Biz Marketing 41!

Biz Marketing 41

Issue No.41 Wednesday, April 06, 2005

Published and Distributed FREE Monthly By-

Khalid Osman's Publishing Institution (KOPI)

In This Issue of Wise Biz Newsletter:

Special Invitations
Top Wednesday Thought: ... Vision!
Intro/ Publisher Main Spot: Informatics: Sell Information By Mail!
Guest Coolest Corner: How to Get the Bill Collectors Off Your Back?
The Web Market Place: Where to go shopping (From needles to rockets;-) save money or make money!
Resources: Search engines and other HITS Quarters

Biz Marketing 41st Special invitations:

Are you a journalist, or had you ever been?

Then join the Journalists Internet Café here at my HOAs Journalists Project. The political network is at HOA's Political Scene. It's more than a Journalists' Internet Café. You can be a reporter from the area.

It's an International Gathering also, where you can develop your profession, career and passion, get new ideas, keep in touch with new people from the same profession, exchange experiences, make new friendship, develop new thoughts and innovation about The International Peace and make the Globe intact.

Not a journalist, but want to discuss or read about the Horn of Africa?

Well, join our blogs and post comments and articles. If you would like to post anything that has its African flavor and could be useful link to posts in Arabic and English, just at those links above.

Biz Marketing 41st Top Wednesday Thought: ... Vision!

"Vision without action is a daydream, Action without vision is a nightmare".

Japanese Proverb

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Biz Marketing 41st Presents!

Would you like to get everyday thoughts free with your café au lait, tea, soft drink or breakfast?

Visit those intellectuals online and get the insight of your life everyday here at How to Creating Personal Happiness and the Case Studies.

Thank you "Presents" for being (Biz Marketing 41) Ezine reader:

Could we send you invaluable FREE ebooks to learn how to profit online?

Recommend Wise Biz Marketing 41, (WBM) Newsletter to your friends and let them subscribe to it. Forward Wise Biz Marketing 41 and you'll get your gift when you did.

Visit also those students to see first-hand the quality of the tools they use to improve their economical situations, while they are still students.

Put the lessons (completely with proven methods) you learn from them into action to work for you.

Biz Marketing 41, the E-Newsletter is full of the best methods to achieve self-improvement, career and online biz development and it helps you to manage some other financing issues.

Biz Marketing 41 - Publisher Main Spot:

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Sell Information By Mail!

We've a new article on the "Guest Column" to help you get the bill collectors off your back. There are waiting articles about how to collect debts, as well we'll publish later at that column.

The articles provide good insight into this subject, just like the other articles that get you the information you need about some financing issues and about some other concerns you get involved in to improve your life.

So, basically the newsletters we publish here are informational. But, before getting to the financial information in the article in this edition of Biz Marketing 41.

Read the following information to know how easy it is to start your "informatics" system to offer in demand information that most of the people interested to get on the Internet.

Pick the ideas to know how to make it an online profession based of "information", just about things that interest you and many other people.

We've received this free info to be distributed to our readers from one source long time ago. However, it is still required, as we see on the information searches.

Information is a time-tested product that will continue to make money particularly now that we have so many options and the society we live in is constantly hungry for information.

The age we live itself is the age of information, whereas the information industry travel like rocket to every place in this planet.

Information about how to better our lives, particularly reports and other varieties of materials that show us ways to improve our livelihood, our careers and our way of living lead the list.

These are the best items you can sell by mail. BUT THINK ABOUT THIS: Marketable information need not always be in printed form.

The electronic media, such as audio tapes, video tapes, and computer disks are taking over from what was once the exclusive domain of (paper and ink) printed materials.

Of course, you can still sell pre-written materials or very easily create your own. You can write an informational report in an hour that will create income for the rest of your life!

The thing you need to know is...what is the best type of information to sell?

Exercise with Choose It. Just enter the basic information you are looking for in keywords, prioritize them and look at the result, when you proceed. It will show you something amazing.

You will make the most money by selling MONEY-MAKING information. Books that tell how to start different businesses, short reports on business topics like increasing advertising effectiveness or new business ideas, or manuals, are all very viable, and often, high selling ideas for informational products.

The best way to break into this field is by reading the mail order publications you get in the mail. Pay attention to what others are selling, and order some of the things that look good.

Read through them, and look not only at the content but at how it was produced, and how long you think it would take YOU to produce something like it.

Find things you could improve upon. The best sellers and easiest to produce will be short reports. You can produce a 4 to 6 page report and sell it easily for $5-$10, depending on the topic.

Just be sure your content is packed with information your customer can benefit from, and push those benefits in your advertising.

Also, when you find a good product, contact the seller and negotiate terms for you to sell the product.

You can begin right now. Subscribe to the Wise Biz Marketing Newsletter and receive business reports and free download to some useful business resources...

I assure you, all of this will make your day. Enjoy

Khalid Osman

Wise Biz Marketing 41 Senior Editor

Biz Marketing 41 - Guest Coolest Corner:

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How to Get the Bill Collectors Off Your Back?

Sometimes, the formal and legal declaration of personal bankruptcy is the best way to go when you're "snowed under" with bills, and you just can't see your way clear to survive.

Actually, bankruptcy allows you to make a fresh start. Generally, it takes only a small amount of money, a careful evaluation of your assets and your liabilities. In many cases, a lawyer is not necessary.

If you have very few assets, mountains of debt, and not enough income to meet your obligations, then your best bet is almost always the filing of straight bankruptcy.

What you'll need is the proper forms "S3010 Bankruptcy forms, for an Individual Not Engaged In Business." These can be purchased from any full-line office supply store, especially in an area serving attorneys' offices.

You'll need to know which district you love in for Federal Court purposes. So, look in the white pages of your telephone book under U.S. Government - Courts - and take down the address of the nearest U.S. District Court. Check it out to be sure that your residence is in this court's jurisdiction.

You then fill out the forms you purchased, listing all of your creditors - those with priority being listed first - meaning those who have extended credit to you against some sort of security or collateral, followed by those who have extended credit to you on just your signature or reputation.

You must be sure to list all of your creditors because any that you fail to list, will be able to sue you and collect even after the bankruptcy has been adjudicated.

At the same time, be sure to include the names of anyone and everyone you may have co-signed a note or a loan for, as well as anyone who may have co-signed for you.

The laws governing personal bankruptcy vary in all states, but generally, a bankruptcy judgement will not take away the house you live in, basic home furnishings, a car that's necessary towards your gainful employment, nor the tools of your trade.

Check these things out to be sure against the list of items regarded as the necessities of life by your state.

When you've got all the forms filled out, and notarized, you take them to the Clerk of the U.S. District Court in your jurisdiction. You pay the clerk $50, and from there, you're home free.

The clerk notifies your creditors, and reminds them that being as you've filed bankruptcy papers, they cannot bother you about your debts anymore.

However, they are invited to your hearing. Usually they don't show up, because by that time, you have very few, if any, nonexempt assets left that they are really interested in.

But, whatever assets you do have that are nonexempt, will be sold by the Court to appease your creditors. Any money realized from these sales is then added to the total amount of money you may have turned over to the court at the time of your filing, and divided equally amongst your creditors according to priorities.

After all of this has taken place, and usually about 3 months after you've been adjudged bankrupt, you can start all over again to incur debt, pay bills and establish a new credit rating.

However, you should be especially careful about talking with your old creditors because they may attempt to maneuver you into signing a "reaffirmation" of your old debt.

The thing to do is to be sure that you carefully read anything you affix your signature to, and don't agree to pay on any debt that has already been discharged through your bankruptcy!

In some bankruptcy filings, it is definitely advantageous to hire an attorney to represent you.

This is especially try for people who have assets such as real estate they want to protect, and/or people who has been operating home-based businesses or been accused of fraud.

Remember this, if you decide to process your bankruptcy without a lawyer, then it is your responsibility to fill out all the necessary forms accurately and completely, and every bit as precisely as if you had paid an attorney to do it for you.

Leaving out a creditor's name or address or forgetting a loan that you co-signed for, will surely bring on litigation against you even after your bankruptcy has been adjudicated.

Be sure you understand all the papers, ask the Court Clerk for advice, and if you run into problems, then take it in to an attorney.

Besides the regular bankruptcy laws, there's also a little-known and little-used method of getting reorganized with your debt, particularly when you've got a steady job and just need more time to straighten your indebtedness out.

This is the wage-earner's provisions of Chapter XIII of the Federal Bankruptcy laws.

Basically, these provisions allow you to make new arrangements with your creditors and pay off all your debts over a new 3-year period of time.

When you filed for indebtedness relief under the provisions of this law, nothing is recorded permanently on your credit record. You get to keep all your assets, but you must pay off all your debts.

But, so long as the Court grants you relief under these provisions, and you pay your creditors according to the repayment schedule agreed upon by the Court, your creditors cannot bother you.

Even if they have begun a suit against you, once the Court has given you relief, they cannot touch you! Once you've filed under these provisions, your creditors are immediately restricted from even contacting you, and get only what the referee or trustee doles out to them.

Often-times, if a creditor threatens to sue you, the most effective thing you can do is to tell him frankly that if he sues you, you'll have no other alternative except to file bankruptcy papers.

In many instances, this will cause him to take a second look and to do whatever he can to assist you in paying him the money you owe, but over a longer period of time, and at smaller monthly payments.

The absolute bottom line is that your creditors know only too well that if you do file for bankruptcy, their chances of receiving even half of what you owe is practically nil.

Thus, it's in their best interest to do every thing they can to help you to continue making payments on the amount you owe, regardless of how small those payments may be.

When a creditor does sue you, and gets a judgement against you, he can then get a court order directing the sheriff to seize your personal property and sell it, with all monies realized going to the creditor to satisfy your debt.

When they see this about to happen, many people connive to make themselves "judgement proof." In other words, they hide their assets or move them out-of-state before the sheriff or marshall arrives. This is illegal, but is done as often as not.

Many creditors will attempt to "garnishee" your wages. This is done by getting a court order directing your employer to set aside part of your wages or salary every pay period and turn it over to him.

First, of course, he has to find out where you work; and even then, in most states, there are limits set relative to how much a creditor can garnishee for your wages.

If you have no job, and no visible assets, or you live in a state where your wages cannot be garnisheed, your creditors actually have very few ways of ever collecting from you.

Many techniques used by creditors and collection agencies are illegal. A creditor or agency can write letters to you; call you once a day in quest of a payment; and even knock on your door to ask about a payment.

But, he is forbidden by law to harass you or invade your privacy, or use deceptive means to get you to pay your bills. He cannot use foul and abusive language over the telephone, tell anyone besides you the reason for his phone call, inconvenience you or in any way threaten your job or your reputation in the neighborhood where you live.

Still, the best idea for reorganization and settlement of your debts when you find yourself in an untenable position, is in-person visits and explanations of your situation with your creditors, and a desire to explore other possible ways of mutual satisfaction without involving collection agencies or bankruptcy.

Give it a try. It's a lot easier than most people realize.

Biz Marketing 41 - The Web Market Place:

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Many items on the Web market place, may as well be seen scattered on the other columns of Biz Marketing 41. However, this corner has some more information back of the images you see on this place.

How often do you compare your website with others?

Many web masters don't do it and they don't care. If you care, this could be the most wonderful thing to do, so you see where you are.

Compare your host with this one. Then see the proofs above and the test drive at the Search Engines Column.

Videos could give you also some ideas about important things you should take care of while building an online business. Building itself has many methods that begin by understanding the nature of searches on the net and the development of everything on the net.

Biz Marketing 41 - Resources:

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Search engines and other HITS Quarters:

This could be the best thing to do, if you have a business online, about anything, such as juice face wash, any kind of juice, cream, hair shampoo, body moisture, mobile covers, fashion styling, etc… to check websites traffic to your site.

The In-site Search Engines and Free Traffic Pages:

Well, here we are now at the close of Biz Marketing 41. We hope it's interesting.

Yours in Peace,,, Love and Global Prosperity

Sincerely

Khalid Osman

P.S You may republish any of the articles in Biz Marketing 41 in its full entirety in your e-zine or on your site so long as you leave all links in place, do not modify the content and include our resource box. When you republish any of these articles, please send us a note to take a look. Thanks.

P.P.S If you thought that you could be making money using these articles in BIZ MARKETING 41 instead of just republishing them for our own benefits, click on any link there and join those affiliate programs/or business opportunities. You'll be e-mailed your affiliate/or business opportunity link, so you can substitute it in place of ours.

This is the best advice we offer at Biz Marketing 41!

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