This last year the economic challenges for businesses have been greater than we have seen in the last few years. With job layoffs it has often been difficult for many families due to job losses. Like many Americans my own family was hit hard with the economy and the challenges we have faced. We found several opportunities to supplement our income, which have so far kept us in house and home. Many times we wonder we will ever get back to having the income we were once use to, and wish that it would get back to that level. What we have found during our opportunities and challenges we have faced that there are opportunities out there if you look for them. By studying market trends and such we have found one consistent item that has performed many years, and that is the sale of health care products. But creating your own line and getting the funds together to invest in a traditional brick and mortar store or even online sales can often be difficult. That is until I found a wonderful product that I can sell and I can believe in.
It started due to my own desire to lose weight and seeing several acquaintances and friends have similar success. I started using HCG – at first I thought okay I am going to get the shots and take it. Then I have to admit that I was scared of injecting myself. But it wasn’t until I saw how others had success with HCG drops that I decided to try it myself. I found my HCG through Prime Health Labs, because I could buy the individual product or a complete program. The complete program is the best deal. I soon wanted to get even more discounts and help in keeping track of my overall program so I joined Prime Health Labs. Now as a member I can also spread the message and without having to buy my own stock, share my success with others and even run my own PHL store. This allows me to help others get the same success I have had as well as also helping my family during the economic times.
I can run my business and make incredible profits for less than 20.00 a month and sell the hottest product on the Internet today. I don’t have to know programming, I can track all my sales, and maintain my own program with Prime Health Labs. What could be better losing weight and making money at the same time.
By Alex Davidson- FOXBusiness
Subprime lending was a leading factor in the collapse of the economy, and entrepreneurial advocates say small-business lending is crucial to its full resurrection. FOXBusiness.com asked the nation’s big banks: how much did you give the “little guy” in 2009?
Employing more than half of the nation’s nonfarm private workforce and, according to the Labor Department, generating 64% of net new jobs between 1993 and the third quarter of 2008, it is not hard to argue that small businesses are key to an economic recovery in the United States.
Banks and lawmakers have been under heavy pressure to extend more loans to small businesses, as companies still struggle to overcome the depths of the worst recession in modern U.S. history. In December, a Senate committee passed two bills — the Small Business Job Creation and Access to Capital Act of 2009 and the Small Business Export Enhancement and International Trade Act – that aim to increase loan limits, extend government guarantees and foster small businesses to grow exports. The full Senate will take up the legislation after the holidays.
“America ’s 29 million small businesses are really struggling with skyrocketing health insurance premiums and a tight credit market. Now that we have stabilized Wall Street, it is time to jump-start Main Street , and these bills will do just that,” Small Business and Entrepreneurship Chairwoman Sen. Mary Landrieu (D-LA) said in a written statement.
FOXBusiness.com asked the nation’s largest banks how much each lent to small business in 2009 as of mid December. Here are the results of the investigation.
Bank of America (BAC), in the first nine months of the year, said it facilitated $12 billion in credit to small businesses. The bank said it saw $2.5 billion in loan losses, including defaults, during the same time period. BofA is also working with small businesses to modify repayment plans: since September the company has modified loans to 49,000 clients.
JPMorgan Chase (JPM) said so far this year it lent $6 billion to companies with sales of less than $20 million. The company also said it plans to increase small business lending in 2010 by 67% to $10 billion and to hire an additional 325 bankers for the initiative.
PNC Financial Services (PNC) said it originated $900 million in small-business loans in the third quarter, adding to the $9 billion the company had lent through September.
Wells Fargo (WFC) said it was on track to loan small businesses $13 billion in 2009. The company also this year increased its workforce of bankers on the small-business front by 5% to 31,500, and an additional 2%, or 700 bankers, will come on board in 2010.
Capital One (COF) and US Bancorp (USB) both declined to comment on how much money either lent to small businesses in 2009.
My business goal for this year is to continue to improve my bottom line online. Working and online business you need to constantly learn and adjust to the changing technology. Over the last year I have been reviewing website builders and testing what they can offer a person who isn’t a programmer. There are some great products out there, but all of them seem to be lacking something. What about lead generation or even offer creation? Sure I can create a website, get people to come but I want to do more. I want to build my lead lists and I want to create online offers for different products as I go. Now I can with ProEZBiz.
I finally found the perfect solution that is due to be launched on January 4th 2010. I have been reviewing the website and I am excited for the initial launch of this product. Inside this program you don’t just get a builder, you get tools and lessons to help you grow your business. You can make suggestions to the developers and have them get you the features you want and need for your successful online business. I was able to test their system out and it took me less than 30 minutes to create a fully functioning lead generation site, with a free ebook to give away and a way to manage my leads. I was amazed at how easy it was. Next I tried the offer creator to sell a product and in less than 30 minutes I had a fully functioning eCommerce offer page. The back end was generated so I could start managing my customers and tracking my payments. It is simply amazing.
Another item I love about this system is that I am not on a long term contract, nor do I have to pay someone thousands of dollars “for their coaching system”. I can work at my own pace, I can request some lessons and have them find me the right information. This means that I can focus my time on marketing my product online, if I request some information then I get notified when it is available and go and check it out. The entire system allows me to focus on getting customers to my site(s).
Now I know that it isn’t January 4th yet and they haven’t launched this product officially, but I wanted everyone who follows me to get a heads up because I know that there is a special promotion for this product and the first 500 people get locked in for life at 20.10 a month (you can cancel at anytime too, no long term contracts).
So if you want to give yourself a boost to online leads and offers and save on programming costs check out Pro EZ Biz.
AMERICAN EXPRESS OPEN® HELPS SOLVE ONE OF SMALL BUSINESS OWNERS’ BIGGEST CHALLENGES – GETTING PAID FASTER – WITH ACCEPTPAY(SM)
Online Invoicing and Payment Solution Can Help Business Owners Collect Payments from Customers More Easily and Quickly
NEW YORK, December 21, 2009 — American Express OPEN, the small business division of American Express, today launched AcceptPay (www.acceptpay.com), an online invoicing and payment solution that can help business owners improve cash flow at a time when customers are taking a longer time to pay.
AcceptPay is a new online solution that allows business owners to create, send and track invoices – all in one place. Through AcceptPay, customers can pay the invoice through a variety of methods, including major credit and debit cards, eChecks, cash, or checks. Resulting payments are deposited directly into the business owner’s bank account.
“At a time when every dollar counts, business owners need tools and resources to help them better manage their firms’ finances, and that is why we created this innovative payment collection solution that can help them get paid faster,” said Mary Ann Fitzmaurice Reilly, Senior Vice President, American Express OPEN. “AcceptPay further demonstrates our commitment to offering entrepreneurs a full range of products and services that can help them manage through the recession and grow their enterprises.”
According to the American Express OPEN Small Business Monitor, a semi-annual survey of business owners, 60% of small business owners have cash flow concerns, with 20% of business owners reporting that the ability to pay bills on time is the most significant cash flow issue. In addition, 32% of small business owners are most likely to be more aggressive in collecting accounts receivable in order to improve cash flow – the most popular tactic of those offered in the survey.
AcceptPay features and benefits include:
* Faster payments: Customer payments are deposited directly into a linked bank account designated by the AcceptPay user;
* Variety of Payment types: Customers can choose multiple online payment options including major credit and debit cards, eChecks, cash or checks;
* Improved efficiency: Business owners can create and send invoices, as well as track and organize invoices, payments and outstanding receivables online – through a single web-based portal;
* Added financial control: Business owners can track and view invoices and receivables via automated or custom reports. All of these records can be seamlessly integrated into QuickBooks® software.
* Ease of use: AcceptPay does not require a software download or customer website.
Every business owner, whether or not they are an American Express OPEN Cardmember, is eligible to apply for AcceptPay from American Express OPEN. There is no set up fee, and the service is priced at $20/month. Any business owner can also register for AcceptPay Lite, which is a free invoicing-only solution that provides the opportunity to test the product.
American Express OPEN partnered with PaySimple, a leading provider of SaaS (Software as a Service) on-demand electronic payment solutions for small businesses, to design AcceptPay. OPEN and PaySimple worked with business owners to create product features and integrated feedback from product test groups.
Small Business Owners Ask “How can I get Paid Faster?” in New TV ad Featuring AcceptPay
American Express recently launched a television spot featuring real business owners asking each other questions about how to better run their businesses. The national ad underlines the primary thing small business owners want to know – how to get paid faster – and highlights AcceptPay as a solution for business owners looking to turn the page on a challenging 2009. Small business owners are also encouraged to ask their own questions and join the conversation by logging on to OpenForum.com, an online resource and networking site for business owners. The business owners featured in the ad include:
* Ahmed Mady, Paragon Remodeling, Vienna, VA
* Candace Nelson, Sprinkles Cupcakes, Beverly Hills, CA
* John Lawson, 3rd Power Outlet, Atlanta, GA
* David Hughes, Skydive Santa Barbara, Lompoc, CA
* Lynn McMahan, Southern Eye Center, Hattiesburg, MS
* Jasmine Takeshi, Laughing Lotus Yoga, San Francisco, CA
* Rafe Totengco, Rafe New York, New York, NY
* Chris McIntyre, Eagle Rider Tours, Los Angeles, CA
* Chris Zane, Zane’s Cycles, Branford, CT
* Dan Marino, Jackson Hole Buffalo Meat Co, Jackson, WY
About American Express OPEN®
American Express OPEN is dedicated exclusively to the success of small business owners and their companies. OPEN supports business owners with exceptional service. With tailored products and services, the team delivers purchasing power, flexibility, control and rewards to help customers run their business. Specifically, business owner customers can leverage an enhanced set of products, tools, services and savings, including charge and credit cards, convenient access to working capital, robust online account management capabilities and savings on business services from an expanded lineup of partners. To obtain more information about OPEN(SM), visit www.OPEN.com, or call 1-800-NOW-OPEN to apply for a card. Terms and conditions apply.
American Express Company www.americanexpress.com is a leading global payments, network and travel company founded in 1850.
About PaySimple
PaySimple creates platforms that simplify and empower the lives of small business owners. PaySimple provides an on-demand Software as a Service (SaaS) platform that enables small businesses to bill, collect, and manage their customer payments under one user-friendly system. The PaySimple solution includes: recurring billing, email invoicing, ACH direct-debit, credit card processing, echeck processing, online payments, and more. For more information please go to http://www.paysimple.com.
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Okay – I was setting up some pages for a few domains that I have and after spending countless of hours creating a design I had a flash of brilliance. I am into affiliate marketing and so far it has been paying the bills, one of my latest affiliate associates has been with a new affiliate program called High Profits. I don’t know why anyone wouldn’t want to try them out and it is completely FREE to join. That’s right, you aren’t risking anything and you won’t be facing a ton of e-mails either.
High Profits will give you a way that you can create a full on website within minutes. They allow you to download a complete website – you add in your affiliate code and you are on your way. It was perfect for us, because we have some domains that we inherited and aren’t scheduled to create a website for them until later next year. So after making a design I remembered that I could go there and put up some place holder websites that would allow me to market products. Here is a website that I downloaded and put on my own server within minutes – Check IT OUT NOW!
The products at High Profits are good performers and in the short time they have been in business, I know several people who are making high profits. They also have learning materials that are on spot and a forum where you can discuss the products or marketing techniques with other professionals. |
If you are new to the online world and want a quick way to set up your own domain that you can learn marketing techniques, this is by far the cheapest methond. The only cost to you is the price of a domain, and hosting. But you can also use Weebley and load your site there. Check it out and if you have any questions please feel free to contact me. We provide hosting for just 3.99 a month too.
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