How To Fix Sputtering Marketing

Is your marketing generating a steady stream of sales leads?

If not, ask yourself this question: Do you have a marketing plan?

You may know what your business goals and objectives are. And you probably have a website and some advertising. But without a game plan, your marketing activities are reduced to a few unconnected activities that are unquestionably to produce the results you want.

A marketing plan helps you tie all your marketing activities together and keeps you focused so that you can create a roadmap that will lead you to your objectives.

And a simple, one-page marketing plan will take you a lot further than no marketing plan at all.

So what should your plan be based on? You can start with these basics:

1. Identify Your Marketing Goals

What specifically does your marketing need to achieve for your business to thrive? How many new leads do you need each week? What percentage of those leads do you need to convert to sales? What is your revenue target?

2. Create A Marketing Strategy

Take a look at your goals. Now what is your overall approach and position in relation to your goals and competition. My marketing strategy uses an educational approach. By providing people with useful information and ideas, I get an opportunity to demonstrate the value I provide and establish my credibility.

3. Set Up Your Marketing System

Create an action plan. Tie all your marketing activities together into a system that reflects your marketing strategy. The idea is to have everything working together as one.

4. Creation And Implementation Of Your Marketing Activities

Now that you have identified what your marketing activities will be, it's time to take each marketing activity and figure out who will create and implement it and when.

5. Fine Tune Your Marketing Tools

Your marketing activities require the use of one or more marketing tools. These include your website, your marketing messages and things like article marketing. To get your prospect's attention, you need to ensure your marketing tools are really ready to cut through all the marketing noise.

Creating a written plan may seem intimidating but as you can see, you should be able to hammer out the basics in a few hours.

Impact Of Technology In Banking

In the world of banking and finance nothing stands still. The largest change of all is in the, scope of the business of banking. Banking in its traditional from is concerned with the acceptance of deposits from the customers, the lending of surplus of deposited money to suitable customers who wish to borrow and transfer of funds. Apart from traditional business, banks now a days provide a wide range of services to satisfy the financial and non financial needs of all types of customers from the smallest account holder to the largest company and in some cases of non customers. The range of services offered differences from bank to bank depending primarily on the type and size of the bank.

RESERVE BANK'S EARLY INITIATIVES
As a central bank in a developing country, the Reserve Bank of India (RBI) has adopted development of the banking and financial market as one of its prime objectives. "Institutional development" was the hallmark of this approach from 1950s to 1970s. In the 1980s, the Reserve Bank focused on "improvements in the productivity" of the banking sector. Being convinced that technology is the key for improving productivity, the Reserve Bank took several initiatives to popularize usage of technology by banks in India.

Periodically, almost once in five years since the early 1980s, the Reserve Bank appointed committees and working groups to decide on and recommend the appropriate use of technology by banks to give the circumstances and the need. These committees are as follows:
-Rangarajan committee -1 in early 1980s.
-Rangarajan committee -11 in late 1980s.
-Saraf working group in early 1990s.
-Vasudevan working group in late 1990s.
-Barman working group in early 2000s.

Based on the recommendations of these committees and working groups, the Reserve Bank issued viable guidelines for the banks. In the 1980s, usage of technology for the back office operations of the banks predominated the scene. It was in the form of accounting of transactions and collection of MIS. In the inter-bank payment systems, it was in the form of clearing and settlement using the MICR technology.

Two momentous decisions of the Reserve Bank in the 1990s changed the scenario for ever there are:
a) The prescription of compulsory usage of technology in full measure by the new private sector banks as a precondition of the license and
b) The establishment of an exclusive research institute for banking technology institute for development and research in Banking Technology.

As the new private sector banks came on the scene as technology-savvy banks and offered several innovative products at the front office for the customers based on technology, the demonstration effect addressed on the reset of the banks. Multi channel offerings like machine based (ATMs and pc-Banking), card based (credit / debit / Smart cards), Communication based (Tele-Banking and Internet Banking) ushered in Anytime and Anywhere Banking by the banks in India. The IDRBT has been instrumental in establishing a safe and secure state of the art communication backbone in the of the Indian Financial Network (INFINET) as a closed user group exclusively for the banking and financial sector in India.

CHANGING FACE OF BANKING SERVICES
Liberalization bought several changes to Indian service industry. Probably Indian banking industry learnt a tremendous lesson. Pre-liberalization, all we did at a bank was deposit and withdrawal money. Service standards were pathetic, but all we could do was grin and bear it. Post-liberalization, the tables have turned. It's a consumer oriented market there.

Technology is revolutionizing every field of human endeavor and activity. One of them is introduction of information technology into capital market. The internet banking is changing the banking industry and is having the major effects on banking relationship. Web is more important for retail financial services than for many other industries.

Retail banking in India is maturing with time, several products, which further could be customized. Most happening sector is housing loan, which is witnessing a cut-throat competition. The home loans are very popular as they help you to realize your most cherished dream. Interest rates are coming down and market has seen some innovative products as well. Other retail banking products are personal loan, education loan and vehicles loan. Almost every bank and financial institution is offering these products, but it is essential to understand the different aspects of these loan products, which are not stated in their colored advertisements.

PLASTIC MONEY
Plastic money was a delicious gift to Indian market. Giving reply from carrying too much cash. Now several new features added to plastic money to make it more attractive. It works on formula purchase now repay later. There are different facts of plastic money credit card is synonyms of all.

Credit card is a financial instrument, which can be used more than once to borrow money or buy products and services on credit. Banks, retail stores and other businesses generally issue these. On the basis of their credit limit, they are of different kinds like classic, gold or silver.

Charged cards-these too carry almost same features as credit cards. The fundamental difference is you can not defer payments charged generally have higher credit limits or some times no credit limits.
Debit cards-this card is may be characterized as accountholder's mobile ATM, for this you have to have account with any bank offering credit card.

Over the years, the banking sector in India has seen a no. of changes. Most of the banks have begun to take an innovative approach towards banking with the objective of creating more value for customers and consequently, the banks. Some of the significant changes in the banking sector are discussed below.

MOBILE BANKING
Taking advantages of the booming market for mobile phones and cellular services, multiple banks have introduced mobile banking which allows customers to perform banking transactions using their mobile phones. For instances HDFC has introduced SMS services. Mobile banking has been especially targeted at people who travel frequently and to keep track of their banking transaction.

RURAL BANKING
One of the innovative scheme to be launched in rural banking was the KISAN CREDIT CARD (KCC) SCHMME started in fiscal 1998-1999 by NABARD. KCC mode it easier for framers to purchase important agricultural inputs. In addition to regular agricultural loans, banks to offer several other products geared to the needs of the rural people.

Private sector Banks also realized the potential in rural market. In the early 2000's ICICI bank began setting up internet kiosks in rural Tamilnadu along with ATM machines.

NRI SERVICES
With a substantial number of Indians having relatives abroad, banks have begun to offer service that allows expatriate Indians to send money more conveniently to relatives India which is one of the major improvements in money transfer.

E-BANKING
E-Banking is becoming increasingly popular among retail banking customers. E-Banking helps in cutting costs by providing cheaper and faster ways of delivering products to customers. It also helps the customer to choose the time, place and method by which he wants to use the services and gives effect to multichannel delivery of service by the bank. This E-Banking is driven by twin engine of "customer-pull and Bank-push".

CONCLUSION
Technology has been one of the most important factors for the development of mankind. Information and communication technology is the major advent in the field of technology which is used for access, process, storage and dissemination of information electronically. Banking industry is fast growing with the use of technology in the from of ATMs, on-line banking, Telephone banking, mobile banking etc., plastic card is one of the banking products that cater to the needs of retail segment has seen its number grow in geometric progress in recent years. This growth has been consistently supported by the development of in the field of technology, without which this could not have been possible of course it will change our lifestyle in coming years.

SEO 7 Key Steps to Make Money With SEO

Search Engine Optimization has been proven to be one of the best techniques any webmaster can use in order to drive quality organic traffic to his or her site and eventually convert this traffic to instant money. Here are some key steps on how you can do exactly that:

1. Fill your content with relevant keywords. Make your site crawl by using appropriate keywords or keyphrases so search engine can easily find you. Sprinkle these keywords on your articles without sounding too unnatural. Remember you have to make your content both search engine and user-friendly.

2. Build links. To get optimum result, build links to websites which are already indexed by search engines. These websites usually have enormous traffic and good search engine ranking that can drive quality traffic to your webpage.

3. Submit your webpage to SEO directories. This is the best way to create a quality one way link to your site.

4. Write and submit quality articles to ezine sites. Make your website crawl through internet marketing. Write quality articles and distribute them over the internet. Each submission grants you a one way link.

5. Do a keyword research regularly. The needs and wants of your readers dramatically change everyday. Identify the new keywords that they might use in searching for your products and service. Optimize your webpage by using these keywords naturally.

6. Update your webpage regularly. Keep your website active by posting new content, images, reviews or commentaries whenever appropriate to give you readers a reason to check out your site over and over again.

7. Utilize link popularity. This can easily be done by getting at least 2 quality inbound links to your site. This is the most powerful SEO technique there is in the World Wide Web today so learn its ropes and take advantage of it.

Avoiding The Year End Sales Push Is The Best Sales Strategy

Every year thousands of salespeople spend the end of the year in a frantic push to reach their quota and or satisfy the demands of management to hit a specific number. I am not suggesting that this is necessarily a bad approach to increasing sales, but there may be a less stressful and more successful way to approach this challenge that I would recommend you consider in future years, if it is too late for this year.

Granted, many prospects and clients wait until the end of the year to see if they have available budget to purchase or commit to purchasing your products or services. I understand this philosophy. Others many just procrastinate, waiting for lightning to strike before they can make the decision to proceed with an order. There are hundreds of reasons for waiting and only one reason for doing anything now. It makes sense because there is a need, a desire or a sense of urgency to get a problem solved or the ability to take advantage of a business opportunity that may slip by if action is not taken. Either way it is incumbent on the part of the salesperson to discover or create this sense of urgency – the real problem or need.

Too many salespeople deal in superficial reasons, wants, needs given to them by prospects and therefore never really get to the heart of the pain or ultimate real need of the prospect or client. I know, I have been there many times. It takes skill, confidence, courage and often the willingness to walk away from some business in order to be willing to peel away the layers of excuses, lies, and stalls that can cause potential business to be delayed weeks even months and sometimes years.

There is only one way in which I know to do this and that is with – tough, yet relevant questions.

Sure, there will always be a certain percentage of business that will wait until the last day of December. My question is however, are you relying on this business as a large percentage of your yearly quota? If you are, you are setting yourself up for frustration, disappointment, increased stress and even possible failure if this is your approach.

A better way, is to look at each month of your year as a one twelfth portion of your year. In other words when April is over, any missed sales that were needed to hit your number for the year are gone, forever. You don’t get the chance to make up for a shortfall in April in December. Each month is a mini year. With this attitude you will tend to keep the urgency to maintain your sales volume and results spread equally over a 12 month period. Your year is like a rotating year. At the end of each month you begin a new 12 month cycle. In essence each month is the last month of your year.

This attitude and strategy will not guarantee that some business just needs more gestation time before a customer will buy, but it will tend to reduce the pressure and stress of what I call the “4th Quarter Blues”. It is better to spread this anxiety out over a twelve month time frame than shove it all into the last 30 or 60s in the year. Most people can handle stress, anxiety and disappointment in small doses. But, few people can effectively handle large amounts of this stuff condensed into a small fragment of time. The holidays are stressful enough for many people, why add to the personal stress with increased business stress.

The end of the year holidays should be enjoyed and not dreaded because of the pressure you are feeling at work.