Debt Consolidation: Getting a Grip on Having Too Much with Too Little

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The problem with credit cards is not the actual existence of them. They are okay and can be used sporadically to great use. The problem is with how they are typically used. Credit cards earn a bad reputation for being financial pitfalls, but the pitfalls only happen when borrowers slip up in the method of how they borrow.

The problem also happens when there is too much to go around. To heal from deep credit card debt, borrowers need to understand that they have too much with too little. In other words, they have too high of a borrowing limit on their cards with too little money coming in.

The Credit Card Dilemma

Debt consolidation can put borrowers back on the right path by limiting their borrowing range. Some people may use the excuse of building their credit to borrow big and wide with multiple cards. It is more sensible for credit to have one or two cards that are healthy than five or more that are all used. There is also the element of restricting oneself for the sake of removing stress triggers.

The Debt Consolidation Rule of Thumb

Borrowers can begin to consolidate debt without having to file paperwork, trade debt to another source, or do any of those things which could be too cumbersome for their own good. The rule of thumb is to find the card with the lowest balance. Place the majority of attention on paying that card to zero. Once that card is gone, move extra finances to the next lowest until all the effort is placed on the largest card.

The cards can stay active. Having open credit is fine aside from some marginal usage and annual fees. It is the standard of consolidation. Having a few strong cards is valuable and useful. The problem with credit is in the borrower, as credit cards are short term loans that are often abused as licenses to spend more than what one is making. Borrowers going here in this direction can learn to organize their debt and consolidate it down to one or two distinctive sources of credit.

Home Products & Services

Getting Down To Basics with Software

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Reasons Why You Should Have a Cleaning Inspection Software For Your Business.

It is a huge responsibility when you try to manage and run a small to medium commercial cleaning company. It is not easy to put your eye on the day to day activities of your business that may incorporate documentation and quality control of your business. when you arrive at this situation, then the need of having a cleaning business management software arise It is important to note that when you have this software in place, then the ability to do work will drastically increase.

Stated below are some of the importance of using a cleaning inspection software in your business. First a cleaning inspection software typically add a lot of value to your already existing business, by saving both money and time with no error processes and quick, effective services. The cleaning software will always add more value to your money more than you could expect. Secondly they are cost-effective. The use of this software will help you cut down your expenses hence saving your money. The cleaning inspection software will drastically reduce the need of paperwork for your business thus saving your money

One of the best characteristics of this software is that it offers real-time update, this will be much beneficial to your business since it will be easier to coordinate jobs and monitor them with regard of their time and location It helps you track the real time on the status of the job when it starts and when it comes into a completion. Due to this it will enhance productivity hence creating a good relationship with the customers.

The cleaning inspection software are tech savvy. Digital is involved in the reduction of manual labor and enhancing accuracy that is required in the day to day running of a business. To look more organized, more presentable and an extending hand for contractors you should take into consideration on installing a cleaning inspection software for your business.

Another benefit of the cleaning inspection software is that it is easy to use. It is understandable that entirely some people can fail to be tech savvy, but this software is user-friendly and hence easy to use. In addition the use of this software reduces the need of papers. You can quickly update the intended data using your phone, table or a laptop hence reducing the use of manual work and manpower.

The cleaning audit software is used in the storing customer’s data and feedback therefor creating a good relationship with the customers.

This software always provides the safety of data and information. Only the authorized persons can access the information hence the integrity of data is very high.

Getting Down To Basics with Software

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What Do You Know About Services

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Importance of Email Marketing

Email marketing is very cheap to use as marketing media. Using marketing channels is relatively expensive as compared to email marketing. The cost of marketing will be reduced as the advertising cost will be eliminated. You will not incur expenses such as printing and postage. While using email marketing you will not incur advertising cost as email marketing is very cheap to use.

While you are using email marketing, you will target people interested in your brand. The rate of conversion is very high when you are using email marketing. The target group will be people who are interested in your brand. This is very important because you will not incur so much but you will reach people who matter to your brand.

It is so easy to use email marketing. A huge team is not required to create an email. Using email marketing is very easy. You can measure your outcome using email marketing which is very easy. You will be able to know where you are going wrong with your marketing. You will be able to reach more people while you are creating a better brand. You will be able to track your emails as email marketing has software that tracks your email.

It is very easy to share email marketing. Brilliant deals will be emailed and forwarded when using email marketing. You will not struggle to share marketing deals. The only thing is clicking the send button. Social media is the most trending thing in the market and since email is a form of social media, it is a very good tool for marketing. It is very easy to reach out to people and organizations without so much problems. With a better offer you can be able to quote a better deal for your client since you have a professional form of communication.

A world-wide thing is what email marketing has become. Email marketing is being used by most people and businesses. You will be able to reach more people when you are using email marketing because it is a very professional way of marketing. Email marketing has become a social tool that millions of people are able to access. Without spending alot in marketing you will be able to reach to so many people, this is the advantage of email marketing.

When using email marketing you will receive immediate emails. This is clients who you have emailed your products. It is very important to get feedback on your emails which is very important. Emails do create a sense of urgency that most of the people respond to. Email marketing also has a very high return on investment. Cutting on your expenditure will make you get better returns on investment this is because email marketing has no charges for marketing.

5 Lessons Learned: Businesses

What Has Changed Recently With Options?

Health Care & Medical

5 Takeaways That I Learned About Services

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A Lovely Profession – Be a Male Companion

The male companion profession is getting a lot of attention these days. The story about male companions and the number of people getting into it is because they do not have to have sexual activities with their clientele. You have to know that you can also have that kind of activity if you want it but most of the men are actually looking for a full time job as a male companion but there are also part time positions.

But it will be far from the likes of prostitution, it will be a lot harder to be a male companion. In some countries, to become a male companion will take a lot of requirements and to have proper manners as well as knowledge about the society. To dazzle your high class clients, you should get to know more about politics, art and literature. With this kind of knowledge, you can feel confident and talk to clients effortlessly on elite gatherings.

The idea of being a male companion does not always involve the thought of doing sexual intercourse with your clients. To become a good male companion, you do not need only the body but you also have to deal who having a charismatic personality. You need not only good looks and a gorgeous physique, you also need exquisite education and knowledge about proper manners. You also have knowledge about the thinking of the upper class as well as the ability of giving an irresistible companionship. This will give all sorts of entertainment for all types of girls. The first time is always the hardest part of a new job. You will have to go through a lot but after mastering the art of entertaining women, you will see the true benefits. After everything you have been through, the money will be a huge factor of you staying as a male companion plus with different benefits given by your clients.

Single men will have the most fun with being a male companion. This gives you the chance to mingle with hot new ladies and enjoy the party. Every night, you get to meet ladies of different sizes and ethnical groups. Being a male companion does not imply that you are only present to give company to the woman who wants your services. You also get a taste of her services if she wants. You get paid plus bonus for getting companionship as well. You no longer have to sit down in an office every day. Becoming an effective male companion will give you a lot of benefits, benefits that will allow you to get that car you always wanted. You will enjoy the benefits of becoming a male companion these days.

6 Lessons Learned: Professionals

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E-Commerce Times

Winning Tactics for Marketing in the Micro-Moment

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Google believes that all the important consumer buying decisions happen in a brief flash of time. Understanding and responding to customer needs in those all-important, tiny moments is key to successful marketing, the company says. Specifically, they are the exact moments when people turn to a device because they want one or more of four things: to know, do, go or buy.

Google has built a new marketing model around "micro-moments." Many other companies are following suit and watching the
Think With Google newsletter and website very closely.

"You have to make that conversion happen right on the spot once customers have looked at your website or mobile app," said Bret Bonnet, president of
Quality Logo Products.

If you guessed that real-time data and analytics play a big role in finding and identifying these moments, you are right.

"If you're looking to attract customer attention during micro-moments, the most important thing is that you make your information easy to access and digest," said Harrison Doan, director of analytics at
Saatva Mattress.

"These quick check-ups can easily make or break a sale, so it's imperative that you optimize your site's speed," he told the E-Commerce Times. "If a micro-moment passes before a customer can even load up the information they need, you could lose the sale entirely."

Companies must have a smart strategy to satiate all of these moments of need to win the cash prize in increased sales.

"The biggest question for us in terms of these instances, Quality Logo's Bonnet told the E-Commerce Times, is this: How do we harness those micro-moments to help our business?"

That is the question everyone is asking. In an effort to help you find the right answers for your company, here are tips from the experts on each of the four micro-moments defined by Google.

1. I Want to Know

This is the micro-moment when someone wants to learn something. They have a question and they're turning to a device to find the answer. The outcome to this activity is more complex for the etailer or retailer than one might expect.

"With the ability to research products online, customers often know more than the sales associate about the product they are interested in. This is why the 'store associate of the future' is needed," said Vicki Cantrell, retail transformation officer at

"These are associates who are equipped with tools that can connect the shopper to the full catalog of products throughout the retail enterprise, even if that product is not available in-store at that time," she told the E-Commerce Times.

"By opening up an 'endless aisle' to the customer, brands can ensure that every opportunity for every sale is converted, and that the customer leaves the store satisfied," Cantrell said.

As to satisfying the potential customer's desire to know, you need a strategy for that as well, so that nothing falls short, confuses, or aggravates the customer in that all important moment.

"We assign 'how-to,' 'what,' 'why,' etc., general questions to the research 'want-to-know' phase, and address them with long-form educational content, video and visuals, and promote them on social media and share with online communities," said Natasha Kvitka, Digital marketing strategist at
Gift Baskets Overseas.

"On this stage, the client is not ready to buy yet, but exposing useful content from a brand starts to create a prospect's affiliation toward it," she told the E-Commerce Times.

2. I Want to Do

This is the micro-moment when a person decides to do something immediately or in the future. The "what" can be anything, such as go to a restaurant, take a vacation, use a product, or something else entirely.

"In the 'want-to-do' phase, users seek more technical information about products, services, and solutions. Keywords will include 'reviews,' 'best,' 'worst,' 'in location,' etc.," Kvitka said.

"For this phase, we can provide the details they seek with content like white papers, along with reviews and testimonials from existing clients, to prove a brand's credibility and expertise, and also target such keywords with paid search pay-per-click campaigns," she added.

Content may be king, but it has to be useful content.

"We write a ton of how-to content, from how to size your ring to which direction to shave your face!" said Jonathan Poston e-commerce marketing lead for
Wedding Bands For Both and 99 Cent Razor.

3. I Want to Go

This is the micro-moment when a consumer wants to explore events and places while traveling, or near a soon-to-be-reached destination, or simply look for something different to do on home turf. The consumer may know a general category, such as museums or shopping, or possibly be looking for ideas based solely on what is close.

"The want-to-go micro-moments reflect people's intentions to find a local business where they can do an activity, contract a service, or buy a product. If your business has a local presence, then mobile local ads, Google Business and Yelp listings are the most effective approach," advised Jimmy Rodriguez, chief operating officer at

"If your business is strictly e-commerce, there is still a good opportunity by identifying the most popular destinations related to your industry and targeting these as keywords to promote products that consumers would usually need at those places," he told the E-Commerce Times.

4. I Want to Buy

This is the most coveted micro-moment, the very second the consumer makes the decision to buy something.

"The customer could be at a retail store and decide to read reviews about the product or compare the price against online stores," said Rodriguez.

"Assuming your store has a great value proposition, the goal is to present it to the buyer. To achieve this, run shopping ads, campaigns like Google Shopping or Bing Shopping campaigns, list your products on eBay, Amazon, Walmart and other marketplaces," he suggested.

"And most important, make sure your website is optimized for mobile, offering a fast-loading site or
AMP product pages and digital wallets for quick checkout," Rodriguez advised. "This can help you win the sale even against local retailers."

In other words, discoverability is a strategic priority for the 'I Want to Buy' micro-moment.

"When consumers are in this mindset, they might have the strongest purchase intent, but that intent doesn't necessarily mean they know exactly what they want, or have a specific product in mind," said Amir Shub, general manager, Americas at

"Discoverability, and treating digital ads as an opportunity for consumers to browse and discover multiple products, much like they do in brick-and-mortar stores, is a huge opportunity for brands," he told the E-Commerce Times.

The most successful companies have a strategy for each micro-moment, but they also look at the moments together as steps in a process.

"My favorite strategy to catch potential customers in a middle of different micro-moments," offered Gift Baskets' Kvitka, "is tying SEO, content, social media and paid search/social efforts to the natural behavior flow of a user from research (want-to-know) through decision (want-to-buy)."

Pam Baker has been an ECT News Network reporter since 2007. Her main areas of focus are technology, business and finance. She has written hundreds of articles for leading publications including InformationWeek, Institutional Investor magazine, and TechTarget. She has authored several analytical studies on technology, as well as eight books, the latest of which is Data Divination: Big Data Strategies. She also wrote and produced an award-winning documentary on paper-making. She is a member of the National Press Club, Society of Professional Journalists and the Internet Press Guild. Email Pam.

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