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<title>Banks Have a Lot of Reasons to Reject Your Small Business Loan</title>
<link>https://svsnsms.info/banks-have-a-lot-of-reasons-to-reject-your-small-business-loan,html</link>
<comments>https://svsnsms.info/banks-have-a-lot-of-reasons-to-reject-your-small-business-loan,html#comments</comments>
<pubDate>Thu, 30 Mar 2023 14:29:16 +0000</pubDate>
<dc:creator>admin</dc:creator>
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<category><![CDATA[business]]></category>
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<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 seem to be one of their options on most occasions. What these owners might not [...]]]></description>
<content:encoded><![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 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.
Income tax returns
Existing loan documents
Personal financial documents
Affiliations and ownership
Business lease documents
Financial statements of the business
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.
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<title>SEO Quotes From Specialists in Search Marketing</title>
<link>https://svsnsms.info/seo-quotes-from-specialists-in-search-marketing,html</link>
<comments>https://svsnsms.info/seo-quotes-from-specialists-in-search-marketing,html#comments</comments>
<pubDate>Thu, 30 Mar 2023 11:55:26 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://svsnsms.info/?p=60</guid>
<description><![CDATA[Not all information found online is created equal and it’s easy to get pushed and pulled in the wrong direction. To help you cut through all the clutter, I scoured the internet and found the top 10 timeless SEO quotes to guide your strategy. Even if Google unleashes an update tomorrow, these quotes will still [...]]]></description>
<content:encoded><![CDATA[ Not all information found online is created equal and it’s easy to get pushed and pulled in the wrong direction. To help you cut through all the clutter, I scoured the internet and found the top 10 timeless SEO quotes to guide your strategy. Even if Google unleashes an update tomorrow, these quotes will still hold true.One of the best things about the internet is instant access to just about any information you need. When researching search engine optimization (SEO), this is especially true.Enjoy!Using SEO tricks or hacks is like trying to beat the house in Vegas. Sure, you might get a couple of quick wins, but in the long run you’re bound to lose because “the house always wins.”In other words, SEO is an asset. It’s like buying real estate and investing to remodel your kitchen and bath. That work will increase the value of your home so that you can sell it in the future for a profit.Good SEO work only gets better over time.– Jill Whalen (@jillwhalen), WhatDidYouDoWithJill.com– Dave Naylor (@DaveNaylor), Bronco.co.UK Managing DirectorYou’re ignoring the most important part of SEO– your customers when you design your website for Google’s search engine spider. At the end of the day, ranking # 1 in Google is completely worthless if your website is not designed properly to convert that traffic into sales and leads!The goal of SEO is not to rank # 1. The goal is to generate leads and sales for your business.”My rule of thumb is build a site for a user, not a spider.”Even if you’re using other tactics like Radio, tv, and print, you still need an SEO strategy to ensure you’re not losing customers when they turn to the internet to do more research.”On a broad scale, I see SEO becoming a normalized marketing tactic, the same way Print, radio, and tv are traditionally thought of as marketing tactics.”– Duane Forrester, Senior Product Manager, BingIf your prospective customers are searching in Google, Bing, and Yahoo to find your products or services, you need an SEO strategy. More and more people are using multiple channels to research products and services and search engines are often part of the mix.This is one of my favorite SEO quotes because it’s so simple, yet so true. Google’s mission is to organize all the information online and present it so that the “best” is at the top of the search results.”Google only loves you when everyone else loves you first.”– Wendy PiersallHow does Google determine what is “best”?Google’s algorithm takes into account many factors, but one of the most important signals is the number of websites that reference, or link, to the information. Each link is like a vote in that website’s favor telling Google that it deserves to rank high in the search results.One of the big misconceptions about SEO is that it’s all about tricking Google to get your website to rank high.With that in mind, the goal of SEO is to make it as easy as possible for Google to find your website (by using proper HTML code, writing relevant copy, designing for ease of use, optimizing page load speed) and then to give Google a reason to rank your website higher than all the other relevant websites (by publishing better and more robust information, getting more links, more online PR).Again, it’s important to consider Google’s mission. They want to organize all the information online and present it to the searcher so that only the best websites are at the top of the results page.Successful SEO is not about tricking Google.– Phil Frost, Main Street ROIAgain, the goal of SEO is not to rank # 1, it’s to generate sales and leads.”Today it’s not about ‘get the traffic’– it’s about ‘get the targeted and relevant traffic.”– Adam Audette, Chief Knowledge Officer, RKGThat means your SEO strategy starts with finding the right keywords that will ultimately drive conversions for your business. Use Google’s Keywords Planner Tool to search for relevant keywords. Take it one step further to organize all the keywords you find into two categories:buying-intentresearch-intentAs you can probably guess, the buying-intent keywords are the ones where the person searching is most likely looking to make a purchase. The research-intent keywords are the ones where the searcher is most likely just doing research.Focus your SEO efforts on the buying-intent keywords first to give you the best chance to drive sales and leads.The sad truth with SEO is that most people will not find your website unless you’re on the first search results page. Keep in mind there are only 10 spots available and likely tens of thousands or even tens of millions of other websites vying for those coveted spots.Think about how hard it is to double the amount of visitors to your website. You’ll have to invest more in SEO, advertising, social media, email marketing, and/or another marketing tactic to drive more website traffic.Now consider the fact that you would get the same impact on your business if instead, you focused on doubling your website conversion rates.”The best place to hide a dead body is the second page of Google search.”– Anonymous.I’ll admit, I “LOL ‘d” when I first read this quote.”It’s much easier to double your business by doubling your conversion rate than by doubling your traffic.”– Jeff EisenbergIn the past, publishing more and more content was a great tactic to expand the reach of your SEO. As you publish more articles about different topics, your website has more opportunities to rank in Google.”Better content is outweighing more content.”– Rand Fishkin.Due to Google’s recent algorithm updates, quality outweighs quantity. Always keep this in mind and resist the urge to cut corners on quality in an attempt to publish webpages faster.Present a stronger, more compelling offer.Change the layout of your pages so that your offer is more easy to see.Offer free information in exchange for an email address so you can follow up and convert over a longer time frame.Use retargeting ads to bring prospects (that didn’t convert) back to your website.Add a lightbox popup so your offer can’t be missed.Many businesses took that tactic to the extreme and started to publish low quality articles in an attempt to scale up article production at lower costs.(Traffic to your website) x (Conversion rate) = (leads or sales).How can you double your conversion rate? Try some of the following ideas:.”What gets measured gets improved.”– Peter Drucker.This quote highlights a recent shift in SEO.Many businesses ignore this simple truth.Your conversion rate is the number of sales or leads you generate from your website divided by the total number of visitors. As you can see from that equation, you can either double your traffic or double your conversion rate and the result will be the same.It’s simple math…Peter Drucker was not specifically talking about SEO in this quote, but it’s an important point that deserves to make this list.What needs to be measured in SEO?This may come as a surprise, but tracking your rankings alone is worthless! Your rankings should of course be measured, but they tell an incomplete story.Good SEO work only gets better over time. Successful SEO is not about tricking Google. Good SEO work only gets better over time. Successful SEO is not about tricking Google. That means your SEO strategy starts with finding the right keywords that will ultimately drive conversions for your business.Good SEO work only gets better over time. Successful SEO is not about tricking Google.Even more important than your rankings is your website traffic from SEO and your website conversions from SEO.
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<title>Free Internet Marketing Advice</title>
<link>https://svsnsms.info/free-internet-marketing-advice,html</link>
<comments>https://svsnsms.info/free-internet-marketing-advice,html#comments</comments>
<pubDate>Wed, 29 Mar 2023 17:37:14 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Internet Marketing]]></category>
<guid isPermaLink="false">http://svsnsms.info/?p=58</guid>
<description><![CDATA[You can find Internet marketing advice in many places but how much of it can you really trust? At best, the average person is likely to be overwhelmed by the sheer volume of Internet marketing advice available. Internet marketing advice is a bit like a roundabout where someone starts to promote a certain aspect of [...]]]></description>
<content:encoded><![CDATA[ You can find Internet marketing advice in many places but how much of it can you really trust? At best, the average person is likely to be overwhelmed by the sheer volume of Internet marketing advice available. Internet marketing advice is a bit like a roundabout where someone starts to promote a certain aspect of it and others get on the bandwagon and regurgitate what was said before them.This is a simple but very effective piece of internet marketing advice for you. Find a person or source of information you trust and stick to it or them like glue!MarketingMarketing is an ongoing process of planning and executing of the marketing mix product, price, place, promotion of products, services or ideas to create exchange between individuals and organizations. Marketing is an ever changing process and advertising is undergoing a revolution with the emergence of a new style of marketing namely the world wide web. Marketing, or any other field for that matter, is knowledge. what better place than right here, where we teach you about the various types of internet marketing businesses, and fill you in on all of the basics of what you need to know to start an internet business.OnlineLearning all this stuff online and acquiring the knowledge I now have, has been both a steep learning curve and extremely expensive process. Quite literally I have been ripped off, let down and burned more times than I care to admit to. However an even more worrying trend since I first started online, is that marketing advice is becoming more and more directed at companies with websites and big budgets as the internet slowly develops into the world’s most dominant marketing tool.Therefore I believe leaving the small person without huge $$$$ budgets to play with, to basically fend for themselves. I genuinely want to try or attempt to fill that void for you with the aid of my articles at your disposal.I have and intend to showcase in the future, online programs designed to take the beginner through all the steps and processes of creating an online business. Providing marketing advice and information services to the small business community to help maximise the effectiveness of online marketing and web promotion. I basically want to pay my dues as I see it and I want to give props and support to all the hard workers out there like “you” that are shaping the way we do business on the Internet.I want to provide you with through my articles,with a complete Internet marketing strategy, how to start an internet business, online e-marketing, and e-marketing strategy, search engine optimization in other words the whole Shebang. All you need to ask yourself in a very honest fashion is, are you ready to start making money online?AffiliateAffiliate marketing is one of the many ways I make money on the Internet. Affiliate marketing is by far, one of the easiest ways to make money online.Also affiliate marketing is not hard, although it does take quite a lot of work. It is also a very important point to convey to you that Affiliate marketing is a marathon… not a sprint and does require hard work and determination on your part.SeoSEO is the practice of increasing your rankings in the organic (non-paid) search results of a search engine. SEO is one of the most popular buzz words in Internet marketing but unfortunately most Internet marketers simply do not know enough about SEO to make this strategy work for them. SEO covers the process of making web pages spider friendly (so search engines can read them) and helping web pages be relevant for targeted keywords. SEO is the process of optimizing web pages for keywords and key phrases so that the pages rank highly in search engine results.That said there is also a good amount of free bad information all over the net (especially in forums) about SEO, affiliate marketing, etc. It is exceptionally hard for me to just keep up with the topic of SEO so for a beginner it is nigh on impossible. I’m just about to write an article about some free quality SEO e-books I reviewed and during my research there were quite literally tons of worthless e-books full of affiliate links.SEO services can differ hugely and its often hard to compare one company with another. What I found is that a majority of the seo firms out there are way out of my readers budgets.Unfortunately most seo consultant websites either lack actual client case studies or have outdated stories. However a certain amount of seo training is very important for your future success. I again want through my articles to help you learn about seo (search engine optimization), advertising, and email promotion through seo tutorial, articles and tools on how to get traffic to your website.SuccessSuccessful business people are not people who try and do everything themselves, they know their limitations. Successful entrepreneurs know the value of good information; they develop a network of information sources, they recognise a good opportunity when they see it, and they “seize the day”.Unfortunately you can’t put up a website without any knowledge or the correct Internet Marketing tools and then expect to have a successful online business. I constantly look for clues around me, and especially the people who have gone before me, people I admire, or people who I know have had obvious and visible success.Successful marketing is about meeting the needs of your customers – profitably. I firmly believe my articles contain everything you will need to quickly and easily build your online business and be your essential guide to making a success of your own business. These internet business ideas will not turn you into an online success story who makes six figures instantly, but they will help you separate fact from fiction and learn internet marketing. Taking action,hard work and determination are ultimately going to be the keys to your success.SalesThou shall not buy anymore get rich quick products even if the sales copy is pushing all of your hot buttons.Equally on that note it is important to point out to you that nothing happens until the sales copy is written. Fancy graphics alone I promise you will never sell a product, but strong salescopy alone will as I and I’m sure you as well are living proof of. While many people do not like long sales pages, if you artificially cut down the information just to keep it short you are going to find you have more objections dangling than you would like. At the other end of the scale, choice of the right keywords leads to greater sales opportunities and the reaping of boundless rewards.I personally for way to many years, worked in a high pressure sales environment where you had to truly believe in what you were doing to be any good.Well I do truly believe in what I’m doing now and the value it provides to people just like you.Therefore a major tip for you is backing off just a little bit and providing valuable content (that is not provided after a squeeze page) this has provided me with loyal readers and customers and good sales at the end. I am extremely competitive by nature believe me I don’t even like losing at monopoly to my kids . However being top in sales was not I promise you anywhere near as satisfying as getting an unsolicited testimonial from one of my online clients.I have read many, many, many reports on internet marketing and affiliate sales, including some majorly bum ones. Therefore I have endeavoured to build my business on a solid foundation of honesty, integrity and client focus. It goes without saying that regardless of how excellent your product is, it won’t make any sales if there is no trust in you or your company.Every week, I will try to reveal through my articles, an internet marketing tip that will help you find more customers and increase your sales that you can put to use right away. I’m equally confident that I can help you save money and increase your sales. If you are looking to start an online business or maybe you already have an online business, but need the right resources to explode your sales, I believe you will have all information you need in my series of articles.If your site isn’t intended to sell a product or gain a customer, then what is it for? The internet marketing info product world has become a sensationalized, over-hyped, over-priced, landscape filled with predatory practices. Not only that, I and I”m sure you as well, have even bought products we didn’t need, as a direct result of the great copywriting and marketing skills of masters.In the amount of time it was taking me to read blogs, emails, products, listen to teleconferences, and everything else, apart from growing a beard through lack of time to shave. I can now start up and profitably run an entire website. One thing and one thing only I don’t buy nearly as many products. As I don’t read the emails that are sent to the one address I gave up to the spam gods a long time ago.With regard to the above it’s worth pointing out that sometimes the “best” isn’t really what you need there are always better products around by the time you get your hand on a “best product”. So you may not want to subscribe to every list on the planet and you certainly don’t want to buy every product.ContentYou want visitors to find more of your great content, right? To construct a great content-rich website takes like anything else a certain amount of planning.The main essence of search engine marketing is submitting quality content with the website attached with contact information. Hence, in order to get ranking in the search engines, the website needs to optimize their pages with the most appropriate keywords that match their web page content too. This occurs as a result of search engines scanning through webpage content to find relevant information for words typed in during a search.You need to be sure that your landing page is keyword dense and is full of quality content, but I stress to you “do not use duplicate content” on your web pages.You can not only use keywords in your website content, but also in the title tags, meta tags, alt tags of your website in order to boost your website performance. These include back linking with other websites, content submission with link to content sites, press releases, news letters, email marketing, and now a-days also video and SMS marketing are becoming a part of the big game of search engine marketing. Thus, one has to provide more and more content in the website so that it appears higher and higher in the search engines.Of course, there’s the educational content like this one but I’m a sucker for giving out free content.ConclusionSometimes when you’re looking for internet marketing advice it’s hard to sort the good advice out from the bad advice. Some internet marketing advice is the same, many offer services that will provide top 10 results (a promise that I believe can’t be made). Having a way to learn about internet marketing advice is one of the best ways to beat competition in your marketplace.Whether you are a beginner, at an intermediate level, or a professional marketer you will find my articles are filled with all the necessary internet marketing advice to build and promote your business online. I also give Internet marketing advice on how to start and promote a business online, even if you don’t have a product to sell. I Provide real information and advice including internet marketing advice for small businesses and those new to Internet marketing including lots of useful links to many free and useful resources. I set my stall out to Obtain True and actual case studies of home-based entrepreneurs who earn tens of thousands of dollars every month through Internet marketing, so I can provide a rich source of information for you in these articles.Internet Marketing Training and web success I believe go very much hand in hand. My articles are dedicated to providing quality information to help as many people as is possible like you succeed in the field of marketing online. So if you’d like the benefit of unlimited internet marketing advice, including business ideas, website reviews, salescopy advice, traffic secrets, and more all from the same centered source ? Then “you” my friend have landed at the right place.To Your Success As AlwaysDouglas StuartPs Final piece of advice and most valuable tip of the day
“The more people you help succeed the more SUCCESSFUL you will be ” 
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<title>Software As a Service (SaaS) Software on Demand – Using SaaS the Smart Way</title>
<link>https://svsnsms.info/software-as-a-service-saas-software-on-demand-using-saas-the-smart-way,html</link>
<comments>https://svsnsms.info/software-as-a-service-saas-software-on-demand-using-saas-the-smart-way,html#comments</comments>
<pubDate>Wed, 29 Mar 2023 17:07:56 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://svsnsms.info/?p=56</guid>
<description><![CDATA[Software as a Service (SaaS) Today’s business world demands that business owners quickly adapt to a changing environment. Businesses can improve internal operations when they are able to adapt to emerging technologies trends to reduce operational costs and ultimately improve service to clients. Businesses that fail to adapt find that attempting to function using old, [...]]]></description>
<content:encoded><![CDATA[ Software as a Service (SaaS) Today’s business world demands that business owners quickly adapt to a changing environment. Businesses can improve internal operations when they are able to adapt to emerging technologies trends to reduce operational costs and ultimately improve service to clients. Businesses that fail to adapt find that attempting to function using old, supposedly tried-and-true methods and technologies can cost them significant amounts of money.When deployed correctly, Software as a Service (SaaS) can help your business reduce overhead costs associated with managing software installed and maintained on servers and client workstations. Software as a Service, also known as “software on demand” provides for quick deployment for many types of corporations and works particularly well within certain types of business operating models. Evolution of Software as a Service (SaaS)SaaS began with the development of hosted software space that first appeared commercially in 1998. These first-generation SaaS applications were applications that allowed Web-based access to software through a subscription from the SaaS vendor as opposed to traditional application licensing for software purchased “off-the-shelf.”The licensing model encourages software vendors to restrict the use of their applications by objectively defining how and when the application software can be used. The EULAs (End-User License Agreements) define precisely how an application can be used.With SaaS, conventional CD software installation onto a workstation is completely done away with, and customers are granted full access to the application from their desktop PC. The PC essentially becomes a “thin client” when using SaaS; virtually all access functions are executed on the vendor’s server in a remote data center. Basically, the desktop PC becomes a client and the vendor serves up the application(s) on demand; hence, SaaS is basically software on demand.At first, only certain companies were eager to adapt to SaaS. However, this group of companies made waves in their respective industries by becoming operationally effective when using SaaS. Today, more often than not, software is developed using the SaaS model because this delivery mechanism is a good fit for certain business operating models.SaaS is rapidly becoming a preferred delivery vehicle for corporations around the world. In certain instances, business owners are particularly happy with the total cost-of-ownership savings of the SaaS solution compared to that of buying software through conventional reseller channels. With the only financial responsibility in the form of a recurring subscription fee, costs are constant and predictable with SaaS. As many business owners know, this is not the case with perpetually licensed out-of-the-box software. By the third year of ownership of licensed software, total cost of ownership increases because many vendors are pushing for new hardware equipment and other upgrades to your IT infrastructure.Software as a Service (SaaS) Defined SaaS is just what the term implies: Software is supplied as a service by the software vendor. The application resides off-site at the vendor’s datacenter where the vendor is responsible for maintaining the data, servers and all other related hardware. Access to the remotely located application is granted by a subscription that allows end users to utilize the software. Users run the SaaS application over the Internet.Vendors are able to maintain an application that works for multiple clients without considerable customization or integration issues. With traditional enterprise-level applications, this is not the case where many costs are generated customizing an application for a particular company. With SaaS, those costs are eliminated and the vendor has a single, easy-to-maintain application for multiple clients. Upgrades are a snap as is releasing new versions. When the vendor needs to upgrade its application or release a new version, it simply installs it in their data center, and all customers are instantly upgraded simultaneously the next time the application is accessed.In most cases the software must be configured in an environment by where customers are able to access multiple applications simultaneously. SaaS is also known as a “one size fits all” kind of solution. By maintaining the hardware, vendors assume much of the operational IT costs associated with maintaining the software and servers that run the application(s). Transitioning to SaaS at your company could save your organization a lot of money by shifting these operational costs over to the SaaS vendor. Doing so eliminates the number of IT hours necessary to maintain the software running in-house on workstations, plus it reduces hardware costs for additional servers and other related equipment.Shifting these responsibilities to the software vendor changes the customer-vendor relationship. Obviously, firms able to take advantage of SaaS are able to dramatically reduce operational costs and enable IT staff to focus on higher-order tasks within their organization. The SaaS platform also differs radically from traditional licensing methods in how the software is paid for. Gone are the large upfront costs with various consultancy fees and maintenance costs associated with adapting a new application company-wide. Instead, customers pay a subscription fee that may occur on a monthly or annual basis.SaaS software vendors make the trade-off for the upfront fees for a predictable, steady cash flow from a service-based relationship with the customer. Keeping the customer relationship intact is essential for the SaaS provider to maintain these revenue streams and to keep them flowing. It is this need that drives the SaaS vendor to provide a quality service in their application, along with quality customer service when needed.Oftentimes, it is the latter quality that many traditionally licensed software platforms are lacking. Regrettably, with certain SaaS vendors some of these companies are all about the customer up front when the application is initially being deployed only to essentially “forget” about the customer when it is time to provide some additional support. Obviously, forgetting about the customer is not in the SaaS vendor’s best interest.It should also be noted certain enterprise software vendors often claim disinterest in developing SaaS applications, claiming SaaS is not able to provide the same level of sophistication inherent in their offerings. These vendors are underestimating the pervasiveness and agility of today’s SaaS offerings. Considering that enterprise software vendors generate significant revenues from upfront costs, the reasoning behind the expressed dissatisfaction becomes even clearer.For small business owners, an enterprise software vendor may not be a viable option. For some vendors, it’s simply not cost effective for large enterprise-centric SaaS vendors to support businesses with fewer than 10 end users. With the SaaS application offering, the level of customer service remains the same no matter how many users need access.Benefits of SaaS Savings generated by the relocation of an application from the customer’s location to the vendor’s data center are easily observable in terms of reduced IT staff hours or employees and the associated hardware needs. Other generated savings and benefits of SaaS are not so easily observable, are subtle in nature and can be far-reaching in their effectiveness.These benefits are worth mentioning: o Delivery of standardized software applications across departments, business units and the entire corporation. o Improved security and access to digital documents in-house and outside of the office via the Internet. o Comprehensive training supplied from the same SaaS vendors with a new subscription. o Ongoing customer support from the SaaS vendor continued throughout the term of the contract. o Reduced risk as opposed to retail-boxed licensed software. The software is always accessible, and you don’t sacrifice productivity time should a workstation have to be rebuilt and you have to reinstall software.Anytime a business can embrace an improved operational process, cost savings are realized. Standards applied across the business environment reduce or remove variations in work performance. These variations occur when different employees, perhaps located at different work sites or even different departments within the same building, alter their work process when completing similar tasks. Defining standards helps your business succeed in the most cost-effective manner possible. Under certain operating models, SaaS improves these standards by requiring virtually all employees to access the same version of software. The centralized application provides an access medium employees use to run the software at the office or remotely.Access to files at the vendor’s data center (or in some cases a local workstation) is enhanced through SaaS. Centralized access using high-speed Internet connections improves the likelihood that documents will be easy to find. Security can also be improved by locating the documents off-site. Located on the vendor’s data center, your business documents are now maintained within the vendor’s security standards. Quality SaaS vendors usually have very high levels of security. Oftentimes, they use encryption to protect documents as the documents pass to and from the data center back the user.Note: Be sure to review the SaaS vendor’s security policy before signing any contract.Training supplied by the vendor at the time a subscription is purchased is another potential benefit of using SaaS. Reputable vendors provide training – after all, it is in their best interest to train customers to keep that constant revenue stream flowing. Customers will use the software if they know how to use it, and they are able to get what they need out of the application(s).SaaS training can be tailored to your company’s specific needs. Extensive guides are both informative and easy to understand, and interactive help is readily available. Free trial periods are also common with SaaS vendors. During the free trial period, which usually lasts a few weeks or even a month or more, some vendors will take the time to train you on the software in order to acquire you as a client. In a service-based relationship established by virtue of the SaaS subscription, customer support continues for as long as the subscription remains current. This is also essential for the vendor to continue the relationship. Remember, a SaaS vendor wants to keep you happy, and they know that quality customer service goes a long way to retain clients.SaaS presents far less risks for customers than many traditional licensing models. SaaS vendors reduce the software transaction with the customer down to granting access with a subscription payment. For the customer, should the application not perform as expected, the loss is only limited to the price of the subscription. This is not the case with certain traditional software licensing models, where the total cost of the software is a loss should the application not live up to expectations. Also present within a SaaS licensing model: You’re encouraged to consider purchasing more licenses than you need initially or else risk violating the defined EULA. The SaaS vendor isn’t concerned with disk copying or reverse engineering of their product. All code is kept on-site, safely where it can’t be shared unless access is granted.SaaS service agreement terms are pretty much cut and dry, and should be displayed on the vendor’s Web site. These terms should be read and thoroughly understood. The vendor can easily terminate the customer relationship if a violation occurs by simply refusing access to the application. Before any company jumps into adapting SaaS, it is important to note what specific types of organizations are structured to benefit the most from SaaS. The fact is, there are specific types of companies that should not adopt SaaS. The best companies suited for SaaS are ones that have a unified operating model.If your business is considering the move to SaaS from conventional software, it’s important that you ask yourself these five questions: o How will SaaS support our business better than traditional software licensing? o What is the total cost-of-ownership comparison between a three-year SaaS subscription with bundled services and purchasing software the conventional way? o Are there any special considerations for the SaaS software that would require modifications to your current systems or network infrastructure? o How would your end users’ experience change with the SaaS model compared to conventional software? o What time frame is needed to introduce the SaaS application compared to that of conventional software?The Unified Business Operating Model It’s been my firsthand experience that the unified operating model is usually the best fit for SaaS. For businesses that fall under this category, leveraging SaaS can significantly reduce deployment and maintenance costs.Obviously, not all companies operate under this business model. What the unified operating model has that other types of operation don’t is that many applications are accessed through a centralized location. Businesses lacking this centralization may find it difficult to convert to SaaS. Centralized management is also important to the unified operating model as are standardized business units. Companies operating with heterogeneous business units, each with its own localized management and different business processes would also have some obstacles to overcome when transitioning to SaaS.Transformation into a unified operating model is not impossible. Many businesses strive toward unification by centralizing operations that streamline business processes and ultimately improve customer relationships while reducing operational costs simultaneously. Unified business operating models have transformed many companies operating under antiquated business models that simply don’t work as well in today’s business world. In the past, many companies diversified into new business sectors and developed individual business units that operated separately from other business units owned by the same company.The Internet revolution forced many companies to once again centralize business operations to facilitate communications and decision-making for the corporation operating on a global scale. Some companies not able to centralize all their business units spun them off into new, separate companies or sold them off to competitors. Even today, these actions continue. The unified business operating model is not limited to large, global operations. Businesses just starting can quickly establish themselves using this model. Choosing SaaS for application-supported business processes can help your new business venture during its initial start-up. Established small and medium businesses (SMBs) may also be operating in a unified manner.Risks of SaaS It should be noted that SaaS isn’t for every company. While the unified business operating model presents the ideal model to take advantage of SaaS, there are other situations where the solution should not be implemented. Business-critical processes should not necessarily depend upon SaaS. It’s important at the beginning to consider the ramifications of choosing SaaS before actually purchasing it. Risk analysis should be thoroughly conducted just as with any other new software platform under consideration. Businesses must consider how essential the SaaS functions are by considering how they would operate should the SaaS vendor to go offline. It’s imperative that when evaluating an SaaS vendor, your company examines the vendor’s track record of uptime availability.Do the following: Find other businesses that have adopted the platform and talk to them about their experiences with the vendors you’re considering.Also, SaaS service agreements must be carefully read and understood for all the limitations implied by the agreement. Specifically, it is the payment that is due on time for the subscription to continue. Arrangements must be made ahead of time if, perhaps, your business chooses to have fewer licenses over the next billing period to guard against the vendor expecting more payment for the recurring subscription.Companies with high-value digital assets probably shouldn’t consider SaaS. While performing data functions and storing information on the remote data center may enhance the data integrity of most businesses, this is not always the case with every operation. The customer in the SaaS vendor relationship must consider the promises the vendor agrees to as to how data is stored and maintained no matter what new applications are introduced as the relationship progresses.Here are some important recommendations to consider with SaaS:o Know what business operating models benefit most from SaaS and seriously, think through whether or not your company will benefit from SaaS.o Understand how SaaS impacts cross-functional teams and multiple business units.o Correlate total cost of ownership of SaaS compared to conventional software licensing models.o Get the entire service agreement in writing from the SaaS vendor prior to purchasing the service.o Should a pilot program be implemented, set up an online forum using widely available, free software to allow end users a means to provide feedback on the application’s performance.Finally, SaaS is a relatively new phenomenon that is rapidly becoming a foreseeable choice for certain large and small businesses. Companies ideally structured to take advantage of SaaS are rapidly signing up and in many instances, reducing their overall operating costs.Of course, considerations must be made when making a change from traditionally licensed software. The fact is, not all businesses are ideally suited for SaaS.However, it is certain SaaS is here to stay and will continue to grow in popularity as a preferred delivery method of software applications.Michael G. Perry has more than 20 years’ professional experience in management, IT consulting and writing technical documentation related to business process, policies and procedures.To learn more visit http://sisnv.net/ to email Michael directly. Disclaimer/Release of Liability Statement:Regarding knowledge shared in this article, Michael G. Perry will not be held responsible for any consequential damages resulting from the application of content or recommendations.Copyright © 2008 Coprofit, All rights reserved.Reproduction prohibited without prior written consent. http://www.copyscape.com enforced.
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<title>Trading Psychology: Mistakes in a Trading Environment</title>
<link>https://svsnsms.info/trading-psychology-mistakes-in-a-trading-environment,html</link>
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<pubDate>Wed, 29 Mar 2023 15:37:10 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[When it comes to trading, one of the most neglected subjects are those dealing with trading psychology. Most traders spend days, months and even years trying to find the right system. But having a system is just part of the game. Don’t get us wrong, it is very important to have a system that perfectly [...]]]></description>
<content:encoded><![CDATA[ When it comes to trading, one of the most neglected subjects are those dealing with trading psychology. Most traders spend days, months and even years trying to find the right system. But having a system is just part of the game. Don’t get us wrong, it is very important to have a system that perfectly suits the trader, but it is as important as having a money management plan, or to understand all psychology barriers that may affect the trader decisions and other issues.Most Forex trading courses and Forex training programs forget about these important aspects of trading. But the truth is that in order to succeed in this business, there must be a complete equilibrium between all important aspects of trading.In the trading environment, when you lose a trade, what is the first idea that pops up in your mind? It would probably be, “There must be something wrong with my system”, or “I knew it, I shouldn’t have taken this trade” (even when your system signaled it). But sometimes we need to dig a little deeper in order to see the nature of our mistake, and then work on it accordingly.When it comes to trading the Forex market as well as other markets, only 5% of traders achieve the ultimate goal: to be consistent in profits. What is interesting though is that there is just a tiny difference between this 5% of traders and the rest of them. The top 5% grow from mistakes; mistakes are a learning experience, they learn an invaluable lesson on every single mistake made. Deep in their minds, a mistake is one more chance to try it harder and do it better the next time, because they know they might not get a chance the next time. And at the end, this tiny difference becomes THE big difference.Mistakes in the trading environmentMost of us relate a trading mistake to the outcome (in terms of money) of any given trade. The truth is, a mistake has nothing to do with it, mistakes are made when certain guidelines are not followed. When the rules you trade by are violated. Take for instance the following scenarios:First scenario: The system signals a trade.1. Signal taken and trade turns out to be a profitable trade.
Outcome of the trade: Positive, made money. 
Experience gained: Its good to follow the system, if I do this consistently the odds will turn in my favor. Confidence is gained in both the trader and the system. 
Mistake made: None.2. Signal taken and trade turns out to be a losing trade. 
Outcome of the trade: Negative, lost money. 
Experience gained: It is impossible to win every single trade, a losing trade is just part of the business; our raw material, we know we can’t get them all right. Even with this lost trade, the trader is proud about himself for following the system. Confidence in the trader is gained. 
Mistake made: None.3. Signal not taken and trade turns out to be a profitable trade. 
Outcome of the trade: Neutral. 
Experience gained: Frustration, the trader always seems to get in trades that turned out to be losing trades and let the profitable trades go away. Confidence is lost in the trader self. 
Mistake made: Not taking a trade when the system signaled it.4. Signal not taken and trade turns out to be a losing trade. 
Outcome of the trade: Neutral. 
Experience gained: The trader will start to think “hey, I’m better than my system”. Even if the trader doesn’t think on it consciously, the trader will rationalize on every signal given by the system because deep in his or her mind, his or her “feeling” is more intelligent than the system itself. From this point on, the trader will try to outguess the system. This mistake has catastrophic effects on our confidence to the system. The confidence on the trader turns into overconfidence.
Mistake made: Not taking a trade when system signaled itSecond Scenario: System does not signal a trade.1. No trade is taken 
Outcome of the trade: Neutral 
Experience gained: Good discipline, we only need to take trades when the odds are in our favor, just when the system signals it. Confidence gained in both the trader self and the system. 
Mistake made: None2. A trade is taken, turns out to be a profitable trade. 
Outcome of the trade: Positive, made money. 
Experience gained: This mistake has the most catastrophic effects in the trader self, the system and most importantly in the trader’s trading career. You will start to think you need no system, you know better from them all. From this point on, you will start to trade based on what you think. Confidence in the system is totally lost. Confidence in the trader self turns into overconfidence. 
Mistake made: Take a trade when there was no signal from the system.3. A trade is taken, turned out to be a losing trade. 
Outcome of the trade: negative, lost money. 
Experience gained: The trader will rethink his strategy. The next time, the trader will think it twice before getting in a trade when the system does not signal it. The trader will go “Ok, it is better to get in the market when my system signals it, only those trade have a higher probability of success”. Confidence is gained in the system. 
Mistake made: Take a trade when there was no signal from the systemAs you can see, there is absolutely no correlation between the outcome of the trade and a mistake. The most catastrophic mistake even has a positive trade outcome, made money, but this could be the beginning of the end of the trader’s career. As we have already stated, mistakes must only be related to the violation of rules a trader trades by.All these mistakes were directly related to the signals given by a system, but the same is applied when getting out of a trade. There are also mistakes related to following a trading plan. For example, risking more money on a given trade than the amount the trader should have risked and many more.Most mistakes can be avoided by first having a trading plan. A trading plan includes the system: the criteria we use to get in and out the market, the money management plan: how much we will risk on any given trade, and many other points. Secondly, and most important, we need to have the discipline to follow strictly our plan. We created our plan when no trade was placed on, thus no psychology barriers were up front. So, the only thing we are certain about is that if we follow our plan, the decision taken is on our best interests, and in the long run, these decisions will help us have better results. We don’t have to worry about isolated events, or trades that could had give us better results at first, but then they could have catastrophic results in our trading career.How to deal with mistakesThere are many possible ways to properly manage mistakes. We will suggest the one that works better for us.Step one: Belief change.Every mistake is a learning experience. They all have something valuable to offer. Try to counteract the natural tendency of feeling frustrated and approach mistakes in a positive manner. Instead of yelling to everyone around and feeling disappointed, say to yourself “ok, I did something wrong, what happened? What is it?Step two: Identify the mistake made.Define the mistake, find out what caused the mistake, and try as hard as you can to effectively see the nature of that mistake. Finding the mistake nature will prevent you from making the same mistake again. More than often you will find the answer where you less expected. Take for instance a trader that doesn’t follow the system. The reason behind this could be that the trader is afraid of losing. But then, why is he or she afraid? It could be that the trader is using a system that does not fit him or her, and finds difficult to follow every signal. In this case, as you can see, the nature of the mistake is not in the surface. You need to try as hard as you can to find the real reason of the given mistake.Step three: Measure the consequences of the mistake.List the consequences of making that particular mistake, both good and bad. Good consequences are those that make us better traders after dealing with the mistake. Think on all possible reasons you can learn from what happened. For the same example above, what are the consequences of making that mistake? Well, if you don’t follow the system, you will gradually loose confidence in it, and this at the end will put you into trades you don’t really want to be, and out of trades you should be in.Step four: Take action.Taking proper action is the last and most important step. In order to learn, you need to change your behavior. Make sure that whatever you do, you become “this-mistake-proof”. By taking action we turn every single mistake into a small part of success in our trading career. Continuing with the same example, redefining the system would be the trader’s final step. The trader would put a system that perfectly fits him or her, so the trader doesn’t find any trouble following it in future signals.Understanding the fact that the outcome of any trade has nothing to do with a mistake will open your mind to other possibilities, where you will be able to understand the nature of every mistake made. This at the same time will open the doors for your trading career as you work and take proper action on every mistake made.The process of success is slow, and plenty of times it is attributed to repeated mistakes made and the constant struggle to get past these mistakes, working on them accordingly. How we deal with them will shape our future as a trader, and most importantly as a person.
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<title>21 Top Marketing Mistakes Small Business Owners Make</title>
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<pubDate>Wed, 29 Mar 2023 12:20:39 +0000</pubDate>
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<category><![CDATA[Small Business]]></category>
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<description><![CDATA[The analogy between marketing and a business is similar to the relationship of body and food. Marketing is the heart of the business. Every business is different so each business has to offer marketing and development, which fits each unique business’s need. There are many ways of developing and marketing for any business, but first [...]]]></description>
<content:encoded><![CDATA[ The analogy between marketing and a business is similar to the relationship of body and food. Marketing is the heart of the business. Every business is different so each business has to offer marketing and development, which fits each unique business’s need. There are many ways of developing and marketing for any business, but first let’s find the true concept and definition of marketing.Marketing definition:”Marketing is the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large”.1- Thinking advertising is marketing:The biggest mistake most of the business owners make is to think advertising and spending money is the only marketing way exist. This group only focuses on advertising, which when the desire result is not achieved at the end of the month, they complain of how much money they wasted away. Advertisement is merely one of many ways of marketing.2- You don’t enjoy what you do:As stated above Marketing has many ways and approaches. The main marketing for your business is to love what you do. Nothing is better than your “Love what you do” attitude since it brings out your creativity, shows your talent and tells everyone how devoted you are to your business. Your daily positive attitude defines the successful future of your business. The love of your business construe in your daily interaction with new clients, employee’s moral and making important and effective marketing decisions. To be a good marketer for your business, first rule is your love for what you do.3- Don’t have a good business plan:What is business plan?”A written document describing the nature of the business, the sales and marketing strategy, and the financial background, and containing a projected profit and loss statement”.Having a business plan is like having a map. Many businesses start their business ignoring this very effective tool and get lost in the middle of the road. Every business plan states the exact details of the business’s concept and outlines clearly the marketing strategies, profit and loss, demographic, place of business, finances and targeted niche market. In order to make a solid business plan:A) Know your business inside and outKnowledge of your business is important to know the answer to all the categories of business plan. If you do not know the concept of your product or service, business plan and the pillar of your business does not exist.B) Study, analyze and scrutinizeWhen you know the back and forth of every detail in your business, you can access all the required information needed to project your business in a business plan. In order to access all this information you need to study, analyze and scrutinize every file and information in libraries, city records and valid informative site on the Internet.C) Print it and have it accessibleWhen you put all the info together and created your fully detailed business plan, print a copy and keep a file handy and accessible.Your projected analysis for the business works as a map to your success. Don’t drive to an unknown destination, not having a map on hand.4- Don’t have any plans:Marketing and developing its strategy is vital for every business. Marketing works as fertilizer to boost the lawn of your business. Even more importantly, marketing acts like sun to shed light and direction to your business for finding leads for the potential clients. Marketing is like having your open sign on in the dark street. I think I emphasized enough and you understood how important marketing is for any business, small or large.5- Not analyzing the market for correct pricing.Every business offers products or services. Then producing and providing the products and services involves certain cost and fees. Setting the price according to the market is very important and cause for a major failure for small businesses if done without market awareness. The root and source to find a perfect price is your business plan. It is necessary for every small business owner to investigate:A) The demographic income of the targeted niche and audience:The business plan states the average income of the targeted audience and the niche market. Set prices based on the factual statistic and spending ability of potential clients.B) Market needs and economy balance:An involved business owner is always aware of the market needs and the economy balance. Based on your niche market, be on top of the factors of change in economy that can impact your client’s ability to spend. If you deal with bankers and investors, keep up with stock market news and its daily changes and adjust your prices regularly.C) Competitive market prices:A business person is always on a lookout for its competitors and is aware of their side of story. It is necessary to know your competitors and adjust your prices based on their offering and similar services.D) Demand of the product or service:Investigate the demand before putting the price tag on your product and service. You can find this information through the data in your business plan. Balance your prices based on the market demands;
If you projecting a good volume of sale, price it lower than competitors. 
If the demand is lower and the project of volume is slow, price higher to accommodate the distance between each sale. 
E) Uniqueness of the product or service:A unique product and service in the market attracts more attention. Price it higher than other regular products.F) Acceptable profit margin range in the area:Profit margin’s acceptability is always decided based on the market and economy as well as the market demand for the product. 
Consider a big city. If you have a product or service that is unique, but projecting a high volume of demand, based on the economy and your targeted niche, the profit margin should set higher than normal. 
In a small community, If you are investing on a product with limited demand, go conservative on your profit margin. 
6- Not having any budget Many small business owners make a big mistake and do not place any budget for daily, monthly or yearly marketing plans. Whatever the profit and loss data projects on your business, it must include certain amount of budget for marketing plans that are realistic and traceable. Unfortunately small business owners mostly have no budget and deduct the cost of marketing plans from their profit data. This particular budget assignment is very effective in the future of business growth. Increase the marketing budget with business slowly reaching the peak of demands for your product and services.7- Spending money on non-traceable adsAs the market changes, so as the marketing plan, pricing and target audience. Invest and assign marketing plans that are traceable. Traceable marketing means follow-up charts to analyze data.The worst mistake of marketing is to spend money on a plan that cannot be traced and measured. This marketing mistake is wasting money or in other terms is shooting in the dark.8- Do not trace the resultMany businesses have assigned a budget for the traceable marketing plan but sadly do not follow-up on the result and do not trace it. This is just the same as spending wasteful money on non-traceable.9- Think in a closed box:Each business is unique. Even if the business offers a same product as other business few streets down the road, the two are still unique and different in many ways. The biggest mistake small business owners make is to follow other businesses’ footsteps. Marketing and its strategies should not have any limitation. Think of marketing out side of the box and do not limit the marketing strategies to a cliché approach others do. Be creative and design a plan unique and suitable for the very business.10- Don’t know what plans to set:Everyone is familiar with the word marketing. The first conversation when opening a new enterprise is “Lets do marketing!” But do we all really realize the core meaning of it?I compare marketing strategies and its unique approach to our fingerprints, which is distinctive. Many understand the word marketing but are not familiar with how to set the strategy and the game planning related to the business.It is a big mistake not knowing how to set the strategies while being fully aware of marketing important role in the business. Since setting the marketing plan requires research, analysis and knowledge of he market, hire a professional researcher and marketer to create the necessary game plan.11- Assuming the product or service will sell itself:One of the biggest marketing mistakes is to assume your product or service is going to sell itself. This assumption is misleadingly translating marketing into advertisement. I have met many small business owners who declared that quote-to-quote “I don’t spend money on the marketing, to me I only rely on word of mouth”.Word Of Mouth is the strongest way of marketing. So what this small business owner was under impression that he does not do any marketing because he thought marketing was spending money on advertisement. So he was counting on the most effective marketing, the word of mouth. Word of mouth consists of two factors:A) Product or service:People have to like the product or service to continue talk about it and refer their friends.B) Customer serviceAnother major difference between businesses is the level of customer service. I didn’t say the level of good or bad. What I mean is each business owner or employee that has been fully trained to look after a client as a customer service has his or her own charm. This specific charisma and character make the business unique to others and is a major influence for word of mouth.Let me give you an example of how powerful the word of mouth and spreading the word is to any business. While ago, I worked as a junior manager in an up-scale restaurant. The general manager identified his target niche as young professionals in downtown area. So he hand-picked few employees in the same age range as the targeted niche to use public transportation and talk about the restaurant among each other. His decision, although was not directly traceable, but yet had an amazing effect. How did I analyse the result and witness the proof?The restaurant offered comment cards, asking “How you hear about us?” and many without any surprise responded via word of mouth in public transportation.Even if the business owner is avoiding any advertisement cost, they still rely on spread of word about their service and product via the community and the word of mouth marketing.12- Don’t know the target audience:To plan and set a marketing strategy, any small business has to have a direct target niche as an audience. Analyze everything about the niche audience. The list certainly is not limited to the audience’s income, age, interest ratio to the product, sex, education, commitment ratio and their loyalty.13- Don’t know the competition:The best way to analyze the market is to get familiar with the competition and rivals. It might sound cliché but as the Godfather movie suggested, “Keep you enemy close”. Or if I may rephrase ” Keep your competition close and be aware of their moves”.This is especially important for small business owners in small community to have a good relationship with other competition. To share my experience in the same restaurant I used to manage, the general manager always encouraged me to go to other local restaurants and dine. He even offered to pay the bill. All I had to do was to analyze everything from the greeting, staff knowledge, manager’s presence, client’s relation and the overall quality. My report helped him to understand his competition strengths and weaknesses.14- Hiring wrong person to do marketing:Many small business owners out of desperation and lack of networking, hire wrong people to do their marketing. As we said earlier, every business has unique offering and services so must focus on unique planning for its marketing strategies.It is the small business owner’s responsibility to hire a professional firm who can relate to the business’s need and offerings.A good reputable marketing firm whose focus is to promote books and authors in not a good fit for a small local bistro.15- Underestimate the value of existing clients:A good businessperson always knows the value of the existing clients;The best way of follow-up with the existing clients is to create informative data about them. Many small business owners lack this very important source of information. To avoid this mistake, keep a record of every client’s information. If the information requires certain personal data, keep it in a safe and secure place.A client whom already has experienced your product and service knows about the quality of it. Always do follow-up calls and do not be afraid to ask how they liked the product or service. Even if the client responses back with dissatisfaction is a perfect opportunity for the business owner to fix the problem.Gain a new customer is costly. I am gong to explain this by an example:”Nancy enters Joe’s café because of a coupon she found in a local magazine offering 10% discount. She solely relies on a menu attraction, prices, quality of the food and customer service. Joe the owner spent lots of money and time for marketing after analyzing the community needs, price affordability and the targeted niche market.Joe has three ways to collect emails or phone calls for follow back:A) placing a note pad in front of the cashier’s desk asking new clients to write email or contact info for special promos.B) Placing a glass bowl by the cashier’s desk offering the weekly draw of free lunch from dropped business cards.C) Offering comment cards and asking for contact info.Joe has three ways to accumulate client’s information and follow-up with them. So everyday he goes through all the information and creates a secure data.Nancy finds the place charming and the food great but not a good customer service. It is Joe’s responsibility to follow-up and gain back Nancy’s business once again to avoid spending all the money and time all over to attract another new client.”Existing clients are the perfect way to promote every business. Send special offering, communicate with them and even ask them to share your business with their friends. Respect the boundary between proper communication and spamming.16- Not offering giveaways and novelty items:One of the most effective ways to attract clients is to giveaway your product or service for free.A) Test run: Offer a monthly test run of your product and service and giveaway a free sampler. People love to get samplers. It gives them information about your business and its quality.B) Propose monthly contest: Proffer a monthly contest and giveaway prizes based on participating in your business. People love contest and it excites them to know they can win something. If it didn’t work, Lottery and Casinos didn’t exist.C) Give out novelties like mugs, pen, key chain, notepad, calculator, shirts and hats with the business information printed on it.17-Wrong niche:As a business owner recognizing correct niche market target is necessary for further marketing planning and budget assignment.To explain this better lets picture a shoe store that carries high-end fashion shoes for women. The first thing that comes into the mind, high-end fashion niche is only younger generation and teenagers. A good business owner will explore the possibilities to analyze further more into the data from business plan to understand the local community needs.If selling high-end, then its higher quality and higher prices. A teenager on a student living budget cannot be a direct and only target niche. So the correct niche is a professional and higher income spender who is more interested in quality without considering the price tag.This example clears how a business owner distinguishes the certain target audience by analyzing the local market data from business plan. With enough knowledge in market research, the business owner avoids wasting the marketing budget on a wrong niche.18-Not participating in community:”Every big things has small beginning”Regardless of the geographical target of any business, whether global or corner store in a small village, it all begins with local community.Who are the first people you would share news with in your everyday life? Family and friends are the strongest link to marketing and spreading the word. It starts from friends and family and spreads to their friends and family and before you know it, is a snowball effect and cumulative.The local community is the test run before spending a time and money on a dead-end marketing plan.19- Do not own an informative and representative website:Internet plays a great deal of connection in people’s life everyday. Many customers use the Internet to search and review local businesses. No matter what kind of business, it requires an informative and user-friendly website. A good business website is a gateway that welcomes customers to enter and experience the business offering.Many small business owners making mistake and assume their line of business does not need a website. With daily development of technology, people get more connected via Internet and do their shopping online. Search engines get stronger everyday by developing codes and programs to bring up the exact and precise inquiry.20- Do not appreciate the value of the Internet:With a vastly growing competition on the Internet and the increase in demand for business development, simply having a website that offer information is not enough. Popular search engines are only producing websites in their search result, which have better ranking. Many small business owners simply making a big mistake by avoiding the presence on the Internet and ignore the growing highway to success. Every business must have an informative website and optimizes the business on search engines, social media and popular relevant forums. This subject of Internet marketing and its highly effective marketing plans is a lot of subject to cover in this article.21- Expecting too much in short time:Do not expect too much in a short time. There is always cause and effect but it requires proper time period to produce best effect. A seed needs time to open the surface and grow to a strong tree. But it requires water and good fertilization. Marketing is the water and fertilization to the business. It takes time for a good marketing plan to spread the roots and make a strong holding ground.”Rome was not built in a day”It took generations and much hard work of skilled engineers, planning and proper budgeting to build the mega city of Rome.Can you hold a roof without building the pillars and the walls?Marketing is the pillar of the business. Without marketing and planning, business lacks a foundation.Many business owners place the marketing and development in their last page when the business opens its door to the public. Marketing starts when the business idea takes shape. It begins before the business is even called a business. Avoid making marketing mistake and start your marketing with knowledge and strategy.Marketing is the heart of every business and keeps the health of the company in balance. But treat the heart right. Eating healthy, exercise and lack of stress are keeping the heart healthy to beat the life into our body. Practicing and implementing the right marketing strategies keep the business in shape. Don’t make mistake if you had a good run. Many small business owners get too excited for this temporary beat of recognition and look at it as everlasting. To keep a good balance in business, marketing and planning should match the flow of the business. Increase your strategies as your business grows and increases.Marketing is the pillar of every business and is the only foundation to go further, faster. Imagine a boat with no engine crossing the Atlantic. The marketing to a business resembles the engine to a boat. The planning and strategy of the marketing to the business is the safety gear of the boat that keeps it balance and not to tip over.
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<title>Small Business Marketing – An Essential Step In Success</title>
<link>https://svsnsms.info/small-business-marketing-an-essential-step-in-success,html</link>
<comments>https://svsnsms.info/small-business-marketing-an-essential-step-in-success,html#comments</comments>
<pubDate>Sun, 05 Feb 2023 20:02:44 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[Regardless of the size, a small business must focus on marketing, just like any business of a substantial size. Unlike big businesses, small businesses have a lot of factors that make marketing more difficult. Primarily, these efforts are hindered by budgets and resources.A marketing strategy is a step-by-step process that examines a business situation or [...]]]></description>
<content:encoded><![CDATA[ Regardless of the size, a small business must focus on marketing, just like any business of a substantial size. Unlike big businesses, small businesses have a lot of factors that make marketing more difficult. Primarily, these efforts are hindered by budgets and resources.A marketing strategy is a step-by-step process that examines a business situation or environment. The plan identifies a target client/market, key competition, challenges and opportunities in the market.Marketing is such an important part of the business process. It’s what brings consumers and products together in a market place.When you have a well thought out plan in place, you generate more sales because you capture the attention of the market quickly. Small business marketing often has to be especially innovative to overcome the challenges of the limited resources. Your marketing plan forms the foundation for your business decision making, and acts a reference point for making decisions about direction changes. Marketing plans allow you to work towards your predetermined goal.Primarily, this type of marketing focuses on developing a product or brand identity. A good marketing plan begins with understanding your company’s unique selling position in the marketing place. What is it that makes your products or services unique? Your brand incorporates that unique selling position and establishes an impression of your company in the mind of the target customer.Many small businesses choose to use some simple methods of marketing their products and brand to their clients. Some methods of marketing include development of a web site, direct mailing efforts such as postcards or brochures, or email marketing campaigns, including newsletters. These marketing efforts are very cost effective – they allow you to contact clients at very little cost and begin the steps of developing brand recognition.One of the advantages a small business has is flexibility. Although a small company doesn’t have an unlimited amount of money to invest in marketing, they have the advantage of being able to make decisions quickly. If a marketing strategy isn’t working, these businesses can quickly change direction and respond to the needs of a changing market place. Small businesses do have some advantages over the giants – how many can change their marketing strategy within a week?Marketing for a small business is something that has to be consistently done, almost on a daily basis. You can easily implement a number of marketing tools, such as daily emails, blogs to your website, flyers on windshields or door hangers, etc.One option a business has is to partner with another business and stretch marketing. Look for a small business that offers a supporting product or service and try to partner with them. Working in partnership with another company gives you flexibility to share expenses, such as graphic designers, printers, web site designers, etc. By sharing resources and times, you may stretch your budget much farther.Small business marketing is necessary for success. In many cases, your best marketing tool is word of mouth – from satisfied clients. Marketing is essential part of any small business success. Whether you focus your time on developing a marketing plan yourself, or use the advice of experienced professionals, marketing will help establish your company brand and image.
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<title>Brand Valuation and the Strategic Significance</title>
<link>https://svsnsms.info/brand-valuation-and-the-strategic-significance,html</link>
<comments>https://svsnsms.info/brand-valuation-and-the-strategic-significance,html#comments</comments>
<pubDate>Thu, 02 Feb 2023 08:59:10 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[Brand plays a strategic role in the success of any business. Relative brand values can be of significant in determining the acquisition values. Brands increase consumer willingness to take the risk of buying even premium products if they are convinced that it is from a credible source and they trust the manufacturer. Along with a [...]]]></description>
<content:encoded><![CDATA[ Brand plays a strategic role in the success of any business. Relative brand values can be of significant in determining the acquisition values. Brands increase consumer willingness to take the risk of buying even premium products if they are convinced that it is from a credible source and they trust the manufacturer. Along with a brand name a logo or symbol also help people to recognize the product. It is for this reason that the brand is often registered. Once registered it becomes the property of the company. The trade mark is a very valuable asset of a company and companies spend valuable resources in legal fights to protect themselves when competitors create confusing symbols and trade marksConsumer decision making is made simpler when the consumer is familiar with the brand because the consumer develops confidence and faith in such brandsA good brand name prolongs the life of the product on sale for many years. It will also help the company get a good market share if the company’s brand is well recognized. Further, the company can produce more products under the same name and reduce the time and promotion expenditure in selling the new products.It gives a legal right for the company, making the company beneficiary of all the positive effects and also makes the company responsible for any damages or any negative effects that the brand may have caused.Brand Valuation and its ImportanceIt is important that organizations work hard to create strong brands and nurture them carefully. Brands thus created generate revenue for a number years in the form of sales and also have some intangible name associated with them due to the “good will” generated by them in the market. For these reasons, the brands should be valued like any other assets of the company. If the company were to go for sale the price of the shares will naturally be based on the brand image and the value associated with it.Valuation of the brands helps in accounting in areas like balance sheet reporting, tax planning, licensing and franchising, mergers and acquisitions, investor relations,borrowing and legal protection.From a marketing perspective brand valuation is useful to determine budget and allocate resources on high priority, track performance and see if the marketing teams are able to value or not and also to examine if the strategies need change.Brand value increases the credibility of the top management to motivate the line managers within the organization, on the performance of the company and increase their confidence levels and loyalty. It helps to plan the new products and see what extensions should be added especially to make best use of the high value brand names.Brand valuation methods used by different evaluatorsDifferent approaches have been used to determine the brand value. There are some well known professionals like Deloitte and Interbrand, who determine the brand values and publish them in Business magazines. A list of top 100 brands is published every year in Business week. Some major variations in approach to brand valuation are mentioned here.1 The Market Transactions method-studies the transactions comparable to the brand being valued provided there are enough transactions and there is no tie up between the transactions and other assets2 Cost Method- Here the cost of obtaining brand recognition through advertising and marketing is taken into consideration. This method cannot be easily used for established brands where the cost of advertising and brand recognition are less compared to new brands.3 Income Method- In this method the relief from royalty is estimated to assess the brand value. This implies that the cost of renting the brand is assessed by the valuator. That is, how much will some other company pay to rent this brand name? This can be done by finding the licensing value of comparative brands in the market and the specific features of the brand being valued. The main elements of this method are the sales by the company and future growth, the expected life of the brand, how the brand value will decline with time and the taxes.4. The Interbrand method consist of assessing the future earnings of the brand, discount the future earnings to present value, deduct the cost of owning the tangible assets to arrive at the value added by the intangible factors and finally assess the risk associated with these earnings. The risk is dependent on the brand’s competence to gain market dominance, remain stable in the market and the possibility of the brand breaking into international markets.Who would be Interested in Brand Valuation?
A list of top 100 global brands is published each year. The list is highly useful in many ways. Often, the advertising agencies or chambers of commerce of many of the countries are interested in getting the brand with in their countries valued. Many countries like to know that they host the most valuable global brands. Interbrand is one the publishers of top brands lists each year. Frequently majority of the brands in the high ranks are American along with some Finnish and Japanese and other brands. The gains and losses are good indicators are Corporate Brand management and can reflect the chase in consumer franchise a signal for Corporate performance review.The global brand list is dominated by American brands, brands of Japan, Germany, Switzerland, France, Sweden, Britain and Netherlands. It is rare to see the Chinese brands despite growth and market size. The Chinese brands have not been able to bite a good chunk of the global market though their presence is increasing. In ASEAN markets the brands from China have a a noticeable presenceIn markets like Malaysia where public sector is dominant brands like Petronas (Oil company), Malaysian Airlines, May Bank are some brands that come out on the top. It is possible that many private limited brands are not included due to lack of reliable and accurate data. In Singapore some brands like SingTel, UOB, DBS Bank, Asia Pacific Breweries, Shangri-la, Singapore air lines dominate the list frequently.In India Reliance, Tatas, HUL, Wipro, Procter and Gamble. Reckit Coleman, Colgate Palmolive are some of the brands that dominate. State Bank of India is also among top brands. These brands have gained a good presence in the global markets as well.Brands can be of immense strategic relevance The differences in brand values may be more indicative of future revenue generation potential and competitive strength of an organization. Thus the brand value differences may mean more than the market share and relative market share used in strategic analysis.Brand Valuations skillsBrand is a key assets of a company. Brands just cannot be associated with costs alone but must also be evaluated from the intangible perspective. We are now recognizing that the company value is dependent on the intangible component more than the value of tangible assets when an acquisition or merger takes place. The gut feelings seem to play a role. Investors in share markets, especially, those who look at the value from long term perspective seem to focus on an organizations brand and the ability of the company to sustain the value.Valuing brands is an ongoing phenomenon. The methodologies used are not optimal. There is need to incorporate the soft factors that count like the brand values, the brand relevance and identity and the brands ability to manage these factors in a changing environment are very critical and basic to the brand valuation. It is here that the brand managers and the analysts need to sharpen their skills.
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<title>Home Health Care – Alternative to Do Everything by Yourself</title>
<link>https://svsnsms.info/home-health-care-alternative-to-do-everything-by-yourself,html</link>
<comments>https://svsnsms.info/home-health-care-alternative-to-do-everything-by-yourself,html#comments</comments>
<pubDate>Wed, 25 Jan 2023 16:41:49 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[Utilizing the home health care is a best option to get the relief and get rest you require while even so making sure that the older people are getting proper protection and care. Don’t feel shamed if you take some time off to take care of yourself and your family, but home health care is [...]]]></description>
<content:encoded><![CDATA[ Utilizing the home health care is a best option to get the relief and get rest you require while even so making sure that the older people are getting proper protection and care. Don’t feel shamed if you take some time off to take care of yourself and your family, but home health care is essential if you like to keep on care for your family and friends in the future. If you are in a quandary whether to get the servings of home health care.Your family and friends are taken care of by the trained medical staff. Employing home health care is farther safer than hiring unknowns to care for your relatives. Since home health care working class people are trained medical professionals. These medical professionals can answer properly.New York City is urgently in demand of teachers especially in high demand schools. Hence, the New York City department of education has a broad range of inducements and special programs for instructors to be and practicing teachers. It is the most former and perhaps the last major cause to restabilize education and attain qualified and motivated potential and assuring pre-service or educator’s students to instruct in high demand schools.Hospice Fraud in South Carolina and the US is a changing problem as the number of hospice patients has blew up over the past years. From 2004 to 2008, many patients encountering hospice care in the US grew about 40% to all but 1.5 million, and of the 2.5 thousand people who died in 2008, intimately one million were housing patients. The consuming bulk of people receiving hospice care encounter national benefits from the federal authorities through the Medicaid or Medicare programs. The health care offers who offer hospice services traditionally inscribe in the Medicaid and Medicare programs in order to modify to receive payments under these governing programs for services delivered to Medicaid and Medicare eligible patients.Recently federal hospice fake social control actions have evidenced, the number of health care individuals and companies who are wishing to try to defraud the Medicaid and Medicare hospice welfare programs is on the rise.Hospice care is a kind of health care service for the patients who are ill terminally. Hospices as well offer backing services for the families of ill patients. This care lets in physical care and guidance. Hospice care is normally offered by a private company sanctioned by Medicare and Medicaid. Hospice care is present for all the age groups, including adults, children, and the older people who are in the last stages of life. The main purpose of hospice is to offer care for the ill patient her or his family and not to heal the terminal illness.
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<title>Private Health Care Preferred Over Public Plans</title>
<link>https://svsnsms.info/private-health-care-preferred-over-public-plans,html</link>
<comments>https://svsnsms.info/private-health-care-preferred-over-public-plans,html#comments</comments>
<pubDate>Wed, 25 Jan 2023 16:40:16 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[As the economy becomes unstable and an obvious inflation seems forthcoming, it is the wise consumer who considers private health care. With the growing pollution across the globe with the ozone layer fast depleting, consumers are easily exposed to the ultraviolet rays and adverse pollutants in the air or waters. Hence, the immune system of [...]]]></description>
<content:encoded><![CDATA[ As the economy becomes unstable and an obvious inflation seems forthcoming, it is the wise consumer who considers private health care. With the growing pollution across the globe with the ozone layer fast depleting, consumers are easily exposed to the ultraviolet rays and adverse pollutants in the air or waters. Hence, the immune system of the body is frequently attacked and weakened; without the appropriate healthcare, one’s health can deteriorate very quickly.Public care planAlthough many governments offer some basic health care plans to their citizens, there may not be enough facilities to cater to the large group of the consumers. Public medical facilities are usually crowded every day with public medical providers being overworked and underpaid.There may not be enough qualified and well trained public medical staff to offer the proper health care to the public. Some public care plans only cater to certain categories of society such as the orphans, widows, senior citizens and handicapped. Hence, the poor and unemployed may not get to enjoy the subsidized or free health care; they would need to resort to private care plans for their health which can be quite costly.VarietyWorking consumers are strongly advised to consider private health insurance for themselves although they may be covered by their companies; however, many companies purchase the minimum level of health care for their employees in a cost saving endeavor. The basic of health care plans is usually the preferred insurance plan by companies for their employees which covers annual basic health checks, common colds and influenzas.But there are many areas of health that require to be covered in case one falls seriously ill. Private medical coverage can cover the cost of hospitalization in serious health issues such as operations and long term convalescence. There would be more choices of professional medical care such as specialists and surgeries at the best hospitals with the best medical facilities.Different private insurance offers different scopes of coverage which would be reflected in the premium quantum. A private health care policy can cover any health aspect that is desired by the consumer as long as the insurance provider is willing to undertake it. That coverage would be computed as a viable undertaking by the insurance company which is translated into a feasible premium to the consumer. It is up to the consumer to dictate the terms of health care coverage until a satisfied plan is accepted with an affordable premium.
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