When Uber was first launched, those who operated traditional taxi services opposed this new model because it threatened the incumbent cab business.
When Turo, a new rental startup, introduced a modern business model for car renting, the same thing happened. Traditional rental giants did not like this new model. It was not good for their established businesses.
So what makes the two car rental models different?
With the traditional one, a company owner has a fleet of various car models. This approach offers predictability and safety. A user browses the different cars and picks the model they like for temporary use.
A rental car marketplace, on the other hand, allows their users to make some extra money by renting out their cars. Anyone can find a car nearby and unlock it to run their errands.
So you can use either one of these two models for your car rental business: the traditional approach or the car rental marketplace which is what new rental companies are using.
How Do You Start Your Car Rental Business?
Step 1: Assess Your Business Idea
You should research your business strategy extensively. There are many competitors in the market. You have to assess their apps’ features, monetization strategy, the location they target, existing audience and target market.
Trying to do something new with a product that already exists will be hard. Instead, you need a platform that offers premium features and an outstanding user experience. To provide that, you have to understand the inclination and psychology of your potential customers. Know their pain points.
Many startups have tried to copy Uber before but they failed. Lyft came up with their own business model and they are now a car-hailing giant.
Step 2: Choose a Business Model for Your Car Rental Business
So now you know that you can choose one of two business models.
Take a look.
B2C approach: with this one, you will be dealing with your customers directly. Customers, thus, look at the cars you have and book the one they like for a two-way or a one-way trip, fill out the necessary papers and you give them the keys. Hertz and Enterprise Rent-a Car use this model.
P2P car rental marketplace: this is a more flexible model for a car rental business. It relies heavily on mobile applications. One thing that makes this idea interesting is the fact that you don’t have to own a vehicle. Get Around and Turo use this business model.
More start ups are investing in this idea because the interest is growing and it is becoming more popular.
If you want to start a car rental business, you will need resources, a clear business plan, marketing strategy and a license.
Step 3: Choose a Car Type Segment
You will need to have different options for your users. For instance, some businesses will offer luxurious cars, exotic cars, sports cars, special events cars, etc.
Alternatively, you can choose to target a super specific audience and only offer a single dedicated car model. Silver car app, for example, only provides Audis. The other option would be to allow all car types. This is the option that many startups prefer because if more car owners register, the business benefits. Customers will also have more options.
Step 4: Get a License
The procedure for applying for and getting a vehicle rental license varies from one country to another. You can contact an insurer to help you with payment of license fees and rental insurance coverage.
When it is done, you will receive your license from the local authorities and they will inform the insurer too. Most licenses are renewed annually.
Step 5: Build an MVP Car Rental App
A mobile app is necessary because people love convenience. This goes for both the P2P and B2C approaches. Initially, you may not need a full-featured app. You can opt for a minimum viable product (MVP) for the app or even build a website. An MVP app only has the basic features that your users will need.
You will only require a customer app with the B2C approach for the users to look for and book cars.
The P2P model will require two apps, one for car owners who register their cars and another one for customers who are looking to rent.
Step 6: Offer Insurance
As a car rental company, you should provide insurance for car owners and customers. So you have to find an insurance provider company you can count on.
Liberty Mutual Insurance, for instance, covers renters and car owners for Turo.
You can have different packages for renters.
What Features Should Be Included in Your Car Rental App?
If you want to stand out among your competitors, here are the most important features that your app will need.
Car Owner App Features
The car owners are a crucial part of your car rental marketplace. Great features will attract more car owners and your customers will have more options.
Car owner’s verification: this is for car owners to add their updated personal information such as license expiry date, insurance number, car photos, license number, email, phone number and name.
A user-friendly dashboard: it lets owners see their transaction history, listed cars, conversations with renters, and more.
Car listing option: an option for car owners to list multiple models in order to earn more.
Car booking management: for owners to check the status of booked vehicles—including payment status.
Availability management: car owners should be able to choose availability, like weekend options, weekdays or daily.
Discounted price: if car owners want to offer special prices for various occasions, they should be able to do so.
Booking cancellation: have cancellation policies and a feature that allows car owners to cancel rent requests.
Reservation history: car owners should be able to see their current and past reservations.
Car Renter App Features
Easy registration: the signup process shouldn’t be lengthy. Offer sign up options via Email, Facebook and Google.
Filters: renters should be able to filter their options based on car company, fuel, car type, price, etc. when choosing a car.
Dashboard: this feature lets renters track and manage their profile, activities, messages, transaction history and bookings.
Renter verification: car riders should include information such as email, license information, etc. for safety purposes.
Location-based rental: for convenience, users will want a feature that allows them to search for and rent a car nearby.
Booking options: options like instant booking or prior booking for renters to book their dream car would be nice. You should also include per day and per hour renting options.
Calendar option: car renters will love being able to see when cars are unavailable or available.
Cancellation: have a cancellation option.
Admin Panel (You) Features
Dashboard: you want to be able to monitor and control the platform by viewing the total number of registered renters, car owners and cars.
Revenue management: admin should be able to manage the revenue aspect of the business, which includes cancellation charges, commission decisions, etc.
Manage users: for managing car renters and owners as well as their activities.
Manage listing: this one will allow you to screen new car owners to make sure they comply with the set guidelines.
Booking management: the admin should be able to manage every booking, that is, decline or accept bookings.
Manage listing dimensions: the admin will be able to manage and edit car models, categories and features.
Ratings/reviews: car renters and owners can rate each other and you can ensure that the language used is appropriate.
Manage dispute: resolve any issues that arise.
How Do You Earn with a Car Rental Business?
If you decide to use the B2C approach, you can just set a fixed price for the different car models that you rent out. The customer will pay that price and you can charge them more if, let’s say they overstay with the car.
The P2P marketplace is commission-based. So the renter pays the set amount for the rental period and the car owner pays you commission.
The car rental sector is booming and it is a great opportunity if you are looking to start a business.
Many people may consider staking an easier alternative to mining—one that is less resource-intensive. It can be defined as holding funds in your cryptocurrency wallet in order to support the operations and security of a blockchain network. In simple terms, staking is holding cryptocurrencies so you can earn rewards.
In many cases, you can stake your coins from your cryptocurrency wallet directly. Alternatively, you can take advantage of the staking services offered by exchanges. With Binance Staking, for instance, you can earn rewards by simply having your crypto-coins on the exchange.
You will need to first understand Proof of Stake (PoS) and how it works if you want to better understand staking. Proof of Stake is a consensus mechanism that lets blockchains operate in a more energy-efficient manner while maintaining some degree of decentralization.
Take a closer look.
What Is PoS (Proof of Stake)?
You might already know about PoW (Proof of Work) if you know about Bitcoin and how it works. It is the process through which transactions are gathered into blocks. These blocks are then connected to make the blockchain. Miners typically compete to find a solution for a difficult mathematical puzzle. The miner that solves it first gets to add the next blockchain block.
PoW is a robust mechanism but it involves too much arbitrary computation. The only purpose of the puzzle that miners solve is to ensure the network is secure. It has no other purpose. Some people could argue that this alone justifies the excess of computation.
But someone else may wonder: is the high computational cost really necessary in maintaining decentralized consensus?
That is where Proof of Stake comes in. Participants can hold their “stake” or coins. The protocol will then randomly assign one participant the right to add the next block. The amount of coins one has determines the probability of being picked. So if one has more coins, their chances are higher.
Unlike with PoW, participants are not chosen depending on their ability to find the solution to a complex challenge. It will depend on the amount of staking coins one is holding.
Some may say that using staking to produce blocks may facilitate a high degree of scalability. The Ethereum network is set to shift to PoS from PoW, this being one of the reasons.
Who Came Up with Proof of Stake?
PoS may have first appeared on Scott Nadal and Sunny King’s Peercoin 2021 paper. It was described as a peer-to-peer crypto design deduced from Bitcoin.
The Peercoin network, initially, began with a PoS/PoW hybrid mechanism. Proof of Work was for minting the initial supply. The network, however, didn’t need it for long-term sustainability. So its importance was gradually reduced. The security of the network actually relied mainly on PoS.
Delegated Proof of Stake: What Is It?
Delegated Proof of Stake (DPoS) is an alternative version developed by Daniel Larimer in 2014. At first, it was a section of BitShares blockchain but the model was adopted by other networks. They include EOS and Steem, also creations of Larimer.
With DPoS, coin balances are committed as votes and the number of coins is proportional to the voting power. Delegates are elected using these votes. They manage the blockchain, ensuring consensus and security on behalf of the voters. The elected delegates receive staking rewards and, in turn, distribute these rewards to the electors based on their contributions.
With this model, a consensus is achieved with less validating nodes and the network performance is improved.
However, it could also reduce the degree of decentralization seeing as the network depends on fewer validating nodes. The validating nodes are in charge of operations of the blockchain. They define major governance parameters.
How Staking Works
PoW blockchains involve mining in order to add more blocks. PoS, on the other hand, uses staking to create blocks.
With staking, validators hold their coins so they can be picked randomly to produce a block. Participants holding more coins are more likely to be chosen as block validators.
This way, blocks are created without depending on special mining hardware like ASICs. Great investment in hardware is necessary for ASIC mining while one has to invest in cryptocurrency for staking. So for the next block, one doesn’t have to compete with computational work. Instead, one stakes coins. Network security is maintained by using stake to incentivize validators.
Every PoS blockchain uses their own staking currency. Others, however, have a two-token system. They pay the rewards in a second token.
Calculating Staking Rewards
The method of calculating may vary from one network to another. Others depend on various factors and are changed on a block-by-block basis. Some of the factors include:
- Inflation rate
- Total coins staked on the network
- The period of time that a validator has been staking actively
- The number of coins a validator is staking
- Other factors
Other networks determine the rewards using a fixed percentage. They then distribute the rewards to validators to compensate for inflation. With inflation, users tend to spend coins instead of staking them. This model, however, allows validators to calculate the staking reward that is in store for them.
Some people may prefer a reward schedule they can predict instead of relying on a probabilistic chance.
A Staking Pool: What Is It?
It is a group formed by coin holders to merge their resources and raise their chances of receiving rewards and validating blocks.
A lot of time and know-how is required to create and maintain a staking pool. Staking pools are typically successful on networks with a high barrier of entry (financial or technical). A fee is usually charged from the staking reward by the pool providers.
Individual stakers may enjoy added flexibility from the pools. The stake is normally locked for a set period. The protocol sets a withdrawal time. There is also a high minimum balance requirement for staking.
Pools don’t have a high minimum balance requirement and they don’t add additional withdrawal times. For new users, a staking pool makes more sense.
This is defined as staking on an offline wallet, that is, one that is not connected to the internet. One can use a hardware wallet or an air-gapped software wallet.
Users can stake while holding their coins securely offline. One should know that moving coins from cold storage will stop the rewards.
Cold staking is more suited for major stakeholders who would like to support the network while ensuring maximum security of their coins.
Staking on Binance
Holding coins on Binance is like having them in a staking pool. You enjoy numerous benefits without fees. You only need to hold your funds on Binance and everything else will be sorted out for you. The rewards are distributed at the beginning of every month.
PoS is ideal for anyone who is looking to be a part of the governance and consensus of blockchains and also earn passive income.
One should know that staking has its risks such as bugs.
There is so much misinformation when it comes to credit scores. This is surprising, considering how common credit cards have become. A credit score is used by lenders to determine your likelihood of paying them back. Specific criteria are used to assess a borrower’s general risk. This includes the amount of debt a borrower already has and payment history.
FICO and other credit scoring companies don’t hide the type of information that they use to calculate credit scores. However, there is still a lot of speculation.
So take a look at some of the most common myths about credit scores.
Large Balances Are Good for Your Credit Score
Some myths are so widespread and believable because there is some truth in them. And this is one of those myths. Using credit can help boost your credit score.
Carrying a large balance, however, could hurt your credit score.
Your credit card debt accounts for 30% of your credit score. This is according to FICO. So high credit card balances are not good for your credit score. Experian recommends using less than 30% of the total available credit and the individual card limit. If you go above that level, your score will start going down.
Your Credit Score Increases When Your Income Increases
It is easy to believe this myth because most wealthy people have high credit scores. But your income doesn’t affect your credit score.
According to FICO, the five components that count include credit mix, new credit, length of credit history, amounts owed and payment history.
Income is not used in calculating your credit score. It is just that people with high incomes tend to have enough money to pay off their debt. This boosts their credit score.
If You Get Married You Will Have a Joint Credit Score
Couples can choose to combine their finances when they get married. If you are not sure about merging your score with that of your partner, you have nothing to worry about. Joint credit scores don’t exist.
Everyone gets to keep their individual credit history. Any joint accounts that you open with your partner will appear on your report. But the credit scores will remain separate.
Paying Off Your Auto Loan Will Boost Your Credit Score
Having less debt helps your credit score. So this means that if you pay off your auto loan, your score will improve, right? Well, wrong.
In fact, it is possible that your score may go down temporarily if you pay off the car loan. This is because it will become a closed account on your report. Credit mix is used to calculate your score. So if an installment loan is removed from the report, your credit score may drop. But according to Experian, this will probably just be short-term.
Checking Your Score May Cause It to Drop
Just as with many other myths, there’s some truth to this one. When you apply for credit, the potential borrower will most likely run a credit check. This can make your score drop by a few points. But if you check the score yourself, it will not be affected.
Applying for credit triggers a “hard inquiry” and it can hurt your score. A lender conducting a routine review or you checking your own score is a “soft inquiry” which will not affect your score.
Using Your Debit Card Could Boost Your Credit Score
Responsible debit card usage signifies financial maturity. But even though it is a sound financial habit, it doesn’t affect your credit score in any way.
Using your debit card is similar to using cash. Managing your cash successfully doesn’t exactly prove to lenders that you will pay back debt responsibly. Issuers of debit cards don’t report your usage to credit agencies. So it doesn’t count.
Taking Out a Mortgage Can Hurt Your Score
When you first apply for the mortgage loan, you can expect your score to drop by a few points because of the inquiry. You will also have a new account on your report with no payment history and a large balance. This, again, may affect your score negatively.
But with time, the mortgage will start helping your score as you continue paying on time. You will have a not-so-new account with a successful payment history. This is good for your credit score.
The Credit Score Is Not That Important in the Real World
Some people love boasting about their excellent credit scores like it is a badge of honor.
But having a great credit score doesn’t just earn you bragging rights in the real world—it is far more useful than that. Having a high credit score affords you the benefit of low interest rates on loans. This includes all kinds of loans—car loans, personal loans, mortgage loans, credit card loans, etc.
Some lenders won’t even give you a loan if you don’t have a top-tier credit score.
With an excellent credit score you will enjoy flexibility and low-cost financing.
Applying for Many Credit Cards at Once Isn’t Bad for Your Credit Score
This is a myth rooted in truth.
Whenever you apply for a new credit card, your score drops by a few points because it is a hard inquiry. If you are applying for too many cards, your score may drop even more.
Most people believe this myth because making multiple applications for some loans (like car loans and mortgages) in a short period of time is considered a single inquiry by credit scoring agencies. It is natural for anyone buying a car or home to shop around until they get the best deal since it is a large purchase.
This grouping is not available for credit card applications because they are unsecured loan requests.
Closing Unused Credit Cards Will Boost Your Score
This is not true. Closing a card reduces your available credit and this will, most likely, knock a few points off your score. It gets even worse for someone with outstanding debt on other credit cards. A reduction in available credit increases credit utilization which also hurts your score.
Another thing, closing a card means that you won’t benefit from the successful payment history or age of that card on your report. The effect won’t be immediate because closed accounts stay on your report for 10 years. But it will eventually disappear and hurt your score.
Dogecoin began as a joke. However, it has grown to become one of the most popular online currencies.
Many Dogecoin or DOGE fans buy and hold it until they can sell it at a huge profit.
But is that all? Is becoming rich with Dogecoin that simple?
You are about to find out.
History of Dogecoin
Bitcoin, the first cryptocurrency, was open source. Everyone was free to copy it—and people did. Clones like Peercoin and Litecoin popped up all over.
Dogecoin was created in 2013 by Jackson Palmer and Billy Markus. It is a copy of Litecoin which is very similar to Bitcoin.
People always refer to Dogecoin using silly language relating to the moon and dogs. (The coin features the Shiba Inu dog).
From the beginning, Dogecoin gained a devoted fanbase. Its fans are mainly people who like dogs and those who want to participate in crypto trading without being serious about it.
Most people don’t get it. One of Dogecoin founders, Palmer, even washed his hands. He said that the cryptocurrency market is overheated and that the crazy rise of Dogecoin was a clear indication of that. The Crypto market crashed several days after that statement.
Dogecoin, however, survived.
Is Dogecoin Technically Sound?
Not exactly. Dogecoin copied Litecoin which is technically sound.
One user can send and receive DOGE in a permissionless way on the cryptographically protected network.
It works but it is not as decentralized or as secure as Bitcoin—not even close.
Dogecoin is not innovative, it has never been from the beginning. Its block time may be shorter than Litecoin’s and its supply unlimited, unlike Bitcoin; but Dogecoin is not regularly updated. Sometimes it takes years for a new version to be launched.
Dogecoin is like Bitcoin’s carefree and silly cousin.
Elon Musk Loves Dogecoin
Elon Musk is a fan of silly stuff. So, his love for Dogecoin doesn’t come as a surprise. He tweets about the cryptocurrency occasionally on Twitter—which causes the price to rise dramatically.
In an interview, Musk said that it would be ironic and entertaining to see Dogecoin become Earth’s currency in the future.
But Musk seems to prefer Bitcoin when it comes to business. Tesla bought about $1.5 billion worth of Bitcoin recently.
Other celebrities like Gene Simmons and Snoop Dog have also endorsed Dogecoin.
Should You Buy Dogecoin? If Yes, How Do You Buy It?
Most major exchanges like Binance support Dogecoin.
DOGE works like any other online currency. You can transfer the coins to your wallet or keep them on the exchange.
Will Dogecoin Get to $1?
Dogecoin may have the support of rich celebrities and a dedicated fanbase but it is not technically interesting.
In a year, the price of Dogecoin has risen 13000% and its market cap is currently at $34.5 billion. Proponents seem positive that the coin will hit $1 one day. It is not impossible, but you also do not know how far the joke can go.
Tread carefully, especially if you are not a seasoned trader.
In a short period, Cardano (ADA) has made it to the list of top 10 online currencies by market capitalization. It is currently at number seven and has a market capitalization of more than $41 billion. It represents about 2% of the cryptocurrency market globally. It attained an all-time high ($1.5) on April 14, according to CoinGecko.
Charles Hokinson, co-founder of Ethereum blockchain and founder of Cardano leads the IOHK. He posted a video on his YouTube channel titled “Some Musings About the Roadmap”. In the video, he talked about Cardano’s roadmap over the coming four years.
He said that Cardano developers are busy trying to find a solution for the scalability issue as well as Cardano’s approach. However, he will start focusing on the issue when the Alonzo update is complete. After the Goguen update is done, the Cardano roadmap scalability phase will follow. The name of the phase is Basho, named after a Japanese haiku master of the 17th century.
The Deadalus and Alonzo Upgrade
The Deadalus update was released by Cardano on April 1. It marks the start of native tokens support on the blockchain and the Project Catalyst Fund3 voter registration. With this update began the countdown to the cryptocurrency becoming a totally decentralized blockchain.
The countdown has already reached its realization. A representative from the Cardano Foundation discussed the Deadalus update with Cointelegraph.
They said that a Deadalus user’s wallet can now be used as one unified interface to accept both ADA, in addition to many other tokens on the blockchain. They also talked about Cardano’s journey to becoming a decentralized blockchain.
According to Cardano, the decentralization event has put it on the map as one of the most decentralized blockchains globally. The next and last phase of Goguen is the Alonzo update. This upgrade is expected to provide smart contract functionality. The Plutus platform is responsible for enabling this upgrade’s development.
Additionally, Cardano developers have come up with a method of minting and selling NFT collectibles without the smart contract functionality.
ADA Could Hit $2 Because of DeFi Growth
Over the past 14 days, Cardano’s gains have grown nearly 10%. The important $2 mark is only $0.6 away. Given its current growth rate, the ADA will pass this $2 mark soon.
Something else that could promote growth is another DeFi summer. Going by the 2020 DeFi summer, the DeFi markets may reach new highs this year. As a matter of fact, ADA’s one-year gains are currently at 3,490.8%.
One expert believes that the Goguen phase’s final stages will introduce a number of existing DeFi trends onto the network. These include automated market makers as well as lending market.
With Cardano’s use cases and its Alonzo update, the cryptocurrency may well become an alternative platform to Ethereum. Ethereum has always been the king in the DeFi ecosystem. Cardano is choosing to take a positive approach as far as this narrative is concerned. They say they are more interested in offering world-class components and less interested in market share competition.
Cryptocurrency is an online currency not regulated by a central system. It is instead based on blockchain technology. Bitcoin is currently the most popular cryptocurrency.
Digital currency is becoming more common on Wall Street and this has led to the availability of more options. Now, there are over 5,000 cryptocurrencies.
You can use digital currency to buy stuff; but for most people, it is a long-term investment.
Cryptocurrency investing can be risky, especially if you don’t have enough information.
So here are the 10 best cryptocurrencies that you can invest in.
How the Top 10 Cryptocurrencies Were Picked
Has the cryptocurrency been around for long? This is not to say that new digital currencies are bad. But historical data helps you analyze the performance.
The performance of the company over the years is important. If the prices have had some stability, that’s good. A promising currency is one that is gaining value over time.
Is the platform usable and secure? Transactions should be handled smoothly.
You also don’t want to lose your investment because of an insecure platform.
A high adoption level usually means that the digital currency has great liquidity. It will be easier to spend, sell or trade in the future.
The Top 10 Cryptocurrency Investments in 2021
1. Bitcoin (BTC)
Bitcoin is the oldest cryptocurrency. Its volume, market cap and price are higher than those of the other options. It represents 40 percent of the market cap.
Bitcoin fluctuates a lot. It is also quite expensive for people who want to purchase whole shares.
2. Ethereum (ETH)
Ethereum is both a cryptocurrency and a network, making it unique. It may be cheaper than Bitcoin but it is well ahead of the other online currencies.
Transactions can take long to process.
3. Binance Coin
Binance has grown slowly but consistently. This has made it a stable investment option with fewer risks.
Many people are skeptical when it comes to security.
4. Tether (USDT)
Tether is extremely stable because it is connected to the US dollar.
There have been doubts about the actual reserve stock.
Investors love Cardano because transactions are cheaper and faster. It has also proven to be quite secure.
The low adoption rate makes investors hesitant.
6. Polkadot (DOT)
The creators of Polkadot are former Ethereum leaders. They wanted to create an online currency with a much better network.
Polkadot has a short history so it’s hard to assess its track record.
7. Ripple (XRP)
Ripple offers international transactions and the transactions only take seconds.
The growth rate is not that impressive.
Litecoin completes transactions much faster than Bitcoin. If the fast transaction rate continues, it could grow dramatically.
It is closely tied to Bitcoin so its value fluctuates a lot.
This cryptocurrency has an appealing price and it is easily accessible. It has also shown promise when it comes to growth.
Its low market cap doesn’t make it attractive.
10. Stellar (XLM)
This cryptocurrency acts as a bridge between blockchain networks and banks. It serves a niche need.
If it faces stiff competition its value could drop.
De-stress to this diverse mix of Deep House Music perfect for a relaxing day at the spa or lounge.
Remember, if your prospect is 3000 miles away, it’s not easy for him to ask you a question. You must anticipate and answer all of his questions and overcome all objections in your copy if you are to be successful. And make sure you do not throw everything you can think of under the sun in there.
You only need to include as much information as you need to make the sale…and not one word more. If it takes a 10-page sales letter, so be it. If it takes a 16-page magalogue, fine. But if the 10-page sales letter tests better than the 16-page magalogue, then go with the winner.
Does that mean every prospect must read every word of your copy? before he will order your product? Of course not. Some will read every word and then go back and reread it again. Some will read the headline and lead, then skim much of the body
and land on the close. Some will scan the entire body, then go back and read it. All those prospects may end up purchasing the offer, but they also all may have different styles of reading and skimming. Which brings us to the next tip… Write to Be Scanned – Your layout is especially important in a sales letter, because you want your letter to look inviting, refreshing to the eyes. In short, you want your
prospect to stop what he’s doing and read your letter. If he sees a letter with tiny margins, no indentations, no breaks in the text, no white space, and no subheads…if he sees a page of nothing but densely-packed words, do you think he‘ll be tempted to read it? Not likely.
Great copies are made, not born. It is derived from proven test results designed to do one thing and do it well: sell. Effective advertising does not always use “grammatically correct” English. It uses short sentences, fragments. Like this. It convinces you to buy and buy now. Period. It talks about benefits, not features. It sells on emotion and reinforces the decision to buy with logic. It paints a compelling picture and irresistible offer that forces your prospect to act and act now!
And if it does not, then you drop that ad like a hot potato and go with one that does. Effective persuasion is like your top salesperson–the one who continues to break all your sales records year after year–on the job 24 x 7, multiplied by thousands or millions! Just imagine if that salesperson, the one with proven results, could be multiplied as much as you wanted. Now that would be effective (and cost-efficient) marketing! And that is the kind of proven marketing you need to employ.
Perch works by having you provide the details of your lease and connecting your bank account to their system. The app will identify your rent payments and start reporting them to two of the three major credit bureaus, Equifax and TransUnion. The third bureau, Experian, will reportedly be added in July 2021.
What in the world does a homemade colon cleansing diet have to do with weight loss? Frankly, a whole darn lot! Just think about it for a minute. If you’re full of it you can be retaining body waste and holding fluid. A good cleansing of your colon will work miracles in the way you feel and help get rid of a few extra pounds. This article will provide you with some tips that will help you out.
Colon cleansing diets have the aim of refreshing and cleaning out your colon and other parts of your insides. The positive effect this has on your body is measured in several different ways.
1st. You will find yourself having more energy. As all that horrible debris is cleared from your body it makes you feel amazingly energized.
2nd. You will notice your skin looking clearer and more alive. You will have your loved ones asking you what you have done with yourself.
3rd. You will reduce the bloating in your lower belly area. In fact, that new pair of tight jeans will go on easier and look better.
4th. You will lose weight fast.
This is the flow on effect from cleansing your colon.
Colon cleansing may be undertaken through a thorough cleansing action, such as pills or an enema. In addition, you can accomplish this through dieting. The second option is much less intrusive than the first and often; more effective. Meanwhile, while dieting you will be treating your entire body, mind and inner being to a healthier you.
There are some important things to remember when going on a homemade colon cleansing diet. These include:
– Drink at least 8 (8oz), preferably more, glasses of water per day. Spring or filtered water is better than tap water.
– Drinking fruit and vegetable shakes is a great way to stave off hunger.
– Eliminate dairy products – they are something to avoid when cleansing the body.
– Cut out red meat entirely or reduce your intake to 6 oz. or less. Meat is the major factor in the buildup of toxins in the body. A good substitute for the red meat is chicken or fish.
Steamed vegetables and fruit ideally should make up 90% of your colon cleansing diet. Steamed vegetables retain more nutrients than other ways of cooking vegetables which can often cook out the goodness. Raw vegetables are however the best, although sometimes not the tastiest, way to consume vegetables.
So, what other symptoms can colon cleansing assist with? You may be surprised to learn about how many minor symptoms are caused by matter built up in the colon. This may include:
Weight gain or loss
All the above symptoms can benefit from a homemade colon cleansing diet.
Today’s dietary trend of high fat foods is rather different to what humans were eating 100 years ago, but our bodies have not changed. This results in the body rejecting much of the food we eat and excessive build up in the colon is one negative result of this.
After completing your homemade colon cleansing diet, you must stick to a permanently healthy diet to retain colon and digestive health. As always when implementing a new change to your body it is always best to check with your medical doctor prior to taking the action.
This article is for informational purposes only. It should not be used as medical advice or as a substitute for medical advice.
When you decide to make any type of life change, following a plan will help to ease the anxiety and stress that comes with it. With a plan you will need to discipline yourself. When it comes time to consolidate bills, make no mistake, this is a life change, and it will require discipline and a plan. When you have come to the decision that you need to consolidate bills, it’s not so that you can free yourself to run them up again. It is so that you can get your debts paid off as painlessly as possible and then not run them up again.
A plan will help you to get through this time of change. You will have to take some time to think about how you spend money, what you can afford to do without, and why you are consolidating bills. As you spend money in the next month or so, take note of everything that you spend money on. At the end of the month, review that spending and decide where you can afford to make cuts. When you consolidate bills you will free up more money each month, but you’ll want to use that money to pay off those debts, as well as use more cash, checks, or a debit card rather than a credit card.
Discipline will be necessary in this time of change. When you go shopping, decide whether you really need it or not. That will start you on your path to saving money. The next time a new blockbuster comes to the movie theater, wait until it comes on video. The popcorn is much less expensive in your living room and the setting much more intimate, and no screaming kids or loud teenagers. Seek out and use coupons whenever possible. Above all, when spending, do not use credit cards unless necessary.
No one sets out to gather so much debt that they cannot pay it off. Most of us go in with the intention of always being able to pay the bills, but sometimes those bills get alarmingly high. At that time, with a little discipline and consolidating bills, you can again get the best of your finances. Once that control is again in your hands, it’s more important that you learn to keep the newfound control. That is again where the discipline comes in. It is one thing to get yourself out of trouble once through discipline and the decision to consolidate bills, it’s quite another to keep that control by learning to spend wisely.
Daft Punk, the influential electronic group, is calling it quits after 28 years. The duo announced their retirement in a video Monday morning titled “Epilogue.”
The video features a clip from the band’s 2006 film “Electroma,” and features a photo of their hands under the caption “1993-2021.” Kathryn Frazier, Daft Punk’s publicist, did not immediately respond to requests for comment.
The duo — Guy-Manuel de Homem-Christo and Thomas Bangalter — began making music together under the personae in 1993. They were widely known for their robot costumes, which they began wearing in public appearances in the 2000s.
If there is anything that annoys more cell phone users, it is losing battery power while you are on the phone. This has happened to nearly everybody, and at least once it caught you by complete surprise. When you are running a cell phone as powerful as the iPhone, it is easy to understand why the battery power begins to drain. When you are listening to your favorite song, checking your email and text messaging several friends at once, you are requiring a lot of the cell phones’ power. Thus, you will begin to drain your cell phone of battery life quicker than you thought.
Even though, on the Apple website, they clearly explain the battery life expectations, they only include the information if you are running one application at a time. However, if iPhone users are known for anything, it is for their ability to multitask. Yet, multitasking means a shorter battery life.
However, there are several things that you can do to make your iPhone’s battery life even longer. Of course, the iPhone isn’t known for draining its battery extremely quick, there is always room for a prolonged battery performance. If you follow these tips, then you will have an iPhone that lasts you longer than you could even imagine. Perhaps the best tip that anyone with an iPhone can follow is to simply turn off your Bluetooth if you are not using it. Very little people understand that when you keep your Bluetooth turned on, when you are not using it, you are draining your battery.
This is because there is a set amount of power that is controlled by the Bluetooth section of your iPhone, and the power is draining because the phone is constantly searching for other Bluetooth devices. If you do not want to pair with a Bluetooth device, then make sure that your Bluetooth is turned off.
Another tip to making your battery life on your iPhone last longer is to always lock your iPhone when you are done using it. When you are finished talking on the phone with your best friend, checking your e-mail or sending a text message, make sure that you activate the lock button. Many people wait for the screen to shut down by itself after they are using it, while this may seem like a great idea, you are wasting battery life by doing so. Also, make sure that you set your auto-lock because this is a great way to ensure your phone will lock itself just in case you forget to. There are many iPhone owners that set their auto lock for five minutes after use.
However, if you multiply this five minute of power usage by ten times per day, your battery will not last you if you might think. Therefore, it is always suggested that you set your auto lock for one minute (1) after you have completed using your phone. This will ensure that the iPhone screen will not stay lit when it is not being used. If you want to have a hassle-free way to save battery life, then this is the way to do it.
Your building is secure at night, but during the day there are several doors that must be open. Anybody could walk in. What can you do?
You need an Access Control System.
What is an Access Control System?
Access Control is an electronic security system which permits or restricts access to specific areas of a premises. It not only protects property against unwanted visitors but ensures the safety of both the property and of the people inside.
In simple terms, an Access Control System provides control of entry (or exit) through nominated doors via a control panel and some form of electric locking facility.
An Access Control System can be as simple or as complicated as you wish but, in each case, the solution will always provide an easy passage for permitted persons around the building.
Door Entry or Access Control?
Door entry is commonly associated with a single door or gate, whereas access control is more suited to multiple doors or entry points.
Access Control can also incorporate a host of other features which enhance other areas of the business.
Access Control / Door Entry Technology
There are several ways that a permitted user can open a door that is fitted with a system.
PIN Code Entry
The most common unit is the keypad system. This comprises a control unit with a series of numbered push buttons, or a touch-sensitive pad, connected to the lock release mechanism via a control unit located at the entrance.
Magstripe (also called Swipe Card) Readers
Each entry point has a card reader and the user swipes an encoded card like a credit card to gain entry.
This technology is widely used and there are many choices of manufacturers.
Rather than swiping the card or tag, it is simply presented to a reader which typically will see the card at about 100mm. This is a fast, non-contact, method of entry.
Long Range Readers
Long range proximity readers (of approximately a meter or so) automatically unlock or open a door when it detects the card.
This is particularly suitable for compliance with the Disability Discrimination Act (DDA) as no action is required by the card bearer.
For systems that use cards or tags, these cards can also carry additional information which can be used for other building services for example, time and attendance functions, integration with payroll systems, car park management and even vending machine applications.
A Biometric Reader system uses unique human characteristics such as fingerprints or a retina scan to clearly identify those who are permitted access.
As there are no cards or tags which can be stolen or lost, or open to misuse, this type of system significantly increases the level of security.
What about Visitors?
You will want to welcome most of those who visit your premises, so it must be easy for them to let you know they are there.
The three most common means of attracting attention are:
A simple doorbell system which alerts your staff to the fact that there is someone waiting outside.
An audio intercom panel which allows the visitor to have a direct conversation with a member of your staff and, if appropriate, the door can be remotely released.
An audio intercom panel with a camera facility which allows your staff to see who wants to enter the building before permitting access.
Once access has been permitted, the visitor can either be escorted around or issued with a card or pin number for the duration of their visit.
Things to Consider
When planning an access control system, you should consider the following:
How many entry/exit points
Where are these located
Level of security desired
The movement of staff around the building
Method of operation
Future growth of building
Turnover of employees
Interface with other systems for example, the fire alarm
As with any type of security system, it is sensible to employ a company that you can trust. Make sure you use an NSI (NACOSS) approved organization; this will ensure that your system will be designed and installed by professionals.
There are 2 sides to the changes in bankruptcy rules. It will be a lot harder to file bankruptcy under chapter 7 and get a totally clean slate.
For businesses, relying on issuing credit, the new personal bankruptcy law is doing great, reducing personal bankruptcy claims from the thousands to double digits. (In the short run).
However, lawyers working with the actual people filing for bankruptcy say that the new law is seriously flawed because it puts more financial burdens on already broke clients and reduces potential debt repayment to small businesses.
And then of course you have the credit card companies charging high interest rates which in quite a few cases caused the bankruptcy in the first place.
According to some financial specialists, much of the debt people accumulate is a result of keeping up with the Joneses and not thinking ahead.
For 80% of clients counseled each month, the debt is credit card related and averages $32,000 – a result of six to eight cards. Consumer credit organizations say the new law provides debt-reducing strategies for those considering filing bankruptcy and curbs abuse.
Under the new law it has become a requirement that the person filing bankruptcy obtains credit counseling both before and after filing for which that person will be charged.
So now the consumer would then know the advantages and disadvantages of declaring bankruptcy. Yet it seems merely another expense for an already financially stressed individual.
People filing bankruptcy in general are not over spenders, but merely faced with temporary financial disasters such as medical costs, layoffs, a divorce, gambling debts or other crises. Before you can file bankruptcy, you are now required to complete credit counseling with an agency approved by the U.S. Trustees office.
This credit counseling is designed to help you determine whether bankruptcy is appropriate.
Once you complete your bankruptcy, the law requires you to attend another credit counseling session.
These are new requirements, before this law was passed the law did not require a person to go through counseling either before or after the filing of bankruptcy.
Second, under the old law, a person could decide to file under Chapter 7 or Chapter 13. Under the new law, the court will look at your monthly income and apply a means test relating to the state in which you live. If your income is less than or equal to the medium income, then you will be allowed to file Chapter 7 which in effect will give you a clean slate.
This medium income can vary from $28,000 in Missouri to $56,000 in Alaska. If your income is greater, you may be forced to file Chapter 13 unless you can demonstrate you do not have enough disposable income.
Under Chapter 13 you will not get a clean slate but will have to make payments on your debts.
Also, your attorney now must personally certify that your bankruptcy filing is accurate. This means more work for the attorney, with higher legal fees.
Advantages of declaring Bankruptcy:
Legal protection from creditors
Takes care of all or most debt
In some cases, can keep home and car
May stop complete financial ruin
Provides a fresh start
Disadvantages of declaring Bankruptcy:
May have to repay partial debt load and return collateral to creditors
May lose assets, including house and car (If the house is worth more than a certain amount).
Bankruptcy becomes public record, and
Remains on credit record for seven to 10 years
In the past, a bankruptcy offered a fresh start for the filer, said Columbia attorney Gwen Froeschner Hart. The new federal legislation offers language directed at helping creditors.
If you analyze credit card expenses for most people, you’ll see that they often include medical bills and day-to-day expenses for the elderly or those earning low or fixed incomes. Records show that 50% of credit card holders do not pay their full credit card bills every month.
33% of the population can’t afford medical insurance so have to charge their prescription drugs.
With the recent Medicaid cuts and rigid bankruptcy legislation who knows what is going to happen to these people.
There are some who say consumers are abusing creditors. The irony is that credit card companies are begging for customers and offering large amounts of unsecured credit, yet at the same time, lobbying for stricter debt controls.
When it comes to internet search engines the top two are without a doubt Google and Yahoo!.
Although the two a fierce competitor they share more common bonds then some people might realize. Both were created by students at Stanford University. Yahoo! was created in January of 1994 by two Stanford graduate students Jerry Yang and David Filo. The pair originally called Yahoo! “Jerry’s guide to the World Wide Web” but later changed the name to Yahoo!, commemorating the word the Jonathan Swift defined in his classic novel Gulliver’s Travels. In the book Swift stated that the word was “rude, unsophisticated, uncouth.” Four years after Yang and Filo had created Yahoo! and introduced it to the world (at this time it was a internet mogul) two different Stanford University students, Larry Page and Sergey Brin, created their own search engine, Google, as a research project, the date was September seventh 1998. Google started out as the search engine used on Stanford University’s website before it went public on August 19, 2004. When 2006 ended Google was the leading internet search engine, it enjoyed over 50.8% of the market.
By the time it was a year-old Yahoo! had had over a million hits, the sheer number of people who had found and were using Yahoo! prompted it creators to incorporated their creation in May of 1995. Yahoo! went public on April 12 1996 were it earned a total of 2.6 million dollars.
Google’s progress was a little slower then Yahoo!s. Shortly after creating Google, Page and Brin registered it as the domain google.com on September 17, 1997 on Stanford University’s website. Approximately one year after registering Google on Stanford University’s website the pair decided to incorporate their research project. Finally, on August 19, 2004, Google had its very first public offering. Google is currently the favorite internet search engine.
After its meteoritic climb to glory Yahoo!’s creators and shareholders were confident that they were holding onto a gold mine. They did not predict the burst of the dot.com bubble in the early two thousand. Yahoo! survived the crisis, but the value of Yahoo! stocks dropped to $8.11, an all-time low.
Yahoo! uses a combination of web crawler compiled and indexed results to rank the websites and webpage are registered on their search engine. In addition to rankings compiled by the web crawler, webmasters can, for a fee, purchase a submission to Yahoo!’s human compiled directory. The annual yearly fee is about three hundred dollars. The theory is that the listing humans provide will influence web crawlers into giving the website a higher ranking.
Google credits its success and popularity to the program it uses to search and rank webpage’s, a program it calls PageRank. Because Google is worried about webmasters using abusive techniques to garner higher rankings for their search engines Google carefully keeps the hows and whys of PageRank a closely guarded secret. Google does confess that PageRank runs on a link analysis algorithm. PageRank was different from all the rest of the search engine optimization techniques because it graded each page based on the number of and quality of the links that pointed to it.
Yahoo! quickly grew fond of offering the webmasters that subscribed to its search engine the opportunity to purchase something called paid inclusion. In exchange for a fee, Yahoo! guaranteed that the webpage’s would be ranked. What Yahoo! didn’t guarantee was what type of ranking the webpage’s would receive; they refused to promise that the webpage’s would appear in the first two pages of a search.
Google uses a pay-per-click method to charge advertisers. Each time an advertisers link is clicked Google charges the account fifty cents.
On September 7 1998, two Stanford University students, Larry Page and Sergey Brin, co-founded Google, a company they started as part of a research project in January 1996. On August 19, 2004 Google had its first public offering, the one point six-seven billion dollars it raised gave it a net worth of twenty-tree billion dollars. As of December 31, 2006, the Mountain View, California based internet search and online advertising company Google Inc. had over ten thousand full time employees. With a 50.8% market share, Google was the most used internet search engine at the end of 2006.
When Larry Page and Sergey Brin began creating Google it was based on the hypothesis that a search engine that could analyze the relationships between the different websites could get better results then the techniques that already existed. In the beginning the system used back links to estimate a websites importance causing its creators to name it Backrub.
Pleased with the results the search engine had on the Stanford University’s website the two students registered the domain google.com on September 14, 1997. A year after registering the domain name Google Inc was incorporated.
Google began to sell advertisements associated with keyword searches in 2000. By using text-based advertisements Google was able to maintain an uncluttered page design that encouraged maximum page loading speed. Google sold the keywords based on a combination of clickthrough’s and price bids. Bidding on the keywords started at five cents a click.
Google’s simple design quickly attracted a large population of loyal internet users.
Google’s success has allowed it the freedom to create tools and services such as Web applications, business solutions, and advertising networks for the general public and its expanding business environment.
In 2000 Google launched its advertising creation, AdWords. For a monthly fee Google would both set up and then manage a company’s advertising campaign. Google relies on AdWords for the bulk of its revenue. AdWords offers its clients pay-per-click advertising. AdWords provides adverting for local, national, and international distribution. AdWords is able to define several important factors in keywords when and ad is first created to determine how much a client will pay-per-click, if the ad is eligible for ad auction, and how the ad ranks in the auction if it is eligible.
By following a set of guidelines provided by Google, webmasters can ensure that Google’s web crawlers are able to find, index, and rank their websites.
Google offers a variety of webmaster tools that help provide information about add sites, updates, and sitemaps. Google’s webmaster tools will provide statistics and error information about a site. The Google sitemaps will help webmasters know what mages are present on the website.
The major factor behind Google’s success is its web search services. Google uses Page Rank for its search engine optimization program. Page rank is a link analysis algorithm that assigns a numerical weight to every single element of a hyperlinked set of documents, like the World Wide Web. Its purpose is to measure the relative importance within the set. PageRank is a registered trademark of Google. Stanford University owns PageRank’s patent.
Search engine optimization is the art and science of making web pages attractive to internet search engines. Some interne t businesses consider search engine optimization to be the subset of search engine marketing.
In the middle of the 1990s webmasters and search engine content providers started optimizing websites. At the time, all the webmasters had to do was provide a URL to a search engine and a web crawler would be sent from the search engine. The web crawler would extract link from the webpage and use the information to index the page by downloading the page and then storing it on the search engines server. Once the page was stored on the search engines server a second program, called an indexer, extracted additional information from the webpage, and determines the weight of specific words. When this was complete the page was ranked.
It didn’t take very long for people to understand the importance of being highly ranked.
In the beginning search engines used search algorithms that webmasters provided about the web pages. It didn’t take webmasters very long to start abusing the system requiring search engines to develop a more sophisticated form of search engine optimization. The search engines developed a system that considered several factors; domain name, text within the title, URL directories, term frequency, HTML tags, on page key word proximity, Alt attributes for images, on page keyword adjacency, text within NOFRAMES tags, web content development, sitemaps, and on page keyword sequence.
Google developed a new concept of evaluating internet web pages called PageRank. PageRank weighs a web page’s quantity and quality based on the pages incoming links. This method of search engine optimization was so successful that Google quickly began to enjoy successful word of mouth and consistent praise.
To help discourage abuse by webmasters, several internet search engines, such as Google, Microsoft, Yahoo, and Ask.com, will not disclose the algorithms they use when ranking web pages. The signals used today in search engine optimization typically are; keywords in the title, link popularity, keywords in links pointing to the page, PageRank (Google), Keywords that appear in the visible text, links from on page to the inner pages, and placing punch line at the top of the page.
For the most part registering a webpage/website on a search engine is a simple task. All Google requires is a link from a site already indexed and the web crawlers will visit the site and begin to spider its contents. Normally a few days after registering on the search engine the main search engine spiders will begin to index the website.
Some search engines will guarantee spidering and indexing for a small fee. These search engines do not guarantee specific ranking. Webmaster’s who do not want web crawlers to index certain files and directories use a standard robots.txt file. This file is located in the root directory. Occasionally a web crawler will still crawl a page even if the webmaster has indicated he does not wish the page indexed.
Many people would like to go on vacations, but they feel they can’t because of financial situations or other timely events in their life. And money has a lot to do with that. If vacations were free or cost less, maybe people would not mind several vacations per year. If you are enthusiastic about holidays, but money is an issue, you can ease the pain with a few apps that help you earn money while traveling. The income is not much, but it is something that will contribute to small expenses.
Wondering how you can make money from your road trip? Roadie pays people to transport goods in their trunks to various places in the US. For a short distance, deliveries expect $8-$50. Long distances with a lot of luggage could earn you around $650—or more if it is a pet.
This job is not very different from other freelancer jobs, and you can even write off the mileage on your taxes.
Field Agent is a good excuse to travel. It connects you with companies that need on-the-ground market research. If you have the app, you only have to create a new login for the country you are currently in. The app will find gigs near you, and you will earn $2-$12 for simple tasks like checking prices.
If by any chance there is some extra space in your travel bag, you can fill it with goods that are transported to your destination for extra cash using Airmule. Alternatively, you can have an extra bag for that. Being a mule, you will earn 80% of the sender’s fee—this could be $40 for about five pounds and an additional $6 for every extra pound.
For now, this job is only for the UK or US and China (this trip could earn you $300 one-way). However, very soon it will be available internationally.
Apart from making your Instagram followers jealous, travel photos can earn you money. With Foap you can sell the photos to legendary brands like Visit Sweden, Garnier and Heineken for their digital marketing purposes.
To make money, download Foap and upload a great photo. If a company buys it, you earn $5. And that is not even the best part—you can sell the same photo to countless businesses and get $5 each time.
Occasionally, Foap features “Missions” where a brand requests specific pictures, for example, “Christmas in Poland.” If you emerge as the Mission’s winner, you earn at least $100.
Note that when you sell a photo on Foap, the buyers obtain a non-exclusive right to the picture.
There is usually so much waiting while traveling. You get bored and scroll through your Facebook feed every second hoping to find something interesting. Instead of getting bored to death why not earn “SB” points for watching short videos and movie trailers using the Swagbucks Watch app. For every six videos, you make 2 SBs. 500 SB is roughly equal to $5.
Next time you are going on a vacation download any of these apps, and you may stumble on a decent hourly rate and enjoy your vacation even more.
Snapchat is a new social media platform with billions of dollars in valuation (so it is safe to say that it is here to stay). It was released in 2011 and like almost every other app; it allows users to send videos and photos to followers. What sets it apart is the fact that messages you send disappear within ten seconds.
With many more features being introduced—like the Discover feature or the live feature that allows users in a certain event or city to crowdsource their snaps—Snapchat gets more interesting by the day.
So how do you make money?
The moment you sign up, Snapchat asks you if you would like to automatically add everyone who is in your contact list that has a Snapchat account. Accept and add them all; if you like, you can unfollow them later. Most people will add you if you first add them. Follow anyone you like; there are no negative implications as in Twitter or Facebook.
When creating content, there are important points to note;
• First, consistency is key. Snap multiple times a day. You cannot afford to rest. People should get used to your content; let it be a daily dose.
• Combine personality marketing with niche content. Snapchat allows you to market your products and your personality. Show people what you are selling through demos and testimonials but also show them who you are in real life.
• Take advantage of what has been tried and tested. Attractive women and animals are more likely to drive engagement than anything else.
• Pay for shoutouts. You can always tell some of your followers to give you a shout out either by posting your photo or video. In some instances, this is free, but for people with hundreds of followers, you have to make it worth their while.
• Post your Snapcode on every platform. This is so easy and fun. Post your code on any site and someone gets to add you by taking a photo of the code.
• Get live. Turn on Snapchat’s location for a chance to be included in the live story in case it is happening in your area. But turn this feature off for security purposes if you do not feel safe.
Nobody likes to miss out. Tap into this fear of missing out by offering a discount in a snap that disappears in 10seconds. You can create a discount page on your site, such as yourweb.com/Snapchat and send a snap video describing the discount. Do not forget to write the URL on the video and let them know it will expire in, maybe an hour—and take it down in an hour.
Snapcash, joint with PayPal, lets you send money to friends but you can use it for sales. Take a snap of your product and make sure it is really cool and send it. If anyone seems interested, offer to sell it to them right there on the spot through Snapcash.
When your audience trusts you, recommend products for them. If you land a nice company like FitTealife that pays $1 for every view, then you could be looking at a revenue source.
Snapchat is amazing and has so many young users. There are a lot of cool things you can sell to them.
People view bankruptcy as a wakeup call and well they should because that means they hit the bottom of the barrel and are now scratching the bottom – for more cash! If you believe misery loves company, be secure in the knowledge that there are at least 1.5 million people in there with you, that is how many filed for bankruptcy in the last year. Anyone can over-extend themselves and many do for more reasons than I could count.
Filing for bankruptcy is not only used by the lower and middle class but the rich as well. Famous people have fallen into the hole and climbed out, people like:
Donald Trump, Filed in 1990 – Kim Basinger, in 1993 – Burt Reynolds, in 1996 Rembrandt, in 1656. I am not sure about the last one; he may still be trying to dig his way out!
In the old days they would send people to debtors’ prison or even put them to death (not in America though), treating them like criminals. In these more civilized times, the government not only banned this kind of barbaric action but made into law rules to protect us.
The bankruptcy code, also known by title 2 of the United States code (11 U.S.C.,101-1330), has been put into place to protect the rights of the individual and corporations, giving them a fighting chance against dept collectors, bankruptcy courts having the final word. There are basically two kinds of dept, secured an unsecured. Secured is where the creditor has collateral, be it your car, boat, house, or any material thing of value that they can take possession of if the dept is not paid. Unsecured is simply just the opposite, where the creditor has no collateral at all. In this case if the dept is not paid all they can do is use a collection agency where they call you day and night. Also, you must watch out with an unsecured dept because if the balance is large enough the creditor can put a lean on your property by getting a court order. This will prevent anyone from selling their house and moving away to hide from creditors.
If you or anyone you know is behind on payments, there is something they should know. Since 1997 the government stepped in to stop dept collectors and collection agencies from harassing and threatening people in the middle of the night and using unethical collection practices. The Fair Dept Collection Practices Act (FDCPA) makes collections agencies follow certain guidelines. These are things collectors must do:
*Stop contacting you if the request is in writing and you dispute the dept in writing.
*Within 5 days of their first contact they must send you a letter stating the outstanding dept and creditor.
*If you want to dispute all or part of the dept the collection agency must stop contacting you until the creditor responds to your inquiry.
*If the collection agency wants to take you to court for the dept owed on behalf of the creditor it should summon you to the county where you now live or where you first singed the contract.
Now, do not be alarmed just because a creditor threatens to sue you because most times it is just meant to scare people into paying on depts.
Under the act (FDCPA) there are many things collection agencies cannot do, some of which are:
*No calling you at work
*Indicating they may be working with the federal government
*No calling your friends or family
*Implying that you may go to jail, garnish your paychecks unless the dept holder plans to do it
Our government, in its infinite wisdom reasoned a long time ago that if they send everyone to jail there is zero change of collecting on any dept on behalf of a creditor. You probably have heard of someone that has had their wages garnished, that is creditors who get a court order to take a piece of their check until the dept is paid. This is a common practice in states that allow wage garnishment and there is little you can do about it except for contacting an attorney. Did you know if you have an unpaid school loan or owe the IRS, they don’t even need a court order to garnish wages, even in states that normally don’t allow this? You can bet on it; they can also take your tax refunds!
As for personal property, in cases like a store dept (store credit card, personal check or payment plan) on an item like major appliances or furniture you may have bought they still need a court order to take it back, unless you let them in anyway. That is right! If you let them in without a court order they can come and get it back! Many times, if is just not worth it for them to re-possess items because they must go the process of getting a court order and pay someone to carry it out. Also, it may be harder to sell a used item that may be stained or damaged. One final word on this point, remember on secured loans and cars there is a definite risk of repossession if the loan (mortgage or car finance) is not paid. There is usually too much money involved here for creditors to lose so these payments should be on top of you to pay list!
If you find collectors are not playing by the rules you should call an attorney or the Federal Trade Commission’s response center at 1-877-382-4357 (FTC-HELP)
You can check out FDCPS’s website at http://www.ftc.gov/os/statutes/fdcpa/dcpact.htm for more info.
Step #1 – WHO DO YOU THINK YOU`RE TALKING TO?
Before you sit down to write your email sales letter, you`ve got to determine exactly who your audience is. This is a master key to getting results from email marketing.
Ask yourself these questions:
– What do your prospects/customers want?
– What frustrates your prospects/customers most?
– Who else is selling something like you?
– Why should your prospects/customers believe you?
– Why should prospects/customers respond to you instead of someone else?
– What kind of appeals will your target market respond to?
=> Step #2 – A GREAT SUBJECT IS YOUR OBJECT
Before an email can generate results, recipients need to open it. But what can you do to spark their interest and get their interest “motor” revved up?
Your SUBJECT LINE is the key.
There are four types of email formulas you can use as a guide in crafting your email. Each has a different PSYCHOLOGICAL APPEAL that works like magic on consumers. Here are some examples:
– State a powerful benefit – “Empowerism Satisfies Your Need for Leads”
– Pique curiosity – “Empowerism Has Uncovered the Secrets of Success”
– Write your subject line with a news angle – “Empowerism Launches RSVP For Those Who Want to Double Their Money Fast!”
– Offer Immediate Gratification – “With Empowerism RSVP, you can start the money wheels turning before the sun goes down tonight”
Here`s an important “homework assignment”: Write at least 25 SUBJECT LINES before you decide on which one to use. Take the best two and test them against each other in your marketing campaign. (Save the “losers” to use for other purposes or spruce up later.)
=> Step #3 – WHAT`S IN IT FOR THEM?
Sit down and write every conceivable benefit your product has. Don`t know the difference between features and benefits? Features describe the product; benefits describe the results of using the product. Features appeal to logic…logic justifies emotion…emotion drives sales (see below).
Here`s a rule of thumb for benefits: ask yourself “What can my product or service do for my customer?” Then begin to write your letter telling your reader WHAT`S IN IT FOR THEM. Tell them how much better life will be for them after they buy from you. Tell them how much better they`ll feel. Tell them how their peers will respect them more.
=> Step #4 – AN EMOTIONAL APPEAL
When promoting anything to anybody, you must remember that buying decisions are based upon emotion and later backed up by logic. Before you write a single word, determine what emotional hot buttons you need to push to “jumpstart” your prospect.
Selling health supplements? Go for the “fear of illness” button with “A Natural Way to Save Your Eyesight.” Selling political bumper stickers? Hit the “anger” button with: “Let the President Know What You Think of His Policies.” Other buttons include: curiosity, greed, ego, vanity, hope, and/or fear of scarcity or security.
=> Step #5 – A NAME YOU CAN TRUST
To convince people to buy your product or service, you must make them believe that your offer is credible and that you (or your product) will deliver as promised.
How do you do that? Here are three ways you can build credibility with the readers of your sales letter:
– Provide testimonials.
– Include endorsement letters from authority figures in your industry
– Make your offer and promises sincere and believable.
=> Step #6 – A GUARANTEE
Nowadays, trying to sell without some type of guarantee is a losing proposition. You`ve got to have one. And the stronger your guarantee, the better your response will be. And, believe it or not, although most people will NOT ask for a refund, they`ll trust your offer knowing that you stand behind it.
You can offer a 24-hour, 30-day, 60-day, 90-day, or even a full-year. And here`s an interesting fact: The longer the time period, the fewer returns you`ll have! It`s human nature to procrastinate, so the more time someone thinks they have to get a refund, the more they`ll put it off or forget about the refund altogether.
=> Step #7 – DON`T FORGET TO ASK
It happens all the time. Someone makes a fantastic sales presentation, and then doesn`t close the deal because he/she didn`t clearly ask for the order or made the process confusing rather than simple.
– From the Research Department: Statistics show that you need to ask for the order at least three times to close substantial sales. (Some studies put the number at 7!)
If you can, offer several ways for your prospects to order — consumers love choice. It tells them, “You`re talking directly to me and meeting my unique needs.” If you only offer one way to order, make it crystal clear how AND how easy it is. Describe it in detail and ask for the order. Then ask again.
=> Step #8 – THE EYES HAVE IT
It`s a well-known fact: Large blocks of copy are intimidating and will often send people running for the hills or at least the Delete button.
The solution? Break up paragraphs into two to four sentences. Use several subheadings throughout the email letter. And use asterisks, dashes, and ellipses (…) to give your copy more rhythm. Bullet points are excellent eye-catchers – use them whenever appropriate.
Every week I receive a couple of emails from people seeking advice on how to get into freelance copywriting. While there’s no simple answer, and no answer which applies to everyone, there are a few tips which I believe will help most people make the move into freelance copywriting and survive the first few months at least.
1) Invest in a website
The best place for any freelance advertising copywriter or website copywriter to start is to fork out for a website. A website is invaluable because when you could call and email prospects, you will need to direct them somewhere that gives them more information. Keep your website simple, include a portfolio page, add any samples of any sort of copywriting you’ve done, talk about the places you’ve worked, the clients you’ve written for, and include any testimonials you’ve received. Make sure you include your address and contact details as well, so people do not think you’re a fly-by-night operation. Of course, it does not hurt to include a photo either. If you cannot say much about your experience, don’t say much. It does not even really matter if you don’t say anything. Remember, just like any other form of advertising copywriting, writing about yourself requires the art of subtlety. If you lack experience, but you’re confident you can do the job, you can be very clever in what you don’t say, and most people will read it the way you intended.
2) don’t target agencies
If you’ve never worked as an advertising copywriter or website copywriter before, don’t target advertising agencies and web design agencies. They know exactly what they’re after, so if you don’t have a portfolio, you won’t stand a chance. Managing an inexperienced copywriter and controlling quality takes a lot of time and introduces risk. Most agencies are too busy to give unproven copywriters a break, even if you’re prepared to do the work on spec. Target end-clients directly.
3) Cold call, cold call, cold call
One of the best ways of generating business in the early days is to cold call potential end-clients. it’s hard work and very time consuming, but you can generate some very qualified leads. For more information on cold calling, take a look at http://www.divinewrite.com/coldcallingcopywriter.htm.
4) Use a contacts & jobs database
No matter where you’re at in your freelance copywriting career, you NEED a database of contacts and jobs. Kind of a scaled down CRM (Customer Relationship Management) tool. Use it to record everything! Particularly names, phone numbers, and the details of any correspondence (especially phone calls). I created my own database using Microsoft Access. Visit http://www.divinewrite.com/downloads/contacts and jobs.mdb to download a 208KB working copy for FREE. You’ll need Microsoft Access 2000 to run it. I’m no database expert, so it’s not a work of art. It’ll certainly get you started though. (TIP: When using the database, press Ctrl +; to enter todays’ date.)
5) Write a few samples
If you’re targeting specific clients or industries, don’t be afraid to write a few samples and send them through. You can offer the pieces free of charge (everyone likes something for nothing) or at a discount, or you can use it as an incentive to sign them up for future work. It all depends on the type of work and the type of client. The important thing to remember is that samples are virtually as good as a portfolio to most prospective clients.
6) Invest in an accounts package
Don’t be fooled into thinking you can handle your accounts manually (or with Microsoft Excel). Even if you only have a few clients, you NEED a proper accounts package like MYOB or Quicken (they both offer small business versions). You’ll understand why the first time you do your GST reports or annual taxes. In fact, you’ll understand why whenever you need to chase down outstanding invoices
7) Give great service
This may seem like an obvious one, but it’s important to remember that great service means different things to different clients. Most of the time you will be working with direct clients (quite often startup businesses) and agencies. Both appreciate great service but define it entirely differently. Agencies rely on their freelance copywriters to meet strict requirements (get the work done well, get it done on time, do not exceed the budget). They have end-clients breathing down their necks, so reliability is as important as writing quality. End-clients, on the other hand, need an advertising copywriter or website copywriter who sees their business the way they do, and can convey that vision. They’ll probably need a lot of guidance as well, particularly if they’re just starting out themselves. If you can, help them understand that copywriting isn’t just about telling people what products and services the business offers; it’s about conveying the benefits of those products and services. A good advertising copywriter or website copywriter will be able to help their client think in terms of benefits instead of products and services.
8) Expect hard times
The first year or two as a freelance advertising copywriter or website copywriter will be difficult. It takes a while to generate momentum and during that time, you’ll probably find yourself wondering if you’ve made the right career choice. While its possible to earn six-figures each year, you have to be patient (so its not ideal for new or intending parents or anyone with huge mortgage commitments).
9) Do not spend too much on training
In my humble opinion, no money spent learning is wasted. However, you must weigh up the return on investment. I do not know much about what copywriting courses are available, but if they are expensive, I’d think twice. In my experience, most clients (be they agencies or end-clients) value copywriting ability over training.
10) Know you can do it
Confidence in your copywriting abilities is a must. If you are not adamant you can produce the results the client is after, you will never be able to convince the client. Remember that everyone feels daunted at the start of a new copywriting job. There is always a steep learning curve in copywriting, and generally quite a bit of time-consuming labor. Do not fall into the trap of focusing on what you don’t know and what you haven’t done.
Good luck, and happy writing!
Many traders are very much attracted to the sophistication offered by the multi indicators and use them in their forex trading systems. Many of the confluence system indicators show the price movement and in no way adds any value to the trade. Due to this, the traders either end up over bought or oversold technical indicators like the stochastic, momentum indicators, candle stick chart pattern recognition, Bollinger band breaks out even neural networks which are supposed to be artificial intelligent systems.
The technical indicators just show signals which are like buy or sell or hold, making the signal generated to be correct. Theoretically it sounds good but, to arrive at a conclusion might be difficult. As a result, the traders are confused in making a right decision. They either enter too late or too early or remain still without being able to decide to enter the market. The major flaw is due to the use of useless trading system which does not serve the purpose to make profits but confuses the traders and complicates the forex trading until the trader loses.
Another dangerous flaw found in forex trading is of an emotional nature interwoven into the process. It is fear and greed of the trader. A profitable forex trade can lead to exuberance and over joy, but this is the time when greed comes in and crosses the aspects of risk management. When a trader is hooked to winning, out of greed he over-rides all aspects to see more and more profits, only to see them crash to earth. They wait for the prices to regain, but in dismay may some time and with worst possible losses. This is the time when fear crops up and paralyses the trader not making him to open any position. Hence while trading, the trader should not override the emotional side of trading, stick to discipline of the trade which can prevent them from committing the flaw of forex trading.
Another kind of flaw can happen when the trader is an unconcerned person or the one who is lazy, or with no drive to gain profits or feels the need to be profitable. These people would have entered forex trading due to hearing it as an easy game. For them it is not a trade which involves skill, trade management, preparation, and re-investment. It is a fun game for them, where loses do not make any difference to them. Such persons make a wrong footing, with a wrong objective.
Flaws in forex trading due to the inadequate knowledge of the trader:
Some of the losers start with good purpose in the trade. Even though they had gained some knowledge from here and there they might find it difficult to apply them practically in the trade. Inadequate knowledge might be the major flaw which stops them from achieving success.
From the perspective of a business owner, webmaster, or marketing manager, the change exhibited by the Internet is profoundly exciting, yet profoundly disturbing. The information (and misinformation and disinformation) it offers, the business benefits it promises, and the rules it is governed by change at such a rapid rate that it’s almost impossible to keep up.
These changes have led to a growing appreciation of the value of quality web copy. This appreciation has, in turn, led to an influx of opportunistic copywriters promoting themselves as website copywriters or SEO copywriters. Do not get me wrong, there are quite a few excellent SEO copywriters out there, and you should shop around. The purpose of this article is not to scare you; it is to help you find the SEO copywriter who’ll deliver honest service and excellent results.
So, with that in mind, take a look at the following ten tips. These are the things you have a right to expect from anyone wearing a name badge that reads website copywriter, SEO copywriter, internet copywriter, or web copywriter (See also 10 Things to Expect From Your Website Copywriter and How to Make the Most of Your Website Copywriter.)
1) An understanding of SEO
Obviously, your SEO copywriter must have a solid understanding of the essentials of Search Engine Optimization. They must know that ranking is essentially the result of a website’s relevance (i.e. keywords) and importance (i.e. inbound links). There are a whole lot of other factors involved, but if your SEO copywriter does not understand these two basics, you should look elsewhere. If you’d like to ensure your SEO copywriter knows a little more than just the basics, take a look at SEO for CEOs, Writing SEO Copy, SEO Trade Secrets, Web Copy – How Much is Enough?, and How to Top Google by Writing Articles for some clues as to what you might like to ask in order to assess their knowledge.
2) Proven experience
The proof is, as they say, in the pudding. It’s not enough that your SEO copywriter can talk the talk; they must also be able to walk the walk. Ask to see some examples of websites for which they have obtained some good rankings. Note that it may be difficult to find an SEO copywriter who has worked on both keywords and link generation, so if you find one who has, and they write well, snap em up! They will have a very broad and useful working knowledge of search engines.
3) An understanding of how many keywords to use
You don’t want to fill every page up with every keyword you’re targeting. This simply dilutes your site’s relevance and reduces readability. Ask your SEO copywriter how many keywords they would recommend targeting on each page. Hopefully, they will suggest no more than 3, preferably 2. By targeting 2 keyword phrases per page, you can use them a lot without impacting readability.
4) Clear agreement on who will provide keywords
Someone needs to perform a keyword analysis to figure out what words you should be trying to rank highly for. Your SEO copywriter should be able to do this for you, but its quite often more cost-effective if someone a little closer to the business does it. Either way, make sure your agreement with your SEO copywriter makes it noticeably clear who is performing this task. Do not assume the SEO copywriter is going to do it, because they may assume, you’re going to do it, and then you will blow your budget.
5) Keywords or keyword phrases
Expect your SEO copywriter to offer some advice regarding how specific you should be with your keywords. In most industries, the competition for keywords is so fierce that you will be forced to target specific keywords in order to rank at least at the outset. For instance, if you are in IT, you probably would not start out by targeting the keyword IT. The competition is immense (at the time of writing, there were approx. 3,240,000,000 results for this search in Google.com) and the IT giants already dominate the search engines for this keyword. Instead, try using a more specific keyword phrase like IT infrastructure consulting New York (at the time of writing, there were only around 4,000,000 results for this search in Google.com). The other benefit to targeting more specific keyword phrases is that you will generate more relevant leads.
6) Agree on word count per page
Always make sure your SEO copywriter gives you an indication of the number of words they expect to write per web page. While its necessary to have a decent body of words on most of your web pages, you certainly should not have too many. What too many is all depends on your industry, the objective of the page, and the needs of your audience. It is always a delicate balance, but it’s certainly possible to rank highly with only 100-200 words per page. So, do not be fooled into paying for copy you do not need!
7) Density targets & measure
SEO of a web page is NOT guess-work. A good SEO copywriter will talk about density measures. This is a measure of the number of times the keyword phrase appears on the page. Its expressed as a percentage of the total word count of the page. So, if your page has 200 words, and your keyword phrase appears 10 times, its density is 5%. As a rule of thumb, your SEO copywriter should be aiming for a density of approximately 5% for your primary keyword phrase and 3-5% for your secondary keyword phrase. If your density measures are much higher than this, readability will be reduced, and you will risk being perceived as spam by the search engines. Make sure your SEO copywriter understands keyword density, is prepared to state the target density for each keyword phrase and is also happy to be measured by that standard (should you decide to measure).
8) Where to place keywords
The question of keyword placement has been the subject of much debate amongst SEO copywriters. While it is still unclear how much impact placement has, there is a consensus that it has SOME impact. Be sure that your copywriter is aware of this impact. Popular opinion has it that keywords are more effective if they appear in headings, bolded text, links, and generally toward the beginning of the page.
9) Some comment on structure & links
Websites are generally better indexed by search engines if their spiders can traverse the entire site using text links. This means your SEO copywriter should be linking each page to every other page using text links. If your site is complex, this may be impractical, so your SEO copywriter will need to create a hierarchical structure for your site. First, they should break your subject material down into categories. Then for each category, they should write a summary page. These summary pages should be accessible from higher level pages via text links. They should also be accessible from each other. Each summary page should link using text links to a number of pages discussing the finer details of the category. And each detail page in a particular category should link to every other detail page in that category (once again, using text links). This way the spiders can travel from the top of your hierarchy to the bottom, and from left to right across any level.
10) Don’t believe grand promises
SEO copywriters can play a significant role in increasing your search engine ranking. But they can’t do it overnight. By optimizing your site for your target keyword phrases, an SEO copywriter is simply declaring the relevance of your site. If you engage an SEO copywriter to write helpful articles containing a byline with a link back to your site, you can then submit these articles for publication on the Internet, and this will steadily increase your ranking. But if an SEO copywriter tells you they can dramatically increase your ranking in a matter of hours or days, be wary. NOTE: Your SEO copywriter should be able to submit your articles to various submit sites on the Internet. These sites are closely watched by hundreds of thousands of publishers of e-newsletters and article pages from all around the world. High quality articles are quickly snapped up and published prolifically. And each time your article is published, you have got another link back to your site, thus increasing the importance of your site (to the search engines). If you would like to submit your own articles, your SEO copywriter should be able to sell you a list of 50 or more submit sites for as little as USD$99.
An SEO copywriter is a valuable addition to your marketing function. But you need to make sure you choose wisely. When you know what questions to ask, the battle is half won.
Forex trading has a big appeal among the people due to the possibility of creating instant wealth. If forex trading is equipped with a good strategy, preferably a unique one will be of great help in achieving success. Forex trading strategies reduce the risk irrespective of the person’s participation in position trading, or day trading, or swing trading provided they are disciplined enough to stick to the strategy adopted. The best forex trading strategies are adopted by forex traders who are blessed with keen market sense and who can be privy to get inside information. Based on that information they develop forex investment strategies. The forex trading strategies which are devised after observing the market for quite some time gain profits by rising above the odds. The forex traders who are best in their profession do not enter a trade without devising an exit strategy. They are the people who know very well when to minimize their losses and when to maximize their profits. They are very disciplined in doing both.
Leverage strategy: Forex trading strategies help achieve success in forex trading or online currency trading. Forex trading differs from trading stocks and the use of forex trading strategies help the person to gain more profits in a noticeably short period. There are many forex trading strategies adopted by the investors, the most useful among these strategies is called as the leverage. This forex trading strategy allows the online traders to get more funds than the deposited amount; by adopting this strategy the benefits are maximized. This strategy helps in utilizing the amount deposited in the account even up to 100 times against any forex trading by backing high yield transactions very easily and better results are got. This leverage forex trading strategy is used by the traders on a regular basis to take advantage of fluctuations happening in the forex market in short term.
Stop loss order strategy: Stop loss order forex trading strategy is also used commonly among forex traders. This strategy protects the investors and creates a situation called the predetermined point, not allowing the investor to trade when it is reached. This forex trading strategy minimizes the losses. Sometimes this strategy might backfire and make the investor to run the risk of stopping their trading leading to a higher loss, hence it is up to the trader to use or not to use this forex trading strategy.
Automatic entry order strategy: </b>An automatic entry order forex trading strategy is also one of the widely used strategies. This strategy allows the investors to participate in the trading activity when the price is suitable for them. Here the price is already determined and when the situation is reached the investor enters the forex trading automatically.
Apart from the above strategies, there are certain basic rules to be followed as strategies to gain profits in forex trading:
The amount exposed in the foreign currency trading should always be kept in track to ensure to be within the accepted levels. While trading, the trader should not be very greedy or breach when keeping the returns in mind which is expected out of the transactions. The main objective should be kept in mind; it might be either capital appreciation or constant returns or high profits. Keeping track of one’s own experience will reward at a later stage.
Investment should be within the affordability to lose. Also relying on experts opinions, history prices, and analytical statements may be effective some time rather than going by their own instincts.
The popularity of trading futures and options has been growly rapidly for several years. The ease of accessing constantly updated data online has prompted an increased fever by day traders to attempt to be successful and make money in this risky investment area. Individuals can now trade these markets with the same ease and speed as large companies.
Trading forex (foreign exchange) and commodity futures and options is not for everyone. It is a complex and risky business that experiences volatile price and value swings. Before you invest any money in forex, commodities futures, or option contracts, you should:
Consider your financial trading experience, goals, and financial resources and know how much you can afford to lose above and beyond your initial payment.
Understand commodity futures and option contracts and your obligations before committing your finances into trade contracts.
Understand your risk exposure and aspects of trading by thoroughly reviewing the risk disclosure documents your broker is required to give you.
Know who to contact if you have a problem or question.
Ask more questions and gather more information before you open an account.
Commodity futures and option contracts:
A futures contract is a legally binding agreement between two parties to buy or sell a specific financial product or commodity in the future, on a designated exchange, for a specific quantity of a commodity at a specific price. The buyer and seller of a futures contract will agree now on a price for a product to be delivered, or paid, for at a specifically set date and time in the future, which is known as the “settlement date.” Actual delivery of the commodity can take place in fulfillment of the contract, but most futures contracts are closed out or “offset” prior to delivery.
An option on a commodity futures contract is a legally binding agreement between two parties that gives the buyer, who pays a market determined price known as a “premium,” the right (but not the obligation), within a specific time period, to exercise his option. Exercise of the option will result in the person being deemed to have entered a futures contract at a specified price known as the “strike price.” In some cases, an option may confer the right to buy or sell the underlying asset directly, and these options are known as options on the physical asset.
In the United States, an individual, cannot trade futures contracts and options on futures contracts directly on an exchange. A person or firm must trade on your behalf. People and firms who trade on your behalf as a customer generally must be registered with the Commodity Futures Trading Commission.
Two general categories of trading accounts:
Individual Account. In an individual account, trading is done only for you. An individual account may be setup as either a “non-discretionary” or a “discretionary” account. A “non-discretionary” account means that you will make all the trading decisions and the broker may not execute any transactions without your prior approval and consent. A “discretionary” individual account means that you give permission to the broker firm carrying your account or some third party to make trading decisions on your behalf.
You may open an individual account with a registered Futures Commission Merchant or through an Introducing Broker. An Introducing Broker may accept your orders and transmit them for execution to a Futures Commission Merchant with which the Introducing Broker has a relationship. You deposit funds directly with the Futures Commission Merchant. In an individual discretionary account, you grant power-of-attorney to a Futures Commission Merchant, an Introducing Broker, one of their Associated Persons, or a Commodity Trading Advisor to make trading decisions on your behalf.
Commodity Pool. You may also trade commodities through a “commodity pool.” This means you are purchasing a share or interest in the pool, and trades are executed for the pool, rather than for the individuals who have interests in the pool. Pool participants share in any gains or losses.
If you have a dispute or a problem arises out of your commodity futures or option account, first try to resolve the problem with your broker. If that is not successful, then you have options for resolving disputes: (1) the CFTC Reparations program; (2) industry sponsored arbitration; or (3) court litigation. In selecting a particular approach, you may want to consider the cost, length of time involved and whether the assistance of an attorney is required. More information on dispute resolution is available from the CFTC’s Office of Proceedings (202-418-5250).
A Checklist “Before You Trade”:
Make sure you have:
Clearly identified your financial goals, including the amount of risk and loss you can handle?
Determined how much assistance and help you may want from a trading advisor in making trading decisions?
Checked the registration status and disciplinary history of the advisor or pool you select with the National Futures Association?
Received and thoroughly reviewed the disclosure document — before you open an account?
Clearly understood the disclosure document, including the statement of fees, the potential for loss, your right to withdraw your funds and the “break-even analysis?”
Make sure you ask questions for anything that you do not understand. Remember, it is your money, make sure you know where it is going.
Call the CFTC or the NFA with any questions you may have?
Several years ago, mobile apps were regarded as expensive. Today, developing them has become cheaper, and you can find an app for just about anything. There are retail apps, e-commerce apps, and business among others. Today’s markets are quite dynamic. Shopping with smartphones has become the norm in most countries.
E-commerce businesses rely heavily on mobile apps to find new customers and market their brands. A significant percentage of the world’s population owns smartphones, and most of them spend their time on apps.
So what are the advantages of e-commerce apps?
Having an ecommerce app is not the only guarantee of profit. It is simply a tool to improve your customers’ experiences and engage them. If you have a business, you should have an app as well.
Most of the websites now have mobile versions. However mobile devices load search results and data faster with apps. Moreover, apps do not require pulling data from a server, and so browsing and purchasing products is faster for customers.
M-commerce revenue keeps rising every year, and it might hit $150 billion in 2017. Amazon, being the biggest retail app, went from 43 million to 67 million customers in only two years. When customers have a comfortable experience, they make repeated purchases increasing a business’s sales.
Many people already know how tablets and smartphones work so they can easily find the products they need. Customers share their shopping experiences with friends and sometimes also ask community shopaholics for shopping advice. When the experiences are positive the conversion rate increases, and you will have new customers.
Make your online app convenient, exclusive, fast, interactive and more importantly, simple. Let the buying process on your app be as simple as possible and add features like discounts, notifications among others to keep your customers happy. You will retain almost all your clients and even gain more.
You can’t do this with a website. Even sending emails about seasonal sales and new products cannot compare with customer notifications through apps. Push notifications have the advantage of being instant and noticeable.
You can alert shoppers when their parcel(s) will arrive, rewards, offers and shopping recommendations.
A mobile app helps you deliver personalized content to your customers based on their shopping patterns and individual preferences. The app gathers customer data and recommends items to them.
Tailored content ensures better engagement with customers which equals higher customer loyalty.
For a prosperous business, you have to know your clients. User analytics can be set within the app to know the sex, age and shopping history of a customer. Understanding your customers helps you to serve them better and learn trends.
Having a mobile app significantly reduces your marketing costs. If your app is integrated into social media satisfied customers will spread the word. When your app has grown, you can place ads there and earn revenue.
It is easier to create and maintain an app than any other selling point. Apps reduce costs, and they are more efficient in marketing which means improved business productivity.
Incorporating GPS locators in your app helps users to find your store in a shorter time. You can easily create route pointers to direct customers straight to your store. If you do this, expect higher purchases. Besides, it is a great experience for your clients.
Online shopping apps are convenient, which is one reason why everyone loves them. Overall benefits to users include;
• Smart shopping—businesses can provide users with relevant content according to their shopping preferences. Apps also help users shop at physical stores and push notifications alert them on special deals.
• Faster buying process—there is no need to go to the store and wait in line.
• The power of social media—incorporating these apps into social media is a great marketing strategy, and it exposes your business to more potential customers.
• Tracking stores—you can find a store’s location by logging in their app and following route pointers.
M-commerce and mobile apps are always expanding. With billions of people spending most of their time online, there is no better place to look for customers. Marketing has been made easier and more efficient.
Ensuring customer satisfaction was a challenge until mobile apps came along. What else would customers want if not straightforward and convenient shopping?
Annuities can be purchased directly from an insurance company or from other financial institutions (including banks) that act on behalf of the insurance company. In exchange for your investment, the insurer agrees to make periodic payments for a set time period. It’s important to remember that some annuities may lose value. These products are not insured by the FDIC or the FDIC-insured bank or savings institution that may offer them.
There are different types of annuities. A “fixed annuity” provides a fixed payment, often monthly, until the investor dies. It typically guarantees no loss of principal (the amount invested). A “variable annuity” also guarantees payment for a set period, but the payment amounts will fluctuate based on the market performance of the investment option you choose. With a variable annuity, you also risk losing principal as well as earnings, although some variable annuities guarantee the return of your initial investment for an additional fee.
If the income payments are deferred to some later date, the annuity is typically described as a “deferred annuity.” If the payments begin immediately and continue for life, the annuity may be referred to as an “immediate life annuity.”
On the plus side, annuities provide another investment option if you’ve reached your contribution limit on your other retirement accounts, such as 401(k) plans. And, at retirement, the guaranteed payments can provide extra income. But, as with any investment, be aware of the potential pitfalls and make an informed decision.
Know the key features and costs of the product and make sure they fit your needs. Read the literature to understand the most important facts and risks, including the potential for loss, if any.
“A sales representative who talks to you about purchasing an annuity is required by federal law to ask you questions about your investment goals, current finances and future retirement plans,” said Kara Ritchie, an FDIC Policy Analyst who specializes in consumer issues. “If the representative doesn’t discuss whether the product is suitable for your needs and goals, take your business elsewhere.”
Experts generally say that annuities with guaranteed principal and income are more suitable for older investors than annuities that may, through market performance, lose value. The latter include variable-rate, deferred-payment annuities and equity-indexed annuities (those tied to the stock market), which might not make sense for many investors close to or in retirement.
Also, before you sign a contract, make sure you understand the cost of getting your money back early. Many investors with variable annuities are surprised to learn that they must pay hefty “surrender charges” if they try to withdraw money early, cancel their contract, or replace an existing annuity with a new one.
Deal only with a competent, reputable sales representative. Most annuity sales representatives are trained professionals. However, there have been reports of sales representatives who have been poorly informed or have used false or misleading tactics to sell annuities. How can you improve your chances of getting good advice?
Work with a sales representative licensed by your state government’s insurance regulator. If the sales representative offers variable annuities, he or she also must be licensed to sell securities. For information on whether a sales representative is properly licensed or has a history of disciplinary problems, contact your state securities regulator and the National Association of Securities Dealers, a self-regulatory group for the securities industry.
“Annuities are generally sold on a commission basis, so it’s important to find a sales representative who puts your interests ahead of his or her own,” added Ritchie.
Proceed carefully before replacing an existing annuity with a new one. A sales representative may suggest investing in a new annuity paying a higher return or replacing a deferred annuity with an immediate life annuity to provide monthly income now instead of later. These actions may make sense for some people. However, it can be expensive to change annuities. Make sure you consider the contract terms as well as early withdrawal penalties and other charges prior to making a change.
What if, soon after purchasing an annuity, you have “buyer’s remorse” or find another annuity with better terms? Your annuity may have a “free look” period during which you can cancel without penalty. If yours doesn’t and you still want to cancel, determine all the surrender charges and penalties and proceed with caution.
Those with fixed incomes or living on their retirement savings are often looking for a safe, low risk place to invest their money. They will often turn to annuities, which are sold through insurance companies. Basically, an annuity is a contract between you and the insurance company that provided for tax-deferred earnings.
There are several insurance guarantees that come with annuities, including the option to “annuitize,” or turn the principal into a lifetime stream of income. However, the fees are often quite high, and the earnings are taxed as ordinary income, not long-term capital gain.
The FDIC does not insure annuities, even if they are sold through a bank. The safety of your principal depends on the financial strength of the annuity provider. If the company fails, you might have $100,000 of coverage by your state’s guaranty association. But these associations operate under state law and vary on what they cover and how much they pay.
With a fixed-rate annuity, you pay the insurance company a certain amount of money. The insurance company then guarantees you a certain periodic payment for the life of the annuity. This is often a way to se up a lifetime stream of income. The insurance company’s goal is to invest your deposit and make more money than they have promised to pay you.
There are often higher interest rates on annuities than on CDs. But fixed rate doesn’t mean the same thing for annuities as it does for a CD. With a CD, the rate is fixed for the full term of the CD. Fixed-rate annuities do not have a maturity date. The rate is usually only guaranteed for the first year. The rate will then drop after the guaranteed period, and then be adjusted annually.
There may be penalties charged if you withdraw money during the penalty period. You may have to pay an 8% penalty if you withdraw money during the first year. After that, the penalty is usually decreased by 1% each year.
Annuities have tax-deferred features, so if you withdraw money before the age of 59, you may have to pay a hefty 10% penalty to the IRS. The earnings on annuities are taxed as ordinary income by the IRS no matter how long you have invested.
Variable annuities offer investors unique features, but they are quite complicated. They combine the elements of life insurance, mutual funds and tax-deferred savings planes. When you invest in a variable annuity, you select from a list of mutual funds to place your investment dollars. Your options may include balanced mutual funds, money market funds and several international funds.
Variable annuities have tax-deferred benefits, and they have income guarantees that you don’t find in other investments. For example, for a fee, your variable annuity will pay a death benefit.
Let’s look at how this works. You invest $100,000 in a variable annuity. In a few years, the value of the mutual funds in your account has fallen to $75,000. If this was a straight mutual fund, your heirs would only receive the $75,000. With this annuity, your beneficiaries are guaranteed the $100,000 if you pass away. If you have opted for the death benefits, the market value of the annuity may be as much as $125,000. Your beneficiaries would receive this amount.
Taxes are imposed in the same manner as for fixed-rate annuities. The earnings are taxed as ordinary income. You do not want to use the annuities inside of your 401(k) or IRA. These plans are built for accumulating money on a tax-deferred basis. You don’t want to pay the higher costs of an annuity when you can invest in a mutual fund that benefits you at less tax expense.
There are instances when variables are a good fit. If you’ve already reached the limit on your other retirement savings vehicles, you might investigate a variable annuity. You aren’t limited in the amount you can invest in an annuity. Many allow you to convert your investment to an annual income stream, for a slight fee. The insurance company will guarantee that you will receive income payments for a certain period or for life.
A CD annuity is a fixed-rate annuity with a guaranteed rate that matches the penalty period. For example, you buy a five-year CD annuity at 4%. If you hold the CD for five years, then you will receive the 4% annually. If rates rise, you are already locked in at the lower rate.
Insurance companies developed CD annuities to help prevent insurers from making empty promises to continue to pay a high interest rate after the guaranteed period. Rates were falling, and customers were not getting what they expected. Customers began to pay a penalty to get out of the investment.
There are usually higher interest rates offered on CD annuities than on traditional CDs. The investment is tax-deferred, but if you cash out your five-year CD before the age of 59, you will pay a 10% penalty on the gain to the IRS. Many contracts will allow you to take up to 10% of the balance or up to 100% of the interest annually without any insurance company penalties charged.
The surrender charges for a CD-type annuity are like those of fixed-rate annuities. There is no FDIC coverage on the investment. Some CD annuities have escape clauses in which the company penalty is waived if the customer allows the payments to be made over a five-year period or longer.
The private label bottled drinking water is a growth industry with double digit growth and profit opportunities for the entrepreneur. But like most opportunities care must be taken to seek out and exploit the most profitable niche in the market.
A recent market study examined the growth and potential of the market for bottled water and concluded:
“The bottled water industry grew about 10% in 2005, while carbonated soft drinks revenue is essentially flat,” says Gary Hemphill, marketing director of BMC. “There are a couple of things driving the market sure, people like to have a tap water substitution, but it’s really driven by people’s demands for a healthier alternative to the wide array of beverages on the market.”
Private label water is the fastest growing segment of the overall bottled water market and its future growth is considered by many to be explosive.
Private label water combines the purity of refreshing drinking water with consumable advertising that is designed to an individual customer’s specification. The water is popular and the branding message, if designed properly, serves to promote business.
Almost every company in the United States can benefit from private label water with a custom branding message. The opportunities are huge, the market is largely untapped and the private label product is viewed by customers as a cost effective, power way to promote a brand message.
The bottled water industry consists of several interrelated parts including research and development, manufacturing, marketing and sales. Much of the business model, however, requires significant amounts of capital and has high barriers to entry for most entrepreneurs.
Nevertheless, with the advent of the internet and e-commerce, an aggressive sales focused entrepreneur can develop a substantial profitable private label business through affiliate programs.
What Are Affiliate Programs?
Affiliate programs are revenue sharing programs between an entrepreneur and a company that manufactures and sells a product or service. Affiliates are rewarded with referral payments for sending customers to the manufacturer’s Web site. The process works as follows:
The affiliate place links on its site to a manufacturer’s Web site.
When a visitor clicks on the link and makes a purchase the affiliate earns a referral fee that is a percentage of the total sale.
The best manufacturer sites have automatic payment mechanisms and real time accounting.
But an efficient affiliate site requires planning and work. Many affiliates believe they will be able to just put up a Web site, establish some affiliate links and sit back and wait for streams of cash to start coming in. Care must be taken however to be truly successful. Consider the following:
What type of Web site should you have to make money through affiliate programs?
What are the best programs for your site?
How will you effectively market your site and the underlying product?
How can you find niche markets?
Similar to other facets of developing a home business, careful planning is needed to map out a profitable strategy for building a home based business using affiliate programs – a strategy that will allow you to build income through content in a sustainable, month after month way.
The issue is what are the steps required to develop an income producing web site using affiliate programs that generate consistent, substantial revenue?
Tip Number 1: Align with a Manufacturer That Produces A Quality Product with Unique Features and Manages a Robust Affiliate Program.
As any good salesperson will tell you, a high-quality product is mandatory for sales success. Look for a company that manufactures (resellers add little value) a quality product that is recognized as different in the marketplace. There are many types of water in the market, but purified water is clearly recognized as the highest quality.
After identifying a manufacturer with a quality product offering, chose one with a robust, profitable affiliate program. This should include at a minimum:
commitment to affiliate success
commission plans that are substantial
a website that allows for easy ordering and accrual and payment of commissions
support for marketing, selling and booking of orders
Tip Number 2: Identify a Niche Market and Create a Plan to Penetrate That Niche Deeply
Avoid the tendency to mass market and shoot at the flock. Mass marketing is beyod the scope of most companies and entrepreneurs. There are many profitable niche markets that have significant growth potential. Identify a niche market, understand the buying patterns of that niche and penetrate the market. It takes time and work but done right this effort is very profitable.
Some examples of niche markets: hotels (small and large), health spas, golf courses, gyms, car dealerships, organizations and health clubs to name a few. Almost any organization is interested in promoting their brand and brand message in a cost-effective way.
Tip Number 3: Create an Eye-Catching Website With a link to The Manufacturer
One of the advantages of an affiliate program is that profitable business can be developed with only a nominal investment. Given today’s technical level of internet development expertise, creation of an attractive web site is easy and cost effective. The critical part of the website however is the creation of a focused message presented in an attractive manner.
Following the creation of the site, establish a banner link with the chosen manufacturing partner that will direct affiliate inquires to the site for order creation and booking of the affiliate commission.
The manufacturers site must be able to design and produce labels, provide powerful e-commerce facilities for order booking and shipment and include a facility for the booking and payment of commissions to the affiliate.
Tip Number 4: Create and Implement a Sales Strategy
A clear sales strategy is the most effective path to success and profits in the private label business. Identify in writing the target niche, strategy to penetrate that niche, buying patterns, target prospects and communication material (sales collateral) and tactics to sell targeted prospects. Then implement the strategy in an organized manner and adjust the strategy as conditions change. Remember the old sales adage Always Be Closing.
Tip Number 5: Follow Up on All Orders and Provide Feedback to Customers
As part of any effective sales effort, follow up and feedback with and to customers is critical to maintaining good customer service and obtaining repeat orders. One of the most powerful aspects of private label water sales is that happy customers tend to be repeat customers. Creation of a long customer list with satisfied customers will generate a steady stream of repeat orders and significant cash flow.
Here’s the scene: A couple dozen professionals at a big advertising agency quietly type away at computer screens near each other, in an open room devoid of office walls and partitions.
An occasional laugh punctuates the silence. But no one is talking. They are communicating with one another almost exclusively through instant messaging (IM).
“When I’m visiting this firm, I can’t help but notice this [lack of people talking]. Seems odd to an outsider, but this is now pretty much their corporate culture,” says Helen Chan, analyst for The Yankee Group, a US-based technology research group, who has friends at the agency.
A technology designed initially for one-on-one personal chats has reached the workplace. Many businesspeople are choosing text-based Instant Messaging over phone calls and email. They prefer its immediacy and efficiency in getting real-time information from partners, suppliers and colleagues working remotely.
Instant messaging is essentially the text version of a phone call. At businesses large and small, more and more people are using it to communicate. For many, it serves as a backstop for e-mail problems and other emergencies witness the spikes in usage after the Sept. 11 terrorist attacks.
The Wall Street Journal notes that more than 100 million people are now sending instant messages. In a report, “IM: The Sleeping Giant,” technology consultant Gartner Group predicts that by 2005, instant messaging will surpass email as the primary online communications tool.
That said, IM will benefit businesses that work in teams or on projects more than it will many retailers, independent professionals and others. That’s because IM enhances collaboration but does not lend itself to opening new relationships. However, aside from the opportunities for time and cost savings, there are risks and downsides to its use.
Whether you’re a business owner or an avid IM user, or both, here are 10 instant messaging do’s and don’ts.
1. adopt a user policy for instant messaging. If you’re an owner, your employees need to know whether you view instant messaging as an appropriate vehicle to communicate with, say, customers or business partners. Any policy should contain at least general guidelines for its use. You may not think this is important unless you know the story about the hedge fund manager who caused a major commotion by allegedly using IM to spread inaccurate rumors about a publicly traded software company. (Word got out, the software company’s stock plunged, and the hedge fund manager and his company got into some serious trouble.)
2. Don’t strong use instant messaging to communicate confidential or sensitive information. Take a lesson from the above example. If your company is in the business of providing professional advice regarding stocks, finances, medicine or law, chances are it’s not smart to do so through instant messaging. IM is better suited to quick information about project status, meeting times, or a person’s whereabouts.
3. Do – strong organize your contact lists to separate business contacts from family and friends. Make sure your employees do the same. Eliminate even the remote possibility that a social contact could be included in a business chat with a partner or customer or vice versa. MSN Messenger[link] lets you organize your contacts carefully.
4. Don’t allow excessive personal messaging at work. Yes, you make personal phone calls at work, send personal emails, and allow your employees to do the same. But you encourage them to keep it to a minimum and (hopefully) do the same yourself. For instant messaging go even further. Urge that personal chats be done during breaks or the lunch hour or that the chats generate new customers or revenue to the business.
5. be aware that instant messages can be saved. You may think IM is great because you can let your guard down, make bold statements, chastise a boss, employee or co-worker, and have it all wiped away from the record when you are done. What you aren’t realizing is that one of the parties to your conversation can copy and paste the entire chat onto a notepad or Word document. Some IM services allow you to archive entire messages. Be careful what you say, just like you would in an email.
6. Don’t compromise your company’s liability, or your own reputation. The courts may still be figuring out where instant messages stand in terms of libel, defamation and other legal considerations. It’s likely that any statements you make about other people, your company or other companies probably aren’t going to land you in court. But they could damage your reputation or credibility. Be careful what you say.
7. Do be aware of virus infections and related security risks. Most IM services allow you to transfer files with your messages. Alexis D. Gutzman, an author and eBusiness consultant, says her recent research for a book found that IM file attachments carrying viruses penetrate firewalls more easily than email attachments. “Instant messages [carrying viruses] will run and dip into a firewall until they find an opening,” she says. You’d be wise to learn more about the quality of your own firewall protection, to decide whether to restrict transferring files through IM.
8. Don’t share personal data or information through IM. Even if you have the utmost trust in the person or people you are messaging, including personal information you’d rather keep confidential (like a phone number) is not a good idea. That’s because the text of your chat is relayed through a server in route to your contact. “If anyone is on the connection and can see that traffic, they can see the personal information,” says Chris Mitchell, lead program manager with MSN Messenger. Not likely, perhaps. But it’s better to send such info through an encrypted email, or not at all.
9. Do keep your instant messages simple and to the point and know when to say goodbye. How you should use IM is hard to stipulate. Kneko Burney, director of eBusiness research at Cahners In-Stat Group, prefers it simply for seeing if a colleague is at his or her desk, available for an in-person or telephone call. “It’s like peeking into someone’s office.” Gutzman, on the other hand, sees IM to do quick research and get fast information from consultants and even lawyers. She recently used IM in researching a book, saving entire messages in her personal archives. Both agree, however, that you must limit your inquiry, get to the point right away, and avoid unnecessary blather. “With instant messaging, you don’t need a lot of pleasantries,” Gutzman says. “I pretty much can say, ‘How’s it going?’ and then get on with my question.”
10. Don’t confuse your contacts with a misleading username or status. IM usernames, like email usernames, should be consistent throughout your company. And users should do the courtesy of updating their status throughout the day, so contacts know whether they are available for messages.
Social media marketing, simply explained, is using social media networks to drive website traffic, increase sales and build your brand by connecting with your audience. You do this by creating great content, interacting with your followers, running ads, and analyzing the results.
In general, there are two types of people. Those who like to take charge, who want to lead and command, and who are willing to take responsibility for their actions. Then, there are those who are a little timider, and a lot more reluctant to blaze their own path; they’re happy following the crowd.
The idea of being mere passengers on a ship meant to sail to the farthest points does not appeal to people who like to put their destiny into their own hands. Such are the kinds of people who are destined to excel in a home-based business such as Affiliate Marketing. Even if they don’t already possess the five “must have” traits to become hugely successful as affiliates, they’re predisposed to being able to acquire these traits more easily than the average Joe.
They have the desire to maneuver the ship themselves, of being able to be the ones to take it anywhere they want to. Being aboard a ship on its way to a particularly great destination is something each and every one of them dreams of, and the knowledge that they have the power to steer it themselves is what makes them actually want to do it.
Maybe this is the reason why more and more people are turning to one of the most popular businesses around, affiliate marketing. It’s because in this business, there are no bosses cracking their whip to order the employees around.
There are no deadlines to meet and no piles of work to be finished by day’s end. In order to succeed in this fantasy-like perfect business, you need only be armed with the necessary tools.
Just what are the things needed to be able to succeed
in affiliate marketing?
What kind of drive must you have within yourself to be
able to do well in this industry?
There is a lot of competition in affiliate marketing, and to be able to rise above the norm and get propelled forward, you must be equipped with just the ‘right stuff’.
There are five essential things you can’t do without if you want to achieve glory in this business. Let’s have a look at each of them in detail.
A DESIRE TO LEARN
The very first quality you must possess is the desire to learn, along with the willingness to be trained.
Treading through unfamiliar territory is scary stuff, if you’re lacking in what I like to simply call the proper equipment. This is a combination of the right mindset, the appropriate attitude, mixed with a pinch of a strong work ethic.
As a beginner, you must be willing to keep your eyes and ears open, using the experience of others to learn the tricks of the trade as you go along.
One of the best ways to do this is by frequenting Forums that specialize in Affiliate Marketing, reading other members’ posts and asking questions yourself. Devour everything that pertains to getting ahead in this business; the equivalent of an MBA degree is available to you in these Forums – and, at just the right price. There’s no substitute for this kind of hands-on-learning.
INVEST TIME AND EFFORT
The second quality one must possess is the willingness to invest time and effort in growing your business, even if direct results don’t seem readily apparent. Although weeks may pass by without good news, it’s important for anyone who has his/her foot in the business to hold on and wait.
Resist throwing in the towel prematurely. This is the core quality that will help keep you on course despite any discouraging setbacks you may run into.
The third quality you must possess is an unblinking determination. If you want to conquer the affiliate marketing world, you must have the ability to push yourself ahead. The ability to motivate yourself into scaling greater and greater heights will determine the kind of future you create.
Never knowing when to quit is an attribute that each beginning Affiliate Marketer needs to have in bunches. In fact, in any endeavor, this persistence that screams to the world “No, I won’t budge!” is what distinguishes the winners from the also-rans.
YOU MUST BE DISCIPLINED
The fourth quality you must have is self-discipline. If you teach yourself to work every day with all the energy your heart can muster, then you’re closer to achieving whatever goals your mind can conceive.
Once you start to slack off, the whole house of cards you’re building begins to shake just before it crumbles. There’s no room for ‘goofing off’ when you’re running a home-based business.
THE QUALITY OF OPTIMISM
The fifth and last quality you must possess is optimism. Negative attitudes, whether your own or someone else’s, should never discourage an affiliate marketer from pursuing his/her dreams in order to make life better for himself, and for everyone else who matters to him/her.
Your attitude toward the business should always be proactive, because you must realize that you’re the captain of your own ship and the master of your destiny.
The ingredients that lead to success in a business such as affiliate marketing are diverse and manifold, but the most important thing anyone needs to make it big lies in yourself alone.
It’s that very desire which burns in your heart that’s the fuel which will keep the engine going.
Affiliate marketing is all about putting your fate into your own hands. The right attitude is the key to being able to steer your ship into that part of the ocean where serenity and smooth sailing can be found at last.
Affiliate Marketing is one of the best ways to make money from home and affiliate programs provide anyone with internet access a chance to make a living on the internet. Affiliate programs are usually free or very cheap to join, easy to get started and typically pay commissions on a regular basis, so more and more people are turning to them as a means to start a home-based business. However, there are a few mistakes affiliate marketers tend to make that hurts their business tremendously.
Avoiding some of these common mistakes made by affiliate marketers should quickly and easily improve your chances of making sales and increase your affiliate commissions. Here are five of the top mistakes made by affiliate marketers:
1) Not researching the affiliate program before your start promoting it
It really is amazing just how many affiliates grab the first affiliate program that comes there way or signup simply because it has a high commission rate or promote it just because every other marketer is promoting it. If the program does not compliment the overall theme of your site, you will find it difficult to convince your visitors and subscribers to purchase the product. Why would they want it if it does not have anything to do with the area you are targeting?
2) Not using your signature file correctly
Many affiliates add a signature file to all of their out-going email messages and forum posts, but they do not do it correctly. Twenty lines of text full of affiliate links to a bunch of different products is not considered a good signature file! In fact, it can very easily be considered spam. Try keeping your signature file under five lines with an attention grabbing or intriguing first line and overdo it on the links.
3) Not writing your own ad copy
There’s nothing worse than seeing the exact same advertisement all over the internet or in email messages from ten different marketers. How much perceived value will your message have when it arrives, and the reader is seeing it for the tenth time? Take the time to tweak the ad to suit your target audience and subscribers before sending it out. Personalize it to make the ad your own so it doesn’t even seem like an advertisement anymore.
4) Not paying for your own domain name and hosting account
Even novice internet users can tell a free hosted site when they see one. It’s very unprofessional and suggests to your visitors that you haven’t made any money online and probably don’t know what you’re doing. If you haven’t even taken the small step towards setting up your business properly then how can your visitors trust you? Less than $10 a year for a domain name at GoDaddy.com and maybe $5 per month for a small hosting account won’t break your bank account. In fact, it will probably help to add to your account in the long run.
5) Not capturing your leads before you send them on to the affiliate product site
If you spend your time and money marketing to get someone to click on one of your affiliate links then they leave the product site without purchasing, what have you gained? Nothing! You have just lost the time and money it took to get that one click-through in the first place. Set up a squeeze page so you can capture your lead’s email address before you send them on to the product site. That way if they don’t buy you can follow up with them later and try again (and again and again and again). This can be priceless!
Now that you know these five affiliate mistakes to avoid you should be able to make more sales and increase your affiliate commissions by a significant amount. So get out there and become the super affiliate marketer you always knew you could be!
Can you see yourself walking down the street at your favorite location looking and feeling great? Or as you stroll down the beach and you notice people glance over their shoulders to admire your beautiful ripped abs that belong to you. Feeling so confident in yourself that your vacation seems perfect like a dream. You pinch yourself and realize that you have arrived.
Everyone in this green earth would love to have six pack abs and be fully healthy. Can everyone archive this goal? Yes. We people where created for excellence so yes, anything is possible. Although some may find it difficult to reach personal goals, anything is possible if you have an optimistic and positive outlook on life.
“Life is not fair” We can begin our day very positive, but by the end of the day if you are not fully focused of your objective and constantly thinking of your aspirations you can be a victim of procrastination. We as humans tend to enjoy the path of least resistance. Justifying our excuses and having procrastinations of our objectives. Nobody said that being discipline was easy. As a matter of fact here are some examples of things we tell ourselves unconsciously that keeps us from hitting our goals: “I would love to work out, but I don’t want to be sore for tomorrow’s barbeque.”, “I will have a free day this weekend therefore I will stuff my face with cookies and milk.”, “I love the gym, I just don’t have time to go anymore.”
The interesting thing is that we make ourselves believe such things. When it is just bogus. The secret to success is not overworking but being in control of your thinking and outlooks in life. Whether you are looking to lose a few pounds or get in shape for bodybuilding competition, please under any circumstances don’t let yourselves of any excuses. Here are some helpful mindsets that will help when you get back on track when you feel you are buying your excuses:
One: Always tell your friends and family about your goals. Telling your acquaintances about your goals is great. Some will take you seriously and some won’t. But the reasoning behind this is that they can help you be on track. When you are genuine with people, they respect that, and sometimes are willing to help you out.
Two: Setting goals with a partner or friend. Often having a workout partner or a dieting partner will make things better for everyone. Besides a little competition, a little encouragement from a workout buddy makes a huge difference. Pick someone that you enjoy being with and someone that you know will help you when you feel a bit down on yourself. Friends are incredible at picking one up and making us feel great.
Three: Writing down your aspirations and visions. Get a notepad right this moment, and jock down all your goals and aspirations. On a piece of paper make a line down the middle. In one side have your “goals” and the other have “aspirations” example. Goal #1 Lose 10 pounds this month. Aspiration #1 Lose 10 pounds so I can buy a new pair of jeans, and so on. Make sure they are in detail and try to make them very personable. Soon you will develop these mental changes that will change your life forever subconsciously. Also Take note of the times you are at your lowest in energy and pull out your sheet and read those to you out loud. Might sound kind of weird but it works. Professional athletes do it every day. Why not you?
Getting in top shape is harder than it looks. It takes discipline and full commitment. Its rewards are priceless and the amount of confidence you get when you are watched or check out is amazing. Or even if you simply just want to live an incredible healthy lifestyle and carrying on that mindset to your family and kids, is worth it. Stay focused, stay in the fight and we will see you in the beaches of the world sporting your ripped abs.
The lot of a modern businessman is a stressful one and there is always so much to do. It would take a pretty compelling set of reasons to convince a successful businessman (or even an unsuccessful one) to add something else to an already packed schedule, so why would he even think about regular Yoga classes. In this article we examine the three main benefits of Yoga and how they apply to the busy businessperson.
Benefit Number One: Physical Health
All business-man’s goal is to become wealthy isn’t it? Have you ever heard the saying that your health is your wealth? Believe me it is true. No matter how much money you have you cannot benefit from it if you are dead and personal health is often neglected in today’s busy corporate world. But the question is not whether one can afford the time for exercise to become healthy; it is whether they can afford not to. Health is a shifting scale – you are not either healthy or dead. It’s important to think about how much your level of health affects your work. A healthy body will allow you to concentrate more, work harder and increase the time you spend productively.
Yoga is the perfect way for a businessman to look after their physical wellbeing. Because the exercises are so incredibly low impact, they can be performed even by the most out of shape person, and the more regularly they are performed the better that person’s health will become. Yoga is a very efficient method of releasing tension and stress. During a workday certain blockage develop around the body and many of our vital organs do not get the full amount of oxygen and nutrients that they need to function at peak efficiency. Yoga stretches different muscles groups in certain ways that will lead to these blockages being released and the blood flow bringing the bodies organs all the oxygen and nutrients they need.
Yoga’s health benefits are both immediate and long term. In the short-term blood flow is increased and the body functions better because it is achieving the nutrients it requires. Tension is also released from muscles and the bodies lymphatic system can more effectively deal with waste products. In the longer term these will be ongoing benefits and the digestive system will also function more efficiently, which has innumerable health benefits. The general balance, co-ordination and flexibility will also be greatly enhanced.
Benefit Number Two: Mental Health
Have you ever considered the importance of a breath? We know that when someone stops breathing, they die, and even this simplistic understanding should tell us how important it is to breath. But breathing properly is often ignored. It is vital not only for the numerous health benefits, but also for the strong mental advantages it allows us.
Yoga sessions will usually begin with a standing, breathing exercise. The simple process of taking in a deep breath and releasing it slowly is incredibly calming and the basis of the breathing exercises that are a vital backbone to the Yoga discipline. The key to this breathing is that it draws our attention to the one simple action of breathing. We become very aware of the life-giving benefit of a deep and controlled breathing cycle and can achieve a level of calmness that we often don’t seek out in our everyday lives. That calmness itself is a stepping-stone to achieving focus.
The ability to focus is probably the single most important primary skill in a work environment. There is always so much going on around us and so much that needs to be done that it is difficult to focus on the single task we are doing because of the multitude of things ‘in the back of our mind’. Regular Yoga teaches techniques to quickly clear the mind of all these other distractions and then focus our mental efforts on a single task. It is also a great provider of personal discipline. The self-discipline that is learned from focusing on the body and becoming master of oneself is a key benefit of Yoga.
Benefit Number Three: Happiness
Happiness is a goal that is often sacrificed in the short term in exchange for some mystical point in the future when everything will come together and be okay. Yoga doesn’t move you any closer to that mystical time, but because you develop such a strong sense of self and connection with yourself, it is common to become more content with your current situation. You will find that the more you practice Yoga the more you will be comfortable spending time alone as well as amongst other people. Your sense of self-worth will increase, and you will perform better in social situations. This is perhaps the most important gift that Yoga will give to you.
Credit cards are now the norms everyone uses it. They are the safest way to make payments to the sellers this method carries no risk of theft or anything else.
However, one must realize that with credit card shopping that you must make your payments on time and with the due amounts you cannot afford to miss one thing in this. One thing that can make payments of credit card debts easier that is credit card debt consolidation.
Being in debt is like being in a mess you have no control everything looks out of order and if you are in debts by the means of credit cards then the situation is even more difficult to handle. Creditors to whom we owe to keep making derogatory phone calls all the time and there seems to be no way out.
If you are looking for a way out, then the best one would be through credit card debt consolidation loan. By taking a credit card debt consolidation loan all the debts that you have taken will be consolidated into one from single creditor, which can then serve you with the following benefits:
It is easier to pay to a single creditor than to pay to multiple creditors.
While you pay to the multiple creditors you have to be totally on the mark making sure that every creditor is paid on time and the due amount otherwise you get a fine with credit card debt consolidation you can avoid that.
Your new creditor will offer you terms to your liking, which would include lower interest rates and lower monthly installments.
With credit card debt consolidation, you would not have to interact with your old creditors, therefore those annoying and disturbing phone calls would be stopped.
If you are a person who does not have a good credit score and you are also caught up in the credit card debts then you can also use the credit card debt consolidation all you need to know is your credit score.
Credit card debt consolidation is available in both secured and unsecured forms i.e. with or without a security to the borrowers; depending upon their affordability they can choose the option best suited to them. You can apply for these loans either by going online or by applying to your local creditors subject to the requirements the loan will be approved in a reasonable time.
Debts can accrue on anyone but what we must make sure about is that they do not get out of control and their adverse effect is not intensified. Credit card debt consolidation has been introduced so that people can use them to eliminate their debts.
Aging of the skin is a natural process by which the collagen and elastin, that keep our skin looking firm and youthful, begin to decline, this results in wrinkles. Cell production and cell quality also diminish over time resulting in wrinkles. These factors unfortunately are out of our control, though diet and supplements can slow down the process, but it won’t stop it.
The influences that are within our control are largely environmental such as pollution (e.g.; smoking) and sun damage. Here are 20 easy ways to reduce wrinkles and slow down the aging process.
1. Stop smoking (Its #1 for a reason)
2. Always wear sunscreen whether its cloudy or sunny and don’t sunbake.
3. Hydrate your skin by drinking about 8 glasses of water a day.
4. Use skin care products that contain antioxidants and AHA’s.
5. Moisturize the skin on your face twice daily.
6. Reduce stress. (Try reading, exercising, meditating) 15 minutes a day is a good start.
7. Reduce alcohol consumption. Overindulging can put enormous strain on your system and will accelerate wrinkles forming.
8. Eat healthily by incorporating plenty of fruits and vegetables in your daily diet.
9. Sleep at least 8 hours every night.
10. Eat fish three times a week. Great for the skin and general health.
11. Check with your doctor about taking supplements, your diet may be lacking some of the important ones.
12. Use an eye cream for the delicate skin around the eyes nightly.
13. Facial scrubs remove the buildup of dead cells that can increase the appearance of wrinkles, try this weekly.
14. Use natural skin care products that will nourish your skin and give it lots of vitamins and minerals to help it stay fresh and healthy.
15. Jojoba oil resembles the skins natural oils. Dab this around the eyes to keep wrinkles at bay.
16. Take vitamin C supplements and use products that contain vitamin C, it will help boost your collagen.
17. Start a good skin care routine in your 20s. Prevention is easier than the cure.
18. Honey is known worldwide for its beneficial abilities. Use a honey mask weekly. Simply apply the honey to your face and neck and leave for 30 minutes then rinse off. This mask will “feed” your skin with nutrients.
19. Aloe Vera and Avocado oil both can prevent the skin from drying out; they are both used to improve the skins elasticity.
20. A soothing way to help achieve a wrinkle-free face is to lie on your back with your knees elevated by placing a pillow or cushion beneath them.
Try this when you are watching TV or reading.
Do you know what does it takes to become a successful Affiliate Marketer? Could you tell me the essential ingredients of an affiliate marketing success story? Is there a shortcut to Affiliate Marketing glory? All these of these questions play around in the minds of affiliate marketers who want to make it big in this business.
If you are anything like I was when I started out; excited and all set to make my fortune as an affiliate marketer and yet not knowing where to start you may have to say what I said, “I don’t have a clue!” If you are new to affiliate marketing can I tell you something? There are some essentials that you must know, or you will waste an incredible amount of time and money.
Although affiliate marketing is touted as one of the easiest and most effective ways to earn money online, it is not as easy as it sounds. The wise affiliate marketer plans every action and executes it the best way he can. He should also maximize the potential to earn by utilizing the right tools necessary for a successful Affiliate Marketing business. We have consulted some of the most successful affiliate marketers in the business and below are the top three necessary tools for a successful affiliate marketing business.
Important Tool #1: Your Own Website
The most important and indispensable tool in Affiliate Marketing is your own website. The first step in any successful affiliate marketing business is building a good, credible and professional looking website. Your website is the jump off point of all your marketing efforts. Thus, you must first build a user-friendly website, which will appeal to your prospects and encourage them to click on the links to the products and service you are promoting and make a purchase. Therefore, you must first concentrate your efforts in building a website that will cater to what your prospects need.
Important Tool #2: Quality Content
One of the most powerful tools for building quality content for your website is writing relevant and informative articles. Consider this, almost all web users go online to look for information, not necessarily to go and buy something. Above all else, make your website full of original, relevant and useful content. People will love articles that are appealing and helpful. Keep in mind that, on the Internet, content is still king and good quality content will not only build your credibility, it can also help you achieve a higher search engine ranking. By posting relevant and useful articles, you establish yourself as a credible expert in the field, making you a more-trustworthy endorser of the product or service you promote. Establishing a good reputation on the net is a good step in building loyal customers and articles help establish credibility.
Important Tool #3: Incentives
Competition is extremely tight in the Internet world. You must always be one-step ahead of your rivals to ensure that you capture a significant share of your target market. Therefore, you must use every possible means to encourage people not only to visit your site but also to click and proceed to the websites of the products and services you are promoting. Building an opt-in email list is one of the best ways to gather prospects. Offer a newsletter or an e-zine. Better yet, offer incentives to your prospects to encourage them to subscribe to your newsletters. You can present free software, access to exclusive services and other freebies that will be helpful to your prospects.
Important Tool #4: Link Popularity
The importance of driving highly targeted traffic to your website cannot be emphasized enough. The all-important web traffic is at the top of the list of the most important success vehicles in the affiliate marketing world. Attracting people to your site should be the first step you should carry out. Do what is necessary to achieve a high search engine ranking. Link Popularity is one of the factors that search engines use to determine search engine rankings. Therefore, to enhance your link popularity, you must have an aggressive link building campaign.
One of the best ways to do this – at no cost at all – is by submitting articles as mentioned above, with your website’s link in the resource box. Submit to related e-zines and free article sites. You will not only gain exposure, you will also advertise for free, just include a link back to your site. The more sites you submit your articles to, the better your link popularity is. Make your articles original, relevant and useful so that more websites will pick them up and post them.
These are but four of the many tools that an affiliate marketer can use to maximize earning potential. The possibilities are endless and are limited only by your imagination, creativity, resourcefulness and determination. You can always explore other ideas and adapt other strategies, which you think might help you become an affiliate marketing success.
Laptops are gaining in popularity these days. Almost everyone is carrying one now either for work or entertainment. Laptops with the latest technology are introduced to the market every day and these new laptops come with a huge price tag. However, that does not mean you cannot get a good and cheap laptop. I have put together a guide that may help you out in your hunt for a cheap and good laptop.
Buy cheap laptop with older technology
Rapid advance in technology makes it meaningless to buy the latest technology at a high price. When laptop with wireless capability first came to the market, a unit with this technology can cost up till US$2500. Now after 2 years, you can get a relatively fast Centrino laptop for less than US$1000
Buy used or refurbished laptop
The depreciation of a laptop value is so high, that after one year in the market, a laptop can easily lose half its value. So, if you are looking for a cheap laptop, look for one which is close to one year old. Not all used laptop is in bad condition. You will be surprised to find that some used laptops are still in good condition because their owners are power users or gamers.
Buy laptop from power users or gamers
I like to buy electronic gadgets including laptops from hard core power users or gamers. Let me share with you why. Gamers or power users usually require the latest and most powerful technology to run their games or power-hungry applications. They often will not settle for second best. They also have the tendency to chase after the latest technology. So, after one year, they will be bored of what they have and will look to sell off their laptops so that they can buy a new one. Now if you are looking to buy cheap laptops with up to date technology and you happen to have friends who are gamers, do ask them if they are looking to sell off their laptops. Who knows, maybe you can buy a good and cheap laptop from them.
Scan through gaming forums and local gaming community
if you do not already have friends who like to play computer games, then scanning through gaming forums on the internet is another way to get good and cheap deals for used laptop. Internet makes it easy for you to do this. Go to google.com and start searching for gaming forums. Visit each one and see if they have a Trading Section. You will find many posts from gamers looking to sell their gaming laptops.
Scan through local bulletin boards
Do scan through local bulletin boards near you for cheap deals on laptop. Especially if there are software companies around the area. Software companies do offer their used computers or laptops for sale when their software projects end. I personally had gotten a few good deals for my family and friends.
Look for cheap laptop with at least 512mb memory
This is especially important for used laptop. If the processor speed is slow, then having more memory can compensate for the lack in speed. In fact, the size of memory plays a big part in determining how fast a laptop runs an application. Just by increasing the memory size, you can see a huge difference in speed. A cheap laptop with at least 512mb memory can run most nongraphic intensive application easily.
Get cheap laptop from reputable manufacturer
This is very important because if you are buying used laptop, then the chances of requiring servicing is higher than a new laptop. So, if you buy from a reputable manufacturer, you will save a lot of trouble and time if your laptop do require servicing.
One of the easiest ways of starting an online business and earning quick profits is through affiliate marketing. With no website to develop, no product development to achieve, no refunds or customer problems to deal with, this is by far the most effective way of developing your online presence.
If you already have your affiliate products and you’re working at making more sales, an increase in commissions is the obvious goal of everyone. With more and more products hitting the online market, it’s essential to follow some simple yet crucial steps. So, what are they?
If you want your affiliate program commissions to take off, literally overnight, these are the steps you need to seriously consider;
1. Do your research and check out the programs you’re thinking about promoting. It’s obvious that you only want to promote a product that will give you the maximum paycheck in the shortest possible time.
The main factors to consider when doing this are obvious when you stop and think about them, but often, are not fully considered before putting your time and money into making your product pay.
Check the commission structure and make sure it pays well. Also, try to find products that match your target audience and are already paying well to other affiliates. You soon know when a program isn’t meeting up to its promises – that’s the time to reconsider its worth and move on to the next.
As you’re probably going to be one of many affiliates promoting the same product, especially if it’s a good one, establish your USP – or ‘Unique Selling Position’. Set yourself up as offering that little something extra that makes you stand out above the crowd.
Write a short article to give away as an incentive to potential buyers. This gives you both greater credibility and extra drawing power.
Give information that’s not only free, but useful. When you do this, if what you give away for free is good, people naturally expect a great deal more from the bought product. Make recommendations about the product within the report if you can and try to give just enough information to make people need the actual product.
2. When giving away free reports or eBook’s, save and collect, at the very least, the name and email addresses of all those who download your gift. It’s now widely known that very few people make a purchase on their first introduction to a product.
This is where an autoresponder is invaluable as you can create a whole series of follow up messages to send to these prospects to entice them into buying your product. Anywhere between 6 and 10 messages are needed to finally clinch the sale, so automate this process and capitalize on the free report.
Once you have these prospects details, they are yours until the person unsubscribes. This means that you can send them information in the months ahead about other products you’re promoting, long after they’ve bought the original item.
If you develop an ezine, you are in a perfect position to send more valuable, and occasional free, information to these prospects who now value you as a source of knowledge and useful recommendations. You develop a relationship with them, and they may stay with you for years to come. They begin to trust you and your recommendations and eventually, are likely to buy from you again.
3. Never underestimate the power of negotiation. Be prepared to haggle with a seller whose goods you wish to promote. Remember that all merchants need affiliates to market and sell their goods and will be more inclined to change their payment structure than potentially loose business if they see you as a good source of income.
Be bold and you could find yourself receiving a greater slice of the pie for all your advertising efforts. Don’t be greedy but be fair and you will be respected for it.
4. Use effective advertising techniques. ‘Pay Per Click’ will give you the most immediate results if you do your research right. Naturally, Google’s Adwords and Overture are the places to start, being leaders in the online PPC field. But, look around and research the smaller players who offer cheaper rates to a smaller audience. These include; ExcelSeek, JumpFind, LookQuick to name just three.
Ezine Top Sponsor and Solo ads can also give you a huge and quick return on your advertising buck with your ad being received by a responsive audience of your chosen market.
And as with any advertising campaigns – track your results. If you don’t know who’s clicking what, you’ll never know which ads are working.
Use these techniques and you’ll soon see an immediate improvement in your affiliate sales. Build on your successes and expansion and growth will follow.
Eye Shadow – Top 12 Tips on How to Apply It Perfectly
Your makeup is as important to your finished look as the clothing you wear, in fact, it can be more important. We’ve all spotted women who didn’t have a clue how to apply their eye shadow. But we’ve also saw women who know how to apply it properly and they look put together and beautiful. Don’t you want to be one of those women? Of course – and we are going to give you some top tips so you can do just that.
Great news – putting your eye shadow on correctly really isn’t difficult at all. It really is just a matter of finding the right technique and look for you and your personal style. Don’t worry if it takes a few tries to get it right. Check out these tips:
Always apply a base coat on your eyes just as you do to the rest of your face. Loose power works or you can apply your foundation to the eye area. It gives a nice even palette to work with.
Blend, blend, and then blend some more. I can’t stress this enough. Try an experiment. Blend one eye and then just use a brush and apply the other eye. You’ll instantly know what I’m talking about and you’ll never forget to blend again.
If you want dramatic eyes, take your eye shadow brush, dip it into water, and then into the shadow, then apply. It will give you a much deeper, dramatic color.
If you have blue eyes, wear purple, violet, taupe, gray, deep blue, and black. Funky colors include fuchsia, turquoise, and silver.
If you have green eyes, wear purple, plum, forest green, brown, and khaki. Funky colors include light green, gold, and bright purple.
If you have brown eyes, wear champagne, copper, brown, apricot, khaki, and beige. Funky colors include royal blue, tangerine, hand hot pink.
Everyone can wear navy, powder blue, and charcoal. Fun colors include silver.
Apply a lighter shadow in the inner corner of the eye to reflect and make your eyes look younger.
If you want your eyes to appear larger, use a light color on the inner corner, and a darker shade in the middle of the eye area.
Practice until you get the application of your eye shadow down to a science. When you get good, your make up will look more natural and more polished.
Apply your dark shadow only to the eyelids from the lash line to the crease in the eyelid. Apply your medium shadow from just below the eyelid crease to the brow bone.
Highlight along the brow bone. Doing it this way will make your features stand out naturally and beautifully.
So, there you have it. With these top tips you now know how to apply your eye shadow so you will look your best.
Remember that while you’re practicing all these steps, that you should take notice of what works best for you. Practice by yourself, or practice with a friend if you find it easier to ask someone else’s opinion.
And one more thing. If you make your face more youthful looking with wrinkle creams that gives results, then any make up that you have will be so much more effective.
So, go for it and get gorgeous right away!
So, you are thinking about marketing online, good idea. The easiest and most profitable way to start is Affiliate Programs. If you are willing to put a good bit of easy work into affiliate programs you can make a comfortable living. You will not need a college degree or anything like that. All you need is a willing mind. The main road to success is focused dedication and a lot of enthusiasm.
1. Affiliate programs may be the easiest online business to start running. although it doesn’t hurt to do some study so that you can learn from other people’s mistakes rather than go through them yourself. In addition, you are likely to pick up ideas that you wouldn’t have come up with yourself. There are numerous training products with great strategies to adopt. One of the best ways to do this is look at what people who have used the courses are saying in some of the popular Internet marketing forums.
2. These programs are a great way to get started in an online business. There are some ‘Super Affiliates’ who are making fabulous incomes from these programs. Affiliate programs allow you to sell another company’s service or product and make a commission on every sale or lead. You don’t even need to build a web site or handle the transaction. Your job is to drive traffic to your affiliate link.
3. An affiliate link is a special URL code that will identify customers coming to the company’s site from your advertising. It will be the web site address with a code attached to the end. Some programs also have tiers. That means if someone who is interested in selling the product comes through your link and signs up you will also get a small percentage of their earnings.
4. To choose a program You should research the popularity of some of your interests. Try to determine if people are buying that product or service online. There are many sources for finding that information including free ones, such as the Overture keyword tool. When you have found an area that is popular then type the subject along with ‘affiliate program’ into your search engine and see which
programs have services or products for that area. You can also use an affiliate program directory.
5. After founding a program that looks good you should check the terms of the program. Make sure that pay outs are not based on a high commission earning or you may never see your money. Also try to choose programs with high commission rates. Often you will find eBook’s and downloadable software has the highest rates as there is no physical product to make or ship. If you are satisfied with the terms, then you need to sign up.
6. The reason affiliate programs are so great for beginners is that you only need to focus on marketing. Many affiliate programs have information on how to market and give you tools such as banners, product feeds and more. You can also look for other information on marketing including writing articles, creating pay-per-click
campaigns, commenting in online forums etc. As you gain experience marketing you will adjust your selling and start creating a wonderful income!
Why many would-be online marketers are either? unsuccessful or only partially successful is because they lack focus. They jump from one strategy to the next without mastering any. In affiliate marketing, the key to success is planning and focus. Take one strategy and concentrate on it for a set period, maybe a
month. If it isn’t returning enough then look for an alternative and spend time developing it. If it is working, then look at ways of making it even better. Most people want to ‘get rich quick’ on the Internet and fail. To make real riches you need to have a strategy, look to the longer terms and stay focused.
The big boys in the computer industry want you to continue thinking the way you are. The major desktop computer manufacturers thrive on consumers lack of knowledge and old ideas about desktop computers and computer hardware to drive sales of new desktop computers.
It works in their favor to keep these myths alive, because their business depends on it. So, what are they?
Myth 1: You need top of the line computer hardware
Maybe some years ago this might have been true with older computer hardware, but times have changed. When computers were much slower than they are now, the latest version of any computer hardware increased speeds noticeably and allowed new possibilities from your desktop computer.
Those increases from computer hardware no longer yield such a huge increase in performance. With the basic uses of the desktop computer set and been in place for a while now, speed increases no longer result in real world benefits for most desktop computer users.
What was great computer hardware last year is still good enough now.
Myth 2: Computer hardware is the domain of Geeks
When personal computing was coming into its own, you really did need to be a Geek to know what was happening. For those old enough to remember, imagine life without Windows and hacking away at the command line, as used to be the case. Some still do, but I wouldn’t want to do that again.
Desktop computers are such commonplace that the basics of computer hardware can be understood and researched with the minimum of hassle. The ball is on the consumers side of the court. You no longer need to be a geek, just a little knowledge that is now readily available.
Myth 3: A faster desktop computer will speed up the Internet
Possibly. If you are running 5-year-old computer hardware this might be the case. But the real reason for the increase in speed is usually not the computer.
Internet speed is related to your connection speed. If you have a dial up connection, it’s going to be quite slow. When you upgrade your desktop computer and they throw in a cable internet, or DSL package the improved speed is from the faster connection, not the computer. Both cable and DSL can offer more than 10 times the speed of a dial-up connection. The computer has little to do with it.
Myth 4: To speed your computer up, upgrade!
New computer hardware is an obvious way to speed things up. Even I have gone for new parts purely for this reason.
But it’s not the only way.
Various factors play into overall speed. On a purely physical level, upgrading memory is still a fantastic way to get things to move along a little faster. But apart from this the main things that slows things down on the programs and other stuff you have on the computer.
Over time, as more programs are put on and taken off and changed, things get left behind, and things get forgotten. When your computer starts, many things get loaded into memory and each one of those takes that little bit more of the computer’s resources. When you switch to a new program and don’t remove the old one, the older one will still use resources.
Myth 5: Big brands are the best
Big brands essentially piece together a computer. They pick and choose the pieces to make a computer package. They also choose some software, give a warranty and then sell it to you.
Dell computer company has become well known for its customer service. This is the best part about Dell computers. The downside is there are limited choices. They pick what goes into the computer, which are often quite expensive parts. They are motivated by the suppliers to put more recent parts into their computers, keeping the prices at the same level and maintaining the “to get more, pay more,” mentality.
You don’t have the power of these big guys, but you have something more. Choice.
Your pick of parts for your desktop computer will allow you to put together something completely tailored to your needs. Put the money where you need it most, into the computer hardware that makes the biggest difference to you, and in the end getting a desktop computer you will fall in love with, rather than despise.
If you’re using the NTFS filing protocol on your system, instead of FAT32, you can get a bit more speed by disabling Windows Indexing. The downside to this is that searching your drive for a specific file might take a moment or two longer, but everything else should run faster.
To disable this feature, open My Computer and then right click on the drive you wish to reset usually C-drive. Now click on Properties and then uncheck Allow Indexing Service. It will take Windows a few moments to accomplish this task, based on your processor speed. If you have other hard drives, perform the same process for them. After this is done, it’s a good idea to empty the Recycle Bin and then Defragment your hard drive(s).
If you have a system and it does not have an office suite, such as Microsoft Office, and you don’t want to pay several hundred dollars to have one, try Open Office. This is a great alternative to other suites, and its free! Simply direct your browser to http://www.openoffice.org and follow the instructions for downloading and installation. Make no mistake, this free office suite is an extremely powerful set of software tools easily a match for any competitor.
Internet Explorer (Microsoft Internet browser) is unarguably the standard in computers. Therefore, hackers develop so many malware applications to invade it. If you use a different browser, you have much less chance of an invasion by malicious software. There is a great alternative available, and it’s free. You can download a copy of Firefox at http://www.mozilla.org/products/firefox. You can even move your Internet Explorer settings into Firefox automatically, so you don’t lose your Favorites, etc.
Laptop Printer Fix
If you’re using a laptop that is running Windows ME, and you’re having trouble printing through the USB, try this simple fix. Go to the website for the company that manufactures your printer. If you use a Hewlett-Packard, for example, go to http://www.HP.com and download the appropriate drivers and install them. ME has drivers that recognize the USB printer is present and attached, but not the drivers needed to make it print. Which drivers you download, and install will be dependent on your printer. After installing new drivers, update the printer as necessary in the Control Panel.
Save $$$ When Shopping On-line
If you’re making a purchase on-line, and you know the item you want to buy, you can easily compare pricing across the Internet. This can amount to a very substantial savings.
At this writing, I went to http://www.mysimon.com and typed in that I wanted to buy a printer: a Canon PIXMA iP4000. The service instantly checked the Internet and returned prices ranging from $62.00 up to $286.00. This kind of price spread is not at all unusual, especially for computers and electronics.
The My Simon website service only checks pricing, it does not provide a platform for purchasing anything, though it does link to such places. It also gives a rating for the sellers and other users input regarding their experiences with the company. You can order the results of the search for your product by price, so that you can quickly find the lowest price from the highest rated dealer.
Windows XP Professional Only
A feature of Windows XP Professional, that is not available in the Home Edition, is the ability to encrypt files. This encryption prevents others from opening the files in the folder you encrypt. To encrypt one or more a folder, follow these easy steps.
Click Start, then My Documents. Now locate the folder you wish to encrypt and right click on it and choose Properties.
On the General tab, click on Advanced. Put a tick mark in the box for Encrypt Contents to Secure Data. Click okay two times and the confirmation dialog box will appear allowing you to select the folder, the folder and all files, and/or the subfolders within it.
Now you’ll be able to place files in this folder (or folders) and since they’re encrypted, others will not be able to access them.
You should never reveal your username or password to anyone who e-mails you and asks for it. This information is frequently asked for by an Internet scheme called phishing.
In a common phishing scam, you receive an e-mail that looks quite official. It usually appears to come from a bank or credit card company. A common title for these e-mails is We need to verify your account information. Another is Please logon to your account and verify your settings. If you do click where instructed, you’ll end up on a site that appears to be the real one. If you fill in the username and password for of your on-line banking account, you can expect serious problems within twenty-four hours.
If you believe that a company or business that you do on-line business with really does require your information, then simply contact them. This way, you will know where you are sending your information, and what it will be used for.
CD Burning Error Fix
Burning music, video, and data CDs has become quite popular over the past few years, and the evolution of the supporting technology has yielded hardware and software that is better than ever and very reasonably priced. CDs offer a great place to store substantial amounts of data in a small, easily retained format. They also give us new control over aspects of our entertainment.
A relatively common error received during CD burning informs you that the CD cannot be burned, or that there was an error during burning. Of course, you could have a defective CD drive, but this is usually not the case.
If you receive a message indicating that your CD cannot be burned, go to the website of your CD drive manufacturer. Look for the list of CD types (manufacturers/numbers) that are compatible with your device. Most often, you’ll find that your CDs are not listed. The two types that seem to have the least difficulty being burned are manufactured by Sony and TDK. These cost a bit more, but they burn very reliably.
Along the same lines H-P has introduced a new CD burner. This new burner requires the use of special CD blanks, but after you burn your data into the CD, you can flip it over and close the drive again. Then you can use the laser to burn a title for the CD directly onto the CD itself. Its new technology, but perhaps it will catch on and we’ll see newer, better such devices soon.
By Cheryl Mustian
Every affiliate marketer is always looking for the successful market that gives the biggest paycheck. Sometimes they think it is a magic formula that is readily available for them. It is more complicated than that. It is just good marketing practices that have been proven over years of hard work and dedication.
There are tactics that have worked before with online marketing and is continuing to work in the online affiliate marketing world of today. With these top three marketing tips, you will be able to able to increase your sales and survive in the affiliate marketing online.
What are these three tactics?
1. Using unique web pages to promote each separate product you are marketing. Do not lump all of it together just to save some money on web hosting. It is best to have a site focusing on each product and nothing more.
Always include product reviews on the website so visitors will have an initial understanding on what the product can do to those who buys them. Also include testimonials from users who have already tried the product. Be sure that these customers are more than willing to allow you to use their names and photos on the site of the specific product you are marketing.
You can also write articles highlighting the uses of the product and include them on the website as an additional page. Make the pages attractive compelling and include calls to act on the information. Each headline should attract the readers to try and read more, even contact you. Highlight your special points. This will help your readers to learn what the page is about and will want to find out more.
2. Offer free reports to your readers. If possible, position them at the very top side of your page so it they simply cannot be missed. Try to create autoresponder messages that will be mailed to those who input their personal information into your sign-up box. According to research, a sale is closed usually on the seventh contact with a prospect.
Only two things can possibly happen with the web page alone: closed sale or the prospect leaving the page and never return. By placing useful information into their inboxes at certain specified period, you will remind them of the product they thought they want later and will find out that the sale is closed. Be sure that the content is directed toward specific reasons to buy the product. Do not make it sound like a sales pitch.
Focus on important points like how your product can make life and things easier and more enjoyable. Include compelling subject lines in the email. As much as possible, avoid using the word free because there are still older spam filters that dumps those kinds of contents into the junk before even anyone reading them first. Convince those who signed up for your free reports that they will be missing something big if they do not avail of your products and services.
3. Get the kind of traffic that is targeted to your product. Just think, if the person who visited your website has no interest whatsoever in what you are offering, they will be among those who move on and never come back. Write articles for publication in e-zines and e-reports. This way you can locate publications that are focusing on your target customers and what you have put up might just grab their interest.
Try to write a minimum of 2 articles per week, with at least 300-600 words in length. By continuously writing and maintaining these articles you can generate as many as 100 targeted readers to your site in a day.
Always remember that only 1 out of 100 people are likely to buy your product or get your services. If you can generate as much as 1,000 targeted hits for your website in a day, which means you can make 10 sales based on the average statistic.
The tactics given above does not really sound very difficult to do, if you think about it. It just requires a little time and an action plan on your part.
Try to use these tips for several affiliate marketing programs. You can end maintaining a good source of income and surviving in this business that not all marketers can do.
Besides, think of the huge paychecks you will be receiving
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Before plunging in and dissecting the three most important tools you’ll need to succeed in Affiliate Marketing, let me first list at least some of the questions which any hopeful affiliate marketer worth his/her salt should want answered before even considering entering this profitable field.
1. What does it take to become a successful Affiliate
2. What are the key ingredients of an affiliate marketing
3. Is there a shortcut to Affiliate Marketing glory?
These are the kinds of questions that play around in the minds of hopeful affiliate marketers, and I’ll do my best to answer them in this article.
Although affiliate marketing is touted as one of the easiest and most effective ways to earn money online, it’s not as easy as it sounds.
The wise affiliate marketer plans every action and executes it the best way he can. Having the right tools can spell the difference between becoming a major success story, or winding up beaten and penniless, as many do.
It is vital that the potential affiliate marketer accept the fact that only by using the right tools will his/her Affiliate Marketing business become a profitable venture.
We have consulted some of the most successful affiliate marketers in the business in this regard and they have generously revealed what are, in their opinion, the top three Key Tools for a successful affiliate marketing business. Straight from them to you, these are discussed below.
Key Tool #1: YOUR OWN WEBSITE
The most important and indispensable tool in Affiliate Marketing is having your own website. The first step in any successful affiliate marketing business is building a good, credible and professional looking website.
Your website is the jumping off point for all your marketing efforts. Thus, you must first build a user-friendly website which will appeal to your prospects and encourage them to click on the links to the products and services you are promoting (and, hopefully, make a purchase).
It is vital, therefore, to focus your efforts on building a website that will cater to what your prospects need.
The most important thing you should always keep in mind is that almost all web users go online to look for information, and not necessarily to buy something. Above all else, make your website full of original, relevant and useful content.
People love articles that are appealing and helpful. Remember that, on the internet, content is king, and good, quality content will not only build your credibility, it can also help you achieve a higher search engine ranking.
By posting relevant and useful articles, you establish yourself as an expert in that field, making you a more trustworthy endorser of the product or service you promote. Establishing a good reputation is a tremendous step in building up a loyal customer base.
Key Tool #2: USING INCENTIVES
Competition is extremely tight in the internet world. You must always be one step ahead of your competition to ensure that you capture a significant share of your target market.
Therefore, you must use every possible means to encourage people not only to visit your site, but also to click and proceed to the websites of the products and services you’re promoting.
Building an opt-in email list is one of the best ways to gather potential prospects. Start your own newsletter or ezine.
Then, offer value-added incentives to your prospects to encourage them to subscribe to your newsletter. You can give away fr.ee software, access to exclusive services, a fr.ee eBook, or even fr.ee access to any product you may have tried to market in the past which didn’t sell well – this could be your own product, or one to which you have resell rights.
The fact that it didn’t sell well for you doesn’t mean that your prospect won’t find it a valuable gift…particularly, when it’s fr.ee!
Key Tool #3: LINK POPULARITY
The importance of driving highly targeted traffic to your website can’t be overemphasized. The all-important web traffic is at the top of the list of the most important properties in the internet world. Commit this to memory.
Attracting people to your site should be your first, and foremost, order of business. Do everything to achieve a high search engine ranking. Link Popularity is one of the factors that search engines use to determine search engine rankings.
Thus, to enhance your link popularity, you must launch an aggressive, no holds-barred, reciprocal link campaign.
One of the best ways to do this, at no cost at all, is by submitting articles with your website’s link in the resource box to e-zines and article directory sites. This will not only bring exposure, you will also have the opportunity to advertise for fr.ee just by including a link back to your site. The more sites you submit your articles to, the better your link popularity can be.
Work diligently to make your articles are original, relevant and useful, so that more websites will pick them up. It’s impossible to put a price tag on the exposure these efforts will bring you.
There you have them…
These are but three of the many tools that an affiliate marketer can use to maximize his/her earnings potential. The
possibilities are endless and are limited only by your imagination, creativity, and resourcefulness.
And, it goes without saying, you’re encouraged to explore other ideas, and adapt other strategies besides these, in order to help you become a high rolling, well paid, affiliate marketer.