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    Financial Coaching for the Struggling

    It is rather frustrating that we cannot really get a complete control of our money because of a lot of factors surrounding ourselves, the society, and the overall economic situation of the world.

    We see people struggling everyday and get aggravated because they seem to be helpless with their situations and they cannot seem to bounce back from the deficit that they get.

    There is, however, financial coaching. This is actually a fairly new concept where, from the term itself, you ask assistance from someone who has been really successful in handling his or her money.

    These people will help you get back on your feet and teach you all the things that you need to know so you will not be surprised where your money is going. You will definitely be able trace down all the expenses that you have made to find out where the problem lies. They will also help you find a way to get your financial situation improved, even with your current state of work.

    Financial coaching was designed to help those low-income workers to get back on track and be able to get rid themselves of all worries of losing all of their investments, most especially their homes. I myself have been to a lot of Financial trouble. Our business was mismanaged and we lost all our investments. I even had to sell our house and car just to be able to get out debt. Another option which could help you when you are struggling with your finances are these so called personal loans. Just be sure to use this option wisely. Most of the time these comes handy to help you during emergency situations.

     

    Credit Card

    Choosing a type of credit card to get is very essential. Yu have to compare different company of credit cards s to each other to find the card that would best suit your needs. There are a lot of credit cards you can choose from, some offer low interest rates, there are also these cash back cards and even reward credit cards and the new ones are the ones that offers money transfer or fund transfer from one bank to another.
    The best cards mostly have a few things in common. You would definitely want to go for low interest cards which can save you money on your purchases. You will also be able to tell if a credit card is good if it offers rewards and rebates. These are forms of incentives for choosing their card over other competing companies. You should carefully keep an eye on different offers you receive look for a credit card which will offer you most perks for the least amount of money!
    Here in Asia, particularly in Philippines, getting a credit card is very easy as long as you will present the requirements like you proof of billing, proof of income and some identifications. Because getting a card is that easy, being fraud is very vigilant too. So you have to take care of your identity and your card as well to be involved in such scams as this. Fraud is jsut everywhere and you will just be surprise that your card is being used in other countries shopping for something you don’t even know.

    Debt collection

    If you haven’t paid your card recently because you lose a job and finding one is impossible lately, you will most likely have to deal with debt collection agents. Usually they come from agencies acting on behalf of creditors or try to ask for workers compensation in your company if they have one. Their main purpose is to collect debts and help workers deal with their finances because creditors don’t have time to chase people that have overdue debts. This collection agency specializes in this work covering the range of legal and negotiating skills. They also have a process for pursuing delinquent people who don’t pay their debts on time. If you are a crediting company, a collection agency is the best thing to have. If an agency is successful when it comes to debt collection, they will get a certain percentage out of it. Iowa workers compensation helped some of my folks deal with their debts and finances.
    Generally collection agencies don’t take over the debt. A person still owes the crediting company the money. Creditors only give these agencies all the power that they can give to help them in collecting money. There are times when collection agencies buy the whole debt from the creditor. They also acquire the right to carry out the whole process when it comes to collecting debt. These agencies are governed by federal laws to avoid collecting fraudulent debts. They can also go to court on behalf of the creditors.

    When and Not to Invest

    Nowadays, investing on annuity has become a threat rather than insurance. Agents, brokerage or anyone who is licensed to sell such contract has become an image of scams. The downfall and foreclosure of these insurance companies has put the finance initiative of simple investors such as regular employees or young entrepreneurs on low market rate. What is sought before as a wise finance life-plan has become nothing more than a door to door direct selling that can’t even count on impulsive buyers. The thorough explanation of the calculated benefits of engaging in annuity has become a bore rather than enlightenment on good investing program.
    Individuals who have put their money and trust on certain companies offering these annuities got nothing but endless follow-ups on check releases that never come. As easy as these annuities were offered, as hard it is to claim the promised benefits. Leaving the investors hanging and wondering if they’d ever get their money’s worth. So what is the wisest way to finance when the used to be trusted annuity companies have let you down? Is it just wise to save your money on your own? Do you want to even try risking at Saxo Capital Markets? Would it be safer to keep your child’s college fund in a piggy bank or your health emergency fund in a sock? Or just go and finance everything on putting up a business that would reap you the same uncertain benefits? No matter what you decide, when money is involved, there is always a risk.

    Starting up your own business

    Starting up your own business is not that easy as it seems. Yes, I know you heard about this cliche a thousand times especially for beginners or someone who wants to join the business band wagon. Well, its really true more than words can explain it. It’s tougher than beating a pro on a poker game or any other gambling games you can think of. But one thing you must possess when planning a business is your strength and courage to face all the trial you will or may encounter.
    I’m the type of businessman who doesn’t want to splurge much when starting up. Who would want that anyway?!? So as much as possible, I try to make use of all my resources I can in putting up the business. If there are some spare tables, chairs, desk, air-cons and other office basic stuff at home or tat can be sponsored by anyone, I would gladly accept it. Like this one time, a friend offered his 5 office chairs with a little defect on its wheels missing some parts. I just bought some caster wheels online and now if you see it, it looks good as new. With those chairs, I have saved bucks and I can use my extra money to other things I have to buy for my office business.

    As much as possible, don’t spend or invest much with those little things. Try to up-cycle, recycle or reuse. Be resourceful. It will save you a lot of moolah for your business.

    Branding Strategy

    Branding is very important in any business that relies on a marketing plan. This is the strategy that is considered to be an effective way to sell products or service. This can also enhance the demand for any product or service in the market. An effective branding will result to making your product and services become popular in the market.  Usually this is developed and designed by people in your marketing team. To make your branding strategy become effective, you may need to do research on your targeted market. For example, your products are frozen yogurt stores that sells not only plain yogurt, but different flavors as well. Most of your targets for this one are those health conscious people, food enthusiasts and those who would really like to try something new. You will need to know the expectations of the people who would potentially avail of your products or services.

    Strategies would involve brand communication, analysis, creative positioning, social media marketing and internet marketing. Before starting any branding strategies, there are elements that would need to be analyzed carefully. These elements come into play by using an action plan. It begins by knowing the advantages of your products over the competition found in the market. This can lead to the proper execution of a good branding strategy. Building an identity is the good way to create branding strategy. The main goal is disseminating the message of your brand. Consider brand character, availability of your product and its reputation. When it comes to marketing your product online, you should first know what keywords your competitors are targeting – study their website, their link building and seo strategy. From there, you should have a clue on how to start your internet marketing campaign. It is a good thing to exploit the internet market since a lot of people nowadays rely thru the web when it comes to searching for certain products and services.

    The best ways to donate

    Recent research released by the BMO Retirement Institute states that 44 percent of Canadian boomers don’t have a plan for donating. The research shows that these boomers are donating on impulse rather than earmarking funds and making a plan.

    The research shows that while Canadian boomers are quite generous, only about 21 percent of them are earmarking money for charitable causes in their estates. Charitable giving is not usually included during the estate planning process.

    Ted Rechtshaffen, with TriDelta Financial Partners in Toronto, believes that Canadian boomers would be more interested in donating to charitable causes if they were more informed on the best ways to donate. Understanding how one can make charitable contributions on nearly any budget can help greatly with estate planning. Rechtshaffen has even developed an online donation planning tool. This tool helps people figure out how much money they can afford to donate to charities. Deciding on how much to donate is the first step in making charitable contributions.

    The Best Ways to Donate

    • Bequest
    • Residual gift
    • Charitable remainder trust
    • Charitable gift annuity
    • Life Insurance Policy

    Becoming more familiar with various donation strategies can help one decide the best way to donate money to important causes. Unfortunately, many people just don’t know all of the options that are available to them.

    Bequest

    Making a gift in one’s will is a common form of charitable giving. The bequest is one of the best ways to donate. This is a strategy that most people are familiar with. The will is drawn up with a specific dollar amount or portion of one’s estate to be donated to the charity or charities of choice upon death. This is a quick and easy way for many people to include a charitable gift in their will. The bequest can be revoked if the will is changed prior to death. The bequest ensures income or use during lifetime. Upon death, the donation is tax deductible on one’s final tax return.

    Residual Gift

    Many Canadian boomers may be interested in donating their property as a residual gift. The interest in one’s home can be donated while one is still living in it. This ensures lifetime use. Upon death, a transfer of the property is made to the charity of choice. There is no way to revoke this gift. Residual gifts are immediately tax deductible, making this an appealing choice for many.

    Charitable Remainder Trust

    The charitable remainder trust is a popular choice for people who wish to leave money to a charity upon their death. This trust actually pays on an annual income based on principal. The principal then reverts to the charity following one’s death. Once the trust has been established, tax receipts are issued immediately. This gift cannot be revoked.

    Charitable Gift Annuity

    The charitable gift annuity combines purchasing an annuity with donating to an important cause. Part of one’s contribution purchases an annuity, while the remaining funds are donated to a charity as a gift. This is an appealing option for those investors with larger budgets. The donation is tax-deductible immediately, and the annuity pays an income. Some of the income may be tax-exempt. A charitable gift annuity typically cannot be revoked. It may be necessary to speak with a financial planner to figure out how much income will be considered tax-free. The taxes are decided based on the difference between what is gifted to a charity and how much income one expects to receive.

    Life Insurance Policy

    Finally, a budget-friendly option is a life insurance policy. Existing policies can be changed to name a charity as the beneficiary. Some people may purchase life insurance just for charitable giving purposes. The premiums paid will be considered tax-deductible. Unfortunately, the full death benefit amount will not be considered tax deductible. This gift is revocable. The beneficiary can be changed at any time. The policy can be cashed in, although that leaves nothing for a donation.

    Deciding on the right strategy begins with contacting a financial planner or lawyer. Many charities also have somebody on staff that can answer questions regarding types of charitable gifts. Ultimately, the donation strategy depends upon each individual situation and budget.

    Michael Gritchie enjoys being economical more than other personal finance author but he also likes to learn new techniques to invest his money. He has bookmarked the following sites to help him gain more knowledge in different investing arenas that include foreign currency trading and generating a good return on investments; OANDA, Investopedia, and the numerous personal finance sites on the internet.

    Text blast

    Social media marketing has gone so far for the year 2012. SOcial networking were the number one tool to make a site rank and for it to shoot to top spot. There goes the battle of facebook and twitter if you want to booze your sites social marketing. On the later part of 2012, I noticed how cellphone is being used also as a tool in web development. They may call it “spam text” or “forwarded text marketing” when you received a message from a certain company that you did not subscribe to.

    Text message marketing is a good strategy for marketing since most of the people who browse the internet uses their mobile phones for easy access to internet. With just one message and once you saw the link. You will get curious on what the link is, then you will go and visit it. Nice try, huh. Text Marketing can be annoying to some, especially if you are getting daily updates from a company you are not interested in. But we can’t blame the marketers, it really is a good tool to promote your product and your site. Be careful where you write your mobile numbers so your contact info won’t be exposed.

    How the Right Packaging Saved My Business

    I have been running my own business for over ten years now. I will admit that there were quite a few bumps in the road that I did not expect. I knew that running your own business was tough, but I had no idea about some of the problems that I would be facing. Don’t take me wrong. If I had a chance to do it all over again, I would have made a lot of the same decisions, and one of those decisions would have been to own and operate my very own business.

     

    My Business

    My business was a little different than what most people choose to do. My business was based on food items. I made hand made chocolates. I have always had a huge sweet tooth ever since I was a little kid. Some people seem to grow out of the sweet tooth, but not me. I wanted to learn how to make the best chocolate in the world. So that is what I set out to do.

     

    One of the problems that I was facing was determining what type of packaging would be best for my world class chocolates. My first attempt at packaging was a huge failure. I did not realize the importance of letting people see the actual finished product. My first packaging was a completely closed design the did not showcase my product at all. People knew what was inside the packaging, but they could not see anything inside the packaging. That is when a business associate told me about polypropylene bags wholesale. My friend told me that this could be the solution to my poor packaging design.

     

    I decided to try it out in my own storefront. I quickly located a company that could supply me with these types of bags. As soon as my order came in, I decided to set up a test. I took one of my best chocolates, and I put it in the old packaging, and I put some in the new packaging. I placed both packages in my local store. The test was a huge success. The chocolates that were in the clear polypropylene bags outsold the regular packaging 2 to 1. I could not believe how something as simple as packaging would affect my sales. I am sure that you know what this meant. This meant that I had to redesign all of my packaging to incorporate clear packages made from polypropylene.

     

    This was just one small hurdle that I had to clear to make my business a success, but it just goes to show that the little things can really make a huge difference. If you are looking for information on packaging, click here to read more.

    Viewing customer retention as a measure of success

    It’s no secret that businesses rely on repeat customers for their success, since attracting new customers can be an unpredictable and intensive process. What’s less clear is the best strategy to ensure customer retention.

    With so many options available to consumers today as far as how they interact with and experience brands, it’s more important than ever to ensure their impression of your business is a good one. Consistently providing a positive customer service experience, particularly in an overcrowded marketplace, has proven to be an effective and cost-efficient way for businesses to differentiate themselves in the minds of consumers.

    This simple concept isn’t relegated solely to the fields of retail or hospitality and travel – automotive and financial companies, as well as homebuilders, can see their status rise on the customer satisfaction index by delivering a better customer service experience.

    But customer retention extends beyond creating goodwill between company and consumer. Businesses can benefit from positive word of mouth – the importance of which continues to increase thanks to social media and networking – and added revenue from repeat businesses.

    So how do you go about improving the customer service experience? GoalLine Solutions has developed a series of services and technological tools to make it easy for clients to measure their performance and devise a plan for improvement. One such solution is boostCX, a web-based program that taps into the customer’s point of view and relays that data back to the client in a user-friendly manner. Conversations are continuously unfolding about your business across social networking platforms, many of which offer insight into how to tackle customer experience improvement.

    With GoalLine Solutions’ help you can also follow up on complaints before they pick up steam, making a genuine attempt at customer retention. A more holistic view of your customers, provided by boostCX, makes it easier to proceed with an effective plan – one that will show tangible results on the customer satisfaction index. You can collect data from web, print, live call or automated IVR surveys, which will connect with a wider sample of your customer base. That means more tips on how to handle customer experience improvement.

    GoalLine Solutions understands the connection between a good score on the customer satisfaction index and customer retention. Visit www.goallinesolutions.com to learn more about products and services that can benefit your business.