Business Industries That Need a Boost in Generating B2B Leads

Today, business lead generation is an integral part of any company. From small to medium scale companies, even to large business corporations, generating leads assures them of a profitable output in sales by the end of the campaign. Businesses that have initiated this type of marketing strategy can expect a satisfying annual report for their ROI.

There is not a company in this world that does not want their business to grow in terms of their finances among other categories. Hence, b2b lead generation can put their business on the map.

Nonetheless, there are many business sectors that may need a boost with regards to generating leads. Let us take a look at some of them.

Information technology – Leads for this sector are harder to generate for the IT products and services are highly intricate and are mostly targeted for high-end customers. IT companies have to face the everyday challenge of getting the attention of their prospects. Most technology companies have a number of gatekeepers that screens each and every call that go through. This can be time consuming and difficult if one does not have the right skills.

Commercial cleaning – Compared to the IT industry, commercial cleaning has their lead generation campaign put on a lighter note. Nonetheless, one should not underestimate the fierceness of the competition when it comes to generating leads for this business sector. A lot of cleaning companies are always vying for quality leads. Hence, generating leads for these businesses should be done in a way that is both quick and precise at the same time.

Financial Companies – Like the IT industry, generating leads for the financial district is also difficult. It is of common knowledge that a lot of business owners will always like to keep all known information about their finances close to the chest. Companies that offer financial services have to double their efforts in piquing the interests of their prospects if they at least want to achieve results that are befitting for their growth.

Merchant services – An example of a business that offers merchant services are those that offer cash advances. Much like the financial industry, those that dwell within this business sector need to provide an extra amount of effort in getting the attention of their prospects to achieve profitable results. A lot of businesses do need cash advances however it does not mean that every organization on this earth needs one.

To solve most of the issues in generating leads for these industries, it is better to not think twice in outsourcing their lead generation services. Additionally, it is preferable to search for an outsourcer that involves the use of telemarketing as their main marketing tactic. Professional b2b telemarketing can solve a number of issues, challenges, and most definitely the problems being faced by companies located in various business sectors.

For instance, the distance it takes to get the word across is minimized thoroughly. The business can then get the attention of a wider array of markets by simply calling their targeted clientèle rather than having to spend a lot of money on travel costs.

Second, outsourced telemarketing services are generally being run by expert telemarketers. These call center agents are able to adapt to most situations, whether positive or negative, and direct the call to a positive end. So even if these telemarketers are bombarded with rejections, they can still politely end the call without having to risk the business’ name from being tarnished.

If your business reside in one of the aforementioned industries, then perhaps it is time you decide to outsource to a professional telemarketing company and enjoy the benefits that is about to come to your business’ income.

Source by Belinda R Summers

Free Betfair Exchange Games Method for Texas Hold’em

How would you like a FREE Betfair Exchange Games Method for the Texas Hold’em game that would be like your online, unlimited ATM machine so that you could continue to profit on Betfair and build up a huge bank to use on other systems? Here it is! Read on and you will be given one of the simplest yet most effective methods for the Betfair Exchange Games.

Make sure you follow these instructions step-by-step and do not deviate from everything that is stated below:

1. Navigate on Betfair to the Texas Hold’em game that is under the Exchange Games category.

2. Watch a few rounds of the game. You may or may not notice that the hand that was favourite at the pre-flop is not very often the favourite at the end of the round and it is this concept that we will profit off of in order to build that huge bank.

3. After the pre-flop, you want to lay the hand with the lowest odds, provided that these odds are no higher than 2.8 – This is so that you can keep your liability down and your overall profit up.

4. Now, you will wait for the game to go to the flop where, what you want to happen is, the odds of the favourite you just laid have increased. This is where you will green up: Greening up simply put means that you ensure you have a profit no matter what outcome wins.

For example, if you laid a hand at 2.75 in the pre-flop and then, at the flop, you were able to back the same hand for 4.05 then you would do it as this would guarantee a profit no matter what hand would win.

When using this method, just remember the simple yet most useful phrase in the world of Betfair, online trading and online gambling: Remember to Back High and Lay Low. If you stick to this then you will be well on your way to making, A LOT, of money trading Betfair. Every time you go in for a new trade, just say that phrase over and over to yourself so that you know, for sure, that you will not make a mistake in your trading on the Betfair Exchange Games. And if, for some bizarre reason, people tell you otherwise, well simply do not listen to them whatsoever — It’ll get you in trouble.

Source by Lewis Cruth

The 5 Essential Financial Reports You Should Be Asking For in Your Business

A question I often get asked from my business owner clients is “what reports should I be asking for so that I can keep my finger on the pulse on my business”.

Now this does differ slightly from business to business. For example, if you are a retail shop, then you’re going to automatically have daily figures available to you as part of your normal process. However most businesses should be asking for weekly, monthly and quarterly reports.


Before I go through the reports in detail, I know that a lot of people don’t like looking at the figures in their business. And usually this is because they don’t know what it is that they’re looking for. So usually then their accountant or bookkeeper (or receptionist!) gives them a monthly report, they glance at while holding their breath, and then either breathe a sigh of relief if it shows a profit, or they grimace and swear when it shows a loss. But usually by the time they’ve got this report, it’s already too late. The financial status of your business should be at the forefront of your mind every day- not something that you look at once or twice a year when you run out of cash.


The first thing to decide is how frequently you need to see reports. I suggest a minimum of monthly, if not weekly. This can sometimes depend on whether you have a full time accounts person, or whether they only come in once a month.


To help you know what’s going on in your business, one of the first things to implement into your business is a culture of having a year end every month. By that I mean… you want to ensure that every revenue figure and expense if recorded according to the month that it’s incurred. If you insist on this type of culture, you will start to receive accurate figures. So think end of year each month and close off all financial data for each month. That way you know that your reports fully reflect the state of your business and you get accurate profit and loss reporting and it can help you to identify trends in your cash flow.

With regards to reporting, if you have a full time person looking after your reports, you should be having a weekly meeting with them to review reports. To make this process easy for you, refer to the ‘Essential Financial Management Templates’ workbook which you can purchase from our website. This workbook has a standard financial meeting agenda that will help you to guide your meeting so that it’s both effective and efficient.

When you are meeting with your accounts person, you want to ensure that you have all the reports up front -before your meeting – so that you have time to go through them and highlight any discrepancies that you can then address during the meeting.


So what information do you need to know if your business is doing well or not? Well your weekly report pack should consist of the following five reports (by the way, a sample copy of each of these reports is also included in the workbook that I mentioned before):

1) A Profit and Loss – this should be provided weekly (if you’re meeting weekly) as well as a Month to Date and a Year to Date report. So that’s actually three reports in total!

2) From there, you would request a copy of your Aged Payables. This report shows a list of all the people that you owe money to, and when it’s due – or if its overdue. If there are any amounts that exceed your suppliers trading terms, you want to know why. If it’s because of cash flow, you then look at your cash flow analysis report to see when they will be paid. To maintain a great relationship with your supplier, you then need to communicate this with them.

3) Another essential report is your Aged Receivables. This is where you can clearly see who owes you money and if they have any amounts outstanding to you. This allows you to follow up on collections way before it becomes overdue. As part of your financial management systems, you should have a standard follow up system. For example – if a client has exceeded their trading terms by 7 days, what happens – do you follow up with a quick phone call to check that they’ve received the invoice. If its 14 days – what happens – and so on.

If you refer to the ‘Essential Financial Management Templates’ workbook that I mentioned before, there’s also a list of demand letters designed to help you when you need to be a little more serious about collecting. But once again, Aged Receivables is essential because you need to see when your money is coming in – so that you can pay your suppliers and employees their wages without having to dip into your own personal cash reserves.

4) This brings me to the next report – a Cash flow analysis. This report should be put together by your bookkeeper and outlines when money is coming in and when it is going out. You can then see if there are any shortfalls so that you can make plans in advance to get this covered. It may be that you need to transfer monies from another account – or it may be that you chase outstanding payments. What you don’t want is to find out when you go to transfer the money is that there’s nothing in the account!

Believe it or not, this is often the most under-utilized financial report – and yet it’s the most important. You wouldn’t believe how many bookkeepers or accounts people don’t do them either. It’s not so much that it’s difficult to produce, but it’s a working document which means that it needs to be regularly updated. But persist with this one, even if your accounts people try a mini revolt over it, because it’s a life saver for your business.

The ‘Essential Financial Management Templates’ workbook that I referred to previously that’s found on our website contains a fantastic cash flow analysis report that will save you and your team a lot of time.

5) The other essential report to have is the Bank Reconciliation. If your bookkeeper is full time, then they can do this weekly by using the online reports from your bank. If its monthly, then they will need to wait for the bank statement to arrive from the bank before they can finalise. However, keep on top of them for this – this report shows that the necessary process has been done to ensure that the month end has been closed off and that the cash in bank and any other payments or receipts are accounted for. Basically a bank reconciliation is done so that its guaranteed that your amounts coming into and out of your bank account are accurately reflected in your accounting software package.


I would also recommend requesting that your financial controller automatically sends a copy of your monthly reports to your accountant. This way your accountant can see where you’re headed from month to month. Depending on the size of your business, you could then establish regular meetings with your accountant – whether it’s monthly or quarterly – to discuss those reports and your financial plans for the coming month.

Once you are receiving these reports regularly, you will find that you become much more empowered in your business and your finger is never far from the pulse!

Source by Tabitha Wellman

Calvin Klein – Calvin Klein’s Success Story

Growing Up

Klein, born November 19, 1942, was taught by his mother to love fashion. He would often accompany her when she went shopping in New York City for affordable clothes. From an early age he knew he wanted to be a fashion designer, and taught himself how to sketch and sew.

Before he turned twenty, he graduated from the Fashion Institute of Technology in New York. He married Jayne Centre and began working as an apprentice sketching European coat designs for his employer Dan Millstein to copy. Klein, however, disdained the idea that the normative American practice was to imitate European fashion and longed to start his own company. He believed that original fashion ideas could come out of the States and he was just the innovator to make it happen. But the realization of his dream seemed a long way away since he was struggling financially and was working part-time at his father’s grocery store in order to make some extra money

Starting The Business

Calvin Klein Ltd. was formed in 1968. Klein took a $10,000 loan from a friend and used $2,000 of his own money to get it started. Rather than hunting out success, it stumbled upon him. His first order came from a coat-buyer for the large department store Bonwit Teller who got off the elevator on the wrong floor and saw Klein’s work. The buyer was impressed and ordered $50,000 worth of coats. In addition, an editorial praising Klein’s designs was written up in Vogue. Klein’s reputation was quickly established.

Five years after starting Calvin Klein Ltd., Klein moved away from solely designing coats and offered women a less-expensive alternative to the ostentatious European fashions with sportswear that could be identified as having “The Calvin Klein Look”. Men also were drawn to Klein’s comfortable outfits and masculine designs.

He was recognized for his accomplishments by being awarded the Coty award by the fashion press in 1973, 1974, and 1975, and his wealth grew as the public continued to buy his subdued clothing. But success troubled his home life and Klein and Centre divorced in 1974. Klein embarked on a period of partying and irresponsibility. By now a prominent public figure, Klein could be found nightly at Studio 54, but his days of unconcerned ease ground to a halt in 1978 when his daughter Marci was kidnapped. Marci returned home safely, but the incident frightened Klein enough to turn away from the publicity he once so doggedly sought.

Building An Empire

It was through a titillating ad campaign in 1980, featuring a 15-year old Brook Shields in a pair of tight-fitting jeans and the line “Nothing comes between me and my Calvins,” that pushed Calvin Klein Ltd. forward once more. This now much-emulated, sexually driven method of advertising was at once condemned by feminists, calling it pornographic. However, through this experience Klein learned that there is no such thing as bad press; in their first week, an astonishing 200,000 pairs of the tight-fitting Calvins were sold. In 1982, Klein was taken to court over an ad campaign featuring men wearing nothing but briefs embossed in the Calvin Klein name. Though some magazines refused to print the ads, the underwear sold incredibly well.

Due to the appearance of AIDS and the affect this had on the promiscuousness of the 1970s, the demand for the sexy, body-hugging jeans declined. The debt Klein had amassed by 1984 nearly toppled his fashion empire. Using $80 million in junk bonds, Klein refinanced the debt, leaving his company at great risk.

Klein married again in 1986. However, addicted to vodka and Valium around this time, Klein was admitted to a rehab centre in the Caribbean. By the time he got out, bankruptcy was imminent, but David Geffen, a friend from Klein’s days partying at Studio 54, helped him out financially and gave him the chance to begin again.

Saved from ruin, Klein went immediately to work churning out a variety of products. The CK brand of more affordable designer clothing, and, like Richard Branson, licencing the Calvin Klein name to sunglasses and other fashion accessories pulled the fledgling Klein back out on top.

Again controversy around one of Klein’s ad campaigns in 1995 prompted the FBI and Justice Department to investigate Klein for violating child pornography laws. Klein stopped the campaign, and eventually the Justice Department’s ruling came down in his favour.

With CK perfume and his CK jeans a success and money pouring in once again, Klein is undoubtedly the picture of a survivor who could have self-destructed, but because of a wealth of good ideas coupled with good fortune and diligence, he has become one of the world’s foremost fashion designers.

Source by Evan Carmichael

How Business Firms Can Influence the Government In Making Favorable Monetary and Fiscal Policy

Monetary and fiscal policies are the two different tools taken by the authorities. Monetary policy is taken by the central bank of any country. And fiscal policy is taken by the government By nature two policies have different effect and implication. The economic condition, government vision etc influence in selecting what policy should be taken.

Basically the aim of those two policies is to promote and foster economic growth, increase the GDP, creating employment and over all make positive impact on the economy.Those policies are very much important and concerning matter for the business community. Business firms would be interested to expand their business and making larger investment if monetary and fiscal policy are in favor and keep interest of them.

The business firm can influence the government in the following ways to make favorable monetary and fiscal policy:

1. Collective bargaining:

Business communities sometimes arrange different trade shows, seminars and discussions where top government officials like finance minister, governor of the central bank are invited. On that meeting business communities can express their concern and try to convince in making certain policies. Sometime, delegates from the business community meet with prime minister, finance minister on this issue. This can be one way from which business can influence government

2. Private public partnership:

Business firms can offer government private public ownership in some industries. In doing this, government can save some capital that is shared by the private community. And another benefit of this, if government become partner then the policy will be in favor of the business sector. This concept is very much helpful if governmental policy is to boost up the economic growth and rapid industrialization.

3. Privately owned country service:

If the business sector (i.e. private firms) take initiative to do some country service like environmental clean up, waste management, and in return want some favor such as tax reduction on some specific business, it’s become another way to influence government in making favorable monetary and fiscal policy.

4. Creation of certain jobs and get privilege on any industry:

Creation of employment is another concern for the government. Government always tries to provide new job opportunities for the unemployed people and try to achieve higher employment in the country. Business firms also do business for profit motive. In doing this they need employees. If business firms assure the government that they will create certain new job opening in the market and wants to get some facilities for their business, then monetary and fiscal policy can go in favor of the business.

5. Assurance of incremental social responsibility:

Corporate social responsibility is another issue that business firms have to do in the global business world. Some issues like acid violence, dowry, tree plantation, awareness against some fatal disease etc. here business can help. In return they can demand government giving some facilities. Government thus makes some favorable monetary and fiscal policy.

Apart from the above issues there are something that business can influence government in making favorable monetary and fiscal policy. Those are quite unethical but it has existence in the modern world.

6. Bribe to the government officials:

Sometimes this unethical practice can be seen in some third world countries and even in some developed countries. Bribing the government officials business sometimes make favorable policies.

7. Forcing government by stop production, chaos:

Some times business firms can take negative actions like work stoppage, stop export etc to create government to give some facilities and make favorable monetary and fiscal policy.

Actually all the policies of the government trigger the benefit for the business sector. Business firm can influence the government in making those policies using the above discussed ways.

Source by Md. Masudur Rahman

Custom Web Design – Bad Expense or Wise Investment

Price is one of the major factors in determining the type of web development that small business owners would choose to invest in, which is either pre-designed website template or a custom coded website. Since the price of creating a custom website ranges far and wide, from a thousand to ten thousands of dollars, businesses usually stay away from custom website developers, and would rather go for pre-designed template developed websites built on platforms like WordPress. Template developed websites are less pricier than custom built sites, however the costs saved usually make up for the lack in flexibility and capabilities.

More value

In general, custom websites may cost higher than template website designs on the average, but not all of them cost more. A lot of WordPress designers who use pre-purchased web templates charge as much or even more than the reasonably priced web developers. Actually, both custom programmers and template designers have a wide range of prices for their services. If price is a critical factor for your site, shop around to come up with the developer that offers the best quality and price. You will discover that custom web developers offer the same, or even more value than their template designing equivalent, but usually at the same or lower price.

Safe SEO

Many business owners like the idea of a DIY website platform simple because it is fast and simple. You are eager to make public your site immediately, so visitors can land on it. However, when you launch your site now, then make changes when your business expands later, this could hurt your SEO. As an example, when you change website design, web hosts and content management systems, this will affect the way your site is ranked and indexed.

Most often than not, making changes in a site results to 404s, as well as broken links. This confuses the search engines and makes your page ranking go down. If you do not know how to analyze and solve these problems by yourself, your brand will be hidden underneath search results, and may be covered by your former site. In effect, you will wind up paying double; one is for the original template to introduce your site, and another is to redesign completely once your business expands.

Robust capabilities.

Template websites are limited when it comes to structure, navigation and widget applications, while the functions of custom developed websites are only limited by the imagination and skill of the developer. In reality, majority of businesses don’t just need a website, but one with custom applications that are able to manage, analyze and display content and/or data. According to owners of large businesses, template websites do not have the functionality needed to run custom-built applications that will help their businesses and websites to run very efficiently. Website templates match their included simple widgets in terms of flexibility.

Source by Karina Popa

Trump University – Wealth Builders Blueprint – A Review

We all have a dream that we’d like to be wealthy, because wealth gives us the power and freedom to choose our lifestyle and have the things we want, maybe even to help others, or simply to feel the joy of success. Fortunately, we live in a world just oozing with opportunities to fulfil that dream.

So why isn’t everyone wealthy?

What is it that makes the difference between the truly successful and the dreamers? How do the Donald Trumps of this world get to where they are, while so many others only wish they could.

Personally, I wouldn’t like to be Donald Trump, but I would like to have his money. Ah! Hold that thought! Apart from winning the lottery, or inheriting a fortune, how could I ever hope to have Donald Trump’s money without doing what he did. To do exactly what he did, I would have to be him.

That’s the point.

It all starts with a mindset, a way of looking at yourself and the world. Then comes action and that start with self eduction.

Fortunately, Donald Trump had made it easier for those aspiring to the secrets of wealth. He has given us Trump University and in particular, the Wealth Builders Blueprint.

Trump University is an online university, offering correspondence courses in real estate, entrepreneurship, management negotiation and wealth creation. It boast 100,000 students in over 100 countries worldwide and has brought education pioneers together and compiled a curriculum which has been packaged as online courses, CD audio courses, discussion groups and email newsletters, as well as speaking dates for Donald Trump and his associates.

Whether you want to learn about debt elimination, personal finance, real estate investing, evaluating stocks, trading options, or just simply how to start your own business and build a fortune, Trump University provides courses which cover all of the above. They also offer telephone coaching.

Trump University’s signature program is the Wealth Builders Blueprint. It is a comprehensive, 7 hour home study course that claims success is virtually guaranteed if you follow the program. The Wealth Builders Blueprint covers issues such as… turning goals into action, mastering the mysteries of money, how to persuade others to pay for your talents and ideas, starting a business, retiring on real estate riches, how to excel in your career.

The course claims to provide 60 detailed action steps, precisely calculated to deliver real-world results.

No one else can be Donald Trump because he’s the only one that looks out at the world through those eyes. But Trump University offers to teach the same secrets he used to achieve the kind of outstanding success that has elevated him to guru status among business hopefuls.

Source by Peter Halpin

5 Hidden Costs of Motorcycle Ownership

A lot of the time when people buy things like cars and motorcycles, they only look at the actual sticker price of the vehicle. While this is obviously a major part of determining your ability to afford something or not; it is not the whole story. Cost of ownership is a large part of owning any motor vehicle that is often forgotten about until it is too late. To help you understand what it could really cost to own a motorcycle, here are the 5 hidden costs of motorcycle ownership.

Motorcycle Insurance

Motorcycle insurance is the largest hidden cost to owning a motorcycle. As safe and good a motorcycle rider as you may think you are, accidents are bound to happen and are often times not even your fault. When talking about how common motorcycle accidents are, many people say that its not “if” you are going to crash, it’s “when.” Insurance companies understand this so personal liability insurance for an motorcycle rider is often extremely high. Motorcycle insurance is also expensive for the bike itself do to that same probability accident probability.

Motorcycle registration

Other then purchasing the motorcycle and paying for the insurance, many people forget that you have to pay for registration. Just like with the insurance, this a recurring cost that will have to be made annually. While the price of the registration wont break the bank in and of itself, when stacked onto all the other hidden costs, it can really be a burden.

Motorcycle Maintenance

The next thing on the list after motorcycle insurance and registration is maintenance. Following the dealer recommended regular maintenance is important if you want to keep your motorcycle in top running shape for a long time. While this may be expensive, it will be cheaper than having to buy an entirely new motorcycle if yours breaks due to not following proper maintenance.

Motorcycle Modification

While not an essential part of motorcycle ownership, the modification of ones bike often comes shortly after purchase. Everyone likes to customize their motorcycle in order to make it their own and we cant blame you. Those aftermarket parts aren’t cheap though. Some people even spend more money on parts then they did on the whole motorcycle to start with!

Motorcycle Financing Interest Payments

Most people who buy a motorcycle cant afford to pay for the entire thing up front. This means that they have to finance the motorcycle with either a bank or the dealership they bought it from. The ability to do this comes with our last hidden cost known as interest. Sometimes people ending up owing more to the bank then the motorcycle is actually worth! This is never a position you want to be in.

Above you will find 5 hidden costs of motorcycle ownership. Unfortunately, these are not the only hidden costs you will encounter when owning a motorcycle however. When purchasing a bike, be sure to do all your research and make sure if owning a motorcycle is really something you can afford in the long run!

Source by Ryan Starter

Home Selection Checklist – A Good Aid When Choosing a Home

This home selection checklist is a tool to help you select a home that is right for you and your family. Before you select a home and get a mortgage, you need to know if you will be happy with the home you select for the coming years. Home selection is a major step in your life and using a checklist to select smartly will help you think of all the things you need to realize about a home before you buy. Take a checklist with you to each home you might select and write down all the important home selection points on the checklist. Use the checklist for each potential home selection and you will have a “fact book” to review and analyze before your final home selection.

These important factors in home selection are designed to help you create a checklist of your own.

You can then research homes for sale and checklist how each home compares to other homes you’ve selected to view. By the time you are ready to get a mortgage you will know, from the selection checklist, exactly the pros and cons of each home.

  1. How old is the structure? Older homes require more maintenance. Mortgages on older homes can be more difficult to obtain. Mortgage insurance and the homeowner’s protection required by the mortgage company you select can be more costly on the home. Note on the selection checklist any items which need repair if you select that home.
  2. How many stories is the home? If you or a family member is aging, or you expect to live in your home selection for years, stairs can be a major problem. If you are young and won’t live in this home selection for years, this shouldn’t be a problem. Place this on your selection checklist if it is a concern for you and your family. Note on your home checklist any selection items which might make family visits difficult.
    It would be a major inconvenience to say the least if your family can’t visit because of stairs or hills.
  3. What material is the home construction? Concrete slab and block construction homes
    pose a lower fire threat and this will reflect in your home insurance and maybe
    even mortgage rates. Place the building type you prefer on your home selection
  4. Kitchen area: How large a kitchen will suit your lifestyle? Is the refrigerator ancient or newly new? Is the stove in good condition? Do you prefer to cook with a gas or an electric stove?

    Do you want a garbage disposal? Determine exactly what is important in a kitchen, and place those selections on your checklist. Then rate each property you might select as to how many of the checklist features are included. Of course, some selection checklist features are easy enough to add; other selection checklist features can’t be changed.

  5. Living areas: Is a formal living area and a den an important selection on your personal selection checklist? List on the home selection checklist each need. Are there windows for plants, if you are
    a plant-lover? Is the carpet in the potential home selection in good condition? Think about these
    items before signing a mortgage! Note any probable expenses on your home checklist for later review. Use these in budgeting for your mortgage
  6. Laundry facilities: Does your home selection have laundry hookups that will not require you to run up and down stairs to bring laundry from bedrooms to the washer? Are the hook-ups in good condition? Note on the selection checklist. Place on your selection checklist any items you would select to replace upon moving into the home. Write on the checklist the anticipated cost of replacing the items you select as unacceptable. Remember to budget so you can pay the mortgage plus refurbish the home selection after purchase.
  7. Bedrooms: Is your family formed or do you plan on more children? Are there enough bedrooms to allow guests? Is the master bedroom in the home selection large enough? Obtaining a mortgage on too small a home can be a major error. Place on your selection checklist exactly the size home you need to select.
  8. Closets: Will there be enough closet space for your family’s clothing? Place on your checklist how many closets you require.
  9. Bathrooms: Will there be enough facilities in your home selection to allow everyone space for their personal items and plenty of time to use facilities. Large families require several bathrooms; be sure to put this on your home selection checklist! A selection that needs bathrooms added plus mortgage payments can be expensive. Consider this in your mortgage budget.
  10. Roofing: Take a look at the materials and condition. If the roof looks as if it will need repair soon, consider this major cost in your mortgage pricing. Roofing is very expensive. Research the cost of replacing a roof
    before you make an offer. Note these costs on the home checklist. Will your budget cover mortgage and roofing expense?
  11. Water heater: Look at the water heater and determine condition. Look for
    places that may have leaked and any damage resulting. Also, is the water heater
    gas or electric in the home selection? More notes for your home checklist.
  12. Air conditioning / heating: Do these units in the home selection appear to be old or new? Are they energy efficient? If you sign a mortgage on a home only to learn the entire heating or HVAC requires replacement, you could cause yourself financial stress. Checklist the estimated age of each appliance and piece of equipment in the potential home selection. Include checklist notes of expenses for replacing older items. Place in your home mortgage selection notes that you may want a home inspection or warranty if equipment looks older; your checklist selection can save you from making a major mortgage error!
  13. Utility Cost: Don’t be afraid to ask the home owners to see electric, gas and water bills. If your home selection is well insulated and energy efficient, they will be happy to show you. Energy costs are important points on your home selection checklist.
  14. Neighborhood: Do you want to be in a gated community? Is a play area for children nearby the home? What about schools? Is the neighborhood surrounding the home selection clean and attractive? Ride around the neighborhood; see other homes to learn about the area before making your home selection to mortgage. Secure neighborhoods help not only ease of mortgage approval, but on insurance as well. Checklist this item on your home selection list.
  15. Yard: If you have children or pets, you may desire a large yard. If you are a gardener, a nice yard is important. Again, checklist everything that truly matters in your ideal home selection.
  16. Parking: Is there space for your vehicles and guests? Is there a garage? Carport? Is the driveway in good condition? Include on your home selection checklist what matters to you. Again, if these require repair, put these notes on the checklist so you can budget
  17. Future expansion: If you wish to expand the home at some future time then is there space on the property without crowding? Consider the future before you mortgage a home that you may have to sell later as your family needs grow.
  18. Zoning and Restrictions: If you have a home business, is it permitted in the
    potential neighborhood? Selection of a home which prevents the activities you value would be a bad mistake. Some communities have restrictions regarding working on your car or motorcycle, parking a boat and other issues you need to know before
    making your final home selection. Keep this point on your selection checklist if
    you work on your car or have a boat beside the home.
  19. Work: Is the home of your selection near your workplace? If not, is it easy to access the expressway for an easy commute from home? Will you come to hate the idea of going to work from
    this location? Note on the selection checklist for your home the miles you will
    drive per day and the cost.
  20. Shopping: Groceries, and convenience stores, gas stations and the like should be in close proximity of your home selection. Note on your selection checklist how far from home to the nearest shopping centers. Checklist where you would go from your home to shop.
  21. Sidewalks: This checklist point for home selection is important for families with children. If there are no sidewalks,
    then children won’t be able to easily walk to visit friends, ride bikes, or do other activities children love to do. Also, checklist if you like to take strolls or walk for exercise yourself.
  22. Amusements, churches, activities: If you have activities you like to do, consider the drive time from the home selection. Will your children’s movie visits on Saturday become a long drive? Are at least a few doctors nearby the potential home? Amusements your family enjoys should be reasonably easy to reach.
  23. Neighborhood Lighting: If you like to go out at night, or your children will be playing outside, is the area well-lighted? Not only are these selection criteria important for your children, but burglars just hate a well-light home and neighborhood! Checklist some safety issues you need before considering a mortgage.
  24. Traffic: If you have children, your new neighborhood should be low traffic. Also, traffic equals noise. Consider this important fact as well. A home on an expressway has frustrated many.

This home selection checklist points are meant to help you think to checklist important home selection options before obtaining a mortgage for a home. Make yourself a custom home selection checklist that includes the things that matter to YOU and YOUR FAMILY, and then take this along when home shopping. With a checklist

in hand, you can make the selection that will make you happy for years and years!

Source by David Chapman

Tranont OneView: All Out Review

Tranont is a fairly new Network Marketing company that has a mission to help get people out of debt. This report will analyze the facts, and give you Tranont OneView Reviewed, Analyzed and Dissected. I am a third party that is not promoting Tranont, and highly experienced in reviewing Network Marketing opportunities. Therefore, this may be one of the most unbiased, and informative reviews you will be able to find on the company.

First, Let’s look at the Product. Tranont has a debt elimination software that helps you view and manage all of your financial obligations on one page(Hence the product’s name; “OneView”). You simply input all of the information for your credit accounts, expenses and mortgages into their unique software and it runs a mathematical algorithm that supposedly can take years off of paying down your debt.

The problem with banks and credit cards is that they don’t want you to be out of debt. Debt creates interest, and interest makes money for the banks and credit agencies; the more debt you have, the happier the banks are because it makes them filthy rich. Tranont is claiming that they have figured out a mathematical Algorithm that can help you use their own system against them, and get you out of debt one heck of a lot faster.

For me, this product would be useless, as I adopted a philosophy when I was young to not spend money that I don’t have. However, I am well aware that most of the free world has gotten suckered into the attractive trap of “buy now and pay later.” Some group of Sleazy Geniuses sold this damaging philosophy to the world, and our economy is suffering greatly because of it. It’s another long discussion off the subject, but this is basically how banks are able to ‘create money out of thin air.’

I am a firm advocate of people freeing themselves from the chains of debt, so if this product actually works, and shaves years off your debt, I would say that it is well worth it. Let’s be honest, most people have basically no idea how money works, and it would be pretty nice to have some computer tell you how to stick it to the banks, rather than spending years trying to figure it out on your own.

Now, let’s take a hard look at the opportunity end of Tranont. It is basically $350 to join Tranont, and the monthly fee is about $60 a month. Their compensation plan has pretty high payouts on the front end, and pays out from ‘cycling’ through their matrix. There are also residual income streams that pay out 9 levels deep. I didn’t do an in depth mathematical dissection of their comp plan, but on the surface it appears to have a fairly descent payout.

So, what are the possible problems with Tranont? First of all they are brand new. This is both a positive and a negative in that one has the opportunity to be on the “ground floor,” but who knows if the company is going to make it long term. One thing that I couldn’t find in my research is the financial stability of the company. Being that their product is a debt elimination program, I would assume that they have a solid financial base, but if you are looking into the opportunity side of it, I would confirm that before making a decision. Take for instance what just happened to Eiro Research, the company Ty Tribble was marketing for, here is an excerpt of the letter they recently sent this to their distributors:

“It is with regret that I announce to you the Eiro Research has officially ceased operation. While the company experienced strong early growth and reached profitability quickly, revenues declined dramatically in November-December, 2010 and management believes the company is no longer sustainable.”

The second problem that I see is the probable vision of the company. The company’s vision is to market their debt elimination software, and for the time being, they have chosen to do that through the network marketing model. I can’t find the information on who exactly owns the company, but I am willing to bet that it is a traditional corporation that is not made up of Network Marketers. Why is this important?

This is critical in choosing a company to market for long term. There are numerous accounts in the industry when a company simply “decided not to do network marketing anymore.” My brother, David, had a six figure income in ILearningGlobal, and the corporate leadership decided to switch to a “traditional model.” The same thing happened with Excel Communications in the 90’s. Who owns the company, and what their background, and long term vision is, should be a major factor in choosing your opportunity.

My professional analysis is that Tranont has a killer product(if it works), and the opportunity pays out well. They don’t have any signs that they are a scam, and their mission to get people out of the cycle of debt that the credit companies have put the free world into is commendable. If you are looking at aligning yourself with them, I have a few suggestions:

  1. Research the financial stability of the company.
  2. Find out who owns it, and what exactly their long term vision is.
  3. Try the product, or research it extensively, to see if it actually works before you start marketing it.
  4. Brand Yourself, so that you can have a list of leads to start over if the company goes under, or decides to switch to traditional marketing.

Whether one ever uses Tranont’s OneView Product or not, everyone should be actively working to get out of debt.

Source by Aki Wood