Though you have a property like home for taking a secured loan but there is no need for risking home if you require only a smaller loan. There are especially designed small secured personal loans for meeting requirements of urgent smaller money. Through small secured personal loans you can meet any of expenses like paying for wedding, medical or education bills.There are many lenders who have entered in the business of making money by lending small amount of loan to the needy people. A variety of lenders and small secured personal loans have only made small loan availing easier. These days borrower can search for the small secured personal loans providers and they find them in plenty. Small secured personal loans are here also as per the capacity in terms of providing security to the lender. Small secured personal loans are also known as payday loans, cash advance loans, military loans though they may not be secured loans in the term is strictly applied on them.When we talk of small secured personal loans then we are referring to the loans that are provided on taking ordinary properties having little value as security by the lenders. This way the borrower is saved from putting high value property like home at risk for a small amount of loan. Thus small secured personal loans can be in your pocket just offering your jewelry, musical or electronic instruments, small appliances, vehicles etc as security of the loan. But unlike any other secured loans, small secured personal loans providers may charge higher interest. The main reason for higher interest rate is that the loan is usually provided or availed for very short repayment duration of say 30 days. So like all short term loans small secured personal loans also attract higher interest rate. The loan amount depends on monthly income of the borrower.Small secured personal loans are also known by the other names like payday loans, military loans and cash advance loans. These are loans provided for personal purposes. Though the borrower can offer any property as security but usually a small secured personal loan like payday loan or military loan requires only an advanced check from the borrower as security of the loan. The post dated cheque contains borrowed amount and lender’s high fee. At the due repayment date the lenders gets back the loaned amount on submitting the checque in the borrower’s account.While opting for small secured personal loans you should remember that despite the security the loan comes at higher interest rate and also there is lender’s high fee involved. So you should apply for small loan amount only when you need the most. Bad credit is usually not seen seriously by the lenders in offering a smaller loan.Compare as many small secured personal loans providers as you can on internet. You will find some of the lenders offering comparatively lower interest rate at better terms. See if the loan package suits your requirements. Apply to the lender then and there on his online loan application for fast approval. Surely small secured personal loans can easily meet your smaller requirement without any hurdle.
Small Secured Personal Loans – Avail Smaller Money Effortlessly
Using the Marketing Mix to Maximize Customer Returns
The traditional marketing mix used by businesses comprised of 4 key elements thought to be vital to the success of any business. However, with the passage of time and the variations in the kind of products and services offered, there are 7 key elements today in the marketing mix that require constant evaluation to ensure the best possible results. These 7 P’s are:
Businesses use a unique combination of all these elements in an attempt to achieve the highest customer satisfaction levels.In this article, we will discuss all the 7 elements in detail and will explain how businesses can make constant variations in their product mix to maximize their goals.Product
What distinguishes your product or service from other products? While there are standard quality and service components to establish performance, the product or service needs to be somehow unique, some way better than its competitor. This “unique selling proposition” is mission-critical to the business’s success. Customer satisfaction with your product or service is of utmost importance. Though it’s important to offer a high quality or a more economical price, better availability or quicker delivery time, it is also essential to make sure that your product or service has something that is unique and that sets it apart from the competitors in the market.Price
Consider if the target market sees the price of your product or service as affordable. If the target market is not willing or able to buy, there is no chance to build your business successfully. If the price of your products is higher than competition, it is imperative to convince the market the value of the price premium.Placement
In order to capture the market, make your products and services accessible and easy to buy. If the customer can’t find you, they can’t buy from you. If you offer online sales, carefully consider the process customers must go through to buy online. A difficult purchasing process is a barrier to sales. Know where your target audience lives and shops in order to put your product in front where they can see and learn about it.Promotion
Promoting your product through the right channels to ensure highest exposure is essential to the marketing process. A promotion on broadcast TV or radio is expensive compared to other channels; they will reach people who may have no interest or not be qualified to buy your products. The costly reach of broadcast media can waste valuable marketing dollars with little return. If the channel is online, use the internet – and search engine optimization – to your advantage. Find out the keyword search terms that will bring the most amount of traffic. Leverage the content and position of the websites that feature your product to its best advantage. If promotion is direct mail, give careful consideration to a targeted mailing list. Direct mail can be more focused and waste less resources, resulting in a more exacting approach to your target market.Physical Evidence
Think about all aspects of your organization that your prospective customer encounters. From the cleanliness of the selling floor and lavatories in a brick and mortar location to the ease of website navigation, the visit should be a pleasant and hassle-free experience for the customer. Polite, courteous and well-trained staff should be a priority to convey an image of quality from the product to the people who help sell and re-sell the product. The primary and secondary packaging can elevate a simple useful product and make it more desirable. Everything that the customer comes in contact with comes under the physical evidence.Process
A lead generation process happens from the time your marketing is seen or heard by the customer until they take advantage of your call to action. The sales process starts from that call to action until the product or service is successfully delivered and paid for. Is the process well-tested and reliable? Is the experience the same from the customer’s point of view each time they interact with your company? How efficient is the sales process? If the process can be delivered from lead to sales in the optimum amount of time, conserving resources and expense, it can be replicated over and over to build more sales revenue.People
From the people who answer the phone, greet the customer, handle problems, process payments, follow up on the sale, and manage the team to the president of the company, all actions contribute to an image of quality and service. It’s common to hear companies say we have great customer service in today’s world, but how they deliver the great service is what holds great significance to the customer.How Companies Use the Marketing Mix
The marketing mix experiences a lot of variations throughout a product’s lifecycle stage. For example, if we look at the category of health supplements, a lot of the brands started off as delivering nutritional supplements to men and women in the market. However, in the development stage of the product’s lifecycle, brands were focusing more on gaining exposure through lower introductory prices and different promotional packages. As the brands crossed the Introductory stage and moved on to growth stage, businesses started catering to more specialized categories such as Teens, Men, Women, and the above 50 and began developing more products for each category. These line extensions are typical of a business in the growth stage. When a company is in the mature phase of their lifecycle, it is common to re-launch their products with innovation to capture the surge of business experience in the development stage. In the category of health supplements, many brands identified the opportunity of attracting customers looking for exercise and athletic supplements for enhance performance. This new market segment opened the doors of a completely new marketing niche for businesses that focused on diversifying the market and on increasing the market for this new category.Conclusion
Experienced marketing consultants such as 1st Straw Marketing ask a lot of questions to dive deep into the different aspects of business. Getting to know the perception of the market and the internal workings of the company selling products and services is essential to developing a strategic and tactical plan that can be successful. Depending on each stage of the product’s lifecycle and the influence of the market, business leaders and professional marketers are constantly evaluating their marketing mix and making changes to serve their target market better. Planning, review, evaluation and research goes into determining every element of the marketing mix and is vital to the overall success of a business.
Film Television and Animation Tax Credit Financing – Canadian Solutions
Financing solutions and models continue to be sought after in the Canadian film television and animation tax credit financing area. Additionally other working capital solutions for Canadian productions in this area are also available and generally less known as to their existence and their ability to assist productions of Canadian content.Early in 2010, as is by now well known by most players in the industry, the Canadian government at both the federal and provincial level ‘super charged ‘ tax credit grants and incentives. Rates and credits increased for specified expenditures by as much as 5-10 per cent in most areas of these tax credits. Additionally a fund was even creating for Intellectual property, with a projected funding of ten million dollars.Productions with Canadian content are aggressively being produced and savvy principals in Canada are both taking advantage of these credits, and also financing them on an interim basis, or on completion.A combination of private investing, government non repayable tax credits and even some participation by Canadian banks create a ‘tour de force ‘of financing assistance for Canadian content. Although a significant previous factor in Canadian growth was the cheaper Canadian dollar even the dollar at par now has not hindered Canadian productions in all three key areas, film, television, and digital animation. (And let’s not forgot those lesser known sisters – book publishing and music!)Productions in Canada are of course financing in the same manner as almost anywhere else – equity by owners, tax credits, loans, and distribution deals. The most recent tax credit incentives in effect replace film tax shelters of previous days. In our opinion this method is more transparent, available, and takes a lot of the negativity associated with ‘tax shelters ‘.So how do principals access tax credits and how can these tax credits be financed. Did you also know that financing is available on an interim basis also, so for properly documented productions you can obtain interim financing assistance that in many cases becomes a key up front component of your financing and will allow you to complete your project more advantageously from a financial perspective?What are the basics of this type of financing – let’s review them. To say that film, TV and animation financing is a boutique industry in Canada is of course an understatement. For that reason we strongly recommend that you work with and speak to an experienced and knowledgeable advisor in this area. To access financing you must ensure your project or projects are eligible to be certified for any one or more of the six major tax credits that are available, for example, in Ontario. (We will use Ontario as our example, but each province has similar regimes to assist yourselves.) You should ensure you have created a single special purpose entity, essentially the legal shell under which your production or project will be qualified.Carefully choose which credits you are eligible for, and ensure you apply for proper certification as soon as possible. Improper or incomplete certification only (as in any business financing process) slows down and stalls your tax credit and the ability to finance it.Maintain proper disbursement and payroll records – we strongly recommend to clients that they use a specialized accountant or firm in this area. If you can demonstrate your background and experience, have proper certification in process, and are committed to document the project through completion by proper filing of tax returns and financials your tax credit can be financed as immediately as when it is accepted and provided to your project. If you seek interim financing for the same project, and are committed to maintaining and demonstrating the quality in the key fundamental areas noted above you are eligible for accrual financing, or cash flow and working capital assistance immediately even prior to the certification of your project(S).In summary, ‘Hollywood North’ appears to be booming again. The economy has picked up, consumers want entertainment in all key sectors, and even the Canadian dollar has not deterred investment in production. Tax credits have increased, and even better yet, by working with the proper experienced partner your credits can be financing when they are certified, or even earlier if you can document a strong go forward action plan on disbursements, payroll, and your experience in this great area of the Canadian economy. And by the way, speaking to an expert in area doesn’t hurt – extra tips and assistance may be worth thousands or hundreds of thousands of dollars in cash flow and working capital for your projects!