Email Marketing for Small Business

According to the experts, one of the must dos for online businesses is to use email marketing to reach potential customers. Apart from the links promoted to redirect people into certain domains, still email marketing has its own ways in helping your business out.

Marketing a business involves a lot of money and this has benefited small to large businesses. This is a breakthrough on the traditional way of marketing in which campaigns are personally and actually directed to the consumers. Such was time consuming and needs more effort and money. With email marketing, everything can reach to the people’s minds including new products and services down to the news and informative articles. This will do your business a huge favor.

Email Marketing Explained

Basically, this is just like the traditional direct mail but this uses the internet and people receive the mail through their emails. In here, you won’t need to print out and send fliers to homes because people will see what you want them to see through their inboxes. With this process, you can easily track down those people who respond to your emails which are a good way to determine potential customers.

Email Marketing Types

Businesses use email marketing in varied ways and below are some:

  • Promotional campaigns
  • Newsletters
  • Invitations
  • Catalog Emails
  • Lead Nurturing
  • Survey Emails
  • Transactional Emails

Depending on which way you want to use email marketing for your business, you need to note that you must get an email marketing service that is reputable and dependable. Always remember that there are pros and cons when engaging with a certain process especially in business. You should be ready for it before deciding to start anything. Also you need to ensure to get help from reputable experts regarding your online marketing needs.

Self-Employment – Not Advised by Expert

UUSIMAA – Being unemployed is really awful especially with the ever-increasing cost of living today. Employed individuals can just turn to hae pikavippi nopeasti when emergency arises. But when you’re not, you’ll get to see yourself thinking for nothing.

Self-employment is said to be the only alternative for many job seekers like students and fresh graduates. And now, this has caused an issue between some experts and the public.

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One unemployed job seeker named Annamari Iranto said that being jobless with higher education qualifications is definitely awful. Moreover, she disagrees on the manner wherein jobless and employment measures are discussed in public through a writing that became viral on the social media. (more…)

The Secret Database Blacklisting Borrowers

There are around 640,000 people who are listed on a scheme database making it hard for them to apply and be approved for any form of secured loans or mortgage. This database is a fraud prevention register that is owned by banks and building societies that blocks borrower from securing loans and mortgages regardless if they are aware or not that they are among the thousands of people in the said database. The National Hunter database was established by some lenders in the year 1993. The main concern of this organization is to prevent fraud. The lender who has any concern on the application of their customer can register them on the said database. These lists could be viewed by over 50 member organization.

Secured loans

At present, there are about 640,000 entries that are listed in the database. What is upsetting is that the companies are not required to inform their customers when they are being listed. Those who are listed will remain in the database for six years. But unlike other credit history reference agencies, this doesn’t contain details about scoring records, copies of County Court Judgement, electoral roll information and other credit histories like guarantor loans and the likes.

Those borrowers that have been flagged on the list will find it very impossible to secure any kind of mortgages like those of secured loans. If customers ask to check if they are among the block listed, the National Hunter will allow them to see the list for £10 fee. But the thing is, they will not offer any dispute facility, those unhappy customers will be referred back again to their lender and it is up to the lenders decision if there will be any reconsideration or not.

Alex Helmore, One Telegraph reader found that he was unable to secure a mortgage after he has been listed by Accord Mortgages in the database. Mr. Helmore works at a boarding school and he also stays in the site. He decided to buy a home and leave the school’s ground. He and his wife has found a perfect place to move in which is near his working place and made an offer to the seller which the latter accepted. The property needs some renovation so they plan to do so before transferring in the place.

Mr Helmore applied for loan with accord which is a part of the Yorkshire Building Society group. Helmore’s application was accepted and the examinations were carried out with a completion date which is set last September. However, the company withdrew the offer after the solicitor of Mr. Helmore check whether the loan was buy-to-let mortgage or a residential. This concerns the agency about the real plan of Helmore because most of the residential mortgages don’t allow let property.

Mr Helmore together with his solicitor made a letter to Accord for confirmation that the latter really plans to live in house but the lender refuse to consider the offer. Due to this, Holmes applied to other company but was also experience the same issue. Later through deep digging they learn that he was listed in the fraud database of the National Hunter by Accord Company as a “hidden buy-to-let customer”. Because of this, it is hard for the latter to secure any kind of loan. On the later part, reviews has been made and decided to remove his name from the database completely.

According to the spokesman of Yorkshire Building Society “As a responsible mutual organization, we have a duty to ensure that members’ money is lent in a secure and sustainable way, without exposing the Society to avoidable risk. We therefore take any inconsistencies in mortgage applications seriously and we only lend to borrowers when we are certain that their intentions are as stated on their mortgage application.”

Barry Brennan, the managing director of National Hunter said that it is not up to the register to make decisions regarding the validity of a customer’s entries. He said, “The data is owned by the members,” he said. “We don’t have the ability to change the data in any way. We simply carry out an administrative function.”

Students: Avoid Short-Term Loans

A payday loan company in the UK posted testimonials of their customers, saying they love them for providing a solution to their problems. These customers are unaware they will be charged of 782% interest rate each year. One of the payday lenders offering services to students is the Smart Pig; this lending company together with other companies were already reported to the Advertising Standards Agency for highlighting prizes everytime a customer borrows from them. They even include the opportunity of winning a term’s rent just to encourage borrowers.

Today, the payday lenders have expanded their targeted borrowers and this includes undergraduates or students, the number of borrowers within this bracket is already alarming. Last year, according to the National Union of Students, about 2% of the undergraduates have resorted to payday lending. This percentage may not sound a lot but if this will be equated to figures, this would total to 46,000 students risking the credit services of payday loans. This must be looked into by the payday lenders as they have social responsibilities too. One of the companies that have been transparent of the responsibilities of the borrowers when they fail to pay on time is payday loans by Uncle Buck. Part of their responsible lending practices is helping the borrower to try other organizations if their solution is not fitting. This means that students or undergraduates are part of the population that should not avail of the payday loans since they cannot cope up with the payment schemes. (more…)

Taulia Hires Thorbecke as CFO

Quick on raising a $40 million Series D round of funding, electronic invoicing and supply chain financing startup Taulia has now hired a Chief Finance Officer. Recently, the company announced that the former Meltwater Group CFO Rik Thorbecke will handle all the financial, legal, HR, and accounting aspects of their operations. They also announced their plans of expanding overseas.

Taulia provides a platform that will track all invoices, quick quid promo codes, and payments that are made out to their suppliers. They are targeting Fortune 500 customers primarily because they help them automate the invoicing process and payments which lowers their costs. For suppliers, on the other hand, the platform will help them get paid faster through the short term supply of financing based on approved invoices.

As invoices follow other business processes into the market, it will quickly attract other customers. As it is being ramped up, the company has hired Thorbecke for the improvement of its own internal finance and HR procedures.

Throbecke has spent the past 25 years in varying finance and strategy positions in several well-known companies. He was also employed as CFO and Chief Strategy Officer of Plastic Logic and in VP position of Levi Straus and Electronic Arts in the mid-2000s. Before going to Silicon Valley, he spent more than 17 years at the PricewaterhouseCoopers in Netherlands, where he was a partner.

Utahns: Consumer Control Should Be Stronger

In a poll conducted, most Utahns want to have a stronger consumer control of the payday loan industry. In the previous years, payday loans have been a big issue every time there is a general legislative session. On January 26, 2015, the lawmakers convened it as the general session tackling about the regulation of the payday loan. The issue is not new but until now, the industry is not yet regulated. The payday loan interest reaches over 400% each year and in Utah, it is relatively unregulated and the lenders were close to the heart of the former AG John Swallow. The lenders donated to be used as campaign funds for Swallow.

Pollster Dan Jones including his Associates found out in the recent state-wide survey that 57% of the registered voters strongly agree with the idea of limiting the amount of the loan each person should borrow in payday loans. On the other hand, 37% do not agree with the limit. The poll had 609 respondents with a margin error of 3.97%.

In most payday loans the amount allowed for first-time borrowers is only $100-$500 including the online payday loans. Try to visit loans, they only offer small amounts to their borrowers to be paid on their next payday. When their customers create a good credit standing, they will be eligible to higher loanable amount even after the first loan. (more…)

Payday Loans Have Declined in North West

It cannot be denied that payday loans are very popular, borrowers flooding them and ended up paying high interest rates. However, there is good news! A recent survey showed that payday loans are declining in the North West, this is based on the new research spearheaded by R3, the insolvency practitioners’ trade body. From the research, it showed that the number of borrowers going to payday loans continued to decrease in the last 18 months. Only 2% of the adults in the North West said they took out a payday loan, an 8% down from September 2013. Also, 2% of the adults took out a loan through a credit union. This will indicate that the people are looking for financial sources that will cost them less, from fees and interest rates.

The figures of this research came in after a leading payday lender in UK. Wonga reported £37.3 million loss in 2014 and to continue losing more in 2015. The figures released in the study are also in line with the Consumer Finance Association’s figures, this is the body that represents the payday lenders, both operating land-based and payday loans online. They said that the loans approved decreased by 75% compared to their peak season in 2013.

The chairman of R3’s North West area, Richard Wolff at the same time head of corporate insolvency and recovery at the JMW law firm said that payday loans have continually lost its popularity with the consumers in the last couple of months. He added that the recent decline is related to the latest regulations for the industry which started in January. It was regulated to protect lenders who have been vulnerable, taking advantage of those who are badly in need of financial assistance. In the long term, the regulators foresee that there will be lesser demand for payday loans when the finances of each household are also improving.

The figures of the study showed that from 51% of borrowers going to payday loans, in the last 18 months, it went down to 38%. Another essential factor behind the decline is that consumers are well-aware of the disadvantages of going into payday loans; instead, they are looking for other lower cost financial sources.

To test the validity of the new study, other agencies are also doing surveys like the ComRes. They interviewed 2,011 adults all over Britain and 235 of the total respondents came from the North West region. This is to see if the popularity of payday loans is declining not just in the North West area but including all over Britain. As soon as the survey is done, they will reveal the results.

Look For Low-Cost or Free Help to Overcome Debt

Are you looking for help to overcome debt? Then, you are not alone for one-fifth of Americans who are in debt said in a poll recently, they will die in debt. The figures are hurting truth, most of the Americans cannot cope up with credit card debts but 38% of the total population are managing their credit card debts well. According to the survey conducted by the Consumer Finances of Federal Reserve, citizens carrying a balance of debt from 2013 owed a median; this means that half owed more while half owed less of $2,300 on average.

Fortunately, these people should not worry since there are many trustworthy and excellent credit counselling agencies ready and able to help. On the other hand, customers of credit repair companies always achieve little relief; they are far from being debt-free. In fact, their financial condition ended up worse, according to a lawyer from a non-profit organization in Philadelphia, Markita Morris-Louis. Also, potential customers can check the company if there are good reviews. For example, the website of Lexington Law Credit Repair posted reviews as well as complaints about the company. Check out this review of Lexington Law from, it says, the company helped them increase credit rating and they provide excellent service.

To help you look for a trustworthy help, obtain financial counselling from non-profit agencies. Here are some tips on where you can look for a good one:

  • The National Foundation for Credit Counselling – This is a network of national agencies which are accredited and vetted by the Council on Accreditation. Their locator shows organizations in local, regional and even national organizations that are operating within your area providing debt, credit and budget counselling through personal encounter, by phone or online. You can start by sending online information.
  • The Association of Independent Consumer Credit Counselling Agencies – This represents independently operated non-profit agencies that provide credit counselling as well as debt assistance to consumers. Also, the member agencies accredited by the Council on Accreditation.
  • Other sources you can obtain help are universities, credit unions, military bases, housing authorities and the different branches of the country’s Cooperative Extension Service which operate as non-profit counselling programs for credit.
  • Financial institutions, consumer protection agency in your locality, friends and family are also good sources of referrals and information.

By opting to choose these credit counselling agencies, they can provide help to reduce debt, establish and maintain a good credit report by setting up a budget. Also, they have debt management plans that can waive interest rates and fees, at the same time, reduce monthly payments.

Housing Market is Expected to Have Solid Performance

The real estate property market is deemed to show another reasonably solid performance in this year, according to property analyst Jacques du Toit at Absa Home Loans.

“Nominal middle-segment growth of price around 8% is predicted, which will turn into real cost growth of over 3% this year, according on the estimated consumer rate inflation of 4.5%, which is in rank with real price hike of the last two years.”

The average amount of middle-segment houses among residential property market in South Africa has shown fairly strong growth for the last two years until the end of 2014, based on the newest Absa House Price Index.

The Absa home rate indices depend on the applications for mortgage finance which the back received and approved in due respect of the middle-segment large, medium-sized and small houses.

“Nominal price hike came to 10 percent in the year 201 following relatively weak growth in the previous year, with price hike of about 9 percent recorded last year 2014,” Du Toit said.

In true terms – that follows adjustment for the result of the consumer rate inflation – yearly house rate growth in between 3%-4% was registered on years 2013 and 2014.

“The performance of house rate came regardless of some difficult economic status experience for this 2-year period, like of falling economic growth, low labor growth, a devaluing exchange rate and increasing interest rates and inflation, which have an impact on domestic finances,” Du Toit explained.

“But, an event of normalisation and more balanced demand and supply conditions of housing are deemed to have greatly contributed to the rate growth of the previous two years.”

There are also some sites that can help you spot some of the best homes in town. Try checking for more information about their homes, offering and some wonderful deals up for grab!

How the Changes in Credit Reporting Affect You?

The three huge credit reporting agencies are creating changes that could aid in steering some consumers be cleared of the credit dog house.

From the data gather by the Equifax agencies, TransUnion and Experian on hundreds of millions of individuals are utilized to make credit rates. Those rates can identify who acquires a loan and how much interest rate is being paid on it.

The move starts from months of dealings in between the firms and Erich Schneiderman New York Attorney General, one of the many state lawyers general who have put the credit reporting industry on great search.

Jim Hood, Mississippi Attorney General sued Experian last June, saying that the company has consciously included error-puzzled information in the credit files of the client. Mike Dewine, Attorney General in Ohio is leading over 30 states in an investigation into the credit companies. That recommends more modifications by the industry could be on its way.

So how will these new changes affect you?

What’s changing?

The credit bureaus have come to an agreement to make several modifications. Two of which have the likelihood to affect greatly the consumers – changes on how people respond to disputing errors in their credit documentations and in the kind of credit data that will show in their files.

Will it be simpler to clash errors in your credit report?

In theory, yes! Let’s just say you’ve settled a suitable payment on your credit card yet it wrongly appears in your credit files as an overdue payment, potentially weighing your credit score down.  Now, consumers who want to repair that error can make a file of a dispute with the credit reporting firms, however it falls on the consumer to have the error fixed with their credit card firm. Moreover, the credit agencies mainly suspend to the creditor.

To deal with this, the companies came up with an agreement to employ workers whose task is to review consumer credit disputes solely and not just rubber stamping on what’s the says of the lender or the credit card issuers.

What about the medical debt changes?

In an offer to boost accuracy, medical debts will not be reported in pending after a 180-day waiting period to let time for insurance dues to be applied. The agencies approved to get rid from the credit reports previously reported medical collections that are being or have been paid by insurance firms.

Oftentimes, medical debts arise from insurance coverage disputes or delays. More than half of the entire collection stuff on credit reports are medical debts and those may not precisely reflect the creditworthiness of the consumers, base from Schneiderman statement.

How about the parking tickets?

With regard to the parking tickets, library late charges and similar penalties, they have agreed that these won’t be shown on the credit reports of consumers. The plan is not to include debts that don’t come from an agreement by the consumer to repay money, as in a credit card or through a loan. Still, if any of such debts will get sold to a collection firm, it’s likely that the unsettled debt record could lead anyway to your credit report.

Under the agreement, a working group will be created to review regularly the consistency and to make sure that the gathered data is applied evenly to consumers. The changes will begin to be implemented over the few months. Meeting with other attorneys general are continuing and there remains the likelihood for more agreements in the future. These changes could really help you in one way or another with your credit report and can be the best credit repair you are looking for.

Ways to Increase Affiliate Earnings In Amazon

Are you doing business with Amazon and after all these years, your earnings have been stagnant or even decreasing? This is the right article for you as this will give you ways on how to increase affiliate earnings in Amazon.

Target Buying Phrases

When people are shopping online, first, they go through general queries and then move on to more specific ones. The key is to target phrases which the people are looking for when they are approaching the buying stage. For instance, you are selling sleeping bags, do not use target phrases which are general like “what is the use of a sleeping bag” or “sleeping bags”. Use target phrases that people use when they are shopping such as “sleeping bag under $100” or “best sleeping bag”. These searches tell you they are looking for more detailed information to decide the purchase. Also, this will give you higher commission when your site achieves traffic of this kind.

Target Keywords with Long Tail

This is the same with the first point but you have to move further. Do not stop by using target phrases like “best sleeping bag” or “sleeping bags review”, you must target phrases with even longer tails. This means that you have to go for keywords that the search volume are very low. This strategy is fine even if you will get less traffic for each keyword or article, in the end; these kinds of keywords are high conversion types. You can use keywords like “cheap sleeping bag for toddlers” or best sleeping bag under $100”. These are some examples of long tail phrases when people are at the stage of making a decision to buy the product.

Link To Images

This tactic is simple yet often overlooked to improve your affiliate earnings at Amazon; you have to link your images to Amazon. When people read product reviews or articles, they always click the image and if the link is just a pull up on your site, then, you will lose one potential visitor or buyer. However, if the images are linked to Amazon, the chances are greater for more buyers.

If these tips are still insufficient and you need to personally hear them from the experts, then, you can attend the BHW Conference. You will learn from the best speakers known worldwide tackling about SEO and the Internet Marketing. One of the speakers that will help you to increase affiliate earnings and to turn your potential buyers into life-long customers is Jeremy Schoemaker. He is the founder of People Acquisition and Retention program (PAR) and has been in the business for 15 years with expertise in the fields of executive leadership and marketing. Also, he is the number one bestseller on Amazon and the most influential person over the Internet in 2010.

Listening from renowned speakers during the BHW conference will be a great learning experience to improve your skills and business.