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Considerable Factors Involved in Product Creation & Marketing

The niche you have chosen should allow creation of more than one product or service. With the technological advancements in the hosting industry, from automated control panels and scripts that simplify creation of accounts, to complete turnkey solutions; there is no need to worry about spending time on the real products sold to the customer. The main ones are keyword selection, sales copy principles, graphics, affiliate programs, product creation, online payment processing, auto responders, and search engine optimization.

Once you’ve earned money from this type of information product business, you can invest in the creation of your own products if you want, or start offering more informational products that allow you to sell your knowledge. But the creation and production costs of a similar big ticket in sequence product, although higher, are still pretty low. A key by-product of this process will be the creation of 3-D, Computer Assisted Design art.

The Association for Financial Professionals permits the following activities for repatriating funds: Research and Development activities, advertising and marketing programs, hiring and training new recruits, acquiring patent and other rights to intangible property, improving transportation, funding capital investments with the purpose of job creation and job retention & funding product responsibility or environmental claims.

It prohibits certain activities like: Tax payments, Payment of executive recompense, Payment of dividends, Redemption of stocks, Debt investments and Portfolio investments. Therefore, before repatriating the money, you must consider whether it is worth or not.

Checklist on what artist and product development necessitate includes: Exceptional vocals, musicianship and/or songwriting skills, Continued education and enhancement of musical skills, Quality equipment, Performance ability, Image creation and maintenance, Plan of action, goal setting, excellent promotion materials including photographs, press releases and artwork, Business management skills, Marketing, Publicity and Promotion knowledge, Online and Offline Professional management, Basic knowledge of recording, producing, engineering, and mastering, Basic knowledge of manufacturing, distribution, and sales online, brick and mortar and air-play, Good choices in members, staff and advisors, Physical and mental preparedness, Basic knowledge of finances, accounting Law and legal issues etc.

The goals for doing so are for the product owner to: Communicate the whole, Determine and communicate when releases are needed, Determine what functionality is sufficient for each release & focus on business value derived from the releases. The delivery team on the other hand will see the whole, learn about the steps to realize the vision, learn the business priorities, provide technical input to the roadmap and provide estimates for the projected features. The salesperson must lead the prospect through the various decision criteria needed in order to secure a sale. Whether your idea is the development of a product, launch of a service business, or even the creation of an event or program for a non-profit, creativity is the root of all entrepreneurial efforts starting with the vision itself.

People quickly learn to spend their time on marketing and product creation, rather than repetitive tasks. Apart from empowering companies and individuals, there should be a particular focus on identifying labor intensive businesses that have the potential to make a significant and positive impact on employment creation as well as those businesses that have a product or service offering for export markets with the final objective of booming local economies.

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Investment Options – Is Your Advisor Giving You the Information Needed to Succeed?

How soon would you want to know if your investment advisor wasn’t telling you about the three major investment types? If you’ve only heard of two – Variable and Fixed, then you may have a problem.

Unfortunately, many investment advisors routinely fail to present all three types: Variable, Fixed, and Indexed as valid investment choices to their clients. This is normally because they are unable to offer all three options or they have a personal dislike for one or more of these investment types.

So what is the difference in these investment types and what do the terms mean? The simplest answer is that these terms define how interest is earned on your investment. More specifically, it tells you how your money is invested and if your money is protected from market fluctuations. Let’s take a look at these various investment options.

Variable

A Variable investment is one where your money is typically invested in stocks or mutual funds. The performance of these stocks or funds varies and is not guaranteed – hence the term “variable investment.” Variable investments have many key benefits. They allow you to earn interest by investing in a single company (individual stock), multiple companies, or a specific segment of the market (mutual funds). You can even invest in an entire Index like the Dow Jones or S&P 500. Also, variable investments allow for the greatest return and historically have outpaced all other investment options.

Sounds pretty good, right? It is, as long as you have the tolerance to lose money as well. The volatility of variable investments is a major concern for many investors. The “upside” or growth potential is nearly unlimited, unfortunately so is the “downside” or risk of losing money.

One other adverse factor that Variable investments face is the cost. Most have either fees or loads associated with the underlying investments. These fees or loads can reduce the performance by as much as 3.5%, although 1-2% is more common. These fees or loads are applied even in down years so it is definitely something to consider.

Fixed

A Fixed investment offers a pre-determined or fixed interest rate for a specified period. This is most commonly seen with bonds, CD’s, annuities and universal life insurance products.

Fixed investments have three major advantages over the other options. First, they provide a guaranteed or known interest rate that is disclosed prior to making your investment. Second, fixed investments are generally designed to protect your initial or principal investment.

A Fixed investment also has two major pitfalls. First, because they provide a known or guaranteed interest rate, they generally provide a lower rate than what may be available when you’re willing to risk your principal. Second, they normally have restrictions or penalties associated with any withdrawals made during the fixed interest rates term period. This is especially true with CD’s and annuities.

Overall, Fixed investments can be a great option for those not willing to risk some or all of their money, older clients using the investment interest to provide or supplement their income, and clients looking to provide a hedge against other, more aggressive investments.

Indexed

Unlike Fixed and Variable investments, Indexed investments are somewhat unique to the insurance and annuity marketplaces. An Indexed investment shares traits of both Fixed and Variable investments, but with one major difference – how interest is earned.

With an Indexed investment the underlying funds are not directly invested in the stock market or an Index, nor are they directly invested in a bond, CD, or other fixed investment. They are however, secured by bonds or other conservative investments which provide a minimum guaranteed interest rate similar to a fixed investment.

Generally, this minimum or fixed rate is lower than what is available in a purely fixed product. This is because Indexed products offer a higher maximum interest rate over Fixed investment products. The Indexed products determine the maximum interest earned using a formula based on three factors, all part of an option purchased by the insurance or investment company. They are the participation rate, the cap rate, and the reset period.

The maximum interest earned provides “upside” potential while at the same time eliminating “downside” risk. In essence, it is like having the growth potential of a Variable investment with the “downside” protection of a Fixed investment. There is however a trade-off.

An option, sometimes referred to as a call or put option, provides investment returns (interest earned) based on the growth of a specific market Index like the S&P 500 or Dow Jones. The option allows for lower initial costs, a pre-determined strategy for establishing current and future interest crediting, and ensures that money can’t be lost due to market fluctuations. The option also caps (limits) upside potential or growth.

Many opponents of Indexed investments point to this limiting of growth, especially in years were the Index or stock market exceeds the Index (option) cap or participation rates, as the Achilles heel of these products. There is also some controversy over the way the Index rate is determined in future years.

While Indexed products do have a minimum cap and participation rate that is known for the entire term period, the current or maximum cap and participation rates normally reset on an annual basis. This makes it difficult to determine what will happen in subsequent years. Some advisors avoid these products claiming that the difference between the current and minimum rates creates client confusion.

No matter which type of investment you choose, it is important to get the facts and options available for each. Each of the investment choices outlines provides different advantages that need to be weighed against their disadvantages, however they all have different uses and can all be viable choices when planning your financial future. As always, it is important to consult your “Financial Professional” to find out which of these investment choices is right for you.

Home Based Business That Really Works

Are you like one of the many Americans who, like me over 18 months ago, are looking towards the internet and pondering the idea of starting your own Home Based Business? I know the thoughts that are flowing through your mind, can this be for real? Is it actually possible to buy a franchise of a business, learn to operate it and have it really work and generate money for my family and I, all while I am comfortably lounging around in my own home?The simple straight-forward answer to your question is Yes. Absolutely and there is really no better time to start than now. I know you’ve heard that one before, but in all seriousness, there is no better time than now to take ACTION on anything in your life. It could be fitness or family oriented, as long as your taking action on something in life your gaining experience and knowledge. That is the key and much like all home based businesses, it takes action to make them work, and massive action to make them really work.To many people join business that they feel will earn them money right from their couch at home while they watch their favorite TV show. For some reason people think it’s the “easy” way to make money, but in all straight honesty, for most people its not easy at all. Usually big sacrifices are made, the learning curve is sharp, and putting yourself out “there” on the internet can be very intimidating for most. But…those who commit and push forward building on each failure as a learning block to the top of the stairway of success, succeed.If you are looking at a home based business that really works and generates an income that can replace your current income, do not look for the “quickest” or the “best” business out their. Don’t follow all the hype, and don’t buy into the “now is the best time,” because like I said above, it’s always the best time! If not this month maybe the next, or not this year, but maybe next year. It will always be the best time to start a home based business.I have two suggestions I recommend when investing into a home based business. I take that back…I’ll give you three.#1. If you are going to invest in your FIRST home based business, don’t invest over $1000.00 dollars UNLESS you are EXTREMELY driven, motivated and PASSIONATE about that particular business. I would recommend aiming at the $500.00 dollar area for your initial go. There is A HUGE amount to learn in the industry and using your initial start up capital for marketing education is more important than a business that you don’t even know how to sell.#2. Find someone who is selling the business (yes selling, you can also refer to them as a rep but they are getting the commission) who you TRUST and feel is a good LEADER. Also, before you invest, get the person on the phone, have a few conversations with them, find out what kind of bonuses they may include for you if you decide to join their home business. There are always bonuses in the Home based business industry.#3. Take some time, days or weeks, and really research and learn as much as you can about the company or companies you are interested in. Do your do-diligence and gain as much information as possible so you feel comfortable and begin to build a passion for the company. Because being passionate is a main driver that will make your new business really work and generate the income you desire.Now that you’ve had more information and you understand you company, started a relationship with your “Leader,” not up-line, and feel comfortable that this person will be able to show you the right tools for you to learn, NOW take ACTION and build your new home business right from your couch. Go ahead, make the investment and build the home based business that really works; make your dreams come true.