Is Your Website a Hammer?

Could you imagine building an entire house with just one tool like a hammer? Yes, Im serious, no other tools, just a hammer. How long would it take you to build a house with just a hammer? What would this house look like?

Now imagine your website is a hammer. Would you build your entire business using just this one tool? Many people put up a website and expect the world to come clamoring to their door to buy products or services. Major disappointment sets in when results are not immediate. A website is an extension of your business and takes time to evolve and get discovered by your ideal clients. Your website is one of many tools in your marketing tool box. Here are a few affordable, do-it-now marketing tools to get you excited about promoting your website.

AUTO ID PLATES
How often are you stuck in traffic and end up staring at the license plate in front of you? This is the perfect place to discreetly display your web site address. If you have a short slogan or tagline, it can be placed on top with your web site address on the bottom. This is a more random marketing approach and similar to the magnetic car signs. Have you ever searched for a pen and paper while trying to memorize the magnetic sign on the truck for handyman services, plumbing or hardwood flooring? The person in the vehicle behind you could be your next customer.

CD BUSINESS CARDS
Some of the best and most unique marketing tools for business are CD Business Cards. These are the size of a credit card and look like a miniature CD. The first thing I thought was, Do I put this in my CD/ROM drive and does it work? Sure enough! It fits neatly into the inside circle of a CD/ROM drive. It can hold about 50 Megs of multimedia information about your company or products and plays in less than three minutes. If the customer is online when viewing the CD, they can click on links and be taken to your web site. Its unlikely that anyone would toss this business card into the trash. They come in all shapes and sizes for less than $1.00 each.

LABELS
Use labels with your web site address and catchy slogan to seal your correspondence. This is one more way to flash your web site address in front of a potential customer. I recently purchased some artwork at a craft fair. Luckily the artist had placed a label on the back of the picture so I could go to the website and order more artwork for friends. Without that label she would have missed out on some sales after the craft fair was over. Create your own labels for wine bottles to give as gifts. Lots of fun ideas at online websites to spark your creativity.

WEB POSTCARDS
Did you know that a large percentage of new business comes from referrals? How often do you stay in touch with your clients? At a minimum, quarterly correspondence will keep you fresh in their minds. Several online companies offer full color postcards, business cards, bookmarks and note cards of your business web site. They take a picture of your Home page and you can insert your text message. A proof is emailed to you to edit or accept. Web PostCards are great for direct mail campaigns or to hand out at trade shows. Got a new web site? Tell everyone about it with Web PostCards. Bigger than a business card, your prospect is more likely to place the card by the computer and look up your web site. Web PostCards are rarely discarded and frequently passed on to other potential clients. Free samples are mailed to you by request by most companies.

Have fun with these and will you please send me an email about your other creative marketing ideas? Remember, if youre not promoting your site who is?

Anita Larson, The Web Muse & Co., Creating websites and marketing strategies to attract your ideal clients. Sign up for the free Museletter for do-it-now marketing tips and web wisdom at http://www.thewebmuse.com/museletters.html

The Web Muse & Co Website: http://www.thewebmuse.com Phone: 303.791.9539 Email: anita@thewebmuse.com

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Trust, We Live By It

We live in a world that is full of trust. As we hear more about all things that we should do to protect our identity and checking accounts, I began to think about the many times each day that we trust someone else.

It is true that we should be careful with paper and items that relate to the security of our money. But did you realize, that every time you deal with another person you are trusting them with some part of your identity.

Whenever you make a purchase with a credit or debit card, you are trusting the person that you hand your card to that they will not steal the information. We hear reports where waiters sell the information from credit cards or swipe the encoded information into a private computer. I guess that the only way to protect against this would be to not use the cards. If a check is given, it could be even worse, the person could change the payee and amount and wipe you out. The alternative is to carry enough cash to pay for everything with cash. But then you become a target for robbery as soon as someone notices how thick your wallet is. It is hard to remove money from a wallet without someone being able to see what you have.

I guess that I, like most people, prefer not to live in fear and trust other people. When I hand my card to the waiter, I am saying that I trust them. When I write a check out to someone, I am saying that I trust them. When I fill out an application that request my social security number, I am trusting them. When I give my car keys to a parking attendant, I am trusting them with my car and all that is in it.

I heard the other day that when you stay in a motel and they give you the plastic key card that it is encoded with all of your credit card information and the information that you gave the motel. I don't know if that is true or not. But when I return the key, I am trusting that the information will not fall into the wrong hands. When you think about it, they have all the information anyway, so we still have to trust them.

We place more trust in people that we do not know than in people we know. As a matter of fact we trust everyone who has access to the Internet with a lot of personal information. Just try a search using your name and you may be surprised. And just for a few dollars anyone can get a background check on you or run a credit check giving them all the information about whom you do business with.

When we drive the highways, we are trusting the other driver to stay on their side of the road. When we take public transportation, we are trusting the bus driver or the pilot to take good care of us. We trust the repair person not to rip us off and the retailer not to over charge us. You cannot leave your house without trusting thousands of people each day.

Doesn't it make you feel good to know that so many people are trusting you to?

About the Author: Hubert Crowell, Cave Explorer

I have started writing as a hobby and plan to write about my life, work, hobbies, religion and many other things of interest to me and maybe others will enjoy also.

For more information on caving, improving your service department and many other subjects, Please visit my web site at:

http://hubertcrowell.name/

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What Is A Creative Commons License and Can I Use It?

The creative commons license was developed by Creative Commons, a non-profit organization that was implemented for the purpose of gathering creative work that others can build on and share.

A creative commons license allows those who hold copyrights to grant some of those rights to the public, while retaining other rights.

This was originally done because current copyright laws prohibit changing copyrighted information. This enables you to use work that has a creative commons license, but if you plan to sell a product, a creative commons license isnt really what you want to use.

Furthermore, it is not ethical to use work that has a creative commons license and turn it into a copyrighted product. This is not only unethical, but it can and will damage your reputation and possibly your credibility.

Creative commons licenses are typically used in the academic and creative community, much like Copyleft material where one person starts with an idea and allows others to add to it to make it better for the greater good, without cost. When it comes to developing products, using work that is in the public domain, as opposed to work that has a Copyleft license or a creative commons license is advised. This is typically more acceptable, and you can do what you want with the work you create from the public domain material, including making a profit. It is best to use a directory to find such public domain works. You can find a great resource through http://www.publicdomainmastermind.biz.

Pay attention to how work is licensed. A copyright symbol has a C enclosed in a circle. A Copyleft symbol is a backwards C enclosed in a circle, and a creative commons license is indicated by CC. Public domain work will usually have the copyright symbol, but the copyright term will have expired.

You should not assume that the copyright has expired, however. Instead, you should do your homework and certify that the copyright has expired before using the materials.

Justin K. Grayman
Public Domain Wealth
http://www.publicdomainmastermind.biz

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House Flipping Laws: Are Real Estate Investors Guilty?

HUD believes that house flippers inflated prices and added laws to protect consumers.

Flipping a house, or reselling a property quickly after purchasing, isn't illegal. Because so many house flippers committed mortgage fraud or used predatory lending practices, HUD, the U.S. Department of Housing and Urban Development, is trying to protect home buyers. HUD also seeks to halt appraisals at inflated prices. The agency believes that house flippers artificially inflated prices.

Effective July 9, 2006, HUD changed their lending regulations for new FHA financing. To keep wholesalers from making a quick profit, only the actual owner of a home can sell a home with FHA, Federal Housing Administration, financing. To discourage house flipping, homes sold within 90 days of purchase won't be eligible for FHA financing, either. Additionally, houses selling for twice as much as the purchase price in the time period between 91 and 180 days after the last sale require additional valuation data in order to qualify for FHA financing.

The exemptions to this policy include HUD, Fannie Mae, Freddie Mac, lenders selling real estate owned (foreclosures), local or state housing agencies, nonprofits with HUD permission to purchase discounted real estate owned properties, inherited properties, and dwellings located in presidentially declared disaster areas.

What does this mean for real estate investors who flip houses?

• You either keep the house for 90 days or sell to a buyer who uses conventional financing.
• You spend a few weeks fixing the house and sell so it closes after the 90 day period.
• You keep records of your improvements and prove that the new price reflects your work.
• You keep your mortgage lender honest.
• You keep your appraiser honest.
• You make a fair profit for helping a desperate seller move on, fixing a distressed house, and creating a new buyer's "dream home."

Perhaps house flippers did inflate house prices over the past few years. However, the housing shortage, favorable interest rates, easy lending practices, and rising prices fueled the economy.

Since less than 7 percent of houses sold were owned by investors, and most of these were owned for time much longer than 90 days, it seems that the mortgage lenders may be more at fault than the house flipper for the possible inflated prices in some areas.

Copyright 2006 Jeanette J. Fisher

Free "The Truth about Making Money Flipping Houses" ebook Flipping Houses

Jeanette Fisher is the author of best-selling real estate books on Amazon including Doghouse to Dollhouse for Dollars: Fixing and Flipping Houses with the Design Psychology Edge. Learn how to fix and flip houses with an interior design advantage: http://www.doghousetodollhousefordollars.com

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Recreational Vehicle: Should You Rent or Own?

Buying a recreational vehicle can be a great investment if you want to spend more time with your family and other loved ones and you dont want the hassle of making hotel or airline reservations. With a recreational vehicle you can set your own schedule, cook the food you like, and rarely have to worry about a no vacancy sign. But, you may not be in the position to buy a recreational vehicle right now for financial or other reasons. If this is the case, renting an RV may be something that you want to consider for your next vacation.

In fact, many people choose to rent a recreational vehicle to try out the lifestyle before they buy an RV. Many dealerships offer this as a service and you can try one of the many different towable or motorized models. When you rent, you can see if you like towing or driving the RV and if it is comfortable for you and your fellow travelers to live in. You will have no long term commitments if you are renting and you wont have to figure out where to store the recreational vehicle or insure it.

Once you have rented a recreational vehicle, and you like it, you may decide that you want to buy one. Price ranges on a new RV can range anywhere from about $10,000 for a new pop up tent trailer to well over $400,000 for a diesel motor coach with all of the premium features and options. So, there is really an RV for every budget. You will need to think about how many people will be using the RV and how long the vacations will be. If you will only be using it once a year or so, you may want to think about just renting as it may be cheaper than insuring and storing and making monthly payments on a new RV. Or you can always buy a quality used RV. This saves money and gets you the lifestyle you are looking for.

Eriani Doyel writes articles about Motor Homes. For more information about owning or renting a recreational vehicle visit dscrvs.com.

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The Most Expensive Cars to Insure

Just because a car is cheap doesnt mean the insurance will be. High-cost cars arent always the most expensive to insure either. If you are concerned about high insurance rates, you probably shouldnt go out a buy a new $33,000 Honda S2000 convertible. And that little inexpensive Volkswagen GTI, listed at $22,000, will cost you as much in insurance as its bigger cousin, the Passat, which costs twice as much.

Looking for cheaper insurance rates? The 2004 Chevrolet Aveo and the 2004 Chevrolet Colorado are among the cheapest 2004 models to insure.

The main factor in the cost of insurance for certain vehicles is not in the price, but its claims history. For example, certain cars are proven to be stolen more often. Some have high repair costs or are in more accidents than other cars. There are many factors, not just the cost of the car, that affect the premiums.

Insurance premiums are based on several factors, including:

The sticker price: a car that costs more to buy, costs more to replace.

Repair costs: Repair costs are skyrocketing at nearly double the overall rate of inflation. There are so many technological advance included in cars that they are more expensive to repair.

Theft and fraud patterns: Cars that are frequently stolen are more expensive to insure. Thieves have their favorites based on market demands and interchangeability of parts. The Honda Accord and the Toyota Camry are the most frequently stolen cars. If you live in an area where there are high auto theft rates, you could pay more in premiums. Insurance fraud is also on the rise and will result in higher insurance costs, especially if you live in New York, Massachusetts or Florida.

Model year, weight and vehicle type: The more power you have the higher premiums you will pay. Sports cars, high-performance vehicles and luxury cars have the highest losses for vehicle damage and small, light vehicles have the highest death rates. Passenger vans and station wagons have the lowest losses for vehicle damage. SUVs and trucks will generally sustain less damage in a collision, but will cause more damage and higher liability claims.

Driver demographics: Your age, where you live, your gender, driving record and credit history will affect your premiums. If you have a bad driving record, you will pay a lot in insurance premiums. If you have a good clean driving record, youll pay less for insurance.

Technological progress: New gadgets and doodads in cars will make your premiums higher. This is because the cost of repairs is more expensive.

Martin Lukac, represents EnginePromoter.com, http://www.EnginePromoter.com is a search engine marketing web-site for search engine optimization and website submission. Promote your website and get top rotating positions on over 250+ search engines and over 600,000 online resources including a niche website submission. EnginePromoter.com also operates an online shopping portal #1 Shopping Online http://www.1ShoppingOnline.com and real estate portal http://www.RateEmpire.com

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Solar Panel Systems Guide to Solar Energy Panels - Solar Hot Water Panels

We have done extensive research on the Solar Energy and Solar Panel Systems in the UK. Some solar panel firms provide installation solutions for solar hot water and solar PV panels (electricity) for the domestic homes. However there are very few professional companies at the moment so choose. Check to see if they are members of an trade accreditation body.

Solar panel systems for hot water and electric have now come of age in the UK. With the Climate producing hotter summers and winters in UK has made society wake up about global warming. The time has come where the UK as nation has got to move forward to reducing carbon emissions. Incentives are available from the Government Grants to help consumers switch over now. Recently the UK committed at G8 summit to reduce carbon emissions by 50% before the year 2050. The country will be faced with hefty fines if it does not commit to reducing carbon emissions. There is a fair chance we face higher taxes on our properties if we don't do our bit.

So Solar Panels as a natural source of energy and costing 70% less than buying fuel from an energy company is an alternative supply for our every day needs. Once you've invested then your heating hot water tank becomes FREE during the day.

Installing Solar Hot Water panels in your property can reduce your Carbon Emissions by 500kg's per annum. If every householder in the UK did this we would reduce the carbon emissions by 8,000,000 tonnes per year.

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Home Equity? Use It or You May Lose It!

This article is for all the home-owners out there in America that are sitting on their home equity thinking it is good investment. In actuality this equity is earning absolutely no rate of return. In fact this type of financial management is as primitive as digging holes in your back yard to store your cash. If you want to get a head and build real wealth that is safe, liquid and has a decent rate of return you need to take that equity out of the home. I have been in the financial management business for over 16 years and specialize in debt consolidation with Mortgage Wealth Creation. All to often I meet with home-owners that have paid down the balance of their mortgage at interest rates between 4-8% tax deductible interest* only to have large credit card debts that they are paying 16-21% non-taxable interest. Or the home-owner(s) have paid down their mortgage, but have absolutely no savings, no emergency nest-egg and are basically at the mercy of their next paycheck. Lets take a look at these two situations in more detail.

Make mortgage interest your ally not your enemy
Because of its deductibility factor mortgage interest is preferred interest, whereas credit card interest in non-preferred. For example lets say you are a married couple filing a joint tax return with a combine annual income of 75,000. You and your spouse have built up credit debt of 15,000 and pay an average interest rate of 16% non-preferred interest per year. This means you will pay $160 dollars of interest per $1000 of credit debt. In this example the formula is $160 X 15 = $2,400 in interest per year, $200.00 per month. Now if we are able to consolidate this credit card debt into our mortgage at 6% the annual interest is reduced to $900 dollars per year ($60 X15) or $75 per month. Just this step alone is a savings of $125 per month, $1500 per year. Now lets take this a step further and say we were able to deduct this interest of $900 from our income at a 33% tax bracket. Our annual income is $75,000 minus the $900 in preferred deductible interest. Our new taxable income is $74,100. This equates to an additional savings of $300 less in tax payments ($900/3). So to sum things up the annual savings from moving this debt from non-preferred interest to preferred interest is $1800 per year. If you were then able to compound this savings over a 10 to 20 year period we are talking about tens and possibly hundreds of thousands of dollars in savings.

But paying down my mortgage is safe, right? WRONG
Now lets look at the other argument that says your home equity is a safe investment. Many home-owners think that paying down their mortgage is a forced savings plan, and when they are ready to retire they will have a nice nest egg when the home is sold. The principles of a sound and safe investment are three fold; safety, liquidity and rate of return. Lets take a closer look to see if Home Equity meets any of these investment principles.

Is your home equity safe? Well lets say your home is in a neighborhood that was devastated by a tornado, flood, earthquake, fire, hurricane, termites, black mold, or a failing economy. Would you rather have your home mortgaged to the hilt and your equity in a safe and insured side fund, or would you rather of had your home free and clear with no side funds. Dont make the mistake of putting all your hard earned money under your roof.

Is your home equity liquid? Most home-owners dont take out their equity unless the unexpected happens such as in the loss of employment, disability or some other financial crisis. Have you ever tried to get a mortgage when you were unemployed, between jobs, or unable to work? Most banks only loan money to us when we dont really need it. Its better to take the cash out of your home in the good times, and keep your equity in an interest bearing investment for when you need it. The banks are not going to let your payments slide for few months whether you have equity or not. By keeping your equity in a side fund you are in control of this money not the lender.

Is your equity earning a rate of return? Absolutely not. Dont get home equity mixed up with home appreciation. For example, Neighbor A and Neighbor B each own a home valued at $200,000. Neighbor A has a mortgage of $100,000 and Neighbor B has a mortgage $150,000. If both homes appreciate at an annual rate of 5% they are now worth $210,000. Even though Neighbor A and Neighbor B had different amounts of equity, their asset value is the same. Equity has no affect on a homes appreciation.

Homeowners need to manage their equity to build wealth. For many Americans' the home is their greatest asset and their greatest liability. This is why it is so important to receive professional mortgage planning advice. Thousands of dollars are lost every year because homeowners get the wrong mortgage advice or do not restructure their mortgage on a regular basis.

Mike Snider is a Mortgage Planning Professional and Branch Partner with a national mortgage bank. His company specializes in Debt Consolidation and Home Equity Wealth Creation. To get a free mortgage analysis and to learn more about Mike visit his website http://www.PayItAllOff.com

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How Managing A FORUM On Your Site Can INCREASE Your Sales

Do you remember the promise that got you interested in online marketing?

Was it the "your website will generate sales 24 hours a day"? Was it the "wake up to 'Notification of payment received' every day"? Was it the "tons of profits - very little investment"?

Whatever promise it was (for me, it was the "sells 24 hours a day"), the promise was based on the POWER of the Internet to promote your business and make sales simple for your customer. It was based on the power of the Internet to put your business in front of your customers, at any time of day, anywhere in the world.

Your website is your business. Some businesses set their website up to be simply a long - yet educational - sales letter, focused on your main product. Other businesses' websites are focused on educating and empowering the customer, because a customer who knows about your market will know why your product or service is the best.

A key to converting visitors to your website into customers (paying customers) of your business is making sure they stay on your website. Interesting text. Unusual or exciting video. Changing content. Articles that keep the customer informed. All of these things will keep your customers coming back to the website, and have them stay on your website for longer periods of time.

Having your customers interact with the website is one of the best ways to keep them coming back and hanging around. It could be a game. It could be a chat feature. But the chat feature is only workable as long as someone is on YOUR end to chat with. And it's pretty risk to allow an unmonitored chat room these days.

Setting up a forum on your website can accomplish these goals. Many hosting companies offer forums to websites. You can also obtain commercial software to attach to your website. You can limit the forum to members only, or open it up to any visitor (or "guest"). By opening it up, you increase the attractiveness to the casual visitor, but you also lose the ability to find who posted an inappropriate post.

Managing the forum is not very much work, but that little bit of work will return GREAT dividends! You can set up the forum so that you review and approve any postings. You can also allow any posting at all, but then remove any posts you consider off-topic, inappropriate or spam. By regularly monitoring your forums, and especially removing spam messages, your customers will appreciate that YOU value their time in the forum, and their postings in the forum, and that you are making sure that their postings are seen, and not lost in the clutter.

Managing a forum on your website shows your customers that you are offering them services to help them, and not just continually selling to them. By managing the forum and keeping it clean of spam, keeping posts on topic and relevant, and maybe highlighting particularly valuable posts, you show your customers that your business supports their improvement, even when your business doesn't profit directly. Customers respond positively to businesses that support them. Using a forum to build a community out of your list can only increase your positive reputation among your customers.

ERIK CARTER is the author of "Aggressive Pleadings For The Non-Custodial Father," "Don't Just Build A List - Build A COMMUNITY," and "Six Temptations Of Jesus Christ", all offered EXCLUSIVELY on START YOUR LIFE NOW! (http://www.startyourlifenow.com), a website focused on helping you achive EXCELLENCE in ALL areas of your life by helping you to achieve excellence in Business - Family - Fitness - Spirituality - Personal.

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