Introduction to Search Engine Optimization (SEO)

 by: Jatupol Tanaruthai

The motive of Search Engine Optimization is to improve the ranking of the web sites, which are listed in the search engine lists. With the high rank of the web site in the search engine, there is a chance of more and more customers visiting your site. In today’s busy world the customers or internet users does not have much time to click through pages or the pages of search engine, so during their visit to the web site if the customer finds that the rank of the site is high he or she will ultimately move towards that site.

In the today’s web world, search engine optimizers (SEOs) are recognized as an industry of the professionals who bring the optimization scheme or projects on behalf of their customer’s sites. SEO ensure to the customer that the site they are looking for is reachable by the search engine. (It also improves the probability that the site, which a customer is looking for, will be found by the search engine. The motive of any search engine marketing agency is to know the techniques which give greater reliability to the search engine and what the search engines are looking for. So they modify a web site so that it is considered to be friendly to search engine.)

Different kinds of listing are displayed by the search engines in the search engine result pages (SERPs). The lists which are displayed by the search engines are pay per click advertisement, organic search results and paid inclusion listings. The strategies adopted by a search engine optimization company in Thailand are just same as required everywhere else in the world – they shall increase quality of customers and number of customers by improving the rankings of the SEO clients’ websites. Mainly SEO is concerned with achieving the aim of a web site by the improvement and progress of its organic search results.

Any newcomer, who wants to make his place in the web world and is launching his web site, should think about search engine optimization even already for the initial design of a site and development of the site, as they offer the stand alone service.

As a part of a large marketing effort, SEO plays a very important role for the initial design and development of the site. Pay per click advertising can play a substantial role for the competitive and high volume search term. The cost of pay per click advertising is little bit higher, so web site owners can think to optimize their sites for organic search. If your web site is having high ranking in the organic search results, this can bring the flow of traffic at a possible significant savings. Search engine optimization may not be having identical goal for all sites.

Some sites optimize to rank high for common search phrases, so these types of sites often look for any and all types of traffic. These common phrases are often much harder to rank for than the real “long tail” phrases that clients use to search for a product. It is important to note that you have to perform search engine optimization for every language that you cover – and if you have a Thai language part on your site targeting clients from Thailand, you sure want Thai search engine optimization experts to help you for the famous engines in Thailand like Google.co.th or Sanook.com.

In the Search Engine Optimization industry some of the search engines are frequent guests and sponsors at SEO seminars and conferences. With the arrival of paid inclusion, some of the search engines are now taking interest in the well being of the optimization community.

Copyright 2006 Globlet Co., Ltd.
About The Author

Jatupol Tanaruthai has been in the search engine marketing business for about 9 years. He is the owner and CEO of Globlet Co., Ltd. (http://www.globlet.com), a search engine marketing company based in Bangkok, Thailand. 

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6 Techniques to Get More Email Addresses Into Your List

 by: Brian Lam

Today I shall be revealing the first three of the six techniques which you can immediately apply to your website in order to get more subscribers into your list.

1) Compelling name for your ezine

For any subscriber to really get attracted to your ezine list, you will need to get their attention when they first visit your website. But to do that would be require some clever ideas from your part.

As this will require you to come up with a catchy name for your ezine so that the subscribers can easily recall your ezine without much effort to search through their past activities to see if they really do subscribed to your ezine.

For example, a catchy name which is also descriptive for a website related to building great marriages might be "Marriage Builders". At once, your subscribers will be able to understand what your ezine is all about just basing on the name alone.

So this helps your potential subscribers to understand whether the content will be relevant to their needs. In this way, your subscribers would not hesitate and sign up immediately for your ezine. Thus, you will need to come up with a catchy yet descriptive name for your ezine.

2) Show your ezine back-issues

Now you would really want to get in touch with your subscribers, so it is recommended that you show a few past issues of your ezine to your potential subscribers.

This is to show them what kind of content is really inside the ezine and they are also able to gauge whether your writing style suits them.

With a real feel of what they can expect, this will really bring up the quality of your subscribers if they are really interested in what you are providing and recognize that it is of value to them. They will definitely stay on your list for much longer.

3) Make your ezine ad standout

How to increase your subscription rate if you do any promotions of any sort? Well, all you do is to make you ezine ad standout from the rest of the ads.

Here is the part where you will really need to think of how to take advantage of where your ad will be advertised. There are many different ways to make your ad outstanding.

For example, you can always use some CAPITALIZED words to catch the attention of potential subscribers or use symbols such as these "?^&*%#$~!" to add a little creativity to answering your main benefit from your ad.

Well, that is about all for Part 1...

Hope you can really put into use of whatever you have learned today.

Stay tuned for part 2 for my next issue on which I touch on how you can boost your subscription just by a 5 minutes "tweaking" on your sign up page.

To get quality affordable ezine solo ads, check out this website at http://snipurl.com/wiz_ads. I really recommend this after using this myself.

About The Author
Brian Lam

Discover the HIDDEN Secrets of Adding Hundreds of Subscribers by Having Thousands BEGGING You to Help You Promote Your List! Learn 5 Amazing ways to Explode Your List with MORE email addresses. Brian Lam has been a self- taught online marketer with experience ranging from affiliate marketing, traffic generation to viral list building. Now at http://www.powerlistgenerator.com/. 

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Work From Home With A Positive Attitude

 by: Ove Nordkvist

Once you're about to start a work from home business, you should bear in mind that your subconscious get fuel from thoughts of defeat or success. You can think about it as a chain reaction. Whatever you choose to think about, or dwell on will have a deep effect on your mind, which will influence everything you do.

It has no matter what your goals are set to be, your success level will only be as high as you allow it to be. Think about following : If you get frustrated, give up and call your task a failure, that frustration will become a heavy burden to carry towards your work from home business success.

On the other side of the coin, if you follow through with your task, work hard and get it done, the impact of that successful mission, will have a positive effect on the rest of your work. This allows you to approach other projects with more confidence, which will have a big positive impact at your work from home business.

Your confidence will increase from satisfying yourself with what you can achieve. The more positive you allow yourself to be, the more things you will be able to achieve.

We often see people getting annoyed over some small issue or problem. This emotion will influence their attitude and their ability to be successful. I'm not saying it's possible to always being even tempered. Of course there will be times when it's not possible to keep the lid on. But you want to learn to not get caught up emotionally in something that really isn't that important.

Sometimes you'll have to struggle with your temper, but most of the times it's not going to make any difference, so why bother? Just turn around and do your thing. You decide what your attitude will be like. And because of that you can control your effectiveness, productivity and the results, both in your work from home business and your personal life.

It all boils down to that you're able to choose how to think, and what to think about. Granted it will take some effort to learn how to always think positive, it'll be well worth it. Your effort will change your subconscious mind, and make you the person you want to be.

Take the command of your subconscious mind and the rest of your life. Don't let your subconscious mind control you. Always think positive. Do that and your work from home business dreams will come trough.

Visit http://www.small-biz-ideas.net/work-from-home.html to learn more how to start a successful work from home business!

About The Author

Ove Nordkvist is the Founder of the web site small-biz-ideas.net where you can get help with ideas, tools and resources to start a small business. You can download free Masters Courses for a variety of small business ideas at http://www.small-biz-ideas.net 

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Accounting Outsourcing Service is the Synonym for Saving

 by: Michelle Barkley

Is your accounting firm business running in loss? Then outsourcing is the only option left for your firm to come back strongly. This service is a life-saver for your business. Accounting outsourcing service is meant to save your money and improve the financial condition of the firm. Usually, the accounting services of a firm are outsourced when they are over-loaded with work. When the professionals are not able to handle the work in their firm, they shed some of their work load on the outsourcing companies.

Accounting outsourcing service will enable the accounting firms to concentrate on the other crucial areas of the business. This will help them to earn greater profits. Mainly, because of the workload, outsourcing services are gaining a world wide acclaim. Accounting firms are constantly outsourcing their services to cut-down on the capital expenditure.

Accounting outsourcing service ensures better quality of service. It is because the companies handling outsourcing services concentrate thoroughly on the accounting work. Many accounting firms outsource various accounts related tasks, such as invoice generation, generating accounts, financial statements, trial balances, profit and loss account, pay roll processes, checking credit card accounts and lots more. Outsourcing these services will save your money that would have been wasted in hiring a proper staff for managing such accounting tasks.

The growing demand of outsourcing has enabled various outsourcing companies to emerge as a perfect solution for accounting firms. Almost every one of them offers online services. This will save your precious time that gets wasted in running around to manage your accounting tasks. Accounting outsourcing service is the best way to get rid off all the tensions and worries that were cropping up in your accounting firm. The accounting firms are assured of getting effective and efficient services from the outsourcing companies by giving all or some part of their accounting work to these companies.

The accounting outsourcing companies are specialized in managing the overloaded task of various companies, because they have professionally trained staff for handling the accounting and other matters. These companies understand the need of getting things done at a faster pace. Such outsourcing companies are a boon for those accounting firms that are unable to manage their work. You can even monitor your work done by the outsourcing firm.

Accounting outsourcing service has become almost mandatory these days for the over-burdened accounting firms. The accounting firms that are outsourcing their services are able to save huge amounts of money. The outsourcing companies don’t have to give higher salaries to the staff, medical expenses, conveyance charges and house allowances to them. In place of this, the accounting firm will give certain amount to the other company for managing the accounting tasks. This process will help them to manage their capital expenditure. If your accounting firm is overloaded with work, you can outsource the work to save your time, money and other resources.

About The Author

Michelle Barkley is a CPA working for IFRworld. She specializes in Accounting Outsourcing services ,Back Office Outsourcing and tax returns preparation outsourcing.To know more and to use the services visit http://www.ifrworld.com. 

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Management Features of Sales Force Automation

 ReadQuick - don't have time to read the whole book?
by: Diane Newsom

Sales force automation, or SFA, is a term that refers at its most basic to automating critical sales functions like lead and account management. Sales force automation uses software to automate sales tasks like order processing, lead generation, information sharing, contact management, customer management, and employee evaluation.

It also keeps track of customer preferences, buying habits, demographics, and performance management. Sales force automation tools improve field sales productivity and open whole new realms of possibility for companies. With an on-demand architecture that allows effective sales force management and CRM, managing sales information is easy on even the largest scales. Essentially, customers and sales employees can manage and share any type of information.

There are a number of benefits and features that come with sales force automation technology, and these features comprise the backbone of the SFA system. They include:

Lead management

Lead management allows companies to keep better track of leads by ensuring they don't get cold. This can reduce or eliminate the need for manual routing and lead assignment duplication, clearly defines opportunity assignments, and is able to automatically assign leads to the correct individual based on territory, product expertise or user-defined rules. Thus SFA allows for automatic load leveling across sales territories, and better relationships between team members.

For example, with automatic lead management, you can set security controls that ensure teams or partners can access only their own leads, increase lead conversion rates and improve sales response times.

Opportunity management

Opportunity management allows sales teams to work better as units by standardizing sales methods and systems, identifying bottlenecks, and tracking deal closures. It also allows employees to focus their resources on strengthening key partnerships and dominating key competitors instead of competing with each other. More organized sales teams allow managers to delegate tasks and set up automatic reminder emails for themselves and their team.

Most importantly, the opportunity management feature allows companies to centrally track custom information like partner and customer communications and milestones while simultaneously monitoring myriad sales processes like sales channels, service effectiveness or product lines.

Account management

An account management system ensures that your company is able to attain full knowledge of your customer accounts. Accurate knowledge of customer account equals better collaboration amongst your sales teams and retains lasting customer relationships. Additionally, account management allows a company to defines and evaluate all those involved with the account, from the project manager to the executive sponsor.

With account management, you can set up online access to all customer account information, like organization charts and current partners-across the entire company. No one is left in the dark and everyone knows the account status and history.

Territory Management

On-demand, advanced territory management capabilities allow you to adjust to rapid changes within your company. An easy point-and-click interface ensures your company can automatically route accounts and opportunities to the correct territories.

A solid territory management system also decreases lag time in lead assignments by ensuring a lead never gets cold; lead assignments are easily queued and automatically sent to the correct territory. In essence, territory management allows companies to easily monitor, set up, gather, transfer, assign, re-assign, and change accounts across territories.

Contract Management

Contract management is another integral feature in sales force automation. Essentially, it allows companies to manage a contract's lifespan by shortening approval cycles for contracts, renewing contracts sooner, and reducing administrative costs.

This SFA feature improves tracking and management of contract information, such as value, conditions, terms, evaluations, and more.

Traditionally, most companies have had to build, buy and sustain an IT software system all on their own; however, this leads to extremely high maintenance fees and myriad other costs. Today, the advent of automated sales force technology allows businesses to subscribe to already built, on-demand, customizable services that provide everything a traditional IT software does and more.

The architecture of sales force automation allows for a decrease in the total cost of ownership, reduction of risk factors, a decrease in wasted time, and a new focus on business and management rather than technology.

About The Author

Diane Newsom writes for http://salesforce.com – A pioneer in SFAsoftware. Visit their site for more information on sales force automation. 

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What is Customer Relationship Management?

 
by: Diane Newsom

Customer relationship management, or CRM, refers to reliable systems, processes, and procedures that allow companies to better manage customer relationships. It is a corporate level strategy that focuses on creating and maintaining effective communication with its customers. Ideally, a sound CRM strategy should develop an end-to-end process that encompasses sales, customer service, and marketing.

A successful customer relationship plan can manage all business-related operations and interactions with customers simultaneously. It often includes special software programs, called CRM programs, which aid companies in tracking and organizing their customer base.

Customer relationship management is just that: learning ways to manage the happiness of your customers by giving them what they want, increasing the effectiveness and profitability of your product or service by adapting them to customer preferences, and creating communication channels between sales reps, sales managers, and the customers they serve.

What are some ideas for successfully implementing a customer relationship management strategy?

There are numerous ways to successfully implement an effective CRM program. Here are some ideas that will start you thinking about the ways you can create a richer and more truly customer based culture. You can improve, adapt and reform your customer relationship plan by such methods as:

• Providing product information and support via a hotline or a website. This would allow customers to better use and understand specific products or services, and get any technical answers they need;

• Creating custom applications that offer point-and-click customization, real-time analytics, ease of use, tracking of all contact points between customer and company, and fast online and offline access to data;

• Implementing a mechanism to quickly schedule and manage follow-up sales calls and create clear, well-built information pipelines and channels of communication;

• Creating a simple, easy and intuitive user interface that is friendly to computer experts and neophytes alike. Thus, even those reps who feel uncomfortable using a computer could easily go online and check out statistics and other information;

• Devising a quick system for correcting service problems before they affect other customers, answering customer questions or complaints, and handling any other problems that might arise.

How does customer relationship management actually improve a company's relationship with its clients?

CRM improves relationships between customers and companies because it allows a company to meet the needs of the customer by keeping track of their interests and improving products and services accordingly.

For example, if a company implements a customer relationship management technology program for a specific product, they can track how much the customer uses the product and how much they repurchase it, allowing the company to grow and adapt the product to the customer's needs.

Used correctly, a solid CRM program can increase customer loyalty, decrease the customer turnover rate, decrease marketing costs, and increase revenue and profits. Essentially, it greatly improves the way your company and sales reps or other professionals do business with customers.

What technical functions should a customer relationship management program have?

A CRM program should have the ability to interface with users through mobile phones, internet, and other similar communications channels. It should also take into account workflow and have the ability to assign sales requests, sales opportunities, and other such assignments to groups or an individual. More importantly, it should be scalable and easily expandable over a very large or small scale.

This means that as long as the customer relationship management system is properly programmed, everyone from the smallest business to the largest corporation should be able to implement an effective CRM strategy.

Implementing an effective and efficient customer relationship management system is the best way to increase consumer confidence in your product or service and stay in touch with your customers, thereby increasing the effectiveness of your product or service.

About The Author

Diane Newsom writes for http://salesforce.com a leading producer of CRMsoftware and customer relationship management information. 

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What To Know About Pay Per Click Search Engine Advertising in Your Google Adwords Campaign

 by: Leonard Bartholomew

If you are one of those people that has not had any luck with your pay per click search engine advertising, chances are you are not building your keyword advertising lists correctly. In order to get the most from google adwords, you have to know what keywords are going to work best for your field and what keywords are going to generate the most traffic. With these tips you will find your google adwords campaign will be made easy.

The first step to making a keyword list is to write down your targeted traffic and keywords you think suit them best. One of the easiest ways to do this is to think about how you would search for your product in the search engines. If you search for your product with these keywords, chances are hundreds of thousands of other people are doing the same thing.

Profitable keywords for your pay per click search engine advertising campaign can be found using the overture keyword suggestion tool. This will allow you to find what keywords are being searched the most, which will help you generate more traffic to your website. Place the top few keywords that you find in your titles of articles and blog posts, along with the first few sentences of the content on your website. The more you place the top keywords or targeted keywords on your website, the better chance you will have of climbing higher on the search engines.

Another great thing with a keyword suggestion tool like Overture is that you can find a large list of profitable keywords. This will allow you to build a list of multiple ways people are searching for the same product. If you can target multiple keywords, you will be able to have several lists on many of your pages. The more keywords you place on your website, the better chance you have to make money from it. If you can target several keywords as oppose to one or two you can cut down on repetition.

When you are choosing keywords, try and be as specific as possible. If you want to generate any kind of traffic that is specific to your site, you want to stay away from vague and basic keywords. By selecting specific keywords it lowers the competition you will face for the keyword and lower the cost per click you will be spending. By having specific keywords you will assure yourself that your keywords bring in qualified traffic that is worth your time.

There are multiple ways to make your pay per click search engine advertising campaigns made easy and specifying your keyword list is just the start. While there are many things you can do to get the most out of your keyword lists, finding the most specific and cost efficient keywords using a keyword suggestion tool is one of the best things you can do. After creating a list, you will be on your way to making money in no time.

About The Author
Leonard Bartholomew, B.S. Computer Science. My SEO help site will assist you in finding the most profitable keywords. Find tips, tools, products and more about pay per click search engine advertising at http://www.moxie-drive.com/google-adwords-made-easy/.

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How To Unleash Viral Marketing

 Catch a Gideon - simple and smart ways to get rich
by: Bruce Seah

Is Viral Marketing new to you? What is viral marketing? It is marketing that spreads like the viruses where it moves across borders at tremendous speed and the growth is exponential as it becomes epidemic! How did you hear about hotmail and Da Vinci Code? Somebody told you about it or you receive a message from an email telling you about it, isn't it.

Word-of-Mouth Marketing can become Viral Marketing if it reaches a tipping point where it takes a life of its own and start spreading round the world at great speed. So how do you apply viral marketing into your business? You must create a buzz and network marketing can become viral marketing too when you can create something that really excite people and they just can't stop talking about it or sharing it. It got to be something that is new, exciting and if it can make a positive difference or add value to people's lives!

Here's a good example of viral marketing, I've created a simple free ebook: How To Be Happy, Healthy and Wealthy! And I've linked it with my business and everyone that reads the book has the opportunity to participate in it and give away as many books as they want. It will spread very fast because it is simple and duplicatable and the title of the free ebook creates a buzz: How To Be Happy, Healthy and Wealthy!

People worldwide are looking for a simple way to be happy, healthy and wealthy!

Just imagine when one person gets excited after reading the free ebook and give away 100 free ebooks and out of the 100 free ebooks, 10 of them took action and did the same, you would have 1,000 free ebooks circulating and multiplying worldwide! What if out of the 1,000 free ebooks, 100 did the same, you will have 10,000 free ebooks and soon 100,000, 1,000,000, 10,000,000 and 100,000,000 and it is possible in viral marketing because of its exponential growth especially when you leverage on the power of the Internet!

How to unleash viral marketing? Think through these important factors: Is there a buzz factor? Is it something that people cannot help but talk about it? Does it make people say wow? Is it so simple that even a child can do it? Does it add value to people's lives?

For viral marketing to work, it got to be fun, and of course, if it can help people make money, it will be a great booster and most important of all if it really benefit people! Please do not confuse viral marketing with chain letters just like many people out of ignorance, think network marketing is pyramid selling. The key factors that separate viral marketing from chain letters, is adding value to people's lives and it involves a win-win process where everyone can benefit from it and it is ethical and everyone participate willingly and it can be fun too!

For more information on viral marketing and to experience it, go to:
http://www.SimplyLearnAndEarn.com
Feel free to use this article on your website or ezine as long as the following information about author/website is included.
About The Author

Bruce Seah is a Marketing Consultant and has been in internet marketing since 1999. Visit my website: http://www.SimplyLearnAndEarn.com. 

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Real Estate Investment – Three Ways To Success

 by: Joel Teo

If you ever wondered about the most profitable investment avenue, real estate investment comes out tops. Did you know why? As population rises, demand for services and quality living space is bound to grow. Families would look for residences and business would want more offices. Naturally then, owning a piece of real estate would bring higher returns in the form of rental income and capital appreciation over time to beat inflation.

Before you jump at the friendly next-door real estate agent with dreams of cornering a property in the most glamorous district in the city, do your groundwork well. Here are three simple ways to success with real estate investment.

• Determine your time span and budgetary constraints.

• Do a thorough research on the investment.

• Stay motivated to make real estate investment an ongoing habit.

The first step in your attempt to invest in property consists of making a realistic estimate about your finances. You need not save up for the entire value of the property. Even if you decide to purchase a mortgage, the lender would first ask for your financial position. So, calculate your present and potential future earnings, deduct living expenses, payment for other debts and outflows for savings. You can find out the sum you would be ready to pay monthly towards home purchase.

You should calculate the probable number of years for which you could invest in real estate. This puts a dollar value on your capacity to invest and removes ambiguity.

The second step is the most crucial and time-consuming. You must perform a detailed study of the trends in the real estate market. A few rules of thumb are:

• Concentrate your search closer to your area or at least within your state.

• Look for growth potential in upcoming areas.

• Personally inspect the property and the area a couple of times before making the decision.

• Consider areas with good infrastructure as these bring higher rentals.

Investing in real estate should not be a one-off affair. You must imagine property as a component of your investment portfolio. Hence, you must remain an active investor. Keep watching the trend and move out of unprofitable areas to more lucrative ones. Do not be disheartened by the occasional losses. With time and experience, you would make better choices.

Real estate investment calls for careful planning and methodical execution. It is the best way to make your hard-earned money multiply faster and easier. If you did your preparation well, it would be impossible to go wrong.

Copyright © 2006 Joel Teo. All rights reserved.
About The Author

Joel Teo writes on various financial topics relating to arizona estate goodyear investment real. Signup for his free online Real Estate Investing newsletter today and gain access to the “Six Day Real Estate Investment Profits Course” now at http://www.realestateinvestment101.info/Arizona.html 

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Overcoming Procrastination

 ReadQuick - get and share notes on books you've read.
by: Christy Geiger

Stop for a minute and think: What is the #1 project that you need to get done, but have been putting off? Every day you try to get to it, but other things just seem to catch your attention first, like answering e-mails returning phone calls, cleaning, taking care of little to do's on post it notes… tasks that suck you in and captivate you until you have no time left to work on what you’ve deemed important.

These IMPORTANT things are necessary to do at some point but are not critical or urgent to do right now. IMPORTANT tasks usually involve something a bit more tedious and time consuming, like filing, billing, writing, making follow-up calls, planning, marketing, etcetera. Since there is no immediate pressure to get them done, they remain in our mind and on our to-do lists as things we SHOULD do sometime. They absorb our energy as we begrudge the thought of starting the project and they actually eat our time as we subconsciously procrastinate, doing other little things that feel more rewarding first.

What to do? 1) Realize what your procrastination strategies are. What do you do when you have an IMPORTANT project to accomplish? What distracts you from working on it? What things usually get on the to-do list before it? Subconscious procrastination strategies are little and insignificant tasks that take up our time and energy, so we never get to what is really important. Although it feels good to check off 10 little things from the list, the result is that now there is not enough time for that big IMPORTANT project, so it waits another day. This waiting creates stress and the act of procrastination makes us ineffective with our time. Below are links to 50+ ways people distract themselves from what is IMPORTANT. What are your pet procrastination strategies? When you become aware of your favorite methods you are more likely to recognize them when you start doing them and STOP so you can really focus on and accomplish the IMPORTANT project. http://www.businessknowhow.com/homeoffice/procrastinate.htm http://www.geocities.com/TimesSquare/1503/procrast.html

2) "Eat your frog" first. Brian Tracey has a great book, Eat That Frog, which illustrates the basic concept of prioritizing. Tracy describes the most IMPORTANT task as your "FROG". He supposes if the worse thing you have to do all day is eat a frog, the rest of the day will be much better. Likewise, if you do the thing you dislike and avoid first, the rest of your day will be great. You will find that you have more energy because you feel charged that you already got "IT" off your plate. You will have more time; because you are encouraged by your success and are motivated to do more important things that really matter. You are more efficient, because you have a clear mind without nagging tolerations of things you SHOULD be doing.

How do you "eat your frog"?

A) Identify what is IMPORTANT. Important things are items that need to be done, but will not kill you if they are not done immediately. Note: this is in contrast to urgent. Urgent are things that MUST BE DONE immediately. Often people get in a cycle of making everything urgent. If everything is urgent in your life one of two things has happened: you are mislabeling, or (more commonly): you have let the IMPORTANT projects go too long until they’ve become urgent. The problem with always working in urgent mode is this quadrant does not maximize productivity or give long term solutions, just short term fixes. It might feel good and seem productive as you run around putting out fires, but internally it causes you to feel stressed confused, frustrated and overwhelmed. In contrast, when you stay on top of the IMPORTANT projects, you will amazingly have more energy, more time and be more efficient in dealing with everything else that comes up. Really, I challenge you to try it out.

B) Do it FIRST. Before you go to bed, pick your frog for the next day. Then when you get up, before you do anything else on your to-do list (including urgent things – unless it is a real emergency), eat your frog. Block time in your schedule for uninterrupted focused time. No phone calls, e-mails or talking, until your frog is eaten. Know how much time your frog will take to eat, so you can consume it before interruptions are unavoidable. By creating an hour of "no interruption" time, you will be most focused, productive, and effective in eating your frog.

Actions:

1) Make a "to do" list nightly

2) Prioritize your "to dos"

3) Item #1 is your frog. Complete it before you do any other projects.

4) Plan for FIRST THING, uninterrupted time.

5) Know and be aware of your personal, subconscious procrastination strategies

6) Make it your goal to complete the next 5 top priorities before moving on to other things on the list.

Copyright 2006 Synergy Strategies
About The Author

Christy Geiger, owner of Synergy Strategies, offers coaching & training programs designed to build solid visions, goals and strategies that increase organizational and employee effectiveness, saving time, energy and money. Christy will work with you to design a program that will maximize your strengths and address your needs so that you and your people operate with passion, purpose and productivity. To get connected with the resources you need to drive, thrive, and play to win, visit Christy online at http://www.synergystrategies.com/ or through email at Christy@synergystrategies.com! 

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Student Loan Debt Consolidation - How To Reduce The Burden Of Student Loan Debt

Catch a Gideon 
by: Brad Jacobsen

It’s not enough as a student earning good grades, graduating, and landing a job with a good salary. What makes it more difficult is the rising costs of education, in tuition fees, books and the cost of living during the years being in school. There is no question that the trends of college and university prices have rose steadily over that last decade. During the 2004-2005 academic year about $129 billion in financial aid was distributed to undergraduate and graduate students. In addition, these students borrowed almost $14 Billion dollars from non-federal sources to help finance their education according to the report Trends in Student Aid (2005) from the College Board association. With an adjustment to inflation the total financial aid given to undergraduate and graduate students has increased by almost 100% from 1994 to 2005.

Why have students been borrowing much more today?

There has been a widening gap between the cost of university and college tuition and aid in the form of grants causing students to borrow more. Many students look at taking students loans as a good investment because it allows them to complete their education with better odds of a getting a better job and life. Because Students are borrowing more and often taking out multiple student loans today, however, it could lead to financial burdens. This would delay things like buying a new home, car, getting married, and raising a family.

How can student loan consolidation help?

Also known as a federal consolidation loan, repays some or all of the outstanding eligible federal student loans and replaces the multiple payments that are made with one single payment. The payment terms can even be extended to make the payments more affordable. The interest rates are fixed rate for the entire term and is calculated as the weighted average interest rates of your consolidated loans rounded up to 1/8% not exceeding 8.25%.

Which student loans can be consolidated?

1. Federal and Federal Direct Stafford (subsidized and unsubsidized)

2. Federal and Federal Direct PLUS SLS (Supplementary Loans for Students)

3. Federal Perkins

4. Federal Nursing Student Loans (NSL)

5. Federal Health Education Assistance Loan (HEAL)

6. Federal Health Professional Student Loans (HPSL)

7. Health Professions Student Loans (HPSL) Loans for Disadvantaged Students (LDS)

8. Federal Insured Students Loans (FISL)

If a person has bad credit, can they still consolidate their student loans?

Under the federal student loan consolidation program, no credit checks are necessary, however, if any loans are in default, three consecutive payments must be made prior to consolidating the loans.

What lenders consolidate student loans?

The Internet is an excellent resource to compare student loan consolidation lenders rates and offers. It is just a matter to take some time and compare different incentives between lenders.

Lenders may offer added incentives to consolidate student loans. For example, depending on the balance of the current student loans, some lenders may offer a credit or an interest rate reduction if payments were made consecutively on time. Or, if a married couple has individual student loans and want to combine and consolidate their loans.

It should not be a strike against anyone requiring student loans to get through university or college nor having a delayed hardship when a person graduates and gets back into the work force.

About The Author

Brad Jacobsen writes about student loan debt consolidation and you can read more articles, tips and helpful information including Free no obligation quotes at: http://www.ez-mortgage-quotes.com/consolidation+information+loan+student.htm 

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What You Really Should Know About Your Credit

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by: Anthony Rockefeller

How Is Your Credit Score Calculated

The truth is that we actually do not know exactly how your credit score is calculated because it is one of the most guarded algorithmic equations in the world. What we do know are some guidelines and some common trends learned from years of studying millions of credit reports. There are five main factors that will determine the overall score. Some factors are weighted more heavily and will have a greater influence on your actual score. Here are some guidelines:

Payment History & Late Payments: Your payment history and how many late payments are recorded on your credit will determine somewhere between 30 – 35 % or your overall score. This section takes a look at if you pay your bills on time or if they are late. If there are any late payments, it is taken into consideration how late those payments are. They can report as 30, 60, 90 or 120 days late. Each having a greater negative impact on your score. If the accounts been sent to a collection agency or a judgment lien filed against you, the score will decrease by an even greater amount. Bankruptcy will also have an adverse affect on the score. Chapter 7 will cause a larger drop in score than a Chapter 13. Conversely, the accounts that show no late payments will help increase the credit score. Scores will also continue to improve the further in the past the late payments occurred. Typically after 24 months, the negative impact of late payments drastically decreases.

Blend of Accounts: The overall combination of what type of credit accounts you have determine somewhere between 6-9% of your total credit score. Typically, the more even the blend of installment loans, mortgage loans and revolving loans the better your chances of having a higher score. Accounts that can have a negative affect on your score are store cards that typically have interest free periods such as furniture stores, clothing stores and electronic store. Since these accounts will never leave your credit history, they will never stop having a negative impact. It is better not to carry those types of credit.

The remaining breakdown is available at my website. Please visit so we can help you learn about your credit and improve it in the future.

About The Author

Anthony Rockefeller has worked with the 3 major U.S. credit bureaus and has also worked with major mortgage companies and lending institutions. He is an expert in the field. To read more about your credit score and how to fix bad credit, visit his site http://www.questforabillion.com/How_is_Your_Credit_Score_Calculated.html. 

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The Simple Way To Start An IT Company

 by: Emi Gal

This is for all the idea-geeks out there who’ve been wanting to launch that brilliant, innovative, new, fresh web 2.0 application, design agency or development company but got stuck where 90% of the people do. Funding.

So here’s 5 simple steps that have done magic for our company.

1. Don’t be afraid.

Statistics say 90% of the people prefer a smaller but safe income than try something on their own. Statistics also say that 50% of the businesses get flushed out the toilet. So I guess that fear is justified, ha? Well, if you ask me, it isn’t. How do you know you’re business isn’t going to work if you don’t start one. Go ahead. Work on your smart idea. Make a business plan. Focus on what you have to do rather than what you’d like to do. Compromise.

2. Get money in.

You’d like to invest some money but you don’t have them, ha? No problem. Our days, all it takes is a website and a few referrals to get you rolling. Build that nifty presentation website. Print your short and clear business plan. Talk to your parents, friends, colleagues. See if they’re interested in joining you on your new adventure.

After you have some money in, say… 500 dollars, start looking for web design clients (people/companies that need websites). You don’t know how to build websites? No problem, we’ll get to that part too. Bid on freelancing websites. Post announcements in the newspaper. Do everything you can to get that first client. The rest will follow.

Ok, so after you get that first web design client, how do you build his website? Well, outsourcing. Find a Romanian, Indian, whatever company that will build it, for a lot less money you’re going to get from the client, I can assure you. You’ll see that the 500 dollars you spend on outsourcing will triple after your first project. Nice, ha?

4. Don’t spend what you earn

Working with outsourcing companies brings you a big advantage: you don’t have any expenses. No programmers/designers to pay, no office rent, nothing. Just pure profit.

Raise the money for that nifty web 2.0 application or whatever project you want to launch. When you think you have enough, outsource the project. Get the same company that has worked for your clients’ projects work for you now.

5. And if you only want an IT company that builds websites, creates web, desktop or mobile apps…

…stick to outsourcing. Get a good western Project Manager that will be the interface between your Company and your Clients. Take advantage of the internet and develop all your projects with Outsourcing Companies. It’s the best thing an IT Company can do.

That’s about it. I’m sure it doesn’t answer all your questions, and it’s possible that you don’t agree with this strategy, but Comments are open

About The Author

Emi Gal is a young and enthuziastic Romanian entrepreneur, programmer and mathematician. He currently runs Brainient, a software company located in Romania, with representatives in France and UK. For more details check http://www.brainient.com. 

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eBay Affiliate Program

by: John V. W. Howe

Learning about the eBay affiliate program and how it functions within eBay can be time well spent toward developing an effective affiliate program.

Did you know that eBay has an affiliate program? This is sometimes overshadowed by the sheer size of eBay, but you can make affiliate income from eBay.

Here is how it works. Go to the http://affiliates.ebay.com and sign up. This will direct you to Commission Junction (www.cj.com) which handles the commissions for eBay. You should spend time on Commission Junction after you join to see all the other affiliate programs that you can join as well as eBay. You will be amazed at all the affiliate programs that are available on Commission Junction.

You will notice that you can become an affiliate of eBay in several countries. If you speak the language of another country, you can become an affiliate of that country if you desire. I am an affiliate of eBay USA, Italy, France, UK, Canada, and India. I am not active except in the US and Italy. Italy you say! No, I do not speak Italian, but I found an Italian translator through elance.com who helps me with my Google Adwords ads that drive traffic to eBay Italy. When they join and buy, I receive my commissions in US dollars through Commission Junction.

If you refer a person to eBay who is not a member and they join and purchase an item, you get referral fees and a commission on the sale. eBay recently increased its fees. These fees changes will help the smaller affiliates make more money at lower transaction volumes.

Currently, the initial fee for causing someone to join eBay is $12.00. Under the old structure, this covered the first 499 people. Then the fee rose to $16.00 each over 499.

The new structure still pays $12.00 for the first tier, but the tier is for 1 - 49. At 50 - 499 the fee is $16.00. This structure is much more favorable for the little guy.

To understand how this all works, go to eBay and study it. The fee structure is located at http://affiliates.ebay.com/revshare.

Learn about the eBay affiliate program and other affiliate programs on the Net. Affiliate programs when used correctly can make you money without having to monitor them constantly.

Good luck as an affiliate of eBay.

About The Author

John V. W. Howe is an entrepreneur, author, inventor, patent holder, husband, father, and grandfather. He has been involved in entrepreneurial activities for over 40 years.

He has founded http://www.boomer-ezine.com, http://www.retirement-jobs-online.com and http://www.boomer-entrepreneur.com to help Boomers (baby boomers) become entrepreneurs when they retire.

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Business Banking – Keeping Your Accounts Healthy

by: Joseph Kenny

There’s no room for complacency when it comes to running a business, and running your account is no different. You should check your statements carefully, and have a periodic review of the market to make sure your account is still the best one for your needs.

New accounts and special offers crop up all the time, and it may be worth your while to change banks. You can also point out the competition’s rates when negotiating terms with your own bank – often these are flexible and a bank may offer you improved rates if you hint that you are considering taking your business elsewhere. Stay on top of bank charges, and if any show on your account that you do not understand, contact the British Bankers’ Association for more detailed explanations on charges and interest: www.bba.org.uk

There are ways to minimise charges and run your account as smoothly as possible:

1. Automate Your Account

If you have frequent customers, you could encourage them to make payments by direct debit or standing order. The more electronic payments you have, the fewer charges you will incur. The same goes for your expenses – try to use automated services for all your regular payments.

2. Bank Online

If your bank account has online facilities, make use of them. It is both more efficient and cost effective. Larger businesses may be offered ‘PC banking’, which involves special software being installed on your accounting computer, so that your accounting system is linked directly to your bank.

If you find yourself struggling, for example if cash is short and it’s becoming difficult to meet the repayments on your loan, the best course of action is to visit your bank and renegotiate your account. You should do your best not to exceed any overdraft limit that has been agreed, and stick to the terms of your account. If you break the terms of your agreement there can be stiff penalties, such as referral fees and administration costs.

If you accept a cheque which then bounces, you will lose the money owed to you and also incur a charge. Be sure to write the number of the cheque guarantee card on the back of all cheques

You should also keep your records scrupulously accurate – noting all transactions and crosschecking your records with your bank statements. Not only will this mean you can query any discrepancies, but it will make filling in your tax return much quicker and easier!

About The Author

Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk and also http://www.cardguide.co.uk 

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Banks - Friend? or Foe

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by: Samuel Quino

We all have bank accounts, and we all rely on banks to safekeep our money. We rely on them to extend different kinds of loan for our different needs. Therefore, we all have high regards on this institution whom we all considered as our friend.

Are they really? Lets find out...

What the bank disclose about your bank records

Most banks have certain policies on the disclosure of your personal information to private individuals. They all have rules regarding the information it will make available. They never divulge information unless there is a court order. But it is not the same when people from credit bureaus or genuine grantors of credit, inquire about your bank records.

Banks usually are very open in supplying information. Especially if you list the bank as your credit reference.

The following are the information the bank usually discloses:

1. Checking Account status - whether it is good or there have been overdrafts.

2. Loans - if you have existing loan with the bank. They even give the information on how long the loan is and if you are making the payment on time. Also the type of loan you have with the bank, mortage, personal loan or auto loan.

3. The size of your savings account - they don't usually give the the exact amount but they give the idea how much by providing the number of figures of your deposit.

Banks give credit institutions updated information about your available credit and the manner you are paying your loan. These are at times the basis of credit card companies in giving your maximum allowable credit lines.

A good number of merchants inquire from the bank if the check you are presenting is good. They also inquire if the credit card you are presenting can cover the amount you are purchasing. They don't give the exact amount but they will tell if the merchant can go ahead with the transaction.

Now, the question is, can we prevent a bank from giving out this information?

The answer is No.

It is virtually impossible to stop them from giving away the information on your bank accounts. Unless, you are doing business with a very small bank and they know you well. You can always request them to withold any information on your bank accounts. This is especially true if the bank is not automated.

The only setback of this is, if you wanted your credit grantors to get the necessary information on your bank accounts to be able to obtain additional credit more easily.

Banks Play Tricks with Interest

Loan officers play tricks for banks to earn an additional 1/4% or even 1/2% from borrowers. Here are some of the tricks to watch out.

1. Loan officers prefer to do the negotiation at the bank. Since it is a familiar territory, they have the advantage over the borrower.

2. They don't mention the interest rate at all. They just fill it in on a note.

3. They will give you an x% since you badly need the money today. Promising to discuss it later for a much lower rate. He hopes that you'll never going to bring it up again. Certainly he won't.

4. They will talk as if the rate for a certain type of loan is final and no longer negotiable when in fact there is always room for negotiation.

5. They intentionally postpone the rate discussion for as long as possible, hoping the borrower will weaken under deadline pressure.

6. Emphasizing on how little the interest cost after taxes, comparing it with finance company rates, secondary mortgage rates or the cost of equity capital.

To counter some of these tricks, you may want to try these.

1. The first question you should ask to the loan officer is the interest rate so you will have this information as your basis for future negotiation.

2. Do the negotiation in your office not at the bank. This will give you a familiar ground.

3. Negotiate everything as a package including the rate, repayment schedule, collateral, compensating balances. Remember, bankers strategy will be to try to nail down everything else and then negotiate interest rate when the borrower has no more leverage and no room to maneuver.

What Banks Don't Tell You

1. Some banks say they let you draw on all checks immediately, provided you put up another bank account as collateral. Truth is, if a check backed by a six-month certificate bounces, the bank can break into the certificate before maturity. If it happens you will have to pay an interest penalty.

2. Banks like to publish their effective annual yield, whereas money-market funds are legally permitted to advertise only the simple interest rates. The long standing rule inadvertently conceals the fact that money-market funds do compound interest on a daily basis. If a bank and a money-market fund pay the same rate, the bank will appear to offer more by advertising the effective rate.

How Safe is Your Bank

When banks run into financial problems, they behave like any other troubled company. They sometimes try to hide problems and limp along the best they can. Here are some signs to watch out.

1. There's a high turnover among the officers.

2. Paperwork and record-keeping become sloppy.

3. The bank encourages customers to extend credit when officers know it really isn't necessary.

About The Author

Samuel Quino is the website publisher of http://www.guide-2.com, where you can find ways to transfer money overseas.

Visit http://Guide-2.com now and get your FIVE Free-Bonus-Giveaway Ebooks upon sign-up.

 

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Adsense Income Secrets to Success

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by: John Sullivan

Adsense sites need planning and work to be successful. If you are thinking of producing sites for adsense income, or perhaps you already have sites that are not producing a good income if any.

To be successful, takes a lot of work no matter what you may read because there are so many people promoting products that promise to make adsense income easy.

Well some of these products may help, but there is no simple solution to receiving great income quickly.

Extensive planning is required before you start. It is important to carefully consider the topics or niches that will be targeted. It is very important to see what type of competition there is for certain niches.

If you are beginning with your adsense sites, it is better to start with niches that are not too competitive. The reasons for this are that in any niche it will take time to get traffic to the sites and make money.

Extensive keyword research must be carried out before building new sites. It is far better to target say 20 keywords that are not at the top of the keyword results.

Many newcomers make the mistake of seeing the high prices that certain words achieve, but do not realise what is involved to compete with these words.

So choose 20 related words to the main keyword, and then build a page for each of these sub keywords. It is very important to have closely themed sites as well, meaning that you are not trying to offer information on a variety of subjects.

Search engines are now looking for sites that offer their visitors good quality information following the keyword searches entered.

It is also important to have sites that are easy to navigate, so that visitors are able to find what they are looking for easily. Clear navigation linking is essential.

Another point to remember is that search engines will reward sites that are constantly updated with new content. It is best to work to a plan with new sites that allow new content to be added on a weekly basis.

Incoming links to sites are very important to achieve good rankings in the search engines. There is only so much on site optimisation that can be done. This includes different keywords and descriptions for each page, use of H1, H2, H3 tags etc.

It is essential that good quality original content is offered to visitors. Due to the abuse that occurred in the past where many people were using various software to produce hundreds of pages of worthless content in literally a matter of minutes to try to make money with adsense.

It is a good idea to work on getting links back to sites on a weekly basis also. Another good idea is to register with directories also on a regular basis.



Adsense can be a good source of income, but it involves a lot of work before the results appear. Extensive research must be carried out to check competition. It is vital to do thorough keyword testing. Then produce sites that are closely themed with a separate page for each targeted keyword. Then new content and links must be on the agenda for good adsense results.

About The Author

John Sullivan is the owner of 1st Make Money Online, the site that will offer help to anyone looking to make money online. http://1stmakemoneyonline.com

 

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Three Things You Must Do If You Want to Make a Million Dollars From Your Internet Business

Catch A Gideon

by: Aaron S Krall


Stop. You might think you know a thing or two about sales. Well, keep reading, cause your going to find that maybe you didn't really know as much as you think you did! Whether you already have your own business or tinkering with the idea that maybe, someday, you could gather the guts to quit your job and start making a KILLING selling on the internet, these three tips will help you either boost your sales, and give you some fresh new idea to think about, or give you the umph that you need to get out there and fulfill your dreams!

1. Don't Get Emotionally Involved

One big mistake that most new business owners make when they start is making the mistake of getting emotionally involved with their product. They have just what there customers need and they know they can sell it. They fall in love with it. It becomes there little baby. When someone says, "Hey that's a dumb little doohickey, that will never sell!" or "Golly Bill, I think you should change this here and make this a little better", they FLIP OUT. DONT FALL IN LOVE WITH YOUR PRODUCT!! Your should probably hate it by the time your done with it. You'll never want to see it again after you've made a couple thousand of it. Let it go. Move on to the next thing. If you want to make money, sell what others want, not what you think they want.

2. Are They Hungry?

Someone once asked, "If you owned a restuarant and could have any advantage over your competitor, what would it be? Would it be 10 biliion dollars in advertising? Would it be a McDonalds franchise? Burger King? Would you have a secret sauce? Dancing Clowns? What would it be?" Good question, wouldn't you agree? These answers all sound pretty reasonable, but there is better answer. Do you know what he said? "A hungry crowd." Think about it. Your at the amusement park. You just paid 60 bucks a pop to see a 40 year old man dressed up like Mickey Mouse, and your starving. How much for a hotdog? $10. Is it the best hot dog you've ever had? Nope. But your hungry and they are the only ones selling food. You can sell anything as long as you sell to customers that are hungry. remember that and you will never fail in your new business.

3. Sell What They Want, Not What They Need

I remember a "Calvin and Hobbes" one time where Calvin had set up a little booth with a sign that said, "Kick In the Pants: $5.00". Hobbes walks by and asks, "How's business Calvin?" He responds, "Horrible! I have what everybody needs, but I have't sold any!" True, isn't it? (No, not that everyone needs a kick in the pants, although I can think of a few that need one), but that people only buy what they want! I can think of numerous examples of very smart people, who have created some amazing products or services that are just great, but becuase nodoby wanted it, they failed miserably. When you come up with a product, make sure it's what people want. How can you know something like that? Do your research. Find out what people are buying and sell them something simliar. I suggest the overture search tool, or google adwords. Peoples wants change often, so stay on top of your game! Of course it has got to be something unique, and quality. But, if you have something that they want, and it's an irresistible offer, they will buy.

So there you have it you information marketer entrpenuer you. Three tips that will help you clear your mind, think of new products, and keep you on the edge of your competition.

www.newbiesguide.truforyou.com

This is a "Shareware" Article
(what's that? read on...)

This article is shareware. Give this article away for free on your site, or include it as part of any paid package as long as the entire article is left intact including this notice. Copyright © 2006 aaron krall.


About The Author
Aaron Krall is an entrepenuer and information marketing guru. Aaron has studied numerous books, tapes and seminars from other marketing gurus such as Dan Kennedy, Ron LeGrand, Bob Allen and numerous others. He is in the process of quitting his current job as a salesman for Cingular Wireless, becuase of his unconquearable desire to make money on the internet and help others do the same. "Starting a business can be overwhelming" he says, "but if you know how to do it, you can get a business started in under a day." He suggests this website if you are serious about setting up an automated website that can generate a huge cash flow with residual income: http://www.newbiesguide.truforyou.com

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5 Money Generators in Internet MLM

by: Lickhau Loo

Catch A Gideon

1-Money Generates Money

There is no FREE lunch out there. If some one tells you that you do not need any money to make a profit, you better think twice. Any business is an investment, any investment cost money. Any business needs advertising, any advertising cost money. Advertisements generate leads, leads produce money. There are ways to promote the business without putting any advertising budget but it takes time. Time is MONEY. Any businesses out there need to have advertising budget to attract customers. There is no different in Internet MLM business.

2- Hard Work Generates Money

Internet marketing is not about overnight success. It is a real business that needs substantial degree of hard work to become successful. Anyone who has a job know that in order to get the pay check, you have to put in certain amount of time. The concept is the same in Internet MLM. The only difference is you are actually building your own business instead of building people’s business. That is the reason why the pay check is fixed on your pay job while the pay check has huge variability on your Internet MLM business.

3- Knowledge Generates Money

Everyone gets pay for their knowledge. You, Bill Gates, Michael Dell, Pierre Omidyar, Sam Walton and Warren Buffet get paid because of the knowledge. What is the different between you, Bill Gates and those billionaires? You probably know the answer by now. The point that I really want to make here is challenge you to learn more in order to earn more. Please refer to the post “Blueprinting in Internet MLM” to get more ideas of what knowledge can bring you.

4- Quality Content Generates Money

It is all about quality in any business. If your business can provide quality to customer, the greater the return, right? There is no difference in Internet MLM business as well. We have to find company that can provide great quality or value to customer, once customers see those benefits (quality), they will in turn join the program and hence generate income for you. Is that simple! This is the reason why I love GDI (http://freedom.ws/soxloo) and Success University (http://lloo1.successuniversity.com) because both of them provide great values to me.

5- Internet Generates Money

There are about 6.5 billion people on the planet and about 1.1 billion of them use internet (Source from www.internetworldstats.com/stats.htm) and the growth of internet user is growing exponentially over time. Imagine if you can share a piece of this pie, what is the return? That is the reason why we need to generate traffic into your website. Any traffic that visits you has a potential to generate income to you. 4 money generators that we discussed earlier lead to this. Prepare some budget, work hard to learn about the business and create quality content to attract traffic to your site.

A positive altitude causes a chain reaction of positive outcomes. It is a catalyst... a spark that creates extraordinary results!


About The Author
Lickhau Loo is an Expert Internet Marketer. You can learn How to Make up to $2,000 a week wihout risking a penny in 3 easy steps http://www.unlimitedwealth.ws mailto: lloo@unlimitedwealth.ws

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Design Your Financial Future in 3 Simple Steps

It is no surprise if you ever find that many people are currently deep in debt, their thoughts of climbing out of a financial pit may seem impossible. Everything, especially the future, may seem so bleak and depressing and almost everyone would give up the possibility of ever being financially free or at least financially burden-less.

If you are in this situation and want to make a change, You can and will succeed. The first thing you need to do is to change your mindset. Stop thinking life is impossible. Whenever you find yourself having negative thoughts, change your actions and change your thoughts. It may sound impossible but the more you dwell in self pity and sense of helplessness, the worse you become. By changing, you can accomplish more by doing something to take your mind off the negatives of what you're doing or thinking about.

Being financial free can be defined as a state whereby one no longer has to worry about income and expenditure. Being financially free means that one can afford most things one's heart desires without it becoming a burden later on. The destiny will then be in your hands. You need no longer count on an employer or even the government to pave the path to the future for you. If you want to be financially free, the only person who can help you do this is to do it YOURSELF. You must sit down and get serious about making your own financial plans.

To start it all, you would have to deal with is a sound spending plan. You spend only within what you are capable of spending. Many people nowadays spend beyond their means. Write down everything you think you may have to spend on in any given month. For instance, you'll want to include things like rent, food, clothing, education, phone, utilities, traveling, debt obligation, medical, gifts and even alimony (if any). Everything thing you are expected to spend on should be recorded neatly. Calculate this against your income. Make sure your expenditure does not exceed your income. This may seem elementary, but nothing is further from the truth. A great rule of thumb to follow is if you can't afford it - don't buy it! The biggest culprit is not to overspend especially on credit.

Secondly, comes savings. Anyone without savings is without a future. Put it this way, if you saved up $1 a day, you'd have $30 sitting in your account at the end of the month. If you saved up for 3 months, you'd have $90 as backup. We're not even looking into the interest you will earn yet. It can work out to be quite a big sum of money in due time.

If you stick to your spending plan and continue saving some money every month, you'll then evaluate your own level of risk tolerance. How much risk are you willing to take with your money? Different people have different level of risk tolerance. Don't compare yourself with anyone. Compare yourself to you. How much loss can you tolerate?

From here on, let your money work for you. You are essentially on your own. Whether you decide to start your own business, get involved in network marketing, freelance, continue being employed, invest in stocks and bonds, share market, hire a professional financial manager to keep a tab on your money... whatever, the risk is yours to take. Make sure you have a clear objective of what you do.

There's no fixed path to financial freedom, therefore, everyone have to design his or her own journey. Whatever it is that you decide to do; you must remember to save for your future and keep to your own spending limit.

Copyright Sherwin - http://www.internetbusinessfranchise.com/

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8 Common Ways How People Make Money on the Web

 Many people are making money on the internet. In fact, it is so lucrative that many have also gone full time. Today, I am going to share with you 8 ways in which people benefited in the online business.

These methods vary and you can start a business with little or no capital at all. How effective is it depends on how you promote it. You will need to check with your city, county, state, and federal government bodies on licensing requirements for what you are interested in. It will vary widely for where you live and what you are doing.

1) Starting off with information products, such as E-books that can be downloaded into a customer's computer printing expense. There is also E-Zines and newsletters that can be written and e-mailed to subscribers. I would recommend you can give these items away for free and allow others to give them away which will viral advertised for you at no cost and direct links to your site. Another form of sharing information on various subjects is through article writing like this one which you are reading, This way it will also help giving you links to your site.

2) Google Adsense is a powerful program that works by giving you a piece of code to paste into your web page. Visitors click on small classified ads that come up through this code onto your web page. The small classified ads have information that is similar to the content that is on your page. When a visitor sees a classified ad that interests them they can click on it and they will go to that site. You then are paid for every click that a visitor clicks on. Google Adwords is the reverse of this where your classified ad(s) come up on other people's websites. The visitor sees your ad and they click to your site and you pay for each visitor's clicks.

3) Search engine pay per click works by purchasing keywords that people may use in a search. Keywords are bid like an auction with the highest bidder at the top of the search list, then the second highest bidder goes second, etc. Yahoo and Google are the main forces in the Market. Yahoo's program is called Yahoo Search Marketing and Google's is called Google Adwords which is part of the same program as mentioned above. A keyword can be a multi-word phrase such as "auto restoration" which is bid as one word or another example "classic car restoration". You can bid on more than one keyword to bring people to your website. The keyword comes with a short description of what you have to offer like a classified ad which will show in the search results or other sites.

4) Many people are making full time incomes on Ebay. There are some great techniques and strategies for selling on Ebay. There are various ways to write the auction listings and to deliver the products. They also have stores available that can be purchased on a monthly basis saving money on listing fees. Items can be seen in your store from your regular auction listing, they will come up to be viewed by the visitor with a direct link to these products taking them to your store. However, selling on Ebay is a skill that must be learned by reading and experience to take it to the top levels.

5) Having your own Blogs are great and rewarding for people. A blog is short for weblog and is basically an online journal. It can be about personal items, points of view, opinions, thoughts, comments, and ideas. These can also be more of a newsletter style used for business. These blogs can come up on searches and inform people of products and services.

6) If you are into writing software, it is also an excellent or even some say one of the best ways to make money on the web. Many are giving away free cut down versions or a free trial and selling the full version direct from their sites. Overhead is very small and product delivery can have little or no costs. A small program or computer script that solves a common problem can spread all across the web in a short time.

7) Don't discount on setting up internet forums. It is also a successful way by building interest and popularity in a website. people all across the web can have discussions about your site's specialty. Website design is a highly paid profession. You can sell templates of a basic site across the web or give the basic template away to interest new customers and offering the new customers a customized site if they want one for a fee.

8) The last and by no means least way, is the Search Engine Optimizing (SEO) method. This is a powerful profession, which is helping businesses get high rankings in the search engines by building the websites with links and content.

As we are approach the coming of a new Century, traditional businesses will have to give way to new methods and that is through the internet. Change is imminent. Would you be ready for it?

Copyright Sherwin - http://www.internetbusinessfranchise.com/

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7 Things You Should Know On How to start an on-line Business

Here is a little info that could help people on how to start an on-line Business. It is not a get quick rich scheme, but a business which involves hard work and dedication. However, it is most rewarding to see huge amount of money coming in when you succeed.

Let's take a look at what you should know:

1) Finding Something Profitable to Promote On Line. You can find/build a product or service your self and market it via the internet to generate sales. This does require a lot of work, time and dedication in building that side of the business.

The other option, which is by far the most popular, is to promote a product/service for another company, receiving a commission for every sale you generate. This is called an "Affiliate Program", if you search on Google for Affiliate Program you will find heaps of info and companies that you can work with. A big bonus taking this route is that these companies offer help, advice and promotional material to help you generate sales. You also have the added bonus of not stocking/shipping/billing the products or services. A type of an affiliate program that I personally have had excellent experience with is promoting Premium Rate Services. The most popular service by far is the dating services, men wanting to chat live to women. These services are accessed via a premium rate number, charged at x per minute. I receive a percentage split of the tariff the service is on, for example $1/min. That $1 would get shared between many people. The Telco (The Company that supplies the numbers) would take 25 cents/min, the Operator would receive 25 cents/min, and the Service provider (The Company that sets everything up, employs the operators, sets up the numbers and is the company that pays everyone) would take 5 cents/min. The rest goes to the promoter/media owner – 45 cents/min. Doesn't sound much but it builds up quicker than you think, the average call duration is 8 minutes, 45 cents x 8 = $3.60 per call.



2) Research your Competition How can you design your site better than the others? What content can you add that others don't? What would make your visitors want to buy your service/product? What are your Target audiences? Why would people re-visit your site? This is where you have to spend at least 2 weeks visiting your competition, learn what they offer, how they get traffic. Find as much info as possible.

3) Planning Your Web Site: start planning content for your site. Pictures, wording, games, newsletters, tools your visitors can use. Content is King! A visit to www.wordtracker.com is essential to look for keywords. You need to plan your web site as much as you can. Think about what pages you are going to have, what content are your visitors going to enjoy etc. They say "Content is King" And I couldn't agree more. The more content your site has the better, for Search Engines and your visitors! The better you plan your web site, the better the outcome!

4) Lear On Site SEO (Search Engine Optimization) Learning On Site SEO before building your site will help you design your site around the SEO rules, which are vital if you are want traffic from Search Engines. To learn the basics of SEO, www.seochat.com is a good site to get going.

5) Designing a Web Site. I always say to people starting out, you don't have to learn Web Designing. You can get a site built for peanuts these days; it just isn't worth putting your efforts and time into learning any web design/programming work at all. Of course a lot of people would disagree this, but I'm going on my past 5 year's experience.

6) SEO, Search Engine Optimization. The reason I suggested that it's not worth learning Design (If you are in the early stages) is because I think that your time and efforts are better spent in learning SEO. Getting people to come to your web site is hard, but manageable if you follow the rules. The more people who visit your web site, the more money you will make.

7) Off site SEO. You need to build links to your site, which is not easy. Submit your sites to as many directories as possible, email other webmasters for a link exchange, research on-line on how to obtain more links. I spend 2 hours a day trying to find links and thinking of ways that I can get more links. If you have something on your site that other sites would want to use, then they could link to your site. This is the best method I have found to date. You can also try forums, adding a link in the signature of your posts.

All the Best!
Copyright Sherwin - http://www.internetbusinessfranchise.com/

 

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A History of Money and Banking Secrets That Banks Don't Want Published

This is a history of money and the reason a Federal Reserve Note isn't backed by gold or silver anymore. You will learn unforgettable information about money, debt and where banks get the money to fund your credit card or loan.



A History of Money and Trade



To start with a history of money and debt, we must go back many years ago when people used to trade their wares for the things they wanted and needed.



In place of money or Federal Reserve Notes, you could trade a well made pistol for a cow, which you could eat or trade a remainder of for other items like clothing.



It didn't take long for people to realize there needed to be a more efficient means of trade. If you were a farmer, it was too difficult to carry baskets of fresh corn around to trade for a new horse. And, the person selling the horse might not want any corn at all.



A History of Money and Gold



So, people used gold for cash money, which always had a stable value, to trade for the items they wanted and needed. This way the horse dealer could always trade the gold received from the farmer for the clothing he really wanted instead of having to take the corn.



In a history of money and gold, this only posed one problem. Gold was very heavy to carry and hard to conceal. In the beginning of our banking history what people would do is leave their gold with a goldsmith - http://www.fdrs.org/bnaking_history.html



The goldsmith would then give them a note, or paper money, that stated how much gold they had on deposit with the goldsmith (bank).



The farmer could then take this paper money note, say worth 50 to the horse dealer and buy a horse with it. The horse dealer could then spend this 50 paper note or go back to the goldsmith to pick up the 50 of gold that he had just acquired by selling the horse to the farmer.



Well, why would the horse dealer want to trade in the cash money note for the heavy gold, when he just wanted to trade it for clothing and food anyway. So, the note would continue to trade hands and very few people would ever go redeem it for the gold it was backed by.



It didn't take long for the goldsmith to understand this reality. So, here he is storing all of this gold for other people. Let's give it a value to make this next principle clear.



Let's say the gold he is storing is valued at 1,000 and there are 1,000 in real cash money notes backed by this real gold being circulated.



A History of Money and Loans



When many people wanted a loan for say a total of 1,000, he decided no one would notice and it would be real easy to lend them someone else's gold, well actually a funny money note which was a promise to pay gold upon redemption of the note. And, he'd only charge 10% interest.



In a history of money and loans, this caused another problem. If everyone came in to redeem their notes, there would not be enough gold to pay back everyone because there was only 1,000 in real cash money notes backed by REAL gold.



hat didn't matter to him, why not lend out to anyone who looks like they can repay? And, that year he lent out a total of 10,000 worth of newly created or you could say counterfeit, funny money notes. Oh well, who cares says the goldsmith, no one is coming in to get their gold anyway.



So, now there is 1,000 in real cash money notes backed by REAL gold, and 10,000 in funny money loans, thus 11,000 in total notes circulating. The goldsmith is charging his 10% or 1,000 per year of interest and don't forget every penny of the original counterfeited principal is his to keep. For simplicity, lets say he now stops lending!



A History of Money and Inflation



Lets look at what this causes. There is now ten times as much currency/notes floating around then there is real gold to back it. This causes the value of the original 1,000 to loose 90% of its value. Therefore to buy a horse now, it would cost 500. Thus, a history of money and INFLATION.



Everyone now has way more money then they did the year before, they feel rich. There are still the same amounts of products and services being sold, just a lot more dollars to bid for them, thus most prices go way up. This is called a boom.



Now the next thing this causes is for the 1,000 of interest and any portion paid to the principal of these loans to go directly into the goldsmith's pocket. Let's say over the course of the first year, the borrowers paid back 1,000 worth of principal and 1,000 in interest.



This means there is still 1,000 of real cash money notes backed by REAL gold. 9,000 in funny money loans outstanding, 9,000 in total notes circulating and the goldsmith has pocketed 2,000.



So, the goldsmith is now up 2,000 out of thin air, and there is now 9,000 in notes circulating which needs to pay back 9,000 owing. And the cost of everything has gone up ten fold. Now lets move forward another year.



Let's say over the course of the second year, the borrowers paid back 1,100 worth of principal and 900 in interest. There is still only 1,000 in notes backed by REAL gold. 7,900 in loans outstanding, 7,000 in total notes circulating and the goldsmith has pocketed another 2,000, totaling 4,000 thus far.



Let's say over the course of the third year, the borrowers paid back 1,200 worth of principal and 800 in interest. There is still only 1,000 in notes backed by REAL gold. 6,700 in loans outstanding, 5,000 in total notes circulating and the goldsmith has pocketed another 2,000, totaling 6,000 thus far.



A History of Money and Recession



People tighten up their spending for no apparent reason, but it is soley because there are less notes in circulation. So, prices start to fall. Businesses can't survive with the lower incomes, so they lay people off, thus giving even fewer people money to spend. And, now we have the beginning of a history of money and RECESSION.



Year four, the borrowers paid back 1,300 worth of principal and 700 in interest. There is still only 1,000 in notes backed by REAL gold. 5,400 in loans outstanding, 3,000 in total notes circulating and the goldsmith has pocketed another 2,000, totaling 8,000 thus far.



Year five, the borrowers paid back 1,400 worth of principal and 600 in interest. There is still only 1,000 in gold. 4,000 in loans outstanding, 1,000 in total notes circulating and the goldsmith has pocketed another 2,000, totaling 10,000 thus far, but 4,000 is still owed.



With only 1,000 in total notes circulating, people obviously cannot continue to pay, so there is one thing left and that is the confiscation of their assets, and the remaining 1,000 in total notes circulating. Can you say BANKRUPTCY. (which is now almost impossible)



A History of Money and the FED



Oh, I know says the goldsmith, I'll just have to keep lending this counterfeit money backed by nothing so they can work hard for me for free, and I will own every asset on this planet for free. So the goldsmith starts to lend out money again and lends out 10,000 the first year which again causes the BOOM. And, on and on it goes.



The only difference today is that there is no limit to the lending, so there's continual money being created which forces us to fight each other to get our hands on it, to pay back our own share of debt, while the price of everything skyrockets endlessly.



And, the goldsmith's are now called the Federal Reserve System and the funny money counterfeit notes are called Federal Reserve Notes. In the 1930's there was roughly 16 Billion in gold at Fort Knox, and now we owe 8,339,711,774,335.

Mark Cella

Mark A. Cella, Founder of the Federal Debt Relief System. You must read this article today.


View all articles by Mark Cella

 

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How to Start Your Overseas Real Estate Portfolio

Real estate is a tried and tested asset class and the majority of people agree that as a long term investment commodity there is nothing really to beat it for consistently returning strong growth and increasing yieldshowever, when a country's housing market goes temporarily cold as real estate prices move outside of the affordability gap, real estate investors often look overseas for the development of their property based portfolio.



Currently the real estate markets in countries such as the UK and US are slow and the ability to profit from property locally is reduced - therefore more people than ever are thinking about moving their focus abroad and starting an overseas real estate portfolio to enable them to build a passive income for life.



If you would like to learn more about building a passive income for life from investing in overseas real estate here are the main five considerations to bear in mind to maximize profit, reduce risk, increase yields and capitalize on opportunities as they present themselves but before we begin it is always prudent to mention that the value of any investment can always go down as well as up, and that investment decisions should be taken carefully and be made with the assistance of qualified and experienced advisors.



Tip One - Real estate markets around the world emerge, boom, go bust and re-emerge all over again, but they do so at very different points in time as each market is heavily dependent on the current state of the economy in the given country. As we all know economies ebb and flow like the tide and there is no such thing as a guaranteed market where property prices will keep rising. However, there are countries in the world going through major economic change where the real estate market is emerging and where the long term forecast is for a period of prolonged growth. An investor who is not risk averse and who is planning an overseas real estate portfolio should try and identify which countries have a strengthening economy and an emerging real estate market.



Tip Two - Having found an emerging market an investor needs to determine the key factor that makes an investment into real estate in the given country a good decision. I.e., if a country's property market is simply booming because of hype and an investor can see nothing to support the long term success of the market then they should walk away. If an investor can see massive room for growth but an interfering government who may attempt to restrict property investors from taking their profits then an investor has to decide whether or not they can still make enough profit from real estate to make any investment worthwhile.



Tip Three - Having determined that there is potential within a given market an investor needs to learn how to harness the power of other people's money! As real estate is an expensive and slow to liquidise commodity it is unwise to pay cash from personal funds for an investment property, rather it's wise to raise finance at a low interest rate from a secure financial institution. An investor should look into whether an international mortgage or a local mortgage is possible and affordable when buying overseas real estate.



Tip Four - As previously stated, over the long term real estate is considered by many to be one of the most consistently returning asset classes the key to this consistent success is however the 'long term' bit! I.e., when buying real estate abroad for capital growth and rental yield it pays to be able to keep that real estate for ten years or more to ensure the greatest reward is derived from the investment.



Tip Five - And finally, having determined that the key factors exist to suggest that a property market has legs to run and that any hype surrounding its progress is based on fundamentally accurate facts as detailed in Tip Two, an investor need to ensure they buy real estate that will suit the market demand that is making the real estate market successful! Therefore if the baby boomers are driving a given market consider buying single level properties in secure communities, if on the other hand the young professionals are driving the market think about purchasing well located, designed and facilitated apartments.

Rhiannon Williamson

Rhiannon Williamson writes about buying property abroad. To read more about buying property in Italy or property for sale in Italy click here.

 

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5 Steps to Becoming a Millionaire


Alan Olsen

Alan Olsen is the managing partner at Greenstein Rogoff Olsen & Co., a top Bay Area CPA firm. He focuses on developing innovative strategies for business enterprises and individuals. A specialist in income tax planning, he frequently lectures and writes articles on tax issues for professional organizations and community groups. His website is ranked among the top in the nation for accounting firms, featuring tax tools and business leadership articles: http://www.groco.com

By Alan Olsen

Published on 07/12/2006

In the year 2002, there were 17.1 million Millionaires in the U.S. By 2013, the number of millionaires will triple due to inheritance. For the rest of you, becoming a millionaire is within reach if you apply a 5 step plan involving the following areas: 1. Health 2. Spending 3. Savings 4. Investing 5. Career

In the year 2002, there were 17.1 million Millionaires in the U.S. By 2013, the number of millionaires will triple due to inheritance. For the rest of you, becoming a millionaire is within reach if you apply a 5 step plan involving the following areas:
Health
Spending
Savings
Investing
Career

Health

Take care of yourself. If your health is no good, you are not going to enjoy the rewards of a solid financial plan. Eat right, exercise daily, and discipline yourself. The most successful investors are those people who have the best discipline to stay with the program.

Spending

It's true, a person will always live up to the amount of income they earn. If you make the money, you are apt to find a place to spend it. The key to successfully saving is to spend less than you make and to also spend more money in areas that will actually preserve wealth.

Savings

A disciplined approach to saving reaps rewards in the future. While saving early in your career, allocate a larger percentage of your savings to stocks. A 35 year old with 10,000 and saving 500 a month will become a millionaire by age 56 if the money invested returns 15% per annum. If the investment rate of return falls to 10% per annum, the millionaire age is moved to 63 years old.

Investing

Focus on an investment portfolio that minimizes your fees and maximizes your returns. If you are not sure about the types of investments, consider low cost index funds such as the S&P 500 or Russell 5000.

Career

No matter how much you position yourself, your career will dictate how quickly you reach the millionaire plateau. You have to move above and beyond your job description; Excel in your performance; Make yourself invaluable to the organization. Align your goals and focus on efforts that make you a valuable employee. You want those merit raises. They will add up.

Check out the Groco Millionaire Calculator to determine how much you need to put away to enter the millionaire class.

 

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