By Brian V Shortt

With the economy in a downturn, many Americans are looking for economic help. Instead of trying to get an extra regular job, try making money from the comfort of your home with BANS. BANS stands for Build a niche store. Using this can help you to make hundreds of dollars to supplement or replace your current income. Niche markets are a great way to make money, if you know how to use them, and BANS can help you do that.

Building a niche store online is simple. First of all, a niche for those who don't know, is a precise market that people look for. An example of this is tomatoes, tomatoes are a vegetable that people garden. Rather than covering the entire market of gardening, breaking it down to one thing will help you find customers that are looking for that niche and make it simpler to run a store based on this. Running the store online makes running a niche market stress-free and profitable.

Setting up your BANS online is a quick and easy process that will allow you to start making money soon after you use the program. The key thing to do is pick the country that you live in so that you can find products that your country uses.

Subsequently, choosing a niche market from thousands will get you started. You need to think about what individuals like, will buy, or will use even with the downturn of the financial system. Find a niche that is useful and make sure it is something that you would acquire. If you don't believe in your niche, no one else will.

After you decide the type of online store you would like to use, it will be time to build your basic site. This will house your product for people to buy based on the niche that you chose. You will be able to select many things for the site, and if you so choose, make it customizable. If you want to have a successful niche store, it is important to make your website as personable as possible. Adding a blog where people can ask questions for you to answer regarding the product and posting useful ways to use the product is a great way to get people interested in your niche store via BANS.

The last step to have a successful BANS site is marketing. There are lots of ways to market your BANS site. You can add videos to your site to explain your merchandise, then list videos other places on the internet, leaving a link to your BANS site. People love video since they don't have to read anything, no effort, so it's a very effective tool. If you want to do some link building, you will be triumphant at getting hits to your BANS site, however; link building does require some work. In order to do this, you must go to many numerous blogs and forums, leaving posts and links to your BANS site. While this method isn't difficult, it can be quite time consuming. However, a particularly powerful method of marketing your BANS site is through pay per click ads. This will cost you a little bit of money, but you can have your ads placed on other sites and every time that someone clicks on it, you will get a person on your site.

Away from all of this, the best way to make money on your BANS site is to be knowledgeable on the subject of your product. Whatever niche you go into will require you to do some research in order to know your topic. You ought to know everything there is to know about your niche and be able to answer any questions that your customers have.

Running a BANS site does require a little know-how and work, but if you are willing to put in the effort, BANS sites can be really profitable. Sign up, pick a niche, personalize your site, do your research, and market your site. If you can follow these simple steps, making your money will be a cinch for you.

About the Author:

To learn more about niche store, check out the free Niche Marketing report. Feel free to distribute this article in any form as long as you include this resource box. You can also include your affiliate link if you sign up at Clickbank Pirate.

By Wade Henderson

The biggest complaint of the project planners is not having the necessary funds to start their business. However, the real problem is that it is not enough to have the most brilliant idea to find project financing or to be able to create the most formidable company; it has more to do with the way the project looks on paper.

The key to solving the challenges that some entrepreneurs face, is working on two special skills. We are talking about an ability to negotiate and market your idea in a powerful and compelling way. There are indeed people that are looking for feasible ideas to invest in. The key is to show investors how special and original your idea really is.

In order to do this, you need to quantify:

Think concretely. Think about what you will need in order to implement your business idea. What equipment will you require to produce it? What raw materials? Where will your business be? Will you keep big or small inventories? Do you need to patent your idea? That is just a sample of some important things entrepreneurs may forget. Project funding can also come from people close to you, like your family and friends. Remember, that whenever you are asking for funding, you need to explain the investor line by line what you will use the money for.

Get project funding from commercial providers:

You can use your own means and properties to serve as collateral in order to get funding from a financial institution. There are many loan options that may be available for you. You can also opt for venture capital firms. There is an array of project funding opportunities and you will need to look for the one that suits you best.

Seeking project funding through strong documentation:

For someone to be interested in your project, they have to have something concrete about it. Prepare a business plan that has impact and include your own professional and academic credentials. You can make a stronger case if you have sound financial records to show.

Your business plan must have the answers to the questions that most investors will have. What kind of business it is? What customers is it targeted to? Who are the competitors? How will you sell the product? What is your strategy to enter the market? Etc.

Do not forget to add all the results of your financial projections (financial plan, balance sheets, income estimates, the budget for the first three years and the cash budget for the first year, for example) as well as your implementation plans.

About the Author:

Wade Henderson - recognized Professional - 15 yrs in the Business Finance Field - strong reputation for getting the deal done. IMMFinancial.com

By Wade Henderson

This article does not intent to drown you in a sea of technical terms that will confuse you more than enlighten you. It is not necessary to buy computer equipment that is extremely powerful and expensive if you use it only for emailing and writing. Here are some main components that you should learn before buying your computer equipment.

The processor: the two major brands that dominate the world are AMD and Intel. AMD and Intel last generation processors are recommended for heavy applications such as image processing, or video games. For simple office and surfing, computer equipment with older processors offer slightly less performance but have more reasonable cost. Current processors have two or four cores or more, also called multi-core.

RAM. This is the memory of your computer equipment. It will determine how fast your computer can be and how many programs you can open at the same time without losing speed. Different versions of Windows have different requirements of RAM. If you are installing Windows Vista you will need at least 2 GB of RAM. You can also decide to upgrade the memory of your computer equipment down the line and in some cases without the need of complex technical support.

The Hard Disk. This is the part of the hardware of your computer equipment that will provide storage capacity. The bigger the hard drive, the more information you can store in your PC. All programs you install to your computer will use space. Windows will take up to 20 GB of your hard disk. A 120 GB hard drive will give you more than enough space for your regular office work. You can also use external hard drives or disks to liberate space from your PC. It is always recommended to perform regular data backups to avoid any loss of information.

DVD and CD recorder. Computers nowadays come with built in DVD recorders that will also allow you to burn CDs. DVD technology has now replaced CD burners. There are different kinds of DVDs (DVD-RW, DVD+RW, etc) which are supported by the standard commercial DVD burners. Double layers DVD recorders allow you to copy up to 9 GB of information. However the multi layer disks are generally expensive.

About the Author:

Pro-BargainHunter.com Multiple Pre-Screened Vendors competing for your business Agricultural Equipment Leasing Airline Equipment Leasing

By Alan Atkins

1. Items $10 and Under

It sounds like a great idea - after all, everyone likes a bargain don't they? But items that sell for under $10 on eBay have one big problem: Shipping.

It's very probable that the distribution of the item will cost more than the item itself and this can deter most buyers. For example, the total cost of the item could be only $10.50, however this could be made up of $4.50 item costs and $6 shipping costs.

If the shopper can acquire the item somewhere else, for $7 or less, then they immediately have a more appealing offer. The best way to avoid this problem, for small items and accessories, is by bundling similar items, for example 5 place mats or sets of 8 golf-balls.

2. Products sold by all and sundry

Many sellers think that the best way to get started on eBay is to sell items that everyone else is selling. Surely those super hot items such as ipods, cell phones, psps and so on will be a quick route to riches? Well, no.

The merchants who are today marketing these items on eBay are very well established and are no doubt well-known to and trusted by potential customers. Also consider that, they are well placed to buy low-cost, wholesale stock so the prices which they are able to set will practically always be more attractive than yours.

Thus it will almost certainly be very difficult for you to make a profit in a market that is already well supplied.

3. Things you love...but no-one else does

Hobbies can be a great way of making money, but only if plenty of other people are interested in them too.

Another situation is that you discover a product that you think is totally breathtaking and might be the next hot thing...but buyers are almost nonexistent. You reflect, Oh well it's only a temporary thing, sooner or later my item will be discovered and buyers will start a stampede to buy it. You will probably be disappointed!

It's a friendless task attempting to inform the masses of the advantages of a product all on your own. Its almost impossible to start a trend by yourself, regardless of how remarkable the product might be. To show a profit from a trend, magazines and newspapers, word of mouth and television are needed to carry out some of the labor for you.

4. Difficult items to ship - e.g. fragile china and plants

Many eBay sellers generate nice profits from these items and I'm not professing that these are bad items to promote all told. However, when first starting out I advise you to stick to less tricky stock.

Both these items have an above-average shipping risk, particularly if not packed properly. As a new seller, any negative feedback you receive at this early stage could be especially damaging to your career.

5. Items of significant bulk

Thinking of starting with furniture or pianos? Unless you already have experience selling and shipping these items, then it might be wise to start with something smaller.

Especially bulky items will tend to be more expensive than smaller items and as such will not attract the same number of impulse buyers and therefore sales will be reduced. Delivering such bulky items is a big logistical exercise.

About the Author:

Visit us to join over 65,000 other eBay sellers, retailers and bargain hunters who have discovered the best place to find genuine, pre-screened wholesalers, dropshippers, liquidators and manufacturers for every type of product imaginable. Sign up for unlimited and lifetime access to the wholly searchable database of wholesale products and suppliers.

By Wade Henderson

Getting new computer equipment may be a complicated decision to make when you have little knowledge about computers. You do not need to buy state of the art computer equipment if your business tasks do not require any special software. We want to give you some information about the three main elements that you will find in any computer equipment.

The processor: the two major brands that dominate the world are AMD and Intel. AMD and Intel last generation processors are recommended for heavy applications such as image processing, or video games. For simple office and surfing, computer equipment with older processors offer slightly less performance but have more reasonable cost. Current processors have two or four cores or more, also called multi-core.

RAM. In simple words, RAM is what determines the speed that your computer equipment will have. Therefore, the higher the RAM, the faster the computer. Programs like Windows already have specific requirements in order to be installed. Windows will take from 512 MB to 1 GB of memory. Windows Vista demands 2 GB of RAM. If you decide to upgrade the memory of your computer equipment, it is easily done without the support of a technician.

The Hard Disk. This is the part of the hardware of your computer equipment that will provide storage capacity. The bigger the hard drive, the more information you can store in your PC. All programs you install to your computer will use space. Windows will take up to 20 GB of your hard disk. A 120 GB hard drive will give you more than enough space for your regular office work. You can also use external hard drives or disks to liberate space from your PC. It is always recommended to perform regular data backups to avoid any loss of information.

DVD and CD recorder. Computers nowadays come with built in DVD recorders that will also allow you to burn CDs. DVD technology has now replaced CD burners. There are different kinds of DVDs (DVD-RW, DVD+RW, etc) which are supported by the standard commercial DVD burners. Double layers DVD recorders allow you to copy up to 9 GB of information. However the multi layer disks are generally expensive.

About the Author:

Pro-BargainHunter.com Multiple Pre-Screened Vendors competing for your businessCopiers & Duplicators Leasing Dental Equipment Leasing

By Stephanie Watson

Are you working your home business as if it were a Business or a Hobby?

As a work at home business owner, or a future work at home business owner this is a very important question. It is very important to your business that you treat this business as a BUSINESS. It is not a past time, not a lottery, and not a hobby. It is a business. If you project this image to not only yourself but to those around you, combined with daily forward moving action, then success will naturally follow.

Keep a work schedule

Get up every day at a regular time. Take a shower, brush your hair and teeth and get dressed for your day. Do not laugh; I am guilty of doing the opposite! I know all the stuff about working in your pajamas but truth be known you are going to feel more professional and productive if you get dressed in something that you are not embarrassed to be seen in by a colleague.

Your outfit could be nice jeans, a nice sweat suit outfit, something comfortable and free of baby spit up, holes, or lunch. You will feel more professional if your outfit is not the jammies that you slept in. In addition, you will be ready to go to luncheons, trade shows, and other marketing events and opportunities at a moments notice.

Keep a schedule of when you will work at your desk, when you will do filing, when you will work on your website, when you will write articles, and all tasks that need to be done or delegated. If you only have 1 hour in the morning before you drop the kids off to school and go to a regular job then that is what you have, make it as productive an hour as possible.

Do not spend all day posting on message boards but do spend some time. This is a form of networking. However, look at it this way: if you were at a regular job networking by the coffee machine or the water cooler, you would not be able to "just talk" for six hours per day. Perhaps you could chat for 15 minutes, but not all day long. Limit your time and visit more than one message board. For example: You could visit a different one each day of the week. One rule I make for myself is that I have to get all the work done that I've listed on my "to do" list before I can go to a message board, then I get 15 minutes at a time to be there.

Go to Training

If the business you joined has training available, USE IT. You should immerse yourself in the information provided. If your business is something you created on your own, then find training out there. Go to anything half way related. You can never learn too much! If there is a professional license that you can obtain, get it. Anything that will add to your credentials is an excellent way to add to your credibility as a professional. Guess what, training related to your business can be tax deductible! Save your Receipts!

Read a lot of Books

Read as many books and magazines as you can on your business or aspects associated with your business. One cool benefit is that these books and magazines are tax deductible! Save your Receipts!!! I suggest one hour of reading per day if you can do it. If you are still working outside the home as well then take books to work with you and read on your breaks and at lunchtime. The more you read, the more you are going to learn things that you can apply to your business and promote your success.

Get Regular Exercise

If your work at home job requires you to sit at the computer for hours on end, please make sure that you get some daily exercise. The minimum exercise a person needs each day is 30 minutes a day. So get on the treadmill, go for a walk, and get out those old Richard Simon's Tapes and Move Around!

Eat Right

Take your daily breaks. At an outside job you would take breaks, do it at home too. You do not want to burn out, nor do you want to burn out your family. Take Breaks. The rule of thumb is a 15-minute break every four hours of work. If you work a normal 8 hr day, you should also take 30 minutes for lunch plus two 15-minute breaks. I personally take short 10-minute breaks through out the day, at least three, where I walk fast around my neighborhood. I also take 1 hour for lunch and I try to get out of the house for lunch whether that is to the park, or to a luncheon of some sort.

Join Local Networking Groups

Join your local chamber of commerce. Usually they will have a special rate for those who work from home, check it out in your area! I joined mine for only 33 dollars a month! Go to every meeting that you can go to. You might be nervous at first trying to explain what you do, but be positive, be sure of yourself, and go out there and tell people about your business anyway and you will eventually gain more confidence in yourself. Practice makes perfect.

Check out your local paper for networking opportunities. Another avenue for networking is your local college or university. Many times, they will plan and have small business expos, luncheons, meetings or other ways to network and learn about new ideas and perhaps share your own! Join groups that have nothing to do with business as well. If you are into politics at all, join your local women's groups such as The League of Women Voters. This is a bipartisan organization comprised of Women Voters. They have luncheons and other gatherings that can be very helpful to you. If you like flying model airplanes join your local model airplane association! Join as many groups as you can fit into your schedule and ATTEND the meetings. Join in, become the treasurer if you are trying to run a home accounting business, or the secretary if you are trying to start a Virtual Assistant business, you get the idea! Do not forget about the PTA or PTO, the Parent Band Association, and others if you have children in school. Become a part of your community and when asked what you "do" have an answer ready. Not one that says "nothing" but one that says, "I am a Professional!" Because you are!

About the Author:

Stephanie Watson is a dynamic and truthful writer on the topics of work at home and business building. If you would like to learn a secret step by step proven successful method for making money from home don't hesitate to checkout The Niche Blogger Review.

By Greg Carson

Many folks would be pleased to build their own home business. The opportunity to be your own boss, setting your own hours, even working in your pajamas is a huge draw for many of us.

But sometimes we forget that home-based businesses are enterprises, not just get-rich-quick schemes. There are a lot of opportunities out there but they are not the type where you get to become a millionaire overnight. Real effort is required to achieve results; however, if a person is willing to work at it, then creating a successful home business is quite doable. Of course, the first step on the road to possessing a solvent business is research. The place I began my journey was the home business site (http://www.homebusinessite.com).

Another item you should consider regarding your home-based business is that all aspects cannot necessarily be run from behind your desktop. As a business owner, you are responsible for your own networking, advertising and marketing.

This could mean fliers, this could mean brochures, or this could mean search engine optimization. Whatever your strategy, make yourself willing to do what your competitors are not willing to do in making your message available to the public.

You might consider talking approaching people that could provide aid to you in the future. If you need suppliers, approach some and see what kind of deal you can work out. If you need companies with parallel interests to partner with, approach a few and see what kind of deals people have been making with them.

Wherever you may go, reach out for associations - gas stations, supermarkets, even at your current job's office - find the alliances you will need to build your business. Remember that every word you speak can be leveraged to promote your business.

Of course, not every person you deal with will be eager to go into business with you, but networks are built just as much with intercessors as with actual alliances.

The bottom line of this whole process is that people like to deal with people-oriented people far more than they like to deal with thing-oriented people. Enjoy the chummy aspects of networking and it is likely to pay off for you.

About the Author:

Greg Carson is a dynamic and truthful writer on the topics of work at home and business building. If you would like to learn a secret step by step proven successful method for making money from home don't hesitate to checkout The Niche Blogger Review.

By Elise Easterbrook

Many work at home moms started out working for someone else and then slowly gained the knowledge, experience and courage to take it a step further. I'm talking about starting a home business.

True, it may be scary at first but with a lot of research and planning a home business can prove to be fulfilling and profitable.

Let's start out by determining your interests, and the best thing to do this is to write it down. Make a list of everything you love to do, your skills and talents or whatever it is you're truly passionate about. Then, number your entries in order of interest; this may be a little hard to do but it's very important so that you'll have a sense of direction in terms of career and personal goals.

To guide you further, here is a list of skills and the possible fields where you can apply it:

Skill: Detail oriented, good at record keeping

Possible Home Business: Accounting, Bookkeeping, Data Entry, Reminder Service, Transcription, Coding, Secretarial Service

Skill: People oriented, good communication skills

Possible Home Business: Customer Service, Direct Sales, Internet Sales, Promotional Product Sales, Public Relations, Travel Agency, Loan Agent, Clothing Sales

Skill: Visual oriented, creative, artistic

Possible Home Business: Advertising Design, Artist, Balloon Sculpture, Business Brochure Design, Furniture Design, Cartoonist, Costume Sewing, Crafts, Doll Making, Decorative Painting, Face Painting, Portrait, Gift Baskets, Illustrator, Jewelry Design, Photographer, Sign Maker, Antiques, Collectibles

Skill: Good at writing, researching, updated on current affairs and trends

Possible Home Business: Baby Announcements, Holiday Letters, Book Publishing, Editing, Freelance Writing, Online Writing, Online Teaching, Greeting Card Writer, Newsletter Publisher, Proofreader, Technical Writer, Translation,

Skill: Good organizational skill, attention to detail, good communicator, people-person

Possible Home Business: Bridal Service, Personal Shopper, Personal Coach, Event Organizer, Wedding Planner, Party Planner

Skill: Good computer skills, technical know-how, Internet savvy

Possible Home Business: Computer Classes, Programmer, Computer Set-up and Repair, Desktop Publishing, Graphic Design, Website Promotion, Website Design

Skill: Likes household work, loves kids and pets

Possible Home Business: Child Care, Catering, Running Errands, Housekeeping, House Sitting, Pet Sitting, Pet Grooming, Pet Walking

These are just some examples of skills, talents or interests you may have and the possible home business where you can apply your skills. Pick your top interest and start from there.

About the Author:

Elise Easterbrook is a dynamic and truthful writer on the topics of work at home and business building. If you would like to learn a secret step by step proven successful method for making money from home don't hesitate to checkout The Niche Blogger Review.

By Maria Boyd

When Esther Passaris went into Slum lighting she was brought face to face with the degrading and inhuman conditions that people in the slums live. This had a profound effect on her life, opening her eyes to other dimensions of life, especially in the slums that transforming the lives in the slums have become more than her personal goal and her passion.

Her passion and energy is infectious and I recently had the opportunity to meet this amazing vibrant woman. She is really a twister full of energy, warmth and passion which can be infectious. Seeing her full of life as she excitedly outlines her plans for and visions to make this a better place for herself and her fellow Kenyans.

She started in 2003 the Driving Kenya Foundation a non profit organization to reach out to others in her sharing nature and her desire to change the world. One project she has started is called One In A Million where each contributor puts aside every month a minimal amount towards the eradication of poverty. She believes in the need to pull together men and women of integrity who have made it to not only work together but also to commit to the goal of A Kenya free of Poverty

Being the social entrepreneur she is, she has employed homeless families and the deaf individuals within her companies. She has also helped within many communities and schools.

She has been quite an inspiration to many young people in the universities, many schools and social gatherings in Kenya. Her talks being on success, business, social work, passion, giving back, finding balance, and dealing with challenges.

She has frequently been featured by the media like Jeff Koinange in Capital talk and can be seen rubbing shoulders with the likes of Richard Branson.

Leaving the world a better place has been one of the things she strives for and the journey that she has started, though challenging is all worth it. Esther Passaris has shown women in Kenya that they too can also excel in business.

About the Author:

If you would like to get involved in the social entrepreneur projects being undertaken by Esther Passaris please visit her site for more information.

By Scott Renduts

Located right on Atlantic Avenue, a well-established Florida beach restaurant for sale promises an excellent investment. Seven thousand square feet with over 200 seats, Barnacles Daytona Beach is in an high traffic area, blooming with other commercial enterprises, and therefore a magnet for both local and seasonal guests.

The brand new deck is nearly 1800 square feet of irresistible attraction for beach lovers. Barnacles Restaurant has a fire pit on the deck, and charming wicker outdoor furniture with which to tempt passers-by. Right on A1A, there is plenty of traffic at all hours of the day or evening.

First of all, customers can dine in, or call ahead for take-out. They can take advantage of catering services for off-site events, whether for business or for socializing. Barnacles Daytona Beach also offers a choice of dining inside or outside!

Any restaurant for sale on the beach can boast of being able to lure tourists simply because of a desireable location, but few have the distinction of Barnacles Daytona Beach, whose deck is a full 1800 square feet. The restaurant itself is of generous proportions, about 7000 square feet in all, with over two hundred seats for customers to enjoy.

The reputation of Barnacles Restaurant for excellent food is unmatched. Locals love the all you can eat crab specials, as do out of state visitors, many of whom will make it a point to revisit Barnacles Restaurant more than once during their time in town. This repeat business has a lot to do with the overall success of the eatery.

The family friendly Barnacles Restaurant also offers a children's menu, of course. There is a fantastic salad bar, with many intriguing choices. Lest a guest not be in the mood for any of the excellent seafood that Barnacles Daytona Beach is famous for, no need to worry. Landlubbers can partake of chicken, steak and ribs.

Owner Scott Studner has ensured that the wait staff of Barnacles Daytona Beach is as impressive as the cuisine. Whether it is taking time with a large party, or making knowledgeable and insightful suggestions for menu choices, the servers are a big reason the Barnacles Restaurant has flourished at the same location for more than two decades.

Any entrepreneur in search of a promising Florida beach restaurant for sale will quickly see that Barnacles Daytona Beach has everything to offer. Location, food, ambiance and reputation all combine to make this Barnacles Restaurant a clear winner.

About the Author:

If you've enjoyed all the information you read here about Barnacles Seafood Restaurant you may be interested to find a turn key business oppoortunity at Barnacles for sale by owner

By Jackie Ereimlap

Upon learning of some IHOPS for sale by owner Scott Studner in the highly desirable market of Daytona Beach, Florida, it becomes clear that such opportuntities are opening up at just the right time. While sellers in general are not having the best time of it, the smart buyers are taking a long look at Florida restaurants for sale.

International House of Pancakes, as it is also known, was founded in Toluca Lake, California in 1958. As early as 1960, it began expanding through franchising. Today, a businessman researching Florida restaurants for sale will learn that more than 99% of International House of Pancakes restaurants are operated by franchisees.

Seniors are courted with their own specials, and they especially appreciate the way an IHOP restaurant brings an entire pot of coffee to the table. No more waiting around for refills! The Just for Kids options are equally popular. The IHOP Daytona Beach restaurant can offer 5 silver dollar buttermilk pancakes with a scrambled egg and bacon strip, a sure kid pleaser.

At any hour of the day, breakfast lovers can walk into one of the IHOP Daytona Beach restaurants, and order buttermilk pancakes, Harvest Grain pancakes, or the totally decadent chocolate chip pancakes. Four different kinds of syrup complete the experience of a satisfying and delicious breakfast.

Pretty much any restaurant for sale in Daytona Beach has the potential to attract at least one segment of the wide ranging demographics of the Daytona Beach visitor. It is the International House of Pancakes, however, which has the potential to attract the widest possible range of customers. A steakhouse is a steakhouse is a steakhouse, after all. The more a restaurant specializes, the narrower its appeal.

For an IHOP Daytona Beach restaurant, business increases with the addition of seasonal visitors on a regular, dependable basis. Maybe its knowing that the International House of Pancakes still brings a full pot of coffee to the table, or remembering the warm cinnamon scents of fresh pancakes that halts a tourist in his tracks.

Whatever the reason, a typical tourist drops in at an IHOP Daytona Beach location knowing that the food will be familiar and comforting. This tourist may be the head of a family, with kids enjoying the children's menu, or maybe one of a group of kids on a road trip to the World's Most Famous Beach.

The International House of Pancakes is an institution for a reason. IHOP serves more than 700 million pancakes a year! Silver dollar (pancakes) means green dollars for the right franchisee.

About the Author:

If you've enjoyed all the information you read here about IHOP Restaurants you may be interested to find a turn key business oppoortunity at IHOPs for sale by owner

By Paul Scott

Down the ages, human feelings have found great expressions through the custom of gifting flowers or bouquets. Flowers and bouquets are made use of for several purposes, from congratulating someone on the occasion of his or her birthday or anniversary to expressing an apology, or even to just cheer up someone.

Some people think that this tradition started way back during prehistoric times with archaeologists finding proof of its existence at ancient sites. Ancient Greek mythology, Chinese stories and history concerning the Romans and Egyptians all show that flowers had an indispensable role to play in their culture. In these cultures, it was thought that feelings could find their most suitable expression through the gifting of flowers. Greek mythology is replete with identification of certain flowers that were thought to be representations of gods and goddesses.

The Middle Ages saw a continuation of this tradition, and France and England were mainly responsible for transferring this legacy down the ages. The modern custom of assigning a meaning to each flower is thought to have been brought to Europe after the French and the British experienced it in Turkey.

The tradition of flower giving touched new heights in the Victorian era. Exhibiting emotions verbally and publicly was against the tradition during the Victorian era, and hence people used subtle ways to demonstrate their emotions in the form of presenting flowers or bouquets.

The Victorians devised many rules for gifting flowers or bouquets and implemented them with great ardour. To take an example, buying a bouquet of red roses from a florist and presenting to your beloved upside down would surely annoy her. Red roses, that otherwise symbolize love, can depict anger if presented upside down. In fact, the 19th century saw many books published on the topic of language of flowers.

This custom continues till the present day, where people gift flowers to others to express their feelings. Through gradual changes over the years, we have reached a stage where a lot of flowers now have some meaning and gifting flowers or bouquets has to be done according to fixed rules and regulations. Gifting red roses is still considered as a passionate demonstration of love, and white lilies are known to represent purity and elegance. A lone marigold flower is regarded as an expression of sorrow, on the other hand friendship is best exhibited by a yellow coloured rose.

Science today has helped us to grow all kinds of flowers anywhere in the world. If you are located in Singapore, then a visit to a Singapore flower shop will surely provide you with the best quality flowers, both local as well as exotic varieties, guaranteed to express your feelings to your dear ones in an elegant manner.

About the Author:

Discover more about flowers and find out more about the best florist in Singapore.

By Janette Lindz

Finding the right massage therapy supply items is one of the most important things you have to consider in massage therapy. With all the suppliers and massage therapy supply distributors out there, how do you know that you're in good hands?

Suppliers and Distributors

Read the claims and advertisements carefully. A lot of massage therapy supply companies have the same claims. No company will be modest and tell you that their products are only half as good as the competition's. You should then expect to read a lot of words like, "best," "large scale", "quality," affordable," and "leading." The problem now is finding out which companies can really live up to their ads. There are of course auctioneers and small time businesses that will also honestly sell you a limited line of products. You would however want only the best massage therapy supply items so you should be ready to spend a little more.

Doing Online Shopping

The internet provides for most - if not all - of your needs including massage therapy supply items. Thus, it won't be surprising if you find a busy massage therapist scouting the net for supplies before shopping in brick and mortar massage shops. Even physical store shops now feel the need to hawk their wares online or they'll get left behind by competition. The problem however with online advertisements is that they can even be more misleading especially for the inexperienced. You should therefore take note of a couple of good online shopping tips.

- Directories of massage therapy supply items can provide you with a complete list of suppliers and distributors. You could look at some directories and pick out several companies. This will allow you to compare stocks, prices and additional services.

- Always meticulously check the websites of suppliers that you are considering. You can often tell the difference between amateurs and professional companies just by looking at their sites. Good massage therapy supply companies will give you comprehensive lists of products and descriptions. They can also be easily contacted and will gladly and quickly provide you additional information or advice.

- The internet is one gigantic virtual world of shops and one advantage of buying online is the convenience. All you have to do is click a button and wait for your purchase to be delivered. If you are a first time customer though, it would make better sense to make an initial visit to a massage therapy supply company's showroom. Inspect their merchandise and ask for samples. If a company does not have a showroom than ask for a catalogue and some samples.

Conventions and Associations

An enthusiastic but first time practitioner should also always ask the advice of people who are already experienced at massage therapy supply shopping. You can do this by contacting associations and asking for tips or by simply logging on to professional forums.

Joining conventions and conferences is a great way to meet other massage enthusiasts as yourself. Trade shows will not only let you sample massage therapy supply products but you will also get a chance to test tools and equipment and ask questions. Conventions are the perfect time for you to roll out your long list of questions and get instant answers from retailers and manufacturers. Once you find the equipment and supplies you like, you simply have to ask for ordering details.

About the Author:

The best massage therapy supply items can spell success or failure as a massage therapist. Find links to the best massage therapy resource online!

By Tony Simms

Everyone's dream is to be their own boss. Being able to set your own hours, decide your own dress code, and keeping all the profits you make is a dream come true. It's the dream that motivates people to become self-employed.

Wait one moment, before you quit your day job or buy that brand new house, ask yourself if you have what it really takes to be rich?

To answer, let's see how you rate on these five characteristics. Can you / do you:

* Stick with something even when you don't yet see results? The day you officially start your business will be one of the most exciting days of your life. You'll probably run on adrenaline for the next several days if not weeks.

However, once the excitement wears off, the reality sets in. You're actually working the same amount if not longer hours than you were at your other job. But now there's no boss trying to motivate you to do better, no talk of bonuses or raises or rewards of any kind. Can you still move forward without an immediate reward?

If you understand that a lot of hard work now will pay off in the long run, then you might have the right personality to be an entrepreneur.

* Let go of a losing idea? Trust me on this: When you spend days and weeks working on an idea, it will feel like your baby. And really it is, because it certainly is your brainchild.

Some people believe in this so strongly that they throw good money after bad, never give up their bad idea, and go out of business. If you know when it's time to give up a bad idea, you might have what it takes to be an entrepreneur.

Can you continue on even when people doubt or laugh at you? Although on some level it's important to care what others think, if you care too much you'll never enjoy true success.

Are you confident in your abilities and your idea? If so, then you might make a good entrepreneur.

* Know the value of the products/services you provide? Here's a big problem: Sometimes beginning entrepreneurs work like dogs for pennies. And a lot of times this happens because they don't value the solutions they're offering. The beginning business person thinks, "Gee, I wouldn't pay that much for this product, so I better keep the price low."

If you don't show your customers that you value your own work, they have no reason to value it either. Provide a high quality service or product and people will pay you what its worth. Of course, they will never overpay you.

If you know what your products/services are truly worth, versus what you'd be willing to pay or what you'd like to charge, you might have what it takes to be a good entrepreneur.

Can you be a problem solver?

This is among the most important, but overlooked, things about being an entrepreneur. Without a boss to solve your problems, it's entirely up to you and there's no one to blame if the decision you make is wrong.

But there's a more important reason to be a good problem solver. All products or services exist to solve a problem; your customer's problem. If you can't solve your customer's problem, then your customer will never be your customer. Once you know how to spot and solve your customers problems, then you'll be a great entrepreneur.

If you like this article, there are seven more traits of successful entrepreneurs. There's also a FREE self assessment test to help you discover your inner entrepreneur. You can also use this special link How To Be Successful to claim a free Silver Membership at SuccessUpgrade (normally $27.00)

About the Author:

The Writer has been a full time Internet marketer since 1999 and has written many articles on How To Be A Successful Entrepreneur. There is currently a FREE 1 year Silver Membership to the Success Upgrade Club . Take Advantage of this exceptional offer hop over to our site- Successful Entrepreneur

By Jerome Pennix

With all the attention on the housing market these days, it might be easy to think that it's not a good time to invest in property. Every news report around says something about how terrible the housing market has become. But, the smart investors know that this is the best time to get involved in real estate.

If you are dealing in these types of foreclosed properties, it is pertinent that you are familiar with the state laws in which you are investing. Many states have what is called foreclosure consultant laws which require you to negotiate with the foreclosed owner differently than a traditional deal.

Foreclosures as real estate deals primarily fall into two main categories: preforeclosure and REO or bank owned property. Most investors favor pre-foreclosures, since it gives them the advantage of working directly with the seller of the property and also gives the satisfaction of being able to profitably help a homeowner out of a bad situation.

Due to these problems financially the issues regarding the mortgages and other real estate concerning issues are increasing more. Even though many programs are formed nation wide for the mortgage borrowers to avoid foreclosure, it is giving them only a chance to close their older debts rather than reducing their payments that are made monthly towards interest which in turn would help them from foreclosure. In short these programs are not useful in helping the borrowers lower the interest rates that are really very huge which the borrowers are not able to pay off. And the bankers and the lenders are now claiming that they are streamlining the whole thing so that there is a permanent solution to the problem on the whole which would surely help the people save their properties from foreclosure.

This is probably the best time in many years to invest in foreclosure properties for sale and investing in rental properties. The inventory of properties is large and the number of renters is even larger. Learn as much as you can and take advantage of this situation. Visit are site to help you get started.

About the Author:

Learn alot about foreclosure investing and REO investing at our website. The better the knowledge you have the better the deal and the alot money you can make.

By Steve Roherlind

One of the best tips on selling Final Expense is make sure you have plenty of leads. Without Final Expense Leads, you are dead in the water when it comes to selling Final Expense Insurance.

You don't necessarily need leads but without leads you will have to do your own prospecting. Door to door sales was very common in the past but most agents dread "walking and talking". Having a good supply of leads makes life much easier and puts an agent in a much better position to create success.

Leads are expensive, right? They sure are and the norm in the industry can be $25-$35 per lead! Many of these leads may be weeks old by the time you get them and by the time you get them another agent may have already contacted the person before you even get your $25 lead.....OUCH! There are even cases when your supposedly fresh leads are months old not just weeks.

Another route to go is to buy those "B" leads... These leads are months old and most likely have been worked by some other agent in the past. "B" leads may only cost you $5 per lead. These final expense leads may not be fresh but you can definitely find sales out of them.

Agents who have a large supply of "B" leads know the importance of them. It may take several contacts with client before they buy. If you get an older lead, that client may have been contacted a few time already and by the time you make contact, their situation may have changed and they are ready to buy. These less expensive leads can be just as effective as the more expensive fresh leads.

An agent that only has a few leads is only setting themselves up for failure. Also, when an agent doesn't have enough leads to work, they feel pressure to make a sale for each lead. Clients can sense this desperation and will only turn down the agent. In this business it is very important to have access to unlimited leads.

When you only have access to a small number of leads it makes succeeding in this industry extremely hard. Out of those 10 leads, 3 you may never get in touch with. 3 of them may be broke. 3 of them may hang up on you and that leaves you 1 to get the sale. Not good odds or a great way of making a living. You could order 30 leads a week but now you are looking at almost a $1,000 per week in lead cost alone not including travel, gas, and on and on.

Don't sell yourself short, make sure you invest in your business and have plenty of leads on hand. This will give you the best opportunity to succeed in the insurance industry. Doing otherwise will only set one up for failure.

About the Author:

Steve Roherlind is the Pioneer in Final Expense TeleSales and has perfected a platform for selling Final Expense over the phone. Agents are needed Nationwide who want to make $100,000 plus without ever leaving home. Go to Final Expense Leads .

By Jim Ziebarth

William Darrell "Billy" Mays, Jr., the most famous television advertisement pitchman, will be remembered for pitching Oxi Clean, Orange Glo, and numerous other cleaning, and maintenance products. His distinctive beard and unique persona produced one of the most recognized television presences in the United States.

Mays was born in McKees Rocks, Pennsylvania, on July 20, 1958. He would go on to attend Sto-Rox High School, while living in Pittsburgh, Pennsylvania. He dropped out of West Virginia University. Billy Mays began working with his father's hazardous waste company. He then moved to Atlantic City in 1983.

Billy Mays's move to Atlantic City introduced him to his future career...pitchman. Billy started pitching products such as Washamatik. Washmatik is a portable cleaning device. He "pitched" to anyone who would listen or could be drawn into listening. Soon, the world would realize that Billy Mays had found his calling.

Pitchmen must be able to draw people to them, interest them, and make the sale. Billy Mays learned how to sell from other Atlantic City pitchmen. Billy listened to every word. The skills learned in Atlantic City would become the launchpad for Billy Mays's career. Leaving Atlantic City, he traveled from home shows, to automobile shows, to state fairs throughout the country.

In 1993, Bill Mays became friends with Max Appel. Max Appel was another pitchman with whom Billy had cultivated a rivalry. Appel had moved from pitchman to entrepeneur by founding Orange Glo International. Max Appel realized the greatness that was Billy Mays. He hired Billy to pitch his line of cleaners on the Home Shopping Network. Billy moved to St Petersburg, Florida to pitch products such as OxiClean, Orange Glo, and Kaboom.

Billy Mays soon achieved the rank of entrepeneur. Mays Promotions, Inc. was founded by Billy Mays. He served as the company's Chief Operating Officer (CEO). His Odessa, Florida home was the company's first headquarters. Success would not elude him. Companies and inventors fought over the chance to have their products sold by the world's greatest pitchman.

In 2009, Billy Mays became a TV superstar. Discovery Channel began airing "Pitchmen". Pitchmen took viewers behind the scenes of TV infomercials. Viewers were able to watch inventors pitch their products to Billy Mays and his partner Anthony Sullivan. See which products they picked up and see how an infomercial is produced.

No one gets out of life alive. Billy Mays expiration came on June 28, 2009. His wife found him unresponsive in bed. Early reports seemed to indicate a head injury from a very turbulent flight. Overhead bins had opened and released various items onto Billy Mays's head. Autopsy would not find any head trauma. It would indicate Mays had died of a massive heart attack.

Hillsborough County medical examiner Dr. Vernard Adams performed Billy Mays's autopsy. He announced that Billy's death had been caused by hypertensive heart disease. Indicating, the most likely cause of death was a heart attack.

Billy Mays was a pitchman to the end. At his funeral in McKees Rocks, Pennsylvania, Billy Mays was buried in a shirt bearing the OxiClean logo. His career was seen throughout the service. Pallbearers wore khaki pants and blue shirts, just as Billy had during his commercials.

About the Author:

Are you a fan of late night TV? Or a fan of celebrities? Jim's Celebrity Newss is dedicated to all things celebrity. Whether reporting the world's greatest pitchman Billy Mays, Tom Cruise, or Brittany Spears, you can count on great gossip.

By Wade Henderson

In international trade, the amounts and remoteness of the partners involve the creation by the bank of a specific payment instrument called documentary credit.

Letters of credit are forms of documentary credit. It balances the interests of the seller (the person to be paid) and the buyer (the one who receives the ordered goods in the qualities, quantities and periods contracted). It will provide security of payment sought by the seller and also the security of delivery for the buyer.

Documentary credit is used around the world by many countries with the objective of reducing the conflicts of interest that may exist between sellers and buyers. For instance, the ideal transaction for the exporter is the one when it pays right after receiving the goods. Conversely, for the importer an ideal scenario is when he or she receives payment before shipping the merchandise.

Documentary credit is a commitment from a bank to pay a specified amount to the supplier of goods or services against the submission (within a specified time) of documents that prove that the goods have been shipped or that the benefits or services were performed according to the agreement. The purpose of these documents is to justify the proper execution of the obligations of the exporter. These documents will then be transmitted by the bank to the buyer against reimbursement, for the latter to take possession of the goods.

The benefits of this type of document are for both parts. The seller will receive payment only after the bank has made sure that the merchandise meets the criteria established by the agreement and the buyer will be able to use the products only when it has made the payments.

The use of documentary credit responds to the following two necessities:

To provide the exporter with a commitment from the importer's bank, and separate from the actual payment of the importer (the Bank undertakes to pay, even if the importer has any difficulty in doing so).

Assurance to the importer that the merchandise will be received according to expectations. Documentary credit guarantees that the payment will be done when the seller shows that it has delivered the merchandise.

About the Author:

Wade Henderson - recognized Professional - 15 yrs in the Business Finance Field - strong reputation for getting the deal done. IMMFinancial.com

By Wade Henderson

A standby letter of credit is a combination of financial guarantee and documentary credit. It works as a guarantee when the seller of the merchandise does not work according to the written agreement. It also works as a credit document because it needs all documentation to be submitted.

Nevertheless, it is important to understand that a standby letter of credit is not a form of documentary credit per se. When it is true that a standby letter of credit bears a lot of similarity with the letter of credit is only protects against risk of non-payment but it is not a payment agreement.

The standby letter of credit type of commercial guarantees the obligations of a buyer to pay for goods or services. It is the irrevocable commitment of a bank to compensate the beneficiary when the payer defaults. Standby letter of credit can be used against the handing over of some documents that may be limited to the statement made by the creditor that the debtor has not fulfilled its obligations.

The two parts, the exporter and importer sign an agreement which is a standby letter of credit that guarantees the payment for the exporter. Two banks, the issuing bank and one in the country of the importer coordinate in order for the credit document to be valid. Once this documentation is ready, the merchandise is shipped. Normally, transactions of this nature happen without problem and payment is sent to the exporter.

If the payment does not happen then the standby letter of credit comes to play. The unpaid seller appeals to the guarantee under the form of a request signed by him or her and certifying that the buyer has not fulfilled its payment obligations. Later the buyer will provide the documents that demonstrate that he or she has when the standby letter of credit is issued. If proven that the buyer has fulfilled its obligations, this results in payment by the issuing bank.

The evidence to the involvement of a commercial standby letter of credit are rather complex and few. It may be asked to produce:

The original of the certificate of non-payment, written on letterhead of the seller and signed by him;

The second one is the invoice showing the details and amounts of the transaction.

The last one is a proof of shipment of the merchandise.

About the Author:

Wade Henderson - recognized Professional - 15 yrs in the Business Finance Field - strong reputation for getting the deal done. IMMFinancial.com

By Wade Henderson

Leasing works as a method for financing a company's operations, but just like everything else it has positive and bad aspects to it.

The advantages are:

One of the main aspects of leasing is the fact that it allows an owner to fund an asset through its own resources and still keep an attractive profile for future bank funding. These operations may be operationally and financially risky for some banking standards.

Another attractive feature of leasing is its flexibility in terms of timing and the ability to purchase other goods. In general, leasing will allow a company to have more working capital to acquire new and less expensive assets.

Leasing allows companies to maximize savings and the efficient use of working capital. When a company has more available funding, it can then invest on new and more sustainable technology and materials. On the contrary, a business not using leasing has to look for expensive sources of funding like banks or capital investors. This makes leasing attractive because the company does not have to divide social equity in shares and cede control to external new partners.

Leasing may also reduce the amount of taxable dollars through amortization. Given that the value of a leased piece of machinery is not actually registered as a purchase spending is reduced and within a period maybe smaller than the accelerated depreciation.

Nevertheless, there are some conditions for the tax exemptions to be applicable:

The leasing contract can only be for machinery or property and must be leased from a period of 2 to 10 years. The latter is used mostly for long term assets like the leasing of property. The contract has to include all considerations related to the use of the property. The leasing contract should also include a clause that gives the lessee the option of buying the asset.

Leasing also has disadvantages, some of them are:

The most important is the fact that the company does not own the asset at the end of the contract. Access to the ownership of the asset at the end of the contract, to exercise the purchase option.

Increased cost of debt relative to bank credit because the client must pay insurance on the property, which would not have to pay if the property was financed with a traditional bank loan.

About the Author:

Wade Henderson - very Professional - 15 yrs in the Business Finance Field - reputation for getting the deal done. IMMFinancial.com

By Wade Henderson

Let us talk now talk about the parties involved in the process of a letter of Credit.

The originator is the causer of the letter of credit. It is the company or individual that is generally importing goods from another country. The originator will request credit from a bank to pay for the merchandise.

The Issuing bank would be the financial institution that supports the importer and extends the lines of credit for him or her. This bank will make the payments to the exporter based on the terms and conditions established in the letter of credit. This bank operates usually from the importer's country.

There is also an Advising bank. This financial institution works as a correspondent to the issuing bank and in cooperation with the beneficiary. This bank will inform the exporter if a Letter of Credit has been opened to their favor.

The Credit Beneficiary is the person or company that receives the benefits from the Letter of Credit and that can demand the payment to the issuing bank once the conditions established by the agreement are met.

There may also be a Confirming bank if the importer required it and if it is indicated in the letter of credit. This bank would work as a link between the issuing bank and the exporter and it may also take the responsibilities of the first one

A letter of credit must generally contain a set of data, including an identification of time, an amount by which the credit is opened and the signature of the policyholder.

A letter of credit has the following process:

First of all, the importer and exporter sign an agreement in which they establish the terms of the transaction. This is the letter of credit.

An issuing bank is chosen in order to issue a Letter of Credit for the exporter or seller of the merchandise.

The exporter would then choose an advising bank that would be a correspondent to the issuer bank. The role of this bank is to inform whether the agreement was met based on the expectations of the exporter.

If the importer requested it, a confirming bank would inform the seller when there is a letter of credit to their favor.

The seller must go to the bank in which credit is available to submit any documentation. This is done in order to verify that the shipment was made pursuant to the terms and to request payment according to the specified deadline.

About the Author:

Wade Henderson - recognized Professional - 15 yrs in the Business Finance Field - strong reputation for getting the deal done. IMMFinancial.com

By Travis Ristig

The population of scammers is constantly growing these days. The latest scams to jump the bandwagon are the get rich quick pyramid scams which are abundant these days. Though you have many genuine schemes which can help you to earn money in a legitimate manner, there are many other scams as well. What you really need to know is to how to make out whether its a genuine money making scheme or just a scam.

Of course, you may be wondering how you can ever avoid these scams in the first place? Well, while you can't totally avoid seeing these scams, there are some things that you can do to make sure that you are not conned into getting involved with one of these scams today. Here is some good advice that can help you avoid getting involved in a pyramid scam yourself.

Claims of getting rich overnight or in a jiffy are nothing but hogwash. You need to steer clear of people who promise you overnight billions. Though many genuine opportunities do exist in the market which can give you a good amount, millions are really not manifested overnight. Hence, if someone talks to you like that, rest assured its a get rich quick pyramid scam.

Another thing to watch out for is pyramid scams that want you to purchase something. While there are legitimate opportunities where you may pay for a product, take a look at the language. Are they offering to tell you the secret to instant wealth? If they had this secret, why would they really tell you? These types of scams are well known for being dishonest and professing to share these types of secrets with you.

It is a great idea to check into the domain name that is offering you the opportunity as well. See if they offer contact information that looks legitimate or if they offer contact information that doesn't even work. If you try out their contact information and it doesn't work for you, there is a good chance that this is only a scam.

To avoid such get rich quick pyramid scams, you can even research the company name on a search engine. Try to Google the name of the company or the opportunity. Look at what you get. Customer feedbacks, grievances and articles which speak negatively about the company are a sure shot sign that this company is merely scamming people.

In some cases you may be able to use the Better Business Bureau to help you out as well. Often if there is a problem you may be able to check with the BBB to see if there have been any complaints about the company. If you do check and you find that there are many complaints, this should be an instant red flag that the opportunity is more than likely a scam that you need to avoid.

Scams can be simply avoided by avoiding all kinds of unsolicited emails. Generally unsolicited emails are a harbinger of these scams. Hence, dont let these emails go to your inbox. You can use the spam folder to segregate and separate them from the other emails. Sometimes, an email which talks about your chance to become a millionaire overnight may just get into the inbox on a sly. This is only an unsolicited email and most likely a scam. As it is people sending such emails cant really be up to any good.

Yes, there are some great opportunities out there that will allow you to make money, but there are scams out there as well that you need to avoid. In order to avoid getting involved in get rich quick pyramid scams, make sure that you keep these tips in mind to ensure you are not another person that gets taken advantage of by those running scams out there today.

About the Author:

For Any of you who want FREE ebooks on Massive Traffic, Viral Traffic Generator and Advanced SEO Techniques to help your business grow rapidly just email me and theyre all yours, no catch. You may contact me at the bottom of my website by visiting here , which is worth taking a look at as well for those wanting extra income very easily.

By Jerome Pennix

When starting in real estate investing, one of the first places you probably looked was mortgage foreclosures. Many people claim to have the "secret" to buying and making money with the foreclosure market. However, with many different strategies for successfully buying and selling foreclosed properties, each investor will eventually find their own "secret" to making money in real estate.

If you're hoping to get your start in real estate investing, one of the first places you probably looked was mortgage foreclosures. You probably contacted (or tried to, anyway) owners of properties who were about to lose their homes due to non-payment of their mortgage. If you were lucky enough to get anyone to answer the door or phone, you tried to strike up a deal with them to buy the property and make some money on their equity.

The truth about foreclosure sales is that the vast majority of foreclosed homes do not go to investors but are sold back to the lenders which repossessed them. Foreclosure investing has increased in the number of purchases being made over the last few years. But this increase truly reflects the soaring number of homes going into foreclosure.

Foreclosure investing though it can be challenging, can be very rewarding if you understand the ropes and have good helping resources. If you willing to take a little risk foreclosure investing is for you. There are billions of dollars invested in real estate every year, and many investors make a good living with foreclosure investing. My web site will look at the basic aspects of foreclosure investing

Foreclosure investing requires very little money down because both the sellers and banks are motivated. No matter the economy, foreclosures are a fact of life even in good times, but the current economic situation has made this time an unprecedented opportunity. Even with interest rates changing, and loan revisions being made, you can find foreclosures in almost every town.

About the Author:

To learn a lot about making money with foreclosures, visit my site http://www.reogoldminer.com

By Wade Henderson

Standby letters of credit are created as a last resort by importers and exporters only in case that something goes wrong. Standby letters of credit protect buyers and sellers of non compliance to the conditions agreed by both sides.

For Standby letters of credit to be effective, a report needs to be sent to the issuer of the letter that the beneficiary failed to comply with the expected conditions. This form of credit documentation protects improve and enable transparent financial and commercial transactions outside the borders. For example, if the exporter sent merchandise that does not fulfill the expectations agreed a bank will be notified and he or she will not receive payment.

Some of the features of Standby letters of credit are:

They use SWIFT or authenticated telmex messages in order to deliver information outside borders. The banks are crucial in the validation of these documents because they are the ones that dictate whether or not the beneficiary is able to collect or not.

A convenient aspect of Standby letters of credit is the fact that they can be issued in any country. There are also not financial restrictions for amounts. However, the line of credit of the bank that issues them may be a limitation.

There are four types of Standby letters of credit: Irrevocable, Revocable, Revolving and Transferable.

They can be paid in more than one way and the payment methods are varied: Documentary Credit, Advance payment, Documentary collection and Direct payment

Standby letters of credit work similarly to regular letters of credit that protect imports. However, they require the issuing bank to provide security and availability of funds for the payment in case that the conditions are not met.

Let us now talk about some of the benefits of Standby letters or credit have:

First of all, they allow for better and more transparent international transactions providing protection to importers and exporters. Their creation requires negotiation and agreement between buyers and sellers. Standby letters of credit are accepted and originated in different countries.

Another positive aspect is that they are governed by laws that unify criteria and interpretations. Therefore they guarantee payment or fulfillment of commitments, contracts, purchase or sales.

Lastly, they contribute to the efficiency of international transactions for they set the process for conditions to be followed.

About the Author:

Wade Henderson - recognized Professional - 15 yrs in the Business Finance Field - strong reputation for getting the deal done. IMMFinancial.com

By Wade Henderson

Some of the services that the factoring companies provide are as follows:

Factoring companies are in charge of the administrative management of the accounts receivables you provide, and also their collection.

Coverage of the risk of unpaid if the debtor proves to be insolvent. The factoring company will pay the exporter the amount of the bill by drawing on its own funds. However, it can not provide unlimited coverage. That is why after a study of solvency, it will set for each debtor a limited coverage.

The factoring company can give the company up to 85% of the value of all invoices submitted in the form of a credit. With these funds, the company will be able to face their daily demands of cash flow. Cash flow needs will determine if the company will request a partial or total credit. The credit is considered as paid when the customers pay the factoring company what they owe to you.

The factoring companies protect users from the fluctuations in the exchanger rates of currencies when the clients are in other countries.

While most companies using factoring are interested in all the services offered against others choose to keep either of these functions on their own.

The rates that Factoring companies charge ranges from 0.5 to 2.5% of the amount of accounts receivables they will collect. In general, these rates depend of a series of factors that are related to the customer and the administrative tasks related to collect the invoices. In order to set a fee factoring companies consider:

First, Factoring companies will identify what are the administrative costs that they would incur when collecting the accounts receivables. These costs are reduced when the customers have a high likelihood of paying back. When the company deals with exporting, Factoring companies will also consider the number of countries and clients contracted. The more Accounts Receivables, the lower the fee the Factor will request. The formula they use is also a crucial matter to determine the fee.

Factoring companies may also charge you for their speed in collecting the invoices. You will pay a bit more if the Factoring companies manage to recover your receivables in a short period.

In order to establish what the real cost of factoring is, you should not only add the fees and the interest rates you will pay. The reason for this is that Factoring companies save you money in labor and administrative work, and they also provide you services as well.

About the Author:

Wade Henderson - very Professional - 15 yrs in the Business Finance Field - reputation for getting the deal done. IMMFinancial.com cash flow finance medical receivables

By Wade Henderson

One of the main advantages that LC grants to business owners is the fact that they can be resold to financial institutions. Something that other documents do not allow.

The main advantage of a LC is that the exporter can sell the promise of a bank to pay, not the promise of a commercial enterprise.

Through the use of LC, a business is more likely to keep the same exchange rates in the course of transactions regardless of the changes that countries do in their currencies. It is not in the best interest of local governments to show the world that the LC are not valid because there were changes in currency.

If the importing country changes its currency rules in the course of a transaction, it is likely that the government will allow that LC outstanding and are satisfied, for fear of launching their national banks (local) in an international disdain for a job if this LC confirmed by a bank in the country of the exporter.

The importers also see the benefits from the use of LC because they do not need to pay for the merchandise only when the documents arrive to a port or local airport.

LC also present difficulties to the importers:

Some of the disadvantages of LC are:

LC also have their risks:

One of them is the exposure to the changes in currency rates: Companies can be protected against currency fluctuations only to the extent that is specified on the LC. However, there are some fluctuations that would affect the prices of goods within a country and could make them more expensive and on this, LC may not have great influence.

Companies are vulnerable to the fluctuation in exchange rates. Even when LC can give some protection against this issue, it only depends on the economic dynamics of the country. If the prices of certain goods or raw material become higher, the cash flow would be affected in spite of the use of LC.

Exposure to foreign economies: When multinational corporations entering foreign markets to sell goods demand depends on economic conditions in those markets, therefore the cash flows are subject to economic conditions abroad.

LC would provide some stability but provide little guarantees when it comes to political and economic decisions of foreign governments.

About the Author:

Wade Henderson - recognized Professional - 15 yrs in the Business Finance Field - strong reputation for getting the deal done. IMMFinancial.com Letter of Payment SBLC Advance

By Mark Bradley

For many years, the continuous changes in the society and the community have greatly affected communication and Real Estate. These resulted to challenges and gave a way to what we now call Real Estate social marketing.

Real estate business, as we all know, is about the buying and selling of real property such as homes or lands. This world of business has always been tough and full of competition since it requires a lot of time and much effort. Many Real Estate agents who were not able to make use of their time and efforts effectively made an abrupt exit from the world of real estate.

Optimizing the use of the internet, Real Estate agents have realized the need to use Real Estate social marketing campaigns. Well thought of and critically prepared marketing campaigns are posted on online marketing blog sites. And these sites can also be retrieved by others over the internet. Social marketing networks primarily draws back to its basic purpose: to help people buy the products they need and choose carefully the services they want to make use of.

Real Estate agents should fully understand and put into practice the importance online marketing more than before. To have increased profits and returns, good Real Estate brokers should prepare Real Estate marketing plan carefully. This is necessary because clients grab the opportunity to search over the internet the things they want and need including the things they want to buy or have.

A lot of websites allow Real Estate marketing blogs and services that will help you as an agent and increase your traffic resulting to more sales. A site that gives you more but demands less from you would be a very nice choice.

Quizilla is a social networking site that allows you to use variety of features available. This site has a wide array of rich text and media contents that will surely help you achieve what you need. Quizilla offers stability. A lot of sites over the internet offer services but oftentimes they also state that their site is under construction or repair.

Creating an account in Quizilla is easy. You just simply fill out the registration form with a username, password, email address and some basic information about you. After the registration, you can already enjoy the features of Quizilla and start making Real Estate marketing blogs. Blogging, available through the Journal in Quizilla, is available only for registered users. The working area allows you to format your text, add and remove titles and insert pictures. It also has privacy settings to let you decide whom you want to view your blogs and posts. Posting your blogs in Quizilla is hassle-free because it allows utilizing its menu to produce better blogs for marketing.

Polling is another feature that can definitely help you. As one of the Real Estate marketing strategies you can use, polling helps you to know what percentage of the online users think about certain topic or issues. Twenty questions are the maximum number of polls given to a member with 10 associated results.

You can also check your posts, your messages, your friends, your favorites and other things through the my stuff tab. This feature also allows you to check who has followed you and your blogs. And it also gives you a chance to follow and see other?s journals and blogs.

It also makes use of quizzes, stories, poems, lyrics and games which might help you understand how this internet marketing blog site works for everyone especially for Real Estate brokers and agents.

About the Author:

SEE YOURSELF USING the Power of Real Estate Web 2.0 for Yourself? You Get Better leads! More deals! and huge paychecks! Click And Discover The Secrets Power of Real Estate Web 2.0 you now qualify for a $375.99 Real Estate Web 2.0 Custom Blog FREE! Get them now Limited Supply!

By Sheryl Bocelli

In day trading, it is important to know how the market is doing at a given period. You must be able to determine its trend moving upwards and going downwards. It is of vital importance to determine the market cycle at the time you enter the arena. You must be able to trade on that day without losing a single dime. Always bear in mind that you are enter an unpredictable zone.

Be sure you have done your homework before you put yourself into a crucial test. For day trading you must understand all the movements of the market place and make your intelligent speculation. You should understand that you are treading the most dangerous path and day trading is very speculative. Your speculation can result to either loss or gain. One thing about speculation is you get hooked to it when you get profitable returns as a result of your execution.

You go home happy bringing home the bacon with a feather on your cap. More often your decision is clouded with exhilarating thoughts of making more money. You cannot do that for that will obscure your good judgment. Always make a god plan, make a good move and end up with a good day trading result.

You should have a long range plan with a time frame. You must at all times consider timing your moves or you can be too early or too late when you get yourself in the market place. In case you are doubtful and you have some uncertainties that you have arrived at the wrong timing, then get yourself out. You step aside and observe for the next session. Always look at the big picture of the market place when you are preparing for day trading.

It is of utmost importance that you stay logical at all times. If you are a newcomer to this arena and you insist doing this style you must be prepared to suffer financial losses. Make sure you have a strong heart to resist a cardiac arrest. You need to understand that with your style the odds are tremendously high when you are into day trading.

About the Author:

Day traffic is a single technique that you should try in Day Trading that can be really profitable for traders who have been intent in this arrange of traffic execution. This technique is germane when traffic as well as investing in a Stock Market. Simply revisit this site during http://www.tradestocksamerica.com to know some-more about it.

By Angela Kleinertski

There are a lot of questions amongst real estate investors when it comes to REO properties. Several real estate investors are talking about the great buying opportunity of REO properties. But most of them still prefer buying auctioned properties than deal with bank owned properties.

More people are becoming interested in purchasing properties owned by the bank. We often see information advertised promising to make us lot of money without having to put much effort - once we know the secret how to do it. In reality, there is no such thing as a secret method and in order to earn money, hard work is required.

Buying foreclosed or REO properties shouldn't put anybody off. These properties can range from poor to perfect condition and it doesn't necessarily mean that there is anything wrong with them. One main reason why a property is foreclosed is due to the inability of homeowners to pay their mortgage obligation.

In areas where there are a number of bank owned properties, banks might offer the property at 20-30 percent lower than market value. Most banks would want to sell these REO's as close to the market value to recover their money. So be sure to compare prices and calculate the cost and time of repairs before deciding to buy an REO property.

There are several properties a real estate agents, brokers and property preservation contractors have to work with. Properties that must be secured, repaired, maintained and sold. REO Properties are selling because of the low price and the opportunities they give to investors who have the money.

There is a reason why there are so many REO properties. In fact most large banks have entire departments dedicated to REO properties. Most properties that go to foreclosure auction in fact do not end up being sold. Most don't even get any bids. This is because if the property was easily worth more than the mortgage amount that was owed on the property the previous owner would have simply sold it themselves and pocketed the difference. Instead, the auction results in an unsold property and the bank is now left a property on their hands to sell in the open market.

About the Author:

To know more about the secrets of REO Investing and for a complete guide to Bank REO Property Listing, please visit www.reogoldminer.com.

By Wade Henderson

Venture capitalists are usually professional investors that buy the shares of newly opened or start-up business. These investors buy share that will last for a limited period of time.

This type of funding allows small companies to experience growth in their first years. The participation of venture capitalists allows small companies to be more attractive to financial institutions and improve the possibilities of getting bank loans.

One of the benefits of venture capital is receiving the expertise from the investors. They also have a network of contacts that may help the small rising company to establish bonds quicker within their industry.

Is there a difference between capital investment and Venture capital?

Venture capital is a type of private equity investment, where the investors buy minority shares from small rising companies that are not listed in the open markets. The objective of these investors is not to stay in the company indefinitely, but to receive gains on their shares and leave the partnership after 4 or 5 years.

There are different kinds of private equity investments for any area of business development.

Various private or semi-public equities are present on the market. Some are specializing in specific sectors of activity (bio technology, information technology, etc.)

Venture capital is almost exclusive to new companies, but not just any company. This kind of capital is given to creative and innovative young companies.

The typical investments of capital are higher than 300,000 euros. However, this does not mean that there are not venture capitalists who invest less. There are angel investors who may invest amounts from as low as 5,000 to 150,000 euros combined with other investors.

There are capital investments for every stage of development of any business. For example, Seed Capital is given to companies that have just started or those that are in the process of developing a new line of product, or prototype. Of course, this kind of funding is given to companies that are already legally constituted.

Another example of capital investment is that given to companies that are already past the first stages. This is commonly referred to post-creation capital.

All of these are examples of venture capital investments.

About the Author:

Wade Henderson - recognized Professional - 15 yrs in the Business Finance Field - strong reputation for getting the deal done. IMMFinancial.com venture capital equity venture capital association

By Kobi Haretz

Due to frustration with utility companies more and more people are looking for way to make a switch to efficient and affordable homemade energy. One of the first steps in significantly lowering your costs is making the transition to a solar powered water heater.This is done by installing solar photovoltaic panels.This is much more efficient today because of affordable home solar panel kits.The use of solar power now allows you to heat your water efficiently and affordably.

Many people don't realize the number of options they have when making the switch to homemade energy. Solar panel kits can be built in your own back yard and used to heat your water.Before the water enters your home it passes through a series of pipes heated by the solar collector. You will also need a storage tank to help keep the water warm before it is used in your home.

There are a variety of solar collector options,but the most common is a flat plate collector. It is a thin, flat box with a see-thru cover and it carries fluid to be heated. The fluid can be water or it may be a solution, such as antifreeze that will prevent the water from freezing. Next the water moves through the tubes to an absorber plate. This plate is black to attract and absorb the heat from the sun. When the collector gets hot, it will heat the fluid that passes through the tubes. The water will then pass through the tubes and then to the storage tank. The tank holds the water after it is heated. It is usually well insulated so the water will stay warm longer. Then the water flows into the home as needed.

There are two groups in which solar water heating systems are divided into, Active and Passive:

1. The active water heating system is quicker and more efficient making it the most common system. Relying mainly on a pump or some type of mechanical device, the water is moved from the flat plate collector to the storage tank.

2. Heating water by relying on gravity to feed the water from the flat plate collector to the storage tank is called a passive system. This system may be slow and difficult to keep up with demand. Having the angle correct on your flat plate collector and storage tank is also a must for the passive system to work properly since it relies on gravity.

Solar power is an efficient and affordable alternative for heating water and requires some knowledge and minimal efforts. You can take the first step to living off grid by choosing to heat your water using solar power.

About the Author:

Trying to find more information about solar photovoltaic products ? Then you will find plenty of resources aboutliving off grid by visiting Kobi Haretz's site.