Everybody would love to make lots of money quickly, working from home, and only doing a few hours of work per week. I've spent the past two years trying to find a great way of doing this. Only over the course of the past few months have I found any "get rich quick" programs worth buying. I've been trying to make money online for a long time. I had a few small websites, but they never made much more than a few hundred per month. It was easy money and didn't require much work on my part, but I knew there were people out there doing better than I was and I knew I could do as well as them.

Now, I've seen a lot of "get rich quick" programs. Most of these people make claims about earning $2000/day with Google or something similarly insane. Almost all of these people are complete liars. Even if they were making $2000/day with Google AdSense, it'd be because they had high - traffic websites with a lot of quality content. I'd know, because in one whole month, I never even made half of what they promised I'd make daily with their programs. Maybe you've already been scammed by one of these fraudsters. Anyway, I finally got sick of what was being offered.

I decided I'd look through the all of the "get rich quick" programs I could find and see if there were any that were actually legitimate. I found that there were owners selling their programs for well over $100, but the information in them could be found almost anywhere online for free. Additionally, they all contained out-of-date information, had no e-mail support, no money back guarantees, and broken links in the downloads section.

In conclusion, almost all of the programs I found were completely useless. The owners knew it, but they couldn't care less about their customers since they didn't offer refund policies! Amazingly, while looking through all of the programs, I actually did find a few legitimate programs. They were run by ordinary people like you and me, and they had found some great methods of making money from their home by doing very little work.

I spent some time working with those programs, and my income is now ten times what it used to be. These programs provided a large amount of great information on how to make extra money on your computer doing very little work. Numerous customers had provided great feedback and reviews for their products. Many of them have started to make money just days after buying!

The American dream is to strike it rich as a self made millionaire.  While in theory this is a fantastic idea, the truth is that there are few industries left where people can start from scratch and make themselves a millionaire through nothing but their own perseverance and skills.  Furthering this dilemma is the fact that a lot of those jobs require a very high level of education and more importantly the years spent obtaining that education.  I’ll let you in on a secret, I have a bachelor’s degree, and although I do not down play the importance of education for the vast majority of people (especially my children, who already think they know everything), I did not need that degree.  I could just as easily started doing what I do now with nothing more than a GED.  The wholesale T-Shirt industry is truly a way where a hardworking, motivated, and personable individual can make hundreds of thousands of dollars every year.

How?  I started out selling T-Shirts as a part time job to supplement what can only be considered a dismal income.  I was actually turned on to the idea from a good friend of mine who makes as much as I do now.  All it took to start from scratch was a small amount of money; remember at this point I was living from paycheck to paycheck.  I used this money to buy some business cards and register the name of my company.  I then sat down and started calling local businesses in the phonebook.  A few of these companies went on to be my first customers and many of them continue to do business with me to this day.

With a base of customers, I needed suppliers.  I needed suppliers, textile manufactures.  This wasn’t hard.  They’re in business to sell you their clothing, and they make high quality products.  From there it was a matter of getting a contract screen printer to do the printing for me.

That is the long and short of how my business began.  I bought t-shirts and paid a contract printer to do the screen printing.  I then sold this product to my costumers.  I came to think of myself as adding value to the t-shirts and bringing buyers and sellers together; all the while I was making more than I would have thought possible years earlier.  I needed very little cash because I didn’t buy anything until my customers had committed to buying the custom t-shirts.  If they wanted to pay with credit card it worked even better because I knew I already had the money.  There was never very much risk and the potential for reward was fantastic.

Eventually my company was making enough money and taking enough time that I left my previous job as a trader to do it full time.  I hired a secretary as soon as I could financially justify it and this freed up my time to seek and meet with customers.  My company allowed me to make enough to grow the business and still never worry about my financial situation.  The most beautiful thing about doing it the way I did in terms of growth is that I never felt like I was risking anything I couldn’t afford to lose.

About fifteen years after I started I got to a point where I was making enough money to try another expansion.  I decided I would move into the screen printing myself.  I currently own my own screen printing equipment and have a full time staff to do the contract printing for others that I used to have done for my own customers.  I currently am in the process of setting up other companies that do what I started to do.  I sell these companies to other ambition individuals and work as their screen printer.  They go and get the customers for themselves, and I offer advice and the contract screen printing.  We set up the new companies with their own website that offers pricing and quotes built in to it.  We do the screen printing at special prices because of the special nature of the relationship that we have with these companies.  Our websites allow the companies to decide what price they want to sell the shirts.  This relationship benefits everyone because they don’t need to go thru the hoops of finding the printer and setting up the company and website, and it generates business for our company too.

This is where I currently am in my own business.  I have attempted to show you the evolution of my business.  I have made more than enough money to live comfortably, help put my children thru college, and save for retirement.  The best part is how much I enjoy my job.  I have woken up every day for the past ten years and known that I am my own boss.  My destiny is my own hand and I answer to no one.  I firmly believe getting into this industry was one of the best choices I ever made.  Think about that all of this the next time that you wake up dreading going to work or the next time your boss is any four letter word you’d like.

Hard selling is when you go straight to the point and start to try to sell your product without any finesse. It is simply telling your prospective buyer that he should buy your product. Now this hard-core approach may work in some instances but the majority of your prospective buyers will be put off the sale by this approach. Here are 10 good reasons to change your sales tactics.

1.     People hate being sold to: hard sell will bring out the worst in people. When aggressive sales techniques are used this will prompt the prospective buyer to be aggressive as well and act negatively to the sales person. Pretty soon they are ready to argue with you and you know the sale is completely lost.

2.     Hard sell will intimidate your prospective buyer: This sales tactic will intimidate some buyers and again cause them to have less interest in the sale. Intimidation will again give your prospective buyer negative feelings towards the sale. They will not have a very good feeling about your company when they see the sort of sales people you hire. This is another factor that will cause you to lose the sales

3.     Hard sell makes you sound desperate to sell and this will always put off your buyer. The buyer can sense when the sales person is desperate to sell a product to them. The buyer wonders why the seller is so desperate and is immediately suspicious. This suspicion will turn into mistrust of the truth in what the sales person is saying. The buyer will very likely not buy the product.

4.     Hard sell in sales copy will often use hype and prospective buyers can see right through this. Prospective buyers are savvier than they were and will not put up with hype. They want the facts not some pie in the sky promise. If sales copy tries to push the sale with this type of tactic there will be no sale.

5.     Prospects need a reason to buy: hard sell does not allow time to explain benefits and what the prospective buyer can expect from the product. Hard sell usually uses features rather than benefits. Benefits are the reason for a customer to buy. You must answer the quest on every prospective buyers mind “What’s in it for me?”

6.     You need to build rapport with prospective buyers: building a relationship with your potential buyer is a very important part of selling. You will not only make a sale on the initial product you will build confidence in your buyer. When the buyer has confidence, they will very likely purchase another related product from your company. If you use hard sell you cannot build this all-important relationship. Ultimately you will lose not only the initial sale but also a valuable long-term customer.

7.     Soft sell will allow the reader to make his own decision without being pushed into a sale. As mentioned people do not like to be sold to, they do not want to feel that someone is dictating to them and telling them that they have to buy something. Most people want to feel that they are making their own decisions and soft sell will do this for them.

8.     Soft sell always outsells hard sell: it is a proven fact that soft sell always outsells soft sell. This is because people can be persuaded but do not like to be forced into a sale. Hard sell is literally pushing your product at your prospective customer and not giving them a chance to say no. Soft sell on the other hand is offering your prospective buyer a product and allowing them to make the decision to buy.

9.     It is easier and more enjoyable to use soft sell tactics: soft sell will allow you to use more sales strategies. It is a more enjoyable way to sell because you can talk to the customer, demonstrate benefits and build up a good rapport with your prospective buyer. It is more enjoyable to talk with your buyer and get to know him rather than pushing a sale on him.

10.    Soft sell is a powerful way of pre selling products and warming your customer for the sale. When you warm your prospective buyer for the sale, you will be far more successful in selling your product or service. People like to know more about products before they buy and pre selling will allow you to do this for them.

Hard sell rarely works because of the above reasons. Additionally there is a stereotype of the pushy sales person using hard sell tactics. When hard sell is used this image comes into the prospects mind and prevents them from accepting the sale. In this way you will lose many sales.

Today we’re going to teach you how to take a general category and break it down into a profitable niche market and then we’re going to show you how to find your most targeted keywords for that niche market.  First of all we’re not here to dog those who are currently showing you how to find a niche market, using Google or EBay are clever ways to find possible niches and it’s a lot better than guessing— for assuming what people are looking for or want by guessing is just pure folly.  However, through our research, Pam and I have found out that only half of the equation is being given and the other half of the equation that isn’t being given is the use of a keyword lookup tool.

Let’s go to Keyword Discovery (http://www.keyworddiscovery.com/search.html), they’re just one of the free tools  out there that we like, there are many others this is just one of them.  Now, we’ll go down to the keyword box and type in a general keyword that we want, we’ll just go with “boots.” Then go down to the authorization box and fill in the letters and numbers shown, making note that it is case sensitive.  Then hit enter or press Search.

On the top line, “boots” has a number of 268,750--now that number is for searches per month.  Now, a lot of your keyword tools are going to vary on the numbers, for their accuracy, but they’re all going to be in this general area, it’s just so that you can get an idea of what people are looking for.

So we’re going to use “boots,” so let’s see if we can find a niche for that keyword.  Let’s go over to Google, and in the Google search we’ll type in “boots” to see the competition is.  Okay, on the right hand side, “boots” has a competition of 155,000,000.  Now 155 million is huge, that’s a big number.  So, we’re going to want to try to narrow this down a little bit, to see if we can find a bit better of a niche.

So, let’s go back to our keyword tool and let’s find out what’s going on under “boots.”  Underneath “boots” the most looked for keyword is “ugg boots,” not “cowboy boots,” or “rain boots.”  “Ugg boots” is the most in demand keyword right now and it has a number of 57,595 searches per month, which is a very respectable number.  But, there are two parts to this equation.

We want to see what the competition is.  So, in other words, no matter what your key term is and how many searches per month, if the competition number is just out of the water, like a billion, you know you have a huge competition there and it is probably better to find a different type of niche, a different type of subject, or different information to sell.

But, “ugg boots” is a very respectable term, it’s getting respectable hits, so it’s worth further exploration.  So, let’s go over to Google and let’s find out just exactly what the competition is.  Let’s type in “ugg boots” and see, which narrows it down quite a bit to 1,990,000, so basically we have a number of two million for the competition which is very high.  But if you keep it around a million or less, you can get into a good niche situation.  The hundreds of thousands are even better, maybe 250,000 or even 150,000 that would be excellent numbers for this amount of keyword searches per month (57,595).

So, we have “ugg boots” but let’s try and tighten that up a little bit better because we know that will work for a niche because it’s right around the one million mark and it does have a high search per month number.  But, if we were going to use “ugg boots”  let’s decide what kind of keywords we could put in our website for search engine optimization.  Now we have our niche, let’s find the most targeted keywords for that niche.

So, we’ll type in “ugg boots” into Keyword Discovery and it brings up a result with the top search term being “ugg boots size 8” and it has a monthly search of 1,244.  But, like I said, there are two parts to this equation.  Let’s find out what the competition is, so let’s go back to Google and type in “ugg boots size 8.”

It brings up a result with a much better competition bracket with only 238,000 for that key term.  See how we’re narrowing it down into a niche, into getting the right eyeballs to your site?  If you’re selling “ugg boots” you don’t want people looking for “cowboy boots” coming to your site because that’s not what they’re looking for.  You want people that are looking for “ugg boots” to come to your site—get the right eyeballs coming to your site—because if they’re looking for “ugg boots,” especially “ugg boots size 8” and you’re store is on the first page, which can be accomplished with our methods, they’re going to click on you and they’re going to buy from you.

Now, just for curiosities sake, let’s see what one other keyword is bringing—“cheap ugg boots” is third on the list and it has 1,241 hits per month and it’s just about three different from the “ugg boots size 8” key term which had 1,244.  So, let’s go find out it’s competition on Google.  A search result for “cheap ugg boots” brings up 116,000, so your competition is in half.  This number is half of the other search which had 238,000.  Even though the searches for those key terms are almost identical, there’s just about three searches difference , but your competition has been reduced by half.  So, you know that your “cheap ugg boots” is going to be one of your top keywords, plus it will help get the right eyeballs to your site.  These are both very good.

Another point I want to make is that we have four key terms that are at least one thousand searches per month or better and that’s where you want to start, or place your lower limit.  Now, of course you’re going to have a balance between your competition and your key term that’s being searched for.  But if you’re a thousand hits per month or better that will develop good organic traffic to your site and if you can get it narrowed down so that your competition is below a million, you’re going to have a niche.  That was just real easily and straight forward how you can find a niche market and succeed.

Business credit cards are very essential for small businesses.  These credit cards offer the most important accountant benefit to small business owners, which is to keep business expenses separate from personal expenses. What would have been a nightmare trying to figure out various expenses are now recorded on your free monthly statements. This saves the business owners a vast amount of time trying to manage expenses since there is no need to save receipts, worry about losing receipts, reimbursements errors or sorting out personal expenses from business expenses. With this statement, business owners are able to monitor and control expenses and make it easy in filing income tax.

Do not use a personal credit card to make purchases. This will only cause confusion, inaccurate reporting and poor business management. Running a small business requires business owners to maintain accurate record keeping and track expenses. This is where the business credit card plays a pivotal roll. It separates personal expenses from business expenses and categorizes expenditure with no need for reconciling your expenses. Credit card companies can also generate itemized spending reports for individual employees to track employees spending. This information is the key to having a successful business. Business owners are able to manage their business more wisely because of the detail transactions recorded on their monthly business statement.

The Business Credit Card statement gives a categorized report of all purchases made and the ability to generate itemized employees report. Knowing where every dime is spent will enable the business owner to cut expenses where needed and improve on investments that are showing a profit. The major objective in doing business is to make a profit and to stay in business. Therefore keeping track of every purchase made and bill paid is very important in running a successful business. Accurate records at your finger tips will help in managing cash flow with accuracy, making right decisions, making a profit and eventually staying in business as the business grow.

Business credit cards have features comparable to standard credit cards such as, low introductory APR, cash back, rewards, frequent flyer miles, no annual fees, 0% Intro APR, balance transfers etc. The big difference is that business credit cards are optimized to save money on business purchases. Business owners can save money by leveraging their buying power, getting merchant discounts, group discounts, buying in bulk and getting a higher credit limit. The more you spend the better the rewards and cash back you receive.

Business credit cards have additional benefits such as online account management and may have option to download statement into QuickBooks, auto insurance, higher cash advances, personalized business credit card, free additional cards, year end statement to file income tax, higher unsecured credit limit. No need to spend time reconciling your expenses. Protect your credit by making credit card payments on time to avoid penalties. Credit card activities are reported to the credit bureaus Experian, Equifax and Trans Union.

Before applying for a small business credit card you will need to do some research. This is to help in finding the best business credit card suited for your company. All business credit do not have the same features. Some may be better suited for travel rewards, entertainment, credit limit, gasoline purchases, car rental, etc. An example would be business owner maximizing the benefits of the business credit card by having the fleet of vehicles buy its gas from a company that offers the most cash back or employees flying on airlines that offers the most bonus miles that can be used for free airline ticket.

Read the terms and conditions to know about the features offered such as interest rates, cash back, rewards and fees. Small business owners should know about the repercussions about making late payments, default on payments and who is responsible for any expenses incurred if your credit card is stolen etc. Small business owners are generally a sole proprietorship and are personally liable for the debts. Therefore if the business owner defaults on credit-card payments the creditors can go after the person who signed the credit card application.