Tips To Avoiding Many Email Marketing Scams

There are many fantastic benefits to having a solid e-mail marketing strategy. E-mail marketing is cost-effective, and allows you to reach a vast audience. It is also a wonderful way to keep in touch with your current customer base. This article offers several great tips that can help you implement or improve your e-mail marketing efforts. Provide exclusive content in your marketing emails. By providing those on your mailing list with information not available on your site, your customers are more likely to read each message, and begin looking forward to them. Your customers will feel special and appreciated when they receive relevant information in your emails. Have a strong call to action in your email marketing campaign and position it to be seen. You shouldn’t make it difficult for your email readers to know exactly what you want from them. If it’s too hard to figure out, then your email will most likely be quickly deleted. Instead, offer a clear call to action and deliver it in a way that can’t be missed. Insert a link to your subscription form into your marketing newsletters.

That way, if your customers forward marketing emails to their friends, their friends can easily subscribe to your list too. Using this strategy makes it easy for you to build a large list of potential customers who have agreed to receive your marketing emails. Have an exit strategy for customers that stop responding to your mailings. If a customer is no longer interested in the products you have to sell, they’re going to be irritated and even angered by continued contact.

Determine a number of messages or a length of time that you’ll keep sending messages, then if the customer doesn’t respond, remove them from your mailing list. Make your email messages tell the reader a story. Storytelling is one of the most powerful advertising techniques. Each installment of your newsletter or mailing should tell the next bit of the advertising message "story". They need to be connected in some way, for example by having each message end with a tip or a testimonial. Use auto responding messages to your advantage in your email marketing campaign. These can help you stay in touch with your recipients.

They can be effective if your subscribers sign up for emails about various things you offer. You can tailor these to correspond with the information they signed up for. It also allows you an easier way to stay in touch. To avoid complications resulting from being identified as a spammer, notify your ISP of your email marketing intentions in advance. If any unhappy reader ever reports you, this will give your ISP the head’s up that your marketing efforts are legitimate. Your ISP may also be able to suggest an upgraded account that eases your email marketing operations. E-mail marketing offers several great advantages. It is a very cost-effective way to promote your business to a wide audience. It also enables your business to keep in contact with current customers, and form relationships. Use the tips that have been provided in this article, and make sure that your business has the best e-mail marketing program possible.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Smart Ways To Use Email Marketing Today

Marketing your business is a big job. You need to have techniques and methods that allow you to target your customers and clients in a way that fires them up for what you have to offer. Email marketing can be an excellent tool for your marketing strategy if you know how to use it. Here are some good tips to get you going. You might need to try following up to your customers with an alert on a price increase. The email could include a link that says to act now in order to avoid this increase. The ending of the message could convince them to click on the link in order to understand all the details. To help make sure you are sending out a good email marketing message, you need to test it in different formats beforehand. If you are sending out messages that your subscribers cannot read, then you will have unhappy customers who will not be able to view it. So make sure you are not wasting your time and your consumers with emails that will not properly show your message. Use your email marketing campaign to offer customers a personal perspective of your business.

Tell a story about how you got started and why you are passionate about your business while giving them a special promotion or offer. It will build trust in your clients and make them more apt to make a purchase from you. The emails you send out as part of your marketing campaign should start out with a welcoming, personalized tone. Include the name of the recipient in the subject line and the opening of the message. This will make your customers feel more receptive to your message and be more likely to patronize your business. Your job is only half finished once you hit the send button for your message.

Follow up with any and all available analytic tools you have. Keep an eye out for the effectiveness of your message in terms of response. Follow up on anything that looks like it worked, like tailoring specific offers to sub-segments of your directory. If you have to send out a long message, like a newsletter, use anchor tags near the top. Your subscriber should immediately see the headlines of the individual components of your message. This lets them jump straight to the ones that interest them instead of scrolling over the rest of it. Make responding promptly to emails your top priority. If a potential customer reaches out to you through email, you ought to do everything you can to reply to them within one day. Waiting longer may cost you the customer, and they may mention the lack of response to others.

Email marketing can be a great opportunity to reach your clients and customers. If you implement the tips that this article has given you, you are likely to notice that your target market is more satisfied. Use the tips here to create a solid email marketing plan that ultimately raises your profits.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Active Vs Passive Investing

When it comes to comparing active vs. passive investing and determining which investment method is best, the answer isn?t as clearly cut as you might imagine. Everyone has very different risk tolerance levels, so it?s important to understand your own preferences and investing goals before you choose between active and passive investing choices.

Active vs. Passive Investing Definitions Actively managed investments, such as mutual funds, try to beat the market performance of a benchmark index, such as the S&P 500, by choosing the best 100 or so performing stocks based on a likelihood of receiving good returns. A passively managed investment will simply accept that market performance is what it is and invest in all 500 stocks on the index. Which is Better ? Active or Passive? Many investors wonder what the better option is for their own investing goals. Once again, it does come down to the individual investor?s personal levels of risk tolerance.

The level of risk you?re willing to take with your hard-earned money can often determine how you?re willing to spend and invest. After all, higher risks can often yield higher returns. Unfortunately higher risks can also compound losses too. Low risk might equate to lower returns, but it?s commonly believed that a low guaranteed gain is far better than a risky bet on a higher risk return that may not eventuate. Active Investing An active investor understands that not all stock pricings move at the same rate or even in the same direction as the entire market as a whole. They will actively try to single out individual stocks that have the likelihood of out-performing the index. In most cases, actively managed mutual funds carry higher costs.

This is partly associated with the higher trading costs, time costs involved with researching likely stock picks and management costs. For those investors who wish to take on their active investing activities themselves rather than trust their money to a fund manager, then day trading on the stock market is a very similar tactic. You spend the time researching stocks that are likely to outperform the index and you manage your portfolio personally, buying and selling as you try to capture profits and minimize losses.

Passive Investing A passive investor will understand that as the market index moves up or down, then having a passively managed fund that is broadly diversified across almost all the available stocks on that index is likely to return average returns that are somewhat in line with the returns shown by that index.

assively managed funds often carry lower fees and may tend to offer lower returns. However, those lower returns are often favored by investors who believe that receiving a low return is better than risking the chance of receiving no return at all. For investors who once again don?t wish to trust their money to a fund manager, then your passive investing option is to develop a broadly diversified stock portfolio that you hold for the long term. You have the choice of allowing your stocks to simply sit in your portfolio and collecting the dividend or you can reinvest your dividend earnings back into your portfolio to acquire further stocks.

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Accelerated Debt Reduction – Save Money – Do It Yourself

Accelerated debt reduction is usually advertised by debt settlement companies wanting you to believe that the only way to get rid of debt quickly is to negotiate with your creditors to accept a reduced amount of money as payment for what you owe them. The truth is there really are ways to create an accelerated debt reduction plan on your own that could see you become debt free as well as teaching you important lessons about financial responsibility at the same time. Before You Begin Perhaps the best way to begin working on an accelerated debt reduction plan is to take a good look at your current budget and spending habits. Create a quick budget or write out a list of income and expenses so you know how much you?re spending.

If you can see any areas at all where you might be able to cut back your spending, then work on this now. Reduce Costs Many people believe that trying to save 50 cents on a grocery bill is the right thing to do when they?re trying to reduce debt. Instead of worrying about your living expenses, take a look at how much your consumer debts are costing you.

If you didn?t have to pay those every month, how much of your income would you have left over for yourself? Work on finding ways to reduce the amount of interest you pay each month. This could mean catching up any delinquent payments to stop those penalty fees from accumulating. It could also mean consolidating some of the more expensive debts into a lower interest option. If you have the option, then consider transferring the balance of a high interest credit card over to a low or no interest option.

Once your interest costs have been reduced, take advantage of that introductory period to pay down as much of that balance as possible before normal interest rate charges start again. Raise Income While it?s not possible for everyone to walk into the boss and demand a pay rise, there are other things you can do to raise some extra cash to get rid of those debts. Millions of dollars worth of regular items are sold every day on eBay. Take a look around your home and put anything you don?t use any more on eBay.

If this doesn?t appeal to you, hold a yard sale and see if you can raise a little cash this way. Not only will you be un-cluttering your home, you?ll be un-cluttering your debts at the same time. Whatever money you raise, put this immediately towards paying down your debt balances. This will give you a huge head start and keep your motivation high.

Discipline If you?ve managed to reduce your monthly repayment costs, then the best accelerated debt reduction method is to have the discipline to allocate those savings towards making extra payments on your debts. Whenever you receive a pay rise or a bonus or a little extra cash from any source, put it straight off the balance of your debts.

Many people hate this part of the discipline stage, preferring to spend bonuses on treats. Having the discipline to pay extra money off your debts now and go without those treats temporarily will mean you should have far more money to enjoy every month once those debts and the expensive repayments are gone for good. Good luck with your accelerated debt reduction journey.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

About Money Market Investing – Is It For You

Money market investing is depositing money with a bank or financial institution that keeps its cash in financial obligations that span a short term. This is done to provide low risk money market investing that yields modest returns. Money market investing is not for the individual who wants to get rich quick. The short-term debt strategies held in money market investing are usually made in highly rated companies and government agencies. Money market investing yields an average of 2% to %5 per year. You can, theoretically, lose money in a money market investment, but it is highly unlikely. The FDIC does not insure money market investments. You can lose all of your investment if the company holding it goes bankrupt. Money market investing is beneficial because of its low risk.

Many investors hold their money in a money market account when they are not investing in a more aggressive strategy. This gives the money a place to rest where it can still earn moderately, at low risk. Because of this procedure, money market investing represents one of the most widely held securities in finance. Investors often deposit profits from bonds, stocks, and mutual funds into money market accounts. Dividend and interest proceeds from more aggressive investments are generally deposited directly into money market accounts. Initially, you must deposit higher sums of money into money market investments than into bank accounts. Money market investing generally requires deposits of at least $100 to $5000 at the onset.

The per share price of money market investments is usually one dollar. Proceeds from money market investing are paid in shares. Check writing services are provided as a part of most money market investing. Money market investing is not one-size-fits all. Money market investing firms put their money in dissimilar securities. Because of this, they pay different interest rates.

You can deposit your money into a money market savings account that will yield a low interest rate, but is somewhat higher in interest than a standard bank account, or you can do your money market investing in a mutual fund. A mutual fund pools the resources of many money market investors.

The mutual fund?s manager buys money market securities for the mutual fund. Money market investing is generally open-ended, which means that the investors can deposit or withdraw monies at any time without risking penalties. Most money market accounts and funds require that a minimum balance be maintained. Interest rates from money market accounts are usually based on risk. The money market accounts and mutual funds paying the highest interest are, thereby, likely to run the highest financial risk. This is where the money market investor needs to weigh the security of their monies against the promise of return.

Different money market accounts make varying demands on the investor. Some will maintain a higher minimum balance, while others will limit the number of allowable withdrawals, some might do both. It is important to be aware of the restrictions and obligations placed upon your money market investing before you decide where and how to make your investments.

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5 Tips That Allow You To Be Debt Free

Picking yourself up out of debt can be difficult and tiring. This process requires hard work and focus, as you must learn to change your spending habits. It can be difficult for anyone to follow these changes and become debt free. If you want to be debt free, you need to follow a set plan. These 5 tips will help you to create, and stick to, that plan.

Assess your Debt The first thing that you need to do is to assess your current debt situation. You need to understand how much debt you have. You need to understand how much interest that debt is incurring. These numbers will help you to set your goals. If you want to be free of all debt, you need to fully understand that debt.

Make More than the Monthly Payment Many attempt to be freed from their debt by paying the minimum monthly payment on their credit cards. This method will not remove debt from your life. In some cases, the debt can still rise. You need to make an extra effort to pay more than the minimum amount each month.

The more you can afford to pay a month, the better off your finances will be. Budget Your Paycheck If you want to be free of debt, you need to budget out your paycheck. You need to budget for payments such as rent payments, car payments, and insurance payments. You should also budget out a specific amount for gas and groceries. After you have budgeted these needs, you can budget in the amount of money that you want to pay on your debt.

This will help to keep your current finances secure. Start Saving If you are looking to be free of debt, you need to start saving money. A solid savings account can help prevent you from going into unmanageable debt in the first place. While you may not be able to contribute a lot to your savings per paycheck, the account will eventually grow into a stable and reliable account. Take Something Out of your Routine Most people have a habitual spending habit that will drain them of a decent amount of money per month. Think about a specific spending habit that you have. Some people go out to fast food on specific days.

Others need their cup of coffee from their favorite coffee house every day before work. Taking these extra expenses out will help you to reallocate that money to a savings account or debt payment. It is important for you to assess your debt before you create your plan. This will allow you to understand your situation fully.

When you understand the situation, you can plan for monthly payments. This plan will also help you budget for your life, and budget for a savings account. These components all add up, helping you to be debt free as quickly as possible.

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5 Personal Bankruptcy Filing Tips

If you’ve done all you can, but you just aren’t able to pull yourself back up financially and you feel that filing for bankruptcy is your only resort, here are some personal bankruptcy filing tips that may help you make the process a little less stressful. When you file for bankruptcy protection you are immediately safe from creditors calls and repossessions. A creditor cannot legally contact you while your bankruptcy has been filed and after it’s been discharged they won’t have a reason to contact you since all your debt will have either been wiped out, Chapter 7, or you have a repayment plan in place, Chapter 13. Here are the steps you will need to take:

1. Decide whether or not you will be hiring an attorney. For most people it is advisable since bankruptcy laws are complicated and different from one state to the next. If you decide to hire an attorney take the opportunity to meet with several. Make sure you ask for a fee schedule, this isn’t the same as asking them how much your case will cost, it just means you know how much they will charge per hour and what other fees you may incur.

2. Gather up copies of all three credit reports as well as a thorough listing of all your debts and assets. This will include all loans whether they are secured or unsecured, medical bills, and a complete listing of any accounts such as savings or checking that you have. Make sure to include a full listing of any investments you may have and their current value. It’s not a good idea to leave anything out. If it is found out later you will face serious legal issues, be honest. In many states you will be allowed to keep some personal property like your home and a car. It does vary not only from state to state but also depending on how much equity you may have in your home. Many states will set limits to the amount of equity you can have in your home and still be able to keep it.

3. When gathering up your paperwork make sure to include the last few years of income tax records along with all your pay stubs for several months.

4. Once you’ve hired your attorney, have an honest conversation about what option you should choose, Chapter 7 or Chapter 13. Each form has it’s pros and cons and your attorney can help you decide which form would be best for you and your circumstances.

5. Even if you choose to hire an attorney, make sure you are as proactive during the process as possible. It’s important that you stay in close contact with your attorney to make sure there are no surprises. You should also go to all the hearings even though this can be a time consuming and stressful thing to do. The truth is that many people will hire an attorney and just step back. That is not a good idea. Any good attorney will have dozens of clients and while you’d like to think that they have all the facts about your case readily available, the fact is that they can overlook things and forget things.

It’s important that you pay close attention so you can point any oversights out to your attorney. After all, this is your life and your future on the line. If it ever comes the time to do a personal bankruptcy filing, the tips listed above can take at least a little of the fear out of the process. You’ve heard the saying that knowledge is power, use this knowledge to help you make this difficult time a little less stressful.

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4 Tips To Make Mortgage Debt Reduction Easy

Your home mortgage is often the largest debt most people have. In order to buy a home, taking out a mortgage is necessary, but have you thought about a mortgage debt reduction plan to pay it off quickly? Mortgage debt reduction needs to be a long term goal, but it doesn?t need to be difficult. In fact, there are several simple ways to reduce your mortgage quickly and cut down the loan term dramatically. You have the option of using one or a combination of any of the tips mentioned below as part of your mortgage debt reduction strategy. Payment Frequency When a bank calculates your mortgage repayments, they use a calculation known as ?amortization?.

This allows them to work out how much you need to pay each month so that a portion of your payment goes towards paying down your balance and the other portion of your payment is interest charged on your balance owing. They tell you how much you need to pay in monthly instalments to pay off your loan over the exact loan term written on your mortgage contract. However, if you?re paid bi-weekly or even weekly, you are able to adjust your repayments to the same frequency for which you get paid. This not only makes budgeting much easier to pay a smaller portion each pay period, but it can also cut years off your loan term and save you thousands in interest. Call your lender and ask them if you can adjust your payment frequency to bi-weekly, but be absolutely certain you work out your own calculation amounts before you call. Bi-Weekly Calculations Find out exactly how much your minimum monthly payment will be and then divide it by two if you?re paid bi-weekly. If you?re paid weekly, then divide your monthly payment by four.

Don?t use any fancy calculations or try to figure out how many weeks in a year and then divide by how many fortnights. This won?t work. Simply divide your minimum monthly repayment by two for bi-weekly or divide by four if you?re paid weekly. Write this figure down. It?s your new minimum repayment.

You?ll pay this new amount every time you?re paid. More than Minimum Once you have your new bi-weekly minimum repayment worked out, round this figure up to the nearest $5. For example, if your payment comes to $423.24, then round this up to $425. This small amount won?t break your budget and you?ll find it easier to remember how much you need to pay. Rounding up your repayments seems like such a small amount of money, yet it can save you tens of thousands of dollars in interest and reduce your loan term dramatically.

Lump Sum Reductions Lenders calculate your interest repayments based on the balance you owe at the end of every day. Then they add up how much interest has accumulated and show you one simple figure at the end of the month. By making more regular payments, such as weekly or bi-weekly payments, and then rounding up those amounts, you?re reducing the amount you owe on a more regular basis. This reduces the amount of interest the bank can charge you.

If you receive a pay raise or a tax refund or a bonus or if you earn some extra cash from a yard sale, pay it as a lump sum payment off your mortgage. This reduces your outstanding balance and lowers the amount of interest you?ll be charged. Mortgage debt reduction really is as simple as finding a plan and sticking to it.

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Best Financial Advice

There’s no such thing as the best financial advice for everyone. There’s only the best financial advice to suit your personal situation. Your financial circumstances, your income and your goals are not the same as anyone else’s. When it comes to finding the right advice to help you meet your intended goals, it’s important to tailor your plans to suit your unique situation. The best financial advice should consider every aspect of not just your investment goals or retirement savings plans or your insurance needs, but it should take into account tax effectiveness too. Once these things are taken into account, a tailored plan can be created to suit your personal needs. People begin searching for the best financial advice when they realize that they need some direction and assistance in sorting out a particular financial situation. This could mean working to build a blueprint for debt management and mortgage reduction.

Your plans might include finding a more effective way to reduce the amount of tax you pay legally or it might be targeted towards increasing your retirement savings. It may also mean finding a way to begin an investment portfolio. When you ask anyone who’s doing well financially what the best financial advice they ever received was, most of them will say it was a simple tip given by someone they admired. Those nuggets of financial wisdom can often build a basis for success.

That piece of best financial advice for you might be something as simple as ‘Pay yourself first’ or ‘live below your means’ or ‘save something for a rainy day’. No matter what inspires you to take the first steps to your own financial future, what matters most is that it motivates you to take action to get your own financial goals under control. Of course, once you’ve found your inspiration to improve your financial situation, it’s sometimes necessary to seek out the help of a professional to get your plan right. This could be a financial advisor who is qualified to give expert advice on the most effective ways to create a blueprint that could help you reach your goals. When you’re searching for the best financial advice company to trust your financial future with, remember to take some time to research your options.

Always check that the advisor you’ll be working with is qualified to give advice on every aspect of your financial plans. If possible, you should also check that the advisor is able to offer a broad range of financial and investment products and options to suit your goals best. Some advisers are affiliated with a particular bank or insurance company or stock brokerage or accountancy firm and so are more likely to only recommend those products and services available through their own company. While this is acceptable in most cases, it’s still wise to check that you’re able to access the broadest range of information available to you. So if you’re seeking the best financial advice, remember to find the advice that most suits your personal goals.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Bill Consolidation Loans What You Need To Know

Now that many of us are experiencing first hand the bad financial decisions that we have been encouraged to make over the past few decades, it’s time to start to take stock of our financial house and make things right. If you are considering bill consolidation loans then you need to read this article. There are two major types of consolidation loans: secured and unsecured. A secured loan will want something for collateral, usually your house. It amounts to a second mortgage.

This isn’t a bad option as long as you have sound financial skills and a steady income. Many people will get into trouble with this type of loan because they often have bad financial habits which is what lead to them needing the consolidation loan in the first place. For example, someone who uses credit cards to live beyond their means could potentially lose everything with a secured loan. They will be able to pay off all of their credit cards which is good but they will also have another mortgage payment to make. If they are responsible and don’t use their cards, and they pay their house payments on time, this can be an excellent option.

But if they revert to their bad financial habits and start racking up credit card debt they will be in a lot of trouble because now they will not only have their credit card bills they will also have their second mortgage payment too. If they default on their mortgage payment they will likely lose their house. An unsecured loan can be a safer option but you’ll need excellent credit to qualify. The bank is much stricter on who receives an unsecured loan because they don’t have any collateral and are taking on much more risk. If you have even minor problems with your credit you probably won’t be approved. If you are approved you will likely have a much higher interest rate. This too can be an excellent option to help you get out of debt but you have to make smart financial moves from that point forward. You don’t have to get a second mortgage on your house but the bank will only allow you to consolidate your debt so many times.

You have to use this money to pay off your credit cards and then put them away. Only use credit for emergencies, and no, a plasma t.v. isn’t an emergency. If you are financially smart and use a bill consolidation loans wisely it might be a good option for you. Just remember it isn’t a magic cure, you still have to be financially responsible.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.