Small Business Marketing Solution – Let Brand Guide Your Staff

Your employees should know your Brand–what you stand for. We’ve written on this before, but it is just a vital concept for small business success. As we discussed in an earlier article, following process and procedures is important, staff training is a must, but there comes a time when you must trust you employees “in the field” to do what is right and make a decision on their own that is in accord with what the company brand stands for.It’s at this critical point that their training in proper procedures is most helpful, but sometimes they are faced with questions outside of strict training or procedural guidelines. Here they need to make the right decision–for the customer and the company. It’s at these junctures that a solid working knowledge of what the company stands for can help them make the best choice.And understanding the company brand starts with your Achievers.Your junior staff will follow the example they see the Achievers set. The Achievers must intimately understand what your company’s Brand represents–they need to also recognize that this knowledge can help them make a decision.It sounds basic, but your customers’ impression of what your Brand is–what your company stands for–will be far more influenced by what your staff does during a tough situation than through all your advertising. This is especially true for a small business on a limited marketing budget.When customers and staff agree on what your Brand means, then you can trust that decisions your staff makes will truly be in the best interest of the company. Will those staff decisions be exactly what you would do? No, but they’ll be close enough.Occasionally they will even be better.Remember: Brand (who you are) + Package (your Face to the Customer) + People (customers and employees) = Marketing Success.© 2006 Marketing Hawks

Private Banking Services Vs Retail Banking

Private banking is a much more personalized banking service given to individuals who invest substantial sums, typically over U$S1M. The most noticeable difference between retail and private banking services are that private clients receive customer service on a 1-1 basis via a relationship manager or a private banker. Wealthy individuals with private accounts can expect to meet their bank contact in person, and have direct phone access to a relationship manager. Usually the private banking arm of a bank is separate from the retail banking arm and the service is completely distinct.A private bank is one that is not incorporated. Private banks are favoured by conservative investors because the directors are personally liable, and more likely to be cautious in managing client funds. Financial institutions like these are sometimes family owned and only cater to the very rich. One of the reasons why wealthy people choose them is their confidentiality – a pledge to maintain client records secret. For some it is a case of not wanting to be targeted by criminals, lawsuits or corrupt governments. Others use this secrecy to shield income from authorities like the IRS and evade tax.


Many of the world’s private banks are found in Switzerland because of the strict bank secrecy laws and sophistication of Swiss financial services. Small banks in countries like Switzerland are also more likely to keep their client records secret because they limit their operations to within the country’s bank secrecy laws.Not only private banks offer private banking services – in fact some of the biggest providers of private banking and wealth management services like UBS, Credit Suisse and the Barclays are not privately owned. Private clients of these huge banks can take advantage of their in-house trading and research departments, and sometimes choose to have almost all their assets managed by the bank. This way they expect much higher returns than those given by a simple savings account or certificate of deposit.Types of Private Banking ServicesUsually only very affluent clients demand wealth management – where private bankers manage an investment portfolio for a family or an individual. The fee for this service varies from bank to bank and is charged yearly as a percentage of the total amount invested. The return of a portfolio will also depend on the standard of the private banking service. While some will provide excellent returns, others will continue to charge high fees while investing client funds in the bank’s own investment funds, regardless of whether or not this is beneficial to the client.


A popular alternative to wealth management is Self-Directed private banking, where the client manages his own portfolio, at times calling on advice from the bank. The advantages of this type of account are lower fees and greater personal control.Inheritance and tax planning are extra private banking services provided either directly or by referral for an extra fee.

Mobile Computing

Mobile computing refers to the use of any kind of computer in a moving environment. The motion may be of the device itself, as in laptops, palmtops, wearable computers, and mobile phones; or it may refer to the dynamics of the computing process, as in digital cameras, podcasters and MP3 players. Mobile computing devices generally use wireless technologies such as LAN, Wi-Fi, GPRS and the more recently introduced MAN.Mobile computing can be broadly classified into two categories – portable computing and mobility computing. Portable computing actually refers to wired communication. Portable devices themselves are movable, but in order to access them one needs to connect them to a network port. That means, portable computing devices can be carried to wherever there is a network port available. Mobility computing is also called simply mobile computing nowadays. This is true wireless communication. Not only are the devices movable, but they can also be accessed from almost anywhere. Today, portable computing is almost on the verge of extinction; mobile computing has made its foray into almost every aspect of human life.


The first usage of mobile computing devices was perhaps in vehicles. Speedometers were among the first devices to get computerized. Almost every modern vehicle has several mobile computing devices under its dashboard. Cell phones are another rampant proliferation of mobile computing today. Every single cell phone is a computer in its own right. With the advent of wireless technologies, it is also possible to access the Internet through cell phones. Blue tooth has brought cell phone users closer than ever before and has facilitated data transfer within a stipulated area. Another brilliant advancement in the field of wireless technologies is the Metropolitan Area Network, or MAN, which will allow vehicles and cell phones to remain in communication with each other forming a network probably much vaster than the internet.Today, mobile computing is a boon to people on the move. It can be used for checking mails while in transit and even carry out transactions and businesses. Services like SMS (Short Messaging Service) and MMS (Multimedia Messaging Service) are targeted towards the younger generation to remain in contact with their colleagues and friends. During sports events, mobile networks keep users informed of the goings-on.


However, critics are concerned with the intrusion of privacy that mobile computing creates. Several members of the younger generation are turning into ‘gizmo freaks’ and becoming almost addicted to their mobile computing devices like watches and cell phones. Some of these devices which work on infrared technologies can also pose potential health risks.Yet, mobile computing has become an indispensable extension of technology today. It is definitely here to stay.

Retire a Young Military Millionaire

Being young and in the military has its advantages. One of the biggest rewards is a powerful force that will almost ensure that you can become a young military millionaire. There are simple steps you can take when you’re young that will help you harness the power of this force; making becoming a military millionaire a breeze.Attention young military personnel. You can turn that military paycheck into a million just by following a simple, consistent, investment plan. Just by automatically investing on a regular basis you could be on your way to an early military retirement. For example:-A $174 invested monthly starting at 18 years old could make you a young military millionaire by age 53.-A $701 invested monthly starting at 18 years old could make you a young military millionaire by age 40.Knowing how to handle your military money gives you advantages that the most people miss out on. You can afford an early military retirement just by following a simple investment strategy. Starting an investment plan young may be enough to ensure you become a young military millionaire.Because you have the power of compounding interest on your side it’s easy to become a young military millionaire when you start young. Compounding interest is defined as the interest earned from the initial money you personally invested from your military money plus the interest earned from the amount your investments have already returned. To clarify, the money that you already made from your investments starts to earn you money. That means that every year you are making money off money your investments have already paid you.


By investing your military paycheck at a young age you are able to fully harness the power of compounding interest. This is due to the fact that your investments are earning you a return on the money already paid to you from the investment. The younger you start the faster and larger your investment account may grow. That’s why investing while you’re young and earning a steady military paycheck gives you a huge advantage.1) Save Money. The first step on the road to becoming a young military millionaire is to set up a simple savings plan. Pay yourself first by setting money aside into an investment before you start spending your military money. The habit of paying yourself first will benefit you throughout your life and will help you retire young.2) Invest Young. You may not of been taught how to invest in high school but don’t let that hold you back. There are simple investments available to the beginner investors that will get allow you to invest your military money young.The stock market offers some investment vehicles that are perfect for the new military investor. There are lower-risk investments that offer the potential for long-term gains that may help you to put your military money to work.One type of investment, known as broad based market index investments, may offer you a simple way to get your military money working for you. ‘Broad market index investments’ are simply investments in the overall market like the NASDQ 100 and S&P 500. To illustrate, one S&P 500 index traded fund will allow you to own a portion of all 500 stocks in that index. The S&P 500 index is one way for the new military investor to profit from the stock market without having to have a lot of experience.3) Consistent Investments. There is a basic military investment technique called ‘dollar cost averaging’. A dollar cost averaging plan is simply buying a fixed dollar amount of your broad market index investment at the same time each month. Your bank and brokerage firm can be set-up so it automatically invests the amount you want at the same time each month. Once this structure is set up you can sit back and just review your monthly statements. With a consistent military investment plan you could reap huge profits over a long-term.The basic investment method discussed will get your military money working for you. If you’re looking to become a military millionaire young there are other ways you can increase your returns. The investment vehicles discussed below take more effort however you will be able to reach your military millionaire status sooner.5. Real estate. Real estate investing can be credited with making the majority of young millionaires. It gives you the power of leverage so you are making money of money the bank loaned you. When done right you could expect to double your investment each year! Just by purchasing real estate while you’re young could easily make you a young military millionaire.


The military offers many benefits that will allow you to become a homeowner. VA loans allow you to borrow 100% of the purchase price which means you won’t need money for a down payment in most cases. Combine that with BAH (Basic Allowance for Housing) for civilian housing and you can have your mortgage payments paid for.This is a huge benefit because you purchase a $100,000 home your property could be valued at over $570,000 in 30 years. The best part is using BAH you could of not even made a payment with your own money.6. Entrepreneurship. Being in the military you can start a part-time business that earns you an extra few hundred a month or one that surpasses your military paycheck. Either way it can help you to become a young military millionaire or just added another income so you can invest more. There are also tax benefits available to business owners that will keep more of your military paycheck money in your pocket.Becoming an entrepreneur can help you become a young military millionaire and give you the luxury of being able to retire young.The sooner you start investing the sooner you can become a young military millionaire. Start now and the take steps to become a young military millionaire today!