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<title>Online Payday Loans or Open Financial Discussions?</title>
<link>https://acalzms.info/online-payday-loans-or-open-financial-discussions/</link>
<comments>https://acalzms.info/online-payday-loans-or-open-financial-discussions/#comments</comments>
<pubDate>Mon, 17 Jul 2023 22:40:11 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Online payday loan]]></category>
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<description><![CDATA[People who are afraid to talk about money may find themselves deeper in unnecessary debt than those who will discuss financial troubles. Could it be that they don’t know anyone who they feel comfortable speaking to? Maybe there is shame … <a href="https://acalzms.info/online-payday-loans-or-open-financial-discussions/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ People who are afraid to talk about money may find themselves deeper in unnecessary debt than those who will discuss financial troubles. Could it be that they don’t know anyone who they feel comfortable speaking to? Maybe there is shame involved and keeping it locked inside makes it more comfortable to live with. It’s tough to hide money problems in the closet with all of the other skeletons. You can avoid going into a closet, but it is much tougher to ignore a struggling bank account. How do you make it work? Do you keep things quiet and use online payday loans fast cash from the privacy of your home or are you willing to walk out into the community to ask a friend or family member?You don’t have to resign yourself to money problems just because you don’t make as much as you would like. There are people who make it work for less. You may not even need to approach the subject outside of your home. A solution could be found within the walls of your home if you open up the conversation to your spouse and immediate family.Money is a difficult subject to approach especially when things are spiraling out of control. Does your spouse have any idea of the financial situation? If the answer is no, you know where you need to start. Until you face your fear to tell the truth to your spouse your finances will continue to haunt you. How long should you put money matters off and continue to reach out to payday online loan lenders instead? She may never know unless you tell her, but is that the best choice for your budget? Never mind your budget, is it the best choice for your partnership?Break through the barrier to resolve money issues. Sit down with your spouse and get everything out on the table. Have an open conversation about your financial reality. Don’t assume your spouse understands. Unless both of you work the bills and monitor banks accounts, he or she may not have a clue. No one person has the perfect solution. Work together and resolve budget problems.Who affects your budget besides you and your spouse? Do you have children, family or friends that come to you with their hand out? You don’t have to include them in the discussion but you must be frankly clear that an open hand does not mean they get a handout. You can’t run up your credit bills or use payday online lenders to handle costs because you gave your money away. Make boundaries for those you help. Make it clear that you are not punishing them because they need, but that you are protecting your finances so you can be there to help in the future.If you owe money to friends and relatives, it is important to reopen that conversation and find a solution. Don’t take a free loan for granted. A relationship has greater value.Think about how much money you spend on your social life. Do you have friends who make more money than you do and can afford to eat out at the nicer restaurants? Don’t break your bank in order to attend every function. It’s okay to say no. A better solution would be to open up a conversation about how much money you are financially comfortable spending when you engage in social gatherings. Don’t place your credit at risk by overextending your affordability with the help of credit cards and short-term payday loans.The more money concerns you can get off of your chest the easier it will be to deal with the problem. It’s amazing how much clearer you can be when your mind is not clouded with stress. Make good financial choices and free yourself from continued debt worries.
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<title>Looking For HandsOn Homeschool Curriculum? Try Unit Studies</title>
<link>https://acalzms.info/looking-for-handson-homeschool-curriculum-try-unit-studies/</link>
<comments>https://acalzms.info/looking-for-handson-homeschool-curriculum-try-unit-studies/#comments</comments>
<pubDate>Sun, 09 Jul 2023 18:32:30 +0000</pubDate>
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<description><![CDATA[What are Unit Studies?Unit studies are focused, in-depth studies on a chosen subject. For instance, say you and your child would like to study ancient Egypt. You would gather books, materials and resources, develop a reading/activity schedule and time line … <a href="https://acalzms.info/looking-for-handson-homeschool-curriculum-try-unit-studies/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ What are Unit Studies?Unit studies are focused, in-depth studies on a chosen subject. For instance, say you and your child would like to study ancient Egypt. You would gather books, materials and resources, develop a reading/activity schedule and time line to follow. A unit study is generally designed to last anywhere from one quarter (3 months) to one semester (6 months), although they could be longer or shorter depending on how deep you choose to delve into the subject you are studying.Should I design my own unit study or buy a prepackaged one?That depends on how much time you have, how much money you have to spend and how confident you feel about putting one together yourself. Probably the most difficult task in putting together your own unit study is finding good reference, fiction and nonfiction books related to your chosen subject. This is very important, because these are the core of your study. If you are searching in your local library, especially if you live in a smaller town, it can be difficult to find what you want. Amazon.com is a good place to research books on your subject of study and, quite often, you can find these for a great deal on E-bay or at Abe books (http://www.abebooks.com).It can be quite fun putting together a unit study, but if this sounds a bit too overwhelming or you are new to homeschooling, you may want to start off with a prepackaged unit study.The anatomy of a unit studyUsing the example of Ancient Greece, a unit study generally includes these elements:
Core books: Depending on reading level: A Children’s Homer, The Golden Fleece, The Iliad, D’Aulaire’s Greek Myths.
Hands on activities: Design a trojan horse model, make a toga, put together a mosaic or make a traditional Greek meal.
Multi-media: Watch the Odyssey on dvd (for older kids), listen to Greek Myths on cd by Greathall Productions, explore a website such as Kidepede.
Notebook/writing: It is a good idea to put together some kind of a notebook to keep together all of the things learned in your study. This could be more simple for younger children with sketches or colored-in paged pasted in the book, photos of completed projects, along with short paragraphs or captions. Older children could be assigned essays on various portions of your study such as, “write a 500 word paper on the Peloponnesian war.” 
Prepackaged unit studiesBeautiful Feet: These are very well done. You can purchase just the unit study guide and gather your own materials or you can purchase a complete package which includes the books needed as well. *Of note, their materials are decidedly Protestant, so the Medieval unit study is a bit anti-Catholic.*Greenleaf Press: These are very Christian and not quite as comprehensive or as well laid out as Beautiful Feet, in my opinion. I particularly enjoyed the Old Testament study guide.KONOS: This a unique unit study program in that it can be used exclusively for teaching all subjects. KONOS studies one character trait such as Attentiveness, Orderliness, Obedience, etcetera, for a month or two. At the same time, science, social studies, art, music, great literature, health, safety, and Bible are integrated into the unit studies. Each volume is really a teachers manual, which always includes activities for K-8th grade.In conclusion, unit studies can be a great hands-on, family-oriented method of homeschooling your children. Whether you choose to supplement with units studies or use a complete curriculum like KONOS, you are in for some fun and exciting learning adventures with your children!
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<title>A New Science of Mind and Society?</title>
<link>https://acalzms.info/a-new-science-of-mind-and-society/</link>
<comments>https://acalzms.info/a-new-science-of-mind-and-society/#comments</comments>
<pubDate>Sat, 08 Jul 2023 19:02:12 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Science]]></category>
<guid isPermaLink="false">http://acalzms.info/?p=67</guid>
<description><![CDATA[A New Science of Mind and Society-Part One The reader will not here meet with any of those bold flights which seem to characterize the works of the present age… these generally arise from the mind’s collecting all its powers … <a href="https://acalzms.info/a-new-science-of-mind-and-society/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[<div id="article-content">
A New Science of Mind and Society-Part One
 The reader will not here meet with any of those bold flights which seem to characterize the works of the present age… these generally arise from the mind’s collecting all its powers to view only one side of the subject, while it leaves the other unobserved.
Charles De Montesquieu, The Spirit of Laws (1748)
Introduction
This article proposes a restructuring of science in a manner that would enhance human health, happiness, and evolution toward a more intelligently adaptive and creative global society. A method of reuniting scientific and spiritual values is described, and a general plan is suggested for making the transition to a syntropic science that would avert the crises anticipated to occur in the 21st century as a result of both technological evolution and the impact of human civilization on the Earth’s biosphere.
In the December 2011 Scientific American, “Ten World Changing Ideas” were featured. The tenth idea was described and discussed by David Weinberger in an article entitled “The Machine That Would Predict the Future.” Weinberger is a Senior Research Scientist at the Harvard Berkman Center and a Co-Director of the Harvard Library Lab. He is also the author of Too Big to Know (2012).
“The Machine” in question is actually a computing system being developed at the Swiss Federal Institute of Technology Zurich under the leadership of Dirk Helbing. Several universities and research institutions around the world support the project, and it was once considered the top choice to receive a €1 billion research grant from the European Union. Weinberger’s article, however, was subtly critical and may have influenced the EU’s ultimate decision to give the award instead to two other projects, one of them being the Human Brain Project (EU) which is designed to reverse engineer the entire human brain. Henry Markham leads this project in Lausanne, Switzerland.
Scientific American’s own brief synopsis of the Weinberger article reads as follows:

<ol>
<li>“Researchers plan to build a computing system that would model the entire world to predict the future.</li>
<li>The project would be powered by the enormous data streams now available to researchers.</li>
<li>Yet models are not perfect: many researchers think they will never be able to capture the world’s complexities.</li>
<li>A better knowledge machine may arise out of Web-like principles such as interconnection and argument.”</li>
</ol>
 Weinberger’s article is an excellent discussion of the problems associated with understanding and modeling large complex systems, and I am using it here as starting point from which to present a proposal for a New Science.

Weinberger asserts, correctly I believe, that we don’t have (a) a coherent theory of social behavior upon which to build a coherent social science. I will suggest one. He refers to (b) an exponential rise in difficulties when trying to understand all the layers in a complex system. I will suggest a basis for triage. He mentions (c) natural limits to models of complexity imposed by “two hallmarks of unpredictability: black swans and chaos theory.” I offer an approach to working with unpredictability. He describes (d) a tension between “a central organization taking charge” and “‘a data commons’ that anyone can make use of.” This is a well-known and resolvable system problem. Weinberger poses issues with regard to (e) a definition of knowledge. I have an opinion here, too. Lastly, he points to (f) a version of the uncertainty principle in social models that alter the behavior of the system as it’s being modeled. I love the challenge.
 Why a New Science?
Science can be an expensive activity, and scientists are sometimes accused of wasting money on trivial pursuits. Perhaps there are better ways to organize our quest for knowledge.
Science has long been put into service to defend particular political entities and their sometimes aggressive campaigns. It may be time to evolve past that.
When not put to use in support of religious organizations and movements, science is a fundamentally secular activity that is agnostic with regard to religious beliefs. Science, we should remember, was once a captivating new method of exploring and understanding the nature of reality.
As such, it was regarded with great suspicion by religious authorities. Following the trials of Galileo and Bruno, the French philosopher, René Descartes, rescued both science and religion by establishing the theoretical basis for a territorial divide: the Church would rule over the domain of the soul. Science would be free to explore the body, and by extension, the material Universe. It would surrender Universal Purpose, leaving that to the gods.
This artificial distinction worked for a long time, but like many compromises that satisfy temporal interests, it led eventually to some unhealthy situations. Most organized, monotheistic religions became increasingly dependent on a totalizing revealed truth and faith. The strength of faith-based religions lies ultimately in their unifying Absolute Value, i.e., God, an unchangeable value that is held to be more important than life itself and yet, it promises eternal life. If you doubt this, how would you explain the behavior of the Mayor of Greencastle, Indiana, in 1972, when he stormed out of a Sunday school class saying, “I would rather see my son die than have him treated by a doctor who is a Communist.” Was this not Abraham proving to us that one’s belief in God is more important than life itself?
Science, on the other hand, deprives us of dedication to such a value. It seems to be saying to us that truth is the ultimate value, yet it denies saying so, asserting that human values are outside the purview of science, and the truth is never fully known. To the extent that human values are studied by science, it is done from a position of neutrality.
In consequence, science became dominated by a variety of paradigms of analytic reductionism, narrowly-focused experimentation, null hypotheses; double-blind, placebo-controlled, cross-over studies; a Big Bang leading to Universal Entropy, classical Newtonian theory, Einsteinian Relativity, quantum mechanics, scientific modeling (always incomplete), and the concept of evolution by natural selection which led at times to popular fixations on “selfish genes,” “social Darwinism,” and eugenics. In the modern, secular world, we are bereft of the soothing attachment to an Absolute Value that includes the oxymoronic promise of “life after death,” a charismatic promise that survives by stilling the rational mind.
Yet in the faith-based societies, for example in the Republic of Maldives, everything seems clear, and the goal seems worthy of total dedication. In secular societies, it seems everything is tinged with skepticism, doubt, instability, and the potential for fragmentation. Secular societies, in particular, tend toward changing polarities of central vs. peripheral control, inequalities of wealth, and nationalism vs. either irredentism or globalism. Therein lies both the strength and the weakness of a civilization based on democratic freedoms, an openness to all ideas on the one hand, and on the other, to its corresponding struggles, especially, the various emulations of authoritarianism and libertarianism springing from within the undecided, the quasi-democratic context.
The ideology of science, still the best method for ascertaining truth within a limited domain, plays no small role in creating the alleged clash of civilizations that now distracts humanity from its core values relating to and derived from survival.
The need for a re-orientation of science, political economy, and secular education is clear and urgent.
We can preserve the best in science, philosophy, and faith-based spirituality by showing how they converge in a manner analogous to the concept, not surprisingly, of convergent evolution. They converge, because their underlying logic takes them step-by-step, via natural selection, toward a more adaptively and creatively form of intelligent organization.
Fundamental to this convergence is the concept of the Absolute Value. There has always been an unspoken Absolute Value, we will argue, that is intrinsic to both science and secular philosophy. It is this: The survival of human life and its ongoing evolution toward greater levels of adaptive and creative intelligence-made necessary by a constantly changing Universe-is an Absolute Value to humans-and to all living and lifelike systems.
OK, we already know this. We know we want to live, to breathe, feel, be healthy and happy. It’s so simple, and it’s not news to say we want to survive. Yet we are not-as individuals, large groups, or as a species-acting as though we were fully conscious of the fact that being alive, loving and being loved, experiencing well-being, and enjoying happiness is what is most important to us. We have become distracted from our central purpose, our primary organizing principle.
Every complex, lifelike system is organized around an Absolute Value, a Universal Goal: X is Absolute if no-X equals no other values. Thus if X equals Life, the absence of X means no-Life, and if there is no Life there are no values held by Life. Likewise, if there are no human lives, there are no human values. The same logic applies to faith in God. If there is no God, there are no God-based values. If there is no God but a belief in God there will be beliefs and values attributed to a God that doesn’t exist.
We can prove that human lives exist, but there is no proof that God exists except alleged proofs from human assertions that have not stood the test of logic. The point here, however, is that the evidence from the evolution of the concept of God and that from the evolution of Life itself is that both are evolving toward an Ideal that is a fundamental and natural organizing principle in all intelligent, complex, and adaptive information-processing systems.
The faith-based Ideal and the secular Ideal are essentially identical but for one major difference: the faith-based, “revealed” Ideal is believed to exist in a timeless spiritual realm whereas the secular Ideal is projected into a future material realm that can be approached but never fully realized. The difference between a spiritual realm and a never realized material realm? They are both an Ideal. The difference lies in the method of reaching for the Ideal.
Neither the faith-based nor the secular community should be criticized for their choice. The secular Ideal is just an extension of the spiritual ideal. The spiritual Ideal came first-when life was simpler and the material extensions of human abilities were limited. The least expensive way to bring people into a community with a better chance of surviving was to spread a belief system. Nothing but shared faith was needed to pursue its development and protect it.
Now we have many material extensions of our knowledge and abilities that can make us feel invulnerable behind the curtains that we draw between us. Only relatively recently, and perhaps too late, have we discovered the forces that make us all equally vulnerable and subject to dissolution by the material means we thought would save ourselves from each other.
But we’re not sure that it’s too late, and we can’t take the chance of giving up. The important thing now is to recognize that having an Absolute Value as a conscious goal changes everything. It is an evolutionary necessity that can potentially bring enough of us together in time to save all of us.
Adherents to both the spiritual and secular Ideals should be commended for their choice, so long as their attachment to their values promotes an ongoing evolution toward ever greater adaptive and creative intelligence. That has been the obvious choice, up to now, of the creator God, the reincarnation-based religions and philosophies, and the secular approach to living longer in state of well-being and happiness.
There are such minor differences as cancer cures, organ transplants, treatments that stop epidemics, and longevity extended to a much greater degree than existed before the rise to global acceptance of scientifically-based preventive and curative medicine, but for the faithful these are also the ways of God. And just as God’s existence can’t be proved, so too we cannot prove God’s inexistence.
Belief in God remains a powerful force in human affairs, and many human problems cannot be resolved without the support and cooperation of both faith-based and secular communities. The New Science, if it is to be based on the consciously promoted goal of survival and the healthy evolution of Life, must promote respect and cooperation between the two types of community by pointing out that, ultimately, our two types of Absolute Value are structured as nearly identical Ideals.
Even the methods of secular and faith-based decision-making on a daily basis are converging over time with both methods being increasingly employed and reinforcing one another. From a religious perspective, it can be argued that if a creator God created Life and us in particular then we ought to respect God’s decisions-insofar as they are actually “known” and understood.
 The Value of a Consciously Selected Secular Absolute
What might be the benefit to humans of having a secular [Absolute] Value? For one thing, it can be a unifying force in relation to conflicting streams of history and culture. An Absolute Value provides a unifying compass in Life, something that gives direction and the perception of a deep meaning to individuals, societies, cultures, and civilizations.
The West and its Enlightenment values are currently seen from the perspective of some cultures as void of any sense of an ultimate purpose in Life. This is threatening to those civilizations that base themselves on service to an all-defining Absolute Value.
The West has also been criticized, not without some justification, for veering toward a mindless consumerism and an existential ennui that derives from it’s having an anti-teleological stance in relation to human and spiritual values.
This materialist focus is seen as destroying the Earth’s natural environment for future generations as well as leading to an aggressive expansionism that in the past heartlessly disrupted the lives and cultures of more traditional peoples. The balance among peoples, nature, and meaningfulness is thus seen as seriously disturbed even as the wonders of science and technology amaze and seduce the human personality, drawing us out of our environment of natural selection into a strange new world that seems to have lost its bearings. We are seen within our own technological communities as an evolution toward a “singularity” beyond which we will neither understand the decisions of cyborgs nor those of AI machines nor the relevance of any human future. Is this the end result of Enlightenment thinking?
We don’t think it is. So let us very briefly outline the history and future of the human race as we envision it from the syntropic perspective. The evidence indicates we came into being in Africa, migrated in waves out into the rest of the world, evolved different races and cultures in relatively isolated ecosystems, flourished and expanded. The human family is now growing back together. However, at the present stage we are still engaged in tribal-like divisions, mutual misunderstandings, and violent conflicts that debilitate and actually make us an endangered species despite the obvious successes and present vitality of modern human societies. The conditions that now threaten all of us require that we begin to think in new ways, but we’ve been slow to let go of the old ways.
Thus two of the reasons for proposing a New Science are (1) to further the establishment of peaceful connections among the peoples of the world, and (2) re-establish an ongoing balance between our whole species and the natural environment that sustains us.
Thirdly, we are too slowly waking up to the issue of a human trend toward extinction via an unintended self-destruction by those very means that are lifting us further up and away from our early Garden of Eden, an environment that has been characterized as paradisical but may have actually been filled with lives that were poor, nasty, brutal, and short.
A fourth justification for establishing a New Science is that numerous studies have shown that humans are healthier and happier when we have a sense of purpose, when our lives are meaningful in relation to something larger than ourselves, when we share values with others, and when we stimulate, challenge, and are eventually rewarded by success at what we do.
Fifth, a branch of science devoted primarily to military defense and offense in the modern world is more than just wasteful. It is necessary as long as we are divided into sovereign nation-states, but it is based on a logic whose end result is genocide or self-extinction-the ultimate bad ideas.
Sixth, the technology that now exists, or that will very soon exist, enables a new science of complex systems.
Simultaneously, the Internet, together with increasing inequalities, racism, and ethnocentrism, is producing a regressive, retribalization of the “forgotten people” that need jobs and a sense of purpose. Currently we are fostering isolated, sometimes vastly overcrowded communities based on values and misrepresentations of facts that keep Special Interests happy-while the overall trend is antithetical to authentic democracy.
We need new methods for re-integration of isolated belief systems within carefully authenticated democratic decision-making processes that the vast majority of peoples can believe in and support. New ideas and technologies can not only help with that, they can transform the game, but the ultimate solution-for machines as well as for people-is faith in a Universal Value that encourages an ever greater adaptive and creative intelligence.
End of Part One.
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<title>Online Business Systems – Do They Work?</title>
<link>https://acalzms.info/online-business-systems-do-they-work/</link>
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<pubDate>Fri, 12 May 2023 09:44:12 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[best business ideas]]></category>
<category><![CDATA[best online business]]></category>
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<category><![CDATA[how to make money online]]></category>
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<category><![CDATA[start online business]]></category>
<category><![CDATA[starting an online business]]></category>
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<description><![CDATA[Online Business Systems – Do they work and how efficient are they?Since work at home jobs become more and more in demand every day, many different types of online business systems have been improved to help the rising demand. I … <a href="https://acalzms.info/online-business-systems-do-they-work/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Online Business Systems – Do they work and how efficient are they?Since work at home jobs become more and more in demand every day, many different types of online business systems have been improved to help the rising demand. I am an entrepreneur online and I have encountered many challenges in operating some online business systems.To begin an online venture can be simple but standing out among others is quite challenging. I have tried many different online systems. Let me tell you my story.The online business systems of years ago were not very efficient compared to what we have now. I am an e-book vendor online and I needed writers and promoters who can help me sell my books. I went through the net and found various ways to post my need for employees. Back then, there were few online stores available so I had to find more ways to sell my books.It was hard, I tell you. Looking back, I could not imagine how I did it, but I did with effort and patience. The generations of today are lucky to have very effective and efficient business online systems wherein they can do business much easily and faster than ever before.Moreover, I remember I had a hard time looking for employees because of a lack of applicants. Many jobseekers were afraid of scams. Well, back then, online job scams were very frequent. Hundreds of online job seekers were being discouraged because of the scams they experienced. Right now, more online business systems have found ways to screen online jobs and the applicants more securely. This is so to provide credibility and assurance to job applicants.Jenny, a good friend of mine said she has tried applying for a job. She was very happy because she got hired. Unfortunately, after a month when she was already about to get her first salary, the employer suddenly became awol – no replies, idle Skype and the site became idle as well. Jenny got so frustrated she even discouraged me into going online and looking for work. But I still wanted to continue my dream. I never stopped despite all the rough times I had to go through.After 2007, slowly online business systems became faster and more efficient. I was surprised that there were more and more online retailers; more and more sites opened up and online jobs were increasing. I found out in a report that online experts and enthusiasts have found ways to improve the systems due to more innovations in technology and software.You see folks,normally the unemployment rate increases each year but with the help of work at home jobs, it is becoming less so. The economy also improved for most countries. The recession affected so many economies but with the advancement of online business systems, lives have become better.Right now, I sit in my home office, thinking – Life is so good. This time, for me, online business opportunities have become so convenient, my life has also became so much easier. I could just smile looking back and thank God that I did not give up during the hard times. I feel very blessed today. I have more than three businesses online. I am earning more than what I need by just sitting and clicking.I encourage the generation of today to try working online. Experience the comfort of having to earn thousands of dollars while at home; take comfort in the fact that these systems have become more competent and secure than ever before.If you want to know how effective online business systems have been, check Google or better yet try your own online business and discover for yourself.
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<title>Outsource Your Business Telecommunications Needs – The Best Deals Without the Stress</title>
<link>https://acalzms.info/outsource-your-business-telecommunications-needs-the-best-deals-without-the-stress/</link>
<comments>https://acalzms.info/outsource-your-business-telecommunications-needs-the-best-deals-without-the-stress/#comments</comments>
<pubDate>Fri, 12 May 2023 04:22:26 +0000</pubDate>
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<category><![CDATA[Telecommunications]]></category>
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<description><![CDATA[A business phone, a mobile phone and an internet connection are integral for any company to succeed, however there are that many companies and plans out there that it may be extremely hard for a businessman or women to make … <a href="https://acalzms.info/outsource-your-business-telecommunications-needs-the-best-deals-without-the-stress/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ A business phone, a mobile phone and an internet connection are integral for any company to succeed, however there are that many companies and plans out there that it may be extremely hard for a businessman or women to make sense of the plans and choose the best telecommunications deal. The purpose of this article is to show you the benefits of outsourcing your telecommunications requirements to a consultant so that you can get the best deal. Here are the reasons why you should outsource your phone and internet needs to a specialist consultant:- Business Telecommunications Plans Change Every day- Telecommunications is an extremely competitive industry with new competitors and plans appearing seemingly every day. A good consultant will keep abreast of all of these new plans and will be able to proactively work to moving your accounts to one of these new plans if they are best for your business.- A Business Telecommunications Consultant can both save you money and boost profits- A good consultant will get you the best deal available but also understands that the right telecommunications solution will not only save you money but can help grow your business. This is because a great consultant can give you advice on new telecommunications technologies that may help grow your business.- Concentrate on your core business and make more money- Unless you are in the telecommunications industry, it is not what you do to make money- your core business. If you make the leap and outsource your phone requirements to an expert, then you will be able to spend more time concentrating on your core money making activities. Then your company will become more profitable on two levels. You will save money on your phone bill, and make more profits by doing what you do to make money.Every business owner wants the best telecommunications deal. The easiest and best way for you, as a business owner, to do this is to hire a consultant to manage your needs.
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<title>Personal Finance Saving Options</title>
<link>https://acalzms.info/personal-finance-saving-options/</link>
<comments>https://acalzms.info/personal-finance-saving-options/#comments</comments>
<pubDate>Thu, 11 May 2023 14:02:55 +0000</pubDate>
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<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[basic finance]]></category>
<category><![CDATA[finance]]></category>
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<description><![CDATA[There are many options available to one when he or she begins to think about creating a personal finance strategy to help meet their financial goals. Suggested by many is creating a personal strategy to meet financial goals while growing … <a href="https://acalzms.info/personal-finance-saving-options/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ There are many options available to one when he or she begins to think about creating a personal finance strategy to help meet their financial goals. Suggested by many is creating a personal strategy to meet financial goals while growing one’s wealth. There are many opportunities offered by banks and credit unions available and an understanding of them will help when one decides to look for one that meets his or her special needs.Savings accounts have proven crucial when it comes to successful personal finance and although traditional simple savings accounts can offer peace of mind, they do not offer the rewards of other types of savings options. One aspect a person may consider is the investment into CD’s. CD’s are a great way for a person to invest their money into the banking system with less risk than that when one invests his or her money into other avenues.CD’s are for people who can afford to invest their money over a given time period. After this specific time period, one can cash out their CD for its value along with the interest it has accrued. CD’s normally have a time period until they meet their maturity. One will invest a specific amount of money, normally at least five hundred dollars, and gain interest on that investment which is typically higher than traditional simple savings accounts.CD’s usually have an investment of six months, nine months, twelve months, and some even five years of a period where one’s money is invested. Normally, the longer amount until maturity will offer one a higher percentage yield upon cash out. One should note that although these offer better returns over simple savings accounts and money market accounts, the rules are more strict than they are for the other more traditional savings accounts.When one invests in CD’s he or she is not allowed to make any withdrawals of that money until it reaches maturity. This can be limiting for some in the fact that traditional simple savings accounts will allow withdrawals at basically any time in case of an emergency. However, this is not the case when dealing with CD’s. CD’s must mature before you are able to cash them out. When you invest in a CD, the money no longer is yours until the time period has been realized and although if there is any emergency and you must withdraw money, you will be penalized far greater than with other savings accounts and may actually lose money depending one the terms and conditions are with the bank that you use.No matter if you choose a CD, money market account, or traditional simple savings account, one must always be sure to read the fine print in the terms and conditions. Make sure you understand the terms clearly and you know exactly what the positive and negative aspects are before sticking your money anywhere.
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<title>Online Advertising for Small and Medium Enterprises – A Huge Marketing Advantage</title>
<link>https://acalzms.info/online-advertising-for-small-and-medium-enterprises-a-huge-marketing-advantage/</link>
<comments>https://acalzms.info/online-advertising-for-small-and-medium-enterprises-a-huge-marketing-advantage/#comments</comments>
<pubDate>Thu, 11 May 2023 09:09:17 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[advertising]]></category>
<category><![CDATA[advertising agency]]></category>
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<category><![CDATA[creative advertising]]></category>
<category><![CDATA[digital advertising]]></category>
<category><![CDATA[facebook advertising]]></category>
<category><![CDATA[false advertising]]></category>
<category><![CDATA[online advertising]]></category>
<category><![CDATA[targeted advertising]]></category>
<category><![CDATA[tv advertising]]></category>
<category><![CDATA[visual advertising]]></category>
<category><![CDATA[what is advertising]]></category>
<guid isPermaLink="false">http://acalzms.info/?p=58</guid>
<description><![CDATA[The importance of online advertising for Small and Medium Enterprises (SME) can never be understated. It is also complete misguided thinking from the SME fraternity, that advertising will be expensive, time consuming and that the results are not always guaranteed.Advertising … <a href="https://acalzms.info/online-advertising-for-small-and-medium-enterprises-a-huge-marketing-advantage/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ The importance of online advertising for Small and Medium Enterprises (SME) can never be understated. It is also complete misguided thinking from the SME fraternity, that advertising will be expensive, time consuming and that the results are not always guaranteed.Advertising for small business is extremely importantWhy in the world is there a need for advertising? Why do giant conglomerates advertise? If such gargantuan companies find the need for advertising, shouldn’t there be an even bigger demand for local community advertising?Simply put, all companies whether big or small, advertise with the purpose of increasing their revenues and sales. But in saying so, it should also be put quite clearly that advertising could become expensive if you do not make informed decisions. Your final decision must be based on comparisons and true value for money.Thus, the importance of online advertising for Small and Medium Enterprises must be understoodWhen huge corporations are spending a fortune on advertising, is it not understandable that small business can also benefit from this practice? Conceivably, it will be on a much lower scale and the advertising will be aimed at the local community and areas of operation.The advantage of advertising cannot be neglected, as it enhances the image of the company, and brings the goods and services right to the forefront of potential buyers. It is this particular power of advertising that gets companies noticed, and extends their marketing footprint. Ironically, the smaller the company, the more it should spend its efforts on advertising because the potential return on investment is directly linked to this.The uncertainty of advertising is a low risk considerationThere is always a risk with advertising as the results can never be known for sure. This is the very reason why advertising is spread over TV, radio, newspapers, magazines and the internet.Online advertising is extremely important, more so for small businesses and in the case of small companies catering to local businesses. This is because online advertising can target extremely specific markets that cater for niche products and services.The advantage of advertising by targeting markets onlineThe target market is the market which has people who are ready to spend on what you are selling. By advertising online, Small and Medium Enterprises are addressing the needs of these clients very effectively. By catering to very specific niches of consumers, you are honing in on people who are quick to take a buying decision.After all, when so many millions of people are now relying more and more on the internet, what better way of advertising to them than by advertising online?What is the BIG advantage of advertising ONLINE?This form of advertising is highly effective as it allows advertisers to get a direct response from consumers and this is beneficial to both the consumer and the seller. Every small business owner has a computer these days, so even a simple but well structured email marketing campaign, has the potential to effortlessly reach clients.Thus understanding the importance of online advertising for Small and Medium Enterprises is extremely important, more so in the case of advertising for small business and local community advertising.
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<title>Down Payments On Business Loans And Where You Can Get Yours</title>
<link>https://acalzms.info/down-payments-on-business-loans-and-where-you-can-get-yours/</link>
<comments>https://acalzms.info/down-payments-on-business-loans-and-where-you-can-get-yours/#comments</comments>
<pubDate>Fri, 17 Mar 2023 17:06:30 +0000</pubDate>
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<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://acalzms.info/?p=56</guid>
<description><![CDATA[All small business lenders – banks, private lenders, alternative financing companies, SBA, etc. – have one major thing in common. They require some form of down payment.Let’s say that you are requesting an unsecured business loan from your bank. And, … <a href="https://acalzms.info/down-payments-on-business-loans-and-where-you-can-get-yours/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ All small business lenders – banks, private lenders, alternative financing companies, SBA, etc. – have one major thing in common. They require some form of down payment.Let’s say that you are requesting an unsecured business loan from your bank. And, you are asking for $80,000 that you want to use to purchase some inventory and supplies as well as to bolster your marketing efforts.And, your bank approves that request. However, they only approve 80% of your requested amount or $64,000. What?Or, your business is in need of a new routing machine to handle your ever increasing customer load. The equipment costs $50,000. Your lender approves your request but will only fund $40,000 or 80% of what you need. Huh?Or, your business has $100,000 in outstanding invoices just waiting to get paid by your customers. Yet, you have new orders coming in everyday that you just do not have the cash on hand to start or complete. Therefore, you approach an asset based lender or accounts receivable factor and ask for an advance on those invoices that will pay within the next 30 days. However, the lender will only fund 80% or $80,000 against those invoices – even though they take control of 100% of their face amount. Really?Down PaymentsWhy do lenders require down payments? It all started with banks centuries ago. They determined, through trial and error – mostly error – that if a borrower were to put at least 20% down – have 20% of their own money attached to the loan – then they are 80% less likely to just walk away from that loan should the going get tough.Thus, they determined that 20% in a down payment was both enough to better ensure that their borrowers will repay those loans – the one thing they want the most – and that 20% was enough of an amount (high and low) that only serious borrowers would and could be able to raise that amount.In fact, when the government got involved in the banking and lending industries, this down payment figure of 20% was one of the first things that they agreed on as a standard practice and now hold these lenders to that standard.Bottom line is that having a down payment in nearly all lending – mortgage loans as well as business loans – is now the standard and is already calculated in their underwriting process. Thus, you request a business loan for $100,000 – the lender already marks it down by 20%.Now, leave it to the SBA to throw a wrench into this discussion. The SBA has a business loan program – their 504 loan program – which helps local small businesses finance commercial real estate or business equipment in their local areas. These loans are secured – 100% – by the real estate or equipment. Thus, with this specific loan program – this secured loan program – the SBA lowered its down payment requirement to 10%. Still a down payment but less of a burden on the borrower.Types Of Down PaymentsNow, there are essentially two forms of legitimate down payments.1) Simply cover the 20% with your own cash. You need $80,000 for your equipment purchase, the bank will provide 80% or $64,000 and you cover the other $16,000 out of your own pocket.2) You have built in equity in the item being bought with the loan. Here, you are buying a commercial property to expand your small business (and quit paying outrageous rents). The purchase price is $250,000. Yet, that price is only 80% of its market value – the market value is $312,500. Thus, the difference between the purchase price and the true value of the property is the 20% – 20% equity in the property.Where To Get That Down PaymentThere are several ways that you – the business borrower – can get that required down payment as most small business owners either do not have that kind of cash on hand to cover the 20% or just do not know where to obtain it.Don’t Pay It:1) Negotiate with the lender. While this does not provide you the equity to put down – it can alleviate that requirement all together. If your business is strong enough and the lender really wants to work with you – then negotiate that requirement away – and get that lender to cover 100% of your needs.2) Negotiate with the seller. If you are buying a physical asset like equipment or commercial real estate then negotiate the price to 80% of the asset’s value. Kind of hard to do these days with property values being as low as they are and that most equipment vendors do not have control over their prices – but, if the person wants to sell as bad as you want to buy – then they will find a way to work with you – they always do. MSRP prices are more wish lists then actual prices.Find The Money:3) Personal loan. Do you have equity in your home or other personal assets? Can you get a personal loan based on the personal income you do have? Can you tap some other source of personal income or equity – that 1) does not relate to your business and 2) does not put an additional burden on your company?Most lenders will find out about all of your business debt and most of your personal debt during their approval process. Know that with the business debt, they will include that in their underwriting process when approving your business loan request. And, if they find out that you took another business loan to cover your down payment – they tend to frown on that. But, if they find out that you have a personal loan – even if they know that you did that to cover your down payment – it is still a personal loan and something that ties you personally to that new loan request – means you might get away with it.Or, try to get a personal loan from a friend or family member. This way, it is not reported anywhere and very hard for the new lender to find out about it. This could be a loan or even an equity injection for stock or ownership in the company. Either way, it should not directly affect your new loan request.The idea here is simple. Let’s say that you need a business loan for $100,000. You request that amount at 8% for three years. This would set your monthly payment at $3,134. But, if the lender will only approve and fund 80% or $80,000 – then your required payment would drop to $2,507 – leaving the difference of $627 to cover that personal loan you need for the down payment ($627 is more then enough to cover the $20,000 personal down payment loan for the same term at the same rate).4) Sell off unneeded or unused assets – personal or business. This way you get needed money from assets that you don’t need or want and you don’t have to pay that money back – it is free and clear for you to use. Thus, while you are only getting 80% of your requested loan amount – you only have to pay for that 80%. And, the $627 difference – outlined above – is money that you now don’t have to pay to any lender – it is added money in your pocket or for your business.5) Lastly, use your business. Let’s say that your business needs a $100,000 to expand. Now, it could get a loan now or it could save up its own money – its own profits – for the next 3 years (your business has to be generating some form of profits for you to be able to afford the loan payments in the first place – thus, it can just save that money itself).But, not wanting to or not seeing it as a viable option to wait 3 years – your business can just save that money (profits) for that down payment only – save for 7 months or so to get that needed 20% – then request the loan. This would have the same benefits of selling off assets for that needed cash without losing the use of those assets. The only requirement here or burden on the business is time – the 7 months.ConclusionDown payments are one of those facts of life like death and taxes. If you are seeking a business loan, you have to think about how you will come up with the down payment.Know that with anything in business – this challenge can be overcome just like you overcome all other challenges – by working them out. This means that where there is a will there is a way and the best way to handle this financing requirement is to know about it up front and plan for it from the very beginning.Far too many business owners – who finally get to the point that they can seek outside financing to take advantage of growth opportunities – end up only getting that down payment slap down – having not known of the requirement before applying for their business loan and ultimately getting that request turned down.Don’t let this happen to you – especially when it is you who can prevent it.
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<title>Don’t Believe the Hype About Online Business</title>
<link>https://acalzms.info/dont-believe-the-hype-about-online-business/</link>
<comments>https://acalzms.info/dont-believe-the-hype-about-online-business/#comments</comments>
<pubDate>Fri, 17 Mar 2023 15:15:55 +0000</pubDate>
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<description><![CDATA[Running a online venture is so easy anyone can do it – sitting around in your pyjamas answering a few emails – right? Making money whilst sipping a margarita on a sunlit beach is everyone’s idea of a successful business … <a href="https://acalzms.info/dont-believe-the-hype-about-online-business/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Running a online venture is so easy anyone can do it – sitting around in your pyjamas answering a few emails – right? Making money whilst sipping a margarita on a sunlit beach is everyone’s idea of a successful business – but is it all hype?I hate to break it to you but to make an online business successful, you need to realize that hype is just that – hype. Let’s explore some common misconceptions:There’s less competition – Compared to traditional businesses, competition online is fierce and fast. You have 3 eyeball seconds to interest your customer in your offering. They can move on with the click of the mouse and they will, unless you can draw them in to enjoy your particular brand of the online experience.There’s no overhead: The only overhead you don’t have in online business is retail rent, that is if your business sells products. Unless you are running your business out of your home, which is a great way to start, your business will need premises eventually as well as staff and all the other business tools traditional businesses use.There are no barriers to entry: It’s true that anyone can start a website, but making it successful does have barriers to entry. For example:
Trust – Many consumers still don’t trust websites, how will you build trust in a sea of websites?
If you build it, will they come? – It takes time for a website to list on search engine results. In the meantime, how will your customers know your website exists?
Difficult Suppliers – Each industry is different but some suppliers will refuse to sell to you when they find out you’re online.
Price – Remember my first point about competition? Price comparison online is easy, and the switch for a $2 saving is just a mouse click away. 
I can work in my pyjamas: You will definitely work in your pyjamas, late at night catching up with overseas suppliers in a different time zone!I won’t need to pay anyone: If you want to start an online business, chances are that you are awesome with computers. But what about HTML, SEO, eyeball seconds, conversions vs. visits, abandoned carts, FTP, API, product feeds? Eventually, you will need to hire an expert or two.Don’t get me wrong, I love online businesses and there will be points in the life of your online business when you have a clear advantage over the bricks and mortar competition. But the truth of it is that a successful online business still needs investment in time and money, commitment, passion and a drive to solve problems quickly.The good news is that there are solutions to every business problem, so if you have a passion for online business then I say go for it! Just make sure you enter the sector with your eyes wide open, plenty of investment dollars, time, patience and a willingness to see past the hype – in the end it’s worth it.
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<title>Starting an Online Business</title>
<link>https://acalzms.info/starting-an-online-business/</link>
<comments>https://acalzms.info/starting-an-online-business/#comments</comments>
<pubDate>Fri, 17 Mar 2023 13:41:38 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://acalzms.info/?p=51</guid>
<description><![CDATA[Yes, one of the best ways to start on an online business is to do something you already know well in your life. Have you had some sort of experience or gained expertise in your life.You might feel a blank … <a href="https://acalzms.info/starting-an-online-business/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Yes, one of the best ways to start on an online business is to do something you already know well in your life. Have you had some sort of experience or gained expertise in your life.You might feel a blank moment coming on right now… but everyone has lived and experienced life in some sort of way and learnt something from it.Or you have learnt a skill from a former job, or in fact a job you are doing right now.I want to clarify these most important things right now. Not only for the new people who are thinking of trying to start an online business for the first time, but for all those people who have already tried a new online business and it is either not going well for them or they gave up too early.I want to say that like most things, failure is only a setback not a result. So lets get you on the right track in getting back into either, trying your online business again, or for those people who are just starting an online business for the first time.Let’s get straight down to some points that are the most important thing when deciding what sort of business you want to do and how to begin.
What sort of business theme do you want to do?
What sort of business do you want to do online?
The best place to get started. 
What sort of business theme do you want to do?As I have mentioned previously, you have had many experiences in life and have learnt allot through them. Can’t think of anything right now?… this is where you need to get your pen and paper out and start writing down these thoughts, and run with them.There are many different areas you could get into, say you are interested in, or have experience in farming. You have learnt so much over the years, the trials and pitfalls of your trade. Or you might have a hobby that you have done for years and have a wealth of experience in doing it, where to get your supplies from and how to take shortcuts that you have learnt through trial and error.Are you seeing the picture now? it does not matter if its your work, hobby or an experience that to have learnt from in your life, no matter how trivial it might seem. To other people who might be going through this exact thing in their lives right now, you might be able to have many answers that they could be looking for.So get that pen and paper out and start writing down what interests you, what you have learnt, and your knowledge in a certain area.What sort of business do you want to do online?In fact, there are many different areas you could do in your online business. Knowing what sort of area or areas you want to do is a matter of your own personal choice, this is something you need to look into.There are such areas as: affiliate marketing, writing for others, lead sales, referrals, and the list goes on. But you do need to know what all these terms mean and learn about them and what would suit your area best.You may have done an accountant course and you would like to have clients, but don’t want to go to a 9 to 5 job every day; or you just want to do part time work. You might like to do it as a secondary job on the side to the job you already have.Now… on the internet where you can reach almost anyone in the world these days, you a have a vast audience of prospective clients to work for. And the best thing about starting an online business is that you can work over the internet and where there is an internet connection you can work any hours and in any place you like, even in a swamp if you so choose.The best place to get startedThis is an area that is most important and we need to cover it, in more detail…All that we have talked about can come to fruition. Like I said previously… I have spend hundreds of hours and many years studying up on online marketing and still, to this day, it is forever changing.Why? you may ask… the world changes, trends change, and needs change. If one country goes into a recession and another comes out of recession, nothing stands still, so you need to change with the trends and world climate as well.Also I want to tell you that there is allot of noise out there… what is this I hear you say? when I talk about ‘allot of noise’ its like the radio waves that are bombarding us every day, floating around in the atmosphere. But what if you did hear all the noises, you would get confused with what to listen to, am I right!Welcome to the internet, the world of business. And it can get quite confusing out there. You hear one thing and you hear another, then the trending lists of what’s going on, and what’s best to do at the time, you could go crazy with trying to take it all in.Some of this information is beneficial for you, while others are not. You also have to look out for the scams and the people who are trying to make money selling you something to help your business (so they say) that you don’t really need. You need to get back to basics and clarify what is best for you now. Start fresh and simple, this way you will gain more knowledge and progress further at your own pace. I have seen too many people try to get ahead of themselves and fail. And fail in big numbers!I have been there also, and gotten up and started again; re-learnt and worked out what I have done wrong. I have got too far ahead of myself and wasted precious time. But I have learnt allot. And that’s what its all about. Starting an online business is much more mature in structure these days, the internet and selling have come a long way from what it used to be many years ago.So to sum everything up… are some words I want to give you to start you on your way. I am not saying you are not going to muck up and make mistakes, that’s just part or learning. But this is a constant game of learning to keep up and shine your own light of success in your online business.I still make mistakes and have lost time thought either doing something the wrong way or a slower way. Not taking in everything I should have, and had to go back an re-learn the right way. But what I can say is that we all need to learn and I found the perfect place to do this and with everything at your fingertips and even a forum to chat with other members which is very enlightening.It does not matter in the future if you stick with them or not, even incorporate them into your business and also branch out on your own as well. But to start with them, cuts out allot of that noise and you really get to learn the foundations and really know what you need to learn on starting an online business and I recommend them whole heatedly to get you going. You might like it so much you may not want to leave, but if I had started with them firstly, it would have saved allot of time for me.Not only do they help you decide what you may choose to do, and how to do it. The different selling areas and jargon as well. You get access to tools that would cost you so much elsewhere individually. And all the advise you need. Avoid all the noise and go with one teacher who knows what they are talking about. Because going it on your own could lead you to other teachers who claim to know what you need to learn, only to withhold the last bit of information of success that can lead to your time wasted and failure.As I say, build a good foundation and then you decide where you want to go from there, stick with them or not, but you need the right knowledge to start with, then you will have more of an idea when other online teachers are trying to trick you out or your money, or not. And I am still watching out for these scammers, and sifting through what is good and what is not to this day. And the right knowledge will give you this power also.I am going to give you a link that you can go to on my site and you can go and have a look at it for yourself. When I joined, there was no free trial or pay as you go every month. But now there is and they have also expanded into word press, you don’t have any worries about being tied down to a long term investment.What I can tell you is my respect for this system and how much I have learnt from it. If you start no where else, start here. I wish I had that opportunity. But… if nothing else, read the wealth of free information they have on their pages, I will also grab some of these links and put them on my page for you. And they also teach you in video format, if you like… (which I love).Don’t be afraid to start again in starting an online business, or starting an online business for the first time. One of the biggest things for failure is lack of the right knowledge, determination and discipline.If you need more discipline in business, that’s what my website is about. Go have a look for your self.
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