Adh Lending Instant Cash No Faxing And No Credit Check

February 7, 2018

Internet Services

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5 Useful Decision-Making Steps to Buying Your Next Business Program Sold at an Event

January 10, 2018

Small Business

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How to Avoid Making Impulsive Purchases from Success-Promising Gurus

I recently attended a 3-day business conference in Vancouver. There were about 500 people in attendance, all business owners and entrepreneurs who where there to network, learn and be inspired.

All in all, it was a great event that resulted in my meeting new people and gaining valuable insights that I brought home with me to infuse into my business.

The conference boasted nine high-profile speakers including thought leaders like Jack Canfield, Dr. John Gray and James Malinchak. Their talks were entertaining, insightful, informative and motivating.

They certainly learned the craft of being an influential presence on the stage well.

But make no mistake, each of these speakers were there with the sole purpose of promoting their wares and influencing the audience to purchase their key strategies, programs and courses that promised business success.

And they succeeded.

The volume of people that ran to the back of the room to grab their limited-time, extraordinary low-cost offering before it was sold out was mind boggling.

As a member of that audience, I was fascinated by what I was witnessing. Perhaps it was my state of mind or the confidence I already felt in my capabilities of achieving further business success, but I was not at all tempted to be a part of the crowd to run to the back of the room and grab a purchase.

I looked around and saw men and women who were involved in a variety of different businesses and industries. Many of whom where desperate to get that SECRET FORMULA that would transform their struggles into riches.

And the speakers on the stage knew this and played right into their hands.

Throughout the 3 days, the audience was presented with lots of solutions, advanced systems and formulas on how to achieve success in their business. But the problem is, not all proposed solutions were ideal for everyone.

But what is a business owner and entrepreneur to do?

They are attending such events to help them with their business so are naturally attracted to the offers made up on the stage.

So to help avoid make irrational and emotionally-based decisions when faced with the pressure of live event and even free webinar offers, here’s 5 steps on what to think about first before jumping in with the crowd and grabbing your purchase:

1. Think things through first. Ask yourself if this opportunity is truly going to get you the return on your investment if you make the purchase. What are you willing to commit to in order to get the most out of that investment?

The key here is to understanding success is not just going to happen by signing up, but to actually do the work. Are you realistically willing to do the work? Are you going to be 100% committed to this or will you get home, set it aside, and promise to get to it when you get a chance?

None of these programs will get you the results these presenters are talking about if you’re not committed enough to follow through on every single step provided.

2. Be objectively critical. When these speakers are on the stage, they are sharing the best success stories possible – the cream of the crop. Often this reflects only a minor percentage of those who have taken the program.

Analyze. Be objective. And don’t make emotionally-based decisions that compel you run to the back of the room and purchase. This is exactly what they are counting on.

3. Decide if your business can truly benefit from what you will learn. Just because they are telling you this on stage doesn’t mean it’s a perfect fit for you, your business model and your goals.

As an example, if you have the gift of service and support, then more than likely will not do well learning to be a speaker on stage, despite that presenter saying “anyone can do this using my system and processes”.

If you have the gift of, say, music, then being a published author is probably not something you should pursue, despite being provided with a “fool-proof, iron-clad method that will get you on the Amazon best seller list”.

Ask yourself if what this presenter is offering exactly what you need to learn in order to reach your business goals or is there something better suited for you available elsewhere? Do you really need to learn all of this yourself or is hiring someone who is an expert in that area a better decision that will help reach your goals quicker without having to become an expert in that field first?

4. Recognize the emotional manipulation that’s happening. We see this all the time. Whether you’re attending conferences or online webinars, there’s always a “limited time offer” that makes it irresistible to pass up.

Don’t let these “One-time-only offers” lead you into thinking this is the only chance you’ll ever get to take advantage of what’s being offered. It simply isn’t true. It’s a sales tactic that preys on people who make emotional decisions and don’t want to be left out or miss out on an incredible opportunity.

These programs will all still be offered after the hype ends. Even if that means paying $50 more, so be it. Give yourself time to objectively work through the pros and cons and decide whether it’s worth your investment or not.

Don’t let your emotions be triggered by the slick sales speech or written sales copy on a page.

5. Do your research. This may not necessarily be the case for headliner speakers we see on the stage, but sadly, there are a lot of very smooth-talking “gurus” out there who are nothing but smoke and mirrors. They offer a lot of hype but little substance.

Do your pocketbook a favour; before investing in any kind of program or product, research the person selling it first. Do a Google search and see if any bad reviews come up. Ask people in your social media groups if they’ve had any experience with that person and what were the results.

Your goal is to make an informed decision, not an emotional one based on the promises of the sales copy. And if you do encounter negative reviews – listen to your gut. So many times wrong decisions are still made because, as human beings, we’re highly influenced by emotions and we can easily justify our actions based on those promises despite finding evidence to the contrary.

After reading this, you might think I’m against purchasing programs and courses all together but that’s not the case at all. I’m not saying not to invest in business growth strategies, but instead to make informed, objective decisions on which investments to make in the first place.

The sad fact is that marketing can be a very manipulative process that is meant to create fear- and lack-based, emotional responses. The people we see on stage, as well as those that do highly visible free webinars, are masters at pulling these emotional triggers.

Simply be aware of that manipulation and follow the guide I outlined above to help you decide whether or not your business can truly benefit from that investment you’re being asked to make.

4 Useful Tips To Manage Your Small Business Finances

January 10, 2018

Small Business

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A small business can fail for a variety of reasons, but money related issues are one of the main concerns. Even with a high-quality service or product, you will find it difficult to achieve success without a healthy cash flow to cover business expenses. Here are a few tips to help manage the finances:

Clear targets

A simple strategy is to set the clear financial goals for the future. This should relate to both the short-term and long-term. It can be difficult to know if a small business is reaching its targets and being successful if the financial goals aren’t determined at an early point of getting setup. In the process of setting the targets, it is useful to set a worst case and best case scenario. This will give a complete picture of how successful a business is and gives more time to take appropriate action if the desired income is not achieved.

Accountancy software

The ability to maintain the finances is made that much easier with the right accountancy software in place. This type of software has a wide range of features and can help with tracking your financial picture, running reports on key metrics, and staying in touch with day-to-day expenses. The more advanced software can help to prepare tax forms or similar financial records. Plus, the accountancy software can significantly speed up the ability to manage the accounts, which means more time is available to work on other areas of the business.

Issuing invoices

A small business is certain to benefit from a system that prepares and delivers invoices as soon as a service or product is delivered. Staying on top of issuing the invoices means payments are regularly received for the work done without any extended delays. It can help to use software to speed up the process and automatically issue the invoices. Also, it is essential to chase up on any late payments to make sure a regular cash flow is maintained.

Control spending

It helps to be ruthless with spending to avoid letting the finances get out of control. It is quite easy to spend more than intended on expensive equipment or taking on too many staff being you are really ready. The best course of action is to carefully manage the growth of the business and make sure it is reaching its targets before spending high sums on purchases or extra staff.

5 Tips For Remote Tech Support for a Small Business

January 10, 2018

Small Business

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You may be the CEO of a new business with a lot of requests from clients or you may be an IT professional at a small firm where new infrastructure is required. No matter what position you are on right now, you need advanced technology solutions. However, you may want to keep in mind that installing and maintaining new systems can pose a challenge. So, you have to be ready to deal with this challenge. One way is to hire a dedicated employee or outsource the tasks to a good team of professionals. Given below are a few tips that can be used to organize remote tech support.

Identifying the results

First of all, what you need to do is identify your desired results. It’s important to keep in mind that each small business has its own requirements as far as tech support is concerned. So, it’s a good idea to decide on what you want to achieve. Moreover, you may want to find out about the technical issues that you may encounter. For instance, your requirements may be different if your area gets regular power outages.

Your next step is to make a list of your main IT tasks and the desired results that you want to achieve. This will help you get a better idea of your needs and choose the right type of technical support.

Choosing the provider

It’s not a good idea to take this decision without thinking a lot. You should take your time to do the research and look for the right company. The provider should have good reputation and a support plan that won’t break the bank.

Considering in-house tech support

A dedicated IT staff can help a lot provided you take into account all the important factors, such as the company size, tech challenges, and your internal and external needs related to your customers.

Considering hybrid solutions is also a great idea where you can bring a professional to handle critical issues. For other projects, you can use a remote IT support team. For instance, you can use this team to take care of emergency issues.

Investing in good software

Your business may have more than one location. Your commitments may be time-sensitive and your deliverables may be complex. Your customers or clients may be diverse with needs that keep on changing.

To meet these needs, you need to buy a reliable remote app in order to offer support to each of your client. The same app can be used by your staff to get access to important data as needed.

Consulting IT pros

If your business experiences small issues on a route basis, you can get advice from the pros whose job is to fix those issues on a daily basis. For instance, you can head to tech support forums where many pros offer advice for free of charge to those who need it. You may be amazed to know that even complicated issues can be solved with simple tricks.

3 Keys to Achieving Entrepreneurial Success

January 10, 2018

Entrepreneurialism

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It is a wonderful time for you to become an entrepreneur. If you have a dream to go from employee to entrepreneur then it can happen for you. If you feel like you are stuck in a job that is not fulfilling then you don’t have to settle for that. Job dissatisfaction can lead to you feeling empty off of the job.

Wouldn’t you love to wake up every day pumped up and excited to get your day started, instead of dreading getting out of the bed and counting the number of times you have hit the snooze button? Wouldn’t you love to make the next phase of your life more meaningful than the first phase? And wouldn’t you love to get on the path to being who you were meant to be, and doing what you love to do? If you answered “yes” then all of those things can happen for you as an entrepreneur.

There are 3 essential keys that can help you achieve entrepreneurial success.

1. Know what you are going to do to make money:

If you are going to be a successful entrepreneur it is important to know how you are going to generate income. Exactly what is your vision for entrepreneurship? Being an entrepreneur is not like having a hobby. You much be able to transform your idea to income.

2. Don’t be so quick to fire your boss:

I know you are probably so excited to transition from employee to entrepreneur that you are ready to turn in your “two weeks” notice and never look back. But is that really the best choice to make? There are many benefits to keeping your job. It is a wise idea to keep your job so that you can have money coming in to pay your bills. If you don’t have money coming in to pay your bills that is going to be very stressful, and it will be challenging for you to unleash creative entrepreneurial ideas with a stressed out mind.

It is also a wise idea to keep your job because you can use money from your job to fund your entrepreneurial vision. You can set aside a portion of your paycheck to buy things you need to launch and grow your business. It can be more beneficial for you to wait to leave your job after your business has grown and you are financially secure.

3. Don’t give up:

Being an entrepreneur is not easy and success probably won’t happen overnight. So you must be driven and have determination. Honestly, there may even be some times when you want to give up but you can’t. Have a plan for business success and keep taking action. Back your action with faith and expect amazing things to happen.

Five Tips for Young Entrepreneurs


Starting a business is not for the faint of heart. When the economy is soft, and jobs are limited, entrepreneurship is often the best way for a young adult to gain practical experience in their field of choice. To be sure, it can be scary, but so can sitting around waiting for a call for an interview for that perfect position.

With that in mind, here are five tips for planning your first entrepreneurial venture.

1. Find your obsession. “Find your obsession” is different from “follow your passion.” Your passion is something you love doing. Your obsession is something you cannot live without doing. And there’s a difference. A passion is sometimes borne from a hobby, for example, photography. You may be passionate about photography, but when the pressure is on to make money with photography that passion can wane in the drudgery of the daily work. Conversely, if you are obsessive about photography, rarely will any part of the work seem like drudgery. Passion will burn out; obsession rarely does. Obsession is what you need when starting a business.

2. Decide on your operational end-game. Once you find your obsession, ask yourself this: Do you want to have a “practice” or a “business?” A “practice” is a business that is dependent on your direct involvement, whereas a “business” can become independent of your involvement and still be successful.

A “business” in this context is one where you can rely on the collective work of others you employ to produce income, or survive as an ongoing concern if you were unable to work in the business on a daily basis. It can be bought or sold regardless of your involvement.

Having a practice means it is difficult, if not impossible, to separate the work output of the business from your personal output. For example, if you have a unique skill or ability on which the income of your business rests primarily on you to do the work (e.g., an accountant, yoga instructor, consultant, or tattoo artist) you are likely to have a practice. It is unlikely this type of business could not be bought or sold without your involvement.

There’s nothing wrong with either option, but it is important to understand what kind of business operation you want five years after you start because it will shape your decisions today. If you know you are going to be happy making a living as a tattoo artist chasing your obsession, then your business decisions will be made with this in mind. However, if your goal is to have a tattoo shop with ten employees in five years, your approach needs to be different. Keep in mind that most small businesses start as practices and evolve. Moreover, those who just wanted to “do their thing” end up trying to manage a business and are no longer working at their obsession.

3. Start your business “on the side.” Many say “jump” into entrepreneurship without a net. Having done it that way many times, I suggest you do not unless you have no other choice. The financial pressure is too high for most people. The pressure to make rent payments, buy food, and put gas in your car will have you chasing business that isn’t worth your time or in your area of focus so that you can survive. You will lose focus of what you are trying to accomplish, and few obsessions can withstand that pressure. My advice: Start your business on the side if you can. Get or maintain a job to have some income flowing. You will feel less pressure and be able to stay focused on our business goals. Then strive for your “choice number” with your business income.

4. Determine your “choice number.” Your choice number is that number which allows you the opportunity to choose between going full-time with your business or continuing to work for someone else. It is easy to calculate: Add up all of your current monthly expenses (all of them, Netflix, Hulu, gas, car payments, rent, food, beer, or concert tickets), then add 25% more to that number. So, let’s say your monthly expenses add up to $1,500. Add 25% more-$375.00-for emergencies, and you are up to $1,875.00. I would suggest rounding up for a little extra cushion to $2,000. So, $2,000 would be your “choice number.” Once your business is generating $2,000 per month, you have enough money coming in to cover your monthly costs and the choice as to whether to keep your day job or go full-time into your business with some financial security is now yours. Bear in mind the choice number can fluctuate some, so remember to revise accordingly.

5. Take advantage of reputable free resources. There are many, many free resources to help new entrepreneurs. My favorite starting point is SCORE. There you can find local resources, webinars, on-demand courses, as well as other resources to help you get started. The U.S. Small Business Administrational also offers many free resources and tips. Sometimes your local community college will offer free or low-cost courses for new entrepreneurs.

Although these tips do not cover everything a new entrepreneur might need to know, they are a good starting point for planning your first step into your own business.

How to Make Money Making Homemade Yogurt

December 31, 2017

Entrepreneurialism

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The demand for yoghurt within Kenya has been steadily rising since 2009. Despite this the market still stands under supplied. This is one area if well invested in, can make money plus profits monthly. The best thing about yoghurt is that it can easily be made from home.

There are many ways of making yoghurt at home. If you want to make money from homemade yoghurt you need to consider the different options to coming up with the right product. Starting at home doesn’t need much capital contrary to the belief, with as low as Kshs 15,000 you can start with the first production. You will need to invest in good kitchen ware like high quality sufurias and air tight containers to be used for storing your yoghurt. For packaging you can start with the disposable plastic cups sold in supermarkets that go for Kshs 250. A fridge would play an important role in preserving the yoghurt.

There are two main ingredients used to make yoghurt. Fresh raw milk and yoghurt extract. Fresh milk used to avoid infections. A litre of milk is Kshs 40 at the farm; you need not buy lots of milk because a litre of milk can produce a litre of yoghurt that can be sold at Kshs 220. As for the extract any type of plain yoghurt can be used from the supermarkets after which the leftover yoghurt from your first batch should be used for the next production. Other things needed include an oven or any other source of heat that can be used to keep the yoghurt warm, a whisk, thermometer that can measure up to 50.

First you need to ensure your hands are clean other than your sufuria and storage containers. Pour your milk in your boiling pan and stir continuously using the whisk to prevent the milk from pouring out the pot as is usually the case when milk boils. When the milk has reached 85˚c, you can let it cool to about a temperature of 45˚c before adding the yoghurt extract, preferably three scoops. This specific temperature needs to be achieved because it allows for the activation of bacteria in the extract to work on the fresh milk. Stir the extract into your milk. You can then pour the milk into your storage containers. Yoghurt usually settles best in small containers rather than big ones. Pour the yoghurt in the air tight containers and put them in a big bowl of hot water that reaches the same height as the yoghurt in the containers. This helps to keep stable the temperatures and avoid burning.

The yoghurt should then be kept in the oven for 2-4 hours at about 49 until the culturing process has taken place and achieved the desired taste. If you don’t have an oven then a small cooler box with added warm water can be used to maintain the temperatures for culturing to take place. At this point it needs to be kept in the fridge to allow for settling as it is still too liquid. Let it settle for 4-6 hours and then it would be ready for consuming with the right thickness to it.

The next step would be to get your product out into the market in order to make money. Start by packaging them in 250 ml cups and sell them at Kshs 55. You can decide to walk with your product or advertising it to your neighbours who will in turn tell others and

steadily you will have a stream of customers. If you make 10 litres of yoghurt in a day and sell all of it at Kshs 220 per litre you will be making a profit of above Kshs 1000 in a day. In a month you’ll have profits of up to Kshs 25,000 minus the expenses to reinvest into your business. You can expand your market by delivering your product to neighbouring kindergarten schools and local shops around you.

4 Powerful Reasons to Opt for a Mobile App in eCommerce Business

December 31, 2017

Marketing

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Long gone are those days when using smart phones was a part of leading a luxurious life. Nowadays, most of the tech-savvy people owns smartphones and tends to do most of the things using it. For instance, ordering foods, booking movie tickets, doing banking jobs, checking out new places to visit – everything becomes easier using an effective mobile application. eCommerce business is no exception in this case. Here is a list of 4 persuasive reasons to opt for such apps in the eCommerce business industry.

#1 Improved Brand Loyalty

Installing an app does not mean offering the users a better shopping experience only. It makes sure to build a strong bond with the brand as well. When a customer is installing an application, it means he or she has that trust on the brand and he or she is installing it so that they can continue to shop from that particular brand in future as well. The improved brand loyalty is clearly a potential sign of business growth.

#2 Secured and Easy Payment Options

Online shopping means the customers have to pay either by debit card or by credit card for the things they buy online. Now, such card details obviously involve very sensitive customer information. Hence, until and unless customers are sure that sharing such details with your brand would not do any harm, they won’t buy from you. When you devise a potent mobile app for your eCommerce business, it comes up with more secure and easier payment options than the website. Now, when the customers would find the payment options more reliable, they would buy from your brand resulting in business growth for you.

#3 Online Shopping is Easier

Today, everyone is so busy with their lives that people look for time-efficient ways to buy necessary things. Using an effective mobile application, shopping becomes remarkably easier and faster. The customers just have to scroll through the mobile screen, choose the products they want, add them to their respective shopping carts and checkout by paying the total payable amount. Only a few clicks are enough to get what they want to buy and they can shop anytime they want. Thus, doing shopping using various eCommerce mobile apps is becoming extremely popular.

#4 Better Customer Relationship

This is an undeniable fact that an effective mobile eCommerce app is capable of maintaining better customer relationship. The more you can interact with your customers, the more they would be able to state their issues on your services or products and thus, you can improve those shortcomings. It would definitely help you to enhance quality of your services. Moreover, if the customers have any kind of queries, with the help of the effective interaction system available in the mobile app, they can state it and according to that, you can reciprocate to it. Thus, you can make your customers happy and satisfied and that is indication of business prosperity.

According to a recently made survey, the rate of online shopping using mobile apps is increasing following an exponential graph. Hence, this is clearly understandable that this is the new market trend. Hence, to cope up with the trend and to sustain successfully in this competing business market, an eCommerce business needs a dynamic and potent mobile application.

Let Your Business Benefit From Clever Marketing Methods

December 31, 2017

Marketing

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There are few businesses in the world today that do not rely on some form of marketing. It is also true that few people do not own and work on computers. Even young children are exposed to the world of computers and the benefits of how the global village operates.

Therefore it is a clever idea to use promotional USB drives for potential clients to remember you and your business by. The typical USB drive is used instead of the older floppy discs and CD’s for purposes of storing information. Because virtually everybody uses a computer, whether it is a PC or the desk top variety, few people these days make use of older, traditional filing systems.

People store information on the USB, because it is portable, easy to use on any computer or device with the appropriate USB port. These drives store so much more information than the older devices such as floppy discs, for example, were capable of. Therefore, next time you want to distribute items for free, consider promotional USB drives because almost everybody has good use for them.

They are also extremely versatile in terms of the data you want to store and you can rewrite most of them very easily. Therefore, to promote your business, think of this as a gift to those that you want to remember you and your business or organisation in future. Because they are so small and light it is easy to remove them from computers and use them wherever you want. They are also quite durable if you look after them and will therefore last for a long time.

When you want to distribute promotional USB drives you may find that they are popular among a wide variety of people. Some will use them for storing business related data, others for music and games – this is true especially for younger people and children. It is so easy to keep them – they can even be attached to a key-holder if you want yours nearby all the time.

Because so many people have use for them, the marketer or company that wants to hand out something useful may consider the USB. Not only are they not too expensive, they are useful and will certainly help the recipient to remember you, your name, organisation or firm. And that is what you want.

You want to use the promotional USB drive to leave a lasting impression. Make sure you have your logo, or, at the very least, your contact details and name of your company’s website engraved on the USB.

Get a company with experience, someone that gets involved in designing and manufacturing of promotional items on a regular basis, to advise you, to assist you. This company may point you in the right direction and may even be able to do this for you at a very reasonable rate.

To distribute them does not have to be a problem either. You will obviously hand these promotional USB drives to people that may become potential clients or customers for your business or organisation. One way of doing this is to hand these items personally, face to face, to those people whose custom you are looking for.

Other ways of getting them out to those whose attention you want, is to think of places where lots of people gather. There are sports meets at clubs, your children’s school – with the headmaster’s permission – and community gatherings. What counts is not how expensive the item is; you want to make an impression – even with something quite affordable such as a promotional USB drive.

Find out from the company whose help you employ in terms of getting these drives ready for you what the cheapest – yet effective – drives are and see what deals they offer you in terms of manufacturing, adding logo’s and contact details.

Some may even help with distribution. Look around for the company that will best address your needs. Most of them advertise their services on the internet these days. Ensure you compete with others: distribute promotional items that you and your business, and your business’ name, will benefit from.

5 Business Marketing Trends You Need for 2018

December 31, 2017

Marketing

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We’re at that time of year again where we’re in a swirl of activities around the holidays, but every business leader understands that this is the time he or she should be looking to ensure next year’s success. Marketing is an essential aspect of any group or organization, and in the digital era, it’s critical that you provide your team is focusing on the following as we soon speed into 2018.

Storytelling

Customers do not want to be sold. No one likes being sold. The best marketers know that the way to “sell” is to connect first emotionally and consumers will then work to rationalize their decision to buy. The public is used to being told a story since the beginning of human existence, and storytelling in the digital age is no different in wanting to elicit an emotional connection. However, in today’s world, businesses are relying on data to inform them as to what resonates with consumers and what is falling flat. Your company or organization can create short video ads on platforms like Facebook that tell a story, deliver value and peak interest.

Original Media Series

Communicating with consumers now is about entertainment. People are pulled in thousands of directions, and everyone is vying for their attention. So, one of the best things you can do is to develop a series and keep them coming back from one part of the story to the next. If you’re looking to create an original and entertaining media series, consider various platforms since your audience will be found in different media. You can think of podcasts and social media channels, and you should also think about creating content that is delivered in multiple ways, such as text, audio, and video. Once you decide the strategies, you will be using, create custom content, and get creative. You can even develop a fictional series with characters that help convey your work in a fun and engaging way. One of the reasons to do a fictional original media series is that it can remain relevant even for an extended period after publication.

Personalized Website Experiences

The power of data, AI and algorithms mean that consumers are used to a more personalized and interactive experience. When consumers enter into your website or digital storefront, it’s all about the experience. Your site has to reflect who you are, but it also has to ensure that they have a fantastic experience. It is now essential for your business to greet your customers and audience in a unique and in as much of a personal way as possible. You can achieve this by having live contact and information forms, members-only sections to your site or even ways for customers to experience your products or services.

Third Party Entry Points

Businesses have started to offer value-add and their products on platforms that are not associated with their companies. Partnerships between companies that have a natural alignment are serving as platforms to leverage and amplify marketing opportunities. For instance, when a consumer purchases a product or service, they may receive a call to action about a partner. Or a partner will provide a bundle of information of another company free on their site or a discount for another company’s products or services. Both businesses have an opportunity in this way to broaden their reach and expand their audience base.

One-Click Payment Options

Customers are seeking to have the most fluid experience possible with websites they visit. Therefore, businesses, particularly with more expensive products and services, are creating experiences that invite consumers to join a membership program. For instance, input all of their information–including credit cards–and then have the opportunity to purchase what they want and when they want it with a single click of the button. One click financing integration is not only beneficial for the customer, but also for the business it will lower the incidences of fraud and charge-backs.