Today I feel like writing about something that has become a major issue in today’s world. It has been quite a while since the credit card wave caught the world. We have all had people calling in at odd times, disturbing us with their credit card schemes. This has led to false players indulging themselves in selling fake credit cards thereby misusing the buyer’s ignorance. Indeed, till there are people who get cheated, cheaters will never vanish. Now the question is how do we know which credit card company is genuine and which is not? This is a question that I keep asking myself every time I read an article about a credit card scam in the news paper. Are we genuinely out of people who can guide us through financing us while we are in need? I am fortunate enough to get the answer. This site creditloan.com/credit-cards comes as a great sigh of relief to all those who do not know much about financing. The site has great reputation in the field of debt consolidation, credit cards, and personal loans. Become a member there and you will realize how cool ad easy it is to get your finances right. If your one of those who have a bad credit this site is a boon to get your credit card application approved. So go ahead and use their services and do leave a comment if you find this information useful :-) Cheers…
Friday, October 23, 2009
Home plans
Each one of us has one common dream. Can you guess what it is? It is to buy your own house. Many people have an idea about their dream house. Even though you have the money, it is very difficult to make your house look the way you actually want. You can come out with your dream home plan and incorporate your desired architectural requirements and features. You home plan search is now simple and easy.These home plans can be easily made by anyone, but to translate your dream to a reality is not possible by many. This site offers you just that. They have the potential to translate your dreams to a reality. The cost estimator gives you an idea about the cost so that you can plan your expenses accordingly. This makes sure that you din't exceed the budget. You can visit the site to get more details about the luxury home plans and cottage home plans that they have.
Build your house the way you want...and..Build your life the way you want..Ciao! J
bid here??
Thursday, October 22, 2009
Shampoo market II
If you have read my previous article about the shampoo market, you will be able to comprehend this article better. The consumer has got used to the idea of using only that brand of shampoo that suits his or her hair the best. This was achieved by launching a series of new brands, as well as repositioning old ones, to peg each to a distinctive benefits. So, Levers rolled out Sunsilk Nutracare (the proposition : hair root nourishment), Sunsilk Ceramides (the proposition : repair damaged hair), Organics (the proposition : hair root nourishment), Organics dandruff treatment (the proposition : hair root nourishment with anti - dandruff treatment), Clinic active (the proposition : presence of pro - vitamin B5), Clinic All Clear with ZPTO (the proposition : control of dandruff - causing microbes, scalp moisturizer, and reduced scalp itch ), and Lux Super Rich (the proposition : inclusion of hair moisturiser ) to join Clinic Plus and Sun Silk.
P&G joined the fray with Pantene Pro - V (the proposition : nourishment of hair from root to tip), Pantene Pro-V Extra shampoo - and Oriflame’s conditioning shampoo.. Through new brand launches companies generated constant excitement to keep interest in the product alive. And because they were targeting growth, they cannily priced every new product at a discount to a comparable one while holding out a promise of either matching or greater value. There is always a large number of potential customers waiting to buy your product as soon as it becomes affordable. We have tried extensively to map the behavior of the consumer across the consumption chain.This will encompass a host of questions: What does he buy? Where does he buy? Who influences purchase? Does he like offers? Etc.
Wednesday, October 21, 2009
Creat funny pictures!
Since lately I love sharing my photos and or images I found on the net to my Facebook’s friends, gradually, I am turned to be creative I want my friend to get laughing or get amazed with photos I share not just photos that will overcrowd the screen. Therefore I want to edit the photo first to be funny photos before sharing it. As usual, in order to accomplish my goal I Googled about it. Then I typed create funny picture I found PicJoke.com.
After reading its description I said to myself…”looks like this is what I need” & immediately clicked on it, then Google directed me to PicJoke.com homepage and I was presented with a calm interface which contains dozen of effects to choose:After reading its description I said to myself…”looks like this is what I need” & immediately clicked on it, then Google directed me to PicJoke.com homepage and I was presented with a calm interface which contains dozen of effects to choose:

Then my eyes swept the provided effects and picked this effect

And I made a test with this effect to know on how good Picjoke.com, clicked on it and then pick a picture inside my HD to be integrated with the above effect, and this is what I am given:

I was amazed on how blend PicJoke.com integrated my image with the effect. That is going to be fun if I share this to Facebook, but firstly I changed the picture with my own photo and shared the new effect to my Facebook friends I said to them MGM has chosen my face to be their official icon after the old Lion is not sexy anymore…lol
They asked me did you use photoshop? I said yes but photoshop online and all I did was pick one background and upload image inside my HD! The name of photoshop online is PicJoke.com that will create funny pics for you just go there to find out!
One more effect I’d like to show this one is my favorite:

I just knew a Gorilla keeps my picture!
) This fun photo effects is truly amazing
So if you want to make funny pictures online for free that provides you dozens of effect you can choose, try PicJoke.com, you are going to love it because it makes EVERY DAY – NEW PHOTO EFFECT.
As usual see you in the next post
.
Shampoo market
People used different shampoos for different needs and concerns.“X” shampoo has keratin treatment, “Y” shampoo has total nourishment while “Z” shampoo rebuilds your damaged hair and control dandruff. Aggressive marketing and media blitz has made it a frothy year for shampoo marketers. Making the hair flow, and flow and flow, were the unique strategies for generating growth adopted by the three principal players in the shampoo market. A flurry of new launches which saw the introduction of 32 new brands, five brand extensions, 100 new variants, and 122 new pack - sizes, adding up to an unparalleled excitement in what was till then a - one - kind - fits - all product category. So long as it was a generic, generalized - benefits product whose primary value, was that it cleaned hair, no shampoo brand had the loyal following. With a broad swath of appeal, brand USPs were not sufficiently differentiated from one another for any of them to crave out a committed niche.
Also, the limited repertoire of benefits acted as a deterrent to frequent usage and hence growth. The shampoo - marketers fragmented a once homogeneous market furiously, pegging a unique differentiated benefit to each brand and line - extension so as to build a clearly defined segment of users for each. While this helped each brand build a franchise, it served the more important function of giving every user a definite, focused reason to use a particular brand.
Saturday, October 17, 2009
Address labels
Wedding invitations
Saturday, October 10, 2009
Market Segment
A market segment consists of a large identifiable group within a market. A company that practices segment marketing recognizes that buyers differ in their wants, purchasing power, geographical locations, buying attitudes, and buying habits. Because buyers have unique needs and wants, each buyer is potentially a separate market. Ideally, then, a seller might design a separate marketing program for each buyer, though no company is willing to customize its offer \ communication bundle to each individual customer. The company instead tries to isolate some broad segments that make up a market.
Two broad groups of variables are used to segment consumer markets. Some researchers try to form segments by looking at consumer responses to benefits sought, use occasions or brands. Other researchers try to form segments by looking at consumer characteristics. They commonly use Geographic, Demographic or Psychographic characteristics.
Friday, October 9, 2009
Mountaineering
Thursday, October 8, 2009
Customized Business Cards
Bar code printers
ORG MARG Analysis
Although segmentation offered new value propositions to the shampoo users -- differential pricing also created several Value for Money (VFM) equations. A promise for greater value or matching benefits at price discounts for every new product gained momentum.
In India customers are sensitive to price. There is always a large number of potential buyers to purchase the product as soon as it becomes affordable.
Promoting the shampoo brands poses another challenge for the marketers, resulting in high adv. spends and media spends.
One of the biggest barriers to shampoo usage is the consumer perception that it harms the hair. Thus companies are focusing on defending the product against accusations by promoting the strength, nourishment and beauty of the hair - ‘The 3 - in -1 Capsule ‘for ultimate hair. Companies are still associating it with modern life styles to find acceptance in semi - urban and rural non-users to build and enlarge shampoo usage levels. Thus companies will have to mould new consumers usage patterns to its own benefit, to have a competitive advantage and stay out there in the longer run with a respectable market share.
Wednesday, October 7, 2009
Proteins
ADT Alarms
Tuesday, October 6, 2009
Trade show displays
Sunday, October 4, 2009
Plastic Surgeons
Friday, October 2, 2009
Criminal Defense Attorneys in Los Angeles
Taxes and their implications
The relaxation of the direct tax rates will impact the common man with immediate effect. Abolition of the FBT (Fringe benefit tax) is a welcome move but its impact might get lessened by the increase in MAT (Minimum Alternate Tax). The Goods and Services Tax (GST) would be active from the next fiscal but the implementation of GST is a herculean task that needs to be planned meticulously in coherence with all the states. The banking sector witnessed a few reforms like reduction in lock in period for Fixed Deposit, farm credit boost and interest subsidies for certain loans. The budget was a big letdown for the IT sector. The PSU divestment plans of retaining only 51% with the Government is sure to be a major source of income. The modernization of employment exchange with online facilities and speedy processing is welcomed despite being a daunting task. The setting up and upgrading of technical institutes is an essential policy to increase the percentage of people taking up graduation. The Income tax re-turns are to be processed in the Central Processing Centre to be set up in Bangalore might help to ease the tax evaluation processes. The Unique ID Code Authority of India (UICAI) would be set up under Mr. Nandan Nilakeni is to provide biometric ID cards for One Billion Indian residents. The Government has had a fiscal deficit of 6.8% and the increased spending is the best means in times of recession as it would help the economy revive. Al-though the budget 2009-10 proved to be a major let down for India Inc policy changes of the budget 2009-10 are to-wards modernization and development of the nation.
Digital Technology
Budget view
The Budget 2009-10 has created history in terms with an estimated expenditure of over Rs 10 Lakh Crores. It is the first ever budget where the Finance Minister had called for a meet with the Finance Ministers of the respective states to discuss on the budget before drafting it and he intends to continue the practice every year. The Budget 2009-10 was drafted with the aim of promoting inclusive growth with primary focus on inequality reduction, greater economic opportunities for all, better education, investment in agriculture and rural infrastructure development and achieving a 9% growth in GDP. Introduction of the 100 days work year program may be a great boon for the rural and economically weaker sections. The enhancement of farm credit by 13.2% is a major support and boost to the farmers. The budget has offered a nutrient based subsidy for the fertilizers and this means a lesser burden to the farmers for fertilizer expenses. The sector which might have the greatest impact on the national economy is the Infrastructure sector and there are a couple of proposals planned in the Infrastructure sector. The enhancement of the IIFCL (Indian Infrastructure Finance Company Limited) should provide a lot of boost to the sector. The proposed investment of Rs 16800 Crores in housing and basic amenities is one of the most welcomed moves. The long awaited long distance gas pipeline across the country has finally got a nod and this fiscal is hoping to witness the blue print.
Fast Cash
Thursday, October 1, 2009
Growth story
I was analysing the Indian growth story since the past decade and that motivated me to predict the growth story for the coming years. Though the current slowdown suggests a reversal of the Indian growth story there is still a strong perception that there exist some specific factors which provide India an edge as compared to other developing and South East Asian economies. These factors (which can induce consumer spending and pull the economy out of the slump) can be broadly categorized as:
Demographics: The growing population, rising middle class and increasing purchasing power of the poor indicates the existence of a huge consumer base that can be exploited to increase the spending in the economy.
Inflation Cooling: The recent decrease in the price of crude oil and commodity prices will reduce the import bill and further induce both production and consumption.
Easy availability of credit: Lower interest rates and decreased cost of borrowing will enable entrepreneurs to raise capital for the businesses.
So can we safely say that all is not lost yet? According to the Mckinsey Global Executive Survey, executives in India feel least threatened by the economic slowdown or the prospect of an extended recession than their global counterparts. In fact, they are optimistic about a global re-bound in economic fortunes. In a market largely driven by sentiments, such positive outlook may actually hasten the recovery process and put the Indian economy back on the 9-10% growth track.
Now, did I trigger the thought process in you? If I did, I consider it as a success. If I didn't, I will try to in my next post :) Keep visiting my blog and drop in your comments