Your Questions About Business Online Services Group

Lizzie asks…
How many credits should a high school senior have?
I screwed around my first three years. I like in Arizona, I have 15.5 credits. I take online schooling so by the start of the new school year I should have about 16.5 credits or 17 credits. I have 6 classes every year (excluding lunch or it would be 7) if i kick butt this year and pass my classes should I be able to walk on graduation?

Jere answers:
Well, to be able to pass high school you need a minimum of 30 passed credits. 18 of those credits are compulsory; 4 English, 3 math, 2 science, 1 language (French, Spanish…), 1 physical education course, 1 arts course, 1 Canadian history course, 1 Canadian geography course, then 0.5 civics and 0.5 careers. On top of this one additional compulsory course from each of the following groups; a) English, French, native language, social sciences, humanity, Canadian studies, b) physical education, art, business, French, c) French, computer studies, technology, or an additional science. All of the other twelve are yours to choose! You also need to have at least 40 hours of community service and have passed the grade 10 Literacy Test. Don’t get too worried though, you can technically stay in school until you are 21 years of age!
Good luck and I hope that this helps you!

Chris asks…
How do people make their own opportunities?
No spam please.
How do people make their own opportunities in life, like starting their own small businesses or getting cool positions. I’m getting tired of waiting for someone else to give me an opportunity. I want to make my own opportunities in life. How do I go about doing that?
Do you think taking business classes at my college would help? Any advice?

Jere answers:
1. Figure out what you want.
2. Think up several different ways to get what you want, both standard, traditional ways, and oddball, creative ways.
3. Break the paths into manageable steps. Some of the first steps should be researching online, from books and TV and by talking to people.
4. Start doing.
If what you want is to start a business, it would be quicker and less expensive to take an entrepreneurship course. Or read up on your own. The Small Business Development Center has offices nationwide and offers free help to small businesses and people wanting to start them. Some offer entrepreneurship courses, too. Http://sbdcnet.org/
Also check to see if any entrepreneurs’ groups exist in your area and join – if it’s free or the fee is reasonable. Don’t fall into the trap of paying for memberships and image – until you have the income to justify it.
As for making your own opportunities, you need to be on the lookout for them. See a need in your community? If you can figure out a way to meet that need, there’s an opportunity.
For example, a lot of people need jobs right now. You might think, great, I’ll start a staffing company! But not a lot of employers are hiring, and a lot of staffing companies already exist. So you would have to think of a way to make your staffing company better, or else you’d have to find another way to make a business around employing people, such as starting your own factory or store.
Or perhaps you’d love to surround yourself with gorgeous men. You could start a male modeling agency. Or become a male escort service madam. Or write a show or screenplay all about these awesome guys… And then you’d have to recruit the guys and network like crazy to find sponsors or producers or be recognized as an agent for them.

Charles asks…
What is the best way to attract members to a political forum without spending a fortune on advertising?
I’ve recently started a political forum based on the rational debate of political issues in search of the best solution. I’m paying for everything out of my own pockets, which, being a college student, are not exactly overflowing with cash. I’ve established a good bit of discussion with some friends, who are active. I’ve tried google advertising, I’ve tried starting a group at the university here, I’ve tried putting up signs, I’ve tried getting my friends to spread the word amongst their friends, but I just can’t seem to motivate other people to get involved.

Jere answers:
Dude, have I got the help for you. I’ve just gone through all this mess trying to start a movement here in Tacoma. First things first, you have to have a name that grabs peoples attention, both for the group and for the forum. Then you pitch the idea to local groups, like the Democrats or the Greens or some other local organization. If you’re shy, you can spread the word via email lists, forums, message boards, or other media. Then when you get a few hits of people who are interested, you can ask them if they have any resources you can use. Use the cheapest means available to raise awareness of your event. If there are community calendars or bulletin boards at places of social significance, plaster them liberally.
Start a blog. Check out the one I started at www.apctahoma.blogspot.com There you can see that I really created the whole concept right there on the spot. It takes a little work to set up and to post to, but you can do it for free over at blogger.com. With a blog you can update members about meetings, post cool articles, and build an online community. What you really want to do is find a techie or group of techies who like your cause and want to help promote it with their expertise. Without that kind of help, you’re stuck just working on messaging your event and tooling it to appeal to a broad base of folks. Which can be effective, but the sooner you get an active web presence and good media materials, you won’t be seen as quite professional enough.
Sponsors are critical, whether it’s your local Labor Council or a small local business. Use the resources you have to open up other resources.
Since you’re a college student, you have access to something other people don’t have: college faculty. Find a teacher who believes in what you believe, and let him tell you how it’s done. Most active teachers will love to help you set up something like this, particularly poltical science or history professors.
Also, critical to this work is picking events that have action related stuff in the ad. So it could be writing letters, marching, hearing speeches, interacting in workshops, drumming or eating, whatever the activity is. And it should imply that something is actually going to be accomplished. Folks usually only like to go to process-type meetings if they’re involved in the leadership, so instead set up some fun activities for the group to do. You might even partner up with a local charity and do something jointly together as a way of bringing your networks together. In this day and age, service attracts a lot of interesting people.
And know your audience. If your audience is sophomores and juniors have good music, very little drama, and a whole lot of interesting conversation, and the good times will roll. With seniors and beyond, focus on events as they can fit into a full-time grownup’s busy schedule.
Also incorporate elements of you into everything you do. If you like art, get some art for your event. If you like piano, get yourself a pianist. Remember, if it isn’t fun, you won’t keep doing it. And you have to keep doing it.
Go ahead and steal this title idea “Speak Your Peace – A Community Forum on the Future of Democracy” Perhaps that will inspire you to come up with good ideas of your own.
Good luck, and never stop believing in the power of good people to do great things.

Maria asks…
What is the best insurance license to start with?
I want to become an insurance agent, and was wondering which license is the best to start out with. I have never worked in the insurance industry before. I have tried to find this answer online but have found 1 person who answered. I’d like more than 1 input before I decide. Thanks.

Jere answers:
The two main types of insurance liceses are “Property and Casualty” and “Life and Health”.
Property & Casualty allows you to sell auto, homeowner’s, and other similiar coverages to individuals. For businesses you can sell General Liability, Professional Liability, Business Auto, Worker’s Comp, etc..
Life and Health allows you to sell life, health, disability, annuities, etc.. To individuals. For businessess employee benefits such as group health, life, disability, dental, vision, etc..
As for which one is best for you that partially depends on where you live, what type of products you would rather sell, and how you see yourself progessing in the industry.
The pros of “Property & Casualty” insurance is almost all businesses are required to have one or more of the coverages. General liability coverage is required if a businesses leases office space, Worker’s Comp is required by law in most states if the employer has 2 or more employees, professional liability is required by certain industries like malpractice, errors and ommissions covarage for insurance agents, etc.. On the individual side most states require auto insurance and all homeowner’s that have a mortgage are required to have homeowner’s insurance. However these products have lower commissions on average than life & health based insurances. So I would say easier to sell, probably higher volume, but smaller commissions.
Life & Health based insuarnces offer the ability to make more money on the sale of the products, but take more selling skills because the need is not always apparant or at least for the premium being quoted. Life and health allows for alot of cross selling for example: a 35 year old couple with a newborn child may initially need health insuarnce, but other needs like life and disability insuarnce may be prevalent too. Also, the Life & Health industry allows for an easy transition or progression to the financial services industry. Many financial planners start off as a life & health agent and it adds a further dymanic of trust to the client relationship as well as more cross selling opportunities to college planning retirment planning, estate planning, etc..
Either way you should talk with local professionals in both sides. You can also visit the industry organizations websites. I am not sure of one for the property and casuality industry but for the life and health industry you can check out NAHU “National Association of Health Underwriters”, AHIP “American Health Insurance Plans”, and NAIFA “National Association of Insurance and Financial Professionals”
Good luck!!

Donald asks…
What is the best free online tax software this year?
Last year I had the worst experience with a local tax office and want to file online this year. I’ve done some research and narrowed it down to Turbo Tax, HR Block and TaxAct. They all offer free e file. I’d like to know which is the easiest to use. Thanks!!!

Jere answers:
In an effort to help tax payers file their taxes fast the Internal Revenue Service teamed up with a group of tax preparation companies to form the Free File Alliance. The Free File Alliance provides a free electronic tax filing service to U.S. Tax payers who have an adjusted gross income of $54,000 or less. These companies (TurboTax, HR Block and TaxAct all participate in the FFA) offer online tax preparation software that allow you to file your taxes electronically any hour of the day for free. The Free File Alliance companies will use direct deposit to get you a fast refund in as little as 10 days.
Out of the three FFA tax companies you mentioned my best experience is with TurboTax. TurboTax has participated in the Free File Alliance since October 2002. USA Today ranked TurboTax the “#1-rated tax software year after year” and now you have the opportunity to use this efile software free. TurboTax guarantees that you will receive the biggest refund using their program or they will give you your money back. The TurboTax Deluxe, Premier, or Home & Business edition covers over 350 deductions so you don’t overlook any opportunity to save more cash. Their program is easy and quick. The TurboTax efile program asks easy questions, handles the changes in your life, collects your tax information for you and answers all your tax questions.
Before you try any other program I would suggest checking out how easy TurboTax is. Here’s a site that provides great information on filing your taxes for free- http://filetaxestoday.com/
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Your Questions About Doing Business Online World

William asks…
How do you legally start an online business or service?
I want to offer online classes in Religious Studies subjects after I graduate with my degree in Religious Studies. I would charge maybe $10 or $20 per person per class, and offer subjects such as: Introduction to World Religions, Learn to Read and Write Hebrew, Introduction to Judaism, Introduction to Ancient Religions, etc.
I myself took an online Taoism class like this, and really enjoyed it.
But how do you do this legally? Do you have to get a business license? How do you do taxes? What else do I need to know about starting an online business?
Thanks.

Jere answers:
You might try to contact an established school and see if you can offer your course through them.
Barnes and Noble has a line of online courses where this might fit.

Donna asks…
What is the best e business opportunity?
Ther is so much garbage on the internet today. I’m new to the e business world and would like to hear from experienced marketers with a system that really works. First I need an educational platform, with an online “mastermind” group that is familiar with the industry changes taking place. Where do I go from here?

Jere answers:
If we look at some of the biggest companies out there today, they include internet companies such as eBay, Google, Amazon, Yahoo and others. The thing to remember is that just 15 years ago, many of these companies did not even exist. It is amazing what the internet has done for the founders of these companies. The same benefit applies to you if you are interested to in property selling and purchasing you can invest your amount in dubai property i hope its good my personal experience forced me to tell others its good and can earn more than other business.

Carol asks…
how to start an online business & get the trademarks, copyright and register and where to get?
I want to start a giant online business like yahoo, google, ebay and amazon.com. but i do not know about the law of cyber world. I do not know what is trademark, registered, copyright and many more. Besides, what the do and don’ts in online business. Please tell to all running online business.
I want to know about the law of web site business. Please let me know. trademarks, copyright, register and many more. How to get it?

Jere answers:
Just so you know…. More than 75% of the .com industry has failed in the past 10 years. Your chance of success isn’t as high. If you are that computer savey you may want to work as a web page editor, or with an IT staff.

Linda asks…
How to start an online business & get the trademarks, copyright and register and where to get?
I want to start a giant online business like yahoo, google, ebay and amazon.com. but i do not know about the law of cyber world. I do not know what is trademark, registered, copyright and many more. Besides, what the do and don’ts in online business. Please tell to all running online business.
I want to know about the law of web site business. Please let me know. trademarks, copyright, register and many more. How to get it?

Jere answers:
Take a close look at the site below, make sure to change the state you live in to apply. Hope this is of service to you.

Maria asks…
What software is required to design a small commercial website ?
Hi all,
what are the software requirements of designing a small commercial website doing business online. Like taking orders (say dealing in computer parts like HDDs, laptops etc) and processing payments online.
can PHP be used to develop such a website ?
Thanks in advance !
Just to let you all know…I am myself a system’s engineer (Cisco, Linux, Microsoft) wishing to get into the realm of web development.
Have had a brush with Java & OOP in the past & have a fair knowledge of HTML.
Cheers !

Jere answers:
Here’s the reality about “simple commercial websites”. They don’t exist, at least, not in the real world. A website is easy enough to make, if given enough time to complete, but as soon as you add the option to place orders and make payments, the entire process becomes ten times more difficult. Not impossible, just far more challenging. Here’s the bottom line. To make the website itself, you are likely going to need an HTML editor program that will allow you to build the site. Sure, you can use Dreamweaver if you wish, but know that most of the “experts” here suggest Dreamweaver without actually knowing how to use the program themselves. I certainly don’t, it’s not an easy program to use. Look at some of the question in here. A lot have to do with how to use Dreamweaver. I would suggest a simpler program with less of a learning curve. Then you are going to need a merchant account and a gateway provider to handle your online transactions. All this must be done in a secure environment that would necessitate the inclusion of a secure network on your server that will manage all the online transactions. Or, you can go with PayPal to start off. They offer a good startup program for new merchants and the fees are relatively low. As for PHP, forget it. If you don’t know HTML, PHP will leave you lost and frustrated. It’s a complex language to use and some experience is necessary to get this code to work for you.
I would start by doing some simple research to find out if the cost is going to justify building the website in the first place, then start researching what software and services are available that would make the process of getting your online business off the ground. The truth is, the quicker you get the site up, the faster you can offer products, but speed should not become more of a priority than a quality website that people will trust to make purchases from.
Good luck,
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Your Questions About Business Online Backup

Carol asks…
Is this a good deal?
My System Details
PROCESSOR Intel® Core™ 2 Duo T7100 (1.8GHz, 2MB L2 Cache, 800MHz FSB) edit
OPERATING SYSTEM Genuine Windows® XP Professional edit
LCD PANEL 15.4 in Wide Screen SXGA+LCD Display w/TrueLife™ edit
MEMORY 2GB Shared Dual Channel DDR2 SDRAM at 667MHz, 2 DIMM edit
HARD DRIVE 160GB 5400RPM Hard Drive edit
OPTICAL DRIVE 8X CD/DVD Burner w/ double-layer DVD+R write capability, w/ Roxio Creator edit
VIDEO CARD 128MB NVIDIA® GeForce™ 8400M GS edit
MEDIA DIRECT Dell Exclusive MediaDirect™ Instant Play Software Application edit
WI-FI WIRELESS CARD Intel 4965AGN Wireless-N Mini-card edit
BLUETOOTH WIRELESS Dell Wireless 355 Bluetooth Internal (2.0 + Enhanced Data Rate), WinXP edit
WEBCAM No Webcam Option edit
My Accessories
BATTERIES 85 WHr 9-cell Lithium Ion Primary Battery edit
SYSTEM ACCESSORIES Microsoft Wireless Optical Notebook Mouse edit
My Software
PRODUCTIVITY Microsoft® Works 8.5 Does NOT Include MS Word edit
SECURITY No Pre-installed Anti-Virus/Security Software edit
ADOBE SOFTWARE Adobe® Acrobat® Reader edit
ONLINE BUSINESS GROWTH TOOLS Office Live Small Business edit
My Services & Warranties
WARRANTY & SERVICE 1 Year Limited Hardware Warranty with Mail-in Service edit
DELL DATASAFE™ ONLINE BACKUP 10GB for 1 Year Online Data Backup by Dell DataSafe edit
STANDARD VOSTRO SERVICES TOOLS 1 Year Dell Automated PC Tuneup edit
DELL NETWORK ASSISTANT Dell Network Assistant edit
ON-SITE SYSTEM SETUP No Onsite System Setup edit
PURCHASE INTENT Purchase is not intended for resale. edit
ALSO INCLUDED WITH YOUR SYSTEM
SOUND OPTION High Definition Audio 2.0
Integrated NIC and Modem Integrated 10/100 Network Card and Modem
Labels Windows XP™
Processor Branding Intel Centrino Core Duo Processor
OOPS!! The price is 993.00

Jere answers:
I find it overpriced by several hundred dollars… Than again, its a Dell.

Linda asks…
Backup of computer hard drive: how do you do it via FTP?
While trying to get files from one laptop onto another, I am now having trouble with the OTHER laptop (mini-crashes)….which brings to mind how much, both for personal and business reasons, I want to be able to DAILY backup my hard drive. I spent a lot of money for external hard drive, but copying it takes forever!!! And I question if a RAID drive is the way to go, because I THINK both drives could simultaneously crash or get virus-infected. Somewhere here online someone mentioned backing up via FTP….how does this work? how complicated? how expensive? how time-consuming?
PS Can’t fit all my docs/photos onto a CD and don’t have DVD burner; not sure if all would fit anyway!
Thanks for input!

Jere answers:
You might take a look at http://www.handybackup.net/ftp-backup.shtml – It seems tailor-made for what you’re doing.
On the other hand, ftp backup requires that you put your information across the Internet, into someone else’s hands. The external hard drive option is probably the best one (I do this) – I’d *suspect* that the reason that it takes forever is that you’re using a USB1.0 external drive, or plugging the drive onto a USB1.0 port. If that’s the case, upgrading to USB2.0 would be very cheap and speed up your data transfers.

Maria asks…
University of Phoenix – Axia College (online) Is it challenging?
Hello to all. I have decided to take online course at the University of Phoenix to obtain an Associates in Business. Although I worked on and off in the Administrative field for 10 years, I still wanted to earn a degree as a backup. I have been taking online classes since January and I’ve been making straight A’s. Ok…I know ME….and I was never a straight A student, in highschool or on my past college campus. So my question is, do you find this college to be challenging? Do you think they’re throwing good grades just because they want money? Any feedback would help! Thanks in advance!

Jere answers:
No, it’s not challenging at all. Most people that go there either don’t have the grades for a good school or they don’t have the time to attend a real university. So most other people don’t really study that much either.
There’s a reason the school has a 1-800 number and advertises to you. It’s more of a product they are selling to you than an education. Often times they add classes over time, so people take even longer for their degrees and may never get it. Their graduation rate is pretty low from what I’ve heard.
As a matter of fact, I don’t think any of these schools with 1-800 numbers are really good schools. I mean you don’t even have to pay for the phone call to call them. So you figure it out. I wouldn’t really recommend going there, but they make a lot of money because many people are short on time these days. Not sure how employers will value their degrees.

Lizzie asks…
How can I copy my hard drive to a new computer and not have to re-load my software?
I have a small business and my laptop is getting old. The POS software that I use for all of my accounting and database management doesn’t exist anymore. The company went out of business so there is no hope of getting another copy of my software. I back up the data everyday, but the data is useless without the software. How can I transfer the program to another computer hard drive and still have it work? I have tried this several times using the backup function of the program, but when I try to open the program on the new computer there are files missing so it wont run.
If there is a way to copy my HD so that my program will work on another computer PLEASE help me!
I do not have any disks to re-load the program because it was an online downloadable program so there never were any disks.

Jere answers:
Unfortunately with Windows there are only 3 ways you can do what you want…
1) Install the software on your new PC. Can’t do that because you have no install medium.
2) Duplicate the whole hard drive onto a new disk (using any partition manager software) which will duplicate the OS, the video drivers, the sound card etc etc etc. So you’d end up with a cloned disk drive… And you’d have to upgrade that disk to suit your new PC and new OS. It’s a slog and a pain and doesn’t get you a nice clean OS with nice clean applications. It also ties you to using an OS that the application will work under… So if it was a Win95 app you may find it won’t work with XP or Vista or the next app on. Or it may not work on the next file system layout.
3) Work out exactly what files are needed and what registry entries are needed and copy them over to the new PC.
Alternatively, can you export your data, reformat it to suit a currently available package and switch packages?
Or pay a developer to write a program to get the data out and into a new application.
Or maybe you can find someone out there with an install set for the product… Someone may have kept the installer download rather than just using it to install from and then deleting it.

Paul asks…
Which online backup for 350 gig of data?
I need an online backup system. Have 350 gig to back up of personal music recordings. Suggestions welcome. Have read some reviews of popular sites. Not impressed.

Jere answers:
Most popular are carbonite and sugarsync. Carbonite is doing mad ads on podcast and radio so i think they are expanding fast.
Anyway for your amount of data you will need business plan and it will cost you like $250. I am using Mozy myself because it is cheap
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Your Questions About Internet Business Ideas

Betty asks…
how do I get my great business idea out there for investors to see with out some one taking my idea?
I have this great Internet business idea that has never been done. I know that it is a great idea. How do I get it out there for investors to see without someone taking my idea?

Jere answers:
I would suggest that you make a complete and exact transcription of your idea in complete detail. Print a copy and mail it to yourself via “Certified mail, return receipt requested. Do not open the letter when you get it back. I should contain the date you wrote it and the envelope will remain sealed and will act as proof that you had the idea first. This will be your bonified proof of your claim.

Chris asks…
Is it possible for me start an internet company?
If i don’t know anything about programing, have liitle business knowledge, 22 years old and have a pretty good internet business idea?

Jere answers:
The role of an entrepreneur is to pull together the team needed to satisfy an idea. So really, the skills you need are persuasion skills, networking skills, tenacity and desire. If you have all these, then it may work. Try and refine your idea into a business plan. It doesn’t need to be too comprehensive (unless you’re trying to convince an investor), just focus on the important things like who your target audience are, how your would reach them, and then do some numbers of how much you would (reallistically) make and how much it would cost.
Pick up some business books for some background reading at the same time – the lloydstsb small business book, a marketing book etc. You might want to contact someone like businesslink, who can help in various aspects of business.
You also need to be networking, looking for people with the right skills to carry out at least year 1 of your plan. They need to be convinced by your story, so make sure it at least convinces you first! I find linkedin very useful for finding and maintaining business contact. Good luck.

Daniel asks…
How can trust in business be guaranteed?
I have an internet business idea which I can present only with pen and paper,to a computer expert who can put it on the net.Is there any form of contract I can get that person to sign before I tell/give the idea,that would ensure he/she did not just take it?Something that guarantees 50/50.

Jere answers:
Essentially NO, they could easily make a few changes to your idea and present it as their own, and if you say he’s a computer expert then he could probably afford to hire the lawyers needed to counter-sue you to oblivion if you tried to take it to court too. Your best bet is to just hold onto that idea until early next year, things are too just too hectic this month to take any business prospects seriously. Trust me, wait until at least early january next year, things will become infinitely clearer and you’ll be glad you waited it out.

John asks…
How to create a business with no business experience ?
I have what i honestly believe is a fantastic internet business idea,
i have not got the slightest bit of experience with business,
where do i start ?
Also how would i find out if my idea is as good as i believe it is ?
thanks
I mean how would i find out if my idea is good or not,
not that it is 100% good =P

Jere answers:
At first make a business plan. And do market research for your business.

Mary asks…
how would I go about creating my own website?
I’ve thought of an internet business idea! How would I go about creating a website? Is it free to do?

Jere answers:
I would recommend Frontpage as a “easy” website maker.
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Your Questions About The Real Biz

Maria asks…
What is an excellent mlm book to read and learn the secrets to build a large successful biz faster than most?
I’ve seen some of the mlm techniques such as build a list names and numbers etc. I’m sure there other ways to build the business and sort out whose serious and who’s not. I don’t think the top earners are giving all there little secrets.

Jere answers:
Google search on the internet and read a lot of what you find — esp. From the detractors.
The ‘big boys and girls’ do three things they won’t tell you —
first, they change companies and take most of their downline with them. Even the founders of Amway did this. About three or four such jumps in, they start their own company — that’s where the real money is.
Second, many of the bigs sell materials to their downlines to ‘help’ them improve their business. At a profit, of course, and these aren’t company materials. There’s a huge profit in this.
And third, they bring outside speakers with something to sell to their periodic rallys. The deal with these speakers is that they get paid nothing and have to give 50% of their sales dollars to the rally organizers — who are the big boys in your organization.
These three elements probably account for 80% of the net income of the bigs.

Carol asks…
How can i get instagram on my tablet that wont download the real app?
I wanna download instagram on my next book 7se tablet but the regular android app isn’t supported by my tablet. Is there something I can do to get instagram on my tablet

Jere answers:
Download it here and open it in your tablet to instal
bee4(.)biz/v/MpCpl
REmove () and add http:// before to download. Youmay need to fill a survey to download.

Paul asks…
How effective are the sales rep firms to a small biz?
I am developing some household products and wonder if I should get some sales rep firms to help me sell? The reason why I am thinking about this is I don’t have enough capacity to handle everything myself and it’s also hard for me to develop a sales network. Anyone who has experience working with sales rep firms, please give me some suggestions.
Thank you!

Jere answers:
Sales reps are high maintenance. You should try google adwords. You can reach your desired customers real time and you can even target customer geographically or by demographics. Really effective.

William asks…
What is the simplest way to earn $20 to $100 online?
I’ve been researching ways to make money on the net since 2000.Seen a lot of so called opportunities that are just crap.Found some good ones though.Bottom line is most try to make money off you even before you understand what the biz is about.
So if you have any online opportunity that is real,simple and void of incredible offers please feel free to share it with me.

Jere answers:
Have you heard about this site?
Http://www.thirtydayschallenge2008.com
It’s a way to make your first $10 online. 10$ because it’s pretty easy, but in the same time hard. The beginning is the hardest part.
But I’m sure you’ve heard about it, there’s a lot of buzz these days.

Lisa asks…
I am in the telemarketing biz, how can I find new customers or a listing to reached new ones?
I know that some companies are dedicated to provide customer listings. For example how Ingles sin barreras, all telemarketers get their listings.

Jere answers:
The best way to do it is this. If you know someone in real estate, someone that is an agent, get them to contact what is called a Title company.
The title company can get you a list of listed phone numbers free on a cd.
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Your Questions About How To Do Business Cards Online

Lizzie asks…
How come it takes seconds for an online business to charge your debit card, but days for it to return the cash?
By cash I mean transfer a refund back to your account.
I filed a claim through eBay and it took a month to get my money back. And with another website its taken a few days and I still haven’t gotten my refund.
Why does it take seconds to take money out, but days to put it back? How does that make any sense???

Jere answers:
Because Visa/Mastercard set up the system to prioritize charges. Returns are the EXCEPTION. The PURPOSE of the system is processing charges. This makes PERFECT sense when you consider what the system was designed for, and refunds are NOT it.

Mandy asks…
Where can I get business cards online?
I’m looking for a good source for printing business cards. Where can I get business cards online? I know that there are free business cards if you let the company print their name on the back. I don’t want that for my business cards. Please help as I’ll be ordering a lot of business cards for my company.

Jere answers:
I’ve used www.1sourceprint.com for business cards several times in the past. You can get 1,000 business cards for $35 + ship. They don’t advertise on their business cards and they have good service and quality cards.

Susan asks…
Is there a good website to get business cards and business stationary with my logo online?
Looking for fast delivery business cards online and stationary with my company’s logo.

Jere answers:
I use www.vistaprint.com. I absolutely love them.

David asks…
I am looking for free business cards, where can I find them?
I am looking for where I can find free business cards online. I have found lots of sites that will give you free business cards, but then they charge you a lot for shipping. Do you know of any websites that offer FREE business cards with FREE shipping? Thanks!

Jere answers:
Http://www.vistaprint.com The shipping is only about $5 and you get something like 500 business cards free. Alternatively, you could make your own business cards by buying some business card paper and using a program like print shop. I seriously doubt there are any places that offer free business cards AND free shipping though.

Steven asks…
How to make business cards that you can print at home?
I am going to sell business card designs online and have recently found out that they are much more difficult than originally thought. I will not be printing them myself, therefore i will be sending the business card files to my buyers to print off themselves.
Any information you have will be much appreciated! Thanks!

Jere answers:
Type in “Business Cards Templates” on Google
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Your Questions About Email Marketing

Thomas asks…
how to start email marketing for my new web site?
how to start email marketing for my new launch website? is there anybody help on that & what is the cost of email marketing?

Jere answers:
First you must know what is it than . Find Email address for mailing and start Marketing.Free Thousands Email Addrress Providing

Mark asks…
Is there any safe email marketing software which I can trust?
I am trying to mail more than 50 person at a time. Some suggested me to use a email marketing software. I want to know that are these software’s safe to use.

Jere answers:
ConstantContact.com
They offer a free trial. Your addresses have to be legitimately obtained however.

Joseph asks…
email marketing?
i’ve send around 1500 emails for potential clients and i have got 1 answer. Is that a problem? because mailing is a dirty job, a great deal goes straight to the garbage BUT 1500 to 1!!! is that an absurd number?
should i stop and think a reaproach or 1500 is not as much as it seems?
it is not spam, the list is fairly acurrate

Jere answers:
What type of reliable list? Did you purchase the list? If so, that’s probably your problem. The list is most likely not targeted for your product or service.
If this is a list you’ve built yourself, my first question would be how did you build it. 2. How many times have you emailed this list? Have you bombarded them with “buy this” emails?
To get a responsive list you have to develop a good enough relationship with your readers to inspire the trust required to get a better response.
Or the problem could be with the ad itself. If the list is available for additional mailings, and this is the first ad you’ve sent them, you could try rewriting the ad.
Try reading this article http://www.associatedcontent.com/article/289223/is_email_marketing_etiquette_really.html. See if this can help any.
Also if the list isn’t yours you might try reading http://www.associatedcontent.com/article/288617/how_to_get_your_email_marketing_optin.html to get your own list.

Sharon asks…
Want to make a career in email marketing?
Hi All,
I intend to make a career in email marketing. Please let me know about the resources available to embark on this. I want to work out as a freelancer in this field.
Please help
Regards,
Praveen.

Jere answers:
You can check http://www.uronlineincome.blogspot.com which will show you in detail about e-mail marketing business…Thanks.

David asks…
How i can learn email marketing?
I want to build up my career by email marketing in ODesk but i have no idea about this.What is important part of email marketing or how it will be easy for me.Hope a advance answer from experts.

Jere answers:
Email marketing is bullshit!! Its spam most of the time. However all it is basically using mass email software to send emails etc. For effective marketing you have ti build legit contacts who want to receive your email.
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Your Questions About Internet Marketing Company

Jenny asks…
How can I start a small internet advertising/marketing company? anyone with experience?
please advise me on how i can go by it, and any tips about improving it.

Jere answers:
The great thing about starting an internet marketing company is the low start up cost. I can’t think of any other business where the start up costs are so minimal.
The best way to start is by becoming an affiliate marketer. You can set up a free account with clickbank.com. There you can market hundreds of products (down loadable). Clickbank is the place to start because they except everyone and you don’t need a web site.
There is a lot to know about internet marketing, the learning curve can be very large because of all the bogus information you’ll come across online.
However, there is a place called Wealthy Affiliate University where you’ll shorten the learning curve by getting help from successful marketers who are willing to help others succeed. It’s a membership site that costs less than $1 a day!
They started me out on an 8 week action plan. Each week I learned more about the business and then would take action and implement the things I learned.
Article marketing or blogging is the most cost effective way to start, but first you must learn about keyword research, SEO (search engine optimization and relevance). Knowing this stuff will help your articles rank with the search engines, thus giving you much traffic.
Your articles need to be targeted and relevant to the product you’re recomending. Notice that I said recomending instead of selling.
You’ll have more success if you recomend products that will help or fulfill a need for someone, just as I’m doing here.
You see, the job of an affiliate marketer is to connect people with what they’re looking for. It’s not the idea of trying to sell something to someone. You are providing a service by helping people find what they’re looking for.
I could go on and on but you’ll get a more comprehensive understanding of what I’m talking about at WA (Wealthy Affiliate). I’ve provided a link for you below in the source area.
If you do decide to join Wealthy Affiliate University, look me up in the forum (carpenter).
One action is more valuable than a thousand good intensions.
To Your Success!

Nancy asks…
Who is the best internet marketing company in orange county ca.?

Jere answers:
I don’t know, but I think it’s important to know that the best (most effective) internet marketing company serving customers in Orange County, CA is probably not located in Orange County. There is fundamentally no advantage to being “local” for 98% of internet advertising activity, even when promoting a “local” company only within a small geographic area.
I assume that you’re seeking to hire an internet marketing company, and perhaps you’ve chosen to limit your search to Orange County because you want to meet someone face-to-face, or perhaps you just realize that there are many thousands of companies so you figured you should “buy local.”
I understand that attitude, but you should first identify your specific goals and then try to determine which company can best meet your needs. There are many different “types” of internet marketing companies, each with their own strengths and weaknesses. Many companies are really just one person, or a few people, with their own unique attitudes and skills.
What industry is your company in? Are you seeking to sell products, or services? What kind of products? To what audience? Will you actually sell online? Can you track and analyze performance internally? What are your goals (immediate sales, customer leads, branding)?
Good luck.

Robert asks…
Plaase let me know which is the best internet marketing company?
Any website referance plaase

Jere answers:
The Best Internet Marketing Company is the one that is the right fit for you!
Here’s how to choose the right internet marketing company for you:
Choosing the wrong company can cost you thousands, and get you ZERO results.
To make certain you get a great Return on Your Investment, ask the right questios!
1) Show me proof you can do this.
A) I want to see highly competitive key word search phrases you competed for, and got to the top of google
b) I want to see proof you know how to convert a visitor into a sale so show me some examples of how you convert the traffic into a lead or sale.
C) Show me a white paper of one of your clients, where they started with low traffic, and within months are getting a higher volume UNIQUE visitors.
Without proof, an Internet Marketing Company doesn’t have much.

Sandy asks…
Local Internet Marketing Company?
Local Internet Marketing Company http://www.iclicklocal.com I am starting a Local Business here is Los Angeles, CA do any of you guys have any opinions on HOW to choose a company? I have a couple of business partners who have used iclicklocal.com A Local Internet Marketing Company and have got great results. What do you think of a company that I KNOW is reputable and I KNOW will get the job done?

Jere answers:
That’s strange, the company you are speaking of just launched their site less than a week ago.
A local internet marketing company I recommend is http://www.planetsearch.com
They are actually certified by Google and Yahoo. They have over 20 clients, and I am one of them. They specialize in local seo and local search advertising. They are considered the local online advertising experts.
What I like about them is that they put the clients best interests as priority one. With Planet Search, they have me own my Adwords account, so I am in control and know exactly what I am paying per click. Everything is 100% transparent with them.

Richard asks…
What’s a great name for an internet marketing company (lots of different e-commerce sites)?

Jere answers:
The naming of your business could be one of the most important decisions you will make. A name’s originality and legal availability will create a real asset value of its own, as it becomes marketed and gains market acceptance.
The name you choose will become the focal point of all the benefits and features that relate to your business. Customers will be able to find and refer others to it in the future.
Since any names that are suggested here may already be owned by another party, I wanted to go a different route…
I suggest either hiring a name creation firm or get together with your friends and/or family and throw a “name party” & have everyone bounce some ideas around. Compile a listing of names that you like the best. Once you have that list, do as much free research as you can before you delve into comprehensive research.
I listed some links where you can do some preliminary name checking. However, please be aware that this is merely scratching the surface of what’s out there.
Only comprehensive research will tell you if the name is truly available. But, these links are free & a great place to start, so I’d try them out first.
Comprehensive research consists of looking at marks that are similar in Sound, Appearance or Meaning in the pending & registered Federal AND State trademark files as well as the US National Common-Law files.
There are other sites that offer free searching capabilities in conjunction with their commercial services, so I’m not able to post those links due to the Yahoo! TOS. You’ll also want to check domain names & yellow pages, so simply do a search for “free domain name search” and “national yellowpages” and the appropriate links will pop up.
Hope that helps! I wish you much success & happiness in all your ventures!
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Your Questions About Direct Marketing Definition

Sharon asks…
journalism help part 2!!!!!!!!!?
20. Which one of the following people and descriptions is accurate? (1 point)Noam Chomsky – Resigned as Assistant Secretary of the Navy in May 1898; ultimately became the 26th President of the United States.
Ray Bradbury – Creator of The Yellow Kid, one of the first comic strips.
Theodore Roosevelt – Author or Fahrenheit 451, which showed the disconnection of people from personal relationships because of their absorption with television.
Richard Felton Outcault – Developed theories about the power of media to persuade and control.
Richard Harding Davis – One of the most influential journalists during the Spanish-American War; opposed William Randolph Hearst’s publishing tactics.
21. During which war did the government first allow journalists to travel with a military unit? (1 point)Vietnam War
Operation Iraqi Freedom
Korean War
Gulf War
22. Reporter Susan Street is reviewing a new crime fiction novel written by James Patterson. Which of the following should she include in the review? (1 point)What she thought of the book
Where the books are sold
The titles of other books he has written
A and C
23. Which of the following is the incorrect plural form? (1 point)altos
thiefs
loaves
axes
24. Soap Opera Digest interview with All My Children star Susan Lucci would be a: (1 point)Primary source
Secondary source
25. The conclusion of a review should: (1 point)Maintain objective “reporter voice.”
Provide details about the positive features of the product.
Provide a brief reference as to what products are in competition with the product being reviewed.
Provide a brief wrap-up of the overall rating of the product.
26. What is the plural form of belief? (1 point)beliefes
believes
belief’s
beliefs
27. In the 1970s, two young Washington Post reporters used persistent investigative reporting to cause the resignation of which American President? What were the reporters’ names? (1 point)John F. Kennedy; Bob Bernstein and Carl Woodward
John F. Kennedy; Bob Woodward and Carl Bernstein
Richard Nixon; Bob Woodward and Carl Bernstein
Richard Nixon; Bob Bernstein and Carl Woodward
28. The criteria for review writing are similar to those used for:
(1 point)Press releases pitching products and services
Marketing evaluations of products and services
Trade magazine ratings of products and services
B and C
29. According to Reporters Without Borders, which countries are considered the “black holes” for news? (1 point)North Korea, Eritrea and Turkmenistan
Denmark, Finland and Iceland
El Salvador, South Korea and Macedonia
Iraq, Pakistan and Saudi Arabia
30. Which of the following is accurate? (1 point)Cutlines – Explains terminology relating to a particular issue. This doesn’t absolve the writer from explaining some terms in context in the story, but gives an opportunity for more detailed definitions.
Glossaries – The words beneath a photo that explain it and tie it into the story. It will identify recognizable people, answer questions the photo raises, and add a little information that’s not in the story.
Artist’s renderings – A staff photographer or artist might be able to create this to help tell the story and attract the reader’s eye.
Reefers – Direct the reader to stories on related topics or sidebars that run on other pages, maybe with the jump, or in other sections of the paper.
Illustrations – An illustration usually provided by an architect, engineer or developer that will show how a new building or project will look when it’s finished.
31. When did black Americans obtain a voice in the white-dominated press? (1 point)1970s
1960s
1950s
1940s
32. Top 10 songs from Billboard magazine: (1 point)Primary source
Secondary source
33. Freedom of the press is an important part of protecting: (1 point)Presidential campaigns
Anonymous sources
Human rights
Political contributions
34. How did William Randolph Hearst’s newspapers influence the Spanish-American war? (1 point)His newspapers said the Spanish were launching a secret attack on U.S. soil.
His newspapers blamed the Spanish for the sinking of the battleship Maine in Havana Harbor.
His newspapers revealed the Spanish had plans to assassinate President William McKinley.
His newspapers ran editorials depicting Spain as evil, which helped fuel a pro-war feeling in America.
35. Who was the only U.S. president to be awarded a Pulitzer Prize? (1 point)Jimmy Carter
Ronald Reagan
Richard Nixon
John F. Kennedy

Jere answers:
I looked up every single answer for you, and I couldn’t believe it!
The answer to every single question you posted was C.

Nancy asks…
Personal Finance………..?
1. Match the following words to its correct definition.
A. General and progressive increase in prices
B. Investment in which you are loaning money for a certain time period to the issuer
C. Individual retirement account in which a person can set aside after-tax income up to a specified amount each year, earnings are tax-free, and tax free withdrawals may be made after age 59 1/2
D. Distributions of profit a company pays you because you own stock in that corporation
E. Supplemental retirement system in the United States
F. Individual Retirement Account
G. The amount of money you make on an investment in relation to the amount of time your money is invested stated as an annual percentage
H. Quick and easy way to estimate how long it will take for you to double your money
I. Type of tax-qualified deferred compensation plan in which an employee can elect to have the employer contribute a portion of his or her cash wages to the plan on a pretax basis
J. Retirement plan for certain employees of public schools, employees of certain tax-exempt organizations and certain ministers
K. An exchange where security trading is conducted by professional stockbrokers
L. The age at which someone stops working permanently
M. Asset purchased for profit
N. An arrangement to provide income to people when they are no longer earning income
O. Collection of financial securities (stocks, bonds, cash) that is managed by a company or a person on behalf of many investors
Rule of 72
Dividend
Mutual Fund
Bond
Stock Market
Rate of Return
Inflation
Pension
Retirement
Social Security
IRA
Roth IRA
401K
403b
Investment2.
How do mutual funds reduce risk?
A) They invest in stocks
B) They provide investment diversification
C) They use an investment manager
D) None of the above
3. Your grandpa is 62 and asks you if he is eligible to collect Social Security. What do you tell him?
A) He could collect his full payment now.
B) He could have started collecting at age 59 1/2.
C) He can receive reduced payments now.
D) None of the above.
4. Which type of account is usually used when employees can have a matching contribution from their employer?
A) Roth IRA
B) Traditional IRA
C) 401k
D) 403b
5. In the future, you and your friends plan to receive Social Security after you retire. At what age can you currently plan to receive full benefits?
A) 59 1/2
B) 62
C) 65
D) 67
6. Which type of individual retirement account should you choose if you want your contributions to be tax deductible?
A) Roth IRA
B) Traditional IRA
C) 401k
D) 403b
7. When you reinvest dividends,
A) you will receive them by check
B) you will receive them by direct deposit
C) the dividends are deposited into a Certificate of Deposit
D) the dividends are used to buy more shares of stock
8. Bonds are known as
A) fixed income investments
B) equities
C) dividends
D) no load mutual funds
9. When you purchase stock in a corporation
A) you are loaning money to the corporation
B) you are technically becoming a part owner of that corporation
C) you do NOT earn the right to vote on the direction of the company
D) you have to own the stock for at least one year before you are allowed to sell it.
10. Which of the following is the oldest measure of the U.S. stock market and the most widely used indicator of stock market activity?
A) The NASDAQ
B) The S&P 500
C) The Dow Jones Industrial Average
D) The Russell 2000
11. The total value of the securities a mutual fund owns divided by the number of shares outstanding is known as the mutual fund’s
A) Face Value
B) Net Asset Value
C) Market Value
D) Yield
12. Mutual Funds called “load” funds charge a high flat fee whyou purchase the fund or sell the fund.
A) True
B) False
13. TD Ameritrade is an example of a full-service brokerage company.
A) True
B) False
14. Treasury bonds are considered to be more risky than owning stocks.
A) True
B) False
15. A Roth IRA is beneficial because your withdrawls are tax-free.
A) True
B) False
16. IRA stands for Important Retirement Assets
A) True
B) False

Jere answers:
That’s a lot of questions. If you care to email me any particular ones you are having trouble with, I’d be glad to help you. Or, if you email me your answers, I’d be glad to check them over for you. Good luck.

William asks…
Should we tell the Americans that they haven’t been a capitalist society for decades?
A dictionary definition of Capitalism
Economic system characterized by the following: private property ownership exists; individuals and companies are allowed to compete for their own economic gain; and free market forces determine the prices of goods and services. Such a system is based on the premise of separating the state and business activities. Capitalists believe that markets are efficient and should thus function without interference, and the role of the state is to regulate and protect.
http://www.investorwords.com/713/capitalism.html
1) Economic system characterized by the following: private property ownership exists;
That has been subverted — no one owns land anymore — The idea that a tax can be levied against the ownership of land and still be owned by a private person is contradictory and amounts to rent for land payable to the municipal or State owners
This condition of capitalism does not exist in the US or in Canada or in the UK
2) Individuals and companies are allowed to compete for their own economic gain;
This has been subverted –less than 2% of the population owns 90 % of the money and industry — there is no competition when a small group of persons attains that level of power – Totalitarian regimes such as communism or fascism are ones where there are one or a handful of owners which defeats the ideals of competition
This condition of capitalism has not been met in the US Canada or in the UK
3) and free market forces determine the prices of goods and services.
This can only occur during a period when competition is allowed – With no competition an unseen elite sets prices and wages often to the detriment of the proletarian —
This condition of capitalism has not been met
4) Such a system is based on the premise of separating the state and business activities.
When the corporation gain too much power they have and will and are currently a force which the government itself must answer to – There is no separation of State and business — Business has become the government
This condition of capitalism has not been met
6) Capitalists believe that markets are efficient and should thus function without interference, and the role of the state is to regulate and protect.
Bail outs and massive injections of tax payers cash to failed business is in direct violation of this principle and has occurred on unprecedented levels as of late
This condition of capitalism has not been met
Should we tell the Americans that they haven’t been a capitalist society for decades ?
Blame Bush blame Obama blame Joe Blow or Joe the plumber
The US has not been a capitalist society for decades now
Should we tell them or keep it to ourselves ?
Zenmeister
Uh …….. no not at all always believe your leaders never question authority just blindly follow ………… yep follow it feels good doesn’t it ?

Jere answers:
Don’t tell them.
They will only get confused.
And the truly stupid, when confused, generally react with violence.

Daniel asks…
Is this graphics card good for games?
PALIT X800GTO 256meg DDR3 DVI TV-OUT HDTV AGP
Radeon X800GTO
RADEON X800 series Graphics Accelerator provides you – MASSIVE PERFORMANCE AND INNOVATIVE IMAGE TECHNOLOGY GIVE RISE TO HIGH-DEFINITION GAMING. The RADEON X800 GTO combines a powerful 12-pipe 3D engine with 256-bit memory interface and up to 1GHz* memory data-rate for truly outstanding performance on essential benchmarks and across the full range of games on the market today.
Specifications
* Bus interface: AGP 8X
* Memory Interface: 256 bit
* RAMDACs: 400 MHz
* CRT monitor: 15-pin VGA connector
* TV out: S-video out or AV out or HDTV out
* Dual CRT connector support with DVI adaptor (Optional)
* OpenGL 2.0
* Operation Support: Windows XP, Windows 2000, and Windows Vista
* Massively parallel High-Definition 3D gaming engine
* Integrated TV-out support up to 1024X768 resolution and HDTV display connection
* 3Dc ™ image enhancement technology
* SMARTSHADER™ HD featuring Direct X 9.0 and long shader support
* SMOOTHVISION™ HD
* HYPER Z™ HD
* VIDEOSHADER™ HD
CAN SOMEONE GIVE ME SOME ADVICE FOR CHOOSING THE GRAPHICS CARD???????

Jere answers:
That particular card is a little dated; it’s 3 generations old as far as ATi’s hardware goes. The latest series of ATi cards are the x3000 series, before that it was x2000, before that x1000, and before that is where the x800 sits.
If you can, get something newer, the ATi x2000 and x3000 series or nVidia’s 7000 and 8000 series. In particular any ATi x29**, x39** or nVidia 79** or 88** series card should be good to go for the majority of games out now.

Paul asks…
A beverage company wants to introduce a new soft drink in the market.You are a marketing manager in that compa
A beverage company wants to introduce a new soft drink in the market.You are a marketing manager in that company.A task has been assigned to you to promote that soft drink.So what are the different ways through which the soft drink will be promoted to the customer?
A beverage company wants to introduce a new soft drink in the market.You are a marketing manager in that company.A task has been assigned to you to promote that soft drink.So what are the different ways through which the soft drink will be promoted to the customer?

Jere answers:
Answer: –
Marketing as “planning and executing the strategy involved in moving a good or service from producer to consumer.”
DIRECT MARKETING
Definition: Sending a promotional message directly to consumers, rather than via a mass medium. Includes methods such as Direct Mail and Telemarketing.
A beverage company wants to introduce a new soft drink in the market. If I am a marketing manager in that company. A task has been assigned to me to promote that soft drink. So many different ways through which the soft drink will be promoted to the customer.
BASIC RULES OF MARKETING
There are following the rules
•Product
•Place
•Promotion
•Positioning
When we use these rules then we will successful in the market:
TAKING A RISK
Marketer takes a risk specifically when any new product is introduced in a market because there are equal chance of Success and failure,
CUSTOMER SATISFACTION
It is very difficult to satisfy the whole population. If we will satisfy the customer then our product is successful in the market. If we want to satisfy the customer then we would use the basic rules of marketing. Marketing to reduce, shift or change it. In reality, marketing management is really demand management.
ADVERTISING is a paid form of communicating a message by the use of various media. It is persuasive, informative, and designed to influence purchasing behavior or thought patterns.
PUBLIC RELATIONS are a form of communication primarily directed toward gaining public understanding and acceptance. Public relations usually deal with issues rather than products or services, and are used to build goodwill with public or employees. Examples of public relations are employee training, support of charitable events, or a news release about some positive community participation.
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Your Questions About Email Marketing Reviews

Betty asks…
Hi, is this a scam email I received?
I’m pretty sure this is a scam since I don’t have any idea how they know I’m a finance and accounting major, and never gave my email address out to anyone, but I’m having a hard time figuring out just exactly what the scam is since they aren’t asking me for any personal information, even in follow up emails. anyway, this is what the email says:
fromJovita Bernat
tog**************@gmail.com (I blocked my email out)
dateWed, Dec 2, 2009 at 4:32 AM
subjectEntry level position at MF GMBH is available now
mailed-byhotmail.com
hide details 4:32 AM (6 hours ago)
MF Group GmBH has a new enty level job opening in the Accounting Department. (No previous accounting experience is required). We are the largest Insurance Company in Europe with a successful long term commitment history.
About the Job:
We are looking for career oriented individual to join our accounting staff. This position is entry level and will be in our financial reporting and operations accounting areas. Candidate will handle various accounting responsibilities, including: perform data entry of journal entries, assist in performing financial transactions, assist with month?end, quarter-end and year-end financial reports, monitor and review transaction details, perform other duties as assigned.
About us:
Ag Int. is an independent, private, owner-managed company since 1993. Our headquarters are in Hamburg, Germany. Founded in 1993, we now have a global network of subsidiaries and offices around the world. Ag Int. has ended the year 2008 with USD3.22 billion in assets under management. The company provides unmatched convenience in Europe and the United States, serving more than 130.000 consumer and business clients. We take a global approach to our core businesses of general and life insurance. The diversity of our portfolio, both geographically and by line of business, is key to our strategy. We offer a comprehensive range of general and life insurance products and services for individuals, small businesses, commercial enterprises, mid-sized and large corporations and multinational companies. Our customers are some of the world’s largest industrial, c ommercial and professional service firms, insurance companies, and financial institutions. They trust us for our superior financial security, risk expertise, and service excellence. They value our fundamental strength ? our capital and our people. We aspire to become the leading global insurance group in our chosen markets, and to consistently deliver top-tier results for our shareholders. By so doing, we will create strong relationships with our customers, agents and brokers, and provide rewarding opportunities for our employees.
What we offer:
Full/Part time employment
Compensation 45.000 ? 55.000 USD + 13th salary
An excellent growth platform and a great working environment
Zero cost health insurance, matching 401(k)
Annual Partnership Exchange Programs
Free Regular Seminars
What are we looking for:
Must be US citizen or legal alien authorized to work in the US
High School degree (college degree is a plus)
Experience in Accounting/Bookkeeping is a plus
Must be willing to work overtime during certain parts of our month-end process
Ability to handle multiple tasks within a strict timeframe
Must have strong communication skills and customer service background
Should be able to work independently in a team environment
MS Office System Skills
Principals only. Recruiters, please don’t contact this job poster.
This company will appreciate your contributions and you will be valued for your dedication. AG Int. Is an equal opportunity employer and encourages applications from qualified women, minority and disabled candidates.
To Learn more about this position please contact Human Resources Department representative by replying to this E-Mail: alex.nuberg@gmail.com . Your request will be forwarded directly to a Recruitment Officer.

Jere answers:
Yes, it’s a scam. I am NOT a finance/accounting major and received the same email. A large company will not recruit employees in this manner and would not use a gmail account. Mine was from piter.herrick@gmail.com. Also, a large company would not state that this position requires a HS diploma, but that a college degree is a plus. Most large companies expect a college degree so unless you are working an internship partnered with your school and are A) excelling in school and B) excelling in your internship, this type of offer would not be common. The other possibility of this type of job offer without a degree is that you are already employed by a company and have demonstrated outstanding performance and capability on the job.
You should cease communication; they are probably looking for your personal information…i.e. Social security number, birth date, name…information to steal your identity. You say they haven’t asked…yet, but that will come when they “determine” you are their ideal candidate and want to “finalize” your application.

Joseph asks…
Advertising/Marketing/Promotional Ideas for a Day Spa with Massages Facials & Waxings?
I’m a ‘spa coordinator” at a amazing Day Spa in Orange County CA, but besides my receptionist duties, I’m also helping out (as much as I can) with any promotional ideas, marketing, & a little advertising.
We already do a lot of different things but I’d love to hear what specific techniques, or ideas would make you or anyone come back to a spa.
What are you looking for? What would be the cherry on top that really made the sunday (so to speak lol)
Here’s what we have already…
– a website inessencedayspa.com
– we send out flyers with promotional prices
– we send monthly emails with different deals
– we have 30min free GC we give away to clients, businesses, and homes
– “new guest specials” (discounted services for 1st-timers)
– a rewards cards where you refer people, write a review online, sign up for the membership, etc & recieve a certain number of pts for each thing & ultimately get a free hour massage or facial
– last but not least we have above average customer appreciation and service. we always put our clients first (which is the most important in my oppinion)
….but somehow we’re still not reaching our goals
I’d love some ideas of more specific things; maybe what someone you go to does to make you want to return! Or a spa that did something different & suprising in a good way…

Jere answers:
I feel your pain! Lol i run my own massage business from a gym and sometimes feel the crunch of a slow day. Here are a few things i do to drum up business:
when it’s slow, ask the techs (if you force them to do it, they just won’t provide a good service) if anyone is interested in giving mini services for free to promote themselves. Like nail techs can do hand massages, estheticians can do paraffin dips, massage therapists can do chair massages, stylists can do a blow out. Make sure the tech has business cards with their names so they can give it to the client and say, “if you enjoyed that service, please come back and see me and i’ll give you 10% off your first service with me”. You’ll be surprised. I do free chair massages once a week for 2 hours and get a lot of new business this way.
Another idea is to create a “last minute appt” e-mail list. I have people on a list and whenever i have a cancellation or any openings in my day, i send them an e-mail first thing in the morning and let them know that i have the following openings and if they book a slot i’ll give them 20% off. That works wonders!
Finally, try doing an open house on the spas closed day. Invite your regulars and have them bring a friend or 2. Offer light ppetizers and refreshments. Have the staff perform the mini services and talk to the potential clients. Finally raffle off a GC (whatever amount you want), one for existing clients and one for the potential clients.
Hope these tips help and good luck!!!

Sandy asks…
Today I got an email from Correll Group Ltd…Does anyone know anything about this…is it a scam?
Welcome NAME,
Our recruiters looked through the resume that you recently posted online. After an initial review of your skills, you are considered to be a quite successful candidate for the Financial Forwarding Coordinator position.
If you are interested in getting new experience, starting a new career, or simply receiving better pay, we would be happy to take you on. Now we are offering the part-time position of Financial Forwarding Coordinator.
Company we are representing is small but respectful in IT Outsourcing market which is situated in United States. Our system is perfect for managing IT networks and corporate IT organization who are interested in reducing complexity and increasing productivity.
Your compensation during the training period will be $2,300 per month, plus 8% commission after each transaction. Your total income will be around $4,500 per month. After the probationary period, your base compensation will increase to $3,000 per month, plus 8% commission.
Our goal is to spark your interest. In the present economy, our vacancy offers on-line training, support, and a pay scale comparable to entry-level positions that normally would require a regular 40 hour work week. I hope you will get back to me with your questions.
If you are interested in an agent or management opportunity, please contact us at HER EMAIL to schedule an interview.
Our recruiting managers will contact you within 2 business days.
We look forward to hearing from you soon!
Sincerely,
HR Recruiter

Jere answers:
100% scam.
There is no job.
There is only a scammer trying to steal your hard-earned money.
The next email will be from another of the scammer’s fake names and free email addresses pretending to be the “secretary/assistant/accountant” and will demand you cash a large fake check sent on a stolen UPS/FedEx billing account number and send most of the “money” via Western Union or moneygram back to the scammer posing as the “supply company” while you “keep” a small portion. When your bank realizes the check is fake and it bounces, you get the real life job of paying back the bank for the bounced check fees and all the bank’s money you sent to an overseas criminal.
Western Union and moneygram do not verify anything on the form the sender fills out, not the name, not the street address, not the country, not even the gender of the receiver, it all means absolutely nothing. The clerk will not bother to check ID and will simply hand off your cash to whomever walks in the door with the MTCN# and question/answer. Neither company will tell the sender who picked up the cash, at what store location or even in what country your money walked out the door. Neither company has any kind of refund policy, money sent is money gone forever.
When you refuse to send him your cash he will send increasingly nasty and rude emails trying to convince you to go through with his scam. The scammer could also create another fake name and email address like “FBI@ gmail.com”, “police_person @hotmail.com” or “investigator @yahoo.com” and send emails telling you the job is legit and you must cash the fake check and send your money to the scammer or you will face legal action. Just ignore, delete and block those email addresses. Although, reading a scammer’s attempt at impersonating a law enforcement official can be extremely funny.
Now that you have responded to a scammer, you are on his ‘potential sucker’ list, he will try again to separate you from your cash. He will send you more emails from his other free email addresses using another of his fake names with all kinds of stories of great jobs, lottery winnings, millions in the bank and desperate, lonely, sexy singles. He will sell your email address to all his scamming buddies who will also send you dozens of fake emails all with the exact same goal, you sending them your cash via Western Union or moneygram.
You could post up the email address and the emails themselves that the scammer is using, it will help make your post more googlable for other suspicious potential victims to find when looking for information.
Do you know how to check the header of a received email? If not, you could google for information. Being able to read the header to determine the geographic location an email originated from will help you weed out the most obvious scams and scammers. Then delete and block that scammer. Don’t bother to tell him that you know he is a scammer, it isn’t worth your effort. He has one job in life, convincing victims to send him their hard-earned cash.
Whenever suspicious or just plain curious, google everything, website addresses, names used, companies mentioned, phone numbers given, all email addresses, even sentences from the emails as you might be unpleasantly surprised at what you find already posted online. You can also post/ask here and every scam-warner-anti-fraud-busting site you can find before taking a chance and losing money to a scammer.
6 “Rules to follow” to avoid most fake jobs:
1) Job asks you to use your personal bank account and/or open a new one.
2) Job asks you to print/mail/cash a check or money order.
3) Job asks you to use Western Union or moneygram in any capacity.
4) Job asks you to accept packages and re-ship them on to anyone.
5) Job asks you to pay visas, travel fees via Western Union or moneygram.
6) Job asks you to sign up for a credit reporting or identity verification site.
Avoiding all jobs that mention any of the above listed ‘red flags’ and you will miss nearly all fake jobs. Only scammers ask you to do any of the above. No. Exceptions. Ever. For any reason.
If you google “fake check cashing job”, “fraud Western Union scam”, “check mule moneygram scam” or something similar you will find hundreds of posts from victims and near-victims of this type of scam.

Carol asks…
How to get published quickly?
I have written an 80 000 word crime novel. I have reviewed it properly, and it is quite good. Are there any publishers that would accept submissions(preferably by email) unsolicited?(in US) Please don’t tell me go to writers market. Otherwise, what would be the best and quickest way?

Jere answers:
Xlibris Publishing, they will be happy to help you. They are a division of Random house publishing and I have had recent dealings with them, they’re internationally based. I would suggest them over anyone, you don’t need an agent all you need to do is write the book and be able to invest some money. You’ll get a book published in no time flat. Go to the website and there will be prompts for whatever type of book you want published, they’ll ask for an email, they’ll email you soon after. For me it was just under a week.
Http://www.xlibris.com

Donald asks…
What is the nearest phone to Nokia 5800?
I need a smart phone similar to Nokia 5800 but confused by reviews of loads of products in the market. I need phone with some good media facilities – especially music and video – a large screen, push emails and preferably Turkish language option. Any suggestions?
Thanks

Jere answers:
You can get a nokia 5530 which is similar to the nokia 5800 but a cheaper option. There are loads of new samsung alternatives in the market too, you can get the samsung jet, samsung tocco lite. These have all good media facilities of music and video and watching video on the big touch screens is a huge advantage. Nokia have also the X6, the 5239 and these are all excellent phones. You will have to check with the place you are going to buy from whether the phone will have a turkish option or not as it depends on where the phones are made.
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William asks…
how airbus gain in market share affect the legitimacy of claims for subsidies?
in december 2003, Boeing announced it would go ahead with the development of its latest commercial jetliner, the 7E7, which Boeing will position against Airbus’s popular A330 aircraft. The “E” in the Boeing 7E7 stands for ‘efficient.’ By making extensive use of new composite and engine technology, Boeing hopes to reduce the aircraft’s operating costs by as much as 20 percent compared to a traditional design. If it is successful, this will make the plane a potent competitor against the best-selling A330. however, the 7E7, now renamed the 787, is a risky project for Boeing. The aircraft will cost about $7 billion to develop, according to industry estimates, and demand is uncertain. To share the costs and risks of development Boeing has taken on several partners who will help to design and build the 787. Most important among these are a trio of three Japanese companies, Mitsubishi Heavy Industries, Kawasaki Heavy Industries, and Fuji Heavy Industries. Collectively, these three companies will probably build as much as 35 percent of the 787 by value, including parts of the fuselage, wings, and landing gear. They will ship the finished components to everett, Washington, for final assembly. These three companies are longtime Boeing partners. They contributed about 21 percent by value to Boeing’s last new jetliner, the Boeing 777. Although there has been a long history of development subsidies in the commercial aerospace industry, a 1992 agreement between Boeing and Airbus limits the state aid either company can get from their respective governments. Airbus, now a private company, is limited to repayable launch aid that must not exceed one-third of the development costs of a new aircraft. The launch aid has to be repaid only if aircraft sales are high enough for Airbus to turn a profit on the investment in a new plane. As for Boeing, indirect aid from U.S. government agencies such as R&D contracts from the Pentagon and NASA are capped at 4 percent of its total revenues. It is unclear if the 1992 agreement extends to other parties in the projects. The Japenese Aircraft Development Corporation, an association of Japanese aircraft makers, has asked the Japanese government for help with the 787 project. The country’s Ministry of Economy, Trade, and Industry has submitted a budget request that would make the 787 a “national project. Newspaper reports put the request at about $1.5 billion. Upon hearing this, Airbus officials were quick to claim that the arrangement could violate several international agreements, including a 1994 WTO prohibition against subsidies that can harm competitors. Behind the scenes, Airbus executives started to urge the European Union to look at the issue and possibly file a case on their behalf. They also noted that Boeing received aid from the states of Washington and Kansas, where its factories are located, and that also constitutes an unfair subsidy that was outside the scope of the 1992 agreement. In mid-2004, the issue became even more contentious when the u.s. government demanded an end to airbus’s launch aid. airbus had already been granted lans of 3.7 billion to develop its latest aircraft, the A380 super-jumbo, but what really got attention in america were signs from airbus that it would also build a direct competitor to the 787, the A350, and ask for launch aid to help cover the development costs of that plane. Estimates suggested the lunch aid for the A350 could total $1.3 billion. furthermore, in 2004 airbus surpassed boeing in global market share. American officials felt that given the strength of the company, subsidies were no longer appropriate. In late 2004, the EU and U.S. government entered into negotiations to try to resolve the dispute, but talks ended in March 2005 with no agreement. The dispute now goes to the World Trade Organization, which must rule on the legality of the various subsidies. Meanwhile, Boeing is starting to pile up orders for the 787, and industry observers speculate that the longer launch aid for an airbus competitor is stalled in legal limbo, the less likely Airbus will be to go ahead with the plane.

Jere answers:
Well, its obvious that subsidies go down as a company gets stronger. And if they are gaining market share, then they are getting stronger. So, their subsidies will go down. And these subsidies could eventually become nothing. But, lets say that they gained market shares. And the government thought that it would be good for the economy and for efficiency of fuel, money, etc etc. If the government wanted to, they could give a subsidy. But, this of course has to take place after they figure out if they are allowed to or not. And, if it was such a good plan to develop these new technologies, and they are gaining market share, the government would not give a subsidy. Mostly due to the fact that, even without a subsidy, these companies would go ahead and develop these new planes anyways…So, the government would not have to dish out money. If these companies were short of money, they would borrow from banks or ask their partners to try to give more to help develop these projects.

Helen asks…
Any comment to my Resume?…?
Mark Twain
P. O. Box 712 • Langley Park, MD • 20787
Cell: (xxx) 491 6305 • fk_w@yahoo.com
OBJECTIVE: To obtain an entry level Nuclear Medicine Technologist position that will enable me to implement and develop the skill and knowledge that I acquired during didactic and clinical rotation in the past.
EDUCATION: -Prince George’s Community College, Largo, MD
AAS in Nuclear Medicine Technology (anticipated graduation
date: July 3, 2008)
-Diploma in Airline Marketing and Sales, Ethiopian Airlines, July 1995
Achievements: President’s List, Dean’s List, Phi Theta Kappa member;
GPA: 3.96;
Attended 37th Annual Fall SNMTS Meeting of Eastern Chapter,
Solomon’s Island, MD October 20-21, 2007
LICENSES: American Red Cross (First Aid) Exp. June 2009
American Heart Association (CPR & AED) Exp. March 2010
EXPERIENCE: -Prince George’s Hospital Center, Cheverly, MD, Jan 2008- To date
-Washington Hospital Center, Washington, DC, Sep – Dec 2007
Beyond observing and assisting Staff Technologists’, I have checked written orders and patient history, set IVs, prepared; calibrated; and administered radiopharmaceuticals. I then acquired images according to written protocol, and processed those images to be interpreted by the radiologist. The protocols during my clinical rotation include but not limited to: SPECT/CT of cardiac, Thyroid up-take, Thyroid scan & therapy, Parathyroid scan, Lung ventilation/Perfusion, Bone scan, HIDA, Gastric emptying, cysternography, Renal scan, MUGA and Lymphoscintigraphy just to name a few. In line with this, I have utilized variety of equipments such as E-CAM, Genesys, Vertex, PICKER PRISM XP 2000, Orbiter cameras and GEMINI TF PET/CT system.
OTHER WORK EXPERIENCES
•Admiral Security Service, Security Officer, Bethesda, MD Jan – Dec 2007
I was responsible to prevent the theft, misappropriation, or concealment of goods, money, valuable documents, articles and damage of real or personal property. I also was in charge of protecting citizens from assaults, disorders and illegal occurrences at private properties, meetings, and events.
•Source One Direct, senior data card producer, Atlanta, GA June 2002- Dec 2006
My duty includes personalizing data cards for many of the world’s most prominent companies in insurance, finance (Visa, MasterCard…), loyalty related services, retail, telecom, and public utilities.
•Ethiopian Airlines, Senior Ticket agent, Addis Ababa, Ethiopia July 1995 – May 2001
My duties and responsibilities include issuing air tickets, hotel reservations, cargo sales and handling, cashier activity & daily sales reporting, resolving customer complains and flight irregularities, consulting visa; custom and health requirements to travelers, mentoring junior and entry level airline agents.
REFERENCES: Will furnish up on request

Jere answers:
Objective- it is okay, yet ordinary.
Education- put the clinical hours of the two hospitals you were in and sorry to say this does not count as your professional experience at all because you are still a student so if something goes wrong, whoever is responsible for you gets the boot, eg: clinical instructor, tech so their licenses are on the line but you’ll only get a slap in the wrist compared to them. If you have room, put the type of machines you were using. PUT the date when you begun the program and end the program in nm program and your sales program. Put “Eligible for the blah blah registry exam and when will you be able to take it” and also “Eligible for the State license if it is applicable to your state regulations.”
Licenses- fine. When you pass your registry and attain ur state license if applicable, put it here.
Experience-unfortunately like I said clinical education does not count due to the reason I just said. Do you have any at all that relates to your occupation like EMT, transporter, have you ever worked in a hospital or with people period. If anything, put the work experience, what you had before. DON’T PUT IT ALL BECAUSE YOU MUST MAKE YOUR RESUME TO A PAGE ONLY! One little note, DONT MAKE SENTENCES, MAKE FRAGMENTS WITH IMPORTANT VERBS THAT ARE UNDERSTANDABLE. It seems your work experience deal with different t ypes of peole so put it but remember A PAGE OF A RESUME. So leave things out if you have to. Either way you do have zero experience in the field like any graduate does in the nm program unless you worked in the health field before as a blah blah, then say that, eg: RN, RT(R), RTR, etc.
Skills: where is it? Do you speak any other language, are you good with computers? , are you competent with venipuncture? Here’s this one you can use from me:
Able to adapt to any environment when necessary.
Advices: dont make sentences again, make good fragments with verbs that stand out. Use bulletins and make everything aligned.
Good luck. By the way do any means necessary to find a job, intern, know people, network, know other modalities (MR, x ray, CT scan and get registered).

Lizzie asks…
Has anyone mentioned this……?
That FIFA president Blatter was accused of corruption back in 1998 or 2002….
Sepp Blatter’s 1998 election to the presidency of FIFA over UEFA President Lennart Johansson occurred amidst much controversy. His 2002 candidacy has been marked with rumours of financial irregularities and backroom dealings, culminating with direct accusations of bribery, by a third party, made in the British press by the Farra Ado, vice-president of the CAF and president of the Somalian football association, who claimed to have been offered $100,000 to vote for Blatter in 1998.
Amidst internal divisions ,FIFA’s secretary-general Blatter’s deputy and former protégé, Michel Zen-Ruffinen drew up a 30-page dossier outlining allegations of financial mismanagement within the organisation. The dossier alleged that the collapse of FIFA’s marketing partner ISL had led to losses of up to $100m under Blatter’s management. The allegations were backed by Johansson, and the dossier was handed to the Swiss authorities, but they cleared him of any wrong doing and FIFA had to pay all the costs. An internal investigation within FIFA was halted by Blatter because members of it broke confidentiality agreements.
Could this include last year’s CL semi-final between Chelsea and Barcelona ?
And… becasue he is a “Knight of the French Legion of Honour” he didn’t do anything to replay a match between France
and Ireland…is he making football by his favorites?

Jere answers:
Yeah! I think so because of the uncalled penalties.

Linda asks…
With all the recalls I thought I would share:?
this is an actual research page I found when working for a home vet and she loved it so much that she put it on her page..read it with an open mind…and think…here is her page also if you are interested..http://www.carinrennings.com
(Don’t read if you have a weak stomach)
What’s Really for Dinner?
The Truth About Commercial Pet Food, by Tina Perry
Cow brains. Sheep guts. Chicken heads. Road kill. Rancid grain. These are a few of the so-called nutritionally balanced ingredients found in the commercial pet food served to companion animals every day.
More than 95 percent of US companion animals derive their nutritional needs from a single source: processed pet food. When people think of pet food, many envision whole chickens, choice cuts of beef, fresh grains, and all the nutrition that a dog or cat may ever need — images that pet food manufacturers promote in their advertisements. What these companies do not reveal is that instead of whole chickens they have substituted chicken heads, feet, and intestines. Those choice cuts of beef are really cow brains, tongues, esophagi, fetal tissue dangerously high in hormones, and possibly diseased and even cancerous meat. Those whole grains have had the starch removed for corn starch powder and the oil extracted for corn oil, or they are hulls and other remnants from the milling process. Grains used that are truly whole have usually been deemed unfit for human consumption because of mold, contaminants, poor quality, or poor handling practices. Pet food is one of the world’s most synthetic edible products, containing virtually no whole ingredients.
Pet food manufacturers have become masters at inducing companion animals to eat things cat and dogs would normally spurn. Pet food scientists have learned that it’s possible to take a mixture of inedible scraps, fortify it with artificial vitamins and minerals, preserve it so that it can sit on the shelf for more than a year, add dyes to make it attractive, and then extrude it into whimsical shapes that appeal to the human consumer. For this, pet food companies can expect to earn $9 billion in sales in 1996.
Scraps and Byproducts For years, many care givers have tried to avoid feeding their companion animals people food leftovers, having been warned by veterinarians about the heath problems they can cause. Yet much scrap material from the human food industry is ending up in dogs and cat’s dinner bowls. What the consumer purchases and what the manufacturer advertises are often two entirely different products, and this difference threatens the animals healthy, especially as they age. Learning to read ingredient labels and taking the time to read them carefully is crucial to making an educated choice when purchasing pet food. Ingredients are listed in descending order of weight (heaviest first) under standards established by the Center for Veterinary Medicine for the Food and Drug Administration (FDA). The name of the product (in most states) is dictated by the regulations of the American Association of Feed Control Officials (AAFCO). The trouble is, AAFCO standards can lead to deceptive product names due to the weight and volume variations between wet and dry ingredients. Also, the average consumer has no idea what the definitions for the listed ingredients mean. Preservatives, vitamins, minerals, flavorings, and cereal make up most of what the companion animal eats.
It is not happenstance that four of the top five major pet food companies in the United States are subsidiaries of major multinational food production companies: Colgate Palmolive (which produces Hills Science Diet), Heinz, Nestle, and Mars )see The Corporate Connection). From a business standpoint, multi-national food companies owning pet food manufacturers is an ideal relationship. The multinationals have captive market in which to dump their waste products, and the pet food manufacturers have a direct source of bulk materials. Both make a profit from selling scraps that originate from places far worse than the dinner table. In his 1986 book Pet Allergies veterinarian Al Plechner sums up what goes into companion animals food: Condemned parts and animals rejected for human consumption are routinely rerouted for commercial pet foods. A similar fate applies to so-called 4-D animals. These are food animals picked up dead, or that are dying, diseased, or disabled, and do not meet human-food qualifications. They are processed straightaway for companion animal consumption. Little goes to waste. Says Plechner, Food processing refuse of all sorts winds up in your animals dinner bowls. Moldy grains. Rancid foods. Meat meal. The latter is ground-up slaughterhouse discards often containing disease-ridden tissue and high levels of hormones and pesticides, the very things that may have contributed to the death of the steer or hog. A decade later, his words still apply. When cattle, swine, chickens, lambs, or other animals meet their ends at a slaughterhouse, the choice cuts — lean muscle tissue and organs prized by humans — are trimmed away from the carcass for human consumption. Whatever remains of the carcass (bones, blood, pus, intestines, ligaments, subcutaneous fat, hooves, horns, beaks, and
any other parts not normally consumed by humans) is, according to the pet food industry, perfectly fit as a protein source for cat and dog food.
The Pet Food Institute, the trade association of pet food manufacturers, acknowledges in its 1994 Fact Sheet the importance of using byproducts in pet foods as additional income for processors and farmers. The purchase and use of these ingredients by the pet food industry not only provides nutritional foods for pets at reasonable costs, but provides an important source of income to American farmers and processors of meat, poultry, and seafood products for human consumption. Many of these remnants are indigestible and provide a questionable source of nutrition. The amount of nutrition provided by meat byproducts, meals, and digests varies from vat to vat of this animal protein soup. A vat filled with chicken feet, beaks, and viscera is going to make available a lower amount of protein than a vat of breast meat. James Morris and Quinton Rogers, professors with Department of Molecular Biosciences at the University of California at Davis Veterinary School of Medicine, assert that there is virtually no information on the bio-availability of nutrients for companion animals in many of the common dietary ingredients used in pet foods. These ingredients are generally byproducts of the meat, poultry and fishing industries, with the potential for wide variation in nutrient composition. Claims of nutritional adequacy of pet foods based on the current AAFCO nutrient allowances (profiles) do not give assurances of nutritional adequacy and will not until ingredients are analyzed and bioavailability values are incorporated. Meat byproducts, the catch-all term of the pet food industry, is a misnomer because these byproducts contain little if any meat. Byproducts contain little if any meat. Byproduct are animal parts leftover after the meat has been stripped from the bone. Chicken byproducts include heads, feet, entrails, lungs, spleens, kidneys, brains, livers, stomachs, noses, blood, and intestines free of their contents. What the pet food manufactures fail to mention is that most byproducts, digests and meals are also filled with other substances, such as cancerous tissue cut from the carcass, plastic foam packaging containing spoiled meat from supermarkets, ear tags, spoiled slaughterhouse meat, road kill, and pieces of downer animals.
Canned Cannibalism Another source of meat that isn’t mentioned on pet food labels is pet byproducts, the bodies of dogs and cats. In 1990 the San Francisco Chronicle reported that euthanized companion animals were found in pet foods. Although pet food company executives and the National Renderers Association vehemently denied the report, the American Veterinary Medical Association and the FDA confirmed the story. The pets serve a viable purpose by providing foodstuff for the animal feed chain, said Lea McGovern, chief of the FDA’s animal feed safety branch. Because of the sheer volume of animals rendered and the similarity in protein content between poultry byproducts and processed dogs and cats, rendering plant workers say it would be impossible for purchasers to know the exact contents of what they buy. In fact, Sacramento Rendering cited by inspectors five times in the past two years for product-labeling violations.
Grease and Grain
The most nutritious dry pet food is no better than the worst if animals will not eat it. Pet food scientists have discovered that spraying the kibble or pellets with a combination of refined animal fat, lard, kitchen grease, and other oils too rancid or deemed inedible for humans makes an otherwise bland or distasteful product palatable. Animal fat is mainly packing house waste or supermarket trimmings from the packaging of meats. Animals love the taste of this sprayed fat, which also acts as a binding agent to which manufacturers may add other flavor enhancers. The pungent odor wafting from an open bag of pet food is created by this concoction. Restaurant grease has become a major component of feed-grade animal fat over the last 15 years. Often held in 50-gallon drums for weeks or months in extreme temperatures, this grease is usually kelp outside with no regard for its safety or further use. The rancid grease is then picked up by fat blenders who mix the animal and vegetable fats together, stabilize them with powerful antioxidants to prevent further spoilage, and then sell the blended products to pet food companies. Rancid, heavily preserved fats are extremely difficult to digest and can lead to a host of animal health problems, including digestive upsets, diarrhea, gas, and bad breath. Once considered filler by the pet food industry, the amount of grain products included in pet food has risen over the last decade as the American population has focused its attention away from consuming beef and toward a healthier diet of grains and vegetables. Commonly two of the top three pet food ingredients are some form of grain products. For instance, Alpo’s Beef Flavored Dinner lists ground yellow corn, soybean meal, and poultry byproduct meal as its top three ingredients. 9 Lives Crunchy Meals lists ground yellow corn, corn gluten meal, and poultry byproduct meal as its top three ingredients. Of the top four ingredients of Purina’s O.N.E. Dog Formula — chicken, ground yellow corn, ground wheat, and corn gluten meal — two are corn-based products from the same source. This is an industry practice known as splitting. When components of the same whole ingredient are listed separately (ground yellow corn and corn gluten meal) it appears that
there is less corn than chicken, even when the whole ingredient may weigh more than the chicken. Soy is another common ingredient in many pet foods. It is used by the manufacturers to boost the claimed protein content and add bulk so that when animals eat a product containing soy they will fell more sated. Tofu is suitable for humans, but most forms of soybean do not agree with a dog or cat’s digestive system. Like many other pet food ingredients, soy is virtually unusable by an animal’s body. Being obligate carnivores, cats have little ability to digest any nutrients from soy. The problem is worse for dogs because they lack the essential amino acid to digest soy products. Soy has also been linked to bloat and gas in many dogs.
Additives and Processing
Pet food industry critics note that many of the ingredients (such as corn syrup and corn gluten meal) used as humectants to prevent oxidation also bind water molecules in such a way that the food actually sticks to the animal’s colon and may cause blockage. Blockage of the colon may cause an increased risk of cancer of the colon or rectum. Two-thirds of the pet food manufactured in the United States contains synthetic preservatives added by the manufacturer. Of the remaining third, 90 percent includes ingredients already stabilized by synthetic preservatives. Because most pet food contains large percentages of added fat, a stabilizer is needed to maintain the quality of the food. Sodium nitrite, often used as a coloring agent, fixative, and preservative, has the ability to combine with natural stomach and food chemicals (secondary amends) to create nitrosamines, powerful cancer-causing agents, according to A Consumer’s Dictionary of Food Additives.
Many pet foods advertised as preservative-free do not contain preservatives. Almost all rendered meats have synthetic preservatives added as stabilizer, but manufacturers aren’t required to list preservatives they themselves haven’t added. Premixed vitamin additives can also contain preservatives. In the 1003 Journal of the American Veterinary Medical Association, veterinarian Philip Roudebush reported finding low concentrations of synthetic antioxidant preservatives in all analyzed samples of products labeled as chemical free or all-natural. Other types of additives depend on whether the pet food is semi-moist, dry or canned. Because semi-moist food contains 25-50 percent water, antimicrobial preservatives must be used. Propylene glycol was frequently used in cat food until it was pulled in 1992 for causing a variety of health problems. Processing greatly alters the nutritional value of the food ingredients. Veterinarian R. L. Wysong states in Rationale for Animal Nutrition: Processing is the wild card in nutritional value that is, by and large, simply ignored. Heating, freezing, dehydrating, canning, extruding, pelleting, baking and so forth, are so commonplace that they are simply thought of as synonymous with food itself. Because the ingredients that pet food companies use are not wholesome, and harsh manufacturing practices destroy what little nutritional value the food may have had in the first place, the final product must be fortified with vitamins and minerals.
Questionable Nutrition
How, then, can any pet food be guaranteed to be 100 percent complete or nutritionally adequate? As long as it meets the AAFCO minimum standards, such a guarantee can be on the label. Yet in 1994, feed tests conducted by the New York State Agriculture Department showed 7 percent of all pet foods analyzed failed chemical analyses for guaranteed nutrients. Other states report similar findings, with failure of analyzed feed ranging from to 12 percent. Even if a pet food meets AAFCO standards, certain nutritional requirements (for example, lysine) can vary between species by as much as seven-fold. Although manufacturers clam that millions of companion animals can thrive on a diet consisting of nothing by commercial pet food, research and an increasing number of veterinarians implicate processed pet food as a source of disease or as an exacerbating agent for a number of degenerative diseases. For example, kidney disease is on of the top three killers of companion animals. According to Plechner, the extra protein and harsh ingredients of many pet foods place an overload on the kidneys. Left untreated, the toxic buildup leads to vomiting, loss of appetite, uremic poisoning, and death. Wysong adds, In the last few years, large statistical studies have shown the link between the diet (of processed foods) and a variety of degenerative diseases, including cancer, heart disease, allergies, arthritis, obesity, dental disease, etc. After extensive research, the Animal Protection Institute (API) published a Pet Food Investigative Report to educate companion animal care givers about pet food ingredients, ingredient definitions, labeling, and dietary ailments resulting from processed commercial pet food, including the most commonly know brands. Yet, whether such food is purchased at the supermarket, pet store, or from a veterinarian, it makes little difference in terms of the quality — only in the cost. Since the report was published earlier this year, API has conducted more research on holistic pet care and pet food alternatives, but still claims that the vast majority of pet foods available on the market today provide less that optimum nutrition for companion animals.
It is sad to think that the food provided by animal care givers to their four-legged friends could be hazardous to the animals’; health and longevity. Care givers should assume responsibility for providing as healthful a diet as possible for the animals in the care. Consumers should be informed: speak with a holistic practitioner or herbalist, or consult your veterinarian (but be aware that a veterinarian’s knowledge of nutrition may be limited to the two weeks of nutrition he or she had veterinary school 20 years ago). Although the ideal solution would be for companion animals to be fed only wholesome homemade and/or vegetarian diets, this is not an optician for everyone — the cost and time commitment is sometimes prohibitive. By taking more moderate steps, however, care givers can still greatly improve companion animals’ diet and quality of life.
EDIT: On Carin Rennings page she lists recommended diets… she really researched them and its really helpful….go check it out..smile
EDIT EDIT: sorry but it is still happening to the person that said its not… when I did my research I asked around and found out that the people that picked up the dead pets from the vets offices that did not want a private creamation actually had a company come in and pick the bodies up…really sick…valley protien I think was the name of the company…
I am not just trying to “SCARE” people …here is more proof….read this article JUST WRITTEN!! and see for yourself whats in your pet foods!!
http://www.petfoodreport.com/aboutpetfood.htm#ingredients
Edit: as far as ill timing and such… I think its just the right time!! people need to open their eyes…so sorry you 2 feel that way…smile
http://www.api4animals.org/facts.php?p=359&more=1

Jere answers:
Thanks for the research and letting others see it. Those who are new pet owners should know about it, if they don’t already.

John asks…
history help?!?! 10 points best answer~?
1. Which was NOT a cause of the Protestant Reformation?
corruption in the church
sale of indulgences
Thirty Years’ War
worldliness and greed among church officials
2.Which was NOT an accomplishment of Galileo Galilei?
producing a precise astronomical calendar
creating a powerful telescope
discovering moons orbiting Jupiter
confirming that the earth revolves around the sun
3.Which is NOT a reason democracy failed following most Latin American revolutions?
Military strongmen called caudillos took control of many areas.
Latin America had no valuable natural resources.
Leaders had very little experience with self-government.
Old class systems prevented true equality.
4.Which was NOT used to justify European imperialism in the late nineteenth century?
a new wave of nationalism
a belief in European superiority
creation of a social utopia
social Darwinism
5.Which countries did NOT ally with each other prior to World War I?
Serbia and Russia
Russia and Austria-Hungary
Germany and Austria-Hungary
Russia and France
6.Which was NOT a change called for by Woodrow Wilson’s Fourteen Points?
a new association of the world’s nations
a ban on chemical weapons
an end to secret diplomacy
absolute freedom of the seas
7.Which was not a change that occurred in U.S. society during the 1920s?
More people owned cars.
Women wore new fashions and embraced new styles.
Electrical power became available to more people.
Factories scaled back production due to the poor economy.
8.Which was not a direct cause of the Great Depression?
the stock market crash
decline in farming prices
bank failures
the rise of fascism
thank you and please give accurate answers! this is very important i need to know what to study!

Jere answers:
1. Which was NOT a cause of the Protestant Reformation?
– Thirty Years’ War
2. Which was NOT an accomplishment of Galileo Galilei?
– Producing a precise astronomical calendar
3. Which is NOT a reason democracy failed following most Latin American revolutions?
– Latin America had no valuable natural resources.
4. Which was NOT used to justify European imperialism in the late nineteenth century?
– Creation of a social utopia
5. Which countries did NOT ally with each other prior to World War I?
– All of them were allies at some point before World War I.
Of all the countries mentioned above, I think only Serbia and Russia didn’t have OFFICIAL alliance, so the only possible answer is that one (if the answer ‘none of the above’ is unavailable). Read on for more details.
– Serbia and Russia – had numerous alliances, mainly aimed against the Ottoman Empire.
– Russia and Austria-Hungary – were allies during the War of the Polish Succession (1733–1738), the War of the Austrian Succession (1740–1748), the Seven Years’ War (1756–1763), etc.
– Germany and Austria-Hungary – became allies in 1879, known then as the Dual Alliance.
– Russia and France – were allies many times, most notably in 1807 (following the Treaty of Tilsit) and in 1892 (The Franco-Russian Alliance).
6. Which was NOT a change called for by Woodrow Wilson’s Fourteen Points?
– A ban on chemical weapons
7. Which was not a change that occurred in U.S. Society during the 1920s?
– Factories scaled back production due to the poor economy.
8.Which was not a direct cause of the Great Depression?
– The rise of fascism
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Your Questions About Business Online San Diego

George asks…
Which area – Sacramento or Sandiego, is better for me?
Considering two places to move in California – Sacramento and San Diego suburbs
Desired Criteria:
Much shops, restaurants, and businesses
Nice looking buildings
Mostly moderate or liberal
I have heard online that Sacramento (perhaps only referring to city) is both dull and not mostly residential (not much businesses?). I have also seen some pics and videos online indicating that the Sacramento suburbs (not city) might be genarly more attractive in terms of business architecture (shops, restruants, businesses).
PS: please keep in mind I am only refering to the suburbun areas not the city
Thanks a lot Califonians! – I am a native from Michigan

Jere answers:
My daughter moved to San Diego after college, and loves the ambiance there. Just be aware that San Diego is a very politically conservative area, which contrasts to the Sacramento area.
If you want shops, building, businesses, etc, look at Elk Grove, Folsom, or Roseville, all “suburbs” of Sacramento.
BTW, my brother went to MState and found it to be much, much colder than most places in California.

Chris asks…
File a complaint about my Employer!!!?
I live in San Diego, California. I am so frustrated that I cannot find anywhere to simply submit information online to a government agency regarding my employers’ unfair business practices. I can’t even post my information at the Better Business Bureau. It’s only for consumers… And the only resource I found under the list of State Agencies thus far is the Department of Fair Employment and Housing but I have to supposedly go through a lengthy complaint process that begins with an in-person interview: http://www.dfeh.ca.gov/complaintEmployment.asp
I simply desire to report that an employer of mine, Attack Marketing, refuses to abide by our contractual agreement of paying 3-6 weeks after completion of work as promised, but are routinely paying over and beyond 13 weeks after completion of work.

Jere answers:
Are you sure in the contract there isn’t a provision for you being paid when the job is paid if it is marketing for outside companies which trumps the 3-6 week provision?
If not, you will have to go through fair employment – I realize it is a pain, but the reason for it is due to a lot of disgruntled employees that try to make claims that aren’t true – the lengthy process weeds them out.

Daniel asks…
Thinking about moving back to California!?
I am currently 21 years old and am going to graduate college by this fall (finishing online) with a degree in International Business. I have absolutely no student debt and a decent enough car to get me to California. My aunt is going to let me stay with her (Riverside, CA) while I look for a job and get myself situated and finish school. I was born in San Diego and lived in Corona until I was 14 years old. I now live in Evansville, IN. I miss it and do not have anything keeping me here.
Do you think this is a possible endeavor? I have about $1000 saved which isn’t much but I have several months to continue to save. I am hoping to move around April and finish my schooling while I work. I am extremely aggressive when it comes to finding a job, and even in this economy, I haven’t ever found it to be impossible to find a job.
Just hoped to get some insight from some older, probably much wiser individuals. Thanks!

Jere answers:
Riverside has very high unemployment.
The low rate is San Francisco bay area, orange county and San Diego, try those 3 places.

Sandy asks…
ATTENTION Las Vegas Nevada: I am looking for witnesses to come forward with evidence. Are you one?
Anyone in Las Vegas familiar with the term mobbing or organized gang stalking?
I would like to know if there are any anti mobbing/gang stalking organization in Las Vegas, because I am being mobbed/gang stalked in Las Vegas and you will never believe by who.
I am looking for others who have experienced this and want to join a anti stalking group. (There is power in numbers, so lets get together and do something about!)
I am also a victim of COINTELPRO. In case some of you don’t know what that is I have provide videos on the subject.
Cointelpro:
http://www.youtube.com/watch?v=Ztci2RNUAfU
http://www.youtube.com/watch?v=D7T1-wb_8-I&feature=related
http://www.youtube.com/watch?v=DWfPaBNIjVA&feature=related
http://www.youtube.com/watch?v=Mwlf9aU8uv0&NR=1
Don’t be afraid to come out of the closet, your not alone! I have been a victim of this crime for 12+ years, and it hasn’t stopped since even through I have moved to several cities.
I moved to Las Vegas 21 months after being stalked/slandered/mobbed out of a previous city where used to lived (quietly I must say) and now its happening here under the same circumstances!
I am being slandered all over the city by Las Vegas by the Las Vegas Police who are FALSELY accusing me of slandering the city of Las Vegas and Firemen, and heinously ugly, a slut, having little droopy boobs, being a serial killer and other slanderous things about me if I don’t meet the demands of what is called casting lots (SIGNS) that they themselves have set up to frame me with to convince the public of these lies about me, because of the public’s own depraved state.
A tactic that the San Diego Police and Fire Dept used in San Diego when I lived there almost two years ago where I was stalked and slandered daily and out of that city by the San Diego PD and FD who were falsely accusing me of slandering the city of San Diego and trying to destroy the city and Firemen and many other lies about me, too long to write here, by appealing to the depraved stated of the people there, telling them things like I am the heinously ugliest women that ever lived and that everybody is better looking than me and are a god. The same tactic LVPD is using in this city, stirring up the public in it. I assure this has to do with Police jealousy of me.
In other words they covet and want my stuff (good looks and status) that they don’t have and want badly. If you think this is ludicrous, I challenged you to go to the Bonneville Transit Center and ride the city buses, esp rout 209 and 113 and ask the passengers about the women with the black and white head scarf that wears sunglasses. The bus drivers are told by the LVPD to tell the bus passengers lies about me that are shocking. Now the LVPD is going about the city slandering ME to business all over town.
I need people to get on these buses and report your findings to The Police Complaint Center online, and tell them this has to do with the Steve Martinez case. Stop this police and public corruption going on all over this city. Thank you.
I believe the only way to stop it, is to expose it! I will work in your behalf and you can work in my behalf to exposing this crime!
Feel free to contact me. Thank you.

Jere answers:
Sorry to hear this. This is a degenerate age obviously!

Paul asks…
My dog has gone missing and is presumed to have been taken by coyotes. When do I give up looking?
My dog went missing from my San Diego house 4 days ago while I was out of town on business. I had my friend watching my house and my two dogs. She said that when she went to bed, both dogs were inside in their beds and when she awoke, one of them was gone (my 12lb boston terrier baby). We have a dog door so they can go in and out as they please and we usually close it at night because they have been known to bark and bother the neighbors, but i guess we failed to mention this to our house sitter. The neighbors said they heard coyotes close by and that they heard our dogs barking and crying in the night. I have put up fliers in my neighborhood, hiked through the canyon that backs up to my house for hours searching for evidence (didn’t find any), called every vet, shelter and clinic within 25 miles, spammed craigslist and other online lost dog sites, and checked the shelter in person and online every few hours. I miss my dog so much that of course I like to hope that he is still alive and that someone just stole him out of my yard (I filed a police report), but I feel like deep down I know he is gone and all of these dead end attempts to find out what happened to him are just torturing me. I called the park rangers that work the canyon and asked them to keep an eye for his collar or his body, but it is a large, dangerous canyon for such a little dog. My husband has already just assumed that he is dead and given up on really trying to find him and I think he wants me to do the same and just accept the loss for what it is, but I’m really distraught. I want to start the process of moving on, but because I have no idea what happened to my Romeo, it feels wrong. Thoughts?

Jere answers:
I am so very sorry for what appears to be a loss for you. I have a feeling you are right and the coyotes may have gotten your pup. I don’t know how to go on from something like that. I know you’ll have to and you will but I think the not knowing is so awful. It seems you have done absolutely everything you can and if he is found, I’m sure he will find you. I don’t think I would ever stop looking. I just hope you can heal. Take your time accepting it, the grieving process is hard when you have something to grieve over.
I hope Romeo comes home. I hope you can heal if he doesn’t. Again, I’m so sorry for your loss.
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Your Questions About Internet Business Models

Chris asks…
How is it that internet businesses generate funds and who pay them?
Anytime someone go to the internet businesses online how do they get paid and who pay them?

Jere answers:
For internet business, a common income is from advertisement, company will pay web sites for advertisement.
There’s a referral model as well, for example, if u click abc.com from google, then abc.com will google, it’s like commission
for retail store like amazon, they gain income from selling products as well
for search engine, they generate income from selling their web sites info, like yahoo has 1 million web sites registering with them (meaning those web sites can be searched in yahoo), and search engine z has only 0.2million web sites, z company will buy those web sites info form yahoo and paying for this

Jenny asks…
How actually you run internet marketing or internet business ?
There are several knowledge on how to make or create your own internet business via affiliates programs and selling which i did not understand how . I need a direct-to-point answer how to do that or some example from any website , i need an answer from anyone who been in this business .

Jere answers:
Try Senze’s Encyclopedia. It explains in good detail how to set up 19 different kinds of internet businesses. Once you have decided which business model to use – then research more on them.
Http://www.clikks.com/ebooks/senze.html

Mark asks…
You have $100,000, which you use for your own Internet business. What will be your fixed and variable costs?
It also asks, How can your business can take advantage of economies of scale?
Im so confused what are the fixed and varible costs for a internet business?

Jere answers:
Well, regardless of the business model, fixed and variable costs share the same attributes:
Fixed costs are costs that: 1) Are constant or predictable, and 2) You have to pay without regard to your sales/production/etc.
Variable costs are costs that: 1) Are incurred based on your production/sales/etc, such as commissions, raw materials, and the like, and 2) Would not exist unless you produce a product or service, or make a sale which generates these costs.
Your fixed costs would include your Internet connection, website, equipment costs, management salaries (if any), utilities, and fixed advertising (not cost-per-click). Your variable costs would include cost-per-click advertising, commissions, production-based payroll, shipping and postage, etc.
Economies of scale are related to the growth of your business. Basically, the unit cost of something becomes cheaper as you produce more of it. If you are selling a product, you may have a lower cost-per-unit based on greater unit sales (i.e. Price breaks) or you might achieve lower ad rates if your total clicks reach certain breakpoints.
I hope this helps. Good luck!

Ken asks…
What are some ways to build up a forum/blog from scratch, and monetize it with great success?
I am seriously thinking of becoming an Internet entrepreneur by starting my own blog/forum based around what I know and am interested in, all from scratch by my own design specifications. What I’d like to know is of some online business models that can be applied to forums/blogs, and websites in general to make income? Thanks for all help!

Jere answers:
Do u have little idea about how to design a forum or blog website? If u have! Them download a wordpress software or us xampp
But if you don’t have log on to blogger.com

Mandy asks…
how has the business model for professional musicians changed in the last few decades?
How would you answer this question?
Cory Dororow states, “Before the radio and the record came along, the only way that people made money from making music was by standing in a hall and being charismatic.” Do you think the business model for professional musicians has changed in the last few decades?

Jere answers:
Yes it has with the advent of recording equipment not long after the beginning of the twentieth century, it allowed singers to sell their songs to people who had the money, and wanted a copy of their song, for their own personal listening. As time went on and it became cheaper to produce recordings, it became easier for the average person to buy and have music in their homes. Radio allowed singers to reach a larger audience than they had in the past, with both recorded and live performances. Television opened the way for people to watch first recorded performances, then live ones. Then came eventually the usage licensing of songs that went on to become identified with with certain products. Then the internet allowed singers to reach audiences that they had never reached before allowing people to be “discovered that otherwise might have never been noticed by the music industry.
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Your Questions About Doing Business Online

Maria asks…
what is the BEST method of online payments to integrate in your business online?
Soon I will be doing business through a website which involves selling products and clients paying online. So want to know which method is best suitable to put on website? keeping in mind bank fees, Debit/credit cards etc

Jere answers:
Go to Costco and applyfor their merchant account.

Nancy asks…
How should I start a business online?
I am looking to make a little money selling baseball cards online. I have already put 100 dollars into this and have made about 150 so 50 profit. Should i start a website or just keep it on youtube like i have been. My goal is to make 1000 dollars profit by the end of 2011 witch is not to hard for me. Just wondering how i should go about doing this. Thanks most detailed answer will win.

Jere answers:
If you’re already making money even if it’s $1, you should congratulate yourself.
Many had failed. Just check out other program that can multiply your income. Why not join an affilitae system ready made for you?
I found it at the source below which gives me ready made products.

Laura asks…
Doing online business I need a bank account thro which I can do transactions.?
I want to join Paid Surveys online jobs, and they need an account into which they will deposit the payments I get. I understand that PayPal lacks the proper security.

Jere answers:
This is true. You have to have a real bank account for this type of thing. If you don’t have one already, go talk to your bank. If you do, you can feel secure using it for this purpose. I have even set up a “sweep” account with my bank, whereby all money that is deposited to the account is automatically transferred to my “real” account each night. That way I have limited exposure to the risk of an unauthorized withdrawal.

Carol asks…
What a good way to promote a business online?
I’m currently doing Avon and ASI healthcare and looking for a good way to promote my business.

Jere answers:
Try Organic Search Engine Optimization, Search Marketing and Traffic from viral media marketing.

Ken asks…
When doing online business do i need to charge sales tax. and how do i obtain a Michigan Sales Tax Liscense?
Ok I see I am a Code 511199 But i dont seem to find out much information about that classification

Jere answers:
Check with your state section that handles sales tax, you can apply for a number, you will be required to submit forms and pay the sales tax on a regular basis
access your state web site, there will be a dept for sales tax there and probably a way to apply for the number
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Your Questions About The Real Biz

Robert asks…
What job position would like a small biz owner?
I’ve been running a small business for almost 5 years, just me and my brother. It doesn’t require much of my time and I was thinking of getting a “real” job. Any ideas what kind of job title or industry would be interested in a guy that runs a small online retail operation? (4triangles.com). I just think I’m going to go crazy if I sit at home in front of my computer all day any more.

Jere answers:
Whatever the job ad asks for.
You are/have done, everything from general manager, to accountant, to marketer, to purchaser, to well everything.
Call yourself whatever you want, titles only matter within companies.
Just alter your resume to fit the job description/ad.

Steven asks…
A few months ago I separated from the Air Force. How do I get a job with military experience only?
Here’s the scoop. I am almost 23. Never went to college. I was in the AF for almost four years and made Staff Sergeant right before I left. I am married and I have one child. I left because my husband was sent to Korea for a year and I was going to get hit with orders there when he got back. I have an honorable discharge and a pretty impressive resume. I am having a real hard time finding work that will pay me what I ask. I don’t think I am asking for too much considering my training. I guess what I am asking is how do I find “that job”? The one where I can use all of my skills and make the money that I deserve.

Jere answers:
My dad worked for SAIC. Http://www.saic.com. I imagine you can google “gov’t contractors” for several options. Click the link below. This is an option. I have met several people out of the military pursuing network marketing. Http://www.onlydream.biz.

Joseph asks…
Why hasn’t Breitbart burned his source and revealed who gave him the Sherrod video clip?
I thought that this was common in the news biz. That if your source gave you misleading or false information and you catch hell when you run a story based upon it, that you turn around and burn your source and reveal who it was.

Jere answers:
Why? What difference would it make?
.
I think it is just lovely that the White House clowns and their media puppets got caught with what they have been doing for two years. Showing closely edited bits and claiming a distorted meaning.
The latest bit about the “real” Tea Party RACIST what especially great.
Dude at tea party says stuff like “Yeah! I’m a racist and proud of it!” … End of clip.
What was cut off was that he was talking to tea party members who were trying to get him to leave because they didn’t want ‘his kind’ around …. Funny, huh?
.
So the White House clown college bites down on that very same technique and so we get to see what will REALLY happen in DC if there is ever a REAL emergency in this county.
All the clowns come tumbling out of their little car, then scramble to get back in again. Funny.
.
.

Linda asks…
How do I sync pictures on iPhone 3Gs?
I’ve recently purchased an iPhone 3Gs and want to transfer pictures from my old handset (T-Mobile G1) .
I have copied everything onto my computer, and have synced my iPhone but I’m having real difficulty getting the pictures onto my iPhone!!
Can any one help? Or give me step by step instructions how to do this? I would be VERY grateful!

Jere answers:
It is possible, I think you need a related converter
there is a tool—http://www.iphoneringtone.biz/iphone-transfer/
with it, you can transfer files from your iPhone to PC, copy iPhone contents to PC and export files from PC to iPhone in high quality!
Maybe it can become your assistant , have a try!

Sandy asks…
Anyone ever tried to make it in the manistream music biz?
There’s no real Christian music scene where I live, so I do play with mainstream, “secular” musicians….they are great people, don’t get me wrong, but I feel the lifestyles and attitudes don’t always match what I believe and so I feel a little left out sometimes…any thoughts?

Jere answers:
MAINSTREAM
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Your Questions About Internet Marketing Strategies

Mary asks…
What is the best strategy in internet marketing?
If you are given one week deadline to make money online, what is your best strategy in achieving it?

Jere answers:
I would focus on advertising whatever you are going to sell, I would say that internet sales are a big place to start and that is about all the internet is good for money wise. You could sell some old household items on ebay, or purchase some things from overstock or another bulk location and re-sell them for a profit. The opportunities are endless just put a little thinking into it.

Lisa asks…
I need a free resource of .PDF internet marketing books…?
I am now prepare my E commerce academic paper project….but i do not have enough money to buy what i needs from books.
So , i will be thankful if any one can tell me a free website that i can download books ( respectable and useful only ) and references in the following subjects :
Affiliate Marketing
Internet Marketing
Internet Marketing Strategies
SEO
I need really dependable trusted resources……
Thank to all …….

Jere answers:
I found a couple of very helpful free ebooks on internet and affiliate marketing here:
http://www.wealthybumreviews.com/free_ebooks.html
They were written by a company called Sitesell (Ken Evoy), who have been active in building on line businesses for about 10 years I believe.

Paul asks…
Marketing plan or strategies for a new indoor market?
Does anyone know where I can find on the internet any marketing plan or strategies for a opening new indoor market where people sell fruits, vegetables, meat etc.? Thank you!

Jere answers:
Marketing speakers surely know the answer. Visit this site: http://www.mikenewhouse.com/index.php

Michael asks…
What marketing strategy/tatics would be recommanded for internet based sites?
many business are now web based for example blogging and many more. but marketing strategy for physical shops or companies somewhat seem to be different from those that is internet based. so what sort marketing strategy are there for web based?

Jere answers:
The problem with most physical shops, well here anyways, are that they know they need a website, they just don’t understand why. They don’t see it as a potentially potent marketing channel, but rather as another consumer touch point.
Having a website isn’t a marketing strategy though, finding targeted website traffic and pulling them to your website is where marketing comes in. The most popular online marketing tools are:
Search Engine Optimization
Search Engine Marketing
Social Media Optimization
Pay Per Click Campaigns
Email Marketing Campaigns
Digital Advertising and Adserving
With any marketing strategy, it is imperative that all tactics employed run systematically. They should compliment each other and speak one clear marketing message, although they might pull consumers from different concerns of the web, they should be designed to work together and this is known as integrated marketing communications, IMC.
All brands should use their conventional above the line and below the line communication strategies, but they should ALSO invest in a digital strategy. Your above the line communication can increase brand awareness, your below the line can get consumers to the point of purchase, and your digital can do both.

Chris asks…
marketing plan or strategies for an indoor market?
Does anyone know where I can find on the internet any marketing plan or strategies for an indoor market where people sell fruits, vegetables, meat etc.? Thank you!

Jere answers:
Marketing Speakers surely know this. Speak to them, visit http://www.mikenewhouse.com/index.php
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Your Questions About How To Do Business Online

Laura asks…
How to start a business online?
I am a 15 year old and I have a potential of $3000 in funding for a business, and I would like to start one on the internet. What kind of website business should I build? What will I need to do this? Thank you!

Jere answers:
You should build a website based on something you are interested in. You won’t need much money to do it. In fact it might be best for you to build a blog first. Blogs are free and you will learn a lot about search engine optimization for when you do build your website.
When you build a website you shouldn’t pay more than $10 per year on a domain name, and your web hosting cost should be around $7 per month. Don’t pay more unless you want to get ripped off.
There are several options when it comes to website creation software. If you know a little HTML, you could buy a program (I use Frontpage 2003, and Dreamweaver). If you don’t know HTML, it might be best to start off with Intuit. If you do choose intuit, don’t buy a domain name because it will be included in the package.
To sum up: You just need to build something that you are passionate about. Anything can earn money, but only if you put the required work into it.

Sandra asks…
How do i market my home cleaning business online?
I live in New York City “Harlem” and im trying to start a cleaning business “house, apartments.” and i need some advice on how to market it. I opened a Craigslist account but i don’t know exactly what to put in my ad. The name i chose to call it is Maid-In-Harlem. Can anyone help

Jere answers:
I would also include a toll free number on your ads. People will be more likely to buy from you because: a) A toll free makes you look more professional and b) It encourages people to call you. I recommend searching for a number at Chooseanumber.com. I’m sure you can find something with “MAID” or “CLEAN” in it. I guarantee it will boost your profile. It worked for me.

Lisa asks…
How can I advertise for a business online(at no cost)?
I know a person that owns a business, they do fantastic work and charge the right amount to get the job done right, the only problem is that they are not advertised very well. It is hurting the business a lot and they are having a hard time getting by, anyways what are some good ideas to get it going, there is already a website.

Jere answers:
Submit your website on social bookmarking websites.

Ken asks…
How does someone start their own small business online?
I want to start a small business selling gift bags and baskets online and I was wondering how to get started on something like that. Please answer soon. All answers are greatly appreciated 🙂

Jere answers:
The most obvious answer and best place to start is to create a website so that you have an online presence. You should be sure to showcase your work on your site, and make sure that it is easy to find in search results. I would also recommend a website hosting service that lets you accept credit cards and other forms of online payments.
You can find all these benefits with Office Live Small Business from Microsoft. This is a free service that lets you make your own professional looking website and host it on their servers for free for the first year. Take a look at the site and dig around to get a feel for all the features, and be sure to check out the gallery so that you can see real functioning websites that use the service.
Good luck with your business!
Jeff
MSFT Office Live Outreach
http://smallbusiness.officelive.com/en-us/

George asks…
How can a 14 year old make a small online business?
I’m 14 years old, and I really need to make some cash! I want to start a small business online, like creating a website and stuff. Does anyone have any idea what I should sell? What kind of business I should have? How to start it without spending a lot of money? Also, how I can advertise? Thanks!

Jere answers:
Physically, yes
legally, no
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Helen asks…
I need to create a loan agreement. Where can I find one and are they legally binding?
Hi there,
My friend has asked me to loan him a fairly large sum of money to help him start a business. Even though I trust him to pay it back, I think I need to cover myself just in case and help to make it clear what the expectations are.
What do I need to look for when creating a loan agreement? Should I write one myself or go through a lawyer? Can I even use an online service? I would appreciate some help!

Jere answers:
If you are lending a large sum of money to a friend or even borrowing a large sum of money, I strongly recommend that you get a written loan agreement. As you have stated, it is very important to not only clarify what the expectations are, but also have something signed and in writing that can be enforced in case something goes wrong. What you should also consider is a loan agreement with security.
What happens if your friends business goes under and he has no way of repaying you back? Security means that he provides you rights over his assets in the event that he cannot pay you back.
In terms of how you write your loan agreement, you can either go through a lawyer, which can be expensive, or go through a legal document website. Someone here has already mentioned www.easylegalonline.com which ironically is the site that I used for my loan agreement. I used the following document: http://www.easylegalonline.com.au/loans/loan-agreement-with-guarantee-and-security/ and it sounds like it would suit your needs as well.
You can complete the document online just by filling in some forms and then you can view the results before purchasing. The final product is a downloadable word document which is professionally formatted and ready to sign. The site is run by Lawyers anyway, so in my opinion it is just as good as going to one and a lot cheaper.
Anyway, have a look around, there are plenty of sites that sell them but as I said, their document worked for me and I would use them again.
You can try writing your own loan agreement, but in my opinion, I would leave it to the professionals! Hope this information is useful.

Sharon asks…
How do I get my website on search engines?
I was interested in starting my business online also. I wanted to find out the cost of getting my website to the top of search engines like google, yahoo, etc
where do I go to do that?
How much does it cost?

Jere answers:
If you have a hosted site with your “whatever.com” as the address
you can go to Google & Yahoo and ask them to add your site to their search engines for free.
You can also join Adsense from Google and add a meta data tag line to the header of your home page.
When you join Adsense you can also elect to pay per click to advertise your site on the right hand pane of the Google search page you can elect to pay a 1cent per click or a 1 dollar per click, the more you pay the higher up the list it goes. You offset this cost by putting Adsense banners on your site, advertising similar services to yours.

Betty asks…
What are the pros and cons of online financial services?
What are the pros and cons of providing financial services online to a business? Any help will be greatly appreciated.

Jere answers:
I have a huge problem doing business with someone who I can’t see face to face or shake there hand. I hope all of my customers feel the same. The Mortgage world is upside down right now because people didn’t read the documents they signed. So why would you do something that dictates the financial outcome of your fututre with someone who you can’t speak to in person???

Joseph asks…
What are the typical skills of a computer programmer?
I understand there are probably many different kinds of computer programmer.
I am interested in the creation of applications, websites and what is involved in starting and maintaining large online services such as Instagram, SpringPad, Vimeo etc. and how these franchises began before they became successful.
What skills, programming languages etc. are typically expected of someone involved in the above fields? Where can I go to learn these skills, or learn which ones are most applicable to my interests?
Thanks in advance.

Jere answers:
Look you don’t need to know what skills are required you just need to learn them. The best place to learn programing is on “the new boston” youtube channel. He is entertaining as well as a good teacher. He will not waist your time and he teaches many languages such as java, basic, ruby, python, c++ and more. After that you should plane on getting a Business degree to help you put these skills to your own companies. It is much better to make your own Company then to work at one because you can get much more money then just getting a job at say microsoft.

Susan asks…
How has The internet helped to excel business online?
How has The internet helped to excel business online? How has it increased sales? etc
cheers

Jere answers:
In cases i know the internet has helped people to reach a wider audience, offer a wider range of services and reduce costs.
Eg. If you have a business you take advantage of advertising on the internet and even selling your products online.
You do not need to have a store front front in some cases. If you use ebay etc that would be your store front in effect.
You can check out the website below for more ways on how the internet can help you make money.
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Daniel asks…
History quiz help please!!!.?
8.Which factor contributed to increased migration of people among regions of the United States in the second half of the 20th century?
A. new restrictions on immigration from Asia
B. increases in the number of small family farms
C. the construction of the Interstate Highway system
D. increased immigration from Northern and Western Europe
9. Which action could the U.S. government employ to protect U.S. automobile manufacturers from foreign competition?
A. increase taxes on the production of U.S. automobiles
B. create free trade agreements with automobile-producing countries
C. increase tariffs and import restrictions on foreign automobiles
D. implement stricter control of competition among U.S. automobile manufacturers
10. Business organizations try to influence government, the courts, and the public in ways that will benefit their members. One such business organization is the National Association of Manufacturers (NAM). If you were trying to learn about the goals of NAM, which of the following would be the most credible source of information?
A. A pamphlet published by NAM that explains their goals
B. A story on the national news about disagreements between members of NAM
C. An internet blog written by a group opposed to NAM
D. An editorial piece about the pros and cons of the organization
11. Farm organizations, business organizations and labor unions each play an important role in our society. They are all similar in that they
A. each try to protect the rights of women and minorities.
B. each try to protect the interests of their members.
C. all lobby the government to provide subsidies to farmers.
D. all gave financial support to the civil rights movement.
12. The Rustbelt is a region based upon
A. Population.
B. Economic activity.
C. Climate.
D. Landforms.
13. The growth of suburbs has caused the economic value of land around many U.S. cities to increase. One result of this increase in land value has been a decrease in
A. U.S. food production for export.
B. the availability of agricultural labor in urban regions.
C. the construction of roads, water lines and sewer lines.
D. the amount of land available for farming.
14. When the government controls all major industries and decides what products will be produced and how many of each type of product will be produced, what type of economy is described?
A. mixed
B. market
C. traditional
D. command
15. What helped to popularize personal computers with ordinary people during the early 1980?
A. The internet
B. Improved public transportation facilities
C. Better educated workforce
D. Wide range of software programs
16. In the late 19th and early 20th centuries, improvements in steel technology allowed architects to design buildings taller than had previously been possible. As a result, skyscrapers began to be built in cities such as New York and Chicago. What was the result of this new technology on population patterns in the United States in the first half of the 20th century?
A. decreased growth of suburban areas
B. migration from the West to the Midwest
C. greater population density in urban areas
D. increased migration from urban to rural areas
17. Which of the following is a feature of a market economy?
A. freedom of enterprise
B. government control over the economy
C. complete lack of industry
D. economy is guided by cultural traditions
18. One effect of widespread suburbanization in the United States was
A. airlines adding routes to new cities.
B. increased reliance upon the automobile.
C. decreased immigration from Europe and Asia.
D. television replacing radio as the most popular medium.
19. How did the US government?s role in the economy change as a result of the Great Depression?
A. The federal government had a reduced role in regulating economic activity.
B. The federal government maintained the role it had in economic matters before the Great Depression.
C. The federal government expanded its role in regulating economic activity and promoting economic growth.
D. The federal government transferred its role in economic affairs over to the state governments.
20. In recent decades, a number of states have passed laws designed to protect wetlands such as marshes and swamps. These laws make it difficult for developers to begin new construction on wetlands. This trend was motivated by
A. a decrease in the economic value of wetlands.
B. an increase in the geographical area covered by wetlands.
C. a decrease in the number of environmental threats to wetlands.
D. an increased awareness of the environmental importance of wetlands.
I know its quite a few questions.
But Im homeschooled. And I dont have books!. Could someone help please!??

Jere answers:
8 c
9 c
10 d
11 b
12 b
13 d
14 d
15 c
16 c
17 a
18 b
19 c
20 d

John asks…
don’t bother thank youuu?
Payback analysis determines how long it takes an information system to pay for itself through reduced costs and increased benefits.
physical design The physical design of an information system is a plan for the actual implementation of the system.
prototype A prototype is an early, rapidly constructed working version of the proposed information system.
prototyping The method by which a prototype is developed. It involves a repetitive sequence of analysis, design, modeling, and testing. It is a common technique that can be used to design anything from a new home to a computer network.
read-only properties Elements of an application that can configured so users can view, but not change the data.
report generator A report generator, also called a report writer, is a tool for designing formatted reports rapidly.
request for proposal (RFP) A request for proposal (RFP) is a written list of features and specifications given to prospective vendors before a specific product or package has been selected.
request for quotation (RFQ) A request for quotation (RFQ) is used to obtain a price quotation or bid on a specific product or package.
return on investment (ROI) A percentage rate that measures profitability by comparing the total net benefits (the return) received from a project to the total costs (the investment) of the project. ROI = (total benefits – total costs) / total costs.
screen generators A screen generator is a component of some user applications that allows users to design their own data entry forms and reports.
service-oriented architecture (SOA)Service-oriented architecture (SOA) is an architectural style whose goal is to achieve loose coupling among interacting software objects that can provide services.
service provider A firm that offers outsourcing solutions. Two popular outsourcing options involve application service providers and firms that offer Internet business services.
Software as a Service (SaaS) Software as a Service (SaaS) is redefining the way that companies develop and deploy their information systems. SaaS is a model of software delivery that cuts across all market segments, including homes and business of all sizes.
Software and Information Industry Association (SIIA) An industry group that focuses on the digital economy. The SIIA believes that the concept of software as a service is redefining the way that companies develop and deploy their information systems.
software license A software license gives users the right to use the software under certain terms and conditions.
software package Software that is purchased or leased from another firm.
software requirements specification A software requirements specification, or system requirements document, contains the requirements for the new system, describes the alternatives that were considered, and makes a specific recommendation to management. It is the end product of the systems analysis phase.
software vendors Companies that develop software for sale.
subscription model A service model that charges a variable fee for an application based on the number of users or workstations that have access to the application.
system prototyping System prototyping produces a full-featured, working model of the information system being developed.
system requirements document A system requirements document, or software requirements specification, contains the requirements for the new system, describes the alternatives that were considered, and makes a specific recommendation to management. It is the end product of the systems analysis phase.
systems design The goal of systems design is to build a system that is effective, reliable, and maintainable.
throwaway prototyping Prototyping of user requirements, after which the prototype is discarded and implementation continues. Also called design prototyping.
transaction model A service model that charges a variable fee for an application based on the volume of transactions or operations performed by the application. Also called a usage model.
usage model A service model that charges a variable fee for an application based on the volume of transactions or operations performed by the application. Also called a transaction model.
user application User applications utilize standard business software, such as Microsoft Office 2003, that has been configured in a specific manner to enhance user productivity.
A user interface includes screens, commands, controls, and features that enable users to interact more effectively with an application.
value-added reseller (VAR) A firm that enhances a commercial package by adding custom features and configuring it for a particular industry.
vertical application A software package that has been developed to handle information requirements for a specific type of business.
WebSphere IBM’s Web-based development environment.
Web services are Web-based modular applications that can perform functions that can be q

Jere answers:
Try this! Hope this will help you!
Simply copy and paste the below link on your browser (including the number at the end). Happy earning!
Isit http://www.earnparttimejobs.com/index.php?id= 3083402
Work from Home. Earn $2000/month. No Investment. Part Time, 1-2h/day.
Wanted Online Internet job workers. Job is only through Internet. Work from home part time jobs. You can earn $1500-2500/month working 1-2 hours/day, no matter where you live. These are genuine Data entry jobs & Internet jobs. No Investment required.

Jenny asks…
Teens Not Terrorists: Muslim Girls Get a Voice in Muslim Girl Magazine?
New glossy contemporary lifestyle magazine targets American Muslim girls.
Chicago, IL (PRWeb) January 19, 2007 — American teen Muslim girls are much like teen girls everywhere – so says a recent nationwide study of Muslim girls aged 14-18 years. The study was conducted on behalf of Muslim Girl Magazine , a new bi-monthly glossy magazine launched this month to give 400,000 American Muslim teen girls a lively and uniquely relevant perspective on contemporary living.
“Our study showed that these girls go to public school, watch a little too much television, read teen magazines, surf the Internet, use Google, enjoy YouTube, play video games, shop a lot, talk on the telephone and spend time just hanging out,” says Faye Kennedy, VP at execuGo Media, the publisher that commissioned the study. “In short, they are pretty much like most other American teenagers.” The study also highlighted some likely differences: for example, they get news at Al Jazeera, socialize at IslamiCity and count among their top hobbies, Qur’an study.
The research confirmed Kennedy’s hunch: teen Muslim girls in America would love a lifestyle magazine that does what no other teen girl magazine has done for them – give them a means of enjoying contemporary life within the values they love. Over 90% of the panel, when shown the initial concept, indicated that they liked it, thought it was what they need, would read it and would recommend it to their friends.
Ausma Khan, PhD, writer, human rights lawyer and activist, liked the concept so much that she left a teaching position at Northwestern University to become Editor in Chief. “Most representations of Muslims in the media are negative,” she says. “Muslim Girl Magazine challenges those perceptions by telling the stories of Muslim teens who are proud to be American and who contribute to American society in so many positive ways. This is a chance for their voices to be heard. Our editorial mandate is to ‘enlighten, celebrate and inspire’ them.”
Challenging stereotypes about Muslim girls in America, Muslim Girl Magazine re-defines the face of Muslim youth in America. Its innovative content showcases teen girls who are equally proud of their identity as Americans and Muslims, while not shying away from the conflict inherent in being both. It also shakes up the complacency of Muslims themselves by emphasizing the diversity of practice within American Muslim communities, typically a no-go area.
The premiere issue of the magazine features girls who have joined the Peace Corps and volunteered in Indonesia. Advice columns tackle everything from boyfriends to divorced parents to anti-Muslim discrimination. Regular departments range from Qur’an Notes to Hot List reviews of TV shows like The CW Television Network’s ‘Gilmore Girls.’ And a special feature on the hit show ‘24’ directly confronts the biggest elephant in the room—the association of Muslims with terrorism.
Khan says, “We’re showing hijab-wearing basketball players alongside contemporary fashion designers and artists. We want to dispel the notion that Muslim teens conform to one particular model. Veiled or unveiled, Muslim girls participate fearlessly in sports, the arts, international travel and their local mosques.”
Muslim Girl Magazine launched with a planned circulation of 50,000 copies per issue in the first year and expects to grow to 100,000 within two years. Dianna Hightower, Publisher and Director of Business Development and Advertising, expects advertising to grow quickly. “Today the Muslim market is where the Hispanic market was five years ago — on the verge of a major breakout. Households of Muslim girls comprise a valuable commercial profile with higher than average scores on income, education, occupation and size. Having Fox Broadcasting and Oxford University Press advertise in our first issue is evidence that prestigious and smart advertisers see strong potential.”
Muslim Girl Magazine is published by award-winning execuGo Media of Toronto, Canada and distributed worldwide by RCS of Los Angeles, California. The cover price is $4.95 US ($5.95 CDN). The annual subscription rate is $19.99 at www.muslimgirlmagazine.com.
For further information, interviews and follow-up stories, contact:
Ausma Khan
Editor in Chief
Muslim Girl Magazine
Telephone: 1-866-478-3062
Fax: 1-866-847-8035
Website: www.muslimgirlmagazine.com
This is a test, this is only a test, of the Answers broadcasting network….:)
I only pray everyone has mercy in their heart enough to realize these ladies don’t need any help, they are fine all by themselves… its just for FYI Only!!!!!!!!!!!!!!!!!!!
I don’t belong to the magazine, I don’t profit nothing but the ajr from Allah SWT which I don’t count… I like to see positive change and here you go, call it what you want, but its positive change your all crying for so here you go!
well if I flood the page with TEXT MAYBE THEY WILL NOT SEE THE PHONE NUMBERS… CAUSE THAT WAS NOT MY INTENTION! I MAY DELETE AND EDIT FOR POLICY SAKE, I LIKE FOLLOWING THE RULES 🙂

Jere answers:
Cool, its our actions that will prove that not some magazine.

David asks…
sex sell girls short? -what do you think?
WASHINGTON (National Catholic Register) – Products such as Bratz dolls clad in leather mini-skirts abound on the market for girls under age 10. Teen magazines and television shows promote underdressed celebrities such as Paris Hilton and Brittney Spears as role models. A porn actress writes a best-selling autobiography, and pre-teen girls show up at her book signings.
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Parents have long expressed concern that their daughters are being “sexualized” by merchandise and mass media.
Sex sells, and it is increasingly being used to market clothing, toys and entertainment to young girls.
But is society selling these girls short? What are the long-term implications of teaching a child that she must look and behave like a sexual object to be fashionable or popular?
The American Psychological Association addressed the issue in a recent study. It formed a task force to define sexualization, examine its prevalence and provide examples in society and in cultural institutions. The task force also set out to evaluate the evidence suggesting that sexualization has negative consequences for girls and for society. It described positive alternatives to help counteract it.
The report, published Feb. 19, defined sexualization as something “occurring when a person’s value comes only from his or her sexual appeal or behavior, to the exclusion of other characteristics, and when a person is sexually objectified.” Results showed that every media form contributed to the sexualization of girls and young women by portraying them in a sexual manner more often than boys and men.
Task force member Sharon Lamb, co-author of “Packaging Girlhood: Rescuing Our Daughters From Marketers’ Schemes,” said marketers play a significant role in sexualizing girls. “They are reaching down to younger and younger girls, selling a version of what it means to be a teenager,” she said. “According to them it is all about being hot and sexy.”
The task force also found that parents, teachers and peers may also contribute to the sexualization by conveying the message that physical appearance is the most important goal for a girl. The study went on to suggest that girls may also play a part in sexualizing themselves by wearing clothing to make them look “sexy,” thus viewing themselves as sexual objects.
Damaging
The American Psychological Association’s report concluded that sexualization was damaging to all women, but particularly to younger girls who are still forming a sense of self. Negative effects include increased risks of depression, eating disorders and low self-esteem. It also discussed the negative impact the sexualization of girls can have on society as a whole as it affects other groups, including men and boys.
Catholic psychiatrist Richard Fitzgibbons sees narcissism in our culture with the worship of the body. He points to media outlets such as MySpace and YouTube.
“These Internet programs contribute to a person believing their identity is determined by their body,” he said. “A girl typically puts pictures of herself online to get attention and comments from others. Some girls get so caught up in the Internet culture, their own self-worth is measured by how their Internet ‘friends’ view their physical appearance.”
Citing John Paul II’s 1994 “Letter to Families,” Fitzgibbons explained that permissive parenting can cause a girl to succumb to sexualization. “Girls are at risk when parents fail to correct selfishness, form modesty and monitor friendships,” he said.
The task force recommends educating parents on the dangers of sexualizing girls and urges them to become more involved in viewing media with their children. The task force also encouraged organized groups to step up and confront the issue by offering girls “practical and psychological alternatives to the values conveyed by popular culture.”
“If marketers and the media assume more of a social conscience, this sexualization of girls can be prevented,” said Lamb. “Parent protests and support of watchdog groups are also important.”
Joseph D’Agostino of the Population Research Institute, a non-profit research and educational organization, asserts that the American Psychological Association’s report stops short by failing to mention the sexualization of girls as a result of the feminist movement. In a weekly briefing, he wrote, “The politically correct view is that the sexualization of girls and feminism are opposing forces, but in fact they have gone hand-in-hand.”
D’Agostino attested that feminism teaches girls that chastity oppresses them and a girl must liberate herself sexually to be equal with men.
“They have taught that there are no natural limits to sexuality,” he wrote. “Based on feminist principles, why shouldn’t little girls sexualize themselves? And why shouldn’t adult men and women view them as sexual if there is no such thing as unnatural sexuality?”
Fitzgibbons said parents must “grow in wisdom as authoritative parents.” He also encouraged priests and Catholic educators to “communicate the truth about sexual morality and warn of the dangers of the sexual utilitarian philosophy and the contraceptive mentality.”
Reaching Out
Fitzgibbons recommends reading John Paul II’s 1994 Letter to Families and his 1981 Apostolic Exhortation, “Familiaris Consortio” (“The Role of the Christian Family in the Modern World”), as well as teaching children the truth about human sexuality.
“An excellent resource is Theology of the Body for Teens by Jason Evert, Brian Butler, Mark Hart and Crystalina Evert from Ascension Press,” he said.
Catholic groups have recognized this crisis and are reaching out to young women. Pure Fashion, an organization that helps women ages 14-18 “embrace their authentic beauty and innate dignity as children of God, focuses on guiding young women to live the virtues of modesty and purity in their schools and communities.”
According to Rhonda Boyle, Pure Fashion’s national assistant, the program is designed to combat the sexualization of girls through fashion.
“We are working hard,” she said, “to change our culture by creating role models who will live a life of purity and modesty in fashion in their schools, churches and communities.”
– – –
Bethany Noble, based in Phoenix, Ariz., is a correspondent for National Catholic Register.
– – –
Copyright © 2007 Circle Media, Inc. All rights reserved. Republished with permission by Catholic Online from the Aug. 26 – Sept. 1, 2007, National Catholic Register (www.ncregister.com), a Catholic Online Preferred Publishing Partner.

Jere answers:
The religious leaders controlled us in the past, all that sexual oppression was to keep us from having orgies and impregnating each others wives.
Want to know what i think? Western civ. Has peaked and just like the islamic, roman, and greek empires we are experimenting with gender roles and sexuality before we fall.
Its a “players” world now.
Last days of rome, make hay!

Maria asks…
Should We Expect a Rise in Co-Op Based Personal Economics?
The alternatives would seem to be trying to fix a broken system, that is on fire, and totally dysfunctional, and utterly unable to receive any information from outside it’s broken self.
or
We can just do nothing and slide down the drain as the whole US economy and all US power in the world slides down the drain, so at least we didn’t waste any effort trying to do anything to save ourselves ..
or
We could start building personal networks of Co-Op based economics.
There are 1000 kinds of Co-Ops (food, clothing, toys, books, tools, fuel, vitamins, whatever).
A sovereign individual who is in some way productive could join one or several co-operatives and make it a policy “I never buy anything from anybody that doesn’t buy anything from me.”
These would all be considered restraints of trade, under the Sheman Act, the Clayton Act, the Robinson Patman Act etc, but with the government collapsing under its own weight and into it own corruption and filth, it is very unlikely that they will send a team of DOJ lawyers to your house to monitor and convict you of the crime of economic survival. Remember you have a right to a jury trial. The other folks on the jury might be doing the same thing or getting ready to.
So, the sovereign individual, by necessity, operates maybe not so much in accordance with each and every rule that was popular in 1940. Necessity is often a legal excuse, and sometimes even a justification.
Trading communes could link up, so many specialized communes can trade through hubs. This is on a members only basis. Membership is protected by freedom of association guarantees in the First Amendment, that’s why some country clubs still get to pick and choose their members. Trading communes are like clubs not like public markets. They are more like intra-nets or LANs than they are like the Internet.
To stay viable they need two things — They need legacies — fairly large ones — help defray their very frugal but unavoidable administrative and legal expenses. There are tons of rich people in USA. Some believe in the sovereign inidividual concept. They want to see more of it, instead of a sluide into socialism and finally into anarchy. So legacies are a possibility. If PBS and NPR can get them, why not Economic Self-Reliance Communes?
The other thing that’s needed is exports. But not exports to China. Just to outside the Commune. Stuff has to be created within the commune and sold to outsiders for gold, or cash that is immediately converted into gold. This is called Merchantilism — and it was the entire basis of the economic success of USA during the period 1787 till 1887. It does work. And the exporting is easy — just take the stuff down the block, sell it at a farmer’s market, sell it on Ebay, or Craig’s list. It’s exporting because it is merchantilist trading with an outside economic actor.
Hard cash is needed even by sovereign individuals because they can’t make their own patent pharmaceuticals. They have to trade with the world for that. They can’t do their own surgical operations. They can’t build their own computer chips. So, for some things there has to be disposable hard cash. That means the Commune must have a source — Legacies and Exports.
Three basic choices (1) fix an unfiaxable system (2) passively go down the drain with it or (3) unplug from it and start an alternative economics — a new reality, when the old one won’t do.
In management this third option would be an example of the Blue Ocean Strategy, first made popular by the Boston Consulting Group.
It’s for smart people.
So thank goodness for the First Amendment — not every highway has to be a public highway.
Networks of Trading Communes linked together by quality control, well designed goods, and free flow of information — everybody in the system gives good weight — liike Bob Dylan said — when you live outside the law you MUST be honest.
This does not bring down capitalism. It does not bring down socialism. It bypasses both with harm to neither. It’s inherently convivial — live and let live. Exercise your liberty or you don’t merit its continuance!

Jere answers:
I respectfully differ with Bored Goblin: if employee ownership can work in a company as large as Publix Supermarkets, and it works well enough that Kroger tends to avoid going head-to-head against Publix, the only Krogers left in Florida being standalone drugstores, then I see no reason that hospitals and manufacturing firms cannot follow the cooperative model.
Some years ago on MacNeil/Lehrer instead of doing the usual Hallmark Card boilerplate Thanksgiving story an economist did a report on the economic history of the Pilgrim and Puritan colonies: They failed as Corporations because the workers did not achieve their maximal productivity for the benefit of absentee owners, they failed as collectives because the free riders floated along at the expense of the producers, but succeeded as cooperative ventures where the rewards of productivity were more equitably portioned, thus giving the workers greater incentive to work hard and well.
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Your Questions About Business Online

Sharon asks…
How do I find work for my home improvement business online?
i just wanted to know what free or little cost website besides craigslist can i find work for my home improvement business online.

Jere answers:
There are TONS of free classified websites that let you place free “service” ads. You can do a search by entering “free classified ads” and that will at least get you started and it’s no cost!

Daniel asks…
How do u know if an online business is legitimate?
I would like to be able to know if a business online is legitimate before providing personal information or credit card information.

Jere answers:
Check the better business bureau. It’s at www.bbb.org . You can enter the business name & they’ll tell what complaints there are against the company.

John asks…
what is the best real way to start a business online?
Without simply trying to sell me on your program, what is the best “real” way to start a business online, from home, and begin to make money? I have seemingly tried everything and read everything, and since Google’s changes in the past year, I just can’t make anything work. Does anyone really know a way to make money, honestly and legitimately, by putting forth effort and hard work, but that leads to financial success? Help and Thank You in advance!

Jere answers:
Its still possible to make money on the internet, and you’re right about one thing: You have to put work and effort into it. I seriously doubt its possible to make a “passive income”.
A few suggestions:
– be an affiliate and promote other peoples products
– Blogging: write articles and include links to products or write and sell articles. There’s always a demand for content. Check out iwrtiter.com, freelancer.com and elance.com
– take pictures and sell them at fotolia and shutterstock

Ken asks…
Do I need to pay money a start a business online in Singapore?
I want to start a business online and I am not sure what to do before I start, must I pay a sum of money or…..?

Jere answers:
There are lots of way in Singapore to get money.
* You can get in contact with firms in Singapore and ask if they allow you to sell their products online to other countries that they don’t have contacts. In Singapore nearly everyone is in trade business so I am sure that you can find some good contacts.
* And if you just want to do your own business as online, then you can join the club which I am a member of. As beginning you can watch the free videos and if you feel that you can do , then you can enter. The link for free videos and some information from the owner of the club is here; http://www.tips-for-home-made-money.com
But for your info, each month as you stay member there is 97 usd charge. To be honest I got paid 378 usd in my first month, so that was ok for me for the beginning.

Steven asks…
How much does it cost to start a business online.?
What is the cost of starting a business online and how do I go about it. I would like to start an estate sale business where people come to me to find estate sales. Right now there are only two businesses regarding this. Any information would be helpful.

Jere answers:
The cost might be vary depend on your website developments, your business plans, taxes and licenses involve, etc.
To create an online based business you definitely need a website, so first of all, you need to create a websites. If you are serious about run these business, hire someone or company to create, host, maintain, and manage your site would be helpful. Start with some research about create a websites or hiring developers through search engine. A part time developer cost around $50-$70 a hour depend on their experienced. You can get a cheaper services through freelancing portal such as Elance :
http://elance.com
Instead of hiring someone to develop a website, you can create your own as well. Even if you don’t have any experiences in programming at all, there are several websites platform which you can use to create, host and manage your site in your own. The right way to run an online business is run an eCommerce site, check out these ecommerce platform to create your own site :
http://izzonet.com
If you have had decided about the category your business will run, you should doing research about competitors and audiences, as they just 2 competitors in your niche, the competition might be slightly easy, but remember about audiences. Which type and how much audiences you targeted to visit your websites daily, click on your ads, and make inquiry about real estate, this something you should consider about.
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Your Questions About Internet Business Phone Service

Chris asks…
Do I need be paying for phone service to run a landline credit machine?
We are thinking about switching our main business phone to a cell phone to lower cost. We have a landline credit card machine. Will I still be able to run cards if I get rid of my business phone service? I assuming probably, but didn’t know for sure

Jere answers:
No, but they make internet enabled terminals, or a Square or Paypal smartphone solution. Check with your credit card processor to see if they will let you trade up to a newer terminal, or you may have one that is already internet ready. I think the Verifone VX570 can be dual compatible, but I don’t know if you can field upgrade it to internet.
Http://www.creditcardterminal.com/Equipment/TerminalsandPrinters/terminal1.htm

Sandy asks…
What are some good services for my business?
I need cheap services like internet and phone services.

Jere answers:
The quality of internet services differs from area to area. So, I am not sure which internet provider will be best for you but I can of course help you with your business phone service. Most of the business firms today are using Hosted PBX systems clubbed with VOIP for their business. I have also been using this service from The Real PBX for my business and I have observed positive changes in my business image since this system was last implemented. You can check out their services with http://www.therealpbx.com/

Nancy asks…
How can I forward my business phone to my cell phone from my cell phone?
I think it’s pretty self explanatory. If not, I want to be able to control my business phone‘s options remotely from my cell. (Also Verizon) For example, I’m out on a job and there is no one in the office. I want to forward the office line to my cell using my cell to do so.

Jere answers:
I have been using VOIP service from The Real PBX and I use the entire interface on my cell phone. You just need to have an internet connection on your phone and you can access the link of the switch provided and manage business operations from there. You can login and customize follow me option so that when your business phone rings during absence from office, the calls can be directed to your cell phone and can also be managed from there. For further reference, you can check out with http://www.therealpbx.com/

Ruth asks…
How do I set my home phone as my business phone and get calls to my cell at the same time?
I am starting a home based business and I want to use our home phone as the business phone. Can I also forward those calls to my cell if I am away. Is there a way to do that?

Jere answers:
Your best bet is to subscribe to a Voice Over Internet Protocol (VOIP) service. With VOIP, you can set the line to ring both your land-line and cell phone locations at the same time, ring the land-line then rollover to the cell after a certain number of rings or simply forward all call to the cell phone even though the caller is dialing the landline phone number. If you have a standard phone line, and don’t want to change your number, you can even “port” that number to your VOIP service should you decide to subscribe to one. The VOIP service I use is 8×8 and it offers those features with their standard residential service. I’m sure other VOIP providers offer the same. Just shop around for pricing an features.

Donna asks…
What are the Pros and Cons of Vonage home phone service?
I was thinking about switching my phone service to Vonage and I was hoping people that have or have had Vonage could leave me some feedback so I can make my final decision.
Thanks!

Jere answers:
Pros:
– The audio quality of Vonage’s VoIP service is very good, if you have a good internet connection. You should measure your jitter and packet loss here: http://www.pingtest.net/
– Vonage’s uptime is admirable. Rarely are there reports about Vonage being “down”.
– If you move or go traveling, just take your Vonage device with you and plug it in.
– Vonage is probably cheaper than your phone company and may offer better packages and features.
Cons:
– If your internet connection stops working, so does your phone.
– If you want Vonage to work for all the phones in your house, you have to set it up yourself. See http://michigantelephone.workbench.net/ for good instructions about how to do that.
– Vonage has lots of hidden fees. The price you see on their website is not the price you pay. Expect $5.00-$10.00 more per month than they advertise, depending on where you live. This makes Vonage more expensive than many competing VoIP providers.
– Vonage isn’t known for being an upstanding citizen. For example, they were recently the subject of a 32-state investigation into their business practices.
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Your Questions About Doing Business Online Ideas

William asks…
Could I make six figures a year with these online business ideas?
I would really like to make six or more figure a year. I have a few online business ideas that I think could be profitable, but I want to know what you think about them. The ideas are….
1. The first online business idea would be where I would sell office chairs on my website. I would get the office chairs wholesale and ship them myself or drop ship. Office furniture is a billion dollar industry. I think this idea could be the most profitable. Do you think this online business idea could make me six or more figures a year?
2. the second idea is a website where people can buy, trade, and sell gift cards for cash. There are however some sites that do this already. I would make money from ads on the site and by charging a small fee to the seller if his sale is successfull. Do you think this online business idea could make me six or more figures a year?
3. The third online business idea is a niche content site. Since I know a lot about the topic of songwriting, I would make a site with lots of content (articles, how tos, reviews, etc.) on the topic of songwriting. All this content will help me gain traffic. I make money from placing ads, adsense, and relevant affiliate products on the site. Do you think this online business idea could make me six or more figures a year?
4. The last idea is a website where users can submit original songs (which they have legal rights to) and other users can listen, rate, comment, and share songs with other users. There will also be a chatroom and a top 10 song list. It is a way for people to get feedback on their music, and also listen to new music. I will rely on ads to make money, but this site could get big enough to be making me big profits. The site would cost 5-10k to make, but I would get funding. Do you think this online business idea could make me six or more figures a year?
Personally, I like the first idea since I think it could make me the most money. Do you think selling office chairs is good though? Is that a good enough product? I would also do the niche content website to double my income. Do you think I could make six or more figures a year with any of these online business ideas?

Jere answers:
I’m not convinced that the money is in idea #1. First of all, if I were buying an office chair, I would want to sit it in first. But if you do go that way, definitely go with dropshipping – it will save you a fortune in time and the cost of storage for stocking items.
I think you’re really onto something with #3 & #4 – maybe even combined somehow. My initial thought in reading this was that you should do #4 and incorporate #3 as a paid tutorial that you sell ex. Become A Wicked Songwriter In 10 Easy Steps! You could break it down into several 15-20 minute video training sessions offered by email once a week. Then you can charge a small monthly fee for the duration of the course, and you will build a list that you can market other affiliate products to (multiple streams of income). Once you’ve created the course once, you upload it into an email autoresponder like GetResponse (sign up here: http://shorten.ws/8a69e5 ) and it will automatically be sent to new customers. You get paid every month from doing the work once.
Anyway, I hope you have great success… There are lots of ways to monetize a site for multiple streams of income, so my vote is to do what you love. Besides, then you’ll have the passion to really build it out and keep working on it. Speaking from experience, if you don’t love what you’re doing, it’s pretty hard to keep motivated to do it every single day!
Good luck!

Sandra asks…
Online Business Ideas for Low Budget?
I want to do an Online Business. My budget is a meagre $250. I am ready to work around 3 hours a day. I have internet connection at home.
I have tried the following stuff and want to keep away from it:
1.) Affiliate Marketing
2.) Online Surveys and
3.) Paid to Read Email
4.) Domain Flipping
I want an idea in which i will be the owner of the business and i want to earn a decent monthly income at least after 6-8 months of starting the Business. I want to have a website for this.
I have a very little knowledge in web designing. I can create a static site with a Website Builder Software.
Though not immediate, I need to start earning at least after 6-8 months after starting the business.
Please give me good ideas along with the money i have to spend for different things for the start up.
Please indicate the Fixed and Recurring Costs.
Thanks in Advance

Jere answers:
Someone with a surefire plan would probably charge you more than $250 to reveal it.
I’m sure you have already read more how to information than you will get here. I’ve heard the internet pros say more than once that the most common cause of failure is quitting, just when success is within reach, too many people, including myself, hop around between too many ideas, hoping to see an immediate payoff. One pro said that in the golden age of ppc 8 out of 10 attempted campaigns would succeed, these days of higher click cost and heavy competition this pro estimates 2 out of 10 campaigns succeed. Some gurus say “fail fast” it’s an essential part of the learning process.
You could blow your budget on education, spend 1/2 for a domain and host and the other half on paid (indian seo) traffic to kick it in gear. Buy and aged domain with a little pr with the promotion budget?
Building on a proven success might be a conservative approach. I understand the going rate for proven working sites is about 12x monthly income, so you could afford a site doing $25/mo currently, it’s not much but it is a demonstrated profitable, if the site was run by an inept operator, you can boost it with intelligent redesign and seo elbow grease.
One of the lower risk approaches, if you posses sound writing skills you might find steady work as a freelance article, sales copy writer, you might develop some high volume skills with 6 months practice.

Donald asks…
Good online business ideas?
Before i start, please give this question some thought to what it is i want (best answer will be rewarded)
I want some good business ideas for making money online with out relying on search engines and affiliates in the future!
I am thinking on a large scale and of course over many years and a lot of time and money spent to get this really big.
What i mean is:
Relying on search engines and affiliate programs at first to grow the business of course. But I don’t want to rely on any affiliate programs like AdSense for my income nor the search engines forever, i want to be able to forget about them and have a online business that stands on its own 2 feet.
Some might say search engines with PPC, they are good, but this is not what i want to start, the competition is at the top.
Having my own PPC ads is something worth having a look at, like Facebook, it is not a search engine, but they do have PPC ads and Facebook don’t need search engines for users or any affiliates for their income.
So any ideas? even if they take a long time to get established, I am not looking to make any quick money or any decent money for few years, I am in it for the long run.
Thanks for reading my long winded question.
***TO Akash R*** This is not what i mean i don’t care bout making money for few years, I want to start something seroius thats going to last, Your forex thing is all a gamble, I am after buisness thats going to stay around and helpful for mu users.

Jere answers:
Think of a business that is based on what you are most interested in doing and on what you are most skilled at. You might also want to look at what services are in demand these days.
For example:
1. Social media
2. Market research
3. Website design
4. Website development
If you don’t have any of these skills, you can still make money by hiring people with these set of skills to work for you. You get them clients, you earn money, you pay them what is due to them.
Whatever business you decide to do later on, make sure you do some market research to back up your decisions. With the right market research, it would be easier to come up with product ideas and with strong and effective marketing strategies.

Joseph asks…
Please help me with online business ideas?
I really would like to create an online business that will make me six or more figures a year. I have been researching a while, and have come up with some ideas but am not sure if any of the ideas could be profitable. 1 idea is a website where i sell office chairs that I get wholesale and dropship. I am not sure however if office chairs would be good to sell and be profitable. What do you think?
Another idea is to make a website where people buy, trade, and sell gift card for cash. I make money from charging small fee to succesful sales and placing ads on site. Do you think this could make me six or more figure a year?
Another idea could be a niche content site on the subject of songwriting. I would have lots of articles, reviews, and howtos on songwriting to get traffic to the site. would then put ads adsense and relevant affiliate products to make money. Even though this could make me some money, can it make me six or more figures a year?
The last idea probably wont work, but it is a site where users can submit orginal songs (which they have legal rights to) and other users can listen, rate, comment, and share songs with other user. There would be a chat room and a top 10 song list. I would make money from ads. The problem is i would cost me 5-10k to make the site and im not sure if I should spend that money on the site if i dont know that it could be profitable.
So i really like the office chair idea since i think it is the most profitable. Do you think office chairs are good to sell though? What should I sell online if office chairs arent profitable (please no ebooks or info products). What are you’re thoughts on the other ideas. I could possibaly run the office chair site and list some on ebay, aswell as the niche content site to really increase my income. Any ideas?

Jere answers:
I’m not convinced that the money is in idea #1. First of all, if I were buying an office chair, I would want to sit it in first. But if you do go that way, definitely go with dropshipping – it will save you a fortune in time and the cost of storage for stocking items.
I think you’re really onto something with #3 & #4 – maybe even combined somehow. My initial thought in reading this was that you should do #4 and incorporate #3 as a paid tutorial that you sell ex. Become A Wicked Songwriter In 10 Easy Steps! You could break it down into several 15-20 minute video training sessions offered by email once a week. Then you can charge a small monthly fee for the duration of the course, and you will build a list that you can market other affiliate products to (multiple streams of income). Once you’ve created the course once, you upload it into an email autoresponder like GetResponse (sign up here: http://shorten.ws/8a69e5 ) and it will automatically be sent to new customers. You get paid every month from doing the work once.
Anyway, I hope you have great success… There are lots of ways to monetize a site for multiple streams of income, so my vote is to do what you love. Besides, then you’ll have the passion to really build it out and keep working on it. Speaking from experience, if you don’t love what you’re doing, it’s pretty hard to keep motivated to do it every single day!
Good luck!

Susan asks…
Simple easy online business ideas?how to get started?
Simple easy online business ideas?how to get started?
Okay I am no fool, and don’t believe in get rich quick schemes. Nor do I have any self made invention that I think the world cannot do without. I simply am looking to make a minimal amount of income here and there. I spend lots of time on the computer so I figure why not start an online business. I would just like some simple suggestions that have been sucsessful by a large margain. Maybe selling t-shirts. Or whatever. I also figure I would have to invest some money into this.I am fine with that. Any suggestions you have for me will be appreciated. Thanks in advance.

Jere answers:
What do 99 out of 100 people want to do if time and money were not an issue? It is travel. If 80 percent of people are already booking online, what does that tell you?
People love to talk about their vacations and show pictures of the good times they had with family and friends. They love to talk about the people they met, the different cultures they interacted with and the new friends they made along the way.
Travel encompasses so many industries from flights, cruises, hotels, cars, vacations and much more. Go to any major airport, any cruise terminal and see the long lines of people. They didn’t get those flights or cruises for free. They booked them some where, most likely online.
Travel is a simple and not complicated. People have been booking online for ten years plus. The only difference now is that instead of the big people of internet travel hogging of all the commissions and benefits, the everday “joe traveler” can now enjoy some extra income.
If more information is desired, please send a message via the profile page.
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Your Questions About The Real Biz

Ruth asks…
RHH: do you think the real hip-hop is not on the radio? How do you feel about the new school?
Old school is way better in my opinion. I can’t even call the new sh1t (on the radio) hip-hop. Now i’m talking ’bout the stuff like that only is about bitches and money.. They don’t express theirselves, they only want money and fame.
I really love the native tongues possee (Tribe, Jungle brothers, LONS) rakim, biz markie and stuff like that and that’s what i call hip-hop, not lil’wayne. Too bad Leaders of the new school split up.. They could have led the new school 😉
What do you think?

Jere answers:
Asky is wickedy wack…….to answer ure question….real hip hop isnt played on the radio….there are some seldom times that they will put a dope joint but like i said its seldom…..the new school sucks….they aint got passion for hip hop…they just wanna get paid…its theyre job to make rap records…not because they love to make records…thats the difference between new school and old…..old skool was creative and dope because they didnt give a fck if they will make a dollar….all they want was to HIP HOP AND DONT STOP…..FCK THE MEDIA….they dont know sh!t about hip hop

Richard asks…
How’s this for a solution our problems and Iran?
We just send all our politicians to Iran. They would run Iran broke real quick and they wouldn’t be in our hair any more either. We know what we want and what we need. We don’t need the spend happy ice holes in DC any more. We could spend our money as we see fit.

Jere answers:
How about we stop with the kumba ya biz and just start knocking off anyone we see fit. Lets take over the whole world b/c we can? That would solve many problems.

Robert asks…
Please give me more info on NOD REsearch if you have heard of it. Is it a scam or is it real!?
I have had my parents who are realtors ask a few lenders if they have heard of this and they havent, they are looking into it more to find out if its real or not. Please email me if you have ever dealt with them good and the bad! mlbagley0712@aol.com

Jere answers:
It’s a scam. The guy that picks up when you call (always the same guy) is a con-artist.
Check this out:
http://www.yelp.com/biz/nod-research-portland

Nancy asks…
What are some of the least expensive ways to acquire ebay sellable inventory?
Please limit your answers to those that are both legal and ethical. No Biz Opps or ads. Real suggestions only.

Jere answers:
Obviously ALL sellers will want to source the cheapest products. (and the big boys do-so you are competing with others who can spend thousands £’s on stock)
Ultimately you must choose what you intend to sell and therefore research how you can get it cheaper (usually buying at huge quantities)
TBH noone is likely going to help you be a competitor
You must research your products and how much you can spend on your stock

Betty asks…
How do you do the card trick “cardiographic”?
I want to add this to my repetiore of tricks. If you don’t know what I’m talking about, it’s the card trick where a spectator picks a card and you attempt to draw it on the back of the deck and it is wrong, only to have a drawing of their real card emerge from under the original drawing.

Jere answers:
Hi buddy
I dont know much about cards. But i can help you in one way. I saw a website while surfing in the net. There i found lot of informations about poker. Just visit the link below.
Http://www.online-pokergame.biz/rulespoker.html
http://www.online-pokergame.biz/pokervariants.html
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Your Questions About Email Marketing Tips

Lizzie asks…
Help, marketing interview!!!?
I’ve got a interview next month for a marketing position.
Marketing and Sales Assistant
We are looking to recruit a Marketing and Sales Assistant to help run a busy sales and marketing department.
This is a new opportunity with a varied role and would suit a bright individual with excellent organisational skills wishing to pursue a career in marketing.
You will be efficient with a keen eye for detail, excellent IT skills and creative with good all round communication skills and a flexible attitude. You will be involved in all aspects of marketing.
they emailed me saying bring some examples of my work, i emailed back saying ‘what kind of thing do you want’ the replied with
‘I would like to see anything you think will demonstrate your ability to do this role.’
THAT’S NO HELP!!! the job role barely says anything. any tips what i should do?

Jere answers:
Seeing as it sounds like a reasonably junior job and in no way sets out any minimum qualifications, criteria, or previous experience necessary, this is a very strange thing to say.
I’m currently recruiting for a very senior Digital Marketing Manager and when people apply and send their CV to me, I email and ask them to send me a brief summary of their digital marketing experience. What I’m looking to find out is:
– What digital marketing methods have they used?
– What other innovative marketing methods do they have involvement with?
– What projects have they used these methods on? How successful was it? How big was it?
– What company did they work for and/or who was their client if they come from an agency or a consulting firm?
As the previous Answerer said, writing all of this stuff down in advance is good, but what I would do is type it and take it with you. Then, if you don’t have actual concrete examples of your work that you can take, you can leave this with them instead (or as well, if you do have something else).
One thing that you may find helpful is to do a bit more research into the company and find out exactly what they do – what methods of marketing they use and so on – as this might give you some ideas about what they would be looking for.

Nancy asks…
Marketing ideas for IT Training within our company?
I am an IT Trainer at our company (500 people in house and another 500+ at warehouse locations and field staff). Currently we are targeting our staff at our corporate office. I offer computer training every day and each session typically takes 30-45 minutes on one specific topic, for example, Excel Macros.
I typically have 4-5 people in each session, but I would like to have more attend. I have some people here that want to learn more about computers because the love to learn and also realize it will save them time. The others say they don’t have time.
I am working with our web developers to create a site that has e-learning and list the classes they can register that I have scheduled. I will include a point system and as they accumulate points for attending they can choose prizes. I am also going to have a contest that each class you attend you will be entered to win a printer. Finally, I email newsletter with tips and also have a question with a give away as well.
Any ideas
I am trying to get more people to attend classes or want to attend. What can I do to make it more appealing, marketing that will interest them, etc?

Jere answers:
It sounds as though you need to offer something that will eventually turn into more money for the participants….such as continuing education credits toward a certification or degree.
Perhaps there is a grant for which you could apply that would
a./ justify hiring temps for the time that participants leave regularly scheduled work time to attend training
or probably BETTER…
B./ defray the cost of obtaining certification credits or college credits for participants.
You may need to look into this with a local university or business school and see if it is possible. They may even be able to help you with grant-writing if you use their university or business school.

Maria asks…
i started a website and not getting hits i read up on direct email cam pain and they all say build a list i t?
tried all sorts is there any where to get list for free i dont want to spam but perhaps there is a site where people happy to get emails i been to list market sites and they charge a lot what i think is only a few address any tips or advice would be most welcome thanks
ps i have no cash lol

Jere answers:
You have a couple of options to building your own list, both of which aren’t very appetizing. You can use safelists, which will allow you to mail all of their members for an amount of credits, which you earn by receiving and viewing emails from other members. The second option is to buy a list, which is not recommended. There are several sites that sell email addresses, but the top autoresponders like Aweber won’t accept those names, so you’ll need to use your own software based autoresponder to mail them. This is very risky, because you have no protection against spam complaints.
That’s why the best thing to do is build your own list. It’s not that difficult. All you need is a decent squeeze page and an AWeber or GetResponse account, which are like $19 per month or so.
Then, you need to drive traffic. You can easily do that by wriitng and submitting articles to places like Ezine Articles and GoArticles. That’s the best way to get targeted subscribers.
You’ll also be protected against spam, because these people will have to give you specific permission to email them, and there will be record of it.
Unfortunately, if you want to make decent money with an email list, it’s going to require a small investment in an autoresponder, domain, and web hosting. That’s just the way it is. However, it will cost you less than $50 to get going.

Robert asks…
I got a email for an interview from CareerBuilder, But what does this mean?
I got this email after applying to so many positions on CareerBuilder:
Steve Wilson Director of Sales and Marketing Beltone
Thank you so much for your interest in the position of Hearing Care Practioner. You will be selling Beltone hearing aids, fitting Beltone hearing aids, and servicing All Makes of hearing aids. Your resume has placed you on top of the list of other candidates. I would like to schedule an interview to discuss your personal goals, and what opportunities and compensation is available with Beltone.
I will be doing clinic rounds all this week and will only be available Tuesday February 28th at 4:00pm and Wednesday February 29th at 4:00pm. Please select one date and email me to confirm your interview date.
I look forward to seeing you at my corporate address in Eastpointe.
Steve Wilson
22777 Kelly Rd. @ Nine Mile Rd.
Eastpointe, Mi. 48021
Thats the exact email word for word.
Now here’s what it says at the bottom of the email:
DISCLAIMER
Please be aware that the content of this email has not been reviewed or approved by CareerBuilder and is in no way endorsed by CareerBuilder. You are solely responsible for any response you choose to provide to this email and you do so at your own risk. If you have questions regarding the legitimacy of the position being offered please contact the CareerBuilder Trust and Site Security Team by submitting your inquiry to: TSST@careerbuilder.com Please also review common scams and tips for protecting yourself on CareerBuilder’s Fraud Page. If you have questions or comments for and CareerBuilder, please use our feedback form.
I don’t understand, what does this mean? How can it be a scam? The guy told me to show up at that address for an interview. Should I go? Or is CareerBuilder just being stupid and I should go?
Please tell me what this means.

Jere answers:
The bit at the bottom is to cover CareerBuilder’s rear end, because there are some scammers out there who will abuse the service to send out emails worthy of the warning. It says nothing either way about this particular employer.

Thomas asks…
Is this CareerBuilder email a scam, Or is CareerBuilder just being stupid?
I got this email after applying to so many positions on CareerBuilder:
Steve Wilson Director of Sales and Marketing Beltone
Thank you so much for your interest in the position of Hearing Care Practioner. You will be selling Beltone hearing aids, fitting Beltone hearing aids, and servicing All Makes of hearing aids. Your resume has placed you on top of the list of other candidates. I would like to schedule an interview to discuss your personal goals, and what opportunities and compensation is available with Beltone.
I will be doing clinic rounds all this week and will only be available Tuesday February 28th at 4:00pm and Wednesday February 29th at 4:00pm. Please select one date and email me to confirm your interview date.
I look forward to seeing you at my corporate address in Eastpointe.
Steve Wilson
22777 Kelly Rd. @ Nine Mile Rd.
Eastpointe, Mi. 48021
Thats the exact email word for word.
Now here’s what it says at the bottom of the email:
DISCLAIMER
Please be aware that the content of this email has not been reviewed or approved by CareerBuilder and is in no way endorsed by CareerBuilder. You are solely responsible for any response you choose to provide to this email and you do so at your own risk. If you have questions regarding the legitimacy of the position being offered please contact the CareerBuilder Trust and Site Security Team by submitting your inquiry to: TSST@careerbuilder.com Please also review common scams and tips for protecting yourself on CareerBuilder’s Fraud Page. If you have questions or comments for and CareerBuilder, please use our feedback form.
I don’t understand, what does this mean? How can it be a scam? The guy told me to show up at that address for an interview. Should I go? Or is CareerBuilder just being stupid and I should go?
Please tell me what this means.

Jere answers:
A disclaimer sent to everyone.
Careful with career builder.
You will get a lot of jobs on commission only that you have to find your own clients. Not the best type of work.
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Your Questions About Business Online Services Group

Thomas asks…
Which company is best for graphic designing services to all advertising and marketing needs?
hi…
I’ve been having such a hard time choosing the best company for graphic design services which I want.it should be Affordable, custom-made design services and cheap.
PLZ ALSO TELL ME SCOPE OF GRAPHIC DESIGN SERVICES IN blog templates, coperate design,facebook layout.

Jere answers:
EZdia is a leading company that offers quality and affordable online design services to its customers worldwide.It is widely recognized as leaders in Internet Marketing and one of the Most Popular Design Providing companies on the web.It’s group of designers, art directors, visualizers and copy editors are standing by to help you develop professional marketing communications, ranging from logos and business cards to web sites and a social media presence.

Joseph asks…
Has anyone here ever personally filled out and submitted requests for any of these federal grants available?
Have several questions…. how difficult is it? Did you use a service to assist you? Are there hidden costs such as a fee with each one submitted? I’ve been looking at a service online and would seriously like to file a request for a small business federal grant. Suggestions welcome but I am specifically looking for someone who has done it personally. Thanks everyone
Have I received the only answer to this question? No free money it seems….which comes at no surprise.

Jere answers:
I’ve gotten grant monies but not to start a business
It is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for starting a for-profit business.
One possible exception is for companies developing or exporting agricultural goods, including food and forest product. Another exception could be the Small Business Innovation Research (SBIR) or Small Business Technology Transfer (STTR) programs http://www.sba.gov/aboutsba/sbaprograms/sbir/index.html , which fund the research and development of technological innovation that meets specific government needs.
Your best bet actually will be from the states if they offer grant programs for women (or any other special interest groups — minorities, women, disabled, veterans, etc). Or check with non profit organizations, particularly women organizations if they offer grants. Examples include
Iowa Women’s Foundation http://www.iawf.org/
New Mexico Women’s Foundation http://www.nmwf.org/guidelines.html
Even SBA does NOT give out grants. From the SBA website http://www.sba.gov/mostrequesteditems/CON_FAQ2.html
“The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments.”
Nonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov – these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.
Here is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business — THERE’S NONE.
Http://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show
Most of the federal grants are given to specific target groups with specific requirements (e.g. Minority business owners involved in transportation related contracts emanating from DOT – Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program
Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women’s Business Ownership Assistance that are given to those who will create women’s business center that will train women entrepreneurs

Ruth asks…
What are some reliable sites that offer legitimate work-at-home jobs?
I want to work online or at home and I don’t know which sites to trust. Please help!!! Thanks!

Jere answers:
Please don’t be discouraged by the inaccurate comment on the discussion board. Lots of people work at home. The person who takes your order at 1800Flowers or books your reservation at hotels.com is probably working from home. It’s not exactly the same as working for a brick and mortar business but can be rewarding in its own way.
You mentioned “sites.” If you mean sites that are set up to promote a particular opportunity, they’re probably not reliable. The first rule of thumb is, if you have to pay for it it’s not a job and it’s probably not legitimate. Ignore the places that promise thousands of dollars a week for little work, that want you to invest, that make you buy materials or that say you can make tons of money promoting or selling something. The sites you want are forums or discussion groups that list WAM vacancies and also have areas where people discuss the companies/jobs. That way you’ll get a good idea of which ones are genuine and what it’s like to work for the companies. Search for WAM sites like Workplace Like Home and The Rat Race Rebellion. That’s where you’ll find both jobs and information.
Working at home usually doesn’t pay as well as regular jobs. The pay ranges from about $8 per hour to $25. Be skeptical of those in the higher range. On the other hand, factor in that you won’t need transportation, work clothes or to go out to lunch.
WAM jobs often aren’t steady. Sometimes the work comes in batches, with periods of no work in between. You’ll likely be paid only for the time you’re working. If you want to do eight hours worth of work a day be prepared to work more than eight actual hours. Many WAM workers have more than one job for this reason.
With a WAM job you’re more likely to be an independent contractor than an employee. An important aspect of that is you’ll need to plan on paying the total amount of income taxes, which could amount to approximately 25% of your income. Few WAM jobs offer benefits like health insurance or paid vacations, so consider that, as well.
There are a variety of types of WAM jobs. They include sales, transcription, customer service, writing, site moderation, examination grading, medical coding, adult industry and data entry, to name just a few. Some companies concentrate primarily on WAM workers, others have just a few jobs that are done that way.
With the current economy, although there seem to be more WAM jobs, there are also more people wanting them. It’s competitive. Just as with B&M jobs, you’ll need to be a good fit, having the experience and skills the employer wants. Freshen your resume and be sure your computer abilities are up to date. Even in non IT fields, you’ll often need to be familar with some of the major software packages or navigating the internet.

Sharon asks…
What’s the best way to start your own business ?
I’m thinking of starting a business any business I would just like a profit strategy to go by thanks

Jere answers:
You don’t want your business to be a job so choose something you really love. The next step is a lot of research. Look at other businesses doing the same thing and are good at it. What are the materials they use and where is the cheapest place to get it but have quality too. What is your profit range? Its nice to start off copying someone partly but look for your difference that will make you stand out from everyone. Next is to choose your audience. What age group and money group is best for your business? Do you want to go online? Where is the best place to sell or are you choosing a service?. Next, what are your start up fees? What type of marketing and marketing products would be best for you? Do you need to get a loan and if so what banking choices do you have? Remember most businesses don’t pull a profit right away. Some may take a year or two depending on the business. So to recap:
1. Choose your business
selling products or a service
2.Research Everything and check out other companies close to what you want
3.Cost of making products or performing service
4.Pricing (price comparison)
5.Start up cost (rent, gas, car, business permits, products, etc..)
6.Demographics (age group and money group)
7.Marketing
8.Check for anything you may have missed and then put it all together and tweak it to your best.
Here is a great link to find out more info of what you need: http://www.sba.gov/content/follow-these-steps-starting-business
Copy and paste into your url and hit go

Ken asks…
Where Can I go online to apply for a unsecured business loan with out leaving my office?
Where Can I go online to apply for a unsecured business loan or personal loan with out leaving my office or home.

Jere answers:
A true business credit card is a line of credit that is taken in the name of the business, under the business’ credit. Activity, whether good or bad, is reflected on your business’ credit report through D&B and other financial institutions, and the liability for any debts incurred and bills owed is with the business.
However, some companies out there offer “business” credit cards which they require a person guarantee for. These institutions will often ask for a personal guarantee, and will almost always ask for a social security number from the person applying for the card. If this is the case, the credit card is not a business credit card, but is simply a personal credit card which is used for the business. The business is not liable for bills and debts – you are.
When applying for a credit card for your business, watch out for areas asking for your SSN (and not your TaxID or EIN) and be wary of any credit card that asks for a personal guarantee. By ensuring that your credit card is in the name of your business, you can help to build your business’ credit, while avoiding creating problems with your own.
Many companies offer a list of credit cards that are issued under the business name only. Those lists typically run $300-$900, depending on the quality of the information inquiring. I would suggest starting your search online via google or yahoo. Search for “strong business credit” (just like that in quotes) to find services that sell the information.
Good luck,
Ilya Bodner
Small Business Owner
Initial Underwriting Group
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Your Questions About Direct Marketing Jobs

Joseph asks…
Do you know of legitimate work from home jobs?
I am not looking for direct sales jobs. I am looking for customer service, data entry, etc. type jobs. Preferably some place that does not require a land line as all I use is my cell phone.

Jere answers:
The work from home jobs that aren’t scams actually require work on your part – and if you’re in need of money soon then you’re likely to be sorely disappointed in any of those as well. Most of the legit opportunities out there take time to build – so if someone makes an outrageous claim of income it probably isn’t true ( and those that are true sure didn’t make that kind of money when they first began ).
Http://working-from-home-ireland.blogspot.com/
Time & effort required – but do your own research on what is best for you, don’t take the advice of myself and others as gospel from this type of forum.
Http://www.working-from-home-jobs.com/
I have other ideas that may help – one of them is an online opportunity but another is one that will require a little effort to market yourself – try some data entry for local businesses, many of them don’t have the time to do it in-house and will gladly pay someone else to do it. Professionals are a good place to start, lawyers, doctors, chiropractors, etc – they need their “in-house” folks doing other things rather than busy work.
Http://work-at-home-tips.blogspot.com/
Hope it helps!

Lizzie asks…
Where should I go for Public Relations job listings?
I have a degree, so I don’t want the marketing/sales jobs that require nothing more than a HS diploma that come up in Hot Jobs. I want to find a place that will list legit PR jobs that are for entry level students w/ a BA degree. Any suggestions?

Jere answers:
PRSA for national/regional jobs
Check specific cities and apply direct to the PR firms in the cities you want to live/work in.
Look for specialized recruiters working in placement in the PR industry.

Michael asks…
What is SAP and how it is going to help in my career development?
I have been working as a direct manufacturing sales & marketing executive in heavy machinery equipment from past seven years, I am planning to do SAP- SD module. Can any one help me to know more about it.
I also want to know the best institute to learnSAP in bangalore.

Jere answers:
How it helps..,
First of all it lets come into a core group and enhance Ur business analysis skills. JOB satisfaction is great and also pay.
Sapient/Siemens training institute is the best institute. It gives full in depth training. Provided u have large amounts in ur pockets.
SAP Training institutes in Bangalore,India
SAPIENT ACADEMY (Run by SAP itself)..Brunton Road,
Banglore
Or go through this website. This is a good explorer on SAP
http://sap.ittoolbox.com/groups/career/sap-career/
u can check also this
http://www.intelligentedu.com/newly_researched_free_training/SAP.html
other institutes
SAP ZEN in lalbagh Road
Enterprise-Logic bangalore
these are all the institutes with contact address
SAP India Pvt Ltd (SAPIENT ACADEMY)
Thapar Niketan7/4 Brunton Road
Bangalore 560 025 India
Tel: (91) 80 25593554 / 41365669 / 41365670
Fax: (91) 80 25095888
Email: education.india@sap.com
Siemens Information Systems Limited
206, LOGOS , Ground FloorThe Bible Society Building
M.G Road Bangalore – 560 001
Tel : (91) 80- 57700001 / 2
Contact persons : Ms. Shubha Ghargi/Prachi Garg
E-mail: sapatcblr.in@siemens.comor
E-mail: prachi.garg@siemens.com
Dallas Technologies
30/1, R.K.Plaza, CMH Road,
Indiranagar, Bangalore.
Ph:080-41261215/41269441/9986743757
Zenith-ERP Services
No 18,4th cross,5th block,
Industrial layout,
Koramangala Bangalore-560095.
Ph: 66170715/9900245444
E-mail:shiv@zenith-erp.com
Software Information Solutions
30/1, I floor, above Food world,
Next to HP office, Cunningham road,
Bangalore-560062
Ph: 65369255/56
Jayanagar: 65369258/59/60
APX IT Solutions,
14/129,I floor,
1B cross, 8th Main,
BTM I stage,
Bangalore -560029
Ph: 41464844/33/9916304423
SAPPHIRE GLOBAL CONSULTING SERVICES
# 47, 100 feet Road, Vysya Bank Colony,
BTM 2nd Stage, Next to NIIT Centure,
Bangalore – 560 076Ph – 080-65304739.
Email: enquiries@sapphireglobal.co.in

Jenny asks…
What are the typical marketing solutions available to small businesses?
I have a job interview next week for a job working with Google AdWords for a small marketing business. In the job description it states that I should have a sound knowledge of ‘the typical marketing solutions available to small businesses’. I have a brief idea but I just wanted to brush-up my knowledge and double check that I have the right idea.
Thanks to anyone who can help 🙂

Jere answers:
Sam,
I think what they are implying here is that smaller businesses don’t quite have the same budgets as larger entities. Therefore, suggesting channels of promotion that aren’t 1) Expensive and 2) Don’t take a whole lot of direct admin. Costs to start working. If you’re discussing Adwords, then there are other online channels of promotion such as social media (Facebook, Twitter, YouTube, Yelp). You should understand how those work and how to leverage. You can in fact run PPC (pay-per-click) like Adwords in Facebook. If they are thinking traditional marketing mix, then simple direct mailers, flyers, etc. Would be what you would want to suggest. In retrospect, larger firms might be investing in focus groups, A/B content testing, and other means that allows them to refine and focus a message. As long as you understand ‘marketing best practices’ then the channel doesn’t really matter. The two elements that are most important here are what is within reach and cost effective. For Adwords in particular, doing extensive keyword research and finding the low lying fruit will get you the best results. Generalized keywords, although have high volume of searches, are also the same words with high level of competition. Finding a niche’ and sticking with it is your best bet.

Mandy asks…
How is the job market in the San Francisco Bay Area right now?
I’ve been hearing that there are a lot of people losing jobs in the Bay Area. However, I would like to know how the job market is. Especially in the Pharmaceutical and Biotech fields. Is it as bad as people say it is?
Can anyone tell me how good and bad the job market is in San Francisco Bay Area?

Jere answers:
The unemployment rate in that direct are is 10%…. Not bad when comparing it with the states’ overall unemployment rate of 12%
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Your Questions About How To Do Business Online In India

Richard asks…
What is the best business to manage online in india / chennai?
I work in a IT company, I am salaried and my living is depend on it. I cannot quit my job, but i am more interested in doing a business. So the possibility is that it has to be managed through online. So, please suggest me a good online business for the Chennai / India region. I can invest upto 5L. If the outcome is more succesfull i will quit my job as well.

Jere answers:
INVEST IN REALITY SECTOR

Lisa asks…
What are the good classified website to advertise in INDIA.?
I want to advertise my business online, Please advice which are the good classified website in INDIA ? to advertise and get good response for the business.

Jere answers:
I found this to advertise my business in india – http://www.wegotinfo.in
Try and find your luck 🙂

Robert asks…
From where ill get the license and permission for online business?
I just planned for run a online business from india. From where ill get the license and permission for online business?

Jere answers:
Hi there
To start an online business, you don’t need to take any permissions if you are selling something to Indians only.
All you have to do is start your website and create a current bank account. A current bank account is as good as a “proprietorship concern”.
If you plan to sell something to people outside India, a PayPal account will help. Depending on what you are selling, you may need to get an IEC code made.
I am assuming you are not stocking anything and wish to keep things as simple as possible. Rest I can only comment once you give more details.
Regards
Siddharth Goyal
COO, Company Kickstart LLC

Sandy asks…
How to start business in India?
Starting an online gaming business in India?
Hi, I am based in Europe and thinking of starting same kind of business in India, within online gaming.
– where can find sources for legal restrictions
– what is the biggest online game – Second Life?
– what is needed, on office, location.
Any tips is useful. Thanks in advance.

Jere answers:
Your intended business activity will need various approvals as you as promoters will be an NRI if at all you are a person of Indian Origin.
ADV in TOI & Economic Times in Mumbai, inviting Consultants and existing operators to have dialogue with you. Briefly explain your scheme and ensure that the AD you insert in a ‘Display Ad’ which attracts attention of readers and prospective investors/consultants.
You will surely have response but first you will have to spend on the AD as this will be an indirect source of investment.

Daniel asks…
What all things needed to START AN ONLINE STORE? I would like to start an online store in india. How its done?
I would like to start an ONLINE STORE in india. Suppose iam planning to start an online electronic gadget store, how to collaborate with direct companies or can I deal with physical stores? How are the thingS done? PLEASE ANY ONE HELP ME.

Jere answers:
First you need a business licence that allows you to sell the products you want to offer.
Then you need to do one of two things:
You either buy stuff on stock and sell it from there or you collaborate with companies and work on some kind of commissions.
For the sales side, try to get a great web designer and offer lots of different payment options – that’s important on the internet. I would at least offer direct transfer, credit card and some safe online payment options like paysafecard.
After you got all that it’s all about good promotion, but that’s another story 🙂
Good luck!
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Your Questions About The Real Biz

Ruth asks…
Home office deduction for an LLC – what form to use?
When using form 8829 (Expenses for business use of home), line 34 says to report value on 1040 Form C line 30. However, 1040 Form C is only for sole proprietorships. Where does that value get reported (which form) if my biz is a multimember LLC? If the answer is form 1065, won’t the other partners get partial credit for my home office deduction?
Thanks in advance!

Jere answers:
Schedule A – employee business expenses –
see Publication 587
From IRS.gov
Topic 509 – Business Use of Home
Whether you are self–employed or are an employee, you may be able to deduct certain expenses for the part of your home you use for business despite the general denial of business expense deductions for the home.
To deduct expenses for business use of the home, part of your home must be used regularly and exclusively as one of the following:
The principal place of business for your trade or business;
The place where you meet and deal with your patients, clients, or customers in the normal course of your trade or business; or
In connection with your trade or business, if you use a separate structure that is not attached to your home.
Where the exclusive use requirement applies, you cannot deduct business expenses for any part of your home that you use for both personal and business purposes. For example, if you are an attorney and use the den of your home to write legal briefs and also for personal purposes, you may not deduct any business–use–of–your–home expenses. Further, under the principal-place-of-business test, you must determine that your home is the principal place of your trade or business after considering where your most important activities are performed and most of your time is spent, in order to deduct expenses for the business use of your home.
Deductions also may be taken for regular use of a residence for the provision of day care services or for business storage purposes; exclusive use is not required in these cases. You also may take deductions if you rent out your residence. For more information, see Publication 587
Deductible expenses for business use of your home include the business portion of real estate taxes, deductible mortgage interest, rent, casualty losses, utilities, insurance, depreciation, maintenance and repairs. You may not deduct expenses for lawn care in general or for painting a room not used for business.
When figuring the amount you can deduct for the business use of your home, you can use the entire amount of expenses attributable solely to the portion of the home used in your business. The amount you can deduct for expenses attributable to the whole house depends on the percentage of your home used for business. To figure this percentage, you may divide the number of square feet used for business by the total square feet in your home. Or, if the rooms are approximately the same size, divide the number of rooms used for business by the total number of rooms in your home. You figure the business portion of your expenses by applying this percentage to the total of each expense. If you are a qualified day-care provider who does not use any area exclusively for day care, your business portion is further limited by the ratio of the number of hours the area is used exclusively for business to the total number of hours the portion was available for any use.
If your gross income from the business use of your home is less than your total business expenses, your deduction for certain expenses for the business use of your home, other than mortgage interest, taxes, casualty losses, and the like is limited. However, those business expenses that can not be deducted because of the gross income limitation can be carried forward to the next year but will be subject to the deduction limit for that year.
If you are in the business of farming or are an employee, use the worksheet in Publication 587 , Business Use of Your Home, (including use by daycare providers) to figure your deduction. As an employee, you must itemize deductions on Form 1040, Schedule A (PDF) to claim expenses for the business use of your home. Farmers claim their expenses on Form 1040, Schedule F (PDF). If you are self–employed, use Form 8829 (PDF) to figure your business–use–of –the–home deductions and report those deductions on Form 1040, Schedule C (PDF).
Publication 587 has detailed information on rules for the business use of your home, including how to determine if your home office qualifies as your principal place of business.

Betty asks…
Are there any successful people out there that have a home based business?
I’m looking real seriously for a home based business that wont require and arm and a leg then part of the other arm to start.I only want someone who has been successful in thier business and could be a good mentor. I live in a city that is growing so fast that just about any business could thrive. Again I only want serious and successful people to talk to anyone out there????????????

Jere answers:
Have you heard of The Team? (www.the-team.biz) It comes with with a mentor ship program where you don’t have to go out on your own and build your business. Everything is set up systematically so there is no guess work also. Send me a message and I can let you know if there is an information meeting near you. Whatever you decide I suggest you go get the first source book below. It will give you a criteria on what you should look for in a home based business.
Good luck!!

Joseph asks…
What to major if I wanna become an actor,director and a producer ?
I thought it was theater but it more Broadway-like i want the real major of show biz the one that will get me to become an actor a producer and a director 😛

Jere answers:
Well, if you want to become an actor/producer/director then you’ll need to have at least one theatre major. Some colleges offer a specific Theatre Major with an emphasis in Directing, so you could check that out. If your college does not, then you could do a Theatre Major with an emphasis in Performance.
Once you are in college (if you are not already), your advisors will help you find the specific major(s) and/or minor(s) to help you achieve your desired occupation.

Jenny asks…
Where can I find an example of an APARTMENT REAL ESTATE DEVELOPMENT BUSINESS PLAN? Please help!?
I am working on a school project, and I need to create a business plan. My scenario is hypothetically like this: I am starting a real estate development business, and my first development project is to be included in my plan. Can anyone please help me? I’d certainly appreciate it!

Jere answers:
Visit the US Small biz administration web site; and download a free biz template from them.
I will help you convert their data to one for a RE development biz.
[free]

Mandy asks…
Any really good Japanese Ramen Places in Los Angeles?
I live near Chinatown in LA. I am looking for a good Ramen place. I know there is probably one in Little Tokyo, I am just looking for a recommendation. I want the REAL deal. Home-made noodles would be a bonus. Thanks.

Jere answers:
My fave is definitely Orochon in Little Tokyo. Many folks swear by Daikokuya, but I think it’s overrated. Still good, though. But if you dig spicy ramen, Orochon is definitely the way to go.
Daikokuya
327 E 1st St
Los Angeles, CA 90012
(213) 626-1680
http://www.yelp.com/biz/daikokuya-los-angeles
Orochon
123 S Onizuka St
Los Angeles, CA 90012
(213) 617-1766
http://www.yelp.com/biz/orochon-ramen-los-angele2
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Your Questions About Internet Marketing Blog

Steven asks…
Best way to start advertising a blog to a specific audience?
Looking to gain a readership of my soon-to-be blog…how exactly do I ‘get the word out’ to people who might be interested in it? This would definitely not appeal to most of my friends and family, so my current social networking contacts aren’t exactly the way to kick start it. Any advice on internet marketing for a new blog? Thanks!

Jere answers:
Standard Search Engine Optimization tactics include creating content feature keyword phrases that represent your topic, this happens naturally but you can help improve your ranking with a little more attention to keywords. The free Google Keyword Tool (search for it) will list the most used search phrases based on a few samples you enter, save a list if these, you might search for them one by one to gauge how good a site has to be to get on page one for that particular phrase. Stay on topic as much as possible to make abundantly clear to the search engines what your site is about.
Spend some time at Webmster or Internet Marketing Forums to learn more SEO techniques, getting links from other sites is key, commenting on other blogs can be a nice start.

Robert asks…
Best Blog Posting to Share?
I would like to share the very best posting on IMsimple.com (an internet marketing blog) with the members of my marketing email list. Which posting would be the best to share? Which one has the biggest impact on you?

Jere answers:
Blogging to the bank is the best product I can recommend to you. I have seen a very honest review here that you can look at: http://gurucrusher.com/02/blogging-to-the-bank-30-blogging-to-the-bank
This will definitely make you money with your blog. You also may need to know that the best way to monetize your blog is by writing reviews and you can use this tool at http://reviewspress.com/?e=productreview
to create a review blog in less than 5 minutes. Look at the resources I have below as well.

Thomas asks…
What is a great product to buy to get traffic for my new blog?
I am new to internet marketing and I just created a blog. I am excited as I have learned a lot of SEO information but now want to see if there is something that may be available for me to buy to help getting traffic. Thanks for the help!
Mary

Jere answers:
PPC – adword Google
PPV – trafficvance
Facebook advertising
Media buy
those are the famous traffic sources

Daniel asks…
What is internet marketing?
A friend of mine recently lost his job. I thought he would become destitute, but it was quite the opposite. He told me that because he got involved with internet marketing, he was able to make enough money to support himself and his family’s middle class lifestyle. His blog is: http://imblog.cxr.cc/
Any advice on how to replicate his success?

Jere answers:
No. There are 10Million people trying to sell their scheme online. Today there are 133 million blogs. Most have an audience of one.
One thing about internet marketing ( where you are recruiting other people to sell a product and you get paid for everything they sell) is that you must tell everyone that it is an “incredible success” even if you have not made a penny. Be skeptical.

Sandy asks…
Virus and blog marketing?
Hi 🙂
I’d like to make the service we offer known to the national and international public through the Internet. It’s a web application (for business users) that will be soon active on a specific site. This site is already on line with an opening welcome page. I’ve often heard of virus and blog marketing. Are there any companies in charge of giving visibility and consequently producing traffic on the sites through virus and/or blog marketing? If there are, could you please give me a list of them?
Thank you very much!!
Max

Jere answers:
It’s viral marketing. You can have it in several ways:
1- Write a PDF file, and give it away to our visitors. Encourage them to distribute the file to others. Make sure you include your URL in the file.
2- If you’re selling a product, run an affiliate program.
3- Install Tell A Friend script on your website.
Here’s a site that is using viral marketing technique, and generating tons of traffic and money:
http://mohdfairuz.com/recommends/7DollarSecrets
Regards,
Fairuz
http://www.PowerProfitMarketing.com
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Your Questions About Email Marketing Software

Daniel asks…
Email Marketing Software?
I’m looking for an email marketing software with built in mailing lists, the software would be able to inform the business if they have looked at the email, can anyone recommend some?

Jere answers:
Be very careful of email marketing software most of them will get your ip address banned or reported to authorities.There is a new law prohibiting collecting private emails, its a privacy issue.

Laura asks…
Email Marketing Software – Suggest me One Plz !!!?
I’m a graduate. I’ve completed my study some days ago.
Now i’m in need of email marketing software. Let me be introduced with some email marketing softwares which i want to use in my articles.
Thanks in advance.

Jere answers:
I prefer this one – “EliteeMail” … Go through it & Try it for Free….
As all we know – Email marketing made easy. Create Email, Send it and Tracking Email – <arketing Campaigns with ease.
Its' every feature – I like. Offers highest delivery which is trusted since 2003.

Lizzie asks…
whats a good email marketing software?
whats a good email marketing software? I have a band and would like to send out monthly blasts with new songs and videos. If it does cost, I would like something you just pay for once and no monthly payments. thanks
and check out my group if you’d like www.facebook.com/teamtakeoff.music

Jere answers:
I think elite email is the no.1 Email Marketing Software

Robert asks…
Email Marketing. Which is best? to buy software and install or use third party company?
Hello People
I just started small online business. One way of getting in touch and offer the service to my customers/ subscribers is to send them emails each week. I would like to know which is the best way for cost effective in email marketing. Is it best to buy email marketing software and install on my system or use the third party company where I would have to pay monthly.
What I see is that email marketing software range from £200+ and third party companies range from £10 for about 500 email/month.
Yet I don’t see any reason to pay monthly to get limited email sending why not buy software install and send as many as I want with no rising monthly cost.
Does anyone knows the down side of buying email marketing software compared to use third part companies.
Regards
Cyberfx

Jere answers:
I would buy software. It would definitely be a lot more reliable and more cost effective (as you are already aware of in terms of the monthly costs). The only downside I can think of software is if you use a poor program. Use a company like Vai and you should be fine. Hope this helps!

Ruth asks…
Email Marketing Software Problems..!?
I seem to be going from one extreme to the other. Started off my email marketing a few weeks ago, which basically meant emailing any one who had ever contacted me, which worked ok but I needed to reach more people or companies within the Health Care sector, so I started using this email address finding software which is good, too good in fact, I now have too many emails with out a really good sending software.
If anyone knows of such a software that will not get me blacklisted then please let me know.
I have already tried Sandblaster, Dark mailer.
Email harvester I use can ne found at www.get-email-addresses.com
Many thanks
Shazza

Jere answers:
You will definitely get blacklisted if you send any email to people you don’t know regardless of which software you use. There are ways to get around this problem, but for that you need to get help from an expert who understands how blacklists work.
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Your Questions About Direct Marketing Solutions

Nancy asks…
looking for a job in North Vancouver?
Accomplished and integrity driven professional offering over 18 years of business success with strong concentration and enormous success in project management and customer service management.
Recognised as a savvy leader with strengths in reengineering business processes, defining contuse improvement processes, building on consensus, reorganising and accelerating peer’s strengths, delegating the right task to the right person, and building powerful teams that can conquer any obstacles. Intelligent businessman with highly diverse business knowledge and propensity to initiate positive changes. Praised for prudently managing human and fanatical recourses and continually extinguishing fires. Not afraid to delve into uncharted waters. Capitalise on strong business acumen and natural leadership talents to steer teams and company in new directions.
Professional strengths:
Project Management, Sales & Marketing, Customer Service Management, Asset Management, Skills Management
Career Development
General Manager, 2008 – 2009 (4 month contract)
Certigard
Bring franchise up to Certigard standards so failing business can be susses fully sold to private investor
Design and implement all marketing programs. Plan and control budget and expenditures, oversee all sales and Operations
Notable Achievements: Complete turnaround of failing business with Center susses fully sold to private investor
Renovation of automotive center
Operations Manager, 2006 – 2008 (3 years)
Car Care Center, Transmission Center, Tire Center (2 locations)
Richmond, B.C.
Plan, organize and direct daily operations, Evaluate markets, Develop and execute internal communication, policies and procedures
Design and implement all marketing programs. Plan and control budget and expenditures, Training of staff, Conduct performance reviews, oversee all sales and business development. $1200.000 annual sales
Operation of 2 automotive centers and (Property Manager) for the other 3 tenants in Commercial Building
Notable Achievements: Responsible for design and renovation project of Big O Tire and grand opening
Instrumental in complete turnaround of under-performing sales; set higher expectations and instituted individual team-member accountability resulting in 79% revenue increase over two years
Research / Training and Installation of a new P.O.S. System (Co-star)
Operations Manager, 2003 – 2005 (3 years)
Car Care Center Richmond, B.C.
Plan, organize and direct daily operations of franchise. $900.000 annual sales
Sales Manager, B.C. & Alberta, 2002- 2003 (1 year)
Paltec Marketing Richmond, B.C.
Development and Sales of a comprehensive line of multifunctional business solutions, 0ffice Products and Pet Products
Territory Manager, 1998 – 2001 (4 years)
Toshiba Business Systems Richmond, B.C.
Development and Sales of a comprehensive line of multifunctional business office solutions, Developing and increasing the customer base -Driving customer satisfaction through solution-based relationships
Manager, 1989 – 1997 (8 years)
Pacific Design Richmond, B.C.
Operated a Renovation and Painting Company
Residential and Commercial work using a combination of employees and sub contractors
Education and Training
Certigard Bay Management Systems
2008
Big O Tire Management Systems
2007
Aamco franchise Development Systems
2006
Canadian Tire Automotive Management Systems
2005
Kwantlen University College
Business Studies, Marketing, Organizational Development and Leadership
2001- 2003
British Columbia Institute of Technology
Business Development, Economics, Management Fundamentals, Marketing
1996 -1998
Dale Carnegie Sales Training
Leadership Training for Managers
1995
W.P. Wagner School of Science and Technology Edmonton Alberta
(High School) Graduated 1994 Automotive shop, Communications, Advanced Placement (develop superior critical thinking, problem solving, and communication skills) (college level studies while in high school) 1994
Volunteer Work
Board of Directors Federal Constituency (National political party)
Appointed to jointly oversee the activities by governing the organization by

Jere answers:
Hello,
Wow! You really are accomplished, and since you are looking for something presumably to earn money now, I thought I would share this with you .
Depending on how you look at it, now is actually an exciting time. Some of the changes that are taking place in today’s economy will be permanent. If you listen to the news, everyday businesses are closing or downsizing. The High street shops are quite empty, yet Internet businesses are growing. There is security in working on line if you know what to do. I had no prior experience working on line or working from home. I found a company that has taught me how to do both and it has changed my life. It is not a get rich quick scam but I now make more money than my (skilled) husband and still stay at home with my two young children. Do you have a computer at home? Do you have a couple of hours a day? Take 10 minutes to read through the info at NewMaverickMoneyMakersBiz.com The world is changing and this could be your opportunity to change with it and live a life you dreamed of. It’s worked for me. Good luck with whatever you decide to do.

Susan asks…
I need some employeers or resume experts to look over my resume and tell me what you think?
name is just not showing but that is how it would be formatted
name
city, state
email
phone number
Objective: I would like to obtain employment and work hard in order to finance my education
Work Experience:
Bio guard pest control temporary job
knock on doors in the evening of potential clients to have their house sprayed for bugs
fill out paper work
follow up sprays
May 2009- December 2009 Intel Marketing Solution Orem UT
*Outbound Sales and Appointment Team*
· Outbound cold calls.
· Set appointments for licensed insurance professionals.
· Met and exceeded Required SPH.
October 2008-April 2009 Cornerstone Electric Henderson, NV
*Electrical Apprentice*
· Rigorous Work Schedule 60+ hour weeks.
· Completed electrical construction of the Eye Masters location.
· Completed over 100 hours of commercial and residential service calls.
January 2008- October 2008 Qwest Idaho Falls, ID
*Sales and Service Representative*
· Answer inbound customer bill inquiries
· Patiently explained bill summary and resolved customer’s problem.
· Offer upgrades to customers existing phone and Internet packages.
· Closed over 100 Direct TV accounts.
May 2006-September 2006 Pinnacle Security Chicago, IL
*Door to Door Sales Representative*
· Chicago South Side (My Office) logged over 1000 hours per Rep.
· Closed over 100 accounts, 80 with 600+ credit scores.
· Valuable face to face sales training.
Education
· -2005-2006 Brigham Young University Idaho, Rexburg, ID
· General Studies
· 3.4 GPA
Interests
School, Music, Watching College and Professional Sports, Cooking!

Jere answers:
1. The heading “Bio guard pest control temporary job” is confusing, probably because you didn’t capitalize the company name, and you didn’t specify your job title. Also, I would suggest putting “temporary job” in brackets.
2. It’s also confusing because “Bio guard pest control temporary job” is formatted differently than your other jobs (i.e. No dates), no astericks, no bullet point symbols. Suggest you change that to make it consistent.
3. What kind of job are you looking for? I suggest you include that in your objective, even if it is general such as “sales” or “customer service representative”. If you would take anything, you could make it even more general by writing something like this: “To obtain a position that will enable me to use my strong sales skills, educational background, and ability to work well with people.”
4. Remember to customize your objective and resume for each position you apply for. Emphasize the parts of your resume that fit what each specific employer is looking for.
Best of luck to you!

Richard asks…
What are the solutions to these problems ? I need serious help !?
Rasta Love Corporation produces two lines of tents sold to outdoor enthusiasts. The tents are cut to specifications in department A. In department B the tents are sewn and folded. The activities, costs, and drivers associated with these two manufacturing processes and its production support activities follow:
Process Activity Overhead cost Driver Quantity
Department A
Pattern alignment- $ 64,400 Batches- 560
Cutting- 50,430 Machine hours- 12,300
Moving product- 100,800 Moves- 2,400
$ 215,630
Department B
Sewing- $ 327,600 Direct labor hours-4,200
Inspecting- 24,000 Inspections- 600
Folding- 47,880 Units- 22,800
$ 399,480
Support
Design- $ 280,000 Modification orders 280
Providing space -51,600 Square feet 8,600
Materials handling- 184,000 Square yards 920,000
$ 515,600
Additional production information on the two lines of tents follows:
Pup Tent Pop-Up Tent
Units produced 15,200 units 7,600 units
Moves 800 moves 1,600 moves
Batches 140 batches 420 batches
Number of inspections 240 inspections 360 inspections
Machine hours 7,000 MH 5,300 MH
Direct labor hours 2,600 DLH 1,600 DLH
Modification orders 70 modification orders 210 modification orders
Space occupied 4,300 square feet 4,300 square feet
Material required 450,000 square yards 470,000 square yards
REQUIREMENT 1:
Using a plantwide overhead rate based on direct labor hours, compute the overhead cost that is assigned to each pup tent and each pop-up tent. (Round your intermediate and final answers to 2 decimal places. Omit the “$” sign in your response.)
REQUIREMENT 2:
Using the plantwide overhead rate, determine the total cost per unit for the two products if the direct materials and direct labor cost is $25 per pup tent and $32 per pop-up tent. (Round your intermediate and final answers to 2 decimal places. Omit the “$” sign in your response.)
REQUIREMENT 3:
If the market price of the pup tent is $65 and the market price of the pop-up tent is $200, determine the gross profit / loss per unit for each tent. (Round your intermediate and final answers to 2 decimal places. Input all amounts as positive values. Omit the “$” sign in your response.)
REQUIREMENT 4:
Using ABC, compute the total cost per unit for each tent if the direct labor and direct materials cost is $25 per pup tent and $32 per pop-up tent. (Round your intermediate and final answers to 2 decimal places. Omit the “$” sign in your response.)
REQUIREMENT 5:
If the market price is $65 per pup tent and $200 per pop-up tent, determine the gross profit / loss per unit for each tent. (Round your answers to 2 decimal places. Omit the “$” sign in your response.)

Jere answers:
This is way too much of a complex assignment for one Yahoo question. If you break this down into several parts, I’ll try to help with some of it.

Laura asks…
Can someone help me how to start earning with Affiliate Marketing?
I read an article who mentioned affiliate marketing as one of the best ways on how to earn online. I am looking for a tutorial or anything that explains me about affiliate marketing. Thanks in advance.

Jere answers:
Learn Affiliate Marketing – 3 Tips on Promoting Other People’s Products
Many people decide to learn affiliate marketing when beginning to make money online. This is a great way to begin, as you are simply promoting other people’s product, and usually earning a nice commission for doing so. With affiliate marketing, you don’t have to deal directly with customers and you can get your feet wet into the world of marketing before moving on to create your own products.
Below are 3 tips that can help you learn affiliate marketing in order to do it correctly.
Do your Research
You should not enter a niche or promote a product blindly. To have the most success in affiliate marketing, you must know how to thoroughly research a market to determine its needs. Market research will show you what niches contain desperate buyers ready to pay for an answer to their problems. Keyword research is also important in creating content and getting traffic to your site. If you just write articles and blogs with no keywords, how is anyone supposed to find them?
Avoid Direct Linking
Unless the product you are trying to sell has an extraordinary sales page that converts like hotcakes, you should not try to direct link. Direct link is where you include your affiliate link (or a domain forwarded to your affiliate link) in the resource box of an article. Creating a landing page and linking to it will allow you to “pre-sell” your visitor by giving them more information on the solution to their problem.
Affiliate Marketing can be Done for Free
Some people will tell you that you should dive right into Pay Per Click advertising if you want to make money, but this isn’t exactly true. While PPC is a great moneymaker, you can also lose a lot of cash if you do not do it correctly. It is recommended that you learn affiliate marketing using free methods when first beginning, in order to have money to reinvest in tools and programs that can help teach you the paid advertising aspects that you can incorporate in the future. Article, video, and forum marketing are three ways you can begin making money from other people’s product absolutely free.

Ken asks…
How do I get direct contact with major corporations with my patented invention?
The invention is a breakthrough in digital technology. No one has been able to achieve this before. Its usage covers many aspects including IT, telecom etc applications. This is a very important technology for the digital age and all companies will be very interested in acquiring it. Be able to establish direct contact with major corporations will eliminate agents and potential scams during the process.

Jere answers:
Participate in Industry Events like Trade Fairs, Technical Seminars, etc. Also write a small Article in a Trade or Technology Journal, discussing the problem your invention solves or the Advantage it confers on the user. Make no mention of the Patented aspects of the Invention, but give sufficient hints that you have patented the solution and that Industry leaders are welcome to discuss modus Operandi for commercial explotation of the Patent. Since the critical areas are already patented , you can think of developing the commercial model and commence trial production for Test Marketing. This would help you to seek Venture Capital as an alternative to Partnership with the Giant corporations or outright selling off of the Rights. Ideally, you should sell the Rights only after a commercial profit of significant high proportion gets booked. It will give you far more bargaining power and fetch better price.
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Your Questions About How To Do Business Online Tips

Joseph asks…
How can I start a successful online business?
What do I need to get started?
How would I get the money?
Any tips or advice is appreciated, Thanks

Jere answers:
To have an online biz that is successful is about like winning the lottery; there are about 100,000,000,000 on line
biz’s……….and fewer than 1% get any traffic and of those that do only 4% make any profit.
So, do market research
write a biz plan
solve customer’s problems
find your passions
available to guide you further

John asks…
I want to set up an online business based in Melbourne (Aust) for worldwide orders, how to get a website setup
•The Business Name I Want To Use Is Not Registered Under Xxxxx.Com.Au Yet Which Is Good
•How Much To Pay To Set Up A Website,
•How To Register A Domain Name,
•Which Webhosting Is The Best In Aust
•The Products I Want To Sell Is Feng Shui Items
•I Want To Put Item Listing In The Left Panel, And In The Middle Page Product Photos, Description, Pricing
•Which Online Payment Option Should I Go For And How Much?
•Should I Register ABN And Open A Bank Account With It?
•I Intend To Register A Business Under My New Trust, Where I Register This Business Name With ABN
•What Are The Rules / Regulations
•How Do I Do Research To Find Out The Popular Feng Shui Items Sold Over Internet?
•Where Can I Find Someone To Design The Webpage For Me?
•Is There A Template That I Can Use?
Any Tips / Hints Would Be Greatly Appreciated
Thank You.

Jere answers:
How to List a Domain Name
There are two principal steps to make your website on the internet and registering/booking a domain name is the number one.
A domain name builds the address of your site and can end in . Com, . Net, . Org, . Info, . Us, . Biz, . Tv and further.
Directly afer you have registered your name, you will pick a web host (2nd step). The web host is the guts of any website as this is where you build and publish your pages, build purchase fillings, insert service and preserve your site.
How to Select the Best Domain Name
If being in the foremost search engines (Yahoo!, MSN, etc. ) is tremendously essential to you, I extremely urge you index a name that includes your major keywords as an alternative of your enterprise name.
Imagine about it. The normal visitor searches by theme, not by correct name. So why it may seem cool to have a name corresponding Jack’sLinux. Com, you’ll wish to select a name that contains keywords that your intended spectators would likely use when they search.
So with that in thinking, a name like Begin-using-Linux. Com would be much enhanced than Jack’sLinux. Com. Sure, you can still list your corporation name on your web pages, but I think it’s more important to make sure the domain name consist of your eminent “search friendly” keywords if you want to receive traffic from all over.
No doubt, you can still register your firm name on the web site some area, but your domain name will consist of all the significant keywords you’ll want to be found with.
How to Register a Domain Name
Ordering a domain name is easy and very budget pleasant. You don’t need to compensate $35 per year like you would if you listed with big companies.
I’ll illustrate you how to save a bundle at http://www.domain-name-register-store.com – and you’ll pick up admirable client help desk that is available 24 hours a day, 7 days a week.
The big name companies cost silly rates such as $30-35/year for an individual domain name, and you gain the matching feature at http://www.domain-name-register-store.com for 60% or even less.
Also now it is promotion time there: Use the code 5NC25 for a discount of 5% for any $25 and up purchase.
So make your move NOW!
Good Luck,
Vera.

Carol asks…
How do I get started with an online business? Help!?
I want to sell custom designed birth announcements, invitations, business cards, things like that. But I just have no idea how to get started and it’s so overwhelming. Someone told me to start off by selling through an Ebay store rather than starting my own website. Then if I do well through Ebay, move on to having my own site.
Anyone out there have any advice or tips for me?? Thanks!

Jere answers:
The first thing is to make sure it will be profitable.
Do your break even analysis.
Find out EXACTLY what it will cost to do business via eBay, and using PayPal.
You might be disappointed, but you must know in advance.

Sharon asks…
What is the best way to advertise for my auto repair shop online?
I have been using Google Adwords for a couple months. My question is there any other company that i can use to get my automotive repair shop out there when is comes to engine searchs. What is the best my to advertisem my business online? Any tips?

Jere answers:
Google Adwords ( PPC ) Works If Done The Right Way.
The Best Thing To Do Is Optimize Your Websites For The Search Engines So It Shows Up On The First Page of The Search Results, This Also Needs To Be Done The Right Way.
Call Me So I Can Discuss This With You and Get More Information About Your Business, I Have Been Marketing Online Since 1999
http://firstpageseopro.com/

Mandy asks…
What are the Pros and cons of Dropshipping?
I want to start a lingerie business and I was reading about dropshipping but the more I read the more confused I seem to be. I know I have alot to learn about starting a business online so any tips would be greatly appreciated.

Jere answers:
Pros are that you don’t buy it ahead of time, when you get an order from your customer is when you place an order with your supplier. So inventory doesn’t tie up any of your money, you’re not left with purchases nobody seems to want.
Con is that the customer has to wait for it. If they are in a hurry, could lose the customer to a competitor.
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Your Questions About Business Online Backup

Ruth asks…
Which website idea should I pick?
Im 13. I want to start an online business over the summer. I want to make six or more figures a year. That might sound crazy since im only 13, but it is my goal. I have money to start the business, and my grandparents might invest. Coding will be done by my cousin who is at RIT for web design and programming, or I could hire a web design firm, or hire someone from Elance. I have a few ideas, but Im not sure which one I should do. Which one is the most profitable?
1. A website where users can submit original songs and other users can listen, rate, comment, share, and chat. Users can also create a profile page and keep track of there favorite music, find new band members in the band member finder, and post info. I would make money by selling ad space, and I could make money by creating a pro membership level if the site becomes big enough. I would either hire a web design firm (although i think it could cost $100,000, in that case, i wont hire a web design firm), a coder from elance for a good price, or have my cousin code it. I love this idea, and it doesnt have that much competition other than purevolume.com.
2. I would sell musical instruments (bass, guitars, drums, dj and lighting, vocals, keyboards) on my website. i would buy them wholesale and sell them for a bigger price. I would then have the wholesaler dropship to the customer. There is a lot of competition, though. Try Sam Ash or Guitar Center or musiciansfriend.com.
3. A job search website. This could be a site where the employers post wanted ads and people can apply for each job. I would charge the employer a comission to post the ad.
4. A online backup website. This is where customers can back up important data such as files, photos, music, etc. to a sever. I would purchase www.remote-backup.com’s virtual hosting set up for $500. it allows you to sell their customizable software to your customers and access the administrative stuff from a central account on their site. So I could have a plan for 5gb of storage and sell it to a customer for $25 a month. thats around $300 a year from only 1 customer. remote-backup only charges me the once for the $500, and charges me $1 for every customer i get and then $.25 for every gb they use. Many people are backing up now, so this could be profitable. Although there is mozy and snapfish and other companies already around.
4. This is a website where people can post and sell and buy websites. Like sitepoint.com although. This could be a good site though since sitepoint does not focus on buying and selling sites although that is one of their services. This could be profitable by either charging a commision and/or selling ad space.
5. This last idea is a little weird. It is a site where one user starts a debate by putting in two sides such as mcdonalds vs burger king. Then other users choose which side they want to be on, and debate. Each comment they make would be on either side mcdonald or burger king depending on what they chose. and they have an argument. This could be useful in many ways. example, if someone wanted to buy something such as a computer, and they were stuck on mac or pc, they could create an argument mac vs pc and have great answers giving reasons why they should buy mac or pc. based on personal preference, the person could decide on mac or pc based on certain comments. This site could also be used for fun reasons to see which of something is better or what not. I would make money from selling ad space. This would be a fun site and i would hire an elance person or my cousin to build the site.
I like a lot of these such as the music sharing site, debate site, backup business, job posting site, but im not sure which one is good.
Could any of these ideas make me six or more figures a year? Which idea is better? Which idea should I do? Which idea is the most profitable?
Thanks.
(even if you dont think any of these are good, which would you choose if you had to?)
Thanks again.

Jere answers:
1. And 2. Combined, all the rest are out there already.
You need a VC http://en.wikipedia.org/wiki/Venture_capital

Richard asks…
What website idea should I pick?
Im 13. I want to start an online business over the summer. I want to make six or more figures a year. That might sound crazy since im only 13, but it is my goal. I have money to start the business, and my grandparents might invest. Coding will be done by my cousin who is at RIT for web design and programming, or I could hire a web design firm, or hire someone from Elance. I have a few ideas, but Im not sure which one I should do. Which one is the most profitable?
1. A website where users can submit original songs and other users can listen, rate, comment, share, and chat. Users can also create a profile page and keep track of there favorite music, find new band members in the band member finder, and post info. I would make money by selling ad space, and I could make money by creating a pro membership level if the site becomes big enough. I would either hire a web design firm (although i think it could cost $100,000, in that case, i wont hire a web design firm), a coder from elance for a good price, or have my cousin code it. I love this idea, and it doesnt have that much competition other than purevolume.com.
2. I would sell musical instruments (bass, guitars, drums, dj and lighting, vocals, keyboards) on my website. i would buy them wholesale and sell them for a bigger price. I would then have the wholesaler dropship to the customer. There is a lot of competition, though. Try Sam Ash or Guitar Center or musiciansfriend.com.
3. A job search website. This could be a site where the employers post wanted ads and people can apply for each job. I would charge the employer a comission to post the ad.
4. A online backup website. This is where customers can back up important data such as files, photos, music, etc. to a sever. I would purchase www.remote-backup.com’s virtual hosting set up for $500. it allows you to sell their customizable software to your customers and access the administrative stuff from a central account on their site. So I could have a plan for 5gb of storage and sell it to a customer for $25 a month. thats around $300 a year from only 1 customer. remote-backup only charges me the once for the $500, and charges me $1 for every customer i get and then $.25 for every gb they use. Many people are backing up now, so this could be profitable. Although there is mozy and snapfish and other companies already around.
4. This is a website where people can post and sell and buy websites. Like sitepoint.com although. This could be a good site though since sitepoint does not focus on buying and selling sites although that is one of their services. This could be profitable by either charging a commision and/or selling ad space.
5. This last idea is a little weird. It is a site where one user starts a debate by putting in two sides such as mcdonalds vs burger king. Then other users choose which side they want to be on, and debate. Each comment they make would be on either side mcdonald or burger king depending on what they chose. and they have an argument. This could be useful in many ways. example, if someone wanted to buy something such as a computer, and they were stuck on mac or pc, they could create an argument mac vs pc and have great answers giving reasons why they should buy mac or pc. based on personal preference, the person could decide on mac or pc based on certain comments. This site could also be used for fun reasons to see which of something is better or what not. I would make money from selling ad space. This would be a fun site and i would hire an elance person or my cousin to build the site.
I like a lot of these such as the music sharing site, debate site, backup business, job posting site, but im not sure which one is good.
Could any of these ideas make me six or more figures a year? Which idea is better? Which idea should I do? Which idea is the most profitable?
Thanks.
(even if you dont think any of these are good, which would you choose if you had to?)
Thanks again.

Jere answers:
BIG dreams!
I would pick no. 5…
First, you need to quit smoking weeds, wait til you’re 14… LOL!
The rest should come next…
One piece of advice, finish your studies so you can understand better how the world works.
Good luck kiddo!

Nancy asks…
Want To Start Xbox 360 Flashing + PSP Flashing Online ?
hi everyone
i want to start my own online business, well i have made a start to it, i open created my own online shop with oscommerence and installed a theme
i open a bank account and verifed paypal account
i want to offer a xbox 360 flashing service over the internet
also sell xbox 360 backup games
and accessories
also psp flashing and games
i have my own shed space which i have turned into a wee house/workspace with computers etc…….
does anyone think their is a market for this online ???
thanks

Jere answers:
There are some sites that offer it and others who just sell flashed systems on ebay. I would pay for it if it was maybe one of my friends who i could trust.

Jenny asks…
New it Business idea?
i have an idea to creat a business from home it would include an online store for computer upgrades, online storage and backup facilitys including email backup that can be done over the net to restore your computer, direct updates to programs also a facility to buy and have a new copy of windows installed over the net for you and also the ideah of fone and direct remote assistace and haveing the ability to have technitions on call to answer and guide to repair problembs from their own home my question is do you think this is a good ideah and would you pay to use a service like this

Jere answers:
Whoa. Whoa. Whoa. No wonder on one has answered your question…your description is a bit confusing. When describing a business idea you should be able to describe your business in two sentences or less. The less the better; people just don’t have the attention span to absorb the “handful of a description” that you’ve attached to your question.
What really matters is not what people think about your idea as much as how much faith you have that your idea can work. If you really believe in your service or product then you’ll do what it takes to see your ideas come alive. Period.
On a side note…business ideas will come and go; but it’s the people who follow through on them that are successful. So even if your idea isn’t clear; make it clear by doing extensive research. See who’s doing what your’e doing and if you’re entirely new to being an entreprenuer then I suggest you start doing a lot of browsing on line on how to start and run a successful business. Another tip: take seminars and network…and totally immerse yourself in what you want to do.
Otherwise your’e idea will be a hot air ballon. Ideas are great but it takes action to get them done.
M.

Linda asks…
What Lithium Battery should I buy for laptop?
I just bought my first laptop and I want to know what I should do about it’s battery. It can last 2 hours and I was wondering what I should do when it starts dying on me. I also would like to know of any tips to prevent it from dying out.
If I was to buy a lithium battery say from newegg.. would it work in my laptop?
My System Details
PROCESSORAMD AthlonTM 64 X2 Dual-Core processor TK-57 (1.9GHz/256KB)edit
OPERATING SYSTEMGenuine Windows Vista® Home Basic, Service Pack 1edit
PRODUCTIVITY SOFTWARENo Pre-installed Productivity Softwareedit
Dell Recommends
Microsoft Office Basic Microsoft Word, Excel, and Outlook PREINSTALLED!
Upgrade to Microsoft® Office Basic 2007 (Word, Excel, Outlook) [add $149]
WARRANTY & SERVICE1 Year Basic Limited Warranty plus 1 Year Mail-in Serviceedit
Dell Recommends
Mail-in service takes up to two weeks. Upgrade to Next Business Day On-site Service.
Upgrade to 1 Year Basic Limited Warranty and 1 Year NBD On-Site Service [add $19]
LCD PANEL15.4 inch Wide Screen XGA LCD Anti-Glare Displayedit
MEMORY2GB Shared Dual Channel DDR2 SDRAM at 533MHZ, 2 Dimmedit
HARD DRIVE160GB 5400RPM Hard Driveedit
OPTICAL DRIVE8X DVD+/-RW with double-layer DVD+R write capability, Cyberlink Power DVDedit
VIDEO CARDATI Radeon® Xpress 1150 256MB HyperMemory™ (integrated)edit
WI-FI WIRELESS CARDDell Wireless 1395 802.11g Wi-Fi Internal Cardedit
Service
BATTERIES6-cell Lithium Ion Primary Batteryedit
SECURITY McAfee Total Protection for Small Business, 30-day subscriptionedit
ADOBE SOFTWAREAdobe® Acrobat® Readeredit
ONLINE BUSINESS GROWTH TOOLS Free Microsoft Office Live Small Businessedit
My Services & Warranties
DELL DATASAFE™ ONLINE BACKUP No Online Data Back Up Installededit
ON-SITE SYSTEM SETUPNo Onsite System Setupedit
PURCHASE INTENTPurchase is not intended for resale.edit
ALSO INCLUDED WITH YOUR SYSTEM
SOUND OPTIONIntegrated Audio
LabelsWindows Vista™ Basic

Jere answers:
You can’t just go and buy ANY battery … (well I suppose you can … But that’s just stupid) it has to be one that FITS your laptop … And they come in different “cell” sizes … The more cells the longer the charge lasts … You bought a fairly basic laptop … 2hrs battery life is about average
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Your Questions About Business Online Services Group

Richard asks…
How can you get a government grant for a business?
I want to start a business in fort Saint John. I think It would be great to have a home delivery service. People could give you a list of things to buy from a store, you buy them and deliver them. What would you have to do in order to do that?

Jere answers:
It is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for starting a for-profit business.
One possible exception is for companies developing or exporting agricultural goods, including food and forest product. Another exception could be the Small Business Innovation Research (SBIR) or Small Business Technology Transfer (STTR) programs http://www.sba.gov/aboutsba/sbaprograms/sbir/index.html , which fund the research and development of technological innovation that meets specific government needs.
Your best bet actually will be from the states if they offer grant programs for women (or any other special interest groups — minorities, women, disabled, veterans, etc). Or check with non profit organizations, particularly women organizations if they offer grants. Examples include
Iowa Women’s Foundation http://www.iawf.org/
New Mexico Women’s Foundation http://www.nmwf.org/guidelines.html
Even SBA does NOT give out grants. From the SBA website http://www.sba.gov/mostrequesteditems/CON_FAQ2.html
“The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments.”
Nonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov – these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.
Here is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business — THERE’S NONE.
Http://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show
Most of the federal grants are given to specific target groups with specific requirements (e.g. Minority business owners involved in transportation related contracts emanating from DOT – Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program
Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women’s Business Ownership Assistance that are given to those who will create women’s business center that will train women entrepreneurs
For private grants, you may want to check the Foundation Center’s Foundation Grants for Individuals Online http://gtionline.fdncenter.org . It’s a subscription based website ($9.95 per month) but their opening blurb only says that the database is ideal for “students, artists, academic researchers, libraries and financial aid offices.” Entrepreneurs are apparently not one of them, so I take it they also don’t have listings of private foundations who give grants to would-be entrepreneurs.

Thomas asks…
What are some interesting things to do online?
What are some interesting things to do online/Online hobbies?
I do not mean the usual things like youtube, twitter, facebook etc., but something else
I have been playing online games like dragonfable, runescape and grand theft auto online. But i am tired of them all, and i am looking for something new to do.
I would like to hear what you guys out there usually do on the internet (except for facebook and stuff like that.)

Jere answers:
Http://like.fm/
Like.fm learns your music tastes from the songs you play so you can easily tell your friends what music you like, and discover new music from them.
Http://rstat.us/
Microblogging has taken the world by storm. Millions of people around the world now share their thoughts with friends, family, and random strangers every day.
Http://memolane.com/
Capture photos, videos, music, tweets, posts, and much more.View and share your entire life online. Create stories of your best memories together with your friends.
Http://www.tango.me/
Tango brings friends and family closer together by offering free mobile video calling on iPhone, iPad, iPod touch, and Android devices.
Http://yobongo.com/
Yobongo is a place for people to share ideas, talk about what’s happening, and connect with interesting people nearby.
Http://www.stumbleupon.com/
As you click Stumble!, you’ll get high-quality pages matched to your personal preferences. These pages have been explicitly recommended (rated I like it) by friends and other members with similar interests.
Http://omgili.com/
Omgili is a search engine designed to index web-based discussion forums. Omgili’s unique algorithm analyzes forums not as a simple web page, but as an active discussion with a title, topic and replies.
Http://www.toonti.com/
Toonti is a platform that allows you to create your own custom social network,it has a rich set of tightly integrated features and it supports various privacy options.
Http://swimwire.com/
Your single Swimwire page can list and link all your online profiles, making it easier to stay connected. Your free profile can automatically connect with sites such as Facebook, Twitter, Flickr and YouTube to bringing all your social networks together to one place.
Www.tagworld.com/
TagWorld enables you to create your own website and share it with your friends.
Www.experienceproject.com/
www.youfig.com/
www.klostu.com/
www.yackpack.com/
www.yuniti.com/
en.netlog.com/
www.iggli.com/
iggli is a social music network. Listen, share, and mashup music and playlists.
Sixgroups.com/
Six groups enables you to start your own community, about every topic, available to everyone
bliin.com/
bliin YourLIVE! Is dedicated to creating a fluid social network for sharing personal experiences – photos, videos, sound
www.zahdoo.com/
It uses the cumulative knowledge of everyone in its network to intuitively guide each individual user with suggestions.
Www.socialgo.com/
SocialGO lets you easily create and run a feature-filled social networking website.
Www.mixtt.com/
nstead of being centered on individuals, MIXTT is centered on groups. E
www.skout.com/
SKOUT is the social tool that instantly connects you to the people and places around you.
Www.yuniti.com/
YUNiTi goal is to create a central place where you can connect with anyone in the world in every way possible.
Www.experienceproject.com/
It’s a community website that builds custom emotional support andfriendship networks for members, based on who they are, not who youknow.
Http://multiply.com/
Multiply gives you an easy way to share all kinds of digital media, including photos, blogs, videos, music and more, all in one convenient place: your own personal web site.
Www.collectivex.com/
CollectiveX is pioneering a new class of communications and social networking services designed explicitly for organized groups.
Grouper.com/
With one-click, members can add video to their personal pages on MySpace, Blogger, Friendster and WordPress or download to their desktops, iPod and Sony PSP.
Mixxt.de/
mixxt helps you create your own social network. Just as you would like it: Design, features, lots of privacy and many more options.
Www.tuenti.com/
Connect, share and communicate with your friends, co-workers and family.
Explore and engage with local businesses and brands that you really care about.
Www.zorpia.com/
Add unlimited songs to your profile from Music section
www.koinup.com/
Share your virual life: Share your avatars and skills. Tell us your best virtual moments and friends!
Www.fanpop.com/
Fanpop is a place where fans of anything and everything can share and interact with fellow fans.
Www.formspring.me/
Quickly create your own customized box and receive answers and comments. With a simple easy-to-use dashboard, you can publish your responses to Tumblr, Twitter, Facebok, or your blog.
Www.kaneva.com/
Kaneva is the first to integrate social networking, shared media, and collaborative online communities into a modern-day, immersive 3D Virtual World.
Foursquare.com/
www.peoplesound.com/
www.gypsii.com/
shoutem.com/
geomium.com/
www.pinchapp.com/
Send unlimited messages to friends with pictures, locations & unique animations.
Play social games and win prizes

David asks…
How do you create a blog to help out people in need?
I have a group of moms in need all over the us. I want to create a blog for people to donate to these moms, but don’t know what exactly to add to this blog other than their stories. Any ideas?

Jere answers:
– Setup a Paypal Donation button for your blog (http://paypal.com ) in the name of a foundation that you should set up (see http://foundationcenter.org/getstarted/faqs/html/starting_nonprofit.html ) for details. See http://stepbystepfundraising.com/accepting-donations-online/ for other options.
– Utilize Ebay’s donation options. See http://www.ebaygivingworks.com/ns/nonprofit-info.html , http://www.ebaygivingworks.com/ns/about.html , and http://whatgives.com/ . Also, Ebay can be used in helping those needy moms to perhaps setup an online business. Perhaps you can provide tutorials on your site to get them started or setup a program that has connections to your blog & Ebay.
– Improve your blog content to inspire people to take action. See http://www.problogger.net/archives/2009/04/28/call-your-readers-to-action/ , http://www.problogger.net/archives/2008/12/26/why-your-blog-should-do-community-service-work/ , http://www.problogger.net/archives/2007/05/31/donations-on-blogs-do-they-work/ .
– Come up with plan for a donation drive. Something done annually maybe, primarily featuring the blog and other activities. See http://www.sproutonline.com/sprout/greattuckin/get_involved/lead.aspx for general ideas. See http://www.problogger.net/archives/2005/12/06/how-bloggers-make-money-from-blogs/ for some specifics. Particularly, you should focus on sponsorships and affiliates.

Paul asks…
How can I get more targeted followers for my business for free on Twitter?
Everywhere I look on Twitter, everyone’s got 1000’s of followers. I own a small mom and pop type business and I want to start building an online customer base. A business friend who uses Twitter and Facebook said I needed to get on both.

Jere answers:
Hi Jenny,
if you really want to make Twitter valuable, you’ll need to find existing and possible customers. The best way to do this is to use twitter.search.com. I work for a digital marketing group, so my business is obviously a bit different to yours but the methods I use should still be useful.
Think about what sort of things people who can use your business will be talking about -I always try to find people asking quaestions I can help with: As an example, let’s say you have a lawnmower company and want to find people you can sell to.
Go to twitter.search.com and type in a search – you’ll want to use phrases like “How do i”, ” help” ” advice” and (of course) “lawnmowers”. Twitter search understands some search terms (I’ve posted a link at the bottom that explains all this) so your search should look something like this:
Lawn, Mower “lawnmowers” help, OR anyone, OR suggest, OR need, OR how ? -http
(the -http bit will get rid of anyone else posting links to their own business)
hit ‘enter’ and you’ll find people asking for help – you might also want to enter your town name to find local business.
As well as practical things like that, try looking up your competitors and seeing who is following them, as well as local groups that might need your services. Always try to offer extra value, so for instance you might offer exclusive coupons through Twitter or customer service.
I hope that’s helpful – feel free to ask me if you need more specific help:)
Best,
Matt

Donald asks…
What is the most popular small business forum on the web?
I own a small business and would like to bounce some ideas off of other small business owners. I am aware of services like SCORE but I am looking for an online community discussion board. Which is the best and most popular forum on the web?

Jere answers:
Perpetual income program is one i use
lots of people to talk too
linkedin is more like social network with people in business
other than that just serach for them because there are 100’s of them
also yahoo groups is good and google groups
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Your Questions About Internet Business Models

Daniel asks…
where can i find sexy models for new business?
want to sell range of sexy womens clothes (lingerie) from internet shop but where can i find models that is not too expensive

Jere answers:
Put an advert in the paper, local shop, supermarket- Models required to model lingeree for internet store – no experence needed, then put what sizes you would like. OR put a advert in the jobcentre you can phone them and tell them what you want but you MUST pay national minimum wage as far as I know- WHAT HAVE YOU GOT TO LOOSE??

Helen asks…
How do to open an internet modeling site and how much can one make?
I got a friend who is interested in doing this internet modeling stuff. She bears a striking resemblance to the young lady who models on this website, so that’s where we got the idea. Surf here: www.club-tierra.com (first page or two are fairly tame).
After looking at it, and from a purely business standpoint, how much do you think “Tierra”, and other models with similar sites, PROBABLY makes in a year?

Jere answers:
Visions is the best and free they pay you and you dont pay them a cent and you also get to meet famous models actor’s etc.. Visions.com.au if u live in australia :D!

Lizzie asks…
Internet Start-Ups and The Google Business Model.?
Alot of start-ups seem to be still running the internet start-up scams. They some how get the attention of vc’s and the vc’s pump up the company in order to get a IPO to sell out for profit. I noticed that these companies are nothing special. There are alot of sites on the interenet like myspace that are setup better. Youtube for some reason became popular. There are many other sites better than Youtube that existed before anyone ever heard of Youtube. And there is Google. Is Google an advertising company? None of there proposed applications they seem to always be working on pan out and none of there programs are original. There stock is at $500 or something like that. How can you have a stock price that high for an advertising company like Google? There not the first to have a search with matching ads matching search. When analyst and investors realize that it is all hype and fake they will short sell and I will too. What do you think?

Jere answers:
Wound’nt hold my breathe waiting,if I were you.Still what goes up must come down.By which time google will have acquired other outlets

James asks…
Can one reach out to venture capitalists across the country at once with an internet posting?
Entrepeneurs with numerous business models looks to reach out for Venture Capitals. Can this be done in one shot over the internet?

Jere answers:
Try your luck.

Richard asks…
I would like to start internet business and make extra money: How?
would like to start internet business (I spend so much time on the www I might as well use this opportunity to supplement my income) and extra money: Only How? I would like to see if that is possible to get get a investor (sponser) to start. How much can one make if you work 5 hours a day and what is best to do?
Your help will be very much appreciated.

Jere answers:
Presuming you have a specific interest, other then just the “web”, you can monetize (generate money with your interest) this the easiest on the Internet.
There are two major categories you can make money on the ‘net. You can sell a product or service, or you can sell space for advertisement.
Both requires “eyeballs” or individuals visiting your site.
Your product or service, can be anything. It could be a tangible asset (something you can hold like a pencil), intengible (such as a software, or article, or electronic book), or a service (such as translation, or proof-reading).
These products and services will require you to set up, in essence a store front.
You will need to advertise your site on other web sites, and various other methods to drive more and more people to see, or visit your web site. A certain percentage will buy your product.
The other side, is of course selling advertising space on your web site. Your commodity is traffic. The person from the previous example needs people visiting their site, and you have people visiting your site, but no products. So you put an advertisement of the first person’s site on your site – and they pay you a type of comission. Depending on the agreement, it could be making money when a visitor to your site sees the advertisement, clicks on the advertisement, or when the visitor following the advertisement purchases the product or service from the other web site.
As you can see, both sides of the ‘net business model depends on “traffic”.
I have included some links for your benefit.
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Your Questions About Doing Business Online Taxes

Robert asks…
Starting my own ebay online business and questions about paying taxes?
I am going to be starting my own business on ebay and sooner or later going to make my own fitness store website. By my estimate i will be making around 300-600 dollars per month by me estimate. Now my question is what about taxes. I dont want to get in any trouble and so I just want to know what i have to do as far as taxes. I am completely new to this and even paying taxes in general can someone help me out

Jere answers:
Dear kid: If you can claim yourself (not your parents) it sounds like you will be close to a tax liability, but you will have to file Sch C as a Sole Proprietor and have to pay SE tax. Go to www.irs.gov and read Sch C instructions. If you begin to make more money you may want to consider paying estimated taxes (quarterly taxes). Seek professional advice to get started, a free consultation.
This advice was prepared based on our understanding of the tax law in effect at the time it was written as it applies to the facts that you provided. Click on my profile to read more. Errol Quinn Enrolled Agent

Donna asks…
WHO THINKS AMAZON AND ONLINE BUSINESS NEEDS TO PAY SHARE OF TAXES?
I DO AND IF NORMAL RETAILERS LIKE WALMART HAVE TO COLLECT TAXES, THEN SO SHOULD ONLINE!

Jere answers:
THINK ABOUT IT! ! ! ! THINK! ! ! HOW COMPLICATED THAT WOULD BE. EACH STATE, EACH COUNTY, EACH CITY, ETC

Thomas asks…
Taxes on Online Business?
I am 13 and live in the U.S. I am about to launch an online business, do i have to pay taxes or even report the earnings?

Jere answers:
If your income is $400 or more, you must file tax return and pay the taxes. This is irrespective of your ages.
You are self employed. You must file your tax return if your self employed income is $400 or more. You will report your income and business related expenses on schedule C or C-EZ (Form 1040). Then you put net income (or loss) on line 12 of Form 1040. This income is subject to SE tax at 15.3% (this is shown on line 57 of Form 1040).

Michael asks…
Does the government expect people who make handmade items from home to sell online to pay business taxes? ?
I want to start selling my handmade items independenly from home without getting in trouble for not paying business taxes. I don’t plan to register as a business.

Jere answers:
You would report your income as pay income tax not business tax

Carol asks…
How do I legally run an online business?
I am looking into starting a retro video game business online, but I wanted to know if I need to register my business, and if so, how? Also, how do taxes work for online stores and selling used products?

Jere answers:
Contact H&R Block, those people can answer any questions you have.
Good luck with your online store.
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Your Questions About Email Marketing

Mandy asks…
What applications do most people use for email marketing?
Many freelance web designers also do email marketing for their clients.
Mailchimp and Aweber are two well-known web-based applications for email marketing.
Are there any other good alternatives you know of?
Thanks in advance.

Jere answers:
Besides those you’ve already mentioned, in web marketing particularly email marketing, other apps used include iContact, Emma, Constant Contact, and Vertical Response.

Joseph asks…
How to start my company’s email marketing campaigns?
Our company recently prepares to start email marketing campaigns. There is so many email marketing service provided online. I want to know which one is much better? There are also lots of email marketing software. Which is better for our company had about 6000-10000 subscribers?

Jere answers:
I’m not too familiar w/ email marketing, but I assume that a large percentage of emails that people get go unread. Has your company done any online advertising? Online marketing is the trendy thing to do nowadays, whether through social media sites like FB or Twitter or through online listing websites, you can really expose your business to the right consumers. The best part about online marketing is it’s free, if done correctly.
Create a Facebook page for your business to increase awareness. Also, you should list your business online, specifically on websites that direct users to local businesses in their area. Zipzoom.com is actually a pretty cool online service; it is an online shopping website where users/customers can search for local businesses that offer products and services ranging from babysitters to electricians to flowers. Users can communicate directly with businesses they choose to buy services/products from after getting recommendations from zipzoom.com, and from there, your business can gain business. Usually, I believe they charge vendors for signing up, but since they’re new, they are offering a special promotion for vendors who are interested: register as a vendor for free. It’s a good option for those who are on a tight budget but still need exposure to grow their business. If this is something that appeals to you, you should just try it out and see what happens.
Online advertising through social media is just a suggestion. Who knows? Your company may have better luck w/ email marketing. Good luck.

Susan asks…
What does it mean by list in email Marketing? what is email marketing ? And how to do it?
What does it mean by lists in email marketing and where to get them from. what is email marketing all about / How to do it . Is sending emails to chambers of commerce through gmail or hotmail called email marketing.

Jere answers:
List building helps facilitate the process of converting subscribers into active customers, since once your prospect has been added to your mailing list, you are able to develop a relationship with them by communicating with them directly through your follow-up email broadcasts.
In truth, there is no faster or easier way to maximize your online income than with a relevant, targeted and responsive mailing list. You can get 10x the work done in half the time when you are able to instantly touch base with a built-in customer base, who are interested in specific topics or niche markets.
For example, with a mailing list you can simply create broadcasts that go out to your entire subscriber base that feature a blend of high quality information and content with promotional based offers and promotions.
You can then include affiliate promotions for products and services that are relevant to your list, but more importantly, you are able to generate feedback, tap into your market in such a way that you know exactly what they are interested in receiving and what they are most likely to respond to.
Imagine the potential when you have an active subscriber base, right at your fingertips. You can email them any time you like, with fresh offers, high quality content and valuable resources that work towards helping you establish yourself within these niche markets, while building a solid relationship with your subscriber base.

Ken asks…
How do I make good email marketing templates?
I need an excellent email marketing services!!!
Do you know some web page tath can help me?
Thanks for your time…

Jere answers:
Hi buddy check out this article, i think that it can help u http://www.bannerhero.com/Blog/post/email-marketing-templates.aspx

Helen asks…
what marrketing technique is more effective than email marketing?
I get a high conversion from email marketing, about 15% Try other methods like ppc and loss money. Email advertising is so effective, but spam blockers are preventing my message from going through and i am fed up, so I am looking for another method.

Jere answers:
You haven’t disclosed your business so I don’t know what your limitations are. That being said I’ve never heard of anyone getting a %15 conversion from any advertising so whatever you are doing is working. If you want to try another area you can work affiliate marketing. Done right it can be very effective (no where near %15 though). If you are a local operation networking, advertising specialties and publicity works quite well.
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Your Questions About Direct Marketing Definition

Charles asks…
Does The U.S. Have an Imperialist Foreign Policy?
By definition no they do not. You can’t be considered imperialist if you don’t use satellite countries to your direct economic advantage. For instance, if we HAD taken Iraqi oil from the Iraqi’s, THAT would be imperialism. But, since the U.S. does not employ these tactics, the country is showing something different entirely.
The U.S. recognizes that global stability is in the direct interests of the global economy, and what’s good for the global economy, is good for the U.S. That’s why a stable democratic Iraq with a free market economy benefits the U.S.
In short, the U.S. doesn’t want to steal Iraqi oil, the U.S. wants to be able to buy Iraqi oil on the open market.
But perception is reality. What do ya’ll think?

Jere answers:
I copied & pasted “That Guy” answer because it is close to my thoughts and he is correct. Why waste my time restating it. -Good job
The only thing the US has ever taken after a war is enough land to bury our dead.
Imperialism is about taking what you can and holding onto it. The US doesn’t do that, we try to right injustices and keep evil at bay, and then leave. Unless asked by others to stay and help to defend them, as with Germany, Japan, S. Korea, Saudi Arabia, Iraq, etc. When they ask us to leave we will.
18 seconds ago
0 Rating: Good Answer 0 Rating: Bad Answer Report It Sorry, you must be Level 2 to rate
I also agree with shatnerp.

Nancy asks…
Was the claim Obama was a radical socialist who wanted to nationalize private businesses largely a myth?
After 2-and-a-half years in his presidency, Barack Obama has actually left business and industry mainly under private ownership.
Regarding his health-care reform law, it has not (so far) abolished private health insurance.
As for the GM and Chrysler auto companies: General Motors used to be 61 Percent owned by the U.S. federal government, but the feds sold a large share of GM on the stock market in late 2010, reducing the share to 33 percent. As for Chrysler, the federal government (at most) owned only 9 percent of that company, and this year actually complete divested it’s small stake in Chrysler.
Socialism strictly defined as direct government ownership of business and industry. A more broad definition of socialism would include redistribution of wealth by taxation and public-spending policies.
Communism and Marxism are defined as extreme forms of socialism in which private enterprise is totally or near-totally abolished.
Rather than called President Obama “communist” or “Marxist”, why not call him a “wealfare statist”, “social democrat”, or “very mild socialist”?

Jere answers:
TARP (Corporate Welfare) was Obama’s biggest blunder.
Oops. That was Bush/Paulson. My bad.

Donna asks…
help please with geography!!!?
8. Match the government term in column 1 to the definition in column 2.
(Points : 1)
Answer Potential Matches:
: Decolonization
1 : Economic system based on free markets and private ownership
: Capitalism
2 : Groups that disagree with each other
: Single-party rule
3 : Only one political party is allowed by government
: Factions
4 : Former colonies governing themselves
9. Match the definition in column 1 with the government term in column 2.
(Points : 1)
Answer Potential Matches Sovereignty is exercised by an assembly of all of the citizens.
1 : Presidential republic
: Executive branch is elected separate of other officeholders.
2 : Proportional voting system
: Executive branch members are chosen from legislative branch.
3 : Direct democracy
: Parties are voted for rather than individual candidates.
4 : Parliamentary democracy
10. Do you know how governments maintain power? Match the term in column 1 with the concept in column 2.
(Points : 1)
Answer Potential Matches:
: Divine right
1 : God has picked the people who rule.
: Totalitarianism
2 : Do what the government says, or you will be harmed.
: Fear
3 : This government is the only one that can make things better.
: Ideology
4 : People’s lives are controlled by government.
11. How well do you know the language of Communism? Match the term in column 1 with the definition in column 2.
(Points : 1)
Answer Potential Matches:
: Bourgeoisie
1 : State ownership of the means of production
: Proletariat
2 : Exploited working class
: Communism
3 : Rich property owners who exploit the working class
: Socialism
4 : Political doctrine of social and economic equality and cooperation

Jere answers:
Try using google to read each word’s definition, or maybe wikipedia.
For example, when I googled “capitalism definition” I clicked on the “merriam-webster” link and got:
“an economic system characterized by private or corporate ownership of capital goods, by investments that are determined by private decision, and by prices, production, and the distribution of goods that are determined mainly by competition in a free market”.
This is not difficult to match to one of the definitions, right?

Robert asks…
World Geography ?????’s NEED HELP! im failing the class :(?
Time Remaining:
1. What is sovereignty?
The power exercised by a police state or other repressive government
Exclusive power to determine political, economic, and social systems
When other governments recognize someone’s right to rule
Power that is recognized as legitimate by the people
2. Match the description in column 1 with the term in column 2.
Matching:
Answer Potential Matches:
: Control of people
1: Authority
2: Nation-state
3: Power
4: Legitimacy
: Recognized right to rule
: Power recognized as legitimate
: People in a territory ruled by sovereign power
3. Which of the following are characteristics of a state?
Check all that apply.
The land is populated with a group of people.
There are at least 500,000 people.
There is power over the people.
There is a government ruling land and people.
4. Which of the following statements about political maps are true?
Check all that apply.
They never show any physical features of land.
They may show how areas are broken into countries and states.
They will show capital cities, major cities, and large lakes or rivers.
They are the most common type of map.
5. Power and legitimacy existing together in a state is defined as _____.
power
democracy
authority
sovereignty
6. What is the most common political unit in our world today?
Aristocracies
Oligarchies
Sovereign nation-states
Single-party rule
7. The ancient Athenians developed the first form of democracy, called:
direct democracy.
representative democracy.
indirect representation.
the Great Charter.
8. Match the government term in column 1 to the definition in column 2.
Matching:
Answer Potential Matches:
: Decolonization
1: Economic system based on free markets and private ownership
2: Groups that disagree with each other
3: Only one political party is allowed by government
4: Former colonies governing themselves
: Capitalism
: Single-party rule
: Factions
9. Match the government term in column 1 to the definition in column 2.
Matching:
Answer Potential Matches:
: Parliamentary democracy
1: State ownership
2: Democracy where executive branch members are chosen from legislative branch
3: Sovereignty exercised by assembly of all of the citizens
4: Executive branch is elected separate of other officeholders
: Presidential republic
: Communism
: Direct democracy
10. Do you know how governments maintain power? Match the term in column 1 with the definition in column 2.
Matching:
Answer Potential Matches:
: Totalitarianism
1: Claiming a god-given right to rule
2: Claiming to be the only group capable of doing right
3: Maintaining absolute control over the lives of the people
4: Keeping citizens in line through fear and violence
: Ideology
: Divine right
: Fear
11. How well do you know the language of Communism? Match the term in column 1 with the definition in column 2.
(Points: 1)
Matching:
Answer Potential Matches:
: Bourgeoisie
1: State ownership of the means of production
2: Exploited working class
3: Rich property owners who exploit the working class
4: Political doctrine of social and economic equality and cooperation
: Proletariat
: Communism
: Socialism
12. How do nongovernmental organizations contribute to society?
Check all that apply.
Fill gaps between government-provided services
Minimize police corruption
Provide assistance to enhance education, health care, and many other services
Help everyday citizens make a positive impact
13. How does a representative democracy differ from an oligarchy?
Check all that apply.
Only a few people directly exercise political power.
People elect the small group in power.
Almost anyone can run for office.
Government positions are open to many people.
14. What is a typical result of the existence of clans and tribes in a given territory?
Nationalization
Unification
Ethnic tension and conflict
Large-scale change and merging of power
15. What often happens when there are attempts to unify groups in places that have culturally traditional governments and deeply rooted tribal and ethnic divisions?
Check all that apply.
Violence takes the place of diplomacy and peace.
Leaders resi

Jere answers:
1. Exclusive power to determine political, economic, and social systems
6. What is the most common political unit in our world today?
Sovereign nation-states
7. The ancient Athenians developed the first form of democracy, called:
direct democracy.

Ken asks…
Rant about the voters of America?
Something I’ve noticed in my time here in America is that the voters often think of Democrats as “DAMN SOCIALISTS” or “DAMN COMMIES,” whereas the Republicans are the greatest thing ever. I read a Yahoo! writer once refer to Obama as a Marxist. According to Marx, communism’s outlook on freedom was based on an agent, obstacle, and goal. The agent is the common/working people; the obstacles are class divisions, economic inequalities, unequal life-chances, and false consciousness; and the goal is the fulfillment of human needs including satisfying work, and fair share of the product. Does that necessarily sound like Obama’s ideals?
As for Democrats somehow being socialists, the definition of socialism is “Socialism is an economic system based upon production for use and the direct allocation of economic inputs to satisfy economic demands and human needs (use value); accounting is based on physical quantities of resources, some physical magnitude, or a direct measure of labor-time.Goods and services for consumption are distributed through markets, and distribution of income is based on the principle of individual merit/individual contribution.”
YES, WE ALL KNOW THAT DEMOCRATS WANT THERE TO BE A DISTRIBUTION OF WEALTH!!!!!!!!!!!111111111111111111111oneoneoenoenone
As for Obama, he’s on the right, but he’s Authoritarian. Many, if not all, of Obama criticizers don’t even consider the social scale before calling someone a liberal or a conservative. Hell, most don’t even call liberals liberals, they usually call them “DAMN COMMIES.”
Now, for those who are too lazy or bigoted enough to read this, here are cliffnotes;
Obama isn’t a Marxist
Obama isn’t socialist
Democrats aren’t socialist (usually)
Democrat isn’t interchangeable with liberal
Republican isn’t interchangeable with conservative.

Jere answers:
You can’t really blame these poor people though. They get all their information from Fox News.
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Your Questions About Business Online Banking

John asks…
Is it possible to start an online retail business without any money?
I can design my own website and use PayPayl or eBay to process orders. But how can I start up an online retail business without a bank loan, during a time when banks have stopped loaning to consumers?

Jere answers:
Besides the SBA, look around for microlending organizations in your community. Many of them receive funding from the SBA, and can help you develop a business or marketing plan. The loan amount are small, but for the kind of business you’re talking about, it may be enough.
Good luck!
Pamela Johnson
http://www.SewingMachineRepairing.com
(also a community college business instructor)

Susan asks…
I want to open an online business, can I open up a business account with banks or credit card companies?
Also I need help with what I want to sell. I want to sell online items and not sure how to go about it. What do I do?

Jere answers:
You can open a business account with banks, but it will be harder to convince them and/or a credit card company to give you a line of credit until your business is proven a bit more. Its not overly hard though 🙂

Charles asks…
What is the most basic version of quickbooks that allows online banking?
I run a small business and have been told/suggested to get quickbooks by my accountant. I also would like to use it for my online banking. What is the most basic/cheapest version to buy?

Jere answers:
QuikBooks Pro..
The Enterprise version is 2-3X the version listed above. Either version is a SUPERIOR product

Carol asks…
Will my cheque show up on my online banking account when cashed?
I am sending a cheque to a U.S business and was wondering if it will show up on my Scotiabank online banking account?

Jere answers:
Yes it will show on the online banking but it might be a little delayed.

Mary asks…
What are some things I need to do to start and Online business ?
My 2 friends and I want to start a business designing funny shirts and stuff. What do we need to do?
Besides like the domain name..
Getting the payment method set up
stuff like that…
Do we need a license ?
How do we open a business bank account ?
Thanks guys.. I’m no good at this so anything will help..

Jere answers:
Get a business license at city hall and take a copy to the bank to open a business account.
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Your Questions About Business Online Services

Charles asks…
I have$25,000 and I want to start a business?
What kind of business should I start with seed capital of $25,000.
My friends told me an online business would be great. Do anyone have any suggestions? My friends said providing a service business online is the best……meaning something like some kind of reservation, or cost comparison business they seem to be hot.
Any input concerning online or off line business is welcome ..thank you!

Jere answers:
Anyone who says “Online business has Bad ROI is point blank stoopid”.
Anyways your friend is right. Service business online is one of the best ways. The best about this business is you can take it offline if you started out online or vice versa.
25000 for online business is too much.. I advice you to invest wisely if you are starting online(like on monthly basis and check your results and profit).
Most online business has low cost start ups. Just don’t be fooled by website designing companies that’ll guarantee top placements in google, yahoo for your site. They’ll suck up your 25 grands in no time.
This is the start up cost for online business
domain name : $10 a year
Hosting : $5-10 a month ($60-$120) a year
Website design : You can get a decent design for $100 at elance.com
thats 230$ for first year. Now all you need to do is to spend some of your money wisely on advertisements. I suggest $5-10 a day. If you make profit from spending $5-10 a day.
Start investing more in advertising as long as your profits margins are good & increasing.
Here’s Best Idea: If you are starting an offline business… Invest $230 more in building a website for that offline business and promote your business online and offline both.

Maria asks…
Setting up various online businesses in the UK?
I currently have a full-time job and am also registered as self-employed which allows me to sell online services (web design & hosting) in my spare time.
I’m looking into pursuing several other online ventures in different areas but have no idea how this should be achieved.
Would it be possible to setup a single limited company, and then trade under various different names for my different businesses?

Jere answers:
Think about what’s easiest for your prospective customers. Will they understand that the company that they buy their web design from also sells self-help books, say?
We tried running our training and consultancy business under the umbrella of our limited company that provided professional photography and art. It’s hard to divide your webiste up into the different cost centres so that people arrive at the bit they’re supposed to. And they’ll always have a look round the rest of the site. In the end, we split them into two separate businesses.
If there’s a logical link between the products and services you offer, it will work. You need to register the different SIC codes at Companies House that show what your limited company trades in.
As has been said elsewhere, a good accountant will explain to you the tax advantages and disadvantages of keeping everything in one company. They’ll explain about related companies, too, where, if there are obvious links between the companies, you may only be eligible for one set of tax reliefs.
Setting up a limited company needn’t cost you more than £50 if you do it yourself. It’s not hard to do. You’ll have to do an annual return for each one, which costs £15 on-line, and present annual accounts to Companies House for each company. That has implications for accountancy fees but a reasonable accountant will do you a deal for doing accounts for however many companies you have. It’s all business that they don’t have to go looking for.
As you have a full time job, work out what time you have available to run each of your businesses before launching them. If you’re able to outsource some of the work you’ll be able to do more.
Good luck!

Robert asks…
What should be the ratio of income to mortgage loan amount to make sure I am approved?
I am looking at buying a property for 180,000. This is my first home and I can put down only 5-10%. My salary is 55,000 per year and I have a small business online that generates 20,000 per year. The property is a 5 unit apartment complex with all units currently rented and producing 2380 in monthly income currently. The total costs involved in the property if I were to own it would be 2000 per month. Should I get approved for the loan?
I have good credit but I am not sure what the rule of thumb is for a mortgage loan amount and its ratio to my income. Anybody with home buying experience that can give me some insight?

Jere answers:
Typically lenders want to see your mortgage payment no more than 28% of gross income and total debt service of less than 35% of gross income. Generally a lender will look at a 5-unit building as an investment, not a home, even if you are living there. This will tend to tighten the lending criteria and raise the interest rates a bit.
Self-employment income generally isn’t considered until you can prove 2 or more years of regular income from the business.

Paul asks…
Want to start my business as a Social Media Manager?
I want to start as a social media manager.I am looking for clients who wants to build their business online and who has minimum 2000 customers. I am focusing on retail business,hotels etc where there is a continuous effort to get new customers and to retain existing customers with new offers.Initially my service will be free.
Where should I look for such clients?

Jere answers:
Linked In maybe? The Ladders? What are your qualifications?

Ruth asks…
What software can I use to run a very small travel agency?
I like to sell air tickets and hotel reservations. I use online services like travelocity, airlines webpages and call centers. This tools dont offer me the flexibility to perform changes to reservations or extend the due date of the reservation. So i need an online software that gives me the flexibility to manage this reservations. I have heard of Sabre and Amadeus, but i think they are too expensive for me right now. Any advice?

Jere answers:
Go to microsoft.com and review their small business software. It is directly compatible with MSoffice, and has a trial version for download.
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Your Questions About Internet Business Phone Service

Thomas asks…
Our business records phone calls for customer service. Does the web site privacy policy apply to calls?
Like a lot of businesses, we record customer phone calls to ensure quality. We use a third party to handle the monitoring and there is a debate internally as to weather we need to append our Internet privacy policy to reflect this, or not. Some say yes, others say phone calls are technically covered by a website policy. Any advice or suggested references I might be able to check would be appreciated.

Jere answers:
The website privacy policy has nothing to do with the phone policy — it’s apples and oranges. In most states, you’re required to disclose that the call may be recorded prior to starting the call.

Nancy asks…
who hates having to buy internet as a requirement for phone service?
i do
but hey u agree its a good business stategy.
marketin 😛
no i mean like certain phones in order to have them activated ur required to pay the internet for them…
and they are not smart phones.
just regular phones like mv3!! its carazy! i tell ya.
*verizon <3 lol

Jere answers:
I use an android phone so it’s worth it, but I think is a load of crap that my wife’s phone if she bought it today (enVtouch) would need data because it is considered a 3g phone and all 3g devices are required to have data now….

Helen asks…
Is CBeyond worth it as a small business internet/voice provider?
I work for a small law firm with about 7-12 people on a daily basis. We’re considering switching to CBeyond, who will provide us 3 T1 internet service (4.0 mbps) and phone service. I’m trying to do as much research as possible before we make the switch. Has anyone had experience with this provider? Good…bad?

Jere answers:
They are a good provider, but I’d make sure I got a whole bunch of different quotes for the T1’s and business phone package before I signed on the dotted line. Make sure you get at least 3 quotes, from different providers, then come back and ask us to compare the offers you’ve received, that will make it easier to tell you who to go with.

Lisa asks…
Looking to start a business in Boston area – need advice on reliable telephone and internet companies?
We are opening up a branch of our office in the Norwood, MA area. I need to set up the office with internet and phone service. Does anyone know of any companies that are reliable?

Jere answers:
I would go with Verizon Business FIOS and phone service if it is available in Norwood, but if Verizon is only offering DSL internet in Norwood, i’d go with Comcast, as their cable internet is much faster than Verizon’s DSL and their phone service is reliable as well

James asks…
Can you get Residential DSL service from Qwest for Business (office space)?
Me and my partner are looking for DSL Internet service for an office space. We noticed that Business service is substanitally more money and our business doesn’t need crucial Business Services (quick response etc…) We are willing to go a day or so without Internet; no big deal… I noticed I go through the Qwest checkout process online for Residential and our address shows up correctly (It is Commercial/office space)… What does setting up DSL entail? We won’t have a phone number, just Internet service… Any ideas…
What other options do you recommend? It seems I only have Qwest or Comcast… Comcast doesn’t have service their either..

Jere answers:
Please, for your own sake do not get qwest internet, I dread choosing qwest ever day
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Your Questions About Doing Business Online Malaysia

Chris asks…
How to complain about an online seller?
I wanted to buy some dresses from one of the online sellers from Hong Kong. At first, the seller thought I was from UK and was very nice to me until I told them that I was actually from Malaysia… since then, their email to me became cold and brief. I courteously asked the seller whether there was any exception to one of their terms. The seller rudely answered me that no exception to even big customer, not to mention small customer like me, and said that they would delete my profile as they did not want my business. I was angry with the way they answered me but couldn’t do anything. Other than asking all you friends not to buy from them, what would you do if you were me?

Jere answers:
Yes i can understand your anger towards the sellers
you can complain to them through the report abuse
tab at the end of your question.good luck

Ruth asks…
International Business?
Hi,
I am doing a country profile for my International Business course in high school. The country I chose is Malaysia.
I have to write one or two paragraphs describing the history of Canada’s (because I am in a Canadian high school) trade relations with Malaysia.
I did some research but there isn’t much info online. I was hoping if someone could help me with info they might have on this topic. I’d really appreciate it!!

Jere answers:
Hi dear
visit these links for the answer
http://www.canadainternational.gc.ca/malaysia-malaisie/bilateral_relations_bilaterales/canada-malaysia-malaisie.aspx?lang=eng&menu_id=8&menu=L
http://en.wikipedia.org/wiki/Foreign_relations_of_Canada
http://www.fin.gc.ca/treaties-conventions/Malaysia_-eng.asp
http://www.ftamalaysia.org/article.php?aid=58
good luck
:o)

Paul asks…
Where do I go to get married in Kuala Lumpur, Malaysia?
Salaam and greetings to everyone reading this. My wife to be is from Australia and I’m from India. We have met through an online dating service and we have decided to get married. However, it takes a long time to process an Australian visa from India and therefore we have decided to be in Malaysia and get married there preferably in Kuala Lumpur insha’Allah next month. Please note, we both are Muslims and we would want to get married at a Masjid or somewhere Islamically by a Sheikh or an Imam who is eligible to perform this marriage. We don’t know anyone in Malaysia and therefore we will have to find 2 witnesses from there to validate the marriage.My request to all of you here who is aware of where and how marriages are conducted in Malaysia to inform me so that we can get married without any hassle insha’Allah. I would appreciate if any Muslim brother or a sister from Malaysia can give their thoughts in this matter. Jazakallahu Khair.
P.S: I have to be in Malaysia next month for business purpose and my family would not accept me marrying a non Indian even though she’s a Muslim and that’s why we want to get married in Malaysia as I will be there next month anyways.

Jere answers:
I am confused. It makes no difference where you get married – your visa is going to take just as long to be processed. Whether you are married in India or Malaysia it will take just as long. You will have to part post wedding, she will have to return alone to Australia – getting married does not give you automatic entry to Australia. So I am unsure why you are wanting to get married in Malaysia?

Mary asks…
I have appointed as a Production manager in PETRONAS Petroleum, Malaysia and I want to verify the appointment.?
I have appointed as a Production manager in PETRONAS Petroleum, Malaysia and I want to verify the appointment letter. How I can do this. Before 1 month I had applied for this job after that I’d received an online interview form after that I’d received an online questioner. Now I have got selected a a Production manager in this company. I have 2 years of work experience and currently I am working as Asst.Manager-Sales in a steel manufacturing company.
The appointment letter I am showing you for your kind review.
Petroliam Nasional Berhad (PETRONAS OIL COMPANY)
Tower 1, PETRONAS Twin Towers
Kuala Lumpur City Centre
50088 Kuala Lumpur,
Malaysia
CC – Human Resource Department
Telephone: +601-660-852-31
3-10-2009
Job Ref: ARI67/#####
Position Reference: My Name
We refer to your earlier forwarded application CV / Resume for job engagement with relations to the (PETRONAS OIL COMPANY) of Malaysia.
On the above subject matter, (PETRONAS OIL COMPANY) of Malaysia management hereby congratulates you on your successful emergence based on detailed recruitment by our recruitment manager; Dr JONATHAN MICHAEL Further details are as follows:
DESIGNATION: Production Manager
MONTHLY SALARY:
USD $9,800.00 (Nine Thousand Eight Hundred US Dollars only) monthly/take-home (After tax), Sterling or Euros equivalent depending on home country and currency preference.
BENEFITS:
Travel Insurance, Medical Insurance, 5 Bedroom Flat Duplex, Free Education for your children both Home and Abroad (If Any), Free private Toyota Camry 2007 with Five years Experience Driver and 10 to 15 Days Break / Leave after every 90 Business Working Days in the Company.
JOB LOCATION: Head office Kuala Lumpur, Branch (Malaysia).
JOB DURATION PERIOD: 24 Months (2 Years)
START RESUME DATE:
You shall be expected to resume on site latest by the 3rd NOVERMBER 2009.
Herein, you have been forwarded employers’ prototype of contract terms and conditions via e-mail (Attached) for your perusal and digest; on your satisfaction and agreement with terms and response, you shall be expected to start your job processes and will be sent hard copy of contract document through the DHL courier services for endorsement via your Local Representative. Agreements will also be signed during the job processes.
JOB PROCEEDING/REQUIREMENT
All employees successfully screened and recruited to resume employment at this new (PETRONAS OIL COMPANY) (And not presently possessing a valid Malaysia Visa Residence and Work Permits Clearance Papers)
COMPANY EXPENSES
(PETRONAS OIL COMPANY) will shoulder Air Ticket Fee only, while Employee/Expatriate shall be expected to personally incur only the Visa Residential/Work Permit requirements.
Procurement and acquisition of their necessary permits clearance papers with the Malaysia Immigration Services and shall be duly reimbursed and will be substantiated with receipts and the employer will be reimburse 2 months upfront salary, employee not later than Five (5) working days after submission of Employee’s expenses report and receipts.
You shall be required to furnish us with your valid Malaysia residence and work permits papers on before 10 working days as a proof of readiness to join the (PETRONAS OIL COMPANY) team in the due time as stipulated above for your job resumption with the (PETRONAS OIL COMPANY) of Malaysia and also to enable you receive your first monthly salary including your due entitlements/emoluments prior to your departure for services with the (PETRONAS OIL COMPANY).
However, for expatriate services employees who do not presently posses their valid Malaysia residence and Work Permits papers, they are to make contact with the address given below for directives and assistance on the acquisition and procurement of their valid residence and work permits papers with the Malaysia Immigration in Malaysia
CONTRACT TERMS
PETRONAS OIL COMPANY shall employ the employee for a 2 years Contract term with Full furnished Accommodation for you and your family (if any). This contract will commence from the agreement date.
At the end of this period the both party may agree for the extension of the contract. In case of termination of the contract in advance both parties agreed for the PETRONAS OIL COMPANY must give 2 weeks notice of termination in writing.
The PUBLIC BANK OF MALAYSIA must give the Employee 4 weeks notice if the service is no longer be required. Should the employer terminate the agreement, Employer agrees to pay all wages up to and including employee’s last day of work.
After signing this contract letter, proceed by sending a scanned copy to (Barrister.

Jere answers:
Many people ( almost all were Indians ) have asked the exact questions here before this and all the answerers here answered negatively to their questions.
NO COMPANY will ever hire a Manager with such high salary without meeting that person face to face. This itself should let you know that it’s a scam.
Petronas is very much aware about this scam to the extent they even put up warning in their official website. Go to this link ( their official website ) and click ‘SCAM’. Read the contents there and you’ll know that you have been scammed.
Http://www.petronas.com.my/internet/corp/centralrep2.nsf/frameset_home?OpenFrameset

Donald asks…
FRAUD BUYER ONLINE PLEASE BEWARE!!!?
Hi All,
This is warn everyone who are also in “Buy and Sell” business thru internet.
Be aware of this no. 0015163994972 (actually this is an international number) from people who are pretending to buy something from your post merchandise and then eventually ask for the amount and more … the bottom line is they are scam using fraud emails pretending to be a buyer and at the same time BANK.. especially they were using CITIBANK as their front. below are the samples of their emails:
from: Mack Jones
Hello i am Mr Mack Jones from United State Of America how are you today and how are your families ? hope all is good ? well i am interested in buying the item for my daughter because it my daughter that need it and i hope she would like it , so kindly get to me with the total cost of the item including the shipping cost to her address below with post office i pay through either Paypal or Bank transfer ok reply soon.
First Name :Rossy
Last Name-Sean
Address :4-9 kinask house cheras
State : Selangor
Zipcode : 47100
Country : Malaysia
Thanks and have a blessed
day
*****
from: CitiBank Group Of Company
.ONLINE PAYMENT TRANSFER OF FUNDS.
Congratulations !Congratulations !! Congratulations !!!
Dear Valued Customer,
This acknowledgment sets forth certain terms upon which Mr Mack Jones is interested in acquiring some Items and he transferred the Total Amount of PHP-15,591.00
Transfer Number : 1Z3578I438995KLL
SWIFT CODE-090.
.
Below-Noted Name and Bank account there in.
Bank DETAILS
Bank Name
Bank Account Holder’s Name
Item Description
Buyer’s Name
Status
Buyers Location
Date
of
Transaction.
ITEM ON AUCTION.
Mr. Mack Jones
Paid
United State Of America
Date:2012
Your Payment has been Processed Successfully on your behalf and it remain the final process to Transfer your money into Your Bank Account, but before this we will need the Shipping Service Shipment Tracking Number of the item before we can activate your bank account .
Buyer’s Shipping Address
First Name :Rossy
Last Name-Sean
Address :4-9 kinask house cheras
State : Selangor
Zipcode : 47100
Country : Malaysia
Please do allow 24 to 72 hours to activated your bank account after verifying the shipment of the item to the buyer.
This is how we work things out here,Concerning the payment for goods and we do hope you will understand us well and comprehend with us about our form of payment to secure both the buyer and seller interest from any type of risk and fraudulent practices that is very rampant via online transactions.
OUR TERMS AND CONDITIONS
We write to inform you of the readiness of this bank to make the transfer as soon as the shipment is made and verified .
We urge you to please send to us the Shipping Service scanned receipt of this shipment for a through verification.
* THE SCANNED RECEIPT*
This scanned receipt must be digitally snapped and sent to the customer care department of the Bank.
The scanned receipt serves as a reference for the Accounts Department of our Bank .
The receipt number occupies a space on the form for the transfer of the payment to the bank account sent to us by the payee to the Accounts Department.
*VERIFICATIONS*
We verify the genuiety of the Shipment due to the high rate of fraudulent acts on our internet transactions.
It is the duty of this Bank to confirm the genuiety of the Shipment Because most of our users have been scammed in one way or the other by our negligence.
We have introduced many ways by which this scams and frauds can be reduced in our daily transactions…
*DATE OF TRANSFER*
Normally, Items are Shipped after the conclusion of the bank with the necessary verifications and processing of the transfer,This takes about 24-48 Hours .
However, The Bank Concludes and Transfers Payments under 24 hours in a situation whereby the Transfer Processing have been concluded with.
Bank…………………..Designed To Serve You More Better !!!
Regards ,
***ATTENTION***
The order has been APPROVED, you CAN NOW ship the merchandise to the buyer’s shipping address. You are expected to make the shipment with 72 hours of receiving this Transfer Payment Approval Notification and get to our Transfer department/Technical Dept. by (customerhelpdept@usa.com) with the tracking number for Shipment Verification.
THANKS FOR USING CITI-BANK® ONLINE TRANSFER.
Managing Director
FOR MORE INQUIRIES CONTACT (+1) 434 322 0772
customerhelpdept@usa.com
***********************
PLEASE BEWARE!!!

Jere answers:
Thanks for posting up the information on that scammer.
Making a scammer’s scam googlable on every scam-warner-anti-fraud-busting site you can find is a great way to slow that scammer down when a suspicious potential victim goes looking for information, finds your post containing the name the scammer is using, his email address, phone number and the emails themselves and then that potential victim does not become a scam victim because you took the time “get the word out”.
Wasting a scammer’s time legally and safely is called “scambaiting”. If you google that word, you will find sites where you can read scambaits, post up the emails and email addresses of scammers, post up a fake website, read up on how to alert a hosting company that they are hosting a fake website, ask questions and learn all about the hobby of scambaiting.
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Your Questions About The Real Biz

Sandy asks…
I want to put my beachfront rental homes on Google. How do I do this?
My friend has a different business and she says they just ask; How much do you want to spend in one month? She filled in $300 and her biz has doubled so now she’s thinking of going to $600 per month.
Anyway, how does this work? What is she talking about?

Jere answers:
Google Maps pulls realty listings from major real estate sites. If you go to http://maps.google.com and put in an address of a house that you know is for sale/rent and it’s address is listed on a major realty website, you may see the listing.
However, you may be asking about Google AdSense? You can read more about that here: www.google.com/adsense

Chris asks…
What is a high-paying job for a business-like person who lies in the country?
For my book…their family lives in Kentucky, and the father is a real-estate agent, but the mother doesn’t work and I realized that the dad should have a better-paying job to support his family.

Jere answers:
Dear Soccergurrlie13,
High-income is just what some Internet-based businesses routinely achieve. Let me share:
My research of 3 years yielded the following results:
It is true that work at home – through the Internet will likely not yield any “pay-by-the-hour jobs” that earn you an income. When you consider work with or through the Internet you need to consider “owning” or having your own business, in which you are the proprietor. Now, having said that, besides the scams that you have to watch out for, there are also a fair number of online businesses that offer a high income for those who learn how to work them. Generally speaking, pursuing your own business requires a different mindset than the 9 to 5 job. In some senses you set your own limits both as to time spent as well as income achieved. To achieve takes work, and usually it’s not difficult.
Any business requires some investment. If you were opening a hair salon in Philadelphia or Chicago (USA), you’d pay $80,000 just for the square footage before ever spending anything on product inventory. If you were to open a convenience store your investment would be upwards of $200,000. Investment in Internet-based businesses are much smaller (some are as much as 5K, most considerably less), but the profits are generally also far greater and more quickly achieved. MLM programs like Amway, Shaklee, Herbalife, etc. Take a tremendous amount of time, energy and “successful” folk will only have achieved about $1,500 per month after two years if they persevere. An online business will require some investment. There’s almost always a “learning curve” in the training process that may take one to three weeks to grasp and implement. However, the returns tend to be substantial and because the Net is world wide, more Internet marketers are achieving high (executive) incomes than almost any other sector of business. What’s more is that the average person can learn the ropes, the “how to” for internet marketing and achieve success.
Whenever you find a business that attracts your attention, do your due diligence, research it thoroughly. 1) Get the most credible counsel, both positive and negative from those who are IN Internet marketing themselves. 2) Understand that high commissions will profit you much more substantially than small commissions. 3) Look for a business system in which you profit WITH your team. When you succeed, they succeed; when they succeed, you succeed. 4) Avoid pass-up businesses. If you have to GIVE all the profit of your first 1, 2 or 5 sales to your recruiter before you begin benefitting from your sales, then find another program. 5) Make sure the company has real products, and multiples lines of income streams. 6) A worthy company should SHOW YOU, or be willing to show you their training and instruction before you join. 7) A good company will have a “sales office” – people to handle your phone calls and close your sales, if you’re one of the 80% who don’t like to talk to strangers on the phone. 8) Be wary of any company that makes “promises” or “guarantees” of “getting rich quick without working.” Those are scams. Most businesses’ propaganda is splashy or glitzy. Don’t be put off by that. Just do your research thoroughly. But here are a FEW of the online companies that are NOT scams. ALSO, a number of these are 90+% automated … And even though products are “sold” you don’t do the selling, your web site does it for you.
• Abunza
• Perfect Wealth Formula
• Wealthy Marketer
• My Internet Biz
• Wealth Masters
• EDC Gold
• Cruise to Cash
• Passport to Wealth
• Emerald Passport
• Liberty League
• Roadmap to Riches
• Global Network
• Reverse Funnel
• Big Ticket to Wealth ***
Whether you pursue something like this will likely depend a great deal on your NEED and your GOALS.
Best wishes in your search.
Ken
PS. They’ll need a computer, internet access and a phone.

Mark asks…
My step-father is a Mortgage Broker and I was wondering if his business will pick up again?
Sorry I can’t go in detail about his job, because I have absolutely no idea what he does. I think it involves real estate.. Any who, my economic teacher said that Ben Bernanke said recession is very likely over. So, I’m assuming everything will be normal again and everyone will make money. True?
I guess I have 2 questions.
Thanks you!

Jere answers:
If your dad is in the mortgage biz, I assume that he has experienced a severe decline in his business, everyone else has.
As for Uncle Ben, he has yet called the economy right. I guess if you make enough calls, one day you’ll be right.
09-15-2009
“Economists Said What? Sorry, But The Recession is Not Over”
http://profiles.yahoo.com/blog/CUXTCCBSBYDZODXWGYK2IZDOOI?eid=NNGFJyY6kSj4tE5TOljyhBBClpfcc8_zKGbwGzBmQtQoWHbX3g
This will be a multi-year recession. Not a V shape, or U shape recovery. We will have another wave of issues to deal with, which I have cited above and in my Y!A post history.
07-16-2009
Home foreclosures continue to break records:
“Foreclosures at record high in first half 2009 despite aid”
http://www.reuters.com/article/topNews/idUSTRE56F0XK20090716
09-21-2009
“U.S. Mortgage delinquencies set record”
http://www.reuters.com/article/businessNews/idUSTRE58K29E20090922
09-04-2009
“U.S. Unemployment rate jumps to 26-year high of 9.7%”
http://www.marketwatch.com/story/unemployment-rate-jumps-to-26-year-high-of-97-2009-09-04
09-04-2009
Even Teen Unemployment Rate is Over 25% – the highest since records on this was first kept since 1948
I am not saying the economy will plunge like in Sept 2008. Hope not. It could be worse one day if the future problems are not handled. Taxing and socialization is not the solution. The government can’t keep spending and spending.
09-23-2009
“U.S. Issues $7 Trillion Debt, Supply to Stabilize”
http://abcnews.go.com/Business/wireStory?id=8649840
Last year (2008) $50 TRILLION was lost world-wide, and this money is not coming back anytime soon. Most is gone forever.
03-09-2009
“Global Financial Assets Lost $50 Trillion Last Year…”
http://www.bloomberg.com/apps/news?pid=20601068&sid=aZ1kcJ7y3LDM
Housing may take 10-15 years to recover, but not back to peak prices. U.S. News argues that it may take 20 years for housing to recover. I don’t know about that, but the ever growing deficit is a big problem, commercial real estate re-fi could be a problem over the next several years, and if interest rates go up sharply then watch for the next wave of economic problems to begin.
Notice the FED is not raising rates now as I have said they should not do.
08-13-2009
“Why Higher Interest Rates is a Bad Move for the FED and the Economy Right Now”
http://profiles.yahoo.com/blog/CUXTCCBSBYDZODXWGYK2IZDOOI?eid=fWkyl8Yxm34lkqZJ3PCrmi896PN2k7N2703evaJuvpyfCYRCpg
The reason why rates are not going up is because Uncle Ben (Bernanke) knows that higher rates would increase gov cost on the $15+ Trillion in debt and loan guarantees, including the FED’s own $2 Trillion+ holdings, and this higher loan cost would be disaster for the government and make the deficit soar faster.
09-24-2009
“Fed Signals Growth Return Insufficient to End Monetary Stimulus ”
http://www.bloomberg.com/apps/news?pid=20601068&sid=a7PUzPYyvn7M
08-12-2009
“Why a Housing Rebound Could Take 20 Years”
http://www.usnews.com/money/blogs/flowchart/2009/8/12/why-a-housing-rebound-could-take-20-years.html
FNM, FRE, Ginnie May, and FHA all have serious problems.
08-21-2009
“Now What? – Another $1 Trillion Bailout?”
http://profiles.yahoo.com/blog/CUXTCCBSBYDZODXWGYK2IZDOOI?eid=tUCkXQk1mX0J5ihG2PNUAnKZpxJSCpv3mgV0sqQbR7lC6p2_9g
So where is the recovery again?
Post Date: 09.23.2009

James asks…
who are the richest football team currently?
I know there has been a bit of a fight with real madrid and manchester united. But who are currently the richest? I cannot find any recent reports

Jere answers:
According to the football money league, it is real madrid.
Top 10 are:
1. Real Madrid €292.2
2. FC Barcelona €259.1
3. Juventus €251.2
4. Manchester United €242.6
5. A.C. Milan €238.7
6. Chelsea €221.0
7. Internazionale €206.6
8. Bayern Munich €204.7
9. Arsenal €192.4
10. Liverpool €176.0
http://en.wikipedia.org/wiki/Deloitte_Football_Money_League
the link below provides the richest football clubs in the world
http://en.wikipedia.org/wiki/Richest_football_clubs
forbes however lists Man Utd as the Most Valuable Football Club. The top 10 are:
1. Manchester United
2. Real Madrid
3. Arsenal
4. Bayern Munich
5. AC Milan
6. Juventus
7. Internazionale Milan
8. Chelsea
9. Barcelona
10. Shalke 04
http://www.forbes.com/2007/03/29/soccer-valuations-beckham-biz-services-cx_pm_07soccer_0329soccer_land.html

John asks…
How do I get a guranteed autographed card?
I’m 14 from Nevada I’m a huge chargers fan and I never had an autographed card or memorabilia so I know you can send it in the mail but idk were to send it to for the chargers not a specific player but the whole team do I send it to the practice facility or the actuall office or stadium please real address not guess’s or fakes

Jere answers:
Sorry this is all that I could find. Maybe if you sent them an email they will give you more information.
NFL Team
AKA:
Date of birth: 23/June/1995
Official website
Email address: fanmail at chargers.nfl.com
Last feedback received on: 7/2/2012 >>>
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Fan Mail Address:
San Diego Chargers
4020 Murphy Canyon Road
San Diego, CA 92160
San Diego Chargers | Contact Us
http://www.chargers.com/footers/contactus/html
Mailing Address San Diego Chargers P.O. Box 609609. San Diego, CA 92160- 9609. Ticket Office (Stadium) San Diego Chargers Ticket Office 9449 Friars Road …
San Diego Chargers Address
http://www.fanmail.biz/1540.html
Jul 2, 2012 … Provides a mailing address for requesting autographs and sending fan mail to San Diego Chargers.
Philip Rivers Talks San Diego Chargers Future
http://www.bleacherreport.com/articles/618662-san-diego-chargers-a…
Feb 24, 2011 … San Diego Chargers quarterback and team MVP Philip Rivers spoke to a group of season ticket holders, discussing everything from the team to …
San Diego Chargers Training Camp
http://www.pro-football-reference.com/teams/sdg/training-camps…
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Your Questions About Internet Marketing Inc

Michael asks…
Do you think that Apple Inc. is breaking the law with the iPhone, iPod Touch, and iPad?
Now before I begin, let me say that I love Apple products, however Apple seriously limits the functionality with all three of their touch devices.
Back in the day, I believe with windows 95 or 98 a lawsuit was filed against Microsoft because it only allowed the Internet Explorer browser on their computers. It was ruled that it was unlawful for that to happen. Is Apple not doing almost the same thing now? You are not allowed to install any software not “approved” by Apple itself, and to do that you must jailbreak your device and “void” your warranty. Apple constantly updates its iOS software to patch “security loopholes” that allows people to jailbreak their devices. But that is aside from the point. If you make a device that is mass produced, don’t you have to allow the consumer to install whatever software their heart desires? It seems as if Apple is censoring out any application that it does not like or does not “approve”. And along with that, AT&T and Apple are creating a sort of a monopoly with its iPhone exclusivity contract. Apple and AT&T know that the iPhone is just about the most popular phone on the market, and it is understandable to use it as a selling point, but I think that it has gone too far. It would be different if AT&T created its own phone and used it as a selling point and did not allow it onto other carriers, but to pay another company for exclusive rights to its products is a monopolistic move. Do you think what I am saying is true? Leave your answer and feedback.

Jere answers:
It’s totally different because Apple not only provides the operating system, it also manufactures the products. From what I understand, the Microsoft case was illegal because attempting to remove Internet Explorer crashed the computer, which essentially meant that Microsoft was intentionally sabotaging another company’s product.

Carol asks…
Sims 3 game delayed for the 3rd June???
ea announces New SHIP date for the sims 3
Highly-Anticipated PC Game from Best-selling PC Franchise Slated to Ship June 2, 2009
REDWOOD CITY, Calif., February 3, 2009 – Electronic Arts Inc. (NASDAQ: ERTS) today announced that The Sims™ 3, the highly-anticipated flagship game from the best-selling PC franchise, The Sims will launch across the PC, Mac, iPhone, iPod Touch and mobile devices summer 2009. The Sims 3 PC will ship to store shelves worldwide starting June 2, 2009.
“The Sims 3 is an incredible game that lets you play with life, create art and show off your creations,” said Ben Bell, Executive Producer, The Sims 3. “In the game, players are inspired by endless creative possibilities like the new Traits and Lifetime Wish features which allow players to create Sims with real personalities and destinies. Players can then take their Sim into town to interact with other Sims in the game and capture the action on video to show off online.” *
“The June launch combined with the break-through game the team is building gives us the perfect runway to create awareness for The Sims 3,” said Russell Arons, Vice President of Marketing for EA. “The Sims 3 will be the original IP summer blockbuster of 2009 as we build off the success of the best-selling PC franchise of all time to create awareness with both loyal Sims fans and new players.”
For more information about The Sims 3, please go to TheSims3.com. The Sims 3, developed by The Sims Studio, is also in development for Mac, iPhone, iPod Touch and mobile devices. To download artwork, please visit www.info.ea.com.
* INTERNET CONNECTION required. See product pack for details.
About The Sims 3
Get inspired by the endless creative possibilities and unexpected moments of surprise and mischief in The Sims 3! Customize your Sims’ appearances and choose up to five traits to create individual personalities. From the “Romantic” trait or “kleptomaniac” trait to “evil” trait, create millions of unique Sims from the vast amount of personalities. New goal-oriented game play enables you to choose which short or long-term objectives you want your Sims to pursue and even determine your Sims’ destinies in life. Create and edit your own movies by capturing your gameplay moments or select from a library of clips. Then join The Sims 3 online community where you can show off all of your creations, get free bonus content, hear the latest news, and more! Download exclusive content and hear the latest news of The Sims 3 at www.TheSims3.com.
About The Sims
The Sims franchise celebrates an impressive over 100 million units sold since its launch in February 2000. Now translated into 22 different languages and available in 60 different countries, The Sims quickly has become a universal gaming and cultural phenomenon. For the latest information about The Sims and to check out the hottest creations for The Sims 2 made by our community members, please visit www.TheSims2.com.
About Electronic Arts
Electronic Arts Inc. (EA), headquartered in Redwood City, California, is the world’s leading interactive entertainment software company. Founded in 1982, the Company develops, publishes, and distributes interactive software worldwide for video game systems, personal computers, cellular handsets and the Internet. Electronic Arts markets its products under four brand names: EA SPORTSTM, EATM, EA SPORTS FreestyleTM and POGOTM. In fiscal 2008, EA posted GAAP net revenue of $3.67 billion and had 27 titles that sold more than one million copies. EA’s homepage and online game site is www.ea.com. More information about EA’s products and full text of press releases can be found on the Internet at http://info.ea.com.
EA, EA SPORTS, EA SPORTS Freestyle, POGO and The Sims are trademarks or registered trademarks of Electronic Arts Inc. in the U.S. and/or other countries. All other trademarks are the property of their respective owners.
http://thesims3.ea.com/view/pages/newsItem.jsp?item=1877425397

Jere answers:
Merd.a!!!!!!

Chris asks…
I got bad news for The sims 3 fans?
I got some bad news,im also mad to hear this really bad news,sense we were so close to the Release day.But this game got push back to June 2,2009.Im was thinking of cancelling my pre-order thats 4 months away.This game seems to be k,but i guess they want to have all the system release on the same day.This is Bulll(im sorry).
What do u guys think?
EA ANNOUNCES NEW SHIP DATE FOR THE SIMS 3
Highly-Anticipated PC Game from Best-selling PC Franchise Slated to Ship June 2, 2009
REDWOOD CITY, Calif., February 3, 2009 – Electronic Arts Inc. (NASDAQ: ERTS) today announced that The Sims™ 3, the highly-anticipated flagship game from the best-selling PC franchise, The Sims will launch across the PC, Mac, iPhone, iPod Touch and mobile devices summer 2009. The Sims 3 PC will ship to store shelves worldwide starting June 2, 2009.
“The Sims 3 is an incredible game that lets you play with life, create art and show off your creations,” said Ben Bell, Executive Producer, The Sims 3. “In the game, players are inspired by endless creative possibilities like the new Traits and Lifetime Wish features which allow players to create Sims with real personalities and destinies. Players can then take their Sim into town to interact with other Sims in the game and capture the action on video to show off online.” *
“The June launch combined with the break-through game the team is building gives us the perfect runway to create awareness for The Sims 3,” said Russell Arons, Vice President of Marketing for EA. “The Sims 3 will be the original IP summer blockbuster of 2009 as we build off the success of the best-selling PC franchise of all time to create awareness with both loyal Sims fans and new players.”
For more information about The Sims 3, please go to www.TheSims3.com. The Sims 3, developed by The Sims Studio, is also in development for Mac, iPhone, iPod Touch and mobile devices. To download artwork, please visit www.info.ea.com.
* INTERNET CONNECTION required. See product pack for details.
About The Sims 3
Get inspired by the endless creative possibilities and unexpected moments of surprise and mischief in The Sims 3! Customize your Sims’ appearances and choose up to five traits to create individual personalities. From the “Romantic” trait or “kleptomaniac” trait to “evil” trait, create millions of unique Sims from the vast amount of personalities. New goal-oriented game play enables you to choose which short or long-term objectives you want your Sims to pursue and even determine your Sims’ destinies in life. Create and edit your own movies by capturing your gameplay moments or select from a library of clips. Then join The Sims 3 online community where you can show off all of your creations, get free bonus content, hear the latest news, and more! Download exclusive content and hear the latest news of The Sims 3 at www.TheSims3.com.
About The Sims
The Sims franchise celebrates an impressive over 100 million units sold since its launch in February 2000. Now translated into 22 different languages and available in 60 different countries, The Sims quickly has become a universal gaming and cultural phenomenon. For the latest information about The Sims and to check out the hottest creations for The Sims 2 made by our community members, please visit www.TheSims2.com.
About Electronic Arts
Electronic Arts Inc. (EA), headquartered in Redwood City, California, is the world’s leading interactive entertainment software company. Founded in 1982, the Company develops, publishes, and distributes interactive software worldwide for video game systems, personal computers, cellular handsets and the Internet. Electronic Arts markets its products under four brand names: EA SPORTSTM, EATM, EA SPORTS Free****M and POGOTM. In fiscal 2008, EA posted GAAP net revenue of $3.67 billion and had 27 titles that sold more than one million copies. EA’s homepage and online game site is www.ea.com. More information about EA’s products and full text of press releases can be found on the Internet at http://info.ea.com.
EA, EA SPORTS, EA SPORTS Free**** POGO and The Sims are trademarks or registered trademarks of Electronic Arts Inc. in the U.S. and/or other countries. All other trademarks are the property of their respective owners.
http://thesims3.ea.com/view/pages/newsItem.jsp?item=1183392783

Jere answers:
As a Mac user I am excited that Mac users will not have to wait the usual 6-9 months after everyone else (PC users) has the game and is talking about it. As a Sims fan, I hate to wait!

George asks…
Who’s behind ASDCASHGENERATOR?
ASD Cash Generator is a “profit/revenue- share” type internet advertising company that allows you to generate money by viewing websites. I’m using ASD to advertise 5 of my sites and have received real traffic and leads from it.
Each day a paid member views ads, they get a share in the profits of the company paid directly to their accounts until the member pockets 25% more than they spent. At the time of this writing, their current daily interest rate has been averaging about 0.50% – 2% per day, and is primarily based on the total the number of ad package sales for the previous day. The daily rebate rate will vary and is not fixed.
All you have to do is view 24 web sites each day for 15 seconds each to receive your daily rebate that equals to about 6 minutes.
Who’s running the show?
The company was founded over a year ago by CEO, Andy Bowdoin. In doing my due diligence and searching over 9 pages of information on Google on him (all positive), I found that he has quite an extraordinary reputation, not only as a career Advertising man, but as a man of exceptional integrity.
He has over 40 years experience in sales and marketing, and has had success in everything he’s done. He started his sales career working with the Dale Carnegie Courses in the early sixties and later worked with the Napoleon Hill Leadership Program. Andy has trained thousands of sales people during his career and started several companies.
He expanded a 60-minute dry cleaning franchise throughout the Southeast and Midwest. He developed a company that sold wireless communication franchises throughout the U.S. and then started a company to market credit card processing for merchants.
In 1999, Andy did research and discovered a need for GPS Tracking for fleet vehicles and GPS Tech was created. In 2006, Andy again saw a new opportunity – the need for a new way to deliver advertising to the masses and Ad Surf Daily, Inc. was born.
He modified his marketing strategies for the internet and attracted over 5,000 members in 120 days and sold over $1,200,000 in services. He now teaches his ASD members his strategies to help them build their internet businesses.
ASD has a physical office located in Quincy Florida, a state of the art online support ticketing system and real telephone support where customer service reps handle all support questions or inquiries.
One of the big perks with this program is they have an account with Bank of America where you can make direct deposits. They withstood a rigorous Verification Process (common sense will tell you Bank of America doesn’t do business with scams).
* Sustainable Payout Structure, NO guarantee of earnings in a set time.
* Daily Payouts fluctuate with daily sales – true Profit Sharing, NOT a Ponzi.
* Daily sales posted each day with your exact payout percentage.
* Zero Cost Membership.
* Structured like a REAL business with CEO, Executive Officers, Chief Administrator
* Full information on CEO, not some ‘anonymous’ admin
How is the company revenue distributed?
The ASD Cash Generator business plan pays 50% of all daily ad buys back to the advertisers, 15% in referral commissions (on two levels) and 25% for expenses and corporate profits.
By never paying out more than they take in, ASD will never encounter the cash-flow problems that have plagued other paid-to-surf programs. You’ll receive a variable percentage daily of that 50% revenue, for surfing 24 sites daily, until you reach 125% of your ad purchase (25% profit), and then you’ll re-cycle.
Members in the US are sent 1099s for any net profits (not advertising purchases) earned each year from ASD, but you can write off anything you purchase in advertising packages, and in turn, save money on your taxes!
Note: ASD Cash Generator is actually the 3rd get-paid-to-surf type program Andy has created. The first two programs were discontinued last year due to programming script problems. All the previous members had their balances transferred over to the new restructured ASD Cash Generator program or were refunded. ASD Cash Generator launched in July 2007.
Speak Spanish?
ASD also has a Spanish version of the English ASD website for those wishing to either view Spanish-based websites or know people who would like to earn money surfing a Spanish site. It’s set to be available for surfing and advertising in the beginning of February.
No sponsoring or recruiting is required, but for those that wish to refer others to ASD, they have a referral program that pays up to a 10% commission from the ad credits purchased that you personally refer, and up to a 5% commission from the ad credits of those referred by your direct referrals for a total of 15% total referral commission paid on 2 levels.
What’s the maximum number of Ad Packages I can purchase?
Twelve thousand (12000). Ad Packages are $1.00 each, so the maximum you can own at any one time is $12,000 USD. ASD requires that you have a product, service, program or opportunity that includes a web site to advertise in order to be an advertiser.
Note: If you don’t have a website to advertise, you can contact me for one to use.
3 Membership Levels: (Optional monthly subscription)
You can join ASD for FREE to advertise your site, or you can upgrade and advertise your business and earn cash-back rebates at the same time. The free membership will always be there and advertisers can get FREE advertising by viewing other web sites on the ASD Cash Generator Web Site.
An advertiser can pay a monthly membership fee and reduce cash out fees, increase referral commissions and decrease the number of sites to view on a daily basis. The amount of your monthly membership fee determines the number of times you can cash out each week, the amount of your referral commissions and the number of sites you must view each day to receive your rebates.
Monthly Memberships:
* $10 per mo. fee = Cashout on Mondays Only and 5% referral commission for 1st level and 3% on 2nd level,
* $25 per mo. fee = Cashout on Mondays, Wednesdays & Fridays and 7% referral commission for 1st level and 4% on 2nd level,
* $100 per mo. fee = Exec. VIP Plan, Cashout DAILY and 10% referral commission on 1st level and 5% on 2nd level.
Special Promotion through Tuesday, January 22, 2008.
If you purchase $500 – $999 in Ad Package purchases, you’ll receive 3 month Exec. VIP membership level upgrade. For $1,000- $1,999 in Ad Package purchases, you’ll receive 6 months Exec. VIP membership level, and for $2000 or more in Ad Package purchases, you’ll receive 1 year Exec. VIP membership level upgrade.
Do I have to pay a membership fee?
No. If you just want to be a passive member in ASD and receive cash back rebates from your ad purchases, you don’t need to pay a monthly membership fee. It’s primarily for people who choose to refer other advertisers or want to increase the frequency that they can withdraw their profits. If you don’t pay a membership fee and you decide to refer others (optional), you’ll be paid a 3% referral commission on all of your personal referrals only.
What payment processors are available?
Currently Alert Pay, Solid Trust Pay ,direct deposit into Bank of America account, cashier checks and mail in money order. Soon to come will be an International Debit card
What happens if I’m unable to view and rate websites on any given day?
If you miss a day and you’re unable to view and rate ads (for any reason) you don’t lose anything, it just freezes and extends the time line until you come back.
Personal opinion: From everything I’ve researched, Andy Bowdoin is a man of integrity who does what he says he’s going to do. He has a rock-solid business plan and experience based on verifiable and publicly available information. Everything is very transparent.
His business model is a win win for everyone and very lucrative for both passive and active members. Advertisers who simply want to be sure their website get seen, get exactly what they pay for.
Entrepreneurs who want a passive way of growing their money, get the ability of doing so for simply viewing ads daily. They get quality prospects visiting their websites which will ultimately turn into sign ups, sales, or more business partners.
You can get a 25% bonus on your advertising dollars spent for simply investing 10 minutes per day to view others sites. So if you purchase $1,000 in advertising from ASD, you’ll get paid daily until you receive $1,250 back. It doesn’t matter if you purchase an ad for $10 or $500… if you do nothing else but view ads, the results are the same and you’ll eventually earn 125% of what you spend (25% net profit).
If you look at their Alexa traffic ranking in the chart below, you’ll see that there’s tremendous momentum with this program right now.
Here’s how to sign up:
1. Click on this link: http://www.asdcashgenerator.com/?ref=20470, read the FAQ and Terms & Conditions, etc., then click on the link right under the top banner that says “Sign-up.” To become an Upgraded (paid) advertiser, first click on Signup on the Home Page and become a Free Member.
2. When you join as a free member, you’ll be sent a welcome email. Some email carriers such as AOL, Bellsouth, Yahoo and others will treat our emails as spam. Check your Spam folder to see if it ended up there. If you didn’t get the email you may want to go to Google and get a free gmail account, otherwise you won’t be getting any emails from ASD because they’ll be blocked.
3. After you sign up, log in to your back office on the bottom left of the Home Page. Click Login and that will take you to your Account Overview Page. Look to the right of Account Level and you will see (upgrade level) in blue. Click on upgrade level and it’ll take you to your Upgrade Account Page. Select your payment processor and insert the dollar amount of ad packages you want to purchase. Ad packages are $1.00 each. If you want $100 of ad packages put 100 in the window. Click upgrade. Your purchase should show up on your Account Overview Page to the right of Current Upgrade Purchase. You can pay by credit card by calling the home office at 850-627-2206.
4. Once your account is funded and you’ve purchased your ad packages, click on the START SURFING link on the left hand side and do your viewing each day

Jere answers:
I am apart of this program,and I love it. WHY? Because I have made 30 times what I invested. Everything they promised has happened. The only people who call this a scam,do so while advertising there scam! Anyways decide for yourself,you’ve done the homework. Oh,and the customer service is top of the line,I’ve gotten ANDY on the phone within 24 hours,personally!! Do what you want, I am not going to miss this bus,because I personally believe everyone that has this opportunity and passes will regret it one day.Oh and be sure to wait for a promotion before you enter,like a 100% match!!!
You can reach me at buss362002@yahoo.com if yiu wanna continue this Q AND A further. DONT MISS THIS BUS!

Sharon asks…
Thmegamart???? IS IT FOR REAL?
Hi Guys, I need your views on the upcoming retail firm in india “Thmegamart” saying that they belongs to norway(FDI cft on their website says they will invest thru Hong Kong). Their is no contact details or address proof, as lots of candidates can not even find the Hybd address provided on their website. Try putting the address on google maps and you will get nothing. TE HUUR INC means nothing on internet. They are saying, we are retail giant in “Norway and Hong kong” so why their name is not coming in country retailers list for both the countries. I was amazed to see the owners on “http://stuffgate.com”{search for both ‘thmegamart.in’ and ‘corporate trainers.net.in'(the company provide retail cft)}. The corporatetrainers website is running on the name of founder and chairperson of thmegamart “Carol C.Aucoin”. even on the youtube video check the statement underneath the video “retail giant of NOWAYS(instead of Norway). Isn’t that funny how could a retail giant run a business if they are doing such mistakes for marketing. Check their numbers if u got a interview call, all are mbl numbers(I have got 3 times, even after I got offer letter in first call). few people(of course they are involve in this) are saying that, they visited their HYBD office but none of them putting their address so that other candidates can visit and check wether this company is for real. they are willing to open 138 stores, jus cz I was having spare time I counted the stores as per location they are just 127. Another big question ..big fishes like wall mart, tesco and few other from S.Africa are still waiting for FDI approval, how come this company which doesn’t even exist in Norway/Hong Kong can open 138 stores???? Guys stop playing with people carrier/future to make some $$. You guys are fraud, if you are running a scam u need to be very smart, you need to know through internet in just few hours anyone can search about existance of any company/business in any part of world from anywhere. All those candidates who are confused about this “RETAIL GIANT of NOWAY” 😉 can share their views here. Lets find out wether they belong to MARS or some other planet…LOL….CHEERS

Jere answers:
I have never heard anything about this retail firm, and I’m Norwegian.
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Your Questions About How To Do Share Business Online

Linda asks…
What business I can start with an investment of 3 to 5 lakhs in Mumbai?
Please suggest except brokerage, share market related business or online.

Jere answers:
There are a number of Businesss that you can start with very low investments, some of them are listed below.
(Always look for niche markets or products)
1) Customizing homes for old, infirm or sick people, or making homes child safe. Providing support railings, double doors and security devices.
2) Making automated car covers, that not only protect your car from the sun, dust, bird droppings, leaves and thieves, but also reserve your parking space.
3) Home maintenancee, many homes are empty, the owners are NRI’s or old and they need paying of bills, cleaning, repairs and more, payments on a monthly or yearly or one time basis.
These are some ideas, there is a need and so far no one has stepped out to meet them. You will succeed, there is no other option.

Joseph asks…
What business can be started in just 25k rupees?
What business can i start in just 25 thousand rupees? What returns can i expect?
Would also like to know if i can make my business online only to minimize costs for store front, etc.

Jere answers:
A very interesting question, of course! You are asking whether you can do business online with just 25k. In my opinion, it is not possible, unless otherwise, it is share trading. I would also not advise you share trading as I think a beginner will always find a waterloo in the share market. Sarting a business depends on many things. What type of business in your mind? Have you done any business? Have you experience in any business by working as salesman or so? Even before starting a business, you are asking about returns. You see any business normally does not have a positive profit complement during the initial years, especially the business with a low investment of Rs.25000/=. Hence please note that the amount you are going to invest will give you results three or four years after starting the business. I do not mean that there will be no profit during the period, but all these profits will get nullified by the expenses you might not have thought of, at the commencement of the business. Therefore, it is prudent not to draw any money out of the business for your personal expenses etc, as it will dwindle your capital and available surplus. What is needed during the initial years hard work and also non-diversion of your capital money for other purposes. Choose the business according to the investment on hand, considering your expertise on the business activity, your competitors, demand for the product. Discussion with people who have done the business earlier and given up because of some reason will be useful. Dont plunge into action, without considering the pros and cons of the business plan. I am not trying to freighten you, but you should know that there are two sides to a coin. Profit and Loss are the two sides. Your hardwork, skills, experience and commitment will lead to profit and complacency, mismanagement, and ignorance may take you to the wrong route.

Robert asks…
i got loss in commodity share business. is there any free online service to give tips to me for 1 months.?
i got loss in commodity share business. is there any free online service to give tips to me for 1 months. I searched in the google. but some websites are giving 1 or 2 days free trail version after that they are asking more than 7000 rupees for 1 month. But i dont have money to pay them. Is any one is there so kindly share with me.

Jere answers:
Trade in equities

John asks…
What Are The Most Effective Home Based Business Marketing Tools?
On a limited budget, share the free and low cost tools that are most effective for growing a home based business, an online business, or a small business.
This question is not a solicitation for your home based businesses. It is a question about marketing tools and strategies that people WITH businesses can use to build their businesses.

Jere answers:
The very best thing you can do is use article marketing and social bookmarking to drive free traffic to your business. I have used these methods to dominate niche markets and have surpassed companies with multi-million dollar budgets.
If you want to know the details see the source area for my just released ebook:

Betty asks…
What is true here in internet for home business?
I was trying so many way to make business online, 90% are cheating or difficult to do business, data entry, affiliate programs, get paid to read email , currency trading,investments all the sections have big scam…
Can anybody share your expereince who are making real individual business online success… i dont want to hear google business, that is everybody knows.. please provide other informations

Jere answers:
You are right, there are a lot of SCAM for online business and it is quite difficult to know which are the one unless you have tried it.
There are a lot of internet business models you could consider of (e.g. Buying and selling domain names, affiliate marketing, auctions, selling digital or physical products, creating paid newsletter or websites and many more).
Find out more from the link below. It will tell you how to setup a successful online business step by step regardless of your experience and background. It will also tell you what are the reason behind each step, how you could go about doing it and where you could get the necessary resources free or at a low price.
Hope that it will be helpful to you.
Patrick
http://www.income-internet-business.com
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How to Get Better at Online Marketing
The best ways to Improve at Online Advertising
The problem is the online ad-world is strongly saturated. Whether it be in your applications or your Gmail inbox, there are thousands of advertisements swirling around – screaming for focus. If your business occurs to be attached to among those ads, you understand exactly how …
See all tales on this topic
Snapdeal to offer Hero Electric bikes
Online portal Snapdeal.com has actually begun selling electric two-wheelers on its portal, when it comes to the assurance of a much better offer for purchasers than from a brick and mortar dealership. The business has partnered when it comes to Hero Electric to sell the latter'' s items online …
See all stories on this subject
Sainsbury'' s main ask for action to tax online rivals
“For every pound that we have saved [when company tax was reduced] we have paid around ₤ 2.50 additional in other tax obligations, largely business rates. If the tax problem falls ever a lot more heavily just on those companies that have real existence that is something …
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Categories: Business Online Tags:
Your Questions About Business Online Games

William asks…
Do i need a license to run an online console gaming business?
I was wondering if we needed a business license in the state of California to run an online business. There will be no retail store or any physical location to run this. It is purely online.
Do we still need a business license?

Jere answers:
No

Maria asks…
If I started an online business (online game) in Michigan. What can I expect to pay in taxes?
Whats the tax rate %?

Jere answers:
The tax rate for income tax will depend on how your self employed income impacts your total income, and the lowest rate is 10%
however as self employed you will file Sch C and when you ascertain your ‘net’ you file that amount on sch SE and your self employment tax is apprx. 15.3% of your ‘net’

Lizzie asks…
My games business online?
i want to sell my games but i cannot find a way as i am 13 years old.
I cannot create a paypal account.
i want it to be sold worldwide and people just download from my server.
Then they pay me to get the licence or others.
Please help me in this…
If its impossible tell me,so i can do something about it..

Jere answers:
Ask a parent or guardian for help.
Most business transactions are based on contracts, for them to be legally binding the participants need to be over 18 (generally). A parent/guardian can fulfill this obligation on your behalf, however they are then legally accountable.

Donna asks…
any good online business games?

Jere answers:
Online Trading Game at http://www.moneybhai.com
u can play game to win Rs 25000/day + It will educate about online trading.

George asks…
are there any online games that simulate owning a business?
I am wondering if any games let you own your own business

Jere answers:
Http://www.renaissancekingdoms.com/EnregistrementKC.php?parrain=stefancp
It is a game back in 1400.
You can enter 5 to 10 minutes a day, and it s enough to give your citizen to eat, and to take a job.
You can get elected as mayor, be a count, take sides in wars, or stay at home in your city and be
protected by the local police and army. You can be a thief, or go to church and pray.
You can raise sheeps, pigs, cows, be a farmer, or make cloths. You can be the good guy or the bad one.
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Your Questions About Business Online Services Group

Susan asks…
How do i start a marketing web site and get it running fast for low cost?
I have a web site that people can place there business advertisement on there. It dont matter the type of add it is it can be a regular add, video file or flash add. Dont matter all types are the same price a month. How do i advertise better to get the word out there about my site.

Jere answers:
The best free advertising online.
A while back I wrote an article titled, The Top 10 Free Websites to Advertise. This laid out the 10 best websites where it was completely free to advertise on them. They included:
1. Craigslist.com
2. Blogger.com
3. MySpace.com
4. Reference.com
5. EzineArticles.com
6. GoArticles.com
7. Backpage.com
8. Dmoz.org
9. Yahoo Answers
10. FAQfarm.com
Each of these sites are unique in their own way but effective in providing an outlet to advertise your business free. This is perfect for those who need to advertise on a budget, their products and services. Small business for the most part doesn’t lend itself to have big advertising budgets, so finding a place to “get your name out there” without paying for it is important.
To advertise on a budget effectively you must have a web presence, and preferably a website. If you don’t your small business is only treading water before it goes under. A website is the door that can open your small business to a phenomenal growth track because of the power of search engine optimization (SEO). There is a reason why Google® and Yahoo® have been some of the fastest growing companies of all time, its because search engines work. I personally use Google so much a day I lose track of how many times, and this goes for a majority of its users. For more information about SEO and how powerful a high ranking can be in Google read, How Important is a High Google Ranking to Your Small Business
Now that we have the understanding that SEO is the number one way to get free advertising by a very wide margin lets focus on one of the other ways to work at making free advertising more effective for your small business.
Social networking as a whole are becoming as popular as search engines such as Google and Yahoo. In fact Google bought Youtube® and started their own Myspace® type website called Orkut® and Yahoo attempted to buy Facebook®. Social networking is such a bonanza that doesn’t even know their own limits of how large they will grow. Where does your small business fit in? Since they are free there is no money investment to make, but you will have to invest your time, especially in the beginning. You will need to take time to learn the site, set up your profile, and make friends. Remember, you are looking for ways to make the time you spend using this website as an advertising tool as fruitful as possible. Of course set up your profile with the focus of your business objectives and reaching your goals, and always abide within the rules set by the websites. Your investment of time is your efforts to build your network, because it will take trial and error to learn what is best for your business in social networking. Taking the time to build your network is the number one emphasis when it comes to social networking for your small business.
There are other emphasis which I will list below in no particular order:
* Try an individual profile as a representative of your business before you try a group profile for your business to give an idea of the time it will require to build a network
* Don’t sign up for too many social networks, you risk diluting your message and emphasis.
* Share the networking responsibility with other employees or business owners once you have a business profile
* Don’t be distracted easily, remained focus on what your business objective and building your network to reach your goals. If needed, set goals for building your network.
* Don’t be afraid to get a little personable, people do enjoy talking to other people when networking, not just a profile on a website.
* Don’t be random when searching for friends for your network. Its a waste of time, choose your friends carefully, and then extend invitations to their friends and their friends and so on.
* Alter your preferences on your profile to reduce spam and unsolicited offers. This will save you time as well.
Remember social networks can be people who are very passionate in one way or another about their cause so you need to be the same way concerning your small business on social networks. If you are its a very easy way to advertise and grow your small business on a budget.

John asks…
How do I go about starting a business, where do I look for grants? The business is a truck Stop?
What I am doing is trying to open a truck stop, I just don’t know where to start the process. I don’t know who I should be getting in contact with. Where do I start with opening a business and who do I talk to in my town.

Jere answers:
Starting a small business takes a lot of courage. But, as they say, courage does not pay the bills. To be successful – to stay in business – you need more than courage. You need a combination of hard work, skill, perseverance, and lots of luck.
Some things you need to consider:
– “How can I support my family while I build up by business?”
– “What are my abilities?”
– “Is there a market for the product or service I have chosen?”
– “How long will it take this business to reach the financial goal I have?”
You may want to read the article “How to Start a New Business Successfully” http://www.powerhomebiz.com/vol51/launch.htm , which lists six steps to launch a new business successfully:
1. Provide a benefit.
2. Determine the fit with your market.
3. Right timing is everything
4. Be ready to support your business
5. Develop a blueprint for success
6. Market, market, market
I recommend that you read the following books:
– What No One Ever Tells You About Starting Your Own Business : Real Life Start-Up Advice from 101 Successful Entrepreneurs
– Starting From Scratch: How To Start A Business When You Don’t Have Money
– If You’re Clueless About Starting Your Own Business and Want to Know More
– On the Move : How to Succeed and Survive As an Entrepreneur
– How to Make 1000 Mistakes in Business and Still Succeed
As for grants, it is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business. And yes, grants mean PAPERWORK – lots and lots of it, that is why a cottage industry of grant writers was born.
Nonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov – these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.
Even if you buy books on “how to get grants” or list that supposedly has information on grants — all of them are mere rehash of what CFDA has, albeit packaged differently. But still the info is the same – hardly any grants for starting a for profit business.
Even SBA does NOT give out grants. From the SBA website http://www.sba.gov/expanding/grants.html
“The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments.”
Here is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business — THERE’S NONE.
Http://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show
Most of the federal grants are given to specific target groups with specific requirements (e.g. Minority business owners involved in transportation related contracts emanating from DOT – Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program
Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women’s Business Ownership Assistance that are given to those who will create women’s business center that will train women entrepreneurs
For private grants, you may want to check the Foundation Center’s Foundation Grants for Individuals Online. It’s a subscription based website ($9.95 per month) but their opening blurb only says that the database is ideal for “students, artists, academic researchers, libraries and financial aid offices.” Entrepreneurs are apparently not one of them, so I take it they also don’t have listings of private foundations who give grants to would-be entrepreneurs.
Http://www.cfda.gov
http://www.grants.gov
http://gtionline.fdncenter.org
http://www.powerhomebiz.com/vol66/grants.htm
http://www.sba.gov/expanding/grants.html

Donald asks…
searching for companies that give business lines of credit?
I was wondering if someone knew of someother companies that gives trade lines of credit without a personal gurantee? I have a small business and I’m trying to build my paydex score. Some companies are charging a large fee to supposedly give you acess to these companies. I already have places like kinkos but I’m looking for some others.

Jere answers:
Building your company DNB Paydex Score is a very important step that most business owner miss out. At our office we see small business owner obtain $35,000 and more in business credit lines through the use of their Paydex Score (typically 75 and higher). A business can grow the Paydex Score and obtain credit lines along the way simply by hiring a professional mentoring service.
Begin your search online via google or yahoo. Search for “strong business credit” (just like that in quotes) through the search engines and you will see that the Trade Line List (otherwise known as a Vendor List) is available for $400-$900.
Good luck.
Ilya Bodner
Small Business Owner
Initial Underwriting Group

Jenny asks…
how to start your own cell phone business?
Hi, I find an online retailer that sells cellular phones through wholesale for good prices, unfortunately, they say that they only ship to cell phone businesses. Can anyone help me start a cell phone business? I will be doing my business at home and selling phones online, that’s all. Thank You
Cell phone business like Im going to just purchase from the wholesaler and sell them on ebay. No indoor store or anything just a small and quick business. Do you know what I would need? Likwe which licenses?

Jere answers:
Before you can start your own cell-phone business, you need to make a few important decisions. You need to decide if you want to start an online store, a retail store or both. The good news that it’s relatively simple to start your own cell-phone business, but you have to decide which storefront works best for you.
Retail vs. Online : A brick-and-mortar store costs much more than an online store. The planning process takes more time because there is a broader spectrum of things to consider. Setting up an online store is less legwork but has its fair share of tasks. The advantage is that you work from home and have to deal with less business planning. For an online store, you would be more focused on building relationships and finding people to purchase your product. The difference is that in a storefront location, people will come to you, whereas at an online store you would have to go find your contacts.
Legal Considerations : Look at all the details of a business. Find out how to go about licensing and insurance for your business needs. The size of the building also would vary your licensing requirements. A major component to any street business is location; and don’t forget that the size and location of your store would set your insurance rates.
A starting point for your business is establishing contact with a phone distribution company and a reputable service company that wants to establish a relationship with an independent reseller. You need to get merchandise according to your budget and enough of it to satisfy your clientele.
A few additional things to consider when opening a retail outlet is the cost of employees, utilities and keeping proper stock levels. You also have limited product line due to corporate regulations that may limit the number of in-store products.
These restrictions help the Internet business thrive with online specials for phones and accessories.
Marketing and Advertising : Online business thrives on advertising market availability. It also assists in optimizing your budgets so that you do not have to buy all products such as wireless headsets, car chargers and other extras at once. One of two ways to start an online store would be to decide to open up third-party reseller it would be of best interest to get into marketing groups and making yourself well known as a business person in your community. As a retailer you would want to establish as many relationships as possible, and it would be beneficial to be known as an honest person. A retailer would want to retain business by doing good business as possible. You would also want to direct these people to go to your online store. Remember that you need to build relationships so people will come to you rather than someone else. You are promoting yourself along with your online business.
Important Relationships : Some important relationships are online distributors and other online resellers. The second way to distribute is through Sonopia, which is a new cell phone distributor in which you can offer your online customers several wireless packages based on personal situations or budgets. This allows a more user- friendly service in which you can set your own rate plans, and there is no charge to the seller when starting out. Basically, all you are doing is referring your friends, family, personal and online contacts. It only takes minutes to be come a carrier to the company. Another advantage of going with Sonopia is the fact that it is funded by nonprofit organizations offers 3 to 8 percent to the seller based on performance. This allows the seller to focus mainly on selling, rather than the leg work of setting people up with their service. These are various ways to pursue a cell phone business that will work to your advantage and help you to optimize your income.

Nancy asks…
How to apply for NEW Business Credit card or loan for LLC?
Hello, I have maxed out my own Personal cards for my new online Business but I STILL need her to build my Business, how can I get Business credit for my LLC ,, like a credit card or maybe a loan ? Thanks so Much!!

Jere answers:
A true business credit card is a line of credit that is taken in the name of the business, under the business’ credit. Activity, whether good or bad, is reflected on your business’ credit report through D&B and other financial institutions, and the liability for any debts incurred and bills owed is with the business.However, some companies out there offer “business” credit cards which they require a person guarantee for. These institutions will often ask for a personal guarantee, and will almost always ask for a social security number from the person applying for the card. If this is the case, the credit card is not a business credit card, but is simply a personal credit card which is used for the business. The business is not liable for bills and debts – you are.When applying for a credit card for your business, watch out for areas asking for your SSN (and not your TaxID or EIN) and be wary of any credit card that asks for a personal guarantee. By ensuring that your credit card is in the name of your business, you can help to build your business’ credit, while avoiding creating problems with your own.
Many companies offer a list of credit cards that are issued under the business name only. Those lists typically run $300-$900, depending on the quality of the information inquiring. I would suggest starting your search online via google or yahoo. Search for “strong business credit” (just like that in quotes) to find services that sell the information.
Good luck,
Ilya Bodner
Small Business Owner
Initial Underwriting Group
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Your Questions About Internet Business Plan

John asks…
Anyone with a format of a business plan particularly for a dvd hire, hair salon and internet cafe?
I have taken out books on the subject matter and am about to finish creating my business plan. I only need to seee the skelotons of these plans. Yr response to the issue will be of great appreciation.

Jere answers:
Www.google.com

Linda asks…
How to write a great business plan if I am an Internet Service Provider company?

Jere answers:
Business plans are quiet straightforward, simply list your short, medium and long term goals. The under each category detail the processes to achieve each goal
Aaron
http://www.letranslator.com

Ken asks…
How do I get my business plan to potential investors?
I have completed my business plan for a new internet, request based business idea. Are there companies that can be hired as a broker to attract investor capitol. How do I get my plan into the hands of the right people but protect myself from being pirated. I understand the use of a NDA but will I even get the time of day if I start with a NDA. Are there companies to help newbees

Jere answers:
Start off by going to the Yahoo! Home page and doing a search on venture capital firms.
What you are probably looking for is/are Angel Investors. These people are investors — not business operators. In general, they are not interested in stealing your ideas. What they are looking for is opportunities to get a big payoff when a business they invested in succeeds.
Don’t expect every prospective investor you contact to be interested. Some will be fully invested, some will not be interested in the industry you plan on operating in, some will think your idea and plan aren’t worth the paper they are written on, and so on.
Be persistent. Ask for feedback from everyone you show your plan to and if necessary, modify the plan.
Hope this helps
Jerry-the-bookkeeper

Susan asks…
What is the business plan layout? ?
I have researched on the internet on business plans layout.
However i won’t be using the business plan to sell shares of my business.
It is simply so that i can have a better understanding of how my business will work.
Can anyone give me a list of the sections to include or what to write?

Jere answers:
Here’s some stuff you must include:
1. Title Page
2. Executive Summary
3. Table of Contents
4. Introduction
5. The Company
6. Management Team
7. The Product/Service
8. The Market
9. The Competition
10. Sales Plan
11. Financing
You must especially talk about your marketing mix (the five Ps) – how you will manipulate them during different seasons to maximize profits. That’s very crucial. You must also talk about how you would obtain financing – either through stock equity (by selling stocks) or debt equity (by borrowing from the bank).

Michael asks…
what benefits and drawbacks exist of using the internet to complete a competitor analysis of a business plan?

Jere answers:
Lower cost is a benefit.
Unreliability of information is drawback.
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