7 Steps to Get Any Bank Begging to Finance You

Technique #1: Use clever, hidden psychology

Be clear about what your business is offering. For example, if you want to run a bar you might think you’re selling beer – but that’s not really what makes a bar or club a success. After all, ALL clubs sell beer, so you’re not going to excite anyone with that idea. Instead, think deeper. What’s your venture really about? In this example, it’s about entertainment… People go to bars to satisfy a social need, not simply to booze. They could do that at home for a third of the cost. So sell the idea of what will make people go to your bar rather than the one up the road.

Technique #2: Expenses are more important than profits!

Don’t be afraid to show expenses. In fact, flag them up loud and clear. Show one-off set-up costs, show a marketing budget (you’ll DEFINITELY need to advertise), show the direct costs of your product… If you show the costs, you’ll show you understand your market and what’s needed to break it. So don’t go in with wild claims that you can turn R10 of their backing into R1 million overnight. That’s as crap as a get-rich-quick scheme and you wouldn’t buy into one of them, would you?

Technique #3: Wow them with your ROI

Try to tie your costs into return on investment (ROI). Banks like clear figures that show that if R10,000 is invested then it will lead to R100,000 of income, for example. The tighter the link between the investment from the bank and the return – the better this will read to your prospective investor – your bank. Include goals and milestones in your plan that demonstrate how you will be measuring your success along the way…This shows to your bank that you intend keeping “on the case”, and they know from dealing with many new businesses that monitoring progress is a key factor in business success.

Technique #4: Use the power of innovation

Demonstrate how innovative you and your business can be… Banks like to see creativity and even if your business concept or product does not set the world on fire with excitement, the way that you run your business can. So, introduce new and interesting ways of promoting your business. For example, targeted ads for women-only car insurance now appear on the back of cubicle doors in the ladies toilets of many highway service stations! An idea like that’s enough to make even a fairly dull business idea sound interesting!

Technique #5: Get rich slow – not quick!

Impress your bank by showing them you’ve a well thought out strategy for future growth – and that you want them to work with you at every stage. Show your bank a short, medium and longterm plan such as your initial set-up, three years and five years. Your bank manager will see that you have thought your way through the issues and how your business is likely to grow long term. And, if you talk about this long-term plan with confidence, the bank manager will actually start to picture your business being around for five years, 10 years and longer. Which leads me to:

Technique #6: Use realistic optimism

At all stages show your bank you’re optimistic about your success, but realistic about the constraints along the way. All businesses have ups and downs and to suggest otherwise would show a level of over-optimism that would make your bank distinctly nervous. So, introduce a healthy dose of realism into your plan and show that you are ready to face the challenge!

Technique #7: Show them ‘Plan B’

Managing risk can be the make or break in any venture – and yours will be no different… If you want to make the big bucks, you’re going to have to take some chances. And you need to show the bank what you’ll do when things go wrong. And they will. Of course, your “rights” should heavily outweigh your “wrongs”. But banks will want to see you have a Plan B in the event that one of your ideas flops. Identify the major risks to your business in your plan and then show how they’ll be overcome by creativity, monitoring and good management. In other words, you should answer the difficult questions before they ask them!

Use the seven points we’ve run through here and you’ll have a persuasive package that your bank manager simply can’t refuse.

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Benefits Of Using Auto Insurance Quotes

If you have never changed insurance providers, you may be working under the false assumption that your company will take it upon themselves to reward you for being such a loyal customer. Common courtesy, right?

While it is true that car insurance companies reward you for packaging other insurances with your main coverage (by the way, virtually every reputable company will do this for you), they are probably taking advantage of your inaction and complacency.

Just like loyal cable subscribers rarely get the best deals from their provider – those all go to the “newbies” – your honeymoon with the insurance companies is likely over. You just don’t know it yet.

However, since the advent of instant auto insurance quotes, many consumers have been empowered by their computers and Internet connections. As a result, prices are more competitive than ever before, and switching providers is as easy as a few simple mouse clicks (and maybe a phone call).

Certainly not how it used to be, when you had to sandwich getting your car insurance quotes between two hectic halves of a workday. Yes, we live in more convenient times, thanks to the Internet.

Here are some of the key benefits in store for you, if you are in the market to change insurance companies. Whether it is your first switch, or your twenty-first, keep these things in mind:

* Find the best price more quickly. By checking your car insurance quotes online, you will have immediate knowledge of where your best value exists in the auto insurance market.

* Cut out the phone calls. Instead of calling several different companies for an idea of who measures up best for your budget, make sure your only call is the one you make when changing to the best deal.

* Start saving sooner. Before you embraced Internet technology, and all an instant car insurance quote could do for you, it was likely you could get sidetracked by work and life. Without a moment’s notice, days could turn into a couple of weeks, and you’d still be paying the same price. Now just check auto insurance quotes in a few short minutes on your lunch break, and have instant access to all the major players (and their best deals).

* Stay up to date. Insurance rates are changing all the time. What you have today may not be your best bet for tomorrow. Force companies to keep costs low by using instant auto insurance quotes to keep your costs low.

These days it is really up to you if you save money or not. Even in harsh economic times, the Internet, and tools such as obtaining instant auto insurance quotes, can help you beef up your budget with savings you may have otherwise not thought to incorporate.

Take advantage of instant access to your car insurance quotes on the web, and stop letting your insurance provider take advantage of you. And if they are still the best price in town? Good for you! Now you have peace of mind knowing that you have always been getting the best deal of all.

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How Industrial Internet Marketing Differs From Standard Marketing

If you have an industrial company and you are seeking to expand (or just start) your online presence, then you need to have some pretty specific assistance. The vast majority of web design and Internet marketing companies do not specialize in industrial Internet marketing. Therefore, you need to find a company that does. This means that you will have to do some digging and research the companies that you find. One of the best ways to ensure that you find a company with plenty of research and experience in industrial Internet marketing is to understand how it differs from standard marketing.

One of the primary ways in which industrial Internet marketing differs from standard web marketing is in the audience. Most online businesses target consumers. However, industrial companies usually need to target other businesses and companies within their vertical market. You need to ensure that you have an industrial Internet marketing company that understands your vertical and can connect you with those in your vertical market.

Another way that industrial Internet marketing differs from standard online marketing is in driving qualified, targeted traffic to your website. Random traffic does you no good at all. In fact, this can actually lead to problems. For instance, random visitors will come to your website, registering a hit on your analytic software. However, they will not go any further than your homepage – they’ll “bounce” out. This can lead to a spike in traffic without any corresponding spike in profitability or connections. Targeted traffic, on the other hand, has a much higher rate of conversion from a visitor to a buyer.

A company that offers industrial Internet marketing needs to be able to offer a diverse marketing strategy that combines different marketing methods. One of the most beneficial is article marketing, which can allow you to achieve two goals at one time. This can help you drive targeted traffic to your website, while building backlinks to your site as well. Backlinks should be given special consideration by your marketing company as well, as they are essential to helping establish a good page rank. Your marketing company should be well versed at linking strategies that will connect your site with those with a high Google PR, as this translates to a higher rank for your own site.

Pay per click marketing strategies are also important, and should harness the keywords that most apply to your industry, without putting you in direct competition with other companies. Your industrial Internet marketing company should be able to identify viable keywords that apply to your business but are not saturated yet.

As you might imagine, finding a company that understands the differences in industrial Internet marketing and standard marketing can be a bit difficult. Not all firms are up to the challenge, so you need to take the time required to ensure that you have made the right choice. Investigate the company’s list of prior clients and how successful they have been online, as this can be an excellent yardstick by which to measure that company’s value.

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Free Tax Filing

The preparation of tax documents and filing of tax returns is a complicated process and requires professional handling. Professional help is generally expensive and can burn the pockets of taxpayers if availed of. Taxpayers can also prepare tax files on their own but there are risks of committing errors when a large number of deductions and exemptions are taken into consideration. As a result, taxpayers seek professional help even though it is expensive. In recent times however, some tax experts and tax companies have started offering free tax filing services.

The principal means of filing taxes for free is through online websites of tax companies and use of software provided by them. These companies offer online tax preparation help and electronic filing through a partnership agreement with the IRS. Almost all the free tax filing companies offer services based on different sets of criteria to qualify taxpayers for the service. Companies offer free filing service for taxpayers whose gross annual income is below or equal to $50,000. There are also many age and area restrictions for free tax filing service. Some tax filing companies prepare and file taxes for people of only certain area codes and states.

Primarily, Form 1040EZ is used to file tax returns of these types of customers. The companies fill out the forms and prepare tax liabilities and file papers with IRS, abiding by certain rules and regulations as specified by the IRS. The IRS advises people to go through the IRS website and approach only listed companies for free tax filing. A majority of free tax filing companies provides quality feedback about the status of the filed papers. Nevertheless, there are some companies who may only offer sub standard services and may make the entire tax filing process slow and sluggish.

Free tax filing also existed over phone lines. However, they have now ceased to exist. Free tax filing is one of the best ways for people to seek professional help with tax payments at zero costs.

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