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Secret #1 Retailing is a exciting, liquid art form, not a cut & dried science!

However, there are 3 objectives that are cut in stone at all times!

Objective #1. Get the money!
Objective #2. Get the money!
Objective #3. Get the money!

Your mission is to separate your customers from their money – on the spot. That means at the first opportunity, not the second or third chance that might never come. How do we do this? What’s the secret?

Simple, make them an offer they can’t refuse!

Retailing is a lot like baseball. All the coach is concerned about is getting all his players to first base. (He doesn’t tell them to swing for the fences and try to hit a home run).

How does this translate to retailing? Go for the quick/easy sales, go for the volume, not the high prices. A common mistake for newcomers to the business is that they think they’re supposed to double or triple their cost on everything. If Sam Walton thought this way, people never would have heard of WalMart. Very few realize that if they pay $7, they’re better off selling it for $12 each or 2 for $20, capturing new customers & CASH.

Cash is king, and the retailer must convert to cash at every opportunity. Live each retailing day like it is your last! The benefits of cash flow are too numerous to mention here, but the consumer must see new merchandise everytime they come into the store. Forget about percentages, margins, and markup, and collect as many profit dollars as possible in one day – everyday!

Believe it or not, it’s even OK to sell below cost when necessary. Nobody can make a profit on every item, everyday – Sears can’t do it, Penny’s can’t do it, we can’t do it, and you can’t do it, but that’s OK – it’s the big picture that counts, get a growing customer base and make them offers they can’t refuse!

Always remember, CASH IS KING! Always, always, always get the cash — NOW!!!

Secret# 2 Look at your profit picture as a group of items coming from each supplier rather than individual items coming from that supplier.

In other words, focus on how much money you have already made on that order that came in, rather than focusing on the items that are left over and haven’t sold. Sell off those remaining items at any price because at this point they are 100% profit! So if 60% of the merchandise sold itself and paid for the whole order, sell the other 40% at any price necessary to get that remaining 100% profit money in your pocket as fast as possible.

Your bank account doesn’t care if the dollars in came from merchandise sold at a profit or at cost or at below cost. Again, all we care about is collecting as many dollars as possible each and every day.

It doesn’t make any difference if some items in a shipment don’t sell and we actually throw them away (donate to charity and take a tax write off), as long as, WE MADE OUR PROFIT ON THE STUFF THAT DID SELL!

P.S. – you might change your mind about which suppliers are really giving the best deals!

Secret #3 The Lease Trap

How do you spell “lease”?

I spell it “L-A-W-Y-E-R-S”!

Many entrepreneurs make a nice profit until they sign a lease and are then obligated by the terms of that lease. Paying rent is not recommended if your business can operate for free – out of your house, car, selling on the job, house parties, consignment, fundraisers, street fairs, etc.

If rent must be paid, a month to month agreement is recommended. If a lease must be signed, get a lawyer on your team first – tell your lawyer you want some kind of an “out” clause – before you sign!

Secret #4 Taking a booth at the local fund raiser (church, school, etc) usually pays off big time! Buyers love to support the event & go there to spend money. Booths are cheap? 10% of sales or very low rent, check ‘em out! When you’re there, make sure to network with other exhibitors and find out about other events, street fairs, etc.

Secret #5 “I just got ripped off”! How do you handle it?

Answer – Amortize it! Always look at the big picture.

Say you lost $300 today – well that doesn’t mean you’re going to loose $300 every day. Take that $300 loss and decide how many more years you’re going to be in business. Let’s say your answer is 10 more years – well that means you’re going to make $30 per year less for the next 10 years. The big picture says you loss $300 at the end of being in business 10 years later! Not bad at all now.

We already know ahead of time that we’re going to have good days and bad days, so when a bad day comes along, don’t let it ruin your whole day because we already knew that a bad day is going to come along now an then. Keep your personal emotions, especially fear, out of your business.

Always do the right thing in the next 5 minutes, have faith, truly believe everything’s going to be ok, and sleep good at night, or, if you can’t do that, consider getting out of the business.

Sometimes the most important aspects of a subject are not immediately obvious. Keep reading to get the complete picture.

Secret #6 – What’s the single biggest reason a business will fail?

Answer – Undercapitalization. In simple words – not enough money for the scale of operation. (The second reason for failure is not enough experience, but with “enough” money behind you, most people can learn to survive.)

How much money is enough? That depends on the expenses involved. It’s obvious that less money is needed for a flea market than for a retail store, but what’s not so obvious?

Let’s talk about a major ingredient – inventory. Does the appearance of your inventory make you look like an amateur or a pro? Customers don’t like to give their money to an operation that looks like it may not be there tomorrow, instead, they’re happy to give their money to a successful operation that will be around for many more years to come.

Translation – have the faith & the good sense to give yourself the best odds at winning, not the worst! Make a 110% commitment to yourself and absolutely jam pack your business with as much selection/inventory as you can possibly afford (even borrow) to maximize the odds of having the selection & professional appearance to make a sale!

Some people think they’re being smart with minimal inventory purchases/displays, I think they’re cutting their own throat! We see it all the time – minimal orders bring back minimal results! HOW COULD IT BE OTHERWISE? Put your money into inventory/bigger selection, where it can give you a return of 30% plus per week instead of letting it sit in the bank earning 2% per year!

Secret #7 – What about taking advantage of discounts, should they be taken or should I hold on to my money?

Discounts are a HUGE factor! Yes, positively, absolutely, of course, si, aqui, for sure, no doubt, always, always, always go for discounts, did I forget to say YES?

There are two ways to make money in retailing. One way is when you sell something. The other way is when you buy something. Buying enough to qualify for a discount is the same thing as putting that discount money in your pocket, and your pocket is where that money is supposed to be!!!

Only FEAR of not selling that product stops the retailer from buying larger quantities and coming from fear will not lead to making good business decisions. In reality, when the buying cost is lowered, the selling price is substantially lowered, driving sales up beyond the beginners expectations.

Put the right shoe on the right foot – focusing (without fear) on buying at the best price is more important than focusing on the selling price because the cost will determine the risk factor and the selling price possibilities.

Secret #8 – How do you figure out a “break even”?

Very few people in business know how to figure out what their break even point is, or what it will be when they open their business – a big, big mistake because the break even is the foundation that determines a risk and profit basis! Don’t try to build your business without understanding your foundation first.

Let’s start with a very simple break even proposition. Judy is considering selling earrings at the local swapmeet. Let’s say she buys earrings from her distributor at an average cost of $.30 cents each and she plans on selling them for $1, and her only fixed business expense is the rent of $28 per day.

How many earrings must Judy sell to break even? Well out of each dollar brought in, .30 cents is the cost of product/earrings and .70 cents is left over which is the gross profit, which is used to pay the rent – so how many units of .70 cents are needed to pay the rent? Simply divide the rent of $28 by .70 cents which equals 40 units. So 40 pair of earrings must be sold in 8 hours at only $1 each to pay the cost of the product and rent. 40 pair divided by 8 hours is only 5 pair or $5 per hour income. Judy is now relieved to know that she should have no trouble at all breaking even.

How much profit can Judy make for herself? Well Judy thinks that with the $1 selling price she might sell 50 pair of earrings per hour, that’s 400 pair per 8 hour day. We just learned that Judy’s break even is 40 pair of earrings, so that means that the other 360 pair (400 minus 40) is all profit after we subtract the cost of product. So subtracting the .30 cents cost, leaves .70 cents profit X 360 pair = $252 pure net profit in Judy’s pocket! Judy likes this information very much. She figures that even if her estimate is only 50% correct, she’ll still do nicely.

Well over the past several months Judy has done quite well at the swapmeet, she expanded her product line into all kinds of costume jewelry and accessories, and is now considering expansion by opening a retail store in the mall with 1 or 2 employees, open 7 days a week (she plans to keep her business going at the swapmeet). But Judy is a smart business person because she wants to know ahead of time what her break even will be? …She wants to know if she has a chance to make a lot of money? ….Or is the deck stacked against her and she’ll lose a lot of money?

How does Judy figure out a break even for a retail store with different kinds of expenses and cost variables?

Judy needs to arrive at a sales volume figure needed to pay all the bills, so first she carefully adds up ALL the fixed expenses. She did NOT include “one time” expenses required to get the store open as these will be amortized over a long period of time.

Judy multiplied all monthly expenses by 12 months/year, and added these to all weekly expenses which she had multiplied by 52 weeks/year. Suggestion – add: the LEAST amount one must get out of the business for oneself; add $100 per week for misc; add 15% to payroll; add $100 per week for pilferage; etc.) Now she divided ALL the expenses by 52 weeks, and divided again by the number of days of operation. This is the DAILY fixed cost of operation. Let’s say this comes to $300 per day.

How much does Judy have to sell to break even? Well it’s not all profit is it. How much out each dollar is gross profit? If Judy pays $6.50 for an item and sells it for $9.99, her margin of profit is 35%. If 35% is her overall gross profit for all items sold, divide the daily fixed expenses by .35 to determine how much must be sold to “break even”. So, $300 divided by .35 = $857, or round off to the higher cost of $900 per day is the answer!

If the business is open 10 hours per day, divide $900 by 10 hours = $90 per hour break even. Does Judy think it can bring in $90 each hour on the average? If she thinks not, she shouldn’t open that business. If she thinks it’s no problem, let’s take a look at the potential of that business.

Based on traffic, product selection, pricing and other considerations, Judy “guestimates” it can bring in $200 an hour on average, so how much money can she make? Well we know that the first $90 sold per hour is needed to break even, so that means there is $110 brought in past the break even point at 35% profit – so $110 X .35 = $38.50 profit per hour X 10 hours per day = $385 per day profit for Judy before amortization of her one time store opening expenses and personal taxes.

Judy is feeling really good about the numbers. She now knows that if her “guesstimate” is off by as much as 50%, she’s still ok because she’s still breaking even, and as a bonus, she also knows that her margin of profit with costume jewelry purchased from her distribution contracts gives her a much, much wider profit margin than 35%!

Ronald Terre Brooks is a retired lawyer, qualified MCSE, programmer and internationally known entertainer. His learning Center website teaches Internet Marketing and WebMaster skills to “newbie” and Professionals alike. It is a membership site, but there is a free “Gold” membership category where basic skills can be obtained by anyone. To visit or join: http://www.Profits4u2.com. Forum Publishing welcomes Ronald’s tremendous insights as he shares them with our readers. Join us again regularly for the industry’s best information and wholesale merchandise sources.

Searching for cost-free authorities grants can appear like an overwhelming job. There are virtually three million results to sift by means of when looking for the phrase “free of charge authorities grants”. Even wanting at 1 percent of all all those free of charge federal government grants would be thirty thousand pages to examine through. Narrow down your options as far as you can. Use each and every qualification you can assume of. You will obtain that the number of pages will be considerably a lot easier to go as a result of the more particular you get. As soon as decided on a number of probable no cost federal government grants to apply for, apply for the all. This is like acquiring a few lottery tickets at a time. The more you play, the far better your odds of winning.

Each year the government offers out around $80 billion in free of charge authorities grant cash to folks, company and university students. This is income that is provided to assist people and organizations attain their goals by delivering a small economic assist. Irrespective if you will need money to spend off healthcare payments and credit score card debt, or you’re looking to start off a small business or purchase your very first household, there are grant systems that may well be in a position to offer the financing you require.

Although there are eligibility requirements, usually there is no credit check out, down payment or collateral involved when you apply for free of charge government cash. In many circumstances there is no income verification expected. As prolonged as your interests match the objectives of the grant program, you could be awarded the money grant you require.

What can make grants mainly common is that the funds that are provided to you never have to be compensated again. As long as you expend the revenue appropriately and do not violate the conditions of the grant, you will generally not have to repay the funds. How you are permitted to devote the cash, nevertheless, differs from grant plan to grant system. Ahead of you utilize, you’ll have an prospect to evaluate those terms and have a distinct strategy of what is viewed as acceptable expenditures.

One of the fastest and easiest strategies to find cost-free authorities grant money is to search an online grant database. These software programs compile the at the moment offered federal, state and regional grant packages, as properly as these supplied by non-public organizations. That way you can be positive to apply for money that are nevertheless offered and boost your likelihood of approval.

Retailers Forum Magazine’s goal is to inform, educate and provide resources for your small business. Every month we aspire to bring you the most new wholesale merchandise sources for your stores and business for resale.

According to the United States Department of Labor, approximately 10,507,000 Americans are self-employed, with about 1 million more reporting self-employment as a secondary source of income. With the current economic climate, self-employment has boomed, rising along with corporate down sizing and telecommuting capabilities. While many mortgage lenders are aware of the increase in self-employed loan candidates, they still consider them to be higher risk borrowers.

Some Things You Might Encounter As A Self-Employed Borrower:

* Higher Interest Rates

* Reduced Ability To Negotiate

* Higher Down Payment Requirement

* More Paperwork

As someone who is self-employed, mortgage lenders may see you as a less-attractive loan candidate. Expect to be quoted higher interest rates than what you might see on the company’s website or advertisement. Those rates are typically for people who are considered ideal borrowers due to verifiable incomes and excellent credit scores.

Lenders may also want to see a lower loan-to-value ratio, which will require a larger down payment. As for the extra paperwork, you won’t be able to provide your lender with W2s for the past couple years like traditionally-employed borrowers. Instead, you’ll need to provide things like tax returns from the previous year, a current business license, a letter from your accountant, and financial statements showing the income and value of your business.

If possible work with a mortgage consultant who has experience originating loans for self-employed home buyers. He or she will know the right questions to ask and documentation to ask for up front, avoiding frustrating and costly delays down the road.

Applying for a joint mortgage with a traditional W2 employee such as a spouse or significant other, is one way of improving your chances of getting a mortgage with a lower interest rate. It’s a good idea to do whatever you can to make yourself a more attractive loan applicant. Improving your credit score, offering a larger down payment and being willing to provide documentation can make you appear as less of a risk to mortgage lenders. It is important to understand that most lenders will want to see that you have at least a two year history of working as a self employed individual in your industry.

Forum Publishing understands the trials and tribulations of the small businessperson and strives every month to bring our readers the finest information to help their businesses and their lives along with wholesale merchandise suppliers for their stores.

Benefits of Employer’s Liability Insurance

In the event any employee suffers from any injury or dies at work, the employer’s liability insurance will pay the employee’s family. Having such a kind of insurance policy reduces the employer’s risk against huge claims from employees. Not having such a policy is detrimental to your business interests since accidents are quite frequent and despite all the precautions and safety measures, are unavoidable. In the UK, there are many businesses that are still not covered for under the Employer’s Liability Insurance. With raising awareness amongst workers world wide, this can prove very costly for such businesses.

Arranging for Employer’s Liability Insurance

Employer’s Liability insurance is normally arranged when applying for business insurance. Quite often, many business owners do not realize that business insurance incorporates different types of insurance that is relevant to the business. It may include: Employer’s Liability Insurance, General Liability Insurance, Building Insurance or Property Insurance and Motor Vehicle Insurance.

Cost of Insurance

The cost of any insurance is based on the claims experience of the country and also and the perceived risk. This is normally determined by the insurance companies themselves. In the United Kingdom, though the minimum insurance to be held is £ 5.0 million, it is quite common for companies to opt for £ 10 million. Within the same industry, the costs may vary between employees belonging to different categories. For instance, the cost of insurance for those working on scaffoldings and roof tops is higher when compared to painters or fitters. Similarly, the cost of insurance for those working inside an office is lower when compared to those who are working in the field.

Forum Publishing keeps our readers informed every month with interesting articles for their businesses as well as the country’s largest resources for wholesale merchandise.

To begin with, what would cause us to not want to be ourselves? For some of us, we may have been raised in environments where it was dangerous to be who we are. Even as adults we may be working in environments that demand that we be other than who we are in order to ensure job security. So we conclude, I have to be other than I am to get what I want i.e. love, safety, income etc.

We may have learned to believe ‘who I am is not good enough to be loved, guaranteed safety, approved of’. We may have been told ‘who you are is not worth treating well’. We may have learned ‘who you are is not good enough to meet my standards for ‘being good enough’. We may become convinced that we are less than we should be.

When we feel not good enough what happens to our lives? We end up putting things on hold until we feel we ‘deserve’ by becoming good enough. We spend so much time striving to feel that we’re good enough. Have I accomplished enough, am I good looking enough, is my car big/fast/exclusive enough, is my job title high enough, do I have enough awards to be good enough? Exhausting isn’t it?

Self worth and authenticity are intrinsically linked. The worth we have in our own eyes, a sense of worth not built on acquisition, job title, appearance, credentials – is the only worth, worth living out of. How many of us realize that we have an intrinsic worth greater than anything on the outside? If we go through life with a sense of being deficient then we are motivated to acquire value – the things that others value in the world then become our aim in life. I may not be good enough in and of myself but look what I’ve got, becomes our calling card.

Sooner or later, things fall apart, if we’re lucky. It can take many forms e.g we can lose everything we spent our whole lives accruing or we meet someone or a situation who places no value on our ‘social bling’. We run helter-skelter trying to get them to ‘see’ us as our bling or we go somewhere else. But there’s a crack in the tea cup. When it finally breaks open, our break down becomes our breakthrough.

We begin to look for another way. What we’ve been looking for is a way to feel good about who we are, under all circumstance. We don’t always realize it at first since there’s much howling in pain and hanging onto fast disappearing ‘bling’.

The breakthrough cracks us wide open and everything we’ve been taught is ‘wrong’ with us, all the things we’ve been taught make us ‘not good enough’ stare us in the face. Excruciating at first but if we stay, refuse to take flight, we can transform. Now begins the re-acquainting ourselves with the ‘real’ us, all of it.

There are many transformation technologies from journalizing, meditation, prayer, walking, body work, sound, vibrational healing. We tend to gravitate towards one that works for us. Soon the pain subsides, loses its edge. We don’t feel so raw. Our lives may be in shambles around us but we can stand to be alive and increasingly we can stand to be ourselves. We live in a time of infinite help with wonderful teachers who can assist us in moving out of our debris; emotional, psychological and spiritual.

Not being who we are, may be something we picked up at our beginning but was never a part of our being and we need not continue with it.

We love our readers who are real, hardworking businesspeople and appreciate them. Hopefully this wonderful article has given you some insight to helping you keep positive and focused. Join us again regularly here at the USA’s finest information website for wholesale merchandise, news and tips.

Working capital loans generally have maturities of five to seven years. Longer maturities are used to finance fixed assets, such as land and buildings. Lenders apply directly for SBA loans for their customers. Essentially, you are a customer of the bank, and the bank is a customer of the SBA. You will not deal directly with the SBA but will work through your lending officer.

If the bank feels that you are a creditworthy customer and is willing to apply for the SBA loan, which greatly minimizes its risk, it will prepare a loan package to submit to the SBA. This loan package will contain the bank’s credit analysis of your venture and the loan request.

The SBA will perform an independent review of the loan package. It will determine whether the business is eligible under its guidelines and whether the entrepreneur meets its credit requirements. The agency closely evaluates whether your sales and financial projections are realistic. In addition, it scrutinizes your repayment ability.

Many banks have signed participation agreements with the SBA. However, only 50% of these banks are active lenders and send in applications for SBA loans. Further, only about 25% of these lenders aggressively pursue SBA loans. Therefore, it is important to determine whether a potential lender regularly participates in the SBA loan programs.

The interest rate the bank charges you will vary. A bank can charge up to 2.25% above the New York prime rate for loans with maturity dates of less than seven years. On maturities over seven years, the bank may charge up to 2.75%. An interest rate can be fixed or variable, depending on your negotiation and relationship with the lender.

The SBA does offer a direct loan program, but currently the funds are available only to Vietnam era veterans and other disabled veterans who have a 30% or more compensable disability. To obtain additional information about the SBA business loan programs, call its business development division. You can also ask for the brochure of Business Loans from the SBA.

You could also contact a local small-business investment company or SBIC, a privately owned company, licensed by the SBA, to provide equity capital and long term loans to the entrepreneurs. Your local SBA office can provide you with a list of SBICs.

Smart Tips for Obtaining an SBA Backed loan

1 – Develop a business plan that contains proper financial projections, including cash flow, profit and loss statements, and balance sheets. Make your projections month by month for the first year of operation and then annually for the next three to four years.
2 – Prepare a current personal financial statement for any principals involved in the venture.
3 – List the collateral to be offered as security, including an estimate of the present market value of each item.
4 – State the amount of the loan request and the purpose for which the funds will be used.
5 – Establish a business relationship with a full service bank that participates in government lending programs.
6 – Make an appointment with your loan officer and ask him or her to finance your loan.
7 – If the loan is turned down, ask about the possibility of using the SBA Guaranty Loan Program.

If you follow these few tips for applying SBA loan, you should be able to successfully have the approval for the loan. You can also do the research on the web for more information about the loan application process.

The author is an expert in obtaining loans and invites you to visit http://www.fidetips.com. Forum Publishing Company is proud to present information and wholesale merchandise sources to our readers every month. Thanks for joining us!

1. Rule Target directly to the market and prospects want to work.

People are seeking solutions to real problems. If you provide this information, they see you as a trusted resource. Do not make the mistake of providing information that is too general or is not the target market you want to attract. There are hundreds of thousands of items available. Make sure your target specifically, and valuable to your audience.

2. Provide valuable information.

Do not worry too much about giving away “trade secrets”. Customers will still need your experience in person. If you are too secretive and protective, it is clear to readers that you are “slow.” What you end up with communication is that you can be generous attitudes. If you only give general information, there is no point in creating value for what they offer. Potential customers in search of more information about troubleshooting. There should be a resource for you.

3. Know and use the keywords.

Research using keywords. If your articles do not use relevant keywords in the title and the article itself, your item is not available. It is mostly a futile effort to publish it. You want to use keywords that your target audience uses to find solutions to their problems. You’re better off with certain keywords rather than general.

4. Know what your goal is in your article writing strategy.

Do you attract new customers? Is it to be known as an expert? Does this mean that the commitments? Want website visits and purchases? Be clear about your goal before you start writing articles. A vague or nonexistent wrote an article aims to waste their time and energy. Use your resource box to help support its mission.

5. Write articles that your target in advance.

Keep this in mind, everything you write and every article that you are doing. You may be tempted to get off track and lose sight of goal. Stay focused. Address of the desired target market the information they need to demonstrate your expertise. If you want to be known for what you do, write about all aspects of this specialty.

6. Consider making a series of short articles in order to offer them for publication in a newspaper read by your audience.

These readers are your target market, and seek the solutions they propose. By making a series, to increase their knowledge of your target market. In fact, you become the “resident expert.” You are a known and trusted. After they got used to his abilities, which are likely to seek more information from you and the committee considered.

7. Look for other ways to use your items strategically.

Would it be useful to present to your local newspaper or an organization run e-zine? How can you be proactive in getting your article published in your market will read what you wrote.

Do not write articles without writing an article strategy in mind. With intent, you will receive much better results from your efforts in writing. Know what you want to achieve, and write to achieve that goal. Article writing is a very effective marketing approach in writing – if you do it strategically.

Retailers Forum magazine brings its readers the best information to help them run their wholesale merchandise businesses every month. And, it’s always free to visit with us! The author of this article invites you to visit his website: http://www.hilaltechnology.com

1 ) Ecommerce Websites

2 ) Banner advertisement

3 ) Social networking sites

4 ) Blogging, etc

Be it a brick and mortar business, a consultant agency, a travel agency, an institute, a sports academy, etc. all have their Websites online.

What is an ecommerce website?

Any website that is meant for the purpose of business is an ecommerce website. It is mainly related to buying and selling of services and products through Internet. The website carries:

Business details- type, infrastructural details, etc.

Products images and their description

Contact information

Why an ecommerce website?

A Business cannot be successful unless it is promoted in a systematic manner. In the present scenario, Internet has emerged to be one of the strong and effective medium of endorsing a business. It has many benefits over other mediums like electronic and print.

Benefits of an ecommerce website: It helps a business earn a huge amount of sales revenue because of the following benefits:

Mass Reach :- Your online store is open 24×7. There are no time constraints, no holidays, etc. Visitors can purchase the required products or services at any hour of the day. This adds to the convenience of the buyers.

Also, as the products are properly categorized on the websites, it saves time of the customer.

Time and convenience :- Your online store is open 24×7. There are no time constraints, no holidays, etc. Visitors can purchase the required products or services at any hour of the day. This adds to the convenience of the buyers.

Also, as the products are properly categorized on the websites, it saves time of the customer.

Cost effective :- Maintenance of the online store is negligible; you just have to pay the web hosts some amount of money to upgrade and renew your site. The money spent on the staff and general maintenance of a store is saved.

As the time is charting forward, the scope and market of the ecommerce business will reach its apex. So, it is very important to advertize your website using various online marketing strategies in order to reap the benefits of the ecommerce business. Thus a well-designed and duly promoted ecommerce Website can be a key to a successful and prosperous business.

The writer is available at:  http://www.weblinkindia.net. This article is brought to you by Forum Publishing, the leader in wholesale merchandise sourcing. Visit our web stores at: www.Forum123.com and www.BizBooks.org.