Why are myspace layouts so popular

: Myspace has become the largest networking site on the Internet. Its popularity is growing every day, and there are many users who are signing up every day. Layouts are the most important part of the site as it is what presents the profile to the users. Many visitors will be impressed with the profile and then make friends. Since the site offers many opportunities with the features, there will be a lot of people flocking to the site. To match the number of users, there are many layouts that are being designed. Many designers post the layouts on the Internet, and they will offer the designs for free. Any user may pick one of these designs and apply it to their profiles. The versatility of the features, and the number of users are a reason for the layouts to be popular. People want to experiment with them, as they will be of various themes.

They can pick any kind of theme that they want, and they may just apply the codes to the site home page. Once this is done it will automatically be updated. These Myspace layouts are also so popular because one can create their own designs. Since everyone will have different choices, they will be allowed to create a good theme for themselves. It allows a user to enhance his profile in a very big way. The different uses of the layouts will attract more users to the profile. Myspace layouts are also so popular because they are available for free, and they are available on many sites. It is very easy to find good layouts too, as search engines will be of use. Users may also use suggestions from various sites, and they can be followed for the best results. There will be layouts to cater to all the needs of the people.

The layouts will not be monotonous but of various categories, and there will be everything right from films to music. It is up to the user to pick what he wants, and that is what makes the layouts so popular. With other networking sites, there will be no layouts to choose from. The layout designers will not leave any theme untouched.

As much as possible, they will give the user what he needs. Most users are happy with the choices that are offered with the layouts, but there are some others who may want to make their own designs because they may have a very specific profile presentation to make. Layouts are what will speak about the profile, so many users will take time to select this and customize their profiles. Myspace layouts are becoming more popular by the day. Since there are many users, there is the need for the designers to keep updating almost every day. There is also no end to the creativity offered with the layouts.



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The great westerntrail

The Great Western Trail: A Utopia for ATV Trail Riding The American West was founded on dreams and the pioneer spirit. “Go West young man!” was the battle cry of thousands of individuals looking for adventure and a fresh start. In time, the way west had been criss-crossed by dozens of trails and passages to reach the Pacific Coast. In time, those trails would become a means for commerce as well as leisure travel and the means of transportation would be as varied as the people that used the trails. The same spirit lives on today in the American West. People sitting around campfires still have dreams and the drive to see them happen. One such group of people is the founders of the Great Western Trail. The GWT isn’t a route for a modern day cattle drive, the Great Western Trail is an idea in the making for a multi-purpose outdoor vehicle trail that runs from Canada to Mexico. The trail won’t just be for ATV and dirt bikes, the goal is to make the GWT available to hikers, horseback riders, skiers, snowmobilers and many other outdoor enthusiasts. Putting together a trail of this magnitude is going to take a lot of work and forethought. You can imagine all the precautions and planning that needs to be in place for these motorized and non-motorized trails to work together. Overall the “trail” will most likely be a collection of trails running parallel to one another. You can’t have a horse and an ATV running on the same trail without some obvious safety issues. There are also some areas that motorized vehicles will not be allowed to go, but a horse or a hiker would. The GWT started back in 1985 and so far there are several hundred miles in Utah and Arizona. Like the Eastern and Western railroads of the old west, the goal is to have both the Northern and Southern sections of the trail meet in the middle, completing a way from Canada to Mexico. Portions of the route are already created and when the whole trail is finished it will cover a total of 4,455 miles through Arizona, Utah, Idaho, Wyoming, and Montana. Much of this route is mapped out over some of the most beautiful scenery the United States has to offer. The landscape of the American West is gorgeous enough from a car or the back of a motorcycle, but riding through miles of Arizona desert or the stunning Utah rock formations on an ATV can be downright spectacular. The builders of the GWT hope to utilize trails and roads already existing along the route. By doing this it cuts down on any new construction that needs to be done. The Great Western Trail is also making use of much of the public lands along the way, especially the land deep in the center of the Rocky Mountains in Colorado. The trail will also utilize a few National Forests such as Bitterroot and Salmon National Forests and a portion that follows the Continental Divide National Scenic Trail. Still other sections of the trail will wind along the western portion of Yellowstone National Park. Eventually when the trail is finished, you will be able to spend a week or so riding the trail and have the ATV trail riding experience of a lifetime. Word count 547



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Volvo p1800 a giant leap for volvo

The very first sports car that Volvo had produced was the Volvo P1900. It was considered to be an automobile tragedy for it did not do well. In fact, it was only able to sell a skimpy sixty eight units. Despite the downfall of Volvo’s first attempt at producing and manufacturing a sports car, the company still has taken a great leap so as to design and craft another sports vehicle. And this was the very reason for the Volvo P1800. This vehicle started as a project in the year 1957.

The person who was behind the project on the Volvo P1800 was Helmer Petterson. Petterson was an engineering consultant in the company and he was also responsible for the Volvo PV 444. The actual design aspect of the Volvo P1800 was crafted by Petterson’s son, Pelle Petterson. The company that Pelle Petterson worked for was also the company who built the very first prototypes of the Volvo P1800. Of course, the prototypes were named differently. The first three prototypes held the designations P958 X1, P958 X2, and P958 X3. It was during the last month of 1957 when Helmer Petterson first drove the first hand-built P1800 prototype which was the P958 X1. He then had some engineers look at the prototype and it was agreed that the manufacturing and crafting of this vehicle could start soon and the company would be able to send them off rolling to the streets come the following year. However, Volkswagen the company came into the picture and restricted the engineers and firms who would be crafting the Volvo P1800. It was for the very reason that the company was afraid that it would seriously hurt the sales of their very own line of automobiles. However, as luck would have it, the company was able to locate a good firm that would have the capacity to build Volvo’s second sports car. The Volvo P1800 made its very first public debut in January of 1960 at Brussels Salon. It showed up as a very attractive sports car that held small fins on the rear fenders. This vehicle held many components shared with other Volvo vehicles like the Volvo 120 series sedan. It held shared parts like its running gear, the 1780 cc overhead valve engine with four cylinders, and most components of its suspension. The suspension of the Volvo P1800 was A-arms with coil springs found at its front and a very solid axle with coils installed at the rear. Volvo has, in the case of the Volvo P1800, made another giant leap and delved into the unfamiliar territory of sports cars. However, it certainly was worth their effort. As part of continuing Volvo’s tradition and culture of making leaps and going places, Volvo Parts and Used Volvo Parts also continues to produce quality parts for Volvo vehicles. These parts have gone through strict and rigid quality control and standards so as to perfectly suit Volvo vehicles. http:// voparts. com has a vast array of well crafted Volvo P1800 parts, accessories, brakes, steering and a lot more. Customers can choose from its online store that is available 24 hours a day to serve the most demanding needs for Volvo auto parts.



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Debt collection some tips for dealing with old debt

The business of debt collection has become very lucrative and the collection of "old" is on the rise. It would be wise to know your rights when it comes to getting collection calls for old debt especially debt that is excess of seven years and no longer appears on your credit record. 1. Be aware of the statute of limitations in the state you live and in the state the debt was incurred if they are different. If it has expired, the collection agency will have limited legal options. 2. You may want to ignore the call. If the statute of limitations has expired they have very little recourse and you have a lot to lose by negotiating repayment. Repayment could cause it to be relisted on your credit report again. 3. Write them a letter and send it certified mail. Do not admit to the debt. Once they have received the letter the law prohibits them from contacting you again. 4. Know what your rights are. A copy of the Fair debt Collection Practices Act or a copy of "Money Troubles" by Leonard will familiarize you with what your legal right are. 5. Watch your credit report. If you see something on your credit report that is incorrect, you can dispute it with the credit bureau. If the reporting agency or creditor can not prove that the information is correct, it will be removed. 6. If the statute of limitations is still current, you may want to try to work out a settlement with the agency. Negotiate with them and see what you can get worked out. Collections has become a very lucrative business. Knowledge is power. You will best be able to handle your debts if you know what your rights are and where you stand.



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10 things to do when business slows down over the holidays

I’m sure you’ve seen it happen every year: your business slows down during predictable times, like the summer vacation months or year-end holidays. For the self-employed who rely upon steady cash flow, this can be a disconcerting time. Should you just take a vacation until things naturally pick up again? Or should you try to find the needle-in-the-haystack business that might be out there during slow times? This year, vow to be different! Instead of languishing in no-business-never-land, get off your butt and do something to build the foundation of your business so that natural business cycles don’t affect you too deeply: Clean your office. Go through all the piles of papers and magazines that have been sitting around and get rid of them once and for all. Remember the office organizing mantra: do it, ditch it or delegate it. File all your papers, dust and vacuum your office. Reorganize your desk and your office so that you can find everything you need in 60 seconds or less. Take a mini-vacation from work. Walk away from your office and enjoy a day or two of renewal and relaxation. Go to a day spa. Take a weekend retreat. Go for a walk in the local park. Breathe. Get ready for tax season. If your business slows down during December, no worries! Use that time to prepare your tax files so that you can whiz through tax season (it’s coming sooner than you expect!). Tally business-related mileage for year. Estimate your last tax payment for the current year (many self-employed people make quarterly estimated tax payments; the final payment is usually due on January 15). Send your final invoices for the current year. If the slow time falls around the holidays, use them to your advantage. Get into the holiday spirit with your clients by mailing holiday cards and gifts to them. Make specially-discounted holiday offers to clients/customers. Offer them gift certificates that they can give to their family and friends for your services and products. Do your accounting. Enter all revenue and expenses into your recordkeeping system. Balance your checkbook. Become goal-oriented. Take this down-time to look at your current goals, to see how you’re doing so far and to write some new goals for the next 12 months. Create an updated marketing plan and budget. Make sure your budget includes a cash reserve to cover you during slow business times. Even if this business slow time falls mid-year, you can still spend time planning for the next 12-24 months. Go back to school. List the topics you’d like to study, the classes you’d like to take, or the books you’d like to read, to keep you up-to-date with your industry and business skills. Use your quiet business times to read, study and add to your intelligence pool. Get some personal chores done. Slow business times are ideal to schedule your annual dental and eye exams. It’s also a great time to clean out the attic, garage or basement. Remember, a strong personal foundation helps to propel your business forward. Go shopping. No, not for personal items (though that’s always fun!), but for business items. Have you been putting off buying a new PC? Now’s the time to research what’s out there and determine your next computer purchase. Is your office chair uncomfortable? Spend some time at office furniture stores “butt-testing” for a quality office chair that will support you properly. Stock up your office supplies. Buy some music CDs to play in your office to inspire you. Spend time with family and friends. When business is busy, it’s easy to sequester yourself away to get all that work done. Now that business is slow, come out of your cocoon and visit with family and friends. They’ve been wondering where you’ve disappeared to! As you can see, slow business times can be used productively to prepare you for the next burst of business coming your way. Renew your business, your office, your Self, and create a firm foundation for the busy business days ahead! Always ask yourself, “How can I use these days wisely?”



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Opening a bank account doesn t have to be difficult

If you're a young person who has just begun to earn some money, it is very important that you know how to open a bank account. Once you do, you'll have taken the first step in a long-term process of financial independence and growth. A bank account is not only essential to cultivating savings, it is also important for day-to-day financial activities. Before you decide what bank or financial institution with which to do business, however, do some research. Talk to your friends and family about where they do their banking. Ask them questions about the service their bank provides, and whether or not they are satisfied with it. Next, determine exactly what type of account you want. The two most common types of accounts are a checking account, and a savings account. A savings account does just what its name implies – it allows you to deposit money in the bank that will receive a small amount of interest over a period of time. A checking account is intended more for daily, weekly, and monthly transactions, such as the writing of checks and the withdrawal of cash for various minor purposes. For this reason, a checking account does not usually generate interest. When choosing a bank account it is crucial to know what services are important to you. Do you want low fees, access to an ATM machine, good customer service by phone and Internet banking? Or maybe you simply want to have an account with a bank that is located conveniently close to home? These are all key questions you must ask yourself before choosing a bank. Once you've chosen a bank, all you have to do is go to the branch and fill out an application form. Most of the time you also have to provide the bank with an initial deposit for the account as well. Then you are given a bank number and an ATM card (if you chose this option). If you have opened a checking account you will also be given a book of checks. By Jakob Jelling http:// cashbazar. com



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Drop on demand printers

Most HP and Epson printers are drop on demand printers. They use electrical pulses to fulfill requests for ink. The ink is expelled out of the print head by a bubble which forms as a reaction to being heated. Once the ink is propelled out of the cartridge, the bubble cools, contracts, and forms a vacuum of sorts, which pulls more ink into the nozzle. HP DeskJets and BubbleJets are popular examples of printers that use this technology. Epson printers work on the same principal with the exception of a minor twist – they use a transducer to produce the droplets in what is referred to as piezoelectric DOD. So what about the ink – does it matter what kind you buy as a replacement? The answer is yes, it does matter. The ingredients that go into ink play a huge role in the quality of your printouts. All ink manufactures work to strike the delicate balance between print quality, time it takes to dry, and nozzle performance. As you might have guessed, as the print quality improves, the dry time increases. Manufacturers have to be careful that the ink does not dry too quickly – there is the danger that it will actually dry on the nozzle. This can ruin your print head, definitely clogging up your nozzle, and reducing the print quality.



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High iq change your eating habits and super boost your intelligence quotient

Do you feel heavy in your head when you walk around? Is your score in IQ tests too low? You may not feel as active or quick as early or you may be forgetting very commonly used words. This need not be the situation that cannot be dealt with. You can eat certain food items which will help boost your brainpower, clear up your brain and make you think at a quick pace. Hence if you want to increase your intelligence level (and your IQ - your score in IQ tests) to the highest level read the information given below. It will help you clear up your brain and you will have great thinking power and ability to score higher in IQ tests. Your memory also depends on your eating habits. Fish Oil "Fish is a food for your brain" is an old belief. But nowadays fish is very polluted with mercuy and dangerous substances, so I will not recommend fish for consumption. Instead, I suggest to eat fish oil. It has fats which contain DocasaHexanenoic Acid and is beneficial for the brain and acts as a protective layer. A majority of our brain is made up of fat and that fat is either DocasaHexanenoic Acid or Arachidonic acid. Arachidonic acid is found in unprocessed dairy products like butter and DocasaHexanenoic Acid is found only in fish and not in any other plant or vegetation. It is very important to use a fish oil which is exceptionally good and has good reputation. I have done research and have clinical with patients, which shows the following trends. 1. Liquid form of fish oil is far better than capsules. 2. Not all brands are good 3. Carlson's brand is the best and purest of all existing brands today. It may not be the only brand that is exceptionally good, but till now I have come across many and have found that carlson's brand is the best as far as fish or cod liver oil is concerned. You can find this brand at Mercola. com or at any health store near your house. Vegetables Nothing can ever match the nutritions that pure vegetables can provide us. Alzheimer's has been known to occur because of deficiency of folic acid (green vegetables are very rich with it). Similarly, there are many other elements, antioxidants and phytochemicals that vegetables provide us with and can help us in keeping our brains sharp. The easiest way to eat enough of vegetables is to prepare vegetable juice on a regular basis. But the type of your metabolism is a key factor to decide what all you need to consume. For example, if you are a protein metabolic type, you need not eat vegetables. You can have half of what is usually recommended. That is for a protein type adult, one can eat half a pound of vegetable and this will be sufficient. If you are a protein type of guy your diet should consist of low potassium vegetables like beans. Lettuces and the usual diet like collard greens have high potassium content and may cause biochemical imbalance. Also, if you have a metabolic type you also don't need much vegetable juice consumption. A carbohydrate metabolic type wil beneft if he consumes more vegetables like collard greens, kale, Swiss chard etc. These are very much not suggested for the protein types. I do recommend organic food if you want to get the most nutritious input, but if you cannot afford to buy them, don't give up eating vegetables altogether. Eating vegetables in any form, organic or not is good and better not have them in your ration at all. Raw Eggs The best source for high quality nutrition is raw whole egg. It is also very much affordable by all. It is especially for those who are protein deficient. You may face some difficulty initially to eat them, but you will greatly improve your health, if you eat raw egg. Boiled or cooked eggs will not result in the same, so the lesser you cook the egg the more nutrition you will consume.



Online High iq change your eating habits and super boost your intelligence quotient

Four learning styles

There are four learning styles that most people fit in to. Visual/verbal, tactile/kinesthetic, visual/non verbal and auditory/verbal. These four learning styles will help you to understand and process any information given to you. Once you know which style you fall in to, you can begin learning the best ways for you to study. The visual/verbal learning style means that you learn the best from viewing information both visually and in a written format. It works best for you when your instructor uses the blackboard or an overhead projector. If the most important parts of a lecture are put into a bulletin format or used in an outline, you will find it much easier to follow along. Textbook information and class notes will be a great way for you to study and when you're trying to retain information or remember something, you often can "see" it or picture it in your mind. Of the four learning styles, the visual/verbal person will want to use color coding to help them retain information from books or notes. Highlighters and different colored pens are a great way for this learner to absorb information. Summarizing important information from your notes or textbook is another good way for you to retain what you have learned.

This person might also try flashcards, diagrams, illustrations and print-outs to aid in studying. The second of the four learning styles is visual/non verbal. This person learns best when they are presented with pictures or visual aids. Instructors who incorporate film, videos, maps or diagrams will hold the attention of the visual/verbal learner. You may not find study groups helpful and would prefer to work in a quiet room. If you're trying to remember something, you might picture it in your mind. These learners often tend to be very artistic. To aid in your retention of information, the visual/non verbal learner should try using flashcards that have important information on them. Illustrating them with pictures and symbols is another good way to help the information to be retained as well as using highlighters and pens.

The third of the four learning styles is tactile/kinesthetic. This learner enjoys "hands on" activities in the classroom. Any type of lab setting or field work will help this type of person to understand the information given. Instructor's that provide their students with demonstrations, presentations or student learning experiences will be helping the tactile/kinesthetic person learn. Lectures might be hard for this person to sit through, and that's why it's important for them to sit in the front and take notes. Spelling shouldn't be a concern when you're writing notes and you should write down important words you here or draw pictures to depict them. When you're studying, try incorporating action into it - read when you're on the exercise bike or walk back and forth while reciting information. The last of the four learning styles is auditory/verbal.

The auditory/verbal learner works best when information is given to them in an oral format. Lectures and group discussions work well for you and listening to audio tape information is a good idea too. To study more efficiently, you might want to join a study group or find a person that you work with every day for a few hours on certain material. Read information out loud and tape record your lectures.



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How to stretch your way to fitness

Not many things pay off for the body as much as stretching. Nothing could be simpler or take less time. Alas, most Americans neglect stretching as part of an every day fitness program. Stretching boosts muscle flexibility, which in turn leads to decreased likelihood of injury, better muscle performance, and a sense of well-being that lasts for hours after you’ve finished. Ideally, you should stretch several times each day. Stretching in the morning gets your body ready for the activities ahead.

It also presents your brain with a focused, quiet activity can result in a feeling of peace and lowering of anxiety levels. In the evening, stretching will help work out the kinks of a day’s wear and tear. Stretching and relaxing muscles before going to bed will lessen soreness after a hard day and will have you waking up feeling wonderful. Finally, stretching is an unquestionable must prior to any vigorous physical activity to prevent injury and reduce post-activity soreness 10-15 minutes is plenty of time for the morning, evening, or pre-activity stretch. The following stretches provide brief examples. An abundance of books and videos are available for more detail. The most basic stretches can be performed while seated. Start with your neck. Look down at your stomach. Then slowly roll your head to the left, then back so you’re looking at the ceiling, to the right, and back down. You should feel the muscles in your neck stretching. A similar motion can be performed with the wrists. While seated, simply move your closed hand in a circle using your wrist. Then lift each leg, and draw the same circle with the feet around the ankle. Make 3-5 such circles in the clock-wise direction and then the counter-clockwise direction with your neck, both wrists and both ankles. Move to the calf muscle. Find a wall, chair, stability ball, or something that you can safely lean on. While leaning comfortably against the object, move your right foot two feet back. Slowly bend your left knee so that your right ankle flexes. You should feel the muscle in the back of your lower right leg being stretched. Hold the stretch for 30 seconds and release. Repeat the exercise with your left calf. The best way to stretch the front of the upper leg (the quadriceps) is to lie down on a flat surface (floor, bed, mat, et cetera). While lying on your left side, with your left elbow on the surface, and your left hand supporting your head, pull your right foot up behind you, so that the knee is bent as far as possible. Reach back with your right hand and grab onto your right foot. Pull you foot towards your back until you feel the muscle stretching. Hold this stretch for 30 seconds. Perform the same stretch for your right leg. For a basic shoulder stretch, clasp your hands behind your back and slowly lift them upwards. You’ll feel the muscles in your shoulder stretching. Hold this stretch for 30 seconds. Countless other stretches exist, but this schedule gives you a basic routine. Consult with your doctor and, if possible, a physical trainer to fine tune a “flex schedule” that’s right for you.



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Overpricing homes sellers 1 mistake when listing their home

Home sellers said that overpricing was the biggest mistake they made when listing their homes. Next worst mistake is dealing with the same real estate agent who represented the buyer. Overpricing a home is the number one mistake sellers said they made when listing their homes, according to a new national real estate e-mail survey. The margin was nearly three-to-one over the second choice concerning homes for sale. Survey respondents said their next biggest mistake was “dealing with the same real estate agent who represented the buyer,” thereby setting up a possible conflict of interest and possibly a perception that the buyer was getting a better deal with the home price. Third biggest mistake was “failure to disclose known defects or problems.” Virtually tied for fourth place were: “under pricing their real estate properties” and “not utilizing Internet technology to market their homes.” “With the rapid home price appreciation we’ve seen in many housing markets across the country, it’s not surprising that sellers expectations sometimes outran their local real estate market reality,” said Michael Bearden, president and CEO of HouseHunt, Inc. Bearden expressed surprise over the negative response to agents representing both buyers and the sellers: “Usually it boils down to good communication with the consumer. The agent who communicates effectively and stays in touch throughout the real estate transaction usually has a positive experience with both the buyer and the seller.. With automated response systems customer communication should not be a problem.”



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Hiking with children

There is nothing quite like hiking with small children. The thrill of introducing these young ones to the wonder of nature is matched only by their eyes as they take it all in. If you follow a few simple rules when hiking with children, things go extremely well. Forget these simple rules and your treks with the young can be a recipe for disaster. The first thing to remember is that young ones don’t understand or know the dangers of a trail that might seem the most basic of realities to anyone else. Poison oak, snakes and wild animals seem fun to the youngest of hikers. You know better and need to make sure that your partners do as well. You’ll need to be the eyes and ears of those who eyes and ears aren’t yet up to the task. You’d be surprised how quickly they can get themselves into trouble so you’ll need to keep on your toes.

Secondly, you’ll want to bring lots of snacks. Little legs burn a lot of energy when they’re hiking and their little stomachs require that you feed them often. Obviously, go without quick fixes of candy and the like. Nuts, whole grains and dried fruit all taste great and work well for all ages. Make sure to bring lots of water as well. With so many snacks, trash will be a big issue. Teach these young ones about the power of packing out their trash and keep the environment as clean and pristine as possible. Know that a good first aid kit with Band-Aids, ointment and insect repellant is always a good idea. There is no reason to let an entire hike go bad, just because someone fell down and went “boom.

” If your crew is young enough, diapers and a change or two of clothing is also well worth the effort. If one or more of the children are brought on the trek in some form of backpack, make sure that the pack is fit for you before you take off on your trip. Adjustments, for some reason, are always easier to make at home than they are in the middle of your trek. If you are purchasing a new pack for your adventure, consider shying away from the cheapest option – they are the cheapest option for a reason.

A good resale shop or a trip to ebay. com can find you high quality at a price you are willing to spend. No matter where you are hiking, waterproofing is a must. A couple of ponchos have been know to save the day more times than not. They weigh next to nothing but are life savers when needed.

Umbrellas are more awkward than anything else. Finally, take lots of pictures – these are memories that you’ll want to look back on for a long time. When you do take small children on a hike, the rewards are plentiful: an early respect for nature, good exercise, family memories and the like. Keep these simple thoughts in mind and you’ll find that this is an activity enjoyed by everyone that you’ll want to do again and again.



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An analysis of wells fargo company wfc

Copyright 2006 Geoff Gannon Wells Fargo & Company (WFC) is a huge Western and Midwestern bank that provides a diverse array of financial services to its more than 23 million customers. The company employs more than 150,000 people at its over 6,000 locations nationwide. Wells Fargo has about $500 billion in assets. While the company continues to derive more than half its revenues from interest income (about $26 billion), its activities are not limited to collecting deposits and lending money. Wells Fargo engages in other businesses such as brokerage services, asset management, and investment banking. The company also makes venture capital investments. Over the last ten years, Wells Fargo has averaged a 1.57% return on assets and an 18.19% return on equity. Location Wells Fargo is closely associated with California in the minds of most investors. The company now operates in 23 different states. However, the concentration in California remains. Mortgage lending in California accounts for approximately 14% of Wells Fargo’s total loan portfolio. Commercial real estate loans in California account for another 5% of the company’s total loans. No other single state accounts for a similarly sized portion of total loans. In fact, neither mortgage lending nor commercial real estate lending in any other state accounts for more than 2% of Wells Fargo’s total loans. Cross-Selling Wells Fargo’s focus on cross-selling is well known. The company has a stated goal of doubling the number of products the average consumer and business customer has with Wells Fargo to eight products per customer (from the current four products per customer). Cross-selling increases customer stickiness. It also helps increase profitability by decreasing expenses relative to revenues. The need for a large physical footprint is reduced – as is the need for a large number of bankers. Instead, the existing infrastructure is able to provide additional revenue from the same customers. Wells Fargo’s Chairman & CEO, Richard Kovacevich, explains the importance of the company’s cross-selling in the “Vision & Values” section of the corporate website: "Cross-selling — or what we call “needs-based” selling — is our most important strategy. Why? Because it is an “increasing returns” business model. It’s like the “network effect” of e-commerce. It multiplies opportunities geometrically. The more you sell customers the more you know about them. The more you know about them the easier it is to sell them more products. The more products customers have with you the better value they receive and the more loyal they are. The longer they stay with you the more opportunities you have to meet even more of their financial needs. The more you sell them the higher the profit because the added cost of selling another product to an existing customer is often only about ten percent of the cost of selling that same product to a new customer. This gives us—as an aggregator — a significant cost advantage over one product or one channel companies. Cross-selling re-invents how financial services are aggregated and sold to customers — just like other aggregators such as Wal-Mart (general merchandise), Home Depot (home improvement products) and Staples (office supplies)." Mr. Kovacevich’s enthusiasm for the cross-selling model is well justified. It is difficult to quantify the importance of meeting all the varied needs of your customers, because you can not measure the opportunities you missed. However, it is obvious that reducing each customer’s interest in considering a competitor’s services will greatly increase long-term profitability for any company engaged in any line of business – not just for a bank. Later, in the same website section, Mr. Kovacevich addresses the importance of customer stickiness: "(Cross-selling) is our most important customer-related sales metric. We want to earn 100 percent of our customers’ business. The more products customers have with Wells Fargo the better deal they get, the more loyal they are, and the longer they stay with the company, improving retention. Eighty percent of our revenue growth comes from selling more products to existing customers." This focus on retention is an important part of a long-term plan to maintain Wells Fargo’s above-average returns on assets and equity. Extraordinary profitability comes from differentiating your product or service from those of your competitors. Increasing customer stickiness and reducing “comparison shopping” is a key part of maintaining extraordinary profitability. Some businesses are blessed with enviable economics because of their product’s natural prominence in the minds of their customers. Most businesses are obsessed with market share. But, how many really think about “mind share”? Obviously, a product like Coke (KO), Hershey (HSY), or Snickers is going to have a positive association in the minds of consumers. For many people, these products will also have a prominent place in each customer’s mind (relative to other products and services on which money can be spent). A few other businesses have a healthy mind share without the positive association; GEICO is the most obvious example. The company’s brand conjures up nothing but the words “auto insurance”. Of course, that’s all the GEICO brand has to do. So, what does all this have to do with Wells Fargo? Mind share isn’t just the result of exposure to advertising. In fact, in most cases, exposure to advertising can not duplicate the kind of results that a direct, differentiated experience creates. Entertainment properties are by far the leaders in mind share. People who saw and loved Star Wars remember the film. In fact, they don’t just remember the film, they actually file it away (or, more precisely, cross reference it) in countless ways within their mind. The evidence for this particular example is abundant. There are countless references to Star Wars in other media. The name, the music, the opening text and countless other elements are immediately recognizable. Even the films Star Wars fans hated made more money than almost any other movies in the history of cinema – and this was decades after the original came out. So, obviously Star Wars has the kind of lasting mind share any business should aspire to if it hopes to continuously earn extraordinary profits. Unfortunately, most businesses, however well run, can not attain this kind of mind share. The products and services they provide can never be as differentiated and memorable as a motion picture. Just as importantly, the positive associations will not be present, simply because the product or service is not inherently exciting, entertaining, or pleasant. This is clearly the case in financial services. So, what can a financial services company do to improve its mind share? The most obvious tactic is simply to “wow” its customers. In fact, Wells Fargo’s CEO discusses this particular option in the “Vision and Values” section of the company’s website: " We have to 'wow!' them. We know what that feels like because we’re all customers. We go to the cleaners, the grocery store, a restaurant or whatever, and we find a situation where we’re 'wowed!' We walk out and we say, those people really listened to me and helped me get what I need. All of us hear stories about customers, say, who pick a certain line at the supermarket because they know the person who bags the groceries connects with customers — smiles, greets regular customers by name, asks how their families are doing. When a personal banker helps a customer in one of our stores, or when a customer gets help from one of our phone bankers or does transactions on wellsfargo. com we want them to say, 'That was great. I can’t wait to tell someone.'" Another option worth pursuing is widening the associations present in the customer’s mind. Financial services is a business where associations tend to be more conscious, categorized, and hierarchical than the associations formed in more heavily branded businesses. Put simply, the (potential) customer usually thinks of a “set” before thinking of an “element” within that set. Like many mental associations, the information can be returned in either direction. For example, the customer may normally think “banks” and then think “Wells Fargo”, but will also be able to return the word “bank” if prompted by the name “Wells Fargo”. This categorization is important, because it provides (limited) permission for Wells Fargo to expand its mind share horizontally (across service categories). In other words, providing a diverse range of financial services doesn’t just make sense from the provider’s perspective, it also makes sense from the user’s perspective, because the user of financial services has already grouped deposits, borrowing, credit cards, insurance, brokerage services, asset management, etc. together in a very loose way within his mind. As a result of this mental network, one positive experience with Wells Fargo will greatly affect a customer’s desire to pay for an additional service, even if the two services are not really all that similar. The three key elements here are: a broader definition of what Wells Fargo is (a place that does “money things”, not just a bank), a positive experience, and some sense of trust that the quality of service will be consistent. The last requirement is the easiest to meet, because it’s natural for a customer to assume that the positive experience was not a fluke, much the way a diner assumes the good meal he had at a particular restaurant was not caused by his picking the best offering from the menu. The diner usually assumes the overall quality of the restaurant’s various entrees is superior. Likewise, a good experience with one of Wells Fargo’s products or services will likely rub off on its other offerings. Valuation Shares of Wells Fargo currently yield just over 3%. The stock trades at a price-to-book ratio of just under 2.75 and a price-to-earnings ratio of less than 15. Conclusion Over the last 5, 10, 15, and 20 years shareholders of Wells Fargo & Company have fared better than the S&P 500. As of the end of last year, WFC’s total return over the last ten years was 17% vs. 9% for the S&P. Over the last 20 years, WFC outpaced the S&P 500 by an even wider margin: 21% vs. 12%. Wells Fargo has a stellar reputation with investors. The company is the only U. S. bank to earn Moody’s highest credit rating. Wells Fargo also boasts a well-known major shareholder. The largest owner of the company’s common stock is Berkshire Hathaway. Warren Buffett’s holding company has a roughly 5.5% stake in Wells Fargo. Berkshire’s last reported purchase occurred during the first quarter of this year. Wells Fargo has a stated goal of achieving double-digit growth in earnings and revenue while managing a return on assets over 1.75% and a return on equity over 20%. Those are both very ambitious goals. The company has achieved some of the highest returns on assets and equity of any major U. S. bank. However, Wells Fargo will probably need to increase the percentage of revenue it derives from fee businesses if it is to achieve these goals. In the years ahead, the company may well become more of a diversified financial services business. In fact, that’s what I expect will happen. The company’s commitment to cross-selling is not some fad. Eventually, this commitment will change the way investors think about Wells Fargo. Soon, it may be considered much more than a bank. Wells Fargo’s CEO makes the case that his company’s P/E is simply too low. Wells Fargo has a solid history of strong growth and profitability. So, why should it be valued similarly to most other banks? Shouldn’t it be awarded a multiple more in line with a growth company? There’s actually some merit to this argument. Wells Fargo is unusually well positioned for a bank. Often, those banks that seem certain to earn very high returns on assets and equity for many years to come are poorly positioned for future growth. These banks are often smaller than their competitors and focused on a specific geographic niche. Any acquisitions would dilute the exceptional profitability of the bank’s niche. Of course, there are also many consolidators in the banking industry. Unfortunately, many of these banks do not have a history of earning the kind of returns on assets and equity that Wells Fargo has achieved. Even more importantly, there is little differentiation between these titans of the banking industry and their national competitors. Therefore, their moats are highly suspect. Wells Fargo is a different kind of bank. It has a history of extraordinary growth and profitability. There are two obvious opportunities for future growth: geographic expansion and cross-selling. Of these two opportunities, it's clear I’m more enamored with the latter. An eastward push is not necessary, and certainly not via an ill-advised acquisition. There is a lot of value in the Wells Fargo franchise and there is plenty of room within that franchise for future growth. That’s one of the great advantages of the financial services industry. With the right model, limits to growth are almost non-existent. In other highly-profitable industries, there is often nowhere to reinvest new capital at a similar rate of return. If Wells Fargo is a growth stock, it is a peculiar sort of growth stock. Maybe that is what attracted Buffett to the company in the first place. Here is a business with a strong franchise that can grow for many years to come. Perhaps most importantly, it is a growth business that frequently trades in the market at value like multiples, simply because it’s a bank. At the current market price, Wells Fargo is the sort of investment you make once and forget. The valuation is not so cheap as to promise a good return if the business falters. But, the business is not so suspect as to require the margin of safety be provided by a low P/E ratio. Sometimes, near certain growth is the margin of safety.



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Is gastric bypass right for you

Gastric bypass is a form of weight-loss surgery done on a lot of Americans today. The reason is because more and more Americans are suffering from obesity and excessive weight problems. In some cases, a gastric bypass is the only way to make losing weight possible. For most of us, gastric bypass is merely an option. The American Society for Bariatric Surgery reports that there were more than 63,000 of such surgeries being done in the United States alone in the year 2002. However, it is important to note that a Gastric Bypass is not the right surgery for everyone. Think carefully because a gastric bypass is a very important surgery. It is not the magical solution to your weight problems and you will need to do extensive research before you commit to it. We have to emphasize that Gastric Bypass has a very high rate of complications although the procedure may sound relatively simple and effortless.

Most doctors who perform gastric bypass would advise the patient to undergo a low-calorie diet for at least 6 months before they go for gastric bypass surgery. Undergoing a gastric bypass surgery, you may have to bear with the consequence of a possible life-threatening complication as a result of the gastric bypass surgery. Your doctor would be in the best position to advice you on whether you’re right for gastric bypass. Emotional and physical issues may have to be taken into account because this is essential to your recovery after the gastric bypass surgery. However, because of the many possible dangers of undergoing a gastric bypass surgery, the Bariatrics Society designed and launched a program called the mini gastric bypass surgery. The mini gastric bypass surgeries are the less extensive versions of the more commonly used gastric bypass surgery. The mini gastric bypass surgery actually reconfigures the stomach so that absorption of food is reduced irregardless of how much food that person consumed.

A mini gastric bypass surgery also changes the way food is absorbed. The mini gastric bypass surgery takes a shorter time to perform and the recovery for the patient is quicker too. However, there aren’t that many researches and studies done on mini gastric bypass surgeries as opposed to a major gastric bypass surgeries, therefore, many insurance companies cover the major gastric bypass surgery but not the mini gastric bypass surgery!



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How to lose weight and improve your health

There is so much pressure on people to lose weight and look good at the moment but how can you lose weight in way that improves your health and benefits you? When I was a child growing up there was always a big emphasis on health eating healthily. So eating 5 portions of fruit an veg a day and drinking plenty of water was a normal thing then. These days though when comes to losing weight and improving health the market tends to contradict itself throwing at us lots of adverts for junk food, junk food and more junk food. Then on the other side of the coin we are presented with size zero celebrities whose seemingly fast weight loss plans and healthy diets have put the population, young and old into a dieting frenzy with people trying all sorts of things just to try and size themselves down and look good. This has opened up the floodgates of more and more people being diagnosed with anorexia, bulimia, scurvy and malnutrition all caused by diets and diet aids used to try and speed up the weight loss process. You read more and more stories about people dieing through overdosing on diet pills or from poor nutrition and these aren't just everyday people one example is American baseball star Steve Bechler, who had reportedly been using the weight loss supplement Xenadrine RFA-1 and overdosed. Sharlene Hesse-Biber, a sociologist at Boston College really hit the nail on the head when she said: "Thin is really part of what it means to be attractive within this culture, the message is that you have to shape up to the right kind of body. We punish and reward people for having the right or wrong body. We have so much hatred directed toward our bodies that marketers play to fat or the f-word," She believes that this has created a "cult of thinness" that leads some people to diet extremes that can be harmful. "It would be better", she says, "to forget what we look like and focus on what we do and being healthy." So how can you go about losing weight without falling into the same trap as everyone else? How can you lose weight in a way that's not only going to make you look great but feel great also? So this is the part were I tell you how great my company and its weight loss products are and how you need them in order to successfully lose weight and improve your health! However im sure you have already heard it a thousand time times so instead I invite you to have a look on my website, see what you think and make your own mind up. If you don’t want to buy anything that’s fine, if you do and your not happy I will give a full refund within 30 days no questions asked. So its up to you if you my site URL is: http://herbal-nutrition. uk. com/ozhealth I wish you all good health Arron Logan ozhealth@hotmail. co. uk



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Electric radiant floor warming the affordable luxury

(ARA) - Mountain climbers have an old saying: "Don't cheat your feet." A homeowner might consider this advice when building or remodeling a bathroom or kitchen floor. For floors, homeowners know that ceramic, slate or marble tiles are attractive and durable alternatives to wood, carpet or vinyl. They want the beauty of tile floors, but their feet tell them they're cold. While most people are comfortable with air temperatures of 65 to 75 degrees, they tend to feel uncomfortable if there's more than a 5-degree difference between the surface temperature (80 to 85 degrees) of the head and that of the feet. A bare foot gives an immediate indication as to the comfort level of any floor.

For this reason alone, tile is often not the flooring of choice. With a tiny amount of heat supplied by a human foot, carpet fibers warm almost instantaneously to "foot" temperature, about 83 degrees. A ceramic tile can't compete in this race: its mass needs a lot more heat for a longer amount of time. It would take approximately 30 minutes for a human foot to increase a 68-degree marble floor to foot temperature! Radiant floor warming systems solve this problem -- fast!

The most common radiant floor warming systems are either hydronic (circulating hot water in tubes in the floor) or electric (heating cables in the floor). Hydronic systems are more complicated, requiring pumps and valves and modulators and so on, and, as a result, are a lot more expensive to install than electric. Still, for whole house heating solutions, hydronics are a good choice. By contrast, electric systems are inexpensive enough for single room applications and simple enough for do-it-yourselfers.

Suitable for new construction or remodeling applications, electric floor warming systems include a network of cables installed in the mortar just below the tiles. These cables gently warm the tiles, operating on ordinary house current. While using a professional electrician is advised for those not comfortable working on electrical installations, these systems are generally easy to install and will not compromise the integrity of the tile installation. Designing a floor warming installation first requires a determination of the area to be warmed. Calculating the total square footage will require collecting information from the blueprints of the room or actually measuring the area itself. It should be noted that areas that are inaccessible or under vanities, cabinets, or plumbing fixtures should not be included -- there's no need to heat floor area that won't be walked on! When making the calculations it is advisable to design a layout that considers actual use and traffic patterns in the area to be warmed.

Using care in measuring and calculating the area will help ensure that the proper cable is selected for the installation. Preformed mats can also be selected to simplify the installation, but these are usually only suitable for rectangular areas; odd shaped areas, such as "T's" or "L's" will often have cold spots if heated by mats. Easy Heat's Warm Tiles cables are available as an off-the-shelf product in a growing number of distribution channels, including retail. Easy Heat also provides mats in stock and custom sizes.

Thermostats are also available with setback features to ensure that the cables are only heating the floor when the floor is being used. Floor heating thermostats differ from room heating thermostats in that they have a sensor that extends down into the floor to sense the actual floor temperature, and to control the cables accordingly, usually at about 85 degrees. Today, floor warming thermostats are available with sophisticated programming features as well. A complete system often can be installed using an electric drill and other ordinary hand tools. The installation process can be completed in three phases that will likely correspond with the construction or remodeling phases of your home or building. Phase one -- Electrical Rough-in During the electrical rough-in, the electrical box for the thermostat is installed, and the power supply cable pulled into it. Conduit holes are drilled into the wall plate (a two-by-four on the floor at the bottom of the wall) to enable the heating cable leads and thermostat sensor to be pulled into the electrical box. Phase two -- Install Cables For new construction, the cables are installed only after the drywall is finished and immediately prior to the tile installation. The cables are provided with plastic strapping that is stapled to the floor, and the heating cable is simply woven over the floor on the strapping. The leads of the cable and the thermostat sensor are routed through the conduit holes and up to the electrical box. A "scratch coat" of mortar (just enough to cover the cables) is then applied and allowed to dry, usually just a day. Then, the flooring can be completed in the usual manner. Phase three -- Thermostat and Power Connection The last phase calls for the installation of the thermostat and connection to the power source. For more information on electric radiant floor warming call (877) EASYHEAT, or go to warmtiles. com. Warm Tiles is a registered trademark of Easy Heat Inc.



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Kitchen the delicious living room

For a woman if cuisine is the door to a man’s heart, kitchen is where you have that door. Kitchen is no more the rustic workplace where women and housewives panted for several hours while they prepared meals. Kitchen used to be a segregated room, which now is an integral part of home with almost no physical separation. It is much brighter, wider and smarter than ever before and a place where members of the family would let their creative juices. So, welcome to the exciting world of decorated new age kitchen.

Decorating Your Kitchen to Your Taste Kitchen is where you want to decorate most after your living room. Sitting in your living room you can see the kitchen, perhaps this could be another reason for decorating it, if you forget the duration you spend there. Carefully decorated kitchen blends with the ambience of the home. Two things help give this feel to kitchen: the no-wall connection with the living room and the dйcor of it. If yours is a constructed home, choose a brighter color (distemper) for kitchen; for a brighter kitchen lightens up the mood and appears wide. Get the cabinets done up in plywood in its original splendor above dado but with softer look. Same pattern goes well on the lower row below the platform. Make sure you don’t leave corners uncabineted from both aesthetic and hygiene point of view. Mind you, the bottom line of upper cabinets must be well above your full standing height. Standard height for dado is 2Ѕ’ above the platform, but there is no reason why it should be so. Take it as high as to touch the bottom of upper cabinets. This avoids the unpleasant strip of blank space between them. Next, the dado must match both upper and lower cabinets in dйcor. If you chose plywood for cabinets, stainless steel in mat finish would look great. While mat finish is pleasant on eyes, steel good for hygiene. Other option is ceramic tiles. Plan crockery showcase near dining table to avoid the odd look if made in glass panes. This also adds to convenience and doesn’t clutter the main kitchen area. You must have the chimney concealed within the cabinet if the cooking spot is along a wall. A hanging chimney goes well too, provided it is encased. The best places for faucet and sink are close to the stove and along the exterior wall. If the sink is on your left, have the fridge and oven on the right, purely for convenience sake. It gives a neat look without cluttering the space. Decorating kitchen is an endless saga. And immediately you are on a mission to maintain it.



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Are you covered and don t realise it

Amanda was 42 when she was given the difficult news that she had ovarian cancer. The West Yorkshire woman received chemotherapy treatment after diagnosis, but Amanda became one of the unlucky ones. She had a bad reaction to the chemotherapy and because of this she was unable to work. So when a tax bill arrived in the post for a large sum of money, re-mortgaging her house felt like the right thing to do. The building society with whom she had the mortgage asked her to bring along her life insurance papers to support the mortgage application. But to Amanda's surprise, what she thought was a life insurance policy was in fact critical illness insurance instead.

She had been paying out Ј80 per month for two separate insurance policies with Scottish Provident and Norwich Union and had absolutely no idea that those two policies covered her for critical illness. As a result, Amanda claimed back a staggering Ј100,000, which paid not only the tax bill but her mortgage as well. Many of us haven't got a clue about the exact sum we're paying on insurance each year or the details of what we are in fact covered for. Not only are we shocked to find out that we are actually covered for more than we in fact realise, but that we're doubling up by paying for various types of insurance that actually cover the same thing. You'll find that it's areas such as loss of income, legal expenses, theft and death which most often people wind up paying out twice for when there is no need - mainly because they haven't carefully read the insurance policy or because it has been the case that some insurance has been put on to some policies as an added bonus. In a recently released Financial Services Authority survey, it shows that car insurance policies also come with added extras like breakdown recovery and legal expense cover. Paying out for these added extras when you do not want them is an easy mistake to make, according to the survey, because you actually have to physically ring the insurance firm and tell the staff that you do not want them before these 'options' are removed from your agreement. Take permanent medical insurance (PMI) for example. Many aspects of this policy cover you for the same things that Payment Protection Insurance covers you for. But few people realise this and so they take out both. The FInancial Ombudsman is very aware about the situation surrounding insurance duplication.

They say that "people often do not realise until they make a claim that they have been paying for a policy that provides very little, if any, benefit". Take a look at your Critical Illness Insurance, as this is one area in which you sometimes get cover from your employer. Find out whether you have this type of insurance with your work before you make the purchase on this policy. Do the same with life insurance, because if you have a company pension scheme, life insurance is something you do not actually need. The reason? Because most company pension schemes have a death-in-service benefit. What this means that should you die while you are still an employee at that particular firm, then large, a tax free payment will be made - a payment which could add up to four times your annual salary at the time of your death, or more. Other types of insurance you might not need includes mobile phone insurance.

The consumer watchdogs will tell you this is something that's often a waste of money because you have to pay the first Ј50 of the claim and if you already have home insurance, that insurance might provide you with some protection. Others include car insurance extras such as legal expense cover. If you are a member of a trade union, then you could have some legal cover anyway. Some companies trying to get people to take out ID theft insurance.

A waste of money? The consumer watchdogs think so because if it is the case your ID gets stolen you are only responsible for the first Ј50 and most of the time the banks are prepared to waive charges.



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European style chinese muscle

: The Great Wall of China is not working. Built in 200 BC to protect the land from Mongols hoards, the Great Wall is a symbol of the vast breadth and scope of the economic development of the Chinese nation. International corporations have taken the place of invading Mongols, as they have occupied the Chinese worker in factories across the country. With the approval of the Chinese government, businesses around the globe have made China their main industrial source for all things manufactured. The silver jewelry industry is one such example. The latest in silver jewelry designs come primarily from Europe, mostly from Italy. Annually, Europeans hold highly anticipated fairs and conventions featuring the newest styles in jewelry. From clothing fashion to jewelry design, Europeans have always been at the forefront of inspired modern style. Yet due to the rise in cost of production as influenced by higher wages for workers and regulatory restrictions in the production process, Europe, as a whole, finds itself unable to compete with Asia from a manufacturing standpoint.

European countries tend to feature the rights of individual workers in terms of reasonable compensation for services rendered, as well as protection from discrimination and an expectation of fair treatment. There are also restrictions concerning environmental standards for production, waste and materials that may be generally harmful. Most countries in the west adhere to these seemingly righteous societal constructs. As a result, the hands of the factory owners in Europe are tied, rightfully so. China, however, has a different perspective. Workers in China don’t have the benefits of their counterparts in Europe. The government, as a non-elected body has allowed for the purest form of capitalism with market forces dictating all, without concern to the well being of the people and the environment. There are no restrictions concerning the individuals rights of worker to receive proper compensation and fair treatment, rather it depends on what depths the workers are willing to go. There are no regulations concerning the environmental impact of manufacturing, allowing for the cheaper production of goods. As a result, Chinese labor is the most cost efficient and productive in the world. Enter, silver jewelry.

The only advantage Europeans have is traditionally, they have set the trends when it comes to silver jewelry, including a high standard of craftsmanship. European retailers have remained loyal to their industrial core but more and more they are viewing China as a formidable opportunity. Other types of jewelry markets such as gold and gemstones have long since been penetrated by Chinese manufacturers. Silver has been the least affected industry as the Chinese manufacturing machine was busy in other more ostensibly profitable jewelry markets.

It is within the last 10 years that Silver has been recognized as a viable industry with a great potential. So what was China to do match the quality and style of the Europeans? China has had to compensate by introducing products based on European designs, in effect duplicating the look of the European style. They have also maintained a high level of quality craftsmanship including the use of .925 sterling silver and cubic zirconia imported from Russia. All is not lost for the Europeans, however, as they have maintained a strong hold on the production of sterling silver chains and necklaces, known worldwide for their distinctive perennial designs.

It is hard to predict how this awkward relationship of style and substance between the Europeans and the Chinese will play out. Will China gain the ability to create inspired original design? Or will the Europeans find a means by which to produce their ideas more efficiently, perhaps through the onset of industrial and technological advances? Regardless of how this competition may develop, businesses in Europe and America will gladly benefit with lower prices and high quality merchandise for their customers, ensuring more silver jewelry will be bought and sold than ever before. Author: Derek Belay holds a BA in English Literature from Cal State Pomona.

He writes part time primarily as a hobby. He currently works for Jewelry Payless. com as a marketing manager.



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Og joint ventures 2

Internet Marketing Success With Joint Ventures The internet is not only a major source of information. It is also a major source of making money. And one way of making money is thru joint ventures. Joint ventures are presented in many various forms. Some can be as simple as promoting newsletters. While others can be as complicated as a cross-promotion of complimentary products between partners. There are even some joint ventures that aim on starting new projects from scrape. All these things make joint venture a great tool for growing your business in different aspects. But for new marketers, getting into joint ventures seems a daunting task. This is especially so when it comes to reaching out other internet marketers. You can look for businesses to joint venture with whether online or offline. It would be best to find one that has the same target audience but is not really in direct competition with yours. To find a joint venture online, you can participate in discussion groups, forums and other forms of communication that targets the market you are into. You can also search in web directories and search engines to find the right businesses you can joint venture into. Oftentimes, marketers look like they are “spamming” when in reality, they are just trying to find a joint venture partner. This is why some of them would rather not try than be caught doing these things. It does not have to be that way. There are things you can do that will make your joint ventures as easy and as safe. They will also prove helpful as you go about your task. Here are some of them. 1. Get acquainted with your potential joint venture partner. To avoid being considered a spammer, do not try and email everyone on your list. You will not get the partners you want if you do it this way. Your reputation might be ruined too. Try to subscribe to your potential partner’s ezines. Look into their websites or blogs. it is always best to get to know a little about them before presenting them your proposal. 2. Take time in approaching possible partners. Be polite and flattering. Using some flattery can be effective most of the time. Inform them how you like their business and the things that you have seen in them that makes them different from other companies. Leave constructive comments on their site. You will be amazed at the response you will be getting by using some flattery. This is an initial way of developing a good relationship with your potential joint venture partners. 3. Promise what you can deliver. Your financial approximation should be realistic enough. Be honest about it to your future partners. Relate your proposal truthfully and based on your actual situation. Be sincere. Get them to trust you enough to agree on what you are suggesting. Starting a joint venture is not really that frightening once you have gotten into business with the business of your choice. Just think of all the benefits you will be getting. Doing joint ventures with other business can enhance your chances of keeping up or beating your competition. It will also help in increasing your sales and increase your profits fast. Other than that, joint ventures can: 1. Lessen your operating costs once you share then with other companies. 2. Get you more leads and referrals for businesses related to yours. 3. Divide the workload to be done. Valuable time is spent wisely this way. Plus, you get more quality time for other things. 4. Offer your customers varying products and services besides the one coming from you. 5. Get more business associates that will prove important to you and your business. 6. Receive free advice and vital information regarding and from other businesses. If ever you cannot get those negative feelings of your mind, just think about what joint ventures can do for you. For sure, they will surpass all other things. Just keep in mind that joint ventures are not a “solo performance”. You are into a business with others that only want the best things for both of you. Consider these things first before you go into a partnership that requires dedication and sharing.



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