Ask Yourself: Are You Relevant?

I have been thinking about this for quite a while. Have you ever asked yourself the question: Am I relevant?

What does it mean to be relevant? When I ask myself this question I think of the people I look to when I have a question. If I reach out for an answer from someone; I must believe in one way or another they have relevance to the answer I want or need.

If I have a problem with my car, in most cases, I typically will not go to my banker for an answer. I don’t go to my banker because I do not feel this individual is relevant to my question. On the other hand, I would not go to my doctor if I wanted an answer regarding a Certificate of Deposit or CD (not to be confused with a music CD). And I would not go to my auto mechanic if I had a back problem.

When we have questions we look to those who can possibly help.

Taking the scenarios above one step further; I might go to my mechanic when I have a back problem if I’m looking for a referral and I know my mechanic recently experienced back problems and the doctor had remedied the situation. My mechanic just became relevant because of recent experience and knowledge of someone who might be able to help me.

The same goes for the other scenarios above; there may be relevance but a different kind of relevance; they may not have the answer, but may have the ability to lead you to the answer.

Now we go back to the initial question. Are you relevant? Do people look to you for answers to their questions? Do they look to you when they need a referral? Do friends, family, co-workers, customers, supervisors, etc. turn to you when they are looking for answers?

For example if you work on a manufacturing line, do people come to you with questions regarding the operation of the line; if so, at least this individual believes you to be relevant. In this manufacturing role; do supervisors or managers ever come to you with questions regarding the line or seeking advice on the operations of the line; if so, you are relevant to even more people and to people who may be higher than you in the organization.

Maybe the questions presented to you are not directly related to your job or maybe they are completely unrelated; meaning you are considered a relevant or reliable source about something other than your day-to-day work. You may have relevance because of a hobby, a sport’s interest, family experience, visiting a certain city or area of the country; whatever it is something where people look to you for answers; makes you relevant.

Why is this important; you may be trying to advance your career and being recognized as relevant can go a long way toward reaching your career objective or current goal? You may be starting a business and relevance to your customers is critical to the success of your business.

The information you possess may make you relevant to other individuals or groups that are attempting to solve a problem and you are able to expedite the process because of your knowledge. These individuals may be prospective customers, suppliers, business partners, or may simply be someone who works – as Malcolm Gladwell identifies in his book, “The Tipping Point” – as a connector; one who brings others together.

Possessing knowledge or additional information makes you special and makes you someone people want to know better, you have become a person of interest.

Uses of Various Personal Loan Types

There are different types of personal loans that are available for individuals and business owners to choose from depending on the purpose of the loan. These loans have been subsidized into various forms ranging from personal commercials loans, personal investment real estate loans, no guarantee personal loan, commercial building personal loans to mention just but a few.

Personal commercial loan is a short term loan that is granted to business owners to either start or improve their businesses. In some countries, personal commercial loans are subdivided into various forms for use in running businesses. Normally, the repayment terms and conditions for this type of personal loan are always 90 days. The loan can either be secured or unsecured, but still it can be granted to various businesses including savings and associations, schools, insurance companies, credit unions, and all credit institutions amongst others.

Another type is the investment real estate personal loan which is short-term for meeting urgent financial need with real property as the collateral. This loan type is usually secured by a mortgage. The loan is granted specifically for purposes of initiating project and development programs which includes all kinds of real estate investment projects. There are many development projects that fall in this category.They include franchise, restaurants and different business premises. In addition, it can also be used to in modernizing existing projects and programs which perhaps lack funds to complete. Similarly, the loan can also be used in large scale projects such as building homes and buying automobiles. It is therefore evident that investment real estate loan has set uses, but though, your business plan will be needed to explain all that you want to spend the money on.

Another one is the personal loan no personal guarantee,which is simply a loan granted without personal guarantee. Building your corporate credit even at the time you do not need it is a very good step forward which puts you in a perfect position of obtaining loan no personal guarantee much easier.

A personal loan is characterized with many benefits. One of its benefits is its ability to give investor an opportunity of owning an asset even without enough funds that caters for its entire cost. Similarly, when you obtain personal loan, it gives you an opportunity of owning a real estate with less risk. Another benefit is that repayment of this loan is relatively easier since it is paid on annual basis.

Considering A PayDay Loan? READ THIS FIRST!

Payday loans can be a lifesaver if it’s truly used for an emergency – only you can decide what’s truly an emergency. Most times something comes up; we freak out and instead of thinking things through and finding other alternatives we quickly react and put ourselves in a worst position than we initially started out; hence the existence of payday loans and car title loans and every other high interest loans available to those with less than stellar credit.

To borrow a payday loan is simple; you typically pay $20 per $100 borrowed or more. The appeal is all you need is a job, proof of employment and a check with a future date stamped on it – easy, right? No hassle, and most importantly no credit check. I’d rather you avoid them completely but if you must please choose one that is with the Community Financial Services Association; an association that provides guidelines that protect the consumer.

The most negative thing about a payday loan are the interest rates/fees! It comes to about 400% interest on a loan! That’s absurd. But if you need your car fixed; furnace repaired, water heater replaced – it suddenly doesn’t seem that bad. The key thing to remember is not to borrow more than you need. The payday loan clerk is a salesman; just because he/she states you can borrow up to $1000 does not mean you should accept it. Borrow only what you need!!! And if they offer you the monthly payment plan don’t fall for it; remember their job is to sell so that THEY can make more money. Pay if off all at once and avoid the pitfall of the monthly payments that make them more money and cause a financial strain on your budget.

So; what if you ignored everything that I’ve just said and borrow more than you can pay back by the next pay period? Well if they’re a member with the CFSA, all you need to do is tell them you can’t make the payment by the due date. As a member of the CFSA, they’ll need to stop all collection activity and give you 4 additional pay periods to pay back the loan in full. Oh, and they can’t charge you any additional fees during this period either. This must be done before the due date; or at least before close of business on the day before the loan is due; preferably in person; and it can only be done once on the same loan. It’s called an Extended Payment Plan. If they deny you or state they don’t offer this; call CFSA directly at 888-572-9329.

Now I must admit the collection activity from payday loan companies are THE WORST! They call your job; threaten automatic wage garnishments, threaten to sue you or file a police report for bank fraud to send you to jail (based on the post-dated check you wrote them); the list goes on and on – and its illegal. State laws govern the collection activities of original creditors; and fortunately most state laws closely follow the laws of the Fair Debt Collection Practices Act so all you need to do is look up your state’s laws on payday loans collection activities and rules. The list is usually found on your state’s Attorney General’s website; your state’s Consumer Affairs website will have some valuable information as well.

Relevance in Internet Marketing

Relevance is the key to Internet Marketing, but relevance to what and to whom? That is what I am going to be illuminating for you in this article.

The easy part of Internet Marketing is deciding what you are going to sell, basically you will pick a niche something that is of interest to you and something which you believe that there is a market for. If you are sensible you will at that point do further research and find out if there are forums relating to the product and what problems and issues people are having and, also the questions and answers they are raising. The next step after you have done this is to build an attractive website and drive traffic to it. It is at this stage that most Internet marketers go wrong. The problem is that they often build a site that is attractive to them, but that does not convert. The problem is they lost sight of relevance. In this case it is the relevance to the visitor that matters.

The average site visitor spends less than 15 seconds on assessing a new site and their eyes travel from left to right and then down the left most column first. You must capture their attention almost immediately and then keep it. This is where relevance comes in to play in a big way.

Your title must be large bold and related (i.e. relevant) to whatever the link was that they clicked on to reach your site for example I sell guitars and my keyword is Play Classical Guitar so they are expecting to see a site that offers them help to play classical guitar. I offer them free sheet music if they subscribe (give me their name and E mail address). The sheet music is relevant to anyone that plays Classical Guitar and I change the music each month so that it is appropriate for all levels of player. The offer is highly relevant and about 6% of all visitors give me this information. If I improve the wording by making it more relevant to my visitors it is possible to get up to 50% opting in, or sometimes more.

The same concept applies to Google AdSense advertising, only this time you have to capture the visitor’s attention in only a handful of words. If you can get a really relevant phrase and use this in the URL your advertisement and on your landing page then conversions will increase. It takes 5 to 6 touches to sell a person on a concept and they are more likely to stay if they recognize the relevance of the site to what they are looking for.

Summarizing we need to keep all aspects of Internet Marketing relevant to our visitor, the advertisement, the articles used to raise interest, the landing page and the call to action if we fail to do this then our visitor may leave and merely increase our bounce rate. I hope you see the need for relevance.

The Truth Behind The Network Marketing Industry

The Multi Level Marketing (MLM) Industry popularly known as the Network Marketing industry, is indeed a very simple and profitable industry but sadly with a lot of negative feedback. The truth is that you can make a lot of money in the MLM industry. A lot of ordinary people have built businesses that provide passive income streams for them and their families and friends, who are in their network for life! The beauty about having a business that provide passive income streams is that you can get to enjoy life doing whatever you want or decide. All that is required is a few years of smart and dedicated work. Today though, this has been made a lot easier as some MLM companies have gone online. There is an MLM company today that operates entirely on an e-commerce platform! This means that you can reach more people using your website or social media to sell almost any product and to anyone anywhere in the world. The network marketing industry is a $167 billion industry churning out millions having huge passive income streams.

I am a partner with one MLM firm that is a 100% e-commerce based here in Nigeria. This means that I can actually do the business from home. With proper application of e-commerce concepts, you can indeed earn a stream of passive incomes for life! This is however not a get-rich-quick scheme. Success in the MLM industry entails following a set of professional guidelines and being consistent. Many people in the MLM industry fail to apply basic guidelines needed to start and grow their own MLM business. Many fail to realize that their MLM business should be handled as a real business where you will be required to recruit a team of people that believe in your mission and vision.

The network marketing industry is a 167 billion Dollar industry and about 91 million people are involved in the network marketing industry around the world today. The industry is now booming in the rest of the world because it is almost the only recession proof industry! During the economic recession that occurred in the world in 2008 and 2009 and the one before that in 1998, it was the only Industry that was growing. While other industries like the automobile and financial industries were either collapsing, downsizing on the number of employees or cutting down salaries, the network marketing industry was getting larger. This is why a lot of people have shifted to Network Marketing.

Even great men and thinkers are beginning to endorse the MLM business model. Bill Gates has been quoted saying that if he had another chance to start up, Microsoft would have adopted the network marketing model. Little wonder the Network marketing Industry continues to grow at an unexpected rate. This is especially true in the United States that recorded a growth from $13 billion in 1992 to over $132 billion in 2010; more than 82 million new people have joined the Network Marketing Industry in the past 20 years! In fact, it is now estimated that over 15,800,000 distributors in the United States alone now participate, full- or part-time, in Network Marketing-and these numbers continue to grow.

After 20 year, the Network Marketing Industry still fits today’s hot trends-home-based businesses, entrepreneurship, and self-reliance-and in Nigeria, the growth is beginning to catch up with the rest of the world. My articles continue to educate its readers how they too can move beyond economic security to economic prosperity by taking advantage of this wealth creating industry.

Feel free to find out if Network Marketing is right for you. Learn how to select a company, and how to begin your own home-based business, using the skills and resources you already possess because, after all, it’s still your future!