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Design A Business Card That Will Generate Business

2007-11-24T00:52:00.000-08:00

Here are a few tips on creating a business card that will generate business for you?

A picture is worth a thousand words. Who would you hire to landscape your beautiful new home? Bobs Landscaping Company that has a black & white card or Bills Landscaping Company that has the picture of a nice landscaped garden that he created? A custom designed full color business card can help you beat the competition.

There is a lot to the psychology of color, color affects shopping habits. Impulse-shoppers respond to red-orange, black, and royal blue. Shoppers who plan to stick to budgets respond to pink, teal, light blue and navy. Traditionalists respond to pastels. Bolder brighter colors appeal to those with lower incomes. Higher incomes ore attracted by more subtle colors. These tips must be used when designing your full color business card.

Your business card must have a Unique Selling Proposition. Simply stated a Unique Selling Proposition differentiates you from your competition. If you dont have something different to offer, you better find something or save yourself a lot of aggravation and go work for your competition. It tells your prospects why they should do business with you versus the other guys. No, scratch that; it SCREAMS at your prospects why they MUST do business with you. Dont make it hard for someone to conduct business with you.

Use the back of your business card. If your paying a penny a square inch for the front and the back is only going to cost you 2/10 of a cent per square inch, isnt that a good investment? The back of your business card can be used in several ways. Entice your prospects to visit your business by placing an offer on the back. For example if you own a restaurant offer a free desert or appetizer. If you own an auto repair shop offer a free oil change. Be creative and stick out from your competition.

Print a memory hook on the back of your card. I know a distributor of air purification systems that prints We Have A Solution To Your Pollution?on the back of his card. The phrase just begs you to ask him to explain it. A memory hook is a catchy phrase that will create enough interest that a person will ask questions. A memory hook also helps your prospect remember you.

Always hand your card to someone upside down. This will cause the person to turn the card over and read it, especially if you give them a reason such as a memory hook. How many times have you handed someone your business card and it barely gets a glance?

Your business card can double as a punch card. The restaurant can offer a free meal after purchasing ten meals or maybe movie tickets. Ask your local theater manager about some joint marketing efforts. The auto repair shop can offer a free oil change after purchasing ten or a free car wash. Again, a joint marketing possibility.

You are already paying for business cards, dont waste them and get the most bang for your marketing buck.

Mark Hannah is President of Full Color Resources http://www.fullcolorresources.com, suppliers of custom designed full color business cards. Mark is also an authorized Duct Tape Marketing Coach http://www.ducttapemarketing.com and committed to the success of small businesses.Foreign Currency Converter Latest Dollar Pound And Euro
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Quick Payday Advance Loan

2007-11-17T20:15:00.000-08:00

To decide whether a quick payday advance loan is just what you need, you need to consider a few pros and cons.

The primary consideration for finding the suitability of a quick advance payday loan is to judge your financial position. Do you really need a quick advance payday loan? Can you pay back the amount and the interest that you will incur?

First, however, know what a quick advance payday loan can do for you. A quick advance payday loan puts into your account the required amount of money within hours or at times minutes of your filing a request.

The upper limit of these loans is usually $1500. These loans can be easily qualified for and thus are becoming a rage in America. There can always be unforeseen cash emergencies that arise, and quick payday advance loans fetch you that money without bothering you with too many questions.

The process to obtain a quick payday advance loan can be as simple as calling up a credit lending organization that offers such a loan and verifying your employment with them. you then receive cash in your checking account almost instantly. The basic needs for obtaining such a loan are a proof of your salary and employment. After this process is over the lender asks for a post-dated check, which is including the fee, that he charges which ranges from 15 to 30%.

The quick payday advance loan should not be abused because constantly borrowing against your future paychecks could land you in a deep financial trouble.

After the completion of the term of payment, the amount is automatically deducted from the checking account of the borrower.

In addition, care should be taken that the repayment should be made within the original term only; otherwise, the fee might even get doubled and could exceed the amount of money that you had originally borrowed. Quick payday advance loans are a method of borrowing in emergencies and should be limited to that only.

For further information, you can visit http://www.payday-loans-cheap-fast.org/ .

As the founding director of Outsourcing Haven, Mandeep Raj Mishra has effectively completed a number of SEO projects in various industries. He has been involved in the area of SEO for a couple of years and has also written a number of articles, reviews and critical analysis related to Internet Marketing and Search Engine Optimization.Become A Video Game Tester For
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When is B2B Business Cash Needed?

2007-11-14T17:06:00.000-08:00

In business we find that no matter the size cash is needed for some situations. It is not always necessary to make a large loan when a small amount is needed. It has been found that at times a business person maybe traveling for the company and they need money for such things as meals, tips, cab fares, and the like. Also a company representative may need to purchase a sample item while at a trade show to bring back or they may want to purchase some items for everyone in the office. That is why certain companies have made it their business to set up B2B Business cash advances. The process is so very simple that most business owners have a special number so when they make their call the B2B Business cash advance is automatically put into their bank account. Payment is easy as well because with this kind of advance the money is taken out of the same account when time is due.

The cash advance system ranges from a small loan of $500 to a larger amount around $3,000. There are multiple companies that deal in this type of loan. The truth is you do not even have to tell them why you need the money. The B2B Business cash network is increasingly growing all across the United States and in foreign countries. You can obtain money from foreign banks just as easily as you can from an American bank.

The small business person should go online and do a search for cash advance to find the best rate along with the time period to pay back the cash advance. The list of these companies is very long but it is made simple for the consumer in the search engine. I recommend companies such as Cash Advance, Payday Advance, Sonic Payday, Coastline Credit LTD, United Cash Loans, and AmeriLoan because they are all reliable, no collateral is needed, and the quick easy method of getting your cash on line saves time. Everyone is busy today so time is important as it is said time is money.?Cash on hand is vital in some situations a B2B Business cash loan saves time and money.

The importance of obtaining a B2B Business cash loan is vital at times to keep some business persons up and running. A business may have invested the most of the capitol on supplies to finish a major project that would bring in enough revenue to keep the business going.

When is B2B Business Cash Needed?

The problem not enough cash to meet payroll in order to get this project going it is necessary to meet payroll. American Express and Visa have both created a purchasing card that when used a business owner can use this card as cash in their account. The account then can be used for payroll or even more supplies if need be. This form of B2B Business cash is getting to be one of the most popular methods of obtaining cash for those little business emergencies without the hassle of going to your local bank and borrowing every time a need pops up.

Visa conducted one of the largest studies on purchasing card benchmark back in 2005. The use of ready cash has grown in leaps and bounds. The use of this ready cash has been used by some executives to purchase automobiles, parties on yachts, expensive gifts for clients, and a variety of other not needed but much enjoyed items. The use of the B2B Business Cash has also saved smaller business from going out of business, helped them to grow, and made sure that they could remain sound.

The smaller business normally uses the on line sites for quick cash. The mid-size and larger business prefers the cash cards offered by companies such as Visa and American Express. They have accessibility to larger amounts of cash, each one of their executives can have their own card with a limit if the company so deems and the interest rates are normally pretty good. The B2B Business Cash has really become a success in modern business practices. The report discovered that about 85% of respondents increased purchasing power with the use of the B2B Business cash plan offered by these credit card companies. This is really a purchasing power that all new business people should consider. Those who have been in business should investigate the power of cash on hand without a hassle.

This article has been supplied courtesy of Bill Darken. Bill often writes for B2B Business Factoring. This site is dedicated to supplying the latest news and articles on small business factoring to assist people progressing with information and news. You can also look for small business information at small business answers. Small Business Loans are accessed at, http://loans-only.com/.New Ways To Ingest Nicotine And Fight It Minneapolis St Paul Star
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How To Find Hot Niche Markets

2007-11-11T18:13:00.001-08:00

Working out what your niche market will be to start your home business is something that can elicit much excitement. This is when you can put all those great ideas you have had for your business into a plan of action. Give yourself a number of options to work over. Some will be great and some won't fit. Get more than one so you always have a back up when you start a home business.

Look to 3 sources for ideas:

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

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

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

Defining your niche market:

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

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

3. If you search out that same key word on Google search engine http://google.com then you will see websites supplying that item and you will know how many competitors are out there that will be competing with you when you start a home business.

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

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

Establishing your USP:

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

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

1. Get ahead of your competitors

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

Deciding on your business model:

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

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

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

* Marketing-taking the product and selling it

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

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

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Travelling with Your Camera

2007-11-10T08:35:00.001-08:00

Think positive! The year's not half over, there's still half to go. That is when it comes to Photography Events and Festivals.

At least once a year, all across the country, smalltown America comes together to show their spirit by holding family-friendly festivals. These events are generally held on a weekend and feature local art, music and culture. And then there are the week long functions, such as the Yamhill Fair and Rodeo, which is held Sunday to Sunday in McMinville, Oregon. Not only will you FIND local art and cultural here, but you'll want to have your camera handy for those awesome rodeo riders and prizewinning flower entries.

But the Photography Events I'm going to acquaint you with now are the ones held in metropolitan areas throughout the world. These functions draw both local and internationally acclaimed artists. There are several well known events planned for the second half of 2007. Some of these festivals are being held in various cities throughout the United States, one in Canada and two in France. If you've dreamed of combining a vacation with your love of photography, this may be your chance to do just that. Choose a destination, pack your suitcases and camera bags and head out for the experience of a photographers lifetime.

First on the calendar is the Les Rencontres D'Arles Photographie held in France. Although this has already begun, it runs until September 16. If you are fortunate enough to travel to this phenomenal show, you will encounter 50 magnificent expositions.

Next on our calendar is the Foto Septiembre USA, held every year September 1 - 30 in San Antonio and other Texas cities. This is an International Photography Festival which is a popular destination for both artists and photography enthusiasts. Not only do they provide a forum which allows artist to exhibit their craft, but they also operate through a website and publication. This provides exhibitors, sponsors and advertisers the additional valuable support of internet exposure.

Next we head north to our Canadian neighbors in Montreal. The Le Mois de la Photo has been held every year since its inception in 1989 to celebrate the 150Th anniversary of photography. It is dedicated to Fine Art Photography and will feature 30 exhibits in galleries and museums throughout the city. The goal of this event has always been to educate the general public about photography as an art form. This year's guest curator will be art historian Marie Fraser whose theme will be The Narrativity of The Image, which should prove to be a captivating topic.

Next we're headed south to Georgia for Atlanta Celebrates Photography, ACP9, held in October. This is a citywide festival which is in its 9Th year. It has art exhibits in diverse locations throughout the city. You will enjoy lectures by international and local artists, a pushpin show, a film series and the public art program.

On to The Big Apple and the PhotoPlus International Conference + Expo 2007 being presented October 18 - 20. This is being called the premier event for forward- looking imaging solutions and photographic education. It also promises to bring leaders, pioneers, and rising new stars together for unprecedented networking events.

Paris Photo which is considered by many to be the leading fair for still photography will be held this year on November 15-18. It will offer photo enthusiasts some 100 galleries and publishers from all over the world. In addition to the exhibits, there will be book signings, prize award ceremonies and lectures. What could be better than to be in the City of Lights with your camera and other photographic devotees.

We wrap up the year in Florida at the Photo Miami scheduled for December 5-9. This International Contemporary Art Fair will be held in the Wynwood Art District of Miami. It focuses on Photo-based art, video and new media.

Any one of these Photography Festivals would be a once-in-a-lifetime trip whether you're a hobby photographer or photograph for living. Dust off you your camera bags and hit the road.

Suzanne VanDeGrift of Web Submission Services, Inc. has developed this article for http://M-ROCK.COM manufacturer of a Modular Fanny Pack Camera Bag SystemCounselling Therapy And Anger Management By Therapist In Cambridge
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Write Powerful Business Letters That Sell !

2007-11-06T17:52:00.001-08:00

Writing good business letters is a skill often overlooked in todays rapidly moving business climate.But without the ability to write succinct and compelling business letters, you are at a serious disadvantage in any area of business

In addition to writing articles, the ability to write succinct and compelling business communications, ie.business letters and reports, is an absolute must in achieving credibility and commanding respect from those with whom you do business.

Business letters account for over 90% of all interpersonal business communications. A poorly written business letter can cost you sales, leads, or contracts.

While similar in purpose and intent ie.(to inform; to motivate; to convince etc.) article writing and business letter writing differ primarily insofar as audience is concerned.

Your article audience can be hundreds, thousands, even millions.

On the other hand, a business letter is aimed primarily at one or possibly several people ( board of directors)etc.

The person receiving your business communication will definitely judge you in large part on the basis of your written communications skills.Whether you're applying for a job; bidding on a contract; or trying to make a sale.

Your letter is in effect your personal representative or your "advance person" so to speak.It presents a non visual "picture" of what you are like. Your skills, abilities and mindset.

And as with a human representative, you want your "written rep" to present all the values and standards that you stand for.You want that "picture" to be sharp, clear and most of all positive.

Here are some points to keep in mind when writing your next business letter to make it powerful and effective:

Your Greeting or Salutation
The Opening Sentence
The Opening Paragraph
The Body Of The Letter
The Concluding Paragraph Or Close
Punctuation
Spelling
Grammar

The Salutation

What do you know about the person?
What is the persons title?
Is the person male or female?

The Opening Sentence

This usually states the reason you're writing

The Body

Here you give the details of what you want to say

The Closing Paragraph

Here you summarize succinctly what you said in the body

Last but not least always check your spelling, punctuation, and grammar. Despite what some internet marketers say, spelling, grammar and punctuation, are extremely important in interpersonal business communications.

Finally, after several proofreads, then and only then do you sign your name and you're done!

Here is a terrific resource that will sharpen your business letter writing skills and really put you in the big leagues of business communications-http://www.articlesamerica.com/business/business/index.htm

Jerry Johnson owns and operates ArticlesAmerica. ArticlesAmerica is a rich featured article directory that serves high quality content to webmasters, marketers, and website owners. Get content for your site or submit articles now.Classroom Management An Overview
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Unusual Specialist Insurance Explained

2007-11-05T15:57:00.000-08:00

Although most people are familiar with regular types of insurance like life insurance and home insurance, there is an increasing demand for more unusual types of insurance. Basically, anything that you might feel is a risk can be insured against. Here are some examples of insurance types that you might not have considered before:

Reasons for an increase in unusual policies

Unusual insurance policies are becoming more common for a number of reasons. Firstly, people are more informed about what they are at risk from, and so want to protect themselves accordingly. Secondly, the increase in lawsuit culture has increased the need for types of insurance. People are being sued for more and more reasons, and so the level of cover they need is increasing both in value and in scope. Also, the rise in unusual insurance policies amongst the rich and famous is leading everyday people to follow suit.

Pet insurance

One type of insurance that has moved from unusual to fairly common is pet insurance. Many people love their animals as if they were a member of their family, and with vets bills being so high it does make sense to insure your pet. Pet insurance usually covers vet bills as well as liability and compensation should the animal die. There are now dozens of dedicated pet insurers to choose from, with cover for dogs starting from around 5 per month.

Star employee insurance

A number of companies are beginning to see the importance of their top employees, and are taking policies out to cover them against loss should anything happen to these key members of staff. Whether you are a sales company with a great salesman or a club owner with a great singer, then you could lose earnings should anything happen to your star employee. Taking out a policy to cover you against a drop in earnings might be a good idea.

Body part insurance

Some of the most unusual insurance policies that are in demand are for the insurance of particular body parts. With celebrities like David Beckham and Jennifer Lopez insuring their prize assets, other professions are following suit. Many chefs, athletes and musicians are getting their hands or feet insured in case they are damaged. Although this might seem a little vain, it can in fact be very sensible. If using your hands for playing an instrument is how you make your living and you severely injure yourself, then you might need significant compensation to stop yourself getting into financial difficulty.

Antique insurance

Perhaps the most frequently used unusual insurance policy is the insurance of specific art pieces or antiques. Regular contents insurance is unlikely to cover you for such items, and you may be better taking out a specific policy that covers against more regular loss or theft. If something is irreplaceable and gets damaged you will want a policy that will cover you for the costly restoration of that item. Whatever type of unusual insurance you get, remember to ask yourself if you really need it, and to shop around to get the best deal. Although these policies are not advertised, many insurers might be able to help you with your specific requirements.

Peter Kenny is a writer for creditcards-gb.co.uk. For additional articles and an extensive resource for everything about credit cards, please visit us at Balance Transfer Credit Cards and Home Insurance Visit http://www.creditcards-gb.co.uk Fast Make Money Tip
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List Building: Gain Massive Opt-Ins Through Headline Testing

2007-11-03T18:20:00.000-07:00

Coming up with five headlines is the first thing you need to do before you think about anything else. Headlines are really the most important part of any squeeze page, which is key to list building.

If you want to be lazy about it, you could have a headline and an opt-in box and if your headline was good enough, you would get subscribers for your list, without any bullet points or anything else. You could have a headline and your first name and email, and you could get people to join your list. But, you would need a GREAT headline that is benefit-driven.

But that's not the right way to go about building a squeeze page, if you want a responsive list.

To get the right list-building page, you should always be testing, so start with your headlines. Split test them, using two headlines at the same time. The headline that pulls the most opt-ins for your list wins. Then, try another, and see if it builds your list faster than the winner, and so on. The trick is to keep testing until you have the best possible headline.

I would start with an AB split test. Do two different pages and have the only difference on those pages be the headlines. Maybe start with 500 visitors and see which headline pulls better.

But remember, some people have these gigantic monitors and unless you give your page parameters, your headline will go across almost their entire screens.

Size your headline to about 650 to 750 pixels in width. You can do that by creating a one column-by-one row table and putting all of your page information into it. That will assure that your headline stays where you want it to be, regardless of your visitor's monitor size.

And once people opt-in to your list, your thank-you page should also be a sales page, just like everything else. That means you need a good headline there, too, and you have to be delivering benefits the whole way through. Thank you and welcome aboard?isnt going to cut it.

But, heres the problem, and this is a major issue on the Internet with entrepreneurial businesses, especially the people who are just trying to make things crank?there are so many opportunities that you get lost in trying a whole bunch of different opportunities at once. But the first thing you need to do is build your list!

Jumping from program to program is not going to lead you to success. Whats going to lead you to success is first building a great list, and then, deciding on an opportunity and saying, Im going to make this work no matter what,?and you just go. You get advice from list-building experts, tweak your squeeze pages, and improve over time, but you make it work and you learn everything about list building that you possibly can, first!

Test to find the right headline and choose one page format for your list-building page until you can say, Yes! It's converting at 35%! I spend $10 and I make $20 every single time I send them a message!?

Once you have a great list and you want to start messing around with other things, go for it, but you need to get the first thing nailed and then start tweaking something else. The key is not to get caught in the headlights. No paralysis. Just do it!

Tellman Knudson is CEO of http://OvercomeEverything.com and offers more very helpful advice about building a huge, responsive list at http://MyFirstList.com ( http://myfirstlist.com ).Ebay Free Make Money
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Your Website Is The New Lemonade Stand

2007-11-01T10:28:00.001-07:00

Internet marketing is a new place with the same old purpose. When I first learned about Internet marketing, it felt as if I had been there, done that. I reached back in time to find how Internet marketing today was something I already did, years ago. I was a nerdy kid who was more interested in commerce than dolls. I persuaded my dad to help me setup a lemonade stand on the lawn in front of our one-story home. I mixed up a batch of fresh squeezed lemonade, grabbed my mother's favorite milk glasses, and hung up a cardboard sign with the words, "Lemonade 10?" I greeted my first customer within the hour. It was fun stuffing all those 'In God We Trust" dollar bills into an old cigar box.

Today, dollar bills fly across space and deposit themselves into my bank account. That's different! But commerce is still the exciting challenge that left my dolls unattended on the shelf. The Internet has opened up endless possibilities for commerce. And just like the sign I hung up years ago, we still put signs out to attract buyers. It's not so different.

You meet people, show them your wares, let them know why your lemonade tastes better than anyone else's and after they buy a glass and take a sip, they come back for more. It is such a simple concept, it's a wonder why so many marketers make it sound so confusing.

Think of Internet marketing as if you were tacking up a sign on your lemonade stand. Now, think of your website as your lemonade stand. It's easy to see that all you have to do to attract more customers is hang up lots of signs all over the neighborhood. Now, picture yourself standing on your front lawn as cars speed by and no one stops to buy a glass of your frosty lemonade. That's what happens when you don't put out any signs.

There are many places where you post your advertising sign on the Internet. Google, Yahoo!, Ask.com are well known hot spots to post your sign. It's called pay-per-click advertising. You rent sign space, but pay only when someone clicks your link and lands on your web site page. What if you get hundreds of clicks at $1.00 each. Yikes! That can add up. But it is a real sunny day when the visitors that come from each click, engage your offers and become a new business contact. That's a lot of lemonade!

But what if people land on your web page and don't like the color of your lemonade. Sales conversions will be low to non existent. So before you hang out any signs inviting customers to your website, do a sales checkup. You want the words on your web pages to show and tell visitors just how tasty your offers are. You want both substance and persuasion throughout your web page copy. If you're not sure how to write your copy, there are many professional advertising copy writing services ready to help you.

Speaking of your web page copy, another way to bring buyers to your web site is search engine optimization (SEO). This is like dressing up your lemonade stand sign with the right words. How many takers would I have gotten when I was a kid if my sign read, "Cold Beer" when I was clearly selling lemonade. People who stopped by for a beer would not be pleased. And what if I wrote those words in a foreign language. People would be confused, and so would search engines. It is just as important to speak in a language search engines understand as it is to speak in a language your web page visitors understand. Search engine optimization makes that happen. And the beauty of search engine optimization is you get free clicks. It's like posting signs all over the Internet inviting customers to come and buy a glass of lemonade. But in this instance, all your posts are free. You don't pay for the clicks you get. How cool is that!!

Internet marketing may be a mystery to you, and you may not even know enough about it to even consider it as a necessary arrow in your marketing quiver. Who wants to run up a credit card on this unknown thing called Internet marketing. Unfortunately, this nebulous selling environment is it. It's the place. Your website is the new lemonade stand, and Internet marketing attracts buyers.

We meet and we both benefit. We still have that in common. If you have a website, check your web pages for substance and sales persuasion, optimize key pages and start marketing online. Post those signs. Let people know how good your lemonade is.

Alexandria Marx has 20 yrs direct marketing copywriting, web design and Internet marketing. She's published two books on sales and marketing, and offers sales checkups and marketing tips for small business. http://www.dm-creative.com Business From Home Home Make Money Online Work
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Lag - The Secret Move to Longer Drives in Golf!

2007-10-31T13:58:00.000-07:00

Why Life Insurance?

2007-10-29T14:13:00.000-07:00

The insurance industry is booming, providing an essential lifeline for the unexpected events in life. Whether its car insurance, home insurance, pet insurance or even life insurance, the insurance industry is there to protect us against the unexpected, and to financially assist in covering the losses arising from these events. It may be easy to understand the concept behind various types of insurance, but one which often causes confusion as to its purpose and function is life insurance. Furthermore is life insurance a worthwhile topic for consideration, and should we be looking to insure our own lives for the benefit of our families?

Insurance, by nature, is designed to provide financial security in the event of some mishap or unexpected event that leads to unexpected losses or expense. Naturally, incidents like car accidents, house fires, vet bills they all lead to great financial loss which ultimately can break the bank for many families living on the edge of their means with a finely balance budget. But what about death? Aside from the funeral expenses of the deceased, insurance can also cover the loss of earnings which would otherwise contribute to the family funding. Suppose the main household earner dies prematurely. This could leave the family in need of childcare expenses whilst the surviving parent is required to work double the number of hours in order to make ends meet. Especially during such a difficult time as bereavement, financial worries can cause undue stress and suffering, and can have a drastic impact on the family situation.

That's where life insurance comes in. Paying into a life insurance policy will mean that should you die suddenly and unexpectedly, your family will have the financial means to cope with their loss, whilst being able to maintain their current financial commitments until they can plan for the future. The benefit of a life insurance policy is peace of mind; the knowledge that your loved ones will be cared for after your death is something which many find reassuring, particularly in households where there is one major breadwinner. Additionally, life insurance policies can be designed to cover the immediate expenses of death, like funeral expenses which can often run into the thousands. By providing a lump sum payment on death, a life insurance policy can ensure your friends and family aren't overly financially burdened on top of the emotional burden of losing a loved one.

Life insurance can often be a tricky area to deal with, and many people find the motivations behind it somewhat morbid. They can often find the concept hard to grasp, and beyond funeral expenses the financial loss of a loved one can be difficult to quantify. However, particularly where there are a number of financial dependents in the household, it can be a great idea to ensure adequate coverage after death, so you can know that whatever happens, your family will be able to financially cope without your earning capacity, and your household won't crumble without your financial input.

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Molybdenum Expert Predicts Shortages Ahead

2007-10-22T09:22:00.001-07:00

If one believes the forecasts recently made by Terry Adams of UK-based Adams Metals and the Albemarle Corporation (NYSE: ALB), then the escalating demand for molybdenum products could impact the stainless steel business of POSCO (NYSE: PKX). The Korean-based steelmaker, with about 6.5 percent of sales coming from stainless steel, is the worlds fourth or fifth largest, depending upon production or market capitalization.

According to the companys 2006 annual report, POSCO exports more than 70 percent of its steel products across Asia, mainly to China, Japan and southeastern Asia. In response to record high nickel prices, the steelmaker announced it would begin manufacturing nickel-free stainless steels. So did European steelmakers ThyssenKrupp and Outokumpu, which has heavily relied on its austenitic products.

Would a sustained rally in the moly price result in the same backlash nickel recently suffered? Unfortunately for steelmakers, molybdenum has a broader range of applications than nickel.

At a recent industry conference, Terry Adams shocked his audience by warning of potential supply/demand imbalances commencing as early as 2011. He believes by 2015, the molybdenum price could get interesting.?

But, this wasnt the first sign of brewing trouble for molybdenum buyers. In early May, one trader told American Metal Market magazine, We just dont have any supply available.?He lamented that primary moly producers, also known as swing producers, have nothing to sell right now.?

On June 18th, China is expected to announce the export quotas for molybdenum products it has assigned to a limited number of exporters. Potential labor disputes at copper mines in Mexico and Chile could further reduce available molybdenum supply later in June. A Chilean labor spokesman warned of a hard and prolonged strike.?Molybdenum mined as a byproduct of copper production accounts for about 60 percent of the global supply.

At this pace, molybdenum pricing could be severely impacted as early as this summer. By next year, if primary molybdenum production doesnt quickly rise to meet the demand, the pricing climate could worsen for end-users. Some traders believe moly prices could soon creep above previous price peaks two years ago. Things are going to get a lot firmer because theres a lack of material,?one trader reported earlier this week. Theres not a lot on the ground.?

According to different down-the-road forecasts, the magic demand number is 460 million pounds of molybdenum. Adams predicts that projected western world demand could reach this consumption by 2015. Others believe strong moly demand could bring this target consumption a few years earlier.

Another concern is one we highlighted in a previous article.
http://stockinterview.com/News/11082006/Roasting-molybdenum.html USGS molybdenum commodity specialist Michael Magyar warned of a bottleneck, ? we cant roast much more moly right now. No one is actively permitting for more roasting capacity in North America.

Additional roasting capacity is, however, coming online this year or next, courtesy of Molymet. Adams points out, With the growth in demand a new roaster, the size of the new Molymet roaster is needed every two years.?Adams further explained, Without further investment a roaster bottleneck could occur in 2011. Molymet plans another roaster about this time, but this would only allow another two years growth.?

In his presentation, Adams glimpsed in the future. While western world demand should continue to annually increase by three percent, demand in China and the C.I.S. could increase by more than 10 percent every year. The combined global effect would be an annual growth rate of about 4.5 percent,?he predicted. Western mines will have to increase production by at least 6 percent per annum.?

As we and others have concluded, Adams forecast, Increased output at primary (moly) mines will be needed to fill the gap beyond 2009.?

We presume delegates from the junior molybdenum mining attendees mentally began popping champagne corks after Adams announced this point. But it was his next two points which investors should digest:

* New or shuttered primary mines will have to open by 2011
* By 2013, current primary mines and Climax could be at capacity

High-Level Growth in the Molybdenum Chemical Market

Having researched molybdenum for more than one year, only recently did a couple of technical experts ( http://stockinterview.com/News/06042007/molybdenum-copper-nickel-condenser-crossover.html ) help us understand how much molybdenum is utilized in the condenser tubes of nuclear and desalination plants. Because of the diversified applications for this metal, there is less reliable information about the molybdenum sector than in others weve explored, e.g. uranium.

We continue to gather data for our next publication, Investing in the Great Molybdenum Bull Market,?and will present our detailed research in late August.

We have discovered two strong-growth areas for molybdenum applications.

Its not just the steel market which uses molybdenum. Although the stainless and low alloy markets represent about two-thirds of molybdenum usage, the fastest growing market appears to be catalysts in the moly chemical market.

According to a spokesman for the Albemarle Corporation, moly consumption in the catalyst section could grow by more than 30 percent by 2011. The chemical sector could consume as much as 30 million more pounds in the 2006 to 2011 time period.

The global catalyst market is expected to reach US$13 billion in sales this year. Of this the petroleum refining sector should consume about 35 million pounds of molybdenum. The moly is used as a hydroprocessing (HPC) catalyst.

Growing global demand for crude oil, changing fuel specifications and strength in demand for aviation and diesel fuel should contribute to molybdenum demand.

Because the overall quality of crude oil has significantly deteriorated, over the past 25 years, more molybdenum could be consumed as a catalyst during the refinery process. Sulfur content in U.S.-imported oil has doubled over this same time period. Molybdenum-based catalysts are utilized to remove sulfur from petroleum, petrochemicals and coal-derived liquids

Tighter specs over the past 15 years have demanded a higher performing catalyst and more contained molybdenum in those catalysts. Over this time frame, catalyst demand per barrel of crude oil has doubled ?an average growth rate of five percent per year.

One industry expert expects global HPC catalyst growth to annually increase by eight percent between 2006 and 2010. Molybdenum consumption for this use could increase by 46 percent through 2010. Annual consumption could rise to more than 60 million pounds of molybdenum.

Lack of New Primary Mining Supply

The typical molybdenum concentrates being sold by the copper producers, as byproduct mining, contain 40 ?45 percent Mo. Concentrates from primary producers often average 50 ?55 percent.

As a result, primary molybdenum mining operations offer a more desirable concentrate. Technical moly, also known Mo03 (molybdenum trioxide) specifies 57 percent Mo and contains less than 0.05 percent copper and 0.1 percent sulfur. Primary molybdenum producers provide concentrates with lesser amounts of deleterious elements.

Because the concentrate is cleaner,?less roasting is required to upgrade the material to tech oxide spec. Less electricity is expended to power the multi-hearth furnaces during the roasting process. The cleaner primary moly concentrate offers the roaster more flexibility. The higher spec concentrates can be blended with lower spec concentrates to upgrade the overall product, or the roaster can refine the higher spec material separately if the end-user requires it.

The less roasting to bring material up to spec could also help avoid the bottlenecks a few years from now.

Although byproduct molybdenum producers are expected to bear the brunt of increased demand, the copper producers arent cooperating. Codelcos molybdenum production dropped by 25 percent in 2006 to 60 million pounds this past year. Moly production could drop another 15 percent or more this year.

Because of the recent molybdenum price revival, dozens of exploration companies have suddenly?become molybdenum companies. There are scarce few with a potentially viable project.

Those primary molybdenum producers and future producers weve been monitoring appear to be moving their projects forward.

Thompson Creek is Thompson Creek. This has emerged as the primary?primary player in North America while the world waits for Climax to come online again. Some believe the companys Davidson moly deposit in British Columbia may not arrive on the companys timetable. If so, then this could further pressure the moly price.

Roca Mines should become a producer during July. But, this company also hopes to expand its operations deeper and should also commence those exploration efforts this summer. In the interim, the high-grade molybdenum found at the companys MAX mine should become a cash cow in the third and fourth quarters of this year. And for several years forward. Although the company is not yet in production, there appears to be no scarcity of molybdenum traders clamoring for the companys future production. Another indication of a tight market.

Last month, Adanac Molybdenum Corp ordered its long-lead time equipment for the construction of its mining and milling complex at Ruby Creek. Expenditures totaled nearly C$40 million, for which the company has made its down payments. Also, some time this summer, Adanac should finally receive its permits and commence construction. While the company boasts of 220 million pounds of molybdenum, a recent chat with Adanac consultant Ken Reser suggests Ruby Creek have more pounds than was previously thought. Ongoing drilling results could later confirm this speculation.

We continue to watch United Bolero as a promising development company in Montana. We were told drilling at Bald Butte began over the weekend to upgrade the resource category. Hopefully, the drilling program will also move to its nearby Cannivan Gulch property. Historically, but not technically documented, major miners, who worked these properties in the previous moly cycle, estimated the companys properties could host more than 400 million pounds of molybdenum.

Primary producers, such as these and possibly others, is what molybdenum end-users are depending upon to meet their needs as we approach 2009, 2010 and beyond.

Over the course of this summer, well further study other potential near-term producers, such as Moly Mines and others.

Conclusion

Many in the industry have warned us about the potential increase of moly dumping?by the Chinese. Historically, China has helped chill out molybdenum prices in the past. According to Adams, as noted earlier in this article, China could become less of a factor.

Fundamentally, this should not be a concern. Typically, a country is indirectly focused on the background of its leading politician. In Chinas case, the eight members of the Politburo Standing Committee ?Chinas most powerful politicians ?are all engineers. All are graduates of engineering or technology schools.

Chinas president was trained as a hydraulics engineer. The premier is a geologist, who also has a degree as a mining engineer. The former vice-premier was trained as an electrical engineer, as was the propaganda?chief. The Secretary of Political and Legislative Affairs was trained as a metallurgist. Others hold degrees in thermal engineering, radio electronics or electronic motor design.

Engineers like to build things. China has embarked on the greatest industrialization period in history, dwarfing the construction of infrastructure of the late 19th century in Europe and North America. Because molybdenums applications include architecture, energy, petroleum refinement, coal conversion, chemicals and other industrial applications, we would not be surprised if China soon announces the strategic?importance of molybdenum (as it has uranium) and stops all exports.

Molybdenum also plays a strong role in numerous and diverse military applications. Globally, military spending reached $1.2 trillion last year. In 2006, China surpassed Japan as the largest military spender in Asia. The U.S. Pentagon estimates China could be spending up to US$125 billion this year. At least ten varieties of ballistic missiles are deployed or in development. Our preliminary research into this subject confirms the large percentage amount of molybdenum utilized in missiles. In some applications, the moly content is greater than 20 percent.

In summary, every time we delve into a new area to investigate demand for the molybdenum application, we find growth. Strong demand could surprise many stock and industry analysts over the next decade. In the meanwhile, more primary molybdenum producers need to come forward. Unlike some, we dont believe the molybdenum story has yet been fully revealed. This summer, we hope to make the molybdenum market more transparent ?both on the demand side and the supply side.

COPYRIGHT © 2007 by http://StockInterview.com

James Finch contributes to http://StockInterview.com and other publications. He has contributed to the widely popular Investing in the Great Uranium Bull Market,?and Uranium Outlook 2007 - 2008.?His recent work, Investing in Chinas Energy Crisis,?is now available at http://bookstore.stockinterview.com/Free Guide Make Money Runescape
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Higher Ground Negotiations: Don't Compromise Your Position with a Compromise

2007-10-21T17:34:00.000-07:00

I still remember sitting in the car with our French representative on the way to our customer's factory north of Paris some five years ago. At that time I was Director International Sales for a German technology company. The conversation went this way.

"Alain, what do you think? How much of a discount will Monsieur Ribault expect? You know, we offered the instrument including all accessories, installation and commissioning for 350,000 USD."

"The last time, we sold the same machine for 280,000 USD was four years ago. Also, I know, you added some features to the machine that improved its performance. However, knowing M. Ribault, it will be tough to achieve a higher price than last time."

"The price for the previous machine was already at the bottom. Our cost increased, not decreased, with higher wages, higher material cost and improved design. So we need a higher price this time."

"Well, we can try to get him on 300,000 USD. Would that still be acceptable?" I inquired.

"Actually not, but o.k. At the same time we need this order now, so if he can decide immediately, we are willing to compromise to 300k."

I knew that M. Ribault was a tough negotiator but I also knew that his company, a multi-national automotive corporation, was very satisfied with the machine they bought four years earlier.

When we met M. Ribault, he opened the conversation by saying that his top management's requirement was to reduce the cost for any supplier by 3.5% per year on the average. This policy was introduced the year before.

M. Ribault was not a man of many words and he frankly stated: "We need your price to go down by 7% at least, i.e. the maximum we can pay for this machine is 260,000 USD. If you can't follow our policy and efforts to reduce our cost, I'm afraid that we will need to look for alternative suppliers."

Wow, there I sat, expecting to get a better price and now I had an important customer seriously saying that if we didn't lower our price to 260,000 USD, we would be out of the game.

At first, I tried to explain why in this case it was impossible for us to lower the price and that we actually needed 7% more, not less. I realized quickly that this attempt would lead nowhere.

So what to do? Negotiate and pressure him so long until we reached a somewhat still tolerable compromise? Perhaps to reach at least the same price as last time? Give up? Give in? It seemed like one of us had to lose and that one would most likely be us, no matter if we compromised or not.

When I thought more about it, I realized that M. Ribault's company would also lose. I knew that our instrument was by far the best the solution they could get for this application, so if we gave up, they would lose by choosing another supplier. If we gave in, they would lose because with such a bad margin on our side, service would be reduced to an absolutely necessary minimum in order to recover at least some of the lost margin.

Was it a lose-lose situation that couldn't be overcome?

Suddenly, I realized that any common ground would not be attractive enough. We had to do something outside the box to turn this negotiation into a win-win situation for both parties.

Traditional negotiation practice teaches you to optimize your position when trying to establish a common ground. Common ground negotiations are straight forward and usually the fastest way to achieve an agreement. In most cases, they require compromises from one or both parties. Common ground negotiations are the appropriate procedure if the compromises are still attractive for both parties. Unfortunately this is often not the case.

So what do we normally do?

We either compromise our desired position through a sub-optimal compromise or we pressure the other party into an undesirable compromise, or both. In the worst-case scenario, we exit and let the negotiation fail.

Some might think, well, no problem if the other party compromises their position as long as we get what we want. A win-lose situation is a win for us and therefore is o.k.

I wholeheartedly disagree with this concept.

I strongly believe that if one party loses, both parties lose. Any win-lose situation eventually ends up as a lose-lose situation and is therefore not desirable.

So what else to do?

The answer is "Higher Ground Negotiation" which means to leave the common ground and to look for a higher ground that is attractive to both negotiation parties. To do this successfully, we need to have a few pre-conditions in place:

1. True trust between both parties

I elaborated on the issue of trust and it's three key elements in our July edition of this E-Zine. Kindly refer to this section.

2. The willingness of both parties to create win-win situations

Of course, many hardcore negotiators still believe that a win-lose outcome is desirable. You may attempt to change your negotiation partners' beliefs on this by coaching them through the potential consequences of win-lose situations. However, if this turns out not to be fruitful, you will need to decide on whether or not you want to continue doing business with people who want you to lose every time you deal with them.

3. A thorough understanding of what is important to the other party

If you have built some trust with your negotiation partners, they will help you understand what is truly important to them...and that may go way beyond the price of your product or service. You need to gain a thorough understanding of the other party to find a higher ground that is attractive to both them and you.

Once you have these three pre-conditions in place, you can start exploring an attractive higher ground. You will have to think outside the box and be creative. A solution might not be evident right away, so you might need to do some meaningful brainstorming.

In the case of our French customer, we discovered that there was an upcoming need for certain other products this company would typically source from our competitors. For a long time, my colleagues had tried to sell these kinds of products, but without success. I knew that we had rather big margins on them and could compensate for the loss of margin caused by selling the other instrument at 260,000 USD.

So everybody won. M. Ribault got his cost reduction, we got the order not only for this instrument but also for the other products and therefore could still get a good overall margin...and my colleagues were happy to finally get a chance to have their equipment employed at this important company.

Conclusion: "Winning" in negotiations means creating win-win situations. If one party loses, ultimately both parties lose. If the traditional approach of finding a common ground doesn't lead to any attractive outcome for either party, you may need to look for a higher ground. Higher Ground Negotiations require trust, the desire for win-win situations on both sides, and a thorough understanding of what is important to the other party. With creative out-of-the-box thinking, an attractive higher ground can be found which results in true win-win situations making it unnecessary for you to compromise your position with a compromise.

Copyright 2006 Progress-U Ltd.

Charlie Lang's mission is to change the image of sales through the completely buyer-oriented Stop Selling! approach. He is a passionate and professional executive Coach, Trainer, Public Speaker and Author of over 100 articles related to leadership, coaching, change management and innovative sales. For more info visit http://www.progressu.com . To receive his monthly articles on sales or leadership, visit https://secure.thriva.com/Reg/Form.aspx?IDTD=1259&IDRPH=2039 Easy Way To Make Money On Runescape
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The Best Pulling Ad Ever!

2007-10-20T21:38:00.000-07:00

How this little ad increases your inquires.

I still use this style ad to test the response Ill receive from ebook or sales letter. I guarantee this ad will pull if you place it in front of the right prospects.

My best ad reads Free ebook?followed by enter your name and email address?to receive your Free ebook. This ad has always been my best pulling ad.

In addiction to sending them the Free ebook I also send them to my website. Once I collect their name and email address I also send them follow up emails offering my other products to them.

This works like crazy.

Your best customers will be those who are just starting out online. They are active and seem to be buying everything they come across.

Who are the people who buys the most online?

It is the people who are known as opportunity seekers these are the easiest to sell your products or service too. So make sure you collect their names and email addresses. So you can continue to send them your other offers.

Remember the rule of thumb here. They have to see your advertisement at least 7 times, before they will respond and buy your product.

Many people fail to follow up with their customers with their other offers. And this is like leaving your money on the table. And what happens, their customer will go to another website to spend their money.

In the online business follow up sells is where the big bucks are made. Those who dont follow up with their other offers will soon be out of business..

Copyright © 2007 & Beyond All Rights Reserved.

This article may be distributed freely on your website and in your ezines, as long as this entire article, copyright notice, links and the resource box are unchanged.

John Arrington has been in the marketing business since 1995. John is dedicated to helping others to become successful with their business. Big Business In Make Money Own Small
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The Familiarity Factor

2007-10-18T18:20:00.001-07:00

In marketing there are two big factors that help you attract clients consistently. The first is Strategy - the ability to create an effective client-attracting plan. The second is Implementation - the ability to put that plan into action.

But there is another, perhaps even more important factor that helps you attract clients. You might call it the Familiarity Factor.

I have noticed that people are simply more likely to do business with you (Strategy and Implementation being equal) if people feel that they know you, like you and trust you.

How important is this in the whole scheme of things?

Just a tiny bit of the Familiarity Factor can tip the scales in your direction. Take a call to a prospective client, for instance. If you call with the name of someone they know as a reference, your chances of getting somewhere in the conversation are greatly improved over making a cold call.

Think about that. The only difference is that you have a name of someone they know. The Familiarity Factor is both powerful and subtle. And any way you can increase the Familiarity Factor in your marketing, the greater success you will have.

How can you increase the Familiarity Factor in your business?

1. Be more visible. Network in groups and meet people face-to-face. Give talks. Send an eZine. All of these activities are not only good marketing strategies, they simply get people familiar and comfortable with you.

2. Listen more than talking. When you meet people, work at listening and getting to know them more than trying to impress them. Funny thing - when you listen they feel they know you better and trust you more than when you talk.

3. Give away information. Everything from free reports to web site content, to a talk or presentation. This enables people to check you out without any pressure. Haven't you felt you really knew somebody after hearing their talk?

4. Use case studies and testimonials. These are much more powerful than anything you can say about your services or how you work with clients. Create a written success story from every successful client project.

5. Write conversationally. Just write (letters, marketing materials, web copy, articles, eZines) as if you're talking to someone face-to-face. Keep it real.

6. Be accessible. Make it easy for people to reach you by email and by phone. And when they reach you, be a "regular person," don't go into "sales and marketing mode." Listen more than pitching.

7. Ask for referrals. Remember the example above. A name of someone familiar is an immediate ice breaker. Look, if your clients are happy with the work you do, they will happily give you leads. You just have to ask.

By all means, develop and plan effective marketing strategies and work on consistent implementation, but also work at weaving the Familiarity Factor throughout all your marketing activities.

Robert Middleton, the owner of Action Plan Marketing, has been helping Independent Professionals be better marketers since 1984. On his web site http://www.ActionPlan.com find valuable resources, products and programs for attracting more clients. Get a free copy of his Marketing Plan Sart-Up Kit.real ways to make money
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