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Miami Real Estate

Miami is currently one of the richest real estate area in the United States. Buying a property there will allow you live near the most famous beaches in the world, and in the same time you will be enjoying the urban comforts that a city can offer you.

The Miami Real Estate recently received a boost from the constructions made by some of the most notable real estate investors, like Donald Trump plus many others. If you are looking to take luxury living to the next level you should definitely buy Miami Beach Condos.

Just imagine the benefits that you will get by living in such a Miami Beach Condo. You will have the opportunity to spend your time on world's most famous beaches, do shopping, and join high quality restaurants just by walking a short distance from your condo. Another great thing is the view that your new condo is going to give you.

The city has changed a lot in the last 10 years, thanks to the premium real estate investment made there, right now the city is full of life. Its population has grown significantly during the last years. Be happy, enjoy life, your first step to happiness could be buying a Miami Beach Condo.

Miami is famous for the beaches, the nightlife, the history, the style, and can be a perfect destination for anyone. You will have the opportunity to purchase some modest condos or ultra luxury condos. No matter what you are after, living there it's going to make your life a dream. Just imagine the glamorous life style that this city is going to offer you. This is the reason why many Hollywood celebrities love Miami.

Arranging Furniture Storage

Sometimes, there isn't enough room for all of your belongings – and arranging storage, on top of moving can be a blessing in disguise – or a nightmare.  So you need another, convenient, cheap option for your furniture.

Storage companies are basically large warehouses or lockups that you can rent – and range in size from a box room to an area large enough to store a complete house.

Storage is great if you're needing to move out of one house before your other hoese is ready – or when you've sold your old house but haven't finished arranging the new one.  It saves the you having to work out what to do with your things.

It's also a good idea when you have too much furniture for your new house, and no where to store it yourself – and while garages and basements are great for short term storage, they aren't protected, in some cases against the elements, nor, possibly insured against accidents, such as fires or flood.  Garages and basements also, while accessible, may also need to be used for other things.

It is possible for your belongings to be damaged in storage, but highly unlikely – you'll be given a list of belongings that you're checking in – and you should check at that time that everything is secure, sealed and stacked or placed well.

If you're moving long distance, its always good to research, throughly, by phone and if possible, in person, how much access you'll have to your furniture, and belongings, and what sort of notice you need to give – you'll also need to work out what is going into storage and how much space you'll need for it all.

If you're unsure of storage companies, and you're using a removal company – ask them – they may have a group of storage companies they deal with, and offer you a better premium than you may otherwise get.  It also means that you've got less research to deal with.

Avoid the Hassles of Online Business Start-up with a Turn Key, Automated Home Based Business

Many people want to start a home business, but never do because of the hassles and start-up costs. As with any new business, a home based business can have unforeseen expenses and problems. There's also usually a waiting period of at least a year before profits can be realized. But with a turn key, automated home based business, many of these hassles can be eliminated. You can make money from home without the initial hassles of running a business. Let's see how a turn key business works to your advantage.

Make Fewer Cold Calls and Get Better Results

Cold calling, the old way, has to be the most painful form of sales work you can experience. There’s a lot of rejection, fear, and deflated hopes.

But there’s a new way to make cold calling as pleasant and relaxed as picking up the phone and talking to a friend. Just follow these steps, and your cold calls can become an enjoyable part of your day.

1. Rip Up Your Sales Script and Start a Conversation

If you’ve been selling for a while, you’ve probably used a sales script. Perhaps using a script is the only way you know to start a cold call.

But people can almost always tell when you're reading from a script, even if you think you’re pretty good at it. There's just nothing personal about it, and people pick up on that.

A script isn’t a conversation. It’s a linear process designed to move the other person toward a sale. You’re not having a real dialogue when you’re using a script. So nothing is "real" about the whole encounter.

A conversation, on the other hand, is a living, breathing relationship. You’re two real people, talking normally and naturally.

So when you’re just being yourself, the other person’s walls can come down. Because you’re not coming at them with one-way sales strategy. So your cold calls typically last longer. You’ll make fewer calls, and have better results.

2. From "Dreaded Salesperson" to Trusted Advisor

The old cold calling strategies teach you to polarize the roles of buyer and seller. You’re trying to coax "prospects" into buying your product. You’re not thinking about their world – their budget, problems, or time constraints. You’ve been taught to think about the sale.

Well, suppose you were to focus instead on the things that matter to the other person. For example, their problems. What if you were to become a problem solver?

That’s exactly the place you want to be when making your cold calls. Imagine approaching someone with the idea of finding out whether you can help solve a problem. Imagine the kind of attitude this would convey to the other person.

You’re no longer trying to persuade. You’re not even thinking about the sale. You’re thinking about whether you can help someone solve a problem. You’re relaxed, comfortable, and authentic.

When you make your cold calls this way, you’ll find that others will engage you more. And you’ll also be able to really enjoy what you’re doing.

3. Gain the Respect You Deserve – Stop Pushing and Chasing

The old-school sales gurus teach the essentially the same approach. "Focus on closing the sale. Keep pushing forward. Overcome objections. Your job is to turn every no into a yes."

Persuading and coaxing has always been considered a normal and necessary part of cold calling. But it’s rooted in a kind of macho selling image. If you don't keep pushing, it means you're giving up. So you keep trying to move things forward, and you keep "chasing" with follow-up calls.

Even when your focus is on solving a problem for the other person, you can be coaxing and cajoling. But if you do this, how can you become the trusted advisor I spoke about earlier?

It’s really simple. Just let go of your attachment to the sale. When you do this, you can relax into being the professional that you are.

When you stop focusing on getting the sale, you can become a trusted resource. You’re no longer chasing, pushing, and cajoling. You’re helping. And that makes a world of difference in how people respond to you.

Follow these guidelines, and cold calling can become surprisingly enjoyable. You’ll find yourself spending much more time with each person. You’ll also see more positive results, whether or not a sale unfolds. Others will tend to respond to you more graciously. And your whole cold calling experience can become a pleasant one.

Working With The New Generation

I've heard them called by many names as of late: Generation Y, Gen Y, The Plug-and-Play Generation, The Gotta-Feel-Good Generation. What they're all referring to is the new young generation - our current 20-somethings. Every generation "deals" with the generation who comes after them. Their different views, their different ways of doing things, and so on; this generation is no exception.

Why is everyone talking about this new generation now though? They've been coming along for years. They're in their 20's now, after all! Because now they're starting to impact the workforce and because we couldn't predict their group characteristics until we saw them in action. In some ways they're changing the landscape for the better, in some ways we oldies would say for the worse.

Regardless of the nostalgia we feel for the "old days" this generation is plunging headlong into the workforce and will impact you and your business at some point. There's really no sense fighting it. No generation has ever changed the generation which came after it; not once that generation reached its 20's anyway. These are the kids we raised and we did raise them this way, so let's figure out how to work with them. To work with them we first need to understand them.

What makes this generation tick (or turn off) and what is the impact on businesses looking to hire them?

Problem: They're not called The Plug-and-Play Generation for nothing. This generation grew up on video games and television while their parents were out working and making (what they viewed as) better lives for their families. This led to a whole generation of children, now entering the workforce, who need instant gratification in whatever it is they do. Whether its work or play, the satisfaction must be immediate.

Solution: What this means to the business owner looking to hire qualified workers is that you need to be diligent in assigning tasks to (or rather asking the worker if they'd be happy to do the tasks) that they enjoy doing. You must challenge this generation to the capacity in which they want to be challenged.

Problem: This generation waits for nothing and no one. If they don't like the game, they find a new game to play and new people to play it with - now - not tomorrow or next week. Simple as that. Think pulling the PS2 game out of the player and inserting one they think they may like better.

Solution: This goes back to speed again. They're used to moving at the speed of the internet, not the speed of the horseless carriage. You're going to have to give this generation what it's looking for or prepare to lose them. Regular check-ins individually to gauge their interest and excitement is critical to keeping this generation happy and working for you.

Problem: The Generation Y's demand that they feel good about what they're doing. If they don't feel good about it, they're not going to do it. Again, simple as that and no amount of money will convince them otherwise. Remember: they watched their parents work and work and work to earn a few extra bucks and what did it get them? Absentee parents who were rich. This generation wants quality, not necessarily quantity.

Solution: Sometimes the work just isn't all that gratifying. However, you can combat that by showing your gratitude in the work being done. Often the sheer pleasure of helping someone else and that person being grateful is enough for the worker to receive the gratification they need.

Problem: The generation of ADD. Oh yes, this is where ADD became popular. The Gen Y's are not going to pay attention for long. They want their information fast and to the point.

Solution: Don't waste time with long drawn out memos and information. Just shoot it straight and fast!

Problem: A recent study suggested that the average tenure in a job for Generation Y's is 18 months. Wow, what happened to life, or even a few years? Unfortunately those days are but a memory. As older workers retire and leave the workforce, we're left with the generation we raised and we need to count on them to fill the open positions within our companies. Remember again that this generation watched their parents stick in jobs for life, only to be spat out by the very corporations and unions who claimed they'd protect them - when they were juuuuuusssst about to collect that pension. The Generation Y's aren't going to hang around to let that happen to them.

Solution: There's no changing this generation's stick ability. So as a business owner you have two options: 1) Make the work enjoyable or 2) Prepare in advance for every single worker's eventual departure. If you opt with number 1, you need to figure out what it is that makes each and every one of your workers happy. They must be regarded as the individuals they are and with their own set of needs and instructions. Prepare to meet those needs or move on to number 2: The most crucial thing any business owner can do is to have instructions written for every task that is performed within their company. Put all those instructions in a safe place and hang on to them so you can pass them on to the worker's successor. In staffing, one of the biggest complaints we hear from clients is the need to retrain the next person. I'm sorry - that's the way it is nowadays. We train and we retrain and we need to be ready for it.

Problem: Lack of office etiquette. Check out this recent article on Yahoo! News about modern office etiquette (and lack of it) http://finance.yahoo.com/expert/article/careerist/40342. Unfortunately, as the article suggests, the new generation may not even know they're breaking the rules! Etiquette in their world is far different than that of other generations.

Solution: As my husband and business partner says, "But wrong is still wrong and right is still right". However, with the internet and a new generation, is this perhaps the new "right". Maybe, maybe not. If most families are dysfunctional, doesn't dysfunction become the new "normal"? Unfortunately I think the new generation has us beat in sheer numbers folks. In this writer's opinion there's not much we can do but learn to deal.

Problem: As another article http://finance.yahoo.com/expert/article/careerist/38889 on Gen Y's by Penelope Trunk suggests: "They won't play the face-time game." That means they're not going to sit in the office just to make you happy. They know that work can be done from home (or from the beach) just as well as it can be done sitting in the office.

Solution: Let 'em work from home! Why not!? Working from home offers the ultimate in flexibility (something this generation demands) and helps keep this generation of workers happy and working for you.

As a virtual staffing agency, we deal with the same things as you do day in and day out. We're not immune to the caveats of Generation Y. We deal with the unique issues of this generation through increased back end staff which checks in with and coaches our virtual assistants regularly. We also take great pains to make good matches between clients and virtual assistants and quickly offer to change assignments if it doesn't "feel right" for the virtual assistant.

Yes, this (generation's issues) results in a higher turnover of virtual assistants but no higher than what you'd experience in the bricks and mortar world. In many respects we shield our clients from the impacts of turnover by quickly locating new help, interviewing and screening for the right skills and attitude. But even as a virtual staffing agency, we still can't change a generation or their attitudes so we can't stop the turnover - we can help our clients get through the turnover.

Even with a high-turnover generation, companies can still benefit from all of the pluses of virtual assistance and virtual staffing. The cost savings over hourly in-office staff still exist; office politics is still absent; the speed of bringing in additional help is still present; the benefits of not having someone sitting in your office holds ground; start up capitol needed (desks, computers, phone lines) of hiring help is not a concern; and ultimate flexibility still exists.

In many ways, hiring virtually is a great way to deal with the issues businesses must face with this generation. This generation wants flexibility. Working virtually offers the ultimate in flexibility, which helps keep the generation happy. Virtual staffing fits this generation like a glove and is one of the best ways to put them to work for you.

If you'd like more information on how to set up a virtual office, please check our article at http://teamdoubleclick.com/news/free_articles/SetupYourVirtOffice.html.

A Podium is No Place for a Projector

Remember the days when presentations before an audience consisted of boring lectures told from a podium while someone clicked slides or moved transparencies?  The world has changed.  Both in education and business, presentations are now more visual, more interesting, more dynamic.

And the furniture industry has jumped on board.  No longer do you need a second person to run that Power Point projector for you. No more turning around to make sure he/she switched the slides at the right time.  You can do it all yourself with a projector cart—something no university lecture hall, conference center, or meeting room should be without.

So what exactly is a projector cart?  We found an excellently designed projector cart from Versa Tables, called the Projector Fusion Laptop Cart.  Available in two colors and for under $300, the Projector Fusion Laptop Cart provides four distinct surfaces designed to help you keep your presentation organized.  The first is an adjustable, pole-mounted laptop tray with a raised lip and locking mechanism to keep your laptop securely where it should be—at your fingertips!  Adjust the laptop for your most comfortable standing or seated height and control the laptop yourself.  In addition, the cart also offers three more adjustable platforms constructed from high-density wood; ideal for holding a projector, printed handouts, visual aids, and more.  The frame is made of scratch-resistant steel and the entire cart is mounted on liquid-ease rolling casters.  The casters also lock, keeping your cart in place even on uneven surfaces.

Base storage trays and cable management units can be added for a nominal charge giving you even more storage space and easier cable organization.  The carts fit easily into a closet or storage space when not in use.  The platforms can be added or removed as needed and adjust independently, giving the user the option to customize according to the needs of his/her presentation.  The platforms, as well as the laptop tray, also rotate around the core pole, so they're perfect for right-handers or left-handers.

Show the speakers you invite to your venue that you care about their comfort by providing them with everything they need to give a successful presentation.

Podiums are great for debates, but with today's business and education trends leaning toward the visual, a laptop fusion cart is perfect for any speaker.  They're also ideal for trade shows, medical offices, and retail stores.

Several manufacturers of computer furniture are now offering similar products, but Versa Tables' Projector Laptop Fusion Cart carries Versa's no-hassle, lifetime warranty, and ships for absolutely free to any customer in the contiguous United States.  Versa also offers a quantity discount on this product—like all of their products—which is a great bonus for institutions like hotels, conference centers and universities which need to furnish multiple lecture halls or meeting rooms.

Available in Warm Gray or Black River, the colors are pleasing to the eye.  An additional pole-mounted monitor arm can be added for a fee, but the cart is truly functional without it.

Cafeteria Benefits and Your Workforce

Especially if you happen to be one of those unflinchingly ambitious micro-business entrepreneurs, I’ve been reading about everyday in pubs like Crain’s Chicago Business, you’ll eventually find that designing and offering up an attractive employee-benefits package will be an essential component of your future growth. An attractive health plan will do just that – attract – helping you recruit and retain crucial employees (meaning those fought over creative class/knowledge worker types Richard Florida is always yammering about). You’ll also find that a generous group plan will help link your employees' interests to your concern’s.

That said, there are a seemingly unlimited number of group benefits options to consider. One that you’ll want to move to the top of your list is a Cafeteria Plan. The cafeteria brand of benefit plan can add a lot freedom to a employee compensation package, allowing your workforce to choose benefits options ala carte, if you will – selecting only the benefit options they’re most interested in.

Perhaps I should start closer to the beginning … cafeteria plans, also known as the flexible spending account, the choice spending account or the section 125 plan, have become increasingly popular over the last few years because they’re designed to offer employees a truly convenient way to pay medical expenses with pre-tax dollars; relieving them of the burden of federal, and state taxes.

To take advantage of a flexible spending account, eligible employees set aside a pre-designated amount each year, in order to pay for medical expenses aren’t already eligible for coverage. The two most common types of flexible-spending accounts are dependent care reimbursement (also known as DCRAs) and health care reimbursement accounts. Employees pay for non-reimbursed expenses from these accounts. Unfortunately, flexible-spending accounts are "use-it-or-lose-it" accounts; meaning that any funds leftover at the end of the year can’t be “rolled over,” so to speak.

Exceptions To Those Limits Apply to Key Employees

Typically, funds set aside in a cafeteria plan's flexible-spending account are exempt from income, payroll, and unemployment taxes. This exemption generally also applies to payroll and unemployment taxes paid on behalf of employees. (Take a look at IRS Pub. 15-B for exceptions, including treatment of highly compensated employees and certain shareholders of Subchapter S Corporation’s.)

Premiums paid to a group life benefits policy are typically exempt from income and unemployment taxes. In addition, premiums paid for up to $50,000.00 of benefits coverage per employee tend to be exempt from payroll taxes. For additional details, see IRS Publication 15-B.

You see, cafeteria plans offer you some versatility in putting together a benefits plan for your workforce. There are other categories of fringe benefits that you can offer your employees in a cafeteria plan that may be excluded from taxable income under IRS benefit-exclusion rules. Using a flexible-spending account -- namely, establishing a DCRA and HCRA -- may help to jump-start a cafeteria plan for your workforce. If you maintain a cafeteria plan, the IRS requires you to complete IRS Form 5500.

To help you keep track of employment-related costs, the U.S. Bureau of Labor Statistics (BLS) publishes a quarterly statistic called the employment cost index. The cost index measures changes in employee-compensation costs, which include salaries, wages, and benefits. In addition to publishing the quarterly cost index, BLS publishes an annual survey of compensation costs.

One last thing … the information above is practically for entertainment purposes and shouldn’t be interpreted as financial advice. For advice specific to your firm’s circumstances, don’t hesitate get advice from a financial, tax or benefits consultant.  You may even want to flat out hire an Interim benefits consultant or a full service benefits consulting firm. There are also a number of good sources of information on the Web you can take advantage of. The Employee Benefits Research Institute (EBRI), International Foundation of Employee Benefit Plans (IFEBP), and American Benefits Council are independent sources of truly “actionable” employee-benefit plan information.

Buzzquotes – Your Source for the Best Insurance Leads on the Web!

Quick update! Buzzquotes is a company we reviewed a few years back. They started off with excellent ratings, and then dropped a bit. But now they are back on the radar. You can find out for yourself by filling out their information request form. They will send you free information on their lead generation programs. We are very impressed with their customer service, and they are excellent at lead generation. Leads they provide: Auto Insurance, Homeowners Insurance, Health Insurance and Life Insurance.

"This lead resulted in a $25,000 annuity sale on the first appointment. My commission on this sale was enough to pay for 100 leads." - John W.

"It is much easier to leave the home with a check when the potential client is ready to buy. That is what buzzquotes.com gives the agent, a client that is done shopping and ready to buy." - Ben P.

"Sold another one! Out of about 16 leads so far, I've sold 4 that have yielded approximately $6700 in first year commissions. Great return on investment!" - Mark R.

"One appointment close. Good, easy sale." - Matt R.

"I have been using buzzquotes since last November (2006). I have sold 20 policies for 36 leads since november. If the info on the lead is correct I have a better than 50/50 chance to sell them. Part of my success is quality companies that I represent, part is my ability, and part is the excellent leads from buzzquotes.com. Thank you very much" - Adam F.

"This was my first one million dollar term insurance policy I have sold! Thanks to buzzquotes." - Lance V.

"Sold $500,000 term life policy. Picking up $45,000 SPDA next month from maturing CD's, plus three Roth IRA's. Will write additional $250,000 of life in February after birth of baby, and are starting discussion of voluntary, payroll deducted retirement plan for 200 employees. Great results from one lead." - Dick L.

"I sold a policy on the husband and wife and got two referrals." - Bradley W.

"Thanks buzzquotes the leads are great, keep 'em coming!" - Shawn B.

"Sold a pair of Health policies, replacing their old Health plans. Buzzquotes led me to a knowledgeable consumer whom I closed 2 days after getting the e-mail. Way to go!" - Jason C.

"Thanks for this lead. I was able to help this prospect obtain life insurance to fund his business buy-sell agreement. Thanks." - Lucy C.

You can buy any type of Insurance leads. Auto Insurance, Homeowners Insurance, Health Insurance and Life Insurance.  You pay as you go, and they do not have time commitments or sign up fees. That's always good.

Buzzquotes philosphy of providing leads to no more than 3 industry professionals in any area keeps the competition down, they are not spread to thin, and their leads produce results. So, you should give them a test drive. To get more information from buzzquotes fill out this no obligation form, and they will email you a free info pack.

The only way to know for sure if buzzquotes is the right choice is to give them a shot. Buy a few leads, and if they are not what you wanted in a lead generation company, try another one. We are getting great feedback, and they have been very consistent.

The Art and Science of Marketing Online

With the hundreds of millions of websites populating the Internet, it's a challenge to carve out a niche and drive traffic to your site. You can certainly spend thousands or tens of thousands of dollars in pay-per-click advertising, but unless you the CEO of a huge company, you'll never get a return on your investment. In particular, homebased business owners rarely experience success with pay-per-click advertising, primarily because they don't have the money to purchase the number of hits they need to make their businesses profitable.

Luckily, there are many methods of marketing online that don't require a huge investment. In fact, experts generate leads and sales using a variety of tactics. Success lies either in learning how to use these methods yourself, or in networking with experienced marketers and having them implement a system for you.

Many people choose to pursue an opportunity that brings together a cadre of experts who understand both the art and science of marketing online. In this way, homebased website owners don't have to go through the nightmare of trial and error in order to find the best online marketing methods. Instead, they can concentrate on promoting their websites in other ways and, hopefully, create wealth in the process.

These multi-level marketing (or MLM) opportunities generally offer distributorships that are essentially replicating websites. The opportunity usually consists of a product and a suite of marketing efforts that are performed on your behalf. For example, six different companies may provide six different services. One company might design an advertising banner for you and place it on sites that are viewed by the people who are most likely to visit your website. Another company may write an email advertisement for you and distribute it to a hundred thousand people, half of whom will click on the hyperlink to your site. A third expert might implement a ezine advertising campaign on your behalf, while a fourth might endorse your website and send his endorsement to his own opt-in email list.

The theory behind this type of marketing online is that pooled resources produce greater results and more success. When every person in the networking system contributes to the pool, more leads are generated and each person receives more traffic to their website. In other words, the money is leveraged to everyone's best advantage.

Income generation - and in many cases, wealth - is also accomplished through an MLM-like compensation plan. For example, if you were to sign up for the program, the majority of the money you pay would go to your distributor, as would the money paid by your first referral. After that, you would receive the money from your referrals, as well as the money generated from your downline's first referral. Given that the efforts spent marketing online generate leads, and some of those leads convert to sales, the system is set up to pay out quickly and efficiently. Best of all, you don't have to be a marketing expert to make it work, which exponentially increases the chances of your success.

Why Do Marketers Love The Reverse Funnel System?

Simply because the Reverse Funnel System does exactly what it’s suppose to do.  The Reverse funnel system is an expert system designed by expert internet marketers to automate the building of a highly profitable internet business.

The reverse funnel system allows entrepreneurs and marketers to do nothing other then focus on traffic generation.  That way you don’t have to spend countless money, hours, and time developing offers that can prove to convert at a decent rate.

The reverse funnel system has ALL of that created for you.  That’s why the reverse funnel system is breaking records throughout the internet marketing community.

There has NEVER been a system designed that converts as high as this system does.  The entire system was designed by expert copywriters, for over $25,000 per page.  This system has allowed average people to take advantage of systems, copywriting, and a funnel process that they normally never would have access too.

Because of this, many entrepreneurs from all over the world have created more full time income from home using highly converting systems like this then has ever existed before.  Any one who is truly interested in marketing, needs to focus their attention on marketing a funnel that CONVERTS the highest based on the traffic you run through that funnel.

This simple equation is the key to getting paid the most for what your effort and energy is worth.  If you affiliate marketers and entrepreneurs keep promoting products that have low conversions and low commissions, they will continue to limit the amount they could actually be making for that same marketing effort.