Online Biz Talks: December 2008

How 360 Degree Feedback Works And How It Can Benefit Your Group

By Theo Benmanson

We all like to get positive or constructive feedback and when it is delivered in the right way it can really benefit both the individual and the business. Even so, with evidence to support this idea, it is the fact that people do not receive feedback that is considered to be the major contributor to their decision to leave their workplace, so it really is important to provide feedback to your employees. It is a wise decision as it allows you to find out where employees may require support or skills development to enable them to raise their performance levels.

So, why is 360 degree feedback used? It has been generated from the requirement to provide an increase in frequency and quality of feedback to employees. This is in addition to the annual appraisal where the employee visit's the manager's office to be given a summary of their strengths and weaknesses.

Historically, it has been the manager's role to provide feedback and, due to increasing workloads, the manager's feedback has been scant at best. What 360 degree feedback does is widen the circle of feedback providers to include peer evaluation, direct reports and self evaluation. The end result of this process is that the individual has access to a comprehensive report that allows them to compare their own perceptions of their work to those of their close associates. Once they have this report, a performance coach will assist them in making any necessary adjustments through a targeted improvement plan.

There are a number of benefits with 360 degree feedback: when individuals have a greater insight into their strengths and weaknesses they are better able to manage their careers as a result of making improvements to interpersonal skills and building upon leadership skills and the employer is able to take advantage of having a highly skilled, experienced team of employees whose productivity and quality of work is high.

What are the key elements of a successful 360 degree feedback process?

There are six of these elements.

1. The senior management has to take ownership of the process and be supportive of its realisation. As well, employees have to obtain the necessary skills to be able to provide feedback that is useful. The most important factor is that the managers should be prepared to utilise the skills they have acquired in the provision of coaching if and when it is required.

2. All surveys that are given must have a relationship with the mission statement of the company and the skills for which the company is searching and should consider the skills that are needed to obtain both individual and company success.

3. Everyone concerned with the process must attend a 360 orientation. At this orientation they will be informed that 360 is merely a developmental tool and should never be used in performance appraisal. Confidentiality is also stressed to make sure that all involved are comfortable with the process.

4. A questionnaire or survey is completed. The majority of these surveys are completed online with special encryption software that allows for secure data collection.

5. Once the surveys are completed, they are collated in the form of a report and given to the individual. The format of the report should be easily accessible. A group summary report is usually presented to the senior management in which numeric ratings are tallied which reveal strengths and weaknesses within the group. This then provides information that is useful in deciding upon any relevant training activities.

6. If any coaching has to be completed it is given to those who require it. A good coach stays impartial and is concerned with helpful and realistic goal setting. It is possible for managers to become involved in coaching as it has the ability to reinforce skills that have been attained and guarantees that they remain accountable.

So, how can this benefit your organisation? It all depends on how much you are willing to put into the process. The degree of change is directly related to the amount of feedback given and to the level of support that is provided. 360 degree feedback can be a very potent tool to engender the feedback required to make those changes in your organisation.

About the Author:

Theo Benmanson has been instructing personnel for that last 15 years. He has written many articles on the topic. Click the links for additional articles on 360 degree feedback. Or visit his website at www.engauge.co.uk.

Women Are Important, We Need Your Opinions

By Hailey Gates

Are you a stay at home or work at home mother trying to make ends meet? Women just like you get paid taking surveys for major companies on a regular basis. It's a fast way to make a few extra dollars - and those dollars can add up fast! Most attractive of all, you can do it from the comfort of your own home.

Who does most of the shopping in this world? Moms like you. You have to handle the day in, day out, seemingly mundane selection of the products that keep your homes running smoothly. You probably have your own list of favorites - the ones you feel are the best value for the money, and offer the best results.

There is a staggering amount of money spent by marketing companies annually to research what people buy, and what they are going to buy a year from now. They are perfectly happy to add stay at home moms to the roster of people getting paid to take surveys. This gives them information on what products sell best, and why.

Signing up with a few major survey sites online is the fastest way to find surveys to take. You shouldn't be asked to pay money to sign up - the survey sites will already be getting a kickback for providing the companies with people to take the surveys. You are supposed to being paid by them, not the other way around!

All you need to get registered is an email address (preferably a new one) and a little spare time! Make sure you use a new password as well - NOT one that is linked to any important information. This will keep you insulated in case a site you are registered with has a security issue.

After you go through the registration process, watch your new email inbox for a confirmation email. Check to be sure it is from a site you signed up with before clicking on the verification link - links from sites you have never heard of should NOT be clicked on as they could crash your computer! Once you have been verified with the survey site, prepare to get paid taking surveys!

Surveys sites will normally ask you to fill out profiles so they can match you to an appropriate demographic. Once you have completed these, you can start getting paid taking surveys! Just watch for emails notifying you of a new survey, login to the survey site and complete the questions given. It's that simple!

You might not make a huge amount per survey at first, but if you complete every survey you receive you will become known as a serious survey candidate and you will start being invited to participate in the more lucrative surveys. Continue to respond in a professional, timely manner, and you will continue getting surveys to take for a long time!

About the Author:

You can get paid to take surveys, but never ever pay anyone for a list of survey companies that pay you for surveys. It's a little known fact that the list of paying surveys is free if you know where to look. I'm giving away the list for free here: www.SurveyMoneyMachines.com

Own a Business? You Should Use an Advanta Business Credit Card

By Caressa Waechter

Credit cards come from many different issuers, offering different incentives to entice you to choose their card. There are rewards cards, cards that give you special treatment at restaurants and the such, and cards that show your allegiance to a particular sports team. If you look hard enough, you probably can find a credit card that matches every personality.

As a business owner, you really should be using a credit card designed with the needs of the entrepreneur in mind. You may not be so interested in the perks of a normal consumer card, but rather you want and need a credit card with business benefits. There isn't the wide selection of business cards as there is for consumers, but there are still a good selection.

When it comes to a credit card for entrepreneurs, they are available from big card issuers, and include Visa, MasterCard, Discover and American Express branded cards. Most cards tailored to business let you track expenses of individual card holders and other business specific items. With a business credit card, you have a lot of control over their use.

You should make sure you get a business credit card from a company that understands an entrepreneur's needs. Advanta is a company that knows what the small business owner needs, as they only issue business credit cards.

Advanta only business is issuing credit cards for business, so they are quite good at this. Because they only offer a product for business owners, their credit card products are designed with the entrepreneur in mind.

I have used an Advanta credit credit in my business for several years and have been extremely happy with it. If you need a credit card for your small business, I couldn't more highly recommend Advanta.

When you decide on a credit card for your small business, pick a financial product that is designed specifically for the requirements of entrepreneurs. Always go with the best credit card for your particular situation, as this means you are using the best financial tools available for your small business.

About the Author:

Author Caressa Waechter owns her own business and thinks every smart business owner needs a Advanta card. To learn more about business credit cards, especially the Advanta credit card, please visit her website.

Credit Cards To Rebuild Credit

By Dan Moskel

A credit card can help you rebuild your credit score. This card will help your ratio of available credit to debt and you can build a positive payment history.

When you have a damaged score you will be faced with a sub prime interest rate. This means you will have an interest rate around 19%.

You should still make efforts to remove derogatory items off your credit report. However it is rumored that once a derogatory item ages four years it will not impact your score as dramatically.

On your card you will have to pay an annual fee and a high interest rate. Unfortunately this is an unavoidable cost, however with proper use you can ensure this is the last time you will have to pay high interest rates.

You credit limit will be approximately $300. The other option is to get a secured credit card, however your credit score will not receive the same benefit.

A secured card works like this; you deposit money into a bank account with the credit card issuer and they give you a credit card with the amount of your deposit as your credit limit. Your card will work just like an unsecured card; you will have monthly due dates and minimums to pay.

Both of these cards offer online approval. However before you apply for any card double check and make sure that card does report monthly to all three bureaus.

In addition your credit will get the most benefit if you can keep your monthly balance at 10% of your credit limit. For example if your credit limit is $300 then you want your monthly balance to be $30.

This will show the bureaus that you use your credit, and you use it responsibly. In addition having this new line of credit will improve your ratio of available credit to debt. This is a very important factor when your score is calculated. It is the bureaus method of checking to see if you are in over your head.

There is one other option that we strongly discourage and that is a shopping or catalog card. This is a credit card that is only able to make purchases through a catalog or a website online. We discourage this option because there is often a large down payment required and the card typically only reports to one credit bureau.

A prepaid debit card is another option. We suggest this option to individuals in chexsystems because it will work just like a bank account.

In sum we suggest you open a sub prime credit card for your credit score to get the most benefit. This card will help improve your score by creating a positive payment history and improving your ratio of debt to available credit.

About the Author:

We suggest the Tribute Credit Card an unsecured credit card or you can see a review of the Orchard Bank MasterCard a secured card by visiting us.

Use a Virtual Office Phone to Improve Your Customer Relationships

By Caressa Waechter

The phone is one of the most basic forms of communication we have today. Everyone has a telephone and everyone uses a telephone daily. Whether you use it in your business or just for personal use, the phone is a vital part of your daily life.

As a small business owner, the telephone most likely serves as your primary way for customer interaction. It is of vital importance that your phone service works in harmony with your business and doesn't cause you a lot of grief.

One of the best, and most affordable, ways of making your existing phone service work harder for you is to use a virtual PBX service. This will allow you to have your telephones work more efficiently, while improving customer relations.

A virtual PBX phone service works in conjunction with your current telephone lines to vastly improve the communication features of your current business telephone service. A small business PBX telephone system gives you a phone system that functions like that of a large corporation, and can only cost you pennies a day.

By utilizing one or more toll-free or local main telephone numbers, a virtual office phone auto attendant receives an incoming call using a virtual auto attendant, or virtual secretary, and then routes the calls to the relevant employees or departments. Adding to these features are a fully customizable voicemail system and complete Internet faxing capability. This all adds up to one incredibly powerful and flexible phone system.

Being very affordable, with prices starting at under $10 each month, a virtual office phone gives your business an advantage over your competition by making your business perform like a much larger business. And with the ability to transfer inbound phone calls to any functioning telephone, no matter where it is located, a virtual phone service gives your existing telephone service much greater adaptability than it currently posses.

The ability to have customer calls follow you, regardless of your location in the world, is just one of the many advanced features you will benefit from when you use a virtual PBX service. The powerful telecommunication features you will have at your fingertips will amaze you.

When your business depends on the phone to be an important communication tool, using a virtual PBX will greatly increase the efficiency of your current phone service. Take advantage of the free trial periods offered by many virtual phone services and see for yourself how much better off your business would be if you were to use a virtual PBX solution.

About the Author:

As a small business owner, author Caressa Waechter realizes how important a reliable phone service is, which is why she loves her virtual office phone auto attendant. To find out if a PBX system is right for you, please visit her website.

Minnesota Moms Can Be Earning Moms!

By Kristin Ross

Every year, hundreds of people visit trade fairs and festivals all over Minnesota and get to purchase the work of simple housewives and hobbyists. Surely, you've visited one of these events. Have you ever wondered how it would be like if you were the one selling the products of your talent? Surely, you've considered that you can do better.

There are so many events and conventions where you can showcase your talents in arts and crafts all over Minnesota. Surely, you've wandered into a few. There, talented people like yourself show off and sell the products of their time and dedication to their art, and are getting rewarded for it in money and recognition. There's no reason why you shouldn't be the same.

The only trouble is, where to start? Here's where: the Minnesota trade fairs and festivals database. With this resource, you are instantly in on the events happening in your area, and all over Minnesota! With the ease of a mouse click, you can find out when the next chance to showcase your talent will be, and act accordingly.

What is that, you might ask. The Minnesota trade fairs and festivals database is a means for you to get your schedule set. It is a list of all the events relevant to your craft - where and when they will happen. With it, you will be able to plan ahead, which is as important as the day of the event itself! No matter what your craft is, knitting, crochet, or even gardening, the database will help you out.

The Minnesota trade fairs and festivals database show you when and where, but also other details that you might appreciate at more than a need-to-know basis. Judging criteria, fees, themes, and other prerequisites can get in the way of your new career if you're not informed. The database contains all of the information at the click of the mouse.

So save yourself much hassle and avail of the Minnesota trade fairs and festivals database so you can start earning from your hobby immediately. The sooner you plan out your grand entrance, the sooner you can plan for the encore! Decide and start now, that's all you need to do. The Minnesota trade fairs and festivals database will handle the rest.

About the Author:

Know the crucial dates for Minnesota craft shows so you can get in! Check the registration fees, schedule your life around the craft shows in Minnesota. With the MN craft shows, you'll turn your hobby into a small business in no time!

Blogging To Ease Life's Circumstances

By Russell R. Hughes

The life of a human is not an easy road. There are many upheavals and a person's lifetime is dotted with various colors of emotions. You learn from your mistakes and often figure out that if you'd listened hard enough, you wouldn't have missed an opportunity or made a certain mistake.

It doesn't really matter what - whether you're simply going shopping and need a bargain, or you're expecting your first child and you really want to do everything right, everybody can use a few good tips.

The world of internet is flooded with blogs that promise to give correct information about your problem. These blogs will lay a complete picture of the ways and methods other people have acquired and acted. You can choose from any of the procedures or you can mix and match them.

These blogs can be about anything, from direct advice on simple things like how a little dollop of jelly turned a dessert into a magical treat or something more serious like how your workaholic attitude could ruin your middle-age. The important factor here is the information's relevance to your own situation.

The blogs are not simply about things you can learn or get advice from, they can be fun and interesting too. Hobbies to engage in if you are stressed, activities for relaxing and pranks to play on people who make your life miserable and such things can be found in these blogs.

There are many situations that can put you in an embarrassing position. Something like - criticising the dress sense of your acquaintance to your friend while she is standing right behind you. Meeting your new girlfriend at the same restaurant where you ex-girlfriend is meeting her new date! Basically, blogs discuss about all the awry situations possible in our lives. They will give you tips to wriggle your way out through the awkward circumstances.

You could get tips on how to get that annoying stain out of your favourite shirt, and tips on how you can make your kitchen counter gleam. When you get all this information, it's only fair that you give some back.

Every person has certain adventures to share. Thus even you might have some information that is useful to people around you. It may change their lives to a positive direction. Don't keep this information to yourself - spread it. The best way to let others know is by writing for blogs.

About the Author:

If you are looking for something different to read, then check out this great blog. Packed with interesting articles including golf, property and finance, it's a must read if you just sitting there and need a little lift..

What Is Managing Performance?

By Jerry Brown

Managing Performance is the procedure of appraisal of progression, of an organisation, towards a preferable goal. It is the measure, research and optimisation of tools to provide a service at a level that has been agreed upon by both party's. It focuses on the delivery of service.

The basic thought that is behind performance management is a process through which the management joins the people, schemes and schemes, to maximize both effectiveness and efficiency so to turn in the sought-after results. Simply put, the statement implies, doing the right things and doing the things correctly. That is, an up-and-coming establishment should include one scheme that comprises leaders, and the other that insists on reaching quality.

An effective performance management in an organization can accomplish leadership skills that can be elevated aboard attitudes, interpersonal accomplishments and behaviors. This is a primary aspect of managing performance as it aids in keeping on and maintaining individuals who embody the basic human capital of the establishments. as they are the ones responsible for the implementation of the principal designs of the business enterprise.

It is extremely principal for a business enterprise to have a secure, performance management. It should be able to employ the schemes, individuals and strategies actively, for the winning execution. This would further result in an addition in the sales and a greater profitability that would in all likelihood not be accessible, if the process was not implemented.

With an efficient performance management, business concerns will boom like ne'er before. It is an exceedingly important process of business management, that is used by directors of people, as an active tool, that is employed by them to fulfill the objectives of the establishment.

Performance Management may be able to accomplish the next business concerns objectives: The missing link between Dreams and effects: Today, businesses are more and more conscious that it is ordinarily not their scheme but the united effort and abilities of their employees to enforce the scheme that makes all the difference to their successful commercial enterprise. Therefore, it becomes the duty of top level directors to fill in the crack between the missing links of ambitions and results, by motivating their employees, through management of their performance.

To grow the potential of an establishment, in order to reach its scheme, it is critical that the organization grows and creates the potentialities of its employees. Impressive people management is the only key to improve the businesses functioning.

The most fundamental purpose of Performance Management is to increase the strength of the employees. This should be done, in order to improve the performance of the business concerns.

Managing Performance is linked up with paperwork, tough conversations and bureaucracy, and is consequently frequently put away as a chore no one wishes to do. Nonetheless, Performance Management is a procedure that involves people and directors, that use the process on a regular basis, to grow their strength towards the employer's organization.

About the Author:

The more you know the better decisions you can make, like the topic of balanced scorecard performance. Join us management performance.

The Greatest Viral Marketing Idea of All Time

By Jim Spence

I saw a sales page dealing with Viral Marketing. The author made some claims that made me skeptical. Then I started reading about a new Viral Marketing Idea which was about as different as anyting that I had ever seen.

This viral marketing strategy starts with the e-book being given away for free without even asking for your e-mail address or name. That is almost unheard of in modern Internet Marketing.

Affiliate Marketing is one of the most popular ways of making money online. There are thousands and thousands of products that you can promote and sell. Many products have a generous percentage given to the affiliate. Some even 70-100% of the cost to the consumer.

Once the niche and the product are chosen, other related and associated products are found which have resale rights attached to them.

It used to be that you MUST be listed high in the Search Engines. Not anymore with this strategy. All marketing is done in a viral method. Free items are ALWAYS given away as an inducement.

You want to promote your affiliate products in a low key style by weaving the links to your affiliate products throughout the document.

Once you have completed the article, you will give this article away for free to many ezine publishing sites. The distribution will be viral.

This strategy will work even better than e-books with articles. Articles can be written in massive numbers and easily distributed. The article can pre-sell the e-document.

To study this strategy, it is suggested that the free e-book be downloaded and analyzed in detail.

Jim Spence

Master-Affiliate-Pro.com

About the Author:

The Most Amazing Viral Marketing Idea Ever. Soon to be one of the Top 10 Affiliate Marketing Strategies. Get a totally unique version of this article from our article submission service

Making Money Online - Sifting Through the Hype

By Joe Carrey

When I began my internet marketing online experience, I made the big mistake of starting with affiliate marketing building someone else's mailing list. The training material was fantastic, very detailed and comprehensive. After a couple of months working through the training and building up the business, I finally realized that I was primarily building a good business, for someone else. I can't imagine how many subscribers' I provided. I am quite sure I made a great positive impact on his affiliate marketing business. Wow, what a learning experience!

If you are like me, and have been trying to make money on the internet, you may have a dream of quitting your day job to give you the freedom and independence to spend more time with your family. Or maybe to just make money to have more security in these economic times. It may be likely that the majority of those reading this haven't been successful making money on-line and/or actually building a business.

You can find about any kind of product you're looking for online. If you have money available, you may find that paying for advertising for your product or service works for you. If so, by all means go for it. But if you don't have a lot of money to start with, and can't really afford to pay per click or expensive traffic strategies, then start building a mailing list. I have to admit I liked PPC advertising and kind of became addicted to it! But I was losing money by the truckloads, so I obviously did not have the skill or knowledge required to competently use it. You'll find all the "gurus" say the money is in the list and they're so right. In this competitive market, I truly believe that list building is critical, and the money really is in the list.

What do I mean by building a list? It's a process where you collect names and email addresses from people interested in how you can help them. Whether you have some great service, such as ways they can obtain free targeted traffic to their business, or other high value information or product to help them become successful, they will appreciate you and become loyal, if you are for real. Making money online is a business and should be treated like one. In other words, you need to provide something of value so you establish a long-term relationship with your customer.

Building a list and over-delivering value to that list is the path to success. By connecting with a mentor that does just that is what I have done. Alex Jeffreys is no guru, just someone that has been extremely successful, and his List Building With Alex product is what got me started on the right track to be successful online. His product was free and it provided value, not just another ebook to file away!

Internet marketers are everywhere and the "gurus" have made a ton of money, I guess! Much of it from people who lacked focus, like me, and have hopped from one supposedly hot program to the next without having much follow through on any of them. It's easy to get caught up in all the hype and find yourself consistently spending money. The one thing that I eventually did to help me focus and stop believing every hyped up sales page is to identify the few genuine successful internet marketers and become a student. I was cautious though, as there are many claiming to mentor, but offer nothing more First Alert notifications so they can keep you program jumping exclusively through them.

What do I mean by building a list? It's a process where you collect names and email addresses from people interested in how you can help them. Whether you have some great service, such as ways they can obtain free targeted traffic to their business, or other high value information or product to help them become successful, they will appreciate you and become loyal, if you are for real. Making money online is a business and should be treated like one. In other words, you need to provide something of value so you establish a long-term relationship with your customer.

It is my experience that list building and helping your customer's succeed is the key to succeeding and thriving online.

About the Author:

If you want to learn how tobuild a mailing list grab your free training guide here.

Leathercraft Secrets

By Ethan O. Tanner

Leatherworking can be a lot of fun, but if you are just starting out, it can prove to be quite a challenge. There are many items that you can craft when leatherworking. These items are great to sell at flea markets, online, eBay, or in a yard sale. You may even choose to give these items as gifts throughout the year for various occasions. Here is a review the basics of leatherworking so that you can get a start on that long list of projects.

Leatherworking usually only requires a few basic tools for beginners. You will want to purchase a ruler, or measuring tape. The next thing that is required is a pen, pencil, or marker that will be visible on the leather so that you can draw the desired pattern. You will also want to purchase a knife, leather shear or some type of special sharp object to cut the leather as you are working with it. Lastly, you will want to go to a craft specialty store and purchase needles that are designed to work with leather. Once you have all of your basic tools, the next step is to purchase the leather.

When purchasing leather, you may want to do some research and shop around a little. If you are looking for cheap leather, it is best to shop at local thrift stores and flea markets. Most leather purchased at these various types of venues are great in quality, and low in price. This is the best way to shop for leather when you are new to leatherworking.

If you go to a craft specialty store, or a leather store, you will find that leather ranges in cost based on type, thickness, and overall weight. This can prove to be more costly as leather is sold by the square foot. There are many online places to buy leather, and if you know the basics of leather you may find good buys in leather.

Once you have purchased all the supplies that you will need for your project, you must determine the best methods of making sure that the pieces are bound together. It is essential that you do not use pins and other types of products to bind your material as these things often leave a type of scarring on the material. However, you can use mild glue or clips in order to bind the leather together so that you can work with it easily.

Once you are ready to craft the project, you can choose to sew or lace the thread onto the leather. If you choose to sew the material, you should only use a sewing needle intended for leatherworking. These types of needles cut as you sew and make it quite easy to finish your leather craft project. You can also choose to lace your leather craft project. Basically, you simply make holes at equal intervals all the way through the piece of leather and then lace the thread in and out.

There are many different kinds of stitches that you can use when crafting leather. You can select from a saddle stitch, a running stitch, a cross stitch, or a whip stitch. It is best to find what works for you and the leatherworking job that you are working on.

About the Author:

Author Ethan O. Tanner explains the rewarding hobby of Leather and Leather working shares his craftsmanise on how to purchase leather craft supplies and leather

You Can Make Money Online With Clickbank Affiliate Products

By Richard Steaney

If you have a home business opportunity, you first need to find an area where you can promote a product or service. As you try and find this area of specialization, you will realize that you can generate personalized products for people who are zealous about a specific concept.

The best option for you would be to go through your system and dedicate your time to set up an Internet home business that will be consistently profitable. Some of the fundamental ways to set up this system should have information on how to:

- find the right niche market

- create a product or service customized to the needs of this market.

- create a website that will allow you to collect leads

- cake your profits to the bank

This works no matter your level of expertise, and it will maintain a consistency that most people only dream about. It starts with the basics, giving you the four basic principles of all successful businesses.

It's easier to find an existing need and fill it than it is to try to manufacture one where it does not exist. Ask yourself what the needs of your target market are and how you can best fill these needs with a product or service. The best way to go is to market a high quality product with a proven track record.

In today's high-speed state of affairs, it is best to start with affiliate marketing. This is because it has a good track record and most people know about it. You can become an affiliate in a short period of time.

A product which has basic resale rights let you sell the product to consumers for their own personal use, while master resale rights allow you to sell these products as well as the right to sell this product to someone else.

Affiliate marketing is a far easier business to get into - You go into an agreement with a merchant, who will give you banner ads and links to place on your website. For every visitor to your site who goes on to the merchant's site and makes a purchase, you'll receive a commission.

Of the two types of products, affiliate marketing is the easiest. Because there are usually a lot of affiliates promoting a specific product, brand identity is high. When you resell a product, you were pretty much working alone making brand identity is lower.

When using the Clickbank affiliate program you will want to pick a product or service that already has a good track record. In this way, you will be cutting down on the amount of time it takes for people to recognize the product and for sales to start rolling in. If you have a product that is geared to a certain niche market where people are passionate and looking for information, you can choose either product type - affiliate or resale.

You can merge affiliate marketing with a product resale. You should put your best effort and implement a system that will see you through to being an affiliate marketing magnate. With reselling products, you can make quick profits with our modus operandi.

About the Author:

Richard Steaney uses the Recession Proof Techniques and he recommends it to create a healthy income online. Grab your FREE Affiliate Manual to sky-rocket your online business. Get a totally unique version of this article from our article submission service

Declining diesel cost possible trend in transportation solutions

By Larry Emsweller

If you have ever heard the old saying "better to be lucky than smart", you can't help but think of the recent decline in world diesel prices and what is going on in the mind of the transportation manager. This could be a real cost saver to the industry and definite transportation solution even if it was a stroke of luck.

But "smart" companies are looking to make structural changes in transportation to both reduce costs and decrease their carbon footprint. Both are long lasting transportation solutions.

We use the expression "smart" because companies that have performed strategic analysis recognize that the price of diesel will continue to be pushed up over the foreseeable future - until the tight production capacity is alleviated with a new refinery or bio-diesel becomes viable.

Tom Moore a respected transportation consultant discusses these points as he responds to an article in the Wall Street Journal reporting on Diesel prices. You can find that article at http://www.transportatioinoptimization.com/twoblog.asp and click on the article "Wall Street Journal reports on diesel prices".

So what can be done? Again, follow the example of "smart" companies like P & G, which is using optimization technology to provide the transportation solutions to cut costs and reduce global warming. Another leading company, Kraft has replaced the system it uses to convert requirements (items that need to be shipped to its distribution centers) into truckloads.

Kraft is able to not only save money but also reduce good size chunks of its carbon footprint with a new piece of technology from a company just outside of Nashville Tennessee. Transportation l Warehouse Optimization has shown Kraft how to maximize efficiencies with the AutoVLB (Automatic Vehicle Load Building). Kraft can now operate bigger loads and more importantly guide loaders in how to construct the optimized load. This serves as a huge advantage for Kraft and good structural transportation solutions.

Thomas Moore and his associates have worked with the best of the best. Procter & Gamble, and other top 50 Fortune 500 companies are among their client list. More importantly, P & G is a long-term client (Since 1992). They have saved them millions of dollars with warehouse and transportation consulting solutions. Taking a long-term view, they understand the industry, the market place and as good consultants do, keep the client as the top priority. Contact them at www.TransporationOptimization.com today. Also TEST YOUR SKILLS and see how well you manage your costs. Load a truck and see how efficient you are.

About the Author:

Thoams Moore and his associates are premier transportation consultant working with highly regarded companies like Procter and Gamble and BP. They offer transportation solutions that can save companies money.

Affiliate Marketer - How To Become Rich

By Anson Hall

There are a lot of online shops on the internet. This is because people are spending more time online nowadays. And more people will try to purchase online. It is really very convenient to do so. This will probably explain the increase in number of online shops.

One of the ways to make money online is to start your own online shop. You may also have been thinking of doing so. Yet, no all people will have their own services or products to sell. You will then promote the products of other merchants. In other words you will be working in the field of affiliate marketing.

Let us discuss about how affiliate marketing works. You will be promoting the products of the merchants by referring traffic to their web sites. And you will be earning commissions if the visitors purchase from the merchant sites.

You may think that it is very easy to make money with affiliate marketing. Yes the idea behind it is easy to understand. However, it can be difficult to make money with it. You will need to work hard if you would really want to make money.

If you are planning to work as an affiliate marketer, you will need to know that there are a lot of affiliate programs out there. You will need to choose the program with care.

Choosing a niche is very essential if you would like to make real money with affiliate marketing. When you are making the choice, you will need to think about your own hobby. If you are a person who loves fishing, it will not be a good idea for you to promote products in the field of health and weight loss.

Have you ever read about the idea of becoming a super affiliate? A super affiliate refers to a marketer who can make quite a lot of money. In fact, it is not easy to become one.

One thing you need to understand is that you will need to work in difference niches if you would like to become a super affiliate. However, you may not have the time to do so at the very beginning. As a result, it will be better for you to focus a bit when you just start working.

Again, there is no free lunch. You will need to work hard if you want to get rich. The beauty of affiliate marketing is that you can have a chance to make a lot of money if you really work hard. However, not many people can really work hard to this end.

About the Author:

Anson Hall is an author. He has a site on Make Money Online. You may also want to check SEO & Money Making.

The Basics Of Offshore Bank Accounts

By Benjamin Mulletonin

Offshore banking accounts are typically located in a jurisdiction, or a jurisdiction with a reduced tax burden on the offshore banking account depositor. Offshore accounts are administered by banks and offer traditional banking services which make it more convenient to utilize the assets held in the accounts for everyday spending, receipt and distribution of assets. An offshore banking account can normally be established with not much effort. We continually suggest the offshore banking account be opened using a corporate, foundation or trust structure. For a large number of customers it may be practical to open the offshore account in a jurisdiction situated closer to the place of the actual industry of the company or to the actual branch of its beneficial owners.

Off shore banking accounts are usually opened under the name of offshore companies or corporations. Off shore bank accounts need to be opened with an initial deposit to activate your account. Many offshore banks require large sums of money as a deposit, and there can be substantial yearly membership and maintenance fees if you don't understand all the terms of the agreement. Typically offshore banking accounts can be opened with as little as $1000 for deposit. Offshore banks are the easiest legal way to make sure no one can ever take hold your funds, while keeping your tax bills as low as legitimately possible. A large number of offshore banks have strict rules for disclosing private information known as banking secrecy. Nevertheless, there is presently a trend where offshore banks are providing information to authorities when there is undeniable evidence of serious crimes or acts of terrorism. Considering that the level of security and chances for larger returns will vary with each offshore bank, you can expect to look for one that best suits your necessities with a little basic research. To open a corporate banking account for an offshore company, all reputable banks will have to have detailed personal and business info from the owners and controllers of the offshore banking account. While the banks do need to know their clients in detail, banking secrecy remains a fundamental cornerstone in all offshore financial centres, and certainly in Panama (our recommended tax haven).

Release of banking data to any foreign party or government is not possible, unless ordered by a court in the country where your banking account resides. Opening an offshore bank account in a place with bullet proof banking privacy laws is a good place to begin your asset security strategy implementation. In many thousands of cases, you neither have to visit the offshore country in which you want to bank, nor do you have to travel to the tax haven to keep your banking account in good standing or perform banking account maintenance.

Banks located in a lot more worked on nations onshore typically have stricter banking and reporting laws. Banks have to constantly make smaller the level concern offered to clients in order to encounter the profit margins expected by their shareholders. Offshore banks tend to have a reduced overhead due to not as government monitoring. This translates into them being able to give high interest than local banks which tend to have larger operating expenses. When looking for an offshore account provider make sure they have on - line banking including the resources to send multi-national wire transfers, check balances, history and other info and that they all have English speakers. The standard set of Company documentation (if properly certified via notary and legalised via Apostille) combined with personal data for banking account signatories will generally satisfy the formal needs of most banks obtain up with a corporate bank account. The account signatory will be protected by banking privacy laws and any banking account activity namely wires will be performed in the name of the IBC shielding you personally.

The tax-free status of the country being used is always a major consideration. But the point is, these jurisdictions have set themselves up solely to supply sound monetary services to those who wish to defend their funds. The challenge is that tax collecting authorities have often attempted to characterise offshore accounts as being associated with tax evasion, money washing, criminal enterprises or terrorism. The United States of America tax collection authorities, Internal Revenue Service (IRS), estimate that last year they missed $40B in tax receipts due to the existence of offshore banking accounts and offshore financial centers. The challenge is, since Sept 11, 2001 a large number of tax authorities have used the opportunity written in the crisis to levy addition scrutiny on offshore accounts, offshore banks and offshore monetary centers. To be considered a good country there should be no taxation on offshore-derived income and the jurisdiction must be free of tax treaties.

The advancements of world commerce and the web have allowed for greater advantages to offshore banking account holders. An offshore bank account has definite benefits over a home one, and is considerably easy obtain. Since the offshore bank account is a key component of any asset security structure you must be diligent to make sure your assets are guaranteed in a solid bank in a stable tax haven with strong banking privacy laws. An offshore account combined with an offshore Company is usually the starting point for people who are interested in protecting their assets from creditors.

About the Author:

To learn more about the subject of banking offshore or to inquire about getting an offshore bank account

Phone words

By Buck Thompson

Most of us are familiar with reality television shows which have the audience voting for their favorite contestants in a bid to keep them in the show after each episode. To do this they may use a number such as 1300-TEMPO- followed by the performance number of the contestant. Now some of us may wonder, how do we "dial" TEMPO on the phone? Well, actually you are not "dialing" TEMPO. Instead you are dialing the number 83676. The word TEMPO is spelled out by the alphabetic characters written on each number key. In this context the word TEMPO is a phone word.

Though this strategy is quite niche in Australia, its full potential is yet to be uncovered. When used, results have been easily observable through a boost in profits. The right number positions itself in the minds of the customer, creating a long term impact. For example 1300 SPARK can be dialed if you are in a need for an electrician. The numbers associating the brand name are easy to remember. It also has the added benefit of imprinting the brand in the customers mind.

Phone words, if used well, cut down on competition. Nobody will try the yellow pages or the classified columns if they can remember a number and dial it at ease. A company can gain a larger customer base by being exclusive with their number.

A follow on effect of Phone words is that they enable customers to not only relay the name of your business to other potential customers but your phone number too. In this way the use of Phone words gives even more power to word-of-mouth advertising.

Phone words help a business to produce more effective advertising with higher response rates and as a result increase the revenue generated. Therefore clarity of the message and ease of recall become important issues to be considered when marketing via Phone words.

This strategy is commonly used by big brands in Australia, with companies such as AAMI, Telstra, Subway and many others already reaping the benefits of Phone words. In short Phone words are cheap and effective. The simplest way to get on the Phone words wagon is to contact a suitable service provider (1300 Easy Dial is a good one). They provide a variety of phone number options including 1300 and 1800 numbers. 1300 numbers share the cost of the call between the customer and the business whilst 1800 numbers place the entire cost on the business. They also provide tools to help you choose a professional and effective phone word.

Obtaining your very own phone word is easy. The first step is to make sure that some other product or company is not already using that particular word. You will need to be granted ownership of that phone word in a certain area before you can begin using it. A phone word service provider will help you negotiate this. An added advantage of using a phone word is that you are allowed to retain your previous services and phone numbers along with the new phone word.

Phone words are the latest marketing tool to hit the world! Businesses get an extra edge and profits are increased for the long term, with very little investment. In today's world, Phone words are a must-have tool for every upcoming business.

About the Author:

About the author: Buck Thompson highlights the key advantages of phone words on his website where you can find information and advice to help you choose effective telephone words that will maximise your profits.

How To Find A Business Loan In Hawaii

by katie George

The Hawaiian government has put in place many schemes and programs for those who wish to get a business loan in Hawaii. From state funding to grants and private aid, there is no dearth of sources from which you can get a business loan.

This article discusses some of the ways to get a business loan in Hawaii.

Source of Loans in Hawaii

From banks to grants and credit insurance, you will find many sources of business loans in Hawaii. Some of them are discussed below.

1. Small Business Loan Providers

There are significant number of small business loan providers and banks available in Hawaii.

2. Guarantees

Guarantees reduce payment risks and encourage private lenders to offer loans to entrepreneurs.

3. Export Import Bank

The Export Import Bank has been set up by the US Government to finance businesses. It offers loans to entrepreneurs when the risk may be too high for private lenders.

4. Small Business Administration

The Small Business Administration (SBA) of US was created with the aim of providing guidance and financial aid to small businesses. In Hawaii, the SBA office is located in the Prince Jonah Kuhio Kalanianaole Building on Moana Boulevard in Honolulu.

5. OHA Business Loans

Native Hawaiian small business owners can approach the OHA for either the Native Hawaiian Revolving Loan Fund or the Export Import Bank funds. The former aims to encourage the growth of businesses owned by native Hawaiians.

6. Overseas Immigrants Investing Programs

This program allows non-US citizens to get a Green Card by investing in any American company. This helps small businesses in even remote areas to get financial support.

7. Hawaiian Strategic Development Corporation (HSDC)

The HSDC is working towards the development of venture capital businesses in Hawaii. The organization puts technological innovations to commercial use, and is concerned with providing employment opportunities to Hawaiians.

8. Small Business Grants

The Small Business Innovations Research program rewards useful innovations of small businesses by providing those grants. The innovations can be in fields as diverse as energy, defense, education, commerce, health and science.

9.Export Credit Insurance

Organizations like Export Import Bank offer credit insurance to entrepreneurs, and this includes small business insurance policy.

About the Author:
Credit Card Deals Loan Programs for Single Mothers

I left the old school and became a sponsoring magnet

By John Wallen

One day you start thinking. It would be nice to be your own boss, and work from the comfort of your own home. So you set up an office area, computer fax, printer, all the things you would need to run your own home business.

With everything in place let the search begin. You purchase some opportunity magazines. Someone recommends some ezines. You look at on and off line classifieds. You surf the web, sign up for information, and get some calls from reps that you can barely get a word in edge wise with.

Your getting closer to a decision. This company looks great, that company has a better compensation plan, the products with this company are amazing. After a bit more research, your ready. You take out your credit card, and congratulations you made the right choice, welcome aboard new affiliate.

You get into your new online back office with all the marketing tools, fool around there for awhile. Go over the comp plan and make sure you have it down. Sit through some archived training to get inspired. Then finally your sponsor calls or sends an email with his contact info.

The very first thing he has you do is write down 100 people you know , like family and friends. Approach then about your business, drive them crazy till they run and hide. Get some sizzle cards, send out expensive postcards, and keep your fingers crossed.

None of that seems to be working like it's suppose to. Your friends are avoiding you, your family is no where to be found. You know your last resort is to buy some leads and push past your comfort zone, and call these supposed prospects. You rattle on never hearing the click of them hanging up. More money wasted.

The only ones that succeed in these old school network methods are the pit bulls. They are far and few between, and will work the phone for 10-12 hours each day. This doesn't work for the majority of net workers trying to build a down line. They fail every time using the old methods.

I'm talking from experience, and maybe you figured that out already. But when I was about to give up, I came across this system of business building I read about in a ezine. And in 6 weeks time, my home business had grown at an unbelievable pace! If it's your goal to reach full time, you should take a look at this system!

About the Author:

I can tell you from experience that your home business will not survive without the knowledge of a proven marketing system. Get your free videos: best marketing system and best marketing strategy

Viral Marketing - Top 10 Affiliate Programs

By Jim Spence

I predict that this new E-Book will become one of the Top 10 Affiliate Programs during this year. I think that this e-book my be the Greatest New Viral Marketing Idea of all time.

There are some very ingenious twists, which will send your traffic soaring. This free e-book presents an unusual strategy for selling any type product. It uses methods which will never become obsolete or out of style.

The book is being offered to everyone free! Your Name or Email address are not even required or asked for.

This e-book is well constructed and easy to read. A step by step progression through the processes and will be easy for even the beginning affiliate marketer to follow.

The final chapter, and a surprise twist, is really amazing giving you an idea that is sure to make it one of the top 10 affiliate viral marketing programs this year.

The free price may change at any time. Don't miss out.

Jim Spence - Master Affiliate Pro

About the Author:

Get the Free Top 10 Affiliate Programs e-document. This will be the most important Viral Marketing outline that you will ever receive. Don't reprint this exact article. Instead, reprint a free unique content version of this same article.

Home Based Businesses Isnt All Fun and Games

By Thomas Griffin

Do you often daydream about working at home? Before you hand in your letter of resignation, please read what Jan K., The Proofer has to say about the pros and cons of being your own boss. These are points to ponder before you begin your pursuit of a work-at-home job.

Working at Home Isn"t All Fun and Games

I enjoy telling people that I "work at home." I can see that wistful look in their eyes, and I can hear it in their voices when they say, "That must be nice." And then for about five minutes, they do a little daydreaming about what it would be like to "work at home." I never explain to them about the measure of self-discipline it takes, and how great are the temptations to take a "break" and reorganize my sock drawer when I find myself faced with working on a project that is less than interesting (or worse yet, "not as profitable" as other projects). Why burst their bubble? Let them daydream awhile?.

Working at home can be all the wonderful things that those people daydream about. Setting my own hours, working at my own pace (project deadlines permitting), running to the market at 1 o"clock on a Wednesday afternoon when there"s nobody there---these are just a few of the plusses of working at home. For parents (whether it is the mom or dad, or both working at home), being able to adjust their working schedule to school schedules, being able to take the kids to the orthodontist or to soccer practice, working at home is a definite plus. For people who don"t work at home and who want to work at home, it is probably hard to think of even one minus. But the fact of the matter is, the minuses do exist---in abundance.

It is not my purpose here to ruin all your hopes or plans to establish yourself as a work-at-homer. In fact, I do encourage you to follow that dream and be your own boss. However, I want you to take just a few minutes to take stock of your situation and once and for all decide if working at home really is in your best interest.

First, and obviously, you have to have a job skill that is amenable to the at-home environment. If you trim poodles on the weekend and think you can turn it into a full-time at-home business, then look around. Do you live in a two-bedroom apartment on the second floor and just do your neighbor"s poodle once a month (but you do it really well)? Or do you live a four-bedroom ranch house with a three-car garage that can be made over into "Donna"s Clip Joint" and happen to live in an urban neighborhood where everyone has pets? And even if you do, what about all the permits that you will need? Will you be able to pursue this type of work at home, and do so legally?

The most applicable work-at-home job skills involve the use of a computer, the Internet, phone, fax, and other small business/office machines. You can hardly drive from home to the grocery store without seeing those signs nailed to telephone poles: "Got a Computer? Earn up to $2000 at home!" Of course, you can, but can you?

For the sake of argument, let"s presume then that you have a computer and an assortment of small business machines, and that you do indeed have some skill that you believe can be marketed. Let"s focus on you for a minute: Are you self-disciplined? Are you organized? Do you have the proper workspace where you can work undisturbed? Are you able to face a workday where you have no supervision or guidance? Can you work at home, day after day, without having the people contact that you would typically find "on the job"? When you have overlapping projects, will you be able to cope with the necessary prioritizing so that you get the time-critical job done on time without jeopardizing the next job in line?

About the Author:

Do you want to make easy money on eBay? Over 2000 resellers can't be wrong. Choose the best dropshippers. Visit Urbanload.com to start your own dropshipping ebay business.

Grow Your List For Affiliate Marketing

By Anson Hall

Do you want to make some money online? If you want to do so, you may be interested to work as an affiliate marketer. You will need to learn some techniques while you are working. And one of the things you will need to learn is to grow your subscriber list.

The list is probably the most important asset an affiliate marketer has. And it is also very important for you to grow the list. Yet, you will need to learn the ways to grow it. You will also need to learn how you can pre-sell the affiliate services or products with your list.

Before you try to send emails, you have to make sure that you are not spamming. You should only send emails to visitors who have subscribed. Of course you will want to make more money. However, you will never be able to do so by spamming the others.

What you really need to do is to build the list yourself. It is always suggested that you have your own list. You will need to do it gradually. One of the ways to grow your list is to give out free e-book on your site.

Another thing you will need is an autoresponder. By using the autoresponder, you can make sure that the users are subscribing for what they want to get. Of course this is only one of the advantages of using an autoresponder. Another advantage is that you can be able to make sure the email addresses your visitors enter is a valid one.

You may want to know how you can get an autoresponder. The fact is that you can get it easily on the web. You can just search for it on the internet and you will be able to find a few autoresponders easily. Of course you will need to spend some money in order to use the services.

There are affiliate marketers who may consider purchasing an email list. However, you should never do that. This is because the people in the email list may not want to get the information you offer. They may not open your email because they are not interested in it. And you will not be able to make money with such a list.

It is very true that you need to work hard to grow your list. In fact, you will not be making money with affiliate marketing if you do not work hard. Yet, if you can work really hard to build your list, you will be able to become a super affiliate eventually.

About the Author:

Anson Hall is an author. He has a site on Making Money Online. You may also want to check Search Engine Optimization.

John Cummuta Scam? You Decide

By Rio Morales

John Cummuta offers a downloadable Transferring Debt into Wealth Book for $39.95 and if you aren't satisfied for any reason within a year he will pay your $39.95 back plus another $39.95. John Cummuta Transferring Debt Into Wealth will however ask you to write a personal descriptive letter/email to explain why you were not satisfied with his product. Here is what one person has to say about John Cummuta's money back guarantee;

January 18, 2008 Linda R from Virginia. "I ordered a John Cummuta Debt Into Wealth CD from the radio but I had to go out of town and got busy for the next few weeks. Needless to say the 30 days lapsed and when I called today I was told I could not cancel because I was beyond the 30 days. I told them I no longer wanted this service and I was informed that I could not return the product and that I would continue to be charged the monthly rate for 4 more months! I did not want the service, but no dice. The best they could do was to eliminate the last monthly charge-big deal. I have not even opened up any of the folders. I am tempted to call or notify Clark Howard. Has anyone else had this experience?"

Hey what happened to that 1-year money back guarantee? This kind of blows that out of the water. Lets see what else people have to say about him.

November 4, 2005 Frank A. from California. "After ordering John Cummutas program Debt Into Wealth in May, I never received the product. However his company continued to pull out 5 payments at a cost of $80 dollars per month. I call his company and they gave me a phone number to call. After calling the customer service department and speaking to the most rude survive rep. who stated to me that they were not going to give my money back and that the package was delivered to me by FedEx at a time that I am not home from work."

John Cummuta calls this Transforming Debt into Wealth because it does just that, it transfers money from your account into John Cummuta's account Presto, no more debt. For John Cummuta.

March 12, 2008 John P. from Providence, RI "I downloaded the Turning Debt Into Wealth program and listened to all the audio. The system makes complete sense and would probably set off a light bulb in your head. Although, I did get a call from Prosper Learning shortly after and they wanted me to purchase a mentoring program from them for $8,000 to $14,000 dollars. I could not believe it; what a scam! Legal I'm sure.

About the Author:

Before you purchase any online money making program. Visit what everyone recommends for the most credible and honest selling online money making programs available. Best Reviews,for your info.

Gain Your Success With Internet Affiliate Programs Today

By Richard Steaney

There are a variety of great benefits involved with affiliate marketing. You can have all the benefits of an impressive income while working from home. However, you will have to be successful to turn this into your full time job.

When you enter the world of online affiliate programs you will want to ensure your success. It will not happen for you overnight; you will have to work for it. Do not expect to get rich overnight.

Various individuals cannot make affiliate marketing work for them. To avoid failing you will learn what to do to succeed. Here are a few successful steps to follow.

Ensure the Company Provides Marketing Resources

If you want to be a success at the internet affiliate programs you're involved in, then you will want to ensure that the company you work with provides marketing resources. The best affiliate companies to work with do provide you with top resources and tools that will help you become a success.

If you choose a merchant that provides marketing resources, it is easier to be a success. You might get web copy and banners and all you have to do is to use them.

Set Strict Daily Working Hours

In order to be successful at affiliate marketing, you need to make sure that you set strict hours to work each day. It takes discipline to be successful, no matter what type of a program you are working with. So, make sure that you set hours to work to make sure you get the work done you need to in order to be successful.

Try to Find a Mentor

Working with a mentor in the business can be really helpful if you want to succeed with affiliate marketing. A good mentor can give you insider tips and share his or her own experiences. Make sure you choose a successful mentor.

Always Work on Traffic Building Techniques

You should always work on your traffic building techniques because without traffic you will not make money. Whichever internet programs you are affiliated with, you need to build up traffic to your website in order to attract customers and make sales.

With these simple steps, you can become more organized and successful in order to make more affiliate income. Make sure that you always use these helpful tips to ensure that you make the most profit you can to make working at home a success for you.

About the Author:

Richard Steaney recommends the Secret Killer Strategy that he uses to make lots of money out of Google and Clickbank. Grab your FREE Affiliate Manual to turbo-charged your online business. This and other unique content 'affiliate marketing' articles are available with free reprint rights.

Key Projects That Require a Voice Over Artist

By Terry J. Daniel

Marketers working on ad campaigns would do well to remember the unique power of multimedia presentations. Regardless of whether your advertisement is to be played on television, on the Internet or online, an audio-visual element can be quite helpful in boosting the effectiveness of your marketing. On the graphical end, you will want to ensure that all of your logos, photography, and video shoots all creatively and professionally done. In regard to the audio element of a multimedia presentation, one cannot underestimate the advantage bestowed upon marketers who hire distinctive, professional voice over actors and actresses.

When you're putting together any sort of marketing, be it an ad campaign or simply a preliminary plan, there are many areas in which a voice over artist can prove invaluable. Remember that just because an individual is a natural, skilled public speaker doesn't mean that they have a suitable voice for radio, TV airplay, or an online podcast-- voice acting isn't just talking; voice actors and actresses are skilled professionals, and believe me when I say that this shows. Finding the perfect voice professional for your particular job is simply a matter of strategically interviewing and sourcing prospects. Here are a few areas in which professional voice talent can be helpful.

Podcasting. Podcasts are becoming a popular addition to websites and blogs, and can help boost your brand, deliver important messages, and make it easy to highlight your products and services in the form of an announcement. Podcasts do not have to be recorded by a professional, but employing a vocal artist for the script can help you generate the right interest and help broadcast your message more effectively.

Business videos. Companies making presentations to important clients will often incorporate video elements that, for example, introduce new products, or promote existing ones. Professionalism is doubly important when you're presenting to an audience of your business-minded peers. By enlisting the help of a voice actor or actress for the narration on a business video, you can rest assured that the end product will exhibit the sheen of high quality.

Training videos or tutorials. Videos made to be used with your new hires, introducing them to the organization or training them in aspects of their jobs, are also great places to put your best foot forward with professional voice work.

Telephone recordings and answering services. If your business has an automated answering services as part of the sales and ordering departments, consider hiring professional talent to represent your brand. This is especially important in an professional environment where you want to leave callers with a positive impression. Telephone recordings may be brief, but those few minutes can make a big difference to potential customers and clients.

Online videos: Videos on the Internet are a great, cost-effective way to get your message out to a virtually limitless audience of prospective customers, but this all adds up to nothing if your advertisement doesn't deliver that message in an effective manner. Part of communicating your message effectively is communicating it in the right voice: the voice of a professional.

In any of these situations (and many more), hiring professional voice actors will prove a highly beneficial way of increasing the power and reach of your marketing message, and ensuring that your presentations are as powerful as they can be.

About the Author:

About the Author: Terry Daniel is a Professional Voice Over Artist from Minneapolis, MN and Has Provided the Voice Talent for Dozens of Companies and Agencies Since 1991.

All About Peak Potentials Training

By Jadie Howersten

I've started hearing about the programs offered by T. Harv Eker's Peak Potentials Training. I'm rather skeptical when it comes to programs like this, so I'll admit I was wondering if this one was for real. So, I went to check out their website.

The names of some of the programs are pretty far out there, with military sounding titles like Guerrilla Business School or Enlightened Warrior Training Camp. Others had more straightforward names, though, including the Millionaire Mind Intensive course and Extreme Wealth.

There were other resources available, too - including some really encouraging clips of Eker speaking at one of his Enlightened Warrior Training programs. He's talking about how fear is keeping all of us from doing what we have to be successful, and he has to experience to back up this statement. We can all relate to fear, but almost everyone will be swept away by Eker's enthusiasm and energy.

You see, he didn't start with a lot of money. His parents immigrated from Europe and it was a long journey to get to where he is now. That trip made him realize what the differences are between the rich and the not so well off - differences he's willing to teach us to overcome.

Not sure about this whole program? Then take a look at Peak Potentials Training's site, or check out a copy of his book, Secrets of the Millionaire Mind, on your own. Buying the book could even give you discounts or free tickets to one of Peak Potentials Training's best seminar - the Millionaire Mind Intensive.

Even people who have a lot of knowledge about finances will be surprised by what they find here. You can change the way you think about money forever just by reading the books and attending Peak Potentials Training seminars.

According to Eker, each and every one of us has a financial blue print that tells us how to act towards success and money. Most of us have a flawed blueprint that just keeps holding us back.

The money maps inside us have been created by our surroundings. In fact, most of us get the financial blueprints that drive us from our families and friends, who tend not to have a lot of money. What we learn from them can actually keep us from being personally and financially successful.

You may find the exercises you're asked to do as part of the the programs offered by Peak Potentials Training to be a little silly. However, they really do have a point, and they can teach us a lot. They help supply us with the right tools we need to succeed.

Is there anyone who shouldn't check out Peak Potentials Training? Well, anyone who isn't ready to go through the process of changing their entire worldview or thinks the trip will be an easy one should take another look. However, if you're willing to put in the effort, it's a good idea to find out more.

For instance, I've learned some of the habits rich people use to grow their money, why I have the problems I do, how to create wealth, how to maintain it once I have it, and how to create passive income. You could learn this, too.

Peak Potentials Training programs aren't in place to keep rich people rich. Instead, they're there to help the rest of us learn how to be rich, no matter what our lot in life has been. We can all benefit from a little bit of extra information - check out the programs and see what they have to offer.

About the Author:

What you just read about Peak Potentials Training is just the beginning. To obtain the entire run down and all the details of their company profile, access the Peak Potentials report at Millionaireproductreports.com

Efficient Central Heating Needs the Right Thermostat for the Job

By Tal Potishman

With the winter season quickly approaching, central heating for your home becomes a priority. In order to keep your home warm, all components of your central heating system must be in proper working order. However, there are some typical faults with the system that tend to happen at the worst possible time. One such common problem is frost damage, which can damage and sometimes destroy boilers and pipes.

Traditionally, central heating systems were designed with the frost thermostat installed in close proximity to the boiler. The thermostat would start and stop the boiler until the desired air temperature was met. When the thermostat registered that extra heat was being released from the boiler, the central heating system would be shut down to conserve energy and prevent overheating of the home.

A new development in insulation materials for central heating systems has made the frost thermostat's job much more challenging. Modern boilers and pipes are much more insulated than their older counterparts. Energy conservation was the goal of this alteration; unfortunately the problem of overheating persists. The frost thermostat is no longer able to detect changes in temperature accurately. As such, overheating and energy waste continue to occur.

The pipe thermostat is one solution. The product is installed on the boiler return pipe. This thermostat detects changes in pipe temperature and prevents overheating by shutting off the system when necessary. There are several UK companies that sell the frost thermostat and low limit pipe thermostat together in one kit. These products allow you to adjust room temperature and provide frost protection for your boilers and pipes.

Installation and set up of these new thermostats is simple and quite intuitive. Guidelines for complete wiring and installation arrive in the kit, ensuring simple installation. The frost thermostat is usually set to 5C and the pipe thermostat is commonly set to 25C. Additional pipe thermostats can be bought for other exposed pipes, to further insure that your system is completely protected.

Sometimes, a pipe thermostat is not the best solution for your individual needs. Another product that could prove useful is the fully programmable room thermostat. This can be installed in a number of locations throughout the home, including the living room or hallway. They serve to record and monitor the room temperature and are very easy to install. Modern room thermostat models operate by RF, or Radio Frequency. A radio signal is sent from the thermostat to the boiler eliminating the need for wiring.

Thermostats are an important element of your home heating system but, there are other variables that impact your heating efficiency. By sectioning the home off into zones, waste can be avoided. The use of zones, allows you to focus the heat where you need it most. More populated areas can be kept warmer than empty rooms that do not require as much heating. This minor change can produce great results. Not only will heating bills be lower but, system efficiency will be greatly improved.

About the Author:

Tal Potishman, editor of Heating Central, writes articles about home boilers , central heating, Dollis Hill plumbers, underfloor heating and solar thermal. He specializes in helping save money by advising on efficient heating.

Templates for Your Website

By Herb B. Lewis

In the early days of the web there were not many options to help you build a great website. You could either hire an expensive web designer to make the entire site for you or you could create the website yourself. Paying a webmaster can get expensive, in the old days creating a site yourself required you know HTML. Most people don't have time to learn to do this.

Many webmasters use a template to start your site and you can to. This is the golden age of the web and entrepreneurs have a lot more choices when it comes to creating a simple, professional website.

To find templates Google, "website templates" and several million pages selling templates will show up. Google, "free website templates" and several million pages with free templates will show up.

Most of the pages that come up in your search will show the designs on their site for you to preview before you download them. Select a template that you like that goes with what you sell, download it and then add your information. The HTML and design is done for you, all you have to do is tailor it to fit your needs.

The template will not be made with your photos and text; you have to add this yourself. Once you have the basic site on your hard drive, editing is simple. Editing involves adding your own logos, text and graphics to the template to make it yours.

Templates can be edited with a free HTML editor that is easy to download and install on your computer. When you buy a website template make sure it is compatible with your HTML editor. Search Google for, 'free HTML editor" and several will come up. They are very easy to download and install on your computer.

A website template is just the thing for starting an online business because it is not expensive and they can be simple to modify. You still have the option of having a webmaster edit the template for you. If you do this be sure to have all the text and graphics ready so they can just cut and past it into your template. Many of the template companies offer a custom design service at a reasonable price.

For less than fifty dollars you can buy a high quality website that can look better than a professionally designed site that will cost you much more. If you learn to modify the site yourself you have much better control. You can make changes when you want. Having to go through a web designer to make changes can be frustrating.

About the Author:

This information is by Herb B. Lewis, visit rejuvenatelive, also visit rejuvenate training.

Commercial Loans

By Barnes Ross

What is the Minimum Investment? Generally, the LCM Fund is financing residential property at less than 80% loan-to-value and commercial property at less than 65%. LCM underwrites all loans with as much rigor as required to determine collateral value, insurance, credit and title history. Typically, the process is the same as that of leading institutional lenders. We control risk through consistent lending practices. Please review the prospectus.French purchase contracts automatically carry a condition suspensive relating to the availability of a mortgage offer to the intended buyer. This is required by Law 79-596 of 13 July 1979 known as the Loi Scrivener. This law applies to all credit for the purchase of a dwelling or premises to be used for the combination of a business and living accommodation. It does not apply to loans for the purchase of purely commercial or business property.

Do you finance commercial property loans? Yes, we provide commercial loans for commercial properties. Call to speak with one of our loan consultants at . Finest Capital Ltd is a Registered Mortgage Broker, New York State Banking Department arranging 1 - 4 family residential and commercial mortgages through excellent 3rd party providers.A Mortgage Originator organises and negotiates funding for home owners and property investors (residential, commercial, industrial and retail) from a variety of funding sources.

WHAT IS A MORTGAGE ORIGINATOR? A Mortgage Originator organises and negotiates funding for home owners and property investors (residential, commercial, industrial and retail) from a variety of funding sources. Settlers Home Loans Pty Ltd is such a mortgage originator. Mortgage Originators act to introduce a borrower to the lender that in the originator's opinion offers the best product for the specific needs of the borrower.Dorchester Finance Limited has three main areas of lending. The first is larger commercial type loans from $50,000. These are mostly secured on first and second mortgages over properties.

What are the other types of loans? Stated income/verified assets: Income is disclosed and the source of the income is verified, but the amount is not verified. Assets are verified, and must meet an adequacy standard such as, for example, 6 months of stated income and 2 months of expected monthly housing expense. Stated income/stated assets: Both income and assets are disclosed but not verified. However, the source of the borrower's income is verified.Environmental Insurance is, unfortunately, a requirement for most commercial loans. However, the insurance cost should be minimal if your property is not known for environmental hazards.

Where do you lend funds to? Dorchester Finance Limited has three main areas of lending. The first is larger commercial type loans from $50,000. These are mostly secured on first and second mortgages over properties. The borrowers are many different enterprises covering the commercial, industrial and property sectors in NZ. Dorchester Finance also has subsidiaries which are active in the motor vehicle hire purchase business and also act as brokers in this industry.Tax Ease structures our loan program to keep out-of-pocket expenses to a minimum. An affordable loan processing deposit covers expenses related to the processing of your loan application and the closing of your loan, and is due with your completed application. This fee is $250 for residential loans, and $1,000 for commercial loans. This covers our costs of property inspection, credit check, title review, property inspection and other expenses.That is a good question and something important to understand.

What are some other financing options that may interest me? If for some reason you cannot be qualified for the VA Loan Program due to lack of entitlement, loan amount requirement, etc., we do offer other loan programs that may fit your needs. Please contact us. The National Mortgage Department's parent company bank does offer In House Financing. Jumbo loan programs that allow for larger loan sizes than what secondary market programs would allow for.Castle Commercial Mortgage Co. is a Private Money Lender. Some also call us a Hard Money Lender. Basically, we use Private Funds to make short-term real estate/real property loans.

About the Author:

When it comes to keyword1, getting the right information

Getting a Promotion in a Troubled Economy

By Robin Maxwell

In the midst of what is the biggest economic crisis in our lifetime, many of us are worried about job security

It would actually be more constructive for us to be thinking about positioning ourselves for promotion. After all, as there are fewer employees in an organization, those who survive the downsizing often have increased opportunities to move up. Here is how you can be poised for success when those opportunities arise.

1. Be sure you understand the criteria which is used to evaluate you and the expectations of the decision makers in your organization.

2. Do everything you can to ensure the success of your boss. And, share the credit for your successes with him/her.

3. Establish yourself as the "go to" person when there is a problem or difficult project. Be the one most likely to offer good solutions to tough problems.

4. Be reliable. Be on time. Complete assignments ahead of schedule. Be low maintenance.

5. Do not just accept challenges; seek them out.

6. Be cheerful and positive, especially in times of crisis. Offer your ideas in a constructive way, without overt or implied criticism of others.

7. Learn to accept praise modestly and to share the credit for your successes with others. Even more important; learn to accept and react to criticism without anger or resentment.

8. What skills does your organization need that your colleagues do not have? Developing them will show initiative and greatly increase your value.

9. Do not neglect to take the time to organize yourself. Good organizational skills are always noted and valued. And, the higher up the employment pyramid you go, the more important it is to be well organized.

10. Assist your co-workers whenever possible. And, work hard to develop and maintain good professional relationships.

You never know when that next opportunity to move up the career ladder will come or whether it will be in your current workplace or somewhere else. But, by taking the steps above, you can put yourself in a great position to be a serious candidate.

About the Author:

Robin Maxwell is a freelance writer based in Florida. In addition to writing newspaper and magazine articles, Robin blogs on online college graduate programs, online professional certification programs, online ACT and SAT preparation, and online degrees for educators.

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