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Article Title:
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Unemployment May Require a 401(k) Defensive Strategy

Article Description:
====================
We all plan and prepare for what lies ahead of us, but can we
truly know what our future holds? In all of our planning, we
never seem to account for that Mack truck barreling down the
freeway, out of control and on a direct path for our vehicle.


Additional Article Information:
===============================
787 Words; formatted to 65 Characters per Line
Distribution Date and Time: Tue Apr 11 20:55:37 EDT 2006

Written By:     Daniel Lamaute
Copyright:      2003-2006, All Rights Reserved
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Unemployment May Require a 401(k) Defensive Strategy
Copyright © 2003-2006 Daniel Lamaute, All Rights Reserved
Lamaute Capital, Inc.
http://www.investsafe.com/



We all plan and prepare for what lies ahead of us, but can we
truly know what our future holds?

In all of our planning, we never seem to account for that Mack
truck barreling down the freeway, out of control and on a
direct path for our vehicle.


MEET THE MACK TRUCK

Following is a real life example of someone whom I will refer
to as Jane.

In March of 2000, the Mack truck hit Jane in the form of the
Dot Com Crash. Through no fault of her own, her dreams came
crashing down around her.

Jane is a well-educated woman, who had planned her future well
and was living the dream. She went from flying high in the Dot
Com frenzy, pulling in a cool six figure income, to crashing
into the hard reality of unemployment.


WHAT ABOUT THE SAFETY NET?

In times past, Jane had managed to bounce back from adversity to
continue living the dream. Yet, this time around was different.

An astute planner, she curtailed her family spending to cushion
the fall. Still, it was not enough. The mortgage, insurance and
car payments were taking their toll on her savings.

Six months into unemployment, Jane decided to start her own
consulting company. Although she was able to pick up a few
clients, the income she generated simply was not enough to
pay the bills.

For the first time in her life, she was delinquent paying her
bills. She feared losing the lights and even her home.


THE LAST STRAND OF HOPE

A year had gone by, her credit was maxed out and her savings
depleted. Jane's 401(k) account had become her final hope.

Would her 401(k) savings be enough to get her back on her feet,
allowing her to keep her home, her car, and to keep her dream
alive? Or would she lose everything?


WHAT ABOUT YOU?

What would you do if you were in Jane's shoes? Would you have
been able to pull out of the dive and save your life's work
and dreams?


THE HARD TRUTH ABOUT EARLY WITHDRAWAL

With a 401(k) program, the money that we contribute is
tax-deferred until we withdraw the money. Because the 401(k)
is a retirement savings program, the government frowns if we
withdraw our money early.

In fact, if you were to withdraw your money prior to the age
of 59 1/2, then you will pay to Uncle Sam not only your
regular tax rate, but also pay a 10% early withdrawal penalty
tax. Ouch!


A HYPOTHETICAL EXAMPLE

Hypothetically, you could pay a combined total of 40% in
federal, state and local income taxes plus the 10% penalty.
A $50,000 withdrawal would cost $25,000 between taxes and
penalties.

That is definitely a big OUCH! It pains me to realize what Jane
had to give up to find the money she needed to get her through
her most difficult time.

Your tax or legal professional can advise you as to what tax
rate you could expect to pay.


FAST FORWARD TO 2002

In 2002, new tax laws made it advantageous for retirement plan
providers to introduce the self-employed 401(k). A self-employed
401(k) is available to you if you are in business for yourself
or with your spouse and have no employees.

Under the current tax code, you can rollover your IRAs or 401(k)
to a self-employed 401(k) plan. Some plans allow you to borrow
up to 50% of your account balance for a maximum loan amount of
$50,000.

If only Jane could have survived until 2002 without tapping her
retirement savings, then her present financial picture could
have been much different.

Let me explain.

Had this option been available and taken advantage of, Jane
could have taken a loan for the full $50,000, against which no
taxes or penalties would have been levied. And her retirement
savings would have remained intact.


A 401(k) DEFENSIVE STRATEGY

It is my hope that you can avoid the Mack truck altogether,
but the truth is that not one of us can foresee what might
lie ahead in our paths.

With the self-employed 401(k) loan feature securely in place,
you will get the ability to use your retirement savings as a
rainy day fund, without the fear of having to pay any taxes or
penalties for the use of your own money provided you repay the
loan by the prescribed time.

If you are now self-employed or expect to be in the future,
please explore the self-employed 401(k) option now. Be sure to
ask about any fees to establish and invest in a self-employed
401(k).

It is your money! Protect it from the uncertainties of tomorrow!
www.investsafe.com contains information about a self-employed
401(k) plan with the loan feature.





---------------------------------------------------------------------
Daniel Lamaute, CEO of Lamaute Capital specializes in helping
people get the most benefit from their retirement investments.
Take cash payments from your retirement funds the smart way.
Get your FREE SOLO-OWNER 401K INFORMATION KIT. Kit includes a
prospectus with detailed information about the plan, investments,
sales charges and expenses. Visit http://www.investsafe.com to
order kit. COPYRIGHT @ 2003-2006, Lamaute Capital, Inc.
All rights reserved.


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Article Title:
==============
How To Find an Investment Advisor

Article Description:
====================
Do you think you need an Investment Advisor? Hold on before
you answer because this is sort of a trick question. Also,
I am definitely biased because I am an Investment Advisor.
Nonetheless, I think I can assist you in looking at this
issue in a way that will serve you.


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Distribution Date and Time: Tue Apr 11 19:53:05 EDT 2006

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How To Find an Investment Advisor
Copyright © 2006 Ulli G. Niemann
Successful Investment
http://www.successful-investment.com/



Do you think you need an Investment Advisor? Hold on before
you answer because this is sort of a trick question. Also,
I am definitely biased because I am an Investment Advisor.
Nonetheless, I think I can assist you in looking at this
issue in a way that will serve you.

Working with a fair number of investors over the last nearly 20
years, I have observed that while most are intelligent people,
and many are fairly knowledgeable about the market, they are, as
a group, not terribly successful with their investing.

Why should they be? More likely than not they have made their
living doing something other than investing, so why would they
think they can do what a professional does better than a
professional? (After all, they go to professionals for health
care or for car repairs when needed!)

Most investors-even some professionals-tend to be "off" in their
timing: they buy things when they are hot, not when they are
cold. But for the greatest benefit, it should be the opposite.
The media doesn't help much when it comes to this buying
approach, and let's face it; greed and fear play a large part in
most peoples' investment decisions.

I truly believe the majority of people would be better of (that
is, they would end up with more money at the end of the day) if
they used professional money managers to advise them on their
investing. Specifically I am referring to Registered Investment
Advisors with proven track records of performance in investing in
stocks, bonds, mutual funds

Let me burst one myth right off the bat: You don't have to be a
millionaire to engage the services of a topnotch advisor. Some
people think you need to start an account with $50,000 or more
to get a really good advisor. Well, you may have more choices
if you're at that level, however you can find very successful
Investment Advisors who will accept opening accounts for as
little as $5000.

There are literally thousands of Registered Investment Advisors
in the US. Just what do they do-what service do they provide you?
They do the legwork; the research and analysis. Maybe more
importantly, they keep their primary focus on the markets, and
specifically on their specialty area like individual stocks,
mutual funds, or bonds.

Because they spend the bulk of their time and energy researching,
considering, and analyzing, they naturally have a greater sense
of the market and its movements than those of us who don't put
this kind of attention into it. So, with the right advisor, you
can keep your focus on what you want-like your business or your
retirement or whatever-and still get the information you want and
need to invest wisely.

How Do You Find The Advisor for You?

Since there are good Investment Advisors and bad ones, how do you
find the former and avoid the latter? Good question, and there
are some keys. Most large brokerage firms list the Investment
Advisors they work with and maintain information about their past
performance. This is not a foolproof resource, though, since they
tend to recommend the Investment Advisors who invest in their
products or clear their business with the firm. So if you pursue
this avenue, you need to watch for conflict of interest issues.

You can always subscribe to one of the numerous database services
that include information, and sometimes rankings, on Investment
Advisors. These services tend to be fairly pricey, though, so
they may not be your best choice. Another option is to find
articles (yes, like this one) or free newsletters written by
Investment Advisors. If you find one or several that make sense
to you, check out the IA and see if there's chemistry between
you.

When checking out advisors, here are some things to keep in mind:

1. Verify their record -- look over their past performance;

2. Consider their system. Will it work in different market
    environments?;

3. As best you can, check out their operation and

4. See if they've had regulatory problems.

5. Equally important as doing your due diligence is making sure
    there is good communication between you and your advisor and
    that you trust this person with your money choices.

Another quick free way to scan through a select database and find
a wide variety of candidates is with www.wiseradvisor.com. I'm
registered there myself as an advisor and know that the company
did a background check regarding registrations and regulatory
issues.

An important question to ask is the how the advisor gets
compensated. You want to stay away from commission junkies or
salesmen disguised as advisors. I believe that you will get the
best unbiased advice from someone who is paid a management fee
based on the value of the assets that you entrust them with.

To take it one step further, ask if the advisor invests his own
money in the same methodology that he recommends for his clients.
If he doesn't, ask why. If you don't like the answer, close your
check book and run as fast as you can.

Choosing an Investment Advisor can yield long-term high profit
benefits. I encourage you to consider it if you haven't before.
However, as with any relationship, make sure there's a fit before
you jump into it.

© Ulli G. Niemann



---------------------------------------------------------------------
Ulli Niemann is an investment advisor and has been writing
about objective, methodical approaches to investing for over
10 years. He eluded the bear market of 2000 and has helped
countless people make better investment decisions. To find out
more about his approach and his FREE Newsletter, please visit:
http://www.successful-investment.com.


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Article Title:
==============
Imagine, I Wonder If You Can...

Article Description:
====================
I have a dream that I can live in an America where all of my
dreams can become a reality. I have a dream that I can enjoy true
financial independence. I have a dream that all things that my
heart desires are within my reach.


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Imagine, I Wonder If You Can...
Copyright © 2006 Terry Sparing
Exercise Your Free Will
http://www.ExerciseYourFreeWill.com



Imagine all the people
Sharing all the world...

You may say I'm a dreamer,
but I'm not the only one,
I hope some day you'll join us,
And the world will live as one.

Surely you recognize the immortal words of John Lennon, circa
1971, from his song and album by the same name, "Imagine."

It is a lovely concept, but it does not have much bearing in the
real world of life. So many people come to the table with their
own little ideas about how everyone else should act and behave.

But, as long as the Constitution permits me to act and behave
according to my own principles of life, liberty and the pursuit
of happiness --- so long as my pursuits don't infringe upon the
rights of others --- then I will continue to act and behave
according to my own principles of living.


Like Martin Luther King, I Have A Dream...

I have a dream that I can live in an America where all of my
dreams can become a reality. I have a dream that I can enjoy true
financial independence. I have a dream that all things that my
heart desires are within my reach.

I have a dream that there are people who share my convictions of
personal liberty and share my dreams of financial independence.

When I came to the Internet, I was seeking the fulfillment of my
dreams. And when I came to the Internet, I found my dreams were
within my reach.

John Lennon was not completely wrong when he penned Imagine. It
is possible for individuals to come together as one.

There are people who believe in the value of working together
towards a common cause. And, I have found myself lucky to be
among this special group of people who believe in the growth
of the one, through the shared experiences of the many.

They work together towards fulfilling a shared goal of financial
success in their own lives. And when I came to them, they
welcomed me into their world with open arms. They did not care
where I had come from or where the journey of life had taken me.
They simply cared about me, and helping me to accomplish my
dreams.

The relationship I share with these folks is exceptional. I could
not ask to be associated with a better group of people. I feel
blessed.


There Is Always Room For One More...

Yeah, another song reference...

The people with whom I have come together with have given me a
gift that I could never had expected. They invited me into their
family. They taught me what I needed to know to become successful
and to realize my dreams in this lifetime. Then they did the best
thing anyone can do for another... They taught me how to stand on
my own two feet, and they have taught me how to be able to do for
others what they have done for me.

They have taught me how to be successful in network marketing.
And, they have taught me how to help others to be successful in
network marketing.

They don't tell me how I should act or behave --- how to fit
into their little clique. No, they did not do that. Instead,
they taught me how to become successful selling other people's
products and services, and then they taught me how to share this
wealth of knowledge with other people. They taught me how to help
other people to be successful in achieving their own dreams and
goals.


Success Is In The Company You Keep

In the time that I have been online, I have been able to build
relationships with some exceptional people who share my goals of
financial independence.

They have taught me how to duplicate their own success. They gave
me the confidence to stand on my own two feet. And then best of
all, they taught me how to share with others what I have learned,
so that others may be successful as we are.

If you want to be successful in life, carefully choose the people
you associate with. The people you surround yourself with are the
people who will help you to reach your goals.

Your dreams are within your reach. Don't be afraid to reach for
them.



---------------------------------------------------------------------
Terry Sparing is the owner of
http://www.ExerciseYourFreeWill.com
If you are looking to achieve your own goals of
financial independence, Terry is willing to work
with you to help you make your own dreams a reality.
"Success Is In The Company You Keep"


--- END ARTICLE ---



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   Clean links should point to the Author's links without
   redirects having been inserted into the copy.

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   the paragraph breaks fall, but you cannot eliminate all
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Article Title:
==============
Meeting Employee Work Expectations: 4 Keys for Minimizing Turnover

Article Description:
====================
Workforce experts estimate that the cost of replacing a worker
is 1.5 times the annual salary of the worker.  To minimize your
turnover costs and maintain a productive workplace, employers
need to look beyond the salary and benefits.


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540 Words; formatted to 65 Characters per Line
Distribution Date and Time: Tue Apr 11 11:41:53 EDT 2006

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Copyright:      2006, Corexcel
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Meeting Employee Work Expectations: 4 Keys for Minimizing Turnover
Copyright © 2006, Corexcel Eric Fox
Corexcel
http://www.corexcel.com



Workforce experts estimate that the cost of replacing a worker
is 1.5 times the annual salary of the worker.  To minimize your
turnover costs and maintain a productive workplace, employers
need to look beyond the salary and benefits.

Work can be a satisfying and positive experience for your
employees when their work expectations are being met.  Salary and
benefits are the obvious compensations that an employee expects
from his or her employer, but there are a host of immaterial
things that can provide job satisfaction.  Whether you, as an
employer, are considering a new hire or trying to retain current
employees, there are four key factors that can help make work a
positive experience.


Environment

Many employees expect a pleasant work environment.  No one wants
to wake up each morning dreading going to work.  Do your workers
prefer a low-stress environment that has a social atmosphere?
Perhaps you should consider assigning projects that require
teamwork and personal interaction.  However, different
personalities expect different types of work environments.  Some
people work better under pressure and welcome the opportunity to
be challenged.  Giving workers the opportunity to express their
ideas in a workplace that emphasizes results over personal
relationships may give them satisfaction.


Structure vs. Independence

Structure is an integral part of the workplace for some
employees.  Perhaps they like to know that certain resources are
available to them.  Providing workers with specific timelines,
procedures, or guidelines may be beneficial to them when
completing a project or problem-solving.  Some people, however,
expect to work independently.  They may want to set their own
priorities or use their methods of problem-solving.  Granting
freedom to take on new responsibilities or to streamline current
procedures might be a way to keep your employees happy.


Work vs. Personal Life

Most employees expect a certain balance between work and personal
life.  They have commitments outside of work and feel that work
should not distract them from fulfilling those commitments.
Assure your employees that you understand their commitment to
their families and other activities.  Let them know that work
will not interfere with their personal life, but also that you
expect high standard of job performance.


Career Growth

Having a career is important to many people in today’s society.
If your employees enjoy their job, invest a lot of time and
effort, and succeed at it, they probably expect to get rewarded.
The reward doesn’t always have to be monetary; sometimes a new
job title, increased responsibility, or other incentives will
provide the positive reinforcement they desire.  Career-minded
employees probably want to gain new experiences and increase
their set of job skills, making themselves more marketable to
other employers.  Making sure your employees know there are
opportunities for advancement may keep them satisfied and keep
them with your company.

Once you have identified the things that can make work a positive
experience for your employees, you must keep the lines of
communication open.  Your employees may never be satisfied in
their current positions if their work expectations are not
met. As an employer, you understand the high cost of employee
turnover.  If you want to retain your employees, learn what their
work expectations are and do what you can to increase their job
satisfaction, making work a positive experience.




---------------------------------------------------------------------
Written by: Eric Fox
<a href="http://www.corexcel.com/html/work.expectations.htm">Work
Expectations</a> article produced by Corexcel.
Corexcel specializes in online continuing education and workforce
training.  For more information about Corexcel and the training
materials they offer, visit http://www.corexcel.com.


--- END ARTICLE ---



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The Ultimate Survival Skill for the Information Age

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We're living in incredibly turbulent times. The well spring
of this uncertainty lies in one of the characteristics of
the newly-arrived Information Age.


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The Ultimate Survival Skill for the Information Age
Copyright © 2006 Dave Kahle
The DaCo Corporation
http://www.davekahle.com/svtransforming.htm



We're living in incredibly turbulent times.

The well spring of this uncertainty lies in one of the
characteristics of the newly-arrived Information Age. Business
people are being buffeted by an increasingly rapid rate of
change. Consider this. In 1900, the total amount of knowledge
available to mankind was doubling about every 500 years. In
1990, it was doubling about every two years.

Imagine the implications of that kind of increase in the rate
of change! It means new products, new regulations, new market
configurations, new customers, and new technology in almost every
industry. It's no wonder that we're confused and uncertain about
what to do.

And the growth of that knowledge continues at an expanding rate.
One futurist predicts that today's high school students will have
to absorb more information in their senior year alone than their
grandparents did in their entire lifetime. And Nesbitt is on
record as predicting that in the year 2020, the rate of knowledge
will double every 35 days!

That incredibly rapid pace of new knowledge is driving the forces
of change at an unprecedented rate. And that rate of change is
continuing to accelerate. The effect of that snowballing rate of
change on our businesses and our jobs can be cataclysmic. It's
almost as if a malevolent spirit were stalking our economy,
rendering all the wisdom of the past useless, and casting a spell
of confusion and uncertainty over the land.

The indications are that this rapid state of change will not be
a temporary phenomena we all must live through. Rather, it will
be the permanent condition we must accept for the foreseeable
future. Rapid change is not a phase we're passing through, it's
a process we're entering into.

That means it is likely that the conclusions, paradigms and core
beliefs upon which we based our decisions just two or three years
ago are likely to be obsolete today. Even more sobering, the
conclusions and strategies which we develop today will be
obsolete in a couple of years. We can count on this continuing
obsolescence of our best ideas and strategies to be the constant
state of affairs.

One of my clients recently told his employees, "The only thing
you can count on is that you won't be doing this job in three
years." His point was that the job will change in that period of
time to such a degree that it'll be a different job. The
technology used will likely change, as will the customers, the
systems and the focus of the job.

The insightful person will accept that rapid change is now a
defining characteristic of our economy, and plan to deal with it
effectively on an on-going basis. Instead of thinking we should
just persevere until it's behind us, we should prepare for rapid
change to be a way of life.

What's the best way to go forward in the light of this rapid
change? What mind sets can we adopt that will equip us to survive
and prosper in turbulent times? What skills do we need to survive
and prosper in the information age?

I believe there is one core skill which will define the most
successful individuals. It's the ability and propensity to engage
in self-directed learning. The only sustainable effective
response to a rapidly changing world is cultivating the ability
to positively transform ourselves and our organizations. And
that's the definition of self-directed learning.

In the face of a world that is different one week to the next,
our most powerful positive response is to cultivate the ability
to learn. By "learning," I don't mean just the acquisition of new
information, although that is a necessary prerequisite. Rather, I
mean the kind of "learning" that requires one to change behavior
on the basis of an ever changing understanding of the world.
Learning without behavior change is impotent.

The individuals who become disciplined, systematic self-directed
learners will be the success stories of the information age.
Likewise, those organizations that become learning organizations
will have the best chance of surviving and prospering.

Read what other have said about it:

"...the key thing as we go forward is the ability to learn. You
can not arrest the pace of development in the marketplace, in
the world, socially and technologically. It is coming at an
increasing rate. You've got to be able to learn and adapt..."
Beale.

Because of the forces surging through our economy, it's safe to
say that tomorrow will be significantly different from today. It
will be more complex and somehow significantly changed. And that
will be true of all the tomorrows in the foreseeable future.

The most skilled employees, therefore, will be the ones who can
continually access the changing facts and growing complexity of
their jobs, and then change appropriately.

That's "self-directed learning."

"We understand that the only competitive advantage the company
of the future will have is its managers´ ability to learn faster
than their competitors." Arie P. DeGeus.

In a world that is rapidly changing, today's hot new product is
tomorrow's obsolete dinosaur. More important than any one product
is the ability to continually create new products. Today's
strongest employee could very well be tomorrow's employment
problem. More important than any one employee is the ability to
find and maintain employees who are constantly growing. Today's
closest customers could be out of business tomorrow. More
important than any one customer is the ability to attract and
retain customers.

All of these are applications of the ultimate competitive
advantage -- the ability to learn faster than your competitors.

"In fact, I would argue that the rate at which individuals and
organizations learn may become the only sustainable competitive
advantage." Ray Stata.

As the economy becomes more and more global, competition will
increase. Few businesses will enjoy a secure market position. The
quality of competition will also improve as competitors strive to
out do one another in providing customer service and value added
products and services. In this new economy, those who survive and
prosper will be those who know how to learn, and who do so faster
and more systematically than their competitors.

And those organizations that become learning organizations will
be those who fill themselves with people who regularly engage in
self-directed learning.

How, then, do you instill this "self-directed learning" in your
organization?

Here are three tactics to begin the process.

1.   Wipe the Slate Clean.

Imagine that you have written the history of your company or your
career on a blackboard. You have every decision, every strategy,
every success and every failure noted in detail. The sum of this
experience provides the rationale for why and how you do
everything that you now do.

Now, take a wet towel, and wipe the board clean. Erase the past.
As you do so, you eliminate the unspoken acceptance of the way
things are, and replace it with the new understanding that things
may not be the way they should be. Just because something is,
doesn't mean it should be. The reason you started doing something
may no longer exist. Remember, with a world turning over more or
less completely every two to three years, any decision or
procedure which had its roots in a situation that three or more
years old may not be justified today.

This little exercise provides a mental image for a change in
thinking that needs to take place if you're going to become a
learning organization. You must begin to think about things that
you do, not on the basis of the past (three or more years ago),
but rather on the basis of the present and the future.

It's a way of eliminating one of the biggest barriers to learning
and changing. That barrier is the mental obstacles that we put in
our own way. Here's an example. One of my clients was frustrated
with his continuing inability to motivate his sales force. He
spent much of his mental energy and financial resources
attempting to get his force of largely independent agents to
spend more time with his product. Yet he never thought about
going to market in ways other than through his traditional
methods. When we broke down that barrier of relying on the past
and wiped the slate clean, we discovered a marketing method which
holds tremendous potential for his business. However, it took a
change in thinking, a thought process that wasn't tied to his
past in order to look at the situation on the basis of the
present and the future rather than the past.

That principle can be applied in every area of your business,
from something so fundamental and important as your method of
reaching your customers, to something as mundane as the way you
answer the phone, or fill out a receiving document.

2.   Give Learning a Strategic Emphasis.

Build in the need to become a learning organization in the most
fundamental building blocks of your business.

Write it into your mission statement. Get the board to pass
a resolution advocating it. Display your commitment to it
predominantly in your personnel manual.

Talk about it at your employee meetings. Make it an agenda item
in your executive meetings. Articulate it as an initiative in
your strategic planning sessions. And, begin to model learning
behavior yourself.

3.   Make self-directed learning a part of everyone's job
description.

Begin to create learning expectations for yourself and all your
employees. Talk about their need to learn and grow. Include it
as an item on every job description.

Then encourage, develop and support learning opportunities
throughout your organization. Here's some things other
organizations have done:

ONE:   Require every employee to attend a certain number of
outside seminars per year.

TWO:   Create "Learning Groups" within your company. These are
temporary groups of people who come together for a short period
of time to learn from and with one another. One of my clients,
for example, has a weekly manager's lunch where everyone brown
bags lunch and discusses one chapter of Steven Covey's book,
Seven Habits of Highly Successful People. The principle of short
term, small group meetings conducted around the free-flowing
discussion of some body of content, can be used throughout your
organization. We organize and train sales people and sales
mangers to enter into this process, for example. People on the
shop floor, service technicians, customer service reps, etc.
can all enter into short term learning groups. Since they are
temporary, the configuration of the groups constantly change,
thus exposing everyone to diverse perspectives. The groups can be
homogeneous (people from the same department or job title) or
heterogeneous (people from different departments and job titles).
The important thing is that your employees are expected to engage
in self-directed learning, and you're encouraging and
facilitation that process.

THREE:   Reward the effective application of learning. In other
words, when someone finds an effective way to change things,
reward them. One of my clients holds a monthly employee meeting,
where the employee who has made the biggest positive change in
the way things are done is rewarded with $150.00 cash bonus.

Begin to implement these strategies and you'll take the first
steps to transforming your organization into a learning
organization. You'll begin the process of mastering the ultimate
skill for the information age.




---------------------------------------------------------------------
About Dave Kahle, The Growth Coach(r):
Dave Kahle is a consultant and trainer who helps his clients
increase their sales and improve their sales productivity.
His latest book for sales managers is Transforming Your
Sales Force for the 21st Century (
http://www.davekahle.com/svtransforming.htm ).  You can also
sign up for his sales ezine called "Thinking About Sales" at
http://www.davekahle.com/svmailinglist.htm . You can reach
Dave personally at 800-331-1287 or by emailing him at
info@....


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An Unreliable Wholesaler = A Black Hole In Your Sales

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The Difference Between Making and Losing Money.


Additional Article Information:
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Distribution Date and Time: Tue Apr 11 08:30:44 EDT 2006

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An Unreliable Wholesaler = A Black Hole In Your Sales
Copyright © 2006 Paul Mroczka
Uk Wholesale Suppliers And Wholesalers B2B Trade Portal
http://www.esources.co.uk



You are preparing to open your business - you know what you are
going to sell, your premises or website are being setup, and you
have your wholesaler all set to go. But is your wholesaler really
ready? What do you know about them? How did you choose the
company with whom you are going to do business? These are, after
all, the people who control your ability to offer a specific
product in a timely manner. They are a very basic element of your
success or failure.

A wholesaler is a company or trading entity that buys large
quantities of specific products at a discount from manufacturers
and then sells each product in smaller lots to vendors, also
known as retailers, who will then resell the product in even
smaller lots to the general public. If you have a business
focused on selling products to the public, you are a retailer,
and you will get your products from wholesalers.

There are a few essentials to look for when considering
suppliers, including reliability and punctuality, company
history, liquidity and financial health, commitment to value and
quality, ethics and trustworthiness, and customer service. Before
deciding on whom you are going to do business with you must
complete some homework by investigating potential wholesalers
in accordance with the six general categories above.

After searching out wholesalers and creating a list of contacts,
your next step should be to directly speak with these potential
suppliers. Talking with someone at the company - making a direct
contact that goes beyond e-mail - should be very simple. This is
actually your first test of their commitment to service. If a
distributor doesn't take the time to connect with you, you will
have grounds to question their concern for customer relations.

When conversing with a wholesaler ask questions regarding payment
terms, turnaround time on orders, quality control, and their
business philosophy. Business philosophy simply means - what is
their company most committed to when it comes to their day-to-day
operation? Be sure to listen carefully, ask follow-up questions,
and request clarification on anything that is not clear. At the
end of your conversation, you should request information about
their company and also ask for business references.

If the wholesaler says they cannot supply references that should
be a warning flag. Any business should be able to provide a few
names of companies or people with whom they have conducted
business.

Also, they should mail or e-mail you some sort of informational
package. This is the first test regarding their turnaround time.
If they forget to send you information you requested or if it
takes longer than 5 business days, you probably want to forget
about dealing with this company. Additionally, what they send
you, how organised it is, and how detailed and professional it
looks will be a good barometer regarding the company's standards
and performance. Read any materials you receive carefully and
check to see if there is some sort of company history and
business philosophy included.

Notice, without risking any money at all, you have probably
already eliminated some distributors while placing others on your
shortlist. Of the six categories listed above you have already
gathered useful information on reliability and punctuality,
company history, ethics and trustworthiness, and customer
service.

Perhaps you have contacted eight companies and you like two.
Search for more wholesalers to interview. A sampling of 10 to 15
will give you a good idea of the range of distributors that exist
and their different policies, standards and services. Don't stop
after speaking with two, three or five. It's just not a big
enough sampling on which to make such an important business
decision.

One important area to weight carefully is company history. If a
wholesaler has been in existence 20, 40, 70, 100 years or more
- that certainly says something about their company. In this
increasingly competitive world, businesses do not continue to
pass the test of time unless they are simultaneously stable and
well run while being adaptable to the changing marketplace. This
does not mean a newly formed company will not serve your needs,
nor does longevity insure your total satisfaction; the length of
a wholesaler's history is simply one of many ways to gauge their
competence and reliability.

After performing your research and reviewing the information you
have collected, you may still be unsure of which distributor you
should choose. You may certainly decide to go with more than one
source for merchandise due to different styles, brands, and price
ranges they offer. You can always go with the wholesalers at the
top of your list, knowing that you still have information on a
second or even third choice, which you could fall back on if your
initial pick proves to be ill-advised.

One thing to remember is that after following through on your
queries your final decision may be based on a feeling - a gut
reaction - rather than on cerebral deduction. Still, the fact is
all of the work you have done has not been wasted. You have used
it to get to the point where you have two, three or maybe even
four sound choices. You really won't know if you have made the
correct choice until your business is up and running - taking
orders and, because of your hard work, delivering the goods.




---------------------------------------------------------------------
Paul Mroczka is chief editor at http://www.esources.co.uk, a
<a href="http://www.esources.co.uk">UK wholesale suppliers and wholesalers B2B
trade portal</a>
based in London, UK.


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Article Title:
==============
Cash Flow Notes 101

Article Description:
====================
A new trend dubbed "peer-to-peer" financing is emerging in the
financing arena and it's already more common than most people
think.


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Cash Flow Notes 101
Copyright © 2006 Russ Dalbey
The Dalbey Wealth Institute
http://www.notenetwork.com/



A new trend dubbed "peer-to-peer" financing is emerging in the
financing arena and it's already more common than most people
think.  Instead of borrowing money from a bank or other financial
institution to purchase real estate or small businesses, private
individuals become the lenders.

Surprisingly, this "new" trend isn't so new at all. People have
been lending money to their peers for hundreds of years.  Today,
these transactions are formalized through Cash Flow Notes, a
written document that states a promise to pay and the terms of
the agreement.


The Untapped Peer-To-Peer Lending Market: Cash Flow Notes

Financing through a cash flow note is an attractive option for
many transactions, particularly real estate.  Now a $350 billion
industry, peer-to-peer seller financing is a growing global
phenomenon.  Already, the sale of most small businesses
incorporate peer-to-peer lending and one in 13 American homes is
purchased using these cash flow notes.

Currently, there are approximately $91 billion in privately held
single-family residences and another $200 billion in commercial
real estate notes.  In fact, there are so many cash flow notes in
the U.S. alone that if you could find and purchase $1 million
worth of notes every day, it would take more than 240 years to
find them all.


Two Ways To Make Money

Most people get started in cash flow notes by simply matching a
seller - someone who is holding a note - with a buyer and then
collecting a fee for putting the deal together with no capital
outlay required.

Additionally, many investors are looking to buy these notes.
It is not uncommon to receive returns of 20 percent or more as
well as immediate monthly cash flow and because these notes are
secured by real estate, they are extremely safe investments.


Russ Dalbey
CEO
Winning In The Cash Flow Business




---------------------------------------------------------------------
As the CEO and founder of The Dalbey Wealth Institute, Russ
Dalbey has authored dozens of best-selling books and articles
on the cash flow business. A highly sought-after public speaker
on the topics of wealth, success, and personal motivation,
he is a self made, self-educated multi-millionaire.
The Dalbey Wealth Institute: http://www.notenetwork.com/


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Article Title:
==============
Knowledge Base & Help Desk Unite For Customer Self Support

Article Description:
====================
Effectively managing customer support demands is a key element
in successful business operations, and with call loads steadily
increasing, more and more companies are turning to Customer Self
Support solutions.


Additional Article Information:
===============================
320 Words; formatted to 65 Characters per Line
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Knowledge Base & Help Desk Unite For Customer Self Support
Copyright © 2006 Anne Sych
Novo Help Desk Software
http://www.novosolutions.com/



Effectively managing customer support demands is a key element
in successful business operations, and with call loads steadily
increasing, more and more companies are turning to Customer Self
Support solutions.  A survey published by the Association of
Support Professionals revealed that the average cost to resolve
a support issue by telephone was $27.78, to resolve by email was
$28.78, while to resolve by web self support was only $3.75.*
Reducing costs while empowering customers has invoked a trend
in Customer Self Help services.

Help Desk Software with an integrated Knowledge Base allows
website owners to provide a web based communications channel
allowing clients to resolve their own issues.  Self Help content
is placed into "articles" which are readily available for
retrieval through the portal.  The customer can simply go to the
website and search for an answer to his issue.  Search relevancy
displays search results with the most relevant articles listed
first, making it easy for the customer to quickly find what he
is looking for.

Typical knowledge base capabilities allow searches by keyword
phrase or through a topic tree.  A good knowledge base includes a
Natural Language Engine, which provides better search results by
eliminating unimportant words, a Thesaurus Engine, allowing for
better search results by expanding related words and Search
Filters, providing the ability to use broad or narrow search
filter classifications.  Useful tools also include recently added
articles, most searched for articles and article ratings by other
users. In the event a quick answer is not found, the customer can
enter a ticket through a web help desk ticket or email.

Web self service allows customers 24/7 service through your
website and since support tickets are deflected, the volume of
inbound calls is reduced. Companies save money by maintaining a
lean support staff and customers can help themselves with an
overall improved experience.

* The Economics of Online Support, Published by The Association
   of Support Professionals, p.4.



---------------------------------------------------------------------
Written by: Anne Sych, Marketing Manager for Novo Solutions, Inc.

Novo Solutions, Inc., is an Independent Software Vendor (ISV)
in Virginia Beach, Virginia specializing in Customer Support
Software. Free trial versions of the <a href=http://www.novosolutions.com/>Novo
Help Desk Software</a>,
and suite of web-based Customer Support Solutions are available.
Contact: sales@... for more information.
http://www.novosolutions.com/


--- END ARTICLE ---



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TERMS OF REPRINT - Publication Rules
(Last Updated:  April 7, 2005)

Our TERMS OF REPRINT are fully enforcable under the terms of:

   The Digital Millennium Copyright Act
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Article Title:
==============
Negotiating Business In China

Article Description:
====================
Just like Confucious and Lao Tsu (who was the inspiration for
Taoism) when negotiating for new suppliers or marketing to the
Chinese you must remember that they are more conscious of seeking
'the way' rather than the truth.


Additional Article Information:
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985 Words; formatted to 65 Characters per Line
Distribution Date and Time: Thu Apr  6 01:05:21 EDT 2006

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Negotiating Business In China
Copyright © 2006 Gerard Brandon
Guru Manager
http://www.gurumanager.com/



Just like Confucious and Lao Tsu (who was the inspiration for
Taoism) when negotiating for new suppliers or marketing to the
Chinese you must remember that they are more conscious of seeking
'the way' rather than the truth.

There is always an underlying need to find the Yin and the Yang
to create a better environment built on respect and morality.

It is likely that they will express their moral values in their
negotiating style. Being more concerned in finding a means to an
end, with the process, rather than defining the goal within any
negotiation discussions.

A Compromising Solution:

The best outcome is obtained through haggling, providing
opportunity for both sides to compromise, where everyone wins and
no one loses. This process cannot be cut short (haggling is a
pre-requisite) and a compromise allows both sides to hold equally
valid positions. Western business mentality tends to argue the
point strongly and get angry. The Chinese tend to haggle, in fact
they believe this is the only way forward.

The Big Picture:

Consider the Chinese Pictographic language. It is not essential
that you learn Mandarin, but because the Chinese are accustomed
to the many thousands of pictoral characters rather than letters
they tend to think more in terms of an holistic approach to the
processing of information. As a result Chinese are more capable
of seeing The Big Picture, while non-Chinese tend to focus on
details.

Xeno-cautious:

The Chinese wariness of foreigners has been learned the hard way.
Long and violant attacks over the centuries have had their toll
from abroad and even civil wars. This leads to cynicism and
contempt about the rule of law and rules in general.

It has been said that the Chinese trust only in their families
and their bank accounts.

Personal Connections (Guanxi)

To the Chinese it is about social respect. He who knows the
highest guy in the place usually wins.

The Intermediary (Zhongjian Ren)

Business deals in China don't have a chance without the Zhongjian
Ren. Suspicion will be the biggest issue you deal with on any
first meeting. Western Business people tend to trust until we
have reason not to. This is the complete opposite in China
Business. Trust must be transmitted via the Zhongjian Ren. He
must pass you along to his trusted business associates. Therefore
it is important tht you seek the person or institutions that has
personal links to your target or executive

It is crucial that Chinese interpretors need to be native
Chinese, as only they can read and explain the moods,
intonations, facial expressions and body language during formal
negotiation sessions. As no one wishes to lose face or cause
loss of face to any party, if you ask what they think of your
proposition, your opposite number is likely to come back with
kankan or yanjiu (Let us take a look - or Let us study it - even
if they think the proposal stinks.

Shedhui Dengji (Social Status)

Formality is a must. Informality will not go down well in a
country where Confucian values of obedience and deference to
one's superiors remain strong. This is especially heightened to
Westerners, so never let the formalities drop. You will insult a
Chinese Executive if you your rank does not equal or exceed his.
It raises doubts about the sincerity of the approach and may lead
to no further negotiation and any potential deal simply dying
before it could begin.

Renji Hexie (Interpersonal Harmony)

Where Western Business can take minutes to size the opposition
up, the Chinese may take days, weeks or even months getting to
know and trust you. Be patient, as in the end it will lead to a
long relationship together. It can include home visits,
invitations to sporting events or other events, and long dinners
during which everything but business is discussed. There is just
no other way to break through. A toast may include the following
"Let's drink to our friendship! We will have a long cooperation!
But if you are not drunk tonight, there will be no contract
tomorrow."

Zhengti Guannian (Holistic Thinking)

Chinese think in terms of the whole, while Western Business
processes tend to break up complex negotiation tasks into a
series of smaller issues: price, quantity, warranty, delivery and
so on. The Chinese tend to skip over them and may never settle on
any one thing. What they really want is long descriptions of
background and context and will ask a thousand questions.
Frustrating but necessary for success.

Jiejian (Thrift)

The Chinese save. They will also make their offers with more room
to manoeuver than you may be used to. Remember the focus is
ultimately on haggling and bargaining. Don't be surprised at
their base offering to any counter-proposal. It is a starting
point.

Mianzi ("Face" or Social Capital)

Reputation rests on saving face. If you cause embarassment or
loss of composure, even unintentionally, it can be a disaster, so
be careful to retain all sense of dignity and allow them to hold
their head high on any deal and not feel hard done by.

Chiku Nailao (Endurance, Bitterness and Enduring labour)

Chinese are famous for their work ethic, but they take diligence
one step further - to extreme. While we see talent as a key to
success, they see Chiku Nailao as much more important and
honourable. Be assured that the Chinese will have worked harder
in preparing for the negotiations than you will.

Second they will expect longer bargaining sessions: throw in jet-
lag and late-night business entertainment and it can be a very
exhausting experience. The trick is to act slightly dumb and ask
questions. A useful tip is to ask the same question again - I
didn't completely understand what you meant. "Can you explain
that again?" - can expose weaknesses in the other party's
argument. Ask why a specific item is important rather than accept
that it is.




---------------------------------------------------------------------
Gerard Brandon is editor of <a href="http://www.gurumanager.com/">Guru Manager
Entrepreneurs'
Toolkit</a> Founder and former CEO of Alltracel Pharmaceuticals
Plc, with multiple partners and suppliers in China. Guru Manager
provides Entrepreneurs interactive tools for building their
global business. http://www.gurumanager.com/


--- END ARTICLE ---



.....................................

TERMS OF REPRINT - Publication Rules
(Last Updated:  April 7, 2005)

Our TERMS OF REPRINT are fully enforcable under the terms of:

   The Digital Millennium Copyright Act
   http://thomas.loc.gov/cgi-bin/query/z?c105:H.R.2281.ENR:

.....................................

*** Digital Reprint Rights ***

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* You are not allowed to Change or Delete any Words or
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*** Author Notification ***

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Article Title:
==============
How To Create A Global Retail Brand On A Shoe String!

Article Description:
====================
From Fanfare to Flop can be a very short time in Brand and
Product launches. History shows that as many as 9 out of
every 10 product launches end up as financial failures.


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768 Words; formatted to 65 Characters per Line
Distribution Date and Time: Tue Apr  4 03:52:12 EDT 2006

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Copyright:      2006
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How To Create A Global Retail Brand On A Shoe String!
Copyright © 2006 Gerard Brandon
Guru Manager
http://www.gurumanager.com



From Fanfare to Flop can be a very short time in Brand and
Product launches. History shows that as many as 9 out of
every 10 product launches end up as financial failures.

Major corporations such as Proctor & Gamble had 12 of its' 250+
products on the market in 2002 generating more than half their
revenue and a greater share of profits.

Big pharmaceutical companies live or die on a single blockbuster
drugs that contribute disproportionate amounts of revenue and
profits.

With an average of 700 brands being launched every year into more
than 2.3 million existing brands around the world currently being
tracked, the chances of creating an international impact with a
single brand are exceptional.

To have all three brands from one small company achieve that goal
within three years, not limited by the amount of financial and
personnel resources available, when the estimated cost of
creating a global brand is over $500 million, Alltracel
Pharmaceuticals PLC has used less than $10 million inclusive to
build all three with a marketing team of four.

Getting your brand or message across in an ever increasing media
buzz even in your local vicinity can be expensive, so how much do
you need to put your stamp on the world?


Gazillions!!!!!!! Right? Wrong

It is possible to engage psychological tactics to get access to
the expensive real estate of your customers' brain. The easiest
way to explain this is through an example and one where I played
a significant role. Although the technology describes the
benefits in wound care, the process represents a breakthrough in
areas like cardiovascular health and Cosmeceuticals.

Alltracel has a patented platform technology called
PolyAnhydroGlucuronicAcid or "PAGA". The benefit in wound care is
that it stops bleeding.


Creation of the Brand

The first part of the exercise involved the creation of a Brand
that would name and describe what it actually is. Micron sized
Dispersed Oxidized Cellulose. By use of the acronym MDOC it was
possible to achieve the first brand and clever association with
health. To further this process it was a logical step to break
it up to achieve M-DOC!

Add in the "Stops Bleeding" benefit and you have a
problem/solution and target audience. Introduce innovative
delivery mechanisms such as Spray on Bandages - with M-DOC,
Blotting technology - with M-DOC which is similar thin film
technology like Pfizers' PocketPaks breath and another brand
"Blotter" and you now have a reason why retailers got excited and
took the product. Next throw in an impregnated "Band-Aid" like
adhesive dressing with M-DOC inside and you have a 5 SKU range of
products and a completely new "Stops Bleeding Category". This not
only enhanced the range of products available in the First Aid
section of retail and drug-stores, but also increased revenues
with new value added products in what was for many years a
dormant category.

Faced with competition that could wipe the floor with the
Alltracel products, the way forward was to work within the
industry rather than against each company. This was done by
co-branding with existing brands and retailer brands. Alltracel
licensed the technology on a non-exclusive basis and delivered
added value to all new users of the M-DOC technology.

This can be seen by walking into any Boots Plc retail outlet in
the UK and in the First Aid section there are Boots own Brand
"Stops Bleeding range with MDOC technology being promoted along
side. This spread to the US where CVS, Rite-Aid, Walgreens and a
multitude of other drug-stores in 2005 had products with M-DOC.
This spread to have products in more than 300,000 outlets around
the world in Europe, Asia and the US markets.

Now having said this, building a brand is still a long term
exercise and wound care is a big market with small margins.
Creating a Brand requires the ability to deliver a promise.

M-DOC delivers the benefit of the science and not just the
science.

People buy benefits. They want value and need to see results.
Retailers need increased revenue from existing dormant product
ranges. M-DOC delivers all of the above. Alltracel staked its'
claim on a very intensive, highly competitive and potentially
dangerous product launch platform and delivered on its' promise
to deliver.

The future will tell the true worth of the brand value in
Alltracel, but ultimately innovation is not just about product
development, it requires creative marketing and not as much money
as you think!

PocketPaks is a registered trademark of Pfizer Inc. Band-Aid is a
registered trademark of Johnson & Johnson. M-DOC and Blotter are
registered trademarks of Alltracel Pharmaceuticals PLC.




---------------------------------------------------------------------
Gerard Brandon is editor of <a href="http://www.gurumanager.com/">Guru Manager
Entrepreneurs'
Toolkit</a> Founder and former CEO of Alltracel Pharmaceuticals
Plc, with multiple partners and suppliers in China. Guru Manager
provides Entrepreneurs interactive tools for building their
global business. http://www.gurumanager.com/


--- END ARTICLE ---



.....................................

TERMS OF REPRINT - Publication Rules
(Last Updated:  April 7, 2005)

Our TERMS OF REPRINT are fully enforcable under the terms of:

   The Digital Millennium Copyright Act
   http://thomas.loc.gov/cgi-bin/query/z?c105:H.R.2281.ENR:

.....................................

*** Digital Reprint Rights ***

* If you publish this article in a website/forum/blog,
   You Must Set All URL's or Mailto Addresses in the body
   of the article AND in the Author's Resource Box as
   Hyperlinks (clickable links).

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   Clean links should point to the Author's links without
   redirects having been inserted into the copy.

* You are not allowed to Change or Delete any Words or
   Links in the Article or Resource Box. Paragraph breaks
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   the paragraph breaks fall, but you cannot eliminate all
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*** Author Notification ***

   We ask that you notify the author of publication of his
   or her work. Gerard Brandon can be reached at:
   gjbrandon@...


*** Print Publication Reprint Rights ***

   If you desire to publish this article in a PRINT
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Article Title:
==============
SORRY, You Are Way Off If You Think An Independent Record Label Can't Be Super
Profitable!!!

Article Description:
====================
Independent records labels are usually more profitable for the
owner of the label than being allied with a major label because
the artist gets to keep 100% of the profit. So if money is the
only measure of profitably, independence puts more money in the
artist's pocket.


Additional Article Information:
===============================
655 Words; formatted to 65 Characters per Line
Distribution Date and Time: Fri Mar 31 06:43:42 EST 2006

Written By:     Ty Cohen
Copyright:      2006
Contact Email:  mailto:Ty@...

Article URL:
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SORRY, You Are Way Off If You Think An Independent Record Label Can't Be Super
Profitable!!!
Copyright © 2006 Ty Cohen
The Ultimate Record Label
http://www.TheUltimateRecordLabel.com/landing_page.htm



Independent records labels are usually more profitable for the
owner of the label than being allied with a major label because
the artist gets to keep 100% of the profit. So if money is the
only measure of profitably, independence puts more money in the
artist's pocket.

But if you are part of a new genre of music, you will probably
need the big boys to make your genre become popular enough to
command a world wide audience.  Take rap music as an example.
Without the backing of the big record labels, rap would still be
basically a local phenomenon. The support that the major record
labels gave to rap artists is the reason it has become so
successful.

Riding on the tails of that success is a very profitable
independent market for rapsters and because of the national
market created by the major labels marketing and distribution
efforts, the independents are raking in huge amounts of money.

Without the initial backing of their genre, the independent
artists will still be making more money than artists working for
a big label, but the total amount of profit would be less because
of the much smaller market for the music.

The smart independent will leverage the money spent by the big
labels to help increase the popularity of their own genre of
music as the basis for making their own independent label more
successful.


Other Factors

Some of the changes that can help out the independent artist make
more money include:

  * Home-studio systems like ProTools have dramatically reduced
    recording costs. A sound studio can be built in your home
    for around $10,000.

  * Selling directly to the customer through the internet and
    eliminating the 70-80% that goes to the retailer. As a result
    they can offer the public lower prices, take the lessons
    taught over at http://www.SellMusicOnlineLikeCrazy.com for
    example.

  * Sell music in MP3 format and burn CDs only when they are
    actually ordered. One of the biggest distribution costs is
    burning, labeling and shipping CDs to retail outlets with
    no guarantee the CDS will actually sell.


You need to understand that all of the above savings will not
eliminate the need to aggressively market your music. Artists who
already have a following have been very successful with their
independent labels. The major benefit of signing with a major
record label is the marketing they provide.  Smaller media
consultants can do the marketing and promotion of a CD for much
less than a major record label but good marketing and promotion
people will never come cheap. However, you may be able to get a
smaller media company to work on a low flat rate that covers
their basic costs plus a % of the profits from the sale of the
music.


Piracy...Help or Hindrance?

Piracy is not necessarily hurting the artist. It does hurt the
big record labels and many of the larger independent labels that
produce other people's work because they only make money from the
sale of the CD or from licensing fees if they own the copyright
to the music.

The file sharing networks that allow the piracy of so much of
today's music can raise the music's and therefore the artist's
visibility. Being more visible can actually lead to increased
sales for artists who don't have huge promotional budgets. By
being more visible, the artist can become more popular and will
be able to book more live performances. Even the most die-hard
"free downloader" will shell out money to attend a live concert.

The bottom line is music piracy hurts everyone involved in the
creation and distribution of the music except the performer.
Historically, under the big record labels, the performer usually
got the smallest piece of the profit pie. That fact is behind
some performers giving away MP3 versions of their music so they
can draw bigger crowds to live performances and also charge their
fans for professional quality CDs.




---------------------------------------------------------------------
Ty Cohen is the acclaimed author of over a dozen best-selling
music industry "How to" books and courses. Grab a copy of
Ty Cohen's latest book title by visiting:
http://www.MusicBooksByTy.com and to learn more about
starting or turning your existing record label into
a world wide, profit pulling record label visit:
http://www.TheUltimateRecordLabel.com/landing_page.htm
Start A Record Label Today!


--- END ARTICLE ---



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Article Title:
==============
The Persistency Phenomena, Program Trading and the Small Caps

Article Description:
====================
The concept of trading for persistency is simple. The rules are
this; buy on an up day and sell on a down day. The results of
this strategy have blown away buy and hold and were demonstrated
in the article: - The Non-Random Walk Theory Persistency.


Additional Article Information:
===============================
640 Words; formatted to 65 Characters per Line
Distribution Date and Time: Fri Mar 31 06:20:38 EST 2006

Written By:     Damian Campbell
Copyright:      2006
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The Persistency Phenomena, Program Trading and the Small Caps
Copyright © 2006 Damian Campbell
CET Capital
http://www.cetcapital.com



The concept of trading for persistency is simple. The rules are
this; buy on an up day and sell on a down day. The results of
this strategy have blown away buy and hold and were demonstrated
in the article: - The Non-Random Walk Theory Persistency. The
article also showed that the day to day upward consistency of the
market deteriorated around and during the Bear Market; this could
be seen in the growth of $1000 equity charts in the above
mentioned article. Some people argue that this deterioration was
due to program trading, I would argue that is was caused by the
Bear Market and the after affects of September 11, 2001. The
conclusion is persistency is an exploitable phenomena and while
it may have deteriorated for a while it never disappeared in the
small cap markets. Note: It is also important to remember day to
day persistency is only one of the ingredients CET Capital uses
in our over all methodology.


First I Will Address the Issue of "Program Trading"

After it is all said and done an increase in "program trading" is
just another way of saying an increase of volume. When investors
talk about volume they are talking about liquidity. One way to
measure "program trading" is to look at the Commitment of Traders
open interest. As of March 7, 2006 open interest was 695,690
contracts for the S&P 500, 74,882 contracts for the NASDAQ 100
and 34,247 contracts for the Russell 2000. The action is, has
been and will be in the S&P 500. The reason why "program traders"
or "big money" play the S&P is because of its attractive
liquidity. Small cap stocks by their nature are illiquid. The
less liquid a market the larger the bid-ask spread. Try
liquidating a billion dollar position of small cap stocks. You
can do it but it will take awhile and you might not get the price
you like. It is the small cap illiquidity issue that deters
active trading and it is the lack of active trading or volume
which is one ingredient that leads indices to higher persistency.
That said as long as the Russell 2000 stays small cap dominated
it should remain more persistent then the larger cap indices


The Golden Rule of Investing Is Preservation of Capital

The easiest way to lose money in the markets is to sit on a
losing position. Trading for persistency forces you to sell after
one down day therefore you do not hold losing positions. The flip
side to that coin is you can lose money if you are trading during
choppy market conditions. For example, if you buy on an up day
and the market closes down the next day forcing you to sell.


Persistency Is Here To Stay

Lastly I want to show you a chart of trading for persistency on
the Russell 2000 vs. buy and hold of the S&P 500 from 1998 until
February 2006. During this period the Russell 2000 had a 55
percent chance of closing up two days in a row. Trading for
persistency during this time produced a compounded annual return
of 13.27 percent with a maximum drawdown of 34.53 percent. Buy
and hold of the S&P 500 produced a compounded annual return of
3.45 percent with a maximum drawdown of 49.15 percent.

  [IMAGE: http://www.cetcapital.com/blog/images/RUTvsS&P_POP.jpg ]

There comes a point in every money mangers life when they have to
take what they have been testing and trade it with real money.
That point for CET Capital was in the beginning of 2003. So far
our managed account performance has been good and drawdown has
been low. It is also important to remember day to day persistency
is only one of the ingredients CET Capital uses in our management
programs.

Please click this link to read our full disclosure.
http://www.cetcapital.com/disclosure.htm



---------------------------------------------------------------------
Damian Campbell is President and head money manager of
CET Capital, a Registered Investment Advisory firm. He
oversees the testing and execution of all CET Capital
investment programs. Low Minimum, Low Management Fee,
Small Cap Focused, No Leverage. Please visit us on the
web at http://www.cetcapital.com or call.


--- END ARTICLE ---



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Article Title:
==============
From "Just A Job" To Your Dream Career

Article Description:
====================
Are you in a career you love, or in a job you are tolerating?
What's the difference? If you're working strictly to earn a
paycheck to pay the bills, you have a job. If your days are
filled with passion and delight for the work you do, you have
a dream career.


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From "Just A Job" To Your Dream Career
Copyright © 2006 Deborah Brown-Volkman
Surpass Your Dreams, Inc.
http://www.surpassyourdreams.com



Are you in a career you love, or in a job you are tolerating?

What's the difference? If you're working strictly to earn a
paycheck to pay the bills, you have a job. If your days are
filled with passion and delight for the work you do, you have
a dream career.

So how is your career going? Is it filled with dreams or
nightmares?

We all have responsibilities. Bills to pay and futures to save
for.  Going to work is reality. So why not shoot for the stars?
Why not have a goal to make a great salary while doing work you
love?

Impossible? Guess what? It won't happen until you decide that it
will happen. When you tackle new challenges in your career, the
beginning is the hardest. Once you jump in, your goals take
shape, and they begin to seem realer and easier to achieve.

Here is how some of my clients described their dream careers when
they were at the beginning of their shift from job to career:

"My dream career would be focusing on the areas where I can find
fulfillment and can make a difference in the lives of others. It
has to be creative." Linda May

"My dream career would be working at something I'd do if no one
paid me to do it." Dale Alvaraz

"It has to get me excited. So excited that I would rather work
than watch TV or do something else. Another indicator is when I
can wake up early without an alarm clock and I am looking forward
to the day." Alex So


So How To Do Make The Shift From "Just A Job" To Your Dream
Career? Follow These Four Steps Below:

1. Recognize That You Want More

Do you know in your heart that you want a career that gives you
meaning, purpose, and satisfaction? Listen to your inner voice,
because what it is saying to you will not go away until you act.
When you get to a point in your career when you know it is not
working anymore, it's important that you do something about it.


2. Get Ready Mentally To Have More

Write down what your dream career is. If you do not know, write
down what it's not. When you know what you don't want, the flip
side is what you do want. Look at this piece of paper everyday.
Review it in the morning. Look at it during lunch. Go over your
words before you go to sleep. This process will help your
thoughts sink in and become a part of your subconscious.

What keeps many of my clients from saying "I can achieve my dream
career" is fear. Fear is normal. There's always fear when we take
on new goals. But ask yourself which fear is harder to be with:
the fear of knowing that you did not give your career its best
shot, or a fear of failing?


3. Get Into Action To Have More

Nothing happens until someone does something. And, if you want a
dream career, you have to get moving. Act. One action leads to
another, which leads to another. This is how goals are reached.
Bit by bit. Piece by piece.

When you work on your dream career, a little bit each day, your
wish will be granted. Consistency is key. Most of us do not
believe that we have hours each day to work on our career, but
the truth is we do.  How about working on your career 1/2 hour in
the morning, 15 minutes at lunch, 1/2 hour before you leave the
office at night, or an hour after dinner? Breaking your dream
career into small achievable pieces will make a tremendous
difference. You will be surprised and amazed at how much progress
you will make.


4. Recognize That Anything Worthwhile Takes Time

All goals take time. And, the time they take to become real
usually takes longer than we'd like. Know that this is part of
the process.

Keep moving no matter what, even if you do not feel like. Trust
that you are on the right path. Your dream career will happen,
because you want it to happen. The effort you put in will be
worth it, because the end result will be a career you can proud
of.

So, what do you say? You only have one life to live, so it
might as well be a life you love!



---------------------------------------------------------------------
Deborah Brown-Volkman is the President of Surpass Your Dreams,
Inc. a successful career and mentor coaching company that has
been delivering a message of motivation, success, and personal
fulfillment since 1998. We work with Senior Executives, Vice
Presidents, and Managers who are out of work or overworked.
Deborah is also the creator of the Career Escape Program(tm) and
author of Coach Yourself To A New Career: A Book To Discover Your
Ultimate Profession. Deborah Brown-Volkman can be reached at:
http://www.surpassyourdreams.com
http://www.career-escape-program.com
info@..., or at (631) 874-2877.


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Article Title:
==============
Networking For Success

Article Description:
====================
Business networking is a powerful way to promote your business.
Meeting other business people is an essential part of building
your own enterprise. Businesses thrive when partnering with
others and business networking allows you to do this. No
man/woman is an island and the same applies to your business.


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Networking For Success
Copyright © 2006 Cheryl Miller
Badge Mags
http://www.badgemags.com/



Business networking is a powerful way to promote your business.
Meeting other business people is an essential part of building
your own enterprise. Businesses thrive when partnering with
others and business networking allows you to do this. No
man/woman is an island and the same applies to your business.
Alliances and partnerships will allow your company to grow and
expand. Plus you will gain new clients and customers when you
network.

Where can you network? Here are a few places:

* Seminars

* Meetings

* Social gatherings

* Business forums and networks.

Seminars are a good way to network, as you will meet others
who are interested in business. These people who come to learn
can be good candidates for your product/service. Learn how to
approach others and make conversation before mentioning your
product/service, so that you can access whether they will be
interested. Always attend Seminars that will attract your
targeted market.

Business meetings: When you meet people from other businesses you
can mingle with them and check out business partners and possible
customers. Business to business is a powerful way to network.

Social gatherings: You will be surprised how many people are
interested in business and would love to start their own if they
only knew how. By making conversation and discussion you can find
out if someone would be interested in your product/service.

Business forums and networks: You cannot openly advertise in
forums but you can always leave your "business card" or sig.
Usually your name and website URL. Be active answer questions
(establish your credibility) and ask questions (other peoples'
opinions can be very valuable.) You will become well known and
other members of the forum will check out your website and even
join your newsletter. These are highly targeted and valuable
prospects.

When you attend functions, like Seminars and meetings you not
only bring your business card but also usually wear a name badge.
Often these are paper or pinned on. A nice reflection on you and
your company is to wear a magnetic name badge. You can customize
them with your company logo and they will look better than the
conventional paper and pinned variety. They add class and
distinction to your image, increasing the credibility of you and
your company. You can make them unique and original using them as
a good conversational piece or "ice breaker." Magnetic badges can
be a distinctive way to introduce yourself in any business
function.

Never underestimate the power of socializing in business. You
learn new ideas from others in your industry and become know as
an expert in your field. Both these business tactics can lead to
long lasting relationships and new customers.



---------------------------------------------------------------------
Cheryl Miller is an entrepreneur specializing in niche markets
For more information about Magnetic badges please visit:
http://www.badgemags.com/
Cheryl is also the Publisher of the "Magnetic Marketer"
a free internet marketing newsletter.


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The Importance of Trend Following in Stock Market Investing

Article Description:
====================
What Edgar Genstein is talking about is the core of investment
strategy - trend following.  While he explains it in an academic
sense, I prefer to be more visual.


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The Importance of Trend Following in Stock Market Investing
Copyright © 2006 John Lohmeier
Enterprise Advisory
http://www.EnterpriseAdvisory.com



"It is the direction of the price movement that counts.  It is
always probable, but never certain, that the direction of the
price movement will continue.  Soon after it reverses is time
enough to sell.  You should sell when you wish you had sold
sooner, never when you think the top has arrived.  That way you
will never get the very best price - by hindsight your individual
transactions will never look daring.  But some of your profits
will be large; and your losses should be quite small.  That is
all that is necessary for a satisfactory, enriching investment
performance."

What Edgar Genstein is talking about is the core of investment
strategy - trend following.  While he explains it in an academic
sense, I prefer to be more visual.

Picture a beautiful sun setting over the mountains; let's say
there are three of them and one is bigger than the other two.
Now pretend that you are hiking in these mountains, (not me
because I am afraid of heights) and you are scaling the first
one; it's not the tallest but you get to the top and the view is
nice but you see the second taller mountain.  You start to hike
down the mountain and then jump across a ravine to the next
mountain.  It's a steeper climb but you get to the top.  The
views are stunning until clouds roll in and fog distorts your
view.  You see that it is clear over on the next mountain so you
climb down the steep terrain and take a flying leap across to the
next mountain where it is a smoother, easier climb to the top
where you reach a flat area where you can get refreshed, rest,
eat and prepare for the next part of your journey.

This is the journey of a trend follower.  You don't stay on a
mountain forever, and you know that you have to go down sometimes
to get to the next trend.  Climbing mountains can be exciting,
but trend following is a very disciplined style of unemotional
investing - boring yet effective.

The key with trend following is relativity to the market. You
want to ride the trend to beat the market indices. If you put an
absolute return goal on your stock investment performance, you
will be disappointed most of the time.  Following the trends will
work in bull and bear markets.  Neither lasts forever and the
more flexible and realistic you are, the less emotion you will
have to enable you to make better decisions.  That's why trend
following works; it eliminates the emotion in investing and
creates the necessary discipline for success.

When you look at a chart on the S&P 500 for the end of 2005,
stocks were banging their heads on resistance at a triple top
that, yes, does look like a mountain range.    It held the market
back but eventually broke above it in early January so a longer
rally upward could be unfolding here.  Watch the trend as the
first quarter unfolds and follow it to improve your chances of
beating the market.




---------------------------------------------------------------------
John Lohmeier is President and Chief Investment Officer of
Enterprise Trust Co., http://www.EnterpriseAdvisory.com, a
Nevada-based trust and investment company.  He employs several
different quantitative long-short models that follow trends
to provide market-beating performance for his clients.
He can be reached at 1-877-ENTER01 (1-877-368-3701).


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Article Title:
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How to Keep Big Opportunities from Tearing Down Your Business

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====================
It's the dream come true: "I love what you do. I want you to do
project X, so we can reach a 1,000,000 people (or build that
retreat center, or, etc., etc.)"  Pretend for a moment that I'm
your mother, on email, and allow me to warn you about THOSE
kinds of strangers. ;-)


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How to Keep Big Opportunities from Tearing Down Your Business
Copyright © 2006 Mark Silver
Heart of Business
http://www.heartofbusiness.com



It's the dream come true: "I love what you do. I want you to do
project X, so we can reach a 1,000,000 people (or build that
retreat center, or, etc., etc.)"

Pretend for a moment that I'm your mother, on email, and allow me
to warn you about THOSE kinds of strangers. ;-)

A few days ago I was reminded of this dynamic again, when one of
the current Focus on Marketing™ participants, using his newly-
developed marketing message, started getting some pretty amazing
results saying it to people. One of those results was a
successful entrepreneur who shared his dream, and wanted to
support him in "going big time."

"What should I do?" he asked us in class. "Should I drop all of
this step-by-step-by-step building I'm doing with my business and
just go for the Big Thing?"

If you are even moderately successful in your business, you will,
from time to time, experience Big Opportunities come your way.
Television appearances. Enthusiastic would-be partners with
access to certain markets. The Really Big Contract opportunity.

Question: What do you do?

Answer: Don't be fooled!

Mother Teresa once said, "No one can do great things. You can
only do small things with great love."

Our culture is caught up in "lottery syndrome." The Big Thing
that is going to save you and your business, and catapult you to
instant fame and fortune. Be careful, because these opportunities
have the power to disrupt and distract all of the great
foundational, momentum-building work you've been doing on your
business.

Jim Collins, in his oft-quoted book Good to Great, writes:

"Then it began to dawn on us: There was no miracle moment.
Although it may have looked like a single-stroke breakthrough to
those peering in from the outside, it was anything but that to
people experiencing the transformation from within. Rather, it
was a quiet deliberate process of figuring out what needed to be
done to create the best future results and then simply taking
those steps, one after the other, turn by turn of the flywheel."

In my own business I've had a dozen or two "Big Opportunities"
present themselves, and all of them, without exception, melted
away. Not completely. Many of them did produce results, but not
the kind I dreamed about.

Don't get me wrong. Big Opportunities can create big results for
you. But don't mistake them for a lottery ticket. Generally, they
will produce results that are in line with what your business
already looks like. Be grateful, and keep building on them.

But don't expect a single one on its own to "save" you.

So, what DO you do when a Big Opportunity comes along? Don't
throw it away!

Keys to THOSE Kinds of Strangers

* If the Big Opportunity is about a huge project with other
partners.

Don't abandon the step-by-step process of building your business.
Dream big with your potential partners, and get their support to
build a prototype.

The international 3M best-seller- Masking Tape, of all things-
was developed through a series of $99 purchase orders by the
inventor Dick Drew (it was all he had authority to issue without
management approval), and released in a very limited way in a
test market. When it worked wildly well, and the market demanded
more and more of it, they rolled it out bigger. Then they rolled
it out really big.

Do the same thing- build a small model. If someone wants to help
you build a retreat center, first get them to help you hold a
single retreat at another location, and see if the idea flies. If
your business isn't big enough to hold a retreat, get them to
support you in developing the core principles and activities of
the retreat center, and offer them on a small, local scale and
see if people bite.

The right kind of investors and partners won't scorn you for
thinking small. They'll praise you for thinking practically.
Mistakes made on a small scale can easily be corrected, whereas
mistakes on a large scale may bankrupt you, or destroy your
passion and hope.

* If the Big Opportunity is a media appearance.

Unless it's Oprah, don't expect miracle results. Don't expect
millions of orders, a rush on your website, or overwhelming
response. You will probably be underwhelmed, even with a major
media appearance.

The best way to take advantage of a media appearance is:

- Have something free and very useful and germaine to the topic
available on your website, and secure the opportunity to mention
it as a public service. And, of course, your website visitors get
it only when they give their email address to be on your list.
This way, you can build a relationship with them over time,
step-by-step.

- If it's major media, and you've never done that, find a media
coach immediately, and get some quick coaching on how to deliver
your message in the strangely unnatural and quick-moving
situation of a major media interview.

- Get copies of the appearance, whether in print, radio, or on
screen, and strategize how to use them to help promote your
business for years to come. You'll see the biggest results long
after your appearance, with the repeated use of the materials in
your own promotions.

* Remember Mother Teresa.

Keep love in your heart. Your business is about helping people,
and is going to be around a long time. Don't let the Big
Opportunities obscure your vision of Great Love, and know that
you are in this for the long haul, and you don't need a lottery
ticket to be successful. Know that bigger and bigger
opportunities will come your way organically as your business
naturally grows.


My very best to you and your business,

Mark Silver



---------------------------------------------------------------------
Mark Silver is the author of Unveiling the Heart of Your
Business: How Money, Marketing and Sales can Deepen Your Heart,
Heal the World, and Still Add to Your Bottom Line. He has helped
hundreds of people in small business succeed without losing
their heart, through integrating1500 years of spiritual
tradition with down-to-earth business practices. Get three free
chapters of the book online: http://www.heartofbusiness.com


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How to Pay Less and get More: Discount Broker vs Professional Management Fees

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How do you invest? What do you really pay? At the end of the day,
what are your real results? These are questions smart investors
should be asking themselves (but usually don't).


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How to Pay Less and get More: Discount Broker vs Professional Management Fees
Copyright © 2006 Ulli G. Niemann
Successful Investment
http://www.successful-investment.com



How do you invest? What do you really pay? At the end of the day,
what are your real results? These are questions smart investors
should be asking themselves (but usually don't). In this era of
more fees, misc. charges, holding periods and back end
redemptions, even at discount brokers, how are you really making
out?

Working with a new client brought this all to my attention. I
know what I found may not apply to everyone; however it will
apply to many and very likely apply to you.

I need to preface this by saying that, unlike the majority of
registered investment advisors, I have built my practice over the
past 15 years by dealing with "small" investors. Many of them are
first timers because my minimum account size is only $5,000.

I targeted this group because I enjoy the educational part of my
business. A happy side benefit has been that by providing million
dollar service to these so called "small" investors, they
naturally refer me to parents, relatives, friends and business
associates, often with considerably more assets than the original
client. What a happy consequence.

Having set the stage, here's what happened with my new client who
we will call John. John was 26, newly married with a one year old
son. His wife was taking care of the child and John had a good
full time job. After selling his house in California and moving
to Florida he had $6,000 left for starting a long-term investment
program.

Though he had been reading my newsletter for about a year, John
decided to manage his 401k on his own. It was a noble effort but
provided less than desirable results.

He then attempted to set up a brokerage account at a major
discount broker. With his $6,000 he was told that the quarterly
fee would be $45, and, of course, if he sold any mutual fund
within the first 180 days, there would be an early redemption
fee.

$45 per quarter would be equal to an annual fee of 3% of his
starting balance. John called me somewhat frustrated and said
that he'd be willing to set up an account with me, but how would
it make sense if in addition he'd have to pay my advisory
management fee?

That was a good question because it certainly doesn't make sense
to have an account in any type of market environment and pay
about 6% in fixed annual fees.

However, what John didn't know was that if you have an account
with a registered investment advisor who is affiliated with
custodial broker, the fee structure changes.

What did that mean to him? It meant that I opened the account for
him as a new client. He now has no annual fees, other than my
management fee, and his 180 day holding period for mutual funds
is reduced to 90 days, minimizing, if not eliminating, the
likelihood of an early redemption fee.

The net result was that he would receive the benefit of my
experience—which he already trusted based on my track record of
pulling clients out of the market in October 2000—and it would
cost him no more, and likely less, than his discount brokerage
account.

Needless to say, John was very relieved. In essence, he traded
broker garbage fees for professional management at no additional
cost to him.

And, since he itemizes his deductions on his tax return, all fees
paid are tax deductible, which is just an added bonus to factor
into the equation.

It turned out to be an all around win-win situation for John. I
encourage you to review your situation and see if what looks like
a discount in fees is actually costing you a premium.

© Ulli G. Niemann




---------------------------------------------------------------------
Ulli Niemann is an investment advisor and has been writing
about objective, methodical approaches to investing for over
10 years. He eluded the bear market of 2000 and has helped
countless people make better investment decisions. To find
out more about his approach and his FREE Newsletter, please
visit: http://www.successful-investment.com.


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Put Your Best Face Forward

Article Description:
====================
Blink--a recent book by Malcolm Gladwell--cites research to
support the concept that a person's face can do more than mirror
the individual's mood. . .it can create a mood for that
individual.


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Put Your Best Face Forward
Copyright © 2006 Bill Lampton Ph.D.
Championship Communication
http://www.ChampionshipCommunication.com/



Blink--a recent book by Malcolm Gladwell--cites research to
support the concept that a person's face can do more than mirror
the individual's mood. . .it can create a mood for that
individual.  That is, if you start your day with a defeated look,
before long you will become downhearted, even angry.  This, of
course, reverses the most commonly accepted thought pattern, that
the mood comes first, then the facial response.  The moral: Set
the tone for your day with a happy, confident face, and good
things are likely to follow.

Well, if our facial expressions impact us that much, how much
does our countenance impact others? Plenty, as you know. How we
look to people shapes the impression we convey. Example: When I
speak or direct a seminar, within a couple of minutes I can
identify audience members who are highly interested and
supportive, along with those who appear bored, distracted,
confused, and sometimes hostile.  You can do the same in
conversations and in business meetings.  Sure, once in awhile we
will misinterpret the way someone looks. Yet our guess will be
accurate most of the time.

Here is a classic case of a man who felt misinterpreted:  Though
he was highly successful and prominent in his community, what
struck most people was his very dour-almost sour-expression.  He
confided to a friend: "You know, people consider me glum and
unfriendly.  They think I'm a scowler.  I try to assure them I
don't mean anything by my demeanor, because I'm not aware of a
sullen expression. Even my mother used to tell me I needed to
work on the perception I'm creating."

Remember that the face includes the eyes.  Cicero said it well:
"The eyes are windows to the soul."  Look away from someone while
you are reporting on a work assignment, and your shifty eyes
might suggest you are hiding something.  Blink excessively, and
you could appear insecure. Close your eyes even for a short
instant, and they will think you are ignoring them, or-even
worse-drifting off to sleep.

More positively, maintain steady eye contact to reflect poise and
credibility.  Notice how many people remove their glasses when
they want to impress you while they talk.  They want no barrier
between you and their eyes.

Beware of frowning.  When you are making a sales call, a frown
indicates to your prospect that you don't feel good about the
course of the presentation. You create discomfort for both of
you, and lose the likelihood of making a sale.  When your
supervisor tells you about a new approach for operating the
department, your frown could suggest your unwillingness to
consider the change.

The most pleasing look: One that fits the tone of the meeting or
conversation, and reinforces your message. Johnny Carson and Bob
Hope mastered the art of smiling and beaming at the appropriate
time.  They could milk more laughter out of a joke, even a
botched joke, than other comedians could because of their
reinforcing facial expressions.

Similarly, the best photographs taken of athletes in the most
intense moments of a game showcase their faces, which mirror
determination, confidence, exertion, exhaustion, disappointment
and resilience. Golfer Tiger Woods has attracted millions of fans
by his wide range of grimaces, grins and concentration-just as
Arnold Palmer did during the 1960s.

From an opposite viewpoint, we dislike the speaker who smiles or
smirks when talking about life and death matters.  When you break
bad news, you need a solemn face that matches the message.

The next time you're in a social setting, pay special attention
to the people around you. I'll bet the ones you will want to meet
are the men and women with animated, cheerful expressions.
Likewise, people will consider you attractive, even think of you
as a leader, when you smile, nod in agreement and give other
signs of warmth and openness.

When I coach executives and other professionals, we videotape our
simulated conversations.  The taping and the critique that follow
pinpoint what my clients need to improve in their demeanor. Once
we have discussed problem areas, we videotape follow up
conversations, to see what improvements we can foster.

So, while you work diligently on the content of an interview,
sales call, meeting agenda and speech, remember to "put your best
face forward."




---------------------------------------------------------------------
Bill Lampton, Ph.D., helps organizations strengthen their
communication, customer service, motivation and sales,
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client list includes the Ritz-Carlton Cancun, CenturyTel, the
University of Georgia Athletic Association, the Missouri Bar
and Celebrity Cruises.  He wrote the book The Complete
Communicator: Change Your Communication, Change Your Life!
Also, he has written articles for The Rotarian, Competitive
Edge and the Atlanta Business Chronicle. Visit his Web site
and sign up for his complimentary monthly e-mail newsletter:
http://www.ChampionshipCommunication.com  To schedule him
for your events, call 770-534-3425 or 800-39300114.
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Powerful Strategies Build Results

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Creating a powerful work place that is focused and intent on
success is one of the biggest challenges business owners face.
What is a powerful workplace?


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Powerful Strategies Build Results
Copyright © 2006 Donna Price
Compass Rose Consulting, LLC
http://www.compassroseconsulting.com



Are you working in your power?

Creating a powerful work place that is focused and intent on
success is one of the biggest challenges business owners face.
What is a powerful workplace? Powerful workplaces are focused,
strategic, and intentional. Owners and staff are action oriented
in ways that move the business. They do not waste time on
activities that are not focused on the success of the company.

Well, how do you do that?  First, is to create an intentional
strategic plan that is focused on your company's success in all
areas.  It is Important to include the entire team in the
planning session.  Take time to hear what is working well, and
celebrate it.  Then spend time, hearing what isn't working so
well.  It is important to be open to this step. This isn't a time
to dwell on what's not right, just to get it out there. There is
vital information in both what works well and what doesn't work
well.  That vital information is the wisdom of those closer to
the day to day workings of the company.  Is it possible that the
greatest solutions could come from unexpected places?  Most
definitely.  Staffs on the front line see both the problem and
have ideas about the solutions.

After you have gathered this vital information look at what gets
in the way of the team's success or the company's success. Often
we have created our own road blocks. Sometimes they are in terms
of systems (that we created), often they are rules (that, we also
created), and sometimes it is in how we think individually or as
a team.  This is a hard step, because it takes deep thinking and
honest reflection.  Teams can be scared of doing this work, but
it is very important to moving the company forward.

Once you have identified how the team is in "their own way" of
success you can create a new attitude or approach to success.  We
recommend doing this in a positive statement that points to an
exciting future.

Now, you are ready to develop the strategies for moving there.
Write your strategies in the form of measurable goals.  Things
you can really count, so that you can track your success.  A goal
such as "improving the company" is too vague.  Instead write,
"increase revenue by 25%".  That is measurable. Limit your
strategic goals to ten.  This enables you and your team to stay
very focused.  If they come up with 100 find the top ten.

After goals are established you begin working with intention.
Each day staff and leaders should be working to achieve the
strategic plan. If your operations involve tasks that aren't
focused on these strategies evaluate whether outsourcing these
tasks would improve your results with the increased time to focus
on implementation. Or are there other ways you improve the focus
of the team?

Maintain implementation.  After a strategy session, everyone is
often excited and enthusiastic, but quickly the day to day
operations interrupt your focus. Schedule at least monthly
strategy review meetings.  Don't bring other agenda items to the
meeting.  These meetings are solely for reporting on the
strategies and scoring them.  Each person that has taken
responsibility for a strategic objective comes to the meeting
prepared to report on the results that have occurred.  This
reporting is in terms of numbers. The strategy was achieved at
___%, giving you a clear picture of where you are. This group
accountability is powerful.  It creates a culture of performance,
a focus on success and achievement.

By operating with focus and intention on strategy you can build
your business success week by week, month by month.



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Donna Price, President of Compass Rose Consulting, LLC, works
with business leaders and owners to build their teams and
businesses to greater levels of success. Join our tele-seminar
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Four Reasons Why The Smaller Search Engines Matter

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There are actually four reasons why you would want to extend your
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Four Reasons Why The Smaller Search Engines Matter
Copyright © 2006 Bill Platt
the Phantom Writers
http://thePhantomWriters.com



These days, all search engine optimization gurus seem to only
talk about Google, as if Google was the only search engine on the
Internet.

Of course, we all know that there really are hundreds of search
engines and directories available to us, and we know that some of
the smaller search engines serve a very tight niche of users.

Honestly, I can understand why there is a lot of press on Google,
because after all, granddaddy Google is the biggest of the big.
We know that millions of people use Google daily for their search
activities, and we know that our websites receive a lot of
traffic from Google.

There are actually four reasons why you would want to extend your
search engine marketing activities beyond Google. I will discuss
each of those reasons here:


REASON #1: Targeted Traffic

Niche content search engines can be a very powerful force in your
marketing arsenal.

For example, suppose you have a website dedicated to helping to
sell real estate. Does it make better sense to list a house for
sale in Google or in one of the many real estate search engines?

Let's face facts. When we look for tightly focused content such
as real estate listings, we generally seek out a search engine
that will serve our search the best. When searching for a new
home, an individual may begin his or her search at Google to find
the real estate search engines, but once the niche search engine
has been found, there is no need or desire to return to
granddaddy Google. The real estate search engine will allow the
individual to search through cities and neighborhoods, prices,
features and pictures, to find just the house they feel might
strike their fancy.

Even in the game of Internet marketing, a niche content search
engine or directory can be a very powerful addition to your
marketing portfolio. It is only a matter of searching out and
locating the niche content search engine or directory that serves
your particular niche the best.


REASON #2: Costs Management

The Big Three have each developed their own pay-per-click search
models. And, because they are the Big Three search engines, they
can also afford to charge advertising rates that permit them to
be among the most profitable enterprises on the Internet.

The perception of pay-per-click pricing at the Big Three is that
the little guy can afford to advertise with them. But with every
Internet marketer on the web trying to compete for the Big Three
search traffic, their five cents per click easily increases to
sixty cents per click, and in some industries, it can climb to
five or fifty dollars per click.

The pay-per-click "auction mentality" really kicks into hyper-
overdrive in some industries. And the Big Three eat it up, as do
their stockholders. Each day, they dance their way to the bank
with your money in tow.

The smaller niche search engines may not serve as much traffic,
but they definitely allow you to reach more people for the same
money. You can reach people who are more inclined to buy your
goods and services, because they were searching on a niche
website, and you can get their traffic for a lot less money than
it would cost you to get the same prospect from any of the Big
Three search engines.


REASON #3: Linking for Google Placement

For those of you who are still involved in the Google PageRank
chase, the smaller search directories can be counted on as a
really valuable asset in your linking portfolio.

Many of the smaller search directories carry some pretty decent
PageRank with them.

For example:

  * Blog-Search.com carries a PR6.
  * Search66.com carries a PR6.
  * GoArticles.com carries a PR6.
  * SearchWarp.com carries a PR5.
  * SitesOnDisplay.com carries a PR5.
  * SearchRamp.com carries a PR5.
  * MixCat.com carries a PR5.
  * TorontoMalls.com carries a PR5.
  * OutdoorHits.com carries a PR4.
  * FindYourForum.com carries a PR4.

As you are already aware, the PageRank of a website that is
pointing to your website plays a role in determining the value of
your own website in the Google PageRank calculations, thereby
increasing your chances of gaining ground in the Google SERP's
(Search Engine Ranking Pages).

Targeted directories pass their PageRank value to the websites
that list with them, which is great for your website.
Additionally, getting placed into these directories is often
cheaper and easier to accomplish, than with any other method of
linking for the purposes of increasing PageRank.


REASON #4: Extra Traffic

Yahoo, MSN, WindSeek.com, ExactSeek.com, and many others are
making changes, improving their results, and trying to position
themselves to compete toe-to-toe with Google or to compete for
searcher's not happy with Google's search product (yes, there are
actually people out there who do not like to use Google). These
non-Google engines are currently serving millions of additional
searches a day or month.

The Big Three: Google, Yahoo and MSN only served 73% of the
Internet's search traffic in July 2005
(http://searchenginewatch.com/reports/article.php/3099931), and
81% of the search traffic in November of 2005
(http://searchenginewatch.com/reports/article.php/2156451). These
percentages are based on a rough estimation of just over 5
billion searches per month.

Even on the November 2005 numbers, search engines that are NOT in
the Big Three are delivering 950 million searches per month. That
is a lot of additional traffic!

If your search engine marketing activities are focused only on
the Big Three, or even worse, only on granddaddy Google, you are
throwing away anywhere from 20% to 53% of your potential customer
base!


Locating The Smaller Search Engines and Directories...

Here are a few resources that can help to find hundreds of the
smaller search engines and directories that may be available to
you:

Independent Search Engine & Directory Network -
http://www.isedn.org/

Yahoo Search Engine & Directory Listings -
http://dir.yahoo.com/Computers_and_Internet/Internet/World_Wide_Web/Searching_th\
e_Web/Search_Engines_and_Directories/

International Directory of Search Engines -
http://www.searchenginecolossus.com/


Small Search Engines and Directories Really Do Matter...

I have just outlined four reasons why the smaller search engines
and niche directories should matter to those of us who market our
goods and services on the Internet. I have also given you a
starting point for locating these excellent search websites.

Sure, it might take a little bit more time to get listed in these
smaller resources, but if you calculate how much time you spend
developing your positioning in the Big Three, then it really is
not that much of a time investment after all.

The smaller directories can help us to improve our Google
PageRank. They can help us to get more mileage from our
advertising dollars, than what we can get from the Big Three.
They allow us to tap into additional sources of targeted traffic
with a real potential for increasing our sales and profits. And,
the best reason to use the smaller search engines and directories
is that they actually serve another 950 million searches a month.



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Making the Big Bet - Investing for Wealth

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Unless you are a full-time investor or otherwise possess a keen
sense for investments, it is likely that you follow the general,
solid investment advice...


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Making the Big Bet - Investing for Wealth
Copyright © 2006 Shri V. Srikanth
Character & Wealth
http://www.characterandwealth.com



Unless you are a full-time investor or otherwise possess a keen
sense for investments, it is likely that you follow the general,
solid investment advice of:

  * Diversify your investments

  * Invest for the long term

One cannot fault that advice, for it takes care of the two big
issues with investing:

1. Risk - which is reduced by diversifying your investments,
    and

2. Time for serious growth - which the long term horizon
    provides


Betting Big

Wealth oriented investors, such as Warren Buffett, however, are
of the opinion that you should put all your eggs in one basket,
and "watch that basket carefully".

Now, that may be possible for a full-time investor like Warren,
but what about the rest of us who have other things to worry
about, like our careers and perhaps a second-income business?
Is there anything that we can learn from the advice?

There is an essential truth about investing that Warren Buffett
points to, and that other wealth oriented investors have
indicated, and that is:

"In order to become seriously rich through investing, you have
to bet big".

For example, if you invest $10,000 in a single investment that
grows 10 X (i.e. multiplies in value by 10), you will have
$100,000 at the end of the stock's bull run. If you however,
spread that investment across 5 stocks at $2000 each, your
portfolio may end up looking something like:

  * Investment 1 (The Star Investment) : $2000 X 10 = $20,000

  * Investment 2 (Good Investment) : $2000 X 2 = $4000

  * Investment 3 (Barely There) : $2000 X 1.05 = $2100

  * Investment 4 (Small Loss) : $2000 X .95 = $1900

  * Investment 5 (large loss/cut early) : $2000 X 0.8 = $1600

Total Value: $29,600

The difference - a whopping $81,400!

All this is assuming of course that you employ good discipline
and keep your losses small and let your winners run.

At the end of this run, you are now operating either from a base
of $100,000 or a base of $29,600. The difference is obvious and
will only compound over time. The million dollar mark is well
within the reach of the $100,000 net-worth person, while the
$29,600 person has to find several solid investments to get
there.

But hasn't the risk for the single investment person increased
dramatically?

Truth is, risk increases in proportion to the investor's level of
ignorance about an investment, as opposed to the nature of the
investment. True wealth investors are far more conservative, and
build in a far larger margin of safety into their investments
than those who invest without understanding.

"Watching the nest egg carefully" implies knowing your investment
very well - and knowing when to hold and when to fold. In such
circumstances, the single investment is not risky anymore.


Finding The Great Investments - With Help

There is help out there for finding great investments - use it.

One of the best forms of help is with expert investment
newsletters, where the editors help you find investments that are
frequently likely to double or more, and in some cases, have the
"home-run" quality of multiplying by a factor of ten.

Sure, no one is right all the time, but if you follow the careful
discipline of cutting your losses and letting your winners run,
then overall, you will be far ahead of the field. And what's
more, solid ideas will be fed to you in a steady stream on an
ongoing basis - pointing you towards one bull market after the
next - often getting you in on the ground floor.

A second fertile source is solid financial advisors. Note that
any financial advisor can put you in ordinary mutual funds
(especially into those from where they get their commission), but
it is the rare advisor (and they are out there) who will put you
into areas where your returns are much higher and which they
themselves understand very well.

Both of these sources are a short-cut to getting great investment
ideas to allow you to invest for wealth.


Maximizing Returns

Two simple concepts will help you maximize your returns through
these great investment ideas:

  * Set Target Allocation for each of your investments, building
    towards your target as the stock story begins to work in your
    favor

  * Cut your losses, and let your winners run

The first concept simply says that before you buy any stock, you
should know how much money you want to actually allocate to that
investment. Then begin purchasing shares with 25% to 50% of that
final target amount. As the stock begins to rise in value in
accordance with your expectations (this is called market
validation - and is the only validation that counts), you buy
more shares and build to your final position.

The second concept says that if a stock is not working in your
favor, cut it loose. You can always purchase it later if it seems
like the original story will eventually work out - but more than
likely, you missed something that the market is seeing. On the
flip side, when a stock is performing well, it means your story
is working out. Let it run - this is where the big money will be
made.

A final third concept that can be added to the above is:

  * Sell all the way to the top

That is, as the stock doubles, and triples - begin pulling your
initial investment out, and then some of the profits, and then
some more. Once your initial investment has been recovered, you
are only playing with "house money". Continue following the stock
and on further rise, start taking some of the profits off the
table.

Of course, make sure that you have some investment in that stock
remaining as it enters its final run. This is where a lot of the
profit is actually made - but the markets are always tricky and
you may not have that final blow off. Consider yourself lucky if
you can get out of an investment within 20% of its eventual peak
(known only in hindsight). But well before your investment
reaches its final run, you should have gotten substantial profits
off of the table and into your kitty.

With this stock run complete, look for a new one, now with your
larger asset base - and repeat!

Done properly, you only need 3-4 good bull runs in different
areas of the economy to build you serious wealth!




---------------------------------------------------------------------
Shri V. Srikanth is co-founder and editor at Character & Wealth,
an online community of career professionals working towards total
financial freedom in under ten years. Get your FREE membership
to this community at http://www.characterandwealth.com


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How To Make Just $200 Per Week Online

Article Description:
====================
One of my ezine subscribers recently wrote me complaining that
many Internet marketing ezines have degenerated into nothing
more than continuous sales pitches.  He went on to explain
that he was a "newbie" - still struggling to have that first
$200 week.  He asked for detailed instructions on how to do just
that.


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Distribution Date and Time: Thu Mar 23 03:50:42 EST 2006

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How To Make Just $200 Per Week Online
Copyright © 2006 Willie Crawford
Blueprint To Internet Marketing Success
http://BlueprintToInternetMarketingSuccess.com



One of my ezine subscribers recently wrote me complaining that
many  Internet marketing ezines have degenerated into nothing
more than continuous sales pitches.  He went on to explain
that he was a "newbie" - still struggling to have that first
$200 week.  He asked for detailed instructions on how to do just
that.

His dilemma is not new, and is not one I'm unfamiliar with.
In-fact, many of the nearly 400 articles that I've personally
written were "attempts" to answer that very question.

The whole key to online success is finding a pressing problem
and filling it.   People go online seeking solutions to painful,
nagging problems, and if you offer those solutions, they will
gladly pay you for your assistance.

Finding these painful, nagging problems just means looking
around you at the problems you, or your regular contacts,
experience (and complain about).  Many of these are very
persistent problems.

Here's an example. I've been online since late-1996.  A problem
I've noticed practically EVERY webmaster complain about, and
seek a solution to, is not enough website traffic.  This has,
and will continue to give rise to countless opportunities.  I
could list a dozen similar problems, but  this one is hard to
argue with.

Back in 2002, I discussed putting together an encyclopedia of
website traffic generation methods with a trusted friend.  I
purchased the domain name, WebsiteTrafficPhD.com and began
compiling a list, and doing research. After a while, I
concluded that the project was bigger than I was ready to
complete at the time.  So I allowed the name to lapse, and
then later renewed it. A few years later, John Reese was up to
the challenge, and produced his monumental Traffic Secrets
Course, which you'll find at
http://TrafficSecretsByJohnReese.com  John sold more than $1
million worth of copies of this course IN A DAY.

Part of John Reese's success with Traffic Secrets was due to the
fact that potential customers were acutely aware of the problem
that the course solved! Ideally, you find and market solutions
to problems that are just as painful... and that they are just
as desperate to  solve.

Many newbies that I see struggling are trying to sell products
for which there's no market.  Others are selling products for
which there is a market, but the market is not very aware that
this is a REAL problem.  This is where I've excelled as an
affiliate marketer, and  where I honestly believe that anyone
can do the same.

MOST of my affiliate sales are driven by simple articles that I
write... like this one.  My "secret formula" that I use in
writing these articles is a classic copywriting one.  It's
called "problem,  agitate, solution.

With this formula, you find a nagging problem that people are
desperately looking for solutions to.  Then you find a great
solution. Next, you write articles that explain the problem. You
go on to explain why the problem is "severe" enough that the
reader really does want to solve it. Then, finally you explain
why the product you are marketing is THE perfect solution.  In
the article you are educating your reader, the reader
appreciates you helping them locate a solution, and they act
upon your recommendation.

Many online marketers approach the above all wrong. They come up
with a product idea, create the product, and then seek a market.
Often, only they think that the product solves a really painful
problem.  Most of their potential customers do not see the
problem, or don't see it as very painful, so the product
flounders.  That's why you need to locate really severe problems
that your market is already aware of!

The final part of this very simple formula is getting your
articles in circulation.  You need ezine publishers, and
frequently trafficked websites, to run your articles, and give
you free exposure.

For the article distribution, you have three basic choices, and
I've used all three. You can manually submit your articles to
sites and ezines that you locate through research.  You can use
article distribution services, or you can use software.  I
currently use the last two options.  I don't use option number
one because it is too time consuming for the return-on-
investment that I get.

There are three article distribution services that I have used
and recommend. They are:
http://EzineTrendz.com
http://SubmitYourArticle.com
http://ThePhantomWriters.com

All three of the above services will take your article and
submit it to their database of appropriate places.  Since they
take the time to maintain their databases, and to review the
quality of articles submitted, using them is very cost
effective.

I also use a piece of software called Article Submitter
Pro.  It "semi-automates" the process of submitting your
articles to over 760 places.  The process is not fully automated
because many of the article directories and ezines that you can
submit to do have unique requirements.  You do need to take the
time to make sure that you are properly submitting to them, and
not just bombarding them with what amounts to unwelcome spam.

Properly submitting ensures that MANY more places run your
articles.

My subscription to Article Submitter Pro and the training to
properly use it is included in my membership in a site called
Content Propulsion Lab.  This is a site where I help teach
members how to properly develop and distribute their content
for maximum results.  We teach using not just articles though -
we also cover audio, video, and other content formats.

You can read more about Content Propulsion Lab at:
http://CashThroughContent.com

I've just laid out EXACTLY what I've done for years to
generate not just $200 per week, but up to $11,000 from a single
article that took me 30 minutes to write.  This level of success
with writing articles wasn't overnight. However, I did find
that well-written, informative articles gave me the best "bang
for the buck" right from the very beginning.

Since articles are archived in article directories and ezine
archives, they can generate traffic and sales for you for YEARS
to come.  That makes taking the time to research and polish them
very worthwhile.  Since there are so many low quality articles
being produced, it's really not very hard to stand out in the
crowd and actually have ezine publishers coming to you asking
for more of your work that they can publish.

There you have it!  Remember though, it is essential that
you identify that really nagging, painful problem that you
are going to solve first. Also remember that the market should
already be acutely aware of the problem.



---------------------------------------------------------------------
Willie Crawford serves as a consultant, mentor, and confidant
to some of Internet marketing's top income earners. You can
tap into his 9 years of online  experience and million-dollar,
success-creating advice in his critically acclaimed special
report at:   http://BlueprintToInternetMarketingSuccess.com


--- END ARTICLE ---



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Article Title:
==============
You Would Be Absolutely Crazy Not to Start Your Own Record Label... Or Would You
Be?

Article Description:
====================
A business that produces and releasing original music CDs is
called a record label. Many artists dream about having their
own record label.


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Distribution Date and Time: Thu Mar 23 03:22:43 EST 2006

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You Would Be Absolutely Crazy Not to Start Your Own Record Label... Or Would You
Be?
Copyright © 2006 Ty Cohen
The Ultimate Record Label
http://www.TheUltimateRecordLabel.com/landing_page.htm



A business that produces and releasing original music CDs is
called a record label. Many artists dream about having their
<a
href=http://www.theultimaterecordlabel.com/>own record label</a>. In reality if
you have produced and released
your own music CD, you have for all intents and purposes created
your own record label. However, there are some additional steps
to becoming an "official" record label recognized in the music
industry.

Many of today's better-known labels were started by artists who
just wanted to release their own music to the public. Everyone in
the music business has heard Heb Alpert's story. He started A&M
records with $500 and a dream. You can do the same thing. Start
out small by creating your own music and then releasing it the
public. Later after you are successful with your own stuff, you
can sign on other artists.


Actually Starting Your Own Record Label

The following are the steps necessary to make your label
"official":

Decide on a business model - I like to decide what form of
business first because it will be important when you actually
choose your business name. The three most common forms of
business are the sole proprietorship, partnership and
corporation.

A sole proprietorship is the simplest form of business. It has
one owner who provides all of the startup capital takes all of
the risks and owns all of the profits or losses. You must keep
records of sales and expenses and file a schedule C for the
business as part of your personal income tax return each year.

A partnership has more than one owner. Each partner provides a
portion of the startup capital and shares the risks and the
profits and losses. Never start a partnership without first
drawing up a partnership agreement that spells out exactly what
each individual's duties, responsibilities and share of the
profits are. Partnerships must file a information return to the
IRS and provide each partner with a schedule K to attach to their
personal income tax return each year.

A corporation is a legal entity that can own property, sign
contracts and be sued. A corporation also files an income tax
return pays its own income taxes. The corporation shields the
owners from risking all of their personal property while
conducting business.

Each form of business has a different registration process and
different filing fees.

If you are just starting out, a sole proprietorship or
partnership is probably the best choice unless you already have
significant personal assets that need protecting. Talk to a
lawyer if you are not sure.

Select a Name - Once you decide on your business form, it's time
to pick your business name. This can be a lot of fun but takes
some serious thought. You will have to live with the name for a
long time. Try to come up with three or four names that seem to
fit your style and reflect what you are all about.. Next list
them in order starting with the one you like best.

Register the Name - There is a good reason for choosing several
names. You cannot legally use the same name as another business.
So, now you need to go to your state or county government office
and register your business. If you are lucky, the first name on
your list will be available. If not, try the next one on the list
until you either find one that is available of run out of names.

You will need to fill out all of the necessary forms for the
business form you selected. The most important one is the "Doing
Business As" form. This registers your business name and allows
you to start a business bank account, get a business credit card,
etc.

Buy a License - You will need to get a business license if it is
required by your local or state governmental agency. Laws vary so
always check to see what is required.

Sales Tax Number - Like a business license, this may or may not
be required. Sales tax laws can be complex. Check with your local
government agency to see what is required where you live.

Basically, that's all there is to starting your own record label.
How much will it cost? It varies but should cost anywhere between
$50 and $500 dollars for the various filing fees. A sole
proprietorship is the cheapest and a corporation the most
expensive.


The Benefits of Starting Your Own Record Label

Congratulations! You are now the proud owner of your own record
label.  Some of the advantages you now have are:

A unique identity – this is also called a brand name. It gives
you a more professional appearance and helps you establish the
necessary business contacts to promote your music.

Business Bank account – this will allow you to accept checks and
for an additional fee, you can set up a merchant account and
accept credit cards as well. An individual cannot accept credit
cards.

Registered business – you can now produce other artists' works
under your label.

Enter into contracts – your business can now enter into contracts
to lease equipments, hire a hall, etc.

Join industry organizations – you may want to join one of the
publishers' organizations like the ASCAP or BMI to learn how to
protect the copyrights and royalties for your label.


Some Final Things to Do

Logo – design and copyright a logo for your label. The easiest
way to do that is to publish your new on a website with the
proper copyright notices.

Set up a Website – you really need to do this to promote your
label.

Stationary – get business cards and stationary printed up.

Now, go forth and promote your new record label.




---------------------------------------------------------------------
Ty Cohen is the acclaimed author of over a dozen
best-selling music industry "How to" books and courses.
Grab a copy of Ty Cohen's latest book title by visiting
http://www.MusicBooksByTy.com and to learn more about
starting or turning your existing record label into a
world wide, profit pulling record label visit:
http://www.TheUltimateRecordLabel.com/landing_page.htm
Start A Record Label Today!


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Article Title:
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What You Really Need To Retire

Article Description:
====================
After reading many articles about retirement, I have come to
the conclusion that most of the financial advice addressed to
consumers is bad advice.


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655 Words; formatted to 65 Characters per Line
Distribution Date and Time: Wed Mar 22 22:16:42 EST 2006

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Copyright:      2006
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What You Really Need To Retire
Copyright © 2006 Kalinda Rose Stevenson
No Money Limits
http://www.nomoneylimits.com



After reading many articles about retirement, I have come to
the conclusion that most of the financial advice addressed to
consumers is bad advice. From the perspective of conventional
wisdom, the advice makes sense. The problem is that conventional
wisdom is not very wise because it is based on a limited
understanding of money.

The essence of much financial advice about retirement is that
people have not saved enough money. Experts warn that prices will
go up and up. You will probably need more for medical expenses
as you age. And worst of all, you might live 20-30 years after
retirement at age 65 and will probably outlive your money.

Retirement articles usually explain all the ways you can
calculate how much money you will need, what costs will go up and
what costs might go down. (They assume that you will pay off your
mortgage.)  They also assume that your own sources of money will
be retirement funds, pensions, and Social Security.

Every single one of these money fears is based on a single
assumption. After you retire from your job, you won't earn any
more money. This is one of the biggest money limitations
imaginable.

You must anticipate an uncertain future in which the money
available to you is limited by the amount of money you amassed
in your earning years.

A related assumption is that the amount of money you have
available to you in retirement also depends on the decisions of
other people. Other people will decide whether or not you still
have a pension, whether or not you still have Social Security
payments, the amount of interest you earn on your "safe" savings
accounts and CDs, and the returns on your mutual funds.

Such financial advice is based on fear. Your only security is to
amass as much money as you can while you are still earning an
income, and then use it very carefully before it is all gone. You
really can't depend on these other sources of additional income.
In other words, you are essentially powerless to increase your
wealth after you retire from your job.

There is another way to approach retirement planning based on a
different assumption. The fact that you retire from a job does
not mean that you retire from the capacity to make money. The
fundamental difference is that you continue to make money in
retirement and that you take an active role in creating new
money.

Fundamentally, it comes down to the difference between earning
money and making money.

"Making money" is not the same as "earning money."  Making money
is a skill that very few of us ever learned as wage and salary
earners. When you "make money," you increase the amount of money
available by selling something at a profit, not because you get
more in your pension or Social Security or from the pitiful
interest that the bank might pay you on your savings or CDs.

We live in an entrepreneurial age. People who have businesses
understand that money is not only a commodity to be earned and
then used up. Money is also a product you can create.

There are so many ways that people retired from their jobs can
create more money. They can produce products, invest in real
estate, trade Forex currencies, trade in the stock market, write
books, do consulting and coaching, as well as a thousand other
methods to make money.

When you know the difference between making money and earning
money, you won't have to fear a future limited the amount of
money you already have in savings accounts, IRAs, and pensions.
And you don't have worry about outliving your money. It all comes
down to knowing how to create money. You will either face a
future of money limits or you will understand that you can
continue to make money during all of those wonderful 20-30 years
you live past your job.




---------------------------------------------------------------------
Kalinda Rose Stevenson, Ph.D.
Author of "No Money Limits For Real Estate Investors:
Discover The Money-Making Secret In The Monopoly Game
That Will Turn Your Money Struggles Into Money Abundance"
http://www.nomoneylimits.com
kalinda@...


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   the paragraph breaks fall, but you cannot eliminate all
   paragraph breaks as some have chosen to do.

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Article Title:
==============
The Wonders and Horrors of Compounding

Article Description:
====================
If you're reading this because you're interested in what I have
to say about Google (GOOG), you can stop now. I'm not going to
say anything interesting about Google. Rather, I'm going to say
something (that I hope is) very interesting about the wonders of
compounding.


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The Wonders and Horrors of Compounding
Copyright © 2006 Geoff Gannon
Gannon On Investing
http://www.gannononinvesting.com/



Google Price Target: $16,578.90

Some of you will immediately recognize this headline is a joke.
For the rest of you, I was kind of hoping the ninety cents part
would give it away.

If you're reading this because you're interested in what I have
to say about Google (GOOG), you can stop now. I'm not going to
say anything interesting about Google. Rather, I'm going to say
something (that I hope is) very interesting about the wonders of
compounding.

Warren Buffett's annual letter to shareholders was released on
Saturday. For now, I'm just going to pull out one little nugget:
"Between December 31, 1899 and December 31, 1999, to give a
really long-term example, the Dow rose from 66 to 11,497 (Guess
what annual growth rate is required to produce this result; the
surprising answer is at the end of this section.)"

I knew what Warren was up to, and had some idea of the historical
growth rate for the Dow, so I guessed 6%.

"Here's the answer to the question posted at the beginning of
this section: To get very specific the Dow increased from 65.73
to 11,497.12 in the 20th century, and that amounts to a gain of
5.3% compounded annually. (Investors would also have received
dividends, of course). To achieve an equal rate of gain in the
21st century, the Dow will have to rise by December 31, 2099 to
– brace yourself – precisely 2,011,011.23. But I'm willing to
settle for 2,000,000; six years into this century, the Dow has
gained not at all."

I wish I could tell you that my guess was close. But, it wasn't
even in the right ballpark. The difference between a 5.3% annual
gain and a 6% annual gain may look relatively small. In fact, the
difference is not small. If, during the 20th century, the Dow had
achieved a gain of 6% compounded annually rather than a gain of
5.3% compounded annually, on the eve of Y2K, the index would have
been sitting at 22,302.33.

The rallying cry of the bubble years would have been Dow 20,000.
And what of Dow 10,000? The index would have added its fifth
figure in 1987. That's right, if the Dow had achieved a gain of
6% compounded annually during the 20th century, the index would
have broken the 10,000 mark while the Berlin Wall was still
standing.

Over a century, that extra 0.7% really adds up. I recently wrote
an email to a member of my family who had just had her first
child. You would think that blathering on as I do here each day,
I would have a sea of investing advice to offer. In fact, I
provided only a single drop: Time trumps money.

If you want to have more money than you will ever need, your best
bet is to find a few places where you can deploy large sums of
money that will earn good returns for a great many years, and
will not require you to share any of the spoils with Uncle Sam
until you are done accumulating said spoils. To do this, you
will have to own a business either in part or in whole. I'm an
investor, not an entrepreneur; so, let's stick to the economics
of becoming part owner of a business.

It's time to discuss Google. I have a price target of $16,578.90
on Google. Does that sound reasonable? No. Well, I may have
forgotten to mention this is a 50-year price target? So, does it
sound reasonable now?

Don't answer. First, we need to see what it would take for
Google's share price to reach $16,578.90. Last I checked, each
share of Google had a book value of $31.87. Everyone says
Google's a great business. They may be right. But, I like all my
surprises to be of the pleasant variety. So, I'm going to start
by chucking the idea of Google being an extraordinary business.
For now, let's just call it average.

Who would want stock options in an average business? Let's
pretend no one would. Since there's no downside, I think everyone
would; but, let's just ignore that inconvenient fact. We're going
to pretend Google won't be diluting its shares at all. For the
next fifty years, there will be no new shares and no stock
splits.

As a public company, Google has earned an above average return on
equity. It hasn't been an earth shattering return on equity (it's
no Timberland), but it's been better than most. Of course, with
Google, you're not paying up for the current return on equity –
you're paying up for all the ridiculously profitable growth to
come. I'm willing to meet the Google bulls halfway on this one.
I'll give you growth, but no unusual profitability. You're going
to get a 12% return on equity, but there will be no limit to your
growth. In my model, Google can literally conquer the world.

With something like $9 billion in equity to start with, a 12%
return on equity, and the reinvestment of all earnings in the
business, Google would get awfully big.

Don't believe me? I know a 12% return on equity looks
ridiculously low, but watch what happens. In 2056, Google will be
a $312 billion company. Of course, the big question is: do I mean
market cap or revenue?

I mean profits! At a P/E of 15, Google would have a market cap of
$4.68 trillion. Yes, with a "t". That same Google share that was
quoted on Friday at $378.18 would be worth $16,578.90. Google's
EPS would be $1,105.26. You read that last part right. Each
Google share would be earning three times its current (lofty)
price.

So, what's the catch? There are two problems with this scenario.
One, in 2056, it's more likely Britney Spears and Kevin Federline
will be celebrating 50+ years of marital bliss together than it
is that Larry Page and Sergey Brin will be celebrating 50+ years
of 100% retained earnings at Google. For that matter, I'd say
it's more likely Larry Page and Sergey Brin will be celebrating
50 years of marital bliss together in 2056 – which is to say it
isn't very likely Google will be able to retain all of its
earnings for the next half century (unless you know something
about Larry and Sergey that I don't).

The second problem is much less amusing. You see, if on Monday,
you were to shell out the $378.18 for a share of Google, when
the stock reached $16,578.90 in 2056, you'd be able to brag to
Britney and K-Fed about your annual compound gain of... drum
roll please... 7.85%. And that's before taxes and inflation.

Google would have a $4.68 trillion empire, and you'd have an
annual return of 7.85% - how can that be?

Time turns molehills into mountains and mountains into molehills.
In the very long-term, growth that only earns ordinary profits
leads to stocks that only yield ordinary gains.

But, isn't Google's (lofty) price the problem? It's part of the
problem.


However, it's probably a smaller part than you think. Right now,
Google is trading at about twelve times book. What would your
return be if you bought Google at book value? 13.32%. That's a
good return (fifty years from now, it'll probably be considered a
great return). Still, it's somewhat unsatisfying. I mean, if you
had the prescience to buy a $4.68 trillion behemoth when it was
just a $10 billion company (remember, you're paying book this
time) all you'd get for your trouble is 13.32%.


Think of it this way. At $31.87 a share, 85% of your purchase
price would be backed by cold, hard cash and you'd be buying a
stock with a P/E of 6.3. A P/E of 6.3 is insanely cheap. So, why
would buying a stock trading at a P/E of 6.3 and growing earnings
per share at 11.4% a year for fifty years only yield a 13.32%
return? Where are the insane gains?

Return on equity is the puppet master here. Take another look at
the numbers. They're doing something strange; they're converging.
Everything is getting closer and closer to 12%. Why? Because
that's your destiny. If you buy a business that earns 12% a year
and you hold it long enough, guess where your returns are headed?

Here's one last excerpt from Buffett's letter. He's writing about
all businesses, but a long-term holding in a single business
works in much the same way:

"True, by buying and selling that is clever or lucky, investor
A may take more than his share of the pie at the expense of
investor B. And, yes, all investors feel richer when stocks soar.
But an owner can exit only by having someone take his place. If
one investor sells high, another must buy high. For owners as a
whole, there is simply no magic – no shower of money from outer
space – that will enable them to extract wealth from their
companies beyond that created by the companies themselves."

It is now obvious I picked Google just to get your attention.
Google may very well earn a return on equity much greater than
12% for the next fifty years. It has already earned
"extraordinary profits".

Even if it does grow at a phenomenal rate, it will, during the
next half century, likely shed excess equity by paying dividends,
buying back stock, or transforming itself into a holding company.
I don't see a way the company could possibly put more than $2.5
trillion in equity to good use in search and related businesses.
In nominal terms, that's well more than California's GSP (Gross
State Product). In 2006 dollars, it would still be something like
$600 billion. Armies have been raised for less. So, if Google
really does want to conquer the world, it could just try doing it
the old fashioned way.

I will attempt to provide some semblance of sobriety by letting
Ovid express in three words what has taken me more than sixteen
hundred.

TEMPUS EDAX RERUM



---------------------------------------------------------------------
Geoff Gannon is a full time investment writer. He writes
a (print) quarterly investment newsletter and a daily value
investing blog. He also produces a twice weekly (half hour)
value investing podcast at: http://www.gannononinvesting.com


--- END ARTICLE ---



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Article Title:
==============
Why Return on Assets is the Hit by Pitch of Investing

Article Description:
====================
Despite all appearances to the contrary, this is an article about
investing – not baseball. So, to those of you who love reading
about investing but hate reading about baseball: don't be
deterred. It's worth reading all the way through.


Additional Article Information:
===============================
1253 Words; formatted to 65 Characters per Line
Distribution Date and Time: Wed Mar  8 15:00:25 EST 2006

Written By:     Geoff Gannon
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Why Return on Assets is the Hit by Pitch of Investing
Copyright © 2006 Geoff Gannon
Gannon On Investing
http://www.gannononinvesting.com



Despite all appearances to the contrary, this is an article about
investing – not baseball. So, to those of you who love reading
about investing but hate reading about baseball: don't be
deterred. It's worth reading all the way through.

Return on assets is the hit by pitch of investing. Common sense
suggests it isn't a very important measure. Why would any
investor care about return on assets when return on equity and
return on capital tell you so much more?

You don't have to know a lot about baseball to know that the
number of times a batter is hit by a pitch shouldn't tell you
much about his value to the team. After all, getting hit by a
pitch is a fairly rare occurrence. Even if some players are truly
talented when it comes to getting plunked, they still won't get
hit enough to make a huge difference, right?

That's true. In and of itself, the act of getting hit by a pitch
is not particularly productive. But (and here's where things get
interesting), as a general rule, a simple screen for the batters
who get hit most often will yield a list of good, underrated
players.

Why? The most likely explanation is that a HBP screen returns a
list of players who are similar in other, more important ways.
Perhaps batters who get hit more often also tend to walk, double,
homer, and fly out more often – while grounding into double plays
less often. Even a casual baseball fan might suspect this.

Since this article is about investing rather than baseball,
there's no reason for me to discuss whether such a correlation
really does exist. I'll just provide a list of the top ten active
leaders for HBP: Craig Biggio, Jason Kendall, Fernando Vina,
Carlos Delgado, Larry Walker, Jeff Bagwell, Gary Sheffield,
Damion Easley, Jason Giambi, and Jeff Kent.

After the top ten, the list is no less impressive. #11 – 15 are:
Derek Jeter, Luis Gonzalez, Alex Rodriguez, Matt Lawton, and
Barry Bonds. Since this list is based on career totals for active
players, it's biased towards players who remain in the majors and
who get a lot of plate appearances. That fact alone means the
guys on this list are likely going to be above  average players.
However, even if you look at the single season HBP list, which
includes a few young players (e.g., Jonny Gomes), the guys with
high HBP totals still tend to be extraordinarily productive
offensively.

Simply put, screening for HBP tends to return a much higher
number of “bargain” batters than you'd expect. One explanation
for this is that the good things players with high HBP totals do
tend to be less conspicuous than the good things other players
tend to do.

Might there be a parallel in the world of investing? You bet. So,
again I say -

Return on assets is the hit by pitch of investing.

Return on assets is a good screen for high – quality, low –
profile businesses. A high return on equity does not go unnoticed
for long. Sometimes, a high return on assets does. Jakks Pacific
(JAKK) is one good example of a high ROA stock. Its returns have
basically been what you'd expect from a toy company. That may not
sound like great news to owners of Jakks; but, it is.

Jakks sells at a price – to – earnings ratio of about 12 and
a price – to – sales ratio of about 1. The company has grown
quickly. Over the past five years, revenue has grown at an annual
rate of about 25%. Shareholders haven't enjoyed the full benefits
of that growth, because of share dilution – but, that's something
best left to a longer discussion of Jakks. The point here is
simple.

Jakks may not be anything special as a toy company, but it is a
toy company. Jakks' past return on assets proves that simply
being a toy company is something special. Jakks' "normal" ROA of
around 5 – 12% may be nothing extraordinary in the toy business;
but, it is far more than what most businesses earn. If there will
be any future growth at Jakks, the current P/E of 12 will be
shown to have been utterly ridiculous.

If you screen for high returns on equity, you might have missed
Jakks. But, if you screen for high returns on assets, you'd have
caught this apparent bargain. By the way, I believe Joel
Greenblatt's magic formula would have lead you to Jakks as well.

Village Supermarket (VLGEA) is another stock that has often
earned a good return on assets, but has failed to ever earn a
high enough return on equity to get much attention. This business
is not as cheap as it once was; but, it isn't exactly expensive
at these prices either. For at least five years now, Village has
looked quite clearly like it should be valued as a mediocre
business. That's saying something, because the market has
continually valued VLGEA as a sub – par business; which it isn't.

In 2000, you could have bought VLGEA at a 50% discount to book
value. In 2001, the average buyer still obtained shares at a
greater than 25% discount to book value. By then, anyone who had
been monitoring Village's return on assets for the previous five
years would have known the stock was cheap.

For the last ten years, Village's return on equity has been
nothing more than average; however, the performance of the stock
has been anything but average. An investor with one eye on
Village's price – to – book ratio and the other eye on Village's
return on assets would have enjoyed the decade long climb without
breaking a sweat.

Another one of my favorite high ROA stocks is CEC Entertainment
(CEC) – better known as Chuck E. Cheese. Recently, the stock has
earned a good return on equity. However, a simple screen based on
ROE would have brought a lot of less than wonderful businesses to
your attention along with Chuck E. Cheese.

Return on assets told a different story. Chuck E. Cheese has
consistently earned an extraordinary return on assets for the
last decade.

Now, it's true that Chuck E. Cheese has earned a very nice return
on equity as well. But, if you're an investor who knows what
normal ROA numbers look like, one look at CEC's return on assets
will blow you away.

Debt can play the role of the fairy godmother. So, an investor
needs to look beyond the veil of current performance. Return on
assets can often provide a glimpse of what the stroke of midnight
will bring. ROA is just one piece of the puzzle. But, it's an
important piece nonetheless.

A high return on assets doesn't guarantee quality. However,
I've found that Mr. Market has usually offered many more small,
growing companies with extraordinary returns on assets than he
has offered small, growing companies with extraordinary returns
on equity.

Therefore, just as a general manager might want to run a quick
screen for a high HBP number, you may want to run a quick screen
for a high ROA number. I know it's not supposed to be the best
indicator of a bargain. But, in my experience, it tends to turn
up a lot of neat ideas.

Obviously, a high return on equity is important. I'm not saying
it isn't. I'm just saying a high return on assets is more
important than you think.



---------------------------------------------------------------------
Geoff Gannon is a full time investment writer. He writes
a (print) quarterly investment newsletter and a daily value
investing blog. He also produces a twice weekly (half hour)
value investing podcast at: http://www.gannononinvesting.com


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Article Title:
==============
How To Almost Instantly Double, Triple And Even Quadruple Your Sales Conversion!
Part 1

Article Description:
====================
Would you like to know how to almost instantly begin doubling,
tripling... and even... quadrupling your sales and profit
margins?


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788 Words; formatted to 65 Characters per Line
Distribution Date and Time: Tue Mar  7 02:18:23 EST 2006

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Copyright:      2006
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How To Almost Instantly Double, Triple And Even Quadruple Your Sales Conversion!
Part 1
Copyright © 2006 Dan Lok
Quick Turn Marketing International, Ltd.
http://www.WebsiteConversionExpert.com



Would you like to know how to almost instantly begin doubling,
tripling... and even... quadrupling your sales and profit
margins?

You would?

Okay, how about I show you how to do it at virtually zero cost?

Does that sound even better to you?

But wait! Not so fast!

Before I get into the "secret" to doubling, tripling, and as much
as quadrupling your sales and profit margins... it is instructive
that you burn this next "head straightener" sentence into your
mind...

The businesses that are most successful are those businesses that
charge high-prices, and know how to SELL their product or
service!

Listen: If you want a profitable and fun business you cannot
afford to screw around chasing after El cheapo, price shoppers
who know the price of everything and the value of nothing!

Why would you want to anyway? Especially when it is just as easy
to sell a high-ticket item to somebody who values what you are
selling... as it is to sell a low-ticket item to some deadbeat
who wouldn't know value if it bit him on the ass.

Why so?

Simple: Because price is a perception of value!

And perception of value is not fixed... nor has it much to do
with actual value. That is why great salespeople have almost no
regard for price. No. What a great salesperson is infinitely more
interested in and focuses all their energy on... is... how can
they "elevate" the perceived value of their product or service in
the mind of the prospect.

You know, this reminds me of a story I once heard about a guy who
approached legendary marketer / copywriter Gary Halbert about a
seemingly high-priced product he was about to launch. He asked
Gary, "Do you think people will pay $xx for that product." Gary's
reply was short... but... hit the nail right on the head. He
said, "I don't know. How good is the sales letter?"

Amen to that!

Look... a piss poor sales message forces you to charge piss poor
prices!

And there ain't no fun in that!

On the other hand... a kick-ass sales message enables you to
charge King-Kong prices!

So... what is perhaps the single best way to up the perceived
value of whatever you are selling (and hence charge higher
prices)?

Thought you were never going to ask!

Okay then, I guess I'd better tell ya'.

A proven way to up the perceived value of whatever you are
selling and dramatically increase your profit margins is what I
like to call...

The "Pile-On-Technique"!

What is more, the "pile-on-technique" is a great way to overcome
people's natural resistance to being sold... and... motivates
them to buy right away.

In simple English here's how it works: In your sales message you
lead the prospect to the point of frothing at the mouth for your
product... and then... just as the prospect expects you to hit
them for the big bucks you switch gear.

Instead of telling the prospect the price as they are expecting
you to, you surprise them by offering even more compelling
reasons why they should order your product.

This is where the "pile-on-technique" comes in. And it's a bit
like baiting your hook. As the late copywriter, Robert Collier
said, "When you want to land a fish, you bait your hook with
something the fish likes. When you want to land orders, the same
principle applies."

And, the more you can give the prospect what they want, the more
orders you will get. It's simply a matter of appealing to
people's natural, inborn greed!

Now, the very best way to do this is to include a FREE BONUS and
preferably many free bonuses if they order your product.

Truly, including free bonuses is the most powerful way to
increase your sales and profit margins.

Naturally, the free bonuses should relate and tie-in with your
main product. For example, if you were selling an Ebook titled:
"How To Land The Job You Really Want... Even If You've Flunked
Every Interview You've Ever Attended!" then a good free bonus
could be a report titled: "37 Sneaky But Totally Ethical Ways To
Get Potential Employer's To Call You!" See how they tie-in
together?

The reason FREE BONUSES are so effective is because everybody
wants something for FREE. See how the word FREE leaps off the
mage and grabs your eyes? Everyone is drawn to that word. And,
except for a persons name it's the most powerful... and
persuasive... word in the English language.

The only exception to free bonuses - (also called "premiums" by
marketers) bumping up sales is this...

If you can't sell something on its own merit you can't give it
away!

To Be Continued...

Dan Lok



---------------------------------------------------------------------
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Article Title:
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Salespeople: Position Yourselves with Power

Article Description:
====================
If we are going to be an effective, professional salesperson,
we ought to give thoughtful consideration to how we position
ourselves in the minds of our customers.


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1971 Words; formatted to 65 Characters per Line
Distribution Date and Time: Tue Mar  7 01:30:53 EST 2006

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Copyright:      2006
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Salespeople: Position Yourselves with Power
Copyright © 2006 Dave Kahle
The DaCo Corporation
http://www.davekahle.com/pptransforming.htm



His eyes were narrow and bloodshot from staying out late and
partying too heavily the previous night. A two-day old stubble
framed his face. He was wearing a dark colored tee shirt, which
he hadn't tucked in, a pair of jeans, and scuffed loafers which
had probably never seen shoe polish. It was the second day of my
Sales Academy seminar, and this participant in the program was
complaining to the group that his customers were only interested
in low price.

I didn't say this, because I didn't want to embarrass him in
front of the group, but I thought it none the less: "Do you think
your appearance and demeanor have anything to do with your
customers' reaction? Do you think that you may give them the idea
that you are the lowest rung on the pricing scale? Is it possible
that you have inadvertently positioned yourself as the Wal-Mart
of the industry?"

I remember, as a child, having a salesperson call on my family.
He had an appointment to discuss a correspondence course for
one of us. He drove a big Lincoln, dressed richly, spoke
articulately, and carried himself with confidence. It wasn't a
coincidence that we bought his program without quibbling about
the price.

These two scenarios illustrate a powerful and frequently
overlooked best practice in the world of sales: Whether you
intend to or not, you always create a position in the minds of
your customers, and that position influences the customer's
attitudes toward you as well as the buying decisions that
follow.In other words, if you look like you're the low price,
your customers will expect you to be the low price.

It follows, then, that if we are going to be an effective,
professional salesperson, we ought to give thoughtful
consideration to how we position ourselves in the minds of our
customers.

Let's begin by understanding the idea of positioning a little
deeper. Positioning has long been a term bandied about by
advertising mavens and marketing gurus. They define it as the
place that your brand or product has carved out in the mind of
the customer. It's the pictures that enter the customers' mind
when they think of your product, the feelings that your product
evokes, the attitudes they associate with you, and the thoughts
that they have of you.

Chances are, for example, that the words "Volkswagen Beetle"
evoke a set of responses from you that are different than
"Chevrolet Corvette." You expect a certain degree of quality,
price and service when you enter a Wal-Mart that is not the same
as your expectations upon stepping inside a Saks Fifth Avenue
store.

Billions of dollars are spent every year on carefully crafted
impressions by businesses anxious to carve out a valuable
position in the minds of their customers.

Alas, if only the same thing could be said of many salespeople.

Just like the carefully designed impressions by advertising
mediums inexorably chisel a spot into our psyches, so do the
repeated visits by a salesperson embed a set of expectations,
pictures and emotions into the minds of our customers. The
position you, as a salesperson, occupy is a complex intertwining
of the perception of your company, your solutions, and yourself.
The most effective salespeople and sales organizations understand
that, and consciously work to create a positive position in the
minds of their customers.


Creating Your Position

Let's begin at the end. A good starting point is to think deeply
and with some detail about what sort of position you want to
create. What, exactly, do you want your customers to think of
you? Let me suggest two possibilities: the minimum acceptable
position, and the ideal position.

At a minimum, I believe your customer should view you as a
competent, trustworthy person who brings value to the customer.
They believe that you generally know your products and their
strengths and weaknesses, that you generally know the customer's
issues, and that you can be reliably counted on to do what you
say you will do. That's the least acceptable position to which
you should work towards. If your customers don't think of you at
least in this way, you probably should not be in sales.

At the other end of the spectrum is the ideal position. This
builds on the minimum, but adds a specific understanding on the
part of the customer of your unique combination of strengths and
attributes. It evolves as you have history with the customer
until you occupy a position that is totally and uniquely yours
and that carries with it the expectation that your strengths in
some specific and unique way add value to the time the customer
spends with you. The ultimate test of the power of your position
is the customer's willingness to see you and the resulting
preference for doing business with you.

Here's an illustration. If you were shopping for an automobile, a
low-mileage late model Taurus would probably provide you with
competent, reliable transportation. So, when you think of that
specific automobile, it would evoke a set of ideas in your mind
all revolving around competent and reliable transportation. Now,
think of a brand new Lamborghini and you would understand it to
be transportation, but with a unique flair - something above and
beyond just reliable transportation. That flair would be a result
of the unique strengths of that particular automobile conveyed in
a graphic way to your mind.

So it is with salespeople. You want to position yourself in your
customer's mind the equivalent of the Taurus. But if you really
want to carve out a unique, memorable position in your customer's
mind, you'd want them to think of you as a Lamborghini.

The question then is, how do you want your customers to think of
you? Once you articulate a specific picture, you can then start
to build that position. Here are four essential steps to help you
convey a positive position to your customers.


1. Soberly assess yourself.

What sort of position are you currently occupying in the
customer's mind? Be as objective as possible as you think through
each of the issues listed below, and compare yourself to your
competitors. How do you stand on...

* your appearance

* your product knowledge

* your understanding of company policies and procedures

* your competence with basic sales skills

* your understanding of the customer

* your bearing and demeanor.


If you find that your rank below your competitors on any of these
issues, then you need to spiff them up so that you are thought
of, at least, as a Taurus. Then, you can begin to move toward the
Lamborghini position.


2. Start on the inside.

In my book, 10 Secrets of Time Management for Salespeople, I
propose that you "get grounded." That advice is based on the
observation that it is difficult to sustain a false position. It
is all a whole lot easier if you portray yourself to be who you
are. Integrity, meaning consistency between who you are and who
you present yourself to be, is a foundation to a positive
position.

In order to do that, you must clearly understand who you are.
That means that you crystallize, in a written document, these
three issues:

* Your purpose. This really speaks to your spiritual orientation.
   Why are you here? What is your purpose in life and in this job?
   Why are you doing this anyway?

* Your vision. What would you like to become? What do you see as
   possible and ideal in your job, your career, and in your life?

* Your values. What are the highest priority items in your life
   and in your job? What are the people, ideas, behaviors and
   qualities of character that are most important to you?


Once you have thought deeply about these internal issues, you'll
find it much easier to live them. The process of articulating
them and putting them on paper keeps you focused and attentive to
the deeper issues.


3. Do a sober assessment of your strengths.

If you are going to position yourself in the eyes of the customer
as having some combination of uniqueness, you first have to
identify what those unique strengths are. What are your personal
unique attributes, experiences, and passions as it relates this
job? Do you have some special experience? Do you have some unique
capabilities? Do you have some unique relationships? Do you have
some unusual characteristics? Identify those strengths on a piece
of paper, and then add a line or two on how each of those can
bring value to the customer.

At this point, you will have done the necessary homework to make
the job of building a unique position much easier. You now know
who you are and what strengths you can bring to your customers.
Now comes the fun.


4. Continually seek opportunities to convey your brand.

Act in a way that is consistent with your statements of
strengths. For example, if you say that you are good with high
tech, don't take notes on a scratch pad. Put them into a PDA. If
you say you are personally attractive, don't forget to shave
before you make a sales call. Be consistent - act like the person
you claim to be.

Find ways to utilize your strengths and emphasize your
uniqueness. In one of my sales positions, for example,
recognizing that I had some unique talents in speaking to groups,
I consistently found ways to organize seminars and workshops for
my customers in which I presented to the group. I could have made
individual sales calls to six customers, but I found that when I
brought all six together in a group, I was more effective. It was
just me utilizing my strengths.

Be creative. One of my strengths happened to be my wife, who is a
gourmet cook, and extremely good with anything that even looks
like food. We collaborated, and as Christmas gifts for my
customers, she would make dozens of varieties of homemade cookies
and candies, and I'd pack them uniquely for each customer. Within
a year or two, everyone looked forward to my arriving with our
annual Christmas present.

Develop a reputation by intention. Decide what you want to be
known for, and then work to consistently make that happen. One
salesperson makes sure, for example, that he doesn't call on a
customer unless he has something to share with that customer
which he believes that customer will find valuable. As a result,
he has no problem getting time with his customers. He's developed
the reputation of always bringing something of value.

If you want to be known as the most responsive salesperson, set
up a system that allows you to respond to every phone call within
an hour or two. If you want to be known as the fountain of
product knowledge, make sure that you study every price list and
piece of literature on every product you sell. If you want to be
known as the specialist in some application, make sure that you
know it inside and out.

Consider everything that you do. Question every single aspect of
your interaction with the customer, and gradually shape every
thing to match the position you want to gain. If you want your
customer to think of you as confident and competent, don't drive
a dirty 10 year old car. If you want your customer to think of
you as worth an extra couple percentage points in price, then
don't come in wearing wrinkled Dockers and a dirty tee shirt. If
you want to be known as intelligent and articulate, don't use
slang.

Your position in the minds of the customer is a powerful and
subtle component of an effective salesperson's approach.
Consistently working at building a positive position will pay
dividends for years.




---------------------------------------------------------------------
About Dave Kahle, The Growth Coach®:
Dave Kahle is a consultant and trainer who helps his clients
increase their sales and improve their sales productivity.
His latest book for sales managers is Transforming Your
Sales Force for the 21st Century (
http://www.davekahle.com/pptransforming.htm ).  You can also
sign up for his sales ezine called "Thinking About Sales" at
http://www.davekahle.com/ppmailinglist.htm . You can reach
Dave personally at 800-331-1287 or by emailing him at
info@....


--- END ARTICLE ---



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Article Title:
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Four Ways to Get Your Invention Unstuck

Article Description:
====================
Is your invention stuck? Here's four ways to Getting Resolution,
Gearing Up, and Moving Forward.


Additional Article Information:
===============================
1093 Words; formatted to 65 Characters per Line
Distribution Date and Time: Tue Mar  7 00:29:27 EST 2006

Written By:     Matthew Yubas
Copyright:      2006
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Four Ways to Get Your Invention Unstuck
Copyright © 2006 Matthew Yubas
Product Coach
http://www.Product-Coach.com



Is your invention stuck? Here's four ways to Getting Resolution,
Gearing Up, and Moving Forward.

Melissa (not her real name) has been working on her invention for
over three and a half years. It's not a complicated invention,
but she's not making any real progress. She says that she's
uncomfortable doing the market research, has uncertainty about
getting a prototype made, and isn't sure of the manufacturing
process. These are common obstacles that all inventors must get
past. Some inventors get past these hurdles relatively quickly,
while others seem to linger in the early stages.

On the surface it appears that Melissa is entrenched in the
technical details. But in reality there's probably something
deeper going on.


Four Causes of Being Stuck

In general, inventors get stuck for one of four reasons: 1) fear
of failure, 2) fear of success, 3) being in a state of diversion,
or 4) lack of a roadmap. If you're stuck, do you know the reason?

Often is the case that inventors personalize their invention with
themselves. The invention is your baby, or a reflection of
yourself. If the product doesn't sell or people comment
negatively, then you might take this too personally as if you're
a failure. These fears will only keep you in the continuous loop
of thinking, planning, and tinkering over and over again, which
keeps the invention stuck.

The second reason for being stuck might be the fear of success.
While on the surface, many inventors dream of being rich and
famous, but we may perhaps have some deeper concerns. As a future
famous inventor, you might be required to make public
appearances, be in the limelight, or "forced" to do marketing and
selling, instead of enjoying the creative part of inventing. And
not only that, the pressure will be on to make the next great
invention. While success is the promised land, it's also a
territory of unfamiliarity and uncertainty. If you find yourself
prolonging the research phase, repeating earlier activities, or
not setting deadlines, fear of success might be the cause.

The third reason for being stuck is the desire to be in a state
of diversion. Inventing is a soothing escape to get away from the
daily demands of life and responsibilities. While inventing,
you're in a safe environment that you control. You either tinker
with an idea for years, or move from idea to idea. Sam, an
inventor friend, has a notebook full of ideas. He has no
intention of marketing them, but enjoys the challenge of figuring
things out. Sam says he's a collector, and in his case, it's
product ideas. He's not really stuck. He just likes to exercise
his brain. But, an inventor is stuck if there's a conflict in
which a state of diversion, and getting a product to market, are
both desirable.

The fourth reason for being stuck is a lack of the roadmap of the
steps to get to market. Imagine you were to take a trip driving
across the country. And suppose you didn't have a roadmap. You
would likely take wrong turns, backtrack, and zigzag your way
across the country, assuming you even make it. That's the same
with inventing. Without a roadmap, you'll likely be spinning your
wheels in place.

In some cases, it's a mix of these fears and uncertainties. As
with any major undertaking, there's some apprehension in not
knowing what lies ahead.


Getting Resolution, Gearing Up, and Moving Forward

For fear of failure, a few simple remedies can help. First,
disconnect you from the invention. You need to de-personalize
your relation to the invention. If you receive negative feedback,
it's not a sign of personal failure. It's a lesson of experience.
I heard a speech by Garry Ridge, CEO of WD-40 discuss this issue.
When something does not turn out well, the experience is reframed
as a "learning moment." They do this as a way to drive out the
fear of making mistakes within the organization.

Also, move the focus away from yourself and on to the people who
will benefit from your new idea. Instead of dwelling on your
fears, shift your attention and visualize the people that will
benefit most from using your product. Imagine getting letters
from people, thanking you for making their lives better. When
writing my book Product Idea to Product Success, I was scared
stiff that people would hate it. By getting positive feedback
with initial drafts, and changing my center of attention to
helping others, I was able to move forward.

If you have identified fear of success as a potential problem,
there are ways to overcome this. The thought that success will
bring on new responsibilities that you can't handle is not
necessarily true. Going through the invention process, and
getting a product in the market, will strengthen and empower you
along the way. To get there, make a list of all the steps to
complete the product. Then focus your attention on the current
tasks at hand, rather than what could happen in the future.

Inventing as a state of diversion is OK, as long as you're clear
on your goals. If you're not seeking financial rewards from your
ideas, then tinkering with inventions is a great hobby to pursue.
But at some point if you really want to test market your ideas,
spend some of your time learning other aspects of inventing such
as marketing and product development.


Summary

Think in terms of degrees of success rather than all or nothing.
Making millions of dollars is a tough standard to set for your
invention. Completing a product is a success itself. Maybe your
first invention sells a hundred units, then an improved version
sells a thousand, and more the next time. Being creative you're
likely to come up with new inventions that are better and more
marketable. Few successes are made overnight.

If you're spending many months or years on an idea and not making
any real progress, you're either dealing with fears, lacking a
roadmap to follow, or a combination of these. The formula for
invention success is a mix of creativity, knowledge of
development and marketing (Market-Step process), having the
mindset to take risks (even small ones), willingness to learn
from mistakes (rather than quitting), and the right timing in the
market. You don't have to struggle with this alone. Get
assistance from people who have gone through the invention
process before. And, most importantly, look at what might be
holding you back, and resolve those issues first, then move
forward one step at a time.




---------------------------------------------------------------------
Matthew Yubas is a Certified Professional Marketing Consultant
for the Small Business Development and International Trade
Center. He has earned a B.S. in Engineering and an M.B.A.
in Management. Articles, tips, coaching, and his Invention
Success Kit are available at http://www.Product-Coach.com.


--- END ARTICLE ---



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http://www.Product-Coach.com



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