By david | June 27, 2008 - 2:38 pm - Posted in Uncategorized

It is my contention that certain Massachusetts laws regulating foreclosure of homes do not meet the standard set by the due process clause of the 14th and 5th Amendment of the Untied States Constitution. More specifically, M.G.L. 244 § 2 is so narrowly tailored that a bank conducting a foreclosure by entry is not required to even provide actual or personal notice to the owners of the property. As a matter of fact, the law is written in such a way as to state all a foreclosing bank needs to do is draft a certificate and file it in the local registry of deeds. The bank never has to so much as send a letter or even place a phone call to the homeowner or any junior lien holders letting them know that the bank intends to foreclose on the home.

By this logic, a home owner or junior lien holder has no way to reasonably know of its right of redemption with out proper notice. The law would seem to create the duty for a junior lien holder to constantly monitor all of its debtors filings at each and every registry of deed where the creditor holds liens.  As such, to hold that no personal notice is required to be provided to a holder of a right of redemption is be not only prejudicial, but also unjust and unfair with in the meaning of the Due Process Clause of the United States Constitution.

It would appear that the Massachusetts foreclosure by entry law allows a senior lien holders to withhold notice in an attempt to limit a junior lien holders ability to effectuate its legal rights.

The forgoing article was written by Michael Goldstein for the Law Office of Goldstein and Clegg, a Massachusetts Bankruptcy law firm.

By david | June 23, 2008 - 2:39 pm - Posted in Uncategorized

Okay, so you concentrate for ½ hour and then you decide to take a shower. There you are, singing the latest country song to the shower head in your hand and your brain taps you on the shoulder and whispers in your ear: “I got another fantastic idea!” And you say: “What?! Now?! Wait, wait…” Of course, that’s what happens. The best ideas always come in the middle of the night or some other inconvenient time. Well, be prepared. You didn’t spend 30 minutes of your time to get your brain to work for you and then decide you can’t be bothered with the answer.
Audio Recording Devices

You can take advantage of those brainstorms by getting a small micro cassette audio recording device that can help you store that information for later use. These devices are highly portable, making it easy to take with you anywhere. An extension of this, for people who don’t want to have to transcribe their thoughts into written format is to use voice recognition software to help with managing your brainstorms. Some good products are Dragon Naturally Speaking or IBM’s ViaVoice.

Journals Or Notebooks

You can use a journal by the side of the bed to jot down ideas that come to you in the middle of the night. You can even use this method in the car, if you don’t try to write while you’re driving. Just have a small notepad available to jot down ideas that come forward from your subconscious after you’ve set your intention. This is a very inexpensive way to keep track of your ideas when you first start.

PDAs

Personal Digital Assistants are like an electronic notebook. They’ll obviously cost more than just a pad of paper, but many people swear by them. They sort of bridge the gap between getting your words in a format that can’t be transferred to your computer easily because you can synchronize and upload what you write in them to your computer. You will really have to justify paying for these fancy little toys as they can cost several hundred dollars. You won’t be able to sketch any pictures for your ideas, but that may not be an issue.
Send Yourself Reminders

If you have voicemail or email you can send yourself reminders. Just open up your email program and send yourself and email. The nice thing about this is that you can later file it in an ideas folder. The same can be done with voicemail if you have a way to leave yourself a message. The problem with some of these solutions is that ideas don’t normally show up just when you sit down to the computer or when your phone is handy.
Be A Copy Cat

Having trouble getting inspired for even 30 minutes? Why not check out what your competition is doing? If it is driving up their sales odds are the same strategy will also work for you. There are plenty of people who have made lots of money just copying other people. Japanese goods used to be mocked as cheap knock-offs until they started making copies that were even better than the originals! Then, they not only competed better in the market, but they made a ton of money. You can too. It doesn’t take a genius to recognize a good idea when it shows up, even if it’s not your own.

One word of caution here, though. You don’t want to blatantly take someone else’s product and put your name on it. This is copyright infringement and you could be sued. If you bought resell rights, you still need to make sure you stay within the terms of the agreement. You might be required to sell the product for a particular price or keep the original creator’s links or information within the product. Always stick to the terms of the license so that you don’t end up regretting it later.
Who To Copy

Don’t just copy anyone, copy people who are successful marketers and networkers. This is easy to do if you join any of the social networking sites (some are listed in the resource section at the end of this ebook). All you have to do is see how many friends they have and if they are using their profile to promote their businesses. Then, you simply copy what they are doing.

You will find that these marketers all have on thing in common: They use the power of the Online to spread news about their offerings to everyone and everywhere. When they put up a blog post, they link it in to several different areas where there are people who might read. They use newsfeeds. They bookmark their sites and content in various areas from digg.com to del.icio.us. Although it takes a few extra minutes of their time to do this, the reward for added exposure makes up for it in spades.

Keep visiting these people to see what new tricks they come up with. They may do all the research for you and you just simply copy what they do. They will probably be interested in learning what new applications work best for promotion and add them into their profiles. Your newsfeed will let you know what they are adding in Facebook and you can simply check out what they are adding and see if it will work for you. Odds are, it will.

Do you want to learn more about how I do it? I have just completed my brand new guide to article writing success, ‘Your Article Writing and Promotion Guide’

Download it free here: Secrets of Article Writing

Do you want to learn how to build a big online subscriber list fast? Click here: Secrets of List Building

Sean Mize is a full time internet marketer who has written over 9034 articles in print and 14 published ebooks.

By david | June 19, 2008 - 2:38 pm - Posted in Uncategorized

We just received our contract price for fuel oil for next heating season and the price was $4.90/gallon. Our contract price for the 2007-2008 heating was $2.79/gallon. We used around 1,000 gallons to heat our home. We are not going to pay it! We have purchased a wood pellet furnace and bought 5 tons of pellets which should cover the majority of the heating season. Our pellet furnace, which is listed as carbon free, will be paid for in savings in one season! The pellets, at current prices, will save us some $3700/year. Assuming costs will rise proportionately, the pellets will always save us thousands of heating dollars every year while at the same time adding basically 0 carbon to the atmosphere.

Consumers are going to have to change their spending habits. Since the pellets are produced in Maine, it makes sense to alter our spending and use what makes sense for our region. This same approach would be wise to follow elsewhere. We have become so accustomed to mega-solutions that we have ignored a more rational regional approach to meeting our energy needs. While solar is certainly viable just about anywhere, at least as back-up power, it would seem to make sense to use it as a primary power source in sunnier regions. Wind turbine generators may be more viable in certain regions as would hydro in others.

It is no longer a question of being weaned off of oil imports. That option has passed. We have been hit upside the head by the oil rig 2×4 and the consumers must respond accordingly. While we can hope that a new administration will help our transition to more viable and environmentally friendly power supplies, don’t hold your breath. It could take years before the politicians, regardless of who is elected November, to make any kind of transitional financial support available. The power of oil is too entrenched to think that all will be right when we have a new president. Time is not on our side. If we wait for Washington to act, we will have lost the planet to the cockroaches. Smart money says bite the bullet and find alternative energy sources now. Buy high fuel efficient cars now-unfortunately they will probably have to be foreign since Detroit is still in its own dream world. And, while auto-makers are cutting back on making the big gas eaters, along with job losses, they do not get high marks for coming out with an affordable line of fuel efficient cars. Some of their hybrids to not get as good fuel economy as regular foreign imports and as usual; they will lag behind in innovation. Not sure what will come of it but the BBC had a report of a British auto-maker producing a gas vehicle that gets 80mpg. Apparently this is done by drastically reducing weight by using carbon fibers for the body work. Perhaps this is what we can do with all of the excess carbon, make cars with it.

On another front, the soaring cost of food has at least partly been attributed to the rise in the use of bio-fuels. “The food price index of the UN’s Food and Agriculture Organization (FAO) rose by a steep but manageable 8% in 2006, but then much more sharply - by 24% - in 2007, and 53% in the first three months of this year alone - an unprecedented rise.” If you have shopped recently it is clear that prices are going up and as you know, once they are up, they tend not to come down too far. With gasoline basically at $4.00/gallon and a forecast of $5.00/gallon by September, it is clear that the consumer must act now to head off their own demise.

According to Michigan Business (5/31/08) “The steepest run-ups in food prices since 1990 are hurting grocery shoppers, restaurants and school cafeterias, but they’re making others rich.
The winners in the new food economy include crop farmers selling corn and wheat for near-record highs after years of crushingly low prices. Ingredient makers like Cargill and ADM are rife with profits. Fertilizer and tractor companies are cashing in. Hedge funds who made big bets on rising wheat, soy and corn were spectacularly correct. Oil and gas companies, too - it takes natural gas to cook those Wheaties and diesel to haul them around the country.” Rising food and fuel prices are here to stay and there may even be spells of shortages. The American consumer will feel the bite, but they do not have to take the pain. Prudent and wise spending decisions now can soften the economic blow that lurks very large around the corner. Australian wheat is suffering under drought conditions and who knows what calamities are in store this summer.

Remember, you cannot rely on government to deal with these issues effectively. Just look at Louisiana and the toxic homes FEMA gave to those poor residents as housing. The recent NPR report about formaldehyde poisoning in the FEMA trailers should be a heads up regarding reliance on government. In my book, RAPING LOUISIANA: A DIARY OF DECEIT, government incompetence in dealing with disaster is well documented. Between energy and food issues, it would be wise to plan on how you will get through a not so short term period of economic contraction and transformation. With the power of the purse, the consumer can drive the changes in a way that makes sense. Time to wake up, read the signs of the times and take control of your life.

Mr. Harris was born in Massachusetts. He attended The American University in Washington, D.C. and received his degree in Political Science. His graduate work was done at the University of Northern Colorado and Howard University. He spent several years working for local and regional and state government agencies. He worked on a White House Task Force and served as Rural Policy Coordinator at the FRCouncil of New England.

Mr. Harris is co-author of the novel WAKING GOD and is a nationally syndicated / featured writer for The American Chronicle. His second novel, A MAINE CHRISTMAS CAROL was released by Cambridge Books, his third book, JESUS TAUGHT IT, TOO: THE EARLY ROOTS OF THE LAW OF ATTRACTION (Avatar Publication). He is author of the book, RAPING LOUISIANA: A DIARY OF DECEIT and his two most recent self-growth titles, the “MESSAGES” series were just released by Avatar. See his book titles at http://dickens111.tripod.com/theliteraryworksofphilipharris

By david | June 15, 2008 - 2:38 pm - Posted in Uncategorized

This essay consists of eight parts by which the theory of a humanistic and a true democratic society will be presented in brief. However, each part from this lengthy writing could be read independent from the rest. It is in response to the situation when capitalism will be eventually eradicated as a result of globalization and free trade. This inevitable process was presented in theory in “Globalization and the End of Capitalism,” and with factual documentation in “Globalization and the Demise of Capitalism.” (WWW.democracywhere.com and ) In those two essays, it was presented that as globalization continues, advanced countries such as the United States will face reduced domestic production of goods and services, phenomenal importation of cheaper goods and services from abroad, increasing unemployment, cap in pays, reduced protection in health care and retirement, and consequently, reduced standards of living for over 90% of the workforce and their families. At the same time, in developing countries like China, there will be substantial increase in production of goods and services, increasing demand for employment, increasing wages, health care and fringe benefits and consequently higher standards of living for the majority of population. Ultimately, as a result of fierce competition between global firms, the margin of profit will be continually cut in order to remain competitive to the extent that companies will be satisfied if they come out even with no loss. At this stage, capitalism will be virtually, if not actually, eradicated since despite its continuing profit motive as its end, opportunities will be rare if any.

The urgent question now, before it gets too late, and for the near future is how can this great nation of 300 million rescue itself by, first, discovering some deeply rooted problems, and second, seeking answers for proper recovery and needed transformation to a democratic and just society, effective means to materialize it and be a forerunner as usual by presenting a model for the rest of the world nations. Because of complexity of the issues concerning the problems as well as the future perspectives, the subject matter needs to be presented by several essays under the same topic divided into several parts. The topic selected will be Technological Democracy: A Humanistic Philosophy of the Future Society. Here is Part I.

Who Are We As A Nation?

Human civilization has gone from its primitive barbarism through many stages of development to its present status in which, despite some democratic and humanistic tendencies and pretensions, the character of bestiality and barbarism still prevails in and among many nations.

First, and perhaps the most important, is the nature of ownership and desire for possession. The scarcity in early stages of human life created the concept of property and ownership. If a man killed an animal for food, he was considered to have a right over his kill. But other hungry humans could not see him having all to eat and yet preserve the rest while others were badly in the need of food. Thus, the food, whoever had produced it, was forcefully and frequently brutally shared and consumed. Then came the muscle man who intended to keep his pray, and whatever he had taken from others. Those who dared to force him to share his fortune with the others were brutally banished in individual battles. The others submitted to his power. Later he extended his right of possession to other human beings and subjugated them to his command by force. This was the beginning of the era of slavery which has continued since in different forms. Until the wake of capitalism, kings and nobles ruled with absolute power over property rights, and the rest were either subjects or held property rights at the mercy and pleasure of the ruler. The ruler could confiscate property of anyone and banish him from the society.

Capitalism tended to eliminate this absolute power of the ruler by recognizing inalienability of property rights of every individual. The concept of life, liberty, and property was advocated and advanced. Of course the main purpose was to guard the possessions and persons of the capitalist from being at the mercy of the ruler. Consequently, the absolute monarch systems were abolished and the representative system was established over which the capitalist expected to have controlling influence. This property right and individual freedom became absolute rights and their protection was made the prime obligation of the state. These rights were made to appear universal, covering every citizen, but the main purpose was to protect the capitalistic class, and this goal was achieved in actual operation.

Thus, the capitalist was allowed to accumulate wealth under protection of the state, without infringement on his right to life , liberty, and property. Initially, the free enterprise system or laissez-faire economic concept was favored and sustained. The state was denied power to interfere in the operation of the economy and was given the obligation of protecting the absolute private property right.

Capitalism created a dynamic society by giving each individual the right to his creation and the absolute right for its possession and ownership. It also allowed unrestricted exploitation of workers. This dynamism, during the last two centuries, did cause an unprecedented industrial and economic development. But as capital tended to accumulate in the hands of a few, the societal system tended to become more and more stratified and undemocratic. The primary factor causing capital accumulation was exploitation of labor, which was the essential principle of the capitalistic system.. Exploitation caused a drastic class stratification topped with a small class of economic elite and bottomed with a very large class of people plunged in poverty and despair. Capitalism also created a large middle class which was and is being used by the elite as its main source of capital, management, technological knowhow, administration and maintenance of the state. To expand legal control beyond one’s own possession, and in order to create an open ended access to capital for investment on production and marketing, the capitalist invented an economic institution, the corporation, which has served very well its purpose up to the present. Most of the capital for the corporation comes from the middle class and goes directly under the control of the ruling elite within each corporation known as the board of directors. In its face, like the government, the corporation appears to be a democratic business organization. It consists of shareholders, often numbering in millions, a board of directors as its policy-making body, elected each year by the shareholders in their annual meeting, a president and other chief executive officers (CEOs) selected by the board of directors.

In reality, the incorporating directors, who belong to the elite class perpetuate themselves as board members through the electoral process over which they have full control. Most of the corporation shares are bought in small numbers by the middle class. To succeed in sale, the values of the shares are made affordable even for upper lower class. In general, the value of a share of giant corporations are under $100. This allows even the low income class to purchase a few shares a year.

All this capital goes under the control of the board of directors of the corporation. Each year all the shareholders receive a notice of the annual shareholders convention and an invitation to participate in the annual electoral and policy-making process. Along with this notice the shareholder also receives a copy of the balance sheet of the corporation showing the operational account of the corporation with a favorable return for the investment.

The notice suggest to the shareholder that if he or she is not able to attend the convention, after investigating the balance sheet of the corporation he or she may like to sign and return the enclosed proxy card bestowing upon the board of directors the right to represent the shareholder at the convention meetings and vote on his or her behalf. Those who hold a small amount of shares, say $40,000 out of a small business assets of say $400 million, who also do not find it economically or financially feasible to afford the expenditures of attending the convention, and who are satisfied with the financial report relating to the past year’s operation as presented in the attached balance sheet, sign and return the proxy card allowing the board to vote on their behalf.

Statistics show that only a small percentage of shareholders, around 5 percent, actually attend the annual convention By the time of the convention the board of directors has collected enough shares by proxy to command a safe majority. It reelects its members and votes for its members desired policies. The convention becomes nothing more than a ceremonial gathering and serves no shareholder interest but only those of the directors.

By this process the elite members perpetuate their hold on immense capital of the shareholders and its full control. For example, the family wealth of the Rockefellers is estimate4d around four billion, but the family has full control over corporate assets far in excess of 300 billion, including several giant banks and corporations by occupying membership in the board of directors of these institutions. This is the way such a small group of economic elite sustains its monopoly over major lines of production of goods and services.

Through this economic and institutional power, the elite controls the media of information, controls and manipulates both major political parties, and determines the nomination and selection of the majority of candidates to Congress as well as to the presidential office. It also substantially influences the social processes such as the educational system, even its curricular contents, always preparing ground for better maximization of profits and accumulation of wealth and power. Laissez-faire capitalism has now transformed itself into monopoly capitalism, a true menace to democratic norms and processes, to human well being and preservation of natural resources and environmental quality.

Multinational or global corporations are the result of such concentration of immense capital, resources, and power in the hands of the elite in a global scale. A global corporation is a new monster with hundreds of arms. It is responsible to no state yet has provided circumstances which make it protected by every government in any country where it has expanded its operation.
This advanced stage of capitalism, particularly during the last four decades, by its inevitable process of development and operation, has caused an increasing number of workers to become better educated, and citizens to become conscious of its deteriorating effect on the environment and quality of life; of its increasing hold, through the control and use of technology, on workers as well as consumers; and of its utter disregard for human dignity, well being and life as a whole. Since its entity expands beyond national boundaries, the existing systems of government not only have no full control over it but have become influenced by it and turned into its protectors.

Consequently, democracy in its proper essence has disappeared, leaving behind only a deceitful facade, causing many to believe in its true existence. The global corporation has made all capitalistic democracies essentially outmoded, powerless, and obsolete. There is an urgent need for a new theory of modern state which will liberate societies from the yoke of these giants and establish a truly democratic system that will return power back to individuals, restore and foster human honesty, dignity, integrity and, above all, equality of opportunity.

Looking back historically and critically, all present deficiencies in our modern societal systems are the result of our inherited barbarian characteristics. After several thousand years of organized societal life we humans have not yet been able to rid ourselves from the barbarian and bestial status of our early ancestors. Possessiveness is a barbarian characteristics. We aspire to own things; earlier, we aspired to own even other humans, not just as a means to satisfy our needs, but mainly for selfish ends. As our barbarian ancestors, we pride ourselves in having big muscles and punch someone on the nose whom we don’t like. As barbarian we pay and enjoy watching two boxers demolish one another, we admire bull fights and cock fights where one side has to face torturous attacks until defeated and often perished. With advanced technology in our possession we have even become a thousand times more barbarian. We have fought several bloody wars during the past century, killed over 50 million people, destroyed thousands of cities, nature, and environment for no sustainable humanistic cause but for property, power, and domination over more humans and resources. Just in the past five years, we have caused the death of over 1.2 million humans, 96 percent innocent man, woman and children, and has caused incredible destruction of homes and properties in a small country of 26 million, Iraq, with 4.5 million refugees.

We are still quite far from a truly civilized society where wisdom and fairness take place of force and power; where simplicity of life overshadows its complexities; where we as humans look beyond our own interest to those of others around us, even those far away from us; and where we are fair and affectionate toward the natural environment, plants and animals, and ultimately toward our fragile planet.

None of the existing societal systems has moved us toward this end. We need a societal theory which will open the road toward achieving these humanistic aims, and lead us to a gentle, clean, simple, just and affectionate societal environment.

Professor Emeritus at the University of Wisconsin System,and a Fulbright scholar, a multi-disciplinary, multi-cultural, and multi-lingual scholar with background in Mechanical Engineering (B.S.M.E.), Continental and Islamic Law (Licenciate), J.D. in American Jurisprudenxce, LL.M. in International Law and International Economics, Ph.D. in Political Science, Economics and Administration, and Doctor of the Science of Law (S.J.D.) the highest law degree offered in U.S. Fluent in five languages: English, French, Spanish, Persian, Azeri-Turkish. Elementary knowledge of Arabic, Urdu, Russian and Italian. Patented inventions; an artist, a poet (oil and pastel), a musician (violin), with over 35 years of academic background in teaching, reseasrch and administration, research and cultural studies in many countries in Europe including USSR, Middle East, Central Asia, Northe africa, Central and South America. Author of 8 books and many scholarly articles listed in his website http://www.democracywhere.com

By david | June 10, 2008 - 2:38 pm - Posted in Uncategorized

‘A successful marketing strategy is not based on doing what you like but liking what you do…’

Are you looking for information to build and grow a home-based business? If so, you are in the right place! Here you will find information on implementing a successful marketing campaign and growing your home based business.

The Problem

Many home-based business owners don’t know how to best market their businesses. Some ignore marketing altogether, hoping that customers or website visitors will appear out of thin air. Others market in a scattershot way producing untargeted traffic or unqualified prospects. Either approach will keep you from achieving your business potential and reaching your financial goals and possibly even damage your reputation.

The Solution

Whether you’ve been thinking about starting a home business or you’re already a seasoned home-based business owner, the principle remains the same. Your business’ survival and success rests on how effectively you market your business or product. Examine some of the following marketing strategies and tools to help you boost your home based business profits.

Home-Based Business Advantage

Low overhead costs, no commute to work and the ability to work around your children are some of the few advantages for home based business owners. Gear your marketing efforts to capitalize on these and other home-based strengths including:

Adaptability - Information Technology has escalated the rate of change in the marketplace. To survive and thrive, you must be prepared to act, and act quickly. As a home-based business owner, you can make adjustments instantly, without having to cut through the red tape of bureaucratic decision-making procedures common in larger businesses.

Technology - Computers, the Internet, PDA’s, and other emerging technologies can take home based businesses to a more level playing field with bigger companies, empowering home based business owners to accomplish tasks that used to require hiring staff to perform. Try to keep up-to-speed with technology.

Flexibility. - Unlike traditional businesses that require full-time attention and high overhead costs, home based businesses can be operated part-time, at low cost, and depending on your financial goals can be phased into full-time operations.

Taking Your Business To The Next Level

A common reason home businesses fail is because owners neglect the up-front planning needed to position their ventures. Once you have defined your market position and where you want to take your business in the 12 months you will have moved one step closer to success.

If you already have a business begin by taking inventory of where your business is right now. What specific goods and services do you provide? How do you set yourself apart? What is your business’ reputation? How are you perceived by your customers or clients as far as your prices, reliability, and other elements of your products or services?

The next step is to project where you want to take your business in the 12 months. What market position do you want to occupy? Is the niche market you want large enough? How will your benefits outsell those provided by the competition? Do you have the ability, capital, resources and support to make your market position a reality? Your answers will give you the information you need to begin designing or updating your marketing plan.

Planning Ahead

Once you have determined where you want to go, outline the essential steps to get there. Begin by writing a one sentence purpose (mission) statement for your marketing campaign. The rest of your plan should include a brief description of each of the following:

Benefits of your products and services.

Your target market.

What marketing tools will best help you achieve your mission.

Your market niche. What sets you apart in the market place.

Your marketing budget.

Keep your marketing plan brief. The more concise you make your marketing plan, the more effective it will be in evaluating your marketing efforts.

Finding Your Niche

This is often the hardest task for a beginning home-based business owner but also one of the most crucial. In order for your venture to survive in a competitive marketplace, you must distinguish yourself from other businesses and find a niche. What makes your business unique? Why should someone choose to buy from you over a competitor? Prospective clients want to know. If you can give them a compelling answer, you will position yourself as a leader in your industry boosting your profit potential. Research your market thoroughly before jumping in.

Marketing Tools

No matter how you choose to publicize your business, one quality will set you apart from your competitors: The ability to write effective ad copy. You’re vying for the attention of consumers bombarded each day with advertisements. It is estimated that the average person is exposed to over 1,200 advertising messages per DAY! Make sure your advertisement stands out from the rest of this ‘noise’.

When you have determined your market position and drawn up a marketing plan you are ready to start spreading the word about your products and services. One effective way is using the existing offline media in your area. You have a variety of media choices depending upon your target market and your advertising budget including magazines, newspapers, television, radio, and the internet. Start by evaluating how and where your competitors advertise. What’s working for them? Take their best ideas; then design your own winning layout, positioning yourself as having the best offer.

The Importance of Headlines

As the first phrases seen in advertising copy, headlines should arouse enough interest in the reader so that they will want to read or listen on to learn more about your business or product. To get ideas about what headlines will work best for you, scan different types of ad copy, particularly those from your competitors. Create a swipe file of different ads and ideas that you come across from different sources. But remember to be careful of using other peoples copyrighted material.

Capture your customer’s interest with a compelling statement of offer

Highlight the most important benefits

Offer extreme value

Make a call strong call to action.

Testing Your Ads

Advertising can be expensive, but for just about any business a mandatory investment. To get the most out of your ads, test them by the following criteria:

What is the quantity of leads or prospects that the ad generates? Compare this amount in terms of a unit cost of advertising (dollars in advertising per leads generated).

How many of these leads convert into sales? Different advertising media due to the audiences they target will vary in the numbers of actual closes.

Continually check the response from your ads, make changes or run a new ad if necessary. Use ad trackers and keep testing, testing testing until you achieve the response required.

Internet Marketing

Imagine! You can have a salesperson working for you 24 hours a day, seven days a week even while you sleep. A web site and effective use of e-mail marketing can turn your small home-based business into a global business putting you on a level playing field with large corporations. With easy and afforbable web design tools getting a web site up and running is within reach of everybody.

Sell Benefits Not Features!

Any seasoned business owner knows that it costs five times more to sell to a new prospect than to an existing client. Studies show that each satisfied customer will spread the good word about your business to at least one other person. On the reverse side of the coin a dissatisfied customer will complain to up to five or ten potential customers. Your mission in getting customer referrals to turn passive satisfied customers into actively enthusiastic supporters who will promote your business. The best way to do this is through:

Offering outstanding value to your customers

Delivering your product on time.

Solving customer’s problems.

Maintaining regular contact with customers through feedback forms

Following up your customers regularly.

Creating long-term relationships with customers.

Personalising your product or service.

Finally…

Whether you’re just launching your home based business or have been building one for years, don’t allow lack of information keep you from achieving your financial dreams. Study your marketing options and decide which marketing strategy will best position you for long-term success.

Declan O’Reilly

Anyhoodles was established by Declan O’Reilly in Melbourne, Australia in 2003. Our vision at Anyhoodles is to empower people to become successful entrepreneurs.

Visit http://www.anyhoodles.com for more information and tools for entrepreneurs.

By david | June 6, 2008 - 2:38 pm - Posted in Uncategorized

We’ve all seen the ads for schemes, scams, and multi-level marketing. Most of those ideas just don’t work. However, I have a few work at home opportunities that are quite legitimate, and, with a little research, can provide a great source of supplemental income.

Idea #1

Women love weddings - it’s a proven fact. If you’re one of “those” women - you know, the kind that get all excited about picking out dresses and coordinating flowers - why not put your enthusiasm to work? Consider opening your own business as a wedding consultant. You could help brides plan their special day, and make some cash doing something you enjoy. Get started by advertising your services in local bakeries and florists, as well as by word of mouth. Once business picks up, you can begin attending bridal fairs and shows to demonstrate your services. Before long, you’ll have a booming consulting business!

Idea #2

If you’re crafty, you’ve got a ready source of income at your fingertips. There’s always a market for handcrafted items - school craft fairs, bazaars, farmers markets, craft shows, or local craft malls. If you’re more technically savvy, consider sites like www.etsy.com, that allow you to set up an online store to sell your handmade wares. Etsy takes a small portion of the money you earn, and in turn gives you an online store front, url, and photo hosting. They’re becoming quite popular in the work at home world, so if you’re considering selling online, give them a try.

Idea #3

Do you love to shop? I thought so! However, believe it or not, there are women who don’t, or who are just too busy to shop for themselves. You can help them out by hiring yourself out as a personal shopper. List your services by the hour in your local paper, and you’ll have customers beating down your door - especially around the holidays! Customers will provide you with a list of their sizes and specifications, and you’ll do the shopping, errand running, or returning for them. Consider offering a return service after the holidays to really cash in on this busy season. No one likes to stand in line - but you can do it…for a price!

Idea #4

If you’ve got a digital camera and some basic computer skills, you can run your own eBay business. Hundreds of work at home moms make a decent living off of eBay every year, selling thrift store clothing and other items. Raid yard sales, dime stores, and your local thrift store for inventory, and then start selling items at a markup. Before you know it , you’ll have a profitable eBay business. You could also tie this in with idea # 2, and sell your craft items on eBay as well. There are many guides available for free on eBay, as well as elsewhere on the internet, explaining how to get started running this type of lucrative business.

There are four in-demand work at home business ideas for moms. Now, what’s stopping you? Don’t delay. Get Started with your research today! Before you know it, you’ll be a full-fledged work at home mom!

Copyright (c) 2007 Rebekah Mack Bono

Rebekah Mack Bono is an expert in the work at home field, providing work at home ideas, tips, and resources through The Best Work at Home Resource website, which she owns. She is also author of eBook, The Best Work At Home Resource Guide, which offers ideas for freelancers, stay-at-home moms, or anyone looking to work from home, as well as job banks.

By david | June 2, 2008 - 2:38 pm - Posted in Uncategorized

Dollars and Sense

As the baby boomers retire, they are the first generation that will retire with large IRA accounts. When the boomers do their estate planning, one of the considerations in such planning is who to name the beneficiary of the large IRA account. One consideration for such a choice is certainly to try to minimize the tax burden on their estates.

Most boomers do not realize that the money that they have saved in their employee benefit accounts or IRA accounts are subject to income taxes by the recipient, as well as estate taxes on the account upon the death of the IRA owner. If both the estate of the IRA holder and the recipient of the balance of the account are in the maximum tax brackets for federal estate taxes and income taxes, the employee benefit account or IRA account could be taxed up to 85 percent of the total value of that account.

One option is to leave the IRA (or separate the IRA into several IRA accounts and leave one of the IRA accounts) directly to charity upon the death of the IRA holder. Under the current tax law, the estate should be entitled to a charitable tax deduction for the amount in the account.

In order to reduce or defer income tax and protect an IRA account from creditors after the owner’s death, the best thing to do may be to leave the account to a trust. Since so many beneficiaries are targets of potential creditors from failed marriages to failed businesses to unpaid creditor issues, the IRA owner may well wish to protect the beneficiary from the loss of the IRA account to these creditors by leaving this IRA to a trust.

With respect to reducing or further deferring income taxes on the account, the key is that an IRA trust must be structured such that the required distributions are stretched out over time, allowing a beneficiary to defer income taxes. The goal should be to spread the distributions over the life expectancy of the youngest beneficiary, which should allow for the longest deferral time.

The IRA owner can designate either a conduit trust or an accumulation trust as the “designated beneficiary” of the IRA account. A conduit trust automatically qualifies as a designated beneficiary under the IRS safe harbor provisions. If you have a beneficiary who has a gambling addiction or existing known creditors, a conduit trust may not be adequate to protect the beneficiary. Instead, your choice might be an accumulation trust, in which case you need to find an attorney who knows the rules, i.e. the trust must be valid under state law, be irrevocable upon death, have identifiable beneficiaries and be provided to the plan administrator by Oct. 31 following the year of death.

The biggest problem is the beneficiary being identifiable. If any beneficiary of an accumulation trust is a charity, the trust cannot stretch out the distributions over time, as the IRS deems that charities do not have a life expectancy. If the named beneficiary holds a power of appointment under the trust, the trust also fails to qualify. It is more likely to have an accumulation trust qualify if the IRA is left to a standalone accumulation trust which becomes irrevocable at the owner’s death, preferably a trust for one beneficiary.

Leaving an IRA account to someone whom the owner wants to protect is a whole lot more than filling out a beneficiary designation form. It requires an estate planner with expertise in the complex rules that the IRS has concerning IRA account beneficiary designations.

January 22, 2008 - As published in the Naperville Sun

Denice Gierach is a lawyer and owner of The Gierach Law Firm in Naperville. She is a certified public accountant and has a master’s degree in management. She may be reached at deniceg@gierachlawfirm.com For more information on Denice and The Gierach Law Firm visit Gierach Law Firm