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You’ve Made it This Far – What Next? A Guide to Site Promotion


Okay, so you’ve dipped a toe in the water and you’ve found a way to make your first website. Perhaps you’ve created a blog to talk about things you know, or you’ve got the beginnings of an authority site that will help others find the information they need?

The plain truth is, that’s all very well but unless you get traffic to your site, you are unlikely to ever get enough people to see your information to make a difference. That is why you did it right? You wanted to make a difference to the world, you want your info to help others and you’d like people around the world to be grateful that you bothered to try?

Or are you aiming to make some money online? If the latter is the case, there is even more reason for you to try gathering a list of people to market to otherwise no-one will buy. If you need a list, you need to promote your site well.

The nuts and bolts

This is where the problem starts. How many opportunities are there to put your site out there? How many seconds are there in a year?

You will find if you start looking that there are possibly more methods of promoting and marketing ideas on the internet than there are things being sold, in actual fact, it’s entirely possible that the thing being sold more often than not is a way of selling things.

Okay – let’s look at some of those methods in a bit more detail.

Surfing If you start looking for these sites and heaven forbid you actually sign up for one, you’ll probably find, as I have, that dozens more appear as if by magic and you can pretty much spend your life clicking away aimlessly trying to build up your credits so people can click away aimlessly and ignore your site as well. Wait a minute, I’m ahead of myself here. What is surfing to start with?

Well it works like this. Some sites you’ll need to pay to use (I never do) and some are free to join. What you do is sign up so that you can put your site on a list of sites that are shown on a rotating basis to thousands of other people who have done the same thing and want you to view their site too.

The sites are generally easy to get around (if a little confusing at first) and it shouldn’t take you long to get your website listed on a few of these ‘surf to earn’ sites and then you just need to get some credits so that your site will be listed for others to see in the rotation. How do you get credits? The general method is to surf yourself. You’ll be shown other people’s sites for an average of 10 seconds before you can click to move on to the next one. The more you do this, the more credits you’ll earn and the more airtime your own site should then receive.

Your second option is to start paying for things, to pay for your site to be seen, to buy credits. We’ll look at paying for things again in a minute.

Is it worth it?

Well, bearing in mind that the search engines are looking for sites that are active, that people want to view and are indeed viewing on a regular basis, it would indeed help if your site is seemingly ‘more visible’ than other people who are talking about similar things.

To give you an idea, one of my recent sites had an extra 50 hits in the course of 2 days on this basis alone, from 2 surfing sites where i literally spent an hour each night watching the tv and clicking aimlessly and occasionally having another site grab my attention.

It follows that if you took the time to do this on a regular basis, you’d start a flow of regular traffic to your site.

Route 2 – Google AdWords and AdSense

This route is much talked about and has plenty of support from across the globe so it cannot be discounted as a realistic route to getting people to see that you exist.

In simple terms you are either adding adverts to your own site that in some way will reflect what your site is discussing or selling (AdSense) or you are paying Google to appear prominently on it’s search engine when people input a search term (AdWords).

AdSense These adverts will be placed in a reasonably prominent position on the page and you will be paid a small amount of money each time someone clicks on an advert to visit someone else’s site. This is CPC or cost per click advertising and you could also employ this the other way round by paying Google a fee to have people click on your site if they’ve been referred to your page from another site using the AdSense tool.

AdWords AdWords adverts are usually placed on the 1st page of Google either at the top or the right hand side of a page. The position you achieve in the listing is a reflection of how much you were prepared to pay to put it there, the more you pay, the higher up and thee more prominent it becomes.

Obviously, in a competitive market the cost of doing either of these things can start to rise and in my view this elicits a word to the wise.

Whilst I would agree that my own efforts have yielded results in this way, i would suggest that the expense may get slightly prohibitive unless you are factoring in a prescribed budget as part of a marketing plan and you have a cash flow that will support it, just remember to always keep tabs on it otherwise the costs may mount up.

Social Networks

The most interesting route I’ve found so far has had the most surprising result but in truth now I look back on it, it shouldn’t really have been that much of an eye opener.

What are these social networks all about? They are linking the planet through the simple expedient of people talking about the things that interest them most, in many cases, they simply talk about themselves and their own lives.

I’m talking here about things like Twitter, MySpace, Bebo and YouTube, places where people their lives and their loves with the rest of the world.

The simple truth is this, people love talking about themselves and lots of people enjoy reading what people are talking about. take the case of the biggest amounts of Twitter interest today. Britney Spears (nearly 4 million followers), President Obama (nearly 2.8 million followers about the same in popularity as Oprah Winfrey there at the moment), Ryan Seacrest (approx 2.7 million followers). That’s an awful lot of people around the world catching up on every move, every thought, every deed that’s articulated through Twitter on a minute by minute basis.

Now why is that of use to you? Well let’s say you want to talk about cake making and that your blog or website is dedicated to ckae making and that maybe the income you could derive from the site is the sale of cake making tools and ingredients and that you already have a supplier lined up to provide these things at cost price so you can make a profit from selling them online?

If you liberally dose the internets social media sites with articles, comments and information on cake making and you start to look for and attract followers who are interested in what yo have to say, do you think you might be able to direct some of them to your site and that some might then buy something?

This again is a little time consuming but to give you a benchmark, in 3 weeks, one of my sites went from around 20 views per month to over 300 views in 3 weeks and that was by talking about my life, not the subject in question. If you become recognised as an authority on your subject, it’s entirely possible that you’ll have thousands virtually knocking on the virtual door to your online shop and I suspect sales may follow.

Set up shop

Another thing to bear in mind has to be sites such as eBay. What started off as an idea to sell old tat on line and make a few bob has spiralled into the global phenomenon that is the worlds biggest online market. Some people make their entire living from selling goods their and still others from selling information products about how to do it, such is the interest. If you add your goods, services and knowledge to the pot here as well (deceptively simple to do) then it’s yet another tool you can use to promote that website you’ve built.

Tell people about it

Last but by no means least – you could do exactly what I’ve done here and share your own experiences with people in the form of articles that you place on sites like EzineArticles, GoArticles or Article Dashboard. These are also places where magazine editors, the media and the search engines themselves look for new content on an hourly basis so that can feed the ever growing demand for information.

Think you’ll find it hard to write about things? I beg to differ. You probably have no problem telling all and sundry locally about your marvelous cakes so why not write down just what springs to mind and tell the rest of the world?


This is the briefest of overviews of what is indeed a very large subject but if you’re new to this, perhaps it’s given you a few thoughts and you can go off and start looking for your own specific answers.

I’m just gonna keep learning and passing on what I’ve found – if I’d looked harder to start with, perhaps I could have saved time, effort and money but the journey might not have been so interesting.

Hope you enjoyed the read and do let me know if i can be of any assistance.

Internet Marketing and Network Marketing – Is There A Difference?

Internet Marketing and Network Marketing have similarities and differences. We will look at both so you can better decide what may be better for you if your deciding to get involved in either one.

Internet Marketing is any type of marketing (promotion of goods or services) done on what you are viewing this article on, the Internet. It’s important to realize that Internet Marketing can be used to promote just about anything, as companies are using the internet to market their primary products and services and have been doing so for quite some time.

The simplest explanation of Network Marketing is a method of marketing that utilizes independent representatives to reach potential customers that a company otherwise would not reach with traditional marketing methods. The companies main objective by using network marketing is to use the potential of individual sellers to spread the word about the products promoted as well as have the individual become a distributor to sell the product in their community, thus creating a network for the product.

Since we’ve looked at the general definition of each of these, let’s look at the main benefits of each:

Internet Marketing

  • Any type of product or service can be promoted
  • The internet can be used to market products that market themselves without the individual constantly working the business; thus creating time leverage
  • With enough determination, just about anyone, whether an individual or a fortune 500 company, can learn effective internet marketing strategies to sell a product or service
  • A huge amount of people can be reached through the internet; thus allowing the potential for a huge business environment for a product or service
  • The cost of domain (website name) and hosting for a company or individual’s website is relatively very inexpensive compared to traditional business models

Network Marketing

  • Primarily consists of products that need to be reordered constantly; causing repeat business
  • Allows individuals to recruit other business minded people to promote the product; building their own sales force that also generates commissions
  • With enough determination, just about any individual can build their own network marketing business, while recruiting others to leverage their own time working the business
  • A large network of consumers and recruits can be built in a relatively short amount of time; depending on the individual’s work ethic and effectiveness with network marketing
  • Offline as well as online marketing can be used in conjunction with the network marketing business; enabling a huge potential for the business itself
  • The buy in to start a network marketing business, although higher than to get started in internet marketing, is still relatively inexpensive.

Both Sound Really Good, huh?

Well not so fast let’s look at some of the drawbacks of the two, based on my own experience as well as many experienced marketers.

Internet Marketing Drawbacks:

  • Huge learning curve behind effective internet marketing strategies; this can seem very daunting for person with other responsibilities such as work, family, etc.
  • Huge technical learning curve that could possibly be unrealistic to most who are not “tech-savvy”
  • Having a great product is only half the battle; effective marketing behind the product is essential for the business to thrive and this is where the “work” ethic separates most initial marketers
  • “Information Overload” – the amount of information to even get started as an internet marketer can possibly make some individuals “run for the hills” or get out altogether before they even get started

Network Marketing Drawbacks:

  • Although initially successful, some network marketing companies fail altogether; leaving high paid distributors commissions virtually gone
  • Amount of responsibility in recruiting others into the network marketing business can be daunting to some people; especially to more introverted types
  • Successful network marketers must continually keep their downline (people recruited into their business) motivated, and this can be challenging for some individuals
  • Although never recommended; some individuals resort to attempting to bring in their friends and family into their business, and this may create personal problems

So Which One Is Best For You?

Through my own personal experience it’s my recommendation that if you are the more introverted type of person (shy, likes to work alone, doesn’t like large groups, etc.), then Internet Marketing is a good fit for you. Being able to promote a product and never deal with the customer will really appeal to these types of individuals.

On the other hand, if your the extroverted type (life of the party, very outgoing, always center of attention, etc.), then Network Marketing would be a great match for you. Constantly dealing with your business partners, motivating, encouraging, and discussing different business strategies will really appeal to you.

Or if you’re like myself and the more introverted type but see the huge potential behind network marketing, you’ll quickly get over the shyness because your so motivated about your business. This has happened to many individuals who discover the huge benefits of operating a business over a job.

I Know I Did!

Wow – Home Based Business Mom Finds Answers Online!

If you are anything like me, a home based business mom in the making, you are determined to do whatever it takes to prevent your children from going to daycare. Even before I had my four wonderful children, I knew that my kids would never set foot in a daycare. They were going to be raised by husband and myself. My motto is, “Where there is a will, there is a way!” So, what steps did I take to ensure this plan?Like many people, I always wanted to be my own boss so I could have a flexible schedule and work around my kids activities. After graduating from college, I formed an errands business. No similar business existed in my area to “model” so it was more like paving my own road.What is the most important factor when starting a traditional business today? Marketing! Three simple but creative marketing strategies on a shoestring budget are:1. Flyers/brochures–Use a computer to create a flyer or brochure advertising your business. For my errands business, I literally walked into retirement homes to tell the owners that I would transport their residents to doctors appointments and do their shopping for them. I walked downtown, going door-to-door handing out brochures to let everyone know that I started a business and could run their errands. The two main benefits to this method are saving money on postage and by personally handing out your business information, you can start to build relationships with individuals.2. Classified ads in community newspapers–Placing classified ads in your local small papers is much more affordable than the county newspapers but can be just as effective.3. Local Ad on Craig’s List–An ad on Craig’s List is free and can be viewed by a much wider audience. (Unfortunately, Craig’s List was not available when I started my business.)By using the brochures and community ads, this home based business mom was making it work. After a few years, I got married and two years after that, we had our 1st son. I was able to take my son with me on appointments so my plan was in motion.Two years later, my 2nd son came along. Transporting a senior citizen who walks with a cane or walker while caring for a toddler and an infant became a bit of a struggle. While driving, I would try to create conversation with my clients without too much success due to a screaming infant in the back seat. Needless to say, I started to scale back my appointments but I was missing my extra income.After 2 more children, family expenses were starting to increase. This home based business mom decided to become a consultant for Creative Memories, a scrap-booking company, to earn extra income. After many years, I found the home party industry to have its drawbacks as well. Some of the less desirable factors for the home party industry like Creative Memories are:1. The much needed evening and weekend home party times cuts into personal family time2. Small commissions–Average sales approximately $500-$700 earning $150-$210 in commissions3. Quarterly Quotas–$500 minimum requirement every 3 months. All Sales tax and shipping are pre-paid on the retail value of the product ordered.Given these less desirable factors, Creative Memories for me has been set on the back-burner because of its inability to generate significant income.Before I knew it, all 4 kids were in school. So, this home based business mom went back to the drawing board. I decided to work part-time to help a family member with his “brick and mortar” business. I really enjoyed the work and the social aspect of being around people and soon found myself working almost full-time for a “family discounted” hourly rate. Meanwhile, my own family quietly suffered because I was not home to put dinner on the table or run the kids to their sports practices. Feeling under-appreciated for the sacrifices I was making to help my family member with his business, we ended our working relationship.Once again, this home based business mom ended up back at the drawing board. Finally, I found the answer… online! As a seasoned online marketer, my husband recommended I work online too. The main benefits to working online are:1. It can be full or part-time with flexibility2. It is portable–work while on vacation or at the children’s sports practice3. Teamwork–husbands and wives can work together4. Unlimited income potential5. Home based so business expenses can be deducted on annual taxesIn my opinion, it would be well worth your time to research the various online opportunities.

3 Myths That Kill Home Based Businesses

The phenomenal growth in home based businesses has stunned even the most optimistic economists. But there is no need to have an economics degree to see the reason. With jobs in the US constantly drying up week by week, formerly employed citizens need some fashion to produce income for themselves. Some of my Human Resource friends have reported to me that they have 50 – 100 applicants per available position. Job searches are extremely frustrating and unbelievably discouraging. Men and women need some avenue to feel like they are in control of what’s going on, and not simply at the mercy of an unbelievably bad economy. Additionally, there are the still employed millions who are fearful of losing their jobs. These two groups are surging in growth, and directly establishing home based businesses by the thousands every year.With the unprecedented growth of business at home, comes also the mystique and misinformation which arises from such rapid acceleration. Here are three significant myths that you will find, which accompany many offers for home based or online businesses.1. You don’t need a mailing list. Let’s face it. Traditional businesses build their clientele through massive marketing. The essential truth is they must have clientele. These are customers that they secured by one or more pieces of advertisement. Traditional businesses must have a list. Home based businesses and online business are exactly the same. Do not let anyone fool you into thinking otherwise. Without a list, your business is dead in the water. As an owner of several businesses, both online, as well as brick and mortar, please understand what I’m saying. Customer lists are necessary. Developing a good customer list is really your number one job. This will be accomplished through 2 means in your online home based business. First, anyone who makes a sale must be funneled into your list. If you don’t capture their email address or their physical address, you will have almost no method of marketing to them again. The second way to build your list, is through what is commonly called a squeeze page. That is simply the industry jargon that describes those digital pages where a company or individual offers you a free report, or e-book, or DVD, or some premium in exchange for your name and email. When a customer submits their name, you can thank them with the free report that you promised.. It must be of good quality. After all, if you don’t give them something good, they will never buy anything from you.2. You don’t need to know how to sell. I have so may clients who come to me with this preconceived notion. It is as though they feel since they are not direct selling, then they don’t need to know how to sell to those who visit their web pages or their offers. Nothing could be further from the truth. So let me just state here, the key to all salesmanship is trust. That is true whether you are a door to door vacuum salesman or a used car salesman. All those who sell face to face must know how to develop trust if they are going to make the sale. But don’t kid yourself into thinking that does not apply in online sales. It’s just that with online sales, the task of developing trust is accomplished by different means. The process is different, but we’ll have to save that for another article.3. You don’t need some capital. You always need capital. Once again, anyone who tells you differently is just out to sell you something (that isn’t worth what you’re paying for it). No matter what, capital is a requirement. But not all capital is measured in dollars and cents. While having money is important, especially if you want to “jumpstart” your advertising campaign, it is not the only kind of capital that is necessary. 2 other types are as significant. You must have some time capital. Unless you have unlimited financial resources, you are going to have to put time into your new online business, And typically, the less financial capital you have, the more time capital you need. And I’m not only talking about time to invest in the actual working and running of your business, but also the time to let your advertising and marketing work. The remaining type of capital you need is emotional capital. You will have set backs. You will invest money that you lose, and will not get back. You will spend time on some projects that will not give you a very good return. On those days, and trust me when I say they will come, if you don’t have sufficient emotional capital, you’ll be ready to quit. And you just may do it. That would be the worst result of all.So as you consider your home business possibilities, do not fall into the trap of any of these myths. A home based business is a challenge. It is not a cake walk. It is not a day in the park. But it is among the most rewarding things you will ever do, if you see it through to a successful conclusion.Here’s to your monumental success!

Unleash the Potential of Home Based Business

Have you ever wanted to be your own boss by working online from home? There are many people like you who long to do the same kind of work. For most beginners, working online can be quite an intimidating process. Most people are clueless as to how to begin work and are also skeptical about whether or not they can earn good money by starting a home based business. Here, the necessity of the situation is to get help from someone who has been there and done that. It is highly necessary that you get a mentor/trainer for you to begin your home business, especially online. There are a lot of factors that need consideration and help.Once you decide to start a business from home, there are certain procedures that you have to follow. These procedures vary from country to country. You have to register yourself as a self employed entity at the local commercial head quarters or chamber of commerce. Apart from this, the local tax authorities also have to be notified to make sure that you are issued with the proper forms for your yearly tax return. Having the correct forms will ensure that you will benefit from the tax breaks obtainable for having a home based business.There are literally several methods of making money from home but a great deal of research, planning and short listing has to be done before you can chalk out your final plans for starting a home based business. Make a list of all the things that interest you and conduct a study as to whether there is a genuine demand for the home based business options that you have short listed. Avoid business options that offer large amounts of wealth with minimal effort.All people who are serious about starting a home based business should understand that there is no short cut to success and one has to have proper planning, groundwork, research and realistic targets. The best opportunities to select in the online home based business are the ones that have been already been tried out and have guaranteed success. Suitable examples of this are online affiliate programs that many people have ventured into and achieved success. It is not very expensive to get started in this particular home based business, but one has to choose carefully between the good programs and the bad programs.The aim should be to select a program that provides you with all the tools that you need and allows you the best possible opportunity of doing well in your home business. You will find some programs that have been put together by affiliate marketers who have achieved success. In this way, you can have access to the same proven affiliate programs that they are a part of. Not only will you be provided with training but will also be guided at every step of the way. There are a few important points that you should keep in mind before starting a home based business – there will be plenty of competition but with good ethics, careful study, proper planning, effective marketing you are sure to have head start over other competitors.The advances in technology and the internet have made it possible for many people to start home based businesses. You can earn a good living by operating your business from home as long as you are hard working and dedicated.For more, please consult an experienced mentor/trainer and he can add a great value to your efforts in becoming financially independent.

Home Based Business MLM – Can You Really Make Money With Home Based Business MLM Style?

The home business industry is one of the fastest growing on the planet right now. It’s really not surprising either, given the state of most peoples’ finances. Home businesses are typically a great opportunity to help with cashflow by providing a secondary income stream, or even replacing a working income. There are also tremendous tax advantages associated with a home based business MLM. However, the burning question for most people is can you REALLY make money? And it’s a reasonable question. After all, you have to wonder why over 90 % of people who get involved in the industry don’t make it. The answer, in fact, is an emphatic “yes you can!”, but only under certain circumstances. This article explains.Home Based Business MLM – How To Actually WinIf this is the first time you’ve heard the statistic that the industry has a 90% failure rate, you may be surprised. What you may not realize is that those documented “failures” are really just people giving up. Now to be fair, they’re giving up with relatively good reasons – they haven’t been able to make it work. They haven’t been successful at really generating significant income using their home based business MLM vehicle. But often it’s not their fault.It takes a few simple, critical things in order to be successful with home based business MLM. While these things are SIMPLE, that doesn’t necessarily mean they are easy to create or to find. But if you can find them, and you commit yourself to being coachable and doing what it takes to succeed, financial freedom is virtually guaranteed. It’s just a matter of time.These are the critical Elements for A Successful (Profitable) Home Based Business MLM:Home Based Business MLM – Partnering with the right companyIf you’re going to stand behind something, you’d better be 100% certain that they can stand behind their product, their resources, their infrastructure, their leadership, and their long term sustainability. You’d also better be sure you’ve partnered with a company that shares your values and beliefs about what’s most important. Personally, if a company is ONLY about making money (you can tell if that’s all they talk about) then you’re in the wrong place. If, however, they have a bigger mission and vision that is parallel to your own, you have an opportunity for some great synergy. Partner with only the best home based business MLM company, partner for the right reasons, and partner for life.Home Based Business MLM – Having A Great Team Who Understands What Leadership Really Is So many people think leadership is about telling people where to go. This is especially true when you see someone who has been able to create results for themselves. These people tend to say “do this, then do that…” and then leave a person to figure it out for themselves. The home based business MLM industry is FULL of companies and people who use this model for “Leadership”. But leadership truly is showing someone how they can get from where they are to where they want to be…and then TAKING THEM THERE. I remember when I finally partnered with the right team and what a difference that made for me. We operate from a “learn, do, teach” model with more support than I’ve ever personally seen in the industry. That’s how it should be done.Home Based Business MLM – Understanding What Kills Most Businesses Often the home based business MLM model relies on having a decent number of connections or contacts that you are able to share your product, service, or business opportunity (or all of the above) with. What kills a good percentage of our 90% failure crowd is simply running out of people to talk to. They don’t understand how to market themselves and their business. They don’t understand how to put what they have to offer directly in front of the people who want it. This was another critical element for me personally. When I learned how to have an endless stream of people coming to ME, asking me about what I had to offer, the whole game changed. And nothing is more fun than helping people in my organization experience that same shift.The home based business MLM vehicle is by far the most fair, most accessible, and most powerful tool for financial freedom and wealth building available today. And provided you adhere to and conquer the simple elements above, you will win.

A Guide to Your Loan Management Software

Looking for Loan Management Software (LMS)? Here are three things to focus on when selecting one for your business:

1. How much are you willing to pay?

2. Why does your business need a Loan Management Software?

3. What features does your business require in a Loan Management Software?

To help you answer these questions, here is our guide on how to choose the right Loan Management Software for your business.

What is Loan Management Software?

As its name suggests, Loan Management Software was originally designed to help lenders build and maintain relationships with new and existing customers who have borrowed cash. Today, however, Loan Management Software has evolved from a simple contact management system into a robust tool that lets you manage leads, customers, sales, marketing, call centres, scoring, under-writing, payment processing, reconciliation, accounting, backend processing and other types of transactional and operational data, all in one easily accessible solution.

It can also integrate data from other areas of your business without any additional work. A Loan Management software gives lenders and their sales teams all the tools necessary to grow your business in a central hub with the least amount of work possible.

How much does a Loan Management Software cost?

The cost of LMS varies greatly. LMS Providers typically use a transaction-based pricing model, which can depend on a variety of factors, such as the number of active loans and the payment processed.

For the most part, you can expect to pay on a per-transaction, per-month basis or one-time cost depending on the model. You may also come across providers that charge a flat monthly fee but require larger packages or extra fees for support & maintenance. Pricing can range from $1 per transaction per month to hundreds of dollars per month, depending on your business’ unique needs.

Don’t have a budget for LMS software? Or maybe you’re not sure that LMS software is right for your business, but would like to see what it has offer? One option is to schedule a demo of a few LMS Solutions in the market or try a free trial if offered by any of the vendors.

Do you need Loan Management Software?

LMS can make your life as a lender much easier, while also helping your agents and managers get the job done in a more efficient and streamlined way.

If the following statements apply to you, your business needs Loan Management Software:

1. You need a robust Contact management.

At its core, contact management part of the LMS is all about keeping information from various sources organized. If you’re looking for a better way to store and manage customer information, LMS is the best solution for your business. It acts as an entire database for all types of insights on customers, including contact information, loan applications, loan and transaction histories, how customers browse your website, ways and times they’ve applied a loan with your company, demographics, interests, personal preferences and more. You can then use this information to segment customers for marketing purposes or to easily search for customers who fit specific criteria.

2. You’re looking for an automated way to boost sales.

LMS doesn’t just keep your contacts organized – it also offers a bevy of tools to help you boost sales and execute more effective marketing campaigns. These include:

Lead Generation. Find new customers by automatically taking-in leads from various sources like social media, website visitors, lead providers, inbound calls, newsletter sign-ups and more.

Email Marketing. Automatically build email lists, launch email marketing campaigns and measure performance. Loan Management Software can also send email reminders to customers and prospects to drive sales – for instance, by reminding them of abandoned loan applications, suggesting loan products or promotions that they may be interested in and other ways to make up for missed sales opportunities.

3. You’re looking for an automated way to funnel your leads

A robust LMS doesn’t allow you to work on leads, thereby wasting your precious time. It integrates a configurable under-writing engine that does the first level of filtering your quality leads.

Under-writing. Qualify and filter leads automatically with pre-defined set of rules or criteria (Under-writing), so that, you only have to spend of quality leads when they are sent to Credit Bureaus for Scoring.

Scoring. From a lenders perspective, just qualifying leads is not enough to accept the leads because every lead is associated with a certain cost. The leads need to be scored for various criteria before they are accepted. There are various Credit Bureaus in the market that allows the leads to be scored and sometimes, the leads should pass through multiple Bureaus’ Verifications before they are accepted. A good LMS should allow such integrations of multiple Credit Bureaus to score leads and sometimes with an option to define order in which they should pass through each Credit Bureaus

Verification. Now that, we have the quality leads that need to be verified. Only at this point that, your Agents start calling the leads and go through various verification steps of Loan Application. A flexible Loan Management Software lets you define the verification process, call queue, agent allocation to different type of leads, auto originate loans for good leads etc. Any lead that passes this verification is ready for approval upon the customer signing the Electronic Loan Agreement.

4. You’re looking to streamline the Loan Approval Process

Loan Agreement. The Electronic Loan Agreement binds the customers with the lender. Any lender’s choice would be to have multiple loan agreements for different loan types or products and the ability to add or truncate rules based on the lending rules of each state.

E-sign. Any lead that passes this verification is ready for approval upon the customer signing the Electronic Loan Agreement, which is called E-Sign. A good Loan Management Software either has an inbuilt E-Sign mechanism or allows to integrate with E-Sign Services like DocuSign or HelloSign. In-built mechanism obviously reduces the cost while integration allows you to use the service of your choice for E-Sign Process.

Loan Approval. The moment customer signs the E-Sign Document, the Loan Application sent to the Agent’s Manager for Approval. In case of a good lead, if an auto-origination process is defined in the Loan Management Software, the Loan Application is automatically approved and is ready to be funded. Other Loan Applications are approved by the Agent’s Manager and on approval and goes for funding.

5. You’re looking to automate payment processing

Payment Processing. Once the loan is approved, it will be ready for funding. The funding can happen immediately or at the end of each day. An efficient Loan Management Software should be capable of defining when and how the funding should happen every. Usually, the payments are processed through ACH Providers. The Loan Management Software can integrate one or multiple ACH providers based on lender specifics.

Return Processing. Receiving returns from the bank or payment processors and updating them in the LMS can be quite a tedious task. The returned transaction must be charged with an NSF Fee or a Late Fee, which has to be notified to the customer. The LMS you choose should have the ability to automatically process this information.

Collection. Collections are a part of any lending portfolio. Non-performing loans may be handed over to collection agencies by the lenders. This follows a set of rules that varies based on the state and lender. The LMS you choose should have the means to accommodate the rules and should be flexible enough to change at any point of time.

Choosing the right Loan Management Software

Ready to invest in Loan Management software? There are many different types available, so choosing the right one is the key to making it work for your lending business. Here’s what a lender need to ask a potential LMS Provider

1. Is it built for your market and loan types?
2. How easy is it to use? Can I easily train employees?
3. How customizable is the software?
4. What features are available to help me with sales, marketing and other aspects of my business?
5. How easy is it to integrate with third-party providers I already use?
6. What limitations are there to using the software?
7. What engagement models and costing options available? Are there any setup or additional fees? What if I need to expand my portfolio?
8. What type of security features does it have to protect my business’s and customers’ data? What happens if there is an outage? How is my data backed up in the cloud, and can I access it immediately?
9. If I need help, what type of customer service do you offer? Can I reach you any time, or is there a long turnaround period?

Best loan management software in the industry!

Natural Supplements to Grow Taller Review – Herbal Facts and Marketer’s Claims Review

Why do many consumers take dietary supplements to grow taller? The reasons are varied-many times medically valid, sometimes not. In low or appropriate dosages, some supplements offer health benefits under some circumstances. Some people use supplements with good intention: perhaps in search of protection from or a remedy for health problems such as depression, aging skin, cancer, or arthritis. Still others seek added benefits: perhaps better athletic performance or sexual prowess. Too often, supplement use is based on scientifically unfounded marketing promises. But, some people still claim to undeniable scientific proofs.

It would be great, but boosting your nutrient intake won’t cause your cells to produce extra energy or more brain power. Only three nutrients carbohydrates, fats, and proteins supply energy or calories to grow taller. Vitamins don’t. Although B vitamins do help body cells produce energy from the three energy nutrients, they don’t produce energy themselves. Many powerful drugs and toxic chemicals are plant-based. Varieties of mushrooms can be classified as “culinary delicious” or “deadly dangerous.” In the same vein, herbal supplements should be used with caution! Any healthy natural supplements to grow taller, without proper doctor acknowledgement and governement authority approbation sounds really fishy to me.

Athletes and other physically active people need about the same amount of nutrients as others do to grow taller just more energy, or calories, for the increased demands of exercise. The extra amount of food that active people eat supplies the very small amount of extra vitamins needed to grow taller and have more energy production, too.

Although protein needs are somewhat higher for some athletes, especially for those in strength-training sports, food can easily provide the extra. On another note, physical activity, not extra amino acids (protein), builds muscle. For more on nutrition for athletes and ergogenic aids.

Dietary supplements to grow taller won’t protect you from the harmful effects of smoking or alcohol abuse. Here’s the real scoop: Smoking does increase the body’s need for vitamin C; drinking excessive amounts of alcoholic beverages can interfere with the body’s use of most nutrients. If soil can grow crops, the food produced is nutritious. When soil lacks minerals, plants don’t grow properly and may not produce their potential yield. Growing area does affect a food’s iodine and selenium contents.

Supplements won’t give you instant grow taller results, it would take at least a 2-3 months training for instance. For vitamins and minerals to do their work, they need several hours or several days to interact and do their work in your body. For any benefits from other dietary supplements to grow taller, you likely need to take them even longer. Supplements to grow taller are easy to spot. By law, they must be labeled “dietary supplements.” About eighty thousand dietary supplements are marketed in the United States with multivitamin/mineral supplements being the biggest product category-and with an average of 500 new products launched each year. They’re sold in many forms-for example, tablets, capsules, softgels, gelcaps, liquids, powders, and bars.

Do you consume a varied, balanced diet to grow taller? With some exceptions, supplements usually aren’t necessary. If you’re healthy and if you’re able and willing to eat a balanced, varied diet. You probably can get the vitamins and minerals you need from smart food choices. According to national studies, most Americans have enough healthful foods available to do that, yet they may not. Under some circumstances, vitamin/mineral supplements offer benefits and are advised; like those for growing taller.

A woman with heavy menstrual bleeding? You may need an iron supplement to replace iron from blood loss. To enhance absorption, take iron supplements with water or juice on an empty stomach. If nausea or constipation are problems, take iron supplements with food. Absorption may be decreased by as much as 50 percent when taken with a meal or a snack. A woman who’s pregnant or breast-feeding? You need more of some nutrients, especially folate and iron-and perhaps calcium if you don’t consume enough calcium-rich foods. Check the label’s Supplement Facts to make sure you get enough for a healthy pregnancy. Ask about a prenatal vitamin/mineral supplement.

Someone unable or unwilling to regularly consume a healthful diet to grow taller? You likely need a dietary supplement to fill in the nutrient gaps. However, eating smarter would be better if you don’t have food-related health problems! Take a supplement with the advice of a doctor or a registered dietitian. For example, pre-menopausal women who don’t consume enough calcium to grow taller and stronger bones from food likely need a calcium supplement-unless they’re willing to improve their diet. Some babies after age six months, children, and teens may need a fluoride supplement to grow taller and perhaps iron or vitamin D.

If you are not able to meet your calcium and vitamin D recommendations with foods to grow taller, you may need calcium or vitamin D supplements to grow taller. Ask a dietitian or your doctor about the right dosage and type. And enhance their absorption by taking them with food. Only food can provide the mixture of vitamins, minerals, phytonutrients, and other substances for a health quality that can’t be duplicated with dietary supplements to grow taller alone. Fortunately for most Americans growing taller, there’s plenty of quality, quantity, and variety in the food marketplace.

Enjoy plenty of calcium and vitamin D-rich foods. They provide more for bone health calcium, phosphorus, vitamin D and overall health than supplements do. And a varied, well-balanced eating plan offers other nutrients that appear to promote bone density, including magnesium, potassium, and vitamin K

Supplements to grow taller carry labeling, showing the amounts of vitamins and minerals in a single dosage. If you already eat a healthful diet, you probably don’t need any more than a low-dose supplement. Taking a multivitamin/mineral supplement, with no more than 100 percent of the Daily Values (DVs) as a safety net, is generally considered safe. Most nutrient supplements are produced in low dosages.

Supplements with water-soluble vitamins or minerals can be risky if taken in excess, over time. For example, taking extra vitamin B6 has been suggested to help relieve premenstrual tension. Yet there’s limited evidence to support large vitamin B6 doses for relief of premenstrual syndrome (PMS). Many women have viewed large vitamin B6 doses as harmless, since they are water-soluble. Instead, they may cause irreversible nerve damage when taken in very large doses above the Tolerable Upper Intake Level (UL): 500 to 5,000 mg vitamin B6 per day.

That said, can you overdose on vitamins or minerals naturally as you grow taller with food? That’s highly unlikely. As we mentioned, taking very high doses of dietary supplements or taking too many, too often can be dangerous. The vitamin and mineral content of food is much more balanced fortunately. In amounts normally consumed, even if you enjoy extra helpings, you won’t consume toxic levels of nutrients. So eat a variety of foods-and enjoy! Note: Nutrient amounts to grow taller can add up if you consume a lot of highly fortified foods.

You may take dietary supplements to grow taller for potential health benefits. It’s not uncommon for people diagnosed with cancer, AIDS, or other life-threatening health problems, who are desperate for a cure, to put their hopes and healthcare dollars in alternative treatments, including dietary supplements. However, supplements may offer a false sense of security-and a serious problem if you neglect well-proven approaches to health or delay medical attention.

Drink plenty of fluids with calcium supplements to avoid constipation. The lactose and vitamin D in the milk help to enhance calcium absorption. If you don’t drink milk and want an alternative to calcium pills, consider calcium-fortified juice or soy beverage. One cup of calcium-fortified juice or soy beverage can contain about 300 milligrams of calcium, the same amount as in a cup of milk, and provides vitamin C, folate, and other nutrients. Still, you need a vitamin D source to aid absorption; some calcium-fortified juices and soy beverages are also fortified with vitamin D.

Calcium supplements help to protect against osteoporosis (brittle-bone disease) It can’t make up for your lifestyle choices or poor health habits. Regular weight-bearing physical activity is important to grow taller and obtain healthy bones. For healthy bones, avoid smoking, too.

Vitamin nasal sprays or patches are effective to grow taller? No research evidence says so, even though they’re promoted for faster, more efficient absorption. In fact, they may not be absorbed at all. Here’s the reality check: Fat-soluble vitamins need fat from food to aid absorption. Vitamin C in your intestine aids iron absorption-a problem if vitamin C comes from a spray. Vitamin B12 binds with intrinsic factor made in the stomach during digestion. That cannot happen with a spray or a patch! So that means all the place that try to claim that you could grow taller with that are just scam.

Indeed, herbals and other botanicals have known medicinal qualities helping us grow taller; 30 percent of today’s drugs come from plants. Yet, herbals and other botanical supplements also are sold as dietary supplements rather than regulated as drugs. Like many plant-derived pharmaceuticals, these supplements can offer both positive health benefits and harmful side effects.

On the up side, enough scientific evidence has been collected on a handful of botanical supplements to support their limited use. For example, under a doctor’s guidance, gingko biloba may be used to help treat the symptoms of age-related memory loss and dementia (including Alzheimer’s disease); green tea extract may help reduce cancer risk. A growing body of research evidence is being gathered about their safety and effectiveness, as well as their limitations and dangers.

On the down side, like other supplements to grow taller, herbal and other botanical supplements are regulated differently from pharmaceuticals, which are meant to cure or prevent disease. You aren’t as protected from misleading claims as you might think. When you think about the quality and effectiveness of these grow taller methods; you can see that the marketer’s are absolutely in control of the quality…

According to current law and regulations, herbal and botanical remedies to grow taller and other dietary supplements to grow taller can enter the marketplace without FDA approval. The burden is on the FDA to remove a dangerous dietary supplements to grow taller from the marketplace. Currently dosages of herbal remedies aren’t standardized, so dosages vary among products. Some are even copies of the actual real-product that is made by legitimate herbal company; they put the same product name change what is inside and put the same label. Be very careful, you can look up grow taller 4 smarts free scam alerts to be ahead of scammers.

Although packaging claims can’t say that a supplement to grow taller cures or prevents disease, it may carry claims for its purported health role. Many claims have only limited scientific evidence. Are herbal supplements or botanicals are safe during pregnancy and nursing? There’s not enough scientific evidence yet to recommend safe levels for herbal supplements for pregnant or nursing moms. However, some are known to be harmful to a baby.

How to Detect Drug Abusing Teenagers

The effects of substance abuse in teens are not only individual; they can also be seen on the society. They may face problems at school or college and may involve in criminal activities. It is therefore very important to detect drug abusing teenagers. Drug testing should be conducted on a regular basis at schools and homes to identify and save them from harmful drugs of abuse.

Signs of drug abuse
Identifying certain signs helps you to detect if the kid is addicted to the drugs. Some of the common physical and emotional signs are:

• Change in sleep patterns
• Poor motor coordination
• Poor hygiene and illness including nausea and excessive sweating
• Irregular heartbeat
• Impaired thinking
• Mood swings
• Hyperactivity or overtired
• Depression

Drug abusing teens lose their interest in family activities, often abuse verbally and physically at home or school, and disrespect the family or school. In addition, abrupt decrease in grades, memory and attention loss, and lack of interest and concentration on studies are some of the signs at school. The moment you observe any of the above mentioned signs, you need to immediately check if the kid is abusing drugs. Drug testing is one of the safest and easiest ways to detect the drug abuse among teens.

Types of drug tests
There are different types of methods to detect the teens who are using drugs. Some of the common ones are urine, saliva, hair, and blood tests.

Urine drug test
Of all the types, urine testing is used most commonly as it is inexpensive method used to detect a drug user. You can use urine test kits at home or school to check if the child is addicted to illegal drugs. Quick and accurate results are obtained by these test kits.

Saliva drug test
It is more advantageous as it is relatively non-intrusive. Saliva from the mouth is taken through a swab and is checked for the presence of drugs. Most recent drug abuse can be detected by saliva tests. Conducting saliva test is very easy and also provides accurate and immediate results.

Hair drug test
This method is also non-intrusive. A hair sample of 1.5 inches in length is enough for conducting the test. Drug or its metabolites deposited at the hair shaft are detected by hair tests. You can get very reliable and accurate results by this method.

Blood drug test
You can also use a blood sample of the teen to detect illegal drug usage. It is however expensive and you need to approach laboratory as you cannot conduct it at your home.

Detection periods
The detection period depends on the method of test conducted. These detection periods vary from the type, dosage, and frequency of drug used.

Urine drug test can detect drug or its metabolites for 30 days in frequent users and for 2-3 days in occasional users. The test detects Cocaine for 4-5 days, Heroin for 2-4 days, Methamphetamine for 3-5 days, PCP for 3-7 days, and Codeine for 2-4 days.

A saliva test is mostly used to detect recent drug usage. However, it can also detect drugs consumed 3 days back. Of all the methods, hair drug test has a longer detection period. It detects illegal drug consumption for about 90 days.

What if results are positive?
Once the kid is tested positive by drug test kit, talk to him/her about the result. You can get a confirmatory result through laboratory tests. Communicate with him regularly regarding the effects of drug abuse. Ask him to leave companions or friends who are habituated to drugs. If necessary, send him/her to substance abuse treatment program.

Importance of intervention
Detection and intervention of drug abuse at primitive stages can prevent further damage. Drug intervention is an attempt made by family members or school authorities to help the teen get out of drug abuse or addiction. The main objective of intervention is to make the teen understand the physical and mental destruction caused by drug abuse. If you are not able to speak to the kid on this, you can take help of your friends or relatives. You can also consult specialists who counsel drug abusers and help them get back to their normal life.

Parents and school authorities should always keep an eye on the behavior and activities of the teens. Necessary measures have to be taken in order to prevent them from taking drugs.

Prevent Teen Drug Abuse Using Drug Testing Kits at Home

Teen drug abuse became a serious health problem in United States. It is hurting the healthcare system, burdening the economy, and causing millions of deaths every year. Of the many causes that promote drug abuse among teens, lack of parental supervision is a major one. Teens should be guarded properly by their parents as they are still immature.

Since, early intervention leads to effective prevention of this unhealthy habit, parents should identify drug abusing habits in teens and take preventive measures. Parents can take help of home drug testing kits which are effective and easy to use.

In this article, we will discuss about teens and their vulnerability to drug abuse; how to identify teen drug abuse and how important are drug testing programs at home to prevent teen drug abuse.

Teens – vulnerable to drugs abuse: Many scientific studies have already proved that teenagers are more prone to risk taking and are vulnerable to drug abuse when compared to adults. This typical behavior of teens during adolescence is because of the major changes in parts of the brain that are responsible for functions such as self-control, judgment, planning, organization, and emotions. Since teen brains are not yet fully developed, they cannot take proper decisions and fall victims to unhealthy habits like drug and alcohol abuse.

Signs and symptoms of drug abuse: The primary step towards prevention of drug abuse in teens is to identify their unhealthy habits. Prominent changes, both in their behavior and in physical appearance can be noticed even at the early stages of abuse. Following are the warning signs:

Physical and emotional changes:
• Red eyes
• Finding difficulty to speak
• Sudden fall or rise in weight
• Lack of hygiene and showing less interest in personal grooming
• Aggression and arrogance
• Depression and irritation

Social and behavioral changes:
• Dissociation from old friends and acquiring new social group
• Sudden anger or depression
• Poor attendance and academics at school
• Spending time lonely
• Abnormal odor in breath or clothing
• Pipes, needles and other suspicious substances in their room

Importance of home drug test kits: The moment you see the signs that indicate drug abuse in your teen, it is the time to confirm drug abusing habits using reliable methods. They are useful devices for the parents to confirm these unhealthy habits in teens. They are simple, easy to use, provide instant and accurate results, cost-effective and above all ensure privacy. Some multi-panel drug testing kits can detect multiple drugs of abuse at a shot.

Best drug test methods to implement: When it comes to home drug testing, urine and saliva tests are considered to be the best methods. There are two other methods – blood and hair tests also, but they need special devices and expert supervision, hence are not recommended for home testing.

Urine test can detect the drugs in your teen’s system up to three days after use. If you believe that your teen has taken drugs during the last few days, then this method is effective in offering accurate results. However, it is necessary to check that your teen is not providing fake urine sample which can lead to false results.

Saliva drug testing is an ideal drug test if you suspect that your teen abused drugs on that particular day. These kits can detect drug use up to 48 hours.

Need for random drug testing: If you are conducting drug tests on your teens at regular intervals, following a regular pattern, your teen may notice the pattern and either try to manipulate the sample before the test or stop abusing drugs few days before the test. Hence, practicing random drug tests is always an ideal way to identify the drug use which effectively helps in detecting the drug abuse among your teens. Random testing makes teens say ‘NO’ to drugs as they know that you can conduct drug testing any time at home.

Home drug testing kits can be considered as effective solutions in controlling and preventing drug abuse in your teens. So, make sure that you have some of them at home to test your teen to help him stay away from drugs.