Black Education – Have We Made Progress?

Black education can use the rich fertilizer of African proverbs. Here is one from the Mafa people of Cameroon, northern Nigeria, and southern Niger: Nobody kills an ignorant person who begs for wisdom. This comes from a culture where even accepting a gift without first refusing it could be considered as begging, and, therefore, disgraceful; yet, humbling yourself to learn something that you should have known in the first place is ranked above prideful ignorance.

I’ve thought about this proverb a great deal, especially concerning those black people who hold the highest academic degrees. It is a great achievement to go through the rigors of Western education and excel. Thanks to integration, this leaves black people open to participate in not only the Western economy and political arenas, but also certain levels of the Western social sphere.

Still, I cannot help thinking about the Jews and how well integrated they were into German society before World War II. Like African Americans, they were judges, doctors, professors, artists, etc. Many of them had disassociated themselves from their cultural and religious heritage just as Westernized black people are doing. Not believing themselves to be like other Jews who had not risen to socially acceptable heights, the Westernized, assimilated Jews may have been more vulnerable to voting for the very laws that would later send them to the concentration camps.

Western education, the basis of black education, systematically teaches that white scholars were the first to discover the way the world and the universe works and that white people have made the greatest contributions to society. This is systemic racism.

Why does this matter? Because you must first deny yourself in order to accept this premise. Look at the price the Jews paid for this self-denial. How many ended up in concentration camps before they rediscovered who they were?

Today, out of all other countries in the world, the United States has the largest percentage of its population in jail or tied up in its legal system. According to a Bureau of Justice Statistics report, surveying prisons, at year end 2008, 7.3 million American adults were under correctional supervision. China has only 1.5 million with four times the population of the U.S. and Russia has less than one million. African Americans, who make up officially 13 percent of the U.S. population, make up nearly one half of the U.S. prison population.

Even more about the state of blacks in America, by far, black people (even educated blacks) die at higher rates than others in the population from common diseases such as cancer; black children seem destined to kill one another faster than they can replace themselves; and, great-grandmothers are raising their great-grandchildren because both grandmothers and mothers are dead, on drugs, or in jail. Great-grandfathers, grandfathers, and fathers statistically are just absent, mostly for similar reasons.

The best source of this information is in a public school. Just teach at an inner city school for even a short while and you will see what our children are enduring far more so than those in other races.

Many educated black people are oblivious to these problems or are more prone to blame those who are suffering for making bad choices, thanking God that they are not like, “those people.”

Westernized black education discounts the psychological effects of slavery and segregation and their legacies upon the black psyche today. For many educated blacks, the extent of their compassion is to tell suffering blacks to “go get a job!” This discounts the 100 percent employment rate of slavery and the fact that it was illegal for black people to be unemployed during segregation. This dismissive attitude among many educated blacks also discounts the fact that during slavery, blacks were not the recipients of the fruits of their labor and that most blacks during segregation made only enough to keep them in a very sick state of debt, not by choice as many educated blacks live today, but by necessity.

It seems highly likely that blacks educated only under the Western educational system forget that having the right to control their own money and participate in both the economy and social spheres of this country are advents newly granted. Furthermore, these rights are subjected to the whims of American laws, which, for the benefit of black people, have been extremely fickle. On average, we can expect a major change about every 50 years or so and the tide is turning. Although there was a slight decrease in prison rates during 2008, statistics show that since the 1980s, prison incarceration rates are growing exponentially.

How does the above proverb fit into this?

Does wisdom suggest that the date on a calendar heralds progress?

Does wisdom suggest that the ability to effectively participate in an economy which consumes the earth’s resources to extinction at the price of human rights demonstrates progress?

Does wisdom suggest that abandoning your self-hood to gain acceptance in social spheres built upon a foundation that crushed the humanity of your ancestors verifies progress?

Does the Westernized educational system promote wisdom or “progress”?

If Western education does not promote wisdom, then might not Westernized, black education increase your ignorance?

Nobody kills an ignorant person who begs for wisdom.

I hope that we African Americans discover that this African proverb is true.

Willow House Review – Is Willow House A Legitimate Home Based Business?

In this Willow House review, I will be taking a closer look at this company to provide you with the information that you will need to make your home based business decision. Who is this company? What is it exactly that they offer? Is Willow House the best business choice for me and my family? These are the questions that I intend to help answer for you in my Willow House review.

Willow House is a company that offers products related to home decoration, entertaining guests, and organizational solutions, allowing you to come home to an appealing, fresh, and organized home after your long day. They also offer seasonal products to give your home that holiday look and appeal. They feature a full product catalog with a multitude of stylish products that will give your home the makeover that you desire.

Willow House offers their products through a large network of Design Consultants, representing the multi-level marketing (MLM) business opportunity that they are becoming well-known for. Design Consultants are given the ability to set their own schedule, build their business on a part-time or full-time basis, and ultimately decide for themselves how much money they desire to bring home.

The cost to become a Design Consultant will be a cost of $199. For this price, you will receive 18 products with a retail value of more than $550. Willow House will buy your first tank of gas each month, giving you savings of $50.

When I conduct my research for my company reviews, I strive to provide as much information as possible pertaining to a company’s compensation plan. Willow House, however, does not offer this information to the public. You will need to contact a Design Consultant directly to learn more about how their compensation plan will benefit you.

Willow House is a multi-level marketing business that utilizes traditional methods involved in network marketing. Meaning, you will be encouraged to contact family, friends, neighbors, and close associates to build your business. Your mission will be to contact your warm market to encourage them to host a party of their own, and invite their family and friends to attend.

Hostesses are incentivized to open their home for these parties, as they will receive free products and deep discounts that are based upon the amount of sales that you achieve in their home. At this party, you as the Design Consultant will showcase the products, and accept orders. You will schedule your next home party with any willing future hostesses, and recruit new Consultants to join your business. The training that you will receive from Willow House will be limited to these practices.

In my opinion, Willow House is a legitimate company that offers a wide selection of products in a fun party atmosphere. However, when making your business decision, it will be important to take into consideration the challenges of encouraging your loved ones to host parties, purchase products, and join your Willow House business.

For someone who has the expertise to market this business outside of their small network of family and friends, they can do really well. With that being said, Willow House is a solid opportunity to partner with if you have a strong desire to build this business, and have a passion for the products that they offer their customers.

As always, I wish you the best of luck in your search for a home based business for you and your family.

Legitimate Home Based Business – The Key Principle That You Must Know

Before joining a home based business the smart thing to do is to look up as much information as you can on the different businesses that interest you in order to find a legitimate home based business. There are many of them out there but it just takes time to find one so you must be willing to dedicate the time necessary in order to do so. This article will illustrate the key principles that you need to know about this kind of business and how would it even help you to be successful.The key principle that you need to know about a legitimate home based business is that it has been around for a long time and it has shown that is not going anywhere. The number one fear that many people have when it comes to the home based business industry is that a lot of the companies are not going to be around because they are not real.This is why is very important for you to find a legit business because it will give you the guarantee that it has proven itself and it’s going to be around for quite a while. I definitely understand the fear that people have because the last thing you want to do is work hard at something and have it disappear out of nowhere.But you must understand that there is a risk in everything just like it is in your job. If you really think about it for a second you’ll realize that there’s a lot of people that get fired for no apparent reason even if they have been for years in the company. But like I mentioned before being in a legitimate home based business is you a little more peace of mind.

A Smart Home Based Business Focused on Educating Novice Entrepreneurs How to Sell Anything Online

The home based business industry is just about at the verge of exploding with so many new and pre-existing opportunities available. From vitamin supplements, to energy drinks, to telecommunications, everywhere you look online there is a supposed moneymaking opportunity trying to lure you into joining.Many new entrepreneurs that have began and are a part of a home based business don’t quite seem to fully enjoy their business and don’t seem to have the faith in the product or service they offer. This is just one of the reasons why so many in the home business industry fail. In fact, 97% of those starting an online business fail.Now you are probably thinking to yourself as to what this smart home business mentioned in the title is and why it is considered “smart.” In this industry as in any industry, the ability to expose the product or service you offer as a home business owner to a qualified audience is the only way to becoming successful in your efforts.With all the excitement of starting a new business, many tend to forget just how they are going to get the word out about this new business venture and run off pure adrenaline. Unfortunately, that adrenaline wears off quickly as soon as they realize the commitment they are going to need in order to make their home business opportunity a success.Regarding this new “smart” home business, your ability to get you product and/or service to a worldwide audience, qualified to purchase what you have to offer or become your new business associate, can ACTUALLY be achieved from the comfort of your home.How is this possible? Let us go further into how this is possible and believable.The Smart Home Business Concept:1. Support – Even as a child, we question any and every possible reason why something is so. In addition, the ability to receive an answer is crucial in determining our next move. Therefore, made readily available for any experience level is a live support center that will get your questions answered in a timely manner.2. Wikipedia-based training – Most of you are familiar with, an online version of an encyclopedia. This “smart” home based business has just recently created their entire training, which is similar to a 4-year college course, in a Wiki-format. This will allow you to find a topic you would like training on and specifically choose a sub-topic that will target the specific area of knowledge you a looking for.3. A Commitment To Consistent Updates- Hourly, daily, weekly, and even monthly training calls and webinars that has kept its member far ahead of their competition regarding ways to get the worldwide exposure needed for their business.4. Various Training Modules – There are 23 to be exact. All designed to give the home business owner everything they would need to bring qualified leads and sales, generating a very lucrative profit online.5. Automated Qualifying and Selling – Never in the home business industry has there been such a system in place to pre-qualify leads, close sales, and communicate directly to new prospects and customers as there is with this “Smart” business. All the home business owner has to focus on is consistently getting their product and/or service to the worldwide audience.6. Sell Your Product or Start A New – This platform has been designed with the ability to sell anything, to anyone, anywhere in the world. Just as a business owner can sell a service, they can also sell products as simple as socks to anyone, anywhere. In addition, for those seeking to begin a new business, an education product is available to market online with a very lucrative compensation plan.7. Tracking of Your Efforts – A home business owner can keep track of all their efforts to drive traffic to their business with a tracking system that allows for knowing exactly where their efforts would need attention.For even the individual not familiar with using a computer and the internet to sell, this “smart” home business has educated new entrepreneurs to becoming financially free with no previous sales experience.Get more information on this home based business and learn how you can finally rest your efforts to find a legit solution to your biggest problem, making more money.Pablo Gonzalez, Professional Online Marketer and Expert Author

Marketing Xocai Chocolate in a Home Based Business

You’re looking for a home based business idea, and now you’ve found it. What could be better than selling a product with real benefits to your customers? You’ll be so happy to share samples, because someone may offer you a bite!Xocai healthy chocolate can now benefit you in two ways. First, the health benefits of Xocai dark chocolate are scientifically proven. Second, you can now learn how to promote Xocai chocolate through a home based business idea that was created by MXI. Once you’ve started this business, it continues to grow through good and bad economic times.Some home based business ideas sell products that customers find are too expensive or they figure they can do without. Ask yourself this question: Are health and nutrition ever going to go out of style? Will there ever be a time when customers think this awesome product isn’t worth what they’re paying for it? The answer is no. Xocai healthy chocolate may be chocolate, but it’s a luxurious, nutrition packed vitamin pill, too. It will always be worthwhile for your customers to reorder.Admit it. Some home based business ideas you’ve looked into have products that you yourself might not buy. If you can’t see yourself using the product, then how do you promote it? You can’t. The first step in starting a home based business is to find a product you’ll use and love, so you can carry your passion to your customers and associates. Xocai healthy chocolate is a product you can believe in. It’s simple and powerful. The health benefits are scientifically proven. The plan is simple to use, simple to sell, and simple to find others who will feel just as passionate as you feel.Yes, it takes a little time to build any business, and you must use the tools you’re given in order to be successful. Perhaps you’ve tried other ideas and found them too complex. If you’re confused, your customers and potential associates will be confused as well! That’s why Xocai healthy chocolate could be absolutely a good home based business idea. The product and pay structure are simple. You spend your time talking to people and networking instead of figuring out complex ideas. There’s no “hard sell” in this business. You schedule your networking time around family and friends or through internet marketing, and all the hours you spend promoting Xocai healthy chocolate produce wealth, not frustration.All home based business ideas talk about unlimited personal income. Sometimes you look at those plans and wonder how long it will take you to get to the top, and whether it’s really possible. The program for Xocai healthy chocolate is very different. Give it a try and enjoy a home based business idea you and your friends mostly appreciate by its products and its simplicity. The advantages of owning your own business provide invaluable experience and a path to passive income in the future.

Property Glossary ( UK )

AcceptanceWhen you are offered and accept a mortgage offer from a lender this is what you need to sign and return.APRStands for ‘Annual Percentage Rate’ relating to interest on a loanApplicantThe term used by an estate agent to refer to you when you are a potential buyer of a property.AppraisalWhen selling your house an estate agent will ‘appraise’ your property to determine a current value for it.Arrangement FeeSome lenders may ask for this fee for providing or ‘arranging’ a loanAssignmentThe transfer of ownership from one person to another. For example if you buy a leasehold property ownership is ‘assigned’ to you via the contract.Base RateThis is the lowest rate of interest a bank will charge when it lends you money and is used as a benchmark to set interest rates for borrowers. This rate set by the Bank of England and is reviewed several times a year. Lenders will charge borrowers a margin above the base rate.Bridging Finance/LoanYou may need ‘Bridging Finance’ if you are buying a new property before selling your current house. This is to ‘bridge’ the gap before you have sold your property so as to complete the buying process of your new property before selling your existing home.BrokerThis is a person who advises on mortgages and loans, known as a ‘mortgage broker’Capped RateThe maximum set interest rate you will pay on a mortgage for a set period of time. This means that the interest rate cannot go higher than the capped rate during the specified time period, usually the first few years of the loan.ChainThis refers to a sequence of buyers and sellers. Most people who sell their homes are also buying at the same time. There can be a ‘chain’ of several buyers and sellers, each dependent on each other for the sale and purchase of their new homes. If one buyer or seller drops out the whole chain may collapse, leading to a domino effect where the paperwork for several properties is delayed or cancelled altogether.Chain FreeThis is when the owner of property doesn’t need to sell the property in order to buy another, thus it is offered chain free.CollateralYour house is ‘Collateral’ when used as a guarantee you will repay a loan to your lender. If you do not keep up with repayment your house could be sold by the lender to get back the money they have loaned you.CompletionThis is the final stage of the property buying process – when the agreed sale price has been paid by the buyer to the seller. Legal ownership has been transferred from the seller to the buyer of the property.Contents InsuranceThis insurance is taken out to cover/protect personal belongings that are in your home.ContractThis is the agreement that once signed by the buyer and seller binds both parties to the sale and purchase of the property.ConversionThis can refer to a property that has had the loft converted into a room, or a house that has been converted into flats.ConveyancingThe name of the legal process that transfers property ownership from the seller to the buyer.CovenantA requirement by law on the owner of a property to either do or not do something with their property.CAMStands for Current Account MortgageCCJThis stands for County Court Judgement. If you have a judgement against you for defaulting on a debt it may mean you are turned down for future loans or pay a higher interest rate.DeedsThe legal documents regarding a property.DefaultThis is a term used when you do not do as you agreed, eg. failing to make a mortgage payment. If you fail to make mortgage payments (or default), your home could be repossessed.Delayed CompletionTypically completion takes less than 28 days after the exchange of contracts. If it takes place after 28 days then it is called ‘delayed completion’DepositIn terms of mortgages a deposit is the initial lump sum payment the buyer contributes towards the total purchase price of the property.DisbursementsThis is another word for the legal costs involved with purchasing a property.Discounted RateThis type of mortgage has an interest rate lower than the lender’s Standard Variable Rate (SVR).Early Repayment ChargeThis is a charge or ‘fee’ payable if you pay part or all of your mortgage off earlier than agreed. This is used to compensate the lender for interest that would have been paid if the mortgage had run for the full time period agreed.Equitable InterestWhen a person has some legal rights to a property but not including sale of the property.EquityThis is what you actually own – it is the difference between the market value of your property and the amount of the loan you still owe to the lender.Exchange of ContractsThis is the point at which the buyer and seller are legally bound to complete the sale.Execution OnlyA service with no advice, just carry out the orders of a customer.Fixed Rate MortgageA mortgage which has a ‘fixed’ rate of interest for a set period of time.Fixtures and FittingsThese are items in a house that are included in the sale. For example lighting fixtures, carpets and so on – these should be agreed / confirmed before a sale.Flexible MortgageAs the name suggests this mortgage is flexible in terms of how you pay the loan back. An example could be that it allows you to make overpayments or pay off your mortgage early.FreeholdComplete ownership of a piece of land and the property that is on it.GazumpingThis is when a vendor (seller) accepts an offer but later rejects it to accept a higher offer by another buyer.GazunderingThis is the opposite of gazumping – when the buyer threatens to pull out just before the exchange of contracts if the price is not reduced.GearingUsing loaned funds to progress investments. For example, buying a house with a small deposit and the rest with a mortgage and then selling the property on at a higher price, making a profit.Ground RentThis is rent paid annually by the leaseholder of a property to the owner of the freehold. Usually it is paid to the owners of the land on which the property/properties are built.GuarantorA person who agrees to guarantee that they will pay a debt or loan if you default on payment.Home Information Pack ( HIP )Also known as a ‘Sellers Pack’ this will be a mandatory Survey from the 1st of June 2007 to be produced by a home owner or selling agents via a home inspector before a property can be put on the open market. The aim is to help improve the process of buying and selling a home, it is part of the conveyancing process and will include detailed information about a property.IFAIndependent Financial AdviserInstructionThis is when you give an estate agent ‘Instructions’ or the right to sell or let your property.Joint / Multiple AgencyThis is when you instruct more than one estate agent to market your property.Land CertificateThe certificate that proves ownership of land issued by the land registry.Land RegistryA government office that stores records of land ownership and any charges like a mortgage.LeaseA legal document detailing an agreement made between a freeholder and those occupying their property for a specified period of time. It lists all the conditions which the leaseholder must abide by and what the landlord’s responsibilities are.LeaseholdLand or property is ‘leasehold’ when the owner has to pay the freeholder an annual sum of money.LenderA person or company that lends money for an agreed time period. They expect to have the money repaid back with interest added – your mortgage company is a lender.LTVLoan To ValueMaintenance ChargeA landlord charges for the annual maintenance of a property which should be agreed in your contract. This includes keeping the outside of the property in good order and gardening services in communal areas.MIGMortgage Indemnity Guarantee – an insurance premium some lenders may need you to take out on certain mortgages.B>MortgageMoney borrowed from a lender to buy a property. The borrower agrees to use his or her property as security against it until the loan is paid back.Mortgage DeedA document which has the details of a mortgage arrangement.Mortgage OfferAn offer from a lender which details the terms and conditions of a loan.MortgagorThe individual who is borrowing money for the purpose of buying a property.Negative EquityWhen you owe more than the market value of your property, or have paid or are paying back more than a property is worth.OfferAn offer, usually below the asking price, you make on a property.OMVOpen Market Value – the value a property can achieve when there is a willing buyer and seller.RedemptionThis is the moment when you pay off your mortgageRegistered LandLand including any property on it that is registered with the land registry.Right Of WayThe legal access to a piece of property so as to access your own property.ROIReturn On Investment – how much you get out of what you put in.SearchesThe process of finding out if there are any unwanted effects now or planned for the future on a property.Sole AgencyWhen a single (sole) estate agent has been given the right to sell or let a property.Stamp DutyTax paid to the government on the purchase price of property.Subject To ContractThe point at which both parties are free to pull out of an agreement before exchange of contracts.SurveyA survey is the report produced by a building surveyor for the purpose of determining the value of the property and if it is structurally sound.TenantA person or persons (can be a company or organisation) who is entitled to occupy a property under the terms and conditions of a tenancy agreement.TenureThe type of ownership of a property such as Freehold or LeaseholdTitleThe legal right to ownership of a property.Title DeedsA Document that shows ownership of a property.Under OfferWhen a property has had an offer accepted but contracts have not been exchanged.ValuationA service by an estate agent or independent expert to determine the value of a property in the current market.VendorThe person who is selling a property.This is meant as a general guide and should not be seen as legal advice.

Personal Finance Articles Finally Show You How to Change Your Mind About Your Personal Finance Now

Many personal finance articles have been written on the issue of money. Can’t say I have been moved to action by many. First I’d like to say it is OK that you feel down about the current situation about your personal finances. I give you permission to feel your feeling for the next 24 hours and then pull yourself by your boot straps and let’s what we can do.

There exist many a definition, I want to share with you my personal finance definition:

Financial freedom is not an event, it is a skill.

I bet right now with the current economic situation you are saying to yourself, “I just wish I could the lotto!” Boy don’t we all and yet statistics and personal finance facts show that the majority of people who win the lottery, end up broke and worse off before their winnings! Imagine that. You among the many seeking wealth, riches, fame few people realize that money isn’t the solution to their problems; the way you think about money is the problem and the solution.

I can almost see you going oh yeah, give me the money and I’ll show you change in mindset! My favorite entrepreneur of all times, Henry Ford was once asked, “What if you lost everything you own?” He responded without missing a beat: “I’d have it all back and more within 5 years.”

Being a master of your own personal finance is not about what is in the bank; it’s about the ability to acquire the skill that will show you how to produce new streams of income and wealth based on your knowledge and experience.

So before we go any further on this issue let us tackle the real problem here that is impeding your personal finance for good! Why you might ask? Well without the mastery of these 5 steps, your desire for your goal for financial success and financial freedom is highly unlikely! This is why big players in any industry have coaches, Oprah has a life coach, football players and basketball players have coaches and mentors. Tiger woods after every bad game will go in for coaching and training. Why? Those who achieve great financial success do not go it alone. They always have a team. Those who achieve great poverty have the do it yourself mentality!

Why is it important to plan personal finances? As you have figured out by now, the cliche is true, when you fail to plan, you are planning to fail!

5 Personal Finance Guidelines That Will Guarantee You Become Master Your Personal Finances

1. How do you think about money? Say you come up with an idea to do something. Do you think that will never work? Are you afraid to follow through? Are you scared of losing money or do you see every dollar spent as an investment?

2. How do you manage and invest your time? The average man has at his disposal 6 discretionary hours. This is time they can do whatever they want. No work, no chores etc. Many will watch T.V., attend pricey sports events, spend money on meals at a restaurant and movies, see where I am going with this? Do you do personal finance budgeting?

3. How do you leverage the talents and life experiences you ALREADY POSSESS?
Most people see their experiences as failures. They only talk of how they tried to do something as failed. Thomas Edison failed more than I care to count, and yet he persisted to light the whole world. Many of life’s failures are people who did not realize how close they were to success when they gave up. Thomas A. Edison

4. Do you have a mentor and coach with a proven personal finance curriculum? This is the true measure of your desire for financial freedom. This is where you literally put your money where your mouth is, can’t afford a mentor you say? Well what was the last book you read? Gossip magazines do not count as literature sorry!

5. What do you think is “risky,” and what do you think is “safe and secure”? Most people never break into the realm of the 5% wealthy group who own 95% of the worlds resources because they want to play it safe. They want the money, the fame, the accolades but they feel they should not have to go through the process of creating this wealth. No wonder the internet and other places are full of scams and get rich quick opportunities. Remember this success does not happen overnight, but one night success does happen. Someone once said to me, it takes 3 years to be an overnight success!

If you’re tired of living paycheck to pay check discover how to build your home party & direct sales business with hot prospects, well attended home parties, and spending less money than you make, then your troubles have ended…

The Three Biggest Lead Generation Mistakes Small Businesses Make And How To Overcome Them

If you’ve been looking for simple, proven and tested, step-by-step methods for generating more leads for your small business, then this article may just have the answer. Firstly, I want you to stop for a moment and think about all the advertising you’ve seen over the past week.

How many of those actual ads can you name? Researchers estimate that over the past seven days, you have been exposed to as many as 117,000 ads based on national averages. So out of 117,000 ads, how many can you name?

If you’re fairly attentive, you may be able to come up with 3 or 4 specific ads… but I’ll bet that’s because you probably see those ads over and over… week in and week out. Let’s face the facts… repetition works. When you see any advertisement multiple times every day you’re bound to eventually begin to recall the ad. But now answer this question.

What few ads you do remember, how many of their products or services have you bought? Because I have a passion for marketing I tend to go online and research for well accepted ads. Take for example a series of ads from online trading company E*Trade which uses babies to promote their products. These have a massive audience on both TV and YouTube. They even had one during the Superbowl. I think they’re a scream. But… I don’t have an E*Trade account. Never have, never will. Why should I?

What benefits do they offer me as a potential buyer of online trading services that any of the hundreds of other stock trading services offer? See my point? Does a smart-aleck, wise-cracking baby have any relevance to online stock trading whatsoever? Of course not. So why does E*Trade continue to make these commercials? Believe it or not, there is a reason… and by the end of this short presentation, you’ll fully understand what that reason is.

Businesses today are led to believe that all they have to do to build a successful business is create some type of attention-grabbing form of marketing and they will generate leads at will. Nothing could be further from the truth. And that’s just in the area of marketing. What about generating fast cash flow? EVERY small business needs to generate fast cash flow. So how do you do that as a small business owner? What about generating profits? Generating more cash flow is great… but not if you don’t get to put any of it in your pocket at the end of the day. How would you like the answers to all of these problems?

In this article I am going to reveal to you the three biggest lead generation mistakes small business owners make… and outline how you can overcome them.

Here are the three mistakes. Mistake #1… they fail to get professional help. Mistake #2… they don’t know the fundamentals required to successfully market their business and attract as many new clients as their business can handle. And mistake #3… they have no idea how to use their marketing to generate immediate cash flow. Let’s explore these three in depth, and show you how you can easily and systematically overcome each one of them.

Mistake #1… small business owners fail to get professional help. Can you name me just one professional athlete who does NOT have a coach? There aren’t any. Tiger Woods actually has a total of 9 coaches guiding him in everything from his golf game to his financial investments. But do small business owners really need professional help? Remember the TV ads we previously discussed? Those ads are created by “professionals.” Unfortunately, those professionals have no clue what they’re doing. Everything they’re doing in marketing and advertising today is wrong! But let me prove that to you right now.

If you currently use any form of marketing such as a print ad, brochure, postcard, flyer… or for that matter… your company website, take it out and look at it carefully. And if you don’t have any form of marketing right now, take out a sheet of paper and sketch out what you think would make for an effective ad for your business. It doesn’t have to be anything formal or fancy… just create a basic outline of the ad and where you would locate the various elements on the page.

Now that you have your ad… or a mock up of your ad sitting in front of you, let me provide you with the little known secrets that produce more leads than your business can handle. 99% of all marketing professionals DON’T know the lead generation secrets I’m about to reveal to you. This information is so powerful and compelling, it will position you in the top 1% of all lead generation professionals today. This example will show you why every small business owner should acquire our step-by-step roadmap as they start to generate leads for their business.

Here’s what a true marketing professional will know… and help you implement into your marketing. It’s known as the “marketing equation.” This marketing equation will let you quit competing on price… and let you start selling your product or service for what it’s really worth. You will drive in more leads and increase your advertising response by 10 to more than 100 times. You will convert a higher percentage of those leads and dramatically increase your number of sales. You will get a bigger bang for your marketing buck. The bottom line is this you will literally create a profit faucet that you will have TOTAL control over.

First, you MUST understand what marketing is supposed to do. Its purpose is actually three fold. Its first job is to capture the attention of your target market. Second, it must give them the hope that reading or listening to your marketing will give them enough information to help them make the best decision possible when buying whatever you sell. In other words, train and teach them how to recognize the true value of your product or service… and conclude that you… and you alone… offer the best value versus your competition. Marketing’s third job is to lower the risk of taking the next step in the buying process… and if necessary… continue to educate the prospect regarding the value you offer.

Marketing that accomplishes these three objectives will result in your prospects and customers coming to one single conclusion, that they would have to be an absolute fool to do business with anyone else but you, regardless of price. It’s estimated that as many as 96% of all small businesses fail within their first 5 years. The main reason for this tremendously high failure rate has to do with the lack of expertise when it comes to generating leads and making the phone ring.

Most small businesses don’t know anything about those three things that marketing is supposed to do. But there’s also an additional problem to consider. Most small business owners use a tactical marketing approach instead of a strategic approach. Let me explain.

Running an ad in the local newspaper… sending out an email or direct mail letter… airing a radio or TV ad on a local media station are all examples of tactical marketing. Now don’t get me wrong… the newspaper, radio or direct mail can be successful marketing channels… If your marketing message is powerful and compelling. But that’s the problem… the message is the strategic side of marketing… and yet, it’s the most neglected.

This distinction between strategic and tactical marketing is huge and one you need to be acutely aware of anytime you start talking about generating more leads. Many companies mistakenly assume that when you talk about lead generation, you’re automatically talking about tactical lead generation… placing ads, sending out mailers, joining a networking group, attending tradeshows, implementing a prospect follow up system and so on.

They fail to realize that the strategic side of the coin, what you say in your marketing and how you say it is almost always more important than the marketing medium where you say it. If you fail to make this distinction, then you risk becoming jaded towards certain forms of marketing and advertising that should be a part of your tactical plan, but you eliminate them from consideration because they haven’t worked for you in the past.

When lead generation results are less than optimal, small business owners tend to almost always blame the marketing medium… like the newspaper the ad ran in or the postcards they sent out. They blame the tactical part of the plan… without any regard for how good or how bad the strategic messaging in that marketing piece was. People often say things like, “we tried radio and it doesn’t work for our kind of business,” or “we sent out 50,000 pieces of direct mail and only generated 3 orders. It just doesn’t work.”

Just because it didn’t work, don’t assume that it won’t work. Most people don’t have the evaluation skills or the know-how to judge whether poor marketing results from poor strategy or poor tactical execution. This is where our step-by-step roadmap can generate more leads than your business can handle.

For example, most small business owners rely heavily on platitudes in their marketing. They say things like – we have the lowest prices… the best service… we’re family owned and operated… we offer convenient hours… the best value… not to mention that we’ve been in business since 1431 B.C. Look at your own marketing that I asked you to acquire or create earlier. How many platitudes did you use in your own marketing?

By the way, this is NOT your fault. Small business owners have been conditioned to think this is the proper way to market their businesses… since most advertising follows this same pathetic marketing formula… including the Fortune 500 types.

As human beings, we’re all after just one thing when we buy something… the best deal! Unfortunately, when you use platitudes in your marketing, there’s absolutely no way to tell who is actually offering the best deal. Everyone says they have the lowest prices, the highest quality and the best rates. So who do you believe? There’s only one way to know… and that’s to research every single business that offers what you want to buy. How many of us have the time or patience to do that?

So most of us just automatically assume that everyone is pretty much the same, and therefore we default to calling on the business that offers us the lowest price. When you can’t communicate the true value your business offers, you’re doomed to forever compete on price. Our marketing equation will change all of that for you forever. It’s going to be the backbone of your strategic marketing plan. It’s the foundation on which everything else we build for you is based. Let me give you a quick overview and then spend some time going through it with you in detail.

A proper marketing equation has four main components. First, it must interrupt your prospects. It must get your qualified prospect to pay attention to your lead generation marketing. Simple enough to say, but a lot more difficult to pull off in real life unless you understand what you’re about to learn here. The interrupt is done through your headline if your marketing is in print… or it’s the first thing you say if your marketing through radio or TV. The second component is engage. Once your prospect is interrupted, it’s critical you give your reader the promise that information is forthcoming that will help the prospect make the best buying decision possible. In other words, it must help facilitate their decision to pick you over anyone else. This is the job of our subheadline.

The interrupt is our headline that highlights a specific problem that your prospects are looking for a solution to… and the engage is our subheadline that promises them that you offer a solution to the problem we mentioned in our headline.

The third component you need to include is ‘educate’. Once you have interrupted and engaged your prospect, you have to give information that allows them to logically understand how and why you solve the problem they’re facing. This is accomplished by giving detailed, quantifiable, specific and revealing information. This is typically done in the body copy of your ad. When you educate, you need to reveal to your prospects the important and relevant information they need to know when making a good decision, and that your business… and yours alone… provides it to them. The interrupt and engage hit the prospects emotional hot buttons. Educate is the logic they need to justify picking up the phone and calling you.

The fourth and final component of the marketing equation is your offer. Now that you have interrupted your prospect based on problems that are important to them… engaged by a promise of the solution… and they’ve examined the educational information that makes your solution real and believable… the last step you need to take is to give them a low risk way to take the next step in your sales process. You do this by offering a free marketing tool, such as a report, brochure, seminar, audio, video or something that will continue to educate them. Your offer will allow your prospect to feel in control of their final decision to call and buy from you.

So your marketing equation is interrupt, engage, educate and offer and together they equal market domination. Now here’s the problem. Most marketing today only contains two of these components. They interrupt by throwing something at you that’s either familiar like Tiger Woods… or unusual like a monkey or talking pets. Sometimes they like to use both, as in the case of the E*Trade baby. Then once they grab your attention, they make you some type of offer such as “call now for whatever.” They have left out the engage and the educate, and marketing seldom succeeds when that happens.

In fact, the only time this type of marketing does succeed is when you can afford to run the ad over and over nonstop for an extended period of time. Plop, plop, fizz, fizz… melts in your mouth, not in your hand… and the burgers are better at… have literally been rammed down our throats by Fortune 500 types. After hearing these slogans thousands of times, of course we’re going to remember them. But how can a small business owner like you that doesn’t have a billion dollar marketing budget successfully market your business. The answer… you can’t… UNLESS you follow the entire marketing equation.

And finally the third biggest mistake small business owners make is that they have no idea how to use their marketing to generate immediate cash flow. When you follow this marketing equation in every form of marketing you do… from your business cards to your company website, the financial results are instantaneous and immediate.

So in conclusion, the three biggest lead generation mistakes small businesses make are #1… they fail to get professional help. #2… they don’t know the fundamentals required to successfully market their business and attract as many new clients as their business can handle. And #3… they have no idea how to use their marketing to generate immediate cash flow.

The above marketing equation contains the fundamental components for instantly making your phone ring and positioning your business as the dominant force in your market. It provides the marketing foundation that will enable you to generate immediate cash flow. And small businesses can use this information as a minimum standard when seeking out professional help for their business.

The Finer Points of Internet Auctions


Penny auctions have exploded in popularity with the massive growth of the internet. However, few people know the true origins of penny auctions.Beginnings actually stretch back to the Great Depression. Those were hard times for everyone, but even harder for farmers. Farmers struggled to bring in steady income because of droughts and crops not selling as well as they had previously. As a result, the banks would foreclose on the farmers who couldn’t keep up with their mortgage payments.

The banks weren’t satisfied with just repossessing the house, they wanted to raise as much capital as possible, so they resorted to selling off the possessions of the owners of the repossessed houses. There was not much the farmers could do about it so they began bidding ridiculously low prices, pennies, on the items while threatening others who dared to bid higher than a few pennies.

The auctions of today hardly resemble their tremulous beginnings. Being part of a penny auction today is exhilarating, fun, and addictive. It combines the selling format of auctioning with a little bit of chance factored in.Auctions are a game of strategy but also a game of luck.

The premise behind penny auctions is giving people the chance to win an item at a drastically reduced price.Auctions make that possible by spreading out the cost of the product among multiple bidders. In order for a person to take part in an auction, they must pay a set price for each bid. For example, if a person wanted to bid on a fifty dollar Amazon gift card then he would spend a dollar for each time a bid placed. If he ended up winning the gift card, then he would only have spent a few dollars for a fifty dollar gift card. Usually penny auctions sell bids in packages.


The main foundation of penny auctions is the pay-per-bid format. It is the key that allows bidders to win items at the fraction of their retail value and allows the auction owners to keep their site profitable. Most y auction sites run on the same premise: people pay a set amount for each bid, whenever a person places a bid within the closing seconds of the auction time will be added, the last person left with a unique bid after the clocks runs out will win the item. There are a large variety of items that can be won, but they tend to be popular electronics or gift cards to popular stores.

There are two types of auctions: lowest unique bid auction and highest unique bid auction. Lowest unique auction sounds confusing but it is actually quite simple. A unique bid is when only one person has a bid at a certain price. Bids usually start at one penny, a bidder can then place a bid at two pennies. Until another bidder places a higher bid, the most recent bidder will be the lowest unique bid because that was the only bid at two cents and nobody bid higher. However, penny auctions generally don’t stop at one penny. It is not uncommon to find auctions that end up at a couple hundred dollars based on the popularity of the item being auctioned. However, the same principles apply for those auctions. Highest unique bid auctions follow the more traditional auction format such as eBay. The person with the highest bid at the end of the auction wins the item.

Auction site owners turn a profit by selling bids. Say twenty people are bidding on a ten dollar gift card at one dollar per bid, at the end of the auction if there were twenty bids placed in total then the site owner would have made twenty dollars with a ten dollar profit.Auctions do seem like a win-win situation:The site owner makes money while the bidder gets an item for dirt cheap. However, not everyone wins in penny auctions. The people who paid one dollar each bid but left with nothing to show for their investments will not be so happy.


Penny auction has a lot of chance mixed into it, but one can incorporate strategy that will help raise the chances of winning. Playing smart can make all the difference between gambling and auctioning.

The first crucial tip to winning penny auctions is to know how to manage your bids. Your goal should be to win as much as possible without spending a ton of money buying bids. Managing your bids means that you should already know how much you are willing to risk in order to win an item. The amount of capital you are willing to risk will determine how many bids you can use. Once you know how many bids you have to spend on an item, then you will be better able to manage how and when you place a bid. That will keep you from blowing away all of your bids in the first few seconds of the auction.

The next tip is to practice time management. When fighting in the trenches of penny auctions, you have two enemies: other bidders and time. Knowing when to bid is a must if you want to have success. Placing a bid when there is a lot of time left on the clock is never a good idea. You have to remember that the key to winning a penny auction is being the last one standing when the clock runs out and that each bid increases the amount of time left. It would be a good practice to wait until the last few minutes of the auction before you begin to bid.

The final tip for successful auctioning is to keep your emotions under control.Auctions have a lot of similarities to gambling, and just like gambling, your spending can get out of control. If you keep your emotions level, it will keep you from making rash decisions and blowing loads of cash. Keep your mind clear so that you can gage the behavior of the other bidders and outsmart them.


Penny auctions are a great addition to the web whether you want to win an item that otherwise you wouldn’t be able to afford or if you simply enjoy the thrill that comes with bidding in auctions. Unfortunately, scam sites have tarnished the reputation of the legitimate penny auction sites. However, there are ways that you can protect yourself from scamers and enjoy your auctioning without having to worry about losing your money due to dishonesty.

Checking the reputation of the auction site before you start spending your hard earned money is always a good idea. Chances are other people have tried the site before you and some of them have left reviews. The reviews are your way to gage whether a auction site is trustworthy or not. If a site is getting overwhelmingly negative reviews, then that is a clear indication that you should steer your business elsewhere.

Another tool you can use to protect yourself is checking the Alexia ranks of the auction sites. Alexia rank will give a solid view of how much traffic the auction is getting. If you see a huge difference in the amount of traffic Alexia is projecting and the amount of active bidders on the site, then warning signals should be ringing in your head. Some auction sites have been known to set up robots that automatically bid on projects in order to keep the auction going and inflate the price. That is known as shill bidding. You can sniff out those sites by comparing the traffic the site should be getting to the amount of users using this site.


New legislation may come out later down the road that will officially make penny auctions gambling, but until then, it is a fun, exciting auction that allows one to win the item they’ve always wanted but couldn’t afford.Auctions are also quite lucrative for the site owners because of the pay-per-bid strategy they’ve incorporated. Penny auctions had humble beginnings with farmers who just wanted to get back at the banks who kicked them out of their house. More recently, auctions have enjoyed an explosion in popularity with the rise of the internet.

There are two main formats fora auctions, lowest and highest unique auction, however they both run on the same premise where the last unique bid wins the item. Winning a penny auction will require a certain amount of mental tactic and a bit of luck. However, you can increase your odds of winning by practicing certain techniques such as managing your bids wisely, learning how to work with the time, and keeping a level head and your emotions under control. When you combine those three strategies to your bidding plan, you will find that you win a lot more often.

It is important that you do your due diligence to protect yourself when participating in auctions. Not every auction is run by honest and trustworthy people. There are people out there who just want to take your money. You can protect yourself by ensuring that you only bid on sites that already have a very positive reputation from real users.

How to Find Great Live Auctions for Resale Items

Hi, my name is Walt. I’m an auctioneer with 25 years of experience in the auction business and licensed in the state of MA. I own Quick Auction Service, a company that specializes in building and running custom auctions, I’m also the webmaster of my own site and have been on eBay for 8 years. Besides eBay, the types of auctions I run most frequently are antiques and on-site estate auctions, although I’ve run everything from business overstock auctions to charity & special event auctions.

I enjoy sharing my knowledge and stories of the auction business. My goal for article is to help folks get the absolute most out of their auction experience.

Whether your fresh out of the package or a seasoned dealer I think I can offer something in this article to help you with your auciton adventures.

There may be as many reasons to attend auctions as there are types of auctions to attend. Maybe you want to attend an auction to buy items for re-sale on eBay, or some other market. Maybe you want to furnish your home with wonderful antiques, or you want to furnish your home as inexpensively without sacrificing quality.Some folks are just looking for a fun night out. With a little perseverance all these things are possible.

There are antiques and estate auctions, auto auctions, overstock auctions, absolute and no reserve auctions, real estate auctions, specialty auctions where only one genre of items are sold, tailgate auctions, live auctions, online auctions, sealed bid auctions, silent auctions, charity and fund raising auctions and many more.

Can you really buy for pennies on the dollar at an auction? You bet! Many times I’ve seen folks buy and re-sell at the same auction on the same night for a good profit, although be advised, this should only be done after the auction is over.

There are a lot of ways to find an auction, but here are some tips on how to find and attend the best ones.

Visit the genre of shops in the area that apply to the type of auction you want to attend. IE: If your looking for a good antique auction to attend, stop in the local antiques shops and ask for what there are for good auctions in the area. Sounds obvious right? But listen to what they don’t say as well as what they do say. Oftentimes when a dealer speaks poorly about an auction he or she attends, it may be likely that they are trying to keep a good thing secret. Think for a moment, why would a dealer keep attending a lousy auction?

Newspaper ads: I personally like to find ads in the classified ad section rather than flashy display ads. Flashy ads are usually indicative of an auction that will be high priced, may have reserves, (a set price on an item), and usually an enormous crowd. While any auction can be profitable to attend, it is usually best to steer clear of the glitzy ones, at least for the beginner.

Here’s the minimum you want to find out before you go. If there is a phone number in the ad, call and ask for the terms of the sale. What forms of payment do they accept? Is it an absolute auction? An absolute auction is one that has no minimum or reserve bids on items. These are the best auctions to attend! Is there a buyers premium? A buyers premium is like a tax that everyone who makes purchases at that auction must pay above the winning bid price. Most auctions these days do charge a buyers premium, 10% is not unreasonable but I feel much more than that is greedy, and the auctioneer that charges over 10% is counting on most bidders not doing the extra math as the bids quicken in pace.

A fair auction will have ample time to inspect the merchandise, usually at least 2 or 3 hours. Find out when inspection starts and make sure to attend! Never attend an auction if you can’t make the inspection, not unless your prepared to gamble. Most auctioneers sell at a rate of about 100 items per hour, which is why they sell “as is”. They simply don’t have the time to give a detailed description of all the items. Since almost all items at auction are sold AS IS, there are sure to be some damaged, refinished, fake and incomplete items at any given auction. Beware of any auctions that offer very little or no inspection time.

Good auctions will usually have 150 to 400 lots. A lot may be one item or a group of items. The exception to this are specialty auctions, auto auctions, real estate auctions etc.

When you attend your first sale, take note of the 1/2 dozen or so dealers that buy the most often. See if you can find out about other area auctions they attend.

When you do find an excellent auction, attend it as often as possible. By frequenting good sales, you help increase the bottom line of that business. It’s difficult for many auctioneers to keep the quality of merchandise consistent, so good attendance certainly helps. And when an auctioneer gets to know you as a buyer, he/she will go out of the way to accommodate you, to keep you coming back.