Jan 19

Although you probably won’t find anyone who says that want to get heavily into debt, the reality is that many people find themselves in that situation for a variety of reasons, including taking on too many credit cards and personal loans, high medical bills, your children’s or your education expenses and just not paying close enough attention to your personal financial situation.

If you find yourself in that situation and are wondering what you should do, you might want to consider bill or debt consolidation. What is debt consolidation? It is simply that – consolidating all your debt into one payment and taking the hassle out of it so that you can become debt free and avoid an awful lot of stress in the meantime.

So how do you get started on a bill and debt consolidation plan? The first thing you do is find out exactly how much in debt you are. To do this you will need to collect all of your account statements and write down the name of the creditor, the total amount that you owe that creditor and the amount of your monthly repayments.

The next thing you do is make up a realistic monthly budget. Go over all over you monthly expenditures such as rent or mortgage payment, utility bills, car loans, insurance payments, child care costs, grocery money and upkeep for your car. Then add in some for miscellaneous expenses such as hair cuts and birthday gifts, things that don’t come up every day. Total it all up and that is the amount of money that it costs you every month to maintain basic living.

The final part in organizing yourself is to subtract your monthly budget from your take home pay. The amount left over is the amount that you have available to pay off your creditors each month. Now, this amount is likely to not be enough to make the minimum payments, which is why you need a debt and bill consolidation plan.

Now that your finances are organized and you know exactly what you can afford to pay in debt repayments each month, you need to contact each creditor and negotiate with them a lower payment amount. Most creditors are quite used to this and willing to help you out as long as you are willing to pay them what you can. Obviously they realize that you can’t give them what you don’t have. Just be straight forward with them – you’ll be surprised at how accommodating they can be!

Jan 18

A friend of mine that owns three restaurants simply sat down and handwrote a post card to his customer list inviting them to join his rewards program and he had a 20% sign up off that mailing. During the previous 6 months, he distributed two other post card mailings, without the handwritten message, and never had more than a 5% response rate.

What made the difference?

This time he used cheapest and most effective loyalty building and customer retention tool in existence, a tool that is largely ignored because it is boring to the marketer. However, it is so exciting to the customer that it completely drowns out all other marketing messages it competes with. This powerful tool that nobody uses is a personal touch.

“Oh, it’s just that,” you say. “I thought he was going to talk about some new idea or technology that would magically attract and retain clients for me. Personal touch, blah, blah, blah.”

Gotcha! I’m sorry to tell you, but there is no magic pill for attracting and retaining clients. It takes work – work that many businesses today fail to invest in. They don’t spend time to write a personalized handwritten note or make a personal phone call because that kind of stuff is boring. It takes too long. Taking the time to sit down and think of what you want to write, find a nice card, actually write the note, stuff it into an envelope, put a stamp on it and mail it. Are you kidding? Why not send an email, it’s so much easier!

When trying to create loyalty and build customer retention, easier is not always better!

What catches my eye about a service provider is not the easy things they do, but the things I perceive as they’re going out of their way to do for me.

After receiving cost hikes and poor service from my local cable service for years, I had come to detest them to the core. I would have sworn my prejudice was so ingrained it would be impossible for them to overcome. Yet, I melted with just one personal gesture on their part.

My cable box went out. The company sent someone over two days later and replaced the box. Not great, but OK. The very next day, I received a handwritten note by the cable guy…yeah! The cable guy! He thanked me for being a customer in his own handwriting. I immediately thought, if a guy that doesn’t get paid the big bucks at the company would still take the time to send me a handwritten note the day after he performed a service for me, then that’s a company I like doing business with.

Here Are My Top 6 Loyalty Building Handwritten Notes You Should Be Writing To Attract & Retain New Clients:

1. Always have a stack of “Thank You” notes on your desk. — Write at least one a day for anything or anyone that strikes your fancy. Just get it written and in the mail. You would be surprised how writing a thank you note to a clerk that helped you in a store can sometimes work its way back to you in very strange and positive ways.

2. Have an idea that people need to know about? – Send out a handful of notes asking people to lunch or breakfast to run an idea by them. 10 of these a month and your sales will go through the roof

3. Birthday and holiday cards – need is say more? And don’t send a lousy pre-printed one or a card with just a signature. That is a slap in the face. Take the time to write a brief message, then and only then, sign it.

4. Attach a note to an article that you read – nothing makes a person feel more important than when you send an article to them about an interest of theirs with a personal note attached. People work with people that do the little things.

5. Haven’t seen you in a while – sending a note to check-in with someone can result in business you never dreamed of

6. Send something to make them smile – a joke, a funny news story or personal account. This will change your whole relationship to that of a friend and people buy from friends.

Writing a note is one of the simplest, easiest and most cost effective ways to build loyalty and retain clients, yet it is the most under utilized marketing tool in business today. Pick up a pen. Write a note and watch the magic begin.

Jan 18

I am having a baby shower in a few months and yesterday I found some really cute invitations that you can print yourself on the computer. However, I have been looking over wording ideas online and have found a few that I liked but nothing I really loved. I would really love to find a christian wording for a baby shower, if there is one out there. Also, they do not know the sex of the baby, so it seems that there are already fewer ideas when it comes to that as well. Any help or suggestions would be greatly appreciated!

Angels are always a nice theme at a Christian themed baby shower. Here are some theme ideas that could go over to the invitations:

"Heaven Sent"
"Breath of Heaven"
"An Angel Among Us!"
"Come Celebrate an Angel Among Us!"

"Little Hands – Little Feet,
Sent from Heaven, Perfectly Sweet."

___________

This type of baby shower is all about WHITE to emphasize the innocence of a newborn (angel). You could create so many great decorations for your shower with cotton batting (clouds), halos (go get some silver garland left over from Christmas that is on Clearence right now), HECK…go get TONS of angels that are on clearance right now at all the stores.

(Hope that helps!)

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Jan 17

The gift to Pakistan agency is available in over 150 cities in Pakistan offering free delivery of your gifts to the loved ones. Whether it is a birthday, a wedding, an anniversary, mother’s day, valentine’s day or a Thank you wish, you can always choose the Pakistan gifts to show your appreciation and send you feelings home from any part of the world.

The gifts agency offers you the opportunity to choose the perfect gift by occasion or by the precise object you would like to send. You can shop for good luck wishes, anniversaries, weddings, new born, sympathy, promotion, apologies, gifts for parents, sorry or thank you-wishes and winter season proper products. Or, you can let the imagination guide you and send a special surprise on any occasion by choosing flowers, cakes, fruits, perfumes, chocolates, books, accessories, toys or all kind of gifts for kids.

Wherever you are in a particular moment, as far from home, the gifts arrive to Pakistan in 24-48 hours in any of the major cities of the country: Islamabad, Lahore, Karachi, Peshawar, Sialkot, Faisalabad, Multan, Jhelum and many others. More unusual gifts like mobile phones, computer tools, electronics, cards, video games, CDs and DVDs are also available as Pakistan gifts.

If you are looking for the perfect gift to send him/her on Valentine’s Day, you can choose from a wide variety of products like teddy bears, chocolate hearts, drinks, glasses, flowers, funny toys and different types of paper congratulations. You can send your gift and your love by using a different romantic and also cute Valentine’s combos. Small but cute gift items such as candle stands, clocks, lamps or jewelry boxes are perfect objects loved and adored by everyone.

You can place an order for friends and families at any address that might be home, work, college, hostel or hospital. Any kind of order placed from Monday to Sunday before 5 PM will arrive at its destination the next day. Using your user name and password you can follow the route of your command from your computer and make sure it arrives well and in time. If you cannot decide what to send to the loved ones in Pakistan, by a simple phone call we can help you decide which gift would be perfect for the person and occasion.

When you simply want to surprise anyone with a simple gift sent out of love, you can always choose flowers, white, red or blue roses or any seasonal flower bouquets and also chocolate gifts suitable for any occasion. The fresh special cakes will arrive safe at their destination as well as the fruit baskets you have chosen as the most congenial gift.

By using the on-line offer of sending perfect gifts to Pakistan, you can be sure of the good timing and the quality of the products. From anywhere in the world, send gifts to Pakistan that will put a smile on your loved ones face.

If you want to send Pakistan Gifts or if you want to send some Gifts to Pakistan please review this website htpp://www.send-gifts-to-

Jan 15

I'm throwing a baby shower for a friend and she told me where she is registering but asked that i do not include that in the invitations. She told me to tell guests only when asked. What is the point of registering if you don't offer that info upfront? Am I wrong??

if it is included in the invitation, the guest feels obligated to get the bride/baby/etc a gift. the expecting mother probably doesnt want people to feel obligated to buy something so that is why shes asking that it not be included. if someone asks though, tell them where she registered, but if not, dont worry about it. most people, however, will probably end up showing up with a gift anyway….whether they got it from the registry or not.

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Jan 14

What is an Event?

An event is not just a mere happening. It is a powerful communication medium with which you can enthuse, amaze, persuade, unite a group or in fact, with which you can accomplish any public relations purpose you set. Well executed, it can and should be a milestone in your life or that of your company. Planning and executing an Event is both an artistic, creative endeavor and one that requires the utmost precision in engineering all of its parts and sequences. It also requires relentless insistence on quality and the upholding of a high standard. Its success depends on the artistic and organizational skills of the event planner working tightly with its customer in creating the event, planning it, selecting all of its elements down to the last detail, and then… making it all happen.

Envisioned Product & Message

The first step the event planner and customer must do is to envision the event in full. It is necessary to get a complete picture of what one wants the event to be like, look like, feel like for the guests or delegates, and what result one is trying to effect and/or what message one is trying to get across. Naming the result and message very precisely is crucial. Without this in mind, the choosing of event venue, agenda, designing of the set, lighting or decorations, and many details could end up betraying the very purpose of the event. Examples of envisioned results could be: for a corporate party that all employees feel they are part of a great and valuable team, proud to be a part of it, and renew their commitment to the company and its goals. The product of a Fundraiser could be a lot of donations of course, but also its attendees reassured that they are contributing to a great and valuable cause, feeling privileged to be part of this endeavor, and willing to contribute even more. The product of a wedding could be for the bride and groom, family and friends to experience a one in a lifetime moment, be awestruck by it, emotionally impacted, foresee together the best possible future, and of course to have a very good time. The envisioned result of a product launch would be that the attendees want to buy the product, use it, market it further, and have trust in you and in the product. So depending on the type of event, the Event Planner and customer should name together the envisioned result they want the event to result in, as well as its message. The planning of each part and detail of the event will have to align and integrate with this message or envisioned result.

Event Planning

Prediction & Sequences

At this stage the event planner in coordination with the customer names all the parts of the event, all of its sequences, and all required suppliers. The Event Agenda is the exact sequence of actions that will take place from beginning to end. Working it out in detail enables one to visualize the event fully and thus predict any and all details which could otherwise go overlooked. How will the guests get there? Should we supply transportations, maps, you name it. What about parking? What happens when the guests enter the venue? For a congress they would sometimes need name tags, in another event you would have a guest list with a reception set up. What happens then? How do they get drinks? Where are the bathrooms? Where do they sit? How comfortable does it need to be? How do we get their feedback when they leave? These are very few of many questions which get answered. Each of the needed suppliers is chosen based on their ability to meet the demand of the customer, be of the required quality and within the event budget. The event planner will have experience with event suppliers and will therefore be able to choose those that are reliable and proven.

Integration & Quality

There again all parts need to integrate one with another in terms of style, standard, and align to the message and envisioned result. Of course higher quality is often more expensive. A good event planner will put a lot of work in finding the best options of quality versus price for the customer, and most often will get deals that only a professional gets. This is why in many cases, using an event planner is not, in the final count, an additional expense. However, in deciding the required quality and to still meet one’s budget one should evaluate the choice of items against the result and message which was envisioned. Replacing an expensive laser show with fireworks could for instance create the same impact and save a lot on the budget. On the other hand, replacing fabric table cloth by paper cloth could significantly lower the effect of the decorations and menu and degrade one’s message. A good event planner will help and guide the customer in making all these decisions and in meeting his budget.

Event Production

Leadership & Team Spirit

The event planner will be the central coordination point with all concerned suppliers to ensure that everything comes off exactly as planned. Good event planners have excellent relationships with their suppliers who work hard to retain the work opportunities they get from the planning company. Good event planners also have excellent leadership qualities in getting everyone to execute their part of the event. They make everyone get along and work as a team. It can be a lot of fun to prepare an event and should be.

Integrity

The integrity and professionalism of each supplier is of the utmost importance. Your event planner should be able to guarantee these to you when choosing the suppliers. The event planner ensures the suppliers perform their task exactly and demonstrate integrity and honesty. This is one of the most valuable services which the event planner provides you, as without it, you could find yourself dealing with logistics and details of the event when you should be preparing yourself to lecture, to get married, or whatever the case might be. The event planner is dedicated to taking care of everything so you do not have to worry about it.

Customer Care & Service Orientation

Events can be complicated matters with many parts and details. Things can also come up at the last minute, which need to be cared for. You as the customer, should be undistracted throughout and should something unpredicted come up, the event planner should do its best to resolve whatever it is, make things appear or disappear. If it comes up at a Congress that it is the birthday of one of the delegates and you want a cake to appear during the lunch, your event planner will take care of it. You suddenly require a security set up for a VIP attendee; the event planner will have the needed contacts to accommodate this rapidly. Of course all should be done to predict each and every requirement way in advance. However should such emergencies come up, having an event planner makes all the difference and allows you to remain undistracted… and a good event planner will take the challenge and meet it.

After the Event

Where feasible and appropriate it is always good to collect feedback from your guests or attendees. This is often neglected but should be done. Whether in the form or surveys, a guest book placed at reception, or by asking around elegantly, one should find out to if one achieved his purpose and to what degree. For instance, the attendees of a product launch should be surveyed as to how they feel about the product and what use they will have of it. This can be key in planning the next step for the customer to take in marketing his product. The attendees of a seminar or congress should similarly get surveyed and can help determine the orientation of a following event. It is part of the professionalism of the event planner to take all such feedback into account to improve where need be, consolidate trust in suppliers, or where appropriate, reutilize successful formats. Good video footage and photography is most often a must. As one small example of many things which can be required after an event; “Thank you” cards for anyone who particularly went out of their way or performed competently can be handled by the event planner. There again a good event planner will help you take care of all the “after event” details and make sure everything is completed to your satisfaction.

Lastly, as a professional in this field for many years, I cannot begin to tell you how much fun it is and how much satisfaction I have in creating and organizing events with and for my customers. Again, an event is not “something that comes and goes” but a powerful communication weapon which well executed can and should be a milestone in your life or that of your company.

Jan 13

You’re an Internet Marketing Junky If…

1) Your partner asks you to get off the computer and you tell them five more minutes, but they understand that means two or more hours.

2) You are running out on your hard drive because you keep gathering marketing e-books and software you have purchased or downloaded.

3) You think a night out on the town is having a drink while hanging out online forums and groups.

4) Your laptop goes with you everywhere, from restaurants to the bathroom replacing magazines or newspapers.

5) You thought you were going to be an instant millionaire when you first started your Internet or MLM networking business.

6) You wake up in the middle of the night to write down new marketing ads that just came to you because you are afraid you might forget it by morning.

7) You put your URL on your personal, birthday and christmas cards out of habit.

8) You have come out of a movie with ideas floating in your head about how to apply this concept to Internet marketing.

9) Your favorite snack is always sitting by your computer, along with breakfast, lunch and supper dishes.

10) You enjoy reading spam to get money making ideas or words to use in your advertising.

11) Your ideal vacation is to go to a convention associated with your business.

12) Your on your way out somewhere and your disappointed upon arrival because your motivation tape is not finished.

13) You have a real job and during lunch you check and answer your business emails and place a quick ad.

14) You put marketing or motivational books on your Christmas wish list.

15) Your best friends live in different parts of the world, and you met them online.

When I started writing this it was for humor, but then I sat back and looked at what I wrote are a I realized I an Internet Marketing Junky!

If…

1) Your partner asks you to get off the computer and you tell them five more minutes, but they understand that means two or more hours.

2) You are running out on your hard drive because you keep gathering marketing e-books and software you have purchased or downloaded.

3) You think a night out on the town is having a drink while hanging out online forums and groups.

4) Your laptop goes with you everywhere, from restaurants to the bathroom replacing magazines or newspapers.

5) You thought you were going to be an instant millionaire when you first started your Internet or MLM networking business.

6) You wake up in the middle of the night to write down new marketing ads that just came to you because you are afraid you might forget it by morning.

7) You put your URL on your personal, birthday and Christmas cards out of habit.

8) You have come out of a movie with ideas floating in your head about how to apply this concept to Internet marketing.

9) Your favorite snack is always sitting by your computer, along with breakfast, lunch and supper dishes.

10) You enjoy reading spam to get money making ideas or words to use in your advertising.

11) Your ideal vacation is to go to a convention associated with your business.

12) Your on your way out somewhere and your disappointed upon arrival because your motivation tape is not finished.

13) You have a real job and during lunch you check and answer your business emails and place a quick ad.

14) You put marketing or motivational books on your Christmas wish list.

15) Your best friends live in different parts of the world, and you met them online.

When I started writing this it was for humor, but then I sat back and looked at what I wrote are a I realized I an Internet Marketing Junky!

Jan 12

I am throwing my sister a baby shower in September. Because this is her 2nd child, she just wants everyone to bring things like bottles, diapers, wipes, etc. I don't won't to be rude though. I need to cute wording for the invitation. We are calling it a "sprinkle" shower if that helps.

Make a nice invitation. get some new stuff for baby shower tale decoration . Storking, buggies, or get some favor bags ready for every one will make the baby shower unique
One site has very unique stuff as we know ,
www.idearibbon.com

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Jan 11

You say in your office, juggling figures, estimating projected income, and sweating nervous perspiration. The end result of all this labor and stress? You’ve decided that it would be in your best interest to apply for a business credit card. With that decision made you spend what feels like hours staring at websites and reading the tiny print and recording all the different details and aspects of what feels like a thousand different credit cards. Your spiral notebook is filled with facts, figures, and annual percentage rates. It was a lot of hard work and mind numbing research you think you’re ready to apply.

All you have to do is apply with an on-line application for a business credit card.

If you have ever applied for a personal credit card online this will be a breeze.

The first thing you have to do after you decide to apply for a business credit card on-line is go to the website of the card you’ve chosen.

Go to the card you’ve chosen’s website. Find and click the apply now button.

The first thing you will probably be asked for is your personal information. Fill in the spaces asking your first and last name, birthday, phone number, address, social security number, and mother’s maiden name. The next section will probably ask about your housing situation. Do you own or rent, or have some other housing arrangement? How much does your housing cost you a month? How long have you been living at your current address? Some applications will also ask for your personal income.

After filling in your personal information you will move onto section asking for your business information. The credit card company will want to know the name of your business and what name you would like to have printed on the card. They will want to know your business address and phone number. After that they will want to know how many years you have been in business. What is your businesses annual revenue? What is your businesses industry; agriculture, hospitality, manufacturing, etc.? What is your legal entity (are you a single proprietor, a non-profit group, a partnership or a corporation)? What is your federal tax ID?

When you’ve completed this section you will be asked how many free employee credit cards you would like and what are the names of the employees that should be printed on them?

The credit card company will want to know if you have any balances you want transferred to the new card.

When you have completed the application you will be asked to read the important information about the annual percentage rate, fees and restrictions. Once you have agreed you click the continue button and you will be taken to a secure website to upload the information.

With the application process complete you should be hearing a positive response from the company in just a few days.

Jan 10

So, you’ve let your wife’s birthday slip your mind. This is an
incredible feat considering she has been dropping not-so-subtle
hints for the past 2 weeks. After you have smacked yourself, you
begin to devise a plan. A surprise dinner at her favorite
restaurant will certainly show her your romantic side, but you
need something else. The tried-and-true gift of flowers will
certainly do the trick. It is no surprise that men find giving
flowers as a gift to be a safe and sure way to please their
mates. Ordering is usually simple and show sincere admiration
and appreciation.

If you are working on a short time frame then same day flower
delivery might be a good option for you. Yes, you could stop by
the florist on your way home and get a bouquet, however many
people enjoy the surprise of an unexpected delivery of fresh cut
flowers. Most also enjoy the envying look of coworkers as they
parade through the office carrying their colorful and aromatic
bouquet.

Most floral companies offer same day delivery. Usually the best
way to order flowers for same day delivery is by contacting
florists in your area. You may have to contact several stores
before finding the right fit. Some florists may have cut-off
times for same day deliver of flowers while others may deliver
same day all day. Some established florists who have a busy
workload may additionally charge you a processing fee for same
day delivery orders. In most cases, however, florists are happy
to deliver same day, as they understand that unexpected events
happen and are more than willing to accommodate.

Generally speaking, it is not usually wise to order flowers
online if you need same day delivery. Some websites offer this
service but the majority ask for at least a 3 day notice. If you
do find an online florist who will delivery the same day, they
may charge a hefty fee. Be sure to read all of the fine print
and ask for any hidden or extra charges. You may be in a hurry
to place your order but it is very important that you know the
terms of service. Also be attentive to what type of flowers, the
arrangement, enclosure cards and any accessories that you wish
to be included. Your satisfactory experience with any same day
flower delivery depends on your knowledge of what you are
ordering

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