Publishing Alternative to Rejection Letters

Over the past two decade I have produced and printed books for The Los Angeles Times, Simon & Schuster and Random House and still enjoy relationships with a number of friends at these publishing houses.

I am therefore well aware of the horror stories on the street about what is being called Black Wednesday a few months ago when three dozen people on the editorial staff were handed their pink slips at Simon & Schuster after decades of loyal service.Like most avalanches the process continues to bury hundreds of employees as the head rolling process of downsizing is taking its toll.This is just the beginning of what might be another major industry in this country headed for bankruptcy, hard times and a Washington bailout.

The week before Black Wednesday, Houghton Mifflin Harcourt, a publishing house made up of two previously independent publishers, including the very successful Harcourt, Brace Jovanovich, decided in November, 2008 to freeze acquisitions and has told it editors to stop buying books.Since November the staff at Houghton Mifflin was decimated as their publisher resigned, surely in protest?I have been in the printing and publishing industries for over 40 years and I have never heard of such an edict.There were always those temporary cut backs, but never a public policy of NO MORE BOOKS.Such events at major publishers should give the readers of this article great pause, especially if you are thinking your manuscript has a prayer today of being published by a major publisher.Self publishing or independent may be your only alternative.

The days of the bloated and over extended conglomerate are over which can be said of hundreds of American companies in this economic meltdown.It is not merely a fact that books are not selling; bookstores across the country are returning books to the publishers at an alarming rate.

In my earlier blog I wrote about the return policy of bookstores and the lack of obligation to the publisher and their authors of returned copies without penalties, a stupid policy endorsed by the entire publishing industry.Last year 26.3 percent of the billion or more books sold in the U.S.were returned to bookstores.The phrase Let Them Eat Cake attributed to Marie Antoinette, seems fitting here, I hope the publishers choke on them as these returned books come right out of the hide of the authors who have been promised a golden dream that quickly turns into a tarnished nightmare.

A few years back I produced and printed Witness to War: Images of the Persian Gulf War for the Los Angeles Times, a book which won a Pulitzer.I produced a number of books for the Times including ConArtist, the 30 year anniversary book for political cartoonist, Paul Conrad, Dining Out in Orange County by Max Jacobson their food critic, The Los Angeles Riots, The Los Angeles Earthquake, and 30 Years of Recipe Request by Rose Dosti.

In 2001, I suspected all was not well in the newspaper business when the Times cut off nearly half of its staff and enticed another 10 percent of its staff to take early retirement with handsome bonuses, but that has proven inadequate today as its parent company filed for bankruptcy.Dorothy Chandler, who built the Times Mirror Empire and the famous Music Center in Los Angeles is surely rolling over in her grave.

But let us take a close look at how major publishers treat authors.If you are fortunate enough to get your manuscript accepted and even more fortunate to receive an advance on your royalties, the publisher most likely will insist that you use that advance to hire a publicist or public relations firm to promote your title before it hits the bookstores.It takes a major publisher at least 12 to 14 months to get a book to market and if they feel you have not gotten enough interest in your title they may decide at the 12th hour not to publish placing you, the author, in a catch22.If you have spent the advance or if the publisher is so magnanimous as to let you keep what is left, under most contracts the publisher will own the rights to your property preventing you from taking your manuscript to another publisher.

Since the word depression creeps into most conversations these days I am reminded that books did very well during that economic crisis of the 1930s as did the ten cent movie and the sleazy dime novel as these were about the only escapism available at the time.

Last week my wife and I decided to go to see the movie, Doubt.With tickets costing $12 each and popcorn and a Coke another $10, I wonder how many Americans these days will be willing, much less able to afford the luxury of $44 for an evening at the movies?

As the actors contemplate a strike to further destroy the local film industry in Los Angeles, the Motion Picture and Television Fund and Hospital have just announced that they will move 100 of their residents to other local nursing homes, layoff 300 employees, about a third of their staff, and close this famous retirement home of the stars by the end of 2009.As the very rich reel from the Madoff $50 billion rip off our movie stars will no longer have a place to crash in old age.Apparently, we all need to look for alternative ways to survive this meltdown, even in publishing.

So polish up that manuscript...there is still hope for that book you want to write and publish.Looks like reading may come back in style?

About the Author

William Dorich is the author of 7 books including his newest, Defeat Foreclosure and The Nursing Home Crisis.

A pioneer in self and independent publishing he has published 130 title including Witness to War for the Los Angeles Times which won a Pulitzer.See: http://www.gmbooks.com

Relaited Links:

• How Many People Work behind Overnight Shipping?
• Why Most People Will Never Ever Get Rich - 2009 Tips and Solutions - Hurrah?
• Health Insurance Fraud, Its A Danger

How To Avoid Being Targeted By The IRS In Your Home-Based Business!

If you run a home-based business, you might be confused about what you can and cannot deduct as reasonable expenses.Some home-based businesses make critical mistakes and are red-flagged by the Internal revenue service.However, with a little guidance, you can start a business that will stay under the radar and keep you out of hot water:

Understand home office deductions.

While you don't have to have a separate room as a home office, the area you use must be used exclusively for conducting business.This includes a place where you meet clients, patients, or customers.You can also claim a home office deduction if you store inventory for your business.In the strictest sense of the word, a home office cannot include personal items, such as personal mail, your children's toys, etc.

Incorporate your business.The IRS keeps an eye on home-based businesses.In fact, sole proprietorships, especially those that are home based business owners, are more frequently audited than corporations.One tactic that you can use to decrease your chance of an audit is to incorporate (form an LLC or corporation) your business.Incorporated businesses are audited far less frequently than home-based businesses.The IRS is more likely to question deductions in a home environment than a corporate setting.

Keep separate bank accounts for personal and business use.One of the biggest mistakes that small businesses make is to combine both personal and business expenses.Keep separate accounts for personal and business use.In case of an audit, it's much easier to refer to an account that is used for one purpose than to wade through 12 months of personal and business expenses and attempt to separate them.

Deductions should be reasonable for your business.Avoid extravagant deductions.Another red flag for you home business is when the deductions are high in comparison to your income or the industry norm.Obviously, you'll have deductions, but over-the-top claims will catch the eye of the IRS.If you have large deductions, keep the proof on file for at least three years.

Use specific amounts.Most costs don't end in rounded numbers.Be specific.Rounded numbers imply estimates, and this could flag your business for an audit.Also, if you believe that a deduction will flag you for an audit, attach proof to substantiate your claim.

File online.Math errors are another audit magnet.While one small error probably won't create a problem, multiple errors will most likely bring attention to your business.When you file online, the software will do the math for you, eliminating the margin of error.

Don't underreport earnings.Keep in mind that in this technological age, the IRS can easily find your earnings.Don't be tempted to underreport your income, or you could find yourself at the losing end of an audit.

Run your business like a business, not a hobby!Use some type of accounting software to track your monthly revenue and expenses so you can track your profit and loss.Running your business based upon your online checking account balance and 'let's just see how it goes,' sounds more like a hobby to the IRS vs.a real business.

Operating a home-based venture is a rewarding experience and doesn't have to create IRS headaches.Know the tax laws, keep good records, and your home business will thrive.For more information about what you can and cannot deduct as a business expense, go to the Internal Revenue website and download Publication 587: Business Use of Your Home.

About the Author

Scott Letourneau is the CEO of Fast Business credit, Inc.

and has a valuable free guide to help small business owners get access to capital plus a new program to help business owners understand the importance of credit!Go to our Business Credit Program page for powerful details!

Relaited Links:

• Be Flexible In Your Customer Service
• How To Pursue Financial Happiness
• Don't Take Wordtracker At Face Value, But Use It Anyway

Small Business Coaches Are Masters of the Business Succession Planning Process

Whether we are planning for the future of a business or planning our next road trip, to get somewhere we have to know where are right now and where we're going, before we can determine which way is the best for us to go right now.And we have to get agreement on where things stand today and agreement on the ultimate destination, before everyone will buy in to the travel itinerary.

Small business coaches can help you eliminate the frustrations and disagreements that often result from a lack of shared goals.They do this by helping to uncover the hidden agendas and secret desires of the participants.The result is a sense of common purpose and direction that solves the typical situation where there are arguments from different perspectives.

Often individuals are saying one thing and meaning another, not realizing that they really do agree with one another's point of view in principle.More often than not it is managing agreement that is the biggest challenge.People wanting the same outcome just expressing it differently and not listening to one another.

Surfacing agreement is one key role played by small business coaches, especially those elusive matters that have previously been difficult to discuss.This is particularly important when an individual might believe an issue is unresolved when it has in fact been settled and vice versa.Helping to uncover specific issues that need to be addressed and providing a suitable forum where individuals can express their concerns are principle benefits of engaging a business coach.

The questions are critical to understanding the status of the succession planning process.Their answers become an important ingredient to be added to the mix by the person who is responsible for managing the planning process - information your traditional advisors will find useful if not critical if they are to create the documents that convert your desires into facts.

Their purpose of to identify the owners and the shareholders goals, to help make everyone involved with the business aware of the typical planning goals in a business like this, to encourage individuals to think through their goals and set some priorities - it's going to be impossible for everybody's goals to be met 100% of the way - so having priorities identified will be very important when it comes time to negotiate.

Small business coaches provide a focus for current and continuing discussions.Discussions that get a sense of the problems and challenges the individuals involved see for the present and the future.While many problems are common to family owned businesses, each business and each family is, in fact unique.

The answers can serve as a measure of how much has been done, and how much still needs to be done in the planning process.They provide an excellent picture of where you are today and the information is important to your advisors and your planning coordinator.

What most closely describes your agreement or disagreement on each of the following statements?

We have heirs who are strongly committed to continuing to manage our business.Since the long term financial and personal success of everyone is tied to the future of the business, knowing that the next generation of owner operators in on board is critical information.If they are not interested, not capable, or not willing under the circumstances to take over the business going forward, it's important to know it as soon as possible so other options can be explored.

In our estate plan, our personal objectives, feelings, and concerns have been given equal weight with tax consequences.We have written documents in place that deal with the future management and continuation of the business.The owner's spouse understands the important provisions of the estate plan.The answers to these questions will also determine how issues of "fair vs equal" among the heirs have been handled.And it will be possible for the advisors to determine the price tag the successors will be responsible for - where the money is going to come from to pay it, etc.

We have qualified advisors helping us with our estate planning.We have reviewed the provisions of the estate plan with the person who will be executor.It's important to recognize, whether you are a member of the senior generation, the successor generation - or if you are the business coach, that lawyers and accountants have strict codes of ethics they must follow.

If the lawyer is dad's attorney, who is being represented here?If the accountant is the business accountant, who is he or she beholding to?Should everyone get a lawyer?How can the interest of each group be protected within the bounds of professional responsibility each professional brings to the table?

Who better to help sort this out before it becomes a disagreement, a fear of favoritism is expressed by some, concern about being slighted is present in the minds of some, or some people are really mad and ready to sue because they feel they were taken advantage of?

Who you gonna call?A confident successful business coach of course.Small business coaches are emotionally unattached from the businesses they deal with, they can actually recognize difficulties more clearly, and they are governed by the agreement you and they are party to that defines their relationship with you and your family business.

About the Author

Successful business owners understand the importance of developing relationships with competent professional advisers who will work together as a team to insure their long term success.

They also realize the valuable impact that business coaches have on them and their business, sorting out what's important and then working seamlessly with their traditional advisors.

Relaited Links:

• It Has To Be Mortgage Payment Protection Insurance
• Planning Your List of Wholesale Video Games Goals: January 2009 is History!
• Starting Your Online Travel Career

In Tough Times Commercial Real Estate Borrowers Go Beyond Big Banks

By now we all know that the financial meltdown of 2008 has had a major negative impact on the banking industry around the world.Even usually rock solid commercial real estate has suffered because banks who are fighting for their lives have tightened the strings considerably.

Traditionally big banks have relied on commercial finance as one of their most profitable areas.That is because larger commercial projects have been seen as more reliably and objectively evaluated and risks more easily quantified than is the case with smaller projects.

Near the beginning of the downturn in the domestic real estate market in 2008, commercial real estate projects continued to find favor with the big banks.Commercial real estate loans were seen as a safer investment for companies with large capital reserves.As a result the commercial market continued to grow even as single family homes sales were plummeting.

In order to understand what is currently happening in the commercial real estate sector it is important to note the differences between commercial financing and residential financing.While they both involve an advance of funds based on the value of the properties involved, there are some significant differences in the way the risk is evaluated.

We all know that the collapse of the residential sector was brought on by mortgage companies making far too many irresponsible loans to people who could ultimately not afford them.The residential mortgage system came tumbling down like a house of cards when mortgages had to be renewed at amounts greater than the value of the houses, and at rates people could simply not afford to pay.Many of those people did the rational thing and walked away from their homes.

In several important respects commercial real estate loans are different.Most residential real estate loans are limited to several hundred thousand dollars.Commercial real estate loans on the other hand are usually for millions.Some commercial loans even reach into the billions.

While it is true that a bank or investment company is risking more on a commercial project, commercial lending is still seen as a safer investment.For the most part, the criteria for commercial loans are very stringent.Commercial borrowers are typically required to provide a substantial amount of collateral and must present accountant verified assets and income statements.This allows the lender to make an informed decision on a borrower's credit worthiness.

Because commercial products involve larger sums of money, the perception has been that smaller institutions cannot compete with large banks.But the events of 2008, and the adjustments that most big banks are having to make are having an interesting impact on commercial lending.

Big banks with extensive exposure to real estate markets are pruning marginal accounts in an attempt to limit their exposure to the sector as a whole.Whether this makes sense of not, it is typically what big banks do.In many cases whether a commercial deal looks good or not it will not go ahead with a large bank because they have decided their exposure in that sector is already too high.

This creates opportunities for small banks, lending institutions and brokers with connections to alternative sources of funding.These smaller lenders are not overexposed to the commercial real estate market, and are often willing to consider good deals that the large banks no longer find attractive.

About the Author

For commercial financing and commercial real estate lending see East Coast Commercial finance.

See some our custom tailored commercial real estate options.

Relaited Links:

• Could Buddhism Teach You Something About Trading And Investing?
• Coupon Clubs are Changing the Way Americans Feel About Coupons
• Tips for a Business Subject Research

How Would You Like To Make Money From Your Blog?

Making money online is one of the easiest things in my opinion but then again I probably think that because I'm doing it and have been for a very long time.Over the last few years I have learned some really incredible tips to making money and I wanted to share one of those with you today; blogging.Now I know it may seem a little weird getting paid to blog but it's actually quite easy and you can earn money several different ways, we will also be going over that as well!Now with blogging, you won't make millions and be able to retire to the Keys or anything like that but you could make a lucrative amount of money, even residual.And with anything else online or from home, it's always good to have several different things that you do in order to make money so you have something to fall back on!

CPM ads -
CPM means views per million but its actually views per thousands.
You can actually put banners and ads on your website blog and earn per 1000 views that you get.These companies will pay you the money for the views and they usually start at around 50cents on up to $3.So let's say you get 10,000 views on ONE banner that would be $30.Not very much right?But what if you have five or more banners and you also do the things I'm about to tell you below?Then you could make a legitimate amount of money very quickly through just the visitors on your website as long as you follow the rules of the CPM site.

Blogging for companies -
This might seem a little unrealistic but it's really not.
Companies like 1-800-Floral actually want you to advertise them on your blog and write about them.I did one a few months back that was really fun because it was for a very well-known gift basket company and I got paid $30 for a 600 word blog about them.Of course you have to do whatever the company asks you to do such as add links and pictures but hey you get $30 what do you care?!?Plus the companies that want you to write for them are companies that sell stuff that would be relevant to your website.Mine was about cooking and food and wine so they gave me the gift basket one!You could also earn some good money from this as well depending on how many they gave you, how many you accepted and how many you could do in a given month.

Adsense -
This is a fantastic option for people that have websites and that can control the information and banners that they put on their websites.
You can usually do this with any blogging site you join up with such as Blogger, Squidoo and Word press.You simply place google adsense ads on your site (they are relevant to your site) and when people click on the ads you get paid X amount of percentage per click.It's important to really follow the rules for adsense though because you can get deleted or banned very easily!There are people however, that are literally making thousands of dollars from just adsense!

Sponsors -
Sponsor Ads - sell special spaces for sponsors.
Let them be able to put a banner or text link on your site.One main thing you need to be concerned with something like this is that you will need to have a substantial amount of visitors or views or the Sponsor won't want to put their ad on your site.After all they are probably doing it because they want to advertise their website or company or service so if you are only getting 100 visits a month, they probably won't want to be on your site because they won't get any promotion!

These are just a few simple ways to make money from your blog.However, if your try all of the options I listed above you should easily be able to make at least a few thousand dollars per month, every month with out fail!You could also add some other stuff such as affiliate programs you want to start to your site, affiliate links which people can click and go to your affiliate site, buy something, and you make money from it.pretty much anything you want as long as you follow the rules and TOS of the blogging site you belong to!

About the Author

This author is a HUGE fan of 3 Things To Be Aware Of In Home Based business

Relaited Links:

• Small Business Ideas to Make Money
• Business Branding In A Downwards Economy
• Don't Bite The 'Magic Bullet': Beware Of Quick Fixes If You Fall Behind On Your Mortgage

5 Tips on Attracting Customers to Your Trade Show Display

When an individual or group of individuals embarks upon any business venture, one of the most important things they have to cultivate is name recognition.Indeed, one can make the best darned cherry apple cobbler on the market today, but if no one knows about it, this fact does the magnificent pie baker very little good.

A trade show is a great place to get your name out there and establish a foothold in your chosen industry.This is an especially beneficial marketing tool if the goods you are trying to market are unique but extremely useful to the buying public.

Thing is, trade shows can draw hundreds of entrepreneurs who are trying to do the same thing as you - obtain interest in their product.

With so much competition in this varied arena, your product can end up getting lost in a sea of business enterprises.You can avoid this however, by taking a few steps towards making your trade show display eye catching and alluring.

Below are five tips you can utilize to make that happen.

1.Giveaways - Think about it.As a consumer what interests you the most?The ability to try something for free of course.To be sure, giving away samples is a great way to bring the buying public to your booth.Prize drawings and contests are also enticing as they give the consumer a promise of something in return for giving a little of their time to your sales pitch.

2.Sweeten the pot - Another thing that people cannot resist is something tasty.With this idea in mind, candy and edibles would be a welcome treat and a reason to stop by your table.If using candy, do not fill your bowl up as consumers will most likely beeline towards your table in an effort not to miss out on your free sweets.If giving away baked goods, only display a few of your wares at a time for the same reason.Be sure to keep a ready supply of the foodstuffs nearby however, for refills when reserves get low.

3.Interact and get involved - Many trade show goers sit behind their exhibit and wait for interested parties to come to them which is a mistake.People like to engage with individuals who are outgoing and fun, which is why major companies pay millions to celebrities with charismatic personas to endorse their products.If being happy go lucky just isn't in your nature, see if you can hire an attractive female model that has PR experience to address the crowd.

4.A dash of color - human beings are visual creatures, and we respond to colorful things far more often than not.This is why to adding dots of color throughout your display is a marvelous way to attract attention.Make sure to do so tastefully, as too much color can end up being confusing and distracting.A vibrant, easy to read banner or a nice, brightly colored tablecloth is a great way to add pop without being overbearing.

5.presentation boards and visuals prompts -- a wide screen monitor with a power point or slide presentation of a large presentation board can be one way to draw interested crowds towards your table.If at all possible, make the presentation interactive, for example, if utilizing PowerPoint, allow the public access to the mouse so they can move through the presentation at their own speed.If your presentation is stationary, the rule of color would definitely apply.

Above all have fun - people who appear relaxed and happy are most likely to bring interested consumers to their trade show display on a consistent basis.If this is kept up, the business will create the name recognition and appeal that is so essential in helping any new company thrive!

Manufacturer and provider of trade show exhibits and display stands for sale and display booth rental.Whether you are seeking a banner stand display or a custom trade show exhibit, consider Ballance Displays - with 25 years of trade show display experience.

About the Author

Manufacturer and provider of trade show exhibits and display stands for sale and display booth rental.

Whether you are seeking a banner stand display or a custom trade show exhibit, consider Ballance Displays - with 25 years of trade show display experience.

Relaited Links:

• Reputation Management & Arizona Auctions
• Want to Earn Or Make Online Money Quickly and Easily Today?
• What Is The Role Of Stockbroker?

Top 10 Home Based Businesses

Home based businesses are becoming a popular way for more and more people to stay at home and earn a lucrative living working for themselves.If you've always thought that you have what it takes to be your own boss and work from home but weren't quite sure what type of business or market to get into, here is a list of the top ten home based businesses today.

1.Online Business Owner: Owning an online business is a rather broad subject that you can incorporate just about any idea, skill, or interest into provided you have the knowledge to set up your own website.If HTML and web design aren't your areas of expertise, as you'll see in the number three top home based business in Canada, there are many freelancers just waiting for your business.

2.Accounting and Bookkeeping Services: Your love for numbers may be just the ticket to a bountiful home based business, and if you have tax experience, consider becoming a tax consultant or advisor.

3.Freelance Writer: With any type of business, either online or off, content is king and people will always need good, quality information for their companies.A freelance writer may create press releases, informative articles, sales letters and pages, or provide proofreading services.If you have any of these special skills, look to the web for countless opportunities in this arena.

4.Pet Based Services and Products: Imagine being able to turn your love for animals into a successful business venture.Today, Canadians are spending millions upon millions of dollars each and every year on their beloved pets, which have become more like family members, and are paying for everything from personalized care from pet sitters to pet photographers for capturing the perfect images of their pooches.

Many people are turning to pet sitters today instead of leaving their animals in kennels, either for daily care while at work or for when the family is on vacation.

5.Catering Service: Have you always been the one in the family that everyone turns to for weddings and holidays to help with the food?Do you love to bake or cook?Turn your skills and know how into a home based catering service and advertise for catering events such as weddings, graduation parties, reunions, or offer meal-by-meal service to businesses and individuals.

6.Virtual Assistant: If you're Internet savvy, have a high speed connection, a reliable computer and typing and customer service skills, consider being a virtual assistant for one or more businesses or individuals, handling all of their clerical needs online, by fax, or telephone.

7.Consulting and Planning Services: Wedding, party, and event planners are another home based business idea to consider as most people don't have time to put together these larger, more elaborate affairs that require plenty of preparation and will pay good money to those who do.

8.Cleaning Services: Busy people are everywhere and they rely on housecleaning and maid services to keep their lives neat and in order.Market your services to homeowners, business owners, or both and be sure to have references.

9.Massage Therapy: If you are skilled in massage therapy, consider starting your own business offering therapeutic massage, or offer aromatherapy or other forms of alternative practices as well.

10.Caregivers: Whether it's for the elderly or for children and infants, skilled and reliable caregivers are in demand, especially if your prices are competitive with the local daycare centers.If you have the space and meet the requirements, open your own center at home, or make personalized visits to different clients.

About the Author

Chris Simpson is dedicated to helping people find honest and legitimate work online to include home based business opportunities.

Find legitimate paid surveys and many other great opportunities to make money online today at: www.HomeNetPro.com

Relaited Links:

• Planning Your List of Wholesale Video Games Goals: January 2009 is History!
• Niche Marketing - A Discussion Of Its Importance
• Are You Investing In Your Business

Internet Job Ideas For College Students

We know that college is expensive and even more so with today's economy.If you are looking for ways to make some money while attending classes here is some information for you we hope you find useful.

Internet Marketing

Internet marketing is a business students can start with very little money.

It can range from selling things you have produced yourself as a hobby or by promoting items or services for businesses already established.With internet access you can market just about anything from your dorm room.

Other things you can do are market your own computer-related abilities.You could offer web design or graphic design as a service that could bring in more of a cash flow.You may want to facilitate payment for your services by creating an account with PayPal in order to be able to accept credit card payments.

Paid Online Surveys

You have surely seen advertisements on the internet for businesses who offer paid online surveys.

By doing a simple online search you are sure to find very good survey sites.Just take a few minutes to sign up for a few of these sites and you will be well on your way to making some money without having to leave your dorm room.

Some survey companies have in excess of 300 different clients for whom they provide surveys and you are bound to find several that can peak your interest.

Affiliate Marketing

Many companies offer an affiliate program from which you can add to your cash flow.

Simply by signing up online, you can make a percentage of sales every time you refer your family and friends to purchase the product, or by promoting it on your personal or business webpage.

There are possibilities out there that could potentially earn an affiliate commission between 10-50%.Often these top companies will provide you with ready-to-use marketing material or free products in order for your marketing to be accurate and effective.

Work At Home Data Entry

With very little computer knowledge, data entry work at home is still a simple way to earn that extra money you need to cover your expenses while in college.

Most companies will let you know what you will need to do to complete these jobs.

Most often companies are searching for people to advertise for them by filling out online forms.There are excellent training programs out there for a minimal fee that will show you exactly how to do this as well as tell you which companies to work for that do legitimately pay.

Computer Tutoring and Support

Advertising on school bulletin boards is another good way to add to your pocketbook while helping out a fellow student who is not as knowledgeable about computers as yourself.

A listing of areas you are comfortable with and able to explain to someone else, along with your phone or dorm room number may have people lining up for your help.

By charging a reasonable fee you could be one of those students others will turn to when they are in doubt about their computer knowledge.

You might even consider creating a small 'how to' booklet that you can charge a small fee for that will get the attention of more that just a few people on campus.Just be sure to strategically place them in common areas and not simply on your floor of the dorm.

In no time you can add more spending money to your pockets, just by using your computer skills and creativity.

About the Author

Chris Simpson is dedicated to helping people find honest and legitimate work at home jobs and home based business ideas.

See my top 10 work at home jobs today and learn how to make money online at: http://www.HomeNetPro.com

Relaited Links:

• How to Stop Turnover
• Rate Your Chances Of Obtaining Credit
• 5 Pitfalls That Can Ruin Your Retirement!

Individual Dental Insurance Plan - Reduce Fee Dental Insurance

If you would want a more affordable dental insurance coverage, you can always go for the reduce fee dental insurance coverage plan.Such coverage however will also be on a reduce coverage basis, which would correspond to the plan.These plans are designed to give the most affordable kind of a dental insurance coverage possible.Since the insurance cost is very low, it will only cover the very basic dental service available and nothing else.This plan is most suited if you cannot afford the more costly standard dental insurance.

If you are a new employee in a company and would like to avail of the lowest dental care insurance possible since your pay is still in the lowest pay scale, you can choose for yourself a reduce fee dental insurance policy from your company.On the other hand, if you happen to be self employed, you may opt for reduce fee dental insurance policies that you can avail of from your City dental health department.

In applying for this type of insurance, there are certain requirements needed, like your annual income tax, the size of your family and other information that might be needed by the dental health department of your City.If your information falls within their guidelines then you will be considered for this type of insurance

Discount insurance companies will be another option for you to consider in looking for reduce fee dental insurance coverage.

There are many discount insurance companies that can offer you this low cost coverage.You can select from their many offers that are all considered as the lowest priced insurance coverage that you can possibly get.

Low cost insurance is the specialty of discount insurance companies.They are a different breed of insurers.Their agents prowls housing tenements selling the most affordable insurance while agents of the more known insurance companies would tend to visit the condos and villas of the affluent selling high end insurances.

The need for such a low priced insurance plan by many low paid employees has however been used by many scammers to conduct their illegal activities of fooling many of these poor people.The more gullible persons would often times find themselves losing out several dollars in their desire to have a very low prized type of insurance that their low pay can afford.

For your protection, if an agent approach you or your family for a low cost insurance coverage, what you have to do is get their name and the insurance agency that they are connected with and let them come back the following day as you will still have to check their validity as agent of insurance companies that they are alleging they are connected with.If they are fake, then they wont come back to your place anymore.But if they do come back, it simply means that they are valid agents of said insurance agency.

If you have the time, you can search the internet for discount insurance companies.There are discount companies that have their own website where you can get to see and learn all about their lowest priced reduce fee dental insurance coverage that they offer the public.

Look for a company that has an office near your place and you can pay them a visit and inquire from them all about those very low priced reduce fee dental insurance offers that they have.When you inquire about their offers, make sure that you ask about the specific coverage that their insurance can give you and its limitation.You can then proceed to apply for a reduce fee dental insurance coverage.

About the Author

Uncover the free resources on dental care for people with no insurance as well as dental plans for individuals when you visit http://www.

dentalcontract.com, the online free resources on affordable dental health plan.

Relaited Links:

• How to Choose the Best Phoenix Office Space Designer
• Are You Looking For Some Daycare Center Ideas
• Small Business Ideas to Make Money