Juicy Words

Some Ideas For a Cheap Wedding

Want to save money for your wedding? Here are some ideas for a cheap wedding.

If you hire an event coordinator for your wedding planning and execution, you will save time and thus money by selecting from his/her recommendations of experienced vendors and ways to save. Most specialize in cutting costs.

Learn how to do your make-up well in advance of the event date and complete your own prior to putting on your gown.

If you select “in-season” flowers for your bouquets and décor, you can save a third of the costs.

Let the bridesmaids carry one long-stemmed flower keyed into your wedding bouquet.

If you use mirror rounds under the flowers, you’ll expand their appearance on tables. Expand the flowers for your table décor with 2/3 greenery to 1/3 flowers.

Purchase a cheap or less expensive plain white dress and buy the applicas at a yardage shop by the yard to enhance the dress with simple stitches. This can change a $400. dress into a $4,000. dress quickly.

If you want to save on event location fees, you can hold your event mid-week or on a Friday or Sunday instead of Saturday.
You can save money by taking advantage of wine sales the months prior to the wedding day.

There are some tux formalwear companies that give the tux free for the groom when they bring four or more men in to be fitted for a wedding. Try to find such a company.

Go to discount houses and see if you can find decent wedding and attendant dresses. You can save much money this way.

If you let the photographer shoot only the formal shots and have a qualified friend take the rest of the day with a high resolution camera, you can save money.

A Band or a DJ is often countered with “a D.J. is only one or two meals extra, but a band can be 5 or 10 meals.” Negotiate to not feed the band a full meal, but a nice boxed lunch. Maybe they’ll agree so that you can save money.

If possible, shop for a specific price per slice on your cake. This can range from $3. to $9. per slice.

Don’t pay money for everything. When evaluating the funds available for the wedding and reception, take into consideration the people in your circle of family and friends who can do the vendor work as part of their gift to you.

Terje Brooks Ellingsen is an internet publisher. His website The-Wedding-Site.net offers valuable free information for all who are planning a wedding or interested in wedding issues, for example wedding products. Check out The-Wedding-Site now.

How To Improve Your Selling Skills — With Coaching Skills

But people love being coached. It’s respectful and considerate of their needs. it helps them focus on what is right for them. In fact, it’s all about them - the client. It doesn’t matter to you if you make a sale or not, and they appreciate that… in fact, they just may buy something from you after all… you’re so ‘nice’ and honest!

The days of the old-fashioned salesman/woman have long gone. For many in the sales profession, they know what not to do, but they aren’t quite sure about what they should be doing. And the answer is quite simple… learn and apply coaching skills to your selling situations.

H.R. professionals and Managers are embracing coaching skills now because they realize this is the best way to deal effectively and successfully with all types of people. It entails a special honesty and openness that up until very recent times, was not a reputation the sales profession enjoyed. One of the wonderful things about coaching is that it can be applied to anybody in any situation with remarkable results. The reason it works is quite simple. People like to feel respected and honored as intelligent and worthwhile beings. They like to be listened to and understood. They like others to be honest with them and not manipulate them. When you make somebody feel this way, it is very interesting to see how cooperative they become.

As a Sales “coach”, instead of worrying about closing the sale, you can relax and coach people into a sale. Instead of struggling with resistant prospects, you can coach them into doing the right thing for you and for them. Once you cease to be pushy, people cease to resist. When coaching a client, rather than selling to them, you listen to what they have to say, and by listening very closely to everything they say rather than thinking about what you will say next, you can learn if they are likely to be a fit for whatever you are selling and how best your product or service may serve them. You will learn what their objections are and whether they are reasonable or something that can be overcome. This process is a gentle, friendly and polite way to do business and it is one to which more people respond favorably.

In essence, people come to see you more as a trustworthy advisor rather than somebody with ulterior motives and your eye on their wallet. Leave your sales pitch in your briefcase… when coaching your customer you start with questions, and then listen very carefully to the answers. Don’t speak to them like you would to a ten year old or somebody whose mother language is anything but English. Speak to them as you would to friends. You don’t push it if your customer seems anxious to get away. Maybe they are busy and your timing is bad.

When you have listened and learned about your prospective customer’s needs and situation, you are in a position to know whether what you can offer will be of real benefit to them. Don’t try and recite the sales brochure, just select a few things about what you can offer that apply to their situation. If you were listening closely to them, this part will be easy. Then invite them to take the next step, and don’t get anxious at the last minute and resort to hard sales techniques from yester-year in an attempt to close the sale. Leave the ball in the customer’s court. Establish your integrity and sincerity first. You have to “sell” the person on YOU first, before you can sell them on your product or service. And it’s important to note that people can spot a phony a mile a way. It’s better to leave your card, a brochure and other pertinent details with them and invite them to call you at any time, no obligation, if they’d like further information, than undo all your efforts by trying to close the sale with the old traditional methods and risk losing them even as a future customer.

A not so obvious benefit of this approach is even if this customer isn’t interested, they may know somebody else who would be. Word of mouth referrals are powerful. Never forget that every prospective customer to whom you speak may be able to bring more business your way. What would you like them to say to their friends about you and your product?

So don’t think of yourself as a salesperson in the future… think of yourself as a friendly and trusted advisor, who just so happens to have a particular brand or service he recommends. Never run down your competition. In fact, if you believe your client would be best served by another company’s product, you can earn valuable points by telling them about it.

It sounds easy, but when it comes to putting it into practice, these skills do not necessarily come naturally to everybody. But there is no need to despair. There are some excellent training programs around - there are some duds too. It pays to do your research when looking for training. Or if time and money is an issue, you can invest in a home-study coaching kit and learn these skills in your own time. Click here to view information on one of these kits. http://www.terrilevine.com/Kits.html

It doesn’t really matter which method you choose to upgrade your skills, just as long as you do upgrade. “Selling” is so “yesterday” and your customers are much more wiser and savvy than they used to be.

The Coaching Kit includes:

Coach Training Guidebook $495
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Audio Pack

Coaching for Fun and Profit
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How to Start a Coaching Business from Scratch
with Terri Levine

Expand Your Coaching Business
with Terri Levine

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Tuning In
1 Full Length Video $25
Coaching for an Extraordinary Life Book- autographed $15
Work Yourself Happy Book
autographed
(An Amazon best seller in 2002) $15
Resource Guide:
How to Get New Clients Fast $79
One Marketing Plan Critique $1,250
Success Strategies from Terri Levine (downloadable PDF format). This is chock full of marketing and practice building tips for you to implement for success and comes with a full year of unlimited email consulting. Send any questions you have about implementing these strategies and you will get personalized email support. $299
One Critique of all marketing materials
(business card, letterhead, logo, business name, brochure, mailers, web site) $500
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PLUS, you get Terri’s money-back guarantee: There’s absolutely no way I can lose because my investment of $897 is completely protected by your highly unusual and daring “100% We’ll Buy It Back Plus a $50 Penalty To Boot Guarantee”. I’ve got 12 full months to check out everything and try it all out for myself. And if for any reason I don’t feel I’m learning the coaching skills - I can just send back all the material for a prompt and courteous refund. No games. No tricks. I get every penny back (less shipping). Plus, if I show you that I actually tried to get clients and start a coaching business and I didn’t succeed you’ll pay me a $50 penalty for wasting my time!

“Terri is the only one I know who built her business fast, easy and to such profits. Her kit is what every coach needs.” ~ Alinda Vasquez

Written by Terri Levine, MCC, PCC, MS, CCC-SLP, the CEO of Coaching Instruction.com, popular Master Certified personal and business Coach, sought after Public Speaker, and Author of bestsellers, “Stop Managing, Start Coaching”, “Work Yourself Happy”, “Coaching for an Extraordinary Life” and “Create Your Ideal Body”. She can be contacted via the web site http://www.TerriLevine.com or http://www.salescoachtraining.com, or by telephone: 215-699-4949.

Refinance Mortgage Loans - Get Out of Debt

Eliminating debts is a difficult task. Depending on the amount of debt a person has acquired, eliminating the debts may take several years. Still, homeowners should not give up on their goal of living debt free. Rather, it may help to explore other debt elimination strategies. If you own a home, one such strategy could entail obtaining a mortgage refinancing, and using money from your equity to payoff debts.

Understanding Mortgage Refinancing

The concept of refinancing is very simple. In fact, the process is the same as applying for the original loan. Homeowners must choose a mortgage lender, either the same lender or a different one. Complete an application, wait for approval, and attend a loan closing. Because refinancing creates a new loan, buyers must re-qualify. Most homeowners will qualify for a refinancing. If the home has gained equity, others will also qualify for a cash-out option.

What is a Cash-Out Refi Loan?

Refinancing a mortgage loan and acquiring cash at closing occurs when a homeowner chooses to borrow money from their equity. The amount a borrower can receive depends on the equity amount, and their income. For example, if the current mortgage balance is $100,000, and the property is appraised at $140,000, the homeowner may qualify for up to $40,000 with a cash-out option. Thus, the new mortgage balance will increase.

Disadvantages of Mortgage Refinancing

Even though refinancing has several benefits, there are certain risks associated with this option. For example, because of rising property values, many homeowners are borrowing money against their equity. While ideal for paying off debts and making home improvements, borrowing from the equity can be dangerous if house values decline. In this case, the mortgage balance may exceed market value, which could make selling the property difficult.

Additionally, homeowners are required to pay closing or settlement fees when refinancing their home loans. If refinancing for a lower interest rate, the monthly savings may not be worth the expense of refinancing. Homeowners can minimize costs by refinancing with the same mortgage lender. As a tactic for retaining customers, the lender may be willing to waive certain fees. Here is a list of recommended Mortgage Refinancing Lenders online. It’s important to use a reputable lender online to make sure your personal information is secure.

A Guide to Finding Fast Homeowner Loans

Sometimes finding fast homeowner loans can seem impossible… no matter what you do, it seems like traditional lenders such as banks and finance companies take way too long to process loan applications.

Fast homeowner loans can be had, however… the hardest part is finding out where to look.

Of course, the best part is that because of how the loan is structured, even people with less than perfect credit can qualify for fast homeowner loans provided they have enough equity in their home.

If you’re not exactly sure what equity is, or how it’s used for these loans, then read on… everything will be explained so that you can be on your way to getting the loan that you need quickly.

The structure of the loan

Fast homeowner loans work on a fairly simple principle… the equity in your home or real estate is used as collateral to secure and guarantee the loan.

What this means is that the equity (which is a term used to denote the amount of the mortgage that you have paid in comparison to the total amount of the mortgage) that you have in your house is used by the bank or lender to ensure that they get their money back even if you are unable to repay the loan.

The more equity that you have in your house, the more the house is worth to the lender… which means that you’ll be eligible for larger fast homeowner loans.

The main problem is that some banks and traditional lenders can take days or even weeks to determine exactly how much you’re eligible to borrow, and whether you’re approved for the amount that you request… days and weeks that you might not have if you’re in the market for fast homeowner loans. Luckily, there is an alternative that tends to be much faster.

The online revolution

More and more people are turning to online lending services for fast homeowner loans.

In addition to the convenience of being able to access a website to research and apply for a loan from your own home 24 hours a day, online lenders tend to offer competitive (if not lower) rates to most banks and traditional lenders and tend to process applications for fast homeowner loans much faster than many other lenders.

Online lending services usually have lower overhead than their real-world counterparts, which means that they’re able to keep their rates low… and since they’re based on informational websites, much of the loan research that you might want to do is easily accessible.

It’s still a good idea to take some time and compare rate quotes from several lenders (both online and in the physical world), but if time is a major issue you might be best served to investigate the options that you have available online for fast homeowner loans.

–

You may freely reprint this article provided the following author’s biography (including the live URL link) remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the www.directonlineloans.co.uk website.

Seven Tips to Maximize Savings on Prescriptions

Seven ways to Reduce Prescription Costs

1. There is a group called the Medicine Program that can help you find Pharmacies that participate in their program. Some of the discounts are significnt. Contact them to see if you fit in the program.

P.O.Box 1089, Poplar Bluff MO 63902-1089 Phone: 866.694.3893 | Fax: 573.778.1420 | help@themedicineprogram.com |themedicineprogram.com

2. If you are a veteran, you should check to see what has changed. What was not available before could be available to you now.

3. Contact “medcaresolutions.net” If you qualify for the free prescription programs, they will fill out your monthly paperwork for a small fee.

4. Ask your Doctor for samples. Sometimes they have extras they can give away.

5. Ask your Doctor if any patients have changed meds lately or if someone has passed away. Many times unused pills will be donated so they don’t go to waste.

6. When traveling, take a copy of your prescriptions with you. A Canadian Doctor will need to see it to be able to write a prescription for you. You must have a current Canadian prescription to be able to buy from a Canadian Pharmacy.

In Mexico most medications are over the counter, but there are some that require a written prescription. So just in case it is needed, bring a copy of your prescriptions with you.

7. Have your medications delivered by mail from Canada. Canadian medications are identical to American medications, the savings can be substantial and there are a number of generics there that are not available State side. You can choose quick delivery (3 - 5 days) or somewhat slower delivery (10 - 14 days)

Canadian Prescription delivery has grown very popular over the last few years and there are many reliable services available

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Field Implementation: Getting Referred Leads When Prospecting©

In our training workshops we often get questions about how to get “referred leads” so sales professional don’t have to prospect anymore. It seems as if we will go to any length to avoid having to make cold calls.

In the 28 years that I have been training sales professionals, I have seen very few who actually know how to actively pursue referred leads and even fewer who actually do.

Now when we talk about getting referred leads when making cold calls, most sales people will think I am crazy.

We I was cold calling in Houston with a salesman not long ago we got at least one referred lead from every cold call we made. Even I was amazed.

The way I do cold calls, they are simply brief calls made to meet the prospect, introduce myself and my company, get an appointment to comeback, and then get out. We are finding that many times the prospect will give you time right then. The idea behind the my prospecting system is that you should never simply drive past a good potential customer without stopping.

One of the things you find when you make cold calls on a regular basis is that you will have a lot of the prospects sit and talk with you. I am not sure why this is happening more now than before. It is either that people are getting more comfortable making the cold calls or the prospects are not being called enough and welcome the company. Either way, it is really fun to prospect in the field these days.

We were calling on people involved with quality assurance and I could see a plaque in everybody’s office indicating membership in the local chapter of their association.

One of the first prospects we called on suggested that we call on one of his friends from the association in another company. We did and got an appointment two days later which included a complete tour of their testing facilities.

Acting on that premise, everyone that we called on for that week we simply asked, “Is there anyone else that you know in this area that we might call on?” They would give us a name and I would ask if it was all right to use their name. Everyone said it was OK.

My assignment was to help the salesman develop his skill at prospecting, making cold calls. But it turned into a week of going from one cold call to referred lead, after referred lead.

This may not work in every industry, but when you call on people who have a strong tie to a common organization or association, give it a try. The secret is simple you just have to do it.

Who knows, maybe you too will get referred leads when prospecting.

Sell Well and OftenTM

Bill Truax Bill@BlitzCall.com 800-253-1214

© Copyright 2006 WJ Truax

Generational Marketing

Having run a multi-state franchise company with multiple brands it became obvious to me early on that if one were to properly respond to the needs and desires of your customer base; you must indeed, understand generational marketing. The X’ers have a completely different mindset than the “Boomers” or the “Matures.” As I thought about this I also realized that it did not matter if you business was big or small; if you were the franchisee or the franchisor. All businesses must understand who their customers are and how the think and how this relates to their buying behavior. I am going to recommend a book to you, which you should go out and read immediately:

“Rocking The Ages-The Yanelovich Report on Generational Marketing” By J. Walker Smith and Ann Clurman.

This is a great book and it should be read by everyone who owns a business; big or small. It starts out and ends with an interesting thing that happened at Playtex. You’ll have to read the book to understand. It discusses the Xers, Boomers and Matures (those citizens who grew up right after the depression. Their buying habits and thought processes that go through their heads when making a buying decision. If you will read this book now and then think about it as you watch the Olympic games and how they market TV ads, you will see the trends and the target market. You may say to yourself that was a great commercial or that commercial is stupid. Well the one that will be considered stupid to you will be absolutely brilliant to a person of another time period.

Look at the Dell commercial, “You’re getting a Dell, Dude!” this commercial as funny as it is relates to all age groups and if you read Advertising Age Magazine this quarter you will see articles which rank that ad amongst the Taco Bell Dog, Where’s the Beef, Have it Your Way, Joe Izusu, Lindsey Wagner Ford Commercials, E-Trade, and Fed Ex’s newest ads. They are playing to a whole new marketing segment. They are blending the commercials to meet all age groups. Do yourself and you business a big favor, read this book and then think on it.

“Lance Winslow” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

How Credit Cards Work

A credit card is a piece of plastic, which carries information electronically. A person can use the credit card by just swiping it on a credit card reader to send the card information to be verified. The size of the credit card is 3-1/8″ x 2-1/8″. You can use the credit card to buy products and can pay them later. That is why it is also called as electronic money.

The shiny stripe on the back of the credit card is called as magstripe, which is the main thing in the credit card. When a person swipes the credit card in the magstripe reader the information is sent to the central tracking system, which has all the information about the card owner, balance details, country, zip code etc. There are trillions of credit cards issued in the U.S. People have a minimum of 2 credit cards in their name.

With e-commerce picking up, the amount of money spent through credit card is set to rise. If credit cards are used wisely, it could be a great tool. Most of the consumers don’t use it in a correct manner and don’t pay the monthly credit card bills on time. If you don’t pay your credit card bills on time, then the interest rates will add on to the principal and the amount payable would increase. The rates of interest charged by credit card companies are very high. So, use your credit cards wisely.

Paul has been providing answers to lots of queries through his website on a wide variety of subjects ranging from satellite phones to acne. To learn more visit http://www.askaquery.com

Why You Should Take Nutritional Supplements

Few things have been as controversial as nutritional supplements have been recently. Depending on who you listen to, they are either the answer to any problem you have or they are the devil incarnate. The truth about nutritional supplements, though, is really somewhere in between.

Nutritional supplements are more widely used now than in other time in history. This is because many people have turned to nutritional supplements in order to fill the gaps in what they know to be unhealthy diets that don’t meet the minimum daily requirements for many, many necessary vitamins and minerals. Others have turned to nutritional supplements in order to enhance everything from their workout regimes to their memory and mental functions.

Considering the controversy over whether it’s safe to take nutritional supplements or not, you probably wonder just what you can really expect from taking nutritional supplements. Do they have any real benefit?

The fact is that taking nutritional supplements in their recommended dosages is extremely helpful for everyone from infants to elderly people. The methods used to grow and process our foods have changed drastically in the last 100 years. In many cases, this means that the food itself is deficient in many essential, basic vitamins and minerals.

Add that to the fact that people are so time-starved today that many of us practically live on meals out of paper bags makes taking nutritional supplements almost mandatory. Taking vitamins and other nutritional supplements is a good way to be certain you get all the proper vitamins and minerals you need daily.

However, nutritional supplements should never be used as a substitute for a good diet. Eating at least three (and many experts recommend five) well-balanced meals and two well-balanced snacks per day is still the best way to be sure you’re getting all the vitamins and minerals your body needs to stay fit and healthy. Adding nutritional supplements to good eating habits simply goes the extra mile to see that you’re getting all the nutrients that your body needs each day.

There are many high-quality multi-vitamins available at your local drugstores, as well as through many online sources. The key thing to remember when you decide to take (and you should!) nutritional supplements of any kind is to take them only as directed. Those directions are put on the bottles and packages for a reasonto ensure the vitamins and other herbal supplements are taken correctly.

This is vital for any nutritional supplement you take to be both as safe and effective as it should be. Too high doses of anything can cause side effects you aren’t expecting and don’t want. When you take more of any vitamin or nutritional supplement than the manufacturer recommends you take daily, then you run the risk of taking more than your body can effectively and safely process in a twenty-four hour period of time.

Any risk of taking too much or of unwanted side effects is slight, though, for nutritional supplements when they’re taken as directed. Even slightly higher dosages, in most cases, will have few side effects because your kidneys will flush them from your system, which keeps your body from absorbing too much of any one vitamin or mineral. Still, to be totally safe, take nutritional supplements exactly as instructed.

If you’re still uncertain as to whether you should take a nutritional supplement each day, ask for your doctor’s advice. This is particularly true if you’re on any prescribed medications. It is possible for some supplements to decrease the efficiency of some prescribed medicines and to interact with them, causing unwanted side effects. However, despite many news headlines you may have read, this is rare, especially when nutritional supplements are taken as directed.

Taken properly, nutritional supplements are an excellent way to ensure your body has all it needs to be healthy. Just be sure to use them to supplement, not substitute for, a good healthy diet.

Wesley Atkins is a fitness and nutrition coach and owner of www.nutritional-supplements-advisor.com which aims to cut through the hype of supplements and gives you the facts on each. He is also a successful author of “The Low GI Diet Breakthrough” ebook available at: www.lowgidietbreakthrough.com

FOREX Currency Systems - Four Tips to Pick a System that Makes Money

With the many FOREX currency systems available, you can in theory, simply turn your computer on and follow the signals to generate automatic profits.

That’s the theory - but the fact is, there are many FOREX currency systems sold that are obvious scams, and the systems will never work.

This article aims to give you tips on picking systems that can make money, and avoid the scams.

There are two main reasons why most FOREX currency trading systems fail to live up to their Hype:

1. Black Box Systems

These are systems where the logic is not revealed to the buyer - and for a FOREX currency trading system to be used successfully, the trader must have confidence in it.

If you don’t know the logic of the system, you will not have the confidence to follow it when a losing period occurs.

You need to follow a system rigidly to make money - otherwise you may as well not have a system in the first place.

Using a FOREX Currency trading system is all about having the discipline to follow the system - and if you don’t have confidence in the logic, you will never do this.

2. Curve Fitting and Optimization

Another indication of a currency trading system that is a scam, is one that involves curve fitting, or optimization.

These systems give a fantastic performance in back testing - because of the tweaking of the system rules, to make them fit the data, and produce profits.

A trader once likened this to shooting holes in a barn door, and then drawing circles around every hole - to make each shot look like a bull’s-eye.

Let’s face it, we would all be millionaires, if we had tomorrow’s news today - but we don’t.

Avoid any system that offers unique rules, or many variations for trading different markets.

If the system is based on solid logic - it should work on ANY trending market, and should not be optimized, or curve fitted to an individual market.

You will never see a hypothetical performance that fails!

Most unscrupulous vendors achieve great performance by making the system fit the data - and this causes the system to fail in real time trading.

Here are four tips, to help you separate out the scams, from the good FOREX currency-trading systems:

1. The Rules and Logic are Fully Explained

You will then have confidence in the system when it suffers a string of consecutive losses.

2. Some Evidence of a Real Time Track Record

Has the system has made money in the real world of trading?

This is the acid test of a system. If there is not a real record, look for a hypothetical audit done in real time - many systems do this before launching, and this gives a good indication of how the system will perform.

3. Look for Simple Systems

There is absolutely no correlation between how complicated a system is, and its profit potential. In fact, simple systems tend to work best, and will tend to be more robust in the brutal world of trading.

Most of the top FOREX currencies trading systems are based on simple logic.

4. Avoid any Optimized System

As already mentioned, if the system has sound principles, and then it should work on a broad spectrum of financial instruments - avoid any system that optimizes individual markets.

Not all FOREX currency trading systems fail - but if you want to get one that works, be realistic and do your homework first.

Most traders like the concept of FOREX currency trading systems, but like to have some input to customize the system to their specific personality. If the system offers some human input, it is easier to implement the trading system with rigid discipline - which is the key to building consistent profits.

New! A valuable FREE Currency Trader CD containing 9 critical trading reports, tips, strategies and currency trading info. Visit our web site now and grab your CD

www.tradercurrencies.com