Showing posts with label Business Informations. Show all posts
Showing posts with label Business Informations. Show all posts
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Business Informations
It is very tempting to play the lottery. Just last week, there was a lottery in my area that had a grand prize of $110 Million! What you could do with all that money. Unfortunately, the odds of winning that prize were 1 in 54.9 Million. In other words, you'd be more likely to get hit by lightning or die in a plane crash than win. So, it's really a sucker bet. But, still, it's fun to play.
Lots of people use "systems" to try to win. They use birthdays, or they keep track of which numbers have already been picked, or any of the other systems out there. Well, the bad news is, NONE of them work. There is NO way one can accurately predict which numbers will come up in a random drawing.
Let's look at the most common way to "predict" lottery numbers. This would be tracking. People have kept track of lottery numbers for years, trying to establish a "pattern." Either they are looking for which numbers come up more often, or which have been neglected. They use this information as a basis for the numbers they pick. This just doesn't work, though. With the number of balls in a state lottery (usually 40 - 45), there are just too many different combinations of numbers to be able to predict which will come up, based on past performance. Sure, the "law of averages" would say that the number 9 should come up soon, since it hasn't been picked for 6 months. However, you can't say when the 9 will come up. You will probably find that 10 to 12 of the numbers haven't been picked in some time. This is NOT a pattern, this is randomness. The other numbers will eventually be picked, but not all at once.
Playing by birthdays, addresses, or lucky numbers is the same. The idea is that if you always play the same numbers, they will eventually come up. In theory, this is true. You may have to wait a few hundred, or even thousand, years, though, because of the shear number of combinations possible. If you play the lottery consistently, you are bound to win SOMETHING, even if it's a little prize. This gives some people the misguided notion that their system works. Actually, they were just lucky. If you look at the statistics for those who win the lottery, you will find that most of them let the computer pick their numbers. They play randomly.
Lots of people use "systems" to try to win. They use birthdays, or they keep track of which numbers have already been picked, or any of the other systems out there. Well, the bad news is, NONE of them work. There is NO way one can accurately predict which numbers will come up in a random drawing.
Let's look at the most common way to "predict" lottery numbers. This would be tracking. People have kept track of lottery numbers for years, trying to establish a "pattern." Either they are looking for which numbers come up more often, or which have been neglected. They use this information as a basis for the numbers they pick. This just doesn't work, though. With the number of balls in a state lottery (usually 40 - 45), there are just too many different combinations of numbers to be able to predict which will come up, based on past performance. Sure, the "law of averages" would say that the number 9 should come up soon, since it hasn't been picked for 6 months. However, you can't say when the 9 will come up. You will probably find that 10 to 12 of the numbers haven't been picked in some time. This is NOT a pattern, this is randomness. The other numbers will eventually be picked, but not all at once.
Playing by birthdays, addresses, or lucky numbers is the same. The idea is that if you always play the same numbers, they will eventually come up. In theory, this is true. You may have to wait a few hundred, or even thousand, years, though, because of the shear number of combinations possible. If you play the lottery consistently, you are bound to win SOMETHING, even if it's a little prize. This gives some people the misguided notion that their system works. Actually, they were just lucky. If you look at the statistics for those who win the lottery, you will find that most of them let the computer pick their numbers. They play randomly.
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I have always considered that learning any subject is really the learning of secrets. Well, they aren't REALLY secrets but they are rules that contain a main basis or subject. Consider spelling. To know the rule, 'I before E except after C' tells you how to spell more words than learning that ceiling is spelt as I have just spelt it.
Learning mail order is no different from learning any other subject. Certain rules or 'secrets' will bring you more success than experimenting your newest ideas. I am about to outline some of the secrets which, after many years in mail order, I have learn about advertising. I must point out though that these secrets will not really be known to you until you have actually PROVED them to be right for yourself.
1. One order from one small advert in a mail order magazine is about normal. Two is good and three is excellent. It isn't really the number of replies that is important so much sas what to do with the replies.
2. Never try to sell anything in a small advert in a mail order magazine for over Ј1. Anything advertisied for over Ј1 will normally (not always) receive no replies at all.
3. You will rarely ever make a profit from a small advert. It is the FOLLOW-UP that makes the profit.
4. Advertising something FREE will bring most replies but asking for one or two stamps will bring the best results. In my experience, I have proved that this is true no matter WHAT other articles may say.
5. Always give more than the customer actually expects to receive as this creates a good position to follow up from.
6. Try to make the wording of your advert leave the potential customer wanting to know more. e.g. The above title left YOU wanting to know 'The Ten Big Secrets' - didn't it?
7. Aim your advert to the reader. Readers of mail order magazines are mainly mail order dealers and NOT Opportunity Seekers although there may well be some others.
8. Always put a personal hand written letter in your follow-up unless of course your handwriting is on the down side.
9. I have never found that MORE words mean MORE success although more words can be used to advertise more than one thing which can bring in more money from the advert itself but it does not increase the overall number of replies.
10. Rules can be broken BUT it is a good idea to stick to rules in the main until you really know how to break them.
Learning mail order is no different from learning any other subject. Certain rules or 'secrets' will bring you more success than experimenting your newest ideas. I am about to outline some of the secrets which, after many years in mail order, I have learn about advertising. I must point out though that these secrets will not really be known to you until you have actually PROVED them to be right for yourself.
1. One order from one small advert in a mail order magazine is about normal. Two is good and three is excellent. It isn't really the number of replies that is important so much sas what to do with the replies.
2. Never try to sell anything in a small advert in a mail order magazine for over Ј1. Anything advertisied for over Ј1 will normally (not always) receive no replies at all.
3. You will rarely ever make a profit from a small advert. It is the FOLLOW-UP that makes the profit.
4. Advertising something FREE will bring most replies but asking for one or two stamps will bring the best results. In my experience, I have proved that this is true no matter WHAT other articles may say.
5. Always give more than the customer actually expects to receive as this creates a good position to follow up from.
6. Try to make the wording of your advert leave the potential customer wanting to know more. e.g. The above title left YOU wanting to know 'The Ten Big Secrets' - didn't it?
7. Aim your advert to the reader. Readers of mail order magazines are mainly mail order dealers and NOT Opportunity Seekers although there may well be some others.
8. Always put a personal hand written letter in your follow-up unless of course your handwriting is on the down side.
9. I have never found that MORE words mean MORE success although more words can be used to advertise more than one thing which can bring in more money from the advert itself but it does not increase the overall number of replies.
10. Rules can be broken BUT it is a good idea to stick to rules in the main until you really know how to break them.
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They arrive in your mail - a conspicuous looking mail piece from some "official looking" bank claiming that you have been Pre-Approved for a Mastercard or VISA credit card. Of course, you don't have to have any credit. You can even have bad credit or have just filed bankruptcy or even be rated as a "slow payer." It doesn't matter because these companies want to give you a second chance! These companies want to make it easy for you to obtain a credit card because they only want your money!
How the thing works is that you must send $35 to receive an application that provides you with a name and address listing of banks willing to give you a VISA and/or Mastercard without any credit approval. That's a stiff price to pay for a sheet of paper, don't you think? The instructions that come with the application will let you know how the scheme works. You must open up a bank account with the bank once that bank approves you. Big deal! They make it appear that you have won some contest or something and people will feel "good inside" that someone has approved them.
But that's not all. The minimum amount you must deposit is $200 but you can deposit as much as you want. In return, you get a Mastercard or VISA credit card with a credit limit up to the amount you deposit. Wow! What a great honor! This is no break! Think about it. If a stranger gave you $200 to hold for him until Friday wouldn't you feel safe in granting them a $200 loan?
I mean _ it's their own money you've got. If they default, you've got the full amount to pay off the loan. It takes a twisted mind to take $200 from you, grant you $200 credit with your own money plus charge you astronomical interest rates just to take the money from your hand and give it back to you. That's insane!
Of course _ to combat this insanity, the great and wonderful banks claim to help fix your credit report. They say that if you maintain payments in acorrect fashion, this information will be reported to the credit bureau. Yea, right! When Shell calls the credit bureau to check your credit for a gas credit card, your report shows 47 defaulted loans and a bankruptcy. However, there is one company that you make payments to on-time. Big deal.
Don't you think the rest of your bad credit will still be the deciding factor in Shell's final decision. You bet you bottom dollar! Look at this: the bank makes money from the interest of your deposit. The bank also makes money by charging you 18% to 22% interest for the right to use their Mastercard or VISA. Plus the bank is guaranteed their money because if you don't pay on time, they take the money out of the bank account you opened with them along with any interest you have accumulated.
Why would anyone with $200 to deposit want a credit card with a $200 limit? If you have $200 and want to buy an item for $200 _ go out and purchase it. That way, you'll own it lock, stock and barrel. No interest, no payments, no hassle! Plus, you won't owe your soul to the company store _ sort-of-speak. Credit is a wonderful thing if you use it intelligently. I know people who
charge $100 at the beginning of the month and use that $100 to make $300.
It's free money for 30 days. Then, when the bill comes, they immediately pay the entire balance and come out smelling like a rose with $200 to the good. Credit is also needed in certain circumstances for establishing clout. You can't call in a telephone order unless you can charge the purchase to your credit card. This delays you getting items you want now. In fact _ some companies will try and make you feel "low class" if you don't own a credit card. I am proud to say that I DON'T OWN one.
When I'm in a store and they say "Would you like to put this on your charge?" I promptly say, "No, I pay for everything I buy!" They immediately shut up. And if they would snap back with a rude answer, I'd leave the stuff sitting on the counter, walk out of the store and get what I needed somewhere else. You don't have to take abuse just because you don't choose to line the pockets of the rich credit card companies! It's insane! If you've ever had a credit card and charged $200, you know you end up paying back $400 or more (unless you pay the balance within 30 days.) Stop allowing these so called banks to rip you off.
How the thing works is that you must send $35 to receive an application that provides you with a name and address listing of banks willing to give you a VISA and/or Mastercard without any credit approval. That's a stiff price to pay for a sheet of paper, don't you think? The instructions that come with the application will let you know how the scheme works. You must open up a bank account with the bank once that bank approves you. Big deal! They make it appear that you have won some contest or something and people will feel "good inside" that someone has approved them.
But that's not all. The minimum amount you must deposit is $200 but you can deposit as much as you want. In return, you get a Mastercard or VISA credit card with a credit limit up to the amount you deposit. Wow! What a great honor! This is no break! Think about it. If a stranger gave you $200 to hold for him until Friday wouldn't you feel safe in granting them a $200 loan?
I mean _ it's their own money you've got. If they default, you've got the full amount to pay off the loan. It takes a twisted mind to take $200 from you, grant you $200 credit with your own money plus charge you astronomical interest rates just to take the money from your hand and give it back to you. That's insane!
Of course _ to combat this insanity, the great and wonderful banks claim to help fix your credit report. They say that if you maintain payments in acorrect fashion, this information will be reported to the credit bureau. Yea, right! When Shell calls the credit bureau to check your credit for a gas credit card, your report shows 47 defaulted loans and a bankruptcy. However, there is one company that you make payments to on-time. Big deal.
Don't you think the rest of your bad credit will still be the deciding factor in Shell's final decision. You bet you bottom dollar! Look at this: the bank makes money from the interest of your deposit. The bank also makes money by charging you 18% to 22% interest for the right to use their Mastercard or VISA. Plus the bank is guaranteed their money because if you don't pay on time, they take the money out of the bank account you opened with them along with any interest you have accumulated.
Why would anyone with $200 to deposit want a credit card with a $200 limit? If you have $200 and want to buy an item for $200 _ go out and purchase it. That way, you'll own it lock, stock and barrel. No interest, no payments, no hassle! Plus, you won't owe your soul to the company store _ sort-of-speak. Credit is a wonderful thing if you use it intelligently. I know people who
charge $100 at the beginning of the month and use that $100 to make $300.
It's free money for 30 days. Then, when the bill comes, they immediately pay the entire balance and come out smelling like a rose with $200 to the good. Credit is also needed in certain circumstances for establishing clout. You can't call in a telephone order unless you can charge the purchase to your credit card. This delays you getting items you want now. In fact _ some companies will try and make you feel "low class" if you don't own a credit card. I am proud to say that I DON'T OWN one.
When I'm in a store and they say "Would you like to put this on your charge?" I promptly say, "No, I pay for everything I buy!" They immediately shut up. And if they would snap back with a rude answer, I'd leave the stuff sitting on the counter, walk out of the store and get what I needed somewhere else. You don't have to take abuse just because you don't choose to line the pockets of the rich credit card companies! It's insane! If you've ever had a credit card and charged $200, you know you end up paying back $400 or more (unless you pay the balance within 30 days.) Stop allowing these so called banks to rip you off.
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The average income for owners of this kind of business in California is $65,000 a year. Best of all, here's a business that you can start with an absolute minimum investment. Practically anyone who lives in a city anywhere in the country can expect to do just about as well, and with a bit of imagination, mixed with some business "moxie", you should be able to do even better!
Income and market potentials for a service such as this are truly fantastic! Rent increases that have far outpaced wage increase have brought about a tremendous need for a method to alleviate the cost of housing. Also, many apartment complexes are being converted into expensive condominiums. These two factors have created a problem of gigantic proportions for millions of people who are concerned about keeping a roof over their heads.
You can make big money solving the problem with your own Roommate Finding Service. We're going to tell you how. Many of the nation's leading economists are predicting this kind of living arrangement to be the "money-saving answer" for apartment dwellers for the rest of this century. Others are predicting the roommate finding service to become as popular as the employment agency by 1990.
This is an ideal absentee owner business. Most of those operating on the West Coast have a woman doing the managing - sometimes as just the manager, and some times as the owner - manager. This apparently has something to do with the nature of the business, and how most people seem to naturally trust a woman to find the right roommate for them. As to the fee structure, I suggest something similar to the successful employment agencies. Charge everyone a $25 registration fee to start the ball rolling toward finding them a suitable roommate. You take a Polaroid snapshot of each registrant, have them fill out an appropriate application card which will indicate the kind of roommate they'd be happy with, and start searching through your files for people with similar likes and dislikes.
To get started, you'll want a bank reference; a legal reference, a telephone; a business name, letterhead paper, envelopes and business bards; and office supplies such as a 3 x 5 index cards; typewriter; file cabinet; and a printed questionnaire-application form. You'll also need a responsibility disclaimer, which can be combined with the applicant's agreement- to-pay contract. Once you've found a roommate for your prospective client, you should have it spelled out in your agreement that each of the "matched room mates" will pay you 15% to 20% of the first month's rent. You could charge a bit extra for particular requirements, and perhaps somewhat less for older persons, or for persons with handicaps.
The approval or disapproval is left up in the parties involved. You simply look through your registration card file, pull out five or six apparently suitable roommates, call each of them on the phone and arrange separate meetings for them with your client. Your client reports back to you, and tells you of his or her decision, and you call the person chosen and finalize the deal.
Good advertising will play a most important part in getting this business off the ground. Make up a good circular or "flyer" detaining your roommate finding services, and listing your phone number. Get these flyers on as many bulletin boards in your area as possible. Get them in grocery stores, barber shops, community colleges, beauty salons, bowling alleys; the list of places to "billboard" your flyers is endless. Another idea is to set up "take-one" boxes in as many retail places of business as you can. Don't overlook the value of placing your flyers on car windshields - particularly around apartment complexes, and in the parking lots of the colleges in your area. You might even pay the downtown
parking lot attendants to slip one under the windshield wiper of each car he parks on Monday. If you do a good job with the make-up of your flyer, and use your imagination in getting them into the hands of your prospective clients, you'll have no trouble moving your new business into the black quickly. Even so, you'll need to run regular ads in your area newspapers. The best headings to run your ads under is the Personals Column. Your ad might read:
Need A Roommate? We'll find the ideal roommate for you! Everything handled on a strictly confidential basis. For details, call Jan, Mary, or Carol. Within only a couple of months, you should be well enough established, and with an income large enough to afford an office location. When you establish your office, do some publicizing of your business with press releases to all the media in your area, and plan some fanfare that will bring attention to your services. Tacking up on your office walls the enthusiastic testimonials of people you've matched with roommates is a very good idea. Later on, you might want to input all your client information on computer, and take video pictures of each client for showing to prospective roommates. In the final analysis, once you have your business underway, your further success will be limited only by your imagination.
Income and market potentials for a service such as this are truly fantastic! Rent increases that have far outpaced wage increase have brought about a tremendous need for a method to alleviate the cost of housing. Also, many apartment complexes are being converted into expensive condominiums. These two factors have created a problem of gigantic proportions for millions of people who are concerned about keeping a roof over their heads.
You can make big money solving the problem with your own Roommate Finding Service. We're going to tell you how. Many of the nation's leading economists are predicting this kind of living arrangement to be the "money-saving answer" for apartment dwellers for the rest of this century. Others are predicting the roommate finding service to become as popular as the employment agency by 1990.
This is an ideal absentee owner business. Most of those operating on the West Coast have a woman doing the managing - sometimes as just the manager, and some times as the owner - manager. This apparently has something to do with the nature of the business, and how most people seem to naturally trust a woman to find the right roommate for them. As to the fee structure, I suggest something similar to the successful employment agencies. Charge everyone a $25 registration fee to start the ball rolling toward finding them a suitable roommate. You take a Polaroid snapshot of each registrant, have them fill out an appropriate application card which will indicate the kind of roommate they'd be happy with, and start searching through your files for people with similar likes and dislikes.
To get started, you'll want a bank reference; a legal reference, a telephone; a business name, letterhead paper, envelopes and business bards; and office supplies such as a 3 x 5 index cards; typewriter; file cabinet; and a printed questionnaire-application form. You'll also need a responsibility disclaimer, which can be combined with the applicant's agreement- to-pay contract. Once you've found a roommate for your prospective client, you should have it spelled out in your agreement that each of the "matched room mates" will pay you 15% to 20% of the first month's rent. You could charge a bit extra for particular requirements, and perhaps somewhat less for older persons, or for persons with handicaps.
The approval or disapproval is left up in the parties involved. You simply look through your registration card file, pull out five or six apparently suitable roommates, call each of them on the phone and arrange separate meetings for them with your client. Your client reports back to you, and tells you of his or her decision, and you call the person chosen and finalize the deal.
Good advertising will play a most important part in getting this business off the ground. Make up a good circular or "flyer" detaining your roommate finding services, and listing your phone number. Get these flyers on as many bulletin boards in your area as possible. Get them in grocery stores, barber shops, community colleges, beauty salons, bowling alleys; the list of places to "billboard" your flyers is endless. Another idea is to set up "take-one" boxes in as many retail places of business as you can. Don't overlook the value of placing your flyers on car windshields - particularly around apartment complexes, and in the parking lots of the colleges in your area. You might even pay the downtown
parking lot attendants to slip one under the windshield wiper of each car he parks on Monday. If you do a good job with the make-up of your flyer, and use your imagination in getting them into the hands of your prospective clients, you'll have no trouble moving your new business into the black quickly. Even so, you'll need to run regular ads in your area newspapers. The best headings to run your ads under is the Personals Column. Your ad might read:
Need A Roommate? We'll find the ideal roommate for you! Everything handled on a strictly confidential basis. For details, call Jan, Mary, or Carol. Within only a couple of months, you should be well enough established, and with an income large enough to afford an office location. When you establish your office, do some publicizing of your business with press releases to all the media in your area, and plan some fanfare that will bring attention to your services. Tacking up on your office walls the enthusiastic testimonials of people you've matched with roommates is a very good idea. Later on, you might want to input all your client information on computer, and take video pictures of each client for showing to prospective roommates. In the final analysis, once you have your business underway, your further success will be limited only by your imagination.
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HOW "INFO-LOADING" CAN INCREASE YOUR AD'S PULLING POWER
There are many schools of thought on how to write a successful direct-response ad, letter or brochure. Some say you need to be subtle, some say be harsh, some say be round-about, some say be direct. There is one technique, though, that is coming to the forefront as one of the most successful to employ.
Info-Loading is the style of overloading an advertsement with information about your product or service. The theory is, you give the customer more information than they'd ever want on your product/service, and they'll feel more confident about you and what you offer. Also, the customer that actually reads through it all is the one who's interested enough to buy what you offer. The good news is, it works!
Here's how to do it. Say you're planning a quarter-page display ad in a magazine. Instead of leaving a lot of white space, so it looks open, and instead of putting pictures in to catch the eye, fill the whole space with text! Load it with as much information as you can fit in, without making it unreadable. To prevent it from looking like a grey blur when the reader's eyes scan through the page, put a bold, black box around the ad, a bold headline, and emphasize important words and phrases with bold print.
You can do the same thing with a mailing. Put together a four-page sales letter loaded with copy, then add a brochure/flyer that re-emphasizes the important points in even greater detail. A few cautions with this technique. First, make sure you actually have something to say! We are so conditioned to being economical with our words in advertising that it'll be hard to info-load without feeling repetitious. Instead of rambling on about features, tell customers every single benefit they'll get from your product/service. BENEFIT is the important word.
Give Info-Loading a try. Depending on your audience and what you're trying to sell, you may find that info-loading can load more sales into your bank account!
There are many schools of thought on how to write a successful direct-response ad, letter or brochure. Some say you need to be subtle, some say be harsh, some say be round-about, some say be direct. There is one technique, though, that is coming to the forefront as one of the most successful to employ.
Info-Loading is the style of overloading an advertsement with information about your product or service. The theory is, you give the customer more information than they'd ever want on your product/service, and they'll feel more confident about you and what you offer. Also, the customer that actually reads through it all is the one who's interested enough to buy what you offer. The good news is, it works!
Here's how to do it. Say you're planning a quarter-page display ad in a magazine. Instead of leaving a lot of white space, so it looks open, and instead of putting pictures in to catch the eye, fill the whole space with text! Load it with as much information as you can fit in, without making it unreadable. To prevent it from looking like a grey blur when the reader's eyes scan through the page, put a bold, black box around the ad, a bold headline, and emphasize important words and phrases with bold print.
You can do the same thing with a mailing. Put together a four-page sales letter loaded with copy, then add a brochure/flyer that re-emphasizes the important points in even greater detail. A few cautions with this technique. First, make sure you actually have something to say! We are so conditioned to being economical with our words in advertising that it'll be hard to info-load without feeling repetitious. Instead of rambling on about features, tell customers every single benefit they'll get from your product/service. BENEFIT is the important word.
Give Info-Loading a try. Depending on your audience and what you're trying to sell, you may find that info-loading can load more sales into your bank account!
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Pre-approved cards are the result of one bank who now has you as a customer, and sells your name to another bank or a series of banks so they can offer you their credit cards. Here's how it usually works:
Many smaller banks want to be credit card issuers but, because of limited facilities for credit card processing, it is sometimes difficult for a smaller bank to cash in on the credit card boom. What's been developed is an interconnect system where large banks will process credit card applications and issue the credit cards for the little banks.
For example, let's say that Mini Savings & Loan wants to get in on the Plastic Pursuit. However, Mini does not have the facility or the staff to process credit card applications and issue credit cards. What Mini has to do is contract the service with Maxi Bank. Since Maxi has several banks that they provide this service to, Mini Savings & Loan is just a welcome addition to their roster of client banks for whom they process and issue credit cards.
When you apply for a credit card at Mini Savings & Loan, your application is actually forwarded to Maxim Bank who runs a credit check and, granting you have good credit, issues you your choice of VISA or MasterCard with Mini Savings & Loan's name on it. However, since Maxi is the issuing bank and since it has your credit on their file, they can very well send you an application for their own credit card. They can also sell your name to their other client-banks who can offer you their credit cards on a pre-approved basis.
Another source that sells your name is the credit bureau. Because they can program their computers to search for names of existing credit card holders with clean and healthy files, they can provide issuing banks with a premium mailing list of people to whom the banks can send pre-approved credit card applications.
Many smaller banks want to be credit card issuers but, because of limited facilities for credit card processing, it is sometimes difficult for a smaller bank to cash in on the credit card boom. What's been developed is an interconnect system where large banks will process credit card applications and issue the credit cards for the little banks.
For example, let's say that Mini Savings & Loan wants to get in on the Plastic Pursuit. However, Mini does not have the facility or the staff to process credit card applications and issue credit cards. What Mini has to do is contract the service with Maxi Bank. Since Maxi has several banks that they provide this service to, Mini Savings & Loan is just a welcome addition to their roster of client banks for whom they process and issue credit cards.
When you apply for a credit card at Mini Savings & Loan, your application is actually forwarded to Maxim Bank who runs a credit check and, granting you have good credit, issues you your choice of VISA or MasterCard with Mini Savings & Loan's name on it. However, since Maxi is the issuing bank and since it has your credit on their file, they can very well send you an application for their own credit card. They can also sell your name to their other client-banks who can offer you their credit cards on a pre-approved basis.
Another source that sells your name is the credit bureau. Because they can program their computers to search for names of existing credit card holders with clean and healthy files, they can provide issuing banks with a premium mailing list of people to whom the banks can send pre-approved credit card applications.
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The term "Reloctation Consultant" is an all-encompassing business that involves everything that has to do with transferring people. The task of a relocation consultant may include any or all of the following activities and services that generally come with moving to a new location:
+ Select a moving company.
+ Selling the old house .
+ Finding and buying a new home or renting a new apartment.
+ Suggesting schools, churches, etc.
+ Spouse job placement counseling
Of course you choose which services you want to include in your repertoire. However, on a joint-effort with other professionals in your area, you can really offer an extensive menu of services, Relocation consultants do not own moving companies, They hire moving companies for and on behalf of the client. As a relocation consultant, you also deal with real estate agents, travel agencies, and career consultants. You control the middle ground where all these services merge to fulfill the needs of your client.
SHELTER IS #1
The most important issue in any relocation is where your client will reside in their new city or state. Some clients buy a home in the new city before they move. Others prefer to rent, giving themselves enough time to become familiar with the area before buying a house, Most relocation consultants receive their commission from the real estate agent. However, if your client wants to rent, as opposed to immediately buying a home, the company relocating your client will more than likely pick up the tab, usually equal to one month's rent. Some rental properties, however, will pay a relocation consultant a commission equal to one month's rent.
CORPORATE FIELD
You can do a real volume business by targeting large corporate accounts. Companies in high-technology related products and services are the growth markets in relocation. Contracts for technical top-guns range 3 to 5 years, so you can expect excellent turn over in the high-tech industry. Concentrating on a specific
industry gives you credibility and lots of referrals.
+ Select a moving company.
+ Selling the old house .
+ Finding and buying a new home or renting a new apartment.
+ Suggesting schools, churches, etc.
+ Spouse job placement counseling
Of course you choose which services you want to include in your repertoire. However, on a joint-effort with other professionals in your area, you can really offer an extensive menu of services, Relocation consultants do not own moving companies, They hire moving companies for and on behalf of the client. As a relocation consultant, you also deal with real estate agents, travel agencies, and career consultants. You control the middle ground where all these services merge to fulfill the needs of your client.
SHELTER IS #1
The most important issue in any relocation is where your client will reside in their new city or state. Some clients buy a home in the new city before they move. Others prefer to rent, giving themselves enough time to become familiar with the area before buying a house, Most relocation consultants receive their commission from the real estate agent. However, if your client wants to rent, as opposed to immediately buying a home, the company relocating your client will more than likely pick up the tab, usually equal to one month's rent. Some rental properties, however, will pay a relocation consultant a commission equal to one month's rent.
CORPORATE FIELD
You can do a real volume business by targeting large corporate accounts. Companies in high-technology related products and services are the growth markets in relocation. Contracts for technical top-guns range 3 to 5 years, so you can expect excellent turn over in the high-tech industry. Concentrating on a specific
industry gives you credibility and lots of referrals.
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...and Earn $100,000 a Year, Collect Large Fees Helping Others....and Borrow All The Money You Need Becoming a Money Broker is one of the easiest and most rewarding endeavors available. Virtually anyone can become a Money Broker with the smallest investment. You can start this business on a part-time basis, and earn large "Finders Fees," or open your own office and work fulltime with absolutely unlimited income potential.
Until very recently, the "secrets of money brokering" were closely guarded and known only to a few select bankers, investment corporations, and business consultants. No other business offers the potential income figure for so little investment! As an example, starting with less than $100, some money brokers have made $100,000 their first year in their business! This is the ideal way for a man or woman to supplement his or her present income, or change professions after a period of time. It is an absolute "dream-come-true" for the
semi-retired, or retired office worker.
There is hardly another business requiring less than $100 in start-up cost that can put you in a six-figure income bracket so quickly. None of them give you the power, prestige, or status---respectability in your community---equal to that of the Money Broker. To get started, you'll need stationary, envelopes, and business cards with your own letterhead. When ordering, be sure to include your phone number. Also have copies made of your Fee Agreement. We have presented a typical Fee Agreement form (which you may duplicate after eradicating the instructions we have given in blanks) As we started, the investment in this business is small; when you have your stationary, envelopes, cards and the Finder's Fee Agreement in hand, you have spent part of it. The other part will be discussed now, because you have to "find" both borrower and
lender to really get underway.
Once you have your "working paper," you will run some advertisements in your local paper under the headings "money to Loan," or "Business Opportunities." Typical ads might read:
MONEY AVAILABLE FOR BILL CONSOLIDATION, HOME REPAIR, BUSINESS EXPANSION, ANY WORTHWHILE PROJECT CALL JOHN 423-8821
(This ad would be used to "pull" BORROWERS)
BUSINESSMAN NEEDS CAPITAL FOR EXPANSION. EXCELLENT COLLATERAL AND REFERENCES. CALL JOHN JOHNSON AFTER 4:00 PM 423-8821
(This one would be to attract LENDERS)
In response to the calls or letters from prospective clients, you will have to be prepared (really BE prepared by practicing) with the proper answers and sales pitch--(to the prospective borrower): "Yes, this is John Johnson. Thank you for calling. First I will explain how we operate. I'm a money broker, Mr. (USE HIS NAME!)____. I bring you, the borrower, and the lender, together. I have different money sources available---banks, insurance companies, private investment groups of doctors, dentists, lawyers, and other professional people. My sources are in business to make money by lending out money. Let's see-- I need to determine your needs and the purpose of the loan in order to properly prepare the necessary financial papers for your loan request as many as ten different lending groups in order to get the loan for you. Once I have an approval on your loan request, I'm paid anywhere from 2% to 10% of the total loan figure...important for you to remember, though, is that I don't get paid less I GET the loan for you. I do, however charge a $100 non-refundable Application Fee to cover my expenses in preparing your request for loan papers and presenting this portfolio to the lenders. In a nutshell, that's how these types of loans are negotiated. Now then, how much will you need?
(Note that five successful registrations per will bring you $500 each week.)
This is where you begin to acquire the information you are going to need to proceed--the amount of money needed---purpose of the loan---terms the borrower wants for repayment--and a profile of his background--education, employment record, date of birth, Social Security number, marital status, general health, and number of dependents. Next you type this information onto the proper forms, assembling all into a portfolio and presenting it with a cover letter to at least five different lenders for their consideration. When the loan is granted, you collect your Brokers Fee--a pre-determined percentage of the total loan figure.
(TYPICAL FEE AGREEMENT FORM) YOUR NAME AND ADDRESS AGREEMENT FOR FINANCIAL SERVICE)
The undersigned, Borrower's name, hereby appoints YOUR NAME, as his Agent and authorizes him to submit to lenders data information supplied by the borrower, for the purpose of the lender making a loan or investment direct to the undersigned. The undersigned aggress to pay to YOUR NAME, a fee of ___% of the amount of the loan or investment obtained. The undersigned hereby pays to YOUR NAME, $____ as a non-refundable fee for the time involved to appraise the feasibility of loan requested; this fee
is separate from any other fess due, if the loan is obtained.
___________________ _______________________
Date Borrower
Until very recently, the "secrets of money brokering" were closely guarded and known only to a few select bankers, investment corporations, and business consultants. No other business offers the potential income figure for so little investment! As an example, starting with less than $100, some money brokers have made $100,000 their first year in their business! This is the ideal way for a man or woman to supplement his or her present income, or change professions after a period of time. It is an absolute "dream-come-true" for the
semi-retired, or retired office worker.
There is hardly another business requiring less than $100 in start-up cost that can put you in a six-figure income bracket so quickly. None of them give you the power, prestige, or status---respectability in your community---equal to that of the Money Broker. To get started, you'll need stationary, envelopes, and business cards with your own letterhead. When ordering, be sure to include your phone number. Also have copies made of your Fee Agreement. We have presented a typical Fee Agreement form (which you may duplicate after eradicating the instructions we have given in blanks) As we started, the investment in this business is small; when you have your stationary, envelopes, cards and the Finder's Fee Agreement in hand, you have spent part of it. The other part will be discussed now, because you have to "find" both borrower and
lender to really get underway.
Once you have your "working paper," you will run some advertisements in your local paper under the headings "money to Loan," or "Business Opportunities." Typical ads might read:
MONEY AVAILABLE FOR BILL CONSOLIDATION, HOME REPAIR, BUSINESS EXPANSION, ANY WORTHWHILE PROJECT CALL JOHN 423-8821
(This ad would be used to "pull" BORROWERS)
BUSINESSMAN NEEDS CAPITAL FOR EXPANSION. EXCELLENT COLLATERAL AND REFERENCES. CALL JOHN JOHNSON AFTER 4:00 PM 423-8821
(This one would be to attract LENDERS)
In response to the calls or letters from prospective clients, you will have to be prepared (really BE prepared by practicing) with the proper answers and sales pitch--(to the prospective borrower): "Yes, this is John Johnson. Thank you for calling. First I will explain how we operate. I'm a money broker, Mr. (USE HIS NAME!)____. I bring you, the borrower, and the lender, together. I have different money sources available---banks, insurance companies, private investment groups of doctors, dentists, lawyers, and other professional people. My sources are in business to make money by lending out money. Let's see-- I need to determine your needs and the purpose of the loan in order to properly prepare the necessary financial papers for your loan request as many as ten different lending groups in order to get the loan for you. Once I have an approval on your loan request, I'm paid anywhere from 2% to 10% of the total loan figure...important for you to remember, though, is that I don't get paid less I GET the loan for you. I do, however charge a $100 non-refundable Application Fee to cover my expenses in preparing your request for loan papers and presenting this portfolio to the lenders. In a nutshell, that's how these types of loans are negotiated. Now then, how much will you need?
(Note that five successful registrations per will bring you $500 each week.)
This is where you begin to acquire the information you are going to need to proceed--the amount of money needed---purpose of the loan---terms the borrower wants for repayment--and a profile of his background--education, employment record, date of birth, Social Security number, marital status, general health, and number of dependents. Next you type this information onto the proper forms, assembling all into a portfolio and presenting it with a cover letter to at least five different lenders for their consideration. When the loan is granted, you collect your Brokers Fee--a pre-determined percentage of the total loan figure.
(TYPICAL FEE AGREEMENT FORM) YOUR NAME AND ADDRESS AGREEMENT FOR FINANCIAL SERVICE)
The undersigned, Borrower's name, hereby appoints YOUR NAME, as his Agent and authorizes him to submit to lenders data information supplied by the borrower, for the purpose of the lender making a loan or investment direct to the undersigned. The undersigned aggress to pay to YOUR NAME, a fee of ___% of the amount of the loan or investment obtained. The undersigned hereby pays to YOUR NAME, $____ as a non-refundable fee for the time involved to appraise the feasibility of loan requested; this fee
is separate from any other fess due, if the loan is obtained.
___________________ _______________________
Date Borrower
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Always give customers encouragement to order early. Potential customers will often intend to buy and then put it aside to send off later. Of course, they forget all about it. If you give the sort of inducement like 'Reply within 10 days and buy for Ј2 less' or 'Order within 10 days and get an extra report for free', people who like your advert are liable to send off immediately instead of waiting. So you have given a double incentive to buy.
1. They will get it cheaper or get something extra.
2. They won't put off ordering because they don't want to miss out on the extras.
Keep improving your advertisments and brochures even when they are doing well.
A slight change, just a few words can mean all the difference of just one extra reply. That extra reply can be the deciding factor between gain and loss. Always put a sales letter with your brochure, it makes all the difference. I prefer to make it a hand written letter. I find that even a copied hand written letter is read where a typed or printed letter is ignored.
Write and design your own brochures, leaflets and flyers. You won't get such good results if you keep sending out brochures that potential customers have seen a dozen times before. Make your's different so that people get a fresh look at it. Keep re-writing and designing it until it really sells. Vary the offers in your package to get the right combination and the right amount. Keep records of what you send so that you can find the best combination. Add a 'leader' to your brochures. A 'leader' is a piece of paper (usually coloured) that is stapled or stuck on the top left hand corner. It makes an attractive comment about the article being sold.
Fill in the order form for the customer.People are basically lazy. Filling the form in will get half the work done for them. Alternatively, design the order form so all they have to do is enter their name and date. An addressed envelope also helps - a pre-paid one even more so, BUT only if the response ratio justifies the cost. Get other people to advertise for you. Use 50% commission brochures but offer fifty more for every sale. You can buy postage stamps legally at a discount. Most Stamp Dealers have been checked by the Police recently so any stamps that they may wish to sell are unlikely to be illegal. You can also buy envelopes ready stamped which also saves money on envelopes. Get commission brochures that are only printed on one side and have your advertisment printed on the back. Saves on the cost of paper.
1. They will get it cheaper or get something extra.
2. They won't put off ordering because they don't want to miss out on the extras.
Keep improving your advertisments and brochures even when they are doing well.
A slight change, just a few words can mean all the difference of just one extra reply. That extra reply can be the deciding factor between gain and loss. Always put a sales letter with your brochure, it makes all the difference. I prefer to make it a hand written letter. I find that even a copied hand written letter is read where a typed or printed letter is ignored.
Write and design your own brochures, leaflets and flyers. You won't get such good results if you keep sending out brochures that potential customers have seen a dozen times before. Make your's different so that people get a fresh look at it. Keep re-writing and designing it until it really sells. Vary the offers in your package to get the right combination and the right amount. Keep records of what you send so that you can find the best combination. Add a 'leader' to your brochures. A 'leader' is a piece of paper (usually coloured) that is stapled or stuck on the top left hand corner. It makes an attractive comment about the article being sold.
Fill in the order form for the customer.People are basically lazy. Filling the form in will get half the work done for them. Alternatively, design the order form so all they have to do is enter their name and date. An addressed envelope also helps - a pre-paid one even more so, BUT only if the response ratio justifies the cost. Get other people to advertise for you. Use 50% commission brochures but offer fifty more for every sale. You can buy postage stamps legally at a discount. Most Stamp Dealers have been checked by the Police recently so any stamps that they may wish to sell are unlikely to be illegal. You can also buy envelopes ready stamped which also saves money on envelopes. Get commission brochures that are only printed on one side and have your advertisment printed on the back. Saves on the cost of paper.
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A New Form Of Networking
Seventy percent of Americans belong to one association. Twenty five percent belong to four or more associations. Our professional existence is held together by the network of people with whom we share common interests, even common goals. As technology gives us new ways to link up, communicate and share ideas, our need to identify with a collective presence reflects our need to become more significant. Today, this need is being fulfilled by privately organized, managed and funded trade associations.
FOR-PROFIT
If there ise anything that drives any venture to succeed, the principal motivation is profit - the commercial purpose for which any trade activity exists. Because we still maintain a mindset that associations should not be a money-making venture, it is difficult to imagine a trade association as a for-profit representative body of a particular trade. However, as the efficiency, agility and productiveness of for-profit trade associations become evident, members become more confident that operating a for-profit trade assaociation is the only way to guarantee that the association will remain productive and beneficial to its members.
OBJECTIVES
Unless your primary reason for creating a trade association is to lobby issues in Washington, your association's principal objective should more or less focus on information sharing. If you are creating a trade association as a forum for its memgbers to share ideas about their trade, it is essential that you provide your members this vehicle by which they can communicate, maybe even interact.
BEYOND MEMBERSHIP
Since most associations get started with low membership dues, usually in the $20 to $30 bracket. Many associations are lucky to break even on membership dues alone. To guarantee its healthy existence, its financial foundations should expand beyond being exclusively dependent on membership dues.
Although most trade associations start off with a newsletter, it is in an edeal position to organize conventions (that provide members a forum to network, meet suppliers, and hear experts) which can be a prime money-maker for the association.
Seventy percent of Americans belong to one association. Twenty five percent belong to four or more associations. Our professional existence is held together by the network of people with whom we share common interests, even common goals. As technology gives us new ways to link up, communicate and share ideas, our need to identify with a collective presence reflects our need to become more significant. Today, this need is being fulfilled by privately organized, managed and funded trade associations.
FOR-PROFIT
If there ise anything that drives any venture to succeed, the principal motivation is profit - the commercial purpose for which any trade activity exists. Because we still maintain a mindset that associations should not be a money-making venture, it is difficult to imagine a trade association as a for-profit representative body of a particular trade. However, as the efficiency, agility and productiveness of for-profit trade associations become evident, members become more confident that operating a for-profit trade assaociation is the only way to guarantee that the association will remain productive and beneficial to its members.
OBJECTIVES
Unless your primary reason for creating a trade association is to lobby issues in Washington, your association's principal objective should more or less focus on information sharing. If you are creating a trade association as a forum for its memgbers to share ideas about their trade, it is essential that you provide your members this vehicle by which they can communicate, maybe even interact.
BEYOND MEMBERSHIP
Since most associations get started with low membership dues, usually in the $20 to $30 bracket. Many associations are lucky to break even on membership dues alone. To guarantee its healthy existence, its financial foundations should expand beyond being exclusively dependent on membership dues.
Although most trade associations start off with a newsletter, it is in an edeal position to organize conventions (that provide members a forum to network, meet suppliers, and hear experts) which can be a prime money-maker for the association.
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do you really need them?
To many people, corporations are essential tools in making money, discharging liabilities or owning assets globally; often in deep secracy. A corporation or trust is what lawyers call a "legal entity". Whereas a company does not eat, sleep or go to the movies, it may own just about anything you care to mention: bank accounts, stocks, bonds, investments, cars, boats, and even areoplanes. So may a trust (foundation).
The distinction between a "corporation" and a mere "company" is that the former is, by its very defination, a seperate legal entity as opposed to an unincorporated, personally-owned company. A corporation may go bankrupt and leave creditors, including tax men, holding the short end of the stick. An unincorporated company will be inextricably linked to its owner(s). If an unincorporated company defaults on a dent or a payment, creditors may immediately turn to the owner and demand payment from him, which is a pretty good reason why you should never operate any business accept from behind the protection of a corporation. That way, you areonly liable for a loss up to whatever capital you have invested in the business, but no claim can be made against you personally in the event that the corporation folds or closes with a negative net worth.
Unless, of course, fraufulent conduct by the owner(s) or manager(s) can be proved. Only rarely are owners or managers held personally liable for losses stemming from fraud or gross misconduct, which you should take to read as - only in cases where criminal misconduct (or outright fraud) can be proved. Proving such claims may take years.
This is the major reason why dejected creditors usually take their licks and abstain from pursuing the matter further. Shares in a corporation have to be owned by someone - or something. Usually, shares are held either by ordinary shareholders, by one or more other companies, institutions or trusts. But a corporation cannot own itself. Someone has to own the shares, which also means that someone may be taxed on the wealth represented by the value of the shares, or the dividends or even on the capital gains realizes when the shares are ultimately sold (or the corporation is successfully liquidated).
Enter trusts - or foundations, as they are sometimes called. As opposed to a company or corporation, no one can own a trust. By definition, a trust is not only a seperate, legal entity, but also "owns itself". No physical or
legal person may "own" even the tiniest little share of the trust. And that, exactly, is why trusts are so phenomenal in their potential uses. Let us say, for instance, that you live in a high-tax country with very strict tax laws. Every year, you have to file an income tax return. On this paper you will usually be obliged to make a
full disclosure of all bank accounts, shares, and other assets that you own - inder threat of
severe penalties, including jail, for non-disclosure.
The solution to this is not to keep your assets in other countries, most high-tax countries tax their citizens on their global income and , accordingly, require that all assets (even non-taxable) be disclosed, regardless of where they happen to be. Even if you own, say, aloss-making company in another country,or a non-interest bearing bank account (well, they do exist) somewhere you will be legally obliged to disclose this fact on your income tax return.
Some countries, including the U.S., even demand that citizens disclose the benificial ownership of shares, etc., to guard against such assets being legally kept a secret by having them officially registered as belonging to someone else - like an attorney, for instance. The management of a trust can be two-tiered. On the top of the pile is the Protector, it is up to that person to make sure that the trust's charter is adhered to and that the rules laid down for the dispensing of the trust's assets are followed. The role of the protector is purely that of a supervisor with veto power over the trustees and power to fire them in his sole discretion. The day to day affairs of the trust are handled, not by corporate officers but by co-called trustees. The Trustee will make all the decisions concerning the investments and disbursements of funds made by the trust. If the trust wishes to open a bank account, or buy a yacht (in keeping with the trust's charter, of course) then it will be the board of trustees which has to arrive at this decision and sign the papers.
But, as you will already have guessed, the trustees may decide to sign a power of attorney to someone else who can then, in effect, do whatever he or she wishes on behalf of the trust, at his sole discretion - without having to ask permission. Now, if you own the assets that you either do not wish to disclose or wish to guard against future seizure, confiscation or nationalisation by your home government, you may give your tactics a
"veneer of legality" bt conducting your financial affairs through the use of trust and one or more corporations.
To many people, corporations are essential tools in making money, discharging liabilities or owning assets globally; often in deep secracy. A corporation or trust is what lawyers call a "legal entity". Whereas a company does not eat, sleep or go to the movies, it may own just about anything you care to mention: bank accounts, stocks, bonds, investments, cars, boats, and even areoplanes. So may a trust (foundation).
The distinction between a "corporation" and a mere "company" is that the former is, by its very defination, a seperate legal entity as opposed to an unincorporated, personally-owned company. A corporation may go bankrupt and leave creditors, including tax men, holding the short end of the stick. An unincorporated company will be inextricably linked to its owner(s). If an unincorporated company defaults on a dent or a payment, creditors may immediately turn to the owner and demand payment from him, which is a pretty good reason why you should never operate any business accept from behind the protection of a corporation. That way, you areonly liable for a loss up to whatever capital you have invested in the business, but no claim can be made against you personally in the event that the corporation folds or closes with a negative net worth.
Unless, of course, fraufulent conduct by the owner(s) or manager(s) can be proved. Only rarely are owners or managers held personally liable for losses stemming from fraud or gross misconduct, which you should take to read as - only in cases where criminal misconduct (or outright fraud) can be proved. Proving such claims may take years.
This is the major reason why dejected creditors usually take their licks and abstain from pursuing the matter further. Shares in a corporation have to be owned by someone - or something. Usually, shares are held either by ordinary shareholders, by one or more other companies, institutions or trusts. But a corporation cannot own itself. Someone has to own the shares, which also means that someone may be taxed on the wealth represented by the value of the shares, or the dividends or even on the capital gains realizes when the shares are ultimately sold (or the corporation is successfully liquidated).
Enter trusts - or foundations, as they are sometimes called. As opposed to a company or corporation, no one can own a trust. By definition, a trust is not only a seperate, legal entity, but also "owns itself". No physical or
legal person may "own" even the tiniest little share of the trust. And that, exactly, is why trusts are so phenomenal in their potential uses. Let us say, for instance, that you live in a high-tax country with very strict tax laws. Every year, you have to file an income tax return. On this paper you will usually be obliged to make a
full disclosure of all bank accounts, shares, and other assets that you own - inder threat of
severe penalties, including jail, for non-disclosure.
The solution to this is not to keep your assets in other countries, most high-tax countries tax their citizens on their global income and , accordingly, require that all assets (even non-taxable) be disclosed, regardless of where they happen to be. Even if you own, say, aloss-making company in another country,or a non-interest bearing bank account (well, they do exist) somewhere you will be legally obliged to disclose this fact on your income tax return.
Some countries, including the U.S., even demand that citizens disclose the benificial ownership of shares, etc., to guard against such assets being legally kept a secret by having them officially registered as belonging to someone else - like an attorney, for instance. The management of a trust can be two-tiered. On the top of the pile is the Protector, it is up to that person to make sure that the trust's charter is adhered to and that the rules laid down for the dispensing of the trust's assets are followed. The role of the protector is purely that of a supervisor with veto power over the trustees and power to fire them in his sole discretion. The day to day affairs of the trust are handled, not by corporate officers but by co-called trustees. The Trustee will make all the decisions concerning the investments and disbursements of funds made by the trust. If the trust wishes to open a bank account, or buy a yacht (in keeping with the trust's charter, of course) then it will be the board of trustees which has to arrive at this decision and sign the papers.
But, as you will already have guessed, the trustees may decide to sign a power of attorney to someone else who can then, in effect, do whatever he or she wishes on behalf of the trust, at his sole discretion - without having to ask permission. Now, if you own the assets that you either do not wish to disclose or wish to guard against future seizure, confiscation or nationalisation by your home government, you may give your tactics a
"veneer of legality" bt conducting your financial affairs through the use of trust and one or more corporations.
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Any business' best resource is the customer who's already done business with them. This customer will be the one who provides return business, and refers new business. How can you insure that you get those referrals, though? As anyone knows, people will be more inclined to pass on information about bad experiences than good experiences. So, you have to give them an incentive.
The best way to do this is to run a REFERRAL CONTEST.
Give each one of your customers a supply of cards they can give out to their friends. A good idea is to use your business card, and get a rubber stamp designed to stamp this message on the back: "Send a friend! You will get a one coupon good for a XX% discount for each new customer who brings this card in! Good through XX-XX-XX. Add the new customer's name.
Insert the discount you want to give the person making the referral, and the expiration date. Two good ideas are to either offer a prize to the person who sends in the most referrals, or put all the cards that are brought in into a box and hold a drawing at the end of the promotion, with both the person making the referral and the new customer getting a prize. It's important that you publicize this contest. A contest is no good if nobody knows about it. So, put a big sign about it in your store. Put an ad in the free weekly paper in your area and in any freebie advertiser tabloids. Print up some flyers and put them up in places where people will see them.
Referral contests work especially well for service businesses, like hair salons, auto mechanics & body shops, dry cleaners, video stores, caterers & photographers. Any business that relies on expanding it's clientele can
successfully grow from a referral contest
The best way to do this is to run a REFERRAL CONTEST.
Give each one of your customers a supply of cards they can give out to their friends. A good idea is to use your business card, and get a rubber stamp designed to stamp this message on the back: "Send a friend! You will get a one coupon good for a XX% discount for each new customer who brings this card in! Good through XX-XX-XX. Add the new customer's name.
Insert the discount you want to give the person making the referral, and the expiration date. Two good ideas are to either offer a prize to the person who sends in the most referrals, or put all the cards that are brought in into a box and hold a drawing at the end of the promotion, with both the person making the referral and the new customer getting a prize. It's important that you publicize this contest. A contest is no good if nobody knows about it. So, put a big sign about it in your store. Put an ad in the free weekly paper in your area and in any freebie advertiser tabloids. Print up some flyers and put them up in places where people will see them.
Referral contests work especially well for service businesses, like hair salons, auto mechanics & body shops, dry cleaners, video stores, caterers & photographers. Any business that relies on expanding it's clientele can
successfully grow from a referral contest
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Many women complain about not having any credit. Those complaining are those who REALIZE that they do not have credit, single women or divorced women, specifically. However, there are many married women who have no credit because financial matters are handled by their husbands, and they are not even aware that they are without any type of credit rating. This is a large problem in America today.
Divorce seems to be the predicament that taunts women in search of their own good credit ratings. Either the wife did not have any of her own credit during the marriage, or the credit she shared with her husband took a bad turn during the divorce. The key to your credit success, regardless of your marital success, is that you build your own "sole and separate" credit. There are many benefits to be gained. First, in the event that the marraige does not work out, each spouse may part with their own credit. If the wife was always on time with her payments and the husband was poor with his payment schedule, they should be able to part ways with her credit intact.
Another good reason to have separate credit is in the event a financial tragedy comes your way, leaving you with no alternative but to file banckruptcy. It might be possible that one partner could file while the other remains clear. If your husband currently has all the credit, have him place you on his accounts as a "sharer" of the account. You want to be sure you share the account but not the contractual liability. This way you will NOT be responsible for his errors. If it does show as a negative on your rating, you will be able to dispute it as you did only share the account. If the account is in good standing, work on getting it on your credit rating as you may take the responsi-bility for the good rating. For men in similar situations, try the same method.
If neither the wife or the husband have any credit, then both would sign the account as "joint" in privileges and contractual liability. Continue this process until you both have enough credit to get credit singularly. Then, as your new sole and separate accounts begin to get established, start closing the joint accounts you once shared. The purpose of this is to establish your credit as "sole and separate".
Consider also the use of a joint checking account. A clean checking history is very helpful in building credit, however, be wary if your spouse is particularly neglectful when maintaining a checking account-the end result
could cause more harm than good.
Divorce seems to be the predicament that taunts women in search of their own good credit ratings. Either the wife did not have any of her own credit during the marriage, or the credit she shared with her husband took a bad turn during the divorce. The key to your credit success, regardless of your marital success, is that you build your own "sole and separate" credit. There are many benefits to be gained. First, in the event that the marraige does not work out, each spouse may part with their own credit. If the wife was always on time with her payments and the husband was poor with his payment schedule, they should be able to part ways with her credit intact.
Another good reason to have separate credit is in the event a financial tragedy comes your way, leaving you with no alternative but to file banckruptcy. It might be possible that one partner could file while the other remains clear. If your husband currently has all the credit, have him place you on his accounts as a "sharer" of the account. You want to be sure you share the account but not the contractual liability. This way you will NOT be responsible for his errors. If it does show as a negative on your rating, you will be able to dispute it as you did only share the account. If the account is in good standing, work on getting it on your credit rating as you may take the responsi-bility for the good rating. For men in similar situations, try the same method.
If neither the wife or the husband have any credit, then both would sign the account as "joint" in privileges and contractual liability. Continue this process until you both have enough credit to get credit singularly. Then, as your new sole and separate accounts begin to get established, start closing the joint accounts you once shared. The purpose of this is to establish your credit as "sole and separate".
Consider also the use of a joint checking account. A clean checking history is very helpful in building credit, however, be wary if your spouse is particularly neglectful when maintaining a checking account-the end result
could cause more harm than good.
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