Pay-Per-Click - PPC

PPC marketing is a love it or hate platform. For the “love it” crowd, PPC marketing is a way to get instant exposure and feedback on site designs. In a matter of minutes, you can start receiving traffic and adjusting your site to convert the traffic at the best rate possible. For those in the “hate it” crowd, bids are to high and one never knows how may of the clicks are fake and worthless.

Search Engine Optimization – SEO

As with PPC, seo marketing has its proponents and detractors. Those who love it look at the free traffic and glorious profitability of a site that converts the traffic at a decent rate. Detractors view seo as an unnecessary waste of time since it can take a year or more to get high rankings, particularly on Google. Detractors also argue that high listings are subject to changes in the search engine ranking process, which means you can lose your rankings.

So, who is right? In truth, both sides make accurate arguments. PPC is expensive and click fraud is a monstrous problem. Seo produces free traffic, but it takes along time to get to the top and rankings are subject to the whims of search engine ranking changes. The truth, of course, is both marketing platforms should be used whenever possible.

Marketing Marriage

Every site is unique, but most should combine PPC and seo marketing as part of an overall internet marketing strategy. When starting out, the PPC campaign is critical for getting immediate traffic and tweaking the site to maximize conversions. At the same time, a seo campaign should be undertaken. As the site rises in search results, the PPC campaign should be fazed out for the relevant high listings.

PPC and seo marketing are not mutually exclusive. When married together as part of an overall marketing strategy, both platforms will deliver the goods.

Contrary to the belief that bankers actually look for reasons to turn down prospective clients in need of a loan, they are in the business to lend money. This means that every time a banker is sitting in front of a potential client, they are hoping to make the deal work just as much, if not more than the client wants it to work.

A bank’s primary role in the small business lending area is funding growth. An example of this would be to finance the expansion of small business with a proven track record. Most banks can offer a wide variety of loan packages designed to finance expansion of an already existing small business.

Below are a few examples bank loan packages :

1. Asset Based Financing. Asset Based Financing is a general term describing a transaction whereby a lender accepts collateral and assets of a company in exchange for a loan. Most asset based loans are collateral against other accounts receivable, inventory, or equipment. Accounts receivable is the most favored of the three because it can be converted into cash quickly. Banks will only advance funds on a percentage of receivable or inventory, typically being around 75% of the receivable and 50% inventory.

2. Line of Credit. A line of credit involves the bank’s setting aside designated funds for the business to draw against for the cash it needs. As the line of credit is used, the credit line is reduced and when payments are made the line is replenished. One major advantage of a line of credit is that no interest is accrued unless the funds are actually used.

3. Floor Planning. Floor Planning is another form of asset based lending in which the borrower’s inventory is used as collateral for the loan. Car dealerships are a prime example of a business that often uses floor planning as their primary financial tool.

* Outlook PST Files
* Outlook Express DBX Files
* Web Mail

Outlook PST Files

PST Files are very complex. So, once data is lost from these files, it is important to recover the data as well as repair them. To recover data the files themselves, these softwares are very helpful. Good software is equipped to repair and restore data from damaged or corrupted Microsoft Outlook file.

Microsoft Outlook stores email messages, contacts, notes and folders on the local drive as a .pst file. The Outlook recovery software scans the damaged .pst file and extracts and saves information in a new usable .pst file, enabling PST Recovery.

The key features of good PST files recovery software are:

* Providing PST Recovery from folders, calendars, contacts, tasks, notes.
* Repairing even the password protected files
* Restoration of formatting from RTF and HTML messages
* Recovering data from encrypted files
* Providing support to repair .pst files.
* Recovering deleted email attachments.

Outlook Express DBX Files

Good recovery software can scan, extract and save emails form .dbx files in which Microsoft Outlook Express stores messages and folders in the local drive. It should also be allowed to retrieve accidentally deleted messages from the ‘Deleted Items’ folder in Outlook Express. The .dbx files also need to be repaired so as to enable smooth functioning subsequently.

The key features of good DBX files recovery software are:

* Providing Mail Recovery from Outlook Express dbx files.
* Providing deleted email recovery of dbx files from corrupt media, such as floppy disks, Zip disks, CD ROMs, etc.
* Provides Mailbox repair of dbx files.
* Support to repair dbx files within a size limitation.
* Recovering deleted email attachments.
* Enabling the recovered messages to be opened directly in MS Outlook Express.
* Enabling recovered messages to be saved in the *.eml file format on any (including network) disks visible by the host operating system.
* Enabling message source view.

Web Mail

In order to access a web based email program like Yahoo or Hotmail, one has to use the Internet Browser to log onto a remote computer which stores the emails. When mails from it are deleted, they cannot be recovered. Hence, data recovery software is required to retrieve that data. It is a very complicated procedure, and only messages that have been opened already can be retrieved using a good software.

As the old and clichéd adage goes, prevention I better than cure. So, it is advised that a lot of care be taken. After all, loss of important mails can spell disaster for your business.

Timeshares

Timeshares are great places to spend your time. Some find that they get several weeks on their ownership program each year while others may not be able to use them at all. However that doesn’t mean you can’t rent them out to others and make a slight profit.

Most timeshare owners pay on average $250 for a week. Find friends or family who are willing to split the fee and share the space. Or if you just want to stay the week you can pay the fee and enjoy your time there.

Before you head to your time share destination check on these things first: Make sure you agree on the price before taking over someone’s timeshare, and ask the other party about other expenses such as cleaning fees, and maintenance charges. Know what’s around you, you may think the time share comes with a full kitchen but find out there isn’t so you’ll want to know what you have access to and surrounding locations.

The more the merrier

Take a vacation with your friends. It can be fun, and less expensive because you can split some of the costs. Say you want to go to the mountains to do some skiing. An average price for a weeklong cabin rental with three bedrooms costs around $900. You can easily split that between other friends and save a ton while being located in an ideal spot. If you prefer to be outdoors, then take a camping trip. Your cost for the campsite will be nothing!

Before you go make sure to set some ground rules such as still making time for family, not just friends, or alone time with your other half. If you have kids, perhaps one night, one other couple or the friends you are with can watch them and then you can switch roles. Or you can choose to do your own things during the day and then get together during the night for dinner.

Swap Homes

Do you live in an attractive place where tourists always venture to. If so, consider doing a house exchange. Most house exchanges cost $30-$110 per year. You may feel skeptical about turning your house over to a stranger but it’s completely safe. Most home exchangers are prosperous, mature, and well educated professionals so they are not likely to destroy your home. Or you can choose to do a house swap with a family with children if you have children so you are going from one child friendly home to the next.

Lead generation includes anything that a business does to gather a list of new or potential clients and involves a number of techniques used to create interest in potential customers. Some techniques commonly used for lead generation are direct mail, telemarketing, requests for proposals, requests for quotes, referrals, trade show demonstrations, seminars, and advertising. If done correctly, each of these methods will generate a list of interested potential clients for the business.

Advertising is perhaps the most obvious way to generate leads. People who respond to a company’s advertisements often become customers. Requests for proposals involve potential clients asking the business to come up with solutions and price ranges for particular problems or issues the customer may have. For example, if a city asks for a bid on a project from a construction contracting firm, then the contracting firm has generated a lead.

Requests for quotes are similar—for example, car insurance companies offer free rate quotes. When the potential client asks for the quote, they give the insurance company information about themselves that the company can then save for future use. Direct mail is when a business sends out fliers or brochures to a large number of people in the hope of attaining new customers. When a business has employees make cold calls to a list of people, they are telemarketing. The business hopes that some people will listen to the callers and become interested in the business. Trade show demonstrations and seminars are designed to appeal to people who are already interested in the business’s product.

The business always tries to present itself as better than its competitors. Referrals are common in many types of business. Some firms use personal information to make lists of potential customers to be sold to interested businesses.

Generating leads is a vital part of any sales related operation. Without knowing who may be interested in their products, companies would have no idea how to generate revenue and would have to rely solely on repeat business from existing customers.

Let’s look before we leap, OK? Here are some factors to consider:

What is the current state of health of this business?

You should be able to see the financial records and consult professional help if needed.

What is the reputation of this business in the community?

If there are negative feelings about the business in the community, you need to consider a name change and making a big show of the change in management. Factor in the cost of a face-lift on the façade of the physical facility.

What assets are included in the selling price?

If you are buying the building, equipment, coolers and inventory, you need to carefully assess the age, condition and viability of these items. For example, there may be $10,000 worth of inventory in the store, and the seller may be able to document the value by showing invoices. However, if the inventory is shop worn, out of date or not in keeping with your business plan, the value of that inventory to you may be quite a bit lower than that $10,000.

Are you also buying the Accounts Receivables as an asset? If so, you should do some serious research into the exact state of these accounts. Many traditional florists have struggled with house accounts. They have extended credit as a matter of tradition, rather than good business sense and have found themselves in extreme cash flow trouble.

What liabilities are you buying?

You’ll need to be very clear about any debt or bills you will be taking over. Be sure that you hire professional help to outline any such debt in your sales agreement. Because of seasonality of the flower business and the existence of house accounts, many retail florists have difficulty with cash flow; you should avoid any situation where you will be paying bills run up by the previous owner.

Also, you should take time to consult with the Wholesalers that you will be buying from. Discuss your payment terms and lay the groundwork for a healthy business relationship with a reputable Wholesaler or two.

What about the business name?

If the name of the business is valuable in your market, you probably won’t want to change the name of the business. In any case, consider a clause in the bill of sale limiting the use of the name by the previous owner in the future. This can be very sticky in the case of an owner’s own name, for example “Smith Florist”.

Will you need to hire all new staff?

Sometimes a previous owner chooses to stay on and work for the new owner. This can pose tremendous difficulties for all involved, so tread lightly on this territory. It’s an extreme analogy, but think about the difficulties in open adoptions between birth and adoptive parents. Everyone has their own style and it can be difficult to accept change or let go of something you have worked very hard to build.

That being said, many valued staff members at successful florists have weathered the change in ownership of their place of employment. Do make every effort to retain good people. Just be sure to be clear about your expectations so that the separation can be as painless as possible should that become necessary.

What is the correct timing?

Take the holidays into account when you plan your purchase of a flower shop. Valentine’s day is the single largest day, but Christmas is more of a marathon. Mother’s Day, weddings, proms, graduations and anniversaries team up to make the spring months a nice busy time. Depending upon your market, the summer can be a difficult time to make ends meet.

Ideally, you’d take over a shop with enough time to get your feet wet before a holiday, but not with so much down time that your funds dry up before you can get going.

What other opportunities exist, and at what cost?

Here’s the acid test. Take the time to sort out the options. Let’s work on the assumption that you WILL own a flower shop in the next year. Take a big sheet of paper and draw a line down the center. At the top of the left column, write “Buy and Existing Flower Shop”. In the Right column, write “Open a New Flower Shop”. Now draw a line through the middle of the paper, so you have a top and bottom. The top is for pros and the bottom is for cons. Fill in the grid with as many items as you can figure. Ask your trusted business friends and floral professionals for help. You’ll be considering such items as the finances and the marketing plan of your business. When you have completed this exercise, you should have two things. One is a good tool to help you make a decision. The second is the beginnings of a business plan.

Whatever your decision, a business plan is essential. It is your roadmap for success and will be necessary for a business loan. It is worth the extra time at the onset of this journey to compare the options and make the best decision you can.

Luckily, you can avail of inexpensive aggressive internet marketing if you just look hard and good enough. Be keen and alert and know what’s going on in the online industry. The following questions will help you discern if your chosen internet site to do the marketing fits the bill.

1. Does the company offer free website design?

Even if you know your HTML, it is still more advisable if a professional team does it for you. Some internet marketing sites offer free web design to make sure that your site’s needs are met. It’s a must that marketing is integrated to the web design. If the company requires you to pay more than fifty bucks for the web design, then so much for straight-forward internet marketing! Look somewhere else!

2. How many keywords does your web site cater to?

Having too many keywords or key phrases to focus on will make your page ranking drop. Creating smaller web pages with content that emphasizes only a few keywords will serve Internet marketing endeavor better.

3. How search engine-compatible is your website?

Internet marketing is coined “aggressive” only if it is a hundred percent search engine-compatible. There are about 10 major search engines online and your site has to work accordingly with them. Find out if your internet marketing site is expert on search engine optimization.

4. Do you know your competitors?

Affordable aggressive internet marketing pushes your business forward by taking note of your competitors. Analysis and evaluation of the competition is mandatory to figure out your shortcomings and advantages over them. If this feature is excluded from your internet marketing plan, you’re getting a mediocre deal.

5. How efficient is the monthly marketing plan?

Usually, you’re asked to pay a monthly fee for the marketing plan. For a marketing plan to be efficient, it must zero in on the following things: webpage development, link exchanges, web content, updates and technical support. Of course, also included are the standard SEO, competition analysis and keyword density.

If you’ve procured the right answers for the previous questions, then you can finally say: “Now that’s low cost aggressive internet marketing.”

RESOURCES

The Law Society of England and Wales offers information for the general public on the law of England and Wales. The Law Society is the solicitors professional body and maintains a list of all practising solicitors. The Law Society is the regulatory and representative body for 116,000 solicitors and regulates and sets standards for solicitors to make sure they deliver a good and ethical service and achieve the standards expected of them in order deliver good service.

UK Law Centres provide free legal advice and assistance together with a comprehensive list of links to other legal advice organisations websites. The Law Centres Federation aims to improve access to justice and promotes good Law Centre practice and innovation in the delivery of high quality legal services to the community.

The Law Society of Scotland offers information for the general public on Scots Law and maintains a directory of all legal firms in Scotland. The Law Society of Scotland is the governing body for Scottish solicitors which promotes the interests of the Solicitors profession in Scotland and the interests of the public in relation to the profession. All practising solicitors in Scotland must be members of the Society and must hold a current Practising Certificate which is issued by the Society.

The Law Society of Northern Ireland offers information for the general public on the law in Northern Ireland and maintains a directory of the 6,000 practising solicitors. The Law Society is the educational, representative and regulatory body of the solicitors’ profession in Ireland and works to improve access to the law generally and also provides representation, services and support for solicitors. The Society deals with complaints and administers a statutory compensation fund.

Advicenow promotes an A to Z of resources relating to legal information and also provides links to over 160 other legal information websites. Advicenow is an independent, not-for-profit website providing accurate, up-to-date information on rights and legal issues and is part of the Advice Services Alliance which is the coordinating body for independent advice services in the United Kingdom including adviceUK; Citizens Advice; DIAL UK; Law Centres; Shelter and Youth Access.

Community Legal Service Direct (CLS Direct) is an organisation providing free legal information. CLS Legal Information Leaflets, produced by the Consumer Association can be downloaded and printed from the site. Community Legal S ervice ensures that people can get information and advice about their legal rights and brings together legal aid solicitors, Citizens’ Advice Bureaux, Law Centres, local authority services and other organisations in local networks. More than 200 CLS Partnerships exist across England and Wales and include representatives of the Legal Services Commission, local authorities, Government departments and statutory organisations, charities and legal service providers.

Your Rights is the website of Liberty the Human Rights organisation. Liberty’s online guide provides comprehensive information on rights and freedoms including the effect of the European Convention of Human Rights under the Human Rights Act 1998. Liberty is an independent human rights organisation which is not overseen or regulated by a representative or umbrella body.

Citizens Advice Bureau can be found in almost all cities and towns and provides extensive free legal advice and information on a wide range of legal issues at no charge to their customers. Many specialist solicitors give their time free to man the advice sessions. The CAB website provides people with round-the-clock access to information on their rights including benefits, housing and employment, and on debt, consumer and legal issues and aims to empower people by providing them with relevant legal information

Ombudsmen is a website that provides information on all of the ombudsmen available in the UK to assist individuals who believe they have received an injustice from a public body or private sector service. Ombudsmen do not consider a complaint unless the organisation concerned has been given a reasonable opportunity to rectify the problem. The ombudsman does not charge a fee for his work. If the ombudsman decides to act he will set out proposals for resolving the dispute and will expect provision of a suitable remedy by the offending organisation.

*Allocate sufficient money for your essentials.

*Borrow only for items that you need and can afford.

*Borrow only if you’re spending less each month than you take home.

1. Start with your monthly take-home pay.

This is the amount you have left after taxes and other deductions have been made.

2. Subtract the amount you need for necessities and fixed expenses.

This includes savings, your mortgage or rent payment, utilities, food, transportation, child care, medical care, clothing, and recreation. Include payments made on a quarterly, semi-annual, or annual basis, such insurance and taxes.

3. Subtract monthly payments for existing loans and credit cards.

4. The balance is the amount you can safely apply to debt repayment.

Avoid thinking you can spend all this amount, since emergencies do occur, and you may not wish to use your regular savings account to cover small, unexpected expenses.

Monthly Take Home $ _______________
Fixed Expenses —- $ _______________
Loans/Credit Cards —- $ _______________
Amount Available For Additional Debt $ _______________

Moral of the Story: If you’re planning to buy a new house or car, pretend you have already done so and start “making the payment” but to yourself. Within a few months, you’ll know whether or not you can really afford it and you’ll have some money set aside for repairs, etc. when you actually do make the purchase. If you can’t make the pretend payment, you certainly won’t be able to make the real one consistently. Time to go back to the drawing board and figure out what else you’re willing to give up in order to have the new debt.

HOW TO MANAGE CREDIT CARD USE
Many people find themselves with credit problems because they don’t keep track of purchases they make with their credit cards. A simple method of keeping track of monthly credit card charges is to:

1. Determine the total amount you can responsibly charge on all your credit card accounts during that month.

2. Keep track of your credit spending in the same way you maintain a running balance of your checking account.

3. Subtract each amount charged from the monthly charge limit you set.

4. Stop using your credit cards if you draw this balance down to zero.

Next Time You’re Online, Buy Something

Billions of dollars are spent each year online. Rather than suggest that you hurry and move your business online, I’d like to suggest that you add some of your dollars and cents to those billions already spent. Companies who move operations online reduce their overhead costs and often pass on those savings to you. Computers, airplane tickets, even student loan consolidation, can be purchased or arranged online. It has been my experience that I can find almost everything I want online for less than I can find it anywhere else. Next time you’re thinking about biting the bullet and making that big purchase, spend a little time shopping around online and see if you can’t save a few dollars.

Consolidate Student Loans and Get Your House in Order

Chances are good that you’ve been out of school for a while, but don’t skip this paragraph. If you consolidate student loans or other financial obligations, you will typically save a great deal of money each month on your monthly payments. Running a home business often blurs the line between personal expenses and business operating costs – do yourself a favor and make sure you have your personal financial affairs taken care of before you find yourself overwhelmed with past obligations. The government might not have cared about your credit score when they gave you those student loans, but banks looking to give business loans are a whole different story. Making sure everything is taken care will keep financial doors open that, once they’re closed, are very difficult to reopen.

Score One for the Little Guy

Believe it not, most people want small businesses to succeed. There are a lot of people willing to give you a break on prices because you own a home business, but you might need to ask about it. Office supply retailers and computer distributors sometimes offer discount prices to registered small business owners. The savings are not always monumental, but even the smallest savings multiplied over a year or two start to add up to pretty substantial amounts. Shop around to see if the suppliers you use are willing to offer you a discount on supplies or equipment.

Do Without…For a While

I’m probably not the only person that drove a car that was older than I was during college, or who ate Ramen noodles more than once almost everyday. Don’t forget the lessons you learned while you were a poor college student – the same ability to make do with what you have can save you a lot of money in the long run. I had just graduated from college and I wanted to get a new computer to replace the older, though fully functional one I was using. This was before I took my own advice to consolidate student loans, so money was still pretty tight. I wanted to kick myself when I saw that the price on the computer I bought dropped $300 in three months. Some expenses are necessary and unavoidable. For everything else, look to see if you can manage with what you have for a while longer.

Don’t Do It Alone

Nobody likes data entry – it’s time consuming, boring, and time consuming. If you find yourself spending too much of your day punching numbers into spreadsheets, consider hiring someone or outsourcing it to another company. If you think that you can’t afford the part-time salary, do an inventory of your time and see if what you would pay someone is worth the amount of time you’ll be able to invest into the meatier matters of your business.

I know I’m risking sounding like your father giving you a lecture about money, but remember that a penny saved is a penny earned. A successful business minimizes costs while maximizing profits.