1317 125 2004-11-16 461 website,brochure,internet presence,business card,MySite Nope. You really don't need a website! But you don't need many of the things you've come to rely on, such as your cell phone, e-mail, or faxes. And there's no point in having an Internet presence if those you want to reach lack computers or online capabilities. Or, if you have nothing to say. But, if you do have something to say, and your audience is accessible on the Internet, then consider a website. Years before the Internet, I prepared a brochure to give to people who wanted to know what I did. It was pocket size, so I always had a few on hand to give out. And it was more impressive, and more descriptive of my services than a business card. Think of a website as an electronic brochure with many advantages over a printed brochure, such as: 1. It's unlimited in quantity. You don't have to get a few thousand printed every time you run out. 2. It's easily updated and, if you do it yourself, cost- free. 3. You can link it to your newsletter and other sites to extend its usefulness to the reader. 4. It also gets much wider exposure than any printed brochure ever could. Initially, the only cost will be the time you spend not watching TV commercials. Most of us can afford that. The first thing to do is decide what you want your website to tell people about you. To do that, you don't need a computer, just a pad and pencil. Put them by your TV chair so you can scribble stuff down during commercials. Write a phrase about what you do. Then scribble down your qualifications. And what you do for your clients. Plus what they do for you (i.e. how you get paid). Don't worry about grammar, spelling, or even forming sentences at this stage. All that comes later. Can't think of anything to say about yourself? Ask your significant other, a client, or a few of your clients. Find out what they think you do, and why they deal with you. If after a week your pad is blank, forget it. You're not ready for a web site. Why? Because the most important thing about a web site is content, and if you've got nothing to say, you've got no content. When you've filled a page or so about what you do, and the benefits of dealing with you, it's time to reshape it. Start by dividing all the stuff you've written into two parts, qualifications, and other. In the qualifications pile include all the phrases that describe why prospects should deal with you. Try to turn them into a paragraph or two of benefits, and call them your Professional Background. The other pile consists of what's left over, maybe your age, family life, hobbies, etc. Rewrite all those phrases into a more readable form and call that your Personal Profile. Now you can turn on your computer, and type it all into your word processor, edit it so it hangs together and makes sense, then save it as MySite so you can copy it into your web site. You now have some content for your website. For clues on how create it, visit http://www.lifesites.org true Don Pooley has shared his marketing know-how with audiences in major Canadian cities, London, Australia, Chicago, New York, San Francisco, Hong Kong, and Singapore, and now in his free ezine, TIP. Subscribe at http://www.eTIP.ca/

Nope. You don't really need a website!

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1339 121 2004-11-16 460 business loans, business loan, small business loan When acquiring a business loan, one can expect to pay different rates and fees based upon the years the business has been in operation, the owner's personal credit history, the business's credit history, and whether or not the loan is secured or unsecured. If the loans are guaranteed, whether or not they are by the government or some other agency can affect the rates as well. Interest Rates are controlled by usury laws. A lender can safely charge a business up to 10% interest per year and not violate any usury laws. Depending on the type of lender you seek, personal or commercial, this may not always hold true. There are different usury laws governing personal lenders and those that are protected by the Federal Government (commercial banks, credit unions, savings and loans). Typical lenders charge between 6-7%, however, as stated earlier; financial security in the business and the owner play an important role in establishing interest rates. Often times commercial banks offer fixed interest rates, but more often than not, the rates are flexible after a given number of years. Government loans are offered to small businesses that meet certain criteria. These loans are offered at the approximate US Treasury note rate of + 1.7% (fixed rate). Other agencies and specially funded business loans offer rates that are decided by special committees. Usually they are lower because these loans are only available to certain business owners. Fees come in different increments based upon the institution you choose to borrow money from. Typical fees include application fees that can run up to $500, although, some institutions and loan companies do not charge any application fee. Closing Costs which usually run within 1-2% of the original amount borrowed. Common commercial loans that are under $500,000 are usually at least 2%. Loans above $500,000 usually have fees ranging from 1.5-1.75%. Other fees that one might encounter when borrowing money for his or her business are: appraisal fees, attorney fees, and environmental assessments. These fees may or may not be included in the closing costs. If not included, these fees may mount up to several thousand dollars. It's important to ask your financial institution which fees are included in the final closing costs. Government loans and loans that are offered through agencies that cater to certain small business owners offer fees that are based upon the project size. Most are usually at least 3%, some agencies charge the exact amount of all filing fees and an additional 1-2% of the original loan amount. Many individuals choose to refinance their residence as means for a business loan. Often times these loans can be acquired much easier than a business only loan. Interest rates are often lower and fixed for longer amounts of time, as well. Fees usually range below 2% and can be included in the loan. Having equity in your home may enable business owners to borrow money with lesser interest rates and fees. However, it is a risky plan. If your payments are not made on-time and in full each month, your home may be sold to cover the loan. true John Williams is the worlds first <a href="http://businessloans.blogspot.com/">business loans</a> blogger. If you are considering a business loan, read what he has to say. Your wallet will thank you!

Different lenders charge different rates and fees for business loans. Here is what you need to know before acquiring your business loan.

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6 5 2004-11-16 459 chords, chord piano, piano playing, piano chords, music, play piano, learn piano There are roughly umpteen zillion reasons why you should learn enough chords to be able to "chord a song" at the piano. By "chord a song", I mean the ability to play 3 or 4 chords on the piano in some sort of rhythm while you or someone else sings the tune. To do this, you don't need to be a Van Cliburn; all you need to do is learn a few basic chords and be able to more back and forth between them in some organized rhythmic pattern. For example, did you realize that all of these songs (and hundreds more) can be sung or played with just 3 chords? Auld Lang Syne Amazing Grace Kum Ba Ya Silent Night Joy To The World Jingle Bells Happy Birthday Down In The Valley On Top Of Old Smoky... and hundreds or maybe thousands more! Add just one more chord to the basic 3, and you can play another thousand songs or so. So why not learn a few chords and start your chording career? Here are my top 10 reasons for learning "chord piano": 1) It's easy. Learn 3 chords and start in. 2) Even though it's easy to get started, you don't have to stop there. You can learn more and more chords and more rhythm patterns and get really good. 3) You'll be able to play "Happy Birthday" while the gang sings it. 4) You'll be able to play half-a-dozen Christmas carols. In case you haven't noticed, Christmas comes every year, so every year you'll get better as you participate in family gatherings. 5) You can help your kids learn to play the piano, guitar, or most any other instrument by learning chords. Most teachers don't teach chords, so you'll be giving your kids an advantage by learning chords. 6) People will admire you. It's true. Musicians are popular. Anyone who can play anything is in demand at parties and social gatherings. And if you can "chord" while others sing, you're bound to be popular. 7) Piano playing using chords is good for your brain. Studies have shown that people who actively participate in music do their brain lots of good. And since chords require 3 or 4 notes at a time instead of one, you are giving your brain a good workout. 8) Piano playing, particularly using chords, is good exercise for your wrists and fingers. (Take the time to learn about correct hand position, though!) 9) Piano playing is excellent therapy for the stress of life. Many professional people come home from a hard days work and relax by expressing their emotions on the keyboard. Play a few dark and angry chords, and you'll be surprised how much better you feel! 10) Piano playing is a blast. It's just plain old fun. So learn 3 or 4 chords and get going. Maybe you'll stop there and enjoy it the rest of your life. But just maybe you'll love it so much that you keep going and turn yourself into an excellent piano player who can read music as well as play chords! true Duane Shinn is the author of the book-CD-DVD course titled "How To Play Chord Piano In Ten Days!" which has sold over 100,000 copies around the world and can be found at http://www.chordpiano.com/piano-chords.

There are roughly umpteen zillion reasons why you should learn enough chords to be able to "chord a song" at the piano. By "chord a song", I mean the ability to play 3 or 4 chords on the piano in some sort of rhythm while you or someone else sings the tune. To do this, you don't need to be a Van Cliburn; all you need to do is learn a few basic chords and be able to more back and forth between them in some organized rhythmic pattern.

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224 82 2004-11-16 458 niche, resale rights, private label rights, home business, work at home, clickbank, make money Using Resale Rights Manuals, and Private Label Right Manuals, I have been continuously supplied with material for my Niche Marketing. Filling the needs of smaller groups - using products created by others. Resale Rights and Private Label Rights Manuals just like the one here: http://www.ebusinezsolutionz.com - They are available almost anywhere... and they can build your business or service to new heights!!! Basically What I do is I resell manuals that I have the "rights" to. I didn't write them - I'm not that smart of a guy. But I do know how to market them, and marketing them to small niche groups! Getting started in Niche Resale Rights has been extremely exciting and profitable. It can help any business - be it a product or service type of business. It can be as simple as 1-2-3-4: 1. Get a product 2. Setup the website for it 3. Signup with clickbank.. to sell the product 4. Get people to your site to buy the product This is obviously a quick overview... but it's the overall plan that has great potential to line your pockets with cash. Learn more about Riches with Resale Rights: Discovering How To Maximize Your Earning Potential with Resale Rights... and you won't look back! Here are my Top 5 tips For getting Started: 1. Signup with clickbank.com for Processing of payment - it's free 2. Go find some resale rights manuals to offer, preferably multiple manual packages 3. Get your own domain or use a generic domain like we have at http://www.ebusinezsolutionz.com - and host multiple products under one domain. 4. Use Articles and Free Links and Pay-per-clicks to get your trafiic to the sire 5. You Need an autoresponder to capture emails of passers-by, so you can re-contact them for a later purchase. In this Quick Article, We've brushed over the very basics.. there's much more. And we'll be writing more articles on this in the future. true http://www.ebusinezsolutionz.com PsyCourse.com Brings You Psychic Training for Real People. Embrace Your Psychic Side - Today!! www.PsyCourse.com

How I use Resale Rights Manuals to make Money... Quick and Simple... And Your Top 5 tips For getting Started.

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1303 38 2004-11-16 457 baby shower gift baskets, baby shower, baby shower decorations, baby shower favors Baby shower gift baskets can be one of the easiest ways for you as the gift giver to be creative, and show the person your giving it to just how much you care about them. Instead of one big gift, you get to give out a plethora of trinkets, toys, and other fun items, wrapped together in a beautiful package which, in itself, can be a gorgeous thing to receive. A popular thing to do when buying a baby shower gift basket is to let the company who makes it fashion the wicker baby shower gift basket as a bassinet, within which are all the things you want to bestow upon the new child, making your gift all the more thoughtful and appropriate. Better yet, there are so many companies out there that are experts at making these sorts of things, so even if you're not exactly Martha Stewart yourself, you can let an anonymous craftsperson make it seem like you should have your own cable show. Within the baby shower gift basket, you'll want to include the basics, those simple bare necessities. This means, teddy bears and or dolls are a given, as any parent will know a young child can never have enough teddy bears. If you want to be gender specific, you can go for the standard pink or blue color palettes to appease notions of femininity and masculinity, but many people nowadays are shying away from such black and white notions of sex, so your best bet is probably to stay as neutral as possible. This also means that you can go nuts and include just about anything in the toy department that you want to give the new baby. No longer do Tonka trucks mean 'it's a boy' nor do Raggedy Ann dolls indicate the infant is a girl, so take advantage of this freedom in creating a truly unique and baby shower gift basket. Baby oil or baby wipes can be the new parent's dream as well, since they'll surely be running through plenty of both, so don't be afraid to include the practical as well as the sentimental. true <a href="http://babyshowergiftbaskets.biz/">Baby Shower Gift Baskets</a> - Providing information on ways to create gorgeous baby shower gift baskets, baby gifts, baby shower decorations,and invitations. Enjoy the many baby shower ideas.

Baby shower gift baskets can be one of the easiest ways for you as the gift giver to be creative, and show the person your giving it to just how much you care about them.

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649 163 2004-11-16 456 internet business, business plan, small business, home business, If you've never written a business plan before, the idea alone can be overwhelming. It doesn't have to be the nightmare of your imagination. Traditionally, a business plan is used to secure funding from a lender or a potential investment partner. It serves as something akin to your business's resume, outlining the purpose and scope of your business, identifying the goals, marketing and management, and establishing a basic balance sheet. Now, even if you aren't going to seek additional funding, even if you're going to grow your business by yourself from your office at home, you'd be wise to put together a business plan. Simply going through the process has value. It'll help you develop a clearly defined vision of what you intend to do with your business and how you intend to do it. These are some of the questions you should already have asked and answered before you sit down to write your business plan: == What "want" does your business fill, and what service or product will you be providing to fill that want? == Who will be your potential customer (this should be an established, niche market with die-hard buyers). == Why will people purchase from you as opposed to the business down the street (in other words ... what's your Unique Selling Position)? == How do you intend to reach your customers? A storefront? An ad in the phone book? Direct mail? An Internet campaign? Selling door-to-door? A combination of these? == Will you need additional funding and if so, how much will you need and how do you intend to secure it? Okay, so let's take a look at what you'll want to include in your business plan. Most business plans are structured to examine four primary areas: 1. Executive Summary - a decription of the business 2. How you intend to market the business 3. How the busines finances will be arranged and handled 4. How the busines will be managed Let's take a further look at these. Executive Summary: what the business will do, its Unique Selling Position, the business goals, its ownership and legal structure, your skills and knowledge and how they will benefit the business. Marketing The Business: describe your product or service, identify your market niche, how big it is, and how you plan to reach it. Define your customer, identify your competition, detail your pricing plan, outline how you intend to attract and convert customers. Financing The Business: estimate your start-up costs, project your monthly operating budget for the first year, outline your ROI (return on investment) and cash flow for the first year, project your income and expense balance sheet for the first two years, explain how you're going to compensate yourself, establish who will maintain the accounting records and how they'll be maintained, and if you're in need of funding, explain how much you need and how it'll be used by the business. Managing The Business: how will the business be managed day-to-day, what the hiring and personnel procedures will be, how the products or services will be developed and how they'll get into the hands of your customers. You'll also need to account for equipment the business will need, and how insurance, rental agreements, etc. will be handled. That's it. In a nutshell. If you'd like to see some free sample business plans to get a better idea of how they're structured and how they read, here's a good source for you: http://www.bplans.com/sp/businessplans.cfm true David Silva <br> Business Starter Tools <br> <a href="http://businessstartertools.com">http://businessstartertools.com</a> <br> If you'd like to take the quickest, straight-as-an-arrow path to Internet success, then learn from one of the most successful Internet entrepreneurs ever, Mark Joyner: <a href="http://businessstartertools.com/internetmanuscript">http://businessstartertools.com/internetmanuscript</a>

Writing a business plan is a necessity. Here are some tips and samples to make the process a little easier.

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