When was the last time that you placed a single advertisement and made a million dollars? Have you ever asked yourself why you have to place ads over and over again? This article will explain how advertising works and if you understand the concept that I am about to teach you than you will be on the road to greater rewards.First of all have you ever tried to get through a door without using a key? Did you push on it with your shoulder? How far did you get? Did it work? So after you pushed on it the first time and it didn’t open, how many times after that did you push on it again? My point is that in order to succeed you had to repeat the same task over and over and over again. Just pushing one time to open the door did not work. This task requires multiple pushes.Advertising Doesn’t WorkWell the same can be said about advertising. The truth is that advertising does not work. Let me repeat that, advertising does not work. If it did work you could place a single ad and never do another one and make millions of dollars. Advertising is a broken vehicle. Because of this stated fact that is why you have to be repetitive.Please do not think that this article is going to tell you not to advertise because I am not. That is not the point. What we are saying is that a lot of people fail in business because they do not understand how advertising works. Advertising should not be confused with marketing. It is just a tool that marketers use to get attention for their product or service. Advertising is the process of giving intelligence. It is publishing. Advertising has its focus on our senses one by one or in a combination. Advertising does not feel it makes people feel. Advertising should be designed to touch someone.Advertising is only a tool like a pencil, a map or a computer. When used this way the benefits will out weigh its limitations. Advertising makes expressions, it is not able to make discernments. It cannot tell if someone is interested or not interested its only job is to give intelligence. This is a process.People Like To Be Sold Through AdvertisingWhatever you do at all cost do not try and make the process of advertising human. In other words advertising should draw the human out of people and not try to be one. Many marketers fail at this. Do not think that your advertisement has to answer questions. Instead they should create them in your clients mind causing them to look for you. Advertising gets people in the door to meet you. Once they are there it is your turn to proceed.Now people look at advertising like it is a key. People love advertising. Advertising brings new ideas, intelligence. Advertising does for people what words do for paper. It gives instruction by raising questions like, “if I bought this service could it solve this problem for me”. By a good use of questions advertising tells people where to go to get more without them realizing it. A reason why many advertisements fail is because they tell people what to do without giving the person another option. Advertising qualifies people. You want your advertisements to be open ended not closed ended. You want people to see as many uses for your product or service as the mind can hold. A good advertisement is like having a team of salespeople. In your clients mind “no” is not an option because they will see all the many benefits of saying “yes” one solution at a time. When this is done the emotions take over and your client will likely proceed with the sale. Let your advertisements allow your clients to dream.The World Needs Your AdvertisementWithout advertising the world would be a much smaller place. Advertising connects people with ideas. Use your advertising to your own advantage to get what you want. When done with the right motivation and understanding an ad campaign done over an over again can be compelling.Doing the right thing not well enough in the past seemed to be my only forte. When I started to think about how my ads would make people feel it was like I grew up ten years. Today I pay very close attention to my advertisements. My goal is always to show people that my business is for their benefit.Remember to keep what you want your customers to feel in mind as you float your advertisement campaigns on the internet. Advertising is the giving of intelligence. The best way to advertise is to think about how what you say will make your client react. Since advertising is a broken vehicle keep doing it from different angles. Cover all of your bases. This way your sales will grow faster and become predictable.
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5 Main Types Of Credit Card And Features Explained
Credit cards have become a fact of life. Most of us have at least one or are thinking of getting one. In spite of this not many of us are actually aware of the different types of it available. Knowledge of the types of cards in the market will help increase our options so that we can pick out a card most suitable for our needs and situation. Read on for 5 different types of credit cards that you can choose from.Unsecured Revolving:These are the general credit cards that most are familiar with. The features are as follows:
The card comes with a credit limit based upon the cardholder’s credit history. The cardholder is allowed to purchase products and services up to the credit limit. The merchant selling the product or service processes the cardholder´s credit card information and sends it to the bank issuing the card. The bank reimburses the merchant immediately or within days. This loan received by the cardholder is unsecured. The cardholder may choose to pay off the loan within the non-interest grace period. Otherwise he or she may pay the minimum and carry the balance forward to the next month. Annual Percentage Rate (APR) is applied to the balance. An unsecured revolving credit card is generally issued to consumers who have good credit history. The main purpose of the card is to provide the cardholder with purchasing power that he or she may not have at point-of-sale.Secured:Secured credit cards are generally suitable for someone new to it and has no credit history to qualify for a unsecured credit card or for someone who has screwed up his or her credit history and would like to rebuild it. The features of this type are as follows:
The cardholder must deposit a sum of money as collateral with the bank issuing the secured credit card. It comes with a credit limit equal to, a percentage lower than or higher than the money deposited. The cardholder is authorized make purchases up to the limit. The payment transaction is processed as above. The cardholder may choose to pay off the loan within the non-interest grace period or pay the minimum and revolve the balance to the next month. Annual Percentage Rate (APR) is applied to the balance. Usually the fees and APR applied to a secured one is much higher than an unsecured one. The main difference between this type of credit card and the general one is the type of credit. While cardholders enjoy an unsecured loan on the card mentioned above, a secured credit card holder must ensure that he or she has deposited a sum of money with the institution issuing the card. Having a credit limit close to the sum of money deposited ensures that you only spend what you can afford. This prevents the danger of getting knee deep in credit card debt problems. However, do not use a secured one for a period longer than necessary as it may affect your credit history. If you believe that you can be responsible with it, you should be able to handle an unsecured credit card too.Charge CardsCharge cards share features similar to unsecured credit cards. The differences are as follows:
The cardholder is not allowed to carry forward any balance. The entire balance on each bill must be paid off every month. Given this non-revolving feature, there are no interest charges or APR involved in this card. Store CardsA store card is like an unsecured credit card due to the following features:
The cardholder is allowed to purchase products and services up to the credit limit determined by his or her credit history. The transaction process is the same as that of the above mentioned card types. The cardholder may choose to pay off the loan within the non-interest grace period or pay the minimum and revolve the balance to the next month. Annual Percentage Rate (APR) is applied to the balance. The main difference between the store card and the general credit card is that the cardholder can use it to purchase products and services only from the store issuing the card. Cardholders are entitled to benefits and special discounts pertaining to the products and services of the store. However, the fees and APR applied to the store cards are higher than general ones. Recently, there is a shift in store cards. More and more of these store cards now come with a VISA or MasterCard feature that permits their usage.Affinity CardsEverything about the affinity card is similar to the general one. The only differences are as follows:
The affinity card is not issued by the bank alone. It is co-issued another sponsoring organization whose logo appears on the card. The cardholder gets cash back, rewards or other benefits related to the sponsoring organization when using it. The bank would pay the sponsoring organization part of the profits whenever the cardholder uses the card. If the sponsoring organization is a charity, the cardholder will basically be donating to it every time he or she uses the card. Regardless of the type of card you settle on based on your needs and wants, ensure that you read the fine print in your agreement very conscientiously. Be aware of ridiculously high charges or arbitrarily added on fees.
We Predict You’ll Love Asset Financing Credit Facilities When Seeking Business Finance Loans
Making a prediction is a sometimes risky scenario, potentially damaging to your credibility, but we’re quite confident in saying that Canadian business owners will recognize non bank asset financing as credit facilities for business finance loans to be the best thing they every heard of when it comes to financing their business.Quite frankly we don’t think we exactly going out and making a stretch comment because, hundreds if not thousands of Canadian firms are investigating and utilizing this type of financing.As the Canadian business economy turns itself around going into 2011 most of are clients are finally focused on growth again.But how is that growth to be financing, since lending standards and criteria at institutions such as the banks don’t appear to have been liberalized at the same pace that your company hopes to grow at!That’s where our trend prediction comes in. Asset based lending focuses on your assets and growth opportunities – it doesn’t focus on rations, tangible equity in your company, rations, covenants, cash flow coverage, etc, etc, etc!So you are picking up on the opportunity, let’s see how things work. Asset based lenders keep it simple, they lend a very high value against your ongoing assets. What are the typical assets lent against – you can almost guess what they are. They are receivables, inventory, unencumbered equipment and real estate.The big mystery around asset based lending in Canada, based on conversations with our clients, is that business owners don’t really know or understand who these firms are. So we’ll tell you.They are specialized firms, both Canadian and U.S. based, that focus solely on providing credit facilities and business finance loans with your assets as security. They take the same security as a Canadian chartered bank would, and you manage your facility on a day to day basis, drawing down cash as you need it. Funds are wired into your account as you need them, based on… guess what… assets! That really is the one key difference that our clients pick up on, that the total focus of this type of assets financing is the collateral itself.We already know your next question… because we’ve heard it a hundred times before. Its’ how much can we get ‘… followed by what does it cost.
Speaking in general terms your receivables are financed at 90% of their value, and because of the nature and marketability of different types of inventory this type of collateral is margined anywhere from 25-75%. Recall we had noted that unencumbered equipment can be drawn against also. Typically an appraised current market or liquidation value is agreed upon with you and the asset financing provider.Costs vary around this type of financing. On occasion it is competitive with bank financing – and giving you twice the liquidity – but more often than not it’s more expensive. You offset those costs by greater access to credit facilities that will grow your business and profits.Speak to a trusted, credible and experienced Canadian business financing advisor who can walk you through the Canadian landscape of business finance loans in the asset based lending area. You’ll quickly find, we think, that our prediction is becoming more true every day, asset based financing is hot! And here to stay.