Biz Marketing 49!

Biz Marketing 49

Issue No.48 Wednesday, March 08, 2006

Published and Distributed FREE Monthly By-


Important Notice:

This edition of the Biz Marketing newsletter has been lost in the cyberspace, the time I published and sent it out to the list. While checking the archives and that is something I do frequently, because I know things are changing from time to time, I couldn't find it. Then I checked my old computer to find a copy I saved there.

This also means that, although you can see the date of each addition, you could read new notices, or some words I added to some places to explain something about (a thing) that time.

How to Read the Wise Biz Newsletter?

We have some sticky columns continued in Biz Marketing 49. If you were an old subscriber, you know where to start reading Biz Marketing 49. Yes, you can skip the sticky columns we have in the Wise Biz Marketing Newsletters to the new topics at the column you want to read.

But, new readers have to read the sticky columns to know more about the WBM newsletters in connection with other platforms we have.

In This Issue of Wise Biz Marketing Newsletter:

  • Special Invitations
  • Top Wednesday Thought: ... Appetite!
  • Intro/ Publisher Main Spot: Connecting the Necessity of Appetite with Everything You Do!
  • Guest Coolest Corner: How to Start Your Own Credit and Debt Counseling Service?
  • The Web Market Place: Where to go shopping (From needles to rockets;-) save money or make money!
  • Resources: Search engines and other HITS Quarters
  • Archives: Our Publications!

Biz Marketing 49th Special invitations:


As always, we have some invitations designed for the new subscribers and other regular readers to enjoy reading and having some benefits from Biz Marketing 49 and the other editions of the business newsletter and the political newsletter.

Have a good frame of mind?

We know that you have many things that interest you, whether in business, love, or politics. To choose the one that responses to your interest in this, or that, just move forward through the columns of Biz Marketing 49 to see what interest you.

You could pick it with all the help included in the free downloads we offer, just from our newsletters to make taking care of your interests easier.

* Want to read the Biz Marketing 49 and the other editions every month on your own Desktop?

Click on the first orange button at the top of the navigation bar at the left. If you have IE7 installed in your system (this was the old browser, so I recently checked here to add this notice) or Safari, or any latest versions of the internet browsers, you will get the RSS feeds direct to your favorite browser.

If you were using RSS newsreader, right click on the orange button, copy the address and add it to the newsreaders and go to bring the RSS blogging ezine updates to your Desktop newsreader.

If you have an account in Yahoo, Bing, or any of the services you see on the small buttons on Biz Marketing 49, just click on the button you want and follow the instructions at your services to bring the updates to your account.

* Interested in politics?

Subscribe to the HOA PoliticalScene Newsletter and forward it to your friends. When you confirm your subscription and when you forward the political newsletter, you will receive some good ebooks to read and then get that appetite to do the things that interest you right.

¤ Are you a journalist, or had you ever been?

Then join the Journalists Internet Café at HOA's Journalists. It's more than a Journalists' Internet Café. You can be a reporter from the area.

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

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

Head over to the political site linked above. Go through the HOAs Cultural Project, or the HOAs Poets Project, read and trade your cultural, or literary opinions and have fun. You would also receive many gifts, when you do any activity there.

Biz Marketing 49th Top Wednesday Thought: ... Appetite!


"You Can Buy an Apple by Money, But Not Appetite to Enjoy It."

Khalid Osman


Did you know the professional bio and career of Khalid Osman, or any intellectual by this name?

Write what you know on the comments form below and add your comment to the Comment C2 Entries.

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

* Thank you "Presents" for being (Biz Marketing 49) Ezine reader:

** Could we send you some invaluable FREE ebooks to learn how to improve your life online or offline?

If you were not a subscriber yet, use the form at the top left column of Biz Marketing 49 to subscribe to Biz Marketing newsletter. If you were, Forward Wise Biz to your friends and you will receive your gift of love from the second page.

Get to know everything about FaceBook and some other social media combined, plus the best ways to use them. I personally don't care of FaceBook, but if you care get to SIP Blog.

Then to see first-hand the quality of these PDF products and download FREE ebooks you need to succeed in any home based business, sign up to be affiliate with this trusted source.

Biz Marketing 49 is all about the best ways to improve your life, whether you do that offline, or online. It certainly helps to improve your life offline and online together.

It also suggests that having an appetite for anything is a necessity. One of the columns is about that. Another columns teaches you how to operate a credit and debt counseling service.

Biz Marketing 49th Intro / Publisher Main Spot:


Connecting the Necessity of Appetite with Everything You Do!

If you did anything without having the appetite for it, you will fail dramatically. So, everything has an appetite, or intense desire. In fact, there is not big gab between appetite and desire. You wouldn't have an appetite for things without a desire.

The logic in this statement is well fast and the fastness it has makes things done easier and in a successful way. Even if you have an appetite to eat that apple, you should first buy it and then know how to eat it perfectly.

Well, not everybody knows how to eat an apple, or just any food the best way s/he can. This is not an argument. Eating has its own culture and method. Everybody knows of course how to eat and s/he actually does that many times a day (without any contradiction with the statement).

But, there is a way to eat without getting all your hand dirty. There is a way to eat with the tips of your fingers and there is a way to eat with a knife, fork and spoon.

There is also a way to eat fruits, or to slick ice-cream. There is a way to drink cafe. There is a way to eat with your mouth closed. There a way to eat using your teeth good before swallowing your food.

Haven't I explained the methods, yet?

So, the appetite of doing anything starts with a necessity of having a desire and methods to fulfill that desire.

In businesses, or careers, or hobbies, or any education, your appetite for a certain way to achieve knowledge is connected to methods. The well done methods make your appetite and desire extremely high.

Discuss it, if you want using the form on Biz Marketing 49 below. I appreciate discussing such terms.

Now, after connecting the lines between the columns of Biz Marketing 49, we have an article in the "Guest Coolest Corner" combined with business financial articles to help you operate a credit and debt counseling service and make money from this business.

If you found this column in Biz Marketing 49 interesting, use the form below to comment.


Biz Marketing 49 Publisher and Senior Editor

Khalid Osman

Biz Marketing 49th Guest Coolest Corner:


How to Start Your Own Credit and Debt Counseling Service?

This is one of the most business ideas that could meet all the aspirations of the American Dream.

Yes, it is only for Americans. But, you can take the basic ideas throughout this article Biz Marketing 49, I have acquired from one source about more than 10 years ago to adjust to credit and debts business in your area.

You can start small with little or no investment, develop it in your spare time, and parlay it into a $100,000 a year income, all within the next twelve months or so.

Really, all it takes to move on this one is an empathy for people, a basic understanding of money management, about 500 business cards, some smart advertising, and you're in business. Your greatest expense or investment, of course, will be for advertising.

The first, and most important thing to learn is the "thought processes" in the minds of the people or firms that lend money. No one lends money with the thoughts of foreclosing on the loan and taking away a borrower's collateral.

Whenever the lender is forced into such a situation, everybody loses. The borrower loses his possessions, and the lender ends up with about one tenth of the money he originally loaned out.

Therefore, the lending institution will generally do everything possible to work with the borrower as long as he continues to show good faith in attempting to repay the full amount of the loan. The most important thing a borrower should do, once he finds himself in a financial bind, is get in touch with his creditors and apprise them of his situation.

Usually, the lender will set up a meeting for an open discussion between himself and the borrower, in order to adjust or work out a more convenient repayment schedule.

Most people who borrow money are having money management problems to begin with, and are actually terrified to death at the thought of people from the loan company calling them. Although they generally won't admit it, most are aware that they are having problems managing their money.

They are embarrassed about it, and instead of openly seeking help, they attempt to cover up the problem, and then hide from or avoid the very people who want to help them.

Over the past three years, personal and small business bankruptcies have been soaring to record levels. At the bottom line, very few people want to file bankruptcy against their creditors, because regardless how easy it is, the thought of having "gone bankrupt" still leaves a stigma.

And this is where you step in with your Professional Credit and Debt Counseling Service. You should never have any trouble finding clients.

Remember, step one is always to notify the client's creditors. This is the first instruction (or job) that you give to the client after you've heard his story.

The borrower should be the one to notify the creditors, and ideally, he should call each on the phone, set up a meeting and then discuss with the lender his current financial situation as well as his plans to rectify the problems, and resume payments. The plan he'll discuss with the lender will be the plan you assist him in setting up.

If the borrower is in over his head and with no other alternative, you should immediately advise him to file for relief under "The Wage Earner's Plan" as explained in Chapter 13 of the Federal Bankruptcy Act. In essence, this "plan" gives the debtor time to regroup and reorganize his financial situation without being hounded by bill collectors.

Anyone who's capable of earning wages, salaries or commissions, can make use of this plan. It should in no way be thought of as bankruptcy. This is simply a court supervised method for a borrower to pay off his debts.

The borrower simply draws up a plan to pay off his debts over a three-year period. If the court accepts the plan, the lenders are almost obligated to accept it. While more recent bankruptcy laws still leave room for abuse by dishonest "big business" they fortunately have improved the outlook for the "little guy".

Your job as a Credit and Debt Counselor is to meet with the overextended borrower, listen to his problems, and help him to plan a budget to live by, and set up a plan for the proper management of his income that will include money for him to live on, plus regular payments to his creditors.

In the beginning, you can meet in the borrower's home, pretty much the same way an insurance agent does. Later on, you'll probably want your own office, but a formal office for your business will never be absolutely necessary.

Many people are reluctant to be seen walking into a Credit Counselor's office. Again, there's a personal embarrassment - the thought of their friends seeing them, and the worry of what other people will think of them. So if you do opt for an office, make it as unobtrusive and as confidential as possible.

A sign stating "Money Management Consultant" would be appropriate. Gaining the confidence and trust of your clients will be the secret of your success. And do not underestimate the power of "word-of-mouth" recommendations by grateful clients.

Follow the methods of the insurance salesman, making everything as comfortable as possible for your clients. So long as you listen to your client's problems, and then work with him to plan a budget he can live with while paying off his bills, you won't be required to have a license in most states.

You simply listen, assist the borrower in planning a budget, and he administers it himself. He makes all the contacts  with his creditors, and makes all the payments directly to them. To give you the money and have you disburse it among his creditors would require a license for your business.

Step two in your service is to find out the total amount of cash your client has coming in each month, and on what dates. Calculate according to his current obligations, how much he needs for living expenses: Rent or mortgage payment, utilities, food and clothing. The remainder of his available income is then budgeted for division among his creditors.

One of the best (and easiest) methods of money management within a budget is via envelopes. The wage earner marks a different envelope for each of his obligations. He then makes predetermined amount of deposit in each of these envelopes each payday.

Thus, if his mortgage was $500 per month, and he brought home $750 each pay day, you'd probably advise that he "deposit" $250 each payday into the mortgage envelope. And so it would be with each payment envelope.

Many people find this kind of system scary in the beginning, but after they've used it for a month, they swear by it as the only way to keep bills up to date.

Of course, the most important thing you want to advise your clients to do is destroy all their credit cards. Best of all, have them cut them in half, and send them back with a short note explaining what they are doing and why - getting a handle on their debts according to their actual income. Basically, that's all there is to your counseling service.

You'll need a first meeting to hear the problems, and to make your proposals. A second meeting will be in order to polish and endorse the planning. Perhaps a third meeting at the end of the first month to assist them in making their payments from their obligation envelopes.

Finally, you'll want to keep in touch with them and ask how they are doing from time to time. You'll find that most of the people you serve today will need your services again at some time within the next five years - sad, but statistically true.

It's a "fast-track" and ever-changing world. People who are poor money manager today invariable encounter money problems again and again, regardless of how often they get everything paid off.

This is, unfortunately, what keeps the lending institutions in business, and presents the opportunity for you to become wealthy as a Professional Credit and Debt Counselor.

You'll need a receipt book. Drop by any large stationery store and get the most impressive one available. You should charge $100, more or less, for your services. Three counseling sessions, with the payments at $10 per month spread over ten months is an ideal arrangement.

Explain your fee during your first contact - $100 in payments of $10 per month per ten months. You'll find the sound of a $100 fee affords an intangible degree of respect for your services, while the explanation of modest $10 monthly payments closes the sale for you.

Always carry an attaché case, and at each meeting, work at the kitchen or dining room table. If it's a husband and wife, be sure that each is seated beside you.

If it's just one person, have him or her to your right if you're right-handed; to your left if you're left-handed. Never have a client opposite you, across the table.

Round tables are best for empathy, agreement and cooperation; this has been proven psychologically just believe it, and be guided accordingly.

Always carry a yellow legal pad, and have plenty of pencils with erasers available. The legal pad lends authority to your knowledge, while leaving plenty of room for alternatives.

The pencils and erasers eliminate the symbolic fear of every thing being "cast in stone," and conveys the feeling of negotiation.

You should be well-dressed, a portrayal of the traditional "financial officer," and yet in warm colors to accentuate your empathy with the problems of your clients. By all means, you should be sparkling clean and well-groomed.

Do not smoke during a meeting with a client, and always diplomatically refuse any alcoholic drinks that may be offered. Try to "talk" with your clients.

You must never show any signs of disapproval of the actions that resulted in your clients being in their present predicament, nor should you sound as if you're lecturing or speaking to children. Remember - and you can tell your client - this has happened to many stable, conscientious people.

Maintain an attitude of understanding and a sincere desire to help them out of their current "tight spot." Don't let them get going on a deprecatory tangent, either.

Should they start down that path, simply tell them, "These things happen to everyone, and what's done is done; the important thing now is working out the solution to the problem."

As mentioned earlier, your only real investment to set yourself up in this business will be for advertising. Even that does not have to be a "saved up" cash outlay.

You can start off by planning to run a two-column wide by three-inch deep advertisement in your most read area newspaper. Check with the newspaper office to get the best price on a bulk space contract.

Under this kind of agreement, you sign to pay for a certain minimum number of column inches for the next year, and as a result, your rates are considerably lower than those paid by the infrequent advertiser.  

Best of all, the newspaper will bill you after the ad has run, and allow you 30 days from the date of your billing to pay.

You should plan to run an ad in the newspaper for at least three days a week, especially in the Sunday editions, every week. You might also want to run the same ad in several of your weekly Shoppers Newspapers. 

Definitely have a flyer made up describing your services. About once a month, hire 7th or 8th grade school children to hand these out for you in the busy shopping centers. Another good place to hand them out is at the entrances to your state's employment service offices.

Small 3 by 5 announcement cards or descriptive business cards on all the bulletin boards in the area will also pull in business. Finally and most importantly just as soon as you can afford it, an advertisement and listing in the yellow pages of your telephone directory should be bought.

Telephone directories come out on a regular (usually annual) schedule, so check ahead, and anticipate cost and date you may expect results.

Continue at Credit and Debt Counseling Service and see the Business Financing articles below for more insights:

Advance Paycheck| Auto Loans| Cash Advance| Debt Consolidation| Payday Loans|

Did you find the article in the "Guest Coolest Corner" of Biz Marketing 49 useful?

If you found this article in Biz Marketing 49 useful, use the comment form to comment.

Biz Marketing 49th Web Market Place:


You may find many necessary things and accommodations you need on the Web market place and other columns on Biz Marketing 49.

If you missed anything you want on this area, see the right column where you locate a search box. Use that search box to find the thing you want.

Just enter keywords, such as cheap iPhone, best smartphone, free internet service provider, iPad, tablet, exotic meat, chinese food, 7eleven, cheap international calls, cheap flat screen tv, women men shirts mode, shoes mode, natural skin care, juice presser, etc...

You should add your area after the item you search for. Example, rental flats, apartments, Manhattan, or how to buy apartment in Manhattan.

Web Services Market Place:

At Biz Marketing 49, we regard the following as the best Web services in the world to build successful narrow niches and even large scale businesses. The Case Studies provide in depth information about how many professional people have use the business tools to change their life.

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SBI! Case Studies

Biz Marketing 49th Resources:


Search Engines and Other HITS Quarters:

By origin population search, Baidu search engine comes first, followed by Yandex Search Engine. Internationally, Bing and Google dominate followed by Yahoo and DuckDuckGo. Most of the population in China and Russia use Yandex and Baido search engines.

However, when it comes to websites traffic, online businessmen are actually giving priorities to Google, Bing and Yahoo. So, when your free website traffic fluctuates, or drops you are in trouble.

The best ways to feature your business might have been wrong. The ways you use to improve your website presence may be wrong. Your links building strategies may also be wrong. You need to think again about the reasons that you see your free traffic fluctuates, or drops.

The best ways is to get back to check if you have identified your theme to work it right! If not, get back to study your theme, research it well, choose it right and then CTPM it.

When you get through the CTPM process you need, to make your home business successful, you will learn how to improve your website presence.

You will learn at the same time how to use many techniques to get search engines top placement and do the search engines marketing better.

The insights in the CTPM Process include, but not limited to, building content in pyramid shape that consists of tiers, block by block. The necessity of this block building is that it makes the content readable and serialized.

Most importantly, it makes the content flow with your theme seeds of keywords to hit the search engine G-Spot (Gräfenberg Spot). You will feel sexy and you will absolutely make your business climx with you. No, your business is a female.

But, to stimulate that G-Spot of your business, the CTPM Process help you discover the search engines secrets and know that they are not secrets anymore only through the CTPM Process that makes great success stories like these ones. Those successful people you will read about know how to convert traffic into sales too.

They know there is no guarantee, as some SEOs call for guaranteed 1,000,000 hits to your website. They only know the proven methods they use to build original content that the search engines love and the readers love in turn to stick with it and come always to read on their website, because they provide top notch content.

Advertising, Traffic and Other Articles:

Bulletin BoardsClassified AdsFreebie Ad MagazinesFree Online Business Advertisement| Free Press Releases| Free Publicity| Free Radio AdvertisingHow To Improve Keyword Density Using Your Affiliates?| Link Exchange| Optimization| Optimizing a Website| Search by Name| Search Tutorial| Value ExchangeWrite Compelling Advertisement|

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SBI! Traffic Test

Biz Marketing 49 - Archives:


Our publications

In addition to Biz Marketing 49, the publications include the business newsletter at this website, the political newsletter at a second website and the 100 Beautiful Scene Newsletter at my daughter's website.

Biz Marketing Newsletter Archives:

Biz Marketing 36| Biz Marketing 37| Biz Marketing 38| Biz Marketing 39| Biz Marketing 40| Biz Marketing 41| Biz Marketing 42| Biz Marketing 43| Biz Marketing 44| Biz Marketing 45| Biz Marketing 46| Biz Marketing 47| Biz Marketing 48| Biz Marketing 49|

The Ezine Act's Archives:

As you knew the Ezine Act was the sister ezine of the Wise Biz Marketing Newsletter. I changed it after a couple of years and renamed it the HOA PoliticalScene Newsletter to be the voice of the second website at the HOA's Political Scene Blog.

However, some editions of the Ezine Act newsletter are still here.

Ezine Act 50| Ezine Act 51| Ezine Act 52| Ezine Act 53| Ezine Act 54| Ezine Act 55| Ezine Act 56| Ezine Act 57| Ezine Act 58| Ezine Act 59|

We are here now at the end of Biz Marketing 49. I hope that you have enjoyed it.

Yours in Peace,,, Love and Global Prosperity


Khalid Osman

Biz Marketing 49 publisher and senior editor


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