How Does Debt Consolidation Help Eliminate Debts?

With the global economic downturn, the life of most US citizens has become immensely difficult in the past few years. Though the nation has been claiming to emerge out of the hard times lately, it will take quite some to put the life of these citizens back on track. To meet their essentials, they have resorted to extreme cost cutting steps like selling their houses and moving into smaller ones, selling spare automobiles and making do with just the necessary ones, etc.Desperate to maintain their lifestyle, a majority of them are caught in the trap of debt. Payday loans and other seemingly short-term cash assistance have landed them in a long term vicious circle of debt. A boon for such people is the debt consolidation service that has emerged as a means of respite from the searing cash crunch. These services put forth tall claims of pulling their customers out of their financial hardship. Let’s find out why and to what extent they are successful.Defining The TermLet us first have a clear and comprehensive understanding of what the term debt consolidation means. To state it in clearer terms, consolidation of various debts by the borrower entails asking for a major loan at a flat rate of interest to pay off the many smaller ones at varying interest rates. This step is intended to relieve the borrower of tracking the differing payments of his many loans at different rates and payment dates. Managing all the payments gets extremely difficult at most times.Consolidation of one’s debts brings all of them under one large roof, simplifying the process of controlling one’s short and long term liabilities. In other words, debt consolidation accomplishes the objective of putting an individual’s varied due balances under one big head at better payment terms as compared what he had earlier. People believe that adopting this strategy will reduce the debtor’s monthly payments to a significant extent. However, risks as well as tradeoffs must be taken into account while deciding on such services. Otherwise, one may end up losing more than what one gains.Risks InvolvedPrograms meant for debt consolidation are aimed at improving a person’s overall debt situation. Though initiated with the noble intention of offloading a debtor, it may end up increasing the costs and loan charges. Take, for instance, the case of those people who utilize their houses to get a second mortgage loan to consolidate their previous loans. Such people stand a chance of losing their homes by adopting such a strategy. This is the prime reason behind the newspaper and media reports on the auction of a borrower’s property that we come across almost daily. These individuals had, in fact, failed to pay their debts off. But becoming panicky is no solution to this trouble. Smart and well-calculated liability consolidation steps can save you from big time trouble at a later stage.Both secured and unsecured debt consolidation plans are on offer for needy debtors. It is obvious that the interest rate would be low in the former plans as compared to that in the latter ones. It is therefore in the best interests of the borrower to reach a decision after careful consideration.

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E-Commerce in 2014: Top Tips

Whatever your business size and industry and whether or not you have a brick and mortar shop; as a business owner you will no doubt now be aware that a quality e-commerce website is, if created and marketed correctly, a sensational tool that can help increase sales and boost brand growth in a way that off-line marketing may not allow.An e-commerce website is a virtual store that allows businesses to directly sell their products to the millions of users actively engaging in the ever popular world of online shopping. With a well designed website that offers a seamless experience and is optimised to appear in prime search positions; any business can achieve an ideal increase in sales.From large corporations like Amazon and ASOS to smaller high street retailers; mobile marketing and the increasing power of the internet has made online shopping second nature to consumers and a must have for retailers. Easy to view products, speedy checkout and often free delivery; shopping from the comfort of our own homes is something we can no longer do without. For this reason, 2014 will continue to be a year that is dominated by the e-commerce market.For retailers everywhere, it is important to ensure that websites are up to scratch if 2014 is going to be as successful a year as hoped. Below are my personal top pieces of advice that can ensure whether you are building a new e-commerce site, revamping your current one or just looking for ways to improve, your e-commerce site can be a key player in your business success…

SEO- Work with your SEO consultant right from the beginning as it will ensure that when developing your website (including the information architecture) your site will be effectively optimised. Realising you may have to make vital SEO related changes to your websites structure, after completion can be a difficult task so keep SEO in mind from the word go as it really can make all the difference.

Images- Use quality images that are not only clear but can be zoomed in on and even rotated. The more engaging and detailed your images, the better chance users will have of getting a real look into the product. Remember that unlike a store front, your e-commerce site doesn’t allow users to touch the product so the more detailed the images provided, the more likely the customer will be to make a purchase.

Codes- Marketing your e-commerce site is essential but knowing what is working and what isn’t, is the deal breaker. You will want to make to make your e-commerce site a success in the New Year and using unique codes can determine which promotions are proving effective and which aren’t ensuring that you get more quantifiable results for your spend.

Multi Channel Retailing- Create a shopping experience that is consistent across a range of platforms. Consider how and when your customers may visit your website- a user may have found a product on your site on their Smartphone during the commute to work but decide to complete the purchase on their desktop during their lunch hour. Work with your web design agency to anticipate the different scenarios in order to ensure you provide a different service (Amazon is the perfect example of this!).

Social Media- The constant reminders of the importance of social media can become tedious but it is true- social media sites like Facebook and Twitter and of course Google+ can make a great deal of difference to a business. Ensure you are engaging and showing off your products, announcing offers and sales via your social channels but also ensure that social media widgets have been carefully embedded throughout your site. Providing customers with the ability to like and share certain products can provide a significant boost.
Online shopping has become second nature to our everyday lives which is why it is important to ensure that businesses capitalise on the potential with a well designed, structured and promoted e-commerce website.The power of online shopping will only continue to grow in the coming year so ask yourself; are you doing everything right?

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Are Travel Agents Old School?

It appears you can’t stare at the TV for 60 minutes without seeing a notice with William Shatner discussing Travelocity or that senseless dwarf discussing Orbitz. These travel sites have been extremely effective at encouraging voyagers to book their own particular carrier and lodging reservations on the web. So with this colossal push from the web to assume control over the travel business, one needs to ask, “Are travel agents old school?”In the event that you have searched for some of these travel web sites, you have watched that they are stunning in the assorted qualities of travel choices that they make accessible. As a business traveler, be that as it may, your requirements are fairly unique in relation to the run of the mill aircraft traveler.There are some certain administrations and genuine help that a living and breathing travel agent can give that basically can’t be duplicated by a computerized site like Travelocity or Orbitz. Some of those administrations that a prepared business traveler would be unable to live without having…A Travel Agent will give you…- Focus. You as a business traveler are not orchestrating this excursion for excitement. You have particular business goals as a main priority. So on the off chance that you should remove time from planning for your business assignment to stress over travel agendas, lodging and rental auto reservations and so forth, that is time that you are not being beneficial for your business.When you get the chance that you can call a skilled travel agent who knows your travel profile well and delegate those courses of action to that agent, they carry out their occupation in finding only the right facilities for you and you are liberated to do what you excel at, spotlight on your business and the up and coming business trip.- Economy. It is hard to find that harmony between finding the housing that fit the requesting timetable of a businessman out and about and is conscious of the organizations travel spending plan too.On the off chance that you utilize a computerized online travel administration, you may need to relinquish accommodation, timetable or area for economy.A decent travel agent will endeavor to get you the right schedule while getting as close the corporate travel cost confinements as would be prudent. Furthermore, they will do it without taking up a considerable measure of your time.- Back up. You needn’t bother with help if your excursion goes totally as arranged. Be that as it may, in the event that you experience issues out and about, you can wind up in need or rescheduling flights and finding new lodging to work around scratched off flights, climate issues or other surprising intrusions to your arrangements.These travel debacles are not aware of your tight due dates to meet your business objectives. In any case, you have a travel agent who is committed to giving you administration, he or she can locate those option courses and assets to do whatever they can to get you to your destination so you can direct your business on time.- That individual touch. You may have travel inclinations that you need to accomplish with every outing you take. A travel agent has your profile and your travel history so they can do what they can to suit your inclinations.Yet, in addition, when you have particular unique needs, for example, an eating regimen constraint or a requirement for convenience because of an inability, it will be a travel agent that sees to it that your needs are accommodated and you are well dealt with out and about.- No Complications. In the event that your travel agenda includes making associations with different business accomplices who are going from various workplaces, complex travel calendars and schedule challenges that just can’t be depicted to the nonexclusive screens of an online travel administration, you can disclose these inconveniences to your travel agent and they can work with other travel agents attempting to arrange the meeting and see to it that your agenda meets your prerequisites.While the online travel administrations do give a profitable and moderate other option to the general voyaging open, it is anything but difficult to see their confinements on the off chance that you are attempting to book a trek that is dubious or in the event that you have particular needs that the screens don’t suspect.That is the reason working with a human travel agent ensures that this travel proficient person will devote themselves to the assignment of ensuring your excursion attempts to your details and that you get to your destination prepared to lead in business and be fruitful in your accomplishing your objectives.

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Uniform Debt Management Services Act – The Bible of a Debt Manager

Any debtor resorting to the help of debt management has to be sure that the company that he/she is considering meets the requirements set by the Uniform Debt Management Services Act (UDMSA). This will help to make sure that the company will really HELP the debtor to handle his debt instead of making his/her hard financial situation even worse. This article lists the basic principles of the UDMSA. If you notice that your debt management services provider fails to follow any of these, we strongly suggest you avoid signing in with it.Brief history of debt management industry.It was in the 1950′s when US consumers with bad credit problems were first offered to resort to the help of professional debt managers. Basically, there have been two major types of services available – credit counseling combined with working out the financial programs that would give a delinquent debtor the chance to pay his/her outstanding debt off over an extended period of time without having to file for bankruptcy, and debt consolidation and management services aimed at talking the creditors into settling a person’s outstanding debt on a percentage of it – also avoiding the bankruptcy of the debtor.It can’t be said that the providers of debt management plans have always been accepted well by the financial society… There has been a wave of harsh criticism against them stating that their services were aimed at steering the debtors away from filing for bankruptcy it attempt to create profit for the creditors since in most cases it would have been much easier and advantageous for the debtors to file. For some reason, non-profit credit counseling organizations were always preferred to for-profit debt management agencies – even though the charitable status of CCC’s often proved to be nothing but a fake covering the hidden funding from the creditors themselves.A giant leap towards improving the quality of debt management services was made in 2005 with the passing of the federal bankruptcy reform. From that moment and on, every person filing for Chapter 7 bankruptcy was obliged to pass a consumer debt counseling or debt management session. In addition to that, the reform featured a number of strict regulations concerning the activity of debt management agencies. These regulations are now obligatory in every state due to the federal character of the reform, which apparently makes the debt managers and counselors all over the USA much more responsible, thus ensuring better protection for the customers. The legal document listing these regulations is called the Uniform Debt Management Services Act (UDMSA). It is subdivided into three major parts: Registration regulations, Service-Debtor Agreement regulations and Enforcement statements. Let’s take a closer look at each of these sections:Registration.Any debt management agency must be registered as a consumer debt management service in the state where it is planning to operate before entering into any agreements with debtors in this state. During the process of registration, the principals of the service must provide the following information about their enterprise:– the financial condition of the service;– the identity of principals;– the list of location where the enterprise will be offering its services;– form for agreements with future clients;– the business history of the enterprise in other jurisdictions.There are also a number of other requirements applicable to every debt management agency. The list of these requirements includes:– a sufficient insurance policy aimed against fraud, theft, dishonesty, etc and an insurance fund in an amount of at least $250,000;– proven possession of a security bond of at least $50,000. The beneficiary of this bond must be a state administrator.Neither of the requirements listed above applies to a debt management service already registered in any other state. It will be enough for the principals of such services to provide the proof of registration in another state in order to get registered in the given one.A debt management service that gets registered successfully receives a certificate allowing it to do business in a given state. This certificate should be renewed each year, so always make sure that your debt management agency’s certificate has not expired yet.Service-Debtor Agreements.This section of the UDMSA concerns the fees charged and the services provided by a debt management agency. Always remember that the debt manager dealing with your debt account should be a certified professional. The amount of fees that may be charged and the contents of Service-Debtor Agreements are determined by statute. The debtor also has the right to rescind the agreement with a debt management provider within 30 days since its signing absolutely penalty-free. However, the debt management provider may charge the debtor with some fee in case of full cancellation of the agreement (which can also be made within 30 days since the signing of the agreement only). The creditor has the right to annul the agreement in case the debtor is late with his payments for at least 60 days.Always make sure that the debt management agency that you are working with keeps the payments intended for your debtors in a trust account, separately from any other funds of the company.Enforcement.The UDMSA strictly prohibits the debt management agencies from doing any of the following:– misappropriate any of the debtors’ funds kept in the trust accounts;– settle the debts for more than 50% of the outstanding value without getting the debtor’s consent first;– use gifts or premiums to persuade either side into a specific settlement agreement;– settle any debts without the certification from the creditor.Never hesitate to complain if you catch your debt management performing any of the activities listed above.The Uniform Act allows two levels of enforcement: administrator and individual. Among the means of administrator enforcement are the following: investigative powers, the power to charge a civil penalty of up to $10,000 and the power to start civil lawsuits. On the other hand, the means of individual enforcement include: the power to bring a civil action for compensatory and punitive damages and the power to charge attorney’s fees.It should be noted that banks are not subject to the regulation of the UDMSA due to their status of regulated entities under other law.Always make sure that the management company that you sign in with follows all of the rules and regulations stated above. The breach of these rules is illegal and may be punished by law.

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Global Ecommerce – Trends Involved in Ecommerce Business

Internet use has grown and spread during the last decade. With the fame and widespread usage of Internet this new trend in ecommerce business is spreading like wild fire and has a pivotal role in global economy. Businesses these days are rising in all realms. Ecommerce has changed the way people do business. These days, ecommerce business is at its boom. From big corporations to cottage industries, businesses are online, opening up their products and services to new groups of people worldwide.What is ecommerce? Ecommerce is generally associated with purchasing and selling things over the internet. It is a technique of selling your products on the internet. To put your products over the internet, you need an attractive website and an ecommerce storefront for your business products.These days, the use of other media trade, such as the telephone, television, fax, and electronic payment, has been also grown. These play also an important role in the boom in ecommerce business because ecommerce has been an integral part of the global economy. The WTO has begun to consider how it fits into the multilateral trade framework, and what rules or regulations should apply.With the emergence of ecommerce business during the last decades, a number of ecommerce business solution providers have been also grown. No one can imagine a successful ecommerce business without the assistance of a reliable ecommerce business solution provider. Ecommerce service provider performs many useful jobs for your business, such as doing market research, getting traffic for your ecommerce storefront and online ordering system.Today, ecommerce is the latest mantra in increasing your sales. This is because instead of selling your goods and services through a local store, you can sell online and gain a greater customer base. Apart from providing shipping services, you will need an online ecommerce merchant account to accept credit card payments to make your venture a success.These days, even a restaurant is running under ecommerce system. Ecommerce solution provider performs many jobs for the Restaurant, such as, they put online restaurant menu, online restaurant ordering systems and bed and breakfast booking system. There are many ways to get your products and services online, from a simple brochure site to a high-end database driven site.In this way, we see that ecommerce has changed the people to do the business in a different way. Every thing in this world has been being globalize and of course business is no exception. Global ecommerce business has been new trends in ecommerce business and plays a pivotal role in global economy. Also the role of ecommerce business solution providers cannot be ignored because you cannot imagine successful and fruitful ecommerce business without their assistance.

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The Basics on T1 Line Solutions For Small Business

T1 Lines have been the primary source of mission critical bandwidth for companies of all sizes for nearly 20 years. With so much history, a basic understanding of the T1 line should be common knowledge among business owners who are looking for reliable bandwidth for Internet access, data communications, or multiple telephone lines. However, it was not until the late 1990s that the market for T1 lines became very competitive and prices began falling to more reasonable levels, causing the demand to rise sharply among small and medium sized businesses. Even today most small business owners and managers still do not know how a standard T1 line works or what it is capable of providing.Each section below includes a description a T1 line solution and an example of what problems you could solve for your business with the solution described. There are 7 basic types of T1′s explained, which include Full T1, Fractional, Voice (standard), PRI, Integrated Voice and Data, Voice Over IP(hosted), and Point-to-Point T1′s.Full T1 Line:”Full T1 Line” is a term typically used to describe a circuit that provides 1.5 megabits per second of high speed Internet access, which is the most common type of T1. A Full T1 can also be used to carry telephone lines and/or VoIP calls, both of which are covered within the “Voice”, “PRI” and Voice Over IP sections here. Nearly all office-based and modern retail businesses require some type of Internet access in order to perform their daily operations, and many have mission critical Internet needs that allow them to continue business operations at all. There are many choices to fulfill this need for Internet access, including Dial-up connections, ISDN, DSL, Cable, Wireless applications, a T1 Line, or something larger like a DS3 or OC-3 (far less common due to high cost).A T1 Line consists of 24 channels that transmit data at 64Kbps each, therefore giving a Full T1 Line the capacity to transmit 1.54Mbps of data synchronously (upstream and downstream). Using today’s standard email applications and common Internet searching, this amount of bandwidth could support anywhere from 1 to approximately 75 users depending on their needs, preferences, and the company’s budget. Most commonly Full T1 Lines are used in offices with 5 to 50 employees. A T1 circuit provides the most reliable bandwidth available when leased from a high quality T1 Provider, which is why businesses are willing to pay more for a T1 than for other services like DSL or Cable. In some applications, a T1 can save money for a company who uses a less reliable bandwidth connection. Since multiple services can be combined on a single T1, cost efficient solutions are often available if you know what service to ask for (see “Integrated T1″ below) and which providers offer those services in your area.Internet T1 pricing starts at approximately $400 per month, but can cost more than $1000 per month if the location of the installation requires a long loop to connect to the network of your local phone company to the network of the T1 provider. This is usually only the case in very small towns or rural areas where facilities are less dense. Most metropolitan areas have many choices of T1 providers, at least one of which will usually be closer and cheaper than the rest. Pricing will fluctuate dramatically depending on the Provider and the location of your business, which is why it is sometimes safer and easier to use an experienced Telecom Consultant such as to guide you in finding the best solution. For example some companies that do not require much bandwidth or have a small budget might need to opt for a Fractional T1 Line.Fractional T1 Line:A Fractional T1 line typically describes an Internet circuit that uses a “piece” or a “fraction” of a Full T1. Fractional T1′s are also used for telephone lines or even integrated T1′s, but less often then for Internet access. A Fractional T1 can be sold in nearly any fraction of a 24 channel, 1.54Mbps circuit. For example, out of the 24 channels in a Full T1 line, 12 channels might be used in a Fractional T1 to provide a 768k connection, which is half of 1.54Mbps. Other Fractional sizes include 1.1Mbps, 512k, 384k, 256, 128k, and even 64k, although the smaller sizes are very uncommon. As T1 Providers have become more competitive, prices on Full T1s have come down so much that Fractional T1s have become less cost effective. For example, a Fractional T1 of 768k carries only half of the bandwidth of a Full T1, but usually saves only 5% to 15% of the price of a Full T1. This doesn’t make much sense in applications where only 1 or 2 T1 lines are needed, unless the budget is extremely tight. However, this can add up to significant savings when using hundreds of T1′s across a large company’s multi-location VPN or frame relay network.Voice T1:Voice and PRI T1 lines are extremely common among businesses and call centers with multiple telephone lines and large call volumes. They are far less expensive and more efficient than installing dozens of POTS (plain old telephone service) lines. Each of the 24 channels on a T1 line is versatile, allowing it to be used for either bandwidth or for a single telephone line. So, a pure Voice T1 line will have 24 telephone lines with reliable service, good reception, good long distance rates (depending on the carrier), and a wide selection of calling features. Voice T1 lines use digital or analog transmission, so it is an excellent choice in situations where a company’s equipment does not allow for the use of a PRI line, which is always digital.PRI T1:A PRI (Primary Rate Interface) line is somewhat different and more popular than a standard Voice T1 because it is true “digital trunking”, which allows for even more advanced calling features. A PRI line provides 23 telephone lines per T1, because the 24th channel is used to carry useful data for signaling and other features like special caller ID information called ANI (Automatic Number Identification). Since the transmission is digital, the quality of a telephone connection over a PRI line is unsurpassed, providing crystal clear reception that is noticeable to the user. The use of DID (Digital Inward Dial) numbers, and calling features like hunting and rolling, allow you to use 23 digital telephone lines to provide service to potentially 30 to 40 employees, depending on how often they will need to use their phone. Instead of guessing on the number of DID’s to put on a PRI line, it’s important to figure out the maximum number of simultaneous calls that could be placed at any given time. Having too few telephone lines causes costs more in a loss of productivity than it would cost to simply add more phone lines to keep your employees busy. This is why it is important to figure out the proper balance of telephone lines vs. DID numbers. The cost of a PRI is also typically lower than other forms of telephone service (except Voice Over IP in some applications), with actual pricing depending on the Provider of the service and your business location. Between the features, price, and quality of a PRI, it is the primary choice for businesses large enough to take advantage of it’s multiline functionality and benefits.Integrated T1 Line:An Integrated T1 Line is one of the most popular T1 solutions for small businesses because it provides local telephone service, long distance, and bandwidth all on a single connection and a single bill. The consolidation of these services with one company is more convenient and more cost effective than purchasing them from separate providers. Just as a Fractional T1 line only turns on a portion of a T1 Line for Internet access, special equipment allows some of the T1 channels to be allocated for telephone lines, while others are used for data transmission and Internet access. For example, a Full Integrated T1 line could be divided in half using special equipment, providing 12 high quality telephone lines and using the other 12 channels for 768k of bandwidth. Fractional Integrated T1 lines are also available, but most companies have minimum levels such as 4 phone lines and 512k of Internet access, which only uses 12 channels combined. Many offers even include “blocks” of free long distance, usually based on the number of telephone lines being installed. A typical offer might include 6 phone lines(6 channels), 512k (8 channels), and 600 minutes of free LD each month (100 per telephone line). This entire circuit could have a total cost as low as $400 to $500 per month, which is a tremendous “all inclusive” bargain for small businesses. This is a perfect total solution for literally thousands, if not millions, of small companies across the nation. One thing to keep in mind is that not all providers can offer Integrated T1 Lines, so the ones that do typically focus a great deal of their sales efforts on this service.Voice Over IP (VoIP):Voice Over IP is considered to be the “next big thing” in the telecommunications industry. It has already begun the powerful growth that has been expected for many years by experts and early adopters. Although VoIP services can and will be used across all types of high bandwidth connections, the business class services are primarily being offered on T1 lines. This is extremely important in the world of bandwidth and telecommunications, because it again validates the T1 line as the most cost efficient delivery method of the most reliable bandwidth. In other words, a company cannot afford to trust a volatile Internet connection like DSL or Cable to carry VOIP because they risk losing 100% of their communication capabilities.Voice over IP is revolutionizing telecommunications because it is cheaper for the user and the infrastructure requirements are better for the providers. Rather than requiring a telephone line and all of the switching on the back end to complete a call, VoIP uses equipment to break down a telephone call into packets of data, then sends those packets across the internet to be decoded where the receiver answers the call. This dramatically reduces the bandwidth that is necessary to complete a call because it eliminates “dead” times when no one is speaking into the receiver. Since the calls also bypass the normal telephone switching network, they also escape FCC charges (for now). Every major Provider and most small providers are starting to offer residential and business class VoIP services. If you’re in the market for a business VoIP solution try the free consulting services of to Point T1:Point to point T1 lines do not provide T1 Internet access or telephone lines, but act as a “transport” for either or both. A point to point T1, often referred to as a “P2P”, provides a very secure and reliable connection, usually from a corporate office to any number of satellite offices. Although a P2P does not actually “provide” Internet access or phone lines, corporations use P2P T1s to share these services. For example, a company’s home office in Los Angeles might have hundreds of telephone lines and huge Internet access pipes installed at one location to get the best available rates. This company can use a P2P T1 to transmit any combination of telephone lines, Internet access, and data between offices to share software systems, and provide in-office dialing from locations across the country! The variables are endless because there are no restrictions on how a point to point T1 can be used, assuming you have the right equipment and a source at one end of the P2P. This can be a great way to save money, because a satellite or branch office might have to pay huge prices to have telephone and bandwidth services installed directly, whereas the home office can get better rates because of bulk buying and location. Although it can sometimes be used to save money, a P2P network is usually not very cost efficient compared to other options. Frame Relay and VPN (Virtual Private Network) are other options to consider depending on a company’s needs and business applications. The primary advantage of a P2P line is that it is truly private, making it top choice for those demanding a circuit with a dedicated connection to only their business, therefore offering the highest security available.There is no question that the same type of T1 Line that was being used back in 1984 by the US Government and world leading technology companies like IBM is still the best source of reliable bandwidth for all sizes of companies today. Despite the competition of newer technologies, price reductions on T1′s plus the fact that these circuits are so trustworthy have allowed the number of T1 Lines being used in the United States to continue to grow at a rate of 15% per year, even in recent years. Since there are so many uses for the T1 Line, including the explosion of new technologies like VoIP, these circuits are poised to remain a key ingredient to the success of businesses who rely on Internet, Telecommunications, and Data Connectivity for years to come.

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Negotiating Technology Contracts in Health Care

Technology spending for hardware, software and consulting services accounts for a significant portion of most health care providers budgets today, especially since the Obama Stimulus Plan and HITECH Act are incentivizing providers to implement electronic health records. In a perfect world, technology works perfectly, improves efficiency and the quality of care and makes life easier for the provider. However, the real world is not perfect and things can, and do, go wrong with technology products and services after you purchase and/or license them from third party vendors. Technology contracts generally are written by the vendors and consultants. Unfortunately, many technology contracts fall short of giving providers adequate protection and often contain hidden pitfalls and costs. Despite this fact, many providers never give these contracts to experienced health lawyers to help them negotiate better terms and protections for their high-tech investments BEFORE signing. This is a potentially costly practice. Every health care provider should be concerned with at least the following FOUR KEY ISSUES, which should be addressed in any technology contract:Warranties and Limitations of Liability: Despite elaborate sales presentations, technology contracts typically disclaim most, if not all, warranties and limit the liability of vendors to only refunding all or part of the purchase or license price paid for the technology. Such refunds are inadequate to protect the average provider when problems arise. A technology vendor should be required to give a written warranty in the contract that its product will perform in accordance with documented standards and for a reasonable period of time. At a minimum, this time period should be long enough for the provider to evaluate the technology in its operations. A better solution is to require a warranty for the useful life of the technology, or as long as there is a support and maintenance service agreement in place. A vendor also should not be allowed contractually to limit its liability on default only to return of the purchase price. If a provider suffers actual damages caused by the technology, the vendor should be required, in writing, to stand behind its product and services and reimburse such damages. A reasonable compromise is to require the vendor at least to tender the limits of its insurance coverage, which creates minimal additional risk to the vendor while better protecting the provider.Payments & Performance: A provider should not agree to pay the full purchase price up front, as is often a contract requirement, leaving the vendor with little incentive to complete its responsibilities. The parties should mutually agree in advance upon a project timetable with milestone targets for delivery and implementation of the technology. Payments should be made in installments conditioned upon reaching the targets. In addition, providers should build in testing rights, in order to evaluate whether the technology is performing as promised. The provider always should have the final say in whether a test provides a successful outcome and whether the final payment should be made to the vendor.Support and Maintenance: A technology hardware purchase or software license is only as good as the support and maintenance that goes along with it. The vendor should be willing to provide support for at least a defined useful life of the technology. Several questions should be answered in a written support agreement. Are updates or upgrades provided without additional charge? Will the vendor perform on-site or off-site support and maintenance? Will the provider pay a monthly fee plus an hourly charge or is there only an hourly charge? Does the hourly charge differ depending on when or what level of support is needed? Do the charges increase over the term of the support agreement? What is the vendor agreeing to support? Will changes made to the technology by the provider automatically terminate the warranty or support obligations? Unless the contract is specific regarding essential issues, a provider may find itself paying for less or different support and/or maintenance services than needed or expected.Confidentiality: Confidentiality of patient health information is a critical issue. Federal HIPAA law has a variety of privacy and security rules providers and their business associates must follow. In addition, some states, including Florida, have enacted legislation that requires entities that conduct business in the state and which maintain computerized data that contains personal information to provide notice to any resident if there is a breach of security. A technology contract should specify if the vendor will have access to any of the confidential patient information. A health care provider must require the vendor and its employees to maintain the confidentiality of such information under federal and many state laws. The technology contract also should expressly protect the confidentiality of provider trade secrets and other proprietary information to which a vendor or consultant may have access.Although technology contracts may appear intimidating, as they frequently are presented by vendors in small print and columned format, leading providers to believe they are non-negotiable forms, this is not the case in most instances. Investing the time and resources to have a health law attorney experienced in technology contracting review and help to negotiate contracts for hardware purchases, software licenses, maintenance and support, as well as technology consulting services, can save providers significant expense, disappointment and damages should the technology products or services not perform as promised.

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Establishing Successful Customer Relationships Through Effective Communication

“One cannot always oblige; one can, however, always speak obligingly…” says Sri Sathya Sai Baba, Indian spiritual master, which is an exact explanation for the complex role of corporate communication in modern corporations today.The customer, as the old saying goes, is the king! A king he truly is he believes, that is, till the not-so-charitable mandarins of marketing let him know and make him aware, rather painfully for him, that he is one among the many millions that feel that way, without actually being that way. However, the same mandarins grudgingly acknowledge that a happy customer is a brand’s success, while a delighted customer is a brand’s ambassador. The customer relationship management paradigm – popularly abbreviated as CRM – is built precisely on these pillars. And the customer enjoys a precarious position in this paradigm.In the concentrated CRM efforts a company often forgets the basic thing that is the cornerstone of the concept… relationship! Traditional marketing theories have always focused on attracting new customers, rather than retaining existing customers. Over the past decade, thanks to intensified competition and greater variety of products, this has gradually altered. The current flavor of marketing is ‘retain’ more than ‘gain’. Because retention leads to growth and growth leads to fulfillment.In marketing, today, the consumer is treated not as a king but like a mischievous sprite. He is accused – well, almost – of making a brand dance to his wishes and whims. While purists tend to argue that brands need customers and vice versa, modernists counter it by saying that customers need a brand, any brand, so long as the brand is his willing genie. This disproportionate balance shapes brand communication strategies. Positioning per se is no longer a marketer’s tool but rather as an awkward proposition to grab the customer’s fancy. Positioning is not brand or product or benefit or feature-centric anymore; it is customer-centric.What is then important to establish a relationship between a brand and its customer? In order to build a personal relationship, the brand’s personality has to come through (Michael C Gray, 2006). It will no longer be brand and customer, but simply ‘you’ and ‘I’… a collaboration is well-developed leads to ‘we’, which could be a fulfilling state for a brand and a customer.Social researchers have always advised marketers that people prefer to do business with people, not institutions or brands. This implies that corporate communication has to be the link that helps to build and maintain a healthy relationship between both stakeholders. Technically there can be several types of regular communication: newsletters, fax messages, voice broadcasts, blogs, sales letters, emails and more.Communication with customers reflects the following aspects of a relationship.
o Strong culture
o Favorable identity
o Coherent philosophy
o Genuine sense of camaraderieIt may not be instant gratification or affection but effective corporate communication establishes an appropriate and professional relationship with the customer, including quick, responsible channels of two-way communication. Corporate Communication is all about managing perceptions and ensuring that with effective and timely dissemination of information a positive corporate image is created that ensures a smooth and affirmative relationship with all customers, at all times.Be it a corporate body, company, research institution, non-governmental organisation, PSU, all of them need to have a respectable image and reputation in the eyes of the customer. In today’s day and age of increasing competition, easy access to information and media explosion – reputation management has gained even greater importance. So, corporate communications as a role has become significant and professional in nature while dealing with customers.Gone are the days when corporate communications merely meant ‘wining and dining the client’; it has now emerged as a science and art of perception management. The concept of managing relationships with customers is as old as trade itself, but the focus has always been to sell products and services (Kotler, Philip, Introduction to Marketing Principles). Competition, driven by globalization and the Internet, has changed the face of business. Customers now have a variety of choices and, most importantly, they are becoming far more knowledgeable and demanding. The power has truly shifted to the customer. With this scenario, most companies realize that they need to treat their customers with more care.Companies are now desperately searching for different ways to manage their relationships effectively, not only to acquire new customers, but also to retain the existing ones. According to a Harvard Business Review Study by Reicheld & Sasser, some companies can boost their profits by almost 100% by retaining just 5% or more of their existing customers.Customers express their satisfaction in many ways. When they are satisfied, they mostly say nothing but return again, and again, to buy or use more. Measuring satisfaction is only half the story. It is also necessary to determine customers’ expectations or the importance they attach to different overtures of a brand, otherwise resources could be spent raising satisfaction levels of things that do not matter. The measurement of expectations or importance is more difficult than the measurement of satisfaction. Many people do not know or cannot admit, even to themselves, what is important.Consumers do not spend their time rationalizing why they do things, their views change and they may not be able to easily communicate or admit to the complex issues in the buying argument. A customer satisfaction index is a snapshot at a point in time. People’s views change continuously and the performance of companies in delivering customer satisfaction is also changing. Measuring satisfaction must be a continuous process. (Paul & Nick Hague, White paper on Customer Satisfaction Surveys, B2B International Ltd.)Even when experts discuss CRM, the discussion is almost always from the point of view of marketing, sales and business development. Seldom is CRM looked upon as a ‘goal’ that every organization should actively pursue. Often it is looked upon as a tool that every organisation could use. The differences are plenty. And CRM is not an IT function. CRM is more often a function of communication, by the company directly, through an intermediary such as a PR agency or simply through the media.Successful CRM practices is not about statistics, data warehousing or loyalty programs, rather it is about competing in the relationship dimension-not as an alternative to having a competitive product or reasonable price-but acting as a differentiator in terms of ‘feelings for the customer’, however abstractly – and sometimes absurdly – romantic that may sound. If brands can get an edge based on how customers feel about the brand, it’s a much more sustainable relationship in the long run. This feeling for a brand, as brand theorists prefer to call it is directly proportional to the communication efforts, written words and spoken sentences, that emanate from a company.Link it to the corporate communication strategy and you will have a direct connect between the company and its customer. The critical dimension of any CRM practice is the relationship that a brand shares with its customers. Using the word customer itself may sound a trifle improper here because ‘customer’ implies that the person is ‘outside’ a relationship. And any relationship is expressed and nurtured by communication.Almost always marketers try to understand a customer from the marketing perspective, as people who have to be ‘given’ something to retain their loyalty. This naturally places them on a moral (and commercial) pedestal that enables them to look down upon hapless customers as beneficiaries of their largess. In communication parlance this signifies up and down power positions. And in a relationship between equals the power position is not hierarchical. Sometimes the anachronistic social mindset refuses to place the customer on even keel with a brand – and vice versa – painting him as a king, or as an unrealistically greedy pauper.CRM is a simple process, because establishing a relationship is simple. Nowhere is understanding more profound than when it comes to human emotions… but surprisingly the very same human emotions have been overlooked by companies while interacting with their customers.What is a relationship? When is there a relationship between two entities? What is the role of corporate communications in establishing, maintaining and fulfilling such relationships? Relationship could simply mean to be a particular type of connection existing between people related to with each other biologically or emotionally and having social or economic dealings with each other. Unfortunately all pretenses of dealing with relationships that often ask for simplicity, empathy, credibility and sincerity cease the moment commercial returns on investments are discussed. Which is what communication is all about; communicating to customers, and not with them.Researchers have often argued that to understand brand-customer relationships, it is necessary to consider what the brand thinks of its customers, more than what the customers think of a brand. Marketers struggle hard to enhance the satisfaction of customers only to find that they choose their competitors. Why does this happen? Research has further shown that investments in customer communication, which logically seems to be the most crucial aspect in a relationship, has been the most neglected area in most companies.The argument for this lies in the reality that 65% of all customer service activities are outsourced to business processing units (BPUs). That means the brand does not directly handle customer interactions and queries – unless they are of a certain level, of course. This is akin to asking your friend to talk to your representative about everything that you want to say, including… affairs of the heart, and speak directly only if it is something serious! This attitude, in the first instance, is marketing-driven and one-sided. There are also many brand loyalty programs, which are being attempted by marketers in isolation without the back up support of several other relevant and related strategies. There is a distinctive need for marketers to understand the importance of customer communication, and not merely look at it from the point of view of PR, Advertising or other known corporate forms of communication.Often corporate communication strategies are designed… to work as a bridge between stakeholders, to justify policies and decisions, to deliver business strategies, to inform and persuade, and of course to emphasize that the company is committed to putting customer interests first, almost as an afterthought!Thus corporate communications is almost always understood as a process used to build, foster, nurture and extend business relationships with customers. This is unfortunately a bureaucratic understanding, as GE’s former CEO Jack Welch says, “Bureaucracies love to focus inward. It’s not that they dislike customers; they just don’t find them as interesting as themselves.” And the communication reflects it.In ‘Customers Are People: The Human Touch’, author Jon McKean states that in competitive markets, where customers have a choice between similar products and pricing, “70% percent of customer decision-making is based on how customers are treated.” “Yet,” McKean adds, “Over 80 per cent of customer initiatives are focused on ‘selling to customers better’ through superior products, prices and promotions, than in investing more resources in treating customers better…” How best can a person be treated? By simply being talked to in a better manner.The question staring squarely on the faces of companies is: “How to make a customer loyal?” When companies talk of relationships where customers have real choices, they are honestly trying to be the best suitor to the customer, ‘as the customer sees it’, and not ‘as they want the customer to see it’. Reichheld and other loyalty experts have studied this issue for years and have concluded that relationships are driven by the behaviour and perception of customers of the value of the relationship that exists between the brand and himself, which is the net result of what economic and psychological value the customer receives from the brand.According to psychologists customers’ emotional states influence about 50 percent of the value they perceive from their purchases. Jim Barnes, author of ‘Secrets of Customer Relationship Management: It’s All About How You Make Them Feel’, sums it up by saying, “Value is created every time a customer is made to feel welcome, important and valued.”After reasonably agreeing to the fact that the important aspects in CRM are relationship and how customers, on account of their distinct behaviour and personality, differently and uniquely perceive a relationship, it is also imperative to stress on the point that corporate communication is the prime driver of any relationship. As the leading Indian telecom brand AirTel shows in its advertisements, communication is all about expressing oneself.A brand identity is shaped by a collective interactive experience of customers, product, policy, and strategy. Which is why developing a brand-customer relationship is important. The choice is simple: either a brand makes a customer experience or it gets created despite the brand. To create a successful relationship, the brand must develop a compelling identity with the customer and have a genuine value proposition. The brand must rely on customer perspective, appreciate the viewpoint and have the ability to communicate appropriately. A common pitfall for many brands is that they do not take the time to think about how they should articulate the brand identity. Needless to say, a successful brand strategy is incomplete without a sound communications strategy. The organization must be aligned in ways that anticipate and fulfill customers’ emotional expectations at every touch point to create meaningful relationships and lasting competitive advantage.Successful customer communication clearly highlights the brand’s functional, emotional, and self-expressive benefits, as the customer would like to see. It is delivered in a way that is superior or unique when compared to competitors. Customer experience is shaped by a series of interactions with an organization.According to Jonathan Hardcastle, barriers to effective communication such as frames of reference, value judgments, selective listening, filtering and distrust (all between sender and receiver) complicate the communication systems and messages. However, these can be overcome by sending clear, complete, and specific messages, which are to put it rather romantically, ‘straight from the heart’. Demonstrating love and affection, clarifying intentions, being reliable and dynamic can enhance credibility, exhibiting warmth and friendliness, and building a positive image. Soliciting and providing specific feedback can also enhance communication effectiveness between partners, which is what brands should consider customers as.One of the most important consumer satisfaction elements is the ability to ask questions and being able to receive appropriately satisfying answers from the brand’s representatives. Gaining information, uncovering motives, giving incentives, obtaining participation, checking understanding, initiating the thinking process, inducing agreements, and refocusing attention, are all essential components of an effective consumer communication plan, says Hardcastle. Thus, the active listening skills of a brand help to build rapport with customers that is both intimate and empathetic.The other most important aspect is the subtle non-verbal communication of a brand and the customers, that is useful both in reading the underlying emotions and attitudes of customers, while reinforcing a brand’s verbal messages. Understanding subtle communication can enhance the brand-customer relationship.Coupled with this are improving standards of technology and devices that add an edge to the communication process. Unfortunately over-dependence on technology and automation has had an adverse impact on customer relationship. While on one hand brands talk of a relationship – a concept normally associated with living things largely and human beings in particular – on the other hand the overuse of technology has led to a dissociation that has taken the customer and brand away from each other. This dichotomous situation has to be recognised by the brand as well as the customer, for communication is all about power positions, and it is important to understand that in a relationship the power positions are on an even keel.Concluding, due to the growing complexity and turbulence of the business environment and the related growth in research knowledge about customer behavior patterns, managers of the 21st century have to take four themes as paramount; the necessity of managing the challenges of change; functioning within a global environment; being sensitive to the diversity among people; and behaving with ethical integrity.The final ingredient that binds a customer to your brand in a lasting relationship is dialogue. Your company’s brand isn’t a monolithic, hermetic face that the organization presents to the world. Rather, it’s an ongoing exchange where you listen carefully to your customers, understand what they say, and respond by modifying your value proposition and extending your businesses appropriately to fulfil customers’ desires. You exist because of the customer. This selflessness is the cornerstone to successful CRM.Therefore any corporate communication effort should focus broadly on three aspects: understanding relationships, understanding the distinct behaviour of consumers to relationship overtures and understanding (and establishing) the role of communication in effective and enduring customer relationships.

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Real Estate Investment in Israel

In this day and age, many people are wary of investing in the unstable stock market which requires a lot of time and expertise. Unfortunately, leaving excess money in the bank is hardly an attractive option given the current rock bottom interest rates. One avenue of investment which hasn’t lost its charm is real estate.Real estate investments in Israel create both a passive and active income for the investor. If the investor chooses to rent out his or her property, they may collect rent money, as well as reap the benefits of the steadily rising value of their property. Given the nature of the real estate market in Israel, this kind of investment provides both stability and relatively high capital gains.Many people fear making an investment while the market is down, but low prices shouldn’t deter. The right investment will be profitable at any time. Of course, an economic crisis holds greater risks, but it also holds greater opportunities for profit than other times. In Israel, recent years have brought about many changes: new railways, roads, infrastructure, schools and many military headquarters moving to the southern part of the country mean many great opportunities for wise investors. A small property in the periphery of Israel will usually mean higher yields from rent, while at the same time, investment in real estate in one of the major cities is still a good, reliable and more secure option.So how does one choose where to invest? In what? And whether to do so in Israel or some other country altogether? The most important advice is to research and thoroughly check all the options. Independently investing in real estate requires knowledge, understanding and information. Many people opt out of investing in this field although they have the required capital, just because they lack the necessary knowledge; they know they are missing out on golden opportunities. This article aims to highlight a few of the important things one must consider regarding real estate investments in Israel.Before beginning the search for the perfect investment, it’s important to plan and define the details of the investment, including the following subjects:- The purpose of the investment: if you are aiming for maximum returns, you might consider investing in housing units in the Tel Aviv central bus station area, where the rent potential from the foreign workers who inhabit the area will probably be higher than other alternatives. However, you should ask yourself whether you are prepared to deal with the inevitable day to day maintenance that accompany such a choice: collecting rent on a weekly basis, working with different populations. You should also take into account future needs: will you want to live in the apartment or to make it available for family at some point? In that case the character of the neighborhood, and vicinity to the center should also be taken into consideration.- Partners: Will you be investing alone or with a partner? A partner may be a family member, friend or business acquaintance. There are many advantages to investing with a partner: risk dispersing (for instance, you could invest in two halves of two apartments in different locations), shared planning and research etc. But shared investments are not for everyone, and come with the dangers any joint venture naturally encapsulates.- Level of risk: How “risk averse” are you? Someone who is “risk averse” will prefer a solid investment in an established location such as central Tel Aviv or Jerusalem, whilst a “risk taker” may prefer to invest in less “conventional” areas with less predictable prices but more potential for profit, such as Sderot, Ariel and more peripheral areas of Israel.- Correct financial planning of the investment:- Is your investment based on private equity? Or will you be taking on a mortgage? The level of equity you have will impact the amount of leveraging and the quality of the loan you get. These factors should be considered before searching for the right property, as they will determine the optimal amount for your investment.- Risk management: what are the potential risks associated with the investment, and how would you deal with them should they be realized? Although Israel has enjoyed financial stability compared to other countries across the globe, and has escaped the last global economic crisis more or less unscathed, there are inherent risks to investing in any market. A few examples include sudden inflation, an abrupt change in the dollar-shekel exchange rates, a deceleration of the renting market. You should leave a margin of equity that will enable you to return any debts and loans you have taken on, bearing in mind such scenarios and others.- Defining the nature of the property: this is one of the most challenging aspects of the investment process. For maximum gains, this stage must be carried out with due care and thought. Some of the most important aspects influencing the potential revenue from a property are:- Location of the property (central areas are the most popular, but are also the most expensive. A small property on the outskirts of a major city may yield higher returns)- Size of property (most renters live alone or with a partner. 1-2 bedroom apartments are popular amongst renters, while larger apartments usually incur bigger utility costs and municipal taxes)- Accessibility (vicinity to public transport routes, availability of parking etc.)- PriceApart from these issues to consider, it is important not to fall into the following “traps”. What NOT to do:- Investing in a property in your “comfort zone”: Israel holds many opportunities for the wise investor. But it is important not to choose an investment based on your fondness for a certain “comfort area”, be it because it is a favorite holiday location, close to family members, a job etc. One should choose an area to invest based on cold hard and objective returns potential, unless the investment will be a place of residence.- Full reliance on personal capital: It is better to consider leveraging your investment, even if you could afford it on your own. This decreases the risk and allows you to make further investments.- Not leaving an emergency “cushion”: Do not acquire a property for a total cost that leaves no room for unexpected payments and costs. Take into account additional costs such as purchase tax, payments to a realtor, an attorney, renovation funds etc, as well as additional unforeseen costs.Once you have properly outlined the nature of your investment, its purpose and scope, you are ready to invest. But there are still many more questions to consider: whether to buy a new apartment from a contractor, or an existing apartment (and what to look out for in each type of deal), the crucial tax implications of investing in different kinds of properties (which may affect the entire profitability of the investment), and once you have decided upon a property – what are the necessary legal precautions you should be taking. In order to protect your interests at all times whilst making the best investment, it is always recommended to consult an attorney who specializes in the field.

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Is Permission Based Email Marketing Ethically

As the internet is flooded with aspiring online home-based entrepreneurs and marketers, web consumers are constantly receiving their emails promoting their brands and wares. Today, a lot of ‘junk’ email is received in the email in-box just like yesteryears’ when post boxes outside the homes were filled with junk mail.If marketers want better results from their marketing efforts, they must adopt the better marketing approaches, although their marketing strategies may be versatile and powerful. It is possible to enjoy higher Return On Investment (ROIs) using the best of email marketing strategies, but without the proper marketing ethics, even the best marketing strategies and campaigns could fall flat.Effective Email MarketingEmail marketing has been proven as a very effective online marketing strategy for online business ventures. This is due to the fact that many consumers have emails and advanced technological devices such as smartphones and mobile devices with Wi-Fi facilities. These components are sufficient to send and receive emails at any time from anyone to anywhere.Modern consumers with emails tend to check on their emails a couple of times a day. This consumer habit benefits businesses that manipulate emails to reach their targeted niche markets or secure a wider audience in promoting their business. Effective emails would draw consumers to be potential leads to the business where a building of strong relations could convert potential leads to customers.Email marketing is also cheap and fast. The advanced technologies of today lower the cost of sending an email compared to slow mail and other traditional marketing strategies. This is an excellent marketing tool for new businesses that are low in budget. Organic and free web traffic could be harnessed through a proper implementation, although paid traffic could also be procured quickly for the desired business marketing activities.However, the wrong way of manipulating email marketing could backfire on the marketer where web consumers become annoyed and against the brand or business. This could happen with spam emails which take up busy consumers’ time and inbox space. A bad impression could be impinged on the brand and business which does not augur well with the marketer in the marketplace. Hence, it is crucial for the marketer or entrepreneur to adopt good marketing ethics in engaging email marketing to win over customers.Permission Based Email MarketingMarketers thinking of engaging in email marketing to promote their brand and business wares today should consider implementing permission based email marketing. This is an ethical approach towards email marketing where marketers request the permission of targeted potential leads to be opted into their customer database or email listing.This form of email marketing approach is also known as opt-in marketing whereby email recipients are given an opportunity to say ‘yes’ to receiving business news via emails. The securing of consumers’ permission makes it easier for the marketer to send relevant emails of marketing information without worrying about annoying the recipient.Once permission is secured from identified business prospects, better marketing campaigns could be designed to increase the chances of compelling potential leads to make purchases and be converted as business customers. When the business lead opts into the business emailing list, the marketer requires less effort and time in developing the best of promo materials to benefit the consumer.This form of marketing helps to boost the bottom line of the business as more quality time could be identified in establishing strong customer relations to generate trust, respect and confidence between the two parties. It would be easier for the marketer to secure more accurate information from the potential leads through online surveys in various emails sent to understand the needs of the consumers better.The proper approach of permission based email marketing which the marketer is to adopt is by providing an online opt-in form via emails or at the web business site where the potential leads indicate their consent in receiving further updates or news regarding the brand or business from this particular marketer.This approach confirms the potential lead’s interest and inclination towards the brand and company to empower the marketer in sending relevant emails to the potential leads. When an appropriate business email is sent to these potential leads, it is possible for these potential leads to find favorable and value added products or services which they could order or purchase via the marketer. The marketer would enjoy better bottom lines from the highest number of sales triggered from these potential leads who are now inclined towards the brand or business.Ethical MarketingEthical marketing via emails is a strong testimony of the marketer’s character which calls for mutual respect and integrity. Marketers who exercise ethical marketing are highly respected in the market with a strong show of upright character which augurs well with all consumers. This is unlike interruption marketing which is spamming consumers’ email in-boxes regardless of consumers’ feelings and feedback.Spamming is very much frowned upon by marketers pushing loads of promo emails to their list of potential leads in the market. Marketers could be desperate to such unethical marketing approaches when their business fluctuates with the market. Modern consumers do not like marketers to coerce them into accepting the brand or business offerings through numerous emails which could clutter up their in-box, especially when marketers spam their in-boxes with multiple copies of the same message.Ethical marketing is powerful in this era as mutual respect is exercised and business opportunities come at the right time for the marketers to present their brand or business benefits. Politeness in marketing campaigns wins more customers than forceful approaches. Opted in customers remain loyal and positive towards the brand and business when they are able to exercise their free will in choosing their brand and company for products and services.Loyal customers through permission based email marketing make purchases on the brand which keep the business afloat in all seasons. They could also help to spread the word about the brand and business if they are truly satisfied with the product or service rendered.

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