Breaking Down Financial Analytics For You

Financial analytics extracts past financial data of the company to help in making future investment decisions and analysis. It evaluates the business as a whole, projects and budgets with the help of balance sheets, income statements and cash flow statements. In financial analytics, the analyst calculates ratios with the collected data and compares it to own own past performance or to other competitor companies. Deep understanding of finance is very essential to run a successful business. The profit or loss, success or failure of a business depends on its financial success. Business goals and outcomes are set in terms of financial achievement. For this reasons many business analytics firms have embedded financial analytics and investment analytics as part of their services.

Handling finances in a business involves evaluating current markets, creating policies and making long term plans for it. It involves the handling of expenses, sales, purchases, investments etc. A thorough analysis can be done by assessing balance sheets and statements. A great deal can be learned when data from different accounts are put together. Let us see a few requirements at the core of financial analytics.

Balance sheet: The balance sheet outlines the available resources for the businesses' future use. This sheet plainly states these resources and does not make any conclusion of profit or loss or they the information must be used by analyst. Since you can use a balance sheet to analyze the current standing of the company by comparing it to previous ones and deciphering the expected performance. A balance sheet consists of two parts- assets and liabilities. Assets are the current assets, those that may be acquired through the year, and the ones that will be acquired at a later time too. Liabilities include all the debts, taxes etc that may need to be cleared in the current year and even those that may be due at a later date. Investment analytics can also be based on this sheet.

Income Statement: The income sheet comes close to being a company's performance indicator. It states the earnings, expenses and the profit or loss. The income sheet compiles all expenses and incomes and gives the bottom line ie "Net Income".

Cash flow statement: The cash flow statement records the inflow and outflow of cash and states the actual performance of a company. It describes the ability and extent of investments possible.

Each of these sheets of facts and figures is compared against a certain set or determined benchmarks. Finance being "the" most important factor of business, an analysis of the same helps in shaping the future success of the company.

How To Double Your Income in 2018

I am about to share with you an indisputable action plan that will dramatically increase your income if you have the courage to make it happen.

But first, The question must be asked, "Why is it that some people make $ 5000.00 a day and other people only make $ 250.00 a day. (Or less)

Is it because they are more intelligent?
Maybe it is because they are better looking?
Perhaps it is because of the people they know?

While they may have a small contribution to someone being successful, the truth is that you can be the most intelligent, good looking individual that knows lots of people, and yet still struggle through life.

Consider this. Have you ever seen someone that you know is dumber than you become far more successful than you? (c'mon, you can admit it, no one is watching.)

So, how have they increased their income?

They simply know something you do not know, and they are doing what you are not doing.

They may not have realized it, but they have understood this formula.

And, most importantly, they got serious about changing their situation.

Let me explain.

If someone has a problem, they are willing to pay for a solution.

Let me give you some example of what I mean.

Imagine that a business owner wants to improve the results they want to achieve in their business, and, despite their best efforts, they have not worked out how to increase profits in their business.

You then come along and prove to them beyond a shadow of a doubt that you can double the profits in their business. Do you think they would like your help?

Of course they would. All you need to do is remove doubt and risk from their decision, and they would welcome you with open arms.

And if you helped them make an extra $ 500,000.00 in their business do you think they would be happy to give you $ 50,000.00 (probably more) in return for your help? Of course they would.

Now, what has allowed you to make this $ 50,000.00 without having to own a business or employ lots of staff?

Knowledge.

You simply knew how to solve a problem that your client did not.

What I have shown you is an example of applying the problem, solution formula.

So, how does this help you double your income?

Action Plan:

Work out what problems there are in the market place that people are willing to pay for the solutions to and set about gaining (and implementing) the knowledge.

I have helped horse trainers, single mothers, engineers, labourers and many other people from all walks of life double their income very quickly by teaching them how to become highly paid business consultants.

If you would like to see how they achieved this register for my Discovery Webinar and I will show you how it is possible to generate a Six, even a Seven figure income by becoming a business consultant.

20+ Helpful Tech Gadgets Tips - The Ultimate Troubleshooting Guide

It is no secret that technology has its flaws. When you buy cool tech gadgets they are not guaranteed to be 100% perfect. But sometimes the problem can be misuse of the product due to the buyer not reading the instructions carefully. Hi tech gadgets can present all sorts of problems from having a small glitch to having absolutely no power at all. I'm sure you like everyone else has bought Cool new tech gadgets only to get home to find something wrong with them, not a nice feeling. Here is a check list you should follow after buying tech gadgets:

1) Always read the user manual, this will often show you something you've done wrong. Never assume you know everything about it.

2) Check and double check that everything that is supposedly to be in the box is actually in the box. People throw away cables or small things because they do not look thoroughly through the packaging.

3) Be sure you check that all the appropriate accessories have been supplied, these can sometimes be excluded in the factory.

4) If you have bought a device from a foreign country you will need to check the voltage as this may vary. Failure do so could cause a shortage in your house and the destruction of your new high tech gadget.

5) Always check to see if the LED indicator is active, this lets you know that your new tech gadgets are receiving power.

6) Double check the battery is inserted properly; it should fit in nicely and not be loose. Most batteries will have an indicator on them as to which way they should fit.

7) Check the manual to see if all your cables are connected in the correct way.

8) Ensure that your cable is not the problem. You can check a cable by using it in another device that is similar.

9) Make sure that the side of a SIM card with the chip showing is face down in the device and connected.

10) Turning a device on and off can sometimes create a power surge that gives a new device the necessary power it needs on an initial boot up. This is the reason most Microsoft engineers will ask someone to do this first.

11) It is important to calibrate touch screen devices so that the device can adjust to your unique style of handling it.

13) When connecting to a PC make sure your device is connectable with your operating system whether it's 32-bit or 64-bit. A 64-bit system is faster than a 32-bit system.

14) When using an SD card or a GSM card make sure it is compatible with your device. Otherwise it simply will not work.

15) When you put media files on a GPS navigator or car DVD players it can confuse the device and it will not know what information to read.

16) Always get reviews from Google on apps or files types you have not tried before to see if there are any issues with them.

17) Always check that your device supports the file format you are trying to use. AVI and DIVX different at times as AVI is a container and DIVX is a codec.

18) Only perform a factory reset a last resort because you will lose all data and setting previously stored.

19) Do not flash your firmware unless you're ready for the full responsibility of repairing it. Most ecommerce stores and electronics retailers treat this as a warranty voiding issue because it is most frequently done incorrectly.

20) Anything extra that you sue on a device uses more power. So, if you're having a problem with short battery life, it's a good idea to turn off things like wifi, Bluetooth and screen luminosity.

21) Sellers keep batteries in remotes fresh by changing them or by using a high quality brand.

22) Is your device performing slower, or more choppily than it did the previous day? Perhaps you have not given it enough time to 'boot up'. Always give a device some time to start up. This is because if there are many programs they might take a few moments to boot. There you have it, you now have enough information to be your friends' and family's' go to guy 'for tech gadgets problems.

Computer Networking Simplified

So what is computer networking? To the uninitiated this term may sound intimidating but you may have already come across it or have even used it either at work or at home. For those new to computer networking, simply put, a network refers to a system where two or more computers are connected to each other. This is done so people can share things like information or computer hardware, like a printer for instance.

Now there are several things you need to set up a computer network. The most basic system consists of a protocol, NICs or network interface cards, cable and a hub.

A protocol is a set of rules that the computers have to follow in order for them to "speak the same language". For example, http is a protocol. If you want to be able to access a website from your computer that works on http, the website you are accessing must also operate on the same protocol otherwise you will not be able to read the site.

NICs are cards that you put at the back or side of a computer. This allows the computers to communicate with each other. A cable is simply a wire that connects the computers together and the hub is a device that controls traffic, for example, information that one computer sends to another.

Now this is a list of items for a standard network. You're going to need a different set of devices if you are going to go for wireless networking.

How does a computer network work? Let's say for instance, you want to send information from your desktop to your father's computer. The NIC on your PC transfers the file through the cable into the hub. The hub then transfers the data to your father's computer. If each of the units uses the same protocol then the information is accepted by your dad's computer and he will be able to open the file you just sent.

There are two types of networks: the LAN or local area network and the WAN or wide area network.

The LAN is a very simple type of network where all the units you connect are located in one place. There are two types of LAN, peer to peer and client server. A peer to peer network is where two or more computers are connected to each other directly. For example, computer 1 is connected to computer 2, computer 2 is connected to computer 3 and so on. The computers are dependent on each other so if one unit experiences problems, the others simply will not be able to connect to each other. The client server type is where all computers are connected to a main unit. This is more convenient because if one computer has problems, the others will not be affected. You will still be able to exchange data.

An example of a WAN is the internet. As you can see, this is a very large type of network allowing millions of users to connect with each other.

More and more people are looking to computer networking, even at home. This affords people more convenience and makes day to day life more efficient

How to Create Your Own Product 1 - Research and Outline

MODULE 1

CHAPTER 11

HOW TO CREATE YOUR OWN PRODUCT 1

- RESEARCH AND OUTLINE

1.0 INTRODUCTION

2.0 OBJECTIVES

3.0 MAIN CONTENT

3.1 Start with Information Product

3.2 The pros

• The Leverages
• Global Marketplace
• Deploying the Power of Global Alliances
• Better Kitted for Success on a Global Dimension
• You Become a Highly Marketable Expert
• Robust Resources for Premium Sales
• Residual Income Extraordinaire
• High Returns on Investment

3.3 The Cons

3.3.1 The Learning Curve

3.4 A Blissful Start

3.5 Remember, 'Everything is a Remix'

3.6.0 How to Decide on the Kind of Product That You Want to Create

3.6.1 Meet Specific Need

• Conduct a Survey of Your Audience
• Scour the Internet for Blog Comments and Forums on Your Niche Market
• Read Between the Lines
• Showcase Your Expertise

3.7.0 Start with Your Most Convenient Method

• Audio
• eBook
• Video

3.8 Product Forms

3.9.0 The Process

3.9.1 Do your market research

3.9.2 Sourcing for Marketable Information

• Private resale rights
• Interview experts
• Compile popular questions and give answers
• Permissible thefts
• Record other people seminar and reuse
• Set up webinars and teleseminars
• Screen capture your skills using your computer
• Adapt a successful eBook into another language

3.10.0 The Act and the Art of Creating Your Own Product

3.10.1 Write out your product outline

• Write the eBook in Full
• Turn it into PDF
• Make Your eBook Beautiful

3.11 Write the Email Swipes

3.12 Create and Set up the Sales letter

4.0 CONCLUSION

5.0 SUMMARY

6.0 ASSIGNMENT

1.0 INTRODUCTION

Creating your own product for sale to your market is by far, a better idea, but it has some pros and cons.

2.0 OBJECTIVES

• To give details procedures involve in creating an information products
• To provide resourceful links to make this possible
• To encourage learners to use this ecourse to plan and create their first information product

3.0 MAIN COURSE

When you are about to start an Internet Marketing business, two things will come come to your mind.

The two things are:

• are you going to sell your own products, and render services directly from your own self hosted website
• or sell someone else product and services?

In other words, what are you going to sell to your customers?

3.1 Start with Information Product

Let me assume that your answer is that you want to sell your own information products. You may not want to start with a service like web hosting or website design service as you may not be a Technical person (AKA a Techie).

Hopefully, you will get to that point someday, if that is what you want. But for now it is a good flay of wisdom to offer an information product for obvious reasons - it is an easier, faster and highly profitable approach to online business.

Creating your own product for sale to your market is by far, a better idea, but it has some pros and cons:

3.2.0 The pros

• The Leverages

Internet offers the greatest leverages now for any business than had ever existed in Industrial History till date.

If you have not done so before now, please hurry, find and read the book 'Retire Young, Retire Rich' by Robert Kiyosaki, and you will understand the above statement more.

This simply means more leverages, more profits at shorter period for your business.

• Global Marketplace

Having even one digital product to sell to the whole world is abundantly more than enough to pull you out of the woods - ie if you know what to do.

Infact, it is knowing the process that really matter in this business, and that is what you should pay rapt attention to learn in these your formative years in this business.

After that, the rest is history, and it is you that is going to create or rather, recreate that your life history.

• Deploying the Power of Global Alliances

By way of Affiliates who offer their lists and expertise to serve you in marketing your product (s) for free.

• Better Kitted for Success on a Global Dimension

Talking about the skills and experience you gain in the process, you are among the best, on a global scale, not just a local champion and not just for a while but for an expired period of any foreseeable future. Can you beat that?

• You Become a Highly Marketable Expert

You can now build more and more products faster after the initial experience. Your can do this for yourself and others if you wish to.

• Robust Resources for Premium Sales

Your initial product can easily be turn into other forms for sales at higher prices - Audio, eBook, Membership site, etc.

• Residual Income Extraordinaire

You just create it once and sell over and over again, with few and rare revisions when necessary to keep up with technological development in the marketplace.

• High returns on investment

Such that is never heard of in any other industry. Most of the time, when done, correctly, it usually brings in a consistent basis, over 100% returns on investment (ROI).

There are so many other advantages to be enjoyed by a digital product owner, but let us just break here so that we can focus on other related issues.

3.3.0 The cons

3.3.1 The Learning Curve

This will cost you a bit more in terms of time and money.

But, it is doable.

3.4 A Blissful Start

If you are a professional or you have a high in demand skill set, you can easily start by selling some useful advice on that online.

For instance, you may be a Tailor, Seamstress, Organist, Teacher, Nurse, Doctor, Engineer, Accountant, etc. Do market research on the aspects of your profession that people are searching for more information with the tools that we discussed in chapters 2 and 3 of this ecourse.

Use those results of your market research to build your own product as we will discuss in this and subsequent chapter.

A teacher may for instance decide to own a website and teach the whole instead of just his classroom members. Look in the direction of any of the following courses which are already in high demand globally:

beauty tips,

language lessons - French, German, Russian, Chinese and even English.

Remember, our world has become a global village, there is therefore a very high demand for these lessons worldwide.

A Nurse can teach Health with special bias on Natural Remedies. Most ailments that have become anathema in Western (Orthodox) medicine have been resolved with the help of these natural remedies. Thus, information on natural cures for cancer, diabetes, arthritis, etc. are selling like hot cake online now.

We have noted somewhere that as far as information marketing is concerned, the big three areas are Health and Beauty, Love and Relationship, and How to Make Money.

But this does not mean that information is not selling in other areas, or that people are not making a living online selling other products outside the big three. For instance, an Engineer may resort to Technical Writing. People who are not even Engineers are doing well in technical writing.

In your own country, what is the current challenges that people have? Remember your information product is not meant to be all about you, but to help people who buy them to solve their immediate problems.

Some people in your country want to travel abroad, learn baking, get overseas education, do rice farming, do importation, export cassava and garlic, learn computer programming, web design, SEO, decoration, etc., etc.

Please note that to minimize delay and confusion of what product to sell, you must first of all decide if you want to start selling at the local or foreign market .

There are a whole world of differences in both marketplaces.

Again, you do not have to be an expert.

Just find out what people want and assemble information that satisfies that specific want and give it to them at a profit.

3.5 Remember, 'Everything is a Remix'

Google for 'Everything is a Remix on Vimeo' and watch the online video.

Also remember what Steve Jobs said:

'Good Artists Copy, Great Artist Steal. We have always been shameless about stealing great ideas' - Steve Jobs, 1994.

This boils down to: creativity + innovation (s) = invention (s) .

Again, let's look at it this way, the basis of modern day information and communication industry started with the invention of:

Telephone, then,

Radio, then,

Telegram (telegraph), then,

Black and white television, then,

Colored television, then,

Satellite television, then,

Mobile telephone, then,

Mobile satellite television (in mobile phones and PCs), then,

Mobile private and public satellite Video (TV) Channel eg YouTube

Mobile private and public satellite Radio Channel (in mobile phones and PCs), then,

And so on and so forth ... more abound that I have not mentioned here, and many more are yet to come.

I am not about the order of which one came first, I am leaving that to the students of history and philosophy of science, but my concerns are:

the connectivity of the basic idea * + the main new idea ** ,

the creativity ,

the innovation and

the 'invention mix' (as in the 'market mix').

And, it all started with GRAHAM BELL's telephone.

In fact, if you scour the internet, you will discover that, it was not Graham Bell that originally invented the telephone, but the court, US and history at large just credited it to his name because of the wise and skilful innovations he added to the original patent that made it commercially viable till date!

( * the basic idea or the general idea here refer to communication by the old, usual and the natural means.

** while the main new idea here refers to communication by the new means ie the newly discovered or to be discovered means, in the case of telephone - communication by means of electrical wires ).

That is what I referred to as 'stealing really' in chapter 9 of this course:

In our days - the 21st century, you do not even need to steal, just ask the experts for a sample or complimentary copy and they will happily oblique.

So do not be afraid to give an old information a new dress, shape or form. It could turn out to be very useful to you or at least to the rest of the people out there.

No, just go and take a long-drawn-look at the marketplaces, the categories, the niches and the sub niches and you will discover profitable niches to play along.

Sites like Nairaland, Hot Spot, ClickBank or JVZoo are good places to begin.

3.6.0 How to Decide on the Kind of Product That You Want to Create

Please note well what I want to say now.

It is what makes the difference between a successful business and a struggling one. It also applies to offline business, not just internet marketing only.

Do not sell what people are not looking for. Find out what they are looking for to use and resolve their problems and fetch out or create the information product (s) for them and they will happily and repeatedly hand over their money to you in exchange for the solution to their problem.

Another way to say this is:

People generally want to buy solution to their problems. They have a pain they want to heal, they have a sore or painful area in their live that they want to resolve as soon as possible or they have a level of pleasure that they want to enjoy. That is the reason they go online to seek for solutions.

Thus, your product must be a solution to their sore or painful areas of their lives, or it must provide the pleasure they need. It must give them a specific pain (s) or give them a specific pleasure (s) they were looking for.

That and that alone is what will make them match down your website in droves in search for your product. So far as it resolve the pains or provide the needed pleasure, they will happily and repeatedly pay you for it.

But, there is still another way of saying this: 'in online business, first, find out what people want to buy, then, find (or create) the product and sell to them at a profit'.

In practice, this applies in reverse order to offline business: where people first, find or create the product before they set out to find a market to sell to.

Thus, this small difference is what makes online business a highly profitable venture compared to offline counterparts.

By the time you finish the process of getting your information product, the market is ready, willing and even very hungry to buy it from you.

3.6.1 Meet Specific Need

You Can Be Sure Your Product Will Meet Specific Need and bring in high returns by doing the following things:

• Conduct a Survey of Your Audience

This is possible if you have an existing Blog or Email list. If not, do not worry, there are many other ways to do this as we shall see next.

On your blog comment or email feedback, ask them the type of product that they will like to have, the format and the topics they will like treated. Find time to interact with your blog readers or members of your list. It can be very rewarding.

• Scour the Internet for Blog Comments and Forums on Your Niche Market

Many people go online to talk about their problems and their cares. If there are many people talking about a certain issue in a forum or blog, this means that products that resolve such matter will sell well. Some blogs and forum required signed membership for this very reason, so do not be afraid to sign up. Do not ignore the social media in the process: Facebook, Twitter, Instagram, YouTube, Google Hangout, etc.

• Read Between the Lines

This an advanced tactics. If you are already selling affiliate products online successfully, then watch out the type of products that people buys regularly and create similar product of your own in the market. It will sell like wildfire.

Remember, everything is a remix!

Not only in this business but in all aspects of life, everything is a remix.

You can also observe your blog for the most broadly read articles and then create related products for sale. Then just add your links to those popular products and you are good to go.

• Showcase Your Expertise

I have already talked about this in the previous paragraphs. As a professional, if you have a high-in-demand expertise (eg a beautician, physiotherapist, naturalist, etc.), then you can do market research to find out how people like you are selling theirs online and follow suit.

To avoid creating a product that will not make you money for your effort and investment follow these step one by one and will you find among them one, two or more that you can follow through based on your level of experience.

Please go back and follow the above steps one after the other to arrive at a marketable and profitable product (s).

3.7.0 Start with Your Most Convenient Method

• Audio - you can just read out or dictate or talk what you intend to write in a standby microphone in a silent environment where there is no background noise. At the end what you have is an audio product that you can sell anywhere around the globe.

Audacity is one of the best tools for doing this, Google for: audacityteam.

• eBook - later, copying out the content of your audio product into a computer software like the Microsoft word (Open Office, it's a FREE software, just browse and get it on the net) will create an eBook for you.

To sell it online all you need is to turn it into a Portable Document File (PDF) and it becomes a scalable product. More on this in a while.

• Video - in most part of the world, people who wax music for the first time normally start with an audio CD and later a Video CD and progress to other formats including FLAC, MP3, WMA, WAV, etc. Egypt vice versa.

Did you ever ask, why?

Convenience, cost and preferences.

Camtasia Studio is one of the best and industry standard nowdays for online video. But you can even start with your smart phone and upload the videos onto YouTube and it will be acceptable while you are making money to acquire expensive camera or learning how to use online software like Camtasia.

3.8 Other Product Forms

In the final analysis, your product must take so many forms so that you can sell it in so many markets in response to the market preferences.

Such forms include:

Audio training

Video series

Questions and answers

Membership Site with new content added monthly

eBooks

Coaching supported by telephone calls,

Emails,

Skype,

Webinar,

Short reports,

Assignments,

Templates,

Continuity programs - weekly, fortnightly, monthly, quarterly, bimonthly, etc.

Workbooks,

Swipe files, and so on and so forth.

Suppose you want to start by creating your own digital product now, how do you start?

3.9.0 The Process

Below is an example of steps to follow in your information product creation process:

3.9.1 Do your market research

Google Keyword Planner, Market Samurai, and Longtail Pro, Nichebot are the best tools in the market for this task. I have already discussed in one of this course how to use at least one of them. You can Google for others.

3.9.2 Sourcing for Marketable Information

To make product creation a lot easier for most green horns and even topflight experienced business executives, there are ethical ways that you can source for information to make your new products.

Such ways include but not limited to:

• Private resale rights

Just type that into your browser and you will find multiple sites to choose from. Usually you buy and rewrite them as your own product and add your own angle to the product. Remember this product is sold to many people and not only you, so endeavor to polish it to make it unique. If you are using free products for this, always endeavor to check out the rights, to avoid legal issues in the future.

• Interview experts

Find out experts in your field and interview them. You can then use transcription services at Fiverr, Upwork, etc. to write them out in any form that you want.

• Compile popular questions and give answers

You can do this by yourself even as a newbie in your market niche. You can also use freelancers at: Peopleperhour, 99designs, Craiglist, Toptal, etc.

• Permissible thefts

Go to EzineArticles.com and browse for your popular categories. Download about 50 articles in your chosen niche topic and compile them into an eBook. You can cite them in bits and pieces and spice the book up with some Vimeo or YouTube videos.

This is legal so far as you keep the authors' resource boxes intact. Remember to insert link to your site as you introduce the subject matter, turn it into PDF and sell.

• Record other people seminar and reuse

You can help a friend record his seminar on the agreement that you will use it also to promote your own products. Your phone or your camera can do the job cheap for you, no need for a professional cameraman.

• Set up webinars and teleseminars

You need some experience and confidence to do this, albeit it is not a hard thing. You can skip this till when you have enough money to hire expert to help you in the process. There are free and paid services to choose from.

The free ones are: Google hangout, zoom, bigbluebutton, join.me, meetingburner, mikogo, zohomeeting, webhurdle.

Anymeeting and gotomeeting are paid service, but they also have free trials for new clients.

• Screen capture your skills using your computer

If you want to teach your skills to online audience, this is the preferred approach.

There is a free tool you can use for this: screencast-o-matic

• Adapt a successful eBook into another language

China is a global destination now for global trade. Find a book, obtain the right and adapt it into Chinese and it will sell like hot cake. You can also do this with other books and other languages.

This is called Transcription service.

3.10.0 The Act and the Art of Creating Your Own Product

3.10.1 Write out your product outline

Start with major topics that you would discuss in your eBook, then write out the bullet points under each topic. As you fill in simple explanations in between the major topics will later become the chapters, while the bullet points will become the sections and sub sections of the book.

3.10.2 Write the eBook in Full

After the initial rough or manuscript as some may like to call it, go through the product again with the aim of crossing the tees and dotting the ais. Also read the whole plot with the aim of ensuring Mechanical Accuracy and some Congruence in the points presented.

Some people may differ on this by saying that you should not aim at perfection, there is actually no prefect product in the market as the Internet world is always changing in a very fast rate.

But I am not advocating perfection here, but wish to clarify the fact that there is always a growing competition in the marketplace and most victims are poorly and unduly hurried products.

If you found it more convenient to start with the Audio format, you can also use this software to get both Audio and eBook copies delivered to you online at the same time at:

dragon speech recognition software

3.10.3 Turn it into PDF

From your Microsoft Word (Microsoft Open Office), you can easily convert your eBook into a PDF format. PDF is a globally available software that is usable in all types of computers.

This is advisable to do as you will be sending your eBook to different people in different parts of the world. Different people in different environments are orientated to different software, so it is good to have your eBook in a generally acceptable format that satisfies these global markets.

Senseforth, think and see your business as a global venture.

3.10.4 Make Your eBook Beautiful

It is more than a common sense to note here that if you add an attractive eBook cover to your product, you will attract more sales than if you just sold it as an ordinary PDF.

Period.

If you do not know how to do this yourself, employ the services of experts online at ebookbaby, myecovermaker or even at Fiverr.

3.11 Write the Email Swipes

Email swipes will form part of your marketing materials.

See yourself now as a Vendor in one or more of the Affiliate Program sites like ClickBank or Affiliate network like Commission Junction.

Email swipes are following up emails that you and your affiliates will be using to follow up your prospects. It is known that most people will not buy from you until you have been in touch with them for about seven times. Go ahead and write them now.

3.12 Create and Set up the Sales letter

A Sales Letter is your secret sales machine and the untiring Salesman.

This is going to be the page that you are going to show to your prospects who sign-up in response to your ads. It gives in details the benefits of your product, why he should buy now, how much he should pay into which account.

Ensure that your sales letter is professionally written. A good blend of text and graphics is recommended.

But if you are scared, you can get a virtual assistant at Fiverr to handle this on your behalf.

3.13 Set up Everything and Get Ready For Sales

By now you must have set-up a self-hosted website for this product. There are FREE and reliable software as well as paid once for this depending on your budget.

Just upload everything - the email swipes, sales letter, all the graphics and relevant files onto the website.

Remember to test-run everything by yourself, as well as asking your friends or mentors to also help you test-run, before you begin to advertise your business to the public.

3.14 The Profits are in the Links

I want to end this chapter by highlighting the fact that we are living in the LINK ECONOMY . In other words, the profits of this business flows through the links.

This means check all your links to ensure that they all work fine. Use associate link where appropriate, confirm your right to use free products sourced online to avoid legal issues; and most of all be sure the download link of your own product is working as intended.

That's the deal.

4.0 CONCLUSION

I just notice that I have gone so far, many pages, many sections and sub sections.

This is because when you have your own product that is where the Internet Riches that you have been hearing of, actually comes from.

5.0 SUMMARY

I covered step by step details on how to create your own profitable product for the marketplace. But there are still other details that I have left out for the next chapter.

6.0 ASSIGNMENT

Go over this chapter again and again to get a good respect of the process as I will be dealing with another aspect of this fast-tract riches in the next chapter.

Cycling in the City - The Pros and Cons

With changing global circumstances such as increasing fuel costs, traffic and high fees for parking, there has been a change in how people get around, whether to work or appointments or even to grocery stores. One of the means of transport that has gained support is cycling. In many major cities and surrounding areas the push for cycling lanes and laws to protect bikers has grown in popularity and more and more people have taken to the streets with two wheels instead of four. There are both pros and cons which all cyclists and drivers should consider.

Pros: Cycling is one of the best means of transit. Not only is it better for the environment, healthier for the rider and less costly than driving. Most buses are outfitted with bike racks and other modes of transport such as subways generally allow a few bikes per car for those people commuting from long distances. Cyclists are also seeing cities changing to accommodate their needs. Bike lanes and streets which are bike friendly are beginning to be a part of the city. As much as biking instead of driving is good for the environment it is even better for your health as it is recommended to get 20-30 minutes of exercise per day. One of the largest benefits of cycling is the lower costs associated with it. Commuting to work saves money as you are not stuck in traffic burning fuel and also not paying high rates for parking.

Cons: In West Coast cities and those with milder temperatures, cycling is a year-round activity enjoyed by many, especially the hardy who bike in the winter months. Biking in the city can be a dangerous activity. Inadequate laws can be problematic to cyclists. Currently, other than owning a bike little else is required by law to out cyclists. Most states and provinces do not require helmets, reflective clothing and the knowledge of signals. Cars and other vehicles also do not require knowledge of bike signals either which can be confusing and dangerous for cyclists. Many people who ride bikes are very courteous and respect the rules of the road, especially in a city setting which can be very dangerous at rush hour. There are occasional cyclists who disrespect the rules by taking non-cycling routes which can be deadly as narrow roads, dark conditions and lack of safety equipment can lead to accidents.

Cycling is a great activity. It is healthy, environmentally friendly, cost efficient and a great way to travel. As long as cyclists follow the rules of the road and are properly outfit in safety equipment such as reflective gear, both clothing and on the bike, and a helmet, cycling is a great way to enjoy the outdoors and make a difference in the world.

How to Incorporate Recycled Materials Into Your Garden, Saving You Money

PALLETS

Pallets are probably the best resource I came across. They are free and provide endless possibilities. I used them to build my fence around my garden, as well as the planter boxes, benches, and decorative touches. Remember, you can break them down and use the individual pieces to make almost anything, so do not think you have to keep them in their original form.

When looking through the piles of pallets, keep an eye out for ones that may contain additives or chemicals that they use to treat the wood, these will be clearly marked. Use common sense when choosing them, the color, texture and even smell are all indicators of treated wood. You can ask someone for help if your still unsure, do a little research beforehand, it will make this part much easier. If you're going to disassemble the pallets and use the individual pieces of wood, try to do so without damaging the wood to badly. Pallets are held together with spiral nails which hold very well.

A few tips on dismantling outlets: -use a flat bar and pry the wood up gently to raise the nail head up, then knock the wood back down. The nail should be protruding out of the wood now and should easily pull out. -If you have a sawzall handy, you can simply cut the nails off. Then use a punch or nails set to pop the remaining nail and nail head out.

ROCKS

Another one of my favorites is rocks I find around my yard. These are also free and provide multiple uses like pallets. I stacked mine to make attractive planters that separated the different types of plants I planted. I use them for all of my herbs, this was a great way to easily identify my herbs and organize my garden. I also created a dry creek bed to add some style and appeal. Mortar can be used to create beautiful walls, borders, and pathways. That may require some masonry "know how" but is very simple to do if you do your homework.

BROKEN CONCRETE

I love broken concrete .... Most people see an expensive dump run when they look at chunks of concrete, I see about a million uses. I have used pieces to make stepping stones, faux rocks, a pond, artwork, the list goes on and on. You can find pieces in several places, construction sites, lumber yards, and even Craigslist are just a few examples where I have found mine. People are more than willing to let me haul it away.

You can make steppingstones very easily using pieces of broken concrete. Start by finding a good size piece of concrete, that is fairly flat in shape. Apply a coat of mortar over it to smooth the surface out a bit. Next, take a large paintbrush, or a mason's brush and gently pat the surface to create a textured surface. Cover the rock with a piece of plastic and allow it to cure overnight. When cured, add paint, or stain to create a contrast of colors. Imagine a real rock and it various colors and textures. Last, apply a sealer and allow adequate drying time.

RESOURCES

There are many places you can find free materials for all of your projects. Search around and ask others for ideas. Browse Craigslist, your local building supply stores, warehouses, even a job site, ask the person in charge if you can have the unwanted materials. Post a classified ad stating what you are looking for or where you might be able to find it. Use your imagination and think outside the box