Creative Packaging and Pricing
April 22, 2008
Creative Packaging and Pricing
by: Wendy Maynard
To make more money with what you are already offering, consider different strategies to make it easier for people to purchase what you offer. Restructuring your pricing and packaging creates more options for your customers. Here are some examples:
1) Bundle them. Offer your services in monthly increments. Instead of working with people session by session, offer a bundle of services. For instance, a personal trainer can offer sets of workouts for 3, months, 6 months, or a year. Add value by including a workbook to chart workout progress. You can also create levels of advancement to create more options for clients. Consider a silver, gold, and platinum program. Each level is a higher price and offers more value to your clients.
If you offer products, consider other ways to bundle things. For instance, a garden shop can put together a spring garden package that includes flower bulbs, a trowel, wildflower seeds, and gardeners’ gloves. A restaurant could start packaging their sauces and selling them to customers to take home. A life coach could put together a notebook and CD set to sell online.
Life Insurance - Who Needs It
April 21, 2008
Life Insurance - Who Needs It
by: Neil Mercer
Why Do You need Life Insurance Cover?
Who needs it?
Life Insurance cover provides either a lump sum or an income on the untimely death of an individual. Therefore, anyone who’s death would create a financial loss to another has a need for life insurance cover. This could/should include the following: -
Parties to a Mortgage or indeed a loan (mortgage life insurance cover)
Anyone with dependents (whilst a parent may not work, surely there would be a financial loss if anything were to happen whilst there are young children to be cared for)
Key Individuals. Where a business would suffer financial loss on the death of an essential employee.
In essence any situation where monetary loss would be incurred could possibly have a need for life insurance cover.
630,000 people in the UK will die this year* *source:National Statistics, Winter 2002
Types of Cover
Term Life Insurance
FOREX Trading Strategies
April 20, 2008
FOREX Trading Strategies
by: Gay Redmile
The world of trading and investment can be as frustrating as it can be rewarding! And FOREX (Foreign Exchange) is no exception - often described as risky, profitable and complicated.
Forex is the largest trading market in the world.
Forex is the worldwide market for buying and selling currencies. These markets were developed to cater for the supply and demand of different currencies by governments, companies and individuals - for international trade and assisting importers and exporters.
Therefore those who trade in this market include consumers, businesses, investors, speculators and the banking industry.
Different countries use different currencies - which vary in their values against each other. Forex trading invovles the buying and selling of two currencies - trading pairs - you are selling one and buying another eg you may use the US dollar to purchase British pounds - if the supply of the pound lessens - it will cost more dollars to buy pounds - the Forex trader hopes to sell their pounds at a higher price than the purchase price.
A speculator in Forex is someone who accepts the possibility of adverse exchange-rate movements in the hope of making a profit from favourable movements in currency.
Facts About The APR Of Credit Cards
April 19, 2008
Facts About The APR Of Credit Cards
by: Michael Colucci
When it comes to credit cards, the APR or annual percentage rates is always the ultimate source of confusion and chaos for most credit card users. If you don’t have a credit card but planning on applying for one or you were just recently approved for a credit card then you must definitely read this article. Everything about APR of credit cards shall be explained so read carefully and remember!
What’s APR? Basically, the APR or annual percentage rate of a credit card is the combination of low interest rates and finance charges. With that said, let’s move on to the next topic.
Are There Really Zero Percent (0%) APR Intro Rates And What Does It Mean? - Let’s say you already own a credit card and you’ve used up most of your credit already. With a 0% APR intro rate credit card, you can transfer your balance without incurring additional interest.
Nice, isn’t it? Also, if you’re planning to purchase something but paying it off before the intro period is over then yes, having a 0% APR intro rate credit card is the best option for you. Remember, the keyword here is intro - which indicates that this is only something like an introductory offer so don’t expect the 0% APR to last forever.
Everything About 0% Intro Rate Credit Cards
April 19, 2008
Everything About 0% Intro Rate Credit Cards
by: Michael Colucci
Tired of reading review after review about 0% APR intro rate credit cards? Having no luck when it comes to finding an all-in-one-review about 0% APR intro rate credit cards? Confused with what you’ve read so far about 0% APR intro rate credit cards because everything seems to be contradictory? Well, look no more because this article is indeed what you’re looking for.
In here, you’ll learn everything you want to know about 0% APR intro rate credit cards. In this article, you may also discover more than you bargained about 0% APR intro rate credit cards - in a good way, of course. Ready for Lesson Number One about 0% APR intro rate credit cards? Well, here goes.
It’s True - Yes, 0% APR intro rate credit cards do exist and if we have our way about it, you’ll be one of the lucky people to qualify for a 0% APR intro rate credit cards.
The Application Process - Applying for any credit card, whether it’s for 0% APR intro rate credit cards or for credit cards offering reward points is always a tad difficult so don’t expect overnight success, especially since you’re angling for 0% APR intro rates.
An Analysis Of Journal Communications (JRN)
April 18, 2008
An Analysis Of Journal Communications (JRN)
by: Geoff Gannon
Journal Communications (JRN) is comprised of seven essentially separate businesses: The Milwaukee Sentinel, Community Newspapers, Television Stations, Radio Stations, Telecommunications, Printing Services, and Direct Marketing. The company’s five reportable segments do not exactly match these seven businesses; however, I believe an investor should analyze JRN on the basis of these seven businesses and their constituent properties, rather than as a single going concern with five reportable business segments. Additional reasons for this belief will be outlined below. For now, it is sufficient to say that if Journal Communications were to divide into seven separate public companies, the combined market value of those companies would be substantially greater than JRN’s current enterprise value. Simply put, the sum of the parts would be valued more highly than the whole.
Journal Communications has an enterprise value of just under $1 billion. Pre-tax owner’s earnings are probably around $125 million. So, JRN trades at eight times pre-tax owner’s earnings. That’s cheap.
Investing in the Stock Market
April 17, 2008
From the book ‘The Stockopoly Plan’ by the author Charles M. O’Melia
There are several factors an investor in the stock market should consider:
1. All stock purchases should be commission-free.
2. All stocks purchased should be from a company that has a history of raising their dividends every year.
3. The company should not only have a history of raising their dividend every year, but should also show price appreciation in the market place, on a year to year basis.
4. All dividends from the companies should be rolled-over into more shares of the company, until retirement. This should be done by the company, for the shareholder, commission- free.
5. The companies purchased should have staggered dividend pay-out dates so the income from 12 companies will provide the shareholder cash dividend income every week of the year. No more than 12 companies should be owned, otherwise, you’re probably spreading your money too thin.
6. A systematic approach of dollar-cost averaging should be done on a quarterly basis. A savings plan should be adopted to add to your holdings every quarter, along with the dividend reinvestment.
Plan To Succeed In Your Business
April 16, 2008
Plan To Succeed In Your Business
by: Jennifer Givler
We’ve all heard the saying: If you fail to plan, you plan to fail. But I like to think of it another way. Ask yourself, “am I planning to succeed?”
In business, it’s important to follow a plan. It’s important to have a plan for your year, each week, and each day. Otherwise, you’re being reactive in your business instead of being proactive. When you’re proactive, you control your business - it doesn’t control you.
Here are three easy-to-follow tips to creating and following a successful plan:
1. Start with the end in mind. Set a deadline for your goal. Write the completion of your goal on the deadline date in your calendar. Then, work backward by putting tasks in your calendar each day or each week. For example, if you want to send out a mailing this spring, choose the date that you want the mailing to go out. Then, work backward to create a to-do list each week. If you wanted to send your mailing out on April 1, you would write, “edit mailing” on March 31, and “finish creating mailing” on March 30 and so on. Do this for each goal that you have. Before you know it, you’ll have weekly, and even daily plans laid out.
Applying For a 0% Intro Rate Credit Card
April 15, 2008
Applying For a 0% Intro Rate Credit Card
by: Michael Colucci
When it comes to credit cards, the reward credit cards are usually much more popular because more often than not, consumers are dazzled by the concept of earning points and winning prizes for themselves just by using their credit cards. But you see, that’s simply considering one side of reward credit cards - and that’s the nice side, by the way. The other side would be the high interest rates that reward type of credit cards charge its users. So you see, you’re not winning those prizes for free - or at least not completely - unless you have the means to pay for your purchases before the cut-off period or before you get charged with interest.
This article, however, shall enlighten consumers about the less popular type of credit card and that would be the non-reward credit card. A non-reward credit card does not allow you to earn air miles or win gift certificates and other cool prizes for yourself just by swiping your credit card as often as you can. Rather, a non-reward credit card lets you purchase everything you want with a lower interest rate compared to reward type of credit cards.
Business Blog Savvy: Avoiding the 8 Pitfalls of Do-It-Yourself Blogging
April 14, 2008
Business Blog Savvy: Avoiding the 8 Pitfalls of Do-It-Yourself Blogging
by: Patsi Krakoff, Psy. D. and Denise Wakeman
You can pat yourself on the back if you’re one of the thousands of small business professionals that have set up a blog to communicate with your potential clients. Or, maybe you haven’t started your business blog yet, but intend to. Take note now so you can avoid some of the consequences of do-it-yourself blogging.
You’ve heard all the hype, listened to a few podcasts and teleseminars, and finally sorted out for yourself how blogging can really work for your targeted niche of readers and potential clients. You’ve set up your business blog.
Now, you may be asking yourself, “If I’m so smart at my business, why do I have a dumb do-nothing blog?”
Here are a few of the pitfalls of creating your blog without any guidance from blogging experts:
1. You don’t know how to use your blogging software, yet you expect to look like an expert and build credibility. How could you know? Blogs haven’t been around that long, and the blogging software is continually being upgraded. You need to learn how to use your blog features that increase your findability on the Internet and readership. For example, you need to regularly use trackback, pinging, and permalinks features.
