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    Money Management For Couples
    Foremost among the reasons that lead to marital discord are financial issues. Most couples are unable to or find it extremely difficult to broach the topic openly and honestly. Although the reasons may be different for each couple, being disorganized and unable to communicate are common.In order to avoid serious consequences it is necessary to for couples to implement the art of budgeting and money management. Couples should avoid conflict over purchases made by each other and learn to respect each other’s opinions.The initial step is to sit down and discuss the income and expenditure. If there is a lack of communication, which is the case most of the time, this discussion could end in a heated argument. It is important to decide on a strategy before hand, to prevent an ugly situation. For example, get up and drink a glass of water, take a few deep breaths and go for a short walk and then resume the dialogue or invite a friend to be a part of the discussion.Make a list of all the bills that are pending and the amounts, highlighting the dates on which they need to be paid. Compare this with the joint income and in case of inadequate funds, try to find ways to reduce expenditure or increase i
    be writing for specialist publications (the last two being my preferred methods, hence this article!).  Just put yourself in their shoes for a moment.

    But whichever method you choose, make sure you enjoy it.  Say what?  Yes, you have my permission to only choose marketing methods that you actually enjoy.  Why?  Because if you don't enjoy them, you won't do them - even if your business is falling down around your ears.

    Do you remember Fiona, my Reiki Master and therapist client?  She found that she was massaging a client or two in the morning, then nothing at all till the evening, when her working clients turned up.  She wanted to build up her lunchtime and afternoon clientele and then limit her evenings to two per week.  Who would be able to come at those times?  The ladies who lunch and the self-employed.  Where do the ladies hang out?  At charity events and hairdressers and in nice restaurants.  What are their challenges?  To look after themselves to the n'th degree, be well groomed, relaxed and charming at all times.  She joined her local ladies groups, talked to her hairdresser and beauty therapist about a joint marketing initiative, volunteered for the local large charity committee and attended a few lunches herself, and then, to reach the self-employed business person, joined the BNI (Business Networking International - for details see www.bni.co

    Your Prey for 2006
    As 2005 comes to an end, investors celebrate the coming new year and bring new expectation with it. As investors, we try to sell our losing investment before the year ends and sell our winning investments after the new year. This is to receive the benefit of early tax deduction and deferring our tax liability. Either way, after selling your investment, you have some spare cash to invest. Therefore, you would need some idea on where to invest your money.Scouring the 52 week low is normally a good place to start. Tax loss selling has made many stocks to make the list. This is great for us, small investor. Barring any fundamental news, cheap stocks that get cheaper will be a good investment candidate. Turnaround investors look for stocks that are touching 52 week low and starts researching them. Many of them bounces, providing investors with outstanding return. Examples for this year include: ATI Technologies Inc. (ATYT, up 39% from the low), Seagate Technology (STX, up 29% from the low), Omnivision Technologies (OVTI, up 68.8% from the low) and even Maxtor Corp. (MXO, up 45% from the low before being acquired). Maxtor is now trading 120% above its 52 week low.While stocks touching new 52 week low, d
    "Ooooooh," you may say, "I could NEVER be good at marketing, I'm just not that sort of person.  I'm just not pushy enough". 

    Well, if that is your reaction to the title of this article, I would like to kick off by giving you permission to hate marketing (and its cousin, "sales").  I am not going to try to turn you into a marketeer or a salesperson - but will you open your mind (just a chink!) to the possibility that you CAN stay just as you are and STILL be more successful at what you do?

    Marketing and sales are inextricably linked in most people's mind and everyone knows sales people are scuzz-bags - right?  The very words "marketing" and "sales" conjures up images of people being brainwashed by ads and parted from their money, in exchange for something they don't want.  By people in dodgy suits!

    Well, the first concept to get your head around, is that people are generally very sophisticated and astute.  You cannot generally sell people something they don't want, no matter how heavy handed your tactics.  And generally, even by very clever marketing, you cannot persuade or brainwash people into wanting something, that they hadn't wanted before.  You couldn't massage someone who didn't want it, could you?

    How would it be if we started thinking of marketing as the art of letting people know about an idea, solution, product or service that they already want, but didn't know where to go or which one to choose.  How would it be if we made our service so good, so excellent, that if WE were introduced to it, we would be DELIGHTED to be told about that service.  How about thinking of marketing as simply making sure that our excellent service is not being kept a secret?

    What about the sales part of the process?  The dreaded "closing" that everyone seems to find so hard.  What is a "close", anyway?  It's actually just asking someone if - having been recommended, having voiced their needs, knowing your fees, reassured that you can help - you ask them if they would like to book an appointment.  Offering an appointment on a Tuesday or a Thursday is an "alternative close".  Technical stuff, eh?

    So marketing is about not being a secret, and selling is about making an appointment.  Easy - we can do that!  But what if we could make it even easier?  Have I got your interest?

    How do we go about not being a secret?  The traditional ways to market anything are by creating a brochure, business cards and letterhead, advertising, mailing out to prospective purchasers (or clients) and selling your services to them.  An expensive and time consuming business.  Does your heart sink when you read this?  Well, I have some good news.  None of that works - or only 2% of the time anyway!  So what does work?

    What you need to do is simply create a reservoir of people who know about you, who like what you do, and who ONE DAY might use your services.  Oh boy! When my coach Chris Barrow, told me this, I breathed a big wonderful sigh of relief. 

    How big should your reservoir be?  Chris Barrow's theory is that it should be in excess of 1000 to generate an almost effortless work flow, but that you start to attract clients at about 400-500 people. 

    How do you fill your reservoir and with whom?  This is where you start to think about your ideal client - because who wants a reservoir of less than ideal clients?  The first people on your list should be your existing clients - or at least those you want to keep.  You see, this is one of the big secrets about marketing, it's as much about weeding out the clients you don't want, as attracting the clients you do want!  Think about the qualities of your ideal client, what are they like (TIP: think about your existing clients and pick out the A-List).  I'll share the qualities of my ideal client to give you an idea.

    My ideal coaching client is bright, articulate, educated (by life, if not uni) fast on the uptake, action orientated, entrepreneurial (or would like to be), definitely has email, is successful by anyone else's standards but perhaps not achieving their potential yet. They may feel overwhelmed and take on too much.  They probably talk too fast and walk as if they are in a hurry.  They are serious about wanting to improve their business or their life and they are prepared to set aside some time to come to calls and to take some action.  They don't cancel or re-arrange calls, they pay on time and they appreciate my coaching.  They are not ashamed to say they have a coach and they recommend me to everyone they meet!

    Grade your existing clients into A clients (love you, come regularly, pay happily, turn up, recommend you all the time), B clients (love you, come fairly regularly, pay happily, turn up, sometimes recommend you), C Clients (think you are ok, come occasionally, pay happily, turn up, never recommend you) and the D Clients (aka the BMW's - bitchers, moaners and whiners).  What do we do right now with the D Clients?  D is for Dump.  Dumping the D's makes more time to give the A's and the B's more time, more service, more attention.

    So how do we meet more A Clients and get them in our reservoir?  Work out who the A's are and where they hang out.  Are they business people?  Mums At Home or Ladies Who Lunch?  Sports players?

    When you have established who they are, then think about the problems they have and the things they are interested in.   Think about ways you could add value to those A List Clients.  It might be sending out clippings from newspapers on articles of interest, it might be creating a simple A4 two sided newsletter, it might be a website with useful links and an email newsletter, it might be writing for specialist publications (the last two being my preferred methods, hence this article!).  Just put yourself in their shoes for a moment.

    But whichever method you choose, make sure you enjoy it.  Say what?  Yes, you have my permission to only choose marketing methods that you actually enjoy.  Why?  Because if you don't enjoy them, you won't do them - even if your business is falling down around your ears.

    Do you remember Fiona, my Reiki Master and therapist client?  She found that she was massaging a client or two in the morning, then nothing at all till the evening, when her working clients turned up.  She wanted to build up her lunchtime and afternoon clientele and then limit her evenings to two per week.  Who would be able to come at those times?  The ladies who lunch and the self-employed.  Where do the ladies hang out?  At charity events and hairdressers and in nice restaurants.  What are their challenges?  To look after themselves to the n'th degree, be well groomed, relaxed and charming at all times.  She joined her local ladies groups, talked to her hairdresser and beauty therapist about a joint marketing initiative, volunteered for the local large charity committee and attended a few lunches herself, and then, to reach the self-employed business person, joined the BNI (Business Networking International - for details see www.bni.com

    How To Make Your Dream Career Come True
    Today, companies and corporations seeking bright, young minds recruit many college students right out of school. The allure and prestige of a company combined with the fear of facing the "real world" can make college students jump at a chance to accept an opening.The problem that many students discover is that, after working for a year or two in the job they accepted out of college, the career or employment really isn't what they had in mind for a dream job.College is about building those dreams and finding areas of interest but landing your dream job involves trial and error and possibly a few career changes along the way.If you currently work in a job that is far from any dreams you harbor, there is a way out to explore other options. Gone are the days of working for a lifetime at one specific job.Today, most people will experience several career changes before finding the job that fits them like a glove.If you are in a job that you feel doesn't challenge you, give yourself some time at the company before making any major changes. Short periods of work history on a resume can be detrimental to career advancements. Staying on a while also allows you to see if the company you
    o go or which one to choose.  How would it be if we made our service so good, so excellent, that if WE were introduced to it, we would be DELIGHTED to be told about that service.  How about thinking of marketing as simply making sure that our excellent service is not being kept a secret?

    What about the sales part of the process?  The dreaded "closing" that everyone seems to find so hard.  What is a "close", anyway?  It's actually just asking someone if - having been recommended, having voiced their needs, knowing your fees, reassured that you can help - you ask them if they would like to book an appointment.  Offering an appointment on a Tuesday or a Thursday is an "alternative close".  Technical stuff, eh?

    So marketing is about not being a secret, and selling is about making an appointment.  Easy - we can do that!  But what if we could make it even easier?  Have I got your interest?

    How do we go about not being a secret?  The traditional ways to market anything are by creating a brochure, business cards and letterhead, advertising, mailing out to prospective purchasers (or clients) and selling your services to them.  An expensive and time consuming business.  Does your heart sink when you read this?  Well, I have some good news.  None of that works - or only 2% of the time anyway!  So what does work?

    What you need to do is simply create a reservoir of people who know about you, who like what you do, and who ONE DAY might use your services.  Oh boy! When my coach Chris Barrow, told me this, I breathed a big wonderful sigh of relief. 

    How big should your reservoir be?  Chris Barrow's theory is that it should be in excess of 1000 to generate an almost effortless work flow, but that you start to attract clients at about 400-500 people. 

    How do you fill your reservoir and with whom?  This is where you start to think about your ideal client - because who wants a reservoir of less than ideal clients?  The first people on your list should be your existing clients - or at least those you want to keep.  You see, this is one of the big secrets about marketing, it's as much about weeding out the clients you don't want, as attracting the clients you do want!  Think about the qualities of your ideal client, what are they like (TIP: think about your existing clients and pick out the A-List).  I'll share the qualities of my ideal client to give you an idea.

    My ideal coaching client is bright, articulate, educated (by life, if not uni) fast on the uptake, action orientated, entrepreneurial (or would like to be), definitely has email, is successful by anyone else's standards but perhaps not achieving their potential yet. They may feel overwhelmed and take on too much.  They probably talk too fast and walk as if they are in a hurry.  They are serious about wanting to improve their business or their life and they are prepared to set aside some time to come to calls and to take some action.  They don't cancel or re-arrange calls, they pay on time and they appreciate my coaching.  They are not ashamed to say they have a coach and they recommend me to everyone they meet!

    Grade your existing clients into A clients (love you, come regularly, pay happily, turn up, recommend you all the time), B clients (love you, come fairly regularly, pay happily, turn up, sometimes recommend you), C Clients (think you are ok, come occasionally, pay happily, turn up, never recommend you) and the D Clients (aka the BMW's - bitchers, moaners and whiners).  What do we do right now with the D Clients?  D is for Dump.  Dumping the D's makes more time to give the A's and the B's more time, more service, more attention.

    So how do we meet more A Clients and get them in our reservoir?  Work out who the A's are and where they hang out.  Are they business people?  Mums At Home or Ladies Who Lunch?  Sports players?

    When you have established who they are, then think about the problems they have and the things they are interested in.   Think about ways you could add value to those A List Clients.  It might be sending out clippings from newspapers on articles of interest, it might be creating a simple A4 two sided newsletter, it might be a website with useful links and an email newsletter, it might be writing for specialist publications (the last two being my preferred methods, hence this article!).  Just put yourself in their shoes for a moment.

    But whichever method you choose, make sure you enjoy it.  Say what?  Yes, you have my permission to only choose marketing methods that you actually enjoy.  Why?  Because if you don't enjoy them, you won't do them - even if your business is falling down around your ears.

    Do you remember Fiona, my Reiki Master and therapist client?  She found that she was massaging a client or two in the morning, then nothing at all till the evening, when her working clients turned up.  She wanted to build up her lunchtime and afternoon clientele and then limit her evenings to two per week.  Who would be able to come at those times?  The ladies who lunch and the self-employed.  Where do the ladies hang out?  At charity events and hairdressers and in nice restaurants.  What are their challenges?  To look after themselves to the n'th degree, be well groomed, relaxed and charming at all times.  She joined her local ladies groups, talked to her hairdresser and beauty therapist about a joint marketing initiative, volunteered for the local large charity committee and attended a few lunches herself, and then, to reach the self-employed business person, joined the BNI (Business Networking International - for details see www.bni.co

    Web Site Promotion – Six Ways To Advertise Your Web site III
    Fifth, you can advertise offline in your local area. This is particularly useful if your product is not national or international, such as an auto servicing business or personal services of some form or another. If you offer golf training, for example, you can sell ebooks world wide, but also advertise your services in your local golf shop or golf club. Many fitness clubs and leisure centers allow advertising posters and local stores also frequently allow ads. The local press is also good for advertising in the classified sections.Finally, sixth. Blogging and RSS feeds.. Get a blog on your site and ping it to Technorati and all the social bookmarking sites you can. Provide an RSS feed on your site, and also ping that to Technorati. Blogs and RSS feeds, and tagging and pinging provide very valuable advertising to people who are focused on your niche or theme. If you update your site regularly your site will get a lot of exposure on the internet.These are my choices for the top six ways of advertising your site, and you should use as many of these as you can and take advantage of all the web site promotion techniques that are available to you in order to maximize the traffic to your site, and
    ho like what you do, and who ONE DAY might use your services.  Oh boy! When my coach Chris Barrow, told me this, I breathed a big wonderful sigh of relief. 

    How big should your reservoir be?  Chris Barrow's theory is that it should be in excess of 1000 to generate an almost effortless work flow, but that you start to attract clients at about 400-500 people. 

    How do you fill your reservoir and with whom?  This is where you start to think about your ideal client - because who wants a reservoir of less than ideal clients?  The first people on your list should be your existing clients - or at least those you want to keep.  You see, this is one of the big secrets about marketing, it's as much about weeding out the clients you don't want, as attracting the clients you do want!  Think about the qualities of your ideal client, what are they like (TIP: think about your existing clients and pick out the A-List).  I'll share the qualities of my ideal client to give you an idea.

    My ideal coaching client is bright, articulate, educated (by life, if not uni) fast on the uptake, action orientated, entrepreneurial (or would like to be), definitely has email, is successful by anyone else's standards but perhaps not achieving their potential yet. They may feel overwhelmed and take on too much.  They probably talk too fast and walk as if they are in a hurry.  They are serious about wanting to improve their business or their life and they are prepared to set aside some time to come to calls and to take some action.  They don't cancel or re-arrange calls, they pay on time and they appreciate my coaching.  They are not ashamed to say they have a coach and they recommend me to everyone they meet!

    Grade your existing clients into A clients (love you, come regularly, pay happily, turn up, recommend you all the time), B clients (love you, come fairly regularly, pay happily, turn up, sometimes recommend you), C Clients (think you are ok, come occasionally, pay happily, turn up, never recommend you) and the D Clients (aka the BMW's - bitchers, moaners and whiners).  What do we do right now with the D Clients?  D is for Dump.  Dumping the D's makes more time to give the A's and the B's more time, more service, more attention.

    So how do we meet more A Clients and get them in our reservoir?  Work out who the A's are and where they hang out.  Are they business people?  Mums At Home or Ladies Who Lunch?  Sports players?

    When you have established who they are, then think about the problems they have and the things they are interested in.   Think about ways you could add value to those A List Clients.  It might be sending out clippings from newspapers on articles of interest, it might be creating a simple A4 two sided newsletter, it might be a website with useful links and an email newsletter, it might be writing for specialist publications (the last two being my preferred methods, hence this article!).  Just put yourself in their shoes for a moment.

    But whichever method you choose, make sure you enjoy it.  Say what?  Yes, you have my permission to only choose marketing methods that you actually enjoy.  Why?  Because if you don't enjoy them, you won't do them - even if your business is falling down around your ears.

    Do you remember Fiona, my Reiki Master and therapist client?  She found that she was massaging a client or two in the morning, then nothing at all till the evening, when her working clients turned up.  She wanted to build up her lunchtime and afternoon clientele and then limit her evenings to two per week.  Who would be able to come at those times?  The ladies who lunch and the self-employed.  Where do the ladies hang out?  At charity events and hairdressers and in nice restaurants.  What are their challenges?  To look after themselves to the n'th degree, be well groomed, relaxed and charming at all times.  She joined her local ladies groups, talked to her hairdresser and beauty therapist about a joint marketing initiative, volunteered for the local large charity committee and attended a few lunches herself, and then, to reach the self-employed business person, joined the BNI (Business Networking International - for details see www.bni.co

    What is the Best Affiliate Program?
    Many Internet Webmasters are using affiliate programs to earn money online. Gone are the good days when Amazon.com was a very profitable affiliate program that almost every website was promoting. Today's payouts for Amazon are very low and it only work for high traffic websites through volume promotion. But there are many affiliate networks or advertising networks that webmasters can use to earn income online. But what are those affiliate networks and which ones work best?No network will be the best for everyone. It highly depends on your traffic volume and how targeted the audience on your website is. The closer product and audience match, the better the chances to earn residual income from affiliate products. A webmaster should be a member of several affiliate networks or advertising networks to have a large variety of products to choose from. Some of the bigger networks are Commission Junction and Clickbank. There are thousands of products available with each of these networks. Not everything listed however converts and pays and a webmaster needs to do good research to pick the right product for the right website.Common networks available are Azoogleads.com, XY7.com, MaxBounty.com, CJ.com, Clic
    ir business or their life and they are prepared to set aside some time to come to calls and to take some action.  They don't cancel or re-arrange calls, they pay on time and they appreciate my coaching.  They are not ashamed to say they have a coach and they recommend me to everyone they meet!

    Grade your existing clients into A clients (love you, come regularly, pay happily, turn up, recommend you all the time), B clients (love you, come fairly regularly, pay happily, turn up, sometimes recommend you), C Clients (think you are ok, come occasionally, pay happily, turn up, never recommend you) and the D Clients (aka the BMW's - bitchers, moaners and whiners).  What do we do right now with the D Clients?  D is for Dump.  Dumping the D's makes more time to give the A's and the B's more time, more service, more attention.

    So how do we meet more A Clients and get them in our reservoir?  Work out who the A's are and where they hang out.  Are they business people?  Mums At Home or Ladies Who Lunch?  Sports players?

    When you have established who they are, then think about the problems they have and the things they are interested in.   Think about ways you could add value to those A List Clients.  It might be sending out clippings from newspapers on articles of interest, it might be creating a simple A4 two sided newsletter, it might be a website with useful links and an email newsletter, it might be writing for specialist publications (the last two being my preferred methods, hence this article!).  Just put yourself in their shoes for a moment.

    But whichever method you choose, make sure you enjoy it.  Say what?  Yes, you have my permission to only choose marketing methods that you actually enjoy.  Why?  Because if you don't enjoy them, you won't do them - even if your business is falling down around your ears.

    Do you remember Fiona, my Reiki Master and therapist client?  She found that she was massaging a client or two in the morning, then nothing at all till the evening, when her working clients turned up.  She wanted to build up her lunchtime and afternoon clientele and then limit her evenings to two per week.  Who would be able to come at those times?  The ladies who lunch and the self-employed.  Where do the ladies hang out?  At charity events and hairdressers and in nice restaurants.  What are their challenges?  To look after themselves to the n'th degree, be well groomed, relaxed and charming at all times.  She joined her local ladies groups, talked to her hairdresser and beauty therapist about a joint marketing initiative, volunteered for the local large charity committee and attended a few lunches herself, and then, to reach the self-employed business person, joined the BNI (Business Networking International - for details see www.bni.co

    List Building - What is the Best List Building Web Business Model?
    This is one of the most hotly contested questions online today. There are a number of different internet business models online today, including the content model, the affiliate model, the single product model, multiple product model, catalogue model, list based model, and the sales funnel model.List building can be incorporated into any of these models, and the models themselves can be mixed and matched to come up with your own unique model. What I will do now is give you a brief description of each of these models, and then give you some ideas on how these models can fit together, and how to choose the best one for your business.Content Based Web Business ModelThe content based web business model is a model that centers its profitability around web based content, or information, and primarily sells advertising on its web site for its monetization. By providing useful content to web users, the web sites build up traffic, and advertisers will generally pay to have their ads show on web sites that have reasonable traffic. Over the past few years search engine pay-per-click companies like Overture and Adwords have made monetizing these web sites more popular, by making the advertising pro
    be writing for specialist publications (the last two being my preferred methods, hence this article!).  Just put yourself in their shoes for a moment.

    But whichever method you choose, make sure you enjoy it.  Say what?  Yes, you have my permission to only choose marketing methods that you actually enjoy.  Why?  Because if you don't enjoy them, you won't do them - even if your business is falling down around your ears.

    Do you remember Fiona, my Reiki Master and therapist client?  She found that she was massaging a client or two in the morning, then nothing at all till the evening, when her working clients turned up.  She wanted to build up her lunchtime and afternoon clientele and then limit her evenings to two per week.  Who would be able to come at those times?  The ladies who lunch and the self-employed.  Where do the ladies hang out?  At charity events and hairdressers and in nice restaurants.  What are their challenges?  To look after themselves to the n'th degree, be well groomed, relaxed and charming at all times.  She joined her local ladies groups, talked to her hairdresser and beauty therapist about a joint marketing initiative, volunteered for the local large charity committee and attended a few lunches herself, and then, to reach the self-employed business person, joined the BNI (Business Networking International - for details see www.bni.com). 

    The self employed do not have enough time to look after themselves and often suffer from stress and bad backs.  Fiona initially started talking about bad backs and sports injuries, and now her business has taken off in an amazing way. People went for their practical problems but now go for the Reiki and the other types of emotional healing.  She was so nervous talking about her service for 60 seconds at first, but now is completely at home in that environment.  She even demonstrated crystal therapy the other morning and it was a real treat to watch hard bitten businessmen handling rose quartz and feeling the warmth coming off the crystals.

    This route is not for everyone, but one thing is for sure, there is a marketing method that will suit you.  I like meeting people and writing, so I have a website (www.nicolacairncross.com), a monthly financial coaching newsletter, I write articles for magazines and I attend every networking lunch, breakfast and dinner that I can.  (Plays havoc with the weight though!)

    Remember, whatever you do, you are not selling, just collecting people for your reservoir.  They may not use your service for ages, but if you keep in touch with them in a way that adds value without being too promotional, they will either buy spontaneously or recommend someone who will. 

    The sales part is this.  While not being overly promotional, don't on the other hand make it difficult or even impossible for people to buy your services when they are ready to. 

    Make sure you have contact details and they work (unlike me, who, in the last article for this magazine put an incorrect newsletter link with no other contact details!).  Make sure that people know your prices and don't have to ask (it's embarrassing for them).  Educate them so that they know how to be your ideal client and feel privileged to be so.  Let them know - and thank them - how wonderful it feels when they recommend you or refer someone into your reservoir (unlike my other hairdresser client who used to tell all her existing clients how busy she was, so they felt unable to recommend new clients to her).

    Finally, write down your plan and evaluate it monthly.  Keep doing what works and drop what doesn't - unless you enjoy it!  Not everything works in obvious ways.  Decide on your preferred marketing methods and become the best at those methods.  Educate yourself on how to be most effective, or hire a coach who can help.

    And remember, 50% of all money spend on advertising is wasted, it's just that no-one knows which half!  Till the next time....

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