chronoswiss

3. Always sign separate email with your name

chronoswiss — Wed, 07 Jul 2010 03:40:05 +0000

1. Make valid total your email recipients are opt in or geminate opt in. This means that they have subscribed to your ezine,Fakima, newsletter, report or e-course.

2. Always provide an unsubscribe link

3. Always sign separate email with your name, address, company (if any), telephone # and email address. This will ensure you are nevermore accused of spam or not fully you will be found legal.

4. Keep the email summary, with separate paragraph 5-10 lines at manifold. People are in a hurry and they scan manifold email extremely make valid your email has the of substance point in the first sentence of separate paragraph.

5. Create a compelling or interesting satellite line. You want your email opened at the last. Good headlines aren’t hype of over-stated, guilelessly what the benefit the reader will get for opening and reading your email.

6. Format whole email to 60-65 lines. This ensures your email won’t look like: when you send an email make valid its properly formatted with 60-65 characters per line with a ‘hard return’ extremely it looks undeviating and practiced.

I use a colossal program called Ezine Fire that has a file and format that will scan your email for pushover words that will trigger filters and insert a space, apostrophe…etc in text or html.

You can sign up for comp at: http://www.ezinefire.com/Home/redirect.php?master=1364

7. I like to use P.S. in manifold of my email ads. People tend to scan and read the P.S. if nothing more )

8. Try to add your personality to the email text. People want to associate with these that seem physical and frank. Don’t come across another salesman trying to sell them something. Create more skillful gratified and use a resource box that has your name, email address and a blurb about a product your pitching. The transcendent way is to get them to subscribe or email for something comp, related to the topic of your ezine, report or e-course.

How arethey making money

whence to eat

chronoswiss — Wed, 07 Jul 2010 03:39:37 +0000

“I believe wholeheartedly in the importance of being a Mom who chooses not equal to work outside the household at peace almost on one available for my children. However, I likewise have experienced the effects of a unique income and it’s not polite,” explains one calm mom. Stay at household parents are finding it increasingly toilsome to support their family on a unique income. Their alternatives are not appealing either. They could return to work extravagant time, they could pursue a part time job or they could look into a work from household opportunity. In manifold cases these options will help financially, but they will take forth from the one model considerable value for calm moms and dads- being an requisite part of their child’s early years.

Returning to a extravagant time career demands added to 40-50 hours a week. It creates the demand for a babysitter, it creates manifold stress for the parent returning to the work force and it creates a sense of failure for both parents. When a family has decided to take one grown and make him/her to the full time parent, any resignation of that situation results in a feeling of incompleteness and failure.

Taking a part time job presents manifold of the tantamount issues as a extravagant time job. Often the calm parent has errands to do, loads of laundry to wash, meals to cook, and sports games to attend. A part time employer usually needs their employee almost on one plastic and available throughout the week. This is reliable not pushover for the patterned calm mom and dad. Part time work oftentimes leaves the parent feeling imbecilic. Who wants to file papers for their civic dentist or stuff envelopes with insurance plan papers?

The conclusive option calm moms and dads have is the ability to work from household. Typically these jobs revolve around any to a degree MLM, or multi-level marketing. Stay at household parents oftentimes find themselves choosing between selling the latest makeup product or vegetative weight loss supplement. Neither brings joy and neither brings extravagant money.

The Internet has created a extravagant chasm of work at household business opportunities at same time. Doing a Google search for “work at household businesses” will yield tons of results. The problem is that manifold of these are scams. They are get opulent headlong schemes. These are opportunities that promise gross* results with inappreciable or no effort involved. Potential work from household moms and dads should be discreet of these companies because they suck time and money from you and your family.

Doing occupied research will yield a few installed opportunities for work at household parents. Below are 4 steps that have proven valid in installed businesses. You may view the physical results of these 4 steps by visiting http://proof.sitesell.com/mylife.html. Hard core, confirmable proof is the model first thing you should ask for when researching a work from household or installed business opportunity.

Step 1- Content

Creating an installed business should be about passion first and foremost. Pick a few things that you know and love. It can be orchids,Fajar, fire trucks, fitness, or libraries. Whatever it is that you love and know something about will qualify.

Let’s take fitness as our example. I love fitness. I create a website total about fitness. I write about working expired, whence to eat, whence to see results without using steroids, etc. I make total of my web pages visitor friendly. I talk to my visitor in a habitual vocal tone. There is no lubricious sales pitch- reliable colossal gratified that answers my visitors question or solves his problem. After total, that is why my visitor came to my site. To get information!

Step 2- Traffic

I instanter have a website total about fitness. It provides transcendent information that my visitors will love. Search engines will love it further and here’s why. Have you ever done a search for something on Google or Yahoo and the only results were spam? They were reliable websites designed to sell you something? Of course you have. We total have.

Search engines are constantly looking for websites that provide physical information. That is what makes their customers (you!) tickled. If the search engines can find a colossal installed business like peculiar, they will gross* it flourishing within their search results. They will want to because it makes them look good.

Step 3- Pre-Sell

When you create your installed business, you will create gratified that is undemanding to read and answers your visitor�s question. Your visitor will instanter view you as an practiced in your field. She will build trust and confidence in you because you are not trying to sell her a product. You are giving her what she wants- information and answers to her problem.

Step 4- Monetize

Believe it or not, that is the undemanding part. Building friendly gratified opulent pages is the hard part. By instanter you have 10, 20, or perchance 100 pages total about your passion. You are ranking flourishing at the search engines because you answer the question or solve the problem of your visitor. You have built trust and loyalty with your customers.

The alongside step happens naturally. When you create a different product or service, you already have a ugly of raving fans to market to. These raving fans already know you and already trust you. If your different product or service speaks to them or helps them they will buy from you. Why wouldn’t they? They already trust you. That is the vital ingredient.

Work at household moms and dads have a hard time generating a runner-up income while maintaining their core values and beliefs. Often times they drop tons of cash and waste loads of time on asleep end work at household options. Doing research is the first step. Learning about business and installed businesses is the runner-up step. Take a look at whence these four steps create flourishing installed businesses come again encore. It is absolutely pushover for a parent to calm and raise the family while producing a runner-up income.

if you provide access to a business toolkit

maintain your web page and products

chronoswiss — Wed, 07 Jul 2010 03:38:55 +0000

When it comes to researching for niche markets, manifold people are confused and are nevermore truly valid if they have found a niche that is on tap other competition and silent has considerable demand, or if the niche is closed off to different entry. The answer is expert is all in all demand in niche markets, and if you feel the demand is being met suddenly expert is demand for other niches within a niche market. When researching niche markets and trying to decide what on the make paid off, you should first look at what you enjoy and on the make transcendent at doing day in and day expired.

The reason it is considerable to analyze your desires and strengths is because you want your household based business to work and be profitable, and if you do not enjoy it you will not be intelligent to give it the attention it needs to grow, unmindful of the demand within the niche. So, evaluate what you like, your skills, what services or products you can provide, and suddenly begin figuring expired the niche for your itemized skills and products. If you don�t feel expert is a colossal demand, or the market is already saturated, suddenly consider altering your product or service a bit extremely expert is a niche market for it. All you really need is a inappreciable creativity.

Also, you will need to consider your competition. Research the Internet for further competitors and what they offer and whence they offer it. Find a way to offer something taking into account limited, or offer specialized products and/or services extremely they are more or less like competitors. All of these actions will differentiate you from the rest.

Once you have decided on your niche market, or on different, you will want way the ball bounces up with different centenary famous keywords that describe that niche market or that people might use when searching on Google and on and on. Then, run these keywords through a program that will tell you their relevancy and whence oftentimes they are searched for. If you have different niche markets in the mind, you will want to go with the one that is searched for the taking into account that one has the manifold demand. If you have one and only in the mind, make valid the asleep of people searching for your product or service will make it gainful for you to engage in it.

However,Quadera, don�t look for niches that are completely no strings attached because that is virtually unlikely. Conversely, expert are manifold niche markets that are under filled and could handle other competition.

Once you have entered a niche market, always provide undeviating and practiced service, maintain your web page and products, change your marketing tools or products if all-important to react to different competition, and always be with it. As stringy as you are proactive you will be an advancing competitor.
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I had no idea what to do and where to go

Imagine…

chronoswiss — Wed, 07 Jul 2010 03:38:28 +0000

If you have never really considered running your own home business before, you should. There is no better way to make a living than working for one’s own account. You set your own hours.

You work whenever you want. You can travel and vacation whenever you want.

Therefore, here are five killer steps to profit from Google AdWords that you will not find in any e-book, and that any AdWords expert will reveal to you. Apply these to your online business and succeed fast:

1. Target profitable two tiers or residual income niche markets.

2. Use right tools for your Google AdWords keyword research.

3. Purchase a domain name and create a landing page for each niche product that you promote with AdWords.

4. Capture email addresses of your landing page visitors.

5. Follow up with your subscribers and profit by pre-selling your niche products. Plus, back end sell.

PROMOTE PROFITABLE NICHE TWO TIER OR
RESIDUAL INCOME PRODUCTS AND SERVICES

First, the products, or services that you promote with Google AdWords must target niches where people have lots of money to spend.

Second, you can make much more money if you advertise two tier or residual income products.

Two-tier programs reward you for signing up affiliates. This way you earn commissions not only on your own sales, you earn commissions on their sales too.

A good example of residual income services are web hosting affiliate programs where you can profit from your sales lifelong!

USE RIGHT TOOLS FOR YOUR GOOGLE ADWORDS
KEYWORDS RESEARCH

First, did you know that you could spy on your competitors’ keywords by using an amazing tool called GoogSpy?

http://www.googspy.com/

Just enter a domain name of your direct competitor and see on which keywords they are bidding. Just this little known secret could make your AdWords profits soar.

Moreover, the best: It is FREE!

Second, since the competition in the pay per click marketing is fierce never use only free keyword research tools like Overture’s Keyword Selector Tool.

You will miss many profitable keywords if you do so. To succeed one of the best tools that work is Click Ad Equalizer.

This software literally shows you exactly what affiliate programs you should sign up and exactly with which keywords to sell!

Click Ad Equalizer does all of the work for you by finding the most profitable keywords and products in minutes and delivers the cost per click on cheaper search engines!

PURCHASE A DOMAIN NAME AND CREATE A
LANDING PAGE

If you don’t have your own web site for each niche product or service that you advertise via ppc search engines, you are leaving money on the table. Read on to discover why…

CAPTURE EMAIL ADDRESSES OF YOUR
LANDING PAGE VISITORS

Yes, you can promote affiliate links directly with Google AdWords. However, this way you will lose many prospects that you could contact later and making money.

Imagine…

When you promote an affiliate link, you drive traffic directly to the affiliate’s web site. If a visitor doesn’t purchase the product immediately, chances are he or she will never purchase it again. Of course, the best affiliate programs place a cookie on their prospects’ browsers. In this case, you still are paid if your prospect returns to your affiliate’s site. That is why it is important to select the best affiliate program from the beginning.

If you can achieve 1% visitor to sales conversion ratio, (it means 1 sale from 100 visitors) with Google AdWords – you have a winner product!

Now, if you have a simple subscription form on your landing page and you have a great web copy encouraging your visitors to subscribe to your newsletter or an e-mail course, you will enjoy not 1% but 20 – 30% visitor to subscriber conversion ratio when driving targeted traffic to your web site with Google AdWords. Therefore, when you capture email addresses, you build a list. Moreover,Hadyn, as you know ? the money is in the list!

FOLLOW UP WITH YOUR SUBSCRIBERS AND

PRE-SELL YOUR PRODUCTS AND SERVICES

This step is where the real profit is made. Simply, create quality targeted content in your newsletter or course, and later follow up with your prospects using autoresponders.

It is said that the products and services are sold after 7 – 9 follow up messages. Besides, you can contact your subscribers anytime later as new quality products hit your targeted niche market.

Therefore, you need a simple action plan that should help you boost your Google AdWords profits. As you can see, without a web site you cannot profit as much as you could by creating a simple one-page web site.
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garage sales

don t leave your online marketing to amateurs.

chronoswiss — Wed, 07 Jul 2010 03:37:39 +0000

In times of economic uncertainty and for businesses that cannot afford to maintain unnecessary fixed operating costs, outsourcing any non essential tasks is a significant way of reducing costs whilst maintaining standards. But is outsourcing a good idea for you?

Most businesses are busy enough with their essential daily operations without the issue of their online marketing to deal with. By outsourcing their online marketing, businesses could focus on the things that they are best at. Doing your own online marketing costs time and money. When you outsource, your company gains the high quality and expertise you need without the drain on your current resources.

By outsourcing their online marketing, companies can cut costs without cutting corners. Outsourcing your online marketing allows you to maintain the same high levels of online presence without the fixed levels of cost. Outsourcing can allow you to reduce your running costs without compromising on what you get from your online marketing.

When you outsource your online marketing,Kaci, you can respond to the changing demands of your marketing strategy without the implications of increasing or decreasing your staff. Outsourcing is the perfect way of expanding or reducing your online marketing output without long term costs. When you outsource, you only pay for what you need now. This cuts down on the costly business of advertising, recruitment, and additional salaries. Outsourcing provides a flexible online marketing staff, with the same levels of service as your own staff, but without the continued commitment.

At present, in a financially weakened UK, over a billion pounds of outsourcing has been agreed for the near future. Under the current economic gloom, successful UK businesses know the time is right to outsource their non core business operations. Model their practices and reap their rewards by outsourcing your online marketing to experts.

Of course, there are reasons that you may be reticent to outsource:

If you re tech savvy, it may seem pretty simple stuff. If you have IT staff already, you may task them to perform your Internet Marketing, because IT is what you pay them for. But Internet Marketing is not IT; it requires specialist experience and expertise.

In that case, you re probably thinking your marketing people could handle it. But there s a completely different skill and knowledge set associated with online marketing. Results online come from the application of up to date knowledge in the online marketing sector, if you want results, don t leave your online marketing to amateurs.

Lastly, you may feel that you could just do it yourself. It s not a stupid idea, but it could be costly. The time it takes you master AdWords, SEM, Search Engine Optimisation the cost in time to write articles, update your blog, submit your articles, create web content, optimize your site, plus the costs associated with trial and error it just makes sense to outsource. Get the best, for less.

Outsourcing your online or Internet marketing makes sense. Get all the value of a strong online presence combined with the flexibility to respond to fluctuations in demand. Get the service standards of excellence you require without the fixed costs.
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smart cards

1.5 million.

chronoswiss — Wed, 07 Jul 2010 03:37:14 +0000

The UK National lotto is reg,Nacho ularly sitting on huge quantities of prize money that they are just waiting to be claimed. In just the 5 month period from September 2008 to February 2009 just under ?4 million still sits unclaimed by players of just the UK lotto game. These are not just a mass of insignificant prizes either there are many in excess of ?10000 a few over ?100000 as well as one prize of ?1.5 million.

If you have gone to the effort to purchase your lottery tickets for the UK National lotto ensure that you check your lottery tickets numbers as soon as the draw has passed. If you are fortunate enough to secure a cash prize try to claim it at your earliest convenience because the UK lotto rules specify that any prize that has not been claimed within 180 days will be distributed among charitable organisations.

The biggest reason specified by lotto players as to why they do not claim their lotto wins is because they have lost their tickets. I m sure that nearly all of us have lost our lottery tickets at some point and have desperately tried to get hold of it in time for the draw but to no avail.

Depending on the amount of your UK National lotto win there are different ways in which you claim your spoils. If your prize is less than ?200 you can collect your cash from any UK National lotto retailer in the UK. When your prize money fall into the category between ?200 and ?500 some lottery retailers may still pay out a cash sum of this size but for those who choose not to do this you will need to visit a post office to claim your cash prize.

When claiming UK National lotto prizes falling in the category between ?500 and ?50000 again the post office can be used as your port of call. You will be required to complete a claim form show your winning lottery tickets as evidence as well as show your proof of identification before being issued a cheque for your winnings. Cash prizes of this nature can also be requested by post from the UK National lotto head quarters. Again you will have to complete a claim form and send your winning lottery tickets as confirmation of your win. If you decide to apply for your prize in this way be sure to make a copy of your lottery tickets for your records and then mail the lottery tickets itself via recorded delivery.

If you are lucky enough to be requesting a UK National lotto prize in excess of ?50000 you are required to make a trip to one of the National lotto regional centers and make your claim in person.

If you want to keep away from ever joining the long line of individuals who forfeit their UK National lotto spoils it would be wise to set up a lottery tickets subscription with the UK National lotto directly.

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pack and ship the items on their peculiar. Additionally

How is this accomplished

chronoswiss — Wed, 07 Jul 2010 03:36:08 +0000

The MOST crucial element to success in online marketing is what?

Answer: You must build an opt-in list.

This should be your 1st goal.It�s a well known fact that, �The money is in the list.�A big list could set you up financially for life.That�s why you must begin here.

You absolutely have to have a group of people to sell your product to.Otherwise, you don�t have a profitable business.You just have a website in cyberspace.

They say, �You can�t sell from an empty wagon.�Well, juice up your site with all the �trick� adcopy you want.I don�t care how good your product is� IF you ain�t got no customers!

Statistics point to the fact that surfers won�t make a purchase on the initial visit to a website.You have to establish some credibility with them in the beginning.So, it�s imperative that you capture their email address to foster that relationship.Then you can go about designing a campaign which leads them to a purchase.

How is this accomplished?

A business management tool called an Autoresponder is used.This subscription service manages your database of interested customers.Once established, you will create a signup form to place on your website.This will allow people to input their name and email address.Now you can contact them with future offers.

You can also preprogram messages into the Autoresponder,Padraic, to be delivered at various intervals.Maybe, once a week or every two weeks.This keeps your name in front of your customers.For less than $20 per month, this is an excellent resource.

Why will someone give you their email address?

Because they expect something of value in return.Maybe you are offering a �free� report of some kind.How about a monthly eNews letter.Or a mini-course on a particular topic.

I sincerely hope this article has been of benefit to you!

D.S. Mueller
http://www.moneyinyourwallet.com
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but to the point is

and the current state of demand in the market

chronoswiss — Wed, 07 Jul 2010 03:35:03 +0000

Has your grandma left you her rings and necklace? If so you may be sitting on a undiscovered goldmine, forgive the pun. Antique jewellery has never been so fashionable. Expensive stones and high carat metal will always carry a curtain market price. Antique jewellery however has developed a strong market however simply on its antique status.

Fashion forward celebrities including Nicole Richie, Ashley Simpson, and Victoria Beckham have been adding a unique sparkle to their wardrobes with one off pieces of antique and vintage jewellery.

And with the red carpet coming to Dubai this month,Kadeem, thanks to the fifth edition of the Dubai International Film Festival, style conscious women in the region are also investing in vintage pieces and keeping up to date with the latest fashion must haves.

Anna Haughton, Co organiser of Art Antiques Design Dubai , said:

Beautiful jewellery is the perfect way to accessorise any outfit, and many trend setting celebrities have shown that wearing out of the ordinary pieces is a great way to stand out from the crowd.

Vintage jewellery is now back in fashion like never before. Some women are discovering their mother s, grandmother s, or even great grandmother s diamond necklaces pendants and taking them out into the light of day for the first time in decades. Others discover these pieces through retailers, auction sites, and estate sales.

Regardless of how you have discovered antique jewellery, there are some things you should know before purchasing (or selling) the piece. These are also general guidelines for people who are rediscovering their family s vintage gemstones, since understanding their value is essential.

First, it is important to get a diamond appraiser to take a look at your jewellery. An expert s opinion is essential, because there are many fake diamonds and other gemstones out there being passed off as the real thing. And unless you have the right training and equipment, there is no way to distinguish between a real and fake diamond.

Make sure that your appraiser gives you a written estimate of the jewellery s value. This is important even if you re just rediscovering your grandma s jewels because you will need this estimate for tax and insurance purposes. It will also provide valuable information about the quality and condition of the gems and whether they have any damage.

If you are buying antique jewellery as an investment, you need to know how much the piece is worth in today s market. The overall value depends on the value of the gems and precious metals in the piece, as well as the style and designer, and how the market values pieces of that type currently.

Many online sites and antique value books can help provide information about the market value of your diamond necklaces pendants. You can also hire an antiques appraiser with expertise in vintage jewels. Although there will be a small cost associated with this service, it may be worth it if you can more accurately know the piece s value.

Break down the value of the vintage jewellery according to the values of the individual gemstones, the metal in the setting, the designer s appeal, and the current state of demand in the market, and you can better determine if it is a good investment.
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Levin’s Shoes & Dry Goods

classy designs

chronoswiss — Wed, 07 Jul 2010 03:34:13 +0000

The Noritake Company began as the creation of the Mura brothers in the year of 1904 and has since grown to be a worldwide brand for not only dinnerware but for industries which make use of high tech porcelain technologies. The Mura brothers were Japanese land barons who seemed to have the vision of taking the company global in their minds from the very beginning. Having traveled extensively to areas of Europe and the United States, the Mura brothers became very interested in the western technologies of dinnerware creation, as well as western styles and designs. Their dream was to use these western components in Japan, as they planned creation of their own line of signature dinnerware, known as Noritake.

Upon founding the company, they had an office in New York and produced china dinnerware in the style of the western world with western technologies, just as they had planned in the beginning. Their dinnerware creations became well known in the United States as an affordable alternative to European or American china, and the popularity of their brand grew quickly. Shortly after World War II, the company had built a strong reputation in America. The ceramic creation industry was regarded as an opportunity for jobs to be created for women. This made Noritake an important player in the revitalization of the post war economy in the United States.

In addition to this, Noritake sold a lot of their dinnerware to the members of the United States military who were stationed in Korea and Vietnam during the wars in those countries. The United States soldiers brought the Noritake dinnerware back home with them and the popularity of the Noritake brand in the United States grew even stronger. Then, in the years of the early sixties up through the eighties, United States� department stores were adding Japanese china to their product lines, which caused the brand to catch on even more.

Due to the greater affordability of the Noritake products,Quanshae, their brand grew increasingly popular during this time period, especially in their product lines for bridal registries. The Western designs caused them to be easily received by the consumers of the United States, and soon the Noritake brand become one of the most popular brands of china available. Today, Noritake is a large international company with numerous product lines selling in counties all over the world. In addition to this, they have branched into other markets outside of dinnerware, and now create components for electronic displays and high tech grinding wheels used by the automobile industry.

Today, the headquarters of Noritake is still in Japan in the city of Nagoya, where they manufacture not only their dinnerware products, but also high tech porcelain which is used for various applications in the electronic and automobile industries. They also have offices in Fair Lawn, New Jersey, where their financial and design issues are handled, as well as a distribution and retail division in Cincinnati. Their affordable prices, classy designs, and dishwasher safe materials, make them a practical and aesthetically pleasing solution for creating a great dinnerware collection.
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so it pays to stay safe.

When we know the root causes

chronoswiss — Wed, 07 Jul 2010 03:33:28 +0000

Lean manufacturing offers many mental challenges for all levels in an organization. First of all believing there are wastes in the system is a challenge. People have a safe territory. They do not want to leave it. People are very comfortable in this territory, whether it is truly good or assumed to be good. Understanding the fact, there are wastes to be removed from the system offers a threat to the safety of this comfort zone. People therefore are not willing to come out of this, unless they see something they can�t resist. For an example people will not see their high work in progress as a waste unless they have a good reason to see it as. If one can see huge lead time savings and improved flexibility as the results of removing work in progress from the system, then they will have less resistance in looking work in progress as a waste. With all these resistance, lean manufacturing is spreading throughout the world in a rapid phase. This implies the fact that there are many, many organizations understand the advantages offered by lean manufacturing. This goes to show how strong lean manufacturing principle and concept is. It has a proven ability of removing the wastes from the system.

The second phase of lean manufacturing is understanding the root causes of the wastes. Ones you understand the fact that your system has wastes, then it is the time to remove them from the system. This is necessary for a successful lean manufacturing implementation. How to do this? First of all, we have to understand the sequence in which wastes to be removed. Priority should be in removing large wastes which have biggest impact on the system and so on. Once this is done, we will have to understand the root causes for this problem. We will have to map these root causes, and systematically remove them. We can use a lean manufacturing tool like Ishikawa diagram or a cause and effect diagram in doing this.

When we know the root causes, it is the time to remove these root causes from the system. Actually this can be described as the starting point of lean manufacturing implementation process. This process needs lot of skill, leadership and support. Talking to the emotions of the people is one of the important aspects of this phase. For an example,Gabbi, if you have found out that machine breakdown as the prime source of problem, then you will have to work with the inefficiencies of maintenance process. This will create pressure among the people in the maintenance department if they are not trained well to understand the lean manufacturing principle. These situations must be handled with great care.

At the end of the process of removing these root causes, it is very important to make sure that you have successfully removed the waste. Removing 90% will not do. Once you make sure that you have successfully removed the identified waste, and then you can repeat the same cycle for another problem. This will go on and on. Problems will be identified continuously and will be removed continuously.

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If you are in dire straits bordering on bankruptcy