4 Major Challenges Of Running Microfinance Banks

Speaking of the Nigerian business environment, running a Microfinance business can be a highly profitable and importantly can also be a huge challenge. 

There are many obstacles, problems and threats which could both slow down or even stifle your success in the business. 

For instance;

1. Internal Bank Fraud
 
While the CBN, EFCC, NDIC, NDLEA and the police have played crucial roles in limiting internal fraud in many Microfinance bodies, there are still instances of where bank staff make away with depositors funds. 

  Some Microfinance banks have even folded up because a director made away with huge sums of money under various pretext. 

This is a reality which still happens till date.

2. Loan Defaults from some Customers
 
In comparison to commercial banks MFBs tend to record less loan defaults. 

Sometimes Farmers, petty traders and artisans who are less educated seem more likely to repay a loan than a formal business run by educated people, depending on determining factors. 

But there are indications that loan defaults among Nigerian microfinance have been on the increase year on year by very small margins.   

Loan defaulting has a way of frustrating revolving loan schemes which in turn can discourage further savings.

3. Misapplication of Loans
 
Some people will approach a bank to raise a loan for their business but divert it to pay house rent, splash on wedding or cater to another non-business need which could lead to them either not repaying the loan or taking longer than they should.

4. Mini Commercial Bank Syndrome

A newspaper report quoting the CEO of an Microfinance noted how many MFBs in Nigeria are struggling to stay afloat. 

In fact most of them are close to closing down as over 40% of the entire market is captured by just 10 out of 991 existing MFBs. 

This was attributed to ‘mini commercial bank syndrome’ where the MFBs function like commercial banks and target more of middle level customers than low income earners and micro businesses. 

According to the CEO when you neglect the core microfinance practice you are heading for insolvency which most Micro Finance Banks in Nigeria are currently doing.

Setting up a Microfinance Bank offers great Returns

You can actually start a microfinance bank in Nigeria with about N10 million operating from just one unit location within a state. 

Alternatively, you can startup as a state Micro Finance with  about N50 to N100 million startup capital or N1 billion for national Microfinance bank. 

The return on investment (if you manage the business well) can be as high as 30% and this can be realized by your 3^{rd t 4th} year. 

Your first year is capable of generating over 20% ROI.

Setting up a Microfinance in Nigeria has stringent requirements but they are not too difficult for serious minded individuals who want to invest in it. 

Secondly while the market is growing, there are challenges to deal with and but sound management practices can handle most of them. 

Have a good time.

3 Reasons To Setup A Microfinance Bank In Nigeria

Microfinance banks as we have them today evolved from pre-2000 community banks and cooperative societies which carried out informal financial services to the benefit of low income, rural dwellers who were too far from accessing retail banking services from commercial banks or earned too little to even be worth saving or approaching them for loans.

The Central Bank of Nigeria saw this situation and noticed that despite the huge acceptance of the Esusu System (local/informal revolving, interest free loan scheme) was very well received in Nigeria only a few corporate organization were tapping into this.
Nigeria’s rural poor cumulatively could generate over N280 billion in savings annually (as at  around 2005) and cheap access to loans and other business funding meant a lot of people could move out of poverty as they fund their micro businesses – especially rural subsistence farmer, petty traders, artisans, low income salary earners and other unskilled labour.
1. Huge demand for affordable Loans to Micro, Small and Medium sized Businesses
The number of small and medium sized businesses in the economy that need finance to fund their operations but are unable to do so is really huge.
Less than 54% of Nigerians have bank accounts and interestingly many of these people not captured own farms, run small sized commercial ventures and have their eyes set on doing bigger business which without additional funding they will be unable to do.
At least over N500 billion is requested for by SMEs annually but less than N300 billion is granted.

2. Increase in Population of SME Businesses Captured in the Formal Sector
More hitherto informal businesses are migrating into the formal sector.
For instance, small food retailers like 5 years ago would have grown into medium sized businesses employing from a few to dozens of employees.
These employees would somehow need to be captured in a payroll system which would require documentation.
The business would need to start paying taxes, pensions etc.
But this same business may be better served by a microfinance bank which is closer and more compatible than a commercial bank.

3. Microfinance Banks are strong drivers of savings among low income earners
Many low income earners may be know the benefits of savings but microfinance banks offer greater services in mobilizing them to save than commercial banks.
 Low income earners who prefer Esusu scheme for target savings are more likely to patronize an MFB than a commercial bank to open and operate a savings account - the reason being that savings can be a major source of credit and financing to them, which commercial banks are less likely to deliver on.
The future of Microfinance in Nigeria will likely improve as more people in the informal sector have increased access to financial services.

The Business Of Selling Knowledge Via Paid E-Classes And Teleseminars

If you have some special skill or knowledge to share with others, then teaching people via E- Classes or Teleseminars could be a great business for you.

You might wonder: “Why should I sell my knowledge in one those formats instead of, say, writing it all down into an ebook?”

- There are several reasons.

First, these alternative formats allow for much greater speed in terms of how long it takes to get your product to the market.

This is especially true with teleseminars.




For example, let's say you have a real talent for speaking 'off the cuff'.

You could sit down for just an hour two to create basic teleseminar outline, then improvise off of that.

Your product creates itself the moment you begin the call.

You can even sell an audio recording or transcript of the call after the fact for extra profit.

Also, teleseminars are easy to set up.

There are many services which will host your teleseminar for free (see resources below).

All you have to do is market the call effectively so you can get an audience to sign up for it.

E-Classes are also quite simple to set up. You can create your content in advance, or just create on course module at a time as you go along through the course schedule.

The E-Class information can be delivered via autoresponder, or even on your website.

Now, here's the other thing about these two methods.

“You can charge much more for the information than you’d for an ebook”

E-courses and teleseminars have a higher perceived value in the minds of most people.

Where you might get away charging $97 for an e-book, you could charge $197 or more for an
e-class.

And that's not all...you can also set things up so that you get paid a huge, lump sum before your class is even created.

Let's say you have a sizable opt-in list. You mail the list to let them know about your e-class or teleseminar, and you request payment and registration in advance.

Maybe you get 10 people to register and pay you $197 for an e-class that begins 2 weeks away.

You've just made $1970 at one whack, and you haven't even sat down to create the course content yet.

This many times works like gangbusters.

- Sounds Good, But How Do I Get Started?

First step:

Determine what you have to offer, and what niche your knowledge fits into.

Give yourself the benefit of the doubt, and don't feel like you have to have specialized, 'professional' knowledge.

You probably have a lot to offer just based on your life experience.

Maybe you are an expert at:

• Getting out of debt quickly?
• Living on a budget, and finding bargains?
• Losing weight?
• Cooking healthy Italian meals?
• Flipping real estate?
• Dealing with a chronic health condition?
• Surviving graduate school?
• Healing relationships?
• Feng Shui?
• Auto repair?
• Traveling Europe for free?
• Restoring old furniture?

You get the idea. Anything you know how to do that others would find useful is fair game.

If you’re not an expert at anything (which is highly unlikely), then you can make it even easier by interviewing industry experts within your niche.

Everyone loves to be interviewed and if your sales pitch is good enough, your potential joint venture partner will bite.

The best part about interviews is often, you don’t even need to create the content as it will be provided by the interviewee.

You just need to provide an outline and facilitate the teleseminar.

Second step:

Decide which format works best for the information.

If you've got a lot of ground to cover, and you need to make use of visual aids, you're probably better of doing an E-Class.

You can split things up into as many weeks or months as needed.

You can also split information across multiple teleseminars, but most of the time I think you'll find just one or two calls will be enough for most subjects.

It really depends on how much detail you plain on going into, whether you want to hold question and answer sessions with your audience, etc.

Third step:
Create a basic template for presentation.

Create at least the first one to two modules of your e-class, if that's the route your taking – that way, you can get started on marketing asap instead of waiting until you have everything written.

If you're holding a teleseminar, create an outline of the topics to be covered.

Also, you need to determine whether you'll need a co-host to help stimulate the discussion.

Your co-host will, in essence, be interviewing you and helping you stay on topic.

Otherwise, if you go it alone, you might feel like your just giving a speech via telephone.

Fourth Step:
Determine your marketing strategy.

How will you get people to register for your e-class or signup for your teleseminar?

There are two quick ways to do this. The fastest way is to seek out joint venture partners to
help promote you.

And if you’re interviewing someone as described in step two, you could get this same person to promote for you.

In other words, you want to find some fellow business people in your niche, and see if they're willing to promote your course or call to their opt-in lists.

You'll need to work out some benefits for them.

For example, if you set up an affiliate program, you can offer them a high commission on course or teleconference referrals.

If they have a complementary product, you could offer to put in a plug for that product in your course or during the call.

A second method, somewhat slower, is to set up your website and opt-in list, and start collecting subscribers.

You'd want to set up a landing page that encourages people to sign up to find out about the course or teleconference.

Here's some sample copy for that, just to clarify how this would work:

Is That Ragged, Old Sofa Blocking the Flow of Wealth Into Your Life? (headline)

It could be. At least, according to the ancient Chinese wisdom of Feng Shui.

Feng what?? 

Feng Shui. If you haven't heard of it before, feng shui is the art of positioning objects like furniture and decorations in your home, as well as positioning certain “power colors” in key places.

The heart of the process comes down to balancing “Yin” energy and “Yang” energy.

There are all sorts of crazy things you wouldn't expect could have an impact on the flow of energy in your life.

For example:

- Having insomnia? Make sure you don't have an abundance of red in your bedroom!

- Money problems? Make sure you always keep the lid to the toilet closed!

- Experiencing conflict? You might have too many sharp edges or objects in your environment.

Balancing the energies in your home can have an enormous impact on your quality of life.

I can help you learn to do just that.

As a feng shui practitioner with over 5 years experience, I've created energy miracles for hundreds of people just like you!

And for a limited time only, I'm bringing my expertise straight to your phone via an exclusive, live, 2 hour teleseminar.

Find out how you can be on the call by signing up below...etc, etc.

It’s as easy as that. You lay out some traditional content bait to get people interested in product, and then get them onto your list, where you can plug the details of the teleseminar or ecourse.

You'll have a ready made audience on your list.

Final Step:
Once you've got your content and promotion strategy lay out, all you need to do is get the technical resources in place.

For E-Classes, you'll want to grab a good autoresponder service like Getresponse, mailchimp, Aweber or a combined autoresponder and hosting service.

Have a Wonderful day.

What is the Fintech Challenge?

What is the Fintech Challenge?

Group Banque Centrale Populaire is launching the first edition of its Fintech Challenge!
We look forward to collaborate with the most promising startups, in Africa and elsewhere, to co-build and implement innovative solutions to our key business challenges, in Morocco or in our sub-Saharan subsidiaries.
The Fintech Challenge offers to the selected startups the opportunity to boost their growth in the region, by working alongside one of the biggest financial groups in Africa.

 CLICK HERE TO PATICIPATE 

The fintech challenge fund is open to early stage companies active in Fintech as well as startups providing technology driven solutions within the Financial Services sector. 

The Application deadline has been extended to SUNDAY, December 23, 2018. #fintech #startups

EFInA REQUEST FOR PROPOSALS ROUND 9

EFInA Fintech Challenge Grant Request for Proposals: Supporting new concepts to enhance the uptake and usage of financial services by the low-income population in Nigeria through leveraging on financial technology delivery channels provided by the FinTechs.

EFInA is pleased to announce its ninth request for proposals (RFP 9) for the Fintech Challenge Grant which focuses on supporting new concepts to enhance the uptake and usage of financial services by the low-income population in Nigeria through leveraging on financial technology delivery channels provided by the FinTechs.

Apply here: http://www.bcpfintech.com/en/#apropos

EFInA recently launched a new Challenge Fund that will be used to pilot and support the development of innovative financial products & services through the use of digital technology. 

In addition, this Challenge Fund which comprises of the Fintech Challenge Grant will fund projects that help strengthen financial resilience in Nigeria by aligning innovation and modern technology with the needs of the target audience. 

 

The objectives of the EFInA Fintech Challenge Fund are to provide financial services that are accessible to everyone especially the low-income segment, improve customer experience, enhance the transparency of financial services and increase the adoption of financial services with reliable and affordable products. 

In addition, the major purpose of this fund is to target FinTechs with innovative and cost-effective solutions to overcome the challenges or obstacles hampering financial inclusion in Nigeria.

The funding information for the Fintech Challenge Grant are as follows:

$50,000 – $200,000
for Start-up FinTechs – Fintech Challenge 1 Grant

$200,000 – $500,000
for Growth stage FinTechs – Fintech Challenge 2 Grant

The impact of the financial technology wave is becoming broader with emerging innovations. FinTechs would, therefore, need to leverage on the opportunities in the Digital Financial Services space. Digital Financial Services can be accessed via innovative technologies like mobile-phone enabled solutions, electronic channels and digital payment platforms.

Who can apply?

Eligible organisations are start-up and growth stage Fintech Companies in Nigeria offering innovative financial services solutions that promote financial inclusion
Applicant should be legally incorporated within Nigeria

Have the capacity to implement the proposed project for the applied funding and evidence that the business is viable

Applicant should have 2 Guarantors to provide a formal assurance, especially that all project conditions agreed by EFInA and Applicant will be fulfilled

The EFInA Fintech Challenge Fund is open to proposals around two thematic challenges and a special focus area. Individual projects may focus on one or multiple thematic areas. A clearly identified need or problem and a practical application of the proposed innovation will be important for a successful proposal

All proposals need to demonstrate a new or different approach which requires funding from the challenge fund to get off the ground, and the proposal should demonstrate why this could not be supported from the Applicant?s funding sources. Ensure that all approaches are scalable

All products and outputs should show a clear path to ultimately be operationalized on-the-ground.

Apply here: http://www.bcpfintech.com/en/#apropos

 

 Source: http://www.bcpfintech.com/en/#apropos

The Pay-Per-Lead Affiliate Marketing Model For Profit

Under this model, you generate commissions by generating leads (also called Cost Per Action – CPA  for those using these services). Rather than referring people directly to a product, you refer them to product information.

Let me give you some examples to clarify this...
Common Types of Pay-Per-Lead Offers:
• Refer prospect to a mortgage refinance company, where he fills out a form to get pre-qualifying information about potential loans.
• Refer prospect to a health company offering free vitamin samples in exchange for filling out a contact form.
• Refer prospect to a trial version of a product or service
You see, the prospect is not making a purchase in any of these cases. Instead, he's getting free stuff. The freebie might be a sample of a product, a trial or just an information request. In any case, you get paid for generating that lead. Now, you must be careful in the types of pay-per-lead program you promote. Always make sure that your merchant collects lead information ethically and unobtrusively. This means that your prospect shouldn't have to take too many steps in order to get what he wants. Filling out a simple form or two is the most it should take. The better the offers and the easier they are to complete, the more you'll build a reputation for quality, and for protecting your prospects' privacy.  You have some leeway when it comes to promoting pay-per-lead programs because the imperative towards pre-selling is not as strong (we'll talk more about why in a moment). This means you can promote your programs through 'simple' methods, like: 

• Direct links to the merchant via Adwords, Blogs, Classifieds

As well as use the more involved method of collecting leads and publishing a newsletter.
Also, in most cases, a lot of your work will be focused on driving as much traffic as possible through your links for as long the merchant is running the pay-per-lead program. Some merchants run them all the time, while others set them up only for limited-time special offers. The real key here is to know how to best position the offer. Pay-per-lead is trickier because, often, there's only so much you can say.
Whereas as a traditional product would offer you ample opportunity to generate follow up content like special reports, e-courses and the like, a pay-per-lead offer just isn't suited to that level of detail.
At the heart of the matter is that the pre-selling tactics you'll need to use will be opportunity- focused, rather than benefits-focused. Ok, So What Do I Do…? 
“One of the most common approaches to pay-per-lead marketing is the freebies website or freebies newsletter”
This is a scatter-shot approach which allows you to promote a variety of unrelated programs under the guise of being a sort of freebies clearing house.
In order to narrow things down to a manageable level, you'd want to create your site or newsletter around some sort of theme, like ‘Top 10 Freebies Per Month’, or ‘Best Internet Free Trials’.
You'd then choose a couple of categories to focus on something like health, computers and finance - and build your website/newsletter around those.
In this sense, you're providing a service as a publisher of hard to find information. Now, if you really want to limit things down to one niche, you'll need to choose high-paying pay-per-lead programs. This means looking into the professional services like financing, debt reduction, attorney referrals, insurance and the like.

 >> Commission Junction ( http://www.cj.com ) has many of those. 
Those niches will allow you room to publish more content.
What you'd do is set up a content-focused website or newsletter, and concentrate your efforts on publishing educational articles. For example, let's say that you're promoting a life insurance pay-per-lead program. What types of content would you use?
• Articles about choosing a life insurance policy, estate planning, reviews of different
insurance providers.
• Interviews with experts in the field
• Quizzes that help people determine their overall health and life expectancy
• Useful tools – maybe a life insurance calculator that helps people compare plans side-by-side to see how much they'll spend for a $1 million policy over X numbers of years with Company A versus Company B
Now, in order to monetize this, you'd need to place your affiliate link in as many places on site (and in every newsletter) as possible. For example, at the end of each article, you would have a hyper-linked text-ad saying: “Need life insurance? Get a free quote in under 5 minutes”. You would also benefit from using well-placed banner ads across the site.  All the Best.
Read More Here on How To Make Profit From Affiliate Marketing Business Model

6 Factors To Consider When Building Customer Profiles

 1. Affinity profiling – analyzes current buying habits to better match customer to product.

Knowing what kinds of product a particular customer is buying gives you the ability to build an “affinity matrix” showing what related products would stimulate more sales from him/her.
  

2. Demographic and psychographic data is also used for profiling.

Demographics tells you a client is a 29-year-old, unmarried, male who earns $45,000 and drives a 2-year old Lexus.

Psychographic data suggests that single young men who buy status-symbol cars are excellent prospects for other highly visible status products.

Combining the two types of data yields a customer profile to someone marketing, say, the latest cellular phone.
  

 3. Lifestyle Coding is used to enhance basic demographic information.  Simply put – people in certain demographic categories will likely have similar hobbies and other interests.
  

4.  Mapping is another useful tool in building customer profiles.

Census data, topographic information, geographic coordinates, and zip code+4 postal data can be fed into a computer yielding maps that can be color coded to certain characteristics of consumers in particular neighborhoods.


  5.   Cluster Coding is a popular means of grouping people by lifestyle characteristics.

Remember hearing the terms “Urban Up-and-Comers, Settled In, and White Picket Fence” used to describe market segments?

These are known as “clusters”, each given a score according to affluence, social position, activities, and aspirations.


  6.  Survey data – can be used to enhance demographic, lifestyle, and other data to build a profile.

This is collected directly from your customers via application forms, surveys, and credit histories.

This provides a more personal portrait of the customer than merely census or demographic data.

The Direct Marketer of today has become more of a “surgeon” than a “shotgun hunter”.


It’s no longer cost-effective to shoot at 400,000 prospects to get 40,000 clients, and with computers it’s easier to slice-and-dice data today.

14 Tips For Using Facebook And Twitter For Online Advocacy

Facebook

    1. Keep Facebook posts short and conversational, and include an image whenever possible.

2. The most effective way to utilize your Facebook account is to post regularly.

3. A general rule to follow could be to post at least one Facebook post a day, but the more you engage your audience, the better off you will be.

 4. Ask people to share your content through Facebook. Make sure the content is branded with a logo so that we are credited when it is shared.

5. Include links on Facebook to direct people back to the state and national  websites.

6. Share content from the Facebook page and  Action Fund Facebook page.

 7. You can easily create events on your Facebook page and invite your Facebook friends, who can then invite their friends, and so on.

8. Consider creating a Facebook event to advertise events such as your branch meetings, rallies, and lobby days.

Twitter

   9. Share links to press releases, images from events, and other information in 140 characters or less.

 10.  Tweet directly to members of the media and bloggers to encourage them to cover your efforts.

11.  Tweet directly to local organizations that you want to partner with in your efforts or that might be able to help you spread the word.

12. Tweet directly to members of Congress with the action you want them to take.

13.   Use hashtags, such as #Business #Quotes etc., related to what you are trying to publicize.

  14. Include links to your positions on priority issues and to your state website.

4 General Principles For Using Social Media

1. Be genuine: Let your personality show, use humor, and be transparent about who is posting content.
Try not to simply broadcast; rather, when possible, speak as an individual, to individuals. This will help grant you credibility as a trusted source.

 2. Stay focused:  The people and organizations that follow you on social media have certain expectations about the type of content you post and the way in which you engage with them.

If you stray too far from your objectives, you will lose the trust and attention of your community.

3. Be reliable: Share quality content from trusted sources, and avoid amplifying erroneous messages from unreliable sources.

Reliability also means posting to your social media services regularly. Frequently sharing reliable, meaningful content helps establish you as an important source of information and ideas for your community.

  4.  Get social: Above all else, social media is about conversation.

Share and comment on other people’s or organizations’ posts to start new conversations, and join in the conversations that are occurring on your social media pages.

The more you engage with your followers, the more they will understand that your priorities are their priorities too.

Some helpful key points to note.

1. Social media is a conversation, not a monologue.

2.   Create a strategy for using social media as part of your advocacy efforts.

3.  The most effective way to utilize your social media accounts is to post regularly.

4.  Be genuine. Let the personality of show when posting something on social media.

Have a nice day.

5 Tips To Creating Social Media Strategy

An important step in utilizing social media is to create a strategy, now creating a strategy includes the following:
   1. Setting your objectives. Is your goal narrow (publicizing an event) or broad (building and engaging with a community or coalition)?

  2.  Identifying the audience you would like to reach.

3. Are you primarily communicating with people who are already familiar with you and your work, such as your members and volunteers?

Or are you reaching out to men or women you’ve identified as potential members and supporters? selecting the social media platforms you plan to focus on. 

This decision should be guided by your objectives and intended audience.

The most well-known and easy-to-use are Facebook and Twitter, so if you only plan to utilize one or two platforms, we recommend focusing on those.

  4. Gathering resources and materials to share through social media.

    5. Appointing someone or a team of people to manage your social media presence.

Although there are no prerequisites for using social media, individuals with backgrounds in communications, marketing, or public relations can be great assets. 

You’ll also want to select someone who is comfortable and familiar with technology. Have a nice day.

The Art Of Getting Into Negotiation

Whether you are buying or selling real estate, you need to do the right talking to the right people in order to get the best deal. 

Being or using a negotiator is the best way to make sure that you know exactly what is going on and are able to fall into the right piece of property. 

Whether you are a negotiator or working with someone who negotiates, you will want to make sure that you walk into a home with your facts straight.

The first thing to do as a negotiator or to look for in a negotiator is to make sure the facts are there. 

You will need to know going rates, real estate investments and the market, the trends that are in place, and what facts will be best for the properties that are being looked at.

Of course, this will mean that you want to spend time to find the right deal and the right piece of property.

Whether you are an individual looking for property, or are working with a negotiator, make sure that your individual needs come first. 

If you are working with or as a negotiator, you want to make sure that they have your best interests in mind. 

Often times, negotiators will try to sell someone on a deal just so they can receive commission.

This is not necessarily a good way to negotiate or find a deal. 

Everyone should walk away feeling like they won with the investment in the property. 

This starts with finding the right information and ends with making and signing the right contract. 

If you are interested in real estate or just want to work with a negotiator, make sure that they fit your description of a good sales person to work with. 

This will make a large difference in the property that you invest in as well as a difference in your ability to have your individual needs met.

Have a wonderful day.

Over 250 Listed Information Package Idea Titles !

Over the past years,various folios have been developed and sold Online. You are free to use any idea on this list. The list was not Checked to see if any of the titles have been copyrighted. If they have, Simply create a new one. Also, you are free to change the titles around to suit your own situation. For example, "Summer Jobs in India" could become, "Summer Jobs in New York City".  I'm sure you get the point. Good luck to you!

SALESMANSHIP

Ten Ways to Close a Sale

Sell it at the Flea Market!

Is selling for You?

Ten Successful Selling Tips

How to Improve your Sales Technique

Why People Buy

How to Sell Sporting Goods

Positive Thinking makes the Difference

Directory of Direct Selling Firms

How to Get Leads by Telephone

How to Recruit Salesmen

ENTERTAINING AT HOME

How to Throw a Cocktail Party

24 Ideas for your next Birthday Party

Make your next Shower a Real Success!

How to be a Gracious Hostess

The Office Party Guide

Turn an Ordinary Meal into a FEAST!

How to Make Better Cocktails

BEAUTY

Glamour Tips for Teenagers

Beauty Tips for the Expectant Mother

Every Woman Can be Beautiful

Apply Make-up like a Professional

Your Personality makes the Difference

What Color is Best for YOU?

How to Achieve the Natural Look

Choosing the Right Hair Style for You

MARRIAGE

Plan your Wedding Now!

Plan your Honeymoon

What to Wear at your Wedding

Cooking Tips for Newlyweds

Do you need a Marriage Counselor?

Living on a Budget

How to Survive Divorce

How to Get a Divorce

Teach your Husband to Cook!

Organize your Housework

Alimony Laws Made Simple

How to be a successful Father

How to Win a Fight with your Husband

Marry a Man with Money

Poor Men make Better Husbands

FAMILY AND CHILDREN

So, You're Expecting a Baby!

Does your Child take Drugs?

Don't Spank your Child!

Select the Right Names for your Baby!

Inspire your Child to Learn

Can your Boy Defend Himself?

Listen to Your Child

How to Raise an only Child

Teach your Child to Read

Choosing a Baby-sitter

Loving an Adopted Child

Keep your Child Busy!

Tell your Child about Sex

How to Select a Baby Doctor

Understanding your Teenager

Which Summer Camp for your Child?

Teach your Son a Trade

Facts about Childbirth for Husbands

FAMILY PROBLEMS

A Parents Guide to Dangerous Drugs

Save Money on your Clothing Bill

Mother's Guide to Thrift Shop Buying

Where & How to Apply for a Loan

Better Health through Better Eating

How to Trace your Family Tree

Families without Fathers

Does your Child Eat Right?

What Unwed Mothers Should Know

ASTROLOGY

 How to Chart your Horoscope

Selecting a Career through Astrology

Astrology and your Marriage Mate

Apply Astrology to your Daily Life

Astrology Made Simple

Your Future is in the Stars!

How to Read the Zodiac

GARDENING

Build your own Greenhouse

Grow what you Eat!

How to Grow Gorgeous Roses

Beginners Guide to Landscaping

How to Grow Food in an Apartment

ANTIQUES

Introduction to Antique Collecting

Facts about Antique Auctions

How to Sell Antiques

Let's Go to an Antique Show

How to Become an Antique Dealer

Directory of Antique Publications

How to Detect Fake Antiques

How to  Restore Antiques

WRITING

Writing Mystery Stories

How to Write Poetry

Writing Gags for Television

How to Write for Newspapers

Start a Writers Club

Opportunities in Ghost Writing

Can you Write Science Fiction?

How to Write for Trade Papers

Writing for Children

Today's Market for Short Stories

How to Write for Religious Magazines

How to Plot a Novel

Selecting a Literary Agent

How to Write Book Review

How to Review Plays and Movies

Become a Music Critic

What they NEVER Tell you in Writing School!

HOME DECORATING

Decorating Tips for Your Bedroom

Thirteen Ways to Beautify your Kitchen

How to Decorate your Windows

Decorate Like a Professional!

Patios Can be Beautiful

Beginner's Guide to Drapery Making

Wallpaper makes the Difference

Glamour in your Bathroom

Selecting Plants for your Home

PHOTOGRAPHY

Repair your own Camera

Photo Retouching for Beginners

Become a Professional Photographer

How to make Better Home Movies

Selecting the Right Camera for You

Build your own Dark Room

Become a Wedding Photographer

Where to Sell your Photography

CHURCH

Sermon Outlines for Busy Pastors

Fund Raising Ideas for your Church

Twelve Ways to Increase your Church Attendance

Projects for Vacation Bible School

How to use Chalk Talks Effectively

How to Prepare a Sermon

Every Parishioner - an Evangelist!

Choir Practice Can be Fun

Keep the Older Members Happy

Teaching Tips for Sunday School Teachers

Have you been Called to the Priesthood?

Religious Vocations for Women

AUTOMOBILES

How to Tune you own Car

Save Money on Auto Parts

Revitalize your Transmission

How to Test a Car Before you Buy!

Repair the Brakes Yourself

PETS

How to Raise your Kitten

Tricks your Dog can Learn

Build your own Aquarium

Fashion Tips for your Poodle

How to Operate a Dog Kennel

How to Start a Pet Shop

Dog Grooming Opportunities

How to Win at the next Dog Show

Do Snakes make good Pets?

The Successful Way to Raise Rabbits

TRAVEL

Overcome your Fear of Flight

How to Obtain a Passport

Vacation Planning Tips

Travel Tips for Honeymooners

Let's Go Camping

Ghost Towns you should See

How to Survive in the Wilderness

Vacationing in the Desert

Plan a Hiking trip

GAMBLING

How to Become a Blackjack Dealer

Job Opportunities Online

Gambling Secrets Revealed

Win at the Race Track!

How to Play Keno

Baccarat for Beginners

Roulette Self Taught

Why Gambling should be Legalized

Handbook for Poker Players

How to Win at 21

Better Bingo!

Improve your Pinochle Game

How to Cure a Compulsive Gambler

ART

How to Paint Landscapes

Make your own Picture Frames

Oil Painting for Beginners

Working with Acrylics

Introduction to Water Colors

How to Exhibit your Paintings

How to Buy Art Supplies

How to Model for Art Classes

How to Sketch Portraits

Working with Chalks

HANDCRAFTS

Working with Leather

Pottery Making for Beginners

Make your own Jewelry

How to make Beautiful Dolls

Introduction to Metal Enameling

How to make Puppets

Making a Potter's Wheel

Craft Projects for school children

Profits in Indian Jewelry

How to make Stained Glass Windows

Like Working with Beads?

Make your own Christmas Cards

Directory of Wholesale Handicraft Supplies

How to Build Doll Houses

Christmas Decorations You can Make

Knitting &  Crocheting Ideas for the Beginner

Selling Handmade Crafts at Art Shows

Candle making for Beginners

Weave your own Rugs

The Art of Shell craft

Selling Handicrafts on Consignment

Needlepoint for Beginners

Decorating Glass

The Art of Papier-mâché

An Introduction to Ceramics

Conducting Handicraft Classes

Create your own Ear Rings

54 New Quilt Patterns

Making Gifts from Throw Aways

Decoupage:  An Introduction

Christmas Crafts for Children

Bread Dough Art for Beginners

NEW CAREERS

How to Ask for a Raise

Write your own Resume

Earn Money Tutoring

Dance your Way to Stardom

Your Future in Physics

Careers in Astronomy

How to Dress for Job Interviews

Become a Professional Astrologer

Raising Funds for Profit

Gun Repairing as a Career

Opportunities Unlimited for Commercial Artists!

Have Fun!  Be a Ski Instructor!

Job Opportunities in Law Enforcement

Can YOU Manage Apartments?

Become a Book Finder

Writing for Small Town Newspapers

Opportunities in Advertising

Become a Professional Librarian

Are you a BORN Mechanic?

Is there a Place in Television for You?

Show Business Opportunity Guide

Your Place in the Electronics Industry

Environmental Careers

Your Aptitude and your Job

A Career in Nursing for You!

How to Break into Public Relations

Air Freight - Transportation of the Future

Be a Management Consultant

Your Future as a Travel Agent

Opportunities for Part-Time Workers

Wanted!  Aviation Mechanics

How to Succeed in a Job Interview

Job Opportunities for Women in Alaska

Can you Counsel Alcoholics?

Guide to Professional Acting Schools

How to Become a Recording Artist

Finding Satisfaction in your Job

Should you be a Social worker?

How to be a Strip Tease Dancer

MONEY MAKING IDEAS

How to Run a Garage Sale

Making Money with old Comic Books

Start a Shopping service

How to Start a Trade Paper

There's Money in Turquoise

Cash in on Today's Hobby Market!

Investing in Real Estate

Twenty Ways to Get Rich Quick!

How to be your own Boss

Turn your ideas into DOLLARS!

Your Town Needs a Typing Service!

Open an Art Gallery

How to Start a Delivery Service

Collecting Bills can be Profitable

How to Start a Mobile Home Park

Start a Bookkeeping Service

Pen pals are Big Business!

Cash in on the Nostalgia Craze

Form your own Rock Group!

Start a Resume Bureau

Teach Children How to Dance

Profits in Auctions

Business Enterprises for College Students

HOBBIES

Collect Coins for Fun and Profit

Chess:  Self Taught

Boat Building for Beginners

Let's Go to a Boat Show!

Bicycle your Way to Better Health

How to Repair your Bicycle

Let's Motor Bike!

How to Join a Motorcycle Club

How to Repair your Motorcycle

How to Enter a Chess Tournament

Start your own Chess Club!

How to Collect Military Medals

200 Things you can Collect

Collecting Paper Weights

Gun Collecting as a Hobby

Collecting Nazi relics

Guide to Antique Car Collecting

How to Collect Gems and Minerals

Become a Silent Film Buff

Model Railroading:  An Introduction

How to Collect Old Postcards

How to Build Model Airplanes

Collecting Postmarks

Go Fly a Kite!

How to Perform Magic Tricks

Gardening - America's Number One Hobby

Guide to Seashell Collecting

Tips for Radio Hams

Collect Bottles for Fun and Profit

How to Collect Autographs

Collecting Old Automobile Manuals

Do you Collect old Magazines?

Book Collecting for Beginners

PERSONAL PROBLEMS

Protect Yourself from Muggers

Protect your Home from Burglary

How to Handle Obscene Phone Calls

How to Say "No" to a Salesman

Defend Yourself from Rape

How to File for Bankruptcy

How to Sublet Your Apartment

How to Sell Your Home

Investing in Jewelry

What YOU Should Know about Banking

How to Buy Stocks and Bonds

Get Creditors Off Your Back

What Credit Bureaus Know about You

How to Balance Your Checkbook

How to Save on Your Hospital Bills

SPORTS

How to Enter Professional Football

Improve Your Swimming Strokes

Can You Handle Racing Cars?

How to Play Better Baseball

Wrestling Holds:  An Introduction

Guide to Ski Resorts

Amateur Boxing Guide

Know Your Hunting Rifle

Let's Go Trout Fishing

Tennis for Beginners

Keep in Shape!  Bowl!

Treasure Hunting Can Be Fun

Let's Go Deer Hunting!

The Thrill of Salt Water Fishing

Jog Your Way to Health

How to Lift Weights

Build Your Own Gym!

Ice Hockey:  An Introduction

Play Basketball!

Are You Interested in Wild Game Hunting?

Body Building Tips

What to Wear in the Jungle!

OCCULTISM

Witchcraft Secrets Revealed

True Mystical Experiences

Your Handwriting Reveals the Real You!

ESP for Beginners

Yoga for Beginners

You Can Change Your Destiny

An Introduction to Hypnotism

Relax!  Learn to Meditate

MISCELLANEOUS

You Can Be a TV Contestant!

Facts Every Inventor Should Know

How to Enjoy the Opera

Living in a Mobile Home

How to Read Blueprints

How They Make TV Commercials

Are Your Employees Stealing from You?

How to Prepare a Publicity Release

Understanding the Stock Market

Effective Lecturing for Beginners

All about Mutual Funds

How to Pass a Lie Detector Test

Get Free Publicity for your Business

How to Pan for Gold

How to Select the Perfect Gift

How to Remove Tattoos

How to Learn Tattooing

Sewing Tips (From a Professional!)

Make Your Own Cheese

Build Your Own Canoe

How to be a Ventriloquist

The Florida Flea Market Guide

101 Ways to Decorate a Cake

How to Identify Counterfeit Money

Guide to Professional Cooking Schools

Facts about Franchises

Twenty Ways to Get your Name in the Paper!

How to Meet Celebrities

Guide to Radio Talk Shows

How to Adjust to a New Neighborhood

Recipes for Homemade Jelly

How to Conduct a Political Campaign

How to Hold a Fashion Show!

How to Move - Easily, Economically

Handbook for Street Musicians

How to Mold Public Opinion

How to Spot a Potential Suicide

How to Train a Hunting Dog

HEALTH

Ten Old-Fashioned Cold Remedies

Facts about Arthritis

My Life with Polio

Ten Ways to Cure Insomnia

Recipes for Diet Candy

Fasting is Good for You

Are You Facing a Nervous Breakdown?

How to Care for your Skin

And So On. Have a nice day.