The Most Popular Business Books






Currently in your local bookstore are a number of newly released books that can provide rich insight and glorious financial understanding of a variety of hot business topics. From the stock market to the supermarket, these books have hit a vein in the American public by enlightening them to subjects that heretofore seemed elusive and confounding. Here are a few of these successful books, and a little bit about why you might want to pick them up when you have a little extra money.





Mobs, Messiahs, and Markets by William Bonner is a look at societal groupthink and why it’s so important to forge your own path when it comes to investing in the stock market. Taking a rather bold and unusual stance against such “safe” investments as mutual funds, Bonner and his coauthor take a look at mass thinking and why it so seldom resembles sound investment strategy.





Results That Last: Hardwiring Behaviors That Will Take Your Company to the Top by Quint Studer will be released sometime in October and promises an interesting look at what makes a business successful in the long run. Studer argues that a businesses success has little to do with products or service and everything to do with positive and exciting leadership. While a good product or innovative service may be the ticket to the top for a short while, it is Studer’s intention to demonstrate that the companies that last the longest and stay at the top do so through strong management and his book provides proven leadership strategies.





Your Portable Empire: How to Make Money Anywhere While Doing What You Love by Pat O’Bryan is a tome dedicated to showing the average everyman how to create an online business that requires little day to day work to produce a flow of passive income. Without reading the book, it seems to be mostly geared toward the production of a website and the sales of informational e-books, and the salesmanship and strategies toward making these e-book websites a success.





The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich by Timothy Ferris is a fascinating book by a Princeton lecturer who has found and put to use a number of secrets for living in the now, and not waiting for retirement to enjoy relaxation. Its strategies include how to retrain your supervisors into putting a higher value on results and production than actual presence, and how to trade a fulltime career for several short “work bursts” sprinkled with mini-retirements. A must have for those tired of living for the clock.





These are just a handful of the interesting books at the top of the bestseller’s lists. There are many more for those patients enough to peruse the stacks, read the reviews, and avoid judging a book by its cover. Read, and be filled up with knowledge.


The Business Of Factoring & How It Works






Factoring, also known as accounts receivable factoring, is a business term used to describe a method in which companies sell their outstanding receivable invoices in order to gain immediate cash for their business. When a company sells a product or service, an invoice is created stating the amount due and the number of days in which the invoice must be paid. This invoice instantly becomes a part of accounts receivable, which is money that is owed to a business. After the invoice is generated, it must be sent to the customer and the business must wait for the specified amount of time before that invoice is paid. Often times, for reasons of misfortune or lack of attention, a debt may go unpaid and extend past the due date. This presents a problem for the business, which is awaiting payment, in that it interferes with the cash flow when a debt is not collected. This is especially true of new, or struggling, businesses.

The process of factoring works when an institution purchases the invoice for an amount that is somewhat less than the face value of the debt. This amount can be anywhere between 70-90%. The factoring company then proceeds to collect the full amount due for the invoice, which is then delivered to the original business less a factoring fee.

If a business offers credit terms as part of their sales, factoring is one way of eliminating cash flow problems. Many businesses who use factoring receive their money, from the sale of their invoices, within 24 to 48 hours. This unique approach also offers a company with the ability to extend competitive credit terms to their best customers and not have to worry about waiting for the credit payments. By offering attractive credit terms, more customers will be drawn to a business. Most businesses compete in pricing, but a company is much more appealing if they offer financing options direct to their buyers. Many consumers do not have the funds to pay for items upfront, especially if a business markets more expensive sales, but a customer may be able to agree on delayed payments. Therefore, a business offering such a deal would sell more inventory than a company who requires total payment upfront.

It’s important to realize that factoring is not a loan or a debt. In addition, unlike bank loans, collateral is not required. It’s simply the sale of invoices, on which people owe money, to another business for a slightly smaller percentage than the total due. The original business gets immediate cash and, for a fee, the factoring company collects the face value of the debt.

Many businesses, who extend credit, opt for factoring in order to avoid the hassle of trying to collect money. In addition, it costs more to have a billing department who is responsible for creating invoices every month. By factoring, a business eliminates their need for a billing department and saves money on the hassle of attempting to collect debts.

The cash generated from factoring will allow a business to purchase new equipment, pay existing debts, increase marketing efforts, improve planning, process new credit approvals, improve customer relations and save money on accounting procedures.


Ways To Find A Home Business Opportunity






It is not easy to find a home business opportunity. There are plenty out there, but the key is finding a home business opportunity that is legitimate and that is not easy. There are many opportunities that may seem great but in the end they turn out to be nothing great at all. To find a home business opportunity that is going to be good and actually have potential for turning a profit, a person needs to learn how and where to look.





One of the top places for a person to go when they are wanting to find a home business opportunity is the internet. This is no surprise since people use the internet for almost every other aspect of their life. However, the internet is also a huge pool of scams waiting for their next victim.





The first place most people go is a search engine. This will produce a lot of results, but the quality is really dependent upon the keywords a person uses. Keyword like ‘work at home’ or ‘home business opportunity’ are going to drum up a large majority of scams. The better choice is to use narrower terms, such as ‘affiliate program’ or ‘independent contractor positions’. These more targeted keywords will help to find the legitimate home business opportunities.





Even better than a search engine, though, are work at home or home business websites. The type of site to look for is one that provides useful information and also has a message board where members meet and discuss home business opportunities or work at home information. These websites provide first hand accounts form people who have been there and done the home business search. The information found at websites like this is priceless.





It is also possible to find home business opportunities offline, but these are usually going to involve a large investment and many times they turn out to be scams, too. Ads in local newspapers are on top of the list for scams. Many times they request personal information or a deposit for information which is the number one sign of a scam. So, a person is not even safe searching offline.





One of the top rules about finding a home business opportunity is to always get all the information first and decide later. A person should never just jump into an opportunity, even if it is recommended by others. Gathering the information about the opportunity first will help a person learn about the work they will be expected to do and the type of business it is.





There are many ways to find a home business opportunity. There really is not a wrong way to go about it, but there are ways that can help. By using targeted keywords in internet searches or seeking out the help of current home business owners a person is more likely to find a good, legitimate home business opportunity and avoid the scams that will end with a loss of money and no profit.


Do You Think You Are Ready For A Home Business?






Before you get lost in the daydream of the incredible wealth that owning a home business may bring, you'll want to sit down and ask yourself if you are ready to operate a home business. Are you willing to put forth the effort into your home business that you would if you worked away from home in an office setting?





Although you can set your own work schedule while working from home, you will still have to make yourself available to your customers when it is convenient for them. If you work from home as a hairdresser, accountant, or any other profession in which you provide products or services to customers, you will not be able to set your own hours. If, however, you do not deal directly with clients, then you may have greater flexibility in your work schedule.





You'll want to ask yourself if you have the desire to operate a home business. Some people work better under pressure and will perform better in an office environment where they know that they have a set amount of time in order to get their work done. Some people work better if they have someone above them pushing them to get their work done. If you are this type of person, operating a home business could prove to be more difficult for you because you are the only one who controls the success of your business.





If you feel that you are good at prioritizing your work and keeping a good work life balance, then a home business is a desirable way to make a living. If you are willing to devote your efforts to growing your business, you are far more likely to reach your goals. People that are goal-oriented and have a high need for achievement will be the most successful at operating a home business.


Why Postcards are Popular to Businesses?






To make a business endeavor a success the people behind it must be good in communication. It is the idea of what you communicate and how to communicate that matters. Good communication is thus, the link that connects business and clients. It is also the controlling factor that links all types of businesses.

One of the most effective ways to communicate about any business is the use of promotional materials like postcards, business cards, posters, flyers and the likes.

Let us discuss the significance of the first item. Postcards are usually rectangular shaped piece of paper or cardboard with the significant details of the business on it.

Why are they popular to businesses? The ultimate reason is to make a sale. However, before a sale can take place there must first be familiarity with its products and services. With regards to this aspect, postcards can be used. Be sure that postcards have retention value in order for customers to easily recall them. As a result, it will drive them to buying or subscribing of your products or services.

Another reason is to follow up on customers. At first sight, the postcard may not get the goal of the company thus, it needs considerable amount of follow ups. Retention is the key factor to yield forthcoming sales.

Third reason is to update regularly. The details of the business might have change with time and strategies thus, we have to consider these changes and come up with an updated version of rush postcards.

After the updates and the usual hi’s and hello’s to the customers, the next thing to do is to check out its affectivity to the sales world. This phase may be called ‘checking out customers’. Moreover, postcards are needed to be sent in order to refresh the customers of your products and service especially the latest ones.

Postcards are powerful marketing tools that can convey message through its colorful, clear and striking images and crisp texts. Full color postcards are the most effective type of postcard used by businesses. This is because of its enigmatic effect on the eyes and emotions of the viewers. Try to capture it in your postcards as well. All you have to do is place moving pictures and texts that way, you can very well catch and seize your viewers decision so as to be favorable to your business!


Your Business can suffer due to absence of Digital certificate on your website






It is very important to take the protection against online information larceny, because it's getting very easy for people to share digital products. Information theft is a type of computer safety and security risk and it's defined as thieving someone’s private or confidential information. It’s very dangerous to get the information stolen as this can cause as much damage, or possibly more then hardware or software theft.





Most of the systems on the way of your data can see what you send. A lot of companies try to stop information from being stolen by applying some user identification and authentication controls.



These constrictions are most promising for protecting computers along a company's premise. However, to protect information on the Internet and on networks, companies use a handful of encryption methods like digital certificates and SSL security. SSL is an industry standard and is used by millions of websites in the protection of their online transactions with their customers. Encryption refers to the process of converting data into an unreadable form. Encrypted data is like any other data because you can send it through a lot of options, but to read it you must decrypt or decipher it into a more readable form with the help of public and private keys provided. Throughout the encryption process, the unencrypted data or input is known as plaintext and the encrypted data, or output is known as cipher text. To be able to create an SSL connection a web server requires an SSL Certificate. When you choose to activate SSL on your web server you will be prompted to complete a number of questions about the identity of your website and your company. Your web server then creates two cryptographic keys - a Private Key and a Public Key. To encrypt information, the programmer converts the plaintext into cipher text using some type of encryption key. An encryption key is the programmed formula that the person who receives the data uses to decrypt the cipher text. There are varieties of encryption or algorithm methods. However, with an encryption key formula, you will be using more then one of these techniques.





Most common example is a nasty individual stealing credit cards so they can make illegal purchases on another person's account. If information is transmitted over a network then it has a very high chance for nasty users to capture the information.





A digital signature is a type of encrypted code that an individual, website, or company pastes to an electronic document to make sure that the individual is who they claim to be. The code will most likely consist of the user name and a hash of usually part of the message. The complexities of the SSL protocol remain invisible to your customers. Instead, their browsers provide them with a key indicator to let them know they are currently protected by an SSL encrypted session - the lock icon in the lower right-hand corner, clicking on the lock icon displays your SSL Certificate and the details about it. All SSL Certificates are issued to either companies or legally accountable individuals. The main purpose behind using digital signatures is to make sure that it's not a swindler participating in the transaction. So, digital signatures help narrow down e-mail frauds. A digital signature can also make sure that contents of a message have not been changed.





Typically, an SSL Certificate will contain your domain name, your company name, your address, your city, your state and your country. It will also contain the expiration date of the Certificate and details of the Certification Authority responsible for the issuance of the Certificate. When a browser connects to a secure site it will retrieve the site's SSL Certificate and check that it has not expired, it has been issued by a Certification Authority the browser trusts, and that it is being used by the website for which it has been issued.





Many ecommerce websites will usually have digital certificates. A certificate authority (CA) is an authorized company or individual for that matter that has the ability to issue and verify digital certificates. There are several of websites that offer a digital certificate. One of the popular Global Certification authorities is MindGenies (www.sslgenie.com).


Work At Home Business Opportunity: A Step By Step Approach






Work from home in your own business is an opportunity many would grab in a second, if they only could make it work.

Business opportunities today come in all size and shape allowing people to choose from a lot of different ways to work at home and still earn money.

Work at home in online business opportunities.

Online business opportunities are the most common way to get started online. But the pitfalls are many and without extensive computer and internet knowledge plus the needed business knowledge, succeeding can be a hard task.

Maximize your work with home business opportunities by choosing wisely among the online offers. Your goal is to find a way to get multiple streams of income, with as little cost and time inversion as possible. And if possible more or less hands free!

In a good home based business (to take some risk out of single stream income), you should have the choice of several simultaneous ways of earning money. Each one somewhat different, but at the same time working together.

Sounds like an animal no one has ever seen doesn’t it?

A home business opportunity that really works should offer the following,

• A complete, optimized website with all business opportunities (multiple streams, remember!) already included.
• Free setup of the site.
• Many parallel streams of income built into the site (automatically).
• Pre written auto responder series you can use for over 1 full year of messages (you can change it or use your own as well)
• Traffic generation explained and incorporated into the site.
• Access to top selling products and services (included)
• Large community of user where help and support can be found

Using a day by day plan to move you forward towards online success is a vital part of you reaching your goal to work from home. An opportunity like this is easier to use then most other business opportunities found online today thanks to having a well planned approach and all of the steps outlined in detail.

To get the most out of an opportunity that allows you to work at home, energy and enthusiasm is a must. You will see the success of others, but only online and never firsthand. So your motivation is important.

Taking action, even with something well planned, is an absolute must to get anywhere and no one will be standing behind your back pushing you when you run your new business from your sofa.

Consistent work turns into success

You have probably heard about affiliate programs before. You have most likely joined a couple and been left there wondering what to do next.

In a well planned work at home business opportunity you’ll receive a plan, including all the tools you should use, steps to take and even an explanation why you should do it.

This approach will save you time and educate you at the same time it guides you.

Now it’s your turn to find success and to the first step on your own journey towards a income producing work at home business opportunity based on multiple streams of income!


5 Tips and Tricks for Using Word for Business






Handy features can save you time and money



Most people don't use every feature built-in with their software applications. We tend to pinpoint those we find helpful and call it a day.








Here are five features within Microsoft Word, the word-processing software in Microsoft Office that I use in my business to save time and money.









  1. Create and design your company's letterhead, choosing from an array of free clip art from Microsoft.






    One thing every business needs is official letterhead. You don't have to buy it. If you know the design you want, you can create it in Microsoft Word and save it as a template to use time after time.






    Creating a letterhead doesn't have to be complicated; it can be as simple as the company name, address and telephone number. Word provides a wide variety of fonts, and you can vary type sizes.






    You may want to add art to your letterhead. You can scan in your logo and use it in your letterhead. Or there is another option.






    Microsoft maintains a huge collection of free clip art. For instance, if you want to add a flower, Microsoft has more than 1,000 designs. The clip art collection is available to registered users of Word. You'll find it at Microsoft Office's Design Gallery Live.






    Microsoft also offers free templates for letters, labels and forms. They're located in the Template Gallery. (Most run in Word, although some require other software programs. For example, the project management templates require Microsoft Project 2000 or a later version.)






  2. Send the same letter to many people without addressing each separately.






    Sometimes you need to make an advertising pitch to all of your customers. Or you want to announce a change in your staff. This can seem daunting but it doesn't have to be. Word's Mail Merge tool simplifies things greatly.






    Basically, Word uses a list of names and addresses from a table. The table can be created in Word, in Microsoft Access or even in Microsoft Outlook. All are part of Microsoft Office.






    This obviously works best with planning. You'll probably need a database and Access is the better way to go for that. But the learning curve here is much steeper than putting everything in Excel (also part of Microsoft Office). I'll use Excel as the example but keep in mind that you have more choices.






    Start this process with your letter. The same letter goes to everyone; you can't do a lot of customisation. When you write the letter, leave space for the person's address and the salutation.






    When setting up Excel, you obviously need the person's name and address. You'll also need a salutation field. If Rocky Jones is one of the people receiving the letter, you might want the salutation to be Dear Rocky. If your relationship with Dr. Rocky Jones is more formal, the salutation might be Dear Dr. Jones. So the names in the Salutation column would be "Rocky" or "Dr. Jones."






    Next, open your letter. Click Tools > Letters and Mailings > Mail Merge. Follow the wizard's directions on the right side of the screen. To select recipients of your letters browse to your list of contacts in Excel, Outlook or another database.






    In addition to letters, you can address envelopes and labels with Mail Merge. It can make life a lot easier.






  3. Add a watermark to a document so everyone knows that it is a draft.






    If you are circulating a proposal to your staff, you don't want it mistaken for the finished product. A good way to avoid that is a watermark that says "Draft," "Confidential," "Sample" or anything else you'd like.






    A watermark is clearly visible on the document, but does not damage the legibility of the writing. You can even establish it in a variety of colours.






    You can also use a picture for a watermark. Suppose you run a flower shop. You can use a drawing or picture of a flower that would appear on everything you print. How cool is that?






    To use the watermark, click Format > Background > Printed Watermark. Make your selections and click OK. If you expect to use a watermark regularly, create a template (see No. 1 above).






    Remember that there is a fine line between cool and irritating. If people must struggle to read the document because of the watermark, they may give up. Be sure you have "semitransparent" or "washout" selected.






  4. Keep an eye on changes that people are making to documents.






    When a sales plan or another document is returned to you, it is sometimes difficult to see changes made by others. Word has a simple way to show them to you.






    Here are the instructions for Word 2002/2003: First, open the newer Word document. Click Tools > Compare and Merge Documents. Browse to the original Word document. Click it once to highlight it. In the lower right corner, click the drop-down box and select "Merge Into Current Document."






    For Word 97/2000: Click Tools. Go to Track Changes. Click Compare Document. Find the original Word document and click it once so it is highlighted. Click Open.






    Sometimes, the development of a document is so arduous that we lose sight of what we're trying to do. Looking back at previous versions can help.






    That's easy to do in Word. Click File > Versions. Select "Automatically save a version on close." Every time you close the document, that version will be saved.






    When you want to look at an old version, follow the same path. All of the versions will be listed in the box. The most recent will be on top. Highlight the version you want and click Open.






    You can turn off this "versioning" feature by clearing the check mark from "Automatically save a version on close." Or, you can delete individual versions. Just highlight the ones you want to dump and click Delete.






  5. Use a shortcut for many of your tasks.






    For some tasks, I can work faster using the keyboard than the mouse. You probably know the standards: Ctrl+C to copy, Ctrl+V to Paste, Ctrl+Z to Undo, Ctrl+A to Select All and Ctrl+P to Print. But here is a list of other shortcuts you might find helpful as you use Word.









































































































































































































Using Social Networking Websites to Promote Your Business








The goal of most business owners is to make money. This often results with the selling of a particular product or service. However, to sell that product or service business owners need to alert the general public. Customer cannot buy a product or a service if they do not know that it exists. That is why, as a business owner, you need to advertise your business.





When it comes to advertising there are many business owners who literally cringe. Are you doing this now? There is a good chance that you are because many advertising methods cost money. As a business owner you want to make money not spend it, right? Unfortunately, if you believe that all forms of advertising take money, you are sadly mistaken. Although you may have to spend money to make your business what you want it to be, there are ways to promote your business and the products or services that you sell without having to spend any money at all.





Is your curiosity peaked yet? There is a good chance that it is, rightfully so. One of the ways that you can promote your online business, without having to spend a dime, is by using something that is readily available online. That thing is an online social networking website. A large number of internet users, in fact millions of them, belong to at least one social networking website.





When it comes to social networking, there are many individuals who think of online friendships or online relationships. While these types of relationships are the most common, did you know that social networking is also used for businesses? In fact, that was originally how social networking got started. If you are a small business owner, especially one that operates an online business, there is a way that you can use social networking sites to your advantage.





Although social networking websites are traditionally focused on those that would like to make online friends or develop online relationships, there are networking sites that are designed for business owners. These websites will not only allow you to share your business information with other business owners, but it will also allow you to develop close relationships with those that share an interest that is similar to yours. Essentially, this means that you could not only learn valuable business information, but you could also walk away with a new business partner or a new friend.





As previously mentioned, social networking websites with a focus on businesses, are a great way to promote your business. However, this does not mean that you should completely forget about the other online social networking websites, the ones that are designed to make online friendships. Although you may not learn any valuable business tips by joining Yahoo! 360 or MySpace, you may be able to get new customers and new customers is exactly what your business should want and need.





If you are looking to join an online community, you will need to create your own profile or profile page. If you are planning on joining a traditional social networking website, to gain access to millions of potential new customers, you are urged to be careful when making your online webpage or profile. One thing that internet users hate is being solicited for business. This does not mean that you cannot use social networking to your advantage; it just means that you need to be careful with how you do it. Instead of creating a MySpace page or a Yahoo! 360 page for your business, you are advised to make one for yourself, but, of course, you will want to include information on your business.





By joining a social networking website, especially one that is popular and has a large number of members, you should be able to generate interest in your business, including the products or services that you sell. Who knows, but that interest generated could turn into sales; thus making your social networking experience more than worth it.


Your Home Business Only Needs This To Succeed






In most of my articles, I give tips and Ideas on starting and maintaining a home business. In fact, one of my first ever article was titled, "Can every Tom, Dick, and Harry start a home business?"

My answer to this question was a "Yes”. But not every Tom, Dick and Harry could grow a home business. I gave the 11 things you needed in order not to be a home business starter, but also a home business success. This article can be found around all the article directories. You just need to go to google and type in my name (Mary Janet Namuli) or the title of the article.

Well, back to this current article.
Haven’t you read countless times that the key to success in your home business and offline is marketing and promoting? I am sure you have come to believe such statements 100%

But wait.

The real secret to success in any home business is only one. “It is your mind”.
You can never take off on the Internet without knowing this secret. Some people (even You and me) did not know this secret but they have used it unknowingly to take off on the Net. Those have been a bit lucky.

There are a lot of free ebooks, and articles like this one out there telling you how to succeed with your home business. But doesn’t it surprise you that one reads them and follows them to the letter, yet achieve no significant success?

It is because these books and articles haven’t been telling the real key to success online. Now in this article, I’m telling it to you again. “You need only your mind to succeed with your home business.”

Yes, it is your mind. The other tools, ebooks, articles, software and Online marketing and promotion information that you may buy or get for free is useless if you do not have a positive mind.

When your mind is programmed for success, it will use many ways to keep closer to success. You will meet the right people, get lucky breaks, and receive useful free ebooks for online marketing and promotion, get training from a qualified mentor, find a need to fill, become focused, take the right actions at the right time, take risks, be willing to sacrifice, have the right
attitude etc.

That is the only truth and key to success with your home business. It will continue to be this year, the coming years and it has been the past years. You must get your mind right at first; the rest will be done with ease. You will even enjoy doing them.

Success mentors have said that you must 100% want to succeed and be wealthy. Not 99.9%, no grain of fear, hidden doubts and dislikes. You must honestly desire to be rich.

Here is what I read from an article:

Examine your self; are you on the road to success? Is your mind programmed for success? If not, when your mind is finally changed, success will finally come gushing into your life, seemingly from nowhere. You will wonder where it has been hiding all those years. It was hiding behind your own
self-doubt.

With your mind tuned and programmed for success in any home business, you will steer clear of poverty, sniff any scam and avoid it. Your mind will steer you clear of poverty thoughts, and the wasting of your time, money, friends and talents. No more wasteful preoccupations and wastefulness. Others will watch in awe and wonderment, as it seems that things always turn out in your favour. You will begin to freely give, as your newfound wealth spills over to other people’s lives.

But it all starts with your mental programming. Very few know, or will tell you this fact. With the right mindset, you can become fabulously wealthy. It is all in your mind. It is mental. That is the truth and success about wealth and success in any work at home business. It is the most important tool you will need to succeed in a home business this year. Even to be successful in your home business marketing and promotion efforts, you need to have a mind that has already been programmed for success.

If you had never know this fact, all the marketing and promotion tools, tips and information you read on home business would be useless. You would easily get discouraged; you would think that you need a good product or company that will make you instantly rich. You blame other people if you will experience home business failure, You blame your parents that they are not wealthy, You believe that there is something out there that can really help you succeed with your home business and in life.

No! Success lies within you and it starts in your mind. When you fully digest this secret, nothing will stand in your way. I discovered this secret and my work at home business took off so easily. Despite the fact that you may
Live in a remote country with few privileges for online success. You will manage to make it and here I have given you the key. Use it as the primary tool and then use other tool and implement what I and other experts teach you, you will achieve the success that you have always wanted with your home business.

Your mind and attitude is the most important home business marketing tool you will need to succeed online this year.



Mary Janet is an entrepreneur who has wide knowledge on starting and growing any type of home business. Visit her Killer Home Business Guide


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