil Schroter

Business Start Up Funding

Startup companies often get frustrated when they are unable to find investors willing to fund their new idea. They don’t realize, that in order to get an investment, they need more than just a good idea and the promise of future profits. What investors are looking for is a “silver bullet” in the business that ensures their small investment will yield a huge return.

Business Start Up Funding - You Need a Silver Bullet

The silver bullet is the aspect of your business plan that proves your company is able to grow quickly. For example, you’ve proven that 100 customers are willing to pay $99 for your newly developed product. To sell more at that price, you’ve got a silver bullet, if all you need is additional cash to build 1,000 more items.

Investors are compelled to make investments in startup companies that have proven some aspect of their business model “works” and that what they really need is more capital to make it work better, or to sell more products.

When entrepreneurs wander around in search of business start up funding to find the silver bullet in their business plan that becomes an unattractive proposition. In this scenario, you’re asking an investor to put money into a treasure hunt, not into a business. Until you demonstrate you can sell something (at a profit), you do not have a business worthy of investment. Therefore, you need to re-focus your efforts on finding your silver bullet.

Investors Love Paying Customers

Every business model is different, and as a consequence, the silver bullet of one business may look somewhat different than another. The common thread, however, is that each of them shows your investors, you have found a facet of your business that works well and simply needs business start up funding to be exploited.

A great place to start is with paying customers. Even a few customers create proof that there is an active buying market for your product that could be even bigger, if you had the capital to reach more of them.

Notice, you’re not telling an investor, “if we build it, they (customers) will come”. What you want to say here is “we built it, and they already came”. This puts you in a much stronger position to suggest that if you are capable of repeating the process provided, you will have more business start up funding.

Understanding Conversion Works, Too

Maybe you don’t have 10,000 paying customers but have found, on a more modest scale, that for every $1 you spend in marketing, you can earn $2 back. This information is a silver bullet, too. In this case, you’ve proven that you understand how to acquire a customer for less than they are spending, which is a big deal!

This may seem like an obvious necessity for any successful business (let alone one looking for business start up funding), but there are plenty of companies that overlook this point. If you haven’t proven that you can profitably acquire a customer, perhaps this is a good place to start.

Analyze the costs involved in acquiring your first batch of customers. Try to project this cost out to the next round of new customers and the round after that. Try this for those next customers and see if your results match up with your predictions. Once you feel comfortable that you understand your cost to acquire customers, you can begin to identify specific capital needs to accelerate that process.

Speed Things Up

Speeding up time can also be a good reason to ask for business start up funding. If you find that it takes you two months to service a customer now, but with additional capital you could service a customer in two weeks, (and therefore earn revenue in a shorter time) you’ve found another silver bullet.

Investors are always hungry for businesses that could be even more profitably, or grow faster, if just a little more capital was applied. Creating a strong case for this use of capital will make it easy for investors to understand your needs.

Read, Aim, Fire!

Perhaps you only have one of these silver bullets ready to present to investors. That’s fine, as long as you have prepared a strong argument for why this one single factor will have such a great influence in your growth.

Presenting your case to investors isn’t about coming up with as many reasons for investment as possible. It is not about quantity. It’s about quality. What you need to demonstrate is that you have key factors in your business that have a demonstrated track record for growth, but you need capital to accelerate that growth.

If you’re in the process of raising business start-up funding right now, step back and take a second look at your PowerPoint presentation. Does it clearly articulate the fact that you know how this investment is going to ramp up the value of your startup? If not, try taking another pass with the focus on finding your silver bullet. That’s the type of ammunition your investors are really looking for.

About The Author
Wil Schroter is the Founder and CEO of the Go BIG Network, the largest network of startup companies and entrepreneurs. He is also the author of the new book “Go BIG or Go HOME”, download it for FREE at http://www.GoBIGnetwork.com.

Get your business start up funding at: http://www.GoBIGnetwork.com.

Credit Card Fee Increases

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

Starting a Business

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.

The 5 Biggest Customer Service Blunders Of All Time

By Paul Levesque

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

First Blunder: Making Customer Service a Training Issue.

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

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

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

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

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

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

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

Fourth Blunder: Reserving Top Recognition for Splashy Recoveries.

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

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

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

Fifth Blunder: Competing on Price.

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

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

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

Copyright Paul Levesque. All Rights Reserved.

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

Finding the Right or Wrong Credit Lenders

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.