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	<title>Canada Financial Guide</title>
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	<link>http://www.canadianfinancialguide.com</link>
	<description></description>
	<pubDate>Fri, 02 Jul 2010 00:59:27 +0000</pubDate>
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		<title>Creating Your Own Effective Banner Display</title>
		<link>http://www.canadianfinancialguide.com/2010/05/creating-your-own-effective-banner-display/</link>
		<comments>http://www.canadianfinancialguide.com/2010/05/creating-your-own-effective-banner-display/#comments</comments>
		<pubDate>Mon, 31 May 2010 14:14:31 +0000</pubDate>
		<dc:creator>Adriana Noton</dc:creator>
		
		<category><![CDATA[Marketing]]></category>

		<category><![CDATA[Business]]></category>

		<category><![CDATA[display banner]]></category>

		<guid isPermaLink="false">http://www.canadianfinancialguide.com/?p=483</guid>
		<description><![CDATA[Trade shows are a great way for a business to showcase their products  or  services. In order to create a successful display that will attract   trade show attendees you need to have a professional and eye-catching   banner display. When designed properly, banner display stands are an   effective [...]]]></description>
			<content:encoded><![CDATA[<p>Trade shows are a great way for a business to showcase their products  or  services. In order to create a successful display that will attract   trade show attendees you need to have a professional and eye-catching   banner display. When designed properly, banner display stands are an   effective device that help a business attract attention and bring   attendees to the display. The purpose of a display banner is to have   people look at it and instantly understand what is being promoted.</p>
<p>Below are a number of tips to creating an effective banner display:</p>
<p>1. Before you begin to create your banner display you have to know  the  type of people that will be attending the trade show. The banner  stand  must be designed to target the audience you are trying to  attract. For  instance, will the attendees be the general public,  business buyers, or  wholesale suppliers? Also, will you be selling your  product on site or  will you be trying to promote your services or  products in an effort to  acquire large volume orders?</p>
<p>2. To attract the attention of nearby visitors walking by the display  as  well as visitors who are at a distance, your banner must be the   appropriate size and people can easily see and understand the message   from a distance. Fortunately banner displays are available in a wide   range of styles and sizes. It is important to pick the right size that   can be clearly seen from a distance. The message on the display has to   be clear and concise.</p>
<p>Using a “catch phrase” is essential to a banner display. It is  important  that it is short and to the point as the display should not  be filled  with too many words. As well, the phrase should have a clear  message  that indicates what the display is all about and entice people  to come  learn more about the product or service. Banners are available  in many  sizes and styles to create a visual experience that will draw  people to  the display.</p>
<p>3. It is essential to have the proper banner layout and design. The   catch phrase should be central and big enough to be viewed from a   distance. Other information should not be placed too close to the bottom   of the display because people will not want to look down to read. The   name of the company or product and website URL should be clear with the   URL placed near the bottom of the display. The most important   information should be placed at viewer eye level. There should be a   border of a few inches around the display.</p>
<p>4. The images and graphics should represent the product or service  being  marketed. The picture should be professional and reflect the  product or  service. Graphics should be professional, clear, with a high  quality  resolution. All images and graphics should be tasteful and  professional.<br />
If you are unable to use software to create professional graphics, it   may be wise to enlist the services of a graphic designer. It is   important to include your company or brand logo on the display.</p>
<p>5. To catch the attention of trade show attendees, it is important to   use color in you banner display. You should use the appropriate colors   that will make the display stand out in a professional way. When using   different colors, it is important that they blend well together.</p>
<p>The best way to attract visitors to a trade show display is to have a   professional and memorable <a href="http://www.createitdisplays.com/sub_department.cfm?id=13">banner   display stand</a>. With the right display, the more success you will   have reaching your targeted customers.</p>
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		<item>
		<title>Increase Sales By Increasing Customer Loyalty</title>
		<link>http://www.canadianfinancialguide.com/2010/05/increase-sales-by-increasing-customer-loyalty/</link>
		<comments>http://www.canadianfinancialguide.com/2010/05/increase-sales-by-increasing-customer-loyalty/#comments</comments>
		<pubDate>Fri, 14 May 2010 15:54:02 +0000</pubDate>
		<dc:creator>Adriana Noton</dc:creator>
		
		<category><![CDATA[Business]]></category>

		<category><![CDATA[Marketing]]></category>

		<guid isPermaLink="false">http://www.canadianfinancialguide.com/?p=482</guid>
		<description><![CDATA[


If you are a business owner or work in a business where you work with customers, customers want some customer loyalty. What does that include? Here are a few examples of what this means. This can be pretty helpful to ensure that your customers keep coming back. So, here are things that we customers value.
The [...]]]></description>
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<p>If you are a business owner or work in a business where you work with customers, customers want some customer loyalty. What does that include? Here are a few examples of what this means. This can be pretty helpful to ensure that your customers keep coming back. So, here are things that we customers value.</p>
<p>The first thing is to be respectful when you are talking to us. Give us your whole attention. Show that you are interested in what we have to say and just don&#8217;t dismiss us. Too often these days, people are rude on the phone as well as in person. Put distractions aside. Greet people with a smile. Ask what you can do for them. It&#8217;s as simple as that.</p>
<p>Another thing is to watch your tone. Different tones mean different things. For instance, you might find that you might sound bored. You might sound snappy even if it&#8217;s not the customer&#8217;s fault. We as the customers hear this and find it rude. Try not to take things out on us that might not have anything to do with us.</p>
<p>Ownership is something else you should practice with your customers. If you messed up, admit that you made a mistake. Then, go about to look for ways to say we messed up, let us make it better for you. Those who take ownership for what happens and then makes sure that it doesn&#8217;t happen again will make a customer happy and will more than likely keep them coming back.</p>
<p>Other things you can do is you can make sure that services are rendered in a timely manner. There are some places that don&#8217;t take into consideration when things happen. Those who put the customer first are those who will have customers that come back. They work with the client. If something can&#8217;t happen they work to ensure that things can happen as soon as possible.</p>
<p>Something else that promotes customer loyalty is that those who are working want to be there. You as an employer can tell if a person is happy to be doing their job or if they are there just to get the money. If they are just there for the money they might not care about the clients or customers. When this happens, you will find that people tend to see this and until your staff are composed of those who want to be there and are ready to help the customers, you don&#8217;t have any loyalty as they are only there for them. <a href="http://www.loyaltyone.com">Retail Marketing</a></p>
<p>Last of all, a customer will practice this when you take the customer&#8217;s word and they go out of their way. There are some places that learn who their customers are. There are some out there who say the customer is always right. This sort of plays along with the whole idea that you do what you can to make the customer happy.</p>
<p>When this happens, you find that customers who have a great time will keep coming back for great service. They will go about telling their friends as well that this place worked with me. They took care of me. This is how you establish customer loyalty. That is how it works. This is how you keep customers happy.</p>
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		<item>
		<title>New Home Buyers</title>
		<link>http://www.canadianfinancialguide.com/2010/03/new-home-buyers/</link>
		<comments>http://www.canadianfinancialguide.com/2010/03/new-home-buyers/#comments</comments>
		<pubDate>Wed, 24 Mar 2010 20:07:19 +0000</pubDate>
		<dc:creator>Adriana Noton</dc:creator>
		
		<category><![CDATA[Business]]></category>

		<category><![CDATA[Credit]]></category>

		<category><![CDATA[Financial]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[buyer]]></category>

		<category><![CDATA[home]]></category>

		<category><![CDATA[new buyer]]></category>

		<category><![CDATA[New home]]></category>

		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.canadianfinancialguide.com/?p=480</guid>
		<description><![CDATA[Buying a new home is an exciting time in ones life. Because it is  such a major purchase, you want to make sure that you have the knowledge  to make the right decisions. It will make the home buying process much  easier and will ensure that you have provided the best home [...]]]></description>
			<content:encoded><![CDATA[<p>Buying a new home is an exciting time in ones life. Because it is  such a major purchase, you want to make sure that you have the knowledge  to make the right decisions. It will make the home buying process much  easier and will ensure that you have provided the best home for you and  your family.</p>
<p>The following is a list of a number of tips that will help make your  new home buying experience a pleasant one:</p>
<p>1. Make a list of what type of home will meet your current and future  needs. This can include: the location, size of the property, number of  bedrooms, size of the rooms, and proximity to schools, work, parks,  stores, and other amenities. This will help you narrow your search. You  should consider enlisting the services of a real estate agent who can  help you find the right home at the right price.</p>
<p>2. Before you purchase a new home, you should decide if you can  afford to take on such a big investment. You will be required to make a  down payment. There are now 5% down payment deals available. Remember,  the less money down means the higher your monthly mortgage payments. You  will also be responsible for fees such as attorney fees, taxes,  registration fees, closing costs, etc. You also have to make sure you  can afford the monthly mortgage repayments. In order to secure a good  mortgage, you must make sure you have a good credit history. Check your  credit history to see if there are any errors or outstanding loans that  should be paid. It is essential that you purchase a home that you can  afford. There are online mortgage calculators that will help you  determine how much you can afford. It is also recommended that you get  pre-approved for a mortgage before you actually start searching for a  home. You will then not waste your time looking at homes you cant  afford.</p>
<p>3. If you have children or are planning to have children, research  the schools in the area where you are interested in living. You want to  make sure your children will get a quality education. As well, living in  an area with good schools increases the value of a home.</p>
<p>4. Before you make an offer on a home, make sure you hire a building  inspector to inspect the home for any problems. An inspector should look  at the foundation, plumbing/septic system, the structural integrity of  the home, roof, etc. The home inspection fee will can range from  $300-650 depending on the type of house and its features.</p>
<p>5. It is important to have an attorney represent you for the closing.  You will want to make sure that you are protected.</p>
<p>Purchasing a new home is a big life investment so it is important to    make sure that you are familiar with all that goes into the purchase.    This will help make the process run much smoother and less stressful    allowing you to focus on starting a new life in your very own home. <a href="http://www.fusionhomes.com/">London Ontario Homes</a></p>
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		<item>
		<title>Make Your Trade Show Booth A Success</title>
		<link>http://www.canadianfinancialguide.com/2010/03/make-your-trade-show-booth-a-success/</link>
		<comments>http://www.canadianfinancialguide.com/2010/03/make-your-trade-show-booth-a-success/#comments</comments>
		<pubDate>Mon, 22 Mar 2010 14:50:29 +0000</pubDate>
		<dc:creator>Adriana Noton</dc:creator>
		
		<category><![CDATA[Business]]></category>

		<category><![CDATA[Marketing]]></category>

		<category><![CDATA[advertising]]></category>

		<category><![CDATA[Trade Show]]></category>

		<category><![CDATA[Trade Show Booth]]></category>

		<guid isPermaLink="false">http://www.canadianfinancialguide.com/?p=481</guid>
		<description><![CDATA[Trade shows are a jumble of various businesses that are all  competing for customers at a single venue on a single date. In knowing  this, there are a few tips that you should take the time to consider  before you even begin to set up at a trade show in order to [...]]]></description>
			<content:encoded><![CDATA[<p><!--content with more link-->Trade shows are a jumble of various businesses that are all  competing for customers at a single venue on a single date. In knowing  this, there are a few tips that you should take the time to consider  before you even begin to set up at a trade show in order to make your <a href="http://www.createitdisplays.com/sub_department.cfm?id=13">banner  stand</a> and trade show booth a success.</p>
<p>First of all, take the time to develop a detailed plan about how you  plan on setting up your booth to attract the visitor’s eye. You should  start with a beginners mind set. Take the time to attend other trade  shows. Look for information that will help you with your booth as well  as any expert advice that you can find. You should also attend any  workshops that relate to the booth that you are seeking to set up.</p>
<p>Next, send out pre-show mailings as well as phone invitations. This  should be directed at everyone that will be present at the event. You  should begin to send these out no later than a month before the show.</p>
<p>You must also take the time to invest in quality. Be sure that you  are using exhibit materials that have easy to read graphics. Be sure  that it is key-word specific as well as having large and bold headline  graphics. Your potential customers are just browsing and you only have a  few seconds to grab their attention. These visitors should be able to  have a clear idea of what your booth is about and what types of products  or services that you are trying to sell.</p>
<p>Be sure that you are utilizing your whole team to reach your  objectives. Your most qualified and knowledgeable staff should present  your product. You should take the time to role play with these people so  that they will be able to get the practice that they are going to need  for the real thing. This will help them gain confidence to answer just  about any question as well as address any problem that may arise.</p>
<p>Always smile and never pounce on the visitors. When you are  aggressive with your prospective clients they may just hightail it and  run. Give them time to check out your booth. Answer any questions that  they may have and offer them additional information that they may  request. Be prepared to provide samples as needed.</p>
<p>Finally, be sure that you have either brochures or fliers to hand out  to the visitors to your booth. They should contain all the information  that is pertinent to your business. They should also include such things  as the days and hours of operation. Consider placing a coupon for a  free service or product just for stopping by your booth. Also consider  having other items such as pens and magnets that have your company logo  as well as your contact information. All of these will catch your  visitor’s attention and keep it even after the show.</p>
<p>Making your trade show experience a success does not have to be  rocket science. Taking the time to study all the tips above will help  your booth be a success each and every time.</p>
<p>Author<br />
Specializes in <a href="http://www.createitdisplays.com/">trade show display</a>, <a href="http://www.createitdisplays.com/">trade show booths</a>, trade show exhibits, display stands, banner stand, those are portable, lightweight and most of all, user friendly. Offering trade show display rental. Visit our gallery of hanging displays.</p>
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		<title>Web Design Leads To A Successful Online Business</title>
		<link>http://www.canadianfinancialguide.com/2010/01/web-design-leads-to-a-successful-online-business/</link>
		<comments>http://www.canadianfinancialguide.com/2010/01/web-design-leads-to-a-successful-online-business/#comments</comments>
		<pubDate>Fri, 15 Jan 2010 14:36:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Business]]></category>

		<category><![CDATA[web design]]></category>

		<guid isPermaLink="false">http://www.canadianfinancialguide.com/?p=479</guid>
		<description><![CDATA[Adriana Noton
You want the correct images in the correct place on your website home page. Successful Toronto web design is easy but you must create a memorable website image so visitors will keep coming back. You might want to visit your favorite websites that sells products and get some ideas to use for your site. [...]]]></description>
			<content:encoded><![CDATA[<p>Adriana Noton</p>
<p>You want the correct images in the correct place on your website home page. Successful Toronto web design is easy but you must create a memorable website image so visitors will keep coming back. You might want to visit your favorite websites that sells products and get some ideas to use for your site. But follow these basic steps for now. You will be able to add to your site later.</p>
<p>Place three to five images on your index or home page. Do this also for your core sub web pages. Assume that all people online just brought their computer home from the store. They therefore have 800 by 600 screen resolution and have a 56k modem.</p>
<p>Many if not most people use high speed internet buy assume for now they all have slow dial up to get online. Once you are set up you will be able to read your stats tool and find out what speed internet connection your visitors are using. You can adjust accordingly.</p>
<p>For now begin with three to five images on your home page of your website. A logo, an emotional image, and a product image will make up the images on your home page. The first and biggest image will be your logo. It will be the first image your website visitor will see. It will be for you, the most valuable image for an effective logo image will help your site stand out in your visitors mind.</p>
<p>Imagine how you shop online. Most visitors shop for products on many websites before they buy. A clean and professional logo will be memorable and people will want to make their way back to your site when they are ready to buy. Also, include up near your logo your telephone number, hours of operation, and information on how people can make a purchase; credit or debit card, or by pay pal for instance.</p>
<p>Before they buy people go back to a website five to seven times. You want to have a memorable logo and not simply your domain name written out at the top of your website. Think about memorable logos. When you see them you automatically think about the products the logo represents.</p>
<p>The emotional image should tell the benefits of your product in a photo. If you are selling iced tea, have images of people drinking your iced tea on a hot day. They are being refreshed by your tea. Your visitor will want the same feeling. Take a look at some sites to see if they have emotional images. Compare the sites with and without them. You will see how effective emotional images can be.</p>
<p>Place three to five product images. This way people with slow internet connections will not get impatient and leave your site because they had to wait a long time for your site to download. You can add more later when your stats show that most visitors have high speed connections. Many people create a website without a plan but not you. You will follow these web design tips and you will be on your way to success.</p>
<p>We utilize web design to generate dynamic results for our clients. Our web designers in Vancouver understand your needs and we employ trends and technology to deliver clear communication. To learn how to gain a competitive advantage through web design in Vancouver, please visit us!</p>
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		<title>Payment Gateway For Business Owners Helps You Work From Home</title>
		<link>http://www.canadianfinancialguide.com/2009/12/payment-gateway-for-business-owners-helps-you-work-from-home/</link>
		<comments>http://www.canadianfinancialguide.com/2009/12/payment-gateway-for-business-owners-helps-you-work-from-home/#comments</comments>
		<pubDate>Fri, 18 Dec 2009 19:57:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Business]]></category>

		<category><![CDATA[Financial]]></category>

		<category><![CDATA[payment gateway]]></category>

		<guid isPermaLink="false">http://www.canadianfinancialguide.com/?p=478</guid>
		<description><![CDATA[By Adriana Noton
A payment gateway for business owners online is very important if you are working out of your own home. This gateway is your connection with the customer so that you are able to accept all kinds of payments for what your are selling. In the world of business this is often referred to [...]]]></description>
			<content:encoded><![CDATA[<p>By Adriana Noton</p>
<p>A payment gateway for business owners online is very important if you are working out of your own home. This gateway is your connection with the customer so that you are able to accept all kinds of payments for what your are selling. In the world of business this is often referred to as ecommerce.</p>
<p>An internet payment gate way facilitates the process of completing a transaction between the buyer and the seller. They basically do it all, process, verify and accept the payment on your behalf. This allows people who own online businesses to accept many different types of electronic payments by means of a secure process as long as an internet connection exists.</p>
<p>The whole process works much like it does when you make a purchase in a store. You buy your merchandise and give your credit or debit card to the persons running the register to pay for your things. The only real difference between that and an online payment gateway is that you are unable to hand your card directly to someone. Instead, you simply enter the information off of your card onto an online form so it can be processed for payment.</p>
<p>The information you enter will not only include the number off of your credit or debit card, but also the name as it appears on the card and the small three digit number that is found on the back of the card which is referred to as the CVV. The payment is then deducted from the card and in a couple of days it is deposited in to the merchants account.</p>
<p>Online payment gateways are extremely secure, but you should still make sure the site you are buying from is one you can trust just for extra protection. One really good thing you can look for is an S immediately following the http in the address bar of the site you are buying from.</p>
<p>This doesn&#8217;t always guarantee a site is 100% secure, but it is a good initial sign. With an S in the address bar, the chances of your information being used without your permission are virtually non existent. This doesn&#8217;t mean, however, that as a merchant you can not create your own checkout. Creating your own is actually a lot better in many ways.</p>
<p>It can help you to give your customer base more of a sense of security since you have obviously taken the time to create something unique to your site instead of finding anything at all to use that is already available online. In addition to that, it blends in a lot better with a site because you aren&#8217;t displaying tons of third party ads or logos from other companies.</p>
<p>When you are running an online business from home this can cost a bit more than it would it other cases, but at the same time it is giving your customer base the security they need while also allowing you to have full control of things.</p>
<p>Another up side to all of this is that you won&#8217;t have to wait for days for things to be fixed if something should go wrong. This can potentially save you from losing customers in an instance where your check out it down. It is very frustrating for a customer to be ready to check out and pay only to discover your check out is not working at all. Many times, the person will go somewhere else to find a similar product and this usually ends up destroying any chances you had of gaining a future repeat customer.</p>
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		<title>Should Small Businesses Adapt to the Point of Sale System?</title>
		<link>http://www.canadianfinancialguide.com/2009/11/should-small-businesses-adapt-to-the-point-of-sale-system/</link>
		<comments>http://www.canadianfinancialguide.com/2009/11/should-small-businesses-adapt-to-the-point-of-sale-system/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 17:13:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Business]]></category>

		<category><![CDATA[point of sale]]></category>

		<category><![CDATA[pos]]></category>

		<guid isPermaLink="false">http://www.canadianfinancialguide.com/?p=477</guid>
		<description><![CDATA[Adriana Noton
In earlier times, a cash register along with a pen and notebook were sufficient means for processing and keeping track of transactions. But as small business has grown more and more complex, so have its needs for greater efficiency in completing such tasks. Even very small retail businesses for whom these antiquated systems appear [...]]]></description>
			<content:encoded><![CDATA[<p>Adriana Noton</p>
<p>In earlier times, a cash register along with a pen and notebook were sufficient means for processing and keeping track of transactions.<span> </span>But as small business has grown more and more complex, so have its needs for greater efficiency in completing such tasks.<span> </span>Even very small retail businesses for whom these antiquated systems appear to be adequate can benefit greatly from adapting to a computerized point of sale system.<span> </span>Installing POS hardware and software can help businesses of any size stay competitive and analyze their sales.</p>
<p class="MsoNormal"><strong><span style="font-family: Arial;">Benefits</span></strong></p>
<p class="MsoNormal"><span style="font-family: Arial;">Point of sale systems have many benefits.<span> </span>First, they provide a detailed, real-time account of sales.<span> </span>This allows business owners to analyze what is selling and what is not and adjust their marketing initiatives accordingly.</span></p>
<p class="MsoNormal"><span style="font-family: Arial;">POS systems improve customer service because it speeds up the checkout process and ensures maximum accuracy.<span> </span>Payments can be processed by credit card, cash, debit card, or gift card at the touch of a button.</span></p>
<p class="MsoNormal"><span style="font-family: Arial;">Inventory management can also be performed by a good point of sale system.<span> </span>Just as you can see in real-time what is selling, you can see what you are running low on.<span> </span></span></p>
<p class="MsoNormal"><span style="font-family: Arial;">A good point of sale system will improve your marketing strategy by handling the management of gift cards, coupons, and loyalty programs.<span> </span>Real-time reports of the success of marketing programs allow you to tweak your strategy for maximum effectiveness.</span></p>
<p class="MsoNormal"><span style="font-family: Arial;">POS systems improve efficiency by allowing you to spend less time on paperwork, accounting, inventory management, sales record keeping, as well as managing such programs as marketing, special advertising programs, loyalty programs, discount programs, and much more.</span></p>
<p class="MsoNormal"><span style="font-family: Arial;">Retail software helps keep track of sensitive information such as customer personal information, staff payroll, customer billing and shipping, vendor listings, and inventory management.</span></p>
<p class="MsoNormal"><strong><span style="font-family: Arial;">Cost</span></strong></p>
<p class="MsoNormal"><span style="font-family: Arial;">The numerous benefits of a POS system make it an indispensable business investment. The type of retail software a small business chooses depends on the type of business, size of the business, amount of sales, and the type and amount of inventory.<span> </span>There is a wide number of POS systems available, at many different price levels.<span> </span></span></p>
<p class="MsoNormal"><span style="font-family: Arial;">When determining which POS system is right for your business, it is important to establish a budget.<span> </span>Keep in mind, however, that the benefits of having such a system will eventually outweigh the cost.<span> </span>Point of sale systems allow for better management of a business, improve customer satisfaction, and help increase sales.<span> </span>With POS, businesses are able to run a more effective and efficient operation.<span> </span>How much is that worth?</span></p>
<p class="MsoNormal"><strong><span style="font-family: Arial;">Make the Leap</span></strong></p>
<p class="MsoNormal"><span style="font-family: Arial; color: #1d1d1d;">Though it may be a little scary to jump into such new technology, there is good news.<span> </span>POS systems and software are easy to learn. Most software sellers will offer free training to staff and management.<span> </span>Installation and maintenance are usually not difficult, and providers often offer this service as well as maintenance contract options. And, as always, technical support is only a phone call away.<span> </span>Once you see all the benefits of a POS system, you’ll be glad you adapted to retail technology.</span></p>
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		<title>Bar Code Technology – Saving Time and Money</title>
		<link>http://www.canadianfinancialguide.com/2009/09/bar-code-technology-%e2%80%93-saving-time-and-money/</link>
		<comments>http://www.canadianfinancialguide.com/2009/09/bar-code-technology-%e2%80%93-saving-time-and-money/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 16:21:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Business]]></category>

		<category><![CDATA[Marketing]]></category>

		<guid isPermaLink="false">http://www.canadianfinancialguide.com/?p=476</guid>
		<description><![CDATA[ By Amy Nutt
For those who are not familiar with bar codes, they are a series of lines black lines and spaces or various widths that stand for numbers and /or letters, and punctuation symbols.  The codes are found on most items produced today to uniquely identify items with a scanner. The scanner reflects [...]]]></description>
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<p class="MsoNormal">For those who are not familiar with bar codes, they are a series of lines black lines and spaces or various widths that stand for numbers and /or letters, and punctuation symbols. <span> </span>The codes are found on most items produced today to uniquely identify items with a scanner. The scanner reflects light off the code and in turn reads the information, translates the code into numbers and letters that get processed and read by the computer.</p>
<p class="MsoNormal">
<p class="MsoNormal">Bar codes, or UPCs (Universal Product Codes) were first used in 1974 and the first item scanned was a package of Wrigley&#8217;s Juicy Fruit gum (10 pack), which has since been put on display at the Smithsonian. At that point in time, it was projected that there would be a savings to producers of good, of just under $1.5 billion but it turns out that the estimate was incorrect and the actual savings is an impressive $17 billion a year.</p>
<p class="MsoNormal">
<p class="MsoNormal">Benefits of Bar Coding</p>
<p class="MsoNormal">
<p class="MsoNormal">There are several reasons for using bar codes which prove there usefulness:</p>
<p class="MsoNormal">
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">Collection      of data quickly- in fact a scanner can record the information and enter      it<span> </span>up to seven times faster than a      skilled typist doing<span> </span>the work      manually. The accuracy is also much improved - up to 10, 000 times better.      It is estimated that bar codes<span> </span>make      1 error for every 3 million scan made as opposed to manual errors      averaging in at 1 in every 300</li>
<li class="MsoNormal">Scanning      also reduces labor costs, relieving workers from manual data entry. It      helps to keep better records of inventory and sales and saves time again      for the worker searching inventory physically in order to find stock.</li>
<li class="MsoNormal">Access      to information is increased as well as increased access to details about      inventory and products. This helps with decision making when ordering and      restocking items which would otherwise involve making long tedious lists.      It helps by keeping a tighter hold on inventory control thus helping to      eliminate duplicate orders or overstocking of items.</li>
</ul>
<p class="MsoNormal" style="margin-left: 0.25in;">
<p class="MsoNormal">Ways that Bar Codes are used:</p>
<p class="MsoNormal">
<p class="MsoNormal">Bar codes can be used for more than just flagging prices and inventory for groceries and items purchased everyday by millions of consumers. For example:</p>
<p class="MsoNormal">
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal">The      most common is the point-of–sale, where the items we purchase as consumers      are scanned at the cash register. This saves on labor costs.</li>
<li class="MsoNormal">Bar      codes can be used for manufacturing industries to track the progress of      the stages of work being done on a project. It can keep detailed      information on how much product is being used at each step of the      manufacturing process.</li>
<li class="MsoNormal">Inventory      can be easily controlled by the scanning process. Tracking goods that are      being shipped or received is quick work using UPCs compared to doing it      manually. Data can be uploaded from a handheld scanner into a company’s      main computer at regular intervals (commonly referred to as Batch). It      also drastically reduces time and effort when conducting annual inventory      controls and counts, keeping time consumption low and costs down.</li>
<li class="MsoNormal">Coding      is also now used for security practices, providing bar coded tags to grant      access to employees into their designated areas of work. In addition to      granting access, many of these ID Tags are also used to keep track of      employee time sheets and payroll.</li>
<li class="MsoNormal">In the      case of packaging, bar code printers produce a sticker to help identify      parts and serial number for shipping goods. This helps in shipping and      enhances the ability to track shipped items.</li>
<li class="MsoNormal">Offices      such as medical and dental can use bar coding as a means to keep complex      patient records sorted more easily.<span> </span>By coding the boxes on forms filled out by the patient or doctor      sorting through that information or compiling similar information for      reports makes this chore a simple and quicker one. The result is better      and faster patient service.</li>
</ul>
<p class="MsoNormal">
<p class="MsoNormal">The introduction of UPCs has changed how companies handle time, money, and makes them cost effective and more efficient.</p>
<p class="MsoNormal"><span style="font-size: 11pt;"> </span></p>
<p class="MsoNormal"><span style="font-size: 11pt;"> </span></p>
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		<title>What you should know about New Homes Financing</title>
		<link>http://www.canadianfinancialguide.com/2009/03/what-you-should-know-about-new-homes-financing/</link>
		<comments>http://www.canadianfinancialguide.com/2009/03/what-you-should-know-about-new-homes-financing/#comments</comments>
		<pubDate>Tue, 17 Mar 2009 13:12:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Financial]]></category>

		<category><![CDATA[new homes financing]]></category>

		<guid isPermaLink="false">http://www.canadianfinancialguide.com/?p=473</guid>
		<description><![CDATA[Introduction
There has been a lot said about how the bottom has fallen out of the housing market and as a result of that falling out, home prices are lower now than they have been in years. While this can pose a problem for people looking to sell their houses, it is great for people looking [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Introduction</strong></p>
<p>There has been a lot said about how the bottom has fallen out of the housing market and as a result of that falling out, home prices are lower now than they have been in years. While this can pose a problem for people looking to sell their houses, it is great for people looking to buy because it means that they can save a lot of money by purchasing a new home right now than they would by purchasing it a few years from now. That having been said however, the issue of new homes financing is a lot more complex right now during recessionary times than it would be in a market where more people were willing to lend money. As a result of that complexity, there are things that you need to know about <a href="http://www.fusionhomes.com">new homes</a> financing that you would not need to know otherwise.</p>
<p><strong>Interest Rates</strong></p>
<p>The first thing that you need to know about new homes financing in the current market is that there is a large amount of volatility. This means that the market can go up one day and go down a lot the next day and that makes it hard to predict what interest rates will be from day to day. Therefore, if you are financing a new home through a deal that has the interest rate variable, your rate will be wildly changing as market conditions change. For this reason, many of the experts in the market recommend that your new homes financing plan should utilize a fixed interest rate rather than a variable one. While you may have to give up some provisions in other parts of the mortgage in order to get that fixed interest rate, your heart rate will thank you later on.</p>
<p><strong>Terms</strong></p>
<p>In spite of the buyer’s market for houses right now, few people are in a financial situation where they can afford a new home. In order to entice people into purchasing homes, many mortgages are now offering terms that seem very sweet on the surface, but are not really that sweet upon closer inspection. A mortgage that lasts for 40 years might seem sweet because of the slightly lower monthly payments that you are getting, but if you think about the larger amounts of interest over the long term, you will realize that you are actually paying a huge amount of extra interest over the extra 15 to 20 years that the mortgage is running. This has the effect of wiping out the savings you would earn from the cheaper home price and therefore is a far less attractive deal than you might think at first. Most experts therefore agree that being wary of these types of deals is important when you are shopping around for new homes financing.</p>
<p><strong>Conclusion</strong></p>
<p>New homes financing can be great to people in times of recession because it allows them to save money on the houses they buy, but there are also more tricks to be aware of. If you make yourself aware of those tricks, you can enjoy many good times in your new and cheaper house.</p>
<p><a href="http://www.fusionhomes.com">London Ontario Home</a></p>
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		<title>Monster Customer Service Blunders and How to Avoid Them</title>
		<link>http://www.canadianfinancialguide.com/2008/10/monster-customer-service-blunders-and-how-to-avoid-them/</link>
		<comments>http://www.canadianfinancialguide.com/2008/10/monster-customer-service-blunders-and-how-to-avoid-them/#comments</comments>
		<pubDate>Fri, 31 Oct 2008 23:44:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Business]]></category>

		<category><![CDATA[career training]]></category>

		<category><![CDATA[customer service training]]></category>

		<category><![CDATA[motivational seminar]]></category>

		<category><![CDATA[sales training]]></category>

		<guid isPermaLink="false">http://www.canadianfinancialguide.com/?p=472</guid>
		<description><![CDATA[by Paul Levesque
Despite all the rumbling and grumbling about poor customer service, there are always a handful of renegade businesses that somehow find ways to keep their workers fired up and their customers delighted and coming back for more. In these rarified places, highly motivated employees pursue customer delight with a passion; they ignite a [...]]]></description>
			<content:encoded><![CDATA[<p>by Paul Levesque</p>
<p>Despite all the rumbling and grumbling about poor customer service, there are always a handful of renegade businesses that somehow find ways to keep their workers fired up and their customers delighted and coming back for more. In these rarified places, highly motivated employees pursue customer delight with a passion; they ignite a flashpoint of contagious enthusiasm that spreads throughout the organization like wildfire.</p>
<p>How do they do it? They conscientiously avoid what I call the Top 5 Monster Customer Service Blunders”:</p>
<p>Monster Blunder #1: Trying to solve the problem with superficial employee training. Workers call it smile training programs intended to convince staff to look and sound more cheerful, while giving them no particular reason to feel any more cheerful. When you boil it down, this kind of training does nothing more than itemize the specific service behaviors workers are expected to exhibit. It then becomes managements job to somehow enforce these designated behaviors into the daily operation of the business. If this approach has any effect at all, it typically creates conduct that strikes customers as mechanical and insincere. Worse, it often intensifies worker resentment and cynicism.</p>
<p>Instead of attempting to dictate what workers should be doing to delight customers, the better approach is to give workers opportunities to generate their own ideas for delivering a better customer experience. Managements role then becomes helping employees implement these ideas, allowing workers to enjoy the motivational boost they derive from positive feedback from delighted customers. This level of employee ownership and involvement is a key cultural characteristic of virtually all flashpoint businesses.</p>
<p>TO AVOID THE BLUNDER: Train managers and supervisors, not just employees, to facilitate interactive brainstorming sessions in which employees come up with their own strategies for improving the customer experience.</p>
<p>Monster Blunder #2: Blaming poor service on employee cynicism. When business leaders complain to me about the cynicism of their workers, I’m always inclined to ask them if they believe these workers were already cynical before their first day on the job. If so, the organizations hiring practices are clearly not working very well. If not, then the cynicism may be a direct product of something in the organizational culture.</p>
<p>Employee cynicism is the direct product of an organizations visible preoccupation with self-interest above all else a purely internal focus. The focus in flashpoint businesses is directed outward, toward the interests of customers and the community at large. This fundamental difference in cultural focus makes all the difference in the world.</p>
<p>TO AVOID THE BLUNDER: Instead of trying to fix the employees, set out to fix the culture by removing operational obstacles to customer delight. Invite workers to participate in identifying and removing cultural roadblocks to further enhance their sense of involvement and ownership.</p>
<p>Monster Blunder #3: Using negative customer feedback as the primary basis for action. Businesses often implement elaborate customer surveys and other feedback mechanisms but then use them primarily to highlight customer problems and complaints. Employees come to dread these measurement and data-gathering initiatives, since the emphasis is always on the negative, on finding out whos to blame for anything and everything that went wrong.</p>
<p>Flashpoint businesses, too, rely on a variety of customer feedback tools but for an entirely different purpose. Here its positive feedback that becomes the primary basis for action. Feedback is used to uncover and highlight everything thats going right. Managers actively seek out hero stories examples of employees going the extra mile to deliver delight. Positive feedback is the catalyst for ongoing recognition and celebration. In this kind of culture, theres always some new reason for cheering and hoopla. Its why employees in flashpoint businesses find it easy to see themselves as winners on a winning team.</p>
<p>TO AVOID THE BLUNDER: Start using your own customer feedback data to uncover and celebrate examples of service excellence.</p>
<p>Monster Blunder #4: Reserving top recognition for heroic recoveries. Does this scenario sound familiar? A customers order gets fouled up, and a dedicated employee catches the problem and goes to heroic lengths to correct the situation or make up for it in some way. The appreciative customer advises management of this employees heroic initiative and management in turn gives the employee special recognition for his or her efforts. You may be wondering, Wheres the blunder in this?</p>
<p>Its a monster blunder when these kinds of recoveries are the primary if not the only sources of employee recognition. If foul-ups represent workers only chance to feel appreciated on the job, then in effect such foul-ups become almost precious to the workers. If, later, management announces that steps are being taken to correct these foul-ups for good, its news that may not win much support from employees. It can feel like this kind of corrective action will rob them of their only chance to shine.</p>
<p>Flashpoint businesses celebrate heroic recoveries, of course but they hand out the splashiest recognition to employees who delighted customers where no foul-ups were involved. This makes it easier to motivate workers to strive for the elimination of operational problems.</p>
<p>TO AVOID THE BLUNDER: Reserve your most extravagant recognition for service champions who deliver delight in routine transactions that have no element of heroic recovery associated with them.</p>
<p>Monster Blunder #5: Competing on price. This is one of the most commonplace (and costliest) mistakes in business. When it comes to purchasing decisions, price becomes the ultimate deciding factor only in cases where everything else is equal which is almost never. Theres usually at least one little something that gives one business an edge over another one. The real competitive advantage belongs to the business with the highest perception of value, not the one with the lowest price. The overall sense of value is based on the total customer experience, which takes into account less tangible factors, such as helpfulness, friendliness and the personal touch. These values often allow businesses to retain their competitive edge despite slightly higher prices.</p>
<p>TO AVOID THE BLUNDER: Institute a formal process by which employees can continuously come up with new ways to expand customers perception of value.</p>
<p>Concluding Thoughts: The kind of customer-focused cultures we find in flashpoint businesses obviously don’t happen by accident. These organizations create, implement and refine a process for producing delighted customers. A good place to begin is to stop the top five customer service blunder monsters from rearing their ugly heads in your organization.</p>
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