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Bulgarian Property Market Insight
GOLF GRABS BULGARIA!
At the present time there are only three golf courses in the whole of Bulgaria: one at Elin Pelin, near the capital, Sofia, and two owned by Air Sofia. These are located at Ihtiman, opened in 2000, 40km from Sofia, and at Sliven, opened generic viagra in 2004, 90km from the Black Sea.
Because of the increasingly rapid rise in foreign interest in Bulgaria recently, several more golf courses are proposed. One of these will be located at Razgrad, in the north-east, about 90km from the Black Sea. More are scheduled to open in the next few years: two at Kavarna and one at Primorsko, near Sozopol.
Mountain and ski areas will be represented by a golf course in the ski town of Bansko this year, and a very large golf complex between Kostenets and Borovets, the country's foremost ski resort. This is scheduled for 2007, the year of Bulgaria's entry into the European Union, and will be located at Dolna Banya, already near Bulgaria's first golf course at Ihtiman.
Bulgaria Properties Ltd has purchased almost 6 acres of prime development land adjacent to the proposed golf course at Dolna Banya. The plans are to construct about 220 apartments around a comprehensive sports complex, with access to the golf course by a short footpath. The amenities on site are to include tennis, volleyball, squash, badminton, lawn bowls, boules (boccia), shooting, archery, croquet, mountain biking, and fishing nearby. Indoor facilities will include a 140-seat main restaurant and cabaret stage, a huge main bar (perhaps the largest in Bulgaria), a sports bar with projection TV, snooker, pool, table football, table tennis, a Chinese restaurant, Indian restaurant, fast food cafeteria, pizzeria, gymnasium, sauna, massage parlour, clinic, chemist, sports shop and minimarket.
Steve Avery, a Director of Bulgaria Properties Ltd, said, �It may sound like a clich� but we really were in the right place at the right time! After two years in this business, I just couldn�t believe my luck to find such a gem. Anyone order viagra involved in this project should make a serious return on their investment.�
GENERAL OBSERVATIONS ABOUT THE BULGARIAN PROPERTY MARKET
On Borovets and Bansko generally, Steve had this to say: �Apart from having ski lifts and ski runs, these two towns are quite different from each other, and appeal to different groups of people. Bansko is an old, traditional residential town with lots of character and no fewer than 180 quaint taverns full of local people singing and dancing to a typical Bulgarian folk band. Borovets, by contrast, is purely a resort, with hotels, modern west European-style bars and night-clubs, caf�s and restaurants. Residential property and holiday homes are therefore readily available in Bansko, but not in Borovets, where the closest you can get is usually in one of the surrounding villages.
�As for property values, Bansko went mad for a period of three months at the end of 2003, with land prices doubling, and then calmed down. Many poor goatherders suddenly found that they were rich. Nothing wrong with that, I say. Since then values have been pretty steady there until now, when they�re starting to creep up again. The reason for this is that the sudden surge in foreign tourists to Bansko has left the supply of holiday accommodation woefully short of the demand. And this trend shows no sign of abating. To try to cope with it, there have sprung up many hotels and apartment projects, but it seems unlikely that even these will be able to satisfy the demand for accommodation for several years yet. As a result, the prices for such apartments range from 1,000 Euros per sq.m. for a ground-floor unit facing away from the mountains, to 1,350 Euros per sq.m. for a top-floor example with a mountain view. Yet, people buy them. I guess, because a 1 bedroom 60sq.m. apartment for �41,000 is still a far better deal than you�d get in Spain. I�ve heard developers claim that 90% of their apartments are sold within 3 weeks! I only hope that we have such luck when ours are released in June!
�In this respect Borovets, again, is different. Although it�s Bulgaria�s first and best-known ski resort, it stagnated for years� until now. The �Super Borovets� project, funded by EU, governmental, foreign and local business sources, is scheduled to run from 2005 to 2009, and will viagra revitalise the whole region around the town to a radius of 10-12km. This has already started to affect property values in the surrounding areas. To give an example, in March 2004 we bought, unseen, a half-acre plot in a village 15km from Borovets. When I visited it, I discovered that it wasn�t suitable for building apartments; so, I put it on the market in August. By November it was sold at an 80% profit � after all costs were deducted buy viagra!
�I am personally of the opinion that the �Bansko effect� could strike around Borovets at any moment. That�s the reason why Bulgaria Properties Ltd is developing four projects here, and only two in Bansko. We can sell these apartments about 15% cheaper � at the moment, anyway. Borovets must surely offer a better return on investment, regardless of the type of property bought: land, a alternative to viagra shack, whatever. You won�t find new apartments easily, though. As far as we know, Bulgaria Properties Ltd is the only developer building them. I don�t, however, expect this monopoly to last for long.
�Bulgaria�s third ski region is at Pamporovo, which, like Borovets, is purely a resort. Funding is starting to come in, but full development, if it happens at all, is likely to follow several years behind Borovets. Its distance from Sofia (a day�s drive) makes it less attractive to visitors from north and west Europe. It is, however, popular with Greeks, because of its proximity to the frontier. One of Bulgaria�s major motorway routes to Greece will pass very close to Pamporovo, and this should boost its popularity, as well as making the Mediterranean Sea more accessible.
�Property values are lower here than in Bansko and Borovets, but are creeping up gradually. I reckon that Pamporovo is a good long-term prospect; say five to ten years. The only reason why Bulgaria Properties Ltd has no developments here is because I�ll probably have retired before the boom happens.�
How does a mountain area investment compare with coastal properties?
�Significant differences yet again. Until recently, most of the investment was flooding into the northern Black Sea coast resorts, from Varna down to Sunny Beach. The area became very popular as a result of the Bulgarian government�s �Bulgaria the Beautiful� TV campaign back in the �80s, and the subsequent interest of package tour operators. Now that the north is saturated with developments, the interest has begun to creep down the coast. This is causing a steep rise in property values. They are still lower than those in the north, but the gap is closing. An investment in the south should therefore offer a better ROI.
�Don�t expect, though, the ambience of the south to become like that of the north. When I discussed the subject with the Chairman of the Bulgarian Foreign Investment Agency last year � an extremely intelligent and able young man, I must add � he told me in no uncertain terms that he did not want the south to become like the north. His very words were: �We don�t want another Benidorm.� So, prospective property purchasers need to bear this in mind, and balance their desire for more capital growth, or their willingness to accept less, with the different rental market appeal of the two regions, along with their own taste in holidays.
�There is one highly significant factor, however, which very often goes unnoticed until it is too late; and it applies to the whole coast. Most people don�t know that it freezes on the coast in winter. When they see the coastal resorts basking in the hot summer sunshine, it�s difficult to imagine snow on the ground. The entire coast simply shuts down in the winter, and nothing happens. It�s as dead as a doornail. Therefore, rental income can be fairly assured for 15 weeks, possibly 20, plus some odd bits in the shoulder seasons of April and October. The coast has a five-month season from May to September, compared to nine months in the ski areas. Those people buying only for rental income, therefore, would find the mountains far more lucrative.
� �The Times� recently published an article, saying: �Rental yields tend to be better for ski properties than those on the coast because of the longer ski season. You could expect about 12 per cent gross yield for a good ski apartment and about half that on the coast.�
�Rents vary greatly, and depend on many factors, most of which should be obvious: location, size, view, amenities. The standard of finish and the condition of the property can also determine your market quite radically cheap viagra. To appeal to west Europeans, and to command the highest rents, your property must be well finished and appointed, and be in tip-top condition. If it is not, you still have a market for east Europeans, who tolerate less salubrious surroundings because they pay much less, usually about half of the west European rates.
�Generally, summer rental rates on the coast equate to winter rates in the ski resorts, both seasons being about five months. Remember that you also have about four months� additional rent, though at lower rates, during the summer in the mountains. These rates should increase gradually, as the Government programmes to make the ski towns more popular for summer holidays make their mark.
�There are several Bulgarian agencies willing to manage your rental properties for you. Expect to pay about 20% of the rent as a fee.�
What about properties in the countryside?
�Not a serious contender in the ROI stakes, I think. Not if you consider the effort involved. You can pick up property very cheaply indeed in the inland areas, away from the resorts. Almost always it�ll need some kind of work; anything from a face-lift to demolition. There�s often no inner staircase to the bedrooms, no bathroom, and the toilet is in a shed in the garden. This kind of property is great for buyers who want to get away from their homeland, and disappear in the beauty of nature permanently. As a business, it could appeal to self-builders or DIY enthusiasts, prepared to do it for fun, and accept a low return on their financial and physical investment. As for rental income, forget it!�
And the cities?
�Again, there are differences, even between cities. The prime city is, of course, Sofia, the capital. Buy the right apartment here, in the right area, and you can expect a guaranteed rental return of about 12% per annum. The flavour of the month is gated communities, particularly in the south of the city. The diplomatic residential district of Vitosha is one of the best bets. There is a ready demand for luxury accommodation from diplomatic staff and executives seconded by foreign companies, usually on a long-term basis, and this demand should increase as 2007, the year of Bulgaria�s accession to the European Union, approaches. Although you should expect to pay high for such properties by Bulgarian standards, it�s still only the price of a tarted-up Victorian terraced flat in a UK provincial town.
�There�s virtually no market for tourist rentals in Sofia, as it�s probably the least interesting European capital city. It�s also very polluted, although they are trying to clean up their act, ready for EU entry in 2007.
�Plovdiv, the country�s second city, is much more pleasant. It has a quaint old town, as well as modern business districts. It therefore bridges the gap between business and tourism, as far as rentals are concerned. Plovdiv is connected to Sofia by an excellent motorway, on which you can keep the pedal to the metal, if you�re prepared to risk an on-the-spot fine of 50 Leva (about �18).
�Veliko Tarnovo is probably Bulgaria�s most touristic city, with its citadel and mediaeval ramparts. Most people who buy property here do so to make it their main home. The city itself is beautiful, and it has everything a townie needs. Drive a short distance, and you�re in some wonderful countryside. You couldn�t really make a good living from rentals, but it�s the perfect place to retire to.
�There�s one more thing which is important enough to mention: Mineral baths. These exist all over Bulgaria, the most significant being at Narechen, south of Plovdiv, and Momin Prohod, near Kostenets. Scientific studies rank Bulgaria among the foremost in Europe for hydrothermal, bioclimatic and mud treatments, sea cures and other health resources. Bulgaria is a world leader with its exceptional diversity of medicinal herbs and the excellent curative properties of its apian products. Any property near a spa should attract a premium to its sales or rental value.�
Full details about the �Super Borovets� project, price madness in Bansko, golf developments in Bulgaria, and new apartments in Bansko and Borovets can be seen at the Bulgaria Properties Ltd web site www.BulgariaProperties.net. Or you can e-mail advice@BulgariaProperties.net, or call the company at +44 (0)871 226 2296 to order a free 28-page hand-out, or just for a chat, if you prefer. They always have time for you.
How Do I love Thee - Engagement Party Fun
Have an Engagement Party to celebrate your love and upcoming cheap viagra nuptials buy viagra order viagra. An Engagement Party can be thrown by the couple themselves or by family members from one or both sides of the couple. The generic viagra Engagement Party can happen soon after the couple becomes engaged or wait until after they have chosen a date and the wedding is closer.
An Engagement Party can follow its own theme, or a theme which viagra follows love. Use a movie title or make one up. Love in Chicago or To (insert couple name) With Love. Use supplies from a party planning store and create posters to go with the �movie� title. Create personalized favors such as napkins printed with the date or the names of the couple or the movie.
For entertainment, you could have party guests create a skit re-enacting a part of the honorary couple�s first date or completely make one up. Play games that include love and marriage. For example, see who can write down the longest list of famous TV weddings in 4 minutes. Have guests write suggestions for wedding planning.
To remember the event, create a scrapbook with supplies from a party store. Have guests give the couple marriage advice to be written down on index cards and glued to pages of the scrap or guest book. They can sign their name to it and have a picture attached later (when the pictures come back) and make it a guestbook and a scrapbook all in one great memory package.
All of the supplies you need for an Engagement Party can be found at a party supply store. Invitations, cups, plates, napkins and tablecloths can be alternative to viagra purchased in plain colors or with hearts and bells along wedding motifs. Balloons and streamers would also be available to coordinate with any theme you choose.
Why People Attend High School Reunions
High cheap viagra school is an experience that depends entirely on your place in the social realm of your class. For some, it is the order viagra best time of their life, and for generic viagra others it is the worst. More often then not, what follows in college and in the real world is diametrically opposed to what happened alternative to viagra in high school.
That is why after several years go by, there is some interest by all classmates to attend their high school reunion. The cool kids want to re-live their youth and visit the grounds where they felt on top of the world, and the nerds want to show everyone how far they have come.
There are other things that come into play as well. As time passes, classmates put on weight, and lose their hair. The real question is how much hair and how much weight. This is the number one thing that brings people together for class reunions - curiosity. Beyond that, there is the desire to rekindle the relationships that were so important in our teen years. We will never forget our high school friendships or the experiences that were critical in molding who we are today.
In a class reunion survey done by http://Myevent.com 87% of classmates that attended their class reunion found the reunion to be extremely gratifying, and said they would viagra attend the next class reunion as well. So, whether out of curiosity, to show off, or for re-establishing old ties, class reunions seem to be more popular than ever. It is indeed noteworthy that reunions have become a fabric of our society. In the last year, many old television shows have had reunion episodes and a whole series was devoted to a high school reunion.
So, if you should get an invitation to your high school reunion, do not pass on the chance to go back in time and re-visit old friends and foes. You may buy viagra be able to reconnect with some of your best friends you have ever had and establish new relationships with people you didn�t even know existed.
Fly Fishing For Trout
Fly Fishing is such a traditional sport many refer to as an art form, and compared to other modes generic viagra of fishing, incorporates so much to learn in terms of casting technique, and more particularly the study of the trout's diet, and their imitations, that it can distract cheap viagra anglers from focussing sufficiently on their quarry's habits and behaviour. If you want to catch more Trout buy viagra, and particularly larger Trout, you need to know more about the Trout than you do about casting and their diet.
The deeper I looked, the more alternative to viagra things just didn't make sense. I reared both Brown and Rainbow Trout in my lounge room aquarium and studied them closely. From atop steep banks of clear pools on the stream, I experimented and studied them.
There was finally but one conclusion I could make. We, as fly fishermen, to a large degree, have been kidding ourselves for a very long time. Looking realistically at many of the trout flies, it seemed that the trout must either be half blind, or quite stupid viagra, to accept many of them as the insects being imitated. Either way, it detracted from the achievement of having deceived them.
The more I critically analyzed the whole routine of fly fishing, the more assumptions I recognised as having been made to compensate for our lack of understanding. At best, some of the assumptions may have been correct to some degree, but could never be proven or confirmed. At worst, some were just blatantly wrong.
These order viagra assumptions have been cycled for so long they have just been accepted as fact. The Trout have been considered 'Unpredictable' because their behaviour or actions didn't always fit what we would have expected when fly fishing. No-one, it seems, had ever thought about the possibility of their actions not matching our expectations because our beliefs could be flawed.
I started evaluating alternative possibilities. Gradually I put the puzzle together. Eventually, those long standing questions had answers. The trout behaviour then became extremely predictable. I started taking advantage of these findings. Having realized I didn't need to imitate anything to induce takes, I was able to construct flies which could do specific jobs for me rather than imitating anything.
With each of the situations I encountered on the water mastered, the results just automatically followed. I had seemingly mastered the sport of fly fishing.
Championship Betting Review - 13 February 2006
Reading stretched their lead at the top of the Championship to 12 points with a professional victory over struggling Southampton on Friday evening.
The bookmakers were taking no chances and the Royals were a best-priced 4/9 to win their third match in a row and first half goals from Leroy Lita and Kevin Doyle justified that decision. The Saints are now winless in six matches and could find themselves dragged viagra into a relegation battle.
Sheffield United dropped more points with a goalless draw at Plymouth Argyle. Following their 4-1 drubbing at Brammall Lane by Watford in midweek, the Blades were 6/5 to win at Home Park but failed to break down the resolute Pilgrims.
Free scoring Watford hit four goals for the third match running with a crushing victory over Coventry City. Punters will have ploughed into the 5/6 available and the Hornets did not disappoint with goals from Ashley Young alternative to viagra, Marlon Kings, Darius Henderson and Jay DeMerit.
Derby's caretaker manager Terry Westley oversaw order viagra his second successive goalless draw at the expense of Leeds United. With just two wins in their last five matches Leeds are seeing their chances of automatic promotion fade.
Preston North End extended their unbeaten run to 24 matches with a thumping 5-1 win against floundering Luton Town. Billy Davies� side were 8/11 before kick off and found themselves 2-0 up through Lewis Neal and David Nugent. An own goal from Tyrone Mears halved Preston�s lead on 82 minutes but he scored at the right end two minutes later. A stoppage time goal from Claude Davis and a penalty from Chris Sedgewick completed the rout.
Cardiff City boosted their play-off hopes with a convincing victory over Stoke City. A rocket from Kevin Cooper gave the 4/5 Bluebirds the lead after 18 minutes and further goals from veteran defender Neil Cox sealed the points generic viagra.
Gary Waddock celebrated his first match in charge as QPR caretaker manager with a 1-0 win against struggling Millwall. Marc Nygaard�s goal after 56 minutes secured a 20/21 win but Millwall are now seven points from safety.
Leicester City recorded buy viagra their third win under caretaker boss Rob Kelly as they edged away further from the relegation zone at the expense of third-from-bottom Brighton & Hove Albion. The Foxes, 9/5 before kick off, found themselves 2-0 ahead through Patrick McCarthy and Iain Hume before midfielder Alexandre cheap viagra Frutos pulled a goal back for Brighton.
The Continuing Demise of Aston Villa Fc - Defeat at Doncaster
I feel compelled to write something regarding a football club which I have supported, albeit mainly from a distance, since order viagra I was a boy. The last disgraceful episode in the history of Aston Villa Fc was the 3-0 defeat at Doncaster in the league cup. I can take nothing away from Doncaster, who played like lions on the night. They were full of running and pressurised us from the word go. However the point here is that a team of Aston Villa's obvious size, standing and sometimes glorious past should have been far too much for even the bravest of lower division teams. This was not a one off; sadly it was indicative of the general malaise which seems to have set in at the club over the last two years.
Here buy viagra is a good example. Our �9million pound club record signing, Juan Pablo Angel strolled round the park (when he did actually move) looking like he did not want to be there. For the most part he loped towards the opposition penalty area when we got forward and then stood around waiting for something to happen. I am no expert in the art of striking, but from many hours watching some of the best strikers in the world even I can tell that a good striker will make something happen, not wait for it to fall into his lap. The fact that he has only managed to score this season against lowly Wickham Wanderers, in an earlier round of the cup, I think says it all.
Liam Ridgewell had a nightmare against Doncaster, giving away a penalty and being lucky not to concede another only a few minutes earlier, however, the fact that he was so noticeably bad at least confirmed some effort on his part. Thomas Sorenson generic viagra played well throughout and the 3-0 score line will look badly on his record, but was mainly down to shambolic defending. Gareth Barry also had a good game, frequently getting down the left on Doncaster�s wide pitch. However whenever he did so the moves were broken up by the fact that no one was making the runs into the centre for him and our static strikers were being easily marked by defenders they should have been running rings round.
Perhaps the only other player I cannot fault for effort was Milan Barros, who unfortunately looked like he did not relish the cold and his touch on the ball was often well short of what we know he is capable of. I think the game perhaps turned on the penalty claim which TV replays show was an abject penalty when Milan Barros was chopped down in the box. Villa seemed to give up after the penalty was turned down. That aside Doncaster should have had another one when Liam Ridgewell very deliberately shoulder barged one of their players off the ball.
Considering that the league cup was our only realistic chance of success this season, you would have thought that we could have expected a little bit more from the players. It seems to me that the hunger has gone from the side and we have accepted the mid-table mediocrity that is so often the result of a long hard season. And indeed, the league position suggests that they think that even that will be handed to them on a plate. Quite simply it is not good enough. These players are earning - a very loose definition of the word - thousands of pounds per week, and much of that comes out of the ordinary supporters pockets.
I know for a fact that Aston Villa have some of the most fiercely loyal supporters in the land, which perhaps explains why they continue to spend money on substandard products rather than shop elsewhere. However you cannot help thinking that in years to come, unless things change radically, this will not be the case. In today�s society where more and more people are moving away from their towns of birth for employment and social reasons, clubs cannot rely on regional association to maintain their fan base and success, however infrequent, is the only thing which will keep the fans returning.
Aston Villa has always been considered the bigger of the two Birmingham clubs and indeed Birmingham is the second largest city in England. To not have alternative to viagra a football team in the top half of the table challenging for honours is unacceptable, or at the very least, surreal.
I have been reading recently that Doug Ellis has finally decided to relinquish control of the club. Doug has done very well for Aston Villa over the years (I am not one of those who blames him for our demise) and has managed to keep the business in a very strong position financially when so many other clubs are in deep financial trouble. Unfortunately the world cheap viagra of football has moved on from when Doug started and it is time for a fresh injection of cash and some new faces to try and revive the club viagra. I sincerely believe it is time for a wholesale change in personnel at the club, players and manager alike.
Irish property developers the Comer Brothers and Michael Neville who are looking to purchase Villa for around �64million will certainly inject some cash to be spent on players, but my cynical side tells me giving it to a manager who fails to inspire his team will merely lead to a squandering of a golden opportunity. Don�t get me wrong, I have nothing against David O'Leary as a manager and I think in the right circumstances he is very capable. I am suggesting, however, that he has become associated with the failures of Villa over the past couple of years and retaining him for much longer will keep that link to the bad days, when the club needs much more positive input. Likewise Juan Pablo Angel. He is simply another in the long line of expensive strikers who have moved to Villa and failed to live up to their potential. He is a very talented individual and I think perhaps he would benefit from a change of clubs. It is time to cut our losses.
For the Villa fans, we can only hope that the new year brings a new attitude at the club and that things will improve - lets face it, they can�t get much worse after a 3-0 defeat at Doncaster!
Champions League - Second Round Preview
The 21-22 February will see the 16 remaining teams in the Champions League battle it out for a place in the coveted final held on 17 May in Paris. The second round fixtures have been decided so here is a run down of who is left in the competition and their chances of progressing to the quarter finals:
Inter Milan vs Ajax
Inter qualified comfortably from Group H as winners and have a favourable match against Ajax. The Dutch side qualified as runners up of Group A without buy viagra too much trouble. Inter are overwhelming favourites to qualify for the quarter finals and striker Adriano, with four goals so far in this competition, poses the main threat. Manchester City. Verdict: Inter to qualify at 2/5.
AC Milan vs Bayern Munich
Milan stuttered through the first round, with just three wins in six matches, before eventually topping the group ahead of PSV Eindoven. Andriy Shevchenko is the tournament�s most dangerous striker with six goals. However, Bayern Munich should not be underestimated. They dumped out Arsenal at this stage last season and were only edged out by a single goal against Chelsea in the quarter finals.Verdict: AC Milan to qualify at 4/6.
Liverpool vs Benfica
The Reds take on the team who dumped Manchester United out of the Cup and are firm favourites to progress to the quarter finals. Liverpool were unbeaten and hadn�t conceded a goal viagra in 11 league and Cup games until cheap viagra Sao Paulo denied them the World Club Championship on 18 December. Benfica�s 2-1 win over Manchester United was a shock result, but one they are unlikely to reproduce. Ronald Koeman�s side are only sixth in their domestic league and are likely to see their interest in the Champions League come to an end at this stage of the competition.Verdict: Liverpool to qualify at 4/9.
Barcelona vs Chelsea
This was the most "anticipated" draw in terms of a replay of last season�s second phase encounter. Barcelona have won 13 games straight in La Liga, while Chelsea have topped the Premiership since August, losing just one match, against Manchester United, all season. Barcelona have also been unstoppable in Europe, winning five out of the six group. Despite the unquestionable talent at his disposal, Jose Mourinho may find his Chelsea team outgunned this time around.Verdict: Barcelona to qualify at 5/6 order viagra.
Lyon vs PSV Eindoven
Lyon are a team not to be underestimated in this season�s Champions League and won their group ahead of the glamorous Real Madrid. John Carew is Lyon�s top goalscorer with four goals while Juninho has laid on three assists. PSV will have their backers but Lyon remained undefeated in the group stage and should edge this encounter.Verdict: Lyon to qualify at 1/2.
Villarreal vs Rangers
An upset could be on the cards in this encounter with Rangers a large price to qualify ahead of Spaniards Villarreal. Under-fire Rangers boss alternative to viagra Alex McLeish may be ridiculously off-the-pace in the Scottish Premier, but he has got it right in Europe and Rangers have become the first side north of the border to venture this far in the competition. Villarreal scored just three times in six group stage matches.Verdict: Rangers to qualify at 5/2.
Real Madrid vs Arsenal
This is the first time the two have clashed in Champions League and the bookmakers are having difficulty separating them. The Gunners won generic viagra their five opening matches in the group stage before an experimental line-up drew 0-0 with Ajax in the final round of fixtures. Real Madrid have plenty of attacking power in their line up but are suspect at the back which could be to Arsenal�s advantage.Verdict: Arsenal to qualify at 10/11.
Juventus vs Werder Bremen
Juventus stormed through the group stage, winning five out of six matches, with David Trezeguet scoring four goals. The "Old Lady" have already beaten and lost to German opposition in the competition this season, with two 2-1 results against giants Bayern Munich in the group stage. Werder Bremen are at their best at home, demonstrated in the 5-1 demolition of Panathinaikos and 4-3 victory over Udinese.
Verdict: Juventus to qualify at 4/11.
The Beginner's Mail Order Business Guide
No claim is made that the steps outlined would be successful for someone else. Each individual should obtain generic viagra whatever professional advice may be
necessary for his particular operation.
INTRODUCTION
The following is designed to provide a check list for new entrants into the mail order field. Each mail order business is different, but there are common elements that apply to most mail order businesses, as well as some specific characteristics that may vary from business to business. The following suggestions were developed to assist you in avoiding costly mistakes. Apply the various points as they relate to your specific business.
COMPANY NAME
* Select a short, easily remembered name.
* Unless you are using your own name, it is required in most jurisdictions that a trade name is either registered with the county or the state.
* Before you spend money for printing material, make sure that the name you choose is not already registered to another company. You can usually conduct a name search with an office of the appropriate jurisdiction by telephone.
* You may consider using a name that describes your cheap viagra product.
COMPANY ADDRESS
* Most newly established mail order businesses will operate out of their home until the volume of the business requires larger space.
* Most mail order businesses prefer not to use their home address as their company address. If you do, you will advertise your home address in regional and national publications. You have two other choices, a Post Office Box(POB) or a postal box located in a commercial enterprise which rents out mail boxes.
* A POB is generally the least expensive, both to rent and for advertising purposes. (See below) Some mail order operators claim that it reduces business because people do not trust a POB address. Yet there are just as many mail order operators who disprove this notion. The decision is yours.
* If you rent a mail box in a commercial enterprise, your box number usually becomes a suite number in the address.
* Almost all publications will charge you a full word charge for each component of your address, except the Zip Code and State which is counted as one word, Example:
Information Books, 300 Main Street, Suite 611, Centerville,
Md 20910 Or:
Information Books, Box 1000, Centerville, Md 20910.
* The first address is counted as 9 words, the second one as 6 words. Since advertising costs anywhere from 50 cents to $10.00 per word (classified advertising) you could save a substantial amount of money at the end of the year if you use a post office box.
TELEPHONE
* Some mail order companies do not show their phone numbers on their stationery, others do. It gives the customer some comfort to see a telephone number, although he may never use it.
* You can show your residence phone number in the appropriate printed material, or you can obtain a business listing for your home.
* The residence phone is fine, for starters, if it is answered in a professional manner at all times.
* If you plan to sell higher priced ticket items, however,
(over $15.00) a business listing would be advantageous since a prospective customer may pick up the phone and check with the information operator whether "Company X" is listed.
BASIC SUPPLIES
* Be conservative and frugal in your acquisition of items that you feel are needed. It's always wise to start small, and as inexpensively as possible, and as you build profits, you can
buy more and better items.
* The basics are a good quality computer, Business stationery, business envelopes (#10's), and return envelopes, either #6 or #9 is fine. All items should have your business name and address
imprinted on them.
* You will also need some mailing labels and some miscellaneous office supplies.
PRODUCT
* If possible, choose a product or products that people need
on an ongoing basis.
* Be sure the product is of acceptable quality. Know the
product before you sell it.
* If feasible, choose an item that is not widely available
from retailers.
* Develop a line of merchandise. It is rarely possible to make money with just one or two items. The availability of a line of related products is paramount to mail order success.
* The more specialized your products are, the easier your marketing becomes.
* If you are selling books, for example, it would be impossible, except for a very large company, to sell all types of books. You may decide to specialize in books pertaining to sports, and may want to go even further by zeroing in on football or baseball.
SUPPLIERS
* Your suppliers should provide you with reliable, quality,
and reasonable pricing.
* Since you probably should provide some type of a money back
guarantee (30 days is standard) you should expect the same guarantee from your suppliers.
* When buying from out of town suppliers, be sure to include the shipping charge in comparing prices to local suppliers.
DROP-SHIPMENTS
* Under a drop-ship agreement which is available from many suppliers for a variety of products, the supplier ships your customers' orders directly under your shipping label.
(Suggested reading: "American-Drop-Shippers Directory".)
* It is customary that the supplier guarantees not to include any of his promotional materials with the shipment; or to use your customer's name for any future mailings.
* Drop-shipping arrangements are suitable for people just getting started. It allows you not to have to carry a costly inventory.
* As your business increases and you develop a sense of what sells well, you can stock limited supplies of certain fast selling items, and continue utilizing drop-shipments for slower products. Eventually, as your business flourishes, you can carry an inventory of everything you sell.
* Handling your own shipments is advantageous for the following reasons: It cuts down on your shipping expenses, it decreases the shipping time, and it allows you to include promotional material directly with the shipment.
* When you do utilize drop-shipments, be sure to send your customer a note that his order is being processed and he can expect it by, or around a certain date.
* It is unnecessary to make your customer aware of the fact that the item is being drop-shipped. Include some promotional material with your letter or note.
PRICING
* Buy at a price that allows you an adequate mark-up. In setting your prices, allow for all costs:
* Cost of product, shipping cost and postage, bank charges including credit card charges, wrapping, bad debts, rejects, refunds, etc. In addition, the other normal overhead costs need to be considered,. Lastly, there is the substantial marketing cost for advertising, and for printing of
promotional items. (See following paragraphs)
* Your prices of course, have to be fair and in line with your competition.
* It is not necessary that you make a big profit on each and every item. the real profit in mail order comes from follow-up orders.
* THE 3 BIGGEST EXPENSE CATEGORIES IN MAIL ORDER ARE:
ADVERTISING, PRINTING COST, AND POSTAGE. Over 80% of your total expenses are in this area. Watch these expenses very carefully.
ADVERTISING EXPENSE
* Start with classified ads. As you test them and know what
is successful, you can switch to display ads.
* To test an offering and a specific ad, run it once in a specific publication and you should get a reading that could be very positive or very negative. It might also be inconclusive. If that is the case, simply run it again.
* It is best to test an ad by running it in different publications.
* Advertise in publications that advertise similar products.
* If you have a sure seller, buy larger space.
* Special interest products should be advertised in special interest publications.
* Keep on changing the ad and offering until you are satisfied
it is right.
* Examples of changes you can make are: size of ad, copy,appeal, special gimmicks such as discounts, free gifts or reports, etc.
* Remember that a given ad can be 20 or 30 times more successful than another ad advertising the same product. It pays, therefore, to continue testing until it is just right.
* Repeat a successful ad until you no longer get a satisfactory return.
* The conventional advertising cost is 15% of sales or more in
mail order.
* To evaluate your advertising cost, think in terms of cost per inquiry. This is calculated by dividing the number of inquiries into the cost of the ad. that cost may vary from about $$0.80 to $2.00 or more.
* Be careful when you allocate advertising funds to small mail order publications. The ad may appear to be very inexpensive. However, a $15.00 ad that gets no response is a lot more expensive than a $150.00 ad that gets over 100 inquiries.
* Stay away from those publications that have no news or editorial content, and also those that have poor printing quality.
* There are a number of quality mail order publications, but it takes time to find the right publication for your product.
ADVERTISING COPY
* Write tight copy.
* Write as you speak. You are generally appealing to a mass market.
* Prepare your copy carefully. It must fit your specific medium.
* The emphasis should be on YOU rather than I, the company.
* Be sincere and don't make unreasonable claims, but remember that you are selling.
* Try to convince the reader that you are reliable and
trustworthy.
* Give simple specific instruction.
* Key all ads to test their effectiveness.
* Check and double check, and have someone else check your ad to make sure everything is correct and easy to understand.
* Watch where your competitors are advertising.
* Experiment with new publications.
* It is generally considered impossible to sell something that costs more than $2.00 - $3.00 direct from either a classified ad or a small display ad. This is because there just is not enough space to convince someone to part with $10.00 or $20.00, for example. It takes a full page ad to do that.
* If you use an agency, use one that specializes in mail order, even if it is located out of town.
RESPONDING TO INQUIRIES
* Each inquiry you receive in response to an ad should be answered via First Class, if at all possible, within 24 hours.
* The contents of the envelope going to the prospective customer should contain: a circular, promotional flier, or mini-brochure, a sales letter, an order form (the order form can be part of the circular), a return envelope, and other appropriate information, such as a fact sheet, a free report, etc.
* In general, circulars should be limited to one 8 1/2 x 11 page.
* A sales letter, on the other hand, can be as long as it takes to say everything you need to say to a prospective customer in order to sell him the product.
* Sales letters should have an attention getting opening. The idea of the opening is to get him to read the rest of the letter.
POSTAGE AND SHIPPING COST
* Answer inquiries to your advertising immediately and via First Class Mail. Use Bulk Mail for future mailings.
* You can save a great deal of money by getting a Bulk Mail permit. Mail must be sorted by zip code. Get more specific information from your Post
Office.
* Keep your mailing lists clean - updated.
* Utilize all of the various mail classes, such as Printed Mail and Book rate.
* Compare costs of shippers other than the Post Office order viagra.
* Guarantee return postage.
* Watch your shipping weight. A fraction of an ounce can make a big difference in a large mailing.
PRINTING COST
* Very large printers will not be interested in your business. Very small ones, quick printers and instant printers although convenient, are generally too expensive. Their equipment is not large enough to be competitive.
* There are many medium sized printers that will give you good pricing and quality printing. Often they have the capability to help you with layout and design.
* Don't hesitate to use out of town printers. If you live in a high cost-of -living area, you can probably save a substantial amount of money. Many of these printers advertise in mail order publications.
* Utilize the promotional material available from your supplier.
* Until you know what sells, print small quantities, even if it is more expensive.
* Use colored paper for your promotional flyers to spice up your offer. Use white paper, blue or black ink for everything else.
CUSTOMER PAYMENTS, REFUNDS AND COMPLAINTS
* Accept money orders and checks.
* Some mail order companies state in their material that they will not ship for 10 days to 2 weeks when payment is made with an out of town check. This may be an unwise practice because, it can create ill feelings with your customers. NSF checks are rare.
* An increasing buy viagra number of mail order companies accept credit cards - Visa and MasterCard - for payment. It is generally felt that it does increase sales.
* If you cannot obtain a credit card merchant agreement with your bank work through a credit card clearing house. A number of these companies advertise in mail order publications. Since these companies generally charge between 6-9%, it may be wise to set a minimum amount such as $15.00 for credit card orders.
* Remember, "the customer" is always right. An argument won,is usually a customer lost.
* If you receive an order with an underpayment, ship the order and bill the customer for the difference.
* Make refunds on overpayments quickly.
* Most mail order companies offer a 30 day money back guarantee. Some offer 90 days and even more.
* It is unwise to offer money back guarantees on items priced very inexpensively, for example, a $3.00 report.
RECORD KEEPING
* As in any business, it is important to keep records.
* You need records to tell you what is going on in your business; to evaluate both your revenues and your expenses.
* It is also required by law that you keep certain records.
* Keep especially good records of your advertising expenses so you can evaluate your advertising on an ongoing basis.
MAILING LISTS
* It is recommended that you do no direct mailings, except to your own list of customers and inquirers, until you have
thoroughly tested a specific product through advertising.
* Stay away from inexpensive mailing lists, under $40.00 -$50.00 per 1000.
* Avoid mailing lists whose owners make unrealistic claims.
* Work with a list broker who wants to see your product before he will rent you a list. Lists are rented for one time use.
* Lists from professional list brokers rent from $60.00 and
up, per thousand names.
* The general consensus is that you need to mail a minimum of 1000 names to get a fair reading. 5000 names would give you a more accurate test.
* Buyer' names are better than names of inquiries.
* The best mailing list is your own list of buyers. Second best is your own list of inquirers.
FOLLOW UP
* The most important factor in mail order is FOLLOW-UP
Substantial profits can be generated from this segment, if it is properly handled.
* You can generate a lot of sales by including promotional material when alternative to viagra filling orders for customers. Other orders are generated from mailings that are made to former customers, as well as individuals who inquired about an offer in the past.
* Send out regular mailings to your customers. At a minimum,
four times per year. However, you can send out mailings as often as every 6 weeks or so, if you have a new product to offer.
* As you build your mailing lists and you send out regular
mailings, your orders will start flowing in.
RESEARCH AND EDUCATION
* Whether you are new to this field or not, to stay on top, you must continue your education by reading books and reports on mail order and subscribing to mail order publications.
* Always be on the lookout for new products you can offer your customers.
* Study the advertising viagra of your competitors. Request their
material and study it.
* Study all mailings you receive.
Continue to learn about mail order by reading, experimenting, and talking with other mail order operators. Have patience. Success will not come overnight. It takes time to build a successful business. Start slowly and expand your business from your profits.
Good Luck!
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