How to Put Video on your Website: Video File Types

If you want to put video on your website you must have a good knowledge of the basic video file types. What video file type to use? what are the pros and cons of each file type? These are just some of the questions you should ask yourself before proceeding with video implementation on your webpages.

There are three basic video file types on the internet. Mpeg, AVI and Quicktime. I believe the Quicktime file type is the most popular since a lot of huge entertainment and news sites use it exclusively on their web pages.

AVI is the oldest of the three main file types. It is a windows oriented video format but it's not the most popular because of the sound and video compatibility and synchronizing problems. Because the Quicktime format can be used on either a windows or a macintosh computer, the AVI video file type loses it's popularity every day.

The mpeg format is a popular video file type that uses it's high output quality to increase it's popularity over the Quicktime format. Mpeg is used on video games, cd-roms and other media that require high output quality. One disadvantage of mpeg is that it sacrifices file size to gain in digital quality. The mpeg video files are usually large.

Another disadvantage of the mpeg format is that you really need time and sophisticated hardware and software to convert plain video into mpeg. And let's not forget that the mpeg format is not supported by apple and macintosh meaning that if you put mpeg video on your website, those users with macintosh will not be able to see it.

Quicktime is by far the most popular video file type developed by apple for macintosh users, but is also compatible with the IBM-compatible machines and the windows operating systems. The hardware and software you need to digitize video into the Quicktime format is very inexpensive, compared to the mpeg format. So its much easier and cheaper to create video and put it on your website using the Quicktime format.

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Watching TV on Pc

There has been a big trend these days on watching TV on Pc. This is a convergence between computers, internet (broadband) and the television universe.

Most of the people are using PC-TV to watch their favorite: sports, movies and many other programs not always shown on the local TV channels. With the emergence of Broadband, the quality has improved enormously, bringing high-resolution and crystal clear sound. We are talking here about PC TV-via-the-Internet and not TV Tuner card.

IPTV - Internet Protocol Television - is around the corner: BT and Microsoft having recently announced a partnership to deliver a range of services covering sports, entertainment and news direct to your home via the internet.

But you do not need to wait for this IPTV or Venice Project (by Skype creators).

Today there are many sites, proclaiming to provide you the necessary software and know how for enabling you to watch shows that otherwise wouldn't be available.

We have checked several of them. The first question is that real? Yes it is. In addition the cost is very low.

There are many sites offering you such a service, not all of them are good, but few are worth your money.

The one we consider to be one of the best is called watchtvpc.net. They are offering you a subscription of one year at a very low price and they give you all the needed software and instructions.

They have also a lot of updates. Weakness, they are not always Apple compatible.

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How To Effectively Market With Video On The Web

Online video publishing has indeed taken the Internet by storm in recent years, making the use of video for marketing, promotion, news and PR online a true key strategic component and a key business differentiator for internet marketers who want to communicate effectively about their product profile and benefits within the shortest possible of time.

Internet is full of information and the average attention span of a web user today is measured in seconds. When web users search for their information at a search engine, they will get thousands of search results; when they visit your website, they may only spend a few seconds and little efforts to scan through what you are selling or proposing and decide whether your content, style, look and approach are a good fit for what they were actually looking for. These first few seconds are crucial and if you can delivery clear and targeted message by offering a fast, highly visual way to get their further attention and engage their interest, you have done bingo.

Does this mean that you just need to simply put up 10-min video tutorial on your website or just slamming some video contents up on your web pages, you will instantly sell more products or services? If this is your way of marketing with video on the web and hoping to get high conversion rate of traffic-to-sales, you will more toward getting disappointments than good news.

In order to make your video to effectively market your products/services online and convey your product/service key traits and characteristics within a very short amount of time in a unique, memorable way. These are a few rules of thumb to follow:

1. Get Your Video Seen

If you want your video to be your effective marketing tool, it must be able to see by as many web users as possible. Hence, don't just keep and tight your video inside your web site borders. Let your video content be free and distributed to the majors video sharing websites such as YouTube and Google video so that not only others can watch and talk about it, but they can easily download it, redistribute it, if not even publish it directly on their own sites.

2. Small File & Load Fast

Statistics show that average web users spend their time waiting for a page to load is about 7 seconds. Web pages that take longer than 7 seconds to load, their visitors normally are on the verge of clicking away and visit other website. Hence, you need to make sure your video file is small enough, ideally less than 1 megabyte and load almost in real time to keep the interest your visitors. AVI is the most common video format, the file size can easily exist 10 megabytes for a short 2-3 minutes video; hence if you share your video in this format, you most probably will get "click away" from you visitors because of long loading time of your video file. Hence, you must get a video format conversion tool to convert your video to a more internet friendly format such as SWF format.

3. Let Them Know It's A Video, A Short Video

If the web users do not know that it is a video, they won't click it and play it; hence your video will get watch. So, you must let the web users know that the "box" is a video; the best way is to make it look like a video / VCR-like by having a play and stop button where the web users can click to play the video and stop it whenever they want to stop it.

Let the web users know also this is a short video. No one wants to sit through a 30 minute presentation on the history of your company; be focused on your products/services and deliver your messages preferable within 2 minutes.

In Summary

Effectively market with video on the web is not just slamming some video content up on your web pages, it more toward effective video communication through video publishing & sharing on the web.

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Create your own Streaming Audio studio for under $50.00

Creating your own Streaming Audio audio studio has never been easier. There are so many great products around today that will allow you to produce high quality streaming audio for a fraction of the price it used to cost.

HARDWARE

The first thing you will need is a compatible computer. Today every new computer is already set up with everything you will need. A basic sound card with a mic and line in jack. If you do not have a sound card they are very cheap and you can get a good one from any standard computer shop.

Next you will need a good mic. These come in all sizes and shapes with different configurations however a general all round mic like the Logitech Noise-canceling microphone is fine for beginners. I suggest you get a desk top one to start with, as you may want to move into video later and so you wont want a headset in your videos.

Of course you could go up a stage and get a preamp with a professional mic but this will start running into dollars and the whole aim of this article is to help you get started.

Next you will want to get some cables to connect up your tape recorder and other audio equipment. Again the computer stores now have packs that will connect up pretty well any device into your computer to digitalise your sound. You want to record directly onto your computer however you can get those old tapes and Vinyl records into a digital format also.

SOFTWARE - RECORDING

Recording your audio is probably one of the most critical parts of this process and again you can get software that ranges from free to many thousands of dollars. For this exercise I suggest you download the free copy of Audacity. This is an excellent free software package that will allow you to record from your microphone or any equipment you have.

It provides excellent editing capabilities and also will allow you to edit multiple tracks and then combine them into one single track. For a quick overview of how to do this you can watch this video and also download the software

http://mp3soundstream.com/Audacity_Tutorial_-_Free_Audio_Editing_Software.html

SOFTWARE - CONVERTING

The next piece of software you will need for your studio is a converting program that will allow you to convert different formats. For example you may have a real audio file and you want to convert it to mp3. dBpoweramp is like the Swiss army knife for the audio industry and will convert just about any file to any other file format.

Convert from one format to another, just about every audio type is supported: mp3, mp4, Windows Media Audio (wma), Ogg Vorbis, AAC, Monkeys Audio, FLAC and many others whilst preserving ID Tags. It will also rip CDs for you.

http://www.dbpoweramp.com/dmc.htm

SOFTWARE - REDUCTION

If you are going to stream an mp3 direct then you may want to recompile the file to a smaller format. RazorLame is a so-called "front-end" for use with LAME. LAME is a great MP3-Encoder, it's very fast, it produces high-quality files, has many advanced features (like Variable Bitrates and Joint-Stereo), and it's open source. Unfortunately, it is a command line utility, and that is where RazorLame comes in: It provides an easy-to-use graphical user-interface which makes MP3-encoding even easier!

The best way to use this software is to get one file and compile in a number of different formats to test the size against quality.

http://www.dors.de/razorlame/download.php

SOFTWARE – STREAMING

There are a few different ways of streaming your new audio files. If you have Macromedia products you can simple organize this your self however there are some great third party programs around that will do it all for you at a fraction of the cost.

MP3 SOUND STREAM

This is a simple piece of software that takes any mp3 or wav audio and converts the whole file into a swf file and then attaches a button so that viewers can listen on a web page without needing to download any extra software. This is because the flash plugin is on 98% of computes and if not it will automatically detect and load the small plugin. This is great for anyone not wanting to get into all the technical aspects of streaming audio.

You will not need to reduce your files at all with this program as it does it all for you. This is perfect for anyone wanting to stream one file at a time and wants to do it quickly and efficiently. It will stream even over most modem connections.

http://www.mp3soundstream.com

MSIJUKEBOX

For people wanting to stream a number of files then MSIJukebox is a great alternative. This software lets you choose any number of mp3 files and then organises them using an XML file. By using the above free programs you can significantly reduce the size of these files to save on bandwidth.

Because MSIJukebox streams the actual mp3 you can also have a lot higher quality playback including stereo files. This is much better for those wanting to stream a number of very high quality mp3 files.

http://www.msijukebox.com

SUMMARY

So there you have it. A complete studio set up for under $100. Just download all the free software and purchase any of the streaming audio products that you want. You can then create, edit and manipulate any audio files you like. You will also be able to add these audios to your website.

With the web surfer becoming much more "web savvy" than they were a year ago, they are expecting not only information but also an entertaining web experience.

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3 Things You Must Have In Order To Profit From Your Hobby

With over 70% of people who responded to a recent survey revealing that they were thinking about starting a business of some sort, working from home is becoming more the norm than ever before.

The problem for many people is that they don’t really know where to start and how to turn their dream into something tangible.

3 critical things you'll need in order to turn your hobby into a profitable business are -

#1 – A Positive Attitude

By far your biggest asset in turning your favorite hobby into a thriving business is a positive attitude. I think it was Harry F. Banks who said, “Attitude determines your altitude”.

If you are going to pursue your dream and make it a reality, you must have a positive attitude and the willingness to commit to what it takes to make it happen.

So many people start out on the road to turning their hobby into a business, and then at the first sign of an obstacle, they give up, often just before they start to see results.

A positive attitude will help you to break through the barriers and temporary setbacks and reach your desired goal.

#2 – The Determination To Succeed

Many people who fall in love with the idea of turning their hobby into a business are looking for an easy way out and at the first problem, they give up and let circumstances crush their dreams.

By developing a fierce determination to succeed, your chances of creating a profitable business are infinitely higher and you are virtually setting yourself up for success.

While there are not guarantees that you will eventually make it, having the determination to push on regardless of minor problems and find solutions is the mark of a true winner.

Determination and a positive attitude can work together to help a dedicated person succeed where others have failed

#3 – A Proven System

The final and some would say most important thing you’ll need is a proven system for marketing your products and/or services.

You need a step by step process that you can follow to ensure your success; something that other’s have used successfully to achieve the same goal you have.

It’s no use having an incredibly positive attitude and loads of determination if you choose a system that’s flawed and never had a chance of working in the first place.

Look for proof that other people have followed any system you are considering and become successful.

Unfortunately, many people waste money, and more importantly, valuable time, chasing the latest fad or scheme offered by unscrupulous promoters. Most of these schemes haven't agot  hope of succeeding, but people fall for them every day.

Don’t ever take the promoter’s word that it will work for you…demand unquestionable PROOF that many people, from all walks of life, have been able to use what he or she is offering to turn their hobby or passion into a profitable business.

When it comes to the system, results are the only thing that matters…

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Debt Relief Part 1

Most of us will face some type financial crisis in our lifetime.  It may be caused by personal or family illness, loss of your job, or just overspending.  Whatever reason, the first thing that must be done is creating a budget.

 Make an income column and list all sources and the amount of income.  If the income is from a salary at work, only include your bring home pay, not your gross.  Only bring home or net pay is available to spend.

Next, make an expense column.  In this column, first list what is called fixed expenses.  These are things that you have no control over.  Home mortgage, electric bill, insurance, vehicle payments,  taxes etc. are expenses that occur each month and must be paid on a timely basis.  Now, list all other things you spend money for each month.  Everything!  Yes, no matter how small amount or how insignificant it seems, it is an expense.

Look at the total of income and the total expenses.  The expenses probably scare you, but you can take control with some planning and possibly a little restructuring.
The next step, ask yourself is just how bad is the situation.  If it is minor, then adjust your budget accordingly.  The main thing is to make the budget and adjust and then stick to it.  Don’t fudge.  That will put you right back to where you were.  There is no instant fix.  You did not get her overnight and you will not recover overnight.  It takes discipline.

The focus on my business is teaching people to follow their dream by becoming debt free and remaining debt free.  We should not be a slave to our bills or debt.  Most programs deal with managing your money, paying the bills but remaining in debt, broke and unhappy.  I have discovered some cool videos that  is filled with FREE information that will train you to take $300 and turn it into $30,000 in 6 months.  That alone could get you out of debt, but there is even more video training available that could put you in financial position to retire in 12 months.  I know that sounds too good to be true, however it is possible.  You must believe you can do it and work at it until it happens.

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Do You Really Need Disaster Insurance?

The expenses involved with owning a home can be overwhelming at times - routine maintenance, repairs, seasonal preparations, improvements. Not to mention taxes, fees, and all those monthly bills. Some homeowners, in trying to reduce their expenses, wonder if they really need disaster insurance.

Disaster insurance is typically defined as additional homeowner's insurance to cover events like hurricanes, tornadoes, earthquakes, and floods. Home insurance policies typically cover hurricanes and tornadoes (review your policy to be certain in covers damage from such events). But often damage from floods and earthquakes isn't covered. This extra insurance, if desired, must be purchased in addition to your standard homeowner policy, and it can be expensive, depending on where you live.

Because disaster insurance can be expensive, it's a type of coverage some homeowners opt not to buy. But in some cases they are required to buy. For example, mortgaged homes in the US that are located in designated flood hazard areas are required to buy flood insurance through the US National Flood Insurance Program. Of course, once those mortgages are paid, there is no longer a requirement to buy such insurance. But homeowners in those areas should carefully consider whether they really want to take the risk that their home and everything in it could be swept away, leaving them with nothing but an empty lot. Homeowners that aren't in designated flood hazard areas should still know that floods can cause plumbing problems, like sewer and septic backups. These often aren't covered in a standard homeowner's policy, and they may want to consider an endorsement for coverage.

In the US, many tend to think that only the area along the west coast is subject to earthquakes. This isn't true however, and 39 US states have some potential for earthquakes. Coverage for seismic events can be very expensive in California and other western states, but homeowners in other states should evaluate the cost vs. the earthquake risk for the area where they live.

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Insurance Leads Services Pave the Way for Success

Insurance agents playing a numbers game are not playing with the odds in their favor when they are focusing on old-style marketing techniques. Without proven, cutting edge strategies; seasoned professionals and new agents alike will have little choice over investing their money in expensive marketing such as:

• Direct Mail
• Phone Dialers
• Fax Blasting
• Post Cards
• Seminars

While these techniques can provide an agent with options, they do not put them in front of prospects that want to buy their products. The top reason to use an insurance lead service is it promises to deliver what all of these marketing techniques can’t. Prospects who want to talk to them; want to know more about their products and services; and can increase their earnings exponentially versus their investment.

Agents working in the insurance business whether they are with a career company or working independently can benefit equally for the following reasons:

• Leads provide high quality prospects
• Prospects can be turned into sales
• Sales generate income
• Income increases profits and competitive edge

A lead service gets an agent started by pre-qualifying prospects and delivering those prospects to the insurance agent. These prospects are ideal because their service, while being a numbers game, does require interested parties. Instead of cold calling or carpet-bombing an area with direct mailers, the agents are put into contact with people who are already looking for what they have to offer.

Leads can play into the numbers game by generating a quantity of prospects that are already quality. Agents who understand their business know that the more people they see, the greater their chances are of making sales. The chance for making sales is increased even further when the prospects are actually interested in the service or product the agents represent.

Higher Interest Equals Higher Income

By diversifying their marketing investment to include a lead service; agents can literally increase their opportunities to close a sale. While the odds favor sales when using a lead service, the agent still needs to speak to the prospect and close the deal. By recognizing that prospects may be shopping their insurance needs for a number of reasons, the agent must demonstrate knowledge of their product or services as well as generous people skills.

Focusing their target market to prospects that are already qualified will limit the amount of time that might otherwise be wasted spent chasing the wrong prospects. When an insurance agent chases down the wrong prospects, they not only face discouragement, but also frustration and a loss of time they can ill afford to waste. While there are no magic cures to finding the perfect sale, an insurance lead service maximizes the opportunity.

Realize that over 90% of the insurance agents chasing the wrong prospects in the insurance business are out of business in less than 5 years. The average insurance agent generates less than $40,000 a year in income. Mounting frustration and time wasted contributes to that number. So if 90% are out, why are 10% still in the business?

The Ten-Percent Solution

The ten percent still in the business aren’t wasting their time on the wrong leads. They diversify their marketing budgets to include a lead service. That lead service gives them ample opportunities to speak to prospects that are primed to buy what they are offering. They are not treating their business like a numbers game. They are focusing on personally touching base with an interested market. They can then turn those interested prospects into real sales that generate real income.

Higher income gives an agent a competitive edge. A career company agent can improve their leverage and position within a corporation. This gives them the opportunity to gain promotion within their corporation. For the independent agent, this can increase their independence. They set their own hours; using their time wisely and still see their profits increase.

No matter what area an insurance agent is working in, a lead service will provide them with the best business opportunity to maximize not only their investment but also their time. Insurance agents, not limited by preconceived marketing notions, can still play the numbers game. The game they play, however, will be stacked in their favor.

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Supposition and Credit Repair

When it comes down to it, the majority of people are always assuming, and most of them assume the worst. Creditors or anyone today all base their theories on suppositions, and suppositions have forever caused failure. When people fail to pay their bills on time, many of the creditors suppose that the debtor doesn't have the ability to pay the debt. Many creditors with the supposition that you are not capable of paying your bills will sometimes make arrangements or lower the amount so that you can repay the debt.

This is one possible step to credit repair, however in this case you must contact your creditor to let them know your situation. If you have several bills on hand and all the bills are pressing, it makes sense to payoff the debt that benefits you the most. After this bill is paid you can set aside an amount the following paycheck to payoff another of the bills. If you follow this strategy it allows you to work your bills down gradually therefor repairing your credit.

If you don’t have the money to repay the bill in full, atleast pay the minimum so that you can continue using the service. Most debtors suppose they are in debt and there is nothing they can do to resolve the problems that ravage their lives day in and day out. Creditors are always on their back, and their paychecks are never enough to make ends meet. This is a process of giving up on life. When we give up it usually leads to stress. The answer is often right in front of them or comes to them sometime in the future. Sometimes we see Credit Counseling or Debt Consolidation advertisments and think, "how can they help me.” The fact is Debt Consolidation is only a lead to get creditors off your back for a while. Credit Counselors are more likely to help you find a solution to repairing your credit.

Credit Counselors can be the solution when you can't find a way out on your own. These professionals work with your creditors, and work toward a solution. This is absolutely a way to get creditors off your back, work out an arrangement with your debtors, and reduce the stress that comes with financial burdens. Some credit counseling services offer a low fee for their services and provide you with a financial managing solution. These services often offer help with managing your cash, as well as offering counseling to homeowners, students, and so forth. There are many solutions for debt relief so the key then is not assuming the worst. Again the important solution is paying off the debts that are the highest priorities. If you have secured loans it is always smart to find a way to pay these bills before any others. Unsecured loans can pose a threat, but nothing compared to secured loans or debts. Some of the nonessential bills can include credit cards. Although you are responsible for this bill, the worst that happens with credit cards is that you loose your privileges.

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Super Balance Transfer Credit Cards

Credit cards are a great way to spend money that you do not have and we all know that so it is nothing new to us. A credit card is a spending tool that many of us would feel as if we had had a limb cut off if we could no longer have one, would also ring true to a lot of people.

Start Making Money

There are ways to make money from credit cards, rather than them being a drain on your finances. One such way that many may do not know about is the 0% “Super Balance Transfer”, another step up from the 0% Balance Transfer, which lets you move your debt around to save you from paying interest charges. The 0% “Super Balance Transfer” allows you to pay other debts.

This is how it works, a 0% “Super Balance Transfer” can be used to pay off any debts that you have that are not credit card related. This is done by paying the money that you will get from the new credit card straight into your bank account, leaving you free to pay off any manner of debt that you have, this is where it differs from the normal 0% Balance Transfer facility.

You can pay off any debt that suits

This cash can also be transferred into your account even if you are free from any debt, which means that you can place your credit limit into a high savings account, then once the 0% interest period is almost over, you take the cash that the credit card company “lent” you and pay it back into and thus clearing the credit card debt. Always remember though that while this cash is lying in your savings account gathering interest you will still have to meet the minimum payment set by the credit card issuer, which is normally 2% of the balance or a minimum of £5.00.

The golden rule! Do not use this card to make purchases!

Once you have paid off the credit card you will be left with a profit for borrowing someone else’s cash, but what you have to remember is that you don’t spend on the credit card, this will only eat into the profits that are there to be made and could defeat the whole purpose of why you were doing it in the first place.

Finding the credit card companies who offer this service wont be too difficult, but most will require a fee to transfer your credit limit into your account, this will normally be a 2% charge to a maximum of £50, though you may find that a few credit card companies will not be charging as much as this.

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Successful Credit Cards For A Successful You!

There are tons of competing credit card companies around. For the consumer in you and me, separating the wheat from them tares among these companies will be quite an enormous task. What should one look for anyway when considering what credit card company to avail of?

As with most smart consumers, the key to finding the best credit card company is to stick with the best. Among the hundreds of credit card companies that exist, only about 10 to 20 can be considered truly successful. Identifying these companies will narrow down your choices to the select few credit cards that are worth applying for.

Here are some of the characteristics of successful credit card companies.

1) No Annual Fee – Some credit card companies are confident enough in their status that they do not need to collect annual fees. When you consider applying for a card, make sure you consider those that do not have annual fees first. Remember, if these companies that require annual fees are not content to make money off of the interest on your purchases, then they are not financially reliable to bank on. If the card you are looking at has annual fees, steer clear of them unless they offer some fantastic feature that you just can’t miss.

2) Extended Interest Days- Upon purchase of an item using your credit card, you will not be charged interest unless you are unable to pay before the set interest day deadline. The most successful credit card companies offer longer periods of grace. This means that you do no have to pay interest until that day comes. Often enough, the standard for this period is 25 days.

To avoid having to pay interest, you have to pay within 25 days after your billing statement. For large purchases that require numerous months to pay, you can swallow the interest for its sake.

3) Low Annual Percentage Rate – Some credit card companies offer low annual percentage rates. These companies can attract more customers because they have the financial clout to wag such a deal in front of consumers. Consumers will benefit from lower APR. Companies that offer lower APRs hint of larger consumer bases that make such offers possible.

If you plan to pay your balance on credit cards in full, the APR may not be much of a factor in your selection of a credit card.

4) Consult Feedbacks and Industry Profiles – most successful credit card companies are featured in business journals and other media. This will also give you an idea of who’s who in the credit card business.

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Adjustable Rate Mortgages – Determining Rates

Adjustable rate mortgages are to home buyers as carrots are to bunnies – very tempting. The secret to figuring out if an adjustable rate mortgage is a good deal is the rate index used.

Indexes – Setting Rates

Lenders really want your business and are willing to create enticing loan products to get it. Occasionally, lenders will offer adjustable rate mortgages that offer a lot of carrot on the front end, but none on the back end. These loans are typically offered to you with an insanely low initial interest rate, which has you looking at mansions and other structures completely out of your realistic price range. The problem with these loans is the rate rises dramatically after six months or a year when the rate becomes pegged to an index.

Indexes are a unique animal when it comes to the mortgage industry. An index is a calculation of general interest rates charged across a number of financial markets that a bank uses to set a real interest rate on your loan. Common financial markets or products considered in this index include six month certificate deposit rates at local banks, LIBOR, T-Bills and so on. Let’s take a closer look.

1. Certificate Deposits – Better known as “CDs”, these are the fixed time period investing vehicles you can get at your local bank. You agree to deposit a certain amount for six months and the bank gives you a guaranteed interest rate of return such as three percent.

2. T-Bills – Officially known as Treasury Bills, T-Bills are the credit cards for the federal government. Currently, Uncle Sam owes trillions of dollars on his and pays a certain interest rate on the debit. The interest rate is used by lenders in calculating your ARM rates.

3. Cost of Funds Index – It gets a bit technical, but this index represents the rates being used by banks in Nevada, Arizona and California as an average.

4. LIBOR – Officially known as the London Interbank Offered Rate Index, LIBOR is a popular index upon which to base ARM rates. Now, you are probably wondering what London has to do with the United States real estate market. LIBOR represents the interest rate international banks charge to borrow U.S. dollars on the London currency markets. LIBOR rates move quickly and can result in unstable interest rate moves for your adjustable mortgage.

Why Indexes Matter

Indexes matter because they set the base of the interest rates charged on your loan. Assume you apply for an adjustable rate mortgage based on a LIBOR index. Assume the LIBOR rate is 2.2 percent when you apply. The 2.2 percent is your starting interest rate. If the LIBOR shoots up one percent in eight months, your loan will do the same.

Importantly, the index rate used for your loan is not the interest rate you will pay. Instead, you have to add the banks margin on top of the index rate. Most banks will charge two to three percent on top of the index rate. Using our LIBOR example, the initial interest rate of your loan would be 2.2 percent plus whatever the bank is using as a spread. Obviously, this means you need to closely read the loan documents to figure out how the game is being played!

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3 Lifesaving Tactics to Stay Afloat In a Constantly Changing Marketplace

Let’s face the facts... old-fashioned marketing tools aren’t going to keep your business a growing and prosperous entity in today’s marketplace.  Hey, this month’s hottest techniques and information will be obsolete in six months.  Now, I’m not saying that old marketing principals can’t be upgraded and incorporated successfully, but as a rule marketers have to stay on top of the latest marketing trends.

If you’re wanting to stay ahead of your business savvy competitors you’ll need to implement 3 tactics to stay one step ahead.

1.  Watch For New Advertising Methods
You never know what will work for you unless you take the time to experiment!  Who knows?  The next marketing experiment you test may be a million dollar idea.  Keep your eyes peeled for the latest marketing news. 

It never pays to put all of your eggs in one basket.  Don’t neglect the tried and true marketing tools that have been successful in the past.  Invest about 20 percent of your advertising budget and time into testing for new marketing strategies that will increase your profits.

2.  Spruce Things Up
Don’t get stuck in a rut.  Yeah, you have products that have been successful for years, but what would happen if you gave them a “face lift?’ Would you attract new customers?  Would your old customers enjoy the change?  You’ll be surprised at what a new packaging will do for old product sales.

Sprucing up doesn’t have to stop with your products.  A few minor changes in the store appearance can bring new life to your place of business as well.

3.  Diversify
The more products you have to offer, the more insulation you have against the decline in popularity of one particular item.  Don’t go out on a limb, when you’ve got a good thing going.  Look for products and services that compliment your current products and services. 

Don’t let the speed-of-light changes in the market take your business under.  Stay afloat with these proven tactics.

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3 Key Secret Components For Wholesale Profit Success

Everyday it is getting more attractive to start selling wholesale items online and offline because of the profit potential many products carry. Now a days if you plan to make a part-time income or make a full-time living by selling wholesale items, you need to know three basic components that almost every seller online and offline do not use to their advantage.

In order to have success within the wholesale business you need to follow the three steps key components 98% average Joe marketer does not apply and fails to recognize as vital important factors for company short-term and long-term success as competition is getting heavier every day, such key steps are:

Key Component Number 1: Research. Product and market research both online and offline is a must for the initial start-up success of a potential profitable wholesale business.

You need to discover what wholesale items are profitable, which items are viable and saturated, item acceptance-nationally or worldwide, market population, item conversion rate, return on investment and competition research to name a few.

Know how to make this research before deciding to sell a product and more importantly, a wholesale item. Since when we sell wholesale, profits are less since we sell to merchants, retailers or clients and therefore need more research time to enjoy possible future profits.

Key Component Number 2: Test. Most successful businesses test their product and system before even starting to sell the main item both online or offline.

One of the tools you can use for your immediate advantage is the use of surveys. By using and completing a survey to a potential customer, you obtain valuable rapport on customer likes and dislikes about your idea, product or business concept. Use this free survey resource to your advantage before selling for immediate feedback.

Key Component Number 3: Take Action. Start offering the wholesale item for a fee and gather final conclusions if your item will or will not sell. By doing the proper research, testing and getting into an action process mode, you will win or lose money. No matter what happens in your sales experience with your new item, you earn profits or you gain considerable knowledge and experience.

Very importantly, you must take action with your new idea or recurring wholesale business venture as doing so will increase your experience and potential profit success within your niche and industry.

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3 Cold Calling Mistakes that Trigger Rejection

Here are 3 common cold calling techniques that you should probably avoid:

Mistake #1: Center the conversation around yourself and what you have to offer

In the old approach, you introduce yourself, explain what you do, and suggest a benefit or feature of your product. And then you close your eyes and pray that the other person will be interested

Unfortunately, the moment you stop talking you usually hear, "Sorry, I’m busy," or "Sorry, I'm not interested."

You see, you’ve started your cold call by talking about your world and what you have to offer. But realistically, most people aren’t all that interested in you. When you talk about your company and your product, it’s just another advertisement to them. You haven’t engaged them, so they often just "turn the page."

Prospects are much more interested in themselves and what’s important to them. So if you start the conversation by focusing on their world, they’re more likely to interact with you.

So instead, talk about an issue or problem they may need solving. Focus on them rather than on what you have to offer. And see where it takes you.

Mistake #2: Be confident they should buy your product or service

In the old cold calling mindset, you’re taught to focus on the sale and be completely confident that what you’re offering is something the other person should buy.

The problem with this approach is that you haven’t asked them to determine this along with you. So think about it – in the old mindset, you’re really deciding for someone else what’s good for them. I know this isn’t intended, but that’s exactly what comes across to your prospects.

So rather than being full of confidence and enthusiasm, stop for a minute and think about the other individual. Relax into a real conversation instead of moving into a persuasive strategy or sales pitch. Put yourself in their shoes and invite them to explore along with you whether what you have to offer is a match for them.

Others really can distinguish the difference. You’re inviting them to see if you might be able to help them solve a problem. This makes for a much better connection right at the beginning, and you’ll get that immediate rejection reaction much less.

Mistake #3: When someone brings up an objection, try to overcome it

You know, one of the reasons cold calling is so difficult is that sometimes you may not be very familiar with the other person and their business. When you make that first call, you don’t know very much about their issues, problems, budget, and time constraints.

Chances are, not everyone is going to benefit by your product or service.

So realistically, your company or product isn’t going to be a match for everyone. And yet, when someone brings up an objection ("we don’t have the budget for that," etc.), the old cold calling mindset trains you to "overcome," "bypass," or "override."

But when you do that, you put the other person on the defensive. Something they’ve said is being dismissed. And here’s where rejection can happen very suddenly.

So it’s much better to listen to their concerns and continue to explore whether what you’re offering makes sense for them. There are some wonderful phrases you can use that validate their viewpoint without closing the conversation.

So now you’ve discovered the 3 major cold calling mistakes people often make. See if you can shift away from those old self-sabotaging mindsets. When you do, you’ll notice that people will engage you much more, and the immediate rejection you’ve grown so accustomed to will happen much less.

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How to Make your Computer your Personal ATM

Do you think that ATM’s are only available at banks and credit unions?  Think again.  Your computer can become your own personal ATM machine.  How can you turn your computer into a money making machine?  Jump into the world of internet marketing.  An Internet marketing business is not only profitable, but can be started quickly and affordably. 

What should you do first to help you start an Internet marketing business?  You need to create a website that reaches millions of potential customers all over the globe.  There are hundreds of software programs, companies, and offerings out there.  If you are not familiar with Internet infrastructure then you may have a difficult time trying to find the right company to host your website.  We have taken the confusion out of this situation for you by providing references for the best software tools to help get you started.

First, you will need a domain name.  Domain names are the text that users will type into the Internet to access you website.  Think carefully about your domain name so that it is relevant to your product or service.  Once you have a domain name in mind, you need to make sure that it is not taken.  You can type it into your Internet browser and see if anything comes up.  However, it is good to check this through the domain provider we recommend which is www.godaddy.com.

When you purchase a domain name at www.godaddy.com, make sure that you only purchase the domain name and none of the extra services.  Godaddy has a tendency to jack up the prices on these services when you can find them much more affordably at www.frontierpowerhosting.com.

Frontierpowerhosting.com will be your web hosting service.  This web hosting Service Company is top notch because you receive your OWN IP address.  It is critical to have your own IP address so that your emails are never blocked due to an email spammer that has the same IP address.  Frontierpowerhosting.com also has excellent customer service phone support.  In addition, Frontierpowerhosting.com provides an “Email Tracker” feature which enables you to track your emails.  Frontierpowerhosting.com also will provide you with information regarding the deliverability rate for any emails you send.  This information will help you tailor your marketing efforts.

Next you will need to setup a “smart Autoresponder”.  A smart Autoresponder is one that automatically sends emails or forms to users in order to capture their personal information.  Make sure that your Autoresponder captures the following information:  first name, last name, email address, time and date stamp.

An effective smart Autoresponder is called “Auto Responder Plus” which you can find at www.arp3.com.  Auto Responder Plus is software that you can download on your web hosting account.

Once you have these tools in place, you are ready to create your website.  Change your personal computer into a cash cow today!

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“C” is for “Creative Catalogs”

A lot have changed in the market over the years – a tough economy, rising prices of goods and customer’s need for high quality products have imposed new demands on businesses. Evidently, the need for helpful, reliable information has never been greater. Catalogs have always been a great source of product information. When people need to buy a product they refer to catalogs to guide them in finding the right product at the right price. But increasing sales does not necessitate creating the perfect catalog. A relatively small improvement in your catalog can already result in a proportionate increase in sales and profits.

So before you print your catalog, make a careful analysis of your old catalog. Pick out the flaws in it and try to improve it. Gather all the letters that you received from your customers and look through their criticisms, suggestions and comments. These may be a big help in designing a better catalog. And as you are designing your catalog think of your customers and the reasons why they would want to buy your product. Think of what they want and what they need and use this in creating a catalog that accomplishes your customer’s desires.

Thus, to create a striking catalog use color combinations that are attractive and pleasing to the eyes. You can use full color in the cover and two colors in the inside. Keep in mind that people respond better and remember longer good-looking catalogs so make your color choices carefully. Likewise, to attract new customers you can add new products and information to the products featured in your catalog. For instance, you can feature bizarre items, include exciting products or include unusual facts about specific items. You can also include information on how to use the product, maintain them and operate them. This information will help your customers significantly and as a result they would keep your catalog for future references. In addition, this would increase customer confidence to your company thereby increasing their inclination to buy.   

If there are products in the old catalog that are unprofitable then perhaps you can promote them more strongly in your new catalog. But if it doesn’t really sell, them you can get rid of them or replace them with new items. You need not place them again in the catalog as they can be a nuisance there.

When you are ready to print your new catalog, make sure that you get the services of an experienced and knowledgeable printer with a reputation for quality and reliability. Your local print shop may be able to do the print job for you but there are also printers online that can do it for low prices, easy ordering and instant price quotes. It is up to you to determine which printing service to avail.

So give your business a distinctive personality and create catalogs that can be a special marketer in the minds of your prospects and customers.

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'Shifts' to Help You in Times Good or Bad

Six months ago, the economy was roaring. Stock prices were going up, interest rates were staying low, unemployment was down. A few months later, those indicators all were going in opposite directions. Now, it's hard to tell from day to day where we stand.

I'm optimistic that the current situation is a short-term one, and that long-term prospects are for growth and good times. But that doesn't mean that there won't be dips, sometimes deep, along the way. The question is: Are you positioned to take advantage of the good times and navigate the bad?

You have to expect one as well as the other. Fortunately, there are "shifts" you can take that will serve you well during both.

1. Get out of debt. The quicker the better. You can't take advantage of opportunities when you're mired in debt. And there are opportunities in both good times and in bad. In both, debt keeps you from profiting from the opportunities that present themselves. In bad, it magnifies the negative, as the cost of money increases and debt service becomes an ever-increasing portion of your expenses.

2. Think globally. No longer can we afford to think and act locally. We must have a broader

vision. We must think about how our vocation, our business and our industry will operate in a global economy - because it already does.

3. Be entrepreneurial. This is the age of the free agent. Even if we are and plan to continue working in a larger company or organization, we must at least think like an entrepreneur. We need to be "in-trepreneurs." Seniority and experience does not have the value that it did. Producing results - and profits - is what matters.

4. Become a capitalist. The wealthy own assets, the rest own liabilities - things that cost money to own and maintain. Capitalism is not a dirty word. A capitalist, by definition, is someone who owns assets - assets that produce income. Stock, equipment and businesses are assets that generate income. In America, 80 percent of all millionaires are self-made. Be one of them.

5. Be flexible. Things are moving at a rapid pace. This demands adaptability. Things will not remain the same, nor will they go back to the way they used to be. We must be willing to change directions quickly. It's dodge and weave time. It is time to embrace change. Shift happens!

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$3 Million in 6 Months With Adsense!

This is the first in a series of Internet Success Stories that you will begin to see on the Power Play Blog. Hope you enjoy them!

Markus Frind, the creator of Plentyoffish.com is a success story worth noting, as he has managed to take a niche formerly ruled by giant corporations and give it his own brand of marketing savvy. A case of David vs. Goliath, where the little guy comes out on top in the end. Markus is the top "individual" adsense publisher in terms of pageviews. Lets find out what some of his secrets are as he shares some advice with our readers. Feel free to comment!

Markus, what is your experience in computer programming and how did it prepare you for becoming a webmaster?

The average pageviews a day is around 14 million for the last week. I'm getting another 80 million pageviews a day from users polling the site to see if they have new messages. Really intensive bandwidth wise!

When I go to your website, I notice that the ads are targeted to my region, yet I have not even registered- can you explain to our readers how you accomplish this feat?

I'm just using ip2location.com- Basically i take your IP, look it up in the database and it tells me what your city is. I then bring up a list of users in your city, nothing magical about it at all.

Are most of your visitors coming primarily from search engines (SERPS), or are you finding that they come from other avenues? Do you actively advertise in the media?

Search engines account for something like 2% of my traffic. The vast majority of my traffic, like any other site with over 5 million pageviews a day comes from word of mouth, and repeat visitors.


The services on your site seem to be offered at no cost to the registrants. Is there some advantage you have over your competitors that allows you to do this?

I've developed new algorithms that allow me to create a mega site for next to no cost. Several years ago I created algorithm that was thousands of times faster then the algorithm used in the 1990's to find a string of 22 prime numbers. At the time a professor used several super computers and hundreds of regular computers over the course of several years to find a record. I did the same thing on 1 computer in 2 weeks.

Fascinating! Are there any other sites you currently maintain, or is plentyoffish.com the only one?

Its the only site at the moment. I've got a few other sites I registered for friends so they could learn to do marketing/affiliate stuff. At this point i think 1 site is enough.

Any tips for those looking to create a profitable endeavor on the internet?

IF someone else thinks what you are doing is a cool idea I'd say it isn't... Find something no one else thinks is important and build up a site with big traffic in that area. Also keep in mind, sites that have low monetization today but have traffic may be the gold mines of tomorrow. In the internet world anything and everything will be monetized at some point and traffic is king.

Traffic is King- very wise advice, Markus. One last question- How do you find the time to maintain such a large commodity on the internet? Surely you must have some other interests in life besides programming and website monitoring?

It only takes a hour a day on average, but its very tiring work. I spend the other couple of hours reading and seeing what is going on.

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