Financial Advice on the Web

The Internet may be the best thing to happen since sliced bread, but it comes with its share of drawbacks. One of these is that every shyster in the world can get online and try to make a quick buck convincing you that they’re qualified to give financial advice or guidance. The best thing you can do when seeking for information online is to be wary. Use this as a quick briefing of how to stay safe when looking for reliable info.

Consider the source. The biggest banks and financial institutions in the world can make the nicest, coolest-looking websites, and pay the most to have them ranked highly in the search engines. On top of that they can spend the most money on advertising and get you to take a look at what they are offering. Any big bank is only going to lead you to as many different products that they can. They give you information on getting a mortgage for your home, as well as an auto loan, and a credit card. This is not an institution that has your long term financial goals in mind. They want you to have it all now so you can be under their thumb for 20 years or more.

Watch out for sponsored content. Sponsored content presents itself as real information, but instead is nothing more than a cleverly crafted sales pitch. In today’s world, you want to be savvy enough to know that what you are reading was written by a real human or is just rehashed information designed to fool the search engines. Many websites offering free financial information are full of financial keywords so that you will be looking at financial advertisements while you read the information. If you feel that an article you are making is confusing or has lots of the same words repeated over and over, you’ll want to click the back button and move on.

Stay clear of biased tips. If a company has a financial product they are trying to sell you, then the advice they will offer will be geared towards getting you to purchase the product, not with your needs in mind.

Avoid a short-term mind set. Look out for sites that reel you in with stock updates that are up-to-the-minute. You don’t want to be a day trader and this type of short sighted thinking is never good for a long term investment strategy.

The old adage that you get what you pay for applies really well online. Be careful of free advice you receive on the net and always double check that info. Paying for advice is no guarantee that you will get better advice, but it does weed out a lot of bad information.
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How to Choose the Best Financial Marketing Agency

With plenty of advertising companies to choose from, the marketing team in any financial institution has so much to consider before settling on a financial marketing agency that is appropriate. Before making any decision, it is important to set your company’s goals and objective to see which financial marketing agency will suit your needs.

Critically examine the role that a financial marketing agency will play in your company. When it comes to advertising for financial services one needs to find a highly experienced advertising company. Getting services from an experienced agency will ensure that the kinds of services you get are of quality. It is always advisable to settle for specialized agencies.

Financial service institutions are always competing with each other; therefore the advertising agency that you settle for should be in a position to make outstanding advertising campaigns for you. Choosing the right advertising agency is important because a good marketing agency can give clientele plenty of reasons to keep coming back to your firm. Advertising should create a good image for a financial service company at whatever cost.

A financial company needs to come up with a good marketing plan in terms of promotional needs, adverting needs as well as a budget. If a financial institution has many branches in different areas, it is important to have a diverse marketing strategy. An advertising agency can be good when it comes to online advertisements, prints or events. It is more economical and convenient to find an advertising agency that specializes in all or two of the above advertisement methods.

Knowing your target market is the most important thing when it comes to advertising. Your marketing needs will mostly vary depending on your target market. Is your company targeting young or old people? Is your company global or national? A full service advertising agency will be most appropriate for companies that have busy schedules. You can leave all your marketing needs with a full service agency so that you get time to do other important things.

Extensive research is necessary in order to find the leading advertising agencies in the industry. You can also try to find out the advertising companies used by the top financial institutions in your state. Once you find the right advertising agency, ensure that you build a mutual relationship with it. This will put you in a position whereby you are highly regarded by the advertising agency leading to quality services.

The Do’s and Don’t’s of Financial Marketing

There are many things that one needs to know about financial marketing strategies before beginning to layout their advertising campaign. Perhaps most importantly is the fact that customers and potential customers will not be fooled by empty promises so first and foremost whatever advertising catch you use needs to be truthful and honest or it very simply will not work.

Honesty is always the best policy but this doesn’t mean that you can’t accentuate those aspects of your business that you want customers to focus on and skip over some aspects of your business that may not prove quite as favorable in the public eye. At this point in time there are definitely certain things that you should do when it comes to financial marketing. Focusing on certain aspects of your business such as ways in which your financial institution can save your customers money or the ways of doing business that make your business more earth friendly such as e-mail statements and online banking. By far these are two of the most marketable aspects of any product or service in the current state of the economy.

There aren’t many don’ts when it comes to financial marketing, except don’t do what everyone else is doing. When you look around and see free checking signs in front of all financial institutions this is no longer a selling point. Whenever something becomes as commonplace as free checking it really no longer holds any meaning to the general public. Also, avoid false or misleading claims at all costs as this will not help you build up your customer base but will instead work to diminish your credibility in the public eye.

Things that you should do with your marketing is stick with one message. One solid message that promotes one aspect of your business will be much more widely received then a bunch of different messages promoting differing aspects of your business. Consistency is key and therefore you will most definitely want to be sure that you keep to one clear and concise advertising message with all of your advertising tools. Whether you are choosing print advertising, media advertising, promotional product advertising, or all of the above the message you use throughout should be the same.

Financial Social Media and the Law

There are an avalanche of social media sites online. Most individuals are familiar with the most popular websites: Facebook, Twitter, Linked In and MySpace. Some of the company websites that are available tend toward financial social media. Some of these websites are run by large banks that market to their own clients, and other potential clients. There are several financial media sites that allow financial enterprises to advertise on their site. However, large financial institutions need to be cognizant of the ads that they are running. They need to make sure they are obeying the law in all cases or risk being slapped with penalties. This is the case now especially due to the Dodd-Frank act aimed at creating financial oversight for the industry.

The answer for most financial institutions is simply not to post anything on social media without getting prior approval for any posts and tweets from the Marketing manager or CFO.This is better than placing your organization in jeopardy from an ill-conceived advertisement. There is some overlap on Facebook which has some correlation with a users personal identity, however if the firms name is used anyway, it still requires tacit permission from federal regulators. A financial social media effort can run afoul of federal laws aimed at protecting privacy of consumers, and regulating SEC communications.

One should make sure that they understand all of the compliance laws in regard to social media. It is definitely a powerful media on which to advertise; however, the issues that it presents may not be worth the trouble. Those who run into trouble on social media sites should know that their house counsel or litigation expert many not be able to help them, if they or an employee of the institution gets in trouble for inadvertently publishing inappropriate content on a social media site. The marketing manager needs to read the laws.

There are certain implications with social liberty and protected speech that the law can not touch.

However, simply advertising on a site may require that tweets and advertisements meet SEC guidelines. The use of these guidelines will not only keep them from being sanctioned by federal regulators, but can also keep the site free from fraud. The guidelines are present to not only provide oversight, but prevent fraud from becoming rampant on investment websites. Looking at them as a protective measure may make them easier to adhere to, and to comply with. They are not all bad.

Why Internet Financial Freedom is Within Your Reach

Many people dream of achieving internet financial freedom with an online business of their own. Some actually reach this goal and are successful starting and running an internet business.

However, there are many people that struggle and don’t make their business a success. The difference between the people that succeed and the people that struggle is that the successful people understand what it takes to achieve internet financial freedom and how to make it happen for them.

So how do they know what to do and a lot of other people don’t? Here is what they understand that you haven’t figured out yet when it comes to an internet business.

One: You have to educate yourself. This will always be something that you will have to do even after you become successful because there are always new things coming out for home businesses. If you ever want to achieve internet financial freedom then you can’t skip this.

You have to become smart on all of the different ways to promote your internet business. Learn them one at a time and when you are comfortable with one then add another. Don’t try and learn everything at once or you will quickly get frustrated and confused.

Two: Advertise your business constantly. You have to advertise in a lot of different ways if you want to make money and be successful. If people can’t find your internet business then you will never see success. This is why educating yourself is so important. So advertise, advertise and advertise some more.

Three: You have to want success bad enough. That may sound weird when it comes to how you can achieve internet financial freedom but it is imperative to your success. You are the only one that can make your internet business successful.

No one will be there to tell you what needs to be done or when to do it. You have to be willing to work hard, learn all you can, go over, under, around or through any obstacles that get in your way and don’t ever give up no matter what. You will achieve financial freedom, and never fail, if you do this.

In order to achieve internet financial freedom these three things are not the only things that you will need to do or have. They are however the most important ones.

Make Your Tour and Exposure Count

Making the rounds for displays and exchange shows is an amazing approach to get your business extra introduction. All things considered, everybody who appears to partake in it has an enthusiasm for your specialty. However you likewise have a lot of contenders close by of you attempting to advance their items or administrations in the meantime. You require the assistance of a display contractual worker to get the edge.

Such a supplier is a specialist and they comprehend what to offer that will get positive consideration. You can appear with something like whatever is left of the presentations or you can get something that will have everybody talking. The correct materials for your business can improve things significantly so you have more than presentation, you are producing deals and making long lasting clients.

Inventive and Empowering

You may have dreams and ideas in your psyche about what you wish to show. However it can be difficult to complete that all alone. When you share those thoughts in talks with a display contractual worker, they can begin to breath life into it for you. They are innovative and they will enable you to get it consummate each time. They wouldn’t finish the idea until you consent to it.

They have the correct instruments, systems, and techniques to put this all in movement for you. In the meantime, a show contractual worker values your requirement for the things to be anything but difficult to set up and bring down. They should be sturdy so they last and look extraordinary all through the visit. That might be a little while or it could keep going for a considerable length of time.

Your Specifications

While the show contractual worker will hurl thoughts at you, they will dependably cling to your determinations. There might be times when they urge you to take a gander at the advantages and disadvantages of different decisions. They do as such with a specific end goal to ensure you are all around educated. Be that as it may, they wouldn’t weight you to go a course you aren’t occupied with.

Your association with them is critical as you ought to have the capacity to transparently speak with them. You ought to feel great making inquiries and also sharing data. You ought to have the capacity to answer any inquiries they have for you. Attempt to discover a supplier early too so you aren’t feeling scrambled for time to get the last ideas affirmed and made in time.

Reasons That Make Business Document Templates Useful

There are many situations, when we face the need to fill out and submit documents to different organizations. There are, probably, no people, who have not done that at least once in their lifetime. However, situations differ and it’s not always possible to find the submission rules and guidelines right from the start. When you are in a hurry, though, there if frequently no time to look for the document samples somewhere out there. In such situations, the use of web-based catalogues of business document templates is the best choice. Such catalogues are available round-the-clock and they enlist hundreds of sample forms you can either download and print out or fill out directly at the website. These files may be free and paid. You have to consider that when looking for the most suitable online service. Let’s have a look now at some of the most obvious merits of using ready-made business document templates.

1. It Is All About Quality

If you manage to find a reliable service providing free printable document templates, this is already half of the task. It’s not a secret that the quality of sample forms matters a lot, when it comes to submitting them to different organizations and institutions. The majority of web-based catalogues of sample forms contain an extensive selection of professionally designed templates that adhere to the highest business standards. Whatever niche you specialize in and whatever documents you have to fill out, dealing with trusted services is one of the keys to success.

2. Time Economy

The number of documents you might need for business purposes is really impressive. It’s physically impossible to know the completion rules of all of them. By using a ready-made template, you don’t need to waste your precious time searching for the sample forms online or offline. It’s reasonable to find a reliable and professional platform once and use it when needed. This is how you will be able to focus on your current business or personal needs instead of browsing the web. The fact that most of these services come with a convenient search filter option contributes to the ease of use and makes the process much quicker than you could even imagine.

3. Efficacy

The use of online sample forms is not only convenient and quick, but it’s also effective. As mentioned in the previous point, you don’t need to look for the required files elsewhere to solve your current tasks. What you have to do is to find the document template you need, fill it out online and submit to the website of a certain organization. There is also another way you can go. If you have enough time, you can download the file to your computer and print it out then. Having filled it out manually, you can later send or take it to the organization you need in person. This depends upon the amount of time you have and the submission rules. By the way, many people consider the latter variant more convenient and safe, but it’s still up to you to make your choice.

The Biggest Mistakes People Make In Growing Their Business

The mistakes I’m talking about here don’t necessarily have any spiritual significance, they simply have the capacity to stall or even shut down a business. The following are ones I have personally seen in action; perhaps knowing about them can help you avoid their calamitous consequences.

1. Going after the trappings rather than the essence of business.

In my one very mistaken attempt at a business partnership, a big source of friction was my partner’s delight in meetings that, to me, accomplished little or nothing. She equally couldn’t understand why I took no pleasure in sitting around a conference table going down an agenda of to-do’s that we’d already discussed. “Haven’t you always wanted to have a business?” she retorted once when I objected.

We spent too much time on unproductive tasks. I’ve seen others devote so much fuss to their logo, office decor, computer setup or long-range strategy that they don’t have energy left over to deal with finding and keeping clients. Concentrate on core business tasks.

2. Relying too much on one client.

You’re asking for trouble if more than 40% of your business comes from one source. Yes, it’s tempting to enjoy the easy pickings of a client who wants to use you more and more and more. However, I’ve had several clients show up at my door having to rebuild their businesses after their too-big client retrenched, refocused or decided it no longer suited them to use you. Foster your economic security by serving a variety of clients who couldn’t all go bust at once.

3. Not keeping an eye on the long term.

For about a year and a half during the Internet boom, I had a lucrative contract with a dot-com company that tried to hire me full-time, offering to match whatever I was making on my own. I refused, because it would have meant ditching the momentum I’d built up on the Internet and elsewhere.

I saw business owners give in to the siren call of “money now” and either as employee or entrepreneur place all their bets on a new venture that imploded within two years. Having sold off or let go of their previous successes, they had to start again from scratch. Forgoing some quick opportunities now for sustainability in the long run was a smart move, I believe.

4. Sticking with low-profit “sure things” for too long.

When some activity reliably brings in business, it’s difficult to let it go, even when it takes much too much effort for its financial return. From 1988 to 2001, one-shot adult education seminars in Cambridge, Boston, Providence and elsewhere were a vital feeder for me, bringing me clients who needed help with their writing projects. But each seminar meant driving through rush hour traffic, parking, getting home late, making less than $10 an hour when considering the total time spent, all to acquire clients who paid me much less than those who needed marketing help.

I should have quit doing these seminars several years before I finally did and invested the energy elsewhere. At least once a year, think about what you’re doing, and drop activities that are not worth the time or hassle.

Significance of Design and Communication in Exhibition

You can’t be vague and expect the best possible outcome. You have to openly communicate for exhibition designers to create something remarkable. You also have to choose wisely who you will work with. Not all of them have the same skills or use the same methods. You need a provider willing to give your job a fresh approach and a unique outcome to benefit from.

Taking your time to identify the right exhibition designers to assist you is a vital part of making it all come together in the end. You need to start your search early though as time is ticking away. The countdown to when you need the project is going to be here before you know it. There is also the risk the provider you want will already be too booked to take on your work.

Getting a good indicator of who offers the best work for the best pricing is important. You don’t want to settle but you don’t want the price to be a difficult piece of information to swallow with the transaction either. Yet they also have to keep in mind it is your outcome that matters. They have to take your needs and wants into consideration. It isn’t an art piece for them.

Branding, Representation, and Imagery

It is a means for your business to showcase what you offer in a nutshell. It is a way to draw the crowds in and for them to become more familiar with the offerings of your business. This can go a long way towards paving a road for branding and longevity. Representing your business well through images can be what it takes to get first time customers to buy from you.

Once that is in place, there is a very good chance they will buy from you again in the future. Yet that won’t happen if they walk by your booth at the convention and stop at the one next to you offering a similar product or service. Humans are visual by nature, and that means you need a powerful attraction that grabs their attention and reels them in.

Share your Vision

In order for exhibition designers to really do justice for your needs, they need you to open up. Share your vision for the business, what you are passionate about, and what your challenges are. Show them pictures, tell them stories, and honestly answer anything they may ask you. It needs to be a two way relationship where you both feel comfortable.

You may feel intimidated at first with exhibition designers because you don’t really know you want. They understand if you don’t come in with a complete concept, they will work hard to take your ideas and to connect the dots. They want it all to be fantastic in the end and for your business to do very well based on what they created.

Make Bid Bonds Great Again

You used to love them. They were so easy. Now they are in dollar amounts and percentages, sometimes with a limited maximum value. They can be electronic or digital. Sometimes a letter is required instead. Sometimes nothing is required instead! There may be a single or annual charge for it or maybe it is free! It’s outta control…
So here is your chance to catch up with everybody’s favorite: The fun and fascinating world of Bid Bonds.

The Basics

These instruments accompany a contractor’s proposal during the acquisition process for a new project. This is routine on public work, such as federal state and local municipal contracts. The procedure may also be used on private projects at the contract owner’s discretion.
The bond guarantees that, if awarded, the bidder will sign the contract, furnish the required Performance and Payment Bond, and commence with the work – or – pay the difference between their bid and the next higher bidder (subject to the maximum dollar value of the bid bond.)

Cost

Usually free although the surety is entitled to charge for them. Typical charges could be an annual bid bond service fee or a per bond charge.

Underwriting

The decision to issue the bid bond is based on the underwriter’s willingness to provide the related P&P bond, because that is the real money transaction. The decision is NOT based on the dollar value of the bid bond. Rely on the fact that the underwriter will not provide the bid bond if they do not feel they can support the final bond.

Bid Spreads

If the bidder is more than 10% below the next bidder without a plausible explanation (I have a special machine, I already have materials, I’m already working next door, I’m super fabulous, etc.) the surety could decline the final bond, resulting in a bid bond claim.