Articles Written By: eliminatedebttoday

Three simple and affordable advertising ideas for your small business

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When running a small business, marketing your products and services is an important aspect your must consider and plan for. No matter what industry you play in you will no doubt have competition. Even if you provide a better service or product you still need to stand out so consumers know. Marketing can be a big cost but there are also many affordable alternative to advertise your business.

Here are three simple advertising ideas and suggestions to give you high visility.

Vehicle back windows

A rear car window covererd with a sticker of your business is an affordable option to promote your business. Whenever your car is being driven around your business is being seen. For as little as one hundred and fifty dollars this is a small investment. Depending on how many years your sticker last, the breakdown cost of purchasing you rear window sticker works out to be even less.

Don’t overload the sticker with too much details. Keep the sticker bright and colorful. Avoid a cluttered look with too much details. Keep it simple. Don’t put more than three items of information. Your logo with business name, phone and tagline is all you need.

Car magnets

Large car magnets are another cheap alternative. These magnets are strong enough to withstand high speeds. To repeat – keep the design simple. Order many at a time and hand them out to your friends for their cars. You can purchase four magnets for as little as fifty dollars.

An alternative to magnets is use multiple smaller sized ones. A stack of twenty five magnets can be bought for about thirty dollars. Get people to take notice by scattering you car with these. When people take your magnets you know they’re working.

Outdoor banners

Ask your signwriter to print you a large banner. The cost of a small banner can be as little as one hundred dollars. We’ve even seen banners from as low as six dollars.

Use the small banners effectively by parking at the front of a busy event or location. Hang the banner from the side of your car. Your car and banner can’t be missed.

These are three simple advertising ideas to kick start your marketing on a budget.

Click Here to see Ryan Johns working these advertising ideas

Entrepreneur Facilitation Center & Development(EFC INDIA), Co-Working Space in Pune,Shared Office S

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Entrepreneur Facilitation Center & Development “This Incubation Park suits to IT / ITES /SERVICES SECTOR Technology Based startup, service concept based startup and any other concept / idea which required an office space to start and run the day to day operation”. We at EFC India, support the young budding entrepreneur with complete guidance on their idea or business plan, provide them with all necessary required things like office space, equipments , office, machines & fixture, manpower hunting , sanctioning loan , legal documentations etc. every bit of thing required to start their own business. EFC India is an Entrepreneur Park, where the ideas get converted into reality and fruitful business. We with our team of experts transfer knowledge and skills, help you with all new technology and market support , provide complete training on modernization and expansion of business to enhance the quality and productivity of your business. All you need generate a great idea of business and we help you shape it into reality! -WHAT WE PROVIDE-

You can send your business plan to

You business plan should not be more than 7 – 10 pages and should crisply cover the following aspects –

1. Introduction of you , your team & business that you want to start. 2.Your Target Customer Your Business Plan & Projection – business model innovation that differentiates you Your revenue model / Earnings – how will you make money, pricing etc. 3.Sales and Marketing Strategy – how do you plan to spread the word around about your solution, how would you sell it? 4. Management Team – Who are the main team members and advisors. 5. Financial projections – What are your cash-flow projections – expenses and revenues? How much money do you need to raise as investment? 6. When would you start breaking even operationally? Approx. Amount of Investment requirement ? 7. Team size / No. of people you will hire.

send your business plan to

What makes an investment ethical

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People want their money to work hard to deliver the best possible return on their stake. There are many ways that people can grow their money, from traditional savings and ISA accounts to more diverse investments such as commodities.

Current times are quite challenging in terms of what investments actually do provide a decent return on customers monies, and many people are turning to ethical investment opportunities.

What is an ethical investment?

An ethical (also known as Sustainable) investment is an investment that not only offers a good return on the clients money but also helps the planet. This is done by investing in commodities such as timber, where plantations are created and harvested over a designated period of time. These opportunities often come with social and environmental objectives. They can provide jobs to communities whilst creating sustainable fuels and forestry for years to come.

Why should you chose an ethical investment?

Investing money is all about getting a return at any cost. Ethical opportunities are different in that respect. Ultimately the end goal is getting a return on investment, but alongside this investment you know that the money is being put to good use in both a socially and environmentally responsible way. By choosing an ethical investment you can be sure that your money will be put to use in a way that will also help the environment both now and the foreseeable future.

What are the risk of ethical investments?

There are always risks in any investment and ethical opportunities are no different, however they do tend to often perform well under poor market conditions. It is important to note, however, that an ethical opportunity might have a higher risk profile than other investment opportunities where a companies activities are more mainstream.

What types of ethical investments are available?

There are many different types of sustainable opportunities available to people who are serious about socially responsible investments. These can range from Forestry and Farming to alternative energy sources and eco-housing.

Before you embark on any type of investment, be it ethical or not, you should always seek guidance and where possible have a look at how the market has been performing over a period of time. Sustainable investments can offer a very high return on your investment, but as with any investment there is an element of risk involved. In some cases the element of risk may be higher in an ethical investment than in a non-ethical option so you should always research the market prior to departing with your hard earned cash. You should only ever invest what you can afford to potentially lose.

Sustainable investments can provide you with a high return on your money, whilst also helping to build a sustainable planet.

Unsecured Small Business Loans Easy Financing Without Collateral!

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Statistics prove that the demand for unsecured small business loans have been rapidly increasing over the past few years. The idea of an unsecured loan creates new financial horizons for individuals that may not have collateral. This is also of special interest to new business owners that are interested in entering a new business venture. Potential business owners are always interested in a business loan to provide working capital for their new endeavor.

The paradox when applying for most unsecured small business loan programs is that a new business owner does not yet have any collateral. This can quickly shatter a business dream. The only other consideration such an individual can have is to use his or her personal assets to secure a loan. But new business ventures have a risk associated with them, once that many people are not willing to transfer to their hard earned assets.

Collateral is often the biggest obstacle to the prospective business owner. Not only does a new business not yet have any commercial collateral to provide; but it is asking a lot for an entrepreneur to put his hard earned personal assets at risk in order to start a new business venture. Yet, without collateral, getting a business financing can sometimes seem impossible.

Small entrepreneurs, who do not have collateral to offer, find unsecured small business loans as an alternative, which help them expand their business to new horizons. They are only required to make regular repayments to the creditor without any apprehension of their business assets being repossessed by the lender in case of defaults. At the same time, small businessmen who opt for unsecured small business loans should be prepared to pay a little higher interest as compared to other credit options. However, interest rates may vary depending upon the credit history of the businessmen.

No collateral unsecured small business loan products are now available through select lenders, although they can still be relatively difficult to find among traditional banks and lenders. The revolutionizing force is coming from a plethora of web based lenders that are offering innovative new financial solutions, including no collateral loans. A variety of unsecured loan products for business and personal needs can be found via web based financial companies.

Applying for unsecured small business loans is easy, all the business owner need to do is just go on line and submit their loan details. Then the lenders will refer back to you with the loan decision in a few days.

Basic Requirements Of Banking Jobs In India

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The entire global economy is going through a tough phase now. A lot of people have already lost their jobs over the last couple of years and many more are living in the fear of losing their own. Quite interestingly enough, almost all the job cuts have happened in the private sector; there are very few government employees who have actually lost their jobs. Bank jobs in India are definitely better compared to the corporate jobs then it comes to job security, average salary and also annual benefits.

If you take a look at the list of Indian Banking jobs 2012, you would see that almost every banking departments has a couple of vacancies. Almost all the jobs that are featured in the list of Indian government 2012 require you to be an Indian citizen, have no criminal records and be above the age of 18 years. So, these are the basic qualities that are needed in a candidate who wants to apply for all such vacancies in India. Let us now take a look at the educational and other requirements:

Educational Qualifications

As told earlier there are a variety of different banking jobs available in the list of Indian banking jobs 2012. The educational qualifications required for different posts in India are definitely different, but in most cases you are required to be at least a graduate in order to be eligible to apply for a post. Most jobs in India would require you to go through a written examination followed by an interview process. If you get selected, you would be put on training for a stipulated period of time during which you would be eligible for a fraction of the salary and benefits offered against the post. There are some job vacancies that would require you to have technical qualifications such as a degree in engineering or a diploma in applied sciences. In almost all the cases your degree or diploma should be verifiable and should have been awarded by an UGC recognize University or institute. For graduate level teaching jobs you need to have a postgraduate degree or doctorate on the subject of your choice in order to be eligible.

Experience With The Indian Army

If you have military working experience you would be eligible for almost all posts that are featured in the list of Indian banking jobs 2012. Most banking departments have a couple of reserved seats for ex-Army professionals and as long as you have proof of your service at the Army, you would not have to worry about the age limits specified by different banking jobs in India. There are some vacancies in India that give preference to ex-Army professionals; so, if you are serving the Indian army, you might as well think of taking up another job with a govt department after retiring from the Army!

Ultimate rewards and freebies on current bank accounts

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I was in a bank last week waiting to pay in a cheque while the 3 cashiers attended the queue of about 10 people; so 20 minutes after looking around at all the usual 0 per cent credit card offers and low rate loans, I was surprised when the cashier asked me if I had one of their ‘new’ current accounts.

‘New’ I thought; I’d only started banking with them in the last 8 months, how could I have an old current account!? “Oh yes” said the cashier, “we have new current accounts that offer travel insurance, mobile phone insurance and motor breakdown cover.” I thought I was in a Churchill car insurance advert for a minute!

“Hhmmm, ‘new’ current account,” I thought – doesn’t this mean ‘monthly fee’ current account?? I like the way the current accounts that charge you on a monthly basis have all been named dramatically like the ‘Ultimate Reward’ or ‘Gold Rewards’ ‘Advantage’, ‘Premier’ etc, etc…But that’s all I like about them to be honest.

All the benefits or ‘Rewards’ for your monthly fee seem to include ‘* Exclusions apply’ even to things like travel insurance. ‘Worldwide annual multi-trip travel insurance for you and your family’ – read the leaflet; but then a huge ‘* Exclusions apply – please refer to the terms and conditions.’ So you have to trawl through the thousands of ‘T’s & C’s’ to make sure you don’t fall into any of the exclusions! Who honestly bothers to read absolutely everything?

I would guess that the level of insurance and motor breakdown cover you’d get with a current account doesn’t compare to the level of cover you’d receive if you bought the same mobile phone insurance, travel insurance, or motor breakdown cover as separate policies. But then again I might be wrong…

In any case I’m ceratinly not going to start paying for a banking service that I can get absolutely free without all the gimmicks of ‘freebies’ – You get nothing for free and that’s certainly the case here because you’re paying a monthly fee, so how can it be free?! One day I might take the time to actually read through all the insurance cover terms to see exactly what you get for your money I bet it’s not that much!

John Hogan writes for the UK’s firstMotoring Web Site. Motoring.co.uk finds you the best deals on new cars and offers free car valuations to help you sell your old car. The unique online search functionality will help you find the best new cars, and new car deals, in the UK Today. Visit motoring for a free car valuation today!

Subway Franchise Review – One Footlong At A Time

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The first Subway franchise was born in 1974 even though founder Fred DeLuca opened his first store 9 years earlier. Today there are currently over 29,000 Subway franchises spanning the globe in over 85 countries. Entrepreneur magazine has ranked Subway the number one franchise 13 out of the last 17 years, so its a rock-solid franchise.

Even with its amazing popularity and tremendous track record, the real question is deciding whether or not owning a Subway franchise is the right choice for you and your family. There’s a ton of things you should consider when making this big of a choice, so let’s identify what the positives and negatives are.

First of all, the total cost of entry and the total investment to get started ranges anywhere from $101,000 to $285,000. The reason for the big discrepancy depends on whether you’re buying an existing franchise or you’re having to build one or start one from the ground up. Other costs may include remodeling, leasing equipment, inventory, etc. Typically, the down payment that’s required must come from your personal liquid assets and can NOT be borrowed or come from a loan. That fact right there might eliminate some potential franchise owners.

Every Subway franchise pays a royalty fee to the company, specifically 8% of their overall gross sales. This is very important to understand because losing 8% right off the top before you pay for any rent, equipment, inventory, marketing, employees, etc can make a difference in whether or not you’re profitable. On the other hand, in exchange for the royalties the franchisee’s are rewarded with a strong brand recognition and national advertising campaigns.

As far as sales are concerned, 2800 sandwiches and salads are sold every 60 seconds. This provides a pretty constant flow of customers and expected sales. Potential franchise owners feel comfortable with this knowing that their stores most likely will not be empty. Besides, people have to eat somewhere, right?

On the flip side, you are at the mercy of your store location when owning a Subway franchise. No matter if you are open 24 hours, a location can only serve so many customers and can only make so much money. Obviously the product can not be sold online or in other areas, so actually getting traffic to the store is the only way to make sales. In this regard, the Subway franchise is NOT scalable. An entrepreneur would probably have to own multiple locations to really generate the kind of income they would be looking for in owning a franchise.

Furthermore, to buy a franchise, you must have good credit, have considerable net worth and you have to be approved by the company. Once again, this could potentially eliminate more prospective franchise buyers. In the end, owning a Subway franchise is a solid way to have a great chance of success but keep in mind that to really make it big, you’ll probably have to own about 10 or more.

Inflation and Interest Rates Simplified From The Reserve Bank’s Monetary Policy Statement

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Two major topics discussed in the Reserve Banks 39-page September Monetary Policy Statement (MPS) are inflation and interest rates. In June, the Bank forecasted inflation to be 4.5% this year. The latest forecast from the Bank expects inflation to be 0.7% lower at 3.8%. Additionally, the Banks 2011 inflation forecast has been reduced from 2.9% to 2.4%.

The lower inflation forecasts are not out of the blue given the lower economic growth projections announced by the Reserve Bank. Factors attributable to the muted inflation pressures include: weaker consumer demand, basically non-existent lending growth, unemployment figures at over 5%, reductions in house prices and deleveraging.

The Bank stated that it will look through the impact on inflation as a result of the increase in GST, the Emissions Trading Scheme, plus other related tax changes. The Bank forecasts that an additional 2.7% will be added to inflation as a result of these former factors, with the Consumer Price Index crowning at 4.8% in June 2011. Taking aside these factors, the underlying inflation rate would be 2.1%.

It is important to note the following stern warning delivered by the Bank in the September MPS. If the factors mentioned above begin to influence individuals behaviour, then the Bank will move quickly to increase interest rates. Price setting will be monitored, as will wage negotiations and surveys of inflationary expectations to gauge if there is evidence that the bump in inflation is becoming ingrained. If this is the case, it can be expected that fast and material increases in the Official Cash Rate (OCR) will follow.

Regarding interest rates, the theme is the same as with economic growth and inflation lower for longer. Unlike the June MPS, the Bank now expects interest rates to rise a lot more slowly. This links back to the Banks cuts to GDP and inflation estimates. The June MPS forecasted interest rates to rise 3.1 % over the next two years, up from the then current level of 3.0% to 6.1% by the end of 2012.

According to the September MPS, the Bank now estimates interest rates to rise by only half as much. 90-day bank bills are forecast to increase from their current 3.2% to be 4.1% in December 2011 an increase of just 1.4%.

If you have a floating mortgage, this reduction in the increase of estimated interest rates will be good news. Although, as the Bank does point out in the September MPS, it expects to increase the OCR over the next few years, the pace and extent of these increases will be lower than forecast in the June MPS.

How The Copywriter Helps The Entrepreneur

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One of my favourite assignments as a copywriter is to help entrepreneurs create the text to promote their new business, product or service. In my five years as a professional copywriter, I’ve helped clients as diverse as electricians, sales trainers, marketing companies, gourmet food shops, property developers, digital agencies, IT consultants and driving instructors to express what they offer in writing – usually at the early stage of building or planning the enterprise. The power of copywriting in that situation simply cannot be overestimated. There really is something almost magical about putting words on the page. It makes ideas real, generates commitment and focuses energy. Just by committing thoughts to paper, we can shape our futures. It’s easy to see how this benefits the entrepreneur as they plan or develop a business. Although most entrepreneurs generally feel positive and confident about their ideas, they sometimes find it hard to do them full justice on the page. Working from a different perspective – the outsider’s perspective – the copywriter can make sure that their client’s marketing pitches the offering to the right audience, with the right tone and the right emphasis.Sometimes, the appropriate ‘level’ for the message may be far ‘above’ the one expected or imagined by the entrepreneur. Sometimes, when they see what I’ve written, my clients respond ‘I could never have written that,’ or ‘I don’t recognise myself’. This type of feedback confirms that the entrepreneur may simply be too close to his or her product or business (whether emotionally or intellectually) to communicate its selling points effectively. If the business is a one-person startup enterprise, it’s easy to see why. Talking an idea through with a good copywriter (one who asks the client lots of questions) is a great way to road-test a new idea. ‘If we translated this concept into marketing messages,’ the entrepreneur is asking, ‘Would it fly? Would the proposition be consistent, compelling and capable of converting interest into sales?’ Here, the discipline of copywriting can act as a useful reality check. The dark side of confidence is over-confidence, and entrepreneurs are prone to many delusions and self-deceptions. But the copywriter cannot spin straw into gold; to make convincing copy, they can’t work with unclear, inconsistent or self-contradictory ideas. As part of the briefing process, the copywriter can help the entrepreneur to iron out all these tangles in their thinking – provided the copywriter is prepared to put some tough questions to the person who pays their bill.

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Setting goals To become That Successful Internet Entrepreneur

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Starting out to become a successful entrepreneur is a exciting emotional time in a persons life. A decision has been made to break away from the normal way of thinking about work and money possessed by the majority. The majority meaning about ninety seven percent of the population.

Becoming a successful internet entrepreneur requires changing the way you were programmed to think. The decision has been made, backed by a commitment to become one of the -three percenters- that have chosen to take control of their financial future and live life on their own terms. There is no longer a boss making decisions about when, where, and how you will make a living. It will be all up to you either to succeed or fail.

The most important aspect of becoming a successful entrepreneur will be your ability to set a goal and do what ever it takes to reach that goal. Realize that you must not just show up for the game, you must play to win and to win you must set goals.

Almost everyone from business professionals to athletes have been coached on the need for setting goals and just how important it is, but many do not understand why they can not reach their set goals.

What does it Require to reach a Goal?

Why some succeed and most do not is that those that succeed have learned to attach a strong emotion to why their goal must be reached.

Whether we are money hungry entrepreneurs or some other noble profession there has to be a deep underlying emotion attached to a goal. Just saying I want to make more money in itself can not be a goal. The questions must be asked, why do I want to make more money, how much money do I want to make and how will I feel when I receive this money? How will it make me fill emotionally, happy, jubilant, thankful, relieved? Concentrate on this emotion and how making more money will enforce this emotion.

Finally, a time frame must be put on this goal.

What exact date and time will this goal be met? A goal without a date and time set on it is merely becomes a wish and not reality.

To become a successful entrepreneur, one must learn the proper way to set goals both short term and long term.

Steve Kimball has been a business owner and entrepreneur for over 25 years. His main goal is to assist others in achieving the success they deserve online. He has teamed up with the elite marketers at carboncopypro and together they are striving to change the world one person at a time. For more information go to

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