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<content:encoded><![CDATA[<p> Digital marketing has made marketing a l ...
<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>csesocme.info</title> <atom:link href="http://csesocme.info/?feed=rss2" rel="self" type="application/rss+xml" /> <link>http://csesocme.info</link> <description></description> <lastBuildDate>Wed, 18 Oct 2023 17:17:41 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Do Payday Loans Help Families Live The Elusive Dream?</title> <link>http://csesocme.info/?p=61</link> <comments>http://csesocme.info/?p=61#comments</comments> <pubDate>Tue, 18 Jul 2023 02:31:44 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://csesocme.info/?p=61</guid> <description><![CDATA[Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any … <a href="http://csesocme.info/?p=61">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>http://csesocme.info/?feed=rss2&p=61</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Digital Marketing: An Integrated Method of Connecting With Customers</title> <link>http://csesocme.info/?p=59</link> <comments>http://csesocme.info/?p=59#comments</comments> <pubDate>Sun, 09 Jul 2023 23:37:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://csesocme.info/?p=59</guid> <description><![CDATA[Digital marketing has made marketing a lot more transparent and convenient as a result of which there is a huge surge of potential customers flocking to the Internet to buy goods and communicate with manufacturers and organizations. There are still … <a href="http://csesocme.info/?p=59">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Digital marketing has made marketing a lot more transparent and convenient as a result of which there is a huge surge of potential customers flocking to the Internet to buy goods and communicate with manufacturers and organizations. There are still some companies that believe they do not need this to increase their profits. Any company whether large or small benefits from this kind of marketing and a strong digital marketing strategy. It will surely and effectively bring in results that will help you outperform your competition and create results in the marketplace.Digital marketing usually consists of interactive and integrated marketing that aims to enlighten and educate the customer, to make a positive difference to the client’s initiatives. It uses local knowledge to connect with the target audience through the most appropriate forms of digital media. Using social media platforms such as Facebook, Twitter and other forms such as such as e-mail, text messaging and search engine optimization, it is easy to be aware and cater to the needs and desires of prospective customers and consumers.Digital marketing is a term that has been heard for quite a while but nobody is entirely sure as to what it actually means. At the heart of it is the Internet which is not only a communication vehicle but also a powerful marketing medium. It has become indispensable to the modern corporate world.With the help of a well planned digital marketing strategy, agencies can see in real time how the company is performing, the content being viewed at what frequency, the kind of response and purchases being made.They try to allow future customers to communicate with them, give their opinions, ideas, and views in order to gain a clear understanding of consumer preferences and to forge and establish engaging relationships with their target audience.This is the marketing of the future as it enables people from a wide demographic range to communicate and share ideas. It is becoming wildly popular as it is efficient and measurable. The biggest advantage is the instant feedback and response that internet marketing provides unlike traditional forms of marketing where a response or feedback is not only difficult to measure but also takes a much longer time.Digital Marketing has given consumers the opportunity to express themselves through a wide variety of media outlets.It is being quickly recognized as a tool in bringing empowerment and social change and deservedly so. 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href="http://vvhatto.info/">vvhatto.info</a></p>]]></content:encoded> <wfw:commentRss>http://csesocme.info/?feed=rss2&p=59</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Trends in Financing Your Business in 2010</title> <link>http://csesocme.info/?p=54</link> <comments>http://csesocme.info/?p=54#comments</comments> <pubDate>Thu, 11 May 2023 18:11:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance bros]]></category> <category><![CDATA[finance career]]></category> <category><![CDATA[finance degree]]></category> <category><![CDATA[finance frauds]]></category> <category><![CDATA[finance kya hai]]></category> <category><![CDATA[finance major]]></category> <category><![CDATA[finance meaning]]></category> <category><![CDATA[finance news]]></category> <category><![CDATA[finance shorts]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance with sharan]]></category> <category><![CDATA[fix finances]]></category> <category><![CDATA[fix my finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[mba finance]]></category> <category><![CDATA[mba finance jobs]]></category> <category><![CDATA[mba in finance]]></category> <category><![CDATA[personal finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[raga finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <category><![CDATA[yahoo finance premium]]></category> <guid isPermaLink="false">http://csesocme.info/?p=54</guid> <description><![CDATA[Trends in the business industry tend to undergo some changes as the years pass by. Understanding these trends will help you plan out your business more appropriately. Whether you’ve already established your own business or is planning on starting up … <a href="http://csesocme.info/?p=54">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Trends in the business industry tend to undergo some changes as the years pass by. Understanding these trends will help you plan out your business more appropriately. Whether you’ve already established your own business or is planning on starting up a new one, it is worth considering the latest trends in the market before setting up new plans for your business. Let’s talk about the latest in business for the year 2010:Angel Investment<br />Angel investment is the term used when larger companies in the mainstream market provide start up capitals and support for smaller business. This system of financing business was introduced in the late 1990s and since then, its popularity hasn’t waned. According to reports, in the US along, there is an estimated number of 25,000 companies or angel investors that support about 50,000 small companies every year. Interestingly, this number is expected to grow in 2010.Entrepreneurship<br />The year 2010 is expected to open up more business opportunities for budding entrepreneurs. This fact is still in connection with angel investing. According to the Center for Venture Research, there has been an increase or 10% in investment yield back in 2005. Because of this positive result, more and more companies are now seriously considering angel investing. Of course, this can only mean good news for those people who wish to venture into business.Business Credit Cards<br />In the past, business owners used their personal credit cards to finance their business. Today, credit card companies have introduced business credit cards which are exclusively designed to cater businessmen and entrepreneurs. Business credit cards have made managing business finances more efficiently and conveniently.Furthermore, business owners can now establish their own business credit account so they don’t always have to rely on their personal credit scores to get approved by lenders. In addition, lenders are now more lenient in allowing those with poor credit scores to get the funds they need. Although, these loans may come higher terms, it still opens an opportunity for everyone who wants to start his own business.Equipment lease financing<br />Start up financing is now the trend in business. This gives a chance for entrepreneurs who have a limited budget to put those brilliant business ideas to life. Before, opening up a business would really require you to produce a big capital. Now, aspiring entrepreneurs don’t have to wait for a long time to save enough money or to get a loan just to buy equipment and devices necessary for the business. By leasing equipment, they can use their initial capital to start production and market their business right away.Home Based Businesses<br />The internet has opened up a wonderful opportunity for people at home to work and earn money at the same time. We’ve seen the success of home based businesses since early 1990s but in 2000, home based businesses have dramatically dominated the marketing industry. This trend is expected to flourish even more not just in 2010 but in the years to come. </p>]]></content:encoded> <wfw:commentRss>http://csesocme.info/?feed=rss2&p=54</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Banks Have a Lot of Reasons to Reject Your Small Business Loan</title> <link>http://csesocme.info/?p=52</link> <comments>http://csesocme.info/?p=52#comments</comments> <pubDate>Wed, 29 Mar 2023 13:19:36 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Small Business]]></category> <guid isPermaLink="false">http://csesocme.info/?p=52</guid> <description><![CDATA[For a small business to grow into a big business, it needs a loan unless it has exceptional sales and profit margins. A small business owner has quite a few places where he/she can go with a loan request. Banks … <a href="http://csesocme.info/?p=52">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> For a small business to grow into a big business, it needs a loan unless it has exceptional sales and profit margins. A small business owner has quite a few places where he/she can go with a loan request. Banks seem to be one of their options on most occasions. What these owners might not realize is that banks have recently developed a reputation for rejecting small business loans. It seems that banks are more interested in financing large businesses due to their benefits. A bank can come up with a variety of reasons to reject loan approval for a small business. Some of the common reasons are as under:Reasons for Banks to Reject Your Small Business LoanCredit HistoryOne of the barriers between you and the business loan is credit history. When you go to a bank, they look at your personal as well as business credit reports. Some people are under the impression that their personal credit does not affect their business loans. But that’s not always the case. A majority of banks look into both the types of credits. One of the aspects of credit that matter a lot to the banks is credit history. The length of your credit history can affect your loan approval negatively or positively.The more information banks have at hand to assess your business’ creditworthiness, the easier it is for them to forward you the loan. However, if your business is new and your credit history is short, banks will be unwilling to forward you the desired loan.Risky BusinessYou must be aware of the term high-risk business. In fact, lending institutions have created an entire industry for high-risk businesses to help them with loans, credit card payments, etc. A bank can look at a lot of factors to evaluate your business as a high-risk business. Perhaps you belong to an industry that is high-risk per se. Examples of such businesses are companies selling marijuana-based products, online gambling platforms, and casinos, dating services, blockchain-based services, etc. It is imperative to understand that your business’ activities can also make it a high-risk business.For example, your business might not be a high-risk business per se, but perhaps you have received too many charge-backs on your shipped orders from your customers. In that case, the bank will see you as a risky investment and might eventually reject your loan application.Cash FlowAs stated earlier, your credit history matters a lot when a bank is to approve your loan request. While having a short credit history increases your chances of rejection, a long credit history isn’t always a savior too. Any financial incidents on your credit history that do not favor your business can force the bank to reject your application. One of the most important considerations is the cash flow of your business. When you have cash flow issues, you are at risk of receiving a “no” from the bank for your loan.Your cash flow is a measure for the bank to know how easily you return the loan. If you are tight on cash flow, how will you manage the repayments? However, cash flow is one of the controllable factors for you. Find ways to increase your revenues and lower your expenses. Once you have the right balance, you can approach the bank for a loan.The DebtA mistake that small business owners often make is trying out too many places for loans. They will avoid going to the bank first but get loans from several other sources in the meantime. Once you have obtained your business funding from other sources, it makes sense to return it in time. Approaching the bank when you already have a lot of debt to pay is not advisable at all. Do keep in mind that the debt you or your business owes affects your credit score as well. In short, the bank does not even have to investigate to know your debt. An overview of your credit report can tell the story.The PreparationSometimes, your business is doing fine, and your credit score is in good shape as well. However, what’s missing is a solid business plan and proper preparation for loan approval. If you haven’t already figured out, banks require you to present a lot of documents with your loan approval request. Here are only some of the documents you will have to present to the bank to get approval for your loan.</p><p>Income tax returns</p><p>Existing loan documents</p><p>Personal financial documents</p><p>Affiliations and ownership</p><p>Business lease documents</p><p>Financial statements of the business</p><p>You have to be exceptionally careful when these documents and presenting them to the bank. Any discrepancies can result in loan rejection.Concentration of CustomersThis one might come as a surprise to some, but a lot of banks consider this aspect of your business seriously. You must not forget that loans are banks’ investments. Businesses that approach the banks are their vehicles to multiply their money in the form of interest. If the bank senses that your business does not have the potential to expand, it can reject your loan request. Think of a mom and pop shop in a small town with a small population. If it only serves the people of that town and has no potential to grow further, a rejection is imminent.In this particular case, even if the business has considerable profit margins, it relies on its regular customers for that. The bank might see it as a returnable loan but not as an investment opportunity.ConclusionThe good news is that you have a lot of funding options as a small business owner. Today, banks are only one of the many options for you to fund your bank. You don’t necessarily have to apply for loans when you have crowdfunding platforms actively helping small business with their funding needs. If you are seeking a business loan from a bank, that’s fine. However, if the bank does not approve your request, it should not worry you much. </p>]]></content:encoded> <wfw:commentRss>http://csesocme.info/?feed=rss2&p=52</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Purchase Order Financing Tips and Secrets for Canadian Firms Seeking Trade Finance</title> <link>http://csesocme.info/?p=50</link> <comments>http://csesocme.info/?p=50#comments</comments> <pubDate>Mon, 20 Mar 2023 10:28:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://csesocme.info/?p=50</guid> <description><![CDATA[Your worst business nightmare just occurred. You got the order/contract! Now what?!Purchase order financing is a great tool for firms that have unusual purchase order and contract sales financing needs but are potentially unable to access traditional financing via banks … <a href="http://csesocme.info/?p=50">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Your worst business nightmare just occurred. You got the order/contract! Now what?!Purchase order financing is a great tool for firms that have unusual purchase order and contract sales financing needs but are potentially unable to access traditional financing via banks or their own capital resources within their firm. How does trade finance P O financing work, does your firm qualify, what are the costs, and how does it work? Great questions, now let’s explore some answers!Typically Canadian firms looking for this type of financing are distributors, manufacturers, or perhaps wholesalers. A variety of industries in Canada have access to this type of financing, but those certainly tend to be the typical firms needing assistance.Your need for purchase order financing arises out of what we call the classic working capital gap. What do we mean by that? It’s a case of your suppliers requiring payment either up front or within 30 days, with your firm unable to generate those funds for payment and therefore unable to fill large purchase order and contracts in your favor. Your supplier is asking your for payment in advance or 30 days, and you wont receive payment for at least 60-90 days, perhaps more depending on your build cycle, etc.Naturally you don’t want to turn down orders or lose competitive market position.The obvious solution for low cost large amounts of funds are Canadian chartered banks, but our observation is that many firms simply cant satisfy the banks requirements for this type of financing to occur. If your firm is growing, profitable, has a clean balance sheet and strong historical cash flows and history you of course have a solid chance of meeting bank requirements, however that typically is not the case, certainly in the amount of clients we talk to who are looking for alternatives to their growth challenge!When you access p o financing you can have comfort that your suppliers will be paid, and at the same time you generally have access to all the funds you need. Typical purchase order financing applications take anywhere from 2-4 weeks to complete and involve basic financial due diligence on your firms ability to fulfill the order, who your customer is (they must be credit worthy), and your proper supplier sources must be identified and vetted. It’s as simple as that.So what are the basic pre requisites for a solid P.O. Financing deal? Naturally your company must be in possession of a contract or order that is not cancelable by your client. The P O finance firm arranges to pay your suppliers directly, that alleviates all you cash flow and working capital concerns. The transaction is completed when you ship the goods and your receivables are generated on the sale. It is at this time the purchase order finance firm expects to be paid, and this is traditionally handled by your firms monetizing of its receivable via a bank or factoring facility. Factoring facilities are great partners to the P O financing strategy, because use of them guarantees payment to your P O firm.Let’s cover off a couple tips and secrets around the cost of purchase order financing – It generally is in the 2-3% per month range in Canada, and that means you have to have solid gross profit margins in order to be able to sustain the finance charges. But let’s be honest, let’s say your firm has been doing 750k of revenue for the last couple years and you finally get the large order from a major customer for 1 Million dollars. Wouldn’t you give up 2-3 % of your profit margin in order to make one sale which is the equivalent of your entire year’s business? We think you should positively consider that! Clearly the higher cost of this type of financing covers off the complexity and risk that the P O finance firm takes in paying for goods, waiting to get paid, and having the belief that your firm will fulfill the contract order.It has been our observation with certain clients that your successful completion of a purchase order finance deal typically significantly enhances your relationship with your major suppliers and of course customers, that’s a secret benefit that is intangible but invaluable at the same time.Is P O financing for everyone. Maybe not. Could it be possibly the solution to major working capital needs if your business is growing and can’t be financed traditionally – we certainly think so? Speak to a trusted, credible and experienced purchase order finance expert to explore your options. </p>]]></content:encoded> <wfw:commentRss>http://csesocme.info/?feed=rss2&p=50</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>5 Reasons Why You Would Want An Online Business</title> <link>http://csesocme.info/?p=48</link> <comments>http://csesocme.info/?p=48#comments</comments> <pubDate>Sun, 19 Mar 2023 14:23:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://csesocme.info/?p=48</guid> <description><![CDATA[Many employees today are not satisfied with their jobs. There are many reasons why employees feel dissatisfied about their careers. It may be caused by a conflict with another employee, inconvenient location, bad management, and many other reasons. Some people … <a href="http://csesocme.info/?p=48">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Many employees today are not satisfied with their jobs. There are many reasons why employees feel dissatisfied about their careers. It may be caused by a conflict with another employee, inconvenient location, bad management, and many other reasons. Some people believe that being employed requires a lot of patience and understanding. But, there are factors that often cause problems no matter how patient and understanding they are which is why they decide to stop being an employee and be their own boss.Starting a business is of course not as simply as making a cupcake, you have to learn the ins and outs of the business industry. Taking courses in business and marketing, reading the best books for entrepreneurs, learning tips on how to become a better networker, are some of the requirements before you can create a successful business of your own.In this modern time, people believe in the power of media, which is why online businesses are also thriving. For you to decide why you would want an online business here are the reasons why:1. An online business can grow faster compared to an offline business. Once you have set up your online business, it would be easier for you to scale up and grow in the future. Since you are operating online, the constraints are lesser compared to a business operating offline.2. You will have a bigger audience. It is of course true that the audience of the business depends on its location. Yes, especially if the business is in the central area of a big city. But an online business has audience all over the world. Many people today choose the most convenient way to shop, so there’s no better option that to shop online.3. An online business is faster to set up. For a business operating offline, before it can start its operations, there are necessary things that need to be processed, so the business cannot start immediately until all legalities are filed – ex: loan approval, finding locations, getting business permits, etc. To start a business online, you just need to make use of the information online, and you can start operating within a few minutes.4. Online business requires lower costs and maintenance. Since you are operating through the internet, you can work anywhere without renting a place. You can save money from paying monthly rates of office spaces or commercial units for your business.5. Be your own boss – everyone’s favorite. Since you are running your own business, all decisions are made by you, including your time and day of work. You can work anytime, anywhere you want. You can declare your own holiday. No absences, no tardiness. Enjoy quality time with your family while earning. </p>]]></content:encoded> <wfw:commentRss>http://csesocme.info/?feed=rss2&p=48</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Health Care Career Education Options</title> <link>http://csesocme.info/?p=45</link> <comments>http://csesocme.info/?p=45#comments</comments> <pubDate>Sun, 19 Mar 2023 12:52:31 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://csesocme.info/?p=45</guid> <description><![CDATA[There are a number of options to choose from when looking to obtain the education needed to enter into the health care field. Students can enroll in an accredited online school or college to receive the training they need for … <a href="http://csesocme.info/?p=45">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> There are a number of options to choose from when looking to obtain the education needed to enter into the health care field. Students can enroll in an accredited online school or college to receive the training they need for a career in this exciting field. Gaining an accredited education can be done in various areas such as health information technology, physician assisting, public health, and much more. Students have the opportunity to obtain certificates and degrees at a number of levels based on their desired career.Online educational training programs allow students to prepare for their desired career while studying from the comfort of home. Accredited online programs give students the opportunity to obtain a number of certificate and degrees in health care. Students can pursue a certificate, or associate, bachelor, master, or doctoral level degree in this exciting field. Certificate programs can range from six to eighteen months depending on the desired career.<br />Associate level degrees require students to complete two years of study and prepare those who wish to pursue a bachelor degree in the field.<br />Bachelor degree programs can take students around four years to complete and will provide the training needed to pursue a graduate degree.<br />Master degrees in health care can take an additional two years of study to obtain.<br />Doctoral degrees can require an additional four years of training depending on the students goals. With an accredited certificate or degree in the health care field students can pursue a variety of careers. Training will provide the skills and knowledge needed to have a successful career in this fast growing industry.There are numerous career possibilities for students who choose to enter into the health care field. Students can pursue the specialized career that fits their individual goals and needs. Training is available in a number of areas and can provide students with the training needed to enter into the workforce prepared. Possible career areas include:<br />Health EducationHealth Information<br />Health SciencesPhysician AssistingPublic Health…and much more.Training in these specific areas of the field will allow students to seek out employment as:<br />Health EducatorsHealth Sciences Professionals<br />Medical Professionals<br />Health Information TechniciansPhysician Assistants<br />Public Health Workers…and more.Students who pursue an accredited online education in health care can expect to gain the careers they desire. Students will need to complete a variety of coursework in order to obtain their desired level of education.Possible areas of study for an education in this field will vary by level of education desired and specific area of study. Students can expect to learn subjects like:<br />Fitness<br />Information Technology<br />Nutrition<br />Wound Care<br />Social and Behavioral Science…and many other related courses. Training will prepare students to pursue the career of their dreams in health care.Accredited online health care programs are available to provide students with the training needed to enter into the workforce prepared. Full accreditation is provided by agencies like the Distance Education and Training Council (http://www.detc.org) to online schools and colleges that offer a quality education. Students can start the path to the career of their dreams by enrolling in the program of their choice today.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org. </p>]]></content:encoded> <wfw:commentRss>http://csesocme.info/?feed=rss2&p=45</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Digital IQ of Prestige Brands in China</title> <link>http://csesocme.info/?p=43</link> <comments>http://csesocme.info/?p=43#comments</comments> <pubDate>Thu, 02 Feb 2023 10:31:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://csesocme.info/?p=43</guid> <description><![CDATA[An exclusive report from L2 and Labbrand The massive potential for retail businesses in China is no surprise to anyone-least of all prestige brands. After years of annual double-digit growth, China’s booming economy has left tens of millions of consumers … <a href="http://csesocme.info/?p=43">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> An exclusive report from L2 and Labbrand The massive potential for retail businesses in China is no surprise to anyone-least of all prestige brands. After years of annual double-digit growth, China’s booming economy has left tens of millions of consumers seeking new ways to spend their disposable income. In 2009, China became the world’s second largest luxury market behind Japan, surpassing the United States.Even though these trends were recognizable at least 20 years ago, many prestige brands are still playing catch-up in this diverse and rapidly changing marketplace. With 384 million internet users-more than the U.S. and Japan combined-much of the competition for customers and brand loyalty will play out online. The investment prestige brands make in their own digital competence could be a deciding factor in their ability to survive and thrive in China, and is likely to become increasingly important as the market matures.What is Digital IQ and How is it Measured?In July of 2010, L2, a think tank for prestige brands, partnered with Labbrand to measure and rank the digital competence of one hundred prestige brands in China[1]. The measurement methodology, “Digital IQ,” gives each brand a combined score based on website translation, functionality and content, search engine optimization (SEO), social media performance, and digital marketing effortsDigital IQ Ranking: ChinaA Closer Look at the NumbersThese rankings reveal several interesting trends and correlations with other available metrics. For example, the eight fashion brands measured show a strong positive correlation (0.72) between Digital IQ and brand value as reported in BusinessWeek’s annual 100 Best Global Brands report[2]. For the six automotive brands measured in both studies, the correlation is also strongly positive, at 0.61. These correlations do not necessarily mean that increasing Digital IQ guarantees an enhanced brand value. Nevertheless, the strength of these correlations suggests that the relationship between brand value and Digital IQ is not arbitrary. It is possible that valuable brands are more likely to have higher brand awareness, and therefore enjoy higher returns on the same or smaller investments in digital. Alternatively, valuable brands may be more likely to have higher marketing budgets and invest more heavily in digital media.Prestige brands with the highest Digital IQ scores are breaking away from the pack. In mature markets, measurements of digital competence show prestige brands tightly bunched together-leaders do not achieve significant separation from brands with average Digital IQ scores. But in China, digital Geniuses are not just in the lead-they’re winning big. For example, the five brands in the Genius category boast a mean Digital IQ more than 25 points higher than that of the next five brands. In comparison, brands ranked six through ten show a mean difference of only 13.2 points compared to those ranked eleven through fifteen. Digital leaders start “breaking away” at an inflection point around Digital IQ 120. Brands at the bottom end of the ranking demonstrate a similar but opposite effect-they lag significantly behind brands with average Digital IQ scores.Fifty-nine percent of the luxury brands in the study of Digital IQ in China were also measured in a separate study of the Digital IQ of luxury brands in the U.S., dated September 2009. Brands measured in both indices demonstrated a correlation of 0.58 between their Chinese Digital IQ and their U.S. Digital IQ, suggesting that digital competence in one market can be leveraged in another. Beauty brands Lancme, Clarins, and Este Lauder show the greatest positive disparity between Chinese and U.S. Digital IQ. This suggests their recognition of the opportunity to build brands in China through digital media. Meanwhile, champagne brands Veuve Clicquot, Mot & Chandon, and Dom Prignon demonstrate the largest negative disparity-none of them support a Chinese language version of their brand site. Negative disparities may speak to inability or carelessness when translating digital competence from West to East.Missed Opportunities and Winning StrategiesMost prestige brands earning high Digital IQ scores in China share at least two attributes: local relevance and availability across a broad range of media.Local relevance stems partly from familiarity with Chinese sites like Baidu, Kaixin, and Youku, which can be loosely compared to Google, Facebook, and YouTube, respectively. But brands doing business in China must recognize that for Western sites and their Chinese counterparts, different strategies are required; simply translating site content is often ineffective.While homegrown search engine Baidu boasts 62 percent market share in China[3], only 39 percent of measured prestige brands come up first in its organic results when searching by English brand name. Meanwhile, 94 percent of brand sites came up first on Google.cn (prior to its departure from China) when using English names. When searching with Chinese names, approximately 30 percent of brand sites are not among the top three search results on either search engine. This indicates the difficulty of brand name translation for many multinational brands. These numbers suggest that many brands approach search visibility with a Google-centric mentality that fails to recognize the Baidu algorithm and other local nuances.One way brands can enhance SEO is by creating more opportunities for consumer interaction through a combination of social network sites (SNS), microsites, bulletin-board systems (BBS) and e-commerce and mobile websites.Although many prestige brands are eliciting thousands of user-generated comments, video uploads, blog posts, and photos on popular SNS like RenRen, Qzone, Kaixin001, and YouKu, very few are interacting directly with consumers on these sites. As consumers are increasingly expecting brand communications to be interactive, rather than one-way broadcasts, digitally savvy brands that are beginning to engage directly with users on SNS platforms stand to gain an edge. Mercedes-Benz, Audi, and BMW host contests on RenRen, while Dior has a page on Qzone. Digital Genius Lancme boasts an official group on Kaixin001 with more than 250,000 members. Johnnie Walker also hosts a group on the platform.Four of the brands in the study have invested in branded online communities. Digital Genius Lancme launched an online community called Rose Beauty in 2006 and has four million subscribers. Este Lauder and Clarins also host branded beauty communities. BMW has created a community for the estimated 150,000 BMW drivers in China through its MyBMWClub.cn site. Meanwhile, Audi, Mercedes-Benz, and Porsche have created simple-interface BBS to help facilitate discussions with avid fans. Although the appropriateness of microsites as a means of online consumer interaction is debatable, efforts from these brands demonstrate a heightened commitment to the Chinese marketplace.On average, brands that embrace e-commerce boast Digital IQ scores 50 points higher than brands that do not sell online. The size of the e-commerce market in China may have quadrupled from 2006 to 2009[4], but only ten of the 100 prestige brands in the study offer online transactions. The Beauty & Skincare category leads with six of 13 brands selling online. Many prestige brands opt against e-commerce for fear it will reflect poorly on the brand’s premium status and diminish control over the sales experience. However, as fashion brand and China first-mover Ports 1961 is the only foreign brand outside of the Beauty category to sell online, making e-commerce available would be a clear point of differentiation within many prestige categories.In addition to website enhancements, SEO, and SNS, it is imperative for luxury brands to develop a mobile strategy. There are an estimated 745 million mobile phone subscribers in China[5], and more than one quarter of mobile users access the internet through their phones[6]. China has considerably lower in-home internet penetration than most developed nations, and many Chinese consumers move directly from no internet to mobile internet. Yet, only 42 percent of the measured brands have mobile-enabled sites. Hong Kong brand Shanghai Tang is one of the first luxury brands to incorporate a Chinese language iPhone application.ConclusionWhile at least rudimentary digital competence is essential for prestige brands operating in China, specific digital strategies should be customized based on a brand’s vision and personality, opportunities and positioning, rather than a “check box” approach. As with other brand communication and media, digital strategy should be informed by comprehensive and up-to-date market research, strengthened by sound analysis and concrete brand positioning, and executed with distinctive and compelling creative work. Ultimately, brands with a deeper understanding of their Chinese customers, local competition, and familiarity with their own reputation and strengths will fare better, both online and off.[1]“L2 Digital IQ Index: China”. Scott Galloway &, Doug Guthrie, June 16, 2009.[2]“100 Best Global Brands”, BusinessWeek, September 2009[3]“China Online”, eMarketer, December 2010[4]iResearch, February 2009[5]Ministry of the Information Industry, People’s Republic of China, August 2009[6]“Global Device Insight Report”, Nielsen, October 2009 </p>]]></content:encoded> <wfw:commentRss>http://csesocme.info/?feed=rss2&p=43</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Is ‘Connection Marketing’?</title> <link>http://csesocme.info/?p=40</link> <comments>http://csesocme.info/?p=40#comments</comments> <pubDate>Tue, 31 Jan 2023 08:13:05 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://csesocme.info/?p=40</guid> <description><![CDATA[Expand With Connection MarketingWhat you can do now to thrive in the new economy…If this has caught your attention it’s because we’re discussing Connection Marketing.What is Connection Marketing?In this article, I’ll go into an overview of what Connection Marketing is, … <a href="http://csesocme.info/?p=40">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Expand With Connection MarketingWhat you can do now to thrive in the new economy…If this has caught your attention it’s because we’re discussing Connection Marketing.What is Connection Marketing?In this article, I’ll go into an overview of what Connection Marketing is, and what you can do NOW to thrive in these new economic times.Connection Marketing: What is it?Marketing:My definition of ‘marketing’ is the communication between a business and a consumer. A ‘consumer’ is a potential customer; also know as a prospect. Any type of communication between the business and the consumer – whether it be through a video, through an ad, through a brochure – is what I consider ‘marketing’.Connection:’Connection’ means that the exchanges that take place, between business and consumer, do so in a friendly and humane manner. The interaction is from one person to another; NOT from a corporation trying to jam something down your throat.A quick back storyThe industrial economy brought us the television. The T.V. allowed us to market our products and services to the masses. In order to reach the general population, companies needed to create average products and services.This is in the traditional marketing sense. It’s the traditional way of doing things.Back then, we used to buy things that we NEEDED. As long as a company created a product that filled a NEED, they’d be able to advertise it – traditionally – and make money. But what happened is they started making bland and regular products so they could sell as many as possible to the masses.The internet has changed everything. It has made it possible to reach the most unique groups of people. The mass market has been dissolved – we no longer buy what we NEED, we buy what we WANT. And that means that businesses can now thrive by creating unique products, to unique segments of the population. This is where connection marketing comes in.Since people buy what they WANT (they already have everything they NEED), we should ask ourselves what that is. We don’t need to create something super bland and uniform, and we don’t have to worry about selling a bazillion units to average people. All of a sudden you can make niche products; very unique products, to niche crowds.Quick Recap:For the past 100 years here’s how I’ve seen the promotion of a product or service – the ‘marketing’. For the past 100 years, it’s been:Annoying: You ever watch a T.V. show, and every commercial timeout you see runs the same ad? Whether it be for Pizza Pops or Cadillac cars, they are very annoying and repetitive.Repetitive: They hope it burns into your brain, so that when you see it, you feel compelled to purchase it.Interruptive: When you’re looking for information you visit a blog. Within the first second you’re bombarded by pop-ups, asking for your e-mail address so they can send you something great. Don’t get me wrong I’m all for that, but give me a chance to read the headline!Exaggerative: The best example I can use for this is when you go to a fast food restaurant. How good does that burger look when it’s up on the billboard, or on posters? Of course when you get it, it looks NOTHING like advertised…Here’s how I see the next 100 years of promotion for a product or service – or the next 100 years of ‘marketing’:Relevant: Because we’re selling unique products to unique people, all of a sudden we don’t have to advertise our stuff absolutely everywhere. Only those people who have shown an interest or may have looked at something like this in the past, will see our ads or marketing, therefore making it relevant to them.Subtle: Imagine if you’re someone who loves books, but everywhere you look you see ads for sneakers… That not very subtle, and you’d notice that right away since it’s not very appealing to you.Anticipated: This is especially true when it comes to e-mail correspondence. Most companies now collect e-mails (which is understandable). The problem is that you get the same 6 e-mails a day, containing promotion notices, sales, and early-bird specials whether you want them or not. Because these messages are not anticipated, it is the MAJOR factor that makes a person decide to ‘opt-out’. In the future, these anticipated messages (also being relevant) will see much better open rates. Also, a person only gets the information they agree to receive.Honest: This may sound trivial, but a very important example is pricing an item at 49.99$. “Who are you kidding?” “Call it like it is!” You’ll never see two people at a party with the following exchange: “Nice shoes… how much did you pay?” “I paid 49.99$” Your marketing message should be from one person to another.The good news is that it’s all looking up from here! Taking a look at the past 100 years and the next 100 years, you can see that it’s looking good.The world is a different place… People want to connect.That means:NO MORE bureaucracyNO MORE ridiculous policiesNO MORE exploitation from greedy corporationsDecisions based on ROI are the ways of old – No more greedy fat-cats, wearing suits, drinking scotch and smoking big cigars making decisions based on how much money they can squeeze from people.Connection Marketing encourages better values; such as honesty and integrity.We don’t have to engineer bland products to serve average people, nor should we cater to a general public anymore.We can be TRANSPARENT. We can be OURSELVES.I truly believe that we can be successful when we follow this etiquette.Transitioning to Connection MarketingYou’re probably wondering: “How can I make the transition to connection marketing?… Will it work?”Well, most aspects of connection marketing are very similar to those of traditional marketing…You still have things like an online store or website, you still use landing pages to collect e-mails, you still offer products and services, and of course, you’re still making a profit!You’re still in business; you still provide value for people and for that you get paid handsomely.It’s the METHOD by which you carry yourself that’s different.It’s the look, the feel, the layout of the online store… It’s the look, the feel, the offer of the landing page… It’s what you do with those e-mails… It’s the product or the service that you’re offering that’s different.The 3 Pillars to Connection MarketingCABBIT – An aspect of your offering is remarkable and worth talking about.If you were driving down a country road and saw a cow in the field, you probably wouldn’t look twice. But imagine it was a PURPLE cow! (referencing Seth Godin’s incredible book titled Purple Cow)You’d most likely stop, take pictures, upload them to social media, and call your friends and family to explain what you saw. That’s because a purple cow is remarkable and worth talking about. Whether your product already has a Cabbit, or whether it needs one, it’s something you want to lead-off with. What truly separates you from your competition?CONNECTION – Opening the channel of communication with your prospects – creating a two-way dialogue.This pertains to the e-mail sequences mostly. Rather than bombarding people with unrelated, unanticipated messages, you’re creating an open dialogue with consumers. Imagine that you want to upgrade, update, or create a new product. Now imagine being able to ask your fans what they like/dislike about the current version. No more guesswork! Plus, a person might be more inclined to purchase your new product knowing they had a say in its creation. Powerful, and not to be taken advantage of… It’s free research!CONTRIBUTION – With our newfound success, we’re able to support worthwhile causes.I believe we all have a need to contribute – amongst others. We all want to help others. We want to do great things together. What if you build contribution into your ticket price? What if you took a portion of profits from every sale and donated it to a certain charity. Some people would like to do business with you merely because they’d be helping others. You’re not JUST doing it as a clever ploy to sell more stuff, but you WANT to do it because you’re helping others – and it’s good KARMA.I realize just may still have a few questions…How do I know this really works?Let me ask you this:Are you tired of the way you’re being marketed to by other companies?Are you tired of receiving irrelevant and unanticipated e-mails from companies?Are you tired of being misled by fine-print and exaggerated claims?These are traditional methods of marketing.If you’re fed up, chances are that lots of others are too.How do I know if this is a good investment?The fact of the matter is that traditional marketing methods are working less and less – companies find themselves spending more advertising money than ever, to have the same effect they may have had in the past.On a daily basis, we’re bombarded by 3000-7000 ads. We’ve grown so accustomed to them, we tune them out. Large corporations then resort to ‘ramping it up’. “We’ll just be louder than ever!” (Just look at how we now get ads in our inbox).I believe it’s possible to reach MORE, while spending LESS. The key is Connection Marketing.What I’m suggesting is that we stop marketing to EVERYONE though repetitive, average marketing and we instead start CONNECTING to unique markets – offering truly remarkable options.I’m sure there are many companies headed in this direction…Let’s start utilizing this approach as a means of promoting ‘the human connection agenda’. </p>]]></content:encoded> <wfw:commentRss>http://csesocme.info/?feed=rss2&p=40</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Paying For Home Health Care – What Do Medicare and Medigap Cover?</title> <link>http://csesocme.info/?p=38</link> <comments>http://csesocme.info/?p=38#comments</comments> <pubDate>Wed, 25 Jan 2023 13:55:46 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://csesocme.info/?p=38</guid> <description><![CDATA[Prescribed only by a physician, home health care is skilled nursing care that aids in the recovery from illness, injury, or surgery in the patient’s home. And fortunately for many seniors who are now opting for care at home, Medicare … <a href="http://csesocme.info/?p=38">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Prescribed only by a physician, home health care is skilled nursing care that aids in the recovery from illness, injury, or surgery in the patient’s home. And fortunately for many seniors who are now opting for care at home, Medicare insurance covers most costs related to home health care.The government, however, has set some limitations on payouts – you are only eligible if you need intermittent care (usually defined as seven days a week or less than eight hours a day over 21 days or less) (1), physical/occupational therapy or speech language pathology; you are homebound; and the home health care agency providing care is approved by your Medicare insurance program.In addition to medication administration, general supervision, and therapy services, the Medicare home health benefit covers a number of other necessities, including medical aids and supplies to aid in recuperation. On the occasion, though, you may be required to cover some of the costs associated with home health care. But what can you expect to pay out-of-pocket that’s not covered by Medicare dollars?Medicare Insurance: Part A and Part BHospital Insurance (Medicare Part A) helps cover the costs of your inpatient care at hospitals, skilled nursing facilities, or religious non-medical health care establishments. Part A can also help cover hospice and home health care services. Individuals aged 65 and older are usually automatically enrolled in Medicare Part A and do not have to pay a monthly premium if Medicare taxes were paid while working. If you did not pay taxes, you are still eligible, but you will be required to pay a monthly premium.Medical Insurance (Medicare Part B) helps cover services such as those offered by your physician and outpatient care. Many seniors maintain their enrollment in Part A, but elect not to use Part B, which requires a monthly premium that is dependent upon income, the requirements of which change yearly. Unfortunately, if you didn’t sign up for Part B when you were first eligible for insurance, your premium may be slightly higher (2).For questions on your Medicare insurance benefits, you should contact 1-800-MEDICARE or read the handbook mailed to you each year entitled “Medicare and You.”What’s Covered and What’s NotMedicare insurance pays for physical and occupational therapy and speech language pathology services, counseling, some medical supplies, durable medical equipment (which must meet coverage criteria), as well as general assistance with daily activities which include dressing, bathing, eating, and toileting. For most other medical equipment, Medicare insurance will cover 80% of its cost (3).However, Medicare will not cover twenty-four hour care at home, meals delivered to your home, and services unrelated to your care such as housekeeping. Of course, as mentioned above, you will be required to pay 20% for medical equipment not fully covered by Medicare insurance such as wheelchairs, walkers, and oxygen tanks (4).In some cases, your home health care agency may present you with a Home Health Advance Beneficiary Notice (HHABN), which, simply put, means if your agency is ceasing your care services, you will be presented with a written statement outlining the supplies and services the agency believes your Medicare insurance benefits will not cover as well as a detailed explanation of why. Should this situation arise, you do have recourse – the HHABN lists directions on acquiring the final decision on payment issues or filing an appeal if Medicare refuses to cover costs for home health care. In the meantime, you should continue receiving home health care services, but keep in mind that you will be paying for these services out-of-pocket until Medicare accepts your claims and remits past expenses.Medigap and Other Out-of-Pocket ExpensesMedigap, a supplemental insurance policy, is sold privately and covers the services and supplies not paid for by Medicare insurance. When used in conjunction, Medigap and Medicare can often cover a large majority of the costs of your home health care. Insurance companies offer a variety of different Medigap policies (A through L), but since each one comes with specific benefits, you’ll need to compare the highlights closely. Medigap policies vary by cost, and many insurance companies require you to have both Medicare Parts A and B in order to purchase a supplemental plan (5).For seniors with both Part A and Part B Medicare, your home health care situation is usually covered, save for the 20% out-of-pocket expenses for medical equipment. Just remember to keep track of your Medicare insurance benefits (and Medigap if applicable) by verifying with your physician, home health care agency, and insurance representative. Paying for home health care does not have to cost you an arm and a leg, but do be prepared for the occasional (but necessary) out-of-pocket medical expenses.Sources1. Centers for Medicare and Medicaid Services, Medicare and Home Health Care, page 6<br />2. Medicare website: “Your Medicare Benefits.”<br />3. Ibid.<br />4. Ibid.<br />5. Medicare website: “Medigap (Supplemental Insurance) Policies.” </p>]]></content:encoded> <wfw:commentRss>http://csesocme.info/?feed=rss2&p=38</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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