Internet Marketing And EU VAT 2015 changes to EU VAT and how it affects you
|
|
- Leonard Singleton
- 7 years ago
- Views:
Transcription
1 Internet Marketing And EU VAT 2015 changes to EU VAT and how it affects you Page 1
2 Internet Marketing And EU VAT Published by: Barry Rodgers & Val Wilson Copyright 2015 Barry Rodgers & Val Wilson. All rights are reserved. No part of this report may be reproduced or transmitted in any form without the written permission of the author. Note: This e-book is optimized for viewing on a computer screen, but it is organized so you can also print it out and assemble it as a book. Since the text is optimized for screen viewing, the type is larger than that in usual printed books. Disclaimer Every effort has been made to make this report as complete and accurate as possible. However, there may be mistakes in typography or content. Also, this report contains information only up to the publishing date. Therefore, this report should be used as a guide not as the ultimate source of VAT on digital goods and services information. The purpose of this report is to educate. The author and publisher does not warrant that the information contained in this report is fully complete and shall not be responsible for any errors or omissions. The author and publisher shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused or alleged to be caused directly or indirectly by this report. The following does not represent legal or financial advice. We are not accountants or lawyers. If you have further concerns about your specific business, you should seek professional counsel from your attorney or accountant. If you do not wish to be bound by the above, please return or delete this report. Page 2
3 Introduction Let's be blunt. VAT is not the most exciting subject in the world. What this report will teach you will not have you running down the road naked shouting 'Eureka! But, like DCMA, legal disclaimers, privacy policies and all the other things we have to deal with, it is important that you stay on the right side of the law if you want to stay in business. In fact, essential. Better to get your ducks in a row now than 5 years down the line having the tax man break down your door, take your children away and hold them for ransom. Ok, maybe not your children (though we are talking about the tax man here... :)) But your business definitely is at stake here. The authorities have the power to shut you down at any time for any misdemeanor especially one to do with avoiding tax. Keep reading to the end, and I also have a solution that we are using ourselves to totally avoid these new regulations. This is 100% legal and above board, it works for us and it will work for you too. So, let's get started. Page 3
4 What is VAT? VAT (Value Added Tax) is a sales tax charged on most goods and services by governments in European countries. All businesses supplying the goods and services are obliged to administer and collect this tax and send it to the tax authorities in their own country. Each government sets its own rate (it ranges from??? to???), and each government sets a minimum sales amount above which businesses must charge VAT (this ranges from nil to 81,000). For example, a UK business supplying less than 81,000 of taxable goods and services does not have to register for VAT, so does not have to charge its customers VAT. But an identical business based in Greece that makes any sales at all is obliged to register for and charge VAT, as the Greek threshold is nil. If you were based outside the EU, you could ignore VAT altogether (strictly speaking, this did change in 2003 with the VAT on eservices (VOES) scheme but, without getting into tedious detail, this was easily avoided and never properly enforced). So far, so good. Page 4
5 So What's Changed? Up until 31 st December 2014, the VAT was charged based on the location of the business supplying the goods or service. So sticking with our UK example, if a VAT registered UK business made sales in another EU country, it would charge VAT at the UK rate (currently 20%). And crucially, if that business was below the UK threshold and not registered for VAT in the UK, then it could make that sale without charging any VAT. So for most micro businesses, VAT could safely be ignored. But from 1 st January 2015, all business selling digital goods and services within the EU must now charge VAT based on the place of supply. So instead of charging VAT based on the seller s location, the EU will now collect VAT based on the customer s location. Not only that, but to really put the boot in, the VAT threshold is now nil for ALL countries. So if you sell as much as one 99c ebook anywhere in the EU, you must be registered for and charge VAT in that country, and send a return and any VAT collected to that country's tax authority. Every quarter. And for any sale in any of the 28 EU countries. And you must collect and keep at least two pieces of non contradictory evidence about your customer to prove that they live where they say they live (for example IP address and billing address). And you have to keep these records for 10 years. Is your head sore yet? Page 5
6 But I'm not based in the EU, so this does not affect me... Sorry, afraid not. This now applies to ANY business based ANYWHERE in the world which makes as much as one sale to a customer in the EU. So, for example, if you are US business with a website selling downloadable goods, and someone in an EU country buys one of your $7 ebooks, you are now obliged by European law to charge VAT based on where that customer is located. So you have to register your business for VAT in that country, collect two pieces of evidence to prove the buyer is where they say they are, charge VAT at the appropriate rate, do the tax returns... you get the picture. To make it 'simpler' rather than registering separately for VAT in all 28 EU countries, the EU has introduced the VAT MOSS (Mini One Stop Shop) scheme. In brief, this means in the example that our US business only needs to register for VAT and make returns in one EU country, who then submit the VAT returns to the other 27 countries on their behalf. While this is a step in the right direction, remember responsibility for working out the actual VAT rate and amount charged, collecting and keeping the customer's location evidence, invoicing and record keeping all still remain with the seller. As with everything to do with tax, the onus is totally on the seller here. Any non compliance, you are responsible. Page 6
7 So what are the options? There are three options here. 1. Do nothing and hope you don't get caught 2. Register with VATMOSS and comply with the system 3. Avoid EU VAT altogether by another means Burying your head in the sand and doing nothing is not a sensible solution. Sure, it is possible that you'll go under the radar and it is true that the real purpose of these changes was to stop tax avoidance by the big boys like Amazon and Apple. But the rules are clear. The EU tax authorities have the power to go after anyone who does not comply. If you sell to anyone anywhere in Europe, you owe them money and you can be pretty sure they'll do their best to get it, even if you are only 'small fry'. And the potential costs could be high high enough to blow your smoke out. For example in Denmark and Belgium the penalty is twice the amount of VAT unpaid without any upper capping limit. Other EU member states have upper limit monetary fines of 125,000 (Slovenia); 66,000 (Croatia) and up to 50,000 (Germany). And remember, you have 28 different countries to worry about here. The tax authorities have been behind the curve on digital marketing for years, and this change is the first step to getting their share of the spoils. They have already made clear that: 1) Enforcement will be a priority Page 7
8 2) They will be using bots and crawlers to find and identify digital sellers - and legislation is currently being strengthened to make this even easier. 3) They will be investing a lot of resources in their international trade relationships to enlist the aid of foreign governments in identifying and prosecuting any perceived tax evasion. So hoping for the best is an option but only if you don't mind running into big trouble ahead. Compliance is an option, but for most micro businesses, it is simply not practical. Unless you have a full system in place, working out exactly where your customers are from and gathering the 2 pieces of non contradictory evidence is all but impossible. And registering for VAT and completing all the necessary paperwork on time every three months, and keeping 10 years of records is a bureaucratic nightmare, even for the most organised of us. So that leaves us with avoiding EU VAT altogether. This seems to be the most attractive option. You could do this by blocking all sales within the EU this is relatively easy to do, but if a significant amount of your sales are in the EU, it would be very costly. It may be a more feasible option for UK sellers (who could still legally sell within the UK and would only have to block the other EU countries, where sales are likely to be low in any case). But for other sellers based outside the EU especially in the US this would mean blocking all UK sales as well, which is likely to be a major market. Alternatively, you could make all your sales through a third party processor who will take responsibility for accounting for the VAT on all your EU sales. Certain platforms act as 'agents' selling the product on your behalf, so Page 8
9 legally you do not directly sell to the end customer, they do. And so they are responsible for all VAT issues. Clickbank is the biggest platform which does this, but there are others. This is the 'cleanest' solution, and of the options so far, the best solution - but there are drawbacks. Transaction fees are generally higher on these platforms, and so if all your sales go through say, Clickbank, you can lose a big chunk of your profits. Other platforms have the advantage that you get paid for every sale instantly through your Paypal account, rather than having to wait up to 6 weeks for a bulk payment. And if you are using affiliates to help promote your product which we highly recommend platforms with instant payments such as JVZoo or WarriorPlus have well established networks where finding big name affiliates is much easier. This, combined with the extra seller features provided by these platforms, make them much more attractive networks to use. Apart from the issue of EU VAT :( Page 9
10 The Ultimate Solution As internet marketers, we could see that the best existing solution to this problem was to use a platform such as Clickbank. That way, we could forget about VAT and concentrate on running our business. But that meant we would lose out on all the advantages of using a network like JVZoo, with all the added features that Clickbank simply did not have, and where there was an already established bunch of active affiliates who wanted instant payments and who could generate a lot of sales. So we decided to create our own solution a plugin that would automatically redirect EU traffic to the Clickbank sales page (so avoiding the VAT headache), but allow all non EU traffic to go to the JVZoo sales page. But this created its own problem. Any EU sales made through a JVZoo affiliate link would redirect to Clickbank - meaning the affiliate would lose out on commission. And the number one rule of product vendors? Keep affiliates happy :) So we made a clever tweak to the plugin that means it now creates a unique link for every affiliate, so they get credited for every sale made whether it's through through JVZoo or Clickbank. And it's not limited to JVZoo and Clickbank it can be through any other platform you choose to use. The best of both worlds :) The EU VAT changes are real - don't risk everything by ignoring it. As a digital product vendor, you can shut up shop altogether, block out the EU and lose out on a lot of sales, or keep building your business and stay on the right side of the tax man. That's what all smart marketers are doing, and you can do it too by using WP VAT Buster. Page 10
This Report Brought To You By:
This Report Brought To You By: Gregory Movsesyan SoftXML - Target your market audience Visit Us At: http://www.softxml.com 1 Legal Notice While attempts have been made to verify information provided in
More informationThe $200 A Day Cash Machine System
The $200 A Day Cash Machine System Make Big Profits Selling This Opportunity From Home! This is a free ebook from Frank Jones. You should not have paid for it. COPYRIGHT Frank Jones. All Rights Reserved:
More informationTHE EXPLORER S GUIDE TO VAT (VALUE-ADDED TAX) RIFTACCOUNTING.COM
THE EXPLORER S GUIDE TO VAT (VALUE-ADDED TAX) RIFTACCOUNTING.COM If you made a list of the top annoyances, inconveniences and worries of small business owners, whether they re just starting out or already
More informationIntroducing new Sage One Accounting
Sage One Accounting Introducing new Sage One Accounting Sage One Accounting is an online accounting service for small businesses that want to manage international trade easily, control how they share accounts
More informationLearn How to Create and Profit From Your Own Information Products!
How to Setup & Sell Your Digital Products Using JVZoo Learn How to Create and Profit From Your Own Information Products! Introduction to JVZoo What is JVZoo? JVZoo is a digital marketplace where product
More information- Assessment of the application by Member States of European Union VAT provisions with particular relevance to the Mini One Stop Shop (MOSS) -
- Assessment of the application by Member States of European Union VAT provisions with particular relevance to the Mini One Stop Shop (MOSS) - BACKGROUND The information available on this website relates
More informationSage One Accounts Extra
Sage One Accounts Extra guide Introducing new Sage One Accounts Extra Sage One Accounts Extra is an online accounting service for small businesses that want to manage international trade easily, control
More informationWhen you start to think about it it s easy to see why having a mailing list is so important
List Building Basics Why Build a List? Pretty soon into your internet marketing career you come across the saying that the money is in the list. It refers to the fact that perhaps THE single most important
More informationTHE WINNING ROULETTE SYSTEM.
THE WINNING ROULETTE SYSTEM. Please note that all information is provided as is and no guarantees are given whatsoever as to the amount of profit you will make if you use this system. Neither the seller
More informationJanuary 9, 2006. The Self Help Legal Center. Southern Illinois University School Of Law Carbondale, IL 62901 (618) 453-3217
January 9, 2006 The Self Help Legal Center Southern Illinois University School Of Law Carbondale, IL 62901 (618) 453-3217 2 TABLE OF CONTENTS Table of Contents 2 Disclaimer 3 Warning to all readers 4 Who
More informationMake and register your lasting power of attorney a guide
LP12 Make and register your lasting power of attorney a guide Financial decisions including: running your bank and savings accounts making or selling investments paying your bills buying or selling your
More informationMini E-Book Gold Mine
Mini E-Book Gold Mine How to Build Your List and Make an Abundance of Money Through the Magic of Giving Away Free Reports! IMPORTANT LEGAL NOTICE By reading this ebook, you consent to the following legal
More informationSCHEME AND SERVICE INFORMATION
SCHEME AND SERVICE INFORMATION 0808 1001613 www.fsbworkplacepensions.co.uk 1 Workplace Pensions are coming Workplace Pensions is the government initiative to increase private retirement savings. Auto enrolment
More informationThe Easy Way To Flipping Domain Names
The Easy Way To Flipping Domain Names Published by http://rebirthmediagroup.com Disclaimer: The rights of this ebook are owned by Rebirth Media Group. You are not allowed to copy, reprint, or sell this
More informationWould You Like To Earn $1000 s With The Click Of A Button?
Would You Like To Earn $1000 s With The Click Of A Button? (Follow these easy step by step instructions and you will) This Version of the ebook is for all countries other than the USA. If you need the
More information7 Biggest Mistakes in Web Design 1
7 Biggest Mistakes in Web Design 1 7 Biggest Mistakes in Web Design 2 Written by Senka Pupacic This is not a free e-book! Printing out more than one copy - or distributing it electronically is prohibited
More informationUNLIMITED CLICKBANK PROFITS! A Break-Through in Internet Sales Technology!
UNLIMITED CLICKBANK PROFITS! A Break-Through in Internet Sales Technology! CONGRATULATIONS! You have just discovered the world's only AUTOMATIC ONLINE INCOME GENERATOR! Starting today... YOU WILL EARN
More informationIntroduction...4. Who is an Entrepreneur...5. Why it is Important to Identify Traits...6. Important Traits to Have...8. Leadership Skills...
1 Disclaimer This e-book has been written to provide information about its topic. Every effort has been made to make this ebook as complete and accurate as possible. However, there may be mistakes in typography
More informationModule 8 Increase Conversions by 29% for EACH Branch through Technology! What You'll Learn in this Module...
Module 8 Increase Conversions by 29% for EACH Branch through Technology! What You'll Learn in this Module... In Module 8 you re going to learn about a technology that can raise conversions by 29% for every
More informationWebsite Infomercial Templates Fill-In-The-Blank Scripts
Website Infomercial Templates Fill-In-The-Blank Scripts - By Jim Edwards and Mike Stewart Distributed ONLY With Website Video Secrets Limits of Liability/Disclaimer of Warranty The authors and publisher
More informationE-mail Marketing Tactics
1 Disclaimer This e-book has been written to provide information about its topic. Every effort has been made to make this ebook as complete and accurate as possible. However, there may be mistakes in typography
More informationGetting and Finding Purchasing, Managers, Buyers, and Purchasing Agents Jobs. The Ultimate Guide for Job Seekers and Recruiters
Getting and Finding Purchasing, Managers, Buyers, and Purchasing Agents Jobs The Ultimate Guide for Job Seekers and Recruiters Copyright Notice of Rights All rights reserved. No part of this book may be
More informationVAT guide should I register for VAT?
VAT guide should I register for VAT? associates ltd Should I register for VAT? This guide will give you an understanding as to whether you should register, what the various schemes are for small businesses
More informationList Building Basics. For Newbie Internet Marketers. How To Start Building Your List FAST!
List Building Basics For Newbie Internet Marketers How To Start Building Your List FAST! DISCLAIMER AND/OR LEGAL NOTICES: The information presented in this E-Book represents the views of the publisher
More informationWho we are. What we do. Why choose us? Page 2
Who we are 1 st Contractor Accountants are a specialist online firm of accountants for contractors, freelancers and small businesses. The founders of 1 st Contractor Accountants have nearly 30 years combined
More informationAirplane Buying Cheat Sheet. How To Get A Discount On Your Next Airplane:
Airplane Buying Cheat Sheet Disclaimer: Make sure you always get professional legal advice & used licenced technicians when you are doing your inspections. This information is used at your own risk...
More informationMulti Country Inventory (MCI) shipments and VAT
Multi Country Inventory (MCI) shipments and VAT Do not let VAT be a barrier to using MCI Programme May 2014 All content in this webinar and this presentation is prepared by Meridian Global Services. Amazon
More informationGuide to the VAT mini One Stop Shop
EUROPEAN COMMISSION DIRECTORATE-GENERAL TAXATION AND CUSTOMS UNION Indirect Taxation and Tax administration VAT Brussels, 23 October 2013 Guide to the VAT mini One Stop Shop Table of Contents Background...
More informationResearch and Development (R&D) Relief for Corporation Tax
Page 1 of 9 Research and Development (R&D) Relief for Corporation Tax Research and Development (R&D) Relief is a Corporation Tax relief that may reduce your company or organisation's tax bill by more than
More informationIf you get through this entire PDF and think you did this already and it didn t work then please email me at proedgemarketing@gmail.
KINDLE FINANCIAL I'm making more than enough to live off so this is my last Kindle product EVER. Last month I made over $15,000 selling books so my going away gift to everyone is my Kindle strategy. Below,
More information911207 Amman 11191 Jordan e-mail: info@di.jo Mob: +962 79 999 65 85 Tel: +962 6 401 5565
1 Dynamics GP Excel Paste Installation and deployment guide 2 DISCLAIMER STATEMENT All the information presented in this document is the sole intellectual property of Dynamics Innovations IT Solutions.
More information12 Tips for Negotiating with Suppliers
12 Tips for Negotiating with Suppliers Written by: Lisa Suttora This workbook is not a free ebook. If you would like to recommend this product to others, please do so at www.workwithsuppliers.com/businesssetup
More informationSpecial Report: 5 Mistakes Homeowners Make When Selling A House. And The Simple Tricks To Avoid Them!
Special Report: 5 Mistakes Homeowners Make When Selling A House And The Simple Tricks To Avoid Them! 1 Special Report: 5 Mistakes Homeowners Make When Selling A House Dear Homeowner, And The Simple Tricks
More informationEU: 2015 Place of Supply Changes Changes to the VAT place of supply for e-services
EU: 2015 Place of Supply Changes Changes to the VAT place of supply for e-services EU: 2015 Changes to the place of supply From 1 January 2015, supplies of telecommunications, broadcasting and electronically
More informationOut-Negotiating Your Suppliers Report
1 Table of Contents 1. About Purchasing & Procurement Center 2. Quick Introduction 3. What is Purchasing Negotiation? 4. The main disadvantage Buyers Face when dealing with suppliers 5. The biggest mistake
More informationThe Easy Picture Guide to banking xxxx. Choosing xxxxxxxxxxxxxxxxxxxxx a xxxxxxxxxxxxxxxxxxxxx. bank account
The Easy Picture Guide to banking xxxx Choosing xxxxxxxxxxxxxxxxxxxxx and opening a xxxxxxxxxxxxxxxxxxxxx bank account The Easy Picture Guide to xxxx a bank account The Easy Picture Guide to Money for
More informationAdwords 100 Success Secrets. Google Adwords Secrets revealed, How to get the Most Sales Online, Increase Sales, Lower CPA and Save Time and Money
Adwords 100 Success Secrets Google Adwords Secrets revealed, How to get the Most Sales Online, Increase Sales, Lower CPA and Save Time and Money Adwords 100 Success Secrets Copyright 2008 Notice of rights
More informationTHE LITTLE BIG BOOK OF BADNESS
THE LITTLE BIG BOOK OF BADNESS How to stay safe on the Internet a guidebook for students and parents USE THIS BOOK TO FIND OUT HOW YOU AND YOUR COMPUTER CAN STAY AWAY FROM BAD THINGS 2 CONTENTS Why you
More informationTransforming Your Company into a High-Value Business
Transforming Your Company into a High-Value Business Executive Summary Whatever your goal a complete exit from your company or the sale of some of your accounts to take cash out of your business, obtain
More informationPermission-Based Marketing for Lawyers
Permission-Based Marketing for Lawyers Jim Hart is a divorce attorney in Cary, North Carolina. Previously, his law practice was based in Florida. He owns several websites. Jameshartlaw.com redirects to
More information101 Roulette Winning tips
101 Roulette Winning tips The truth about the most popular roulette systems sold online and which ones to avoid... I have been playing and buying roulette systems for many years and I am often asked for
More information100 Ways To Improve Your Sales Success. Some Great Tips To Boost Your Sales
100 Ways To Improve Your Sales Success Some Great Tips To Boost Your Sales 100 Ways To Improve Your Sales Success By Sean Mcpheat, Managing Director Of The Sales Training Consultancy What makes a successful
More informationCHAPTER 23 ISSUES IN TAX INVESTIGATIONS AND TAX AUDITS by Wilson Ong and Tham Siok Peng. (5-Pages Preview)
CHAPTER 23 ISSUES IN TAX INVESTIGATIONS AND TAX AUDITS by Wilson Ong and Tham Siok Peng (5-Pages Preview) CHAPTER 23 ISSUES IN TAX INVESTIGATIONS AND TAX AUDITS The elderly man sat up coughing on his bed.
More informationContractors Guide to Choosing an Accountant
Contractors Guide to Choosing an Accountant Genie Accountancy have produced this guide to illustrate the importance of selecting the correct accountant, an accountant who will strive to support your business
More informationTAKING AWAY THE HASSLE OF KEEPING THE BOOKS
TAKING AWAY THE HASSLE OF KEEPING THE BOOKS 2 LESLIE ERIERA & CO PAPERWORK AAAAARGHHHH Every business owner hates bookkeeping and paperwork. Unfortunately it has to be done. And it has to be done in a
More informationEmail Marketing Do s and Don ts A Sprint Mail Whitepaper
Email Marketing Do s and Don ts A Sprint Mail Whitepaper Table of Contents: Part One Email Marketing Dos and Don ts The Right Way of Email Marketing The Wrong Way of Email Marketing Outlook s limitations
More informationEmail Marketing Methods
Email Marketing Methods Brought to You By PLR-MRR-Products.com Buy PLR, MRR or Resale Products through Membership or Direct Purchase Shopping Cart. You are also welcome to visit and download from our free
More informationConveyancing Guide Making your Home yours..
Conveyancing Guide Making your Home yours.. Introduction to Conveyancing Buying your new home can be a long and difficult process and the final step, the legal one, often seems the biggest. Buying a house
More informationForming an Alabama LLC Inexpensively
Forming an Alabama LLC Inexpensively Tripp Watson, The Watson Firm Updated November 12, 2015 Introduction... 3 Big Disclaimer... 3 Who Should Not Use This Form... 4 Get Started... 5 Process... 6 1 - Register
More informationEmail Marketing 1, 2, 3... 3 Section 1 - Email Marketing 101... 4 Why Email Marketing?... 4 Learning the Basics... 5 Build your List...
Email Marketing 1, 2, 3... 3 Section 1 - Email Marketing 101... 4 Why Email Marketing?... 4 Learning the Basics... 5 Build your List... 5 Send to Your List... 6 Profit From Your List... 7 Selecting Your
More informationMay 25th, 2016--"Car Buying: How to Avoid the Extra Stress"--Mary Dittfurth
May 25th, 2016--"Car Buying: How to Avoid the Extra Stress"--Mary Dittfurth The car-buying process can get pretty stressful, especially if you re not prepared for it. Car buying is supposed to be exciting,
More informationSeeing you through refinancing
REFINANCING GUIDE Seeing you through refinancing hether you re moving home, renovating, or simply looking for a different home loan, refinancing doesn t need to be complicated. At QuickSelect we are interested
More informationINTELLECTUAL PROPERTY ASSIGNMENT & GUIDELINES
& GUIDELINES Included: Overview Dos and Don ts Checklist Intellectual Property Assignment Instructions Sample Intellectual Property Assignment 1. Overview A company s ability to buy and sell property is
More informationAverage producers can easily increase their production in a larger office with more market share.
The 10 Keys to Successfully Recruiting Experienced Agents by Judy LaDeur Understand whom you are hiring. Don t make the mistake of only wanting the best agents or those from offices above you in market
More informationSecret 1: Never Buy or Use Mass Email Lists I was just reading a post on a well known marketing forum yesterday and someone said he
Legal Notice/Disclaimer There is no guarantee of success, traffic and/or that you will make money, either written or implied. The author /publisher specifically disclaims any personal liability, loss,
More informationUNTOLD MAP SECRETS. Are you a MyAdvertisingPays member? Great!
UNTOLD MAP SECRETS The Guide for online marketing newbies Are you a MyAdvertisingPays member? Great! Do you know that you can earn money by using the advertising system of MyAdvertisingPays but you have
More informationSage Online Solutions. Safe and simple online accounting and payroll for accountants and bookkeepers
Safe and simple online accounting and payroll for accountants and bookkeepers Overview Times are changing. Like the way we do our weekly food shop or research the latest gadget, more and more people are
More informationPTC ARBITRAGE This is NOT a free report and you do NOT have permission to re-distribute this.
PTC ARBITRAGE This is NOT a free report and you do NOT have permission to re-distribute this. 1 Legal Notice No part of this publication may be reproduced or transmitted in any form or by any means, mechanical
More informationThis document attempts to take some of the fear and uncertainty away from the CRM concept:
What is CRM? What is CRM? Today growing businesses manage customer connections and information in a variety of ways. Some use old fashioned note cards and Rolodex. Others store information on their mobile
More informationHome Buying Dos and Don ts
Compliments of Records Results Real Estate Fulfilling Dreams in Paradise! 239-205-8966 Home Buying Dos and Don ts Home Buying Dos and Don ts 2 Table of Contents Introduction...4 Home Buying Dos and Don
More informationOPERATING THE SMALLEST OF CONSULTING FIRMS: THE SOLE PRACTITIONER
OPERATING THE SMALLEST OF CONSULTING FIRMS: THE SOLE PRACTITIONER By Jay M. Jaffe, FSA, MAAA President Actuarial Enterprises, Ltd. Suite 242 600 Central Avenue Highland Park, IL 60035 USA Phone: 847-432-6066
More informationYOUR GUIDE TO. A checklist for buying a
YOUR GUIDE TO A checklist for buying a house or apartment in NSW. Do I really need a solicitor to make an offer on a house? The answer is that buying a home is often the biggest financial decision we ll
More informationThe term e-commerce refers to buying, selling or ordering goods and services on the Internet. It is a subset of e-business.
Enabling e-commerce Creating an online store The term e-commerce refers to buying, selling or ordering goods and services on the Internet. It is a subset of e-business. So e-commerce happens when any commercial
More informationEARNEST MONEY PROMISSORY NOTE & GUIDE
& GUIDE Included: Overview Dos and Don ts Checklist Earnest Money Promissory Note Instructions Sample Earnest Money Promissory Note 1. Overview Buying real estate is an expensive and time-consuming activity.
More informationSage One Online accounts for start-ups and small businesses
Sage One Online accounts for start-ups and small businesses About Sage One Sage One is a family of online accounts software that helps you manage your business finances. Designed for UK businesses, there
More informationSMS Guide For Fashion & Retail
SMS Guide For Fashion & Retail Would you rather give up your mobile phone or your shoes? You d probably be surprised to hear that not only would 63% of people rather give up chocolate than their smartphone
More informationHow To Make A Simple Website That Generates $100/m+ in Under an Hour With Deadbeat Affiliate Marketing
How To Make A Simple Website That Generates $100/m+ in Under an Hour With Deadbeat Affiliate Marketing By Dan Brock ( AKA The Deadbeat Super Affiliate ) The Deadbeat Super Affiliate It's Easier Than You
More informationHere are their words to the wise:
8 Dumb Things that Smart People Do When Buying a Home If you re bound and determined to buy a house, here is some advice from recent home buyers, sharing things they wish they had known before they bought.
More informationInternet Marketing Newbie Guide First Read before You Start Internet Marketing 3
Before you start an internet marketing business, there are few things that you need to know. These things are very important to know before you get doing the internet marketing business. As you may know,
More informationPre-Written Ad Copy. Use These Ads to Promote the Email Processing System or ANY Business!
Pre-Written Ad Copy Use These Ads to Promote the Email Processing System or ANY Business! This booklet is a product of the Email Processing System. It can not be given away for FREE and can only be sold
More informationTerms and Conditions
Below are the first 5 pages of our 11-page attorney-drafted WEBSITE AND BLOG TERMS AND CONDITIONS AGREEMENT (TERMS OF USE) Most terms of use agreements being offered on the Internet are only 3-5 pages
More informationHow to Open,Verify and Fund Accessible PayPal Account In Any Unsupported Country
Michael Nwanator's PayPal Solution PayPal Solution How to Open,Verify and Fund Accessible PayPal Account In Any Unsupported Country By Michael Nwanator www.4lucrativebiz.com Important: Free Giveaway Rights
More informationThe single biggest mistake many people make when starting a business is they'll create a product...
Killer Keyword Strategies - Day 1 "A Guaranteed Way To Find A Starving Crowd Using The Power Of Keyword Research..." The single biggest mistake many people make when starting a business is they'll create
More informationThe OMM Report ONLINE MONEY MAKER Conquer The Internet (2016)
The OMM Report ONLINE MONEY MAKER Conquer The Internet (2016) KEVIN MOET Copyright 2016 by Moet Pte. Ltd. Published by Moet Pte. Ltd. All rights reserved. No part of this publication may be reproduced,
More informationPayment Processor Secrets Page 1
Payment Processor Secrets Page 1 Table of Contents Introduction to Payment Processor Secrets... 2 Why Do You Need a Payment Processor?... 5 Traditional vs. Mobile... 6 Merchant Accounts... 7 Reputation...
More informationWarmest Regards, Josh Nelson President PlumberSEO Toll Free: 866-610- 4647 http://www.plumberseo.net Email: josh@plumberseo.net
Foreword Hi. This is Josh Nelson. Thank you very much for your request. I'm grateful for the opportunity to provide you with information about Search Engine Optimization (SO) and helping you choose a SEO
More information$100/hr anytime you want it!
$100/hr anytime you want it! (push a button system that works) 2011 DISCLAIMER/LEGAL NOTICES: This product is supplied for information purposes only and, as experienced in this subject matter as the contributors
More informationThe 4 Ways You Can. When A Realtor Can t Do The Job
The 4 Ways You Can Sell Your Home When A Realtor Can t Do The Job Table Of Contents: 1. Selling Your Home Fast. 2. Home Selling Guidelines 3. Is It A Good Idea To Sell The Home Yourself? 4. Marketing Your
More informationAnglia IT Solutions Managed Anti-SPAM
By Appointment to Her Majesty The Queen Supplier of IT Products and Support Anglia IT Solutions Limited Swaffham Anglia IT Solutions Managed Anti-SPAM A Simple Guide All Rights Reserved. This document
More informationWe are the regulator: Our job is to check whether hospitals, care homes and care services are meeting essential standards.
Inspection Report We are the regulator: Our job is to check whether hospitals, care homes and care services are meeting essential standards. Telegraph House 97 Telegraph Road, Deal, CT14 9DF Tel: 01304369031
More informationBook of over 45 Spells and magic spells that actually work, include love spells, health spells, wealth spells and learning spells and spells for life
Book of over 45 Spells and magic spells that actually work, include love spells, health spells, wealth spells and learning spells and spells for life Stop Chasing Happiness, Make it Find You! Here's how
More informationPlanning a Successful Facebook Fan Promotion
Planning a Successful Facebook Fan Promotion 10 things you need to do to make your campaign a success 2014 Copyright Constant Contact, Inc. 14-3931 v1.0 Helping Small Business Do More Business What is
More informationForex Morning Trade. System manual. by Mark Fric
Forex Morning Trade System manual by Mark Fric Dedicated to Elisabeth, for her ongoing support. 2 Risk Disclosure & Copyright Risk Disclosure Statement Trading any financial market involves risk. This
More informationWhat you should know about: Windows 7. What s changed? Why does it matter to me? Do I have to upgrade? Tim Wakeling
What you should know about: Windows 7 What s changed? Why does it matter to me? Do I have to upgrade? Tim Wakeling Contents What s all the fuss about?...1 Different Editions...2 Features...4 Should you
More informationChristopher Seder Affiliate Marketer
This Report Has Been Brought To You By: Christopher Seder Affiliate Marketer TABLE OF CONTENTS INTRODUCTION... 3 NOT BUILDING A LIST... 3 POOR CHOICE OF AFFILIATE PROGRAMS... 5 PUTTING TOO MANY OR TOO
More informationTerminology and Scripts: what you say will make a difference in your success
Terminology and Scripts: what you say will make a difference in your success Terminology Matters! Here are just three simple terminology suggestions which can help you enhance your ability to make your
More informationAll Rights Reserved.
All Rights Reserved. No part of this publication may be reproduced or transmitted in any form or by any means, electronic or mechanical. Any unauthorized use, sharing, reproduction, or distribution is
More informationTrue Stories: My Debt Crisis
Read the following article and consider the following questions for the individual involved: 1. What were the threats and poor decisions? 2. What were the positive actions and good decisions? 3. What would
More informationPass Your Driving Test - Mistakes to Avoid
Pass Your Driving Test - Mistakes to Avoid The problems that get solved on the Pass your Driving Test guide This Report Brought To You By: Stacie Mahoe Unexpected Blessing Visit Us At: www.unexpectedblessing.com
More informationINFORMATION WE MAY COLLECT FROM YOU
Privacy Policy ABOUT Prolific Academic Ltd. ("We") are committed to protecting and respecting your privacy. This policy (together with our terms of use and any other documents referred to on it) sets out
More informationHow To Never Fall Victim To A Betting System Scam Again...
presents... How To Never Fall Victim To A Betting System Scam Again... By Matt Bisogno www.geegeez.co.uk (c) Geegeez.co.uk, Matt Bisogno and Summum Bonum Ltd 2010 Page 1 Contents Introduction... 3 Warning
More informationHow to Use Solo Ads to. Grow Your Business
How to Use Solo Ads to Grow Your Business By: Reed Floren http://www.soloaddirectory.com The Basics of Solo Ads Solo ads a great way to market your business using a small scale method. Solo ads are basically
More informationDrop Shipping ebook. What s the Deal with Drop Shipping?
What s the Deal with Drop Shipping? How would you like to start an online store with minimal upfront investment and be able to run your business from anywhere in the world? Better yet, have someone else
More informationIncorporation: Limited company formation
Incorporation: Limited company formation 2 INCORPORATION INCORPORATION: TRADING AS A LIMITED COMPANY If you incorporate your business, you essentially create a separate legal entity (a limited company)
More informationPresented by SitesByDerek
Presented by SitesByDerek Table of Contents Is Free Hosting Reliable? 2 Why You Need a Good Hosting Service 2 Understanding Hosting Fundamentals 2 What is Dedicated Hosting? 2 Understanding Virtual Hosting
More informationJan Brzeski s Introductory List-Building
Jan Brzeski s Introductory List-Building Welcome and congratulations on picking up this guide which is going to give your life a totally new meaning. Bold claim right? Well, you ll agree with it after
More informationSocial Return on Investment
Social Return on Investment Valuing what you do Guidance on understanding and completing the Social Return on Investment toolkit for your organisation 60838 SROI v2.indd 1 07/03/2013 16:50 60838 SROI v2.indd
More informationFlexible Employment Solutions
Flexible Employment Solutions FPS Group - who are we? Established in 1994, FPS Group is the industry's most trusted and reliable employment solutions provider. Our team of professional and regulated industry
More informationHow To Accept Credit Cards From A Credit Card Provider
This page intentionally left blank START YOUR MERCHANT SERVICES ACCOUNT By Wendy Byford The ebook companion to the elearning module Start Your Merchant Services Account with Wendy Byford & Gary Bauer Start
More information