Posts Tagged ‘shopping’

Home Christmas

Home Christmas

When do basic trainees get to come home for Christmas Exodus?

My boyfriend left for basic training at Ft. Benning. I know that he only gets one day off for Thanksgiving so won't be able to come home then, but when do they get to come home for Christmas? How long is that break?

My husband is Cadre here at Fort Jackson. From what he told me Its starts between Dec 18- Jan 3. Here is an article with info on Christmas Exodus

http://usmilitary.about.com/cs/joiningup/a/recruiter9_2.htm

"I'll Be Home for Christmas" - Rascal Flatts Official Music Video

One All

One All

How to move all music files into one folder?

I have several full discographies of famous artists (nirvana/nine inch nails/the beatles) and they have made a LOT of songs.
By the way, my goal is to create one big music folder with all my music.
Anyway, each song is categorized into folders (albums), and dragging and dropping every single album (around 80) into the big folder is extremely time-consuming.
My question is this: Is there a program/shortcut that can search for music and copy/cut all my music files into one giant folder?

start menu
search
pictures music video

leave the filename blank

copy all the music files to the folder

High School Musical 2: 'All for One' Music Video

Back Home

Back Home

How do u get back home from a public place in sims 3?

My sim went shopping but is stuck there because I don't have a clue how to get her back home. How do I do this?? thanks.

click on the little symbol on her image in the box on the left side. it will take you home whether by car or taxi.

Blue Scholars - "Back Home" Music Video

Special Markets

Special Markets

Direct Mail Marketing – Can it Really Pay Off? Step 1: Researching your Target Market

Maybe you have thought about direct mail. Maybe you have wondered whether it could work for you. Maybe you have done it, but it never really paid off. Possibly you thought there was so much to learn that you didn’t know where to start. Whatever your particular ‘story’ is you are reading this. And yes, there are a million and one ways to do something wrong – but there are only a handful of ways to get it right. In this article, I will show you what has brought success to hundreds of mortgage brokers and how direct mail marketing can work for you.

My goal in this article is to help you get started by helping you figure out WHO you should be mailing to and WHAT product to promote to them. In fact – I will be writing a series of articles taking you all the way from the research to the tracking of the results and your return on investment. There will be practical exercises for you to do in between the next issues, so roll up your sleeves and get ready to start cooking – or start rolling in the dough.

I’ve literally dealt with the marketing of thousands of mortgage brokers and one thing is certain… Once you guys start doing really well financially you want to branch out on your own and start your own company. However, most brokers haven’t taken Marketing 101, so they tend to fail. Not because they aren’t good brokers, but because they aren’t good marketers. In fact, it is not only a trend I see in the Mortgage Industry, but many other industries as well. To tell you the truth, with all that I know about marketing I’m confident that I could make ANY business successful. Sounds pretty cocky but hands down, I could do it. Because I know marketing.

Why do I know that I could make it successful? Because I learned something vitally important: outbound communication is key. It is more important then what you receive. You will generate interest and credibility the more you communicate and the more you communicate repeatedly.

But not just to anybody. Why would you communicate to folks that have no reason to buy a home or refinance their home if you were a mortgage broker? How will you go about defining your target market? What is the scientific approach to choosing your mailing list?

On the outset, that may seem easy. Just advertise your subprime product to a subprime list. Or maybe not. But you do not want to guess on this. You need solid evidence. The best way to get that evidence is via your own records – your past closes and what it was you sold and to whom. What you are looking for is twofold:

1) Your easiest-to-close customers and

2) Customers that financed with your highest income-generating products.

To recap in mid-stream let me give you four key data to latch onto:

1) Outbound communication is key.

2) Repeated communication is vital.

3) Your easiest-to-close customers should be promoted to first.

4) Your highest income-generating products should be next in line to promote.

Now let’s get started. Research which product you need to market.

When you start researching, you really shouldn’t go off of assumptions. Ideally you’ll go through your client list and tabulate which product you sold the most of. Was it prime? Subprime? Re-fi? Jumbo? Most of the time, you really have to do a sincere survey. You are looking to market the product that makes you the most income the quickest FIRST.

Exactly how should you do the research?

Create a spreadsheet and go through all of your past closes over the last year. List them out: Product X, Product Y, Product Z and so on – find every close you made over the few year and mark down which product it was and what you earned off of it. Also note down HOW MANY of that product you sold.

Example Tabulation:

Product X: Earned 1% Sold 8
Product Y: Earned $900 Sold 20
Product Z: Earned ½% Sold 12

Using the above example it is easy to see that Product ‘Y’ is what you should be marketing in your direct mail campaign. We’ll consider product ‘Y’ your bread and butter. Obviously these are the easiest to close so let’s create as many leads as we can and assume you’ll close them up.

Once you’re grooving right along with that product (and we’ll get to the target market in a few paragraphs) use the same spreadsheet to determine which product yielded the highest commissions. Maybe Product ‘X’ averaged around $2000 per close but with only five sold you’re still doing better with ‘Y’, economically speaking. BUT if you just increase the number of leads that would need or desire product ‘X’ you could really start raking it in, right?

Do you see where I’m going with this? Haphazardly, with little or no direct mail – perhaps with referrals only – you’re managing to sell certain products to certain demographics. Of course, in reality, it will be many more than three different products which is why you need to go about this systematically.

However, once you start promoting Product ‘Y’ and you start receiving an abundance of leads, DO NOT stop promoting that product just because you now have some more business. Keep on putting out that communication repeatedly and additionally market to the next product to the target market. We’re going for abundance here. When you’ve got an abundance of business, it is much easier to solve whatever problems arise with that than the type of problems that come from having a scarcity of business.

Learning a subject is all about wrapping your wits around the key principles involved and building upon those. Wrap your wits around this and you will be on your way to becoming a marketing expert.

Now that you know which product to start with, you have to know who is going to buy it, which comes to our next step.

Research to find who the audience is that you are going to sell to.

Not all audiences are the same. Take for example the TV show, Showtime at the Apollo. Not everyone would want to watch that. Just like there is a totally different target audience for American Idol. (If you never heard of these, then more than likely you aren’t their audience.) Case in point: you have to determine who your audience is, which is called a “market”. A “market” is a type of audience, a type of user. Figure out everything you can about that particular market that buys your main (what you sell the most of) product. The good thing is that you already have access to all their data – age ranges, credit scores, income, etc. It is time to add this data to your spread sheet.

Product X: Earned 1% Sold 8
Product Y: Earned $900 Sold 20
Product Z: Earned ½% Sold 12

Credit ranges

Age ranges

Income level

Once you have the demographics of the people that buy your “easiest-to-sell” product, you can then buy a list of that particular type of audience. You can go to a list company that you feel good about or have gotten recommendations for, and buy a list of people within those specific criteria. Get a list in a certain zip code or a certain mile radius around your office. (I have found that in more rural areas you will have to do a larger mileage radius than you would have to in a more urban area – it depends on the population.)

The reason you want to do such a thorough job of finding out who you are selling to is that 40% of your marketing campaign’s success (success meaning whether or not you get a good response) is dependent on your list. 40%! That is a big percentage to mess up on at the get-go. Besides, it is your list and the postage that are going to be the most expensive parts of your direct mail campaign. I cannot stress enough the importance of a good list – it makes all the difference in the world.

Here is an excellent case study of a company of mortgage professionals called Priority Financial Services that did exactly what I have been writing about here. They did an exhaustive research of what type of product they should focus on offering and what type of consumer would reach for their services.

Ervin Kowitz and Brian Kowitz are the owners of PFS. Their specialties include "no income qualifier" loans and loans for those without an income. They have a great deal of experience and expertise for those borrowers with credit problems including bankruptcy and foreclosure. With over 12,000 loans closed since 1994, they had quite a history that helped them determine the type of customer that they decided to focus on. Coupling their own internal study with market research and data retrieval from a source of strategic partners, Ervin and Brian were able to focus on a sector of the market whose need was the biggest segment of the growing market and truly specialize in it. This will vary for your particular business or area, but you can ascertain your niche in the same or similar way that they did.

The question they asked themselves was, ‘what was the most valuable asset that their business had’. Contrary to the usual answers of inventory, lease or even employees – even though employees are very high on the list, Ervin and Brian determined that their actual client base was their most valuable asset with their employees running a close 2nd. Once they determined this, they were on the right track to determining their niche.

PFS determined via their client base where their best clients were coming from and also analyzed where they were getting their best return. They saw a tremendous need in their customer base for financing for credit challenged individuals. Being primarily in the sub-prime market, Ervin and Brian further targeted a highly unique sector of the mortgage business – bankruptcies. They had spent 11 years dealing with the ‘ins and outs’ of bankruptcies, so much that 41% of their business was that specialized market. When this was unearthed, they had found their niche.

Niches can be very selective and they can be very broad as Ervin and Brian discovered. Even though they researched and found their niche, every issue they are presented with is unique. Though they offer many different products for their specialized market, they have been able to create a “service” niche. Through their creativity and understanding of the needs of their credit-challenged clients, they have been able to create literally a road map for each individual customer that is specific to them and in their best interest.

Priority Financial Service’s research may be very different than the research you need to do. The important thing is to comb through your files and take a look for the biggest commonalities and find out all you can about that product, market or trend you discover. You will have your own realization and you’ll be able to better define your target market and what particular products you need to concentrate your efforts on. Being everything to all people doesn’t necessarily communicate in marketing. People want to know what you can do for them specifically and when you are able to communicate that to a specific group – bingo! You just hit the jack pot.

In my next article,“Direct Mail Marketing-Can It Really Pay Off -Part Two”, I will teach you how to create copy (text, verbiage) in your promotional material to really get your message across to your target market in order to get a response. In the meantime, you have some homework to do. Happy Hunting!

Vagabond Investors Special Market Update May 17th 2010 Part II

Ice Cube

Ice Cube

With the Stylish Newair Ai-100bk or Ai-100r Ice Maker, You Can Finally Have Ice Cubes Whenever You Need Them!

Portable ice makers are great gourmet items to show-off at your next get-together or party.  Such units will also save you time, money, and effort.  Say goodbye to frantic runs to the store for ice in the middle of a party or wasting money on overpriced store ice – a portable ice maker gives you an endless supply of ice within minutes. 

Although most modern refrigerators have built-in ice makers, they are often slow and may not have the ability to produce larger amounts of ice at once.  As such, one of the most beneficial features of a portable ice cube machine is that it produces ice quickly. Once plugged in, simply pour in water, set your desired ice cube size, and the ice-making cycle will immediately begin.  In most cases, there is no installation required.   While these appliances are not designed to store large quantities of ice for prolonged periods of time, they can still produce ice rapidly and are a welcome addition to any home, office, boat, or RV. 

Portable ice makers come in a range of styles and sizes, so when choosing a unit, pay attention to these details:

Ice Making Capabilities:  As opposed to refrigerator ice makers which can take up to 30 minutes to make a small batch of ice, portable ice makers take only minutes – anywhere from 7 to15.  Pay attention to how quickly each ice making cycle takes, as well as how much ice can be produced in a day. 

Ease of Use:  Most portable ice makers such as the NewAir AI-100BK or AI-100R are extremely simple to operate.  In most cases, bottled or tap water is usually poured directly into the water reservoir. Some larger or commercial units may even be able to accommodate a direct water line. 

Ice Cube Size:  Look for a portable ice maker with more than one ice cube size and/or shape.  A quality unit will usually allow you to choose from three cube sizes – large, medium, or small.  Some models may be able to produce different shapes of ice such as cubed or crushed. 

Durability:  Look for a portable ice maker that is sturdy.  Stainless steel or heavy-duty plastic are both good choices in terms of housing materials. 

Appearance and Design:  Select a portable ice maker that goes best with your décor and other home appliances.  Many commercial units can be quite large, so choosing the right size is also important.  If you have limited kitchen storage space, you’ll want to look for a compact countertop model. 

Easy to Clean:  Being able to rinse out and wipe your ice maker down when it’s no longer in use makes life easier.  However, some ice makers also come with “self-cleaning” functions and/or side mounted drains.  This will allow you to easily empty out any unused water from the tank. 

Recommended Models:  Our product team recently came across two new portable units from NewAir – the AI-100BK and AI-100R.  These ultra-modern units have the ability to make up to 35 pounds of ice per day in three different sizes.  Available in either black or red, these eye-catching, counter-top units are not only efficient, but they also look great sitting in your kitchen.  Best of all, the NewAir AI-100BK and AI-100R do not require direct plumbing.  Just fill the reservoir with water and ice is made in as little as 15 minutes! 

Ice Cube - Gangsta Rap Made Me Do It (Official Video)