2. You don’t offer free software. Most people like to find good deals on software for their computers. If the software is free, that is even better.

3. You don’t offer a free contest or sweepstakes. It’s a fact, people like to win things. If you can fulfill that need, people will stop by to visit.

4. You don’t offer a free directory. Create a directory of web sites on a particular topic that is related to your target audience. People will visit because they will find what they’re looking for, all in one place.

5. You don’t offer a free e-zine. Most people love to get free information that they’re interested in emailed to them on a regular basis. This saves them time and money.

6. You don’t offer a free community. People like to have a place were they can have discussions with others on a particular subject. You could add a chat room or message board to your web site.

7. You don’t offer a free affiliate program. One of people’s basic needs to survive is money. When you offer them a free opportunity to make money they’ll line up to visit your web site.

8. You don’t offer a free online utility. When you offer a utility that can solve a problem, people will visit your web site. The utility could be a free autoresponder, e-mail account, search engine submission, etc.

9. You don’t offer free current information. Supply news stories related to your web site. People want up-to-date news on the topics they are interested in. They will also be interested in visiting your web site.

10. You don’t offer free samples of your product or service. Have you ever been to a store and you jumped at the chance to get a free sample of food? This same concept will also attract people to visit your web site.

About The Author: ‘Not Only Will I Give You the Secret Blueprint that I Use to Make Six-Figures Per Year Online, I’ll Also Provide You with the Products, Resources and Services Needed to Do It Yourself!’ http://www.push-button-online-income.com/pbp

]]> http://www.extremepersonalfinance.com/10-reasons-why-people-dont-visit-your-web-site/feed/ http://www.extremepersonalfinance.com/a-free-online-business-is-not-necessarily-free/ http://www.extremepersonalfinance.com/a-free-online-business-is-not-necessarily-free/#comments Thu, 24 Jul 2008 01:01:01 +0000 admin http://www.extremepersonalfinance.com/a-free-online-business-is-not-necessarily-free Almost every hour of every day, the Internet turns up with more advertisements to entice people who are interested in starting up their own online business. Why not start an online business, indeed? First off, it is quite lucrative, once you know what you have to do, what you need and how hard your resolution must be to succeed.

Having assured yourself of a sensible and thorough decision, you can start looking up for free online business advertisements. Weigh up your prospects and see the most lucrative of them all. However, you also need to see the reality that free online business is not necessarily free. There may only be some aspects in the business wherein you do not have to invest any amount to actually open up your online business.

Otherwise, there are bills to pay — internet access, computer maintenance, electric bills, food, etc. Keeping this in mind will prevent you from getting bitterly disappointed.

Next, look up actual experiences of online entrepreneurs who are now earning thousands of dollars. From their experiences you may learn several things that will help you become ready than ever to launch your free online business.

- On getting a domain - Accept the fact that you cannot open up an online business without a website. In looking for a domain, there will be some free offerings while some are paid. Either you choose the free online business domain offerings or the paid ones, remember to research on the features of the domain you will get before starting any transaction. If your online business need more than what the free online business domains are offering, do not hesitate to register in a paid domain.

- On Web hosting - your online business domain must reach everywhere. Better not search free offerings for these and choose the best services, even if they might cost you some dollars. However, choose the web hosting service that offers the ones you need. Do not spend on other features that you do not require.

A reliable web host has great uptime record, offers excellent customer service and has a reputation in the search engines. You do not need empty promises in web hosting services.

- On Website stats - Your online business will rely largely on the users it attracts. It is important to have a great tracker that will actually show you how many visitors you got and be able to identify each one. You must also know their reaction to your website. Know the pages they view most, so that you can refine your website and improve your marketing efforts.

- On Ad tracker - like the website stat, advertisement tracker assists you in knowing which of your marketing campaigns have the best results.

With the advertisement tracker, you will know how many users responded or reacted to your ad. Probably not all your marketing techniques are effective. With the ad tracker, you will know exactly what marketing techniques to retain and continue doing.

- On Auto responders - these tools will assist you in following up your numerous client’s requests and queries with necessary data they ask for and you think, they might need.

- On List hosts - for your free online business to prosper, you must know how to capture your target customer’s email address. By knowing their e-mail addresses, you can contact them on a more personal level and build a trusting and credible business ‘relationship’ with them.

Your free online business will also flourish more, if you as its manager and administrator educate yourself in making your venture prosper. Many courses online offer free online business training and comprehensive orientations.

Many free online business information from reputable websites give you tons of tips on handling your internet business.

Free online business may not be very free. Nevertheless, in breaking down the aspects you need to have and know in getting started, you will find many free offerings to take advantage of.

About The Author: Dana Goldberg is owner of Marketers Insider Software. Get information on new marketing insider software that will help you increasing your visitors and sales. http://www.marketersinsidersoftware.info

Real estate rental properties used to be a perfect investment for high wage earners. They were able to deduct all the losses generated by the property - and when you added up mortgage payments, property taxes and maintenance, the losses could be substantial - from their gross incomes.

The IRS has rained on that parade. Real estate rental properties are now considered passive activity, even if you actively manage the property. The only ones who can take full advantage of real estate investing losses these days are the so-called ‘real estate professionals.’

However all is not lost. Even now you can deduct all the expenses of a rental from the gross rental income. If the losses exceed income, they are converted into passive activity losses which are not deductible against ordinary income, but are deductible against other passive activity income as well as any gain made when the property is sold.

Real estate investing offers several special advantages: the purchase can be highly leveraged, from zero down to the usual 20% down payment; the mortgage payments are generally tax deductible as are the taxes and expenses of maintaining the property; and if you own the property over a year, it is subject to long-term capital gains taxes - presently 15% - minus any accumulated passive activity losses.

Because of the highly leveraged nature of most real estate purchases, investors can afford to own multiple properties. Or you can start small, with one property, and use that as leverage on another house as your equity in grows.

However, real estate is unlike other investments. Unless you buy raw land, it requires management and maintenance, insurance and tax payments. There will even be continuing costs with raw land, property taxes and liability insurance being the major expenses. If you think you can’t be sued if someone trips on a log or falls into a hole on an undeveloped piece of property, think again. Ask your lawyer what the liability laws in your state are.

If you own rental buildings, they must be insured, properly maintained and rented out. Someone has to fix the problems and collect the rent. You can do this yourself, especially if you like being awakened at three in the morning because a toilet won’t flush - I’ve been there and done that. Or you can hire a management company to do this for you. Most work on a cost plus basis.

Because of all of this, you do need to find properties that either throw off good income from rents or have the potential for appreciation, especially if some repairs are done. In other words, you have to work out beforehand how any given piece of real estate will make money for you. If it won’t, keep looking.

Real estate prices are not as volatile as the stock market’s can be, but they do fluctuate. It is better to go into a real estate investment with a long term frame of mind and remember the rule ‘location, location, location’.

Over time real estate values tend to grow and, because of the leveraged nature of the investment, the growth is magnified. For example, 5% growth on $150,000 is $7500. But if you only have 20% down or $30,000 invested, that $7500 becomes a 25% return on your investment.

Of course you don’t have to own real estate outright. You can invest in ‘Real Estate Investment Trusts (REIT)’. These are professionally managed funds that usually invest in larger, commercial projects - shopping malls and office buildings. Your aim is long term capital appreciation. The investments are heavily leveraged and the tax benefits spread among the partners.

Since real estate does not necessarily move in the same directions as stocks or bonds and also generally tends to hold its value, this is a good diversification move, but you are unlikely to realize the gains you would see with individual real estate holdings.

Also, despite the fact that real estate is booming right now, it can and has fallen, sharply at times. There have been gluts of office space in major cities, overdevelopment of residential housing (remember the S&L debacle of about 15 years ago), or there could just be a general down real estate market from time to time.

Most of us have already diversified into real estate by purchasing our home. If the equity is preserved, this can turn into a major cash cow after several decades of use. If certain simple rules are met, you can exclude $250,000 ($500,000 if married and filing separately) of any gains you realize.

As you can see, real estate investing, if done properly, can be quite lucrative. But study the subject intensively before committing yourself. The library is full of good books on the subject.

Also consult with a CPA or tax attorney on how to best structure your business for maximum returns.

For those looking for multiple streams of income, rental real estate is a good place to start.

For more financial planning articles, visit http://www.credit-yourself.com/financial-planning.html

About The Author: Chris Cooper a retired attorney, and his wife Aileen, who has a MBA in Finance, provide personal finance and financial planning advice at Credit Yourself - http://www.credit-yourself.com

]]> http://www.extremepersonalfinance.com/diversifying-through-real-estate/feed/ http://www.extremepersonalfinance.com/choosing-an-executive-search-agency/ http://www.extremepersonalfinance.com/choosing-an-executive-search-agency/#comments Thu, 24 Jul 2008 01:01:01 +0000 admin http://www.extremepersonalfinance.com/choosing-an-executive-search-agency If you’ve recently decided to find your new executives and senior management through an executive search and selection agency, then here’s how to find and evaluate those agencies before you sign up.

There are thousands of recruitment agencies, big and small, but only a minority focus solely on recruiting for executive, senior manager and director-level appointments. If you need to fill important jobs with the best people, you need to select an agency that has access to excellent candidates and the experience to know which applicants will suit your vacancy.

When you approach a recruitment specialist to find senior people for your business, you should ensure that you know exactly what they’re offering, and what experience they have in recruiting the types of candidates you are looking for.

Always shortlist a few agencies before committing yourself. Meeting the consultants and seeing how they work makes it easier to decide which agency you want to work with. Before you meet each agency, you should draw up a list of questions to ask them. For an agency that says it specialises in executive recruitment, you should be asking questions along the following lines:

]]> http://www.extremepersonalfinance.com/choosing-an-executive-search-agency/feed/ http://www.extremepersonalfinance.com/10-ways-to-increase-your-affiliate-commissions/ http://www.extremepersonalfinance.com/10-ways-to-increase-your-affiliate-commissions/#comments Thu, 24 Jul 2008 01:01:01 +0000 admin http://www.extremepersonalfinance.com/10-ways-to-increase-your-affiliate-commissions 1. Participate in chat rooms related to the product you’re reselling. Start a conversation with a person without trying to sell to them. Later on, while you are chatting, mention the product you’re reselling.

2. Create a free ebook with the advertisement and link of your affiliate web site. The subject of the free ebook should draw your target audience to down-load it. Also submit it to some ebook directories.

3. Start your own affiliate program directory. Join a large number of affiliate programs and list them all in a directory format on your web site. Then just advertise your free affiliate program directory.

4. Write your own affiliate program ads. If all the other affiliates use the same ads you do, that does not give you an edge over your competition. Use a different ad to give yourself an advantage over all the other affiliates.

5. Use a personal endorsement ad. Only use one if you’ve actually bought the product or service for the affiliate program. Tell people what kind of benefits and results you’ve received using the product.

6. Advertise the product you’re reselling in your signature file. Use an attention getting headline and a good reason for them to visit your affiliate site. Make sure your sig file doesn’t go over 5 lines.

7. Join a web ring. It should attract the same type of people that would be interested in buying the product you’re reselling. You could also trade links on your own with other related web sites.

8. Participate on web discussion boards. Post your comments, answer other people’s questions, and ask your own questions. Include your affiliate text link under each message you post.

9. Create a free ezine. Use your ezine to advertise the affiliate programs you’ve joined. Submit your ezine to online ezine directories and promote it on your web site.

10. Start a private web site. Use it as a free bonus if people buy the product you resell. You could also allow people to join for free and you could advertise the affiliate program you’ve joined.

About The Author: Here’s the Ultimate Solution to Falling Email Response Rates, Wasted Email Marketing Efforts and ALL Your Email Nightmares, Problems, Weaknesses and Shortcomings.Direct2Client Frees You from Email Publishing SLAVERY! Check Out: http://www.thedirect2client.com

What can I do with it? 1) Collect testimonials from customers who have agreed to it; 2) conduct small products surveys effectively and cheaply; 3) conduct opinion polls with prospects and customers.

This software comes with easy installation instructions, but doesn’t offer much on how to use it. So here are the steps and some tips.

Steps:

1. Login. Enter the admin username and password created during installation.

2. Click Add Survey.

3. Fill in the text boxes. The Help section on the right of the screen is a very good guide. In Survey Name, I type in the product name plus ‘Success Stories’, i.e., ‘Widget Success Stories’.

4. Click Submit. Now you’re back at the Main screen.

5. Click the name of the survey you want to add questions to.

6. Click Add Question.

7. Type your question into the first text box.

8. Select the type of form gadget you want to use to collect the answer. The choices are text, textarea (allows multiple lines of text), Option List (creates a drop down menu), Check box, Radio button, and Hidden.

9. Enter values for Width, Height and Caption. The Help section on the right of the screen should be consulted for the roll these values play. The explanation it provides is quite clear.

10. Enter a value for Default, or leave blank. This is an optional field. You use it if you want for example, ‘http://’ in a question that asks for a URL.

Tips:

Be specific with the question’s that you ask. For example:

* What do you feel is Widget’s best feature? * How has that feature benefited you? * Have you tried other competing products? * Is there anything we could do to improve Widget?

About The Author: Familiarize yourself with Testimonial Wizard by downloading the free guides. http://www.tecneek.com/download.php?list.3 Tim Robinson is the developer and chief geek at http://www.tecneek.com

]]> http://www.extremepersonalfinance.com/how-to-use-the-testimonial-wizard-software/feed/ http://www.extremepersonalfinance.com/there-are-many-places-to-get-payday-cash-loans-both-locally-and-online/ http://www.extremepersonalfinance.com/there-are-many-places-to-get-payday-cash-loans-both-locally-and-online/#comments Wed, 23 Jul 2008 01:01:01 +0000 admin http://www.extremepersonalfinance.com/there-are-many-places-to-get-payday-cash-loans-both-locally-and-online The best aspect of payday cash loans is that they are easily applied for and received. Whether you go to a local business that offers cash loans or look online, the application and approval process can take as little as a few minutes. When you go online, you have a wide variety of choices and have the ability to apply for several different types of cash loans.

Many people are taking advantage of the ease and convenience of payday cash loans. Most payday cash loans can be received within 24 hours, with many being available in just a few minutes! If you hold a job and can pay back the cash loans quickly, there is not even that much additional cost to you.

A lot of payday cash loans cost you as little as a $25 finance charge. Some cash loans can cost you more, but they usually won’t cost more than $100. That is a small price to pay to get the cash you need in an emergency

These new policies exploit a loophole in the new Finance Bill and should result in savings of between 5% and 15% for standard taxpayers and around 30% for higher taxpayers.

But there are strings attached! You can’t add extras on to your life policy such as critical illness cover and the insured sum must be a fixed sum. Neither can you have a joint policy. Basically, it has to be a bog standard, level term, single beneficiary, life insurance policy.

Then there are more restrictions, but quite honestly, these are unlikely to pose a problem to anyone unless they’re very wealthy! You can’t have one of these special life policies if the annual contributions you pay into your pension plus the life insurance premiums, exceed

Internet is full of offerings, so you must make a difference: is it your style to promote, is it your activity in promotions, your better customer support, your forum quality or

The Peril of Income Tax

Income tax can exaggerate wealth difference and can cause great deviation from meritocracy. Income tax can be very unfair and bad for workers.

Think of it this way. Imagine a country where you live. Say your friend Bob has an employee Ann. Bob is a rich man because he owns a lot of farm land that he uses as his recreational facility. Ann works for Bob as a farm labor. You work by productively serving the market through various means.

Bob earns his land through inheritance from his ancestors. His ancestors earn the land by massacring Indians and seizing their land. Not exactly productive means of acquiring wealth, however for all legal purposes, Bob’s land is his.

The market tends to reduce the effects of injustice. A stupid lazy person owning great wealth will lose it in gambling table while the smart and diligent worker will have plenty of capital owners willing to lend money to him. So I am not going to argue much over 300 years old injustice.

It’s simply a natural order that the more capable gets more money and it does take skill to commit genocide I must admit. Moreover, people often earn large amount of money unproductively due to society’s failure to embrace meritocracy. If the rule says you got to bribe or be a dictator to get rich, can we blame people to do just that? So in a certain very twisted sense, it’s fair.

Nevertheless, I look much more kindly on capitalistic wealth earned recently through merit within ones’ own lifetime rather than wealth earned through inheritance. The latter is rather dubious.

Now, what would income tax do with this injustice? Income tax will exaggerate it. You, as workers who serve the will of the market will have to pay income tax. The money goes to pay subsidy for farm products. Politicians will say that it benefits Ann. Will it? No. Ann is a farm laborer. The market value of any labor is constant across industry. If Ann gets paid with less money as farm labor, Ann will move job to a service industry.

So the subsidy does not profit Ann. Then who profits? Bob