Business Cards are typically small cards (that fit into the palm) and are used to hold business related company or individual information. A business card normally holds name, company/ profession or service name, contact info that includes addresses, telephone and fax numbers, email IDs and website URL. They are exchanged when people are introduced to one another. They serve to transmit information and act as a memory aid when persons want to remember or contact the business or individual. In earlier days, business cards have been sporting black colour font on a plain white background. But today’s business cards might have multiple colors and visuals to grab attention.

Typically they are printed out on card stocks with standard sizes. There are country-wise and locality based norms that determine card sizes in general. The weight of a card too is determined by the above parameters. Cards earlier used to have only one or two colours; but now with the advent of digital and batch printing in full swing, printing with all colors has become a cost effective option. There are different kinds of finishes that can be given including polished and matte laminates. Business cards can have a UV gloss coating for a glossy finish. A three dimensional effect can be imparted on the printed matter. The cards can be printed using typical printing machines or with digital copiers or digital presses. These cards software is available in plenty which can be used to produce business cards en-masse either at a printer’s or even at home. The tools provided with this kind of software include design, layout tools and text editors.

They also come in other formats like CD ROMs. With the current technological advancement these cards have come into vogue. They have a big advantage – they can hold huge amount of data and correspondingly a lot of information can be made available regarding the business or individual. They come in many shapes including square, circular or oval. They are similar in size to standard business cards. The CD-ROMs can fit into the 80 mm tray of a CD-ROM drive in a computer. They are compatible with most drives but not with drives that have slot loading. Though they can hold huge quantities of data and presentations about the business services they have not replaced the traditional business cards. These days many of the hand held computers like laptops, mobiles, palm tops etc are designed to transmit e business cards using wireless technology (like infra-red/ Bluetooth/ RFID). The recipient can then directly save this information on to his machine without the need to re type the same.

Many materials are used in the manufacture of these cards like paper, thick card, plastic or PVC which could be frosted and translucent, clear plastic, white plastic and metallic plastic. There are even cards made of unique materials like metallic cards, rubber cards, magnetic cards etc. Such materials are used when the company or individual is trying to advertise his business in a unique and attention grabbing manner.

Popular flyers are the business cards. Flyers became popular during the 1980s and 1990s. They are constantly evolving and a lot of creativity is coming into play.

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In the past few weeks I’ve had an influx of new clients and there appears to be a common trend amongst them. Fueled by the economic downturn people are realising the need to crank up their marketing efforts but they are looking OUTSIDE their businesses for new leads and sales. The truth is that people are leaving bags of untapped revenue on the table. They are not harvesting the opportunities that lay dormant within their current business.

 In this article I share my key credit-crunch busting tips for squeezing tons of untapped revenue out of your business even if you’re just starting out: –

1. Ensure Your Marketing Funnel Works

How are you handling new and existing leads? How is your marketing funnel working? Do you have an effective follow up sequence set in place or are people falling through the gaps? This is where you should be spending the majority of your time right now. Follow up is queen in this economy. Ensure that you are cultivating the relationships that you already have. These are the people who already know you, they may have bought from you before so will understand the value of your offerings.

2. Focus on Your Current Client Base

Begin harvesting the relationships that you’ve been cultivating in the past months and years. Acknowledge your community. Let them know that they are important to you. Make them feel special and thank them. Now is a good time to be utilising information marketing techniques. Be mindful of your clients needs and tailor everything you do to helping them fulfil them. Give away lots of meaty information; provide value and assistance that builds trust and confidence. Your clients do still have money to invest, but they need to understand the value of what you offer and be well informed to feel confident about making a purchase.

3. Design Special Pricing, Products and Programs

Begin by identifying the top 20% of your clients and the top 5% and start to create special pricing, products and programs that specifically cater to their needs. Ask your list and past clients what they need. Do a survey. What are they struggling with now? What are their obstacles? Think about ways that you can create both niche products and multiple offers at varying prices points that will fulfil those needs. A one price fits all business model will not work in this economy. Just remember, people STILL need your products and services, their challenges ARE still there. In fact, their situation is probably accentuated by the current economic climate. Be aware that if you don’t fill your clients needs they will look elsewhere. So it’s your job to be creative. Offer multi-level pricing for your services and offer information products at lower price points which act as the lead in to your higher priced products and programs.

4. Increase Customer Value

Don’t focus on getting more new people on your list unless you’re just starting out. Your focus should be on getting those you have to spend more with you. Your list will grow naturally when you’re seen to be doing well and your clients will refer you to others when you help them get results. People are most likely to buy from you when they have just made a purchase. Implement immediate upsells which will increase your customer value. Do your clients know that you offer other products and services? Are you upselling? Identify each customer touch point and ensure that you are upselling new and exciting products and services at each of these points.

WANT TO USE THIS ARTICLE IN YOUR EMAIL NEWSLETTER, WEBSITE OR BLOG? Feel free but may I ask that you include the resource box below in full. You are also welcome to use my photo.

About The Author: Victoria Player – The Marketing Coach is the founder of Innovation Coaching . She is also the author of the weekly publication ‘Magnetic Marketing Tips’. If you’re a coach, consultant or othe solo-preneur who’s struggling to attract paying clients and you want to learn inexpensive marketing techniques that will boost your business then take a look at her free tips now at:

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In this crazy fast forward world, several merchants are taking their businesses outside of the traditional store. Booksellers, crafty people, and even some whole names are going into kiosk sales. The very initial tool all of them purchase is the manual mastercard machine.
These instruments allow a seller to require orders from customers even while not the employment of electricity. They create the order method simple, and quick.
These machines work in two ways. One manner is to own the client place it face down over a specialized paper. The vendor than runs it through the machine, creating an imprint. The customer signs the paper, completing the transaction.
A methodology that has slowly been declining in popularity is for the client to fill out a mastercard slip by hand. This exposes all of their information. With the increase in identity theft, several customers are reluctant to grant this information to anyone.
Purchase processing isn’t the only tool used for a kiosk business. Those are running their business in a very facility that has electricity have more options. They’re ready to use a lot of accessories including electronic mastercard machines. One amongst the additional standard tools positioned, however, is that the laptop.
Having the ability to use a laptop for your business transactions makes it potential to run it a lot of efficiently. You will even able to create a client happier. If the place where you’re set up offers an Internet option, that is great. Then you will be ready to order items from your main store, if you’re extending your business.
Getting yourself noticed in a very busy mall or flea market can be daunting. If you are operating where there’s electricity, you have got an advantage. Take the opportunity to use bright signs to indicate off your location, Get as inventive as you’ll, to beat out alternative competition.
Get folks curious about your merchandise. Use bright displays to draw in their attention. It’s shown that most people who are in a mall, or different place with stand-alone stores are attracted to kiosks as a result of they saw one thing out of the corner of their eye. Use this reality to your advantage. If you’re selling a product that will one thing, have someone out there demonstrating it.
There are some risks to owning an open-air kiosk or cart. The largest fear most merchants face is stealing. You’ll be able to prevent this by taking a few cautionary measures.
If you are renting, most places can supply you a lock. Just in case, it is a good plan to form positive you’ve got one on hand. Some other common sense measures include not leaving your cart unattended. If you fully should be away, ask a close-by merchant to keep a watch on it. It’s most likely a better plan to have a lot of than one person working for this reason.
With all of these tips and tricks in hand, you will feel prepared to require on the mall kiosk. It’s perpetually a great plan to speak to an professional before starting any small business venture. There is a lot more to the business than choosing a manual mastercard machine.

Jerald Powell has been writing articles online for nearly 2 years now. Not only does this author specialize in Retail business
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You can start one of the smallest rug washing companies, and grow it into one the largest rug washing firms countrywide! There is not any limit to what you could do, working for yourself, and having others clean the carpets for you, after you first do it yourself.

Are you on the hunt for info related to credit cards for small business or other info somehow related to small business owner, or small business loans for minorities? If yes, this paper will give you beneficial revelations related to credit cards for small business and even somehow related to services and a sports massage that you will not have known about.

People from across the world can offer their services at keen rates and complete their jobs from the comfort of their homes. This doesn’t mean of course that professionalism suffers. It essentially means that thru your web Job, 2 parties can mutually benefit.

Many exporters have suffered heavy losses because they overlooked the proven fact that their products must meet the preferences and wants of the buyers in the target market. Although it is possible to change people’s preferences through advertising, it is far easier and less expensive to change the product or to find a market where the product meets wants.

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A home business that taps into this audience with a straightforward short promotional video could find its revenues increase enormously. And once more, the way in which the process works is fairly simple.Scheduling is a system for completing critical tasks before they become critical. A correct schedule contains a beginning, middle and end. It’s not a job list neither is it proper resource allocation, though  it can help with both. Creating a useful schedule and routine assures you align your business with your life, the folk you’re employed with, and the family and friends that you love.

A home business that connects right into this audience with a simple short promotional video may find its revenues increase incredibly. And once more, the way in which the process works is fairly easy.Scheduling is a system for completing vital jobs before they become critical. A proper schedule contains a beginning, middle and end. It isn’t a task list neither is it proper resource allocation, though  it can aid with both. Creating an effective schedule and routine assures you align your business with your life, the folks you’re employed with, and the loved ones that you love.

Many of us hunting for credit cards for small businessalso searched online for small business accounting software, smallbusinessfundingcompany, and even new small business credit cards,web marketing.

Many exporters have suffered heavy losses because they overlooked the proven fact that their products must meet the preferences and necessities of the buyers in the target audience. Although it is easy to change people’s preferences thru advertising, it is much easier and cheaper to modify the product or to get a market where the product meets necessities.

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Compliance, what is it, why is it so vitally important to your business, and how does it relate to Business Credit? Merriam-Webster’s dictionary defines compliance as: conformity in fulfilling official requirements. Think about that for a moment. Official Requirements. From time to time as the owner of a small business you have the need to borrow capital. Its uses could be many. For example; additional inventory, new space, newer equipment, computers, a new phone system, internet marketing or just maybe for an out and out emergency. The business could be relatively new or in existence for several years. It has been showing a profit so you feel quite confident in approaching a lender and requesting a business line of credit.

The process couldn’t be easier right? You feel confident and filled with expectation because whatever you needed the capital for can now be taken care of. In some cases you may have your business checking account with this lender and the lender is familiar with your business. A stressful and heavy burden has just been lifted off your shoulders. At last you can look forward to a good night’s sleep. When you finally receive your letter in the mail you open it only to read “We regret to inform you that your request for credit has been denied.” There is usually no explanation other than your business did not meet Business Credit lending criteria. The cold hard truth is that most businesses do not meet anywhere near the number of Compliances that are required. Why, because they do not know what is required. I can tell you this; most businesses are not in Compliance and I discover this quickly when I speak with a business owner on the phone. In point of fact lenders do not have to share what their lending criteria consists of or how they employ compliance formulas when determining what businesses get approved and what businesses do not.

Knowing what those Compliance requirements are and knowing that your business has met those requirements prior to applying for Business Credit is three fourths the battle. You wouldn’t take your SAT’s without having some clue as to what the questions would be right? Yet on a daily basis business owners do just that. They do not have a clue to the degree of information requested, collected, and verified about their business nor how it’s used for the sole purpose of making credit decisions about their business and because they do not know they put their business in total jeopardy. So if your business were to go through a Compliance Check today would it pass or would it become just another statistic like so many others in 2008, where approximately 1.15m small business were forced to close their doors forever because they could not obtain the capital they so desperately needed? Put the future of your business in the hands of a Business Credit specialist who is familiar with “Official Requirements” Compliances and knows precisely how to make sure your business passes Compliance in flying colors so you can obtain the kind of Business Credit your business needs to flourish.

Susan is a Senior Business Analyst for Silver State Business Builders and advises clients on Incorporation services and Business Credit. She can be reached at (877) 799-2677

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Based on statistics – an average American has four credit cards – people are dependent with their plastic for any and all of their expenditures. It is in this nature that non-cash payment methods are indeed a growing trend among consumers nowadays. And for a business to be competitive, it should present such a payment method to its clients. As a business, you would not want to pass up on opportunities to generate sales, and if having a card processing can be an avenue for sales, then have such a method in place. Setting up a cc processing for your business is actually an easy task to make, but the rewards are greater than what you would expect.

How to set up a processing services for your business.

The very first step to do will be to contact a merchant account provider to give you the options on the many processing methods. Each and every method is suitable for a particular business type, and to select the right one will be with the help of the merchant account provider. It is not merely about the card machine, but it is more about the processing solutions that your merchant account provider will afford your business. That is why; seeking the help of a company that is both competent and reliable is a major plus for your business. Various providers are available today, but be a very discerning in choosing the right company to trust.

There are various processing solutions available today, ranging from the easy to the most complex. And if you have by your side a company that can provide the right processing solution, customer service and after sales then setting up the right credit processing for your business will definitely be an easy task. Not all business is the same, for it requires varying types of cc processing solution. And to provide you with the best option is just a matter of choosing for the right merchant account provider.

Mega M ( is an experienced customer service driven company. We enable your company to obtain Credit Card Processing to help shape the infrastructure of your business.

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The basic piece of equipment most small retail operation will want is a terminal, that black box that sits next to the cash register and is connected to the card processor via phone line or Internet. Cards may be swiped or input manually and an optional debit PIN pad allows customers to enter their secret PIN for their debit card.

If you accept checks, you can also connect a check swipe reader that will scan the check through the check guarantee service of your choice and electronically deposits the funds into your account, saving trips to the bank. Connected to or part of the terminal is a receipt printer.

Instead of a terminal, you may elect to use a personal computer with a card swipe reader attached to it. Point-of-sale software installed on the computer will accept the input card and send it via internet or phone line for processing and authorization.

There are literally hundreds of POS systems available on the market, many industry-specific, such as for hotels or restaurants.

If you do not have or want a POS system, you can set up a “virtual terminal” on your PC by logging in to your credit card processor’s website and swiping or manually entering card information for authorization. Such sites usually also permit you to void, force and refund transactions or set up recurring transactions such as monthly health club memberships, automobile payments, etc.

Virtual processing usually also permits you to use you cell phone to get authorizations on the go, out in the field, and usually also offer a shopping cart that you can integrate into your company website for online purchases.

For businesses that deliver merchandise to customers, such as pizza shops, there is a new wireless terminal, most like a cell phone, that your drivers carry with them. At the customer’s home they swipe the customer’s card through this mobile terminal and get an authorization. This can represent a tremendous monthly savings over accepting orders over the phone at the store and manually keying in the customer’s credit card number. Remember, manually keyed-in cards are charged a higher Non-Qualified Rate because the fraud risk is higher when the card is not present and swiped. The mobile terminal does swipe the card and it is treated as a card-present transaction, at a much lower rate. Mobile terminals utilize Packet Radio Service or cell service and are very reliable. The driver carries a small printer on their belt to print receipts for the customer.

You can acquire equipment by outright purchase, or lease it. Each option has advantages, discuss them with your accountant. If you do lease, you don’t have to worry if the terminal breaks, just swap it for a new one. Some processors will provide you with a “free” terminal but you will usually end up paying higher transaction rates or other hidden fees. There is no free lunch.

James Hussher is a national Account Executive for Card Payment Solutions, a registered merchant services provider (MSP) for Wells Fargo and JPMorgan Chase banks. Contact James at, a site James maintains to inform his credit card merchant clients. Wherever you are in the USA, I offer a free analysis of your current merchant account statement. I will provide a report showing you exactly how much you are paying to accept cards in each tier, plus monthly fees; I will also propose the rates we can give you, for a clear side-by-side comparison.

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Whether it is matter of money lending or money burrowing in the present day business deals, everyone asks for credit cards, due to their easy acceptability and fast access. Such ways of transferring currency are valid worldwide and somewhere it is also known as foreign exchange. This article describes how we can have these cards in our life to recover us from the real debts of daily activities of life and also helps us understanding the real value of money.

These are simple plastic cards with unique code printed on the back side under black panel box and the unique numbers digitally pasted , which when scanned or entered into database show the full information about the card holder instantly. These are very delicate in use and the cardholder must strictly comply with the National Foreign Exchange regulations issued by respective headquarters and must follow it properly with presence of mind.

These can be use in different purposes in our daily life style such as we can use for shopping directly from any local store or an online store using e-shop methods. Not only has this but you can have great advantages of them in some emergencies, such as paying your bills, to fill the fuel tank of your car etc. They are very much handy for students and teenagers who always spend their pocket money early but when paying their school or college fee or purchase books they can help them a lot. They can be very helpful to meet almost any emergency but never forget to use them wisely as interest rate charged on them is quite high. If not repaid back on time, they can become a big mess at the end.

Another great advantage is, usually in festive season like Authortmas and New Year you may have several lucrative offers and discounts on every transaction made from them. At the end of every month, you will be provided with monthly statements for your card with every detail, such as time of purchase, items, quantities etc. so you can easily keep track of your activities. You as a user today have a variety of choices in selecting an appropriate card as per your needs and requirements. While selecting any card you must check some details like reputation of card issuing bank and their services. You must select the one which offers latest techno products at low costs, such as online payments, loss/damage recover on new items purchased and also that provides points which can be redeemed for cash purposes or airline ticketing.

The most effective on the above is the credit report in which the user has to be on the safer side by providing early payments by clearing all the bills before the bill cycling date. This at one hand keeps the burden off of your head, while at other makes a clear dignity in the bank’s policy for which they provide customers with various kinds of schemes and sometimes free offers also.

Author enjoys writing articles on topics like bad credit credit cards and credit cards with 0 interest. Visit to read more detail.

Credit Crunch report on NBC Nightly News. Can you believe people use credit cards to pay the minimum payments on other credit cards! We are in for some major…

Choose a particular pursuit you adore closely and turn it into a home business. A large amount of people make the intense mistake of following the tide and trying to earn income the exact same way people are making it. Take for instance a person’s passion for music. You can very easily open a tiny music store that may be a regular supplier of new and old music.

I’m completely sure your hunt for loans small business has come to a close as you read this article. Yes, gone are those days when we must search consistently for loans small business info or other such info like small business credit card,capital, free sample business plans or perhaps att small business web hosting.

You can begin with a little janitorial size, carpet reconditioning machine that you can load, right into your truck, van, or even automobile, and start cleaning carpets immediately. If you want to learn some rug maintenance basics, prior to going it alone, you could simply find a job with a rug washing company, and work there for a couple of weeks, cleaning carpets, and learning some trade secrets you can put into your own business later.

Without a correct scheduling system and routine many entrepreneurs will experience overmaster and burn out. Many a comradeship, relationship, and wedding have been negatively impacted by a business person that was unable to balance work load with private relationships.

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Many exporters have suffered heavy losses because they overlooked the undeniable fact that their products must meet the preferences and wants of the buyers in the target audience. Although it is actually possible to change people’s preferences thru advertising, it is far easier and cheaper to modify the product or to discover a market where the product meets wants.

Remember, advertising is an investment. It isn’t meant as a make money fast venture. Even if you publicized in a paper with 1,000,000 and readers, your ad is not going to deliver enormous overnight results. People having an interest in this type of advertising can see great success but the plan must be budgeted effectively and considered a longer term system.

We discovered that many people who were also hunting for info related to loans small businessalso searched online for related information like small business owner, commercial insurance, and even business week small business magazine,business advisors.

Remember, advertising is an investment. It is never meant as a make money fast venture. Even if you publicized in a newspaper with 1,000,000 plus readers, your ad isn’t going to deliver huge overnight results. People having an interest in this kind of advertising can see great success but the plan should be budgeted effectively and considered a long term strategy.

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There is a form of business financing that is debt-free, with no loss of ownership or control.  It is very quick and still readily available.  It is the only form of finance that grows as fast as invoices.  There is no minimum time in business or collateral requirement.  The client’s personal or company credit is usually not important.  Prior liens are usually not a problem, so long as they’re disclosed up front.  (Factors don’t like surprises.  A deal that could have worked will probably die if the factor’s due diligence turns up undisclosed liens.)

This form of finance is called factoring.  Say your company (the client) provides a product or service to a customer, then issues an invoice for those goods or services.  The customer frequently takes 30-90 days to pay the invoice.  Rather than wait, the client can sell the invoice to a third party, called a factor.  The factor will verify that the invoice is valid and that the customer has the willingness and the ability to pay.

The factor will pay for the invoice in two parts.  Initially, he will pay the client an advance of typically 70-80% of the face value of the invoice.  This usually takes less than 48 hours.  When the customer pays, the factor will deduct a fee, and refund the balance to the client.  This fee is mostly affected by the time the invoice is outstanding.

There are numerous advantages to factoring for a client company.  The most obvious one is that cash flow improves immediately.   Factors also provide other benefits as part of their normal business, such as handling collections and tracking accounts receivable.  A factor can provide quality assurance when they verify that the customer received the product.  Another benefit is that a factor will verify a customers’ credit before advancing funds.  If you’re looking to do business with a new customer, but the factor won’t fund their invoices, you will want to be very careful about the terms you offer them.

Factoring rates tend to be higher than bank rates, but when considering costs it’s important to consider the benefits as well.  Having cash on hand to bid more work or take advantage of supplier discounts can make a huge difference. The objective is to make more money by factoring than you would if you didn’t factor.

Factoring has changed a great deal over the last ten years.  There are 5-10 times as many funding sources now as there were then, so rates and terms are much more competitive.  There are factors for invoice volumes of $ 500/month to over $ 10 million/month.  There are factors of all sizes who specialize in the construction and medical industries.

Because there are so many funding sources, your best bet is to use an independent broker. Most brokers don’t charge any client fees.  They are paid referral fees by the funding sources because the funding sources are wonderful people (many of them are very nice, actually)  and because it’s less expensive for them than advertising.  There is very little difference in referral fee rates between different funding sources, so finding the best match between the needs of the client and the funding source is the primary concern.

Mike Curtin
MSC Funding

College Students Buried in Credit Card Debt

Justin Mendoza reports on college students overwhelmed with debt.


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