Month: March 2021

Uncategorized

The Best Means of Credit Card Debt Consolidation

Reducing your credit card debt is indeed a goal worthy of pursuit. This is especially true if you have multiple credit cards with full balances. After all, trying to catch up can be a challenge. Another worthwhile endeavor is reducing the interest fees you pay on the credit card balances.

If those aims are what you’re out to accomplish, the next item on your agenda should be to find the best means of credit card debt consolidation

First Things First

As good as this sounds, there are several factors to consider before thinking about using consolidation services:

1. Observe your spending habits – Trace your spending and expenses, to see if you’re spending more than you’re taking in. This can help you to reduce your debt.

2. Create a budget –  See how you can reduce your debt based upon how you reduce your spending.

3. Call the creditors – Contact the credit card companies to see how they can lower monthly payments, waive fees, reduce interest, or change your bill due date. This can also help in this process.

These tips can help you reduce your credit card debt without professional services. However, if you feel that these steps do not have any impact on your debt, it’s best to contact a debt consolidation service.

Choosing a Worthy Partner

There are many types of consolidation plans to reduce your credit card debt. It’s best to find a company that gives you solutions tailored to your needs, like the best credit card debt consolidation options at freedomdebtrelief.com.

Here are five of the most effective strategies.

1. Take out a loan – A number of companies offer personal loans to consolidate your credit card debt. With this option, explore the interest rates on the loan. The idea is to get the lowest possible interest rates with the loan when compared to the current rates of paying your credit cards individually.

2. Transfer debt to another credit card – You could get a better interest rate when you transfer your total credit card debt to one card. 

3. Consolidation through home equity – You can take out a loan against your home, if your home value is higher than your mortgage balance. 

4. Explore a debt management plan – Contact a credit counseling agency to have them create a debt management plan (DMP) to suit your needs. The credit counseling professional works with your card issuer to secure a reduction in interest rates on multiple high-interest cards. They also negotiate with your card companies to secure a reasonable monthly payment. — one you can comfortably afford each month. You’ll then deposit the funds into an account each month from which the counselor will pay your creditors. 

5. Work with a debt negotiation company–These firms can be the best when you want to settle with your creditors altogether. They work with the debt collectors to clear the debt for an amount less than you owe.

Creditors are often amenable to this approach because it usually mans your next visit will be to a n attorney to draft a filing for bankruptcy protection. They know the likelihood of getting anything at al is greatly reduced in that event, so they’re often willing to settle for less than you owe.

There are some major reasons to explore the best means of credit card debt consolidation. One reason is reducing your stress by having someone work with the debt companies.  A second reason is paying multiple cards on time and avoiding late payments. The third reason is getting back on your feet financially, by reducing interest rates, late fees, and increasing your savings as well.

Development

The Most Important Skills Mobile App Developers Should Learn to Excel in Their Career

Mobile application development has now become a multimillion-dollar industry as almost all industries find mobile apps to be irreplaceable and an integral part of their business structures… Apart from their growth in high demand mobile apps continue to gain traction due to new technologies and innovations that continue to add and create more value for their users and businesses alike.

The vast and booming connected device landscape, which is continuously breaking new boundaries and creating new landmarks with user-focused features and capabilities, has contributed immensely to the innovation around mobile apps. Mobile apps have become so popular now that even the web is trying to appear as handy and engaging as the native mobile apps through the latest technologies like Progressive Web Apps(PWA). Moreover, mobile apps are increasingly bridging the generation and cultural gaps among people, and are contributing to the emergence of a new tech-savvy mobile audience that exists irrespective of age, gender, location, ethnicity, or other demographic attributes.

Because of these advancements, mobile app development companies now not only focus on building apps meeting the constraints and requirements of the iOS and Android platforms but also meeting the varied expectations across audiences of various types and categories. App developers should only focus on skills that help them become part of such development environments. Not only will these skills of mobile app developers, but the development projects also stay more competitive.  

Creative Problem Solving and Communication

First of all, developers need to have the necessary abilities like creative problem solving and excellent communication skills. A developer should have a comprehensive ability to communicate with their team members and clients both verbally and in writing. This is an uncompromising skill that any aspiring developer must-have, especially if they are taking on a leadership position within the group. The capability to give instructions and communicate easily are two essential qualities that will make any mobile app developer stand out in a crowd.

The second most important thing is the ability of the developer to think out of the box in terms of app conceptualization and making norms that can change the age-old cliches and bring fresh energy to the development process. This creative capability is particularly essential for nourishing problem-solving skills and troubleshooting capabilities.

Quality UI/UX Design

An excellent user interface is a must for the users to interact with an app without any friction or usability glitches. A rich user interface is capable of allowing smooth interaction and usability and is a must for continuous user engagement and business conversion. While backend capabilities are essential to maintain performance and scalability, the frontend elements like UI and UX are equally important as they can make or break user engagement, business conversion, and retention. 

The key aspects of mobile UI/UX design include a comprehensive color strategy based on color psychology, achieving a balance between visual appeal and distractions, faster loading time and responsive design, micro-interactions, and feedback mechanism with activity indicators, smooth and helpful user onboarding experience, etc.

For designing sophisticated and audience-validated UI/UX, design prototyping is an extremely important skill to possess. The UI/UX designers should have a solid command of design attributes to incorporate core usability features and elements.  

Knowledge of Agile Methodology

Agile Methodology is… A vast majority of app development projects now depend on agile methodology simply because constant iteration throughout the stages of development no longer remains a choice, but an obligation. Constant iteration helps the app clients stay updated on every change of development stages the app passes through. Besides enjoying the confidence of the clients, constant iteration also helps in reducing development errors and certain unavoidable shortcomings that could be avoided with iterations and testing way below the development spiral.

A developer now needs to have a solid knowledge about the way constant iteration and testing are incorporated into the projects. He should be completely versed in knowledge about constant development and constant deployment approaches that are part of agile methodology.

JavaScript and Few Core Languages

For a mobile app’s front-end developer, programming language skills in the most popular and widely used languages is a must. For example, JavaScript frameworks that are very popular for faster development of feature-rich apps cannot be left out as JavaScript frameworks such as React Native, Angular, Vue, and NodeJS have now become the most sought-after skill sets.  

Since JavaScript frameworks like React Native allow you to reuse components and code for multiple OS platforms, you can build apps for both iOS and Android in no time. The “Write once, run anywhere” development approach makes these JavaScript frameworks ideal for cross-platform development.

Apart from JavaScript, mobile app developers should have comprehensive knowledge and coding skills with Java and Kotlin languages used widely for Android platforms. For iOS, developers should have a solid command over Swift, C++, and Objective C languages.

MVP Development Approach

Lastly, software development companies and clients increasingly prefer the MVP or Minimum Viable Development approach to develop audience-validated apps. With the MVP approach, an app can be developed with basic and minimum features, launched into the market, and later can be further developed with changes and value additions found by this testing. The mobile app developers of today should have a clear understanding of how the MVP approach works.

A developer team can just start preparing a strategy to build an app focusing on basic or elementary features that are crucial for the app to serve its key objective. Later on, after release as the user feedback comes in, new value additions and tweaks with the UI or UX can be incorporated. This approach has three distinct benefits as following: 

  • MVP approach will allow developers to build and release a lightweight app faster. 
  • MVP approach will help to build a simple app focusing on the basic feature and user experience. 
  • Lastly, it can always improve based on user validation or feedback over time. 

Gaining a Competitive Edge

In a nutshell, since mobile app development has now become a hugely competitive field – more than ever before – donning these must-have skills and having solid exposure is a crucial criterion for app developers in this modern market. 

Insights

The Importance Of Digital Marketing For A Small Business

In the past few decades, small entrepreneurs never got a chance to compete in the market. From budget limitations to the lack of resources – big businesses always had a monopoly. After all, the only way to grab audiences’ attention was by spending heaps of money on television commercials and billboards. Unsurprisingly, this wasn’t possible for small businesses, but things are changing in the 21st century – all thanks to technological advancements.

The emergence of digital media and smartphones is changing how people engage, interact, and shop. Social media forums are letting brands build business profiles, while search engines open doors to a whole new online advertisement world. Earlier, online marketing was a different way to promote products, but now it has become inevitable for businesses.

Digital marketing lays a foundation on which entrepreneurs build their presence. It establishes their position in communities and niches, creating brand awareness amongst audiences without costing a fortune. In short, it is an opportunity for small businesses to become a part of the industry and win their market share by breaking monopolies.

However, now digital marketing is beyond running ads or having a website. It is more about leveraging tech-savvy tools and analytics to conduct market research and gain an edge over competitors. And your failure to acknowledge its significance can drive you out of the competition. Let us look at the importance of digital marketing and why your small business needs it to grow and thrive.

1. BUILDS BRAND RECOGNITION

These days, it is quite impossible to attract customers by sending out pamphlets and business cards. Since people have a strong presence on online platforms, they expect the same from every small brick and mortar business. Therefore, focus on building brand recognition by exhibiting your presence across multiple marketing channels. Are you clueless about it? Have a look at this marketing guide and learn the ropes.

Firstly, create business profiles on the search engine, social media, and other digital tools. Use the power of content marketing to spread your brand message across. Consistent branding across multiple networks reflects a positive brand image. Remember, customers have a plethora of options in the online world. If they didn’t find your brand, it would take them two minutes to find a substitute and switch. Hence, utilize social media – Facebook, Instagram, etc. to build brand recognition amongst audiences.

2. TARGETS RIGHT AUDIENCES

When it comes to running a billboard campaign, brands have some target audience in mind. Unfortunately, you don’t have any control over whether that target audience would see the advertisement or not. Amongst the million benefits of digital marketing, targeting the right audience is likely to be the best one. It lets you break clusters into small and focused groups while allowing you to engage with them.

You can run a survey, start a conversation under the comment section, and offer customers solutions. For running advertisements, select demographics – age, gender, location, religion, and interests to connect with potential customers. If you have a women’s apparel brand, the target audience will be mostly women aging 18 to 45 years or above active online shoppers. It helps you reach out to people who have a keen interest in your product offerings, boosting sales and profits.

3. EASY TO SCALE & ADAPT

Every marketing campaign requires initial investment to get the traffic flowing, but surprisingly, this is not how digital marketing works. It doesn’t cost a dime to create a business profile on any social forum, nor you have to spend any money on forming community groups. Only social campaigns, advertisements, and sponsored posts cost you a few bucks. You can choose a daily budget, which can be as low as $1, and schedule the ad.

Similarly, if you see the ad doing well instead of renegotiating the deal, you can keep the ad running by increasing your budget. All these marketing campaigns provide instant results. From the number of people who clicked on your ad to possible conversions – you can analyze data and make informed decisions. The significance of digital marketing to small business becomes more prominent when you recognize how simple it is to grow business online.

4. LEARN FROM COMPETITION

Believe it or not, audiences turn to brands that offer discounts, initiate trends, and provide reliable customer service. Therefore, if you want to win an edge, adopt a different perspective towards your competitors. Instead of seeing them as someone you want to beat, look up to them as a learning opportunity. Are they using content marketing? What is their mode of communication with clients?

With the help of digital marketing, you can find answers to all these questions. Feel free to surf through their website, blogs, and social media pages to track their performance. It will make you apprehend how actively they respond to changing tastes while fostering interactions with customers. Remember, the aim is not to copy your competitors but to learn from their mistakes.

5. PROVIDES REAL-TIME CUSTOMER SERVICE

With utmost reliance on the digital world, customers need support at every step of their buying journey. Alongside providing contact details or email address, use savvy tools to provide real-time customer service. You can hire customer support representatives to assist your social media followers. They would collect responses, answer queries, and take feedback from customers. After all, customer satisfaction is a critical point in establishing an outright market presence.

Moreover, you can also leverage artificial intelligence (AI) or machine learning to streamline customer support. It uses human intelligence to provide human-like responses for answering customer queries. It means bots will be catering to queries and helping people make purchase decisions. Although you can integrate AI with social profiles, consider adding live chat options on your website. It will help visitors find products while instantly getting answers to their questions, boosting sales.

6. ENGAGES CUSTOMERS

Unlike conventional practices, digital marketing offers two-way communication. Brands get to promote, and customers respond with comments and feedback. As a result, the online audience has a lot of power in their hands. In addition to promotions, small businesses have to focus on building relationships with clients. If you are wondering how? Have a look below.

i. Initiate conversations on social platforms. You can start a Q&A session through live video to learn more about your potential customers.

ii. If you are bringing a new product, use online polls to get an idea about what customers want.

iii. Run surveys to get honest feedback and reviews of your customers.

Iv. Create online quizzes to learn more about visitors.

Unsurprisingly, customers appreciate the attention and prompt replies. They are more willing to trust a business when they get honest answers to their questions. Thus, interact and engage with them on a personal level to establish brand loyalty.

7. OFFERS A PERSONALIZED EXPERIENCE

Earlier marketing was more about trial and error. Marketers were devising campaigns by following their gut and instinct, but everything has a reason in this digital era. Customers are feeding businesses information round the clock by signing up for newsletters and filling questionnaires. As a result, they await brands to treat them as individuals. Fortunately, digital marketing lets businesses segment markets and offers a personalized experience to customers.

In addition to generating leads, you can use this as your unique selling proposition. If you use email marketing, personalize emails by adding the first name of every customer. Likewise, recognize customers on individual levels – understand their preference, check their purchase history, and customize ads for them. For instance, if a visitor has abandoned his cart, send an ‘email’ with a special discount offer, or remind them of their cart. You can also send an online SMS, as mobile marketing is an extremely effective channel.

8. EXPANDS CUSTOMER OUTREACH

Every business wishes to expand globally, but would that be possible with a store in one corner of the city. Your offerings and services should be for the people of that region and the people around the world. It can put your business on a global forum where people from all around the world can shop from your brand. After all, Google, Facebook, Twitter, Amazon are all international forums accessible by everyone.

If expansion is on your bucket list, devise a digital globalization strategy. Before stepping overseas, concentrate on local expansion by making your products and services available nationwide. Similarly, use social media to set demographics of another country and start promoting. Join hands with a reputable logistics company and cherish your versatile customer base.

9. ENJOY HIGHER ROI

Digital marketing offers a higher return on investment (ROI) than any other type of marketing. It is an ideal opportunity for small businesses to make the most out of a limited marketing budget. Let us unwind the returns of every campaign one by one.

i. Email marketing offers the peak ROI since it works like a conversion machine. Build an email list with quality subscribers and deliver high-quality content.

ii. Content marketing generates three times more leads than television commercials or any other traditional marketing campaign. Alongside website traffic, it brings buyers to your website.

iii. Social media establishes brand image and turns leads into potential customers.

While operating a small business, you have to ensure budget-friendliness. Learn how to stretch every dollar as you grow your brand because each cent counts. Understand the costs and see whether it would provide you with a sufficient ROI.

FINAL THOUGHTS

As a small business holder, you would have multiple questions regarding the benefits of digital marketing. From increasing customer outreach, developing brand image, improving customer service to saving money – digital marketing provides a pathway to success. Hence, look for smaller ways to jump into it. Create a social media account, list your business on Google, develop a web page, and see its impact on your business. With all these overwhelming benefits, what is stopping you from marketing your business online?

AUTHOR BIO:

Danish Mehmood is a senior SEO strategist at a web development and digital marketing agency based in Orlando, FL. He is passionate about digital marketing and loves to analyze the SEO industry in his spare time and stay in touch with the latest happenings. Connect with him at @InboundDM on Twitter and on LinkedIn

Insights

Benefits Of Marketing Technology For Small Businesses

An increasing number of people are venturing into the business world. The idea of owning a small business is gaining acceptance. E-companies are replacing brick and mortar firms, and many people are taking benefits of technology and turning their ideas into reality. People running small businesses have their limitations as they do not have the liberty to spend a lot of money, and they need to be vigilant about their expenses. Moreover, businesses do not start churning out profit overnight, and entrepreneurs have to put in earnest efforts and long working hours before seeing fruitful results.

Marketing is a crucial element of running a company, and in this fierce competition of the business world, small companies have to fight tooth and nail to make a name for themselves. Today, people have excess options, and small businesses have to indulge in extensive marketing to make their presence known. Small companies cannot dedicate a large sum of money to marketing, as they have a limited budget. Marketing technology, commonly referred to as Martech, applies to all initiatives, channels, and tools that harness technology to achieve marketing objectives. Small businesses can use Martech and change the game for themselves.

The following are some of the benefits of marketing technology for small businesses:

  1. Higher Conversion Rates

Irrespective of your niche, every small business’s motive is to generate more sales and earn more revenue. Conversion rate tells you about the percentage of visitors that visited your website and took the desired action. Digital marketing enables a small business to achieve higher conversion rates in less duration. Marketing technology helps generate leads and get higher sales through a proper sales funnel.

Small business owners can be innovative with their strategies and try different digital marketing methods to boost conversion rates. Blogging is an effective way of luring customers into purchasing on your website. Unique and informative content on blogs can hike up conversion rates and make a small business successful. Companies can use online tools to view blogging stats, determine keywords and sites ranking high on SERPs, and develop content accordingly.

  • Increased Brand Visibility

Small businesses often struggle in establishing a strong brand identity as other big fish often dominate the space. Digital marketing can help to increase small businesses’ visibility online and enhance their reach. Making people aware that your brand exists is the first step that exposes them to your products and services. The effective use of Martech succeeds in igniting interest in the audience to check out your products. Increased brand visibility can put a small company parallel to big fish in the market by exposing them to the same target audience. Or even more, if you’re offering additional value.

  • Better Customer Experience

Strong customer bonds are the key to success, and Martech has helped companies give their customers enriching experiences. Martech has introduced multiple channels that enable companies to reach their customers and gain insights into their experiences. Customers can use channels like email, social media, or company websites to contact brands for their queries, and brands can use this as an opportunity to strengthen their bonds with them.

Good customer service turns customers into a marketing tool, as they recommend your brand in their social circle leading to widespread word-of-mouth marketing. And we all know that WoM and positive referrals are excellent!

  • Enhanced Business Relationships

Businesses can run on their own, but in the modern world, survival without taking other businesses’ support means an extra load of work. Today, entrepreneurs can have a computer and a robust Internet connection, and they can search for like-minded people for their companies. Martech supports small businesses in establishing strong business relationships, and they can also take advantage of technological tools to enhance existing bonds.

Supposedly, as a retailer, you can search for companies that provide coupon codes and collaborate with them. This way, you can give discounts to your customers. The win-win strategy has always benefitted businesses, and Martech provides business owners with multiple opportunities to devise a win-win plan.

  • Automated Marketing

One of the best advantages of applying marketing technology to a small business is automation. Small companies can now take a backseat and let technology handle their marketing. This includes collecting data and running highly targeted ad campaigns.

  • Easy Access

We live in a technologically advanced world. People prefer staying in their homes and browsing options without stepping out. Online shoppers make up a considerable percentage of today’s customer base, and through Martech, small businesses give them easy access to products online. Advanced technology makes small companies more accessible and helps them attract more people.  

  • Accurate Measurements

Business owners have to face difficulties in taking precise measurements of their marketing efforts, which primarily affects their budgets and marketing strategies. Marketing technology has enabled small business owners to integrate software and other tools, giving them accurate measurements of their marketing KPIs and strategy. Key matrices and other tools are significant in measuring effectiveness, and in the light of these measurements, small business owners can devise their different techniques. Besides, it helps business owners to stay aware of the outcomes of their marketing endeavors precisely.

Conclusion

Technology has become essential for small businesses to survive in today’s cut-throat competition. Marketing technology is robust, and small business owners can use advanced technical tools and channels to put their companies ahead of their competitors.