What is a Light Bulk Wholesaler

What is a Light Bulk Wholesaler
by: Troy Breitmeyer


The term "light bulk Wholesaler" is turning up around the internet quite often these days, and turning some ears. I would like to take a moment to explain to you just what a light bulk wholesaler really is, and how they could really help you to expand your profit margin if you sell on ebay, or at your own online store.

A light Bulk Wholesaler will sell you, you the small business owner, products in bulk (by the case or pallet), in orders of less then 500 dollars for you store in your garage, storage unit, or wherever you choose to store them. Unlike using drop shippers, and just forewarding the order on to your supplier, buying from light bulk wholesalers will require you to have to deal with shipping, handling, storage space and the usuall things that any small home based business would have to deal with.

However, if you can find the room for storage, using light bulk wholesalers can be very profitable for you, because you will make more in profits, as many times you can get products this way for a very low price. (The same prices that major retailers pay for the products.)

When you by your products in bulk quantities, the wholesale supplier can offer you these products at the very lowest (wholesale) price available, allowing you , the Small Business Owner, the chance and the ability to compete and succeed in price drivin markets (like eBay.) In fact, most major retailers do business this way.(Buying products in bulk.) The bulk wholesaler will sell you, the retailer, a few, or several cases of their product(s) at a time to fufill your ordering requirements, and ship them to you. You store these products in your home, or if you are a brick and mortar retailer, you shelve these items. You get these products at wholesale prices, and in most cases, the larger the "bulk" the lower the wholesale pricing is for the products. You then ship or sell these items to your customer and you keep the difference that you paid at wholesale, and sold at retail.

A light bulk wholesaler will:

1) Sell New, Name brand Factory-Warranted products to you, the Home Based Business owner, at Wholesale Prices.

2) Accept minimum orders under $500.

3) Provide a way for you to compete in price drivin markets like eBay.

Using light bulk wholesalers can be very profitable, if you have the storage, and dont mind dealing with shipping.

Regain Control Over Your Life Once Again Through Debt Consolidation Refinance

Regain Control Over Your Life Once Again Through Debt Consolidation Refinance
by: Talbert Williams


Debt consolidation refinance is a simple way to regain your financial footing by refinancing your debt load.

By using a debt consolidation refinance plan, the equity you built up in your home can be used to pay off personal loan and credit card debts, among other things; however, you must not forget that borrowing for debt consolidation is actually adding another debt to the previous debt load.

On the other hand, taking a debt consolidation refinance loan will just mean using your own money from your built-up home equity to pay off your existing creditors.

How will refinance help to consolidate my debt?

Debt consolidation refinance will help you break free from debt you may have accumulated through poor money management or a chain of unfortunate events and bad financial habits.

It can help you get rid of the feeling that you are working only to pay your bills with no life at present. You can address the issue of increasing debt and regain control of your money, rather then being controlled by your debt.

It can set you back on the solid ground of fiscal responsibility that will help you sleep better at night and make life good once again.

How should I begin?

You can begin by doing a little research on programs and companies that can get you out of debt. Debt consolidation refinance companies may be loan companies, banks, or mortgage companies. The programs they offer vary from state to state and region to region.

Doing your research up-front and planning your best move is crucial to your debt reduction strategy. Check the interest rates and payoff amounts and decide what will work best for you. Also consider the monthly payments and closing cost.

Your next step is committing to a debt consolidation refinance plan. Slowly you can begin to reap the benefits.

If you carefully step into a debt consolidation refinance and plan every step, it will work for you. This can be your first step back into fiscal solvency.

Debt consolidation refinance is a simple way to regain your financial footing by refinancing your debt load.

By using a debt consolidation refinance plan, the equity you built up in your home can be used to pay off personal loan and credit card debts, among other things; however, you must not forget that borrowing for debt consolidation is actually adding another debt to the previous debt load.

On the other hand, taking a debt consolidation refinance loan will just mean using your own money from your built-up home equity to pay off your existing creditors.

How will refinance help to consolidate my debt?

Debt consolidation refinance will help you break free from debt you may have accumulated through poor money management or a chain of unfortunate events and bad financial habits.

It can help you get rid of the feeling that you are working only to pay your bills with no life at present. You can address the issue of increasing debt and regain control of your money, rather then being controlled by your debt.

It can set you back on the solid ground of fiscal responsibility that will help you sleep better at night and make life good once again.

How should I begin?

You can begin by doing a little research on programs and companies that can get you out of debt. Debt consolidation refinance companies may be loan companies, banks, or mortgage companies. The programs they offer vary from state to state and region to region.

Doing your research up-front and planning your best move is crucial to your debt reduction strategy. Check the interest rates and payoff amounts and decide what will work best for you. Also consider the monthly payments and closing cost.

Your next step is committing to a debt consolidation refinance plan. Slowly you can begin to reap the benefits.

If you carefully step into a debt consolidation refinance and plan every step, it will work for you. This can be your first step back into fiscal solvency.

Talbert Williams 2001-2006 All Rights Reserved

Are You Taking Care of Business?

Are You Taking Care of Business?
by: Patty Gale


Too often, when we say we are "taking care of business", we think about the paperwork, the accounting, the inventory, etc... the trivial things that are important to get done in order for our business to run smoothly and efficiently. While necessary, they are not the most important.

We need to change our thinking about what "taking care of business" means. We need to make sales in order to have a profitable business, and we know without our customers or consultants, we don't have a business. They are our lifeblood, they are what keeps us moving forward, and meeting their needs should be our primary mission.

Without consultants or customers, there are no sales. Without sales, there is no revenue... without revenue, there is no business and we might as well go back and get a j.o.b. It is crucial that we take care of our customers and consultants. CRM (customer-relationship management) is a buzz-word in "big business". Many large corporations have implemented systems and technology to supposedly create customer care. Some have been successful, many have not.

Most of these systems simply give the illusion of customer care, but have failed miserably in actually providing it.

How many times have you been through the "round robin" of "press 1 for this" and "press 2 for that", only to spend an hour or more and never actually speak to a live person or get your problem solved? You hang up in the phone in frustration and vow never to spend money with XYZ Company again. This approach to customer care continues to baffle me as to why large companies believe this is effective. How can they possibly think that customer relationships can be created and nurtured by a recording?

Are those who make these decisions that far removed up the "corporate ladder" they can't see this isn't customer care at all and having the opposite effect?

Each and every one of our customers and consultants should be made to feel like they are our most important one. If we don't take care of them, someone or some other company will. Small and home businesses have an incredible opportunity to take back customer care and relationships the way it is supposed to be. We are in an incredible position to "take care of business".

Technology is wonderful. Without technology, there would be no internet and many of us would not be in business. However, there is no technology on this earth that can replace human connections. Technology will never replace our customers knowing that there is someone who truly cares about their needs.

So, how about you? Are you taking care of business?

Fixed or Varialbe Rate Mortgage?

Fixed or Varialbe Rate Mortgage?
by: Morgan James


So you’re planning to buy a house. You might even have a home in mind. Unless you are independently wealthy, odds are that you will have to get a mortgage. You will want to choose a mortgage that is best for you and that suits your needs. The first step in this process is finding a bank that is offering you the best rates, and a banker that you can trust. Once you have done this, you will want to consider the different types of mortgages. The two most common types of mortgages are fixed and variable rate.

A fixed mortgage means that you buy into a mortgage at one rate (often the current market mortgage rate, which can be about 1% below the prime rate) and you will pay that rate until you have either paid back your mortgage, or have decided to move. Any move with a mortgage means that you will have to renegotiate and refinance.

A variable rate mortgage is one that changes with the interest rates as they fluctuate. However, you generally agree to one monthly payment. Say, for instance, that you agree to a monthly payment of $1000. Perhaps $700 of that is going to pay the capital investment (the initial money that you owe) and $300 is going to pay the interest. If the interest rates rise, you will still pay $1000 each month, but only $600 will go to cover your capital, and $400 covers the interest. This means that it will take you a longer time to pay back your mortgage if the interest rates rise. Conversely, if you have a variable rate mortgage and the interest rates fall, you can shorten the time it will take you to pay back your rates. Of your monthly $1000, you could end up paying $800 to the capital and $200 to the interest.

The difficulty with variable mortgage rates is that nobody can predict how interest will move. In the early 2000s, mortgage rates hit an all-time low. This meant that if you had chosen a variable rate mortgage in the 1990s, you would have done very well and paid your house off quicker than if you had chosen a fixed rate mortgage. However, if you chose a variable rate mortgage in 2002, your interest rates have been steadily going up, and you are possibly looking at the long-term financial forecast with horror. You can refinance your loans to fix yourself into a lower rate. Ask your bank what the penalties for refinancing are, and discuss your options with a banker.

A fixed rate mortgage offers home buyers the comfort of knowing exactly when they will be able to pay off their mortgage. Some home buyers would prefer to avoid the stress of having to watch the interest rates to pay off their home.

One type of variable rate mortgage is an adjustable rate mortgage. This might mean that your mortgage rate is calculated every year, or every six months. Your payment plan might even hinge on the interest rates. In this case, this means that if you have an adjustable rate mortgage and the interest rates rise, your payments might rise as well. Talk to your banker to see if the interest rates will affect your monthly payments.

Interest rates have been slowly but steadily increasing over 2004, 2005, and 2006. There has been a slight increase in the number of houses that go into default recently as well. Financial analysts agree that this trend is only going to continue for the coming years, which means that more and more people might find it harder to pay off their mortgages. Consider your financial situation and your future prospects. Be sure to choose the mortgage that works best for you, both in the short term and the long term. With a little research and planning, you will be able to make informed financial decisions that will benefit you and possibly save you thousands of dollars.

Why Small Business Must Turn to PR

Why Small Business Must Turn to PR
by: Robert A. Kelly


Please feel free to publish this article and resource box in your ezine, newsletter, offline publication or website. A copy would be appreciated at bobkelly@TNI.net. Net word count is 670 including guidelines and resource box. Robert A. Kelly © 2003.

Why Small Business Must Turn to PR

If small business had no important outside audiences, it wouldn’t exist.

But since they do have external “publics,” it’s doubly unfortunate when those same small business owners seem unconcerned about the very outside folks whose behaviors can place a choke-hold on their business!

And worse, are so casual about public relations, the best way to move those behaviors in their direction.

Is that you? What’s the problem? Can you think of any other way to marshall those groups of people you need so badly if your business is to succeed?

Face it. You must turn to public relations if you are really serious about getting those important outside people to support what you are trying to do.

And the best part is, there’s no mystery about how to do it!

Start today by listing your important outside audiences in priority order. No doubt, customers and prospects will place #1 and #2. But think carefully about your local and trade media as well as community residents and leaders, suppliers and the like. The test for adding an external audience to your worry list is this: if left unattended, could its perceptions and behaviors hurt your business?

Since there is no other affordable way to find out how each of your target audiences perceive your business, products, services and operations, you must take the time to do it yourself along with your colleagues. Interact with members of that key target audience and probe their perceptions with plenty of questions. Watch for misconceptions, inaccuracies and rumors that need to be corrected. Stay alert to negativity of any kind.

This will let you decide how much you will try to alter perceptions among each audience. It also becomes the behavior modification goal against which you will measure your progress.

Now it’s message time. What will you say to members of your target audience to alter that negative perception that surfaced during your conversations with them? Your message must be persuasive, so stick with the facts and present them clearly. By identifying honestly what is really at issue at the moment, you impart a sense of credibility to your comments, and their timeliness adds a compelling dimension to your message.

What’s the best way to get that message to the eyes and ears of members of your target audience?

Here, you have an embarrassment of riches with dozens of communications tactics including news announcements, op-eds, letters-to-the-editor, speeches, community briefings, broadcast and newspaper interviews and many, many others.

Progress can best be tracked by interacting all over again with members of the target audience. While you’ll ask questions similar to those you asked in your earlier monitoring sessions, this time you’re looking for signs that your message got through. In other words, signs that your message succeeded in altering any negative perceptions of your business.

You should also monitor print and broadcast media, key customers and prospects for similar indications of success.

Should progress not be fast enough for you, you’ll want to consider increasing the number of communications tactics you employ as well as the frequency of their use. Your message should also be re-evaluated for its factual basis and clarity.

Gradually, your monitoring will playback perception changes among that target audience, and that means the behaviors you seek will not be far behind.

It is this kind of success that tells us very clearly why small business must turn to PR if it is to realize its potential.

end

How to Make the Most of an At Home Money Making Business Opportunity

How to Make the Most of an At Home Money Making Business Opportunity
by: Adrian Austin


An at home money making business opportunity can be a great way to stay home and earn money. However, as with any opportunity, you should ask questions. First, examine the product the opportunity sells. Would most people want it? Would you want it? Your liking the product will translate to others liking it too.

Second, what will the at home money making opportunity cost? Will it cost to join or market? Will you have to buy equipment? How will you be paid? How long does it take before you make a profit? Be wary if the company makes unrealistic promises such as earning lots of money at once. Look at what you will be spending versus what you are earning.

Third, how much training will you need for the at home money making business opportunity? The company you're affiliated with should show you how to advertise. Work with others to learn about your product and the best ways to sell it.

Fourth, find mentors who have successfully sold your product. You can find out what worked for them and what didn't. An online forum with people experienced with your business can help you be successful. Find out how much money can be made.

Fifth, look before you leap. If you're unsure about something, make sure you resolve your doubts with the company. Research the business before getting into it. Some businesses will let you have a free trial period before you have to sign up with them. While you should be cautious, you should also give yourself some time before you quit. Try to get the most out of your time and money.

Sixth, make sure you have all your legal matters in order before starting the business. An at home money making business opportunity regardless of how many people are involved can be subject to the same regulations and laws as traditional businesses. Contact the relevant local government agency. They will give you free information on licenses and fees. You can call them if you need zoning permits. An accountant may be helpful in telling you how to meet the requirements for a work at home business. They can also answer questions about taxes and forms needed for certain kinds of businesses. Your local business chamber of commerce may be able to answer questions about home businesses.

Seventh, prevent your home life from interfering with your business. Have a specific space created for an office. Make a schedule and stick to it. Consider getting another phone line or post office box for business communications. Talk to the people you live with about how you need their support and help in making your home business great. With preparation and effort, your home business can be a winner.