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How to Working of Joint Venture?

It’s extremely difficult for businesses to find customers and generate new leads.

So, its vital to explore some under-used options that can provide access to large lists of new prospective customers. A well thought out joint venture can do just that — for almost zero cost.

Almost any marketer already knows how a joint venture basically works. However, very few people apply it properly to their business. If you do it creatively, you will build a strong list of new leads.

Isnt that the goal?

As soon as you have used your joint venture to generate your warm list of prospective clients, you can market to them every way you know how.

Specifically speaking, my office works in the mortgage industry. For those of us in this industry, the term joint venture immediately conjures images of working with real estat agents.

But, remember, the joint venture must be applied creatively. Although marketing to and with agents can be an excellent source of income, for more details visit to www.joint-ventures-secret.com the creative JV ideas go way beyond that.

My office learned this principle out of necessity. We sell owner builder construction loans nationwide. When you work in the owner builder niche (owner builder loans are simply mortgages for people who want to build without hiring a licensed general contractor), it becomes tougher to joint venture with any one real estate office.

Therefore, we decided to sell our owner builder product through joint ventures with businesses that have nothing to do with real estate or mortgages.

It doesnt matter what industry you work in. The concept will be the same for you. We sell owner builder financing. You might sell leather shoes. The concepts wont change.

The first step is to take a look around your town and see who has customers. At first, just compile a list of any businesses with a potentially large customer list.

Step two will be to narrow that list and apply your niche to it. Our niche is owner builder construction loans — your niche can be anything you like. Just make sure you work within a niche in whatever industry you are in. Ill explain.

Lets say you work in the mortgage industry, and you decide your niche is the Move Up buyer market. Your customers are those people who own their first home and are now looking to upgrade to a larger home to accommodate their needs for a larger family or their desires for a bit more luxury.

Now, you have made a list of as many local businesses as possible. Hopefully, that list includes restaurants, carpet cleaners, pet stores, for more details visit to www.jointwebventures.com and virtually any other retail business you can think of.

Approach the owners of these businesses with your proposition, remembering that you should offer something of value to the business owner, as well as get something of value in return.

My favorite idea is working with smart restaurant owners. They must be smart enough to maintain a mailing list of their customers. And, the really smart ones keep information, such as birthdays and anniversaries — just like you should be doing.

When you narrow your list down to the businesses that you want to approach, you must present your idea to the owner. The concept is pretty simple. You will ask the business owner to include an endorsement of your business (along with a coupon or offer) in his next mailing. And, you will return the favor for him in your next mail piece.

Using the restaurant example, the restaurant owner may send a monthly newsletter to his patrons. In that newsletter is a separately inserted letter from the owner saying how wonderful you are and what a great offer is enclosed. This letter will need to vary depending on how well you know the owner, but in any case, you should write it for him.

Dont be shy. Pump yourself up as a reputable, reliable expert at helping families move into a new, larger home (or whatever your proposition is for your specific niche). For example, in my offices case, we make a point to offer owner builder construction financing that requires no general contractor, no site supervisor, and no down payment. In your case, simply make sure you have a niche product and a unique selling proposition that makes you stand out from your competitors.

The included offer should be something that gets the recipient to respond to you, thereby adding their name to your pool of leads.

On the flip side, when a restaurant gives a free meal gift certificate to someone for their birthday, they can count on the fact that they will bring other, paying, customers with them. In fact, many people celebrate their birthday with a group. In the end, the restaurant makes plenty of money on that free meal, plus they earn the chance to win over a new regular customer.

For this reason, you should be able to get a free certificate to give to your customers on their birthday. At the very least, you should be able to negotiate a very steep discount for a certificate (pay about 35-45 cents on the dollar, which is about the cost of the actual food sold in the restaurant, if it is a fairly nice place — which it should be if you are doing this campaign!!). If the restaurant owner is not willing to give you the certificate or a steep discount, you are likely not dealing with a smart restaurant owner. Remember, you want to find smart business owners with whom to JV.

If you dont have a birthday list (which you need to get), enclose a certificate or coupon with your monthly newsletter.

You should be able to find one or more restaurants in your town that serve good food, have a nice atmosphere, and have an owner who understands the power of this type of joint venture concept.

How To Get Wholesale Coogi Juniors Clothing At Affordable Prices

«Personality in pattern» that’s the tag Coogi garments have acquired for themselves in their nearly four decades of existence. This Australian born collection has carved a name for itself in the high fashion clothing line with the reputation of being the longest running tag in the fashion world. The brand has been recognized by Smithsonian institute for its excellence in fabric design and manufacture and was also one of the few Australian labels to design and stock products in souvenir stores at 2000 Sidney Olympics.

How it started:

It was founded by Jacky Taranto (in 1969) of Melbourne, Australia; the label was originally started as «Cuggi» but was changed to «Coogi» in 1987. It was sold to US investors in 2001 for about $25 million. Coogi’s juniors clothing is designed for today’s fashion savvy juniors. This clothing line is trend-setting and fashionable. Coogi’s clothing features lavish designs, bold colors and vibrant patterns. It is without doubt a cool brand these days. The longevity it has had is pretty amazing. People at Coogi are really working hard at attempting to satisfy all their customers with the brand and bring it to us all on a global scale with great quality.

Apparels and detailing

Originally designed as men’s sweaters, its trademark look is intricately knitted, textural sweater targeted for daywear or casual weekend wear. They are sold under different categories as Coogi men, Coogi women, authentic, kid, C69 and the latest addition Coogi shoes. Coogi junior clothing range provides complete range of dressing for the young. The brand manufactures apparels ranging from products like cargo pants, hoodies, T shirts, denims, Jackets/outerwear, and dresses. They have been widely popular and well received by the consumers.

Buying Options

Coogi has a wide range of Coogi juniors clothing. There are many ways to get these clothes at a cheaper price.

Though Coogi has not been so extensively marketed, it expects to build a stronger luxury retail presence in coming years. The brand will be opening flagship stores internationally for clients to ship direct. It provides as a very promising perspective for potential wholesale buyers in new market zones nationally and internationally.

As a buyer though, you need to be careful if purchasing online. There are various agencies claiming huge discounts on wholesale and bulk purchase. One cannot rule out the possibility of fake products being marketed as a catch. Coogi sells its authentic products through its official website. There is a complete list of products along with contact and location information of various DTLR stores for Baltimore (region A and B), Washington region, Virginia, Atlanta, North Carolina and Chicago regions. For wholesale purchase the official website does not provide information about the same, so the best advice would be to contact either the manufacturers directly or through the DTLR stores.

You can also get the Coogi clothes on an entire sale base at really low prices, if you are interested in investing and in taking dealership from the company and you become an authorized dealer of the Coogi brand. In this case you would land up getting commission on the clothes that you happen to sell apart from getting the clothes for yourself at the lowest prices from the company directly.

There are local whole sellers who sell and supply clothes to other retailers and they would be able to sell you clothes at a lesser cost. This could be a real good deal for you. Apart from selling the clothes at really low costs they would not even insist on a bulk purchase too. Thus, it is one option where in a huge amount of money can be saved by you.

How to Save Money the Best Way

Everyone wants to save money. Basically it is the means of meeting exigencies that are unforeseen. Others try to build up capital for investment and yet others wants to save money for utilizing it for major purposes like buying a house or getting a car. Fact remains that almost everyone aspires to save money and the motivation is even more when such money is hard earned. Lets find out some ideas on how to save money the best way.

Goal setting is the essence of money saving. When it is short term goal, the saving of money is comparatively easier. Fro buying some luxury items or property, one could decide the immediate requirements and save money accordingly. Such people will also save money for paying the premiums and interests without becoming defaulter that could lead them to major financial problems.

A lot of planning and brainstorming would be involved in achievement of long term goals like retirement plans. It would not be easy saving money deciding one’s course of action twenty to thirty years after they retire. At the same time one of the best ways to save money is to kill the debt first hand. Elimination of debts is the fastest way of saving money and accumulating the same over the years.

It is also necessary to set up a time frame. Once such time frame is set up, deciding the quantum of savings to be made periodically can be decided easily. Making sure that the goal is achievable within the time frame is also important.

Figuring out the exact amount of savings to be made daily, weekly, monthly or per paycheck is one of the surest ways of attaining the goal of making good savings. Usually the best way is to save uniform amount over each of the periods. For instance; for buying a car worth around 20,000, that would be repaid over 50 months; a savings of around $400 per month would suffice. 
Saving is good but it does not mean unduly straining the resources or cutting down even on the expenses that are necessary. For the purpose it would be good keeping a record of all the expenses incurred so that they can be trimmed as per requirement. Such savings would be helpful and not distressful or forced.

Inspired by Nokia 8800 Sirocco

The Nokia 8800 is a gorgeous, slim and attractive mobile phone that comes in a beautiful silver stainless steel covered casing. Nokia 8800 Sirocco is the masterpiece of Nokia as it comes with 64 MB of NAND flash memory that allows the users to store all the information they wish. The Nokia 8800 offers a SVGA 0.5 mega pixel camera which is highly useable and allows user to take snaps accurately and with ease. The user can capture video footage and play back the footage in the video player time and again. The images and the videos can be seen in a clear TFT 256K colour screen.

Nokia-8800-Sirocco has a digital music player and a built-in FM radio so that the user can never be lagged behind in the context of entertainment and information. The user can download or use pre-installed ring tones which are inserted in the phone in polyphonic, MIDI, MP3 and ACC formats.Nokia has put all the latest multimedia features in the 8800. Bluetooth technology provides a wireless connection; EDGE technology provides speed and reliability and tri-band provides GSM coverage. With the support of all these technologies, the users really take the world in their hands.

The Nokia 8800 offers commendable messaging services including MMS, SMS, email and instant messaging. The email service supports SMTP, POP3 & IMAP4 email formats that provide the user with a great method of communication from a mobile phone.

It was only after the launch of Nokia 8800, the true potential of the fashion phone was realized. The super sleek metallic body and smooth edges of the deep thumb rest creates a mesmerizing light and shade effect. The Nokia 8800 Sirocco is not about flashy design, the phone is all about plain luxury. The 256K colour TFT display is carefully protected with scratch-resistant sapphire coated glass to sustain the handset’s royal looks. The smooth slider reveals the least fussy and easy to use keypad.

Nokia 8800 Sirocco have a 2.0 megapixel camera (CMOS) with 8x digital zoom in case you want click a few pictures or video record in 3GP format without any limit on time. Nokia 8800 Sirocco supports external memory card other that the in-built memory of 128 Mb. To maintain the 8800 Sirocco’s individuality, Nokia have applied encryption on its content for the very first time. Please Purchase online http://www.phoneandbeyond.com

Learn A Bit More About Fixed And Variable Immediate Annuities

It doesn’t matter if you have a good job, or a very good job, you have to think about the life after retirement. Many people are completely aware of the fact that they should save some money to for a better future. But, many of them never become able to do it on their own. This is the reason why it becomes important to choose a specific financial product. That’s exactly the time when you can think of using the option of immediate fixed annuities.

Today, many people are aware of annuities, but there are few who still don’t know the basic differences between a fixed and a variable annuity. In case you are also one of those people, here is what you should know about the both types of annuities.

In a fixed immediate annuity, the underlying investments will always be fixed. It means there will be no change in the rate of return. A fixed rate of interest will be associated with fixed annuities. This is more like a bond type of investment. This is the biggest difference between the both types of annuities.

On the other hand, you will always find a variable rate of interest with variable annuities. It means your return may change over time. It is due to this particular feature of variable interest that you can take it as a stock type of investment. In this type of investment you might see some fluctuations in your returns and that’s exactly like you see when doing business in stock market.

Due to this basic difference, you can find these annuities offering different types of benefits. For instance, when you opt for variable annuities, you can put money away today to enjoy certain tax related benefits. This is not a possibility with fixed annuities. But, it is also crucial to mention that variable annuities will always be more expensive than fixed annuities and this is due to morality and expense charges.

Now, after going through this information, it is obvious to get confused when making a choice about any one of the annuities. But, if you are confused, you should take some time to determine your exact needs and requirements. This is the best way of making an informed decision. Also, you should take your expected life span into consideration to get to a conclusion. For instance, if you are worried about outliving your assets, you can choose the option of a fixed immediate annuity.

It is so because this type of annuity starts paying right away and provides you with enough money to deal with your daily expenses. In case of variable annuity, the insurance company lets you enjoy your money in future, and don’t offer the luxury of using your money right away. So, if you think you can not wait to get a regular stream of income, you should go with fixed annuities. But, think twice before making any decision.