However, there have been some concerns about the Univera business opportunity. In this article, we will go through and give an unbiased review of the pros and cons of promoting a Univera business, and see if Univera is truly a great business opportunity…or a great scam.

1. Univera – The Good

Univera was founded in 1998 by YunHo Lee, a Korean businessman that had long-suffered poor health. As the story goes, Mr. Lee tried all the tonics of conventional medicine with no results. One day, a friend gave him some juice from an Aloe vera plant, and made a “miraculous recovery”.

In fact, Univera is one part of the ECONET conglomerate, which consist of

• Univera
• Unigen
• Aloecorp / Russia Biomass
• NatureTech

The flagship product for Univera is their AgelessXtra nutritional supplement. They are also have a well-structured compensation plan for their associates. As a network marketing business, you earn up to 15% on direct signups, and up to 5% on your downline, depending on what rank you achieve. They also have a 2% profit sharing program for distributors that reach a certain rank. They also have a BMW car program that allows their reps to bank an additional $1,600 per month toward the payment of a BMW. Not too shabby.

2. Univera – The Bad

The Univera business opportunity looks really good at first sight; however, flags start to appear when we see their marketing plan. Like many network marketing businesses, Univera recommends that you grow your business with “relationship” marketing, i.e. selling product to friends, family members, and others that you know. Their program focuses on leveraging your “warm market” to grow your business which worked really well…50 years ago.

We live in a very different society today than we did in the 1950’s, when network marketing first got started. These days, most people do not have large warm markets, and even if they are large, most people do not like to be sold items from their friends and family members.

3. Univera – The Ugly

Another issue is the concept of marketing the business first, the product second. Like many compensation plans, Univera gives out the most generous bonuses for the recruitment of other associates, so form a distributors standpoint, they are compensated for finding distributors first, product-users second.

The problem comes when a new distributor (who is not making any money yet) approaches their warm market with a business opportunity to make money. There is a credibility issue that arises when someone who is making no money is telling other people how they can make a whole lot of money. Many network marketing companies try and resolve this issue with “3-way calling”, where the distributor calls their upline (who is supposedly making money) to talk to their prospect. Unfortunately, this only positions the distributor as a gopher instead of a legitimate business builder.

Growing a Univera business can be a great opportunity. They appear to have some good products, but there are plenty of companies that have great products, and many people that market great products never make a dime. There are also plenty of terrible products that generate millions of dollars in revenue (anyone remember the pet rock?) The difference is the marketer, and their ability to target their market effectively.

In closing, I would say that starting and developing a Univera business is lucrative if you know how to use the telephone, the Internet, and other effective marketing tools to grow your business. It is not a scam, but like any business, success will be determined by the skill-set of the marketer. Univera is definitely not a lottery ticket or a stock option – meaning, you do not just buy in and wait for a payout.

If someone does not have the first clue on how to market effectively, then I would suggest they either learn how to be an effective marketer, or else just use the Univera products as way increase personal health.

This article can be freely published on a website as long as it is not modified in any way including the author bylines and active hyperlinks.

Joshua Fuson is a professional marketer, and has marketed dozens of different products and services. He has participated in the generation of over $14 million dollars of revenue in network marketing in past 4 years alone. To find out how, you can go…here

To learn more about growing a Univera Business, you can get the Univera Success Blueprint

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Prior to marching with any business plan, it is vital for all the budding entrepreneurs to gaze closely and ask themselves certain crucial business related concerns.

Start-up capital and back-up funds:

Money makes money, even if it is only a home business. Ensure adequate finances to outfit manually and start promoting prior to taking the plunge. Do not anticipate making huge money in the primary stages of any commerce.

It is better to set aside adequate funds to gratify certain personal and family chores during the preliminary start-up tenure of any business. Discuss with other analogous tradespersons and explore how long it took them to become a workable businessperson.

Self-moving is the key factor that distinguishes an employee from an entrepreneur. A person lacking self-moving factor may find it difficult to launch any commerce. Conversely, a person who is capable to deem of a concept and can execute it successfully without prodding from someone else, may surely thrive in a business venture.

Endless Desire:

The employee works for someone else, and at the end of the day, can often get out of the office forgetting the job hassles and can just unwind at home. However, a person operating a business carries, loads of accountabilities, which ends in working for stretching hours than a usual employee.

If entrepreneurs admire what they are doing, and if their commerce is financially gratifying them, then they may not hesitate to put in those extra and stretchy working hours.

Yet again, there is no “wrong” or “right” here, instead it is merely a question of looking profoundly into the endurance and confident factor.

See if the family is ready to support or not before starting a business, as there are plenty of hazards involved in a commercial venture. Further, administrating commerce and possessing many responsibilities both personally and professionally may turn out very hectic.

Hence, it is vital for family members, colleagues, and friends to share the same point of views, as their emotional and morale back-up and apprehension are of great use to propel the commerce to new heights.

Enthusiasm:

Individuals who are not enthusiastic concerning their enterprises may find it difficult to get the required motivation and force to attain success. Select an interested commerce plan or commotion, because a standard business is that wherein entrepreneur possesses some prior knowledge regarding that commerce.

One important thing is that, there is nothing wrong with being an employee and working for some other firm, as there are many benefits in terms of job security, reliable income and ideal working hours.

Alternatively, if a person possesses the qualities of a good entrepreneur with a solid back up by sufficient proficiency and funds along with great morale back up from family and associates, then initiating a business may be the finest thing that an individual can ever think.

Jon Elton owns and operates a Best Penny Stocks Picks [http://thequarry.net] website to help other investors with their stock decisions. He also operates a Home Based Business earn money online site to help entrepreneurs gain experience and wealth.”

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Entrepreneurs practicing the art of business success know the power of networks. They take the time to identify and build relationships with key peers, mentors, and advisors. This inner network provides support, direction, and an increased number of people to assist.

Customer Centric

Business success requires an unwavering commitment to the customer. This commitment encompasses a mindset of understanding the customers’ world. Understanding the customer’s wants and needs provides the business with a greater opportunity to earn a loyal customer base. Focus away from business and profits, and toward what you can do to improve the life of your customers.

Humble Honesty

Business success requires the ability to know your strengths and weaknesses. Being open and honest about yourself and your business creates growth as an individual and as a company. Don’t spend time developing weaknesses. Find help for weak areas, enabling you to focus on strengths. Building our strengths instead of fixing our weakness is the path to mastery and success. Take the time to know yourself and business.

Adaptability

Business success requires the ability to adapt to changing situations. Nothing ever goes as planned. The world of business is full of surprises and unforeseen events. Using the habit of adaptability allows business owners to respond to circumstances with the ability to change course and act without complete information. Being flexible allows us to respond to changes without being paralysed with fear and uncertainty.

Opportunity Focused

Problems are a regular part of business life. Staff issues, customer misunderstandings, – the list is endless. To achieve business success, look at both sides of the coin. Every problem has an opportunity. Being opportunity focused makes the game of business fun and energising.

Finding A Better Way

Productivity is the cornerstone of business success. Formulate the habit of finding a better way to make your business more productive. This will create more time to focus on the critical issues that drive sales and profit. Productivity can be enhanced by technology, automation, outsourcing, and improving business processes.

Balanced Lifestyle Management

A business can consume your time and energy. It’s easy to allow the business to take control of your life. Business success requires the attribute of balancing all aspects of your life. Separating time for daily business tasks, profit driven tasks, and free time is a attribute that will make your business and life more enjoyable. Take the time to plan each week.

Learning and instilling new ways in your daily business life can have a dramatic effect on your level of success. Review each of the attributes. Choose one to focus on for a month or until you achieve mastery. Gradually incorporate each of the attributes of business success into your life and attain your business dreams.

James Chapman is an international consultant and speaker, who has advised many of the world’s leading firms.

He has had the privilege over the past 16 years to provide motivational speeches to many international organisations.

James Chapman lives with his wife and son in the Algarve, Portugal.

Telephone: 00351 96 7114086

Email: James_Chapman12@hotmail.com

Website: [http://www.adversityovercome.com]

Blog: http://business-success22.blogspot.com

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Nearly every business type can benefit from merchant processing systems, from restaurants to retail outlets and service stations. Choosing the right payment methods is important in order to best service customer needs while maintaining low processing fees. Let’s take a look at some of the possible services available.

POS Credit Card Payments

With the swipe of a card, customers can quickly and easily pay for products and services. This is a vital tool for businesses such as service stations so customers can fill their vehicles and pay at the pump. For such a business, the addition of a payment gateway, such as an electronic key fob tied to a credit or debit account, allows for an even easier payment method.

Retail outlets can keep their checkout lines moving fast with POS terminals that accept credit and debit payments. Restaurants can integrate tax and tipping options into their cash register for the benefit of their customers.

Small business owners can easily integrate credit card processing with their accounting software. This allows easier invoicing and payment tracking to ensure a steady cash flow and reduce errors. Any size business, from a one-person operation run from home up to a thousand employees or more, can leverage a scalable solution to meet the needs for both today and tomorrow.

Online And Mobile Payment Options

Many businesses are developing today that never even offer face to face or point of sale transactions. Amazon.com has built a massively successful business model with a completely online transaction system. Mobile phone services have boomed into a multi-billion dollar industry where the press of a button on a phone handles the payment. However, these merchant processing technologies are not limited to large-scale companies.

When travel is a requirement, mobile credit card processing is the most efficient way to support sales away from business headquarters. Processing through phone and Internet portals gives salespersons the flexibility to finalize deals across town or across country.

Online and eCommerce lives and dies by secure electronic payments. Accepting every major credit card type is vital in order to allow every customer to be able to access available goods. Security is also at the forefront of many people’s minds with the recent increase in identity theft; any merchant processing system will have to heavily emphasize information safety. Integrating online shopping carts, wish lists, and online account management will increase return business as well.

Mail and telephone order companies can also benefit from a merchant processing system in order to take credit card orders. Solutions are available for when the card itself cannot be swiped in addition to security features to prevent fraud.

In the end, a business that offers its customers a multitude of payment methods will increase their customer satisfaction and stand out among competitors.

Chris Harmen is a writer for BluePay, offering comprehensive merchant processing solutions for every type of small business.

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The TomTom ONE’s 3D driving view offers a clear picture of the road and maneuvers ahead. See the ONE in detail.

TomTom PLUS services give you the latest traffic and weather conditions. You can also download additional city maps, voices, points of interest, and much more.

The device’s icon-driven menu system makes using the ONE a snap. View larger.

Once you’ve input your destination, the ONE quickly calculates the best route. View larger.

You can even change your route to avoid traffic and roadblocks. View larger.

But it’s not just the broad geographical coverage that makes the TomTom ONE special. The user-friendly design also puts it a step above other navigation systems. The crystal-clear multicolor display makes for exceptionally easy viewing of maps, routes, driving directions, and other traveling information, such as mileage and distance. Measuring 3.5 inches, the TFT display offers a resolution of 320 x 240 to provide brilliant two- and three-dimensional graphics. The device also features 32 MB RAM and 380 MHz CPU, making it responsive and zippy. Using the USB port and the provided cable, you can use your PC to add your own points of interest.

ONE provides clear and accurate turn-by-turn voice instructions, so that you don’t have to take your eyes off the road while your vehicle is on the move. Voice instructions are issued at a speed-sensitive volume, so as your vehicle’s engine becomes louder or quieter as your speed changes, the volume adjusts itself accordingly, guaranteeing clear and easy listening. And because voice instructions are available in over 30 languages, just about anyone will find the TomTom ONE to be an invaluable system.

With its touch-sensitive screen, the TomTom ONE puts programming and operation literally at your fingertips to make sophisticated technology simple. The built-in database offers thousands of points of interest for you to use as destinations or reference points as you plan your trip. ONE will also provide a selection of available routes, giving you the option of avoiding toll roads or choosing between the quickest or the most scenic routes. The database includes zip codes to simplify your route selection, and for extra convenience, the TomTom ONE lets you save the addresses of frequent destinations, making route planning easier and faster than ever. Other display features include a compass mode to assist you with directional orientation, and an anti-glare screen for optimal viewing even in direct sunlight.

For additional navigational features to assist with trip planning, the built-in Bluetooth connection provides access to TomTom PLUS subscription-based services, so that you can tune in to the latest traffic and weather conditions, as well as download additional city maps, voices, points of interest, and much more.

Weighing less than 10 ounces and measuring 4.33 x 3.5 x 1.34 inches, the TomTom ONE can be easily installed in any vehicle. An included windshield suction mount holds it in place. Plus, with an operating temperature range of an icy -10 degrees to a sweltering 55 degrees Celsius (14 to 131 degrees Fahrenheit), the navigator is durable enough for New England winters or Arizona summers. The TomTom ONE is powered by an internal lithium ion battery that can be charged from your vehicle’s cigarette lighter with the included 12-24V adapter.

What’s in the Box
TomTom ONE device, suction mount, car charger, USB 2.0 data cable, and installation CD with connection software and manual.
TomTom ONE Portable GPS Vehicle Navigator

• TomTom ONE Carry Case and Strap
• TomTom Additional Mount and USB Car Charger for TomTom One
• TomTom USB Home Charger for TomTom GPS Units
• TomTom Carrying Case for the TomTom One v.3 GPS
• TomTom ONE USB Battery Charger

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First, it is very important to keep your receipts of business expenditures in an organized manner. It will take your accountant more time to input your information into your accounting system if your records are disorganized. Without proper documentation you will not get a true picture of your business.

Second, once you have your system in place for the organization of your records, stay the course. It is easy to let the organization of your records get out of hand. If your accountant has set up a system work with them to keep records in order and your accounting cost down.

Third, make sure your current business is profitable before you decide to expand. A premature decision to expand your business could cost you everything. Has your company reached its break-even point yet? The break-even point is the point at which your income matches your expenses. It is not until after you have reached your break-even point that you will begin to see a profit. It is important to know how much you need to produce or how much in services you need to provide to break even.

Fourth, it is important to set prices right. How much will the market you serve be willing to pay for your product or service? Your prices should not be higher than the market is willing to pay. If you have more products than you can sell consider reducing the price.

Fifth, budget wisely. Your company should have a budget just like your household should have. Can you determine from your company budget if you are over or under budget on your projected expenditures. Make a sound budget and you will be able to make sound decisions.

These ideas are just a few you should consider in making decisions for your business. The better your decision making process the greater the chance of your business succeeding.

By Edna Washington

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It is true that there are many advantages to acquiring an existing business; not least the potential to save a lot of time and effort. It is often viewed as something of a short-cut into business, as someone else has already shed the necessary blood, sweat and tears that are the inevitable cost of launching a new enterprise, but it is important when considering business acquisition as an option, to stop yourself from falling into the trap of seeing it as an easy alternative, for this is far from the truth.

Before even looking for a possible purchase it is essential to find an accountant to advise you of the various issues involved, or, if you are looking to expand by buying a business to add to your existing operations, it is vital that you sit down and consult your own accountant; an accountant’s experience will be invaluable to you throughout the process.

Probably the biggest disadvantage of buying an existing company will be cost; you are of course buying the afore mentioned blood, sweat and tears along with the concept, customer base, brand and ‘goodwill’ associated with the name and not just a set of fixtures and fittings. It is often this very stress and effort spent by the business’s original founders that causes them to be over-optimistic about the market value of their business, to ensure you are paying a fair price there really is no substitute for good research and professional advice.

If your budget does stretch to the greater initial outlay involved, it is important to consider the flip-side of those valuable assets mentioned above: for instance, if the business does have a loyal customer base this may at first appear very beneficial, but customers may associate any goodwill with the previous owners and leave when you take over the business. The ‘brand’ is established yes, but what sort of reputation does it have? A negative image associated with a particular name could end-up costing more time to fix than starting a completely new venture.

Cynicism in business is often a valuable tool; it is probably a good idea to ask yourself why any particular business is for sale: hidden debts or underlying problems may have given the owners a need to offload and this will not necessarily be reflected in the cost; even business owners passing-on a dud may have an over-optimistic view of their business‘ value. With this in mind there are probably a few things it is worth investigating: check carefully any profit trends and projections to confirm that the business is moving in the right direction; there should be forecasts available; Check the operations of the business, including sales, costs and assets. It is when reviewing the financial records that you’ll most need an accountant to step in, good accountants will offer a ‘due diligence’ service to thoroughly vet the financial health of your potential purchase.

If it is an existing business that you have decided will work best for you it is important to remember that unlike a brand new venture, which is something that can grow from your own vision, a going concern already has many people’s lives caught up in it; even after the business founders have handed over the keys and stepped aside, and the faithful customers have made a decision to either give you a try or vote with their feet, you will often still have others, not least any existing staff to whom you bare not only a moral responsibility, but also a statutory obligation with regard to their employment.

In short although there is often less personal stress involved in buying an established company, there is usually also less flexibly when you are inheriting someone else’s dream. You need to be very honest with yourself about whether you are happy to adapt what is already there and work within the existing framework.

Buying a going concern is a lot like buying a second hand car or an old house, and just like buying a second hand car or a house, the need for care and due diligence cannot be over estimated.

Sam Cole is the senior copywriter for Quote Accountants.com; she also does occasional freelance copywriting.

For more information on how to find an accountant visit Quote Accountants.com

You have full permission to repost this article providing you do so in its entirety, without alteration and with all links included.

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The basic principle of CRM is to facilitate organizations to manage their customers by the introduction of consistent systems and procedures.

Customer relationship management is a standardized business strategy that spotlights on development and maintenance of eternal relationships with customers.

Customer Relationship Management, in its widest sense, signifies managing all interactions and business with customers, which entails enhancing customer service in an infinite manner.

High quality CRM program facilitates a business to attain customers, cater their requirement, retain good customers, boost the value of business, and determine which customers ought to be preserved or bestowed with a top level of service.

Other Benefits:

A good CRM program boosts customer service by assisting communication in many ways:

o It offers product details, product usage information, and other technical assistance on websites that are accessible 24 hours a day, 7 days a week.

o It determines how every single customer classifies the product quality, after which, it designs a service plan for every customer based on these individual requisites and anticipations.

o It proffers a rapid mechanism to manage and plan follow-up sales calls to evaluate post purchase perceptive disagreement, repurchasing possibilities and repurchase frequencies.

o A good customer relationship management also offers a mechanism to spot all points in contact between a customer and the business firm. CRM executes it in a combined way to include entire source and all sorts of contact, which facilitate all the users to witness the same view of the customer.

o It assists to recognize any potential difficulties rapidly, prior to their entrance in the business.

o It offers a user friendly mechanism, to register customer complaints that are a prime source of customer disappointment.

o One key function of CRM program is that, it gathers details about potential customers. The program collects these information considering the customer’s privacy and data security.

o It also offers a rapid mechanism to operate difficulties and complaints to resolve them swiftly, so as to boost customer satisfaction.

o An excellent CRM program also provides a swift mechanism to correct service insufficiencies, prior to its encounter with the customers.

o It firmly utilizes Internet cookies to spot customer’s interests and consequently, customizes product assistance.

o It also uses the Internet to connect, with mutual personalization or synchronized customization.

o It possesses a swift mechanism to operate and plan maintenance, renovations, and current support to boost both effectiveness or efficacy.

o A good CRM program, when incorporated with other cross functional systems blends to offer accounting and production details to customers whenever they desire.

Success:

Experience from several businesses proves that an apparent CRM condition in consideration to reports is of great importance, prior to initiating any CRM program execution.

With an accurate demand specification, a business may save huge deal of money and time, based on sensible anticipations of system potential. A good CRM system is a tremendous tool for management and customer strategies.

Jon Elton owns and operates a Best Penny Stocks Picks [http://thequarry.net] website to help other investors with their stock decisions. He also operates a Home Based Business earn money online site to help entrepreneurs gain experience and wealth.”

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The smartest navigation solution for motorcycles. Click to enlarge.

Developed for bikers by bikers. Click to enlarge.

Rugged waterproof device, anti-glare screen, integrated sun visor, and gloves-on operation give bikers just what they need while riding. Navigation instructions are spoken via in-helmet Cardo scala-rider Bluetooth headset for great audio quality, external noise cancellation, and added safety and convenience. Itinerary planning helps riders to make the most of their time on the road. And with a choice of routes–including shortest, fastest, non-toll roads, and avoiding highways–you can explore the world your own way.

TomTom RIDER can even be used for safe hands-free calling with your Bluetooth-enabled phone.

TomTom has the most accurate maps, and with TomTom Map Share technology, you instantly can modify street names, street direction, points of interest, and more on your own device.

Included universal RAM mounting kit securely fits most bikes. Optional car mount kit accessory makes it easy to transfer from bike to car.

The TomTom RIDER is the ultimate in smart and easy bike navigation.

RIDER Features

• Maps of United States and Canada with TomTom Map Share
• Spoken Instructions
• Glove-friendly Touchscreen
• Waterproof
• Cardo scala-rider Bluetooth headset
• Universal RAM Mount
• Bluetooth Hands-Free Calling
• 3.5-inch Touchscreen
• Car Mount Kit–Optional Accessory

All TomToms Feature

Plug & Go–Works right out of the box.

Preloaded Points of Interest–Easily find millions of gas stations, restaurants, hotels, and more on your route.

30-Day Latest Map Guarantee–Up to date, off the shelf.

TomTom Map Share–Modify your own map and benefit from others’ verified changes with TomTom Map Share.

Help Me! Emergency Menu–Easily access local emergency providers, such as police, fire stations, and hospitals.

TomTom HOME–Always up to date.

Traffic Ready–Optional RDS-TMC traffic receiver accessory keeps you up-to-date on traffic events to minimize potential delays.

Fuel Price Service (optional)–Know more, pay less.

Why TomTom?

TomTom believes that personal navigation should be as easy and safe as possible. TomTom develops smart technology that gives you straightforward solutions, innovations to make life easy.

Easy to Use

• Award-winning navigation software
• Plug & go

Best Maps

• 30-Day Latest Map Guarantee
• Modify your own map and benefit from others’ verified changes with TomTom Map Share

Best Routing

• QuickGPSfix
• Traffic ready

Leader in Safety

• Help Me! emergency resources menu
• Safety preferences menu

About TomTom

Founded in Amsterdam in 1991, TomTom has established itself as a global leader in navigation by being an innovative company with a strong brand, clear customer focus, and high-quality products and services.

TomTom is a leading navigation solutions provider with navigation products sold in 30 countries and in over 20 languages. To further its commitment to car navigation, TomTom acquired Tele Atlas maps in 2008 so that the company can continually provide the most up-to-date maps and intelligent routing.

TomTom has its own mapping company!

Did you know that every year, roads change by up to 40% in high-growth areas? Tele Atlas manages this by using the world’s most comprehensive systems to identify and incorporate these changes into our maps with unprecedented levels of speed and accuracy. All TomTom devices benefit from the Tele Atlas advantage–more coverage, more points of interest, and more freshness and accuracy.

What’s in the Box

TomTom RIDER, Memory card (SD card) with software and maps, USB cable, High quality Cardo scala-rider wireless Bluetooth headset for in-helmet spoken instructions, RAM Mounting kit
TomTom Rider 2 GPS Navigator for Motorcycles and Scooters

• Rapid Car / Auto Charger for the TomTom RIDER 2nd edition – Gomadic Brand w/ TipExchange Technology
• TomTom USB Car Charger for TomTom GPS Units
• Lexerd – TomTom RIDER 2 2nd edition TrueVue Anti-Glare GPS Screen Protector
• TomTom USB Home Charger for TomTom GPS Units
• Bracketron UFM-100-BX Nav-Mat GPS Friction Dash Pad [Amazon Frustration-Free Packaging]

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