Case Study Articles for Harteis

Fred Harteis Business News - Crazy loans: Is this how the boom ends?

Fred Harteis Business News – Real Estate prices on the rise.

These prices are crazy, you think as you scan the local real estate listings. How can anyone afford to buy a house in this market?

That's a question a lot of home buyers are asking themselves these days, and a growing number are coming up with the same answer: Skip the 30-year fixed-rate mortgage and grab a riskier loan with a lower initial payment.

Interest-only, option-payment, 40-year fixed, piggy-back loan, low-doc loan: These weird mortgages come in an assortment of names and flavors, but they all have the same goal -- to help you afford an expensive home. How? More often than not by letting you put off paying down your mortgage.

A few years ago, so-called "nontraditional" mortgages were a mere sliver of the market (less than 3 percent by some estimates); a July survey by the mortgages Federal Reserve found that they now account for more than a quarter of new business at a third of the nation's largest home lenders.

That swift rise has industry observers worried.

"We're very concerned with how safe these products are," says Stu Feldstein, president of financial research firm SMR Research. "There's an awful lot of risk out there."

But who's at risk? Almost everyone. If you're a buyer, the risk is that you'll find yourself with a loan you won't be able to afford in a few years. But even if you're among the 75 percent of borrowers with a stodgy fixed-rate loan or the lucky 35 percent of homeowners with no mortgage at all, this loan lunacy could pose a danger to your home's value.

That's because experts fear that the rash of nontraditional loans has been driving up prices in many markets -- and could intensify the decline if prices soften.

"I think the creative mortgage structures have been the last puff on the real estate balloon," says Nick Buss, vice president of market research at PNC Finance. "Consumers were already stretched, and these products have stretched them just a little bit further."

The affordability puzzle

Taking out a risky mortgage is seldom the first choice for borrowers. A recent survey by the Consumer Federation of America found that an overwhelming majority of consumers prefer a fixed-rate loan.

Yet when faced with the prospect of having to put off owning a home, buyers have been looking for any way to get in, especially when it means (they hope) a chance to ride the double-digit gains that homeowners have been racking up.

The solution: Borrow 100 percent of the price. Take an adjustable rate. Pay just interest for a few years (or not even that much) and hope to sell for a profit or find a way to pay more later. Whatever it takes.

Banks, meanwhile, are looking for ways to continue to lend money as home prices rise. For both borrower and lender, the underlying assumption is that the market will continue to move in one direction -- up, up, up. In a few years, the thinking goes, borrowers can use their inflated equity to refinance into a safer loan.

Trouble is, there's simply no guarantee that housing prices will continue to climb. And if prices soften and interest rates rise, the abundance of adjustable-rate, interest- only, option-payment and similar loans could backfire in several ways.

For borrowers, the biggest risk is payment shock. Say you buy a $300,000 home, financing 100 percent of the price with an interest-only loan. In five years, if your rate rises just as your principal becomes due, your monthly payment could easily spike by 50 percent. With little or no equity to fall back on for a refinancing, you could be forced to sell quickly or even default on the loan. (What's worse, if your home is worth just 5 percent less, you'll have to come up with $15,000 to pay off your mortgage.)

To read the complete business news article from our news partner…..

http://money.cnn.com/2005/09/15/real_estate/financing/crazy_loans_0510/index.htm

Source: Cnn.com

© 2005 views and news feature of Fred Harteis views/news site. All right reserved.

New NAO never accept ordinary™ Cosmetics Takes the Web by Storm

says Greg Duncan of IBOAI

Fred Harteis Reviews – Greg Duncan New NAO

“The NAO never accept ordinary™ live web cast fashion show wows thousands.” – Greg Duncan

Grand Rapids, Mich., 23 September 2005 – Greg Duncan, Vice President of the Independent Business Owners Association International (IBOAI, www.iboai.com) invites you to experience NAO never accept ordinary™ cosmetics from Quixtar (www.quixtar.com.)

            “Our members, Independent Business Owners powered by Quixtar are psyched about this hot, new cosmetics line,” said Greg Duncan. “NAO never accept ordinary is designed to meet the constantly changing needs of today’s savvy, independent beauty consumer.”

            “With more and more young people choosing to start their own Quixtar business, we’re finding a greater demand for exciting new products for IBOs to offer their clients. NAO is just what they’re looking for,” said Greg Duncan.

            “On Wednesday this week, thousands of IBOs and their customers logged into the front row of a fabulous, live on the web fashion event featuring NAO,” continued Duncan. “Hosted by NAO spokesperson and renowned make-up artist Jeannie Mai, they learned all the ins and outs of this revolutionary make-up line”

          Those who missed the opportunity to view the event “live” can now visit www.naocosmetics.com to view the event, at their convenience. “They’ll experience what makes NAO so distinct from other makeup lines by viewing different NAO looks brought to life by six runway models,” adds Greg Duncan. “They‘ll also watch Jeannie Mai help three ordinary women uncover their individual beauty with NAO never accept ordinary.”

            “NAO never accept ordinary cosmetics are available in the United States and Canada exclusively from our trade association members, Independent Business Owners (IBOs) in the United States and Canada, powered by Quixtar,” says Greg Duncan.

About the IBOAI

“The official Trade Association, IBOAI is dedicated to serving and protecting the interests of Quixtar powered Independent Business Owners (IBOs) throughout North America,” states Greg Duncan, of IBOAI. Governed by a Board of Directors, the IBOAI:

·         Protects the best interests of IBOs and serves as an advocate in IBO issues.

·         Promotes and protects the integrity of the Independent Business Ownership Plan.

·         Ensures that the business opportunity today is as good or better for future generations.

·         Acts as an advisory group to Quixtar Inc. and Quixtar Canada Corp.

The IBOAI Board of Directors Executive Committee includes IBOs Billy Florence, President, Greg Duncan, Vice President, Don Wilson, Secretary/Treasurer, Fred Harteis, Past President, Jody Victor, Angelo Nardone, Steve Woods, Tim Foley, and Mark Crawford.

Related links:
Greg Duncan                          http://www.iboai.com/IBOAI_ExecutiveCommittee.asp

IBOAI                                       www.iboai.com
NAO never accept ordinary    www.naocosmetics.com

Fred Harteis News - College majors that boost your paycheck

Fred Harteis News – Looking for the best college major for the best paycheck, read on.

Knowing history is important, lest you repeat it. And everyone appreciates a film major when discussing directors over dinner.

But when it's time to switch from paying tuition to collecting a paycheck, nothing will lock down a starting salary like these three majors: Engineering, engineering and engineering.

Actually, make that seven engineerings.

Some type of applied science degrees make up seven of the top ten majors that receive the highest starting salary, according to the National Association of Colleges & Employers' (NACE) summer 2005 salary survey.

Chemical engineering was the highest paid major, with an average starting salary of $53,813, followed by computer engineering at $52,464 and electrical engineering at $51,888.

The rest of the list, in descending order, is aerospace engineering, systems engineering, computer science, mechanical engineering, industrial engineering, engineering technology and information sciences and systems.

And those salaries are going up too.

Offers for engineering technology graduates rose 4.2 percent over the same time last year. Aerospace engineers saw a 6.2 percent increase and industrial engineers saw their starting salary offers rise 7.7 percent.

Accounting majors, while not a field to see one of the highest starting offers, saw their starting salary bids jump 6.1 percent. Sales saw a 6.3 percent increase and those in the teaching field saw a 0.9 percent rise.

Nevertheless, it appears engineering majors and others among the top paid graduates will also make more over the course of their career.

The mean wage for engineering managers in 2004 was $102,600, according to the Department of Labor. Computer and information system managers made $98,260, sales managers made $95,000 and education administrators took home $75,640.

Looking ahead to 2006, one career center employee said job prospects look even better for next year's graduates.

"We're already starting to see more activity and I think it's a national trend, " said Sharon Masaniello, assistant director of New York University's Office of Career Services. "The economy is getting better, so it makes sense."

Masaniello said engineering, technology and financial services will continue to be hot fields, but also said they are seeing a pick up in the advertising profession and in companies hiring across departments, not just in the growth divisions.

Who's hiring?

NACE's summer survey also included a list of the top 10 professions for the class of 2004-2005 and the starting salaries:

1. Management Trainee (Entry-Level Mgmt.) -- $36,491

2. Sales -- $37,269

3. Consulting -- $48,098

4. Teaching -- $30,793

5. Accounting (Private) -- $43,003, Accounting (Public) -- $42,366

6. Financial/Treasury Analysis -- $44,501

7. Design/Construction Engineering -- $45,734

8. Software Design & Development -- $52,471

9. Project Engineering -- $47,827

10. Registered Nurse -- $41,156

About Fred: Fred Harteis is the president of The I Team Organization. Fred Harteis provides Team Business Series as a service to small business owners.

Fred Harteis Business News - Costly gas won't mean empty roads

Fred Harteis Editors Note: I found this article very interesting because everyday gas prices seem to be on the rise. It is interesting to see that people are still traveling during these expense times.

Drivers will still own the road this Labor Day, but the increase in car travel from a year ago is expected to be the smallest in about two years as gasoline prices hover near record highs, travel club AAA said Tuesday.

According to the group, 34.5 million people will travel 50 miles or more from home this holiday, up nearly 1 percent from the previous year. This is the smallest expected rise since Memorial Day 2003, when holiday travel began to rebound after the 9/11 attacks and the Iraq invasion, AAA said.

In 2004, Labor Day travel increased 2.4 percent over the previous year. In 2003, the rate of increase was 1.8 percent, the group said.

"Labor Day marks the end of an eventful and surprisingly strong summer travel season," said Robert L. Darbelnet, President and CEO of AAA. "We've seen record-high gas prices, an early start to hurricane season, terror attacks in London, and continued weakness by the dollar, but Americans have traveled nonetheless."

Of the total number of holiday travelers, 28.8 million, or 83 percent, will drive, AAA said. That is on par with the 28.7 million who drove a year ago.

The average price for a gallon of regular unleaded climbed to a new high at $2.614 Monday, according to AAA's daily fuel gauge report, extending more than a week of record-setting gains.

When inflation is taken into account, Monday's AAA record-high price is still below the all-time high set during the Iranian revolution in the early 1980s when gas prices were the equivalent of $3 a gallon.

But prices have jumped above $3 a gallon in some cities and towns, even though the national average price for a gallon of gasoline hovers near $2.60.

The price climb is having an effect, according to a survey conducted by the Polk Center for Automotive Studies, with nearly eight out of 10 people saying high prices are making them think about buying a hybrid vehicle.

More than half of the survey's respondents said high prices at the pump are forcing them to drive less.

"Travel will be up slightly this Labor Day, although the increase is smaller than what we've witnessed the last several holidays. Both record-high gas prices and the increasing number of school systems that start before Labor Day play a part in this lesser increase," Darbelnet said.

Analysts hope that the end of the summer driving season will provide some relief from high gasoline prices, but some believe that we'll see prices as high or higher next summer due to demand increases.

The price of a gallon of gas has jumped more than 20 cents during the past week, nearly the same gain made over the course of the three previous weeks. In the last year, the average price for a gallon of regular unleaded has gained about 73 cents, or almost 39 percent.

Hawaii currently has the highest average price for a gallon of regular unleaded at $2.824, while Utah has the lowest tab at $2.464 per gallon, according to AAA.

Source: cnn.com

About Fred: Fred Harteis leads Harteis International and The I Team Organization.

Fred Harteis Business Series - Jobs: Accountants are kings among grads

Fred Harteis Editors Note: This is a great article because it is good to know that there is still a demand for certain careers. Any student looking for a major and anyone looking for a career change could benefit from this article.

While it is not quite the days of the dot-com boom, when companies lured graduates with promises of six-figure salaries and ping-pong tables in the workplace, corporate recruiters are once again combing campuses for the best of the Class of 2005.

"People ask me all the time 'So you graduated, are you looking for a job?' And I'm like: 'I already have one,"' said Pauline Livaditis, a 22-year-old accounting graduate who was hired by Ernst & Young before she finished school in May.

"The friends I had classes with all have jobs -- they were recruited on campus," said Livaditis, who graduated with a combined Masters of Business Administration and accounting degree from St. John's University in New York.

Hot degrees in 2005 included business administration, management and electrical or mechanical engineering, according to a survey by the National Association of Colleges and Employers. But no degree is more in demand than accounting, where the starting salary averages $44,564.

"The market is very, very robust, and so we need many, many accountants," said Karen Glover, director of recruiting at Ernst & Young. "A great person will have many offers."

Demand for accountants and auditors soared after Congress passed the Sarbanes-Oxley reporting rules in 2002 in response to high-profile scandals that brought companies like Enron and WorldCom to their knees.

Glover said Ernst & Young is looking to hire 4,500 accounting graduates this year, up 30 percent from last year. To lure new hires, it has boosted benefits -- including a concierge service for employees too busy to run errands.

"(Graduates) are in a very competitive space right now where you have lots of opportunities and choices of where you go to start your career," Glover said.

More than one offer

The recruitment process begins early. Livaditis began a paid internship at Ernst & Young two years before graduation, and she is just one of at least 15 of her classmates snapped up by the accounting giant. She says different companies were on campus every week trying to lure new hires.

But it's not just accounting grads who are in demand.

A recent survey by Monster, the top job-search Web site, found 80 percent of companies with 5,000 employees or more planned to hire 2005 graduates and 90 percent with 10,000 employees or more saying they would do so.

Top entry-level jobs for America's estimated 1.2 million graduates this year included sales, administrative and support, customer service, and advertising and marketing, the survey showed.

"For graduates, this certainly means there are more opportunities to gain entry-level experience than we've seen in the past four years," said Steve Pogorzelski, Monster's North America president.

Official unemployment is also down. The jobless rate for 20- to 24-year-olds fell to 8.8 percent in May, the lowest level since July 2001, the Labor Department said on Friday. While that's well above the overall 5.1 percent jobless rate, it is a marked improvement from 9.7 percent a year ago and a whopping 10.4 percent in 2003 -- when getting a job after graduation was an uphill battle.

Source: cnn.com

About : Fred Harteis is president of I Team and Harteis International.

Harteis Business Insights: It’s Time Spring Training

by Fred Harteis

“Baseball professionals hone critical fundamental skills in Spring Training”. –Fred Harteis

Spring in the North is a time of year for a new fresh start for vegetation and tree growth, change is literally in the air. In the South – spring has an additional meaning – spring training especially baseball. This is a time of great vision and hopes of the World Series. Spring training in baseball is for the professionals who work diligently to hone their skills. They get in shape and focus on fundamentals to improve their play ability. The players have coaches for pitching, fielding, base running, ball handling and hitting with proper form.

Spring is a time of year we can learn from the example of the Baseball Professionals. We can assess our performance, seek counsel from our mentor and become better at our field, through practice, focus and mentoring. Teams that will win grow and work together for a common goal.

So you can develop a spring training program by Setting goals, develop a plan, ask your mentor for direction and correction. We can all improve at our game. Start afresh and your rewards will be limitless.

About columnist Fred Harteis

Information: Fred Harteis, owns Biznet Productions and Harteis International and serves on the Independent Business Owner Association International (IBOAI) board. A background in construction and agri-business laid Harteis’ business foundation. Under Fred’s leadership and vision, Harties businesses like Harteis Associates have grown exponentially.

© 2005 provided to Harteis blog by Esource News.

Biznet Productions - Small Business Technology Series – The Tax Man On the Internet

The forces of Internet taxation are beginning to muster themselves once again in the statehouses of America. Right now ground zero in the fight is in Madison, Wis.

That's where Gov. James Doyle, a Democrat, thinks he's solved his state's budgetary shortfall in part by levying a tax on the goods Wisconsin residents purchase over the Internet.

Under his proposal Wisconsin residents would be required to pay the state's 5% sales tax on anything they buy over the Internet, which would include books and CDs from Amazon.com or songs on Apples Computers i-Tunes Music Store. The estimated return to the state's coffers? A measly $3.2 million over two years.

That seems hardly worth the effort to add the extra cost that businesses will have to eat in order to come into compliance with the law. And if Doyle gets his way, other states may seek to follow his example and start a new offensive in their long fight over "tax equity" between Internet and brick-and-mortar businesses.

Technically speaking, when you buy something on the Internet, you owe the same amount of money in sales and use taxes to your state and local government as you would if you had bought them on Main Street. The complication and cost comes in keeping track of those taxes. States have no real means to do it, and so they leave it to the businesses, most of which ignore it if they can.

The federal government has so far prevented states and cities, Wisconsin being an exception from imposing new taxes on Internet sales. This prevented state and local authorities from collecting some $8 billion in taxes in 2003 and could prevent them from collecting $12 billion to $18 billion by 2008, according to economists at the University of Tennessee, who wrote an oft-cited study on the matter. That's the kind of money that gives tax collectors a funny twitch. But imagine the accounting nightmare; not to mention the cost of having to keep track of the tax rates of some of some 7,500 tax-collecting jurisdictions.

If Internet sales are ever going to amount for a bigger slice of the economy, irritating tax schemes, no matter how "streamlined" aren't going to help.

Source: www.forbes.com

About : Fred Harteis provides Biznet Productions Today as a service to small business owners. Fred Harteis is president of Biznet Productions and Harteis International

© 2005 All rights reserved. Biznet Productions blog permission of Esource News

Thoughts from Successful Business Owners

Polly Harteis Reviews, Quixtar’s Artistry Skin Refinishing Lotion

Editors Note: This article is regarding Artistry’s Skin Refinishing Lotion, I liked this article because it provides great detail about the Skin Refinishing Lotion. This sounds like a great product that I definitely want to try. I think any women will be interested in this article because we all want fabulous skin.

One of my favorite Artistry Products is the Skin Refinishing Lotion. And here are the reasons why. - Polly Harteis

"It’s like velvet on your skin, only better! Skin Refinishing Lotion encourages your skin to naturally reveal softer, smoother skin with oats, not acid. This daily exfoliator uses a unique combination of sugar derivatives and algae in addition to oat proteins, scientifically proven for their smoothing benefits. In just 12 weeks, skin texture can show a 52% improvement, the appearance of fine lines can be reduced by 48%, and skin can look and feel firmer by 41%. Safe for sensitive skin." When I promote this product, which is very easy to do, I like to review the list of questions, provided by Quixtar, which will answer any questions a client could come up with!

Quixtar Ibo Q: Why does my skin feel so smooth after using Skin Refinishing Lotion?
Harteis A: This product is specially formulated to instantly provide softer- and smoother-feeling skin. It does this by using state-of-the art gel-to-powder technology that leaves skin feeling and looking smoother instantly.

Quixtar IBO Q: Will Skin Refinishing Lotion help to minimize the appearance of fine lines?
Harteis A: Yes. As the skin ages, dead skin does not "shed" as quickly and fine lines appear more pronounced on the skin's surface. With continued use of Skin Refinishing Lotion your skin will increase its natural turnover and fine lines will become less visible. In fact, within just 12 weeks of use, fine lines will appear less visible an average of 48%.

Ibo Q: Will Skin Refinishing Lotion help to minimize the appearance of pore size?
Polly Harteis A: Yes. Pores will appear smaller with continued use of the product. In clinical testing, pores were shown to appear 32% smaller after just 12 weeks of use.

Q: Can Skin Refinishing Lotion be used with sensitive skin?
Harties A: Yes, it's clinically proven safe for use by people with sensitive skin.

Q: Should you use both Alpha Hydroxy Serum Plus and Skin Refinishing Lotion?
Polly A: No, we do not recommend using both AHS+ and Skin Refinishing Lotion. They provide similar effects through similar modes of action, and you will not see an increased benefit by using both products.

Q: What makes the oat extract (natural ingredients) work?
Harties A: The exact mechanism that allows the oat to work is not known. However, after numerous studies and clinical trials, ARTISTRY scientists have shown that oats are very effective at enhancing exfoliation. This discovery is very exciting and has lead to a pending patent.

Q: In what order do I use Skin Refinishing Lotion?
Polly Harteis A: Cleanse, Tone, Repair, Blemish Treatment (where needed), Vitamin C + Wild Yam Treatment (where needed), Replenishing Eye Creme, Skin Refinishing Lotion (or) Alpha Hydroxy Serum Plus, Bright Idea® Illuminating Essence, Moisturizer.

Q: Will the algae and sugars cause skin irritation?
Harteis : No. This product was tested on sensitive skin and was shown not to be irritating or cause allergic reactions.

Q: Why were algae, sugar, and oats chosen to add to this product? What exactly do they do?
Harteis: All three ingredients work synergistically to enhance exfoliation. The use of the oat extract as an exfoliant is patent-pending.

Q: How often do I use Skin Refinishing Lotion?
Harties: Skin Refinishing Lotion should be used twice daily, morning and night.

Q: Can this product be used around the eye area?
Polly : Yes. Skin Refinishing Lotion was clinically shown safe for use around the delicate eye area.

Q: Can this product be used on the neck, throat, and chest as well as the face?
Harteis: Yes. Skin Refinishing Lotion will be safe and effective when used on the neck, throat, and chest areas.

We hope this information helps in making your decision to use this fantastic product, state Polly and Jerry Harteis.

Polly Harteis and Jerry Harteis are Quixtar Ibos and members of IBOAI.

Jerry Harties is president of Harteis Associates.

© Provides to Harteis blog Courtesy of Biznet Productions.

BizNet Productions is Proud to handle the newest resolution to dry cracked hands in the winter season and throughout the year. Linda Harteis Raves, “It is the best I have seen!”

Quixtar Shares ARTISTRY’S Secret for Slowing the Hands of Time

Quixtar helps quench dry, thirsty hands with new Essential Hand Crème from Artistry cosmetics. This luxuriously rich hand moisturizer hydrates, smoothes, and softens for hands that look younger longer. Artistry Essential Hand Crème is available exclusively from Quixtar.com

ADA, Mich., Feb. 15, 2005 – Slowing the hands of time has never been easier. A woman’s hands are often the first place where telltale signs of aging begin to show. New Artistry® Essential Hand Crème with SPF 15 can reduce and prevent the signs of aging.

Artistry Essential Hand Crème from Quixtar.com makes hands feel softer and look younger, a welcome benefit all year round. The age-defying formula hydrates, smoothes, and softens to improve skin’s texture and reduce the appearance of fine lines. Artistry Essential Hand Crème also includes a brightening botanical complex that diminishes sunspots and helps prevent them from coming back. Artistry Essential Hand Crème even protects hands from future damage with a broad spectrum SPF 15 UVA/UVB and antioxidants to protect against free radicals, as many dermatologists recommend.

Simply massage Artistry Essential Hand Creme into hands and cuticles daily. Then, reapply after washing hands or before sun exposure to keep hands looking supple and smooth.

Artistry Essential Hand Crème ($27.25 for 2.65 oz.) and other great Artistry products are available in the United States and Canada through Independent Business Owners powered by Quixtar. For more information or to purchase products, visit www.Quixtar.com.

Related Links:

Quixtar www.quixtar.com

IBOAI www.iboai.com

Quixtar Artistry Skincare and Cosmetics www.quixtarartistry.com

BizNet Productions: Small Business Series

“Importance of Being Mentored “

Written by Fred Harteis – Biznet Productions President

All successful people I know have mentors. Some have one, some have several. At BizNet Productions we know the power of mentorship. We all have peopled who have shaped our lives. There are two ways to receive wisdom as Dr. Murdock says

1.) Mistakes

2.) Mentors.

Our belief at BizNet Productions is mentors are the difference between poverty and prosperity; decrease and increase; loss and gain; pain and pleasure; deterioration and restoration. Your mentor is your master key to succeed. We realize that your best friend is comfortable with your past your mentor is comfortable with your future. Your friend ignores your weakness your mentor removes your weakness your best friend is your cheerleader your mentor is your coach, your mentor must be more interested in your success than your affection.

BizNet Productions Mentor Qualities Check List:

1.) Proven track record of performance

2.) Person of great vision

3.) A mentor is positive problem solver

4.) A mentor must collaborate

5.) A mentor must create an environment where the protégé learns to think creatively to overcome obstacles and grow.

6.) Honor, Character, and integrity are absolutely essential

7.) Your mentor must understand your field

8.) Your mentor must listen carefully to you and your needs

9.) Always leaves you encouraged and with assignments

10.) Adds value and stretches you

Columnist: Fred Harteis is president of Biznet Productions and Harteis International

Keywords: Biznet Productions, Fred Harteis, Small Business Today News

Amway/Quixtar IBO Dexter Yager on Making Good Business Decisions

“Reading and learning from people who have a track record of success is a wise plan of action.” Dexter Yager

These are four things that I learned from reading and listening.

Wherever you see a successful business, someone once made a courageous decision. --Peter F. Drucker

If you do a lot of things to build business, you'll build business. They don't have to be done perfectly to work, although the better you do them, the better they'll work. But the main point is that you have to do them -- a lot.
--Joe Girard

Whenever an individual or a business decides that success has been attained, progress stops.
--Thomas J. Watson Jr

All winning teams are goal-oriented. Teams like these win consistently because everyone connected with them concentrates on specific objectives. They go about their business with blinders on; nothing will distract them from achieving their aims.
--Lou Holtz, former Notre Dame football coach

Dexter Yager is a member of IBOAI and leads Internet Services.

Ron Puryear WWDB Leadership, Learning, Action

Ron Puryear, WWDB: “I believe in being a life-long student. These three quick quotes address three important leadership principles: Leadership, Action, and Learning. I like to use them when working when coaching business leaders.

Leadership can be thought of as a capacity to define oneself to others in a way that clarifies and expands a vision of the future. - Edwin H. Friedman:

In times of change, learners inherit the Earth, while the learned find themselves beautifully equipped to deal with a world that no longer exists. - Eric Hoffer:

If your actions inspire others to dream more, learn more, do more and become more, you are a leader. - John Quincy Adams

Ron Puryear leads WWDB and is a member of IBOAI.

Billy Florence, Fred Harteis, Greg Duncan: IBOAI

IBOAI, official trade association, lead by 2005 board president, Billy Florence, with past president Fred Harteis , vice president Greg Duncan, treasurer Don Wilson serves and protects the business interests of Quixtar powered IBO’s (Quixtar IBOs) throughout North America.

Fred Harteis owns Biznet Productions and Harteis International.

Billy Florence leads the Team DCI TEAM and owns Equad News www.e-quadnews.com. Greg Duncan leads WWDB World Wide Dream Builders.

BizNet Productions: Small Business Series

“Developing Repeat Customers for Small Business “

Written by Fred Harteis – BizNet Productions President

At BizNet Productions we are very proud to serve. We have customers that we have had for 30 plus years. We believe it is essential to build relationships with our customers, and focus on their best interest. If people realize you have their needs at heart and have a passion to help them you are on the right track. Service with a smile and a heart go a long way in creating repeat business. Loyal customers will provide most of your revenue. Twenty percent of your customers will represent 80 percent of your sales each year.

Biznet Small Business Customer Loyalty Tips

1. Open dialogue with customers helps you help them. Your ears are the way to their heart.

2. Develop a dedication to new and innovative ideas to fill the customer needs today and tomorrow.

3. Create and add value. Value cannot be understated, people must understand you do provide great value for them or you must create value.

4. Never do we allow an excuse to replace dedicated service or quality.

Early in our business development we knew at BizNet Productions that fast service would be essential.

5. Be responsive. If the customer orders today, it will be shipped today or next day with out delay. That is the service that is expected, never let the customer down.

BizNet Productions philosophy is we get to where we want to go by helping the customers get to where what they want – first. We suggest you do the same.

Columnist: Fred Harteis is president of Biznet Productions and Harteis International

Keywords: Biznet Productions, Fred Harteis, Small Business Today News

Harteis/Florence Independent Business Owner Assoc. Intl (IBOAI)

IBOAI, official trade association, lead by 2004 board president, Fred Harteis and vice president Billy Florence, serves and protects the business interests of

Quixtar powered IBO’s throughout North America.

Fred Harteis owns Biznet Productions and Harteis International.

Bill Florence leads the Team DCI TEAM and owns Equad News www.e-quadnews.com

QUIXTAR CONSUMER NEWS: Jody Victor/Greg Duncan/Ron Puryear
XS SPORTS DRINK CLEARLY SUGAR-FREE ORANGE IBO INFO

Victor, Duncan and Puryear Comments:

When you push your body to perform your body pushes back. You lose fluids, energy and electrolytes. Quixtar XS Power Nutrition Sports Drinks are scientifically formulated to help rehydrate your body before, during and after exercise.
Jody Victor: “With no sugars, carbs, calories, artificial dyes, or preservatives, the newest XS Sports Drink is infused with a scientifically formulated blend of electrolytes, sodium, and potassium to help replace energy and fluids that are lost during prolonged physical activity due to increased perspiration rates. The sports, spa and wellness industry. Jody Victor is president of MarkerMan Productions and JEV.

Greg Duncan: “The amount of sugar and calories in other sports drinks seemed to be counterproductive to the goals of aerobic exercise,” says, Greg Duncan of WWDB, world wide group. Quixtar IBO’s the exclusive marketer of XS products.” Quixtar Diamond, Greg Duncan is team leader of WWDB – World Wide Group.
Ron Puryear: Quixtar Review: “Quixtar XS Energy Drinks Quixtar XS provide you with a low-carb, sugar-free blast of energy. This makes the Quixtar XS Energy Drinks a perfect addition to the Atkins Diet, the South Beach Diet, The Zone Diet, or other low-carb eating plans.
The drinks contain B vitamins to deliver a rocket-powered lift any time of day. Plus, it contains no sugar, no carbohydrates, and each flavor contains as few as 8 calories, explains Puryear. Ron Puryear is a Quixtar Diamond Distributor and leader of WWDB – world wide group.
Choose from a variety of flavor packed Quixtar XS Energy Drinks, including Cherry Blast, Citrus Blast, Cranberry-Grape, Electric Lemon Blast, Tea-Berry Blast, Tropical Blast and Caffeine Free Tropical Blast. Make Quixtar XS Energy Drinks your choice for a mental and physical energy boost without empty calories and sugars. For more information visit http://www.quixtar.com

Amway/Quixtar Bonus Statement: Quixtar and Amway Inc.:
Since its launch in 1999, Quixtar IBO’s have generated more than $4.2 billion in sales for Quixtar plus nearly $320 million for Partner Stores, earning in excess of $1.37 billion in bonuses and other incentives.

Amway/Quixtar currently supports independent businesses in the U.S., Canada, Puerto Rico, and various trust territories and independent island nations. Quixtar Canada is located in London, Ontario.

Addition information visit http://www.Quixtar.com

Posted by harteis at 2:50 PM EST | link to this post

QUIXTAR CONSUMER UPDATE: Billy Florence/Fred Harteis/Orrin Woodward
INTRODUCING XS SPORTS DRINK CLEARLY SUGAR-FREE ORANGE

Billy Florence : “We’re delighted to announce the addition of a new item in our sports nutrition line. It’s Quixtar XS sports drink. This newest XS Sports Drink contains the sweet and tangy flavor of orange without any of the sugar used to power most other sports drinks, says Billy Florence. This newest addition to our line of high quality private label is available exclusively from Independent Business Owners (IBOs) powered by Quixtar. Billy Florence is vice president of IBOAI, leads Team DCI and owns E-quad News (http://www.e-quadnews.com)

Fred Harteis : “When exercising, participating in athletic events, or other strenuous activities, fluids are important for peak performance. When fluids aren’t replaced, physical performance levels can significantly decrease. Replacing electrolytes allows the body to absorb fluids faster and retain them longer. Quixtar XS energy drinks are a part of my gym routine and life-style,” concludes, Harteis. Fred Harteis is president of Harteis International and president of IBOAI, the independent trade association representing Independt Business Owners affiliated with Quixtar.

Orrin Woodward: “ XS Clearly Sugar Free Orange is one of the first sugar-free isotonic sports drinks available in the United States XS Sports Drink in Clearly Sugar Free Orange also contains the exclusive NUTRILITE® B-Lenium Blend: a formulation of B vitamins for energy, selenium to protect against free radicals, and NUTRILITE Acerola Concentrate with phytonutrients,” explains Orrin Woodward. Orrin Woodward is CEO of TEAM.

Amway/Quixtar Bonus Statement: Quixtar and Amway Inc.:
Since its launch in 1999, Quixtar IBO’s have generated more than $4.2 billion in sales for Quixtar plus nearly $320 million for Partner Stores, earning in excess of $1.37 billion in bonuses and other incentives.

Amway/Quixtar currently supports independent businesses in the U.S., Canada, Puerto Rico, and various trust territories and independent island nations. Quixtar Canada is located in London, Ontario.

Addition information visit http://www.QuixtarFacts.com

Posted by harteis at 2:48 PM EST | link to this post

Orrin Woodward : Quixtar Trim Body Complete System
Orrin Woodward: The Trim Body System is a complete weight management system designed to support a commitment to a healthy lifestyle. Included in the Trim Body System Kit is:
• Quick Start Guide to the Protein Plus Diet, handy cards that provide recipes, meal plans, and fitness tips, and more.
• DVD set including “Managing Your Weight” with Dr. Duke Johnson, Medical Advisor, NHI; the ten minute a day “4-3-2-1 Body Training System” with Sean Foy, Health & Fitness Advisor, NHI; and “The Trim Body System” with Ted Walters, Associate Director, BLI.
• TRIM ADVANTAGE® Protein Bars and Sugar Free Drink Mix
• NUTRILITE® Protein Powder, TRIM ADVANTAGE shaker cup, and daily packets of NUTRILITE® supplements that support weight-loss efforts.

Orrin Woodward is Co-founder of TEAM

Ron Puryear – Quixtar System Includes Online Experience
Ron Puryear: Since weight loss and fitness goals can be hard to reach without support, Quixtar has developed the Trim Body System online experience to augment the Trim Body System Kit. The free, interactive Web experience is designed to motivate and encourage. Included on the site are daily motivational messages, recipes, and diet and exercise tips.
The Trim Body System also is featured in a new catalog issued by Quixtar called Inspiration, filled with products to inspire a healthier lifestyle. In addition to Quixtar exclusive branded products from Trim Advantage, Nutrilite, XS Power Nutrition and more, the 60-page catalog features leading women’s and men’s activewear and footwear brands such as adidas®, New Balance®, Asics®, Champion®, fitness equipment and gadgets, and much more. – Ron Puryear - wwdb – World Wide Group

Amway/Quixtar Bonus Statement: Quixtar and Amway Inc.:
Since its launch in 1999, Quixtar IBO’s have generated more than $4.2 billion in sales for Quixtar plus nearly $320 million for Partner Stores, earning in excess of $1.37 billion in bonuses and other incentives.

Amway/Quixtar currently supports independent businesses in the U.S., Canada, Puerto Rico, and various trust territories and independent island nations. Quixtar Canada is located in London, Ontario.

To learn more about the Trim Body System or any of the products in Quixtar’s new Inspiration weight management line, visit www.quixtar.com

Posted by harteis at 2:46 PM EST | link to this post

Harteis, Victor, and Florence of the IBOAI Announce the new Healthy Weight Loss System
Fred Harteis and Jody Victor along with Billy Florence Announce a Healthy Weight Loss System. Just in time for New Years Resolutions!

“When you’re ready to take control of your weight, this kit delivers,” said Fred Harteis, President of trade association (IBOAI) representing independent Quixtar powered business owners. We’re very excited about the potential for this system to energize those struggling to lose weight or maintain a healthy weight. We’re also excited about the potential for this system to energize business for the Independent Business Owners we support,” Harteis noted.
Fred Harteis is President of Harteis International and Biznet Productions
Jody Victor - Trim Body System – Focus on First Few Pounds
Quixtar, the leading online Health & Beauty retailer, has introduced the Trim Body System so Quixtar IBO’s can help consumers make healthy lifestyle choices and control their weight. A third of the U.S. population is now considered obese and is struggling to find the answers they need to first lose pounds and then manage a healthy weight. – Jody Victor
Jody Victor is president of MarkerMan Productions and JEV
Billy Florence – Quixtar System Partnership Better Life Institute
The Trim Body System, which launches www.Quixtar.com, was developed by The Better Life Institute (BLI) in partnership with the Nutrilite Health Institute (NHI). The system is supported by the research of respected nutritionists who recommend smaller meal portions, eating regularly to fuel metabolism, consuming less refined and processed foods and more high-quality proteins, fruits, vegetables, and “good” fats, and adhering to a schedule that includes regular exercise. – Billy Florence
Billy Florence is Vice President of IBOAI, owns E-quad News www.e-quadnews.com
and leads Team DCI

Amway/Quixtar Bonus Statement: Quixtar and Amway Inc.:
Since its launch in 1999, Quixtar IBO’s have generated more than $4.2 billion in sales for Quixtar plus nearly $320 million for Partner Stores, earning in excess of $1.37 billion in bonuses and other incentives.

Amway/Quixtar currently supports independent businesses in the U.S., Canada, Puerto Rico, and various trust territories and independent island nations. Quixtar Canada is located in London, Ontario.

To learn more about the Trim Body System or any of the products in Quixtar’s new Inspiration weight management line, visit www.quixtar.com

Fred Harteis on Books and Business Audios
by Fred Harteis

The Greatest Salesman In The World Author: Og Mandino

Best seller. Easy to read. Captures the imagination

From - This is the sequel to the Og Mandino inspirational motivational classic, Greatest Miracle In The World. Og Mandino is a master story teller. As you enjoy each page, you’ll find that the book has remarkably little to do with being a great salesman. The focus is personal development and growing in wisdom and becoming a better person. Each scroll contains a life lesson. The Greatest Miracle has a well earned reputation as business and motivational holiday classic. You’ll find yourself going back to it time and time again. I do.

FROM THE PUBLISHER
The Greatest Salesman in the World combines the power of storytelling and ancient parable in this classic guide to the true essence of salemanship. It is the two-thousand-year-old tale of Hafid, an impoverished camel boy who came into possession of ten ancient scrolls which contained the wisdom necessary to help him achieve all of his ambitions.

Harteis - Book Audio Tape
Rachel Astarte Piccione of Audio File says
The power of storytelling and ancient fables makes The Greatest Salesman in the World a classic for all intrigued by the world of business. It is the two-thousand-year-old tale of Hafid, an impoverished camel boy who achieves a life of material abundance with the aid of 10 mystical scrolls. Og Mandino’s performance is even more poignant after hearing his introduction, in which this mild-voiced, world-famous motivational expert tells the tale of his own accomplishments through hard work and perseverance, subtly paralleling his life with Hafid’s. Many books claim to teach the secrets of success. Both practically and metaphorically, The Greatest Salesman in the World achieves this goal. R.A.P. © AudioFile

HARTEIS Critics : Publisher’s Weekly Said…
This is a sequel to Mandino's 1967 bestselling parable about Hafid, a camel boy who happened upon a young couple and their shivering infant. Carrying a red cloak, which his master had instructed him to sell, Hafid generously wrapped it around the child, who was the infant Jesus…

As the new story opens, an older Hafid (who rose from camel boy to ``greatest salesman'' in the original) …Closing with ten ``Vows of Success,'' this is shaky theologically, but a predictable best seller. EC

Columnist: Fred Harteis is president of Harteis International and BizNet Productions.

© E-Quadnews. 2004 All rights reserved. Kamaron Institute www.kamaron.org

Jody Victor: Orrin Woodward: George Washington Leading Out Loud

Success of business or a country rises or falls on leadership and character. My friend Orrin Woodward, is a student of history as well as business. Lessons for today’s leaders can be found in books like Flexner’s “Washington, the Indispensable Man” and other history classics. – Jody Victor

Jody Victor : Orrin, who in history provides a role model for today’s leaders?

Orrin Woodward: George Washington for one.

Jody Victor: What message from Washington’s time still applies to us in 2004, Orrin?

Orrin Woodward: Many messages, Jody. Flexner’s book introduces us to a real Washington. Not a cartoon character. Washington is depicted as a man of strengths and weaknesses.

Jody Victor: Did any of his life accomplishments stand out to you?

Orrin Woodward: During the long frustrating campaigns of the revolutionary war, Washington did what perhaps no other man of his time could have done, and that was to hold together some semblance of an army in the field.

Jody Victor: Was he a self-promoting glory seeker like Napolean?

Orrin Woodward: No. One story that comes to mind was of Washington leading the army to victory, but then making the big step of turning the glory and power back to Congress by turning in his sword.

Jody Victor: How have you benefited by studying Washington?

Orrin Woodward: Day to day life lessons. Over time, Washington became aware that his behavior could impact future generations; he focused on building his own good character.

Jody Victor: What is one of Washington’s key character qualities?

Orrin Woodward: Persistence. He was willing to work and even suffer in the pursuit of a noble cause.

Jody Victor: Any final insight, Orrin?

Woodward: My friend Chris Brady said it best, “In our cynical age of anit-heroism, of worshipping the mediocre and edifying the profane, Washington's example stands as a lighthouse in a storm.

Orrin Woodward: President of Team of Destiny Inc. & and is co-founder of Team of Destiny

Jody Victor leads MarkerMan Productions and is past president of IBOAI, Independent Business Owners Association International and serves on the prestigious President’s Cabinet.

i Team

Fred Harteis Press Release