Discount coupons are one of the things that budget-conscious individuals love, and it is obvious why. Buying something that is 10 to 30 percent less its original price will leave them some extra cash which can be used for other expenses. Of course more coupons mean more savings.
Checking one's receipt and change after every transaction can also help them spot any inaccurate amount, especially when paying in cash. Cashiers are humans, too, and are also capable of making mistakes. Before leaving the counter, customers must make sure that the purchases on their receipt are correct and they were given the right change.
Shopping during a sale may seem like the best idea, however, spending money that one has not earned yet can cause a tremendous dent on his or her budget. There is no point in buying something that a person or their family doesn't really need. If a person charges an item on his or her credit card and fails to pay it on time, the charges they will occur might double that of what they purchased. Credit card companies often charge a late or over the limit fees on accounts that were not paid on time. Sticking to the budget is always the best way to go.
Utility bills are also something that can be managed. Parents need to teach their children how to conserve water and electricity, so they do not have to pay more than their budget would allow. Not only do they save money in conserving electricity, parents also get to train their children on how to take care of the environment.
Walking instead of using the car saves a person a substantial amount on money and also promotes physical fitness. When going to nearby locations, it would be best to jog or bike to conserve gas, save money, and be environmentally friendly.
Moreover, making just the necessary calls can help you save on phone bills. Knowing how to eliminate your cell phone bill charges can also take out any unnecessary amount. You should carefully go through your utility bills prior to making a payment. There may be some erroneous charges that need to be taken out.
Whether you are selling home, life, auto or even health insurance getting an appointment often means the difference between getting "I'll think about it" and "let's get this going now". Those who don't know how to set appointments quickly get out of the business because they just can't the policies.
Setting appointments in the insurance industry is different than other businesses. With complex jargon, confusing fees, and multiple payment options prospects are often skeptical. They think you are just trying to add on additional coverage to get a "bigger commission". They don't seem to understand that you are trying to protect them. If you could just sit down with them 1 on 1 you could help them to see the benefits in that extra coverage.
In insurance the more appointments you set the more policies you will be closing daily. In fact if you dedicated two and a half hours a day on the phone to just booking appointments you would have a 7 figure business in insurance. Most agents are so busy running around town or dealing with claims that they barely dedicate an hour a day to new business. When you consider the rewards of time spent booking appointments for your insurance business it is a virtual "no brainer" to master the art of appointment setting scripts.
To set more appointments for your insurance business I invite you to consider the following tips:
- Give them a reason to meet with you - Most agents pitch in their sales scripts that they can save the prospect money or they can do a "free review" of existing policies. Prospects know these tricks and they won't be listening when you make those types of statements. Instead of telling them why they should meet with you consider piquing their interest. For example you could ask them "Would it be worth 17 minutes of your time to save 17% or more on all of your insurance policies?"
- Give them options - People don't like to be told what to do. When you want more appointments give your prospects the option of choosing what time they will meet with you. By simply providing them two options you can easily double your appointment count weekly. Consider giving them different day and time options for maximum success.
As you are calling and using appointment setting scripts for your insurance business I invite you to consider giving your prospects options and piquing their interest in a manner that compels them to want to meet with you!
Dive in today to a free, power packed, sales script course that will have you doubling your appointments. Discover 67 interest piquing questions that selling in my free sales course - www.QuestionsThatSell.com
For an entrepreneur interested in expanding their reach beyond a local/regional market, and for the e-commerce novice prepared to make the jump from a simple template storefront to a larger online presence, the process of turning your small business into a viable supply chain can be intimidating. However, if you offer a product that is in demand and is capable of generating a strong profit margin for you and potential distributors, you may find your business can grow easily. All it takes is the time and willingness to invest in seeking out potential vendors, the ability to provide the required amount of product in bulk, and a knack for keeping productions costs down to allow for a higher profit margin.
Becoming Part of a Supply Chain
You may have heard the term before, but aren't quite sure what it means. Simply put, the supply chain describes the progression of businesses that offer the raw materials, the finished products, and the means to buy and sell said items. One "link" in the chain would be the company that produces what is needed to create the finished product - the plastics, the fabric, and so forth. In the middle is the supplier of the finished goods. If you are the one completing the crafts, clothing or handbags or baked goods, you are this particular link, and you cater to the next link - the retailer. The retailer in turn sells to the customer at the other end of the chain.
To become involved in a supply chain, it's important to make contact with the people who offer the raw materials and those who buy finished products to sell or drop-ship. When you join a real-time global trade portal, for example, you'll have access to buyers and traders around the world looking for various products for their stores. As you make contacts, you'll learn their needs and negotiate terms such as shipping, standing orders, returns, and even distribution rights. Some vendors may wish for exclusivity in selling your goods, so it's best to consider each offer carefully to make you sure get a good deal.
Build up your profile on a reputable supply chain portal and be prepared to offer samples when necessary. You may find you can quickly forge connections beyond your local market and engage yourself in successful international trade.
Insurance whether of life, vehicle, health or even property has become a part and parcel of our lives in today's time. You never know which mishap may crop up suddenly which you need to deal in that urgency of time. In such cases insurance seems to be the apt choice for many as it aids the individual with the appropriate necessitates in the rush hour.
Ironically, getting insurance is very easy but getting the best which suits and covers all your requirements is very tough. In such a case it is always advisable to seek professional insurance guidance. Thus with such a guidance of elevated experts, it confers all its patrons with esteemed after sale service facilities.
There are many insurance agencies doing the run of the mill job. Out of all, very few only have expertise knowledge to cater professional insurance to us which seems tailor -made to us and our family. Insurance agencies should not be chosen on the basis name or fame, rather the policies they offer with their benefits. Since future cannot be predicted, it is wise to insure your loved ones as well as your loving valuables that you do not want to part away very easily. By taking insurance you, your valuables and your dear one's are all protected against unforeseen risks.
Very few insurance companies give you a true value for your money regardless to the numerous promises they swear to make. A professional insurance, though how well it seems, may or may not fulfill all your desired needs. Hence a special care should be taken in analyzing all its pros and cons.
Insurances have somewhat become an indispensable part of our lives in this era of great financial burden. As a matter of fact the number of insurance agencies has also increased exponentially. With such striving competition one feels perplexed in what to choose and what not to. Many life insurance companies offer a range of health insurances some are cashless while some are not. Thus, a good care of such a scenario should be taken. Even the vehicle and life insurance policies that one may plan to take up might have some hidden loop holes. With so much of confusion it is always advised to take up professional insurance advice that will clearly help you identify all its features.
Apart from the people yearning to take up insurance policies, even the insurance giving organizations also do research about the whereabouts of the applicants. So a proper one to one analysis of each other is done. This seems a bit necessary on the part of insurance agencies as many people do fake up documents in order to get the supreme gains of these policies, and with so much corruption these days, it all seems a common ground for such type of activities. Therefore in order to achieve the best, a continuous survey is done to facilitate yourself with the most profitable and advantageous schemes from the pool of webs.
Choose wisely as these professional insurance can turn your life upside down!
The underlying forces behind this online business opportunity are;
1- Buying Power: The Power of a group of people to leverage significant discounts due to the larger buying power as a group.
2- Online Shopping Volume: Increased availability of nearly all standard consumables has resulted in the ability of large volumes of online shopping to occur.
3- Rebate Distribution: The paying of rebates to members of the group depending on what level of a tiered system of membership they are on.
4- Free membership: A small percentage of the discounts given are often held as management fees. No money upfront. Pay as you use type of philosophy.
In practice, this home business opportunity works very simply.
1- You shop for things that you were going to buy anyway, and then you are sent rebate checks for a % of your own purchases.
2- If you have introduced 10 people to the store who also do some shopping, a % of these rebates is also sent to you.
3- If your friends then introduce people to the store, you still receive a % of rebates from their purchases.
4- Most tiers do not go beyond 9 deep because any deeper than that makes the initial rebate distribution amount too small to attract people to the system in the first place.It can be seen that this home business opportunity, online shopping, relies upon the numbers game. The benefits of receiving personal shopping rebates is a great bonus, but the compound growth of the shoppers giving you some of their rebates can amount to large sums of money, especially when the levels of people under you reach 4 or 5 deep. Below are some calculations that show how quickly a minimal introduction of say 5 people to a downline grows. Note: These people can be introduced at any time while someone is a member of an online shopping mall, but it is not a requirement to do so to receive discounts.
Tier 1 - You; 1 x 1 = 1 shopper
Tier 2 - You Introduce 5; 1 x 5 = 5 shoppers
Tier 3 - They Introduce 5 ea; 5 x 5 = 25 shoppers
Tier 4 - They Introduce 5 ea; 25 x 5 = 125 shoppers
Tier 5 - They Introduce 5 ea; 125 x 5 = 625 shoppers
Tier 6 - They Introduce 5 ea; 625 x 5 = 3125 shoppers
Tier 7 - They Introduce 5 ea; 3125 x 5 = 15,625 shoppers
Tier 8 - They Introduce 5 ea; 15625 x 5 = 78,125 shoppers
Tier 9 - They Introduce 5 ea; 78125 x 5 = 390,625 shoppersOnline shopping malls structure their rebate payouts slightly differently, and each tier generally attracts a different rebate payout. Income: With a $150 spend per month as a general figure by most shoppers, someone on say Tier 6 could earn around $900 mth which appears very achievable.
Someone who really treats this home based business opportunity as a full time business could earn well in excess of $110,000 mth on Tier 9.
My Power Mall is one particular online shopping mall that outlines very clearly what is achievable by members on their FAQ pages. They have now over 1000 shops available ( Some are very high profile retailers) to their members which alone indicates the support that the retail sector is giving the online shopping home business concept.
Home Business Opportunity, Online Shopping Conclusion: Reality and history will probably show that many people will join and benefit only from some personal shopping rebates with the benefit that it has not cost them any membership or account maintenance fees out of pocket to do so.
On they other hand there will certainly be some marketers who will promote the online shopping opportunity heavily and benefit very favourably from the effort they inject.
So is this new Home Business Opportunity Online Shopping a viable home business? It appears the old cliche will apply. You shall reap what you sow. Effort injected often equal rewards received, and it appears that the Free startup to this opportunity will allow many who have baulked at spending upfront money with other schemes to finally make a difference in their lives.
In the times not far from now, the business organizations used to take the print of the card and to follow up, they issued charge slips to the card holder. This charge slip was duly signed by the user after verification and was taken as an acceptance by the user to pay the liability. However, these actions have become the things of the past as in the present world, the sale takes place instantaneously. The machines, used for the transaction, are light and portable. They acknowledge major credit cards issued by leading companies. Apart from the credit cards, these machines also accept debit cards of all major banks. These machines do not come in any standard design and shape. The device is connected to the master link and there is a slot for swiping the card. The moment you swipe the card in the slot, the device recognizes the card by reading the microchip embedded in it. The read information is then sent to the computer for verification and authorizing the deal. This process hardly takes a few seconds and the user gets the deal approved in a small span of time. The card reader is the most significant part of the device.
When the card is swiped on the device, the information in the embedded microchip is transferred to the bank or the credit card company. The machine then prints out the receipt having the detail of the purchase and the money that the user has to pay to the merchant establishment. There are two receipts printed, one is signed and handed back to the merchant and the other receipt is retained by the card holder, known as the customer copy. It does not take more than a few seconds to complete the whole process. The contemporary credit card machines are more user-friendly. They come equipped with an alphanumeric keypad which is easy to use. The modern devices also boast of special features, such as the LCD display. Some machines also come attached with thermal printers making it easier for the merchant to take prints instantly.
You can come across these machines in almost all the hotels, restaurants, petrol pumps and departmental stores. The device is also helpful in producing information on sales and a total of credit given out on a daily basis. These machines are also efficient in keeping track of transactions and debt payments on credit cards. These also come in wireless units, which is the latest technology perfected lately. The wireless devices are much in fashion and can be seen during carnivals, trade shows and exhibitions.
Are you an insurance rep that has killer instincts to level the field and then seize the sale? If you feel defenseless, exhausted, or powerless, your future is doomed. Find out what separates the pros from the many inadequate insurance representatives.
An insurance representative that aggressively oversells is very weak. Likewise an insurance rep that is constantly caught in an objection trap is way too fragile when giving a presentation. Both are defenseless and vulnerable because they can not adapt to the prospect. It does not matter if you even like your prospect. Can you by talking develop a common bond of trust.
The rare successful reps develop a killer instinct by losing their fear of the prospect controlling them. Almost all prospects are experts at knowing when to buy. However, it is a rare insurance representative that knows when to sell and when to be a problem solver. Far too many insurance reps are problem makers. They actually cause the prospect not to purchase. Hope, pressure, and lack of control never create a sale.
Do you have a buyer, or are you going to waste a couple hours with a tire kicker? Adapt to a killer instinct. Tell yourself that you are ready to walk away as fast as possible from evasive prospects. Do not tolerate or accept any ands, ifs, buts, or the see you later responders.. Rarely will these people do more than string your along for months and months. Do not be a sap, call their bluff by acting dumb. Start by asking them to repeat their objection again. Then reply "Fine". Next say, "In all my years I rarely ever hear that, so please explain what you really mean."
If you get an answer that is not positive, just remember this prospect needs you more that you need him. He may say "I will call in a few days" Immediately reply, "I constantly help new clients, I only come back if you have a claim situation." That is it, your prospect is a loser for a sale. End an appointment in 15 minutes should your prospect does not feel he has a problem to solve. This is not a true prospect, so give yourself credit for recognizing it and leaving early. Just like you get away from irritating telephone solicitors you have no use for, dump these type of reject prospects as fast as you can.
Killer Closers are simply the problem solvers of the sales world. Before they visit a prospect they get him to admit that there is a problem to solve. In fact, they have the instinctive power to say why they are the true rescue person. You are going to use your product to solve their fear. However, it is your job to get your prospect to feel the pain. Ask them how they can solve this painful problem. Do they want to solve it? Or are weak instincts showing? They know you don't have the pros' skills, and are just pumping you for information or trying to give you a line? Killer instincts invite prospects to not ask stupid roadblock type questions.
Applying the killer close is easier then you think. Put your prospect's mind in the right perspective. Tell them you are not going to sell them anything, You are going to get them to solve a problem.. You want your prospect to acquire the ideal solution to fill the gap. The gap you both know that will be best solved by your insurance product.
As an insurance representative, the time for you is now. Develop the killer instinct of an insurance professional, and make you client reach out for your advice and problem solving assistance. If not it is a quick goodbye forever. You are not the welcome wagon on a making friends mission. Your true insurance friends become your clients.
One of the biggest hurdles people face when trying to start their information products business is creating their own information products to sell. The prospect of writing a 90 page ebooks can be really intimidating when you are not an expert in a topic. There is a simple way to get over this fear that very few marketers are taking advantage of, which is a shame. That way is creating short reports. In this article I'll introduce you to some of the benefits of using short reports as a basis for your information marketing business.
1.You can write a short report in a few hours. This means that slaving over a product for weeks at a time won't be an issue anymore. How long would it take you to write 7-20 pages? If you have a clear niche and outline to start with, you can easily do it in a few hours or less.
2. The low price point means higher conversions. You can sell a 10 page report for $7 pretty easily. The price is so low that you don't need a fancy sales letter, and you will have higher conversions because there is such a low bar to entry. Many people will buy these products on impulse because it is such a low financial commitment.
3. The supply of topics is endless. You can break down a large topic into many smaller topics to use as the basis for short reports in your information products business. For example, look in a non fiction book and notice the chapters. Each chapter can be a short report. So you can easily make 20 products out of one book! Similarly, look at a sales letters and notice the bullet points. Each one of those can be a short report. Now, think of all of the books and sales letters our there, not to mention various other sources for topics such as magazines. The topic can be very specific since the product is so short, and this results in expanding the number of potential ideas for products far beyond what you'd have for a more substantial product.
4. When other marketers are having success with their product, you can profit from their success by producing a complementary report on a similar topic. If a market has a successful product on link building techniques for example, you can product a short report on actual places where you can get high PR links. Use your imagination and piggyback on the success of others.
5. You can maximize the lifetime value of a customer. If you give your reports a theme, you can position them so that customers feel compelled to buy each report in your series. So you can have a 5 Minute Guide to Traffic, and a 5 Minute Guide to Product Creation, and a 5 Minute Guide to List Building, for example. In order to not feel as if they are missing part of the series, many customers will automatically buy all of the products in the series. This is a sure fire way to get tons of repeat sales for your information products business.
In the unfortunate situation of professional negligence or error, PI Insurance may well save your business. It is important to ensure that you obtain the most suitable form of cover in order to maximise protection. Before you buy, ask yourself the following questions:
Is my profession covered?
For some professions, the purchasing of PI Insurance is mandatory. These include Accountants, Solicitors and the Medical profession, amongst others. A definitive list of named professions can be found online. However, anyone can purchase Professional Indemnity Insurance, and an increasing number of professionals in a range of industries are choosing to do so on a voluntary basis. Even if PI is not essential to your profession, it may be advisable.
How much cover will I need?
This varies dramatically from case to case. When taking out a policy, you need to consider the size of your contract and client, any potential defence costs and the maximum amount of compensation which could be awarded against you. In general terms: the higher the financial stakes, the greater the amount of cover required. You can usually set your own limit of indemnity when taking out a policy, but bear in mind that you will often be required to pay an excess. It is also worth noting that some clients will have a minimum limit of indemnity that they require. Some government departments, for example, require contractors to have at least £5 million of cover.
Am I covered for work that I've done before I take the policy out?
The majority of PI policies work on a claims-made basis. This means that the insurance covers any claims which are made during the policy period, rather than the actual incidents themselves. However, some insurance providers will require you to pay for retroactive cover to ensure that you are protected against any issues with work completed before the instigation of the policy. Some policies will run for a set amount of time, whereas others will continue indefinitely until payment is actively cancelled.
Does it cover me internationally?
Again, this varies according to industry and to the insurance provider. Many insurance providers offer industry-specific policies to ensure the most relevant and tightest level of protection. Policies can be further tailored to the requirements of your individual business, and amended as your needs alter. The function of Professional Indemnity Insurance is to protect you against the worst eventuality. It is therefore vital that you select (and if necessary, create) a policy which extends to the level of cover you require.
How do I pay?
The most common form of payment for PI Insurance is by direct debit. This of course means that the insurance is usually an ongoing business expense, rather than a single lump sum. The benefit of this is that your policy will continue to run until you cancel payment, thus avoiding a situation where your policy has expired without your realising. There are other methods of payment which can again be arranged to suit your individual situation.
There is much scope for flexibility with Professional Indemnity Insurance. By asking yourself these questions, you should begin to develop an idea of the needs of your particular business. The purchasing of this type of insurance could make the difference between professional security and dissolution - it is therefore important that you capitalise on the protection available.
In 1998 savvy, successful Network Marketers began looking toward the internet as a way to move their business building efforts from the hotels, motels and living rooms dotting the landscape to websites, chat rooms and web conferences. Companies began to move product fulfillment from toll-free numbers and FAX lines to on line ordering through websites assigned to individual distributors.
The internet's promises were myriad: 24 hour marketing, standardized presentations, the leverage of technology, the ability to cast a wide net to attract new customers and distributors without the limitations of region and distance.
Yet, by the year 2000 the viability of the internet as a business tool was seriously in doubt. The majority of consumers were using dial up connections at 56 kbps or less and could not access many of the presentations and downloads available online. High speed internet connections were reserved for businesses and consumers who could afford the 60 to 100 dollar per month premiums charged for a high speed connection. Consumers, concerned about online fraud, were reluctant to shop online. Finally many of the companies now considered internet bell weathers had yet to turn a profit online.
Additionally many companies and distributorships who found success with traditional network marketing models were reluctant to embrace online technologies or provide support for distributors seeking innovative ways to expand their businesses. Even today, distribution of information, technology and systems across the industry that may compliment and augment an individual distributor's business building efforts is not uniform leaving individual distributors to adopt older strategies which do work but to which they may not be suited or engage in counterproductive budget-draining strategies in search of the next guru with the answers.
Yes, the internet held promise but the overriding question was would high speed internet usage become common place enough to allow the free-flow goods, services and, most importantly, information in the market place?
According to a November 28, 2007 article in the LA Times, internet access in the US has grown tremendously since 2001 from an estimated 4.5% of households to 22.1% of households in 2007. Most excitingly the US currently ranks 15th internationally in the availability of high speed internet opening the possibility of broad exposure in both domestic and international markets for the entrepreneurial distributor backed by effective technology, quality products and a seamless compensation plan.
While it is our opinion that the internet will never completely replace the need for and value of human interaction, social networking sites, forums and chat rooms amply demonstrate the value of the internet in forging new connections and strengthening bonds in the business community.
The truth is that successful network marketers have always had the ability for forge new connections, build large social networks and market themselves over time and space. These marketers, successful using traditional models, were "always on". They were always on the lookout for potential new business partners sometimes to the embarrassment and consternation of their friends and families. A trip to the mall was never just a trip to the mall. A trip to the movies never just a trip to the movies. A trip to the grocery store never just a trip to the grocery store.
As it applies to network marketing, the value of the internet is obvious. The following benefits are listed as illustrations and are by no means exhaustive:
1) standardized presentations that run 24 hours a day 7 days a week
2) order fulfillment that runs 24 hours a day 7 days per week
3) 24/7 business building and downline growth
4) multiple language presentations to grow your business
5) access to new markets
6) access to new warm markets and spheres of influence
7) on-going, long-term, customizable follow up with your prospects
8) time and space leveraged technologies that allow a presenter at home in his or her pajamas to present simultaneously to prospects in multiple locations
9) limitedless interpersonal connections required for business growth
10) ability to customize technologies to allow self-expression for the individual entrepreneur
What should a network marketer do who wants to take advantage of the internet yet has no support from his company or upline? That is a difficult question. Difficult because our experience teaches us that it is very easy for a distributor to get lost in the miasma of guruism in search of information or the "magic bullet" and forget all about his or her company, products or services thereby compounding rates of attrition already present in the industry. An internet marketing system will, in general, be an expense added to the already existing business expenses of autoship, product purchases, and corporate subscriptions. The following list is a guideline to assist you in finding or developing the system that is most appropriate for you and assist you in taking a practical approach to evaluating a system before you attempt to duplicate it throughout your organization:
1) A system should have professionally written autoresponders
2) Link tracking. If a prospect clicks on your link, where did that click come from?
3) Well-designed landing pages that capture prospect information
4) Category sorting for prospects and the ability to customize campaigns to those categories
5) White-listed server. Will your prospects get e-mails send from your system?
6) Can-spam compliant
7) Unsubscribe function that should unsubscribe prospects from all prospect categories
8) System upgrades and new sites included in purchase price and ongoing subscription
9) Internal well-designed presentations
10) Integration with your corporate websites to facilitate product purchases
11) Excellent customer service
12) Initial start up cost of no more than 80 dollars and ongoing subscription rates of no more than 49.95 per month
13) Dedicated web team to keep the system running
14) Form code generators that allow you to integrate independent pages into your system
15) Refer-a-friend pages or scripts for your pages
This list is not exhaustive but will serve as a useful guideline to help you get started on the right foot if you want to build your network marketing business online.
Finally, as access to high speed internet connections continues to grow around the globe, the internet holds tremendous potential for those seeking to build their network marketing business online by providing access to new markets. Access that was once restricted to those with large budgets and the unrestricted ability to travel. The internet, in short, levels the playing field allowing more avenues to the "winners circle" of your chosen company.
Resorting to a moving company is not the only action you can take. It all depends on the amount of things you have and the distance that separates one property from the other. You may be able to move most of your things by yourself or maybe all with the aid of some friends or family members. But take into consideration the fact that some furniture and appliances are fragile and should better be handled by professionals.
Costs And Alternatives
Hiring a moving company can be expensive. If you have to move especially delicate things like a piano for example, you may even have to hire the services of exclusive moving companies that will charge significantly higher amounts. You can shop around and compare prices but bear in mind that sometimes what is too cheap turns out expensive and the company will be transporting all your belongings which you surely consider valuable in more than one sense.
As explained above, the cost of hiring a moving company will vary according to the amount of things that you need to transport from one property to the other but mainly on the distance that separates both properties. If the type of things you need to move would allow you to transport them yourself provided that you had the transport means, hiring a moving company may not be your only possible solution.
It is also possible to rent a truck or a van where you can (with the aid of friends or relatives) carefully load all your belongings and transport them from your current residence to your new home. Bear in mind though, that you’ll need to fasten and secure everything so nothing gets damaged during the carrying. Using a proper cushion wrapping to reduce the risk of damage is an excellent idea.
Financing: The Simple Solution
Though moving companies can be expensive, you may decide that they are the best choice for you. If that’s the case, the good news is that you can obtain finance to move your belongings. Some moving companies will agree to provide several installments to finance the fees. Even if that’s not the case, you can still resort to other forms of financing in order to obtain the funds to pay the fees altogether.
You have mainly two alternatives: you can pay with credit card and use the ability to finance the balance on your credit card so you can pay as much as possible every month. Or (and this is my preferred solution), take a personal unsecured loan to pay for the whole fees and then repay the loan in the small resulting installments. This last alternative is probably the cheapest one because the interest rates on personal loans are considerably lower than the ones charged by credit card financing.
As I was brainstorming a hot market for my next project I came across a realization and that is the Art of Specialization. Hey, that rhymes!
Let me explain...
As I do my research to find hot products, one of the techniques that I keep in the back of my mind is specialization to a particular market. What that means is how can I take an existing product and put it into another niche market. This technique works best with broad topics. For Example:
Specialization: marketing for real-estate agents, restaurant owners, car garage owners, and the list goes on.
Specialization: cooking for the busy executive, for busy moms, and so on.
Topic: How to fish
Specialization: How and where to fish on the eastern shore, How and where to fish in MD, FL, CA, etc...
You kind of get the idea of how this works. Now let me tell you some of these specialization techniques that you can put to use.
* Find two hot topics and join them together to get that specialization. For example: You may find that quick and easy meals are the hot thing in cooking and find that yoga and Pilates are hot in physical fitness. You can then marry both together to form a unique product. For example: The Pilates cookbook: 35 quick and easy healthy recipes to maximize your strength, flexibility, and energy for your Pilates workouts. I know this might be a little off the wall but this is an example of how to do it.
* The beauty of this technique is that you can create a line of products without doing to much work to create them. Let's use the marketing example above. Let's say you used the broad topic of marketing for a small business. You decide to create a marketing book for nightclub owners. Well, guess what! Now you can take that same book and tweak it to fit any small niche and sell it. You can create a line of marketing books based on this technique and create multiple streams of income from each niche market. I will recommend that you don't just change the title but do some research on each market to fit the marketing concepts to those markets.
You may be asking yourself, "But don't you need to be an expert in these fields to create these specialization topics?"
And the answer is NO. A gentleman by the name of Rory Fatt created Restaurant Marketing Systems. What he did was take Dan Kennedy's marketing strategies and apply them to the restaurant business. Now get this. He doesn't even own a restaurant! He was smart enough to find a hot niche market and fill a need. There are a lot of restaurant owners out there who are struggling in the business and he helps them get what they need...CUSTOMERS! By the way, he's a millionaire based on this one niche.
You can go into any bookstore and any library and spend a couple of hours doing the research. Here's how to do it:
* Find a broad topic and just narrow it down to a specific niche
* Gather a few books on the broad topic and start to study them
* Do research on your niche. Let's say your narrow niche is going to be travel agents. Gather info on the industry and see how you can marry the two together.
* Take out all the fluff and put the relevant information into an easy to understand guide
This is easy to do because all you're doing is gathering information and putting it into your own words and applying it to your specific niche. You don't need to reinvent the wheel here. All the research has been done for you at the bookstore/library. The best approach is to simplify the information. Your niche will love you for it!
Here's another idea if you just want to test the waters. Find your broad topic and select a specific chapter from the books and write a simple report based on this chapter and offer it to your niche. You can make good money writing and selling these reports.
So, in a nutshell, here is the formula:
Broad topic + Narrow niche + info gathering + 123 easy to follow guide/report= Hot selling info product
If you're looking to really be successful in the info marketing business then the best word of advice is to specialize. The more specific you make the niche the better.
Why? Because when you take a topic that is directed to a certain group of people and not geared to the general public, these groups of people are going to say "Hey! He's talking about me." For example: You are a real-estate agent. What would you buy? A book that said.
Marketing Your Small Business
Real Estate Agent's Survival Guide: Learn How To Find Hungry Buyers and Eager Sellers In A Snap
The information is basically the same. The only difference is that the latter has been tweaked to accommodate Real-Estate agents.
This really isn't rocket science. It's just plain old positioning your product to the right crowd. Now get out there and start building your information marketing empire.
There is an oft thought notion that having few expectations leads to less disappointment. But this is not true when one approaches a professional to render a business service. When one professes to have greater than average expertise, the bar of expectation is automatically raised. A professional cannot err. And when they do...the impact can be far reaching. Insurance companies in various countries have tried to create professional insurance policies to create a protective buffer for professionals, to avoid careers, livelihood and lives being disrupted by negligence suits. In fact even insurance professionals today try to protect themselves under the purview of professional insurance seeking coverage for acts of omission committed by the insurance agent in the event of a liability suit or any kind of property damage to the client. This is itself is a pointer as to how professional insurance is now regarded as an important component, even those safeguarding are now getting coverage for themselves. In fact in some professions like Law, Accounting and Financial Services it is legally required and often forms a part of the contractual obligations.
The consumer across the globe has become very aware of his legal rights and his right to move court if he feels he has due cause. Any damage to person, property or financial standing as a result of professional advice can thus have disastrous outcomes for the professional. There are legal fees, court costs, defense costs and the irony is that in an increasingly litigious world, some of the suits filed are without foundation. Yet reputations need to emerge unscathed and professionals need to continue earning. Management, Computer Consultancy, Publishing, Engineering, and Architectural Design, Nursing...any profession that requires a dispensing of professional advice needs professional insurance. Insurance companies are in constant competition to provide the best possible coverage, trying to give the maximum possible mileage from the premium paid. There is a underlying realization that is now well entrenched in the mind of both the insurer and the agent, that a professional insurance policy is critical to peace of mind and smooth running of business that there is always an attempt to customize a policy that is both effective as well as affordable. Loss of documents, charges of willful negligence, business losses due to incorrect figures and erroneous projections, omission, wrong professional advice...the charges can be anything and a professional by virtue of his standing is always vulnerable. In fact some
Insurance firms even provide an add on like run off cover to add value to the coverage. This means that even after the professional retires or ceases a business, the coverage continues for a stipulated period to protect against claims that have been made for work done previously.
When choosing professional insurance coverage, there are so many terms that need to be understood, so many choices to be made, so many parameters to be delineated that one needs plenty of guidance before signing on the dotted line of the insurance contract and paying the first premium cheque. One needs access to an insurance company that has accumulated years of experience and expertise. A top notch quality service is very important.
Companies book hotel meeting spaces for a variety of different purposes. Here are a few helpful tips for what to look out for when you are booking space at hotels for your own meeting.
As the President of the Information Marketing Association, I host a monthly coaching call for info-marketers who have questions and are trying to launch their infopreneur business. Here is a question from Scott in St. Louis, Missouri about what to look out for when booking meeting space at hotels. Since this is a common question, I decided to prepare an article about this challenge to help you.
There are a couple of the key issues that hotels are going to look for an attrition clause. Hotels are in the business of selling sleeping rooms and while they do have meeting spaces at hotels, the only reason they have that meeting space is so that they have the ability to sell sleeping rooms for the people attending the meetings. As a promoter, we want their space by guaranteeing the fewest number of rooms possible, however, they as a hotel, want to give their meeting space up only to people who will book as much sleeping space as possible. When you get the contract or when you engage in the discussion, the first thing they're going to ask you is, how much space do you need and how many rooms are you going to book? And based on that equation, they'll figure out if they're going to give you any kind of discounts on rooms. And then when they give you the contract, their going to ask for you to book a certain number of rooms. If you don't book that number, then you're liable to pay them for those rooms whether anybody slept in them or not. Then they're also going to ask you for a food and beverage minimum. This is the amount of food, coffee, lunch, and things of the like that you buy are all going to be factored into that original contract. Some of the provisions and then there is going to be a cancellation provision. That's the third thing that you really need to think about.
Now in terms of the attrition, a couple of years ago it was difficult to get any hotel contract without a real aggressive attrition penalty in it. Now, that is less and less the case and I find that hotels are more open to negotiating those terms.
The other issue you must consider is the amount of the food and beverage the hotel will require you to buy in order to use the meeting space at the hotel. The thing that surprises most people, is when you buy say $5,000.00 worth of food and beverage, that is plus service charge and plus sales tax. That's like another twenty-eight percent that you'll have to pay on top of that. If you look at the contract and think, "Okay five thousand dollars food and beverage will do great. That's all I have to spend. That's my budget." Well, that five thousand is actually five thousand minimum food and beverage plus tax plus gratuity, so that ends up being closer to $6,500.00.
Are you a professional who plans on putting up a business so you can practice your profession at your own time and comfort? Just like any other business-minded individuals, professionals can have a business of their own as well. Real estate brokers, doctors, accountants, lawyers, home inspectors, architects, or surveyors are some of the professions with good business potentials. If you plan to have one, then you need to get professional business insurance for your business.
Professional indemnity insurance, also called professional liability insurance or errors and omissions insurance, is a type of general liability insurance that protects professional practitioners from possible negligence claims raised by their clients or patients. Although such insurance takes various names depending on the type of profession, the coverage generally focuses on claims regarding property damages, personal injuries, negligence, or bodily injuries. Generally, there are two types of this insurance: the Claims Made Professional Liability Insurance and the Occurrence Professional Liability Insurance.
To find the right professional business insurance, determine first if you want to end your policy once your coverage expires. If you do, purchase the Claims Made Professional Liability Insurance Claims. Also called the Reported Coverage Policy, this type of insurance protects you within the date of the policy purchase until claims made sixty days after expiry.
If you have a business whose clientele have longer statutes of limitations to report claims, the Occurrence Professional Liability is ideal. This insurance protects you even after the policy ends as long as the occurrence of the incident happened within the active policy period.
When looking for the right insurance provider, go for trusted insurance companies who have notable backgrounds. Never hesitate to ask regarding deductibles or exclusions of the policy. It helps that you do your research first because not all insurance companies cover everything. Also, you may want to include legal defense costs in your policy which you can use for legal fees, just in case the need arises.
Have the right professional business insurance for your business ventures. That way, you won't have to worry about getting into major issues with your business.
Information marketing is no doubt the best form of internet marketing, you no longer need to create your own product, you can hire a professional to help you do the job. Before creating any product, first do a research if the product will sell, this is good because if it won't sell then you may not make back your marketing cost. To know products or niches that will sell, look for one that is already selling and has much search on Google search engine. You can set it and allow affiliates to help you make sales and list. Information marketing though is a little bit professional, it is still the best if done well. You can create a product and create a website for it and then allow affiliates to promote it and in turn you pay them fifty percent per sale, here you do not need to drive traffic to your website, all you need do is notify affiliate marketers of your product and its relevance, then you will begin to see sales.
The first thing needed to start an information marketing business is a product to sell, always remember that products on health, weight loss, make money online, dog and guitar will always sell, so get a niche to write on, if you can not write well on the niche you can hire a professional to help you write an e-book and also help you proof read it for grammatical or spelling errors, once you have it, convert it to a PDF format and then you can create an e-cover and a sales page for it, make sure the sales letter is good enough to convince your visitors to buy your e-book. Also you will need to add an auto responder to your website.
About maximizing your profit, you will also do your own work of driving traffic to your sales page and also list your product on more merchant sites like, ClickBank, Amazon, click to sell, pay dot com and other sites, here you can offer affiliate marketers up to sixty percent commission per sale, this is an added advantage because they will drive traffic to your sales page for them to make money, so your auto responder list will increase and as they make sales you will also earn money without you working, so maximizing your profit comes from you still working to get more sales instead of relying on affiliates.
There are so many ways to drive massive traffic to your sales page, you can inform joint venture partners, about your new product, do press release, write and submit articles to article directories, register with related forums and look for post that your product can solve and then recommend your product to them, also by commenting on blogs that have high traffic and search engine rank with your sales page URL will increase your search engine ranking, thereby bringing in more traffic for you. You can also create blogs and then link them to your sales page.
Professional indemnity insurance sounds highbrow doesn't it? What does it mean and how important is this type of insurance? The basic purpose of this insurance is to insure those who give professional advice in any sort of professional work. For instance a stockbroker or a doctor are both at risk of being sued for wrong or faulty advice and so that's where Professional indemnity insurance comes into play. It covers the risk!
For instance a stockbroker who advised his client to sell stock could face being sued for losses by his client on the basis that the stockbroker had sold his services as an expert and had proven to be incompetent. Equally the family could sue a medical doctor who radically misdiagnoses a patient's disease and this lead to the patient's death. This can be stretched out to include a tax agent or an architect or a psychologist all of who are in the advice business and this advice when acted on should be safe advice from money investments to health to public safety.
So if you are in the business of advising make sure you are covered by Professional indemnity insurance because you can be bankrupted if you are on your own. The other side of the coin is for the person who makes claims who if creating a court action for a claim and it proves to be unfounded could be directed by the court to pay all costs. So from both ends of the world of professional advice it's wise to do your homework.
If you are in the process of getting Professional indemnity insurance then get ready for a big cost because it is the highest costing of all insurances because claims can go into millions of dollars. However regardless of cost you can't do without it, as nothing is watertight predictable and the best of professionals can end up facing a court process.
The only other option is to get out of the business, which has happened - take the example of some in gynecology who deliver the child badly damaged and millions are claimed for lifetime support - many gynecologists have been scared out of that specialty and have returned to general practice.
So while Professional indemnity insurance is hard to understand and it has a time delay in getting the necessary approvals its not just necessary but essential and the practitioner who works while the time delay of getting the insurance is a fool and the person who thinks they will never be charged with ill advice is equally foolish. The Boy Scout's motto "be prepared" was never more relevant.
There are all types of claims that you can file that involve accidents. These include but are not limited to car accident claims, slip trip or fall claims, work accident claims, motorcycle or bicycle claims, medical negligence claims, and even whiplash claims. Whatever the type of claim that you may desire to file you must do so immediately and focus on acquiring an expert Solicitor no win no fee service provider to handle your claim.
The best way to go about the process of seeking out no win no fee Solicitors is to begin your search online. By making use of the internet you can quickly narrow down your options and determine which Solicitors are the best for your specific type of claim. You will be able to compare Solicitors when it comes to experience, expertise, and also when it comes to cost.
Never make the mistake of choosing the first professional lawyer or legal firm that you come across that offers no fees unless you win. No matter how recognizable that their name is you will want to carefully research these companies. Otherwise you could end up choosing representation that is not adequate or that will be unable to win your claim for you.
When comparing Solicitors you will of course want to focus on how much experience that they have. This is very important if you want to ensure that your case is handled properly and that your chances of winning your case are increased. This all boils down to expertise in general.
Consider what type of case you have. If you were involved in a work related accident then you will want to focus on those lawyers that have dealt with these types of cases and that have won the majority of them. This will provide you with confidence when choosing this Solicitor to handle your case.
Additionally, never hire an injury lawyer that charges fees upfront when filing your claim. Additionally, only consider those Solicitors that charge low percentages for their services. These are two important factors to focus on.
The more effort that you put into the selection process the better off your chances are of finding a highly trained professional to handle your case.
Making the critical decision to purchase trade show booths to participate in marketing conventions brings with it tremendous executional responsibility for any business. In order to consistently justify the expenditure associated with trade show exhibits, companies must connect with the greatest number of clients possible at every event. Thus, companies engaging in these promotional outings need to strategically devise a plan of action to effectively get the word out to their targeted demographic and ensure that their business displays see a steady stream of interested consumers engaging with staff throughout the convention. If your company has upcoming marketing conventions, now is the time to go into shameless self-promotion mode and consider incorporating some (or all) of these budget-friendly resources to guarantee a healthy turnout of consumers on function day.
Free Methods To Get The Word Out About Your Trade Show Exhibits
Naturally, you'll want to tap into the free resources that allow you to send a blast to the masses about your upcoming trade show displays. Always start with your own internal methods first as they will usually only require your time. When signing up for any advertorial event, always ask the function organizer for a link and/or logo that can be displayed on your business website listing all the details of the event. Be sure to include any relevant internal information such as new products being unveiled, booth giveaways, etc. to start to build buzz and excitement. Also, many venues have their own marketing resources for the event - ensure that your exhibiting price of admission grants you the right to have your businesses listed on their promotional tools as well.
Once your website has been appropriately updated, it's time to connect with your past, current and potential list of clients. Create an email template letter that can be tweaked and customized as needed for each recipient letting them know about the upcoming event exhibits. Remember to always include personalized reasons why you think the function will be exciting for them as well.
Next, hit the social media marketing scene. Don't have any online networking pages? It's officially (past) time to set some up. Social media marketing sites provide an excellent means for your business to connect directly with the consuming masses. Once your business pages are established, start posting and tweeting about how excited your team is about the trade show exhibits you'll be at. Be sure to include pictures of your trade show booths and products so your network understands why these are must attend events!
Budget Friendly Method For Promoting Trade Show Exhibits
Still looking for an effective way to draw the crowds to your trade show booths? Try an optimized press release. While creating a press release with a professional copy service will incur a cost, a reputable vendor will offer various options sure to work with any budget. Best of all, not only will a press release help get the word out based on determined key word phrases for optimal target audience impact, it will also entice visitors back to your website for a closer look at what your business does. A virtual and literal traffic building win/win!
If you are still nervous about an upcoming audit with the Canada Revenue Agency then you should think about using some of the following steps to help you to get through things with ease. The thing to remember is that each of these is an effective step and something that has worked for others.
The first thing to consider if you are suspected of having a CRA tax problem is to let your accountant work with the auditor. If you have an accountant available to you then you will find that it is important for you to actually have them deal with the auditor from the beginning until the end. This can even be done in their offices so that you do not have any contact with the auditor. It is a good idea to only have the auditor in your area when you have the accountant present.
Auditors are trained to fish for new information so it is really astounding to find out how much they can learn from simple questions that they are asking you as a part of the normal conversation. If you are talking to the auditor you should be careful as to what you say to them. Now if you do not have an accountant available to you then there are some things that you might still want to consider during a CRA audit.
One good tip is to collect all of the questions, think about the answers and answer them at the end of the day. Just tell the auditor that you do not have time to deal with these matters during your business hours and that you will have to give them until the end of the day to be able to answer them. Auditors hate working extra hours so staying late to talk to you means that they will be rushing and trying to cut everything short. This means that you are less likely to be asked any additional questions.
Just like you should try to make meetings at the end of the day, the best day of the week to make these meetings is Friday. It is a great idea to have your meeting scheduled for the end of the day and to be a few minutes late, apologizing for any problems that might have occurred. This too will keep things simple and easily understood.