The direct sales industry has got to be one of the leading industries that most entrepreneurs are choosing to get involved with for the following reasons:

1. Lower Start Up

2. Independent Hours

3. Boss Free

4. High Commissions

5. Passive Income

6. Time Freedom


Lower Start Up:

Most direct sales businesses are much cheaper to start compared to franchise models that require 0,000 plus capital. However some direct selling compensation models have the potential to make up to 10 times the profit than most franchises.

Independent Hours:

Independent direct selling distributors work independent from the company & are in position to set their own hours.

Boss Free:

People who have a hard time working for other people tend to do very well in this industry. They do however have to be able to function well without constant supervision & this takes a lot of self discipline to accomplish this.

High Commissions:

This is one of the main reasons why most entrepreneurs are choosing to get involved with the direct sales model. The direct selling companies save a lot of money by eliminating the retailers so they can afford to inflate the compensation plan highly in favour of the distributors who after all are doing most of the work. In this industry you are paid for your efforts instead of your time. The more you put into your business the more you will be rewarded.

Passive Income:

Most direct selling companies will reward distributors who are good team players or leaders with an infinity bonus. This is basically an extra income stream that you are able to receive each month without your constant extra effort. Passive income is what most wealthy people have used as leverage that made them wealthy.

Time Freedom:

In direct selling you can use the power of leverage (team efforts) to leverage your time. The result is more income in less time. When someone gets paid by the hour there is a cap on how much money that they can make. When you are paid for your efforts you have the potential to make a lot more.

Direct Sales

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Impact of oil prices on the stock market is inversely proportional. A shoot in oil prices leads to a nose dive in the stock market. And a decrease in oil price on an average leads to a higher stock market return. So, the effect of oil prices becomes predictable in the stock market. The effect is profound when the oil prices increase in the magnitude of 50% to 100% annually. The reasons being:

1. Any movement in the oil prices results in uncertainty in the stock market.


2. Higher the oil prices, higher the transportation, production and heating costs.

Say, a decrease in the oil prices by 10% in US will result in the expected return to double up on the stock market in the following month. The waves of the impact on the world market index will make its presence felt significantly. Though the stock market moves in the opposite direction with respect to oil prices, it is basically a one way traffic. The stock market returns has no impact on the crude oil prices.

The entire stock market does not get equally or at the same time affected by the fluctuation in the oil prices. It is rather subtle. The US industrial sectors that get most affected with rise in oil prices are:

1. The cyclical Services sector gets most negatively influenced. They constitute the general retailers, support services, media, entertainment, leisure, hotels and transport.

2. The sector which follows next in order is Cyclical Consumer goods. These include household goods, textiles, automobiles and parts.

3. The next negatively influenced sector is the Financials. They comprise of investment companies, banks, life, assurance, insurance, real estate, specialty and other finance.

During an oil price rise, it is advisable to hold on to energy stocks shift focus from the mass market general retailers. It is a rather straight forward approach. Rising oil prices results in the escalation in the prices of fuels and lubricants along with passenger transport mediums either by road or air. For example, it takes a cup of crude oil in the production of the plastic for a single disposable nappy.

With the gradual fading of the interest rates and the rapid diversion of the disposable incomes in catering to the ever rising household energy bills, there is actually little scope for any discretionary expense on the high street. That is the reason why mass market retailers ought to be avoided with respect to stock investments

Impact of Oil Prices on the Stock Market

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Widnes market, to my memory, has always been a thriving market. I remember as a child going to the indoor and outdoor (the old not the new!) market stalls with my mum for whatever bargains were available. Often I have thought of markets as a thing of the past, and indeed they are a dying trade in a lot of areas. But Widnes, for whatever reason, has managed to not only stay afloat but is very much a mainstay of the community.

Selection is nothing short of excellent, with pet stores, carpet and DIY stores, hairdressers and even bodybuilding stores! And for anyone who travels for this market it is plain to see that there are bargains to be had that are pretty competitive to high street prices.


Business days are as follows

Monday - Open

Tuesday - Closed

Wednesday - Open - OUTSIDE FLEA MARKET!!

Thursday - Open, but not a very busy day

Friday - Open

Saturday - Open

Sunday - Closed

Widnes Market is situated opposite Morrisons Supermarket and the Greenoaks Shopping Centre, and is a short walk from both Widnes High Street and the new Widnes Shopping Park.

Most days from 930 onwards Widnes market is busy, surprisingly busy for most of the time, and most of the days it is open. There are a couple of cafes in the market and on busier days (Saturday and Mondays mainly) there are some food vendors who set up selling hotdogs and burgers etc. A nice touch to the market is during festive periods where they set up small rides for children, usually pretty cool ones and not the usual run of the mill rubbish you see.

To end this, I can honestly say that Widnes Market is one of the best, most thriving and busy markets still around and certainly in the region. Highly recommended!

Widnes Market

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Marketing research "The systematic gathering, recording and analyzing data about problems relating to the marketing of goods and services".

Market research on the other hand, is only a part of marketing research that covers a few of aspects of marketing. It is only the sub function of marketing research 'some companies use "market research" for describing research into markets the size geographical distribution incomes, and so on. However it fails to cover the idea of research into the effects of marketing efforts on markets, for which the term marketing research is the accurate. Elements of marketing research.

\"market Research\"

1. Market Research. It covers the aspects regarding size and nature of the market including export markets dividing the consumers in terms, of their age, sex, income (market segmentation), economic aspects of marketing etc.

2. Sales Research. This relates to the problem regional variations in sales fixing sales territories, measurement of the effectiveness of salesman, evaluation of sales methods and incentives, etc.

3. Product Research. This relates to the analysis of strengths and or weakness of existing product testing problems relating to diversification, simplification, trading up and trading down (all product line decisions), etc.

4. Packaging Research. In essence, it is a part of product research. But the recent development in packaging and its contribution in the advertising made it to occupy an independent position. This necessitates a separate study concerning the aspects of package to know its impact and response in the market.

5. Advertising Research. It undertakes a study relating to the preparation of advertisement copy (copy research), media to be used (media research) and measurement of advertising effectiveness.

6. Business Economic Research. Problems relating to input output analysis, forecasting, price and profit analysis, and preparation of break -even charts are the main fields of the research.

7. Export Marketing Research. This research is intended to study the export potentials of the product. In such cases any or all kinds of research mentioned above become necessary.

Marketing Research & Elements of Marketing Research

Elements of the Marketing Research

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Every Sales call is as unique as a customer. A Sales person gets to detail how a product or service works and why it is better than what the customer uses already. Though selling is all about Detailing Features and Benefits, a Sales call has its own Grammar. Grammar to a sales call? Yes. A sales call has many parts to it even if it is a 2 minute sales call. Honing in on those two minutes is very important.

After Greeting a customer appropriately, the first statement becomes crucial as it helps in getting the customer's attention 100% and gets the customer interested in the conversation. This Opening statement helps in leading the customer into the sales call and hence it is very vital.


Once the customer's attention is with the sales person, he should use a set of Closed or Open Ended questions to understand the needs of the customer. The choice of an Open or a Closed end question will depend on what needs to be learnt. Closed ended questions will normally elicit a "yes" or "No" answer. Open ended questions should be used when the sales person needs to explore more and need to know more. These are called probing techniques to know more about Customer's needs and wants.

Basis the answers to the probe used, the sales person has to choose the product or service. The features of the product(s) chosen should address the understood needs of the customer. This has to be detailed by converting Features into respective Benefits. Generally the customer interest will grow at this point and signs of agreement can be seen when this detailing is done correctly.

The sales person should summarize the understood needs and Solutions offered.

The sales person should look for any objections or clarifications, if any.

If there are objections, the sales person should handle it. The objections could be real or false. A real objection generally arises out of a misunderstanding of either the needs by the sales person or the solutions by the customer. Going back to the detailing of Features and Benefits and setting right the misunderstood part will help overcome this. A False objection arises when the customer is not yet ready to buy the solution(for whatever reasons). Restating the Features and Benefits and requesting the customer to think over it will help overcome this.

If there are no objections, the sales person should immediately close the call by taking a commitment from the customer towards buying the solution. It is generally an order to buy the product/service.

In any part of the call, if the customer gives a commitment to buy, irrespective of what stage the call is in, the sales person should close the call. This is very important.

Close, Close, Close---it is very important in Selling.

You can look forward to my future post on "Grammatical mistakes in a Sales Call". Till then......Happy Selling!

Originally posted on

Grammar of a Sales Call

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The stock market ticker tape is, now, a computerized unit that relays information about a stock's trading activity to investors around the world. The stock market ticker tape's information includes the stocks' symbol on the exchanges, the latest price per share, and its trading volume. Before computerized methods, stock market ticker symbols were printed out on a thin piece of paper that continuously streamed out of a ticker-tape machine. The stock ticker-tape machine was invented in 1867 in the aftermath of the development of the telegraph machine. In those days, "pad shovers" were employed to feed the tape to brokers in their offices; brokers would set up offices as near as possible to the New York Stock Exchange, etc, so that they could get the feeds via wire as quickly as possible. With globalization and computers this sort of setup is clearly no longer needed.

Stock market ticker symbols are the letters (once in a while also numbers) used to denote a particular security that is being traded publicly and/or on stock exchanges. This symbol is chosen by the company when it begins issuing shares for public trading, and it's what is used to track stock activity and place buy or sell orders by investors. These brief symbols are necessary to streamline the vast amount of activity information that flows through stock exchanges on every business day. Without the stock market ticker symbols, confusion and turpitude would reign in the stock market.


People who tune into TV shows like MSNBC Business will see streaming stock market ticker symbols going across the bottom of the TV screen. These can be tricky to understand unless you know what they are all about; how to read the symbolic language.

Investopedia comments, "Stock symbols are the most recognized type of ticker symbol. Stocks listed and traded on U.S. exchanges such as the NYSE have symbols with up to three letters. Nasdaq-listed stocks have four-letter symbols. Ticker symbols for options are structured to represent the underlying stock ticker they are based on and also their expiration date and contract type (either a put or a call option). Mutual fund ticker symbols are usually alphanumeric and end with the letter X to differentiate them from stock symbols."

"Ticker" comes from the conceptual word of "tick", which is any activity of a stock whether it be up or down. A stock market ticker symbol readout will include, in order from left to right: the unique call letters of a specific security; the volume or number of shares traded (K = 1,000, M = 1,000,000 and B = 1,000,000,000); the last bid price for that stock, which is considered its price until there is a new bid; an up- or down- arrow that indicates if the stock's price is down or up from where it started the trading day; and the change amount, or the difference in price from the previous trading day's closing price.

Once you know what you are looking at and looking for, the stock market ticker symbols become easy to read and bring you a wealth of information you need if you are going to successfully trade in stocks.

Stock Market Ticker Tape

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The measurement of marketing phenomenon is fundamental to provide meaningful information for marketing decision making.

Measurement transforms the characteristics of an object into a form that can be analyzed by a research. Normally, scales are used to measure response and classified into following four categories:

\"market Research\"

1. Nominal

2. Ordinal

3. Interval

4. Ratio

1. Nominal:

A nominal scale is one in which numbers are only used as labels and have no quantitative or numerical significance. Variables such as sex, geographic location, occupation, religion, brand awareness are studied under nominal scales.

2. Ordinal scales:

Ordinal scales are used to measure attitudes, preferences, occupation, social classes etc. Ordinal scales help to place different entities like objects, individuals or responses in relative position with respect to a particular aspect.

3. Interval scales:

This scale is used to measure common statistical measures such as range, standard deviation and correlation. A researcher gauges preference, liking or importance of a particular aspect of brand on a continuous basis and distance between one point of scale to another is the same.

4. Ratio scales:

These are the most powerful of the above scales. Unlike interval scales they have a zero point. They can be used for all kind of statistical calculation. They are used for variables such as age, number of customers, sales, costs, height, length etc.

Selecting the appropriate scale to use: Before finalizing on the scale usage, it is advisable to consider the following aspects,

1. Type/details of information required.

2. Time and cost constraints.

3. Literary level of target respondents (for easy communication)

4. Stimulus characteristics

5. Analysis methodology to be used

6. Past experience to be used

7. Rural vs. urban context

8. Expected and desired response

Types of Scales in Market Research

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In this next installment of my keys to success series, I want to touch on three more keys to success which are establishing a routine, understanding buyer psychology and doing market research. These are just as critical as any other for having success online.

Establishing a routine may be one of the hardest things for a marketer to do even though it should be one of the easiest. This really comes down to how disciplined a person you are. Personally, I get up every morning at 7 AM and get right to work, even before I have breakfast, which I eat while I work. I have everything typed up in a spreadsheet as far as what I have to do for the day. As i complete each item, I cross it off and move on to the next item. I do this until all the items for the day are completed. This is not something I even have to think about anymore. After establishing this routine now for over 4 years, it just comes naturally. This is one of the main reasons I am earning a five figure a month income.

\"market Research\"

Understanding buyer psychology is critical to being able to make sales. If you don't understand why a person wants something, you can't sell to them. This is one of the areas where expert copywriters are king. They know all the hot buttons to push when it comes to selling to their target market because they know what makes people tick. While I can't give you a complete course on buyer psychology in an article, I can tell you that the main reason that people buy things is to relieve pain or to make themselves feel better. We don't buy things because we need them. We buy things because they solve some kind of a problem and make us feel better because of it. If your product or service can tap into this, then you're ahead of the game.

Finally, there is market research. This is so important because without it you won't even know if there is a demand for your product or not. Doing market research is time consuming, but it's not hard. The best way to do market research is to go to forums in the niche you're targeting and see what people are looking for. This way you can tell if the product you are selling, or thinking of creating, actually has a market. Also, look on the Internet and see if products like yours are already being sold. If so, then there is a good chance that the market exists.

Establishing a routine, understanding buyer psychology and doing market research are three keys to having success on the Internet with your business.

To YOUR Success,

Steven Wagenheim

The Keys To Success - Routine, Buyer Psychology, Market Research

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Home mortgage is a complex field to understand. It simply gives you the option to acquire a particular home or piece of land on debt basis. It is certainly a viable option for some landowners. Applying for home mortgage is always a daunting task for everyone. But applying online can be a bit easier for you. So, further in this article we are going to talk about some of the tips and guidelines that could help you apply for home loan on the net. So, if you are looking for some relevant information regarding this topic then make sure you read this article properly.

I would like to tell you that there are quite a few online firms that proffer online submission for house mortgages. Online home loans have certainly developed a lot. This is an easy way of securing a great deal in home mortgage. Internet makes quite a few alternatives come obtainable as you don't have to stopover any financial institution. This even allows vital loan documents to be noticed with a neighboring attorney in the retreat of your own house or residence.

\"market Research\"

Now, given below are some of the essential guidelines to follow in this regard. Make sure you consider them at least once.

1. First of all, you need to understand that online home mortgage is just like other types of home mortgages. Here you need to do ample market research and assemble all the vital information regarding your home mortgage options.

2. The second thing to do is to make a complete listing of your assets. This list should also include all your liquid assets. It is of utmost importance to do so. These listings can be used as legal proof to attest with your other essential documents.

3. Now, you need to decide upon the right mortgage lender online. This can be a difficult task. So, make sure you only opt for some reputed names in this industry. You also need to consider their experience and expertise in this field. Once you select them just download their online form and submit it after filling in the necessary details.

4. Once you get an access to all the official quotes, make sure you negotiate their entire fees. There are some additional fees that you must avoid paying. Some reputable banks and institutions would not ask for such a payment.

So, this was all about applying for home mortgage on the internet. Make sure you consider all these options. Don't forget to read this article once.

Applying For a Home Mortgage on the Net

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Originally when Starbucks began they targeted the young college students, with slightly higher than average income levels. After this initial target market Starbucks has since realized that they could target specific neighborhoods and social classes. Different customers are more willing to pay for luxury good now more than ever. With that in mind, through Starbucks aggressive expansion techniques they have begun targeting almost every demographic.

"McDonald's is planning to capitalize on the public's willingness to pay for a cup of coffee by hiring baristas and dropping espresso machines in 14,000 of their fast-food outlets. Meanwhile, Starbucks, with business lagging, is fighting back with an "if you can't beat 'em, join 'em" strategy, by offering heated breakfast sandwiches and adding drive-through windows to some of their locations." (Tancer, 2008)


As McDonalds and other chains realize the money in luxury coffee more companies will begin to enter the marketplace. One the other side of the spectrum you have the small local coffee bars that were around before Starbucks took over the marketplace. These smaller coffee shops have their core customers who will not give their business to anyone else. These smaller coffee shops can offer specialized products and services or serving to the local markets needs. However Starbucks has a much larger buying power then the local smaller coffee shops giving them a competitive advantage. Coming back to our original quote, we believe that McDonalds has a customer base that is extremely large that now has the option to get their coffee where they get their breakfast already. McDonalds also has an extremely large bargaining power and runs each franchise with impeccable automation. McDonalds cup of coffee costs a lot less money than Starbucks and tastes the same in a lot of cases. One of Starbucks biggest competitors is the economy; Starbucks provides a luxury good that will be a good that people cut out when they want to save money. This has been witnessed with the recent closing of over a hundred Starbucks stores.

Tancer, B. (2008, January 10). Brewing Battle:Starbucks vs. McDonalds.

Starbucks Target Market and Management

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