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NEW YORK - Bear Stearns Cos Inc asked a court on Wednesday for an injunction to prevent five former employees from using Bear Stearns’ client lists in their new jobs at other banks.

WASHINGTON - AMR Corp , parent of American Airlines, took 80 planes out of service and canceled 300 flights on Wednesday after reinspecting wiring on MD-series aircraft, while Delta Air Lines Inc began similar checks on 133 planes, the carriers has said.

BOSTON - Oracle Corp posted disappointing quarterly software sales on Wednesday and has said its customers had become more cautious, quashing the idea that the software sector would be immune to the economic turmoil that has roiled the rest of the tech sector.

WASHINGTON - Senior Democrats and at least one Republican on Wednesday demanded details on the role the Federal Reserve and the United States Treasury Department played in helping JPMorgan Chase & Co’s purchaseout of Bear Stearns Cos Inc.

Kanaga Siva

The success of a Home Based Business is to a great extent Dependant on how successfully you have been able to create awareness of your home based business. The people living around you and in the nearby towns should be made aware of what your business is about. They could be your potential customers for various reasons. In addition they could be very useful promoters of your business by word of mouth.

One very inexpensive way of achieving this is to organize a successful flyer campaign. For your campaign to be successful, certain strategies have to be implemented.

1. Why this Flyer Campaign:

Every month we receive hundreds of flyers and most of them are dumped into the trash bin straight away or after just a glance. Yet there are some, we read and even retain. Why? It is simply because there was something in it that grabbed our attention and made us read it. Yes, a flyer must be such that it will grab the attention of the reader straightaway.

You have to ensure that your products or services are explained in as few words as possible. It should offer attractive bargains or a service that is not available in your area. Be brief and have very powerful and compelling words to attract the attention of the reader.

2. Know Your Target Market:

It is extremely important that you know your target market before you start your flyer campaign. Distributing your flyers in areas where people have no interests in your products or services is a waste of time, money and energy.

Furthermore you should also identify to which target group you are catering for. Is it for older or younger people, for males or females and the income group you expect your customers to come from? You may also have an idea of attracting customers for your home based business from far away places too.

3. Where and How to Drop Your Flyers:

It is customary to drop flyers in mail boxes of houses and business establishments. You can also do the same. You must also decide how far away you should go to distribute your flyers.

For your flyer campaign to be more effective, you can also distribute them personally, especially to people whom you have identified as very promising future customers. This personal approach has several advantages.

4. What to Say and How to Write:

Now that you have decided on your target audience, you have to decide on what you are going to say. Your flyer should have a clear purpose. Once you understand the needs and wants correctly, your objective should be to provide a solution to a problem the target audience now experience or introduce something that is new that will attract and appeal to them. The flyer should be short, to the point and striking. You headline should be your main focus and it must be captivating.

Since you flyer will be competing with several others, you have to outsmart the others and attract the attention of your potential clients with a powerful offer.

5. When to Drop the Flyers:

If your products or services of you home based business are not a seasonal one, you can drop the flyers anytime during the year. You should preferably avoid Fridays and week-ends. It is generally accepted that mid-week is the best. If your products are seasonal, then you should of course drop them during the season, especially at the commencement of the season.

Conclusion:

These strategies can help you get started. A well organized and successful flyer campaign can bring in a lot of customers for your home based business. Creating awareness of your business is the key to success and a successful flyer campaign is an inexpensive way of doing it.

Copyright © 2008 Kanaga Siva. For Tips and Advice on starting and operating a successful Home Based Business, you are welcome to visit his Free Home Based Business Website and Business from Home Blog.

WASHINGTON - A federal jury in Ohio convicted the former chief executive of National Century Financial Enterpgoes up of interfering with a witness in a criminal fraud case involving the bankrupt company, the United States Justice Department has said on Wednesday.

Simon Volkov

Promissory notes are used to record details of a loan transaction between two or more parties. They are used in a variety of financial and real estate transactions, business loans, and personal loans between family members and friends.

It’s important to realize promissory notes are legal contracts and can be used against you in a court of law. Before signing any agreement, it’s essential to understand the different types of promissory notes and how they are used.

Types of Promissory Notes

The most common types of promissory notes include those used to document personal loans between family members or friends. Most people shy away from requesting legal documentation when lending money to personal acquaintances. While it’s understandable you don’t want to offend someone you care about, promissory notes can actually help prevent misunderstandings.

When friends and family draft a personal promissory note it demonstrates a good faith effort on behalf of the Borrower. It also creates a sense of security for the Lender. Personal promissory notes can be purchased at office supply stores or downloaded from the Internet. The note should include the terms of the loan, amount borrowed, interest rate and what consequences will occur if the Borrower defaults on the loan.

Commercial promissory notes are used when money is borrowed from a bank or other lending institution. Commercial notes are similar to personal notes; however, they include additional legal terms and more stringent conditions.

Typically, when a Borrower defaults on a commercial promissory note, the lender has the right to demand full payment. If you owe $3,000 and default on your payment, the signed promissory note gives the Lender the power to demand the entire balance. If you do not pay the full balance, the Lender can then place a lien on the property you are financing. They can also file a lawsuit to obtain the balance or regain possession of the property. Not only will you lose the property, it will significantly impact your credit rating.

Some organizations use promissory notes to raise capital for business. This type of business note is referred to as an Investment promissory note. The note is issued to investors in exchange for the loan. Investment notes guarantee investors will receive a return on their investment within a specified period of time.

Negotiable promissory notes are used to secure real estate transactions. These notes are governed by the Uniform Commercial Code. Real estate promissory notes must adhere to conditions set forth by the National Conference of Commissioners on Uniform State Laws.

Personal promissory notes are simple documents and can usually be drafted without the assistance of a lawyer. Commercial, Investment and Real Estate Notes will require the services of lawyer to ensure they are legally binding.

Legal Terms

Should you decide to draft a promissory note without legal counsel, it’s wise to become familiar with the terminology used. Basically, there are five legal terms used in promissory notes including:

Promisor - The person who is obtaining the loan and who will be obligated to repay it.

Promisee - The person who is providing the loan and who will receive payment for it.

Obligor - The person who is bound by the legal agreement; usually the Promisor.

Obligee - The person to whom the Obligee is bound; usually the Promisee.

Mutual Consideration - When there is a contract between two parties there must be some value received by both parties. This is referred to as “mutual consideration”.

Simon Volkov is a private real estate note investor who specializes in helping individuals liquidate their assets. From forthcoming Inheritance windfalls to outstanding Promissory Notes, Simon Volkov offers a host of solutions for those in need of cash. Learn more about by visiting www.SimonVolkov.com.

Ben L

Do you ever get frustrated of living paycheck to paycheck? Do you want to get a nice little egg nest going for your future and your kids future? Do you ever ask yourself how you can become more financially secure? How you will be able to afford a family vacation?

We asked ourselves those very same questions, went through those same thoughts, getting more and more frustrated. Sure, we were making enough to pay our bills, and buy food and provide for our two little kids, but we barely had any money left over by the time those needs were taken care of for anything for ourselves, and we did not have much money set aside for any emergencies that may have arisen. We were so frustrated for months, not knowing what to do to get ahead in life. We got caught up in one of the “get rich quick” scams, and lost a little money, which left us even more frustrated. We came to the conclusion that we needed to make our money work for us, and that in turn, we would get more money and more financially secure as the time goes on.

How do we get our money working for us. We need to invest any spare amount that we have. There are many ways to invest your money now days, that you can invest anywhere from a couple hundred to several thousand. You can invest in real estate and get up to a 15-20% return, you can invest your money in the stock market and get up to 7 to 10% return on your income, or you can invest in an online business and can get up to 30 or 40% return, You will need to make sure that you research whatever avenue you decide very thoroughly so you know what to expect. You will end up get more money on your return and you can either keep turning that around and get more and more of a nest egg built up for your and your family’s future, or just cash out, whatever you decide.

A couple years ago, we decided to invest in some real estate. We bought a repossessed house, spent three months fixing it up by painting it, changing the floor, redoing the roof, fixing up the landscaping, putting new cabinets and new appliances and new lighting. We sold it a few weeks after we had put it on the market and walked away with a $20,000 check when it was all said and done. Not to bad for three months of work!

Whether you decide on where to exactly invest your money, do plenty of research. If you invest in real estate, research the current housing market in your area, research the location of the property you are looking at, research different prices for all the things you will buy, and so forth. If you decide to invest in the stock market, do research on what stocks are doing the best, their points, and what kind of return you can expect to get and in what time period. If you decide to invest in a new business, online or not, research what type of business it is, the interest of that particular business and your competition.

There are many other types of investments, you can do. I can not stress enough how important it is to research. You cannot research too much. The more the better, and it will help you out more in the long run. Let’s get your money working for you so you can stop living paycheck to paycheck!

Ben Levanger runs a few different sites and spends his time dedicated to finding programs that are worth a darn. He runs a site at www.limitreviews.com and you can see an extensive review at his squidoo page www.squidoo.com/WealthyaffiliateAmazing