What is the top 10 list of risks in business world year 2011?

According to Aon’s 2011 Global Risk Management Survey the top 10 risks in business world are as follows:

1. Economic Slowdown
2. Regulatory or legislative changes
3. Increasing competition
4. Damage to reputation or brand
5. Business interruption
6. Failure to innovate or meet customer needs
7. Failure to attract or retain top talent
8. Commodity price risks
9. Technology failure or system failure
10. Cash flow or liquidity risks

For your convenience here I am adding other potential business risks such as Third party liability, Distribution or supply chain failure etc.

If you are a businessman or an entrepreneur please be careful from aforesaid business risks during operations. And also you may eradicate such type of risks from your concerned business by taking advices from leading consultants www.twcmsi.com or any other business or management consultants accordingly. 

What are the types of major business risks? How they affect in to your business?

The major types of business risk falls under three categories such as 1. Crime, 2. Fire and 3. Health and safety. These three category having lot of associates risks involved in business. So, now let's see how they affect in to your business.  

1. Crime: Mainly the word comes from “theft” out of loss of companies valuable equipment or stock. As we know the threat of violent or assault may show us crime, crime is the basic source of most troubling losses of concerned companies wealth.
2. Fire: Sources of fire may occurred from carelessness or an unexpected accidental cases. If you have insurance policy then you can save your losses of your capital. If you don't have any insurance policy against your company wealth or products then may I request you to contact with prominent insurance company right now? I am sure it will assist you from unexpected accident like fire.
3. Health and safety: Health and safety is a different major risk of your business organization, so when your policy ought to cover injury to third parties then your companies workers compensation policy shall cover your workers or employees injury.   

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What is business risk?

Definition of Business Risk:

A business risk means a factor or conditions which may have a negative impact on the profitability or operation of a concerned organization. Also a business risk may be result of internal conditions or some external factors which can be marked in the wider area of business society. On the other hand, when a company does not have adequate cash flow to meet its operating expenses is called business risks.

Important of Business Development and Marketing Techniques

In today’s business world, the most challenging works is marketing for the sake of competition within each industry. And project design, project financing, cost estimation and production and manufacturing etc ought to come in a platform and to carry on a new product in to the market. The prime responsibility of the marketing department is to take those products to the consumers and also selling the products in to the potential market places. Market research and market survey and making study regarding products and services and competitors, sales projections during weekly, monthly and yearly, applying suitable sales and marketing strategies, offering sales promotions, discounts, price reductions, rewards, seasonal discounts for a limited period of time, buy one get one free, clearance sales etc. Actually marketing department and concerned should think such issues for their improvement. There are various business developments and marketing methods exists in order to sell products or services in to the market. They may be direct

Sales and marketing, door to door marketing, online marketing, products or services promotional offers, advertising through newspapers, magazine, radio, and televisions i.e. in the print or electronic medias, customers calling via telephone through offering new promotional benefits and packages etc. The other phases of marketing tasks is to employ the sub dealers, dealers, distributors, sole agents, retailers in order to sales and supplying products or services to themselves with highly ensuring products in all times via excellent quality. It is notable that “A new products or services” may needed huge time to attracts the customers mind but in that case have to apply some extra ordinary techniques or policies to sell or marketing your products. In this regard to ensure professional sales or marketing, you may contact with www.twcmsi.com for getting sales or marketing advices from their experienced business or management consultants. You have to build nice relationship with regular customers as well as with new or potential customers. You should apply attractive promotional offers, benefit packages to convince your customers. As an owner or chief of the marketing or business development areas, you have to provide sales or marketing incentives, allowances, commissions and attractive salary packages to your staffs to ensure the weekly, monthly sales or marketing target. Here I will outline some basic important of business development and marketing techniques, which is bellows:

♂ Business development or marketing representatives will promote or sell or marketing products or services with strong confidence. My products are best on the circumstances

of prices, quality, sizes, weights, measurements, longevity, after sales services, warrantee, guarantee, replacement etc in comparison with other existing products in to markets.

♂ Strongly follow up your customers because they may be asked you or complain you with some acceptable or even unacceptable problems which they recently faced. But you have to face such situation with very care and highly professionalism so that customers may not misunderstood you.

♂  Take time to time market survey, market research and if possible find our your products difficulties, problems, defects and take necessary actions or rectify or amend the problems or defects with shortest possible time in order to improve your products standard or quality.

♂ Your telemarketing representatives have to ask the customers permission with politeness to speak about products or services what they’re using. Technically they may ask to your customers what they’re feeling about the products they bought.

♂ By the telemarketing representatives if they don’t know any answers, they have to say sorry to your customers and also they should let them know after knowing the same from superiors of your organization. In that case you have to forbid your telesales or service executives, not to provide any false or fake information or clarification to your honorable customers.

♂ Customers satisfaction is the business motto. At any cost you have to manage or convince your customers.

BUSINESS DEVELOPMENT & MOTIVATIONAL QUOTES

“So many dreams at first seem impossible. And then they seem improbable. And then, when we summon the will, they soon become inevitable.”

-         Christopher Reeve

“Nothing happens until you decide. Make a decision and watch your like move forward.”

      - Oprah Winfrey

There are two kinds of companies, those that work to try to charge more and those that work to charge less. We will be the second.

     -  Jeff Bezos

This nation was built by men who took risks – pioneers who were not afraid of the wilderness, business men who were not afraid of failure, scientists who were not afraid of the truth, thinkers who were not afraid of progress, dreamers who were not afraid of action.

     - Brooks Atkinson

I think that our fundamental belief is that for us growth is a way of life and we have to grow at all times.

     - Mukesh Ambani

China has really succeeded because of its stability. So my feeling is, how are they going to maintain this fantastic stability is a very fast changing economic situation. I think this is a challenge we face, how the global region will evolve in stability with such a fast growth. If they succeed to do that, no doubt, in the next generation it will be the major area of the world, economically.

    - Bernard Arnault

The demand for organic food is growing at a remarkable rate. Consumers have made it clear that they want organic produce and every sector of the food chain is responding, with the kind of results we have just seen.

      - Prince Charles

We started Yahoo in about April 1994. It started out as a way for us to keep track of things that we were interested in.  

- David Filo

First of all we had very few users. We might have had a hundred accesses a day. So there was really no demand from the users to add their own links. Thinks changed over time though as our access rates doubled every month. Through word of mouth on the Net more and more people began using it.

       - David Filo    

We just have to go at 100 miles an hour in all our businesses, be they television broadcasting, be they magazine publishing, be they subscription television, be they online, be they gaming. We just have to go at one hundred miles an hour.

         - James Packer

Of all the things that can have an effect on your future, I believe personal growth is the greatest. We can talk about sales growth, profit growth, asset growth, but all of this probably will not happen without personal growth.

         - Jim Rohn

When a small business grows like eBay did, it has a multiplier effect. It creates other small businesses that supply it with intellectual capital, goods and services.

         - Meg Whitman 


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What are the techniques to increase business?

Business development remains a continuing process involving tools i.e. sales, marketing, information management, and customer service etc, for the most of the business organizations need to follow such of the said process. Now a days, many organizations involves to create and managing JV (Joint Ventures) partnerships with other potential business organizations, leveraging their technologies, expertise and other properties to expand their products and services, functionally and or market reach except investing in building these resources internally. For the business development there are dissimilar techniques having where objectives are well set to attract potential clients and shall quite able to enter in to other markets.  

Following techniques have to include:

♦ Appraisal of marketing opportunities and setting up target markets

♦ Idea gathering about clients and market competitors

♦ Gathering sales and marketing leads for possible selling

♦ Drafting and advising on sales and marketing policies or procedures

♦ strongly follow up sales activity

♦ Presentation in front of superiors, managers, executives on sales, marketing, business development analysis and formal proposal against these.

♦ Model design for business development

♦ In case of business development or management consultants or professionals have to do rehearsal prior to formal presentation

♦ Identify and recognized new areas of business growth and development. After recognizing new areas of potential growth and you will certainly need to take action to implement it for development. 

♦ Also business development professionals have to identify business opportunities, current industry trends, industry research, product research, market research, market survey, competitors analysis etc.

♦ Knowing how business competitors are operating their business, what is the products quality, prices, after sales service, promotional offers, these will be beneficial for business growth and expansion.

♦ required to set up different marketing campaign and advertising analysis in comparison with existing market competitors.      

Business owners should have to meet the business or management consultants unless they don’t have internal experts due to achieve their business goals also in order to gain desired ROI (Return on investment) in the stipulated fiscal period.

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What is new business development? How you may do it easily?

New business development definition: New business development deals with all type of activities such as which involved in realizing new business opportunities, including business design, product or service design, sales and marketing policy & strategies formulation etc. If we divide business development in to two parts, we have : “Business” and “Development” respectively. The very first thing that is came to my mind when look up at businesses through Finance, Managerial functions, Economics, Management, Sales and marketing activities, market competitors competition, prices of products or service etc. These are the major keywords which directly correlated with entrepreneurship and risks also significantly indicate the main scope of the “business development”. Also business development is connected with the keywords, Products & services quality development, Technological improvement, Cost or price reduction in comparison with competitors product's or services, Improve relations, General welfare, Forward movement in a highly positive directions etc. Simply, new business development means is an activity which identifies qualified new business opportunities, produces high quality, product standard as a result of generating more sales in order to new business development.          

Primarily my suggestions to all of new business owners or entrepreneurs that you must establish Telemarketing and Telesales for new business development. Let's see what is Telemarketing, Telemarketing approaches, advertising, Affiliate Marketing which are as under: 

Telemarketing: The ultimate goal of telemarketing is to increase your companies profile about products or services to all potential customers and to immediately identify the more significant business opportunities. Telemarketing team is a group of marketing team those who are involved with marketing your companies products through a set campaign by that you will be able to notice the ROI (return on investment) very promptly. Telemarketing team members need to train up through some basic qualification with professional approach mainly females employees may play a vital role here to convince your potential clients. Because your potential customers will not give them huge time primarily so, telemarketing staffs need to explain about your company profile, products or services, quality, overall better understanding about the target customers, target sectors etc in a short span of time.

Telesales:  You have to decide whether you are able to sales your products, services over telesales or not? If you think that it is quite possible to sell your products via telesales then rush for it, employ some quality employees for your telesales department. Set hierarchy levels there such as Telesales manager, Supervisor, Team leader and team members or executives etc.  

Advertising: You can apply traditional advertising like advertising in to the daily newspapers, print media, Electronic media, TV, Radio etc. And on the other hand you may use online advertising such as in the popular websites, or in the online shopping sites or any other famous sites like www.ebay.com, www.amazon.com or www.cj.com or www.twcmsi.com etc.  

Affiliate Marketing: Affiliate marketing can be very helpful at the initial stages for the new business development. So, in this regards set up “affiliate marketing program” and then offers lucrative benefit packages to the affiliate marketers such as commissions, rewards, and other incentives on each and every sales or direct sales category.  

Else you may follow the above formula and go for the following steps: 

1. Pre- launch competitive intelligence and deep market research,

2. New opportunity assessment or appraisal

3. Product or services promotions and partnering strategies

4. Business technology, marketing planning for product launching

5. New Market expansion strategies

 To conclude this article, if you follow and shall implement these techniques in your new business after that I am sure you can easily able to develop your new business.  


Dear Readers, “As I am adding articles frequently so remember to come back regularly!!”

What are the Business Development Techniques?

Business Development Techniques: Nowadays  in the corporate world, many business proprietors and concerned executives of the organizations are for all time seeking for a new techniques or methods in order to develop their business. Business development helps a company to reach in to a new market, create products for clients in need and address issues that are holding the business back on an internal level. Business development techniques are based on industry knowledge, setting business goals, evaluating the results and taking action etc.

There are few number of business development techniques accessible, these are as under:    

Listening to customers remarks: As client or customers is the most important part of any type of business because business organization wants to sell their products or services to the customers and by the sales they gets money which can affect the business operations. You know, your customers are the consumer or user your products or services, they may have superb new ideas or techniques which if you hear from them then you may get new adding ideas to your existing product lines. Getting feedback from focus group discussion or interviews or questionnaires forms or discussions is a different way to enhance and develop your business.

Target your Marketing Opportunities: Target marketing opportunities is another way for business development and how can expand or analyze its presence in the market. Whether that presence shall given good or bad results, the concerned business could start targeting new markets by offering products or service suited for new market in question. For example, research and marketing testing with clients may disclose that some of the products sell better during that particular seasons. This data may assist company to move forward in to a new market during these periods of high seasonal selling.

Meet with a Business or Management Consultant or Expert: Small business may not aware about the techniques what they can apply for development of the business, small, medium organizations that don’t have experienced manpower to planning business development techniques they frequently looking for a Business or management consultant or expert. The business or management consultant or expert shall plan and write the development techniques and proposals then submit these reports to the key business personnel of the concerned company. They (the experts) shall give more knowledge to grow or develop your business in a credible or effective manner with high professionalism.

Accounting and financial planning: If operational budget is limited then a business may not be develop or expand its business satisfactorily. Where larger companies have a single master budget and many smaller budgets there in some small business only single operational budget. Management or business consultant or experts will have to analyze the existing budget and will make changes if necessary so that company has the sufficient funds to organize efficient marketing or product development respectively. Accounting or financial planning else a development technique and assists any businesses to make the right investment decision at the right time to achieve their financial desired target within a stipulated time frame.

Use “Word of mouth” Advertising: Word of mouth can be the initial or simplest and effective business development techniques. With the help of word of mouth advertising specially any new firms can develop its business with promptness. When peoples share their experiences with each other through positive aspects such as with family, friends, relatives etc about a company products or services quality then undoubtedly we have to understand that potential customers may attract about the products to buy.

Go for another location: When you are in a initial stages you may not think about business Franchise expansion but some companies should think about quick expansion of their business centre or base point office due to heave demand of the products or services.

Offer rewards to customers: It is another business development technique i.e. if any customer shall refer your products or services to other potential new customers then they’ll get attractive rewards.

Target about additional business: Suppose your existing business is running well, what about other potential business? Say, you have a refrigerator out let or show room or manufacturing business you may think about manufacturing similar brands “Stabilizer, voltage protector”. By doing that you may earn multiple revenue streams. If you get success then go for further expansion of business.

Your local business can be globally: If you have a manufacturing business or others then you can expand your business up to global arena. Say, you are in Asia then expand it to Middle East, Europe and America chronologically in order to capture the world market.

Business through the Internet: Modern business organizations are operating their businesses through internet. They can buy or sell their products or services via internet say, online shopping through e-commerce, by those buyers shall able to purchase their products with their credit or debit cards. So, plan and design your business website in a unique or attractively so that online visitors may choose your products. For example,www.amazon.com or,www.ebay.com etc. 

What are the levels of Business Development? Describe all the business development levels.

Levels of Business Development: There are three levels of business development such as 1. Product level, 2. Commercial level and 3. Corporate level.

Detailed levels of business development are as under:

1. Product level Development: At the product level development is meant developing a new product or technology. Though product level of development may differ from firm to firm. Product level development can be separated into two categories i.e. 1. Disruptive and 2. Incremental.   

Disruptive or discontinuous development are completely new things developed from scratch while incremental developments are a development which increases the functionality of an existing platform or technology i.e. of an incremental continuous development is extension to already existing products such as a new odour for shampoo, a digital camera with 5MIO pixels for your cellular phone. In both of the cases the platform, cellular phone and shampoo remains the same.  

2. Commercial Level Development: At the commercial level development is meant new segments or markets by cold contact. The work needs an extremely driven psychologically strong person capable of handling lots of turn downs. It is surely not suited for the faint of heart. The next level of commercial business development is sales organization or channel setup. The sales organization or sales may consist of partners, distributors, agents, licensees, franchisees or your national or international branches where agent means somebody who is representing a principal in exchange for the sake of commission on forwarded clients. In most cases these agents are called dealers, resellers, value added resellers etc. And finally in the commercial level, business development at the value chain level and in the value chain level business development is about developing the whole product offering.

3. Corporate level development:  At the corporate level development is meant about implementing mergers and acquisition (M & A), direct equity investment (DEI), joint ventures (JV) and strategic alliances. Basically it deals with corporate finance, business portfolio analysis, contract law, social law, fiscal law, anti trust law, culture management and change management etc. Business organizations may have various motives to buy organizational competencies. For instances, patent protection, legal constraints, time to market entry barriers, proposal or business complementation, profit diversification and cash flow etc.           

What are the Pillars of Business Development? Discuss briefly.

There are four pillars of business development such as follows:

1. Marketing
2. Sales
3. Information Management
4. Customer Service or CRM (Customer Relationship Management)

Now let's see the discussion of the four pillars briefly,

1. Marketing: The management process in which goods and services move from concept to the customer. The act or process of selling or purchasing in a market. And alternatively it is a process or techniques of promoting, selling and distributing a product or service. Also it is an aggregate of functions involved in moving goods from producer to consumer. As it consists in coordination of four elements which is called 4P’s as such A) identification, selection and development of a product or service, B) Determination of prices, C) Selection of a product distribution channel to reach to the customer's place D) Implementation and development of a promotional strategy. 

Mainly, as per philosophy marketing is based on thinking about the business in terms of customer needs and their satisfaction. It differs from sales of product or services as because – According to Professor of marketing Theodore C. Levitt (Harvard Business School) “Selling concerns itself with the tricks and techniques of getting people to exchange their cash for your product. It's not concerned with the values that the exchange is all about. And it does not, as marketing invariably does, view the entire business process as consisting of a tightly integrated effort to discover, create, arouse, and satisfy customer needs.”  

2. Sales: Generally the term “Sales” means, an exchange of goods or services for an amount of money or its equivalent; the act of selling. For instance, sales meant the activities involved in selling any goods or services.

3. Information Management: Information management indicates Application of management techniques to collect information, communicate it within and outside of an organization and process it to enable managers to make faster and superior decisions and the discipline that analyzes information as an organizational resource. It covers the definitions, uses, values and distributions of all respective data and information within a business organization which needed in order to progress and function effectively. Sometimes within the organization “information” may be as complex as business transactions frequently impact every area inside a company. Of course, it necessity to be

Understood and analyzed prior to providing solutions of effective computer are which developed?

4. Customer Service or CRM (Customer relationship Management): Simply, customer service means the provision of service to customers before, during and after a purchase of products or services. According to Turban et al (2002 year), “a Customer service is a series of activities designed to enhance the level of customer satisfaction i.e. the feeling that a product or service has met the customer expectation.”

In today's business world, many scholars treated customer services in different meaning such as follows: 

Customer service is a proactive attitude that can be summed up as: I care and I can do.

Customer service is an organization's ability to supply their customer's needs and wants. 

Customer service is the ability to provide a product or service in the way that it has been promised.

Customer service is about treating others as you would like to be treated yourself.

Customer service is a phrase that is used to describe the process of taking care of our customers in a positive manner.

Customer service is the commitment to providing vale added services to external and internal customers, including attitude knowledge, technical support and quality of service in a timely manner.

From the above point of view, customer service, sales process engineering effort,

Plays an important role in a business organizations ability to generate income and revenue. Also it includes overall approach to a systematic improvement.

CRM (Customer relationship Management): According to crmforecast.com, “CRM is a business strategy directed to understand, anticipate and respond to the needs of an enterprise's current and potential customers in order to grow the relationship value.” 

In the modern business world, CRM (Customer relationship Management) or CRM Software is an information industry which maintains usually Internet capabilities, software, methodologies etc that assist an organization to manage customer relationship in a organized or superb way. For instance, an organization might be use an database software to manage the relationship management with customers with providing service, access information, match customers needs or product or services plans, offerings, remind customers service requirements, knowing what type of products or service the customers already purchased and so forth. 

What is the meaning of “Business Development”?

Meaning of Business Development: Business development means different things to different peoples. In brief, business development is about bringing, doing or developing new things that the organization didn’t do before. Also it means increasing sales, identifying new markets, trends, products or services and expanding the company’s long term business success, expansion or scope etc.

If we elaborately speaking, business development is meant the process of sales, marketing and development strategies for an business organization or a company. Every business needs to focus rigid attention on the creation of marketing and business growth and expansion. The specialist area of business development encompasses a number of techniques and responsibilities which intend at attracting new clients and at penetrating it existing markets. Alternatively, Business development is a word for “Sales”. Moreover, when a sales candidate has the term “Business Development” on their curriculum vitae, potential employers may differentiate them to be a “Hunter” rater than a “Farmer”. Business development can incorporate Accounts, Finance, Operations, HR, IT , BPI etc and all other departments respectively within an organization depending on the services or products, as much as it can involve developing existing business. Else business development covers a wide range of strategies and responsibilities with the specific objective of winning the hearts and minds of new customers and punches the business into existing markets. These strategies may cover a wide range such as seeking for possible marketing opportunities, intelligence gathering on competitors, clients, support business policies with regard to sales techniques, and recommend to management the business model design to strengthen those strategies. For example, in Bangladesh within last 5 years the brand of “WALTON” from "RB Group of Companies Ltd." in TV, Refrigerator, Fridge, Bike etc electronics market it won the local as well as foreign markets consumers hearts and minds chronologically.   

The business development role is a mix of marketing and sales activities the enable an business organization to make an effective approach and unique approach to the target companies, and markets you want to approach. The major role is an all encompassing role with the objective of assisting business organizations to “generate more business” in their target or desired business areas.

Finally, Business development is all about three things such as relationship, value and timing. From the aforementioned statement it becomes keenly noticeable that there is not one single meaning of business development, it may vary from business to business.     

How to generate Adsense Revenue from your blog or website?

1. More traffic, more revenue: Adsense depends on traffic, no traffic, no Adsense. So, use your skills to increase more traffic or visitors for your site. You know, your visitors looking for valuable information, so, you have to confirm that you are providing quality contents.
2. Adsense for Domain: You can register some domain and register Adsense for some revenue.
3. Adsense for feeds: Improve your feed by Google Ads to ensure some revenue from Adsense, keep Adsense ad on top or bottom of the feed and burn your feed. Please go to www.feedburner.com to burn your website or blogs feeds, that feed will automatically adjust the ads sizes.   
4. Adsense through content: Adsense is a popular way to boost your online income. Try to get the ads from Adsense by following their terms and policies then go for relevant ads in to your bogs, websites, videos, site search results, web based games, mobile sites etc. Use size ads 160 x 600, 300 x 250, 350 x 280, 728 x 90 these types are bigger ads for more revenue earning. Publishers may get benefits like nearly 99% out of total Adsense revenue for contents.
5. Set up Affiliate networks from Google: Google supports affiliate networks such as eBay and Amazon etc. So, sign up for Google Affiliate, later getting approval it will display the ads and associate your Google Adsense account with Google Affiliate. Affiliate earning will add in your Adsense account directly.
6. Adsense through Search: Many online visitors sometimes do their searches from Google, so add Google Adsense search in your blog or website, get a code from Google and paste it in your site. When visitors will search from your search, then you’ll get revenue.
7. Google Adsense through Mobile content: This feature will display ads on your content on mobile phones so, why should we ignore it? As many online visitors using cellular phone web browser for internet browsing.
8. Adsense through Games: You can earn through your browser based on games.
9. Use customer search ads: Jobs, ecommerce, travel, education etc may be anther option for generating revenue through search focused sites.
10. Google Adsense through Video: You can earn revenue by video content through ads in your published videos.
11. Select keywords: Use Adwords tools, simple think to find out which keywords will pay higher CPC & search traffic. There after, fix up your center pages or articles in the region of the keywords. It is better to ensure $ 2.50 plus keywords else go for more than $10 keywords rather than 1 cent, 30 cents etc every click or CPM.
12. Set the highest CTR(Click through ratio) unit for your higher CPC unit: Search out in channel tracker to find out which your ad unit pays the higher CTR (Click through ratio, that is on which the most visitors will click on. That particular ad unit will come first in the HTML if it is not in the top page is irrelevant, make sure so that it comes very first in the code. You can alter the lower CTR units in to link units or delete then for the better revenue.

13. Don't use external links: Try to avoid external links and use only Adsense to attract your visitors to click on it. Because if you use external links, gadgets your visitor shall follow these meantime you may loose your changes clicking on Adsense.

    

Free URL, Website Submission to 40 or even more top search engines & directories

Everybody wants to submit his or her company or personal website or blog site to the top & favorite search engines and online directories such as google, yahoo, bing(MSN)& so on but it requires huge time to browse every search engine in order to submit URL. I am giving all of you a simplest, easiest and quickest way to submit your website or blogs in such top search engines. Please just type this address: www.submitexpress.com/free-submission.html , then this site will require your URL, E-mail, Name, Phone number, Country, Captcha code and after that click on “Submit Now” button.
 Automatically this site will register your URL to their sites respectively. Later on, within few minutes you will automatically receives some confirmation e-mail to your e-mail address from http://www.scrubtheweb.com, www.entireweb.com, http://www.anoox.com, http://www.activesearchresults.com, http://www.exactseek.com sites, you have to check out these e-mail and also have to confirm by clicking on the links provided by them. Afer finishing these tasks your job is done. Visitors will automatically browse your websites or blogs sites as a result of URL submission your visitors will dramatically increase. Many others free URL or website submission sites are http://freewebsubmission.com, http://www.addme.com, ww.global.gr/mtools/linkstation, www.addpro.com, www.dmoz.org/add.html, www.free-web-submission.co.uk, www.submitfree.com, www.allsitecafe.com/submitter/submit.html, www.webterrace.com/edge/submission.htm, www.submit-away.com/auto-submit.htm etc. Finally starts to visit the aforementioned sites to add your business or personal websites or blogs URL to boost your traffic or online visitors. More traffic means more income! 

How you’ll get small business loan as capital?

We know, for conducting any business capital is essential. In every countries of the world either is in developed or developing, the entrepreneurs needed loan for funding their business if they aren't finance alone. In the earlier articles at www.learnmoreearnmoretips.blogspot.com, topic was “What are the types of capital? Write in details”, I have discussed regarding three types of capital there such as Debt capital, Equity Capital and specialty Capital respectively, for your convenience please read that article. In the small businesses or in medium or even large type businesses capital is required because some financial or baking organizations provide money for small business operations or functions on a daily basis or monthly basis interest. Actually there are a various ways where small business can get it business capital. SME (Small & medium enterprise) banking or financing also a brilliant example. For such type of financial help you may contact with your nearest bank's branches or SME Foundation, MIDAS Financing Limited, ASA, BRAC etc (In Bangladesh). If you're staying at rest of the world then you may meet with your local banks, NGO’s financial organization for your business capital. Loan types may be regular commercial loan or equity financing etc. On the other hand, option may have business credit cards, venture capital, equipment leasing, account receivable and lines of credit etc. Obtaining a right amount of money against your business loan you have to accomplish some tasks like financial authority may asks for your business trade license, City corporation or municipality certificate, TIN (Tax payers Identification number), VAT (Value Added Tax) certificate, National ID/Passport, Bank statement in the name of your enterprise, financial information, wealth information, sources of other income, guarantors etc for assessing creditworthiness. Before your loan or capital search your preparation and good business planning is needed rightly then you'll get your loan or business capital very easily. Because financial organization always based on written statement before assessing or appraisal of the loan procedures, they may asked you how much capital you require for doing your business or expansion of the existing business or how the potential funds will be operated etc. Financier also want to know how they will be got their money as return of bank with interests, and your proper planning will be help to obtain your debt. Banks or financial organizations having a matrix by which they will find your scores of eligibility for getting loans or debts. You can start your initial business with one of tiny bank or financial organization for financial loans or debts, few business credit cards, and few vendor lines of credits etc. On the other side, one alert message for the new but small business owners or entrepreneurs please maintain a good reputations or status against your transactions with bank or financial organizations if you have a future planning on taking loan from banks for your business growth or expansion. Being if you fail to clear your dues within stipulated period of time, you may defaults, or your loan will be classified and a defaulter subscribers may not eligible to get any bulk amount of loans form banks unless they (banks) don't provide you clearances as NOC (No Objection Certificate). In case of some overdue for a quite a long time, banks may reported you name in the CIB (Credit information Bureau) to the central bank, in such situation of your submit your file to any bank, application file will be declined automatically. Objective of my writing is to raise the awareness of the new entrepreneurs in regard to obtain any bulk capital for future business.    

What are the types of Capital? Write in details.

There is having three major types of capital in financial sector all of which are so important for any businesses within the globe. These are different from each other. Now let’s see all of three types in details. 1) Debt capital, 2) Equity Capital, 3) Specialty Capital.

Debt Capital: Debt capital is required when business enterprises facing capital or fund

 crises or deficiencies. Debt Capital generally taken in some agreed conditions that with interest debt amount will be returned back to a wealthy individual or banks or financial organizations or bond holders in a prearranged future date. Where interest expenses may be treated as cost of renting the capital which used in your business for its expansion or growth also it is also known as “cost of capital”. For the new business enterprises that Debt capital may be the simplest way for collecting or funding capital for their business. There profit will be considered as return on capital minus the cost of the capital. For example, profit will be calculated simply from borrowing amount of money minus interest's amount and taxes for a specific period of time under some conditions. 

Equity Capital: Some times Equity Capital called as “book value” or “net worth”. We get Equity capital when we deduct assets from liabilities. In some business capital totally funded by Equity capital. As many people don't want to be bankrupt it requires huge time and group efforts or hard work for establishing business as well as for its growth. For example, we know Microsoft has a pure equity capital in its business structure. 

Specialty Capital: Specialty capital is the gold standard in some sources of capital has about no economic cost. This may include the followings:

Negative cash conversion cycle i.e. vendor financing, insurance float, Sweat Equity etc.

Negative cash conversion cycle i.e. vendor financing: If you have a super store, you want to raise this business in a separate location for an amount of money as capital

 BDT. 50 Lacs. You have to buy inventory, keeping stocks with lot of merchandises. Assume, if you get some clients want to pay you money prior to take your merchandise, this will give you a chance to carry huge merchandise in your store than your capitalization structure. Vendor financing would calculated as part financing at the % of inventories to accounts payable. If we analyze cash conversion cycle, the more days negative this is the better. For example, the Dell Computer has negative cash conversion cycle which helps them to become a larger computer company in terms of no debt. 

Insurance Float: Many insurance company, collect money from clients and then invest in fund generating projects or areas to boost their income and in the future they payouts to the policy holder faces accidents like damaged a vehicle, car etc. According to “Buffett”, “Float is money that a company holds but does not own. It has all of the benefits of debt but none of the drawback; the most important consideration is the cost of capital, i.e. how much money it costs the owners of a business to generate float”. As you're using others money in your business to generate more income as a result you have to payout their money with profits in terms of their investment, else you'll keep an amount from that income. 

Sweat Equity: This is another form we known as sweat equity. According to, Wikipedia, “Sweat equity is a term that refers to party's contribution to a project in the form of effort as opposed to financial equity, which is a contribution in the form of capital”. Sweat Equity is that, which is created in some assets or in a company as a direct outcome of hard work effort by the owners. For example, the work in which engine has to rebuild in order to enhance its worth may be measured as sweat equity. 

Business Money or Capital or what are your potential sources for fund?

To run a business, money or capital for financing is very much essential either category of business in small, medium or large type. So, now we should know from where we may get sufficient money or capital for conducting a business. Potential sources for finding your desired business capital which are given below:

1. Banks (Commercial Banks or Government banks), 2. Financial Organization or institutions, 3. BRAC, ASA, Grameen Bank or SME Foundation or MIDAS Financing Limited etc (In Bangladesh), 4. Cooperative Society or Multi Purpose, 5. Micro Credit Organizations or NGO’s 6. Potential business partners, or JV (Joint Venture) Partnerships, 7. Friends, Family or Relatives, 8. Find out alternative sources which seem fittest for your business.

Therefore, dear entrepreneurs, if you need more money or capital for establishing or expanding your small, medium or large type of organizations please contact with your local or nearest aforementioned financial organizations to get collect your business loan in order to start your business. Also please keep in mind that, if one organization denied to allow you loan under any circumstances then alternatively meet with others because in Bangladesh or in any countries of the world having more financial organizations or banks where you will get business loan. In that connection I have no doubt, so start your business with taking fund from them to boost your income, give special chance for employment of unemployed peoples and as well as to improve your country’s economic development.     

Why SEO (Search Engine Optimization) is so important?

Before giving you the real answer, at very first I would like ask you a simple question, why a person or a company make a web site or web page or a blog? Answers surely will come like for his or their benefit or marketing through the web or Internet world in order to maximize their online visitors or traffics. As we know, any search engine like yahoo, Google, bing are the prime source of getting visitors or traffics answers, information through specific or related website. The more traffic or visitors for a particular website or web page or blog means the more benefits such as more sales, more profits. From my practical experiences, when I searched out some information I went to google, yahoo or bing search engine sites in order to take help to find out my information. But in the answer page I followed first page results lists significantly than check out second page, the busy individual would like to see results in the first page and this is undoubtedly right. And in the very first position taker is got high ranked which may creates a positive impression in to the visitors mind. At present in the modern business world, small and medium or large business organizations are operating their business globally with the help of Internet so, to make profit or do more business SEO (Search Engine Optimization) is so important. From that point, SEO (Search Engine Optimization) related projects are dramatically growing day after day. 

What is the meaning of SEO (Search Engine Optimization)?

Now a day in the World Wide Web, SEO (Search Engine Optimization) is a buzz word. And where everybody wants to see his or her website in the very first or front page of Google search, Yahoo search, bing search to get higher ranks and more and more traffic. In other sense, SEO (search engine optimization) is a unique procedure of improving the visibility of a website or blog or web page in search engine through un paid (organic or algorithmic) or natural search results. SEM (Search Engine Marketing) plays a vital role here for target paid listings else the more often the webpage or web site appears in the search result list the more online visitors or traffic will get the message about your web page. SEO (search engine optimization) may work in a different form such as local search, video search, image search, academic search, news search etc. It helps to a web page or web site its own presence in the web arena. You have consider some technique before applying search engine optimization, have to set out your target audience, optimizing a web page or website involves editing it HTML, contents and linked coding to raise its significance to specific keywords also to take away obstacles in to the indexing actions for search engines where a different tactics is rising the number of inbound links, back links for promoting a web page or website.

         

SEO (search engine optimization) is a procedure to bring a web page or website or blog in using a particular keyword to more front page of the main search engines like yahoo, bing and google. Every one, specially those who are having some knowledge in operating computer and Internet if s/he want a information s/he try to find out their valuable information via popular search engines. Each and every search engines has their own software and it starts searching to find for them from stored data of the web when someone put their words, sentences, questions in the search engine blank space. As such you write a keyword, say, “health tips” in the google search engine then system automatically within few seconds gives you a result list, and you may get lot of information related website for your search. But in the search results if you get one who placed first or second position. If you asked a simple query why a particular web page or site comes in to first position of a search engine this is because of SEO (search engine optimization). 

What is WebMoney? Why it is needed?

WebMoney: http://www.webmoney.ru/eng/about  or http://www.wmtransfer.com  both are same in service named as WEBMONEY. It is established in 1998 for the global settlement system via online business activities to its customers. WebMoney means money transfer technology which is based on providing all of its customers or users with a unique interfaces that allow to operate and control individual's property rights for their valuable assets, stores at the specialized entities- the guarantors. Moreover, specific features of transactions with proprietary rights for values stored by each guarantor, as well as their dimension units and the guarantor's compulsion to exchange those proprietary rights with the currency of the country of its registration. Respectively each and every member of the system in order to registering a “purse” which really provides as the accounting attribute of the proprietary rights, the “purse” in the system will have 12 digits identification number and prefix, belonging to a corresponding guarantor by the WebMoney authority. For more details or clear understanding about WebMoney may I suggest you to visit their website: http://www.webmoney.ru/eng/about/   or http://www.wmtransfer.com chronologically? On the other side, to create WebMoney Transfer Registration you have to follow by clicking on  http://start.wmtransfer.com/ there in a blank space you have to provide your personal cellular number because they'll issue you a secret password  to log in, entering personal details, E-mail verification, Cellular/mobile verification, create a pass word etc,   there are no limitations or boundaries or distances for e-currency transactions via WebMoney (money) transfer, anyone in a valid way can use or enjoy this service from anywhere of the world. http://www.webmoney.eu is additional site on across Europe which is famous for its activities such as a single solution for e-cash payments. It provides WM Services to its customers in the world or respective countries. WebMoney also ensures a secure operation, record keeping, automated payments, exchange between payment instructions and regional partner in simply your computer or except your computer if you have a Java application supports in your mobile phone then you may do shopping or make WM transactions on the move without your computer. All these services combined create a work environment with a functionality of a complete office or even a bank with everything you need from communication means to bookkeeping all on your computer. http://www.webmoney.com or http://www.webmoney.jp/ also two WebMoney sites in Japanese or in other languages.

How you will receive money from Libertyreserve?

Libertyreserve: Account registration in liberty reserve is so simple, just requires your personal details, account title, your name, address etc. Security code, password, Login PIN, and account number you have to preserve for future reference. Also you have set the features such as profile settings etc. www.libertyreserve.com is a company which assists peoples to receive secure payments and send any amount except revealing customers identities or account numbers. Also liberty reserve (LRs) called company's electronic currency which is exchanged with Euros or American Dollars. By Liberty Reserve it is quite possible to convert other currencies in to Liberty Reserve (LRs). Transfers charges requires from 1 percent or US. $ 2.99 only (It is changeable). Liberty Reserve accepts shopping, entertainment, finance, forex and Internet services etc. Clients from all over the world can use Liberty Reserves online exchange service to withdraw or add any funds from accounts of themselves where funds won't withdraw or added from a client's bank account directly. 

On the other hand, with Liberty Reserve you can store value in U.S. $ dollars and transfer payments to others and you can receive payment from other individuals. Transaction via Liberty Reserve is quite reliable, safe and so confidential. Liberty Reserves money is real time currency for international trade and commerce. Within few minutes you can send or receive payments from any one around the world. The important thing is that liberty reserve has a strong security for it customer's account and passwords, PIN and anti key logger etc there for keeping your value as secure and safe in your account.     

How you will receive money from Western Union?

Western Union: www.westernunion.com  is bit costly but money transaction site for all over the world, though it is popular but many freelancers aren't using this. If you see, you have no alternative way other than western union at that time you can take benefit from this site internationally. Just you have to manage your client or buyer so that s/he sends your money to you via western union. This type of transaction better, anxiety free. Within few minutes you can draw your money through western union, no way, you have to convince your sender. It's better if you get money from your client via this popular site because in many countries western unions supports such as in many banks, NGO’s having authorization for providing their services all over the world. For this service your client or buyer will ask to give your full name, permanent address, phone/mobile number, e-mail address or other necessary information. After that s/he will give you secrets digits/numbers just you have to tell your local western union supported office authority that particular secret number along with a valid national ID card or passport and photo then they (the concerned officer) will give you money. Western union will not charge you any money they will charge money or fees from your client or buyer. 

Payoneer International Debit Master Card

Payoneer Debit Master Card: www.payoneer.com debit mastercard accepted in 210 countries in the world. No Bank Account required, use it stores, online or at the ATM booths respectively. Each and every freelancing companies in the world having a mutual contract with Master Card company like www.payoneer.com. And those freelancing sites are actually called payoneer’s partner. If you receive a Master Card from any of them then you can certainly take or uses it benefits. For example, if you receive a mastercard form www.odesk.com then surely you will get facilities in other sites of payoneers partners such as www.freelancer.com etc. Here in our Bangladesh standard charted bank and Dutch Bangla Bank supports this international debit master card. In terms of rates you will get amount of current rates in local currency.

www.payoneer.com will not directly issue the international debit master card because of its limitations. You may get that card from payneer.com supported partner sites easily. If you want to get this master card then you have to sign up or register your name in to any partner sites like www.odesk.com. Where you can get your master card simply except money. At the time of applying www.odesk.com  you will require your National ID card scan copy for their official formalities so, before doing that please collect that national ID’s scan copy.  Via your local postal office service you will receive your master card to your mailing address within duration like 28 days. After receiving your card in hand you have to activate the card from www.payoneer.com where activation fee or chares is US $ 9.95 only (the charges may increases or decreases). Thereafter you can take the benefit of that international prepaid debit master card where it is actually supported globally. 

How you will receive money from Moneybookers?

Moneybookers: www.moneybookers.com is one of the best online money transaction site in the world. Firstly, you have to open an account with providing your email address and along with necessary personal details. After that, you also have to verify “Address verify” and there after moneybookers authority shall send you a letter to your given mailing address containing with a secret code. The letter you will receive nearly within 20 days via postal service, then when you submit your secret code (which you will receive from moneybookers via postal service) to your moneybookers account after that your account will be address verified and the limit of your transaction shall increased thereby. Else you have to enter your local online bank account number, bank name, branch, SWIFT Code number, details etc in to your monebookers account to transfer or withdraw money in your bank account from moneybookers. For more information regarding your bank you will get it from your local bank office, so, meet with them before entering or open up your online moneybookers account. 

At initial stage, you have to payout or withdraw your earned money from your freelancing site directly to your moneybookers account then when you see money already being entered in to your moneybookers account thereafter further you have to make a payout command from your moneybookers account to your given (which is already added in to your moneybookers account) bank account. Within very short span of time likely 6 -7 days your money will come to your respective bank account. US dollar $ 2 may be moneybookers charges for each and every withdrawal. For such type of transaction you will receive current local currency rates from your bank.  

How you will receive money from Paypal?

Paypal: There is no doubt paypal (www.paypal.com)  is the large online base money transaction medium in the globe, but in some countries like Bangladesh still paypal (the popular money transaction site) is not supported. If you work in online then you would see lot of sites offers you paypal for money transaction or payout. If you are a Bangladeshi citizen then you can follow this process, have to inform one of your best friend or relative who is currently living or staying at paypal supported countries at overseas, you would request him to open an account and then need to verify the account in favor of you from paypal site. Alternatively, search out someone else who already using this kind of paypal process via overseas friends or relatives from Bangladesh. This activities are so rigid and risky but quite helpful for you to accept online money.

How you will receive money from Alertpay?

Alertpay: Altertpay (www.alertpay.com) is an online money transaction site. The majority freelancing sites may not support Alertpay. On the other hand, sites those are not freelancing i.e. non bidding sites can support Alertpay for online money transaction. Just you have to sign up in Alertpay by providing your user name and password, your e-mail address and other information details. After submitting your information Alterpay will confirm you by sending an e-mail which may includes transaction PIN, Phone validation code etc. You can earn money from Alterpay by referral programs also. Anyway, you can include your Alertpay debit card if you have sufficient balance on this card. You can exchange Alertpay money in to real cash. After adding effectively in your alertpay account you can withdraw money to you.  Bangladeshi users may make cash via SBBL or DBBL or any other supported bank’s ATM booth with that card. Alternatively, place a check or cheque payout request when you earned sufficient amount of money in your Alertpay account. After receiving your check or cheque from Alertpay then visit in a bank or meet with concerned authorized foreign exchange person of the Standard Chartered, Prime Bank, Butch Bangla, Brac, Mutual Trust Bank or any other supported Banks in your local areas. As we know many users of Bangladesh working in online for some good PPC, PTC sites or other sites. They may think how to bring money in Bangladesh; in above process you may receive money in your hand via Alertpay. Many international users may get money from Alertpay if in their countries Alertpay is being supported. You can transfer your money directly to any of your authorized bank account if it is not applicable then simple send your request to Alertpay for a check or cheque. Check or cheque sending charge or fees may deduct from you such as $2 (two) only. After receiving your cheque or check in to your hand then follow the mentioned process and go to nearest foreign exchange supported banks for making in to cash. 

Build your retirement benefits from today

Retirement Benefits for Elderly peoples: If you are a government service holder, you are fortunate enough where after your retirement you will get gratuity, provident funds, increment and many allowances etc. In some multinational or corporate organizations now a day offering many benefits with higher salary, house rent allowances, child allowance, medical fees, job security etc. But many of us those who are not doing such above jobs or doing only private job they are really in troubles for future, these type lacking such type of benefits may lead our self in a miserable conditions after retirement or when we’ll in jobless. You may wonder why I should think regarding retirement at this moment as because you may too young now and quite fit for work and earning money. Dear readers I am thinking about your future days, about your dependents. In some of development countries elderly citizens are getting retirement benefits, social security etc but for many developing countries or LDC’s (least developed countries) is still day dream to enjoy this type of facilities whatsoever it is. Here in our Bangladesh most peoples go in retirement before the ages of 69. At this point in this article I am going to figure out some major options from where you may get your retirement benefits if you prepare yourself to open up following plans: 

1. Buy some lands and build your home: According to my knowledge, it is the best areas where peoples of Bangladesh want to invest for future benefits. You land value or price always increases as peoples are increasing in a large number. If you buy a land and build you home from taking bank or financial loans or go for negotiations with developers or real estate Company for 50:50 proportions if fund is limited. From that source you will get monthly rents or if you sell your land after few years, you will get huge profits from this investment. No loses ever I found in this land buying and selling or developing etc. 

2. Open some life insurance policies: Some life insurances companies having retirement benefits products such as life insurance or saving plan. Invest or depositing in insurances means by that you will get retirement benefit and it will minimizes your risks or help you in protection of risks which may arises in futures. 

3. Buy mutual funds: Mutual fund is a type of collective investment scheme which is pools money from investors for buying stock and bonds etc.  Investing in mutual funds means guaranteed returns or income. It helps themselves who don’t understand financial market clearly. 

4. Buy Bonds: In Bangladesh, Bangladesh Bank two bonds only where it offers this type of schemes for wage earners. So, in Bangladesh bond market plays a very inadequate role here. But neighboring countries peoples are getting more benefits from bonds.  

5. Stock or share business: Investing in some good stocks for quite a long term basis from where they can earn lot of money for sure. Some pension funds are else invested in stocks or shares. Pure lacking of knowledge about stack market here in Bangladesh many peoples are facing unhappy condition like loosing their capital. And in Bangladeshi share market there are quick fluctuations or variations or up and downs in rates, so be careful before buying share.      

5. Saving Certificates: It is a good savings scheme which is sales by the Government through general post office or banks. Now in Bangladesh Government is selling 5 years Bangladeshi Sanchayapatra which is profit taking but quarterly basis. Current interet rates are in between 8% to 11.55% it fully depending upon tenure. Anyone cay buy maximum amount of BDT. (Bangladeshi Taka as currency) 3000000 or a minimum 100000 where Tax source from profit is 10% is applicable. 

On the other hand, the different product is, pensioner saving certificate, this type of schemes you may buy if you are retirement person from government or semi government, ages  of 55 years, tenure of service at least 20 years. Minimum value of certificate is BDT.50,000, profits you can draw after 3 months , for BDT. 100000 you will get interest nearly BDT. 2752.50 only. Source tax is 5% will be considered there as curtailed. If you buy it before 30 June, 2011 then no source taxes will be curtailed as taxes. 

There are another product is family savings certificate, if you adult you can buy it. You cay draw profits after each 3 months, for BDT. 100000 you’ll get 3 months interest BDT. 1005.83 only where 5% source tax will be curtailed. If you buy it before 30 June, 2011 then no source taxes will be curtailed as taxes. 

6. Open your saving accounts (In Banks): Open a personal savings account in a bank and get debit card as well as account number against your saving account and deposit monthly amount of money or for a certain period of time, for the sake of your future usage. This is popularly used by Bangladeshis. Many commercial banks generally offer 12% interests against savings amount.

Take a look benefits for peoples over 60, provided by: http://www.adviceguide.org.uk/index/your_money/benefits/benefits_for_people_over_sixty.htm

Finally, you have to decide which plans or options are best or admissible or suitable for you. All of the above plans are beneficial for all individuals but come to a decision which plans are most appropriate or you are quite eligible to the institutions under conditions provided by them for the time being and then apply that particular plan for you to overcome your future financial benefit. So, meet with one of most trusted institutions for your investment.