A niche is just a particular aspect of life like money making, pets, dog training, beauty etc You see, you need to understand the fact that there are so many niches you can go into on the internet that will make you money but the major concern is that the niche must have a market. In short, the niche must have people who come online to buy and look for things about it. You can start a blog on any topic, including yourself. Most blogs are a mix of commentary, personal notes and links to other websites. You can write in-depth essays on serious subjects, or you can use blogging as a form of journal writing, posting thoughts on the movie you saw last night or something you thought of on the way to work. You can also upload graphics, video and sound files. Promote your ideas and business products

Most blogs contain links to websites you think your readers would be interested in, or to a post on someone else’s blog that pertains to what you’re discussing in your blog. Bloggers can even hold “conversations” between their blogs, with each blogger agreeing or disagreeing with another blogger’s posts.

If you already have a website, you can devote one or more of its web pages to your blog. There are also several blog communities, such as Blogger, Word press, MySpace, etc, that allows you to create a blog on their site. Many of these are free, but they usually offer the option to upgrade to paid service, which will give you additional features such as a photo journal, an email address or a sub domain name for your blog.

Does blogging sound like fun? Yes it is! Share your thoughts with the world, and start blogging today. Should you need my step by step guide on how generate money with your blog site simply send mail with your first name and valid email address to

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Who is a blogger?
A blogger is someone who posts to his/her own weblog or someone who does so for others for a fee.
Blogs are a lot easier to maintain than websites because graphics and html codes are easily accessible from the blog site, such as Blogger or Wordpress. However, blogs are always in need of content updates, otherwise the blogger runs the risk of losing readership and credibility.
Originally, blogs could only be created by someone who already knew how to build a website. In recent years, however, many build-your-own-web-log tools have come into the market, some of them are free, some are paid for. Now anyone with the interest and Internet access can create their own blog and make money or generate income online.
By sharing their knowledge to readers, bloggers build credibility and a strong reputation among their readers. This would allow bloggers to become experts in their own fields and careers (good online income). There are different types of blog sites that host blogs. Some include Blogger, Word press, MySpace, Live Journal etc. There are many more other blog sites that can be found on the Internet. Some of these sites have tutorials to assist an interested individual in creating a blog. Should you need my step by step guide on how generate money with your blogsite simply send mail with your first name and valid email address to
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“A blog is a personal diary. A daily pulpit. A collaborative space. A political soapbox. A breaking-news outlet. A collection of links. Your own private thoughts. Memos to the world.

Your blog is whatever you want it to be. There are millions of them, in all shapes and sizes, and there are no real rules.

In simple terms, a blog is a web site, where you write stuff on an ongoing basis. New stuff shows up at the top, so your visitors can read what’s new. Then they comment on it or link to it or email you.”

Word Press defines a “Blog” as:

“An abbreviated version of “weblog,” which is a term used to describe web sites that maintain an ongoing chronicle of information.

A blog is a frequently updated, personal website featuring diary-type commentary and links to articles on other Web sites. Blogs range from the personal to the political, and can focus on one narrow subject or a whole range of subjects.” So how do you then moneymake  with your blog?

In the other hand A website is like a published magazine which has been taken to the printer and you can’t add anything to it or remove anything to it again without having to go back to the manuscript and then going through the whole process of republishing it again.

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With the inception of blogs it has become so easy for individuals and corporate entities to further express themselves, their company views, ideas, opinion about certain issues, and education on certain important topics. When blogs came into the internet scene, there was an explosion because with blogs, anybody with access to the internet can be publishing valuable information that will be useful to others without having to go through the stress of owning a website.
Really, a blog is like a website except for the fact that you can easily put new contents to your blog without going through the stress of uploading files. Simply put, a blog is like a diary that you write on with your pencil so that you can write on it anytime and also edit your past writings on it without stress. Hence an opportunity to make money on doing what you like doing best. Did I say doing what you like doing best? Yes you write on your specific areas of interest thereby exploring great advantages and opportunity that abounds in the digital market like click bank,  link share, pay dotcom, commission junction etc. i will dwell more on click bank visit to see the various market opportunities that abounds to generate for you income from the internet on your website or blog.

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There are some extremely easy ways to tell the legit survey websites from the bad ones. It can save you tons of valuable time and it can help you earn 3-4 times more money than you've been getting in recently months. That should be enough to make you jump right into the loop, because I don't know one single person who doesn't want to find as many legit survey websites as possible
Here we go. What's the first thing you can do to instantly tell if a place will pay well, or if they will pay close to nothing? It's pretty simple, actually. If the site is making outlandish statements and exaggerating the amount of cash you can make, that's a pretty strong sign that they will be worthless. The places that constantly feel the need to talk out of their butt are almost always the places that will leave you sorely disappointed. Legit survey websites will not draw you in by telling you that you can make $1000 in the next 12 hours. It just doesn't work that way.
Another thing you can do is check to see if the site has a place where members are free to talk and chat with other members. If they have one of these sections, that's a very good sign that they are one of the legit survey websites. It also means that they are paying their members well, because people would be able to talk about it in that section. If the place is comfortable with the payments they are giving, you won't see people constantly complaining about money in there.
These two simple things have helped me find so many legit survey websites, while instantly bypassing the penny pinching ones. Therefore one of such legitimate paid survey sites is click here.     
After signing up with the paid survey site you will need to signup with alert pay for your payment online its free,go here to sign    
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The most common method of scamming people is to get someone to join their paid survey program, fill in their personal information, and then take a few surveys. This is what legitimate paid survey programs do. However, when you take the scam-surveys, they ask you questions, you answer them, and then are redirected to another website that asks for more personal information, and sometimes money from you. A legitimate paid survey would never or almost never ask you for money from you or more personal information other than the information you already gave them when you first agreed to take their surveys.
Most surveys pay from $5 dollars USD to $75 dollars USD, sometimes more or less. They can take anywhere from a few minutes to almost an hour to complete, depending on how much the company is paying you. The higher the dollar amount, the longer the survey will take to complete, generally.
I personally can complete the $75 dollar surveys in about 50 minutes, so that can give you an idea of how much you can make if y ou did this full-time. The $5 dollar surveys takes me about 3 minutes to finish.
there are legitimate companies today who offer paid surveys. You only answer the questions and for every answer you get a few dollars for payment. It's only a very small payment but when you answer many surveys, it will all amount to a bigger amount. Therefore one of such legitimate paid survey sites is click here .     
After signing up with the paid survey site you will need to signup with alert pay for your payment online its free,go here to sign up     


This method has been made quite popular in recent years due to its ease and speed of making money. You get paid on a one-time basis by various companies to take a survey of your opinions about either an idea, product, movie, or any consumer item you can think of. These companies pay money for real people to evaluate their products because they need legitimate, real-world opinions about how good or bad their products are, or if there are any flaws associated with them. It is done all the time and it is very cost-effective for these companies to do these surveys, rather than go ahead with mass production and simply put the product out on the mass market, untested, where it may or may not be successful.
There are always new products being put out by successful companies so that they can stay competitive in today's fast-paced world, thus ensuring that there will always be a steady flow of surveys that will pay anyone to evaluate their products. This is how anyone can make a decent living if they wish to pursue this type of occupation full-time.
Paid surveys are subjected to frauds and scam artists because some unscrupulous individuals actually trick you into taking their surveys that claim they pay you, but never do. The real objective of these scammers is to collect your personal information, bombard it with spam and unsolicited advertisements, and maybe even sell your personal information to other third-parties. A paid survey site to consider go here     

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Affiliate Marketing is an Internet-based marketing practice in which a business rewards one or more affiliates for each visitor or customer brought about by the affiliates marketing efforts. Affiliate marketing is a form of internet advertising that allows online marketers (publishers) to connect with companies (advertisers) trying to compete in the ever changing online marketplace.
Payouts to affiliates or publishers are either made by the networks on behalf of the merchant, by the network, consolidated across all merchants where the publisher has a relationship with and earned commissions or directly by the merchant itself. Affiliates were among the earliest adopters of pay per click advertising when the first pay per click search engines such as Go-to. Let's talk about how you can do exactly that and build a long term affiliate income, instead of rebuilding all your websites every 2 months because you were tricked into purchasing spam-producing products by unscrupulous online marketers. The internet never sleeps, so why should your affiliate program. Direct Agents provides complete marketing support for our clients and takes a hands-on approach to promoting your affiliate program.
Contextual advertising programs such as Google Ad-Sense are not considered in the statistic pertaining to diminished use of cost per click, as it is uncertain if contextual advertising can be considered affiliate marketing.
This is basically a way for you to make money from other peoples products by simply referring people to the designated site and is the biggest thing to hit the internet since the internet was created. Affiliate marketing can be a great way for you to get started in your home business.
An increasing number of people are asking to know how to do so. Affiliate marketing training can help them.
Also, a number of Legitimate Real companies have programs through which they are willing to pay you commissions when you promote and persuade others to buy the items those companies are selling. The name for this is Affiliates Marketing. You can easily verify this situation for yourself by doing web searches on the Affiliate Marketing term. Becoming an affiliate partner is one of the ways in which regular individuals can make money on the net.
Web sites services such as Linkshare, or Clickbank are worth your time to visit. Look through their indexed categories in detail. Firstly, these are a good way for you to gain ideas for what Internet businesses of your own may offer in terms of products, and of sub-niches to be served. Secondly, the sites are a way for product developers to get together with affiliate marketers who will promote those items.
Product developers who want to participate in affiliate marketing programs will provide a way for their promoters to sign up. The developers will make available web site url-s. These Affiliate Links direct visitors to sites to obtain the marketed items. These affiliate links also contain encoded identity of the given affiliate marketer. Thus their referrals can be tracked, and commissions be paid. The developers usually provide images, and text materials which are recommended and usable in presentation of the items to be promoted.
It is a good idea for you, as a potential affiliate partner, to seek out affiliate marketing training. Some of the most successful individuals in this field have produced and are offering courses for this purpose. Please visit the link at end of this article. Let the world's #1 Super Affiliate train you. That training is intended to guide you through the successive stages from conception onward. The training is in the form of lesson videos, and associated exercises to apply the information. This is to be done by the viewer during about 7 or more days. Guidance is provided on how to identify your candidate topics; products & niches examples; affiliate links & the ways they can be used; identifying suitable keywords; present your affiliate promotion effectively; promotion methods (both Free and Paid).
This article introduces individuals to ideas for Internet business as a way earn a good income. Affiliate marketing is an ideal business strategy for this purpose. The newcomer should seek out training to learn affiliate marketing. A visit to the url at article end gives access to affiliate marketing tips and training.
 Later, there are also secondary affiliate participants:the affiliate marketing agency, super affiliate and specialized 3rd parties. With affiliate marketing, you will receive large commissions just by referring customers to some good quality products or services. There are 4 core players actively involved:the merchant, the network, the publisher and the consumer. Affiliate marketing is a innovative way of earning and doing business easily. One of the best opportunities using your computer to build extra income is through affiliate marketing.
HERE, YOU WILL REFER ONLINE SURFERS TO A SELECTION OF PRODUCTS OR SERVICES AND IN RETURN, YOU ARE REWARDED WITH YOUR AFFILIATE COMMISSION. YOU WILL FOLLOW THIS PROCEDURES------------------------------------ > An affiliate program is the software platform which brings an affiliate (people working to earn money) together with the merchant (a company who is looking to sell products online). > A potential new customer looks at the affiliate's website. An action, such as clicking, results in the viewer entering the website. > The affiliate agrees to promote a merchant's goods on a website.
1. FACTS ABOUT AFFILIATE MARKETING: --------------------------------------------------- Each time, someone uses your search engine and gets good results, you earn affiliate commission. Google and Yahoo searches are 30 people searched related.
AFFILIATE MARKETING VERSUS INTERNET MARKETING. --------------------------------------------------- Affiliate marketing and internet marketing are similar but not identical.
PROS AND CONS OF AFFILIATE MARKETING: --------------------------------------------------- Negatively, affiliate marketing is not easily scalable and you have the follow step-by-step procedures.
Visit this link to earn affiliate income

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Important steps you should follow to succeed online

The thought of being mere passengers on a ship that is to sail to the farthest places does not attract people who wish to place their fate in their own hands. They have the wish of manoeuvring the ships themselves, of being capable to be the ones to move it anywhere they wish to. Being on base of a ship which is on its way to a specially important goal is something each and every one of them dreams of, and the knowledge that they have the capacity to manoeuvre it themselves is what makes them in reality what they wish to.

Perhaps this is the cause why many more people are buckling under to one of the highly popular businesses around - affiliate promotion. It is because in this job, there are no bosses to order the workers about. There are no time limits to meet and no clutter of chore to be done. An affiliate marketer just requires to be prepared with the tools essential to win in an occupation such as affiliate promotion, and he is certain to receive what his mind at last wants. Likewise there is absolutely no doubt in the minds of those people who are attached with the online money making arena that affiliate marketing is certainly one of the better ways to earn money online.

But precisely what are the steps necessary to be able to be successful in affiliate promotion? What must an individual have within himself to be able to do better in this field? There is a lot of challenges involved in affiliate marketing, and to be capable to surface above the average, one should be prepared with just the correct instruments essential to move him ahead. There are 5 things one should at last have if he needs to accomplish the nimbus he is yearning for in this job, and these 5 things are vital for him to hold to be conditioned to stand out among the rest people.

The very first quality a person must essentially possess if he wants to try his luck in affiliate merchandising is the willingness to discover and be disciplined. Treading through unfamiliar domain is threatening stuff if one is not rightly equipped, and he may get puzzled in the middle of a jungle of the strange. Acquiring the tricks of the business is also a crucial side of the trade, and one's desire to learn it all will render him more improved advantages in the occupation than he could ever conceive of.

The 2nd quality one should possess is the ability to invest time and endeavour even if direct outcomes do not appear at all apparent. Although many calendar months may finish without good news, it is important for a person who has his foot in the business to sustain and keep on working. It is this quality which will keep him from giving up after indulging much of himself in the industry.

The third quality one must possess is self-discipline. If one desires to conquer the affiliate trade, he must have the will to force himself forward. Never having to say die is a virtue all affiliate promoters must own, and the ability to propel oneself into achieving greater heights is an ability that would in reality take an affiliate marketer to that tip.

The 4th and ultimate factor one should own is optimism. Fearful positions and rumours should not discourage an affiliate promoter from pursuing what he has to in order to make life better for himself and for all those involved. Neither should anyone mould his position towards the business, as once in it, it is vital for him to be the captain of his ship and the master of his thoughts.

The elements to win in a trade such as affiliate promotion are various and manifold, but the most essential factor one requires to be able to make it big lies in himself exclusively. It is he who has the capacity to do everything necessary to be efficient to recognise his chances, and the desire which fuels his spirit in doing so is the gasoline which would keep the locomotive running.

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Furthermore, you become self-employed which is a crucial spirit in itself. Hence my opnion to you is that first you ask yourself this question. Once you answer it, write it in a note book and utilize it as an inspiration in your hard days of failure. One thing you must also keep in mind that there is no get-rich-quick schemes present on the internet, thus you will necessarily face up numerous downfalls but will likewise surely win and commence making money if you maintain patience and carry on with your hard work.
With the advent of the internet, a new world of hope and opportunities has been made available to everyone. The problem is, this same world has been laden with many scams and con- artists as well, taking advantage of people looking to make a good income online. While there are almost an unlimited number of ways to make money online, I will just focus on the following  methods that have personally made me a fortune and hope that someday it will do the same for you.
They are as follows:
Ø  Affiliate marketing
Ø  Paid online surveys
Ø  Freelance online writing
Ø  Blogging for money
Ø  Data entry online
Ø  Call center agent
Ø  E-bay
Ø  Auto surfing
Ø  Google adsense
Ø  Photo submission
Others are:
Ø  Paid to drive with ads on car
Ø  Freelance online project
Ø  Sales & telemarketing
Ø  Online tutoring
Ø  Virtual psychic & astrology
Ø  Focus group
Ø  Online proof reader
Ø  Miscellaneous online work at home.

   We shall be looking at the first set of on line income in detail to enable you discover which can help boost your income,but I will like to say they all bring in good and reasonable income at the end of the period ,once the steps are properly followed.
What you are today is as a result of your careful and thoughtful preparation yesterday. Now this could be positive or negative. Do you know that you channel the course of your life? The difference between the rich and the poor is that the rich maximises the 24hours given him making wealth, why the poor waste it grumbling on fear, procrastination, and abject poverty. Making money is not a mystery! But a formula the rich uses to their advantage and the poor do not.
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We all recognize that after a certain age is over we all are required to start earning money so that we can sustain ourselves and our kinfolks. Hence we start to search for earning chances. Many persons are quiet lucky to get the type of work or occupation they like to do but many persons have to change jobs or businesses untill they obtain the job or business that they want, there are as well several individuals who never get their wished work or occupation and so carry on on shifting work or businesses throughout their life. At present after the coming up of the online sphere, many fresh money earning opportunities have come up in the Cyberspace. Actually there are multiple recognized and practical ways to earn money online existing nowadays online. Therefore other than the established ways to earn money, at present individuals are looking towards the online world as an alternate resource to begin earning money. But there are many who do not realise the prospects of beginning an Internet career therefore they ask a very standard question - Why should I earn money on the Internet? This is one of the foremost question that a newbie normally asks when he turns to the internet to make money. Though, I believe that an individual shall instead ask himself this question before trying to make money on the Internet.
When you ask yourself this question, you should be able to answer in a logical path. The Thing is, if you can make $2500 at local store then why should you spend hours protruding your eyes to the computer screen earning less than hundred dollars each month.
When you answer enquiries or questions like these only then you will be confident to attain something valued. By that I mean that you would have a healthier aim and cause for earning income on the Internet which will ultimately get you online success.
What could be more healthier than making a living on the Cyberspace? What could be better than earning double the money you normally get at the local store. These things are what cause the prime greed in an individual for looking to internet to earn money.
Other replies could be that either you do not like to work at supermarkets or your present-day job/boss sucks. So you will desire to work from home because there is no strictness from rude bosses or maybe you have no limitations. You could set your timings yourself and have no one administering over you. You generally have the autonomy to work at any time of the day you want and from whatsoever place you want provided where you can access a computer and an internet link. You can also work as much or as little as you desire, but your earnings may also fluctuate accordingly. You likewise gain the freedom to set up several streams of income and thus can increment your earnings as you want. When you have acquired a solid understanding of the ways to make money online then you could also earn without doing any major work by outsourcing your work.
In setting up several sreams of income online go here: ways to make money online.
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STRATEGIC  WAYS TO START AN ONLINE BUSINESS --------------------------------------------------- Many success stories come from people doing online business. Starting an online business can be easy to begin and you can do it even if you have a full time job. The best part about creating your own business is that you will be your own boss and you can determine your own working schedule.
FACTS  YOU MUST KNOW ABOUT RUNNING AN ONLINE BUSINESS: --------------------------------------------------- Persistence, consistency, taking the initiative to try new methods, and the willingness to give wholehearted efforts. These positive attitudes are your bridges to success. Expectation to achieve wealth fast, laziness, procrastination, over-anxiety, frustration and fear of failure are the negative traits. A detailed plan for execution and how to go about organizing your business are provided. There is no perfect business and there will always be short comings, learn to live by them.
FOLLOW THESE SIMPLE GUIDELINES FOR SUCCESSFUL MARKETING ONLINE. --------------------------------------------------- Choose a product or service that you know or are familiar with. Get a top-level domain (TLD), use a name and some cheap but reliable hosting. Be wary of parasites or scums that try to redirect, overwrite and intercept your visitors. Your niche must contain from 3 to 4 merchants, not just one. Data sites are limited in just giving pure product, data, prices, images and descriptions used to promote the products. Educate yourself by learning as much as you can about it. Use a lot of banners in your website to attract attention to the product. Refer  them to the authorized website. Do not quit or give up if your first try is a failure.
WHAT ARE THE DISADVANTAGES OF WORKING ONLINE? –We all know that to any thing that is good will also have their disadvantages but it is nothing compare to its great benefits or advantages. You could then use your free time to go out and socialize with your friends and visit places. To remedy this problem, change your life style especially your sleeping habit. Your full time job is usually from 8 to 9 hours requirement from Monday through Friday unlike some work from home positions. If you live across the continent, your working from home hours will likely be the reverse of time at home.
Should you have any question or comment, you are invited to ask or post below


WHAT DOES WORKING ONLINE MEAN? --------------------------------------------------- To work online, you are to have  your computer and  internet connection. Working online is a job or employment done at home.
WHAT ARE THE ADVANTAGES IN ONLINE EMPLOYMENT? --------------------------------------------------- > By working at home, there is no boss to monitor what you are doing and you do not need to perform other tasks. > Your work at home salary is paid on the 15th and 30th of the month via PayPal, moneybrookers, alertpay etc or other reliable money service. The amount of which will depend upon the work you are doing or based on the standard paid for online jobs. No experience is required with most online jobs. In many instances, you will be provided with training or with easy step-by-step instructions on what your job will entail. The online employment work can be easy and quick. If you are efficient and can keep deadlines in submitting your assignments, you are guaranteed continuous work from home.
 Network marketing - You will be selling products and services and at the same time. You will also need to organize your own sales force and for every sales of your member, you get extra commission. This is a low risk type of occupation and only need your sales charisma. Telemarketing - Your only activity is to sell a product or service on line. This is an amazing way to earn and it gives you rich potentials.
HOW CAN YOU TELL IF THIS HOME JOB IS A SCAM OR LEGITIMATE? --------------------------------------------------- Avoid all work from home listing that offers wealth, instant financial success, get rich quick lines and promises a high income within a short period of time, these impossibilities cannot be for real. It is legitimate if it states clearly the payment policies as the amount of the salary, commission, days of payment and others. Legitimate work from home job also maintain a permanent website. See here clickbank marketplace
Should you have any question or comment, you are invited to ask or post below


There are actually more ways to make money on the web. Working from home is a good start for anyone who wants to be more productive without actually leaving the house and spending more money on the way for work rather than on work itself. You see, when you work at home, you don't spend for gas for transportation, you don't pay for snacks and meals outside everyday and you don't have to spend on your outfit in the office. When you make money on the web, you work and earn money while relaxing at the comforts of your home. Take note that I said work, because to make money from the web, you must also work hard. There is no such thing as free lunch here, meaning, if you want traffic for your site you must optimized it well. If you want to sell a product, you must make good reviews about it. So, everything in the web is still hard work although the potential income is much greater now because the whole world is your market, you cross boundaries, you have no limit to your connections.
Information products are a good way of earning money online. Hence the potentially capital intensive requirements to have physical inventory, store front location for point-of-sales, or shipping of orders, can be avoided. A portion of the info products are those aimed to make their recipients healthier, wealthier, wiser.
One of the areas to look out for earning cool income is go here; making good income online
Some people will themselves develop items to be offered through their Internet business. This is the way the products begin.
Should you have any question or comment, you are invited to ask or post below.


Today, people talk a lot about the global crisis and its adverse effects in your economic life. It paints a bleak picture of what will happen to your means of livelihood in the near future. What is your plan B? What if, it is your turn to do the exit next time? Or your company decides to fold up? Searching for another employment is out of the question. Cybernetic has come to the rescue by providing opportunities in easing economic crisis. Our income today do not seem enough to provide for the growing needs of our family especially that almost all prices of basic commodities have skyrocketed as well. People are in constant search for greener Pasture, bigger income, and better lives. It may be hard to believe or surprising for many but we can actually find it in the Internet. Making money on the web sounds a little too ambitious considering that the web has its reputation for scams and fraudulent transactions. And, if indeed we make money out of it, probably just a few dollars. Well, that was before. Today is different. You may ask, how?

Business activity on the Internet is doing well. Internet business participants cover the full size range spectrum from mega-corporations, through medium to small businesses, and individuals as well. Likewise the unit price range spectrum goes from free; through low to moderate cost, on up to the sky is the limit. Insecurity in employment for average people, a desire for financial independence, motivates individuals to begin Internet / home based business ventures. It is indeed possible for individuals, working from home or small business offices, to earn money on the Internet.
Should you have any question or comment, you are invited to ask or post below.



The above statement is fundamental to the success of your business because it will
immediately highlight cash shortages.
Important points;
A bank is very interested in the first twelve months of the projections; thereafter the
uncertainty will devalue the worth of the projections. Please, however, provide three
years in total so that you can demonstrate where you think your business will go.
Please provide an overview/commentary regarding the numbers and state how you
plan to monitor the financial success of your business. The lender will expect a
monthly report providing up to date financial information compared with the
Projections made and any comments on significant variances (say >10%)

7. Borrowing Requirement
_ Item 6 will flag up the borrowing requirement if any.
_ It is important here to consider the type of facility required i.e. Overdraft, loan,
equity or asset finance and the term of the requirement.
_ Lenders much prefer structure to any Financial Package they provide. For
example an overdraft is an unstructured product and not liked by banks! A Bank
would prefer to provide a working capital facility by way of Factoring if possible,
this ensures that the Bank’s money is being lent to fund debtors and not stock and
losses. Many businesses have been able to disguise their lack of profitability for
many months due to the overdraft facility being used to its full extent!
_ Banks love security and they want to see a good stake. Call me old fashioned but
Banks would not wish to put more than 50% of the cash required and this would
normally require security.

8. Sensitivity Analysis
_ The “what if factor” e.g. what if sales are 10% lower than forecast.
_ What is the break- even point i.e. what are the minimum sales required to cover
the fixed overheads.
_ What would be the effect if sales were 30% higher than budget.
_ What happens if the cost of supply goes up by 10% etc. etc.
Remember the bank wants to know when it will get its money back and how safe its
money is!

9. Other Area to Cover (Operations)
_ Suitability of premises.
_ Organisational structure/ succession/ chain of command.
_ Specific industry risks.

10. Risk Management
_ What steps have you taken to recognise and mitigate risks to your business?
_ What is the risk culture like within your organisation?
_ Who is responsible for Risk Management?
_ What contingency plans are in place?

11. Appendices
_ CV’s.
_ Financial Plans.
_ Historic Financial Information.
_ In the age of IT; any films of examples of the product or the nature of the service
are always welcome.
Try and hold the meeting are your business premises if possible you are more likely to
achieve your manager’s full attention.


I have spent had many years looking at Business Plans some excellent and some poor. As
a lender, however, I want to know how long it is going to be before I get my money back
and what is the margin of safety (“the what if factor”).

Don’t kid yourself that banks are interested in taking risks. They are not; they want to be
secured. Banks are not in business to take risks they are in business to get a good return
for their shareholders. Bad debts decimate a bank’s profit and loss account very quickly.
Look at the current credit crunch and what is happening to bank’s shares!
I don’t wish to appear jaundiced; however, the business plan has to be very good and
more importantly your personal financial commitment to the venture has to be there to
be seen by all.

This is a template which covers what a lender/investor would like to see. I have
deliberately kept the content brief and in note form;

1. Introduction / Executive Summary
_ Name of company.
_ Nature of the business; what do you intend to do.
_ Brief details of the management; what skills they provide the business.
_ Amount of funding required and the purpose of the funding.

2. The Business Environment
_ What is the business environment like for launching your new product/service? It
would be unlikely to be suitable for an organisation to aim for expansion in a
period of contracting markets.
_ A SWOT analysis would be useful here to provide an overview of the Business
Environment because the analysis will show you have truly thought about how
much risk there is for your product/service.

3. Feasibility
_ How likely are the plans to work in the future? Primarily does the organisation
have sufficient resources to carry out particular plans? Will the organisation be
able to sustain the level of sales required?
_ Will the organisation be able to deal with the increased level of competition it will
attract and will it be able to meet the required market share?
The following questions need to be answered;
Why will people buy your product?(what market research have you
Who will buy your product?(market research again)
How much will your customers pay?
Who are your competitors?
What will your market share be?
When will your customers buy?
What price will consumers be willing to pay?
Is the market growing or contracting

4. Management Team
_ CV’s to be provided in the appendices by all executives and key managers.
_ Here a bank is particularly interested in the track record of the Directors.
What is the evidence of past success?
What are the key skills that each executive brings to the table?
Still early, however, what succession planning has been undertaken
As lenders Banks are extremely interested in the strength of the
Management Team. This value should never be under estimated.

5. The Product or Service
_ An in depth study around the definition of your product or service - what EXACTLY
do you do?
_ Cross reference 3 above (under feasibility)

6. Financials
_ If you are an existing business then let’s see what you have achieved to date.
_ If you are buying a business let’s see the Profit and Loss and the Balance sheets
for the business you are buying (at least three years of consecutive figures).

Should you have any question or comment post below.


Hello my dear fans, having considered the five financial health factors the business needs in its first year of operation .I will like us to consider still the various steps you take to get your lender to say YES.

Who is a lender? Well virtually almost every business needs a lender. Simply put; a lender is one who gives out or loan money. So in business we say a lender could be an individual, institution, government, corporate bodies etc
Business establishments could obtain capital in form of loans, debentures, capital market etc.

Some times before your business can obtain any kind of financial help from the lender it will require a good business plan. These we shall be looking at in our next discuss.

Below here are some recipes for getting the lender to say yes to the financial assistance your business need.

Five Simple Steps to get
Your Lender to say “Yes”!

FIVE simple steps to get a lender to say YES! To your proposals and get the cash you need

Bank Managers are only human although it could be argued some are more human
than others!

1. Make sure you have sound financial information accompanied with a
commentary prepared by you.

2. Try and hold the meeting at your premises if you can; this will immediately give
your Manager the opportunity to see your business at work and psychologically
your Bank Manager will focus more on your business.

3. Offer a cup of coffee/ tea and make him/her welcome.

4. Ensure that in any request for cash your business has put in a reasonable stake.
Banks don’t like to take risks and certainly don’t want to do unsecured lending.
The greater the stake the higher the chances of success.

5. Make sure the Financial Role in your business is clearly defined be it you or a
dedicated Financial Controller/ Director- this area is crucial for your success.
I hope this article provides you with a glimpse into the way a Bank Manager or Lender will
be thinking when you ask them to borrow.

Five Rules for Financial Health in your first 12 months of trading...

Five Rules for Financial Health in your first 12 months of trading...


Once you have opened for business on Day One there is one thing that must always

be uppermost in your mind - CASH. You diligently prepared budgets for your business

- monitor performance against them, believe me a budget never happens, a budget

has to be redrawn many times during the journey in your business.

So for cash do the following;

Ø Get Online Banking. Most Banks will include it initially free as part of their

package for new-start businesses. USE it!

Ø Check your cash flow forecast daily.

Ø Contact any debtor immediately if you think there is a problem - there probably

will be!

Ø Keep close to your customers, not only will this help keep a handle on cash but

also will help with cross selling opportunities.

Ø Make sure the surplus funds earn you money. Always be prepared to negotiate

with your Bank for free banking or a reduction in tariff.


Make sure you speak to your customer at least once a month, should you have fewer

customers then make this more regular. Your customers will in general welcome your

call and this provides you with a great opportunity to get to know their business and

be able to add value - it shows you care.


In the following ways;

Ø Keep in touch with them.

Ø Send them any information you promised to send.

Ø Send them a commentary of how well things are going/not going.

Ø Respect all bank facilities - it builds up your credibility.

Ø Be prepared to help your Bank where you can by offering testimonials about how

good they are this builds the relationship for longer term.


Your business needs to sell something make sure you use your sales plan.

Ø Don’t forget your organic sales, the best sales opportunity is to the customer you

already have!

Ø Ask your customer to recommend you where appropriate to others.

Ø Sell to a need where possible. This will ensure the sale is for long term and will

provide further opportunity and create goodwill.


The most underrated asset of your business but the most valuable.

Ø Keep them informed of progress.

Ø Offer incentives.

Ø Make sure that the working conditions are spot on for them.

Ø Make time for them.