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Have you dreamed of having the Financial Freedom to give you a quality life and more time to enjoy it with your family.

YOU CAN turn those dreams into a proven reality. The idea that you need money or a mortgage to own your home is a fallacy.

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–> Soon, The Top Competing EAs Of The FRWC Will Be Available For Purchase

Many of my subscribers have been steadily following the Forex Robot World Cup (FRWC)…

Just a small re-cap for those that haven’t:

The FRWC was created with the objective of finding the best NON-COMMERCIAL Forex robot in the world through a competition based on solid and transparent rules.

What does non-commercial mean? Simple, robots that are not being sold or marketed anywhere but are solely used by their developers.

Hundreds of independent robot developers from all over the globe joined the FRWC to compete for the #1 Prize… US $100,000 (which is why the FRWC got the BEST of the BEST robot developers to participate)!

Now… the competition has two phases, the qualification phase and the live (real money) trading phase.

As of December 1st, 2009 the live trading phase started with 24 robots out of the 329 submitted during the qualification phase (which lasted over 2 months!)

Yes… ONLY 24 robots!

Why so few? Simple – the FRWC’s qualification rules are TOUGH! They have the sole objective of truly having the best of the best compete… robots that have the potential of not just having good results for a short period of time…

…but robots that can be consistently profitable over time.

You can view the live (real money) results of the 24 competing FRWC robots (updates every 15 minutes) here:

==> Visit Official Forex Robot World Cup Website

…and, by the way, you will also be able to view each robot’s real money live account statement so you can see each and every trade it takes as the competition progresses, right through to the end on Friday, January 29th, 2010.

It is truly exciting to finally see an event designed to separate truth from hype…

…let me explain.

Once the live phase of the FRWC is over this coming Friday, the winning robots will be available for purchase (in very small quantities).

This means one simple thing: THE END OF B.S. ROBOTS IN THE MARKET!

Once and for all, FX traders will be able to put their hands on real, PROVEN money making FX robots.

No marketing hype… no cheap sales pitches… just the natural outcome of the most important automatic FX trading competition, which YOU can follow live AND verify on a daily basis:

==> Visit Official Forex Robot World Cup Website

By the way… after almost 2 months of live, real money trading, the leading robot is at 156.91% projit!

I don’t know about you, but I have been (and will be) following this thing on a daily basis until the end

Remember – this is the biggest and most important FX robot competition and, for the first time ever, FX traders will have access to the best of the best “PROVEN in real time”, real-money robots.

The FRWC decided to release a very limited number of copies so I recommend that you don’t just follow the competition closely but also check your inbox regularly for updates on when the product will be available.

==> Visit Official Forex Robot World Cup Website

Rob Trader – Forex Expert
http://tradingtoollist.co.cc/

Article Source:http://www.articlesbase.com/business-articles/get-the-1-robot-of-the-biggest-fx-robot-competition-1783078.html

Lots of companies try all kind of public relations tricks, and complicated cost cutting schemes, when all they need to do is to go back to basics by becoming more environmentally friendly.

What then can be done to become an environmentally friendly company?

Reduce wastage – Assess your company processes to see where waste could be reduced. For example, can invoices be sent electronically and goods ordered in bulk to reduce packaging waste? Waste reduction should be the top priority of any waste management scheme as this is where the most cost effective and positive and environmental changes can be achieved.

Recycle Printer Cartridges – Printer cartridges that are thrown away are a real problem for the environment, and are also the cause of unnecessary extra costs being incurred for companies. Once a printer cartridge has run out, the best and cheapest option is to just refill it yourself, alternatively though, you can send it back to the supplier, who will then sell you a recycled one, that works as good as a new one, for as little as half the price.

Re-Use Paper – Paper is often the highest volume waste stream in the workplace and, even if a recycling system can not be set up, simply reducing and re-using paper can result in significant waste and cost savings. So, Print documents double-sided and keep a tray of scrap paper next to the printer for use with internal documents etc. Better still try to avoid printing where possible.

Purchase Recycled Paper – Purchasing recycled paper is no more expensive than buying virgin paper, and the quality is the same. Therefore, there really is no excuse for continuing to buy virgin paper, which not only requires more trees to be cut down, but also uses up substantially more water and energy to make.

Recycle Aluminum – Aluminum can be recycled indefinitely, and the production of a recycled aluminum product emits just 5% of the amount of CO2 that is emitted when a brand new aluminum product is produced. So, considering the benefits, surely setting up an aluminum collection point next to vending machines, and in canteen areas, is the right thing to do.

Re-Use Cups – Around 8% of global annual oil production is currently used in the manufacturing of plastics and the process of production uses harmful chemicals. (Waste Online, 2008) Plastics are non-biodegradable and may take hundreds of years to decompose. So, if an office has a vending machine, employees can re-use a plastic cup throughout the day or perhaps keep their own mug at their desk.

So, there you have it, six simple environmentally friendly ideas that almost every company can implement. They may require a little effort and organization to begin with, but it is clear that the long-term benefits, both to the environment, and to the company itself, make the extra effort and organization worthwhile.

Ware 4 Recycling Bins Ltd have been promoting cost effective bins, trolleys and waste containers for over 5 years. For more info, visit Ware 4 Ltd.Article Source:http://www.articlesbase.com/business-articles/is-your-company-as-green-as-it-should-be-1776250.html

Past purchasers and current prospects in your database represent potentially warm to very warm leads for future business — unlike people you contact via cold calls, who have no relationship with you at all. So if your organization is not making every effort to up-sell, cross-sell, pamper, placate, or otherwise retain previous buyers and prospects, think of the revenue it may be forfeiting!

If you haven’t mined your data extensively, consider doing the following things, each of which has a crucial purpose:

1) Ensure the accuracy and completeness of your customer/prospect data.
2) Take the temperature of your customers and prospects — are they happy?
3) Expose hassles customers are experiencing, so you can begin fixing them.

——————————————————————

Start with a Telephone Campaign

——————————————————————

You can begin this process with a call to each key customer and prospect contact. One issue to resolve is which department in the organization should do this. Does either “everyone” or “no one” own the customer data? Then perhaps you should volunteer yourself, or suggest appointing someone to do this important job.

In case you need to give anyone a rationale for pursuing this effort, here’s a good one: Marketing research reveals that customers who’ve purchased something from your company at least one time are far more likely than non-customers to do so again. This is a compelling reason for getting on the ball and mining for gold!

Let’s assume that you’re ready to get started with your telephone campaign. What do you say and do? You could plan to use a checklist of talking points to cover in each call. The scope and depth of the conversation will depend on the willingness of the contact to continue the discussion, so it’s ideal to cover the basics first.

——————————————————————

Gold Mine #1: Ensure the Accuracy and Completeness of Your Data

——————————————————————

Especially if the database has not been kept up-to-date, or has recently been upgraded, merged, or otherwise significantly massaged by technology, the first points to cover would be the correctness of the information. In one such scenario, you might start by saying:

“Hello, [contact name], this is a courtesy call from XYZ Corp. My name is [name] from the [ABC department]. I’m calling to confirm whether our records are up-to-date and complete, as we’ve recently conducted a major upgrade of our databases to better serve our customers. May I take a few moments of your time to verify your information for our records, and to answer any questions you may have about our products and services?”

Assuming that the answer is yes, you can proceed to verify the current contact information, customer or prospect status, items purchased, and so forth.

——————————————————————

Gold Mine #2: Take a Customer/Prospect “Temperature Reading”

——————————————————————

If the conversation seems to be flowing well, you can next assess how happy the contact is with whatever has transpired so far.

If it’s a prospect, you could ask, “Are you comfortable with our continuing to contact you periodically to verify your pending needs? What timing would work best for you?”

If it’s a customer, consider asking, “Are you pleased with your products and services to date? Are they doing exactly what you wanted them to do?”

If the customer’s answer is no, proceed to Gold Mine #3. If the answer is yes, you can continue to probe more deeply into the “happiness factor” by asking for:

– Testimonials and success stories. Try to make arrangements to collect statements that can be kept on file, and get permission to use them.

– Additional needs. A related reason for this call might be to apprise people of new offerings. Delve into what’s new or different about the contact’s situation since your last conversation. Perhaps they’ve grown and want more of the same, or even some of the new!

– Referrals. Does the customer know of anyone else who could use the same products or services, given the customer’s name as the referrer?

– Permission to be used as a reference. Ask whether prospects can get in touch with the customer for details on positive experiences.

– Suggestions for greater improvement. Is there anything that could make the customer’s experiences even more enjoyable?

– Willingness to test future upgrades. Would the customer be willing to try out updates before they’re released to the general public?

– Opinions on potential offerings. If your company wants to learn what consumer reactions might be for a possible product or service, here’s a way to find out.

——————————————————————

Gold Mine #3: Uncover Any Hassles Your Customers Are Experiencing

——————————————————————

If the contact is unhappy with your offerings, don’t shy away from hearing the news. Consider that this is the perfect chance to mine more valuable data that will turn into gold after you and your team sift through it. For example, you might learn that:

– There are immediate but basic problems that you can help remedy right away.

– Major malfunctions are occurring that should be documented and fixed.

– Gaps exist in the internal hand-offs for converting prospects into customers.

– Customers or prospects need something that you don’t offer, which could spark ideas for new offerings, accessories, and promotional campaigns!

In conclusion, your customer/prospect database may represent an under-exploited source of new income streams. Therefore, you have everything to gain by taking charge of this resource and mining its treasure!

Adele Sommers, Ph.D. is the author of the award-winning “Straight Talk on Boosting Business Performance” program. She helps people “discover and recover” the profits their businesses may be losing every day through overlooked performance potential. To sign up for more free tips, visit her site at http://LearnShareProsper.com

Article Source:http://www.articlesbase.com/business-articles/mining-the-gold-in-your-customer-database-1772669.html

Among other things the writer encourages you, the job seeker, is to review your resume. “Your resume may not be attracting the right attention and it could be time to spiff it up a bit,” she says.

This is common advice. And frankly, writing a resume usually the first thing a job seeker does when heading into the job market. And if the job search requires a mid-course correction most folks look to “spiff up your resume” as a solution to a job-finding impasse.

Unfortunately we’re victims of a job finding culture that’s convinced the way you find a job is through your resume. We’ve all believed at one time or another that, if we get enough resumes in the marketplace, surely the numbers will eventually work for us.

Wrong! Resumes don’t get jobs . . . YOU do!

The drip, drip, drip of exasperation waiting for the phone to ring is sometimes unbearable . . . especially if you’ve been in the market for awhile. You just can’t understand why your resume isn’t working.

At this point most people go back and review or even rewrite their resume. But, in reality, they’re just adding insult to injury. The way out of this dilemma is not more resume, but more person-to-person interaction.

Let’s face it, hiring decision-makers will never make you a job offer based on a piece of paper. And if you use that as your only means of finding a job, well, you’re condemning yourself to weeks, even months of frustration as the drip, drip, drip of valuable time without work makes you more and more irritated.

Your goal is to discover ways to get in front of the person who could be our next boss. Face-to-face meetings are the only way you will get a job. So, why not focus on ways to do that rather than spiffing up our resume.

Fortunately, there are proven techniques that can help you accomplish this without relying exclusively on your resume. For example, develop a roster of people you have access to or who are knowledgeable about the industry or company you’re interested in. They’re are people you already know.

For example, people you do business with (like bankers, insurance reps, accountants, store owners, etc.), religious leaders, politicians (state and local) are the kind of people who could be knowledgeable and who may even have valuable contacts they could introduce you to. Add to these, friends, neighbors, relatives and co-workers and you have an extraordinary list of potential helpers.

Spending time developing these “career partners” will put you light years ahead of the competition and dramatically reduce the amount of time you have to spend in the job market.

Can’t find a job? Resume shooting you in the foot? Check out Paul’s stunning report: “How To Land A High-Paying Job In 14 Days Or Less!” Learn how to avoid the pitfalls of old-fashioned clueless job search techniques. Things have changed since the last time you looked for a job. Do it right with a powerful plan and you can be talking to your next boss in a matter of hours! Check this out right away! http://www.fastjob.talkspot.com

Article Source:http://www.articlesbase.com/business-articles/drip-drip-drip–avoid-an-exasperating-way-to-find-a-job-1768325.html

While the country’s largest banks were rescued by billions in taxpayer money, failing small banks were closed and their deposits and other assets were transferred to other banks.

According to bank analysts, the number of failed small banks is still considerably low compared to the overall number of smaller banks throughout the U.S., but the bank closures show the divide between smaller banks and the country’s biggest banks like U.S. Bancorp, JPMorgan Chase and Goldman Sachs, which are growing stronger and bigger.

Analysts cite the high number of bad real property loans as the major factor for the failure of most, if not all, of the 100 banks that have failed so far this year. They expect more small banks to fail and to release more listings of banks foreclosures into the market because of these toxic real estate loans.

The rising number of bank failures has wiped out billions from the FDIC, which has been paying the depositors of failed banks. FDIC said that its over $50-billion fund as of 2007 is now below the safe level. To replenish its fund, it has asked stronger banks to make their insurance payments earlier.

Communities served by small banks are also now feeling the adverse effects of the failure of their banks. Although their deposits are paid by FDIC and their other assets are transferred to the acquiring institutions, they have lost their strong relationships with their bankers and they are now facing new bankers bent on cutting costs and eliminating previous incentives.

Some acquiring banks have closed branches, terminated high-interest deposit accounts, cut off several lines of credit and ended loan programs with favorable terms.

FDIC Chairwoman Sheila Bair explained that bank closures are painful to communities, but failing banks needed to be shuttered early so assets can be preserved, consumers can be protected and financial stability is sustained.

The FDIC expects more bank failures over the coming years, particularly in the Southeast and Midwest where banks made big loans to house builders and developers of strip malls, housing subdivisions and office buildings.

According to Foresight Analytics, around $870 billion of the $1.8 trillion worth of commercial property loans in the U.S. were provided by smaller banks that lack the trading strength of bigger banks, putting them closer to failure and their assets to listings of bank foreclosures.

Joseph B. Smith has been educating buyers on the finer points of Listings of Bank Foreclosures at ForeclosureListingsNationWide.com for over five years. Contact Joseph B. Smith through ForeclosureListingsNationWide.com if you need help finding information about Listings of Bank Foreclosures.

Article Source:http://www.articlesbase.com/business-articles/listings-of-bank-foreclosures-from-failed-small-banks-1761838.html

Watches, like the Swiss made watches are not ALL expensive. In fact, I think you are going to find some really nice styles and designs to fit your price and bank account. So let’s get the show on the road, these are the top watches for under $100! First off we have the Invicta Dive Watch is just under $100 and is stainless steel, which says to me that this company really cares about people such as yourself especially considering stainless steel is NOT the cheapest of all metals out there.

This a sports watch with a side of business style in all its glory. Its sleek, sexy, and professional all wrapped up in one little package. Second on the list is a red little number by Mondaine Evo. The face on this watch was the official clock style of Swiss railways and stations, but Mondaine Evo has created some really incredibly and innovative looking and feeling men’s watches. This one has the face of the Swiss train station, but a deep red band that is quite an eye catcher. It’s under $170 and is sure to give you everything you need along with the option to customize not only the material of the watch, but the band as well.

Third on the list, is the Skagen which costs about $100 or so. This watch is one of the thinnest watches you will ever find on the market at a mere 7mm and its made out of some really durable material – titanium! The case of the Skagen is very tough, and yet it doesn’t have a super macho look to it like some of the other men’s watches out there. It is a Chronograph, so you do have the little dials on the side of the watch. Next on the list is a watch by the infamous Michael Kors – though Michael is best known for his career in fashion and style, the watch created here (which is also a Chronograph) is downright extraordinary – not only us this watch nice to look at, but you also have a ton of functions to look forward to as well.

And lastly, a funky little watch called the Penguin – it’s stainless steel, rounded square face with a red face which also includes four green dials. While these watches aren’t considered discount luxury watches and they don’t care some of the more popular and manufactured watches in the world, you can be sure that they will look nice on you, you will like the functions that they come with – and most important you won’t have to spend $60,000 to look sharp as a tack!

www.MyTimePiece.com stocks a huge variety of discount luxury watches from some of the most well known designers.

Article Source:http://www.articlesbase.com/business-articles/budget-mens-watches-for-under-300-1755793.html

Peter Vekselman has been successfully investing in real estate since 1996.
He has completed over 1200 real estate deals, owned a construction company,
been a private lender, and owned a property management company. Peter
currently works with clients all over the US helping them achieve riches in
real estate investing. For more information please visit
www.CoachingByPeter.com

Article Source:http://www.articlesbase.com/business-articles/ways-to-win-in-longterm-real-estate-investing-1748559.html

If you ever encounter issues with non-payment, you’ll find that including the right wording on your invoices will make it much easier for you to state your case.

What Information is required on an Invoice?

Company Details

Your company’s name and trading address, telephone number, email address, registered office address, company number and VAT registration number (if VAT registered) must all be stated clearly on your invoice.

Agency/Client Details

The full name and address of the agency/client that you are invoicing should be included on the invoice.

Fees

List details of the services or products provided, the gross amount payable, any VAT amount due (if you are VAT registered) and then the final amount due. If you charge an hourly rate for your services, state that rate.

Purchase Order Number or Contact Reference

If your client or agency uses Purchase Orders, clearly state this number on your invoice so as to speed up the payment process. If Purchase Orders are not used, state the name of the contact that ordered the products or services.

Invoice Number

Each invoice should have its own individual invoice number. The number can also include letters which may help you identify particular clients.

Dates

Include the date the invoice was produced and the payment due date. Usually the due date will be 30 days after the invoice was raised although terms do vary from between 7 and 60 days.

Payment Terms

Confirm how you would like to receive the payment, either by cheque or bank transfer and clearly state when your invoice should be paid.

With a cheque payment, clearly set out who the cheque should be made payable to and advise the client to write the invoice number on the back of the cheque to aid you in identifying the payment once received.

For bank transfers, state your bank account details: account name, sort code, account number and payment reference (usually the invoice number) to enable the agency/client to forward the money to the right account.

Late Payments

To help protect yourself from late payments you may quote the Commercial Debts Act which allows you to charge a late payment fee of £40 once your stated terms are exceeded. Include the following wording:

“We understand and will exercise our statutory right to claim interest and compensation for debt recovery costs under the late payment legislation if we are not paid according to agreed credit terms.”

Timesheets

If your client or agency requires a timesheet to back up the invoice then remember to include one. Don’t forget to take a copy before submitting it!

Sending your Invoice

You can send your invoice by email, fax or post and normally your client will advise you of their preferred method.  If sending by email, always convert it into PDF format so that the document cannot be altered. PDF printers can be downloaded free of charge from PDF 995: http://www.pdf995.com/

For professional advice on preparing and sending invoices, consult your bookkeeper.

Lynn Watson is the Director of Office Assistants, a company that offers small to medium businesses of all types the chance to cherry pick from a flexible range of services including bookkeeping; VAT; Payroll; CIS returns and general office services. The company has 20 years experience and pure expertise in streamlining and making substantial savings for all types of Essex and London businesses from sole traders upwards. For more information visit www.officeassistants.org

Article Source:http://www.articlesbase.com/business-articles/how-to-prepare-an-invoice-1738779.html

Articles with great content are very effective when trying to get people’s attention. It is being used by many online marketers since it can help them build up search engine ranking.

However, not all online marketers use article submission methods correctly. Now that search engines have become more exacting in sorting out web pages, every web marketer must learn the rules of online article submission.

Here are some online business tips that will discuss different key points on how you can make your article submission plan more effective.

Submit to the right article directories. With so many different submission sites available on the web, choosing the best ones is must. What are key features of a good article submission directory? One that has a high page rank, one that has been on the web for more than two years, and contain more than 500 articles is a good candidate.

Submit to your niche market. Targeting one particular topic for a niche audience will bring in more results for your articles rather than submitting them under a general topic. This way, you can be sure that people who will be reading your articles are genuinely interested on them.

Distribute articles to webmasters. Another way to give your articles more exposure is by submitting them to blog masters or webmasters. Try to find sites that also cater to your niche market and contact the webmasters. Ask them if they would want to receive articles from you on a regular basis. Most webmasters will be willing to accept the offer because it helps them in finding content for their web.

Write more articles. Some marketers only have a few articles on use the same ones in article submission. Instead of trying to submit to as many article directories as you can, choose only a number of reputable directories and focus on submitting more articles to these sites. Distributing a regular supply of your original articles works better than using your old stuff all the time.

Follow the rules. Articles directories impose guidelines when it comes to writing content and the submission of entries. Make sure that you are able to keep up with the rules. Do not overlook simple rules as even the littlest violation can get you permanently banned from the directory’s list.

Use different bylines. For every article directory you submit your articles to, use a different footer. Make sure that your author resource box contains your name and the correct URL to your website.

Submit summaries. You may also submit shorter versions of a topic for article submission. Then include a URL that directs the reader to the more complete version of the same article in your website.

Go easy on the links. Avoid including too many links in every articles you are submitting. Although article submission is one way to build inbound links, don’t forget that your main purpose is to give information, build recognition and increase site traffic. One URL to your main page or a page on your website should be enough.

Luie De Von is a marketing consultant with Easypostcard Marketing and has been providing consumers and business owners with marketing strategies. For years he has helped businesses to have more and growing clients through
Business Post Card
.

Article Source:http://www.articlesbase.com/business-articles/helpful-tips-for-an-effective-online-article-submission-1734793.html