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As with improving customer benefits at similar price levels, you need to focus your organization’s thinking first on producing solid pricing test proposals. Watch out for the tendency for everyone to want to defer to those in sales for price-adjusting tests. Although sales people will certainly be a good source, they will often not know about key operating factors that should influence your thinking.

An alternative approach is to built multi-functional teams (at least one person from each function) to develop price-testing proposals that will improve your competitive advantage. The more people who can filter their thinking into these teams, the more you will learn. But don’t make the teams too large, of they will get bogged down.

If you have good relations with partners and suppliers, have them involved as well. You can also hold discussions with customers to understand the problems that pricing causes them now.

One business-model innovating company found that its pricing methods (not its prices) were by far its biggest barrier to improving customer relationships. A typical installation came with over 40 pages of invoices. How would you like to check through all that looking to see if you got all the little bits of wire that you were being charged for?

The following questions are intended to simplify your search for price-based business model advantages. Use them as starting points to creating your own questions that fit your situation the best.

How can you change the structure of your pricing to make it more attractive to buy increased volumes over what is purchased now from you?

In answering this question, you want to focus on making price disappear as much as possible from being a factor considered in purchase and usage decisions. You may find Disneyland’s use of multiple-day and annual passports to encourage people to return after the first visit to be a good metaphor. What can you do that would work even better?

How can a new price structure reduce your costs?

This question will be a very fruitful one for you. It requires understanding how your current pricing policies affect your costs. For example, many companies offer large specials at the end of fiscal quarters, especially the fourth one. Operations incur extremely high costs to handle these volumes while sitting empty during the early weeks of the quarter. How would your costs shift if you had a steadier load on operations?

You may also offer expensive customer benefits that everyone doesn’t want or need. If these are costly, can you charge extra for them and drop the base price for those who don’t need them? Again, remember that your standard costs will not tell you the story. You need to look at the economic reality of how you operate. Activity-based costing is designed for this measurement purpose.

How can changing your price structure make you more attractive to customers in non-price ways?

Can changed pricing make it more convenient to work with you? If people won’t be charged every time they call you, you may get more chances to sell them more business while being an on-going service provider. Can changed pricing make scarce resources more available to those who need them the most? Can pricing improve your image?

How can a different price structure both reduce your costs and make you more attractive to customers?

No, this isn’t the same as the last two questions. But by having first answered them separately, your mind will be primed to locate opportunities that combine both kinds of pricing benefits.

How can an improved price structure make better use of your resources?

Almost every organization has resources that are idle and potentially available, incurring costs, for some portion of the 24 hour-a-day, 7 days-a-week world. People are awake and working or playing then somewhere on the globe. How can you use pricing to attract and provide offerings for those who would use your idle or under-used resources?

How can a better price structure expand the market faster?

Answering this question often requires understanding how your offerings fit into the customers’ and end users’ worlds. At many points along the line, the way you price your offerings inhibits purchase and use.

How can you turn that around so that pricing encourages purchase and use? For example, you could have discounts that reflected such low marginal costs that almost everyone would take the offering.

When America On Line (AOL) first shifted from a time-related charge to a fixed fee for unlimited usage, the market expanded so rapidly that AOL struggled to keep up with the demand. A similar thing happened when AT&T’s cellular services put its One Rate plan in, that meant your price-per-minute for long distance calls was always the same.

How can we use the timing of price changes and price structure to assist in gaining market share?

Obviously, timing such breakthroughs to occur at times when you have plenty of spare capacity and your competitors don’t is one such option. Be sure to think about that question because companies that employ new pricing models are often surprised by how much their volume increases. If you aren’t prepared, you will have just caused a period of unhappy customers and ridiculously high costs as occurred both at AOL and AT&T.

Donald Mitchell is an author of seven books including Adventures of an Optimist, The 2,000 Percent Squared Solution, The 2,000 Percent Solution, The 2,000 Percent Solution Workbook, The Irresistible Growth Enterprise, and The Ultimate Competitive Advantage. Read about creating breakthroughs through 2,000 percent solutions and receive tips by e-mail by registering for free at

http://www.2000percentsolution.com .

Many small businesses today were begun or continued because of an opportunity. Businesses are often inherited or started without really being thought out. Some businesses become hugely successful while others will fail miserably and some will just putter along in mediocrity. Often the reason for each of these situations is due to education.

In the case of the wildly successful business that person has an education. But we’re not talking about some formal Ivy League school they might have attended. No these people are educated in running a business and in particular their business. Say the business is inherited then where did they get their education? Often it is because they’ve worked for that business for many years. The family member in charge of the business taught them the ropes. And they probably attended a college of some sort to give them a more formal education in addition to their on the job training.

Often small businesses are begun by people that have worked for another company doing exactly the same thing. They are trained by a company that now has become their competition. They know their business inside and out as a result. They’ve been able to observe the things that work and do not work. To fill in their knowledge gabs they then take classes in what they haven’t learned on the job. They learn things like accounting, financial analysis, and marketing. They learn about whatever is missing in their education.

Of course education might not be the only reason for failure but it is the most likely. If you decide to open a small business do you know the answers to the questions you will face? Do you know the answer to such questions as how to pick the best location for your business? How to do proper bookkeeping? What insurance do you need? How to comply with OSHA? How do you prepare financial statements? And many more such questions. Businesses fail because the people that start them don’t realize what they are getting into.

Finally we have businesses that putter along. Often this is intentional. Some people just want the freedom of being their own boss. They don’t have bib business ambitions and that is fine for them. But others would like to grow their business. These are usually the people that can use formal training. Often they know enough to operate their business but they lack that extra education needed to get over the hump. They might not know how to market their business. Or they might not know how to negotiate with their suppliers effectively. It can be any number of things that they are not sure how to do or they don’t do well enough. They know how to stay in business but not how to grow their business.

Education in business is a continual experience. Just because you’ve managed to get your small business up and running doesn’t mean you are off the hook. You need to learn all that you can about running it. Yes sometimes it seems as if we are too busy running it to be able to take the time to learn more. But you must make the time anyway. Sometimes your education should be of the formal variety such as a college course or seminar. And sometimes your education will be of the less formal type. Such as reading trade journals and researching websites for information.

Even though not everything you learn will be of use to you there are things that will be. You need to always keep the idea of furthering your education at the forefront of your thinking. It’s always better to know too much rather than not enough.

Cash Miller is an experienced entrepreneur and speaker who has spent over a decade as a small business owner. His years of experience in small business cover a variety of topics. If you are looking for more small business help please check out http://www.smallbusinessdelivered.com

The purpose of a letter of intent is to define the economic terms and conditions that apply to the pending business sale if the due diligence results in no material differences in the condition of the seller’s business. In simple terms, it means that if I go over your books and records in great detail and I verify that everything you had previously presented checks out, I am willing to pay you X dollars for your business under the set of Y terms. Below is a sample Letter of Intent.

Mr. X. X. LastName
Address 1
Address 2
City, ST Zip

PERSONAL & CONFIDENTIAL
Re: Purchase of Assets of ABC Corp.

Dear Mr. LastName:

The purpose of this letter is to set forth the general terms and conditions of the proposed purchase by NEWCO, a corporation (”Buyer”) of substantially all of the assets of ABC Corp., an Illinois corporation (”Seller”).

1. Purchase and Sale of Assets. At the Closing (as hereinafter defined), Buyer will purchase all of the assets including accounts receivable but not cash on hand and rights of Seller, including all real and personal property, contract rights, patents and intellectual property. All of the assets to be purchased are referred to below as the “Purchased Assets.”

2. Liabilities. Buyer will assume no liabilities of Seller except the following (”Assumed Liabilities”):

The obligations of Seller arising under purchase orders from the Seller’s customers in the ordinary course of business, sales orders issued to Seller’s suppliers in the ordinary course of business, leases of personal property.

3. Purchase Price. As consideration for the Purchased Assets, Buyer will assume the Assumed Liabilities and will pay to Seller the amount equal to the following: ___________________ ($__________) dollars (the “Purchase Price”).

Payment is to be made as follows: $ ___________in cash at the Closing, and the remainder by delivery of the Buyer’s promissory note in the principal amount of __________

The _______-year _____________ interest bearing note at the Prime Rate on the date of Closing will be issued by BUYER with interest paid quarterly and principal paid as a balloon payment at the end of the seven year term.

Employment Contract. Buyer and Seller will enter into an employment agreement which will provide for employment as Consultant and provide Seller with an annual salary of ___________ and such other normal fringe benefits as shall be mutually agreed upon and set forth in the employment agreement. In addition to the base annual salary, Seller will receive ___% commission on sales in excess of $ ______________ . The employment agreement will be for a three-year term. Basis of commissions shall be mutually agreed upon.

Recognizing that Mr. Last Name is a valuable resource to the well being of the ongoing business of SELLER, BUYER expects his daily cooperation as part of the total purchase price for at least the first six months after the closing. The employment agreement will require a minimum of _____ days and a maximum of _____ days per year.

4. Conditions. The purchase and sale of the Purchased Assets contemplated by this letter of intent will be subject to terms and conditions customary to transactions of the type, including, without limitation, the following:

No change occurring prior to the Closing which materially and adversely affects the Business, Purchased Assets, financial condition, and prospects of Seller; Completion of Buyer’s examination of the financial condition, properties and business of Seller which examination shall not have revealed the existence of any fact, matter or circumstance which in Buyer’s judgment could materially and adversely affect the Business;
Buyer obtaining financing for the purchase of Purchased Assets at terms which are acceptable to the buyer; and
Both parties agree to a Definitive Purchase Agreement.

5. Complete Access. Following the acceptance of the letter of intent by the Seller until the Closing, Seller will give to Buyer and its representatives complete access to all of its books, records, financial statements and other documents and materials relating to the Business and to Seller’s customers and suppliers.

6. Confidentiality. The information furnished by Seller to Buyer and its employees, advisors and consultants pursuant to Section 6 shall be subject to the provisions of the confidentiality agreement. Until the Closing, Buyer will at all times hold and cause its employees, advisors, and consultants to hold in strict confidence all confidential documents and information concerning Seller which have been or will be furnished by Seller to Buyer or its employees, advisors and consultants in connection with the transactions contemplated by this letter of intent.

If the transactions contemplated by this letter of intent are not consummated, regardless of the reason therefor, such as confidence will be maintained by Buyer, except to the extent such information (a) was previously known to Buyer prior to disclosure by Seller, (b) is in the public domain through no fault of Buyer, (c) is acquired by Buyer from a third party not known by Buyer to be under an obligation of confidence to Seller, or (d) is required by law or legal process to be disclosed.

Such documents and information will not be used to the detriment of Seller or otherwise in any other manner and all documents, materials and other written information provided by Seller to Buyer, including all copies and extracts thereof, will be returned to Seller immediately upon its written request.

7. Expenses. Buyer and Seller will be responsible for the payment of their respective expenses and professional fees incurring in connection with the negotiation an consummation of the transactions contemplated by this letter of intent, except as may be otherwise provided in the Purchase Agreement (as defined below).

8. No Other Negotiations; Brokers. Seller acknowledges that Buyer has incurred and will incur significant costs in reviewing and analyzing Seller’s business and proceeding in good faith to purchase the Purchased Assets as described herein.

Therefore, for a period of ___________ (___) days commencing on the date of Seller’s acceptance of this letter of intent unless Buyer notifies Seller in writing that negotiations in respect to the transactions contemplated hereby have terminated, neither Seller nor it shareholders will directly or indirectly solicit or make or entertain any offer or proposal from or to a third party regarding the sale or possible sale of Purchased Assets or a sale of the stock of Seller or discuss in any manner any such sale with any third party or provide any information concerning the Purchased Assets to any third party.

In the event that Seller or any shareholder receives any inquiry from a third party with respect to such a sale or possible sale, Seller will notify Buyer and inform such a party of Seller’s obligations under Section 8. It is understood that XYZ Merger Group, Inc. has acted as broker on behalf of Buyer and that Buyer shall be responsible for the payment of any and all fees and expenses due to such a firm.

9. Closing. It is anticipated that the closing of the transactions contemplated by this letter of intent (the “Closing”) will occur _____________ (__) days following the date of execution of the Purchase Agreement, but in no event later than ______________________________.

10. Public Announcement. The parties will make a joint public announcement transactions described herein, with the content and timing of such an announcement to be mutually agreed upon by parties. Each party will consult with the other party prior to issuing any press release or otherwise making any public statement with respect to the transactions contemplated by this letter of intent and will not issue any such release or make any such statement over the reasonable objection of the other party, except as required by law.

The parties will proceed diligently to negotiate in good faith towards the preparation and execution of a definitive agreement (the “Purchase Agreement”) containing the agreed-upon terms and conditions as well as the customary warranties, representations, covenants, and indemnifications normally associated with the purchase and sale of assets. It is understood that except for the provisions of Sections 6, 7, 8 and 10, this letter of intent is not legally binding on either Buyer or Seller, but that it is intended only to evidence the good faith intent of the Buyer and Seller to proceed toward the transactions contemplated hereby, subject to the negotiation of certain terms and conditions not dealt with herein.

If the terms set forth in this letter meet with your approval, please indicate your acceptance by signing both copies of this letter and returning one to the undersigned. Upon the return of an executed copy of this letter, we will instruct our attorneys to proceed with the preparation of the Purchase Agreement and related documents. Our offer to enter into this letter of intent will remain open until the close of business on _________________.

Very truly yours,
__________________________

Agreed to and accepted on this ____ day of _____________, 20____.

By:___________________________

Its___________________________

The Letter of Intent is non-binding so that if the buyer discovers some surprises, he can walk away with no penalty or he can attempt to renegotiate the previously stated terms and conditions. The seller should do his negotiating or have his advisor do the negotiating prior to counter signing the LOI because a smart buyer will try to lock you up for a period of 45 to 90 days while he performs his due diligence. This lock up means that you are not allowed to invite any other bidders into the mix until the period expires or until either party has cancelled the LOI. Once the due diligence is completed, then the deal is memorialized by a much more detailed definitive purchase agreement.

Dave Kauppi
is the editor of The Exit Strategist Newsletter, a Merger and Acquisition Advisor and President of MidMarket Capital, representing owners in the sale of privately held businesses. We provide Wall Street style investment banking services to lower mid market companies at a size appropriate fee structure.

The LLC is now the most popular business vehicle for new business in Texas. This is because it is a simple and straightforward legal entity to form and maintain but at the same time it gives business owners a lot of choices when it comes to taxes, ownership structure and operations structure.

The Texas Secretary of State significantly revamped the regulations applicable to the Texas LLC in 2003 when it enacted the Business Organizations Code. This Code did not become effective until 2006. From 2006 on, the TX limited liability company is governed by Title 3 which covers the Texas Limited Liability Company Law.

LIABILITY PROTECTION

The biggest reason to form a Texas LLC is protection against personal liability. A business run as a sole proprietorship without a legal entity places the owner entirely at risk for personal liability. Given our litigious society and its growing number of plaintiff attorneys looking for cases, every business should operate with a legal shield.

The legal shield states that members (who are owners) are not liable for the business obligations, lawsuits and other liabilities of the business merely because they are owners. This protection is a tremendous benefit that becomes more significant as your business becomes more successful and thus becomes a larger target for lawsuits.

EASE OF EQUITY CAPITAL RAISING

Many new businesses need access to capital when starting. While borrowing money is the most common option, many business owners opt to raise equity capital by raising money in exchange for issuing ownership interests in the business.

Because the Texas LLC has an ownership structure where members can own defined ownership interests similar to the stock of a corporation, the raising of capital is much easier to structure and document as compared to a sole proprietorship. Plus, most investors will require a legal entity structure for their investments.

MORE TRUSTWORTHY AND PROFESSIONAL IMAGE

Customers are very skeptical today and with reason. After all, there are so many scam and pretend businesses out there trying to take money from customers. It is so easy to say you are a business because anyone can just come up with a business name and call themselves a business.

By taking the time to form a Texas LLC for your business, you are evidencing a significant business planning step which is a sign of a serious and legitimate business. Customers will see the LLC designation after business name and perceive more trust. You can get more customers faster with a TX limited liability company.

FLEXIBLE AND EVOLVING BUSINESS STRUCTURE

Most businesses start out needing a very simple and straightforward ownership and operational structure. The Texas LLC meets these needs because it requires a lesser number of formalities and maintenance requirements than a corporation. The LLC can be set up fairly quickly.

However, any successful business will evolve over time and as it grows, there may be a need to alter the LL structure to account for growth or more complexity. For example, the LLC may hire more employees or managers later or it may need to issue more ownership as new members are admitted to help with the business.

A Texas LLC allows a business to define for themselves, matters of relative rights, powers, duties and voting rights among members or managers. This prevents having a one size fits all management structure that may not be appropriate for your particular business.

CHOICE OF FEDERAL INCOME TAX STRUCTURE

One of the main reasons the TX limited liability company is so popular is because the Internal Revenue Service allows for an LLC to choose its choice of tax structure. Unlike the period prior to 1997, there are no longer any additional requirements to qualify for a single layer of pass through taxation.

When you form a Texas LLC, the default taxation rule is a single layer of pass through taxation. For a single member entity, it is called disregarded entity taxation and for a multi-member entity, it is called partnership taxation. This type of taxation avoids the potentially significant double taxation effect of corporate taxation.

However, in some circumstances, your accountant may deem a corporation tax structure as more appropriate for your business. In these cases, a Texas LLC can elect to be taxed as a C corporation or an S corporation (if it meets the S corporation requirements). No other legal entity has this many choices when it comes to how it will be taxed.

In order to gain all these benefits and not place your liability at risk, insist on a complete and proper Texas LLC formation using a reputable attorney or a Texas experienced LLC formation service provider.

For a FREE Texas LLC Guide or Name Search and to Learn More about how to Form a Texas LLC using the fastest, easiest and affordable service from Texas LLC experts, visit http://www.TexasBusinessFormation.com

Several times a day, you probably get a telephone call offering you some new product or service that the tele-marketer claims will be really helpful to you. You don’t have time to listen or to try out all of these things, so you probably avoid whatever is being offered. Your potential customers may see your new pricing structure the same way. How can you overcome that barrier to attention?

Sometimes the benefits of a new business model just have to be experienced to be appreciated. Customers are naturally suspicious in such a situation, and don’t want to waste their time and money. Temporary price cuts can sometimes overcome that resistance and help establish credibility faster and less expensively than other methods. When you are using this approach, you should be sure that everyone understands that the low price levels are a temporary way of introducing what’s new.

This approach has been highly effective in helping retailers with new concepts build initial traffic into the store. Take items that everyone trusts the quality of, and offer them at a price that is unlikely to be repeated. Advertise those offers all around, and you will soon be wall-to-wall people. Make the experience a good one, and they shoppers will be back when the prices are raised to sustainable levels. To get the best results, you should have the bulk of your items at normal prices during the introductory period so people can get a sense of what the costs will be like when they next return.

By developing price-based introduction methods as part of your new price-based business model, you enhance its effectiveness. Let’s look at Southwest Airlines. The company is still expanding its national availability on a city-by-city basis. Southwest doesn’t want to be in just any airport. It wants to be in airports near where the people are that are not crowded and do not experience many flight delays.

When the company enters a new city, it offers extremely low fares in order to entice people to try its no-frills, good service features. This usually triggers a price war from competing carriers, and draws a lot of attention. Southwest performs well during this period, and soon will have 30-40 percent of all the traffic at the new airport.

At the same time, the price war usually leads to permanently lower prices at that airport. Flyers develop a new habit of traveling to that airport, and the volume of the airport may increase by more than 50 percent in a year. Habits have been reformed in favor of Southwest in a way that is consistent with the company’s normal, low-price philosophy. That’s a good concept for your to apply as well.

Donald Mitchell is an author of seven books including Adventures of an Optimist, The 2,000 Percent Squared Solution, The 2,000 Percent Solution, The 2,000 Percent Solution Workbook, The Irresistible Growth Enterprise, and The Ultimate Competitive Advantage. Read about creating breakthroughs through 2,000 percent solutions and receive tips by e-mail by registering for free at

http://www.2000percentsolution.com .

To a small business name recognition can mean everything. Often small businesses are built by word of mouth and some business cards but so much more can be done to help your business grow. You need to develop your small businesses image. It needs to become a brand. Even if your company only serves your local market you can still build up its brand name.

So what exactly is branding? Branding is the process of creating a clear, consistent message about your company or product. Branding is about developing an image for your business. It’s about building a name for yourself, and showcasing what sets you apart from other businesses that do what you do. And with all the different forms of media in use today branding is used to send out a consistent message to consumers.

There are many aspects that can be covered when we talk about branding but they all start with one theme. A business must build and display a consistent message for consumers. Branding refers to the concrete symbols that are used such as a name, logo, slogan, design, fonts, color scheme, symbols and sound for easy identification of the product. Building consistency for our brand is the first step in building our image.

Okay so what exactly do we mean by building consistency? Well from the first day your business had its doors open and you made your first business transaction you started sending out your message. The message you decided to send was actually made before you opened your doors. You started making your choices when you ordered your business cards, letterhead, stationary, and signage for vehicles, signage for your storefront, and uniforms for you and your employees. Everything that your customer will see related to your business is a part of the image and brand you are trying to develop.

When someone looks in the phonebook and finds your company they are exposed to your brand because they see your advertising. If they first want to find out more information on your company they might check out your website. This is another opportunity for them to see your brand. When they come to visit your location or you go to see them this is another opportunity for them to see your brand through building or vehicle signage. And then you give them a business card or brochure telling them about your product or service. Once again they are exposed to your brand.

From that first contact your potential customer receives exposure to your brand and then each instance thereafter reinforces that first contact. If you run television or print ads this can further reinforce previous contact with customers. If their experience was good when they dealt with your company then when they need such a product or service again they’ll remember you and be inclined towards doing business with you again. And when they hear of a friend that is interested in the same service they may be inclined to recommend you.

Your business is a brand especially if your business is service oriented and does not have an actual product. And your brand building begins before you even open your doors to the public. It needs to be a part of your marketing plan for your business so that you can begin to imprint it on the consciousness of consumers as soon as you open your doors.

Cash Miller is an experienced entrepreneur and speaker who has spent over a decade as a small business owner. His years of experience in small business cover a variety of topics. If you are looking for more small business help please check out http://www.smallbusinessdelivered.com

When you are new to investing you may have little or no funds with which to invest with. Let’s take a look at several ways to get access to money so you can begin your investment career sooner rather than later.

1. Savings – The old fashioned way like you were told to do as a kid. Remember, all great investors are great savers. If you are not saving money now then you are never going to become wealthy until you start saving. Make sure you pay yourself before you pay anybody else. Simple but powerful words.

2. Sell something – In this modern society we live in where we just have to own the latest of everything. Well the good news about that is that you are bound to have plenty to sell. Put an add in the newspaper or the easiest way, E-Bay. Now the harsh reality, stop spending money on things you don’t need. Wait until you have real wealth then pay cash for them.

3. Tax – Minimize your tax as quickly as possible. The wealthy don’t become so by paying lots of tax. Get yourself a great accountant and get good advice on how to lower your taxable income. There are plenty of ways to do this. Starting a side business is a great idea. Pay your expenses and spend, then pay tax from what is left over. It is much better than being taxed and then spending what is left. This will send you broke, quickly.

4. Income – Tomorrow you are going to see your boss and get that pay rise. However, first you need to get your reasons down on paper why you should get a rise. Write down some good solid reasons why you should get one. If you don’t deserve one then take a long hard look in the mirror. If you can’t do your best working for someone else how are you going to give yourself the best? Be the best that you can regardless of what activity you do and the rewards will come. Ask for 10% extra. If you don’t get it but you know you are worth it, then get another job. Only you will know if you are worth it.

5. OPM (Other peoples money) – The most successful business people in the world today always use OPM, always. Do you think Donald Trump puts up his own money to finance that new tower? No way, he never puts up his own money. Use the banks, or do vendor finance deals. Borrow, beg or (actually, you better not steal) borrow some more. As long as the investment pays more than the interest things will work out. You must do due diligence here. Good debt is the key here and I will do another article on good debt shortly.

6. Using equity – So you own a house or part of a house. Excellent, then you have valuable equity which the banks love and in Australia you can release about 80% of that equity. Should you spend that equity on a holiday like the rest of the herd? No. Put that money to work in property or shares and allow yourself to have the income that it produces.

7. Parents equity – Times are getting tough, that is for sure. Talk to your parents if you can and explain that it a new world for young and smart investors. Go over everything and show the folks exactly how your chosen strategy works and how you both can benefit. Profit share with them if you like. Better yet, teach your parents and give them a better retirement. It is your duty.

8. Superannuation (401K) – Are you satisfied with the institutions taking care of your life savings with various financial planners and fund managers getting massive trailing commissions? Then start to manage your own SMSF (401K) and put it to work harder and smarter. There are some awesome opportunities out there right now and you can find one that resonates with you. Pay for good advice here. I repeat, pay for good advice.

So there you have it. Eight ways in which to get a leg up in your new investment journey. You might not be able to do all eight ways, but I’m sure you can access at least four of them.

Clint Maher is dedicated to helping others learn about wealth creation. You can visit his website and get your free E-book and DVD to learn how to invest. You can view his wealth creation blog.