shadow

Articles from September 18, 2011

Methods Of Saving Money

Posted on: by:

One saves for several reasons such as for a college education, buying a new car, for a new TV set you wish to acquire in three to four months time, for down payment on a home, or to provide for yourself when retirement comes.

As much as there are several reasons for saving, there are likewise many methods in which one can save. In most instances, the best method can be determined by whatever plans you have for the future.

1.     Savings accounts. When saving for just a short period or for emergency purposes, consider opening a savings account passbook, as it is in this method that you can easily gain access to your funds.

Great for both long and short term savings, you can deposit and withdraw money to your account and earn interest, based on your average daily balance. A minimum balance is required to be maintained though, and you are charged with a penalty should you fail to maintain it.

2.     Checking account with interest.  Here one can benefit from checking account conveniences, while your deposits gain interests. Generally these types of accounts grants privileges such as limitless withdrawal and check writing, access to ATM and bill payments that can be done online.

This method typically requires a daily maintaining balance of at least $2,000.

3.     Money market insured accounts. For long-termed goals, this method is ideal, as it generally offers a much higher rate of interest compared to a regular or standard savings account.

The interest rate usually is dependent on the amount of money in your bank account; larger balance means higher interest.

4.     “CD” or Certificates of Deposit.  This is a savings method requiring you to “loan” your money to your financial agency for a certain time frame, usually ranging from thirty days up to five years. Here, the longer the time span again, means higher interest.

Keep in mind that usually insurance companies offer better deals on interests compared to banks, so before you invest, compare rates first!

At certain times, when your goal is many years away, it can be a wiser decision to save money in a certain way that you are not drawn on using it other than the main reason for saving it. Deciding on the right financial agency such as a bank, credit union or insurance firm can bring about a lot of benefit in your finances.

Hi. I found an Excellent Opportunity for you

Posted on: by:

Hi. While I am browsing the Internet, I have found an Interesting website which gives us an Excellent opportunity to earn Money in a smart and simple way. This system is 100% legal and 1000% successful. This is not a Scam or Fraud way of making Money. This system of making money is very simple than any other system in the Internet. You can see the result in less than 10 days. This system had already made many Millionaires in India. Why not you be the next Millionaire ?

I have already joined and getting good money. To know more about this opportunity visit  : http://www.rmjanane.cash2all.com/

Regards

5 Ways to Stay Motivated in Your Work at Home Business

Posted on: by:

Whether you're just starting out with your work at home business or you've had a home business for many years, you'll need to stay motivated if you're going to see continual success. Everyone goes through a home business slump occasionally, but it's those who stay motivated who will reach their goals. Here are five simple ways you can stay motivated in your work at home business.

1. Work from a List

Create a daily, weekly and even monthly list of things to do in your business. This sounds so simple, but yet a "to do" list is a powerful tool in helping you accomplish home business tasks. Prioritize your list each day so you can do those things that are most important first. If you have tasks that you absolutely dread, then put those tasks at the very top of the list if possible. This will give you a free mind for the remainder of the day to concentrate on the tasks you enjoy.

A list can consist of many things, from promotion steps to phone calls to make, and even a stack of papers that must be organized on your desk. Most successful business people create a list and then check off items as they are completed. This gives a sense of accomplishment throughout the day as you complete tasks.

2. Search for New Opportunities during Slow Business Times

Having a slow time in your work at home business? Don't despair. And, whatever you do, don't go apply for a job at the local fast food chain - just yet! Stay motivated by seeking out other home business opportunities that may tie into your current business.

Perhaps you offer a product or service that sells very slowly during the spring months. You could seek out related products or services that would be popular during those months to offset the other in profits. This will give you a chance to make money and enjoy multiple streams of income year round!

3. Take an Online Training Course for Better Education

Educate yourself through online training courses related to your field so you can learn how to maximize your skills and profits. There are many training courses available online today in the fields of web design, graphic design, online marketing, real estate, travel, office skills, medical, insurance, and finance.

With online training, you choose only those courses that will benefit you and your work at home business. You can usually take the courses at your own leisure from home, and will pay far less than you would for a college course.

4. Expand Marketing Avenues

Don't settle for less. Use the wisdom and experience of others who have been in business a while to expand your marketing avenues. You might consider reading after top marketers to get Internet marketing ideas. Also, there are many ways to promote your work at home business off-line.

To stay motivated, always test your efforts to see what results they bring. This is far more exciting than paying for ads and never knowing if they work or not!

5. Network with Others

Another way to stay motivated during a business slump is to network with others. Find others in related fields who can offer advice and encouragement about your business. A work at home business can be lonely at times because you never leave the house! Finding others online and off-line who do the same thing will give you an outlet for those lonely days.

Use these tips to stay motivated in your work at home business. You deserve success, so don't give up!

Why Fear To Sell .. How You Can Overcome It” (Part I)

Posted on: by:

In the first article we looked at how many first time (and experienced!) sales people can be held back from achieving success because of the fears they may have on getting out there and selling.

In the previous article I highlighted 6 main selling-related fears: failure; image or self belief; rejection; lack of product knowledge; criticism; presentation. Each of theses fears on their own can cause a breakdown in the sales process and prevent you from confidently tackling another prospect.

In this article I will look at how you can address these fears head-on; what you can do to face your fears and banish them for life!

Fear of Failure

Undoubtedly the biggest fear most people in selling, and business have is the fear of failure. There is nothing more demoralising than a continual lack of success! Fear of failure has been ingrained from school – remember all those tests when the results were read out for all the class to hear? If you had a poor result, you never felt like trying again! But, don’t be like Homer Simpson when he tried to consol his son Bart who had failed in his bid to be class president,

“You tried and you failed. The lesson is … never try.”

So, what can you do to conquer your fear of failure? The bottom line is that you need a rock solid positive attitude. You must have an inner voice which is continually pushing you onto the next prospect and saying, “Come on, let’s find the one who’s going to say yes!”

Failure has to be seen as a learning opportunity. In every failure, there is a nugget of information, which next time, can point you in the direction of better success. James Dyson, the inventor of the revolutionary vacuum cleaner, summed up the need for a positive attitude, when he said, “Success is made up of 99% failure. You galvanise yourself and you keep going as a full optimist.”

Image Fear

Not everyone has boundless self-confidence. When you start out in business, there is sometimes a nagging doubt that you may have bitten off more than you can chew. This inner doubt chips away at your self confidence and soon you have a poor self image, which reflects in your sales pitch. To be a successful salesperson you have to have a strong self image.

To improve the image you have of yourself, follow these steps:

Write down the qualities which you believe a successful salesperson should possess. Try and limit the list to 4 or 5 key qualities

Find a quiet spot and relax your body and mind with deep and steady breathing

Once you are totally relaxed recite the strong, self image qualities you identified earlier

Imagine or visualise yourself possessing each of these qualities. See in your minds eye how you look, now that you have these qualities. See how successful you are, how you look, and the car you are driving, where you are living

Repeat to yourself that you are assuming each of these qualities and becoming a better person with each day that passes

Repeat this exercise first thing in the morning and last thing at night and you’ll soon find your self image and confidence levels increasing!

Fear of Rejection

Closely linked with the fear of failure is the fear of rejection. Hearing the response “No” is not a great motivator! The main way to deal with rejection is just to accept that it happens. Try and re-frame any rejection you get by saying to yourself that it’s the customer who loses out, not you. Walk away with a smug smile on your face and remind yourself that you are one step closer to someone who will say “Yes”.

Product Knowledge Fear

A lack of in depth knowledge about your product or service quickly finds its way to making for a poor presentation. There is only one solution … and that’s to get learning! Absorb yourself in the product. Understand all the features and benefits, so that you can confidently talk about all aspects of your offering. Banishing this fear is one of the easy ones to put right.

Criticism

No one likes to be criticised, especially if you have tried your hardest. Unless you are very thick-skinned, harsh criticism can knock you back. If you carry out the exercises on improving your self-image, your ability to take criticism will also improve. Decide to view criticism more as feedback than a direct attack on you. There is usually some element of truth in the majority of critical comments and it’s important that you take the opportunity to learn and change.

Presentation Fears

You may know all the features and benefits of your product but, like an actor, you suffer from stage fright! The presentation fear can be down to a lack of structure around your sales process. Write a basic outline on how you wish a perfect sales pitch to go. Prepare a script for the key parts of the presentation and rehearse, rehearse, rehearse!

Why not ask someone to help you role play a sales presentation? This will give you the opportunity to make all the mistakes you want but in a risk-free environment! You should also visit your local Business Link office and see what courses they are running on sales skills. Look out for books and tapes on effective selling. All of these actions will assist in improving your confidence and result in a more professional sales presentation.

Selling does not have to be a fearful experience! If you have the right attitude, a strong self belief, a full understanding of your product and plenty of practice, then you will have nothing to fear. So, take a look at each of these fears and put a plan in place to tackle them today!

How to Genuinely Enjoy Cold Calling

Posted on: by:

Five perspectives that will (honestly!) create enjoyment in your cold calling

Most of us dread our days of making cold calls. We take a deep breath, pump ourselves up, and prepare to talk with a perfect stranger. Is there any wonder a gray cloud sometimes hangs over our desk?

It really doesn't have to be this way. Cold calling can be an interesting, intriguing, fulfilling adventure.

Here are five perspectives that will give you an entirely new outlook on cold calling. When you apply these new perspectives, cold calling can actually be enjoyable. It can become personally fulfilling as well as financially rewarding.

1. Focus on Helping the Other Person

It’s against our nature as human beings to create an uncomfortable situation with another person. That’s the core reason many of us get that knot in our stomach when we start dialing a cold call.

When we’re only focused on making the sale, this is not a natural meeting place for both people. We want the sale, but the other person usually wants us to go away. Being intrusive is not the finest of character traits, and on some level we know it.

So how can we feel good about cold calling? We change our mindset from getting the sale into being helpful. We look at cold calling as an opportunity to assist.

How can we possibly feel uncomfortable doing that? Helping people is one of the best character traits we possess.

When cold calling is aligned with our very best way of being, it becomes an adventure. We truly want to help people. We feel very good about this, and it shows in our voice. People hear it. And their response will surprise you.

2. Be Honest and Truthful

You’re in a very good place when you choose to be truthful in your cold calling. If you’re not trying to fool anyone, you naturally feel better about making the call. You know that you’re trustworthy. And people respond to you in a positive way.

When you approach a potential client with integrity and common sense, you’re more personable and less tense. Being fully honest is one of your better attributes. And it gives you an opportunity to enjoy the interaction rather than being artificial or manipulative.

People do seem to have a sixth sense about integrity. When they feel you can be trusted, you can truly shine as a person as well as a potential supplier.

3. Be Yourself

Engage people in natural conversation. The more natural you are, the more comfortable you will feel. This makes the other person feel more comfortable as well.

Avoid playing a role, especially reading from a script. Most people can tell when you’re using a script. There’s nothing personal about it, and they pick up on that.

Being artificial puts you in the "typical salesperson" category, which is exactly the role most of us detest. It doesn’t feel authentic. And unless you’re a born actor, it makes you feel skittish about cold calling.

Give yourself permission to follow the rhythm of natural interaction. Allow the conversation to "breathe." Let it be the kind of conversation you would have with a friend.

Practice this and it can turn your cold calls into pleasant conversations. And you may actually look forward to meeting that new person the next time you pick up the phone.

4. Get into the Other Person’s World

Shift your mindset away from what you have to offer and focus instead on what their problem is.

So many of us have been trained think about our services and products, that we don’t think about the client’s point of view. We aren’t really interested in their issues and how we can help solve them.

Be interested in their world and their challenges. You’ll find this intriguing. Most of us have a natural flair for problem solving. We enjoy "fixing things. "So find out what’s going on with the person you’re talking to.

Make sure the solution you have really does "fix it. "Get rid of any hidden agendas and truly listen. Let them know you’re interested in them and their world.

Move outside your own sales agenda to focus on the needs of others. This makes you a better human being and helps you leap past the fear of cold calling.

5. Let Go of Expectations

Never assume anything beforehand. Allow the conversation to be one of exploration and discovery. Stay focused on the dialogue instead of any private agenda.

Determine whether it makes sense to continue the conversation by truly listening. Never presume your prospect should buy what you have to offer, even when it seems they’re a perfect fit.

You are not calling to create a situation that is focused on your personal gain, but on helping the other person. Simply have a conversation to explore whether you can help them in some way. This takes pressure off both of you. You’ll be more relaxed and they’ll be more honest about where they stand.

Believe me, once you start applying these perspectives it will transform your day-to-day work life. Instead of dreading cold calling, you’ll anticipate the adventure of creating a situation where everybody wins.

Google Pay-Per-Click Ads FREE!

Posted on: by:

Internet Marketer Gets $87 Million in

Google Pay-Per-Click Ads FREE! ... And

Makes Over $314 Million as a Result! ...

And Now He's Going to Give You This

Same Secret for Next to Nothing!"

Everyday Google sells several $10 million’s in pay-per-clicks. But

I get all mine absolutely FREE – and now I am going to show you

how to get yours FREE also!”

That’s right – Start Sharing in the *Incredible* Secret So Few Others Know About that Allow Them to Actually Get All Their Pay-Per-Click Advertising Absolutely FREE!

Fast facts about this amazing NEW SECRET!...

This is an incredible system developed by none other than Dr Jon Cohen, MD (retired) who found a little-known “twist” in how to use the pay-per-click (PPC) and paid-for targeted advertising programs at Google™ and the other search engines.

Dr Jon has personally used this to:

Eliminate over $87 million in otherwise paid-for and PPC ads at Google™ and other search engines over the course of about 9 years now!

Generate over $314 million in product sales as a result of this incredible savings!

Acquire a personal wealth of more than $68 million! (Net)

Start and develop 16 online ventures of his own.

Has coached “live” where he taught others this same amazing formula - including 198 executives from major Fortune 500 and FortuneSM 1000 companies, 14 representatives of publicly-traded companies on the New York Stock ExchangeSM (NYSE), 82 more on the NASDAQ, 5 members of investment houses on the American Stock ExchangeSM (AMEX), as well as at least one former US Congressman (now retired also) who now stays at home and runs a home-based online family business, among countless others.

This system has nothing to do with Google “vouchers” or “AdWords™ credits.”

Also, it has nothing to do with adding any special magical “code” or “script” to your website that will bar Google and other search engines from being able to bill you.

Instead, Dr Jon’s system is very unique to say the least, and allows for the elimination of advertisers having to suffer the burden of costs of their Google and otherwise paid-for search engine advertising expenses!

It can even create many additional streams of income flooding money directly into your pocket very quickly!

Above all, it’s unlike anything you’ve ever seen!...

http://sevilyalci.freegoogle.hop.clickbank.net

Get Ready For Halloween Today!

Posted on: by:

Halloween is one holiday that most children really enjoy, but too many parents get stressed out over it. Some simple planning though will help you get ready for it instead of dreading it. Costumes are always an issue for children and they should have some say in what they get to wear. Put a dollar amount limit on it if they want to have a costume purchased instead of made.

All costumes should be tried on so you know they are going to be a good fit for your children. Too many accidents happen due to eye holes not lining up correctly and them tripping over the bottom of it. Take care of these issues before Halloween so that they can just slip it on that night and go out.

Make sure you explain Halloween safety to your children before the big night. This way they will pay attention because they won’t be overly excited. Try it out during dinner the week of Halloween to ensure it is fresh in their minds. Explain they need to use sidewalks and never dart between cars to cross the street. This should only be done at the crosswalks. It is a good idea to give each child a flashlight or a glow stick so they are easier to notice. They also need to refrain from eating any candy that they get until an adult has carefully inspected it.

It is easy to serve up a fun and scary Halloween meal without too much effort. Since you know the little ghosts and witches will be eating plenty of candy in the days to come you can be proud to serve them something healthy as well. For just a couple of dollars you can purchase brain Jell-o molds. Mix up a meat loaf and let it sit over night in the refrigerator. These molds are made from plastic so you can’t bake in them but the design will become indented in the meat as it sits overnight.

Serve up plain white rice or even broccoli rice with the meatloaf on a plate as brains and maggots. Your children will really enjoy eating them and this doesn’t take very much effort to complete either. You can also make a delightful and delicious punch to serve with it. The night before fill up rubber gloves with water and tie the ends shut. Make sure you separate the fingers as you place them in the freezer.

In a punch bowl mix black cherry juice with a two liter of 7-Up. Place the hands into the mixture for icy hands that are very real looking. To make the punch even for Halloweenish, add some scoops of rainbow sherbet to it.

Getting ready for Halloween doesn’t have to be expensive or time consuming so have fun with it. This is a holiday that people of all ages can enjoy. Start making your plans for it today so that everyone can have a good time without worrying about last minute details.

Offshore Outsourcing Services India offers contain more than just cost advantage!

Posted on: by:

Some other factors associated with the success of offshore outsourcing services India based firms are currently offering:

Offshore outsourcing services Indian consultancy and management firms are now offering foreign based clients include minimal risk involving high productivity and measurable profitability business delivery models that are planned in accordance with local culture to be a perfect fit.

The customer-centric approach to first evaluating the client company’s business objectives and then planning and implementing a customized business delivery model keeping in mind cultural diversity and communication aspects that need to be adapted afresh, are all contributing factors for successful delivery of the offshore outsourcing services India based firms offer.

Other advantages offered by offshore outsourcing services India based firms provide include improved standard quality infrastructure at reduced costs, quantifiable cost savings, lowered capital outlay and operation costs.

Added to this is the reliability of experienced and dedicated workforce committed to using cutting-edge technology in a 24/7 work model and proven results from satisfied client testimonials as recorded in a verifiable portfolio.

Apart from these immediate benefits of choosing an experienced offshore outsourcing services India provider, a foreign business owner can also rest assured that projects will start quicker and come with a timeline guaranteed to accelerate product time to market and win wider customer base while success partner studies and incorporates adaptable and applicable new trends in offshore outsourcing to the remaining length of the project.

Growth of offshore outsourcing services India: reasons and types of success stories.

Outsourcing when it first began in the early 1980’s dealt mostly with the non-core business functions of the IT industry that were related to setting up and maintaining customer service support groups, as aided by call centers and BPOs, managing back-end processes and technical help-desk responsibilities. Slowly, their sustained success, reduced cost of operations, better tactical and more professionally managed portfolio of services aiding confident, cohesive and strategic approach business continuity and growth helped BPO service providers in the IT domain offer the same quality to other industries, such as financial, medical, educational and legal companies. Thus, started the current wave of offshore outsourcing services India with more innovative management approaches, reliable and cost-effective delivery of seamless integration of business operations and better formal governance structures so customers and their business were always assured of the opportunity to excel through cost-efficiency, agility and growth – and so it has remained, especially with www.eupath.com

Tips for Carpet Cleaning

Posted on: by:

An unbeaten carpet care program commences previous to installation and than keep on with the regular vacuuming, maintenance, clean-up and episodic renovation efforts. It calls for utmost care to shield it against wear and tear and the other hazards of every day use.

Here are some implications for upholding the carpets:

1.     Vacuuming the carpet repeatedly with a strong suction, rotating brush and tight filter will reduce the soil buildup.

2.     Examine the carpet before scrubbing, extracting or spotting for the fact that some carpets are very sensitive to acid type cleaners and lose their color in a great extent while other carpets are sensitive to harsh alkalis.

3.     Do not apply strong spotting agents if not required and always neutralize high alkaline or high acid cleaners after use. Make use of appropriate spotters starting with the mildest.

4.     Brushing the spot is not a solution for the cleaning. The correct method to do away with the spot is to rub it towards the middle and then compressing into the cloth by means of brush or the other tamping devices.

5.     Increasing quantities beyond the recommended solution levels is not going to boost the cleaning efficiency. It will result in residual left which will lead to a rapid re-soiling that thorough vacuuming also can’t eradicate. So, take extreme care with the detergents.

6.     Since over wetting can cause brownout, adhesion problems and carpet shrinkage so take care not to make it over wet in a tremendous amount.

7.     After cleaning, please ensure your carpet is dried within twelve hours, otherwise mold or mildew may grow on them. Careful use of good ventilation, central heating and air conditioning systems will help the drying process.

8.     The ideal way to get a fresh Chocolate Milk spill out of the light colored carpets is to use a product entitled--Simple Green (It is non-toxic).

Your carpet will last for a length of time, if clean-up procedure is applied accurately. How often you clean up the carpet will depend on the weather and traffic. Usually, carpets in light traffic region should be cleaned once in a year; in normal traffic areas, once in six months and in heavy traffic areas almost certainly once in a month.