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Creating a Proposal. Gaining An Edge on The Competition.
by: Anthony Jewell
When you start up any business there will be learning curves along the way. One of the biggest is when you are in an industry where you have to tailor bids according to each project. How you go at this and what you put in your proposal can actually give you an edge on your competition. On the other side what you put in it and what/how you present it can actually hurt you, making you seem unprofessional. Also what you don't put in it can hurt you down the line not only in the amount of time it will take to finish the project but also financially.

Every project and every client is unique, this is very true. A proposal's content will be different for each client but its appearance and how it is organized will be the same every time. It should be easy to read, easy to understand and present your bid in a professional easy to follow manner. You do want whoever is looking at this to think that you got your act together. That you no how to do business, right? Now your proposal might not get you the job right off the bat but it will get people looking closer at you and your work. Giving you a great chance at getting their project.

A proposal should be set up in a document program such as WordPad, Lotus or Works so that it can be attached in an email. Make sure that you can save it in multiple formats as the client may not have the same programs as you.

Now when setting up your proposal you should section it off into three parts. This will allow you to organize your information better and also help give it a more professional look. The three sections are:

The Header:
Which should Contain your company name, your logo as well as the projects name and date. Example:

Your Company Name
**Your Actual Logo**

Project Name Here. Date: September 16th 2005.


The Body:
The next part of the proposal is the body. This part is a little more complex as it contains more information to do with the project, pricing and timeline. It should look something like this:

Your Company Name Here: Design Quote Name:

Project Name: Project name here.

Project Start Date: September 16th 2005.

Project End Date: October 16th 2005.

Project Specs:
1. Website Design.
2. Logo Design.
3. Php Coding.
4. Ect.....

Project Quote: $X,xxx

Payment Terms: 50% deposit(non-refundable) - 50% Payment upon completion.

Payment Choices: Credit Card, Paypal, Money Order

Invoice is Due: So many days from the time of invoice(this can be on the same day, a week from then or even 30 days, it is up to you if you will start work before getting a deposit).


The Footer:
The footer is very simple. It should only contain your company name, your url, contact information and saying thank you for consideration:

Company Name here : www.CompanyNameHere.com : Contact Name here - Info@Company.com : Thank you for Consideration.


I hope this helps you get even more projects. Good luck!

About the author:
Anthony Jewell has over 6 Years experience in the Web & Graphics World. You can visit my business and join in conversation at our forum at http://www.logo2d.com/forum& http://www.logo2d.com

©Copyright 2005 Logo2D.com


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How to Find the Best Low APR Credit Cards
 by: Morgan Hamilton

Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.

Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.

Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.

Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.

Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.

Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.


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