Finance Success | how to be financially successful

3# Best Fundraising Ideas: Keep It Safe

2015-05-11T03:04:00.000-07:00

Best Fundraising Ideas: Keep It Safe

When your youth group is doing a fundraiser, it is imperative to make sure that the proper safety precautions are followed.

Never allow door-to-door sales without direct adult supervision. Period.

In a sad case, an 11-year-old boy selling candy for a PTA fundraiser came to the door of a 15-year-old boy who was home alone at the time. The youngster was invited inside, sexually molested, and then murdered.

This is not an urban legend. The murder happened in Freehold, New Jersey on September 27, 1997 and it raised the fundraising safety issue to national prominence.

I'm not usually an alarmist, but I included the example above to heighten awareness of the safety topic.

I am by nature a trusting person, but not when it comes to my children! Nothing is worth such devastating consequences.

Develop An Appropriate Safety Focus
So, how do you build the appropriate safety focus into your program?
You start by stressing safety from the top of your organization to the bottom. You have to make sure that safety is a focal point in all your communications.

1) Use written selling guidelines
Put it into writing that all selling should be supervised. Your organization needs this as a protective measure and so do the children. If an adult cannot commit to accompanying a child, the child must not perform that type of sales activity.

Make sure that each child's parents are aware of these guidelines. Get the message to them that their children are not being encouraged to sell outside their comfort zone by your group.

Tell them that they should focus on their core contacts - family, friends, neighbors, and coworkers of parents. In other words, e safe by selling only to individuals who know your parents.

2) Repeat the message
Put up fundraising safety posters at convenient locations to remind young sellers. Make them friendly, but firm.

Example: "What's the last thing you do in a fundraiser? Sell without an adult present."

Print a safety message on all of your sales literature. Look for this from a quality supplier. Put the "Keep It Safe" message on all communications.

Repeat the safety message at every opportunity. Cover it in your kickoff meeting, during sales brochure distribution, in the take home package, etc.

If your fundraiser is school-based, have teachers reinforce the safety message in the classrooms.

3) Put safety into practice
Don't encourage inappropriate behavior such as risk taking, unsupervised sales, shopping center sales activity without prior approval and adult supervision.

Your group's policies and procedures may vary from this approach.

The important thing is to develop a written policy and make sure those guidelines are followed.

Summary

The best way to avoid an unsafe situation is by not going there. Many other youth programs also carry a strong safety message. Make sure yours does too.

Fundraising Ideas For Your Next Fundraiser

2015-05-10T03:07:00.000-07:00

Fundraising Ideas For Your Next Fundraiser

Here are four keys to better nonprofit fundraising results.

Non-profit fundraising is all about multiple streams of income, so how do you make more money for your organization?

Simple. When you put together your annual plan, you need to include as many ways to raise money as possible.

So, you're probably thinking: 'That's easy for you to say, but how exactly do I go about it?' Easy! You just have to be "smart" about it, with a well thought-out plan that doesn't make too many demands on any one facet of your organization.

Every fundraiser that you conduct places various demands on your volunteers, your supporters, and your leadership. Those demands can be time consuming, expensive, and stressful.

The more large-scale fundraisers you conduct in one year's time, the greater the load you place on the people you depend on.

You need to be 'smart' in how you go about your fundraising.

Four Keys to Non-Profit Fundraising:

Think Smart
Plan Smart
Work Smart
Be Smart

Non-Profit Fundraising - THINK SMART
Thinking smart means taking the time to review past results and strategizing about how to do better this year.

If you don't spend some time brainstorming some new and creative ideas to increase your bottom line, how are you going to rise above last year's results?

Define your three best income streams. Now, daydream a little about what changes or enhancements you can make that will add additional volume to those streams.

Non-profit fund-raising is all about reaching more people with a compelling message that inspires them to take immediate action to assist your organization.

How can you reach more people? By exploiting two things - personal networks and personal motivators.

Your non-profit fund-raising has to be structured to achieve maximum leverage of everyone's self interest by providing sufficient incentives for giving time or money to your cause.

How can you make your message more compelling? By giving it 'story-like' visual imagery that speaks to your supporters emotions.

Decisions are made on an emotional level, not a logical one. A 'story' allows people to visualize their contribution having a positive impact on what they've visualized.

How can you inspire a higher percentage to immediate action? By combining your story with a call to action.

A call to action leverages the immediacy of the emotional reaction to your story with a request to help now BECAUSE their contribution will have a positive impact.

Everyone wants to help. They just have to be properly coached about your situation and motivated to act now.

Non-Profit Fundraising - PLAN SMART
Planning smart means taking concrete action to put your ideas into an annual business plan. Yes, I did say 'business plan.'

No self-respecting, non-profit fund-raising organization should be without a written business plan to guide their fundraising efforts.

Your plan should spell out roles and goals along with detailed instructions on how you'll get there. It should be grounded in the past and targeted at the future.

Each non-profit fund-raising activity should be broken down into the necessary action steps that will produce the highest level of results with the most cost-effective effort.

Everyone should know exactly what's expected of them. A well-organized team where everyone understands their role is able to execute their mission flawlessly.

Everyone should know and be able to state your group's value proposition.

If they can't articulate, in two sentences or less, a convincing reason why you are raising funds, then you need a plan that helps communicate your message more effectively.

Non-Profit Fundraising - WORK SMART
Working smart means taking your plan and putting it into action with an eye towards getting the most bottom line results from every facet of your organization.

You'll get the best long-term results if you stay focused on not overburdening your volunteers, your supporters, and your leadership. Overworking volunteers will ensure that many will not be around to help next year.

Too many demands for small donations will alienate your group's supporters. Structure your non-profit fund-raising requests to two or three campaigns in a year's time, no more.

Size those non-profit fund-raising campaigns to get the most from each time your supporters are asked to make a contribution.

Continuous fundraising will wear out your leadership as well. Your key personnel will be spending most of their time on organizing and conducting campaigns.

You want to keep everyone fresh and motivated. Do that by having a well thought out plan that maximizes the value of everyone's time, energy, and contributions.

Non-Profit Fundraising - BE SMART
Being smart means taking the time NOW to begin a 'Get Smart' effort about your non-profit fund-raising efforts.

Start the brainstorming process now.

Get a small journal and start recording any and all ideas you have, day or night, about improving your fundraising. Some of them will be duds, but others will be gems.

Sure, the gems will be rough and will need polishing, but you won't have any gems at all if you don't let your creative juices run wild.

Just write them down as they occur to you and keep adding to the ones that make the most sense in the light of day.

Hey, if it worked for Edison and Einstein, it can work for you.

Start writing down all the ways that you can think of to create multiple streams of income for your organization.

Get your non-profit fund-raising planned and organized, then watch the money flow in.

2 # Tips Fundraising Fundamentals

2015-05-09T03:02:00.001-07:00

Fundraising Fundamentals

Successful fundraising requires following certain fundamental steps. Here are two things you have to do with every fundraiser:

1) Increase community awareness of your need

2) Increase community awareness of your offering

Everybody reading this instantly thinks, "Yep, we've got that covered. Everybody in our group knows what we're doing."

Let's take a closer look and see, shall we?

Creating Awareness Of Your Fundraising Need:
1) Can your need be expressed in a single sentence?
2) Has everyone in your group memorized that sentence?
3) Is expressing your need a part of your approach to all supporters?

Test your group from top to bottom.

Randomly ask individuals to tell you why your group is raising money.

I absolutely guarantee you that you'll be surprised at how weak the various answers are.

In many groups, more than 50% of those involved with the fundraiser will not be able to tell you in a single sentence the specific reasons why they are raising money.

What about outside your group?

Can you honestly say that you've exhausted every possible approach in getting the word out to the community about your fundraiser?

Does everybody know why you need money?

Have you done each of these?

Flyers
Posters
Press release
Roadside signs
Newspaper coverage
Public service radio announcements
Pre-kickoff letter, postcard, or email campaigns

Or, are you assuming that all you have to do is tell someone that you're doing a fundraiser and that they'll be glad to help?

Two problems with that approach. One is that most of your group can't effectively communicate your need.

The second is that you are already assuming that your group has more than enough prospective supporters to meet your goal.

Both these problems limit your potential results.

Consider these three points:

One, if your need isn't communicated clearly and concisely, it will not be understood and internalized as a deserving cause by your prospective supporters.

Two, if your sellers don't really understand your group's need, then they won't push as hard to meet that need.

Three, if your need isn't general knowledge in your community, then your fundraising job will be that much harder.

Think of "getting the word out" as being similar to softening up the beachhead during the Normandy invasion. If you don't do the advance prep work, you're much more likely to meet a hostile response.

Creating Awareness Of Your Fundraising Offering
The second fundraising fundamental goes hand-in-hand with creating an awareness of your need.

Creating an awareness of your offering is just as important as telling people why your group needs money.

Your fundraising need and your fundraising offering should be closely linked in all your communications.

At the same time you are getting the word out, you need to make sure the message gets through on exactly what your group is doing to raise funds.

Just as with expressing your need, everyone in your group should be able to sum up your fundraising offering in a single sentence.

That sentence should also reinforce the emotional foundation that is derived from recognition of your need.

So what in the heck does all that mean?

Put simply, if someone believes your need is real and agrees with the value proposition of your offering, they will help you.

And what's your fundraising value proposition?

It's a summation of your offering, combined with a reminder of your need, that's expressed in a way that informs each prospective supporter of what's in it for them.

In other words, your prospect needs to:

1 - Be aware of your need
2 - Be linked to it on an emotional level
3 - Be in agreement that your offer has real value in it for them

Getting your need and your offering across to as many potential supporters as possible is the essence of fundraising.

Take the time to develop single sentence statements for your fundraiser covering both of these fundraising fundamentals.

Teach everyone in your group how to communicate these basic value statements when they talk to prospective supporters.

Conclusion

Executing well on these fundraising fundamentals -- communicating your need and communicating your offering -- ensures that your fundraiser will be a smashing success.

5 - Fundraising For Youth Groups

2015-05-09T02:59:00.002-07:00

Fundraising For Youth Groups

Youth Groups are almost always in need of funds. Holding fundraisers to finance important trips like tournaments, museums, and musical events are just some of the needs that have to be met through fundraising. Others include the need for uniforms, sports equipment, art supplies, musical instruments, and more.

There are a lot of different ways your youth group can raise the funds they need. In this article, I will explore some of those with you and try to help you avoid some of the pitfalls. I will let you benefit from my experience and I will help you avoid some of my mistakes.

Let’s start right off with candy. I have tried to use candy as a fundraising tool on more than one occasion for more than one youth group.

Pros and Cons of using candy as a youth group fundraiser.

Pros: Candy is cheap and can be sold for a great profit for your youth group. Everyone likes candy, so it’s a fairly easy sale, especially if you go with name brand candy. The candy is cheap enough that most people have enough money in their pocket to purchase it.

Cons: Candy melts. Trust me on this. Candy melts and when it does, your profits melt with it as you try to clean whatever it melted all over. The members of your youth group eat Candy and when the parents have to pay for all the candy YOU let their child eat, you get phone calls. Trust me on this. You get a lot of phone calls. Candy smells. Trust me on this. Wherever you store the candy will smell like candy forever. Bigger children steal candy from smaller children and again parents end up paying for the candy and you get the phone calls.

Coupon Books are another commonly used Youth Group Fundraiser.

Pros: Some coupon books are filled with free stuff and everyone loves free stuff! Your youth group can raise as much as $10 per coupon book so they need to make less sales to reach their goals.

Cons: Everyone still has last year’s coupon book. None of the coupons have been used. They never have it with them whenever they go somewhere they might have been able to use it for. I have been to a door to sell coupon books and had a guy hand me 7 unused coupon books as his donation. He said if I resold those, I would be able to raise more money than if he just bought one again this year. Coupons expire. They usually have a cost of about $10 to $15 per book, but of course the children in YOUR youth group will never lose any of them and their parents won’t be calling YOU, like with the candy.

Basically, every fundraiser your youth group takes on will come with responsibility and they all have their pros and cons. However, if you look for a product that has the following features, I believe you will have a more successful fundraising opportunity for your youth group.

1. Choose products that do not melt, expire, rot, or otherwise perish.

2. Choose products that do not have a large cost per unit, no matter what the profit.

3. Choose products that everyone uses and will get a lot of uses from. Something they will remember being very useful will get them to continue supporting your youth group.

4. Choose products that do not require a lot of storage space.

5. Choose products that are popular like things with the donor’s favorite major league baseball or football team logo on them.

If you follow those simple rules, your youth group fundraiser will be easy to manage, you won’t end up stuck with a lot of leftover product to store, your storage area won’t smell, you won’t need to clean up messes, and best of all, the parents of your youth group participants won’t be calling you.

Fundraising and the Business of Relationships

2015-05-09T02:57:00.000-07:00

Fundraising and the Business of Relationships

The golden key to effective fundraising is an organizations ability to manage relationships. While some may consider this an oversimplified explanation of a complex non-profit business model, our experience has shown us that this is one of the most overlooked, yet lucrative, elements of our fundraising efforts.

The backbone of any fundraising campaign is the appeal to donors for contributions. The problem many organizations run into during this phase of their fundraising efforts is that they have neglected to keep their donors engaged with their organization since their previous appeal for support. The donor no longer feels engaged by, or attached to, your organization in any meaning way. What distinguishes your organization or non-profit from the next?

We advise all of our clients to develop strong relationships with their donors and supporters. In the non-profit sector, these relationships play a significant role in the success of any given campaign. In some cases, these relationships can make or break an organization. Keep in mind that appeals for support are not always of the monetary type. Organizations of every type need support staff, and your donor list is an ideal place to search for new recruits.

One of the most important elements of fundraising is strategic planning, and your donor list can provide you with a lot of useful information. For instance, a well organized donor list can provide you with information about the types of causes a certain individual tends to support. By studying the types of initiatives an individual supports, you can make relatively educated guesses about their receptiveness to your current efforts. By organizing and tracking this data, you can save your organization valuable time and resources that could be used more effectively in another area.

A number of organizations purchase their donor lists from a third party. While this may be the most convenient solution, it is certainly not the most effective. It is imperative for any organization that is serious about fundraising to develop a proprietary donor list. This is a significant point that is often overlooked. By building your own donor list, you become engaged with the people in your community. These are the people that will support your organization over the long term, and the ones most likely to get involved.

Fundraiser Candles for Your Group

2015-05-09T02:54:00.003-07:00

Fundraiser Candles for Your Group

Looking for a good fundraising idea? Candle sales are easy and profitable. What, exactly, is a candle fundraiser?

Candle fundraisers are your basic order taker fundraiser. You need to do more than just show pictures of candles. Showing fragrant samples will dramatically boost your candle fundraiser's results.

The basic concept is the same as all order taker fundraisers. You equip your sellers with a brochure, an order form, and a basic sales script.

The brochure describes the various candle selections and provides details on color, aroma, size, shape, weight, and container type. Price points are usually on the order form itself.

Unlike candy or cookie dough, it's easy for your sellers to carry samples. Their non-perishable nature makes them a great fit for weeklong sales efforts.

One of the great things about candle fundraisers is how the aroma of your samples makes the selling process so much easier. Most buyers will sniff several samples and imagine how the candles will fill their homes with their pleasant smells.

Perennial favorites are french vanilla, bayberry, apple, pumpkin spice, apple cinnamon, holiday pine, melon burst, and citrus breeze.

Candle sizes range from small two-ounce votive candles all the way up to giant three-pound ball or bell-shaped versions with multiple wicks.

Several fundraising companies have candles in decorative shapes like various fruits, animals, wizards, trees, and figurines. In addition, large rectangles, cylinders, half-rounds, and tapers are always readily available.

Some companies also offer container-based candles which burn more slowly and safely. They also avoid messy cleanup problems. Popular styles are Mason jars, jars with handles, jars with screw tops, and square glass containers.

Profitability
Most fundraising companies offer their candles at a 50% discount. Some suppliers also offer a larger discount for higher volume sales.

The average seller makes five to seven sales. Many of these sales are multi-unit buys, so they average about $80 in revenue. That translates to roughly $40 in profit per seller, which is quite good.

Factors affecting your candle fundraisers profitability include freight charges, quantity discounts, quality of the brochure, number of available candle choices, the motivation level of your sellers, and the duration of your fundraising activities. And of course, the most important factor is having fragrant samples in the hands of your sellers.

This product works well for both elementary school and high school fundraising.

Larger groups can easily earn a quantity discount above 50%. As always, do an RFQ fax quote to the candle supplier list and lock-in your best possible discount up front.

10 - Ways to Put Fun Fundraising Activities

2015-05-09T02:52:00.001-07:00

10 - Ways to Put Fun Fundraising Activities

To get the most out of any fundraiser, every participant needs to give their all from start to finish. This includes your team members, parents, coaches, and other volunteers.

To keep everyone's interest from waning, make sure that you include fun in your fundraiser each step of the way.

Ten ways to put fun in your fundraising:
1- Do fun things
2- Use fun incentives
3- Take pictures
4- Show appreciation
5- Give out fun merchant prizes
6- Build in fun goals
7- Blend fun, food and fundraising
8- Create fun completion activities
9- Say thank you
10- Have a cast party

Do fun things
Don't make it drudgery to be a volunteer or a participant. Remember that they're giving up their free time to help.

Plan fun things to do during each stage of the process that will reward everyone. Not only will it be a more rewarding experience for everyone involved, but you will keep your participants and volunteers eager for the next fundraiser.
And we all know there will be another one sooner rather than later!
Make sure they remember the fun, not just the hard work.

Use fun incentives
Offer a Cream Pie Attack party to all sellers or participants reaching a certain level. Have a fun day where key organizational figures do funny things for meeting goals.

Extreme examples include shaving their heads or dyeing their hair blue.

Some safer, less long-lasting examples could be wearing a funny wig, dressing like a clown, risk the dunking booth, and so on.

Be creative and use an idea that is appropriate to your group.

Kids and adults love these types of incentives and they don't cut into your hard earned cash.

Take fun pictures
Everybody loves to see themselves in a picture. Take plenty of candid shots. Have everybody pose and ham it up for a group photo.

Be sure to post them where everyone can enjoy them. You could even reward your picture posers with prizes for the best smile, the goofiest pose, or the worst dressed.

Ask volunteers to take pictures throughout the fundraising process so there will be a variety of photos and you can be sure that everyone will be included.

If possible, have a "movie" made of your group during each phase of the fundraising process and show the movie at a wrap up event.

Show appreciation
Show your appreciation to all levels of your organization and supporter base. Be sure to do fun things that aren't fundraisers.

For example, line up discounts on tickets to athletic events, go on group outings, provide goodies for volunteers during working sessions.

Give out fun merchant prizes
Work with local merchants for great prizes that mean the most to
your group.

Work deals for movie passes, merchandise discounts, gift certificates, miniature golf, or IMAX theater trips for your top performing participants.

As always, make sure there is something in it for the merchant, otherwise you are just another stranger begging for their money or services.

Build in fun goals
Do an event based solely on having fun. Have key organization members commit to doing crazy things once certain revenue goals are reached, in whatever increments are most appropriate for your group and goals.

Let things build to the climactic moment where the head cheese does the ultimate "fun thing" as a way to reward the group for all their support.

A fond memory in the making is for the coaching staff to stand on their heads and sing "Row, row, row your boat" in rounds.

Blend fun, food and fundraising
Remember that you can blend fun into even the most traditional fundraising events.

Everybody knows what a bake sale is, right? Use a cake walk to sell a large portion of your donated sweets.

Kids love it and you'll get more for the desserts than if you sold them outright. Consider having awards for the various submissions and then auctioning off the best dessert.

Create fun completion activities
These will motivate your sellers and volunteers as much or more as winning actual prizes.

Think about low cost fun events that you could tie to completing certain tasks, for example:

Top sales group gets a water balloon fight, all volunteers play in a Powder Puff touch football game, or an ultimate Frisbee match.

Say thank you
You can't say thank you often enough to your supporters and your participants. Show your appreciation with heartfelt words and deeds.

Have a cast party
Have one for all volunteers at conclusion. Get together at someone's home or in the fellowship hall with everyone bringing potluck.

It's a nice way to build goodwill and reinforce a sense of community for future recruiting.

Conclusion
In remembering the fun in fundraising, be sure that each activity, prize or reward is age and group appropriate.

Also, remember the other volunteers… the parents and other adult volunteers that make it all happen. Be sure they are rewarded directly, even if it is a simple remark of recognition and thanks.

Print simple awards on the computer and present them at your wrap up event. Individualize each one: "The Go-To Guy Award", "The Worker Bee Award", "The Daddy War Bucks Award", and so on.

Remember: Make it fun and everyone will come back for more!

3 - 8 Free Easy Fundraisers tips

2015-05-09T02:49:00.003-07:00

Free Easy Fundraisers

When your youth group needs to raise money quickly, you need a fast free fundraiser that you can rely on to generate the necessary revenue. The amount you make on these free easy fundraisers will depend on how much time you have to prepare and how well you execute your plan.

Here are three time-tested projects to raise some fast cash:

1 - Car Wash
2 - Yard Cleanup
3 - Community Cleanup

Car Wash Fundraiser
Car washes have proven to be great fundraisers in virtually every community. All you need are willing volunteers, a high-traffic location with good visibility, and some attention getting signs. You can put your car wash fundraiser together on short notice.

Here’s what you need to do:

1 - Line up a location with good main road frontage
2 - Ensure it has water access
3 - Assemble supplies list – hoses, buckets, wash towels, dry towels, squeegees
4 - Assign each volunteer an item from the supplies list
5 - Make 8-10 poster board signs in high-contrast colors
6 - Arrange your volunteers in 2-hour shifts
7 - Wash cars for six hours (Saturday preferred)
8 - Have dual lines so you can wash two at once

Your car wash fundraiser’s success will of course depend on the weather. If you can wash 12 cars an hour (one every 10 minutes in each line), you can easily raise more than $500 in one day.

Remember to put together a quick flyer that includes the reason why you’re raising funds and clearly states the price. You can even offer some extra services such as Armor-All tire treatment or interior vacuuming for an additional fee.

Alternatively, you can advertise a free car wash and just ask for donations for your cause. Often, this can raise more cash than stating a specific price, because people will see a group of volunteers working hard and having a good time, and may pay more than you would hav asked.

Keeping safety in mind, be sure to get volunteers to hold and wave signs toward passing traffic, not just volunteers to wash cars. If you have time, advertise your car wash event in the local newspaper, and post signs a day or two in advance.

Yard Cleanup
A yard cleanup fundraiser is extremely fast and easy to put together. Simply create a set of instructions for your group detailing what to offer, what to say, and how much to charge.

Like most fundraisers, the target market is family, friends, and neighbors. Depending on the age of your participants, your offerings can range from simple lawn care all the way up to mulching flower beds or pruning tree limbs. In many climates, autumn is a great time to do this fundraiser, because leaf clearing is always a needed service during those months.

Create a flyer describing your fundraiser and clearly list your prices for the various cleanup options. Assign a fundraising quota to each participant.

Offer some individual and group performance bonuses. There’s nothing like a team pizza party or movie passes to motivate a youth sports group.

Community Cleanup
A community cleanup, also known as a trash bag fundraiser, performs a valuable community service while also providing a significant revenue opportunity. Organizing a community cleanup project is a way to raise funds and send a positive message about your group at the same time.

This type of one day or weekend fundraising event is very similar to the Athlet-A-Thon or Fun-A-Thon concept. Here your group's participants solicit pledges from the usual suspects - family, friends, and neighbors. Have local businesses donate trash bags and recruit parents and relatives with trucks to haul what you collect.

Pledges are tied to a specific attainment goal such as the number of pounds of trash collected or the number of road miles cleaned of debris. You'll need to create a one-page overview of your cleanup program and a pledge signup sheet.

It works best if your overview specifies a suggested range for donations, say anywhere from a penny to a dime a pound for a large project. An amazing amount of garbage can be collected from a local stream or illegal dumping area, so it's not a bad idea to also put a maximum limit on pledge amounts of $20.

Have local businesses donate trash bags. Recruit parents and relatives with trucks to haul what you collect.

Do the math. You'll be surprised at how much money you can generate. Assuming 50 participants, each of whom has five pledges of a penny a pound, if you collect a ton of garbage, your group will raise $100 per participant or $5,000.

That's not bad money for a free fundraiser! You’d be surprised at how easy it is to collect a ton of garbage.

Each of these fundraisers is fast, easy to put together, and a reliable revenue generator for your group. As with any youth group event, an adult should be in attendance at all times for safety purposes. Get started on your free easy fundraisers today!

Fair Trade Fundraisers

2015-05-09T02:47:00.003-07:00

Fair Trade Fundraisers
Organizations everywhere are starting to see the benefits of staging certain types of fundraisers. As you may have discovered through trial-and-error, some fundraisers are simply more successful than others. We all want to raise as much money as we can for our respective organizations, but there are times when we ought to give pause to other considerations.

Coffee fundraisers have been massively successful in the United States and beyond. It should come as no surprise, mind you. Everyone loves coffee, especially really good coffee. It is estimated that over 200 million people in the United States alone drink coffee on a daily basis. At approximately one dollar per cup, you can imagine how staggering the profits can be. Organizations have an excellent opportunity to tap into this market, and to brew up massive revenues for their respective ventures.

The difficult part of doing coffee fundraisers, is convincing people to compromise their morning coffee routines. It may sound absurd, but many people feel very passionately about the coffee they drink. From what I have been told by some of our readers, Canadians are absolutely fanatic about Tim Horton's coffee. The challenge for people involved in fundraising, is to convince people to try something new. We have to appeal to their thoughtful side. It is for charity, after all.

One of our friends has had tremendous success by putting a new twist on the traditional coffee fundraiser. Instead of offering people unimpressive gift boxes of coffee, why not consider selling bags of Fair Trade Coffee? If you are not aware of the Fair Trade movement, you should be. It is essentially an effort to ensure that farmers in developing countries are properly compensated for their labor and their products. The movement also tries to address issues regarding the environmental impact of certain farming practices, as well as local economic sustainability.

There is a significant percentage of the population in America that truly cares about what is happening in the world today. The environmental movement has been going strong for decades now, and people have become both active and aware of the issues that affect citizens in America and beyond. These conditions create a wonderful opportunity for fundraisers, as we can give people an opportunity to support two wonderful causes; the Fair Trade movement and your organization! Let your conscience guide you in your fundraising efforts, and help make trade fair.

Elementary School Fundraisers

2015-05-09T02:46:00.000-07:00

Elementary School Fundraisers

Perhaps nothing matches the enthusiasm and zeal of elementary school children. This carries over to elementary school fundraising events where young students strive to complete every assigned fundraising chore with determination and dedication. Teachers and parents participate and guide the children to ensure their hard work is successful and raises a lot of money.

Candy is a favorite of children, and candy makes a great fundraiser for elementary schools. Gourmet, Hershey, Maredy Candy are a few companies that provide excellent fundraising programs. You can find out more about the companies and the programs on the Internet or by calling the company.

Selling perfumed candles is a traditional way for children to raise school funds and the returns are quite good. Companies offer attractive brochures for customers to browse through and place orders. The company, in turn, gives a percentage back to the school. Avia Candles, Botika Candles, and Christ’s Light Candles are some of the companies who offer a variety of attractive candles for fundraising.

Book fairs and carnivals are excellent ways to raise funds for elementary schools. School carnivals could include game booths, talent shows and bake sales. Sporting events with parent/child participation have also proven to be successful fundraisers for elementary schools.

An important point to remember with any elementary school fundraiser is the children participating need close supervision throughout the event – safety comes first above everything else.

One thing to keep in mind is that if elementary students want to fundraise door to door, a parent or guardian should accompany them.

Easy Ways To Make Money through School Fund Raising

2015-05-09T02:43:00.004-07:00

Easy Ways To Make Money through School Fund Raising

Did you know that school fund raising brings big business to many companies? This is because schools purchase the supplies they need for fund raising in large quantities. The company can easily give a discount because they sell a lot of products at one time. School fund raising is also becoming an important part of school life because it offers schools different ways of fundraising the money they need for the equipment and trips.

Schools are constantly on the lookout for fundraising ideas for their next school fund raiser. They have to be creative to come up with unique ideas so that people will attend the fund raiser and contribute to the cause. Every season of the year brings school fund raising events and some are easier for coming up with fundraising ideas than others.

Halloween, for example, provides schools with fund raising ideas in the form of a haunted house or a costume ball. This type of school fund raiser needs a lot of volunteers and is best for middle schools and high schools. An idea for an elementary school fund raiser for Halloween could include a Halloween party where the children have an opportunity to take part in games where they win prizes.

Quite often school fund raising takes the form of selling items that people need or want to buy. Selling chocolate at Easter, for example, always goes over well as a school fund raiser. Instead of purchasing large amounts of chocolate in hopes it will sell, most schools take orders. The company supplying the chocolate for the fund raiser offers a discounted price along with specials for orders of a certain quantity. They also supply prizes if the school wishes to award prizes for the person who sells the most.

Read-a-thons are a specialty for school fund raising. Parents avidly support this type of school fund raiser as it does promote a school activity while raising funds for other programs. Students really get into this type of fund raiser as they compete with the other classes in the school. The principal sometimes sweetens the pot by offering an incentive for the success of the fund raiser, such as offering to shave his beard or come to school dressed in pyjamas.

School fund raising is a competitive field, and needs some good ideas.

Cookie Dough Fundraisers

2015-05-09T02:41:00.000-07:00

Looking for good school fundraiser? Cookie dough sales are an easy moneymaker. What is a cookie dough fundraiser? The basic concept is the same as all order taker fundraisers. You equip your sellers with a brochure, an order form, and a basic sales script.

Your group does catalog sales of a three-pound tub of cookie dough. Average retail price is $10 per three-pound tub. The dough comes in a wide variety of flavors, including some that are sugar free.

Some suppliers are now offering the dough in pre-sliced packages to further simplify the baking process.

Others are offering it in a dry mix that doesn't need to be refrigerated. All you do is add water, mix by hand, and you have your cookie dough ready for baking.

Profitability
Most fundraising companies offer the three-pound tubs of cookie dough at a 40%-50% discount. Some suppliers also offer a larger four-pond tub for slightly more.

Cookie dough needs to be refrigerated, so this fundraiser requires a little more delivery preparation.  Kids like selling this because it’s something that they enjoy themselves.

The average seller makes ten sales or approximately $100 in revenue. That translates to roughly $50 in profit per seller, which is quite good.

Factors affecting your cookie dough fundraiser profitability include freight charges, quantity discounts, quality of the brochure, number of available cookie dough choices, and the need to keep the dough refrigerated.

This product works well for both elementary school and high school fundraising.

Larger groups can easily earn a quantity discount above 50%. As always, do an RFQ fax quote to the supplier list and get your best possible discount up front.

Sales Tips
Here's what they need to do to sell:

1 - Smile, use their name in greeting, and introduce yourself
2 - Use the power of "because" (give a reason why)
3 - Ask for their help (ask for the order)
4 - Make eye contact and suggest a favorite

Example sales script: (Keep it short & sweet)

Hi, Mrs. Johnson! (Smile & make eye contact)

I'm Jimmy Roberts from down the street. (Hand over sales flyer with large bold print)

Our school is doing a cookie dough fundraiser because we need new computers.

Can you help us out with a $10 contribution? That gets you a three-pound tub of cookie dough. My favorite is the chocolate chip, but peanut butter is real popular too!

(Pause and wait for a response)

The important points are to smile, use a sales flyer, use the word because, ask for their help, and suggest an order size, then wait for a response.

Each prospect has a potential dollar value to your organization. Don't waste prospects by not being prepared. Make sure all your sellers know what to say and how to say it.

Cheerleader Fundraising

2015-05-09T02:39:00.001-07:00

Cheerleader Fundraising

Cheerleading fundraisers are the ultimate in small group fundraising. Cheerleaders possess boundless energy, determination, and loads of contacts (for potential supporters).

Harnessing all this energy and enthusiasm can be a challenge,but having the right cheerleading fundraiser is a great start. You want to leverage their skills by giving them an exciting fundraising product to sell.

So, what cheerleading fundraising ideas will generate excitement?

In this article, we'll consider three types of cheer fundraisers. Each involves doing something a little different, each of them are easy to do, and each fundraiser packs a profit punch.

Cheer Fundraiser #1
One unique approach for a cheerleading fundraiser is offering custom posters of school sports teams or of the cheerleaders themselves.

For instance, feature the team photo of the football team, or use a series of action photos. Each can be turned into a wall-sized poster or a fundraising calendar.

Add some allure to these cheerleading fundraisers by including your game schedule or team slogan printed on it in a contrasting color.

You could also design one to celebrate your championship teams, commemorate your previous titles, intensify a cross-town rivalry, recognize all of your school's sports teams on a spirit poster, or feature the cheerleading squad in action.

Any of these items is sure to be popular with a wide range of students. Local businesses will often buy one to put in their front window. Players will want a souvenir copy suitable for end-of-season autographs. Proud parents and grandparents will want their own keepsake copy.

The posters can be sold easily at pep rallies, sporting events, through the school store, and by the cheerleaders themselves via a merchant table at a high-traffic location on a weekend.

Think of creative ways to design and market your own unique set of cheerleading posters. Consider adding merchant sponsor logos to reduce the cost. You could also cross-promote with another school on a rivalry poster and double the overall market.

Cheer Fundraiser #2
Another idea for cheerleading fundraising is selling customized Holiday Greetings CD's. This is a brochure or order-taker sale of a personalized selection of holiday music favorites.

One of the nice things about this product is that a purchaser selects their ten favorite holiday songs by checking off boxes on a list of thirty classics.

Included in the choices are favorites such as Let It Snow, White Christmas, Jingle Bells, and Have Yourself A Merry Little Christmas.

These are licensed copies of the original recordings by the original artists, assembled on a personalized CD that costs your group a mere $4 each.

A retail price of $10 coupled with the ability for the customer to order a personalized message on each copy, make these a great cheerleading fundraiser.

The CD's are available in six basic designs - Singing Snow Men, Rudolph, Christmas Tree, Peace On Earth, Kwanzaa, and Happy Hanukkah.

There is room for a holiday greeting of up to thirty characters on each design. For example, the Christmas Tree version has the phrase "Merry Christmas" in green and red, with space below it for a "From the XYZ Family" greeting.

Shipments are sorted by salesperson and customer, making your delivery a very simple task indeed.

Cheer Fundraiser #3
A third type of cheerleading fundraiser that creates an air of excitement is selling flowering "airplants."

Airplants, or more properly, Tillandsias, are unique, soil-free plants that absorb nutrients and water through their leaves. All they need is air, water, and light.

Tillandsias are attractive and fascinating members of the pineapple family (Bromeliaceae). Their native habitat is the southern United States, Mexico, and Central and South America.

Bromeliads - Tillandsias - can be placed in anything: rocks, shells, pottery, driftwood, around water fountains, fish tanks, etc. They like bright, indirect lighting, and a heavy spraying or soaking two or three times a week.

They have a growth cycle starting with one plant growing to maturity, then blooming. One to two months after the blooming has finished, new plants form around the base of the "mother" plant. Each will continue growing and reproducing if given the proper care.

A cheerleading fundraiser Airplant package consists of a beautiful example of the Bromeliad family, comfortably ensconced in a natural seashell holder.

Your group pays $3 per Airplant, including the seashell holder, shipping and handling. Each Tillandsia retails for $6, so your cheerleading fundraiser is ensured a good profit margin.

You can organize your sale as a special event or as an add-on to a regular gathering. Set up a table with your sales display and place a colorful Tillandsia poster on the wall behind to let your prospective customers see how beautiful these Airplants are in full bloom.

You can also conduct your cheerleading fundraiser as an order- taker from a sales brochure. Each brochure contains colorful pictures of these exotic, but easy to care for, plants.

Simple text explanations are included describing the simple steps involved in nourishing these fabulous specimens.

Summary
All three of these fundraising products will add some excitement to your next cheerleading fundraiser.

When all the participants are enthusiastic about offering something new and unique, it packs a powerful profit punch.

Heres to making your next cheer fundraiser a resounding success.

Cheers!

Car Wash Fundraiser Ideas

2015-05-09T02:37:00.000-07:00

Car wash fundraisers are a proven money-maker in virtually every community. All you need are willing volunteers, a high-traffic location with good visibility, and some attention getting signs.

You can put a car wash fundraiser together on short notice, but they work best with a little planning. Here's how to get started...

Things To Do List
1- Line up a location with good main road frontage
2- Ensure it has suitable water access
3- Assemble supplies list – hoses, buckets, wash towels, dry towels, squeegees
4- Assign each volunteer an item from the supplies list
5- Make 8-10 poster board signs in high-contrast colors
6- Arrange your volunteers in 2-hour shifts
7- Get advance publicity, if possible

How To List
1- Organize your group into teams - Promotion, Sales, Wash, Dry
2- Promotion team attracts new clients with signs
3- Sales team explains offer (use flyer for quick info) and up-sells clients
4- Wash team soaps, scrubs, and rinses each car
5- Dry team gets water residue off, vacuums, does tires, etc.
6- Have at least two lines so you can wash two or more cars at once
7- Wash cars for six to eight hours (Saturday 9:00 to 3:00 preferred)

Your fundraiser’s success will depend on the weather. If you can wash 12 cars an hour (one every 10 minutes in each line), you can raise $500- $1000 in one day.

Remember to put together a quick flyer that includes the reason why you’re raising funds and clearly states the price. You can even offer some extra services such as providing high-gloss tire treatment or vacuuming interiors for an additional fee.

Car Wash Fundraiser - Success Tips
1- Location, location, location!
2- Sell car wash fundraiser tickets in advance
3- Use a flyer that clearly explaining why you're raising funds
4- List all prices concisely in large, bold type
5- Up-sell to include additional services
6- Partner with another group if your head count is low
7- Increase revenue with an extra offering such as a 2-for-1 pizza savings card

Alternatively, you can advertise a free car wash and just ask for donations for your cause.

Often, this can raise more cash than stating a specific price, because people will see a group of volunteers working hard and having a good time, and may part with their money more easily.

Final Advice
Make sure to keep the event fun for all your participants and your customers. Play upbeat music. Provide soft drinks and snacks to keep the energy level up.

Keep safety in mind. Be sure to get volunteers to hold and wave signs toward passing traffic, not just volunteers to wash cars.

If you have time, get your car wash fundraiser some publicity coverage in the local newspaper, or by posting signs a day or two in advance.

Get the mortgage quote your bank doesn't want you tosee

2015-02-04T17:00:00.000-08:00

Get the mortgage quote your bank doesn't want you tosee
Deciding to consider refinancing of mortgage for home loan is a major determination. Next key issue involved is to find ways to get profitable quotes for mortgage from banks. A thorough research of prevailing market rates is essential to obtain competitive quote from mortgage firms. Being familiar with current trends enables one stand a better chance of bargaining for lower interest charges. Mortgage rates usually increase or decrease in accordance with securities in Wall Street. A careful overview of market trends helps one save considerably on interests.

Comparing different loan schemes from a particular mortgage vendor and also form different vendors would facilitate one to choose the most profitable scheme. Among major tools available in market for evaluating dissimilar loans programs is the Annual Percentage Rate (APR). Laws of the state make it mandatory to expressively disclose APR while marketing their mortgage rates. This is for the benefit of borrower and to prevent them from falling prey to lower advertised rates, and find out if there are any hidden fees and upfront costs involved later.

Personal meeting with lenders, bank officials’ and mortgage professionals’ help in getting a competitive interest quote for your loan. Being well prepared with entire documentary evidence in support of your financial situation before meeting the people at bank enhances chances of receiving lower interests. Presenting documents to support your favorable credit history would tempt bank managers to provide you with lucrative mortgage quotes. Papers essential to obtain fast and lucrative loans rates include:

• Verification of employment status and proof of income sources.

• Previous paid credit card bills and other similar statements to show history of genuine payments in past.

• Purchase contract of the house if it is available.

• Bank details such as address of bank and your account numbers are important. Also previous 2-3 months statement of current and savings account are required.

• Tax returns of last two years provide excellent proof of your financial position and hence should always be carried along while visiting the mortgage professional.

• Entire information about other existing debt like car loans, student loans, retail credit cards or furniture loans, if any are required to acquire mortgage deal.

• Presenting any gift vouchers received from relatives and friends would encourage bank managers to have increased faith in your paying capabilities. Such gift letters ensure that money acquired through gifts belongs to the recipient and the recipient does not have any liability on such financial assets.

• Self-employed individuals may present their previous year’s balance sheets and other tax statements.

Another good deal is about initially locking the specific rate of interest at time of proposal that would be charged. The process of loan approval might take some time and during such a time interval there might be fluctuation in rates of interest. Getting mortgage quote fixed at time of application relieves one from falling prey to chances of higher charges being imposed at time of loan approval.
Interest rates charged by bank also depend upon factors as amount of loan required, time period of loan, down payment, discount points, adjustable rates, closing stocks and so on.

1% Mortgage Loans… What's The Catch?

2015-02-04T16:00:00.000-08:00

1% Mortgage Loans… What's The Catch?
While there are several different types of 1% mortgage loans, there are really only two major keys to winning with a 1% mortgage loan.
The first key is to make sure the loan is set up correctly from the beginning.
And the second is to make sure you are using the loan correctly to gain the most benefit.

First, let’s talk about how the loan works. Then we’ll get into how to set the loan up correctly so you can reap the financial rewards these mortgage loans have to offer.

To start with, 1% mortgage loans have payment options. Each month when you get your mortgage statement you will have the option to make a 30 year fixed payment, a 15 year fixed payment, an interest only payment and a minimum payment at 1%.

Although you are given several payment options, you should only select the 1% minimum payment.

Why?

Because if you wanted to make a 30 year fixed, 15 year fixed, or interest only payment, you would be better off getting that type of loan. Typically, these payments are higher with a payment option mortgage loan.

If you select the 1% minimum payment your first benefit will be a significant monthly payment reduction. Your mortgage payment will likely be cut in half. Of course, this is a pretty attractive first benefit for most home owners.

To compound the effectiveness of selecting the 1% minimum payment you should save what you save. For instance, let’s say you refinanced your home with a 1% mortgage loan, paid off all your credit cards, and reduced your monthly payment by $1,000 a month.

Now, if you save that $1,000 a month for yourself instead of giving it to your creditors, you will have $60,000 in cash at the end of five years - And that’s with a zero percent return.

Here’s the second benefit to selecting the 1% minimum payment option:

Tax savings.

If you make an interest only payment your mortgage balance will stay the same. If you make a 1% minimum payment you are actually paying less than interest only. Therefore, you are creating deferred interest which makes your mortgage balance increase each month.

Before you freak out, keep in mind that deferred interest is mortgage interest and is therefore tax deductible.

Let’s say your home is going up in value $2,000 a month. The 1% mortgage loan will allow you to take a small piece of that appreciation, say $500 a month, and turn it into a tax deduction.

So you are taking a small piece of your equity each month and turning it into a tax deduction. If you did not do this, all of your appreciation would be locked up in equity.

Equity is terrific and is certainly one of the many benefits to home ownership. But investing in equity will get you a zero percent return.

No one is going to cut you a check each month for the equity in your home. As a matter of fact, if you wanted to get the equity out of your home you would have to sell your home or get a loan. And you better qualify or you will not be able to get a loan.

So why not take a small piece of your equity each month, turn it into a tax deduction, and at the same time save $1,000 a month for your self? You will still have plenty of equity but with a 1% mortgage loan you will have cash AND equity.

If you do this for any length of time you will come out way further ahead financially than if you did a regular 30 year fixed or an interest only mortgage loan.

By the way, if the deferred interest is a concern, try making bi-weekly payments. Making a bi-weekly payment will reduce, and in some cases eliminate the deferred interest all together. Which means your mortgage balance would not increase.

How to set the loan up correctly:

1) The 1% payment option on these loans is only available for the first five years. But you could actually keep one of these loans for 30 or 40 years. If you select a 40 year loan your monthly payment will be lower but the payment options will not last for five years. The name of the game is to keep the 1% payment for as long as possible. So get a 30 year amortization.

2) The 30 year, 15 year and interest only payments are tied to an index. Select a slower moving index like the MTA (Monthly Treasury Average) instead of a faster moving index like the Libor (London Inter-Bank Offered Rate).

So how can you lose with a 1% mortgage loan?

Answer- depreciation.

If homes in your area are rapidly going down in value, deferred interest could cause you to become upside down in the home.

But if your area is experiencing a 3% to 5% rate of appreciation and you save what you save by making the minimum payment, a 1% mortgage loan can have an incredibly positive impact on your financial future.

For more information about 1% mortgage loans and other mortgage related topics, please visit:

http://Mortgage-Training.Mortgage-Leads-Generator.com

Please feel free to reprint this article as long as the resource box is left intact and all links are hyperlinked.

“The Best Comes With The Lowest” with cheap secured loans

2015-02-04T15:00:00.000-08:00

“The Best Comes With The Lowest” with cheap secured loans
Are you searching a loan that would be relatively cheap? If yes, then your search ends here, as cheap secured loans are specially customized for you.

Cheap secured loans are offered against any collateral. It could be real estate, automobiles or some other valuable assets. Generally, with cheap secured loans, the ranges of borrowed amount are from £3,000 to £75,000. But, in case of greater amount, lenders will check the worth of your collateral. If your collateral has higher value then, lenders will not only be willing to offer higher amount but also a lower interest rate. Even cheap secured loans are available for a comfortable duration of up to 25 years and you can pay off the installments either monthly or quarterly.

Cheap secured loans however are offered at better terms and conditions that suit the borrower’s requirement. The interest rate of cheap secured loans varies from individual to individual. For a regular income earner, a lower monthly loan will help in saving a big sum of money. On the other hand, for a person whose monthly income is not stable, a loan with flexible monthly payments such as overpayments, underpayments or payment holiday will be highly suitable.

Nevertheless, cheap secured loans are obtainable against your valuable collateral. And for that, in case you fail to repay that can put your collateral in danger. So, before applying, you will have to calculate the amount you want to borrow as a loan. Needless to say, should borrow the exact amount, as borrowing a larger amount may become a huge financial burden in future.

Now the question is how can you get a cheap secured loan. It is a bit tough as many lenders offer cheap secured loans to lure people. But in reality, these loans are not at all cheap. Don’t worry. With some effort, you will be able to get a cheap secured loan. First of all, list your requirement- decide the amount you want to borrow, how long would you like the repayment period to be, what amount of monthly installment are you comfortable with.

Next step is choosing lenders. Besides traditional lenders, you can opt for online cheap secured loans. Even, finding an online cheap secured loan is easier- Just a click brings all data within a minute. And last but not the list, comparative judgment of various quotes will help you to get the best deal.

“The best comes with the lowest”- this line is truly applicable for cheap secured loans. Like other secured loans, cheap secured loans provide same facilities at cheap rate. It’s a favorable opportunity that will suit your pocket.

An Overview of Asset Finance and its Various Types

2015-02-04T14:00:00.000-08:00

An Overview of Asset Finance and its Various Types
Asset finance allows companies to collect funds for the purchase of assets they might need to make their businesses run successfully. At times, paying a huge amount of cash at one time for buying assets can be really hard to manage. Moreover it would significantly affect the company's working capital. With asset finance one can raise the capital to buy assets and the money can be returned to the finance company through regular payments over an agreed period of time.

Asset finance can be used for purchasing new and used cars, coaches, light and heavy commercial vehicles, plant machinery and office equipment. With the help of asset finance solutions, you can buy equipment for your business without spending a large sum in one go.

In other words, it saves you from the trouble of arranging a large amount of capital for buying much needed assets.

Major Types of Asset Finance Available in the UK

Hire Purchase

This typical credit facility is readily available where the financier allows the hirer the right to possess and use an asset in return for regular payments. Here, the hirer first finds the asset he wants and negotiates the purchase price with the supplier.

After the hirer pays a deposit of 10-20% to the finance company, he can take the asset directly from the supplier. After a balloon payment is made at the end of the term, the title of the goods is transferred to the hirer.

Lease Purchase

Lease Purchase is often confused as a regular lease. It is similar to a hire purchase agreement with the only difference being that in a Lease Purchase the hirer needs to pay a deposit of 10-15% as a multiple of the repayments. The payment for the remaining balance and interest is done in instalments.

Moreover, a Lease Purchase agreement is based on either a fixed or variable rate. The monthly instalment can be reduced by the inclusion of a balloon.

Contract Hire

In Contract Hire, a rental agreement is made between the supplier and the customer. Here the customer hires the asset for a fixed period of time and after the completion of the period, he returns the asset to the supplying dealer. With contract hire, the customer gets the chance to use the new asset without the risks associated with ownership.

Finance Lease

With finance lease, one can get up to 100% finance for the acquisition of plant equipment required in a business. Here, the ownership of the goods remains with the finance company which rents the goods to the hirer over a predetermined period. Initially, the hirer needs to pay the documentation fee and an initial payment of a multiple of rentals. The remaining cost of the asset is paid back over the agreed time period.

Operating Lease

Here an agreement is made to rent the asset for business purposes for a predetermined period. At the expiry of the agreed lease, the asset is either returned to the financier or an offer to purchase it for a mutually agreed price is made. One major line of difference between an operating lease and a finance lease is that the primary rental period for an operating lease does not cover all the capital costs and the hire charges.

Looking at these various types of asset finance, it would not be tough to choose one for buying expensive equipment without forking out a huge sum of money at one go. But it is essential to understand asset finance and its various types properly before applying for it.

There are many finance companies that can help one to get competitive and tailored asset financial solutions to suit one’s personal and business requirements. It is advisable to take professional help to avoid any sort of complications in the future. One can take help from any reputed asset finance based consulting company to get a better deal for one’s business.

$300 + 10 Minutes a Day = $30,000?!?

2015-02-04T13:00:00.000-08:00

$300 + 10 Minutes a Day = $30,000?!?
We all know the saying, “work smarter, not harder”, but could it actually be possible to work THAT much smarter? Working only minutes a day and replacing, Exceeding your current Income? Don't worry, Its perfectly legal and people are doing it right this very second around the world!

Its FOREX Trading, and what you don't know, could be costing thousands of dollars.

Forex stands for Foreign Currency Exchange Market, commonly referred to as FOREX, FX, and 4X. You may be familiar with the stock market, but there are a few reasons Currency Trading can blow Stock Trading right out of the water!

There are 3 Major reasons why Currency Trading can out preform the stock market any day!

There Is a Very low Investment of only $300 dollars needed to start. This is a lower investment when compared to the investment you would make with stocks, futures, or day trading. Of course you can start with something more than $300, but just start where you are, whatever that is and it will grow.

Forex is the most liquid market in the world so it offers a leverage of up to 100:1. The Stock Market offers 1:1 and and Futures 15:1. This gives your money awesome room to grow and gain even more leverage!

The Forex Market Open 24 hours a day and has a trading volume of almost 2 Trillion dollars a day. This makes the market trend well and technical analysis works pretty well too. You can focus your attention and analysis on one or two pairs of currency instead of the 40,000+ stocks in the Stock Market.

The Forex market is open 24 hours, can be accessed anywhere in the world with an internet connection, and can be the ultimate tool for building wealth. Make money working 10 minutes a day, or a few hours a day. Work day or night, and make money while the market is up or down. The Forex is flexible and can fit around anyones schedule!

Not sure you want to risk that $300? Gain the experience you need by playing around with a free demo account, then when you feel ready open your first account and start building your wealth! What do you have to lose ?

Best Wishes

Maranda Mann

7 Easy Ways To Slash Your Auto Insurance Costs

2015-02-04T12:00:00.000-08:00

7 Easy Ways To Slash Your Auto Insurance Costs
Here's 7 easy ways to get the best possible auto insurance deal.

* Multiple Quotes

Get multiple quotes - use the internet and call a few brokers. It's easy to gather some good comparison quotes.

Remember to get different types of quotes e.g one from a direct-sell insurance company; another from an offline broker who keeps a database of quotes; and a couple from the internet.

Cheapest might not mean best. Will they pay out if you make a claim ? How financially secure ? How reputable ? Check around with family and friends, and look for online reviews.

* Different type of car

Insurance costs vary depending on car type. Obviously, that $100k sports model costs more to insure than your average runabout. If you're planning to buy a new car, check insurance costs before you buy. I once set my heart on a beautiful, high performance, highly tuned Pontiac.

Luckily I checked the auto insurance before I bought it, because I couldn't get insurance. Every broker, every insurance company flat turned me down because I lived in a high car-crime area. So I had to forget the car of my dreams until I moved up-town.

* Age and Value of Car

Maybe you're buying a used car ? Maybe your car saw better days a few years ago, and now values much lower ? So why pay for high-priced auto insurance ? In particular, do you still need fully comprehensive coverage ?

A good rule of thumb multiplies insurance premium by 10, and compares that figure with your car value. So if you're quoted $1000 premium and your car is worth less than $10,000 you may want to think if comprehensive represents good value. If you drop collision and/or comprehensive coverage, you should get big savings.

* Higher deductibles (excess charges)

Most auto insurance companies use deductibles to keep policy cost down. Deductibles, or excess charges, show what you pay before your auto insurance policy kicks in. Try requesting quotes with different levels of deductibles, and see how your quotes vary.

Most internet quote forms contain a box where you can specify preferred level of deductibles. Ask your broker his recommended level. For example, going from $250 to $500 deductible can slash your insurance costs by 20% or more. Go to $1000 and you save a lot of money. But you must pay the deductible if you need to make a claim !

* Multiple Insurances

I guess this might come under the 'Get Multiple Quotes' heading, but it's still worth mentioning separately. You usually get an insurance break if you buy multiple policies with the same insurer.

This might mean multiple vehicles, or homeowner and auto insurance. Either way it's worth asking about multi-policy discounts.

* Low Mileage

More and more people work at home. No more commuting. Fewer business trips. Low mileage on your car. Maybe you do travel to work, but car pool ?

Either way, look for low mileage discounts.

* Good Driving Record

A good driving record always reduces your auto insurance costs. Keep a clean drivers license. Don't speed, don't drive dangerously, and you'll save money (apart from other benefits !)

* Bonus Tip

Okay, I said '7 Ways...', but here's some extra tips. Fit anti-theft devices to your car. Go on an advanced driver training course. Use daytime running lights. If you're a college student away from home, consider adding to parents policy.

This short article covers the things you must consider when shopping for auto insurance. Follow these tips and you'll slash your auto insurance costs.

Candle Fund Raisers Are Highly Profitable For Your Organization

2015-02-04T11:00:00.000-08:00

Candle Fund Raisers Are Highly Profitable For Your Organization
Fund raisers are a great way to raise money for your school, sports team or other type organization. What’s also nice about them is that they are a very sociable way to earn money for a good cause because you’re out there meeting the community. For younger participants, fundraisers can even be an early lesson in sales and marketing.

A very high-profit fundraising item right now is candles which are fun and very easy to sell because of their popularity. Candles are a much better choice than food or over-priced novelty items that tend to generate lower profits. They are a rapidly growing option that is more appealing to the public because they are a non-junk food alternative to fund raisers.

Candle fund raisers can also be very lucrative because they come in so many different varieties of size, color and scents creating a great earning potential. For school fundraiser such as band or sports teams, you can purchase and resell candles in your school’s colors. For any type of organization, especially religious congregations, think about holiday themed candles for those times of the year.

If your group has decided to embark on a candle fund raiser, a plan of action is a very important step for reaching your fund raising goal. You should start by determining the amount of money you want to raise. Next, figure out how many people in your organization are willing to take part in the campaign and then set your deadlines by deciding on when your group is planning to start and stop the fundraiser.

Research the candle manufactures that get involved with fundraisers and supply these types of items for that purpose. You’ll want to start comparison shopping so that you can ensure the most profit. Once you’ve got your partnership in place, the next step would be to determine the ‘new’ sale price of each candle and the number of candles each participant in the fund raiser will need to sell in order to achieve your goal.

Be sure to let everyone involved know what the expectations are and encourage them to use their best selling skills. Also, if you’re using brochures to sell the candles, you’ll want to supply your sellers with everything they’ll need to make meeting your fund raising objective as organized and easy as possible. Give them plenty of order forms and make them aware of shipping and delivery time periods so that they can let their customers know when to expect their items.

By following a few guidelines and setting a fair, but profitable pricing structure, your organization should be well on its way to reaching its fund raising target! Good Luck!

3 Things To Watch Out For With Debt Consolidation Services Online

2015-02-04T10:00:00.000-08:00

Most of us are swamped with bills like credit cards and auto loans, so we're turning to debt consolidation services to help us regain control of our finances. And it's a good idea, since some debt consolidation services can also help you lower your interest rates and monthly payments. But there are some unscrupulous folks out there, and that means you need to watch out for scammers when you're looking for a Debt Consolidation Service online. Here are three warning signs of a disreputable company:

Large, outrageous fees

Some companies charge $100 just for reviewing your account, often disguised as a "credit analysis." Others offer an "educational program" consisting of mostly free forms, letters and information gathered from Internet websites. The cost for this "education"? It can be as high as $1,500! Be wary of any company that pushes for up-front payment before you receive any type of service or materials.

Unbelievable promises

"Your monthly payment will be half of what you're currently paying!" "We'll get your interest rate slashed to zero percent!" "You'll be paying less in just two weeks!" These types of exaggerated promises are designed to lure you in, and they're rarely true. No one can work miracles, and they certainly can't work them in just two weeks. Expect it to take at least a month--and probably longer--before you see the effects of debt consolidation on your finances.

They make first contact

Any company that sends out SPAM, cold calls your home, or sends you junk mail is fishing for a fee. Chances are they only want your money, and once they get it they'll offer very little in terms of services. Most reputable companies will wait for you to contact them.

You can always double check a Debt Counseling Service with the Better Business Bureau to see if any complaints have been filed against the company. You might also consider asking family and friends if they have any experience with the service.

5 Things You Must Do If You Want To Attain Financial Freedom Through Forex Trading

2015-02-04T09:00:00.000-08:00

5 Things You Must Do If You Want To Attain Financial Freedom Through Forex Trading
With the amazing growth of the forex market, you are going to see an astounding amount of traders lose all their money. Unfortunately, they haven't followed the simple steps I have laid out for you. Go through these steps and give yourself the greatest opportunity to achieve your goals.

1. Have Faith In Yourself

To reach the level of elite forex trader, you must trust in yourself and your forex trading education. You must be willing to make all your trading decisions, instead of relying on someone else's thoughts or ability (or lack of). Of course, you will prepare yourself fully before every risking any money.

2. Accept Your Learning Curve

Unless you are a veteran trader, you will lose money trading the Forex market. This is a near certainty. I don't say this to talk you out of trading. In fact, quite the opposite. You will be trading against others that fall to this reality day in and day out. You, however, will not risk a dime until you have learned the skills you need to make money trading the forex.

3. Decide What Type of Trader You Are

There are many ways to trade the forex. They range from very active to very patient. You must decide which style suits you best. The best time to learn this about yourself is while you are trading a demo account. There is no need to allow your learning curve to cost you money.

4. Get Educated

Education is the shortest path to elite forex trading. Regardless of your ultimate goals, you will reach them quicker with a great forex trading education. Take some time to review different options before deciding on who to trust with your forex trading education needs. A forex seminar will help shorten your learning curve drastically.

5. Continue to Get Educated

In order to achieve and retain elite forex trading skills, you must constantly be adding to you knowledge base. Your education should never end. In fact, one of the key points to look for in an elite forex trading course is ongoing education. It's nice to have an ongoing relationship with the person/people helping you to achieve your goals.

What separates an elite forex trader from all others is their desire and ability to be independent. Many traders are willing to follow signals, systems, strategies, or anything else you may call them. By taking this approach, however, these traders are only as good as the people they follow.

An elite forex trader will lead. Their decisions will be calculated and analyzed to near perfection. They will make decisions with no hesitation, and handle the growth of their account in a predetermined, intelligent fashion. Take your trading to their level and you will never look back.

0% APR Credit Cards - Tips & Tricks

2015-02-04T08:00:00.000-08:00

0% APR Credit Cards - Tips & Tricks
Credit cards can be considered to be one of the many basic necessities of the modern world. Credit cards are available nowadays in abundance. One type of credit card specifically is the so-called 0% APR credit card. 0% APR credit cards were introduced in the late 1980’s and to this day has still proven to be one of the most sought-after credit card types available anywhere. As with all credit card types, there are a certain tips and tricks surrounding 0% APR credit cards that all potential card applicants should be made aware of.

With the help of a 0% APR credit card, it means that you need not only pay the outstanding balance; and what more you could even charge up to the limits without having to sustain any monthly interest charges. However, sometimes, one tends to think just how these credit card companies can afford to provide 0% APR credit cards, and make a profit out of it?

Although 0% APR credit cards may not comprise any monthly charges, it is sure to come with annual fees which you are obliged to pay for the privileges of a 0% APR credit card. These annual fees usually run from $15 to $20 or sometimes, even higher. Having a 0% APR credit card doesn’t mean that you can pay your dues whenever and whichever way you intend to. It IS necessary to make your payments on time, or else, you will have to pay for high overdue fees. For each late payment, the 0% APR credit card holder has to pay fees that may range from $20 to $40. With habitual late payments, these meager amounts may accumulate to a hefty total!

It should be remembered that 0% APR credit cards are usually offered for only a stipulated period of time. This credit card interest may hold good for only a fixed period of time, usually ranging from 3 up to 15 months. On the completion of this period, a higher rate of interest may come in vogue, usually 12% or higher. You could easily transfer any existing credit card balances to a new 0% APR credit card to get 0% interest on the transferred balance. In this way, the credit card holder has to pay less interest for a stipulated period of time, and thus get a chance to clear outstanding balances as quickly as possible.

When applying for a 0% APR credit card, it is always better to read the terms and agreements of the credit card. Not to overstate an obvious question, but why should one do so? Simply because many credit cards may come with a default rate wherein late payments not only incur a late payment fee, but it would also include a default rate that will be added to the annual percentage rate. This in turn doubles the figures on the existing balances and on the new purchases made on the card moving forward. Ouch!

One very important point to take into account when applying for a 0% APR credit card is to read all paragraphs of the agreement, otherwise known as the fine print. This is because though it is illegal for a credit card company to hide their fees and charges, it is nonetheless legal for them to mention these points in small print! The 0% APR credit card companies thus usually announce in large and bold print about their 0% APR but hide the facts that this is only for a limited period of time and any extra fees which might be included are done so in very fine print.

Another trick that is up the sleeve of 0% APR credit card companies is to install sky-high APR’s right after the amount of 0% APR balance transfers are paid down. In other words, the money you first pay to the credit card company is applied to the transfer, and any other purchases you make will be charged a high APR. Sometimes, credit card companies may also go to the extent of sending you a different card than the 0% APR credit card you had initially applied for. In this way, you are not allowed the 0% APR but a different card offer with different terms and conditions. The card issuers typically rationalize this behavior based on the card issuer determining that you do not meet the qualifications for a 0% APR credit card. Qualifications for a 0% APR credit card is usually found in the small print of the agreement, and is usually overseen by applicants!

It can thus be seen that though 0% APR credit cards do seem to be rather inviting, there are some loopholes and tricks to their use. As always, it is highly recommended to read the terms and conditions on the card application agreement for the 0% APR credit card, or any type of credit card application, thoroughly in order to avoid any future problems, headaches or financial surprises.

1% Mortgage Loans… What's The Catch?

2015-02-03T14:00:00.000-08:00

1% Mortgage Loans… What's The Catch?
While there are several different types of 1% mortgage loans, there are really only two major keys to winning with a 1% mortgage loan.

The first key is to make sure the loan is set up correctly from the beginning.

And the second is to make sure you are using the loan correctly to gain the most benefit.

First, let’s talk about how the loan works. Then we’ll get into how to set the loan up correctly so you can reap the financial rewards these mortgage loans have to offer.

To start with, 1% mortgage loans have payment options. Each month when you get your mortgage statement you will have the option to make a 30 year fixed payment, a 15 year fixed payment, an interest only payment and a minimum payment at 1%.

Although you are given several payment options, you should only select the 1% minimum payment.

Why?

Because if you wanted to make a 30 year fixed, 15 year fixed, or interest only payment, you would be better off getting that type of loan. Typically, these payments are higher with a payment option mortgage loan.

If you select the 1% minimum payment your first benefit will be a significant monthly payment reduction. Your mortgage payment will likely be cut in half. Of course, this is a pretty attractive first benefit for most home owners.

To compound the effectiveness of selecting the 1% minimum payment you should save what you save. For instance, let’s say you refinanced your home with a 1% mortgage loan, paid off all your credit cards, and reduced your monthly payment by $1,000 a month.

Now, if you save that $1,000 a month for yourself instead of giving it to your creditors, you will have $60,000 in cash at the end of five years - And that’s with a zero percent return.

Here’s the second benefit to selecting the 1% minimum payment option:

Tax savings.

If you make an interest only payment your mortgage balance will stay the same. If you make a 1% minimum payment you are actually paying less than interest only. Therefore, you are creating deferred interest which makes your mortgage balance increase each month.

Before you freak out, keep in mind that deferred interest is mortgage interest and is therefore tax deductible.

Let’s say your home is going up in value $2,000 a month. The 1% mortgage loan will allow you to take a small piece of that appreciation, say $500 a month, and turn it into a tax deduction.

So you are taking a small piece of your equity each month and turning it into a tax deduction. If you did not do this, all of your appreciation would be locked up in equity.

Equity is terrific and is certainly one of the many benefits to home ownership. But investing in equity will get you a zero percent return.

No one is going to cut you a check each month for the equity in your home. As a matter of fact, if you wanted to get the equity out of your home you would have to sell your home or get a loan. And you better qualify or you will not be able to get a loan.

So why not take a small piece of your equity each month, turn it into a tax deduction, and at the same time save $1,000 a month for your self? You will still have plenty of equity but with a 1% mortgage loan you will have cash AND equity.

If you do this for any length of time you will come out way further ahead financially than if you did a regular 30 year fixed or an interest only mortgage loan.

By the way, if the deferred interest is a concern, try making bi-weekly payments. Making a bi-weekly payment will reduce, and in some cases eliminate the deferred interest all together. Which means your mortgage balance would not increase.

How to set the loan up correctly:

1) The 1% payment option on these loans is only available for the first five years. But you could actually keep one of these loans for 30 or 40 years. If you select a 40 year loan your monthly payment will be lower but the payment options will not last for five years. The name of the game is to keep the 1% payment for as long as possible. So get a 30 year amortization.

2) The 30 year, 15 year and interest only payments are tied to an index. Select a slower moving index like the MTA (Monthly Treasury Average) instead of a faster moving index like the Libor (London Inter-Bank Offered Rate).

So how can you lose with a 1% mortgage loan?

Answer- depreciation.

If homes in your area are rapidly going down in value, deferred interest could cause you to become upside down in the home.

But if your area is experiencing a 3% to 5% rate of appreciation and you save what you save by making the minimum payment, a 1% mortgage loan can have an incredibly positive impact on your financial future.

For more information about 1% mortgage loans and other mortgage related topics, please visit:

http://Mortgage-Training.Mortgage-Leads-Generator.com

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