Tuesday, February 24, 2009

Money Making Ideas That Work

It is important when beginning a new business, especially when looking at online businesses, with many opportunities for inexperienced operators, that the information is easy to use, has proven strategies, has a step by step guide, is good value for money and offers a 100% money back guarantee.

Without the right strategies and starting point, many programmes fall short wasting time and money to prospective entrepreneurs.

In my opinion, after reviewing many of the top opportunities available online, the following sites we have published on www.richquickexposed.com, represent the best online products available on the internet today. Guaranteeing success if their expert advice is followed.

The Rich Jerk
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Forex Enterprise
A powerful system, which can start making money on the first day.
Anyone can create a guaranteed stream of income with Google AdWords & ClickBank.

Affiliate Cash Vault
New fail-safe system virtually runs 100% on autopilot. Just set it and forget it! No gimmicks, no empty promises, just good business. They are looking for individuals interested in starting their own legitimate home business.

Moonlighting Jobs as a Computer Consultant for Small Business

Securing moonlighting jobs as a computer consultant for small businesses is difficult because you're typically working when the small businesses are closed. You need the flexibility to carry out your moonlighting jobs during the evening and on weekends and many small businesses are not going to be comfortable with that arrangement. These business owners want to interact with their consultants on their time and prefer you to work around their schedule rather than vice versa.

A straightforward solution for securing small business moonlighting jobs as a computer consultant is to target businesses where there is a natural fit between your time frame and their schedule. Businesses that are open in the evenings like restaurants, health clubs and call centers are one source of moonlighting jobs. Others include businesses that run second or third shifts and even those that operate 24 hours a day, seven days a week.

The problem with this method is that these clients are not necessarily ideal, full-time customers, unless, of course, you enjoy getting beeped at 2:00 in the morning. If this type of moonlighting job does not fit with the type of client you want to have fill up 90% of your client roster, then you need to work on your flexibility and make yourself available to small businesses on their terms.

Moonlighting Jobs and Job Flexibility

You want to build a solid base of 9-5 clients because once your moonlighting job phase is over, it is unlikely you will want to continue sacrificing your nights and weekends. This creates a bit of a Catch-22 as you are primarily available on evenings and weekends yet the clients you want to attract, want you to be available 9-5. This is where having job flexibility is absolutely critical.

You need to be able to use vacation days, personal days, and sick days to work with clients. Being able to take long lunches, go in late, and leave early are crucial to your ability to secure small business, 9-5 moonlighting jobs. You can accommodate a networking breakfast if you come in late to work and if you can get off work early then you can get started working with a client before the end of their business day and stay on into the early evening. To pull this off, your day-job has to have a significant amount of flexibility built in. If it doesn't, your ability to secure the type of moonlighting jobs you seek will be severely limited.

The Bottom Line on Moonlighting Jobs

Getting moonlighting jobs as a computer consultant for small businesses requires persistence and flexibility but the sacrifices you make now will pay-off later in terms of an excellent client base that you want to sustain as you transition to full-time computer consulting. This means a bit of a juggling act on your part but just until you are able to give yourself the 9-5 hours your clients are enjoying.

Multisourcing Creates More Opportunities

As more companies turn to outsourcing to alleviate budget issues and increase productivity, they are generating more business through multisourcing agreements in tandem with other firms. Through multisourcing, smaller firms are being given the opportunity to compete with larger organizations.

Early in 2006, General Motors announced a $15 billion, five-year outsourcing plan and awarded long-term contracts to a host of vendors, including EDS, Hewlett Packard, Capgemini, IBM, Compuware, Covisint and Winpro.

Private equity firms with cash flow are turning their attention to multiple small and midsize technology outsourcing firms to meet their needs. According to analysts, similar long-term contracts and the resulting stable cash flows make the companies attractive takeover targets for equity firms.

Servicing clients like these is the expertise of Quintek Technologies, a rapidly growing outsourcing firm based in Huntington Beach, Calif. Since 1991, the company has provided outsourced back-office services to Fortune 500 companies and federal agencies alike. Last year, Quintek posted a 418 percent increase in revenues.

Quintek is an industry leader in document management and related back-office services, providing a variety of customized solutions for financial, insurance, medical, professional and government institutions of all sizes.

Clients rely on Quintek to quickly, efficiently and accurately convert paper documents into electronic images and to capture and process mission-critical data from imaged documents through customized and state-of-the-art workflow solutions.

Quintek's Business Process Optimization solutions encompass a wide range of services, such as mailroom services, document scanning and imaging, on-shore and off-shore data entry, and image and data distribution.

Muzak for the Business Phone System Ruined My Favorite Songs

When someone calls my office, there's a good chance they will be put on hold. We don't want to put anyone on hold; it's just a necessity that arises from being busy. When people who call are put on hold, they are greeted with a short message telling them how much we regret having to make them wait, followed by the soothing sounds of Vivaldi, Wagner, Bach, Brahms, Beethoven and others.

Yes, we offer classical music on our phone system. Some people like classical, others don't. I can appreciate anyone's musical taste, but regardless of whether or not you like classical, the recordings are of famous symphonies performing well known compositions, they are not Muzak versions with synthesized orchestras. Why do I mention this? The other day, I called upon a company we do business with and was put on hold myself. They have some form of Muzak, which many businesses now employ. Don't get me wrong, I am used to hearing almost everything on Muzak, from James Taylor to Classics of the 50's and 60's.

While on hold this time, however, I found myself humming along to none other than Mountain's "Mississippi Queen". At first, I though it couldn't possibly be, but sure enough, it was. Was I that old? Was this masterpiece of raw, rootsy rock and roll so ancient that even it deserved the Musak treatment. I hung up the phone in disgust. Apparently, nothing is sacred anymore. You see, Mississippi Queen was meant to be heard in it's original form, not condensed into a midi file and played back as though it had been originally written by the inventor of the Casio Tonebank. I had never felt so old in my life. Not only that, I was disgusted that the soundtrack to my youth had been Lawrence Welk-a-sized into fluffy, lightweight hold music. Ladies and Gentlemen, Rock and Roll has officially died.

My 5 Second Rule for Small Business Owners

Opening a new business in the real world or online in cyberspace requires thinking beyond all the money you will make. Most small business owners are clear on their ultimate goal, yet often many fail to spend time planning their marketing image. To succeed, first impressions are critical, or you may violate what I call My 5 Second Rule:

When a new prospect finds your web site, you have 5 seconds to convince them to stay.

The rule applies in the physical world, also. Your printed materials may be dumped in the trash just as quickly, or a visitor to your company may browse briefly while in fact the no sale decision was made in those critical first few seconds.

Regardless of your business, your image as a professional and credible source for a product or service depends on making a positive first impression. While most people don't realize the subconscious dynamics that occur during an introduction, how you are perceived is clouded with prejudice.

In a face to face meeting, subconsciously your prospect will categorize you immediately by sex, age, and race. This fact may be hard to believe, however, individual life experiences connect your combination of these 3 characteristics into a fixed profile based on past encounters. Overcoming any negatives begins when you speak. A warm and friendly approach while being prepared to offer the benefits of doing business will help you succeed.

In print, your business card, ad, or brochure tells a similar story without the subconscious human preconceptions. The message will still elicit a reaction, good or bad, so how you present your company in print needs to get past My 5 Second Rule. This is equally true for the home page of your web site. Here's some advice.

Customers have a need (problem), and you provide a product or service (solution). Matching these 2 for a successful sale is easier than most people realize. Front door selling, printed ads, or online web offers should all address the benefits (solution, again) and not the features (it's about the customer, not about you).

Your marketing materials need to project a mental image in the mind of the viewer. Stimulate their imagination so they picture themselves enjoying the benefits of your offer, and you can overcome My 5 Second Rule. Here's an example that was created for a used car dealer. How do you glamorize a business that is the subject of so many disparaging jokes?

This client had a featured monthly special vehicle that they wanted to promote on their web site. The photos taken in a chain link enclosed parking lot didn't convey the excitement or mental picture necessary to stimulate the viewer. The chosen vehicle was an upscale Jeep, and the client specialized in exports to Puerto Rico. To add pizzazz, I did an edit of the photo to remove the background, and placed 2 views of the monthly special on a bluff overlooking a gorgeous beach in Puerto Rico. If my descriptions succeeded creating your mental image referring to the chain link and gorgeous beach, the subtle difference in presentation should be apparent.

Bonus Tip: What to Say When a Customer is Wrong
As a small business owner, you know your business and as an expert, reacting to an email or face to face comment that you know is absolutely wrong will work wonders if you answer with two magic words: "You're right!". This works for several reasons. Most importantly, your customer may be expecting an argument, so they will only hear half of what you have to say if you reply saying they are wrong. The listener will be busy mentally sorting comebacks and supporting evidence, and may not hear any of your expert advice.

Telling someone "You're right" will have them on the edge of their chair waiting for your next comment. Shifting your argument to what you know to be the truth is easy. With a brief pause after your magic two words, continue with "...and there are many people who feel the same way. From years of experience, I've found that in fact (insert the truth based on your expertise here)... etc." and you give them the opportunity to accept your slant on the subject without having their opinion challenged. It works. For those concerned about ethics, the phrase "You're right!" is simply an acknowledgement that they have one view, and it is valid because that's how they feel.

In summary, a professional image includes a wide range of materials for making a positive first impression. Consider the feelings of your prospect and how your product or service will benefit them, and you'll do well in converting first introductions into sales.

Need Capital for Your Small Business? Here's The Scoop on Unsecured Loans

If you are seriously seeking money in the form of an unsecured small business loan, you will be pleased to know that the process can be painless, quick and easy. Lenders know your frustrations when trying to borrow money in today’s economic environment.

You’ve heard it said before: It takes money to make money. Think about it. Whether you need to increase your inventory, or perhaps increase your equipment, you need money to seize business opportunities to increase your business.

Fortunately, there are places where you can obtain business loans without collateral. If you’ve operated your business for over a year and generate a minimum of $3,000 in credit card sales per month, you can pre-qualify for a business loan. You may barely meet these requirements or you may greatly exceed them. Each credit situation is unique. Clients that pre-qualify have a better than likely chance of receiving funding. Lenders will extend their efforts to assist you in securing a loan for free. Until you have successfully secured funds, there is no obligation and no fee.

If you are an individual or start-up business, you may be able to borrow between $10,000 and $150,000. If you are a business owner with two or more years in operation, you may be able to borrow between $15,000 and $250,000. The amount will vary based upon a number of credit attributes. No collateral or assets are required. The amount of your business loan will depend upon your credit rating and monthly credit card sales history. It’s that simple!

Most lenders have a $5,000 minimum loan amount. Typically, loan amounts can be up to twice the amount of your average monthly credit card and debit card sales. Lenders are processing loan applications in about seven business days. Once you fill out the brief application (online, on the phone or via fax), you’ll have your money. In most instances, no financial documentation is required. These loans are available to all types of business. Most loans are for a one-year term. However, 24- to 84- month terms is not uncommon.

There is no cost to apply for these business loans; however, once your loan is approved, there is usually a “processing” fee that is deducted from the loan amount. Or, certain lenders will assess a “loan consulting” fee that varies based upon the amount of financing you receive and the type of loan program you choose. In any event, fee structures are set forth before your loan is finalized. Many loan programs have no fees so it is good to take a look at a few lenders.

The interest rates for these business loans vary, depending on your credit situation and the lender that approves you. The interest rate typically falls somewhere between prime +2% and prime +9.99%. The overall average interest rate for most clients can range from 6.99% to 13.99%. Interest rates are clearly stated and the terms of the loans are usually set out at the time of your initial application.

Payback of these business loans is easy. The lender will automatically withhold a small percentage of your daily credit card settlements until the loan is repaid. There are no checks to write, no due dates to worry about. Your merchant account processing will be transferred to the lender’s nationally recognized processor with rates that are usually lower than your existing processing rates. In short, your lender will get their payment automatically, every day.

New Hires Are At Risk Part 1

People new to a business or job are often inexperienced and unfamiliar with the new work environment, procedures, equipment, materials, machinery and tools that may be required to do the job; they are at a greater risk of injury or illness while at work.

New workers must, but often don’t receive the information, instruction, training or supervision they require, particularly in regard to health and safety. Some companies assume the worker knows the basics in health and safety procedures. New workers also want to impress their employer, supervisor and fellow workers.

It is the employer’s responsibility to provide all workers with adequate information, instruction, training and supervision, in a form that workers will understand. New workers cannot be simply be put into a new job and expect they will work safely; nor is it enough to simply provide new workers with a booklet, as they may not read or understand it. New workers must comprehend and fully understand the health and safety procedures.

The safety of the workplace which includes the work environment, equipment, machinery, tools, and procedures should also be accessed. Identify all possible dangers and ensure preventative measures are in place to eliminate any risk to workers.

Have a clear understanding of the role this new worker will be fulfilling and the work that will be done. The role could be replacing a previous worker or the role could be new for the company. All possible hazards that can affect the new worker must be identified and controlled. Developing a job description will help to outline the specific job requirements; this outline will point to some of the hazards of the job. Some further investigation through looking at the injury statistics, the job and tasks, and even talking to workers in similar positions. Developed and documented work procedures will explain the steps needed to do the job safely. This documented procedure can then be used during the training of a new worker.

Develop a selection process that will enable selection of the appropriate person for the job. The process should include interview questions, practical demonstrations, reference checks and health assessments. It is not unlawful to require medical examinations of job applicants. They should, however, only assess whether applicants are fit to perform the requirements of the job, and not their general state of health. A question to include is: are there any past related injuries to the job description.