Small Business Planning

By Yuri Jagrine

Small business planning no excuses, you need to write it down! Before you condemn me and say hes dead wrong, let me share what I have seen. There are two schools of though about starting a business one is Jump In and the other is What If. Both sides have strong reasons to uphold their opinions but in the end they want the same thing – success – they just take different paths to get there.

Two Schools of Thought

The Jump In crowd say that one of the simplest things that prevents getting started is paralysis by analysis. This concept is that you can dwell over your idea and the details behind it for such a long time that by the time you tell yourself youre ready, youre actually too late because the market has changed, and you have spent so much time and money trying to get to that point. The idea to prevent this paralysis is to just do it just start the business, start acquiring customers, start delivering your product or service, deal with the problems and you will learn the your business by doing.

The entrepreneurs whom Ive dubbed the What If are the people who understand that mistakes are costly. Some mistakes are burdensome when youre bootstrapping the entire operation, others can be so detrimental to the business that they could break it. To prevent these errors, these people want to know what they are getting into and they take the time to look at the market, to look at the future customers, make sure that the basic financial equation [ Revenue (-) Costs = Hey, I can make money off of this(!) ] still holds.

Why You Need One

So you have an awesome idea, right? Great, now all you have to do is go out and do it! Well, thats the same thing as being 14 and saying that you have an awesome idea to start driving and youre going to do it. You can get behind the wheel of the car, you can get the engine running, you know about the gas pedal I mean youve seen everyone else do it, so you pull out on the street and 2 minutes later youre looking at a wrecked car. Sure, youre still alive and the car cost $10k, but dont you think you should at least ask about the rules of the road?

[youtube]http://www.youtube.com/watch?v=JZ-ivckE0uo[/youtube]

Here is why I say you NEED a business plan. No matter how well you think you know what youre doing, you just havent thought it all the way through. A business plan does not have to be elaborate, does not have to be a 40 page color document, it doesnt even have to be a quick 10 pager, Im saying that if you can write it in your head then even that is great. A business plan is taking the time to ask yourself the basic questions about your new operation and coming up with the answers. The answers make up the plan:

1.Executive Summary what is the nature of your business

2.Product/Service Description what are you selling

3.Market Analysis who is buying

4.Management Team who is helping you

5.Operations Strategy how will you deliver

6.Financial Plan and Projections how much money can you make

Different Types

So, why is there so much talk about putting a business plan together and one being better than another? Well a business plan not only allows you to gather your thoughts about your new business, it also serves as a resume to partners and investors. Different levels of investors require different levels of analysis and insight. A financial institution such as a bank may want to see some specifics about sound financial operations; do you know what they want to see? Looking at thousands of business plans is the job of Angel Investors and Venture Capitalist and they may want to know the precise assessment of your customer base; do you know how to calculate it?

There are several ways you can put a plan together and each type of solution comes with its own price tag and those range from free to $10,000. You can look online and see a similar six-part summary that I wrote above (free), you can buy software that walks you through the different parts (about $400), or you can hire an expert or a consultant to write the plan for you..

It costs How Much?

Here is what you should know about the typical three types of business plans that a business plan professional can create charging per page or per hour. A Level 1 Business plan is about 10 pages, costs between $700 and $1,500 and is used to secure a bank loan. A Level 2 plan is from 20 to 30 pages, costs from $2,500 to $5,000 and is intended to capture an angel investor for an investment of up to $1M. The third level of business plan is intended to secure venture capital in the multi-million dollar range and can be from $7,000 to $10,000. If you think that $10,000 is a lot, youre correct, but keep in mind that some plans have been written for up to $100,000but they were used to secure tens of millions of dollars.

There should be no doubt in your head about whether you should have a business plan if you are staring a new business you need one! Make the right decision of how you will write your business plan, who will write it, how much time and money you will spend on the process and for what outcome you are writing it.

Here is to you making it into the small percentage of successful startups!

About the Author: Yuri Jagrine is a Manager at

GoBIGnetwork.com

, an online community for entrepreneurs, small business owners and investors. He helps facilitate startups, business owners, and small business owners obtaining small business services. He can be reached for comment at yjagrine [at]gobignetwork

Source:

isnare.com

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isnare.com/?aid=122519&ca=Business+Management

News briefs:July 12, 2010
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News briefs:July 12, 2010

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Bird Repellent How To Repel?

Bird repellent how to repel?

by

teal smith

Birds are creatures. But some time birds are harmful in some places. So we have to use bird control techniques. Why to use bird repellents? When doing exclusion is certain that you are not trapping birds inside where they may then die. The pigeons are very nice birds but some time they also can be dangerous. The pigeons are different on this case if the chicks of the pigeon are been taken away it will simply move on to another location until the next nesting season. The pigeons create damage in the buildings: dirt on the walls, eaves trough plugging damage to cars and damage to stock in stores and storerooms. Pigeons sing, bob their heads and flutter their wings. Can you resist the cute little things? In cages and in small numbers in trees and forests they re not bothering at all. Bird netting is also very important techniques. Bird netting comes in different sizes. Choosing the correct mesh size is important. You do not want the birds to be able to get into the netted off area and become stuck or trapped. Chemical bird repellent devices include bird taste repelled as well as bird liquid as well as gel. Bird repeller includes bird proof repellent, bird proof liquid repellent as well as bird taste repelled. Bird dropping is the very basic problem with birds. Aside from being unsightly and unhealthy droppings can stop up gutters and down pipes. They can also freeze up ceiling windows and vents as well as rooftop turbine ventilators and siding windows. Bird netting is the best alternate for bird repellent.If you re responsible for an airplane hangar, warehouse or other large area, the bird repellent you want is Bird Netting. You can choose from a variety of net mesh sizes to repel several species of pest birds like pigeons, sparrows. Crows land on edges and protuberances of objects such as buildings, antennas, water tanks, signs and telephone or electricity posts. Nesting Birds are tough to get rid of. Absolute Bird Control gets calls about birds in a garage or barn area often. Again these structures provide perfect shelter. Netting off areas is the best way to get rid of birds. Ideal for a variety of areas in a shopping center, bird spiders are portable bird-control devices that can be readily moved from one location to another. The Spider s long spindly arms waving in the breeze work to scare pest birds away. A very popular exclusionary bird control measure .Bird Netting denies pest bird s access to specific areas like dumpster zones, loading docks and certain rooftop facilities. Calling a pest control professional to help aid with the clean up and installation is your best bet. Bird droppings carry disease and the proper protection is a must.

[youtube]http://www.youtube.com/watch?v=aZ2pREbOyzo[/youtube]

Author is an executive with bird control. For more information on

get rid of birds

on our websites.

Article Source:

ArticleRich.com

Chula Vista, California becomes model for blight control laws in the US
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Chula Vista, California becomes model for blight control laws in the US

Tuesday, October 14, 2008

The San Diego, California suburb of Chula Vista has responded to the recent housing crisis with an aggressive blight control ordinance that compels lenders to maintain the appearance of vacant homes. As foreclosures increase both locally and throughout the United States, the one year old ordinance has become a model for other cities overwhelmed by the problem of abandoned homes that decay into neighborhood eyesores.

Chula Vista city code enforcement manager Doug Leeper told the San Diego Union Tribune that over 300 jurisdictions have contacted his office during the past year with inquiries about the city’s tough local ordinance. Coral Springs, Florida, and California towns Stockton, Santee, Riverside County, and Murietta have all modeled recently enacted anti-blight measures after Chula Vista’s. On Wednesday, 8 October, the Escondido City Council also voted to tighten local measures making lenders more accountable for maintenance of empty homes.

Lenders will respond when it costs them less to maintain the property than to ignore local agency requirements.

Under the Chula Vista ordinance lenders become legally responsible for upkeep as soon as a notice of mortgage default gets filed on a vacant dwelling, before actual ownership of the dwelling returns to the lender. Leeper regards that as “the cutting-edge part of our ordinance”. Chula Vista also requires prompt registration of vacant homes and applies stiff fines as high as US$1000 per day for failure to maintain a property. Since foreclosed properties are subject to frequent resale between mortgage brokers, city officials enforce the fines by sending notices to every name on title documents and placing a lien on the property, which prevents further resale until outstanding fines have been paid. In the year since the ordinance went into effect the city has applied $850,000 in fines and penalties, of which it has collected $200,000 to date. The city has collected an additional $77,000 in registration fees on vacant homes.

Jolie Houston, an attorney in San Jose, believes “Lenders will respond when it costs them less to maintain the property than to ignore local agency requirements.” Traditionally, local governments have resorted to addressing blight problems on abandoned properties with public funds, mowing overgrown lawns and performing other vital functions, then seeking repayment afterward. Chula Vista has moved that responsibility to an upfront obligation upon lenders.

That kind of measure will add additional costs to banks that have been hit really hard already and ultimately the cost will be transferred down to consumers and investors.

As one of the fastest growing cities in the United States during recent years, Chula Vista saw 22.6% growth between 2000 and 2006, which brought the city’s population from 173,556 in the 2000 census to an estimated 212,756, according to the U.S. Census Bureau. Chula Vista placed among the nation’s 20 fastest growing cities in 2004. A large proportion of local homes were purchased during the recent housing boom using creative financing options that purchasers did not understand were beyond their means. Average home prices in San Diego County declined by 25% in the last year, which is the steepest drop on record. Many homeowners in the region currently owe more than their homes are worth and confront rising balloon payment mortgages that they had expected to afford by refinancing new equity that either vanished or never materialized. In August 2008, Chula Vista’s eastern 91913 zip code had the highest home mortgage default rate in the county with 154 filings and 94 foreclosures, an increase of 154% over one year previously. Regionally, the county saw 1,979 foreclosures in August.

Professionals from the real estate and mortgage industries object to Chula Vista’s response to the crisis for the additional burdens it places on their struggling finances. Said San Diego real estate agent Marc Carpenter, “that kind of measure will add additional costs to banks that have been hit really hard already and ultimately the cost will be transferred down to consumers and investors.” Yet city councils in many communities have been under pressure to do something about increasing numbers of vacant properties. Concentrations of abandoned and neglected homes can attract vandals who hasten the decline of struggling neighborhoods. Jolie Houston explained that city officials “can’t fix the lending problem, but they can try to prevent neighborhoods from becoming blighted.”

HAVE YOUR SAY
Does Chula Vista’s solution save neighborhoods or worsen the financial crisis?
Add or view comments

CEO Robert Klein of Safeguard, a property management firm, told the Union Tribune that his industry is having difficulty adapting to the rapidly changing local ordinances. “Every day we discover a new ordinance coming out of somewhere”, he complained. Dustin Hobbs, a spokesman from the California Association of Mortgage Bankers agreed that uneven local ordinances are likely to increase the costs of lending. Hobbs advised that local legislation is unnecessary due to California State Senate Bill 1137, which was recently approved to address blight. Yet according to Houston, the statewide measure falls short because it fails to address upkeep needs during the months between the time when foreclosure begins and when the lender takes title.

eBay removes Canadian town’s listing of sperm whale carcass
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eBay removes Canadian town’s listing of sperm whale carcass

Thursday, May 8, 2014

Citing violations of its policy regarding “Marine mammal items”, eBay terminated an online listing on Monday by the town of Cape St. George, Newfoundland and Labrador, Canada, for a 40 ft (12 m) sperm whale carcass reportedly beached upon its shores about a week prior.

With an initial asking price of 99 cents, bidding for the carcass reportedly rose to C$238.03 within 15 bids. Reports variously state the final price of the whale, prior to the removal of the listing from the auction site on Monday at about 2:30pm, was C$2,025 or C$2,075. Listed in eBay’s “really weird” category, the carcass was considered by eBay to be an example of “items made from marine mammals regardless of when the product was made”, which are prohibited as per site rules.

Following a council meeting on Sunday in the town of 950 residents, Cape St. George’s mayor, Peter Fenwick, put the whale up on the auction site in a bid to have it removed from the town’s premises, citing a lack of cooperation from provincial and federal government officials on the matter. “It’s your problem, you solve it”, Fenwick recounted to The Globe and Mail (TGaM) as the response he received from them. Apart from eBay, Kijiji was also suggested as another avenue by which to sell the carcass.

Fenwick told CTV News, several years prior another sperm whale measuring 15 ft was beached in the area, but disappeared without incident, an act Fenwick attributed to be the work of Fisheries and Oceans Canada. “This time”, he remarked, “the authorities have told us that it’s our whale, it’s our responsibility to get rid of it.”

On putting the carcass for sale, Fenwick remarked, “We knew we had to do something with it and this seemed to be the least expensive way of disposing of it.” In a news release, Fenwick highlighted a possible use for the carcass, particularly its bones. “The 40 foot sperm whale will make a spectacular exhibit once the fat and muscle is removed, and the town is asking museums and other organizations that could use a whale skeleton to contact the town for further details.”

On retaining the whale himself, Fenwick stated, “As a town we would dearly love to keep the whale and put it on exhibit in the town but the cost of such a venture would be hard to justify.” Fenwick told TGaM the whale was “in half decent shape”. “This one looks like it died very recently and hasn’t decomposed much”, which Fenwick suggested elsewhere was due to the whale’s present location, partially submerged in near-freezing water. However, Fenwick noted its close proximity to a residential area, saying homeowners who lived there were “very interested in seeing the whale gone.”

eBay was not the only organization who barred the sale from taking place. “We also got threatened by the federal department of the environment, and told to pull the ad off or they would prosecute us”, said Fenwick on the opposition he said he received from Environment Canada, which viewed the sale as contravening a federal act designed to protect endangered species. “I received a call from the federal department of the environment saying that you’re not allowed to sell any parts of sperm whales, even if they’re dead.” he added. “So I said, ‘Oh that’s very good, I’m glad to hear that, now can you send somebody over here to get rid of it for us?'” Fenwick’s request was met with a negative response from Environment Canada.

“They’ve got to sort it out somehow. The uncertainty means it just sort of sits there and rots.” Once decomposition sets in, Fenwick remarked the carcass would become a “real nuisance”. “I don’t know if you’ve ever seen a whale that’s been rotting on the beach for a couple of months — actually sometimes you can’t see it for the clouds of flies around it — but you can smell it for about a mile”, he added.

On finding alternate means to dispose of the carcass, Wayne Ledwell, a member of Newfoundland’s Whale Release and Strandings, suggested the whale be towed out to a remote area. “They need to do that right away, when they come in and they’re fresh,” said Ledwell. “No one wants to go touch them … everything becomes gooey and slippery and you can’t stand up on the whale and it gets on your boots and you can’t get the smell off and then you go home and the dog rolls in it and you get it in your kitchen and you curse the whales, and you curse the government and … it becomes a mess.” Fenwick said they’d considered the idea, enlisting a local fisherman who, however, judged his engine too small for the job.

Previously, blue whale carcasses washed ashore in the towns of Trout River and Rocky Harbour, located about 150 km further north, and were taken by Royal Ontario Museum for preservation of the skeletons. Fenwick suggested the sperm whale carcass in his town might also meet a similar fate, as the sperm whale’s status as the largest toothed whale might prove to be a drawing attraction for such a facility.

Regarding what he plans to do next with the carcass, Fenwick said “If we’re not allowed to sell it, we’re willing to drop our 99 cent price down to a zero.” He said he hoped some eBay bidder stays interested in the whale. “We’ll be glad to talk to them about giving them the whale. We’re hoping that’s not illegal.” He also said he hoped the publicity from the town’s predicament, which garnered national attention, and its unusual means of finding a solution, would draw in someone interested in taking the whale off his hands at their own expense.

Should the whale fall under new ownership, Fenwick advised it be moved away from the town to a beach devoid of people, and the blubber left as food for seagulls, insects, and other predators. He estimated “It’ll probably take a year or so to get down to the skeleton.” As monetary gain was reportedly not what the town cared about, Fenwick was willing to offer the carcass for free, though one report noted money raised from the listing could have gone towards the building of a skate park.

The listing on eBay, as put up by Fenwick, read:

This 40 foot sperm whale rolled up on the beach last week. The actual seller is the town of Cape St. George which is responsible for disposing of it before it starts to decay. Once the fat and flesh is removed you have a spectacular 40 foot skeleton of the largest toothed whale in the world, great for museums and other attractions. To prevent it rotting in the town it can be towed to isolated beaches on the Port au Port Peninsula to allow the seagulls and other birds to remove the flesh. Call 709-644-2290 or 709-649-7070 for more details.

Please note the successful bidder will have to remove the whale within 30 days

Indian Railways tie up with Bombardier Transportation
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Indian Railways tie up with Bombardier Transportation

Thursday, November 9, 2006

The Indian Railways (IR) has tied up with the Canadian transport solutions major Bombardier Transportation to produce electronic freight locomotives in the country for the proposed Rupee (Rs) 22,000-crore (one crore is 10 million) dedicated freight corridors on the eastern and western routes.

Bombardier produces regional aircraft and business jets to rail transportation equipment.

Bombardier Transportation officials have met Railways’ officials for exploring the option of setting up a greenfield electronic freight locomotive manufacturing facility and an assembling unit in India.

Analysts feels that IR will need at least 500-600 electronic freight locomotives, besides the same number of diesel locomotives for dedicated freight corridors in the first phase. “Conservative estimates for a normal locomotive are between Rs 13 crore and Rs 15 crore. The investment required for manufacturing electronic freight locomotives is around Rs 10,000 crore,” the analysts said.

It is also been learned that IR would also pick up a stake in this project.

Bombardier President, Transportation, Andre Navarri confirmed talks with IR, “We are keen to take part in the dedicated freight corridor project, but the nature of the agreement with the Indian government is yet to be finalized.”

IR will come up with a detailed plan and tenders for the proposed corridor by mid-November.

Classic Jazz Artists: Indubitable Singers

August, 2014 byAlma Abell

It has never been easy to be a jazz singer. This is certainly true of those first men and women who stepped on the stage. These were classic jazz artists but many people chose to forget their contribution and focused overwhelmingly on the band. To some authorities, jazz was the music not the singer. In fact, they questioned the existence of a jazz singer at all. The exception perhaps, being Al Jolson (1886-1950) in his movie “The Jazz Singer,” which took a different and dramatic version of Jazz, Blues and popular music to the movies in 1927.

Big Band Vocalists/Classic Jazz Artists

While Jolson remained the favorite of the American public, he was not the only jazz singer around. Time saw the rise of an entire flotilla of men and women during the Big Band Era which combined with the Swing Era. This was the period from the 1920s to the end of the Second World War. It saw the rise and fall of many major classic jazz artists including:

*Frank Sinatra (1915-1998)*Billie Holiday (1915-1959)*Ella Fitzgerald (1917-1996)*Helen Forrest (1917-1999)*Dean Martin (1917-1995)*Joe Williams (1918-1999)*Anita O’Day (1919-2006)*Nat King Cole (1919-1965)*Peggy Lee (1920-2002)*Kitty Kallen (1922 -)*Sarah Vaughan (1924-1990)*Doris Day (1924 -)*Mel Tormé (1925-1999)

Some are rarely mentioned in outside of jazz music circles these days. This includes Helen Forrest who was well known during her era as being the girl singer for three of the most famous and recognizable bands of the period: Artie Shaw, Benny Goodman and Harry James. Her performance and acceptance by all three big bands of the time earned her the appellation of “the voice of the name bands.”

These jazz artists worked hard at what they did. They toured for extended periods of time. Many became popular singers for the period, although some since have been downgraded to popular singers e.g. Nat King Cole, Doris Day and Dean Martin.

Death of an EraAfter World War Two Jazz evolved and the Bid Bands petered out. There were revivals but the focus in the music was on exploration of jazz tempos. The music became frantic at times and wandered off into the stratosphere with the works of Mikes Davis and John Coltrane. Classic jazz artists – both men and women also took new paths. Some explored the realms of popular music while others began to experiment with their voices in other ways.

While the ranks of jazz singers were on the decline during the 1970s and 1980s, they have since rebounded. Today, while only a few can consider themselves classic jazz artists, many follow in the old tradition. It may not be Big band or Swing, but they touch on it. Some, such as Sylvia Brooks and Diane Krall are worth noting for their repertoire that sometimes recalls the past glory of the classic jazz singers.

Sometimes titled “Jazz Noir” Sylvia Brooks takes to the stage with a torch in her voice. Like many of her contemporaries, Sylvia Brooks has learned well from the Classic Jazz Artists. She is now taking the old, and making it, subtly, her own. To learn more about Sylvia and her music, visit Sylviabrooks.net.

Al Sharpton speaks out on race, rights and what bothers him about his critics
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Al Sharpton speaks out on race, rights and what bothers him about his critics

Monday, December 3, 2007

At Thanksgiving dinner David Shankbone told his white middle class family that he was to interview Reverend Al Sharpton that Saturday. The announcement caused an impassioned discussion about the civil rights leader’s work, the problems facing the black community and whether Sharpton helps or hurts his cause. Opinion was divided. “He’s an opportunist.” “He only stirs things up.” “Why do I always see his face when there’s a problem?”

Shankbone went to the National Action Network’s headquarters in Harlem with this Thanksgiving discussion to inform the conversation. Below is his interview with Al Sharpton on everything from Tawana Brawley, his purported feud with Barack Obama, criticism by influential African Americans such as Clarence Page, his experience running for President, to how he never expected he would see fifty (he is now 53). “People would say to me, ‘Now that I hear you, even if I disagree with you I don’t think you’re as bad as I thought,'” said Sharpton. “I would say, ‘Let me ask you a question: what was “bad as you thought”?’ And they couldn’t say. They don’t know why they think you’re bad, they just know you’re supposed to be bad because the right wing tells them you’re bad.”

Category:June 9, 2010
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Category:June 9, 2010

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Earn Profits Through Internet Marketing Affiliate Programs

By Merv Stevens

A lot of people are now making money through the internet. With the whole world facing global crisis and many countries experiencing economic problems, most people are now developing and making new ways to make money at home through home-based businesses and other ventures to increase their monthly income. Through the wide use of computers and internet in the world, people can now find various ways to make money online while at home. One of the most effective and easiest ways to make money online is through internet marketing affiliate programs. These programs are very profitable for website owners as well as online business companies.

The first step to start earning through internet marketing affiliate programs is creating your own website. Building a unique and effective website can be very technical and needs proper investment in order for the site to really gain visitors and generate profit. However, with the recent developments in internet services and technology, setting up a website online is now much easier due to many online sites and applications that help people create websites in only a few steps.

People can also hire or ask help from the professionals who know how to create online websites. Before making a website, find a good niche or the most popular subjects among the internet users. When the website is created, gain visitors or web traffic to your site by promoting your website and regularly updating it with information: articles, blogs and other promotional items to make your website rich in content. After effectively promoting your site and gaining significant amounts of web traffic, submit your site to the search engines. Look for the reputable and common advertisement programs like Google AdWords and other internet merchants that are looking for affiliate marketers to promote their products online.

[youtube]http://www.youtube.com/watch?v=_zY7WaZY4PM[/youtube]

After building and promoting the website, start earning profits by choosing the appropriate internet marketing affiliate program. There are numerous advertisement programs that website owners can choose from that would be both profitable for the affiliate marketer and to the online merchant as well.

Most common and popular types of affiliate advertisement programs are the Pay Per Impression, Pay Per Click, Pay Per Lead and the Pay Per Sale advertisement schemes. Pay Per Impression has the cheapest value among other online advertisement programs. The website generates profits by allowing the banner of the online merchant to be displayed on the affiliate marketer’s website.

Website owners can also earn profits through Pay Per Click method. The online merchant pays the website owner or the affiliate marketer when the visitor clicks the company or the online merchant’s banner that is posted on the affiliate’s website.

Pay Per Lead generates profit for the website owner when the visitors click the company’s banner and sign up for features required by the online merchant, like signing up for membership.

Lastly is the Pay Per Sale advertisement program where both the online merchant and the affiliate marketer earn profit. The company promoted by the website owner pays the affiliate marketer when a visitor clicks the online merchant’s banner and buys the products being sold on the merchant’s website. This is the most profitable among the affiliate advertisement programs but also the trickiest. To ensure a greater likelihood of a sale website owners should research well and choose the best types of product to advertise and effectively promote the product to visitors.

About the Author: Merv Stevens is an online marketer. To discover how to change your life dramatically and earn 100% commissions on the internet with

Empower Network

by using a simple 3-step process that anyone can do; go to his

Empower Network Blog

and learn more about this life-changing opportunity.

Source:

isnare.com

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