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Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.

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What Are The Top Mobile Commerce Strategies?

The demand for mobile devices was at an all-time high in 2013. In 2014, Smartphones and Tablets will gain greater popularity. After all, reports suggest that mobile Internet usage will take over desktop Internet usage within a year. Even 5 years back, most of us could not think of surfing the Web via anything other than our desktop computers. However, we soon got “paralyzed” by the incessant advancements in mobile technology.Human race once took pride in sending rockets to outer space, but is now helplessly depending on mobile devices. From GRS navigation to table reservation, we can no longer think of a life that does not connect with mobile technology. Therefore, online shopping via mobile devices was just a matter of time.However, online shopping via mobile devices or mobile commerce did us more good than harm. Mobile commerce is a secure, user-friendly and time-saving way of online shopping. Almost every well-known e-commerce website created a strong mobile presence in 2013, and the ones who are lagging behind will surely catch up with them in future. If you are one of those e-commerce companies who are planning to create a strong mobile presence in 2014, here are the top mobile commerce strategies to keep in mind:#1. Bargain HuntingBargain hunting makes it easier to compare price of a product. As customers love to compare prices before making a purchase, app creators have come out with apps imbued with the power of scanning barcodes and discovering various prices at different retailers. There are also mobile websites that serve the purpose of comparing prices of a product at different stores.#2. Mobile TicketingMobile ticketing is one of the most common sights we see around us these days. And it will not slow down any time soon. What is mobile ticketing? It is the process of using a mobile device to buy tickets of an event. As a result, every service provider is aiming to make sure that its mobile customers find it easy to buy tickets via mobile devices.#3. Tangible GoodsIn earlier years, people mainly bought ring tones and games via mobile commerce. A recent survey suggests that mobile shoppers will spend around $120 billion on tangible goods in 2015. This is a great news for online retailers that sell tangible products and services.#4. Mobile MarketingWhile 20% of online retailers already have a mobile presence, a mobile commerce strategy is either in place or in the development stage for the rest 80% of online retailers. Once the process is complete, these companies must make sure that they are marketing their products properly. The idea of offering coupons and deals via emails and text messages is an effective way to start the mobile marketing campaign.#5. Mobile BankingIt was in 1999 in Europe when mobile banking came into existence. Ever since then, mobile banking is our trusted way to make transactions and check account balances. When banking is so easy and fast using mobile devices, it is the perfect time to invest in mobile banking apps. These apps had a phenomenal rise last year, and will continue doing so in future.ConclusionAs I stated it earlier, the future prospects of mobile commerce are full of promises. Online retailers who are still not a part of the “Going Mobile” phenomenon must make sure that their businesses are on the map soon. If there is any slack in efforts, business competitors will not wait and capitalize on targeting the potential customers. In short, an effective mobile commerce strategy will decide on the success of a business.
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Why Travel Agents & Tour Operators Need To Focus On Authentic Local Experiences To Stay Competitive

The major elements comprising the generic destination competitiveness model helps to identify the key success factors of destination marketing. Among the many approximate set of indicators used to determine destination competitiveness, local experiences is one of the key points. Elaborate empirical as well as conceptual research points out the relative strengths and weaknesses of different tourism destinations, which can then be used to study the impact of local experiences on the travelers and vice versa.The discerning travelers of today’s world love exploring unique experiences each destination has to offer and go much beyond staying in the top suite of hotels. Choosing the best dining options and spas has otherwise become passe. No online portal can take you to the hidden nuggets of the destination except the native folks. So, to match up with the millennials’ definition of travel, you need to indulge with the locals which is way beyond any packaged holiday or cookie-cutter options.Blurring the borders of traditional definition of travel
It’s important for Travel Agents to realize that selling travel is actually selling happiness. Imbuing travel goals based on interaction with local people makes travel more meaningful than ever. Authenticity, simplicity, and culture are the new watchwords driving the growth of the travel tourism sector internationally. The evolution of the whole new travel genre is based entirely on indulging in local experiences. It is not about the best luxury experience but the intrinsic local touch will definitely add magic to the holiday memory. Remember that the most valued luxury is experience.Present-day culture travelers have moved beyond the familiar environs and revel in the experience in itself. Clearly enough, tourists that like to break the mold are more interactive with local residents. This paradigm shift has not however, completely caught up with everyone yet. The focus of investments still remains on the traditional tourism-related components.To create a layered travel experience, the hospitality industry is gradually promoting themselves as the portals for the local community. Although that might not be a necessity but local experience will definitely give a competitive advantage.Blending national culture and heritage into luxury travel tours need careful planning and is bound to enhance tourist’s experience. Getting certified from the government tourism policies which include inter-cultural education policy helps to makes the travel agents’ outset more impressive.Counter homogenization of the travel experience is the new clause of the tourism authorities. Embracing local cultural tourism will have an impressive lasting impact on travelers with like-minded outlook. Traditional vertical distribution chains among the travel providers has given way to complex value chains and thus in this increasingly competitive marketplace, providers need to seize every opportunity for competitive advantage. Collaborative advantage through local and government partnership is thus a new norm. Local culture and society has become an essential part of tourism value chain. The integrated inter-relationships between travel and other socio-economic sectors are now conceived as a ‘value network’.Promoting Local Cuisine
Sustainable tourism, which is tantamount to responsible tourism, has been a major concern in the travel industry for the past couple of years. Experiencing the local culture largely contours around the traditional gourmet industry. Trying traditional food completes the cultural experience of the place. Talking of the economic aspect, if you are eating at McDonald’s, instead of benefiting the local community, a major chunk of it leaves the local socio-economic circle. The international traveler’s gang consist majorly the Western tourists and without much doubt, the need for Western food is always higher than the local recipes.While traveling for a single night’s stay, people might think it not important enough to connect to the local traditions. However, pennies in the pocket of the local cuisine industry help to uplift the local tourism industry on a larger picture. Walking into a McDonald’s or a KFC might fill your tummy but will neither add to the local tourism sector nor enhance your experience. For instance, Vietnamese pho is now a big pull for travelers in Vietnam and when in Costa Rica, do not miss gallo pinto. Building connections with the local folks is not always the only token you get in return but you actually help to build a perception about your nationality as a whole. A country’s heritage is strongly rooted within the memories of the local people and as the old folks say, the way to a man’s heart is through his stomach!Experiential travel – creating a deeper connect
The demand for ‘experiential travel’ is arguably the most significant as well as systematic trend in worldwide tourism. The term typically defines immersive, authentic, local, and more active travel trend. While some travel enthusiasts would like to argue that travel is inherently ‘experiential’ by nature and that the term is overused, the idea is to make it more mainstream. Travel consumer attitude has varied wildly when it comes to local tourism and it is its degree of definition varies widely how the overall trend is approached.On a deeper emotional and more personal level, people want to travel better at the end of the day. Growing numbers of travelers shying away from the traditional packaged travel brochure is definitely a valid evidence of how local experiences matter for the new age travelers.Going Social
Relying on technology and global networks of small and individual travel providers, travel brands are offering more connected experiences. Almost infinite online matrix of social media networks keep us connected no matter where we travel. But ironically enough these social networks are gradually isolating people in real life than helping them make closer to human connections. The online sharing portal pair travelers with the local citizen network and offer experience to travel like local.With packaged tourism losing its appeal among modern day travelers digs the question of what exactly is authentic travel. Consumer data might reveal a section of these answers but tracking social media will give an organic result. For travel brands targeting specific niches, evaluating and adapting to the changing travel behavior is much important.Tech tools
Undoubtedly, the most influential and dependable tech tool for millennials is the smartphone. Mobile phone location technology has made connection right. On niche apps, review-stuffed maps by Google etc. have made planning for set-piece events easier than ever before. The transparency of peer-to-peer accommodation and transportation services like Airbnb and BlaBlaCar add to the authenticity of the travel experiences and their reviews. The underbelly of a place can only be offered by the natives of the place and thus creates difference in the authenticity of the travel experience.Large industry players have also chosen to go down to local level. The Instagrammable ideas and images of the less explored destinations is fun in itself. With a series of themed guides and commissioned travel advice by savvy locals has found intense popularity amongst the new age travelers. The aim is for travelers to get a genuine local experience of the destination. Travel Companies can do well to follow the adage – Think global, act local!

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Modern Debt Management Systems Can Produce Tremendous Savings

Consumer and personal debt is, perhaps, the number one problem facing most American families today. The reasons behind the tremendous surge in debt have been related to emerging socio-economic patterns suggesting that we’ve become a nation obsessed with lifestyles and consumerism.America has always been a nation of consumers and the American people have always enjoyed one of the highest standards of living in the world. Something else has contributed to this national crisis.What has changed in the last several decades is that we have developed very sophisticated technology to acquire debt. Debt acquisition is as close as your cell phone or personal computer and can be accomplished in a matter of seconds.However, we have been slow in developing such sophisticated systems to manage that debt at the consumer level. We have been the victims of a technological gap between debt acquisition and debt reduction.If you do not manage your debt, it will manage you. Or more precisely, your creditors will manage your debt for you and they will, of course, manage it in a way that is most favorable to them, not necessarily you.At the consumer level, we tend to keep our debts separated, divided, and isolated in separate accounts, making it impractical, until recently, to strategically manage that debt.Automated debt management systems have been in use by banks, insurance companies, and other institutions as needed to maintain cash reserve requirements but, until recently, have not been available at the consumer level due to the cost of developing and supporting these specialized cash flow management systems.Many people in other parts of the world have had access to various debt reduction systems. In this country, however, it is a relatively new opportunity to systematically manage our personal and consumer debt. We now have access to affordable technology to manage our debt rather than allowing it to manage us.First, let me explain what a modern debt management system is not.It is not a set of instructions or a “How To…” book available from a variety of well intentioned sources which simply overstate the obvious; instructing us to “stop spending so much money”, or “cut up our credit cards”. It is not a “makeover” system which painfully rearranges our daily spending patterns.It is not a static spreadsheet or plan for debt reduction which does not consider our day to day personal financial circumstances.It does not involve the refinancing of existing debt or consolidating smaller short term debts into larger long term debts. It is not a self administered or pre-calculated repayment acceleration plan. It does not involve negotiating with your creditors or any means of debt reduction which avoids the repayment of legitimate debt on a dollar-for-dollar basis.Just like the bank model, modern debt management systems are integrated with your daily and monthly financial transactions. They are dynamic. Modern debt management systems have the ability to analyze and manage all of your debt, including your mortgage debt, side by side in a single environment and make strategic adjustments based on your daily or monthly cash flow.A modern debt management system is programmed for liquidity. Liquidity is to debt what water is to fire. If you have an abundance of liquidity, you could be out of debt in very short order. On the other hand, if you have a shortage of liquidity, it could take decades to get out of debt.A modern debt management system focuses on ways to harness current liquidity and seeks to fully develop your potential future liquidity. It utilizes that liquidity to systematically eliminate debt. It can develop multiple sources of liquidity and utilize that liquidity as leverage against debt.Because of the importance of liquidity, modern and effective debt management and debt reduction systems are fully integrated with your current monthly income and expense cash flows. That is not to say that increasing your income and/or reducing your expenses is a requisite. A good debt management system takes advantage of existing cash flow, not necessarily changing it.A modern debt management system is relatively painless to follow and does not require significant changes to your established spending patterns. It can be set to aggressively pay down debt, to maintain a certain level of debt but reduce the carrying cost, or fund a retirement or college savings plan.Today’s sophisticated, versatile, and effective debt management systems are not inexpensive. However, in terms of future interest savings, they can make up the cost of the system in the first few months of use and, over time, produce interest savings in excess of the total amount of current and future debt.An inexpensive or do-it-yourself system is probably not a good alternative. While you might be able to redirect some liquidity and do some good, you would not be able to recreate the integrated mathematical algorithms which drive a more sophisticated system producing the best possible results.Any current financial plan worth its’ weight in paper should address both sides of the balance sheet and include a modern debt management system.

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eCommerce Web Designers For Professional eCommerce Website Design

eCommerce is the activity of engaging in business online… As many people now shop online, eCommerce has become a principal economic activity in many parts of the world. In keeping with this trend, eCommerce websites have taken the lead in the online world presently. eCommerce website designing takes care of the special designing needs of eCommerce websites.eCommerce websites are specially designed to encourage visitors to buy products and stay longer on the site so that they can spend more. It includes a business relevant look and feel, reflect the vision and philosophy of the business, possess an organized layout and professional design, include proper navigation, carry lucid and market friendly content and have a customer friendly user interface, and also comprise of a simple checkout and uncomplicated shopping cart. These sites are integrated with a professional gateway to ensure smooth and hassle free online payment.Designing an eCommerce site is an extremely professional task. The creation and designing of eCommerce sites is not the work of lay designers. It requires very professional and talented eCommerce website designers to design an eCommerce website that can eventually become a success.So, if you want to start a new eCommerce project or would like to upgrade your existing eCommerce website, then you should hire a competent eCommerce website designer. Thus, you can rest assured that your eCommerce project is in the safe hands of a professional.Any professional eCommerce site designer will have several successfully completed projects to his or her credit. The designer should normally have sufficient exposure to all elements of eCommerce website designing. The website designer may work independently or even as part of a team that is specifically into designing professional eCommerce stores. The result that you should expect either ways is a successful website that has the ability to draw prospective customers and deliver significant conversions.Any eCommerce site designer should have the talent and the professionalism to take his or her job seriously. Most clients usually expect designers to take up the entire responsibility of designing the website from start to finish. The designer’s sole aim should be in designing an eCommerce site that delivers the requisite ROI and becomes a profitable venture.The designer or the designing team should be able to lead the website from conceptualization to the final integration of the website with the payment gateway. Moreover, the buying experience for the customers should be a smooth affair right from landing on the site and choosing the products to proceeding to the checkout for payment. In effect, customers should be able to choose a product of their choice effortlessly and there should be minimal shopping cart abandonment.Clients should choose an eCommerce designer that understands the responsibilities of designing an eCommerce store well. What is essential for the designer is a complete set of well-developed skills that comes along with a thorough aptitude for design. Alongside, the designer should be conversant with market trends so that the store can be designed in line with the preferences and the professional standards that the target audience expects.To summarize, with the right eCommerce site designers in hand, you will surely be able to develop or enhance your eCommerce business to reap the rich rewards on the Internet.

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Key Features Of Best Business Hotels

For business travelers like you, staying in comfort at a hotel and having access to the room amenities, while waiting to meet your business deals, is a great thing you expect. During your stay in the hotel, it’s usual that you need to be in connection with businesses outside, so it’s not surprising that you would take advantage of hotel’s facilities or amenities and services. It’s not only relaxing, spacious and well-equipped rooms you look for, but it’s all about the things like computers, in- room high speed internet (we know you love it!), cell phone, cell phone charger, notebook computer batteries, notebook computer batteries, cable TV, good lighting to perform work, and other various business services available that can support and take care of your business work, until you complete the business trip.Moreover, your business- free time should also be considered. In late afternoon, evening, or nighttime (if you prefer to stay in your hotel), you will definitely want to kick back in the hotel’s 24-hour restaurant or enjoy a beer or cocktail in cafĂ© or bar (or coffee lounge). In- house restaurant could be the most favorite dining option. Moreover, for business travelers, shuttle service to and from the airport is supposed to be the most important amenity, followed by childcare facilities, swimming pool and fitness center.Well, all above seem not enough! Why don’t we go together to see more what to consider when to choose the best hotels for business travel.
Key Features of Best Business Hotels and Business Travel
First of all, it’s about what hotel you look for your business trip.
Hotel Features: The question is whether the hotel has the types of features you need. What kind of hotel you look for: the hotel that suits well your need for the quick overnight stay or the hotel for week- long business trip? Check if the hotel has business suites or meeting rooms available if you need them?Location: Hotels that are situated near an airport or located in a city’s business district usually cater to business travelers because they can perfectly respond business travelers travel style. Airport hotels rarely offer much on scenery, but they make up for it with convenient location. This feature of airport hotels makes it easier to travel to central district to meet contacted business people or to catch up on business work, or to fly out for short break getaway, and fly back in. But you should check if the airport hotel is really close to the airport.Furthermore, check if the particular hotel you want to stay is located in a safe part of town. Moreover, it would not be good at all if you find after arrival at the hotel that there is major construction going on in the area around your hotel’s location.Additionally, it’s good if your selected hotel is located in the city center, where you can expect to explore many more things of the city off your business time (such as the nighttime). However, make sure that you already check the hotel’s location that it’s not too near the club and bar areas where music can make too much of loud noise. Although you want to sample the city nightlife, we hope that you would not spend the whole night listening to the club music downstairs, and being awakened every 20 minutes by the group of partygoers making loud noise. Your business trip next day could be a difficult day.Internet Access: Most hotels offer Internet access. It can be the business center’s computer, high-speed access in the room, or wireless hotspots. International 5- star hotels for business travelers rather focus even much more on this feature. The hotels will facilitate business travelers up to five or six high- speed Internet terminals for easy access and quick response. Imagine how much a hotel is perfect to have Internet access available everywhere for you, to make sure that business travelers like you never lost in businesses and communication outside. It’s business travel lifestyle!Quick, Customer Service: Professional hoteliers are in the business of providing good customer service or hospitality. Business hotels make the important distinction of offering good customer service quickly and efficiently, rightly to your needs. Your needs must be met quickly so that you can perform your business deals even more quickly and efficiently as well.Concierge Service: Not all hotels have a concierge, but if they do, a good concierge can be very helpful. They are there to make your hotel stay extra special, especially if you are during your business stay. They can respond your special request. So, check if the concierge offers the types of extra services you need.But you should be informed that concierge works for tips and since they can provide such a wide variety of services, there aren’t really standard tipping guidelines. Simple requests can be rewarded with small tips, but more complex and difficult requests should be rewarded accordingly.Easy Transportation: Business travelers need to be places on time and with minimal hassle. Best business hotels usually offer transportation shuttles to major business areas, or assist travelers with securing taxis or private cars.All Effort to Guest Service: Perfect business hotels must allow business traveler like you to focus on your jobs, to make them the most successful. If a guest is in trouble, whatever that can damage his or her business plan, professional hoteliers will put their most and best effort and extra level of service to help their guest go through the problem efficiently. This service marks an excellent business hotel.Brief Glance at Business Hotel’s Featureso Internet access, preferably free wireless broadband accesso Table and chairs for performing office worko Bright full spectrum lighting especially near tables, chairs, and beds.o Free local callso In-house notary serviceso Free long distance calling over the Interneto Room service that can provide hot food or coffee at a specified timeo Nice coffee shop in the lobbyo Quick turnaround dry cleaning, pressing, shoe shineo Beauty Salon with the ability to provide last minute services for business travelerso Barber shop with the ability to provide last minute services for business travelerso Massage serviceso Gym services that have accessible treadmills, weights, and aerobic classeso Quietness. Rooms that sound insulated.o Concierge desk with staff who know how to get things done and make credible recommendationso Restaurants that have business traveler tables where business travelers can meet each other when they are dining alone.

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The Promise of Technology is Intangible

Technology-enabled solutions are intangible sales. People don’t buy the machine; they buy what it enables. Average sales people tend to perceive technology as a tangible, so they focus on the functionality. Exceptional sales people understand that customers only care about the results the technology enables, which is intangible. This difference in perception about the nature of technology is the fundamental factor in determining a sales person’s success.Technology is the actualization of abstract theories. The more theories that are actualized, the more powerful the technology is. For example, there is a computer chip in my car that makes me a better driver. The computer chip senses the car beginning to skid on a patch of ice much faster than I can. It automatically sends messages to the anti-lock brake system so the car responds to the changing road conditions before I am even aware there may be a problem. This simple application is the actualization of theories that span the disciplines of physics, mechanical engineering, human perception, and computer software. It would take a long time to explain how it all worked. As a car buyer, however, I only care about the fact that it makes me a safer driver.The more sophisticated the technology is, the greater the abstraction. Selling abstractions is more than just relating benefits. It is about linking the functionality of the technology to the desired end result, which is the intangible promise of the technology. I can only appreciate the value of the car’s computer controlled anti-locking device when I understand how it improves my driving. If the sales person just explains anti-locking brakes, I don’t perceive the benefit. If she tells me that I will be a better driver, but doesn’t explain how, then I won’t believe her. She must help me understand the relationship between the how the technology is applied and the results that are important to me before I will value the technology.Selling the value of your technology. The translation of abstract theory into useful applications that deliver strategic benefits is the essence of selling value. Value is created when the customer believes the technology solution will help them accomplish their objectives. To develop the customer’s conviction you must integrate their learning process with their decision-making process.The sales person must provide the customer with the right information at the right time. Furthermore, it must be done in a way that increases the customer’s perception of need, urgency to buy and appreciation of the value contribution of the solution.The information puzzle gets even more complex as we incorporate the relentless rate of change associated with any technology solution. As the technology evolves and its applications expand, it becomes practically impossible to stay current and informed about the solution. The body of information that the sales person draws upon to sell a technology solution is constantly evolving. Products mutate. New technologies replace old ones. Competitors’ products change. Markets accelerate. Each change has multiple implications for how customers buy and the best ways to sell the solution.Keeping current about all the factors that influence a technology sale is not easy. It is hard enough to keep track of the ever-changing information. The fact that you must synthesize it into strategically sequenced, customer learning experiences that build credibility and value exponentially increases its complexity. No wonder the sales superstars make so much money!

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Avoid Being an Analog Communicator in a Digital World

Analog television is no more! Stations are now digital broadcasters. If you have an analog television you can no longer receive programming without a digital converter box, changing your television, or ordering a paid programming service. Most of you reading this are of an age where you probably had no analog television to begin with! Yet, you understand that you cannot communicate on a digital channel with an analog signal. You must communicate using the same channel-the same send-and-receive technology-whether you are electronic devices or human beings.Electronic devices communicate using specific communications protocols. The sending (transmitting) device must use the same communications protocol as the receiving (listening) device in order for messages to get through and be interpreted correctly. (And that is as detailed as I get with technology in this column.) People also use communications protocols. The message sender (you) must use the same communications protocol (language) as that which I use in order for me to receive and interpret your messages correctly. Language, however, is more complicated than electronic protocols. Many variables come into play when it comes to “speaking the same language”.The language to which I refer in this article involves the way we use our senses to process messages. Our senses are our communications channels. Each of us has our own primary channel through which we best receive and internalize messages. In various contexts these channels are referred to as learning styles, sensory receptors, neurolinguistic programming, or multiple intelligences. To communicate more clearly, determine the primary channel – visual (sight; eyes), auditory (sound; ears), or kinesthetic (touch; motion) – through which your message receiver processes messages. You can then transmit your message on that same channel to ensure the best reception.One of the ways in which to learn the primary communications channel a person uses to communicate effectively is through assessment instruments. These instruments ask questions about or make statements regarding how a person best communicates. The assessment-taker responds based on his or her preferences. A scoring system presents a “grade” that provides a reference for people to have a basis for understanding each other’s communications channels. Do an Internet search on “communication style assessments” and the result is over 553,000 entries linking to scientifically-based and pop psychology-based, fee-required and free assessments available to you. Consider this, though: How many times in the course of a normal day do you ask someone what their communication style may be before you talk or write to them? If you are like most of us…seldom if ever. So how do you figure out what another person’s best communications channel is in order to transmit to them using their signals?Listen to how THEY communicate! The words and gestures they use give you a good indication of their primary communication style and how best to communicate with them. Each of us responds best to certain types of words because these words “reach” the sensory receptor to which we best respond. Typically, when a person is primarily a visual communicator she thinks in pictures and “visual words” such as “see, appear, look, and inspect”. She uses visual words throughout her speech. When you hear them used frequently you can deduce she is a primarily-visual communicator. She interprets the written word better than the spoken word. Writing things down and sketching concepts ensures you effectively communicate with this person most often. An auditory person best communicates using “sound words” such as “hear, state, talk, and speak”. Repeat or rephrase your message verbally in order to effectively communicate with this person. He retains the spoken better than the written word. Someone who is kinesthetic best communicates using “feeling and texture words” such as “feel, grasp, and touch”. He retains information best through active hands-on-experiences and sensory triggers that involve taste and smell.As with any categorization or generalization involving people, communication channels are seldom “either / or” in any one person. We use all of our senses when we communicate and receive messages in all of these ways at one point in time or another. The signals we provide in the words we use represent our primary communications channels rather than our only channels. Listen for the types of words a person uses the most and those words indicate the most-effective means by which that person receives, translates (interprets), and retains (understands) what it is you have to communicate.The best way to communicate is to use a little of each type of wording to be sure you reach as many senses as possible. For example: an interviewer asks you to tell her how you handled a time when you were disappointed at an outcome. You lean forward and describe the following scenario. “Imagine a busy classroom environment with a cacophony of voices providing a continuous background of noise. Your body is tense with anticipation of the news; people shift around in their seats unable to sit still; a cell phone buzzes as it vibrates, jolting everyone’s attention to one area of the room. Suddenly someone moans in despair, ‘I just received the a message that I didn’t make the team!’ I realized-too late-that that someone was me. And this is how I handled the disappointment.” This scenario connects with the listener on many levels. Saying “imagine” means they must do so. You paint a picture of the scene (visual), describe sounds (auditory), and evoke feelings (kinesthetic). Continue with a story of how you handled the disappointment and you hold the interviewer captivated on multiple levels.Take the time to tune into other people’s channels and you can adjust how you communicate messages to best ensure they are heard and understood. Employ aspects of multiple channels for your most effective means of communicating.Reference: Additional words to consider using for each channel:Visual – analyze, clear, demonstrate, distinguish, examine, focus, horizon, illustrate, observe, outlook, perceive, perspective, picture, pinpoint, reveal, see, show, notice, view, vague, watch.Auditory – alarm, announce, articulate, ask, audible, compose, converse, discuss, earshot, enunciate, inquire, interview, listen, loud, mention, noise, pronounce, remark, report, ring, say, scream, shout, silence, sound, speechless, tell, tone, tune, voice.Kinesthetic – active, carry, concrete, emotional, feel, foundation, grasp, heated, hit, hold, impact, impress, irritate, motion, panic, pressure, rush, sensitive, shallow, sharpen, shock, solid, stress, support, tension, tired, touch, unbearable.

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Young Investers

Since youth are the dominant contributors to the Gross Domestic Product (GDP), they make a great difference to the economy. All the major concern center around young population. As compared to the past, today the individuals are more financially potential and independent and it is all because of steep rise in tertiary sector. Now-a-days spending a few bucks on coffee or on shopping has become a casual activity which was very rare some time ago. It is all because of changes in lifestyle and adoption of western culture not the youth of today hardly think of ‘savings’ for the future. There is a need to focus on the disability of savings despite the fact that there are insufficient earnings.There are just few things we should understand and minor changes we should bring to inculcate the habit of investment to bridge the gap between income and spending. One should know the sum of money earned in the form of salary and the avenues where this income is spent. Now what is salary? It is the amount working people take home after deducting the tax and contributions to EPF from gross income. This balance is also called net salary. Thus, to save you need to deduct expenses from salary.Analysing goals-
Goals are basically the personally set standards which one wants to achieve to reach the target. These are our milestones which can help in taking right decisions. Goals can be set for different time periods say-
a) For one or two years, called the short term goals. They require immediate attention.
b) For five or seven years, called the medium term goals. They give us time to wait and analyse things between investment period and return period.
c) For ten or fifteen years, called the long term goals. These are meant for retirement.Opting for a suitable investment plan-
Investment plan means channelising your money in the most efficient method. Since various plans are available in the market but only right plan can reap benefits in the future and for that an expert advise is highly appreciable. After selecting an appropriate plan start your investment considering the retirement because a small amount invested today can make your future bright.Investment planning is not a one time phenomenon but it needs to be received and readjusted according to the present need and trend to make investment successful. Thus, it is high time that the youth of our country should be made aware about the best investing options and its benefits for them in the long run. Also since the young generation is the representative of the present and future economic condition of the country so they should be driven by the right motive and prospective.1. Investment – A thoughtful task making investment is not an easy task so it requires a careful analysis of its pros and cons. You should know the purpose and need for using your hard earned income in the most profitable venture. Don’t be convinced by what your friends or neighbours or relative advice you to invest in because all have their own needs. Besides realising your need you should also be aware about the risk associated with investment plan. As it is said that more the risk, higher the chances of returns, so to earn more profit you should make careful decision about your risk taking ability. Let us consider a situation where we want to buy a bungalow in next seven-eight years so for that traditional method of investment would not be efficient rather we have to invest in stock or mutual funds for an additional advantage.2. Get insurance – Financial goals can only be fulfilled when one lives a healthy and secured life. You should not get a term plan which has a greater coverages and last till 75 years at least. It should also increase with increase in income. In case of change in job where insurance facilities are not available on increase in coverage becomes essential. At any stage of Life you can suffer from health problems so you should try to get the best facilities and the most efficient as well as reliable term plan. Investing in health or life insurance not only protect you but also your family from unpredictable circumstances. The young generation should set up an emergency fund that would benefit them in long run. Thus, the youth are not that young that they do not know how to increase their earnings or make better returns. They are responsible for their own expenses and with other demands or commitments in their pay check it becomes more important to do systematic investment planning at a young age to secure life after retirement.So, it is essential to invest in better and profitable plans to lesser the risk of losing money. Also for some people investment is a means of growth as it keeps up with inflation. By calculating your ROI you can get better idea about how well planned your investment is.ROI=Investment Gains/CostsSince investing is not an easy task and requires the help of an expert so for that you need to pay them fees but with your efforts and research you can minimize it. Even you have to pay taxes on investments made. So considering all the pros and cons of investment at a young age one can make provisions for the ins and outs of funds. It won’t be always successful but then one learns from one’s mistake and experiences.Making investments at the earliest has an additional advantage and that is devoting time because if you lose your site, you have the time to make up for the loss. It is advisable not to use your short-term money for investment purpose because you would not like to block your money during the time of need. Investing at the right time and in the right plan is your ladder towards becoming rich.CONCLUSIONThe young investors should invest in equity because it benefits them to fulfil their long-term goals. Also they should not ignore the risks associated with it. It is better to start a SIP on a mutual fund scheme if you do not want to invest directly in equities.

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The Advent of Digital Marketing

What are the defining traits of digital marketing?1. Cost: While the importance of traditional marketing is nearly nil, it is also evident that traditional media outlets – such as television, radio and newspapers ads – can be very expensive. However, utilizing and publishing search engine optimized article only costs time.2. Quantification: It is almost impossible to quantify the effects of traditional marketing. It is not possible to know how many people have come across an ad; the number of people interested in it is also impossible to quantify in traditional marketing. Even if a person invests in traditional marketing techniques, it is difficult to compare the investment with the return. This results in one’s inability to determine whether their marketing technique has worked or not. However, with digital marketing, it is very easy to monitor the traffic generated by your online ad, article or website.3. Visibility: A person can increase the visibility of their product locally with newspaper ads, television or radio. But, with all these new and improved gadgets at their disposal, everybody is on the internet these days. Therefore, it is only practical to market your products online to garner the public’s attention.4. Trust: Unlike traditional marketing, digital marketing is not a one way street. If a business is opting for digital marketing, then they are reaching out to their potential clients; they are also giving them the opportunity to put their questions forward. This helps build mutual trust in a company and ensures a strong company-client bond.5. Targeting: With traditional marketing techniques, it is nearly impossible to target a specific group of people as your audience. In turn, this may result in low sales of a product. Digital marketing gives a company the opportunity to do the same thing without any hassles.6. Taking a step towards the future of marketing: Traditional marketing has not lost its place, yet. However, it is widely known that digital marketing is the new face of future marketing strategy.
Although digital marketing is a futuristic approach to marketing, traditional marketing mediums such as television, radio and print media are still relevant.Therefore, it is advisable for a company that is choosing a marketing agency, to take note of a few facts. If the agency promises a balanced approach at marketing a product that keeps traditional and digital marketing in mind, then, you can rest assured that it is highly probable that this company will have a strategic and client specific marketing format that will be beneficial in the long run. Additionally, if a company has a HubSpot certified partner this is often beneficial for both parties. If the company is mindful about the client-company relationship and strives to maintain a good relationship, it is surely one of the prime options out there.

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