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What is a High Yield Investment Program ( HYIP )

What is a High Yield Investment Program ( HYIP )

A high yield investment program (or HYIP) is one of the most interesting investments out there. However, like a number of investment opportunities, it has been the target of a number of scams.

The simple version is that it is an investment method that offers a high rate of returns with some risk. The investor can invest small amounts into a HYIP, which can, if it does well, yields a higher-than-normal rate of return, which you can then cash out or re-invest. While investing, you can discuss how the investments are doing and find out about scams on websites called monitors, which keep an eye on how HYIPs do.

The slightly more interesting version is that an investor sets up an account with an HYIP, and then invests a certain amount of money into the HYIP, which can be for either very small amounts or for large amounts, depending on how much you want to invest. You decide when to pull out, and then what to do with the funds.

However, be advised that it is an investment and carries with it all the risks of an investment. As such, there is the real possibility of losing the money that you invest, for all the usual reasons. Dont invest more than you can lose, and thoroughly check out the investment before giving the HYIP a single cent, just as you would any other potential investment. And be aware that, just like other investment, there are some HYIPs that are scams.

Using an HYIP as a scam is abetted by a number of factors. The first is the mystique of investing; too many people jump into investing without really bothering how it works, and hoping to get something big for something little. There is also that it relies on e-gold, which, although it has a number of advantages, but transfers cant be reversed; unlike a credit card, if a transaction goes wrong, you cant get the money back. The last is that it looks like just another HYIP, and can therefore fool most people into putting money into it, which then disappears.

Another part of the problem is that they can be easily be used for ponzi schemes, either fueling one or being the bottom layer of one. Just be watch out for very-well performing HYIP, including those with an outrageously high rate of returns, and trust the monitor sites.

Although it can be a great opportunity, you need to go into it with your eyes open. If you find a scam, then report it to the nearest Treasury office or monitor website. If you dont, then you may have just found the way to an early retirement.

Lose The Corporate Speak! –an Entrepreneur’s Guide To Getting Noticed In A Noisy Marketplace!

Lose The Corporate Speak! –an Entrepreneur’s Guide To Getting Noticed In A Noisy Marketplace!

Most entrepreneurs are corporate refugees. All they know is the corporate model. It’s kinda ironic; they choose to leave corporate life to be an entrepreneur, to blaze their own trail and then they fall back on all the boring corporate ways that made them escape from corporate life in the first place! Things like the corporate way of dressing and the corporate way of speaking and the corporate way of eating lunch alone in the food court with the sports section of the paper, unless of course they are taking a big fish client out to lunch or twiddling their thumbs at a business function eating rubber chicken.

The beauty of being an entrepreneur is that it doesn’t have to be that way any more. Why? Because you’re the boss!

There are no rules! Even if there are, you can break them. Why?

Because you’re the boss. Want to start feeling like you really are living the dream? Running your own show? Attracting instead of chasing clients? Heres the best kept secret in business!

Lose the Corporate Speak!

Whats Corporate Speak?

Hi, Im Johnathan Snooze from Boreme Some Moreme and Snore. Our company specializes in the facilitation of soft skills solutions in a proactive environment. Im the project manager. Were a one stop shop for small to medium sized business and our client say we provide excellent customer service. Our core competencies lay in the fields of

Dont be doing that!

Speak to prospects like you are speaking to a good friend. Use simple, direct, colorful language and don’t be afraid of humor. Too many entrepreneurs suffer from Professionalitis. Fortunately, it’s curable. Just talk to the people!

Even though I teach ’em, I don’t get why we have to have courses in public speaking. You’ve been speaking since you were 2. You were walking since you were 2 also. We don’t have courses in Public Walking!

Remember that the corporate guy in the 3 piece suit stops off for a beer on the way home from work just like everyone else. And I guarantee he’s not speaking corporate mumbo jumbo to the bartender or to his buddies when he’s watching the big game.

If you’re preparing a speech and want to test it out, ask a kid. Kids have a natural immunity to professionalitis. Don’t use any words with your business prospects that you couldn’t use with a bright 10 year old. Just be yourself!!! Just talk to people. You’ll connect. In our natural state, we are entertaining and fun and attract naturally. I don’t see many boring kids. But as we get older, especially after we get our first real job, we systematically bury our color.

Three simple and affordable advertising ideas for your small business

Three simple and affordable advertising ideas for your small business

When running a small business, marketing your products and services is an important aspect your must consider and plan for. No matter what industry you play in you will no doubt have competition. Even if you provide a better service or product you still need to stand out so consumers know. Marketing can be a big cost but there are also many affordable alternative to advertise your business.

Here are three simple advertising ideas and suggestions to give you high visility.

Vehicle back windows

A rear car window covererd with a sticker of your business is an affordable option to promote your business. Whenever your car is being driven around your business is being seen. For as little as one hundred and fifty dollars this is a small investment. Depending on how many years your sticker last, the breakdown cost of purchasing you rear window sticker works out to be even less.

Don’t overload the sticker with too much details. Keep the sticker bright and colorful. Avoid a cluttered look with too much details. Keep it simple. Don’t put more than three items of information. Your logo with business name, phone and tagline is all you need.

Car magnets

Large car magnets are another cheap alternative. These magnets are strong enough to withstand high speeds. To repeat – keep the design simple. Order many at a time and hand them out to your friends for their cars. You can purchase four magnets for as little as fifty dollars.

An alternative to magnets is use multiple smaller sized ones. A stack of twenty five magnets can be bought for about thirty dollars. Get people to take notice by scattering you car with these. When people take your magnets you know they’re working.

Outdoor banners

Ask your signwriter to print you a large banner. The cost of a small banner can be as little as one hundred dollars. We’ve even seen banners from as low as six dollars.

Use the small banners effectively by parking at the front of a busy event or location. Hang the banner from the side of your car. Your car and banner can’t be missed.

These are three simple advertising ideas to kick start your marketing on a budget.

Click Here to see Ryan Johns working these advertising ideas

How to promote your web hosting company

How to promote your web hosting company

There are various ways to promote your web hosting company. For this you should need to mention the name of your city and the state and the province in the beginning of your website. If you add these words along with your service keywords then it will definitely act as a promotion for your web hosting company.

In the Contact page of your website have the full address along with the country as well as the postal code. If you have all the information here then it will be easier for the local search engines and the directories to add your site and it will be a good promotion for your company.

In the About page you should include the state or the province name and the city and the country name. This would not only promote your business but also assure the website owners that they are doing business with a company having a proper address to verify.

Create accounts in Google so that you can list your company in the Googles Local Business Center. Identify your location in the Google Maps too. Other search engines where you should register yourself is the MSN Live Search where you can just click on the Help link, get the form and add the listing. Yahoo! Local is another good search engine where you can go to the Add a New Business page and add your company.

Other than the search engines, those of you who want to promote their web hosting company should give an advertisement in the yellow pages with the company name and the domain name. The local newspapers, your own vehicle, the giveaways are other avenues where you can provide the advertisement of your company. In the visiting card of your company as well as the company letterheads, mention the domain name along with the name of your company to attract the attention of the public.

Attending the networking events such as visiting the Chamber of Commerce and the trade shows would also be beneficial in promoting your web hosting business. The Meetup.com meetings for entrepreneurs can also be beneficial for you as they provide good business opportunities.

Things to Consider When Choosing A Heavy Hauling Company

Things to Consider When Choosing A Heavy Hauling Company

It does not matter whether you are using the sea or the road for transporting your equipments. What matters is the size of the equipment and the conveyance. Everybody wants to have safety when they are moving their equipments from one place to another. This is when you need to think about a heavy hauling company that specializes in transporting equipments. Hence, you must find the right organization that will be able to serve all your purposes. To ensure this you are required to find an organization that holds goodwill in the concerned field and also among its customers. By selecting the right company, you will be able to get rid of all your transportation problems and the entire process will be executed without any difficulties.

It is important to find the ideal company as you require ensuring that it offers you the much needed support that you are going to need to deliver all the equipments securely and safely. When you are availing these kinds of services you are required to ensure that the company you select should have legal authority to drive across borders. The heavy hauling company needs to be insured and licensed. You can ask for references from your family and friends who have used this service earlier. Once, you have selected a company you should get to know about its services and pricing so that it is easier for you to work with them.

Browse through the Internet thoroughly when you are looking for a Heavy Equipment Transport. The Internet is flooded with different company websites. To find one all you need to do is type in the right keywords so that you can get the relevant site details. Choose 3 best companies from the field and then make a comparison of the prices and services. This will help you to get the best deal for your business requirements.

Heavy hauling is full of difficulties and challenges and you must select a company that is able to overcome all obstacles to make successful delivery. Check whether the dispatchers offer reliable services. Make sure that you have the required route surveys done before your shipment process begins. You also need to make sure that the company has the required specialized permits so that it can ensure safe delivery of your cargo to its destination. When making your selection you need to ensure that the company offers you affordable quotes for your heavy hauling needs.

Once, you have made a selection ensure that you meet them before you make the final booking. It is essential to know regarding the company representative and experience so that you are convinced of their expertise. Choose to schedule a meeting that will help you to know more about the company. You also need to ensure that you book your company well in advance so that you can do the transportation on the right time and date without any kind of delays.

Complaints – Does Every Company Have Them

Complaints – Does Every Company Have Them

Complaints are a part of doing business. No matter how superior a company is with service to their customer, there are always some customers that are just not satisfied, or situations arise with their service that cause customer dissatisfaction. Most large companies realize that complaints are a part of their business.

To illustrate this point, think of a national company that you love to do business with (Wal-Mart, Sports Authority, Costco, Home Depot), and do a search on Google for complaints on this company by typing in the company name and then the word complaints.” Youll see that even with the best companies, there are pages and pages of complaints. Sometimes it is just very difficult to please everyone. And some people you can never please.

The Better Business Bureau states, The finest businesses get complaints. When considering complaint information, please take into account the companys size and volume of transactions, and understand that the nature of complaints and a firms responses to them are often more important than the number of complaints.”

It is always a wise practice to do your homework on a company before doing business with them. There are many unscrupulous companies in todays world that you want to avoid. How can you tell? What avenues are there in determining what company is best for you?

A good place to look is the Better Business Bureau. You can find them at www.bbb.org. Some things to consider when looking up a company report:

Is the Company Listed? – If not, that should be a big red flag. They are either too new, are flying under the radar so as not be noticed, or they arent a registered company.

Complaints Ratio – Compare the number of complaints to the company’s customer-base they are servicing. If the company has a high rate of complaints, more than 5% of its customer base, then they have a customer service problem. Less than 2% to 3% is an acceptable range. There will always be customers, for some reason or another, that are never satisfied. Youve probably dealt with some.

Resolution of Complaints – How many complaints have not been resolved? This indicates if a company makes an effort to resolve customer issues.

Rating – What type of rating has the BBB given this company? An unsatisfactory record means that the company has demonstrated practices that are misleading or deceptive, or it has failed to cooperate in efforts to resolve consumer disputes. A satisfactory record means the company has cooperated with the BBB to resolve consumer disputes and is not involved in practices that could be considered misleading or deceptive. The company must also be free from an unusual volume or pattern of complaints, as well as any law enforcement action involving its marketplace conduct.

Bottom line Do your homework. Give the company a fair review. Make sure you feel good about doing business with them.

Small Business Development And Marketing Strategies

Small Business Development And Marketing Strategies

Since most small businesses have suffered during the past several years due to declining sales generally caused by a chaotic economy, it should be helpful to explore the most practical and realistic marketing strategies available to them. Improving business development efforts is desirable during any financial and economic environment, but there are extra benefits to doing so when sales have declined for whatever reason. Because a typical small business owner does not have the luxury of choosing from many strategies available to larger companies, the marketing improvement process for small businesses is necessarily restricted to a relatively short list of business development alternatives. While the choices will vary from case to case, here are three marketing and business development strategies which will often be considered by small businesses:

* Advertising
* Increasing sales staff
* Business proposals

For most smaller companies, declining revenues have led to some financial challenges and the need to reduce operating expenses already. Therefore it is likely that a common limitation and goal in any marketing decision will be to keep the costs reasonable. When dealing with limited funds, small business owners should evaluate which marketing strategy is the most cost effective method. Business proposal writing usually emerges as the leading choice for small companies when cost effectiveness is taken into account.

There are several kinds of business proposals, and not all of them will be realistic options for each company. Here are the two business proposal types which are likely to be worth reviewing closely:

* Formal proposal solicitations
* Informal and unsolicited proposals

Of these two types, the second (unsolicited and informal proposals) usually deserves the most attention by small businesses. Formally solicited proposals are typically announced by a Request for Proposal (RFP) process and are subject to more public awareness and competition by other companies. Depending on competitive circumstances, it is certainly possible that responding to an RFP might be well-suited to some small business situations. In other words, look carefully before deciding to ignore the RFP possibility.

An informal or unsolicited proposal process potentially offers the most freedom for a small business. Timing is frequently a major problem for an RFP because the company or government agency issuing it determines in advance when it will publish the Request for Proposal and in turn will also determine the deadlines for responses. The timing for unsolicited and informal proposals is effectively under the complete control of the small business which is preparing a proposal. The combination of reduced competition and scheduling flexibility usually makes this a compelling approach to business development and proposals.

Company Car Or Company Car Allowance – Which Should I Choose

Company Car Or Company Car Allowance – Which Should I Choose

If you have the choice of a Company Car or Company Car Allowance, you should check out how much Company Car Tax (or Benefit In Kind Tax as it is also known) that you would pay if you accept a company vehicle, and then decide whether to go for the Company Car or cash. You could be better off taking the car allowance and leasing a car yourself, even though the allowance is taxable.

The Cash for Car scheme has become increasingly popular with both employers and employees in recent years. Employers save time and money in not having to source, maintain and administer a fleet, although they must always be aware of their Duty of Care and Health & Safety responsibilities. And as an employee, you have more freedom to choose the car you drive, and you could even be better off if you dont spend all of the company car allowance you receive. However, some employers do stipulate the type and age of vehicle that is acceptable, according to the job you are doing.

If you choose to accept a Company Car Allowance, its worth considering Car Leasing vs Buying. Car Leasing (also known as Contract Hire) is simply the hiring of a vehicle for an agreed period of time for a fixed monthly rental. Unlike Short Term Rental or daily rental, a car lease is usually for 2-5 years, after which you can simply hand the car back with no further commitment or, in some case, you may be able to purchase the vehicle if you wish. Car Leasing is a convenient, cost-effective and hassle-free way of financing a new vehicle, and there are many benefits of leasing a car. It enables easy budgeting of your motoring costs, and the fixed monthly payments can even include servicing and maintenance. Also, theres no need to worry about depreciation or disposing of the vehicle at the end of the contract.

Dont forget that if you choose the company car instead of the company car allowance, all your motoring costs (except private fuel) will be taken care of by your employer including insurance, road tax, servicing and repairs. If you choose the company car allowance, you will have to pay for these things yourself.

If you choose a company car allowance and lease a vehicle which you use in the course of your job, youre entitled to claim from your employer a mileage allowance for each business mile travelled. H.M. Revenue & Customs approves certain mileage rates that employees can claim for business travel, and the current rate is 40p per mile. Check the HMRC website for the latest information.

Part way between the company car and a company car allowance is something called Employee Car Ownership. This is where your employer gives you a car allowance, but the company organizes the finance deal and takes care of insurance and running costs. This may also be worth considering if your employer offers such a scheme.

Writing An Effective Hardship Letter To Avail Loan Modification

Writing An Effective Hardship Letter To Avail Loan Modification

A hardship letter is the most important piece of document required to apply for loan modification. Its substance and validity will make or break an attempt for a loan workout. This is a letter basically contains an explanation why there is a difficulty of settling mortgage amortization. It is only fitting to compose this letter carefully.

When writing a hardship letter, its important to remember to keep it short, concise but not arrogant. A one to two pages maximum letter is strongly advised. Take note that a lender does not have the luxury of time to read a novel-like hardship letter. This letter serves as outline of ones difficulty to pay for periodic amortization, so it should be direct.

Like any letter, begin with a proper salutation, use font type and size reasonably easier to read. Letter size or 8.5 by 11 inches will be the papers size; otherwise an A4 sized paper can be used.

Bear also in mind that there is a clear definition of the term “hardship” for availing loan modification. Such hardship should fall under listed by mortgage lenders. Such as bankruptcy of business, immediate relocation, or divorce from a spouse who is the co-borrower. There are still more to this, to be sure homeowners should check with their lender.

In the actual writing, the first sentence should tell why such letter is written. This may include the explanation that after all possible ways were exhausted theres still failure to meet with mortgage payments. Much of this should be in the first paragraph of the letter.

The second paragraph should describe the events that affected failure to make regular payments. This description should be done tastefully without being overly dramatic. Overly thought out explanation might appear deliberate and fake. Additional paragraph might be added to explain the intent for loan modification pursuant to financial difficulty.

It is also wise to give approximate, if not exact, duration of the hardship period. This will be the basis for the mortgage lenders to get a head start with its response for loan modification. The last paragraph should emphasize the desire to settle the loan, but asking for leeway, for the time being.

Then end the letter with parting words hoping for a loan modification, which will be favorable to both parties. It is also wise to mention about attachments to the hardship letter, which are proofs of financial difficulty claim.