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Sunday, September 28, 2008
Blog list
Network Marketing - Focus, Integrity, Unity, Teamwork
Mariusz Antonik
http://your-success-builder.com
http://networkmarketingteam.ning.com
skype mariusz_antonik
Rewards Program, You can save too.
Credit cards don't just substitute for cash, they can also earn you reward points. "I use cards for their convenience and other benefits which I can milk," says Bhadauria. And you, too, can tap the monetary value of the points collected on your card.
How do you accumulate points?
Every time you swipe your credit card to make a purchase, you collect reward points. Typically, you get one point per Rs 100-250 spent. This, however, depends on the card and the bank. For instance, banks offer more points on co-branded cards. State Bank of India [Get Quote] gives one point per Rs 40 spent on its Gold Card and eight points per Rs 100 on its co-branded Tata Card.
The value of each reward point also varies across credit cards and banks. Says Sachin Khandelwal, head (cards), ICICI Bank [Get Quote]: "The value of a point can be anywhere between 30 paise to a rupee and is also a function of the merchant partner in case of co-branded cards." For example, the value of one point on the SBI Gold Card is 70 paise, while it is Re 1 on the SBI-Tata Card.
The limitation with most accelerated reward points on co-branded cards, however, is that they can be redeemed only against products and services of the partnered establishment.
One also needs to remember that points get accumulated against spends (that too, not all of them), not for cash withdrawals.
How to redeem points?
What to redeem on. Earlier, banks offered a limited catalogue of products. Plus the prices were very high and one couldn't negotiate on them. But now there is a laundry list of what you can do with the points.
For starters, there is the conventional catalogue that includes apparel, gadgets, jewellery, luggage items, and the like. You can also cash your points against gift vouchers. For instance, with HDFC Bank's [Get Quote] Gold Card you can get gift vouchers from Domino's, Cafe Coffee Day, Pantaloons, Westside, Lee, Music World and Landmark.
Going a step further, some banks have tie-ups with certain merchants where you can redeem points instantly. You don't have to contact the bank and get vouchers; you can pay using the points.
When the card is swiped, the reward points get reflected on the machine. So, if you have accumulated points worth, say, Rs 500 and you buy goods worth Rs 1,000, the merchant will offer you the choice of using your points for payment.
Some banks now offer air tickets on reward points, a feature that was earlier limited to co-branded cards. For instance, HDFC Bank has tied up with Jet Airways [Get Quote], Indian and Kingfisher Airlines to allow its card users to convert their reward points into air miles. The value of one air mile is usually equal to one reward point.
"The air miles required to get complimentary tickets would depend on the airline and the travel sector," says Parag Rao, executive vice-president, head (product and portfolio management), credit cards, HDFC Bank.
Some banks, like Bank of Baroda [Get Quote], also let you redeem your reward points against cash. That is, cash corresponding to your reward points are credited to your account. Deutsche Bank does the same on its Gold Card, but also offers a gift catalogue.
Procedure. You can redeem your points by filling up a redemption coupon which is there on banks' website. You could also use the phone banking option. For web-enabled credit card holders redemption can happen online. The banks can take anywhere between a week to a month to redeem the points.
How to bag the best?
With so many cards, each with multiple features, how do you know which one to pick. Bhadauria wants features, flexibility and convenience from his credit cards. "Of my five cards, I use HDFC Master Titanium card the most since I can pay the bills online and it gives me higher reward points for it. The card also offers many options to redeem my points," he says.
Figure out what you want. If you are a frequent air traveler, then an airline-bank co-branded card may work for you.
Another thing to note is the value of points. Says Nirupam Sahay, chief marketing officer, SBI Cards: "Points accumulated and their value is important, in addition to the wide choice of redemption options." For example, the co-branded ABN AMRO MakeMyTrip Go Card offers three reward points per Rs 100 spent. But, on purchases made on MakeMyTrip, the points range from 10 to 30. The reward points can be redeemed as cash back into your account.
Now, more cards are offering the cash-back option on reward points. Choose the card that offers you maximum cash-back on your frequent spends and offers an array of redemption choices.
* All banks display their products online and have compare tools to help you pick the best.
* Use these to compare the features and find the card that suits you best.
* Don't forget the expiry date. All your hard work would go waste if your points expire.
* However, most banks have started doing away with the expiry period.
* For the smart shopper, the credit card is worth more than just what it buys.
(article from http://www.rediff.com/money/2008/jun/24card.htm)
Like you see using credit cards are convenient but limited to specific merchandise where you can actually receive your rewards and save your money. From customer point of view is much more efficient to be able to save money and earn rewards point every time when they shop, when they going to restaurant or travel. All this saving is possible when you use only one card, only one membership. How much more convenient and a time saver could this be?
You have to remember only one site, only one password and you get access to save in 1000 plus stores, you can save when you travel around the world. you earn rewards points when you go to your local stores and restaurants. This great opportunity is provided by Discount Home Shopping Club - International Buyers Club above 10 years help customers save their money.
Visit DHS Club at http://rewards.bettershoppingcenter.info and Select Your Mall.
You can also save your money in your favorite stores and restaurants.
Sincerely
Mariusz Antonik
http://your-success-builder.com
Saturday, September 27, 2008
Why Home Base Busineess Scam Are So Successful?
1. The Sick, Disabled, or Elderly: If you are elderly, ill, or have a disability, you may have problems landing a traditional job.
2. The Stay-At-Home Mother: Whether you have a spouse or you're single, you may be looking to supplement or create an income while raising children.
3. The Low-Income or No-Income Family: You or your spouse may have just lost your job, and you feel desperate and anxious to find work as the bills pile up.
4. The Person Without Higher Education: You're not stupid or dumb -- you just didn't go on to college or university.
To summarize, these scammers are often preying primarily on the sick, the disabled, the elderly, the unemployed, parents, and people without a lot of money.
The Top 10 Home-Based Business/Work-At-Home Scams
Note: These scams are not ranked by dollars lost or people scammed. In fact, there's nothing scientific about the list. It's just the ten home-based business scams we find the most disturbing.
10. Craft Assembly
This scam encourages you to assemble toys, dolls, or other craft projects at home with the promise of high per-piece rates. All you have to do is pay a fee up-front for the starter kit... which includes instructions and parts.
Sounds good? Well, once you finish assembling your first batch of crafts, you'll be told by the company that they "don't meet our specifications."
In fact, even if you were a robot and did it perfectly, it would be impossible for you to meet their specifications. The scammer company is making money selling the starter kits -- not selling the assembled product. So, you're left with a set of assembled crafts... and no one to sell them to.
9. Medical Billing
In this scam, you pay $300-$900 for everything (supposedly) you need to start your own medical billing service at home. You're promised state-of-the-art medical billing software, as well as a list of potential clients in your area.
What you're not told is that most medical clinics process their own bills, or outsource the processing to firms, not individuals. Your software may not meet their specifications, and often the lists of "potential clients" are outdated or just plain wrong.
As usual, trying to get a refund from the medical billing company is like trying to get blood from a stone.
8. Email Processing
This is a twist on the classic "envelope stuffing scam" (see #1 below). For a low price ($50?) you can become a "highly-paid" email processor working "from the comfort of your own home."
Now... what do you suppose an email processor does? If you have visions of forwarding or editing emails, forget it. What you get for your money are instructions on spamming the same ad you responded to in newsgroups and Web forums!
Think about it -- they offer to pay you $25 per email processed -- would any legitimate company pay that?
7. "A List of Companies Looking for Homeworkers!"
In this one, you pay a small fee for a list of companies looking for homeworkers just like you.
The only problem is that the list is usually a generic list of companies, companies that don't take homeworkers, or companies that may have accepted homeworkers long, long ago. Don't expect to get your money back with this one.
6. "Just Call This 1-900 Number For More Information..."
No need to spend too much time (or money) on this one. 1-900 numbers cost money to call, and that's how the scammers make their profit.
Save your money -- don't call a 1-900 number for more information about a supposed work-at-home job.
5. Typing At Home
If you use the Internet a lot, then odds are that you're probably a good typist. How better to capitalize on it than making money by typing at home?
Here's how it works: After sending the fee to the scammer for "more information," you receive a disk and printed information that tells you to place home typist ads and sell copies of the disk to the suckers who reply to you. Like #8, this scam tries to turn you into a scammer!
4. "Turn Your Computer Into a Money-Making Machine!"
Well, this one's at least half-true. To be completely true, it should read: "Turn your computer into a money-making machine... for spammers!"
This is much the same spam as #5, above. Once you pay your money, you'll be sent instructions on how to place ads and pull in suckers to "turn their computers into money-making machines."
3. Multi-Level Marketing (MLM)
If you've heard of network marketing (like Amway), then you know that there are legitimate MLM businesses based on agents selling products or services.
One big problem with MLMs, though, is when the pyramid and the ladder-climbing become more important than selling the actual product or service.
If the MLM business opportunity is all about finding new recruits rather than selling products or services, beware: The Federal Trade Commission may consider it to be a pyramid scheme... and not only can you lose all your money, but you can be charged with fraud, too!
We saw an interesting MLM scam recently: one MLM company advertised the product they were selling as FREE. The fine print, however, states that it is "free in the sense that you could be earning commissions and bonuses in excess of the cost of your monthly purchase of" the product. Does that sound like free to you?
2. Chain Letters/Emails ("Make Money Fast")
If you've been on the Internet for any length of time, you've probably received or at least seen these chain emails. They promise that all you have to do is send the email along plus some money by mail to the top names on the list, then add your name to the bottom... and one day you'll be a millionaire.
Actually, the only thing you might be one day is prosecuted for fraud. This is a classic pyramid scheme, and most times the names in the chain emails are manipulated to make sure only the people at the top of the list (the true scammers) make any money.
This scam should be called "Lose Money Fast" -- and it's illegal.
1. Envelope Stuffing
This is THE classic work-at-home scam. It's been around since the U.S. Depression of the 1920s and 1930s, and it's moved onto the Internet like a cockroach you just can't eliminate.
There are several variations, but here's a sample: Much like #5 and #4 above, you are promised to be paid $1-2 for every envelope you stuff. All you have to do is send money and you're guaranteed "up to 1,000 envelopes a week that you can stuff... with postage and address already affixed!"
When you send your money, you get a short manual with flyer templates you're supposed to put up around town, advertising yet another harebrained work-from-home scheme.
And the pre-addressed, pre-paid envelopes? Well, when people see those flyers, all they have to do is send you $2.00 in a pre-addressed, pre-paid envelope. Then you stuff that envelope with another flyer and send it to them.
Ingenious perhaps... but certainly illegal and unethical.
Than you http://www.scambusters.org/work-at-home.html for this information.
I am agree that to find a good and legitlme business opportunity is hard. That I would like to invite you to our Business Presentation which is hosted at http://tomorrowshomebusiness.butchhamilton.com
You will NOT be sold anything here, you will only receive information.
For more information click here > http://contactus.tomorrowshomebusiness.com
Mariusz Antonik
Future SEO Master
http://your-success-builder.com
http://netwrokmarketing.aboutleads.net
skype: mariusz_antonik
Long Term Successful Home Business
If you are wanting a long term successful home business you will have to start thinking about a vehicle that will create lasting residual income, not some hyped up get in now make $10,000 in your first 30 days program. If you are new to the home business arena be careful where you hang your hat.
The Internet has a lot to offer, there are many good and bad opportunities popping up on a daily basis, this is creating a flood of new people jumping into the first home business opportunity that promises to fulfill all their dreams in a very short period of time. (Red Flag)
It is possible to be successful in a short period of time, but realistically most people end up losing a lot of money by jumping from one great deal to the next. My advice is to take the time and get a good education on the do`s and don`t about how to build a long term successful home business. I have been blessed to be able to avoid throwing a bunch of my hard earned money into cyber space and now I would like to give you the same opportunity to learn what you need to know to build a long term successful home business.
If you are serious and want to learn the strategies that my friend Seo Master Butch Hamilton has been teaching and learn strategies on how to structure your home business for maximum long term profitability taught by another one of my friends well known economist Dr. Ray Jewell come to a presentation on Thursday at 6:00 PM Pacific standard time in our state of the art web conference room and learn how you can benefit from our SEO knowledge.
Web conference http://tomorrowshomebusinessbutchhamilton.com password is success.
You will NOT be sold anything here, you will only receive information.
For more information click here > http://contactus.tomorrowshomebusiness.com
A Legit Home Business Opportunity
Tomorrow`s is a legit work from home team of members that consists of a wide variety of professional business owners who are building friendships through an online community that is creating the most powerful marketing team ever to be assembled in the history of the Internet.
Tomorrow`s Home Business is all about exposing the truth about the MLM industry, to help give the little guy and little gal marketers the facts so they can make the right business decisions and find a legit work from home business.
Tomorrow`s Home Business is not about who can make the most money the fastest, unlike a lot of MLM new start-up companies that promote fast start bonuses. Too many times big shot so called gurus cash in on the novice leaving them behind with a bad taste for the industry. Not to mention no up line support. This type of business practice along with all the hype is what hurts the legit work from home business opportunities.
If you are looking for a significant , refreshing , and legit home business opportunity this just might be for you.
Come and listen to my good friend well known economist and financial expert Ray Jewell give a live presentation on how to build a profitable legit home business and a Safe way to grow your retirement income in today's uncertain economy.
Web conference http://tomorrowshomebusinessbutchhamilton.com password is success.
You will NOT be sold anything here, you will only receive information.
The mind is like a parachute it works best when it is open.
For more information click here http://contactus.tomorrowshomebusiness.com This is not what you are thinking it is. Below you have two options to choose from.
Is Your Home Business Inflation Proof
other products need to go up to offset the cost of shipping.
I have been in and out of the grocery retail industry for over the past 30 years as an owner and manager of large and small volumes stores and I can remember back in the 70`s when we had a fuel shortage
and one manufacturing company I won`t mention and names( P&G) decided in my opinion to take advantage of this.
If you do the grocery shopping you will relate, I first noticed that diapers were being reduced in count per package and paper products had less sheets per roll, this was explained to the public, we are trying
to keep the prices down. (Ha Ha Ha do be fooled for a second)
OK lets move forward to the late 80`s early 90`s guess what, inflation hit again. Can you guess what happened and who was taking the lead as all of the manufacturing companies now followed this type of marketing to cut costs and keep the retail prices down.
Well what happen when fuel prices started to rise earlier this year, you guessed right you can now buy a 24 pack of what is known as private label bath tissue for only around $4.98 and if you have any
kids you might be able to wipe for about a week or so and then have to buy another one.
Try and find a 16 oz. can of green beans or how about a 12-13 oz. box of cereal that is now a 8-9oz. box. I haven`t seen the prices stay down on any of these products. By now you are asking what the heck does this have to do with an inflation proof home business.
Is Your Home Business Inflation Proof are you getting this. You do run a budget for your home right. Then you have a home business without any tax benefits or ways to keep up with inflation. Would you like to know how you can have an inflation proof home business?
Come and listen to my good friend well known economist and financial expert Ray Jewell give a live presentation on how to build an inflation proof home business and a Safe way to grow your retirementincome in today's uncertain economy.
Web conference http://tomorrowshomebusinessbutchhamilton.com password is success.
You will NOT be sold anything here, you will only receive information.
The mind is like a parachute it works best when it is open.
For more information click here http://contactus.tomorrowshomebusiness.com
This is not what you are thinking it is.
