Your FrugalityAdvice a trusted source for relevant multiple streams of income Ideas

Real reason that Real Estate properties either increase or decrease

2011-04-07T10:57:00.000-04:00

Real Estate property prices will increase based upon the following reasons:

• Real estate property inventory otherwise known as supply & demand
• Macro economic inflation
• Improved local infrastructure as well as local economic conditions
• Capital improvements to the real estate
• Economic conversion

Real Estate property prices will decrease due to the following reasons:

• Increase in local supply and demand
• Excessive property inventory
• Decline of local neighborhoods
• Bank foreclosures and short sales
• Government control & local, state regulations
• Adverse infrastructure changes

What actions that real estate property owners can control:

• Sellers sense of flexibility and sense of urgency to sell the property
• Absentee ownership of the property
• Owners personal and business financial stability
• Bad/Poor property management
• Proper property maintenance upkeep
• Landlord/Tenant disputes

There is an old saying “You can control,what you can control”. There is no sense in worrying about things that out of your control. The spring real estate market is upon us. Together,we can develop a real estate plan that can turn your real estate dreams into a reality.

Feel free to contact Brian J Cody, real estate agent since 1997 with New World Realty of 178 Park St. North Attleboro, MA 02760,Office (508) 699-0608 to set up an appointment to discuss your real estate needs. Call Brian direct at (508) 954-4248 or you can send an email At BrianJCody138@GMail.

Top Five Rookie mistakes to avoid when purchasing multi family homes

2011-03-02T10:11:00.001-05:00

Mistake#1. Multi family buyers will fail to develop a purchase search plan. The multi family buyer will fail to set search parameters to define their target goals. Professional investors will set criteria goals to build their real estate portfolio. You want to work with your team of professionals who can assist you in defining those goals. You will be working with a professional real estate agent,and a mortgage loan officer. Once a real estate deal is agreed to then you need to work with your legal professional, your insurance professionals,a property home inspector,and a property appraiser.

Mistake#2. Rookie mistake number two is failing to perform an investment property cash flow analysis on each property that they are considering to purchase. You want to ensure that the income cash flow will cover your expenses.

Mistake#3.The rookie investors need to educate themselves via purchasing real estate investment books such as "Mastering Property Management Skills: You're Keys to Positive Cash Flow". This comprehensive books are available for purchase on the author's web site at:
www.BrianJCodyauthor.com as well as on-line at: www.CreateSpace.com/TitleID#3566041.It would a wise decision to take some college courses on property management as well.

Mistake#4.The fourth rookie investors mistakes is failing to set aside enough rental income to cover emergency and routine maintenance repairs. Rookie investors should also set aside a portion of their monthly rental income towards purchasing additional income producing assets. If you have current debt payment obligations such as consumer credit cards or loans, think about applying a portion of your rental income to payoff that negative cash flow debt.

Mistake#5. Rookie investors often fail to define a exit strategy. Many rookie investors fail to plan when to sell their investment properties. Additional mistakes include not taking tax considerations of capital gains or losses. You can contact the author to inquire about 1031 Exchanges a part of your exit strategy.

For first time home buyers,investors, and properties owners located in Massachusetts, or Rhode Island feel free to contact author/professional real estate agent Brian J Cody to schedule an appointment to discuss your real estate needs.

Email Brian J Cody at: BrianJCody138@GMAIL.com Call Brian J Cody to schedule an appointment at (508)954-4248. New World Realty web site is=>
www.newworldrealstate.net.

Keys' to understanding the differance between Capital Improvements and Operating Expenses

2011-02-19T09:34:00.000-05:00

At the time of the writing of this article it is February 2011.We are now in the peak time period for CPA's,and other tax professionals such asHR& Block. This article will provide the reader with the timely and priceless knowledge to save the reader money at tax time.

One of the key's to understanding the differences between what is capital improvement versus what is an operating expenses, is to review the IRS definition of capital improvement. The IRS defines capital improvement
as a capital expense of a property improvement that will add value to your property, prolong its' useful life,or adapt the property to new
uses.

The cost of the improvement must be capitalized, and that capitalize cost will be depreciated. Residential real estate property can be depreciated for a period of 27.5 years from the date that the property was put in service i.e. purchased. The land that the building sits upon however,can not be depreciated.

When your purchase property to be put in use for your residential rental property, the IRS will consider the following depreciation schedule.The properties purchased are either a 5 year,6 year,7 year,9 year,or a 15 year depreciation schedule.

• Computers, copiers, calculators, typewriters and their peripheral equipment can be depreciated for 5 year schedule

• Appliances such as washer and dryer machines, stoves, refrigerators can be depreciated for a 5 year schedule

• Replacing carpeting, purchasing furniture, TV's stereo's to be used in a residential income producing property can be depreciated on a
7 year schedule

• Purchasing automobiles and light trucks for business use has a
5 year depreciation schedule

• Purchasing new furnaces, water pipes, venting can have a
27.5 year depreciation schedule

• Property improvement such as driveway and road improvements, some landscaping such as planting shrubbery, trees, building fences has a
15 year depreciation schedule.

The IRS will provide the residential rental property owner with the opportunity to take advantage of many legitimate deductions and also the crème of the crème depreciation schedules. It is always advisable to seek the advice and guidance of a qualified tax advisor in your area.

The difference between an operating expense and repairs versus a capital improvement is that an operating expense and repair will be able to be deducted during the year that the expense and repair occurred.That expense and repair cannot be depreciated nor does the expense and repair add value to the property.

Some examples of operating expenses and repairs include the following:

• Fixing a small section of the roof of your rental property building

• Having your rental unit carpets cleaned after the tenant moves out

• Cleaning your apartment kitchen, and bathrooms and the entire apartment unit
• Paying for snow plowing, landscaping, and garden maintenance

• Changing the locks of apartment doors, Fixing apartment faucet leaks
• Cleaning the common area's of your apartment building

• Paying common area electric bills, building water and sewer bills

• Property tax for a residential rental property, Property

Insurance bills
• Mortgage interest that you paid during the year on your Mortgage loan

• Condo Fees for condo units

• Advertising cost for filling apartment vacancies

As a property owner you can also receive a $0.50 per mile mileage deduction. You need to write down the automobiles miles in December of the prior year, in this case 2010. You then need to write down the mileage on January 1 of 2011.

For example if you are driving to your apartment building for routine maintenance you can deduct the amount of miles that you have driven.
If you pick up rent deduct those miles. If you are picking up supplies
for your rental property deduct those miles as well. If you are
searching for a new investment property to purchase you can deduct the miles when you do your property drive-by's. Print out a www.yahoo.com map quest for each trip that you take for business use.

For further information feel free to purchase my common sense book
titled "Mastering Property Management Skills:your Keys to positive Cash Flow".This extensive book is now available to order by mail.The purchase price of $20 will cover the shipping cost for United States customers only.Feel free to send your payments to my Pay Pal account
At:B.Cody56frugalinlaw@yahoo.com.If you have additional questions feel free to Email me. The downloadable version of this book will be available soon on my web site: www.BrianJCodyauthor.com as well as www.CreateSpace.com and also www.Amazon.com

Mastering Property Management Skills: Your Keys to Positive Cash Flow

2011-02-12T07:26:00.000-05:00

The keys to successfull real estate property management are education and
research. You need to invest your effort and time to develop your skills
in property cash flow analysis,managing real estate property, and also
tenants.

You can take the iniative of self education by purchasing books and E-books
such as this comprehensive 81 page Education guide. The author Brian J Cody
has over 15 years of experiance as a landlord. He is sharing his creative, powerfull tips, and strategies that can take your property management skills to the next level.

This clever guide will be available soon on the authors web site at
www.Brian J Codyauthor.com and other fine web sites.

I would love to get your feed back on the photo cover of the E-book.

Real Estate investment tips

2011-02-03T07:29:00.000-05:00

When you are considering to invest your hard earned capital into purchasing
residential renatal property, you are taking a risk with that capital. In
exchange for risking your capital your goal is to recieve a expected reliable stream of income. Your other expectation is for your property to
eventually show capital appreciation.

You want to mitigate your investment risks of experiencing either a nagative
cash flow or a lose of capital appreciation. The real estate investment tips
that are provided to you in the rest of this article will guide you into
mitigating thoses risks.

Follow this link to read the rest of this article=> http://bit.ly/fKQYuF

Cash Flow Management the Key to Financial Freedom

2011-02-02T11:12:00.001-05:00

One of the most important keys to building your own financial freedom is controlling your spending. You must also diversify your sources of income and ownership of residential investment real estate properties is a great way to do just that.

There are three differant ways to classify income. First there is earned income. Second there is passive income and the third there is portfolio income.

Our most recent December 2010 unemployment report showed a 9.4% unemployment rate. During 2010 around 14,825,000 fellow American are presently unemployed at the time of this publication.

The unemployment numbers that are a driving force in our country. People are feeling anger, frustration and pain nationwide. The current weekly unemployment check averages around $350. $350 which does not pay a lot of bills, groceries, mortgage or rent payments.

Financial literacy, and income diversification are part of the solution to our national crisis. If you have three sources of income rather than just earned income coming in, then you will not be feeling as much frustration and pain.

Let's use as an example of two person household who has earned income of $40,000 per person. If one of those people lost their job instead of showing $80,000 annual income, your income would be cut in half. This income is called earned income.

Now let's say that couple also owned residential investment property that produced an income stream of $3,800 per month. That would be called passive income.

Let's also say that our couple had a bond, mutual fund, and stock portfolio of say $250,000, that they could withdraw income from. That income would include dividends,interest,and capital gains. The income we are talking about is portfolio income.

Most financial planners believe that as a rule of thumb that your could safely withdraw on average up to 4% of your portfolio balance per year. In our example, that would translate into $10,000 of portfolio income withdraw. That would be a monthly withdraw amount of $833.

Our diversified income would look like this;earned income of $40,000 or $3,333 per month. Passive income of $3,800 per month. A Portfolio income of $833 per month. Your monthly total income would be $7,966 per month.

Let's say that your bills and debt payments total about $3,800 per month. Your passive and portfolio income comes out to $4,633 per month.If one or both of you lost your earned income your passive and portfolio income can cover the bills and debt payment.

Sound advice for your passive income would include setting aside about 0.10% of your monthly income to cover your property maintenance expenses and utility costs. Keep your passive income located in a high yield money market fund.

Also take another 10% of your passive income and use that to purchase other assets and equipment that will produce additional income. For example, use your income to purchase utility income producing stocks or mutual funds. Take advantage of dollar cost averaging to build up a portfolio.

Strive to put the money that you are making now to it's highest and most productive uses. Always' looking towards purchasing assets and equipment that will produce income for you. Purchase assets that will also appreciate in value over time.

Mastering the tenant eviction process

2011-01-22T10:29:00.000-05:00

The purpose of this article is to review the steps of the tenant eviction process and procedure. The eviction process is an adversary process where there are no real winners. Typically the landlord is out of at least 2 or more months of rental payments. The landlord could also face damages to their rental property.

The renters will have to find a new apartment and pay first, last month's rent and security deposit. Renters who are on section 8 housing could also loose that benefit if the tenant is formally evicted. The tenant could also be homeless or be forced to live with family and friends.

The processing of an eviction will depend upon the tenancy relationship that a landlord and tenant have with their apartment lease. There are two types of tenancy leases.

The first type of lease is the tenant at will lease. With this type of lease either the landlord or the tenant can give a formal 30 day written notice to quit to each other. The written notices needs to be received before the next 30 day rental period.A tenant at will provides the most flexibility for both the landlord and the tenant. It does not lock in the parties for a 1 or 2 year lease period.

The other main type of tenancy is the leased tenancy. A leased tenancy will lock in both parties to either a 1 or 2 year type of lease. This article will be focusing primarily upon the residential apartment properties. Commercial leases are different than the residential.

If eviction process is elected by the landlord, then the Massachusetts housing court will have jurisdiction over all areas that relate to residential housing. This includes all contracts, equity matters, apartment evictions, and torts. It is in the Massachusetts housing court that will hear and decide all cases that require a summary process eviction case.

The first step in the process of a summary process eviction case is; a landlord needs to fill out a 14 day Notice to Quit form. The type of apartment lease or a tenant at will lease will determine which 14 day Notice to Quit form.

It is always advisable to seek qualified legal guidance from an attorney who specializes in Landlord/tenant disputes. This advice is for both the landlord and the tenant.

A 14 day notice to quit form is available to purchase from the local legal stationary stores in your area. You can also purchase the form from your local constable office and sheriff offices. In Massachusetts the cost of serving the 14 day notice to quit form from a constable office is
between $30 to $50 per serving. You should contact the local sheriff office to verify their cost and fees to serve a tenant.

Once the tenant has been served that tenant must respond and pay the landlord the full amount of the owed rent within 10 days from being served. If the tenant pays the owed rental amount then this can avoid the eviction process.

If the tenant refuses to pay the owed rent or refuses to respond to the 14 day notice to quit the next step for the landlord will be to have either the constable or sheriff serve a Summon and complaint form to the tenant.

The summons and complaint form will require the tenant to appear in the local housing court to face a formal eviction hearing before the housing court judge.

The housing courts will have available a team of housing court specialist. The housing court specialist will provide many services. They can provide you with procedural advice, along with details regarding landlord/tenant law and issues.

The housing court specialist will also act as mediator between the landlord and the tenant who can offer a binding resolution prior to facing the formal eviction process. The final decision making process is voluntary between the landlord and the tenant.

Once the settlement is agreed to between both parties the housing court judge will formally approve that settlement decision. Once the settlement decision is approved that decision is binding and final.
There is no appealing the mediating settlement that was approved by the housing court judge.

The benefit for both the landlord and the tenant is that you can avoid the arbitrary decision imposed by the housing court judge on both parties. For the tenant there will be no record of an eviction place
on their credit profile. They will have to lose their Section 8 housing voucher.

For the landlord that means less lost money and vacancy time in the apartment. The decisions are binding and there is no appealing the mediated decision.

If you fail to agree to the mediating efforts of the housing court specialist then both parties will have to appear before the housing court judge. Once the housing court judge has reached a formal decision on the eviction there are additional steps that the landlord will have to take.

If the housing court judge rules in favor of the landlord, and the judge grants not stays of execution, then the tenant will have the right to appeal the decision in 10 days. Upon the 11th day the landlord
can request that an execution be served to the tenant.

The local constable/sheriff will execute and serve a 48 hour notice form to the tenant. The constable/Sheriff after the 48 hour period is over will execute the conviction. If,the tenant does not remove their
personable belongings from the apartment and the property building on the day of the execution,then the tenants' possession will have to be stored.

The local constable/sheriff will move the tenants belongings to a licensed storage facility. The landlord will have to pay in advance for the first 3 months of the rental storage unit. The landlord can sue the tenant to recover the cost of storage, lost money for rent. The landlord can also sue the tenant for any damages to the apartment,court cost,legal fees.

To avoid an eviction the tenants should pay their rent on time. The should be respectful of their neighbors rights of the quite enjoyment of their apartment.

Landlord need to ensure that the apartment meets local housing standards. Treat the tenants with professionalism and respect. Ensure that the property is a clean,safe and,quiet building.

Both parties should use the services of the housing court specialist. The mediation process is beneficial to all parties involved. Compromise between the landlord and tenants is always a good result.

For further information about the tenant eviction process go to the web site at => http:www.Mass.Gov/housingcourt

Free guide information to reporting self employment income to the IRS

2011-01-09T10:00:00.000-05:00

Check out the following link to get the absolutly best FREE information guide on reporting self employment income to the IRS. http://bit.ly/gk8mqS
Your comments are appreciated. Feel free to follow me on twitter =>
www.twitter.com/FrugalityAdvice

Property manangers Top creative and effective tenant screening strategies

2011-01-05T11:33:00.000-05:00

My wife and I have been Landlord's for the past 15 years since the 1990's. We have owned a 4family, a 5 family multi family unit as well as a rental condo unit in Florida. The following phenomenal and valuable tips will save you headaches, money, and wasted time with vacant units.

Proper tenant screening strategies are critical to your ability to show a positive property cash flow. We utilize a creative and excellent tenant screening strategy. This strategy is compliant with state and federal fair housing guidelines.

The result of this strategy means that you will enjoy a low vacancy rate while spending less time in the eviction housing court system. When we do receive a phone call from a prospective tenant requesting to show the vacant apartment, we ask the tenant the following questions; Why are you moving? How many people will be living with you? Do you have pets? Are you smokers?

Prior to providing the prospective tenant our property address to set up a showing of the vacant unit,we will inform the tenant of the following statement; "We do strive to provide for our tenants a clean,quiet, safe. family friendly property. Does that sound good to you?" With that in mind we do require from all potential applicants that they go thru a thorough credit history review, criminal background check. We will also require a complete reference check of current and prior employers and landlords. IS THERE ANYTHING THAT WE NEED TO BE AWARE OF?

At this point we do get a lot of prospective tenants that will hang up on us. But in the long run that will save us the headache of potential evections and apartment vacancies'. It is better to have a vacant
unit now than to face an non paying tenant who will be evicted later.

One vital piece of advice is to NEVER EVER rent to family, friends or relatives. That will be a disaster waiting to happen.

When it comes to showing an vacant apartment we have learned a thing or two. We have figured out that if you have 10 prospective tenants who request a showing, you will be lucky to have 4 show up at all.
How do you save your effort and wasted time? Schedule multiple showings at the same time period. If you have an afternoon showing around 1pm schedule as many appointments as possible during that window of time. You can also provide a rental open house on the weekends from say 1-3pm.

When your prospective tenant does show up notice the vehicle that they are driving in. Is the vehicle inspection sticker current? Is the vehicle registered and insured? How clean is the exterior and interior of the vehicle? Is the vehicle properly maintained? These are signs of how responsible your prospective tenant will be. You don't want to have unregistered and uninsured vehicles sitting in your limited parking
space.

If your prospective tenant shows an interest in your property, have that tenant fill out a rental application form while you are with him. Make sure that all prior contact information for employers and landlords
are filled out. Ensure that you have their social security number and DOB.
Request to their drivers license. On your application form include a section that will ask the applicant if they have had a prior rental evection, prior mortgage foreclosure, bankruptcy, criminal/felony convictions. Compare their answers on the application with the results of the credit report and criminal background check.

It would be a good idea to schedule a time with the final prospective tenants to go to their current apartment to see what condition that apartment is in. If possible discreetly talk to their tenant neighbors to see how well they get along.

As a landlord your wear many hats. You need to show excellent people skills in managing your tenants and their expectations. You need to impress upon your tenants that payment of their rental checks on
time should be their first priority.You also need to have a solid understanding of local city, state and federal government regulations. You need to have excellent problem solving skills as well as be a
quick decision maker.Proper tenant screening strategies are critical to your success as a landlord.

Top 10 New Year's Resolutions for Free Lancers

2011-01-02T22:33:00.000-05:00

Resolution 1) Set up a weekly work schedule and stick to it. Plan to write at least 100 articles per year. Plan to write one major quality non-fiction book, and 2 quality E-Books per year.

Resolution 2) Strictly enforce your time management schedule and become better organized.

Resolution 3)Learn to write quality article's, non-fiction book, and E-Books for your own satisfaction. Well written content will find it self, readers by word of mouth. Also, it helps to market those content articles through your distribution partners such as Digg, Del.icio.us, and Stumble Upon.

Resolution 4) Spell check is your friend. Utilize your grammar skills and improve them as needed. Cut down on the use of cliché's and jargon in your article content. Proof read your articles. Read your article out load after you proof read them. As a writer you want to control the material
in your articles. You also want to frame your article by the use of tenses.

Resolution 5) Remember that your readers not only visualize the words in your article content,but readers will listen to your words in their own mind. As a writer you want to find an angle within the niche topic that you have chosen to write about. Ask your self, "What is the point of this
article?" Writing is an evolving process. Your article no matter how well written it is; will not be the final word on the topic of your article.

Resolution 6) Not only should you submit your articles to your on-line distribution partners, You should also take advantage of posting your articles on sites such as www. Face Book.com,www.Linked In.com, and www.Twitter.com. Social media is a form of word of mouth advertising.

Resolution 7) Develop a well planned and thought out, on-line branding strategy for yourself. Your on-line branding strategy should be across the distribution partners and social media for your business as well.

Resolution 8) Plan an analysis and review of your content marketing plan at least quarterly to ensure that your are on track to meet your annual goals.

Resolution 9) Remember to enjoy and have fun. A freelance career provides you both the freedom and the responsibility to ensure that you complete your goals.

Resolution 10) Strive to leave your readers with at least one provocative thought in your content articles, books, and E-Book's. All readers love to receive their relevant information in a narrative format.

The Best business Social networking sites

2010-12-22T11:43:00.000-05:00

The most cost effective way for a business to develop and promote,a strategy of best practices of a social network optimization will be to focus upon the best business social networking sites.

According to a survey done in (Dec 09) by the University of Maryland small business school,the following are the survey results from small business participants;of those surveyed some 75% were focusing upon their own web pages, some 39% were also blogging online content articles about their area of expertise.

Additional survey results showed that 69% of those business owners surveyed were focusing their efforts on building a network utilizing Face book and LinkedIn.Some 54% of business owners were spending time monitoring their online business reputations. Only 16% of those surveyed were focusing ontweeting on the Twitter.com network.

So base upon the results of that survey it is obvious that the top three small business social networks are Face book, Linked In,and of course Twitter.

The following is a brief history of Face book, Linked In, and Twitter.

Face Book was founded in February 2004 by Mark Zuckerberg. It currently has over 500 million members world wide. It is free to join. There are some features in Face book that will cost you money. Review the terms and conditions of Face book.

Linked In was founded in 2003 and opened for business in May 2003. Linked In currently has over 190 million members.It is also free to join. Like Face book,Linked In also has features that require paid dues. Again read the terms and conditions of Linked In.

Twitter was founded in July of 2006. It's world wide membership is over 190 million users. See the terms and conditions of joining Twitter. It limits its messages to under 140 characters per message.

Other social network sites to join are the following list;

1) Your local area Chamber of Commerce 2) BNI networks 3) Home base business network 4) Meet the boss 5) Meetup.com 6)The Free Lance Face 7) Partner Up 8) Perfect business 9) Your success Network 10) Sales Spider

As part of your overall marketing strategy for your business you want to incorporate a small Business social network strategy to drive traffic and increase your sales as well as profits.

Your goal for your social networking strategy is to define what you want your potential customers readers to do. Is your goal for social networking to build and drive sales, is it to retain current customers,or is it to build your community relationship as a trust source of accurate knowledge.

Remember that the key to social network optimization is to follow the three golden rules;
A) Great article content B) Great Linking strategy C) A great SEO strategy.

Those golden rules will bring you increased online traffic to your blog as well as web site. Increased online traffic will mean increased sales and revenue.

Secret,effective tips on how to find products to sell on E-Bay

2010-04-27T09:08:00.000-04:00

One of the most common questions that a new member of E-Bay has is what products do I sell on E-Bay? The other follow up question for a new member of E-Bay is where do I find those products to sell?

A product as defined by Roget's super thesaurus is classified as a commodity,goods,artwork,a creation, handiwork,or merchandise. The process of finding out what product to sell on E-Bay is known as market research. The process of finding a source for your products is known as product
sourcing.

Market research will provide you with the ability to know where your profit margins on your products will be. Market research will provide the opportunity to price your products competitively versus your competition.

So where do you begin your market research? On E-Bay you can start with looking at E-Bay pulse. E-Bay pulse will provide you all the most popular items that are for sale. You also want to review the most watched auction section on E-Bay as well. Check out the most popular E-Bay keywords. Don't forget to review the completed auction section of E-Bay. You need to have your E-Bay account set up and you need to be logged in to research that section.

You can also review Pay Pal as well, to see what the most purchased items are. Out side of E-Bay review Amazon.com most sold items. Other research areas to consider include,Google.com and Yahoo.com their most popular searched topics and trends. On Google review Keyword research tool and Google ad sense keywords.

Check out popular forums and review what the most popular questions and problems that keep popping up. Note those problems and questions that you see.Does your market research or product solve those questions and resolve those problems?

After you have completed your market research and product selection, the next step to review is called product sourcing. There are two ways to product source one is your local area, the other is on the internet and finding a wholesale distributorship to help you.

Let's start with the local product sourcing opportunity. You can start right in your own home. Do you have extra items that you don't use, such as books, clothing, newspapers, magazines, old records, antiques. Research those items on E-Bay under the completed listing category, fill out a
E-Bay description of your item, take a good digital photo of your item and list it on E-bay.

Other local sources to find products include going to local garage and yard sales in your area. I would recommend that you set a mileage limit of no more than 30 miles from your home. Unless you want to make a day trip for your self. Bring cash with you and set a limit on how much you want to spend.

Other local product sources to consider include going to local Estate auctions, storage unit auctions,local artist and craft shows,flea markets, antique shows. You can also consider purchasing items at your local dollar stores such as packing and shipping products for a $1 and resell those products on E-bay.

Additional local product sources to consider include your local thrift stores, Goodwill stores, Salvation Army store etc, Whole sale clubs such as Bj's, Costco, and Sams club, purchase 2 for 1 sale items on popular products on sale. Attend local trade shows, factory outlet stores, going out of business sales. Purchase overstock or items that are being liquidating.

Consider also a legitimate wholesale supplier who is a factory authorized dealer.You will need to obtain proper business licenses and a sales tax id to supply those legitimate wholesale dealers. You need to file you business name with your local state.

You also want to consider opening a local bank business account under your business name, after you have been established consider a merchant account business as well.

Another secret tip for increasing your profit margins is called (KISS). Other wise known as keep it small and simple. By keeping your products small and simple you can save yourself on two areas. The first is shipping cost. Smaller items will be lowering your shipping cost and second
your storage cost and space will be lower.

If you want to be successful as an E-Bay seller the process is similar to any other business. Youneed to do your market research, find a suitable product source and keep your business expenses down. Proper market research and product sourcing will help you ensure that you can be competitive in today's business environment.

Social network sites and what they offer

2010-04-19T09:00:00.000-04:00

Social network sites are the hot topic of the day. There are so many social networking sites out there today you can be on line 24 hours a day.
To Read the rest of this article follow the link below=>

http://www.helium.com/items/1808703-social-network-sites-how-do-you-benefit-from-social-network-sites-tips-on-use-social-network-site

How to save money going to Fenway Park baseball game

2010-04-10T09:48:00.001-04:00

I have been a faithful baseball fan since the early 1960's. The cost of "take me out to the ballgame" has sky rocketed to the point where a family of four would have to sacrifice paying a months worth of rental payments on their apartment or a mortgage payment. Let's review the cost of going to Fenway Park in Boston for a baseball game.

According the official Boston Red Sox web site, the ticket prices for a single baseball game will be from $12 per ticket for the upper bleacher seats up to $328 for a dug out box seat. So if the parents of a family of four wanted to take the family out to the ball game your ticket prices would be at a minimum of $48 up to $1,312.

If you drive into the Kenmore square area and seek out parking lot's for your car your cost for parking will be $30 to $50. While you are waiting to go into the baseball shrine of Fenway Park,your kids will want to purchase souvenirs.

Looking at the official web site for the Boston Red Sox, a Boston Red Sox baseball cap is running from $19.99 to $29.99. If you want to purchase a jersey your cost per jersey will be $19.99 up to $39.99. If you want to be hip and wear XLJ sunglasses from Oakley that will cost you $164.99.

So our souvenirs cost will be for a family of four a baseball cap will be up to $119.96, your jersey's will be up to $159.66 and your sunglasses will be $164.99. Your souvenir cost's will be $444.31.

Of course you will need to purchase food and beverages while you are at the game. A sausage will run you around $5.50 and a hot dog will be $3, don't forget your Hamburg $4, beer $5.50. So you can figure to spend around $70 or more.

The cost of "take me out to the ball game for a family of four will be at a minimum around $612.31 to around $1,876.31. So how can you save money going to the baseball game?

Prior to going to Fenway Park, if you are a member of AAA see what discounts on ticket prices you can receive. If you are over 50 and are a member of AARP take advantage of any senior discounts. Some times it pays not to be so vain about your age. If your kids are under 12 take advantage of any kid's discounts. If you are a military veteran check out your local
VA to see what tickets are available for baseball games.

If you are lucky enough to still be employed take advantage of any corporate tickets that are available for free.

If you want to save money on going to a baseball game try this option out. Invite your family and friends over to your home, fire up your grill cook those sausages, hot dogs, and hamburgers. Add a few cold beverages to the mix.

Turn on your 50 inch screen HD TV, with surround sound, tune in the NESN game,listen to Jerry Remy and the Don man in the comfort of your own home.

Profitable article marketing strategies

2010-04-08T10:13:00.000-04:00

One of the first steps in developing a profitable article marketing strategy is to research and define who your target audience will be. You need to discover what your target audience needs, problems and wants are.

Discover your target audience top10 problems that they are facing and write your article around those top 10 problems.Your goal is to identify the problem for your target audience, highlight those issues in your article. Present ideas, solutions that are practical, sound and effective.

In your article structure your opening paragraph should contain keywords that are relevant to your article topic.In the following paragraphs focus your readers attention to the problems and issues that they want to find a solution to.In the final paragraph you want to summarize your article and
include a link to your blog and web site.You also want to get your reader to take an action step.

Prior to writing your article you want to focus on relevant keywords that relate to your market niche. A free keyword resource tool for you to utilize is http://www.Google.com/ Keyword research tool,
http://www.Wordtracker.com, and to ensure proper key word density within your article go to the following web site; http://www.DupeFreePro.com

During your research phase also review the most popular articles related to your market niche in the Ezine sites of your choice.Review the titles and the keywords in those titles. Review the article text,resource box, authors bio box,and link's within those articles.

Once your article is researched and written what is the next step in the article marketing process. You want to submit your article to your blog and web site.You also want to submit your articleto article directories lists, announcement lists, Ezine sites.You also should write a press release on the internet and in your local community.

Other profitable article marketing strategies include submitting your article on the social network sites. Consider the following sites; http://www.Twitter.com/FrugalityAdvice,http://www.Facebook.com, http://www.Linkedin.com, and http://www.Diggit.com

As a author or business you need to develop a profile on the social network site http://www.Linkedin.com and on http://www.Facebook.com. On Face book you should build a fan page and join groups that are related to your market niche in both Face book and Linked In.

So what is the formula for a profitable article marketing strategy? Your goal should be to increase your blog and website visibility on the internet community.

Your want to build your personal and company brands internet reputation by providing well written,quality article that will identify and solve your readers needs and problems. You will build you reputation as an expert in your industry by writing those quality relevant articles.

Building your brands credibility will bring an increase of online internet traffic to your blog and website.The increase of traffic to your blog and web site will result in an increase in your products sales. An increase in sales of your products and services will result in a positive cash flow for your business.

To summarize this article on how to develop a profitable article marketing strategy you want to follow the following steps;

1)Research your target audience. Discover what their needs, problems,and wants are.

2) Write your articles topics that will address your target audience needs and problems of your market niche.

3) Research keywords that are related to your market niche.In your article structure sprinkle keywords in your title. article body, resource box and authors biography box.Include links in your article.

4)Structure your article so that the first paragraph contains related keywords to your article topic. Identify your target audience problems in the following paragraphs.Present ideas and solutions to those problems and needs. In your final paragraph summarize your article and the ideas and solutions that will solve your readers problems.

5) Submit your article to your blog and web site.

6)Submit your article to article directories,announcement lists,article Enzine sites of your choice.

7)Submit your article to social network sites.

8)Submit your article to local newspapers,magazines and trade journals.

9) Structure your time management strategy

10) Feel free to read all my articles on my blog @=> http://BCodyFrugalityAdvice.blogspot.com
Follow me on twitter @=> http://www.Twitter.com/FrugalityAdvice
View my website @=> http://www.BrianJCodyauthor.com

Frugality's Advice Tip's How to spot Spring shopping bargains?

2010-04-02T07:22:00.000-04:00

Frugality Advice recommends that when you find that need to shop, tie your shopping spree to the retail business seasonal sales cycle to save the maximum amount of cash. April showers will bring May flowers as well as the following frugal Spring shopping bargains.

Do you have a sweet tooth and love candy? The Easter bunny is coming soon. The best time to purchasecandy products is after the major holiday's such as Easter, Halloween, Valentine day. If you what to purchase your candy with a store sale combine with manufactures coupons you can optimize your savings.

Cookware should be purchased during the month's of April and May. The reason being is two fold. The peak wedding season period is between May to October. Cookware makes a perfect gift for newlyweds. College graduates typically hold graduation ceremonies during May or June. If you are lucky
your college graduate will be getting their own apartment and are in need of cookware.

On the other side of healthy eating habits knowing when to purchase fresh vegetables and fruits in season can save you money and you can enjoy the benefits of eating fresh fruits and vegetables. The following is a
list of fresh Spring fruits; Apricots, Mango, Pineapple, and strawberries. Here are your fresh Spring vegetables; Artichoke, Asparagus, Avocado, Carrots, Collards, Rhubarb, Spinach, Sugar snap Peas, Snow Peas, and Onions.

Many grocery stores start their sales from Wednesday through Tuesday. If you combine your manufactures coupons, with grocery store sales, and double & triple coupon days you can optimize your savings when it comes to your grocery bills.

Frugality's Advice frugal meal planning tip;Plan your meals around sales items. When you plan your dinners skip eating meat at least one day a week. Tuna fish is a great source of protein, low in calories,high in vitamins, low % of fat, and helps lower your cholesterol.Other good sources of cheap protein are Peanut butter, egg beaters, beans, and rice dishes. By skipping eating meat at least once a week you will be
helping yourself and also the environment by lowering your carbon foot print.

Before you go on your shopping trips, make sure you fill your car up with gas on Wednesday mornings. Wednesday is typically the lowest price during the week due to supply and demand. Gas prices will typically rise on the weekends when the demand for gas is higher due to heavy traffic volume.

Frugality's Advice Gas saving tip; Keep your tires properly inflated according to your auto spec's. Change your air filter on a regular basis again according to your auto specifications. Combine your errands and shopping trips to save money on gas.

Many Japanese companies have their fiscal year ending in March. Why should you care about that? Most of the appliances, DVD's, electronics, stereos, TV's are manufactured by Japanese companies. So their business sales cycle for bargain deals are in April and May. Of course other key sales dates are Black Friday after Thanksgiving, cyber Monday.

Other bargain Spring shopping deals include purchasing Office furniture and supplies. The reason for this is new small business start up either in January or after April 15 tax deadline. You can get some
significant cash savings by using manufacture's coupons combined with office sales. Don't be afraid to negotiate for further price savings. The worst that will happen is that you will hear the word NO.

For household goods your Spring shopping bargains are the following; Of course furniture stores all ways have sales around Memorial day weekend, Vacuum cleaners go on sale during the month of April and May
because those companies are clearing out old models for the newer models. The same sales process of clearing out old models for new models also affects the box spring and mattress dealers.

So as you can see from reading this article on Frugality's Advice tips for finding Spring bargains, you can save a significant amount of cash if you know and understand the business product's and sale cycle.

How Stopping these 6 Habits can save your Life & Money

2010-03-23T14:20:00.001-04:00

What is the Roget's super Thesaurus dictionary, definition of a Habit? A habit can be defined as a routine, practice, tendency, convention, way, rut, pattern, mode, a proclivity, a manner, or mannerism or an inclination.

Habitual can be defined as a established, customary, routine, that can be everyday routine that falls within your comfort level. A habitual habit is a persistent, ingrained harmful activity that many of us pursue in our daily lives.

What is one of the top hardest habits to break? Of course it is smoking. A smoker who has developed a habit of smoking 2 pack's a day will be facing the following economic impact;In a recent phone call to the
local Cumberland Farms store a pack of cigarettes is around $6.88 per pack.

The annual cost of this bad habit will be the following $5,022.40. That cost does not factor in the health care cost from the effects of smoking, or the rise of the insurance premiums from tobacco's related diseases.

Another bad habit can be daily, or weekly binge drinking. If you bought a 30 pack of Budweiser once a week that annual cost for you would be around $987.48 based on a pack of Budweiser that was sold for $18.99.

Going hand in had with drinking and smoking is the daily trip to that Cumberland Farms or 7/11 store for your daily scratch tickets. For many people this is their idea of financial planning.

I have on several occasions customers who will spend their weekly pay check it seems like scratching away at those tickets. Many of the state's lottery agencies will have $1, $2, $5, $10, $20 or higher scratch
tickets that are sold to customers daily.

So the minimum daily cost for purchasing lottery tickets are for $1 the annual figure would be $365. For a $2 ticket the annual cost is $730, a $5 daily scratch ticket annual figure is $1,825, a daily $10 annual
figure is $3,650, and a daily scratch ticket at $20 is $7,300. Many customer will purchase any combination of these tickets.

In another observation of a bad habit to break is the habit of being the most generous tipper in the area. What I mean be that is I have seen some people who insist on leaving the largest tip possible just to satisfy
their desire to feel important.

For a middle of the road family friendly restaurant chains, like Appleby,TGIF Fridays,Chilli's a popular trend is the 2 meals for $20 or some variation of that idea. Most meals are around $14.99 or so.

Let's review what a typically family of 2 adults with 2 kids would be paying. The bill for the meals alone will be around $49.99,figure in 4 drinks, with no deserts, and maybe an appetizer as well.

The drinks would come to about $14 for the meal and the appetizer's are around $9. So your total bill would be around $72.99 without including tax and tip.

Going out to dinner with the family once a week the annual cost to your family will be around $3,795.48 Let see what the annual cost of tipping will be.

A 10% tip on a $72.99 meal will be $7.29. A 15% tip on that same $72,99 meal would be$10.94 a 20% tip on $72.99 meal will be $14.59

So here are your annual cost for tipping: 10% =$379.08,15%=$568.88, 20%=$758.68

Another habit that is easy to get into and hard to get out of is the fast food diet.Do you remember a video spoof of Burger King a few years ago? The question was "Do you want some Fries with that meal?"

The correct answer to that quest should be NO. Eating one value meal per day is a cost of $6.99 per meal or higher if you are spending for your children, or spouses. The annual cost for the fast food junkie
will be more the $2,551.35.

The 6th habit that you should break will be drinking soda's on a daily basis. Some people will drink at least 3 or more soda's a day in a typical 5 day work week. Let's say that each soda can is $1.50 per
can. That is $4.50 per day. At 52 weeks a year that is $1,170.

So let's summarize are annual spending habits base upon these six bad habits.

□ Daily smoking habit $5,022.40
□ Weekly binge drinking habit $978.48
□ Eating out weekly with family $5,502.22
□ Daily lottery scratch ticket $10,220.00
□ Value meals daily $2,551.25
□ Daily soda habit 3 cans per day $1,170
Annual Total cost of 6 habits $25,444.35

One of the first comments I here from people is, "But it's is the only enjoyment that I have " One of the first statements I hear from people is I don't know where my money goes. Well on adaily basis $69.71 per day goes to those 6 bad habits.

We have the control over how our attitudes, feelings, and spending decisions that we make. If you had the ability to save $69.71 per day what will you do with your savings. Habits are not an easy thing to break. If you can break those 6 habits you can build your path towards financial freedom. Breaking these 6 habits can also save your life and improve your health.

Feel free to read all my articles on my blogs' @=>
http://BCodyFrugalityAdvice.blogspot.com
http://www.Helium.com/users/495068

Feel free to follow me on twitter@=> http://www.twitter.com/FrugalityAdvice

Effective proven methods to market your E-Bay business

2010-03-19T08:57:00.000-04:00

When you begin to think about development of a E-Bay business marketing plan, think about the following questions:

▪ Who are your target customers? Do you know what your target customer spendable income is?
▪ What products do your plan to sell? What problems does your product lines solve for your customers?
▪ What is the hot market in E-Bay and on the internet?
▪ Why would a buyer purchase a product from you versus your competition?
▪ Do you know who is your competition on E-Bay? Know and understand E-Bay power sellers.
▪ What will be the most cost effective means of communicating your E-Bay auctions to your customers?
▪ How will I be able to keep my current customers satisfied and grow my new customer base?

If you are looking to get the most bang for your marketing buck start by filling out your E-Bay "about me" page. The marketing cost to you is $0.00 other than the effort behind having a well thought out and filled
out "about me" page. Your "about me page" can be can be the marketing starting point for your E-Bay business.

Inform your family, friends, colleagues, local chamber of commerce, business network groups both locally and on line. Let everyone you know that what you are doing and what your area of expertise and authoritative
knowledge level is. Consider this as a way to make a personal introduction about yourself to the world.

Cross marketing yourself on line includes putting your E-Bay URL address on your current blog, Face book,Linked In accounts,For example a typical E-Bay URL address would be the following @=>
http://members.Ebay.com/aboutme/A1FrugalityAdvice (Your username here).

Utilize your EBay URL address in you e-mail signatures, in any comments that you make which are relevant to your niche market.Use your E-Bay signature line in when you also post comments on other blogger's
articles, web sites, discussion groups.

Take full advantage of the online social network sites such as http://www.Linkedin.com, http://www.Facebook.com, http://www.Twitter.com/FrugalityAdvice. You can post your E-Bay auction
on those sites. You will be able to gain addition traffic from those social network sites to your auction.

You can also take advantage of E-Bay's affiliate link partner programs. For example sites such as Elance.com, Half.com, and Paypal.com referral programs. Make sure that your E-Bay's URL about me address is linked to your blog's and web sites. You can make referral commissions by signing up with E-Bay's affiliate link partner programs,and you can gain additional traffic to your E-Bay auction.

When a potential customer visits your E-Bay about me page offer a special discount with a tracking code. You can say "Free shipping", or offer 15% off final bid price. Either you can choose to cross promote auction items or you can allow E-Bay to select your cross promotion items.

Other marketing tools include offering your buyers who spend say $100, a gift certificate for family and friends. You can tie your sales and gift certificates to birthday's, holiday's, the seasonal sales, such as
Winter,Spring,Summer and Fall.

When you ship your product include not only your invoice, but also your business card, a brief thank you note for doing business with you. Don't be afraid to ask your buyer for Feedback rating after the transaction is completed. Also ask if there is any thing else that you can do for your buyer? Don't forget to ask for referral business.

You should think about attending local trade shows that are relevant to your market niche. There are two types of trade shows consumer trade shows and business to business trade shows.

Make sure that you bring plenty of business cards, brochures, promotional give a ways, bring gift certificates and trade show specials include a tracking code. Give a free gift certificate in exchange for signing a E-mail address. Include a brief privacy policy statement on your e-mail sign up sheet.

Gather up as main business cards from venders and trade show customers, and follow up with those customers who provided you with those business cards and e-mails. This is a great way for you to gain additional customers and sales.

This informative relevant article about how to market your E-Bay business has address many common questions that new and current E-Bay sellers have. Feel free to leave your comments and suggestions if you think there are marketing areas that you want to address.

Effective, proven, secret strategies of How Linked In can help you Find a Job.

2010-03-11T08:23:00.001-05:00

Linked in is a powerful online social network site.Linked In is a online tool that can help you find that job.

When you start to research the Linked In site as with any other social network site,read the Terms of Service (TOS),and the Frequently asked Questions (FAQ). Review those to sections prior to filling out your profile.

With Linked In you can actively manage your online professional profile. You can have control over your social media network reputation. You can establish your industry certifications,knowledge and skill sets.

You can also enhance your social media network reputation by receiving recommendations from fellow Linked In members.

You want to file out your Linked in profile as completely as possible. Include your skill sets,your blog and web sites, prior education both High School and colleges, military service,and prior jobs that you held. Include your contact information such as email, telephone number.

After you filled out your profile, import your current e-mail contact list from sites such as G-Mail, yahoo.com etc. You can then ask those people to join your Linked In network.

In my particular case reviewing my network statistic tabs, you will see that I have 41 1st connections. My 2nd connections mushrooms to 35,600 Linked In subscribers. My 3rd connections blossoms to 3,631,200 Linked In subscribers.

When you are searching for a job, networking is a vital component of the job search. Most jobs are found within your networking effort. So as you can see Linked in ability to increase your network from your family, friends, local community to a world wide networking opportunity is huge.

When you are logged into Linked In you can go to the tab called connections. Once you havebuilt your current e-mail contact list you can join groups that are related to your profession or interest. Become involved with those Linked In groups and ask members who interest you
to join your network.

You can establish your industry knowledge, and skill set level by several ways with Linked In. You can participate in the Linked In groups and post relevant articles,white papers,discussions. You can look under the section in Linked In titled ask an expert. You can provide accurate,
knowledgeable, relevant answers to those questions.

In Linked in there is a section called the Jobs tab. This is where you can actively search for jobs that are listed in the Linked In network. Within that tab you can search for jobs utilizing keywords,such as job title,or industry related keywords.

In the advanced job search tab you can further define your job search abilities.You can focus on just job title,the company itself,all job functions,the industry,experience level and also the most recent job post.

By combining the advantages of the social network media site of Linked In with your traditionaljob hunting strategies,you can gain a considerable advantage over other job seekers. In today's economy with over 14.9 million other American looking for work, you need all the help you can get. At the time of this writing the average time spent unemployed is 30.2 weeks. We are witnessing 4 in 10 Americans who have been unemployed for at least 27 weeks or longer. Were you aware the employers fill 25% of their job openings with their employee referral programs. For each vacant job you can expect to compete with at least 5 applicants.

Secret effective, proven tips for beginners on Twitter

2010-03-06T08:29:00.000-05:00

People love to communicate with their family, friends, and colleagues over the social media network,E-Mail, and over the phone.Twitter is a social networking site that is a cost effective (it's FREE)communications tool that is simple to use.

Twitter will allow you up to 140 characters to communicate your messages. At the time of this writing of this informative article twitter has 6,330,642 twitter subscribers. It is a fast growing network.

Were you aware that out of the 6,330,643 Twitter subscribers that only 0.92% of those subscribers ever reach a level of 1,000 or more Twitter followers. The fast majority of some 92.4% of Twitter subscribers
actually have less than 100 followers. Some 83.7% Twitter subscribers will send out two "Tweets" on a daily basis. Another interesting statistic is that some 70% of "Tweets" that are RT "Re tweeted" will contain a blog or website URL address. A very powerful way to generate online traffic to your blogs, and web sites.

So the question of the day is;How can a beginning twitter subscriber gain new followers and influence on Twitter? Twitter is a great way to build your own brand name on the internet.

The first steps that a beginning twitter user should undertake is to review the terms of service(TOS)of Twitter. Also review the Frequently asked Questions (FAQ) section of twitter. This will answer many of your questions and give you a feel for how Twitter works.

The second step for a beginning twitter subscriber/user is to carefully pick their user name on twitter and pick their twitter pass word. If you are trying to brand yourself on twitter include your personal name or
company name in your user name title.

The 3rd step for a beginning twitter subscriber/user is to completely fill out your twitter profile. Up load a professional looking photo of your self. This will provide a level of comfort to twitter subscribers who
can match a face to a twitter user name.

In your profile description include your occupation title,and a description filled with the top related Key words in your field. In your profile their is a section where you can type in your URL address for your
blogs' and web site. This will provide additional online traffic to your sites.

After you have set up your profile and are satisfied with that it is time to import your E-Mail list for your contacts. You can then follow your family, friends and colleagues tweets .

You can decide what to focus your tweets on. It can be your hobbies, your job, business, news items, popular topics on Twitter. Review the Twitter trend subjects, also review #FF known as Follow Friday.
You can build lists of topical discussions, key words that interest you, hobbies and games, sports,entertainment, causes, politics.

A good analogy to describe the Twitter experience is the following; Think of the twitter web site as an empty plant pot. You can grow what ever you want from that plant pot.

Your thoughts, and ideas that you tweet and send to your followers is your plant seeds. The individualmessages that you send out to your followers are like the soil that engulfs the plant seed. Your ability
to influence the twitter community and the ability to build your on line brand will depend upon your own efforts.

If you want your plant to grow healthy and vibrant, then you need to positively interact with the Twitter online community. You want to be known as being accurate, effective, knowledgeable,problem solver. If you send out relevant helpful messages you will grow your twitter list and followers.

Your knowledge, and passion will be able to shine through your Tweets and Re Tweets. Just make sure that you are conversing and interacting with the Twitter community in a positive manor.

As a new beginning twitter subscriber your results will be determined by your own efforts. Remember this old saying,80% of your outcome will be determined by 20% of your efforts. So make sure that your efforts stay accurate, effective, and helpful to the Twitter community.

Cost effective, proven Strategies to market yourself on Linked In

2010-03-02T11:04:00.002-05:00

Marketing yourself on http://www.Linkedin.com is a cost effective, proven strategy to brand yourself online. Linked In is the http://www.Facebook.com for the professionals.Linked In will provide
professional not only a local reach, but a nationwide and global reach.

Prior to signing up with Linked In it would be wise for you to review the terms of service (TOS)and also review the (FAQ) Frequently asked Questions area. There is a wealth of good solid information and tips about Linked in.

According to FAQ section in Linked in your profile is your "Public Face". Non Linked In members are able to view your Linked in Profile.What they will view is your name, title, location, and industry. Your Linked In network will also be able to view your Profile.You can set your contact settings to allow who sees what information.There is a section on Linked in where you can see how many times your profile has been viewed.

One of the keys to success in branding and marketing yourself is to fill out your Linked In profile completely. Within in your profile utilize keywords, and long tail keywords strategically to increase your visibility for (SEO) Search engine optimization strategy.In your Linked In profile you can also include your blog's and website URL addresses.

Marketing yourself on Linked In will provide you with a fairly high page rank in http://www.Google.com. Your public profile in Linked in is searchable via your URL address. As an example my URL
address is http://www.Linkedin.com/in/BrianJCodyFreelanceAuthor. You can customize your URL address to include your full name and your occupational title.

Another search engine strategy to increase your visibility is to establish and include your Linked In URL address within your E-Mail signature line. Within your E-Mail signature line you can also
include your blog's and web site URL as well.

A branding, marketing strategy is to participate in the online social media community. You can follow other prominent bloggers,web sites,and write insightful,relevant comments on their blog's. You can also post your comments in forums, Google & Yahoo answers sections, as always
include your URL address within the signature lines.

At http://www.Linkedin.com this site has a section titled LinkedIn answers.You can go to that section and review frequently asked questions within your occupation and industry area. You can also answer those posted questions with accurate, relevant answers. This is a branding and marketing strategy that will build and establish your online reputation as an expert in your chosen field.

Currently across the United States we have some 11.5 million Americans who are unemployed. The average time for these people being unemployed is 30.2 weeks. We have statistics that state that on average you need to send out 17 resumes to land a job interview. So the question becomes how do you improve the odds of your being hired.

By joining Linked In you can broaden your ability to gain access to the job market. Linked In has a jobs directory where business and corporations will post job openings. Your competition will be a lot less than if you were posting on Monster.com.

Prior to applying for a job with a company you can prepare your self for your job interview. Research the company on Linked in. Find out who is the hiring decision maker.Discover who works for your prospective employer. Do you have a connection to anybody at that company?

Find out information about the person who is going to interview you. You can small talk about their family, schools, the company. You can also find out what the company's strategic goal's are for the year. You can research industry trends.

A Linked In branding and marketing strategy is a truly cost effective, proven method to build your online connections and broaden your brand to reach the global market. Linked in can be be viewed as the great equalizer between the small business professional and the big multi national corporations.

Gain control over your Financial Life; Celebrate National Savings week all year round

2010-02-26T11:07:00.000-05:00

This week is one of my personal favorite weeks. It is America's national savings week from February 21 to February 28. The purpose of this articles is to empower the reader with common sense tips on how to effectively save your money.

Money is nothing more than a tool that you the reader must educate your self about. Money is not emotional.Money is not good or evil. It is people who are emotional about their attitudes,feelings, and spending habits.

It is not how much money that you make. It is about your ability to make wise saving and spending decisions about your money. The key to building financial security in a financially insecure world is your ability to control your capability or lack of capability to make wise saving and spending decisions.

The following are effective, yet simple strategies to improve your saving and spending decision process;

1) Monitor and track your bank and credit card monthly statements.

2) Utilize soft wear such as Quicken to categorize your spending habits. Know your fixed costs and variable cost.
3) When you make a purchase with either your check book, debit card from you banks checking account, round the purchase to the next dollar amount. For an example let's say that you filled up your car with gas at an amount of $35.50. In your check book register round that up to $36 and
then transfer that amount of $0.50 into your savings account. Banks such as Bank of Americawill do this for you automatically. Your savings account balance will add up quickly

4) When you are purchasing your weekly groceries, or any items with your debit card, avoid getting cash back. Limit your ATM cash withdraws to once a week and learn to live on that budget.

5) At work pay your self first.If your employer offers a retirement savings account make sure that you contribute to that savings account. If your employer matches your own contributions,make sure that you match up to that % amount.You are receiving free money into your retirement
savings plan.

6) After you have funded your retirement savings plan, strive to pay yourself with an automatic deduction of your after tax money into a money market savings account. Aim for a goal of 10% to 15% to build up your savings.

7) Utilize the income you make now to purchase income producing assets,such as a part time business, bonds,dividend income producing stocks, Treasury inflation protection bonds,gold,silver coins

8) Make your breakfast at home and brown bag your lunch at work. If you eat at McDonalds,or Dunkin doughnuts, your typical breakfast will either be at a minimum $3.05 to $4.99 per meal.If you take $4.99 times 7 days a week that equals $34.93. If you multiple 52 weeks per year
by $34.93 that will equal $1,816.36 per year.

9) On a daily basis take your spare change that you have in your pocket and deposit that change into a coin jar. At the end of the year you can count the coins in that jar and deposit that spare change into a money market savings account. Some people will use that spare change to vacation
spending money, buying Christmas gifts for the family, or purchase an income producing asset. It is wise to look at your coins to see if they are collectable coins for Numismatic coin collectors. For example a Jefferson nickel from 1943P (3over2) at a VF rating is worth $75 while a rating of MS-60 is worth $250.

10) The following tips are for your to look for potentially free found money;

The National Association of unclaimed Property Administrators (NAUPA)
http://www.Unclaimed.org Search for unclaimed assets

Looking for missing assets and money go to Missing money
http://www.missingmoney.com

Looking for unclaimed IRS tax refund checks
http://www.IRS.gov Where is my refund check. the average check amount unclaimed is
$1,148

Looking for unclaimed bank accounts
http://www2.FDIC.gov

Pension Benefit Guaranty Corp. This is where you look for Pension plans that are from companies or corporations that went out of business.
http://www.PGC.gov

Looking for old stock certificates
http://www.Oldcompany.com

You do have the control and power to have a secure financial future in a insecure financial world. Feel free to follow me on twitter@=> http://www.Twitter.com/FrugalityAdvice
Feel free to read my article on line at the following web sites;
http://www.Helium.com/users/495068 and http://www.Bukisa.com/join/46834

Effective, proven Business Internet Marketing strategies; Developing your Social media marketing on the Internet

2010-02-23T16:06:00.000-05:00

For the business/sales professional the need to develop your social media strategy on the internet will be an effective sound strategy, that will increase your bottom line profits. While it can be said that a social media strategy will never replace the traditional off line marketing effort,today's business/sales professional should develop a marketing strategy that will combine both off line traditional approach and marketing on the internet.

As a professional business/sales professional I recommend that you should adapt the marketing on the internet "Hat trick" of the most popular social media sites. Those popular social media sites are; http://www.Facebook.com who have just recently gone over 400 million subscribers,http://www.Linkedin.com,and http://www.Twitter.com, the online micro blogger.

If you fully engage and participate in the social media conversations on those social media sites, you will receive the following benefits;1) The ability to increase your area of expertise and knowledge in your chosen profession,2) You can build a 3rd party source of on line referrals', 3) Build your social capital through marketing on the internet. 4) Increase your closings and sales 5) Increase your 3rd party endorsements of your products problem solving capabilities and service
solutions.

By taking advantage of the marketing on the internet through the social media you can dramatically increase your marketing reach nationally and world wide. You don't have to rely upon your traditional sphere of influence with your family,friends,neighbors, and local community.
Social media is the great equalizer between the small business marketing strategy and the major corporations.

For example on face book you can post your business activities such as new product lines,local reviews from satisfied customers, business milestones that you achieve. For myself,I will post an announcement of new articles that I wrote as part of my article marketing strategy. That
article will be available to my follows who whish to read my articles.

Feel free to view my Face book profile @=>http://www.Facebook.com/brian.j.cody?ref=profile

Feel free to view my profile on LinkedIn@=> http://www.Linkedin.com/in/BrianJCodyFreeLanceAuthor

Feel Free to view my twitter post @=> http//www.Twitter.com/FrugalityAdvice,Feel free to read my articles on my blog site @=>
http://BCodyFrugalityAdvice.blogspot.com

Both Large and small business will benefit by remembering that it is people who will end up making a decision as to whither or not they purchase your product or services. Did you know that some 59% of customers will make a decision about the purchase of a product after research
and asking friends and family on the internet what their experiences were with your products.

A 3rd party endorsement from a trusted family member or friends are worth the weight in gold. Social capital for the small business marketing strategy is a currency that has a greater valuethan gold. By fully developing your online social media strategy you can enhance your ability to take advantage of the social capital for increasing your business profits.

Rather than interrupting your potential customers with that annoying phone call during the dinner period or family time, instead of annoying your potential customers by opening unsolicited E-mail marketing letters, why not combined and engage your customers with a combination of marketing on the internet through social media, and fully utilize permission based E-Mail marketing list to build your profits and sales.

A business/sales professional will still be utilizing a certain amount of traditional off line marketing strategies, combined with the marketing on the internet and permission based building of an E-Mail marketing list your book of business will increase.

Common Sense, practical Ideas to Generate on Line Articles

2010-02-18T11:39:00.001-05:00

Finding inspirational ideas for article content writing that will generate income can be a daunting task for authors. The purpose of this article is to provide authors with a building block of ways to develop their article content ideas.

As an author your goal is to develop and write relevant online content articles that will generate income for you. There are a couple of sources that you can focus your efforts and research upon.

Writing evergreen articles can be the foundation to build your online writing career. What is an evergreen article you ask? An evergreen article is a category and topic that will include a timeless benefit to the reader.

Examples of evergreen articles include; how to build a business, how to write a business plan, How to build and maintain a budget, how to consolidate your debt, how to save more money,How to invest your money. Other evergreen topics include recipes for breakfast,lunch and dinner, health tips, weight loss, self help topics, gardening and home improvement projects.

Other article ideas that you can focus upon are the hot trending topics. Examples of hot trending topics include, natural disasters such as the earth quake in Haiti. Weather related topics, current events, current national politic topics of discussions, political scandals, celebrity scandals, popular books, movies, songs, artist.

So where do you follow those trends on line? Check out the following sites such as http://www.Google.com/trends, http://www.Bing.com, http://www.Yahoo.com/buzz, http://www.Twitter.com/twitter trends.

How do you follow the hot selling products on line? Check out http://www.Ebay.com http://www.Amazon.com, also check out http://www.Paypal.com. View the completed and most popular sold items at those sites.

Popular keywords a key area to focus you attention on. Go to http://www.Google.com/Keyword tool and view keywords. Also check out the http://www.Google.com/Adsense to view what the most expensive keywords are at that site.

To see what the most popular web sites are on the internet go to http://www.Alexa.com View their top popular list.

Seasonal article topics are popular as well. Always write articles about,Fall,Winter,Spring and Summer topics. Holiday articles are popular such as St.Patrick day,President day,Easter,Memorial day,4th of July, Labor day,Thanksgiving,Christmas and New Years.
Speaking of seasonal recurring themes think about things like tax season, baseball season,football,college football,basketball,hockey sports.

Internet topics such as how to write an online article are popular. How to link your articles,blogs, websites, How to drive traffic to your online sites,Search Engine Optimization(SEO). How to increase your profits online.

Now that you have some foundation of ideas for articles that generate income where to put those articles on web sites on the internet. Well one of those online Ezine sites that you can submit your article on is http://www.Helium.com/user/495805

Helium web site has several different way that you can generate income from.You can receive up front payment for submitting your articles. That income is based upon how many writing stars you have. The up front payment will also depend upon which writing channel you choose to write your article about.

Helium will share revenue with writers again based upon page views of your article and the writing channel of your topic. Another source of income for writers is winning writing contest as well as entering in marketplace contest.

You can also create a zone for yourself and earn extra money as well. Helium will allow zones to place Google ad sense on that zone to earn ad revenue. Also Helium will allow you to earn money from affiliate programs with http://www.Amazon.com

To summarize this article you can generate ideas for articles that will generate an income for you the author. If you follow the steps outlined in this article you will increase your online income.

10 Easy, simple steps to increase your Twitter followers & Re-Tweets.

2010-02-11T09:45:00.001-05:00

1) Carefully choose your Twitter profile name. Then build that twitter profile highlighting your business or personal goals. Provide your local community location. If you have a blog or a web site post your URL address in your profile.

2) Utilize a URL shortening service such as www.Bit.ly.com or www.Hootsuite.com This will allow you to maximize your usage of the 140 character limit. These services will also allow you to track the volume of your tweets.

3) Utilize services that will allow you to automatically send out your tweets.

4) Add effective twitter plug ins and widgets to your twitter account.

5) Follow business, organizations, people who interest you. If you find a tweet that has useful information feel free to Re-tweet that post. For example you can re tweet this helpful article by @FrugalityAdvice

6) When you write a tweet try to keep your tweets to around 110 characters. This will leave room for your readers to re-tweet your post.

7) When you sent out your tweets focus on keywords that relate to your subject. Always put a # sign in front of a key word.For example,if you are tweeting about making money, utilize the#make money now so that other people who are following that niche can view your tweet.

8) In your E-Mail signatures include your Twitter profile. This is what I use in my e-mail signatures; Feel free to follow me on Twitter @=> http://www.Twitter.com/FrugalityAdvice.

9) When you post articles, messages on your www.Linkedin.com and www.Facebook.com,accounts always include your twitter profile message. Also include your blog address in my case Feel free to read my articles on my blog @=> http;//BCodyFrugalityAdvice.blogspot.com Also include your web site address as well such as Feel Free to view my web site @ =>
http://www.theCodyPrinciple.com

10) Always spell check your twitter messages before you send them out. Prior to post your messages on the twitter board always stop and review that post. Is that post accurate and professional? Most of all have fun on twitter. Be professional.