I’m baffled every time I see the old marketing techniques of chiropractors that were once learned from previous consultants. How is it they settle for the same old protocol and for the same old results time and time again? We all know that the economy is practically in the toilet, and that people aren’t responding to the same marketing tricks anymore.

I’m reminded of a quote by Eric Hoffer when he says, “In times of change, the learners will inherit the earth while the learned find themselves beautifully equipped to deal with a world that no longer exists!” What he’s saying is that adaptability is essential in times like these. If you continued to resist the current trends, you and your chiropractic practice will become a broke dinosaur.

Fast forward now to the Web 2.0 phenomenon that is sweeping the globe at the present time. Whenever you hear the term Web 2.0, it simply refers to social media and sharing sites like Myspace, YouTube, Facebook, Squidoo, Digg, and truckloads of others. Web 2.0 has literally transformed the way people think and communicate online in the past three years. A global shift in attracting massive amounts of new business and patients has occurred as well.

How do I know this is the case? I’ve experienced the magic of Web 2.0 in my own practice as a chiropractor and entrepreneur. I’ve successfully utilized Web 2.0 to attract 10-20 new patients to my practice each month, along with residual sources of income. As I’ve achieved these successes, I’ve watched my competitors fail again and again. This has inspired me to take my expertise and successful tactics out into the world to teach others how to harness the incredible power of Web 2.0. Chiropractic models for acquiring new patients will never be the same.

Now, I’m beginning to see other generic, watered down versions of my game-changing marketing techniques being taught by people that are self-deemed gurus with NO results. This is dangerous, as many impressionable students and desperate DC’s may roll the dice then become deeply distraught with the mediocre results they continue to experience. Don’t be fooled with sub-par consulting from practice management companies that don’t specialize in social media, regardless of what they tell you. That’s like going to a gynecologist for a brain tumor…. make sense?

I make no qualms about it, I am the first and only Web 2.0 chiropractic marketing expert, and my expertise has already changed the lives of thousands of young professionals. These professionals have experienced first-hand the great life transformation that takes place when your time and finances grow and are free to be used at your disposal. Isn’t it time to take time for your life, and achieve your financial dreams? I have had the great honor of being their mentor on this journey to making more with less effort. Stop working 40 hours a week, and say hello to your newer, richer life.

Here’s a trick that you can take advantage of to start getting more attention to your business today. When branding yourself on a Web 2.0 site, tell your personal story in about 6 paragraphs at least. Share the journey of your life and your business, and don’t make it too much of a sales pitch. When people can see and get involved emotionally in your story, they’re more likely to feel like they know you and want to give you their business. Why do you want to help people? What gives your business the human touch?

Make sure you have 3 blogs already going before you start your profile, so people have an automatic reference point. You’re sure to find these little tips helpful, and there are plenty more where that came from that I’d love to share with you. My 30 video training series is going to get you on the fast track to marketing success on Web 2.0. Soon enough you’ll be pulling-in multiple income streams with total ease. And this is all just the beginning!

Don’t worry if you don’t know how to start an online business. Simply follow these 7 steps and don’t veer from this plan.

Day 1: Set Up Your New Business.

On the first day, you need to prepare your finances and make separate accounts for you and your business. This ensures that you can claim the appropriate expenses when it comes time to reporting your income. You should get your accounting system set up on the first day too. If you are in the U.S., a single entry accounting system is acceptable, and elsewhere, a double entry system is preferred.

Day 2: Choose Your Product Or Service.

During the second day, you will choose a product or service to sell, and research markets to make sure that people are actively seeking to buy such a thing. Be sure you have a way to reach this market. If you also do something you are passionate about, it will help you a lot down the road.

This day is also where you decide to either create a product, or find an affiliate program to promote, or create a content site with recommendations to various offers.

Day 3: Determine Your Unique Market Position

To be successful, you need to differentiate yourself from your competitors – offer something uniquely different from the rest that your potential customers truly value. This will bring in sales more than anything else you can do.

To determine which benefits you can uniquely offer, you should try to profile your typical customer, and determine what their needs and wants are, so you can tailor your offer to them, and connect with them at the deepest levels. It will make your product the best out of all products available.

A key factor in making a great income online is by really knowing your customer, and delivering what they really want. It is why picking something you are passionate about will make you profitable faster than choosing something you just think will make you a good income.

Day 4: Get Your Web Site Uploaded.

Most websites can be created in a few mouse clicks these days, and what is most important is how you set it up (e.g. a shopping cart, a blog, or a sales page format). Another extremely important step is picking your keywords – the phrases you will design your site around, since this is what buyers will enter to find you.

During day 4, you will pick either a product-based website or a content-based website. Product websites are good for things you sell, and content sites are good for affiliate programs you are promoting. In either case, you will need to choose the keywords you will use to design your content and descriptions, since these keywords are what your buyers will use to find you.

Day 5: Finalize Your Marketing.

Once your website is up and running, you need to create an action plan for marketing your website. This includes choosing the tools, systems and partners to help get the word out to the world.

Day 6: Web Site Advertisements.

On the 6th day, you will need to get ads designed – banners, reviews, and other stuff that you and others can promote your site with. This is also the time to start testing which ads work, and which websites are sending you the visitors that buy.

Day 7: Start Selling.

After you have all the pieces in order, and your website is up and ready to take orders, and advertising and marketing systems are in place, the next step is to manage the business. Make changes to improve performance, and outsource the tasks that need to be done but don’t require your talent.

Around this time, the successful business spends about 10% of their time in support activities, 60% in marketing and advertising activities, and 30% on research and product development.

It doesn’t matter what you decide to sell, just as long as their is a hungry market looking for it. If you get that part right, then it’s just marketing you can focus on, and you can start an online business that earns you a fortune. Simply follow the outline above, and make it happen starting today.

Many people suffer from bad credit. This guide will show you credit restoration tips. Many Americans made poor decisions, which caused credit problems for them today. Everyone shares the common dream of a quick fix, but it is what it is and will stay a dream because it is just not that easy. However, with a comprehensive plan with clear steps, you can still successfully redeem your credit.

Credit Rating/Score

Interest rates are not the same for everyone, but instead are based on risk-based pricing, a form of price discrimination based on the different expected costs of different borrowers, as set out in their credit rating. There exist more than 100 rating agencies worldwide.

Acquire Your Personal Credit Report and Review It

A thorough understanding of your credit report will let you know exactly what challenges lie ahead, and it is the first step to a successful credit restoration plan. Look not only at your open accounts, but also at your closed accounts. Next look into your total debt and how many late payments you’ve made or missed. Record this information because you’ll need to reference it as you move through credit restoration.

You Have Rights

You are entitled to all kinds of information under the Fair Credit Reporting Act that was passed by Congress not too long ago. This means that you can get a free credit report once per year from each of the major credit reporting companies. In addition, you have a right to know exactly what is being reported to each of these agencies and also why you were rejected for any credit decision. Take advantage of these things and you will be on your way to credit restoration.

Finish Off Long Lasting Debts

The first real, tangible step on the road to credit restoration is to clean up those old, sloppy debts that have been holding you down. The first thing you will want to do is to bring any past due accounts back to being current. If you don’t have all of the money to make this happen, then you will want to call and talk with your creditors. They will usually be able to help you out if you are willing to make every effort to pay your debt. Once you have gotten done with that, you need to start paying down your credit cards that have the highest interest rate.

Credit Counseling

A lot of consumers are getting the benefit of credit counseling companies these days. Their goal is to provide assistance in developing plans of action for you to start restoring your good credit. This is a good option to restore credit for those people who have a hard time setting up their own plan. Credit counseling is perhaps not needed for an organized person who can decide on his ways after collecting all necessary information.

Out of the many tools available for getting the word out about your products and services, email marketing gets a great deal of attention. Should you add it to your arsenal?

Here are some criteria for you to consider.

1. Email is used by most of your prospects and customers.

If a sizable number of your prospects do not use email, you might want to find other methods of communicating with them. If, on the other hand, your target market already makes use of email nad is comfortable with it, email marketing may be an excellent choice for your business.

2. Your product is not an impulse decision.

While not a hard and fast rule, it should be noted that any product whose sales could be enhanced through educating the prospect is a good candidate for email marketing.

3. You have something to give away.

If you can offer a complimentary version product or service, email marketing will most definitely work for you. This is true for two reasons. First, the free offer encourages the prospect to overcome their reluctance to fill in their name and email address. Second, by giving them a free item, the prospect can take your company for a test drive with no risk.

Here’s a great tip: you can naturally and easily talk about elements of your free item in a number of sequential email messages. If you gave your prospect a free fifteen-page report, you can and should send out at least one email asking if they received the report, and another message summarizing the first section, and so on. Another options is to simply break up the report up and send it out it in bite-size chunks over the next seven, ten, or more days.Why would you do this? Believe it or not, some of the people who download your report will not read it, and for those that do, the content will be reinforced by repitition.

4. You have other products or services to offer.

If you have only one product or service to sell, you should correct that problem right away. Do you see why? You will have already invested a great deal of money and work to identify your target market and also encourage them to make a buying decision. Without a doubt, some of them will want more of what you have to offer. Still others will want everything you sell. The most effortless sales available are those to existing customers. The reason is simple: they want what you have for sale and they trust you to provide it.

If you are marketing an information product on how to begin selling on ebay, you may also choose to offer a workbook complete with checklists and other valuable information, a series of teleseminars, a personal coaching program, and perhaps a certification program.

Any type of business can make good use of email marketing.

You have that site on-line for quite a while, its generating a good number of hits every day and you’re thinking whether or not to use AdSense advertising on it to make it generate some form of income.

AdSense can also very well integrated with your website, it’s easily customizable in terms of colors, size and position which means you can experiment with it in any way you like to maximize your income.

It’s also a great program because you can have the same account advertising on all your pages. This is great for webmasters wit a lot of content because it means they don’t have to create many accounts unnecessarily.

The earning AdSense brings you are by no means constant. In fact, they’re not even close to that. Anything you do to your site could end up being a big mistake costing you a great deal of money. It’s that kind of pressure that has a negative impact on you.

You should try and make your site rank high in search engines. If you fail to do that you won’t have any visitors, and that of course means you won’t have any AdSense revenue. In a way this is nothing new, as any form of generating revenue on the Internet with advertising has such a drawback.

So there are the pros and cons of using the AdSense network for generating profits through advertising. Now the choice of whether or not these work for you is yours.

Click fraud

If you’re using AdWords or AdSense you must have heard about an emerging practice in the underworld of computing called “click fraud”. But what exactly is click fraud and how is it accomplished?

Some webmasters hire a lot of people in a poor country to click the links on your site. This means these people will actually sit all day and just click links so you can earn a fortune. They come from very poor countries like India, and they’re prepared to do so for just $0.50 an hour.

The people or webmasters who use other forms of getting clicks on their sites eventually get caught and their accounts banned on Google for “click fraud”. And don’t think this happens only in isolated instances. There is a great deal of illegal activity going on.

Google has a very strict policy regarding click fraud, and it has sued those employing such techniques in the past. But while the search engine giant tries its best to minimize the risk of click fraud there’s certainly room for a lot of improvement.

But to get the best out of adsense is to optimize your site for good search engine rankings. Build as many optimized pages as you can, then traffic and click will come once the pages start to rank high.

Have you realized the savings of buying used office furniture over new? If yes, then all you have to do is get out there and compare. The most important factor besides price is functionality.

Most people opt for comfort, but it really should come down to work productivity. If it’s cheap, ugly, but productive, then it may not be too bad. This is providing none of your clients ever see it.

Generally, neutral colors as well as natural wood colors are quite adequate for offices. However, do not feel restricted to these colors if you favor wild colors such as neon green or hot pink. If these wild colors can make you feel comfortable then just go ahead and do it.

Be sure to purchase office furniture in your favorite colors which will also convey a professional atmosphere to your clients. Always remember that you are the one who will be spending the whole day in your office. But, first impressions are everything.

Beyond color, you really must make sure that the furniture has functionality. If it’s comfortable and looks great to the eye, it still doesn’t matter if you can keep anything organized.

Take desks for example. Is there adequate storage space under and above it? If not, that desk could get cluttered fast and look atrocious. You can only imagine what image your clients could have if your desk is a disaster.

It is ultimately important to remember that you will be the one working in your office day in and day out. They say dress to impress, but if you can’t walk because of it, it’s not worth it.

For most people these days, the price is the most important factor when deciding what to buy. Many choose used furniture which can provide a substantial savings. If you compare properly, you don’t have to sacrifice quality for quantity.

For example, if you buy a workstation that is way too large for your private office, you may start to feel like you work in a box. Working in a box can leave you feeling nothing short of being a caged animal. You could finish the job and attach a leash to your desk.

There are many used furniture dealers that specialize in layouts as well. Getting a custom design can save you weeks of time from having to go out and buy all new stuff again. Exercising a little patience can pay off dearly in the long run.

The internet provides countless resources for new and used office furniture. It can bring the necessary knowledge to you without having to drive all over town. You can weight the pros and cons of new to used and ultimately find what works best for yourself, your employees, and your wallet.

Effective information on government small business grants is the reason you reading this right? For those newcomers and veterans alike you should understand that receiving funding through government grants is a major advantage for the simple reason that you don’t have to repay it. Of course the disadvantages of this method are the huge amounts of forms that have to be filled out and of course the bureaucratic red tape is in full effect. But that won’t matter to you if you see this through to the end because you will have received funding to start that new business or expand an existing one.

Potential Resources

The federal small business government grant process is very similar to getting a loan from a traditional bank. You will need to provide at the very least tax information, financial reports and business numbers.

It would be wise to locate an accountant who works in your specific corporate industry with related businesses. This will help you construct a grant application whose commerce information makes sense and can actually work. By enlisting the aid of an accountant that is familiar with your industry you will be saving yourself time and unnecessary effort.

A business plan is required for parts of the grant process. Make sure your accountant has relevant experience in providing the financials for a business plan.

Finally you want to get the help of a competent attorney who has experience in working with grants. Keep in mind that your specific grant may not be large enough to need a lawyer. But if it is large enough then don’t hesitate to get an attorney.

This attorney should have a focus in the grant application genre and should be able to guide you past common novice mistakes as well as introducing you to other resources you may need along the way.

Which Grant?

Locating the right grant can be frustrating and time consuming. Just one look among the many grant sites online will easily prove this point. They have grouped by state and sometimes foundation literally thousands of grants waiting to be claimed. It comes down to having the right education to find them.

Finding the grant that will work for your specific circumstances should be your main concern. This problem has a ready made solution just check the resource box. Being able to match your specific circumstances to a specific grants requirements will be your main chore unless you choose to utilize the resources from the resource box.

In Summary

After completing this article you now know more about small business grants and the main concerns facing those seeking them. Keep in mind that a lot of time and energy will be exerted in just finding the right government grant to pursue. However we have provided a solution to this that can be found in the resource box. You will want to seek out the counsel from the necessary professionals depending on the size and dollar amount of the grant you are seeking. In fact if you are serious about this grant application process you will definitely spend some time perusing the links on my resource box. Time to get started!

If you have a charge off it will cause your credit score to be lower. A charge off happens when an account is not paid on for 6 months.

To delete charge offs from your credit history you have to dispute the charge off. You can do this by sending a credit repair letter to the credit bureaus.

In your credit repair letter you should explain why the listing is incorrect. For example the account has never been paid late, it’s not your account or information is wrong.

The way our credit system works is you are guilty until you prove your innocence. What I mean is the incorrect information is true until you prove otherwise.

In response to incorrect information being reported congress passed the Fair Credit Reporting Act. This says that any listing that can not be verified must be removed from your credit report by the credit bureau.

It is not un-common for one charged off account to result in many negative listings and a ruined credit report. Let me show you the process of what happens to a charged off account.

The original lender will take the outstanding debt and will sell it to a collection agency. This collection agency will try to collect on the debt. If they are unsuccessful they will be able to create a negative listing on your credit report.

Then the collection agency will turn around and sell your debt to another collection agency. This new collection agency will be able to report a negative listing if they are unsuccessful in collecting payment.

This process will continue through any number of collection agencies. It depends upon the size of the delinquent account. You can see how one account can ruin your credit score and turn into multiple negative listings.

With a number of negative listings it will ruin your credit score. This will also make it hard to be approved for any new credit lines.

In sum I encourage you to dispute the listing before you make payment. I would do this because making payment does not guarantee the listing will be removed.

Let’s take the situation where you are looking at a REO for which they want 25k and they have just come down from 29k. Apparently, the bank did not really look at it because it isn’t worth that. To rehab it the house would have to be gutted; the only good part of the house is the structure. You don’t want to rehab it yourself but you would like to flip it if you could get it for a really low price.

If this doesn’t work, you are not interested. But you don’t want to let this property go just yet as it is listed by a realtor who doesn’t even have a sign in the yard. No one knows this house is even available. Also, the house should sell for anywhere from 45 to 106k after rehab.

So why indeed there is no sign in the yard? It could be one of two reasons. One reason could be is the realtor is lazy.

Reason two. If a realtor knows what he is doing, it means he has investors or friends he is trying to hold the house for. Then they may hope no one notices the property and they will get to sell it to their buyer who buys all the time from them and closes all the time. They may know it needs to get to a certain price range in order for their buyer to pick it up.

Anyway, this kind of thing happens all the time; and quite frankly that is just business and building relationships. You want to be that person eventually. This kind of relationships helps to get successful in real estate business. They are not hard to build over time but they do take a little skill.

In this article we assume you have identified a property to invest in. You have also started the negotiation process but don’t know what warning signs to look out for. This article will serve as an aid, outlining the aspects you need to be wary of before you sign on the dotted line.

First things first, don’t, under any circumstances, assume anything about the property, especially its value. Never make any forms of guesses as that will surely get you nowhere in this business. Always, and I can’t stress this enough, confirm all information with the seller through proper, valid documentation.

Next, take on the services of a qualified building inspector as well as a qualified land inspector. Hiring such qualified inspectors will allow you to get independent verification of the property in question. Many sellers try to off-load their properties without bothering to inform buyers about various problems associated with the property. Therefore, it is a wise move to get qualified independent verification about the property.

However, this is easier said than done most times, because good-quality inspectors are hard to come by. As a result, when you are short-listing potential inspectors, make sure to follow up on their references. If possible, try and trace back their former clients and ask them whether they have experienced any problems which the inspector should have been able to identify.

Similarly, you might need to also hire the services of a professional accountant to audit all the leases for you. Unless you have the relevant experience in this field, you must ensure that your accountant has done similar work before. What your accountant or you need to look out for are any irregularities in the lease, such as problems with terminology which the pervious owner might have overlooked given his/her lack of understanding.

Additionally, you will also need to ask the seller to secure an estoppel letter from all tenants. For those of you unfamiliar with this term, an estoppel letter basically verifies that the attached lease is a true and accurate copy of the existing lease. More importantly, an estoppel letter also clearly specifies that there are no other agreements pertaining to the property between the tenant and the owner.

If so far you feel that the process of auditing leases and getting estoppel letters is mundane, you have another thing coming. You need to complete a thorough review of the entire inventory list to ensure that everything is in its said place. In addition to a visual inspection, it is advised to videotape the inspection as well. While making the videotape, ensure that you have one member of the seller’s team with you and remember to point out any item missing or in need of repair.

Additionally, you will also need to attain a certified property survey, either requesting a copy of one already available, or, by conducting a new survey. You need to ensure that the survey includes information regarding the property’s location, easements, and dimensions. If you feel you yourself don’t have the experience required to conduct an accurate survey, you can always turn to a professional surveyor. Lastly, you will need to make sure that all debts and liens pertaining to the property are accounted for in correctly.

You might wonder why all the caution. Just think about the stories you read in the paper about how so and so got scammed out of all his money. Being on your guard is not the same as being cynical. Remember that is your right to carry out this due diligence before you sign any document. Regardless of the property type, just before you sign the final contract, it is advised to make a final inspection.

If you do go through all of the above steps efficiently and whole-heartedly, you will definitely avoid any unpleasant surprises later on. That said, here’s wishing you Happy Buying!

Boomers Bank The Investor’s Guide to Commercial Real Estate and Retirement Planning How to Invest In Commercial Real Estate Using Your IRA or 401(k) http://www.ira-401k-realestate.com/IYF-Video-Opt-In/