Choosing To Apply For A 0% Intro Rate Credit Card

May 28th, 2010 - 
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Choosing To Apply For A 0% Intro Rate Credit Card

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If youre of age and with a permanent source of income, maybe its time to own a credit card. If you havent ever considered owning a credit card, maybe its time to do so. There are a lot of good things that could be made possible simply by owning a credit card.

First, credit cards could be of utmost use in times of emergency and unplanned events. If your car breaks down and you dont have cash with you, the words credit card may never sound more beautiful to anyones ears than yours. If you find yourself accidentally breaking an expensive crystal vase in the mall and once again you dont have enough cash with you, guess what alone could help you if theres no one to lend you some money? Your credit card of course!

And those are just necessity-related-advantages of credit cards, mind you. We havent yet gotten to the best part of credit cards yet and thats how it allows us to indulge and pamper ourselves from time to time. Say, you just got out of a very bad relationship and you want to relax and enjoy yourself for a while after feeling down for so long. If you dont have enough money to make your plan to self-indulge possible, your credit card could always come to the rescue!

And of course theres the fact that credit cards let you shop for the more expensive things that you used to allow yourself to drool about only and never own! Well, guess what again? Owning a credit card would allow you not just to drool but own those things as well!

Convinced then? Good, because its now time to pick what type of credit card you should apply for.

There are just two main types of credit cards the type that offers reward and the type that doesnt. Well be picking one from the latter category to discuss and this type of credit card is called the 0% intro rate credit card. Sounds nice so far, right?

Well, a 0% intro rate credit card, as we mentioned, is a non-reward type of credit card so that means you dont get to earn reward points each time you utilize your credit card. On the other hand, you do get to enjoy 0% interest rate for all your purchases. Thats right all your purchases shant be charged with any interest whatsoever!

Whats the catch? Well, the 0% interest rate isnt a forever thing and once the time limit expires, you go back to the normal rates. The good news: if you have something expensive that you need to buy NOW then the 0% intro rate credit card is the optimum choice for you!

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0% APR Credit Cards

Why Aren’t You Using Freebies to Get More Customers?

November 29th, 2009 - 
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Don’t you just love a freebie? I know I do.

I’ve been in two situations recently as a customer, when I received an unexpected freebie. After ordering my usual bagel and coffee at the Bagel Bar,
the girl behind counter offered me a free bottle of mineral water. I was about to ask for a glass of water anyway, so this came as a welcome surprise.

A few days later found me buying a steak at the meat counter in my local supermarket. I was having a chat with the guy behind the counter about the fact that there didn’t seem to be too much meat for so much money.

He obviously took pity on my miserable face when he said – “Tell you what sir, why don’t you have this other steak for the same price” and he slapped another one on top!

So what’s the customer service lesson here? The lesson is that most customers, love a freebie and if they receive one from a supplier it builds a positive
relationship.

As customers, we’re more likely to return and do business with people who give us freebies and we’re more likely to tell other people about our positive experience.

I once read a story article about a restaurant owner who would occasionally give people a free meal. When a group of diners or a family asked for the bill he would spontaneously announce that on this occasion they were his guests and they didn’t have to pay for their meal.

Can you imagine how these people felt – what they said to friends and work colleagues the next day? That free meal probably cost the restaurant owner a lot less that advertising in the local newspaper and it also brought in a lot more new customers.

The Law of Reciprocity states that – “If you give someone something or do something for them – they will want to repay you – to give you something.”

Why don’t you think of some little unexpected freebie you can offer your customers that’ll encourage them to return and also tell others about their positive experience. And while we’re at it – why not try the same thing with
members of your staff. Even your personal relationships – a small unexpected gift or an act of kindness can do wonders for any relationship.

Believe me, once you start to do this, you’ll have many more satisfied customers, happy staff and appreciative friends.

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Freebies

Article Submission: How to make money from e-business

November 9th, 2009 - 
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Online business is most suited for producers and manufacturers. They can sell their products directly to their customers. Most important, online trading helps them eliminate middlemen to whom they shell out quite a few dollars in terms of commissions. They also save on delivery costs. The manufacturers can pass all these savings to their customers, who get to buy products at a price that is much less than the market price.

E-commerce sites not only increase business but also enhance visibility. They become an interaction point for manufacturers to receive feedback from their customers. This is why most manufacturers like to have a web presence. They not only generate a useful stream of income, but also come closer to their customers.

Online business also suits those who sell services like legal consultancy, tutoring, travel services, etc. The revenue generation in this case may be limited because services are not products to be stored and shipped on demand; they are a relationship-based trade.

However, any service enjoys two big advantages on the net. The first is reach. You are able to reach more number of people, and if you have a team of people you can work 24/7. The second is costs. It is much more economical to run a website than a physical office. However, to be successful you need to initiate a contact, establish credibility and prove the value of your service.

You can also sell goods manufactured by others, very much like physical retailers but with greater reach and less overhead costs. Since your costs are low you can charge less or run schemes that make the purchase of goods more attractive from your online store.

You can even make money by directing customers to the manufacturers site. This form of marketing which is known as affiliate marketing is especially popular on the web. It is a no-risk and no cost partnership and helps you make much needed dollars that you can then use to make your e-business grow.

If, however, you have slightly deep pockets you can start your own affiliate program. This means you encourage owners of other websites to route traffic to your website. In return, you pay them a small commission. You can even give them a percentage on sale of a product to encourage them more. As new affiliates join you and you train your existing affiliates your sales go up and so too your profits.

Another indirect source of revenue that opens up for you is advertising. Once your website earns credibility and has a large target market, advertisers may like to buy space on your website. This is another useful source of revenue that you may reinvest in your core e-business which is selling products or services.

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How to Make Money