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Online business alliance (oba) – “stacked income”

Online Business Alliance (OBA) – “Stacked Income”

If you’ve ever purchased an ebook or an online business opportunity, presented by compelling sales pages with copywriting that lured you in like a big red fish, only to be completely disappointed, you ought to read this.

You know how they do it.

It starts with a big red headline using an impact font that captures your attention. For example, “Who else want to make X amount and finally learn the secret to making money online?”. Something like that.

Next, they try to reel you in, pull your strings and make you feel as though you are not doing everything you can to support your family. “Take action NOW!” “See you on the other side” they say.

How many times have you heard that?

You send them your $49.95, you reach the other side, and learn that the secret to online marketing is writing articles and posting in forums. Do this consistently and you can ride off into the sunset.

If you are like me and don’t give up, you should read “Stacked Income” by Dave Gray. It is well worth every penny. In fact it costs 500 pennies ($5).

Mr. Gray is a distinguished business man with a fresh, real world approach to Internet marketing. He is the founder and administrator of the Online Business Alliance (OBA).

One of the main points is that Stacked Income” is not another name for “multiple streams of income”. Gray explains in detail how “multiple streams of income’ never work and contrasts that to his stacked income formula in a step-by-step methodically way.

Another important chapter covers the fallacies involved with “the money is in the list” approach. How many times have you heard that? Dave Gray squashes that theory as well and explains why in a no nonsense businesslike approach.

When you purchase “Stacked Income” or any other of Dave Gray’s products for $5, you are automatically provided an online business opportunity and membership to the Online Business Alliance (OBA). Basically, it’s an invitation you can’t refuse.

Once you’re inside the OBA, it is also a step-by-step process. You can leave and come back, but you can’t skip a step. This helps everyone.

Speaking of help, there is tons of it in the forum and Dave Gray will answer your questions personally if necessary. Everyone in there is friendly, knowledgeable, and helpful. Absolutely no one will try to sell you anything or try to get you to do this or that. The help is truly genuine.

There is a lot more to the Online Business Alliance and “Stacked Income” than selling five dollar ebooks and digital products. While that is a lucrative business for many and the product line continues to expand, the business model outlined in detail in “Stacked Income” is the exciting part.

This is not the same old same old ebook with the same reused, resale rights content with a new, spruced up ebook cover. This is proprietary and revolutionary new information that will prove to be the future of Internet marketing for the foreseeable future.

Obtain a connoisseur insolvency service

Obtain a connoisseur Insolvency service

Levi Consulting is the only place where you can attain an professional insolvency service, easily. A squad of thorough specialists and experts are operating at the Levy Consulting. They work personally with all their clients in order to supply them excessive satisfaction. They can effortlessly conduct all the tribulations associated with insolvency, liabilities, enterprise issues and levy. They are proficient in bestowing sensible levy consulting. The insolvency practitioners conducting at the Levi Consulting are excessive professionals. They are skilled enough to balance all the obligations of the creditors.

Levy Consulting undertakes the study of the fiscal situation of the owners. Unambiguous consultancies are bestowed by the insolvency practitioners to their consumers. This helps their clients to improve the position of their corporation. Many new commerce have been salvaged due to the professional counsel and execution of the Levi Consulting. Planned administrations are offered by the Levy Consulting in order to have a speedy recuperation of these businesses. Even, Levy Consultancy gives frequent preparations for the revitalization of enterprise. Impermanent insolvencies are conducted by the insolvency practitioners of the Levi Consulting very rightly. Court chosen bankruptcies are also administered fittingly by the professional insolvency practitioners. Even deliberate insolvencies are managed properly by the Levi Consulting. Levy Consulting undertakes the private appointments as a part of their receivership services. Even the conservatorships that are agreed by the court are conducted aptly by the Levi Consulting. The wealth disputes are also all embracing in the  of Levy Consultancy. Alliance matters are also easily sorted out by the Levi Consulting. All sorts of trusteeship fixed by the courts are handled by the Levy consulting. The Levi Consulting provides appropriate monitoring in all the departments of the business. They also explore abundant fields in order to find out a suitable way to restore the position of the enterprise. Casual work outs are amongst the forte of the insolvency practitioners of Levi Consulting.

If you are overburdened with overload arrears and find it impossible to repay them back, then you must contact the Levi Consulting for some professional assistance. Your troubles could be effortlessly dealt by collecting expert insolvency services from the insolvency practitioners of Levy consulting. You can also attain facts about IVA from Levi Consulting, which would absolutely help you to convalesce your market standing. All your debt harms could be effortlessly trounced with the specialist insolvency services of Levi Consulting. All you arrears would be consolidated into a solo lending and so you just have to make the refund for that only lending. Even, your rate of interests would reduce down. The conditions and period of reimbursing the monthly installments would also become more suitable with the help of the expert insolvency services of the Levi Consulting.

Only two ways to grow your business

Only Two Ways to Grow Your Business

There are two, and only two, ways to make your business more profitable. You either need more money coming in or less money going out, period. Here’s a simple business management tip; if financial growth is your objective, then the entire organization must be focused around one of these two attack plans.
More Money In – Top Line Growth

How do you get more money coming in the door? You sell and deliver more things. When you break it down further you find there are only 3 ways to get more money coming in:

1. Increase the number of customers

2. Increase the average value of each sale

3. Increase the frequency of sales

Each one of these is a big topic in itself worthy of a lot of discussion and study, but it all starts with the simple undersatanding that these are the only three ways to grow the top-line (income) of a business.

Less Money Out – Cost Control

How do you keep more money in the business? You spend less. This is otherwise known as cost control. There are 2 basic types of costs that need to be controlled.

1. Variable Costs

2. Fixed Costs

Variable Costs are the costs directly related to whatever product or service you provide. If you sell more, these costs go up, if you sell less these costs go down. The main variable costs are typically labor and raw materials.

Fixed Costs are overhead. It doesn’t matter how little or how much you sell, you still have to pay these bills. Examples of fixed costs are rent, and management and administrative salaries.

Like top-line growth, cost control is a big topic and step one is understanding that there are 2 large categories of costs in every business: the raw materials, time and labor required to deliver something to a customer (variable costs), and the things you pay for even if you don’t sell anything (fixed costs).

What Should You Focus On?

Most business managers will tell you that you need to balance between top-line growth initiatives and cost control measures. While that is a very true statement, it is also true that every successful business is generally focused much more on one than the other at any given period of development. The typical small business scenario is generally challenged with top-line growth. Generating leads and converting them to sales is the main goal of the Entrepreneur. When a business is small, controlling costs is relatively easy as everyone has a personal investment in the success of the company, and the impact of expenditures on the bottom line (profit, or cash in your pocket) is easy to see.

As a business grows the infrastructure grows along with it and the company begins to acquire more equipment and employees. This is generally acknowledged as an indication that the business is doing well, and growth is healthy. As long as the growth is outpacing the new costs there’s no problem right? Wrong! There are two things that can turn growing costs this into a big problem. First of all you generally have to pay for your supplies before you collect payment from your customers. So taking a huge order can actually hurt your business if you don’t have adequate plans for financing the supplies needed to do the job until you can collect from your customers. If you don’t have enough funds to cover your weekly pay checks or pay your suppliers, it doesn’t matter how much money the customer promises to give you 2 months after the work is done. People can’t wait that long to be paid. More than one big company with a healthy balance sheet has gone bankrupt because they didn’t plan this right.

The other side effect of growth is that people become less and less conscious of the impact of costs. People start to see that new double sided laser printer as a necessity instead of a luxury. What’s a thousand dollars to a company that’s making hundreds of thousands? After all, the business is doing well right? They start to feel less guilty about taking home a pack of staples, or using the photocopier to make 100 copies for their children’s school. None of this seems like a big deal until you realize that there are also more employees than there used to be. When every employee at the local corner store takes home a pen, the store might lose 5 or 10 dollars; when every employee at Wal-Mart takes home a pen it’s a very different story. Cost control measures become increasingly important as a business grows.

Generally, healthy companies start out focused on getting more money in. When they notice that costs have gotten out of control (because they were not focused on that) they slowly switch focus from getting more money in the door, to letting less money out the door (I.E. controlling costs). Once costs are under control, they need to switch focus back to getting more money in the door. This balance of focus swings back and forth continuously as long as the company is healthy and smart. Every business needs to decide for itself whether to focus on top-line growth or cost control at any given point in time.

Micro loans for small business

Micro Loans For Small Business

Small business start up capital can sometimes be inadequate. One option that is available to the small business owner is a micro loan. These loans are specifically designed to give aspiring business owners start up capital as well as giving a boost to already established businesses. They also consolidate and enhance micro businesses. They target the unemployed, poor entrepreneurs and individuals who are not considered bankable. They are individuals who lack any form of collateral, stable income and a good credit history.

Micro loans helps the small business owner in many ways. This includes help with the working capital, purchase of office equipment, machinery, supplies etc. In comparison to the conventional bank loans, micro loans are easier to obtain. These loans are usually handed out by community lenders. This is after careful evaluation of the borrower’s credit history. These lenders get these funds from the Small Business Administration. They then disperse them to their local communities. They are usually located in a nonprofit community and have ease at dispersing funds.

When you want to get a micro loan, you have to have some form of collateral or guarantee from the business owner. Another requirement for these loans is that you will be required to undergo training and business management instruction to qualify for this loan.

Projects that normally qualify for this type of loan are the ones with skill enhancement elements. These projects are those that are aimed at improving the quality of life for those in low income areas. Also included in this category are projects that promote individuals who are in self-employed businesses and also creates employment for others. Micro loans have helped many people achieve their dream of having purpose in their life while simultaneously earning a living.

Reducing cellular telephone expenses: simple changes can mean big savings

Reducing Cellular Telephone Expenses: Simple Changes Can Mean Big Savings

The key to effectively managing cellular costs lies in accurately identifying the usage needs of individuals and groups. These needs may be related both to how each user conducts business, as well as the appropriate communications requirements for accomplishing user-specific tasks or functions.

Identifying opportunities for savings in this area of administrative expense can be as simple as running a cursory check on usage versus plan limits and features, although fine-tuning the details may require more expert assistance.

The following are RED FLAGs for savings opportunities:

Overages – this is clearly the most common source of cellular cost abuse as excess usage (above and beyond plan minutes) can easily turn a $60 monthly charge into $200 or more. If a user regularly exceeds their plan minutes, the plan needs to be revised to accommodate the user’s actual activity. If a user exceeds plan minutes only occasionally, or even just once during a calendar year, the excess charges will likely result in costs far greater than the expense incurred by moving up to a higher usage plan. In addition to excess regular minutes, overages can also come in the form of roaming or long-distance activity. Again, plans should reflect realistic user activity.

Unused phones – an unused phone creates expense, but offers no productivity. Unused phones may be due to inactive or retired employees, users having multiple or substitute devices, or a user’s preference for other means of communicating and conducting business. Regardless of the cause, an unused phone means unnecessary expense; furthermore, these expenses can be significant when considering larger corporate environments in which there are greater numbers of employees, increased turnover and more intra-organizational relocations.

Right-sizing – while an under-used phone will generally not incur the kind of excess expense seen with overages, it still represents unnecessary expense. A 2000-minute plan for a 250-minute user that never approaches or exceeds the plan limits should be appropriately adjusted.

These next two items represent areas for savings opportunities that require a little more attention to logistics, but can result in meaningful expense reductions:

Pooled Plans – these plans provide for a shared pool of minutes for multiple users. For example, a plan offering coverage for 5 users at 500 minutes each provides for a total of 2500 minutes. Pooling minutes mitigates the risk of overages, as any one user’s excess can be offset by all other users’ shortages. While pooled plans are offered by all cellular providers, they are not always published, so it is in your organization’s best interest to inquire as to each vendor’s plan requirements. For instance, each vendor may require a different minimum number of users in the pool, and will offer varying levels of pooled usage.

Special Features – voicemail, caller ID, rollover minutes and text messaging are some of the more common special features offered by providers. All plans should be carefully reviewed to determine which users require or depend upon which features, and how the costs of these features impact total billing. Rollover minutes are most effective when users have erratic activity, or experience seasonal or isolated variations in usage.

Those responsible for managing an organization’s indirect cost structure will find other helpful tips and strategies in the links located in our biography section.

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