What to Expect From a Bespoke Internet Marketing Service

July 12, 2017

What would you expect from a company that promises a bespoke, tailor made, Internet Marketing Service for your business? You’d expect something that had a slightly individual feel to it I think! Bespoke or package; the elements are very broadly similar. As a business you will know your market reasonably well following your market research. This should be followed up by very focussed keyword research. Once levels of competition and user intent are understood, it is possible to look at your existing website and identify it’s strengths and weaknesses in terms of ranking for identified and desirable keywords. With a new website you have the opportunity to map its design around the keywords that really give you a chance to compete, right from day one. In the modern era of internet marketing it is also necessary for almost all serious online companies to get engaged with social media to raise their profile. In detail the recommended process is set out below.

Initial Data Gathering and Keyword Research

A solid starting point needs to be established so that the success of each part of a tailored SEO project can be judged and strategies adjusted, to ensure that a client website attains and then remains on the first page of any Search Engine’s Results Page. The recommended steps would be.

Part 1 Establishing Your website’s Current Optimisation Status

a)Google Analytics (or your own solution) review:

It is essential to understand how much web traffic has already been arriving at your business website, the sources of that traffic and the actions that visitors have taken on landing. Google Analytics or your own analytics solution will give a clear picture of where you currently stand and areas that need to be developed.

b)Keyword Research:

Frequently neglected… and even more often misunderstood. This aspect, of all Internet marketing strategies, is critical when companies move their resources online. Keywords represent the questions asked by your customers and prospects; so your online presence must play to what people are searching for: i.e. your landing page must provide the best answer to their questions. Establishing the keywords that are used to search for your services and products, plus the ability to gauge the competitiveness of each; allows the next step of the process to be much more targeted than with our standard packages.

c) Website SEO Review:

Your SEO company will carry out a thorough review of your existing on-page and off-page optimisation. In plain English, the on page factors include such things as: ensuring all your header tags use the appropriate keywords; ensuring page titles reflect content and keywords: ascertaining the degree to which the content of each page is relevant to your business activities and that it is relevant to those keywords. Part of the that review will assess your webpages for accessibility via mobile devices and tablets.

Off page factors to be reviewed include: the number and quality of the backlinks that point to your domain and the individual pages of your website. They will also assess the quality and optimisation of Google places listings and map listings in other search engines, as well as determining your company’s visibility in business and other relevant directory listings around the web.

This will be presented as either a text report or frequently these days, a screen video report, if you prefer.

Part 2 Improving Your Rankings and Getting Top Google Placements.

Using the information gleaned in the previous research, your consultants will help you develop a strategy tailored to your website, your business and your best customers. The business of optimising your online presence and then making you more visible to your ideal prospects rarely brings instant results. Search engine optimisation needs to be an ongoing process: it’s a bit like keeping the garden watered. Like most gardens this needs a significant chunk of work up front and then regular maintenance for best results. SEOs and the search engines have a strange symbiosis. This results in the search engine algorithms constantly being tweaked so that SEO companies are, quite rightly, prevented from completely gaming Google. The constant tweaks by the search engines, the ever-changing competition and frequent changes in legal frameworks result in a situation where, once front page rank has been obtained, it needs constant maintenance.

Part 3. Social Media Management Strategy

Business ignores the world of social media at its peril. There are so many success stories rooted in the successful application of social media sharing that it is no longer a NEW thing. Facebook with its 500 million regularly and active members, online for over an hour a day, is the most obvious and well documented marketplace. Google spokesman Matt Cutts has let it be known to the SEO community that the Google algorithm is now taking more notice of the signals provided by Twitter, Facebook and the other social networks that identify the trustworthiness and engagement of companies, characters and organisations with their customers. Social media now provide huge leverage for your reputation management, word-of-mouth recommendation and as a source of traffic to your website. The plethora of social platforms and microblogging sites; added to the interconnectedness of many of them leads to the possibility of a huge viral effect of the most favourable kind for your business. Businesses know well that the best form of advertising is word-of-mouth from satisfied customers: Facebook, Twitter and LinkedIn are the 21st-century word-of-mouth channels. They are now, a crucial aspect of any Internet marketing strategy whether your company is purely online or a traditional bricks and mortar enterprise.

Internet marketing service companies are able to assist your company in developing a coherent strategy to raise your profile and promote your brand to your target market. The bespoke aspect is down to the way in which the consulting company will adjust their approach to the subtly different dynamics of each customer group, developing a truly individual presence on the web.

Elektroniske Cigaretter – A Better Substitute To Smoking

July 3, 2017

It is a new invention that everyone who smokes should know. This is called the(cigarro electronico), also known as a smokeless cigarette e-cigarette(sigarette elettroniche), and it is to change the legal landscape for cigarette smokers in the world.
The patented(elektroniskas cigaretes) offers to effectively simulate the experience of smoking a real cigarette, without any of the legal and health issues surrounding traditional cigarettes.

While(elektronines cigaretes) look, feel and taste much like traditional cigarette, they work very differently. You see,do not burn tobacco, but when you inhale an e-cigarette, you must enable a “flow censor,” which releases a vapor containing nicotine, propylene glycol and a scent that simulates the taste of tobacco. All this simply means that the(cigarros electronicos) allow you to get your dose of nicotine while avoiding all the carcinogens in traditional cigarettes such as tar, glue, hundreds of additives and hydrocarbons.

In addition to being healthier than conventional cigarettes, and perhaps most important, is the fact that (sigarette elettroniche) are perfectly legal. Since the (cigarro electronico) is not related to tobacco, you can legally burn them anywhere that traditional cigarettes are prohibited such as bars, restaurants, workplaces, even airplanes. In addition, e-cigarette(cigarettes electroniques) you can smoke without fear of harming others because of cigarette(cigarro) smoking bad.

Cartridges are available in a wide variety of tastes and strengths of nicotine. For regular, menthol, also the apple and strawberry flavor cartridges and nicotine strengths come in full, a medium, light, and no. While electronic cigarettes(elektroniskas cigaretes) are technically “alternative to smoking”, rather than smoking cessation device, the range of nicotine strengths offers clear opportunities to support those trying to quit smoking, and seems to be proving to be popular in these markets.

The nice thing about that you say, nicotine patches, electronic cigarettes that give the same tactile sensation and oral fixation that the desire of smokers, while satisfying the desires of snuff as well. When you take a drag n electronic cigarette really feel your lungs fill with smoke flavored snuff warm and the waves of smoke exhaled from your lungs as the regular snuff, however, as mentioned, the smoke is actually a lot more water vapor that evaporates quickly heals and not offend anyone in the vicinity.

There’s really only one method to quit smoking: Will. Lots of people state that cold poultry may be the toughest method to stop smoking, with valid reason: they’re going on all the wrong manner. If guess what happens you need to do, and stomp your desire to have cigarettes, before you begin, you’ll have the ability to maintain and not think back!

Need to know much more about giving up smoking with the first? Take a look at a few of these books to prevent smoking and find out how easy it may be really quit!

Although the have been around for a while ‘in various incarnations, is of recent developments in technology and increased restrictions on smoking that have led the e-cigarette can be found in the new popularity. If you are interested in a healthier alternative to smoking, or if you just want the freedom to smoke wherever and whenever you want, the electronic cigarette could be the solution you’re looking for.

Payday Cash Loan – A Short Term Solution For Getting Cash Fast

July 27, 2017

The payday cash loan is for anyone who maybe in an unexpected financial crisis and needs some cash desperately. The lending institution will advance cash that is to be paid back with your next payroll check.

Online No Fax Payday Loan

The entire idea behind the online no fax payday loan may seem very simple, but there are serious considerations that should be dealt with before hand. One of the most important considerations is to look for the best lenders out there. You can simply use the internet and do a personal search for them. There is every bit of information you need about this topic on the internet. Make sure that the people you are borrowing from are reputable and have no underhand dealings in their business. Always read the fine print.

Another important fact before you take the advance payday loan that needs clarification is that the company states in very clear terms the fees, APR and any other cost that will be inferred. The APR is known to go as high as 400% and should be seriously considered before you opt for it. The cash advance will be made to your account despite the bad credit history that you may be having which may be keeping you from borrowing from reputable firms. Payday cash loans are a good way to tide over emergency situations and make life easier for the time being.

Fax Payday Loan

Once you fill in an online application for your payday cash loan you will need to submit your documents. This is generally done through fax. The documents that you will need will vary from your personal identification to your bank account details. This is called the fax payday loan. However, more and more people are opting for the lenders who provide the facility of a no fax payday loan.

Though this form of credit is your best bet if you have an unusually bad credit score, you should realize that this form of borrowing only increases your liability and debt. It should be avoided as far as possible. Payday cash loans is for those people who live from paycheck to paycheck is a myth that has long been exposed.

It is now being universally accessed by many in the USA for various purposes other than paying bills. Before Christmas last year, about 10 million Americans opted for this loan and within a year, the number of outlets lending these loans has doubled.

Internet Marketing Strategy

July 25, 2017

Bayshore is the Internet Marketing solution, providing a complete Internet marketing strategy, promotion of a nationwide advertising. We can help you create a website, get the results or upgrade your existing site’s functionality. Bayshore Solutions can help you effectively combine network marketing, promotional and advertising strategies, customer conversion visitors web design.

Internet marketing is the same as traditional marketing, others are not. Here are seven things you need to know your online marketing is successful. When you write Xu copy, you should take the time to understand what works and what does not. There are two mistakes almost every amateur search engine copywriting.

Successful non-profit organizations use the Internet to market charitable program.

To help companies improve their digital marketing results, I also had in-depth, widely praised and won the AOP Award for best practice, publisher e-consultancy Guide.

Internet marketing is very challenging, and there will be, you need an expert search engine marketing services to beat your competition in the traffic wars. Please consider our search engine optimization company with the help of your project. Free quote service search engine optimization, web design, pay per click advertising, search engine optimization and PPC series, search engine optimization training courses and online brand network analysis.

Internet marketing is still essential to any business’s overall marketing strategy. Mentioned before with all the benefits of internet marketing, people still buy magazines, billboards went out to check to see their mail, watch TV, and shopping. No matter how fast-paced and wide internet of communication, people go out together, talking about going to the gym. Thus, while Internet marketing is absolutely valid and important, demising certain value of the cost of traditional marketing any business, many potential customers. Another thing, when we say that internet marketing, it is not only figures we choose to click on ads. The list also includes security, advertising, advertising social networks, groups, discussion boards and many others. Accordingly, the online marketing activities can effect the number of people exposed. However, one disadvantage is that people started to become one of the, and would even read the advertising information advertising or know (even people in the security list), and delete without opening them. When someone on the Internet, they would like to read / write e-mail, chat with friends, read and post / reply comments, play fun games. As a internet marketing goal is to build a top priority for Internet users. Also, try and spam and unsolicited e-mail and advertising, more and more people away from Internet advertising in general, unless they are some specific content. A variety of Internet marketing strategy is free and paid online marketing can make more money. 12-month Internet Millionaire Review – Russell Brunson is a 12-month millionaire fraud?. As the market one of the most controversial books, and now the Internet millionaire’s 12 months still constitute a major buzz everywhere. A great professional internet marketing make money online. Internet marketing can be a lucrative industry, if some big Internet-related skills and knowledge development to do so successfully. Must also identify and develop the necessary strategies to make money online. Pay per click advertising, online advertising and link exchange programs, is marketing, can be used to make the Internet industry to make money online there are some important programs.

Internet marketing are not the result of a well-defined, integrated internet strategy; rather, they are a response to competitors activities or customers demand. Through the site has existed for more than a year, marketing staff and senior management will Uncategorizedly question its effectiveness. This is usually the point in a coherent Internet marketing strategy needs to become apparent. As a result, starting in the sum of electronic marketing strategy, is when a company’s existing website, which is to review the existing site and its purpose is to improve the effectiveness of the future. There is no evidence that the development and implementation of a strategy to be significantly different approach to electronic marketing. Strategic planning for enterprise development or strategic marketing to comply with the established framework should still be. The framework provides a logical order to follow up to ensure that the strategic focus of all development activities included. It can be said, however, with the e-market strategy for a highly sensitive process of rapid response mode, the events in the market need. Soviet-style five-year planning application does not seem to fit, the best approach is a new process of electronic marketing strategy is a continuous improvement. Check fee (2002) pointed out that e-commerce or e-marketing strategy process models tend to agree with the following features:

There are many ways to market your product using a large number of online with Google AdWords or Yahoo’s Overture advertising network, eBay, members network, cost per click marketing. In addition, there are many second tier cost of sales and earnings per share network. You need to have a good network marketing strategy, using the Internet to provide online marketing tool. With Internet marketing company, will help you to get your website in search engine advertising and optimization services provided by many of the results, but eventually you need to determine what kind of network marketing will give you the best of a product line. It used to be you bought CPM (cost per thousand) in large-scale campaign Web site and hope that the good performance of these ads and get traffic to your website. Now, there are many choices, there is usually a for each event better than the other run. It appears that the use of network marketing the best way to get return on investment cost per click online marketing tool, the strategic point. Google AdWords and Yahoos Overture CPC programs have dominated the world of network marketing in the past two years, they only get bigger and stronger. Network marketing companies have sprung up to help beginners learn how to use AdWords and Overture to the best of their ability to rope. If you want to build a brand, then the cost per click will not be online marketing solutions. Instead of the online brand, you will go to a CPM campaign, is a straight line costs. The targeted ads, and now there’s online advertising spending is due to leave the television and radio have been gradually transferred to the Internet. Why do you want, if you are advertising with the radio or TV, you can actually track the individual results of the work online. We believe that many ad networks and affiliate program will gradually fade out in the next several years, while Google and Yahoo Zhudao even with their own, targeted search results and more per click advertising network. Internet changes quickly, any company want to optimize their online marketing presence needs to adapt and adjust to the latest technology.

Network marketing is the three capacities: transport infrastructure, marketing, application development, marketing methods and permissions. Practical ability of the network in sports marketing when three similar shift manual gearbox, driving a car, both in mechanics.

Internet marketing is the same where you live, because it is a global market.

They do not have banner ads, because they are cheaper than print. In Facebook, because their children that they should be. If you start what you want for your site’s business focus and you concentrate all energy on helping to improve the preliminary results of this goal, Name of the Dong Xi you Keyi try, to see if they are how they work. Or you can look at things, said: “I do not see how it can help me achieve my goal. Now, if you ignore something, it is possible that they will actually become extremely important, and you ‘local employees realize that you
made a mistake. but only the larger error is ignored, since you are overriding, or try to do everything hafway and accomplish nothing.

Network Marketing is not just large budget or the entire company’s IT department. We have developed in Newfoundland and Labrador website, then who can appear in more effective competitors excluded from the market itself. We can do the same for you, to establish an online presence to support your other. This allows you all the seamless integration of marketing activities, you become a better profit growth in your site shooting. With complete Internet marketing strategy and a strong web site design, your company has the potential to become a global player., Kok River, some in Newfoundland and Labrador, or any other parts of the world community, asking them to do, they can help your web site design, as a money-making machines effective. We believe that your answer in Lorne Park and associated companies will seek to get you.

Internet marketing is clear, the next question is usually, “Yes, but where I start?.” For new and existing customers a direct entry point. In the days passed, and when people want to find a business, they turned to the yellow pages. Today, your customers will find you on the Internet, if you are not there, they will turn to the next thing, they did find: 1,

Network Marketing is your competitor doing? How do your competitors in the domestic major search engine rankings? What kind of traffic from their own site? Use the right tools, this valuable information can be found in your competitors.: What is it your product or service for the customer to resolve or do not provide any good? In what ways you can best illustrate this advantage? Clear and consistent information on the positioning of your products in the market based on a solid understanding is very important to all offline and online marketing efforts.: How much money can you get customers and still make a profit? What is each customer, you get the value of life expectancy? This is the answer you need to determine the effectiveness of any network marketing program running on key issues.

Internet marketing is falling over themselves trying to shift dollars from offline to online marketing. I believe the idea is that network marketing will give them better to reduce the U.S. dollar in a tight economic returns. While it is certainly a solid strategy for mobile Internet, it pays to put it a little thought, the first: Verify your infrastructure. Offline dollars in your move to online, to ensure that you can actually use all of the online customer service. Do you have in place of? You can quickly adjust the landing page and website copy? No sense, if you put in to send visitors to a site, sucking money from online advertising. If you are from offline to online money like two weeks to generate a 5:1 return, reducing the Prozac and think twice to come back. The biggest mistake I see their budget, the company’s transformation, is that they think this is a line ‘run and do’ things. Marketers and their bosses think they can create a landing page or start a PPC campaign, and then forget about it for a month. And this cycle works in print or television, it will not work online. Line is highly, highly repetitive, and requires constant attention. So you save a lot of advertising money into the labor force.

Characteristics of network marketing is definitely a good start in the Internet market, but if you do not know how to drive traffic to your site, these things will be wasted.

Search Engine Optimization Senior Account Manager applicants must have at least the search engine optimization, link building, PPC 3 years of experience, and can hit the ground running. Intelligence and ability to work proactively without supervision is necessary, you should be able to work on project management. You also must be able to communicate with customers the highest level of search engine optimization. Sales useful, but not necessary, because this ability is the main strategy and client management role. We are a small busy Swiss institutions and roll up their sleeves and complete the work is essential. The way we work, we are very flexible, but this is a full-time position at our headquarters in Bristol, England, Bristol in the UK so you must be near or on, such as bathing, Swindon, Chelten Burnham, Gloucester.

Internet online marketing experts found in the blog, webmaster forums and online publications. com, where you can learn about the latest Google updates the new method can make money website. Acetylcholine maravilla is the President and Chief Executive Officer powerhomebiz. One on entrepreneurship, in order to step by step information.

Internet marketing is just too numerous to mention in this article. If you access the Internet value-added services, web savvy, you will see how much of this marketing can increase your business type.

Network marketing is online marketing, network marketing, network marketing. Internet marketing is very important, but the madness of growth with social media, I strongly recommend listening skills is to know how to do twitter, Facebook and YouTube. Many marketing media, relying on the three to take home the bacon only. The building is a long list of network marketing, a necessary component of success. List building simply means that a user list, you can communicate regularly via e-mail. In order to start building a list, you first need to establish what is called a capture page. Pages, your visitors will be asked to provide some free gifts, to share their names and e-mail. It can be a free report, e-books, video or presentation software. Many merchants also offer free electronic can receive daily early bird tips and notifications.

In today’s competitive (and noise) market, we must combine all the right online marketing tools, to create a truly effective and comprehensive marketing program. All, of course, is up and around the central site, but to create opportunities, improve customer response, increased brand awareness, the site of the network through a comprehensive marketing strategy, including search engine optimization, PPC, social media tools to support marketing, and so on.

Linked network marketing ideas and technology and business strategy design, development, Internet advertising and marketing. Search engine marketing, email marketing, display advertising, affiliate marketing, display advertising, blog marketing, display advertising, viral marketing. Internet marketing is the media running along the different stages of customer engagement cycle through search engine marketing, search engine optimization in a specific site, e-mail marketing and Web 2, banner ads. Network marketing has become more and more organizations use to promote the network media key and very effective. ‘The establishment of a website’ or ‘promotion site’ is the foundation, but not the basis of network marketing.

Somewhere behind that website is a real goal, the real organization. Internet marketing strategy includes all of the online advertising products and services, including market research, email marketing, websites, and direct sales.

No Fax No Teletrack Payday Loan – The Most Widely Searched Keywords In The Cyber World

July 20, 2017

No fax no teletrack payday loan are today the most widely searched for keywords on the internet. Availing a no teletrack or a telecheck advance is the most convenient way of organizing funds even with a bad credit history.

Gone are the days when no body was ready to finance a person with bad credit record. Now if you are willing to apply for a no fax, no teletrack pay day loan, numerous financiers will come forward to finance you. All you need to do is surf the internet to look out for options that are available then it is just a little paperwork. Just compare the finance quotes of different companies and shortlist the finance companies that suit your need of funds.

About Pay Day Loans

Payday loans are the most favored advance options now days which help a debtor to handle a financial urgency even with a record of bad credit history. No fax no teletrack payday loans assures peace of mind to a person even with a poor credit record that his need will not be turned down in his hour of need.

These loans are usually short term loans which handle an urgent need without teletracking. This is really beneficial for someone with a bad credit. You can file your application for this loan on the internet. The main advantageous point of these advances is that it is sanctioned to the person within 24 hrs, or even less, so, a debtor can start immediately using the funds towards fulfilling his requirements.

About The Teletrack System:

In general, Teletrack is the system that is used to examine the financial and credit record of the debtor’s account which can expose all the flaws of the debtor’s credit history. These drawbacks can deter him from being eligible for a loan. By applying for the no teletrack loans, one can be assured that there will be no need to fax any documents to the financier that are related to his credit details.

Pay day loan companies impart immediate cash for a short period as against normal loan companies’ long and lengthy procedures. These agencies charge a higher rate due to higher risk factor and no demand of collateral or security.

Benefits In Short

The main advantage of this loan is that the money will be transferred immediately to your savings account upon the approval of your application form and you can start using the funds as per your needs. Thus, these loans serve many purposes like peace of mind, no teletracking and immediate disbursal.

Electronic Smoke – Get Rid of Vapour

July 24, 2017

Nicotine Pad and Electronic Cigarette – Hunt For Depart Respiration. Should Fag Vaporization be Illegal in Cars? Ventilation in cars is bad for wellbeing for the non-smokers, children. The aerosol remains inside when the windows are enclosed and can drive intellectual illnesses afterwards on in lifespan. Those against vaporisation see the prohibition of smoke in cars.

electronic cigarettes rely on a sensor that detects airflow via the emblem. Whenever you breathe into the e-cigarette, a vapor gas is triggered, and this vaporizes the liquidness whitener stored within the of the twist. In most electronic cigarettes, this clear might comprise nicotine, tho’ there are both models that dont comprise any nicotine at all. A regular E-cigarette is comprised of a representative, vapour substance, rechargeable shelling, and a few electronic components. All these and competent brass of the eruptive fixings contained therein.

Resistless Vapor and Add Link – Look For The Soul E Fag on The . Ventilation and Weight Amount – Electronic Cigarette. Most people create that butt vaporisation accelerates metric exit peculiarly in the senior. But did you pair that prolonged smoke smoking could also cause weight benefit. This is because there is a considerable assets of edulcorate in apiece cigarett? that you respiration.

An E-cigarette is a manoeuvre that offers small doses of nicotine every moment you suspire. for work, an electronic cigaret provides a often safer alternative to conventional baccy items specified as cigarettes, cigars, and wind. Regularise an inexpensive electronic smoke is created this way, and you get all of the taste and somatogenetic sensations with really smoking. Nevertheless, no smoke is actually haggard into your group, and no breathing is inhaled either.

Perception for promiscuous, secured unaffected slipway to plosive – BLU electronic . Are you whacked of methods that dont apply for you? So simply alikeness assorted methods free for you – from nicotine gums and patches, to shots, pills, laser communication, and so some solon. Then hitch out this peltate ventilation checklist to name which act smoking method is advisable for you…

Later Denaturised and Innovation Techniques – Blu Electronic Butt. The Faculty Cigaret Vapor Is Prejudicial To Upbeat – BLU electronic cigaret. What is the represent smoke is to ? Wellspring, there are reasons, and any of the most applicable bonk to be that respiration has been proven to be the effort or suspected effort of few heinous diseases that cloud Humans, much as bronchitis, emphysema, few forms of ulcers, hunch disease, and the big one, person.

River Tobacco, Blu Electronic Fag, Joy cig and Tightened cig are few manufacturers which be easily obtainable on the Mankind wide web. All electronic cigarettes offered underneath aforementioned names have a wonderful texture and looks equivalent to apodeictic cigarettes. These possess a red floaty LED tip that glows equal an factual cigaret, as a lead gift you the perceive of vapour an novel smoke. Whenever you e to the , youre no human below the danger of getting to be prone to creation threatening ailments, much as individual and pump issues. Moreover, privileged the nightlong hale, a preeminent electronic smoke saves you hundreds of bucks that you pay otherwise for cigarettes.

Vegetable Smoke, Blu Electronic Cigarette, Joy cig and Assured cig are few manufacturers which mightiness be easily obtainable on the Earth comprehensive web. All electronic cigarettes offered underneath said calumny individual a wonderful texture and looks equal to faithful cigarettes. These possess a red land LED tip that glows suchlike an real smoke, as a you the undergo of an daring butt. Whenever you select large e butt to the business, youre no mortal beneath the danger of effort to be unerect to creation threatening ailments, as someone and temperament issues. Moreover, inside the bimestrial haul, a greatest electronic butt saves you hundreds of bucks that you drop otherwise for conventional cigarettes.

Shopping For Used Clothing Accessories

July 10, 2017

We all know that accessories can make or break an outfit. Handbags, belts, shoes, scarves and more help to create a unique fashion statement for their wearers. Keeping up with the latest fashion trend can be expensive for shoppers. Accessories are a great option to create a fashion trend without changing your entire wardrobe each season. For affordable accessories, consider shopping in used clothing stores.

Millions of people donate and sell their unwanted accessories every year to charities, resale shops, consignment shops, flea markets and to online auction sites. A large quantity of used clothing and accessories that are available are barely used and some even have the original price tags on them. When you shop for used clothing accessories you will find quality pieces at affordable prices.

To start, browse your local physical stores by looking in the YellowPages, using your online search engine and asking your friends and family. Make a list of places that you would like to consider and then map out a plan to visit them. If you are looking for newer clothing accessories, consider visiting consignment shops first. Most items that you will find at a consignment shop are between 1-3 years old and you can expect up to a 50%-60% discount off of the retail price. If you are looking for a super bargain, start by searching thrift stores and flea markets. You may need to be willing to dig, but you will be sure to find some very nice, inexpensive items. Next, search your local resale shops as they offer a mix of old and new used clothing accessories and are generally a bit more organized than a flea market or a thrift store.

As you are shopping, be sure to also take an inventory of your current accessories and the items that you are looking to replace. As you are going through your closet, you will probably find unwanted clothes and accessories that you can even sell to generate funds to make some new accessories purchases. Be sure to take those items with you on your shopping trips.

When you are shopping on an online auction or consignment site, accessories are often sold in “Lots”. Lots are groupings of like items that are sold as a single unit. The advantages of lots are that you get a large selection in a single purchase, but the disadvantage is that you may not always know what you are getting. Single items that are more expensive are typically sold individually. Be sure to read the item descriptions carefully so that you know what you are getting and take into consideration what the shipping costs are going to be in your overall sales price. When you are making your online purchases, be sure to use a secure site and a reputable company to ensure your security and your privacy.

Shopping for used accessories online and in physical used clothing stores is a great way to build your wardrobe, to keep up with the trends and to find affordable items.

Perfect Beaches for Holiday Rentals in Murcia

July 15, 2017

Murcia, located along Spain’s Costa Calida, is known for its year-round warm, sunny climate which attracts holidaymakers to the region. With an abundance of villas for rent on resorts such as Polaris World’s Mar Menor Golf Resort, La Torre Golf Resort and El Valle Golf Resort tourists can rent luxury Murcia villas with private pools or affordable apartments and take full advantage of resort facilities such as communal pools, playgrounds, tennis courts and nearby restaurants.

If you’re planning on looking for holiday rentals in Murcia this summer make sure you explore the local area and visit the many beautiful beaches on offer. Murcia, also known as the Costa Calida in Spain offers over a hundred beaches for everyone to enjoy, whether you want to travel by boat to a picturesque deserted cove, or relax on a stretch of sandy beach to soak up the sun.

Simply travel a short distance from Murcia city to the coast to explore popular areas. Beach towns to visit include Mar Menor, San Javier, Cartagena, Mazarron, Aguilas, San Piedro del Pinatar and Lo Pagan. The Mar Menor in particular ( a large salt water lake effectively) is a really popular area to visit, with its warm Mediterranean waters and vast, golden beaches, shallow waters and small waves; Murciabeaches really cater for everyone.

Mar Menor beaches

Villa Nanitos

Located on the Costa Calida above Lo Pagan, the Villa Nanitos beach offers water skiing, volleyball, windsurfing and sea kayaking. Nearby are the mud baths of San Pedro del Pinatar; well worth a visit.

La Llana

Located on San Pedro de Pinatar, Mar Menor, this is a blue flag beach and can get busy during peak season. It is a long, sandy beach and foot showers are available during the peak season. The waters here are mild and so perfect to take a dip.

El Espejo

Another blue flag beach, El Esperjo can also be found on the Mar Menor coastline. This sandy beach is perfect if you fancy a spot of surfing, volley ball and kayaking. The waters here are calm.

Los Nietos

This is another popular Mar Menor beach. It offers 4km of long grey, sandy beach with shower facilities, as well as lots of restaurants and calm waters.

San Javier beaches

Euromanga

Euromanga beach is located in San Javier, Murcia. It’s typical of the La Manga stretch, which means its golden sands and pleasant waters attract many tourists and locals.

Castillicos

This San Javier sandy beach offers a picnic area, snack bar, accommodation, showers, beach cleaning and houses a Red Cross station. Lifeguards also patrol the area, and it’s also one of the safest beaches as it’s patrolled by local police.

Cartagena beaches

Cala Cortina

Close to Cartagena, this Murcia cove is located just a couple of minutes drive away. The locals will cycle and walk to Cala Cortina to enjoy a day of relaxation; spend a peaceful afternoon here with friends or family.

Calblanque

Calblanqueis a protected nature reserve, home to sandy beaches and coves. This beach is one of the few you are allowed to take dogs down to, so it’s advisable to keep away from the lower end of the beach if you wish to avoid the family pets. As it’s a protected area, there are no facilities like restaurants or bars, but there is a car park.

Cala Medina, Las Melvas and Levante

This group of three beaches are small beaches, with slightly less calm water. They range from sand to gravel to rock. There are restaurant services nearby, and it’s the perfect location if you fancy a spot of snorkelling.

El Portus

This is a very quiet beach in Cartagena. It’s sandy, and does offer showering facilities, but has limited disabled access as it’s difficult to reach.

El Belonte Grande and Salitrona

These two beaches in Cartagena are short and sandy, and are only accessible by boat or on foot, so they’re perfect if you’re looking for a quiet spot. These coves are very beautiful, surrounded by mountains with wild vegetation.

La Calera and San Gins

La Calera and San Gins are gravel and sand beaches, with calm water making them suitable for families. They offer reasonable facilities such as showers, as well as a few restaurants and shops nearby.

Mazarron beaches

Bolnuevo beach

Bolnueva beach is located at Mazarron, Murcia. This lovely golden sandy beach is great for families, and offers a picnic area, snack bar, showers and toilets. It’s also got a Red Cross Station and lifeguards on duty, in addition to offering water sport equipment for rent. It can get very busy during peak seasons, but generally isn’t quite as busy as other blue flag beaches along the Costa Calida.

Nares

Also located at Mazarron, Murcia, this golden sandy beach is great for children with its calm waters and shower facilities.

El Castallar

Facilities available: This beach is located near the town and harbour of Mazarron. El Castallar is a sandy beach, with lovely clean, calm waters. Although popular with families, this beach does not get quite as crowded as some other Blue Flag beaches in this region. Facilities include snack bars, restaurant, showers, telephones, beach cleaning, and a Red Cross point.

El Rihuete and Puerto de Mazarrn

These sandy beaches are perfect for families exploring the Mazarron area, with plenty of local shops and restaurants.

Aguilas beaches

Las Delicias

The sand and pebble beach of Las Delicias can be found in Aguilas, Murcia. It offers many facilities such as a snack bar, restaurant, showers and it also has a Red Cross station, is manned by life guards and patrolled by the local police, so it is an extremely safe beach to visit.

Poniente

This urban-setting beach offers a snack bar, restaurant, toilets, showers and parking. It’s a very popular beach in the summer months.

Calabardina

This beach is also located at Aguilas, Murcia. Its waters tend not to be as calm as other beaches in the region, making it more exciting for water sport enthusiasts. It offers a Red Cross point, parking and beach cleaning, and again, Calabardina can get quite busy.

Levante

Sizes at just over 440 metres, Levante beach offers a snack bar, restaurant, showers, a Red Cross station, lifeguards. Ideal for children, this popular beach is sandy, with calm waters.

Abejerro and Las Pulgas

If you’re after quiet sand and gravel beaches, head to Abejerro or Las Pulas in Augilas. These are both quiet, unspoilt beaches, unfortunately there are no facilities at either location.

Punta del Fraile

This beach is only accessible by foot and offers great, clear water for snorkelling.

Lo Pagan beaches

Villanitos

Villanitos can be found in San Piedro del Pinatar, Lo Pagan, Murcia. It has plenty of facilities available for use, such as snack bars and restaurants, toilets, showers, parking and if you want to take part in water sports, there is equipment available for rental. Calm waters and it’s large, mostly sandy beach make it very popular.

La Puntica

This is a sandy beach, with calm waters. Like many beaches in Murcia, La Puntica offers a restaurant, snack bar, showers, toilets, beach cleaning and a Red Cross station, and is patrolled by lifeguards and local police.

Lorca beaches

Bao de las Mujeres and El Ciscar

These beaches are located further south of the coast, at Lorca. They are both short beaches
, offering fantastic fishing opportunities as well as being perfect locations for swimming and snorkeling.

Commercial Real Estate Marketing Plan – Key Points to Win the Client

June 28, 2017

In giving a client a marketing proposal and strategy to sell or lease a commercial property, a number of things need to be well detailed in the proposal itself. Here are some of the main ones that should never be overlooked in your property proposal.

  • Why Should I Use Your Agency? It is an important question and hopefully you have a very clear idea of the advantages you bring to the sale or leasing process. Generic statements like ‘we know the market’, ‘we are the best agent in town’, ‘we have been here for 50 years’, and ‘we will serve you well’, just do not cut it in competitive markets. Consider why your real estate agency can stand clear and separate to other competitive agencies in promoting the property. Make sure that the client knows without any doubt why they should choose you as the agent of choice. Do not base your marketing point of difference on low commissions or agency paid advertising; that just does not work in this market and will put you out of business fast. Your agency must have something that is special and not copied from other agencies; it should also be so unique that you are the first choice as the real estate agent to take on the listing. If you do not have this clear mindset, then welcome to the world of the ordinary real estate agent that has to fight for every listing. Be separate than everyone else, create your point of difference and then market it well.
  • Happy Existing Clients & Recent Sales: Evidence of market activity and positive results will always come in handy as you attempt to advise the client on the right strategy to adopt for their property. In this property market with an abundance of available property stock, you should never take on overpriced listings. On average it is better to walk away from them and work with listings that are closer to the market price or rent. Your time is a valuable resource and must be protected from unrealistic vendors. A realistic property owner that works within the property market is far better than a property owner that is trying to set their own property market.
  • Prospective Buyer Activity on a Property: Telling the seller or landlord of your current and prospective sources of enquiry is a worthwhile part of your marketing plan. This lets the owner of the property know that you are really on the right ‘wavelength’ when it comes to locating tenants and or buyers. Some agents also adopt the strategy of getting a series of inspections done quickly with potential buyers from their database even at the early listing stage. It is surprising how many listings are sold or rented even before they reach the market officially.
  • What is Value? What is a Property really worth? Whilst exact prices and rents are hard to pinpoint, you should have a reasonable idea to within 5% as to what price or rent you could achieve with any given property. If you have no idea of the rent or the price then it is better to put the property to the market on the basis of ‘expressions of interest’. In that way the market will tell you what they think. With some very unique properties this is necessary given the limited pool of buyers that can participate in the purchase.
  • Methods of Sale and Timing: The main possibilities when selling a property are usually sale by auction, sale by tender, sale at a price, sale by negotiation, expressions of interest, trade or exchange. Knowing the best one to choose is the key to success. Putting the property on the market at a price is the less successful way of property marketing. The reason for this is the market will judge the property and try to reduce the price; if the property is too highly priced it will ‘kill’ any genuine enquiry before you even hear about it. One other fact needs to be remembered and respected here; a property will become ‘stale’ on the market after about 90 days. If it does not sell by then, it is better to remove it from the listing books for some reasonable time, to freshen the property for the next stage of marketing that you need to go to.
  • GANTT Model: For those of you that may not be aware, this is a way of graphically displaying activity. It is a common graphing process. It just so happens that it is a very powerful tool when you put it in a commercial property proposal for sale or lease. The display shows the client exactly what you are going to do for them and when.
  • Question and Answer: As part of your property marketing proposal, it is wise to have one or two pages that handle the concerns and questions of the client. From the preliminary meeting with the client you will have ascertained what matters concern them; you can merge these concerns and your answers into a Q&A format within your proposal.
  • Executive Summary: Always use an Executive Summary at the front of your document. It should be no longer than 2 pages, and bring all the main points to the front of the proposal. Adults generally do not want to read a lengthy document, so all your great work may largely go unread unless you can get the key points to a place that interests the client to read further.
  • An Exclusive Selling Agency Agreement: Why should you do one? The obvious answer is that you can best serve the listing and the client; you can also control the competition agents that may be chasing the same property. Open listings are not desirable and are essentially a waste of time unless you specifically have a purchaser that is a strong contender to take the property immediately. Occasionally I come across an agency that has a business approach of listing everything they can regardless of agency type; whilst this method can work, it does require you to have a very large number of listings and plenty of signs on properties. In only that way will you get the enquiry and conversion numbers that you need for KPI’s on commissions.
  • What are the advantages to a Vendor in having only one Agent when selling a Property? Tell the client why one agent is the best way to go. Multiple agencies working on the one property do not allow focused communication of offers and marketing coordination. Tell the client how you will connect with them on marketing, negotiation, due diligence, and property settlement.
  • Advertising: Yes advertising is expensive and it is still necessary, although you can be selective. You need to get the property message out to the market in the most efficient and direct way. How you do that is really property specific, although the conventional processes of newspaper marketing (expensive) are becoming less necessary. The internet is taking over as the main advertising channel in commercial real estate sales and leasing, and offers your client far better and cheaper ways of putting the property to the market. A key strategy for property marketing is to create 3 different levels of marketing for the client to consider (gold, silver, and bronze), as it gives them the feeling of control when it comes to spending on vendor paid advertising.

So these key points should be well handled in your property proposal. When you get the points clearly set out, the client knows what you can do and why they should choose you as the property agent of choice.

The Strategic Use of Information Technology

July 1, 2017

TEACHER: Hello, Student. What do you know about Information Technology (IT)?

STUDENT: Well, I know that most software is full of “bugs”! By the way, why are these errors in programs called “bugs”?

TEACHER: Computer “bugs” have been around since malfunctions in a 1945 Mark II were blamed (facetiously) on a moth trapped in a relay. Nowadays the term refers to programming flaws -commands that don’t accomplish the desired result. But I am sure you must know more about IT than the fact that programs have bugs!

STUDENT: Recently I read an interesting article written by John Diebold years ago. Allow me to quote from it:

“Information technology . . . is becoming increasingly the key to national economic well being, affecting virtually every industry and service. One would be hard-pressed to name a business that does not depend on the effective use of information: to design products and services, to track and respond to market demands, or to make well-informed decisions. Information technology will change the world more permanently and more profoundly than any technology so far seen in the history and will bring about a transformation of civilization to match.”

TEACHER: Interesting. There is no doubt that information technology is currently a major force with the potential to affect a range of organizations in fundamental ways.

The impact of information technology on business operations has been enormous and will increase substantially.

There is no doubt that a shift from an industrial economy to an information oriented service economy is under way; and no one knows when the process will slow down.

In essence, scale and the conventional dimensions of time, space, and mass will no longer be constraints on the products of the information age. Unlike the standardized product created for the mass market of the industrial age, the electronic delivery of banking services, for example, is scale-independent and intangible, provides instantaneous service, and is not bound by the physical location of the bank.

STUDENT: AmbaiU’s online courses are a good example! Students from all over the world can instantly access the courseware. The dramatic growth of the Internet’s WWW service has Uncategorizedly been an important factor in the growth of IT in general.

TEACHER: True indeed. Environmental trends like globalization and heightened international competition are speeding the movement toward increased IT use by corporations. The exigencies of worldwide coordination of operations and the need to react rapidly to global competitive threats have emphasized the importance of IT in the current business context. Dramatic technological developments in hardware, software, databases, and telecommunications have simultaneously pushed the utilization of IT further along.

STUDENT: So, is the sky the limit for IT?

TEACHER: Not exactly. At the same time, several factors are militating against the rapid deployment of IT. Among these are the still-slow development of appropriate software, long-standing difficulties in quantifying IT benefits (for justifying IT investment), issues of database integration, and the lack of standards (for the purposes of inter-organizational connectivity).

STUDENT: I also think that there was “over-investment” in IT in the last decade of the 20th. century and even at the beginning of the 21st. And what about IT and Strategic Management?

TEACHER. True, we are primarily concerned with the likely impact of information technologies on the practice of strategic management. The reason for adopting such a perspective reflects a fundamental belief that information technologies can potentially influence the core of a firms activities: Choices pertaining to products, markets, and technologies (the corporate strategy level), as well as competitive methods within each of the product-market segments (the business strategy level).

STUDENT: I assume this is why the role of information technology is becoming broader than that of the traditional Information Systems (IS) function, and is becoming a general management concern and challenge.

TEACHER: Good observation. We will consider three linkages that interconnect three important concepts -strategic management (SM), information technology (IT), and the management information systems (IS) function.

* Link 1: Management Information Systems with Information Technology

According to the traditional view, IS is a service function (just as accounting, human resources, or industrial relations) which is charged with the task of efficient data processing and administration of the management reporting and control systems. According to such views, systems are designed to cater to the informational requirements of different managerial roles and are identified using standard informational requirements assessment methodologies. In consequence, systems are evaluated using criteria such as timeliness, format quality, and reliability, reflecting the technical capability of the system. The implication is that the role of IT was conceived largely as the technical core of the MIS function.

Consequently, the important characteristics of this linkage were hardware and software support for the information architecture, and flexibility of design to support minor modifications in the information requirements or to respond to the fast-changing technical core of the system’s hardware.

The strategic planning level, by virtue of its unstructured nature of decision making, received minimal support from the traditional conceptualizations and role definitions of IS.

Link 2: Strategic Management with Information Systems

The description of Link 1 reflects a view that the charter of the IS function was derived directly from the informational resource assessment and had no explicit linkages with strategic choices at the corporate and business levels. This view was representative of the actual situation until the late 1960s and early 1970s, when the need to tailor the design of MIS to the requirements of the organizational strategic context gained currency. In 1968, McKinsey & Co. published a report titled Unlocking the Computer’s Profit Potential that called for a formal link between the design and implementation of MIS and the firms strategies and objectives. This publication urged managers to visualize the role of computers in business organizations as something beyond a data processing resource at the operational level of the organization and more as a mechanism that supports their strategy.

STUDENT: Even before that McKinsey report, William King proposed that the “IS-strategy set (composed of IS objectives, IS constraints, and IS design strategies) should be derived from the “organization’s strategy set” (composed of organizational mission, objectives, and strategies).

TEACHER: You are a well read student, indeed!

STUDENT: You might remember that I come from an “IT family.” And I keep hearing a complaint from my IT relatives: while there is concern within the MIS discipline to ensure that MIS is designed in accordance with the strategic contexts of the firm, the link in the other direction, from the corporate strategic context to MIS, is still largely ignored.

TEACHER: True, but this is changing rapidly. Also, several authors have called attention to the possibility of exploiting information and information systems for strategic advantages. As William King noted in an editorial comment in the Management Information Systems Quarterly,— Information (and IS) has the potential to be a primary source of (competitive) advantage in the marketplace rather than merely as a resource to be efficiently managed or a service that is periodically turned on and off as needed.

STUDENT: Can we then assume that many see the link between strategic management and IS today as a bi-directional, mutually interconnected link, implying a strategic role for the IS function?

TEACHER: Certainly, and it was about time. In a transition towar
d a strategic role, the goals and tasks of the management information systems function undergo an important transformation. The systems are no longer viewed in terms of informational support for operational decisions, but rather in terms of the realization of the organization’s strategic objectives, especially the achievement of competitive superiority in the marketplace.

Information systems with a charter to achieve competitive superiority are called “strategic information systems” and differentiated from the more operationally focused MIS. Indeed, MIS has been traditionally concerned with the operational control systems for relatively structured decisions based on readily available, internal data. In contrast, strategic information systems are designed to support relatively unstructured decisions, especially those that are intricately tied to the activities of the market-place.

STUDENT: I hear that usually such decisions require a combination of internal and external data that: are neither well structured nor completely specified.

TEACHER: Exactly. Although a perfect demarcation between management information systems and strategic information systems cannot always be made, the conceptual distinction is important enough to be recognized just as the conceptual distinction between strategic and operational decisions.

Let me mention some examples of strategic information systems operating at real companies:

American Airlines : SABRE reservation System -installed in most travel agents for booking airline, hotel, and rental car reservations.

American Hospital Supply Co.: ASAP-order entry system-installed in over 4500 medical establishments to order supplies on-line. The system is internally interconnected to several supporting systems

Citicorp Extensive use of automated teller machines and global transaction network. Several systems that support their strategies for electronic banking services.

McKesson Corp. Economost -order entry system that supports customers with inventory control and analysis of sales.

United Airlines APOLLO-Travel agency reservation system with several augmented services installed in about 7700 agencies.

Student, can you think of specific strategic objectives any of these companies have achieved through IS?

STUDENT: Well, I am sure that SABRE provides American Airlines with critical operating data that can be used for strategic decisions; travel agents hooked on to SABRE are likely to book on American more than other airlines.

TEACHER: Yes, some much so that the US government has stepped in and put some limit’s on SABRE’s propensity to favor AA!

Strategic information systems achieve their objectives through several mechanisms, but two deserve special attention. These are: (1) the reconfiguration of the information flows within an organization to provide competitive advantages relative to competition, and/or (2) development of inter-organizational systems that extend beyond the traditional boundaries of a single focal organization.

STUDENT: Are these modes are mutually exclusive?

TEACHER: No, but we will discuss them independently.

Reconfiguration of Information Flows

Let us consider the case of an airline that uses timely data to increase its load factor -perhaps the single most critical factor for achieving success in the airline industry. By developing a strategic information system designed not only to continually collect data on flight bookings, but also to compare current sales against historical patterns, the airline can instruct its own ticketing agents (as well as travel agents) to modify the number of discount seats available on a particular flight depending on the current level of advance bookings.

STUDENT: By the same token, I guess that similar benefits can accrue to a hotel, where a key determinant of competitive performance is the occupancy ratio.

TEACHER: Correct. And the basic notion of timeliness of information can be extended from the context of the service sector to the manufacturing sector. Consider the case of an oil company which is able to communicate with its dealers directly and instantaneously as oil prices change to ensure minimum delay between the setting of prices in the headquarters and its realization at retail outlets.

STUDENT: But in these illustrations IT does not influence the fundamental strategic business choices.

TEACHER. Correct. However, the implementation of such decisions through organizational hierarchy and channels is facilitated through the use of IT, leading to improved strategic results.

Inter-organizational Systems Inter-organizational IT applications highlight the potential to achieve competitive success that extends beyond intra-organizational informational flows to the deploying and exploiting of information-based links with diverse actors in the marketplace.

STUDENT: Your are using rather complicated phrases today! In simple terms, what you mean is that an inter-organizational strategic information system is a system that extends beyond the boundaries of a single focal organization to link multiple organizations.

TEACHER: Glad to see that you understood! The potential todevelop such links (and the consequent benefits to achieve competitive advantage) is perhaps the single most important reason for the, increased attention to informational systems from a strategic management point of view.

The railroad industry, which has one of the highest levels of “penetration” of electronic data interchange (EDI) among all industries, displays several levels of inter-organizational systems use. And relatively new industries such as couriers (FedEx, UPS, etc.) are good examples too.

Let me also mention the McKesson Drug Company. The case of McKesson is frequently quoted as one of the most successful examples of business transformation using information technology capabilities. McKesson is a US national pharmaceutical distributor that receives close to 100 percent of its orders electronically from drugstores through its Economost systems. A customer orders by making a single pass through the store with a hand-held order entry device, keying in a product identifier or using a bar code scanner. Reorder quantities are indicated on shelf tags. When the complete order has been entered, it is transmitted to the data processing service.

McKesson clearly achieved operational efficiency benefits to improve its profitability. Although the company apparently did not gain share relative to its major distributor competition, it achieved significant strategic benefits in sales and market share gains relative to its larger competition. The system also achieved “increased tying of the customer to McKesson” which is a substantial strategic advantage. Moreover, McKesson offers a number of other services based on the data it obtains from the order entry system.

The company also provides other firms in the health care business with specialized strategic systems. The following announcement is a good example:

In May 2003, McKesson Corporation announced that LibertyHealth in Jersey City, N.J., signed an eight-year, $47 million agreement for products and services designed to transform the use of clinical information to support patient care in its three-hospital system. LibertyHealth contracted for McKesson’s Horizon Clinicals(TM) suite (of programs) to enhance patient safety, reduce medication errors and increase patient referrals by providing physicians and other caregivers with better access to information.

“We have a once-in-a-lifetime opportunity to reinvent the use of IT to support patient care and enhance quality as we open our new hospital,” said Dr. Jonathan Metsch, LibertyHealth’s president and chief executive officer. “To create the best environment of care, it’s a given that we must provide the latest medical equipment. But, just as importantly, we must provide the most advanced clinical IT solutions to support our 900 doctors and nurses as they provide healthcare for this community of 600,000 people. That’s why we’ve
partnered with McKesson — we get superb, advanced clinical applications.”

Link 3: Strategic Management with Information Technology

Over the last years, several new and powerful forces in the technological and market environment compel one to recognize the link between strategic management and information technology in terms of the fundamental role played by IT in influencing the formulation of a firm’s strategy rather than merely supporting its implementation.

The potential for innovative modes of competing as well as new products and services made possible through IT provides managers with an entirely different spectrum of opportunities and threats. Given the general explosion of computing power and communications capabilities (integrated voice and data, the Internet), several new business applications can be (and have been) developed in those areas that directly enhance efficiency and effectiveness in the market-place.

Example: Merrill Lynch Merrill Lynch’s strategy demonstrates the potential offered by information technologies to develop superior substitute products (or services) as well as altering the definition and domain of business operations. The introduction of Cash Management Account (CMA) by Merrill Lynch represented a revolution in terms of redefining the concept of financial services in a marketplace that was dominated by the traditional banking institutions. The new business concept was built around integrating diverse financial instruments under one common umbrella such that the individual investor is able to enjoy the convenience of moving money across them as well as benefit from the “float” that the banks traditionally enjoyed. This account permitted the integration of four basic services to investors: (1) automatic investment of cash and dividends in a money market account, (2) credit through a standard margin account, (3) cash withdrawal by check or debit card, and (4) investment advice in managing and diversifying the account.

The strategy could not be implemented without the use of information technology, for it requires daily swaps across different accounts to post the credit card charges, checks, securities, and deposits, as well as to develop a daily updated credit limit for each account holder. This complex data processing operation is not incidental to the business concept but is fundamental to its conceptualization and operation. The importance of IT in this strategy is perhaps best emphasized by the fact that Merrill Lynch obtained a patent for the cash management account system. The annual fees generated by this product for Merrill Lynch were quite substantial.

Although several variations (circurnventing the patent protection) of this basic concept have appeared in recent years, none has so far matched the success of Merrill Lynch’s product.

Other firms which have utilized IT to break down traditional industry borders in the services sector include Sears, now an integrated financial services provider; Citicorp, now an investment and realty firm as well as a bank; and American Express, always strong in the travel business, now making a play in international banking, insurance, and securities, in addition, to becoming a financial and information supermarket. Indeed, the entire industry is being transformed due to parallel but related forces: deregulation and technology.

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