The Closing Door of Education

One of the few doors left open to minorities, disadvantaged, and high risk groups is being closed at a time when we need the productivity only an educated work force can provide. In the nineteen nineties we virtually closed universities to them, and in the decades that followed, the doors of community colleges squeaked close. Their last bastion of hope, for profit institutions, are now closing their doors in response to new government mandates.

For years access to main stream Universities by minorities and other at risk populations has been blocked as universities employed “educational necessity “to admission standards which often have the effect of excluding minorities and at risk populations. The end of affirmative action, gave universities a great deal of latitude to structure their student bodies almost any way they chose. The test of “educational necessity” was a generalized rule that required universities to employ testing which had been validated, and had some relation to fulfilling an educational need. In order to make the student bodies more diverse, to meet research needs, and a long list of other requirements could be, and often were used to include or exclude groups of individuals. All that the courts required was that the testing be validated and for furtherance of educational goals. The result was an overall reduction in minority participation in those schools. Let me be clear, growth did occur, but not in proportion to main stream America. In many cases minority participation was one fifth that of non- minorities, and in the last few years has been in decline. A lot of this can be attributed to the general state of k-12 education in this country. Schools in urban centers and poor rural communities where most minorities are found have fewer resources, teachers with less training and pay, and less overall preparation for college. Their chances of getting into a tier one university are slim. Minorities had to look to the community college system to fulfill the American dream of getting a college education.

The Community College system found its maximum growth in the nineteen sixties with large numbers of boomers seeking educational degrees for job advancement. States responded with the expansion of the community college system to a large number of technical and other programs to meet this need. With the closure of universities to many minorities, the community colleges became a viable option. This system was accessible, because there was an open admissions policy allowing anyone to enter and take classes. Significant numbers of minority and high risk students entered these institutions because of the open admission policy, and failed to survive the first year. Coming from sub-standard high schools, they lacked the skill sets to succeed. It was not long before the keepers of the public purse began to look at these failures and to employ certain metrics to ensure the public money was being well spent. This forced a change in standards as agencies looked at graduation statistics, retention, and repayment numbers to be sure dollars were not being wasted. Those schools not meeting the metrics would lose federal funding. Most institutions today depend on federal dollars to keep their doors open. If their numbers are outside those the federal government requires, they take steps to correct the situation. In response, Community colleges put in place remedial courses, and under protection of “educational necessity” shunted these problem students into these courses, so they did not actually count against their statistics. Technically, these students were not officially part of the student body while in these remedial classes. Students would then be required to spend years simply getting ready to take college courses. This added expense, and a great deal of time to degree completion. Some students would spend up to five years getting a two year degree. Even if the student completed the remedial courses, they would often find themselves out of sequence to get the college courses they needed. The student would have to wait until the course was offered again, which might be the next year. Subsequently, students dropped out at record rates. That left only the for profit institutions as a path for many of these students to get degrees.

Today, in response to legislation new legislation, my school, along with other for profit institutions will begin testing of applicants to denying them access to the schools based on that test. For many years, for profit institutions have had a literal open admission policy. They have serviced the high risk and minority populations with technical programs designed to produce viable graduates in a short period of time. Now, for profit institutions are moving to exclude the very students that have built their corporations. To meet this new requirement they will exclude high risk and minority students by requiring them complete remedial courses on the basis of a test applied randomly to a selected segment of people seeking admission. If they fail this course, they will not be allowed to attend the school. This is all to insure that the graduation, retention, and repayment statistics they report will meet federal requirements. Where will these students go to get college educations? Will we relegate generations of minorities and the poor to second or third class status because they cannot get an education? I have been unfortunate enough to see the impact denial of education has had on generations of blacks, Hispanic, and the poor. I had to fight a war in Asia to get the right to enter a college, and fought endless battles to stay in school and succeed. I found those same struggles confronting me as I entered law school. Even after graduation, with a law degree, I fought battles on a daily basis to be sure the doors of education were open to everyone. Now, as a member of an educational institution where I serve as a School Chair, I find it disheartening that these measures are now going to push generations of the poor, minorities, and high risk students away from the American dream forever. With all the emphasis on the federal budget and corporate profitability, will we leave everyone else behind?

Christian Home Based Business Opportunity – Are There Any?

Are you looking for a Christian home based business opportunity, but find you are disappointed with the selection? There are some good ones out there, but I have not found there to be an abundance of them.

Many look for a Christian based opportunity for several reasons.

• They want to work with like-minded people with similar values
• They want o sell Christian products that have a lasting effect
• They feel better about the home based opportunity and feel they are less likely to be scammed
• They want to be part of something “bigger” – something with eternal benefits.

What is your reason? It doesn’t have to fit one of the above. It might be any number of other explanations.

The existing Christian home based opportunities that I am familiar with are mainly selling products like jewelry, books, or other items. Some don’t involve selling Christian based products but the companies are owned by Christian entrepreneurs.

So, what do you do if you don’t want to sell Christian books or jewelry? You may not have a keen interest in selling what is offered. Do you give up on your goal of starting a Christian home based business?

No! Think about “creating” an opportunity. Take an inventory of your experience, interests, gifts and talents. Then determine what type of home based opportunity would lend itself to incorporating these into a business.

When you develop your own opportunity, you are much more likely to enjoy it and feel connected to it. There are always challenging times in a business, and if it is one that you have created from scratch to suit who you are, you will be able to keep going through the difficult times. Having an invested interest in the business goes a long way in sticking with it.

Always, but always, do your research before you settle on a business. Determine if there is a market who would be interested in what you want to offer, whether it is a service or a product. Always, make sure they are willing to spend money on it, and are not freebie-seekers. You want to pursue an opportunity that has profit potential.

Check in stores to see what is selling. Talk with the owners to see how popular the particular types of products are. You don’t want to make exactly the same type of products, but if other similar ones are selling, that is a good sign.

Do as much research as possible before jumping in. Know that there is a potential to make a good profit before you start your business up.

Home Based Business – How to Make Success As Easy As Pie

Lots of people think about starting a home-based business, and I’m assuming that since you’re reading this article you’re one of them. Now, the question is, what’s the difference between people who think about starting a home-based business and the people who actually do it? The main difference is two things: 1.) a solid plan and 2.) action.Why do so many people settle for jobs that they’re not happy with or that don’t provide them with the kind of income they need or want? They lack a solid plan and/or the right kind of action. So don’t let yourself fall into the category of people who think about making money, let’s pave the way to actual success!Now, one of the things that’s a stumbling block for so many people is simply the mindset they have in approaching their home-based business or financial goals. Many people want a better way of life for themselves and their families, but they’re lacking in confidence or certainty that it’s actually possible for them.Success in business is not hard if you have the desire and determination to succeed. The knowledge and skills are actually the easy part: the internet is a wealth of information for those who want to learn more about how to make money from home. Of course, there is a certain amount of junk out there, but there’s also a great deal of helpful information available for free or very little cost compared to the profit potential.One of the best ways to increase your desire, motivation and determination to succeed in a home-based business is to take an hour, or even a half hour, and write down the pros and cons of starting a home-based business or just continuing on with your life as it’s presently going.Here are some of the PROS of a home-based business to help get you started:*Requires little or no capital (if the business is done online)
*Has high income potential
*No commuting
*Spend more time with family
*No boss
*Fewer work-related expenses
*Etc.So what are some of the cons? Well, the biggest negative that is in most people’s minds is they are afraid to invest their time and energy into an endeavor that might fail. Guess what? If you keep trying, you will NOT fail. Determination is key to success.Now, one of the fastest ways to succeed in any endeavor is to take the advice of those who have tread the path successfully before you. No need to reinvent the wheel!

Tips For Successful Home Based Business

Home based businesses are a growing trend for earning supplementary income. The major benefit of such home based businesses is that the work you have to do is little but the income you will gain is more. Making money online is beneficial but it requires hard work, training and some other factors which lead to a successful home based business. Following are some of the guiding principles which you must keep in your mind for your home based business.1) Progressing in a home based business will take time, more practice and obviously the money. If you are really serious to get money for yourself by sitting at home then you must pick several tips to be a successful businessman as they are some helpful advices for your concern. Whether it is downloadable product or any inventory products, all you need to do is work hard in order to get long term profit. For this you have to put your practice, money and concentration with time all together to work better. If you already have a job or educational career then it may seem to be really distracting to maintain and divide time for each thing, job/education, and home based business and also friends/family. You must plan well before organizing your schedule so you can work with more concentration and easiness.2) The second tip which is more than a tip actually, you must be honest to yourself and do not deceive anyone for gaining money. If you had work for making money online before and had invested your earned dollars but as a result you did not even received a penny. It is very distressful and I know how angry you felt for this sort of cheating with you. But the point is when you are starting a new home based business then does not make any cheat or treachery with someone just like you had faced. It will result you not to hold a long time position in the online market. Do not try to sell your products through swindle manners. There can be many methods to sell the products and it can be easier for you to sell the products if you once know those legal methods. The more honesty you show in your work, the more repeated business you will have and you will stick for longer time in business.3) Business with care and zeal is necessary. Making your time more useful, neglecting wastage of time, getting rid of laziness and concentrating more towards the work will lead you to a quick success. If you work hard and determine the importance of your routine, it is guaranteed that your business is not going to be failed. When you know about the work you have, always make sure you make the proper schedule of every work and then start off with the proper times of each work.When you started your business and not gaining good success then always make sure to ask you self few questions like: Am I really working hard for the success? Did I take training before work? Was I realistic when I took the work or it just sounded good to me?

Home Based Business – How to Earn Extra Money While Studying

Running your home based business while studying at university is a great way to make some extra money and to hone your entrepreneurial skills. You must have heard stories about some enterprising students who set up their home ventures and made decent money from them. You may be wondering how they did it.In the current grim economic times, students can ideally distinguish themselves by setting up and managing their own business. This will not only perfect their entrepreneurial skills but also make money in the same time.Distinct advantage:If you are a student and managing your home based business, it gives you a distinct advantage in the highly competitive job market. The home venture that you set up while studying at university can turn into a real business enterprise later. Let your student days be the groundwork for sharpening your business abilities.You will learn about cash flow management, marketing and managerial skills. At the same time you can later, if you wish, take up a corporate position since any employer will recognize and value the skills that you have developed. Although when people normally get the taste of business management, the normally do not tend to work for others.Developing the business idea:Many universities encourage their students to develop their entrepreneurial ideas and often there is a good support system for setting up a home based business. You might want to find out if your college has appointed anyone that can help you with this.You should consult and take guidance from other successful student-entrepreneurs. This will help you gain not only the start up experience but it will also translate your business ideas into real entrepreneurial programs.You don’t have to be a student on a business course to start and run your enterprise. By setting up your own ventures, you are also perfecting your managerial skills. People from all walks of life have shown their capacity to run successful businesses.Becoming creative:You need to pick up some creative ideas to earn extra money. With hard work and innovative ideas you can turn a home base business into a great source of income. If you have a burning interest in some hobby, think of cultivating it and converting it into a concrete business plan.Striking a balance:You may have to sacrifice a bit for running your enterprise while being a student. For example you may miss going out with your friends. Sometimes your business engagements will interfere with your studies especially during the exams. It may force you to cram for exams and work late into night to get through the course.However, a diligent student can manage it. It may be difficult initially but you will get used to it. You will be able to know how much time you have to spend on business and when you have to pay attention to your university course.Student-entrepreneur ideas: There are unlimited opportunities on the internet for students turned entrepreneurs. Your professors or staff may have some connections and ideas to help you establish your enterprise.All you need is to keep your mind open. There is no doubt that starting your own home based business needs a good amount of optimism. Students have the kind of optimism which is needed to get started. Your entrepreneurial ideas can become a great source of income while you study and even after that.

Running A Successful Christian Home Based Business

Running a successful Christian home based business is not easy, but if you work hard then it will pay off. Christian business is as hard to run as any business. However there is always the benefit of working for God and gaining the rewards. If you feel passionate about your Christian beliefs then there is no better way of sharing them than with your own home based Christian business.Running any business is a challenge, but with hard work and effort it can be very rewarding. Working with a team of staff members is not always necessary when running a business based from home. In fact, it could be a very simple business such as a blog or other article writing site. There is no need to have a complex business idea although it does help to have a business plan. There are many Christians who have made great successes by running their own Christian home based business.Even in the world we are living today there are many benefits of having a home based business. Although times are economically tough, there is always the opportunity to expand your own business. Therefore, if you do expand the business you will make greater profits and get more customers. The best way of starting any Christian based business is to start small and then work your way up. Don’t be fooled by empty promises that promise you will make riches over night. It is not usually possible to make it rich over night and people who promise that you can, are usually offering a scam. Therefore be careful when choosing the type of business you want to enter into.On the internet you do need to be aware that there are a lot of scams. People want to take advantage of people who are less knowledgeable than themselves. By offering a wonderful opportunity to make lot’s of money very quickly these schemes attract unaware customers. Once a customer has parted with their hard earned cash they will probably either receive something completely useless or nothing at all. Furthermore, the customer will have spent their money and will be unable to do anything about it.Running a Christian home based business takes careful consideration and a person who keeps their wits about them. It is important to calculate risks and carefully consider investments. It is possible to run a successful, profitable Christian home based business. However it will take time and effort. Even the larger Christian companies didn’t get where they are today without putting in the ground work.

The Importance of Home Based Business Scripts

I was having a conversation with one of my business partners tonight, and the topic came up about home based business scripts. We were actually talking about how much of a struggle it is for new business owners to get on track in terms of getting over the anxiety to call their people to promote events, products, or services. My response was that it’s just a natural part of the sales process, and that people should get over it. We discussed various ideas and threw around some new ones to help people overcome the fear, but it all came down to home based business scripts.Without having home based business scripts in front of you to sort of act as a verbal guide, it’s mortifying to so many individuals who start a home based business that they need to pick up the phone and actually talk to people. I know many people who will actually take the time to come up with excuses just so they can get out of a call workshop or calling their people. It’s very sad, because if they only knew how much their friends, family, and acquaintances actually thought of them, then they wouldn’t be so fearful. The truth is, they rarely think of you, so why waste your time fretting over people who don’t even think that much of you?Do you ever wonder why movies have scripts? It’s because it doesn’t ruin the flow of the movie, because it allows the actors and actresses to follow a rubric so they won’t stall and create more “NG” clips. I think people refer to these as bloopers, but you get the picture. Home based business scripts are equally important when it comes to your own success, because if you had to “wing it,” you would probably be stumbling and bumbling and the exchange would be an utter fail with the customer or prospect, because they would soon realize that you have no idea what you are doing.I know that some of you are rolling your eyes, because you think that you are a superstar in the industry, and that you can make any call, without home based business scripts, and you’ll be successful. Well my friend, I can tell you this: superstars only come once in a lifetime. Everyone else learns how to be professional through scripted performance.Any good home based entrepreneur knows that the key to success is through duplication of teachable techniques that everyone can do. Establishing home based business scripts is one of those duplicatable techniques that can trickle through your organization. Flying by the seat of your pants is definitely not considered duplicatable.So what comprises really great home based business scripts? Let’s take a look:1) Good script packages cover almost every occasion possible so your new business partners always have a way to get in a conversation and get out with contact information.2) The script is clear, concise, and easy to follow without any real pre-coaching3) Scripts are made with ever-changing dynamics in mind, such like a decision tree, where different scenarios that are presented are already covered in the tree to guide the prospect through the conversation4) Scripts are so well-written that they don’t really leave any room for interpretation or modification of the wording. 5) Good scripts should have a setup and follow-up system before and after the script content, so the prospect knows how to open, and more importantly, CLOSE!6) Scripts are generally free of foul language or slang, so it removes any angst or ambiguity. 7) Scripts have good use of emotional language and trigger words that the prospects can identify with to create value.During that exchange with one of my business partners at the beginning of this article, I actually came up with some fantastic home based business scripts that are virtually fail-proof and get the job done every time. If you want to create your own scripts too, I would highly recommend it! It’s good practice, and it can help to improve your writing ability and imagination.If you are just starting out and want pre-made scripts, there are a number you can find online. Just figure out what works for you and is a script that you are comfortable using during a phone conversation. Anything you can do to make that experience easier and less nerve-racking is a plus.

Why Every Buyer Should Have a Real Estate Lawyer When Purchasing a Home

Buying a home for many people may at first appear to be a fairly simple matter but once a person has experienced the process of buying a house they quickly learn that there is more involved than simply finding the right property, signing the purchase and sale agreement and then proceeding towards closing. There are many different steps involved in buying and home and many buyers often experience uncertainty or even fear during the purchase process. However, an experienced Florida real estate lawyer can carefully guide the buyer through the entire purchase process and look out for the buyer’s best interest. The following describes the various steps in the purchase process and how a Florida real estate attorney customarily assists the buyer during each step.

Pre-Contract Negotiation:

Although engaging the services of a real estate lawyer is not absolutely necessary during the pre-contract negotiation phase of a real estate purchase transaction, it can be helpful for the buyer to speak with attorney if the buyer has any questions regarding the purchase price and any tax related issues that the buyer may be concerned with. Speaking with an experienced Florida real estate attorney about the buyer’s concerns and questions during the pre-contract negotiation phase will give the buyer the opportunity to address a situation prior to the buyer being bound to a contract to purchase a home and will provide comfort to the buyer regarding certain questions that the buyer may have about the pending home purchase.

Contract of Sale:

Although in Florida many residential purchase contracts are standard form contracts with “check the box” options such as the FAR contract and the FAR/BAR contract, a contract of sale is not a simple document and should not be viewed as such. It is critical for a Florida real estate attorney to be involved during the preparation of the contract of sale to properly advise the buyer before the buyer becomes forever bound by the terms of the contract. A Florida contract of sale contains many different details associated with the purchase of the home and although the real estate agent is normally the person who prepares the contract of sale, the buyer’s attorney is the one who will sit down with the buyer to explain everything the buyer will need to know about what the buyer is signing and what it means for the buyer. A real estate contract of sale usually includes many important factors such as: what real and personal property are included in the sale, the purchase price, the amount of the deposit which is to be paid, where same will be held in escrow and what the provisions of the escrow are, how many days the buyer has to obtain a loan commitment and what happens in the event that the buyer is unable to obtain a loan commitment, what will happen if any damages to the house are present or any major repairs are required, the requirement of a clear title in order for closing to occur and what will happen if there is an issue that can not be cleared on the title, when the closing date is scheduled to be, what happens if the seller is not ready to close and the buyer is, the allocation of closing costs and expenses, and many other important matters to consider. An experienced Florida real estate attorney’s involvement during this stage to explain the details, requirements and repercussions of the numerous contractual considerations is extremely valuable.

Status of Title:

In order to close on a property it is necessary that there be a clear and marketable title. A title search report is ordered from a title insurance company and will list any violations or title clouds against the seller and the property the buyer is purchasing. Violations against the seller customarily include judgments and the title clouds that may show up on a house are lis pendens, liens, judgments and fines for municipal code violations. An experienced Florida real estate attorney will review the title search report and the information contained therein to make sure the status of the title is clear before moving forward with the purchase of the home, and will take all necessary actions in order to clear any title clouds prior to closing.

Survey:

Although almost always required by the buyer’s lender when the buyer is financing his or her purchase, even in all cash transactions it is essential that a survey is ordered for the property and carefully reviewed prior to closing. Knowing where the property lines are and the existence of any encroachments is extremely important when buying a home. A survey will assist to determine whether everything that the buyer is purchasing is within the property lines. The buyer’s real estate attorney will order a survey for the buyer and have it certified to the buyer. The buyer’s real estate attorney will explain all of the findings of the survey and will be able to answer any questions that the buyer may have regarding the items depicted on the survey.

Closing:

The final step in every real estate purchase that the buyer’s real estate attorney will be heavily involved in is the closing of title. Closing is where the deed to the property is signed and delivered to the buyer transferring ownership of the property to the buyer. Having an experienced Florida real estate attorney present at closing will ensure that all of the closing documents are accurate and properly executed. The buyer’s real estate attorney will answer any questions the buyer may have which relate to the purchase transaction and/or the closing documents. Finally, the buyer’s real estate attorney will make sure that the buyer’s purchase funds go to the right place.

The information in this article is of a general nature only and is not intended to be relied upon as, nor a substitute for, specific professional advice. No responsibility for the loss occasioned to any purpose acting on or refraining from action as a result of any material in this publication can be accepted.

The hiring of a lawyer is an important decision that should not be based solely on advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

Binary Options Trading As an Investment Vehicle

It is human nature to try to make the most of our assets, including our financial assets. Apart from those people who have no ambition and throw away their money, the majority look for ways to increase the amount they have. They look to the future, and try to build enough resources to let them see out their retirement in a financially stable way.

One of the most common ways to try to build up cash reserves is to use existing cash to put into some kind of investment scheme. There are many different investment vehicles available, and one of the most popular ones in recent times has been binary options.

Like all investment schemes, there is an element of risk involved, but one of the reasons binary trading has become so popular is it provides an opportunity to make substantial profits over a relatively short time period.

Bad investments

There was a time when people were quite happy to leave their spare cash in a bank. They felt it was secure there, and that gave them such confidence that they did not worry too much about the poor rates of interest they were receiving.

Today, unless you have a very large sum of money to invest, putting your money in a savings account is like throwing it away, albeit over a long time period. Interest rates on standard savings accounts are now almost always lower than the rate of inflation.

That means that even though the dollar amount in your savings account may be growing year on year, its real value is actually falling. In other words, you can buy less with the amount in your savings account now than you could with the amount you originally invested. In the present financial situation, putting your money in a bank savings account has to be regarded as a bad investment. This is especially the case for long term goals, such as a comfortable retirement.

Why binary options trading is a viable alternative?

As already stated, binary trading provides a way to make decent profits over relatively short time spans. One of the key aspects of this type of trading is that results are known quickly, giving investors the option to take corrective action before large losses are incurred.

Later, we will look at how this type of trading compares to other forms of investment. First, it is important for the potential trader to understand what this type of trading involves, and how it is different from other more standard types of investing. The best way to do this is to compare this type of trading with stock market investments.

To make our explanation clearer, we are going to create a fictitious company called Ace Products Inc. whose stocks are traded on the NASDAQ. The company is doing well, and its share price has risen by more than a dollar in the last year to $7.95 today.

Stocks

Stocks or shares are issued by companies that have floated on one or more of the world’s stock exchanges, such as the NASDAQ or the London Stock Exchange. Companies issue shares at a given price, and anybody can then buy some of these shares. Shares are bought and sold through the stock exchanges. The price of shares is dictated by supply and demand. The more demand for a given the share, the higher the price will be.

When you buy shares in a company, you become a part owner in that company, no matter how small your share allocation is. That means you have a say, albeit a tiny one, in how the business is run.

Shareholders are entitled to vote at the company’s AGM, where they can take part in votes to appoint people to the board, and to approve the company’s annual accounts. Most people who have small shareholdings do not bother to attend the AGM to do this. They can appoint a proxy to vote on their behalf. If they do not attend and do not appoint a proxy, they assign the right to vote on their behalf to one of the board members.

If the company they have invested in makes a profit, the board may decide to issue a dividend. The company decides it has a surplus of cash that will be divided amongst the shareholders. Each share will have some monetary value, and the total payable to a shareholder is the share dividend value multiplied by the total number of shares he or she owns. When the dividend is paid out, most companies permit shareholders to reinvest the money by purchasing new shares, or they can opt to receive a cash amount.

For the purposes of our illustration, we will assume you own 1,000 shares in Ace Products Inc., which you bought 6 months ago at $7.25 each. The company has announced that it will pay a dividend of 2c per share. That means you are entitled to a $20 payout from the company. For simplicity’s sake, we will ignore brokerage fees and bid/offer spread (of which more later), but if you decide to sell the shares, you can now make a profit in your investment. Here’s how:

How To Succeed At Online Product Creation The Easy Way

Product creation could be a frightening subject for a lot of Internet marketers to face. Some folks who get in the game with the intention of making a full time income are completely ignorant as to how an online business operates. One of the most profitable ways to create online cash is by creating a product that others are happy to pay for.

Product creation is legitimate method of generating money through internet marketing but many entrepreneurs get it wrong. They start by imitating their Internet marketing gurus by creating information products on Internet marketing in hopes of getting rich the way their heroes did. The problem is that they usually don’t know what they are doing and enter a highly competitive niche with very little marketing experience or connections.

Here are a few tips for effective product creation that may help you get on the right track:
Start by finding a profitable niche with low to moderate competition. If you conduct some rudimentary market research and keyword research, you’ll find many opportunities in areas that will surprise you. Amazon and eBay are two great places to brainstorm for product ideas.

Developing Your Product does not have to be a difficult project. You can find experts in the right field for your niche and pay them to write the material while an artist designs the packaging and website or blog. You can outsource the entire product creation part of the project after you conduct the research and testing to ensure profitability.

Sales and marketing strategies should be created while developing the product and learning about the market. Some experienced marketers use pay per click to drive traffic to their offer page; some folks outsource the entire marketing campaign to affiliates through ClickBank or other affiliate programs.

Product creation does not need to be hard, particularly when the merchandise is electronic. E-books, videos, audio and multi-media products sell very well. They are distributed immediately to customers electronically. Once you have a good feel for a niche market, try to service your customers with associated products and upgrades. If you want to earn money online through product creation, you must understand supply and demand. The majority of new online marketers fail miserably because they go after highly competitive markets or forget to research their chosen niche properly. You have to create your products according to the needs, wants and desires of the prospective customers.