Monthly Archives: April 2012

Business Debt Consolidation-Even The Well Oiled Machines Can Use Help

Even a well run small business can run into some financial problems and may need to consolidate it’s debt. It can be difficult to focus on your business and not just on your debt. You need to be able to grow your business and not worry about your debt. For situations like this, you might want to consider a business debt consolidation loan.

One of the most common problems that most small businesses face is insufficient capital. Depending on the type of business you have and the amount of overhead, you may not have had any choice but to take out some loans to get up and running or to keep the doors open until
you can become profitable.

But trying to make multiple payments to dozens of vendors all at different times can really put a crimp in your cash flow. A business debt consolidation loan may make it easier and a lot less stressful.

Just like with a personal loan consolidation, a business consolidation loan can also allow you to pay off all your debt while giving you more money to deal with the day to day issues of running your business.

Sometimes an ongoing line of credit can be a great idea for your business. Just like a home equity loan, a line of credit will allow you to use it when you need it and it will be available even if you don’t need it.

This can be a great way to deal with any unexpected business expenses you may come across. For example, when I had a restaurant I needed some extra money to make some repairs in the kitchen. Being able to just write a check to the repair man right on the spot, sure made what could have been a disaster just a mild inconvenience.

I also found it helpful to pay off all my individual vendors at once and than I only had to make one payment for my loan. In the long run the one loan payment was a lot less than all the individual payments I had been making so I had more money left over.

But it was also a lot easier to do it that way than to have to keep track of all the individual payments I had to make to over a dozen vendors, all with different due dates.

Your first step may be to go to your local bank and check to see if you will be approved for a line of credit loan. It’s important to keep your business well funded, it’s the only real way you can make sure your business will continue to grow.

Make sure you take into consideration the interest rate as well as all other facts about the loan. You have to go into this with all the information so you can make a good financial decision.

A business debt consolidation loan may make sense for you and your business. As long as you go into the whole process with all the facts, you may find that this is a good option for your business.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Build A Website To Get Free Traffic

You want to increase the traffic to your site. The method widely used with great results is using the search engines rankings that improve your chances of targeting the audience for your site. Here is the process you can use to drive traffic to your site.

Choose your topic. You can get ideas from newsletters, competitors, books, magazines, and newspapers.

Research keywords that relate to your topic. Think about the keywords internet users will be entering into the search engines and any different meanings for the words that may be used. Expand your vocabulary in this step. Use this free source to locate keywords

You can use variations of words and phrases at this site to see how the search engines have presented results from the prior month. Your results will also show the bidding price for the keywords and phrases.

Research the competition by using the search engines to locate their sites. Study the top ten listed to see how they created their website. Use their techniques to improve your site.

Start writing your article. You have the keywords to include in the content. Use the different variations that search engines love to see in all websites and articles. Add some affiliate links in the article to promote your product and generate traffic.

Build your webpages. You have the written content with the relevant keywords and phrases. You know you will have traffic based on your research. Remember to add some of the techniques and content you viewed on your competitor?s site. If it is working for them it will work for you too.

Use the keywords within the titles of the different webpages. Put key phrased for ALT tags in the site. Add your article as a page on the site. Add images of the product to entice the interest of the readers. Show them what you have to offer. Link to other sites. Use quality links from sites with a high search engine ranking to boost the traffic to your site.

After you have completed the first page, you can build ten more pages with ease. Use the same technique from the original page as a template. You have been able to use the right methods on the first page by thorough research so finish the high quality website with confidence.

When you have a high quality website filled with interesting facts, contents, images, and links, you have become a site Google will recognize. You will achieve high rankings over time based on your hard work and efforts.

Now you will see the traffic gradually come to your website. It takes time for the search engines to see your site so be patience with the new website.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Info Cash ->

My most memorable Mother’s Day… a tenacious memory that tugs at my heart andmay touch yours.

by Dr. Jeffrey Lant

Author’s program note. My mother is dead now. But I want you to know that hardly a day goes by when I don’t think of her… not in some idealized fashion either. For she was a vibrant, beautiful creature whose reality, for me, even if flawed, was more compelling than any fairy tale I might make up. And as for charm, why she was a by-word for that; I knew that before I even knew what charm could lead to. Some say that along with her penetrating eyes I inherited my full measure of that charm too. I leave that to you to find out.

This article is being written because it gives me the perfect opportunity to remember her… not just vaguely… but as she was and remains in my mind’s eye, a real woman, my much loved and often argued with mother. Here I am able to indulge myself in the most profound memories, certain that I am writing this article for you… not just for myself. And because the woman is important and the day I am recalling here one of the handful of truly special days of her life (so she often told me afterwards), I savor every word as I think it, write it, consider it, review it — and if not perfect and exactly so, change it. For there is not a word here or even a comma that I can accept in any other way. For you see, this was one of the handful of truly special days of my life… and I want you to share it and know why.

Thomas Gray, treasured poet.

Where did my mother’s love affair with England and her poets begin? I cannot say, but I can recall that wherever we lived its premises were littered with the lyric beauty of the English language… where words mattered, where understanding them mattered, where using them to maximum effect mattered, and where a word was never an obstacle but a friend not yet known well enough, but welcome for all that. As such, books, rarely closed, always open with makeshift book marks were found in every room. We read as effortlessly as we breathed… and the splendor of language surrounded us, shaped us, sustained us… and no one more than my mother for whom poets were accounted special beings well deserving of the veneration they received from her… and in due course from me. And so the profound love between a mother and her first-born son was made manifest in the poems we discovered and shared, the readings of such poems to each other, and the meanings we strove to find… especially for me when she was gone before. Then these bonds mattered most of all.

Thomas Gray, 26 December 1716 – 30 July 1771, just 54 years old.

Thomas Gray was born in Cornhill, London, the son of an exchange broker and a milliner. He was the fifth of 12 children… 11 of whom died in infancy. he smell of death permeated his young world… a constant visitor to his home, a constant reality where birth and mourning seemed inextricably linked and inevitable. And so he grew up wondering whether his own expected demise was nigh, accelerated by his abusive father. This recurring thought shaped his life, his outlook, and his poems. Later in life Gray became known as one of the “Graveyard poets” of the late 18th century, along with Oliver Goldsmith, William Cowper, and Christopher Smart. But for Gray this was not a pose; he had been to the graveyard too often too early for that. Death and Gray were on intimate terms from the start.

His sense of humor.

For all that Gray’s life was turbulent and difficult, it had moments of unalloyed joy, not least because he had the valued knack of seeing the humorous side of even the most oppressive subjects. It is good to see he skewered the masters of Peterhouse at Cambridge University as “mad with Pride” and the Fellows of this College as “sleepy, drunken, dull, illiterate Things.” It was the kind of thing I wrote to my college friends, too, and I knew the joy of such characterizations.

My mother knew I wrote these kinds of acid word pictures; I sent them to her, and she carefully tied them with ribbons adding her own often equally acid responses. These, too, bonded us; we laughed together. Too, there were other traits which may have made her see me in Gray: he spent his time indoors, voracious reader, avoiding athletics and exercise of any kind. But when the companionship of his friends was offered, he was a crowd pleaser with the apt, devastating mot at the ready. Gray and I might have been siblings; surely Kindred Spirits… she must have seen this… and if so have approved.

“Elegy Written in a Country Churchyard”.

Thus, my mother traveled to England where I was then working on my first book and asked me to accompany her to the setting of one of her favorite poems, the “Elegy” written slowly, painstakingly between 1742 and 1750. She had waited a lifetime for this excursion… and so she and I on Mother’s Day went hand-in-hand to the ancient village of Stoke Poges, to the churchyard of the Church of England parish church of St. Giles. There great Gray’s remains repose for the numberless ages, his monument weathered, tilted, too much too illegible, special torment for this man of perfect wording.

We had come hence to see, to learn, to venerate…. and in the graveyard to read the “Elegy”, together, in turn, lyrically, each word a pledge to love each other now and forever, though I didn’t know its purpose then.

She had her tattered, well thumbed Gray in hand, so did I.

So we commenced the reading, the first stanza hers by right to intone:

“The curfew tolls the knell of parting day/ The lowing herd wind slowly o’er the lea/ The ploughman homeward plods his weary way/ And leaves the world to darkness and to me.”

We are borne on these words to the place we most want to be with the person in this sublime moment we both wish most to be with.

Thus we walked and read together from the celebrated words which British General James Wolfe read to his officers September 12, 1759 the day before he was killed in battle, saying “Gentlemen, I would rather have written that poem than take Quebec tomorrow.” It was an admission made by thousands of those who have thrilled to these sonorous words and their eternal relevance to struggling mankind.

‘Far from the madding crowd’s ignoble strife”

Now my mother has gone the way of all flesh, the way we all must trod in time. We know such an end is natural but that does not assuage the bitter grief and finality of the matter, particularly when the dear departed is one’s mother. This loss is bitter indeed at whatever age it occurs.

Thomas Gray knew all this and in his beloved “Elegy”, popular from the moment of publication, popular still, he gave us all the words we need to cope, find hope and resignation — and the words of remembrance and above all of love.

Thus whenever I miss her and want her near me in all her humanity and that dazzling smile I can never forget, I take down from the clutter of my library her copy of Gray’s “Elegy” and read it aloud, as we did that memorable Mother’s Day so very long ago. Whenever possible I go to any search engine and play Domenico Scarlatti’s Sonata in D minor (published 1738). It was one of Gray’s favorites and perfect accompaniment to his surgically precise words.

“The boast of heraldry, the pomp of power/ And all that beauty, all that wealth e’er gave/ Awaits alike the inevitable hour/ The paths of glory lead but to the grave.”

But not, with God’s help and with Thomas Gray’s, to the dark void of forgetfulness and oblivion. They have given us the joys of memory and the words we need to summon it –and our loved ones — at will and thus they live again in us.

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author’s permission by Daniel Fischer Check out Massive Traffic Ultimatum ->

Blog Making Money – Can You Do It

A blog making money is a blog that is generally successful. While this isn?t the focal point of many blogs, for some, it?s a nice addition to their income and for the more successful, their only source of income and one that allows them a well enough lifestyle. For the most part, making money off blogs is a mystery to many people ? it doesn?t have to stay that way. Read on and you may discover another way for you to make money.

Before anything else, you need to be able to write fairly consistently and at a steady pace. Three or four entries a week doesn?t seem like much at the start, but after a while it can wear even the most devoted writers down. It?s just like any job ? sometimes you get bored with it and you step out for a day or two, but the Internet is a far more demanding ruler than many bosses. Plus nothing feels better than knowing you have a blog making money. When you have a solid and devoted following, you can afford to miss one or two days or even weeks. Some sites even go a month without updating, but at the very start, you need to be able to stick to it like white on rice.

For those who open blogs based on products, you?re in luck ? you can probably get on the affiliate bandwagon and make some money that way. Now, how does that work? It?s fairly simple. Being an affiliate to a website basically means that you?re advertising them on your website, either by having content related to the main website and linking to them or by showing their ads on your site. Payment isn?t like it is in other media industries though. The Internet?s just a different field than television, one that requires a different payment method.

Generally, the setup is a pay-per-blank, wherein the blank is something that changes from group to group when it comes to blog making money. Most people go for the pay per click variant, which means exactly what it suggest ? payment only occurs once a viewer on your site clicks the link to their site. Another popular variant, one mostly for merchandise sites such as Amazon, is the pay-per-purchase variant. A user needs to do more than simply browse through the numerous items available ? they actually have to purchase something.

Payment for advertising for blog making money varies from group to group. Luckily the internet and thus, the people you can meet in it is so wide that you?ll probably find someone or a group that wants to advertise or have you as an affiliate. Build a good site and the money will come.

Probably. The internet and blogging aren?t some magic words that you can use to instantly get ahead in the rat race. It just doesn?t work that way. You still have to work hard and make a site that advertisers would actually be interested in, that can give real traffic to those who would make you an affiliate site. Work hard, put in the leg work and yours might be a blog making money.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Info Cash ->

Blog Ethics

Blog Ethics

Creating a blog is a great way for anyone to share their life experiences and even advertise their business. To date there are no actual code of ethics developed for bloggers to follow but there are three common sense ethic codes that anyone should follow while they are running their blog posts. These are the code of ethics that will prove you as a trustworthy blog owner.

1. Fair and Honest:

You need to be fair and honest to your followers. You need to make sure all the information you provide is honest without adding any false information. When you are providing facts you need to make them distinct, true, and easy to follow. Do not attempt to distort your facts, visitors can read this right away and as a result, you will lose visitors. If you happen to provide any information, in your site that may appear to be false; you need to provide your reader with factual information to back up your statement. If you are adding pictures to your blog add captions underneath to explain to the reader about the picture. Fair and Honest are two of the most important components of the bloggers code of ethics.

2. Harm of others:

When you are creating a blog topic on a very controversial issue avoid using any ones names or places. This will protect you from any lawsuits and also from hurting visitors? feelings. A good motto for this code of ethic would be, say to others what you would want them to say about you. You also need to be sure that you protect a person?s privacy. Invading a person?s privacy is rude as well as intrusive. If you do not want someone doing it to you then do not do it to others. A great way to avoid violating this blog code of ethic is to avoid using names or places if it all possible. If it is unavoidable try to use as much damage control as possible.

3. Be Accountable:

You need to accept the consequences that may come with your blog. If you have made a mistake in any of your postings admit it right away, do not try to avoid it. Everyone makes mistakes and if you own up to yours you will be more respected in the readers eyes.

If someone happens to question your information on your blog open up a discussion with the person. Try to see why they feel the way they do and if they prove to be right, apologize to the person and admit that yes you are right I did make a mistake. If you are not accountable for your blog you will be in violation of the blog code of ethics and as a result, you will lose followers.

All of these blog codes of ethics are common sense but also the most neglected parts of Blogging. Following a basic code of ethics will enable you to be trustworthy blogger to your visitors.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out List Building Automation ->

Best Financial Advice Find What Works For You

Now is a great time to get your financial house in order. The market, according to some, is starting to rebound. Even if it isn’t, the events of the last 18 months should have taught all of us a lesson: save more, and use credit less. Many of us could benefit from sound financial advice. The first thing you will need to do is find the best financial advice you can.

While getting help trying to unravel complicated financial choices you have to remember that ultimately the decisions you make have to be your own. Only you can make the best choices for your overall, long term financial health. Any advice you receive should be taken as just that: advice. Not gospel or fact, just someone’s opinion for you to consider.

Before settling on an advisor here are some things you can keep in mind. These tips will help you pick a good advisor and, hopefully, avoid falling into the trap of trusting someone who isn’t qualified to give you financial advice.

1. What credentials does the advisor have? Many times an advisor will be what is called a ‘tied agent’. That means that they can only sell the products and services of one company. That doesn’t mean they can’t help you but if they are tied to only one company they will be limited in the products they suggest to you and they will obviously not offer you unbiased information.

They are duty bound to show you which of their products are best for you, they don’t necessarily have to tell you that none of the products their company provides is a good fit for you and your goals and that XYZ company actually has something that may work better for you.

2. How does the financial planner make their money? It’s almost always in the form of a commission or fees. That means if they don’t sell you something, they don’t make any money. Make sure you know what the total fees and commissions will come to. Sometimes they will receive multiple fees for various transactions, that can really add up…for you.

3. Fiduciary. This funny sounding word is very important to your financial health. A planner who accepts fiduciary responsibility means they are obligated under the law to act in your best interests. Anyone who doesn’t accept this responsibility is just saying that they will try to act in a way that doesn’t hurt you.

4. Will the financial planner help you with every aspect of your financial plan? That would entail everything from having adequate insurance coverage, to investment choices and estate planning. There are many elements to your financial health and a good advisor should be able to help with all of them and provide you with a comprehensive plan.

When looking for the best financial advice it’s important to keep the above list in mind. The whole process can seem overwhelming and while it’s important to enlist the help of a professional it’s even more important to never forget it’s your money and your future. You need to be an attentive co-pilot on this little journey!

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Best Financial Advice

There’s no such thing as the best financial advice for everyone. There’s only the best financial advice to suit your personal situation.

Your financial circumstances, your income and your goals are not the same as anyone else’s. When it comes to finding the right advice to help you meet your intended goals, it’s important to tailor your plans to suit your unique situation.

The best financial advice should consider every aspect of not just your investment goals or retirement savings plans or your insurance needs, but it should take into account tax effectiveness too. Once these things are taken into account, a tailored plan can be created to suit your personal needs.

People begin searching for the best financial advice when they realize that they need some direction and assistance in sorting out a particular financial situation. This could mean working to build a blueprint for debt management and mortgage reduction.

Your plans might include finding a more effective way to reduce the amount of tax you pay legally or it might be targeted towards increasing your retirement savings. It may also mean finding a way to begin an investment portfolio.

When you ask anyone who’s doing well financially what the best financial advice they ever received was, most of them will say it was a simple tip given by someone they admired. Those nuggets of financial wisdom can often build a basis for success.

That piece of best financial advice for you might be something as simple as ‘Pay yourself first’ or ‘live below your means’ or ‘save something for a rainy day’. No matter what inspires you to take the first steps to your own financial future, what matters most is that it motivates you to take action to get your own financial goals under control.

Of course, once you’ve found your inspiration to improve your financial situation, it’s sometimes necessary to seek out the help of a professional to get your plan right. This could be a financial advisor who is qualified to give expert advice on the most effective ways to create a blueprint that could help you reach your goals.

When you’re searching for the best financial advice company to trust your financial future with, remember to take some time to research your options. Always check that the advisor you’ll be working with is qualified to give advice on every aspect of your financial plans.

If possible, you should also check that the advisor is able to offer a broad range of financial and investment products and options to suit your goals best. Some advisers are affiliated with a particular bank or insurance company or stock brokerage or accountancy firm and so are more likely to only recommend those products and services available through their own company. While this is acceptable in most cases, it’s still wise to check that you’re able to access the broadest range of information available to you.

So if you’re seeking the best financial advice, remember to find the advice that most suits your personal goals.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Benefits Of Search Engine Optimization For You

There are two ways to measure the success of business websites. You can check the page ranking within the internet search engines as well as the search engine result page. If you are a business website owner, you should use search engine optimization while benefiting from the many tools and resources the internet has to offer your business.

The downside to being a business website owner is that you have to ensure that internet traffic can actually find your business website. How will internet users know your website even exist if they can’t find it? If you don’t take the necessary steps to ensure your business website is ranked accordingly within the major search engines; they can’t?

Search engine optimization can aid your business. SEO can place your business website possibly within the top ten results on the search engine results. Help from SEO will not only aid with increasing sales for your business website but also increase the flow of internet traffic to your business website. SEO can also aid with your products visibility while improving business relations with your current customers.

The first mistake you could make. becoming a business website owner, is to disregard how important the internet search engines can be to your business website. Internet search engines drive the majority of internet traffic. Internet users click on links found within the search engine result pages. If you can get a decent ranking with your business site within the major search engines, you will stand a great chance of success, for your business website.

You must ensure that your business website is appealing to internet visitors. There is no need to draw any visitors into your business website, if you do not have relevant content or a website which internet users find appealing. It does not take a long period for internet users to decide if they like or dislike your website (less than 3 seconds on average). Your focus must be to grab their attention when they stumble upon or find your business website through the search engine.

If you are not an SEO expert then you might want to consider hiring one. SEO experts can improve the traffic to your commercial website, while aiding your business to be competitive with other online businesses. SEO?s offer many services which your business could greatly benefit from. Website reporting, search engine submissions, link popularity building, as well as monthly maintenance are a few of the things, which SEO?s can offer your business website.

SEO?s allow companies no matter the size to advertise their products and services with the power of the internet. If you are uncomfortable, hiring an individual SEO expert, then a search engine optimization company might be right up your alley.

SEO companies or individual SEO experts can be a great help, with maintaining your website, as well as your page rankings. If you choose the right company for your business site, you will eventually see the results in not only the growth of the internet traffic to your website; but also profits.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Social Metrics Pro ->

Benefits Of Article Advertising Or Article Marketing

Article advertising or article marketing can be the key to not only making money but having a successful business. If you have a product or service that you are trying to promote then one of the best and most cost effective ways is by using article advertising.

Article advertising is a type of marketing effort in which you write short articles, about 400-600 words, related to the product or service you wish to promote. If they are well written they will, after getting distributed to various online article directories that will be easily found on search engines and read by people interested in what you have to offer.

In article advertising, well written article will be constructed in such a way that it has strategic placements of keywords and keyword phrases used by those who are searching for what you have to offer. This will make your article easily found by search engines and can help get you noticed earlier by future consumers.

Some of the benefits of article advertising are:
1) It is a great way to gain respect in the niche you are trying to reach. If they see your well written and informative article they will see you as an authority. The more that you have written about a certain area, the more trusted you will be and the more likely they will be to buy what you offer.
2) It is very cost effective. If you write the article yourself it will only cost you the amount of time and energy you put into researching and writing the subject. If you can’t write well, you can easily find those who are able to write for you who are affordable and will let you put your name on it, aka, ghostwriters. These are many times very affordable, though you need to make sure that they are able to give you unique content and are native speakers in the language you are trying to market in.
3) Links are also a great benefit to article advertising. Your well written article will have a link back to your website and will also have a resource box with a strong call to action. This will invite those reading the article to go to your site to find out more about what you have to offer. This will also help your search engine ranking.
4) It helps you reach a much larger target audience than you otherwise would have. Those who are really interested in what you are offering will be the ones who read your article. You won’t be putting your marketing efforts in front of people who may or may not care about what you have to offer. It will be read by people who are truly interested in what you are doing and are also very likely to buy what you are selling.

Article marketing or article advertising is a great way to get attention to your products or services, if it is used correctly. Take some time to learn how to do it the right way or find a good ghost writer to do the work for you and you will find customers who are not only willing to buy from you, but trust that you are going to meet their needs and may come back to you for other purchases. Done correctly, article advertising can help you climb to the top and make you a success.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Truth About Abs ->