Ameriprise Financial Services – The Best Personal Financial Adviser

August 21, 2016

In today’s growing consumer market, where one has plethora of options to choose from for almost all goods and services, many companies have managed to maintain their goodwill and win the rat race with a simple rule – consumer is the king!Some companies have carved their niche with prompt and accurate customer services and support system. A leading name among financial advisory services today is – Ameriprise Financial Services or the AFS.Ameriprise Financial Services initiated as a small company from a local office, and have managed to expand a fortune. They are best known for their online financial advisory services and personal consultation.Their strategy for the same is to use a handy advisor locator. The best part of using this locator is that you do not need to give any personal details. On the company’s web portal simply key in your zip code. The locator would automatically supply a list of Ameriprise Financial Services Advisors with in your vicinity. Be rest assured that you won’t be contacted unless & until you yourself opt to call an agent.

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Besides the regular functions of the web portals, Ameriprise Financial Services’ website offers enormous wealth of information on all aspects regarding financial planning. An individual’s financial planning primarily depends on their budget and the financial requirements. However, at the end financial planning remains one’s personal decision. Yet, all of us need to have a clear understanding of our goals from the same.The personal advisors at Ameriprise Financial Services understand these basics and hence their website details the very core information like:i. The fundamentals of investment
ii. Tips for paperwork
iii. Information that we must put forward before the advisor to make the best of his services. This way he or she would give you the best possible recommendations for your personalized financial planning needs.How the Ameriprise Financial Services’ Advisor works?Ameriprise Financial Services’ personal financial planner initially offers a free consultation session. Here, he or she would help you identify your financial goals. He or she would present before you the realistic & concrete picture of your current scenario and your actual needs. That is your financial stand today and what it requires to meet what you want.In the following sessions, the advisors would help you synchronize the goals, that is prioritizing the needs & wants. He or she would then prepare the information you need. Next, He or she would present this information in a way that it clarifies all your doubts. Hence the advisor would help you understand the best possible ways to achieve your financial goals.Ameriprise Financial Services advisors are always there for you in order to answer your questions. Yet, they are just advisors and they would leave the final decisions for the client or customer.Finally a written plan would be developed. As per your requisites and goals it would also be modified until completion.That is not all. You advisor would also help you implement the plan with regular meetings. Ensuring that the customer stays on the track to achieve their financial objectives and goals, they would guide you through the required changes as well.

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What are the other services provided by Ameriprise Financial Services?1. InsuranceAmeriprise Financial Services also deals with insurance. They provide:i. Life Insurance
ii. Health Insurance
iii. Disability Insurance
iv. Long Term Care Insurance
v. Home Insurance
vi. Auto Insurance2. Banking & Lending AgencyAmeriprise Financial Services is also an efficient banking & lending agency so they help you through money management & financial planning in the practical terms.3. Investment Products
Ameriprise Financial Services’ investment products include the following:
i. IRAs
ii. Annuities
iii. Stocks
iv. Bonds
v. Mutual FundsThis implies that the clients could easily diversify the portfolios & try varied types of investments during working with the advisors

Rep V. Direct: How to Best Organize a Sales Team

September 9, 2016

Sales executives are constantly searching for the ideal structure of the sales team. Should the team be composed only of direct sales people? Should the team be composed only of manufacturers’ representatives? Experience shows that a hybrid sales organization, composed of a blend of direct and indirect sales employees (manufacturers’ representatives), combines optimal performance, cost effectiveness and flexibility.If one observes several sales organizations over an extended period, she’s able to see that relatively often, sales executives make sweeping changes to those organizations, from all direct to all rep, and from all rep to all direct. Invariably, the observer is able to note that sales management ultimately reverses many of those sweeping changes. Sometimes sales executives benefit from observing changes made by others. Unfortunately, too many sales executives develop the understanding of the benefits of a hybrid organization by making one or more poor decisions and then repairing the organization after problems surface. The most durable of sales organizations are those that use a hybrid technique, employing a mix of both direct sales staff and manufacturers’ representatives. Sales teams composed entirely of all direct people or entirely of manufacturers’ representatives are generally not ideal.Why “Direct Only” Teams Are Not IdealMany CEOs and executive teams believe that the best way to build relationships with customers is with a sales team composed only of direct employees. In this example, sales staff cannot be distracted with unrelated business and other product lines. No one can blame the inexperienced CEO and executive team for thinking this way. A salesperson is able to devote 100 percent of this time to the company. A direct sales team suffers from far fewer distractions than a rep sales team. However, experienced CEOs and executive teams understand that they must thoroughly look at a direct sales team before converting to it. Direct sales teams are quite expensive to train and support. The company must support offices in all major markets. Those offices bring along with them assorted costs: rent, administrative support, office equipment, utilities, etc. A competent manager who can work well and represent the company without direct supervision must manage the office. The company must train and occasionally upgrade each office manager.When sales are growing, the office manager must hire and train new sales staff. The company must train the manager in hiring and training techniques. The company must also train the office manager in firing techniques, in hopes of avoiding legal problems.As sales grow, the office must expand to meet growing demands upon the sales office. Cost of sales rises as sales grow. Sales, however, do not grow forever. Ultimately, sales flatten and roll over. Sales usually roll over earlier and more abruptly than hiring plans. Sales may dip at anytime during the year, but hiring plans are usually set at the beginning of each calendar or fiscal year. As a result, hiring is sometimes still underway when industry and office sales are falling. Such dynamics create an environment whereby cost of sales, (as measured by the total cost of running the sales office, divided by the total revenue that the office generates, expressed as a share of sales) rises rapidly.

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When a sales office has healthy sales, the company can manage its cost of sales and support them at a predetermined level. If sales grow for a long period, the company can manage the office to cut cost of sales. The sales office can benefit from economies of scale. A sales office supporting 20 salesmen doesn’t need more copiers, fax machines and conference rooms than an office supporting only 10 salesmen. Unfortunately, sales ultimately roll over. It is difficult to cut costs immediately. The office manager must usually see several months or quarters of declining sales before realizing that he must cut costs, including headcount. During this time, cost of sales rises, sometimes well above tolerated levels. The sales office manager and the company cannot cut costs quickly. Which is a chief reason that totally direct sales teams are undesirable.Why “Rep Only” Teams Don’t Yield Peak PerformanceRep only sales organizations afford a number of benefits to the sales executive. The sales teams are already in place. Hiring and firing of salesmen is not the direct responsibility of the sales executive or his regional sales managers. Manufacturers’ representatives generally hire and fire as sales move up and down. The cost of running a rep only sales organization rise and fall directly with the level of sales. A significant benefit of the rep only sales organization is that cost drops immediately when sales drop. It’s possible to accurately forecast cost of sales as a share of total revenue. Cost can never get out of control by hiring too many salesmen, buying too many computers, or leasing too large an office; not infrequent problems for direct sales organizations.Manufacturers’ representatives are not always the panacea for companies looking to hire or expand a sales organization. Large customers often demand direct sales staff; not indirect staff from a manufacturers’ representative. Large customers view their largest suppliers as strategic partners, and like the ability to communicate directly with those suppliers. Communications is sometimes slower and less clear when a customer must communicate with a manufacturers’ representative, who in turn communicates with the supplier. Customers may set the style with which they deal with suppliers as part of their purchasing strategy. For example, they may decide to deal with no more than two or three suppliers on any commodity and to deal with those suppliers directly. This disallows conducting business through manufacturers’ representatives. A supplier must recognize and honor such a strategy, or be ready to suffer undesirable consequences. A supplier must never turn a tin ear to a request from a customer demanding direct sales representation.Large suppliers view their largest customers as strategic partners, and like the ability to communicate directly with those customers. They view the delay when communicating through a manufacturers’ representative as an unnecessary burden. When large suppliers invest management time with strategic customers, they do not want to dilute that investment by sharing management time with manufacturers’ representatives. The incapacity to offer direct coverage to strategic customers is the primary reason that a sales team composed only of manufacturers’ representatives is unattractive.First and Foremost: Do No HarmRecognizing that something is wrong, many sales executives make bold, sweeping structural changes to their sales teams. Fire all reps and hire a direct sales team. Fire all direct salesmen and hire a network of manufacturers’ representatives. Either approach will certainly repair some problems. More than likely, however, extreme changes are very prone to creating new problems of equal or greater scale.Why do so many companies replace one poor-performing sales organization with another that destined to yield performance that is no better than the original? The two most common reasons are inexperience and weakness of the sales executive compared to the rest of the management team. Perhaps the inexperienced sales executive has risen through a single company with an all-direct or all-rep sales force. Now, managing the global sales organization, he opts for sweeping change from all-direct to all-rep, or from all-rep to all-direct sales without benefit of understanding thoroughly the benefits and problems with either a pure-rep or pure-direct organization. Alternatively, the inexperienced sales executive may have developed his management skill at a company employing an all-direct sales organization. He may not feel comfortable managing if hired into an all-rep company. No one can fault a sales manager if he sees massive problems and concludes that he must make sweeping change to an all-direct sales organization. Only inexperience allows him to make a major, highly disruptive change.Another reason companies make dramatic changes in the structure of a sales organization is that the sales executive is weak. If cost-of-sales, expressed as a share revenue is too high, the CEO, the rest of the executive team, or both can apply pressure on the sales executive to affect change and cut cost. If the sales executive lacks the strength to defend his team or the structure of the sales organization, he merely becomes the messenger, not the manager.

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The message to the sales executive feeling pressure to make sweeping change in a sales organization is to adhere to the Hippocratic Oath: First, do no harm. Any sweeping change imposed upon the structure of a sales team will initially be disruptive. Make sure to justify the disruption and be very sure that the change, once implemented, is most likely irreversible. Sweeping change brings disruption, higher cost of sales and lower productivity. All of this might be worthwhile. However, if a sales manager imposes sweeping change and then reverses course within a year or two, disruption from the reversal is much greater and more costly. A reversal of an organization change brings with it disruption, higher cost of sales and lower productivity just like the original change. However, an organizational reversal can erode the sales team’s enthusiasm. A company can handle disruption, higher cost of sales and lower productivity if repaired relatively quickly. Repair of an unmotivated sales team takes much more time.”Hybrid Sales Teams” Work BestA supplier always looks to optimize its sales organization. If a company continuously focuses on cost of the sales organization, use of manufacturers’ representatives is mandatory. The benefits of manufacturers’ representatives are too great to ignore. However, manufacturers’ representatives may not satisfy the requirements for some customers. Strategic customers demand direct interface, excluding the use of reps. The best alternative then, is to merge some of the best features of both a rep and a direct sales organization. Implement a direct sales team to cover the sales to all strategic customers, while simultaneously bringing about a sales team of manufacturers’ representatives to cover all other customers.A hybrid sales team benefits from the cost effectiveness of manufacturers’ representatives. The same team can deal directly with strategic customers. The sales executive may take advantage of the non-disruptive flexibility when adding or deleting customers on strategic customer list. A secondary benefit of a hybrid sales organization is bench strength. Well-seasoned, top-performing direct sales personnel represent a talent pool from which from which to draw regional sales managers.ConclusionExperience shows that a hybrid sales organization, composed of a blend of direct and manufacturers’ representatives combines optimal performance, cost effectiveness and flexibility. The most durable sales organization is one that uses a hybrid technique. Sales teams composed entirely of all direct staff or entirely of manufacturers’ representatives too often underperform.

Five Similarities Between Religion and Spirituality

September 1, 2016

When we were children we were asked, Which came first, the chicken or the egg? If we based our answer on the creation story in the Bible, we would answer, Chicken. But if we based our answer on our experience in raising chickens, our answer would be, Egg.The same can be said of the answer to the question, Which came first, Religion or Spirituality?In terms of our experience with religious books and discussions, religion came first. It is only now that more and more people are talking about spirituality and writing about it. In terms of the origin of the reality behind those words or in terms of the object of our understanding, spirituality came first. The spirit was there before there was any religion. God was there before there was anybody to worship him.We can even say that spirituality is an offshoot of religion. For many centuries people professed religion. Some of them fiercely opposed religions other their own. Christians for many centuries opposed paganism, Islam, Hinduism, Buddhism, and any other religion. This has happened also with paganism, Islam, and the rest with respect to the other religions. They too opposed other religions.

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But more and more people discover that mere religion cannot answer their deeper yearning for a better experience of life. So, they turned to something deeper and better than religion. They found this in spirituality.Because spirituality in a sense is an offshoot of religion, there is bound to be some similarity between them, just like the similarity between the egg and the chicken.First, both believe in a higher power of some kind. Religion believes in God the Father or Jesus, or Allah, or Brahman, or Tao. Spirituality believes also in this God or it may conceive of God as a universal or primal energy. Both believe that such being possesses power higher and greater than what we have.Secondly, both religion and spirituality desire to have a relationship with this higher power. Although the nature of the relationship is different in religion than in spirituality, the desire for this relationship is there. Religion connects with this higher power with fear and trembling. Spirituality connects with this higher power with love and affection.Thirdly, both religion and spirituality have rituals and practices which deepen one’s religiosity or spirituality. Religion usually has sacred rites or sacraments. Spirituality has meditation or yoga sessions.

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Fourthly, both have respect for the sacred, the other worldly. This is not just respect for God. This is respect for the reality that is beyond our senses and reason. When religion pushes this respect to its extreme, it becomes superstition. When spirituality pushes this respect to its extreme, it becomes religious spirituality.Fifthly, both have fear of failure. In religion this failure is punished by hell fire or repetition of existence or some other worse fate. In spirituality this failure is the inability to realize one’s true worth or value and the destiny of a life of meaninglessness. Hell, repetition of existence, non-existence, meaninglessness are forms of punishment for failure, either in religion or in spirituality.

Different Types Of Data Communication Media

August 21, 2016

The process in which data is transferred from one computer to another is known as communication media. Data communication involves transmission of digital of information to different electronic devices through wireless or cabled connections. The two commonly used computer communication media used are bounded and unbounded media.A. Bound MediaData transfer through physical connections is referred to as bounded media in that signals are sent to other external devices from one computer in a network. Computers can be interconnected to share files and devices in a network by means of cabling which facilitates faster communication of information. Bounded media is a faster data communication that provides high speed transfer of signals over long distances and is the most reliable media for message sending.Bounded media is categorized into three types of data communication which enables connection of different types of network. These cables include:

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1. Coaxial cableThis is most common bounded media that is many electronics to transfer data and it is designed with two parallel copper conductors. It has a solid central copper conductor that transmits signal and is coated with a protective cover to reduce electromagnetic interference. Coaxial cable is found in different gauges at affordable prices and is easier to work with. They are easy to install and can support up to 10Mps capacity with medium attenuation. Despite its popularity, the only serious drawback it has is that the entire network is always affected with a single cable failure.2. Twisted pair cableTwisted pair cables are found in two types and these include unshielded and shielded twisted pair cables. It is commonly used because it is lighter and inexpensive. They are made up of twisted solid copper wires which help to reduce vulnerability to EMI and cross talk effects. This type of cables is cheaper and can support up to 100mps speed capacity.3. Fiber opticUnlike other types of cables, fiber optic uses electrical signals for communication and is made up of reflective cladding that prevents loss of light in the glass core. Although it very expensive and hard to install, optic cables can support at least 2gbps and are not vulnerable to EMI interference. It has got also very fast data transmission and very low attenuation compared to other data cables.B. Unbounded mediaThis type of data communication media involves networking of multiple computers through a wireless connection. Creating a wireless connection is much easier since no physical connection is required and can connect multiple computers in a room. Unbounded media uses space or air as the transmission medium for electronic waves. Some of the unbounded media are the satellites, radio, Bluetooth and Wi-Fi among others. Installation of wireless network is much easier and faster compared to the bounded media which require an expert to do the configuration. Through wireless settings, you can also transfer huge files of data to any networked computer since the unbounded media supports very high bandwidths just like the cabled network.

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Generally, in order to transmit data over networked computers, you will have to use either bounded or unbounded types of media. Depending on the type of network you want to create, convenient type of media is required to enable consisted and proper data communication.

The Transformation Of Political Science And The Rise In Crime Rates

October 20, 2016

The current field of political sciences is dominated by a multitude of ideas that have never in its history featured so prominently in this discipline. The general belief that it has lost its focus once and for all is from time to time counteracted by different opinions. One of those is that the world has come full circle, that mankind has experimented out all possibilities in terms of ideological thinking and that the liberal democracy as we know it has come out of the process as the prize winner both politically and economically. Some define this as the end of history. It also goes by the name of ultra modernism. Globalisation fits in perfectly and all reflects the increasing complexity that we are finding our world to involve us in and which, in order to come to terms with the bigger magnitude of the whole, we are describing in essentially vague terms.The idea that history might have died a death was first launched in the 1980s by Francis Fukayama who wrote a now famous essay entitled ‘The End of History’, in The National Interest on the subject. The idea has persisted during the subsequent historic reality-altering events leading to our understanding of the world in terms of security and globalization, even though the liberal ground is under siege from left and right wing ideologies, parts of which are finding their way into the democratic liberal discourse.However inappropriate it essentially is to define the new ‘winning ideology’ — the policical science discourse is rife with arguments in favor of departing from old fashioned foundationalism and swapping this for a-systemic ideas gathered from all other disciplines– we are at this time almost as happy with any theory that offers a firm grip on reality as the third world would be with a cure for poverty. Much though the world is changing and much though this fast change is reflected in the sciences, the a-systemic ideas making up the political sciences might not necessarily reflect what’s going on in society one hundred percent adequately.Issues like crime and other ‘anti social behavior’ are significantly underexposed in areas of political scientific studies, say researchers. Our highly developed society and increased sophistication in all the disciplines that results in political sciences being a highly esteemed area for study, delivering no doubt high caliber students to society, does not necessarily guarantee a tangible decline in crime rates. We are missing out something big time. Is this the whiplash of a-systemic thinking we all intuitively fear?If you may believe studies undertaken by political scientists, in future, we won’t have a lot of room for corruption and evil wrongdoers in our society. Leaf through an average new book on political science and find hardly a line, let alone a chapter, dedicated to the evil side of human nature. What makes us all think that synchronising everything automatically leads to a better world and therefore a less violence prone society? In the same breath, you might ask, what is the new Left, the new Right, the Libertarian and the other political mainstream thinking on issues such as the Third World? For all our great knowledge and speedy technology-supported understanding of what is going on, we are still not much better at remedying the main problems the world is faced with.

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Criminology is part of the exercise of deconstructing the past, deconstructing other disciplines and constructing new ideas from a mixture of all of them which keeps social scientists busy these days. Yet it’s not enough apparently to translate into better thinking on the way safety and society can be organised.Whether a certain approach to crime really is to blame for its rise is debatable. What is certain is that modern societies have become safer and more comfortable in many areas but that crime has risen in equal proportion. “When it comes to crime, or more broadly stated ‘antisocial’ behaviour, society has actually become less safe. Crime constitutes an insecurity risk which is difficult to control. Many citizens and organizations will at some stage fall victim – usually completely unexpected -to behaviour which can harm them, physically or financially”, according to a recent research report by the Foresight Institute of the Netherlands, a semi official consultancy. It is one of the few studies in this field.The increasingly Old World definition of the nation state was primarily driven by the desire to resist this sort of danger, the researchers say. They continue that the way we deal with crime has evolved too. It is at this point that state organization is likely to really begin to crumble. A prime, if not the prime raison d’etre for governments is keeping a population relatively safe and free from crime. The more governments are perceived to be failing in providing the desired high level of societal safety, the less justification there is for governments and their imposing taxes on a country’s population.Changes in the way crime is perceived include treatment of the issue in more scientific disciplines than ever. Yet some, including Fukayama, argue that the social sciences lack a distinct central view on human nature, which stems back from the post Kant era. The only reason that I feel you can raise the human nature argument again is that over the last 30 years in the life sciences there has been a lot of empirical work that has made the concept respectable to scientists. Yet social scientists and certainly people in cultural studies have yet to get that message, says Fukayama. They are very resistant to the notion of human nature.The issue is grappled with mostly by people who try to integrate crime studies into a whole range of disciplines. “Crime has lost its exclusiveness, the approach to crime and crime prevention is no longer exclusively the responsibility of the police and the judicial authorities”, say the Foresight institution researchers. This coincided with a tangible change in society too. In the early 1980s, there was a sea change in the approach to crime and crime prevention. Inspired by understandable self-interest, individual citizens, organizations in the community and local authorities started to feel that they bore a responsibility for crime prevention. Nevertheless, the results are not particularly overwhelming and the researchers at Foresight say that for the situation by the year 2010, some areas of research are still vastly underrepresented.One real life example of high profile people sharing this concern is the situation on the Guernsey islands off the coast of the UK. You’d say this small island offers a perfect case to study the governability of a country with a limited population, to try and test the limits of a system to the full. Politicians might well be aware of this. At least, they appear to have a clear idea and are aware of the unique nature of their society and of the effects of the rules they invent. The measurability of crime renders the subject a good target for analysis, sophisticated ideas of governance and societal structures. The self consciousness leads to frequent interesting debates by politicians on this island. Recently, a senior politician attributed the perceived rise in crime and anti-social behavior the effect of “woolly liberal” thinking. He said the increased emphasis on human rights in particular is to blame for the rise in crime.The politician said that his government’s human rights act had led to offenders becoming “untouchable” by the authorities. Warning of the dangers of liberal thinking, he pointed out that there’s no common sense in Guernsey’s human rights laws which others believe ensure rights and responsibilities of citizens are balanced out rather evenly. He said the woolly thinking underlying the human rights ideas on the island led to alcoholism among the younger population for one.This is one of the issues where the argument that improved technology in the hands of police and law enforcers is going to do the trick, won’t do completely. Developments in modern technology and improved understanding of changes in social control are central to ideas about stamping out crime. The foresight researchers recommend that there should be a radical reorganisation of how financial resources are made available to this effect, if crime prevention is to bear any fruit.Research efforts need to be stepped up dramatically if modern society is to develop adequate knowledge in any form or shape. They believe that the demand for scientific knowledge by the institutions, municipalities, government departments and private sector agencies might seem to be a professionalization of the area, but that in fact it does often not mean anything, especially not in the long run.Fundamental scientific research into issues which are already playing a part at this time needs to be stepped up, the institute believes, in order to keep up with the criminal sector. They predict that by 2010, crime will have changed radically as a result of technological and economic developments and changes in social control and cohesion. There is a great need for fundamental research, for interdisciplinary knowledge and knowledge about long-term, ongoing issues such as criminal careers, say the researchers. In the next ten years there will also be a need for more theoretical research focusing on normative and empirical issues.

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The wildly diverging ideas about human beings in the social sciences is exacerbated with a dramatically lowered emphasis on any blatant negative aspects of society in postmodern political science due to the death of positivist thinking. You could argue that this is at the heart of the problem of surging crime despite increased wealth of societies.The political sciences appear most promising in their capacity for addressing the anomalies. It is the best discipline to do so, because it does not plan at neutrality. And, what’s more, the political scientist´s loyalties and engagements will not necessarily be predictable and stable over time. If it doesn’t yield immediate tangible results, it at least is a start. And it makes for less dry reading of the articles and books describing what’s perceived as the state of play in these sciences. You’d imagine that anyone coming up with a theory involving the axiom that history has ended, would be prone to fantasy.And that’s somewhat true; academic attention for total fantastic ideas as a means to understand or create is on the rise. It’s much under attack from critics who say this is a foolish activity, especially when keeping in mind the idea that when you walk the streets of your town you can be subjected to a criminal attack at any given moment. Sceptics will imply that much of the storytelling anyway misses out large parts of reality, especially the less attractive features. Which is, however, not to say that blind spots are not being reduced.But somehow, the rationale itself is changing for the criticism of the ways modern science works. The criticism for instance on the way politicians work, who seem keener to know about the cultural trends, popular culture, the media and power than in the labyrinthine workings of party and parliamentary democracy is that they are not sticking to their own field. Yet the new approaches favored in the political sciences leave more leeway for alternative ways that allow for a greater number of methods to assess reality than many predecessors ever dreamt of.In stead of a total abandonment of all serious work, modern political science presents us with a mixture of both regurgitated theories of old time philosophers and original, rather broad based ideas. And in new, often surprising, ways.Sceptical post modernists will contend that as there is no correct method for political research and researching the political, that it might be wise to adopt an anti-rules method, while the affirmatives may adopt something that can be termed ‘anything goes’. But perhaps several methodologies are best blended together to come to a robust approach to researching a problem. Much hinges too on one’s perspective on history.

Take Charge at Telecommunications Schools

October 8, 2016

Instead of taking off work to wait for the phantom cable guy, or pleading with your Internet Service Provider to change your fiber-optic cables back to copper so you can get DSL service, why not take your telecommunication experience into your own hands? Telecommunications schools can show you how.Your FieldIn a world where families and businesses are spread across the globe, telecommunication (communication at a distance) is no longer a luxury — it’s a necessity. Where would you be without your cell phone? Or your BlackBerry? Or your TiVo? All of these are facets of a telecommunication career, which encompasses voice, video, and Internet communication services.In your telecommunication career, you’ll be entering an ever-evolving industry that is continually introducing new technologies and services. Fiber-optic networks bring lightning-speed communications to residential customers. Wireless providers are increasing the capacity of their radio networks and introducing improved portable devices that transmit voice, data, e-mail, and video. And, some wireless phones now use VoIP (Voice over Internet Protocol) technology to make phone calls through local wireless Internet networks.

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Your TrainingThat’s why, if you want to succeed in this competitive industry, you’ll need postsecondary training from telecommunications schools. There, you can acquire the knowledge and skills you need in computer programming and software design; voice telephone technology (telephony); laser and fiber-optic technology; wireless technology; and data compression.The good news for graduates of telecommunications schools is that steady employment is available in almost every community. According to the U.S. Bureau of Labor Statistics (BLS), the telecommunication industry provided one million wage and salary jobs in 2004.Your CareerWhat exactly will you be doing in your telecommunication career? Fifty-five percent of all telecommunication workers are employed in administrative support occupations or installation, maintenance, and repair occupations.Here’s a telecommunication career overview: Telecommunication craftworkers install, repair, and maintain telephone equipment, cables and access lines, and telecommunications systems. Line installers and repairers connect central offices to customers’ buildings. Telecommunication equipment installers and repairers install, repair, and maintain complex communications equipment and cables. Cable installers travel to customers’ locations to set up pay television service so customers can receive programming. Telephone operators make telephone connections, assist customers with specialized services, provide telephone numbers, and may provide emergency assistance. And customer service representatives help customers understand all the services offered by telecommunication providers.

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Graduates of telecommunications schools can expect to be well-compensated for their efforts. According to the BLS, average weekly earnings of nonsupervisory workers in the telecommunication industry were $853 in 2004, significantly higher than average earnings of $529 in private industry.Quit waiting for the elusive cable guy, and boost your career competence at telecommunications schools today.

Should You Employ In House Telemarketers or Use an Outbound Telemarketing Agency?

September 16, 2016

Even for larger companies with dedicated sales teams this is a valid question: should you use your own telemarketers or turn to a specialist outbound telemarketing agency?For many companies, there are three compelling reasons to outsource your telemarketing:1) Focus2) Capabilities3) CostThis article examines these three reasons and suggests why, in many cases, it makes more sense to use the services of an external telemarketing agency for business-to-business telemarketing campaigns.1) FocusFirstly, a strong reason for using an external telemarketing company is that they will focus on the task of generating leads for your business. Many companies, when using an internal resource, will hand this over to either an admin person or expect telemarketing to be done as an extension of their role.But, let’s be honest about what really happens in most businesses: they find something else to do.Unlike an external company, which employs people to make outbound telemarketing calls day-in, day-out, your employees have other duties to perform. And, believe me, they will find anything else to do rather than telemarketing. The same goes for if you choose to hire your own people “just to cold call”. After a few months, I guarantee, they will be doing something (anything) else rather than telemarketing.

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Using a telemarketing agency means that you have a resource focused on telemarketing for your business and you ensure a continual effort to generate leads, not the reluctant, ad-hoc approach you will get form your own people.2) CapabilitiesHand-in-hand with the issue of focus is that of capabilities. By outsourcing telemarketing you will access people who are far better at telemarketing that your own people. Even if you have dedicated sales people they often won’t match a seasoned telemarketer when it comes to making outbound calls.External telemarketing agencies also bring capabilities around data acquisition, segmentation, key message and “pitch” development which your own people will lack.Think about it; a good telemarketer will pitch around 100 prospects in a week. Given that the best telemarketers have been in the game for at least 10 years, that’s over 50,000 pitches. That’s a level of telemarketing experience you will never get it from an in-house employee.3) CostFinally, another reason for many companies to consider using a telemarketing agency is cost.When comparing using your people, or even yourself as the owner of a small business, against the cost of a telemarketing company, the costs are pretty compelling.Telemarketing agencies charge, on average around £250 per day for a telemarketer. That’s attractive even when you compare it against the cost of your sales people. But when you consider the cost of them not being in front of prospects and actually closing, the cost justification stacks up in favour of outsourcing.

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When comparing an external telemarketing company against an admin person making “a few cold calls” the costs need a little more study but they still make sense. Usually, the best approach is to consider two factors: a) the cost per lead and b) the opportunity cost.When looking at the former, external telemarketing agencies, which are always more efficient, typically wins. In addition, when you think about the opportunity cost of not getting new leads into your pipeline and the resulting lost new business growth, it’s usually obvious that using a telemarketing company is the best investment.So, in summary, when thinking about whether to use your own people or external telemarketers, consider the total picture of how much focused your own people will be, how good they will be, and what is the real return on their costs.We believe that, taking all these elements into account, an outbound telemarketing agency is the most attractive route for many businesses.

How To Start A Photography Business – Knowing When You’re Really Ready And Knowing Other Differences

October 6, 2016

Here’s a question: How do you know when you’re ready to start a photography business? Answer: When you ‘know’ that you ‘know’ (the doublespeak is for emphasis) the difference between your artistic photography skills and your understanding of business. Knowing the difference makes the difference between success and failure when you start any type of business, for that matter.Tip #1Think about it, the art of taking pictures is getting easier and easier – especially with the advancement of technology. Digital technology has made photography so easy that it appears that everybody and their brothers and their sisters are photographers! Such ease makes photography a very popular attraction and very compelling to start a photo biz.But, what many budding photographers fail to realize and take seriously is that: Business is Business. Whether selling teddy bears, cell phones or photography, the business principles are the same. And they are basic and simple (not easy – simple). Successful photographers aren’t necessarily the most skilled. They understand and practice the basic and simple principles of running a photography business. They also don’t confuse the quality of their photography with the need to plan, market and operate their photography business.Don’t be confused! You must consistently produce top-notch quality products and photographic services. Constantly improving your skills is critical. So is the learning and consistent practice of business principles. If you don’t consistently practice the necessary business principles, budding photographers that do know the difference and practice the principles will get the customers and the business that should be yours. If you fail to practice the principles you will fail at your photography business attempts. Period. You will be another charter member of the ‘starving artist’ club! There’s a reason why they’re ‘starving!’

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Once you do start a picture-taking business, every day that you’re in business there’s opportunity to grow and prosper, and the chance to stagnate and fail. Your being clear on the difference between photography practices and business practices determine the success of your photography business more than your photographic skills and talents. Be sure to spend as much time developing your photography skills as you do your business (marketing, self-promotion activities, for example) skills and you will find success.Compliment vs Reality – Tip #2Most budding photographers have this experience: a good friend, family member or neighbor sees a photograph and ‘raves’ how good it looks and how ‘valuable’ it ‘should’ be! Somewhere in their raving they proclaim, “you should sell that, you’ll probably make a lot of money!” Red flag warning! What is given as a compliment of your photograph is instantly translated to your having a “diamond” that you can sell and that will change your ‘status’ in life. Here’s a test: the next time you receive such a ‘compliment,’ do this: thank them and then ask them how much are they willing to pay you for the photo? I promise you that the same ‘expert’ that just raved about your valuable artwork will pass on the ‘opportunity’ to grab up your ‘valuable’ artistic photo. In the photography business value is determined by other criteria than a compliment or two. Knowing the difference contributes to your success in business.Develop your knowledge and skill and your confidence as a photographer will dramatically increase. Likewise with business: develop and practice basic business principles and your confidence as a successful professional photographer will dramatically increase. I promise.Research Builds Confidence – Tip #3Do your research. Go online and read the available research on the business of photography. Read before you buy. Online research is just a click away. Take your time. Take advantage of free and easily available information online. If you choose to buy something offered, determine what goals you want to accomplish and ask yourself will what you’re buying help you to really meet your goals. Avoid the resources that promise and guarantee you that you can make $200 – $300 a day overnight – for obvious reasons. Also, there are no “secrets that the pros don’t want you to know!” There is information that you do not know now. But, isn’t information that is unknowable or impossible to find out – they’re just unknown to you at this time. Do your research. Besides, if they’re for sale, how “secret” can they be? Do your researchIn the business of photography, it is more profitable to specialize. Specialization (also referred to as your “photography niche”) is how your customers will find you. Another development of technology is how customers – those who can afford and are willing to spend money for photography – find the photography that they buy. They look for something specific (in photographer speak that means “photography niche”). Go online and do a search on “photography niche” and take advantage of the information available. Remember, read before you buy; there are no “secrets that the pros don’t want you to know;” and great photography does not sell itself. In the world of business, nothing does.For business purposes, go online and do a search on different business topics that you want more information about. For example, do a search for “photography marketing” or “marketing for photographers” or “amateur photography tips” or “how to sell photos online” or “how to start a photography business” etc. etc. Read before you buy.Know And Start Where You Are And Be ‘Sincere’ – Tip #4

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Start where you are with the equipment that you have. If you don’t have a photography studio don’t take on photography jobs that require a studio. Don’t be all things to all people – remember, specialize (research “photography niche” – you’ll be head and shoulders above the majority of your competition). If you feel that you have to purchase equipment to take on a job – that’s a red flag that you’re not ready, yet. In successful photography, the profit is in the “photography niche” and your understanding of that simple difference.Doing your research will prepare you for one of the biggest challenges most photographers have – pricing. The challenge of knowing exactly what to charge stops most of us in our tracks. It shouldn’t! Do your research. Search “photography pricing,” for example. The information is available and most of it is free. Remember, read before you buy.In my opinion, there really is no one criteria needed to start a profitable photo business. However, my experience has convinced me that self-confidence is the most significant asset a photographer in business can possess. You develop that self-confidence by knowing what you know and knowing what you don’t know – and being crystal clear on the difference. Confidence is gained by knowing the necessary criteria needed and knowing that you possess the knowledge and skills to consistently accomplish tasks in a satisfactory manner.Research, develop and practice both your photography knowledge and skills as well as your photography business knowledge and skills.Finally, when vaudevillian, George Burns, was asked what was the secret to his successful career, he responded – “sincerity, be sincere – even if you have to fake it!”

Viral Advertising Business Performance

October 15, 2016

Why use viral advertising strategies in your business marketing efforts.
Using shock therapy to implement an online advertising campaign for your business.
Using viral advertising in your social media marketing and Facebook Fanpages will excel your results much faster.
Don’t shove your advertising message down their throats, let it go viral naturally.
Present unique and creative advertising campaigns to increase traffic and expose new prospects.
Creating a viral epidemic of buyers is your main business goal with your advertising strategy.
Learning to leverage your advertising budget for sustainable momentum.
Establish a success formula that can be repeated in your business viral advertising over and over again.
Add the most important ingredient to your advertising campaigns and that is creativity.
Be prepared to embrace new technology, software and APPS in your marketing strategy.1. There is nothing more effective in promoting your message as a good viral advertising campaign. Viral advertising is designed to use the power of many and inspire others to promote your message for you. This is simply “word of mouth” advertising, is amazingly effective. A business owner can start a viral advertising campaign with no money invested, and let the online community spread your message like wildfire. You can now save advertising money that you were spending on newspaper ads, flyers, door hangers, and even TV commercials. Viral advertising is estimated to be 500 and even up to 1000 times more effective that a regular ad campaign.If you can learn how to express an idea with commitment and dedication that has an emotion attached to it, you will get people’s attention. It doesn’t matter if you are a madman or idiot, even bad press gets good press time. You can’t please everyone but you can get an emotional reaction out of most people, when owning a strong opinion and sharing it. Being neutral in your viral advertising will not bring you in the sales. Have something to say that will impact their life, or at least make them react a bit. Don’t worry about whether or not they love you or hate you, just be confident that your product is worth their attention either way and stay committed to gaining their trust.2. Get your business noticed by shock marketing, state something completely unexpected that will make them stop and read more. Being dramatic and doing something out of the ordinary with your product gets attention. Are you just marketing advertisements, or are you marketing an extraordinary exiting story about your product. If you Ad is interesting and highlights your product in a subtle way, you will keep people’s attention longer, and get closer to bringing them to the “I want” it stage. Viral advertising is 100% about emotions, so take them by surprise and do something totally unexpected.3. Set Up Exciting Viral Content in Parts and then sequels, where the viral advertising message continues.Ever hear of Part 1, Part 2 and Part 3 – once you create Part 1 they start looking for where do I find Part 2 as they want to know the end of the story or the end of the feature comparison prompting them to purchase your product. Make sure you keep their attention once you have it by providing a “Call To Action”. Sell them on the value of why they need your widget, gadget or useful product then introduce an offer they can’t refuse to purchase the product.

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The next step is to motivate them to share your awesome and exciting presentation with another associate. This is the meat and potatoes of viral advertising, present information that is so interesting and unique that everyone wants to tell someone else what they read, heard or saw. Set up your “Shock Wave” content so that others can download and then embed it into their own blog or email to others. Upload a short video series on all your advertising “bloopers”, or business bloopers, maybe trying to put together a piece of furniture or equipment and getting it all wrong the first time. Then provide another “Call To Action” using your Facebook Fanpage that they can “Like”, along with the other top social media sharing sites.4. It is not surprising to hear that many consumers feel jaded when it comes to online shopping. Nobody wants products shoved down their throats through mass advertising methods and using hard sell marketing. If you want to get the consumers attention in this fast paced modern world, you need to be unique and most importantly interesting. Smart consumers are quickly distracted from boring content and they will turn a blind eye and a deaf ear to your viral advertising message.A proven and trusted method of advertising and marketing that get results is viral advertising, and fortunately for the marketer new software developments can make all the difference. Your personal recommendation is still stronger than any other form of advertising on the planet period! People trust people, and with smart phones using text messaging by the second, and social media sites getting posted on every event of the day, if you have presented your product offer in a way that makes them remember you, you have one half the battle.5. By fulfilling some unique marketing strategies you remove your business from the mainstream humdrum advertising practices. It’s a known fact that many people feel frustrated with the usual conventional way many businesses sell their products. Don’t let your business fall into this pitiful trap of no return. Step to the plate and be the one who stands out in the crowd, who motivates prospects to burn blisters on their fingers, texting about your great buy of the day.Business owners are becoming much more conscious of profits and losses due to advertising decisions they have made, and it’s impact on their ROI (return of investment). So the questions comes forth “can we affect people from the inside, from their emotional self and not just from the mind”? So is viral advertising becoming not only the new trend but the must have trend to succeed online. It is our ability to influence the mass public at large that creates successful viral advertising campaigns. Ads that influence the behavior of the viewer in such a ways that they are motivated to share their exciting experience is the purest testament of what viral advertising is all about. If enough of their friends and contact embraces their excitement over what they have been exposed to the viral advertising cycle begins to circulate.6. Your ultimate goal of course would be to create an viral advertising campaign that causes a behavioral epidemic of buyers. An infectious viral result where everyone wants to be able to say “Yes I Saw That”, or “Yes I heard about that”, or “Yes I watched that”, so that they appear to be in the loop with the latest and newest hot selling protégé. Some marketers prey on the idea of owning a “Secret”, something so special that only a few get access to it. It then becomes an obsession everyone wants to know the secret and will go to any length to get access to it. If you can only offer medium media exposure of your product, then relying on these viral advertising methods becomes essential.So is your goal to place an advertisement that is seen by 10 who tell one person each, becomes 20 who tell one person becomes 40 and so on. Or do you want real viral advertising success where you place your viral advertisement and get 100 who tell 10, who tell 10 who tell 10. So who is in control here, the business marketing manager of course, the one who decides how the advertising budget is allocated. Is he reserved and old fashioned, or is he brave and uninhibited and adventurous. It is an knows fact that Viral Advertising does in fact work very effectively, and it is the business owners goal to seek out a reliable viral advertising business source.7. Once your viral advertising campaign has become viralized, it is proof that you have found a suitable target market audience for your product. Once this is identified, you can leverage your viral advertising budget maintaining a perpetual cycle and not a static ad campaign. In order to always be able to identify your most effective viral advertising campaign, it is important to use proven methodologies with specific tracking measures built right in.8. So does your business have an “Online Viral Advertising Formula”? Is your business aiming high for thousands of hits, a true testament of a successful viral advertising campaign. Marketing consultants know that the more informative your advertising the more persuasive it will be to the consumer. What really makes the consumer decide to purchase your product is based on the content provided in the advertisement more than it’s layout or and whether or not their is something worth sharing, or texting about.With the ever changing fast moving internet world coming up with a formula for viral advertising is not an easy task. A good rule of thumb is “What motivates you to share a viewed advertisement is different to what motivates you to get out your credit card and finish the purchase.9. Going back to our conversation about emotions, if you can make someone laugh or gasp or look in disbelief to what they are viewing your chances are the best that they will share that experience with their friends, associates, and followers on social media sites.The magic of every successful viral advertising campaign begins with a great unique idea. The one main ingredient in all online successful advertising campaigns is creativity in your graphics, your presentation, your keywords and your identified target market. Training business owners though to give each viral advertising campaign they embark on time to mature, time for the seed to sprout, time for the momentum to build and the rewards to pour in from all their hard work and efforts.

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10. Don’t be shy to take advantage of the ever fast changing technology world to benefit your business advertising efforts. Finding a great viral advertising business can be a real game changer for your online advertising results. Most importantly look for a viral advertising business that is free to join, and that uses state of the art software designed to drive your business into the next galaxy.Viral advertising will always win in the end simply due to the abundant measure of viewing numbers. A strong viral advertising strategy will encourage individuals to share an article, a podcast, a video or simply an online advertisement, resulting in exponential exposure by it’s massive influence.The rippling effects of one single viral advertising message can literally reach hundreds and even thousands of readers in a few short hours. You can quickly enhance your viral advertising success by offering a free give away product. This “FREE” product can be a small physical product that can be mailed out, or it can be a digital product that is delivered instantly online.It is a well known fact that “FREE” if the most powerful word a marketer can use in any viral advertising campaign. Often the business owner experiences what can be called delayed gratification when using the “FREE” power word in their viral advertising campaign. Add the common expression “OTO” or One Time Offer” that almost always follows a free give-a-way, and you have a winning combination. First you got their attention, and then you offer them something of such great value, they can’t afford to say “NO” and purchase it while it is so cheaply priced.Always keep in mind that the whole purpose of engaging in viral advertising methods is to spread an idea, and that idea while it is spreading throughout the internet, actually helps market your niche business or product and is attached to your website.Have you noticed how business owners have become obsessed with Free exposure in any arena? Too many times marketing campaigns have been thrown together much too fast and may get attention but your product or company does not.ClosingPeoples attention are so fragile, try designing your viral advertising campaign with a strong viral element built right into it. Getting your media to go viral is not the hardest part of your marketing strategy, the most challenging part is getting your media to produce tangible results that show up in your bank account.

Beauty and Botox – Face Forward Tips for 2006!

August 5, 2016

Did you know that BOTOX injections are one of the most popular procedures in cosmetic surgery today? In fact, Botox injections far out number breast augmentation and rhinoplasty (cosmetic surgery on the nose), as the most preferred aesthetic surgical procedure?As you may agree, in western culture attractiveness is closely wedded to youthfulness. The appearance of wrinkles on the face is a source of anxiety for millions of women and men.The search for a miracle drug to help us appear younger presently fuels a multi-billion dollar beauty and cosmetic industry.The related industries of weight loss and health are just as robust. There is stiff competition between beauty companies constantly trying to sell youth and beauty in a jar.If you have the money you can opt for the more invasive (and ostensibly more effective) procedures to help you look younger. This where BOTOX followed by its more permanent cousin, plastic surgery may fit the bill.A nutritious and balanced diet, accompanied by a rigorous exercise regimen can make your body look years younger. Unfortunately there’s no such workout to tighten your face.Your face starts reflecting the passage of time the soonest, and most visibly. Studies indicate wrinkles appear on our skin as early as the age of 27.

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If it is our face, which betrays our age the first, no wonder it the focus of so much anxiety. This is why we want age-defying intervention.BOTOX, as of now, appears to be the answer to some people’s prayers. Younger and firmer looks seem to be just a few small injections away.BOTOX is actually short for Botulinum Toxin Type A. It is a highly toxic substance and one of its milder side effects is food poisoning.It is actually a protein complex, which is produced by the bacteria Clostridium botulinum. What is used in cosmetic surgery is an injectible form of this toxin.This form of the toxin is purportedly sterilized and purified.Some consider BOTOX a poison. They feel this way because it is injected in small doses under the skin. It is reported to work by deadening the underlying muscle, preventing any further movement and thus smoothening out the skin.BOTOX is said to interfere between muscle and nerve interaction. Some feel small doses of this chemical effectively prevent the release of acetylcholine by the nerve cells.This neuro-chemical transfers signals to muscles, determining their contraction and relaxation. When injected into selected muscles, BOTOX stops them from contracting.Therefore, any present frown lines are ironed away. In fact, within a week they become almost invisible.In the April of the year 2002, the FDA approved the use of BOTOX injections as a treatment for the reduction of frown lines. Since then, it has come to be regarded as the fastest growing anti-aging cure in the country.Keep in mind that the FDA cautions against using Botox more than once in 3 months. Also it recommends that the lowest possible effective dose to be used in a session.There are other, more permanent, options available – if you are inclined towards cosmetic surgery. Procedures like an eyelid tuck (blepharoplasty) and a bow lift (also called a forehead lift) last about 30 to 90 minutes.They are outpatient operations, so you can leave for home the same day. Another option is the face lift (or rhytidectomy) – a slightly longer operation which can go on for 2 to 4 hours.Patients are advised to stay overnight at the clinic. Although none of these procedures can reduce wrinkles, they very distinctly tighten up a sagging face by literally cutting away any extra bits of facial skin. The recovery period can last from 7 days to a month depending upon the extent of the operation.

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However, at the end of it you may be rewarded with a much younger and firmer facial appearance.Given the risks associated with Botox facial treatments like Rejuvinol(TM) deserve a serious look. We have heard that Rejuvinol(TM) available from Amazon and www.BODeStore.com is a product that uses helps give a younger appearance by appearing to smoothing out wrinkles. It’s makers say that it contains the universally recognized Argireline® from Lipotec S.A. The active ingredient in Argireline® is acetyl hexapeptide 3 (AH3), a deep penetrating, powerful amino peptide that helps to relax the intensity and frequency of facial muscle contractions. It just may be a less expensive and invasive way to put your best face forward.Kamau Austin is a health and fitness enthusiast and advocate.He writes on a regular basis on timeless health and fitness tips at the Fit After Forty Blog. See more useful health and fitness news and tips at… http://www.healthandfitnessvitality.com/blogs/fitnessblog.htm