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10 Tips To Improve Your Credit Score

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Aug 272023
 

These days most of us avail loans to buy a house, set up a business, or buy a car. Many students take loans to further their education. How soon the loan is sanctioned, the rate of interest, and the amount sanctioned will all depend on your credit score which is based on your credit report. People with scores of 700 and more are the beneficiaries of lower interest rates and quick sanctions. Imagine if your score is greater than 700 and another person has a score of 698 then the person with score 698 will have to pay interest that is higher by one-half percentage point. And, this means over a year a person with a lower score will pay USD 19,000 and more as interest on a loan of say USD 165,000.

A credit score takes into consideration: payment history, current earnings, current debt, length of credit history, types of credit utilized, and your new credit. If two or more members of your family are earning then apply for a loan jointly.

You can take a few simple steps and ensure that your credit score is higher than 700.

• Maintain a long healthy credit history. Keep alive your oldest credit card and be sure to pay all bills in time. Never keep bills pending over a 30 day period. If in a crunch at least pay the minimum charges due.

• Do not have too many credit cards. Learn to say “NO,” to offers of free credit cards. And, maintain a good credit limit. Avoid using all the available credit on the cards.

• Ensure that the credit report you have is accurate and that there are no errors clerical or otherwise.

• Plan your finance such that it is healthy. Consider debt consolidation.

• Never suddenly close or open accounts. This leads to suspicion that you are trying to manipulate your credit report.

• If you are having problems speak to your creditors well in advance and work out a stage wise repayment. Request the creditor to refrain from reporting the late payment.

• Late or delayed payments drive your score down so always pay bills dead on time. Keep a tab on due dates and ensure that all bills are paid.



Learn all you can about credit reports and scores and keep the criteria in mind while managing your finances. Maintain the debt-to-credit limit ratio and, if need be take the help of a finance planner. A useful source to learn about managing credit is: http://www.balancepro.net/services/index.html they provide in depth coverage on money management, debt management, and credit report review.

Even if advised refrain from filing for bankruptcy. All you need to do is to sit down and curtail expenses, plan you income-expenditure , and avoid spending what you have not earned.

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Globalization – Economic Dimension

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Aug 262023
 

In simple terms, the phenomenon of ‘globalization’ is perceived as increased inter-connectedness of the world (Papers4you.com, 2006). However there are three primary defining pillars of globalization that includes cultural, political and economic dimensions (Potter, 2002). It was argued that ‘cultural globalization’ is increasing convergence of cultural styles on a global norm, with that norm being codified and defined by the global capitalist system. Now cultural values and norms are shared and adopted among people in a way where we are giving rise to one global culture. Similarly it was asserted that ‘political globalization’ is regarding as erosion of the former role and power of the nation-state.

On the other hand, Potter (2002:192) defines ‘economic globalization’ as economy where “distance has become less important to economic activities, so that large countries sub-contract to branchplants in far distant regions, effectively operating within a ‘borderless’ world”. However Inoguchi (2001) attempted to differentiate between international and global economy. International economy suggests importance of national economies working as units under national states as a result the international economy concerns activities that take place among various ‘national economies’. However global economy describes unity of globe where geographical distance is no longer obstacle to economic activities. It also implies aggregation of the movement of goods and services worldwide together with their concomitant activities including movement of technology information and currencies without ‘tyranny of distance’.

The economic globalization was flourished in 1990s and many examples can be taken to validate this argument (Papers4you.com, 2006). For instance Western European integration was first step towards economic globalization by European countries through signing Maastricht Treaty in 1991 that lead to creation of single market in 1992 and set base for European Union that was on full operation in 1999. Similarly 12 members of European Community and seven members of EFTA formed European Economic Area for free trade including 380 million people and accounted for 40% of world trade (Meredith & Dyster, 1999).

How ever it was the signature on First Act Embodying the Results of the Uruguay Round of Multilateral Trade Negotiations in April, 1994 that developed the official foundation of first real concept of borderless global economy (LeQuesene, 1996). The primary aim of Uruguay Round was finalizing ways to reduce tariff barriers in developed countries as well as reduce non tariff barriers like elimination of safeguarding, antidumping restrictions and voluntary export restraint (Meredith & Dyster, 1999:291). Currently, WTO is a body looking after ensuring economic globalization primarily through trade liberalization.

These attempts resulted in boom of what is known as ‘global economic convergence’, that is ‘global integration of product’ (through world’s top manufacturing companies’ global operations by conducting planning, production and joint research with companies of myriad nationalities and outside their home countries) and financial markets through currency trading, baking and loans and investment in bonds and equity leading towards global homogenization (Kenworthy, 1997).

References

Inoguchi, T., (2001), ‘The World Economy’, in Inoguchi, T., (eds) (2001), Global Change- A Japanese Perspective, Hampshire: Palgrave.

Kneworthy, L., (1997), ‘Globalisation and Economic Convergence’, Competition and Change, 1997, Vol 2

LeQuesne, C., (1996), ‘The Uruguay Round’, in LeQuesne, C., (eds) (1996), Reforming World Trade, the Social and Environmental Priorities, Oxford: Oxfam

Meredith, D., & Dyster, B., (1999), ‘International Economic Impacts on Australia in the 1990s’, in Meredith, D., & Dyster, B., (eds) (1999), Australia In The Global Economy- Continuity and Change, Cambridge: Cambridge University Press.

Papers For You (2006) “P/B/653. Negative effects of globalisation”, Available from http://www.coursework4you.co.uk/sprtbus18.htm [19/06/2006]

Papers For You (2006) “S/M/81. IN THE MIST OF GLOBALISATION: CLASSICAL STRATEGIC MANAGEMENT IN THE 21ST CENTURY-IS IT WORKING?”, Available from Papers4you.com [19/06/2006]

Potter, C (2002), ‘Global Convergence, Divergence and Development’, in Desai V and Potter, R. (eds) (2002), The Companion to Development Studies, London: Arnold.

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Business Ethics and Unethical Practices

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Aug 252023
 

The study of business ethics and its implications for different stakeholders have seen tremendous growth in the past few decades. There has also been a rise in the use and development of codes of ethics and announcements for ethical practices by many firms; however companies are still criticized for their unethical practices at different levels (Papers4you.com, 2006). Business ethics, according to the literature has been entrenched with the philosophical details of Ethics (Trevino & Nelson, 1999). Ethics has been defined as ‘the activity of examining the moral standards of a society, and asking how these standards apply to ones life and whether these standards are reasonable’ (Velasquez, 1998; p. 11).

The literature on business ethics is divided on its views about the motivation and reason for businesses to have an ethical dimension. Drawing upon Harrison (2001), there are two major schools of thoughts, firstly those who suggest that firms are profit generating institutions and therefore business ethics is yet another way to attract customers, secondly those who support corporate conscience and intrinsic motivation for the adoption of business ethics.

Business ethics has been considered very subjective in nature and according to Paul (2001) is considered a function of time and culture. It has been established that with the passage of time business ethics have evolved and also that the cultural values and norms drive business ethics within national and regional boundaries. One of the major studies regarding the national values has been conducted by Hofstede (1983). According to this research, which was only based on four indicators i.e. individualism, power distance, uncertainty avoidance and masculinity, there is a great deal of differences among values across different nations and consequently the business ethics. Globalization combined with standardization has made businesses financially efficient but at the same time poses questions regarding the standardized codes of business ethics across national boundaries.

Vinten (1991) has divided the business ethical issues at different levels i.e. international business, domestic business and professional ethics. At the international level ethical issues include free-masonry and socialism versus capitalism; at domestic level these include religious dimensions, social marketing and ethical education; and lastly at the individual level these include bribery, corruption and data protection (Papers4you.com, 2006).

There are many reasons and criticisms for the failure of adoption of ethics in the business world. Firstly, the concept is considered to be overly theoretical and it also negates the basic purpose of any business i.e. to create shareholder’s wealth. Secondly, it has lack of direction and unanimity across different cultures and academic groups. Lastly, it has many inherent unresolved dichotomies that according to Sternberg (1994) make it a case of rejected relativism.

References:

Harrison, J. (2001), Ethics for Australian Business, Prentice-Hall, French’s Forest

Hofstede, G. (1983), The Cultural Relativity of Organizational Practices and Theories, Journal of International Business Studies, Vol. 14, No. 2, pp.75-89

Papers For You (2006) “S/B/92. What distinguishes ethical from unethical business activity and how significant are the principles of business ethics in modern business?”, Available from http://www.coursework4you.co.uk/sprtbus21.htm [17/06/2006]

Papers For You (2006) “S/B/49. ‘Should businesses strive to be ethical?’ Critically Discuss”, Available from Papers4you.com [18/06/2006]

Paul, S. (2001), Cultural and Business Ethics, Cross Cultural Management: An international Journal, Volume 8 No. 1, pp 22-35

Sternberg, E. (1994), Relativism rejected: the possibility of transnational business ethics, in Hoffman, W.M., Kamm, J.B., Frederick, R.E., Petry, E.S. Jr (Eds), National Conference on Business Ethics. Proceedings from the 9th Conference on Business Ethics Sponsored by the Centre for Business Ethics at Bentley College, Quorum Books, New York, NY, pp.143-50

Trevino, L.K., Nelson, K.A. (1999), Managing Business Ethics: Straight Talk about How to Do It Right, 2nd ed., J. Wiley & Sons, New York, NY

Velasquez, M.G. (1998), Business Ethics: Concepts and Cases, 4th ed., Prentice-Hall, Englewood Cliffs, NJ

Vinten, G. (1991), Business Ethics: Busybody or Corporate Conscience?, Managerial Auditing Journal, Volume 5, Number 2, pp. 123-144

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How effective can Financial Performance Analysis be?

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Aug 242023
 

With heightened competition, market concentration and regulation, British Telecom (BT) has employed a number of tactics to maintain profitability, market share and overall financial performance. As leaders of info-communications and worldwide ventures, BT have been contracting part of their operations, services and transferring responsibility to specialist branches, thereby achieving economic efficiency.
Manoj Kumar, a supply chain consultant claimed, “Most of the outsourcing that’s happening has been triggered by cost, and if you want to minimize cost, it’s mainly going offshore” (www.industryweek.com). For example, in India the IT workforce is estimated to rise to 2.2 million worker by 2008 from a mere 280,000 today (McKinsey Report, Ethicalcorp Magazine, www.ethicalcorp.com). BT have been fortunate to benefit from economies of scale in terms of purchasing, financial, marketing, technical and managerial improvements. Reducing costs simultaneously reduce risks helping to free financial resources. Instead of tying up resources in non-core areas they can be contracted at operational expenses. Contracting part of BTs services has been a viable choice rather than building functions from scratch. In doing so, BT have increased their customer base and re-attracted customers who left in the first place due to inherent inefficiencies. BT have benefited from 25% increase in its most recent financial quarter (www.cbronline.com/article_news). Likewise, many banking services from Barclays to HSBC as well as I.T. companies including Microsoft have followed the same suit indicating a rising market trend. In 2005, BT derived 91% of its revenue in the UK by providing communication solutions for homes and business helped by rising demand for broadband internet services. Financial statistics reveal: profits up by 32% in 2005 – a clear indication of improved market performance. In the Global market BT have experienced immense growth and promises to continue ‘develop[ing) our acquisition strategy, invest in our people, our skills and our global capabilities and unlock the value of our acquisitions and partnerships’. BT remains one of the market leaders in telecommunications. It started its journey as a state-owned enterprise. Following its privatisation in the 1990s shows a gradual shift in restructuring operations and management in achieving economic efficiency thereby improving financial profitability and performance with an entrepreneurial flair. It seems that BT have found their ground transforming its unstable performance to an innovative and booming market performer.

References:

http://www.btplc.com/Sharesandperformance/Annualreportandreview/Annualreports/Annualreportsarchive.htm

BT’s quarterly newsletter for industry analysts, Issue 4, June 2006
https://www.btplc.com/Thegroup/Industryanalysts/Newsletter/ANALYST4_5.pdf

McKinsey Report Ethicalcorp Magazine, www.ethicalcorp.com

Papers For You (2006) ” P/F/461. Operating and Financial Review”, Available from http://www.coursework4you.co.uk/sprtfina45.htm [22/06/2006]

Papers For You (2006) “P/F/455. Report on business and financial performance of BT”, Available from Papers4you.com [21/06/2006]

www.cbronline.com/article_new

www.industryweek.com/ReadArticle

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The essence of kaizen and its role in operations

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Aug 232023
 

The present article discusses the notion of kaizen and its role as the integral part of TQM philosophy. The major points of interests are the core of the kaizen philosophy and what can be learnt from it, implementation requirements and the importance of corporate culture as one of the most important determinant of successful integration of kaizen (Papers4you.com, 2006).

According to Imai (1997) kaizen is the philosophy of incremental continuous improvement with involvement of everyone. At first glance everything is pretty clear and simple – what you need to do is to improve the processes around to make things more efficient. However the first barrier which appear on the way to improvement are few questions: what to improve, why to improve, who shall improve, where to improve, how far to improve, far how much it will cost. All these questions are answered by kaizen. This philosophy stresses the high importance of working environment as the actual place of improvement and the source of information regarding improvement areas (Imai calls is gemba). Everything what creates wastes of resources – time, emotions, financial resources, raw materials, unnecessary steps – might be improved (muda elimination – Imai (1997).
The real life advantages of this approach were observed by Shigeo and Dillon (1989) with the case of Toyota Motor Corporation. The company sought to maximize the waste elimination and error-free production by introducing real time alert system on the operations level. This system allowed ground floor employees to stop the production line if problems occurred (Papers4you.com, 2006).
The major message of Imai about kaizen is that continuous improvements cost nothing but might significantly improve the overall process. However, prior to rushing to improving found drawbacks an individual shall evaluate the consequences of change as well as the degree of its urgency and its usefulness for the work process.
One of the main questions which arise is why various firms have not yet benefited from integrating kaizen. In practice, certain organisations restrain the capability of employees to amend the set operational procedures. The set organisational culture prevents ground floor employees from involvement in decision making what becomes one of the major obstacles. As the result people do not feel being involved or important and are not ready to seek the improvements. As the result the principle of kaizen – involving everyone can not be matched.
Various analysts warn against blind use of kaizen as the blueprint for an organisation to become competitive and successful. Thus, Peters (1997) and Hammer & Stanton (1996) claim that under certain conditions continuous improvement is useless, unless the whole process is radically changed. As Hammer & Stanton (1996) put it “unless we change the outdated rules and the fundamental assumptions that underline operations, we are merely rearranging the deck chair on the Titanic”

References

Hammer M. & Stanton S. (1996) The reengineering revolution, Handbook. London: Hammersmith.

Imai M. (1997) Gemba Kaizen : A Commonsense Low-cost Approach to Management, New York: McGraw-Hill Professional

Papers For You (2006) “C/OM/28. What are the characteristics of total quality management?”, Available from http://www.coursework4you.co.uk/sprtopem7.htm [22/06/2006]

Papers For You (2006) “S/OM/23. Total Quality Management”, Available from Papers4you.com [21/06/2006]


Peters T. J. (1997) The circle of innovation: you can’t shrink your way to greatness, London: Hodder & Stoughton

Shigeo S. and Dillon A. P. (1989) A Study of the Toyota Production System from an Industrial Engineering Viewpoint – Norwalk, Conn: Productivity Press

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The Art of Becoming Wealthy

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Aug 222023
 

You may publish this article in your ezine, newsletter on
your web site as long as the byline is included and the
article is included in it’s entirety. I also ask that you
activate any html links found in the article and in the
byline. Please send a courtesy link or email where you
publish to: support@multiplestreammktg.com


The Art of Becoming Wealthy
Copyright ? 2006


The concept behind any form of wealth is creating income.
Are you satisfied with your current income? Probably not.
Have you ever wondered why this is so? A typical case,
shared often at seminars, is that of a person who has
constant challenges with money but disapproves of
accumulating wealth, implying that it is dirty and that it
spoils and changes people.

Further, this person is uncomfortable with people in
business who have more money and yet he or she can’t
succeed. What should such a person do? Clearly this person
is carrying around a mental image that says: “If you have
much money, you’ll be ruined by it and you don’t want that.
So, it is better to remain poor than seek wealth.” The
consequence of such thinking is, not surprisingly, a lack
of money.

Get rid of these thoughts if you want to be wealthy
someday. The Law of Income says that wealth is first
created in the mind. A Wealthy Self-Image People who can’t
imagine themselves wealthy are not yet mature enough to
become wealthy.

Everything begins in the mind as a thought – life is a game
that is directed from between your ears. If you can’t “see”
yourself with money, then your subconscious still doesn’t
have a clear picture of how to act and therefore cannot
help you get there.

In fact, whatever picture you hold of yourself in your
subconscious mind is the person your mind is busy ensuring
you are. If your self-image is one of a poor person or
someone “struggling to get ahead,” then that is who you
will be. Make sure you create and nurse positive pictures
of yourself.

Why You Are Not Wealthy Today? There are two reasons that
you don’t have as much money today as you desire:

1. You didn’t think about or plan for today before it
arrived. Had you been more aware, then, that you would
always need money and acted on that awareness in the past,
you would be wealthier today than you are right now. Why?
Because, you would have intentionally saved money, perhaps
even by making small sacrifices over the years or invested
money. Even small amounts, and would therefore have more
money today than you currently have.

Make a list of your expenses for one month; you’ll quickly
discover how many unnecessary things you buy and how much
you could therefore set-aside for tomorrow. If you want to
free yourself from financial troubles, then start putting a
portion of your money into a special account.

2. The work you have now isn’t bringing in enough money.
There are many ways to increase, even maximize, the
financial and non-monetary rewards you earn from your job.
Ridding Your Path of Obstacles The unfavorable financial
situation you are in usually comes from a very specific
challenge.

Those who do not have money have usually been taught to
believe that money is dirty or that it can’t be earned in
an honest way. So how will you find your fortune, if your
subconscious is being fed with things like, “All rich
people are dishonest and I don’t want to be like that.”?
What follows is clear, perhaps you believe that money
changes, even spoils people.

If you hold this to be true, wealth will elude you. You
have to be clear about the following fact: “Money itself
doesn’t mean anything – it’s just a piece of paper, a tool
that can be used to trade for material goods.” Money is a
“stand-in” for the things you want to buy. Does this mean
that all the things you buy are bad and rotten? If that’s
true, why do people desire new cars? Imagine your job pays
you “in cars” instead of money – would you say now that
cars are bad and rotten?

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How Content Can Really Increase Your Sales

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Aug 212023
 

Search engines don’t buy products and services. People do.

To sell your products and services online, you need targeted traffic. Search engines will send you targeted traffic, and a lot of it, if you take certain steps.

The first step in your search engine marketing campaign isn’t search engine optimization. Your first step is to understand the internet and how to effectively use it to promote your products and services.

The internet is a content driven medium. Searchers are looking for information. They don’t want to be sold to. They want value. You can provide this value through the content you write for your website, as well as content you write for your promotions.

Therefore, you need to develop a complete, content management strategy. Your content management strategy needs to be customer focused, content driven, and optimized for the search engines.

Your content management strategy should consider on page and off page optimization factors. On page factors include optimizing your page for keywords relevant to your page, titles, and descriptions. Off page factors include link exchanges and backlinks.

Once you’ve chosen the topic for your site, you need to develop your website. Decide what content you will write. Your content should include articles, press releases, and product reviews. You can also create free ebooks, reports, and white papers provided the information you include will be useful to your site visitor.

Before developing your content, you need to do your research. Find out what your readers are searching for. There are plenty of free tools and software on the internet to help you accomplish this task. Simply search for a keyword phrase like “keyword suggestion tools”.

When you’re ready to write your content, choose two to three keywords and/or keyword phrases in the text for your page. Write your content and then optimize your page for these keywords. You can use free software like Web CEO.

Although on page optimization will help you if you don’t have a lot of competition for your keyword phrases, it is not enough if you are targeting high competition words. To raise your rankings, you will need to link to high traffic sites with high page rank. Building backlinks from other websites will also help you raise your rankings.

Do a search in your favorite search engine to find sites you can link to. Study these sites. Check to see what keywords they use to optimize their pages. Find out if they exchange links and request a link exchange.

The key to success in search engine marketing is to do your homework BEFORE you create your website. The bottom line is that no matter how many links you have pointing back to your site, or how well you optimize your page for the search engines, you won’t rank high for keywords that are too competitive.

If you still insist on building a website on a highly competitive topic, then I would recommend you use other techniques to promote your site. Article writing, forum posting, press releases, pay per click ads, and offline classifieds.

The bottom line is you won’t succeed in any business you aren’t passionate about. Choose a topic you like that has a market and then build a content rich search engine friendly market. Get your name out there and keep branding yourself. You will succeed.

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How to make Direct Response work one step at a time

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Aug 202023
 

You may publish this article in your ezine, newsletter on
your web site as long as the byline is included and the
article is included in it’s entirety. I also ask that you
activate any html links found in the article and in the
byline. Please send a courtesy link or email where you
publish to: support@multiplestreammktg.com


How to make Direct Response work one step at a time
Copyright ? 2006


One efficient method is to use of the multi-step process in
direct response marketing. For example, single-step
marketing could be defined as sending out a flyer in the
neighborhood, telling people about a neighbor’s home that
has just been sold by you or as running a one-time ad in a
local paper advertising an investment offering you have or
as running an ad in the paper that says “Call me before you
redecorate, ” and so forth. In other words, anything where
you do a single step in the hope that you will get
responses.

Now, true – you may run the same ad more than one time in
your paper over a period of a few months, and you may send
out farming flyers or postcards to people over a period of
time. But that is not what I’m talking about here, because
each of those particular efforts is really a single-step
process. You send out the piece, and prospects are supposed
to call.

Now, while this seems easy and logical, it also has been
proven over time to just not work. The real secret to
direct response marketing is to use little, bite-size
chunks for people so that they are responding to what is
easy and non-threatening, allowing them to take little
steps, one at a time.

For example, let’s say you run an ad that says, “Do You
Worry That Your Filthy Air Ducts Could Be Making Your
Family Sick?” “If so, call. 1-800-000-0000, 24 hours, for a
FREE recorded message to get a copy of an amazing report.
It reveals the secrets of 99.9% pure indoor air your
allergist will never tell you! Call NOW to get this eye
opening FREE report!”

When you run that ad in the paper, what is the purpose of
that ad? Is the purpose of that ad to sell a product? Is
the purpose of that ad to secure an appointment for a
presentation? No – the purpose of that ad is one thing only
– to get people to call your 800# and listen to the
recorded message!

In fact, we should take it back a step farther. The purpose
of the headline on the ad is to get somebody’s attention
and cause them to stop going through their publication.

The purpose of the headline is not to sell or solve
anything. The headline, then, has a single purpose. The
headline’s function is to get people to read the copy of
your ad. The copy is, then, the next step, keeping people
interested enough to follow through and call the 800#.

Now when prospects call the 800# and listen to the message,
what’s the purpose there? Is the purpose of the message to
make a sale or get a client? No – again, the purpose of the
message is only to get people to leave their names and
addresses.

Once prospects leave their names and addresses, and you get
their phone number through the Caller ID, what is the
purpose of the follow-up that you would do on the phone and
the report? Is it to sell? Is it to get prospects to hire
you? No – the purpose of the report going out is to get
people familiar with you and your company, and to get them
familiar with what you have to offer, and to answer the
questions they have.

Once they’ve gotten the report, you move into the
multi-step sequence and follow-up. See, the real secret of
direct response marketing is, after you’ve gotten
somebody’s interest, you must try not to make them do any
more than they are comfortable with doing at any particular
step. To make all the steps combined work up to the sale of
products and services.

But each individual step is small, and simple, and doesn’t
ask people to do more than ease them into the next step.
The purpose of each individual step is to do only what it
is supposed to do. The purpose of the recorded message is
not to make a sale; again, it is to get a prospect to leave
his or her name and address.

The only purpose of the recorded message is to get
prospects to leave a name and address. You’re not trying to
sell them or convince them of anything. I see people
running seminars, for example, and their recorded message
talks about how great they are and how big they are and
how smart they are, etc….all these things that are of no
interest to the prospects whatsoever.

They are asking the prospects to do way too much. In fact,
for seminars, I recommend only doing an ad that offers a
FREE report. The FREE report then offers the seminar to
make the steps more non-threatening and easier for people
to digest.

You see, the bottom line is that people are afraid and
confused. The old single-step marketing the old “shove it
in their face” approach, does not work. For the present
and the future, to get people interested and wanting to do
business with you, you have to take it slow and easy! You
can not expect your marketing to do things that it is not
capable of doing.

If you think you need single-step marketing to create sales
instantly, just forget it. Please don’t forget this lesson
about the multi-step approach, and please don’t forget this
concept of asking each step to do only what it is supposed
to do.

You should not try to incorporate multiple steps into a
single step. You don’t want to mix up your product
presentation stuff into your copy in the ads. If you follow
this process you will see your leads go up and you will see
your business go up. But even more important, if you follow
this process, the pressure will be off. There will be no
more feeling like you have to close, or that you have to
make a certain step do multiple things. It doesn’t work
anyway, so why put yourself under all that pressure?

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