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Aug 20 2023 Published by under Uncategorized

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Beating the Recession Bug With a Home-Based Business

Jun 16 2023 Published by under Uncategorized

Building a Home-Based Business Is a Plausible Investment

Starting a home-based business is one of the most exciting and fulfilling adventures you will ever undertake. It is also one of the most terrifying things some people have ever attempted. It is truly a leap into the unknown. A certain mindset is needed to pull it off. It takes hard work, determination, a sound business plan and the desire to succeed to differentiates you from the competition.

A home-based business is also considerably cheaper than starting a business in new facilities; avoiding leasing costs is a big savings. In addition to saving money on overhead, commuting and wardrobe, many home business owners deduct a portion of their mortgage interest from their income taxes. One intrinsic benefit that can’t be measured in dollars is the available time to be around family more.

Starting a home-based business provides a comprehensive financial opportunity. The tax benefits alone make a home-based business a great financial move. Starting a home-based business is an ideal way to get your financial house in order on your own terms.

Starting a Home-Based Business Won’t Be Easy Either

The only place you will find success before work is in the dictionary. As long as you keep your attitude set along those lines, you will be fine. Some things that are imperative to any successful business launch:

Do what you love and the money will follow. There is not much need to open a home-based business that is a dread to go to every morning. You will fail at it miserably regardless of the earnings potential.

Have a plan. If you don’t know where you are going, how will you know when you get there? It’s okay to have dreams and aspirations, just keep them realistic and based in reality. There are a lot of letters between A and Z; ensure you have bite- size goals beside each one on your trip down the planning list.

Research is your best friend when it comes to starting your own business. Like any business, it takes hard work but the rewards are well worth it. Do an honest and candid evaluation of your own strengths and weaknesses as well. Research what others have done that was successful in building a home business. If you are not yet an expert in your field; become one. Researching your options thoroughly and making wise decisions will make your home-based business very successful and provide a steady stream of income; all from the comfort of your home.

Surround yourself with successful people. If you want to be successful at your home business then hang around successful home business people. Remember: positive energy attracts positive energy and negative energy attracts negative energy. You are also known by the company you keep. This extends to the places your frequent online as well.

Offer a solution. People are searching for a solution to solve a problem. Let them know your business is not a get-rich scheme. It is very important to build your business to help others. Even if a person never buys anything from you, he knows what you do and tell others. Word-of-mouth advertising is still the most precious asset a home-based business owner possesses.

Have a marketing plan and strategy. Marketing is how you target customers. Market research finds an angle for your product or service that gives you an edge over competitors. Marketing includes foresight and planning. It provides for a profitable future by emphasizing and understanding the customers’ needs.

Know who your target customers are and focus on their needs. Marketing your home-based business is important. The responsibility is yours to understand the customer and deliver a service that fills a need. Critical market evaluation provides the basic data that determines where to successfully sell your product or service. This evaluation defines your goals, scrutinizes your competition and customers alike, marketing program costs and indicates potential suppliers.

Train your team to your company standards. This is instrumental to the enduring success of any operation. Be professional and train your team to that standard. Many of the best home-based business opportunities come with a consummate training program at their core.

A good business idea must respond to or create a market need and must be able to last for a long time; even in a highly competitive market. You must have an edge over all others.

This article will get you well on your way to starting a home business. There is an almost endless supply of opportunities out there, but only a few that deliver consistently time after time. Do your research and find the best home-based business opportunity that not only provides a good return on investment but also rewards with personal enrichment as well.

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Equip Your Home Based Business For Success With Internet Fax

Jun 16 2023 Published by under Uncategorized

From selling products to offering virtual administrative services, more and more Americans are working out of their homes. Home-based businesses offer many opportunities that brick and mortar companies do not. Individuals with home-based businesses often require a much lower start-up cost than other types of businesses, and with the advent and proliferation of the Internet, running a home-based business has become easier, less costly, and a feasible solution for more individuals. Among the Internet based tools that are helping these business owners succeed is the Internet fax.

Internet fax is a tool that allows the business owner to send a fax with nothing but a laptop and an Internet connection. Because of this, home-based businesses can compete in a larger environment by sending and receiving documents without the additional costs, hardware, and problems that having a traditional fax machine causes. To compete in a larger environment, business owners must be able to act quickly, and sending documents through the mail is anything but timely. Also, the cost of sending materials overnight can add up, especially for business owners who are just beginning to enter the competitive business world. With Internet fax, business owners can send documents immediately with a relatively low cost, especially since a variety of plans exist to meet the needs and budgets of small to medium-sized businesses. Even though a home-based business may be small, using this tool allows it to compete with large, established companies, creating a more equal environment for the best company to succeed.

One of the crucial ways that having Internet fax aids businesses is through allowing even the smallest businesses to meet tight deadlines. In a world of instant communication, clients and customers want their documents faster than ever. Although public fax machines are available, they can be costly and inconvenient. However, faxing over the Internet allows home-based businesses to meet deadlines by transmitting documents immediately from anywhere with an Internet connection. With the reduction in cost of PDF editing software and scanners, which allow businesses to send documents that require signatures, Internet fax is a viable solution.

Internet fax is not only a telecommunications tool for small businesses, but it also gives home-based businesses the ability to improve their professionalism. Many home-based business owners have quality ideas, education, and expertise, but one of the largest challenges is finding clients and customers. Because the typical consumer is a cautious consumer, less established companies tend to get less business. However, when businesses have the resources to effectively perform; even the home-based business can grow into a Fortune 500 company. With Internet fax, businesses can build their reputations and credibility by acting like a corporation, meeting deadlines, and communicating efficiently.

Faxing over the Internet can help ensure that information like social security numbers, payment information, and other personal details are protected. Internet fax allows home-based businesses that might not be able to purchase extensive security protection to operate in a secure environment. When customers fax information into an Internet fax number, the information is stored in the business’s cache, so only authorized business owners and employees can see it. This way, business owners do not risk the loss or theft of sensitive information, allowing them to improve their image as a credible, reputable company.

The technological innovations of the last ten years have revolutionized the way companies do business and have provided home-based businesses with opportunities like never before. However, because of technological innovation, customers and clients tend to expect more from businesses in terms of communication and deadlines. Internet Fax is one tool that can help smaller home-based businesses compete with larger businesses even in the midst of these higher expectations. Because this technology allows businesses to send faxes wherever an Internet connection can be found, it is a tool that is extremely suitable for home-based and mobile businesses.

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Understanding Receivable Financing Pricing And Rates Is Not Impossible! Invoice Discounting 101

Jun 14 2023 Published by under Uncategorized

‘ Misunderstanding all you see ‘; those are lyrics from the Beatles ‘ Strawberry Fields ‘, and talk about being a bit appropriate for the confusion around receivable financing and invoice discounting rates in Canada.

So, talk about confusing… let’s try and clear up some real basics around receivable finance in Canada -mostly along the lines of how it works and how it is priced. Clients are always providing their version of what they think they are getting but the reality is often far from that.

A/R finance is used by thousands of firms in Canada to address cash flow shortages when in fact more traditional financing simply doesn’t make sense or can’t be attained.

A good way to clear up some of the confusion around this method of business finance in Canada is to address it head on, which is simply to say that this finance mechanism isn’t financing per se, it’s simply the sale of one of your assets at a discounted rate. So from that perspective even we own up to being guilty sometimes around the terminology!

Another way of looking at our issue to frankly address what might be perceived or real drawbacks or negatives around A/R financing. The discount rate used on receivables when you sell them, in Canada, ranges anywhere from 1-5%. To be fair, the average discount rate tends to be in the 2% range.

Invoice discounting rates make the most sense when they are used to take advantages of opportunities for growth and higher profits and sales via asset turnover.

Part of the reason A/R finance is viewed as confusing by many is that it’s essentially part of an unregulated industry. Clearly our banks are regulated and you know what you get (when you can get it!)

So what does that all mean to Canadian business owners and financial managers. Simply 4 words. Pick a solid partner! Or adviser.

Where invoice discount financing gets confusing is in the terms/contracts, and the rates.

So how do you address that pricing in terms of benefits? Several factors have to be taken into consideration. They are the quality and age of your receivable portfolio, the ‘ opportunity cost’ of what you can do with additional cash flow, and the actual cost of carrying your receivables and inventory as opposed to monetizing them more quickly via a receivable financing strategy.

As we have said in the past carrying receivables anywhere from 60-90 days can easily cost you anywhere from 10-20% when you factor in days to pay your firm, admin costs, lost opportunities, your current financing costs, etc.

So why do Canadian business owners and their finance staff stumble on the issue of receivable finance. It’s partly, as we have shown due to their inability to overlook the total pictures in the areas we have demonstrated above.

Invoice discounting rates makes the most sense when you look at opportunity cost. If you finance your receivables as you generate them you lower the balance sheet investment and reduce your day’s sales outstanding.

A quick example – if your annual sales are 1.2 million and your daily sales are $3300 per day for example you could add $10,000 to cash flow by a 3 day reduction in DSO. A 30 day reduction adds 100k to cash flow!

Charges or costs for a 100k per month facility equate to a 2k per month cost if you are turning your A/R promptly.

So, confusing. We hope not, although we’re the first to admit it takes a bit of time. Speak to a trusted credible and experienced Canadian business financing adviser for clarity on achieving best invoice discounting rates and benefits for your firm.

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Looking To Buy A Gas Station? SBA Or Conventional Financing?

Jun 14 2023 Published by under Uncategorized

You’ve found some gas stations for sale and now you need financing. Many misconceptions exist about which is better for financing, SBA or conventional financing. Many people are under the misconception that SBA is somehow sub-standard financing or is expensive financing. Many people also assume that conventional loans are cheaper than a government backed business loan.

The good thing is that your calculator never lies. You can always figure out which one is the best by using cost of funds and return on investment calculations.

Conventional financing for gas stations and convenience stores frequently offers the advantage of an interest rate that is typically a little lower than SBA rates and normally the speed of approval and closing is usually a little quicker than that of SBA financing. There is also normally a little less paperwork involved in the process. With conventional financing, most of the time a borrower will approach a local or regional bank and the borrower will many times establish a depository relationship with the bank.

The disadvantages of conventional financing are that you normally can not finance working capital, inventory and frequently you can not finance the good will. The amortization periods are usually shorter also. These notes are normally due in five to ten years. This means at the end of the note you will need to refinance.

Again, your calculator will not lie to you.

SBA financing usually will do a higher loan to value (LTV) than conventional financing and frequently with SBA you can finance good will or business value where many conventional lenders will only finance the actual real estate and machinery/equipment value.

The disadvantages of SBA financing are the guarantee fee that you will be required to pay (which normally is 3.5% of the guaranteed portion of the loan, which is typically 75%) and it also can take longer for approval, but this typically is with banks and lenders that do not have a Preferred Lender status (PLP) but have to submit their transactions through local district offices. The interest rate you will pay will typically be higher than conventional financing.

Other options are available. Stated Income financing is frequently available for this asset class, but the Loan To Values (LTV) are typically lower. You normally can not do larger loans (greater than $1,000,000)also. Most stated incomes program advertise that they will do 65% financing, but in reality it is closer to 55% because they do not lend against good will and frequently will only lend a portion against machinery and equipment. It is typically faster with minimal paperwork compared to something fully underwritten, but you also will pay at least a few points higher in rates and fees to obtain this type of financing.

Private financing is also available for gas stations and convenience stores. Advantages are speed and minimal paperwork. Disadvantages are significantly higher rates, fees and lower LTV’s (typically 50-60% max).

What is best for you all depends on your hot button. If all you are looking at is rate, conventional may be the best deal, assuming you have a bank or lender that will do it conventionally. If you are looking at minimal out of pocket, SBA is probably your best bet. Cost of funds can go down if the Loan To Value is higher. The return on your investment also goes up if you are spending less money out of pocket. If payment is your hot button, you’ll have to evaluate both options to see which is best for you. Conventional financing usually will have a shorter amortization period than SBA and frequently will have a higher payment. If the pre-payment penalty is the most important, SBA may or may not be the best option for you. SBA has a three year pre-payment penalty, 1st year 5%, 2nd year 3% and 3rd year 1%. Conventional pre-payment penalties will vary from bank to bank and lender to lender. Also look to see if the conventional loan is assumable as it may be easier to sell a site if the loan is assumable. Most SBA loans are assumable if there is a qualified borrower. If speed is your hot button, stated income or private financing is the way to go, but you probably will have a significantly lower LTV and will pay higher fees.

If you haven’t figured it out by now, you can’t have it all, i.e. rate, fees, term, speed, pre-payment penalty. You can though most likely obtain a good loan if you are a qualified buyer. In all cases, presentation goes a long way to obtaining the best possible loan.

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These Are the 6 Best Indicators You Should Know

Jun 14 2023 Published by under Uncategorized

Every Forex trader knows that you must supplement the information in your charts with a number of technical indicators. Among the indicators commonly used are strength indicators, volatility indicators, trend indicators and cycle indicators. These indicators not only help us determine in which the market is moving, but also when a trend is about to end and we should either exit the trade or, with a good signal, reverse the trade.

The following 6 indicators are the most commonly used among Forex traders:

Stochastic oscillator – The stochastic oscillator helps a trader determine the strength or weakness of a currency by comparing the closing price to a price range over a period of time. When the trader identifies a high stochastic that said currency may be overbought and you should go short or bearish. Conversely, a low stochastic indicates that a currency may be oversold and you should go bullish or long.
Bollinger Bands – Bollinger bands contain the majority of a currency’s price between the bands it displays. Each band has three lines – the lower and upper lines show the price movement and the middle line shows the average price of the currency. When the market is experiencing high volatility, the gap between the lower and upper bands will increase. In you candlestick or bar chart, the currency is considered overbought if a bar/candlestick touches the upper band and oversold if bar/candlestick touches the lower band.
Average Directional Movement (ADX) – ADX is used to determine whether a currency is entering into a new uptrend or a downstrend. The ADX is also used to determine how strong the trend is.
Relative Strength Indicator (RSI) – RSI uses a 0 to 100 scale to indicate the highest and lowest prices over a period of time. When prices of a currency rise over 70 the currency is presumed to be overbought. On the other hand, a price below 30 would most likely indicate that a currency is oversold.
Simple Moving Average (SMA) – The SMA is the average currency price for a given period of time compared to other prices during the same time periods. To illustrate how SMA works, the closing prices over a 7 day period will have a SMA equal to the addition of the previous 7 closing currency prices divided by 7.
Moving Average Convergence/Divergence (MACD) – MACD is another oscillator that shows momentum of a currency as it relates to the two moving averages. As we discussed in previous articles, when the MACD lines cross, that crossing may indicate the start of an uptrend or a downtrend.

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QQTOTO88 Slot Togel: Situs Judi Online Terbesar Di Indonesia 2023

Jun 06 2023 Published by under Uncategorized

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02 Marketing Local Business Online – What is Internet Marketing?

Jun 04 2023 Published by under Uncategorized

What is Internet Marketing? Why does Internet Marketing matter to you and your Local Business?

Previously, we discussed Marketing itself: “Marketing is a system the sole purpose of which is to communicate with the marketplace.“

Marketing, then, is the social process by which individuals and groups obtain what they need and want through creating and exchanging products and value with others. The Marketing concept becomes a philosophy. It makes the customer, and the satisfaction of his or her needs, the focal point of all Business activities. It is founded on the belief that profitable sales and satisfactory returns on investment can only be achieved by identifying, anticipating and satisfying customer needs and desires.

Let’s look not only at identifying customer needs, but also to satisfying them and anticipating them in the future. The right product, in the right place, at the right time, at the right price…

In that same spirit, Internet Marketing is a relationship between Business and customers and prospects that takes place in Internet Media, such as Search Engines and Web Pages.

Furthermore, Online Marketing is a relationship between Business and customers and prospects that takes place in Online Media, including Email, Mobile Phones and Internet.

As you recall, a Marketing Relationship is a specific conversation between Business and a market.

Therefore, Internet and Online Marketing are relationships between Business and customers and prospects that take place in the New Media of today, and New Media of the future.

Internet and Online Marketing are relationships between Business and customers and prospects — the only difference between these relationships and other Marketing processes is the Medium!

What, then, is the Opportunity and the Potential offered by this unique Marketing Medium? Let’s compare and contrast:

  • If a Medium has a continuously shrinking Market, the potential for doing Business in that Medium approaches zero.
  • If a Medium has a continuously growing Market, the potential for doing Business in that Medium approaches infinity.

This, then, is the crux of everything we have to discuss in this and subsequent conversations.

  • If you want to grow your Local Business, you must participate in the largest and fastest growing Markets for what you offer.
  • If Business is not communicating with a continuously growing Market there can be no relationship with that Market and little or no Business comes from that Market.

What Relationships do you want with your Market?

Over 1 Billion Local Searches are performed every month on the Internet… if your Customers do not find you, from whom will they buy???

The Internet is one of the largest and fastest growing markets in the known Universe. Ecommerce and multinational companies have created extraordinary fortunes based solely on Internet Marketing. Local Internet Marketing for small Business is quite a different animal, as we will discuss in subsequent conversations.

To learn more about Internet, Money and your Local Business browse our Web Site and see if our ideas work for you and your Local Business.

What is Internet Marketing? It very well could be salvation for you local business. Marketing local business online is your studied response to changes in shopping and buying habits. Truth be told, few people are looking for what you offer in newspaper ads or Yellow Page spreads. Be found!

Look for our further conversations and Brilliant Ideas About Internet and Money…

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How to Successfully Do a Business Online Marketing Campaign Through Facebook

Jun 04 2023 Published by under Uncategorized

Many business marketers use different kinds of strategies in promoting their online business. Some of them advertise in high-ranking websites so they can get more traffic. This made the Facebook became a hub not only of people who wants to meet friends but also of advertisers and website owners. Business marketing online is one of the industries that populate the advertisement boards in Facebook. Currently, the website is maintaining its top rank considering it as the number one social networking site worldwide. And because Facebook has the highest numbers of active users, it is the best place to get more traffic by placing your own ads.

In order to become successful on Facebook ad campaigns for your business online marketing website, here are some important tips to consider. Before you start doing Facebook ads, you must ensure that you business has already its own Facebook page. The website’s help center can help you how to make a business page following the Facebook rules. There are also metrics involved so you can keep track of how well your page content works.

Make your own user name for your page. Facebook link can be customized so people can easily remember and search your business page destination. But first, you must get at least 25 people to connect with you. A Facebook page can also be a cost-effective alternative in designing a whole website that has a custom domain name. It can also improve you social media presence.

When creating an ad for your business online marketing campaign, make it a two-way conversation style. Facebook experts and successful advertisers understand that advertising is like talking to your customers. It’s almost similar to a Facebook profile where people can easily express who they are to their friends. Engage your customers to your page. Contents should be powerful enough so they can spread like a viral news. Facebook people actually encourage business owners and users to significantly keep a presence within the site’s ecosystem.

Facebook ads can guarantee in helping your business online marketing campaign become a success. You must equip yourself with enough skills so you can do establish your business effectively through Facebook.

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How Can I Start A Business Online?

Jun 04 2023 Published by under Uncategorized

An increasing number of people are seriously looking towards the internet for inspiration and asking the question: “How can I start a business online?”

There are few people who are not feeling the squeeze of today’s challenging economic climate. Nowadays a large proportion of households have internet access. More and more people are looking to this resource in an attempt to find a way to make either a full-time or supplementary income.

Many begin searching through the minefields of information on working from home and quickly become disheartened. There are many attractive sounding propositions which promise the earth on a plate and actually deliver nothing but an empty wallet.

Unfortunately those who are desperately seeking a ‘quick fix solution’ will probably fall foul to these ‘scams’ as they are designed to appeal to your emotional need to make money quickly.

So, the question remains, “How can I start a business online?”

Firstly you must be prepared to put in some hard work and to learn some new skills. If you are expecting to see miraculous results quickly, then this is probably not the business for you.

However, if you are willing to learn then the opportunities are very real. With time and determination the results can be life changing.

98% of those who start on the road to creating an online business fall by the wayside for those very reasons. The impatience to see quick results causes them to give up before the magic happens, and happen it does if you stick at it!

The beautiful thing about starting an online business is that it costs very little to get started. There are really only 3 things that you need to get going and they are as follows:

1. A domain name
2. A hosting account
3. An Autoresponder

It is possible to obtain both a domain name and hosting for under $10 a month and the most popular Autoresponder provides a months trial period for minimal cost and less than $20 a month thereafter.

So for $30 you have all the elements you need to start your own business. This is what makes starting your own online business a very realistic possibility. You do not need any previous experience and the costs to get started are minimal.

So many people spend hours already using social networking sites such as Facebook, chatting in forums and tweeting on Twitter. If this is something that you enjoy, once you have learnt a few new skills you can actually use these very places to make money. What better way to earn your living than through spending your time networking and meeting new, like-minded people. So, you can start a business online and you can get started today!

Find a good teacher in who’s footsteps you can follow, who can guide you through the minefields and set you in the right direction. Learn from their experience and open yourself to a new learning experience and then put your new found skills to practice.

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