World of Education/World of Education.iso/world_b/bbr9307.zip/BELL9307

Text File | 1993-07-20 | 37KB | 678 lines

     AMERICANS TEND TO WORRY ABOUT THE WRONG THINGS!

      A recent front page column in the Wall Street Journal indicated
     that the Federal Reserve is still concerned about inflation rearing
     its ugly head.

      Sometimes I think Americans tend to worry when they have nothing
     better to do.  The WSJ usually treats its Fed watching seriously,
     but this column had a tongue in cheek attitude.

      There is some very basic misunderstanding which causes this
     continuous flexing of the worry muscles over whether the economy
     will be hit again by the fiercest of devils - inflation.

      We have not been in a true state of inflation since the last time
     the prime interest rate was front page news. It was changing so
     consistently it became the topic of conversation to John Jones who
     was concerned about whether he and his wife would ever be able to
     qualify for a mortgage loan.  That was in the early 80s.

      A rise in the consumer price index - better known to the world as
     the CPI - is an indication there is some growth going on.
     Although, the technical definition of inflation is a state of
     constant rising prices, the world accepts the growth rate in the
     CPI.  It acts and reacts as if it's true; and that's all that
     matters.

      Bottomline is one very simple premise - we (the aggregate economy)
     need to see some numbers indicating there is growth going on.
     Rising prices are indicative that the laws of supply and demand on
     working in the economy.  The more folks buy, the more merchants
     charge.  That, however, is not happening.  An increase in buying
     translates to an increase in jobs, an increase in factory inventory
     as well as the Gross National Product (GNP).    This is the picture
     which should concern all citizens in a slow moving economy.

      Without growth, we have stagnation.  Everybody in the picture is
     afraid to do much of anything.  Consumers are afraid to buy,
     investors are afraid to put money into anything but slow growth
     arenas.  The risk takers pull back and hold onto more capital.
     (Some of the banking industry is simply holding more revenues in
     the vault.  While this is a plus for the rainy day syndrome, it
     accomplishes absolutely nothing for the guy who needs a small
     business loan or for the bottomline of their annual report.)

      Right now the economy is in a state where it is afraid to breathe
     too hard for fear of new red tape and/or tax situations which will
     interfere with future potential growth.

      Nothing should be farther from the minds of the American public
     than new fears about inflation.  Actually reports of an expected
     slight increase in inflation (the CPI) would, at this point, be an
     incentive to the some major areas of the economy to increase their
     activities.  If there is no anticipation of price increases, there
     is no incentive for possible additional profits.  Things just sorta
     come to a stand still.  In effect, that is what happened following
     the crash of the 1920s.  The farmers couldn't give their food away.
     The market had just stopped.  I am not postulating that this
     possibility is in the offing of the immediate future; however, a
     fear of the return of inflation is the least of our worries.



     MISSILES OVER IRAQ!
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      Am I the only one who wonders a week later why this story seems to
     have died on the vine.

      There is an old political/economic idea that the threat of war is
     good for the economy.  If one is to have war it usually requires an
     immediate increase in the tax base.

      Maybe I am getting a little skeptical at my age, but we should at
     least shake our collective head and give thought as to why, when
     Congress is getting lambasted and jostled into passing tax
     increases on several levels, there is an independent decision made
     by the Commander and Chief to launch an attack on Iraq.

      The flip side of this, of course, is that it is sending a subtle
     message to those in the defense industry that there will be a need
     for some of their projects to receive continual funding.  We, as a
     nation, have to stand ready to defend ourselves against
     assassination plots against exPresidents.  'Take heart, even though
     I am closing some bases in California, we'll still need you.'  I
     don't think President Clinton is as ignorant in ways of politics as
     some of the commentators may want us to think.  There is more to
     our new leader than has met the proverbial eye.  He is not one who
     postulates about all of his agendas in public forums.  It requires
     looking/reading between the lines.  All of which will be subject to
     various commentaries and analytical postulating for quite some
     time.




     HISTORICAL COLLECTING
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      The Fourth of July weekend found me in front of the tube on Sunday
     morning listening the weekend wrap of a report from the editors and
     publishers of the Wall Street Journal.

      They had a short piece running on the value and the markets
     involving American historical documents. Overall, the  good news
     appears to be continued appreciation over the years of between 15%
     and 30%, depending on what kind of documents you are holding.

      One of the 'experts' interviewed advised viewers that for the sum
     of $500 - $1,000 one could, if shopping wisely, pick up quite a few
     pieces of Revolutionary documents.  It was advised, however, to be
     on the lookout for fakes and forgeries.  Knowing history is a
     prerequisite for proper scrutiny.  Dates, time and location of
     historical figures help in making sure the document is authentic.
      Also, the experts advised that letters from  great grandfathers
     may  have value even if your lineage isn't recorded in the history
     books.  The only requirement is your ancestor witnessed something
     of historical value.  The example given on the newscast was
     General Grant, for instance, visiting a camp inhabited by one of
     your ancestors, who had the intuition to note this in a letter
     written back home.

      If you are interested in this kind of investing, I would suggest
     finding out if there are any local clubs/organizations providing
     additional educational materials.



     BUSINESS AND PERSONAL FINANCIAL MATTERS
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      I realize after some personal interaction this month that
     individuals are still managing their lives with more strangleholds
     than necessary.  They are weighed down by the spending habits of
     the 80s and are now living under the constraint of being cash poor
     while being surrounded by toys.  I have even met someone who has
     more cars than he can drive.  One for everyday use and the other
     for when he wants to take long trips.  While he was married, his
     wife used it.

      We seemed to have created a group of folks who envision lived the
     American dream of "he who dies with the most toys is the winner."


      Not only is the Corporate America downsizing, but so is the entire
     economy.  I chatted with an ex-entrepreneur the other day who is in
     the process of simplifying his life to the point where he can
     maintain his current lifestyle only spending $150 a month.  He has
     dollars from a recent sale of his business and has put them into a
     boat. He is planning on living on the boat.  Think about that for
     a minute.  If you were a fisherman by nature and had a phone
     installed with the required extras, it wouldn't take much.  I am
     not advocating we all take up living at the closest Marina, but
     there is  something to be said by this man's decisions and
     insights.

      We need to also think about this in our business operations. I
     showed a draft of my business plan to an attorney.  He wanted to
     know why my monthly phone charges were so low.  I guess I am
     missing something.  Is there an unwritten law out there which says
     because I am in business I have to run up $500 a month in phone
     charges?

      Simplify your business and personal life.  Learn to understand
     that during this economy that less is more.  More dollars which can
     be turned back into your pocket and used for other things than
     maintaining capital equipment which you can probably get away
     without having.  An economist on the same Wall Street Journal
     broadcast predicted that 1993 is simply going to be a repeat of
     1992 as far as growth goes.  Nothing big is going to happen soon.
     So, plan for the need of living a simple life both personally and
     on the business level for quite sometime to come.  One can always
     upgrade one's lifestyle and equipment at the right time.



     HI TECH NEWS
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     Online Investment Information

      For those you who are CompuServe members and interested in
     investing, here's a piece of news which may interest you.

      These facts were retrieved from Dow Jones/News Retrieval.
     CompuServe Inc.,  an unit of H&R Block Inc., and All Quotes Inc.
     entered a five-year, $5.2-million agreement for All Quotes to
     provide dial-up access for  CompuServe's customers to retrieve
     financial data from All Quotes host computers.

      In a press release, the company said with a modem-equipped
     computer, All Quotes' Subscribers can tap into financial
     information including stock, option, commodity and foreign exchange
     trading and quotation information, as well as business and
     financial news.  Access is expected to be available as early as
     August 1, 1993.

      CompuServe Inc. provides frame relay, wide and local area
     networking services, business information services and software to
     major corporations and government agencies worldwide.  All Quotes
     Inc., collects and electronically distributes low-cost, real-time
     financial information.



     DOING BUSINESS ON LINE JUST GOT EASIER
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      For all those entrepreneurial bbs folks, you have probably
     encountered a board at sometime where you wanted to talk business
     and tried to advertise your product through e-mail or a forum.  You
     got squashed by the sysop and told that you would have to pay for
     advertising.  For east coast bbsers your prayers have been
     answered.

      EntreNet launched Home Office Network On-Line officially July 1,
     1993.  The board is located in New Jersey but is planning low-cost
     interconnect services in the near future.  One of the board's
     members has already done $21,000 in business because of using their
     service.

      This board is dedicated to the at-home-professional, whether a
     newbie to bbsing or veteran.  $89 is the annual fee and will get 3
     hours of on-line time a month.  After that the charge is $.10 a
     minute.  Unlimited classified ad space is available.  Along with
     the subscription comes a color ad, which will be posted for a year.
     Doing business is encouraged and is this board's sole purpose.  It
     is a menu driven package and simple to get around on even the first
     time.  Voice phone is 908-647-6530.  To register, set your
     parameters at 8, N, 1 and 908-647-2202.



     PROBLEMS IN THE WORK ENVIRONMENT
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      The news is still full of folks showing up at their old work
     places with shotguns and emptying a few rounds into anyone who
     happens to be in the way.

      An ex-colleague/friend is about to file her second Workers'
     Compensation case against a national insurance company for injuries
     resulting from repetitive motion work.  She is so crippled with
     pain at this point, she has to take sleeping pills to be able rest
     during the night.  Turning a key in the lock of her apartment has
     become a lesson in pain tolerance.  Nothing amazes me anymore.  But
     I still wonder where Corporate America is hiding its collective
     head when it comes to constant news on this topic.  You can't open
     a newspaper or turn on the television without hearing something on
     the subject.

      Treat your employees as a partner/team mate and it will be
     surprising how much gets accomplished.  No matter where you turn
     these days, it seems that you can't avoid headlines about the
     raging increase in costs revolving around either Workers'
     Compensation or law suits dealing with unhappy ex-employees.  This
     is not to say, by any means, that the corporate structure doesn't
     require order and a proper methodology behind which required tasks
     are accomplished.  It simple states that treating an employee with
     decency and humanity may save your company thousands down the road
     in attorneys' and doctors' fees.

      If these problems were significantly cut in our Corporate economy,
     just think about how much more capital would be available for
     expanding and investing.



     JUST HOW LOW IS LOW
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      I recently read an article in the current issue of a Smart Money
     on how it is easy during this time of a slow economy to get
     bargains on just about anything.

      Those who have steady jobs and disposable income are entering into
     the secondary housing market and cleaning up, sorta speak, on homes
     which have gone through foreclosure.  On the primary mortgage
     market, distressed sellers can usually be bargained with after
     tiring of property which hasn't moved for over a year.
     Construction workers in order to get revenues coming in are willing
     to bargain for the lowest bid in town.  Car sellers bargain all the
     time.

      The article inferred that just about all pricing out there is open
     to negotiation.  Bargain hunters are having a great time, while the
     rest of us are developing ulcers watching a rising unemployment
     rate.

      Americans are raised to think bargain hunting is as American as
     baseball and apple pie.  However, there is a negative long term
     effect to this thinking.  We are in an economy when instead of
     prices threatening to increase on a wholesale basis, sellers are
     constantly coming up with gimmicky lines just to lure buyers into
     their market.  They usually have to negotiate further to get a sale
     to close.

      Yes, supply and demand is working.  Demand is down, so prices have
     to drop.  It is an inevitable law which will continue to work until
     there is again an increase of buyers.  Then, again, the supply will
     be increased; and in order to finance inventory, sellers will raise
     prices.

      However, let's look at a little bit of history.  One of the
     reasons the depression and the aftermath of the 1920s stockmarket
     crash carried on so long is that the marketplace as we know it came
     to a virtual standstill.  The market needs an incentive to keep
     prices steady so eventually  when pent up demand finally begins,
     prices again will rise; otherwise we are putting the economy in a
     dangerous position for longer troubles.  If you check the history
     of the happenings around the early 30s, you will see that the
     market for farmers' produce simply stopped. They finally had to
     give their crops away.  God forbid that we have to relive that part
     of our history.



     CREATIVE FINANCING IS BACK TO HAUNT US
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      I predicted sometime in 1990 that creative financing would come
     back to be a large player in the real estate world.  It has and is
     here to stay for probably quite  sometime.

      Basically, creative financing means that the whole mortgage is not
     going to be carried by the typical lender.  All of those loans
     which go with a conventional mortgage lender have to conform to
     Fannie Mae guidelines.  Otherwise, the lender is stuck with the
     mortgage in his portfolio, either for the life of the loan or until
     the property is resold.

      With creative financing a portion of the mortgage is written so
     that the note is held by seller and payments made to him instead of
     the bank.  This alternative crops up when money is tight and the
     buyer doesn't have to ability to finance the typical 80% loan under
     Fannie Mae guidelines.  Additionally, it can cause problems down
     the road, because the seller is not going to give up title to the
     house until his paper is paid off.  This means that sometime in the
     future, there can be a question of title.  Also, since along with
     this kind of packaging may come the fact that the new buyer is only
     buying time to live on your property.  A lot of this paper may be
     interest-only loans with principal payments due in 5 years.  This
     makes the whole deal very risky.  It also creates a situation where
     the new buyer if finding himself in financial stress, wouldn't
     think twice about simply walking away.  He isn't earning any equity
     in the property during the first couple of years; and you as a
     seller, are still holding the title.  Creative financing can, if
     not looked at very carefully may create very large financial
     headaches for those involved.

      Another new twist in the demand for moving homes during a slow
     market has been pointed out to me. Avoid the temptation if you are
     trying to move a piece of property.  A group of unscrupulous
     investors have sprung up looking to take advantage of people who
     need help with their downpayments.  They write them a so-called
     "gift letter" for the needed amount.  The buyer deposits the money
     in  his/her account.  After it has passed the scrutiny of the
     escrow officer, other paper is written and it turns into a note
     with a high interest rate.  If Fannie Mae was ever to get the drift
     of such goings-on, the bank could very easily call the whole
     mortgage due and payable.

      If you hear of anyone involved in such practices, it would be wise
     to advise them of the possible consequences.  Creative financing
     always was and will continue to be a risky situation.  Do not agree
     to enter into such a contract without it being reviewed by a
     lawyer.

      Also realize that times are tough for qualifying buyers for
     mortgages.  Mortgages used to be written with the idea that down
     the road one's salary and income would be rising as one moved up in
     the world.  The way loans are being written still reflect that
     decade-old thinking.  Otherwise, we wouldn't have things such as
     balloon payments and interest-only bearing loans for the first few
     years.  This type of instrument is dangerous and can put you into
     deep financial danger.  However, if you only are planning on
     staying in the house for a few years, it can be the way to go to
     get your foot in the door.



     GOLD BUGS AND DIFFERENT WAYS TO HAVE A PIECE OF THE SHINY STUFF
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      It was just a little while back that I saw a short piece on the
     different ways to invest in gold during our current economy.
     Whenever it becomes budget time either on the national or state
     level, gold bugs seem to pop out of the woodwork.

      Even though we are in a time when the economy is not threatened
     with rising prices, there is still a lot of uncertainty in the air
     when it comes to where investors look for safe investments.
     Another fact to consider is liquidity - how fast can you get cash
     if the need arises.  Rates of return, tax free income and
     appreciation are all things to be taken under consideration.

      Gold brings a certain amount of return based on its appreciation
     - rise in value.  If, on the other hand, the gold market has a bad
     year, its price may actually go down.  No matter how much anxiety
     there is in the economy as a whole or just the investment
     community, there is a certain luster about gold for investors.

      There are pros and cons on both sides of the fence to  warehousing
     the gold. If you decide to hold the gold, there is the question of
     security and the ability to transfer it and/or help dispose of it
     when selling.  Brokerage houses provide services to customers who
     want to purchase limited ounces of
     gold and/or other precious metals - warehousing and the means to
     aid you in selling when liquidating.

      Gold bullion, coins and the actual hard stuff, of course is only
     one way to go to spend your investment dollars.  Choices include
     mining stocks and gold options.  No matter what you do, you are
     hedging your investment dollars on which way the market for gold is
     going to go.  In the case of mining stocks, you are also betting on
     how wise the management team of the corporation is.  When you are
     simply plowing money into the hard core commodity, then you are
     waiting to see which way the market will swing.  One can easily
     find the prices on a daily basis for gold and silver in the Wall
     Street Journal or the stock pages of your local newspaper.

      One does not have to be able to afford to buy a whole bar gold to
     get into this field of investing.  If you buy through a brokerage
     house, you can buy in smaller units. Alternatively, you chose to
     invest in old coins, either by visiting your local coin hobby store
     or by reading the local newspaper columns devoted to collectors.
     This allows the investor to start with a dollar amount he feels
     comfortable with.

      There is a side benefit to collecting coinage.  We are living in
     perilous times.  There have been earthquakes, floods and hurricanes
     which have destroyed cities, states and geographic areas.  Pampered
     Americans would never stop to think until the power is down how we
     would conduct our daily lives, if forbid, the neighborhood ATM
     machine didn't work for a month.  Yep, collected coins could turn
     into during a time of crisis a medium of exchange.  Nobody knows
     during a time of national crisis what paper money is going to be
     worth when the money market is stabilized again.  The Russian
     citizens are still going through the situation.  Anyone shopping
     over there will probably find out very quickly that merchants are
     much happier to trade in U.S. currency.

      A little bit of gold in one's portfolio is always wise no matter
     what state the economy is in.



     ENTREPRENEURS AND THE PRESS
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      Anybody who has dreamed of operating his own shop or is an active
     member of the business community would love reading his or her name
     in the local newspaper.  Dollar signs light up. Visions of a line
     of non-stop customers on the phone lines and in front of their
     place of business are a part of this fantasy.   It's also one of
     the reasons entrepreneurs spend outlandish amounts of dollars for
     advertising.  Nothing beats good publicity. The key is that it
     can't be bought.  Here are some important factors to keep in mind
     which can give you an edge in your quest to get your company's name
     mentioned in a news story.

      o  Become active in local professional organizations.  Get elected
     to an officer's job.  Be sure to mention the name of your company
     in any press releases resulting from this type of activity.

      o  Offer to write a free column for a local newspaper in return
     for them giving you a short bio at the end which includes your
     company's name.  After awhile this gains you the reputation of
     being an expert in your field.  You may find other newspaper
     reporters calling you  when they are researching stories dealing in
     your area of expertise.  This coverage may result in speech making
     opportunities.

      o  When actually submitting materials dealing with your company,
     never turn in a press release without a date of issue.  The "for
     immediate release" will not do the trick.  Give both newspaper
     editors and radio stations at least a two week notice for events
     which have a time window attached them.  If you cut it shorter,
     they still may cover the story, but you have irritated the editor
     or radio producer.  These types of individuals have memories longer
     and more perfected than the proverbial elephant and they talk to
     their colleagues frequently about groups/individuals who write the
     best or worse press releases.

      o  Make sure that you don't send out press releases just because
     you opened a business or have been around for five years.  Learn
     what a news hook is.  If this a concept beyond your immediate
     grasp, do your business a lifetime favor and take your local city
     or business editor to lunch.

      o  Learn the difference between general and the technical press.
     The technical can also be the business press.  The general media,
     newspapers/magazines are read by the public interested in a whole
     arena of topics.  Whereby the business or technical press are
     interested in topics which only come under one category.  If you
     are running computer-based operation in Los Angeles and you would
     like to see a blurb about your venture in the general media, talk
     about  your background in the community and what inspired you to
     open your doors at this particular time in this territory.  If you
     want a technical journal to write about you, then you submit
     background material dealing with your technical expertise.

      o  In submitting material to a local newspaper editor, the first
     thing he wants to know is how you are related to the community he
     covers.  Make sure you mention something regarding that subject in
     the first two lines of the first paragraph.  If not, the press
     release goes immediately into the round file.

      o  Before beginning a telephone conversation with any editor at
     any time, find out when his deadlines are and never call or carry
     on a conversation for more than 30 seconds if he is on a deadline.
     Violate this principle and cross him or her off your list
     permanently.

      Press coverage can do wonders for the growth of a small business.
     Keep up good press relations.  Oh, yes, never commit the mistake of
     telling an editor or publisher why your business or service would
     make a good story.  That's up to him to determine and nothing
     irritates the press more than being told their business.



     ANOTHER LOOK AT THE MLM INDUSTRIES
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     by Fred Gould, East Coast Editor

      An excellent area to look into for new and added income is the MLM
     industry.  Most of us are familiar with the forefathers of the
     direct marketing MLM programs.  There are AVON, Mary Kay, Watkins,
     Tupperware, Sara Coventry, etc.  These programs offered people an
     opportunity to earn money at their own pace, and to be their own
     boss.  Unfortunately, there were many problems with these companies
     that caused people to shy away.  You usually had to maintain a
     complete line of stock.  You had to mail in all the money you
     received and wait anxiously for your commission check to arrive.
     You had to actively seek new customers and this often involved
     doing door-to-door selling.  Some companies took advantage of their
     distributors and fell under the "pyramid" laws.  This involves
     promoting distribution to an end that had no bottom.  Many people
     literally lost their shirts in these scam operations.

      The MLM companies (the truly honest ones) are excellent sources of
     profit.  Many of today's reputable MLM companies are turning to,
     what we call "Networking," rather then the old door- to-door sales.
     This involves meeting with a friend or relative, or a
     friend-of-a-friend, one a one-to-one basis and "advising about the
     products."  We do this all the time now when someone asks us about
     a product we use.  We tell them how good it is and usually where we
     bought it.  Unfortunately, we don't get paid for this advertising.
     With network marketing, you are the distributor for the products
     you refer to your friends and acquaintances, and you get paid to do
     it.

      Another improvement in many MLM programs includes not having to
     stock a lot of products.  Many companies will direct ship to your
     customers.  You only need to maintain some literature and a few
     samples that you yourself would normally use.

      Another plus to the innovative MLM programs is that with many
     companies, you take your commission right at the time of the sale.
     Only bonus checks and override payments (commission you receive on
     the sales of people you introduce into the MLM program as
     distributors) will then be forthcoming.  This is excellent in that
     it gives you working capital to exist, rather than have to wait
     several months for a commission check.

      The secret to making high earnings is to develop a number of
     clients who generate your "cash commissions," and at the same
     time, try to induce other to enter the program as distributors.
     Each time one of these people makes a sale, you get an "override"
     or commission, on their sale.

      I have seen people who only dabble in MLM programs earn $100 to
     $200 a month.  I have also seen those who want to accomplish
     something with earnings over $8000 and $10,000 a month.  Yes, over
     $10,000 a month.  It is not impossible to make 6 digit figures a
     year, if you wish to devote some time and effort into your future.

      Not all MLM companies can boast these figures.  Today's hottest
     and best selling products are health and skin care oriented.

      Look at all the new "shop-at-home" television shows that are
     blossoming.  The big companies are realizing that people are moving
     away from the large stores and malls.  People are tired of the
     inexperienced clerks and the trudging around large, crowded malls
     to make purchases.  They want a store that can offer service and
     advice.  The way ease-of-shopping.  Small, "mom-and- pop" stores
     can offer the service.  The catalog and shop-at-home companies can
     offer the ease of staying at home, and still buying what you need.

      MLM incorporates the "Networking" strategy, which provides the
     best of both types of shopping, ease and personal service.

      I have recently become involved in two such MLM Networking
     companies that are both relatively new to the U.S.  Both have been
     experiencing rapid growth and success. Both companies deal in the
     health care and skin care product lines, which are the two hottest
     marketing product lines today.  If you are interested in learning
     more about these companies and their products, I would happy to
     discuss them with you.  I can be contacted through the East Coast
     Editorial office of the BBR at P.O. Box 150, Kenvil, NJ 07847, or
     you can call my toll free phone number, 1-800-732- 0256.

      If you have a friend or acquaintance involved in an MLM program,
     you can approach them about their company.  I'm sure they would
     also be glad to discuss the benefits of the company they work for.
     The MLM networking field is an excellent opportunity if you believe
     in the product you are recommending.  The cost to enter as a
     distributor is usually low (under $50.00) and you shouldn't be
     required to carry large amounts of stock ($200 or less is
     sufficient).  What other type of business can you enter for under
     $250.00 and have a chance to earn $100,000 a year.

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     "The Wishing Well - a Basic Guide to Self Publishing" is available
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     Your ad could be here.  $5 a line, 5 line minimum.  The BBR is now
     distributed to over 40 BBSes.  It is also uploaded to three
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     ──────────────────────────────────────────────────────────────────────
      This copy of the Bell Business Report is made available for personal
      use of ExecNet's subscribing members only!  This report may *NOT* be
      posted for downloading or on-line reading on  *any*  BBS without the
      specific written permission of the publisher!   For more information
      contact Laura Bell or the Executive Network (914-667-4567 by modem).
     ──────────────────────────────────────────────────────────────────────