Unfortunately it is not that simple. You can't just put your website up, sit back and watch the orders roll in. You have to actually let people know that you exist, what you have to sell, what you have to offer and of course how to find you.

A website will give you an inexpensive store front that is true, but people need to find your store front. You could dump thousands upon thousands on advertising which may or may not return the result you were looking for, or you could implement the technique I am about to share with you.

Chances are since you are starting your web based business you have very little money to spend on advertising; therefore you need to find creative ways to get the word out about your online business.

Start with your local newspaper and a press release. A press release is a newsworthy article that you have written about your business, what it offers and so on. The keyword there is newsworthy. If your press release sounds like a sales pitch, the editor will pitch it into their trash bin. Pick up today's paper and read a few articles on businesses in there. Do you see how they made them sound like news? You need to do the same. Just do not forget to work in your web address into the article somewhere so readers know how to get a hold of you.

Once you have a press release perfected, start sending it out to non local newspapers and of course magazines. Remember you are on the World Wide Web, therefore your press release push has to world wide, or at least close to world wide as possible. Each press release should be tailored for the editor that you are sending it to. In other words know who you are sending it to before you send it and add into your release information that would make the editor say, “Hey this is valuable to my readers.”

Also send your release to the correct person. If you sell auto parts find if the publication has an editor that is specific to the auto industry. Every paper lists cars for sale and usually articles on the industry accompany those ads. That is the person your press release needs to get into the hands of.

So far you know what you are supposed to write and who it is to be addressed; now you need to know how that specific editor likes to receive their press releases. There are a variety of ways to send your press release in but only one way the editor likes to receive it. Some like to receive email while others like to get a fax and yet others who still prefer snail mail. Your best bet is to call the editor directly and ask in case you can not find the information on their website.

Now all you have to do is send it in and your virtually cost free advertising on a shoe string budget has begun. Your cost would be maybe some stamps, envelopes, paper, fax charges? This is a small price to pay to getting word out there about your business.

Now get started! The economy desperately needs your business to succeed!

The church will soon meet Jesus in the air. No one knows exactly when He will return, yet we know He'll judge our salvation based on our choosing to acknowledge Him as Savior before men. He’ll determine our worthiness for various heavenly rewards based on our stewardship of the earthly possessions He divided to us.

Millions of unsaved people in your community and throughout the world need to be saved so they won't be judged to eternal hell fire. This should cause godly stewardship to arise from your relationship with Christ to produce abundant giving today to meet ministry needs, a lifestyle that lives off less than is received in income, and consistent saving to take care of your future responsibilities and emergency needs in case Jesus tarries awhile.

You need stock, bond, and guaranteed investments like money market accounts, certificates of deposits, and treasury bills, bonds, and notes in your portfolio to cover short and long-term needs. The stock market has earned more than government and corporate bonds in the vast majority of twenty year periods that have been measured, however stocks are more risky than bonds over shorter periods of time because they usually fluctuate between highs and lows much more. Bonds can fluctuate in price as well, even government bonds, when you try to sell them to someone else prior to their reaching maturity. However, they don’t usually fluctuate as much because they are normally based on a guaranteed yield at maturity that is much lower than the average annual growth that stocks normally produce. The guarantee is made either by the corporation or the government, whichever party is selling the bond.

Money in money market accounts and certificates of deposit normally have lower annual returns that are normally similar or below corporate bond returns. At government insured banks, these instruments are guaranteed by the federal government up to certain limits such as $100,000 per bank holding company. Higher guarantees can be had on these instruments in some instances such as joint and retirement accounts. It is important to peruse the FDIC.gov website so you’ll know what the guarantees are so that you can place money in these accounts in as many bank holding companies as necessary to protect your principle because the portion of your portfolio placed in these savings should be your six month emergency fund and any moneys that you may need to withdraw within five years due to anticipated living expenses, home purchase, replacement car purchase, etc.

Generally speaking, your portfolio should contain more than 50% in diversified stock mutual funds when you’re younger than 50 and contain less than 50% in diversified corporate and/or government guaranteed saving instruments. When you reach 50 years of age you should take an assessment of your risk tolerance and adjust your portfolio weightings so that bonds and government guaranteed savings are used to a greater degree when you find that you will need the money within five years or you simply don’t have many years to recover from a serious cyclical stock market downturn or you just don’t have the stomach to take inevitable stock market downturns in your retirement years.

Through it all, craft your investment plan to invest in seven or eight different vehicles and re-evaluate it annually and don't worry about day-to-day stock market swings and economic cycles since you're generally invested for the long haul based on biblical financial principles. This roadmap will help you be a good steward who prospers immensely.

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Proverbs 11:14, Ecclesiastes 11:2, Luke 19:13, Acts 6:2-3

PLEASE FORWARD THESE BONDAGE BREAKING ARTICLES TO OTHER PEOPLE WHO CAN USE HELPFUL INSIGHT!!!

Here are a few points you should consider when choosing investments and diversifying. Don't invest money with any financial counselor, brokerage firm, fund company, or bank until you've researched them and competitors and the investment vehicles they offer. You can quickly check on the individuals and firms by calling the federal and state banking & securities divisions to ensure that they are properly licensed and to make sure they do not have an unreasonable amount of complaints filed against them.

Next, ask for and inspect the investment prospectuses for each investment vehicle to see what their one-year, five-year, and ten-year investment returns and expense ratios have been. This will generally denote that you should be investing in mutual funds until you are very knowledgeable about other types of investments (individual stocks, futures, oil & gas leases, etc.) and have set aside a small portion of money you’re willing to risk to determine if you have the skill to make money in those investments.

Many of the mutual funds you choose to purchase will have an electronic funds transfer provision that will allow you to immediately start investing in them by giving the brokerage house authorization to electronically transfer as little as $50 per month out of your savings or checking account that it will use to purchase shares of the mutual fund you choose to purchase. The electronic funds transfer option allows you to avoid the minimum start-up investment (normally $1,000 or more) that many funds require for people who send checks to the investment firm. If you can't or don't wish to use an electronic funds transfer option, then it's worth your while to save the amount of money needed to meet the required minimum investment for the investment vehicle you want to invest in.

Don’t let market conditions fool you. It is always a good time to invest in mutual funds if you have taken care of the basic elements of your financial plan like adhering to a spending plan that keeps your monthly expenses below 70% of your take home pay, faithfully tithing and offering to you local church, saving six months of your take home pay in a money market account, eliminating all your debts (except your mortgage), being committed to never co-signing for anyone else’s loans/debts, saving for the short-term (a period less than five years until you need the money) and investing for the long-term horizon (five years or more until you will draw from the money but can afford to lose principles and is willing to take the risk).

Market downturns are perfect for doing what you really need to do to make money investing: buy when share prices are low and later sell when share prices are much higher. Yet, when investing for the long-term it is simply good to consistently invest month after month, which is called dollar cost averaging, because market history over the past decade has shown that very few 5 and 10 year periods have experienced share prices being less at the beginning of the period than they were at the end of the period.

Of course, past results are no guarantee of future returns. However, you can be very comfortable that being invested after your financial ducks are in a row will put you in a much better position and cause you to greatly exceed the inflationary factors in our economy that would otherwise diminish your assets over each 5 and 10 year period of time. So, by all means start investing or start working to create the situation in which you can use this great income producing and wealth building tool (investing) to enhance your life and ministry and thus enhance the lives of many others.

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Proverbs 6:6-11, Proverbs 30:25, Luke 19:8-10, 1Timothy 6:17-19

PLEASE FORWARD THESE BONDAGE BREAKING ARTICLES TO OTHER PEOPLE WHO CAN USE HELPFUL INSIGHT!!!

• How creative are you? - Get creative! Catch the eye of the viewer.
  
• Is it entertain able? - Make it something that says, "This event is going to be spectacular! Why aren't you getting tickets?"
  
• Did you leave an impression? - You should try to leave an impression so the viewer will tell family and friends, and maybe next year they'll invite more people to the event. Or that person could tell someone else who is in need of an advertisement done.
  
• How effective was your impression? - How about when you make an impression that you make an impression with such an impact that maybe you can attract more people to come to your company. Or even attract bigger companies.
  

By keeping these little tips in mind, you could probably attract more business. No budget should be a problem for you with these tips. Just remember: Creative, entertain able, and impression. By following this you'll have no problem building a better clientele.

Say you have a new brand you need to promote and raise top of mind awareness quickly. But you've a budget that is hopelessly pathetic. Plus the fact that your boss is breathing down your neck. What can you do? If you have been developing good relationships with the media, this is the time it would come in handy. If you haven't, you should start, quickly.
The thing to remember is that you need to have open and honest communication with the media. This is because you can only control your end of the message. You can't control what the reporters will write about your brand. The report can make or break your brand, so remember to do your homework first before jumping into the frenzy. Know who you want to reach. Pitch your stories to the right media. Be sure to make your releases newsworthy. Provide good story ideas and angles in your press kits and releases. Always be ready and available to field questions from the media. Relevance and timeliness are important factors to consider. Know your surroundings and what your competitors are up to. Plan your news releases to coincide when an event that will add to your visibility. Say if you're launching an environmental friendly car, you pitch the story to the media to tie in with World Environment Day for example.

An editorial gets you through the clutter of advertisement. It is more believable than an ad and it gives your brand more credibility. You'll get your eyeballs and it's more cost effective than buying ad space. Although you don't have much control over how the article could turn out, a positive story could at least get your boss off your back and get your brand off on a good footing.

 

Capital budgeting is a huge part of business. Being able to make the most use of business capital through budgeting is a necessary part of making the business a success. Capital budgeting enables a firm to allocate money for its long term investments such as machinery, research, development projects, new products and others.

It is indeed true that during tough times, those who have more tend to spend more. People at the lower end of the food chain are also more affected in a recession. Those who cater to the super rich tend to be insulated during when the economy is not doing so well.

Aspirational buyers may not be as liquid as the super rich but they are numerous. They make up a huge part of the population. Their sheer number could influence market trends. According to Andrew Peck, manager of the Baron Asset fund, “the next big frontier for many of these luxury retailers is emerging countries, where growth is faster and the number of affluent people is growing even faster. There are opportunities ahead for them in markets like China and India, where many new millionaires are being created every day.”

John Buckingham is right when he cautioned these "aspirational buyers" not to depend on their shares of stocks alone in times of recession or stock market weakness. An important aspect of capital budgeting is to be able to account for the investment conservatively. The rule never to count the chickens unless they are hatched applies particularly to investments. Knowing the minimum acceptable return of the investment which is termed hurdle rate could help determine the future value of the said investment.

It is important to be conservative in our estimate of investment returns in accounting for capital budgets. Since the super-rich have nothing to lose, the would-be affluent investors should be very cautious in using their capital budgets in investments.

Key One is stick to the fundamentals

Base you budgeting assessments on guaranteed income. Don't make the mistake of predetermining possible flows of revenue. This kind of financial anticipation can lead you down the path of bankruptcy.

Key One A

Two out of three people who attempt a long term second job are able to sustain two jobs and a home life. There is also a good possibility that a second job may even yield less by boosting you into a higher tax bracket. That extra $150 a week may yield less that half after taxes. A point which can demoralize even the most positive person after a 60 plus hour week. If you do take a second job the best route is to wait and see if you can handle the hours physically and mentally. Then when you are certain you can budget in that money.

Key Two

Look at personal finance budgeting as you would goal setting. Map out short term, medium term and long term plans. Go over your budget history as you go along and adjust as needed. Don't be stubborn allow your goals to be flexible as you can't plan out for the unknown good or bad. Being rigid will only lead you down the road of despair. Brian Tracy a world renown business and life coach preaches the acceptance of things will go wrong. This attitude will take the edge off of anything thrown at you within reason. Again, the keyword is accept not expect or worse be paranoid about the what ifs.

Key Three

Don't mortgage the future for the now or mortgage the now for the future. As many people put the weight of world on their shoulders by overworking and living spartan lives to create the future as those that live in the now undermining their future. Either way destroys morale, family and relationships. Strive for Balance in your daily living. Plan at all times to have time for a life. We are not superheros. We have needs and reasons for relationships and purpose in life. Your financial planning has to take this into account. Yes, it may take longer to reach your goals. The benefits are maintaining relationships, physical health and the original objectives of your goals.

Key assistance

Do you need expensive software or have a need to hire a full time financial planner? Most of us regular folks (never say ordinary because you are not) really don't need to. Barbara Swenson in her article Budgeting Your Money So You Don't Go Broke points out this free (yes our personal finance budget loves that word) alternative: Instant Budget Maker hosted at CNN a trusted name in news and finance.

Infusing the keys into your personal finance budgeting.

This is an art not a given. Have a sit down with a financial planner if you can. Use resources like Instant Budget Maker. Think twice before buying a software like Quicken or others if you normally do not use software of this nature. Purchasing a software you will not use in the long time is not an investment (a common word use to justify frivolous buying). Unlike that exercise equipment you don't use, expensive software cannot double as a clothes hanger.

Do your homework and get as much information as you can. I avoided discuss risk taking here. The reason being is first before you can take risks, you need to build a solid foundation. Ask questions and don't go by the sit of your pants. If you are single your main concern is being realistic. You can't plan for suddenly being in a relationship. Whether single, in a relationship, or (worse) married you have to nurture yourself (or selves) and your environment. This is overlooked by many who on the surface are considered a success by reaching their financial goals but have little else than material things to show for it. "Sitting in the night savoring a vintage wine is satisfying moment. Sitting in the night savoring a vintage wine with the right person is a satisfying moment which you will savor over time."

Next, you need to estimate the possible revenue or the outcome you may gain without advertising and after advertising. If the difference is large then go for that type of advertising whether giving ads in newspapers or magazines or through television etc. Now you have estimated that you will gain profit through advertisement, you are going ahead to arrange further. Estimate the cost incurring for the media people, the venue,special arrangements like snacks, etc.

Plan your budget accordingly to call how many audience or spectators should be there. If the cost goes too high, cut the number to only few VIP's. Once you decide how much is the budget, adjust and allocate this to individual tasks. Proper planning is absolutely essential for any advertisement to become successful.

How do I find a good home to rehab?

In my experience, it is usually the real estate agents who come across properties that are excellent candidates for rehabbing. Most realtors will be happy to send you new listing as they come up.

Look for homes that have been neglected from a maintenance and cosmetic standpoint, but without serious structural problems. Every house will have a different potential for return on investment so educate yourself on the neighbourhood and what you might realistically expect to get.

If you look for vacant, abandoned or boarded up properties, you can often get the owner to help with the financing by way of a “vendor take back” mortgage. Not only are they motivated, but knowing that you intend to resell the property in the near future all but guarantees a quick return of their funds.

How do I estimate the cost of repairs?

This is not as difficult as you might thing. Once you have flipped a few houses, you will have a pretty good grasp of what things costs.

For those repairs you cannot do your self, you will need to find professional contractors. The best way is through referrals. Whenever using contractors, get a few quotes and referrals and make sure they put everything in writing. Once you find the best contractors, you can stick with them from project to project.

If this is so great, why doesn’t everyone do it?

The first reason is time. Time commitments vary from project to project and from person to person. If you plan on six months from start to finish, this means you will not see any profit for six months. Hopefully, your project will be completed sooner, but it could also take longer!

The second reason is the seed money. You have to come up with money for these projects not only to purchase and repair the property, but to carry the associated costs of another house until closing. A good deal with great potential is lost if you cannot afford the initial investment.

You also have to learn that financing is not always straight forward. Qualifying for a mortgage depends on things like credit rating, income, down payment, etc. Few conventional lenders will be anxious to lend based on your projected returns so you may have to turn to a broker who is specialized in hard-to-place mortgages.

I have the house, now what?

Once you have the house and can start on the project, you really need to keep one thing mind – your goal is set your house apart from every other property for sale in your neighbourhood.

Since curb appeal gets them in the door, get the front of the house looking fantastic and replace the roof and windows if needed. Buyers like to see that these items have been replaced due to their perceived expense. Modernize the landscape and outdoor fixtures and doors. The house that looks up-to-date is going to attract the most attention.

If your house does not have central air conditioning, have it installed. Not having central air tends to solicit a negative response, since it is almost expected now.

Hardwood floors are extremely desirable so if your house does not have hardwood floors that can be refinished, have them installed. If your budget prohibits the entire house from being fitted with hardwood, just do the living room and dining room. There are plenty of inexpensive but modern choices in ceramics and carpeting. Bathroom and kitchens sell houses, so plan on spending the bulk of your budget on these rooms. Try to incorporate some luxurious touches that add that extra appeal – such as whirlpool tub or potlights.

I’m done, now what?

Much like a model home, you need to present your rehabbed home in the same light. Borrow or rent tasteful furniture and accessories to demonstrate to your potential buyers how well the house functions.

Rehabbing or flipping houses is not for everyone and it is not guaranteed income, but it is fun and potentially rewarding for those who like a creative and hands-on approach to earning money!

Taking a piece of ice from a decanter, he lifted it high for inspection. Then he handed it to his neighbor, requesting him to pass it from hand to hand to the King. By the time the piece of ice, originally as big as a man's fist, reached Frederick, it was about the size of a pea.

Budget: a mathematical confirmation of your suspicions. If you want to have money to invest during the last third of your life, you must invest money in yourself during the first third of your life.

Just a reminder; It's good to have money, and the things that money can buy; but it's good also to check up once in a while and make quite sure that you haven't lost the things that money can't buy.