What is multi level marketing

Multi level marketing is known as network marketing. This is a kind of business where franchising and direct selling are combined. This business makes a person associated to a company in an independent transaction approach. It is an approach where the company creates a contactor relationship to the person who wants to expand his business.

The members make their earnings based on the sales they have reached in that particular product or service. It also includes the sales of the person that they have recruited to join the business. Most of the time the individual who has recruited more members and provided a good sales output on the product compensate higher because of the effort to transact in two different fields.

There are “pyramid schemes” or Ponzi schemes, which are considered illegal. Most people associate multi level marketing to these kind of schemes because they also recognize themselves to be a legitimate networking business. Because of the bad image brought up by these schemes, many prefer to use their names for their businesses as “home based business franchising” or “affiliate marketing”.

Commissions are earned in the process of selling a particular product or service in a legitimate network marketing. There can be no earnings in what they call as a “sign up fee” or for just recruiting yourself alone. This kind of marketing is always criticized because of the questionable recruitment process where they get their revenue and profit. They get their sales from members and new members, which are considered the end users of the product and as the distributors.

These criticisms led to the major changes in the multi level marketing in the early 1980s when many companies have started to allow their members to concentrate only on marketing and not on distributing or stocking the product. Most multi level marketing firms nowadays perform as fulfillment firms by taking the tasks of shipping the product, paying the commissions and taking orders from their clients.

Many people who are victims of the illegal schemes in multi level marketing are required to buy expensive products, but most of these schemes do not last long because most of the sales are not easily resold.

5 tips to help you identify who to market to

If you have your own small business, it's important to decide exactly who you will be marketing your products or services to. After all, you probably don't have the time or the money to market to everyone. And even if you did, it is not recommended.

You'll want to select what is called a "target audience." This is an identifiable group of people you believe will be the best prospects for your business.

But for many small business owners, narrowing their focus to one primary group of people can be a challenging task. They want to help everyone — and very often their product or service CAN help a variety of people.

It also goes against human nature to narrow your focus in order to grow a business. Common sense seems to tell us if we want to grow our business big, we need to appeal to more people.

In reality the opposite is true. When we narrow our focus to a particular group of people we become an expert in solving their particular problems. We get to know them very well and we can develop additional products and services to fill their needs.

So how do you decide who to market to?

Following are 5 tips:

1) Think about the type of people who can MOST benefit from what you have to offer.

2) Think about who you would most enjoy helping, or working with.

3. Think about the type of people who will be easiest to reach, AND who will be most receptive to what you are selling. These will be people who KNOW they have THE problem you can solve and are LOOKING for a solution.

4) Know that just because you select a particular group of people to focus your marketing on, does NOT mean you can't help others who may come to you. It only means you're going to focus your proactive marketing efforts on the target group you select.

5) Lastly, don't over-think it. Listen to your gut, pick a group you feel you can really help and proceed with the development of your marketing plan. Marketing is a fluid process. The important thing is to start. You can always refine your audience and your plan later as you learn more.

(C) 2005 Debbie LaChusa

Consumer debt solution - analyzing your options

You have several options to reduce your consumer debt. You can take the do-it-yourself approach by consolidating debts into a low rate loan. You can also find help through companies that management payments or negotiate debt elimination. Each option has pros and cons, and should be analyzed carefully before committing to a specific approach.

Do-It-Yourself Approach

Refinanced mortgages and home equity loans can help consolidate your short term debt into one easy payment while reducing your interest rates. Your interest is also tax deductible.

Consolidating loans can lengthen your payment period, increasing over all interest payments. There are also loan fees to consider, especially when refinancing your mortgage. Some home equity loans and lines of credit don’t have opening fees in exchange for higher rates. Your credit score will also be affected having another open account.

Companies That Can Help

Companies can offer two different types of help for dealing with your consumer debt. Debt management companies handle payment for all your short term credit accounts. For a small monthly fee, they will pay your bills, negotiate lower interest rates, and close accounts. Depending on your creditors, your credit score may or may not be affected.

With a debt negotiation company, you can see 10% to 50% of your debt eliminated on some accounts. Such an approach can help you avoid bankruptcy, but there are long term affects on your credit. You will also have to report reduced debt as income on your taxes.

Comparing Options

Before you sign a contract for a loan or service, compare several different companies. Request their rates and terms, and compare them with others. Legitimate companies will freely provide you with information. You can also find information online through company sites. For detailed quotes, you will need to submit some basic financial information such as debt amounts.

Getting Advice

You can also find help with a credit counselor over the phone or in person. Certified counselors look over all your finances and help you come up with a plan to handle your debt and living expenses. They may recommend simply following a budget or using a particular service, such as debt management.

Your kailua vacation rental options

Are you interested in booking a stay at a vacation rental for your next Kailua, Hawaii vacation? If you are, you will soon find that you have a number of different options. A few of your options, as well as situations that they may be best for, are outlined below.

One of the many options that you have, when staying in Kailua, is booking a stay at a vacation home. Kailua vacation homes are popular among tourists. One of the many reasons why they are popular is because many are private and they have home-like feels. You will also find that vacation homes are often full of great and much needed features, including washers and dryers, dishwashers, cable television, internet access, and so forth. If you carefully choose your Kailua vacation home, you may gain access to a swimming pool or a garden patio area.

Kailua home rentals are ideal for all vacationers, especially those who enjoy having privacy and a home-like feel. With that in mind, some Hawaii tourists can benefit from vacation home rentals more than others. For instance, if you are looking to take a romantic getaway or a honeymoon, you may enjoy the privacy of a vacation home rental. If you are traveling with your family or a large group of friends, you may enjoy the large space that accompanies most home rentals.

Another one of your options, when looking to take a Kailua vacation, is renting a condo. When renting a Kailua condo, you are provided with a certain level of privacy, but not as much privacy as provided with a vacation home rental. For example, you will be able to rent your own living space, but there will be other residents or tenants in your condo complex.

As with vacation home rentals, Kailua condos are ideal for all vacationers, but they are ideal for those traveling in small groups. Although vacation condo rentals do come in a number of sizes, you will find that they typically have one or two bedrooms. Perhaps, the only downside to renting a Kailua condo is that they are difficult to come by. If you are able to find an available Kailua condo that you like, you are urged to make your reservations right away.

You also have the option of booking a stay at a Kailua villa, when taking a Kailua vacation. What is nice about villa rentals is that they are luxurious and elegant in nature. Generally speaking, a villa rental is a step up from a vacation home rental. Although there will be some variances, Kailua villas are often large in size, somewhat secluded, and are often stocked full of great features, such as swimming pools and hot tubs.

As with all other Kailua vacation home rentals, Kailua villas are ideal and available for anyone who wants to rent them. With that in mind, the elegance and luxury of them makes them perfect for romantic getaways and honeymoons. Since most villas are large in size, you may also find villa rentals perfect for large group trips, such as a surfing trip with friends.

Although not as popular as Kailua vacation homes, condos, and villas, you will also find Kailua apartment rentals available for booking. These rentals are traditional apartments. In fact, if not rented for vacation purposes, these rentals would likely be filled with local tenants. One of the few downsides to renting a Kailua vacation apartment is the privacy. While you will still have your own private rental, you may hear your neighbors coming and going.

Due to typically being small in size, Kailua vacation apartment rentals are ideal for those who are on romantic getaways or honeymoons. Speaking of small sizes, you will find that size has an impact on cost. Vacation apartment rentals are one of the most cost effective ways to vacation in Kailua. If you are on a budget or just looking to limit your vacation expenses, a Kailua apartment rental may be worth looking into.

As outlined above, you have a number of different options when looking to find a Kailua vacation rental to stay at. If you are still unsure as to which type of vacation rental is best for you and your needs, you may want to take the time to examine all of your options. This is nice and easy to do with websites, such as HawaiianBeachRentals. com.

Pay as you go car insurance

You can pay as you talk with a cell phone plan, so why not pay as you drive auto insurance? It sounds like a good idea; but would pay as you drive auto insurance work for you? The idea behind pay as you drive auto insurance is simple. Basically its this - if you do not drive very much, you will not pay high insurance premiums. Advocates for this type of insurance policy think that there are many merits to this type of program. What if you car pool to work, or take public transit? You are not using your car very much so why are you paying high premiums. With a pay as you drive auto insurance premiums you would be able to quite literally pay as you go.

Another situation where this plan would be of benefit is that of many retirees who have winter homes in temperate climates, the 'snowbirds' living in Florida or Arizona six months of the year and six months in New York or Toronto for example. Essentially the insurance companies would set an average driving amount for each car type. It could then be broken down into a cents per mile basis. If you wanted to us the pay as you drive auto insurance system you could purchase a set number of miles and you would be covered for insurance during this period.

Pay as you drive auto insurance is an excellent idea for those individuals who do not use their car very much or try to find cost saving methods or environment saving alternatives. Currently this type of program is not yet available, but there are supporters in many states who are hoping to change that soon. Groups including Environmental Defense, the Conservation Law Foundation and even the U. S. Environmental Protection Agency are working to organize a national cooperative that would work with insurance companies to offer deep discounts for low-mileage drivers; halfway a step toward PAYD (Pay As You Drive) insurance.

General Motors and On-Star Offers PAYD Rates. In mid-2004 General Motors Acceptance Corporation (GMAC) Insurance began offering mileage-based discounts to OnStar subscribers located in some states. The OnStar system reports a vehicle's odometer readings at the beginning and end of the policy term to verify mileage. Motorist who drive less than specified annual mileage can receive insurance premium discounts of up to 40%. PAYD programs are also currently available in Israel, South Africa and Holland. PAYD is gaining momentum, and will be coming to your area soon.

But will it ever arrive in the biggest Car Insurance market, the UK?

There has been a lot of debate and forwarded working concepts but non yet approved. Discussions have been put in place and considerations made but for as far as the UK drivers are concerned, that is as far as it has gone. Perhaps the industry has too much to lose with this new money saving concept so it will be put off for a while, but as pressure and country’s evolve into the new scheme it would be irrational for the UK to stay behind, fingers crossed peps.

Stop snoring remedy 2

A Change in Lifestyle is A Good Remedy to Stop Snoring

Approximately 45 percent of the American population snores irregularly. However, there are also an approximate 80 percent of couples who sleep in separate rooms all because of snoring. Have you ever imagined a couple having a divorce due to snoring problem? That could really be terrible.

Really, snoring problems do not just stress the relationship of partners, the problem is also applicable to all sorts of people being struck by it, for instance a beautiful maiden despite of her beauty will really look awful in her sleep if she will produce irritating loud snores.

Do you think the prince who kissed sleeping beauty will be tempted to kiss her if she had a piercing snore? Surely, you too would doubt it.

But think of this, the social consequences brought by snoring are not that funny. A simple snore might eventually lead to sleep apnea, a disorder in sleeping where a person stops breathing for about 60 seconds, a life-threatening disease. Therefore, simple snoring should not be ignored.

Not that alone, according to recent researches snoring can also lead to diabetes. This is because snoring lessens the amount of oxygen intake, thus, the body is activated to produce more catecholamines, which could also lead to the known symptom of diabetes, insulin resistance.

Now, before we proceed to the possible treatments of snoring, it will be more effective if we will trace the root of snoring first.

Have you ever questioned yourself or other people on why do people snore?

When we are asleep, the air passes through our nose, throat and lungs naturally, noiselessly and unimpeded. Though, for millions of people, a disruption in the flow of air naturally occurs. Several reasons for this are a clogged nose, or maybe, the bottom of the tongue is hampering the breathing.

The usual reason for snoring is caused by the soft tissue in the throat or upper palate which vibrates. When the airway is blocked as it passes to the lungs, troubles come in. Basically, loud snoring is a product of the air that passes through the narrow tissue.

Now, we will attempt to answer your question, how will you stop this snoring?

Honestly, there is no specific universal answer for this, but do not get disheartened, several solutions were made to exist to help people who are suffering from this predicament, probably, like yours.

Practically, let’s focus on your lifestyle and how it will worsen your snoring, likewise, how it will cure the same problem.

Excessive eating, excessive drinking of alcohol and too much intake of cigarettes can make snoring worse. Now, the so-called “conservative therapy” of the doctors which directly pertains to the change in lifestyle, is a good primary step to cure snoring before attempting other harsh and extreme treatments, such as surgery.

A healthy lifestyle to prevent snoring is to:

• Avoid large meals before sleeping, have at least three hours rest after taking your last meal.

• Maintain a healthy balanced diet to keep your weight in accordance with your age, height and body type.

• Conduct a regular physical exercise to burn excess fats.

• If you are prone to allergies, lessen bedroom allergens to avoid nasal mustiness.

• Avoid sleeping with open windows.

• Sleep on your side.

• Avoid overtiredness and set up a normal sleeping pattern.

Web design choice of fixed width vs liquid layouts

If you have worked long enough for your web design company, or if you have tried designing a site on your own, you should already know by now that there are two kinds of web page layouts that you can choose from. Fixed width layouts are those wherein the width of the entire web page is set at a specific value, while liquid layouts are those wherein the width is flexible depending on how wide the online visitor's browser is. Choosing between these two layout methods can be a little difficult for a web designer, as each has its own benefits and deficiencies. Let us look through each and discover everything you need to know for you to make the right choice.

Fixed width layouts allow you to start with a specific size that you set. This allows you better and direct control so that you know how your page will look like, at least most of the time. They work best if you work with print backgrounds, as they allow for minute adjustments in the layout without inconsistencies across browsers and operating systems. On the other hand, with a liquid layout, you base the layout on a percentage of the browser's current window size. Liquid layouts allows for an efficient use of space given by any browser window or screen resolution. They are often used by web designers who want to get as much information across in a very limited space. Your web design company may ask you to choose one from the other depending on the needs of your client.

What is at stake for you and for your web design company when you choose between these two windows? Well, the method you choose has a large bearing not only on the final site design and aesthetics, but will also affect the ability of your online visitors to scan through the contents of your site. Furthermore, the layout can affect the ease, by which readers will find what they are looking for in the page, and can also reinforce or ruin your marketing efforts in the website. Thus, your web design company may stress the importance of choosing the right one depending on the message that the client wants to communicate across.

The Web Design Benefits and the Drawbacks

To help you and your web design company to decide on which to use, I will present the benefits and the drawbacks for each type of layout.

Fixed Width Layout

1. The web design Benefits

I. Allows you to come up with pages that look entirely identical no matter who is browsing and what type of browser is being used.

II. Elements such as images and graphics will not tend to overpower the text contents especially in smaller monitors.

III. No matter how wide the visitor’s browser is, the scan length will not be affected when there are large segments of text.

2. The web design Drawbacks

I. They will cause horizontal scrolling in small browser windows. Users generally dislike having to scroll horizontally.

II. Fixed width layouts usually result to large coverage of whitespace in large monitors such that there is a waste of unused space, and further vertical scrolling may be needed than necessary.

III. This layout can not deal with font size changes quite well. A small increase in the font may be tolerated, but larger increases can not be handled well that your overall layout may become compromised.

Liquid Width Layouts

1. The Web Design Benefits

I. This layout can contract and expand to fill in all available space on the page.

II. All available space is used up, thereby allowing you to display as much content as you need to in larger monitors, yet still remain viewable on smaller ones.

III. This layout can provide you consistency in relative widths, therefore allowing your page to respond dynamically to restrictions and specifications that may be imposed by your client, such as larger font sizes.

2. The Web Design Drawbacks

I Liquid layouts do not offer precise control over the page width and the elements on the page.

II. This layout may result to columns in the text which are either too wide for comfortable scanning, or too small for the text to show up very clearly.

III. Liquid layouts tend to have problems when dealing with elements in the page which has fixed width (i. e. image and graphics). If the column does not have enough space, some browsers may increase the column width, and all other elements in your page may not be in the proper order.

Many designers usually go for the mixed approach. You web design company may also suggest you to use both layouts depending on the page and the part of the site you are making. You can, for example, set your main columns to fixed width but make your side columns, headers and footers more flexible. With time and experience, you will eventually learn how to make the most out of the features of each layout type to come up with an optimized site.