A Complete Overview of Payday Loans

Surveys have proven that the number of applicants for payday loans is growing by the day. It is important to understand how the whole concept of short term credits works before making an application. Short term credits are issued on a short term basis usually between 14 – 30 days. Other names that are used to refer to payday loans include check loans, cash advance and salary advance loans.It’s understandable that once in a while everyone is going to run into financial obstacles that might necessitate temporary funding assistance in the form of short term credits. There’s nothing wrong with needing such a loan a few times in your life. The problems with this form of financing arise only when people become reliant on it and constantly are taking out loans that include hefty interest payments in relation to the time period and amount of the loan. Think over all of these factors before taking the next step and actually applying for a loan.You’ve Applied; What Next?Once you successfully apply for a short term credit, the amount plus interest is deducted on your next pay check. In situations where you fail to repay the amount as required, you can roll the loan over by paying additional fees to the lender along with the interest accrued over the roll over duration. Loan sharking is yet another terminology used to refer to the payday loans.In most cases, people opt for payday loans because of necessity. There are certain situations when emergencies arise, which require urgent financial solutions. It may not be easy to ask for money from friends and family hence short term credits become a perfect substitute for this.
Venues to Pursue a Payday LoanThere are a myriad of payday companies that offer payday loans to their clients. Other than banks and financial institutions, one can make an online application for a short term credit or visit the institution physically. It is possible to make an online application for a payday loan online or visiting the lender physically. The advantage of using the internet is that you can make comparisons of the different offers that the lenders have.There are certain conditions that must be met before a payday loan can be approved:One must be employed with a consistent income.
The applicant must have a checking account.
Applicant must be eighteen years and over.
Applicant should be a resident of the country.
The applicant should earn $ 1,000 every monthThe best time to apply for a loan is Monday to Thursday since you will get the loan the following day. Usually, the loans are approved and credited on business days. If you make an application during the weekend, you should expect the approval and payment to be complete by the coming Tuesday. Therefore, the best time to make a payday loan application is between Monday and Thursday.Approval Loan ProcessIt is important to acknowledge that the approval process for the loan application is extremely fast. It is possible to get the loan within twenty four hours of the application. This is why many people take out short term credits. The company will check out the documents and confirm these figures within a twenty four period. Usually, the data verification system is automated and is named VPN according to the software program. The entire procedure of identity verification and depositing of the funds should take less than24 hours. Some companies deposit the money in less than a day.Average Costs of Payday LoansThe costs of the payday loans vary from one lender to another. Usually, $ 15 to $ 30 can be charged for each $ 100. Therefore, if an applicant borrows $ 100, he or she would have to pay $ 115 to $ 130. Keep in mind that the APR for the payday loan interest can go up to 391%. This should be considered before taking the payday loan.

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Small Business Management Consulting Companies – Choosing the Right One

Small Business Management Consulting Companies That Deliver ResultsThere are many small business management consulting companies out there today. As a business owner, you want to ensure that you are choosing the right one for your needs. There are a few things you can do as a business owner to make sure you are choosing the right one.Many small business management consulting companies offer similar services. In order to choose what kind of help your company needs begins with assessment. You, as a business owner, need to take a step back and look at your company. The first thing to do is try to find the strengths and weaknesses of your company. You need to figure out a way to keep your strengths where they are and make your weaknesses strong. This will give you a rough idea of where you need to start when searching for a consultant.Due to the fact that there are so many small business management consulting companies, you may want to interview several of them. You want to make sure that the consultant you choose has the best interest of your company at heart. You need a consultant that is going to come in and help your company achieve the goals you have set. They need to have the drive and passion to get your company where it needs to be. You know the expectations you have and when you decide to hire a consultant, you need to inform them of these. Your goals and expectations should be clear and concise.Perhaps your company needs assistance with its employees, but you are unsure of how to correct the problem. While browsing through the small business consulting companies, try to look for those that offer leadership or employee training. This type of training can help you determine what the weak and strong points are when it comes to your employees.For example, if employee communication is an issue, the consultant can come up with ways to help everyone communicate more effectively. Maybe the employees have a difficult time with figuring out what they are suppose to be doing because there is a lack in communication. There are even games a consultant can come up with that will get everyone in the room talking and showing them how to express what they are feeling. A company’s foundation begins with the employees, and if there is poor communication, this can affect productivity.When searching through the small business consulting companies, you need to look for one that offers complex problem solving. Problems occur in every business, whether it is one that is just starting out or one that has been open for thirty years. Problems are a part of everyday life and some of them can’t be avoided. The key is to have a method of being able to effectively and efficiently solve them. Consultants are known as problem solvers and can assist with smallest issue. They assess the company as a whole and try to figure out where there problems are occurring. Once the problem area is identified, they consultant will come up with a plan on how to solve them.When the plan is developed, then they put the plan into action and get it taken care of. It is best to address problems as they occur, instead of waiting until they are completely out of control. The consultant can work with a company short-term, meaning they can come in for a brief period of time. They can instruct the owner on how to identify and solve problems quickly. If the consultant works with a company long-term, usually they are in control of problem solving. The owner has the time to focus on other areas of the business that need attention.Even though there are many small business consulting companies that can offer help, it is important to find the right one. You need to work with a consulting company that will send you a consultant that will help your company reach the goals that are set. It is best to research the companies you are considering using to make sure they can offer the help your business needs. A consultant is considered to be an expert in the area they are working in and you want to make sure that they are. Their expertise usually comes from knowledge and experience in real life situations. If you decide on a company, you can also interview the consultant directly to make sure they are indeed knowledgeable. If you needed help with your human resources department, you want to make sure the person you are taking advice from has experience in that department.Sorting through a list of small business management consulting companies can be stressful. The best thing to do is take your time, know what you are in need of, and interview everyone you can. Your company will thank you for it! If you would like to learn more, click the link below.

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Is Homeschooling Legal?

Although regulation and laws about homeschooling vary from one state to another, homeschooling is legal in all 50 states of the U.S. There are varying interpretations of these laws in different school districts. Homeschooling policies may also change every year.

Such changes and variety may prove to be very confusing especially for first time homeschoolers. That is why it’s recommended to go to the National Home Education network to inquire on existing homeschooling regulations and to get updated on future changes. Since policies vary from state to state, it is important to concentrate on reading and understanding the laws pertaining to the state you’re in. Some even seek the help of lawyers to interpret the laws for them. To save on legal costs, you can seek the help of a local support group who may have legal representatives who can attend to your questions for free, if not for a lower fee. Many state education departments also have websites which can help you interpret the state’s requirements on setting up and maintaining a legal homeschool.

Once you and your child start on homeschooling, it’s best to be able to keep focused on both of your roles-your child as a student and you as a teacher. An unnecessary legal glitch in the future may break your mindset and have negative effects on the levels of your interest. Additionally, if you need to move to another state, don’t forget to check if there are any examinations your child is required to take.


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There is an excessive amount of traffic coming from your Region.


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Does KPN Represent the Latest in Telecommunications Technology?

Over the years, the developments in communication technology have been pretty difficult to keep up with. If you’re subscribing to a mobile phone company, for example, which does not adopt the latest technologies, then you might not be able to utilize the latest mobile phone features and applications.Here, we will have a look at whether KPN International is the company to beat when it comes to delivering the latest that telecom technology has to offer – and what other features on their website and on their product line up customers need to look forward to.A Brief Introduction of the Background of KPN InternationalTo give you a general idea about what KPN is all about as a company, here’s a quick look. The full name is Koninklijk KPN N.V. – and it is also called Royal KPN N.V. or simply KPN. They are a Dutch telecommunications company which specializes in delivering landline and mobile services as well as other telecommunications products. Their headquarters is located in Hague, and they can provide you with both 2G and 3G mobile operations.Next, let us take a look at the major benefits that you will get to enjoy by taking advantage of the products and services offered by KPN:
- KPN delivers reliable and great value-for-money services to carriers, ISPs and content providers.
- KPN offers cost-effective products and services to their customers.
- KPN makes it a point to value customer relationships first, offering custom-fit services for their corporate clients to meet the needs of their business.
- KPN offers customer-focused, flexible, innovative and reliable services for all of their clients.The services that KPN offers range from telecommunications services for both corporate and wholesale customers; as well as video communication services. Other services include:
1. VPN
- Corporate Internet
- Ethernet VPN
- Next generation VPN
- Managed Firewall Service
- Secure Remote Access2. Transmission Services
- International Private Line
- Wavelength3. IP Transit
Getting Great Discounts from KPN with VouchersNow, if you want to take advantage of any type of product or service from KPN – the good news is that you can make use of KPN Offer Code, Money Off Vouchers for KPN, KPN UK Discount Codes to get great discounts. Does this also apply for the telecommunication products and services offered by KPN? Definitely!Simply by keying in your KPN Offer Code, Money Off Vouchers for KPN, KPN UK Discount Codes, these will promise you pleasant price slash-offs. When buying an equipment for Ethernet VPN, for example, you can use your KPN Offer Code, Money Off Vouchers for KPN, KPN UK Discount Codes which will help you to claim for huge discounts. The same thing holds true if you are buying a video communication device. Simply keying in your KPN UK Discount Codes will also give you the appropriate discounts for the equipment that you are buying.Here is a good news for non-English speakers, you can choose your local language when visiting KPN International’s website. If you put together the outstanding service, the high-tech telecommunication products and the overall functionality and design of this online store – there is no doubt that KPN.com is one of the best websites of its kind.

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Student Loans – Alternative Financing – Should We Be Worried?

Student loans and alternative financing methods – what are your options?Part 1 – The Set-upOne of the interesting things to think about is the fact that, due to the higher costs of education, many students are starting to wonder and also worry about the financial implications of getting a higher education.This is affecting many people in such a way as to make themselves start to question just how far they should go with their studies, i.e. some are thinking they may be better off looking at a career that perhaps pays a lot less just so they are able to afford the cost of education. This way of thinking is, of course, a mistake.It shouldn’t matter about what you want to study and make your lifetime career, the ONLY thing you need to consider before you decide to embark on your studies is this:Are You Passionate About What You Want To DoForget about costs, forget about the future problems that may or may not arise, just make sure that what you want to study is more than an interest, make sure it is your passion. If you think of your career in this way, then you will be assured you can meet any challenges and problems that come your way.In the words of Alfred E. Newman ‘What… Me Worry?’In fact, I DO know of about 20,000 people who live not far from you, who do not have a worry in the world. This is because they all live in the cemetery!Problems, worry, hardships are all a part of living and they are there to help us learn. We just have to understand this fact and move on to our problem-solving stage.Part 2 – The SolutionAlternative financing can come in many different forms, both traditional and non-traditional, we will look at some of those solutions below.Traditional:There are always the traditional methods of financing and income production that include:· Normal job· Part time job· Family supportBearing in mind that most traditional forms of producing an income still require that you sacrifice your hours in the day for an hourly wage, no matter how big or small.Non Traditional:These are the more modern methods of producing an income that have surfaced over the last few years and they are where most people now are looking to· Online News-Letter or Blog.· Micro-publishing· Crowd FundingLet’s elaborate on these non -traditional methods a little more.Online News Letter or BlogThis can be a great way to generate more money and help ease the financial burden. What many people have done have set up a blog about a newsworthy or interesting topic.When people read the newsworthy article, about a topic they are interested in, they are asked to subscribe to a weekly or monthly newsletter that keeps them up to date on their topic.You can charge about $5 per month, the good thing about this is that the amounts are not big enough so that people will cancel, they usual keep paying every month because the information they are getting is well worth it.If you have 100 people subscribe to your newsletter, then that is $500 per month.Micro PublishingThis is where you publish small books online on Amazon. People are hungry for knowledge, they keep buying the latest books to get the information they are hungry for.Points to Consider with micro-publishing:
It costs you nothing to register an Author account with Kindle

You can publish any size book – 10pages-30 pages etc.

The average size micro book is about 35 pages

You can easily outsource your books

You can have as many author names as you like (one for each niche is a good idea)

You don’t have to promote your books

You have the advantage and power of the multi million Amazon audience

People only go to amazon when they want to buy something

Small – short, problem solving books are ideal. They solve a problem in a timely manner.
CowdfundingThis is the platform that allows you to receive donations from friends, family and total strangers.Take a look at some of the online crowdfunding sites online. It only takes a few minutes to set up your own crowdfunding proposal.There is also some software you can get which will allow you to set up your own crowdfunding website in only a few minutes. Certainly, crowdfunding an amazing new tools and many people are now making great money for their own sites.I hope you have had a few ahaaaa moments with student loans – alternative financing and I wish you success with your studies.

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What Do You Know About All In One Directional Advertising?

Advertising is the key element of any business. If the advertisement thrives, it can mean immense traffic that generates thousands of dollars in income. Advertising requires original thinking because conventional advertising mediums are becoming very costly. Advertising is the best method to make sure that customers learn about your products or services. But the real question is; are you getting the proper returns on investment on your advertising dollar and do you feel that your promotion dollars and advertising overheads are giving you the results that you want? Probably you have been wondering where to advertise your business. Stop wondering, just look for a website that has the potential to draw thousands or millions in traffic and your business will surely benefit.Most advertising sites offer only one of three main categories of directories, that is, classifieds, normal directory or jobs. If you find sites that offer all three probably the traffic generated is greater.Classifieds usually contains more than 10 categories including houses for sale, rent, apartments for sale, rent, shops for sale rent, and offices for sale, rent, cars for sale and business opportunities.Directory usually contains more than 2,000 categories of listings. Among the more popular categories are advertising, airlines, banks, beauty salons, bus lines, computers, charities, travel agencies, building contractors, renovators, consultants and interior designers, florists, hospitals, hotels, transportation, car rental, car accessories, office furniture, restaurants and photographs retail centers.Jobs usually contains more than 60 job categories under the main headings of Accounting, Finance, Human Resource and Admin, Sales, Marketing, Arts, Media, Communication, Services, Hotels, Restaurants, Education and Training, Computer, IT, Engineering, Sciences and Healthcare.Web Surfers from all over the world can search for and view products and services advertised and do business with the advertisers.The importance of advertising in a directory is outlined as follows:1. Supply necessary informationThe customer may be looking for more information than just name, address and telephone number. They may need product or service details.2. Complete directory representationSometimes a company may be known by two or more names. They may deal in two or more types of products or services. Therefore, an advertiser may want to advertise in different names and classifications.3. Supply attention and valueDirectory advertisements offer aggressive business a chance to secure a bigger ad space, thus showing itself to be more prominent than its competitors.4. Trade mark and trade name identificationCustomers may be just looking for a company trade name which is better known instead of its company name.5. Focus attention on a specific product or serviceIf a product or service can be obtained from several sources an advertiser will benefit if he can point out the advantages of buying from him instead of his competitors. He can do so in a directory.6. Maintain prestigeDirectory advertising is special advertising which differentiates a prestigious business from an ordinary one.Advertisers must understand the above functions of an online directory. They must be able to differentiate directory advertising from general advertising. When directory advertising is confused with general advertising sales executive from a directory company will face a very serious problem because he will meet with strong resistance and put into a class of media with fierce competition where magazines, television, newspaper, radio, exhibition and dozens of other types of salesmen battle for a place in the businessman advertising budget.In most businesses all advertising is designed to build a desire for the company products or services. Directory advertising is used after the prospective buyer has already decided to buy. He is just looking for the seller. Therefore, general advertising is concerned with a product looking for a customer. Directory advertising is concerned with a customer looking for a product.All in one directory are fast becoming popular and are expected to boost traffic to the site and thus improve an advertiser chance of doing more business.

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5 Minute Guide to Video Editing for Beginners

Getting started with video editing is very simple you only need a few items and you can be producing quality movies at home that you will be able to enjoy for many years to come. Maybe even produce a hit Hollywood movie.The basic items you need are a video capture card, the software to edit, your computer, storage space on your computer and a camcorder, VCR, or you can display your movie on your computer screen.The process is effortless, all you do is capture the video to you computer using a capture card, then edit your video with video editing software and then download the video that you edited to either tape or burn it to a VCD, CD, or DVD.Let’s look at your computer first. You will need a minimum of a Pentium II 300 or faster, a minimum of 256 Megs of RAM, but you will get better performance with 512 Megs. You will also desire to have a 30GB drive that is split into 2 separate partitions. This means that you will have a C: and a D:. The C: should be given 10GB and will have all of your software stored there and the D: will be where your audio, video and editing projects are stored. Your graphics card should be a 32 Meg AGP. You can have an 8 or 16 Meg but the quality will not be as good.Storage is probably the most confusing thing about video editing. Video makers have many choices for storing their digital video files and this is why it can be so confusing.If you desire creating your own DVD’s then you are going to need lot of storage. The most you can get out of a single sided 4.7 GB DVD is around 2 hours of video. If you are using DV footage you are going to need 13GB per hour of video, this means you will need 26GB of storage and remember you always have extra footage that you need to factor that in as well so you are now up to 39GB of storage space needed. If you are adding other options such as graphics, MPEG2 footage for the DVD and the folder to hold it all then you are now up to 50GB. So, for your 2 hour movie you will need 50GB of space at least.So, when you begin be sure that you have enough storage on your computer for the type of video that you wish to store.On to the video capture card and the video editing software. When you first visit the electronics store you will find many manufacturers that create video capture cards. The most popular include
Some of the reputable video capture card manufacturers are: Pinnacle, Matrox, Dazzle, ADS, Canopus, and Digital Origin.What video capture cards do to put it in simple terms is that these cards use hardware or software compression to digitize your video onto the hard drive on your computer. This way you can edit your video and play it back onto tape or display your movie on your computer screen.Some times, you can purchase the video capture cards along with the video editing software that you choose. Some of the most popular video capture cards that are packaged with video software include the Pinnacle Pro One which comes with the Adobe Premiere 6 full version, TitleDeko RT, DV Tools 2.0, Hollywood FX, and Impressions DVD. The Dazzle DV NOW AV can be purchased along with the Premiere 6 full version and the DVDit LE.Having music along with your video can also be accomplished with a MP3 Converter that will allow you to convert your MP3 music into a wav file or the format in which you need for your video. You may also wish to purchase a MP3 Encoder which will allow you to Wav or other formats into a MP3. A CD ripper is another item that you may wish to purchase that will help with converting your CD’s to MP3, WAV, WMA type files.One other software program that will make you life easier when you begin video editing is a MPEG Encoder which is a very easy to use program that will make converting several formats easy than you can imagine. Many of these MPEG converters will aid in converting DVD, VCD, AVI, MPEG, GIF, Flash, WMV, WMA, WAV, MP3, MP4, M4A, OGG, AAC, 3GP and even more/So, now all you need to do is to find the best video editing software that you feel comfortable with and off you go. You can find several different video editing software companies that offer their software on a trial basis, this will let you try out the software so you can see if it is the perfect software for you. But, remember with the trial version you will be receiving the video capture card. You will have to purchase it separately.

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Questions on Franchise Financing Loans

You are quite taken with the idea of starting a franchise. You’ve done extensive research, hired a franchise lawyer and already have a business plan in place. The next thing on your list is funding the franchise. Many Canadian franchisees often discover that franchise financing can be as testing as the steps that precede it.You should, of course, understand how the Canadian franchise sector is regulated and the kinds of protection and disclosure clauses that exist for both franchisee and franchisor. In Ontario, these rights are listed under the ‘Arthur Wishart Act’ and there are similar laws in place in other Canadian provinces. It would be a wise move to look at the appropriate legislation in detail with the assistance of your franchise lawyer.You may have several queries regarding Canadian franchise finance loans, some of which are addressed below:Q: Is it possible to buy a franchise venture without formulating a business plan?A: It is not advisable to enter into any business venture without a business plan. Even if you are not involved personally in preparing it, it would be sensible to participate in its input and processing. This can have the effect of raising your awareness on practical and financial issues connected to your proposed franchise.Q: Are appraisals necessary?A: Yes, but the cost of the appraisal is certainly worth it as it boosts the lender’s confidence in the project and also reduces your calculated financial commitment to the franchise.Q: What would be the typical interest on a Canadian franchise finance loan?A: Currently interest rates are in the range of 5% to 6%, which is considered excellent for start-ups. Of course, your franchisor’s brand reputation and depth of market penetration will also count.Q: Where can you avail these loans and interest rates?A: These are available through the CSBF or BIL loan, also sometimes referred to as the Canadian Government Small Business Loan. Most franchise businesses are financed through this avenue. Of course, you may want to consult a reliable and trustworthy advisor experienced in franchise finance who will arrange this financing for your franchise venture.Q: Is the CSBF loan the sole method available for franchise finance?A: No, you have other options such as equipment finance to acquire fixed assets for the franchise, cash term loans and of course, your own money that you can invest in the franchise. All business ventures are typically financed by a component of debt or loan, along with the owner’s contribution of equity.Q: Is it possible to obtain a franchise loan without providing a personal guarantee?A: No. However, the CSBF loan needs a personal guarantee of just 25%.Q: Can a franchise business be financed without a down payment?A: No, definitely not. Whether you a starting a small restaurant franchise or a large manufacturing unit, all Canadian lenders will check out the owner’s financial contribution in the venture. As a franchisee, you have to strike a balance on how much to invest in the franchise.Remember to cover all legal aspects of the financing process with a franchise lawyer as these areas can be particularly complex for first timers in the franchise field. Ensure that you research all available finance alternatives exhaustively and work towards minimizing your financial risks.

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What’s the Hardest Part of Marketing Yourself?

In my Fast Track Marketing System I divide marketing into seven very specific modules:1. The Game of Marketing2. The Mindset of Marketing3. Marketing Messages (Your Value Proposition)4. Marketing and Selling Conversations5. Written Marketing Materials6. Marketing Strategies7. Marketing Action PlansAll of these have their particular challenges. But in my experience in working with thousands of Independent Professionals, it’s #7 that seems to be the hardest for most people.After all, most of the other 6 modules are all about preparation to market yourself.You learn the basics of the game of marketing, you work on your marketing mindset, you develop marketing messages, conversations, and written marketing materials, and ultimately choose the marketing strategies to get the word out.And then the rubber hits the road. You have to actually get out there and connect with potential clients through networking, speaking, an eZine, social media, emails, etc.For most, the bottom falls out of their marketing at this point. It simply goes nowhere, or more specifically it goes into the infamous “Random Zone” where things are done haphazardly and inconsistently.If people have worked to develop the whole foundation of their marketing first, know who their target market is, have put together a web site and have practiced their marketing and selling conversations, they are going to have more success.But even the well-prepared struggle with implementation.Why is putting action plans into action so hard? Here are three of the most common ones. Are they familiar to you?1. As soon as you start reaching out, you face possible rejection. What if your message, your talk, your emails fall on deaf ears? What if your potential clients could care less? What if they outright rejected your promotional efforts?We conjure painful mental images in our mind that stop us cold.For this one we need to work again on our mindset, on our thinking, realizing that if we reach out and people aren’t interested, that it’s not personal. They don’t hate us; either they are simply not good prospects right now or our message doesn’t have the impact it could.So reach out to new prospects and keep improving your messages.2. It takes way more time and effort than you ever thought it would. We think of marketing as a few promotional things we do here and there. This should be easy, we think. But it’s not.Time to do a reality check. Any marketing activity takes time, effort and commitment to make it work. Marketing is a bit of an art and nothing works perfectly on the first draft.You need to make detailed and realistic plans based on strategies that others have used successfully in the past. If you just make it up as you go along, your chances of success are very slim.3. It’s never good enough and although you might even know what you’re doing, you put off your marketing launches until everything is perfect… but it never is.What underlies this are beliefs about perfection, not being good enough and being judged by others. It’s not so much rejection you fear, but disapproval. What will others think of you?Well, if your marketing campaign isn’t relevant to those you are targeting, it’s not a big deal. They’ll just ignore it. They won’t think much about it at all. But for the ones that are looking for what you offer, they’ll not only be interested, they’ll respond.Your prospects are not looking for perfection from you; they’re looking for assistance and value. If you’ve got that, perfection is virtually irrelevant.I’ve done a whole lot of marketing action plans that were rejected by most people, took me a long time to implement, and were far from perfect. And most of them have made me hundreds of thousands of dollars!Marketing success is about know-how, value, commitment, and persistence. Everything else is just a distraction.The Fearless Marketer Bottom Line: There could be a lot of other things stopping you from following through with your marketing plan as well. The question is, where are you going to focus – on your fears and worries about rejection, time, and perfection – or are you going to focus on the value and difference you make and give your marketing plans a real chance?

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