Monthly Archives: September 2013

Your Own Home Shopping Show

TV marketing is the new dominant form of distributing products from the source directly to the end user. It’s the new electronic mall that brings the retail stores right to your living room.


Half-hour shows that hack products from screwdrivers and shampoos to exercise equipment and how-to programs is not at all a new concept. After all, during its infancy, advertising was what television was all about. These long-form ads, now commonly called Infomercials, has fast become the new growth area in mail order marketing.


Unlike infomercials that sell only a single product throughout the 30-minute show, the new twist in TV retailing is the catalogue format. Here, the producer of the infomercial offers products from different sources.

Independent producers are now putting together half-hour shows that showcase “theme” products as in a catalog. There are shows that feature jewelry, audio CDs, electronic items, clothing, etc.

The idea is to present uncommon products that appeal to your target market. These products may be from different manufacturers or importers who will give you the exclusive rights to market their products on television.


You can charge these manufacturers a base fee for featuring their products on your Home Shopping Show. Considering that their exposure on TV will give their products visibility that can help their regular retail and other marketing efforts, a base fee for their participation is essential and reasonable.

This fee can offset the cost of your production. For example, if you have 15 products that will pay you $750 each, you’ll make $11,250. This basic fee can more than pay for a simple broadcast-quality production finished on 3/4-inch U-Matic video system.


In addition to the basic fee, you can structure your pricing wherein you can collect anywhere from 10% to as much as 25% of the gross sales for each and every product you feature in your show. Ideally, whatever percentage you charge as your margin should pay for your airtime cost plus give you a decent profit.

The order taking can be done by an independent service which you must hire. Orders received are forwarded to the respective manufacturers who drop-ship the merchandise to the buyer.



Tips, Tricks, and Tools for Promoting Your Business

Popular Con Games And How To Recognize Them

The object of any con game is to cause you to part with your money or other thing of value. by people who approach you on the street or call on you at your home. Be suspicious of ANY plan, idea, scheme, business deal or whatever that requires you to part with your money on short notice.


Cons like the “pigeon drop” are very common. In this scam the victim is approached by persons claiming to have found a large sum of money. The suspects tell the victim they would like to share the money with the victim, but ask the victim to put up some of his own money as a gesture of good faith. Packages, bags, or whatever are switched and the victim ends up with a wad of paper or the like and the suspects are no where to be found.


In the “rocks in the box” scam, the victim is approached by a suspect who offers to sell him a new TV or VCR or similar item at a very low price. Once the victim parts with his money he finds himself stuck with a box containing bricks or other junk used to simulate the weight of the claimed contents of the box.


The “bank examiner” con is commonly practiced on older females. In this scam the victim is contacted, usually by phone, by a person claiming to be an officer of the bank at which she has an account. The caller claims that due to computer malfunction or other problem, the bank needs to verify certain information. During the conversation, the caller tries to obtain needed information about the victim’s account balance, recent account activity, etc. The caller will also try to determine if the victim lives alone, etc. If the phony bank officer gets the needed information he will thank the victim, and tell her he will call her back if there are any problems.

After a short time the phony bank officer will call the victim again and tell her that the problem has been caused by a bank employee that they suspect of stealing from customer’s accounts, including the victim’s. The victim is asked if she would assist the bank in catching the dishonest employee. The victim, wanting to help nab the crook, often agrees. She is then given the “plan” by the phony bank officer. He tells the victim that a “dummy” account has been set up in her name for this event.

She is to go to the bank and to the suspected dishonest employee and withdraw $3000, the amount stolen from her account. The phony bank officer tells the victim that the dishonest employee, knowing that the withdrawal will cause the victim’s account to be overdrawn, will have to steal the money from yet another account to make up the difference.

The phony bank officer tells the victim that the dishonest employee’s actions will be monitored on closed-circuit TV, and this is how he/she will be caught. The victim is assured that her account is fully insured and she will suffer no loss due to the employee’s dishonesty. The victim follows through with the plan and withdraws the agreed amount.

The victim then meets the phony bank official at a pre-determined location. The phony bank official then takes the money from the victim, telling her that it actually came from the “dummy” account and not her account, and that it is needed as evidence. The victim is given a receipt for the money and of course neither the money or the bank officer is ever seen again!


The victim is contacted by phone by a person claiming to be a friend of a relative of the victim. The victim is told that the relative has been arrested for an outstanding warrant or some other minor charge, and needs money to get out of jail. The “friend” asks the victim for the bail money. If the victim agrees, the caller will arrange for himself or another person to pick up the money.


The suspect will scout a neighborhood to find a suitable unoccupied home. He will check a city directory publication to determine the name of the homeowner. He will put the name on a phony shipping label and attach that to a box containing rocks or similar type debris. He will then return dressed in an “express delivery” type of uniform. He will pretend to knock or ring the doorbell at the unoccupied house. Getting no answer, he will then go to a next-door or nearby neighbor and ask them to accept the package and pay the C.O.D. fee.


The suspects drive to the victim’s house in a contractor type vehicle and dressed in workman’s clothing. They tell the victim they have just finished a large roofing job (or driveway resurfacing, etc.) and have some materials left over. They tell the victim they will use the left-over material to repair the victim’s roof, driveway, or whatever, at a large discount. If the victim agrees, the suspects will do a quick, shoddy, job with cheap material. These con artists usually travel from town to town perpetrating this scam, staying away from their home town where they would surely be caught in a short time.



Tips, Tricks, and Tools for Promoting Your Business Online

Obtaining FREE Advertising!

“Tricks of the Trade” We’ve Used to Get a Lot of Free Ads

Published 1991 by Mascor Publishing, Silver Spring, Maryland

1. Advertising Specials: If a magazine offers a “two for one” deal, or a “pay for 3 and get a fourth ad free”, take advantage of it; it’s Free Advertising!

2. Free Listings: Some publications offer to list your name and address Free, if you have something that you offer “free for the asking” to their readers. This can be a “free sample”, a free list of customers; or whatever. Tell publishers what you have to offer!

3. Print a Booklet Offering Tips: List tips or what-have-you, and on the inside pages, or in the back, place some of your own Free ads!!

4. The Piggy-Back Method: Every time you get ready to mail a letter or fill an order, place other ads in the envelope; it costs you no more and it’s like getting a free ad!!

5. Free “Give-Aways”: These can be pens, rulers; key chains, etc., each with YOUR ad message and address on each one. Give them away and your Free Ad rides along!

6. Your Own Advertiser/Newsletter: Issue it regularly; sell ad space in it and subscriptions to it. They pay for the printing and postage, and YOUR ads in it, too, at no cost to you!

7. Trade Products/Services for Ad Space: If you have something which a publisher needs, trade what they want, for ad space!

8. Provide Commission Ads to Dealers: Your dealers place YOUR ads over THEIR name! Free Ads for your products!

9. Columns; Releases, etc.: Publishers will often print these free, if it’s NEWS, or interesting to their readers! Send notices out to editors and get free ads in exchange!

10. Share Costs With Others: Get together with other dealers and mailers. Split costs and quantities with others. Your ads go FREE to HIS customers, and HIS go free to yours!

11. Offer Your Commission Ads to Publishers: They insert them as “mailer/distributor” commission ads! They cost you nothing and can get you lots of orders!

12. Your Product as a BONUS Item on Another’s Flyer: This can increase the other person’s orders, and YOUR product gets advertised on HIS fliers, etc!

13. Place PIM-50 Phrases in your Ads: This says to Publisher: “Insert my ad in your publication and I’ll help distribute 50” (or more) copies for you. It’s another kind of “trade deal” with publishers.

14. Give a Talk or Seminar: Contact local clubs, and organizations. They always seek outside speakers. After you talk about your business or your product, hand out flyers, etc. It’s like getting free advertising!

15. Ads on Bulletin Boards: Put up flyers on grocery, laundry bulletin boards.

16. Make a Rubber Stamp of your Ad: Stamp it everywhere you can. Stamp it on envelopes; flyers; etc.
17. Be Listed as a Source in Back of Books: Often writers will want to list references and sources in their books. Get the work out to authors! Look for ads offering Free Ads!!

18. Discount to “a Friend”: Tell your customers you will give discounts to anyone they send your way! It’s Word of Mouth advertising; the best you can get and it’s free!

Free advertising is any message that goes out to prospective buyers without cost to you! There are lots of ways to get others to spread the word about what you offer! Try these methods; and you’ll get lot of free ads; which mean more responses and more orders!




Tips, Tricks, and Tools for Promoting Your Business


Piano Repairing and Rebuilding

Repairing or Rebuilding your piano can be a very difficult question to reply to . Typically, piano restoration can be carried out at many different levels depending  on the customers budget as well as the things that really need repair. It usually is a concern of mine on the standard of the piano in the beginning. For instance a Piano that cost  $1000.00 if this was new would hardly be worth putting an equal amount of money in the piano to create it returning to the standard if this was new.

For example, we percieve MANY older pianos come through our studio when a basic interior cleaning, action regulation, tuning and voicing ‘s all that is needed to revive the piano into a wonderful playing and sounding condition. These services can run anywhere between $300 to $3000 with respect to the extent from the mending. If your piano was originally a $5000.00 piano it would probably be worth carrying it out. About the other hand if your piano was only a $2000 piano when new, odds are that it wouldn’t be definitely worth the rebuild

In some cases for example basic interior rebuilding which includes, restringing, damper work, hammer replacement, regulation, tuning and voicing, the costs ranges between $2500 and $5000. This kind of rebuilding is often suited for lesser quality pianos, that will put them into satisfactory condition, without going way beyond the need for the piano if it is complete.

The typical interior restorations we percieve for vintage Steinway and Sons pianos, from say 1900 up to the more current production models, typically range in the $8000 to $12,000. These pianos will usually need and receive new pinblocks, soundboard repairs, bridge repinning, new  action parts, capo and agraffe work, keytop replacement or ivory repair, key repairs, damper action replacements, and thorough regulation and voicing.

A premier-end, full-blown interior restoration of the earliest pens (pre-1900), or especially worn-out Steinway piano can reach well over $20,000 to $30,000. As well as the typical Steinway piano restoration above, these pianos will incorporate: new soundboards with new bridge caps, new keyset duplication, keyframe rebuilding, rim reconstruction and repair, complete new damper systems, and more extensive voicing and regulation work.

Still, this restoration, although expensive, is in no way a much better bargain than buying a new hand-made, high-end quality piano. Most start at $35,000 for the smallest of baby grands and reach upwards of $125,000 for concert grands and art-case style cabinetry!

Precisely what does it cost to refinish my piano?

Piano refinishing costs will change depending on the size, color, texture and expertise of the finish being applied. Through the smallest upright piano with more basic finish applied, prices begins at $1500 and go up to about $3500.

Typical mid-sized parlor grands, within a basic ebony-satin finish, with hardware plating an accidents repairs, generally cost between $3500 and $5000. Since the pianos develop, or the finishes are more exotic (including high-gloss, or ornate carvings throughout), pricing is generally between $5000 and $9000. Every piano differs and ought to be evaluated individually so that you can accurately estimate a refinishing cost.

My 20% Solution for Increasing Your Chances of Becoming a Millionaire

The 11 Most Shocking Investment  Predictions for 2014…

Fellow Investor,
It’s no secret that if you uncover “The Next Big Thing” before everyone else, you’ll probably never have to worry about money again.
That’s why I spent over 4,000 hours

researching and compiling

the following list of shocking predictions — to show you what I think are the best under-the-radar investment opportunities for the next 12 months.
These predictions are unlike anything you have ever seen. But as you’ll see, my past forecasts have returned a small fortune to investors who followed them, and I expect the following 11 predictions to be the most lucrative yet…
1. Forget Coca-Cola or Pepsi: there’s a new beverage king in town. It’s already being talked about in the The New York Times, The Washington Post, and Fast Company magazine. Several major brokerage houses list it as a “buy.” I predict that within the next 12 months this young, fast-moving company will reach a tipping point and threaten Coke and Pepsi. More on this company, including its name and ticker symbol, below.
2. Apple will create a new currency called iCash and become the largest bank in America. It’s already quietly making moves in this direction.  Of course Apple is known for creating revolutionary technologies that alter our way of life. Best of all: we’ve identified a small, unknown company that’s poised to profit most from Apple’s next move. It makes a key ingredient that the iPhone can’t function without.
3. Former-President George Bush will make millions by investing in a private, hidden stock market. He wouldn’t be the first former president to do so. Bill Clinton made $15.4  million after his presidency. George H.W. Bush also made a sizeable amount after leaving office. Now, I think W. will be next. More importantly, there’s a little-known way for you to cash in on this investment arena as well. Get all the details below.
4. Instead of dealing with doctors, waiting rooms, and painful treatments, a new medical device will allow you to diagnose any illness, anytime, anywhere. It will weigh less than 5 lbs. and only cost a few hundred dollars. Read below to find out how this device could be the miracle we’ve all been waiting for, and how you could profit immediately.
5. One of the most important electronic devices of the last 146 years will disappear. It’s likely within your reach right now. You’ve probably already used it today. But consider yourself warned: its days are numbered. And the company leading the charge to kill off this mainstay is trading for a bargain. I’ll tell you all about it in just a moment.
6. Russia will end a 20-year treaty with the United States that’s responsible for 10% of our electricity supply. This will cause a key commodity to spike in price in 2014. One little mining company is sitting on 65% of the worldwide supply of this commodity. I have the details below.
7. Strategic metals will be caught in a severe supply crunch in 2014. Used in everything from computers to satellites, these 17 exotic metals are essential to  our modern way of life. But China has a stranglehold on these metals, and is  limiting supply to jack up the price.

Position yourself now on the profit side of this development (details below).

8. A bizarre plant from the Midwest will end America’s dependence on foreign oil. This plant is almost completely unknown, but because of its unique qualities, Michigan State University says it could replace 5.5 billion gallons of fuel per year. But I believe that’s just the beginning. And after I show you the breakthroughs that are happening today, and the big oil companies preparing for the end of foreign oil, I think you’ll agree. Best of all, there’s an easy way for you to start profiting today.
9. Bolivia’s socialist president Evo Morales will nationalize the world’s largest pure silver mine, now owned by an Idahoan company. The price of silver will soar. You have a historic opportunity to multiply your wealth. It’s with a company that gets its hands on un-hedged silver “streams” for low, fixed costs of around $4 per ounce — without having to shell out a penny in capital expenditures.
10. 2014 will usher in the age of the drone. You probably know President Obama loves drones. After all, U.S. drone spending has increased 890% in the past decade. But did you know the FAA predicts drone spending will increase another 1,700% in the next decade too? You have the rare chance to get in early on a trend that  will likely last long after Obama leaves office. Read below for a simple way to invest in this booming industry today.
11. This tiny company will kill the gasoline engine. Deals are already quietly being made with top carmakers. Billions are being invested. For more on how this company could change our way of life — and make you triple-digit gains in the process — keep reading.
My name is Andy Obermueller. I’m the Chief Investment Strategist for our Game-Changing Stocks advisory here at one of the nation’s leading investment research firms — StreetAuthority.
My job is to find game-changing ideas that alter our very way of life and to help our readers make money  from investing in them before the crowd.
I’ve spent the last several months uncovering 11 hidden opportunities that I doubt you’ll hear about anywhere else. And in today’s presentation, I want to share these forecasts with you.

Of course, these are future forecasts. And of course, nobody can predict  future events with pinpoint accuracy 100% of the time. But we’ve issued a number of forecasts like this over the years, boldly stating our unhedged predictions. And if you’ve followed them, you’ve seen how accurate many have been.

For example, in 2009 we told our readers to expect a big move in nanotechnology. We said, “This is an opportunity of enormous proportions.” Our nanotech pick shot up 293%.
We claimed in 2010 that the “best sci-fi speculation of the year” would be a powerful technology called RFID… and that three stocks could skyrocket because of it. Our  recommended picks were up 42%… 89%… and 310% a year after being featured in my list.
We also said “we see Apple breaking new ground next year.” That was back at the start of 2010. The stock proceeded to rise 92% over the next two years, and readers who followed our advice doubled their money in two years.]


Then in 2012, I told readers to “avoid the stock for the coming 12 months.” Sure enough, after a strong start Apple’s shares plunged, losing a third of their value.


Last year we also predicted that “stocks will soar as Congress passes a long-term tax proposal.”
At the time, this seemed impossible. Many experts believed the country would go over the “fiscal cliff.” But sure enough, Congress reached an agreement. And by early February, the Dow broke through to a 5-year high.
Of course, there’s no guarantee that our new forecasts will be as profitable as our earlier ones. And not every one of them will come to fruition.
But after spending thousands of hours researching them, I am convinced that these 11 predictions could give  individual investors like you the best opportunities to bank the highest gains in 2014.
Let’s face it, even if only one of them pans out as predicted, you will be  positioned to make triple or quadruple-digit gains. Of course, in a letter like this, I can only hit the highlights. There’s simply not enough room for all of the data, projections, analysis and judgment that go into each of these forecasts.
So I’ve compiled all of this research into an exclusive report called The Hottest Investment Opportunities for 2014. This report lays out the details of all of my predictions for the coming year — and the stocks that will profit from these bold calls.
I’ll tell you how to get this exciting new FREE report in a moment. But first, let’s get to my latest forecasts…

Prediction #1:  Forget Coca-Cola & Pepsi: There’s a New Soda King In Town

I’ve found a soda company that is not your typical soft drink outfit.
Instead of making soda, it makes a sleek drink dispenser the size of a blender. This dispenser turns tap water into a soda of your choice in a matter of minutes — all from the comfort of your own home.
After quietly entering the U.S. market in 2009, the company’s profits are now growing by more than 50% every year. And demand for its machines is booming. They’re now sold in 60,000 stores and are flying off the shelves. During the 2012 holiday season, stores couldn’t keep them in stock.
What’s more, the company is now partnering with other beverage companies, such as Kool-Aid, Country Time Lemonade, Kraft, and V8.
The machines are going into homes, and heaven only knows where else they could end up.
The New York Times suggests that restaurant chains will start making signature sodas that include alcohol. This would trigger thousands of machine sales and a sizeable amount of high-end drinks. Bottom line: this company — SodaStream (NYSE: SODA) — is in a clear uptrend. And I predict it will catch fire over the next 12 months and become a serious threat to Coca-Cola and Pepsi.
Invest in it today and you could have a real winner on your hands. Especially when you consider that the shares are priced cheaply. For a company with such growth potential, it’s a bargain.
That said, if you have any experience finding ten-baggers, you know that life-altering profits come after digging one level deeper — down to the really big opportunity.
In this case, dig a little more and you’ll quickly find a cheap, unknown stock that’s poised to ride SodaStream’s coattails to the top. It makes the sweetener needed for SodaStream flavors.
It’s a penny stock. Don’t bet your life savings on it. But even a few hundred dollars invested in this company could make you enough money to dramatically change your financial future.
You’ll find more information on it, including its name and ticker symbol, in The Hottest Investment Opportunities for 2014.

Prediction #2: Apple Will Create a New Currency Called iCash and Become the Largest Bank in America

“I’m not sure any of us will carry (physical) wallets ten years from now” — Michelle Peluso, Citigroup.
When you were younger, would you have ever believed that a handheld telephone would replace your wallet? Well, that’s becoming the new reality.  According to market-research firm Gartner, every year people use their cell phones to buy $172 billion worth of items. And that number is expected to increase an amazing 249% by 2016.
To capture those gains, several companies are positioning themselves to compete in this very big mobile payment game. I predict Apple will be the winner.
In fact, I predict that within the next 12 months, Apple will create a new currency called iCash and become the largest bank in America.
The company is already quietly moving in this direction. It recently acquired biometrics security firm AuthenTec (Nasdaq: AUTH). Why? Because the single most important part of the mobile payments revolution is security. It wanted to have sole access to the best technology.
And remember, Apple has a history of transforming technology into something you can use every day. Just look at the iPod. Or iTunes. Or the iPad.
Having followed Apple for more than fifteen years, and having made several accurate predictions about the company, I believe that it has the best shot of creating the “It” product when it comes to mobile payments.
That’s not to say that Apple doesn’t face stiff competition.
For instance, Wal-Mart, Target, 7-Eleven, Publix Supermarkets and a handful of other major retailers announced that they are working to develop their own mobile payments system, according to The Wall Street Journal.
And other cell phone companies, like Google and Vodafone, are also vying for dominance in this space.
Fortunately, there’s a simple way for you to profit from this sea change with or without Apple being the winner.
It’s with a company that has a unique role in this game: It makes the various electronic components, including chips that make mobile payments possible. It has relationships with all of the major smartphone manufacturers, including Apple.
It’s a $6 billion company, which would be nothing for Apple or Google to buy, considering their cash hoards. After the AuthenTec acquisition, I hold that out as a distinct possibility.
In any case, if mobile payments keep growing at triple-digit rates, this company would be providing hundreds of millions of chips… and could easily double its profits in a few short years. You can imagine what that would do to its share price.
It clearly has the most upside of any company competing in the mobile payment space. I’ll tell you all about it in The Hottest Investment Opportunities for 2014.

Prediction #3: Ex-President George Bush Will Make Millions Investing In a Private, Hidden Stock Market

You don’t hear much from W. these days. What’s he been up to?
I think he’s preparing to make a big bet in a hidden, private stock market that regular folks aren’t allowed to invest in. And in the next 12 months, I predict he’ll make millions of dollars from one of his investments.
He wouldn’t be the first ex-president to do so.
When Bill Clinton left office, he got into this little-known market in a BIG way.
According to Bloomberg News, Clinton made $15.4 million between 2003 and 2007.
He made $1 million in 2003. $4 million in 2004 and $5 million in 2005. In 2006 Clinton earned $2.5 million plus a $156,611 bonus. In 2007 he earned $2.75 million.
Clinton isn’t the only ex-president to cash in on this hidden investment market. Former President George H.W. Bush did it. So did his son, former Florida Governor Jeb Bush.
This market is riddled with former government big shots. Al Gore, Rudy Giuliani and Colin Powell have all made money in it. Now, I think George W. Bush will be next. It just seems to be the thing to do once you leave office.
The reason so many former politicians are involved in this underground investment market is because it’s reserved only for society’s elite. Typically, just 6% of investors are allowed to use it. You have to be worth millions of dollars, and your home equity doesn’t count.
Apparently, the politicians think small investors aren’t sophisticated enough to handle these underground opportunities. But as you’ve seen, it hasn’t’ stopped them from cashing in themselves.
But the good news is, I’ve found a backdoor into this private market. Thanks to a little-known loophole, you can invest alongside all these rich and powerful politicians — and all it takes is a few hundred dollars.
I’ll show you exactly how in my latest report, The Hottest Investment Opportunities for 2014. In the report, you’ll discover 5 different ways you can start making money in this private market. Regular investors who’ve used my secret in the past year have already seen gains of 41%, 46%, 76%, and growing. You could be next.

Prediction #4: A New Medical Device Will Allow You to Diagnose Any Illness, Anytime, Anywhere

It’s 3 AM. You can’t sleep because of the shooting pain in your side. You’ve been to the emergency room, but they just told you to go home and rest. Now the pain is spreading to your shoulders and chest. Every minute it’s getting worse…!
What I’ve just described is everyone’s worst nightmare. However, I don’t think situations like this will exist much longer.
I predict that in the next twelve months a device will be made that allows you to diagnose an illness from your own home. It’ll weigh less than 5 pounds. It’ll cost as little as $50. And it will probably be created by a 16-year-old from Maryland named Jack Andraka.
He’s already created a similar device. In 2012 — then just 15 years old — Jack created a dip stick that detects pancreatic cancer. This detector is “nearly 100% accurate, 28 times faster, 28 times less expensive, and over 100 times more sensitive than current tests,” according to British newspaper Daily Mail.
This achievement won the boy genius a $75,000 scholarship at the 2012 Intel Science Fair. But he’s not resting on his laurels. He’s hard at work on a device that he says will “diagnose any disease instantly.”
His work is part of a larger effort by a non-profit group called X Prize Foundation. The group offered $10 million to anyone who could create a device that could detect 15 illnesses in 30 people.
Whiz kid Jack Andraka has teamed up with a few other teenage geniuses to be the first to create the device. But they’re not alone. 265 teams in 33 countries around the world have thrown their hats in the ring. If just one succeeds, it could transform health care as we know it.
What’s more, there’s a way you could profit from this kind of innovation already. In The Hottest Investment Opportunities for 2014, I’ll tell you about two cutting-edge healthcare companies that are already creating the next generation of diagnostic and testing devices.
One is a surgical equipment maker whose stock has skyrocketed 371% in the past year, but still has room to grow. The other is a company revolutionizing the operating room in three unique ways.
Make no mistake about their potential. These companies could make fortunes for you and other investors that far outpace the market.

Prediction #5: Say Goodbye to the Keyboard

If you had known a certain three-letter word in the 1980s, you could have been a billionaire many times over.
The word I’m referring to is GUI (pronounced “gooey”). It’s the term used for all the little icons on your computer’s desktop.  Prior to these icons, it was nearly impossible for the average person to work on a computer. But then Bill Gates made them part of Windows. Now they’re central to any computer’s interface… and Gates is one of the richest men in history.
The lesson is clear: When you’re looking for the “next big thing” in computers, start with the interface.
Which brings me to one of the oldest parts of a computer’s interface — the keyboard.
It’s been a solid input device since it was patented way back in 1867. But after 146 years, its days are numbered.
Within the next 12 months, I predict a computer’s primary interface will be touch and voice.
In truth, this is hardly a bold prediction. Every day, more and more companies are signing up for voice recognition software. Disney, Bank of America, Wells Fargo, T-Mobile, Panasonic, Dell and countless more are making the move.
To add to that, one of the most popular computers today, the iPad, doesn’t even come with a keyboard, and never has.
Bottom line: Even if the keyboard manages to hang on for a few more years, there’s no denying that voice control of electronic devices is getting bigger.
Fortunately, I’ve found what could be the perfect company to invest in while this trend is still in its infancy.
It’s with a company called Nuance Communications. Nuance is far and away the industry leader. If you’ve ever used voice recognition software, chances are this company’s technology was being used. All the companies listed above are clients, along with dozens more.
During the past five years, its shares have jumped more than 340%, nearly tripling the Nasdaq over the same period. But don’t think you’ve missed the boat. Its profits are rising double and triple-digits every year and it has a number of growth catalysts going forward.
Just one example is clinics and hospitals. They’re in dire need of ways to cut costs, and this company has already signed several as clients: The Mayo Clinic, the Cleveland Clinic, the Veterans Administration, and Kaiser Permanente, to name a few.
How far can this company go?
In reality, there’s no immediate barrier — not even to international markets. Voice recognition software is language-neutral. So the company has huge opportunities abroad, which it’s barely touched to date.
Best of all, it’s dirt cheap right now.
I’ll reveal more details on this disruptive company in my report, The Hottest Investment Opportunities for 2014.

My  20% Solution for Increasing Your Chances of Becoming a Millionaire

Before I go on, I should say that I don’t recommend you risk your mortgage on these ideas. Instead, I suggest you try what I call my “20% solution.”
You see, these predictions are designed to help you become a millionaire. And the best way to do that is by making an occasional “swing for the fences” investment.
Put 80% of your portfolio in safe, reliable assets: dividend stocks, blue chips, index funds, and the like. But keep 20% in the big ideas that are changing the world. This will dramatically increase your profit potential without taking on all the risk.
For example, assume you start with a $25,000 portfolio that tracks the broader market. The average annual return from 2002 through 2012 for the S&P 500 was a measly 4% (with dividends). That means $25,000 turns into $38,789 in 11 years.
But things can change dramatically when you add in the potential for just a few big winners.
Let’s say you invest 80% of your $25,000 portfolio, or $20,000, in the broader market to achieve that 4% return. Then you allocate the remaining 20%, or $5,000, to a collection of “game-changing” picks — stocks with the potential to snag major gains.
If the game-changing part of your portfolio averages 30% a year, then the initial $5,000 grows into $89,608 after 11 years.
Add in the $20,000 and its market return, which has grown to $30,789, and you’ve got $120,397 — more than double the other portfolio, all thanks to where you put just 20% of your money.
That’s the power of the game-changing ideas I’m telling you about today. Allocate a few thousand dollars to them — or even a few hundred — and you could get huge gains with very little risk.

Prediction #6: The Surprise Investment of the Next Year Will Be Uranium

At the end of 2013, an event is scheduled to take place between Russia and the United States that has major investment implications.
On that day, a 20-year treaty between the United States and Russia will expire.
Few investors realize it, but uranium from old Russian warheads generates 10% of our nation’s total electricity — more than solar, wind and hydro combined.
31 million Americans rely on electricity generated by this Russian uranium, which fuels U.S. nuclear plants. And this nuclear lifeline will likely be cut at the end of the year.
What does this mean for investors today? Well before this uranium supply is disrupted, the price of uranium mining stocks could rise sharply.
It might come as a surprise after the Fukushima disaster a few years back, but nuclear power is still a growth industry.
Only 10 of the world’s 445 reactors stopped operating after the accident. Meanwhile, more than 60 new ones are under construction in 13 different countries… and 370 more are in the planning stage.
For example, China has already begun building more than two dozen new reactors. These will triple the size of its nuclear reactor fleet over the next decade. And India has 20 operating nuclear reactors with 7 more under construction.
But all those new reactors can’t deliver a single kilowatt without uranium.
Problem is, there’s not enough to go around. The world’s 435 active reactors burned through about 180 million pounds of uranium last year. But miners could only produce around 140 million pounds — leaving a 40 million pound shortfall.
So far, the difference has been made up from salvaging uranium from other sources — like recycled Russian warheads. When the supply dries up, we could see uranium prices soar.
Your best bet to profit is with the only uranium miner in the world that has a chance of ramping up production fast enough to satisfy the coming wave of demand. This single firm produced almost 20% of the world’s uranium mined last year. What’s more, it’s sitting on 65% of the world’s known uranium supply.
It owns a high-grade mother lode that boasts the richest uranium ore body on the planet — with concentrations 100 times stronger than average.
The site is so fertile that the ore has to be blended with waste rock just to make it safe to handle. That ultra-high ore grade is a major advantage. Extraction costs are so low they could turn a profit even if prices drop in half.
Uranium now costs around $40 to $50 per pound. If it jumps by $30 a pound, which could happen fast once the Russian supply dries up, it could add hundreds of millions of dollars to this company’s bottom line. This stock would almost have to soar.
Get your free copy of The Hottest Investment Opportunities for 2014 today and you’ll get our overview of the uranium industry… and the name and symbol of our top pick in this arena.

Prediction #7: Rare Earth Metals Will Be Caught in a Severe Supply Crunch in 2013 — Prices Will Soar

The rare earth metals are a collection of 17 elements clustered at the bottom of the periodic table.
Without them, you can say goodbye to the modern way of life. No more flat screens… no more computer hard drives… no fiber-optic cables… no digital cameras… no MRI machines. No more satellites… no more GPS.
Considering how vital they are to our national security, you’d think the United States would have a deep strategic reserve of these metals.
You’d be wrong. We barely produce any at all.
China controls about 95% of the world’s supply. It calls this collection its “21st century treasure trove.” And recent moves by the Chinese suggest that the country plans on using its metals monopoly to its advantage.
US News & World Report noted a few months ago that “China deliberately ceased production of these rare metals last year in what was almost certainly an effort to drive up prices worldwide.”
The report goes on to say that the Chinese also restrict exports of rare earth metals. Thus, large foreign companies have no choice but to build inside China.
Beijing’s move to control these vital minerals is a wake-up call to the rest of the world.
If you’re the kind of investor who looks for the big scores… the kind that could set you up for years… this is where you need to be looking. There’s no guarantee rare earth metals will make investors money, but I like the chances.
Problem is, there are a lot of fledgling start-ups jumping into the rare earth gold rush that you’d be wise to avoid.
So what’s the best way to invest? I think I’ve found it… and it’s not a single company.
You’ll see our pick in your copy of our The Hottest Investment Opportunities for 2014 report. Instead of focusing on one company, this fund allows you to own them all. It gives you a cut of nearly 30 of the world’s top companies in the field. As long as demand keeps up (there’s little reason to think it won’t) and supply is tight, the pressure should build toward higher prices… and the companies within this fund are the most likely ones to benefit.

Prediction #8:  A Bizarre Plant From the Midwest Will Replace Foreign Oil

In the next 12 months, I predict America will undertake massive efforts to rid itself of foreign oil. But not by conventional means. Instead, we will use a whole host of bizarre natural resources — one of which will be a strange plant called switchgrass.
Like all plants, switchgrass contains a special sugar deep inside it. If extracted properly, this special sugar can be converted into fuel for cars, homes, airplanes… you name it.
Switchgrass’ advantage over other plants is that it’s extremely hardy. It can grow on unfertile land. And, if cared for properly, it only needs to be planted once every ten years.
That means companies and farmers could plant switchgrass en masse on land that most crops can’t grow on anyway — and produce billions of gallons of fuel.
According to a 2012 study by Michigan State University, doing this would amount to 5.5 billion gallons of fuel per year. But I think that amount could be more than doubled.
The U.S. has massive areas in the middle of the country that could easily be used as switchgrass farms. These areas are owned by private citizens, but under the Conservation Reserve Program, the federal government pays the owners not to produce any crops.
If just half that land reserve was used for switchgrass farming, production would quickly shoot up to 13.2 billion gallons of fuel — without displacing a single acre currently used for food crops.
That’s 10% of America’s fuel consumption handled by one plant.
And that’s just the possibilities with switchgrass. You wouldn’t believe the other stuff being turned into fuel: old telephone poles… trash… wheat… corn… rice… all are being used as fuel.
I know it probably sounds unbelievable that all these strange sources could dramatically reduce our foreign oil bill. But the truth is, it’s already happening.
Some of the world’s largest energy corporations — Royal Dutch Shell, BP, etc. — are heavily invested in various alternative projects around the world. Multi-million dollar plants and factories are sprouting up everywhere: Iowa, Brazil, Michigan, India…
And stories are starting to show up in mainstream outlets like Forbes, Bloomberg, and Businessweek, as well as in trade publications.  We’re getting closer every day.
One company I’ve been following for a number of years could be picked up for 30 cents a share in 2009. Today, it’s near $2.00 a share — a 566% increase.
And the good news is, I think this company is still a “buy.” Using my “10% solution” and buying it just 48 months ago would’ve turned $2,500 into $14,150. And I believe those same kinds of gains are possible for you today.
I’ll tell you more about this game-changing company and the exciting technology it’s using in my latest report, The Hottest Investment Opportunities for 2014.

Prediction #9: Bolivia Will Nationalize One of the World’s Richest Silver Mines — Silver Prices Will Soar

Silver isn’t like most metals, which are spread around the world. Silver mines are highly concentrated in six countries. Mexico, Peru, China, Australia, Chile and Bolivia accounted for 66% of mankind’s silver production last year.
If any of these countries suffers strife, floods, nationalization, or revolution… it wouldn’t take much to constrict the supply of new silver to market… and ignite a fire under its price.
Prime example: Bolivia, where the country’s socialist president Evo Morales has already threatened to expropriate silver mines.  Bolivia is home to the world’s largest pure silver mines, operated by Idaho-based Coeur d’Alene Mines (NYSE: CDE).
Nationalizing other people’s businesses is nothing new for Morales. He took over privately-owned gas fields and refineries in 2006. And he seized the Vinto tin smelter from the Swiss mining giant Glencore in 2007. If he makes a grab for Coeur d’Alene’s mines, silver will likely spike in response.
Of course, you have plenty of reasons to be bullish on silver, besides Morales. Every day the world consumes over 2 million ounces of the stuff, but we dig up only 1.75 million ounces. The difference comes from above-ground inventories… and they are running out fast.
According to research firm CPM, in 1900 there were 12 billion ounces of above-ground silver on the planet. By 1990, we were down to 2.2 billion ounces. Today, we’re down to about a billion ounces.
That’s a 92% drop. A vital material prized by man since the time of the Pharaohs is literally disappearing before our eyes.
According to New Scientist magazine, at our current rate of use, all known silver reserves will be mined out in 26 years. Scarier yet, if the rest of the world starts using silver at just half the rate we do in the U.S., it will be gone in seven years.
As that date approaches, we believe silver’s run up of the past few years will look like a blip on the chart.
In The Hottest Investment Opportunities for 2014 you’ll see a strong case for silver. Sound crazy? Keep in mind that 33 years ago silver spiked to over $100 in today’s dollars. And every supply/demand factor we can find is exponentially more bullish now than it was back then.
You can see below that silver is nowhere near its inflation-adjusted highs — especially after dipping in April…


The move we see coming gives average investors the chance to make a small fortune. You’ll find the best way to profit in your free report.
It’s with a company that gets its hands on un-hedged silver “streams” for low, fixed costs of around $4 per ounce — without having to shell out a penny in capital expenditures.
It’s quite possibly the perfect business model — allowing for a huge profit spread when silver trades for around $25 an ounce, as it does now. And it opens the door for eye-popping profits when silver rises. Even a small move in silver can lead to a big increase in profits for this company.

Prediction #10: The Next 12 Months Will Usher In “The Age of the Drone”

You’ve no doubt heard about drones being used in the military for air strikes, surveillance, etc.
But that’s not the half of it. More and more uses for these unmanned aerial vehicles keep popping up…

  • In 2011, a drone was used by a North Dakota sheriff’s department to capture six cow thieves, according to the LA Times.
  • A videographer named Daniel Garate uses a $5,000 drone to capture riveting photos of upscale properties in Los Angeles and sells them to realtors. Now he’s being asked to take pictures of celebrities.
  • The Georgia Department of Transportation just received a $75,000 grant to study the use of drones for inspecting bridges and roads.

This is a tiny sampling. I could make a list a mile long of innovative drone applications coming to market as we speak.  How far could this market go?
U.S. spending has increased 890% in the past decade, going from $550 million to nearly $5 billion. And in 10 years, the FAA predicts that the global drone market could be as much as $90 billion.
Indeed, the FAA projects that the government alone will have more than 10,000 licensed drones by 2017, up from less than 1,000 today.
To add to that, when Sen. Patrick Leahy was asked about the future of drones in March, he didn’t mince words…
“I am convinced that the domestic use of drones to conduct surveillance and collect other information will have a broad and significant impact on the everyday lives of millions of Americans,” — Sen. Patrick Leahy (D-NY)
No question about it: “The Age of the Drone” is coming.
Fortunately, right now you can get in on this growth trend at a huge discount. Because of the sequester cuts, drone stocks are beaten down. But their amazing long-term growth potential remains strong.
I’ve had my eye on one drone maker for a while now. It’s the number one producer of small drones for the U.S. military. It’s trading 50% off its all-time high, giving you an enviable entry point.
With the undeniable increase in drone usage over the next decade, I believe it could start gaining now and continue for the next several years.
Get a copy of my latest report, The Hottest Investments for 2014, and I’ll show you this company’s name and ticker symbol.

How to Get Your FREE Report

Before I get to the final prediction, I should say that I’ve put this new report together because it’s a perfect introduction to my Game-Changing Stocks advisory.
Game-Changing Stocks is unlike any other financial advisory letter you’ve ever seen.
What makes it so different?
Despite all the rocket scientists and supercomputers on Wall Street, my team and I think the best way to make money from investing is the same approach that worked best decades ago: find a breakthrough idea and watch your profits soar as the concept matures into a mainstream commercial success.
To bag those gains, you need a contrarian streak. If you buy the same investments as everyone else, you’re going to have the same performance as other people. This is why Game-Changing Stocks is defiantly contrarian.
And that’s why I focus on finding those companies introducing new concepts and technologies that turn markets on their heads.
Readers of my research are accustomed to seeing new investment ideas before they hit the mainstream media… and making money from them. While not every stock I cover soars… time and time again I alert readers to little-known companies before they see big moves.
Here’s a brief look at a few of the triple-digit winners my loyal Game-Changing Stocks readers have enjoyed during the last few years…

Company (Symbol) Date Recommended Total Return
AthenaHealth (ATHN) 07/30/10 203.6%
Ariad (ARIA) 12/03/10 340.0%
CalAmp (CAMP) 04/20/11 291.1%
Regeneron (REGN) 07/01/11 389.7%
AuthenTec (AUTH) 08/24/11 228%
Sunpower (SPWR) 5/1/12 214.6%
U.S. Silica (SLCA) 8/1/12 99.5%

Not all of my picks are winners, but when it comes to identifying companies with triple-digit gains, I’d put my track record up against any other analyst in the country.

Extraordinary Investing Ideas You Won’t Find Anywhere Else

The ordinary media doesn’t cover this beat. They’ll tell you all about a discovery once it comes out — but they don’t look ahead to see where the next one is coming from.
Me, I spend my waking hours looking for game-changing companies.
My whole career has been an exercise in navigating through a constant influx of information to find investment profits. First, I spent 10 years as a financial journalist, working for three of the nation’s largest newspapers.
At the business desk of the Star-Ledger, I shaped the financial news read by more than a million people each day. After watching business from the outside for 10 years, I got an inside look as a commercial lender with Wells Fargo’s Business Banking Group.
Now at StreetAuthority, I spend 60 hours a week poring over a multitude of newspapers and financial journals.  Most investors can’t spend their days camped in front of a Bloomberg terminal or poring over SEC filings. And they’re not going to have much luck getting a CEO on the phone.
My Smartphone is crammed with CEOs, brokers, bankers and other heavy hitters, and I talk to them every day. Once I’ve collected a mountain of data from all these sources, I distill it into a single investment trend and present it in Game-Changing Stocks.
Twice a month, Game-Changing Stocks readers get to see a new technology, concept or industry that could change the world.  So far my readers seem to like my approach…
“Excellent publication with some very compelling, relatively alternative, investment/trade ideas.” — Kevin S., Stockton, Calif.
“Have been following your recommendations on my watch list.” — Raymond W., Enumclaw, Wash.
“I love reading your picks… nice work.” — Vern L., Calgary, Alberta
And this is just a small sample of the success stories I’ve been hearing from my readers.
Over the years, thousands of small investors across the country have profited from my research. Just take a look at a few recent Game-Changing Stocks issues…

  • This All-But-Forgotten Industry Could Take Over the World
  • These Companies are Looking for Profits in your Dumpster
  • Six Extraordinary Small Companies That Could Provide Outsized Returns
  • This Industry Needs a Major Innovator, and I’ve Found Three

The hard-nosed research I’ve described here, as exemplified by the extraordinary opportunities I’ve just outlined, guides every recommendation I make.
These techniques have served my readers exceedingly well. In fact, I’d like to prove how well you can do with the help of Game-Changing Stocks — at my risk.
But before I get to that, let me reveal my final prediction…

Prediction #11: A Tiny Company Will Kill the Gasoline Engine

Millions of semi trucks crisscross America’s highways every year. They get about 5 miles per gallon, burning through billions of gallons of diesel every year.
Imagine if we could replace all of that diesel with something else… that would be a serious game-changer.
Now, hold on to your hats. Because the reality is, there’s a new fuel that’s starting to replace diesel. And not only in trucks. Cranes and bulldozers… tractors and combines on the farm… even boats and trains are starting to switch to this new fuel.
This fuel is abundant, clean, and can be domestically sourced. In fact, there’s an entire ocean of it in this country waiting to get tapped.
Even more, it’s supported by key environmental, governmental, and industry players. That’s why I think this fuel — natural gas — is the inevitable future.
And not the distant future. I predict the next 12 months will be a major turning point in the widespread use of natural gas vehicles. As we speak, the major roadblocks are being cleared.
The biggest roadblock — which is the fact that most gas stations only offer traditional gasoline — is being solved by a company called Clean Energy Fuels (CEF).
Led by billionaire T. Boone Pickens, CEF built 70 new natural gas filling stations in 2012. And now it’s teaming up with natural gas producer Encana to establish what it calls a “Green Corridor” — a whole chain of filling stations — in North America.
The Chinese are getting in on the action, too. One of China’s largest private companies just partnered with a Salt Lake City firm called CH4. They plan to build a new filling station every week across America.
And as I said, there’s plenty of natural gas to cover demand. Some experts predict that the amount found in existing reserves alone could last for another 90 years.
That means natural gas is extremely affordable for everyone to use. Today, it’s half the cost of diesel.
In other words, any company looking to roll out a new fleet of vehicles could cut their costs by 50% just by using natural gas vehicles.
Perhaps most importantly, major governments appear to be on board the natural gas train. President Obama has expressed support, and the European Union just drafted legislation that would require the building of fueling stations all across the continent.
What’s more, the developing world is ahead of the game. Argentina, Pakistan, Brazil, Argentina, and India all have over 1 million natural gas vehicles already.
This is all going on now. And with how much natural gas is being discovered every day thanks to new drilling techniques like “fracking,” I think the natural gas movement will only get bigger.
Sure, you could invest in a big oil and gas company like Exxon Mobil, Chevron, or Chesapeake Energy. But they’re well-known… and natural gas is only part of their business.
Usually the biggest gains come with a pure play — a company that is “all in” on the boom.
I believe I’ve found just the one. It’s a company that makes natural gas engines. These engines are cheaper than diesel engines and have 80% of the parts in common.
To date, the company’s already made deals with 8 of the top 10 carmakers in the world. Peugeot, Ford, Fiat, Volvo, and many more are all partners. If you’ve seen a Metro Liner in Los Angeles, a UPS truck in Las Vegas, or a garbage truck in Ontario, the natural gas engine inside was probably made by this company.
As we speak, there still aren’t that many natural gas cars on the road. So imagine what this company’s share price could do when people learn they can fill their tank with a much cheaper fuel. Or when truckers start using a fuel that lets them sidestep harsh emissions rules. Triple-digit gains or more are a real possibility. After all, it’s a tiny player in  a new market opportunity. It’s less than 1% the size of established players like Exxon Mobil, so even mild natural gas boom could make a huge difference to its share price.
For more details on this company and this fast-moving trend, pick up a copy of my special report, The Hottest Investment Opportunities for 2014. You’ll get everything you need to know, including this company’s name and ticker symbol.

Get Your Copy of The Hottest Investment Opportunities for 2014 — Absolutely Free

As I mentioned earlier, The Hottest Investment Opportunities for 2014 is  the culmination of over 4,000 hours of diligent research. Wall Street firms  would charge up to $15,000 for a research report like this — and it would be so  full of legal disclaimers that you’d be too scared to invest after reading it.
I don’t work for Wall Street. My work is inspired by my desire to help  individual investors like you. And, I’m proud of the research and hard work that  went into this report. The report retails for $149. But I want you to have it,  with my compliments. In fact, I will give it to you, absolutely free, as your  introductory gift, when you subscribe to my twice-monthly advisory, Game-Changing Stocks.

The Survival Tips For Small Businesses

You may be in Mail Order, Direct Mail, or you may be a local merchant with 150 employees; whichever, however or whatever—you’ve got to know how to keep your business alive during economic recessions. Anytime the cash flow in a business, large or small, starts to tighten up, the money management of that business has to be run as a “tight ship.”

Some of the things you can and should do include protecting yourself from expenditures made on sudden impulse. We’ve all bought merchandise or services we really didn’t need simply because we were in the mood, or perhaps in response to the flamboyancy of the advertising or the persuasiveness of the salesperson. Then we sort of “wake up” a couple of days later and find that we’ve committed hundreds of dollars of business funds for an item or service that’s not essential to the success of our own business, when really pressing items had been waiting for those dollars.

If you are incorporated, you can eliminate these “impulse purchases” by including in your by-laws a clause that states: “All purchasing decisions over (a certain amount) are contingent upon approval by the board of directors.” This will force you to consider any “impulse purchases” of considerable cost, and may even be a reminder in the case of smaller purchases.

If your business is a partnership, you can state, when faced with a buying decision, that all purchases are contingent upon the approval of a third party. In reality, the third party can be your partner, one of your department heads, or even one of your suppliers.

If your business is a sole proprietorship, you don’t have much to worry about really, because as an individual you have three days to think about your purchase, and then to nullify that purchase if you think you don’t really need it or can’t afford it.

While you may think you cannot afford it, be sure that you don’t “short-change” yourself on professional services. This would apply especially during a time of emergency. Anytime you commit yourself and move ahead without completely investigating all the angles, and preparing yourself for all the contingencies that may arise, you’re skating on thin ice. Regardless of the costs involved, it always pays off in the long run to seek out the advice of experienced professionals before embarking on a plan that could ruin you.

As an example, an experienced business consultant can fill you in on the 1244 stock advantages. Getting eligibility for the 1244 stock category is a very simple process, but one with tremendous benefits to your business.

The 1244 stock encourages investors to put equity capital into your business because in the event of a loss, amounts up to the entire sum of the investment can be written off in the current year. Without the “1244” classification, any losses would have to be spread over several years, and this, of course, would greatly lessen the attractiveness of your company’s stock. Any business owner who has not filed the 1244 corporation has in effect cut himself off from 90 percent of his prospective investors.

Particularly when sales are down, you must be “hard-nosed” with people trying to sell you luxuries for your business. When business is booming, you undoubtedly will allow sales people to show you new models of equipment or a new line of supplies; but when your business is down, skip the entertaining frills and concentrate on the basics. Great care must be taken however, to maintain courtesy and allow these sellers to consider you a friend and call back at another time.

Your company’s books should reflect your way of thinking, and whoever maintains them should generate information according to your policies. Thus, you should hire an outside accountant or accounting firm to figure your return on your investment, as well as the turnover on your accounts receivable and inventory. Such an audit or survey should focus in depth on any or every item within the financial statement that merits special attention. in this way, you’ll probably uncover any potential financial problems before they become readily apparent, and certainly before they could get out of hand.

Many small companies set up advisory boards of outside professional people. These are sometimes known as power Circles, and once in place, the business always benefits, especially in times of short operating capital. Such an advisory board or power circle should include an attorney, a certified public accountant, civic club leaders, owners or managers of businesses similar to yours, and retired executives. Setting up such an advisory board of directors is really quite easy, because most people you ask will be honored to serve.

Once your board is set up, you should meet once a month and present material for review. Each meeting should be a discussion of your business problems and an input from your advisors relative to possible solutions. These members of your board of advisors should offer you advice as well as alternatives, and provide you with objectivity. No formal decisions need to be made either at your board meeting, or as a result of them, but you should be able to gain a great deal from the suggestions you hear.

You will find that most of your customers have the money to pay at least some of what they owe you immediately. To keep them current, and the number of accounts receivable in your files to a minimum, you should call them on the phone and ask for some kind of explanation why they’re falling behind. if you develop such a habit as part of your operating procedure, you’ll find your invoices will magically be drawn to the front of their piles of bills to pay. While maintaining a courteous attitude, don’t hesitant, or too much of a “nice guy” when it comes to collecting money.

Something else that’s a very good business practice, but which few business owners do is to methodically build a credit rating with their local banks. Particularly when you have a good cash flow, you should borrow $100 to $1,000 from your banks every 90 days or so. Simply borrow the money, and place it in an interest bearing account, and then pay it all back at least a month or so before it’s due. By doing this, you will increase the borrowing power of your signature, and strengthen your ability to obtain needed financing on short notice. This is a kind of business leverage that will be of great value to you if or whenever your cash position becomes less favorable.

By all means, join your industry’s local and national trade associations. Most of these organizations have a wealth of information available on everything from details on your competitors to average industry sales figures, new products, services, and trends.

If you are given a membership certificate or wall plaque, you should display these conspicuously on your office wall. Customers like to see such “seals of approval” and feel additional confidence in your business when they see them.

Still another thing often overlooked: If at all possible, you should have your spouse work in the business with you for at least three or four weeks per year. The important thing is that if for any reason you are not available to run the business, your spouse will be familiar with certain people and situations about your business. These people should include your attorney, accountant, any consultants or advisors, creditors and your major suppliers. The long-term advantages of having your spouse work four weeks per year in your business with you will greatly outweigh the short-term inconvenience. Many couples share responsibility and time entirely, which is in most cases even more desirable.

Whenever you can, and as often as you need it, take advantage of whatever free business counseling is available. The Small Business Administration published many excellent booklets, checklist and brochures on quite a large variety of businesses. these publications are available through the U.S.Government printing office. Most local universities, and many private organizations hold seminars at minimal cost, and often without charge. You should also take advantage of the services offered by your bank and local library.

The important thing about running a small business is to know the direction in which you’re heading; to know on a day-to-day basis your progress in that very direction; to be aware of what your competitors are doing and to practice good money management at all times. All this will prepare you to recognize potential problems before they arise.

In order to survive with a small business, regardless of the economic climate, it is essential to surround yourself with smart people, and practice sound business management at all times.






Tips, Tricks, and Tools for Promoting Your Business


How to Find Success as an Internet Marketing Newbie

Considering online marketing on paper, you have to admit that it doesn’t appear too difficult. The real state of affairs is lady luck usually shine for a small percentage of people. The thing that will make or break your enterprise is how you think and feel about it as well as your self. So just remember how the onus is totally you, and you can use it or never use the information in the following paragraphs. It discusses three effective tips to help you break out of the typical newbie mindset and achieve success.

Being a true online entrepreneur, you can do without your own site, and you’ll find web entrepreneurs that earn a normal income just through free blogs or driving traffic for their affiliate products and programs. Yet, if you desire to develop a real business presence, then you’ve to scrap the money together for buying your individual way.

Another thing that can induce problems is the fact that you may not own your site if you utilize free sites hosted by others. Also, you need to ensure that you are receiving the most likely website names, too. Some domains be more effective designed for branding purposes while some are better for seo so know your work. It is just a mistake to merely jump from something to another. You must stay focused on a single tactic or method and stick to it before you see results. You won’t get much from it and things will only are more unstable. If you’re only starting out in IM, you are likely to have lots to pick from while you decide which courses you should obtain. You have to remember, though, that the most important thing you could do is act. In order to keep being unstable, you’re going to get a very hard time getting anywhere. Just pick one method whilst going gain knowledge from the mistakes you are making.

If you know nothing about e-mail marketing, then learn in order to develop your list and target them.

Neglecting to make the most of everything traffic you will drive is failing to utilize it. The best time to begin is immediately, then just focus on your marketing plus a list will gradually grow. All what you are doing is building your organization, so there isn’t any reason not to do it. Rendering it big over the web marketing industry needn’t be hard. It does, though, take real effort to get going. Once you start hitting milestones, there’s no in hindsight. A great deal of IMers start small but become incredibly successful later on. If you need to work on the same lines, then you’ve success waiting for you. You should be confident and place these pointers to operate. And you’ll start to see the results for yourself.

I hope you learned something because of this article. Also, I want to recommend one to a youtube video about Network Marketing Prospecting or click here to boost your prospecting skills. Thank you.

The Complex World Of Personal Bankruptcy

Personal bankruptcy in Orange County, California is a huge step for a lot of people, and it’s a legitimate tool that helps people get out from under a mountain of debt. Many borrowers effectively develop their credit after filing bankruptcy, and continue on with success in their financial lives. Read onward in this article to discover more about personal bankruptcy, and what it means to you financially.

A critical tip in filing a personal Orange County bankruptcy is to steer clear of making payments to creditors, in advance of filing a petition, in an attempt to satisfy individual debts in full outside of bankruptcy court. Payments to members of the family and creditors produced within defined periods of time prior to a bankruptcy filing can be voided and may jeopardize the chances of receiving a discharge of all debts in the case.

Bankruptcy in Orange County California

Never charge up your credit cards knowing you’re going to file bankruptcy, for those who have currently started the process or created recent purchases for luxury things. Even though this sort of acquiring continues to be component of the “˜debt,’ it truly is probably that you are going to still be accountable for repaying the cash for those things. In most cases, what you might be attempting to complete is apparent.

Once you file for bankruptcy making use of an Orange County bankruptcy attorney, keep in mind to contain all credit and debit accounts. You need to even contain these credit cards that usually do not have a balance. Many people leave these out because they want to maintain these accounts open. Additionally, you should incorporate all the information about any auto loans that you simply may have.

Chapter 7 Bankruptcy

You may have heard bankruptcy referred to differently, either as Chapter 7 or Chapter 13. Discover the variations between the two before filing. Chapter 7 bankruptcy is intended to wipe out all outstanding debts. You are going to no longer be liable for any funds that you owe to your creditors. However, filing for bankruptcy beneath Chapter 13 indicates you’ll have 60 months to spend your debts back. You must know about the different bankruptcy sorts, and how every single can affect you.

Chapter 13 Bankruptcy

Choose whether or not you need to file for Chapter 7, or Chapter 13 bankruptcy. You could want to seek advice from among the Orange County bankruptcy attorneys in order to far better strategize no matter whether or not Chapter 7 or Chapter 13 bankruptcy is better for you personally. As a person, you might do either one. Locate out as significantly as you’ll be able to about each and every kind of bankruptcy, so you might be capable to make a choice that you can reside with within the future.

Contemplate filing Chapter 13 instead of Chapter 7, if you are facing foreclosure. A Chapter 13 bankruptcy makes it possible for you to make a restructured payment plan which contains your mortgage arrears. This can let you get your mortgage payments current, to ensure that you won’t drop your house. Chapter 13 doesn’t call for you to turn more than home, so you don’t must worry in regards to the homestead exemption, either.

Filing personal bankruptcy can offer you having a safe haven from creditors and bill collectors. Navigating your way via bankruptcy to a debt-free life will help get you around the road to a more optimistic monetary future. Individual bankruptcy just isn’t for everyone, however it is worth investigating to determine if it tends to make sense for you.