Bankruptcy New

By Raul Levine

 There are quite a number of reasons why business owners choose to obtain business credit cards, but recent studies confirm that business credit cards are viewed most useful for keeping business and personal finances separate. Business owners say that their primary reason for using business credit cards is to avoid their business expenses from getting mixed up with their personal expenses: Using business credit cards separates the two, thereby contributing towards maintaining the integrity of their accounting records.

90% of all small business owners use business credit cards purely to make business related purchases, with more than 90% indicating that the primary need for business credit cards is business travel. They believe that airline flights, car rentals and hotel stays would be cumbersome without business credit cards.

Perhaps because of this close association between business travel and business credit cards, you won’t be surprised to hear that almost a third of the business owners consider cash back rewards as the most attractive feature, while one-fifth values the frequent flyer mile rewards most. To a lesser degree, the ready acceptance of business credit cards by vendors and suppliers was deemed to be an important consideration. Business owners are also happy with the ‘no annual fee’ feature offered by most business credit card issuers.

Business owners tend to use their business credit cards with very specific purposes in mind and are more conscious about settling business credit card balances in full. According to recent surveys, 63% of all small business owners execute their credit card payments in this manner to avoid finance charges. By comparison, only 40% of all individual Americans pay their full outstanding balances every month. This means that small business owners are less likely than their individual counterparts to accumulate interest fees on their business credit cards - a fact that issuing banks may not like since they earn their profits from interest charges. Business owners would advise you to pay your business credit cards in full or don’t use them.

Interestingly, nearly half (46%) of business owners thought that interest rates and related terms were their most important considerations when they applied for business credit cards. They indicated an appreciation for the temporary cash flow assistance that business credit cards provide, but expressed a dislike for paying interest fees and for debt accumulation. This concern for interest rates and their diligence in paying off business credit card bills to avoid fees implies that credit card companies do not make much money from small business owners.

Most business owners find one - or at most, two - business credit cards sufficient for their purposes. Compared to the average American who holds four to eight personal credit cards, the survey found that the average small business owner only has one or two business credit cards at most.

In fact, 86% of small business owners believe their business credit card spending limit was high enough for their needs and that too many business credit cards would tempt them to spend more than is really necessary. This attitude towards credit limits and multiple credit cards may be because small businesses, unlike ordinary individuals, do have access to alternate sources of debt financing - something that the ordinary individual does not.

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Differentiating your Business Card

By Francesco Pratt

 Every business or individual who wants to be perceived as professional must have a business card. Without a business card, it’s like saying you don’t want your business to grow or you don’t want people to acknowledge that your business exists or you do not wish to spread the word about your business -you are not proud. Being a reader of this article, I suppose you don’t need further elaboration on the importance of a business card to someone’s business. Since you know that why, I’ll now explicate on the hows and whats in creating an effective business card.

I have encountered quite a handful of unconventional business cards; cards that have broken free from the standard size and shape. There are also those I’ve seen that are made of different kinds of paper, not your typical flat-looking cardboard-type ones. In other words, you have more options now in creating a unique, groundbreaking business card than how it was years ago. In addition to this, a couple of years ago, the business card printing business has exploded online and now there are just a long list of online printing companies to choose from! The question you will need to ask yourself now is: Do I need a fancy business card or would it be better for my business’ image if I went with a conventional looking one? If you were a lawyer, would you like to have a business card with vector images and semi-bright colors and printed on translucent paper stock? I didn’t think so. If you were a Club Events Coordinator, do you think people would see you to be a person of fun if you handed them a horizontal 2×3.5 card with black fonts on a white background? I didn’t think so either. The point I’m driving at is that you should choose the materials, shape, color and design that would be appropriate for your business. Smart, professional colors for a more formal impression, bright colors and a whacky design if you wish to exude the sense of fun and creativity. Of course for those wishing to leave a formal, professional impression, remember to incorporate something on your design that will leave a mark on your customer’s mind. Make them remember you.

In making your cards, make sure the font sizes, colors and styles are easy to read at the same appealing to people. It would completely defeat the purpose if people would have a hard time making out what’s written on your cards when your primary purpose in having one is to clearly deliver the message of your business to them.

Another factor you must remember is that your business card has to be worth keeping. Nobody wants to keep a crappy card stowed away in their wallets. Have your cards made to fit a king’s liking and people would treat it with the same care. Before you hand out your card, make sure it doesn’t have rough, torn-like edges or anything that would give people the impression that you don’t give that much significance to your business cards. It would probably give off the impression that you don’t treat your business and clients with the same dignity and pride.

A business card may provide you with only a seemingly insignificant amount of real estate to communicate your message but this is still the best proven way to get clients-with the higher likelihood of you getting your message with the added benefit of your personal interaction, too-inside and outside the office.

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Free Targeted Web Traffic

By Ollie Donovan

 No matter what opportunity or product you promote via the internet you do not have a business unless you have customers. One way to increase sales is to increase your customer base, this means more visitor traffic. If you are not interested in free web traffic, congratulations, you must have deep pockets or all ready have more than you can handle. For those who are interested in free web traffic, read on.

Just getting large numbers of visitors to websites is not enough. These visits have to turn into sales. A chance or uninterested visitor is little better than no visitor. Every site needs targeted visitors. Your site needs people who have seen your message and have had their interest peeked. With a targeted market approximately 3 visitors for every 100 will make purchases. Without targeted visitors this conversion rate drops significantly.

Throughout this article you will encounter numerous ways to increase your web traffic. This traffic will be well targeted free leads, all through online marketing methods.

Do you like to be sold, or pushed into a sale? Like most the answer is a definitive NO. One of my mentors has instilled in me the importance of building relationships as apposed to selling someone. Once the person gets to know, like, and trust you they will be more willing to join you in your opportunity or buy product from you. Remember, know, like, trust, buy!

Free Traffic and Message Boards

Relating this principle to free internet marketing, I suggest you visit message boards. These boards are so effective that I still receive requests and referrals from posts made over a year ago. Visit various boards post messages, meet people, ask questions, share your wisdom, and words of encouragement.

Suggested tips to keep in mind when posting to message boards. Remember you are there to build relationships, you want people to know, like and trust you.

Do not spam: - do not post the same thing over and over

- post something meaningful and relevant to the conversation

- do not advertise unless otherwise specified

- do not participate in negative postings about others (criticize or flame)

To make the most of message boards and insure highly targeted traffic to your website:

- select boards that pertain to your product or opportunity

- get your name out and popularity up, post a response to a question or simply post a question yourself

- include a signature file with your name and URL, no email. This can be placed in the profile page. It is a good idea to set-up a second email because, you will get spam

- spend one or two evenings a week posting on several different message boards

- be genuine, helpful, and try to learn a few things

- HAVE FUN and MAKE FRIENDS

Free Traffic and Traffic Generation Sites

Traffic generation sites can be good and bad. Most are not worth your time, however, there are a few good ones, so choose with care. I recommend Traffic Swarm. This site is better than most because people select a site from a list in topics they have selected to view ads from. An ad is then chosen based on a tag line and a short description you have written. If the visitor wants credit for their selection you have their attention for a minimum of 20 seconds. After that they may click another site without penalty. Again this is that target traffic so necessary to success.

These tips should get your going. Part 2 will gome along soon.

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