by: Daniel Reed


The key to becoming a successful stock investor is to know the difference between a great investment and a bad investment. Many investors assume that great companies are great investments, but this is not always an accurate assessment. Sometimes, a wonderful business can make a lousy investment.

Most stock investors can be classified into two investment styles: value and growth. Value investors utilize an investment style that favors good companies at great prices over great companies at good prices. These investors use such valuation measures as price-to-book ratio, price-to-earnings ratio, and dividend yield to determine the attractiveness of an investment. Growth investors invest in companies that are growing their earnings and/or revenue faster than the industry or the overall stock market. These companies usually pay little or no dividends, instead preferring to use profits to finance future expansion and growth. Value investors prefer to own companies at good prices, and growth investors prefer to own great companies and price is a secondary issue.

Which style is better? It depends on the investor. Stock investors with a lower tolerance for risk should consider investing a larger portion of their portfolio in value stocks. Investors with a higher tolerance for risk should consider investing a larger portion of their portfolio in growth stocks. However, investors who want to avoid under performing the stock market as whole should always invest at least a small portion of their portfolio in both investment styles.

Over the long term, value has outperformed growth, but from time to time growth has outperformed during the short term.

Stock investors should be aware of the following:

1. The stock market rewards different styles at different times.

2. Value investors tend to be buy-and-hold investors, and growth investors tend to be more short-term oriented.

3. It is very difficult to determine which style will outperform in the short-term.

4. The variance between performance of value and growth styles can be very large during short time frames.

5. For some growth stocks, growth never does come. Eventually the share price falls.

6. Some value stocks are cheap for a reason - they are bad stocks and they deserve to be cheap.

Overall, the best investments are those companies that able to grow profits and add shareholder value. These companies have traditionally been value companies. Investors who prefer to select their own stocks should consider a value approach and complement these investments with a growth mutual fund. Remember that selecting the wrong growth company is not as forgiving as selecting a value company erroneously, as the market correction in growth stocks in early 2000 showed us.

About the author:
Daniel Reed is the author of "How to become a successful stock investor" , visit his website "http://www.funinusa.com" for more stock trading information

by: Joaquin de la Sierra

A nice goal to reach is the 20 dollar mark. I breached that about six months ago, and let me tell you something: The hardest part is to reach 20 dollars. From there it gets easier every time for a very mysterious reason.
My strategy was to write good content ever since the beginning. If you are wondering, this website is not the one which brought me that glorious revenue - it happened from a history site!
Of course I was just learning back then and each click from that history website brings me around 20 cents - but nevertheless, I learnt that there is no limit to the revenue that one can make online.
From that history website I am making up to $50 every day now. That combined with a couple more websites I have have brought that number to the mid XXX. WOW.

That only happened in one year. Of course you can make it happen too and it's not as hard as it seems. All you need is patience and guts because if you lack either, you're getting nowhere.
Here is how to reach that dreaded $20 mark: (from the beginning)

1. Choose a niche
2. Purchase a domain name (read my previous entry for more info).
3. Write as much as possible.
4. Keep writing.
5. Write even more.
6. Place ADS in ever page.
7. Optimize.
8. Write more.
9. Repeat everything (that's right purchase another domain name).

This will lead you to success believe it or not

This article shows some information providing to you of how to start your home based business. Surveying, researching and learning of how this business work will help you a lot before you start this business by yourself.

Search the internet and you will find out the right work from home that suit you the most. Search results on Google for work from home now list’s over 1,920,000,000 results and Yahoo list’s 1,300,000,000 work from home results, from this number you can see many research providers waiting for you to give you their best service everywhere on internet world.

Search Engines are constantly on the "look out" for freshly written content that has been submitted online. You don’t have time to spend weeks or months searching for a real work at home job opportunity. So, those providers on internet will help you out and you can choose any of professional research companies to help you to reach your goal.

You have to learn more by surveying and researching and pick up the best companies to match with your target. For example, if you want to start your business by publishing your article, you have to be the best article writer, but how. There’re a lot of tool you can find out to help you to write the best article like a professional.

If you want to use SEO, you will need to find out the best SEO provider for you on this matter. You can start with the search engine optimization area and you may learn from forum that people have a specific discussion or you may learn from newsletter of website that have the same business and the same goal and you do. And the important thing is you need to learn how they do and manage to give you more variety experiences from others.

If you do not currently work for a company that allows employees to telecommute, you can begin searching for those that do. I've also searched like you, but all the companies asked some money even before they actually give us the work. Since every website needs to make it to the top in the search engines, this job is in high demand. So, this is already making your process easier and you will find a lot of information out there online

About The Author

Tsuyoshi E. Suzuki is an Expert Internet Network Marketer. Discover How To Build Up 1,000+ Downline. Generate Your Own MLM lead for FREE! Find out the best MLM business opportunity. The Dirty Truth about MLM Marketing that You Don't Know. Get FREE Report Now! Go to ==> http://www.HappyMLM.com

What is the best work based from home job for you is entirely a personal and professional decision. It is a big step from being employed to working for yourself, so plan as far ahead as possible and think about the effects on all areas of your life to prepare yourself, before you leave your job. Whether you own a full-time, home-based business or your job allows you to occasionally work from the comfort of your home, there are many things that can distract you from getting your work done.

Before you up and quit your day job, you need to look at many different things that can and will affect your ability to work from home. If you work at a job that stresses your back--medical work, warehousing, mechanical occupations, and garbage collection are top contenders. You may need to do more than just practice good lifting technique. Another area of consideration when trying to determine the best work based from home job for you is whether you are a “creative” person or a more business-minded person.

At the other extreme, those who are working at home for the first time, may be tempted to relax all day long, watch television, go to the local pub or whatever it is they like to do, and never actually settle down to any work. For those who have a daily grind of commuting to their job, sometimes long distances and for an hour, two hours or even more, the thought of working at home may seem like a dream.

If I manage to achieve the same success working from home during the day as I have over the last year working a few hours here and there in my spare time I’ll be well on my way to becoming a full time home business entrepreneur. Should I decide to do this I’ll be taking the huge step from working on my business in my spare time to earn some extra money, to working half the week for myself. With action I mean the following, be willing to invest some of the money you have earned working for a boss.

Wouldn't you love to be one of those people on the other end of the line providing that information, working at home being your own boss, starting every day with checking your bank statements just to notice that you've made another heap of money while you where sleeping. It is always good to know the experiences that other people have had with the business opportunity that you are researching. Many people facing the threat of being laid off do not have a clear, transferable set of skills that they can use in their own business.

If you are interested in taking part in an MLM business, it is the best idea for you. Once you build downline, you will have working team with same goal "work from home". For more information about MLM business, make sure you follow the link in the recourse box below now.

About The Author

Tsuyoshi E. Suzuki is an Expert Internet Network Marketer. Discover How To Build Up 1,000+ Downline. Generate Your Own MLM lead for FREE! Find out the best MLM business opportunity. The Dirty Truth about MLM Marketing that You Don't Know. Get FREE Report Now! Go to ==> http://www.HappyMLM.com

If you're looking for a quick and easy way to start making money online, consider joining one of the Web's free affiliate programs.

There are endless free to join affiliate programs available on the 'Net — in any category you might be interested in.

And joining an affiliate program is without a doubt the easiest way to start earning an online income.

Here's how it works.

You become an affiliate for another company's product by joining their free affiliate program. Then you promote their products or services on your website. Anytime someone you refer buys something from them, YOU get paid a commission.

And the best part is that it doesn't cost you anything to get started!

Most good affiliate programs will offer you free resources to help you promote their products effectively. Things like banner ads, salescopy, or product photos that in many cases have already been tested and proven to work.

You simply download them and use them on your website.

Why are they willing to do this?

Well, the better YOU are at promoting their products, the more visitors and sales THEY'LL receive. So everybody wins!

You're helping them get customers that they might not have been able to get otherwise. And you earn money for doing so!

The amount of money you can earn from affiliate sales will depend on a number of factors:

Commission amount. Companies will offer anywhere from 5% up to 50% of a product's sale price — a BIG difference.

Price point of product or service. A higher price point means a higher dollar amount for you, depending on the commission. This should be balanced with the commission amount.

Potential volume of sales you can make. Some highly specialized products can sell far more infrequently than others, limiting the number of sales you can make in a given time period.

How effective you are at promoting their products. The amount of time and effort you're willing to put into promotion is a HUGE factor. Techniques like building an opt-in list and using email marketing to build relationships with your site visitors can catapult your earning potential.

There are a number of ways to find free affiliate programs. But if you're just getting started, you might want to check out affiliate directories like AssociatePrograms.com and AffiliatesDirectory.com. They provide lists of credible free to join affiliate programs that have been pre-screened.

You can also sift through websites that sell products you're interested in. They'll tell you if they have a program they can join.

As an affiliate, you earn a commission for any sales made by people who click through from your website and purchase an affiliate product. So making money with website affiliate programs is dependent on maximizing the number of sales your site visitors make.

And in order to maximize sales, your website needs traffic -- and lots of it!

Here are some techniques that will help you send visitors to your website:

Achieve a high ranking in the search engines.

Make sure your website includes keywords that target your particular market. When the search engine "spiders" come to index your site, they'll boost your site higher in the rankings for those keywords. Ideally, you want your site to show up on the first or second page of search results.

Write short articles that will be distributed all over the Web.

All that's required is about 400 words on a subject related to the product you are promoting. Include your byline and a link to your website at the bottom of each article, then submit them to free article directories, like EzineArticles.com.

When other site owners who are looking for content for their own sites republish your article, your name -- and site link -- will be propagated all over the 'Net.

Buy pay-per-click traffic.

One of the fastest ways to drive additional traffic to your site is by advertising with pay-per-click search engines, like Google AdWords. All that means is that your link shows up in the section for paid advertisers. Then every time someone clicks on your link from a search engine results page, you pay a pre-determined amount.

Build a list of visitors' email addresses.

This allows you to contact your visitors again with valuable information that will lure them back to your website. Or, you can even promote affiliate products directly by email.

It's a great way to build relationships and trust, which translates into more sales over time.

Once you've got these tricks working for you, it is much easier to start making money online with affiliate programs.

Are you focusing your search engine optimization efforts on getting tons of traffic from the search engines?

If you answered yes, then I am about to tell you something completely different from other Internet Marketers.

Forget about getting tons of traffic from the search engines. Get LESS traffic that converts MORE!

The Secret to Turning Keywords into Conversions is to Keep Your Keywords Focused

For example, if your site sells an all-natural remedy for acid stomach problems...

You start to do your keyword research and you discover that the keyword phrase "natural remedies" has 288 daily searches. But it has over 2,000,000 sites competing for it.

While the phrase, "acid reflux natural remedies" has 67 daily searches with just over 11,000 competing sites.

Do you want to spend all your time and effort trying to optimize your website for the first keyword phrase?

You may get more searches, but you'll never know how many of those searchers want to buy your stomach acid remedy. Not to mention the HUGE number of competitors the keyword has!

Or would you go for the second term, which only has 67 people searching for it -- knowing those 67 people are looking for EXACTLY what you offer? And, it has a MUCH lower competition number to boot!

Obviously, the second term is better!

Sure, you might get less traffic -- but the visitors you DO get will be MUCH more likely to buy your product.

Why You Will Make More Money with Less Traffic That Converts More

People search the Internet to find a solution to a problem and not necessarily to buy something. So what problems will they solve by coming to your website?

Think of a keyword as a "problem statement" that someone would type into the search engines.

When you can match your keywords to the exact problems they're trying to solve. You'll attract the BEST visitors to your site so you can focus all your optimization efforts on them!

Here are some more keyword research tips that will help you turn keywords into conversions…

Top Search Engine Optimization Tips for Finding Highly Focused Keywords That Will Bring the Absolute Best Buyers to Your Website:

Check your server logs. See what keyword phrases people are actually using to find your site. If there's something relevant that you've overlooked, build a page focused on that keyword phrase.

Also look for keywords that are causing people to leave right away because they're not finding what they're looking for. Ditch those keywords immediately.

Look for "intention." Say you sell cross-country ski equipment. People can come to your website looking for different things.

For instance:
They're looking to buy a specific product
They're looking for product reviews
They want information on how to get started in cross-country skiing
They want used or discount equipment
They want to know what kind of equipment will be best for them
They want to know what's new and hot in cross-country ski equipment

Same products -- far different intentions!

If you optimize a page (or pages) for each different problem people are trying to solve, you'll give them what they're looking for…

That means they'll stay on your site longer -- and you'll have a better chance of getting them into the sales process.

Check out your competition. What keywords are your competitors optimizing for, and on what pages?

You can spy on them by going to their websites and looking at their code!

In your web browser, just go to View on the main menu and click on Source or Page Source to "look under the hood" of any competitor's site. Then you can see what they're doing right and what you could do better.

Find your best keywords with pay-per-click advertising. This is the fastest way to find out just how well different keywords perform.

Pay-per-click lets you run ads based on two or three different keywords at the same time. This enables you can track which ones convert best. Make sure the ads click through to pages that relate directly to the keywords.

Focus your SEO efforts on the specific keywords that describe EXACTLY what problem each page solves. Don't be tempted by more general keywords with higher traffic numbers. They'll never send you the traffic you want.

Follow these search engine optimization tips and you will turn keywords into conversions.

Keywords: how to make money online, how to start internet business, ways to make money online, internet marketing course, online marketing course, internet marketing training course, web marketing course, how to start an internet business, e business strategy, online small business course

About The Author

Derek Gehl helps over 1.8 million Internet business owners per month create incomes of $100,000 to $2.5 MILLION or more per year. Now you can discover the exact roadmap - broken into 6 easy-to-follow steps – that Derek uses to make money on the Internet in record time with minimal investment at: http://www.marketingtips.com/tipsltr.html?s_cid=PRLEAD http://www.marketingtips.com/tipsltr.html?s_cid=PRLEAD

Topic 1 ~ Your Email Subject Lines ~

How To Write A Good E-mail Subject Lines That Works?

Here are the 5 tips:

1. Ask a question. One of the best ways to get a reader's attention is to ask a question. But like a trial lawyer questioning a witness on the stand, make sure it'll get you the response you're looking for. "What's the best way to grow your business?" is a great subject line for business owners. After all, what business owner wouldn't want to grow his or her business? Or let's say you run a health club. An e-mail with the subject line, "How can you lose 5 pounds in one month?" would certainly be compelling. It's important your question be relevant to your audience.

2. Be a tease. A clever subject line can be enticing. When it's done right, reader curiosity is piqued. They want to know more--and they'll open your e-mail. Writing a teaser-style subject line requires some creativity, and your content needs to deliver. A company that sells high-definition TVs could use the subject line, "You're not going to believe your eyes" as a teaser to introduce a new addition to their product line.

3. Tell it like it is. Often, what works best is to say exactly what you want your reader to know. Examples of this straightforward approach are, "Sale on all sweaters this weekend," "Master jazz pianist plays live this Friday" and "The seven secrets of a profitable business." This just-the-facts approach works especially well when you can appeal directly to your audience's interests. It's also the best approach to use when you send a newsletter.

4. Remember "WIIFM". When a person gets your e-mail, the first thing they consider is "what's in it for me?" They have a decision to make. Do they open your e-mail, leave it for later or delete it? If there isn't something about the subject line that lets them know why it's worth their precious time to see what's inside, then the choice will be clear. Keep WIIFM in mind when creating every aspect of your e-mails, including the offer, content, images--and most definitely the subject line. It's all about them. They know that; just make sure you know it, too.

5. Get personal. The more you can make each contact feel you're speaking directly to them, the more effective your communication will be. Whatever style of subject line you use, you can make it personal by using the word "you." Professional copywriters know the secret of using this powerful little word. Just look at the advertisements, mail and e-mail you receive. A few examples are, "Find the right swimsuit for you," "You can save 50 percent on travel," and "You'd look phenomenal in a custom-tailored suit." "You" is ideal, but "your" works too.

6. Not sure which approach is right for you? Try them all, and then show a friend or colleague to get their feedback. Pick the one you believe will be most effective for your audience. Whichever approach you choose, it's always worth spending the time and effort to write a great subject line. Because if your readers don't open your e-mail, they'll never have the chance to read the important message you've created for them inside.

Topic 2 ~ Increase Click-Through Rate (CTR) ~

How to Increased Click-Through Rate (CTR)?

Here are some guidelines:

1. Include a feature, a benefit, and an advantage in the opening. This needs to be used in a subtle way, but in the opening you're really doing a small marketing job for this issue of your email newsletter. Highlight an article or two that are important, explain what you're providing the readers that they won't get elsewhere, and tell them what the benefit will be. A great example is something like "Nokia and Sprint announced second quarter earnings today. Learn what our Wireless Week experts say about the results, and what effect you can expect them to have on the industry at large."

2. Put the email newsletter in the context of your readers' day. This goes hand in hand with the last point. Your readers are busy, and if you can make a compelling case for why they should stop what they are doing and take a few minutes now to read your email newsletter, you'll get them in. We recommend editors reference important events, upcoming trade shows, or other things that say to the reader "You will find it worthwhile to stop and read this email newsletter now, because the information in it will help you stay on top of your business."

3. Keep it fresh. Don't craft a "perfect paragraph" and use it issue after issue after issue. One of the keys to success is to keep the copy fresh and highlight items in that issue of the email newsletter. If you use the same generic language repeatedly, people will stop reading it and it'll be a waste of your time.

4. Keep it short. This is critical. We recommend no more than two to three sentences -- just enough to get them interested and pull them in to read the rest of your email newsletter.

Try it out and see the results! This is just one of the simple things you can do to engage your reader and optimize your CTR.

Topic 3 ~ Killer Email Sales Letter ~

How to Write Killer Email Sales Letter That Get Results?

Here are what we've found works best. Use these tips properly and your results will skyrocket.

1. Your email "from" sender line should be your brand name or company name and stay consistent. Use your own personal name only if that is your brand image.

2. Send emails only when you have something to say that will benefit the reader. No fluff. No filler. You must be relevant. If you can't be, don't send an email until you have something beneficial to say.

3. Start your emails with the specific benefit the reader can get from your message. You have no more than 3 seconds to pass the crucial "what's in it for me?" test.

4. The copywriting tone and language should be personal and conversational, instead of stuffy and "corporate".

5. Make a specific offer to the reader and, if possible, include a short deadline by which he must respond to get it.

6. Use as much copy as is needed to fully pile on all the benefits the reader will get by ordering, answer objections, create urgency, and close the sale.

7. Test your subject lines and offers on small segments of your list before you send the email to your entire list.

8. Include "Email this to a friend" service in all your communications for pass along and viral marketing.

Topic 4 ~ Good Call-to-Action ~

Get More Clicks With a Good Call-to-Action!

The call-to-action is a determining factor of your click-through rate. It is an important component of your email copy because it answers three important questions for the recipient. They are:

1. What you want them to do

2. Why they should do it, and

3. How to take that next step.

Whatever action you want your recipients to take, you can make it happen more often with a good call-to-action. First, decide what you want them to do:

1. Buy something

2. Sign up for a service

3. Fill out a form

4. Read an article or get more information

5. Visit your website or store

6. Make an appointment

Etc…

Then, make sure you incorporate these 6 characteristics to get the results you're looking for. Make your call-to action:

1. Visible - People read, react, make decisions and take action differently. Some make decisions right away ("You had me at hello.") and some need more details ("I'm from Missouri."). Place call-to-action links in the beginning, middle and end of the email so that recipients can click whenever they are ready.

2. Clear - Stick to simple words, short phrases, bulleted benefits and paragraphs of 1-3 short sentences. Include appropriate graphics and cut the clutter by making effective use of white space.

3. Compelling - Use action-oriented verbs and phrases: "buy now," "call today," "save" and so on.

4. Rewarding - Offer an incentive or reward for action. For example, "Act now and also receives...," or "the First 100 respondents will be entered into a raffle to win..." The giveaway, or prize, you choose should be closely related to your product or service. That way, you will be targeting customers who are interested in what you have to offer, not just the latest gadget.

5. Urgent - The longer an email sits in an inbox, the less likely it is to be acted on. Create a sense of urgency to get a more immediate response. Try limiting the offer to a specific time period, to the "first 50 customers," "while supplies last," etc.

6. Direct - Your call-to-action links should go to the appropriate page on your website with more details on the specific product or service you're promoting. If you don't have a website, the call-to-action might be store locations to visit or a number to call for an appointment.

Keep in mind that, in addition to repeating your call-to-action, you can vary your call-to-action to appeal to different types of buyers (and to fit your sales cycle). For example: "Click here to buy now" will naturally work better with loyal customers. The softer, "Click here to learn more" may be better for newer prospects.

Topic 5 ~ Avoid Common Pitfalls ~

Read Your Email Message Backwards to Avoid Common Pitfalls

Here are some common problems to look out for:

1. Misspelled words - It's a good idea to spell-check a document, but it's not enough. A spell checker won't catch every error.

2. Wrong word used - This is why a spell checker isn't enough. A spell checker will only flag words it doesn't recognize. It can't tell if a legitimate word is used incorrectly. Some words commonly confused: accept, except; your, you're; then, than; there, their, they're; cite, site, sight; lay, lie; loose, loosen, lose. Also, look out for a missing "r" in the word "your." It's easy to overlook a sentence such as "Visit our Web site now to receive you free copy."

3. Grammar error - Again, if you know you're not a good writer, have someone else check your writing for grammatical errors. Mistakes make you look bad.

4. Punctuation error - This is another area where you'll benefit from a review by someone who knows their stuff. If you're determined to do it yourself, purchase a good grammar or style book. One of the most common punctuation problems: Too many stupid commas!

5. Vague or confusing statement - Make sure every sentence is crystal-clear. You don't want your promotional message to raise more questions than it answers.

6. Illogical statement - Read over what you have written slowly. At the end of each paragraph, ask yourself: "Did that make sense?" Rewrite so that it does.

Topic 6 ~ Frequency of Sending Emails ~

How Often (Frequency) Should You Send Email?

There's no quick answer to the frequency question. It depends on the goals for your email and the type of content you send. Some rough guidelines:

1. Mail at least once a month. Mail less often than this, and you risk being forgotten by recipients. Monthly is the bare minimum if you want to keep your brand or company name top of mind (a common email goal).

2. Let content be your guide. Look at what you provide readers and you'll get a feel for proper frequency. Analyze how often the information changes and how quickly readers must receive it to act on it.

3. Work within your resources. A daily email requires many more resources than a monthly. Better a well-done monthly email than shoddy weekly or daily. It's recommended to start with a monthly. Once that's going smoothly, they can think about moving to weekly. You need to walk before you can run!

4. Watch for trends. Declining response, open, and click-through rates can be signs of list fatigue. Though some decrease is normal, watch carefully and cut back frequency if you see a problem. Don't assume if the unsubscribe rate is stable you're OK. Many people prefer to forward email directly to their delete folder rather than unsubscribe.

Topic 7 ~ Understanding Spam Filters ~

Understanding Spam Filters to Avoid Your Emails Get Junked!

If you send email campaigns long enough, you will inevitably run into spam filter issues. On average, you can expect 10-20% of your emails to just get lost in cyberspace, mostly due to overzealous spam filters. Unfortunately, there is no quick fix. If you want to avoid getting your emails junked by spam filters, you have to understand how they work.

Generally speaking, spam filters look at a long list of criteria to judge whether or not your email is junk. For example, they might look for spammy phrases like "CLICK HERE!" or "FREE! BUY NOW!". They'll assign points each time they see one of those phrases. Certain criteria get more points than others. Here's a sample of criteria from Spam Assassin, one of the most popular spam filters out there:

• Talks about lots of money (.193 points)

• Describes some sort of breakthrough (.232 points)

• Looks like mortgage pitch (.297 points)

• Contains urgent matter (.288 points)

• Money back guarantee (2.051 points)

• Why Pay More? (1.249 points)

It's easy to use "spammy" keywords in your email without even knowing it. Here are some common ways marketers unwittingly trigger spam filters with their campaigns:

1. Using spammy phrases, like "Click here!" or "Once in a lifetime opportunity!" too many times in your email. Sometimes, you can't avoid phrases like "FREE SHIPPING!" but use them sparingly, and don't do anything else risky.

2. Going crazy with exclamation points!!!!!!

3. USING ALL CAPS, WHICH IS LIKE YELLING IN EMAIL

4. Coloring their fonts bright red, or green

5. Coding sloppy HTML (such as by converting a Microsoft Word file to HTML)

6. Creating an HTML email that's nothing but one big image, with no text (since spam filters can't read images, they assume you're a spammer that's trying to trick 'em)

7. Using the word "Test" in the subject line (agencies run into this all the time, when sending drafts to clients for approval)

Topic 8 ~ Why Email Marketing Does not Work? ~

If Your Email Marketing Does not Work, Think Again Why?

Before you arrive at the faulty conclusion that email marketing doesn't work, let’s look at this from a different perspective for a moment that would make your emails ineffective.

First there's what you are writing in the body of the email. If this is your first attempt to get in touch with a prospect, what are you putting in the email? A dissertation? If it's longer than one or two paragraphs, it's too long. Look at your emails like an initial cold call. You need to laser in and deliver a compelling opening statement that's going to grab their interest and stimulate a conversation. Because there's no one to cut you off in an email or stop you from persistent pontification, people have tendency to ramble on and on in an email, giving the prospect the life story of the product or service they want them to consider. Keep it short and focus on the one or two benefits, opening up the opportunity to have a dialogue. That's it.

Second, are you sending attachments in the first email? No attachments! It's hard enough sending an unsolicited email to a prospect. Now you're adding more barriers and increasing the chances of your email winding up in their spam box or junk email folder. Some people have filters on their email that if an attachment is sent it automatically gets deleted. No attachment until that information in the attachment is solicited by the person.

Third, html or text? Once again, with all the email filters people use today, you will increase your odds by sending a text message only rather than trying to get fancy with formatting, graphics and pictures. The prospect really doesn't care about how beautiful your email looks; they care about the core message. Besides, they will never even get a chance to see your beautiful masterpiece in an html email if it's winding up in the trash.

Finally, you are using way too many spam words. As mentioned, the biggest enemy to email marketing or selling via email is the additional security that companies and individuals have on their network or computer. As such, the specific words you are using in the body of the email can be the culprit who is sending your email directly into the trash or spam box. In other words, you are using words that are often identified is spam and in turn, you email is getting flagged and deleted. Not even eye contact! The prospect is not getting a chance to, at the very least, see your email let alone read it and have a chance to respond accordingly.

Ending ~ Please Forward ~

Feel Free To Forward This E-Book To Your Friends!

Thank you for reading this e-book on “How to Make Email Marketing Works for Your Business”. This e-book provides useful guides on email marketing, and helps e-marketers to avoid several pitfalls in email marketing.

We hope you may regard this e-book as a book of guidance and that we can help you in your e-marketing effort.

If you think the outlined tips can help you, please take a few seconds to help us distribute or forward this e-book to as many people as possible.

I appreciate your time taken to read this e-book and I always appreciate reading your thoughtful and well considered comments, please drop an email to me at sales@blastsg.com if you have something to say about this e-book.

Thank you!

Regards,

About The Author

Mr. JH Saw

Loan

From Wikipedia, the free encyclopedia

A loan is a type of debt. This article focuses exclusively on monetary loans, although, in practice, any material object might be lent. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.

The borrower initially does receive an amount of money from the lender, which they pay back, usually but not always in regular installments, to the lender. This service is generally provided at a cost, referred to as interest on the debt. A loan is of the annuity type if the amount paid periodically (for paying off and interest together) is fixed.

A borrower may be subject to certain restrictions known as loan covenants under the terms of the loan.

Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding. Bank loans and credit are one way to increase the money supply.

Legally, a loan is a contractual promise of a debtor to repay a sum of money in exchange for the promise of a creditor to give another sum of money.

Types of loans

Secured

A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan.

A mortgage loan is a very common type of debt instrument, used by many individuals to purchase housing. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security — a lien on the title to the house — until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter — often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or finance institution and the consumer.

A type of loan especially used in limited partnership agreements is the recourse note.

A stock hedge loan is a special type of securities lending whereby the stock of a borrower is hedged by the lender against loss, using options or other hedging strategies to reduce lender risk.^{[citation needed]}

Unsecured

Unsecured loans are monetary loans that are not secured against the borrowers assets. These may be available from financial institutions under many different guises or marketing packages:

• credit card debt
• personal loans
• bank overdrafts
• credit facilities or lines of credit
• corporate bonds

The interest rates applicable to these different forms may vary depending on the lender and the borrower. These may or may not be regulated by law. In the United Kingdom, when applied to individuals, these may come under the Consumer Credit Act 1974.

Abuses in lending

Predatory lending is one form of abuse in the granting of loans. It usually involves granting a loan in order to put the borrower in a position that one can gain advantage over him or her. Where the moneylender is not authorised, it could be considered a loan shark.

Usury is a different form of abuse, where the lender charges excessive interest. In different time periods and cultures the acceptable interest rate has varied, from no interest at all to unlimited interest rates. Credit card companies in some countries have been accused by consumer organisations of lending at usurious interest rates and making money out of frivolous "extra charges". ^[1]

Abuses can also take place in the form of the customer abusing the lender by not repaying the loan or with an intent to defraud the lender.

United States taxes

Most of the basic rules governing how loans are handled for tax purposes in the United States are uncodified by both Congress (the Internal Revenue Code) and the Treasury Department (Treasury Regulations — another set of rules that interpret the Internal Revenue Code).^[2] Yet such rules are universally accepted.^[3]

1. A loan is not gross income to the borrower.^[4] Since the borrower has the obligation to repay the loan, the borrower has no accession to wealth.^[5]

2. The lender may not deduct the amount of the loan.^[6] The rationale here is that one asset (the cash) has been converted into a different asset (a promise of repayment).^[7] Deductions are not typically available when an outlay serves to create a new or different asset.^[8]

3. The amount paid to satisfy the loan obligation is not deductible by the borrower.^[9]

4. Repayment of the loan is not gross income to the lender.^[10] In effect, the promise of repayment is converted back to cash, with no accession to wealth by the lender.^[11]

5. Interest paid to the lender is included in the lender’s gross income.^[12] Interest paid represents compensation for the use of the lender’s money or property and thus represents profit or an accession to wealth to the lender.^[13] Interest income can be attributed to lenders even if the lender doesn’t charge a minimum amount of interest.^[14]

6. Interest paid to the lender may be deductible by the borrower.^[15] In general, interest paid in connection with the borrower’s business activity is deductible, while interest paid on personal loans are not deductible.^[16] The major exception here is interest paid on a home mortgage.^[17]

Income from discharge of indebtedness

Although a loan does not start out as income to the borrower, it becomes income to the borrower if the borrower is discharged of indebtedness. ^[18] Thus, if a debt is discharged, then the borrower essentially has received income equal to the amount of the indebtedness. The Internal Revenue Code lists “Income from Discharge of Indebtedness” in Section 62(a)(12) as a source of gross income.

Example: X owes Y $50,000. If Y discharges the indebtedness, then X no longer owes Y $50,000. For purposes of calculating income, this should be treated the same way as if Y gave X $50,000.

For a more detailed description of the “discharge of indebtedness”, look at Section 108 (Cancellation of Debt (COD) Income) of the Internal Revenue Code.^[19]

Since 1998 I've spent the first several months of each year looking for the very best search engine optimization (SEO) tips of the previous year's end. This year I've come across the best SEO tips yet.

SEO Tip #1: Make Google Alerts Your Personal Online Spy

Google Alerts is a great way to let the world's biggest search engine be your personal online spy. This takes search engine optimization insider info to whole new level. Here's an excerpt straight from Google....

"Google Alerts are email updates of the latest relevant Google results (web, news, etc.) based on your choice of query or topic.

Some handy uses of Google Alerts include:

* monitoring a developing news story
* keeping current on a competitor or industry
* getting the latest on a celebrity or event
* keeping tabs on your favorite sports teams"

As you probably guessed, it's the second one we care about most, "keeping current on a competitor or industry."

Here's how it works... Each time Google finds a reference to the query or topic you request you will be sent an email with the details. This is like having an online spy to make sure competitors are not using your protected keywords (trademarked names, company names, etc.) It's also an instant identifier to know when your site or product is mentioned in a news story or even when a topic is hot so you can take advantage of the situation. It's the easiest way in the world to stop competitors' dirty tricks and identify trends that you can take instant advantage of.

It's fast, free and works every minute of every day. Let Google Alerts (http://www.google.com/alerts) do your most time consuming legwork while you reap the rewards!

SEO Tip #2: Optimize Your 404 Page and Always Be Found

"Error 404: Page Not Found" is a blessing that most Webmasters curse. Why? Getting a visitor on any page of your site is fantastic! Don't blow the opportunity. Not only can you make your "404" page a valuable sales tool, you can use the following search engine optimization techniques to attract customers in droves.

A.) Use your main keyword in your title, add a "pipe" (usually above the Enter key) and then use your secondary keyword. Here's as example for an SEO site "SEO - Search Engine Optimization Tips"

B.) Add some keyword rich content using one to two keywords for the page. If you have less than 250 words on the page, just use one keyword and use it no more than three times total. Bold the first use and italicize the second or third use. Keep in mind this is an "inactive" page so simply tell the visitor what your site is about and whet their appetite with a good description. Something like this works well... "Thank you for visiting SEO (bold) Group, Inc. We are sorry you landed on a missing page but don't worry, if you're looking for the very best search engine optimizations tips (bold), you're at the right place..." This will go on for a couple paragraphs or as long as you'd like then end it with something to the effect of "Please Click Here (link) to visit our site map or click any link to the left."

C.) Add your site's standard navigation system (bar, column, etc.) as mentioned above.

D.) Make the look and feel of the customized 404 page match your main site as closely as possible with a template, matched palette, cascading style sheets, etc.

E.) Create a link to the site map page if available, and make the link easy to find. You want your visitor off the 404 page and into your main content as quickly as possible.

Setting up a custom 404 page link usually takes less than five minutes on most major Web hosting companies like Godaddy.com. But whatever it takes, it's worth the effort.

SEO Tip #3: Get (Even More) Serious About Linking

I saved the most important for last. If you want to do well on any search engine, especially Google, linking is THE single MOST important thing you can do. It's that simple.

Here are the five things you MUST do to make your site #1 on Google:

A.) Find the highest page rank sites linking to your site AND your competitors' sites.

B.) Run monthly link campaigns and snatch up the best of the above identified Web sites.

C.) Run regular checks on what pages are still linking back to your site. Alsomake sure they did not move you from a high page rank page to a lower one (don't get cheated!)

D.) Eliminate any penalized sites you link to; ASAP!

E.) Check your search engine ranking AND your competitor's for each of your keywords every week. Do this, at the minimum, for Google, Yahoo, MSN and Alta Vista.

Inside Tip: Keeping up can be a lot of work so a lot of SEO Consultants (myself included) use SEO Elite (http://www.SEOeliteWeb.com) to do all the most difficult and time consuming work.

One last thing to know is that Google was originally a college student's project created for the sole purpose of defining a Web site's value by the sites that link to it. Twelve years later this is still it's main job. Linking is EVERYTHING to Google.

These few SEO tips are the very best of the best so use them wisely. Best of luck!

About The Author

An original founder of one of the first internationally established SEO companies (DotCom Pirates); Scott Jason is a highly successful SEO Copywriter and renowned researcher and the founder of http://BestSEOCopywriting.com .

Last year alone, millions of people made a profit on e-bay. Some were just selling odds and ends, while some ran huge businesses exclusively on e-bay. The amount of commerce done on the internet is only expected to increase, making prospects for e-bay users bright. You very well may be one of the people who's discovered the great benefits of making money from e-bay auctions. I myself have been an e-bay user for a little over a year and have had great success with my auctions.

When my friend began her business on e-bay selling high end purses, it started out quite rocky. Her auctions weren't getting the hits she wanted and usually sold off of one bid, instead of creating the bidding frenzy that beautiful bags like she had should have!

So, she called me up knowing I had been successfully using e-bay for almost a year at the time. She gave me her login information (we're best friends- she trusts me!) and asked me to check her her sales and current auctions and see if I noticed where the problem was. When I saw her current auctions, alot became obvious!

So, I compiled a list of things that I had used which had made me successful which I suggested she implement into her own auctions. I even revised the auctions she had active at the time. One of those auctions- a gorgeous brown Coach purse- sold for $546.00. She had listed it for $125.00. It was her biggest sale yet and she was thrilled.

The funny thing is, the methods I use are not some internet guru secrets. They are just things I picked up during my time using e-bay, but seem to be overlooked alot of the time. Here are what I have found to be the top 7 overlooked tips for successful e-bay auctions:

1. The Importance of a Good Title- When you're creating a title for your auction, you've gotta think like a buyer. When I checked my friend's listings, she had a beautiful, brand new brown patchwork Coach purse titled as 'coach purse'. This is way too general! A buyer knows what they want; in your title, include color, any brand name, main keywords that people will search, and condition is possible. I changed her title to "Brown & Beige Patchwork Coach Purse-Brand New". By the next day, it had over 100 new hits. Previously her auctions were hardly even reaching 100 hits throughout the whole 5 days.

Another mistake people often make is writing things like 'The best wristwatch ever!!!!" Even if you do believe you're selling the best wristwatch ever, is this really what a buyer is searching for? Of course not. Use a more descriptive, detailed title like 'Gold Armani Wrist Watch w/ Leather Band-New".

One more thing when it comes to titles: make sure keywords are included. For example, whatever the item you're selling actually IS, include that in the title. On e-bay, I mostly sell high end women's heels. I always make sure to include in my title 'Womens Shoes" because this is a common keyword. An example of a title I would use is:

"Brown Marc Jacobs Womens Silver Stud Pumps Shoes"- I know that 'pumps shoes' sounds awkward, but many women will search for "marc jacobs womens shoes", and I want to be sure my item shows up in the results. Use these tips when creating your title and you'll be sure to see increased traffic to your auction.

2. Give honest descriptions- Sure, that stain, tear, or other defect may be sooo small that it's almost impossible to notice. Still, mention it in your auction. If you send an item out and a buyer realizes that the item has a defect that you didn't mention in the auction description, they will be disappointed and very possibly leave you negative feedback. Anyone familiar with e-bay knows that feedback is everything. It is what makes people feel comfortable buying from you and proves that you are a trustworthy, reliable buyer.

It's best to provide a photo of any defects so potential buyers can see what they're getting. And believe me, if you say that there's a defect but don't show a picture, people will e-mail you asking for some. I have sometimes had a defect so tiny on a shoe that I couldn't even get it to show up in a picture. If that's the case, say it! Provide a picture of the area where the defect is and also explain in your listing that it's so miniscule that you can't get it to show up in the picture. Buyers will trust you much more and be way more willing to buy from you in the future. You also won't have to deal with an unsatisfied customer who can damage your feedback rating and make future potential buyers hesitant or even completely dissaude them from buying from you.

3. Offer International Shipping- So often I see sellers who are providing great products but don't offer international shipping. Let me tell you- about 30% of my sales are to international buyers, and very often international buyers will pay more for products. I never understood why people are restraining their own sales potential by not offering international shipping.

Remember, the buyer is the one who pays the shipping, not you!! Even though international shipping is expensive, you are not paying it! And don't be discouraged thinking sending things internationally is difficult- it's super simple and not much different then sending things within the country. If you use USPS (the method I find most efficient for prices and service), you may have to fill out a short customs sheet that takes no more than a minute. Don't be lazy! Offer international shipping and see your sales soar!

4. Send a Thank You card with your purchase- You can get packs of black decorative cards from any general store, WalMart, or even discount chains like TJ Maxx. Buy a couple packs and with people's packages, send a nice thank you card.

You don't have to write a dialog, just a simple "Name of Buyer, Thanks so much for your bid! Enjoy your purchase, and I hope to do business with you in the future! Your Name or Business Name" If you want to really go all out and rake in some super feedback, include a small free gift. When I sell a pair of shoes I usually include a free headband or pair of earrings. If you'd like to try this out, try to find something that compliments whatever it is that you're selling. You could also include a little bag of candy or some tea light candles (go to the dollar store for great knick knacks and free gift ideas). Use your imagination to make your customers satisfied and loyal!

5. Offer combined shipping Buyers love combined shipping. If you offer a good combined shipping deal, and have more than one item they're interested in, they're ten times more likely to buy both items. Some people choose to determine combined shipping depending upon the two items the buyer is interested in, while others have set shipping rules. A good example is to charge $_.__ for the first item and offer to send the second item free, or for $1.00-$2.00 more. Usually the additional weight of the package isn't much so it's possible to offer combined shipping without losing any profit at all. Determine your own rates depending on the weight of the items you sell and the shipping service you use.

6.Keep communication with Buyers open and offer more pictures upon request. Of course in your listing you must include good pictures to attract buyers. Most people include 2-4 pictures per listing, depending on the size of the items and any special details you've got to show. I always include at least 3 pictures, and more if I feel the item needs more pictures of some detail it has that is unique.

Even though you have already provided your buyers with good pictures, it's helpful to write in your listing "Contact me with any questions or for more pictures. (with your contact info)" This is another method that makes buyers instantly trust you more and feel more comfortable placing bids. They feel that the communication lines are open and that they can get more info on the item if needed. And don't be discouraged thinking that you'll spend the whole day responding to e-mails requesting more photos; If you've already included good pictures, most people won't bother asking for more. Of over 50 listings where I've written this, only one person ever asked me for additional pictures. Check your e-mail though at least once a day to see if you've got any questions, people love quick responses and will reward you with good feedback for your effective communication.

7. Always use Delivery Confirmation- This is a biggie! Make sure that when you post your shipping costs, delivery confirmation costs are included so buyers aren't questioning the extrra expense when they receive their invoice. Delivery confirmation is a cheap effective way to ensure both your own and the buyer's investment.

First of all, you do not want to get scammed. What? Scammed? Yes, it happens. I know that most of the scamming referred to on e-bay is about sellers who scam their buyers, but don't be naive; we sellers are also at risk. Although the majority of the e-bay community is good people who are just trying to conduct legitimate transactions, there are those rotten apples which make it hard for all of us.

The usefulness of delivery confirmation was brought to my attention my an acquaintence of mine who does some selling on e-bay. He sold some very high quality digital remote for around $250.00. He shipped the item using delivery confirmation, and after about a week told me he received an e-mail from the buyer saing she'd never received the product. She filed a whole complaint with e-bay and made a big fuss about it. GOOD THING he had the delivery confirmation number and was able to prove that the product had been shipped to her address. Don't let one of these scammers get a chance to cheat you out of your money.

Making delivery confirmation a requirement is also something that will make serious bidders trust you more and see that you're a legitimate business person who wants to secure shipment. Think about it; if someone requests NOT to use delivery confirmation, you can guess where their intentions are. The extra .75 is not breaking anyone's piggy bank, so don't feel bad about it.

There you have it! Use these highly useful yet highly overlooked tips to generate more traffic to your auctions and enjoy higher sale prices. To e-bay success!

Check out http://www.freelancemommystudio.com for more e-bay and work at home tips and programs!

About The Author

Hello all! My name is Jamie Sloan, and I am a full time student at Berkeley College. I am studying International Business. Upon graduating Berkeley, I'd prefer to get a job at the United Nations while continuing my education. My ultimate academic goal is go achieve a Ph. D in Anthropology.

I speak four languages fluently and am studying Arabic as my fifth. I make an income excluxively online through internet marketing, but make extra cash using e-bay. Enjoy the article!

For college students and other people who feel burned out trying to balance paying the bills and living at the same time, ads like these can prove to be irresistible. Many of them make perfect sense and easily hook you based on good concepts. Unfortunately, many times the product or service does not match the brilliance of a great idea for making money from home or through the Internet. As I’ve learned myself, the further you go down this road, the more excited you get. You basically get hooked, and if you aren’t careful, you will end up working hard and falling further into debt than you can imagine. Much like gambling, the lure of easy money and independence can make just about anyone fall prey to work at home scams that feed off your dreams to get to your wallet so they can go on to the next victim.

Hopefully, you will never fall victim to these scam artists. However, the fact of the matter is that these scammers would not be wasting their time if they were not making any money. And as long as people continue to get mixed up in this business, these scammers are going to stick around to trick more and more people.

The best way to keep a scammer’s claws away from your credit card is to do thorough research on each opportunity that you are considering. This means doing much more than simply reading a bit about it online. In my personal experience, I have been taken by companies who were savvy enough to pollute the Internet with staged testimonials, guarantees, questionable references to big name endorsements, and even appearances in the Better Business Bureau.

A colleague of mine who invested in vending machine placement services even went so far as to physically go to the manufacturing plant to tour the warehouse as well as contact the Better Business Bureau of that state. What he received, in return, were twenty malfunctioning candy machines with a list of local businesses who had apparently agreed to receive them. Not only did none of these businesses know what he was talking about, many of them were hostile when he showed up to place them.

What you want to do is check message boards such as the ASK section of Yahoo.com. Another simple method of weeding out the scams from the genuine opportunities is to go to a search engine and simply type in the company name followed by the word “scam”. If you do this, and you are barraged by an endless list of complaints, you my friend have found a nugget of gold in a sea of mud.

In terms of the Better Business Bureau, it is best to contact them directly to ask about any complaints, and also find out how long a company has been listed. The Better Business Bureau operates state by state. They will be able to tell you if they have any complaints on file. If they do, you will want to avoid the opportunity at all costs. But if it appears that a company is doing business the right way, you can continue your own research.

Being in the Business Bureau is not necessarily that hard to accomplish. Many scammers can use their money and connections to set up a front to initially qualify for the Better Business Bureau just long enough for them to collect their cash from unsuspecting victims, close shop, create a new identity and start again.

Before you decide to do anything, attempt to get in touch with the company that you are interested in. Can you get a human being on the phone? Do they have an actually physical address? How long does it take them to respond to your e-mails, if at all? If you cannot even talk to the company before you start, there is not chance that they will be around when you really need them. I once made quite a bit of money selling vacation vouchers on auction sites. The marketing plan was sound, and the money saving vouchers was a hit. Only problem was, I could never get in touch with their customer service department to handle my customer inquiries and complaints once I realized that the promises that existed in writing on the vouchers were misleading at best. This proved to be such a problem that it took me over a year to recover from the negative publicity on my auction site.

Of course, there are legitimate home based businesses out there. With the Internet and all the low cost, web producing tools available, there seems to be a renaissance in entrepreneurship. Basically, just find a product or service you can market online, and do your research. Sell on EBay if you don’t want to build your own website. You can have a website their and all search engine marketing is already done by EBay. The Small Business Association has an office in downtown Tacoma and contains invaluable information on their website http://www.sba.com. Since small business is the backbone of our country economically, sources such as these are eager to help you create a plan with realistic expectations.

However, like anything else worthwhile, you have to do your homework and work hard at it. The problem is that too many people make you think you can practically go online and make money just clicking on a mouse. You want to steer clear of any business that asks to you to pay for their “Top Secret” e-book that will teach you how to make an automated income.”

Think about it, if you are in dire need of cash, can you imagine any other situation in which you would not only work for free, but pay for the privilege to work. There are no magic formals or secrets worth paying for. All of the information in these e-books can be found for free through your own research if you have common internet skills.

If you don’t want to work hard and just make a few easy extra bucks without donating your blood or volunteering to be a guinea pig, it is possible to make some good extra money filling out online surveys or through mystery shopping. There are real opportunities out there which require no fee to get started. Not only that, several of them will even give you a $5 bonus just for signing up. If a company such as this is legitimate, they would be making lots of money through the success of its members. Companies that require that $49.97 start up fee only make money through the fee and only want to teach you how to get other people to do the same. The products are all useless lists and general information that anyone with a functioning mind could figure out on their own, or get for free by doing their own research.

In 12 years of trying to make a living on the Internet, the following are the best companies I have ever encountered for making a few extra bucks filling out surveys, playing games and mystery shopping. They probably won’t pay the rent, but if you’re interested in making an extra $400 or $500 a month or eating out at nice restaurants and going to movies for free, you may want to check these out:

Mystery Shopping Providers Association: ." target=new>http://www.mysteryshop.org/shoppers/">.

This site contains all the information you will ever need on starting up as a mystery shopper. It is also a portal for the best sites to go to for mystery shopping jobs online, and they don’t require that you invest a penny.

InboxDollars.com. (you can sign up for free and get $5 just for signing up. You can make a few hundred dollars in one day, theoretically, if you are willing to use a credit card to sign up for free or paid trials. Just make sure you have the patience to fill out the long surveys and keep detailed records so you can remember to cancel your free trials before you get charged. Also, you can fill out surveys to make a dollar or two which are completely free. I’ve made about $400 with this site.

http://www..sendearnings.com. (almost identical to InboxDollars.com)

http://www.treasuretrooper.com. (a lot of free surveys and cool games).

http://www.tiktikcash.com. By far the best of the survey sites. The free surveys are tremendous. You can make a dollar or two in one minute. This site has the shortest, most painless surveys. I made over thirty bucks in less than after signing up.

About The Author

Peter Ruble
CEO

Kuwait Finance House (KFH) was established in the State of Kuwait in 1977, as the first bank operating in accordance with the Islamic Shari'a. KFH is listed in Kuwait Stock Exchange (KSE), with a market capitalization of KD 3.133 billion as of 31 December 2006. Assets total KD 6.314 billion and deposits amount to KD 3.730 billion, representing 25% of the total deposits in the Kuwaiti market as per the balance sheet of 2006.

KFH has been highly rated by prestigious international agencies. Standard & Poor's rated KFH A-/A2 for short and long term investments, respectively. Capital Intelligence rated KFH A/A1 for short and long term investments, respectively. Fitch International also rated KFH A, and Moody's rating was Aa3. KFH has been awarded by The Banker magazine as the world's Best Islamic Financial Institution, and for third successive year it has been awarded by EuroMoney magazine as the best bank.

KFH provides a wide range of Islamic Shari'a compliant products and services, covering banking, real estate, trade finance, investment portfolios, and other products and services.

Since the 1980's, KFH has witnessed multi-activity in international expansion. It has established independent banks in Turkey, Bahrain, and Malaysia. Moreover, it has stakes in other Islamic banks. Its investment activities in the US, Europe, South East Asia and the Middle East contributed tremendously to achieving the ever-growing profit of KFH, in collaboration with the world's leading companies and banks, such as Citibank, Deutsche Bank JP Morgan, Chase, BNP Parisbas, ABN Amro, HSBC, and Islamic Development Bank (IDB).

KFH has always endeavored to expand its local branch network, covering 42 branches, in addition to special sections for ladies. It adopts the out-of-branch client concept. KFH has maintained its foothold as a pioneering entity in utilizing the latest technologies to meet the requirements of the various activities in which it operates, using online, SMS, as well as phone service (Allo Baitak), which has received the highest accreditation from the US Purdue University for outstanding customer service level.

KFH is proud of its manpower skills. It employs a number of outstanding human resources, and is a pioneer in manpower Kuwaitization, where Kuwaiti manpower exceeded 52%.