Home Business The Easy Way - WSa Update http://www.blogmoneymiracle.com en-us EasyRSS
By Scott White

Google's Internet search Branding is so strong that we forget how big a player it is becoming in the world of advertising markets. Even when we read the latest forecasts about its growing success, we tend to think exclusively about Google's online brand image. That powerful brand image tends to hold back what Google is becoming. It means they will need to consider changing their brand identity, a common problem for companies today who must navigate changes in business direction amid turbulent market changes. Google is so versatile now, that it offers a huge range of services and advertising opportunities. Advertisers can almost take it for granted that their advertising will hit the right target market and the right up-to-the-minute brand impression will take place.

Google is Everywhere

According to one Sash's analyst, Google is poised to serve 6.1 billion dollars worth of advertising in the coming year. This makes it fourth among American media companies in total ad sales after Viacom, the News Corporation, the Walt Disney Company, and ahead of giants including NBC Universal and Time Warner. The Google growth needs to be recognized. It is not going away. This company has the revenue and capital resources to grow and consume other competing media giants. That means Google Adwords will become ubiquitous. It is not beyond the realm of imagination that they will show up on television or DVD movie rentals. Anything is possible for Google. As the company ventures into new offline advertising mediums, the Google Corporate Branding will evolve and lose its "Web only" image.

Getting into Goggle's world is an intelligent investment in your company's future. Most companies could benefit from exposure on Google whether in paid ads via Adwords, or through organic search listings (search engine optimization). In addition, you receive all that brand exposure!

Sadly, most do not. There could be a number of reasons for this. Foremost, it is likely that corporate marketing managers have not explored the value of search marketing (search engine optimization). The market share numbers are still small, so they do not devote much time to it. A lack of familiarity and understanding of search marketing is another reason. The realm of search marketing is new and is slightly different from the usual advertising buy. It is more complicated, and requires more strategy. It can take some time for results to show through in organic search engine marketing. Those with patience can do very well, but patience seems to be at a premium today.

The success of some companies in search marketing is well known; Internet.com has built an empire on traffic from search engines. Yet this does not seem to matter to business managers. They still do not believe search can make a difference in their bottom line. Often, they think only about online sales, and see channel conflicts or 1% conversion rates, and then dismiss the whole thing as a waste of resources.

The truth is, ultimate consumers, B2B buyers, and purchase influencers use Google everyday and it is becoming critical to their method of finding relevant products and services.

We see clients receiving visits to the Web from organic search optimization campaigns that dwarf what they receive from print or TV advertising, and at a fraction of the cost. In addition, these are high quality visits from very motivated prospects and here is the kicker... because you come up in the top 10 in Google you become an authority. That is right; your prospects automatically trust you because they trust Google. They may purchase offline or via telephone, but most of them research their purchase online before making the purchase decision. Real sale conversion rates might be from 3% to 20% of visitors, depending on the offline availability of products. For national manufacturers and retailers, the end sales benefit is overwhelming. The ROI is unequaled. Let me say it again, UNEQUALED! It can power up promotional marketing campaigns as well.

Let us not forget that there are indirect ways of getting to consumers as well, such as, other Web sites where promotional advertising can be placed. Often manufacturers can launch their own Web sites and find they have far better control of their marketing and acquire better marketing information than if they rely on an ever-diminishing base of distributors and retailers.

Although Google's success is new and even threatening to traditional marketing, major retailers, manufacturers, and distributors have to take it seriously. There are many creative and innovative ways to use Google for promotional marketing. It can bring prospects to an interactive Web site that captures the imagination of the prospect and motivates them in ways not possible through other advertising media.

Search engine marketing then, is just the beginning of a rich stream of targeted prospects. Google is growing and it represents a revolutionary opportunity for your company. Master this new medium early and your company will prosper for the next twenty years.

Scott White is President of Brand Identity Guru a leading Corporate Branding consulting and market research firm located in Boston, Massachusetts. Brand Identity Guru specializes in creating corporate and product brands that increase sales, market share, customer loyalty, and brand valuation.

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By James Saunders

Did you know that you could dramatically increase the number of visitors that come to your site on a daily basis from Google?

Web Content (Mass + Keywords) + Links = SEO

Image Text or JavaScript?

Question: Navigation is based on images, again if these are images of text?

Answer: Search engines obtain links very considerable, and only read text. They like to match the topic of the target page to the text in the link that pointed to the page. Avoid JavaScript.

What to do? Use text only navigation. The text and containing elements can be styles with CSS to set them up, look like images, give a background image, or at least rearrange them to look a little fancier. The optional is to ensure that there is some text based navigation elsewhere on the page.

Gains: Search engines will be able to match the topic of the target page with the reputation (link text). A higher relevancy is better. Ensuring there is text on the page will also help the visually impaired who use text only browsers, in conjunction with Braille output devices, or text to speech software.

Links and Link Relevancy

Question: You want many links to your website?

Answer: Although links may be great for visitors and search engine spiders, the true appraisal of the link may not be fully clear to you. Visitors are unlikely to click on irrelevant links and search engines hate them. Reciprocal links, (you link to me, and I will link to you), can be of use when associated, but carry less weight in the search engines than one-way inbound links.

What to do? Avoid link farms (pages of links, for the sake of links), treat reciprocal link requests with anticipation and stay associated.

Gains: Spending time and thought on your link profile will ensure natural growth of links. Search engines hate anything that looks artificial, or anything that could be interpreted as 'Search engine Trick'.

Duplicate Content

Question: Webmaster copies content from another website, or sets up numerous sites, which are identical, or very similar. Does this mechanism work?

Answer: Search engines apply echo content filters to the search results. Although the idea of increasing the market share is a bona fide idea, a thousand similar sites is not the way to go about doing it. Efforts put into the secondary sites will be forfeited.

What to do? Endorse all of the pages so each of your sites is unique. Querying a search engine for an exact match of long strings of text will show you, if the content is bringing up elsewhere. If a webmaster does have facsimile pages and wishes to avoid any penalties or filters, the webmaster must choose one page to have the other identical pages redirect to. Redirects are covered later. You may also use random RSS Feeds that are mixed before they show up on each page. The RSS have the ability that they always have fresh content, but only if you mix 3 or more RSS feeds, you will get a unique result and not what all the other sites have that are using the same RSS feeds.

Gains: Your efforts are not wasted; time and money can be saved. Always-Fresh content from the RSS Feeds.

Numerous Sites

Question: Following on from identical content, there are numerous sites. A single webmaster has a certain number of closely themed sites, all inter-linked and hosted on the same IP address.

Answer: This is seen as search engine Frame-up, the linking structure and numerous sites just are not natural. Penalties can apply.

What to do? Such site structures can work if set up properly. This means that each site must reside on its own IP address where, at least, the C class is different. IP address is covered later.

Gains: Increased market share, effectively linked and spiderable sites, no penalties applied.

Unfriendly URLs

Question: The URL (web address) of some of your sites pages look like domain dot com/product.php?id=2346&category=665&sid=f29a3483270cc10b3783706916216e3a

Answer: Search engine spiders are getting better, and following, and indexing these form of URLs, but not all of them. The spiders are scared of being caught in an endless loop of identical pages with 1000s of different URLs. They are also off putting to your site visitors who could surely remember mydomain dot com/products/cars/boostvalves.

What to do? Use Search Engine Friendly URLs. If you are running the Apache web server on Linux enabled server use mod_rewrite to translate the URLs into something nicer.

Gains: Higher chance of being indexed by more of the search engines, keywords in your URL, higher chance of being clicked on in the SERPs

Redirects

There are two main redirects, based on the HTTP specification

301 - moved permanently

302 - moved temporarily

You should use 301 redirects wherever possible. This can be done in your server side scripting, eg

Code: php

header("HTTP/1.1 301 Found");

header("Location: w w w newdomain dot com/");

redirects can also be set up in your .htaccess file, if you run the Apache web server

IP addresses (C class)

IP addresses are the numerical addresses of computers connected to the internet. For ease of reading, they are broken down into four parts, each called an octet as they contain 8 bits of data when written in binary form. An example my be 62.85.68.114. in this case, the C class is 68 (and everything up to it), so if you have a few sites hosted on this IP they would all have identical IP addresses. If each had a single IP address that started 62.85.68. then they all share the same C-class IP address. As the allocation of IP addresses within a server involvement is usually configured so that each server has it's own C-class; this means that a search engine knows that all sites on the same C-class IP address are all located on the same server

Your competitors might not be standing still; neither should you.

James Saunders is the owner of TrafficBoosterPro, the SEO software which makes Unique Content pages Quickly and Easily! Software that bring massive Traffic from RSS Feeds in AutoPilot, now in it's 2nd revision at http://TrafficBoosterPro.com.

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By Hasnuddin Hamdan

(c) 2007, EMarketSociety.com, Hasnuddin Hamdan

If you are retired, it does not mean your days of making money are over. Sure, you will be getting money each month from different sources such, as a pension plan. However, pension plans can hardly cover living expenses, nowadays. Coupled with longer life expectancies, you will probably need to do something to have sufficient means for existence. If you have to work after retirement, why not go for the jugular and get rich?

The bottom line is you retired. It does not mean that you cannot cash in on the Internet trends that seem to pop up repeatedly. Anybody can easily obtain access to the Internet. In addition, if you can access the Internet, you can make money; it is that simple.

The first thing you will need to do is learn everything you can about making money online. The best way to do this is by going online! The Internet is quickly becoming the best way to make money, no matter what age you are.

Your next step, find an online opportunity you are comfortable working with. Do this in several different ways. One of your best options may be to get involved with an online venture that corresponds with the job you used to do before retiring. This way you will have some knowledge of what it going on, which will in turn make the learning curve much more manageable.

You may be thinking you want to try something new. If this sounds like you, you are in the right place. The Internet has endless possibilities. No matter what you have in mind, putting it into effect is more than possible, if you take your time online.

Find a way to get rich online by looking at what other people have done. Try to meet as many people as you can online and read success stories. This gives you a good idea as to what is available, and how you should go about getting started. Some people find a way to tweak one little thing in an existing business, and turn it into millions. Before you can do this, you need to know what is available.

Being retired does not mean your moneymaking days have to be over. In fact, you will have more time than ever before to devote to making money. This will make the task of actually getting started much more manageable.

Getting rich online is more probable today than ever before. This holds true for both retirees and young people alike. If you want to get rich online, start researching available options, and stick with your plan. Soon you will be making more money online than your pension plan is bringing to you.

HASNUDDIN HAMDAN is the owner-operator of the EmarketSociety.com website, and has had considerable success in a number of Internet Marketing Niches, Affiliate Programs and Copywriting. For more details on how you too can be successful at Internet Marketing, please visit: http://www.emarketsociety.com

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It seems like some websites are changing as often as every few minutes. While this is a necessity for news sites and those that want to provide readers with up-to-date information, what about your business website? You want to show your visitors that you're constantly innovating your business, but at the same time, changine your website too often might make it seem as though you can't make up your mind or that your business is less than stable. Here are some things you need to think about before you build your business website.

The Case for Change

There is certainly something to be said for always being fresh and new. When your visitors are looking for the latest and greatest fads in clothing, for example, you need to be able to deliver these trends as soon as they're on the red carpet or the runway. Change also shows your visitors that you are always looking out for them and their needs. You can include a daily blog, for example, that gives up-to-date information on the state of affairs in your business or perhaps on trends in the products you are selling. You might also want to keep a streaming band of words across your website to show updates on things like interest rates or stock market quotes. By keeping your website alive with new information, your visitors will see that you're interested in the long term health of your company.

The Case for Keeping Things the Same

On the other hand, you also might want to look into, for the most part, keeping your website the same. While there will be a need to change things up from time to time as things are out-of-date, keeping the basic setup of your website can help regular visitors feel like you are consistent and easy to keep up with. When you're always changing things, a customer can become confused as to how to do things on your site or whether or not your site is something they should spend time on.

The Verdict: It Depends on Your Customer Base

In the end, the case for change will largely depend on whether or not your customers are looking for constant updates. And this depends on your business focus. If you are trying to give your customers up to date gossip, yes, you will need to change your site a lot. But if you offer the same products over the course of a month, there's really no need to change your website until you change your stock.

There will always be times when you will need to change your website – as in when you introduce a new item or you discontinue an item or pricing scheme. But the overall consensus is that you might want to keep the basic structure for return visitors to your site.

Introducing Change to Your Visitors

If you plan on changing your website significantly, you might want to let your customers know well in advance of the actual change. This will give you time to get feedback on your changes as well as help you roll out your new look with minimal problems and concerns. Post a 'sign' on your website about the upcoming change and then provide a link to how the new website will look. Giving visitors a list of the changes they can expect to see will also help them see what they will notice when you eventually follow through.

Change is good, but when it scares away customers, it's not always the best idea. However, you also don't want to keep your website up for so long that you begin to seem outdated. Changing things up every season is a reasonable schedule without being too confusing for visitors.

Scott Oliver offers free video coaching to help you build a profitable home business FAST. Get an hour of "Website Traffic Secrets" and "Minisite Creation Tactics" for FREE -- immediate access here: http://www.InstantWebsiteBusiness.com.]]> http://miraclemoneyblog.com/homebiztips/HomeBusinessTips_WSa_28/user/index.php
By Biba Pedron

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

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

Simply get testimonials from your current clients!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(c) 2006 Biba F. Pédron

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

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

For more information or to receive free tips like this one, please visit http://www.theconnectionqueen.com
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by Shrinivas Vaidya

Do you know that all you need is 95 characters to survive on the Internet? The online world is not at all different from the usual offline world -- what we call the real world. Google, the busiest search engine on the Internet, started to sell advertising space on the search engine result pages in March, 2002. Instead of talking about this system, I'd like to try to answer a few questions.

* How does the system work?

It's very simple to understand. You go to Google.com, do a search and, when the search results show up, apart from the normal search results, Google also shows the ads of those advertisers who have decided to pay for that particular keyword to Google. The "paying" process in this case is a "bid" because pricing and position are determined on an auction basis.

* How much are the bids on keywords?

This is very difficult to answer. It's like real estate rates ... they entirely depend upon demand and supply of information for which the keyword is associated to.

But, one very important point here is that Google AdWords is a Pay Per Click system. This means it costs nothing to just show your ads on the Google search results pages. But, if someone clicks on your ad, Google will charge your credit card the bid mount that you have selected.

* What kinds of ads can I write?

These are normal text ads, limited to 25 characters for the title, 35 characters for the first description line, and 35 characters for the second description line. These total just 95 characters (including spaces). That's it. You get just 95 characters to show your creativity and drive traffic. Below these words, Google will also display the Website address you're advertising.

* How much time does it take to show up the ads on the search result pages?

Instantly. The moment you save your ad in the account panel, your ad becomes "active" and, depending upon the demand for the keywords you have selected, you start receiving traffic to your Website.

* How many keywords can I bid on for a given ad.

It entirely depends upon how much targeted traffic you want to your Website. It's quite obvious that bidding on more keywords will expose your ad to more search results and, thus, you can expect more traffic.

The AdWords system has a facility to create ad groups within your account and each ad group can take up to 1000 keywords.

This was a simple overview of the Google AdWords system for beginners. I hope it will help encourage you to study, in depth, more AdWords strategies that can create wonders for your online business.

Copyright, Shrinivas Vaidya

AdWords is the registered trademark of Google Inc.

Learn how ordinary people are earning a loads of cash with AdWords. Subscribe to a FREE 5-day FREE e-course and get the insiders secrets that can double your Website traffic by spending less even on highly competitive keywords. Visit http://www.PayPerClickWonders.com to start TODAY.

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by Tywford Lamai

If I were to hazard a guess, I'd wager on the likelihood that you have come across the word "ClickBank" during your foray through the jungle of Internet affiliate marketing, right?

So -- just who or what is this "ClickBank"? That's what we are here to discover today!

ClickBank is the Internet's leading retailer of digital products. ClickBank is also the Internet's largest digital marketplace, where thousands of the Web's most popular digital products are sold every single day.

Whether you're looking to buy, sell, or promote digital products, ClickBank is for you!

Affiliate marketing is one of the most popular businesses online. This is a business where you earn a right to share profits with a merchant (product owner) -- in the form of affiliate commissions -- for sending targeted traffic to his/her product sales page.

The most common and popular type of affiliate marketing is called Pay-Per-Sale: This is a form of affiliate marketing where you are paid for every sale generated from a customer/visitor who lands on a product sales page via your affiliate link. This is very simple in theory -- find a very good converting product, market this product, and collect/cash your commission checks!

"Make $10,517! -- in 24 hrs -- Guaranteed!" -- You see adverts and promotions like this on the Internet DAILY! Success stories that describe a from-rags-to-riches miracle which happened by peddling a "highly converting" digital product!

Needless to say, not all such stories are true, but that is not to say that affiliate marketing wealth is impossible either! -- it is very possible to become very wealthy selling other people's products. All you need is the "know how."

How do all of these people link to ClickBank? And who are ClickBank's private army?

Promoting products and receiving commissions for sales is made possible and relatively easy by ClickBank! Currently boasting an "army" of well over 100,000+ affiliate marketers, ClickBank is a force to reckon with if you are hoping to carve a niche in the dangerous and highly-competitive terrain of Internet affiliate marketing!

ClickBank also boasts of a list of over 11,000 products with affiliate commissions as high as 75%! You'll also appreciate their fast & accurate tracking system and dependable payment services -- every two weeks without fail!

They've never missed a scheduled payment!

Not an affiliate marketer but a product owner you say? Well, check this out:

You can sell your digital products today hassle-free! Just leverage over 100,000 ClickBank affiliate marketers to find customers for your digital products and multiply your profits. Account setup is simple & fast. If you try them out, you'll find out why over 10,000 publishers/merchants already trust ClickBank.

When it comes to customer support, ClickBank has established an experienced support team dedicated to your success. Their customer service representatives are available to quickly and effectively resolve your account setup, maintenance and order related support needs.

Army huh? How do they keep track of who is who?

Clickbank uses a technology aptly named "hoplink" -- you know, like people use your hoplink to hop onto their Website :) This is how they ensure that an affiliate is properly credited for his marketing efforts.

To take advantage of the highly lucrative offers from all the merchants registered with ClickBank, you must first register. To do this, you will go to ClickBank.com and click on the signup link.

After you sign up, you will be given a username (chosen by you) and you can then begin the process of choosing what you want to market/promote. You are now officially a member of the highly elite affiliate marketing/combatant force of clickbank!

Welcome!

You will have noticed that becoming a member of ClickBank's army is not difficult. Now, what is difficult is making those affiliate checks consistently. If you can't achieve this no-mean-feat, you won't remain an affiliate marketer for long because you will give up out of frustration and throw in the towel!

But thank God there are many ways to promote the products listed in the ClickBank marketplace!

How do you find those products? Well that's why I am here ain't it?

How about I make a deal with you? Interested?

Alright. I know a guy who is in the business of helping affiliate marketers earn their very first commission and continues helping them until they become tired or bored! I am willing to introduce you to him IF you are really interested (***Please only for interested affiliates or to-be affiliates!)

For more details on this offer please see the resource box...

Happy affiliate marketing to you. Chao!

Why settle for promoting only ONE product when you can make BOAT-LOADS of CASH marketing 100,000+ products with ONE affiliate ID Guaranteed!? Did I mention that it IS FREE? Visit http://www.brainboxcorp.com/index.html NOW to claim your FREE ClickBank Portal!

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By Jenn Richards

If you are looking to make money online, or to make more money via the net, it is important to make sure you are getting the highest possible amount from every sale you send. The payment variations between the programs you choose can mean the difference between a successful online marketing career, and a frustrating waste of time and effort.

The differences in affiliate programs' payouts can be immense. Some will pay a tiny percentage and will not credit you with further sales. Others pay commissions in the hundreds of dollars for a single sale, and credit you with any further purchases from the customers you send to them. Generating quality traffic is not easy, so why push those hard-earned visitors towards sponsors who will only pay you a few dollars per sale.

Contrary to the old business cliché, in internet marketing, "what you know" is very important indeed. Finding the amazing opportunities is not easy. It is a competitive market. When marketers strike a golden niche, they are going to keep quiet about it. So how do you find the high paying niche products? You can check industry forums, hoping for a generous soul to give up the goods, but it is not likely to happen. The good news is there are affiliate membership sites designed to inform you on the latest, most profitable opportunities. Successful affiliate marketing is dependant on three factors:

1. The market potential - The size of the market, the competition, and the quality of the offering
2. The profit potential - What is the cost per sale? What is your commission?
3. The support you receive to promote the product.

A site addresses these factors head on. A team of e-commerce professionals guide affiliate marketers towards some of the most profitable products to promote on the net. It has produced www.MakingYouRicher.com (MYR). MYR Membership comes with a guide to create sites that sell, and how to profit from just about any niche. The members' area updates with highly profitable offerings, as they find them, and they supply all the tools required to start.

The products they find can pay as much as $175 for a single sale, and with free website templates and professionally written content, you do not need to be an expert in the niche to get started. MYR's reputation is impressive, with some of their members making up to US $80k per month in commission.

If you are interested in learning more about affiliate marketing, or are experienced, but looking for something extra, visit their site today - www.makingyouricher.com

Visit www.MoreNiche.com or
Email MN at support@moreniche.com for more info.

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Websites are only as effective as the number of visitors who see the content. If the search engines are ignoring your site, it definitely won’t get a lot of hits. Therefore, you need to try these tips for getting your site noticed by the search engines right away...

- Use Google Sitemaps to get your inner pages indexed. Many sites have a problem when it comes to getting their inner pages indexed. Luckily Google has a solution to help webmasters overcome this problem. Google Sitemaps (www.google.com/webmasters/sitemaps) is an easy to use tool that allows you to tell Google about every page of your site. Although it won’t help your rankings, it may get more of your pages in the index, which could mean more traffic.

- Make sure your link anchor text is varied. Search engines penalize sites that seem to have used link exchange services. They spot these sites by looking at the incoming links. If the anchor text on every link is the same, then there is a good chance that software and not a human generated the links. Instead of using an automated service, take the time to submit link exchanges one at a time and make sure to vary the link text. This gives a more natural look to your incoming links.

- Use terms related to your keyword phrases in your copy. As the search engines become more sophisticated, they are better able to look at all of the content on a page and determine what it is about. What they hope to find is content that is well written for the end user – and not just for the search engines. By using synonyms and words related to your keyword phrases throughout the page, you are showing the search engines that you are writing copy that is truly useable to their searchers. As important as it is to include your keyword phrases in your copy, it’s more important to write naturally so that it makes sense to your human readers!

- Find out what your competitors are doing. Although the information does not come cheap, there are services that provide very detailed reports on your competitors including the traffic they get, what keywords generate that traffic and from which search engines. If you’re in a highly competitive market it might be worth checking out http://www.hitwise.com

- If you use keywords in your file names, don't overdo it. If your keyword phrase includes 5 words you won't be doing yourself any favors to save your homepage file as “here_are_all_my_keywords.html”. This looks like you’re trying to stuff your keywords in anywhere and everywhere! Instead, choose a system for naming your files that makes it easy to tell what they are, without worrying about cramming in every keyword the page is optimized for.

The new buzzword among site developers is optimization. And with good reason. Unlike the past when only the appearance of keywords mattered, search engines now rank pages based upon many different factors. As you can see from the information presented above, you can help to get your site seen by the search engines with just a small investment of your time.

Ben Euporian of http://www.omsho.com/ makes it easy to learn from SEO Experts. For details, visit this site now: http://www.seo-tips-pro.com/]]> http://miraclemoneyblog.com/homebiztips/HomeBusinessTips_WSa_28/user/index.php
By Karl Stadler

If you are prepared to work hard and take a small risk, then an online business opportunity is waiting for you. Discover for yourself the possibility of creating additional income online.

You are reading this article because it just might be possible for you to make money online, or you might be considering a home based business. Either way, you came to the right place. If you are new to the subject of earning income online, read on and I will show you the basics of being successful on the internet.

I have felt the sting of starting up an online home based business. I know the pain of failure, but now I know the feeling of success. It required testing numerous opportunities, spending quite a few dollars, nearly throwing in the towel and returning to the day-to-day grind of nine to five, just before success came knocking on the door. I am glad I opened that door and pushed harder. The first thing to remember to be in the position to create a six-figure income online from your home is ‘too many secrets are not really secrets anyway’. There are opportunities for everyone. Creating an online income is not just for a ‘select few’.

You can make a very nice income the moment your online business takes off, but to start you need to be realistic in your approach. Allow time for yourself and allocate time for your business. At the beginning, it will take hard work and commitment from you, but when it starts to pay off, it pays handsomely. If you are faint hearted or looking for a get rich quick scheme, then a trip to the casino might be a much better idea than an online home business.

There are many opportunities on the internet for you to create your own business. The challenge, however, is finding the right online business opportunity. You are looking for an opportunity that is legitimate, profitable, easy to start up and just as easy to run and maintain.

Some of the best opportunities to make money online are becoming available as the internet expands globally. This is evident for searches that the major search engines are handling every day. With this growth, more and more people are eager to explore the new possibilities to supplement their income or create a full time income enabling them to quit their nine to five jobs.

The opportunities are just waiting to be taken by anyone willing to take a small risk and do a little hard work. The people who are making it are just regular people like you with a dream to create a better life for themselves and their families.

There are different models of online businesses and then there are the ones that work. Most of the internet sales are downloadable information products, information that people need every day. To the online business owner this means no stock and immediate delivery to the client and money in your bank account.

You do not even need your own product. Most of the online business owners are selling products as affiliates Business Management Articles. It is just a matter of learning and applying the basics.

The great news is that there are legitimate business opportunities available for you. Starting your own online business can be the best life choice you will ever make.

Explore legitimate work from home businesses. It might be the right opportunity for you to make your dreams come true online. Click on the link now to find out how you can start today. http://www.viralbiz.net/jobs.php .

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By Lynette Chandler

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

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

What is your audience most predisposed to?

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

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

Why are you building that site?

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

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

Relevance

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

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

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

When to pod cast

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

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

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

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

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

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

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

Lynette Chandler helps entrepreneurs recognize and apply the power of technology to their marketing. Discover how web conferencing can work for your business today at http://www.webconferencingworks.com.
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By Todd Brabender

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

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

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

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

The Lesson: For these types of business owners I recommend asking for help from a smaller PR agency or publicity specialist who is willing to "hand hold" to get the client educated. Research to find one who doesn't mind spending the time to educate you about what should be included in your specific media market and the pitch. Make sure the agency or publicist understands the product/business as well as you do and can in turn educate you about your media market – one that will be able to benefit your business for years to come.
--




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19% - "Have Unrealistic Media Perceptions" These are the business owners who are CONVINCED that EVERY newspaper, consumer interest magazine and TV show will run a feature on their new products when they launch a publicity campaign.

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

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

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

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

Copyright (c) 2006 Todd Brabender

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

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

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

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

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

A. What else would you do with your time?

B. What else would you do with your money?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For it is a fact that man…

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

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

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

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

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

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

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

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

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

However...

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

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

Going back to the car again...

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

Auto reversing distance sensor...

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

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

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

Vibrating Seats:

The seats vibrate as you drive.

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

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

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

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

For the auto reversing sensor:

Save Money On Your Insurance Premiums...

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

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

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

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

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

For the vibrating seats:

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

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

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

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

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

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

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

Copyright (c) 2006 Stuart Elliott

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

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

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

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

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

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

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

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

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

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

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

Strategies to Maximize Your Tax Benefits

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

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

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

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

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


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

You know what I find funny?

Most people start a business so they can enjoy the benefits of the ‘extra’ money and wealth that owning a business can create.

Yet many business owners have no idea about understanding their own financial statements, and that’s where their money is!

To me, it’s such an irony.

And it’s something that I definitely rectify with every client I work one-on-one with.

By the time they’ve finished with me – they know their financials like the back of their hand… in fact they showing their accountants a thing or two…

Over the years I have noticed that most small business owners don’t look at or understand their financial statements.

This can be for any number of reasons.

Maybe your accountant hasn’t taken the time to explain it to you.

Maybe you don’t want to learn them; after all, who understand Math at school, or enjoyed doing it?

In my experience I have found that the typical business owner starts a business because they have the drive and the personality to influence and convince people.

I have found that on most occasions, not all, that this type of a personality doesn’t enjoy doing paperwork and financials.

And that’s okay… but to make it as a successful business owner, and add another million or so to your business - I suggest that you really become excellent at reading and understanding financial statements.

Because the best and wealthiest business owners do.

As with any area of your business – you should know what you’re doing – but it doesn’t mean you have to do it.

So employ people to do your financials – but you’ve got to have the knowledge and the experience to know that the people you are employing are doing it properly.

And this is certainly the case with your businesses and your personal financials.

If you don’t know how to read and understand them, you’ll wind up in big trouble with them at some point in your career… be assured of that.

So start now.

Don’t fall into the trap of LEAVING it to your accountant. It’s the biggest mistake you can make. You should be doing it WITH your accountant.

If you have an accountant now that you have started with, chances are that your business is heading into areas that they are not as competent in. When you started your business –it was small and you probably weren’t making great money. For this reason, you probably hired a ‘lower end’ accountant at that time.

And that’s fine. You just need to know that as your business grows this ‘lower end – accountant’ may not have the skill-set to cope with your growth.

It’s like different levels of sport.

Take football for example.

There’s local football, inter-district football, state level football, and National Level football.

As the level increases – so does the expertise needed by the players, the coaches, and the administrators.

And so it is with Businesses.

It’s the same with me.

My skill-set is excellent with taking $1 million businesses up to $2 to $5 million. I can work with businesses that are smaller than that, or that are bigger than that – but I’m perfectly suited to the niche of taking $1 million business to $2 to $5 million.

So I concentrate on businesses in that niche.

Above this mark, or below it comes a whole new set of skills that I don’t particularly want to be involved in.

Now back to you…

You’ve got to take an active role in creating your financials.

Ideally, you should know all your expense categories so that for any payment made in your business you know which category it should go into.

You should know all your allowable tax deductions; like the back of your hand.

It’s your business, your money, and your life – so control them.

You should also have up to date and accurate financial statements.

Some of these statements you should be looking at daily. Some weekly. Some monthly. Some quarterly.

You should be actively involving your bookkeeper and your accountant in this analysis. Then you are all up to date and focused on growing the business.

It’s what all top business owners do, and it’s what helps them to continue to grow and prosper – so that they can not only grow their business – but also enjoy the rewards that only a well-controlled and profitable business can provide.

On my ‘1-on-1 Business Coach Program’, I’ll take you through a process that will have your head spinning with how easy it is for you to understand your accounting reports. And how easy it will be for you to understand your financial position.

I’ll also take you through the best ways to work with your accountants so that you are kept up to date and accurate and so you know exactly what’s going on in your business at all times.

It’s such a refreshingly simple ‘demystifying’ process. All of my clients love it once they’ve learned it because they really know where every cent of their money goes. It gives them more control and understanding of their business.

They all realize just how important knowing their financials is for their business growth and success.

Know your financials like the back of your hand.

Copyright © 2006 by Casey Gollan. All Rights Reserved

http://www.caseygollan.com.au - Business Coach, Mentor And Growth Specialist - Casey Gollan, Business Coach, Mentor And Growth Specialist. Grows $1 Million p.a. Small Businesses Into $2 to $5 Million p.a. Businesses Over a 2 to 3 Year Period.
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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.
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By: Gary Foreman

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

1. Mention your Homework

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

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

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

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

2. Confirm your Understanding

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

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

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

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

Here's one more application:

3. Ask Permission to Present

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

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

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

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

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

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

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

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

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

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

Why you may ask?

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

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

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

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

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

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

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

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

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

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

Remember the days when it seemed as if every Web site began with a home page that featured some sort of animated flash, with the “skip intro” link as a way out? With all due respect to some highly creative interactive Web designers, today’s Web sites need to be highly focused, content-rich, and finely tuned in order to achieve maximum impact, visibility, and usability. In my own experience working with our clients at Nowspeed Marketing, we have found that most companies can take their existing corporate Web site and optimize it for effective lead generation.

Below are five best-practice tips you can use to help turn your Web site in to a lean, mean, lead generation machine.

Tip #1: See your Web site through the eyes of the visitor

Visitors to your Web site want to understand immediately who you are, what you do, and, most of all, what you can do for them. They want clear, logical paths for navigating through the site to get more information. This means you must design content and offers that speak directly to different target audiences, in terms of their demographics and job functions, and that also work well across the buying cycle (“tryers” vs. “buyers”.) Start with your home page, but don’t stop there. Make your interior pages content-rich and offer-specific as well.

Tip #2: Keep it clean, clear and concise

A common mistake is to put so much information and so many links on the home page or interior pages, that they quickly become cluttered. Think of the page in terms of valuable, limited real estate. Utilize it wisely. For the home page, include a SEO-optimized description of who you are and what you do. Provide short blocks of text and clear click-through paths for different types of visitors (customers/prospects/info seekers). Place high-performing, relevant offers where the eye can see them without much effort. Whenever you can, avoid making the user scroll down the page.

Tip #3: Balance search with simplicity

Optimizing your site for organic search is critical. Jupiter Research estimates that organic indexes generate 87% of commercial referrals from search engines. However, you need to weigh the benefits of high keyword placement with simplicity and usability from the visitor’s perspective. Don’t go SEO-overboard. Our advice is to SEO-optimize your copy and tags around keywords that have the following characteristics: high traffic, low competition, and are a good fit with your business. For example, the keyword phrase “B2b lead generation agency” works better for our marketing agency than “interactive agency.” Keep copy targeted around these parameters. You will not only connect well with your audience, but you will also rank high in organic search.

Tip #4: Evaluate traffic patterns for best offer and content placement

Use a Web analytics tool to see where people are clicking through from your home page, and which interior pages are receiving the most click-throughs and/or longest retention. Then, place your best offers there. You may be surprised to find that what you think is important, such company news links on the home page, is in reality a low traffic area. If that is the case, consider replacing that link with one to a page that is more relevant. Or, if your “About Us” page is getting a lot of traffic, place more links and offers on that page to encourage them to explore other areas of your site and request information.

Tip #5: Test, update, and fine-tune

Once you’ve got a solid, lead-based architecture in place, monitor visitor behavior and fine-tune various elements of the site until it is performing at the highest possible level of effectiveness. Utilize Web analytics to perform offer and message testing. Remember that, like content, offers can become outdated fairly quickly. As their popularity begins to wane, refresh your site with new offers.

David Reske
Partner and CEO
Nowspeed Marketing (http://www.nowspeed.com)

In 2003 Dave Reske co-founded Nowspeed Marketing, a direct marketing firm that delivers world-class lead generation solutions for leading business-to-business marketers in the U.S.

Before founding Nowspeed, David was founder and CEO of Onward Technologies, a web marketing and systems integration firm, where he led the company to significant growth. Founded in 1994, Onward Technologies was an early provider of Internet marketing and business-critical web-based applications for Fortune 500 companies.

As CEO of Onward Technologies, Dave provided highly successful Internet, intranet and communications solutions for hundreds of business clients. In 1998, Onward Technologies was acquired by CSC Consulting Group, a division of CSC Corporation that provides information technology consulting services to commercial and government markets. Dave served as Senior Partner at CSC Consulting until 1999.

Dave is a veteran industry speaker at Internet and e-commerce conferences nationwide. Now his leadership, vision and expertise are enabling Nowspeed Marketing clients to lower their marketing costs and increase response rates through innovative online direct marketing programs.
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By Allison Thompson

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

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

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

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

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

Allison Thompson, an expert author, after becoming a work from home mum, runs a small real estate company in Spain. Due to her involvement in the property market she has carried out extensive research relating to all financial matters. If you would like to learn more, please visit http://www.centrallendingservices.com.
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The Internet has changed our lifestyle to such a great extent that we rely on it for every little thing we are involved in. In fact, it is one of the best ways to get connected with our family and friends, as we are constantly swinging between the pendulum of time and work. The latest method of staying connecting is social media optimization. It is, in fact, a perfect way to churn out endless profits. Moreover, the internet is a huge platform for sharing information and interacting.

Social media optimization has become one of the most popular methods through which one can interact and gain knowledge on various serious and miscellaneous topics and issues. It has, in fact, raised the level of internet services by enhancing the visibility of the site and at the same time getting the site a higher rank amongst the famous search engines like Google, MSN and Yahoo. Social media optimization, however, involves carefully planned and laid-out strategies that help many websites in gaining popularity and more business. What exactly is social media optimization? Well, it is a set of methods that generate publicity through the internet and connect online communities and websites together.

Social media optimization is possibly the best method to attract traffic to your website. Today, many businessmen prefer business conducted through social media optimization as it gives an edge over various other publicity methods. In fact, search engine marketing firms have certainly made social media optimization an excellent medium of interaction. With the evolution of information technology, net savvy people frequently visit a number of websites to get knowledge and the appeal of social media optimization is that it acts as an interactive platform. You have most likely come across videos uploaded on various sites that also offer blogging services, forums and discussion panels that further enhances the effect of social media optimization. In addition, social media optimization uses viral marketing techniques that spread their word across the web.

In this instance, the sole purpose is to get people talking about a product, service or an idea. The conventional method of word-of-mouth serves as the publicity vehicle that in turn popularizes the website amongst the users. The various other techniques utilized by social media optimization include video and photo sharing, social bookmarking and blogging. In social media optimization, the emphasis is laid upon the elevation of the link-ability of the website that encourages the inbound links. Social media optimization additionally creates tags and book marks for the website so that it becomes user friendly and is accessed 24 hours a day. With this, the user is able to bookmark it easily as well as go back to it whenever required without any hassle or trouble. Hence, the visitor attains a comfort level with the website. As a result, the website will get recognition and simultaneously gain popularity amongst the internet users. The purpose of social media optimization will be achieved. Therefore, the website will be able to create its own space amongst various search engines and also earn a rank as a top website.

Steve Waganer has specialization in Web Marketing. He is expert in Search engine optimization,Search engine marketing, [http://www.cometsearchenginemarketing.com/social_media_optimization.html]Social media optimizationTo get the SEO tips from SEO firm for your website to get high rank and top position in major search engines visit http://www.cometsearchenginemarketing.com.]]> http://miraclemoneyblog.com/homebiztips/HomeBusinessTips_WSa_28/user/index.php
In today's information age lies a hidden goldmine of opportunity in all areas of business interests. When you have been through certain things in life, it helps you to tap into the creative mind. One of the things I've been doing recently, in which I have been successful, is finding quality, business networking professionals-- some of whom are famous-- all on MySpace.

One way I like to find quality business people to network with on MySpace is to head on over to my local Walmart. In their magazine section, you'll find every topic of interest ranging from fitness, Windows Vista, PC and digital camera reviews, WWE wrestling, fishing, hunting, investing and so forth. The first thing I do is head to the business magazines and randomly select any one that may deem appealing to my eye at that very moment. If it's Forbes magazine, I'll pick it up. Then, I skim through the Table of Contents to see what sounds most interesting. From there, I select what's most useful and head on over to that section. Once I am there, I skim through the introductory paragraph, looking for people's names to use as visual keywords to myself. I do it like this sometimes because if I don't feel like buying the magazine, I can still skim for fresh names of people to look for as potential business contacts to network with on MySpace

From there, I make a list of people by specific profession. For example, "Chris De Wolfe - MySpace". I then make lists by that topic under "Social Media Folk", "Affiliate Marketing Connects", "Corporate Business Execs", and so on. Once my list is compiled, if I didn't buy the magazine, I'll then take the list home with me and turn on the computer right away. Once I am logged into MySpace, I then plug in each name into the search bar, select "People" and scan the MySpace search results. Sometimes, it may be a lot of people with the same name, but finding the right person will require making your best judgment. If you happen to know the zip code the person resides in, that helps too, as does having their e-mail address.

Another savvy way of finding quality business connects is to send a friend request to associates of persons whom you've already friend requested. For example, if Steve Forbes had a MySpace page, and I friend request him, and I see that Bill Gates of Microsoft , Steve Jobs of Apple, Jay-Z of DefJam, and perhaps Steven Spielberg are on his top friends list, I'll friend request them too. This is a very effective, yet viral way of locating quality business connections on MySpace. From this point, if some of them accept you as a friend, be sure to be courteous and sound very professional when contacting high-profile business people on MySpace. Play your cards right and you'll be surprised how much the "big wigs" pay much more attention to the "little people" like you!

Shawn Drewry is the CEO of http://www.Drewryonline.net

He was born & raised in Brooklyn, New York and has been in the working world for 10 years, including corporate america. As much as he did well on his jobs, someone somewhere he worked with or even the employer themselves found some reason to wrongfully terminate them. He has learned the hard way to become an independent person, breaking the shackles of traditionally following the working class.]]> http://miraclemoneyblog.com/homebiztips/HomeBusinessTips_WSa_28/user/index.php
The Internet is continuously evolving. It has been incorporating all current technology into its domain and has thus stood the test of time and storm. From video conferencing to class sessions delivered online, it has touched almost every aspect of life. But none has been as popular as Instant Messaging, which gave birth to smiley icons, a product of man’s quest to make cyberspace as social as