How to Pay for Your Home Improvement

You want to add a deck to your home to enjoy your evenings outside with your family and friends. You have cash sitting in your bank or you have a few credit cards that you can tap into to finance your home improvement. What is the best option? Should you get a Home Equity Line of Credit? Making the right decision is based on knowing various pros and cons of different ways to finance your project and your current situation. Even if you have cash sitting in the bank, it may not always be the best option.

If you have cash at hand, it should be earning at least 5% in a savings account. If you are not earning 5% from your bank, dump them and go to a bank that will give you at least 5% on your money. Search the Internet and you will be able to find a few online savings accounts, offered by well known banks like Citibank, Emigrant bank or HSBC that will give you a 5% return on your deposit.

If your credit is good and the project is small, search for a credit card that will give you 0% interest rate for a year. Apply online and get approved instantly. Within a couple of weeks, you will get your card and you will be able to use it for your home improvement project. You can use the same technique for store credit cards, Master Card or Visa. When you get a loan on 0% interest rate, make sure that you don't miss a payment. To avoid missing a payment, use online payments offered by many banks for free or the online payment option of the credit card company. Using an online payment, setup a scheduled payment plan for the monthly payment to the credit card. If you miss a payment, your credit card company will withdraw your 0% rate and may even impose a high rate on the remaining balance. So it is very important that you don't miss a single payment. Be aware that when you use a credit card to finance your home improvement project, you cannot claim any tax deductions on the interest you pay. Hence, it is extremely important that you retain your 0% interest rate till you pay off the loan.

If your home improvement project is a large one and you want to do it in stages, HELOC, or Home Equity Line of Credit, is a good option. Search the Internet to get the best rate. Find a bank that not only offers the best rate but also waives the finance charges. When you take a HELOC loan, you are essentially putting your home as collateral and the interest you pay may be tax deducible.

Refinancing your home is a good choice if you have a large equity in your home or you want to reduce your existing mortgage rate. Also, if your home improvement project will add substantial equity to you home, refinancing is an attractive option. You will also get tax benefits on the interest you pay.

Obtaining a second mortgage to finance your home improvement project makes sense if you get a low fixed interest rate and the interest rate on your first mortgage is even lower than the second mortgage. A second mortgage involves less paper works than a full refinancing.

Are you thinking about getting your money from your company's 401 (K) plan? Forget it. Don't use your 401 (K) plan money for your home improvement. A 401 (K) plan is for your retirement not for your home improvement projects. If you are not old enough (59.5 years or more) to take a distribution, you will have to pay tax and 10% penalty for any withdrawal from your 401 (K) plan. Borrowing against your 401 (K) savings is also not a wise choice because 1) you have to pay it back with the above average interest rate 2) money borrowed from your 401 (K) plan will not earn anything in your 401 (K) plan till you pay it back completely. On top of that, if you are laid off you will be hit with the tax and a 10% penalty unless you pay the remaining balance in one lump sum.

Don't make a decision on haste. Weigh the pros and cons of various methods discussed above and your current situation. Find the best way to finance your home improvement project using other people's money and without hitting your pocket book hard.

Paulina JenkinsAngelika Blog90562
Ally Blog86266

Opt for Outer Banks Vacation Rental: Be a Privileged Travelers

When we talk about Outer Bank, it reminds us about the miles and miles sandy seashore, historical attraction and many things. It is true that every year, many travelers choose Outer Bank for spending vacation. In addition, the enticement of the Outer Bank vacation rental abode is irresistible. Yes, if you want to enthrall the stunning beauty of Outer Banks not just merely a traveler, but as a privileged visitor, then, staying at the vacation rental abode in Outer Bank will be the best option for you.

If you want to head into Outer Banks in summertime, then staying nearby beach will be advantageous for you. Staying here, you can access beach easily. Besides, observing the changing colors of sea, seeing the majestic color of sunrise and sunset from terrace or balcony, exploring the night beauty of sea, all are the added advantages that you can enthrall, if you opt for vacation rental abode.

For holidaying with your whole family, reserve the condo that just apt one for your family. Similarly, if you make your vacation with your partner, then two bedroom apartments or cottages will be perfect for you. Here, it is necessary to mention that in Outer Bank, you will find out vacation rental abodes in various sizes and all condominiums provide ample place to travelers that is unimaginable in hotels.

Better service at a same price- this is the main reason, for which these days; travelers prefer staying at vacation rental dwellings in Outer Bank. Cooking food is not at all possible in hotels. Oppositely, at vacation rental condos, you can cook food in a well-furnished kitchen, where you can avail microwave, and all necessary kitchen equipments. In addition, availability of luxuriant living rooms, dining hall, washer-dryer at these abodes, will lead travelers to make a comfortable holiday.

And after sunset, if you feel tired; come back to your rental abode. Do not think that you will be bored over there. With a huge hoard of entertainments, your relaxation at vacation rental condo will be enjoyable and enchanting. If you are a book lover, then find out the book of your favorite authors from the huge selection of books at the rented abode. On the other hand, if you want to unwind yourself by listening to music or watching movies, then you can do it at vacation rental condos, as you can access CD player and music player as well. Apart from that telephone service and some rental abodes, accessing internet is also possible.

If you want to stay at vacation rental abode in Outer Bank, then do not waste time. Choose a vacation rental abode over the internet and enjoy your vacation in a new way.

Sylvestor Johnson is offering loan and rental advice for quite some time. He is working as financial consultant for ThinkRentals. To find Apartment rentals, vacation rental , Condo rentals, Rental homes, Beach house vacation rentals at cheap rates that best suits your needs visit http://www.thinkrentals.comAlvera Blog99353
Anette Blog31992

100% Shared Ownership Mortgages

As UK house prices have escalated out of the reach of the first time buyer many people have had to resort to moving into rented accommodation to get a roof over their heads. An Englishman's home is his castle and with the average UK mortgage now being in excess of 197,000, it is now an extremely expensive commodity and the dream of owning your home is looking bleak for the first time buyer.

The truth is that house prices have outstripped incomes and as a result affordability has become a big, big problem. All is not lost, so, what are the alternatives and how could you become that homeowner?

Let us look at some alternatives that could be considered: -

* Shared ownership
* Parent guarantee schemes
* Buying with friends
* Shared equity schemes

Shared Ownership

If you are unable to buy a property outright on the open market, then shared ownership is the ideal solution for you. Shared Ownership is a part buy, part rent scheme, which enables purchasers to buy a home in stages. Purchasers can buy an initial share between 25% and 75% of the value of the property and pay a subsidised rent on the remaining value of the property. Shared ownership properties can be provided by housing associations, housing trusts and local authorities. These organisations try be as flexible as possible with regards to the initial share purchased, but this may be as much as 50% of the market value at some of their developments.

A service charge will normally be payable to cover the cost of communal maintenance. The service charges payable can remain the same whatever percentage you own of your home and continues to be payable should you purchase your home outright where possible. You will need to have sufficient savings to cover the initial cost of home ownership: legal fees and stamp duty for example. You will need to be able to meet the costs of rent, mortgage, service charges and other associated outgoings.

As your income increases, you can buy further shares of your home until you could own 100% of the value and no longer share the ownership with the housing association or trust. The greater the percentage you own, the lower the percentage on which you pay rent. However, if you do not wish to buy more shares in the property, you do not have to. Obviously, the more you own, the less you pay in rent. And, if you can buy your home outright in the future, then no rent will be payable.

100% Shared Ownership Mortgages

Having found the shared ownership house of your dreams a good whole of market mortgage broker should then be employed to find the best and cheapest mortgage. Careful searches can reveal 100% shared ownership mortgages that will not require a deposit, even if you have an adverse credit history.

Finding the right mortgage is a very important financial decision in life as it is more often than not the largest single expenditure in people's lives! People will often search the supermarkets shelves for bargains choosing products for the sake of a 1p or 2p saving per item and there's nothing wrong with that; I do it all the time.

Our parents teach us to be frugal with money in our up bringing and we sometimes become animals of habit throughout our lives. Through the generations, inflation has seen prices increase ten fold and who would have thought years ago that the price of a loaf would touch the 1 figure.

The same can be said about UK property, as the housing market has exploded and the average mortgage has gone way above the 197,000 figure. This is before we align our currency and interest rate with the euro. Ireland has seen a massive explosion in property prices in the post years of joining the euro and it is now an extremely expensive place to buy property.

Consider this as a normal mathematical comparison. A 2% saving on a 100,000 mortgage works out at 2,000 per year and assuming that this saving can be made every year by remortgaging and moving the mortgage to another lender, it equates to an astronomical 50,000 saving over the normal mortgage term of 25 years. It just doesn't make sense to be putting an extra 40 per week into a lenders pockets when they already make billions of 's net profit per year.

Most of us have all experienced hard times at some stage in our lives and received letters from banks telling us that they are going to charge us 27 for bouncing a cheque or non payment of a direct debit or standing order. Now is the time to hit back and take some of that money back from them by taking advantage of the discounts that they have to offer to borrowers.

So, if there is massive saving around like that, why do people not remortgage more often?

Surveys conducted by lenders have identified that some people are just not aware, whilst others have said that they just could not be bothered. Some people have stated that the mortgage market is just too complicated.

Well, the range of UK mortgages has increased dramatically over the past few years. Although this increase in mortgage types has added complexity, it has also introduced fierce competition, which has in turn resulted in the availability of some very attractive mortgage products for the customer. With over 10,000 mortgage products to choose from, how do we ensure that we get the best mortgage and remortgage rates?

Employing the services of a whole of market mortgage broker (the equivalent of a supermarket) can pay dividends here, as they have sophisticated computer software to narrow down the best rates for buying with friends, shared equity schemes, parent guarantee schemes and 100% shared ownership mortgages.

Joe Kocsis has over twenty years of experience in the UK Financial Services Industry. Follow this link http://www.mortgages2.co.uk for further information.Alethea Blog12064
Allys Blog15947

How To Conduct Meetings Like A Top Performer

Everyone participates in meetings or is the host of a meeting. Many are productive and others are a complete waste of time. We have developed a list of techniques for planning and holding effective meetings that will turn you into a top performer in your profession and organization.

1. Define meeting objectives. The meeting should have a specific purpose that you should communicate before you start.

2. Create an agenda. List what you want to discuss and who will lead those discussions. Put topics that require the most brain power first.

3. Do research before the meeting. Know the audience. Anticipate attitudes and positions. Speak the language of the participants.

4. Invite the right people. Invite individuals who can contribute to the meetings discussions and decisions.

5. Schedule breaks. Nobody can concentrate on a business meeting forever. Have a 15 minute break every two hours.

6. Open with a brief statement of the meeting purpose. Your statement should be short and to the point. Never express your opinions in the opening statement or participants will think they are only there to approve your ideas.

7. Lead the meeting. Many people are afraid of taking control. Everyone wants a leader and you should take charge of your meeting.

8. Start on time and finish on time. A perfect way to establish your control of a meeting is to start on time. Each item on the agenda should have a time limit. Stick to it religiously.

9. Make sure the meeting is formal. Stick to this rule and you will make decisions by a majority and not by loud vocal minority.

10. You decide who speaks. This way all opinions will be heard. You will be able to silence the domineering participants and draw out the silent ones.

11. Never lose control of the meeting.

12. Never take notes yourself. You will be able to deal with questions immediately rather than being distracted.

13. Provide written documents. At the meeting summarize the document, do not read it. Make sure the meeting is used to answer questions and make decisions. The meeting is not used to review what everyone already knows.

14. Document action items. Deal with issues one at a time. Document what items must get done before the next meeting.

15. Move quickly through topics. Do not stay too long with one topic or participants will begin to think nothing is getting done.

16. After a particularly dull meeting, assign one or more people to prepare arguments against the prevailing viewpoint for your next meeting on the same topic.

Copyright 2006 Dennis Sommer

Dennis Sommer is a widely respected and world renowned authority on sales, business development and leadership performance improvement. He is a leading adviser, author, and speaker providing clients with practical strategies that improve personal and organization performance. He has held numerous consulting, sales, and leadership level positions with Accenture, Jo-Ann Stores, and CA, Inc. Dennis is also founder of two successful technology and management consulting firms. Please contact Dennis at: dennis@btrconline.com or http://www.btrconline.comAila Blog83372
Aurel Blog96291

Traffic Building Look Out For The Potholes

A website is only as good as the number of visitors it attracts. You need visitors to be successful in marketing and selling your products or services. Without traffic even the best looking website is doomed for failure. Unfortunately there are many scams on the internet designed to trap desperate webmasters.

You finally have your website published and you are as proud as any parent would be of a new addition to the family. Well, nearly as excited. You cannot wait for visitors to flock to your site and to gulp up everything you have to offer them. You expect to hear the cash register ringing all the time. You expect to sit back and watch the money roll in. After a while you cannot help but acknowledge that nothing is happening and that you are probably the only visitor to your website. Sounds familiar?

The above scenario is all too common on the internet and most successful webmasters started their first website anticipating huge results that never happened. They only started to become successful once they realized that the internet is not a get-rich-quick scheme but that building a successful website takes time, dedication and hard work, like any other business.

As soon as you realize your website is not getting traffic you reach a crossroad You can take the straight and narrow road that requires more work, but that will take you to your destination, or, the broad road that seems easier to travel on but is actually only a mirage.

Many internet marketers make the mistake of taking the broad road, the easy road. It looks easy at first glance but turns out to be a road leading to nowhere. A typical case of good from far but far from good. Taking this road often involves doing business with dubious sites promising you huge amounts of traffic in exchange for cash. Money that you can often not afford to spend but feel obliged to spend thinking it is the only thing you can do to get people to visit your site. It is the same as a musician giving free tickets away to his concert in the hope that people will buy his album once they have heard him. Actually it is worse. It is more like a musician paying someone to get people to visit his concert. He does not really know where these people come from and are not sure at all whether he will sell any albums to them. If he does sell some albums then he normally does not even make enough money to reimburse himself for his initial investment in getting people to his c!
oncern.

This may sound a bit dramatic but is happens every day when internet marketers start getting desperate for traffic. There certainly are sites out there that will deliver the traffic at the right price. Problem is that it is not the type of traffic you need. You may end up getting many hits but dont be surprised if you get no sales as the people clicking on your site are often poor people in third world countries that get paid cents to click on sites but will never buy anything on the sites they visit. Sad but true. By the way, never subscribe to sites that offer to click on your Google Adsense adverts in your website. Such clicks are fraudulent. Google will find out about it and you may be banned from ever using their tools again.

There are many schemes out there designed to trap desperate webmasters. As a rule, do not spend any money to obtain traffic when you just start out. There is an enormous amount of valuable and free information on the internet that will help you to grow your business. Read up as much as possible on the internet and if you feel a need to invest money at a later stage in legitimate programs like Google Adwords you will be able to make an informed decision.

Remember that if something sounds too good to be true that it normally is too good to be true. Stay on the straight and narrow road and you will reach your destination.

Francois du Toit is the owner of http://www.money-maker-advice.com, a website designed to help new entrepreneurs succeed by evaluating various online and offline business opportunities, affiliate programs and network marketing options. The website also offers free articles and tools that will assist webmasters in building profitable websites.Allison Blog20899
Aubine Blog47562

Building A Four Seasons Sunroom

Building your own four seasons sunroom could save you money, but it is something that you want to carefully consider. Make sure that your expertise and experience will give you the proper tools that you need to build a sunroom that you will enjoy for many years to come.

It used to be that you would have to hire someone to build a four seasons sunroom for your home, but that is not necessarily the case now. Now, many companies are offering four seasons sunroom kits that will allow you to build your sunroom yourself from a kit. This will save you quite a bit of money over hiring a contractor and paying them to build your sunroom. This can help you to save up to half of the cost of your sunroom expense. You can also save money on materials, too, because you can choose the materials and features that you want to include. There are some things that you need to understand before you being your journey on building your own four seasons sunroom, however.

You first need to understand that the cost of your four seasons sunroom kit will depend upon your own specifications and needs. If you are going to be building on an existing patio or deck, then you will find that your cost will be less than having to choose a location and build a foundation. If you are building your four seasons sunroom from scratch, then you will first need to determine where you want to put it and then you will have to prepare the location for your construction of the sunroom. This will take more work and effort, but you can do this yourself if you do choose or you could have a contractor come in just for this part of the process so that you will have a proper foundation on which to build.

Choosing Your Sunroom Kit

When you are choosing which four seasons sunroom to order, you want to understand that these plans are not designed to be connected to your existing home’s heating and cooling system. If you want your room to be heating and cooled, then you will want to consider having a professional to construct your four seasons sunroom. You can use baseboard heaters and fans to help keep the temperature at a constant level if the weather is not full of extremes. This will all depend upon your climate and your needs.

A do-it-yourself sunroom kit may seem like a good idea, but you have to take into account your own experience and expertise. If it is not a project that you feel entirely comfortable with, then you may be better off paying someone to build your four seasons sunroom to help ensure that you will be satisfied with it and will be able to enjoy it for many years to come.

Adam Peters writes for http://www.allsunrooms.com . A website with tips on four seasons sunrooms, and many related topics: http://www.allsunrooms.com/fourseasons.htmlAlli Blog79971
Aleda Blog4968

A Smart Way To Start Online Business - Take A Full Advantage Of Freebies (1)

Maybe you have just started doing online research for your internet business or maybe you have been looking around online and getting tired of the endless digging, purchasing and reading those get rich quick ebooks for a little, or nothing of results.

There are simply hundreds of websites out there selling money marketing tricks, suggesting that they can teach you how to make tons of it online in 30 days, two weeks, or even in two days if you buy their secret ebook.

But each time you have purchased any new ebook, you were left disappointed, feeling you had wasted your money and your time again.

You are drowned in Internet information before you know how to do business online. You havent found out how to make money, yet your credit card has already been charged to the max by random buying in the hope of purchasing something clear.

Now you are looking at your monthly statement wondering if you should stop and give up your dream to have an online business.

You Are One Of over 90% of Futile Online Marketers If You Give Up Now!

Dont stop right there! Really, you dont have to spend a single penny to purchase any ebooks and programs at the very beginning without knowing exactly what you need to know, and what is in their book.

You could spend a lot less money and time looking for the free information instead.

What is the good thing about freebies?

Like the purpose of the movie trailer, a freebie works in the same way. In order to attract the readers attention the promoter has to partially give away a part of good information, even through the rest remains crappy in the book. Then, other competitors will have to give away different bits of information. You can take full advantage of their competition and get all the freebies they give away! You have full control on all the information, and choose what is good for you. And it is at no cost at all!

Information not completed?

There are plenty of freebies online thrown at you by information product promoters. They are like pieces of a large puzzle, finally when you put the puzzle together you will see a clear picture of online marketing.

Some times the promoter only gives away the Content Guide of its book, dont look down at it, you dont need to read a book back to back to learn what is in it, the content guide in most cases is like a guideline or a checklist showing you the most important information in one or two phrases.

In fact the freebies out here are more than enough for you to make your own judgment on What and How to start your online business,

When you are clear about what you dont know in Internet marketing, you just follow the link in the particular puzzle, and by digging deeper you can find the exact missing information needed with limited cost, time and disappointment.

For more information about free information downloading, please visit:
http://www.smartnewbies.com
http://www.webaudiorecording.com

Ying Wang is a founder of Stimulus Communications a Montreal based marketing company. He is a street-smart about marketing and advertising strategic planning, experienced in the production of both traditional and digital marketing media. Ying was awarded a Masters of Art History and Art Technology from the National University of Kobe, Japan, and was also awarded a professional degree in Multimedia Design from Montreals International Academy of DesignAlys Blog20384
Alysa Blog80769

6 Techniques To Beat Credit Card Debt

Did you know that credit card companies don't want you to pay off your credit card debt? Why would they? The more credit card debt you have, the more interest you pay to them. And interest is their lifeblood.

Credit card companies have helped to foster our acceptance of debt as part of our lifestyle. We keep spending more than we make by about 10% each month and keep adding to our debt. As those credit card balances keep growing month after month, so too do those minimum monthly payments. There will come a time when we will not be able to afford even those minimum payments. Many people have already reached and surpassed that point.

We have fallen into the credit card trap where we get sucked into the convenience of it all, easily put off payments, and overspend. Have you compared your monthly income to your monthly credit card limit? Pretty remarkable how much larger your card limit is. We use credit cards for just about everything and we have maxed out. The convenience has lulled us into the credit card trap.

So how do you break the cycle? It's all about changing your attitude towards credit card debt. Here are 6 techniques you can use to turn the table in your favor and allow you to break free of credit card debt.

1. Treat your credit card spending as a loan. Most people dont see their credit card debt as a loan. It really is just that. You borrow money and it has to be repaid. Its all about an attitude change.

2. Always watch your balance. Instead of looking at your credit card limit, look at your monthly earnings. Always make sure your credit card balance doesnt grow beyond what you can afford for the month.

3. Keep all your purchase receipts. Costly errors can be fixed quickly if you have the receipts. Also, they help you visualize how much you are spending. Put the receipts some place where you'll see them everyday. As the pile grows, you can see your debt grow.

4. Pay off your whole balance on time each month. This is the best way to break free of credit card debt. You dont pay interest and there are no late penalties. Over time, the savings can be huge.

If you're struggling to pay off your credit cards, there are many different options that can help for example, you can consolidate credit card debt or get credit counseling. They can make it easier to get a grip on your monthly payments.

5. Treat your credit cards as emergency cards. Don't take them shopping. Use cash or debit cards. If you use cash or a debit card, you can drain your bank account until it's empty but at least you can't spend any more. Amazing how in our society, we aren't comfortable about having our bank account balance go to zero but we'll let our credit card debt grow which, in effect, is taking our bank account below zero.

6. Keep your lowest interest rate credit card and cut up the rest. If you dont have them, they cant help you add to your debt.

The credit card companies have you right where they want you carrying high balances and paying lots of interest. However, by changing your attitude towards credit card debt and using these 6 techniques you can break free.

Thomas Erikson is co-founder of http://www.your-debt-consolidation-loan.com which provides http://www.your-debt-consolidation-loan.com/consolidate-credit-card-debt.html information and solutions.Almira Blog82432
Angelita Blog76338

Cadillac Car

After the formation of Cadillac automobile company, the first car was manufactured in October 1902, and from then on the company never looked back! It was supported by its own precision manufacturing and reliability, which made their service a better one in a huge slew of cars in American market. In 1909, it was purchased by the General Motors, and was devoted to manufacture large luxury vehicles.

Production and Sale of Cadillac during 1950s and 1960s

The popularity boost for Cadillac in 50s was strengthened by several developments in the 40s. Cadillac had returned to manufacture prestige cars exclusively after 1940; style changes like the inclusion of tailfin styling for 1948, overhead-valve V-8 for 1949, and hardtop convertible body style were also incorporated. 1952 was the 50th year for Cadillac, and they celebrated it by manufacturing 1, 300, 000 number of Cadillac cars all over! The year also marked Cadillac as the most powerful car in the American automobile market. Cadillac epitomized its design techniques and engineering in the year 1959it is believed that no single automotive design can outclass the 1959 Cadillac design. It had almost everything: Large tailfins, twin bullet tail-lamps, power brakes, power steering, automatic transmission, and dual backup lamps, etc.a perfect combination of elegance and engineering mastery!

The 1960s were the start for an impressive styleCadillac gained more grace and elegance, and some engineering advances were also introduced. The automobile advancements were further introduced in almost all the models of 60s, and in 1965, Cadillac produced nearly 200,000 cars. 1966 marked the best sales year of Cadillac, breaching the 200,000 mark by 5,001 cars. 1967 saw the launching of Cadillac Eldoradothe finest model of the decade!

Mass manufacturing had been a salient feature of Cadillac cars, and this amply describes their popularity among the American crowd. It is utterly impossible to think America of 50s and 60s without the sound and glitter of Cadillac cars making their movement on roads!

Ray Taylor

http://www.FreeCarsNetAds.com

Ray Taylor has been a gear head since he was 12 years old. He has put on the San Diego Auto Swap for the past 16 years. He also owns a few auto related web sites.Alisa Blog82694
Ange Blog55738

Budget Air Travel

Like eating and breathing, travel really is an essential part of life. Even our ancient ancestors and early civilizations knew the importance of moving from one place to another. Without travel, we become stagnant. Without taking in astonishing views of natural wonders, and meeting incredible new people, we become overwhelmed by stress.

Air travel, with its breathtaking speed and limitless destinations, is by and far the best choice for adventurous people who need to feed their passion for travel. But there are other considerations, including the travel budget. The money in your pocket, backpack or luggage has to cover all food, hotel accommodations, boarding expenses, sightseeing trips, souvenirs and a lot more. Money can put tight restrictions on where you travel to, unless you choose to take advantage of budget air travel.

Smart travelers are not necessarily thrifty when they travel, but they are wise with their money and budgets in general. Being able to estimate all possible expenses that you will incur over the entire duration of your trip can help you get the most out of your travel budget. Avoid circumstances that can make you fall short of cash. If you are traveling alone and you run out of money, you have no one else to rely on for help. It is important to allow yourself an ample amount of cash, and be prepared for the unexpected.

Traveling with a budget airline, or taking advantage of discounted rates, is a great option for the smart and thrifty traveler. Here are some tips to help you fully enjoy your budget air travel experience:

* Make an initial assessment of fare rates. List and compare various airlines to find affordable rates. Remember that you can't put a price on your convenience, and keep in mind that you must enjoy the trip and be comfortable with the services offered.

* Look for an airline with cheaper fare but proven service. Practicality doesn't necessarily mean going with a first-class airline company. If you find an airline that offers a lower fare with great customer reviews, go for it.

* Go for package deals. Check the available airlines for current and upcoming promotions. If you can determine the exact number of days that you will be away, you can save by booking your departure and return flight at one time. Taking a package deal is also a big help if your return fare is paid for ahead of time.

* Travel in a group. If possible, plan to take your trip with your family or a group of friends. Discount air travel is often possible with group rates. The total fare is divided among the members of your group, and each person will pay a little less.

* Use the Internet to search for discount air travel rates. Airlines will provide actual fare quotes online, and offer full descriptions of their services. Numerous websites are available to help you compare rates, find the best quotes, confirm prices and even book the flights.

When you're taking the trip of your dreams, the last thing you want to worry about is money. Budget air travel is an excellent way for you to see the world and stay within your means. You won't need to cut yourself short, just be realistic and spend your money wisely.

Patricia Miller contributes to several online magazines, including http://products-center.com and http://mygud.comAlla Blog78343
Alene Blog35724

How a B2B Business Loan Works

A B2B business loan essentially begins with the person who wishes to start their own business or enhance the business that they are now operating. A B2B business loan should start with research as many different interest rates apply, time to do pay back, and of course it is important to be able to renew the loan.

The most requested is the unsecured business loan. Meeting the requirements might pose a pose a problem unless you have a very good credit score of a minimum 680. You must also have a lower debt ratio in order to get a higher loan amount. The B2B business loan for those who are seeking an unsecured loan must have good credit. There are benefits that make it easier for a business to obtain the loan with good credit. The following benefits apply:

NO Collateral is required.
NO Financial statements are required.
No Business plan is required.
Quick approval usually within about 72 hours.
Complete freedom on use of loan proceeds.
For this program you must have a Dun & Bradstreet number, high payday, and comparable credit.
Minimum low 4 daily balances in your business bank account.

The average interest rates will fall between prime +3 prim +9 which depends on your credit and debt ratio. The terms of this type of B2B business loan normally are $1100-$1600 a month per $50,000 financed on a 5 year term dependent on your credit.

We have researched several B2B business loan financial institutions and found that Noble Financial is the leader in obtaining unsecured business loans. They currently have business in all 50 states. Business owners do not have to pledge personal or business assets to receive approval. There will be no liens or UCC filings. Noble Financial boasts that using their facility is a powerful alternative to visiting your local bank. An unsecured business line of credit is an extremely valuable business tool that most business cannot afford to be without. Lines of credit can be renewed indefinitely which is most certainly a tool used by most business owners.
The mid size and large business owner usually has multiple means to secure a business loan with or without any collateral. The smaller business person on the other hand had problems. The problems in the beginning were many as no wanted to risk loaning to a small business. The federal government started offering grants to help but this took a lot of work to get and maintain. Finally, major companies like Visa, MasterCard, and American Express saw the advantage of B2B business loans. These companies already accommodated the consumers with their charge cards. After careful consideration a plan began to help the small business person.

At the heart of commerce is a driving force called MasterCard. MasterCard enabled trade bringing insight into the payment process. B2B Business loans only seemed natural to a unique company like this. Not only would they profit by loaning to the small business person but they could place their charge machine in their business and make money in that manner as well. Today it is noted that MasterCard has business in over 210 countries. They offer rewarding, secure, and convenient payment solutions.

MasterCard developed a unique three-tiered business. The customer is always at the core of the companys strategy. It did not take long before the other charge card companies followed suit making B2B Business loans for small business a lot easier and much more convenient.

The focus became clear customers come first. The company developed a unique team that developed a unique method to provide a single point of contact which unified partnerships for mutual success and data mining capabilities. The first tier was to do with Franchisor. MasterCard through thousands of financial institutions markets a strong portfolio of brands and products worldwide. The B2B business loan for the small business now became very easy to obtain. More people wanted to go into business for themselves. The franchise companies were Maestro, Cirrus, and MasterCard PayPass.

The second part of the tier very important was the processor. MasterCards streamlined and intelligent approach to processing put the company on a worldwide scale in commerce. The speed, integration, and reliability were what the B2B Business loan for small business needed. The third tier provides industry-leading insight to solutions that made payment paying process faster, more seamless, more secure and much easier to track. The B2B business loans finally became easily accessible to the small business man. The process for the business person to get the loan was made simple and not that complicated when applying for the loan. The loan could be partially secured in some cases depending on the business persons credit. For the business person these are exciting times, a great time to go into your own business.

This article has been supplied courtesy of Bill Darken. Bill often writes for B2B Business Factoring. This site is dedicated to supplying the latest news and articles on small business factoring to assist people progressing with information and news. You can also look for small business information at small business answers. Small Business Loans are accessed at, http://loans-only.com/Abra Blog23382
Anne Corinne Blog61283

Advice on Buying Austrian Property

Austria is located in central Europe; it joined the European Union in 1995 and entered the European Monetary Union in 1999.

Up until Austria's entry in to the EU there had been a number of restrictions on foreigners owning homes in Austria with permission needed from local authorities.. However, these laws are to be reviewed to fall in line with the rest of Europe.

When considering purchasing a property in Austria it is a must to remember that overall the costs associated with property in Austria are higher than any other country in Europe. In addition, the cost of living in Austria generally is higher than any other country in Europe at the present time.

Property Prices in Austria Guide

Prices vary, for example:

From 50,000 to 79,500 for a studio apartment

From around 70,000 to 93,500 for a 1 to 2 bedroom apartment

From 80,000 to 111,000 and up for a 3 bedroom apartment

Detached homes from 180,000 to 250,000

Where to buy

Austria boasts some of the best ski areas in Europe and as such these areas are popular with foreign buyers, especially as holiday homes. The main areas of population in Austria remain around the Innsbruck, Salzburg and Vienna regions which make up about 70 of the sale price;

Property transfer tax of 3.5.

Property registration around 1

Land registry fees averaging a payment of around 300 to 420.

Taxes

Will be between 0.5-1 of your net worth irrespective of your resident status is charged for Austrian property owners.

Finance can be arranged through either international brokers or from an Austrian bank for both residents and non-residents with variable interest rates and payment terms being available.

These guidelines are meant for guidance only and describe a straightforward purchase scenarios. However this information is not meant to replace proper legal advice, which we always insist you take.

John Everitt is a consultant to http://www.globespanproperty.com/ Globespan European property portal. Please visit http://www.globespanproperty.com/agents_directory.php our estate agents directory and http://www.globespanproperty.com/guides/austria.html this Austria buyers guide Aurilia Blog88629
Adrien Blog60710

The Best Way To Find Inexpensive Dental Plans

Whether you're aware of it or not, there are still inexpensive dental plans available out there. The difficulty that most people have in finding them is that they're still looking for traditional dental insurance, which, unfortunately, is not the way to go nowadays.

A few years ago many people were able to get dental insurance through their work, but now most employers simply can't afford dental insurance, or health insurance for that matter, which leads many people forced to find something in the private sector or pay full price out of pocket for their dental work.

The inexpensive dental plans at all is referring to are not dental insurance, but are known as discount dental plans. Discount dental plans, also known as dental discount plans, are simply a discounted fee-for-service program were certain qualified dentists will give substantial discounts to their patients if they'll pay cash at the time of their visit. If you think about it, this is an excellent deal. The me give view an example of the type of savings that you can enjoy by using a dental discount plan.

Let's just say that you are in need of Single Crown - Porcelain on Noble Metal. Now this is only an example, but this should give you a general idea of what you could expect by buying one of these inexpensive dental plans. The usual cost for this type of procedure would be in the range of $850.00, however, by using one of these inexpensive dental plans, and paying cash at the time of the visit, you can reduce your cost only down to $455.00. That is a savings of $395.00 off of the regular cost just for paying cash when you see the dentist.

This particular example was based on the Scottsdale, Arizona area. Your actual savings could be more or less, depending on the area in which you live. Savings tend to be higher in metropolitan areas because there are more dentists there and they are more competitive.

The cost for this particular plan is only $119.95 for an individual or $159.95 for a family for an entire year. If you deduct $159.95 from the $455 savings in the above example, you'll end up with a total savings of $295.05 just on this one procedure alone.

If you're an individual and deducted $119.95 from the $455 savings, then your total savings would be $335.05 off of this procedure. Keep in mind that you still have the entire year to get any other dental procedures taking care of that you might be in need of. I recommend that you take the opportunity to look into these inexpensive dental plans.

Joe Stewart is a former Life And Health Agent that now works for himself by helping others. Watch the new video "Dental Discount Plans vs Dental Insurance" by visiting http://www.Discount-Dental.net.Almira Blog82432
Anselma Blog25644

Bias-So what else is new?

Have you ever notice how biased the media is? Lets look at the press for the moment. The New York Times is thought to have a liberal bias. How do you go about checking it out to see if its true? What you have to do is take a look at whats being published thats negatively based, and when is it being published.

Lets say Bill Clinton was in office, and something particularly bad happened, but the Times wanted to portray it in the best possible light. No, lets go one step further; lets say they had to portray it in a bad light. When would you publish? You would do it on the day of the week when you had the smallest print cycle. For the Times, theres nothing like the Saturday edition.

Saturday is the day when nobody reads the paper. If you have to print something that you would rather not print, stick it in the Saturday edition. If you have to print something good about a guy you inherently dislike, stick that in the Saturday edition as well. I find it fascinating to take a red heavy duty pen, and just mark up the Saturday editions of the newspapers to see all the news thats fit to print, but especially on Saturday.

You may be aware that the Wall Street Journal recently started printing on Saturday as well, so we have a new kid on the block, and they are part of the game as well. The print media is not only biased due to political orientation, but also financial orientation. Its pretty tough to be very hard on corporate entities that are giving a fortune in advertising on a regular basis to the newspapers.

A perfect example of the hand that feeds the bird concept of publishing is the car industry which spends a fortune on advertising. If you ever look at car magazines they are notoriously biased. If they do a nice write-up on a car, somehow the car company in question manages to have a nice big full page ad (sometimes several pages) very close to the favorable article that was written. Do you think this is coincidental? I dont think so.

The Wall Street Journal recently had a sweeping, long article on Fords problems. How bad are Fords problems? The are partially shutting down at least 10 plants that employ 20,000 plus people for the rest of the year. This will cut 21% of production between the US and Canada. Merry Christmas to those being laid off. They wont have jobs the rest of the year. At the same time, Ford is expanding its operations in China. Ford blames the crisis on higher gasoline prices. What am I missing, isnt every car company in Japan also being effected by higher gasoline prices? Why is it that a management team in the United States can be asleep at the switch and thats okay? They get to blame their problems on situations that they claim no control over. Why is this okay?

The Wall Street Journal was kind enough to write the story about Ford a major advertiser, and put it on page 1 where it belongs. They did Ford the favor however of printing it on a Saturday, when nobody is reading the Journal. Its like this, if you can study whos advertising with whom, you will be able to figure out whos pushing whos buttons. You need to know the real deal, if you are going to make real decisions, about anything.

Lets take Dan Rather the television news reporter. Whether you like Dan Rather or not, you have to respect anyone who has the staying power to last 40 years on television. The man is a survivor. When he did the story on President Bush during the campaign and questioned the Nation Guard Service of the President, I thought he was over the top. Too many years had passed for anyone to truly be able to prove the real deal on that one either way. Rather was attempting to influence a Presidential election because of his timing so close to the election. This is okay, because others have tried to do the same. What was not okay was the man having insufficient proof, or in this case fabricated evidence.

CBS decided to crucify Rather which they have effectively done by firing him (permitted to resign, SURE). If you want proof of how disgusted the suits at CBS were with Rather, think about this one. A special is being done about the career of Dan Rather, a one hour special. CBS is going to air it. When you ask? Its goes like this, if CBS were the equivalent of a Saturday edition of the NY Times, or the Wall Street Journal, when would you air it. Of course you would air the Dan Rather special on Friday night, 9PM labor day weekend, when nobody is watching because they are traveling on a 3 day weekend. Thats bias folks, and welcome to the world of objectivity.

By the way, what comes around goes around. Walter Cronkite was perhaps the finest reporter of his generation. He certainly was the most respected. He was the direct heir of Edward R. Murrow who made CBS the Tiffany network under William Paleys leadership, the founder of CBS. Cronkite retired from the CBS anchor role in 1982. He was promised at the time that he would be brought back to do specials and other programs. Never once did this happen, thanks to Dan Rather who didnt want Cronkite in the limelight. Now its Rathers turn to know what isolation is, like I said, what comes around goes around, and thats bias.

Copyright 2006 Richard Stoyeck

Richard Stoyecks background includes being a limited partner at Bear Stearns, Senior VP at Lehman Brothers, Kuhn Loeb, Arthur Andersen, and KPMG. Educated at Pace University, NYU, and Harvard University, today he runs Rockefeller Capital Partners and StocksAtBottom.com http://www.stocksatbottom.comAmandie Blog77646
Annmarie Blog33952

Keeping Fit For Little To No Cash

Do you want to have a more firm physique, but lack the money or simply don't want to attend a fitness center ? Well, there's good news. There are plenty of exercises that you can do around the house to keep yourself in tip top shape. One important basic guideline for keeping in shape is to walk as often as you possibly can. Simply walking around the house while you're on the phone is one easy way to help add some work-out into your life. When in the office or at school, take the stairs as opposed to the elevator. Climbing stairs is a very aerobic activity that can really pay off when done regularly.

Sit-ups and push-ups can be conveniently done while facing downtime at home; a commercial break from TV provides ample opportunity for you to get a set of these exercises done. Jumping jacks are an oft-overlooked method of keeping in shape that requires no equipment as well. If you'd like to build muscle, you can make simple weights out of empty milk gallons. These weights can be used in a host of different exercises that can help to build muscle. Another thing to consider is the possibility of a pull-up bar in the household. Helping to keep your arms and chest strong, any overhead pipe or ledge that is secure enough to hold your weight can be used for pull-ups.

In addition to helping you improve your physique, regular exercise has many beneficial effects on your mental health. Depression can be warded off sometimes simply by maintaining an exercise routine. The United States Government has even stated that, quote, "We now have evidence to support the claim that exercise is related to positive mental health as indicated by relief in symptoms of depression and anxiety." A test performed by researchers at Duke University found that people with cases of depression that began an exercise regimen 3 times a week overcame their depression with no anti-depressants at a rate of 60 percent! That research is proof positive that in addition to the physical benefits of exercise, there is a strong mental benefit. If you are just beginning a workout regimen, it may be a good idea to check in with your doctor for a physical. A simple physical can help you to ensure that you're getting the proper program started for your body.

Kadence Buchanan writes articles for http://universeofbeauty.net/ - In addition, Kadence also writes articles for http://allaboutourhealth.net/ and http://forahealthywoman.com/Barbabra Blog50283
Ariel Blog80687

Fido's Fortress: Puppy Proofing Your Home

Its safe to say, my dog has me well trained. My best friend since she was six weeks old, my precious pup is now a fourteen year old peke-a-poo, missing teeth, missing vision, and missing manners. She growls at me whenever she wants MY dinner, she awakes me at three a.m. so I can give her a drink from my glass and free her from having to walk the ten steps to her water bowl, and she bites me whenever I accidentally touch her as she sleeps in our bed (90 percent of the bed, she has decided, belongs to her ten pound frame). Yes, its fair to say, when it comes to my dog, I am nothing if not obedient.

Id like to say it hasnt always been like this; Id like to claim that I once had the upper hand and behaved like, well, the superior species. But, the truth is, I never did. Even before I brought her home, I found myself running around and getting things ready for her arrival. I bought her everything she needed, stopping just short of getting her a diamond studded collar from Tiffanys, and I puppy proofed my house; I puppy proofed my house like a maniac: there was no way my dog was going to get hurt in my, oh Im sorry, her, home.

This brings me to the topic of puppy proofing. As essential as it is, its not that hard to overlook; new dog owners might find themselves forgetting to make a safe environment as they become so wrapped up simply in loving their puppy. Still, puppy proofing your house helps you assure that you will have a puppy to love. So, before you bring home your new bundle of joy, try to engage in the following:

Secure your cords: Like moths to flames, puppies have been known to flock towards electrical cords, placing them in their mouths, and chewing away. Not only does this ruin your cord, but it can give your puppy quite a shock. To avoid this, keep cords out of the area where your puppy will be. If its impossible to keep cords out completely if your puppy is in the TV room, it might be hard to not have a cord for your plasma television place them out of your puppys reach: hang them from something high, tape them to the wall, or purchase a wire cover.

Guard your Balcony: All puppies have some Christopher Columbus in them: they like to explore. While this is often harmless, when a puppy starts to explore high areas, such as a deck or upstairs balcony, they run the risk of falling. Since you probably wont be able to keep an eye on your puppy twenty four hours a day, buying a balcony guard is your best bet. A balcony guard allows your puppy to explore higher areas all while assuring that he or she wont suddenly be thrown off course.

Latch Your Cabinets: If theres one thing puppies know how to do, its get into things they shouldnt. Cabinets, particularly ones that house kitchen or bathroom trash, are prime goals for puppy pursuing. If successful in their venture, puppies can find things in cabinets that could harm them: household cleaners, chicken bones, mouse traps, bleach. Simply putting latches on your cabinets can assure your puppy wont be able to open the door on this danger.

Hang Your Plants: I remember my dog, as a puppy, had an affinity for getting into plants. Sometimes she would dig them up, sometimes she would pee on them, and sometimes mistaking them for a salad bar she would eat them. This, turns out, wasn't a good idea: some plants are edible, but others can be poisonous. Your veterinarian can provide you with a list of plants that are harmful to pets, including Aloe Vera, tomato plants, rhododendron, English Ivy, and mistletoe. Instead of leaving these, or any plants, on ground level, hang them from the ceiling. Chances are your puppy wont figure out how to use a ladder.

Puppy proofing your home can take time and money. But, its worth it all in the end. It helps us keep our best friend safe, which speaks to those of us who know that there is no such thing as just a dog.

Jennifer Jordan is the senior editor for http://www.etodoors.com . Someone who changes her mind every five minutes, her house is in a perpetual state of home improvement. Annora Blog3929
Antonie Blog80021

How Can A Web Site Create Income?

Many people are making a very good living from their web sites! How can a web site make money?

The Internet has been a place of free information and a place where you could read about any subject for free, and it still is.

But it has changed to also be a huge market place with large amounts of money being spent every day. All you can think of from music to cars and skyrockets are available.

There are different models of making money online.

Each model have advantages and disadvantages. Here are some of the most common models:

Set up an online store

An online store will sell goods through it's web site including delivery to the door. This model requires a lot of work and it's nearly the same as having a real world store. You have to do all the same procedures and everything except the actual shop location are needed.

Affiliate marketing

Affiliate marketing has become one of the most popular methods of making money from a web site. A high percentage of online merchants have an affiliate program. You'll become an affiliate of the merchant when you sign up to join the affiliate program.

You will link to the merchants products from your site and get a percentage of every purchase made from your links. The links can be implemented in the form of banners and or text links in your content.

Advertising at your web site

Google's AdSense program is a popular maintenance free income source. Once accepted into the program it's very easy to implement. You just insert a code into your pages and appropriate ads for your pages theme will show up. The difference between AdSense and an affiliate program is that you will get paid a small amount every time a visitor clicks on your ads.

Of course there are plenty of other advertising networks available. As they all work more or less the same no detailed description is necessary. Other well known ad networks: Yahoo, adbrite, azoogle ads, chitika... just to name a few.

The drop shipping model

Drop shipping means that you sell hard goods without having to actually store or handle it. The goods will be handled, stored and even delivered by a drop shipping company. The goods will be delivered as if you were the sole provider. This has the advantage that your online presence will appear to be an online store when in fact all you need is a website.

Making money from a web site will not be achieved over night, but it can be done if you are willing to work at it. Keep going and you will have all the chances in the world.

Ove Nordkvist is the main author for the web site http://www.small-biz-ideas.net. Learn more how to build a web site and develop it into a web business!Alli Blog34799
Arabele Blog84796

Work At Home, How To Choose A Home Based Business And Make Money Without Getting Scammed Part 1

With rising costs of living, employee downsizing, corporate layoffs, constantly increasing gas prices and long commutes to work, more and more people find it now necessary to find a work at home job or to start a home based business. A vast majority of these individuals turn to the internet for their work at home salvation. There are literally thousands of work at home and home based business opportunities out there on the World Wide Web but of course all that glitters is not gold.

Upwards of 90% of the marketed home based businesses I would say are scams. These are schemes designed with the sole purpose of making the individual marketing the product to you rich, while you are left holding the bag as it were. Having said this however there are many legitimate home based business opportunities on the internet. The problem then is weeding out the good from the bad. Unfortunately this is a matter if trial and error and a LOT of research.

Finding legitimate opportunities to make money from home can become an extremely time consuming and ultimately a very expensive undertaking. There are a few things one must look for when searching for a legitimate work at home job or home based business opportunity. Any aspiring web entrepreneur must look for these important factors before selecting any work at home business opportunity, work at home job or affiliate program.

The first thing you should do is to review their standing with the various Business Regulation Agencies such as the Better Business Bureau. You should check on any complaints that may have been filed by consumers and whether or not it was satisfactorily resolved. In most cases this can be done online at the agencies web site.

They must have very good products and or services to promote. No matter their claims, if no one finds it useful no one will buy. On this note beware of any "opportunity" where you have to buy-in before you know exactly what you will be getting for you hard earned cash. As you can imagine there are many of these out there with a slick sales letter but absolutely no mention of what the product or service is.

There must be a reliable support system in place with training and good leadership. Any program that just hands you the material and expects you to just figure it out on your own isn't worth your time and money.

Paychecks should be sent out on time and at least once per month. Some home based business opportunities make you wait until your account reaches a preset limit before you get paid. Others let you choose your own limit and or frequency, you be the judge of what is acceptable for your individual needs.

Longevity is most important, so they should have been in business for at least three years. The scammers and con-artist usually cannot stick around this long with any individual program. They pack up and leave to return with something new. If a company is around this long on the internet I would say they must be doing something good.

I must also add here a simple rule to follow; if it sounds too good to be true it probably isn't. We've all seen those ads with claims such as you can make $8,000 a day or in a few hours, just a little common sense goes a long way with these. While I'm not saying that it's impossible to make thousands of dollars a day, it's impractical to think it will just happen over night.

Any home based business venture you get into will take time and effort; there will be a learning curve. Anything worth doing is worth doing right, so take your time and learn the ropes. There is no such thing as a get rich quick scheme or we would all be millionaires.

Juan Mendez is a web entrepreneur and aspiring writer.Arabele Blog84796
Avrit Blog80602

Getting Into Your Buyer's Shoes

The story

A few weeks ago, I met Chris* at a networking event. We chatted about what his company was doing and what my business was all about. He quickly realized that his company's online solutions could be beneficial for us and said, "Charlie, we should really meet soon so that I can show you our solutions that can lead you to more business." We had fairly good rapport and my company was then currently considering improvements to our online approach, so I was willing to respond to his suggestion.

A few days later, Chris called me and we set a meeting. During the meeting, he showed me a brochure with all his company's solutions and kept asking whether this or that solution would be of interest to me.

We finally nailed down one area of immediate interest and three areas for future consideration out of the list of around 10 solutions. Then I asked a few technical questions that Chris could only partially answer, so he suggested that I meet one of their software engineers for further clarifications. This was fine with me, especially because the engineer provided me with more satisfactory answers.

Before I left, Chris promised to send me a quote for the more immediate requirement, including some of the options that were briefly mentioned by the engineer. I received the proposal a couple of days later, and after a few more days, Chris called me to check if I received the quote and if everything was clear.

Let's see which aspects of Chris's approach are in line with the "Stop Selling!" approach, and then I'll discuss what a person with the "Stop Selling!" mindset would have done differently:

In line with "Stop Selling!"

The responsiveness and reliability that Chris displayed was perfectly fine and gave me, his potential buyer, the feeling that his is a credible, trustworthy company.

Even if Chris did not have full technical competence, it was not an issue for me as a buyer - I appreciated his efforts in having the engineer answer my questions. Furthermore, the situation assured me that in future dealings, he wouldn't suggest solutions unsuited to my expectations, and that he would understand my expectations in the first place.

The way I was received at his office was very welcoming and certainly immediately improved the already existing good rapport - an important basis for building trust.

What I would have done differently

It actually started at the networking event. As a potential buyer, I found it way too premature for Chris to claim that his company's solutions will lead my company to more business. If he would have shared that his company's solutions helped other companies similar to mine, it would have been much more attractive and believable to me.

Also, instead of saying "can show you our solutions", I would have preferred if he said something like "I would like to discuss with you what you are doing today and what your potential is for more online business in the future." This way, he would have focused on my interests (potentially more business) as opposed to his (their solutions that he wanted to sell).

During our meeting, Chris immediately presented his company brochure with his company's products to see whether any of them would interest me. I would have preferred if he asked about my business first and what kind of online solutions we already had in place. He could have helped me discover which aspects of my current solutions work for me and which aspects create difficulties. Also, we could have developed a vision for my online business for the next couple of years and then together work out a plan on how to get there. His company's products could have been tools to make this plan a reality, and if they turned out unsuitable or insufficient, I would have been grateful for his suggestions on who else could help complement their solutions. As a next step, we could have discussed how to create the cash flow from the online business to pay for the necessary - perhaps high-cost - tools. Eventually, it could have even ended up in a strategic partnership with his company.

Chris was not able to deepen the trust to a level that would have made this kind of exploration possible. To me as a buyer, it was quite obvious that his main interest was to sell any of their products even though he didn't do it in a pushy way. Instead, we stayed at the product level and in situations such as this, customers end up either buying a small solution, which will lead to some improvements, or buying nothing at all.

Conclusion: If you are focused on selling your product rather than on the best possible outcome for your potential buyer, you might miss out on great opportunities and will become a mere product consultant. Instead, if you coach your buyer through his best buying decision, you will not only create first-class relationships but will also expand the potential for doing business with your prospective buyers.

Copyright (c) 2006 Progress-U Ltd.

Charlie Lang's mission is to change the image of sales through the completely buyer-oriented Stop Selling! approach. He is a passionate and professional executive Coach, Trainer, Public Speaker and Author of over 100 articles related to leadership, coaching, change management and innovative sales. For more info visit http://www.progressu.com . To receive his complimentary monthly articles on sales or leadership, visit https://secure.thriva.com/Reg/Form.aspx?IDTD=1259&IDRPH=2039Anetta Blog97040
Aeriela Blog26893

Alternative Way to Create Your Own Home Based Business Online Ideas for Making Huge Money Online!

Great online business ideas can lead you to highly profitable online business overnight! Now, I am going to give you an alternative way to create your own home based business online ideas for making huge money online from home. I highly encourage you to generate workable and realistic online business ideas for your success in the future. Youll discover how to create your own latest home based business ideas in this article.

Are you tired of creating your own business ideas for your home based business online? Youll discover how to explode your online business ideas alternatively here.

READ THIS: If you are looking an alternative workable way to generate your online business ideas.

Within this article today on creating home based business online ideas, we will be giving you a few different websites to get yourself thinking. When you are thinking about and creating home based business online ideas, the best ideas can come from observations that you make through your knowledge of the subject. Taking the time to read and remain current with online marketing and business trends will end up paying great dividends for you if you can use this information to your benefit.

The next website that we would like you to visit to help in creating home base business online ideas for you is www.cj.com. This website is very valuable because it has many different quality products that are ready for sell so you can see what the current trends are as far as top sellers, etc. This will go in line with what you will learn in the second paragraph because you'll want to see if you can improve potentially on current products that are being offered.

Additionally, the next website that I would like you to visit to help in creating home base business online ideas for you is www.affiliateprograms.com. This website has many different affiliate programs which you can join and promote or it can give you some ideas as to how you could change potential programs. If you take your time and look through how these programs are marketed, you may be able to see where you can make a change and offer a better product. Much of the improvement that comes through business on the Internet as well as off-line come in the form of improvements on current products. This is what you would be doing if you look at these affiliate programs. See where you could potentially improve what they have to offer. Take their program and offer it with a twist.

Additionally, the last websites you should visit for your make money business opportunities on the internet are: http://www.zMakeMoney.com and http://www.zMillionDollars.com. You will discover wealthy of informative website about how to earn big money online from home with your home based internet marketing business and affiliate marketing business. Those places are ultimately sites on the internet you should visit if you are looking for an alternative to make big money online at home.

I am sure that those above websites have helped you in looking for ideas to improve on. To get new ideas to develop on the Internet you will have to take the approach of traditional business. You must study the marketplace and then create a product that fills in the current need. If you just create a product because you think it is cool, which is not necessarily going to lead to success for you. You need to see where someone has a need that you can fill and if you can do this, you will have great sales. See what your competition is doing to solve needs and do this just a little bit better. Also see what types of customers would shop online at your particular store and also see the culture of these people. By taking the time to see what your competitors offer as well what people who visit your site are looking for, you are putting yourself in a great position to be able to full-fill their needs. This will lead you to being able to create home based business online ideas almost at will. Ideas are most powerful when they are backed by research because there is a solid basis for their success in the future.

Finally, the key factors for your highly profitable home based business online are to generate great business ideas and do an effective research in the marketplace. Personally, I strongly believe that learning from the RIGHT success internet entrepreneurs is the shortcut way for the success in home based business online. I always believe that Dont reinvent the wheel". Reinventing the wheel wastes a TON of your time. Youll save a lot of time and money for building your highly profitable successful home based online business.

Read more great articles about how to make big money online from home at: http://www.zMakeMoney.com/blog and http://www.zMillionDollars.com/blog

Siripong R. or zMillionDollars is a recognized authority on the subject of making money online from home through highly profitable & successful home based business. His websites, http://www.zMakeMoney.com and http://www.zMillionDollars.com, provide a wealth of informative articles and resources on everything you'll ever need to know about earning money online.Alessandra Blog27530
Alyson Blog60850

Is Outsourcing Right for your Business?

Businesses across the U.S. are struggling to deal with globalization, staffing issues, managing workflow and freeing up resources to focus on strategic growth initiatives. Financial professionals, accounting firms in particular, are looking for strategies to ease seasonal staffing and time management problems as well as ways to add more value to their clients. Outsourcing is addressing these key challenges.

Many businesses still are very hesitant to embrace outsourcing as a means to growing their practice and increasing productivity. To help you decide whether outsourcing is right for your business consider the following common questions:

Q: How can I be sure private client data will be secure?

A: Superior security measures and processes; make sure you have a signed service agreement (including confidentiality guarantees). Some important security features to look for when choosing a vendor are if they support a paperless monitored work environment. Consider network security such as if their site is encrypted and uses a firewall. Also, verify how they hire their employees. Do they adhere to stringent background checks and do they require a particular level of education or training?

Q: Is it against the law or code of ethics to utilize outsourcing?

A: No, as long as disclosures are made to the client. There is typically a provision in most privacy statements that disclose that the firm may be a need to disclose client information to third parties who provide help in servicing their accounts. Most firms reference outsourcing directly or indirectly in their privacy statement in order to comply with the Graham Leach Bliley Act. In either case, as long as the taxpayer is assured that his/her return will be reviewed by the firm's tax department prior to filing, they generally respond favorably to outsourcing.

Q: How can I be assured that the work being done meets the high quality standards that I guarantee my own clients?

A: Again, investigate whether the vendor employs a skilled staff. Verify that the vendor performs quality checks and audits by seasoned U.S. staff and conducts rigorous and continual ongoing training of the tax and accounting team.

Q. How can I ensure outsourcing will be successful for me?

A. Communication with vendor. In the end, it is up to both the vendor as well as the client to make sure the lines of communication are open. The more the vendor understands the needs and workflow of the client and the more the client understands the outsourcing process, the better the relationship will be for both parties.

Adam DavisAriel Blog79043
Allie Blog69897

Poker: Luck Or Skill?

Ahhh, it's Wednesday night, time to tune in the Travel Channel. Why? Poker tournaments, my friends and the game they play is called Texas Hold Em. But can anyone learn how to play like the pro's on T.V.? Is it so effortless and easy as it appears? Let's take a look at some of the little things that can make or break you at the poker table.

Does poker require luck or skill? Some play the game and seem to hit every card needed for the winning hand. Others, with a hand that could not beat any hand on the table, slyly walk away with the pot and a wink and a smile.

So the answer to the question it would seem would be that it is a little bit of both; luck and skill are needed to be a successful poker player. After all, gambling is a game of chance.

But consider this: some mathematicians contend that the odds of getting a royal flush are 1 in 649,739. So, given those odds, chances are if you rely on the luck of the draw you will definitely lose more than you will win.

So how do you become an experienced poker player and win all the time? Well you can become an experienced poker player but, alas; you won't win all the time. Poker does require skill and the old adage, know when to hold 'em, know when to fold 'em certainly has a ring of truth to it. Furthermore, you must factor in the skill level of the players at the table, your bluffing and betting skills, the stakes involved and of course, luck.

Here are some important tips for the successful poker player:

Do not gamble if you cannot afford to lose. People lose a lot of money due to lack of planning and some gamble way over their heads because they don't know when to stop. Pick an amount to play with and stick to it. Additionally, do not borrow money to gamble, you just add more pressure upon yourself having to bet with borrowed funds. Allocate a budget and stick to it!

If you are serious about winning, avoid alcohol. You may make bets that you would not normally make. Play with a clear head.

Don't play if you are stressed out or emotional because not being in the right frame of mind can cost you big at the poker table. Play with focus. If your mind is preoccupied with other problems, your judgment will suffer and you open yourself up for critical mistakes.

Study your opponents and define who they are and how they play the game. You may have to adjust to their style of play. Do not be intimidated by the aggressive nature of a particular player or the passiveness of another.

Don't wait on cards, they usually don't come. Don't be afraid to fold the poor hand. Poker is a time consuming game and you aren't dealt a winner every time.

Display a "poker face". Your expressions and mannerisms can tell a lot about your hand, even to the most inexperienced players. Whether you have good cards or a terrible hand, it is best to display the same emotion and not convey any clues to the other players. Conversely, if you are a seasoned player, you can use this "poker face" style to your advantage to project false "tells" to other players and force false reads on their part. You could pretend to have a powerful hand by aggressive betting, table antics or talk and pull off a successful bluff.

Patience is the key and you have to know when to bet. Be knowledgeable as to when to bet and get a feel for the game. Bet wisely and in control. Bear in mind that bluffing will not work if you are a poor player and expert players will eventually sense this and pick you apart, making your night a short one.

Practice! Practice with low stakes games, hand held games or play for fun as you refine your game and skills. Read articles, books and ask other players about the game and different situations that might occur.

There are thousands of poker books written with tips, guidelines, rules and regulations but the important aspect to remember is your poker strategy and your game. Practice, refine and define who you are as a poker player. Know your limits, play the odds and odds are you will come up a winner!

Copyright (c) 2006 Robert Benson

Robert Benson has written articles on many subjects and operates two web sites. Learn about the hobby of vinyl record collecting and shop for your poker supplies at one of the shopping malls at these sites:Allianora Blog31680
Angil Blog20610

Cheap Secured Loans: Borrow Money At Cheap Rates

Assets are our solutions to live life respectably whenever we are faced with a difficult situation. In times of a financial crunch, we can bank upon these assets to help us get money. While availing a loan, assets can help us get very low rates of interest through cheap secured loans. How? Let us read the article to know this.

Cheap secured loans, as already mentioned, need an asset to be placed as collateral for the loan. An asset like real estate, property or home, or a car etc can be placed as collateral. The collateral acts as a security for the loan. Thus the lender is assured of the repayment of the loan. In return he offers a very low rate of interest to the borrower.

With cheap secured loans, an amount of 5000 to 75000 can be borrowed. The repayment term for cheap secured loans is 5-25 years. With very low rate of interest, the repayment of the loan becomes very easy and the asset of the borrower is practically safe and risk-free when the repayment of the loan is made on a timely basis.

Cheap secured loans can be used for any purpose of the borrower like home improvement, debt consolidation, car purchase, an exotic vacation, etc.

Borrowers having bad credit can also avail cheap secured loans. Since the loan is secured with the collateral, the lender is tension-free about the retrieval of his money and thus has no problems offering the loan to the bad credit borrowers.

Online search for cheap secured loans can help the borrowers get the most suitable deal for them. They can ask for free quotes from numerous lenders. These quotes can be compared and the best deal with lowest rates can be chosen.

Cheap secured loans provide an opportunity to utilize the equity in their asset for solving the problem of monetary need. The low rates and good terms of the loan make it a suitable choice for all borrowers.

Simon Peyton has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK. He works for the Loans Fiesta. For any type of loans as Cheap secured loans, unsecured debt consolidation loan, secured loan uk,secured homeowner loan in uk,unsecured debt consolidation loans please visit http://www.loansfiesta.co.ukAriella Blog85507
Alis Blog86532

Download theft and how to prevent it.

If you sell digital products online, there's a good chance that your products are being stolen. Here's how it works and how you can protect yourself.

A customer buys your product. After downloading their purchase, they visit a forum and post your download link for other members to use. By the time you realize what's going on, hundreds or even thousands of people have aready downloaded your product for free. Since a good number of these people would have probably bought your product, you end up losing a lot of money.

If you use PayPal, it can be even worse. If you don't encrypt your payment links, it's easy for someone to view your source and find your download page. They could also change the price and end up paying you $.01 for a $90 product.

Fortunately, there is a solution. Sam Stephens has written a powerful, secure script called DLGuard. This script is an easy and effective way to prevent link sharing, but it does much more than that. DLGuard completely integrates with ClickBank, PayPal, 2Checkout, AlertPay, PayDotCom, EBay, EA Script and many other third-party ecommerce scripts. DLGuard supports single item sales, multiple item sales and even membership subscriptions. It even helps you to protect and track products you're giving away for free and works with your autoresponder to help build a responsive list of customers. You can download DLGuard at http://urlfreeze.com/stevenh77/dlguard/

DLGuard prevents link sharing by giving each customer a secure download page. You can set this page to expire after a certain amount of time and you can limit the number of times a customer can download your product from this page. It also prevents search engines from indexng your download page, or worse, your actual product. Many search engines can read PDF files and convert them to HTML, so customers could actually be stealing and reading your product directly from Google.

While you can't prevent theft entirely, DLGuard does provide a lot of protection and prevents casual sharing of download links, which accounts for the majority of download theft. Get it now at http://urlfreeze.com/stevenh77/dlguard/

Steven Hancock is the author of the Marketing Essentials blog.Adrian Blog14854
Anabelle Blog58945

What's Your Money Style?

We all have a different style when it comes to our relationship with money. I'm not talking about your fears or stories about money. Your fears are a whole other box of worms. When I refer to style, I mean how you would relate to money if you had never been influenced by another persons style or fears.

Dominant type of people are really driven to make money and use it to please themselves. They like to buy nice cars. They go after money and success with intense passion. When they set a money goal they know they'll get it. Once they get that money, they are reaching for more. They are generous with money but do not like people to take advantage of them. Competition is fun to them. Dominant styles think it is easy to make money and can't understand why everyone else doesn't think this way, too. They are willing to take risks and do not hesitate very long when making decisions about investments. When they desire a certain price on something they will negotiate down. Watch out, they may not bend. Give them the bottom line price up front and you'll save a lot of time and frustration for them and yourself!

Influencing and promoter type of people are excited to make and spend money. If the path to the money is not fun, they will take a right hand turn. When they are in the zone, they will seem to magnetize money in very interesting waysways that other people would doubt. They don't think before they buy. They see something they want and they usually go for it, even it breaks the bank. They make a plan but many times they completely forget about when a bright shiny object in a store window catches their eye. Details, details, yuck! Have you ever heard of the terms "shop-o-holic and impulsive"?

Steady and supporter type people like to be slow to their decisions. They will usually let their mate make investment decisions if they are a different style. They are very consistent with their practices and are not thrilled with big risksthey'd rather be patient and watch their money grow over time. Their purchases are more on the practical side.

Analytical type people are very calculated about what happens with their money. By the time they choose to do something, whether it's a purchase, creating a business or an investment, they have created a very thought out a plan. If the choice seemed like a risk before they did their research, it is now a safe bet. They've checked out all the possible down falls of their choice and have a back up plan. Spontaneous with their money? Not! If they are making a purchase, it will last them a long time.

Which style are you? None of these styles is better than another. Each of them does, however, have a shadow side. For instance, an analytical style might get in so much fear about losing their money that they never make a move or go after a dream. A promoter style might spend every penny they have with no money in savings. A dominant style may use their money as manipulative tool. A steady person may get stuck in a rut and fear change that is to their benefit. It is important to know your natural style and work with it, not against it. It is good to implement some traits from other styles, when you see that yours is hindering you. But always stick to your values, no matter what advice you get or read. Remember that everyone has their own style and what works for you may not be tolerable for your mate or business partner. This is where blending styles becomes important. Stay compassionate to other's needs when communicating or taking action with money. If you want to know more about maximizing your authentic money style check go to http://www.masterpeacecoaching.com/disc.htm for info on a one-one coaching sessions and an assessment.

Jeanna Gabellini is the Xtreme Abundance Coach. She'll give you all the tools you need to create financial wealth and prosperity with her personal coaching, tele-courses and audio products. Jeanna blends strategy, Laws of attraction and FUN to assist you in creating exactly what you want. Are you ready for Extreme Abundance? Go to http://www.MasterPeaceCoaching.com to get your free ezine or call 707-747-0447 for more info.Ariella Blog85507
Ardra Blog66532

Saving money on your mortgage

Shopping around for mortgages is so popular these days that many people can be excused for thinking that switching lenders is the only way to save money on your home loan. But there is a much easier way that does not require phone calls, computers connected to the internet, or trips to your bank or building society.

Did you know, for instance, that making overpayments on your mortgage can slash thousands of pounds off your interest bill? Additionally, it will cut the length of time taken to repay your home loan so you get to own your home sooner.

Imagine, say, that you have a 100,000 repayment mortgage, with a 25-year term and an interest rate of 6%. Your monthly payments will be 644, and after 25 years you will have paid back a total of 193,290. In other words you will have paid back 1.93 for every pound borrowed.

If, however, you were to overpay your mortgage by just 50 each month, your total payment would be reduced to 177,279 -- a saving of over sixteen grand in interest. Furthermore, this overpayment shortens the length of the mortgage by 45 months, which means almost four extra years of bliss.

Its is worth being prudent though and ensuring that your will not be penalised by your lender for changing your standing order or making overpayment. In the main, most flexible mortgage lenders will allow you to make overpayments of up to 10% each year. But if your lender doesn't allow this, you have another trick up your sleeve!

Lessening the term of your mortgage from 25 years to 21 years would increase your payments in exactly the same way as overpaying by 50 each month. Mind you, this is a much harsher way to do it because payments are fixed. However, it doesn't prevent you from increasing your term again, should you need to, by simply writing to your provider.

At the end of the day, paying off your mortgage early is simply the best and least risky ways of saving money. By making overpayments to your mortgage of around 6%, your money would be working harder than if you had invested it into a savings account with 7% earnings.5% for a basic-rate taxpayer. For a higher-rate taxpayer, this risk-free and tax-free rate is equivalent to 10%, which is practically unbeatable!

Many people forget that even though we sign up for a 25-year mortgage term there is no earthly reason why we have to stick to this. If you have any extra cash each month, using it against your mortgage can make a huge difference and it can save you thousands of pounds in interest each year.

Good luck on removing that mortgage millstone from around your neck!

Peter SpyrAmity Blog78161
Avrit Blog80602

How to Use an Offshore Bank Account for Asset Protection

Having an offshore bank account is one thing, using it is quite another matter.

Corporate Account When you have a corporate account the money belongs to the corporation not you personally. When the corporation is an anonymous bearer share Panama corporation your anonymity is further protected since establishing ownership of the corporation is about impossible so you would have to see who is recorded at the bank as the beneficial owner of the bank account and this requires you to convince a court in Panama to open up the bank records (something that is very rarely done) to reveal who the beneficial owner is. Even in the unlikely event a court did this this it would be of little value since the money still belongs to the corporation. So if you had a financial enemy pursuing you personally they would not be able to transfer a personal debt to the corporation very easily. They would need to show that you transferred funds to the corporation to make sure debtors could not recover the funds; it is called a fraudulent conveyance. The court cases pertaining to this are far from simple, they are expensive and time consuming and can take years to get heard in court. When wires are sent to an anonymous bearer share Panama Corporation no one knows who the owners of the corporation are, thus they do not know what natural persons are actually receiving the funds. When wiring funds into your Panama corporate bank account it is not revealing in terms of what the wire is for versus wiring money into a personal account. The Anonymous Panama Corporation adds in a nice thick layer of privacy protection.

ATM Cards - When you open a Panama bank account one can usually obtain an ATM card good for cash withdraws from ATM machines worldwide. These ATM cards will have your name on them and can be associated with the bank you are using. Some people obtain an ATM card from another unrelated financial institution. These cards typically have no name imprinted on them which right away adds to your privacy protection. These cards also do not leave a trail to your real bank. Money can be transferred to the ATM card by wire from your Panama or other bank account and then withdrawn as needed. Some people are fond of using these cards to cover corporate expenses like travel, entertainment and other business expenses. Usually the ATM card purchase requires a copy of a passport.

Visa and MasterCard Debit Cards Watch it here. This can be a real privacy violator. The USA recently got a lot of MasterCard records by a court order served on MasterCard in Miami. This could happen again. The more private way of doing this is to get a Visa or MasterCard debit card from another bank, not your Panama bank. You load the card by wiring funds onto the card from your Panama bank. This eliminates any ties the card has to your real bank account. The card should come from an issuing bank in a bank secrecy country. The way these programs work is Visa and MasterCard do not know who the actual card holder is no date of birth, no address, no tax id numbers etc. only the issuing bank has this information since they require a passport copy and a physical address to send the card to. So a subpoena to MasterCard or Visa would produce very little and since the bank is in a country with bank secrecy this avenue is going to be a long burdensome process that would be unlikely to be pursued and could only be pursued by a government in a criminal matter. You want to use a country where address verification is not set up on the debit cards or else use a mailing/billing address for the card in another country where you have a reliable mail drop box. This further protects your privacy and of course is a convenient way to guard against any potential identity theft associated with using the debit card in a restaurant, store, online etc.

Telephone Records If you need to telephone your offshore bank consider using an anonymous prepaid cell phone so there is no record of any calls to the bank on your phone bill. Private detectives in USA can readily get copies of phone bills. A sharp divorce or collection attorney will look for international calls to isolate an offshore bank.

Online Banking This is a great feature. Eliminate having statements sent to the house or office. Who knows who logs these statements being sent in the mail or even worse reads them, remember you could be a terrorist. Remember your ISP is a privacy nightmare. They are unregulated in general, unlicensed, and could be owned by felons, child molesters or whatever. These people can collect your entire internet transactions read them and save them forever. Rest assured all of the big ISP's like MSN, AOL, ATT, COMCAST will save your log files for ever showing every website you ever went to, every file downloaded, every email sent and to whom, etc. Don't assume they would require a court order to distribute this data, read your terms of service agreement and be prepared to be shocked. Now why should they know what online offshore bank you log into? So how do you stop it? You use an anonymous internet service provider. You log onto the internet then log onto their VPN which encrypts all your internet traffic going from your computer to their server and now your log files are basically encrypted and your ISP only has gibberish log files on you except he knows you connected to the anonymous internet provider but has no idea what you did or where you went. Make sure the anonymous internet provider does not save log files or only does so for a few days to track down hackers, spammers etc. Never bookmark your online bank. Save your passwords in an encrypted password folder. Use a hard drive cleaner like evidence eliminator to erase tracks, places visited, image files, cookies, downloads logs etc that windows saves. To protect from Trojans, attacks etc. use an anti-spy ware program like spyware doctor and Norton anti-virus. Do not trust one of them alone. If you get a keystroke logger or Trojan it can capture your passwords and they can rob your bank account online. Extra measures are an application based firewall so if a Trojan got in it would not be able to phone home without you giving the new application manual permission to connect to the internet and a wireless router that uses encryption. All of these steps should keep you safe if you keep them updated and turned on beats having someone get your passwords.

Ronald Edwards is a researcher, with years of experience in finances and real estate.Angil Blog20610
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