A Free-Reprint Article Written by: Hunter Waterhouse

Article Title:
Track And Measure Your Advertising, Customer Acquisition Costs, And The Lifetime
Value Of A Customer

See TERMS OF REPRINT to the end of the article.

Article Description:
As business owners and managers, we need to look at a
variety of numbers to gain a better understanding of our
businesses. In this article, we are going to consider two
very important metrics in business marketing - Cost Of
Customer Acquisition and Advertising ROI (Return On
Investment).


Additional Article Information:
===============================

1679 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-11-19 10:00:00

Written By:     Hunter Waterhouse
Copyright:      2009
Contact Email:  mailto:hunter.waterhouse@...



For more free-reprint articles by Hunter Waterhouse, please visit:
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Track And Measure Your Advertising, Customer Acquisition Costs, And The Lifetime
Value Of A Customer
Copyright (c) 2009 Hunter Waterhouse
Online Marketing for Local Businesses
http://onlinemarketinglocal.com/



As business owners and managers, we need to look at a variety of
numbers to gain a better understanding of our businesses. In this
article, we are going to consider two very important metrics in
business marketing - Cost Of Customer Acquisition and Advertising
ROI (Return On Investment).

One of the most important numbers we need to always be mindful of
is the "Cost of a New Customer" or "Cost of Customer
Acquisition".

Understanding Customer Acquisition Costs

If you are unfamiliar with this concept, let me give you a quick
tutorial on this advertising metric.

===============================================================>

  Suppose you run an advertisement in your local newspaper for
your furniture store. Suppose for the sake of this example that
you paid $1000 for your display ad in the newspaper.

  Now, suppose your advertising brought 4 new customers into your
store, who bought from you. Suppose also that the average spend
for each customer was $1500.

  With the example I am drawing, your $1000 display advertisement
in the newspaper brought in 4 customers who spent a total of
$6000 in your store.

  I am going to keep this example simple, so that more people can
keep up with the numbers.

  On the basic premise of our example, you generated 4 customers
after an outlay of $1000 in advertising. So your basic Cost Of
Customer Acquisition was $250 per customer.

  If your business received fewer customers, from your outlay of
$1000 in advertising, then your Cost Of Customer Acquisition is
more expensive.

  But, if your business earned more customers who spent money,
then your Cost Of Customer Acquisition would be much smaller.

===============================================================>

In its simplest form, the Cost Of Customer Acquisition is the
money spent to get the customer to your store divided by the
number of new customers acquired. We will look at this in more
detail, later in this article.

The Best Way To Measure Sales And Marketing Performance

Entrepreneur Magazine in a 1999 article reflected on the Cost Of
Customer Acquisition in the dot com world. The article suggested,
"the cost of new customer acquisition is one of the best ways to
measure sales and marketing performance."

In 1999, the Cost Of Customer Acquisition for the following
companies were:

  * BarnesAndNoble.com - $42

  * Amazon.com - $27.60

  * Priceline - $32.30

  * Beyond.com - $29.30

On the surface, these numbers may seem small. But, Amazon's
Average Sale is in the $17-range! This makes the challenge that
Amazon and other major retailers face fairly transparent. If
these retailers could only count on one purchase from the newly
acquired customer, then these businesses would be losing money by
the truckload.

Fortunately, Amazon continues to perform well in Repeat Business
from a single customer. The following calculations reflect
additional numbers that we business people should also factor
into our Cost Of Acquisition metrics.

The Real Value Of A Customer

Amazon's first-sale may only be $17, but in 1999, Amazon's
Average Sales Per Customer was $116, up $10 from the previous
year. Unfortunately, Amazon isn't very forthcoming with these
numbers, so after two hours research, I was unable to come up
with more up-to-date numbers for you to consider.

The point of mentioning this is that it is important for business
owners and managers to recognize that the Value Of A Customer is
not how much sales revenue is derived from the initial purchase,
but more importantly, from the Lifetime Value Of A Customer.

If we looked at Amazon's Cost Of Customer Acquisition only in
terms of that first sale, then they will be losing money
hand-over-fist. With a Cost Of Acquisition of $27.60 and the
first sale of $17, Amazon could not stay in business long if they
were continuously producing numbers at that level. However, once
you factor in the Lifetime Value Of A Customer, then Amazon is
spending $27.60 to acquire a customer that is worth $116 in sales
for them. Therefore, by measuring the Lifetime Value of a
Customer, Amazon is spending only 24% of their revenue in order
to acquire one customer.

Few businesses invest 24% of their revenue in advertising, but
Amazon hopes that the Lifetime Value of a Customer will
eventually exceed the $116 value, known to have existed in
FY2000.

As the Lifetime Value of a Customer increases, the overall Cost
of Customer Acquisition will fall, as an overall percentage value
of Cost Of Acquisition divided by the Lifetime Value of the
customer.

The Compounding Lifetime Value Of A Customer

If you have a hair-cutting salon and your advertising budget for
one month is $1000, and you get 30 new customers through the
door, who will spend an average of $20 for a hair cut, then your
basic Cost of Customer Acquisition is roughly $33.34 to gain $20
in new sales.

But if only half of your 30 new customers become regular clients,
then you can anticipate 15 of those customers coming to your hair
salon at least once a month for the remainder of the year.
Therefore, the first 15 customers will be worth $20 each, and the
next 15 customers will be worth $240 each over the course of one
year ($20 x 12 months). All told, your first 15 customers will
put $300 in your cash register, and the next 15 customers will
put another $3600 in your cash register.

Thus, in the hair salon example, your $1000 in advertising could
generate new customers that will generate $3900 in new sales.
Once you start to consider the Lifetime Value of a Customer,
within the Cost of Customer Acquisition, then you will realize
that the Cost of Customer Acquisition - although it might be
higher than the initial sale - holds out the possibility and
promise reducing itself as the Lifetime Value of a Customer
increases over time.

As the end of the year winds down, you will be able to see that a
$1000 expenditure was turned into $3900 in new revenue. In
essence, for every dollar you spent on advertising that month,
your return value was $3.90 over the course of one year.

In the second year, if only half of the original 15 regular
customers or roughly 8 people stay with you for the full course
of the second year, then the $1920 in revenue (8 people X $20
each X 12 months) you can expect from those customers could
almost be considered free money. Of course, you will still have
service fulfillment costs, but that second year will give you
nearly $2000 in revenue that you will not have to chase.

Even if half of the customers drop off during the following
calendar years, then a 50% customer attrition rate will allow
you to have customers that could stay with you up to five years.
Calculated against a 50% decrease in customers over each calendar
year, your $1000 investment in advertising may translate into
$7500 in revenues over five years ($3900 + $1920 + $960 + $480 +
$240 = $7500), from the initial investment of $1000 in advertising.

The interesting thing about this scenario is that it is based on
an advertising budget of $1000 ONE TIME. But, most businesses
will continue the advertising process every month in every year.
Therefore, the above example could compound month-after-month.
Every month should bring the same or similar results to your
business for the month and year.

Advertising Is A Process, Not An Event

Many small business owners have a dire misunderstanding of the
nature of advertising and the value to be received from the
advertising.

When business owners or managers fail to track and measure the
new business generated from the advertising, then the business
owners and managers will fail to see that advertising is an
expense that can return huge dividends to the business.

When businesses fail to track and measure advertising successes,
people tend to only see the money leaving the business without
every seeing the reward coming back into the business. As a
result, many business managers will employ advertising for a
short time, then cancel the advertising, under the false belief
that the advertising was not returning value to the business.

When businesses fail to understand the Lifetime Value Of A
Customer, it is hard to appreciate any advertising method that
fails to pay for itself in its first cycle. If Amazon was to only
look at the initial sale generated by a new customer, they would
quickly cancel all of their advertising efforts. Fortunately for
Amazon, its management understands that the initial $17 sale is
not the measure to use to determine the value of Amazon's
advertising efforts. Amazon's management understands that the
true Cost of Customer Acquisition should not be measured by the
initial sale, but by the Lifetime Value of a Customer. In doing
so, Amazon has ensured that it will continue to be one of the
largest and most successful retail outlets on the planet.

When business managers fail to understand the Lifetime Value of a
Customer, it is hard for them to appreciate and understand the
compounding nature of the revenue stream for a business. It is
hard for them to understand that money invested into advertising
today, can deliver huge rewards over the next several years.

A Wake Up Call For Small Business Owners

According to Scott Shane, author of "Illusions of
Entrepreneurship: The Costly Myths that Entrepreneurs, Investors,
and Policy Makers Live By", only 29-in-100 businesses will
remain in business after ten years. That means that a full 71% of
businesses started in any calendar year will be out of business
in only ten years.

It is sad to say, but the reason most businesses fail is that
business owners and managers fail to understand the nature of
advertising, the importance of tracking and measuring advertising
results, the Lifetime Value of a Customer, and the compounding
nature of the revenue stream.

I don't want to see your business on the trash heap of
yesteryear. So, it is my hope that you will take this article as
a wake-up call, as to the importance of advertising and its
potential to lift your business into profits.




---------------------------------------------------------------------
Hunter Waterhouse has been helping business owners advertise
their businesses online for nearly a decade. He is ready,
willing, and able to put his experience to work for Main
Street Businesses that seek to generate walk-in traffic to
their stores, from the online exposure of their business.
To learn more about how Hunter can help advertise your
local business, visit: http://onlinemarketinglocal.com/


--- END ARTICLE ---

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Dear Publishers,

Please feel free to publish the following article (in its entirety) in your
publications as long as the bio at the end of the article is included and links
are made active if possible.  Please do not make changes without permission.  A
courtesy copy of the publication this article is included in would be
appreciated; my e-mail is Plantldy98@....



Light Bulb Santa Ornaments
By Monica Resinger
http://homemakersjournal.com

Here's a great way to recycle light bulbs! Make a bunch of them to hang on the
tree or give as gifts. This also is a great craft to sit down and do with the
kids.

Supplies:

Burnt out light bulb
small piece of sandpaper
white, flesh or beige, and red acrylic paints
small paintbrush
snow textured paint

1~Start with any size or shape burned out light bulb. Sand it lightly with
sandpaper so the paint will adhere better. Paint the glass with a base coat of
white acrylic paint.

2~Holding the light bulb with the skinnier side up, paint a 1 - 1 1/2" circle in
beige or flesh on the wider part of the bulb for Santa's face.

3~Paint snow textured paint over the white paint.

4~Paint facial features and rosy cheeks on the beige. Tip: The rosy cheeks can
be done with lipstick.

5~Paint the metal portion of the bulb red for Santa's hat.

6~Finish off by glueing a cotton ball on the very top of the hat. Also glue some
stretched cotton around the base of the hat. Hot glue a piece of red ribbon to
hang by.

For more frugal Christmas tips, see the Frugal Creative Christmas Ideas! E-book:
http://homemakersjournal.com/frugalchristmas.htm
Monica is the founder Homemaker's Journal E-publications, the growing home of
many fun and informative home and garden e-books, tip sheets, articles and more!
http://homemakersjournal.com/
Get a FREE Slowcooker Recipe E-book when you subscribe to Monica's FREE e-zine
for homemakers!  To subscribe and receive instructions for picking up your FREE
e-book, just send a blank e-mail to: 
HomemakersJournal-subscribe@yahoogroups.com






[Non-text portions of this message have been removed]

Dear Publishers,

Please feel free to publish the following article (in its entirety) in your
publications as long as the bio at the end of the article is included and links
are made active if possible.  Please do not make changes without permission.  A
courtesy copy of the publication this article is included in would be
appreciated; my e-mail is Plantldy98@....


Two Delicious Thanksgiving Side Dishes
By Monica Resinger
http://homemakersjournal.com

My family goes to my parents' house every Thanksgiving for a wonderful home
cooked dinner by my mom. One of my favorite dishes my mom used to make is Sweet
Potato Casserole. The reason I say `used to' is because each year I ask my mom
what dish I can bring and she now has me bring this and another dish, a salad.

My mom is a teacher's assistant at an elementary school and the Sweet Potato
Casserole was one of the dishes brought to a potluck by another staff member. My
mom loved it so much she got the recipe and we've been having it every
Thanksgiving since. It's more like a dessert than a side dish.

The Cranberry Fruit salad recipe I'm including was also found at a staff potluck
at the school where my mom works. It's sweet-tart, delicious and very easy which
is a big plus at Thanksgiving time! I hope you'll try them on your tables this
year.

Sweet Potato Casserole
Serving Size: 8

Two 16 Oz Cans Sweet Potatoes
1/4 Cup Butter
3/4 Cup Sugar
1/2 Tsp. Salt
2 Eggs
1/2 Cup Milk
1 Tsp. Vanilla

Topping:
1 Cup Brown Sugar
1/4 Cup Butter
2 Tsp. Cinnamon
1/4 Cup Flour

Heat yams & drain. Mash with other ingredients and mix well. Pour into ungreased
9" square glass baking pan. Mix all topping ingredients till crumbly. Spread on
yams then bake at 350 degrees for 40 minutes.

NOTES: May be made the day before and refrigerated before baking.
Happy cooking - Mom

Cranberry Fruit Salad

one 12-oz pkg. fresh cranberries
one 20-oz can pineapple chunks, drained
1 Cup sugar
1 pkg. mini marshmallows
one 12 oz. container whipped topping

Put cranberries into food processor and process until finely chopped; ad sugar
and drained pineapple and process until blended.  Put cranberry mixture into a
large bowl and fold in whipped topping and marshmallows.

Check out the Holiday E-book Package (includes 9 holiday e-books!):
http://homemakersjournal.com/ebooklets.htm#Holiday%20E-book%20Package
Monica is the founder Homemaker's Journal E-publications, the growing home of
many fun and informative home and garden e-books, tip sheets, articles and more!
http://homemakersjournal.com/
Get a FREE Slowcooker Recipe E-book when you subscribe to Monica's FREE e-zine
for homemakers!  To subscribe and receive instructions for picking up your FREE
e-book, just send a blank e-mail to: 
HomemakersJournal-subscribe@yahoogroups.com



[Non-text portions of this message have been removed]

Dear Publishers,

Please feel free to publish the following article (in its entirety) in your
publications as long as the bio at the end of the article is included and links
are made active if possible.  Please do not make changes without permission.  A
courtesy copy of the publication this article is included in would be
appreciated; my e-mail is Plantldy98@....


Giving Homemade Mixes in a Jar
By Monica Resinger
http://homemakersjournal.com

Mixes in a jar are thoughtful and inexpensive gifts to give to anyone for any
occasion. The idea is to layer dry ingredients of a cookie, cake, biscuit,
muffin, beverage or other recipe decoratively in a jar and add directions of how
to complete the recipe. The jar can be a mason jar or a recycled, clean
mayonnaise or other large jar that has a lid and can then be decorated with
fabric, ribbons, paint, etc.

I have seen these jars of mixes sell in retail stores for around $8.00! Imagine
the savings if you were to make your own! A few inexpensive ingredients like
flour, brown sugar, chocolate chips and a jar don't cost very much! Gift
recipients will love receiving a homemade mix from you so they can easily
prepare a treat to enjoy and when they prepare the treat, they'll be thinking of
how thoughtful you are.

Mixes in a jar are excellent for gifts that need to be shipped because you don't
have to worry about baked goods getting smashed or getting stale. A mix will
allow the gift recipient to freshly prepare the treat when it is craved or
needed. They are also great to give to children's teachers, neighbors and
acquaintances because of the ease and money savings involved.

Here is a delicious mix recipe for you to try:

Peanut Butter Chocolate Cookie Mix in a Jar

1 cup packed brown sugar
1 1/2 cups packed confectioners' sugar
3/4 cup cocoa
1 1/2 cups flour
1 teaspoon baking powder
1/4 teaspoon salt

In a separate bowl, mix together the flour, baking powder and salt. Layer
ingredients in order given in a 1 quart wide mouth canning jar. Clean the inside
of the jar with a dry paper towel after adding the confectioners' sugar and
after adding the cocoa powder. Be sure to pack everything down firmly before
adding the flour mixture, it will be a tight fit. Store in a cool dry place away
from a heat source so condensation and clumping does not occur.
Instructions to attach to Jar:

Peanut Butter Cookies

Empty jar of cookie mix into large mixing bowl. Thoroughly blend mix.
Add:
1/2 cup butter, softened
1/2 cup creamy peanut butter
1 egg, slightly beaten
1 teaspoon vanilla.

Mix until completely blended. Shape into walnut sized balls and place 2 inches
apart on a parchment lined baking sheets. Press balls down with a fork. Bake at
350F degrees for 9 to 11 minutes until edges are browned. Cool 5 minutes on
baking sheet then transfer to a cooling rack to finish cooling. Makes 3 dozen
cookies.


If you'd like more mix recipes, check out the Creative Mix Recipe E-book here:
http://homemakersjournal.com/mixes.htm
Monica is the founder Homemaker's Journal E-publications, the growing home of
many fun and informative home and garden e-books, tip sheets, articles and more!
http://homemakersjournal.com/
Get a FREE Slowcooker Recipe E-book when you subscribe to Monica's FREE e-zine
for homemakers!  To subscribe and receive instructions for picking up your FREE
e-book, just send a blank e-mail to: 
HomemakersJournal-subscribe@yahoogroups.com



[Non-text portions of this message have been removed]

A Free-Reprint Article Written by: Hunter Waterhouse

Article Title:
Article Marketing Advice: Increasing the Readability of Your Articles

See TERMS OF REPRINT to the end of the article.

Article Description:
When it comes to writing articles to promote your online
business, it's important to consider more than just your
marketing goals: it's essential that you also focus on writing
articles that people will want to read. In other words, you
don't just want to use words; and you don't want to market and
sell your business directly. Instead, you want to make an effort
to be engaging and influential.


Additional Article Information:
===============================

1054 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-11-17 10:30:00

Written By:     Hunter Waterhouse
Copyright:      2008-2009
Contact Email:  mailto:comments@...



For more free-reprint articles by Hunter Waterhouse, please visit:
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Article Marketing Advice: Increasing the Readability of Your Articles
Copyright (c) 2008-2009 Hunter Waterhouse
Online Marketing for Local Businesses
http://onlinemarketinglocal.com/



When it comes to writing articles to promote your online
business, it's important to consider more than just your
marketing goals: it's essential that you also focus on writing
articles that people will want to read. In other words, you
don't just want to use words; and you don't want to market and
sell your business directly. Instead, you want to make an effort
to be engaging and influential.

The first tip that will help you to increase the readability of
your articles is to write with the reader's concerns in mind. If
you are unsure of exactly how to do that, you may want to look
into article ghostwriters who understand article marketing and
who only focus on writing articles for Internet audiences. When
you work with article ghostwriters, you can focus more on your
business and know that someone else is working hard on your
behalf to write articles that will be read.

Getting The Best Results From Your Article Marketing Campaigns

Still, if you want to keep article writing within your company,
rather than outsourcing it, here are some tips for getting more
out of your article marketing campaigns:

1. Hook your readers from the start. Article writing is a lot
more effective for marketing your business when people will
actually read the articles. The best thing that you can do is to
catch their interest right away. Your article title will
determine if people will open your article, and the first
paragraph will ensure that people keep reading the article.

2. Avoid the temptation to overwhelm your readers with a lot of
information. Article writing is not about telling the reader
everything that there is to know; it's about sticking with a
central focus and giving your reader an introduction or overview
of the information they want and need to solve their problems. In
an article that probably won't be much more than one thousand
words, you will never be able to tell the reader everything they
need to know to solve a problem, but you can help put your reader
on solid footing for moving forward towards a workable solution.

3. Break up information into digestible chunks. Writing articles
is about expressing some key points. When it comes to writing
articles for the internet, what you are going to find is that
many readers skim rather than read your articles. Using numbered
lists (like this one) will help you to present your information
clearly, and let readers find what they are looking for quickly.
Similarly, if you use bullet lists or break up your text with
subheadings that are in a larger font and bolded, you can be sure
that after reading your article, the article's key points will
be easily recalled.

4. When it comes to article writing, particularly when you are
working to establish yourself as an expert, it's important to
show that you know what you're talking about. A great way of
doing that - and to break up the text of your article - is to
include quotes from more established experts. If you are writing
articles and are more established, you too should quote other
sources, possible letting the readers know why you disagree with
another writer.

5. Focus on spelling and grammar. Just as someone who is hiring
article ghostwriters should take the time to find ghost writing
services that are well versed in your point of view, it's also
important to be sure that you're writing in the native language
of your target audience. American English is different from that
spoken and written in England and India. Paying attention to your
spelling and grammar shows that you care about what you are
saying and that you are a professional.

A good example of the difference between the usage rules in
British English and American English is the story of Paul
Marshall from Dallas, Texas. When Paul was running his mortgage
business, he had hired some Indian writers to develop content for
his website. When he received the copy from his ghostwriters, the
copy used the word "mortgage scheme" in the text eleven times.
Paul was pissed, as you might well imagine. In British English,
"scheme" does not carry any negative connotation. Yet, as you
may well realize, "scheme" in American English is one of the
most negative words that can be applied to any business model. It
denotes "dishonesty" and "fraud" in American English. His
Indian writers could not understand his anger with their choice
of words, but you can understand his anger.

Professionalism In The Article Writing Process

Professionalism, unfortunately, is frequently overlooked when it
comes to article writing. Great writing flows, not just for the
writer whose aim is to get the words and message out, but also
for the readers who are consuming the information.

Because of this, one key element of an effective article is not
the writing itself: it is the readability of that article. Take
the time to look at the articles that grab your attention and jot
a few notes about each of them. Specifically, focus on the
following:

  * How did the writer grab your attention (or, if you weren't
interested in the first paragraph, what turned you off?

  * What sort of spacing did the writer use in the article?

  * What did you come away with after reading the article? In
other words, what were the key points of the article?

Writing articles is neither purely science nor purely art – at
its best; it is a good combination of the two. A great article
focuses on a key issue, isn't stuffed with keywords (you do want
search engines to find the article, but too many keywords in an
article takes away from readability), and is as easy to skim, as
it is to read.

When all is said and done, an article that gets read in its
entirety will carry the reader to the Author's Bio at the end of
the article. Ideally, the reader will read the entire article and
feel a desire to visit the author's website to learn more about
the writer of the article. It is article marketing at its best,
when the reader likes the article enough to click on the link in
the Author's Bio and visit the author's website to learn more
about what the author is offering.




---------------------------------------------------------------------
Hunter Waterhouse has been ghostwriting and building websites
since 1999. He is ready, willing, and able to put his experience
to work for Main Street Businesses that seek to generate walk-in traffic to
their stores, from the online exposure of their
business. To learn more about how Hunter can help your offline
business, visit: http://onlinemarketinglocal.com/local-services/


--- END ARTICLE ---

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   of the article AND in the Author's Resource Box as
   Hyperlinks (clickable links).

* Links must remain in the form that we published them.
   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
   must be retained with articles. You can change where
   the paragraph breaks fall, but you cannot eliminate all
   paragraph breaks as some have chosen to do.

* Email Distribution of this article Must be done through
   Opt-in Email Only. No Unsolicited Commercial Email.


* You Are Allowed to format the layout of the article for
   proper display of the article in your website or in your
   ezine, so long as you can maintain the author's interests
   within the article.

* You may not use sentences from this article as an input
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   order to build an article with software. The copyright on
   this article applies to the "WHOLE" article.


*** Author Notification ***

   We ask that you notify the author of publication of his
   or her work. Hunter Waterhouse can be reached at:
   comments@...


*** Print Publication Reprint Rights ***

   If you desire to publish this article in a PRINT
   publication, you must contact the author directly
   for Print Permission at:
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The content of this article is solely the property
and opinion of its author, Hunter Waterhouse
http://onlinemarketinglocal.com/



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A Free-Reprint Article Written by: Braxton Heitz

Article Title:
Small Business Owners Who Manage Cash Flow Well Profit Tremendously

See TERMS OF REPRINT to the end of the article.

Article Description:
Starting a business is always a tremendous undertaking. It is the
most stressful undertaking a person could ever attempt to do.
Most new business owners fail to understand that running a
business is a complex operation, which will require the business
owner/manager to pull many hat tricks to stay afloat.


Additional Article Information:
===============================

1265 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-11-17 10:15:00

Written By:     Braxton Heitz
Copyright:      2007-2009
Contact Email:  mailto:braxton.heitz@...



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Small Business Owners Who Manage Cash Flow Well Profit Tremendously
Copyright (c) 2007-2009 Braxton Heitz
Jobs And Paychecks
http://www.jobsandpaychecks.com/



Starting a business is always a tremendous undertaking. It is the
most stressful undertaking a person could ever attempt to do.
Most new business owners fail to understand that running a
business is a complex operation, which will require the business
owner/manager to pull many hat tricks to stay afloat.

As the stress of the business grows, many new small business
owners find themselves completely overwhelmed by all of the work
required to keep their new business afloat.

Much of the strain of establishing and running a business is
centered on successfully juggling the finances. When working as
the head of a corporation or as a sole proprietor, every decision
made will affect the future of the business. Having a means of
relief in place in the event that a wrong decision is made can
often mean the difference between success and failure of the
business. When a bad financial decision creates a situation where
payroll cannot be met on time, a business can quickly find itself
without staff to continue operations.

Business Credit Cards For New Businesses

In many cases, start-up companies seek out a loan at the
beginning of their business. For business owners who are not
comfortable taking out a large loan, there are other options that
can be considered as an alternative.

A credit card designed specifically for business is an option
many companies will choose to pursue. This is just like a
traditional credit card, but it also provides a variety of
business directed incentives.

Credit card companies generally offer low interest rates to
attract new business enterprises. While the credit history of the
owner of a small business is going to be considered in factoring
how much credit a company can receive, other factors are
considered to carry greater significance.

The business plan and financial projections of a new company are
going to be the most important categories available for banks to
examine. Lenders and credit givers are fundamentally interested
in learning about your projected financial expectations.

For companies that have been around for awhile, an in-depth look
at its financial history and business projections are going to be
the most vital pieces of information a credit card company will
want to know.

A business credit card provider is going to be most concerned
with the stability of the company. Some banks are so concerned
about the stability of a business that they will not risk the
investment of offering any type of credit to a start-up company,
even if that company has a checking account at their bank, until
the company has maintained their business checking account for at
least one year.

This is by no means meant to discourage a business owner from
pursuing business financing. Instead, it is simply an observation
of the difficulties that many business owners face when trying to
establish business credit. Each bank has their own policies on
business credit cards, and some banks will prefer to be more
cautious than other banks.

The Pitfalls and Advantages of Business Credit Cards

As with any credit card, the most common pitfall of owning a
credit card is the potential to overspend. It is always best to
limit the amount of money that is charged on a credit card,
whether in personal finances or business finances. Business
start-up costs can be astronomical. There are also times when a
company needs a few extra dollars to keep their utilities from
being disconnected. If someone is not careful, they can easily
charge their way into a deep pit of debt that could ultimately
destroy their business.

The truth is that cash flow is always a problem for new
businesses. Small business credit cards can make it possible for
a business owner to pay all of their bills on time. The danger,
of using credit cards to maintain a business' cash flow, is when
the owner is in a state of denial about the true health of his or
her company. Unfortunately, some business owners become dependant
on their line of credit and use it to prop up a business cycle
that cannot sustain itself, ultimately leading to financial
disaster.

On the other hand, acquiring a business credit card could also be
one of the best decisions an owner could make towards the
long-term stability of his or her business. When a business owner
has access to additional funds to float his or her business
during a short window of cash flow problems, that extra money
could be just enough to keep the business alive to continue
operations. An example of such a situation could be when the
company's bank intends to hold a deposited check until after the
next payroll date. It is one thing for an owner to decide they
can wait a few more days to be paid, but it is quite another
thing altogether to ask a company's employees to wait five days
to be paid their wages.

Being able to access the financial means to keep a business
steady and on sure footing can provide a terrific sense of
security to the business owner.

The time when a credit card becomes especially handy to the
business owner is when tax time comes; a business credit card can
be a true asset. No one is better at finding accounting flaws
than our federal government, and almost every new business is
going to be audited in their first year.

If a company's transactions are all done with a business credit
card, then the company will have a permanent record of all of
their business transactions. Having documentation of all of your
expenses is vital, when dealing with the IRS.

The most important thing that a small business credit card can do
is to provide you with the means to establish a reputable credit
history with banks and lending institutions, so the business can
gain access to higher credit lines than what the typical start-up
company is afforded.

Inspiring Examples

One of the most successful cases of a small business succeeding
by the use of a business credit card can be found with Google.
Some would argue that Google is the most successful search engine
on the Internet. It has become such a phenomenon that the company
name has morphed in to a verb for all online searches.

It is amazing to think that it all began in a dorm room. Its next
home was in a garage. Eventually the founders of Google, Brin and
Page, realized they needed larger equipment. They bought all of
their new equipment on credit cards, because banks were not
interested in lending money to a small dot-com company.

Over 380 million people in over 35 different languages regularly
use Google to enhance their online experience. All of this
success was made possible by the start-up funds provided to the
Google founders by credit cards.

In Conclusion

Business credit cards can mean salvation for a fledgling company.
Having the resources to maintain your companies financial
stability can make any business owner more confident with in
their decision.

A good line of credit for your business can also lead to
countless openings for future growth. Establishing a strong and
steady financial history can be the perfect asset in finding
interested investors and development opportunities, when it is
time to reach out for a bigger line of credit.

For those small business owners who know how to utilize the
credit system to grow their business, the future may be greatly
enhanced. For those business owners who start their journey with
credit cards, the climb to greater credit availability is made
that much easier.




---------------------------------------------------------------------
Braxton Heitz writes about family finances and the struggles of
the job search. If you are looking for a job or looking to make
a career move in the current troubled economy, then visit the
Jobs And Paychecks website at: http://www.jobsandpaychecks.com/
If you are looking for good information about the job search,
visit: http://jobsearchmagazine.com/


--- END ARTICLE ---

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

TERMS OF REPRINT - Publication Rules
(Last Updated:  May 11, 2006)

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).

* Links must remain in the form that we published them.
   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
   must be retained with articles. You can change where
   the paragraph breaks fall, but you cannot eliminate all
   paragraph breaks as some have chosen to do.

* Email Distribution of this article Must be done through
   Opt-in Email Only. No Unsolicited Commercial Email.


* You Are Allowed to format the layout of the article for
   proper display of the article in your website or in your
   ezine, so long as you can maintain the author's interests
   within the article.

* You may not use sentences from this article as an input
   for any software that steals sentences from others in
   order to build an article with software. The copyright on
   this article applies to the "WHOLE" article.


*** Author Notification ***

   We ask that you notify the author of publication of his
   or her work. Braxton Heitz can be reached at:
   braxton.heitz@...


*** Print Publication Reprint Rights ***

   If you desire to publish this article in a PRINT
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   for Print Permission at:
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service. thePhantomWriters.com and Article-Distribution.com
are owned and operated by:

Bill Platt
3010 E Raintree
Stillwater, Oklahoma USA 74074


Learn more about our article distribution services by visiting:
http://thephantomwriters.com/x.pl/tpw/info/article-distribution/index.html

The content of this article is solely the property
and opinion of its author, Braxton Heitz
http://www.jobsandpaychecks.com/



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A Free-Reprint Article Written by: Daryl Watters

Article Title:
Volatile Organic Compound Levels In The Home

See TERMS OF REPRINT to the end of the article.

Article Description:
Have commercial residential odors? Learn about volatile
organic compounds, to decide if they may be the root cause
of those odors.


Additional Article Information:
===============================

352 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-11-17 10:00:00

Written By:     Daryl Watters
Copyright:      2009
Contact Email:  mailto:daryl.watters@...



For more free-reprint articles by Daryl Watters, please visit:
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Volatile Organic Compound Levels In The Home
Copyright (c) 2009 Daryl Watters
A Accredited Mold Inspection Service, Inc.
http://www.floridamoldinspectors.us/



Volatile organic compound also known as VOCs are common indoor
pollutants composed of organic chemicals that evaporate into the
air easily at room temperatures. VOCs often cause chemical odors,
respiratory irritation, headache, and other indoor air quality
related complaints. At certain high levels they can be dangerous.

These chemicals are released by paints, paint thinners, varnish,
new carpets, new cabinets and furniture that contains particle
board, household cleaners and air fresheners, gasoline,
improperly vented combustion devices, photocopier machines,
blueprint machines, and many other sources. All buildings contain
some level of volatile organic compounds, determining what are
normal levels and what are elevated levels is important in
diagnosing a buildings indoor air quality. The following
information gives some idea of what are normal and what are
elevated VOC levels.

Global consensus has resulted in the emergence of preliminary
guidelines or tVOC standards for IAQ (Australian NHMRC, 1993;
Finnish society of IAQ, 1995: Seifert, 1999: Hong Kong EPA, 1999;
Japan MoH, 2000).

Depending on Location (home, school, etc. ), recommended levels
range from 200 to 1300 ug/m3 or about 50 to 325 ppb or .05 to
.325 ppm (Toluene units) or approximately 100 to 650 ppb .1 to
.650 ppm isobutylene units.

By all accounts the IAQ tVOC threshold for normal environments
should not exceed 500 ppb (0.5 ppm) Toluene units, which is
equivalent to 1000 ppb (1ppm) isobutylene units.

Field experience suggests the following guide for the use of PIDs
to assess indoor environments:

Less than 100 ppb or (.1ppm) isobutylene units: normal outdoor
air

100-400 ppb or (.1-.4ppm) isobutylene units normal indoor air

500 + ppb or (.5ppm) + isobutylene units: indicates potential of
IAQ contaminants

Reference RAE Systems Application Note AP-212

In summary the above states that the general consensus among most
experts is that recommended indoor levels of total volatile
organic compounds is .1 to .6 ppm isobutylene units.

Indoor levels above .5ppm isobutylene units indicates potential
contamination and levels should not exceed 1ppm isobutylene
units.

Please keep in mind that the above applies to homes offices and
schools etc. Exposure limits allowed in industrial settings will
be much higher.






---------------------------------------------------------------------
Daryl Watters is president of A Accredited Mold Inspection
Service, Inc. He provides mold inspections and indoor air
quality testing for chemicals and unusual odors in South
Florida. He is also the creator of MIR forms designed to
aid inspectors in the production of computer generated
indoor air quality, IAQ test and mold inspection reports.

For more inspection and testing information visit:
http://www.florida-mold-inspection.com
http://www.floridamoldinspectors.us/common%20indoor%20air%20quality%20problems.h\
tm
http://www.floridamoldinspectors.us/voc-levels-miami-dade-ft-lauderdale-west-pal\
m-beach-iaq-indoorairquality-consultant.htm


--- END ARTICLE ---

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

TERMS OF REPRINT - Publication Rules
(Last Updated:  May 11, 2006)

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).

* Links must remain in the form that we published them.
   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
   must be retained with articles. You can change where
   the paragraph breaks fall, but you cannot eliminate all
   paragraph breaks as some have chosen to do.

* Email Distribution of this article Must be done through
   Opt-in Email Only. No Unsolicited Commercial Email.


* You Are Allowed to format the layout of the article for
   proper display of the article in your website or in your
   ezine, so long as you can maintain the author's interests
   within the article.

* You may not use sentences from this article as an input
   for any software that steals sentences from others in
   order to build an article with software. The copyright on
   this article applies to the "WHOLE" article.


*** Author Notification ***

   We ask that you notify the author of publication of his
   or her work. Daryl Watters can be reached at:
   daryl.watters@...


*** Print Publication Reprint Rights ***

   If you desire to publish this article in a PRINT
   publication, you must contact the author directly
   for Print Permission at:
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are owned and operated by:

Bill Platt
3010 E Raintree
Stillwater, Oklahoma USA 74074


Learn more about our article distribution services by visiting:
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The content of this article is solely the property
and opinion of its author, Daryl Watters
http://www.floridamoldinspectors.us/



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---------------------------------------------------------------------

A Free-Reprint Article Written by: Hunter Waterhouse

Article Title:
Developing Original Articles: The Human Touch vs. Computer Software

See TERMS OF REPRINT to the end of the article.

Article Description:
With the increasing demand of high quality content on the web,
finding original articles and carefully stylized content is a
priority for companies to retain credibility. With today's
fierce search engine ranking competition, a steady supply of
original articles has become a necessity. Websites need to be
designed to increase traffic, and sites updated regularly with
fresh information are more likely to receive higher search engine
placement than those updated less frequently. As a result,
companies need to find sources of new and original content as
often as possible.


Additional Article Information:
===============================

735 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-11-12 10:00:00

Written By:     Hunter Waterhouse
Copyright:      2007-2009
Contact Email:  mailto:comments@...



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Developing Original Articles: The Human Touch vs. Computer Software
Copyright (c) 2007-2009 Hunter Waterhouse
Online Marketing for Local Businesses
http://onlinemarketinglocal.com/



With the increasing demand of high quality content on the web,
finding original articles and carefully stylized content is a
priority for companies to retain credibility.   With today's
fierce search engine ranking competition, a steady supply of
original articles has become a necessity.  Websites need to be
designed to increase traffic, and sites updated regularly with
fresh information are more likely to receive higher search engine
placement than those updated less frequently.  As a result,
companies need to find sources of new and original content as
often as possible.  The challenge is finding human writers who
can provide original articles with the right tone, voice, and
quality that the company needs, and also at the right price.

Before the emergence of computer programs that could 'create'
articles and pieces of web content, human writers were
responsible for developing all the original content for websites.
  However, with the rise of blogs and websites for independent
publishers, several applications are now available that simply
churn out content made from a computer program. While these have
the potential to create several articles on a given topic, they
do have limitations.  Semantics, sentence structure, meaning, and
even punctuation are often overlooked with these content spinners
and programs, and if they are caught by a search engine, the risk
of website blacklisting runs high.

Human writers provide reliable, authentic, and original content
on a regular basis.  By making use of natural creative processes
to develop and present an idea, they can develop a series of
original articles for any website or company.

The Value of Authentic Content and Original Articles

All website and business owners know how valuable original
content is for search engine placement, website validity, and
credibility in their industry.  Without a steady supply of
original articles, it is difficult to keep visitors returning to
the site and maintaining interest in the company.  The increasing
popularity of blogs is just one example of why 'content is
king' still rings true on the web today.  Human writers can
develop articles and unique ideas far better than any computer
software and application.  Unfortunately, many companies choose
applications that lead to poor quality content and a decrease in
their credibility.

What Content Creating Software Does

Content creation software is designed to string words and
sentences based on a topic and basic article.  These programs run
several variations of an article by substituting synonyms and
words throughout the page, and reconstructing sentences to
generate a 'new' or original article.  Today's leading content
duplication and content creation software programs include:
Article Content Spinner, Jetspinner, SiteEqualizer, ArticlePro,
and Article Output.

While these article and content spinner programs offer many
promises of 'well-written' article and original content, they
are not always accurate enough to catch duplicate sentences, and
they often have trouble even putting together sentences that make
sense.  In many cases, their processes are considered to be forms
of copyright theft, especially if the original article used as
the input was not generated by the owner.  Search engines that
can find even one sentence duplicated from an article can bar the
website from being listed on the rankings, and a single sentence
'stolen' in this way is at risk for copyright infringement.

Why Companies Need to Pursue Quality Human Writers

Google is the leading search engine on the internet, and
specifically outlines its duplicate content policy in the user
terms.  Article spinners that help generate 'original articles'
can create significant damage to a company's page ranking and
credibility online, putting them at risk for copyright
infringement and other penalties.  Submitting just a single
article to an article directory can be shared across multiple web
pages and websites, but using a content spinner to create
'fresh' content from this very same article puts all of the
content at risk.

Article marketing has become an industry in itself, but finding
high quality human writers is the most efficient, and safe,
method of generating valid clicks and increasing visitors to the
site.  Human writers can provide benefits beyond the limitations
of article content creation services.  These include completely
original article batches, clear and consistent messages, an
author's voice, powerful words and phrases that are easy to read
by all visitors, and simply and efficiently provide unique and
creative ideas in an original format.  Human writers can often
provide a fresh perspective on a topic or idea, something that
cannot be achieved with automated article writing software
packages.





---------------------------------------------------------------------
Hunter Waterhouse has been ghostwriting and building websites
since 1999. He is ready, willing, and able to put his experience
to work for Main Street Businesses that seek to generate walk-in traffic to
their stores, from the online exposure of their
business. To learn more about how Hunter can help your offline
business, visit: http://onlinemarketinglocal.com/local-services/


--- END ARTICLE ---

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

TERMS OF REPRINT - Publication Rules
(Last Updated:  May 11, 2006)

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).

* Links must remain in the form that we published them.
   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
   must be retained with articles. You can change where
   the paragraph breaks fall, but you cannot eliminate all
   paragraph breaks as some have chosen to do.

* Email Distribution of this article Must be done through
   Opt-in Email Only. No Unsolicited Commercial Email.


* You Are Allowed to format the layout of the article for
   proper display of the article in your website or in your
   ezine, so long as you can maintain the author's interests
   within the article.

* You may not use sentences from this article as an input
   for any software that steals sentences from others in
   order to build an article with software. The copyright on
   this article applies to the "WHOLE" article.


*** Author Notification ***

   We ask that you notify the author of publication of his
   or her work. Hunter Waterhouse can be reached at:
   comments@...


*** Print Publication Reprint Rights ***

   If you desire to publish this article in a PRINT
   publication, you must contact the author directly
   for Print Permission at:
   mailto:comments@...



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

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service. thePhantomWriters.com and Article-Distribution.com
are owned and operated by:

Bill Platt
3010 E Raintree
Stillwater, Oklahoma USA 74074


Learn more about our article distribution services by visiting:
http://thephantomwriters.com/x.pl/tpw/info/article-distribution/index.html

The content of this article is solely the property
and opinion of its author, Hunter Waterhouse
http://onlinemarketinglocal.com/



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A Free-Reprint Article Written by: Paul Marshall

Article Title:
Santa Claus is Dead -- But Internet Marketing Get Rich Scams Aren't

See TERMS OF REPRINT to the end of the article.

Article Description:
Guard your wallet when Internet marketing scammers tell you
how easy online wealth is. All you need is to download their
secrets for $100s to $1,000s. Internet marketing isn't
really that hard when performed effectively, but it also
isn't as easy as the scammers try to convince you.


Additional Article Information:
===============================

828 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-11-10 13:00:00

Written By:     Paul Marshall
Copyright:      2009
Contact Email:  mailto:paul.marshall@...


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Santa Claus is Dead -- But Internet Marketing Get Rich Scams Aren't
Copyright (c) 2009 Paul Marshall
Strategic Web Marketing Net
http://strategicwebmarketing.net/



Yes, Santa Claus IS really dead. Sorry for the news. And you
might want to keep the kids from looking over your shoulder here
for the next few minutes. :-)

As an Internet Marketing Coach, I hear all the time from new
clients how they've wasted hundreds to thousands on Internet
get-rich-quick schemes before coming to me.

Desperation and inexperience are the breading grounds that allow
these scammers to prey.

Just this last week, one of my colleagues replied to a guy on a
forum who wanted to start earning $5,000 each month -- oh, and
within the next 30 days. And he had $80.00 to invest, a whole
eighty dollars!

I'm sure the guy is nice, but he also sounds desperate. How is
anyone going to start earning literally thousands of dollars a
month within 30 days on just an $80.00 investment?

Isn't this scenario as realistic as saying ALL the employees at
your local fast food restaurant earn $100,000 per year?

Yes, Saint Nick is gone and did I mention that The Tooth Fairly
is on life support?

Let's get real.

Are You Real about Internet Earnings and the Business Costs
Required?

Back to my big spender above who has just $80.00 to
invest...where did he get the idea he could be a successful
Internet marketer on an $80.00 investment?

My guess is he probably got that idea from some forum.

And that may bring up a good point: are you likely to get good
advice going to forums?

Me personally, I'm too busy to participate in forums. Although
to be fair, I do have successful SEO (search engine optimization)
colleagues who do. But while you could encounter a talented
person to give you -- free advice -- on a forum, my best advice
to you is you are more likely to encounter people with -- free
time.

If they have so much free time to participate in forums, how busy
are they with paid work?

And about free advice...how many people do you personally know
who work for free? How would they pay their bills?

Do YOU work for free now?

Are you going to be working for free with your online enterprise?
If you're not, then why should someone else?

If you want to earn $100,000 per year form your Internet
business, do you want your advice coming from someone offering
free advice OR only charging $20.00 per hour?

OK, You've Got Some Money to Invest in Your Internet Business,
What's Your Next Step?

Well, protect it and spend it carefully! Watch out for "blue
sky" promises of anything that sounds too good to be true.

Compared to conventional advertising and marketing, you don't
need that much money to market online. But you do need some.

You need money for a Web site and you need some for marketing,
likely PPC (pay-per-click) and SEO.

The more cash you have to invest, the less time you have to
invest. You can hire an Internet Marketing Company to perform
much of the work for you.

OR, the less money you have, the more of your time that will be
required. This can be a very good time to considering hiring an
Internet Marketing Coach, to save you money and speed up the
timetable for you to earn income.

The problem is the people with no money to invest OR with
unrealistic expectations are the ones who fall prey to the
Internet marketing scammers. Often, these are the same people who
don't have the skills to do any of the work themselves or the
desire to develop the required skills (sigh).

An Example of what To Do...and what NOT To Do

Consider another one of my clients who paid $1,000 for a
well-known Internet marketing program. My client was told all
sorts of inconsistent things, including that the course was for
people new to online marketing, which that wasn't the case.

And he was told to market something online that he didn't know
anything about or have any particular interest in.

Huh??

How does THAT make any sense?

But at that moment, that was what he wanted to hear, because it
was easy and didn't require much effort or time from him.

Here's the real deal: there are dozens, hundreds or thousands of
people and companies marketing the same or similar product or
service to yours. You have to do it BETTER.

That requires time and effort. It requires making an effort and
using one's brain.

And this is where a qualified Marketing Coach or a Search Engine
Optimization Firm can help you.

If you select well, the money you spend you will more than save
in increased profits, much faster and avoiding the potholes and
pitfalls that come with Internet marketing. Those pitfalls can be
very expensive (and time consuming).

And there are actually Internet Marketing Coaches you can begin
with for only a few hundred dollars, which could be money very
well spent. :-)




---------------------------------------------------------------------
Marketing online since 2004, Paul Marshall can help you market
on a budget. You can learn about his affordable Internet
Marketing Consulting Services (and d-i-y Coaching) on his home
page: http://strategicwebmarketing.net/ You can learn more
about Paul on his LinkedIn profile page:
http://www.linkedin.com/in/paulmarshallwebmarketing and at
Strategic Web Marketing.net.


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A Free-Reprint Article Written by: Braxton Heitz

Article Title:
How The Internet Has Changed The World...

See TERMS OF REPRINT to the end of the article.

Article Description:
As most of us sit down at our computers each day, we might
realize that we have begun to take this Information Age for
granted. What would we do if we did not have 24/7 Internet
connections to keep us connected to the world?


Additional Article Information:
===============================

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How The Internet Has Changed The World...
Copyright (c) 2007-2009 Braxton Heitz
Jobs And Paychecks
http://www.jobsandpaychecks.com/



As most of us sit down at our computers each day, we might
realize that we have begun to take this Information Age for
granted. What would we do if we did not have 24/7 Internet
connections to keep us connected to the world?


Online Bill Pay

When it is time to pay bills, we logon to the Internet, pull out
our debit cards or credit cards, and then we get to work paying
our bills online. It is no longer the case where we have to sit
down at the dining room table with our checkbook, a stack of
bills, and a book of stamps.

Back in those dark days of the pre-Internet existence, we were
not yet done with bill paying when we licked that last stamp.
Instead, we had to jump in the car and run down to the post
office to get the checks in the mail. If we had paid our bills
close to their deadlines, then we had to sweat whether our
payment would arrive on time. If we were really worried about our
payment arriving at the other end of the transaction on time, we
would take time out of our lunch hour to run to the bill
collector's office to make our payment just under the wire.


Mom Online

Yes, back in those old days, we used to call mom on the phone
once a week to check in and catch up. Now, we can logon to our
favorite Internet chat client or call her on our Internet phone
and talk to mom everyday. We can even share pictures of the kids
with mom through our Myspace accounts.


Online Education

Back in those grand old days, if we wanted to learn something of
value to our lives, we needed to go to the library or bookstore
and check out or buy a book that would answer our questions about
the world around us. It was either that or we had to enroll at a
nearby college and take classes relevant to our interests.

Today, it is much different. Nearly any topic that might be of
interest to us can be learned, after a trip to our favorite
search engines. We might have to pay to gain access to the
information we want, but in many cases, information is handed out
like candy on Halloween, on the Internet.

We could even go further and enroll at a major university online.
We can now take classes and get a degree at our favorite
university or college, even if we live one thousand miles away
from the school.


Local Shopping

Back in the day, in order to find out what great sales were
running at the national chains, we had to subscribe to a
newspaper for the full week and take the time to review the paper
everyday to make sure we did not miss those important sales.

Now, we pop open an Internet browser and navigate to the website
of the chain store we are interested and click through to their
sales circular page. What does Wal-Mart have on sale? Let's go
to their webpage. What about Napa Auto Parts stores? Let's go
their webpage. How about "Ace, the helpful hardware place"?
Let's load up their website. Walgreens --- what kinds of
specials do "they" have this week? We are off to see the wizard,
the wonderful wizard of Oz (also known as Al Gore, the guy who
"invented" the Internet).


Comparison Shopping

Before the World Wide Web, if we wanted to know the "skinny" on a
particular product we were interested in buying, we would need to
ask friends. For an expert opinion, we would need to subscribe to
Consumer Reports, or take our chances by visiting the local store
that sold the product and have faith that the salesperson was not
loading our brains full of commission-biased opinion.

These days, we can go online to learn all about any single
product or service we might be interested in purchasing. Even
better, we can look at a cross-section of products under the same
classification and make an intelligent decision based on factual
research. If we put our minds to it, we could even pull up
customer reviews on the products we want to purchase.

The sky is the limit. We can do as little or as much research as
we would like to do on a single product or service and be happy
with our final decision.


Dig Up In-Depth Product Specifications

Sometimes, we can trust the Sears salesman not to lead us astray
in our purchase selections. It is pretty straight forward as to
which brand of wrenches will give us the best performance over
many years or to find out which 27" television has the best
picture.

But, with other product groups, a cursory glance will not deliver
the be-all-end-all analysis that we need to make intelligent
shopping decisions. Such examples include insurance products or
financial products such as credit cards and loans.

If you have to ask yourself what the difference between a
term-life insurance policy and a whole-life policy, then you need
to get some really in-depth information to make a good purchase
decision. There are insurance websites and information websites
that will pass this kind of information along to you. They may
even let you apply online for a new insurance policy and give you
an instant approval for your new policy.

The same mindset will often accompany your interest in learning
about credit card products. With so many choices and options
available, it is hard to know which credit card offer or credit
card rewards program will be best for your needs.

The beauty of the Internet is that the answer to all of these
questions and more are right at your fingertips.

Credit card offers range from gas credit cards, student credit
cards, low APR credit cards and even 0% interest credit cards.
Among this range of credit card types and special offers, many
banks also offer credit card points in the form of airline miles,
credit card travel rewards, cash-back rewards programs, and store
credit at your favorite chain stores or restaurants.

So, how do you know which credit card will be best for your
needs? All you have to do is to start with a plan as to what you
would like to gain from a credit card, and eliminate credit card
offers that do not match your needs. Then do a side-by-side
analysis of those credit card offers that remain to see which one
will deliver to you the best value for your dollars.

Don't be afraid to dig in and get the facts on any product you
may be interested in buying. I have learned a lot on the Internet
about insurance products, credit card plans, and high-definition
televisions. Even when I had questions that the Circuit City
salesperson could not answer, I was able to turn up that
important information on the Internet.


Longing For The Old Days

No, I don't really long for the old days anymore, except when my
Internet connection is down for more than just a few hours.

If I want to add a credit card to my wallet, I only need to
decide which one I want and then fill out the online credit card
application. If I want to buy car insurance, I can shop around
for the best policy and buy it right then online, without having
to go to an agent's office. If I want to shop for a better price
on my next software purchase, all I have to do is to go to a
shopping website and compare prices.

The Internet has improved the experience of my life
one-hundred-fold, and I do not want to ever have to return to
those days before dial-up. Before I came on the Internet, I did
not even know why I would want to buy more than one type of home
insurance. Now, I sweat if I might miss my payment.

If you take the time to search and research the Internet for the
information that will help you to make better shopping decisions,
you might just find as I have that the Internet is something that
you never want to live without ever again.




---------------------------------------------------------------------
Braxton Heitz writes about family finances and the struggles of
the job search. If you are looking for a job or looking to make
a career move in the current troubled economy, then visit the
Jobs And Paychecks website at: http://www.jobsandpaychecks.com/
If you are looking for good information about the job search,
visit: http://jobsearchmagazine.com/


--- END ARTICLE ---

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A Free-Reprint Article Written by: Daryl Watters

Article Title:
Toxic Mold Inspectors Health Effects And Scientifc Literature

See TERMS OF REPRINT to the end of the article.

Article Description:
Information on toxic black mold and it's true health
effects as described in scientific literature, as opposed to
the more common information on toxic black mold expressed on
the not so scientific websites of mold inspectors.


Additional Article Information:
===============================

705 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-11-10 10:00:00

Written By:     Daryl Watters
Copyright:      2009
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Toxic Mold Inspectors Health Effects And Scientifc Literature
Copyright (c) 2009 Daryl Watters
A Accredited Mold Inspection Service, Inc.
http://www.floridamoldinspectors.us/



We have recently seen that some mold inspectors are quoting the
article titled "Indoor Mold, Toxigenic Fungi, and Stachybotrys
chartarum" and other similar scientific articles to support the
belief that toxic molds poison people in their homes. A link to
the article is listed below. It looks as if the article is
stating that toxic molds are very toxic to homeowners or even
deadly. Mold inspectors who hastily review such articles come to
such conclusions because they do not understand what the highly
technical scientific article is talking about. This and other
similar articles on the topic of toxic mold effects are
discussing not what happens when a home owner breathes in mold
spores released by Stachybotrys or other toxic molds. The article
is talking about the effects of toxic mold toxins / mycotoxins
when these toxins are eating in foods contaminated with toxic
molds, or the effects of mold toxins when animals in the lab are
injected with mold toxins directly into the body or nasal
passages. Sometimes such articles site cases where industry
workers were made ill by toxic mold exposure after working around
clouds of organic dust and mold spores for extended periods of
time. Such conditions contain millions of spores per cubic meter
or air as opposed to the hundreds or thousands of spores
encountered in most moldy homes and offices. This article may
have been used by mold inspectors to support the view that toxic
molds will poison you. In fact, this article and many others have
been taken out of context. This article and other scientific
articles like it support the view that there is no solid evidence
that toxic mold will poison you when breathed in at levels found
in even very moldy homes. Such articles do not typically state
that it could never happen, but that there is not significant
scientific evidence that mold in levels found in residential and
office setting has poisoned people.

What Can Mold Do

  * Toxic or not toxic mold is not trivial, in fact mold growth in
your home or office can cause serious non toxin related health
problems such as severe allergy or asthma. Such conditions can be
more serious and more debilitating than many people realize.

  * Mold can make your home uninhabitable for your family and
nearly impossible for you to sell. Selling a home with a mold
problem that you hide can easily get you and your Realtor sued.
We have seen many homes, condos, and trailers, from Key West to
Miami, and West Palm Beach empty because they were to moldy to
live in and just entering the properties can be quite unpleasant.

  * Ignored mold problems can get worse over time and can become
extremely difficult and expensive to resolve. Ignoring a mold
problem can cause a two thousand dollar mold removal job to
become a two hundred thousand dollar mold removal job.

  * Mold can cause flu-like symptoms in mold removal workers if
they are not wearing proper protective gear.

  * Mold can cause serious and even deadly infections, but this
typically occurs in persons who have a weak immune system. In
2006 we conducted an inspection for a Miami resident who had
Aspergillus mold growing in her lungs, and in 2008 we conducted
an investigation for a West Palm Beach lady who had just
recovered from mucormycosis. This is a condition where fast
growing molds grow in the sinuses. This condition is more serious
than your typical sinus infection. In fact, it can lead to death
in a few days.

  * Mold can create foul smelling microbial volatile organic
compounds that in turn cause irritation resulting in allergy like
symptoms and have been shown to increase a child's chances of
developing asthma by 200%.

  * In conclusion current scientific literature does not support
the belief that toxic black mold is a killer. However, mold of
any kind in your house, given the right environmental conditions,
has the potential to become a menace and cause serious allergy,
asthma, and other related health problems.

The article is titled:

Indoor Mold, Toxigenic Fungi, and Stachybotrys chartarum:
Infectious Disease Perspective D. M. Kuhn1,2,3 and M. A.
Ghannoum2,3

Below is a link to that article; just copy and paste the link
into your browser: cmr.asm.org/cgi/content/full/16/1/144#R40






---------------------------------------------------------------------
Daryl Watters is president of A Accredited Mold Inspection
Service, Inc. Toxic mold questions? Our company offers toxic
mold testing, and Black mold inspection services by a certified
mold inspector. If you suspect problems with toxic black mold
or Stachybotrys or just need help, advice, or facts, we have
non-bias information regarding dreaded Stachybotrys:
http://www.florida-mold-inspection.com
http://www.floridamoldinspectors.us
http://www.floridamoldinspectors.us/Mold_Allergy_Inspectors.html
http://www.florida-mold-inspection.com/toxic_mold.html


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   Clean links should point to the Author's links without
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   the paragraph breaks fall, but you cannot eliminate all
   paragraph breaks as some have chosen to do.

* Email Distribution of this article Must be done through
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The content of this article is solely the property
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http://www.floridamoldinspectors.us/



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Balancing SEO Against The Needs of Your Article's Audience

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Article marketing continues to be a proven method for generating
traffic to our websites and developing good search placement,
even after all of these years. I have been reading articles
online since 1995, and I continue to read a few dozen articles
per week on subjects that are dear to my heart.


Additional Article Information:
===============================

1297 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-11-09 13:15:00

Written By:     Hunter Waterhouse
Copyright:      2008-2009
Contact Email:  mailto:hunter.waterhouse@...



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Balancing SEO Against The Needs of Your Article's Audience
Copyright (c) 2008-2009 Hunter Waterhouse
Online Marketing for Local Businesses
http://onlinemarketinglocal.com/



Article marketing continues to be a proven method for generating
traffic to our websites and developing good search placement,
even after all of these years. I have been reading articles
online since 1995, and I continue to read a few dozen articles
per week on subjects that are dear to my heart.

Some Claim That Article Marketing Does Not Work

Now and again, I will read a thread in a forum somewhere where
somebody claims that article marketing does not work.

Some article-marketing critics will admit that they have only
distributed only one or two articles. Well yeah, I can see why
article marketing did not work for them - because they did not
work at making article marketing profitable for them.

Article marketing is like any other method of advertising. If you
don't make a real investment in it, then you cannot reap great
rewards from it.

The Marketing Rule Of Seven

Advertising professionals speak of the "Marketing Rule Of
Seven," which suggests that a consumer must see your marketing
message at least seven times before they start to pay attention
to your message. The pros also suggest that once seven exposures
have been achieved, the consumer will make a subtle, subconscious
connection to the advertiser. Recognition brings rewards, in that
after seven exposures to an advertisement, consumers will start
to feel as if they know enough about the advertiser to trust
their sales message.

If television, radio and print advertisers understand that a
company's sales message must be seen or heard at least seven
times, then why would you - the Internet marketer - think that
you can write a single article and see the full benefit of the
medium?

Successful Article Marketing Requires A Commitment To The Reader

All commerce on the Internet is driven by information, such as
written sales messages and information about products and
services. Some websites also benefit from generic information
concerning topics that their potential clients will be interested
in reading. For example, if a website sells plumbing supplies,
the consumer may find the availability of information about how
to remove the old fittings and how to install the new plumbing
equipment, as an essential element of their purchase decision.

Article marketing when done correctly will not be a boring,
blathering of search engine optimized keywords related to a
product or service line.

Article marketing, when done well, will provide information that
will be of real interest to the person most likely to buy what
you are selling.

For example:

  * If you are selling auction services, give the reader tips to
help them make more money from the sale of their goods in the
auction environment or how a buyer can find a good deal.

  * If you are selling auto warranties, tell the reader how to
uncover the best value in an auto warranty plan and what features
to seek.

  * If you are selling resume services, give the reader advice on
how to write their own resume.

Article marketing when used well can help a company establish
itself as an expert in the field, and it can help show a reader
why hiring the author's service might be better than a
do-it-yourself project. As an example, with the resume advice
article, once the reader sees how comprehensive your knowledge is
and how detailed a resume should be, the reader may just decide
that using your resume writing service will be much more
productive than the do-it-yourself resume.

Just Like Lawyers, Writers Specialize Too

Beyond the cost of labor, content development is usually the
second most expensive expenditure made by the online vendor. It
is important to note that just as there are lawyers who
specialize in one area of law, there are also ghostwriters who
specialize in certain types of content creation.

People who write sales copy are referred to as "copywriters."
Copywriters are people who understand the nuances of how to make
people buy what you are selling.

They understand that replacing a single word in the sales copy
could mean the difference between lukewarm sales numbers and
red-hot sales numbers, and they know which words to change.

Some professional copywriters have a proven track record of
writing sales copy that has generated millions of dollars in
sales - people such as Frank Kern, Dan Lok, and Joe Vitale. These
guys know the value of their copywriting skills, and they charge
accordingly. If you ask them to write sales copy for you, don't
be surprised when they quote you a price in the range of $5-20
per written word.

Other writers might specialize in writing books, brochures, and
articles. Some writers specialize in the smaller word counts,
like the folks who write greeting cards and book jackets.

Finding The Best Writer For Your Needs

The kid down the street who writes part-time for the newspaper
may or may not be the best person to write your online articles
for you. One reason is that people who write for offline
publications seldom appreciate the importance of keywords in an
article for search engine marketing purposes.

Note this article for example. Our purpose is to show you how you
can use article marketing as a successful marketing tool for your
business. We also want to show how the articles should appeal
both to the reader and the search engine algorithms.

With these thoughts in mind, when you are finished reading this
article, read it a second time to see how many variations on the
following SEO keyword phrases can be found in this article:
article marketing, search engine marketing, keywords,
advertising, content creation, writers and copywriting. Of
course, copywriting is not the kind of writing we do, but people
who do not understand the specialization of writing skills might
type "copywriting" or "copywriters" into their favorite
search engine to find someone who writes informational articles.

One never knows precisely what the public will use as their
search keywords when they go to the search engine to find
information. That is the very reason why a good online article
writer must strive to showcase a range of similar keywords within
the context of an article.

Your Article Marketing Strategies Influence Your Overall Success

We know that some people tell you that the only reason to write
an article is to get a link back to your website. What most of
these people don't tell you is that most websites that accept
reprint articles do so, only after a human has reviewed or at
least scanned the article.

An article that does not read well will never be published on a
top-tier website. Yes, some websites may accept a poorly written
article, but more sites will only accept well-written articles.

A reader who is not impressed with your article will seldom reach
your resource box, so the link back in the resource box can only
give value to your website from the search engines - maybe. The
search engines generally only give value to articles on good
websites or those placements that have lots of links pointing to
the article within the website. Bad articles don't get published
on good websites, and they do not attract links.

As the Marketing Rule Of Seven should indicate, multiple articles
generate a long-term wave of new links and potential visitors to
your website.

Consistency is also important to a successful article marketing
campaign, in that releasing weekly articles will enable your
readers to see your marketing message regularly.

Finally, the smart use of a variety of related keyword phrases
will strengthen the ability of your article to appeal to the
search engines and the people who use them.

If you can balance the needs of your article's audience against
your need for search optimized content, then you can benefit
handsomely from your article marketing campaigns.




---------------------------------------------------------------------
Hunter Waterhouse has been ghostwriting and building websites
since 1999. He is ready, willing, and able to put his experience
to work for Main Street Businesses that seek to generate walk-in traffic to
their stores, from the online exposure of their
business. To learn more about how Hunter can help your offline
business, visit: http://onlinemarketinglocal.com/local-services/


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http://onlinemarketinglocal.com/



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A Free-Reprint Article Written by: Bill Platt

Article Title:
What Kind Of Backlinks Are Best At Helping Your Website In Google?

See TERMS OF REPRINT to the end of the article.

Article Description:
I was in the Warrior Forum, and someone asked what kinds of
Backlinks are worth pursuing. This is my answer to that
query.


Additional Article Information:
===============================

439 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-11-09 13:00:00

Written By:     Bill Platt
Copyright:      2009
Contact Email:  mailto:comments@...


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What Kind Of Backlinks Are Best At Helping Your Website In Google?
Copyright (c) 2009 Bill Platt
the Phantom Writers
http://thePhantomWriters.com



I was in the Warrior Forum, and someone asked what kinds of
Backlinks are worth pursuing. This is my answer to that query.

As an article marketing guy, I bet you can guess my answer.

The answer is that you should have links everywhere your
potential clients are looking to find you.

Very few link directories offer any real value to you.

Many article directories fall into the same trap.

The deal is that for your link to be worthwhile to you, it must
meet one of two criteria:

1. It must be on a page where people actually go to find stuff.

2. It must be on a page that Google or the other search engines
value as a reliable source of information.

If no humans will see your link and the search engines ignore
that link, then your effort will have been wasted.

So, you will want to get your link on a page that someone will
see or the search engines will value.

Article marketing when done correctly helps you achieve this, but
you will find little value from most of the article directories.

Like I said, article directories must either be fully archived by
the search engines, or people must find your article in the
directory.

A lot of article directories are plagued by the fact that the
only people using them are people submitting articles.

So it is important to try to give your articles an audience
outside of the article directory, where your potential clients
actually go to pick up information.

This is why quality content is most useful in article marketing.
Sure, the cheap article spinners can give you a few links, but if
those links do not meet the two criteria of human visitors or
search engine recognition, then those links are worthless to you.

Pure link counts only serve to tease your ego. I don't consider
an article valuable until it can put money in my pocket.

So I focus on getting my articles to publishers who will use the
content - preferably publishers that have lots of loyal visitors
and possibly even serious recognition from the search engines.

If the article delivers either humans or search engines, then
your article will have paid for its creation. If the article
delivers neither, you will have wasted your money, time and
efforts.

So lead with great content, and seek publication on websites that
cater to your target audience, especially when some of those
websites are authority websites that your target audience
appreciates and respects.

Links is one thing, but links that put money in your pocket
should always be the goal.




---------------------------------------------------------------------
Bill Platt has been providing article marketing services
since 2001, including article ghost writing and article
distribution services, through his website at:
http://thePhantomWriters.com/ He recently created a free
ebook titled, "Article Marketing: Beyond the Basics":
http://thephantomwriters.com/ebook-beyond-the-basics/
You can also listen to Article Marketing Tips and
Tutorials at: http://ArticleMarketingConceptsRadio.com/


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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
   must be retained with articles. You can change where
   the paragraph breaks fall, but you cannot eliminate all
   paragraph breaks as some have chosen to do.

* Email Distribution of this article Must be done through
   Opt-in Email Only. No Unsolicited Commercial Email.


* You Are Allowed to format the layout of the article for
   proper display of the article in your website or in your
   ezine, so long as you can maintain the author's interests
   within the article.

* You may not use sentences from this article as an input
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   order to build an article with software. The copyright on
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3010 E Raintree
Stillwater, Oklahoma USA 74074


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http://thePhantomWriters.com



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Dear Publishers,

Please feel free to publish the following article (in its entirety) in your
publications as long as the bio at the end of the article is included and links
are made active if possible.  Please do not make changes without permission.  A
courtesy copy of the publication this article is included in would be
appreciated; my e-mail is Plantldy98@....



Turkey Recipe Craft
By: Monica Resinger
http://homemakersjournal.com

This would make a cute hostess gift. It's also a fun and easy craft for kids to
do.

Materials:
small brown paper bag
orange and yellow construction paper
6" piece of tan yarn index card
magazine page with dark brown colors on it
1 cup rice
brown acrylic paint
small piece of sponge
stapler or glue
black marker
hole punch
newspaper

For the body, cut off the top half of the small brown paper bag and save for use
later. Put the 1 cup rice in the bottom half then bring the top of the bag
together and to a point then staple at that point. The bag should now be stapled
closed so the rice will not come out. Put a small puddle of brown paint on a few
layers of newspaper. Dip the small sponge into the puddle of paint then pat on
the newspaper to take off excess paint. Now, dab the sponge all over the bag
with the rice in it.

For the wings, take the top half of the bag and cut it at each side so you end
up with two pieces the same size. Dab these pieces with the sponge and brown
paint on one side as you did for the bag with the rice in it. Let dry. Fold
these two pieces accordion style then staple one end together so you have a
small fan. Now staple or glue one fan to each side of the 'body'.

For the legs, cut two 1/2" X 8" pieces of construction paper. For the feet, draw
two 2" cup shapes with three 1/2" toes and cut them out. Staple one foot to one
end of each leg, then glue top of the legs to the bottom of the `body'. For the
tail, cut the brown colored magazine page to a 5" X 7" rectangle then fold into
a fan and staple as you did for the wings. Glue or staple the tail to the back
of the `body'.

For the head, cut out a 4" light bulb shape from the orange construction paper.
The head is the bigger part of the light bulb and the neck is the smaller part.
Cut a 1" X 2" diamond from the yellow construction paper and fold in half the
long way for the beak. Glue the back of one folded side to the head in the
middle in beak position.

With the marker, draw on two eyes above and on the sides of the beak. You can
also color in a red tongue with a red marker or crayon inside the beak if you'd
like.

Now your turkey should be finished all that's left to do is attach the recipe.
On the index card, write the following recipe:

Gobble-Good Turkey Casserole

1 can cream of mushroom soup
1 can cream of celery soup
1 package onion soup mix
1 cup rice
1 1/2 cups milk
2 or 3 cups leftover turkey

Combine all ingredients in a large casserole dish. Bake covered 45 minutes at
350*. Punch a hole in the left corner of the recipe with right side facing.
Thread the tan yarn through the hole, then tie around the neck of the turkey and
secure with a knot. This turkey looks really cute sitting on a shelf with legs
dangling in the kitchen.

Check out the Holiday E-book Package (includes 9 holiday e-books!):
http://homemakersjournal.com/ebooklets.htm#Holiday%20E-book%20Package
Monica is the founder Homemaker's Journal E-publications, the growing home of
many fun and informative home and garden e-books, tip sheets, articles and more!
http://homemakersjournal.com/
Get a FREE Slowcooker Recipe E-book when you subscribe to Monica's FREE e-zine
for homemakers!  To subscribe and receive instructions for picking up your FREE
e-book, just send a blank e-mail to: 
HomemakersJournal-subscribe@yahoogroups.com






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