With Technology Your Nonprofit Will Raise More Money

NonProfit PRO recently released a study called "2018 Nonprofit Leadership Impact Study: A Look at the Challenges Nonprofit Leadership Is Facing and How to Address Them." One of the findings of that report was the fact that:

  • 63 percent of respondents to their survey stated that digital fundraising accounted for less than 20 percent of their total revenue.
  • 20 percent of those who responded said that digital fundraising accounted for 21 to 30 percent of their total revenue.

Not prioritizing technology is a missed opportunity!

Why Mobile Matters

I say it often, mobile, mobile, mobile. It's all about mobile, and in the quick-paced environment of today, even in the nonprofit sector, the organizations that are succeeding are those that are putting aside the traditional fundraising solutions and embracing technology fully, especially and including mobile.

As reported by August Ash about global mobile facts, in October of 2016, there was more traffic on mobile to access the internet than there was on a desktop. Further, as was stated in the article, "By 2019, mobile is predicted to account for 79% of all web traffic. This could mean that only 20% of the time people spend on your website will be from a desktop computer."

Mobile matters. Period. And, nonprofits that are not optimizing their websites for mobile or investing in technology are going to be left behind. Donors who search for your organization are likely doing it on a mobile device, and if your site is not mobile-ready, they will close out in seconds.

Why Mobile is Important for Nonprofits

Unfortunately, old habits die hard, and the nonprofit sector tends to resist change. The attitude of doing things the way they've always been done remains alive and well in the industry. However, technology is pushing nonprofits to change, and as technology and mobile-only become more ingrained in our day-to-day lives, it's going to be much more difficult to not adapt to the change.

The reality is that lies and supporters expect instant gratification and communication that conforms to the ways they operate. Social media and the digital world have made on-demand a regular occurrence in our lives.

The NonProfit PRO study also suggested, rightly, that we live in a world of quickly developing and advancing technology. So, it stands to reason that those organizations that do not prioritize and focus on investing in technology will find themselves in due time further and further behind, including in fundraising. Why should a donor who spends the vast majority of his or her time communicating and doing business with their mobile device (including paying bills or giving to charity) have to support a group that isn't keeping up with the times when there's likely another across town with a similar mission that has embraced technology?

If you do not think technology is an essential aspect of a nonprofit operation in the digital age, you're demonstrating that you're old school and can't be forward thinking or adaptive to change.

We are not at a place …

Ruby Ribbon Review: Can You Really Make Money With Ruby Ribbon?

Found in 2011 by Anna Zornosa, Ruby Ribbon is a multi-level marketing company offering wardrobe shapewear . Anna had a vision to combine shapewear with everyday clothing and took action to make this vision a reality by creating this company. During this review I am going to go over some of the products or things that the company has to offer, the business or income opportunity affiliated with the company, answer if you can really make money with their opportunity, explain the cost to get started and how, and then wrap it up with my final thoughts or opinion over everything discussed.

The Thing:

This company offers clothes! Ruby Ribbon offers their clothing products in three categories including Shapewear , Essentials With Shaping, and Fashion Layers. I will name one product in each of their categories' and give a brief explanation for each below!

  1. Shapewear / Full Support Cami – This product comes in black, pink, white, and leopard. It requires no bra and actually has a support system built into it to replace the need for a bra and sells for $ 69.
  2. Essentials With Shaping / Rita Panel Dress – For $ 129 you can get this black and gray dress with a V-neck and short sleeves with a built-in shaping slip.
  3. Fashion Layers / Judi Cardigan – This product can be wrapped in several ways and is designed to be cozy and cool looking for $ 89.

The Opportunity:

The question still remains; Can you really make money with Ruby Ribbon's business or income opportunity? In order to answer this question, I will look into their compensation plan and explain what it's all about. There are quite a few ways you could get paid from marketing this company; However, I will only go over a few.

  1. Commissions – You could earn up to 40% commission on all of your personal sales.
  2. Sponsor – If you sponsor another person into the company to take advantage of the opportunity the same way you are, you could earn up to 10% from their personal sales.
  3. Promote To Leader – If you sponsor someone into the company and help them achieve the status of Leader, you could be able to earn an additional 6% bonus.

To Conclude, Yes, You Can Make Money With Ruby Ribbon's Business Or Income Opportunity!

The Cost:

Just like all businesses, in order to begin you will have to invest! In order to get started with Ruby Ribbon and begin making money you will have to purchase one of their four start-up kits. I will explain all four of them below!

  1. Hello! Kit – $ 199 for this beginners kit that comes with 3 of their best-selling shapewear items, your own personal website, business tools and supplies to get you started, and access to training and support.
  2. BundleKit 1 – $ 399 for this kit that comes with items from the Hello! Kit and their ShowKit . It contains 3 of their best-selling shapewear items, a few

Omaha Insurance Agent Says This Is a Money Talk You Should Have With Your College Age Student

OMAHA, Neb.-College students are packing their bags and getting ready to return home for the summer. For many, this past year was the first time they managed their own laundry, classes and curfew-and their own bank accounts-without their parents.

This continues as a time of transition for many young adults and their parents. They will need some help from you while they continue to grow into their new financial responsibilities and learn how to enjoy a lifetime of good money management.

Here are a few tips from Manley to help talk to your college-age students before they head back to campus next fall:

Help your student work on a budget. Budgeting goals and impacts change over time. If your child had a part-time job while he or she was in high school, the priority was probably to build a savings. A college student's main priority is not likely to be savings, but rather to figure out how to make saved money last all semester or until summer. Parents can help a student itemize and prioritize all the things the student will have to purchase such as clothing and sundries, textbooks, the expenses of a car or cell phone.

Plan for mistakes, and let your student correct them. No matter how good the student's budget is, mistakes are going to happen. Some of them are minor, such as when a student simply forgets to budget for working fewer hours at a part-time job during a week of exams or having to take an unpaid sick day. If that happens, a little help from mom or dad may be appropriate. But sometimes mistakes are major, the result of overspending and under-earning, and the student runs out of money before the end of first semester. In this case, as difficult as it may be, do not bail out your student. Help him find a way to fix the problem. If the student lives on campus and you paid for a meal plan, he is not going to starve. He might have to find a way to work a few more hours, or be sure to earn a few bucks during summer break.

Have THE TALK. More specifically, the talk about credit cards, and how many credit card companies entice students to open accounts. Show your student how long it will take to pay off even a small amount of debt (here's a handy calculator). Even a small balance of $ 3,000 can take as long as 10 years to pay off, and during that time the borrower would have paid more than $ 2,200 in interest alone. Student loans, car loans and eventually mortgages are often considered good debt. But credit cards in the hands of inexperienced users can be disastrous.

Let the student know you will be checking up. From time to time, check your student's bank balance. Look at the expenditures and deposits, and make sure she is on-track to making his money over the summer. As time passes and the …

How To Earn Money While Lounging Back At Home

Many students and people who can't leave their houses are looking for ways that they can earn money without going out for a 9 to 5 job. Thanks to the evolving world all around us there are now many ways that you can earn money while you sit back at home. These types of things are particularly useful for students who don't have enough time on their hands to go looking for proper jobs and housewives who have some time on their hand between the busy routines and want to earn an extra buck in that time. Though these are just some of the techniques, there are many ways that you can earn money in your own way. So without further ado, here are some of the ways that you can earn money without leaving your house:

1. Sell Airline Miles
If you are someone who has traveled a lot over the past few years, then this is the fastest way to get some cash. Airline miles are worth a lot of cash if you know where to sell them. Many online sites nowadays offer a lot of different rates and packages where you can sell miles for a profit depending on the program and company of airlines that you choose.

2. Write articles
Nowadays many online websites are present where you can go online and take on writing jobs which contain work that can be completed within an hour or two. And if you want something longer like a month or two such tasks are also available. It all depends on the type of work you're looking for and how much time you're willing to take out for it. The websites that offer such work usually have a very easy sign up process after which you are ready to get to work.

3. Cook Food
That's right. This may be more than a part time job but if you're passionate about cooking then this is possibly the best way to solve your money problems. You can cook and sell it out to nearby office workers who would always prefer homemade food then eating out every day. You'll end up making money and they will end up saving money. So this is like a win win situation for everyone.

4. Graphic Designing
If you have a little skill in Photoshop, then trust us when we say that you could be earning loads of money while sitting at home. Many companies hire people part time to work on graphics and logos and pay them loads in return. So start polishing your Photoshop skills, and start looking for graphic design work online.

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Commercial Business Insurance Quote – A Look at the Types of Coverage in Business Insurance Plans

There is no business to small that it can't benefit from insurance. Regardless of your company size, you should be taking the time to search for a commercial business insurance quote. However, the exact coverage you require, interest rates, etc. play a role in the type of quotes you get. Choose an insurer that offers custom policies for your industry. Do research and read reviews to make sure that the company you choose is a good choice for businesses like yours.

What exactly is business insurance? It is a broad range of policy options compiled to protect a company from financial loss. The potential causes of financial loss obviously vary from one company to the next

Here is an overview of some of the types of coverage available. Some of these you will likely need and some you will not:

• General liability insurance (protection from 3rd party liability claims for injuries other people occur)

• Product liability

• Malpractice / professional liability

• Property insurance

• Workers compensation

• Commercial vehicle insurance

• Cyber-crime protection

• Loss of income

• Records retention policies

• Key personnel insurance, should the head (s) of the business become incapacitated

• Specialty coverage for things specific to your industry as well as one-day events such as concerts or seminars

Legal Requirements in a Commercial Business Insurance Quote

Commercial insurance is typically required by law, but under certain conditions, and those vary from state to state. At the very least you will need general liability insurance. Depending on your trade, your state might require you to carry insurance against a professional liability. If you have employees, you will probably be expected to pay unemployment insurance taxes under certain, prescribed conditions if they are deemed to be applicable to your organization. You'll therefore have to register your business with the work force's agency in your state.

Don't just select the first cheap commercial business insurance quote you see. Your policy must be tailored to your business based on its risks and relevant laws regarding your industry. Work with an insurance company that will take the time to learn about your business in order to get you the best coverage possible to protect your business investments.

Since there are so many sites that all promise to offer the "best" commercial business insurance quote , it's a good idea to use Hiscox Business Insurance as the starting point. While it is a big insurance company, Hiscox does not view insurance coverage as a "one-size-fits-all". It is your best bet to get a tailored coverage for your industry and specific needs.

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Always Be in Money Making Mode!

Every day you should be doing something to make money. Making money can become a habit, just like not making money. It is important that you cultivate and develop the money-making mindset.

If you have an email list send them valuable and information information on a regular basis. If you are creating content to get links back to your website, create it every day. Do something – an article, a press release, a video, a blog post or comment. Do it every day.

Do something every day to bring in money. Get obsessed and addicted to making money. Put your focus on making money, not TV and other non money making time wasters. Making money absolutely must become your new lifestyle.

If you truly want to be successful and make your living online it is time to sacrifice your normal time that's dedicated to other things, and shift that time and focus to creating cash flow.

Start with where you are right now, start with the knowledge you have right now. Start with the resources and assets you have right now. Don't wait until you know it all because you never will!

Your income is going to come from how much product / service you sell. You have to change your focus and how you use your time.

Full time marketers (or those who want to be full time marketers) focus their time and attention on "making money" … they focus on selling stuff. It's not rocket science my friends.

Too many distributors spend their time on making changes to their website, changes that will have little effect on sales. Don't get caught up in this. Stop worrying about making your store 'pretty' and trying to get everything perfect because you never will! I don't care if you have only one product or 200 products … spend your time promoting what you have!

Focus on those things that will make you money like driving traffic to your website, building your list and selling to your list.

At the end of each day always ask yourself "What did I do today to make more money from my store?" Whether small or large always do something daily to make money. That is the reason you have your store, to make money.

If your store is to satisfy your Ego or impress others kill it right now and find a regular job!

Do whatever you can to get visitors to sign up on your list. Give your list members valuable and informative free stuff like written articles and reports, videos about your niche and videos on using your products, surveys … anything that bonds them to you. You give people FREE and valuable helpful information and they will reciprocate by giving your orders.

Your long term GOLDEN GOOSE to making you tons of money online is building a huge email / newsletter list and making them loyal followers and then SELLING to them!

Like I said, it's not rocket science people, it's plain …

How To Start Marketing Your Business

To new business owners, starting a business is often its own reward. They are thrilled to be able to be their own bosses, and to successfully get a business up and running. Often they are happy just to keep the dream alive.

But every business needs to grow. That doesn't mean you have to reach out to a larger market – it means working toward increasing your share of the one you are targeting. This will keep your business healthy enough to survive obstacles such as tough economic times.

In order to keep moving forward, we need to market our businesses constantly. We need to dedicate a certain percentage of our resources to building our brand and reaching our target market. Here are some simple things you can do to help your business grow.

Have a clear picture of your target market.

Find out what types of people use the products and services you provide and respond to your business philosophies. If you're not marketing to the right people, all will be lost.

Research, research, research.

Determine how to best reach your target market and what they expect out of your offerings. Study your competition carefully, and make note of what they're doing right and wrong.

Choose your marketing channels wisely.

If your target market rarely reads, there's no point in advertising in a magazine. Use what you've learned about them to find the best possible outlets for your message, and focus your marketing efforts there.

Give your advertising a chance.

Studies show that consumers require repeated exposure to a product before they will even consider buying. So don't be surprised if one ad run does not bring spectacular results. If you've done your homework and found a viable way to reach your market, run the ad at least two more times before you evaluate the results.

Take advantage of free publicity.

Sending out press releases and finding other ways to attract the media will give you high-quality exposure, and it won't eat into your budget.

Keep track of the effectiveness of your marketing efforts.

If what you're doing is working, you should be generating more revenue. Use some of that revenue to do more marketing. If it isn't working, make adjustments and try again.

Sometimes you'll have to take a step back with your marketing plans. But that's not a sign you've failed. It's a sign that you're a smart marketer. Sometimes the market changes, and it's up to us to monitor those changes and adjust our marketing plans accordingly. No successful company markets the same way forever. By evolving with our target market, we can make our marketing work better.

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How To Save Money On Pool Chemicals

One of the main reasons that people would not want to own a swimming pool is because of the costs associated with owning one. Of these many costs one of the greatest is the chemicals required to maintain the balance of the pool water. As any pool owner knows if you let the pool turn green you'll end up spending a great deal of time and money on the water in order to restore it to clear swimming condition again.

This is a classic example where a better understanding of water chemistry could have saved a lot of money.

For example if you understand that maintaining a sanitizer, or chlorine level, in the pool is of critical importance then you could have avoided this green pool situation. If you maintain a minimum of one part per million free chlorine in the swimming pool at all times the water will not turn green. The water only turns green after an extended period of time, maybe as much as 12 or 24 hours or more, with no chlorine levels before you will see algae forming. It is not as simple as just putting chlorine in the pool though. There are are a couple of different circumstances that could cause unexpected variations in the chlorine levels. For example a high levels of rain or prolonged periods of direct sunshine and heat can consume large quantities of chlorine. Also a lack of cyanuric acid, or stabilizer, in the water will allow the sunlight to burn off chlorine at an exponential rate.

The second step in saving money on your pool chemicals is understanding that too much or too little stabilizer in your swimming pool will cost you money. By maintaining your stabilizer level at approximately 50 ppm then you can be sure that you are getting the most out of your chlorine. If you were to add chlorine to your swimming pool and had a stabilizer level of zero, the next day you would have no chlorine in your pool. Even if you don't understand what stabilizer is or how it works, just know that you need 50 ppm of stabilizer or your chlorine might just disappear. In layman's terms stabilizer acts like sunscreen for chlorine. Without the sunscreen the chlorine will just burn up. It is worth noting however that too much stabilizer can cause chlorine lock and prevent chlorine from being active in your pool water so this is not a situation where more is better. Buy granular stabilizer and hang it in a nylon sock from your swimming pool ladder. If you climb to over 70 ppm of stabilizer when you test the water remove the sock for a few days.

One of the simplest ways to save money on your pool chemicals is to test your water often. Not only using test strips or titration kits at home, but also by bringing in your water to a professional water lab for analysis. There are many conditions where a water lab …

5 Reasons for Writing Business Correspondence

What is an effective business organization? The answer to this is quite broad and diverse. But there is one aspect of business operations that is often neglected. This is business writing.

Effective business communication is important in the daily operation of a company. Moreover, it can dictate whether the company earns or loses money. In addition, it affects the business organization at different levels from the individual up to the corporate leaders.

1. To convey information

The essential role of business writing in an organization is to share information. Whether it is the latest sales statistics or sale projection, a business plan, a marketing proposal, proper communication of data is essential. The success of a business organization depends on the quality of information that passes through its people.

2. To justify an action

Another reason why people communicate is to justify or explain an action. One example to this is writing an incident report. The person explains what happened so that the company can understand an event better. Justifications and explanations require that the author put as much detail as possible to communicate his thought clearly.

3. To influence action

Business writing is often a way to influence other people. A good example of this is presenting a business proposal, a marketing plan or a project proposal. By detailing pertinent information, the author seeks to affect the decision. Influencing others is a hallmark of effective business communication.

4. To deliver good or bad news

The workplace is a dynamic place. It offers employees both good and bad news on a daily basis. Through proper business communication, the bad news is properly written to soften the blow. Likewise, good news is highlighted just to give emphasis. This can range from getting a pay raise to sharing the company achievements. On the other hand, this can offer grim realities like suspensions, or even layoffs.

5. To direct action

Lastly, effective business writing aims to direct the reader to the right actions. Many company documents like SOP manuals, employee handbooks, technical instruction manuals and the like offer explicit information. In order for a corporate correspondence to direct the action of the employee, it must be clear and concise. Unfortunately, many failures in communication result due to unclear and conflicting statements.

Having these 5 reasons of corporate correspondence in mind, an author can effectively write business communication. Furthermore, the proper writing style stems from a clear and effective business writing purpose.

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Story Of Dun It For Money

I first laid eyes on Dun It For Money as a yearling where he was in a pen with other colts. Knowing he was too expensive for me, I purchased another colt who turned out to be a champion. I could not get him out of his mind. As a three year old, he was then sent to the NRHA Futurity where he placed in the finals.

The following Spring, Dun It For Money was shown at the Olympic Trials in Burbank. I sat in the stands with the owner as they watched a hot mad stallion stop and refuse to go any more. The rider threw his hands up in the air and rode out of the arena. The owner ran over and grabbed Dun It For Money from the trainer.

I did not see him again for 6 months and I still could not get him out of his mind. When Dun It For Money went up for sale, I sent for him. At the time that he arrived at my ranch, he was upset at the world and came out of the trailer on his hind legs rearing and striking. At that moment, I decided that Dun It For Money was never going going to leave my side. You see, we were both at a very similar stage in our lives and when we looked each other in the eye, there was a silent understanding.

With a month of horse trading and negotiating, I was able to purchase Dun It For Money. This was the most incredible moment in my life. I led him down to his arena and with eager anticipation I got on him. Dun It For Money promptly reached around and grabbed my leg with his mouth and took me to the ground. I pulled his head around, got him up, and got back on. Away we on our first trail ride together. I made him a promise that I would not ever work him or train him in an arena again because of Dun It For Money's bad experiences. He blossomed very quickly and never once did he show any signs of quitting or getting mad!

The following summer I decided to enter him in the prestigious Santa Barbara Fiesta Rodeo and Stock Horse show him in Open Reining. We won it! I then entered him in the Monterey National Horse Show Open and again we took the championship title. I and Dun It For Money moved to Rosamond, CA where we sometimes showed at the local level. Not wanting to do reining with Dun It anymore, I just played around roping, team penning, and working cattle.

When Dun It For Money turned 15 years old, I decided to semi retire him to occasional trail rides only. Dun It For Money was not happy and grew over time to become mad and resentful over non use.

When the Extreme Cowboy Association "EXCA" Racing finals was just three days away, I decided to pull …