Choosing CRM Software for Small Businesses

When your company is looking for improving sales, you need more than just the right marketing campaign strategy. You will also need to give huge attention to customer relationship management (CRM). CRM is focusing not only creating leads but follow up prospective customers to finally create sales. It is also focusing on strengthening relationship with existing customers giving them better experience and providing support that they will be loyal to make repeat order.

It is easy to understand that CRM is a very sophisticated field and it won’t be easy to manage effectively especially for business organizations with limited resources like small and medium enterprises (SMEs). CRM software can give the right solution. Using this software, most CRM tasks can be automated and it comes with powerful features to manage CRM tasks efficiently with measured results. But then again, adopting CRM software isn’t that simple especially when it comes to budget. The challenge is to find most affordable CRM solution feasible for SMEs budget. Let’s started with identifying what your business organization really needs from CRM solution. It can be either improving contact management system, boosting sales, or to deliver better customer supports, or it can be all of them.

Once you identify the actual needs, you can determine CRM features must be available from the software. It is important to understand that most CRM software has many features designed for wide ranges of purposes. By focusing only on core features you need, it can lower the cost of the software and also reduce the need of resources for its implementation. For SMEs, it is highly recommended to keep it simple and easy to use. One crucial factor is scalability. Be sure that the CRM software is scalable, so when your business grows bigger you can up scale the system with more features.

The Cost of Criminal Lawyer per Case

A criminal lawyer cost per case is the fix fee for the defendants. For instance, an attorney has set a fee per case of drunk driving for about 1,500. The fee for the lawyer will never change no matter how many hours spent by the lawyer to handle the case. Before you decide to pay your attorney in this type of payment, you also need to know the main advantage as well as the disadvantage of the per-case cost.

·         The main advantage of paying a criminal lawyer per case is for the certainty. The defendants understand where the cost will be going in. Whilst the lawyer bears the unexpected complications risk.

·         Meanwhile, the disadvantage of this payment type is the feeling that you may get that the cost is too expensive. Otherwise, you feel that you have paid for trial. After paying the per-case cost to the lawyer, you may feel ripped off when the time of the case settling is very fast. In certain condition and certain attorney, some of the fee will be refunded if the case settles fast. However, some other attorneys don’t do the same. It means that you shouldn’t hope too much if the fee will be refund. Besides, the paid fee may be only the pretrial phase fee for the case. You may also need to pay more fees after the case accomplished.

Because there are the options of criminal lawyer cost, you have to firstly clarify those points before you decide hiring a lawyer. You can also choose the hourly cost to pay the lawyer, but it is better up to a certain fixed amount. When the limit has been passed, the lawyer still should accomplish the representation without asking more money from the defendant. In this way, you can get the advantage of hourly payment and minimize the disadvantages of the cost in the same time.

SEO Tips on Trust Flow and Citation Flow

When it comes to SEO tips, as most of us already know, search engines like Google give metrics such as trust flow and citation flow a huge importance in ranking factor. Unfortunately, not everyone of us quite understand what trust flow and citation flow are, what their importance are, and what set them apart of each other. In order to have a better understanding on how Google ranks a website, we must first understand the definitions of both types of flow and how they interact.

Trust flow and quality

Nothing is more important to this type of metric than a quality and trustworthiness of a website simply because it exclusively measures the quality of websites that are linked to your domain – which means, the more quality websites you have linked to your domain, the higher your Trust Flow will be. But what exactly makes an external backlink, a good qualitative backlink? Keep reading this SEO tips to find out.

Backlinks come in various forms; it can be in the form of directory backlink, social backlink, or even comments backlink. An external backlink can be considered qualitative and authoritative if a website that linked to a post on your web can be considered trustworthy. Your website can receive 100 backlinks, but if the sources of those backlinks are filled with spams, they will instantly be flagged as low quality. Unfortunately, there is no way we can control the backlinks we get, however, if you have a high number of backlinks to carry the Trust Flow, it still can be considered as a sign that your website has a good organic traffic.

Citation flow and a link’s popularity

Unlike Trust Flow, Citation Flow only refers to the total number of external backlinks that are linked to your website. It reflects Trust Flow in a way that when there is an increase in your Trust Flow, the Citation Flow will also increase. However, if the Citation Flow increases, this does not necessarily mean your Trust Flow has an increase as well – this is due to the fact that CF counts all backlinks whereas TF only those that are qualitative.

The trustworthiness of a website can be measured with Trust Flow and Citation Flow ratio. A website that is very trustworthy will most likely have an above 1.0 ratio or 0.5 for a decent website, whereas anything with ratio below 0.4 will automatically be considered as low-trust website.

Tips to Find the Best NYC Divorce Lawyers

The process of divorce may become the hardest days you have in your life. Especially when you should pass the legal proceedings in the early stages. The hard days is commonly caused by the condition of yourself that is load of emotional and you may also be in a financial difficulties. For the great amounts of paperwork to prepare, the divorcing process in New York will be long and need painstaking preparation. You also need some assistance to solve the whole problems.

This is the reason of why you need to hire one of the best NYC divorce lawyers. They will assist you to help the case out so that you can get fated through the hassle process of divorcing. Besides, the lawyers will also assist you getting the best result of divorcing as desired.

Actually, it is quite pleasurable to have a divorce case in New York, because you can get many qualified lawyers that can deal with your divorce case well. However, it is also important to choose the best lawyer that can give you the best service in handling the divorce case. By hiring a high quality divorce lawyer in New York City, you can get through the hard days more easily and make everything done. Get some tips below to get the best NYC divorce lawyers and choose one of them.

Find the Lawyer’s Case Records

Before you choose one divorce lawyer, you should firstly find to know the case records made by the lawyer. Make sure that your lawyer have great records of winning kinds of divorce cases of the previous clients as well as make the clients in a fair settlement.

Get Some Suggestions

Just like when you choose a product or other service, you also need some suggestion from those who ever got in the same case and used a divorce lawyer service to handle the process. It will enable you to get a good quality lawyer with good capability and experience.

Choose a Reliable and Reputable Divorce Lawyer

It is important to get a reliable and reputable lawyer to assist you going through the long and difficult process of divorce. Consider the background, education and also the personality of the lawyer so you can be sure that he will work well to assist you. Besides, also check the reputation of the lawyer so that you can get fair rate in hiring them and communicate well with you about the case in details.

Importance of Point of Purchase Merchandising

A Point of Purchase display, which is often abbreviated as POP, has long become a staple marketing strategy for many retail establishments. Typically placed next to the merchandise that is being promoted at the time or right where customers’ purchase decision is made such as a checkout counter, Zen Merchandiser notes that although the method is still underutilized, it is actually one of the most effective way to capture the attention of customers and passerbys alike which in turn persuade them into buying the advertised products.

Who would have thought a simple signage can boost a retail establishment’s revenue? Point of purchase display can be made extremely simple with just a cupboard cutout and written deals, or made elaborate with a full free-standing display merchandising with attractive visual carton, and even a vendor shop display that works like a mini store within a store. No matter which type of point of purchase displays you offer, both the simple and elaborate display share similar target and to attract customers and give them informations they need even when the salesperson cannot be there to give them the information directly – this is why Point of Purchase signs include infocmations like the product’s normal price, the discount being offered at the time, and the discounted price of the promoted products which fits the current customers’ buying habit. This being said, POP has been proven not only as a great silent advertising, but also as a promotional means that secretly holds such a huge, and significant role in customers’ decision making.

Various reports show that a merchandise that does not generate impressive sales when it is at a regular price all of a sudden sees a jump in sales when it is lowered by as little as 10% once the POP sign is being put up during the clearance period. Many customers who previously did not even notice the product’s existence in the shelves prior to the clearance, with the help of POP signs now do. Customers who who notice the POP signs placed in close proximity to the advertised products are twice more likely to change their decision and end up purchasing said product. Another thing about POP that is worth mentioning is the fact that it is cost-efficient – unlike other type of elaborate visual merchandising, POP can easily be made customized depending on the content you wish to communicate without having to go through complicated process to change them.

Bank of America – Banking on Small Business with Business Credit Cards

The Bank of America has been building on its existing small business lending portfolio over the past years. Three years ago, it was already one of the top small business lenders in Florida with over $1.5 billion in small business loans and over half that amount being micro-loans under $100,000. With its recent acquisition of credit card issuer, MBNA, the bank has moved into the growing small business credit card market.

Business caution about the economy has not managed to dampen the dynamic growth in the small business credit card market. Having banked on small business for some time now and having a big credit card operation under its wing, Bank of America is looking up their activities through small business credit cards.

Their business credit card package affords small businesses the opportunity to schedule electronic payments ahead of time, thereby freeing up a time consuming administrative task on the part of the business owner. Business credit card holders also get purchase protection, which doubles the manufacturer’s warranty period on purchases made by up to an additional year.

Credit lines for business credit card holders are flexible, and can go up to $25,000. The business’ everyday business purchases earn discounts and cash backs too.

The bank has taken line of credit for business credit cards one step further. The small business credit card holders can now link their checking accounts in the bank with their business credit card. In the event that your checking account suffers an overdraft, the bank automatically extends its overdraft protection benefit. This means they will transfer funds, in multiples of $100, from your business credit card account to cover the overdraft.

This automatic loan against the business credit cards’ line of credit should save small business owners a lot of embarrassment. The bank will extend this protection provided that there is sufficient credit remaining in the business credit card account and if the account is not in default under the Business Credit Card Agreement.

If your business credit card account cannot cover the overdraft, you may still have a problem though. To address that possibility, the bank will release sufficient funds even if it will cause your business credit card account to breach the pre-set credit limit. The business will be expected to settle this loan during the next payment period, but this facility can lift a heavy load from the business owner’s shoulders.

You may be concerned about financial charges. First of all, after the zero percent APR during the 9-month introductory period, your business credit card will be imposed a regular rate of prime rate plus either 6.99% or 9.99% APR (some other versions of the Bank of America business credit cards impose variable APR of either 15.24% or 18.24%).

Business credit card cash advances are subject to prime rate plus 15.99% APR, with a minimum of 19.99%, plus a cash advance fee of 3%, with a minimum $10 fee. If the cash advance causes the business credit card account to exceed the credit limit, you will be levied an over-credit limit fee, as specified in your Business Credit Card agreement.

Personal Liability on Business Credit Cards

If the business does not meet these criteria, the business credit card issuers will use the credit history of the principal making the business credit card application as their basis for evaluating credit risk.

Do note that most business credit card issuers will not approve your application for a business credit card unless you agree to the personal liability provision. This essentially makes a business credit card the same as a personal credit card from a personal liability point of view. Hence, whenever your business fails to repay the business credit cards, the issuer may invoke the personal liability agreement in order to collect payment from the business credit card principal.

Because of this personal liability provision on your business credit card application, your personal credit reports will also contain a record of your business credit card history. You will therefore damage your personal credit score if you make late payments on your business credit cards. If your business accumulates a big debt, it will inflate your personal debt burden and cause you to appear overextended.

The personal liability agreement, however, is not always cast in concrete. If you can show that you diligently make your regular payments, you should be able to convince the issuer of business credit cards to remove the provision after a few years. It would really be up to the issuers whether they decide to grant you your request or not. Nonetheless, you could always try to negotiate with them. Whatever the case may be, endeavor to have the business establish its own credit history. This will eventually allow you to separate your small business credit card from your personal credit records.

You must be aware that since business credit cards are not intended to be used by consumers, the consumer protections applicable to personal credit card are not necessarily present in business credit cards. When making use of personal credit cards, the law grants you the right to dispute billing errors on your account within the specified period of time. Within this period, the card issuer cannot mark the disputed amount delinquent or cancel the card. This particular right of the consumer is not applicable to the holders of business credit cards.

When you receive ordered merchandise in poor condition, you cannot dispute the charges and in case the vendor refuses to cooperate, request the business credit card company to intervene on your behalf – as they do in the case of personal credit cards. With business credit cards, you are largely on your own.

So, should you carry a small business credit card rather than a personal credit card? The answer is: Yes. Once your business has established its track record, you can separate personal and business finances. That will work well – both for you and your business.

Businesses Applying for Business Credit Cards Without Credit History

When you are new in the business and you have not yet built a good credit history, issuers of business credit cards will most likely require you to personally guarantee your application for business credit cards. This requirement for a business credit card application may be annoying at times, but the reality is that unless you do so, the chances of obtaining new business credit cards, are next to nothing.

There are a few things you can do, to obtain a business credit card despite a lack of credit history in your business. For one, make a point of getting your business registered with the credit reporting bureaus; the most well-known among these being Dun & Bradstreet. You are familiar by now with the reports on personal credit issued by consumer credit bureaus. This is essentially the same thing that Dun & Bradstreet will do for your business.

Since you are new to the industry, and because your business credit is linked to your personal credit as an interim measure, you need to have a solid personal credit history to crack the nod from issuers of business credit cards. When you decide to apply for a business credit card, it is important that you ensure the accuracy and quality of your credit history.

Naturally you will greatly improve the chances of getting your application for a business credit card approved if you approach the bank where you already conduct your business affairs – unless of course, your record with your local bank is less than perfect. If this is the case, you can try applying for a modest line of credit instead of a business credit card. The bank might ask you to deposit a certain sum of money as a kind of security for the credit line, and when you have proven yourself to be a good payer and a responsible borrower you will be in a position to proceed with your application for a business credit card. At that point, the bank will be more inclined to approve a business credit card for your business.

As a new entrepreneur on the block, your business credit cards will most likely come with higher interest rate. The interest rate should not deter you from using your new business credit card though. Instead, the moment you receive your business credit card, you should begin charging to your business credit card the everyday purchases you make for the business; and when the statement comes, make sure you pay off as much of the business credit card balance as possible. If you want to save money, pay off everything so that there will be no interest; if you want to give the bank a chance to earn money from your business credit card, carry a small balance into the next billing period.

The sooner you begin building your credit on the business side, the earlier will you be able to pull out from the personal guaranty you have extended. When your business has established its own credit history, do not forget to call the business credit card issuer and arrange for appropriate changes in the terms of your business credit card agreement.

Business Credit Cards Essential for Home Based Businesses

Those who run home-based businesses belong to one of the most dynamic segments of the working world. Technology has revolutionized the way people work and we are witnessing probably the largest sociological shift in generations. If you are a home-based business owner you are part of that revolution.

Working from home gives you two wonderful benefits: you don’t have to pay rent for office space, and you don’t have to commute (no rush, no traffic, less gas). But working from home also entails careful planning especially when it comes to funding the business. This is where business credit cards become very useful.

The most common reason why home-based businesses fail is the mismanagement of finances. Many of those who own home-based business are using their hard-earned savings, home equity loans or lines of credit, and personal credit cards, not business credit cards, as sources of their business funds.

Using your savings may be preferable, if you have reasonable assurance that your home-based business will earn income at a rate higher than the interest rate on your small business credit card. In home equity loans or lines of credit, you will have to pledge the equity of your home. And if your home-based business does not succeed, you could lose your home. On the other hand, unless you use business credit cards for your business, you run the risk of commingling your personal and business expenses, and that makes them harder to manage.

The importance of business credit cards, especially for home-based businesses, cannot be disregarded. Whether the business is home- or office-based, the business needs to keep business finances separate from the owner’s personal finances. Business credit cards give owners the freedom to do just that. You will really appreciate this business credit card benefit when tax season comes and you download your business credit cards transaction history, as well as your monthly and annual reports, from your business credit card company’s website: tax filing becomes a breeze. Keep your personal and business finances separate with your business credit card; it’ll be good for you in the long run.

When you are just starting out your home-based business, you’re likely to incur big purchases. Use a business credit card to pay for office equipment such as computers. You will get some purchase protection, and this is one business credit card benefit that is impossible to overstate.

There are a number of ways to apply for a business credit card. You may be confused about which one of the many business credit cards offers to choose: there are so many flying around. You may want to talk with a friend who is business savvy before making any decision on which business credit card to get.

There may be downsides to using business credit cards, but prudent usage gives you a really effective financial tool. Any business needs credit; and business credit cards help you to establish just that for your home-based business. The best thing to do, if you have doubts on whether you should get a business credit card or not, is to talk to a business consultant about it.

Business Credit Cards Make Business Life Easier

If you are a small business owner then the best way to establish credit is by applying for a business credit card. By completing a business credit card application in the name of your business you are now building credit for the business and are more likely to receive favorable terms as far as interest rates and lines of credit are concerned.

These days, easily accessible credit has become an indispensable part of many businesses day to day fiscal operations. Because of this, businesses both large and small can find offers that are virtually specialized to meet their specific needs. So, business credit cards are available from a range of lenders, and these cards offer set credit limits to businesses, and enable businesses to make purchases up to the agreed limit and then spread the repayments by making a minimum repayment each month. These business credit cards are not tied to personal credit.

Business credit cards offer unique business oriented benefits and generally offer high lines of credit. These credit cards can offer rewards, savings on business products and services and the purchasing power of a credit card. Business credit cards will help your business grow; there is no doubt about it. Business owners also understand that securing a business credit card early on in the life of the business, helps the business to build its credit track record; and that the sooner a track record is established, the sooner the business will be able to carry the business credit card liabilities on its own.

Business credit cards are allocated for business use only and provide a simple track record of company expenses. Credit cards for businesses in general, and for small business in particular, have become increasingly popular as more and more businesses started realizing the benefits. Business credit cards have become popular as a source of financing for small businesses, since business credit card issuers often give up to 60 days in which you can pay the full statement amount, which can help your cash flow considerably. Business credit cards have gradually become one of the most common forms of business credit that assists businesses meet their urgent requirements, even when there is a deficiency of cash. Business, both large and small, are no different from private consumers when it comes to the benefits of credit cards, and many businesses rely on the convenience and flexibility of these cards in order to aid the smooth running of their finances. These credit cards open valuable avenues of financial assistance in the future through the bank or company that issued the small business credit line.

Business credit cards often secure preferential exchange rates to the business traveler. Card holders sometimes qualify for frequent miles or discounts on certain flights and at certain hotels. Business credit card issuers also arrange for worldwide emergency and travel assistance.

Business credit cards offering zero percent interest rates and reward rich incentives are advertised widely and business credit cards are going to be more widely marketed to small business owners in upcoming months.

As you can see, business credit cards are a wonderful thing if used properly and are a must for business people.

So, if you have a business do not put it off any longer, get a business credit card and save more time and money for your company today.

Art Taylor has been a successful internet marketer for 10 years. He publishes articles about credit cards and other internet marketplace products and services.