Top Paying Affiliate Programs
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Top Paying Affiliate Programs
Working with a top paying affiliate programs doesn’t have to mean you offer you own goods or services. It’s very possible to promote what another person has to offer through various forms of affiliate programs. You may have come across various links on the websites you could have accessed on-line in the past. These are normally promotions for various affiliates as they put materials in as many places as possible in order to make money.
Why do web-sites accept web host these adverts for others? It is simply because they can make cash each time somebody clicks on those links. That money helps them to cover their own web hosting services and it can be very profitable as well depending on how much they earn per click and how the flow of traffic is.
There are many different affiliate products and services that you can advertise that you may have no problems finding something that fits your area of interest. This is a great idea to promote a number of different things so you have multiple streams of income coming your way on a regular basis. Before you invest in an affiliate program research this market to determine what you are able offer to your target audience.
The money you may earn per sell depends on the particular affiliate program you’re working with. Look for those that offer you plenty of opportunity as well as a considerable commission rate. It is crucial that you are confident in what you really are offering though because if the services or products aren’t worthy you may loose credibility with your client base. It isn’t worth it to make a fast buck and lose the chances of them to become duplicate buyer. It is much simpler to generate another sale from previous consumers than to continually try to find new clients.
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You need to market online programs that provide you 25% – 40% commission. If you are working for less than that, you will be investing too much effort for too little profit. There are some affiliate programs that offer a much higher percentage of commission but they are often products that are almost impossible to sell.
There are plenty of benefits when you’re part of an affiliate system as you can simply implement marketing, earn cash, and move on. You aren’t left to fill the orders, answer customer complaints, offer refunds, or deliver the products or services to those who buy something. You are able to concentrate on getting more links set up and developing profitable marketing methods so you can continue to increase your conversions into sales.
The process of making money with affiliate programs is very simple. Businesses offer this option because even though they have to pay you a percent of the sale, they’re still generating more money than they’d otherwise. Once you’ve chosen an affiliate program to work with, you will have a special code in a link to use. This ‘s what identifies it as you that made the sell and not another affiliate. The consumer never even knows that they’re buying from an affiliate instead of from the original business.
There are different tools available online which will assist you with successfully marketing your affiliate products. Some of the most popular ones contain banners and different types of advertisements you can implement on your web pages. Finding these power tools and learning how they work is essential to the success of your affiliate program.
Your marketing campaigns need to be in place to generate more traffic to make a purchase. Focus on what the goods or services you have to advertise can offer to the consumer so they are motivated to take action. You can make a very good living with various affiliate programs on the web if you understand how to successfully market what you are offering. This is a very simple way to make cash on-line without having very much money to invest.
top paying affiliate programs, affiliate programs, online affiliate programs, top affiliate programs, best affiliate programs
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Free MLM Leads, How to Build Your Business With Zero Money
http://justynalam.net/marketing-business/network-marketing-challenges/free-mlm-leads/
Free mlm leads can be the best leads you ever generate for your business, the most fun and easiest to generate However most mlm owners have a hard time grasping that fact. For free lead generation to become easier and more enjoyable you need to stop prospecting and start targeting your energy on creating relationships with your niche market by offering valuable information that’s in need.
You have to remember that his is a network marketing business, regardless of what type of company you are in. That is why if you want to create a successful business you need to market yourself and network with other marketers building trust and friendships. Paid advertising is fast and can create hundreds of leads in a day, but if you are reading this article free is all you can afford.
The first step that you should take is to get yourself as many marketing training courses and e-books as you can because in order to generate leads using free marketing strategies you need to have something to offer, many times when it comes to internet marketing that is information or tips that will other marketers may not have. Whatever budget you do have invest it into your marketing education, this investment will pay you forward many times over in the future. Some courses may have similar information but even if you get one new idea from each of them it was worth you purchasing it. This new knowledge will put you ahead of every other mlm marketers who don’t know anything other then paying for advertising, talking to friends and family and buying leads. That is the groundwork that is essential if you want to generate free leads.
If you are a on a budget you will should start mastering some of these marketing strategies to generate free mlm leads:
-Article marketing
-Blogging
-Press releases
-List builders
-Social media (Facebook, twitter, LinkedIn, Myspece)
-Video marketing
-Free classifieds (Craigslist, Backpages)
Your next step is, using any of the mentioned marketing strategies and apply all you learned by sharing it with other marketers. Start applying what you learned as quickly as possible and begin generating the free mlm leads. This is how you will know what strategies work for you and what you need to improve on and perfect. The only way you will truly master marketing and start becoming a leader and a person of value to your target customers is by actually going out and put yourself out there. Sharing your marketing skills and giving little tips will put you up as a person of value in the eyes of other marketers not just someone with something to sell. This builds trust and integrity for you on the internet giving you the ability to generate free mlm leads.
Your final step would be to offer valuable affiliate programs to the people on your lead list, that would help them in marketing and grow your relationship even more. This affiliate marketing will create a cash flow for your business even if your leads don’t join your business opportunity. Most training courses that you will find on the internet have affiliate programs and you will market them by simply including offers in your auto responder series you send out to your leads list. If you don’t know what type of training to do or how to create auto responder messages there are marketing systems out there that do all this, teach you how to market, have auto responders and great converting affiliate programs in there that you just have to put into your auto responder. This is the best and fastest way to grow and fund your business and getting out of your shoe string budget especially when your free mlm leads pay you to be your leads.
Before you pay for mlm leads consider what is the best strategy for your tight budget. If you want to learn how to generate countless leads without spending a dime on advertising start by investing in yourself by clicking on this link now http://vid.FastTrackMarketingSuccess.com for Free MLM Leads Secrets
Duration : 0:1:47
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Joint Venture Partnerships
Matt Raab and Randy Patrick search for Joint Venture partnerships in the the following states: Florida, California, Georgia, North Carolina and Arizona
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Choose the Best Affiliate Programs in Your Niche Market
Making money with affiliate programs is possible and there are thousands of affiliates making up to $10,000 each month from affiliate programs. There are also a few affiliates who generate up to million dollars per year only from affiliate programs. Some will tell you that affiliate programs do not work, it’s their way to say “I don’t want to work in the affiliate marketing business, or I cannot do so”, for more help visit to: www.boost-website-traffic.com.either way it’s you who determine if affiliate marketing can work for you or not.
Having your own content pages on the web, it can be your own website and it will be the better choice, or you can build content pages on other websites like social networks (Squidoo, hub pages and stamblupon ) but it’s very important to write your own content as reviews and information about the affiliate products.
Writing and distributing articles, this way you establish your own identity on the internet, and people can find out how expert you are. With article marketing you can generate traffic to your website or web pages and you can increase your webpage popularity. In either way using your links in the articles and in the resource box of the articles must be natural and you must invite your reader to click on your links to have more useful information from you.
Choose the best affiliate programs in your niche market, if you are willing to put effort promoting affiliate products, it will be easier and more profitable for you to promote the best affiliate products read the Best Affiliate Programs report to have an idea of how to choose the best affiliate programs to work with.
Use pay per click marketing to generate traffic to your review site, with some products you can directly send traffic to your affiliate links from PPC search engines but it’s also recommended to send the traffic first to your review pages to help your customers make up their mind about your products.
In most cases people love to compare products and compare its features before purchasing, you can do so for them in your page and buy giving them more products and information about those products and compare a few products and point out the best product. For more detail go to: www.money-secret-exposed.com. And by best products I mean the best for your customers not your bucket.
One huge mistake affiliates make is trying to hide, they don’t want their visitors to know that they are affiliates and they earn commission from the products. People do not care if you are earning a commission or not, they know that they will pay the same price for the product no matter how they got there, even if they went directly to owners website they still have to pay the same price. But people care if you are trying to help them or help yourself; so think about helping your customers and the money will come.
Learn affiliate marketing, knowledge separate us in the affiliate marketing business and any other online business. To be successful you need to learn, the best example is the Arabian-affiliate, when he decided to join the affiliate and network marketing business, he started learning the English language first then he learned everything about internet marketing, I know him personally and I know he spent thousands of dollars in the process, and he told me once “investing in education is investing in myself, and it’s the best investment you can make”. And he is now one of the most successful affiliates on the net, and he now has his own team working for him.
So invest in your knowledge, learn everything about your business and be updated of every new technology on the internet. Signing up for newsletters can help you get some of the information. Read this Home Business Marketing Report and all the other report on the Arabian-affiliate website.
http://www.ppc-profit-marketer.com
http://www.clickmagnet-secrets.com
masumgarg
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Analysis of Governance Issues in the Housing Market in Sierra Leone
Macro-Economic and Political Environment
The sluggish financial and economic progress of 2008, under the Koroma administration, nevertheless holds the possibility of strong and broad-based economic growth as the economy struggles to rebuild from the war years, together with moderate inflation levels. Over the medium term, any improvement in key sectors will offer hope that the economy will bottom out of aid dependency, given credible internal reform, strong policy-making and institutional investment. The country’s macroeconomic and financial policies devised and put to work within the context of the Poverty Reduction Growth Facility (PRGF) arrangement show the potential to accelerate trends that are promoting broad-based economic recovery.
The current democratic dispensation has created an enabling opportunity for the administration of Koroma to make a significant step in advancing economic and social development. Even better is the concept of “public value” and the “strategic triangle” approach adopted by the British international agency, Public Administration International, to have each Ministry and Department of the new administration in Sierra Leone to address and align questions of strategic goals and priorities in terms of public value outcomes to be achieved (Public Administration International). But the pervading deficiencies in the public administration are not a positive indication of good governance.
An aggressive effort, however, to involve the Diaspora resource in national development is gaining significance with the administration—a strategy likely to be more helpful. The current Diaspora engagement has opportunities to it for the economy and businesses. In addition, the PRGF recovery tool used by the Government of Sierra Leone—monetary and fiscal stimuli—will be relatively effective under the circumstances. This strategy of engaging the Diaspora has put the Koroma administration model of a free-market economy in the public interest.
With this new development in Sierra Leone’s political environment, the financial system is seen to be promising; and the regulatory framework, as having the potential to be fixed to curb widespread corruption. Now, searching for growth, the Koroma administration is opening up to ideas from the Diaspora to a degree that differentiates it from previous administrations. The government is turning a historic corner and heading into a period in which the role of the Diaspora will be formidable. The Office of Diaspora Affairs which has literally been recognized as an official agency of the government and is working “towards linking Sierra Leoneans from the Diaspora to different business opportunities, agencies, ministries, and departments in Sierra Leone” (Office of Diaspora Affairs) can be made to work better. The Office of Diaspora Affairs’ Diaspora Trust Fund, for instance, as a development vehicle for Diasporans to make an impact can be sufficiently used with specific terms of reference to mobilize Sierra Leoneans in the Diaspora to pool their remittances to buy into state-owned enterprises (SOEs) in Sierra Leone that are slated for privatization.
As it is the case, President Koroma has been quite open-minded, as well as the appeal of his style of democracy, appears to be restorative. Although Sierra Leone is fortunate that her governance problems have now being assumed with the promise inherent in the election of this insurance broker as president, historical forces—and the endemic nature of corruption in society—will pose a serious threat to his presidency regardless.
Indeed, the macroeconomic outlook is promising. The country shows the promise to benefit economically from the PRGF arrangement but only with unwavering commitment by the APC administration. The real estate sector is a growth market in Sierra Leone if given the attention it deserves. The export markets have the potential to grow as well and the overall growth rate of the tourism market and the service industry can also do very well with good governance. But the country is still rather stressed by unwilling cabinet ministers and public servants.
The balance of payments with higher merchandize imports is seemingly showing an increase accounted for mainly by an increase in imports of machinery and transport equipment, chemicals and manufactured goods; and mineral fuel and lubricants constituting the largest share of total imports look encouraging. Exports growth shows potential with diamond and gold exports forming by far the largest share of total exports. This relatively promising balance of payments position gives the country the opportunity to solidify its strategic advantages as the government struggles to rebuild. At the same time, this PRGF arrangement and the growing balance of payments may lead to a stable economy. Corruption minefields may be diminished, which may quicken the growth of the economy. And it is likely that, with Koroma less distracted by a corrupt cabinet, his administration will see more clearly than its predecessor that strengthening the economy by addressing corruption head on should become his government’s most important good governance strategy. The administration should now truly show commitment to lead efforts to improve Sierra Leone’s Human Development Index rating and expand the benefits of sound economic management to be felt at the household level in the form of improved income and job prospects as well as improved basic services that support the growth and productivity of the informal sector on which 80% of the active working population survive.
Underutilized Housing Market Sector
Sierra Leoneans are squeezed by a confluence of pressures, especially those with low incomes and uncertain formal access to secure land. There are images of famished existence seen in many places. Kroo Bay, for instance, is one of Sierra Leone’s largest informal settlements, with an estimated population of about 10,000 inhabitants. It is also the most impoverished and neglected area, with no supply of drinkable water, no electricity and lacking all public services. Kroo Bay is part of the urban core, located on the coastline in central Freetown. Informal settlements are also present in the Bormeh, Government Wharf and Susan’s Bay easements and on both private and public lands. The characteristics of these settlements share common features that are more evident in some areas than others. They are located on marginal land (including under bridges and flyovers) with poor drainage and extremely poor housing conditions with few foundations, makeshift roofs and impermanent building materials.
The government has a lot of work to do to make the housing sector in Sierra Leone viable. The country’s housing market crisis portends a combination of a much disorganized land tenure system and poorly developed mortgage market. The disorganized land tenure system reflects the Ministry of Land’s overly corrupt handling of land estates. The poorly developed mortgage market reflects, among other factors, a weakness in housing and nonresidential construction in Sierra Leone. Policy makers apparently lack appreciation for a stable mortgage market and has not created the enabling environment to encourage banks to reform bank business models and practices to accommodate the intricacies of commercial and mortgage banking. But it is obvious that access to land and housing for most Sierra Leoneans is still tantamount to the ultimate form of social security. It is for this reason that most urban and rural Sierra Leoneans would sell their houses only under the direst of circumstances, and they are generally comfortable with customary ownership of land. In reality, widely shared social values affect attitudes towards the marketability of land and housing.
Escalating prices on land with legitimate titles on the one hand, and multiple disputed sales of land with phony titles on the other, are especially inconvenient risks, especially in urban areas. A general lack of security, whether social, legal, or economic, is inimical to financing housing, and land problems in Sierra Leone represent the highest risk to the development of a vibrant housing system. Land banking by developing an integrated management information system with detailed property information for property development is essentially one critical response to the current inefficient land management system. Fundamentally, this requires also a sophisticated construction management and loan product development program in place.
Sierra Leone does not have a source of home loan money. Even though the Sierra Leone Housing Corporation (SALHOC) as a parastatal (semi official) body that “follows government housing policies is designed to create partnerships with the private sector, NGOs and the public sector to make housing services accessible to all sectors of society, particularly the poor” (Report on Country of Return Information), it does not have a matured mortgage operation that provides borrowers with major mortgage loans.
Facing the underutilized housing market in Sierra Leone, the government can act responsibly by promoting the growth of home ownership and facilitating the provision of a secondary mortgage market. This is how Fannie Mae succeeded to help millions of Americans achieve the dream of home ownership. A secondary mortgage market exists in the buying and selling of a mortgage from one lender to another. A bank or mortgage company that provides a loan turns around and sells that mortgage to the government parastatal that has to be properly set up to handle such purchases. This frees up their cash to make another mortgage loan. And the cycle of growth is expanded and sustained in this manner. The idea and concept worked for Fannie Mae, SALHOC can therefore adapt some features of the Fannie Mae concept to set up its mortgage operation in Sierra Leone as a privately held, stock ownership company that will promote the growth of the housing industry by making it possible for many low-to-middle income Sierra Leoneans to own homes. Investors, especially Sierra Leoneans at home and in the Diaspora can purchase stock in the Sierra Leone Housing Corporation, and this will not only increase their own wealth, but will also help to fund the home ownership possibilities for a new generation of Sierra Leoneans. Through the issuance of mortgage backed securities, for instance, the reformed Sierra Leone Housing Corporation can guarantee investors a return on their investment, and at the same time, providing a source of funding for issuing further mortgages. This provides the nation’s lenders with a steady stream of cash to continue to make mortgages available to the consumer thus supporting a steady and continual cycle of growth.
With a sustained flood of mortgage money, there will be a growth in residential and commercial real estate. Most Sierra Leoneans are squeezed by a variety of pressures, especially low income individuals and those with uncertain access to secure land. Urbanization has been a contributing factor to poor housing with more than 60% of communities in metropolitan Freetown, for instance, living in informal housing. There is sufficient evidence, however, to suggest that communities are able to become sufficiently organized to drive settlement upgrading in partnership with government and the private sector.
Rough-and-Tumble of Sierra Leone’s Economic Politics
It is increasingly evident that the government has to work to stave off a sustained slump in Sierra Leone’s economy. The healing wounds of war are still being used by politicians to justify Sierra Leone’s rating in the Index of Economic Freedom which remains significantly below the world average in seven areas. The judicial system is riddled with corruption (as is virtually all of the civil service). The labor market is highly inflexible and Sierra Leone is one of the world’s least free. Liberalization of the trade regime is progressing, but import taxes and fees, non-transparent regulations, inefficient customs implementation, inadequate infrastructure, and corruption add to the cost of trade. Sierra Leone has relatively high tax rates. The budget deficit has been somewhat reduced, but better spending management is needed as reiterated by the president himself that “it is no secret that due to … poor management of national resources, Sierra Leone has lagged behind in the areas of social and economic development” (Sierra Leone Web).
Inflation is high, averaging 10.6 percent between 2004 and 2006. Unstable prices explain most of the monetary freedom score. Corruption is perceived as pervasive. Sierra Leone ranks 142nd out of 163 countries in Transparency International’s Corruption Perceptions Index for 2006. International companies cite corruption in all branches of government as an obstacle to investment. Official corruption is exacerbated by low civil service salaries and a lack of accountability. Inflexible employment regulations hinder overall productivity growth and employment opportunities. Sierra Leone’s labor freedom is among the world’s 20 lowest. (Source: 2008 Index of Economic Freedom).
The Koroma administration has a responsibility to clear up the clouds of economic gloom and despair which have gathered over Sierra Leone’s economy for decades. The administration has to propel the engines that could pull the nation out of her chronic gloom. Even though some fear the worst: that “the real GDP growth for Sierra Leone is forecast to slow from an estimated 6% in 2008 to 4.8% in 2009, as post-war recovery tails off and the global financial crisis reduces demand for Sierra Leone’s exports” (Economist Intelligence Unit) as reported by the Economist Intelligence Unit, a division of London’s Economist Group; all is not lost.
The pessimism may be overdone. Sierra Leone is still one of the most resourceful parts of the world in terms of natural abundance. Even though the country faces such daunting economic difficulties that do not seem to go away, Koroma only has to prove the pessimists who see the regime change as all mouth and no trousers—that much of it made up by old budget commitments, double-counting and empty promises—wrong. He has to prove that it was not mainly propaganda; and to convince Sierra Leone’s own people and the outside world that his government is serious about stimulating development and is ready to take radical steps to spend infrastructure money and providing a decent social safety net for Sierra Leoneans, especially in housing, education and health care.
Financial Sector and the Housing Market
Sierra Leone’s financial sector holds promise for reaching broader and deeper into the housing market. The vast majority of Sierra Leoneans evidently do not have access to asset-backed finance or mortgage finance, but low and moderate income households are beginning to participate broadly in the maturation of the microfinance industry. The (PRSF), initiated in 2002, is one indication of the commitment of the government, the Bank of Sierra Leone, and the donor community to support financial sector development. The PRGF project was undertaken primarily to support concessional lending practices and debt relief under the joint Heavily Indebted Poor Countries (HIPC) Initiative. The targets and policy conditions in a PRGF-supported program are drawn from the country’s PRSP. “Key policy measures and structural reforms aimed at poverty reduction and growth are identified and prioritized during the PRSP process” (IMF).
There is apparent need for improved housing conditions in Sierra Leone, especially for lower income Sierra Leoneans. There are potentials for the sector if the government could commission the Sierra Leone Housing Corporation and interested investors with substantial microfinance experience to assess trends in public and private sector delivery of affordable housing in the country and to make strategic recommendations for tangible, replicable and sustainable interventions that would enhance the amelioration of housing conditions for the majority of Sierra Leoneans. A technical assessment to broadly examine the trends, risks and opportunities to meet the critical challenge of affordable housing in Sierra Leone is critical at this point in time. The specific objectives for such an assessment is to:
· analyze the strategies, experience and roles (public and private) for the delivery of affordable housing in Sierra Leone;
· determine the main reasons for any constraints in the delivery of affordable housing solutions (including costs, appropriate construction approaches and materials, finance and land);
· understand the extent and the characteristics of the potential market for affordable housing in Sierra Leone; and
· recommend tangible strategies to the Government of Sierra Leone and other potential key players to meet current demand for affordable housing, focusing on the appropriate housing typologies, financing, and the legal and regulatory framework.
The government should be open-minded in terms of understanding of the optimal factors that comprise an “enabling environment” in which a vibrant and equitable housing sector may develop. A stable macro-economic and political environment in which low and moderate income people are able to create effective demand for housing finance and other inputs into the housing improvement process is a necessary condition for such an enabling environment. The right policies to ensure efficient and equitable land markets will promote a sense of security for all sectors of society and therefore spur household investment. Such supportive legal and regulatory frameworks will also promote broad community and private sector participation in housing development and upgrading processes.
The way out of the current economic woes of Sierra Leone is to have a macroeconomic policy designed to accelerate the process of growth and transformation of the economy under competitive conditions. A stable political environment has already been created with the successful democratic dispensation of 2007. In spite of some economic risks due to increases in oil prices, Sierra Leone possesses the potential for a stable macro-economic and socio-political environment under which an affordable housing sector could take off. The government only has to embark on a comprehensive macroeconomic stability strategy. The main thrust is to create wealth and reduce poverty as defined in the government’s PRSP, which was introduced to ensure the country benefited from debt cancellation. The PRSP supposed to be a demonstration of the government’s long-term commitment to reduce poverty and enhance economic and social growth in both rural and urban communities. Therefore, a developer-driven and household-led incremental housing or community-led settlement upgrading should be aligned with this strategy which seeks to protect the vulnerable segments of society. Improving public expenditure management and fiscal resources mobilization; and pursuing price and exchange rate stability are measures needing to be put in place by the government. The administration has to keep trends in the key economic parameters stable in order to grow the economy and to keep fiscal position in line with budget projections and revenue generation by the responsible agencies.
The bottom line is that the economy has to create jobs in order for people to afford a range of housing opportunities. Positively, Sierra Leone’s major exports of bauxite, diamond and gold enjoyed favorable prices in 2007 and 2008 which, together with inflows from both foreign donors and private remittances, have helped to improve the country’s import cover and reduced exchange rate volatility. The impact of remittances is equally phenomenal. Official private remittances are growing according to an International Monetary Fund (IMF) report on remittances (IMF). Even though, therefore, Sierra Leone’s financial system has been a shadow of itself for many decades and the depreciation of the Leone has been dramatic, the potentials for growth exist. There are possibilities of investment opportunities with predictable inflation, exchange and interest rates to impact the housing market in Sierra Leone.
Reducing inflation to single digits thus has to be one of the corner stones of the present government. For this to happen, Koroma and his government must seriously commit to creating a dynamic private sector to fuel economic growth and improve people’s living standards. This commitment should be expressed in terms of closer collaboration and partnership with the private sector and the privatization of many state-owned enterprises (including the Sierra Leone Housing Corporation (SALHOC), the Sierra Leone Airport Authority, the Sierra Leone Telecommunications Company (SLTC), the Sierra Leone State Lottery Company, the Guma Valley Water Company Limited, the National Power Authority, the Sierra Leone Ports Authority, Sierra Leone Postal Services, the Sierra Leone Commercial Bank (SLCB), the National Insurance Company (NIC), the Rokel Commercial Bank (RCB), and the Sierra Leone Road Transport Corporation (SLRTC). In line with this vision, the mandate of the Sierra Leone Investment and Export Promotion Agency (SLIEPA), which now replaces SLEDIC, in addition to providing a range of services that aim at assisting exporters to source market and penetrate overseas markets, should be expanded to facilitate the development and growth of a competitive and vibrant private sector and also to help reduce the cost of doing business in Sierra Leone.
The land ownership system in Sierra Leone which is governed by a complex operation of customary, statutory, and common law also needs to be given considerable attention. Corruption and land disputes, especially involving public lands in urbanizing areas, have been experienced by significant majorities. The lack of uniformity, complex codes, administrative requirements, and the dualism in land tenure is a risk to an effective housing finance market due to the uncertainties and litigation potential. What could be an interesting response to the current inefficient land management system is to manage a comprehensive land banking system for an efficiently coordinated property development program. It is not clear at this time what the relationship is or will be between the government’s inventory-taking exercise and the current land banking efforts. A significant development within such a program is the National Social Security and Insurance Trust (NASSIT) and its underlying interests in the country’s housing sector.
The National Social Security and Insurance Trust (NASSIT) is a quasi-public entity involved in the government’s inventory-taking exercise and the current land banking efforts. “It is a Statutory Public Trust set up by the National Social Security and Insurance Trust Act No. 5 of 2001 to administer Sierra Leone’s National Pension Scheme. The trust was established to provide retirement and other benefits to meet the contingency needs of workers and their dependants” (NASSIT). It is the sole legally authorized institution that manages a pension scheme for workers in Sierra Leone, in accordance with Act No. 5 of 2001, which requires Sierra Leonean employees of companies operating in Sierra Leone to be members of the scheme. In addition, to collection of contributions (30% of the insured’s average earnings for the first 15 years of coverage, plus 2% of the insured’s average earnings for each additional 12-month period) and administration of benefits. It also manages the assets of the scheme. These assets include real property of various forms, including the development of a housing stock of formal rental units in the country in a joint venture with the American firm ‘Regimanuel Gray Constructors’ which has a plan of investing over 50 Million US Dollars in the country’s housing market in five years.
Policy Recommendations
One is tempted to deliver a whole host of recommendations for improving affordable housing policy and processes in Sierra Leone. A policy that stimulates more innovative and more intensive use of land in or nearby urban centers or in built-up environments can help the housing market in Sierra Leone. The national housing market should be understood and analyzed according to various market segments to enable more people to benefit from housing investment, whether personal or institutional. A developer-driven housing conventional strategy for the supply of separate and semi-detached housing can be geared toward the formally employed professionals—a segment that could be served rather efficiently by the real estate development industry and the commercial banks, with mortgage finance. The majority of Sierra Leoneans are building, extending and improving their houses as circumstances and household resources warrant. Financing incremental housing may therefore be facilitated through forging a link with commercial banks.
The government should also facilitate informal settlement upgrading for areas like Kroo Bay, Bormeh, Susan’s Bay, and Government Wharf by the different groups that reside there with technical support from specialists in this field. Such a decision will release an enormous amount of good will. The ensuing results will be striking. The country needs a well managed settlement upgrading and “de-densification” or resettlement of families program.
Wholesale financing arrangement between mainstream commercial banks and other qualifying private institutions that will ensure sustained funding for the market segment of incremental housing is also strategic. Such an arrangement takes advantage of the proportional benefits of each level in the finance system as well as the strengths of government. Market-related interest rates that will be charged at both the wholesale and retail levels, and accompanied by sound financial and risk management, will permit the possibility of an enabling financial sector integration. The use of market-related interest rates will enable the wholesale operation to gear additional private savings from other private institutions and develop a sound secondary market. Likewise, more low-income households will have the opportunity to establish sound, transferable credit histories and become repeat borrowers.
Also, a privatized Sierra Leone Housing Corporation can be very instrumental in institutionalizing the modern mortgage system in Sierra Leone. The Sierra Leone Housing Corporation can be transformed to a leading home loan supplier in lending to underserved populations in Sierra Leone. If done well, the reengineered Corporation can be a darling of socially responsible investing with lending policies that should not be a barrier to home ownership in Sierra Leone.
The problem, however, of urban households lacking sustainable access to finance and appropriate financial arrangements to improve their housing and shelter-related environments cannot be ignored. Because many households are generally financially challenged, lending institutions must understand that this incipient market is high risk. Taking on greater risk may therefore require wholesale financial institutions to undertake sophisticated risk management practices and investment strategies to protect stock holders and end-user clients.
Kenday S. Kamara
http://www.articlesbase.com/home-business-articles/analysis-of-governance-issues-in-the-housing-market-in-sierra-leone-741529.html
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Affiliate Programs Can Be A Beginners Friend
You can dive into the world of affiliate marketing free. Also known as referral marketing
So, what is an affiliate and what does he or she do? The marketer acts as a middle man between seller and consumer, but without adding anything to the consumers cost. They do not mark up or resell products.
Instead, the affiliate educates and directs the consumer to a product, and he receives a percentage of the sale in commission from the merchant.
The affiliate acts as an independent lead generator for the merchant
by bringing in new customers.
This is a win-win situation for both the affiliate and the merchant.
The affiliate can reap a full-time income marketing a whole suite of products that he does not own. He doesn’t pay for product creation, doesn’t have to ship anything and doesn’t deal with customer service issues or returns. The merchant benefits from the influx of new customers, the boatloads of cheap traffic and low cost advertising. Merchants get their product and their brand in front of thousands of potential buyers without paying a dime until someone makes a purchase.
It is truly a pay for performance arrangement.
Before you begin your venture into affiliate marketing, it is necessary to choose the right program for you. There are almost as many programs out there as there are products! When you first start out, it’s easy to go overboard signing up to as many programs as possible, but this isn’t the right way to go about it.
First, you need to decide on a area of particular interest to you. What
products do you know the most about and think you could do the best job
of selling?
Once you identify your specialty, you begin by sorting through the available
merchants and examine the structure of their affiliate programs.
Key areas to investigate:
1.When and how do you get paid?
Find out whether the program pays you weekly, bi-monthly, monthly, etc. Most
programs have a minimum payout amount, meaning that you don’t receive your
commissions until hitting a minimum number of sales for the pay period. You’ll
also want to find out whether the programs pays you via check, direct deposit,
Pay Pal or any combination of the three.
2.What is your percentage per sale?
Remember you’ll be investing your own money into advertising and other expenses to promote these programs. Therefore, you should seek programs which reward their affiliates well. You’ll also want to seek out high-value products. A fifty to sixty percent commission on a $100 product is very good, but it’s not so hot if you’re promoting a $15 product.
3.Is this company reputable and well managed?
Larger companies usually have affiliate managers devoted to maintaining contact with their affiliates. Even if you go with a smaller outfit, they should at least offer clear contact information. You might want to try e-mailing them at their contact address to see how fast they respond to you. Mismanaged programs are, at best, a sign of disorganization and, at worst, could indicate a company in trouble. The last thing you want is to be sitting on a grand worth of hard earned commissions and see the merchant go out of business before paying you.
Keeping these factors in mind, here are some great places to seek out products
you can promote:
www.clickbank.com
www.cj.com
www.linkshare.com
Commission Junction (CJ) and Linkshare provide affiliate hubs for major brand
corporations and mid-sized businesses. Their focus is generally on tangible products and services. Clickbank is the leading source online for affiliates of information products like e-books, software and membership sites.
Warren Peters
http://www.articlesbase.com/online-promotion-articles/affiliate-programs-can-be-a-beginners-friend-197701.html
