Promoting Your New Business Web Site
by Stephen Woodall
Anyone with a new web site needs traffic. A web site without a steady flow of traffic is useless. No matter how well the design and appearance, traffic is the fuel for its survival. Article writing can bring much needed traffic to any web site, especially a new home business site just starting out. Many work at home opportunities come with your own web site and that is the easy part. In most cases we have to build our traffic from the ground up with promotion being a never-ending process.
Article writing is a way to take our link to the public and get targeted traffic. Your web site link in the article resource box is your payment. To me this is the best compensation plan there is for generating good traffic to a new web site. There just isn’t any better trade off because everyone wins. For a work at home business in the early stages this is a must needed way to stimulate traffic.
When submitting to article directories resist the urge to jump around without reading their submission guidelines. They are there for a reason and you will save yourself as well as those editors in charge of approving articles, much wasted time. If you skip the guidelines, a declined article on the shelf for two weeks will make you rethink your submission process. They may all seem the same but there are variations in what they accept.
As you begin to familiarize yourself with one, add another. Do the same again setting up an account and following their guidelines. Make a list of your directories as you grow and visit them often to see what your articles are doing. This will also make your navigation through their web site much easier. Try to set up the same username and password for all accounts. This will make for a smooth process when accessing them.
When submitting articles we have to give our best research, experience, and expertise. Keep your articles informative and not just a sales presentation. Article writing can be outsourced should it be needed. Articles should to be submitted on a regular basis. We have to be patient with our articles and allow them to take their course. As your articles grow so will the traffic to your web site. The internet is in constant growth so we have to be consistent with our article submissions. Submit with regularity. Take care of your articles and the directories that distribute them, and the process will take care of you.
Stephen Woodall, Marketing Analyst, FSC2 Member -
Visitors Link http://storewholesale.fsc2.com
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Monday, December 17, 2007
Home Based Business - Tips On How To Be Successful
Many people, young and old, think about starting their own business. Some are only looking for extra income, just a part-time business, while other dream of starting a small business and making it grow into a large multi million dollar corporation with many employees. No matter what desires and expectations you have from your business, your dreams can come true.
That’s right! Your Dreams can come true with hard work and determination anything is possible. But nobody said it was going to be easy, nor will it happen overnight. Most business owners start out small and as their knowledge and confidence grows so does their business. Choosing the right business for you is the first and most important thing you will ever do, because if you are not doing something you love and enjoy you will not be successful. Don’t just start a business based on whatever fad is hot at the time. This may give you some short term success, but in the long run it will fail and cost you a lot of money. Decide on what your passion, or hobby, is that you enjoy. A business should be based on a product or service that you love to spend time doing. Whether it is playing golf, painting houses, building things out of wood, accounting, bookkeeping, or typing it must be something you enjoy. This is an important key to success.
Starting a home based business is one of the easiest and most economical ways to get into business. Before you do this make sure that the zoning laws in your area allow for an individual to have a business in their home. Next, check with the sales tax authority in your county or state and find out if the goods or services that you intend to sell are a taxable item. If so, you will need to obtain a sales tax certificate. Next, if you intend to name your business something other than your own legal name, you will need to go down to the county clerks office of the county in which you intend to do business and file and record a “Doing Business As” form (also known as a D/B/A). This is a form that tells everyone that, for example, ABC Bakery is really owned by Jane E. Smith. You will need a copy of the recorded d/b/a/ form to open a checking account at your bank in the businesses name. Once these few thing are done you are in business.
That was the easy part, now the real work begins. Getting customers, or clients, purchasing inventory, setting up advertising and marketing plans, and much more. Being a home based business you will typically have to go out to the customers. Working by appointments are a great way to manage your time throughout the day. If you have set a time to meet with someone Don’t Be Late. Punctuality shows your customer that you are dependable, reliable, and that you value their time as well. Remember, You Don’t Get A Second Chance To Make A First Impression. When someone buys a product or service from you what they are really saying is I like you. I feel like I can trust you to provide the goods or services that you have promised and I truly have a need or desire for what it is you are selling.
Once you have made the sale you must now follow through on what you promised. The best way to build a successful business is with referrals from satisfied customers. If your customer is happy they will tell their friends, if your customer is dissatisfied they will tell everyone. A customer that has been referred to you by a happy customer is much easier to get an order from because they already have a high level of trust in you.
It is fairly easy to start your own home based business, but to be successful in business it requires that an individual work hard, put in long hours, and then deliver on your promises that you make to your customers. You are only as good as your word. At the end of the day, if you are honest, diligent, and prudent you will do just fine.
This article has been writen by Sam Adams. For More information about starting you own business please visit www.ebay-ebiz.com
That’s right! Your Dreams can come true with hard work and determination anything is possible. But nobody said it was going to be easy, nor will it happen overnight. Most business owners start out small and as their knowledge and confidence grows so does their business. Choosing the right business for you is the first and most important thing you will ever do, because if you are not doing something you love and enjoy you will not be successful. Don’t just start a business based on whatever fad is hot at the time. This may give you some short term success, but in the long run it will fail and cost you a lot of money. Decide on what your passion, or hobby, is that you enjoy. A business should be based on a product or service that you love to spend time doing. Whether it is playing golf, painting houses, building things out of wood, accounting, bookkeeping, or typing it must be something you enjoy. This is an important key to success.
Starting a home based business is one of the easiest and most economical ways to get into business. Before you do this make sure that the zoning laws in your area allow for an individual to have a business in their home. Next, check with the sales tax authority in your county or state and find out if the goods or services that you intend to sell are a taxable item. If so, you will need to obtain a sales tax certificate. Next, if you intend to name your business something other than your own legal name, you will need to go down to the county clerks office of the county in which you intend to do business and file and record a “Doing Business As” form (also known as a D/B/A). This is a form that tells everyone that, for example, ABC Bakery is really owned by Jane E. Smith. You will need a copy of the recorded d/b/a/ form to open a checking account at your bank in the businesses name. Once these few thing are done you are in business.
That was the easy part, now the real work begins. Getting customers, or clients, purchasing inventory, setting up advertising and marketing plans, and much more. Being a home based business you will typically have to go out to the customers. Working by appointments are a great way to manage your time throughout the day. If you have set a time to meet with someone Don’t Be Late. Punctuality shows your customer that you are dependable, reliable, and that you value their time as well. Remember, You Don’t Get A Second Chance To Make A First Impression. When someone buys a product or service from you what they are really saying is I like you. I feel like I can trust you to provide the goods or services that you have promised and I truly have a need or desire for what it is you are selling.
Once you have made the sale you must now follow through on what you promised. The best way to build a successful business is with referrals from satisfied customers. If your customer is happy they will tell their friends, if your customer is dissatisfied they will tell everyone. A customer that has been referred to you by a happy customer is much easier to get an order from because they already have a high level of trust in you.
It is fairly easy to start your own home based business, but to be successful in business it requires that an individual work hard, put in long hours, and then deliver on your promises that you make to your customers. You are only as good as your word. At the end of the day, if you are honest, diligent, and prudent you will do just fine.
This article has been writen by Sam Adams. For More information about starting you own business please visit www.ebay-ebiz.com
Friday, December 14, 2007
How To Raise Your Credit Score As Fast As Possible
How To Raise Your Credit Score As Fast As Possible
by
Imagine that you desire to purchase a new car or take a mortgage. You’re sure that your credit application will be successful because your credit is good but the credit report returns but your application was rejected. Or perhaps your application was approved but the finance rate is extremely soaring that you can ill afford. Then you realize that you need to raise your credit ASAP.
The individual or company that’s assisting you get the loan will usually tell you how to do this. Many of them don’t, so you ought to be familiar with how to do it yourself. Relax because anyone can do it. First, read everything you can find on credit repair. Check the laws that apply to credit repair and discover your rights. Don’t get your expectations too high about the process. Be realistic.
Remember it takes time, endurance and work. If you’re diligent a creditor will notice the effort you’re making and consider it when deciding whether or not they will advance you credit.
Obtain a copy of your credit report from Experian, Equifax, and TransUnion. They may have varying information on your record to some extent so it’s essential to obtain and study all of them.
Look for any erroneous data in your credit report and file a dispute letter for information you disagree with. Sample dispute letters can be found online. The credit bureau has 30 days to look into the claim. If they fail to substantiate the charge, they have no option but to erase it from your credit report.
Subsequently, search for debt that is out of date. There is a statute of limitation on debt. Redundant debt can show on your credit report only for a specific period. If old debt exists, inquire from the credit bureau whether it’s time for it to be erased.
Oftentimes people have old debt on their credit report and are ignorant to the fact that they can easily get it eliminated from their credit reports.
Too many credit accounts open can negatively affect your credit score. Examine the accounts you have and establish the ones that are most essential and the ones you have had the longest.
Credit cards that you have been in possession of for a long time will do much in raising your score than those that are newer. This is because old credit cards bestow a longer history of credit. If you make your mind up to shut some accounts, shut newer ones first.
You can also trim down the balance on an older credit card and hold on to it to bestow you that long history. Get up to date with late payments on your credit report by calling the creditor and propose or ask for a payment plan to get you current.
A number of credit companies may propose a lower or no interest time within which to repay. A few steady payments on those debts will appear on your credit report and your potential creditor will notice and take into consideration your endeavor.
If you are in a situation in where you must lift up your credit score pronto, follow the steps above. If you are dedicated and stick to the task then you will certainly notice the difference. Success in your efforts to clean up.
CreditCardPerfection reviews credit cards available to consumers. Learn more about American Express credit cards and Capital One credit card
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by
Imagine that you desire to purchase a new car or take a mortgage. You’re sure that your credit application will be successful because your credit is good but the credit report returns but your application was rejected. Or perhaps your application was approved but the finance rate is extremely soaring that you can ill afford. Then you realize that you need to raise your credit ASAP.
The individual or company that’s assisting you get the loan will usually tell you how to do this. Many of them don’t, so you ought to be familiar with how to do it yourself. Relax because anyone can do it. First, read everything you can find on credit repair. Check the laws that apply to credit repair and discover your rights. Don’t get your expectations too high about the process. Be realistic.
Remember it takes time, endurance and work. If you’re diligent a creditor will notice the effort you’re making and consider it when deciding whether or not they will advance you credit.
Obtain a copy of your credit report from Experian, Equifax, and TransUnion. They may have varying information on your record to some extent so it’s essential to obtain and study all of them.
Look for any erroneous data in your credit report and file a dispute letter for information you disagree with. Sample dispute letters can be found online. The credit bureau has 30 days to look into the claim. If they fail to substantiate the charge, they have no option but to erase it from your credit report.
Subsequently, search for debt that is out of date. There is a statute of limitation on debt. Redundant debt can show on your credit report only for a specific period. If old debt exists, inquire from the credit bureau whether it’s time for it to be erased.
Oftentimes people have old debt on their credit report and are ignorant to the fact that they can easily get it eliminated from their credit reports.
Too many credit accounts open can negatively affect your credit score. Examine the accounts you have and establish the ones that are most essential and the ones you have had the longest.
Credit cards that you have been in possession of for a long time will do much in raising your score than those that are newer. This is because old credit cards bestow a longer history of credit. If you make your mind up to shut some accounts, shut newer ones first.
You can also trim down the balance on an older credit card and hold on to it to bestow you that long history. Get up to date with late payments on your credit report by calling the creditor and propose or ask for a payment plan to get you current.
A number of credit companies may propose a lower or no interest time within which to repay. A few steady payments on those debts will appear on your credit report and your potential creditor will notice and take into consideration your endeavor.
If you are in a situation in where you must lift up your credit score pronto, follow the steps above. If you are dedicated and stick to the task then you will certainly notice the difference. Success in your efforts to clean up.
CreditCardPerfection reviews credit cards available to consumers. Learn more about American Express credit cards and Capital One credit card
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Wednesday, December 12, 2007
Tips About Starting an Online Business
There are many online business opportunities available to people today. Most of them are good, but many of then require a lot of money to get started. You need a website and then you need to drive traffic (or customers) to your website. This can take both a lot of time and money in advertising dollars, but you need to make money now. Then you should consider selling products on eBay. Ebay is a online community auction site that attracts thousands, maybe millions, of potential customers (buyers for you) each day. You can list your item, or items, and have them for sale on their site and wait for the customers to come to you. Now, eBay is an auction site so people will bid on the item you are selling. One of the options available to help insure you get the final selling price you want for your product is to set a “Reserve Price”, a bid amount that if not reached you will not sell your item.
If you have many different items to sell you might want to consider opening an eBay Store. An eBay Store is a virtual store front on the internet within the eBay site. You can list as many different items for sale as you wish. Some of your inventory can be listed as auctions while others are listed with their “Fixed Price” feature. This is an option available to “eBay Store” owners and allows you to name the price for your product without it going through the auction process. Still yet another option is available for your auction listed items. If you have an item that is actively listed as an auction and people are bidding on it you might want to give your customers the option to “Buy It Now!”. This is a price you set during the item listing process that allows a bidder to pay your full asking price immediately for your item and end the auction early.
Ebay has spent and continues to spend a lot of money promoting there site. They make money from you, and many others like yourself, selling item on their site. So, they want to see you be successful, because if your successful then they succeed too.
Many successful online business owners have found eBay to be a great way to “Jump Start” their online venture and do it in a way that fits most budgets. You will find that there are literally thousands for items you can auction on eBay or sell in your eBay store. Some online business owners are utilizing companies that will drop ship merchandise directly to your customers, while other are selling digital items that can be e-mailed or downloaded directly to the buyer. There are the more common item like handcrafted arts and crafts, paintings, new and used furniture, home décor items, sporting goods, coins, baseball cards, and much more.
If you are thinking of starting a business online you owe it to yourself to look at eBay and see if they have what you need to get your dream of owning your own business off the ground. They have thousands, maybe millions, of eager buyers waiting for you.
For more information about Starting Your Own Online Business At eBay visit www.ebay-ebiz.com
Monday, December 10, 2007
3 Essential Tips For Starting a Business
3 Essential Tips For Starting a Business
by Spencer Ray
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by Spencer Ray
Many things should be considered when starting a business. Explaining all the considerations is beyond the scope of this article. However, one vital component of a successful business is a good business plan that considers Market Potential, Competition, and Strategy.
Have a Plan
First and foremost, when starting a business you need a plan. It doesn’t necessarily need to be a full, written out business plan; however, you should jot down your ideas. Some items to consider are the company’s: Market Potential, Competition, and Strategy.
Market Potential
First, you need to consider whether or not you can make any money with your business. You may have a great idea, but maybe no one can realistically use it, or they don’t want it, or it costs too much. For example, a company called WebVan, decided they would allow people to order anything (bubble gum, t-shirts, pizza, books, groceries), really anything from their website and they would deliver it to your door. They spent hundreds of millions of dollars and opened nationwide. The company lasted less than a year. Why? Because the the market potential was small. The company creators did not account for the reality that they would spend more delivering a pack of gum than they would make from selling it!
Competition
Second, you must consider who you are competing against. If you have created a new and better macaroni and cheese dinner and you want to sell it in Wal-mart; then you have fierce competition. Kraft is a HUGE company and they will squash you before anyone ever tastes your delicious invention.
However, don’t let competition discourage you from developing a good idea. Just because there are lots of janitors, doesn’t mean that you can’t beat them out. The key to overcoming your competition is a good business strategy.
Strategy
Strategy really defines how you will be different from your competition. How will you appeal to your customers? Will you be a low price leader (like Wal-mart)? Will you have the perception of best quality (like Tiffany diamonds)? Will you provide the best service (like Nordstroms)? These are the three main strategies that companies use. There are lots of other strategies that you can utilize, but the key is developing a way that you will be different from your competition.
In conclusion, starting a business is a viable way to build your personal wealth. In starting a business, it is essential that you have a plan that considers the market potential, competition, and strategy.
Take the 30 day Financial Challenge at Keyblast.com! This article is a small portion of the 30-day financial challenge. To access lots of free information, tools, and to see what the challenge is all about, visit Keyblast.com
Spencer has a BA in Finance, an MBA, and is currently a Commercial Banker advising Business owners on Business and Personal financial issues.
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Paying Off Holiday Debt Quickly
Paying Off Holiday Debt Quickly - 6 Tips for Consumers by Valeri A. James
Dana, a 30-year old public relations specialist, may be earning big bucks while climbing the corporate ladder but like most unattached career women in town, she is struggling with the payment of her credit card balances. For Dana, Christmas is a challenging season as she would have to rein her spending impulses to remedy her already worsening credit rating.
Like Dana, most Americans (single or married) are faced with budgeting problems. Bad credit can get worse with overspending especially during the Christmas season. Holiday debts can pile up and contribute to a negative credit rating.
A negative credit rating is just a symptom of a budgeting problem that can get worse if it goes unchecked. If you still have left-over holiday debts from last year or if you have already placed yourself in deep Christmas debt this year then talk to a debt counselor or consider the following sure-fire tips for paying off your holiday debts quickly.
1. Use CASH whenever possible. Have you noticed how you become more conscious of spending when you need to pay in cash? Paying in cash allows you to keep track of your purchases in real time and by doing so (whenever possible) you would be able to keep yourself from splurging. Ergo: less credit card balances to pay at the end of the month or whenever your card is due.
2. Use your credit card wisely. That strip of hard plastic should be used only when necessary. The first rule of thumb is to use CASH whenever possible. However, American society is so dependent on plastic that you may have to use your credit card more often. Just make sure you do so for reasonable and necessary purchases. Christmas is not a license to overspend. You may be able to buy all the things you want for Christmas (up to your credit card's limit, that is!) but your credit history will suffer if you are not able to pay all your debts on time.
3. List all your outstanding debts. You may be spending too much because you do not keep track of your debts. Document your debts (both credit card and otherwise) and print them out for a quick reference. Seeing your actual debt in black and white will help you cut back on unnecessary expenses and Christmas spending until you have cleared your credit card balances.
4. Make holiday debt payment a priority. It is fun to spend but if you have over-expended your wallet then you have no choice but to prioritize the payment of your debts first before you incur new ones. If your Christmas debts are divided among several credit cards, choose the ones with the least amount and pay it first. Then choose the other credit card balances that you can afford to pay given your financial state.
5. Sacrifice your little pleasures. Paying off your credit card balances can be a pain especially when your finances are limited. This can mean little sacrifices like cooking home meals instead of eating out and drinking instant or office-made brewed coffee instead of going to expensive coffee shops during break time or after work. Before you know it, you already have enough savings to pay for some of your holiday debts.
6. Look for additional sources of income. If your income is limited then you may have to look for additional sources of income to pay off your holiday debts. You can monetize your hobby and make good money out of it. If you are good in photography, why not take photos of your fellow workers during the Christmas party and sell them their photos? Or if you bake a mean chocolate cake, why not sell them this Holiday season? Who knows, your sideline can become a business someday which will help you improve your finances.
If despite these tips you still find yourself overspending and incurring Christmas debts like there is no tomorrow then you should get professional help. Debt counseling groups and Certified Credit Consultants can help you get your spending habits as well as your credit back in track.
Valeri A. James is the President and CEO of Simple Solutions Credit Consulting, Inc. A consumer advocate and author, she has spoken on radio programs and to hundreds of people at seminars, workshops, and business groups. She has over 22 years of experience in the credit industry helping thousands of consumers escape the trap of debt and bad credit. If you are feeling helpless about your debt or low credit score visit http://mycreditsolutions.com or call 1-888-303-7722 for a FREE consultation.
Article Source: Article Directory
Dana, a 30-year old public relations specialist, may be earning big bucks while climbing the corporate ladder but like most unattached career women in town, she is struggling with the payment of her credit card balances. For Dana, Christmas is a challenging season as she would have to rein her spending impulses to remedy her already worsening credit rating.
Like Dana, most Americans (single or married) are faced with budgeting problems. Bad credit can get worse with overspending especially during the Christmas season. Holiday debts can pile up and contribute to a negative credit rating.
A negative credit rating is just a symptom of a budgeting problem that can get worse if it goes unchecked. If you still have left-over holiday debts from last year or if you have already placed yourself in deep Christmas debt this year then talk to a debt counselor or consider the following sure-fire tips for paying off your holiday debts quickly.
1. Use CASH whenever possible. Have you noticed how you become more conscious of spending when you need to pay in cash? Paying in cash allows you to keep track of your purchases in real time and by doing so (whenever possible) you would be able to keep yourself from splurging. Ergo: less credit card balances to pay at the end of the month or whenever your card is due.
2. Use your credit card wisely. That strip of hard plastic should be used only when necessary. The first rule of thumb is to use CASH whenever possible. However, American society is so dependent on plastic that you may have to use your credit card more often. Just make sure you do so for reasonable and necessary purchases. Christmas is not a license to overspend. You may be able to buy all the things you want for Christmas (up to your credit card's limit, that is!) but your credit history will suffer if you are not able to pay all your debts on time.
3. List all your outstanding debts. You may be spending too much because you do not keep track of your debts. Document your debts (both credit card and otherwise) and print them out for a quick reference. Seeing your actual debt in black and white will help you cut back on unnecessary expenses and Christmas spending until you have cleared your credit card balances.
4. Make holiday debt payment a priority. It is fun to spend but if you have over-expended your wallet then you have no choice but to prioritize the payment of your debts first before you incur new ones. If your Christmas debts are divided among several credit cards, choose the ones with the least amount and pay it first. Then choose the other credit card balances that you can afford to pay given your financial state.
5. Sacrifice your little pleasures. Paying off your credit card balances can be a pain especially when your finances are limited. This can mean little sacrifices like cooking home meals instead of eating out and drinking instant or office-made brewed coffee instead of going to expensive coffee shops during break time or after work. Before you know it, you already have enough savings to pay for some of your holiday debts.
6. Look for additional sources of income. If your income is limited then you may have to look for additional sources of income to pay off your holiday debts. You can monetize your hobby and make good money out of it. If you are good in photography, why not take photos of your fellow workers during the Christmas party and sell them their photos? Or if you bake a mean chocolate cake, why not sell them this Holiday season? Who knows, your sideline can become a business someday which will help you improve your finances.
If despite these tips you still find yourself overspending and incurring Christmas debts like there is no tomorrow then you should get professional help. Debt counseling groups and Certified Credit Consultants can help you get your spending habits as well as your credit back in track.
Valeri A. James is the President and CEO of Simple Solutions Credit Consulting, Inc. A consumer advocate and author, she has spoken on radio programs and to hundreds of people at seminars, workshops, and business groups. She has over 22 years of experience in the credit industry helping thousands of consumers escape the trap of debt and bad credit. If you are feeling helpless about your debt or low credit score visit http://mycreditsolutions.com or call 1-888-303-7722 for a FREE consultation.
Article Source: Article Directory
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Friday, December 7, 2007
Alternatives To High Risk Mortgage Refinancing
Alternatives To High Risk Mortgage Refinancing
By Mark WaltersMost investors find themselves in a cash crunch at one time or another. Vacancies, renovations, changes in mortgage terms and interest rates, municipal fees and taxes, it can all add up.
This leaves investors scrambling to balance their portfolios. Most refinance with an eye on mortgage products with lower monthly payments. The current product of choice is the interest only mortgage.
This mortgage lets property owners pay the interest part of a loan monthly, while making capital payments at a later date.
However, other factors need to be taken into account, such as closing fees, financing rates, and interest rates. What may seem like a short term solution can turn into a long term nightmare.
If the interest only mortgage will be obtained for more than two years, the investor will pay twice the interest rate for two years, which can add hundreds of dollars to at the mortgage. This type of mortgage flipping also makes it difficult to estimate how quickly the mortgages will be paid off.
The cost of switching mortgages between interest only and fixed rate mortgages can be high. The interest only mortgage does not decrease in value. If the investor takes out a $200 000 mortgage and makes payments for 10 years, the investor still owes $200 000. This means that the early closing fees will be higher, as much as $8 000 to arrange the mortgage twice.
This means that the investor is paying a high price for the privilege of having lower monthly fees for a year or two.
One thing that causes investors concern is that the interest only mortgage forces the investor to lose their profits for a year, or more, until the mortgage is refinanced. This alone should make investors hesitate before signing an interest only mortgage agreement for their investment properties.
The secondary concern with the interest only mortgage is that it doesn’t free any equity from the home to create profits for the portfolio, when the property is sold. This makes it difficult to obtain future financing that is needed to continue buying new properties. It also makes it more difficult to sell quickly at a profit. Both of these are vital components of any successful property investment strategy.
There are alternatives. As heart-breaking as it may seem, selling a non-performing property will relieve the cash crunch, and protect future profits. Put some of the profit in a bank account where it can be used to leverage equity, preventing the investor from being forced to consider a dangerous mortgage product.
Another opportunity will be to arrange a rent-to-own option with one of your current renters, or to encourage renters to fill a few properties. The rent-to-own is a bonus for investors. The investor still profits, on an annual basis, even without flipping the property. If the renters leave, the property reverts to the investor’s ownership. The investor is not obligated to return any of the money to the renter – plus the investor still owns the property.
The average person moves once every five years. Combine this with the fact that renters who believe they are purchasing the home will take better care of the property, and the investor has created a win-win situation that increases their income stream while protecting their investments.
Smart investing requires more than understanding market trends. Sometimes an investor can avoid a disaster by taking a good look at alternatives to the traditional methods of investing, arranging financing, and flipping properties.
About the Author: Mark Walters is a third generation entrepreneur and author. He offers free training and investing videos designed to speed you towards financial independence at http://www.cashflowinstitute.com/
Source: http://www.isnare.com/
Permanent Link: http://www.isnare.com/?aid=206922&ca=Finances
Tuesday, December 4, 2007
Stop Dodging Your Creditors
Stop Dodging Your Creditors and Seek Their Help by Ajeet Khurana
By the time I had graduated from college, I found that I was to pay a huge burden of debt. I knew that with my college degree, I would be able to get stable employment as well as a hefty salary. Then I was offered my very first credit card, without my even looking at the interest rates and other hidden charges.
Within two years of working as an executive assistant, I was already drowning in credit card debt and have not been able to pay off my mortgage and insurance premiums. I even coined a nickname for myself, debt delinquent.
Many a time, we choose to ignore calls from the lending company. If they can't reach you or find you, you're safe, right? WRONG! This tendency to avoid the lender is a bad one as one loses out on possible ways of fixing one's credit situation.
If only I had taken the time to talk to any one of my creditors, I would have been given a chance to pay them off instead of filing for bankruptcy. Sometimes you have to learn things the hard way.
Lending companies will want you to pay them back. Your bank will want some of the money that you spent on your holiday sprees. You could talk your lending company into providing you with some means that will make repayment easier. They are not as evil as you think they are. In fact, lending institutions can save you from falling into poverty -- or bankruptcy at least.
Your credit card issuer will mostly likely give you amnesty, if you promise to pay them back with a span of time. In fact, you could even try to get a reduction on the interest that you are shelling out every month. By talking to them, you will have a lot more options on how to settle your balance than by hiding out in the mountains until you think they have surely forgotten about you.
But during this time, your credit card accounts might be closed as they do not want you accumulating more debt while trying to pay off your balance.
If you have unpaid loans from various institutions, they will almost certainly advice you to join a debt management program or refer you to a debt counselor. If you are currently struggling with a major burden of debt and have multiple loans to pay, go in for debt consolidation.
With consolidation, all of your debt will fall under one loan. You not only get lower interest rates but also decreased monthly payments. Do not worry so much about your credit score at this time, focus on paying off your debts. Once you have managed to settle your debts, you can turn with full steam on to the job of rebuilding your credit. Just one point to remember is that student loan consolidation works differently and it does not affect your score.
Reaching out to creditors gives them the impression that you want to pay them back and you're willing to do it on terms that are beneficial to both parties. This is a good way to impress upon potential creditors that you made the effort to repay your debts despite your financial troubles.
Get debt help and debt relief. While you are at it, find out what is an IVA. Be a responsible borrower.
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By the time I had graduated from college, I found that I was to pay a huge burden of debt. I knew that with my college degree, I would be able to get stable employment as well as a hefty salary. Then I was offered my very first credit card, without my even looking at the interest rates and other hidden charges.
Within two years of working as an executive assistant, I was already drowning in credit card debt and have not been able to pay off my mortgage and insurance premiums. I even coined a nickname for myself, debt delinquent.
Many a time, we choose to ignore calls from the lending company. If they can't reach you or find you, you're safe, right? WRONG! This tendency to avoid the lender is a bad one as one loses out on possible ways of fixing one's credit situation.
If only I had taken the time to talk to any one of my creditors, I would have been given a chance to pay them off instead of filing for bankruptcy. Sometimes you have to learn things the hard way.
Lending companies will want you to pay them back. Your bank will want some of the money that you spent on your holiday sprees. You could talk your lending company into providing you with some means that will make repayment easier. They are not as evil as you think they are. In fact, lending institutions can save you from falling into poverty -- or bankruptcy at least.
Your credit card issuer will mostly likely give you amnesty, if you promise to pay them back with a span of time. In fact, you could even try to get a reduction on the interest that you are shelling out every month. By talking to them, you will have a lot more options on how to settle your balance than by hiding out in the mountains until you think they have surely forgotten about you.
But during this time, your credit card accounts might be closed as they do not want you accumulating more debt while trying to pay off your balance.
If you have unpaid loans from various institutions, they will almost certainly advice you to join a debt management program or refer you to a debt counselor. If you are currently struggling with a major burden of debt and have multiple loans to pay, go in for debt consolidation.
With consolidation, all of your debt will fall under one loan. You not only get lower interest rates but also decreased monthly payments. Do not worry so much about your credit score at this time, focus on paying off your debts. Once you have managed to settle your debts, you can turn with full steam on to the job of rebuilding your credit. Just one point to remember is that student loan consolidation works differently and it does not affect your score.
Reaching out to creditors gives them the impression that you want to pay them back and you're willing to do it on terms that are beneficial to both parties. This is a good way to impress upon potential creditors that you made the effort to repay your debts despite your financial troubles.
Get debt help and debt relief. While you are at it, find out what is an IVA. Be a responsible borrower.
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Sunday, December 2, 2007
Christmas and Your Money Problems
Money Problems Are 'More Pronounced Towards Christmas'
By Mark Dawson
More people could be struggling in their ability to handle their finances, new studies have shown.
In research released by Chiltern, the proportion of their income that consumers could afford to pay back to creditors on areas such as store cards and loans during November stood at some 17 per cent, a decrease of one percentage point from figures noted during the previous month. Findings from the firm also showed a slight rise in living costs over the course of November. During the month such expenses accounted for 83 per cent of consumers' income, up from the 82 per cent noted in October. However, with the rate that they are contractually obliged to pay back remaining consistent, money management may become more difficult for a number of Britons.
Commenting on the figures, Joanne Gill, spokesperson for the debt management consultancy, said: "Our research shows that six million people in the UK are struggling with their finances and one million admit to being seriously overstretched - these figures demonstrate that predicament very clearly. Debt is a source of constant stress for many families as they juggle their credit commitments to maintain their minimum payments and spiral further into debt. It is particularly pronounced at this time of year as people feel under pressure to enter into the festive spirit whether or not they can afford to."
According to the firm, a "key indicator" of consumers developing problems with their finances is when at least a quarter of their salary is going towards debt repayments. Another such sign is the use of credit - whether this is through a secured personal loan or plastic card - to pay for essentials such as transport and food. Meanwhile, people are also reported to be developing "debt stress" if they are only able to make the minimum amount of repayments on credit and store cards, as well as having at least four debt commitments.
Consequently, people worried about their capacity to meet various demands on their finances were advised to draw up a list of all the money that they have coming in on a regular basis, such as wages, benefits and maintenance payments. Ms Gill then suggested that people should create an expenditure chart, tracking their payments on mortgages, utility bills, secured loans, food and other spending commitments. After subtracting the total of the former from the latter, should people they find they have a negative balance, Chiltern urged them to seek out help with their finances.
Meanwhile, with the festive period rapidly approaching, those who are already struggling to manage their money may wish to take steps to rein in their spending, with the application for a consolidation loan one possible way in which this could be done. Consequently, many Britons could find that applying for a low-cost loan as a means of consolidating debts could help them get to grips with their expenditure. Such a loan may see borrowers clear off debts owed to a number of creditors quickly and leave them with a single low-rate monthly repayment.
As a result, an application for a debt consolidation loan may especially be advisable for young people as a recent study carried out by iva indicated that about one in four of those between 18 and 24 are struggling to handle their finances. In addition, it was suggested that 1.2 million children currently in school will discover that they will have money management problems in the next five years. Overall, the insolvency publication suggested that 16 per cent of Britons have debts which they feel unable to pay back. As a result, the provision of monetary education in schools was urged to help people manage their spending and to compare loans and other financial products effectively in later life.
Mark Dawson writes for the the Loan Arrangers where you can apply online for low cost loans, you can also compare secured loans online, and apply for poor credit loans.
Article Source: http://EzineArticles.com/?expert=Mark_Dawson
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Online Shopping Carts
Online Shopping Cart System: 6 Points You Need to Know BEFORE Choosing Your System by Tracey Lawton
I recently ventured into the world of creating digital information products and selling them via my website. One of the biggest dilemmas I faced was deciding which shopping cart provider to go with.
Having worked on various shopping cart systems for clients, I knew my way around setting these up, but when it came to my own online shopping cart system I couldn’t decide the best way forward.
Ultimately I ended up making a poor choice by going a cheaper alternative route, than the service I really wanted. The reason I made this poor decision was lack of confidence on my part – I wasn’t sure how well my product would sell and didn’t want to invest heavily in a service that I may not need or use!
The reality of going the cheaper route? I had customers who weren’t able to download their product or make a payment and I lost revenue because of this!
To save you the same trouble I went through, here are my top 6 tips for ensuring that you get the right shopping cart system for YOUR business.
1. Think about your long-term goals. Having a shopping cart system that grows with your business is crucial to your long-term goals, particularly if you’re planning on launching more products and services in the future.
You'll want to ensure that the shopping cart system you choose can easily handle additional products and services.
2. How simple is the shopping cart to set up? Can you easily do the product setup yourself, or does it require you to hold a degree in computer programming! You don’t want to be spending huge amounts of your time on the phone to tech support, or getting frustrated because the shopping cart isn’t easy to set up.
If the shopping cart system provides you with HTML code that you have to add to your website, consider how comfortable you feel adding this. You may decide that this is a service to outsource to your Virtual Assistant.
3. Accepting online payments. If you’re going to be selling products/services online, whether they’re digital or physical products, you will need a system that can accept online payments. These days customers want instant gratification, which is why digital products are so popular, and you need to be able to accept payments instantly too.
Think about this situation - you go on to a website and in order to buy a product you have to print off an order form and fax it in, or call to place an order! That's not easy for your customer and you will have just lost the sale! The best solution is to get a merchant account, and ensure that your merchant provider’s services are compatible with your online shopping cart system.
4. Cost of your Online Shopping Cart System. It can be a false economy to go the cheaper route, particularly if it doesn’t offer all the features and functionality you want. Come up with a list of what you would like in an online shopping cart system, and then find a service that will meet ALL of your needs.
5. Customer Service. You want to make it as quick and easy as possible for your customers to purchase from you and get instant access to their product. An online shopping cart system that offers digital download of your products will do this for you.
And if you have a physical product ensure that your shopping cart service can calculate postage and print shipping labels too.
Don’t make your customers jump through hoops just to make a purchase from you!
6. Autoresponders and follow-up messages. It’s much easier to sell future products to existing customers – after all they already know, like and trust you. In order to do this you need your shopping cart to be able to keep a database of your customers so that you can follow up with them. Autoresponders are a great way to do this. You can follow up with your customer several times after they’ve made a purchase and check in with them to see how they’re getting on with your product. And you can do this very easily and quickly if your shopping cart has an autoresponder feature.
Keep all of these points in mind when choosing your online shopping cart system, and you will find the perfect solution for you!
About the author: Online Business Manager & Virtual Assistant, Tracey Lawton, supports professional speakers, coaches, and authors to operate an efficient, organized, and profitable business. Learn how to create an efficient and organized office in 7 EASY steps, and receive free how-to articles at http://www.VirtualSolutionsEzine.com
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I recently ventured into the world of creating digital information products and selling them via my website. One of the biggest dilemmas I faced was deciding which shopping cart provider to go with.
Having worked on various shopping cart systems for clients, I knew my way around setting these up, but when it came to my own online shopping cart system I couldn’t decide the best way forward.
Ultimately I ended up making a poor choice by going a cheaper alternative route, than the service I really wanted. The reason I made this poor decision was lack of confidence on my part – I wasn’t sure how well my product would sell and didn’t want to invest heavily in a service that I may not need or use!
The reality of going the cheaper route? I had customers who weren’t able to download their product or make a payment and I lost revenue because of this!
To save you the same trouble I went through, here are my top 6 tips for ensuring that you get the right shopping cart system for YOUR business.
1. Think about your long-term goals. Having a shopping cart system that grows with your business is crucial to your long-term goals, particularly if you’re planning on launching more products and services in the future.
You'll want to ensure that the shopping cart system you choose can easily handle additional products and services.
2. How simple is the shopping cart to set up? Can you easily do the product setup yourself, or does it require you to hold a degree in computer programming! You don’t want to be spending huge amounts of your time on the phone to tech support, or getting frustrated because the shopping cart isn’t easy to set up.
If the shopping cart system provides you with HTML code that you have to add to your website, consider how comfortable you feel adding this. You may decide that this is a service to outsource to your Virtual Assistant.
3. Accepting online payments. If you’re going to be selling products/services online, whether they’re digital or physical products, you will need a system that can accept online payments. These days customers want instant gratification, which is why digital products are so popular, and you need to be able to accept payments instantly too.
Think about this situation - you go on to a website and in order to buy a product you have to print off an order form and fax it in, or call to place an order! That's not easy for your customer and you will have just lost the sale! The best solution is to get a merchant account, and ensure that your merchant provider’s services are compatible with your online shopping cart system.
4. Cost of your Online Shopping Cart System. It can be a false economy to go the cheaper route, particularly if it doesn’t offer all the features and functionality you want. Come up with a list of what you would like in an online shopping cart system, and then find a service that will meet ALL of your needs.
5. Customer Service. You want to make it as quick and easy as possible for your customers to purchase from you and get instant access to their product. An online shopping cart system that offers digital download of your products will do this for you.
And if you have a physical product ensure that your shopping cart service can calculate postage and print shipping labels too.
Don’t make your customers jump through hoops just to make a purchase from you!
6. Autoresponders and follow-up messages. It’s much easier to sell future products to existing customers – after all they already know, like and trust you. In order to do this you need your shopping cart to be able to keep a database of your customers so that you can follow up with them. Autoresponders are a great way to do this. You can follow up with your customer several times after they’ve made a purchase and check in with them to see how they’re getting on with your product. And you can do this very easily and quickly if your shopping cart has an autoresponder feature.
Keep all of these points in mind when choosing your online shopping cart system, and you will find the perfect solution for you!
About the author: Online Business Manager & Virtual Assistant, Tracey Lawton, supports professional speakers, coaches, and authors to operate an efficient, organized, and profitable business. Learn how to create an efficient and organized office in 7 EASY steps, and receive free how-to articles at http://www.VirtualSolutionsEzine.com
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Home Mortgage Problems
Homes For Sale: Mortgage Problems
by Peter Shukla
Want extra money? Are you searching for ways to make ends meet through medical bills, retirement plans, unemployment, or tuition bills? You might have researched a second mortgage on your house, but have decided that it does not offer enough money. Or, you might not qualify for a mortgage, or you might be finding it difficult to pay for your existing mortgage.
You may want to look into the "rent back" option. Rent back means you sell your home to a specialized real estate agency, and over time, you pay a low monthly rental fee. This is so you can continue living in your home, and over time you will buy your home back, returning the ownership to you.
A "sell and rent back" plan is a great idea for people unable to qualify for a regular second mortgage. Just as is the case with a regular mortgage, your home serves as the collateral. However, unlike the a regular second mortgage, payments are not added to existing mortgage payments and are also very low.
It doesn't matter the size of the property - whether an apartment, house, condo, or manufactured home - any house can become homes for sale in a rent back plan. Studio apartments for rent back can even be placed on the market. Whether your home is big or small, real estate agents can work with you to find a monthly payment that is reasonable.
Rent back plans place homes for sale briefly, but since the home owner signs a document stating that the real estate company cannot sell the home to anyone else for a predetermined length of time, the home owner will definitely be allowed to continue to live in the home. No rental rules will apply, so the home owner will still have the legal right to reside in his or her home.
If you have worried and wondered whether you will have to leave your current home for a smaller and more inexpensive one, and therefore have started searching for homes for sale, you shouldn't worry. You can stay in your current home forever, if you take advantage of rent back plans.
Are your pockets nearly empty? Are you drowning in a sea of debt? Perhaps you have decided against the idea of taking a second mortgage on your house since you're concerned about qualifying, or you're daunted by the difficulty of paying off your first mortgage. You should know that all homes, regardless of size, become homes for sale with a rent back plan.
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by Peter Shukla
Want extra money? Are you searching for ways to make ends meet through medical bills, retirement plans, unemployment, or tuition bills? You might have researched a second mortgage on your house, but have decided that it does not offer enough money. Or, you might not qualify for a mortgage, or you might be finding it difficult to pay for your existing mortgage.
You may want to look into the "rent back" option. Rent back means you sell your home to a specialized real estate agency, and over time, you pay a low monthly rental fee. This is so you can continue living in your home, and over time you will buy your home back, returning the ownership to you.
A "sell and rent back" plan is a great idea for people unable to qualify for a regular second mortgage. Just as is the case with a regular mortgage, your home serves as the collateral. However, unlike the a regular second mortgage, payments are not added to existing mortgage payments and are also very low.
It doesn't matter the size of the property - whether an apartment, house, condo, or manufactured home - any house can become homes for sale in a rent back plan. Studio apartments for rent back can even be placed on the market. Whether your home is big or small, real estate agents can work with you to find a monthly payment that is reasonable.
Rent back plans place homes for sale briefly, but since the home owner signs a document stating that the real estate company cannot sell the home to anyone else for a predetermined length of time, the home owner will definitely be allowed to continue to live in the home. No rental rules will apply, so the home owner will still have the legal right to reside in his or her home.
If you have worried and wondered whether you will have to leave your current home for a smaller and more inexpensive one, and therefore have started searching for homes for sale, you shouldn't worry. You can stay in your current home forever, if you take advantage of rent back plans.
Are your pockets nearly empty? Are you drowning in a sea of debt? Perhaps you have decided against the idea of taking a second mortgage on your house since you're concerned about qualifying, or you're daunted by the difficulty of paying off your first mortgage. You should know that all homes, regardless of size, become homes for sale with a rent back plan.
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Helpful Hints To Improve Your Credit
Improve your Overall Credit with these Helpful Tips
by TLKleban
Ok, you've had a few problems getting all of your bills paid recently. You go to sleep wondering how you are going to get by and how you can repair the damage done to your credit. Hopefully, this can put your mind at ease – You're not the only one with bad credit. More than 30 million Americans have credit scores under 620 and severe enough to make getting loans and credit cards with reasonable terms near impossible.
Let's say your credit score isn't on life support like those people but you wouldn't mind improving it a little. That's fair enough since a better credit score can help you get lower interest rates on mortgages, loans, and credit cards. Next time you bring up credit score and start to feel down and disappointed with what you see, use these simple things to improve your score.
Merit Capital Advance looks at the big picture by offering a financing program that provides small businesses with fast business cash. It is the most convenient way to get a small business cash advance when you need it most. Visit Merit Capital Advance at www.meritcapitaladvance.com.
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by TLKleban
Ok, you've had a few problems getting all of your bills paid recently. You go to sleep wondering how you are going to get by and how you can repair the damage done to your credit. Hopefully, this can put your mind at ease – You're not the only one with bad credit. More than 30 million Americans have credit scores under 620 and severe enough to make getting loans and credit cards with reasonable terms near impossible.
Let's say your credit score isn't on life support like those people but you wouldn't mind improving it a little. That's fair enough since a better credit score can help you get lower interest rates on mortgages, loans, and credit cards. Next time you bring up credit score and start to feel down and disappointed with what you see, use these simple things to improve your score.
- Get a copy of your credit report - How are you supposed to repair your credit if you don't even know what it is or what to work on? Any of the major credit bureaus can help in getting a copy for yourself to look over an review.
- Clean up your credit report - There will be times as you are looking over your credit report and there will be wrong information. You are allowed to by law to have it removed. All further reports from then on out will include what you feel is correct and information stating your dispute over inaccuracies.
- Get current on delinquent accounts - Were you aware that payment history consists of 35% of your total credit score. A great and instant way to make an impact on your credit is to start paying on delinquent accounts and get current.
- Keep balances open on accounts - Try to hold off on closing out credit cards which are delinquent. This may have an adverse affect on your credit score. Make sure it won't before you close one out.
- Call your creditors - You may be a little surprised with this being on my list since they are the ones you are avoiding but try to hear them out. They can and will work with you in some circumstances. Tell them about your specific situation. Many crediting companies have temporary hardship programs available. These reduce the monthly minimum payments until you can pay more on the balance.
- Pay off debts - Your credit score will never improve unless you begin paying off those debts. I'm sorry to say this but you may need to sell off some of your things if you don't have the cash on hand. I know it's a sacrifice but it is worth making for some financial freedom.
- Be patient - Your credit didn't end up in the dumps overnight and it won't get out either. It's going to take some time. The only thing you can do is keep paying on those debts. Eventually, you'll see some improvement.
Merit Capital Advance looks at the big picture by offering a financing program that provides small businesses with fast business cash. It is the most convenient way to get a small business cash advance when you need it most. Visit Merit Capital Advance at www.meritcapitaladvance.com.
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