What's With MLM Home Based Business? | Simple Money Know How

Saturday, March 3rd, 2012 at 9:54 am ?

Considering an MLM home based business?

If so, it could be a very lucrative home based business option for you. But you should also know exactly whether or not what you are getting into is truly an MLM home based business or something else. It may be a scam waiting to pounce on you.

Plus, you need to weigh out the positives and negatives of an MLM home based business before you decide that if it is the right business for you.

Making sure you are actually getting involved in a legitimate MLM home based business is important to save yourself some difficulties later on.

An MLM home based business involves the direct selling of products or services through the recommendations or endorsements of independent representatives.

If you are the representative, you receive a commission on any sales that came from your endorsements.

Understand that most products sold through an MLM home-based business are not necessarily advertised through mainstream media or in stores.

The confusing part of determining if your MLM home based business is genuine can be quite difficult because of there are a number of pyramid schemes out there that are dangerously similar to a legitimate MLM home based business concepts.
Remember, a pyramid scheme is illegal, and getting involved in one can cause you more trouble than you can possibly imagine.

You will need to do your research into the MLM home based business that you are considering so that you are sure that the kind of MLM home based business you are going to run is valid and legal.

Usually if your investment is proportioned to the product or service you are selling, your MLM home based business is valid.

There are a number of advantages to having an MLM home based business.

First of all, you will be working from home where you can virtually set your own hours, which is probably why you are considering an MLM home based business in the first place.

Also, you will not have to manufacture any products, because you are usually selling things that are already made. The MLM home based business will usually come with a pre-determined marketing plan.

Many people suffer through the process of determining the most effective methods for marketing their products, but with an MLM home based business, you are relieved of that stress.
The disadvantage of having your own MLM home based business, though, depends on your personality.

If you have good leadership skills and is a self-starter, then an MLM home based business will pose a little hardship to you.

However, if recruiting and selling gives you hives, then starting and maintaining an MLM home based business may be more of a challenge, since your success depends on your ability to create a downline of recruits.

But then, having your own MLM home based business means that you can live out your dream of being your own boss and having flexibility in your work schedule.

You do not need any prior experience, and you can rely on your personality to recruit and maintain your downline. You only have to hard working and consistent in getting downlines.

Do your research to make sure your MLM home based business is a legal business. This way, you can truly enjoy the freedom and the profits that the MLM home based business offers.

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Filed under: MLM

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Source: http://simplemoneyknowhow.com/whats-with-mlm-home-based-business

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Basic Business Accounting and the Research Site - RxTi

You?ve negotiated your study budget and are feeling good about the revenue your site will earn.? But the health of your business relies on more than just potential revenue.? Below are two simple accounting concepts that will help you measure your financial performance and strengthen your cash flow.

Cash v. Accrual Accounting

Cash basis and accrual basis are two principal ways that businesses keep track of income and expenses.? The cash method is used for businesses that do not count income (like completing a trial visit) until they actually receive it and expenses are not counted until they are actually paid.? Under the accrual method, the business counts the income when a sale or service occurs and counts the expense when they receive a good or service ? and not when they literally receive or pay out the cash for those items.? An illustration we can all relate to is when a coordinator completes a trial visit, for the sake of example, on January 1.? Using accrual, the business would book the income on January 1 regardless of the payment terms stated in the contract.? Using cash, the business would record the income when the check arrived (statistically 120 days later).

Because of the payment terms in the majority of clinical trial agreements there will be times during the year, using the accrual method, that your books would show a lot of income but your bank account would not.

Now, when is that payment due?

Accounts Receivable: Aging

An A/R aging report reflects amounts due from customers and how long they have been outstanding, commonly broken down into Current, 1-30 Days Past Due, 31-60 Days Past Due, Over 60, and for the bank: 60-90 Days Past Due.? The bank will view anything beyond 90 days as uncollectible and will not count amounts due after that time as assets when determining your line of credit.

When is money ?due? on a clinical trial contract with a quarterly payment schedule?? Using again the example of a coordinator completing a visit on Jan 1, the payment is due during the month of April.? That?s right ? money you earned on Jan 1 isn?t even considered ?late? until May 1.? In 2010, 51% of all clinical trial contracts had quarterly payment terms (source: 2011 Site Solutions Summit Survey of 87 sites) with a withholding percentage in the range of 6-10% that is not paid until the end of the study.

Also in the same survey, we asked what percentage of A/R was 90+ days old.? 44% of sites reported that as much as 20% of their A/R was greater than 90 days old and the remaining 56% of sites reporting that more than 20% of their A/R was 90+ days, with a startling 14% sites reporting that over 60% of their A/R was 90+ days old.?

It should also be noted that there are no penalties for late payments in clinical trial contracts. Collecting outstanding A/R needs to be more of a priority for sites.

?

Michael Jay

Vice President, RxTi

Want to learn more about how these concepts affect your business?? Sign up for RxTi?s March 13 webinar, ?Tracking Your Receivables, Staying On Top Of Late-Paying Clients And Establishing And Communicating Collection Practices? (http://rxti.net/webinars/)

Source: http://rxti.net/blog/2012/03/01/basic-business-accounting-and-the-research-site/

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Delivery App Postmates Offers A Last-Minute Valentine?s Gift

Yes, there are going to be a lot of startups trying to capitalize on Valentine's Day. Postmates, however, has the advantage of doing something cool ? something that involves free chocolate. When the app launched last year at TechCrunch Disrupt, the coverage described it as the "Uber of packages." On its face, the comparison might sound a little silly (at least, it did to me) but in the same way that Uber works because town car drivers often have downtime, Postmates is trying to take advantage of the fact that couriers and bike messengers aren't always scheduled to make deliveries, and can instead take last-minute delivery requests via the Postmates app.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/-RUhUx4l66c/

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For Facebook, exchange choice is a matter of image (AP)

NEW YORK ? When Facebook goes public in a few months, will its stock appear on the New York Stock Exchange or the Nasdaq? Depends what its billionaire founder prefers for a backdrop ? a trading floor on Wall Street or towering video screens in Times Square.

"Basically, it depends on where Mark Zuckerberg wants to get his picture taken," says Larry Tabb, the founder of the Tabb Group, a market research and advisory company.

Beyond that, it doesn't matter much. When a company signs up with the Nasdaq, its stock still trades on the NYSE, and NYSE-listed companies trade on the Nasdaq. In fact, more NYSE-listed stocks trade on the Nasdaq than on their home exchange, according to the Nasdaq.

The obvious difference between the two is image.

Nasdaq still has the upstart reputation. The home of Apple, Amazon.com and Google came of age in the late 1990s, when day traders banked on dot-com stocks turning them into millionaires overnight.

The NYSE is the stately symbol of the financial markets at Wall and Broad streets. The exchange dates to 1792, when 24 brokers and merchants gathered to trade stocks under a sycamore tree near its present home.

Its origins can be traced back even further. Dutch merchants set up trading posts near the wooden wall built to protect New Amsterdam from outsiders and established the area as a hub of trading in furs, food and slaves.

These days, though, the din of traders yelling to each other across the trading floor has mostly been replaced with the hum of computers. The floor serves mainly as a television backdrop.

Even if there's little difference between the two exchanges, the stereotypes still seem to matter for companies going public. The three largest initial public offerings of last year and the 10 largest of all time debuted on the NYSE.

Young technology companies with quirky names still flock to the Nasdaq. Last year, the exchange signed up Zynga, maker of the games FarmVille and Words With Friends, and Yandex, an Russian Internet search provider. LinkedIn and Pandora picked the NYSE.

NYSE charges a company more up front, and its fees are mostly based on how many shares a company has trading. The initial fee runs $125,000 to $250,000. After that, annual fees range from $38,000 to as much as $500,000.

A Nasdaq listing runs $35,000 to $99,500 each year, with no separate fee for signing up. Facebook will have no problem affording either: It plans to raise $5 billion in its IPO ? an amount, incidentally, that wouldn't put it in the top 10 all-time for NYSE.

For the money, both exchanges offer similar benefits. They try to raise a company's profile through arranging conferences, lining up meetings with investors and analysts and running advertisements.

As for promotion, Nasdaq claims its MarketSite Tower next to Times Square is the world's largest stationary video screen, at seven stories high. A company that lists on the Nasdaq gets access to the tower, says Joseph Christinat, a spokesman for Nasdaq OMX.

"We can blast the entire bottom of Times Square with a company's logo," he said.

Then again, with more than one in 10 people on the planet logging on to update their status, post photos and find old friends, Facebook has little trouble getting people's attention.

Because stocks can be traded on either exchange, both NYSE and Nasdaq are bound to benefit from Facebook's debut, Tabb says.

NYSE Euronext, the parent company of the NYSE, makes roughly three-hundredths of a penny for every order of 100 stocks. More stock of a popular company translates into more fees.

Tabb estimates Facebook's stock could yield $500,000 to $1 million in trading fees each year, divvied up among the exchanges.

Picking an exchange doesn't even make a difference anymore in a company's stock ticker symbol. NYSE tickers used to have one, two or three letters, Nasdaq four or five. New rules allow either exchange to use up to five. Facebook has opted for two ? FB.

To an investor buying a stock, there's little reason to care where a decent-sized company is listed. Maybe 20 years ago it made more of a difference, says Jack Ablin, chief investment officer at Harris Private Bank in Chicago.

Back then, a company listed on the NYSE had a specialist on the floor of the exchange who kept an inventory of its stock. That inventory ensured there were shares available to buy and sell.

Nowadays, electronic trading makes it easier to match buyers and sellers. It also keeps transaction costs low. Most orders travel through a dozen or more computerized exchanges scattered across the country, each competing for transactions by offering faster execution.

"I don't see how one market is different from another these days," Ablin says. "Facebook could friend either market, and it would be pretty much the same for us."

Source: http://us.rd.yahoo.com/dailynews/rss/stocks/*http%3A//news.yahoo.com/s/ap/20120202/ap_on_re_us/us_facebook_ipo_exchange

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RV Boondocking News: Winter boondocker? Be careful on the ice

RVers who venture out in the cold are often familiar with icy driving conditions. But there's another danger afforded by ice: Winter recreation on ice. Sports like ice-fishing, skating, or walking about on a frozen pond. A few pointers can help you avoid going up the creek--even a frozen one.

"When is it safe to walk on ice?" is a $64,000 question. Sure, water freezes at 32 degrees, but that doesn't mean if the weather is below freezing that the ice is safe. The safest approach is to wait to walk on ice until after safety officials have indicated that a given body is safe. Even then, never consider the ice 100% safe. Always "partner" on the ice, never walk (skate, etc) on ice alone. Be careful around snow-covered ice, as the thickness under snow can't safely be assumed.

The Minnesota Department of Natural Resources provides these general ice thickness guidelines:

2" or less - STAY OFF
4" - Ice fishing or other activities on foot
5" - Snowmobile or ATV
8" - 12" - Car or small pickup
12" - 15" - Medium truck

These are general guidelines, there are many other factors that can make ice safe or unsafe.

What if the unthinkable happens--and someone falls through the ice? For the victim, the most important survival tactic is staying calm. Don't take time to struggle out of clothing, turn in the direction from where you wound up in the water, put your hands on an unbroken ice area, and kick your feet to try and get a push out of the water and back up on the ice. Once back up on the ice, don't try standing, roll or slide across the ice toward safety.

If you can't get back up out of the water, stay calm to conserve energy. Call for help. If you see someone fall through ice, stay back, call 911 immediately. The only safe way to try a rescue is reaching the victim with an object--not with yourself. Tree branches, oars, ski poles, even a fishing rod can extend your reach without putting you in danger of going into the drink yourself. Carrying a few safety supplies when out on the ice can be helpful. A rope or webbing that can be stowed in a pocket can be tossed out to a victim. Some wear a personal flotation device (we used to call them "life jackets") when venturing out on ice.

As heart rending as it may seem, if you can't reach the victim with what you have on hand, the best thing for all concerned is to call 911 and wait for help to arrive.

photo: New Jersey Department of Environmental Protection

Source: http://www.rvboondockingnews.com/2012/02/winter-boondocker-be-careful-on-ice.html

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Apple iPhone 4S (Verizon Wireless)

Apple just reported all-time record iPhone, iPad, and Mac sales. Surely the availability of the iPhone 4S on AT&T, Sprint, and Verizon had something to do with that. But of those three carriers, how does Verizon's phone?stack up?

Well, if you're looking for speed, AT&T's model?($199.99-$849.99, 4 stars) is the best of the three, thanks to its support for simultaneous voice and data, as well as faster 3G speeds via the carrier's HSPA+ 14.4 network. But Verizon's version is no schlub, and is definitely the carrier's best iPhone yet. So why are we rating it lower on Verizon than on Sprint? Because Verizon is making a much more aggressive push towards 4G LTE than Sprint is, and the iPhone 4S is not a 4G phone.?

Cellular Radio and Call Quality
See our review of the?iPhone 4S on Sprint?($199.99 - $849.99, 4.5 stars) for a detailed look at the phone's hardware, software, and new features. Here we're going to focus on how the phone performs on Verizon's network.

RF reception on the 4S is good, and on par with other top Verizon phones.?Call quality on is very good too. Voices sound loud, full, and clear in the phone's earpiece. Calls made with the phone can sound a bit thin, but still sharp and natural, with excellent background noise cancellation. Transmissions through the speakerphone are also clear, and fine for indoor use, but not loud enough to use outdoors.

The 4S switches between its top and bottom antennas depending on which one is receiving better signal, which means it'll ignore whichever one you're covering with your hands. This design solves the "death grip" problem on previous iPhone models. By holding the phone in a strange, two-handed grip I was able to lower data speeds, but it wasn't significant, and it wasn't the kind of grip anyone would ever use to hold or talk on a phone.

The iPhone 4S also delivers on Apple's promise of longer battery life. I got 9 hours, 22 minutes of talk time with a strong 3G signal in my tests.

Data Speeds and Conclusions
Judging from the results we collected last year in our testing for the Fastest Mobile Networks,?Verizon's LTE network is the fastest, largest 4G network in the U.S. Unfortunately, the iPhone 4S is a 3G device, so it isn't able to tap into those exceptional speeds. So if you're looking for the fastest iPhone 4S there is, you should head to AT&T, where the phone runs on the carrier's speedier HSPA+ 14.4 3G network. And if you're on Verizon and want the fastest data you can get, you should look at an LTE-enabled Android phone.

In my tests, the 4S on AT&T beat the same model on Verizon significantly for download speeds, though not for uploads. The AT&T device averaged 1.8Mbps down and 0.6Mbps up, while the Verizon phone averaged a much lower .4Mbps down, but a higher 0.9Mbps up. In general, though, you can expect speeds to be higher 3G speeds on AT&T all around. The 4S is also capable of simultaneous voice and data on AT&T, which is unavailable on 3G phones on Sprint and Verizon.

While the iPhone on Verizon is technically slower than it is on AT&T, it still feels plenty fast in normal, everyday use. Apple has done an excellent job of balancing software and hardware for incredible Web speeds that never feel slow, regardless of network.

My main complaint is that the 4S doesn't take advantage of Verizon's 4G LTE network. This would've been more understandable a year ago, when the network was still emerging. But Verizon's 4G is now available in 194 cities, covering 200 million subscribers. The carrier expects to cover two-thirds of the U.S. population by mid-year, and to cover its entire existing nationwide 3G footprint with LTE by the end of 2013. Not only that, but Verizon already has more than 10 LTE devices to choose from, all of which have demonstrated excellent network speeds in our tests.

Take the Samsung Galaxy Nexus?($299.99, 4 stars), for example. In the same series of tests against the iPhone 4S on AT&T and Verizon, it averaged 4.8Mbps for downloads and 3.7Mbps for uploads, which is a significant step up from either iPhone. And those numbers are lower than what we usually see on Verizon's LTE network.

Another thing to consider is data usage. Sprint is the only carrier to offer the iPhone 4S with unlimited data (unless you were grandfathered in with an earlier plan on AT&T or Verizon). So if you use a considerable amount of data, you may want to give Sprint a look.

Although the cell phone life cycle is decreasing at a rapid clip, two-year service contracts aren't getting any shorter. So when you buy a new phone, it's nice to know that you're buying into the future. While the iPhone 4S is an excellent handset, and is going to make many Verizon users very happy, it isn't going to have much staying power once Apple decides to go 4G.

If you aren't too concerned about network speeds and you want an iPhone on Verizon, then get the iPhone 4S; it's the best one yet. But if you're looking for the fastest, most powerful smartphone the carrier offers right now, you should be looking for a 4G LTE device like the Motorola Droid RAZR Maxx?($299.99, 4.5 stars).

Benchmarks
Continuous talk time:?9 hours 22 minutes

More Cell Phone Reviews:
??? Apple iPhone 4S (Verizon Wireless)
??? Motorola Droid Razr Maxx (Verizon Wireless)
??? Huawei Ascend II (U.S. Cellular)
??? ZTE Score (Cricket Wireless)
??? RIM BlackBerry Curve 9370 (Verizon Wireless)
?? more

Source: http://feedproxy.google.com/~r/ziffdavis/pcmag/~3/xm09tfyupxc/0,2817,2399642,00.asp

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11 young stars pack Vanity Fair Hollywood cover

Mario Testino / Vanity Fair

By Kurt Schlosser

Vanity Fair magazine has unveiled the cover of its annual Hollywood issue. The three-panel layout evokes an old Hollywood feel with 11 young actresses in pastel satin dresses and feathers on a Jazz Age set.

The stars are: Rooney Mara, Mia Wasikowska, Jennifer Lawrence, Jessica Chastain, Elizabeth Olsen, Adepero Oduye, Shailene Woodley, Paula Patton, Felicity Jones, Lily Collins, and Brit Marling. Mara and Chastain both received Oscar nominations this season. Mara was nominated for best actress for her portrayal of Lisbeth Salander in "The Girl with the Dragon Tattoo,"and Chastain for her supporting role in?"The Help."

Check out Vanity Fair's behind the scenes video?of the cover shoot with photographer Mario Testino.

Related content:

Source: http://todayentertainment.today.msnbc.msn.com/_news/2012/01/31/10278818-vanity-fair-packs-11-young-stars-onto-hollywood-cover

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