Thursday, September 27, 2007

What Is Leveraging?

Copyright © Michael Laleye

Leveraging is a recent investment strategy which is more or less unpopular with the mainstream investing public. While most think they have heard everything about leveraging, they are mistaken.

Most people indeed have a negative perception when it comes to leveraging. This is because, often, the only time people hear about leveraging is when the strategy fails. However, leveraging can be a success when used properly.

Leveraging is a strategy employed to buy financial assets with borrowed funds with the goal of increasing profits. A common example of leveraging is getting a mortgage to buy a house. In that scenario, you are borrowing money to buy a house in the hopes that you could sell it for a profit (after the interests are deducted) at a later date. This is how leveraging works. You borrow money and invest it.

As in all money making strategies, leveraging can be very risky. Most even think it is an unwise practice. But when used wisely, leveraging can be very profitable. In fact, some businesses and individuals even talk about making a fortune due to leveraging. The biggest hurdle that you would face as an investor would be interest rates. Shaky interest rates may add to your profits or losses.

There are a number of good examples on how you can benefit from leveraging. The most basic is through investment loans. You borrow funds and invest it in the hopes that the profit would be bigger than the accumulated interest. In some countries such as Canada, one can deduct the interest paid on loans for some investments. This makes leveraging much more appealing to an investor since interest rates would no longer be a factor in coming up with a profit.

Another is the RRSP loans. RRSP or registered retirement savings plan is a vehicle available to people to defer tax on a particular amount of money to be used for retirement. The individual invests money in one or more of a variety of investment vehicles which are held in trust under the plan. Income tax is deferred until the money or the amount originally deposited (plus any interest or dividends made from that money) is withdrawn at retirement age. This means that there are two advantages when you borrow to invest in your RRSP. One, your larger contribution is tax deductible. Second, your investment in protected from tax.

There are many leveraging strategies. Some are quite fundamental and does not require much knowledge on finance but others are very sophisticated and require a certain level of advanced knowledge. As in most investments, prudent planning must be ensured. Moves must be calculated. After all, leveraging is definitely not for everybody. In the end, only you can decide if leveraging is for you.

Did you know that a home based affiliate business that earns residual income is another way to leverage your money to increase profits? The initial funds that you use to get your affiliate business website up and running is basically an investment in your business. As your business grows from the time and money you put into promoting it you will eventually start making more money than your monthly advertising budget. You then have the option to re-invest that money into your residual income affiliate business in order to expand it, or you can pocket the extra money.

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Monday, September 24, 2007

Internet Marketing Will Bring Your Business Successful Results

Copyright © Michael Laleye

It has been estimated that over 134 million people use the Internets search engines to find products and services that they are looking for. When it comes to reaching your target audience for your business, there are tow areas of Internet marketing that will allow you to do just that. These two methods include Search Engine Optimizing (SEO) and Pay-Per-Click Advertising (PPC).

Search Engine Optimizing

The idea of this technique is to optimize your site so that search engines will consider your site to be relevant. By doing so you will receive top results for your specified products and services offered. Use the hottest keywords to narrow down customer searches. Also be sure that your keywords are directly related to your site and its services and or products. If you are a pet supply company and you use a keyword such as pet, supply, or pet supply then customers can be directly guided to your site. However if you use keywords such as dog, fish, and animal items than the customer is directed to a list of sites that include these keywords. This is why searching the Internet can be frustrating at times. If a company takes the time to use the most defined keywords possible there sites will be targeted to those customers looking for your product.

Pay-Per-Click Advertising

This form of advertising can be an excellent tool for Internet marketing. Here are some of the reasons why: it shows up immediately, you only pay for results, you can run simultaneous ads, it’s an advantage for online business. As soon as a user types in one of your keywords your ad will immediately appear to the right of the screen listing sites available. If they click on your ad you are charged a small fee, if the ad pops up but no one clicks on it, no charge is submitted to you. You can run several ads at once and it can be free. It puts your site name out for potential customers to see and if they view the site address but don’t click on the ad you just advertised free of charge. You may be surprised at how many visitors you will receive at your site and the small percentage of money it took to get this exposure.

By combining both SEO and PPC together for your Internet marketing campaign you will reach your target audience in just a matter of minutes. It’s quick, easy and effective. Marketing has never been so easy. Next time you are on the Internet, pay close attention to the sites to the right of your screen. Take a look around at the PPC advertising as well as the SEO advertising methods. After you see how they work, you will be ready to plan your own Internet marketing attack.

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Thursday, September 20, 2007

Online Business: Multiple Disciplinary Skills Required

Copyright © Michael Laleye

Online Businesses, unlike many on-site businesses, require entrepreneurs to not only have a background in business, but also computers. Yes, on-site businesses function on computer systems, too, but they don’t rely solely on computer technology for their operation. No matter how shrewd or savvy an entrepreneur may be, if s/he doesn’t have a strong grasp on how computer technology works regarding e-commerce; the utilization of marketing strategy through online systems; hypertext languages; a knowledge of other forms of software, such as Adobe, Flash and Java; and other essential aspects of business networking, the online business is sure to fail.

This is why a whole new type of business study has emerged in recent years: Online business. Yes, double majors in Computer Science and Business would prepare those who wish to primarily work online, but business schools now have incorporated a computer-oriented dimension to their programs on all levels, not only because computer technology has become an important integration in society in general, but also because online businesses, revolving around e-commerce, have become a prominent and necessary community in the overall scheme of global business altogether. It is crucial for all business students to know about computer technology, whether they intend to eventually work online or not. Many on-site businesses today are also available online, so Internet interaction is inevitable for everyone involved in business.

As it stands now, any business person who is unable to maneuver successfully through online communities is likely already destined to fail. Such graduates from Business schools are arguably incomplete in their learning.

Those who wish to set up their own business site must know how to establish and work through online banking systems; download software an files essential for business site management like templates and tutorials, upload files, such as image files; moderate forums for technical support; integrate registration and merchandise ordering software for interactive purposes; write in basic HTM, HTML, PHP and/or other hypertext languages; incorporate clipart and icons applications as necessary; and effectively initiate advertising and other marketing strategies. Conducting online business is much different than offline because the community in which it thrives operates according to its own distinct set of rules and mannerisms. Being able to maneuver through the landscapes constructed by such distinctions with ease and to one’s own advantage will lead to success in that community. This is even true for the Internet.

It can also be argued these days that those who learn about online business first are likely the more valuable because of their technical capabilities. Computer technology is just as appreciatively vital and important in business as it is in Computer Science, and every single business, whether online or offline, will be looking for those with such experience, inclusive and/or aside from any academic achievements. Anyone in business having both academic degrees and experience with Internet technology are understandably most ideal.

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Monday, September 17, 2007

Does Your Home Based Internet Business Need An Overhaul?

Copyright © Michael Laleye

If you have noticed sales have been slipping over the past few weeks or months, you may need to change your strategy or your business entirely and begin offering new goods and services. Depending on your customer demand, you may only need to change your website or begin offering more products. But before you make any big changes, you should find out why business has slowed and what your customers expect from you.

The first step to overhauling your home based internet business is to send out a survey to existing customers asking them for input on the goods and services you offer. This will give you an idea of the types of changes you may need to make. By learning more about what customers expect, the changes you have to make may not be what you expected.

After sending out a survey, you should visit your internet business website to see if there are any obvious changes to be made. Make sure your site can be navigated easily, that all links within the page are working properly, and that all pages are labeled correctly. You may need to update your pages with new colors, images, or content. One of the best ways to ensure return customers is by offering new content each month and archiving old content so visitors can access it when they want. Sprucing up your website is an inexpensive change that could affect your business.

Developing new marketing techniques or targeting a new group of people online can help build your online business. When targeting a specific group of people, you will have to find out which sites they are more likely to visit, which blogs they read, and which products they would be interested in purchasing on your website. In order to be successful, you should target two or three specific groups so you have a better chance of reaching potential customers. Unless you sell a niche product that only appeals to a certain group, attracting the attention of a few groups is best.

Once you have reviewed your marketing strategy, introduced new products on your site, and altered the look of your site, you should send out announcements to everyone on your email list so they can visit the site. This will increase sales. Writing a press release announcing these changes is another way to help spread the word. Maintaining a certain level of exposure online is the only way to enjoy continued success when running an Internet business.

Overhauling your business many need to happen every few years in order to attract new groups of customers. Be patient and affect changes as they come. Utilize all the marketing tools you can in order to build your business so it can remain successful.



Friday, September 14, 2007

The Possibilities Of Owning Your Own Home Business

Copyright © Michael Laleye

There is nothing quite like owning your own business. You might not realize that you can have complete and total control over what you are doing with your own business. Owing a home business can be something that you can do at any point in your life - which is a part of what makes owning a home business so exciting. Many people choose to own a home business after they have worked in various sectors of the professional realm. They feel that they can more easily do this because they know a lot about what they have been doing for many years, and they can be more secure in the fact that they will be able to know what they are doing in their business.

However, there are also people who feel that experience isn’t everything. These are the people who start right away with a home business - even if they have no work experience in the field that they are having a business in. This is something that is being done more and more often, simply because it has become more and more easy to learn the things about home business that were previously only learned by working in the professional field.

With all of the tools that are available to people who begin with home businesses, it is a wonder that more of them aren’t started each and every day. In fact, this is the case as the days go on. More people want to work at home for a variety of reasons. The main reason is simply the idea that a person can work at home and can therefore be in charge of what they are doing with their lives. This is a main factor in many decisions that are made regarding working at home. When you own a home business, you are more than able to actually choose your hours, your own schedule, and to do the kinds of things that you have always wanted to do. This is all very important parts of owning your own home business, and the freedom to make your own schedule is only part of the decision that many people are making.

Another main reason that many people choose to work at home is simply that idea - it is at home. A person can take advantage of the time that they are working to enjoy the home that they work so hard to keep up. This is something that many people site as one of the most important aspects of owning their own business. Simply being at home - and able to answer the phone, the door and to take advantage of all of the things that being at home has to offer them is one of the main reasons that owning a home business is so exciting.

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Tuesday, September 11, 2007

So You've Joined An Affiliate Program To Make Money Online, Now What?

Copyright © Michael Laleye

Affiliate programs are primarily centered around a website or blog. The idea is that the website serves as the information base for the program. People come to the website and learn about the products and program. If they are interested they buy or sign up. That is what is so hard. Most of the time people will scan an ad and see a hundred others just like it, so they ignore it and move on. They need something to catch their eye. They want it to be different. Once they get to the website the information better be clear and explain it all or else they will simply walk away. Good marketing will not only lead them to the website, but peak their interest enough that they willingly read through the website and learn more on their own. Here are 3 tips for marketing your affiliate program on the internet.

1. Create a website, blog, or lens
Creating a website gives you a place to promote your affiliate links and also put your customer in the mood to buy or click your affiliate link. When people find your website or blog they are usually looking for information. If your website provides quality information on the product or knowledgeable information about the topic then your visitors will be more likely to click your affiliate links and create a sale for you. A free blog can work just as good as a website depending on the product or service you promote, you can choose from a variety of template designs, and they are free to operate.

2. Search engine optimize your website or blog
Search engine optimization(SEO) is the process of improving the volume and quality of traffic to a web site from search engines via natural search results. By choosing the one word or phrase that describes your affiliate product or service you have partly search optimized it. The basic concept is to weave that phrase of word into your website content to let the search engines know what your website is all about. You also have to submit your site to the search engines themselves to speed up the time it takes for the search engines to find out that your website is even on the map. Once you've done that you can get the search engines to start sending traffic to your site by placing links to your site or blog on other sites related to your affiliate program's products or services, using your main keywords as text links.

There are many ways to link to other websites such as writing articles and submitting them to article directories. You can list you website in any of the thousands of directory listings, and you can post to online forums. The phrase or keyword that describes your site might be a popular one on internet search engines and if so it's not likely you'll see any free traffic from it right away because of heavy competition from other sites that have been around longer and are already optimized. Finding a low competition keyword in the same niche will allow you to get picked up by the search engines quicker. There are tools online that will allow you to search for popular keywords and find lesser competitive variations of your main phrase: you can go to to try it for yourself.

3. Think long term
With a long term marketing and growth strategy in mind and with free traffic from the search engines your business will be able to run on autopilot. Learning the skill of search engine optimization can bring thousands of visitors to your affiliate program website or blog. The better you are at SEO and the more visitors your website or blog gains over time from your linking efforts, the more you can expect your affiliate commissions to grow. This snowball effect is one of the best ways to make money online with affiliate programs.

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Tuesday, September 04, 2007

Effective Decision-Making Tips

Copyright © Michael Laleye

This article has a lot of great information for anybody involved in an online business. With so many business opportunities available on the internet it's easy to be pulled in many directions at the same time. Effective decision making slows things down and helps you make the best choice possible. Also, if you already run a home internet business you're probably always trying to get your business to the next level. This may cause some to purchase products and services and max out credit cards without really researching the products or searching for alternative methods. Enjoy the article...

Decision-making is an important task that will enable an organization to function properly but it is inevitable that some managers may find this task quite daunting because the success of the organization relies on them. They will also encounter the fear of making the wrong decision because so much is at stake. You might wonder though why some managers seem to take the task of decision-making easily and comfortably. In line with this, it is important to realize that these managers know the real importance of decision-making and they have realized a few facts about it. You can understand these concepts too and make effective decisions yourself.

The first thing you need to realize in decision-making is that there is always no right or wrong answer. You might be looking back at the past and thinking that you have made the “wrong” decision. But you need to put things into perspective. Decision is in itself, a choice between two or more alternatives, every choice is correct; you just need to find the best solution.

The next thing you need to realize is that it is never recommended for you to make instant decisions. This is because you need to do an extensive amount of research in each alternative and weigh the criteria before making any decision. Sometimes though, it is inevitable that you will encounter situations where fast decisions need to be made. In this case, you still need have an idea about the things you should do before making a choice.

It is also recommended for you to use the SWOT analysis that is the strength, weakness, opportunity, and threats of each of the alternative solution. You can write each of these alternatives down and understand its impact on you, the people around you, and the organization to come to the most viable alternative.

Then to avoid feeling pressured, you should also make decisions as they come. Do not let the tasks and the paperwork pile up before you decide to tackle everything at once. This is because you will feel stressed and pressured when a lot of things need to be done simultaneously. Thus, your sense of judgment may become clouded and it is possible for you to make decisions you might later regret. Still another tip for you to make effective decisions is to consult with other people especially the people who will be affected by your decisions. This will enable you to have a clearer perspective of the impact your decision will have on the people around you.
Lastly, it is important that once you have made your decision, you stick to it because it will show your subordinates that you know what you are doing. Being committed will also enable you to avoid thinking about the ifs and the buts of alternative decisions.

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