How Do I Get A Small Business Loan?

These days, there are plenty of people who are thinking of maybe starting up their own small business - either because of layoffs, because of the difficulty in getting a job in the current job market, or simply because of a dream someone has to work for their own self - but before you can start a small business of your own, you will need a small business loan! When you know what you are doing, it is not difficult to procure a small business loan - but of course, you must first know what you are doing!

The first major step in getting a loan to start your small business is to write a detailed business plan. In this business plan, you need to make sure you project the first three years - at least - of the business you plan to start, and the plan should be as detailed as possible (including your startup expenses and your projected month-by-month profits over that span of time).

Most people naturally assume that a national bank is the best place to go in order to get their small business loan, but it can actually be more difficult these days to get a loan from a national bank because of the recession. A better method these days might be to call up the bank manager of a local bank and set up a meeting - in this way, you can make a connection with someone who is high up in the local business hierarchy and can have a better chance of procuring a loan, all at the same time.

Finally, for the bank, you will have to do your monthly debt-to-income ratio and will have to also give them a record of your last three income tax returns. After this, the bank will do a credit check on you, and then - if all goes well - they will be able to give you that small business loan you need so badly! Once you have this loan, you will be able to start your business, and then the fun parts of running your own business can begin at last!

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List building - Ad Swaps

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Ad swaps are where you send out an ad to your list promoting someone else’s squeeze page and then someone else does the same for you to their list. 

So it’s similar to solo ads except for no one is buying anything; you’re just trading off ads.

The place where everybody has moved to these days is called safe-swaps.com.

 Now people are over-mailing their lists with ad swaps. 

They’re doing way more ad swaps so they’re getting less response from the subscribers.

Retention rates are going down, click thru rates are going down, but if you still want to generate hundreds of subscribers per day, you still can do that. 

The key to profiting from ad swaps is the same key to profiting with solo ads, which is your sales funnel.  So if you’ve got a good sales funnel, you can use it for your ad swaps.Also, ad swaps are a great way to test your sales funnel before you start buying something like solo ads. You’re probably going to get less quality subscribers from ad swaps than you are solo ads, yet it’s still a good indication of whether your sales funnel will convert traffic into sales.

And that’s what’s necessary to profit with ad swaps, because you’re not promoting anything that’s going to be making money directly to your list; you’re promoting someone else’s squeeze page, so you’re relying on the traffic coming from the JV partner’s list to your sales funnel. 

 Think about how simple this business is right here. 

1. You put together a sales funnel

2. You do ad swaps every day.

3. You track your different traffic sources to see which ones—which ad swap & solo ad providers—are sending you the best quality traffic that converts into subscribers and sales

4. You test your sales funnel every day until you’re converting the maximum amount of visitors who land on your page (which List Hijack does for you). 

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Tips For Timing Your Request For A Raise

With the way that the economy is right now, many people are in a position where they feel that it would sure be nice if they could get a raise at their job - but at the same time, many of these same people are in a position where they are nervous about asking for a raise, lest this request cause their superiors at their job to look at them in a negative light. In all actuality, it is true that management expects their employees to seek raises - and when the employee in question has been doing a great job at work, this is not at all an offensive request - but even once you realize that this is the truth of the matter, it will still be important that you understand how to time your request for a raise correctly, in order to maximize the end results.

Waiting for your annual performance review is the best way to ask for a raise; you can go into the performance review, if you have been doing an excellent job at work, knowing that it is likely you will be commended for the hard work you have done; when the performance review begins to wrap up, be prepared to present your case for a raise - not only letting your boss know that you would like a raise, but also letting them know how much you feel you deserve.

On the other hand, if there is not a performance review upcoming for you, or if you work at a company that does not conduct regular performance reviews, figuring out the right time to ask for a raise can be a bit more difficult. The main thing you should realize is that you should request a raise when you are in the setting of a formal meeting; with no performance review looming on the horizon, you should request a meeting with your boss, and in this meeting you can present a clear case as to why you deserve the raise you are requesting.

And one mistake a lot of people tend to make is that they are afraid to ask for a raise - but once you get past the fear of asking for a raise, you will also need to keep yourself poignantly aware of the fact that there is a right time and a wrong time to ask for a raise, and if you realize you are approaching this at a "wrong time," you should be ready to bail and wait for another opportunity!

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