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    Where Did Your Customers Shop This Season?
    Gas prices have been hovering around 50% higher than last holiday season, and predictions are that home heating costs will show a similar premium to last winter. Those two things alone could restrain some holiday spending this year according to analysts; but one thing is predicted to continue to grow, and even at a higher rate than last year, and that is the use of the internet. More people will search and purchase more goods, spending more money, than last year by a predicted 21.9% according to eMarketer, a market research firm.In fact 4th quarter on-line sales have increased between 20 and 30% each year since 2001 and show no sign of slowing down. Why the consistent growth? Consumers list the following reasons in order of importance according to a recent survey by Goldman Sachs, Harris Interactive and Nielsen / NetRatings: lower prices, wider selection, avoiding crowds, home delivery, and ease of comparison shopping. For these reason
    aymakers are using to find the type of holiday accommodation the portfolio has available, as well as working on various linking strategies to get the website and it's pages ranking well.

    Initially I thought specific keywords would bring in thousands of holidaymakers every week - the keyword 'holiday rentals' I thought would be an excellent keyword to get ranked on the first page - I found after spending a good few months optimising the website for this keyword that it brings in a few referrals a day... lesson learned there.

    LM:What proportion of your internet traffic is direct referral from search engine queries?

    DC:I would say 90% of the traffic is from search queries from search engines and directories - with the other 10% from links, and forum posts. I feel I'm in a position now to attempt to bring in more visitors by spending revenue on marketing the website through other means - I do have sleepless nights thinking what I would do if Google was to stop sending me holidaymakers.

    LM:What would you consider to be your best, zero cost, market

    Small Business Debt Collection Laws
    In your small business debt collection laws will eventually become important, as your debt grows and some clients do not pay. To collect small business debts legally, you must send a written notice that collections have begun, within five days of first contacting the debtor for collections. The letter must include dispute instructions.Small Business Debt Collection Laws Forbidden Practices- Collect any amount beyond the actual debt, unless you really can do so legally.- Continue collections on a debt if the debtor has disputed the debt, unless you provide the debtor with written proof.- Continue contacting the debtor if within 30 days of first contact, the debtor disputes the debt.- Credit a payment the debtor has made to a non-disputed debt to a debt the debtor has disputed.- Deposit a post-dated check before the post-date.- Small Business Debt Collections Laws: What You Can't Say- Give a fal
    The following excerpts were taken from an interview held with successful web marketer Darren Cronian in June 2005.

    LM:You are successfully promoting Worldwide Holiday Homes, without a marketing budget. Is this a decision you took out of necessity or choice?

    DC:Certainly out of necessity - I dream of the day when I can spend thousands of pounds on marketing my business.

    When I first had the idea of the business I had no business plan, I hadn't designed a website before, and I'd certainly never heard of the term SEO, never mind what is stood for. All I did know was that I would submit this website to Google, and within days thousands of visitors would be visiting my site.. (I'm being serious!) that's how innocent I was.

    LM:It could be argued that someone who looks to promote a site without any kind of budget is either ill-prepared or lacks faith in the product or service they are offering. What are your feelings about this?

    DC:I would agree with you - the idea came to me when my parents bought a holiday home in Spain, and I had never thought about building a business before, I was ill prepared and to some degree, I lacked belief that the website and services were going to be successful, and if it wasn't for my own dedication to succeed the business wouldn't be in the position that it is in today.

    Trying to promote your site without spending any money must be extremely difficult. What do you consider to be your biggest challenge in terms of marketing?

    I cannot explain how difficult it is - I see my competitors spending thousands (if not millions) on PPC campaigns, television and radio advertisements, etc and sometimes that can be soul destroying, and you do think 'What am I doing wrong?' but these companies have a work force that are dedicated on building and running the company - whilst I'm running the business by myself, in my living room.

    The biggest challenge with marketing is persuading clients (villa owners) that I can offer them a service, which is good value for money, has great support and customer care - unfortunately, the sector I am working within, the travel industry, has thousands of companies, and many of them have let owners down, and in my opinion made life very difficult for genuine businesses.

    The other challenge I face is making sure that the website is regularly visited by holidaymakers - without the traffic from the likes of Google, Yahoo and MSN the business would not exist - fair enough you could say that about 99% of online companies, but the owners who advertise their villas, etc. rely on enquiries from holidaymakers, and if I'm not providing owners with enquiries, I'm failing them and the business.

    LM:Do you feel that having no marketing budget restrains your site from moving forward and competing with the leaders in your industry?

    DC:It certainly does - I want to be respected by the travel industry, and I want everyone to know who Worldwide Holiday Homes are - when someone is looking to rent a villa I want them to say "oh let's go to Worldwide Holiday Homes". Without a marketing budget, I don't have the funds to pay for a PR company to raise the profile of the business and I think long term this will affect the business unless I increase the revenue to the business.

    LM:To be able to compete with those webmasters who have large sums of money available for promotion do you feel you need to think smarter or work harder?

    DC:Both think smarter and work harder. My working week is working around 14 hours a day, 7 days a week, it doesn't give me much time for a social life, but if I put the hard work in now, in years to come that hard work will come to fruition. The great thing about webmaster forums like Digitalpoint.com is that you can learn from other webmasters, and all of the experience and knowledge I have gained running this business has been from more experienced webmasters and search engine specialists.

    LM:If you are not spending money then presumably you are relying on SEO skills to promote your site. What areas of Search Engine Optimisation have you spent time on and which have generated the most successful results?

    DC:I certainly am relying on SEO skills to promote the website and have focused more on researching keywords which holidaymakers are using to find the type of holiday accommodation the portfolio has available, as well as working on various linking strategies to get the website and it's pages ranking well.

    Initially I thought specific keywords would bring in thousands of holidaymakers every week - the keyword 'holiday rentals' I thought would be an excellent keyword to get ranked on the first page - I found after spending a good few months optimising the website for this keyword that it brings in a few referrals a day... lesson learned there.

    LM:What proportion of your internet traffic is direct referral from search engine queries?

    DC:I would say 90% of the traffic is from search queries from search engines and directories - with the other 10% from links, and forum posts. I feel I'm in a position now to attempt to bring in more visitors by spending revenue on marketing the website through other means - I do have sleepless nights thinking what I would do if Google was to stop sending me holidaymakers.

    LM:What would you consider to be your best, zero cost, marketi

    5 Steps to Start a Home Based Affiliate Business
    Affiliate marketing is a well known way of working at home. A lot of people want to get in on the action, but many do not know how or are misinformed. However, starting a home based affiliate business can be done in just five simple steps.Step 1: Picking a NicheIn order to make a home based affiliate business successful, you have to research and choose a specific niche to focus your efforts on. It is not good practice to loosely focus on many different niches at first. You need to choose a niche that interests people enough to spend money on. Then you can work on finding affiliate programs in that niche.Step 2: Picking Affiliate Programs to JoinThere are lots of affiliate programs out there, promoting a lot of different products. There's big programs like Clickbank and Commission Junction, all the way down to smaller, more targeted affiliate programs. What affiliate program is best for your niche? You need to tak
    ght about building a business before, I was ill prepared and to some degree, I lacked belief that the website and services were going to be successful, and if it wasn't for my own dedication to succeed the business wouldn't be in the position that it is in today.

    Trying to promote your site without spending any money must be extremely difficult. What do you consider to be your biggest challenge in terms of marketing?

    I cannot explain how difficult it is - I see my competitors spending thousands (if not millions) on PPC campaigns, television and radio advertisements, etc and sometimes that can be soul destroying, and you do think 'What am I doing wrong?' but these companies have a work force that are dedicated on building and running the company - whilst I'm running the business by myself, in my living room.

    The biggest challenge with marketing is persuading clients (villa owners) that I can offer them a service, which is good value for money, has great support and customer care - unfortunately, the sector I am working within, the travel industry, has thousands of companies, and many of them have let owners down, and in my opinion made life very difficult for genuine businesses.

    The other challenge I face is making sure that the website is regularly visited by holidaymakers - without the traffic from the likes of Google, Yahoo and MSN the business would not exist - fair enough you could say that about 99% of online companies, but the owners who advertise their villas, etc. rely on enquiries from holidaymakers, and if I'm not providing owners with enquiries, I'm failing them and the business.

    LM:Do you feel that having no marketing budget restrains your site from moving forward and competing with the leaders in your industry?

    DC:It certainly does - I want to be respected by the travel industry, and I want everyone to know who Worldwide Holiday Homes are - when someone is looking to rent a villa I want them to say "oh let's go to Worldwide Holiday Homes". Without a marketing budget, I don't have the funds to pay for a PR company to raise the profile of the business and I think long term this will affect the business unless I increase the revenue to the business.

    LM:To be able to compete with those webmasters who have large sums of money available for promotion do you feel you need to think smarter or work harder?

    DC:Both think smarter and work harder. My working week is working around 14 hours a day, 7 days a week, it doesn't give me much time for a social life, but if I put the hard work in now, in years to come that hard work will come to fruition. The great thing about webmaster forums like Digitalpoint.com is that you can learn from other webmasters, and all of the experience and knowledge I have gained running this business has been from more experienced webmasters and search engine specialists.

    LM:If you are not spending money then presumably you are relying on SEO skills to promote your site. What areas of Search Engine Optimisation have you spent time on and which have generated the most successful results?

    DC:I certainly am relying on SEO skills to promote the website and have focused more on researching keywords which holidaymakers are using to find the type of holiday accommodation the portfolio has available, as well as working on various linking strategies to get the website and it's pages ranking well.

    Initially I thought specific keywords would bring in thousands of holidaymakers every week - the keyword 'holiday rentals' I thought would be an excellent keyword to get ranked on the first page - I found after spending a good few months optimising the website for this keyword that it brings in a few referrals a day... lesson learned there.

    LM:What proportion of your internet traffic is direct referral from search engine queries?

    DC:I would say 90% of the traffic is from search queries from search engines and directories - with the other 10% from links, and forum posts. I feel I'm in a position now to attempt to bring in more visitors by spending revenue on marketing the website through other means - I do have sleepless nights thinking what I would do if Google was to stop sending me holidaymakers.

    LM:What would you consider to be your best, zero cost, market

    Using Employee Opinions Effectively When Designing HR Programs
    Using Employee Opinions Effectively When Designing HR ProgramsEmployee opinion is one of the most powerful resources available to human resource professionals. But what are the best methods for harnessing those opinions?Conversation - Welcoming feedback via informal conversation is the first step towards utilizing the viewpoints of employees.Focus Groups - Focus groups take conversation to the next level by brainstorming on particular issues. A focus group gives HR insight into the thoughts, feelings and motivations behind an opinion. An optimal focus group consists of 10 - 20 employees.SWOT analysis - While focus groups have more free-flowing discussion, SWOT Analysis focus the group on very specific issues. First, the Strengths of the organization are explored. Second, the Weaknesses of the organization are discussed. Third, Opportunities for improvement are brainstormed. Finally, Threats to improvement are cons
    s thousands of companies, and many of them have let owners down, and in my opinion made life very difficult for genuine businesses.

    The other challenge I face is making sure that the website is regularly visited by holidaymakers - without the traffic from the likes of Google, Yahoo and MSN the business would not exist - fair enough you could say that about 99% of online companies, but the owners who advertise their villas, etc. rely on enquiries from holidaymakers, and if I'm not providing owners with enquiries, I'm failing them and the business.

    LM:Do you feel that having no marketing budget restrains your site from moving forward and competing with the leaders in your industry?

    DC:It certainly does - I want to be respected by the travel industry, and I want everyone to know who Worldwide Holiday Homes are - when someone is looking to rent a villa I want them to say "oh let's go to Worldwide Holiday Homes". Without a marketing budget, I don't have the funds to pay for a PR company to raise the profile of the business and I think long term this will affect the business unless I increase the revenue to the business.

    LM:To be able to compete with those webmasters who have large sums of money available for promotion do you feel you need to think smarter or work harder?

    DC:Both think smarter and work harder. My working week is working around 14 hours a day, 7 days a week, it doesn't give me much time for a social life, but if I put the hard work in now, in years to come that hard work will come to fruition. The great thing about webmaster forums like Digitalpoint.com is that you can learn from other webmasters, and all of the experience and knowledge I have gained running this business has been from more experienced webmasters and search engine specialists.

    LM:If you are not spending money then presumably you are relying on SEO skills to promote your site. What areas of Search Engine Optimisation have you spent time on and which have generated the most successful results?

    DC:I certainly am relying on SEO skills to promote the website and have focused more on researching keywords which holidaymakers are using to find the type of holiday accommodation the portfolio has available, as well as working on various linking strategies to get the website and it's pages ranking well.

    Initially I thought specific keywords would bring in thousands of holidaymakers every week - the keyword 'holiday rentals' I thought would be an excellent keyword to get ranked on the first page - I found after spending a good few months optimising the website for this keyword that it brings in a few referrals a day... lesson learned there.

    LM:What proportion of your internet traffic is direct referral from search engine queries?

    DC:I would say 90% of the traffic is from search queries from search engines and directories - with the other 10% from links, and forum posts. I feel I'm in a position now to attempt to bring in more visitors by spending revenue on marketing the website through other means - I do have sleepless nights thinking what I would do if Google was to stop sending me holidaymakers.

    LM:What would you consider to be your best, zero cost, market

    Presenteeism - present in body absent in productivity
    Presenteeism is alive and 'not well' in many businesses today. It will visit your business or may even be present as you read this article.Presenteeism may be described as 'attending the workplace with minor or serious illnesses' when in fact your employee or you should be away recovering'!It’s a fact of life that when we don’t feel good we don’t operate at our best!Many of us have observed workers and co-workers who have come in for the day and seemed present at the job only to observe a decrease in productivity or an overrun of deadlines. Some of us would have experienced this ourselves.Employees or managers attending your workplace with minor sicknesses such as asthma, irritable bowel, migraines, arthritis, stress, fatigue may cause your business serious risk such as legal claims, productivity loss, declining employee morale and a occupational health and safety problem.With more seious illnesses such as surgery
    l affect the business unless I increase the revenue to the business.

    LM:To be able to compete with those webmasters who have large sums of money available for promotion do you feel you need to think smarter or work harder?

    DC:Both think smarter and work harder. My working week is working around 14 hours a day, 7 days a week, it doesn't give me much time for a social life, but if I put the hard work in now, in years to come that hard work will come to fruition. The great thing about webmaster forums like Digitalpoint.com is that you can learn from other webmasters, and all of the experience and knowledge I have gained running this business has been from more experienced webmasters and search engine specialists.

    LM:If you are not spending money then presumably you are relying on SEO skills to promote your site. What areas of Search Engine Optimisation have you spent time on and which have generated the most successful results?

    DC:I certainly am relying on SEO skills to promote the website and have focused more on researching keywords which holidaymakers are using to find the type of holiday accommodation the portfolio has available, as well as working on various linking strategies to get the website and it's pages ranking well.

    Initially I thought specific keywords would bring in thousands of holidaymakers every week - the keyword 'holiday rentals' I thought would be an excellent keyword to get ranked on the first page - I found after spending a good few months optimising the website for this keyword that it brings in a few referrals a day... lesson learned there.

    LM:What proportion of your internet traffic is direct referral from search engine queries?

    DC:I would say 90% of the traffic is from search queries from search engines and directories - with the other 10% from links, and forum posts. I feel I'm in a position now to attempt to bring in more visitors by spending revenue on marketing the website through other means - I do have sleepless nights thinking what I would do if Google was to stop sending me holidaymakers.

    LM:What would you consider to be your best, zero cost, market

    Independent Professionals: What Paradigm Are You Weaving? Part 1
    So we've heard the well-worn statistic that we're exposed to around 3000 advertising messages per day (personally I think it's A LOT more). Ever consider what each of these messages is really asking you to consider?I just opened up the web browser on one of my PC's. Straight away I'm faced with an ad from Virgin Credit Cards "Things get more exciting when you say yes!" presumably that means saying 'yes' to debt - in this case it's by clicking on the word 'yes' which opens a musical jewellery-box. A ballerina proceeds to leap out from her fixed spinning and start gyrating like a mental raver! Is this what Virgin mean by things getting more exciting??..Must be.The animation ends with a billboard announcing "The Virgin Credit Card, Say Yes." Plastered underneath is the virgin logo with the word "Money" next to it.We're faced with thousands of such notifications daily, each one is asking us to consider something from a specific fra
    aymakers are using to find the type of holiday accommodation the portfolio has available, as well as working on various linking strategies to get the website and it's pages ranking well.

    Initially I thought specific keywords would bring in thousands of holidaymakers every week - the keyword 'holiday rentals' I thought would be an excellent keyword to get ranked on the first page - I found after spending a good few months optimising the website for this keyword that it brings in a few referrals a day... lesson learned there.

    LM:What proportion of your internet traffic is direct referral from search engine queries?

    DC:I would say 90% of the traffic is from search queries from search engines and directories - with the other 10% from links, and forum posts. I feel I'm in a position now to attempt to bring in more visitors by spending revenue on marketing the website through other means - I do have sleepless nights thinking what I would do if Google was to stop sending me holidaymakers.

    LM:What would you consider to be your best, zero cost, marketing success?

    DC:Good question - search engine optimisation on a number of pages with some very competitive keywords - obviously I don't want to give my competitors the opportunity of outranking me, so I'd prefer not to divulge the keyword terms. Also, I submitted a few press releases to www.prweb.com and found myself speaking to two editors of a regional newspaper, and an online travel magazine, both these articles brought in a good level of traffic for a few weeks after... and it was free.

    LM:Your site has featured in UK papers (The Yorkshire Evening Post). How did you manage to gain such press coverage?

    DC:The business was featured in the Yorkshire Evening Post under the business section, simply because one of the editors had heard about me setting up this business and thought it would be a really good story for other small business owners (or people thinking about setting up a business). Word of mouth is and will always be the best form of marketing - I spoke to a guy in the pub, who knew an editor at the newspaper and the rest is history.

    LM:Now that you are obviously experiencing some success are you tempted to invest your profits into marketing in order to move your site up to the next level?

    DC:Yes, in the past couple of weeks I have started to look for quality websites to promote my business and website on, the problem with advertising is that you don't know how effective it is going to be, and with a tight marketing budget you can't afford to make any mistakes.

    LM:Finally, do you have any other areas of free promotion that you are looking to exploit in the near future?

    DC:Yes, I'm actually writing my first e-book, and will obviously continue on optimising the website and writing press releases and travel articles. I believe that networking (word of mouth) is a big part of promoting your business, and you won't believe how many new clients I have received by simply taking a taxi ride and telling the driver all about my business (without boring him!) and handing them my business card. I'm also a member of www.ecademy.com which is paid or free membership, and enables you to meet and network with people of the same interests, this has been a great place to pick up ideas and again promote my business.

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