ARTICLES/ARTICLES/ARTICLES
These articles are all written by well qualified authors of internet 
marketing, website design, motivation, etc.  Each edition of this
article page will contain articles by different authors to give YOU
a diversified, unique, and well-rounded netpreneur education.

New Friends Online? Check Them
Out Before Getting Too Close

The Internet has become one of the latest places to meet people. Whether you are looking for a casual friend or a romantic interlude, it can all be found on the worldwide web. Places like Facebook and Myspace give you a forum to express yourself to others, and the number of matchmaker sites these days is overwhelming.

If you have ever spent any time meeting and greeting on the web, you know that most people are not exactly what they make themselves out to be. Some of them have gone so far as to create an entire alternate identity.

Despite the dangers, the rewards of meeting online can be great. You have the opportunity to get to know others from all over the world. You make new and interesting friends from places you may never have visited.  It provides an excellent opportunity for us to share our cultures and open our minds to new possibilities.

Who is really behind that screen name?  

When you make new friends online, how do you know if they are trustworthy?  Can you really afford to get close to them, or are Internet friendships best kept very casual?

As with any new relationship, go slowly and proceed with caution.  Keep the topics of conversation neutral and safe – never discuss anything personal with someone you do not know. Be instantly suspicious if your new friend begins questioning you about your finances.

If you have been conversing with someone for a while and feel a connection, you may decide you want to take the friendship a step further. You may begin to share more personal details of your life, or you may begin making plans to meet each other in person.

Take smart measures to protect yourself.

Before taking this step towards increased intimacy, be sure to reasonably protect yourself.  First of all, try to validate your new friend’s identity and ensure they really are who they say they are. Search records from the Department of Motor Vehicles in your friend’s area and see if you can locate a license or identification card that matches the name, date of birth, physical description, and address of your new friend. If you cannot find a matching motor vehicle record, try voter registration records.

One of the best ways to protect yourself is to conduct an online background check of your friend. Any court documents from judgments, divorces, or lawsuits should contain some sort of identifying information you can verify.  Criminal history checks will normally provide you with a date of birth and physical description, including any major scars or tattoos.

There are also specialized background check companies, such as Net Detective, who for a small fee, give you the ability to search all of the above records and more. You must do a little sleuth work of your own, though, and find out some important key identifiers from your new friend so you will know when you have found him or her.

Meeting on the Internet can be exciting. You must just ensure you go about it prudently, and protect yourself until you have solid facts reinforcing your ability to put your trust into your new friend.

How To Be A Successful eBay Seller  
by Jay Juno

However, before you start selling on eBay, I highly recommend that you start by buying on eBay. If you understand how the site works as a buyer, you will quickly get a feel for the place as a seller. Learning through actually doing, has always been more successful than reading. Better still, by starting off as a buyer, you will get your feedback score moving, hopefully in the right direction. Having some feedback from your trading partners, before you set up as a seller, is an extremely good bonuses. Buyers want to know that the seller they are buying from is trustworthy, reliable and has some feedback.

Once you have a few buying experiences under your belt and you have your stock lined up, make sure that you accurately cost how much it will cost you to sell an item. That means every cost, both Seller's fees and PayPal fees. What a lot of new sellers forget is to cost in their offline fees: taxes, insurance, postage and most of all a percentage for your profit. You should also factor in the costs of returns, damaged and faulty items.

When it comes to writing the actual listing, you should consider as important as a bricks and mortar shopkeeper laying out his shop to sell his stock to the buying public. You want to entice someone to click on your listing and then you want them to buy.

Write a title that will get your item noticed. Too many inexperienced sellers list items with titles like: "L@@K" Writing a title like that is a complete waste of the character space that eBay gives you in order to write your title. The space is limited, don't waste it. You should be putting keywords in your title i.e. if you are selling a "Prada bag", then make sure you get "Prada bag" in your title so that anyone searching for "Prada bag" will have your listing come up. To save on character usage within the title bar, use the recognised abbreviations i.e. "BNIB" Brand New In Bag/Box; "NR" No Reserve; "BN" Brand New - if you are stuck and you have no idea what something means, go to the eBay forums and ask.

Your description should be contain information that will help anyone viewing your listing to decide whether your item is for them. First and foremost, it must be accurate and honest, anything else and your career as an eBay seller will not last long because your feedback score will quickly put other potential buyers off.

Study the listings of successful sellers who are selling in your area. You will soon see find them and as in any business, it pays to study just what your competitors are doing and how they are doing. Your job is to beat them and go on beating them.

SOME THINGS TO INCLUDE IN YOUR LISTING:

1) What you are selling

2) The dimensions or the size of your item

3) The condition of your item BN or USED? If it has any damage, say so

4) The material it is made of

5) Any special history?

You should also include some really clear pictures of your item. The more pictures you can include the better. However, only the first picture in your listing is free, eBay will charge you for any more pictures and will also charge you for a gallery picture. If you have your own hosting, then you can host your pictures off the eBay site and then upload them to your listing.

Mention how long it will take you to ship the item once you receive cleared payment. Avoid making promises that you cannot keep. If you ship twice a week, give the days that you ship. If you say that you will ship the same day you receive cleared payment, then do so. Your buyer will reward you with good feedback if you can ship quickly!

You should have already worked out your shipping costs. You can find shipping information online very easily, simply weigh the item, with packaging, and work out the cost. Your shipping costs should also include some costs for packaging materials. Bear in mind, if you put down the wrong postage and packaging fee, you cannot change that figure once the item is sold.

About the Author:

I was an eBay Powerseller for years, for more information to avoid the sharks that prey on eBay sellers visit http://buywholesaledesignerclothes.com/

Why Everyone Needs a Home Business  

This may be a decade of tremendous corporate profits and economic growth, but for the vast majority of North Americans, the `90s were a dismal, uphill climb. And many economists believe that this next, new millennium won't be getting better any time soon.
 
Why?

Changing business and government attitudes are the reason. There has seemingly been more anti-business legislation in the last decade than in any other this century. Stronger employment and labor laws, the Age Discrimination in Employment Act, safety laws, much tougher laws for discharging workers, more liabilities for lawsuits, Disabilities Act (which is creating immense numbers of lawsuits), along with higher minimum wages and fringe benefits.

Just reading this list is exhausting.

While these acts have beneficial and protective aspects, they have also encouraged businesses to move their facilities. That "sucking sound" popularized by Ross Perot is not just down to Mexico, but elsewhere as well. The result has been a dramatic loss of heavy industry in Canada and the US.

The young and the middle-aged alike are realizing that their dream of "having a job with a company forever" is an illusion. Companies have been downsizing, rightsizing and capsizing for some time now, and they continue to do so--more now than ever before. Even the federal and provincialgovernments are getting into the act with layoffs and attrition of jobs.

In addition to all this uncertainty and mutual lack of loyalty between companies and employees, even the workers who do keep their jobs have no guarantee of promotions due to the shrinking number of management positions. These circumstances aggravate the already tryingly long commutes in rush hour traffic and increasingly typical frustrated boss--spelled backwards, that double S-O-B.
 
Finally, if all this isn't bad enough, under recent tax laws employees are shafted more than ever with limits and thresholds for their employee deductions and higher social security tax limits. This results in more couples working than ever before and, on many occasions, working at more than one job. It is now almost impossible to have only one job in the family and make ends meet! Today, many households need three incomes just to survive.

Sadly, even having more than one job does not produce any major positive effect on most people's bank accounts. Why? Because of tax laws. This was well illustrated in 1994 by Jane Bryant Quinn in her Woman's Day article on "How to Live on One Salary."

Where The Money Goes:

Ms. Quinn's example assumed that a man was earning $40,000 per year. His wife (we will call her Lori) wasn't working. They had more month than money. (Sound familiar?) Lori subsequently got an administrative job for $15,000 per year. You would think this would improve the family's financial situation, but when Ms. Quinn examined the economics of getting this extra income, the results were startling!

Lori had to pay federal and provincial taxes on her new income. Since they filed jointly, the family's combined income was what established their tax bracket. She paid $4,500 in new taxes, most of which was non-deductible, for federal and provincial income tax.

Lori had old age security withheld from her paycheck at the rate of 7.65 percent, which amounted to an additional nondeductible amount of $1,148 being extracted from her salary. She also had to commute to work 10 miles a day round trip, which is probably conservative for most people. This resulted (in 1995) in nondeductible commuting costs of $696.

Lori also had some child care expenses, which give a partial tax credit. Ms. Quinn figured that the amount spent over and beyond the tax credit was $4,250 per year.

Lori also ate out each day with colleagues, spending an average of $5 per day, five days a week. This results in a nondeductible expense of $1,250 a year. (I would love to know where she ate for only $5.)

Now that Lori has a job, she has to have professional clothing--this means a hefty dry cleaning bill. Ms. Quinn assumed that Lori's increased expenses here amounted to an extra $1,000 per year, nondeductible, of course.

Finally, with both spouses working, Lori wasn't in the mood to cook dinner every night. They bought more convenience foods and ate out more frequently. This resulted in increased food costs of a nondeductible $1,000 per year at minimum.

Add it all up and Lori's take-home pay was a paltry $1,156 a year, for which she had to put up with a daily commute, an unpleasant boss and corporate hassles. (See the following summary of all these numbers, so you can do the math for yourself.)

(1) Gross Income: $15,000 
(2) LESS State and Federal Taxes -$4,500
(3) Social Security Taxes -$1,148
(4) Car Expenses -$696 (at 29cpm-50 miles a week)
(5) Child Care -$4,250
(6) Lunches at the Job -$1,250
(7) Business Clothing & Drycleaning -$1,000
(8) Higher food expenses -$1000 (eating out, snack foods)
(9) Net take-home pay: $1,156

No wonder more and more people are starting home-based businesses. In fact, there are currently an estimated 30 million people working from their homes. This number is expected to more than triple, to 97 million, by the year 2000, and to keep on growing. This has become and will continue to be one of the greatest mass movements in the U.S.

Why a Home-Based Business Makes So Much "Cents"

There are many reasons why so many people are favoring home-based over traditional business.

There is no commute (unless you have a really big home), no boss, little if any chance of lawsuits, much lower overhead, no employees (or few), and far fewer government restrictions. In fact, many of the laws previously cited don't apply to small firms with few or no employees. It is for these reasons, according to Entrepreneur magazine, that 95 percent of home-based businesses succeed in their first year and achieve an average income of $50,250 per year with many earning much more.

If everyone in the U.S. who is employed full-time got a part-time business and used the strategies I suggest, each employee could easily reduce his or her taxes from $2,000 to $10,000 each year.

There are really two sets of tax laws in this country. One is for employees, and it allows deductions for individual retirement accounts, 401(k)s (if you have one set up by your company), interest and property taxes on your home (which some in Congress want to do away with), and charity. Then there are the laws for home-based business people who conduct their business either full- or part-time. They can deduct, with proper documentation, their house, their spouse and even children (by hiring them), their business vacations, their cars, and their food with colleagues. They can also set up a pension plan that makes any government plan seem paltry by comparison.

For Lori--and for you--the meaning of all this is simple: Lori earned $15,000 in salary as an employee, but took home only $1,156. She could have netted the entire $15,000 had she earned it in a home-based business! This is an increase of almost 13 times her take-home pay as an employee.

Notice that Lori is not spending dramatically more money than she is currently spending. She would eat out anyway, go on trips and drive her car the same as before. By having a home-based business, however, many of her expenses become deductible. This concept is known as "redirecting expenses." With a home-based business, she can now deduct some of the expenses that she is incurring anyway.

Renegade Strategy: If you don't have a home-based business, start one!

In addition to all the benefits mentioned above, Congress will subsidize you while you are growing your home-based business. If your home-based business produces a tax loss in the first year or so, you can use that tax loss against any other income you have. It can be used against wages earned as an employee, dividends, pensions, or interest income--or you can use the loss against your spouse's earnings if you file a joint return.

If the tax loss exceeds all your income for this year, no problem. You can carry back the loss two years and get a refund from the IRS for up to the last two years of income taxes paid, or you can carry over the loss twenty years. You read it right: You can offset up to 20 years of income!

Here's an example:

Mike earns $50,000 in a job with the government. If he starts a home-based business that generates a tax loss of $10,000, he only pays tax on $40,000.

Renegade Tip: You can never lose a properly documented business deduction.

In fact, if everyone in the U.S. who is employed full-time got a part-time business and used the strategies I suggest, each employee could easily reduce his or her taxes from $2,000 to $10,000 each year. If all employees in the U.S. did this, the tax bite of the IRS would be reduced by a whopping estimated 300 billion dollars annually. Of course, Congress would have to change the laws for this to occur.

Renegade Strategy:  Get LUCK: Labor Under Correct Knowledge.

Can You Succeed In a Home Based Business?

Research has constantly shown that it is rarely the business that determines success or failure. It is usually the business owner. Why does one person succeed and another fail at the same business?

Two words--Knowledge and Action.

Some people want the benefits of having their own business, but they don't take action. The result is business failure.

Then there are the people who are always working. They take action all day but still fail. The reason is that they are not taking the correct actions, the knowledgeable actions, that will bring the desired results. Again, business failure.
It's like drilling for oil. If you set up a drilling rig in your back yard, it is going to fail at producing oil unless your back yard is in Texas or Alaska. The same rig in a good oil field will produce a gusher, because it was placed where oil was known to exist.

The point is that most people who get excited about starting their own home-based business do so without all the necessary knowledge. Consequently, many people quit before they acquire, through experience, the knowledge they need, without realizing that they are getting substantial tax breaks. This leads to another strategy. . . .

Renegade Strategy:  Learn to duplicate the success of others.

Duplicating the strategy of others is much quicker and more effective than going to the school of hard knocks. It is also known as modeling, which is well-illustrated by the way The McDonald Corporation blazed a trail to success that many have since followed.

In the early 1950s, McDonald's and other start-up companies discovered that they could grow many times faster than the conventional firms through franchising. Instead of the company investing millions of dollars to build new stores, they let independent franchisees do it for them.

It seemed like a great idea, but at first no one figured out how to make it succeed on a consistent basis; therefore, the media attacked relentlessly and continually. News articles featured destitute families who had lost their life savings through franchising schemes. Virtually every state attorney general in the U.S. condemned the new marketing method. Some congressmen even tried to outlaw franchising entirely.

Over the years, however, Ray Kroc and his management team at McDonald's developed a turnkey franchise business system that produced consistent results for virtually anyone who bought a McDonald's franchise. The newfound success--from the system--turned public perception of franchising around. Today, virtually every franchise business models--to some extent--the franchise business system created by McDonald's, making franchising one of the most respected ways of doing business in the world.

Modeling is simply learning what other successful people have done to achieve success in a specific area, and then doing the same thing. Someone said that "education is the shortcut to experience." With modeling, you literally leverage your own learning with the collective years of learning through experience of many others. Modeling the success of others saves both time and money and reduces frustration and stress.

The light at the end of the tunnel, for you and millions of others today, is the financial opportunity that starting your own business offers. If you have one going already, then make sure you are enjoying the many financial advantages to which your smart choice entitles you. The tax advantages alone can make a home-based business the single best financial move you could ever make.

Summary:

Job prospects are declining and will continue to do so. Promotional opportunities to management within major companies are also shrinking. Traditional businesses have higher risks than those associated with home-based businesses.

You will never get rich unless you reduce your taxes to the legal minimum. Everyone should have a home-based business immediately! You can never lose a properly documented business deduction. If necessary, you can always carry business losses three years or carry forward all business losses twenty years.

SANFORD C. BOTKIN, Attorney, Certified Public Accountant, is Chief Executive Officer and Principal Lecturer of the Tax Reduction Institute, a tax education company located near Washington, DC. During the past ten years, Mr. Botkin has taught more than 50,000 taxpayers how to save more than $300 million on their taxes with his Tax Strategies seminar, Tax Reduction Diary System, and his instructive tape series, Tax Advantages For Your Home Based Business. Mr. Botkin has extensive financial and legal experience, including five years as a legal specialist in the Office of Chief Counsel for the Internal Revenue Service. He was also one of eight attorneys selected by the Internal Revenue Service to train new attorneys to the Internal Revenue Service's Corporate Tax Division. Mr. Botkin is a member of the Florida Bar Association and the Florida Institute of Public Accountants.

2 Beliefs Essential For Success
by Gordon Bryan

Want To Move Forward To Success?
Well neither of these will happen in a month of Sundays without
belief.

I always harp on about attitude being the magic word, and belief
is one attitude you MUST have.  Not only that, but there are TWO
types of beliefs needed!

The first belief is that it will happen.
Whatever your goal is, however you want to improve your life,
whatever wealth you want, in order for any of it to come true, you
need to believe that it *will* happen.

You need to know this for a fact, not just some wishy-washy hope
that it would be nice, but know for a fact that it can and will
happen to YOU.

The second belief is in yourself as a person, and your right to 
succeed and enjoy abundance. 

Abundance is all around, but most people do not tap into it, they
don't grab their fair share, because they just don't believe.

They either feel they are undeserving of the good things, or they
believe that something or someone will wreck their plans.
Can you guess who that 'someone' is, that will wreck your plans?
... Yourself!!

Without the two cast-iron beliefs firmly in place, you will not see
your plans through, you won't go that extra mile, you won't be
prepared to pay the price.

You ARE worth it!
You, me, all of us, we are individuals making our own way thru
the journey of life. Each of us is a worthy person, and fully deserves
to enjoy life, whatever that may mean to each of us.

As one of your affirmations, tell yourself that you are a strong
and worthy person, and your 2 beliefs will be nicely in place to
support your efforts all the way.

You will believe that you are worthy of the success, and you
will believe you have the strength to overcome any hurdles.

About The Author:
Gordon Bryan's new book, 'Transform Your Life in 21 Days!
has been described as 'a must read', 'awesome', and
'a true gem'.  If you liked this article, see the book for yourself
at:  Transform Your Life In 21 Days