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Ecclesiastes 3 9-13

  • 9. What does the worker gain from his toil?
  • 10.I have seen the burden God has laid on men.
  • 11.He has made everything beautiful in its time. He has also set eternity in the hearts of men; yet they cannot fathom what God has done from beginning to end.
  • 12. I know that there is nothing better for men than to be happy and do good while they live.
  • 13. That everyone may eat and drink, and find satisfaction in all his toil--this is the gift of God.

Saturday, January 31, 2009

MLM Network Marketing – How to Receive the Right Training

22nd January 2009
MLM network marketing, also referred to as multi-level marketing, is one of the few businesses rapidly expanding during this tough economic time. Some people aren’t able to rely on their current employment situation and want to put their future in their own hands, while others simply want to make some extra money on the side. Whatever the case may be for you, you can join the thousands of people already looking into MLM network marketing. After deciding MLM is for you, the first step in becoming successful in the MLM industry is getting the proper training.


There is no one single solution or formula to follow, if so then everyone would be doing that, but there are a few rules for which to look when researching MLM network marketing training. The most important thing to note is the MLM training world is changing. The main difference is that not many people cold call anymore. Why? Because it’s not as effective as it once was. More people are turning to new training through the Internet to expand their business. By doing the proper research now before you get started can help you eliminate the wasteful tactics no longer successful is this business.


When starting out in the MLM network marketing world, you have to decide whether you’ll be an independent distributor or recruit your own distributors. This is known as a downline in the MLM world. There is no wrong choice in this matter. It really depends on how large you want your network to be. If you prefer doing business on your own, then being an independent distributor is the perfect choice for you. You can control your customer base and the amount of business you do because you are your own boss. However, if you want a team working under you to constantly expand your MLM business, then you need to recruit a downline. The good thing about MLM networking is you can start out small and easily transform into a larger business by adding a downline later.

With all the options out there to start a business, you’ll easily find the one that suits you the best. To receive additional information on MLM network marketing training, check out our Web site for everything you’ll need to get started. We’ll show you how easy it is to get started without the hassle of making cold call after cold call. While many training demonstrations can confuse genuine MLM networking with illegal pyramid schemes, our Web site can show you how to start your own MLM network marketing business legitimately and easily.

"Do you know network marketers blow thousands of dollars every day on
unresponsive MLM lead generation services? Are you one of them? Learn
how to attract only responsive Network Marketing leads virtually free and
kiss rejection goodbye forever."

http://www.mlmincomesetup.com

If you want to get in touch with Jikly or learn more about network marketing success please visit: http://www.jikly.biz
FHTM
Detroit
Business
http://www.charlesprimas.com/

Thursday, January 29, 2009

Americans receiving jobless benefits hits record

Associated Press

By CHRISTOPHER S. RUGABER , 01.29.09, 10:31 AM EST The number of people receiving unemployment benefits has reached an all-time record, the government said Thursday, and more layoffs are spreading throughout the economy.

The Labor Department reported that the number of Americans continuing to claim unemployment insurance for the week ending Jan. 17 was a seasonally adjusted 4.78 million, the highest on records dating back to 1967. That's an increase of 159,000 from the previous week and worse than economists' expectations of 4.65 million.

As a proportion of the work force, the tally of unemployment benefit recipients is the highest since August 1983, a department analyst said.

The total released by the department doesn't include about 1.7 million people receiving benefits under an extended unemployment compensation program authorized by Congress last summer. That means the total number of recipients is actually closer to 6.5 million people.

Businesses continued to hemorrhage jobs Thursday. Ford Motor Co. (nyse: F - news - people ) reported a fourth-quarter loss of $5.9 billion and said its credit arm would cut 20 percent of its work force, or 1,200 jobs. Eastman Kodak Co. (nyse: EK - news - people ) said it's cutting 3,500 to 4,500 jobs, or 14 to 18 percent of its work force, as it posted a $137 million quarterly loss on plunging sales of photography products.

BATS Real-Time Market Data by XigniteIn another sign of the deepening recession, the Commerce Department said Thursday that new orders for durable goods dropped by 2.6 percent last month, even worse than the 2 percent decline economists expected. Orders fell 5.7 percent for the year, the second biggest drop on government records, exceeded only by a 10.7 percent plunge in 2001.

The financial markets fell on the news. The Dow Jones industrial average dropped about 110 points in morning trading. The tally of Americans filing new jobless benefit claims rose slightly to a seasonally adjusted 588,000 last week, from a downwardly revised figure of 585,000 the previous week. That also was worse than analysts' forecast of 575,000 new claims.
The number of initial claims is close to the 26-year high of 589,000 reached in late December, though the work force has grown by about half since then.

The record number of ongoing benefit claims is an indication that laid-off workers are having a difficult time finding new jobs, economists said.

"This highlights the key point that the trend in gross hirings has slowed as abruptly as the trend in gross firings ... has risen," Ian Shepherdson, chief U.S. economist for High Frequency Economics, wrote in a research note.

A year ago, continuing claims stood at about 2.7 million, less than half their current level when the extended unemployment program is included.

Abiel Reinhart, an economic analyst at JPMorgan Chase (nyse: JPM - news - people ), said the report indicates the unemployment rate likely rose this month. January's figure will be released Feb. 6.

The rate jumped to 7.2 percent in December, a 16-year high. Employers cut an average of 510,000 jobs in the last three months of 2008, and may cut a similar amount in January, Reinhart said.

The crush of new and continuing claims has overwhelmed many states' ability to process them all. Electronic filing systems crashed in three states earlier this month, and last week Michigan said it would hire 276 workers and open a fourth call center to handle increased phone traffic.
President Barack Obama's $819 billion economic stimulus package, approved by the House Wednesday and now on its way to the Senate, would provide $500 million to the states to upgrade their unemployment insurance systems. The measure also continues the extended unemployment compensation program, which adds up to 33 weeks of benefits, until the end of the year.

Companies have announced a huge number of layoffs this week as they prepare for an extended period of economic weakness. Economists expect the current recession, which began in December 2007, to be the longest since World War II.

Starbucks Corp. (nasdaq: SBUX - news - people ) on Wednesday said it would cut 6,700 jobs. The coffee company also said it would close 300 underperforming stores, on top of 600 it already planned to shut down.

Time Warner (nyse: TWX - news - people ) Inc.'s AOL division is cutting up to 700 jobs, or about 10 percent of the online unit's work force. And IBM Corp. (nyse: IBM - news - people ) has cut thousands of jobs in its sales, software and hardware divisions in the past week, without announcing specific numbers.

Boeing (nyse: BA - news - people ) Co., Pfizer Inc. (nyse: PFE - news - people ), Home Depot Inc. (nyse: HD - news - people ) and other U.S. corporate titans also have announced tens of thousands of job cuts this week alone.

Companies have announced about 130,000 layoffs in January, according to an Associated Press tally.

FHTM
Detroit
Business
http://www.charlesprimas.com/

Monday, January 26, 2009

Eldon Beard: How Network Marketing Cures the Linear Income Problem

By: Eldon Beard | Posted: 25-01-2009

What is "linear income" or "residual income", and what does this mean to you? These terms explain the difference between income you make from working a traditional job, and income you receive from your own network marketing business.

Let's take a look at the difference, and what it means to you.

Linear income is what you earn at a traditional job. You only get paid when you are actively working. Regardless of whether you're paid hourly, on commission, or on salary, your income is based on the time and effort that you and you alone put in.

One of the bad things about linear income is that you don't have many options. If you decide to work fewer hours, for whatever reason, your income will immediately drop. In the case of a salaried position, you may not even have an option to work fewer hours. This seriously limits flexibility for parents who wish to spend more time with their kids. If you want more from life that working at a boring job all the time, you'll typically be limited in your choices.

If you're stuck in this rut, you know what frustration is all about. How much you get paid and any raises you get are dictated by your boss, or a board of directors somewhere. Your boss controls your hours, the time you get up in the morning, when you can have a vacation, and in some cases what you do on your own time. You have a job as long as your supervisors like you or think you're useful - no longer.

In recent years, the trend in America has been for companies to cut positions and assign increased responsibilities to fewer workers. How many people do you know that do the same job, by themselves, that two or more people did just a few years ago?

While there is nothing wrong with working hard, and cutting costs to remain competitive, the fact is that employees in many companies now face much longer hours and greater responsibility. Along with this comes increased stress and unhappiness.

How do most people live their life? They go to work day after day, hoping to make it to retirement age so they can get out. Do you know what is really sad? By the time many people reach retirement age, they still find themselves limited in what they are able to do. Many dream of retirement so they can travel, or just sit back and enjoy life.

Unfortunately, far too many retire and then have to re-enter the work force on a part time basis to make ends meet. They most likely will always have to keep a job just to pay all their bills and live comfortably. It just shouldn't be this way.

A lot of people think that there are only two ways to make a "real" living - working a traditional job, or owning a storefront business (such as a franchise). Feeling that they have little choice, they easily slip into a rut. They get up, go to work, come home, then go to bed. The next day, it starts all over and repeats until they reach the weekend. They get two whole days to enjoy themselves, then it starts all over again....get up, go to work, come home, go to bed. Month after month, year after year.

Now, here is the contrast between linear income and residual income.

Let's say I write an e-book called "How to Make Your Cat Obedient". Yeah right. Anyway, I write the e-book and package it up ready to download.

Scenario #1 - I have been hired to write the e-book by an online publisher. The publisher pays me $1000 when I complete the project. That is linear income. I make $1000 one time for my work in writing the e-book, then move on to a different job or project.

Scenario #2 - I write the e-book and put up a web page to promote it. I advertise the e-book and recruit some affiliates to help me sell it. Every time someone buys a copy of my e-book, I make a net profit of $20. This happens every time someone purchases my e-book, for as long as I choose to sell it. Once I have written the e-book and set it up for sale, it makes money for me while I move on to other things. This is residual income.

See the difference?

Linear income equals one project, task, or block of time for your efforts in exchange for a fixed amount of money. You never get paid again for that project, task, or block of your time.

Residual income = one project, task, or block of time for your efforts that pays you over and over.

Perhaps it's time for a change? A network marketing business can change your life. This business can bring you more freedom and flexibility than you've ever known.

If this sounds interesting, are you willing to focus and work hard for 3-5 years establishing your own home business and building a full time income? Consider it seriously - it's a decision that can change your life.

About the Author:
Eldon Beard is an entrepreneur who enjoys helping people start their own network marketing / MLM business, or successfully promote their existing business. He is a recognized leader with Watkins Products, and is ready to help in any way possible.

Printed From: http://www.articlesbase.com/business-articles/how-network-marketing-cures-the-linear-income-problem-738134.html



FHTM
Detroit
Business

Monday, January 19, 2009

The Restructuring of American Business


Trend: Jobs will be short-term in the flexible businesses of the future. Employees become independent contractors.

A paper presented by Herb Meyer at the World Economic Forum in Davos, Switzerland which was attended by most of the CEOs from all the major international corporations. Meyer served during the Reagan administration as special assistant to the Director of Central Intelligence and Vice Chairman of the CIA's National Intelligence Council. In these positions, he managed production of the U.S. National Intelligence Estimates and other top-secret projections for the President and his national security advisers. Meyer is widely credited with being the first senior U.S. Government official to forecast the Soviet Union's collapse, for which he later was awarded the U.S. National Intelligence Distinguished Service Medal, the intelligence community's highest honor. Formerly an associate editor of FORTUNE, he is also the author of several books.

Restructuring of American Business

The restructuring of American business means we are coming to the end of the age of the employer and employee. With all this fracturing of businesses into different and smaller units, employers can't guarantee jobs anymore because they don't know what their companies will look like next year. Everyone is on their way to becoming an independent contractor.

The new workforce contract will be: Show up at the my office five days a week and do what I want you to do, but you handle your own insurance, benefits, health care and everything else. Husbands and wives are becoming economic units. They take different jobs and work different shifts depending on where they are in their careers and families. They make trade offs to put together a compensation package to take care of the family.

This used to happen only with highly educated professionals with high incomes. Now it is happening at the level of the factory floor worker.

Couples at all levels are designing their compensation packages based on their individual needs. The only way this can work is if everything is portable and flexible, which requires a huge shift in the American economy.

The U.S is in the process of building the world's first 21st century model economy. The only other countries doing this are U.K. and Australia. The model is fast, flexible, highly productive and unstable in that it is always fracturing and re-fracturing. This will increase the economic gap between the U.S. and everybody else, especially Europe and Japan.

At the same time, the military gap is increasing. Other than China, we are the only country that is continuing to put money into their military. Plus, we are the only military getting on-the-ground military experience through our war in Iraq. We know which high-tech weapons are working and which ones aren't. There is almost no one who can take us on economically or militarily.

There has never been a superpower in this position before. On the one hand, this makes the U.S. a magnet for bright and ambitious people. It also makes us a target. We are becoming one of the last holdouts of the traditional Judeo-Christian culture. There is no better place in the world to be in business and raise children. The U.S. is by far the best place to have an idea, form a business and put it into the marketplace.


FHTM
Detroit
Business
http://www.charlesprimas.com/

Kirk Bannerman: The Three Main Powers Of Network Marketing

Kirk Bannerman

Network Marketing, MLM, and Multi Level Marketing are all terms that refer to the same type of business model. This industry has had more than its share of scumbag crooks and con artists that have used and abused the concept. However, if you do your homework and get involved with a legitimate network marketing organization, this business model has exceptional income potential.

Network Marketing can produce outstanding results if you know a few simple concepts, the understanding of which is critical to your success.

Network Marketing, MLM, and Multilevel Marketing are unlike franchises or conventional businesses in that they take advantage of all three of the important, yet misunderstood principles of:

  1. Leverage of Time and Money
  2. Residual Income
  3. Geometric Growth Through Duplication

Unfortunately these principles are not well understood by many of the people that undertake network marketing. And thats just one of many reasons why so many fail at network marketing. There are lots of other reasons, and it would take volumes to cover them all. But this is one of the more common ones. Because if you dont comprehend and believe in these principles, its impossible to help others fully understand and appreciate them.

First, lets look at LEVERAGE:

Every successful person or business takes advantage of leverage. There are only 24 hours in a day and no matter how talented you are or how much you get paid per hour, if you dont take advantage of leverage youre limited by the number of hours in a day. As a side note, I have heard of cases where an occasional lawyer was billing more than 24 hours per day…but, I guess that’s another story. By learning to leverage your time, you can also benefit from a percentage of other peoples efforts, and dramatically increase your income while creating more free time for yourself.

The unique and wonderful thing about the Network Marketing business model is that everyone has the same opportunity to become the owner of his or her own business - with a fraction of the investment of time and money of a franchise or traditional business.

In network marketing the people at the top definitely have a vested interest in helping others on their team succeed.

Would you rather receive 100% of one persons efforts, or 5% of the efforts of 100 people

Obviously 100% of one is always only ONE. But 5% of 100 is FIVE.

Not only will the total result with leverage almost always be amplified, but your income is not dependent on only one person. If your income is produced by the activities of many, it is much more dependable. Even if something unexpected or negative happens to one or more of those people, it only has a minor effect on the total production.

Its great to get paid while you're sleeping or away on vacation. That's one of the many advantages of leveraging your time.

Now, lets consider RESIDUAL INCOME:

When someone mentions residual income many people automatically think of actors or musicians.

Residual income is recurring income that you continue to receive long after the work youve done to produce it has ended. There are lots of ways to produce residual income. However, many people dont understand it, and still others have never thought about or been exposed to it.

A very simple example of residual income is interest earned on money in the bank or investments. You continue to receive this income without having to invest any more time to produce it.

Suppose you had the choice of doing a job and earning $1,000 once, or getting paid $50/month for the rest of your life…which would you choose If you chose the $50/month you obviously “get” the concept of residual income.

Clearly, $50/month will surpass a single payment of $1,000 relatively quickly. And if it lasts for a few years, or better yet - the rest of your life - it will really be a blessing.

Residual income is certainly not about “getting rich quickly”, even though with the right opportunity its possible to produce a substantial residual income stream in a relatively short time.

Most people who fail at network marketing either choose the wrong network organization or just give up too soon and quit because they expect overnight results. It is important to recognize that the real beauty of residual income is on the back end, not the front, and that once you build it you have the financial security and time flexibility to do just about anything you desire for the rest of your life!

Last, but not least, lets address GEOMETRIC GROWTH DUPLICATION:

The classic illustration of geometric growth is the frequently used penny-a-day example.

If you save one penny on the first day, and double it every successive day, day two you have 2 pennies and day three you have 4 pennies, and so on how much will you have at the end of 30 days

The answer, to the astonishment of many, is $5,368,708! Amazing, but true.

Thats a simple and dramatic illustration of how networking can work. If I can teach you, Ive doubled myself. If we each teach someone else, weve doubled again. As this duplication or geometric growth process goes on and on, it can produce some amazing results in a relatively short period of time, just like the penny example above.

So there you have it, understand and apply these three principles

  1. Leverage of Time and Money
  2. Residual Income
  3. Geometric Growth Through Duplication

and, given sufficient time and effort, you should enjoy a successful and financially rewarding network marketing experience.

About The Author

Kirk Bannerman operates a successful home based business and resides in California. For more details, visit his website at http://business-at-home.us



FHTM
Detroit
Business
http://www.charlesprimas.com/

Thursday, January 15, 2009

Starting up: Starting your own business takes courage, but it's well worth it

January 15, 2009

Here are 5 things you should consider if you've ever thought about going from an employee to an employer.

"The owner of my company has no idea what he is doing!"

What's the biggest difference between employers and employees? Experience? Education? Expertise?

The true answer might surprise you: courage.

Most employees are afraid to take the scary financial leap of faith that their boss took. And considering that the overwhelming majority of people aren't willing to make the sacrifices needed to own or run their own businesses, the rank-in-file will naively hold to unfair misconceptions.

As an employer myself, I'd like to let everyone know that gutsy entrepreneurs can succeed, even in today's business climate. Here are a few valuable lessons I've learned along the way:

1. It is extraordinarily difficult to become rich working for someone else. As Americans, we are lucky in that we live in a country with a gross domestic product that exceeds those of the next five countries combined. In December, I traveled across three continents and became aware that no other country offers the same opportunities we have here in the good ol' USA. If you are dedicated and willing to work, consider becoming rich while working for your favorite boss: You.

2. Estimate how much money it takes to run your own business, then double it. Felix Dennis, a famous magazine publisher, described how to get capital: inherit it, steal it, win it, marry it, earn it or borrow it. I certainly don't advocate stealing it (and few of us are lucky enough to marry, win or inherit it), which means most of us must earn or borrow it. But never underestimate the financial requirements of getting a traditional business off the ground. If money is tight, consider a business that needs little startup capital such as a home-based or network-marketing business. Using other people's money means you play by their rules - which leads me to the golden rule: He who has the gold, rules.

3. A partnership is like a marriage without love. While a good business partner can take a business to dizzying heights, a bad partner can send it plummeting to its doom. Draft a solid legal document that clearly states the terms, rules and expectations of the partnership. Nothing clouds the memory like greed and time. Spending $500 with an attorney now can save you years of heartache and precious financial resources in the future.

4. Darling, luck favors the prepared. Thank you Edna "E" Mode for that insight. Luck rarely finds those unwilling to take a chance. Sweat, passion and perseverance are the most important ingredients to "getting lucky."

5. Take a leap and a net will appear. Don't jump without a plan.

But don't wait for every light to be green before you pull out of the driveway.

Owning and running your own business isn't always fun and games. Even the most prepared bosses encounter bumps along the way. But nothing of value comes without sacrifice and effort.

If you've got the courage, I strongly urge you to consider working for yourself. Words can't describe the feeling of watching your business flourish.

Jeffery Boyle is president and CEO of JUS International, a Boise maker of a new antioxidant beverage.

Starting Up is a series published on Thursdays. The columns grew from discussions between the Statesman and local tech and entrepreneurial leaders and are coordinated by Julie Howard, a marketing specialist for the Idaho Department of Commerce. Reach her at julie.howard@commerce.idaho.gov.

FHTM

Tuesday, January 13, 2009

Direct marketing firm flourishes despite economy

Posted at: 01/05/2009 04:57:54 PM
Updated at: 01/05/2009 05:35:51 PM
By: Mark Mulholland

http://wnyt.com/article/stories/s729809.shtml

GREENFIELD CENTER - With many sectors of our economy struggling, at least one seems to be flourishing -- direct or home-based marketing.

It's called network marketing, and those who are doing it say it's recession-proof.

"I kind of saw the writing on the wall and knew there was a really good chance I wouldn't have a job starting January 1st," said Libby Howe, who lost her job last week.

Howe, a new mom, was a pharmaceutical sales representative.

"Pounding down doors, trying to talk to doctors everyday," is how she described her job.

When the company downsized, Howe, with 12-week-old Avery at their Ballston Spa home, had to decide what to do next.

"It was either I'm going to have to build my life around my work or I could find a job where I could build my work around my life," she said.

Libby chose Arbonne International. She's a consultant, an independent distributor of health and beauty products. Says she likes the idea of doing it on her time.

She's not alone. Beth Tooker of Greenfield Center, Arbonne's regional vice president, says since the economy's been struggling her company's been taking off.

"Arbonne is exploding and we are so excited to see the growth. One huge reason for that is many people's expenses are rising so much faster than their incomes," Tooker said.

A former school social worker, Tooker's income has risen dramatically since joining Arbonne and becoming regional vice president. She says there are thousands of people in her company making six figures and her husband is planning to retire from teaching at 40 because her business is so successful, especially in a down economy.

"Many people are looking to improve how they look and feel and when all of the other pieces in their life are falling apart, that's one thing they can control," Tooker said.

Tooker says the company had 64 percent more consultants in 2008 than 2007. Typical startup costs are between $500 and $1,500.

Sunday, January 11, 2009

3 Deadliest Sins In Network Marketing

Posted by Reyn | January 8, 2009

3 Deadliest Sins In Network Marketing

As a network marketer yourself, you may have come across many temptations and pitfalls that could hinder you from getting your desired outcome.

In this post, I’m going to talk about some of the mistakes most networkers made. All of them are the result of wrong mindset, misinformation and misjudgment.

Here are 3 deadliest network marketing sins that need to be avoided at all costs and how to avoid them.

  1. Joining Too Many Programs at the Same Time

    This is the most common mistake networkers make. Dreaming of multiple streams of income, they often end up with drained pocket. If you have more than one programs running concurrently, your focus will inevitably be divided.

    It will be hard if you’re a beginner. You might not know how to run the system yet. In the beginning, your objective is to understand how network marketing works. Start with one program and stick with it. In reality, a lot of network marketing heavy hitters only have one program until the end.

    You don’t have to worry about multiple income streams. The growth of your organization is exponential. It means that after you reach a certain critical level, your team will grow significantly and it’s better to maintain the growth of your current team rather than making a new one.

  2. Having a Get Rich Quick Mindset

    The biggest illusion in network marketing is making a lot of money…tomorrow. 97% of network marketers fail because their objectives are not met, but it’s not because of the system that is not working, it’s the objectives that are unrealistic. I’ve come across many people set a very high income goal, tried a few methods, failed to meet their target on the first round, blaming the industry and their sponsor and then quit. All happened after a few weeks…some even after a few days.

    The system of network marketing is effective for making money, but the result won’t come instantly. Network marketing is designed to build residual income slowly but steadily. You won’t be rich by tomorrow. Maybe 6 months, maybe 2 years, maybe 5 years…I can’t guarantee. But it’s definitely faster than waiting for your retirement.

  3. Having Doubt in the Nature Network Marketing Business

    Surprisingly, many distributors have serious doubt about the nature of network marketing or MLM. You will know this when you ask them, “is this a MLM program?” To this many will answer, “Uhmm, it’s not really MLM… you just need to recruit new people under you.” Well, then it’s MLM!

    The root cause of this doubt is in the misconception people had about network marketing. In the past, there were many irresponsible people making money fraudulently through pyramid scheme, disguised as network marketing. Pyramid scheme is a non-sustainable business model that involves the exchange of money primarily for enrolling other people into the scheme, usually without any product or service being delivered.

    Pyramid scheme is illegal but I assure you that network marketing is 100% legitimate. Be proud being in one of the most beautiful business models and don’t be afraid to tell your prospects that you ARE a network marketer.


Reyn Aria

Real Life Internet Network Marketer

Friday, January 09, 2009

Internet Marketing Tactics For These Tough Times (From Google and Me!)

Internet Marketing tactics to help you through the tough months ahead. Some tips directly from Google & some tips from a seasoned, full-time online affiliate marketer.

by Titus HoskinsJanuary 09, 2009

As we enter into what many enlightened souls are calling the most dire economic times since the Great Depression, online marketers need all the help they can get - regardless of the source. You have probably heard of Google; but chances are almost 100% certain, you have never heard of me. Lucky you!

Actually, the only thing you need to know about me is that I am a full-time online affiliate marketer and I make a very comfortable living from the web. Last year (2008), was my best year online so far, which left me scratching my head and saying what recession?

But that may be something of a false positive, as I will never know how much I could have made if the economic times had been good instead of bad. Plus, judging from my own limited experience, selling and marketing online may not have been hit as hard as those businesses in the real world in 2008, since consumers are doing everything to save a penny and shopping online has become a much cheaper
alternative for many.

As we enter into these uncertain times, online marketers and webmasters need all the help they can get. Recently, Google mailed a small booklet to its Adsense users; in it Google gives "6 Top Tactics For Tough Times."

It is obviously referring to its Adwords PPC (Pay Per Click) program and clients but Google's advice can be applied to your own general online marketing.

These tactics include: (quoting directly from the Google mail-out)

1. Focus your ads on low prices and savings.

2. Use Value-related keywords.

3. Ensure your ad groups are targeted and relevant.

4. Don't waste money on irrelevant clicks.

5. Make it easy for customers to buy.

6. Focus your money on your high-performers.
(End Quote)

Sound advice and I especially like the idea of focusing your marketing on low prices and savings mainly because people want bargains in tight economic times. I also like the fact that you must make it easy for your customers to buy... something as simple as putting your "order/buy link" above the fold can increase your conversions.

Also, targeting value-related keywords, is a very effective marketing tactic. Relating your keywords to "discounts, bargains, cheap, inexpensive, lowest prices..." will help increase your sales. So too, is catering to phrases that suggest the searcher is in a buying mind-set: gifts, presents, gift ideas, wedding gifts... shoppers searching those words are ready to buy.

Plus, focusing your time and money on your high-performers is solid advice. Sometimes succeeding online is simply finding a market niche that works/performs - then running with it. Once you have found the keywords and products that perform well with your site or sites - focus the majority of your time and energy developing those niche markets.

Now here are some of my most effective marketing tactics that have worked for me and tactics I will be relying on in the coming years - even in these hard times.

o Make Keywords Your #1 Goal

This is the single most important factor for my own online success. You have to make keywords and ranking high for them in all the search engines your main objective if you're marketing online. Might sound obvious, but many beginning marketers don't truly understand how important getting top rankings for your chosen keywords will be in your online success.

Target less competitive long tail (multi-worded) keywords to get started and slowly work your way up to more popular keywords. Center your marketing around getting those first page listings (Top Five) for your keywords. Achieve this goal, (especially in Google) and it will be almost impossible for you not to succeed and make a profit with your online marketing even in bad times.

o Autoresponders, List Building & Online Relationships

Keeping in contact with potential buyers is mission critical. You must use autoresponders to send follow-up messages to build trustful relationships with your potential customers. Establishing this personal contact or trust is very important because the Internet is still a cold distrustful environment for most people.

So building a large contact list is essential. That's why the social networks such as Twitter, Facebook, MySpace can be very effective marketing tools for building this online contact and trust. Truth be told, all these social networks are, more or less, just glorified autoresponders and list builders!

o Your Unique Selling Position

You must give potential customers some very good reasons for them to buy from you or your links. Offering special bonuses and discounts works wonders for your sales. Some of my most successful pages simply consists of coupons and discounts offered by different companies. If buyers can save $100's OFF by buying thru your links, they will.

Always remember, besides looking for the best deal or bargain, consumers are also looking for a quality product. If you're into affiliate marketing, only pick top quality products to promote. Picking top brand names also makes it easier to make sales. So too is only promoting popular online merchants like Amazon, can be an effective marketing strategy. Most importantly, always remember consumers are also looking for INFORMATION on the products they are considering buying, give them helpful information and you will succeed.

o Find A Niche You Enjoy

There are millions of profitable niche markets you can choose from - pick one that truly interests you and run with it. Your favorite hobby or something you enjoy doing in your spare-time. Picking a niche market that you like is a key factor, you won't mind spending your time exploring and exploiting it. Just won't seem like work because you will be having fun while you do your marketing.

o Go With The Flow

If you're marketing online, you have to follow what's working for you. Most times you will try countless ideas or tactics - once you have found a process or system that works, really work it or scale it up. Making your first dollar is the hardest, but once you do something that earns you that dollar, just repeat that "something" a thousand times.

Tracking what works is very important so keep a close eye on your site's traffic logs to find where your customers are coming from. Something like Google Analytics is simply priceless for "fine-tuning" your site and your online marketing. It will tell you what's working and what's not.

o Target Recurring or Residual Income

One of my most effective marketing strategies is to promote and sell products and services that give you a recurring or residual income. Make one sale and get paid for years or for the life of that referred client. Concentrate on services like web-hosting, telephone, marketing programs... once customers sign up to these services, they will likely keep them for years. I am still earning income from sales I made five years ago.

Building a large residual income could be the key to surviving in tough economic times. This will be income which will carry you or your business over the rough patches since it is based upon past performance and not on your current selling situation.


o Target the Right Customers And Markets

The biggest advantage of marketing online is you can precisely target your customers and your markets. One tactic I use is to target customers who are likely to buy more than one unit of what you're selling. For example, if you target Corporate Business Gifts, a boss or employer will not be buying just one coffee mug but ten or even hundreds of mugs.

Even in tough times, seasonal markets will still perform... back to school, mother's day, Halloween, Christmas market... things might slow down but these markets will still perform even in tough times.

o Automate Everything

The real beauty of marketing online and using computers... you can automate just about every process in your marketing system. Make it a point of automating everything you do... use autoresponders to follow-up with potential buyers, use automatic check-outs, automatic reporting... just set-up your whole online marketing system that runs itself with little or no supervision from you. This will free up your time to concentrate all your efforts on marketing/promoting your site or product. Besides, nothing beats coming back from a vacation and finding out you have earned the cost of your vacation and then some - all the while you were lying in the sun and miles away from any computer.

o Find The Top Online Marketers

If you're just starting with online marketing, you need to find the top successful marketers and "model" what they're doing. This is relatively a new industry and you have to seek out the experts and pioneers who have set the groundwork. When I first started marketing online, I was quite fortunate to come into contact with some web marketing heavy-weights such as Marlon Sanders, Ken Evoy, Neil Shearing... and SEO experts like Brad Callen and Aaron Wall.

Often it is just a matter of finding the right "mentor" to follow. You need to study their techniques to improve your own marketing. Perhaps my best advice would be this: find the top online marketers and stick to them like glue!

o Make Google Your Friend

Whether you love or hate Google doesn't matter, you just have to make it your number one ally in your online marketing. Google has just about conquered the world-wide search market, Yahoo and MSN are still important, but Google is the deal-breaker when you're selling stuff online. Consumers have enormous respect for Google, a number one listing for a lucrative keyword simply means money in the bank. Marketers must realize Google will play a significant role in their online success and may play an ever increasing role in these tough economic times.

I have found using Google Search, Google Adwords, and Google Adsense have played a more than significant role in the success of my own online sites and marketing. Google tools such as Google Analytics, Google Alerts, Webmaster Tools... all have been invaluable and an enormous help in achieving my "web-based" lifestyle and livelihood. Of course, Google has also driven me around the bend more times than I can count, but no one is perfect.

Besides, when it's all said and done, anyone marketing on the web must truly embrace Google if they want to reach their highest level possible. In good times and especially in these bad times, you must make Google your friend. Your best friend. Even your BFF. When all else fails, trust in Google, forget that other guy. Then again, you better not; for you're going to need all the help you can get in these coming tough times, regardless of the source.


Titus Hoskins

Everyone has a story. Mine is called: "In Search Of The $100 Click or How I Found A Full-Time Online Income And Came To Love The Internet" It's located here: Online Income© 2009 Titus Hoskins. This article may be freely distributed if this resource box stays attached.

Titus Hoskins has written 34 articles for PromotionWorld.
View all articles by Titus Hoskins

Job losses stack up as recession deepens

Jan 9, 4:42 AM (ET)

By JEANNINE AVERSA

WASHINGTON (AP) - Trying to survive a deepening recession, employers are cutting their work forces to the bone, leaving more Americans unemployed and with dim prospects of finding a new job any time soon.

The Labor Department releases a report Friday expected to show the employment market turned worse in December, capping a year when job losses were logged every month.

With employers throttling back hiring, the unemployment rate is expected to jump from 6.7 percent in November to 7 percent in December, according to economists' forecasts. If they are right, that would mark the highest jobless rate in 15-1/2 years.

Nervous employers probably axed another 550,000 jobs last month, economists forecast. That would bring the net number of jobs lost for all of 2008 to 2.46 million. Some however, think the number of jobs cut last month will be higher - 600,000 or 700,000.

If the conservative 2.4 million estimate of net payroll reductions for 2008 proves correct, it would mark the first annual job loss since the previous recession in 2001. It also would be the worst year of job losses since 1945, when employers slashed nearly 2.8 million jobs, though the number of jobs in the U.S. has more than tripled since then.

Employers are chopping costs as they try to cope with dwindling appetite from customers in the United States as well as in other countries, which are struggling with their own economic problems.

The U.S. recession, which just entered its second year, is already the longest in a quarter century, and is likely to stretch on well into this year. The fact that the country is battling a housing collapse, a lockup in lending and the worst financial crisis since the 1930s make the current downturn especially dangerous.

All the problems have forced consumers and companies alike to retrench, feeding into a vicious cycle that Washington policymakers are finding difficult to break.

President-elect Barack Obama says a bold approach is needed to bust through this cycle and revive economy.

"I don't believe it's too late to change course, but it will be if we don't take dramatic action as soon as possible," he said Thursday.

"If nothing is done, this recession could linger," Obama warned. "The unemployment rate could reach double digits."

Obama, who takes over Jan. 20, is promoting a massive package of tax cuts and government spending that could total $775 billion over two years. With add-ons by lawmakers, the package could swell to $850 billion, his advisers say.

Even with a new government stimulus, the unemployment rate is expected to keep rising this year. Some think it could hit 9 percent or 10 percent at the end of this year.

This week alone, drugstore operator Walgreen Co. (WAG), managed care provider Cigna Corp. (CI) (CI), aluminum producer Alcoa Inc. (AA) (AA), data-storage company EMC Corp. (EMC) and computer products maker Logitech International all announced major layoffs to cope with the recession.

Tuesday, January 06, 2009

State sees downturn deepening

Friday, December 19, 2008

Senate Fiscal Agency reports jobless rate to hit double digits, budget deficit to grow.
Mark Hornbeck / Detroit News Lansing Bureau

LANSING -- The jobless rate in recession-wracked Michigan will climb into double digits the next two years, plunging the state budget $265 million in the red in the coming year and leaving it with a whopping $1.5 billion deficit in 2010, according to a state economic forecast released Thursday.

The unemployment rate, 9.6 percent in November, will average 10.6 percent in 2009 and 11.3 percent in 2010, says the Senate Fiscal Agency report. That assessment, by the financial arm of the Michigan Senate, will be used next month along with similar reviews by the House Fiscal Agency and the Michigan Treasury Department to revise the state revenue picture.
In raw numbers, the state is expected to lose 203,000 jobs, or nearly 5 percent of its work force next year, followed by the loss of another 105,000 jobs, or 2.6 percent of state employment, the following year. The state has lost more than 530,000 jobs since 2000, many in the manufacturing sector as the auto industry restructuring takes a heavy toll.
The forecast is even more pessimistic than the dismal University of Michigan version that came out late last month, which forecast the loss of 123,000 jobs next year and 49,000 in 2010.
Auto sales will total 13.1 million vehicles this year and fall to a low of 10.5 million vehicles in 2009 before rebounding slightly to 11.9 million units in 2010, according to the Senate Fiscal Agency study -- which assumes that the domestic automakers will still be in business the next couple of years. These are also well below the U-M figures, which predicted 12.2 million unit sales next year and 13.6 million in two years.

"These are terrible numbers, once-in-a-lifetime numbers," said Gary Olson, director of the Senate Fiscal Agency. "This may be the worst economic forecast we've put out as long as I've been handling it," which totals 27 years.

Dana Johnson, economist at Comerica Bank, said the forecast appears to be "in the ballpark."
"I expect the national unemployment rate to keep rising to 8.5 percent to 9 percent next year, and to say Michigan's will be a couple points higher is very possible," he said. "It means at least another year of recession for Michigan. The structural problem in the auto industry against the backdrop of a weak national economy makes it very difficult for the state."

The cash-starved state budget is actually about $940 million short in the current budget year, which goes through next September. But a surplus of more than $600 million carried over from last year and $134 million in cuts already enacted by the governor and lawmakers earlier this month trim the deficit to a more manageable $265 million, according to the Senate Fiscal Agency forecast.

The report indicates a $1.5 billion shortfall for 2010 but notes that doesn't take into account a federal stimulus package coming early next year that could wipe out that debt -- should the state decide to use the money to balance its books. The package is being debated in Congress and is expected to win passage in late January or early February, after President-elect Barack Obama takes office.

But Olson warns "we'd only be kicking the can down the road," because the federal windfall is one-time cash that won't be included in Michigan's revenue base when it runs out in 2011.
Robert LaBrant, senior vice president of the Michigan Chamber of Commerce, underscored that point.

"It's time for the Legislature to stop putting band-aids on the problem and go for substantial and long-term reform," LaBrant said. "Stimulus packages come and go. Michigan has to address its fundamental structural problem."

The Senate Fiscal Agency report is far gloomier than the economic forecast consensus reached in May by the agency itself, the House Fiscal Agency and the Treasury. In that report, it was predicted the state unemployment rate would be 8.3 percent in 2009. But that was before the financial market collapse, the auto bailout attempt and the national recession declaration.
Terry Stanton, spokesman for Treasurer Robert Kleine, declined to comment on Thursday's report, saying its own numbers will be released next month, just prior to the Jan. 9 revenue estimating conference. House Fiscal Agency Director Mitchell Bean also said his report will be out the first week of January.

But in past years, the three forecasts generally have been similar.
You can reach Mark Hornbeck at (313) 222-2470 or mhornbeck@detnews.com.


Find this article at: http://www.detnews.com/apps/pbcs.dll/article?AID=/20081219/METRO/812190342

Monday, January 05, 2009

Home-based business needs a plan


The Register-Mail
Posted Jan 03, 2009 @ 10:28 PM

GALESBURG —

Another new year is upon us. If last year brought a lay-off notice, here’s a question; is starting a home-based business an option?


Some experts have advice if you think a home-based business may help get your finances back on track.

According to Cher Murphy PR, a public relations agency with offices in Miami and Virginia that focus on small-business PR management, about 10.4 million people in the U.S. are self-employed. Somewhat surprisingly, 5.4 million of those individuals work from home.

The Murphy PR firm offers some suggestions you’ll get from most people. It may seem obvious, but first decide what type of business you want to start. Maybe work experience or even a hobby can be converted into a work-at-home business. For example, an unemployed secretary may start a typing or phone-answering service, or, if bold enough to tap into the high-tech market, a virtual-assistant secretarial service.

Next, create a business plan, which should describe goals and mission. You might be surprised at how many home-based businesses or other small businesses start with no idea why they exist. In this area, Cat Garza, manager of the Western Illinois Entrepreneurship Center, is the man to see about writing a business plan.

What may seem to be common sense can be overlooked when you’re focusing on the “big” ideas. For instance, make sure your business meets all of Illinois’ legal requirements. Do you need a license? Keep your costs as low as possible. This is, according to Cher Murphy PR, another good reason for a business plan. Make a list of expenses you absolutely must have.
Don’t make a tough time tougher by spending money on something that can wait until you are more established.

No business will succeed if no one knows it has opened. Regular readers of this newspaper have seen stories about everything from home-based wig shops to a woman who “declutters” the houses of people who can’t seem to get organized. If you’ve started a new small or home-based business, call or send an e-mail. It may interest us enough that we’ll write a story, which will be read by thousands of people. With the Internet, word will be spread across the country, valuable if you have a service that is as useful in Oneida, Ill., as Oneida, N.Y.

You also can take advantage of the newspaper’s free, new business listing. A form can even be ordered online. Of course, advertising is something you’ll eventually want to look into, although home-based businesses, especially, may first want to get off and running.

“All it takes to get (a home-based business) started and on the road to success is a plan, and putting that plan into motion,” Murphy said.

Some luck doesn’t hurt either, but all the luck in the world isn’t going to lead to success if you don’t lay the foundation upon which your business will be built.

Smart Online, a software company based in North Carolina’s Research Triangle Park, has nine small business predictions for 2009; although not limited to home-based businesses. I predict space will keep me from listing all nine.

Among the suggestions are online networking among small business operators in the same area will become more popular and useful, new supplier relationships will be based on value and trust, more so than price, and, perhaps the most intriguing of all, “Barter makes a big comeback among small businesses as they seek to help each other out.”

Entrepreneurship is one of the Galesburg area’s economic development hopes for the future. Whether home-based, including online, or more traditional storefront small business, this option is likely to become the wave of the future in this area. Do your homework and talk to the experts before spending a lot of money on any idea, but if you’re drawing unemployment and fretting about your financial future, 2009 may be the year to try out your own business wings, especially if bailout plans make credit more readily available. Good luck.

Some small businesses grow and become tomorrow’s major employers.

John Pulliam is business editor of The Register-Mail. Contact him at jpulliam@register-mail.comj or 343-7181, Ext. 215.

Thursday, January 01, 2009

Home businesses an option

In tough economy, more people starting up

December 31, 2008 6:00 AM

According to the U.S. Census Bureau, there are around 10.4 million people in the country who are self-employed and 5.4 million people who work from home. In the current downward economy in which 10.3 million people are unemployed, starting a home business may be their best option for finding suitable work to keep an income flowing into the house.

"Home-based businesses are so ideal because starting one is very cost effective. It keeps the overhead low, which helps increase the business's chances for success," said Cher Murphy, president of Cher Murphy PR, a public relations firm with offices in Miami and Virginia. "However, you can't just jump in without doing some planning first. All businesses need to follow some basic footsteps for success."

Here are a few helpful tips to follow when starting a home business:

Tapping into your talent.

The first thing that you need to do is decide what type of business to start. Most people have talents and work experience that they can easily convert to a work-at-home revenue stream. Make a list of all the experiences and talents you have, to see which one provides the best work-at-home opportunity.

For example, if you are an unemployed secretary, you may want to consider starting a virtual-assistant secretarial service, or a typing or phone-answering service. Alternatively, you could become a representative for another company, but you have to exercise caution in choosing which company to go with, in order to avoid scams.

Create a plan.

Even if it's handwritten, you should have a business plan that describes your goals and mission. This can be re-visited as needed, but setting goals will help you reach them.

Keep it legal.

After narrowing down a business name, be sure to check with your state to see what you legally need to operate. You may need a "doing business as" (DBA) or a business license, depending on what type of service you are offering.

Keep costs down.

In your business plan, include a list of all expected expenses. Try to avoid any that aren't absolutely necessary right then.

Avoid scams.

Remember, if it seems too good to be true, that it probably is. Advertisements making huge promises for easy ways to make thousands from home are most likely not legitimate. The Federal Trade Commission (www.ftc.gov) offers information on avoiding scams, as well as how to report them if you find them.

Get the word out.

In order to get the news out about your new business, you will have to be proactive. Don't assume that, if you build it, they will come. You should have a professional-looking Web site and work with a public relations specialist to narrow down and tap into your customer base.

Be realistic.

When you set your goals, be sure to have realistic ideas about what you can make from home and what, logistically, you can do. Also, expect the first year to be slow as you work past the bumps in the road and build your customer list.

"Home-based businesses are great because they provide people with the opportunity to make a real living, from the comfort of their own home," said Murphy. "All it takes to get one started and on the road to success is a plan, and putting that plan into motion. For many, this is the right time to turn their dreams of having their own business into action."

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