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Tag: personal

5 Things A Start Up Business Should Not Do

At Watt Media, we often consult small business owners on the best ways to convey a professional image. Many start-up business owners don’t realize the signals they give off that make it obvious that they are a small one-person business. Here are 5 things NOT to do that just scream, “I am a one-person business”:

1. Don’t have kids screaming in the background during a phone conversation. Have a home-based business? Many of the most successful businesses started that way, but nothing will make you look more “small time” than making it so obvious. (same goes for barking dogs!)

2. Don’t use a cell phone. Does your business phone number ring to a cell phone? Calls breaking up, echo – it’s obvious to people you’re on a cell phone. If being a one-person business is not something you want to promote, use a land line.

3. Don’t answer your phone, “Hello?” Nothing screams “small time” more than answering your phone with a mere, “Hello.” You’re running a business – answer with your business name!

4. Don’t have a personal voice-mail outgoing message. What do customers hear when you’re not there? If you use your home phone line for business, they will hear your home answering machine – talk about small time! Same with your cell phone – “Hi, this is John, leave me a message…” – small time!! Invest in a separate phone line and leave an outgoing message with your company name. Better yet, get someone else to record it for you!

5. Don’t have business cards with no address. You know what I think to myself when I go to a networking event and am handed a business card with no address listed? I think, “Small time!” Don’t want to use your home address? Get a P.O. Box – for a little extra, you can get one that looks like a real address, such as the ones at The UPS Store.…

Internet Marketing Tips – How to Make Wads of Extra Money Online

How would you like to make extra money online doing things that you love? There are a variety of work from home opportunities at your fingertips that do not cost a single dime for you start up! In fact, many of these programs actually pay you to take part in them.

1. Online Paid Surveys

Case in point, online paid surveys. Companies all through the world have commissioned online survey companies to collect the opinions of people from all walks of life. These online companies will pay you to simply sit down and share your thoughts about various products and services. All you have to do is share your opinion and you will be paid!

2. Article Writing

You can also make extra money online by writing articles for websites. If you are a talented and creative writer you can find an avalanche of opportunities wherein you simply will write articles on various topics and be paid for each article you write!

3. Producing Videos

Additionally, if you have any video talent whatever, you can start producing video blogs which you can then upload to websites such as YouTube and Viddler. Once you have established yourself as a creative and unique broadcaster, you can apply to become a Partner. You will then begin earning money each and every time someone views one of your videos.

Consider your talents and find those things that you love to do most in life. Chances are you will be able to find an easy way to make extra money online doing something that love to do! …

Biography Collection of Great Past Entrepreneurs – A Book Review

Andrew Carnegie has been noted for saying that if you want to be successful in business then you must do what successful people do. And to do that you must study how they lived, what they did and get some insight into their methods of operation. This is indeed good advice which no one can deny. Perhaps, this is why business students, professors, and future entrepreneurs study all the great business leaders of the past?

Since this is the case, I'd like to recommend a very good book to you about past great entrepreneurs, it is a collection of their biographies, shortened course, and it is still on my bookshelf after all these years. The book is:

"The Entrepreneurs – Twelve Who Took Risks and Succeeded" by Robert L. Shook; Harper and Row Publishers, New York, NY; 1980. ISBN: 0060140259.

There were numerous standout great quotes, one of them that I liked was by W. Clement Stone; "I do not care what field you are in, anyone who really wants to be successful must develop a plan to duplicate their success."

Another great thing the reader will take away from this book was the authors note that if you want to win in business you must have goals; "Write down your goal, give yourself a deadline, set high standards, aim high."

This book profiled such great past entrepreneurs as; John W. Galbreath, W. Clement Stone (insurance), Mary Hudson (oil), Dale W. Lang (media), S. Roger Horshow, William J Richards (farming), Mary Kay Ash, Joseph Sugarman, Richard Schultz, William McCowan, and John Delorean. And it explained their similarities, attitudes, methods, big business deals and drive. I know you will love this book as much as I did and hopefully like me you will keep it on your shelf for a reference, please consider this. …

Why Do You Need Title Insurance?

If you have ever purchased a house through a realtor and with a mortgage, then you have seen a title commitment. This is a "bill of health" from a title insurance company, alerting you to those owners the property you are purchasing and to any liens, mortgages, or encumbrances on the property. It is essential that you get a title commitment and title insurance.

A typical sales agreement requires the seller to give the buyer a "warranty" deed. The word "warranty" means that the seller is guaranteed to the buyer that he / she owns the property, that it consist of the legal description set forth in the title commitment, and that the liens, encumbrances, and mortgages will have been discharged at the time of closing so that the property is transferred without any baggage. As an aside, if the sales agreement was signed by one person but the title commitment indicating that there are two owners of the property, both of the owners must sign the closing documents for the sale to be consummated. If the property is owned by an estate (because the owner died), the personal representative may need to get a court order to obtain the authority to sign a deed on behalf of the estate. If the property is owned by a corporation, then a majority of the shareholders must consent to the sale through a corporate resolution for the sale to be effective.

When there is no title insurance guaranteeing the legal description, the legal owner, and the absence of encumbrances at the time of closing, the buyer usually receives a mere "quit claim" deed. This means "buyer beware" -in spades. The buyer may later have a claim for fraud against the seller, but that means a lawsuit and potential problems with collecting on a judgment. If, on the other hand, you have title insurance and discover that legal description was wrong, the seller did not have the right to sell the property, and / or liens or other encumbrances were not disclosed or not discharged, you can file an insurance claim and hopefully be paid almost immediately.

When you buy property, especially if it has been foreclosed or you are buying it as a "short sale," be sure to get a title insurance commitment. The commitment provides direction for what needs to be done to remove liens, encumbrances, and mortgages from the public record. The commitment, however, can "expire." There is a date, usually at the top, that reflects the last date that title to the property was checked. You can request that the title commit be "updated" to the date of the sale. If it is not and you accept a commitment with a stale date, then you may not be able to complain if the IRS filed a lien against the property the day before the sale, and the title company did not discover it. Because title insurance companies are connected these days to the Register of Deeds office, it is …

The Keys to Effectively Managing Your Money

Are you the member of the family who is in charge of managing the money? In case you are married or living with someone, one of you should do the bills. At least that's how I see it. Managing the money need not be a painful chore. As`long as intelligence, combined with common sense is exercised. I would imagine that you would not want anything bouncing. I have my own phrase for that – intelligently managing your money. You should keep track of everything and stick to your budget.

It would be a bad idea to spend more than you can afford to. We all have different income levels but no matter how much it is, we should try to stick to it without charging. There might be exceptions to this rule but is a new toy, a television or a CD player one of them?

Capital is simply one of the things we never seem to have enough of. What I have found myself to be the key to this situation is to make the most of what I have. This means we should try to manage our own money as good as possible. Maybe you have set some money as for a wise investment. Making investments for the future is a good way to manage your money. But yet you should keep it to a limit.

My wife and I started managing our money a bit better recently. What made our budget weak was our wish to shop at that fancy grocery store. There are the products and meat are organic, corn fed, no antibiotics and pesticides. It is all good but it costs a lot. These grocery stores are quite expensive, so what is the deal with the food? It is worth eating well.

However, we spend too much of our budget on food each week. We just needed to change that and start spending our money more wisely. That's how we set a certain weekly amount of money for groceries and we stuck to it. Who said that managing your money can not be done has obviously made a big mistake.

Are you managing your money and not going into debt? Do not forget that one day retirement will come and you will then want to have money put aside. Those days of not working might come soon. Make sure you are ready when this happens. In case you do not know how to handle your own budget and need some help, it is a good idea to hop online and get some tips on managing your money properly. The Internet is the prime place to get free data which will aid you in managing your money for the future. …

How to Choose a Tattoo Design

Choosing a tattoo design is a huge decision and obviously one that has life long implications. Here are three principals to apply when choosing a tattoo design.

1. Passion. What do you have true passion for? You can seldom go wrong when choosing a tattoo design if you can answer this question. True passion means “lasting passion”. It’s not enough to just feel passionate about something that could potentially be fleeting. Feeling true passion for something means that it is not a fad or an ideal that rolled in with the tide and will roll out the same way. True passion is not only strong in the moment, but strong in the long run. It is true that even a seemingly long lasting passion can unexpectedly simmer down or altogether disappear, such as a marriage. Thus passion towards a generalized state of who you are, what your character is, or those whom you will always love no matter what are things to consider when applying passion for a strong tattoo image. And if a particular passion does fade, the tattoo design can serve as a reference as to what passion feels like. Then that particular tattoo design can be applied to greater endeavors in your life to come, and can still serve as an overall symbol for passion.

2. Symbolism. A tattoo design has long been known to serve as a symbol for something. Choosing symbolism as a means to find the right tattoo design can serve both the purpose of providing meaning to the tattoo, while also helping you greatly narrow down your decision. For instance sailors used to get a nautical star tattoo design as a symbol for guidance and protection. Here you have a simple star suddenly taking on a much stronger importance as a tattoo design with strong symbolism.

3. Individuality. Finally, a tattoo design is personal. It is not a car or piece of clothing you are going to buy, only to discard when the latest trends tell you it’s time to move on. No, this is going on there for good. So before getting a chain link around your bicep or a rose on your ankle, because your girlfriends or the guys at the gym got the same, think instead about implementing your own individuality into a tattoo design. But if it is a generic design and you do you feel a personal attachment to it, you truly enjoy the particular image, then do consider it. There is an old school black tiger tattoo design that many people take a personal liking to and have made the decision to have it inked. To test out your personal feelings towards a particular tattoo design, it’s always wise to wait six months to a year, and then see if the feeling still holds strong. A tattoo design absolutely does not have to be originally made for it to be personal. Most of the time, quite the contrary, since there are so many wonderful, beautiful, stunning, and …

Using ClickBank to Make Money Online

ClickBank has become synonymous with affiliate marketing in the past couple of years. This website offers a valuable service to both those with products who want to sell and those who want to sell but have no product.

As an affiliate, signing up to an affiliate network will make things very easy for you will not need to manage multiple usernames and passwords for each product you promote. You can simply use the linking structure provided to you by the network to link to any product website that you choose. Then, when a sale is made the affiliate network takes care of the payment processing and makes sure that you get paid your responsibilities.

ClickBank is the most easy to use, and highly effective Affiliate networks available. All products are digital in nature and can be immediately delivered over the internet. Although ClickBank is very easy to use and we highly recommend using it, there is a low level of fraud protection provided. Although the refund rates of many products are very small, some people have taken advantage of the guarantee available for all CB products.

Let's look at selling your product through them first. If you have any type of informational product, you can set up an affiliate program through them and have hundreds of vendors selling it for you in no time flat. The setup fee for placing a product on ClickBank is $ 50, but once you have your account set up, you can add as many products as you wish. They charge you a percentage for each product sold through their affiliates.

The advantage to using them as your affiliate program organizer is that you do not have to apply for an expensive merchant account, the website handles all payments. They also organize your affiliates so you can make sure that you pay your vendors on time, and can see at a glance how many people are selling your products.

Also, ClickBank has a pool of about 100,000 affiliates, so you do not have to struggle to attract two or three sellers to your site; they are already there, browsing for new opportunities. It can save the average webmaster a lot of time, as opposed to setting up your own affiliate program by writing your own code and then trying to find people to sell the products.

Now, if you are interested in becoming one of those 100,000 affiliates that ClickBank boasts of, you can sign up for free. Everything on the site is an information product, so you can download them immediately once you pay.

The data base on the ClickBank website is massive, with thousands of products to choose from. Each one has vital information such as the price and the percentage that you, the affiliate will receive. Becoming an affiliate for any of these products is extremely easy; you simply need to plug your ID into the code given for each product! The ID works with any product in the data base and …

Homeowners Insurance for a Mobile Homes in Oklahoma

A sad fact in the state of Oklahoma is that there are over fifty tornadoes there each year. For everyone living there this is obviously a fact of life they have grown accustomed to. In addition to being prepared by knowing what to do when a storm like this is approaching, it's important for all homeowners to have adequate insurance in place.

Homeowner's insurance for a mobile home in Oklahoma is essential. Not only does it offer some protection in the wake of a tornado or a heavy thunderstorm, but it also provides peace of mind to the homeowner in the case of a theft or fire. Although many people mistakenly believe they can save money by simply not purchasing home insurance at all, this can lead to disaster. Mobile homes are often intolerable to incredible damage during a storm or fire and without insurance the homeowner will be without refugee and will have to start all over from square one.

When shopping for mobile home insurance there are a few things to keep in mind. One is the area of ​​Oklahoma that you live in. Most manufactured homes are located within mobile home communities. Quite often these are located on the outskirts of large cities. Someone living in this type of setting can actually expect to pay a bit more in premiums for their home insurance than someone living in a rural location.

The age of the mobile home itself will also be a factor in determining the bottom line cost for the home insurance. Newer mobile homes are often provided with better safety features including pre-installed smoke alarms and the latest wiring. If someone purchases a manufactured home that is several years old, they may save on the initial purchase price but there's a strong likelihood that they'll end up paying substantively more in insurance costs because their home is viewed as more of a risk. …

Regulatory Requirements And Their Impact On Your Business

Regulatory requirements, as the term implies, are requirements mandated by relevant authorities for your business. Anything closely or remotely related to your business must be within your purview. Complete information on such requirements facilitates the future course of action and advances any fines or obligations attached.

The requirements serve as a legal fence. A full understanding of these requirements is also crucial for achieving competitive edge. The key terms here are the right direction and, therefore, the strategy or the business direction must be carefully drafted to ensure that it is right.

The basic regulatory frameworks and acts that govern the present business operations include Sarbanes Oxley Act (SOX), 2002), Gramm-Leach-Bliley Act (1999), and Health Insurance Portability and Accountability Act (HIPAA, 1996).

The specific requirements vary and require careful study; However, at the core, these regulatory tools ensure that your operations benefit the society. Accountability, integrity, confidentiality, transparency, and availability are few of the functions served by the regulatory framework.

The basic impact of the regulatory requirements on your business depends largely on how you perceive and implement them. Ignorance or negligence towards this end can lead to eventual negative consequences.

The Customer:

An important area affected is the customer trust and association with you. How you produce is an important determinant of how much you sell. The modern consumer is becoming increasingly cautious of things that go one backstage.

The Associate:

In the same category falls the impact of such obligations on your prospective associations, mergers or alliances. The other party is wary of defaulters or partners who are continuously avoiding the legal net by wrong means for wrong reasons.

The Future:

Anticipating future changes and their implications are important in case of regulatory requirements. Investments or other critical decisions made without taking into account such factors could cause huge losses in times to come. A minor amendment or an introduction could kill the profit streams and might entail huge configurations in your plans. So make sure to include regulatory commitments while planning.

Regulatory requirements are supposedly to benefit the society and you but what is important is how you mold them to gain. Do not expect to sit back and wait for things to change for you; Rather, make necessary changes in the overall business strategy that includes the regulatory requirements as a complementary add-on. …

How To Make Money By Giving A Free Course

Suppose you could give away free access to a course to anyone and everyone.

And further suppose that by giving away the course, you can make $10,000 a month.

Interested? Here’s how one bloke (we’ll call him Jim) is doing exactly that:

Jim created a large, comprehensive course aimed at newbies who want to start an online business.

Mind you, he didn’t create it from scratch. Rather, he took the best PLR he could find and repurposed it into a massive course that teaches people all of the main methods of online marketing, such as PPC, affiliate marketing, list building, flipping websites, Amazon, selling software, creating info products, blogging and so forth.

In the course, he includes the basics of each method and encourages his students to choose a method and get busy building their business.

Then for each method, he promotes an affiliate link for the ‘best’ in-depth course in each category.

Now pay attention to this next bit – he only promotes recurring courses. That is, membership type courses and sites that bill month after month.

So when he makes a sale, he’s going to continue to get paid on it for as long as that person remains a member.

It gets even better, because he also promotes related products such as web hosting, autoresponders and so forth. Anything that makes sense, works and bills monthly is a product he’s likely to promote.

And he doesn’t even stop there. He is also creating his own recurring courses on each topic. Once he finishes a course, he puts it online and then changes the corresponding affiliate links to his own course.

He likes to make each course a set length of time such as six to eight months, because he’s found the students tend to stay longer and pay more when there is an ‘end’ in sight.

And of course inside each of his own courses, he promotes corresponding products that help his students build their businesses better and faster.

He does all of this by first building trust with his list, showing that he knows what he is talking about, and being the reader’s advocate and teacher.

Creating the trust is crucial, and it’s pretty darn easy, too. When you tell your readers the good and the bad of any money making method, they start to trust you. Remember, most marketing emails for online business type products are only telling the subscribers how great something is. They don’t tell what’s not so great. But he always gives his opinion, both good and bad, and because of that people love him, trust him and pretty much do whatever he says to do.

So by the time he gets around to promoting affiliate links, his readers are taking his suggestions without a second thought.

I know he’s earning at least $10,000 a month with this method, and frankly he’s not working all that hard, either. The main thing he focuses on is continuing to bring new people into his free …