Sunday, January 3, 2010

How To Make Money With Your Junk Mail


The term "junk mail" is a well-known term. To the common guy or gal on the street, "junk mail" to them is advertising flyers from the local grocery store and pizza shop that arrive in their mail every day. To the mail order dealer, it means something totally opposite because a mail order dealer in St Paul MN is not going to get a pizza ad for a shop in Jackson MS.

Therefore, "junk mail" refers to pyramid schemes, chain letters and other worthless information that you are inundated with as a newcomer. Often you will get so much of it that you will think this is all mail order has to offer and quit. THIS IS NOT TRUE. This is only one phase of the mail order industry -- and it's too bad that beginners get hit with the bulk of it. As you continue to grow in the mail order business, the amount of "junk mail" you receive will diminish compared to the legitimate offers and orders. This is how you know your business is growing in a successful direction.

But back to the matter at hand. How can you make money with this "junk"? One way is by studying and analyzing the piece of mail from a marketing standpoint. Since people obviously are making money with "junk mail" (it would have phased out long ago if it didn't) it's up to you to find out HOW they are doing it.

Is it the words they use? Normally, "junk mail" offers appeal to a person's emotional wants and desires. They claim to offer hidden secrets, untold wealth and quick cash. They make false claims by telling people they can now send their kids to college, buy their wife a beautiful diamond ring, take a well-deserved vacation to an exotic tropic island and pay off all their debts.

When the person reads this stuff and forms visions of sugarplums in their heads, they will rush right away and send away for the product immediately. What made them believe you? How was the "junk mail" written to cause a person to immediately react in this manner? These are things you have to study and determine. Then, use this new found knowledge to sell your own product.

The problem with "junk mail" is that if a person gets all hyped up and sends away for the product they have built it up to be bigger-than-life. And when the product or information they ordered arrives, it simply is a sheet of paper or another piece of "junk mail" trying to sell them something else. The person feels cheated, stupid, and taken advantage of.

People may always exist that will respond to this type of "junk mail." But you can use the same marketing concept to provide the people with something REAL. This way, they won't feel cheated, stupid and taken advantage of. This is where the "junk mail" authors who wrote this stuff in the first place overlook the true marketing potential.

More money could be made if the person buying something is satisfied and makes a repeat purchase. In fact, newcomers are eager to learn and will buy anything to get started learning. By taking advantage of them only means that you will make one sale in that person's lifetime. But if the product is good and worthwhile -- they will order from you again and again. Many newcomers today will be big businesses tomorrow. And I'm sure if a newcomer found a honest company that really helped them break into the mail order field they would continue to do business with them when they really did make millions of dollars. See what I mean? The back-end sales for a lifetime would be worth the investment.

I'm not saying that you can take a piece of "junk mail" claiming to make the person $1 million in 30 days or less and turn it into a valuable and worthwhile product. Since this is a downright lie, there is no way to market this honestly. However -- you can study the piece of "junk mail" to determine what words and phrases were used and how the ad is written so you can understand how to present a REAL product that people will be eager to buy.

Then, pass the word and tell every new person you come into contact with about these pie-in-the-sky-schemes. You might even want to try writing to some of the people listed on the chain letters. Explain how all this "junk mail" only appeals to their emotional needs and how the company who originally wrote these materials are USING them to only get their money. If everyone passed along this information -- it wouldn't take very many years before we could put a stop to all this nonsense.

If people slack off on buying it and see the scam for what it really is -- the cons will diminish!


By Julia Tang


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How to Choose the Right Bank for Your Online Business


You should thoroughly consider your business needs when selecting a financial institution or bank for your small/home business. You may want to consider the following points:

- The types of products and services that are offered.

- The bank's criteria for qualifying for a loan.

- The minimum balances for accounts, interest rates and charges for account services.

- Location and Access to ATMs

- Online Banking Services

One bank may specialize in home loans or auto loans while another may focus on commercial loans for businesses. Some banks may only offer basic deposit accounts while others have lock box services, sweep accounts, and even online banking! It's very important to evaluate your business needs before you select your banker.

Here are some of the things that your banker may be able to help you with:

- Help you with the cash management needs of your business.

- Offer investment products of varying maturities or risks.

- Provide advice regarding what it will take to qualify for the loan that best meets your needs.

- Provide special loan programs for small businesses, including SBA loan programs and other government-guaranteed or agency loans.

- Assist you with finding financial information on your industry.

So compare different banks in order to find the one that will serve your business's needs and will also provide support and assistance during the infancy stage of your business. Selecting a bank that you can work with will be especially important as your business grows.

Start shopping around by gathering information to help you make this important selection. Compare interest rates on deposit accounts and basic consumer loans (most business loans are negotiated, so the rates won't be posted at the banking center). Also, look carefully at the charges for services. Tell them about your business and the form of organization so that they can tell you what special products and services or restrictions might apply.

Before selecting a bank, be sure to have a good understanding of your own business needs, and what you need from your bank. If you know what you will need from a bank, it will be much easier to evaluate and compare between various services. Remember, it is a good idea to establish a relationship with a banker, before you need money. The right banker will be someone that understands the needs of emerging and growing businesses. They will be interested in your business dreams and will help you achieve them.

By Chileshe Mwape


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Money Matters - Really!


One of the biggest challenges facing black RELATIONSHIPS today are finances. Many people mistakenly feel that money does NOT matter. In fact, money matters the MOST! Why? Most people do not have a clue about their own financial destiny.

You know you want to own a home and save some money toward retirement but have you PLANNED what it is you are saving each month and how that money will assist you in the future. Do you have a PLAN to empower yourself financially by NOT depending on your JOB to pay your salary and that's your only source of income. Times have CHANGED. Jobs come and go(and so do SPOUSES). To protect yourself financially you need to be proactive and not depend on anyone else to solve your financial issues.

You can improve your finances RIGHT NOW if they are not in order. There are low costs alternatives to improve your credit score and increase your buying power. Power not to be wasted on designer shoes, clothes, and automobiles, but to be invested in REAL estate. An interesting term to be sure. REAL because it is the foundation of all REAL wealth in this country. Estate, because that is what you can leave your children and family if you handle your business correctly - RIGHT NOW. Money matters because in a relationship YOU should have your OWN MONEY! That is right- I said it! You should not count what someone ELSE brings to the table when all your money is tied up in petty and senseless bills. Talking about petty and senseless- let us discuss CARS! What would possess a person to lease an automobile? Other than as a BUSINESS expense (which also means TAX WRITE OFF) someone PLEASE Tell me WHY? I have heard of folks paying $500.00-$900.00 monthly on car payments. WHY? My car is paid for and I am proud of it. Yes, it is ten years old - BUT I don't work because I DON'T have to support my vehicle. If you are serious about getting more money in this lifetime, you will need to STOP SPENDING money RIGHT NOW on things that DEPRECIATE in VALUE such as CARS! Nuff said!

We all need just ONE major credit card and an American Express card. The other credit cards need to be in the trash. The reality is- if you CANNOT pay for something you purchased within 30 days, you CANNOT afford it! Brutal I know but I have been there and done that. When you have to spend real $$ on what you purchase, it truly does slow your roll.

Contact me if you need to be pointed in the right direction. I will be happy to assist!

In a personal relationship many of your disagreements WILL stem from money issues. Not just who makes what, but how it is spent and how it is saved. It seems like such a small thing but when you are commingling finance and love you need to establish boundaries up front. PLEASE DO NOT IGNORE THIS ADVICE! You should decide in advance if you want to keep your finances separate and have a joint household account.

The household account should be open to both parties (online access is great for this) and not used for personal spending in any way. The check card will let you market, pay bills etc. A joint savings account would also make saving for special purposes much easier. No matter how much you trust each other, the savings accounts should REQUIRE both parties to sign off on withdrawals. Just to keep everything clean and above board. The traditional (old fashioned) way is to have just one account for checking and one for saving. Even though our parents did this, most mothers (and fathers) always had personal money SOMEWHERE that was just theirs. So why not be upfront about your own personal money issues so they do not come back to haunt you down the road.

By Michelle Smith-Billups


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Dumb Money


Many people have, at one time or another, taken some of their hard-earned funds, and decided to put them in the stock market. These well-meaning individuals either acted on a tip they saw on CNBC, or actually believed one of those crazy faxes/emails that said XBXB @ $0.17/share was the next Microsoft. These people thought they were being smart, but they probably just ended up lining the pockets of brokers and mutual funds when they lost money on their 'investment'. I know, because I've done it, too.

Part of the problem we face is that we are big underdogs in the investment channel. We, as individuals, have access to hordes of information. Yet, we don't even scratch the surface of our knowledge potential. We invest without carefully reading financial statements and company reports, looking instead to message boards and TV stock 'experts' for guidance. If you own mutual funds, do you know what companies those funds are holding? Most people have no clue.

Investors can be lumped into two categories: smart money and dumb money. Most individuals are 'dumb money'. Smart money regularly beats the market, and includes many mutual funds. Dumb money generally loses. Dumb money often over-reacts to market pressure.

There are a few ways to avoid becoming 'dumb money'...

First, forget about short-term investing. If you plan to rapidly buy & sell stocks, statistics show that, on average, you will lose, and maybe lose big. Long-term investors don't easily get scared off by market fluctations, 10% price swings, or a bad earnings report. Plus, they don't have to pay the transaction fees over and over like the day traders do. The best way to ensure that you will make money investing is to find your initial investment vehicle, and leave your money alone.

Second, don't go along with the crowd. Example: Walmart's stock has been a great investment over the last 5 years, right? Wrong! It's actually lost about 5% during that time. Yet, if you watched CNBC, you'd swear that Walmart was the best thing since sliced bread. Find a strategy that makes fundamental good-sense, and don't throw your money into a stock or fund because it's a big name. Finally, diversify! If you're in it for the long-haul, you need to make sure that some really bad news doesn't keep the kids from going to college.

That's it for now. Check out


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Tuesday, March 17, 2009

POLICY USAGE: A Tips


Collecting Your Claim Money

Insurance is different from any other product you are buying. When you buy a car, for example, you get to drive it home. When you buy a house, you live in it. However, when you buy insurance, you only get a piece of paper that symbolizes a promise that your claim will be paid. But, how can you make sure you get paid? Here are some tips to follow.

1. Make sure you know your claim number. Write it down and have it with you. Remembering to do this will enable the adjuster to handle your claim faster. The faster the adjuster can handle the claim, the easier he or she will be to work with.

2. Do not nickel and dime the adjuster. If their offer is close and reasonable, do not push for that last $5. You will never get it out of them and you can make negotiations harder on other aspects of your claim.

3. Do not tell the adjuster that you are going to hire an attorney. They hear that all day, every day. It doesn’t scare them. In fact, it usually just makes them take a hard line with your claim. Unless you have hired an attorney, don’t say it.

4. Treat the adjuster like a real person. Adjusters are people too. And just think, at least they are not debt collectors! An adjuster who is treated respectfully will treat you the same way. This makes the claim process much easier.

5. Provide reasonable documentation. If you claim you had a $500 car seat in your car, you can expect the adjuster to want to see proof of it. While you may not have the original receipt, you should be able to provide some documentation that the car seat costs what you claim. (And yes, I have seen people claim $500 car seats. I have never seen one that costs that much, but people will make a claim for it.)

6. Do not expect the adjuster to be your friend. The adjuster has a job to do: Pay your claim and move on to the next claim. If they save the insurance company money, from their perspective, that is even better. But do not expect them to give you advice, explain things to you, or offer you what your case is worth!

7. Prepare, prepare, prepare. You are not going to sit down and do your taxes without reviewing documents, understanding the process, and spending time learning how to do it. The same goes for your auto insurance claim. For example, if you car is a total loss, learn how your state determines the value. Is it a fair market value state or is it a Blue Book state? Once you know, figure out what you think your car is worth. If you are trying to settle an injury claim, learn what you can get compensation for. Then, prepare that list and figure out for which items you have a claim.

Insurance is unlike anything else. If you want to get fairly compensated for your claim, you must do your homework. This list is not an exhaustive list of what you need to do. But, this gives you some basic tips on how to make sure you get your claim paid fairly and timely.


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TIPS ON SELECTING AN INSURANCE COMPANY


When shopping for auto insurance, do a little homework first, shop around, and select your insurer carefully. Your insurer should offer both fair prices and excellent service. These tips will help you find the right insurer for you:

  • Know your state's auto insurance requirements:
    Most states require you to carry a minimum amount of liability coverage. Many states have "no-fault" auto insurance systems. Coverage for medical costs for you and your passengers is optional in some states. Coverage for damage to your car is optional.
  • Write up your personal auto insurance profile:
    List pertinent information concerning what type of vehicle you drive, where you drive, who else drives, what your driving record is, where you live, what optional safety features your car has. This profile will make the next step easier.
  • Comparison Shop:
    Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the Yellow Pages, and call your state insurance department for guidance. Contact insurance agents or companies for general pricing information. Select a few insurers for personalized quotes.
  • Meet with potential insurance agents:
    Make a few appointments, bring your personal auto insurance profile with you, and ask questions. You want a fair price AND quality service. Ask about available discounts, higher deductibles, service options and claims procedures after accidents. Take notes.
  • Compare Again:
    Consider cost, coverage offered, and quality of service available. Select your insurer.
  • Read your policy:
    Yes, even the fine print! Ask questions. Keep your policy at hand. Call your insurer to keep your policy up-to-date, inform your agent of any changes (new car, new job, new driver, etc.), and ask periodically about any possible discounts. Review your policy yearly with your insurer.
  • Keep your insurance information with you:
    Many states require drivers to carry a proof-of-insurance card with them when driving. Ask your insurer for a card, and keep it in your wallet or in your car.
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