Car Loans: Easy Loans for Buying Cars

Car loans are available for different people with various needs and different names. These names are logbook loans, auto loans bad credit, subprime auto loans, fast auto loans, cheap auto loans , auto loans after bankruptcy, new auto loans, auto loans for students and many more. These loans are available in secured and unsecured loan options. For unsecured loans, there is no need to place ay security. Secured loans need collateral. This collateral is usually the car itself. The borrowers, who do not want to risk the car, can place their house, properties, jewelleries and other assets as the security against the loan amount.

Unsecured loan amount varies from £500 to £25000. The loan term depends on the loan amount which varies from 1 year to 10 years. The rate of interest varies 9% to 15%. Secured loan amount can be very big which can go up to £50000. The rate of interest varies from 7% to 10.99% depending on the loan amount. The loan term within which these loans are repaid varies from 5 year to 25 years.

Car loans are offered to the borrowers who want to buy cars. For secured loans the borrowers will have to place collateral. Some loans are offered to the borrowers without any credit check. Some loans are offered to borrowers with bad credit for which the borrowers should have updated credit report. The borrowers should have a checking bank account. Some loans does not need any documents other than those loans, the borrowers should have documents proving personal details of the borrowers. The borrowers should have updated bank statements. For loans after bankruptcy the borrowers should be cleared of the previous debts. Car loans are offered by the banks, financial institutes, lending companies and online lenders. But online loans are faster than the other options and all the loan procedures are done through internet.

Preparing for the Future With Student Loan Consolidation

Student loan debt from multiple lenders is a burden that many students graduate with. The good news is that student loan consolidation is available for both federal and private student loan programs. It is not a good idea, however, to consolidate student loan debt from both federal and private lenders; they should be consolidated separately.

Federal student loan consolidation has some benefits over private student loan consolidation for a few reasons. There are three main reasons for federal loan consolidation, which are to lock in an interest rate, simplify finances and lower monthly payments. After consolidating student loan accounts, borrowers only need to make a single student loan payment each month. It is much easier to remember to make payments on time without having to balance multiple payments.

Borrowers can also spread out federal student loan repayment over as much as 30 years, and the interest rate on these student loans is generally very low. Federal student loan consolidation results in a single fixed interest rate guaranteed for the life of the loan, so there’s no need to worry about their rate fluctuating with the market. The interest rate on federal loan consolidation is determined by the weighted rates of the student loans that are being consolidated. The government has set a rate cap of 8.25 percent on federal student loan consolidation.

All federal student loans are eligible for consolidation, but the best interest rates are available while they are in their grace periods rather than in repayment. There is no minimum balance, employment history or cosigner needed for to qualify for federal student loan consolidation. Applying for federal loan consolidation is free, and borrowers do not have to go through credit checks.

It takes one or two months for a federal student loan consolidation to go into effect, at which time student loan repayment will begin. There are four student loan repayment options, which are standard, graduated, income-contingent and extended. Graduated repayment is where payments increase gradually, income-contingent repayment is where payments are based on annual income, and extended repayment is where payments stretch over a longer period. There is also no prepayment penalty on federal loan consolidation.

It is a bit more different to consolidate private student loan debt, but the main benefit is the same. It is much easier to make a single student loan payment each month than to pay off several different loans separately. It’s also possible to obtain a fixed interest rate and improve one’s credit score by having fewer accounts open. Private loan consolidation is a bit more difficult to obtain than federal loan consolidation, though. In order to be eligible, one must be a U.S. citizen, pass a credit check and often pay a small application fee.

The terms and conditions vary much more with private student loan consolidation than with federal student loan consolidation. There are several things that everyone interested in private loan consolidation should consider, though, including forfeiture of the individual benefits of the separate loan accounts. Some lenders may also extend a variable interest rate rather than a fixed one. Borrowers can also only consolidate private student loan debt once, and can never “un-consolidate” their student loans.

When students and graduates do their homework, they can make the most of their student loan debt through a consolidation loan. There are several differences between federal and private student loans, including the ways they are consolidated. Any student who is nearing graduation or who has recently graduated should definitely look into their student loan consolidation options; it may be the best way to ensure a solid financial future.

Alternative Student Loans Options And The Best Way To Get The Lowest Rate

Alternative Student Loans are an option for college students because if you are a student with no credit history and no one to co-sign for you, an alternative student loan may be just what you need, student loans can get very expensive, and if you don't have any credit or a poor credit history the method for getting a college loan will possibly be challenging. You have the option to choose the more high-priced alternative student loans for bad credit, find a consolidator and then at the end of your course reschedule your loan. You'll help yourself tremendously and the odds will be in your favor if you can find someone with good credit to assent to co-sign for you. This person would be the guarantor for your loan which simply means that they will also be responsible for the loan repayment
along with you. By providing a co-applicant you will certainly help to insure the approval for securing your loan. Most times the co-signer on the application is a parent.

Students don't commonly have a lot of credit cards, or car loans and very seldom home mortgage loan so it makes it that much easier for a lender to approve a loan. In some cases there are students that have credit but they didn't use it correctly and it is not in the best condition. If that's the case they will have to take that into consideration. In cases where a person has no credit history or a track record of late repayments or defaulting on a loan, the lender will ordinarily place a student in a high risk loan. Accordingly loan officers will thoroughly review these loans, as well as those applications for Federal Government Student Loan programs. More times than not, if a application has some blemishes a student will often have to pay a higher fixed interest rate to make up for the status of their credit. Much more favorable terms will then be perfectly possible, still the student with an alternative student loan has bad credit they may still bear the penalty of higher interest rates because of it.

In the occurrence where students will need to attain sources for alternative student loans for bad credit, and are pretty sure they will be paying the higher interest rates. There is a popular loan program that offers loans at 4% for student applicants with an exceptional credit history ever-increasing to 6% for borrowers with a less than perfect but still sufficient record. The 2% difference may not sound like a lot but in time it could amount to more than $5,000 over the term of the loan. It is not uncommon for today's students to need up to $100,000 to finance an undergraduate education and, even if you pay the interest in full in the beginning would it make a difference. Students will more times than not defer repayment until six months after leaving college and this is going to increase the amount you pay in over all interest and with your monthly payments considerably. Lastly, it's worth saying borrowers with a cosigner who has a great credit record can improve their chances of getting they also have a co-signer with great credit, this can also reduce their total loan repayment greatly.

Guaranteed Money With These 8 Types of Student Loans

Holy Cow, I had no idea there were so many different types of student loans available to the high school graduate. This guide will reveal the 8 different types of student loans you can chose from, as well as the positives/negatives of each and the little secrets we found out that will help you decide which types of student loans are right for your situation.

The 8 Types of Student Loans:

*Federal Stafford Loan (2 types: subsidized-unsubsidized)
*Federal PLUS Loan (Parent Loan for Undergraduate Students)
*Federal Perkins Loans
*Bank Loans
*State Loans
*Additional Unsubsidized Stafford Loan
*Other types of loans
military
work place
college
** College Board Extra Credit Loan

Before you run out and start looking for different types of student loans understand that you are not eligible for any student loans until you have first completed and submitted your application to FAFSA. Once they send you your Student Aid Report (SAR) then you can start looking for the best student loans available for you and your child. Let's dig into the different types of student loans.

* Federal Stafford Loan - Subsidized: the most popular and cost effective student loans available. These are government guaranteed loans for both undergraduate and graduate students. It's really hard to beat these interest rates.

***Student Loans Secrets***

The College Cost Reduction and Access Act of 2007 determined the following fixed interest rates on Stafford loans. These rates are for subsidized loans to undergraduate students.

6.0% for the 2008-09 school year
5.6% for the 2009-10 school year
4.5% for the 2010-11 school year
3.4% for the 2011-12 school year
returns back to 6.8% for the 2012-13 school year.

My wife was eligible for this loan, however it was not enough to cover expenses so she had to pursue additional sources. My son was not eligible for a subsidized loan, hterefore he had to get an unsubsidized loan. And, we will have to reapply with FAFSA in January for both of them.

* Federal Stafford Loan - Unsubsidized: this can be a long term low interest rate loan. Right now the rate is 6.8%. Those students who don't qualify for the subsidized loan almost always can get this loan. In some cases you can postpone interest payments, but usually the interest on the loan is the borrower's responsibility. We have chosen to make the payments monthly ($7.92) to keep the overall cost of the loan at a minimum.

Unsubsidized Stafford Loan - This loan is long-term, non-need-based, with a low-interest rate. This type of student loans is best for students who don't qualify for other types of financial aid, or who still need more money in addition to other forms of financial aid. Almost all household incomes qualify, and "unsubsidized" means that the student must begin making payments after the grace period. There are several cases where students have negotiated the removal of interest payments until after graduation.epaying until after grace period.

***Student Loans Secrets***

Talk to your lending institution and ask for a monthly withdrawal on these interest payments. We set this up with our son's account and we are paying his interest payments only and he is responsible for the principal. Our monthly interest payments of $10 a month not only cover the interest but the remainder is applied towards the principal. As you will find out, if your loan is for $1000 by the end of college that loan is probably in the neighborhood of $1300 or more. Add these loans up over several years and it becomes a large chunk of money to have to pay back.

* Federal PLUS Loan - for parents of undergraduates
Basically the parent may take out a loan for their students college expenses. You can borrow the total cost of their education, get low interest rates and a decent tax break. Unique with this loan is the ability to overcome poor credit history. Basically this type of student loan has no ceiling on income levels or how many assets you have.

***Student Loans Secrets***

You can negotiate the repayment schedule by either starting your payments after the 60-90 days you received the money or after your child graduates.

*Federal Perkins Loans - normally these loans are awarded to students who have financial difficulties. The funds available are limited but they are low interest loans. Interest does not start to accrue until 9 months after you graduate or you drop below half time status. It is best to seek advice of your college financial aid adviser who can direct you in the right direction.

***Student Loans Secrets***

Federal Perkins Loans are reported to your credit bureau, which means it could damage your credit rating if you are late on payments or default on your loan. Know what you are getting into and if you are a student, start thinking about the future and don't live in the present. This is serious stuff. Do it right and you have an instant EXCELLENT credit rating.

*Bank Loans - the only reason you would pursue this route is if you are turned down by the federal government. These loans are usually a little higher in interest rates and each bank has different criteria you must fit meet. It's best to shop around your local area to see what is available before you hit the internet. Some banks do offer Stafford Loans, but they are more strict on their policies.

***Student Loans Secrets***

They might limit their loans to full time students, repayment options are probably gonna be more limited, and they might offer some incentives on repayments. The most common is an interest rate reduction if you use automatic withdrawal. Here is what we learned from one institutional Bank:

U.S. Bank supplemental loans...

Their student loans are credit based and they just want to make sure your loan is not covered by another type of financial aid. The power of your cosigner and your credit history will help you qualify more easily for a loan and reduced interest rates. They offer deferment which means you don't have to make payments on the loan or interest rates. There are no application fees and you can easily learn within 15 minutes or so after submitting your online application if you qualify or not.

*State Student Loans - most states offer a guaranteed student loan. These funds are administered by a bank which means you will need to apply for the loans through a bank.

***Student Loans Secrets***

These loans are usually more expensive to borrow from than your federal student loans.

*Additional Unsubsidized Stafford Loan - These types of student loans are determined by the federal guidelines and are reserved for borrowers who fall into the "independent category.

*Other types of loans - as a dependent you may qualify for student loans if your parents work place offers them. The military is another good source for student loans, especially if they are currently serving. However, it is not limited to currently serving, if your parent ever served in the armed forces you should explore these opportunities. Other places to explore are colleges and larger corporations or businesses. Talk to your financial aid rep's at college, they have a lot of underground tactics they don't normally share with the public but will share with you.

* College Board Extra Credit Loan - AMS or Academic Management Services is affiliated with around 2000 various universities. They will pay your tuition fees but the catch is you have to repay those fees within a year or less. These can be expensive and it is usually explored in dire emergencies.

You just read the top 8 types of student loans. Each has it's benefits and each has some drawbacks. The last Student Loan Secret we will leave you with has not really been discussed above and it might be the best thing you'll need to remember.

Start shopping for interest rates, loan fees and repayment schedules. Interest rate shopping in useless if you are after a government loan, because they are fixed, however private lenders are the ones to be very careful of before you sign on the dotted line. Private lenders do have discounts so make sure and ask them point blank what they are.

There will be a time when you will need to consider consolidating your student loans. Until then, try hard to pay as much out of pocket money as you can afford to reduce your debt burden once you graduate from college. Right now focus on which types of student loans best fits you and your family.

All About Federal Perkins Loans

To qualify for a Perkins loan
your expected family contribution as determined by the government's free application for federal student aid
must demonstrate the greatest level of financial needs. It is known that recipient of federal grants receive priority for Perkins loans. It is also known that it is a good idea to apply for your Perkins student loan
early. When you are applying for financial aid, it is important to note schools will distribute Perkins loans on behalf of the government and when the funds are gone they are no longer available. This then means that even if you qualify for a Perkins loan you may not actually get it. So it is in your best interest to submit your FAFSA on January 1st or as close to that date as possible. This will help to ensure that you will get the maximum amount of Perkins loan funds that you are entitled too. You can be entitled to up to $4,000 per year for undergraduate schooling for a total of $20,000 over the course of the undergraduate program. Graduate students get up to $6,000 per year and $40,000 over the course of their graduate studies.

Paying back your student loans may seem intimidating but there are resources out there to help you pay it back, so don’t delay when you seriously need the money to get through school. The best advice is to get loans now and worry about them after you graduate and once you are on a clear cut career path. To qualify for a Perkins loan you must be a United States Citizen or an eligible non-citizen with a valid social security number, demonstrate exceptional financial need, be working toward a degree or certificate in an eligible program, have a high school diploma, GED, or pass an approved ability-to-benefit test, register with the selective service if you are a male between eighteen and twenty-five and you need to maintain satisfactory academic progress.

The benefits of a Perkins loan are incredible every year billions of dollars are awarded to students in federal student aid, you don’t need a cosigner, you can have bad credit or no credit, and the government pays your interest until you graduate. It is for these reasons that a Perkins loan may be

Student Loans No Cosigner

If a student has no cosigner collateral or a bad credit score they will have many difficulties getting a loan. In most cases the lenders will reject the application and that’s not pleasant at all.

To avoid all that, you should pay attention to the information below because it can help you get the needed amount you need for your student loan.

There are some lenders on the market that despite these conditions will offer student loans without needing a cosigner. In other words the students can now receive the loans and complete their 4-years of college without worrying about the guarantees.

Now, all you have to do is go online and submit your application to the best firm you can find offering bad credit student loans
no cosigner. Before doing that it will be recommended that you start a comparison between all available quotes, rates terms and conditions offered by the most important companies.

The final result will have to be the perfect one for you because it will affect your financial future after you graduate.

With student loans without cosigner, you have the opportunity to complete your studies right now. If your application is approved, in only a few hours the money will be transferred into your bank account.

If you don’t want to live with stress and tension following you everywhere, it will be best to choose a free loan that won’t cause any financial difficulties.

A private student loan with no cosigner will help you a lot financially speaking and if you can find the right option for you, then you might consider yourself a winner.

Private Student Loans - The 21st Century Educational Lending Option

Private student loans are designed to provide additional money when a student has exhausted other types of federal loan programs. It's no secret that government-backed educational funding is getting harder to come by. For that reason, the U.S. is experiencing very rapid growth in private student loan lending - a much higher rate of growth than federal student loans. It is very likely that within a decade private student loan volume will exceed federal student loan volume.

Private loans usually are provided by the institution of education or a private lender of the student's choice. Accordingly, the interest rate and other criteria of the loans will vary based on the individual student and lender. Generally, a student with poor or little credit history will be able to get a better rate with a co-signer, just like any other type of loan. For borrowers with excellent credit (or co-signers with excellent credit) it is possible to get an interest rate that is competitive. There are five types of private loans, and each is based on the financial history and needs of the student borrower.

The Signature Student Loan is used after federal loans such as the Stafford loan have failed to cover all costs of the student's education. Signature loan approval depends on the student's credit rating and academic standing. The advantages to this type of loan are its high approval ratings and the ability to borrow as much as is needed to pay for schooling.

The Tuition Answer Loan provides readily available money in the amount of $1,500 to $40,000 per year, depending on the borrower's credit standing and a creditworthy cosigner. Further advantages of the Tuition Answer Loan include no required collateral, tax-deductible interest, and choice of repayment options.

The Community College Loan's high approval rating and flexible repayment duration make it an attractive loan for those students attending a two year institution in search of an Associate's degree. Applicants must be in good academic standing, and good credit will help to keep loan interest payments reasonable.

Continuing Education Loans provide funds for postsecondary students not pursuing a degree program or for part-time students who are gradually pursuing a degree. Borrowers with good credit or students with a cosigner will benefit from competitive interest rates and repayment schedules as long as 15 years.

The Career Training Loan is an attractive loan program for borrowers who need funds for technical training schools, trade schools, continuing education programs, or distance learning courses. This loan is especially beneficial to those with good credit or a qualified cosigner.

There are now many private student loan lenders, each of which offers loans to fill particular needs. For instance, some loans can be used specifically for the purchase of a computer, and other loans can be used specifically for study abroad. Care should be taken to look for loans that fit the particular needs of the student. Some loans can even be used to pay for previous school charges.

Private student loans can be consolidated, although the process really just replaces one student loan with another. Two advantages of doing this are that the borrower can end up with a single payment, rather than making multiple payments, and if the borrower's credit rating has improved since the initial borrowing, he may qualify for a better rate.

College Loans: your Best Friend During your College Days

Nowadays, education has not become as cheap as before. Sudden increase of course fee, tuition fee etc are making student baffled about their career. Being failed to maintain a balance with this increasing expenses, many students can not cross the threshold of college. But now the time has come to change this scenario. With college loans, a student can easily finish his college without any financial hiccup.

With college loans, students can arrange 75% of their maximum expenses. Not only tuition fee and course fee, but college loan covers all study related expenditures including accommodation, transportation, books and others.

College loans are of various types. First is private student loan. This type of loan is mainly unsecured loans. Therefore, students need not bother about collateral. Many a time, college loans are available as parent loans. In this option, parents avail loans for their children’s college fees. College loans are also available in consolidation form that combines various student loans in one.

While paying off college loans, student can get various repayment options such as, standard repayment option, graduate repayment option, pre-payment etc. Guidance of various loan experts enables students to opt for the right repayment plan.

Availing college loan is not a big deal, these days college loans are obtained without any hassle. Many banks, financial institutions, lending companies offer college loans. In order to get a better deal, meet those lenders personally, ask for their loan quotes and compare them minutely. It will help you in getting college loans at a better interest rate. If you are short of time, you can opt for online option. Yes, college loans are also available on the internet. Online process is easy and less time consuming. With this option, you can get a better deal easily and within a least period of time.

College Loans for Students - What to Watch Out for

Picking a college student loan can be rather a stressful time. There are a lot of different options, so many different terms and often some very attractive offers. However it is important to remember that a lot of the student loans that sound too good to be true, usually are just that. Each year thousands of students enter into student loans which looked to be a great deal, but as they did not read the small print and they did not fully understand the terms and conditions of the student loan agreement, they have ended up being liable for thousands of dollars in interest and extra fees over the life of the loan.

The main points to look for in college loans for students, especially with private schools or education loans include:

1. College loans for students that promise you money for non-educational items or that state they have a loan that uses a loophole to get around the policies. This is both against the Higher Eductaion Act policies and is illegal and usually these types of scams are exposed, often too late for unsuspecting students.

2. Vague information on the interest rate of the loan and how the interest rate will be calculated over the life of the loan. If at all possible look at loans that allow you to fix the interest rate if the rate is competitive at the time of the loan. Not locking in a rate can result in either a really good option if the interest rates are more favourable to borrowers, but it can also go the other way and have the lender make a lot of money.

3. Find out if the lender will sell your loan. Several of the smaller private lenders will sell your loan to someone else, leaving you with someone other than the original lender to deal with and possibly resulting in different terma and interest rates. A reputable lender will put information about the selling of the loan in writing and will also guarantee that the original terms will continue to apply.

4. Your credit score will affect how much money you can borrow as well as your interest rate. Be very weary of lenders that promise low rates even if you have bad credit or a low credit score. They usually are adding in additional fees, costs or other services that you will end up paying for in the long run. These costs may well exceed having a slightly higher interest rate.

While it may be tempting to look at some of these newer companies offering college student loans, it is still good advice to stick with companies that have a proven track record and that have a history of working with students in a fair and responsible manner. Make sure you always research your student loan thoroughly before taking out the loan. Always get at least 3 different loan agreements from student loan companies so you can compare interest rates and terms to make sure you get the best deal. This is easily done over the internet, so make use of it.

Auto Loans for Students: Get Rid of Your Transport Problems

Live your life to the fullest by availing yourself an auto loan while you are a student. After entering the college, lot of students feel that urgent urge to buy a vehicle for them. This is quite natural. But rethink before you apply for the auto loans for students. This is because it is not a matter of joke. Once you enter into the commitment with the lender, you should have the capability to pay back your loan. This will ensure the structure building of your good credit history.

The most striking feature of the auto loans for students is that they are specially made for the students keeping in mind their comfort and discomfort. Most students either have bad credit or no credit history. There are very less percentage of students who has good credit history. Hence, these loans are meant for students with no or bad credit history as well as good credit history.

The amount for the loan should be applied carefully. That is, you must not take excess fund just spend on other less important things. The amount is dependant on the choice of the car that you want to buy.

The interest rate is much higher if the student is having the bad credit history. The interest rate is much lower for the student with good credit history as is the case with any other loans.

Repayment period is usually of 5 years but it can be stretched up to 7years. The student car loans are of secured type. Your car is kept as collateral which will be possessed by the company for reselling. You should always try to make your down payment as high as possible for you. This will leave you with smaller amount to be paid as monthly instalments. Down payment of 20% is advisable.

The auto loans for students are best availed through website. There are countless lenders websites offering you such loans. Just a small formality is required. You will have to submit online application. However, you need to keep in mind to tally all the terms of loans offered by various lenders before committing.

Have a Better Future With College Loans

Proper education enhances you towards a better future. And once you start proceeding towards your better future, you could able to cherish the charm of a successful life. But journey towards a better future by acquiring proper education is no kidding. It needs determination, strong will and of course sound financial backup. First two factors depend upon you while the last one i.e. sound financial backup, varies from person to person. If you have money, you can meet your needs. Now what if you lack it? Well, do not worry. You have college loans around you, which are mainly emerged to help you with sound financial solution when you need money
to cater the needs of your higher education.

College student loans are indeed ideal loans for students in quest of monetary assistance. These loans are flexible and offer easy financial solution to borrowers. Both good and bad credit holder can access college loans. Thus a bad or poor credit score could never be a bar for you in getting the loaned amount during your needs. Moreover by repaying the loaned amount in time, a bad credit holder can even improve his credit score.

College loans are available in the loan market for several specific purposes. As a medical student, you can get Health Professional Student Loans. Engineering students, students of higher technological studies, science, arts, commerce etc can also opt for college loans. All these forms of college loans have several facilities. You can access these at low rate of interest, reasonable repayment option, good amount of money etc.

College loans if accessed through World Wide, can give you several benefits. Here you can reach to several lenders. You can find free online quotation also. With the help of loan calculator, comparison tools etc you can compare the offers of lenders. In this way, you can get the best existing offer regarding college loans and with the loaned amount, you can easily proceed towards a better future.

The effect of fiduciary standards on institutions' preference for dividend-paying stocks

Many researchers apparently believe that some institutional investors prefer dividend-paying stocks because they are subject to the "prudent man" (PM) standard of fiduciary responsibility, under which dividend payments provide prima facie evidence that an investment is prudent. Although this was once accurate for many institutions, during the 1990s most states replaced the PM standard with the less-stringent "prudent investor" (PI) rule, which evaluates the appropriateness of each investment in a portfolio context. Controlling for the general decline in dividend-paying stocks, we find that institutions reduced their holdings of dividend-paying stocks by 2% to 3% as the PI standard spread during the 1990s. Studies of asset pricing and corporate governance should no longer consider dividend payments when evaluating the actions of institutional investors.

Institutional investors play a prominent role in US equity markets by making investment choices on behalf of many savers. These institutions' share of US equity ownership has risen from 11% in 1960 to more than 50% in 2000, and they account for an even larger proportion of equity trading volume (Griffin, Harris, and Topaloglu, 2003). Historically, a "prudent man" (PM) standard of fiduciary care caused some institutional investors to avoid holding shares that did not pay cash dividends. The PM standard judged the appropriateness of each security position on a stand-alone basis, and the payment of regular dividends became a "safe harbor" indicator of a stock's "prudence." The literature contains clear evidence that the PM standard caused bank trust departments to shun non-dividend-paying stocks (Del Guercio, 1996; Schanzenbach and Sitkoff, 2007). Moreover, PM restrictions probably had effects far beyond their narrow applicability to trusts. Legal precedents encouraged other fiduciaries to make similar choices as protection against judicial review of their investment decisions. Yet during the 1990s, most states replaced the PM standard of fiduciary care with the less-stringent "prudent investor" (PI) standard, which evaluates the appropriateness of each investment in a portfolio context. These changes should have weakened or eliminated a restriction on many institutional investors' opportunity sets.

Given the importance of institutional investors to the equity market, researchers must understand the extent to which their behavior was (is) subject to special restrictions. Institutions are typically viewed as rational, informed, and profit-oriented investors. They can provide important monitoring (governance) services to firms whose stock they hold (Shleifer and Vishny, 1986; Allen, Bernardo, and Welch, 2000). Institutions are also viewed as arbitrageurs who will seek profits by offsetting "irrational" asset price movements. Researchers have suggested that constraints on institutional holdings of nondividend-paying shares limited their ability to arbitrage apparent market inefficiencies (Badrinath, Kale, and Noe, 1995). Mauer and Senbet (1992) indicated that institutional preferences for dividend-paying shares limited their ability to speculate against IPOs' high initial returns. Kamara (1997) asserted that investing constraints limited the ability of well-informed institutions to correct the "Monday effect" in stock returns caused by the irrational behavior of smaller investors. Chung (2000) noted that institutions exhibit a preference for high-quality companies because of prudence concerns.

Corporate finance issues are also interwoven with constraints on institutional investing. Allen et al. (2000) speculated that the PM restriction might be turned to the firms' advantage if introducing dividend payments serves to attract additional institutional investors, which provide valuable monitoring services. In their 2002 survey, Brav, Graham, Harvey, and Michaely (2005) asked 166 executives at dividend-paying firms whether institutional preferences affected their dividend decisions, and reported,

   The CFOs do not indicate that institutions as a class prefer
 dividends over repurchases, except perhaps the existence of a small
 dividend payout that is needed to attract certain types of
 institutions. (p. 509, emphasis added)

Grinstein and Michaely (2005, p. 1390) examined the institutional ownership proportions of traded stocks from 1980 to 1996 and presented "clear evidence that institutions prefer dividend-paying firms." They further concluded that "institutions do not show any preference for firms that pay high dividends.... In fact, we find some evidence that institutions prefer low-dividend stocks to high-dividend stocks." Gompers and Metrick (2001) and Bennett, Sias, and Starks (2003) also concluded that a stock's institutional holdings varied inversely with its dividend yield over 1980-1996 and 1983-1997, respectively.

Although the PM standard of fiduciary care once applied to many institutional investors, that standard has been largely replaced in state statutes and Employee Retirement Income Security Act (ERISA). Since 1992, 43 states have substituted the less-restrictive PI standard of fiduciary responsibility, which uses modern portfolio theory to assess an investment's prudence in the context of the overall portfolio. If PM biased institutions toward dividend-paying stocks, the change to PI removed this constraint and should have increased their appetite for non-dividend-paying shares. We present evidence here that the states' removal of PM restrictions led institutional investors to expand their holdings of non-dividend-paying stocks during the 1990s.

Do-it-yourself diversity

VisionPoint's Just Be F.A.I.R. is one of the best self-contained video programs I have seen. The first tape, Just Be F.A.I.R., is a good overview of diversity. It explains what it means to be "culturally competent" and introduces the F.A.I.R. concept (feedback, assistance, inclusion, and respect). It also defines how diversity is different from affirmative action and EEO policies. It not only covers the obvious categories that you'd expect--race, ethnicity, gender, age, religion-but also diversity created by the organization, such as titles, hierarchy, salaries, division, and so on. The video makes a good point that diversity is about relationships. A business case is made that organizations need to pay attention to the business environment, change, and diversity to achieve organizational goals. The second tape, F.A.I.R in Action, is a series of four vignettes that highlight the main points of Just Be F.A.I.R. The first situation involves the importance of communicating and not being "color blind" at the expense of recognizing individual identities. The second vignette, featuring an IT worker assisting another employee, focuses on the potential pitfalls of stereotypes. The third is an appropriate example of a person whose religious faith is overlooked at work when its holidays aren't treated with the same seriousness as mainstream holidays. The last situation involves a new team member' who isn't included in evening meetings because child care makes that difficult. The vignettes are all plausible and serve as great discussion points for the application of the principles brought up in the workshop. The real strength of this program lies in the second video introducing common workplace issues that might not be perceived as diversity issues. The excellent facilitator's guide has a series of well-thought-out participant exercises that can get trainees personally involved with the issues. The guide is clear and easy to navigate, and provides a lot of flexibility for the trainer. There are three different programs, ranging from one hour to a full day, and all are coded by numerical steps to the guide so that customization is straightforward. The PowerPoint presentation is also useful. The guide includes a full transcript of the video dialogue. Matthew Reis is manager of organizational development at Babson College in Wellesley, Massachusetts; reis@babson.edu. Product evaluations are provided by Training Media Review and do not imply endorsement by T+D or ASTD. For more information, contact TMR at 87Z532 1838; www. tmreview.com GOT TO WWW.LEARNINGCIRCUITS.ORG to access TMR's reviews of e-learning materials, including e-courses, authoring software, learning management systems, and more.

Do-it-yourself diversity

VisionPoint's Just Be F.A.I.R. is one of the best self-contained video programs I have seen. The first tape, Just Be F.A.I.R., is a good overview of diversity. It explains what it means to be "culturally competent" and introduces the F.A.I.R. concept (feedback, assistance, inclusion, and respect). It also defines how diversity is different from affirmative action and EEO policies. It not only covers the obvious categories that you'd expect--race, ethnicity, gender, age, religion-but also diversity created by the organization, such as titles, hierarchy, salaries, division, and so on.

The video makes a good point that diversity is about relationships. A business case is made that organizations need to pay attention to the business environment, change, and diversity to achieve organizational goals.

The second tape, F.A.I.R in Action, is a series of four vignettes that highlight the main points of Just Be F.A.I.R. The first situation involves the importance of communicating and not being "color blind" at the expense of recognizing individual identities. The second vignette, featuring an IT worker assisting another employee, focuses on the potential pitfalls of stereotypes. The third is an appropriate example of a person whose religious faith is overlooked at work when its holidays aren't treated with the same seriousness as mainstream holidays. The last situation involves a new team member' who isn't included in evening meetings because child care makes that difficult. The vignettes are all plausible and serve as great discussion points for the application of the principles brought up in the workshop.

The real strength of this program lies in the second video introducing common workplace issues that might not be perceived as diversity issues. The excellent facilitator's guide has a series of well-thought-out participant exercises that can get trainees personally involved with the issues. The guide is clear and easy to navigate, and provides a lot of flexibility for the trainer. There are three different programs, ranging from one hour to a full day, and all are coded by numerical steps to the guide so that customization is straightforward. The PowerPoint presentation is also useful. The guide includes a full transcript of the video dialogue.

Matthew Reis is manager of organizational development at Babson College in Wellesley, Massachusetts; reis@babson.edu.

Product evaluations are provided by Training Media Review and do not imply endorsement by T+D or ASTD. For more information, contact TMR at 87Z532 1838; www. tmreview.com

GOT TO WWW.LEARNINGCIRCUITS.ORG to access TMR's reviews of e-learning materials, including e-courses, authoring software, learning management systems, and more.

Get 5 Free Quotes For Link Bulding Services From Leading SEO Companies

The Web is a competitive place; with billions of sites in existence, search engines rely on their algorithms to determine the outcome of a browsers search result

. A site's popularity in the search results is contingent on its popularity with other sites existing in cyberspace. When other websites link to yours, this serves as a vote in the eyes of the search engines. The more votes a Web site gets, the higher they will rank in the search results.

Marketing is a necessity for every business. Every business needs a Web site to serve as an opportunity to increase revenue. Being noticed via the Internet has become high priority. Businesses look for ways to get Web attention. How is that done? A way to increase your site's popularity on search engines is to accrue inbound links (links on other sites that direct the Web browser to your site). Link Building is the life line of your online business. Having a well designed website and optimized for search engines is not enough, you need to build links to maintain your online reputation and keep building links over time to maintain your traffic and search engine rankings. The benefit of inbound links results in more traffic to your site and an increase in search engine rankings. Search engines hold inbound links in high regards when weighing the value of your site.

For instance if your site works in a specific industry, be the first to deliver news, tips, and suggestions on particular topics germane to your field. Others in your line of work will link to you from their Web sites when they want to convey the news to their browsers. Similarly having a forum on your website is an effective marketing strategy. People like belonging to a community. People will peruse and link to your main site in conjunction with participating in your community gesture.

There are enough ways to attract links. Remember the more inbound links coming to your site, the higher you will rank on the top search engines. The difficulty is in using your creativity and industry know how to create a steam of inbound links to your website. The best way to spawn ideas is to think like a browser. What kinds of things attract your attention? What do you find useful or compelling about certain sites? Answering these questions and doing a lot of browsing will start you on your way to getting more links.

Looking for legitimate ways to boost your site's link popularity? Looking for professional link building services price quote? At WebdesignsQuote.com we help you evaluate multiple Internet marketing and SEO Service companies and gets you the best rates. We'll match your needs with 5 search engine optimization companies that will provide you with competitive quotes for your entire link building needs .Let multiple companies compete for your internet marketing and link building needs. This service is obligation free, and with the sole purpose of ensuring fair, quality SEO

workmanship within the industry.

Credit Card Services and Business Loans for the Small Business

To achieve financial independence, experts encourage even currently employed individuals to consider entrepreneurship. Setting up your own business

, no matter how small, is touted as one of the best ways toward building the foundation for wealth. Those who are concerned about having a safety net need not take the plunge recklessly. One can start setting up a small business even while employed.

Of crucial use to small businesses are credit card services

and small business loans. The entrepreneur needs to know how to avail of these tools and how to effectively wield them for maximum business growth.

Credit Card Services

A small business would do well to get reputable credit card services in order to prosper in the current business climate. Availing of credit card services will enable it to accept both credit card and debit card payments. This is true either for brick-and-mortar businesses or internet based online businesses. After all, most consumers nowadays routinely use credit cards or debit cards for payment purposes. It only makes good business sense to be well-equipped for the needs of credit card users and debit card users as well as for the needs of customers who pay in cash.

Merchant services provide credit card services covering a wide range of solutions for the processing of credit cards and debit cards as payment options. These credit card services include traditional terminal equipment at point of sale, where credit cards or debit cards are swiped. It also includes software and high speed IP solutions for both traditional commerce and e-commerce. Credit card and debit card payments can, therefore, be accepted in person or through the internet, by phone or by fax.

Small Business Loans

Any business – whether a small start-up business, a medium-scaled one or a big business company – will be needing an infusion of additional capital sooner or later. Additional capital is always needed for expansion, additional inventory, additional manpower, new systems, new equipment or a new physical layout.

Capital is not always easy to come by, though. The original investors’ personal coffers may have been emptied by the earlier outlays. Prospective investors may not be keen on shelling out funds in times of crisis. Businesses, therefore, have no choice but to seek business loans.

Getting business loans is a difficult process. Even small business loans are not readily approved. Be prepared to present a lot of documentation and paperwork. For small business loans, the proprietor’s personal credit history is taken into account and related references need to be submitted. Of course, the company’s financial statements are just as important in proving the feasibility of the business and its capacity to repay its business loans. Having a detailed business plan will show your business strategies and projections, demonstrating your business acumen.

Unfortunately, even with all the requirements completed, applications for business loans – including small business loans – are, more often than not, disapproved.

Solutions

Some merchant services provide a comprehensive solution for the needs of small businesses in relation to credit card services and small business loans. The set up is elegantly simple. A small business need only avail of the company’s credit card services to be eligible for merchant cash advances. These cash advances are actually small business loans, except that there is no need to go through the complicated application process for business loans. Repayment is made very easy and worry-free, too. A certain small percentage is built into the credit card processing rates to take care of the advances. This way, repayment is actually done automatically in a very affordable manner and according to income flow.

Small business owners would, indeed, be wise to look into these timely business solutions.

At C-Level interview: Ed Ludwig: a conversation with Chairman, president, and Chief Executive Officer Edward Ludwig of BD

This is the first in a series of conversations with top-level executives on the subject of learning. This month's interview is with Chairman, President, and Chief Executive Officer Edward Ludwig of BD (Becton, Dickinson and Company).

Among the topics discussed were the formation of BD University four years ago and the type of return-on-investment expected from its programs. Ludwig says the ultimate ROI lies in the success of the company. "I believe that the education we do contributes to making the company grow faster, be more profitable, and have higher customer satisfaction ratings," he says.

Ludwig also says that he'd like to be remembered as a CEO who was actively involved with employee development. "I hope that our ability to learn and teach and grow develops its own flywheel and keeps on going. If it does, we will have done something important for the next generation." An article by Ed Betof follows in which he describes how leaders at BD are also teachers. As chief learning officer for BD, Betof discusses how the key element of building organizational and leadership capability is for all levels--from the factory floor to senior leaders--to develop new skills, abilities, and talents.

**********

The first in a series of talks with top-level executives on the subject of learning and performance.

Edward J. Ludwig became president of global medical technology firm BD (Becton, Dickinson and Company) in 1999, CEO in 2000, and chairman of the board in 2002. He joined the company in 1979, as a senior financial analyst and moved steadily through the company in positions of increasing responsibility in financial management, strategic planning, and operations. In an informal conversation, he shared the following views.

Q BD has a thriving university to support its leadership development and to help you communicate the company's values and direction, but that wasn't the case when you became CEO. Describe the situation you stepped into four years ago.

A. One of the first things I did as CEO was an organizational profile to find out from employees what was getting in the way of BD becoming a great company. We learned that not everyone knew where we were going. And we received a strong message that we had to spend more time developing people. That strengthened my conviction that we had to extend and formalize the development process. Our ability to get where we're going is people dependent, skill dependent, adaptability dependent, engagement dependent.

We didn't want traditional training. We'd been through many cycles of that, bringing in experts from schools like Harvard and Stanford once a year and moving from idea to idea. In the absence of a formal development program at corporate, our businesses around the globe were coming up with their own programs, and some of them were teaching management skills and behaviors that we felt were less than ideal. We wanted to promote the BD Orthodoxy--things BD believes to be true about the way we're running the company and what we expect from our leaders.

To prepare for BD's next 100 years, we have to develop new skills, abilities, and approaches. And we believed that the best way to do that was through a combination of formalized curriculum, on-the-job training, developmental assignments, and leaders serving as teachers for some of the content. All of this led to the formation of BD University four years ago.

Q. Leaders serving as teachers is an important part of the plan. You yourself teach classes several times a year. What makes it worth the investment of your personal time?

A. Teaching gives me the opportunity to talk directly to people about where we are going, about our journey to become a great company. Initially, these sessions made me understand that we needed to increase our communication substantially. I began to travel more, to make videos for employees, to hold conference calls, and to send email about our purpose, our goals, our values, and our directions.

In my teaching role, I answer a lot of questions, and that has helped me clarify my own ideas about where the company should be going. I learn from teaching, and I think it has made me a better communicator of our strategies.

Frankly, I don't think the role of teacher is optional for a CEO in today's complex, multifunctional, multinational, technology organization. It's part of the job. And it's a fun part.

Q. Do you expect or demand an ROI from the programs offered through BD University?

A. We debate that extensively here. We haven't yet figured out a way to do a specific return-on-investment, where you get a dollar invested and a dollar returned. However, we look at nonfinancial metrics. The ultimate question is, Is the company being more successful? I believe that the education we do contributes to making the company grow faster, be more profitable, and have higher customer satisfaction ratings.

Our programs have a strong element of personal accountability. Many require follow-up action with a person's supervisor. I tell people, "If you don't have a development program, you have the right to demand one."

Estimating shareholder risk premia using analysts' growth forecasts - Practical Issues in Valuations

One of the most widely used concepts in finance is that shareholders require a risk premium over bond yields to bear the additional risks of equity investments. While models such as the two-parameter capital asset pricing model (CAPM) or arbitrage pricing theory offer explicit methods for varying risk premia across securities, the models are invariably linked to some underlying market (or factor-specific) risk premium. Unfortunately, the theortical models provide limited practical advice on establishing empirical estimates of such a benchmark market risk premium. As a result, the typical advice to practitioners is to estimate the market risk premium based on historical realizations of share and bond returns (see Brealey and Myers [3]).
Most RecentFinancial Services Articles

In this paper, we present estimates of shareholder required rates of return and risk premia which are derived using forward-looking analysts' growth forecasts. We update, through 1991, earlier work which, due to data availability, was restricted to the period 1982-1984 (Harris [12]). Using stronger tests, we also reexamine the efficacy of using such an expectational approach as an alternative to the use of historical averages. Using the S&P 500 as a proxy for the market portfolio, we find an average market risk premium (1982-1991) of 6.47% above yields on long-term U.S. government bonds and 5.13% above yields on corporate bonds. We also find that required returns for individual stocks vary directly with their risk (as proxied by beta) and that the market risk premium varies over time. In particular, the equity market premium over government bond yields is higher in low interest rate environments and when there is a larger spread between corporate and government bond yields. These findings show that, in addition to fitting the theoretical requirement of being forward-looking, the utilization of analysts' forecasts in estimating return requirements provides reasonable empirical results that can be useful in practical applications.

Section I provides background on the estimation of equity required returns and a brief discussion of related literature on financial analysts' forecasts (FAF). In Section II, models and data are discussed. Following a comparison of the results to historical risk premia, the estimates are subjected to economic tests of both their time-series and cross-sectional characteristics in Section III. Finally, conclusions are offered in Section IV.

I. Background and Literature Review

In establishing economic criteria for resource allocation, it is often convenient to use the notion of a shareholder's required rate of return. Such a rate (k) is the minimum level of expected return necessary to compensate the investor for bearing risks and receiving dollars in the future rather than in the present. In general, k will depend on returns available on alternative investments (e.g., bonds or other equities) and the riskiness of the stock. To isolate the effects of risk, it is useful to work in terms of a risk premium (rp), defined as

rp = k - i, (1)

where i = required return for a zero risk investment.(1)

Lacking a superior alternative, investigators often use averages of historical realizations to estimate a benchmark "market" risk premium which then may be adjusted for the relative risk of individual stocks (e.g., using the CAPM or a variant). The historical studies of Ibbotson Associates [13] have been used frequently to implement this approach.(2) This historical approach requires the assumptions that past realizations are a good surrogate for future expectations and, as typically applied, that risk premia are constant over time. Carleton and Lakonishok [5] demonstrate empirically some of the problems with such historical premia when they are disaggregated for different time periods or groups of firms.

As an alternative to historical estimates, the current paper derives estimates of k, and hence, implied values of rp, using publicly available expectational data. This expectational approach employs the dividend growth model (hereafter referred to as the discounted cash flow or DCF model) in which a consensus measure of financial analysts' forecasts (FAF) of earnings is used as a proxy for investor expectations. Earlier works by Malkiel [17], Brigham, Vinson, and Shome [4], and Harris [12] have used FAF in DCF models, and this approach has been employed in regulatory settings (see Harris [12]) and suggested by consultants as an alternative to use of historical data (e.g., Ibbotson Associates [13, pp. 127, 128]). Unfortunately, the published studies use data extending to 1984 at the latest. Our paper draws on this earlier work but extends it through 1991.[3] Our work is closest to that done by Harris [12], who reviews literature showing a strong link between equity prices and FAF and supporting the use of FAF as a proxy for investor expectations. Using data from 1982 to 1984, Harris' results suggest that this expectational approach to estimating equity risk premia is an encouraging alternative to the use of historical averages. He also demonstrates that such risk premia vary both cross-sectionally with the riskiness of individual stocks and over time with financial market conditions.

How To Earn Extra Cash With Paid Survey

Want to know how to earn extra cash?You can earn extra cash
with paid survey.Hard to Believe? But, it is true! You can have fun and enjoy every minute you spend doing online surveys for money
. Now, this is going to be very interesting. You just gather the required information and add in an input that are your own and that's it. You get paid for conducting the survey and I promise you that this would be a very fascinating job and would be an informative experience. You will come to know what the customers feel about a particular product and the features which they like or dislike and whether they feel the features of the product are modern or obsolete. Please do not think of it as a dull marketing survey that is usually conducted by unimaginative people from door to door. In an online survey for money you have before you thousands of potential customers who can be easily motivated to answer in a leisurely manner by just sitting before the computer. Another thing that sets online surveys for money apart is that the respondent can answer your email query when he has some free time and chances are bright that he would provide valuable information as he is in relaxed mood.

There are some important things to remember before dashing out. First of all your own mail should make interesting reading to your targeted people. The email must be eye-catching and the contents should appear honest and appealing. Only then you can motivate the receiver of your email to respond to your queries with interest. In short, he must feel that there is something useful here and by responding to the queries honestly he would stand benefited. This is the vital care you should take as there is always a chance your email would be simply brushed aside. This holds well even if the product you wish to discuss about has stunning merits. You must go all out to elicit the most helpful answers from the respondent. Remember that no body is thrilled on receiving a questionnaire. Even after starting to answer, the question foremost in the mind of the respondent would be; what is in it for me? You must create a deep interest in the product and the respondent should feel happy to complete the questionnaire.

You can also take part in a lot of online surveys for money at the same time. This is facilitated by the internet without which such a venture would be impossible. Innovative thinking and trying to think in the respondent's shoes will bring success to you. By getting enrolled into various marketing companies you will be kept busy and earn a lot of money.

Plan in advance before you start doing online surveys for money. You should have a huge collection of email contact addresses to send your queries. Only then you can send the questionnaires fast and the reply will also be fast. Immediately on receiving the questionnaire from the company you should send the email to as many people as possible. You can not be wasting time, trying to collect email addresses
after registering to do online surveys for money.Your success in online surveys for money will depend on your speed and imaginative thinking.

Visit here to find more about how to earn extra cash with paid survey. It will only take you a moment, and it may change your life.

Everyone wants to know How to eBay

The list of questions regarding EBay is endless. There are plenty of questions people have regarding its use and services. How do I buy something? How do I sell something? Even questions like how do I use EBay? They're all possible questions people will encounter when using its services.

So how do I sell something on EBay? Well the answer to that question is what do you want to sell? If you already know what you want to sell then you're a step closer already. The next part of the process is to set up a membership with EBay. It's free to register with EBay but they have fees when you sell things. The fees on EBay aren't bad at all so don't worry about expensive costs. You need to list your item and some things like a description of the thing you are selling. So people know what it is. Set a price that you think the item should start at and the duration of time you want the item listed.

So how do I buy something on EBay? Again it starts with having an account. Since that is stated above we will skip talking about that again. The first process involves finding the thing that you want to buy. You can locate the item by searching through EBay's listed items. You can type it directly into the search field or you can search through the category menus. There are lots of different categories and options available to limit your search by. These include time left, buyout available, bids, etc.

Using EBay isn't as hard as it may seem at first. You need to have an account set up if you wish to purchase or sell anything on their website. It isn't too bad and doesn't take very long to complete. Otherwise you can search EBay through categories. They will have menus upon menus for selecting items that you may be interested in buying. Really the possibilities are endless.

For those that haven't used an online service before then no worries there are tons of helpful guides out there. Like with all things that you haven't done before just try it. Play with it as much as you can. That's the best way to learn how to use something.

There are tons of questions when it comes to using EBay as there should be. It's important to know and remember that no matter the amount of questions there are always answers.

Using Your Blog to Market Your Internet Business

Blogging has been around for many years and more recently it has been considered as one of the addicting fads. Many teenagers have resorted to blogging as an outlet for their emotions, a little online nook where they can blurt out whatever just bugs them or whatever makes them feel elated. Savvy marketers have discovered that blogging is one of the best Internet marketing methods that won’t cost you a cent.
What is Blogging?
It is the widely used term that refers to web log. Basically, a web log (a.k.a blog) is an online journal. A blog could be set up to no cost at all, and can be used for just for the fun of it or for business reasons. Blogging for your Internet business
is one fastest way to boost the visibility of your products and services. A few ways to boost your internet advertising
with the help of a blog are:

1.Keep your clients or customers abreast on your website’s alterations. Your new products and services on your website could also be announced through your blog.
2.Keep track of your business objectives and plans through open writing. Your blog content can be easily stored through archives. What could be better than searchable information that could be easily accessed by anyone browsing the Internet? Knowledge can give you a real advantage.
3.Air your opinions, advice or reviews on specific services or products that are related to your business. Publishing is a very easy process with blogging.
4.Include links that will fetch back links and continually improve your ranking on search engines. By writing great articles on your blog you will attract these links quickly. Affiliate links could also be included in your blog to earn more extra income.
5.Collect response through the ability of blogs to fetch comments from your blog readers. You can learn and improve your products and services by receiving feedback from your readers.
6.Connect easily with other bloggers. When other bloggers notice that you have something good in your blog, they will put you in their favourite lists that will automatically link you to their blogs.

As you can see, there are many advantages by using blogs to market your Internet business. Go ahead, take action today and try some of these ideas in your Internet business.

Five of the Greatest Make Money Online Tips

When deciding to move your income stream to an online business
there are many things to look at. I mean, the last thing you want happen, is getting scammed. That is why I made this list of instructions to help you on your way to great fortune, on the internet.

(1) Money Back Guarantee
Many people say that you should not join a program that asks you for money before you join. In most cases the people that say this are right. But not in all cases; some programs offer extensive amounts of tutorials, one on one support and mentor ship. These people spend time to make these programs, to help you. Asking money for their work is completely acceptable. But what is not acceptable is when you have to pay to receive a job. You would not go to Taco Bell and hand them a one hundred dollar bill to work there. No one in their right mind would!

(2) Strength of Sales Pitch
When reading a site watch for how they portray their content and how many examples they give you. They also should tell you what you will receive inside. Multiple videos, testimonials, and shown facts, make the site more believable. A good thing to look for is if their site is listed on many different networks, such as CNN, Fox News, ABC, and CNBC. What this shows is that it was looked upon by these big companies. They would not tell you about a site where you can not make money on because they simply cannot afford it. Someone could very easily sue them. But, if a site just says something like, "as seen on t.v.", that could very well still be a scam. The same thing goes for, "as seen on Google" because it is very easy to put things on Google. Just because something is listed on Google, does not mean they are real.

(3) Testimonials
Even though it is very illegal to make fake testimonials, people still do it. So be careful whether or not to believe them or not. Take the as a "grain of salt", as I like to say. If the testimonials are people all dressed up and professional shots, they are probably fake. The average person won't go through all the trouble just to send a picture of themselves like that to a website.

(4) Mentor ship
Being able to have one on one mentor ship is strongly suggested by me. Joining a program where they never mention if they help you, is one to stay away from. This is because, the site might have good content on it, but they might just leave you with the information and you do what you want with it. With no help at all! Its morally wrong, but many people do it. Especial so called Gurus. Which brings us to the last point.

(5) Make Money Gurus
These guys are a joke! Pay no attention to their sales pitches and leave their sites as soon as you relies it is owned by one of these guys. Not one of them wants you to make money. They will give you information to make money with, but they will leave out all the major details. To through you off the beaten path and have you heading towards a rail road crash for your wallet. There has been many tests for these so called Gurus, and it was shown that they are not to trusted.

I hope I was some help with these facts. I struggled for years to make money online and now I want to help people. So they do not have to go through what I did. Take this information to heart because it will help greatly. I will share with you an example of a great website to join. This site shows all the facts, all the proof, personal contact information, mentor ship, strong sales pitch and testimonials. He is also not a greedy internet Guru.

Work from home simple solution

I bet you would love to make millions of dollars to work from home online wouldn’t you? You have probably tried every trick in the book, right? But have you ever tried being honest?

People hate to be sold. They can sense it like an animal senses fear and as soon as they do they shut down. Or in internet marketing jargon, “they click the back button”.

That is something you, as an entrepreneur never want. When you look at your traffic data and see that a large percentage of people only stay on your site for 0 – 30 seconds, you know something is not right. If you are using targeted keywords, which most of us are, your users should want to look further into your site. Research has shown that the reason most people leave a website after clicking on a relevant ad is because they feel the content is not credible. In other words they don’t believe you! You are probably trying to sell them instead of talking to them.

When you write an article, post to your blog, or generate a sales page you should talk to your visitor the way you would talk to a friend. Think about it. Would you give your friend a sales pitch? Would you want your friend to give YOU a sales pitch? Of course you wouldn’t. So don’t do it to a visitor to your website. Consider your website your home. It is your little space in cyber-space. When someone visits your website treat them with respect and honesty. People appreciate that and pick-up on it immediately.

To write successful ebooks you must be honest. I don’t believe there is a more effective way of writing an ebook than to be honest and passionate about your subject. Write about something that really interests you and when you write from that point of view your content will be heartfelt, passionate and most of all honest. Your readers will recognize that and be drawn in to your story. People are a lot smarter than you think and chances are they will trust you and continue to read your material.

I know what I am talking about here because I have used this approach for years and it has allowed me build a substantial work from home online passive income. I only write about subjects that are interesting to me. I supply good, honest content and as a result I have been able to build a list of over 1400 loyal readers. The secret to my success is honesty.

If you look at the most successful and well established websites they focus on honesty, integrity and respect. For example; Amazon, Yahoo, Google, they all strive to provide a better user-experience and they have been very successful in doing so. Their policies and practices are all user-driven. If the user is happy they will return and these companies have proven that. What works for them will surely work for you.