O F F L I N EM A G A Z I N E

IS YOUR BUSINESS SAFE?

ELIMINATING OBJECTIONS TO INCREASE SALES5 Good Reasons to Incorporate Your Business Online

The Business Of Factoring & How It Works

A GUIDE TO INVESTING

Creating a Business Strategy

3 Easy Ways To Make

More Money This Year

Deepening Our

Discipline

DEBT ELIMINATION

CONTStuff we put load of effort into2 Pieces To The Puzzle Of Organizational Change

Is Your Business Safe?

It's Your Passion Don't Forget about it; If You want a Successful Home Based Business

The Business Of Factoring & How It Works

Network Marketing: Is It a Home-Based Business?

3 Easy Ways To Make More Money This Year

Your Existing Clients. How a few Clicks & Good Response Time will Save You!

5 Good Reasons to Incorporate Your Business Online

Creating a Business Strategy

Deepening Our Discipline

7 Ways To Sky Rocket Your Google AdWords Revenue

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OFFLINE MAGAZINE

2 Pieces To The Puzzle Of Organizational Change

Is Your Business Safe?

It's Your Passion Don't Forget about it; If You want a Successful Home Based Business

The Business Of Factoring & How It Works

Network Marketing: Is It a Home-Based Business?

3 Easy Ways To Make More Money This Year

Your Existing Clients. How a few Clicks & Good Response Time will Save You!

5 Good Reasons to Incorporate Your Business Online

Creating a Business Strategy

Deepening Our Discipline

7 Ways To Sky Rocket Your Google AdWords Revenue

CONTOFFLINE MAGAZINE

Stuff we put load of effort intoA Beautiful Plan – Maintaining a Down Line with

RFSA Guide To Investing

3 Easy Ways To Brand Your Small Business NameCustomer Loyalty

Deals – The Ideal Business DealDebt Elimination 1

E-Commerce Business – Proceed With CautionEarn Money at Home with Unique Home

Employment OpportunitiesEditors Help Business People Do the 'Write' Thing

Eight No Cost Ways to Market Your BusinessEliminating Objections to Increase Sales

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Editor’s NoteWelcome to this month’s issue of our magazine. This month we bring you some great new articles that will help you fast track your goals and success.

We work hard to put together each issue of this magazine and welcome the feedback and contributions from all our loyal readers.

A publication like this would not be possible without the support of our valued advertisers who provide relevant products and services for our readership. Please visit our sponsors as they know what you need to help you with all your endeavours.

Lastly I’d like to congratulate you for investing your time to educate yourself by reading this magazine. We are proud to be able to help all our readers, and look forward to serving you for many years to come.

Regards,

The Editor

2 Pieces To The Puzzle Of

Another concept closely associated with Forcefield Analysis is what Lewin called the Three-Step Model of Change. He believed change required three steps: unfreezing the current situation, moving, and then refreezing the new situation (a new status quo). At first glance, this may appear to be obvious and simplistic. But the steps are very important.

The OC consultant must first help the organization to see the dysfunctionality (ineffectiveness) of the current situation. Remember, we are dealing with some organizational members who benefit from the current status quo.

To move the organization or the unit (to change behavior) requires a planned intervention. This will be a time of insecurity and fear for many organizational members. Fortunately, there are many structured interventions available to OC consultants. I cover interventions in Part II of my book, “Strategic Organizational Change.”

In step three, Lewin said we must "refreeze" the situation. In practice, I have found this step to be essential. In order to get the change to hold, there must be a supportive environment for the change. This means management must commit resources and reward desired behaviors; otherwise, the organizational members will slip back into their old, comfortable ways of doing things.

Anthony Buono has correctly added, "There is a significant difference between dealing with the type of episodic, discontinuous change that Lewin referred to in 1947, when he created this model (dealing, in essence, with organizational inertia), and the type of ongoing, overlapping, continuous change that is happening today." I expound on Professor Buono's comments in my chapter on Leading Change.

Kurt Lewin, the consummate applied social scientist, is responsible for giving us three of the ten concepts that support effective OC practice: Forcefield Analysis, The Three-Stage Model of Change, and the Action Research Model. I will cover the first two concepts in this article

Lewin's first concept, and practice tool, is called Forcefield Analysis. Lewin believed every organizational situation, no matter how dysfunctional, benefits someone. I have found this concept and tool to be very effective in Organizational Change practice.

Lewin believed the status quo is a result of driving forces and resisting forces. Driving forces are pushing or "driving" for change. Resisting forces exist because some parties benefit from the current situation, or status quo. Thus, the status quo is the result of the strengths of the two opposing forces.

In practice, Lewin recommended working to reduce the resisting forces, instead of increasing the driving forces. He believed simply increasing the driving forces would result in an escalation in the resisting forces against the change. The parties resisting change (supporting the status quo) are usually highly motivated.

ORGANIZATIONAL CHANGE

Is Your Business Safe?OM 5

It can be tough out there trying to be successful with a home based business of your own. Everyone keeps telling you, "Follow your Passion and you'll find your Profits". But everyone, still, wants to start their home based business as an Internet Marketer or sell people on the general idea of How To make money at home.

Yet, you are still learning, and it makes it hard for you to compete. You're frustrated and you want to give up, but you need money and you want to succeed. You can't give up...So Don't!

You say, Kenney, my heart or passion is in insects, or collecting buttons, golf, or putting together model trains, or whatever it is. I can't make real money doing that. There's no hype in that. I can't start a home based business with that. Yes, You Can! Nothing is new under the sun. You've heard that before too right? There's a lot of truth in these old sayings. You're not the only one who loves what you love. Thousands, if not tens or hundreds of thousands, maybe even millions of people love that too. When you love to do something and you're passionate about it, then you'll give it all you have. That's what it takes to succeed is a home based business.

People listen or buy based on emotion. You've heard the saying he/she could sell sand in a desert, ice to an Eskimo, or water to a fish? I have listened to these old sayings and they have helped me to see success.

So back to what I was saying, they can sell that good, and it seems natural for them because they are just talking about something they love, to who will listen. Which in turn results in a sale.

Follow your dreams, work in your passion, use the power of the Internet, newspaper, or magazine to tell people about what you love. They will listen because they will see the emotion in what you do. People by nature are empathetic. They will listen if you are passionate. You'll touch their emotions, they will buy, and become everlasting customers. I'm not saying

that you don't need to learn anything about Internet Marketing or advertising for your home based business. You do! You have to study how to market or advertise to find the people you're looking for and the best ways to package your product... But when you find them, or they find you, just relax and tell them

about what you love.

What would you do if you could do anything else in the world? Do it and make money from home with your home based business doing it. Then, show others how to make money from home in your targeted field.

Well, is it! Do you back up your files on a regular basis? Do you have a back up plan in place? What’s important to your business and what isn’t? What happens if you get hurt, who will run your business? Do you have customers come to your business? What if they get hurt, are you covered? What about all the equipment you have, is it covered?

These are all questions a home based business owner, (in fact, any business owner) should have answers to and plans in place for.

You must have a system in place to back up your files. Since most of us use computers today, be sure you back up at least once a week. If you really want to be efficient and make it easy on yourself, get a Maxtor hard drive with the one button back up feature. For less than $200, you can not afford to be without one if you have a lot of files. If you don’t have that many files then a Zip drive will suffice. We have an I-Omega that cost us only $70.

As a business owner you also need to have disability insurance. So if you get hurt you are covered until you are up and running again. There are number of companies that deal specifically in disability insurance. I would suggest however you check them out carefully, and ask to speak to long time customers for references. You want to be sure they pay when you need them to without having to go through hoops, or canceling your coverage afterwards.

And most important is an insurance policy. The best home business policy we have found is by Hartford Insurance. They have a policy specifically for home based businesses. They cover everything. Obviously cost will depend on the limits you set. This is the best policy we have found out there. For those of you that are AARP members you can call 1-888-466-9675 to inquire about this program. By the way, if you are 50 and over becoming a AARP member is a must.

If you want to keep your business and yourself safe be sure to implement the procedures outlined. Believe us, you will be glad you did.

IT'S YOUR PASSION DON'T FORGET ABOUT IT; IF YOU

WANT A SUCCESSFUL HOME

OM 6

Ok, you say what should I back up? Anything that is important to you. Your customer database, templates you use on a consistent basis. If you are like us and sell e-manuals, and books, you need to have them backed up. We have all of our products backed up on disk, CD, and a mirror copy of our hard drive. We back up once a week. We use the Maxtor drive with one button back up. However, if I am working on a project, I back it up every time I make a change. In fact, whenever I am working during the day I use a working disk that I save to in addition to saving on my hard disk. When I save a document I am working on, I then go to save as and save it on my disk drive. This avoids not having an up to date document if my computer crashes. So your backup would consist of files you use a lot, customer database, your products, and anything else that is imperative to keeping your business up and running.

Now what do you do with these back ups. Well, if you are smart you have a Safe that is fireproof, and you put your disk and hard disk back ups in the Safe. When you do your weekly back ups you pull them out and just overwrite them. If you haven’t made any changes on your product disks then you don’t have to do them. You want to be sure your Safe is fireproof for at least 2 hours. We have a Sentry Safe. While not an inexpensive business expense, it is a very important one. Depending on how much you need to put in a Safe cost will vary. In addition to having back ups in your Safe, you should also have a set of back ups that are located off site. For example, a safety deposit box is a great place for back up copies, important papers etc.

Back up anything that is important to you—customer

database, templates you use on a consistent basis.

The Business Of Factoring & How

It WorksFactoring, also known as accounts receivable factoring, is a business term used to describe a method in which companies sell their outstanding receivable invoices in order to gain immediate cash for their business. When a company sells a product or service, an invoice is created stating the amount due and the number of days in which the invoice must be paid. This invoice instantly becomes a part of accounts receivable, which is money that is owed to a business. After the invoice is generated, it must be sent to the customer and the business must wait for the specified amount of time before that invoice is paid. Often times, for reasons of misfortune or lack of attention, a debt may go unpaid and extend past the due date. This presents a problem for the business, which is awaiting payment, in that it interferes with the cash flow when a debt is not collected. This is especially true of new, or struggling, businesses.

The process of factoring works when an institution purchases the invoice for an amount that is somewhat less than the face value of the debt. This amount can be anywhere between 70-90%. The factoring company then proceeds to collect the full amount due for the invoice, which is then delivered to the original business less a factoring fee.

If a business offers credit terms as part of their sales, factoring is one way of eliminating cash flow problems. Many businesses who use factoring receive their money, from the sale of their invoices, within 24 to 48 hours. This unique approach also offers a company with the ability to extend competitive credit terms to their best customers and not have to worry about waiting for the credit payments. By offering attractive credit terms, more customers will be drawn to a business. Most businesses compete in pricing, but a company is much more appealing if they offer financing options direct to their buyers. Many consumers do not have the funds to pay for items upfront, especially if a business markets more expensive sales, but a customer may be able to agree on delayed payments. Therefore, a business offering such a deal would sell more inventory than a company who requires total payment upfront.

It’s important to realize that factoring is not a loan or a debt. In addition, unlike bank loans, collateral is not required. It’s simply the sale of invoices, on which people owe money, to another business for a slightly smaller percentage than the total due. The original business gets immediate cash and, for a fee, the factoring company collects the face value of the debt.

Many businesses, who extend credit, opt for factoring in order to avoid the hassle of trying to collect money. In addition, it costs more to have a billing department who is responsible for creating invoices every month. By factoring, a business eliminates their need for a billing department and saves money on the hassle of attempting to collect debts.

The cash generated from factoring will allow a business to purchase new equipment, pay existing debts, increase marketing efforts, improve planning, process new credit approvals, improve customer relations and save money on accounting procedures.

By factoring, a business eliminates their need for a billing department and saves money on the hassle of

attempting to collect debts.

The process of factoring works when an institution purchases the invoice for an amount that is somewhat less than the face value of the debt. This amount can be anywhere between 70-90%. The factoring company then proceeds to collect the full amount due for the invoice, which is then delivered to the original business less a factoring fee.

If a business offers credit terms as part of their sales, factoring is one way of eliminating cash flow problems. Many businesses who use factoring receive their money, from the sale of their invoices, within 24 to 48 hours. This unique approach also offers a company with the ability to extend competitive credit terms to their best customers and not have to worry about waiting for the credit payments. By offering attractive credit terms, more customers will be drawn to a business. Most businesses compete in pricing, but a company is much more appealing if they offer financing options direct to their buyers. Many consumers do not have the funds to pay for items upfront, especially if a business markets more expensive sales, but a customer may be able to agree on delayed payments. Therefore, a business offering such a deal would sell more inventory than a company who requires total payment upfront.

Network Marketing: Is It a Home-Based Business?

Before the Internet era, network marketing used to be the only "home-based business" and the only way to earn some additional income along with working a regular job and working overtime.

The marketing techniques typically taught in the industry consisted of introducing the products to family and friends--the classic way was to invite friends, family, and any acquaintances to hotel meetings, where they heard a presentation about the products and/or the business. After exhausting what was called your "warm market," you then had to go to your chamber of commerce, your church, networking clubs, malls, and other public places in order to meet new people to whom you could present the business and the products.

Unfortunately, many network marketing companies are still using these lead generation techniques in the present day. Some recommend using what are called "drop cards" and flyers. The network marketer's daily method of operation consists of leaving these flyers and drop cards in as many public places as possible, from restaurants to phone booths, in grocery shops and around ATM machines.

Rather than working from home, these techniques leave network marketers on the road most of the time, and network marketing, in this case, is not really what one would call a home-based business.

Currently, the Internet allows lead generation via Internet marketing. Internet marketing lead generation may be completely free or low cost. Leads generated through the internet are highly targeted.

Flyers and drop cards are replaced by simple signature lines in emails, discussion groups and forums. Visits to grocery shops are replaced by visits to forums. Expensive non targeted newspapers advertisements are replaced by cheaper highly targeted newsletter and pay per click advertising.

The current technology of phone bridges allows marketers to conduct presentations that connect prospects from all over the country, or even from all over the world. Expensive time consuming hotel meetings are replaced by a joining a phone conference call from the comfort of your home.

Network marketing is truly becoming a home-based business.

If your purpose in looking for a home-based business is to have the chance to spend some quality time with your family, and if you are planning to work part-time in the business, when evaluating a company, you may want to check about their marketing plan. Before checking compensation plans, products, or policies and procedures, it is recommended that you check the quality of the company's training program; this should be done before joining, not afterwards. You will have to make sure that the network marketing company you are considering will teach you real marketing techniques and internet marketing for lead generation.

It’s important to realize that factoring is not a loan or a debt. In addition, unlike bank loans, collateral is not required. It’s simply the sale of invoices, on which people owe money, to another business for a slightly smaller percentage than the total due. The original business gets immediate cash and, for a fee, the factoring company collects the face value of the debt.

Many businesses, who extend credit, opt for factoring in order to avoid the hassle of trying to collect money. In addition, it costs more to have a billing department who is responsible for creating invoices every month. By factoring, a business eliminates their need for a billing department and saves money on the hassle of attempting to collect debts.

The cash generated from factoring will allow a business to purchase new equipment, pay existing debts, increase marketing efforts, improve planning, process new credit approvals, improve customer relations and save money on accounting procedures.

3 Easy Ways To Make More Money

This Year

OM 10

Successful business owners all have one thing in common, they are never satisfied with sales levels. Whether you are making $10,000 a year or $1 million a year, there is always a possibility for growth.

Growth only comes when you realize it can happen. You will not grow if you are content or can't see the future possibilities for growth.

Here are three easy ways that you can transform your business from the level it is at, into a profit making machine.

1. Always track statistics

This may seem obvious, but most people never do it. You should always track and gather as much information as possible. Track walk in customers, track purchases, evaulate marketing, monitor amount of purchases, frequent vistiors, non-buying prospects, etc.

With this knowledge you will be more informed as to how you marketing dollars are doing and where you can increase production.

2. Find people you can trust

For my websites I have one person that writes nearly full time for me. I can send her topics for articles or websites, and she does the research and writes well thought out articles. I can pay her in advance and know that she is going to be there when I need writing at the last minute.

You definitely need people you can trust as well. These people may be your managers, family members, or just friends who can help in a pinch.

3. Develop your passion

Sometimes I need to take a drive through the country to remember why I love what I am doing. It is easy to get caught up in the fray of customer service and deadlines, but for me the most productive time is always when I am out of my business element. Use this time away to revive your passion.

Next time you are thinking that it is not possible for your business to make money, remember and put these 3 easy tips into practice!

Your Existing Clients. How a few Clicks &

Good Response Growth only

comes when you realize it can

happen. You will not grow if you are content or can't see the

future possibilities for

growth.

As you develop your company you will start to pick up clients online. This is when you will start seeing the rewards of your efforts but also when you will start to learn the lessons that will shape your company and its success down the line. This article is to show you how a few minutes of your time and a few clicks of your mouse will save you alot of headaches as well as stress. It is something that we all take for granted but will help make your company more successful and keep your clients happy.

Now you may be thinking that I am making too much out of your response time. Well you could be right and I could be wrong, but more then likely I am right. I know, I know, I hate it when I am right too. I speak on this from personal experience of dealing with clients as well as being a client. Responding back in a timely manner will save your clients frustration as well as worries that they won't hear back from you ever again(you will be surprised how many will think this way). It will also show that you are a professional running a smooth operation.

This is show to be especially true when ever they send you a payment. Never wait more then 12 hours to respond back to your clients when you have received a payment. As soon as they send the payment a little bit of doubt will creep into their mind wondering if you are trustworthy, proove that you are. Unless you have told them otherwise of why your response may be late, get back to them the same day if you can. This will build trust in them as well as their confidence in you and will only make your working relationship better down the line.

This information and practice will prove most valuable when you are dealing with more then one client. You will be able to organize yourself so that you will follow the proper protocols to handle each situation. Your business will run smoothly, your clients will be happy and most important you will be successful!

5 Good Reasons to Incorporate Your Business

Online

1. NEVER LEAVE THE HOME OR OFFICE

One reason to incorporate online is you can get all the help you need from the comfort of your own office or home. With online incorporation, you'll have all the facts about corporations at your fingertips. The incorporation services provided online usually come from those who are experienced and can provide you with the paperwork and guidance needed to ease the process. You'll save time and many headaches by using an online incorporation service and you won't have to run from one place to another trying to determine what is needed.

2. STATE-BY-STATE INCORPORATION

No matter what state you plan to incorporate in, you can incorporate online within minutes. Many online services are equipped to handle incorporation paperwork in multiple states. The services can provide you with detailed information about the state such as the fees to incorporate a business, total cost for incorporating, how long the process will take, and the steps or paperwork required to incorporate in that particular state.

3. INCORPORATE QUICKLY

Some online services may offer expedited incorporation services. This service can be useful if you need to incorporate your business in a hurry. Expedited service often costs a little more, but can be well worth it if you need it fast. By choosing this option, your business might be incorporated within 10 days or less.

4. KNOW ALL THE FACTS

When you incorporate online, you can know all the facts about incorporation before deciding to take that final step. You can take time from your home or office PC to read about forming a corporation, the requirements involved, and the pros and cons of incorporation. This will enable you to make an informed decision and determine the proper direction for your business.

You can also compare different forms of business, such as Corporation, S Corporation, forming an LLC (Limited-Liability Company), sole proprietorship, and partnership. For instance, to form an LLC and a corporation is similar in some ways, but very different in others. LLC formation should be carefully compared to incorporation before making a decision.

5. SAVE MONEY

To incorporate online is often more affordable than hiring an agent or attorney to do the paperwork for you. Online services are able to operate with minimal expenses by providing Web forms and information via the website. These savings are passed on to you and enable you to incorporate your business with a minimal investment.

These are only a few reasons to incorporate online, but there are many other benefits. Discover all that incorporation can offer for your business today, and watch your business soar to new heights!

OM 12

It is as simple as just a few clicks of your mouse. Whether you check emails morning, noon or night you need to get into a routine that allows you to respond back in a reasonable amount of time. So if you are going to respond back to clients in 1, 2, 5, 10, 12, 24 or 28 hours then you need to make sure you are consistent with this. This will build trust in your clients. It will also let them know when to look for mails from you. Always try to respond back in 48 hours or less. The sooner the better. It will make your clients feel safe with their decision to use your company but it will also let them know that you are there for them and that you care about them.

The sooner the response, the better. It will make your clients feel safe with their

decision to use your company but it will also let them know that you are there for

them and that you care about them.

You've decided to incorporate your business, but aren't sure how to proceed. Incorporation is a process that involves lots of decision-making, paperwork, and legal processes. Thankfully, you don't have to go far to learn the ins and outs of incorporation. You can now incorporate online with helpful services that are just a click away. Here are five good reasons to incorporate online.

So what is strategic business management? Very simply, it's the process of defining the goals and objectives for your business, creating an action plan so you can reach them and then following the plan.

How do you create a strategic plan for you business?

1. First, know what your vision for your company is. If there were no barriers, nothing stopping you from taking your company as far as you could -- what would that look like?

2. Next, what are your company's core operating values? What are its guiding principles? In other words, why are you in business and how do you do business?

3. Now create a 3 to 5 year plan. Your long-term plan is based on the broad objectives that will help you get from where you are now, to where you want to be.

4. Develop a plan for this year. These are the specific objectives you plan to accomplish this year that will lead you closer to your long-term goals. Remember to be "SMART" when setting your annual goals (Specific, Measurable, Attainable, Realistic, Time-oriented). Include a list of the barriers that are stopping you from getting where you want

to go. Figure out what resources you've already got, and what resources you need to get you past those barriers. And then create an action plan that clearly lays out how you will achieve your goals. Involve key employees with this part of the planning process.

5. Create a set of milestones or benchmarks. This is very important, so that you can measure your progress.

6. Share the plan with your employees, and anyone else who will be involved in the process. Your annual strategy is the roadmap that will make sure everyone ends up at the same destination -- but to be effective, everyone needs the same map!

7. Put the plan into action. Now that you have the roadmap, it's time to begin the journey.

8. Check your progress. Just like any trip, you need to check the map every now and then; to be sure you're still on the right road. If something isn't working, the sooner you figure it out and make the necessary adjustments, the sooner you'll be back on track.

9. Follow the same cycle next year. (Dream, Plan, Act, Check).

Creating a business strategy and following it will ensure that you enjoy the journey as much as getting to your final destination.

Creating a BUSINESS STRATEGY

On a scale of one to ten, having a good business strategy rates about a fifteen!

No matter what kind of business you have -- whether you sell products or a service, as the saying goes, "if you fail to plan, then you're really planning to fail."

Creating a strategy can mean the difference between you working 60 to 80 hours a week all year long -- and then breaking even, or worse, losing money.

On the other hand, many successful entrepreneurs who have a strategy work fewer hours and make piles of money -- and they usually attribute their success to having a strategic plan and following it.

Deepening Our Discipline

"The bedrock of character is self-discipline; the virtuous life, as philosophers since Aristotle have observed, is based on self-control. A related keystone of character is being able to motivate and guide oneself, whether in doing homework, finishing a job, or getting up in the morning. And, as we have seen, the ability to defer gratification and to control and channel one's urges to act is a basic emotional skill, one that in a former day was called will." — Daniel Goleman, Emotional Intelligence: Why It Can Matter More Than IQ

During the 1960s, psychologist Walter Mischel conducted "the marshmallow test" with four-year-olds in the preschool at Stanford University to assess each preschooler's ability to delay gratification. Each four-year-old was given one marshmallow. They were told that they could eat it immediately or, if they waited until the researcher returned in twenty minutes, they could have two marshmallows.

Some kids in the group just couldn't wait. They gobbled down the marshmallow immediately. The rest struggled hard to resist eating it. They covered their eyes, talked to themselves, sang, played games, and even tried to go to sleep. The preschoolers who were able to wait were rewarded with two marshmallows when the researcher returned. Twelve to fourteen years later these same kids were reevaluated as teenagers.

The differences were astonishing. Those who had were able to control their impulses and delay gratification as four-year-olds were more effective socially and personally. They had higher levels of assertiveness, self-confidence, trustworthiness, dependability, and ability to control stress. Their Scholastic Aptitude Test (SAT) scores were 210 points higher than the "instant gratification" group!

A key difference between successful people —leaders —and those who struggle to get by is self-discipline. As Confucius wrote, "The nature of people is always the same; it is their habits that separate them." Successful people have formed the habits of doing those things that most people don't want to do. But, if discipline is a key to success, most people would rather pick the lock. Delaying gratification is a good example. It's much easier to live in the moment and let tomorrow take care of itself. It takes discipline to control the impulse of instant gratification and make investments for the future.

In The Road Less Traveled, psychiatrist M. Scott Peck writes, "delaying gratification is a process of scheduling the pain and pleasure of life in such a way as to enhance the pleasure by meeting and experiencing the pain first and getting it over with. It is the only decent way to live." He goes on to state that self-discipline is self-caring. "Discipline is the basic set of tools we require to solve life's problems. Without discipline we can solve nothing. With only some discipline we can solve only some problems. With total discipline we can solve all problems."Discipline means having the vision to see the long term picture and keep things in balance. A Chinese proverb teaches "if you are patient in one moment of anger, you will escape a hundred days of sorrow." Regret can cost hundreds of hours, discipline costs minutes. An ounce of bite-my-tongue can outweigh a ton of I am-so-sorries. One test of our size and maturity is what makes us angry —and how we express our anger. A boiling temper can really cook our goose.We all want more patience —and we want it now. Most of us would like to be delivered from temptation, but we'd like it to stay in touch. Discipline is what keeps us going when the excited mood of our first beginning has long past. Former British Prime Minister, Margaret Thatcher, makes a key leadership question about discipline, "It's easy to be a starter, but are you a sticker, too? It's easy enough to begin a job. It's harder to see it through."

7 Ways To Sky Rocket Your Google AdWords Revenue

Making money online is the goal of every entrepreneur, and one of the most effective ways of generating revenue online is to use Google Adwords. But, to make the most of what Adwords offers, you must have a firm grasp on how to run an effective Adwords campaign.

The first step you must take is to learn everything you can about Adwords. That means you must invest time in researching Adwords, and you may also want to consider taking an Adwords course or purchasing an Adwords guide.

Here are seven ways that will help you increase your Google Adwords revenue:

1. Once you have a thorough understanding of Adwords, consider how much you want to invest initially to bid on keywords. Set a budget that you are you comfortable with, and stick to it. Once you drive more traffic to your Web site and, in return, make larger profits, you may want to increase your budget. For now, however, only bid what you can comfortably afford to pay.

2. Know how to use keywords to maximize your investment. Your main keyword or keyword phrase should be in the headline of your ad, in the ad itself, and in the content on your Web site.

3. Your ad must be innovative and grab the attention of your prospective customers. Illustrate to your prospective customers WHY they should click on the link and visit your Web site. Remember, the objective is for prospective customers to click on your ad.

OM 15

4. Your Web site must contain information that is valuable to your target market. Once prospective customers click on the link to your Web site, they want to find information that they need and can use. By providing unique and compelling content, you'll give prospective customers to both sign up for your list and visit your Web site again and again (provided that you add fresh content on a regular basis).

5. Always keep track of the competition. You must know what your competitors are doing, so you can ensure you're doing enough to get ahead - and stay ahead - of them.

6. Use a variation of keywords, including commonly misspelled words. By using a variety of keywords, you'll reach a larger audience.

7. Avoid using negative or inactive keywords. If a keyword isn't getting many hits, stop using it. Likewise, avoid using negative keywords. All of your keywords should be directly related to your target market.

If you apply the right techniques, you should see an increase in traffic to your Web site which will, hopefully, increase your overall profits. Remember, you should only bid as much as you can comfortably afford.

Purchasing keywords before having a thorough understanding of what to expect could end up costing you money, so be sure to do your research before you actually start bidding and placing ads.

To make the most of what

Adwords offers,

you must have a firm

grasp on how to run an

effective Adwords campaig

n.

A Beautiful Plan – Maintaining

a Down Line with RFS

A large part of success in any Network Marketing venture is understanding and taking advantage of the companies compensation plan. If the plan is garbage, you may be an expert marketer and still, you will have trouble making money with the company. Too often with network marketing companies you need to develop down lines of thousands of people before you start to see any real turnover.

RFS helps you stop worrying about where you will find thousands of people to convince to join you business by linking up with GRN (Global Resorts Network) and its accompanying compensation plan. GRN combines a MLM type comp plan with a direct sales type comp plan. It pays you big on the initial sale, one thousand dollars, but also rewards you for how deep you can grow you organization.

Your front line is totally devoted to you. You make an addition one thousand dollar commission on every sale that anyone in your front line makes, minus the first person that makes a sale in your front line, they bump up to the guy who brought you in. You make a thousand of the sale initially but not off any of the sales that this person will ever make. Don’t worry, this is designed to help you.

OM 17

Maybe you have fifteen people in your front line after the second month. That is fifteen thousand dollars you made in the two months. But now your front line has also been making sales and you pulled another ten thousand from eleven sales made by your front line. All of the sales by different legs of your front line are people that could potentially become the equivalent of another person in your front line, if they make the first second line sale in that branch.

This works way down the line, rolling people up to you so you can make a thousand off of each sale they make. This makes educating, training, and motivating your down line very profitable as if can mean tens of thousands of dollars for you over and over again.

Everyone seems to have their own secret or strategy or trick to making money in the stock market. Here are two strategies that have helped many people.

1. It's your time, how do you want to spend it?

Some people suggest high risk investments and watch them all day. Others say that simply buying good quality mutual funds and hanging onto them for a long time is the best option.

One of the deciding factors for you in developing your investment strategy should be the amount of time that you are willing to spend on monitoring your investments. There is nothing wrong with investing in high-risk investments if you have the time to spend researching, analyzing, and monitoring the price movement. There's also nothing wrong with the "buy and hold" method, if you do not have the time to spend on watching your investments.

The people who have been very successful in investing are able to match their investment style with the amount of time they can spend on investing.

A GUIDE TO

INVESTING2. It's your money, how much can you

risk?

The people who have lost everything on the stock market were not careful at managing their money. The stock market is not a gamble, if you're careful. But you need to be careful in what you buy and how much you buy.

You can decide what is right to buy based on the amount of time you want to spend in the market. Knowing how much to buy is another issue. Don't put more into your higher risk stocks than you're willing to lose!

You may find greater safety in buying mutual funds or bonds and if you have money you don't want to see disappear, those are probably good options for you. If you are sitting on your children's education fund, you probably do not want to be sinking that in stocks that could potentially gain or lose as much as 50% in a day!

Knowing how much time you have to spend on your portfolio and how much you are willing to risk are two strategies that can help you make wise financial decisions when it comes to investing.

Maintain your down line, feed them your successes, teach them your ways. Get them driving as much or more traffic than you, being in more forums, blogs, articles directories, co-reg lists, co-ops, key words, networking community personalities than you could ever possibly be in yourself and profit.

Maintain your down line, feed them your

successes, teach them your ways.

Not everyone has the ability to spend millions on advertising and become a household name. Especially when you’re just starting out, but you do want customers to remember your brand first whenever they think about a product you make. So how do you brand yourself like Coke, Nike, Yahoo, KFC, or Dell? Here are 3 easy ways to put your brand in the minds of your customers.

1. Brand your small business online presence. Whatever your company name is, you should also have the .com name.

If you run a real-world brick and mortar location named say… Last Drop Coffee Shop, then you should also register lastdrop.com and lastdropcoffeeshop.com. Even if you just put up an informational website rather then selling coffee online, having the extra facet to your brand name can only help.

If you are a self-proprietor, or hold a position such as realtor or insurance agent. You should have yourname.com. Some companies may give you web space like companyname/yourname.com, but if you need people to remember your name then register it as a domain, and slap it on your business cards.

2. Get your small business on promotional items that people use every day. Giving out calendars, pens, notepads, coffee mugs, clocks, or calculators with your brand on them is a great way to be remembered. Most people don’t staple your business card to the wall, but a good-looking

calendar can be in front of a customer 365 days a year.

When buying promotional items, think about the things you use often. Try to be different too, if you give out pens use high quality ones, not a cheap one that will get thrown away.

3. If you can’t tell the world about your small business, at least tell your neighbor. Look at your local market first. For the cost of putting your name

in front of every person in the state, you could get your name in front of everyone in your town dozens of times, and repetition is the key. No one remembers the things they hear once; everyone remembers something repeated every day.

For the cost of one super bowl commercial, your businesses commercial could be played 20 times a day, for a full year in front of a local market.

There is an almost endless source of local marketing for your small business. Local newspapers, radio stations, phone books. Also check out more unconventional spaces. How about a banner on the left field

wall of your local minor league team, or a press release in a regional journal.

When figuring out how to brand your business, try looking through the eyes of the customer first. Where do they look when they want your product? Do you sell something consumable, when will the need to purchase again, and what’s the best way to keep your business name in front of them. Be creative. Find more information on small business needs at http://emazin.com/small-business/

3 Easy Ways To Brand Your Small Business Name

OM 19

CUSTOMER LOYALTYLoyal customers are the foundation of almost every business. Going the extra mile to provide outstanding customer service is the first step to customer loyalty. But there is more. Of course - your products and services in general need to be good. If you offer lousy uptime there is not really a reason to be loyal when being a customer. You just don't deliver, period.

Here are a few more suggestions to gain customer loyalty.

1) Be smart. Be smarter than your customers are. Make sure you and your staff always (no exceptions) have more answers than your customers have questions. Most people are very loyal to expertise and proven skills.

2) Pay Attention. Pay attention to what your customers really want from you and what they really are hoping to find. If you see a pattern - follow it and adjust accordingly.

3) Attitude and outfit. Show positive attitude. Always be on time; never ever run late when a customer is involved. Be professional, act professional. If you meet with a customer - don't look like coming from a .COM company (even if you are) where shorts and T-Shirts are business attire. Don't over-dress either.

4) Dump any strict policies. Don't make customers think, that doing business with you is a risk. Be generous and flexible. Every situation is unique - so can be your decisions. If a customer is not satisfied, give him the money back and try spinning this into an even bigger sale.

5) Don't hire unlikable people. Nobody likes to give money to someone they don't like. Even if your staff might never really talk to customers and only communicates via email or forums - a personality will always shine through. A customer will feel after a while, who he is dealing with.

6) Don't be pushy. Don't try to push a customer to something they don't want, they don't need or they are not sure about. Show options, be patient. Customers like that more than a stupid sales pitch.

7) Offer superior products. Add a little more to each product or service than necessary.

None of these things alone with get you loyal customers, but a combination of things will make it very difficult for a customer to leave. If you get a customer to this point, you are able to ask for a higher price for your products and most of them will be happy to pay a little more so that they can continue to enjoy the service and the products that you provide.

This article can be published as long as a live return link to http://www.webhostingresourcekit.com is provided.

OM 20

DEAL IS AN AGREEMENT THAT IS REACHED AFTER NEGOTIATION. AGREEMENT IS A MUTUAL COMMITMENT BETWEEN TWO OR MORE PEOPLE. A DEAL IS A TYPE OF CONTRACT THAT TWO PARTIES AGREE TO FOLLOW. DEALS ARE VERY PREVALENT IN BUSINESS AREAS, THUS WE ARE CONSTANTLY HEARING TERMS LIKE BUSINESS DEALS, FINANCIAL DEALS AND MORE.

Deals – The Ideal

While making a deal with another company or person, there are a few things that you should remember. When you are negotiating with another company, take charge of the situation. It is important to be in control of the deal initially to ensure a smooth flow of positive activity. You may sometimes face unavoidable situations when the opposite party cut a deal that leaves you exposed. It is not always possible to shield yourself. Leaving those unavoidable instances, try to be in control of the entire situation when you are dealing with another person or company.

While you are dealing with another company, it is best to collect the money sooner than later. Deposits, advances, and front-loaded payment schedules are ways of judging the reliability of the other company. Cash is always safer than checks in deals, and a certified check is safer than a personal one. While dealing with money matters, do not move beyond your budget. Take help from third-party financing, only after the deal is officially made.

In a deal, you should communicate clearly and specifically about your expectations, leaving no ground for misunderstandings. Have a condition attached to your deal. In a deal, make the key items subject to your approval. The best way of dealing with deals is to self inspect everything. Talk to the tenant and the franchisee to know how things are working.

In a deal, try to be the boss. Create a situation in the deal where the other party will report to you by giving you `various reports on the various stages of the deal. There are very few companies that are self sufficient. Making deals with various companies not only increases the trust between the two, but also ensure a rise for both of them.

In a deal, you should communicate clearly and

specifically about your expectations, leaving no

ground for misunderstandings.

Debt Elimination 1OM 22

If you have multiple debts, you may well be wishing you had a debt elimination wand to wave and make all the debts disappear. You would probably wish even harder for that magic wand if you were falling behind with, or at least struggling hard to keep up with, the monthly payments on those debts.

The notion of debt elimination, though, is in most cases a fanciful one, at least in the short term. If you have debts of $15,000, where will you suddenly find $15,000 for the elimination of those debts? If you have debts of $30,000, how can you suddenly just wipe out that amount? Realistically, you have little hope of reducing your debt balance to zero in the short term, if your debts are anything like that sort of level. Unless they win the lottery, or come into some inheritance money, the average person cannot suddenly find such sums.

If your debt situation is really bad and out of control, then you may be considering bankruptcy. That may wipe out your debt, but it can be a very unpleasant process to go through. The laws vary greatly between countries, but can sometimes be quite draconian, and greatly inhibitive for your future actions relating to money. Debt elimination by bankruptcy is an extreme which, if at all possible, is to be avoided by those who have pride and wish to make a genuine attempt to resolve their debt problems and plan a better financial future.

E-Commerce Business – Proceed With Caution

There is an epidemic in the United States. An epidemic that is so overlooked, if gone unchecked any longer, could cripple the economic strata of the U.S. An epidemic that could be responsible for the genocide of millions of businesses. Curious what it is? I am referring to the gross mismanagement of e-commerce businesses. Okay, perhaps the phrases “cripple the economic strata” and “genocide of millions of businesses” was stretching a bit too far, however, it is a fact that the bulk of e-commerce businesses are not built on an infrastructure that embodies stability. I am referring to a lack of customer service support in the umbrella of businesses designating themselves “e-commerce” or “virtual businesses”.

It is true that the lure of starting the e-commerce business is powerful. An endeavor as such usually requires little or no capital investment, a credit card processing account, and rudimentary knowledge of HTML coding. These three elements compose the basic formula for starting an e-commerce business. There is a marked difference in the formula for starting a business and the formula for maintaining a business. To expound on the latter, what truly makes a business thrive is proper customer relationship management and immediate telephone / live voice account support. This is the key component that is missing from most on-line or “virtual” businesses.

Take, for instance, the internet based company Netflix. If you are unfamiliar with the company, they are a relatively young e-commerce business specializing in mail order DVD rental. The minds behind the ingenious idea that is the basis of Netflix failed to create telephone support for their product. There is no doubt this decision was a calculated one as they most likely weighed the cost of maintaining an in-house call center vs. integrating purely e-mail based support. Without looking at the numbers side of the argument, imagine the frustrated consumer having problems with their order and having to rely on a 24 hour lagged e-mail response system to rectify their account issues. Based on this plausible conjecture, I believe lack of live operator support will be the ruin of the Netflix organization and the downfall of all e-commerce businesses that follow the same train of thought. What these businesses do not realize is that it is possible and extremely cost effective to outsource your call center needs to an established advanced call center facility. This solution has a two fold benefit. It serves to establish a solid foundation of customer relationship management and opens businesses up to benefit from word of mouth advertising.

I believe even a small internet business can greatly benefit from utilizing a call center to manage their customer service or sales calls. The initial investment is usually zero (excluding research time to find the appropriate facility) and most call centers charge on a per call basis (meaning you only get charged for the calls they actually receive). If looking at business from the customer’s perspective as opposed to looking at it from an initial profit standpoint, it behooves all e-commerce businesses to initially setup a live call center to manage all of their calls. If the infrastructure is not initially setup correctly, your business may fail before it has even begun.

Also, if you have debts out of control, you may be considering debt negotiation. While this will not lead to debt elimination, it may help reduce the immediate pressures and make it easier to eliminate those debts some time in the future.

Of course, with lower amounts of debt, you have more of a chance, so it really does depend on both the debt level and your personal situation as to whether it is feasible to reduce your debts to zero in the foreseeable future. In the longer term, it is definitely possible, but there again the difficulty level will depend on the amount of debt and other personal circumstances.

What Are The Steps To Eliminate Debt?

Your precise steps to debt elimination will depend on your current financial situation and other personal circumstances. However, there are some broad steps that you can follow which can help you achieve debt elimination with patience and determination.

The follow up article will discuss the steps you can take to eliminate personal debt.

OM 25Earn Money at

Home with Unique Home Employment Opportunities

MANY ADVANTAGES WHEN YOU EARN MONEY AT HOME

Anyone who is willing to work will be able to have a successful home-based business. Whether it is full or part time is up to you. It doesn't matter if you have children at home, or have other obligations, you can work at your own pace and on any schedule you choose. You will be able to earn money at home without having to leave the comfort of your own surroundings.

Think of the advantages of working for yourself at home. You won't have rigid hours and bosses to answer to. You can have your own business with the computer or other equipment you already have, without costly offices and overhead. You will have the freedom to make your own decisions and will eliminate the stress and costs of commuting.

Working For Others At Home

There are numerous possibilities in home employment. Depending on your interests, you can work for yourself or other companies and earn money at home. There is a great need for assembling products at home for all manner of companies. There are directories offered on the Internet that will give you a comprehensive listing of companies needing workers.

By purchasing a directory like this, you will be able to study the entries and pick out one or several that appeal to your interests or skills. There are also companies that will pay you to do clerical and computer work, telephone polls, background checks and process insurance claims.

Be Your Own Boss

If you would like to work as your own boss and earn money at home, there are services that people need and will pay for. Helping people find credit solutions and money brokering is an opportunity that's in demand today, and you'll need no prior experience. There are companies who will train you in these services. You will collect the fees yourself without going through a middleman.

Start Your Own Business

If you have a unique product or service to offer, you may want to open your own Web business. There are sites on the Internet that will help you get started and many are free. Another way to earn money at home is to join a free affiliate program online and sell the products of others through your own website. You can earn extra money by advertising for other companies, and receive commissions from the sales it generates.

For anyone with ambition who wants to earn money at home, the sky is the limit. Start looking now for the kind of job that you would enjoy doing at home. Make your life more fulfilling and profitable by taking control of your destiny.

For stay at home moms, retirees and anyone that wants a new job, home employment may be the ideal solution. There are many different ways to earn money at home within the reach of anyone who wants to find them. Join the more than three million people estimated to be working at home now.

You've got spelling and grammar checkers on your laptop computer, so you're all set to crank out the perfect sales letter while you're on the road.

But Chandra Clarke and Terence Johnson of the online editing service Scribendi.com would urge you to not hit the "print" button just yet. Those spelling and grammar checkers can make mistakes, and even one typo could not only ruin the impact of your letter but reflect poorly on you and your company.

Written marketing materials are often the first impression prospective customers have of a company. And prospects can be very unforgiving of those little typos.

In the article "Ethos and Error: How Business People React to Errors," University of South Alabama English professor Larry Beason found that mistakes in written materials create confusion regarding meaning and harm the image of the writer and the writer's company. The typos often reflect on more than the writer's communication skills, Beason said. The people he interviewed called sloppy writers "hasty," "uninformed," "careless" and "uncaring."

"If you don't care about your work," wrote one of the respondents, "why should I care about you and your business?"

But carefully proofreading your work may not be enough - studies show that people often miss their own typos. According to the studies, you see what you expect to see in your own writing, rather than what's actually there. Another person, or an editing service like Scribendi, can provide a fresh set of eyes.

Scribendi offers a variety of services, including proofreading, editing and translation. Clients upload their files to Scribendi's Web site and download their documents after the editors are done correcting and polishing.

The editors come from a variety of backgrounds, so they're familiar with their clients' fields. In addition to correcting grammar, spelling, flow and consistency, they explain word usage issues and standard writing practices, so clients learn how to improve their own writing.

When it comes to making a great first impression, Clarke and Johnson believe no project is too small. The image you create with a short press release, they say, is as important as a deal-closing presentation.

Editors Help Business People Do the 'Write' Thing

OM 26

Eight No Cost Ways to Market Your

Business

Are you trying to promote your business with a tiny marketing budget? Opportunities are plentiful for low or no cost marketing. Here are a few that won't cost you a cent.

1. Publish articles about your specialty. "How-to" articles are always welcome. Ensure you include your contact information.

2. Write letters to the editor of publications your target market reads.

3. Get involved in an organization or community project.

4. Build strategic alliances with non-competing businesses and cross-promote each other.

5. Publish a special report. A "super how to" list for your specialty area. Distribute freely. Ensure that your contact information is included.

6. Speak to groups and organizations. Make sure the audience is your target market.

7. Carefully target relationships with media sources.

8. Write newsworthy press releases and distribute to your special contacts.

The more proactive you can be, the better off your business will be.

Eliminating Objections to INCREASE SALES

You want to increase the flow of sales revenue, but you are stymied by prospects' seemingly endless objections. Prospects say they're not interested. They tell you your price is too high, or this isn't the right time. You've heard all the objections. What can you do to get rid of these once and for all?

ENGINEERING YOUR MARKETING

When I was seven one of my favorite ways to spend a hot summer day with my friends was playing a backyard game we called "waterworks".

We'd use a trowel to construct channels in the dirt, put the hose at one end and watch the water flow. If we wanted the water to go straight, we'd remove rocks and debris to clear a path. We became sophisticated engineers, guiding water around corners and across short aqueducts. We felt like masters of the universe, directing the water where we wanted it to go. (You can bet my mother loved seeing us come into the house at the end of the day.)

Plan your marketing to take charge of increasing your sales. Your marketing can lead prospects to your products and services the way my friends and I engineered our waterworks; by making clear paths and removing obstacles. Channel your prospects' attention and interests and eliminate objections. Below are the four most common objections and ways to eliminate them.

LACK OF INTEREST

Prospects need to understand what you do before they can become interested in what you have to offer. It is that simple. If you're marketing yourself as a lawyer, coach, accountant or fitness center, you're not telling people why they should be interested. To capture their interest, explain the problems you solve from their perspective.

LACK OF LEADS

You want people to email you, call you or go to your web site to buy your products and services. But first you have to motivate them to contact you so you can market to them.

Once you have their attention, use your conversation, your emails and your web site to ask them what they want and need.

LACK OF CREDIBILITY

You want prospects to see you as the expert; the person and the firm that has the products and services they can rely on. One of the biggest challenges to attracting new clients is gaining their trust and being seen as the essential expert. Use your articles, ezine, and web site to demonstrate your expertise. Use testimonials from clients to tell prospects about the results you and your products have achieved.

PRICING OBJECTIONS

Whether it is a $25 subscription or a $50,000 consulting fee, prospects object to price when they don't understand the value of the purchase. Establish a set of questions you can use to help prospects define what they want and what you are providing. When price is put in context, it becomes much less of an obstacle.

Still not converting as many prospects to clients as you'd like? Use questions to find out more about what they want, and what their concerns are. Then address each of these objections up front and remove them as potential sales killers.

Think of your target market as a reservoir of water waiting to be tapped. If you eliminate the barriers between them and you, you could send a steady stream of new clients and customers your way. N0w, don't just imagine it, do it. Start eliminating your prospects' objections and create a clear path for them to become clients and customers. Help your prospects get what they want and you'll get what you want, more clients.

You want prospects to see you as the expert; the person and the firm that has the products and

services they can rely on.