Cheap Cell Phones Save You Big Money

 Computer HW  Comments Off on Cheap Cell Phones Save You Big Money
Feb 032024
 

Cell phones


Everybody needs a cell phone these days, there aren’t many ways of managing without one. There is such a large range of options, clam phones, phones with e-mail, bluetooth, everything you could think of, and now some of them are even compatible with music players. Sometimes all you need is just a cheap cell phone that can still do all the tricks. Fortunately there are now a number of cheap cell phones, which can offer the range of services for less than the price of a new car.


Looking for cheap cell phones?


The price of a mobile phone has a lot to do with the type of service that you buy with the phone. When hunting for cheap cell phones the first thing to consider is what you will need from your phone. Will you be using it a lot, will you need access to emails, will you only use it every once on a blue moon? These can all affect the type of service that you need. Then decide if you would prefer a contract or pay-as-you-go.


Contract


There can be ways of finding cheap cell phones on contracts through the Internet, though the chances are that if you want something that is more than just a basic phone, a long term contract with one phone company is not the answer. Instead, look for contracts that offer you money off other services, as this can be as good as taking cash directly off the phone. Contracts will often offer money off of calls, or money back for making lots of calls, so this is can be a way of getting a cheap cell phone.


Pay as you go


An option that involves paying less for the phone is pay as you go. This allows you to buy a cheaper cell phone by making you pay for each call that you make. There are no money-back schemes with this phone, and the phone itself may not have all the capability of a contract phone. If you use your phone a lot, then this method will probably end up costing you more than the original phone.


Buying cheap cell phones online


Another method of tracking down cheap cell phones is to search the internet for deals – there are plenty of sites now dedicated to selling phones and accessories through the net, and that is one way of researching the cheap offers.


The modern mobile phone market is a buyer’s market, like so many of the services that are offered via the internet, and therefore it is possible to shop around, and seek the best offer you can get. Once you have made your decision between contract and pay-as-you-go, you should be able to narrow down your searches until there are only a few options. You need to be careful to read all the small print properly. The best options are not always the ones that offer the lowest prices; these can keep you on a leash even after the charges have been raised to the roof.

Women’s Clothing Shops

 Computer HW  Comments Off on Women’s Clothing Shops
Feb 022024
 

Low Priced Women’s Clothing Shops

Women’s clothing sells much faster and more frequently than men’s clothing, so it’s only natural that women’s clothing shops are more predominant than men’s clothing shops. But some women’s clothing shops are too expensive, despite the trendy and popular clothing they might display. Who can afford to pay designer prices just to look good?

Some of the trendiest fashions can be found in smaller shops that boast inexpensive fashions, though many of the labels may not bear recognizable names. These smaller shops are mostly found in strip malls. The women’s clothing shops found in large mall always have very high prices, and it isn’t worth the time and effort to go out to the mall to spend a lot more money. The smaller women’s clothing shops in strip malls carry all the great fashions that trendy women craze, at low prices the designer labels wouldn’t ever charge.

Plus Sized Women’s Clothing Shops

In a world that seems to be all about the slender and the small, full-sized women have trouble finding fashionable, affordable clothing that suits their sense of style. Just because you’re a big girl doesn’t mean you don’t want to look good, a fact that many of the hip stores seem to totally ignore.

However, many of the smaller, fashion-driven women’s clothing shops do have a plus-sized section. Some small stores even devote themselves entirely to plus-sized women’s clothing. Look for these stores not at the large malls, where prices are expensive, but near and around large department stores. These small, out-of-the-way shops often have beautiful fashions for big girls at prices that anyone can afford.

Used Women’s Clothing Shops

Gently used women’s clothing shops are springing up all over the country. More and more, used women’s clothing shops that specialize only in trendy, fashionable clothing are appearing in hip shopping areas. Look for these shops, which will usually be smaller than the average used clothing store, about the size of a boutique. Here you’ll find beautiful, affordable fashions that are in style. And no one will know that they’ve been gently used, so you’ll be able to afford more and fashionable clothing.

Tips for Shopping in Women’s Clothing Shops

If you really want to get more for your dollar, you’ll visit the clearance and sales racks in women’s clothing shops first. True, a lot of these are going to be last year’s fashions in a collection of sizes that are rarely bought, but it’s worth a look for that rare find. Sale and clearance items are wonderful, because you’re able to buy more with less money.

Buying more is the secret of using women’s clothing shops. Women’s clothing, especially fashionable clothing, can be very expensive. But everyone wants to look good despite the size of their wallet, so look for sales and you may just find something wonderful. All women just want to look pretty and fashionable, in comfortable clothes that they can get good use out of. Learn how to shop and what to look for in women’s clothing shops, and you can look great without spending a fortune.

There are so many women’s clothing shops to choose from, don’t settle on just one. Shops around for the best deals and best clothes, and that’s exactly what you’ll find. Women’s clothing shops don’t have to overwhelm you, if you know what you’re doing and you know what you want to spend.

Automtotive Sales Training.

 Computer HW  Comments Off on Automtotive Sales Training.
Jan 282024
 

Automotive sales training is the one thing that we all think

we have enough of until we get more. That’s right no matter

how good you are today, you can always become better. And

once we do get a little bit better or learn a new technique

it is normally pretty easy to reflect back on the deals that

we have worked in the not so distant past and think, “Wow, If

I had only known this last week when I was with “Mr. & Mrs

__________, I probably would have sold them a car.



This is why this column will be dedicated solely to the purpose

of examining different aspects and situations that occur during

the process of a car deal. Each month we will look either at a

new method for contending with the obstacles that we all face

in the day to day process or we will brush up on old techniques

regarding the automotive sales process.



I am sure every automotive salesperson reading this article

has encountered the customer that came to their dealership

looking for a certain vehicle, requiring specific “must have”

options yet was strapped by a budget that was several hundred

dollars a month away from anything that could be considered

reasonable, at least considering the demands the customer is

making. And after our best attempt to find them the vehicle

that meets all of their requirements, in the hope that they

will adjust their thinking when it comes down to their less

than reasonable budget, we find that they are not flexible at

all. That’s right, they want a brand new, seven passenger,

leather appointed, suv for $300 a month. And if we can’t get

it for them then they are just going to shop until they find

someone who can. Or so they say. But what they will really shop

for is someone who can sell them on the idea of buying something

that fits their needs just as well as what they are requesting

but is more in line with their budget – possibly a previously

owned suv or maybe even a minivan.



That’s right; they are going to buy from the first salesperson

that is capable of realigning their thinking. By realigning

their thinking I mean they need to be “switched”. Many

salespeople I witness think this means that they should go

back to their customer and ask, “Hey, what about a used one?”

or “What about a minivan instead of an suv?” If you have been

in the business for more than a day you know that the customer

normally responds by saying “No” to these two questions. Asking

your customer to buy something other than what they initially

asked for is at best, a feeble attempt to switch them and

definitely does not exhibit any salesmanship.



At this point you need to lead your customer. You need to become

a salesperson. You need to share with them the benefits in order

to help them realign their thinking. Below are the steps to take

if you are trying to switch your customer.



+ Determine which vehicle to switch to first (preferably

something that is close to what they are looking for yet more

in line with their budget)



+ Ask your customer to come with you for a moment (don’t ask

them if they would like to look at something else)



+ Take them to the vehicle that you want to switch them to.



+ Then present all of the benefits of the vehicle you are

trying to switch them to.



By taking the extra time to actually take your customer out

and show them a vehicle that suits their needs (and is in

line with their budget) you will increase your chances of

selling them. Once you have taken these steps to switch them

from one car to another one of three things will happen.



+ They will consider the vehicle you have shown them (And

hopefully buy it)



+ They will reconsider their budget on the vehicle they

originally expressed an interest in and hopefully increase

their offer enough that you can sell them it.



+ They will not consider the option you are giving them and

leave without purchasing. (however you will have more to talk

about on the follow up phone call)



Sure to many of you this may seem pretty basic. To me it is

too. But remember that next time you want to just ask your

customer to consider another vehicle rather than taking control

and leading your customer to an alternative vehicle for them to

purchase.





Article written by Biana Babinsky.

Why the beach holiday will never go out of fashion

 Computer HW  Comments Off on Why the beach holiday will never go out of fashion
Jan 222024
 


If anyone ever asks for the time while on a beach holiday, they surely have a thing or two to learn. Simply put, beaches have a way of holding time on their own accord, and they will undoubtedly insist on taking you with them at their own, leisurely, pace. And why wouldn’t you want to go? White, powdery sand along crystal-clear waters, palm trees for shade, and the sea breeze simply epitomize pure relaxation.


Spend your well deserved time soaking up the brilliant rays and letting go of all your stress, and if your idea of the perfect holiday is to take in all the splendours of the deep blue sea there are countless activities to take part in – including snorkelling, sailing, surfing, scuba diving, and more – all taking place in the sun’s rays of course!


Soon enough you’ll find that the essence of time just seems to roll away with the shells on the shore. And don’t be surprised if you forget what day it is. Sound too good to be true? It’s truly anything but. Whether your idea of the perfect beach holiday is to plunge into the crystal waters of the Bahamas, sink your toes into the idyllic white and black sand beaches of Hawaii, or absorb the warm and tropical paradise that Mexico has to offer, it’s all within reach – and you simply can’t go wrong.


As long as you have set yourself up with nice accommodation in advance, say a hotel on the beach, or something less refined, you can eliminate the final factor which could possibly cause anxiety and ensure that you are completely free to simply relax. There are a range of outstanding locales available to the inquisitive tourist, from tropical terrain to dazzling city coastlines. Visit your agent to catch a glimpse of all the luxurious hotels, fantastic locations, and amazing deals available to you.


When it comes to the wealth of the options you have for beach holidays, go with ‘whatever floats your boat’, but just remember not to let time keep track of you. Lose yourself in a place where the sun and the moon sparkle off warm waters, and where the sound of the waves will lull you to sleep at night. With all that beaches have to offer – surf, sand, sun and relaxation – it’s clear why beach holidays will never become a thing of the past.


So why not make your next holiday a beach holiday? It might be seen as unadventurous, but for relaxing in awe-inspiring sunrises and glorious sunsets it’s tough to beat.

9 Steps to Building a Profitable Customer Relationship

 Computer HW  Comments Off on 9 Steps to Building a Profitable Customer Relationship
Jan 182024
 

Success in sales depends directly on your ability to make yourself likeable, and create a positive experience for your customers. The following 9 Tips are some of the best – and easiest – ways I know to help you create a more positive customer experience:

1. Love what you sell, the company you work for and the customers you serve.
If you are truly passionate about these three things, your willingness to help your customers solve their problems will shine through. Customers will believe your sincerity and be captivated by your excitement. In short – you will be fun to work with. Our studies show that customers prefer to buy from sales people who overtly show that they believe in the products they sell, and the companies they work for. Choose to be honest, open and empathetic to your customers’ needs, and you will experience consistent sales growth, build an excellent reputation and become one of the top performers in your field.


2. Be empathetic and compassionate.
Truly care about your customers, and remember that no matter how good an actor you are, faking it simply won’t work. Ask questions, take notes and lean in to show that you’re engaged in their answers. When you take an interest in people, they remember you – and when people remember you, it’s good for business.


3. Add value and give first.
Share your network of contacts with your customers, and don’t expect them to give you their business without you giving them something first. I don’t mean give away free product in the hopes they will buy more. Instead, give away things that increase your value – like a referral to a partner of yours, a solution to a business problem that you read about or heard from someone else, or even help finding a new dentist!


4. Make eye contact.
This is especially important when you walk into a room full of people. Eye contact is also essential after we get to know people, because it cements our existing relationships and lets them know that we’re still interested in their well being. Very few sales people ever look their prospects directly in the eye. By simply smiling and making eye contact, you’ll be surprised how much you will set yourself apart.


5. Express your true intent.
Tell customers upfront: “I don’t know if there’s a fit between what you need and what I have right now, but I’m hoping we can explore that in more detail during this meeting.” Or: “I only have your best interests at heart, and I promise to be honest with you throughout our conversation. In the end, I hope that we can mutually decide if there is a reason to move forward. If not, that’s fine too, and I hope you’ll feel comfortable telling me so.” This advice runs counter to 90% of the approaches I see being used in the field today. But then again, maybe that’s why only 10% of sales people are top performers. Try it yourself a few times, and you’ll be amazed at the response you get.


6. Don’t go for the big decision all at once.
In our personal lives, we don’t propose to someone on a first date (at least, not usually!). The same is true in our business relationships. So get approval from the customer to move ahead in increasing increments. The first approval might be just to agree to speak openly with each other, as outlined in Tip #5 above. The second could be an agreement on a follow-up call time or meeting date. The third might be gaining agreement on the decision making criteria or a commitment to have the “big boss” present at the demo, followed by an agreement to a “go/no go” decision date. All too often, I see sales people jumping way ahead of their prospect’s buying curve. This puts the buyer and seller out of synch. When the sales person is trying to close while the prospect is still evaluating options or determining risk, trust is broken, the prospect feels pushed and the sale comes dangerously close to disappearing.


7. Use friendly, warm words.
When you use simple language instead of formal “business speak,” people respond better and trust you more. So limit your words to three syllables max. And don’t try to impress prospects with your extensive vocabulary, or you may end up just sounding fake.


8. Use people’s names.
When it comes to using names, there are just two rules to follow: first, be aware of whether they’re more comfortable with first name only or title + last name; second, never overuse their name – this only sounds corny and false. Dale Carnegie once said, “nothing is so beautiful to a person as the sound of their own name.” Just use your discretion.


9. Ask the right questions.
Successfully building agreement with your prospects depends on your ability to ask the right questions. What are the right questions? Those that move the prospect from an intellectual position of knowing they have a problem that needs to be solved, to an emotional state of trusting you to solve that problem in a way that will satisfy them.

In short, the right questions are those that reveal true buying motivations. Mastering the right questions will ensure that you and your client build a strong relationship, wherein you can both succeed – and profit!

To help you close more deals and build lasting profitable customer relationships, try asking some of the following questions during your needs analysis:

1. Identify the intellectual problem with a lead-in question.

What makes you think…?
How do you select…?
What’s most important to you about…?
Where do you see…?
How have you employed…?
What has been your experience with…?

2. Develop an intellectual awareness about this problem.

Can you tell me more about it?
Could you be more specific?
How long have you had this concern?
What have you done to address it?
How did that work out?

3. Identify the specific business impact of this problem.

How has this problem impacted your organization?
If you had to guess, what do you think this problem is costing your department / company / business / etc?
What will happen if this problem continues?
4. Get emotional! Identify the specific personal impact of this problem.

What impact does this problem have on your job / your staff?
How important is this to you personally?
What will happen if you don’t find a solution to this problem?
Why is it so important?

Remember: your success is directly determined by the way you are perceived, and the amount of effort you put into your career. Changing any of those variables will have a huge impact on whether you succeed or fail.

After all, in good times or in bad, the type of sales person you choose to be is 100% up to you.

Details of a Home Based Internet Marketing Business

 Computer HW  Comments Off on Details of a Home Based Internet Marketing Business
Dec 312023
 

Are you a marketing professional looking to move away from your current job? Do you love the marketing industry, but are tired of office politics? Do you wish that there was a way to take all of your skills and incorporate them into a home based business? If this sounds like you, you are in luck. There are many people in your shoes that have turned their love of marketing into a very successful home based business. Without a little bit of skill and determination, you may be able to take your years of experience and parlay them into a great work from home marketing job.

Starting a home based internet marketing business is not for everyone; but if you have a love for marketing, and the desire to run your own company, this opportunity may be for you.

Obviously, if you want to start your own home based internet marketing business it would help if you have some background experience in the industry to fall back on. This is always helpful because it will cut back on your start up time, and will also allow you to offer a higher level of service to potential clients. Being able to tell clients that you have 15 years of marketing experience will go a long way in securing you a lot of work.

The great thing about starting an internet marketing business is that you should have no problem getting your name in front of potential customers; after all, you are an internet marketing specialist! You will want need to set up a webpage where you outline what your company does, as well as your past experience. By doing this clients will be able to visit you on the web, and make a quick decision on your abilities.

The first thing you will need to start your home business is a home office. This is not as difficult as one would think.

Every home office needs are different but there are some fundamental staples that all require. You will want to have a clean, noise free environment that has good lighting and is free from distractions. This will help keep you more focused and productive. You will need a desk and chair. The size of your desk will depend on what its function is. You will want a place to store all your information about your customers such as a computer and/or a filing cabinet. You will also want a phone, fax/scanner/copier, Internet connection, and any other communication tools you might need at hand. Since most
home-based businesses focus on services or affiliate products there will be no need for storage. If you are planning to sell your own products and ship them yourself then make sure you have room to store them all. If you plan on doing meeting outside of your home there will be no need for a conference room either. If you are going to be seeing clients in your home
and don’t have a conference room then be sure to keep your place clean and neat at all times. First impressions say a lot.

If don’t have any equipment at all then you are probably wondering at what this will cost you. Well it is much lower than it used to be. Computers, printers, and software are a lot more inexpensive these days. You can also find great plans for telephone and Internet service today that are very reasonable. These services will allow you to make long distance phone
calls for free. If you shop around wisely you can find some really good deals on computers and office supplies and furniture.

+ Computer: you can expect to pay anywhere from $500 to $1000 for a computer that has all the latest features. You will want to make sure that it has at least a Pentium 4 processor speed and 60 GB hard drive. You will also want a 17″ monitor to make your life easier especially if you need to be on the computer often. Make sire that you have 256 MB of memory at
least and a CD-ROM read and write drive. This is pretty standard for most computers today, but you will always want to double check.

+ Multifunctional Machine: you will want to invest in a fax, printer, copier, and scanning machine. Many places sell them for great prices. You are looking at about $100 an up. Make sure that if you do a lot of printing you check out the price of the ink cartridge refills. If they are very expensive you might want to consider paying a bit more for the machine itself to be able to get the more inexpensive refills.

+Office Furniture: This can vary tremendously. If you want nice but affordable try office supply stores. They have the packages that are relatively inexpensive and easy to assemble. Get a good chair though. Never skimp on something you will be sitting for hours.

Many people are not sure of what the internet marketing industry consists of. When you are running an internet marketing business, you are going to be showing your customers how to increase web traffic, etc. This is hard for some people because they are used to more traditional means of marketing such as direct mail, etc. Even though you can offer these services, your main goal will be to convey yourself as an internet marketing specialist.

Starting a home based internet marketing business is not for everyone. Most of the time, the people that are most successful in this field have some sort of past experience. But if you don’t have experience, and you are still
interested, you can still give it a go. There is nothing wrong with researching the industry, and trying to learn as much as possible as you go along.

Home internet marketing businesses have become very popular. If you are looking for a way to become more independent, you may want to consider this option.

Foreclosure – Can Foreclosures be stopped

 Computer HW  Comments Off on Foreclosure – Can Foreclosures be stopped
Dec 272023
 

It is everyone’s dream to own a home or built a house for his or herself. There are a few who are fortunate enough to secure one paid in full while many others try to buy one through financing or securing loans.



However, even you are religiously saving for the so-called rainy days and even if you have sufficient finances, there would come a time that you would find it difficult to face up to your obligations. Sicknesses in the family, a possible retrenchment at work or emergency purchases are unexpected instances where you could find yourself in arrears with your payment and then suddenly you are now facing foreclosures.



When legalities come into play in your financial situations or mortgages, it means that your predicament is deep serious. Foreclosures are one of those legal terms that everyone detests, especially the homeowners and the financers or banks themselves.


In exchange for lending the money, the lender would hold a lien against the property, If the borrower does not make the required payments, then the loan goes into default and the lender could exercise the lien against the property, in order to take legal possession of the property for the purpose of selling the property to pay off the borrower’s loan. This process is called foreclosure.



CAN FORECLOSURES BE STOPPED
HOW TO STOP FORECLOSURES


Aside from the obvious reason of not paying their loans on time, homeowners get into foreclosures, even if they have avenues to explore, simply by ignoring calls or letters from their banks and lenders or just simply giving up on his/her property in the hope that the tide of things would turn favorable on them.


Although foreclosures are eventualities in securing homes through financing, it does not mean that this could not be stopped or remedied. The matter hinges on the homeowners themselves if they want to keep the property for sentimental reasons or just simply foreclose it and just face the consequences of their action, notably severe damage to one’s credit rating.


If you are delayed in payments to your mortgages and there is no relief in sight, in the immediate or near future, then you have to put the problem in perspective and make a contingency plan or efforts.


The standard measure of keeping or selling the property is that if your monthly house payment (including property taxes and insurance) does not exceed 40% of your gross monthly income, it should be possible for you to keep the property. If the payment is greater than 40% of your gross monthly income, consider selling or transferring the property to avoid negative impacts on your credit. This option would more likely be the path to be taken by borrowers who have equity in the property. By selling the property, the borrower could then pay off the mortgage, and pocket the difference if there is equity remaining.


If the financial setback is temporary and you need immediate money to make your loan current so that you could continue paying your debts, it is best to approach family and friends instead of hard money loans since they would lend money based on equity in the property. Just make sure to pay off your loans to your relatives or close friends for it is much difficult to have them foreclose on you to get their money back.


The best and simple solution to foreclosure proceedings is to deal directly with the situation. Be brave enough to talk with your banks or lenders and explain your situation. Remember, they do not want to foreclose on you they just simply want their money back plus interest. By exploring this angle, the lender and the borrower may arrive at a common ground to work on and resolve the situation in a way that is agreeable to both parties. The Loss Mitigation Department would deal on cases like this.


Basic lending guidelines would require all home loans would total up to less than 70% of the current market value of the property. If you have more equity than that, you should have no difficulty in obtaining a new refinancing deals or second trust deed to bring your loan current. Expect higher interest rates and loan fees.


There are several other alternatives available to you depending on the situations of the borrower, laws of the state and policies of the lender. You may consider forbearance, refinancing, modification, deferral of principal, a temporary indulgence and a Chapter 13 Bankruptcy.


In applying forbearance, your lender may be able to arrange a repayment plan based on your financial situation and may even provide for a temporary reduction or suspension of your payments. You may qualify for this if you have recently experienced a reduction in income or an increase in living expenses. You must furnish information to your lender that there is a temporary problem and it would be resolved in the near future and show that you would be able to meet the requirements of the new payment plan.


A similar portion is deferral of principal in which the borrower agrees to pay the interest only for a certain period of time and then making the usual monthly payments. But just like in forbearance, this is very difficult to obtain unless the bank is familiar with the borrower or the borrower has an excellent credit stature in the bank.


If you have recovered from a financial problem you may able to apply for a mortgage modification. This process involves renegotiating the terms of debt and/or extends the term of your mortgage loans, changing the interest rates or additional surcharges to the principal with the current lender. This may help you catch up by reducing the monthly payments to a more affordable level. Refinancing, on the other hand, means that the borrower obtains a new mortgage with a different lender; the operative word here is different. As much as possible this alternative should be avoided since it would make your problems worse for borrowers in distress would tend to agree to onerous terms just to get a lease on their loans.


A chapter 13 Bankruptcy could be another option for it gives the borrower the time to “re-organize” his finances and work out a payment plan prior to resumption of payment. This would help keep the property and not blemish your credit rating compared to a Chapter 7 Bankruptcy, which completely discharges any debt the borrower had accumulated under the mortgage.


As a last resort, you may able to voluntarily “give back” your property to the lender or a “deed in lieu of foreclosure.” This would not save your house, but it is not as damaging to your credit rating as a foreclosure. This may be availed of if the borrower is in default and do not qualify for any other options and your attempts at selling the house before foreclosures were unsuccessful.


In some other states, there are laws and other options that are available to borrowers with mortgage problems. There is the option of reinstatement which means that the borrower brings the foreclosed mortgage current, including all overdue amounts, as well as fees and costs. Likewise, there is the co-called redemption, however it is usually limited in how often he or she could take advantage of this option and this is limited to some states.


A foreclosure procedure takes a long time to materialize and homeowners are given the chance to bail themselves out of their predicament. Sometimes the best defense against foreclosure is just to make a response on their inquiries or demand letters. Ultimately, the only thing that would stop foreclosure proceedings is repayment of the debt, for every option mentioned here is just a delay in the proceedings.

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