New Business – Latest 7 Practical Ways to Explode Your Business From the Start

Posted on June 24, 2017 by

Here are some practical ways to put your business into overdrive:

1. Have a reality check and analyze your business's current status. Establish key metrics, review the competitive landscape, understand your review margins and cash flow, use online analytics, consider customer surveys, and check previous additions from your old business plan. If your analysis suggests that your business is in bad shape, you will need to formulate strategies to get back on track and to realize your business' goals.

2. Open another location. Well, what other way to boost your business than to expand it? However, you can only take this step if you are 100% sure that you have maintained consistent bottom-line profits and there is a steady growth for the last 2 years. Things to consider are the locations, forming a new management team, and financial backing.

3. Open your business for franchise. This is another great way to grow your business. If you have already established a following or if your products are known to sell like hotcakes while in the online or offline arena, you can open your business for franchising. People will pay you good money just to use your business name and sell your products.

4. Tie up with other business owners. You can work together with business owners who are selling products or services that compliment yours to boost your sales and revenue. For example; If you are offering swimming lessons, you can tie up with those people who are selling swimming gears. When your prospects sign up with your services, they can get discounts with your partners and vice versa. This can certainly help you attract more interested clients in no time.

5. Export your products off shore. This is another way to boost your sales and revenue. You may consider selling your items to other points of the globe. However, before you do this, you will need to do thorough research to make sure that your products will sell well abroad and that this can bring more profits to your business.

6. Explore other markets. Ask yourself, are there other people (near your target market) who might be interested on what you offer? You might need to tweak your products or services a bit so you can make them look more enticing and valuable to other people.

7. Win a government contract. This will surely put your business into overdrive. Did you know that that US government is the largest buyer in the world? In 2002 alone, it has spent $ 235 billion on goods and services. …

Third Mortgage Loans – A Few Things to Know about 3rd Mortgages

Posted on June 23, 2017 by

Third mortgages are loans that are subordinate to the existing first and second mortgage loans. Though, third mortgages were common in the seventies and eighties, the savings and loan scandals changed the course of home mortgage loans.

Nowadays, it is rare to find home equity lenders offering third mortgages. You can find properties that have two to three mortgages or land contracts at the same time. Lien position is required mainly because in case of a foreclosure, the legal entities identify the mortgage lenders to be paid first, depending upon the lien position on title. There are a number of home equity lines considered to be third mortgages.

Similar to fixed rate third mortgages, it is difficult to locate a broker or a bank that would provide you with a secured line of credit in the third position. However, it might be possible provided you have equity in your home and you wish to leave your existing first and second mortgages out of refinance. Only then you can get cash through the third mortgage credit line. Third mortgage loans have a number of benefits. They offer a number of options, debt consolidation loans, third mortgage refinance, third mortgage lines of credit and more.

You can enhance or at least maintain the value of your home by financing home improvements with a third mortgage. The mortgage rates are generally low when secured by home equity loans. Moreover, tax laws allow you to subtract the second mortgage interest in certain cases. You should also research properly the lenders, to find low rates and fees. Before searching for financing for your home repairs or remodeling projects, always draw up a realistic budget along with the estimated cost overruns. Once you finalize the type of financing you need, shop around for the rates and fees and identify the best possible deal.…

The Best Way to Make Money From Money

Posted on June 22, 2017 by

What is the best way to make money from money? There is that old adage, "It takes money to make money," and to all appearances that is very often true.

Let us say that money is conceived as tied up in capital investment and social values such as building walls, transportation, education and on-the-job training, inventory, research and development, time spent networking, civic infrastructure, work ethic, optimism, Health, and so on as well as currency and liquid asset. How does one make money in the absence of these things? Or more narrowly, how does one make money without currency and material things?

No can do.

So again, what is the best way to make money from money? Various principals come to mind.

1) Find out what other people will buy. Someone has suggested that the customer is the best marketing expert. The temptation, of course, is to get this backwards. I buy what I like. I invest in what I like. I go all romantic on the business opportunity, the "can not lose" investment, the golden product … and only afterwards do I think about what other people like. And what they will buy.

Even when we are aware of the principle, getting it backwards is easy to do. And you may indeed like what others like. But you get the idea. "The fool and his money are soon parted," but the wise find out what people will buy before they find a way to give it to them. Bet on the horse running downhill, not the one puffing uphill.

2) Look before you leap. Do your research. Test small before going all the way. Yeah, this is like the first point, but broader. We may not have a crystal ball, but we can look at history. Company reputation. Demografshics. Trends. Traps. Financial fundamentals.

If you want to make money from money, it does not have to be a glamorous process. It just has to work. And you have to make it work. Research first.

3) Of course if you have money, you can pay someone to do such research for you, to find the markets and the opportunities. But at some point you need to sail familiar waters, even if it is knowing who and what to trust. Would you rather make money in an area you know or fly blind?

A lot of faces can look beautiful at a distance. Up close, you see the pimples and wrinkles. Do not marry an opportunity at a distance. Prefer the business you know.

4) Invest in what you enjoy. I know. This sounds like a contradiction to the above. Hang on.

A dog-demon gives cartoon character Dilbert a choice: (1) Work for a charity and do all kinds of good, but live in poverty or (2) Make all kinds of money, but see your labors burned to ashes at the end of Each day.

A lot of us do not like our work. We tolerate it in order to make …

Check Cashing Business in Florida

Posted on June 21, 2017 by

Starting a check cashing business in Florida is a process that requires several steps that must be planned before filing for the license, and risking a loss of money and time.

The check cashing business in Florida is profitable but at the same time it is a risky business which must be minimized through the adoption of special measures and procedures.

It is important to obtain proper advice from experienced and qualified professionals to avoid expenses and delays to obtain a check cashing license.

Obtaining a check cashing license in Florida, known also as an FT3 license, requires several steps:

The first step is to register with the federal government as a Money Service Business (MSB). This process is done electronically, and in order to file said registration any new applicant must set up an account with the U.S. Treasury Department’s Financial Crimes Enforcement Network, commonly known as FinCEN. The registration is done through form FinCEN 107.

Registration with FinCEN places the company under the Bank Secrecy Act (BSA) laws and regulations. Those regulations impose several requirements on the company. One of those requirements is to develop and implement an Anti-Money Laundering (AML) program which must contain policies and procedures that the company will implement as part of their check cashing operation. Some companies tend to use AML programs devised for other type of financial services such as money order sales or money transfer services. However those programs are inadequate for check cashing and they do not meet the requirement of the BSA for a check cashing operation. Another requirement is to designate a compliance officer. This person is responsable to ensure that the AML program is being thoroughly implemented. There are other BSA requirements which must be met, and therefore the compliance officer and employees of the company must be aware of said regulations.

After the FinCEN registration has been confirmed, an application with the Florida Department of Financial Services, Office of Financial Regulation (OFR) must be filed. This application contains several parts, and must be filed electronically. As with the FinCEN registration, the applicant must set up an account with the OFR’s Real System for thie purpose. It is extremely important that all information requested be provided in a complete and accurate manner to avoid delays in the process. In our experience the vast majority of delays in obtaining such a license come from errors in the original application form. Several documents must be attached to the application, among those is the anti-money laundering program which must be previously drafted. Another form that must be submitted is a fingerprint card for each of the individuals included in the application, which will be used for a background check conducted by the Federal Bureau of Investigation.

Once the license is obtained it is important to keep present that the State of Florida has multiple requirements that must be met by check cashers. Also the check casher is subject to audit examinations to verify that the company is operating with the …

Money Management And Investing

Posted on June 20, 2017 by

In this article we're going to go over strategies for money management as applied to investing.

These days with rising costs and salaries that do not seem to rise in proportion to those costs, it is rare to even have any money left over to invest after the bills are paid. However, if you are one of those fortunate few who does have some money to play with, here are some tips for managing your money in relation to your investing.

The one thing you do not want to do is use any more money for investment than you can afford. So the first thing you have to do is figure out how much you will need to pay the mandatory bills. Then you need to figure out how much you want to add to that amount so you can live the life style you are comfortable with. Finally you want to add about 2% of your yearly salary to that amount for emergencies because they can and do pop up.

What's left over is what you have to invest with yearly.

Divide this amount up into quarters. Let's say you have $ 10,000 that you can comfortably invest in a year. By comfortably, that means you should lose that money it will not put you in hardship. Okay, you now have $ 2,500 to invest each quarter. There is a reason you want to do this by quarters.

The next thing you want to do is decide what you are going to invest in. This is where most people fall into the trap of throwing all their eggs in one basket because somebody told them about a "sure thing." There is NO sure thing when it comes to investing unless you are putting your money in a low yield savings account. That is not investing. That's saving and actually with today's interest rates that's letting your money just waste away. There is almost no benefit to placing your money in a savings account, even a short term CD. The rates are pathetic.

What you want to do is take your $ 2,500 and break it up into 3 parts of $ 833 each. After doing that you want to take one part of your investment money and put it into something relatively low risk, like bonds. Current bond interest rates are between 4 and 6%. As for the term, that is up to you. Some people like 30 year bonds that will provide for their retirement years. Other people like bonds that will give them a return in a year or so. Choose what is right for you.

After you choose your low risk investment, then go for something with a little higher risk with your next $ 833. Maybe something like a mutual fund. Mutual funds are a little more risky because they are a combination of stocks and bonds. Because the mutual fund is diversified in itself, this cuts down on the risk. If one part of …

Unclaimed Life Insurance Money – Are You Owed a Payout?

Posted on June 19, 2017 by

Unclaimed life insurance money is serious business. But not in the way that most people are led to believe. Just because someone had a life insurance policy and died doesn’t mean that their beneficiaries automatically get the money that the deceased wished to leave them. Somebody who is still living after the insured’s death had better know where to find that policy and documented proof of the insured’s death, or else there might be serious trouble with getting the claim paid by the life insurance company.

Make no mistake–companies are in business to pay claims and that’s what they will try to do. But they aren’t in the business of being taken for fools. An investigation will ensue when a death claim and insurance payout claim are made to them, and if they can’t clearly see the evidence of the legitimate claim being made then there might be some unclaimed life insurance money–which the company won’t necessarily get to keep, but which also won’t necessarily go the beneficiaries. This is really a matter of making sure that the right people justifiably get the right amount of money.

Now, what might you, the insured living, do to make sure that your death benefit money that you’ve paid for goes to the right people at the right time in the event of your death?

Make sure that you update your mailing address with your employer and your company if you move.Someone in your family, or perhaps your best friend, needs to know that your life insurance policy exists and they need to know the places to look for it if you die.If you have a will, the life insurance policy needs to be mentioned in there.If one of your current beneficiaries dies, you need to update your policy with your insurance agent.

If the insured dies and the life insurance company isn’t notified, but it notices that the premium payments suddenly end, there are certain actions that it will take.

A letter about the problem of no premiums will be mailed to the insured’s address.If there’s no response to the letter, telephone calls or agent visits will ensue.If the insurance company finds out about the death, it then makes all efforts to find the beneficiaries. NOTE: If the insurance company cannot secure positive evidence that the death actually happened, the company keeps the money.If after three to five years (depending on state law) no beneficiary claims the money, it will be released into state government custody, where it can still be claimed.

If you’re certain of being a beneficiary or you’re an executor of the dead person’s will but he never told you where to find the policy information or even the name of the company, the life insurance money can still be successfully claimed if the right actions are taken. Remember, insurance is not the least bit sexy. People tend to get their policy, file it somewhere, and then forget all about where they put that dull little booklet; they just …

Learn E-Currency Exchange To Make Money: Is this a Scam?

Posted on June 18, 2017 by

Should you attempt to learn e currency exchange trading if the system a is just scam? Is what many courses like Matt Gagnon's mazu are promoting a scam? If not, why are there rumors of e currency exchange being a scam?

If you have asked yourself questions along these lines then I highly recommend you keep reading my review for whether you should learn e currency exchange or not.

First of all, let me clear something up for you. If you've heard about the e currency exchange system being a scam, chances are you heard of it related to comments from Matt Gagnon from Mazu.

Here's why I say this:

1. Matt Gagnon was the first person to create a course for people that wanted to learn e currency exchange. His website is very popular, which leads me to the fact that …

2. He sell outdated courses. He was the first one to create a course, and he never looked back on it. When you learn E currency Exchange you know this is a system that evolves constantly. Since Matt Gagnon from mazu does not update his course, the system he lectures no longer works. This mean upset customers, and on top of that …

3. Mazu does not refund people's money. Making it in the eyes of someone who has just bought their course, a scam. This is what many customers say when they review mazu.

The fact that when you want to learn e currency exchange you can make very good money without really working, mixed with the fact that the best selling course about the subject is a scam as many mazu customers review it, then that makes it very easy to Believe that the entire e currency exchange system is a scam.

However, the reality about how the e currency exchange system works is entirely different from what Mazu's Matt Gagnon lectures.

First of all, let me state that from my experience and many others which I personally have heard, it is possible to make good money with the e currency exchange system. The whole system is as good as many people set it out to be.

Meaning the following things:

1. Exception when you're just starting to learn e currency exchange, you really do not need to put in more than 30-60 minutes a day to be profitable. After you've done with the learning curve, things become much easier to exchange e currency.

2. You do not need to work when you want to learn how to make money with e currency exchange. This really requires no selling, no marketing of any sorts, and it just takes your checking up on your daily profits and taking a few moments to reinvest them to see even more profits. I understand why this is hard for some people to believe so they call it a scam.

3. Dxinone (the company that does the e currency exchange) is a company that keeps growing and laTely has implemented …

Class Action Settlement Unclaimed Money

Posted on June 17, 2017 by

Class action lawsuits within a wide range of industries, products and services are a large and growing source of unclaimed funds. Each year hundreds of companies are involved in class action litigation. These fall into a number of broad categories including: Securities Fraud (insider trading and mismanagement)

Consumer Protection (fraudulent marketing)
Public Health (tobacco)
Antitrust (unfair business practices and price fixing)
Human Rights (unfair practices and discrimination)
Environment (pollution)
Product Liability (defective products causing or involving personal injury)

Recent class action settlements have exceeded $ 11 billion ($ 5 billion in 2006 alone), yet more than half of those entitled to payment fail to file a claim.

Current and former customers and stockholders in over 2000 companies are entitled to receive unclaimed class action settlement payments. Legal notice of class action claims eligibility is often buried deep in newspaper classifieds. If you've moved, physically hold stock certificates, or hold stock in street name and switch brokers, you may not be informed.

Even if a product was used years ago or stock has long since been sold, class members may be eligible to receive cash, credits, shares or dividends in companies like AOL, AT & T, Ford, GM, Dow Corning, Coca Cola, NASDAQ, Publishers Clearing House, Bank of America, MCI, Merrill Lynch, Schwab, Wal-Mart and hundreds of others.

If you a current or previous customer or stockholder in a company named in a class action lawsuit, you must file a claim to receive your share. Because many class actions are filed in federal court, settlement payments to class members will not show up in a State Unclaimed Property Division search and unlike most other unclaimed money there is a time limit by which the settlement must be claimed. …

Marketing Strategy

Posted on June 16, 2017 by

In simple words, a marketing strategy is the HOW and WHY of a marketing plan. Marketing strategies need to be based on good plans, without which you will lose direction and focus. Here are a few tips for creating market strategies.

Start with Vision and Mission

Vision asks the question: "What do you want to become?" As the leaders and thinkers in the organization, foresight is very important as it defines any action that should be taken from that point on. Mission asks the questions, "Why do you exist?" As well as "What steps are you willing to take to achieve your goal?" This takes into consideration the present situation, as it reflects strengths and weaknesses that help you make a solid assessment of where you are at the moment.

Look outward

Be aware of trends in the market, as well as other outside factors that might affect it. Taking a global perspective into consideration allows you to think creatively and beyond the sphere of what you are comfortable with. Being a keen observer prepares you for any changes in the market.

Look inward

Make an assessment of competitors and threats, keeping your friends close, but your enemies closer. Nothing is more thrilling than knowing how to adapt to competitors who are willing to fight tooth and nail for your precious market share. Know what you are up against so you'll never be a step behind.

Be innovative

Lastly, after gathering all the data, plan your marketing strategy and learn how to think outside the box. Successful strategies have been borne out of creative minds that were willing to make a difference when everyone else was doing the same thing. Although some cut-and-dried strategies have worked, it takes an ingenious one to put you at the top. Do not be afraid to be different. …

The 12 Benefits of a Marketing Consultant

Posted on June 15, 2017 by

Small businesses typically do not have the budgets for marketing managers or marketing managers. And most importantly, they do not have the budgets for marketing mistakes or advertising that does not pay off. Yet many small business owners attempt to do their own marketing which most often is insufficient, misdirected and does not usually pay for the investment.

On the contrary despite, most small businesses do have the budgets for marketing consultants that offer hourly sessions. And often, just a few hours of marketing advice from a good marketing consultant can be very lucrative for a business.

Effective marketing is much more than getting postcards made, having a good-looking website, or placing ads. Effective marketing is about prompting customers to take action in the manner in which you want them to, when you want them to. And it is important that your customer feel that they are getting the best value possible, and that you will stand behind them with a guarantee of total satisfaction after the purchase. To apply these approaches to all your marketing efforts and have them be effective, is not simple or easy. It requires testing, tracking and intructing planning. This is where the knowledge and creative expertise of a marketing consultant pays off.

A marketing consultant can:

• Teach you what you need to know before you begin a marketing plan
• Clear the mistakes that 95% of business owners make when marketing their products
• Determine which marketing mediums will be most effective for your business
• Teach you the critical elements of a compelling marketing message
• Make you aware of the single big mistake that small business make with their marketing messages
• Teach you the two most important referral programs that every small business should be using
• Show you a simple method for reactivating old customers
• Show you how to profit from your customers without even bringing them back to your business
• Teach you what you must know before you give away any freebies
• Teach you how to make your guarantees generate revenue for you
• Show you where to place your advertising for maximum exposure
• Give you the 7 most important elements to have on your website home page

And much, much more … …