Advice For Small Business

A good place to start is the top ten safety tips link on the front page of the website which takes you to a 10-minute guide for beginners. I really like that they have separated the guide into PC, MAC and Linux, as the three operating systems are quite different and deserve to be handled in different ways.

Getsafeonline.org tackles this thorny issue in a really palatable style without mess, fuss, or drama. It gives you straight-forward advice and tips about keeping your PC out of the hands of thieves and fraudsters.

Getsafeonline.org is advice for small business,write plan,control access to critical information,find advice and support and many more..

Ebay is best site for resale

EBay is the best auction site that enables anyone to make money. Don't be baffled! It is true and 100% possible to make money from auction giant eBay without having any product to sell through it. Surprising, isn't it? In a business, you are usually required to sell a product, but this all a thing of the past and though many may influence you into believing this, it is only to prevent you from stealing their business away.



If you wish to optimize your sales strategy, then you should always keep your prices low and your goal should be to use eBay as a medium to sell ebooks free of cost or at low prices. For help visit www.guide-to-plr.com. If you sell an ebook that includes no back end sales or any affiliate links, then your goal should be to sell the powerful system to the customers to help him or her make money and in return earn your due income by sticking to the system that generates money for you!

Key wordspy

Promote the leader in keyword research technology and earn an automatic pilot stream of income for yourself at the same time.

Keywordspy- affiliate program is a web-based referral system where you can recommend KeywordSpy to other people. KeywordSpy is today’s most vital keyword tool in search engine optimization. It identifies the keywords advertisers are using in the Pay-per-Click campaigns of their online businesses which is a necessity to get ahead in today's highly competitive web advertising industry.


->The future belongs to marketers! You get more than half the profit. We will pay you a staggering $80 commission for EVERY subscription made through your site or links.

->When you sign up for our affiliate program, you get instant access to our entire private affiliate area, which includes professionally-designed graphics, banners, promotional letters, text ads, classified ads and even lessons on Internet affiliate marketing.

It’s 100% free to join our affiliate program.

STUDENT LOAN

STUDENT LOAN



A loan is a type of debt. All material things can be lent but this article
focuses exclusively on monetary loans. Like all debt instruments, a loan entails
the redistribution of financial assets over time, between the lender and the
borrower.



The borrower initially receives an amount of money from the lender, which they
pay back, usually but not always in regular installments, to the lender. This
service is generally provided at a cost, referred to as interest on the debt. A
borrower may be subject to certain restrictions known as loan covenants under
the terms of the loan.



Acting as a provider of loans is one of the principal tasks for financial
institutions. For other institutions, issuing of debt contracts such as bonds is
a typical source of funding. Bank loans and credit are one way to increase the
money supply.



Legally, a loan is a contractual promise of a debtor to repay a sum of money in
exchange for the promise of a creditor to give another sum of money.

Student loans are loans offered to
students to assist in payment of the costs of professional education. These
loans usually carry a lower interest rate than other loans and are usually
issued by the government. Often they are supplemented by student grants which do
not have to be repaid.

Student loans in the United States

While included in the term "financial aid" higher education loans differ from
scholarships and grants in that they must be paid back. They come in several
varieties in the United States:



Federal student loans made to students directly: No payments while enrolled in
at least half time status. If a student drops below half time status, the
account will go into its 6 month grace period. If the student re-enrolls in at
least half time status, the loans will be deferred, but when they drop below
half time again they will no longer have their grace period. Amounts are quite
limited as well.

Federal student loans made to parents: Much higher limit, but payments start
immediately

Private student loans made to students or parents: Higher limits and no payments
until after graduation, although interest will start to accrue immediately.
Private loans may be used for any education related expenses such as tuition,
room and board, books, computers, and past due balances. Private loans can also
be used to supplement federal student loans, when federal loans, grants and
other forms of financial aid are not sufficient to cover the full cost of higher
education

Student loans in the U.S.
Regulatory framework
Higher Education Act of 1965 US Dept of Education FAFSA Cost of attendance
Distribution channels
Federal Direct Student Loan Program FFELP
Loan products
Perkins · Stafford PLUS · Consolidation Loans Private student loan

Federal loans to students

See

Federal Perkins Loan,

Stafford loan,

Federal Family Education Loans,

Ford Direct Student Loans, and

Federal student loan consolidation

Federal student loans in the United States are authorized under Title IV of
the Higher Education Act as amended.

The first type are loans made directly to the student. These loans are
available to college and university students and are used to supplement personal
and family resources, scholarships, grants, and work-study. They may be
subsidized by the

U.S. Government or may be unsubsidized depending on the student's financial
need.

Both subsidized and unsubsidized loans are guaranteed by the

U.S. Department of Education either directly or through guarantee agencies.
Nearly all students are eligible to receive them (regardless of credit score or
other financial issues). Both types offer a
grace
period of six months, which means that no payments are due until six months
after graduation or after the borrower becomes a less-than-half-time student
without graduating. Both types have a fairly modest annual limit. The limit
effective for loans disbursed on or after July 1, 2007 is as follows: is $3,500
per year for freshman undergraduate students, $4,500 for sophomore
undergraduates, and $5,500 per year for junior and senior undergraduate
students, as well as students enrolled in teacher certification or preparatory
coursework for graduate programs. Subsidized federal student loans are offered
to students with a demonstrated financial need. Financial need may vary from
school to school. For these loans, the federal government makes interest
payments while the student is in college. For example, those who borrow $10,000
during college will owe $10,000 upon graduation.

Unsubsidized federal student loans are also guaranteed by the

U.S. Government, but the government does not pay interest for the student,
rather the interest accrues during college. Those who borrow $10,000 during
college will owe $10,000 plus interest upon graduation. For example, those who
have borrowed $10,000 and had $2,000 accrue in interest will owe $12,000.
Interest will begin accruing on the $12,000. The accrued interest will be
"capitalized" into the loan amount, and the borrower will begin making payments
on the accumulated total. Students can choose to pay the interest while still in
college; however, few students choose to exercise this option.

Federal student loans for graduate students have higher limits: $8,500 for
subsidized Stafford and $12,500 (limits may differ for certain courses of study)
for unsubsidized Stafford. Many students also take advantage of the Federal
Perkins Loan. For graduate students the limit for Perkins is $6,000 per year.

Private student loan rates and interest

Private student loan rates are lower than non-specialized private loans
(e.g., "signature" loans) but slightly higher than government loan rates. That
may be changing, as pending legislation would raise government student loan
rates to similar rates as private student loans. Consumers should be aware that
some private loans require substantial up-front origination fees. These fees
raise the real cost to the borrower and reduce the amount of money available for
educational purposes.

Most private loan programs are tied to one or more financial indexes, such as
the

Wall Street Journal
Prime rate
or the

BBA LIBOR
rate, plus an overhead charge. Because private loans are based on the credit
history of the applicant, the overhead charge will vary. Students and families
with excellent credit will generally receive lower rates and smaller loan
origination fees than those with less than perfect credit. Money paid toward
interest is now tax deductible.

Private student loan fees

Private loans often carry an

origination fee. Origination fees are a one-time charge based on the amount
of the loan. They can be taken out of the total loan amount or added on top of
the total loan amount, often at the borrower's preference. Some lenders offer
low-interest, 0-fee loans, but these are usually available only to those with
high credit scores (800 or more). Each percentage point on the front-end fee
gets paid once, while each percentage point on the interest rate is calculated
and paid throughout the life of the loan. Some have suggested that this makes
the interest rate more critical than the origination fee.

In fact, there is any easy solution to the fee-vs.-rate question: All lenders
are legally required to provide you a statement of the "APR (Annual Percentage
Rate)" for the loan before you sign a promissory note and commit to it. Unlike
the "base" rate, this rate includes any fees charged and can be thought of as
the "effective" interest rate including actual interest, fees, etc. When
comparing loans, it may be easier to compare APR rather than "rate" to ensure an
apples-to-apples comparison. APR is the best yardstick to compare loans that
have the same repayment term; however, if the repayment terms are different, APR
becomes a less-perfect comparison tool. With different term loans, consumers
often look to 'total financing costs' to understand their financing options.

Eligible loan programs generally issue loans based on the credit history of
the applicant and any applicable cosigner/co-endorser/coborrower. This is in
contrast to federal loan programs that deal primarily with need-based criteria,
as defined by the EFC and the
FAFSA. For many
students, this is a great advantage to private loan programs, as their families
may have too much income or too many assets to qualify for federal aid but
insufficient assets and income to pay for school without assistance.

Additionally, many international students in the United States can obtain
private loans (they are ineligible for federal loans in many cases) with a
cosigner who is a United States citizen or permanent resident.

The terms for alternative loans vary from lender to lender. A common
suggestion is to shop around on ALL terms, not just respond to "rates as low
as..." tactics that are sometimes little more than bait-and-switch. Examples of
other borrower terms and benefits that vary by lender are deferments (amount of
time after leaving school before payments start) and forebearences (a period
when payments are temporarily stopped due to financial or other hardship). These
policies are solely based on the contract between lender and borrower and not
set by Department of Education policies.

Federally subsidized consolidations are not available for alternative student
loans, though several lenders offer private consolidation programs. Borrowers of
privately subsidized student loans may face the same restrictions to bankruptcy
discharge as for government based loans: New legislation makes clear that these
loans are, like federal student loans, not dischargeable under bankruptcy. Even
before the legislation was passed, however, private student loans that were
guaranteed 'in whole or in part' by a nonprofit entity are non-dischargeable in
bankruptcy (and most private loans, regardless of the lender, were indeed
guaranteed by a nonprofit).

DIGG IT!

BUSINEES

AFFILIATE

BUSINESS & CREATION

E-mail Marketing

Email marketing involves collecting the email address of your website visitors in order to be able to send them any message you want via email. The first step involved in email marketing is, of course, to entice people to sign up to your newsletter.

Many successful marketers achieve this by offering a free ebook or other incentive in exchange for the visitor’s email address. The visitor then needs to confirm their subscription by clicking a link in their email. You can encourage more confirmations by promising another free gift once they confirm their subscription.

To successfully run an email marketing campaign, you must use a form of autoresponder software. This software is vital as it is developed to comply with spam rules, ensure maximum deliverability, and come with many tools, including a helpful interface for creating, managing and using your email lists. Aweber and GetResponse are two of the most popular and recommended email marketing platforms.

It is possible to have more than one email list and this is mandatory if you are involved in more than one niche. You definitely do not want to be mixing your dog training list subscribers with your pregnant women list!

The idea of email marketing is to build rapport and a good relationship with your subscribers. Over time, your subscribers will grow to like and trust you if you can provide then with relevant and helpful content for free via your email marketing campaign.

Here are some proven tips for building and maintaining these relationships:

Broadcast Regularly.

Sending your subscribers regular emails, such as once or twice per week, is the only way you will stay at the forefront of their mind. If you don’t broadcast regularly, then they will forget about you and as such, your relationship with them will not be as strong.

Don't Be a Pushy Salesman.

You will find people unsubscribe very quickly if you are constantly promoting and recommending products to them without giving them good content in return.

People do not like to be insulted; and remember, your list members are real people too! If they feel you are taking advantage of them, they will simply choose to stop receiving emails from you.

Give, Give and Give.

The more you give, the more you receive. This couldn't be more true than in the case of email marketing.

If you constantly give great free advice and information to your subscribers, then they are more likely to buy from you when you do promote or recommend something to them.

The idea is to have your list members look forward to your next email. It is also wise to ask questions and encourage interactivity with subscribers.

Promote Cautiously.

When it comes to promoting products to your email marketing list, do it wisely and sparingly.

You should only promote products that you truly believe will help them. If you promote a dud product, then people will lose respect for you. The small monetary gain you made by promoting the product can be lost through a lack of trust in your future recommendations.
URL.biz - Marketing and Advertising

The Best Marketing For Your Home Based Business

There are several benefits to posting in forums over using other marketing techniques. First, there is no charge whatsoever to post in forums. A lot of people getting into internet marketing are looking to make money, not spend it. There is not a penny you will have to spend in order to post your opinion.

While the more traffic you receive the better, it is even more important that you generate a targeted group of people. These are the people that are already interested in what you have to offer. It makes if far easier to make a sell if they are already interested. There are hundreds of thousands of forums on the internet giving you the ability to pick and choose which ones to post in.

Because of the abundance of forums, you will find many are specific toward a category. This allows you to make posts in a forum that is geared toward the niche you are in. The more you are in these forums the more people will want to come to your site. In doing so, you will have generated targeted traffic to your home based business.

Many forms of marketing on the internet do not allow you to express yourself or your business. Link trading just puts your link on other people?s web sites. Paying to put your banner on someone else?s site just gets your link on other sites as well. Posting in forums allows you to open up and discuss various topics with people similar to you. Not only can you market your business in forums, but you can also build relationships and possibly even partners.

There is no denying the power forums have over all other forms of marketing. But in order to take full advantage of this, you have to be committed. Posting in a forum once a week will not cut it. You have to be willing to find five or ten forums to post in every day. At lease one post a day should be made, if not more. Just know the more you post the more recognizable you will become, which leads to further traffic to your home based business

Perfect Stockbroker

Don't all investors wish they have one. While a few may get lucky in choosing their stockbrokers with minimal effort, the general rule is to flesh out your investment needs and do adequate research before hiring a broker. Picking a stockbroker is just as important as choosing your stocks. If you're going to entrust your money to these people, then you have to be certain that they have the intelligence, ability, and resources to do their job properly. Most importantly, make sure that they're not filthy felons who would run off with your money the first chance they get.

Stockbrokers can be classified into two types: the regular brokers and the broker-resellers. Regular brokers work for a brokerage firm and deal directly with investors while broker-resellers act as an intermediary between the investor and a larger broker or firm. The general opinion is that regular brokers are more reputable than broker-resellers since the latter may not have taken or passed all the necessary licensing examinations in order to qualify as a standard broker. This doesn't mean you should avoid all broker-resellers at all costs; you just have to be more careful in choosing resellers you'll be dealing with.

Regular brokers are further divided into two kinds: the full-service brokers and the discount brokers. If you want a more extensive array of services which includes financial advice, research and analysis, retirement planning, and investment tips, then a full-service broker is the one for you. These services will cost you a lot though; full-service firms charge higher commissions and fees than discount brokers. If you have the time and resources to do your own research on the stock market and you feel that you are fully capable of making intelligent investment decisions, then a discount broker should be enough to work for you. They simply execute your trades with no added frills and charge less than a full service brokerage.

In choosing a broker, it's better not to be content with any random person a brokerage firm assigns to you. Personally review his credentials. Choose someone with four to five years of experience and ask for a list of clients that you can contact for references. Check with regulation authorities if there have been complaints against him.

You also want a broker who doesn't have too many clients particularly if you decide to be an active trader. If your broker is too busy handling 300 other clients, you may often end up talking to a call center representative. There are instances, of course, when your concern can just as adequately be handled by a call center so don't abruptly close your account just because your broker wasn't able to answer all your calls. The point is, your broker should have sufficient time and focus to take care of your portfolio. However, if you're perfectly comfortable executing trades on your computer without having to talk to a human being, then you can pick out an online discount broker and execute your trading on the internet. Just make sure that the online broker has a competent customer service department to address your problems and concerns.

Finally, read the brokerage contract carefully and pay attention to the fine print. If the advertised fees seem to good to be true, look out for hidden costs or interests. Don't be afraid to ask questions especially if there's any part of the contract that's not clear to you. Remember, you're already taking on a considerable amount of risk by investing in stocks. You at least deserve to have a decent level of security in doing business with your broker.

perfect stockbroker

EARN MONEY FROM BLOGS

Blogs are websites that are used to 'publish' or place articles that are written by a person or persons. These entries are called 'blog posts' or just 'posts'.


Blog posts are organizedin reverse chronological order. The blog can serve as an onlin journal or diary, a content mangement site, or an online publishing platform.

An average blog will include post dates, category names, titles, a main body of text, RSS and trackback links, comments, permalinks, and/or a calendar, archives, blogrolls or add-ons or plug-ins.

Entries are usually made to blogs on a daily basis. The term 'blogging' means the act of writing, maintaining or adding information to an existing blog. A 'blogger' is the person or group who maintains the blog.

There are currently over 3 million blogs on the Internet. This figure changes daily. The Internet provides a wide variety of blog software and tools to make it easier to get a blog up and running.


If you want to become a professional blogger you must consider the following: 1. Patience is needed. Problogging means spending a lot of time and work. It requires that one has a long-term 1.vision.
2. Know your readers.
You must target specific audiences in order to build a solid readership.
3. Portray yourself as an expert. Find a niche subject and be the expert in the subject.
4. Diversify. Be willing to try out various ad and affiliate programs until you find one that works. 5. Don't put them to sleep. Try not to bore your readers. Create good layout, provide plenty of white space, use larger fonts, etc.

iTunes video rentals could be huge

Apple is finally going to offer digital movie rentals from its iTunes store, the FT reports. The company has hooked up with News Corp's Twentieth Century Fox to allow short-term rental downloads of Fox DVDs. Apple hasn't officially confirmed the news or said anything about potential pricing, which is rumored to be about $3 per rental.

Apple sells movies for download, but to this point hasn't made anything available to rent. So far, the downloadable rental business has been pretty abysmal, with rivals like Movielink and CinemaNow unable to turn big numbers. But the opportunities are there, and Amazon and others have been working hard to come up with a groundbreaking rental service.

Enter Apple and it's not-so-secret weapon: the iPod (and now the iPhone). I'm assuming Apple will make it easy to shoot movies from your computer to your iPod. If that's the case -- and if Apple shines its marketing megaspotlight on the feature -- iTunes rentals could be huge. The next step might be enabling the downloading directly to an iPod over WiFi, but that could take hours.


And here's an interesting feature: New Fox DVDs will come with a special digital file allowing the films to be ripped to a computer or iPod. It hasn't been easy to do this before.

This is a big win for Apple and Fox, and I suspect other movie studios are close to signing deals or are watching closely to see how this all plays out.

Apple shares are up slightly on the news. Here's what others are saying today:

Wall Street Journal: "Apple has for months been trying to persuade the Hollywood studios to agree to a digital rental model, in which consumers would be able to download movies through iTunes that could be played for a limited time. Until now, no studio has agreed to such a deal with Apple, and some companies have continued to resist Apple's pitch."

Silicon Alley Insider: "Why hasn't anyone really caught up with Apple in the music download market? One reason: Because until Amazon debuted its MP3 store this fall, no store sold popular music that worked on iPods or Mac computers. Similarly, most non-iTunes movie download services don't work on Macs or iPods. And a two-hour download beats a two-day wait for a DVD in the mail."

Mashable: "Assuming that Sony, Paramount and Warner Brothers follow suit, as they are also rumored to do, many folks may quit Blockbuster and Netflix subscriptions for the economy and convenience of an AppleTV unit, especially if rentals are $2.99 for 30 days."

Can money be made from web page hits?

A lot of people are asking themselves if they can make money from their web pages hits in case they do have a webpage. The answer is not directly a yes. This is because web page hits are simply those number of times that other people are visiting your website. It shows your popularity or otherwise ion the cyberworld.

However, you can make money from this if only you know how. There are plenty of ways on how to do this and you can also make use of multiple ways as to how to gain money from multiple streams of opportunity available.

The first one that you can translate into money is the advertising stream potential of your website in case you do are getting a considerable number of hits. You can advertise by either using Google's Adsense wherein they put automatic ads for you and then you can gain a commission every time that someone actually buys a product through the ads in your website.

If you don't want to use Google, then you can use Commission Junction wherein you can personally choose the kind of ads that you will be putting up on your website. There is of course countless number of advertisers that lets you do the same thing. The only difference between them is probably the policies involved when dealing with the payment and other details.

You can also certainly try to sell products that you made yourself. Since your website is already having a considerable number of web page hits, it is more likely that a certain number of your visitors will be interested in what you have to sell.

It is presumed that you have already done the hard part of selling yourself to your audience. The companies whose product that you are advertising or selling directly is more than willing to pay you a handsome commission because the hard part of attracting the people's attention has already been done by you.

There are also other unconventional ways of getting money in return for your sites popularity. You can try selling your website to others who want to ride in the popularity that your website has.

It does not mean that you will be giving them complete control, rather you will simply be giving attention to their products as if they were your own or you can use your website as a place where they can have their links piggyback to you.

This will automatically place their websites in a higher page rank with Google which in turn translates to more money for both of you.
www.mydzo.wordpress.com

Business broker

Business broker

Business broker Business broker Business broker Business broker



Business brokers, also called business transfer agents, or intermediaries,
assist buyers and sellers of privately held business in the buying and selling
process. They typically estimate the value of the business; advertise it for
sale with or without disclosing its identity; handle the initial interviews,
discussions, and negotiations with prospective buyers; facilitate the progress
of the due diligence investigation and generally assist with the business sale.



Agency relationships with clients and
customers

Traditionally, the broker provides a conventional full-service, commission-based
brokerage relationship under a signed listing agreement with a seller or "buyer
representation" agreement with a buyer, in most states thus creating under
common law an agency relationship with fiduciary obligations. Some states also
have statutes which define and control the nature of the representation. These
are then clients of the broker.





Agency relationships in business ownership transactions involves the
representation by a business broker (on behalf of a brokerage company) of the
principal, whether that person or persons is a buyer or a seller. The principal
broker (and his/her agents) then becomes the agent of the principal who is the
broker’s client. The other party in the transaction who does not have an agency
relationship with the broker is the brokers customer.





Transactions BrokerS

In some states, business brokers act as transactions brokers. A transaction
broker represents neither party as an agent, but works to facilitate the
transaction and deals with both parties on the same level of trust.





Dual or limited Agency

Dual agency occurs when the same brokerage represents both the seller and the
buyer under written agreements. Individual state laws vary and interpret dual
agency rather differently.



If state law allows for the same agent to represents both the buyer and the
seller in a single transaction, the brokerage/agent is typically considered to
be a Dual Agent. Special laws/rules often apply to dual agents, especially in
negotiating price.

In some states (notably Maryland[1]), Dual Agency can be practiced in situations
where the same brokerage (but not agent) represent both the buyer and the
seller. If one agent from the brokerage has a home listed and another agent from
that brokerage has a buyer-brokerage agreement with a buyer who wishes to buy
the listed property, Dual Agency occurs by allowing each agent to be designated
as “intra-company” agent. Only the principal broker himself/herself is the Dual
Agent.

Some states do allow a broker and one agent to represent both sides of the
transaction as dual agents. In those situations, conflict of interest is more
likely to occur.



Types of services that a broker can provide

Since each state's laws may differ from others, it is generally advised that
prospective sellers or buyers consult a licensed real estate professional.



Some Examples:



MPSP Valuation - Most Probable Selling Price Valuation; a form of limited scope
appraisal that can encompass a Comparative Market Analysis.

Comparative Market Analysis - an estimate of the businesses value compared with
other businesses for a similar type. This differs from an appraisal in that
businesses currently for sale may be taken into consideration (competition for
the subject business).

Exposure - Marketing the business to prospective buyers.

Facilitating a Purchase - guiding a buyer through the process.

Facilitating a Sale - guiding a seller through the selling process.

FSBO document preparation - preparing necessary paperwork for "Sale By Owner"
sellers.

Hourly Consulting for a fee, based on the client's needs.

Preparing contracts and leases. (Not in all states.)



General

The sellers and buyers themselves are the principals in the sale, and business
brokers (and the principal broker's agents) are their agents as defined in the
law. However, although a business broker commonly fills out the offer to
purchase form, agents are typically not given power of attorney to sign the
offer to purchase or the closing documents; the principals sign these documents.
The respective business brokers may include their brokerages on the contract as
the agents for each principal.



The use of a business broker is not a requirement for the sale or conveyance of
a business or for obtaining a Small business or SBA loan from a lender. However,
once a broker is used, A special escrow attorney[2] sometimes called a
settlement attorney (or party handling closing) will ensure that all parties
involved be paid. Lenders typically have other requirements, though, for a loan.



The market served by business brokers generally involves the sale of businesses
with transaction values less than $10 MM. Larger privately held companies are
classified in the Middle Market and will employ firms that specialize in Mergers
and Acquisitions, or M&A. However, business brokers do participate in mergers
and acquisitions activities when it involves a transaction between two or more
smaller companies. Business Brokers and M&A firms do overlap activities in the
extremes of their market. These extremes are called the Transitional Market, or
TransMarket.





Business brokers and sellers



[edit] Services provided to seller as client

Upon signing a listing contract with the seller wishing to sell the business,
the brokerage attempts to earn a commission by finding a buyer for the sellers'
business for highest possible price on the best terms for the seller. To help
accomplish this goal of finding buyers, a business brokerage commonly does the
following:



Ensures Confidentiality--Brokers have established systems in place to protect
the confidentiality of a business.

Appraisals--Most business owners have no idea what their business is worth.
Certified Business Brokers are trained in business valuation and can help
business owners understand the true value of all their hard work and sacrifice.


Market Knowledge--Brokers make their living selling businesses. They are in the
market on a daily basis conversing with Buyers. A local business broker
understands the local market as well as what a business is worth.

Saves time and stress

Listing the business for sale to the public, often on a Multiple Listing
Service, in addition to any other methods.

Based on the law in several states, providing the seller with a business
condition disclosure form, and other forms which may be needed.

Preparing necessary papers describing the business for advertising, pamphlets,
tours, etc.

Advertising the business. Advertising is often the biggest outside expense in
listing a business.

Being a contact person available to answer any questions about the business and
to schedule showing appointments

Ensuring buyers are prescreened so that they are financially qualified to buy
the business; the more highly financially qualified the buyer is, the more
likely the closing will succeed.

Negotiating price on behalf of the sellers. The seller's agent acts as a
fiduciary for the seller. By not being emotionally tied to the transaction,
Business Brokers are in a position to more effectively negotiate on a Seller's
behalf. This may involve preparing a standard offer to purchase contract by
filling in the blanks in the contract form.

In some cases, holding an earnest payment in escrow from the buyer(s) until the
closing. In many states, the closing is the meeting between the buyer and seller
where the business ownership is transferred and the businesses name is conveyed.


Business brokers attract prospective buyers in a variety of ways, including
listing limited details of available businesses on their websites and
advertising in business newspapers and magazines. Brokers also directly approach
prospective buyers and sellers to gauge interest.





The "listing" contract

Although there can be other ways of doing business, a business brokerage usually
earns its commission after the business broker and a seller enter into a listing
contract and fulfill agreed-upon terms specified within that contract. The
seller's business is then listed for sale, often on a Business specific Multiple
Listing Service (MLS) in addition to any other ways of advertising or promoting
the sale of the property.



In most of North America, a listing agreement or contract between broker and
seller must include the following: starting and ending dates of the agreement;
the price at which the business will be offered for sale; the amount of
compensation due to the broker.






Brokerage commissions

In consideration of the brokerage successfully finding a satisfactory buyer for
the property, a broker anticipates receiving a commission for the services the
brokerage has provided. Usually, the payment of a commission to the brokerage is
contingent upon finding a satisfactory buyer for the business for sale, the
successful negotiation of a purchase contract between a satisfactory buyer and
seller, or the settlement of the transaction and the exchange of money between
buyer and seller.



In North America a commission in the 10% to 12% range is considered "standard"
for business brokerage services and is typically paid by the seller at the
closing of the transaction. The standard commission is likely to be lower in the
United Kingdom (see Lehman scale). Commissions are negotiable between seller and
broker. The commission could also be paid as flat fee or some combination of
flat fee and percentage, particularly in the case of lower-priced businesses,
businesses in the multi-million dollar price, or other unusual business assets.
The details are determined by the listing contract.



Out of the commission received from the seller, the broker will typically pay
any expenses incurred to do the work of trying to sell the listed businesses,
such as advertisements, etc.



All compensation to a broker paid by a third party must be disclosed to all
parties.





Licensing of business brokers

In the US, licensing of business brokers varies by state, with some states
requiring licenses, some not; and some requiring licenses if the broker is
commissioned but not requiring a license if the broker works on an hourly fee
basis. State rules also vary about recognizing licensees across state lines,
especially for interstate types of businesses like national franchises. Some
states, like California, require either a broker license or law license to even
advise a business owner on issues of sale, terms of sale, or introduction of a
buyer to a seller for a fee. The following require a license to practice as a
business broker: Arizona[3], Arkansas, California, Colorado[4], Florida,
Georgia, Idaho, Illinois, Michigan, Minnesota, Nebraska, Nevada, Oregon[5],
South Dakota, Utah, Wisconsin, and Wyoming.



In all states the broker must be a licensed real estate agent if real estate
interest is involved in the transaction or the transfer of real estate interest
is a requirement for the sale.





Associations
of business brokers

The largest association of business brokers in the US is the International
Business Brokers Association. The American Business Brokers Association was
formed recently and is growing rapidly. Many states have their own associations,
e.g., the Texas Association of Business Brokers.



The most well known sponsored designations are the following:



Certified business intermediary (CBI) an IBBA designation

Accredited business intermediary (ABI) an ABBA designation



Business broker Business broker Business broker Business broker

http://mydzo.blogspot.com/2007/09/business-broker.html

Increase Your Sales With Blog Radio!

Many studies have proven that radio is a good medium for product advertisements. People listen to the radio for entertainment, usually to listen to the latest music or to their favorite radio program. In between the program, advertisements on products and services are being played.

For many years, this has been the trend in advertising. But now that the radio medium is almost behind the audio-visual medium, the TV, and the Internet, other marketing strategies have to be employed to continue the benefits of advertising through audio.

It is then that the benefits of using music on websites were discovered. Before, music on the Internet was just available in downloadable forms as mp3. Even through hosting downloadable music on their servers, companies were able to get much traffic on their sites. And everyone engaged in Internet marketing knows that website traffic plays a big role in boosting product and service sales.

However, there had been a problem with illegal music download in which artists, musicians and record companies have lost millions of revenues.

Then, came the popularity of Internet music streaming. Unlike the former, radio streaming does not allow download of the music files. Thus, the copyrights of the artists and record label owners are protected.

So, how can this be done? There are several ways to stream audio from your site. First, is to stream a radio program from your site or blog. You can find free affiliate programs that allow you to stream their radio content from your site.

What will this mean to you? This means that your site will have new audio content every time it is visited. What's even great is that the content is being updated even without much effort from you.

In this case, what you needed to do is to signup with an Internet radio station and have the link embedded on your blog or website.

Another way is to stream mp3s. To do this, you just need to upload your mp3files on a server and add the files' links to the page. When the link is clicked, the browser opens a media player window and plays a file. However, since the file is in mp3 format, it may also be downloaded. Downloading music files without the authorization of the copyright owner is illegal. Therefore, if you will be using this type of streaming, make sure that you have the appropriate permit to do so.

A third way to add audio to you blog or website is to stream music through organizing playlists. Playlists are m3u files, which if downloaded, will not play music if offline. Using this process, however, can be complex. Here is a short instruction on how to do it.

1. Save your mp3 or wma file on the server. You may skip this step if you know that the file exists on another server and know the link to that file. Make sure that the link has a .mp3 or .wma extension.

2. Open your text editor and type the path to the file. Include the http:// and the file extension. Repeat this step until you have included all the links to the files that you would like to be included in the playlist.

3. Save the playlist with a .m3u extension.

4. Upload the m3u file on the directory where the music files are hosted or to your server.

5. Open your html editor and embed the link to the m3u file. Through this, you can also set if you want to have the playlist to autoplay if someone visits your site of if you want your visitor to control playing the music. You can also set the volume level.

After the code is embedded on the html file, and whenever your site is visited, the songs in the playlist will be buffered, streamed and played one after another. If your playlist has several songs, the user can skip forward or go back a song in the playlist using the media player controls.

Doing this setup works for many website owners. Through this you can customize the type of music being played on your site. You can even play recordings related to your product to boost product awareness.

It requires knowledge of html to be done. But if it will be the best way to increase traffic to your site, why not request assistance from programmers. After all, having audio on a website is a proven way to increase sales.

Learn Forex Currency Trading Online###

It has been usually seen that the name of online share markets evokes interest in those who are unaware of the market policies but want to dabble in share market just in order to gain windfall gains. This is not a healthy sign for the ignorant as trading in forex investments and reaping benefits thereof is a difficulty job that includes high level of stake. Thus, it is very important to learn forex currency trading online as ignorance can be a dangerous affair.

Forex trading is speculative in nature therefore it should be kept in mind on the part of the investor that he/she is prepared for the unforeseen circumstances. In order to facilitate the online brokerage, there are many online sites that help in providing the methods to learn forex currency trading online that can help in increasing the overall knowledge of the investor.

They help in providing brokerage tips to the budding investors so that they are able to understand the intricacies of the market and predict the nature of the stocks so that they can improve the profit making capacity on their part. In order to learn forex currency trading online, there are many websites that provide online forex trading courses that can be handy in understanding the basic principles of market trade. It instructs about all the basic terms and technical languages used in the forex trade.

Once the user is well versed in the basics of online forex trading, he/she can approach the broker who will help him in opening the account and dabbling in shares and forex deals. This includes 24-hour open market which is facilitated by the Internet. In this market, the trader can bet on the forex reserves and attain benefit form the share market. Thus, it is very important to learn forex currency trading online. Without its knowledge, one is at the constant risk of losing his hard earned income.
[IMG]http://i674.photobucket.com/albums/vv103/boomsaka/mydzo.png[/IMG]

PCS BREAK THE $200 BARRIER

Beginning today, Wal-Mart is selling a brand new computer for $199.

Everex calls their new Green gPC an alternative personal computer which runs on Linux – a free operating system. Its name implies it’s an alternative to more expensive devices which run on Microsoft Windows or Apple’s operating system.

(MSNBC.com is a Microsoft-NBC Universal joint venture.)

The gPC uses Ubuntu Linux, which is a free, open-source operating system. I’ve been testing Ubuntu on a number of different computers – old and new – for the past few months and I highly recommend it.

Everex added a green, graphical desktop and calls the result the gOS. The screen features oversized icons and a large, horizontal navigation bar with easy-to-understand icons for Web sites and free, installed software including the Mozilla Web browser, Skype and the OpenOffice suite plus links to YouTube and Wikipedia.

There also are a large number of Google-labeled links such as Google Search, Google Documents, Google Spreadsheets, Google Calendar, Google News, Google Maps, Google Products Search and Gmail. One might guess that gPC actually stand for Google instead of Green PC based on the number of Google links bundled on the desktop, but Everex says that’s isn’t the case.

As for the hardware, the gPC runs on a 1.5 GHz Via processor as opposed to the more prevalent Intel or AMD chips and 512MB of memory. The combination is quite speedy.

There’s an 80 GB hard drive for storage and a DVD drive (reads and writes CDs but DVDs are read-only.) A keyboard, mouse and stereo speakers come with the computer, too. It’s up to you to provide a monitor.

The gPC connects to the Internet via Ethernet or the built-in modem. Any kind of wireless connections (Wi-Fi or Bluetooth, for instance) are not included. Since nearly all of my computers use Wi-Fi, I had to dig out an Ethernet cable for testing. The gPC comes only with a modem cable.

The instruction poster (not a book) is easy to understand and makes set-up a breeze. Actual ease of use, though, is a different story.

While the gPC comes packed with software – and does most simple tasks well – not everything is user-friendly right out of the box. Once the gPC was up and running, I tried viewing a YouTube video to test the Internet connection, Web browsing abilities and the computer’s ability to handle audio and video all at the same time.

Instead of a video, I was greeted with an error message. The gPC warned me that I needed to download and install a software “plug-in” before I could watch the video. I was given three different file choices to choose from.

Even if I figured out which file to download, the installation process is complicated and overly technical even for experienced computer users. If there’s an icon provided on the desktop, an end user shouldn’t be forced to download and install anything else.

As it stands now, I believe the gPC needs some re-tooling to make it more people-friendly.