Even worse, a lot of offers related to home business that you find in magazines, your mail, and on the Internet are outright rip-offs. That’s not to say they take your money and don’t deliver the product. They deliver the product all right; it’s the product that doesn’t deliver. Why? Because the home business “program” was designed to make money for the vendor, NOT the purchaser.

But there are ways to make money in a home business that are realistic, don’t cost an arm and a leg, and can be quickly learned with just a little time and effort. The business of Credit Repair is one such business.

Now the very name “Credit Repair” may sound intimidating to some, probably because there are high priced agencies and attorneys who practice it and charge thousands of dollars for their services. But that doesn’t mean they do anything the average person can’t do himself, given the proper knowledge. Nor does it mean credit repair can’t be done as a home business, rather than from an office with dozens of employees.

Before we continue, some explanation is in order. To start with, there are 3 major agencies in the United States who keep records of the credit histories of hundreds of thousands of Americans. These agencies are called “Credit Bureaus” and their names are Experian, Equifax, and TransUnion. They’re private agencies, have no connection with the US (or any) government, and are a billion dollar a year industry.

Do you want to take out a mortgage? Your lender will be checking your credit history with one or more of the credit bureaus. And once you get your loan, he’ll be reporting your payment history to the agency as well. And based on the information in the credit bureaus’ records, you’ll be assigned a “credit score” that lenders look at to determine your credit worthiness.

The business of credit repair involves contacting the bureaus in an attempt to improve a client’s (or your own) credit score. The process really isn’t that difficult, and involves a few simple steps.

1. Have the client get a copy of his credit report from each of the 3 bureaus. This can easily be done online at http://www.annualcreditreport.com

2. Write letters to each of the 3 bureaus and dispute negative information on the credit reports.

By law, the bureaus then have 30 days to verify the disputed information with the original creditor, or they must delete it. They must then report their findings to the consumer, and also send a copy of the revised credit report.

3. When the credit bureaus respond, examine the revised reports and continue to dispute additional negative items.

You may be thinking “So is that it?” Well, while this explanation may be a bit oversimplified, generally speaking, the answer is “Yes, that’s it!”

If you perform credit repair for pay, there are some legal matters you need to deal with to avoid running afoul of the law. For instance, some states require you to be bonded or licensed. You’re also required to inform clients of their legal rights, and to give them 3 days to rescind their decision should they decide to accept your services.

But these steps aren’t anything you can’t do as a home business entrepreneur. They’re intended to protect the consumer, and in general, are good practices that any ethical business person should be following anyway.

So if it’s that simple, why do agencies charge thousands of dollars for their services? Very simply, because they can get away with it! Most people just aren’t aware of how uncomplicated the process is, or would ever believe they can do it themselves.

Now if you’re looking to start a home business that will make you rich overnight without any effort, then credit repair isn’t for you. But then, neither is anything else. You’d do better to embrace more realistic expectation, or you’ll be forever wasting your money on the home business “programs” we mentioned earlier.

But if you’re willing to invest some time and effort in a realistic home business, you might want to take a closer look at credit repair. Compared to just about every other home business it has all the advantages. It’s one of the easiest to learn, least expensive and quickest to start up, there’s a huge demand (nearly 1 of every 3 Americans have some credit problems), and you can make some very, very good money. You can also choose to do it part time or full time. The choice is entirely yours.

To get started, you’ll need to do two things.

1. Get a good book on the process of credit repair and spend a little time familiarizing yourself with the process.

2. Do some research into the laws pertaining to credit reporting and credit repair companies, specifically, the “Fair Credit Reporting Act” and the “Credit Repair Organizations Act.”

Both can be researched online.

Finally, once you’ve launched your home business and begun repairing people’s credit, you’ll have the good feeling of knowing you’re helping people in need. And you can charge them way less than the big agencies and STILL make an extraordinarily good living. That’s a win-win situation for everyone … EXCEPT the credit bureaus and overpriced repair agencies.

Gives you a good feeling, doesn’t it?

(c) 2005 eBusiness Power

A Home Business That’s Both Realistic And Very Lucrative is a post from: Business Blog | Lilamitre-arte.com

Rental Cabins In The Air

I started with a crazy thought: “What if people could rent a cabin up in the sky for the weekend?” Right away my mind tries to make sense of the idea, and because the over-all goal is to have profitable innovations, it looks for ways to make it into a money making idea. I first imagined cabins which are suspended under large hot-air or helium balloons.

As much fun as it might be, this didn’t seem very practical. When I explored the idea further, though, I wondered if existing balloon-ride businesses could tap into other markets. If, for example, the gondolas were outfitted properly, and the balloons tethered, so they could be allowed to float two thousand feet overhead, would meditators then pay for a peaceful meditation retreat in the sky?

Another thought came to mind. Balloons could be high in the air, but easily cranked back in on a line. This might be simpler and cheaper than traditional rides, which involve chase vehicles and unpredictable landings. Perhaps this could be another way to make money with the balloons, charging a lower rate for simple up and down rides, and so getting new customers that couldn’t afford the usual rides.

This is how a crazy idea comes back to earth. Perhaps even the “weekend cabin in the sky” idea could someday be a money making idea, but if not, that’s okay. The point here is to get the creative flow going, and then find more practical ways to channel the output.

More Crazy Money Making Ideas

The following are pure imagination. I leave it to you to find a way to make these ones into potential money making ideas. Good luck and have fun!

- Put seats on the wings of an airplane and sell rides to thrill seekers.

- Sell advertising scratched out on the face of the moon.

- Rent out the animals at the zoo.

- Start an underwater school.

- Make a roller coaster course people pay to take their personal cars on.

- Sell pets genetically engineered to die young, for those who hate long-term commitments.

- Rent out children to undecided prospective parents.

- Have marriage insurance policies that cover the cost of a divorce, just in case.

- Have a swimming pool restaurant; diners sit in floating seats and eat off floating plates.

Scan the list and stop on any of the crazy ideas that catch your attention. Chances are good that you can find some way to transform it into a more practical idea, and that is the point. This exercise in imagination may be fun, but it is also a profitable technique for generating money making ideas.

Crazy Money Making Ideas is a post from: Business Blog | Lilamitre-arte.com

It’s important to note that when you establish a fixed price contract you do that with a customer – not a client. Until a customer has proven that they’ll be with you through the duration they are a transaction related customer. They are not a long-term client yet. When you first start out with somebody if you set up a price fixed contract the customer will be a lot more receptive because they perceive lower risk.

This perception may mean a lower margin for you because your fixed price contract is less per hour than you normally charge. Don’t worry about this. The more important objective here is to turn this customer into a client after you have established the willingness and ability to pay.

Fixed Price Contract Conditions

Doing price fixed contract work is only viable if you have very a defined project. It is very difficult to do with an emergency service call. You don’t know what you’re walking into. Keep that in mind. Don’t do foolish things like committing yourself to spend three days on a server rebuild for a fixed rice contract of $250.

Include in every fixed price contract two or three sentences that explain that it is subject to credit approval. If you grant credit, always leave yourself an out if they refuse to give you a credit application or the credit application is incomplete. This first fixed price contract is the riskiest. Because of this you want to do things that are in your own best interests.

The Bottom Line on Fixed Price Contracts

The key thing to remember with fixed price contracts is that you are more likely to get stuck with the first bill with a new customer than anywhere else. Use fixed price contracts as way to entice new customers and to lower your risk of nonpayment. Your goal is to turn these fixed price contract customers into long term clients but first you need to know how willing and able they are to pay their bills.

Copyright MMI-MMVI, Computer Consulting 101. All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance}

Fixed Price Contracts For First Time Customers is a post from: Business Blog | Lilamitre-arte.com

The following are some of the most commonly-asked interview questions, along with suggested approaches for answers. It is important that job candidates practice these responses until they are able to handle all the questions effectively.

Why do you want to work here? How can you help our company? Why should we be interested in you?
Answer is always based on information you’ve researched in advance about the company and their needs.

If you were choosing someone for this job, what kind of person would you select?
Answer is to generally state your own general qualifications, without being too “obvious.” Leave out the details.

If you could have any job which one would you want at this company?
Answer has to do with the most general description of the job – NOT A SPECIFIC TITLE.

What weaknesses do you have for this job?
TRAP QUESTION. Never state anything negative! Answer is to ponder for a while and then state that you can’t think of any weaknesses that would compromise your performance at this job; or negatively impact your performance of the job’s responsibilities.

What do you expect to get in this job that you haven’t gotten in you current/previous job?
TRAP QUESTION. Do not say anything negative. State that your current/previous jobs have met or exceeded your expectations. With the new position you would hope to have broader responsibilities and make greater contributions.

What do you see as your future here?
I would expect to be contributing at higher levels and have increased responsibility over time.

Are you considering other positions at this time?
TRAP QUESTION. Simply say “yes.”

How does this opportunity compare?
From what I’ve heard so far, very favorably … and I would like to learn more.

What other companies/opportunities are you looking at now?
As I’m sure you can appreciate, I’m not at liberty to say as I am still in discussions with these companies. I need to protect their privacy, as I would for your company under similar circumstances.

What are your short and long term goals?
Short range: To secure an appropriate new position where I can apply my skills and experience to increase the company’s productivity and profitability.
Long range: Assume more responsibility and make greater contributions over time for my employer.

What motivates you?
Focus the answer on your core values, and also on the values and priorities of the company you are interviewing with (which you should have identified through your preliminary research).

What have you done to improve yourself during the last year?
Talk about professional development, training programs, educational curricula, study in your field, on-the-job training, skill-building, relevant books you’ve read, etc.

How do you spend your spare time?
Say something inoffensive, apolitical and innocuous. (reading, exercise, travel, home projects, gardening, family activities, home projects, etc.)

Tell me about your health.
My health is excellent.

If you could re-live your last 15 years, what changes would you make?
Nothing is perfect, but overall I would say that I’m quite satisfied with the way my life and career have developed – so I wouldn’t make any significant changes.

Tell me about your greatest achievement/disappointment in your life.
Give one personal example (like meeting your spouse and getting married; putting yourself through college and graduate school; or saving-up to buy your first house, etc.). Then give your best professional accomplishment story. As for the disappointment, give an answer similar to the one above, implying that “overall, I would say that I’m quite satisfied with the way my life and career have been developing, so I really can’t think of any major disappointments.”

What did you like best/least about your last job?
TRAP QUESTION. Never state anything negative! Explain what you liked best. Then say that while every job has its challenges, you have been fortunate enough to learn and grow professionally in each of the positions you have held.

In your last position, how much of the work did you do on your own, and how much as part of a team? Which did you enjoy more?
Talk in terms of your flexibility and adaptability – your ability to work in whatever mode seems appropriate to the situation. Make it clear that you have been equally effective in teams or working independently, as each case demanded. You enjoy both; it’s more about what will work best for the project and the company at that time.

What are some of the more difficult problems you have encountered in your past jobs? How did you solve them?
Tell two or more pre-prepared accomplishment stories. Keep it POSITIVE!

Did you ever make suggestions to senior management? What happened?
Say “yes.” Tell some accomplishment stories and results, in which you positively influenced senior management.

At your previous job(s), what did you think management could have done to make you function more effectively as an employee?
TRAP QUESTION. Never state anything negative! Say that the employer was very good in providing resources and support to your position, and that you have no complaints about this.

What has kept you from progressing faster and farther in your career?
TRAP QUESTION. Never state anything negative! State: “I don’t know what could have given you the impression that I am dissatisfied with the progress and pace of my career. I am quite satisfied with where my career is at this point in my life. However, I am ready to take on greater challenges.”

What else should we know about you?
Tell one or two more of your best accomplishment stories. You can also repeat how well-suited you think you are for the opportunity, and how interested you are in the job.

Tell me about the best/worst boss you’ve ever had.
TRAP QUESTION: Never state anything negative! Say that while every boss has been different, you have worked productively with, and learned something from, each one. (Be prepared to give some examples of what you have learned.)

Everybody likes to criticize. What do people criticize about you?
TRAP QUESTION. Never state anything negative! Say that you can’t think of any criticisms you have received from colleagues on the job. Of course, there have been areas for development – such as when your supervisors would have given you your “employee review,” and they might have made a suggestion for improvement. State that you have always taken these kinds of suggestions seriously and have taken steps to make the improvements that were requested, and that this has made you stronger as a professional. (State at least one example).

Everyone has pet peeves. What are yours?
TRAP QUESTION. Never state anything negative! Turn this question around, by talking about your high professional standards. Your only “pet peeves” are with yourself – pushing yourself hard and not accepting mediocrity, for example – or how you are always striving to reach your full potential on the job, etc.

What is your leadership style?
Talk in terms of your flexibility and adaptability – your ability to lead in whatever mode seems appropriate to the situation. Explain that it’s more about what approach will work best for the project and the company at that time. Give an example or two, demonstrating different leadership styles, using your accomplishment stories.

Are you geographically mobile? (or) Are you willing to put in a lot of extra time?
Ask for clarification – what exactly does the interviewer mean? Then, according to their answer, either say, “that would be no problem at all,” or tell them “you’d like to give it some thought and get back to them within 24 hours.”

You don’t have the experience/background for this position. How could you handle it?
Say you’re confused by their comment, that you’re quite confident that you DO have the experience and background for this position, and that you’re a very strong match for the responsibilities. Ask what specifically concerns them about your background; what’s missing in your experience? (Sometimes the interviewer is just testing you.) Re-state your qualifications as needed, tying your accomplishment stories to the employer’s requirements.

You’re overqualified for this position, aren’t you? (even if you are slightly overqualified)
State: No – I see a lot of challenges in this opportunity, and I’m sure that I would find the work extremely interesting. Give some examples of what you mean, and talk about the new dimensions of experience and skill that you would bring to the position, almost as though you would expand the level of contribution in this job, thus making it more than it is at present.

We have all the information we need. We’ll be in touch.
Take the initiative. Ask such questions as: “Where do I stand? Am I being considered as a strong candidate? When should I expect to hear from you, or would you prefer that I contact you in a day or two? What is your time-frame for making a final decision? Is there anything else I can provide to facilitate the process?” etc. Then re-state your strong interest in the position and your confidence that your background is an ideal match to the job.

In conclusion, I strongly recommend that you prepare for your interviews by studying and practicing these answers. Get someone to help you, by doing a “role play,” in which your friend can be the interviewer and you can play the part of the job candidate. You will reduce your anxiety, boost your confidence and perform much better if you “know your lines” in advance! And remember – never say anything negative in a job interview!

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Permission to Reprint: This article may be reprinted, provided it appears in its entirety with the following attribution: Copyright © 2006, Ford R. Myers and Career Potential, LLC.

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Acing The Interview: The Positive Approach To Tough Questions is a post from: Business Blog | Lilamitre-arte.com

One of the factors that can assist in the difficulties of establishing a new, small business is the belief that important money to sustain the business cannot be spent on advertising. The allocation of money to advertising usually has a very low priority in a small businesses budget. This is a mistake, advertising is necessary, but there are a number of ways that it can be done in a cost effective manner.

First on a businesses list should be the largest yellow pages ad they are able to afford. Although the phone book is an old form of advertising with the importance that the internet is taking on, this is still one of the first things potential clients do when looking for a business or product.

Other print advertising ideas can be done with newspaper advertising. Local papers can get your geographic region narrowed in on. This is especially important given that the majority of small business clients come from a 3 to 5 mile radius. Also, papers can be good because they frequently have specialized advertising sections, which will be read by just the people you want. Local business groups also create special advertising sections that can be a great advertising idea and cost effective too.

Other ideas might look into specialized magazine advertising, using vehicle graphics and using the billing and other mailing necessities you have to further promote upcoming events and specials. There are a lot of ways out there that offer advertising idea possibilities, but the one thing that must be adhered to is that you must do something.

Advertising Ideas To Get Your Mind Bubbling is a post from: Business Blog | Lilamitre-arte.com

My company’s business phone system has what I would call, the absolute most annoying hold message ever produced. My boss, the owner of the company, is a really nice guy. Unfortunately, he is a really nice guy with a very pronounced speech impediment. One day he decided that instead of the traditional hold music, he would play a repeating digital loop of him announcing our weekly specials. We are a very busy company. In fact, most days find our sales reps on the phone from the time we get in until the time we leave. As you might guess, with such a high volume of calls, many people are left on hold.

When our customers finally reach a sales rep, I would estimate that about thirty to forty percent of them do an impersonation of my boss… no kidding. The other sixty or seventy percent usually compliment us on the “funny voice” doing our ads. I’ve had a few who were offended by it, thinking we were trying to make fun of those with speech impediments. The thing is, almost everybody has something to say about the hold ads. I even had one customer complete an extensive order while doing his version of “the voice”. Since our boss is a really great guy, my coworkers and I are less than amused on one hand, yet highly entertained on the other. My only problem is that while most of my colleagues are spread out over a huge office, my cubical is right next to the boss’. I have to keep a straight face during some fairly good impressions.

I miss the hold music.

Business Phone Blues is a post from: Business Blog | Lilamitre-arte.com

When you think about building a base of business contacts you should be on the look out for those people who have a high likelihood of needing your services. Networking for referrals is great but you should focus on business contacts who present a direct line to potential work.

Business Contacts Most Likely To Hire You

The following types of companies have a definite need for IT services. Try to develop as many business contacts within these types of organizations as possible.

Advertising and marketing consultants
Architects
Catering Companies
Commercial Printers
Distributors
Healthcare
Doctors
Dentists
Engineers
Graphic Designers
Insurance Adjusters, Agents
ManufacturerS
Movers
Publishers
Residential and Commercial Property Managers
Recruiters
Restaurants with POS systems
Transportation companies

When you seek to develop business contacts, make sure you find out who the buyers or decision makers are. It is a good idea to have business contacts with people in administrative or financial occupations. These people are often at the center of IT hiring decisions. Seek to make business contacts with accountants, administrators, bookkeepers, controllers, office managers, and operations managers and sales staff.

The Bottom Line on Business Contacts

Business contacts are critical to your business development. While all business contacts have inherent potential, it is important that you hone in on those people who are in a position to hire you. Look to make business contacts with people in the administrative hub of an organization. Making in-roads with these people has a high potential payoff in terms of business generation.

Copyright MMI-MMVI, Small Biz Tech Talk. All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance}

Business Contacts – Which Ones Will Hire You? is a post from: Business Blog | Lilamitre-arte.com

According to Kosciewicz, the Web today has grown into an “architecture of participation” that facilitates social networking through devices such as blogs, wikis, RSS, podcasts, and more. Forrester Research has published studies that show that traditional marketing is continuing to lose credibility. For example, in 2002, 78% of respondents in a survey said that ads are a good way to learn about a new product. In 2004, that number had dropped to 46%. In 2002, 14% of respondents agrees that companies generally tell the trust. As pathetic as 14% is, in 2004, it had declined even further – down to 7%. Social networking as a means of marketing overcomes this lack of consumer trust because it relies on the word of the consumer rather than the word of the producer. Research from Datamonitor reported that 85% of repondents in a survey indicated that word-of-mouth from friends, family, or colleagues is more trustworthy than corporate-generated content.

So how do you take advantage of social networking to sell more product? Simple – you open yourself up. You plant the seeds of a community to grow up around your site by using devices such as blogs, customer reviews, and forums to give a voice to your customers or prospective customers. The caveat is that you must be high quality. You must have high quality service and a high quality product. If not, avoid this marketing method.

Kosciewicz outlined four important rules for using social networking on your web site:

1. Guide but don’t control.
2. Never censor.
3. Don’t be afraid of the negative.
4. Don’t be paranoid.

If you open up a forum on your site but then restrict what people are allowed to say, such as removing posts that are negative toward your company or that mention your competitors, then you will do more damage than good to your reputation. Use negativity as a way to improve your business. If people are negative, look at that as feedback and act on it. Make changes, and then let your community know about it. Don’t worry about your community talking about your competition. Your attitude has to be that you are the best, so why worry about it?

As a community develops around your web site, certain members will establish themselves as more influential than others. They will be more outspoken, and will be the ones who often respond to others. Cultivate these members, because they can be powerful allies. Once you have identified the more influential members of your community, contact them regularly, give them free product, become their friend. Feed your influencers information, and they will distribute it for you. But do not make it appear that you are only interested in them because they can help you sell stuff. You need to be genuine.

Measuring the impact of social networking is difficult. Unlike other forms of marketing, there is no direct connect between social networking activity and sells. What you will want to do is track traffic to pages such as customer reviews, referral links, etc.

Social networking can be a powerful marketing tool, if you have a high quality product and are not afraid of an open dialogue with your customers.

If you would like help implementing a social networking strategy for your web site, call Work Media at 1-888-299-4837 or email info@workmedia.net.

Profiting From Online Social Networking is a post from: Business Blog | Lilamitre-arte.com

Well, this one question is one of the major questions I get from many of my subscribers who are interested in building a responsive email list. The majority of my subscribers say that they built a marketable email list by using various tactics like ad swaps, articles, and solo ads. But their major problem comes in the area of sustaining their email list growth.

A lot of my subscribers shared with me that they are actually losing more subscribers than they are actually gaining. So how do we avoid this?

Well, that is the focus of this article.

Now let me start off by saying that you will be deceiving yourself if you just think that you can overcome this problem of constantly losing subscribers without any work.

Sitting on your butt and doing nothing is the hogwash approach to online marketing!

It really frustrates me to even think that there are actual individuals who believe that success can come with no work at all!

So before I move forward, make sure you get the lazy approach to online marketing out of your system as soon as possible. If you do not extract laziness from your life and your business, you won’t see any improvement in your life and online business.

Now that we’ve got that out of the way, let me begin describing a legitimate way to passively funnel fresh responsive subscribers into your database.

I will list a series of steps that you can follow below:

1. Generate a content site for your niche

The goal in this step is to generate a website full of useful content that is related to the niche you are trying to build an email list for. A good content site, when organized well, can actually send repeat visitors to your website.

2. Place a Tell a Friend form at the bottom of the pages on your content site

A tell a friend form is a form that allows a visitor to recommend their friends to your website if they find the information on your website useful. A good content site with very valuable information will be virally recommended to a visitor’s friends and family if they find the content enjoyable and full of high quality information.

Therefore, make every effort to select or add the best quality content you can.

3. Add a popup note to every page of your content site

Adding a popup note to your website is an easy way to instantly grab the eyeballs of your visitors and force them to sign up to your newsletter or ezine. The type of popup notes I am referring to have been known to increase the responsiveness of website visitors to a certain offer just by describing the offer in the note.

To see an example of this type of popup in action, visit the link below:

http://www.free-traffic-generation.com

Now do you get the idea!

Just make sure you put a popup note on every page of your content website and you should see some consistent list growth. Also, make sure the popup is advertising your newsletter or ezine.

4. Write an article or press release about your new content website

Writing an article or press release is just a way to jump start the traffic to your website. Just one press release can send you hundreds of links to your site as well as some media publicity.

5. Generate another content website by repeating steps 1 thru 4…or just continue adding original content to your website.

Now this is all it takes to produce a passive list building machine that consistently sends streams of subscribers to your newsletter or ezine. The more content sites you have, the more subscribers you will be able to passively generate.

5 Steps To Generating Your Own Passive List Building Machine! is a post from: Business Blog | Lilamitre-arte.com

Regardless of the quantity of on-line lenders, not each can offer you faxless instant loan, that is why find out which creditor can provide you with the servicing exactly in your state. At times you may be required to present additional papers to the lending company because of the fact that each state has its basic laws of issuing UK payday loans.

The kernel of faxless online payday loan has no equivocal issues. Firstly, search for instant payday loan offers in the Internet. It might take time to find the lender which proposes moderate fees and suitable conditions of pay-off as there are piles of proposals available. Filling out of application form is the only but mandatory action that you must perform. The questions in request are typical: name, telephone, electronic contacts, social security number and address. The lender will require your savings account id and bank requisites, as well as your working place info and usually 2 personal references. Recommendations (evidence of operability) and place of location (United States) are demonstrations of the lender’s legitimacy.

All the wonders begin when your application is ratified; you receive the necessary sum exactly to your banking account within one working day. What is more, your creditor may require acknowledging the funding to make sure you’re contented. To cut a long story short, remember that each fiscal problem can simply be solved thanks to the faxless payday loan servicing.

Straightforwardness and Rapidity: the Gist of Instant Payday Loan is a post from: Business Blog | Lilamitre-arte.com