Monday, March 31, 2008

HOME INCOME PORTAL WORLDWIDE EMPIRE

A Complete Home Income Portal creating income from working at home. A Worldwide Retail Empire that generates income from retail sales to a market of a billion hungry consumers and more.

This Home Income Technique is extremely powerful, and it integrates with your surfing habits. You simply leave your Home Income Portal home page URLS everywhere you surf.

Multiple Income Streams at Trafficswarm, Webdawg, pageswirl, ebay, Amazon, regnow plus your very own products like Traffic Magnet, Banner Fiesta, and ebooks superstore.

Sales are generated from Traffic streaming in from a market infrastructure on blogs, myspace and a Worldwide Home Income Portal delivering products and services in their local community.

Scroll below for a growing list of my Portals. You will never get a more Powerful Income Portal anywhere on the internet.

HOME INCOME PORTAL WORLDWIDE EMPIRE

Saturday, March 29, 2008

How We Eluded The Bear Of 2000

Truly, some people thought we were nuts, but I had come to trust the numbers. The shake out in the stock market, which started in April 2000, had all major indexes coming off their highs, violently followed by just as strong rally attempts. The roller coaster ride was so extreme that even usually slow moving mutual funds behaved as erratically as tech stocks.

By October, the markets had settled into a definable downtrend, at least according to my indicators. We sat safely on the sidelines and watched the unfolding of what is now considered to be one of the worst bear markets in history. By April 2001 the markets really had taken a dive, but Wall Street analysts, brokers and the financial press continued to harp on the great buying opportunity this presented.

Buying on dips, dollar cost averaging and "V" type recovery were continuously hyped to the unsuspecting public.

By the end of the year, and after the tragic events of 911, the markets were even lower and people began to wake up to the fact that the investing rules of the '90s were no longer applicable.

Stories of investors having lost in excess of 50% of their portfolio value were the norm. Why bring this up now? To illustrate the point that I have continuously propounded throughout the 90s; that a methodical, objective approach with clearly defined Buy and Sell signals is a "must" for any investor. To say it more bluntly: If you buy an investment and you don't have a clear strategy for taking profits if it goes your way, or taking a small loss if it goes against you, you are not investing; you are merely gambling.

The last 2-1/2 years clearly illustrate that it is as important to be out of the market during bad times, as it is to be in the market during good times. Want proof? According to InvesTech's monthly newsletter it turns out that, measuring from 1928 to 2002, if you started with $10 and you followed the famous buy-and-hold strategy, that $10 would become $10,957.

If you somehow missed the best 30 months, your $10 would only be $154. However, if you managed to miss the 30 worst months, your $10 would be $1,317,803! Thus, my point: Missing the worst periods has profound impact on long-run compounding.

There are times when you end up better off by being out of the market. Interestingly enough, if you missed the 30 best months and the 30 worst months, your $10 would still be worth $18,558, which is 80% higher than the buy-and-hold strategy. This all comes about because stock prices generally go down faster than they come back up.

You can generate Worldwide Income From Home.

Wednesday, March 26, 2008

Generate a Worldwide Income From Home

This is my Global Financial Adsense Empire powered by The Home Income Portal. Everything is installed and configured for me to generate Multiple Streams of Income from Worldwide Income Sources. Every Day, a New Unique Content Driven Income Website Grows on every domain Worldwide. That is 106 Adsense Page For my Multiple Stream Income every Single Day. My Income is a matter of When. I can never lose with the Powerful strategies used for my online business.


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Sunday, March 23, 2008

give your family the LIFE they deserve

Hi Everybody,

This is Theresa here saying a very, very Thank You to my Team that is building my marketing and promotions for me.

I never expected this kind of Total Support and even have a team assigned, since I know very little in How to Promote a Business. No other business out there will do that for me. When I cannot do something, I am always left on my own. They took my money and made me feel useless.

My Team and Doug was always there, and I can always expect them to help in everything. This is my second year with a Home Income Portal, and my Team took all my mess and negligence and put it back together for me.

I am now earning more money than I can ever imagine. I pay $48.00 a month, and I now earn more that $1,700.00 a week, so after the 48.00 a month, everything else is mine.

I have paid off all my debts, own a home and can stay with my 3 sons at home full time. Thanks to my Team, I feel human again, and have my dignity back.

Theresa Ho Sin

Wednesday, March 19, 2008

7 Tips for Writing Winning Resume Cover Letters

Attract attention with a strong opening paragraph. Create impact. Give them a reason to keep reading about you.

Refer to your enclosed resume. Be specific in describing your skills, experience and accomplishments. Use actual examples of things you've done.

Let the employer know what you can do for them.

What can you bring to their organization? Keep the letter's tone of voice positive and professional. Be persuasive but don't come off like a cheap used car salesman. Remember to ask for the interview! Double check your spelling, grammar, and sentence structure. Have someone proofread the letter.

Sign your letter and keep a copy for your files. Writing a strong cover letter will help you (and your resume) stand out from the crowd.

Hopefully, your cover letter will give employers a reason to pick up the phone and invite you to that all-important job interview.

Donna Monday
employment related articles
http://www.get-a-job-interview-quick-tips.com

You can generate Worldwide Income From Home.


Tuesday, March 18, 2008

Dating Tool: Confidence 101

Nobody said dating would be easy, but Hollywood sure likes to paint it that way, doesn't it? "There's someone for everyone," they say. Maybe that ought to translate to, "There's someone for everyone.as long as you're a muscled pretty boy with washboard abs, and at least 6 feet tall."

So how does one get by this unsettling dating stipulation? Are we actually to believe that love will find us when we're not looking? I think people who say that are normally in happy relationships when they say it. Can we "buy" outer beauty from an online store to match our own inner beauty? Somebody is buying pheromones and weight-loss pills and liposuction and facial restructuring. Hell, now people even get plastic surgery to make them look like a celebrity.

Huh??? And you know what? I bet these things work for people.

As long as it can build the confidence up in someone, it also strengthens the attraction. So how can we build up that confidence without spending tons of money to people who know how the game works? Sounds like a question for the shrink. I suppose its all part of why I started up a matchmaking service with a friend of mine in Los Angeles. It can be so frustrating out there.

And being "alone" can only make your work day more stressful, it seems. So if I had someone to do the dirty work for me, get me the dating connections, counsel me on why I might not be getting that second date, maybe my frustration level would decrease. So I went into the business, pretty much as a means to find out what can be done to find the perfect one. OK, so nobody's perfect, but at least maybe I can find a decent one who happens to have similar ethics as myself. Oh, and a killer sense of humor is mandatory. But looking around, nobody was going to help me, a fact that made me feel even more alone! So I had to do it myself.

Such is life, right? Part of it might be that I feel a need to always be in control of my own destiny.

As long as I am actively pursuing something, I am a success. Yea, that sounds right! So I joined forced with my cohort and we started Let's Meet Here. Now I'm gonna' find the one, right? Wrong! As it seems unethical to date my own clients (damn, I knew I'd run into some roadblock!) I figured at least pass on any information I can gather to those who need it (and baby, we all need it!). Granted, I am learning about all this stuff now. It seems every date and every relationship is completely unique. There is no list of do's and don'ts that applies.

But I do know that self confidence is attractive and beneficial to everyone.


Saturday, March 15, 2008

3 Simple Keys Will Make Your Customers Stick

How do you turn a pile of dusty invoices and sales receipts into profit generators for your business? How can you create loyal customers who will return time and again to increase your small business bottom line? There are three keys to creating customer loyalty.

1. Know Who They Are Do you? Compile and maintain a list of your customers. Track their habits. Monitor your list so you know when they are doing business with you differently. Then ask why.

2. Know What They're Worth I overheard a remark the other day. It was, "Oh, that lady. I barely pay attention to her. She comes in twice a week, but only spends about five dollars.
What a waste of my time." Have you had the same thought about any of your customers? Before you dismiss the customer that only spends five dollars, take a look at her long-term value.

How often does she purchase over time? How many people does she refer to you that have the same spending habits? A $5 customer can really be worth over $50,000 in the long term and should be treated like a queen.

3. Take Action Your customers are busy people. They need to be reminded that you exist and how you can eliminate their pain (wants or needs). Have you ever received mail from a company and decided to save it so you could "check them out later?" Then you find that piece of mail in your "to do" stack months later and realize you never contacted them. Your customers do that too. You have to remind them. Often.

Customer loyalty is not rocket science. But it does take consistent effort. Over 90% of small business owners are letting money walk out the door of their business each and every day. Are you one of them?--

The Author Denise O'Berry helps small business owners identify and execute the steps necessary to grow their business.

Find out more at http://www.targetreferrals.com
denise@whatspossible.com.

P.S. It's your choice. You can continue chasing leads that take you to a dead end or you can start attracting referrals to your business so you don't have to work so hard. Click Here To Order Right Now!

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Thursday, March 13, 2008

How to Get Control of Your Money

Making a living is fine, for most people. But for some it is just the first step to gaining control over their life.

If you want to increase your wealth and have more options, action needs to be taken by you otherwise you could end up like most people further down the track, totally dependent on a pension.

Karen's Story: Karen is the Marketing Manager for a well-known organization. She's 39 yrs old, single and earns over $80k a year.

She is paying off a mortgage and that's all the debt she has. Karen buys whatever she likes and says she has more than enough money for her lifestyle, or so she thought. And that's a very important point - Karen 'thought' she had plenty of money to splash around yet she had no real idea of where it went.

She was at the stage where she wanted to achieve more in her life including taking charge of her financial future.

One of the exercises I gave her to do was to sort all her financial statements - visa card, bank accounts and any cash receipts and list her income and expenditure under specific headings, ie: loans, clothing, utilities, food etc. Karen recorded everything that occurred for the past 6 months.

She nearly fainted when she saw how much money she had wasted and how much she was overspending! She was going backwards fast and only realized it by doing this simple exercise. In the past Karen hadn't put a high priority on her financial well-being as it was just too hard.
Being a marketing manager, her life was busy at work and she had a hectic social life. She didn't want to bother doing something that wasn't exciting like working on her financial future.

After all, she had a well-paid job, didn't she? Karen has now come to her senses and knows her true financial situation. If she lost her job, financially she couldn't afford to be off work for more than a month.

She realizes that she is responsible for her future. The area of wealth creation hadn't been of great interest to Karen in the past. Now that she was undertaking coaching, she was serious to making a change. Prior to writing down where her money was going, Karen was completely closed to any suggestion to read more about how she can accelerate her wealth (or lack of it), so I didn't pursue this with her.

Her attitude had now changed so she was ready and willing to move to the next step.

The next move I referred Karen to an organization who would look at her total financial picture and be able to recommend what she could do. The reason I chose these people is because they take a holistic approach to wealth creation. They look at every aspect and provide an on-going education as we could all benefit from.

Everything is installed and configured for me to generate multiple streams of income from Worldwide Income Sources.

Wednesday, March 12, 2008

Media Star Power from inexpensive marketing

Media Star Power reviewed by Bonnie Jo Davis.

Judy Jernudd is a former newscaster and television talk show host turned professional speaker and media coach. Her unique background has given Ms. Jernudd the insight into what makes a great media interviews and she shares this insight in her book. Media Star Power covers the terminology of the media world with concise descriptions, quotes and gold star tips.

The book starts with "Advance Work" and ends with "ZZZ" and covers just about everything you need to know about media interviews in between.

This book will help you become a media savvy guest, market your product and business, position yourself in the media, improve your confidence and help you prepare for a crisis. All of the topics covered are helpful but some of the most interesting are: creating an on camera look with tips on dressing and jewelry for both men and women, how to react to the media covering your company crisis and how to manage on camera anxiety. This book is a must have for anyone seeking or preparing for media coverage and is sized just right to fit into a purse or briefcase. Readers can use this guide while launching their own media campaign on a budget or to prepare themselves for working with a media coaching company.

The reviewer, Bonnie Jo Davis, is the owner and operator a Virtual Assistant firm. She can be reached at http://www.DavisVirtualAssistance.com.

This is my Global Financial Adsense Empire powered by The Home Income Portal.

Tuesday, March 11, 2008

7 Surefire Ways To Repair Bad Credit

Here are some sure-fire solutions to 'repair bad credit.' Keep in mind that, like most 'diseases,' credit repair can take some time, but complete healing is possible. The first thing you need to do is find out what is being reported about you.

This is easy and inexpensive. For under $10, you can get your credit report from one of the three main credit reporting companies: Equifax, Experian, or TransUnion. Keep in mind however, that if you have recently been denied credit, you can get a free report from the same credit bureau the lender used to reject you -- as long as you do so within 30 days.

What You Don't Need is a repair clinic.

Why? There is no legal way to 'repair' your credit. Those that claim to know loopholes and shortcuts are merely out for your money. They may even get you into legal trouble by having you fudge the facts or creating a whole new file for you. Anything legal that a clinic can do, you can do just as easily and without the cost of 'professional' help.

Further Steps to Take:

1. Stop using your credit cards immediately.
Put them somewhere where they will not tempt you. You may consider keeping at least one card for emergency purposes. Additionally, with poor credit, you may find it more difficult to get a credit card in the future. If you keep at least one account open, then you won't have to worry about applying.

2. Be Honest With Yourself.
Taking a good hard look at your financial situation, particularly if it isn't good, can be very difficult. Yet, to get out debt you have to fully understand what the situation is.

3. Find the Errors.
Believe it or not, up to 40% of all credit reports have errors in them. If you find that your credit report shows something that is not true, you need to write to them with all the details. Be sure to use certified mail so that you can keep track of who you wrote to, when you wrote, and who received the mail on the credit bureau's end. Then ask the credit bureau to send a corrected report to anyone who has requested a report on you in the last 6 months.

4. Find the Omissions.
By law, you are allowed to add information to your report that you believe will help your rating. This might be additional information about a repayment of a loan, good credit you have with companies that do not report to the credit bureau, or salary increases.

5. You Must Have a Plan.
Whether you determine to pay your bills down a little at a time, take a second job, go to credit counseling, or file bankruptcy, you need to create a plan. Do the plan. Revise the plan. And Never Stop planning your future through your budget and financial planning.

6. Creating a budget is easy -- plus it can be fun.
But the real benefit is that you can use it to take charge of your future. Start with a simple list of estimates about where your money goes. Be as complete as you can and then add up the total. If the total doesn't match your total income, then add a category called Miscellaneous and put the difference there.

If your budget is more than your income -- you have discovered problem number one (for most people) is your budget. Stop spending money that you don't have. Do it Now. Find ways to increase your income and ways to decrease your budget expense until the totals match. But don't stop there.

Then, if you haven't already, create a category called Savings. Put something into your Savings and keep it forever. This will demonstrate your ability to keep a promise (to your self) and create all the self esteem you need to make the 7th step easy. The fun part is that your Savings can build into an account that earns money for you too. That Savings is another source of income. "My money makes me money."

Before you are out of debt, create An emergency fund. This is a separate savings place where you can borrow from yourself when it is NEEDED. Not just wanted but needed! And when you borrow from your self be sure to pay yourself back ASAP. Make it a big priority! An emergency fund it your security account.

7. Following your budget is the secret to your financial future.
You can always, revise, and adjust your budget while changing your plans. The second biggest problem (for most people) is that they always add more expenses to the budget plan whenever they get a chance. That does not work.

Increase your savings instead, and pay off your interest bearing debts. Interest payments are the "thief in the night" that prevents you from having what you deserve. It gives other people your money simply to allow you to exceed your budget. Dumb? I guess!

Take a lesson from my parents. They both walked to work until they could afford to buy a car. And when they did -- they bought a new car. That way we got the most out of our car with all it's benefits. And no money was wasted paying extra lenders for the privilege.

When your savings gets big enough, put some of it into better investments. I recommend an IRA to begin with because you can get increased earnings and extra tax savings. You should be paying taxes by now of course, it's part of a real financial plan.

But, before doing too much investing -- I recommend investing in a sure thing! Don't believe the news or the financial advisers -- their is only one guaranteed sure thing! Guess what it is, and feel how good it will feel to be betting on a SURE THING!

Your one true sure bet is getting out of debt. Here's the best way to do it: Pay the minimum amount on all your debts and savings except the one with the biggest interest. Pay all you can on that one alone until it's fully paid off!

Tips:
Make a list of all your interest bearing debts.
Include the amounts you owe and the interest rates.
Change your budget with this plan to get out of debt:

a) Change the Category name for the item with the highest rate to "PIG" (Piggiest Interest Grabber).

b) Increase that payment amount to the most you can. Pay off the PIG while decreasing your other payments and savings to the minimum allowed.

c) When that item is paid, add in the amount of the next highest interest item.

d) When you have no more PIGS on the list, put the entire amount into savings.

That's the secret to retirement and savings -- a simple to follow long term plan.

Pay off your biggest interest rate item first AS QUICKLY AS YOU CAN!

Then cross it off and do it again.

I always recommend owning your own business, but that's an item for another article.

Monday, March 10, 2008

Five Essential Hiring Practices

Hiring regular employees is becoming an increasing problem. There are many benefits to outsourcing, temporary workers, piece workers and independent contractors. Even part time employees can be a lot less trouble. Of course, not every business plan can do without regular full time employees. So then you need to learn about hiring liabilities and also negligent hiring.

Negligent hiring means you and your company can be sued if one of your hires injures other employees, especially if you could have foreseen a problem but did not do a thorough check of the new employee before hiring. The following list of five essential hiring practices establishes the minimum you should follow:

1. Require outside testing.
Allow a competent, impartial professional interviewer to administer both paper and pencil and verbal tests. Professional testing firms can administer valid psychological tests for intelligence, stability, even determinations of addictive or dishonest personalities, as well as skills tests of important technical abilities in your workforce. I find testing often validates a suspicion I already had but wasn't yet ready to come to terms with.

2. Conduct a rigorous personal interview.
This includes asking general attitude questions, how you would manage your boss questions, how you would manage your staff questions, questions relating to the applicant's understanding of the financial workings of a business and your department's role in the business's overall success, questions relating to the applicant's ability to set goals and his or her expectations about achieving goals, questions relating to specific skills required for the job, and general communications required by the job.

3. Arrange a peer group interview.
This part of the process encourages applicants to speak more freely and helps determine how comfortable they will be in working with their peers. Follow up with a meeting of everyone involved in the hiring decision to determine if there is a group consensus about the applicant's suitability for work at your company.

4. Do a background check.
Don't neglect this, even if it is an employee's cousin or your competitor's best salesperson. It's very easy to set up an account with an investigative firm online and to relatively quickly and inexpensively find out if the applicant has a criminal record or a history of DMV problems, lawsuits involving previous employers, workers' compensation claims, and so forth.

5. Do a reference check.
You can conduct these over the phone, but they may involve a request in writing.

Reference checking is less effective than it used to be, although you may still find a few people who are willing to talk. Most former employers play it safe and verify only dates of employment and salary. Document that you took all of these steps and you've gone a long way toward protecting yourself against a big legal hassle.


You can generate Worldwide Income From Home.

Saturday, March 8, 2008

A PR Surprise for Managers

Robert, For example by embracing the kind of PR plan that persuades those important outside audiences to your way of thinking, and moving them to take actions that help your department, division or subsidiary succeed. Then by using the high-impact, fundamental premise of public relations to deliver external stakeholder behavior change the kind that leads directly to achieving your managerial objectives. And finally by revving up the creative potential of your assigned PR team or agency and involving them in a way that positively impacts the behaviors of the very outside audiences that MOST affect your unit.

Perhaps then you will find yourself with a basketful of results such as prospects starting to do business with you; community leaders beginning to seek you out; newly arrived proposals for strategic alliances and joint ventures; customers starting to make repeat purchases; membership applications on the rise; politicians and legislators beginning to think of you as a key member of the business, non-profit or association communities; welcome bounces in show room visits; and even capital givers or specifying sources starting to look your way.

Spend a moment here and read that fundamental public relations blueprint referred to above:

People act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done. When we create, change or reinforce that opinion by reaching, persuading and moving-to-desired-action the very people whose behaviors affect the organization the most, the public relations mission is accomplished. This lets you broaden your public relations field of fire, putting its primary focus where it belongs, on your units key external stakeholder behaviors.

A caveat here: be sure that the public relations personnel assigned to your unit really believe deep down -- why its SO important to know how your most important outside audiences perceive your operations, products or services. Be certain they accept the reality that perceptions almost always lead to behaviors that can help or hurt your unit. Review with them your blueprint for monitoring and gathering perceptions by questioning members of your most important outside audiences.

Questions like these: How much do you know about our services or products and employees? How much do you know about our chief executive? Have you had prior contact with us and were you pleased with the interchange? Have you examined out unique product benefits?

Focus on what their primary objective is in their mission statements and target your message for individual leaders. You will get an unprecedented response to this individualized effort for the primary marketplace you are seeking....

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Friday, March 7, 2008

How To Create A Mission Statement

Your mission statement should:

Include the reason for your business.
Identify your firm's unique 'value added.'
Reflect your firm's core business activity.
Provide a focus.
Identify the purpose you fulfill.

Step One -- Develop your mission statement by identifying: Stakeholder(s) Products and Services Unique Value Added Stakeholders - Those people who are directly affected by the company's successes and failures. Stakeholders could be employees, internal customers, organizational customers, external customers. Products and Services - Items that you produce for your customers.

Products and services might include consulting, training, products or services for individual use, products or services for business use. Value Added - The key advantage you provide over the competition. Why would a customer come to your company for service? What makes your company special?

Step Two -- Construct A First Draft. The [your company name] meets the [your products and services] needs of [stakeholders] by [value added].

Step Three -- Refine the Mission Statement. Is it too wordy? Is it brief and to the point? Will employees remember it? Would it make sense to your stakeholders? Is it a true mission statement and not a goal? Does it inspire your organization? Does it describe your business focus and effort? Is it unique?

Step Four -- Make It Visible. Post the mission statement for easy review by all employees and customers.

Step Five -- Live it! This step will be easy if you've involved your entire group in the process. About The Author, Small business expert Denise O'Berry helps business owners take action to grow their business. Find out more at http://www.deniseoberry.com ...

Everything is installed and configured for me to generate multiple streams of income from Worldwide Income Sources.

Thursday, March 6, 2008

You can generate Worldwide Income From Home

You can generate Worldwide Income From Home.

This is my Global Financial Adsense Empire powered by The Home Income Portal. Everything is installed and configured for me to generate multiple streams of income from Worldwide Income Sources. Get your Home Income Portal Today.

subscribe here

A Complete Home Income Portal creating income from working at home. A Worldwide Retail Empire that generates income from retail sales to a market of a billion hungry consumers and more.

This Home Income Technique is extremely powerful, and it integrates with your surfing habits. You simply leave your Home Income Portal home page URLS everywhere you surf.

Multiple Income Streams at Trafficswarm, webdawg, pageswirl, ebay, amazon, regnow plus your very own products like Traffic Magnet, Banner Fiesta, and ebooks superstore.

Sales are generated from Traffic streaming in from a market infrastructure on blogs, myspace and a Worldwide Home Income Portal delivering products and services in their local community.



Wednesday, March 5, 2008

How To Prepare For A BIG Pay-Off When You Sell Your House

Feature what the buyer wants. Then do the things that will make her comfortable being in your house. And make sure you think about what can be done to improve the environment; so you can make cost effective choices for repairs and upgrades. Use our priority checklist below:

a. Thoroughly clean the kitchen. Then move on to the bathroom, closets, furniture and storage areas.

b. Fix up the house interior, but watch your spending! You'll be surprised at how quickly the costs add up! Spend money only on items that will increase the value of the house more than your costs.

To learn how to make thousands of dollars in profit from fixing up your home go to: http://www.fastfixerupperprofits.com

c. Fix up the exterior of your house by tidying up the yard, fixing cracks in the driveway and making sure the windows and doors open easily. Spray WD40 on all hinges. Also, check that the exterior lights and doorbell work. Power-washing the driveway and porch can do wonders.

2. Select a realtor who is willing to learn why your house is worth more than the competition. Interview several realtors until it becomes obvious who knows their stuff and who doesn't.
Since a house is usually the biggest investment in most people's lives, there could be some intense moments in the negotiation process. Be sure you feel comfortable with the realtor as a person.

3. Set a starting price and the lowest price you will accept.
If you have lots of time to sell your house, you can start the price slightly higher than market value.

If your start price is too high, your house won't sell, or the bank won't finance it. If you reduce the listing price later, other realtor's will think there is something wrong with your house and will only bring bargain hunters.

A realistic price is the best place to start.

4. Negotiate the listing realtor's commission and the selling realtor's commission. If the commission is too low, realtor's will spend less time promoting your house. If you are in a hurry, or if you want better service, you are better off increasing the commission by $500 rather than reducing your price by $5,000.

5. Develop a features and benefits checklist for realtor's. They see so many houses that after a while they all look alike. A written summary of strong points of your house helps the realtor justify a higher price when presenting to the buyer.

6. Develop a lifestyle oriented features list of your house and surrounding area. A pictorial collage of two or three pages will help increase the desirability (and higher value) of your home.

7. Just before a showing make sure everything is well dusted, all the lights are on and the windows are open, if weather permits. Use a neutral deodorizer just before the buyers arrive. Lighting a candle is very effective in eliminating odors ...

Don't forget your patience in today's difficult selling environment. Things will get better. This is my Global Financial Adsense Empire powered by The Home Income Portal.

Tuesday, March 4, 2008

HASSLE-FREE HOMEBUYING

In order to sell your home, there are 2 things you can do to make every step run smoothly. The first is to select a professional agent who knows the real estate business. Who knows your local market, has both a solid reputation for integrity and a solid record of success, and clearly is eager to respond to your needs.

The second is to make your agent your teammate in the literal sense of the word, using teamwork to be sure that the house you ultimately buy is the house you've always wanted. Making your agent your teammate requires choosing an agent you feel able to trust both as a person and as a professional. And that's no small matter.

In real estate as in all areas of business - as in all aspects of life, actually - trust can make all the difference in the world.

True teamwork is nearly impossible to achieve unless you stick with one agent throughout the buying process. By all means you should shop around - and shop around carefully - when you're still deciding which agent to work with. Once you've made that decision, however, don't reverse it unless (and this rarely happens to people who are careful in the first place) something specific happens to make it clear that your choice was unwise. Teammate status is all the motivation a first-rate agent needs to go all-out in finding houses that suit your needs.

And if you're concerned about what it is you're looking for and how much house you think you can afford, your agent can save you huge amounts to time and effort. If you're not sure how much you can afford, be candid with your agent about that, too.

He or she can provide you with some helpful preliminary guidelines and can put you in touch with mortgage lenders who know how to get you focused on an appropriate price range. It's always a good idea, as you look at listed homes, to give your agent a lot of feedback on what you've seen.

Good feedback will refine and sharpen the agent's understanding of your likes and dislikes, which in turn will make it easier to find the house of your dreams.The ultimate payoff, once again, is that you get to your goal more quickly, expending less time and less effort along the way. Anyone who have ever done it this way will assure you of one thing -- it pays off.

by W. Troy Swezey HASSLE-FREE HOMEBUYING

You can generate Worldwide Income From Home. This is my Global Financial Adsense Empire powered by The Home Income Portal.

Monday, March 3, 2008

PR is Essential to your Success

PR is more than image advertising. Effective PR consists of fixing problems within your business and then letting the affected people know about it.

Targeted specific PR campaigns. Internal changes should be made in your business and then spread the word about what is new to fix existing problems. Targeted PR is a good way to "work on your business" instead of getting caught up in the day to day tasks of running your business.

Do that by persuading those important outside folks to your way of thinking, then moving them to take actions that help your department, division or subsidiary succeed. The road to that success is filled with potholes, but you'll never feel them if you have the right road-map. Like this one: people act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done.

When we create, change or reinforce that opinion by reaching, persuading and moving-to-desired-action the very people whose behaviors affect the organization the most, the public relations mission is accomplished.

Where can such a blueprint take you? Maybe to more qualified proposals for strategic alliances and joint ventures; or to big givers looking at your 501-c-3; or to interested specifying sources requesting more information; newly qualified prospects showing interest; a big jump in sales floor visits; more requests for membership applications; repeat purchases reappearing; political figures taking a closer look at your unit as a key member of the business, non-profit or association communities; not to mention new contacts from community leaders. As that business, non-profit or association manager, there are two steps you should take asap.

List those outside audiences of yours whose behavior helps or hinders you in reaching your objectives.

Then note how severe their impact is, and we'll take a shot at the target audience you show as number one. Sad to say, you probably haven't assembled the information that tells you how most members of that key outside audience view your organization. So, presuming there is no sign of a large professional survey budget in your shop, you and your colleagues will have to handle the job of monitoring external audience perception by asking the questions yourselves.

Interrogatives such as "Have you ever met anyone from our organization? Was it a satisfactory experience? What do you know about our services or products?" Stay alert for negative statements, especially evasive or hesitant replies.

And be on the lookout for false assumptions, untruths, misconceptions, inaccuracies and potentially damaging rumors. Any of those must be corrected because we know they usually produce negative behaviors.

Now you must decide which of these nasties is the most dangerous at this moment and correct it before it really starts to hurt. In other words, once you select the target audience, do everything reasonable to solve their objections. Make sure to put the solutions into effect to correct that particular PR problem. Give it some time before putting that audience back on to the list to re-evaluate the solution you've implemented.


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Sunday, March 2, 2008

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Saturday, March 1, 2008

Real Estate Bankruptcy

Upon learning of the bankruptcy filing, a secured creditor has a number of available options, all or some of which should be exercised, depending on the facts of the case, to maximize loan recovery.A lender can ask the court to dismiss the bankruptcy case as a "bad faith" filing. A creditor asserting bad faith must prove the subjective bad faith of the debtor and that any reorganization by the debtor is objectively futile.

For subjective bad faith, the court will examine whether the debtor invoked the protections of the Bankruptcy Code without either the intention or ability to reorganize its financial affairs. To determine objective futility, the court will examine whether there is indeed a "going concern" to preserve and whether there is any realistic chance for the debtor to reorganize. Most courts require a very strong showing to dismiss a case for bad faith at the outset of a case.

Under the Bankruptcy Code a motion for relief from stay will also be granted where the secured creditor can prove that there is no equity in the real property over and above the secured claims, and that the property is not necessary to the debtor's effective reorganization.

This basis for relief is typically alleged as an alternative to bad faith, in the same motion. Almost all controversies surround the value of the real property, making the expert report and testimony of a licensed real estate appraiser essential to the successful prosecution of a motion for relief from the automatic stay on these grounds. The same factors relied upon to support objective futility in the bad faith filing analysis are used to establish that the property is not necessary to an effective reorganization. An alternate ground for relief from the automatic stay is lack of adequate protection of the secured creditor's interest in the property.

For example, if the real property is deteriorating in value and the lender is not receiving post-petition payments, the lender's security interest in the property is not adequately protected. A creditor holding a properly perfected assignment of rents has a lien on "cash collateral" under the Bankruptcy Code.

If the assignment of rents was properly perfected pre-petition, it usually attaches to the post-petition rents generated by the debtor's real property. A debtor may not use cash collateral without either a court order or the consent of the secured creditor.

While it is common in nonsingle asset realty cases for a debtor to negotiate a cash collateral ...