Would you like to know the Benefits of Understanding the Terms and Conditions Business Agreement before signing up for it?

Business transactions have legal document which contains a detailed account of how a company intends to render its services to its clients or customers. The terms of reference in the document are binding to all parties in the business. It contains everything the contracting parties need to know about the business or contract. The content depends on the type of business, governing laws and jurisdiction, nature of risk in the business and system of operation and so on.

Every company has terms and conditions of business that is tailored to meet its peculiar need. Unfortunately, this vital legal document is treated with carefree attitude by uninformed investors or customers whose minds were preoccupied by the gains they would make from the contract or business. They are ignorant about the fact that the risk to reward ratio of a contract or business should be carefully studied and determined and used in planning to minimize known risks or unfavorable conditions.

A good number of people sign up for one online transaction or the other ignorantly without proper knowledge of the accompanying terms and conditions of the business. The consequences of this might pass unnoticed if there is no problem throughout the contract period. Should there be any problem, then the need to know what is in the document before venturing into the business becomes clearer because the action amounts to planning to fail.

I will show you more than a dozen benefits of reading and understanding the terms and conditions of service before signing up any contract or business deal with any company:

• It will describe the exact service which the company intends to render both in scope and in quality and might state who is qualified for it;
• It will spell out the condition or conditions that will compel the company to modify the said service. As an instance, you signed up for an internet access with company "A"  because they advertised to give 20hours bonus if you purchase their 250hours bulk plan. Though testimonials abound for this offer but unknown to you their terms and conditions of service stated that this bonus offer that attracted you into this business is valid for as long as the state law that encourages the establishment of telecom companies with 10% tax reduction is in force. If you had read the company's terms and conditions of service you would have known about this clause and that could have led you to consider if the business is appropriate for you initially before venturing into it. In the illustration I gave above, if that law which guarantee telecom companies 10% tax reduction is revoked, you will lose the 20hours bonus and this will tell adversely on the satisfaction you will drive from the business. If you had known about the risk, you would have opted out from the onset or prepare yourself emotionally to absorb any shock if the bad news about the risk in the business is announced;
• It will itemized prohibited conducts from the client in the course of transacting business with the company. The  client will know in advance actions that constitute breach of contract agreement. Someone who is ignorant of rules and protocols on a website can start using robot, spider, scraper or other automated means or interface not provided by the website to access its services, extract data, gather or use information, because he is not in the know that such methods of mining information are expressly prohibited by the company and clearly stated in their terms and conditions of service;

You will know how a company plans to resolve its customers' disputes . As an illustration, a company in Accra Ghana might state in its contract agreement that in the event of a dispute with a client, that the client can only file its suit in Accra, subject to Ghanaian laws and to be determined by a local court in Accra. Now, if a customer from Ontario, Canada signed up for the service, he has acknowledged that he will go to Ghana to seek a legal redress in the event of any dissatisfaction from the company's services;

• It will explain vividly your rights and privileges;
• You will know how the company intends to treat your personal information in their possession;
• It will explain to you the condition for  termination or cancellation of their service to you;
• It will state clearly the company's stand if you transact business with any of the 3rd parties on their and incur loss;
• It will show you those that have immunity against your suit for loss you suffer while using their services;
• It will show you areas where the company's warranties did not cover and specify realistic compensation in the event of loss caused by their services;
• You will know the company's policy on customer support;
• You will know the role you will play to get posted about the latest reviews of the company's terms and conditions of service.

Just as I mentioned earlier, the list is neither exhaustive nor stereotyped but the bottom line is that it is something no serious investor or customer should ignore.

How To Get Rich

Riches and wealth are not only about having money. Sound health and happiness are integral part of true riches.The reason a man could afford a private jet and another man living in the same environmental setting with him don't have enough fund to own a car is due to the information the one that has a private jet has which the other man is completely ignorant of. In other words, lack of accurate information or improper application of knowledge is the reason for failures, limitations and poor performance.

What leverage a man's effort is proper  application of accurate  information at his disposal. I will show you those giant steps you can take to position yourself properly to enable riches and wealth to start locating you. I will take you to the bible and show you one basic principle that will provide the foundation upon which every other principle will stand. I will take you to the book of  Proverbs chapter 23 verse7; Do not eat the bread of a miser nor desire his delicacies; for as he thinks in his heart so is he, but his heart is not with you.

The passage is telling us that a man's thought is the true reflection of his personality. Now that you know, the first thing to do is to embrace the mindset of the rich and start thinking like the rich. How do they think please? They don't negate, belittle, overlook or dismiss the desire to experience financial increase,  they are happy and focused on the goal they have even before the wealth starts manifesting, they have big dreams and great faith in the ability of their mind to create their big dreams,they seize opportunities as it comes to them and take the risk attached to those opportunities, and they are convinced that they could get rich. 

From the facts that were unfolded so far, you can see why the man with wrong thoughts and mindset can't go far on this journey to riches.The reason is that such folks will be tempted to resent or despise the rich.What is the implication of such attitude? The answer is that anything you despise you will neither increase nor progress in it. If you are asked why you can't steal, your reply will most probably be that you despise it because it is evil and you are unmistakably correct because the opinion you hold of it have killed your enthusiasm for it. In general you unconsciously set up a repulsive force in motion, the moment you hate something. That force will automatically prevent what you hate from appearing among the list of your achievements by placing a zero priority tag on it.  Of course it is normal if you argue about this but remember that many, due to ignorance, are not aware that the force of gravity exists, yet it does its job silently on them every passing second of their life. All events in your life are mirror image of your thoughts. External factors can't determine your life either, and it is an illusion to assume so. If you still have any doubt in your mind that condition applies to what I said, that is the main reason you are still dragging your foot to cross the river of poverty and limitations.

Now that you have aligned your thoughts properly, the next step is to cultivate the habit of saving both in big and small measure. It is a very good start to initiate a saving or investment culture. Always bear in mind that mighty armies are built by the recruitment of individual soldiers, one soldier at a time.  Ensure that your spending is less than your income and always save 10% of it . Always pay yourself first before anyone else. It is financial ignorance to hand over all your income to creditors. Make sure you take something out of every dollar you earn. It is an advanced method of buying your own freedom. This means that you can send your money on an errand to stock market to buy company's share while you are sleeping or resting. Do not use borrowed fund to buy goods and services because it will end up compounding your debt burden and bear in mind that any money that you refused to invest as it comes to you,  will leave you with nothing. The only one that leaves something for you before it goes is the one you invested.

Do not terminate your investment prematurely because those years you don't want to wait for will eventually come and pass you bye and you will remain in the same place. It is financial wisdom to pay cash and use credit card less. Learn to buy equity and be part owner of a company rather than addicted consumer of their products. Rich people plan how money should be attracted to them and not drain from their hands. You are made rich by what you save, invest, and compound through interest and not by your income.

Learn to admire, appreciate, emulate, and associate with successful people especially those in your chosen field.

Set financial goals and targets for yourself and access your progress: How much do you earn now? What is your projections in the coming year? A goal that is not declared is a destination that is never reached.

Practice handling your financial matters yourself but be friendly with experts and make them your mentor. Float your own company to increase your distribution capacity and production level. You will equally enjoy protection against taxes and liabilities.

Be financially literate by attending business seminars and buying financial books.

Here's 3 Tests To Identify A Geniune Business Program

The web is a beehive for many business and marketing activities. Work from home programs are top on the list. They are available in diverse titles and packages. The popularity is basically due to the flexibility it offers.With such programs, you can work or do business at the comfort of your own home. Again, it equally avails you the opportunity to manage your time the way it will suit your personal schedules.

Today, there are plethora of fake and junk work from home packages designed by fraudsters to steal from an unsuspecting victim. I will show you how to identify a genuine program from the pool of mixed multitude. You will conduct three main tests to completely eliminate fake programs.

The first test is to look for programs that offer money back guarantee.If a website can't offer money back guarantee for a work from home program, it is a proof that the program lacked merit and the promoters confidence in that the product or services are questionable. A man will stake his neck for what he is convinced about because he is fully persuaded that it will yield the expected result. In the light of this, you should exercise the greatest restraint and discard those programs that had no guarantee.If a company passed your first test, that's great. However, this first step is just the beginning of this glorious journey to your promised land. You should bear in mind that not all promises made are honored.In other words, an offer of a guarantee is not an assurance that the rule will be observed, but it is a relevant tool to get rid of certain categories of  junk and fake programs.

Next, you will test the ability of the company to keep to its guarantee policy as it is written in the terms of agreement. How can this be achieved? This time, your focus will be on who is the company's payment processor. This test will uproot and eliminate most of  those programs that are orchestrated to defraud. I will tell you how that will happen: Fraudsters don't usually have guidelines or agreement terms to follow and implement. They might frame one to fulfil all righteousness but they have no plans to observe it. Similarly, they will not want to use a reputable third party payment processor company for their transactions because that will compel them to comply strictly to a well defined code of conduct and agreement terms which are prerequisites for hiring such reputable third party companies. Reputable payment processor third party companies like Paypal or Alertpay will ensure that their clients follows a strict code of business ethics as it is written in their terms of agreement and if any of their clients defaults, the pay processor company will impose appropriate sanctions against it and force it to comply with all regulatory terms. Based on this, I strongly recommend that you trade with the greatest caution while doing business with companies which use merchant software to process their payment instead of employing the services of a reputable third party payment processor company. Word of caution: fraudsters and criminals can fake anything. That is why fake escrow services, fake auction sites and fake payment processor companies are very common. If test number two gives you a name that is not common among the reputable payment processors you know, subject it to the third test I will show you.

In this third test, you should collect the company's contact address and contact phone number and verify from the local directory of better business bureaus if the company is officially registered in the locality it claimed it had a physical address. Also, verify from the local telephone directory of the area if the phone number is officially registered. Take a step further and call the number and feel free to ask any questions that are bordering you and surely you can pick important clues from the answers. The fact is that fraudsters are neither articulate nor organized. They are very lazy and can easily fumble when confronted without prior notice. You might encounter a dramatic scene where the company owner is unable to state how its products or services works.

Here are Steps that can Help you Shop better Online

 Online shopping is a very interesting experience. It gives you the opportunity to compare the market price of one product from different sources and decide the source you want to buy from and all these are done at the comfort of your own home. Here are steps to improve your shopping  method: when you see a product or services you intend to buy, take the seven steps I listed below to be sure the company is genuine.

• Find out if the company physically exists.
• Do they have a contact address and a contact phone number?
• Check from telephone directory if the contact phone number is officially registered.
• check if they stated their privacy and return policies?
• Carefully go through their terms of agreement/warranty to find out if there is any clause that places unfavorable condition on their guarantee promises.
• Verify that their payment processor is a reputable company before you part with any cash or bank details.
• If you are not sure how your personal information will be used, feel free to ask questions on about it.

Again, if you want to go to any website, always enter the web URL directly into your web browser to be sure you are lunching to the intended website and avoid using any link offered from unsolicited e-mail.

When you finish your research and are satisfied that the site you intend to buy from is genuine, then choose a safe and secure way which will not expose your financial details to make your payment.

As online shopper, you should keep all your password unique and hard to guess.not used for any other internet account.  and change it regularly. Do not share it with any one and learn to change it from time to time. 

Use the following tips as a guide while formulating your password:

• Use at least eight characters, the more character you use the better;
• Use random mixtures of characters, upper and lower cases, numbers, punctuation,spaces and symbols;
• You can choose two words you will remember and interleave the letters: for example, if you choose airplane and  handbag, you can interleave the two words to have ahiarnpdlbaange as your password. It looks strange but it is easy to remember because you know what you interleaved, and the fact that it is out of stock in the dictionary makes it a strong password.
• Use separate password for every account.

Above all, trust your instinct. If you are concerned that something may be a scam, forget it. Don't ignore your spiritual antenna. It senses danger signals and brings it to your consciousness long before your brain begins to figure it out. 

Real Estate Business And Its Benefits

We venture into business projects to create wealth.Wealth creation is what increases our disposable income and empowers us to be a blessing to the people in our sphere of contact and to the society in which we live.
Real estate invest investment is a business opportunity which can guarantee consistent growth in wealth creation because it compounds accrued interest continually.

Using real estate home ownership program to build your wealth is highly recommended because it is very reliable. This business activity is unique because you can easily recover if you make mistakes in the purchase of lands and houses. As an instance, if you bargained for a property and ended up buying it without equity, you can still recover from such loss. Buying a property at zero equity (without equity) means purchasing a property that worth $60,000 exactly that same $60,000. What it implies is that if the value of the property did not increase on time in the area, your money is idle because it has not produced any wealth yet and has equally started depreciating in value. But if the property is located in a good site, you can easily recover from this mistake because its value will surely appreciate with time.

Another justification for investment in real estate business is that the initial capital you will commit into it is not excessively large, but it brings good return on investment over time.
Real estate market is very viable and the products attract buyers continually because lands and houses are products that people will always need. Many new families are commissioned on daily basis and a good number of them will start with rented apartment or houses.

With this investment, you can work with people's money. Banks are always interested to give loans once it is to buy properties. A mortgage is using other people's money as principal payment for a property. Your actual fund in the business may be a fraction of the total worth. As long as you are committed to paying both the fund borrowed to acquire the property and the interest it has accrued, you are actually increasing the equity in the property and you don't need to monitor how a property is doing on minute to minute basis.

Real estate venture is one business opportunity that requires less intellectual input compared to other forms of investment. While many investments require a lot of information, education, and skill acquisition for success, real estate business requires a handful of information on where to buy, what to buy, when to buy, and how to wait for the right deal.

Banks lend willingly for the investment because lending can be tied to the very property you are getting a mortgage on and the interest rates on mortgages are always generally lower than business loans.

It is very rare to find a location where really estate business is not doing well because property prices rise along with their peers. Most wealthy people keep their investment in it because it is considered one of the most secure investments. One thing is certain: the value of your investment in real estate can't nose dive to the level obtainable in share prices in the stock market.

Four Main Reasons For Poor Performance In Traffic Flow After Search Engine Optimization And How To Correct Them And Boost Traffic

Indexing software programs are used to locate sites on the web. The indexers, also referred to as search engines, regularly collect the names, addresses, and descriptions of any new sites. During this website registration process, the indexer requests for a list of keywords which will be used to categorize and identify the company being listed.

Whenever a web user initiates a search query, the search engine uses keyword matching techniques to search the web and list its search results. Simply put, a company must be registered with search engine and the keyword with which it registered should be same as the one keyed into the search box, for its website to appear in the search results. The benefit of using appropriate keyword is very clear because somewhere on the web, people are busy looking for products and services to fill their specific needs, yet you don't know what that particular need they have to fill is.

The answer is in the keywords they use. It is what unveils what lies in the customer's heart. If you know the keywords or the phrase your customers use to describe your products or services, and register it with the search engine, it will list your website as one of the search results each time a customer initiates a search query with the same keywords or phrase. In other words, if you know the keywords your customers use to describe the need they have to fill, it implies that you know exactly what need they have to fill. On the other hand, to optimize a website without accurate knowledge of what your customers need is the first reason for poor traffic to your website. It can be likened to opening a steak restaurant for vegetarians. Your duty is to find out the keywords your customers use to describe your products and feed them back with same by registering the phrase with the search engine. Once you select appropriate keywords, you create the persuasive buying momentum needed for each guest and build their confidence that they have found what's relevant to their needs. Any visitor will always look up to you as one with the solution to his particular need if your website uses his language to describe his need.

During web search process by Google, as an instance, the indexer (search engine) examines billions of pages of web content and provides its results in less than two seconds. The examination is a quick glance of each page and this quick glancing process could be poorly done on a page leading to the skipping of a valid page that would have been selected on the search results. The problem could be due to the type of software used to create the web pages or the structural design of the web pages. Therefore, using easy to use page creation software to create the web pages is the second reason for poor traffic after optimization because it creates tons of codes for the search engine to search through. 

On the other hand, sites whose structures contain a lot of frames is the third reason for poor traffic after optimization because frames slow down activities especially a quick search process that is expected to complete in less than two seconds. Your duty is to ask your web designer questions in that regard and he has to convince you that he is familiar with the implications of using cheap and low quality web page creation software and the use of too many frame structures in web page designs. And he should be able to tell you the technique he employs to avoid the pitfalls.

We have established before that the web content should contain the appropriate keyword. The content must equally have sufficient links for best result. It is wrong to assume that print content is web content. The difference is that web content can have multiple links while print content only ensures that page 3 is linked to page 2 and page 4. A link can give any of the following instructions:

• Click here for more details
• Chat with our customer care representative
• Contact us
• Buy now
• Subscribe to our free e-mail newsletter

Linking is very crucial to successful web content. Poorly linked web page is the fourth reason for low traffic and the remedy is to write content with enough links on all the pages.