Uses of Various Personal Loan Types

There are different types of personal loans that are available for individuals and business owners to choose from depending on the purpose of the loan. These loans have been subsidized into various forms ranging from personal commercials loans, personal investment real estate loans, no guarantee personal loan, commercial building personal loans to mention just but a few.

Personal commercial loan is a short term loan that is granted to business owners to either start or improve their businesses. In some countries, personal commercial loans are subdivided into various forms for use in running businesses. Normally, the repayment terms and conditions for this type of personal loan are always 90 days. The loan can either be secured or unsecured, but still it can be granted to various businesses including savings and associations, schools, insurance companies, credit unions, and all credit institutions amongst others.

Another type is the investment real estate personal loan which is short-term for meeting urgent financial need with real property as the collateral. This loan type is usually secured by a mortgage. The loan is granted specifically for purposes of initiating project and development programs which includes all kinds of real estate investment projects. There are many development projects that fall in this category.They include franchise, restaurants and different business premises. In addition, it can also be used to in modernizing existing projects and programs which perhaps lack funds to complete. Similarly, the loan can also be used in large scale projects such as building homes and buying automobiles. It is therefore evident that investment real estate loan has set uses, but though, your business plan will be needed to explain all that you want to spend the money on.

Another one is the personal loan no personal guarantee,which is simply a loan granted without personal guarantee. Building your corporate credit even at the time you do not need it is a very good step forward which puts you in a perfect position of obtaining loan no personal guarantee much easier.

A personal loan is characterized with many benefits. One of its benefits is its ability to give investor an opportunity of owning an asset even without enough funds that caters for its entire cost. Similarly, when you obtain personal loan, it gives you an opportunity of owning a real estate with less risk. Another benefit is that repayment of this loan is relatively easier since it is paid on annual basis.

Relevance in Internet Marketing

Relevance is the key to Internet Marketing, but relevance to what and to whom? That is what I am going to be illuminating for you in this article.

The easy part of Internet Marketing is deciding what you are going to sell, basically you will pick a niche something that is of interest to you and something which you believe that there is a market for. If you are sensible you will at that point do further research and find out if there are forums relating to the product and what problems and issues people are having and, also the questions and answers they are raising. The next step after you have done this is to build an attractive website and drive traffic to it. It is at this stage that most Internet marketers go wrong. The problem is that they often build a site that is attractive to them, but that does not convert. The problem is they lost sight of relevance. In this case it is the relevance to the visitor that matters.

The average site visitor spends less than 15 seconds on assessing a new site and their eyes travel from left to right and then down the left most column first. You must capture their attention almost immediately and then keep it. This is where relevance comes in to play in a big way.

Your title must be large bold and related (i.e. relevant) to whatever the link was that they clicked on to reach your site for example I sell guitars and my keyword is Play Classical Guitar so they are expecting to see a site that offers them help to play classical guitar. I offer them free sheet music if they subscribe (give me their name and E mail address). The sheet music is relevant to anyone that plays Classical Guitar and I change the music each month so that it is appropriate for all levels of player. The offer is highly relevant and about 6% of all visitors give me this information. If I improve the wording by making it more relevant to my visitors it is possible to get up to 50% opting in, or sometimes more.

The same concept applies to Google AdSense advertising, only this time you have to capture the visitor’s attention in only a handful of words. If you can get a really relevant phrase and use this in the URL your advertisement and on your landing page then conversions will increase. It takes 5 to 6 touches to sell a person on a concept and they are more likely to stay if they recognize the relevance of the site to what they are looking for.

Summarizing we need to keep all aspects of Internet Marketing relevant to our visitor, the advertisement, the articles used to raise interest, the landing page and the call to action if we fail to do this then our visitor may leave and merely increase our bounce rate. I hope you see the need for relevance.

Are In Text Ads Relevant to the Content?

Yes, In Text Advertising is a form of Contextual Advertising

I was browsing through a magazine – a real one with paper pages – and noticed a lifestyle article about a new mattress that uses three-dimensions. Well, I wondered, don’t most mattresses have three dimensions? But then, on the next page, a full-page advertisement announced a new 3D mattress. Hmm… was that a coincidence? Of course not. The magazine sold the mattress ad and probably added an editorial article about the new technology. Most magazines try to separate editorial content from advertising, to keep appearance of professional writing. Separation of paid-for ads and actual content is considered ethical. In this instance, they were not that subtle. But wait, what’s so wrong about relevant ads? There seem to be a big difference in our expectations between the offline world and the online arena. While in traditional paper publications we prefer content which is clear of advertising interests, when it comes to the Internet, we actually expect the ads surrounding the content to be highly relevant to the content.

As website publishers we in fact insist of showing the most relevant ads, hoping they will yield higher click-through rates and revenues. The visitors somehow accept this as being supplemental to the content. Google AdSense ads are responsible for this revolution. Since the ads are placed through automated algorithms, we don’t see them as affecting the editorial considerations of the publisher. Moreover, if the ads are not relevant, we usually complain about it.

In text advertising is a form of contextual advertising. As such, in text ads are attached to hooks – highlighted terms within the content – and they are relevant to the terms and the content of the page. So, if your question is simply – are in text ads relevant? The answer is positive. Yes, in text ads are relevant to your content. But since there are examples where they are less relevant, this question calls for some further discussion.

No Perfect Guarantees

One of the publishers I’ve been working with has integrated in text ads for the first time. During the first month, we served ads to no less than 20 million unique visitors. When summarizing the first month’s results, the publisher was generally very happy with the revenues and feedback, but he highlighted one email from a frequent visitor, who complained about an ad that was not relevant. My first response to the complaint was – Great, this is good news! How come? Simple. It’s true that an irrelevant ad is not a good user experience. But, if we had one complaint out of 20 million visitors, we have a very good success ratio. There are no guarantees that any contextual advertising technology would be perfect. There’s nothing like a bullet-proof method with perfect relevance, not even Google AdSense, and as long as the vast majority of ads are relevant, this should suffice.

Is it really not relevant?

In text ads can be less relevant when the content is not focused. Any contextual algorithm, as smart as it can be, would have problems with pages that are a mix of issues. In such cases, the ad should at least be relevant to the hook – the highlighted term.

Another factor that can reduce relevancy is geography. When the visitor comes from a country with less online advertising, it could be difficult to match the ads with high relevancy. To improve this, make sure with your provider that he has enough advertising coverage in the countries where your most important visitors come from, and be tolerant to less relevant ads in other regions.

Last but not least, relevancy is in the eye of the advertiser. While you may think that an ad is not relevant, take into consideration that the advertiser has specifically chosen to match the ad to the term and context. A professional in text ads provider only places ads with direct response to advertising campaigns which target context and terms. For example, if the chosen term was “London Hotel”, you would probably expect a travel ad. But then, if you see an ad for a t-shirt website, don’t be alarmed. It could be that this t-shirt website is now selling new Madonna merchandise, and Madonna is on her way to a big concert in London; hence, the advertiser is trying to target tourists who head to London for the show.

Are your Hooks Relevant?

In addition to measuring the relevancy of the ads to the content, another important factor would be the relevancy of the highlighted terms to the content. Before any visitor hovers over an ad, visitors show interest in links which are relevant to the content. When the highlighted terms are relevant, you should see higher rates of hovers. Matching the ads themselves comes next. So first, ask yourself – are the terms relevant? This should be a good start.

You can improve In Text Ads Relevancy

In these cases when you still feel that the in text ads on your website are not relevant enough, consider the following options. First, calculate how serious this issue is. If you’re thinking about just a few ads out of thousands, then it’s probably not a serious problem. Second, consider the context and the geography – the more focused the content, and the bigger the market for online advertising in this country, the higher the relevance should be. If the market is not that big and the content is not very focused, achieving high relevancy would be difficult. Third, look from the advertiser’s point of view – he thought the ad is relevant, so try to understand it.

If, after considering these options, you still feel that the ads are not relevant, then it’s time to contact your in text ads provider. There’s much you can do together. Your provider can work with you to improve the algorithm and customize it to your website, direct specific advertisers to your website, and assist you with monitoring and analyzing results. After all, it is contextual advertising.

The Relevancy of Being Irrelevant

I have a job; I feel relevant. I don’t have a job; I feel irrelevant. My children are healthy and making good choices; I feel relevant and significant in their lives as a good role model. My children are making poor choices again and again, exercising their free will; I feel irrelevant and insignificant asking myself where did I go wrong… and so it goes. Up and down like a rollercoaster, constantly. I think it’s called LIFE.

The dictionary defines the word irrelevant as unrelated to the matter being discussed or considered; not important; not applicable or pertinent; having no meaning or connection with the subject or issue.

Just reading those words makes me feel frumpy and broken and I don’t want to live in these words but sometimes I just feel impertinent and unimportant and like I’m not connected to anything or anyone.

Let’s turn it around.

What does it mean to be relevant? The dictionary defines the word relevant as the state of being closely connected or appropriate to the matter at hand; meaningful or purposeful in current society or culture; a connection to the matter being discussed; having practical value or applicability.

I don’t think anyone who lives past age 2 can escape feeling irrelevant at one time or another. However, there is relevance to feeling irrelevant. In a nutshell irrelevancy has the power to allow space for pondering, changing, adaptability and transformation.

I am a mom. I was relevant to my children until they hit 2 years old and they discovered their autonomy by powerfully exercising their use of the word “no”. Oh what fun times we had as a family when the kids would say no to something. It is said in those lovely guide books about raising children that what you see from them at 2 or 3 or 9 years old will manifest itself again in more dangerous and powerful ways when they turn 12, 13 or 19 years old. I am here to attest to the fact that yup, all true.

I became irrelevant in a more powerful way when the kids became teenagers. They no longer needed or wanted to hear from me about anything. They knew everything and if they didn’t they would figure it out on their own. I went through a time of deep despair and depression when every word out of my mouth was ignored, seemed meaningless, disconnected from their perceived reality, not applicable to their situation because “things were different since I was a teenager”. You get the picture?

It’s a tough reality to wrap my head around when, whether with purposeful intent or random circumstance I find myself having to deal with transformation or change of any kind, in this case my children growing up, and asking the ultimate question, “what now”?

Transformation happens when we graduate from college or get married or become parents or change careers or retire. Sometimes transformations are wanted and happily accepted but most transformations take place by being forced on us or we are coerced into the changes that are taking place. At times transformations just happen. By natural design we are creatures of habit and we do not like when things change. Even if we are unhappy with the things we are doing we at least know how to manage our emotions within the unhappiness and tasks rather than throw it all out the window by choice and embrace the attitude of “Yippee!! Come what may”.

I started trying to turn my own mindset around when I got a job outside of the house and could no longer cater to the children’s needs, emotions and quirks full time. In my job I became relevant to the needs of the company and to the needs of strangers. I started to value my ability to learn, my ability to form relationships and to communicate and my ability to own my piece of the tasks at hand. When I started to apply my work mindset toward parenting, my children started to change too. (Shhh, Without their knowledge or permission).

In pondering the life moments when I feel my own irrelevancy, I take the down time to realize the many ways I strive to feel relevant and this list might help you too…

I stay true to who I am deep inside. I believed for so long that if someone would just teach me what they want me to know in order to do the job or task they need done then I could rise to their need and get it done. After all, I had years and years of experience doing just that as a parent. I stayed authentic to who I believed myself to be. If you are struggling with doubt about your own authenticity call me. Let’s get you coached around that because it is the key that unlocks many doors.

“We have to dare to be ourselves, however frightening or strange that self may prove to be.” May Sarton

I give. I give my time, my talents, my heart to whatever it is I am doing whether it be volunteering, baking, cooking, gardening, writing, conversing, listening, praying, playing, taking pictures or learning something new. I am “all in” everything I do. I achieve a sense of mastery for each time I practice giving. I become a master at kindness, compassion, empathy, relevance and become more and more authentic in the process.

“No one is useless in this world who lightens the burdens of another.” Charles Dickens

I am action oriented. I absolutely hate sitting still for too long. I feel most productive and relevant if I am physically moving around getting things done or mentally stimulated when learning something new. Being an action oriented person also means facing fears I keep deep inside. My goal is to practice facing my fears and get to the end of my day with a list in my heart of all the things I gratefully accomplished and to feel exhaustively satisfied enough to sleep well.

“The best thing you can do is just do it, just face the fear and get it over with. How do you get the courage? You create your courage by just taking action… ” James A. Murphy, The Waves of Life Quotes and Daily Meditations

I consider my antonyms. It is a natural human defense trait that thoughts will first drift toward negativity before we seek to purposefully rein them in and kick negativity to the curb. Coaching has taught me a tremendous amount about my own inner power of turning things around in my own head. In this case, when I start feeling irrelevant I consider the opposite of my negative thoughts. I think about all the ways in which I am significant, relevant, necessary, valuable, useful, needed and worthwhile. On the chance that I still find irrelevancy within these words I think about and put into action all the ways in which I want to be all of these antonyms and where I can start.

“We each carry with us unique gifts, recognized and unrecognized. We long to harness those gifts in a way that gives life significance and helps us to matter more in the lives of others.” Tom Hayes

I try to keep a child’s mindset or in other words I try to keep a simple sense of curiosity at the forefront of everything I do. Whether I am learning something new to be able to get a task done at work or asking questions to my clients to help open doors on their life’s journey or to my children to help them think about something more deeply, I am always curious on a child’s level as to the how or why that is at the heart of what is happening.

“If we are to use the words ‘childish’ and ‘infantile’ as terms of disapproval, we must make sure that they refer only to those characteristics of childhood which we become better and happier by outgrowing. Who in his sense would not keep, if he could, that tireless curiosity, that intensity of imagination, that facility of suspending disbelief that unspoiled appetite, that readiness to wonder, to pity, and to admire?” C.S. Lewis, An Experiment in Criticism

As my children get older I have to face the reality that I too am getting older and I think about what will my relevance be once my children are on their own and no longer living in my home? For one thing I am taking back my own life and constantly seeking to create me. It matters to me that even though I no longer need to be physically relevant to teach my children I can be spiritually relevant as an example of how life goes on for me when they are not around.

No matter what stage of life I am in I am always, in one way or another, in transformation mode. I choose the word transformation over the word change because change can be such an ugly word and puts up red flags in my gut. I prefer transformation because that is a more accurate word to describe the big and small ways in which life re-creates, re-invents and re-generates itself constantly. The objective to winning in transformation is to go with the flow. A great example of this is my grandmother. By God’s grace she will be turning 100 years old this August. The normal thoughts when you hear about someone turning an unbelievable age like 100 is what keeps them going and feeling the pull to live?

We don’t live near each other and so we can’t physically see each other on a regular basis but I know through conversations with her or my mom that she never sits still. She still lives on her own, not in a nursing facility, she still drives a car, she still flies on airplanes to visit family at least 3 times a year, she still cooks and bakes, she still meets with friends on a weekly basis, and she still does her own grocery shopping. Three characteristics that keep her relevant is her optimistic attitude toward life, her faith and her curiosity toward life and transformation. She is about to downsize her living and will be moving to a new area, making new friends and forming new life habits. She is not afraid and knows exactly what she wants and how she wants to live in her new space. She is a shining example of relevance in my humble opinion.

If you are going through life moments where you find yourself questioning your relevance please consider that in each phase of transformation we become a clean page in the story of our own lives and have the incredible opportunity to start a new chapter and choose what goes onto our new pages. I hope these “call to action” questions will help you. Let’s open up a dialog about helping each other feel more relevant in every stage of life.

Call to Action

Where in your life right this moment do you feel irrelevant?

In what ways are you believing you are irrelevant?

What makes you feel relevant?

How can you approach your next transformation with a child’s curiosity?

What can you do with the life skills you have learned so far to help someone else and thereby inject relevance into your life and the life of someone else?

What are some new activities, skills or wisdom you would like to include on the new pages of your next chapter?

The Truth Behind The Network Marketing Industry

The Multi Level Marketing (MLM) Industry popularly known as the Network Marketing industry, is indeed a very simple and profitable industry but sadly with a lot of negative feedback. The truth is that you can make a lot of money in the MLM industry. A lot of ordinary people have built businesses that provide passive income streams for them and their families and friends, who are in their network for life! The beauty about having a business that provide passive income streams is that you can get to enjoy life doing whatever you want or decide. All that is required is a few years of smart and dedicated work. Today though, this has been made a lot easier as some MLM companies have gone online. There is an MLM company today that operates entirely on an e-commerce platform! This means that you can reach more people using your website or social media to sell almost any product and to anyone anywhere in the world. The network marketing industry is a $167 billion industry churning out millions having huge passive income streams.

I am a partner with one MLM firm that is a 100% e-commerce based here in Nigeria. This means that I can actually do the business from home. With proper application of e-commerce concepts, you can indeed earn a stream of passive incomes for life! This is however not a get-rich-quick scheme. Success in the MLM industry entails following a set of professional guidelines and being consistent. Many people in the MLM industry fail to apply basic guidelines needed to start and grow their own MLM business. Many fail to realize that their MLM business should be handled as a real business where you will be required to recruit a team of people that believe in your mission and vision.

The network marketing industry is a 167 billion Dollar industry and about 91 million people are involved in the network marketing industry around the world today. The industry is now booming in the rest of the world because it is almost the only recession proof industry! During the economic recession that occurred in the world in 2008 and 2009 and the one before that in 1998, it was the only Industry that was growing. While other industries like the automobile and financial industries were either collapsing, downsizing on the number of employees or cutting down salaries, the network marketing industry was getting larger. This is why a lot of people have shifted to Network Marketing.

Even great men and thinkers are beginning to endorse the MLM business model. Bill Gates has been quoted saying that if he had another chance to start up, Microsoft would have adopted the network marketing model. Little wonder the Network marketing Industry continues to grow at an unexpected rate. This is especially true in the United States that recorded a growth from $13 billion in 1992 to over $132 billion in 2010; more than 82 million new people have joined the Network Marketing Industry in the past 20 years! In fact, it is now estimated that over 15,800,000 distributors in the United States alone now participate, full- or part-time, in Network Marketing-and these numbers continue to grow.

After 20 year, the Network Marketing Industry still fits today’s hot trends-home-based businesses, entrepreneurship, and self-reliance-and in Nigeria, the growth is beginning to catch up with the rest of the world. My articles continue to educate its readers how they too can move beyond economic security to economic prosperity by taking advantage of this wealth creating industry.

Feel free to find out if Network Marketing is right for you. Learn how to select a company, and how to begin your own home-based business, using the skills and resources you already possess because, after all, it’s still your future!