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Business News Articles

How to Manage Your Money Effectively – A Guide to Budget Planning and Spending

Learning how to keep track of your money with pencil and paper should be placed on your priority list when you’re setting personal record keeping requirements. Sure, it may seem easier to use a computer program, such as spreadsheet software or other financial tracking software. But what will you do if all your financial records are destroyed by a computer virus, power failure, or even computer theft? Are you really that dedicated to investing the time to learn the software and use data backup systems when designing your personal record keeping requirements? Even if you are, still consider that actually practicing how to keep track of your money with pencil and paper may be one of the easiest and quickest paths to financial clarity.
Develop categories for your personal spending plan; examples include food, entertainment, utility bills, rent, savings, insurance premiums and vehicle expenses such as registration, gasoline, and repairs.
Also, writing transactions in your checking account register should become a major part of your personal record keeping requirements if it is not already. This includes debit card purchases; remember that restaurants don’t always authorize the correct amount if you included a tip and gas stations also may authorize more or less than you really plan to spend. Keep in mind that debit card transactions can make your life much harder than it has to be if you’re not practicing how to keep track of your money with pencil and paper. Overdraft fees can really kill your financial freedom, and if you’re keeping good accounting of your money this won’t happen nearly as much-if at all.…

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Business News

Get Rich Fast – Method Or Myth?

Is there a ‘secret get rich quick formula’ out there? Or is it all just a big myth? Today I am going to ask these questions in the context of the online work at home business opportunity. We will also look at what works and what doesn’t work when it comes to choosing an online business and whether getting rich quick is actually achievable!
The first thing to say about get rich quick is that if you type this into Google you get 24.1 Million pages, so there is a lot of information available on the Internet on this topic. Many of them will be articles or discussions about what works and doesn’t work, top tips, etc. Many more will be actual web sites offering you a get rich quick method. I am betting that the vast majority of them will never make anyone rich, not even the business owners. This is the law of natural selection. Only the best make it. Of the balance of online business opportunities that make past the survival category and make a profit, most of these will benefit only a select few. The reason I say this is again down to the law of natural selection. There are limited resources on this planet, everything from air, water, food and even money is limited in supply. This means that it is not possible for everyone to be rich! If everyone was rich then there would be no poor and no rich. Rich would become a redundant word in the language. Being financially rich means having more money and assets that the majority of people. So my first point is this; it is just not possible for everyone to get rich as money is always changing hands and flowing in one direction or another. The key has to be having money flowing towards you and not away from you.
The Internet offers us an amazing opportunity that was not available even 20 years ago. It is a great leveller; the smallest companies can compete against the very largest and win. Like Google and Facebook, MySpace and Twitter; a business can be formed and in a short space of time can become a global player in their; often new, market place. Who had heard of social networking even a few years ago? Notice however, that the period between obscurity and success is a few years, not months, weeks or days as claimed by many online opportunities. I am going to stick my neck out and say that there are very few, if any, opportunities that will make you rich overnight. Any such opportunity will be brought to life by a super creative person with the right background and experience, a great deal of luck, planning, genius or some combination of the above. Such people are very rare. Let’s be realistic here, if it was that easy we would all be rich and there would be no poverty or elite anywhere on earth. In fact, it will never be that way as it is not human nature. We are all traders; we trade goods and services for money and use money to buy other goods and services. Some of the traders keep money for a while longer than others because the inward cash flow is greater than the outward cash flow. That’s why its cash flow that makes you rich.
So here is the rub! The Internet is clearly a medium that can allow people to make large sums of money very quickly, why? Because of the possibility of exponential growth! Exponential growth is a theoretical concept!! It does not exist in normal natural systems. Let me explain. Exponential growth occurs when a number doubles, triples or greater with each generation. A good example is food poisoning bacteria. Bacteria multiply under ideal conditions about every 10 minutes. This means that one bacterium becomes 2 in ten minutes. Ten minutes later these two then each divide into two again and become 4, 8, 16, 32, 64, 128, and so on. After just 3hrs and 20mins we would have over 1 Million bacteria from the original one. This is a natural example of exponential growth. It is the concept that many network marketing and multi level marketing business opportunities use to convince you of the massive wealth generating opportunities available. The trouble is, as in our bacterial example above, they are assuming ideal conditions. With our bacteria, exponential growth only continues as long as there is sufficient food, water and warmth. The large numbers of bacteria soon change all that, they use the food and water up and before they know it they have famine and drought to content with and their number dies down to natural sustainable levels once more.
Network marketing is no different; the ideal conditions we …

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Business Plan

Marketing Coaching Tip: Are You an Expert in Your Field or Are You the Handyman?

Think about all the different hats you wear everyday in your professional life. Who ARE you to your clients? What is YOUR primary role in your business? What is YOUR area of expertise? Is it clearly defined? Are you considered an expert in your field or a jack of all trades/handyman?
When I worked in corporate marketing, my colleagues and I would joke about the fact that if you didn’t know how to classify a job, you simply gave it to the Marketing Department. Everything could somehow fall under ‘marketing’, right?
I remember once, a long time ago, the company I worked for was changing phone systems. During the process, somehow I was forwarded the call from the company who we would no longer be using for our phones. I am not really sure how the call came to me, my guess is the receptionist had no idea who to forward it to and just assumed it fell under Marketing!
Anyway, I took the call and the gentleman on the line informed me that it was up to me to collect all the old phones, boxes, wires, jacks and equipment (most of which I had never heard of before), and have it ready to be picked up by 9 am the next day. He was also kind enough to let me know that some of this so-called equipment was located OUTSIDE of the building and might be on the roof. Really???
OK, I don’t know about you, but I still don’t know how to use the DVR on my television! I wasn’t even sure what all this equipment was supposed to look like, much less where to find it! And, not only that, but I wasn’t going to risk life and limb climbing on top of a building looking for equipment that I WOULD NOT be able to identify in a line up!
Anyway, I tell the story to emphasis the importance of becoming an expert in your field. Make sure your clients and prospects know exactly what it is that you and your company offer. If you are a sales person, be the best sales person you can be (and don’t try to be the IT guy)! If you are an IT guru, shout it from the roof tops (but stay OUT of the marketing department).
We all have unique gifts and talents that make us valuable to our organization or business. Perfect YOUR craft, and leave the other stuff to the experts. Clearly define what it is you do, and how that benefits your clients, and then go with it!
Think about it, how many heart surgeons do you know that would make good telemarketers? Not many! Understand the value you bring to your company by becoming the expert! I promise you will be thankful you did, and you will be MUCH more successful in the long run by staying true to your talents.
And, if you are wondering how I handled the phone situation from many years ago, here’s what happened. I actually did go around and try to collect all these foreign pieces of phone equipment (don’t forget, I was young and naive back then). When the phone guy showed up the next morning to pick everything up, he took one look at the very large *heap* of stuff I had collected and his eyes glazed over, his face got red, and I thought he was going to pass out. He ended up calling in back-up support and spent the next 4 hours doing the job. See? It really does pays to hire an expert!…

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Business News Articles

What Are the Various Types of Email Campaigns a Winery Could Launch?

Wineries across the country are quickly learning that email marketing is hands down one of the best promotional tools on the planet. It is also quite versatile as the technique can be deployed in several ways to accomplish a wide variety of goals. Following are three types of email campaigns a winery can launch to bolster their marketing efforts:
1. News and Announcements
The most common types of email campaigns are used to distribute news about the company or important announcements to your audience. These variations are simple, straightforward, and highly effective. What makes them so powerful is that they tend to lend tremendous flexibility to the marketer. For example, a winery could deploy campaigns containing a press release highlighting a new product, or simply make an announcement about an upcoming wine tasting event. This type of email campaign works best when your message has one crystal clear call to action and is an easy read for scanners.
2. Email Newsletters
Newsletters make a perfect compliment to an email campaign. Instead of generating quick sales, however, their purpose usually involves building a relationship with your audience. The added benefit of course, is increased sales once you have earned their trust, but this method works best when you are focused on providing relevant, valuable content your readers can put to good use. For instance, a winery might send out a newsletter issue that concentrates on the health benefits of red wine, and then provide a list of brands that offer those same benefits. A newsletter gives you a lot of room to work with so feel free to let your creativity flow.
3. Drip Campaigns
Very successful in the real estate sector, drip email marketing campaigns are a great way to stay in touch with your audience and keep your brand in front of them. The best thing about this type of program is that instead of manually sending out your emails, you have them distributed by an automated system that does all the work, which keeps them coming steadily, and often slowly, hence the term “drip”. These campaigns can help a winery accomplish a broad range of targeted goals, including engaging new prospects, increasing attendance for events, or building hype around a big sale. While they generally require more effort in the beginning, they can also reward you with immeasurable benefits.
Launch the Right Campaign
It is important for a winery to make themselves familiar with the various types of email campaigns as not all are created equal. A newsletter might work best for one segment of your list, while an automated drip variation might be better suited for another. To figure out which is right, try testing one for a month or so and then take a look at your results. No matter what you decide on, you should make out very nicely as long as you focus on providing what your audience wants.…

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Business News Articles

Writing an Online Business Plan

Internet marketing entrepreneurs often write up a business plan when they are trying to raise capital. It is important to have a plan laid out regardless of whether or not investments are being sought. Writing an online business plan is important for a variety of reasons.
Develop a Game Plan
An Internet marketing business just starting up depends on the plan execution for success. Some companies and ideas are doomed for failure from the very beginning because of the lack of planning and preparation. This game plan will include things like deciding how to attract customers in a cost-effective way, how much a customer would be willing to pay for the product or service, what groups of people would be most likely to become a customer and what features the customer would want. If there is no plan on getting and maintaining a customer base, it is unlikely that the business will succeed, regardless of how much passion and energy is spent getting the business going.
Avoid Major Mistakes
Mistakes are inevitable and should truly only be seen as a learning experience on the road to success. However, a clear plan of action can help to avoid major mistakes that could end any chances at major success. An online business plan will help those involved to clearly see if the company and business ideas are a viable way of producing an income stream, how much capital will be needed to start up, how much money will have to be raised and whether or not a partner or additional partner would be a good idea. It’s important for an Internet marketing business to get started on the right foot by having a business plan in place to answer crucial questions.
Establish the Market Opportunity
A well-written Internet business plan should ensure that there is a market for the product or service the company wishes to provide. The target audience should be clearly outlined, as well as any competition in the market place. The size of the target audience should be determined, opportunities for expansion of the target group and the needs of the target audience all need to be clearly spelled out. It’s equally important to keep in mind any barriers to success, threats, competition and competitors. A good business plan will explain why customers would choose your Internet business over that of a competitor.
Make Financial Projections
Any online business plan should also make projections about financial possibilities. A three-year profit and loss assessment is crucial to identify whether or not the Internet marketing business plan will be successful. It is crucial to determine when the initial cash investment will be recouped and what future profitability margins are. These projections will not only determine if an Internet business proposal is worth the time and money investment, it will also help to lure potential investors and partners if additional resources are required.
An online business plan is crucial if an Internet marketing business is to be successful. This plan will help avoid major mistakes, make financial projections of profitability, establish the market opportunity and provide an overall game plan as to how to get the business started and keep it going over time.…

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Business News Articles

Reshaping Business During Recession – Marketing Approaches That Can Make You More Money

Online Marketing
If you’ve created a marketing program or some other kind home based business online, then you may have some idea what doing business during recession time is like. This means that shaping a good website marketing strategy is essential for success. Keep reading to get a few tips to increase your odds.
Web Marketing Focal Points
There is this persistent idea among web marketers that more is better, that if one send out automatic form letters at high volume that at more responses will result. Still this sort of marketing strategy can become counterproductive. It certainly cannot help you construct quality working relationships with other marketers.
A Few Helpful Tips
1. Stop sending form letters rather than personal messages to fellow online marketers requesting help promote your product or service. Many might see this as a nuisance or your messages could be called spam. It guarantees that future emails will end up in the trash.
2. You should talk to websites or blogs that share similar interests. To do something else is to waste time and money too. Think about it.
3. Try taking an intimate approach when networking with other marketers. A number of small business owners are constantly seeking new working relationships and may be prefer to hear what you have to say and find out about your products if you were to interact with them personally.
4. Start focusing on businesses who share your niche market. If you make this an indispensable part of your small business strategy you will see growth. If you look for contacts that recognize the interests of your business there won’t be very many false leads. At least, you’ll save some time.
5. It is important to present answers and solutions through your initial contact emails. Discuss the ways your products or services could benefit their businesses.
Maintain A Good Pace
The whole concept of maintaining marketing business during recession has much more to do with devising a coherent strategy, but it will take time. The idea that filling up the online marketplace to announce their presence will produce a greater impact persists. It takes dedication and patience to make a marketing business a success.…

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Business News

Advice To Cleaning And Maintaining Your Carpeting

Should you hire a professional to shampoo your carpet or try doing it yourself? If you have a large area of carpeting in your home, the cost and results can vary a lot. This article will give you some valuable information to help you make the best decision for your particular situation.

Carpet cleaning companies also usually offer other types of services. For example, some companies will also treat draperies and upholstery. It never hurts to ask! You could discover a company who provides deals on upholstery cleaning as well as carpet cleaning.

Ask for a full-service quote when you are calling around for carpet cleaning. Many companies will try to give you a quote based on minimal service so that they can get their foot in the door. Unfortunately, you will have already taken a day off of work before you find out what the costs really are if you do not follow this tip.

If you have a grease stain on your rug, sprinkle some flour on it and place a piece of paper over the flour. This process will pull the grease out of the carpet and onto the paper within 30 minutes. Act immediately when this happens, as you do not want the grease to set in.

If you want to maintain the look and quality of your carpet you must tackle stains when they occur. The longer that they sit, the harder it will be to get them out. Keep a trusted carpet cleaning solution on hand so that you are not at risk of having a stain remain for the life of the carpet.

Take advantage of current promotions and specials being run at the carpet cleaning companies in your area. Sometimes you can find a new company looking to build their clientele base, giving away great deals to first time customers. Doing your research into this can end up saving you money and finding you a great new company.

Ask for an estimate before you have any carpet cleaning done in your home. Some companies run specials, but may have a fine print clause. Some companies clean by room size. Talk to any company you are considering and find out all the costs involved so you do not get a surprise when it comes time to pay.

If you have never hired a carpet cleaner before, you should ask the people you know for some references. You might even ask your secretary, store clerk, doctor or anyone local who may have some clue. Obviously, their advice won’t be as reliable as that of a loved one.

An important question to ask any carpet cleaning company which most people fail to bring up is whether or not they’ll move your furniture for you as part of the cost of the cleaning. If they come and move it, then charge you a lot for the service, you may end up with a huge bill.

Using a carpet shampoo machine takes a lot of time and effort, and you may not see the results you want. Is it worth the extra expense to hire a professional carpet cleaning company? The best choice for someone else may not be the best choice for you, so follow the tips you read in this article and make your best decision.…