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Need Help On That College Tuition?

Parents nowadays are amazed or even flabbergasted at the high cost of college tuition fees.

The average cost at a private college or university in the US is about $21,235 per year, and about $5,491 per year at four-year public universities. In 2006, public college tuition jumped 10.5 percent. (egad!) And when you add in room and board, the cost of attending a private college is $29,026 per year on average, and $12,127 at four-year public universities. According to msnbc, published prices are up 35 percent in five years — the largest increase of any five-year period in the 30 years covered the report.

Taking inflation and the rising cost of living into account, monetary help is needed much more than ever. So before sending your teen out to the big school, make sure you're prepared, at the most, financially. It’s never too early to research on available support, and that’s where a site like eLearningYellowPages.com can help. They have a list of scholarship matching services where you or your child can apply online and get a head start on that tuition aid. There are informative and useful articles regarding how to find financial aid including grants and scholarships via the Internet, and how to avoid potential scams.

There are also available resources which can be used for any type of educational opportunity, including GED courses, Certificate Programs, Undergraduate & Graduate School, Online or Distance Learning Programs, Home-Based Study, Continuing Education and Career Training.Secure your children’s education and secure their future now.

Yahoo Acquires Popular Behavioral Ad Firm

Yahoo inc, the California-based search engine, announced recently that it has purchased BlueLithium, the fifth largest online ad network in the U.S. for $300 million, in with the goal of cornering the ever popular market of behavioral ad targeting.

With this deal, Yahoo’s current behavioral ad targeting efforts, aimed primarily at users of Yahoo mail and Yahoo travel, will be strengthened by BlueLithium’s tracking technology, designed to zero in on consumer preferences as they navigate a site, which allowed for a more focused targeting of ad delivery by a business or, in this case, a search engine.

This tracking ability is made possible by the use of cookies—small packets of data that record user visits and habits on certain sites, and over time, make it possible for Web sites to target their ads to specific demographics within their consumer base.

According to Yahoo News, www.news.yahoo.com) senior vice president of  the Yahoo Publisher Network, Todd Teresi, responded to this purchase of the three year-old, invitation-only BlueLithium network via telephone by saying that this (purchase) “will give us (Yahoo) the ability to (deliver) more relevant advertising to consumers not only on the Yahoo network but also off of the network.”

Yahoo’s user base of over 250 million is expected to greatly expand, with the addition of BlueLithium’s nearly 120 million users, and the geo-targeting capabilities of the new tracking technology will allow said users to connect to online customer segments, featuring marketers that offer products and services tailored to their particular interests, and in some cases, location.

Search Engine Optimization, which targets the behavior of Internet users via the use of searched keywords and other related methods, will likely see benefits from this newer type of behavioral marketing technology, since it will provide a clear, more defined scope of an individual’s search preferences and favorite sites.

It is reported that this acquisition of BlueLithium is expected to be finalized by the fourth quarter of this year, pending regulatory approval and other conditions.

What You Should Look For in a Web Hosting Service

If you are thinking up putting up your own website, the most important thing you should consider is the type of web hosting service you'd like to avail of. There are a lot of web hosting services in the internet today. Some of them are even offered free of charge.

Web hosting services vary greatly in the features that company provides. And when it comes to web hosting the following features are the things you should check first:

1. Total web space provided.

Web space corresponds to the amount of files you can upload to the server. Of course, the bigger the web space provided, the more sites and sub-domains you can host. You can also install many applications, as space is not going to be a problem.

2. Total amount of traffic allowed.

Some web hosting services measures the traffic a certain website get. When it comes to this aspect, unlimited traffic is best. If there's a limit to the monthly traffic delegated to your site, chances are, your website won't display on the browsers of the visitors who are above the limit. This won't make your site look good.

3. Server uptime.

You want your website up 100% of the time, if possible. This feature is usually dependent on the servers of your web-hosting provider. You have to make sure that you go with the company that is totally reliable.

4. Software, applications and bundles included.

This is where the freebies come in. There are a lot of web hosting services that offer application installation support. The most common web hosting scripts and programs today are Java, Php, and Frontpage. Try to find out which of these are supported by your web hosting provider to determine if your web page will work for them or not.

The performance of your website relies on your web hosting service. Make sure you trust your website only to the experts. Go with the company that understands the needs of their clients when it comes to uptime and functionality.

Offshore Gaming Update July 2007

Offshore Banks - Offshore banks in numerous jurisdictions have agreed to close bank accounts belonging to firms operating online gaming businesses. Included in this decision were some of the larger offshore jurisdictions. This will make it harder for the offshore gaming sites to accept payments. If they can get a credit card processor they need a bank for the credit card processor to wire the funds into. Offshore gaming may soon become extinct but it is definitely on the endangered species list. Panama banks have not opened new accounts for offshore gaming sites for some time now. Most of the sites are licensed in jurisdictions like Costa Rica.

Neteller Forfeits $136,000,000 - Neteller in the interest of avoiding prosecution by the USA for violating their online gaming laws by facilitating payments from Americans for illegal gambling has agreed to the loss of the money. It seems they will be allowed to remain in business and will be monitored to ascertain that they are not doing business with any Americans. After 18 months of monitoring if they come up clean they will have all their charges dropped. They are facing criminal charges. Now which will be dropped if all goes well. I expect the monitoring involves the USA looking over some records and ID documents of account holders.

Offshore Gaming Outlook - Seems pretty bleak to me. The real problem for the gaming industry is the payment solution. If they can solve that they may flourish but I doubt they can solve this. All payment solutions lead to a bank account and now the banks are cutting them off.

Online Gambling in Panama - Not going to work. No bank account and expensive licenses.

Sell Trucking Company – Steps to Sell Carrier Company

If you are decided to sell trucking company, you need to emphasize on a couple of key factors that govern the worth of your business. Ahead of planning to sell trucking company you should decide whether to sell entire assets of the company which includes real estates, if applicable, maintenance infrastructure apart from the fleet. The next critical step for you would be to have the assets appraised by an approved appraiser in your region.

Preparations to Sell Trucking Company

In addition to asset’s worth it is essential that essential to factor in the audit reports of at least previous five years along with projections for the future. This forms the foundation for compiling the selling price.

Secondary line of preparations includes upkeep and renewal of relevant licenses of your business and trucks. Besides, decide to what extent you are prepared to negotiate and what assistance or sops you would like to offer the buyer.

Planning To Sell Trucking Company

First off, involve your accountant at every critical step. This helps you check if the sale is drifting away from worth based paradigm to asset based one. Remember, the asset based paradigm doesn’t take into account the future earning potential which benefits the buyer; however, if your company is not making profit in previous years, you have not many choices.

Steps to Sell Trucking Company

Steps to sell trucking company are not very specific excluding a few factors, such as selling to your peers and higher depreciation factors unlike selling real estate. Here are a few steps specific to sell trucking company that stand as guidelines.

1.     Instead of directly approaching prospective buyers, it is prudent on your part to spread the word that you want to sell trucking company in the industry circle. As experience tells, this kicks up speculative valuation and sort of insulates you from having to hard defend your sale price.

2.     Float announcements that you want to sell trucking company in local newspapers and/or internet. Screen the purchase offers based on criteria like offer, buyer’s reputation and ability to manage additional fleet etc.

3.     Setup negotiations with screened buyers but take care not to give in to discount demands. Sticking to your price (albeit with a little flexibility) is a proven strategy which hardly backfires.

4.     Be specific with the buyers about your obligations, whatever they are, on re-registration responsibilities and its cost, typically if you want to sell trucking company to an interstate buyer.

5.     Be practical over payment terms, higher the down payment better but be judgmental based on your instincts.

Finally, it is prudent not to sell trucking company to an unknown party even if the offer is lucrative.

The Case for Diversity

Our society wants to define diversity as profiles in which demographics measure the state of variation within a group.  The portion of females, the ethnic distribution, and statistics is our criteria for diversity.  I suggest a broader perspective which will certainly include well distributed demographics attributes, but also include people from a wide range of economic, educational, social, and political perspectives.   The key element is a broad and open mind.

Everyone comes complete with a theory of everything.  Some theories are in various stages of development, and others are intransient. A single view of the universe is not good.  Enough variety is necessary to thoroughly investigate all the options.   Alfred P. Sloan, the genius who put together General Motors, provides an excellent example with a top level management proposal.  He was having a staff meeting.  The proposal at hand received unanimous consensus.  Sloan purportedly indicated, "This proposal has unanimous acceptance which frightens me.  Let’s table this issue for reconsideration at our next meeting.  In the interim, research and evaluate this proposal." At the next meeting, the group unanimously rejected the proposal just as they had previously accepted it.   The moral to this story is a uniform perspective is a bad thing, whether it is universal acceptance or universal rejection.

Progress arises out of dissonance.   A compliant Albert Einstein would have never given us the Theories of Relativity.  It was Einstein’s attempting to force observed data into existing theory which broadened his perspective into an expanded restatement of Newton’s laws of motion.   However for every Einstein, a million quacks exist.  Just because a new vision has birth, does not mean the new vision is an epiphany.   The two professors who believed they had just discovered cold fusion is a good example.  The two were so bound by their immutable theory of everything they could not observe the obvious flaws in their research.  When their research received the scrutiny of peers, they became renowned as fools.   Their closed-loop thinking trapped them in their own ignorance

Liberals and conservatives, progressives and regressives, well educated and those who gain their knowledge in the school of hard knocks all bring important perspectives.  The conservatives will moderate the exuberance of the liberals.  The Liberals will draw the conservatives from their bastions.  Progressives will attack the boundary of technologies.  Regressives will tend to the center not venturing from the safety of the known.  The well educated will apply the vast array of convergent and divergent thinking while those with a plethora of real life experience will prevent small details from sinking the ship.  The important point is not to see these different and seemingly opposing philosophies as conflict.  The goal is not to battle until one outlook dominates all the others.  The purpose of the inclusion is to make synergy prevail into a solution which each component is incapable of developing.

Lean Six Sigma has a purpose of creating dissonance.  Processes such as 4 S, FMEA, VOC, DMEA, SPC, and others seek to make the current condition better.   All are technologies by which to disturb beneficially the status-quo. Each provides a systematic and constructive process to investigate and to improve.  In a word, they are all dissonance.  In a mono-culture, none of them will thrive.   Diversity is a precedent condition for Six Sigma.   Broad diversity across all components optimizes the results using the Lean Six Sigma processes.

The first step is recognizing diversity is not a competition or a contest. Diversity does not end with a victor.  All components are necessary to present and to articulate a thoughtful perspective.   The purpose of diversity is to understand.  Understanding does not connote agreement.  Understanding does not connote dominance.  Understanding does not connote abdication.   Each component remains in tact changed only by its more complete understanding and its corresponding re-evaluation of its respective "theory of everything".  For an organization to move forward, each component needs affirmation that their participation adds value.  Each component needs affirmation their respective condition is secure.

The second step is construction of diversity.  Diversity will not occur by itself.  An overabundance of forces exists to prevent inclusion.  Perhaps affirmation is the primary driver preventing diversity.  People will naturally reduce the angst resulting from discordant information and alternative outlook by seeking sanctuary.   It is easy to receive confirmation when all those around have a narrow and parallel view.    President Lincoln is the best example of how to construct diversity.  In a time of maximum turmoil in our country, Lincoln purposefully sought to build a cabinet of dissimilar people.  He valued thoughts different from his own.   Cabinet meetings often were tumultuous.  After hearing a full and vigorous debate, it came to a vote.   It was Lincoln saying, "Nine nays and one aye.  Gentlemen, the ayes carry."  Lincoln was superb at building a Team of Rivals*.

The third step is valuing and nurturing the difference, Vive Le Difference as the French would say.  Realize the forces at work.   Each segment will try to establish dominance over the other.  Each segment will retreat to a safe position.  A substantial atmosphere of a contest exists.   Every possible method is necessary to establish value in the difference and to overcome the above forces.  Each segment has to have as its mission to maintain the health and prosperity of the other segments.  The organization has to adopt the model of a mental health organization where each person has the responsibility to interact in such a way as to reinforce the value of the other people.  A definite value of inclusion and a definite value of preventing exclusion have to exist.

Lean Six Sigma may work in mono culture environments; however it will be far from optimum.   Lean Six Sigma has a purpose to create dissonance.  The accommodation of that dissonance is the process by which Lean Six Sigma makes improvements.   Well constructed and nurtured diversity is the precedent condition which allows Lean Six Sigma to work its magic.

*Doris Kearns Goodwin, A Team of Rivals:  The Political Genius of Abraham Lincoln, Simon & Schuster

How to Make Your Cold Calling Effective – 4 Examples of effective dialogue in cold calling!

How can we make cold calls "work" when we’re talking to someone we haven’t met, about something they may not need? Well, it’s really simple. First we look at how to relate to them rather than hoping they’ll relate to us and our solution.

When we approach cold calling with a question about what their needs are, potential clients respond much more readily to the idea of talking with us.

To help you with this, here are a few examples of dialogues within four very different industries.

Example: Staffing

In the staffing or recruiting industry, the goal is to call a company and identify whether they need help finding new staff.

The old cold calling approach is, "Hi. My name is... I’m with XYZ Staffing Company, and we offer these services. I’m just calling to..." And by that time, the person pretty much says, "We’re not interested," right?

With this new cold calling approach, the idea is to think about the problem you’re solving. The problem you’re solving is helping them find good people.

So I would start the conversation with, "Maybe you can help me out for a second?" And they usually say, "How can I help you?"

I reply, "I’m just calling to see if your company is still looking at finding good, quality employees to hire?"

The response to that is likely to be, "Well sure. Who’s this?" This is a normal response which we want to be ready for. I would simply say, "My name is Ari and I’m with XYZ Staffing Company and we help companies identify and find good people. I’m just calling to see if your company is in a situation now where you’re looking to hire and find new people."

Example: Software

Let’s say you’re in the software industry, and that you sell software to improve the productivity of an organization. What you want to do is focus on the problem that you solve specifically.

What most software salespeople do in cold calling is say, "Hi, we sell software to help improve productivity." But that doesn’t really identify the problem it solves. You have to focus specifically on an issue.

So, for instance, the software might solve a problem with lost paper-based documents. That’s a very specific issue.

In this case, I might call and say, "I’m just calling to see if your company is having issues with lost paperwork because of manual paper-based filing systems."

See how specific that is? It’s very directed to the problem in their world. This is in contrast to, "I want to see if your company is looking to buy some software or looking to improve productivity," or something similar.

Example: Advertising

Advertising is a very good example. Typically, what most advertising sales folks start with is an introduction. They talk about their advertising product or services that they offer.

But with our problem solving approach, the question becomes, "What does advertising solve for people?" The first thought usually is that it gets people leads.

It gets more branding.

Let’s go deeper than that. What do leads do for companies? Leads provide sales, right? So if I sell advertising, I might call and say, "Maybe you can help me out for a second. I’m just calling to see if your company is open to new ideas of generating leads for your business."

From this place, the discussion unfolds around their world, and not your advertising.

That’s the real shift in making cold calling relevant to their world.

Example: Collections

Another example is the collections industry. Typically, collection agencies call companies to see if they can be hired to collect invoices that are unpaid. They usually talk about their services as opposed to making their cold calling focus on the problem.

The client is looking to bring in more revenue from invoices that aren’t paid. So an approach might be, "Maybe you can help me out for a second?" The reply is once again, "Sure, how can I help you?"

"I’m just calling to see if your company is still having issues with unpaid invoices." And the response probably will be, "Well, yeah, we are. Who’s this?"

You can then respond in a very relaxed tone, "This is John. I’m with XYZ Collection Agency. I’m just calling to see if you’d be open to some new ideas on how to better solve that problem."

These are some examples of how to make your cold calling relevant to the other person and his or her needs. Practice this, and you’ll find that your cold calling conversations become more relaxed. You’ll no longer have to shift into an artificial "salesperson" role.

How Switchplates Can Turn a Room from Dreary to Dazzling in Seconds

There are no two people alike in the world, so no two people have the same taste.  Why is it then that the majority of homes have plain, white switchplates?

Switchplates have been around since the days of indoor electricity.  They cover an open area in a wall where a light switch is in place, making the area look neat as a pin as it covers the exposed wires, all while assisting in a hazard free area.  The originals were quite hideous, usually made of a boxy style wood block, not meant for any sort of decorative purpose at all, just for practical use.

We’ve certainly come a long way, as the days of your grandmother’s tarnished, brass switchplates, with the preamble to the constitution engraved on the top seem like a past dream (or nightmare) .  They can really be quite a beneficial art form, for everyone with electricity needs to have a switchplate for safety reasons, so why on earth would you want to have the same exact, boring one that everyone else has?

Traditionally, decorative switchplates have been found in children’s bedrooms, nurseries, and the occasional bathroom.  But why stop there?

There aren’t many things more boring than a plain, drab wall. A solid, eggshell-colored wall with a plain white switchplate - I need to get an espresso just for thinking about it.  You need a splash of color and some decorative art to give your home the character it needs - it should reflect the personality of its resident - it should reflect you. Why not combine the color and the art into a snazzy, un-boring switchplate cover?

A bathroom full of frogs or a kitchen accented with wine bottles and grapes can both easily have the finishing touch of a not boring switchplate.  If you can’t find the exact pattern to match what you already have, please, at least change the color of the switchplate to coordinate or compliment the rest of the room… don’t leave it white.

At any rate, switchplates are a quick, simple addition to turn a dull and dreary room into a dazzling den that’s as easy as flipping a switch.

Ebooks As Powerful Marketing Tools

Ebooks are part of the new frontier of cyberspace.

They are an entirely new medium for sharing marketing

information, ideas, techniques, and expert knowledge.

Each day the number of people accessing the Internet

grows, causing the exposure of your ebook to increase

incrementally. It's obvious why electronic

self-publishing has become so popular so quickly.

The publishing industry, I hope, does not intend to

forever banish the printed word to the dustbin of

history. Books in print have their own special

qualities and merits, and the world would be

diminished by their disappearance.

Having said that, let's look at what makes ebooks so

important and so unique. Ebooks have certain abilities

and qualities that other mediums do not possess.

For example, ebooks are fairly easy to produce, and

their production cost is inexpensive. Just think about

it: you don't need a publisher, an agent, a printing

press, offset film, ink, paper, or even a distributor.

You just need a great concept, the ability to write it

or to hire a writer, and the right software.

Additionally, ebooks are easily and rapidly

distributed online. They are also easily updated; they

do not require a second print run. All you need is to

go into your original creation and modify the text or

graphics. Because of this flexibility, ebooks can

change and grow as fast as you can type.

Ebooks are also immediately obtainable. You don't have

to go to a bookstore or search through endless titles

at an online bookstore. All you have to do is download

it from a website, and presto! It's on your computer,

ready to be read.

Ebooks are interactive. This is one of the most unique

and specific qualities that ebooks offer. You can add

surveys that need to be filled out, order forms for

customers to purchase your products or goods, sound

and video that draw your reader into the virtual world

of your ebook, even direct links to relevant sites

that will expand your ebook outward. The potential is

virtually limitless.

Ebooks have a particular kind of permanence that other

mediums do not possess. Television shows and radio

shows air once, and then may rerun a few times. Ebooks

remain on your computer for as long as your choose,

and they can be read and reread whenever you choose

to. They can even be printed out and stored on the

shelves of your traditional home library.

Another wonderful quality is that ebooks have no

barriers in terms of publishing. You don't need to go

through the endless process of submitting your

manuscript over and over again, and then once you land

an agent, having the agent submit your manuscript over

and over again. Nor do you have to shell out thousands

of dollars for printing a self-published book. All

ebooks require is a writer and appropriate software.

Figure out your market, write your book, post it on

your website, and with the right business savvy, your

audience will come to you.

Finally, you have creative control over your ebook.

You don?t have to compromise with an editor or the

publishing trends of the time. You don't have to

haggle with a designer or wait for copyedited galleys

to arrive by snail mail. You are in complete control

of the design and the text.

How to Use ebooks for Marketing and Promotion

There are innumerable ways to use ebooks to promote

your business and drive quality traffic to your

website. Once posted on your site, you can turn them

into a daily course, which brings your customer back

to read the next chapter. You can use them as a free

gift for making a purchase or for filling out a

survey. Put your ebook on a disc, and you will have an

innovative brochure. Blow your competition away by

inserting the disc into your sales packages.

The most effective marketing products are those that

are unique. Copyright your ebook, and immediately, you

have a powerful tool that you, and you alone, can

offer to the public. People will have to visit your

site to acquire your ebook, which increases the flow

of quality traffic and the potential of sales and

affiliate contacts.

Make sure that you keep your ebook current. Update it

frequently as the market and trends change. Add new

advice and techniques to show your prospects how your

goods or services can enrich their lives. By

constantly keeping abreast of new trends and

techniques, you can continue to see profits from your

ebook for years after your original creation.

Another phenomenal advantage of ebooks is that you can

test their marketing potential without putting out

hardly any cash at all. You can even produce an ebook

one copy at a time, each time you receive an order,

eliminating the need for storage and inventory. By

this method, you can gauge the saleablity of your

ebook, and make adjustments as necessary until the

orders start pouring in. Ebooks allow you to learn

about your market and customer habits and motivation

over a period of time, without risking your precious

financial resources. They also provide you with an

invaluable way to gather marketing information, which

you can use in many different facets of your business.

Use your ebook to discover what the specific goals and

problems are in your specific industry. Then figure

out how to solve these problems, and publish an ebook

with this invaluable information. This will increase

the value of your business, upgrade your reputation,

and get you known as an expert in your field.

You can extend the value of single ebook by breaking

the book down into chapters for a serial course, into

special reports available on your website, or into

audio or visual tapes. Ebooks can be broken down into

several different promotional materials by excepting

some of the articles and using them to promote your

product. You can include a catalog in your ebook to

promote all the products or services you sell. You can

include a thank-you note for reading your book and an

invitation to download a trial version of your

product. Or you can include a form for your audience

to contact you for further information or with

questions, thereby building your business

relationships and your mailing list.

Using ebooks in this manner helps to cut the cost of

individually producing separate promotional materials.

You can use a single ebook to entice new prospects and

to sell new products to your current customers.

No other medium has this kind of flexibility and

ability for expansion. Think of your ebook like a

spider spinning a beautiful and intricate web. Now go

and create that web, and see how many customers and

prospects you can catch!