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Tuesday, March 26, 2013

The Most Sensitive Listening Device Ever


In January this year, the surveillance world received some interesting news that no one seems to have picked up on. Scientists in Germany have created the most sensitive listening piece ever invented: a gold sphere just 60 nanometres in diameter. Incredibly, this is the equivalent to 60 billionths of a metre!) The creation reacts to soundwaves and detects noises down to minus 60 decibels, and is just sensitive enough to hear the sounds made by bacteria suspended in water.
There is no need to go into the scientific details and implications here; there are plenty of articles around already doing that. What we will say, however, is that this is a huge leap forward in nanotechnology, and such technology has always been linked to a range of fields other than medical – surveillance included.
Covert equipment like listening recorders, bugs and video cameras have taken huge leaps forward over the past decade, thanks to technological advances like the ability to cram hugely powerful processors into smaller and smaller chips. For example, you can find high-definition surveillance cameras that measure in at less than a centimetre long and half a centimetre wide. The proliferation of fast wireless technology has made it possible for conversations to be overheard from cities and continents away.
Imagine taking the incredibly powerful, sensitive technology we have now and scaling it down to the size of a human blood cell. It seems nanotechnology is not so far off doing exactly that. At SCIA, we look to the future and wonder about what corporate security and surveillance implications might come from this amazing new technology.
Counter-surveillance is an ever-changing industry. Although listening devices the size of dust mites are probably a long way off, at SCIA we believe in keeping up to date on any changes that might be heading our way.
About Author :  Click here

Wednesday, September 12, 2012

Avoid Bad Credit and Keep Your Finances in Good Shape


Acquiring credit is not a bad thing as long as you know how to manage debt and repayment. In this post, let us discuss some tips on how you can manage three important aspects of debt more effectively.
Managing Home Loan
Missing your monthly loan payment even just once can get you into trouble. Some lenders will immediately send a foreclosure notice if you fall behind your payment by two consecutive months. Thus, rather than wait until you missed your second or third month of payment, the best thing to do is get in touch with your mortgage lender. Do not wait until a debt collection notice arrives.
If you're having problem keeping up with your monthly loan payments because of your current financial situation, you should discuss your situation with your lender. Did you just lose a job? Or did someone in the family got sick? Whatever your reason is for struggling with your debt payments, you should never ignore your due dates or wait until your lender contacts you about past due debts.
Many lenders are willing to modify the original terms of the home loan to help a borrower experiencing financial crises. For instance, your lender may agree to reduce your monthly loan rate or extend your repayment term to lower your monthly fees. The sooner you can speak with your lender about the problem, the sooner you can come up with a solution.
Managing Credit Card Debt
If you own more than one credit card, it's very important to pay attention to your spending. Credit cardholders can save a great deal of money if they can avoid the monthly interest rate charges. The secret is paying your monthly balance in full, instead of keeping a revolving balance.
Before charging anything to your card, ask yourself, "Will I be able to pay the amount in full before the due date?" If you have doubts as to whether you can pay in full or not, it's best not to use your credit card and simply use cash.
Another important step is to check your monthly statement of account before posting your payment. Errors may occur and if you do not take the time to review your bill, you could end up paying for charges that you did not owe. In case you discover incorrect charges in your credit card bill, call up your issuer immediately to dispute the charges.
Managing Your Personal Finances
Do you have a definite budget plan for the month? If you do not follow a financial plan, it is recommended that you start to create one. Make a list of all your expenses for the entire month and compare the total amount to your monthly earnings. Are you spending more than what you earn?
Based on the list, it will be much easier to see your spending pattern. You might need to make some adjustments or changes with your spending style but doing so can save you from the trouble and pain that bad credit can bring.
Melanie Mathis is a credit analyst and a writer for 8 years. She has been participating in the programs of http://www.newhorizon.org such as their continuous effort in giving out Free Credit Repair and Building Ebook. NHBS also has a list of recommended Credit Cards for Good Credit.

2 Offline Methods For Getting Website Traffic


Website traffic is the core of any successful internet business. You can't just build a website and expect people to show up. You have to put some marketing behind it. This may work in the offline world where location is everything, but in the online world, if you want people to know about you and your business, you have to be proactive with your approach.
There are many ways to get traffic to your website. In today's lesson, I want to focus on some "offline" means of getting traffic to your site. Believe it or not this is quite easy, and the people that you find offline are more highly converting than the leads that you acquire from online. Here's the first offline marketing tactic that you should be using in your business:
1) Business cards
Business cards get passed around everyday like it's nothing. But for most online business owners, their business card is bland and doesn't compel anybody to visit their website at all. You only have a few seconds to get someone interested in what you have to say. After the few seconds are over, they will either make the decision to visit your site, or just store your business card into their collection of documents on their desk.
You don't want this happen. On your business card, you will want to include the essentials: name, address, phone number, email address, fax number, and website address. But you can't just stop there. Make them an offer, and tell them that they can only get this offer if they go online and sign up for your free email newsletter. This is a proven way to market your online business with your business card. Here's another way:
2) Advertorials
Advertorials are simply ads that looks like it belongs inside of a publication. The people who get this right know that their advertorial should match the design, tone, and style of the original articles in the publication. Some of the most common places that you will find advertorials are in newspapers and magazines.
Before you run your advertorial, you will want to check out a publication, and try to emulate the writing style of the articles inside there. At the end of your advertorial, make sure you mention your website information in the same way that the publication would mention your name and website.
It's important NOT to deviate off the path when writing your advertorial. Don't start off sounding like an original article, and then 3/4 way down the page make it sound like a sales pitch. So you should write your advertorial up, and have someone critique it for you. This is very easy to do.
These 2 offline marketing methods can drive a lot of targeted traffic to your website simply and easily. The more offline leads you get, the more you will see your conversion rates increase by a lot - so don't neglect this proven form of marketing a website. It's very effective, and doesn't take a lot of time out of your day to do so.
Good luck with marketing your online business offline.
ABOUT THE AUTHOR: Randall Magwood is one of the most respected and highly-regarded online marketing experts on the internet. He has a website about internet marketing that helps small business owners learn how to market their business online simply and easily. To learn more, simply visit his website here: http://www.internetmarketing-rules.com

Mind Your Marketing: No Matter What Your Specialization or Niche, Show Why You Care


This September, if you counted all the number of political signs all around my neighborhood, you would have concluded that the hot upcoming election was not a race for the President, the House or the Senate but for Register of Deeds. I am not kidding!
Our county's current Register of Deeds was retiring after 23 years in the office. The four candidates vying to replace her debated one another, and the local paper published profiles of them. All this made me curious, because in my mind, Register of Deeds is the ultimate nerdy elected job. What in the world was there to care about, much less debate?
The candidates differed, I learned, when it came to what the Register of Deeds could do about so-called "robo-signed" documents, which played a role in many fraudulent foreclosures. One of the candidates had a vision of what could be done to make land records more usable by genealogy researchers.
Another explained that as Register of Deeds, she would help protect the typical family's largest investment, their home. She also pointed out that old land records are often crucial in determining which roads in the county are public and which private.
This little exploration into something I'd never thought about before hammered home a few general marketing lessons.
1. No matter how nerdy your specialty, there are probably numerous possible ways to explain why it's important and why you care about it. Why is this service important for the person being served? How is it relevant for others in society? What values are promoted by the work you do?
2. See if you can connect your specialization to a controversy, an event or an achievement that the average person probably has heard about. This adds to the perceived value of your work contribution.
3. Explain your ideas about getting the job done well. Had I been present at the Register of Deeds debate, I'm sure I would have gotten a clear sense of particular priorities emphasized by each of the candidates more than the others. Without realizing it, you can likewise come across differently from competitors just by the way you describe this factor.
Let's suppose now that you're a nutritional labeling specialist. For packaged foods clients, you analyze food products to determine compliance with all the federal regulations on printed food labels. Instead of simply describing in a technical fashion which kinds of labeling information you provide, you could stand out vis-a-vis competitors with the kind of elaboration described above. Remind potential food entrepreneur clients that correctly analyzing the nutritional content of foods helps consumers obtain all the nutrients they need, comply with medically necessary diet restrictions and avoid triggering life-threatening allergic reactions. Proper food labeling saves lives, in addition to complying with the law.
Don't take for granted that the person in a position to buy your product or service understands what's at stake. Probably they do not. By spelling out the factors identified above, you make "votes" - purchases - for what you sell much more likely.
A bookworm as a child, Marcia Yudkin grew up to discover she had a surprising talent for creative marketing. She's the author of more than a dozen books, including 6 Steps to Free Publicity, now in its third edition, and Meatier Marketing Copy. She mentors introverts so they discover their uniquely powerful branding and most comfortable marketing strategies, and helps them create a promotional presence that attracts the kind of clients who make them happiest.
To learn more about the strengths and preferences of introverts, download her free Marketing for Introverts audio manifesto: http://www.yudkin.com/introverts.htm

Wage Theft Epidemic: Are You a Victim?


Recently, the U.S. Department of Labor has had to deal with a rash of wage-theft lawsuits. The department found it necessary to file charges against numerous employers who short-changed employees in the area of overtime compensation. Experts who work these cases on a daily basis tell us that the number one issue is the miscalculation of overtime pay. A device as simple as an employee time clock might prevent many of these legal cases from ever coming to trial. When employers fail to pay workers for overtime, or when they misclassify hours worked, they often find themselves on the wrong end of a federal government lawsuit.
Whenever a company does not pay a worker for overtime, or regular hours worked, the issue is referred to as wage theft. Typically, when an employee doctors a time card in order to defraud his employer, that practice is called time theft. Recent government litigation has shown that the two most common practices, which lead to wage theft could be prevented by simple employee time clocks. A recent major case was filed by the Department of Labor against one of the nation's largest retailers. The retailer ended up having to pay hundreds of millions of dollars in back pay to workers who had not been properly compensated for overtime.
An employee time clock, properly used, might have prevented that major case from seeing the light of day. When both companies and workers are vigilant, and use sophisticated employee time clock devices, such problems are avoided altogether. Due to the spate of lawsuits, more companies are installing modern time clock devices and software in order to prevent a trip to the courthouse.
Quality time and attendance systems, like biometric access systems, can measure every second of each worker's time, and categorize that time correctly. If a problem arises, it is easily fixed. No longer do owners and employees need worry about paycheck accuracy. Many high-tech systems in use today are able to prevent identity theft as well.
Wage theft continues to be a huge legal issue for companies, but with the advent of sophisticated time and attendance software, the problem is likely to abate. Time clock systems are inexpensive, especially considering what management and labor can save in terms of legal costs, hours lost, and frustration avoided. Some of the best attendance systems use biometric data to prevent unauthorized access and employee time theft.
Looking for quality time clocks to help your business? Consider one of several affordable and quality models from Time Clocks & More.

Friday, September 7, 2012

Is It Easier to Get a Bad Credit Business Loan or a Business Line of Credit?


Have you ever wondered if it is easier to get a bad credit business loan or a business line of credit? How does knowing the answer to this question help you find the most suitable type of loan for your small business?
As you know, when it comes to starting a business online or in the real world, there is some budget needed to get an office, hire employees, and collect the basic necessary tools in order to start up your new business.
The good news is, you can easily apply for a business loan or a line or credit, to help you receive up to $100,000 from a reputable bank. This gives you the investment you need in the beginning to kickstart your company.
How to Get a Small Business Startup Loan to Help You Save Money
There are several benefits when it comes to receiving financial help from a bank to start a business. If you do a simple research by asking your local banks and private commercial lenders, you can find out more about the best quotes, interest rates, payment plans, and more options regarding the loan your can receive.
Most banks offer easier terms for starting a small business. Depending on your credit history as an individual and also your business credit background for your previous companies, you can negotiate for a lower interest rate for your business loan.
Obviously if someone has a bad credit score, the bank will only agree to offer an unsecured loan with a higher payment plan. This is when you may like to use another option which is available for you...
Line of Credit vs. Business Loans: Which One is the Best Option for You?
Did you know? When you receive a business line of credit, not only you gain easy access to a large sum of money for your investment, but you will also get additional benefits - like lower interest rates for your loan, the ability to track your expenses, and more benefits that will be available for you.
So what about a bad credit business loan? What are the key differences? Some of key differences are: fixed vs. flexible interest rates, long term and short term payment plans, chances of approval for small businesses, and a few more.
So depending on your credit history and the nature of your new business model, you can choose the one which offers you the most benefits.
Looking for an easy guaranteed way to get your Bad Credit Business Loan? Discover the secret to get your bad credit loan application approved in as fast as 7 days.
Check out these free tips on how to get the best quote for your Unsecured Business Loan - even if you have a poor credit history. You can save as much as 25% using these easy steps.

How To Make Money With YouTube Now


If you were to ask how to make money with YouTube you would most likely be told about the three methods shown below.
But before I describe these three ways I need to point out that there are also other profitable methods but which are not as well known.
The three typical methods include:-
Being A YouTube Partner
When you become a YouTube Partner you get access to extra tools that will help you promote your videos. And you can also have adverts shown on-screen whenever your videos are played.
When these adverts are shown, each time someone clicks onto one of those adverts, you will receive a commission.
Developing A Video Blog
By creating good content videos and uploading them to your YouTube channel, you will soon develop a wealth of resources in the form of your videos.
These videos can then be embedded into your own blog, which can then be developed into a Video Blog or VLOG.
Uploading regular fresh video content and embedding it into your Vlog will soon build into an interesting source of information or entertainment that can attract new visitors.
And then by monetising your Vlog with AdSense adverts and affiliate links you can soon be generating an income. You could even start to sell advertising space and create even more business for yourself.
Promoting Affiliate Products
Create interesting reviews of affiliate products on your YouTube channel, and provide links to those products so that people can find out more.
When people see the video that is promoting the product, they can then click on the link under your video to be taken to the product's page.
If they like the product and buy it, you will then receive a commission for the sale.
Drawbacks to These Three Methods
The above three methods can each generate an income for you, but each method does have drawbacks:
YouTube Partner. The commissions you receive from people clicking on your YouTube video adverts are small and so you would need to generate a lot of "hits" in order to make a significant amount of money using this method.
Vlogging. Uploading new videos and then using them to create a Video Blog can be very time consuming.
Affiliate Reviews. When you create an affiliate review and encourage people to click on your link to find out more, the link you provide needs to link to a website.
YouTube does not allow direct links to affiliate products.
Setting up your affiliate website and optimising it for best results, again, can be time consuming.
Of course, whenever you create your videos, it is important to make them interesting and "of value" to the people you want to attract.
Not doing that will simply cause those watching your video to become dis-interested and to switch to another one.
A good idea is to try to make each video special in some way so that it stirs a positive emotion within the person who is watching it.
There are other ways to make money on YouTube besides the three methods mentioned above.
But if you enjoy the process of video-making and you also enjoy seeing that other people enjoy watching the videos you have created, then that can make all the effort worthwhile.
And to see a video about how to make money from YouTube - using one of the lesser known methods where you do not even need to upload your own video - just click on the following link http://youtu.be/sGLIgg5YhH4

I Lost My Business Because I Never Opened My Mail


It seems like such a simple thing. Check the mail. Open the mail. Check the mail. Open the mail. It really is such a simple process, right? Then why do I constantly go into offices and they hand me a stack of unopened envelopes. As a business owner, you are constantly throwing money out the window when you don't open your mail. If you are too busy, get an assistant. Not opening your mail can cost you hundreds of dollars or even thousands! What seems like a simple and common thing is not that common to all. It's the little things small business owners don't know that can cost them the most.
Here are a few reasons why a small business owner should open their mail daily.
1.Returned deposit notice from your bank. Nothing could be worse than making a deposit from a customer and the check bounces. Regardless of all the technology these days, there are a lot of businesses who still write checks. The effects of a customer writing a check that bounces can cost you hundreds of dollars in bank fees. Once you deposit the customer payment and pay your bills you are at risk. At risk for $25 - $35 for every check you write that doesn't clear because of insufficient funds. And that's no chump change.
2.Past due license renewals. Most business owners are aware of when their business or professional license will expire. But just like a driver's license; when that due date gets near you forget. This small daily task can ultimately cost you the right to do business. Some licenses can be renewed simply by paying re-instatement fees but others may require you to re-take a licensing test first. More often than not I have worked with clients who failed to renew their business license which resulted in them being unable to bid on jobs needed to maintain their cash flow.
3.Notices from government agencies. This is the number one reason why you should open your mail. Government agencies do not call you about your account with them. They do not send you an email. And they definitely don't text you. They send you a good ole fashion printed letter. As a matter of fact they send you two copies. And when agencies such as the IRS send you a letter, you better believe you owe them some money. I worked with a client who had several unopened envelopes from the IRS and the state of Maryland when I started working on their account. Each letter was for a different year or tax return and each letter said they owed the government approximately $2,000 each. Collectively they totaled almost $10,000. And that was at the time they sent the letters, almost 2 years prior. At that point in time the $10,000 had grown because of interest and penalties added. Had they opened their mail regularly they could have avoided a huge tax issue.
All rights reserved. © 2012
For more small business tips, on how to keep your money in your business, go to http://www.asfinancialllc.com to receive the 10 Critical Steps to Building A Financially Successful Business From The Start and a subscription to our weekly finance success factor ezine directly in your inbox.

Advantages of Offsite Data Storage and Electronic Data Storage


Electronic Data Storage is carried out through a document management system (DMS). A DMS is a computer system that is used to store and track documents, which is in soft or electronic format. Electronic data storage also means keeping track of the different versions of the document, as uploaded by different users and systems. The term has some overlap with the concepts of content management systems.
Document storage was introduced way back in the 1980s. During this period, many businesses began to develop systems to track and store paper-based documents. Slowly and steadily, electronic data storage was also developed, keeping up with the amount of electronic data and documents that were being used. As time passed, the amount of electronic data increased by many folds. Businesses were facing difficulty in storing such huge amount of electronic data, as it required additional storage servers and space. This is when offsite data storage came into the picture. Offsite data storage meant that vendors, or specialized business rent out servers and space to organizations to store the required electronic data.
Electronic data storage provides storage, versioning, metadata, security, indexing and retrieval capabilities for the stored documents.
• A Metadata is stored for each document and image. Metadata are some keywords present in the document, which helps in easy search and identification of the document.
• Electronic data storage also involves online integration. Using this feature, users can not only view the document in the DMS, but also make changes, if required. The DMS will ensure that all versions of the document are saved.
• Indexing involves the tracking of the electronic documents. Indexing can be a simple task, but keeping the indexing based on names, or a complex task, by using the metadata as well. The more complex the indexing for a large set of documents, the easier will be the retrieval process.
• Storage of electronic documents includes management of those documents in different formats, different locations, and also the destruction of the documents, if required.
• Retrieval of the electronically stored data can be a simple, yet a complex and powerful task. The retrieval will be based on the keywords provided by the user, which will be used to search the stored document. They keywords will be searched in the indexed folder, and also in the metadata.
• An electronic stored data has to be in a format that cannot be altered easily. The data storage system or facility should ensure that an original copy of the document is always maintained, so that even if alterations are done, the master copy always exists. This is a very important criteria for high-end transactions and legal documents.
• One of the key aspects of electronic document storage is the document security. The data storage facility, specially the offsite data storage businesses have to ensure that the documents are stored in a safe environment, where the risk of plagiarism, theft, and damage is minimal.
• Another important aspect to be kept in mind is versioning. A DMC should maintain all versions of the documents, even if a minor change is made by any user.
• Document scanning services is critical when storing electronic data. While it is simple to store electronic documents, the electronic document storage business should know how large documents, like a blueprint, or building plan, can be printed.
To sum up, the basic requirements of an offsite data storage and electronic document storage requires the business to establish and create a procedure to:
• Review and approval of documents prior to release
• Ensure clear identification of changes
• Ensure records of all document versions
• Ensure that documents are legible and identifiable
• Ensure that external documents are controlled
• Prevent theft and forgery
Beant Bajwa writes articles for PHS Recordsmanagement, one of the technologically advanced offsite data storage company in the UK. PHS Recordsmanagement provides cost effective electronic document storage and document scanning services to its clients.

Tuesday, September 4, 2012

Til Debt Do Us Part


We have all heard the statistics - 50% of marriages in the US end in divorce. It's a shocking and a very discouraging statistic and one that has not changed much in the past three decades, according to recent data from the National Survey of Family Growth (NSFG). Marriage counselors and divorce attorneys will confirm that most couples list financial issues as a significant cause for their failing marriage. Especially in difficult economic times as the present, arguments over money can really bring most couples to at least alienation, if not worse. And without a doubt, one of the worst offenders from the money troubles category is debt. It is stressful and overwhelming.
But with the right approach, it can be managed.
Forget the blame. It does not matter much whether you are working towards repaying debt that you have accumulated together as a married couple or debt that one of you brought into the marriage. Concentrating on the fact that one of you brought more debt to the marriage is not productive and will not help repay those debts faster. Pointing the finger will not get you far either. Instead of thinking "Your debts will ruin us. You should really repay those debts as fast as possible!" say:" Let's see what we can do to repay the debts as fast as possible so we can concentrate on our long term financial goals". Remember you are now a team. Your spouse is not the enemy, debt is!
Create your family's financial plan together. No goal is successful without a plan. This is particularly true when your goal is to be financially free and repay your debts. To create a plan which will be followed by both partners, it needs to include input from both of you. Your family's financial plan needs to be realistic and something you could follow with your partner long term. Remember that your family's financial plan is not something set in stone and is an ever evolving plan that helps you get on the right track.
Choose the right person to manage the finances. Although in some families both partners are very financially savvy and frugal, in most couples one partner is naturally more inclined to be a saver and planner than the other. Sometimes opposites attract and it is not uncommon for two individuals who are on the very end of the financial management spectrum to form a successful union. If one of you is naturally more inclined to being a better money manager, it is an easy choice to delegate managing the finances to that person.
Practice common sense debt management. It is really quite simple - live within your means (below your means is even better), save, create a financial plan and follow it. For more detailed discussion on common sense debt management, see my previous post Do's and Don'ts When Getting Out of Debt.
Be transparent and communicate. It is not always easy to try and explain to your partner why it is important for you to buy a certain thing. It is very normal to have different priorities and disagree on discretional spending but one of the worst things a couple can do is lie to each other about spending and acquiring more debt. If you feel like you need to hide your purchases and are unable to explain them to your partner, then maybe that purchase is a case of emotional spending versus something you really need. When tackling debt, you and your spouse, as a family should be a united front and keep the lines of communication open. Being transparent will give you an opportunity to identify if there is a need for your financial plan to be adjusted.
Being debt free is much more than just a goal. It's a way of life that can make a ton of difference in your family dynamics.
So, don't be a statistic! Don't let debt ruin your marriage!
Timothy Mobley is a Louisiana licensed professional with over twenty years of experience in a wide range of financial products. Tim is committed to recommending the services and products that best suit the stated financial needs and objectives of a variety of individuals.
Timothy Mobley is involved in numerous associations and foundations. He is a member of the Leukemia and Lymphoma Society and Lance Armstrong Cancer Foundation, and the Challenged Athlete Foundation (CAF). Tim is a team winner of the Janus Charity Challenge and completed an IRONMAN triathlon in 2003. Timothy is a member of the United States Tennis Association (USTA) and competes in local tournaments.
Tim is also a dedicated Christian, father and husband.

The Vacation Sales Cold Call Script


If you have been hunting around for a cold call script, take a look at this one. The destination vacation is a big money operation. People who make 1,000 calls per week generally find 100 interested prospects that turn into 50 paid customers using scripts like this one. Everyone tweaks a word here and there in scripts and this one is no different. Sit with your sales manager for approval on the wording and then try this script out on your next 100 calls and see if it makes a difference.
"Hello, is __________ there?
Hello, my name is _________, calling from _______________ How are you today? (Customer's first name)
I see that you filled out a survey form and expressed interest in a Hawaii vacation.
Our company has just released our VIP Invitations for vacations to Hawaii and your name is on that list!
I am calling to make sure you want to take advantage of this discounted Hawaii vacation offer. Mr/Ms_______________________what do you think?
If you have pen and paper,I'll give you all my information so you can start planning.
Again, my name is ________ and this is through _____________________________.
This Hawaii vacation package is for 4 days and 3 nights on Maui. Your airline will be _____________________________. You will be staying at the Hotel __________________ for 4 days and 3 nights. If you need other airline arrangements we are a full service travel agency and we would be happy to search for another airline fare.
I know that we do not pay your personal expenses or any taxes and no service fees are paid. The last time I went, I believe I paid not more than $25.00 and I paid that at the hotel check-in.
I only have 11 vacation packages to Hawaii and I do have other calls to make to lucky people. Are you ready to buy this great vacation today?
The cost is $698.00 for two adults and must be taken within 6 months from today. As long as both of you are over 21 years of age, you are on your way to sunny Hawaii!
Do you have your credit card ready or do you need to discuss this with someone before you buy?
I'm only offering this one package today so you would need to buy today, but then again, take up to 6 months before you run off for a fabulous vacation!
Oh no, Ma'am, there are no hidden fees or charges. But now that you mention it, there is one thing that I would ask you to do. Once you get home, would you drop me a line and tell me what was the most exciting, the most beautiful or the most fun about this Hawaii vacation?
Yes, you can enclose a snap shot if you would like.
If you are ready to buy right now, I'm ready to take your credit card and get you all set up.
Yes, Ma'am, please read the numbers on your card.
I'll read that back to you.
Now if you would verify your address I'll get your things into the mail.
Wonderful! Now write down my name and phone number so I can answer any questions for you.
My Ticket Registrations department might give you a call to verify the spelling on your name or some other detail, I hope that is not a bother for you.
Okay, we are all set.
I will you enjoy that fabulous sun, sand and sea! Aloha!"
Invest your time and words into a script that deliver what you want to convey as efficiently as possible. Use a mirror and practice doing phone sales to yourself until all the words are comfortable and you can smile the entire way through. A great telesales script is extremely valuable.
Lee Anne Wonnacott has been working at various jobs since her teen years. Her business acumen is focused on people starting up their own businesses and new businesses that are less than a year old. She has a 2003 Master's Degree from the University of Phoenix. With an extensive business career and an advanced degree, Lee Anne conducts a no-holds-barred approach to solving business problems. She lives, plays and causes trouble in Oceanside, California. http://www.leeannewonnacott.com

5 Small Business Marketing Tips Every Business Owner Needs To Know


Having an arsenal of small business marketing tips can help you catapult your business to success.

As a business owner, you should be constantly searching for small business marketing tips that can be used in your business. This will ensure that your marketing efforts are always fresh and relevant. We have collected some of the best small business marketing tips that every owner should know.
Appeal to emotions because emotion almost always wins over reason.
In your marketing messages, whether they are print, online, video or other, appeal to the emotions of your audience. If you make your audience feel something, that feeling will certainly win out over reason. It is much easier to evoke sentiments than it is to win an argument.
Invest more in your online marketing that in any other type of marketing.
While there is more to small business marketing than online marketing, it is the most important component today. Increasing numbers of consumers use the Internet to research and make decisions on their purchases. If you do not have a solid online presence, you do not exist for a large portion of your target audience. Therefore, you need to make sure you have a great website; traffic is being sent to it; and you are working the leads you get from your online marketing. Effective online marketing takes time, commitment and consistency.
Maintain a dialogue with your clients.
Find out what you are doing right and what you are doing wrong, as well as what you are not doing at all by having a dialogue with your clients. To do so, establish and maintain Twitter, Facebook and LinkedIn accounts that you use regularly; do surveys; blog; visit industry forums; and more. Any time you have an opportunity to communicate with your clients and would-be clients, whether in person or virtually, do so. That is where you will find the most valuable information about what exactly they want and how you can meet their needs better. This is one of the most valuable small business marketing tips you can get.
Focus on existing customers.
Those who have already bought from you are very likely to do so again. Make sure that you have a marketing plan in place to stay in contact with existing customers and entice them to come back. It costs a lot less to retain a client than it does to get a new one.
Use word of mouth promotion.
Word of mouth seems very much like an old-fashioned type of marketing method and one that leaves a lot to chance. But in today's technological world, that is not the case. Offer incentives for existing customers to refer you to their friends and family. With Twitter or Facebook, it is easy to track who is being referred by whom. Make it worth the while for the referrer.
Work these small business marketing tips into the marketing plan for your business.
Known as "The Smart Simple Marketing Coach," the tech-savvy Sydni uses a results-focused, "how to" approach in implementing simple, customized strategies so service professionals create profitable businesses in which they enjoy the lifestyle they choose.
Visit http://www.SmartSimpleMarketing.com for your FR*EE training course, "5 Simple Steps to More Clients, More Visibility and More Freedom" and apply for a FR*EE "Profit Breakthrough" session with Sydni!

Ask and You Shall Receive - Practical Tips for Getting Discounts for Your Business


It's truly amazing what you can get when you just ask. Even though I'm going to focus on applying this to your business, this can also be applicable to other areas. My wife and I have found favor and received upgrades at the airport and at hotels just by simply asking for them.
In your business don't be afraid to ask for discounts - especially with vendors you do a lot of business with. In our furniture business we were able to negotiate a 5% discount with two of our major suppliers. 5% doesn't sound like a lot, but when you're talking about a higher ticket item like furniture, it adds up to be thousands of dollars per year in savings.
We also work with a warehouse that helps us with our shipping needs. We simply asked for a discount and they cut our monthly fees by 40%!!!
Remember, none of this would have happened had we not asked. If you're already in business take a look at all your expenses and see where you can "trim the fat" so to speak. Do some research on where you might be able to get items for your business at a better price. If you find another source that is less, see if your current source will match it or even beat it.
We saved a whopping 50% on wooden shipping pallets for our furniture because we ship nationwide just by shopping it around. My wife is a great negotiator and shopped around for a credit card processing company and got such a good rate that when telemarketers call from other processing companies they tell us that they can't come close to the rate we have. Again, all of this happened because we asked.
If you're just starting your business remember that everything is negotiable. Even though you may not be doing a ton of business with your vendors yet, you can still get a better deal by asking for it.
I realize that none of this information is brand new or anything you probably haven't heard before, but as a business owner even little discounts can add up quickly and make a big difference in your bottom line.
I am typically by nature a little more shy about asking so if you're like me, have your spouse or business partner ask for the discount or handle the negotiations. It really does pay off.

Sunday, August 26, 2012

Everything About Mortgages That You Should Know As a Beginner


What Is a Mortgage?
A Mortgage is usually a deal where a loan is granted on a condition that if the loan is not repaid within the stipulated time-line, the asset kept as security can be taken over by the bank/creditor. Usually under mortgage deals most of the times the secured asset would be buildings, estates etc. In a few cases mortgage loans are issued to businesses that are with low credit rating also, with an intention to take over in the future.
What to Look for Before We Finalize on the Mortgage Loan
There are couples of interesting points which are key for any person to understand and verify thoroughly before concluding on the mortgage loan and the institution from whom it should be taken. Usually banks will give loans basing on the value of the property and person's credit worthiness (usually proven with the salary statements and bank statements).
Loan Amount
This is a key factor of a mortgage loan other than the property that you want to buy. Basing on the building value, your income and credit score the loan amount will be decided. So the loan amount will be total asset value - the down payment you are ready with. This will again be scrutinized against your income and credit score.
Interest Rate
Usually in case of mortgage loans against a new house, the initial interest rates are low, but will increase further basing on the index plus the margin.
Loan Term
This is yet another interesting and crucial element of mortgage loan. If you choose to keep the tenure short, you will eventually end up paying a comparatively less interest. Ex: your total loan amount is $28,000 at an interest rate of 15% and with interest it is $32,200. If your monthly payment is 575$ and the interest portion is of $75, and the total tenure is 56 months. If you make the total loan payment within 36 months at a monthly payment of $778, eventually you will end up paying $2,700 (in 36 months) as interest in place of $4200 for 56 months.
Pre-Closure Charges
Various institutions follow different costs if the customer is closing the loan than the agreed tenure of loan.
Type of Loan
This is the most catchy part of any mortgage loan. What happens is banks will offer you 2 types of loans one is fixed interest rate, where the interest rate is slightly higher than the adjustable rate mortgages (arm), but these are most likely the same amount that you pay each month. This involves less fluctuation in terms of interest rate and there by the monthly payment. However, the other type loan is the arm where the initial monthly payment may be low for some time but then it is very much variant subject to changes in market. Having said that, each time there is a change in interest rate and monthly amount the customer will be given a flexibility to increase the tenure if he is not able to pay the monthly amount to the extent of hike that had taken place due to change in interest rate. This is an advantage compared to fixed price loans. Having said that, these loans are riskier compared to fixed rate, because these not constant.
So, no matter what type of loan that you go for, it's very important you understand the advantages and disadvantages clearly and also that the banks understands your true credit score.

Day Trading Forex Tips


A written trading plan or agenda to begin forex trading is the best thing you can do.
When you spot a possible trade set-up, calculate the risk/reward, look at your support and resistances levels, check your indicators, study the chart, decide if you would enter into a long or short-term trade. If all signals align and you feel comfortable placing the trade - then write down the entry price and stop-loss and place your order.
Some may think why should I write down my entries and stops? Well, studies have shown that people who write down their goals accomplish more in life than those who mentally set their goals. The same happens in trading. From personal experience - when a trade was not going well, I would mentally move the stop loss. Whereas when I wrote my stop loss on paper and on my order, it was executed. This helps build and maintain trading discipline. FYI - I use a yellow legal pad to write my trading entries. Studies have shown that the color yellow promotes better thinking. Just a thought.
Watch your trade closely, if need be tighten the stop or take profits. If the market is going your way and your trade makes new highs, keep your position. You may choose to add to your winning trade.
Day trading is great! You can trade forex from anywhere. To trade forex live, you need to maintain a positive mind and attitude. Let's go over some things you may have not considered which can help you stick to your trading plan.
  1. Concentration - make sure your trading space or office is private and quiet.
  2. Office - preferably with a window to allow for natural light which is easier on the eyes.
  3. Desk - should be neat clear of clutter. You just need your trading pad.
  4. Do not answer the phone - that goes for email, cell phone, chat, etc.
  5. Do not leave trades without your stops.
The key to accumulating profits is to protect your trading capital at all times. Make sure your stops are always in. When trading do not over leverage, use small positions. Never trade with money you cannot afford to lose. At the end of your trading day, go over your charts and plan for the next day.
Some other things to consider is joining a forex trading room, chatting with other traders, and/or follow an experienced forex coach who can provide you with some strategies.
For more information on forex day trading please visit our new blog http://forex.fxlivedaytrading.com/

B2B Telemarketing Vs B2C Telemarketing


What is the difference between B2B telemarketing & B2C telemarketing?

There are two types of telemarketing services, B2B telemarketing (Business to Business) and B2C telemarketing (Business to Consumer). Here is a brief summary of the similarities and differences between the two types of telemarketing.

The commonalities
First, the responsiveness of a potential customer is proportional to the confidence he has to you or the company you represent. It is therefore very important to maintain your credibility and continually reinforced. It is also of great importance to have a customer service outstanding. Moreover, it is critical to create and maintain a relationship with a potential customer. This maintains the confidence he has in you. All this applies to both B2B and B2C.
More differences than similarities
The term B2B telemarketing is on everyone's lips. When we make B2B calls, we make more use of the rational part of our potential customer. He will think long before going ahead with our offer. It will take time to plan everything. The sale process is long term. When we conduct B2C, it's more the emotional side of our interlocutor who is arrested. It will react according to its immediate need. So the sales process in this case is short.
B2B requires greater experience and rigorous, simply because customers have not asked the same language as B2C. These are decision makers and their decisions can change many things within a company. While B2C, decisions are important for the individual, but buying a sweeper will not change completely the life of our interlocutor. That is why the B2C requires no experience.
Which of the two types of telemarketing is more profitable? It depends on your vision, short or long term. It is therefore clear that in the short term, B2C telemarketing is more profitable, since the decisions of potential customers are made quickly. By cons, long term, it is more profitable to do B2B telemarketing. Even during a temporary promotion, B2B telemarketing is through the good help to be expected.
A disadvantage of B2B is that the number of prospects is limited. There are fewer companies than individuals. It is therefore very well target the markets you want to develop.
Side longevity of customer relations, it is clear that B2B relationships will last much longer. The reason why this relationship is longer in time is that initially the cost of the product or service provided is much higher than B2C.
David, for more than 10 years in sales and marketing positions in the IT industry. And if you are looking for telemarketing support - we will be happy to hear!

What Is a Business Continuity Policy?


When we talk about a business continuity policy, we mean something that leads to or contributes to the betterment and improvement of a business. It is literally a document that is created in order to suggest and transmit management expectations and business probability, particularly focusing on the long-term business continuity program performance.
The vital point in making a business continuity policy is for it to be signed and implemented throughout the entire business or organization through the efforts of the management to make the same as effective as it can be. It must also be noted that the general content of the policy statement must be fixed or consistent, devoid of constant changes. The same must be able to define and distinguish specific actions tasked to every employee belonging to the organization. Moreover, the same policy is the best source and reference when it comes to the overview of the objectives and mission of the entire organization.
Today, there are an increasing number of companies and organizations that are currently complementing policy statements with that of management reviewed charter as well as framework citation. The purpose of both the charter and framework is to offer and supply a greater level of detail for the purpose of clarifying how the organization will be able to conduct vital program activities. The said activities included both short and long term ones. However, there are also some organizations that express uncertainty when it comes to building a policy. So the only way to convince them is by way of comprehending and understanding the benefits and advantages of making and signing it.
One of the most important standards of any continuity policy is repeatability. Likewise, it serves as a very convincing factor in any organization when it comes to establishing the business continuity program. It must be noted that an interestingly and properly written policy names the main players as well as their responsibilities in the program. This in turn will provide tangible and very clear expectations for the group of people that includes the senior management and staff, business continuity personnel, and practically every employee involved in the organization.
A good policy additionally avoids the likelihood of the organization to throw away that much needed time in re-establishing or changing the image on an annual basis. What it does instead is push the same organization to stick to one set of principles based on its culture and operations, with one vision in mind for the ultimate objective of organizational resiliency.
Finally, a policy must be put on consistent execution. This is to ensure that the program will be able to effectively integrate with the strategy, operation, and risk management disciplines carried out by the organization in general. What we are trying to exemplify is the fact that if the organization fails to perform the necessary steps when training its people in relation to the updated business continuity plan, then the business itself will likely be put at risk.
Sebastian Cork specializes in information reviews, You can check out his newest internet site at Business Continuity Policy, in which he provides Business Continuity Institute

Monday, August 20, 2012

How To Develop An Effective Traffic Generator


Anyone who has a website or blog knows or will quickly learn that a traffic generator is the most pivotal concept for having a successful site; if you are trying to make a living or supplement your income in any way.
Search Engine Optimization for Traffic Generation
Search engine optimization plays a key role in web surfers finding and landing on your page so attention should be paid to optimization and of course, you want to gear that towards the heavy hitters like Google, Bing and Yahoo. But you also want to make sure that your optimization is not only cuddling up to the search engines, but is also targeted to the audience you are looking to engage.
Discovering and defining your target audience is essential. Web browsers are finicky and won't spend absorbent amounts of time on pages that are not interesting. Therefore you have a big task at hand when developing your traffic generator. Optimizing your domain, locating your audience and then keeping them coming back time and again are the key things to accomplish when blogging or owning a website.
Using Keywords As Your Traffic Generator
Once you have a solid idea of who you are targeting then it is time to think about optimizing and here is where many would be successful bloggers and domain holders fail miserable. Doing some research beforehand will prove to be essential. Optimization rests wholly in the key phases that you incorporate within your website and its domain and it is how people find you. It also influences your ranking on search engine sites. Thus, if the key words or phrases are not properly chosen, it is likely your site may never be found and will not be an effective traffic generator for you and your products or services.
There are some amazing tools available to help in your phrasing and word choices such as Keyword Discovery and WordTracker and it is highly recommended that you utilize them before choosing optimization words for your site. Keywords will impact on your ability to develop a traffic generator. When selecting your phrases, you have to find a good balance between unique and doable. Difficult words to spell and too common words should be avoided at all costs.
If a searcher can't spell what they are looking for, they won't find your website and if you choose a word such as 'women' the search results are in the millions and you will still get lost in the Internet abyss. Play around with these tools at length and find out what people are typing into their search engines and which words get the best results; then find a way to tailor those words and make them stand out.
You also want to define your niche and this too can be tricky. Many people search by exact phrases that suit their individual needs and this could allow you to tap into unchartered grounds and rank your site high. Therefore if your site is geared towards teens, place that word in your phrasing so that those looking for 'fashion for teens' will land on your site and not someone else's that just has 'fashion' or 'teens' as optimization words.
Many bloggers and site owners shy away from this tactic because they fear that being too narrow will lessen their audience; in essence this could be true, but that is usually not the case. If you want a traffic generator it is better to have 1,000 regular followers in your niche than to have 10 followers who don't really relate to your content.
Internet 'crawlers' are abound and your site should be in a form that searchers can find it. That means that your links and texts must be HTML friendly if you want an effective traffic generator. Computers and the Internet are smart but they can't read things like Java Script. Those need to be forefront and then within your site you can post other graphics; but the main goal is to get people to the site first.
Your site has to be easy to navigate as surfers are inpatient and don't have the time to search for what they want within a site. All the current happenings should be front and center in bolded text that is easy to read. Fancy texts and embedded links are flashy but are often missed or ignored so are not great as a traffic generator. Onlookers also want interesting things that are eye catching, so be sure to include lots of graphics and add definitions or explanations / descriptions of what the graphics are to entice people to click on them. This is especially true of pay per click sites that are used to generate income.
Be flexible in developing your traffic generator key words because much like fashion, sometimes what is in today is out tomorrow. Sign up for things like Google Analytics which will generate reports and keep you abreast regarding the traffic generation to your website and who is clicking on what graphics, ads and links. If you see that particular key words aren't working, work diligently to change them, even if you love that phrasing. Collecting thousands of useless links to attach to your site can also be useless if people aren't investigating them. It is better to have a few helpful and interesting links as a traffic generator rather than 100 that no one is interested in.
Dwight Harrison is an online marketer who has developed websites that rank on page 1 of Google and page 1 of Youtube, and with free web traffic increases sometimes over 1100% within three months. Using various tool he's developed a great traffic generation system. His aim very simply will help you to do the same and build a real free traffic generator. Simply visit here for more information: http://free-trafficgenerator.com/

Affiliate Marketing Strategies: Why You Need Three Key Ingredients To Make The Sale


Affiliate marketing can be a challenge. You may spend hours or even days doing your market research and digging up the right product. But once you send traffic to it, nothing much happens. What to do? Here's a three-step process that can help you improve your odds.
The Right Target Market
The key of course is to do the research and target the "hungry" market that is desperate for a solution to a pesky or persistent problem. That's a great start, but you need to check one more thing before you go crazy promoting your product:
Can that target market afford the product? And have they demonstrated the willingness to purchase products. Those aren't necessarily the same thing! And you need BOTH if you want to be successful.
The Warm-Up
Once you've made sure you have the right target market, it's time to warm up your visitors before sending them on to the sales page. What does that mean, and how do you do that?
It means to make them eager to purchase the solution to their problem, and purchase it now, from you. You've managed to assure them that what awaits them on the other side of the "BUY" button is exactly what they were hoping for.
And how do you do that? You can either create a special landing page where you work them into a froth of desire. Or you can create a special report where you essentially do the same thing.
You give them solutions, thereby demonstrating your trustworthiness, and you point out that they would definitely want the other solutions you have for them as well.
The Follow-Up
Finally, you follow up. How are you going to do that, you may wonder? You have to set up a squeeze page, i.e., a contact information collection form, where your prospects can sign up for your list.
Of course, these days, people are about as eager to sign up for a new list as they are to get their teeth cleaned at the dentist's. You need to give them something they really want in return. Like a great smile, if you're a dentist. Or an answer to a pressing question, if you're a marketer.
So when I mentioned the special report under "Warm-Up" that was exactly what I was referring to. The report is the ethical bribe. You should make sure you offer something your target audience wants, so they willingly give up their email address in return.
And then, you follow up, with more tips, a special offer or even a bonus. And before you know it, you're making sales.
So where can you get those reports that will help you make the sale? And what about those squeeze pages?
To learn about the easiest (and practically done-for-you) way to get started with earning commissions, request your FREE guide to easy commissions.

Marketing for Generation R


It's a tough place out there at the moment, and its widely believed that this current generation of kids/youths/young adults (delete the inappropriate) will be the first in modern history to be poorer and worse off than its parents.
So after Generation Y - Welcome Generation R (RENT).
As a marketing agency, we've been involved in youth marketing for some time now, and for us the 'back-to-school' promotional period is always really busy, but we can tell the times are changing. With less applicants uni, conflicting stats say Youth unemployment is up or down, and more fear creeping in with raising costs, everyone is looking at this space with a wide open and somewhat puzzled eye.
It's no way all doom and gloom though. According to Student Beans recent research 52% of students said if I really wanted something I will buy it regardless, and there is still an abundance of credit around. The critical thing is embracing new media and creating campaigns that are useful, different, have a personality, stand for what they believe in or at the very least be entertaining.
Social Media is key. It isn't a new wave of marketing. Soon it will be the only wave of marketing.
The physical world is shrinking. It is said that over 50% of young adults are scared of knife crime, parents don't send their kids down the park all day and say 'come home when it gets dark', just like you don't leave your back door open for the neighbour to pop in and help themselves to a cup of sugar. And yes, I know, you no longer get free milk at school and an afternoon nap, times change. But the point I'm making is that in this time, people are still doing what they always did, just using social media as a way to do it.
People want to make friends and connect, chat about topics they find interesting, share hobbies and exchange views, flirt, play, listen to music and social media is facilitating this.
People to make mix tapes, they make custom play lists. Don't collect badges of favourite bands, but 'Like' them. Don't pass notes around class they BBM. Its nothing new, just a new way to it.
Whats important for our customers... and yes... you could be one (if you have a marketing budget of course!), is that they either compliment the discussion, or provide something of value to draw people in. Think about those kids in the park. In my day the ice-cream van could stop me mid sentence and I'd be running screaming to spend my pocket money, but if a creepy guy I didn't know came up to us and interrupted us with an offer of something sweet, I wouldn't have embraced him with the same enthusiasm.
For a generation that are the first time demonstrating about themselves as the cause, rather than for someone else or a charity, you better make sure you have something relevant to say.
And if you need someone to help you say it... give us a call.
@jasonburrows