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	<title>Credit Card Topics &#187; Student Credit Cards</title>
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		<title>The Real Numbers On High Schoolers Card Spending</title>
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		<pubDate>Sat, 26 Sep 2009 23:28:45 +0000</pubDate>
		<dc:creator>Jim</dc:creator>
				<category><![CDATA[Student Credit Cards]]></category>
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Well, you don't really need to look into the teen…<p><a href="http://www.creditcard-topics.com/student-credit-cards/the-real-numbers-on-high-schoolers-card-spending/">The Real Numbers On High Schoolers Card Spending</a> is a post from: <a href="http://www.creditcard-topics.com">Credit Card Topics</a></p>

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<h3>The Real Numbers On High Schoolers Card Spending Videos</h3>
<p><b>CS &#038; IT Symposium 2010: Computer Science, Game Development, and the XNA Game Studio Platform</b><br />
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		<title>After High School Getting In Hock Is Easy</title>
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		<pubDate>Sun, 23 Aug 2009 23:44:16 +0000</pubDate>
		<dc:creator>Jim</dc:creator>
				<category><![CDATA[Student Credit Cards]]></category>
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Credit card debt doesn't shy away from anyone who…<p><a href="http://www.creditcard-topics.com/student-credit-cards/after-high-school-getting-in-hock-is-easy/">After High School Getting In Hock Is Easy</a> is a post from: <a href="http://www.creditcard-topics.com">Credit Card Topics</a></p>

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<h2>Its getting tougher to market professional services! What&#8217;s to be done?</h2>
<p><strong>In this article for the business owners of professional service firms we&#8217;re considering the reality that its getting ever-tougher to market professional services so what should be a business owners business development priorities?</strong></p>
<p>The reality for professional service marketers is that things are indeed difficult and they&#8217;re only going to get tougher.&nbsp;We live in a turbulent rapidly changing marketing environment in which it&#8217;s not always easy to keep up.</p>
<p>Given the high level of failures of professional firms, we must assume that only the best will win out as quality is driven up and evermore market savvy competitors enter the field.&nbsp;As such professional service business owners must benchmark against exceptional standards and start doing things differently; if not they simply will not get noticed!</p>
<p>Good enough rarely is!</p>
<p>So what should we be doing to stand apart<strong>?</strong></p>
<p>The answer: is to <strong>start communicating in ways that the modern market wants to be communicated with; its them not ourselves as professionals that are in charge</strong></p>
<p><strong>Now I know this might go against the grain but as Confucius said:</strong></p>
<p><strong>To see what is right and not to do it is want of courage.</strong></p>
<p>Now I am not saying is that its all change;&nbsp;those activities such as maybe PR, referral marketing, local networking and speaking that are still working and give a good return on your investment then of course you&#8217;ll keep on doing these.</p>
<p>But the modern day message is that by developing your communications in ways that mirror the way prospects now choose to source information means that you are more likely to win out as opposed to the competition who are slower on the uptake.</p>
<p>In this regard <strong>the priority must be on using on line marketing to full effect</strong>, especially online video and the social media, where currently few professionals are to be found doing anything more than working at a very superficial level.</p>
<p>But as Dee Hock said:<strong>The problem is never how to get new innovative thoughts into our mind, but how to get the old ones out&#8221;</strong></p>
<p><strong>The future direction of your&nbsp; use of social media &amp; online video must go&nbsp; beyond just communication; you need to be thinking in wholly new ways</strong>.</p>
<p>Done well your use of the new media will change the very essence of the way your business is conducted and the results you attain.&nbsp;For most professionals this requires a paradigm shift of such a scale its akin to Doctors being told to stop using leaches to bleed people,</p>
<p>But dare I say,&nbsp; the old school marketing paradigm you&#8217;re still working on is just as outdated.</p>
<p><strong>The priority is to start to take action</strong>; start to use the many online tools that are at your disposal. Start to think in wholly new ways. Be bold.&nbsp;And yes this does mean starting to make mistakes&nbsp;and my advise is to do so as quickly as possible, start making mistakes,, it&#8217;s the fastest way to learn and thereafter to succeed.</p>
<p><strong>Having committed to communicating in new ways that mirror the way your prospects want to be communicated with it then requires action and sustained commitment to invest the necessary time and resource to make things &nbsp;happen.</strong></p>
<p>This is not a quick fix arena; it takes time&nbsp;it will require a top down, bottom up approach across the whole of the firm;</p>
<ul>
<li>It will require the bringing onside and <strong>the gaining of commitment and participation from all your people</strong> to all that needs to be done, you, or a marketing appointee, can&#8217;t do it alone&nbsp;it will require using the social media, making videos, contributing to forums, monitoring and feeding back results etc.</li>
<li>I reiterate, <strong>all this will be a team effort </strong>if everything is going to work out for the best;&nbsp;it will require well focused intention and attention at both the strategic and tactical levels to make the most of the opportunities that are afforded;&nbsp;by this I mean there has to be absolute clarity of where you&#8217;re going, and which tools are you going to be using to get there, this is the strategic element,&nbsp;but as well you need to be clear as to how you&#8217;re going to use those tools at the tactical level, each step along the way. It will require clarity of focus in terms of the levels and nature of interaction that you plan to engage.</li>
<li>Never forget <strong>the priority in this new era must be wholly focused on &nbsp;the building of relationships and the securing trust</strong>; getting to people to know, like and trust you.</li>
<li> the monitoring of resultsIt will require: in particular are the objectives sought those that are &nbsp;being achieved; and</li>
<li>It will require <strong>feed back of results to all participants</strong> in your plans of action so as to keep them motivated, up to speed and focused on what works.</li>
</ul>
<p>Jim Rohn said&nbsp; <strong>Life responds to deserve, not to need</strong>.&nbsp;It doesn&#8217;t say &#8220;If you need you will reap&#8221; It says &#8220;If you plant you will reap&#8221;.The guy says &#8221; I really need to reap&#8221;.&nbsp;Then you really need to plant.</p>
<p>At the end of the day its about getting out of the old school ways totally rethinking your approach; it can be summed up by contrasting old school and the social media era arguments:</p>
<p>Its about getting lots of prospects into the sales funnel,</p>
<p>No: <strong>its Quality not Quantity</strong> that is the key to prospecting and building the firm&#8217;s client base</p>
<p>Its about Focusing on the firm and its services</p>
<p>No: its about <strong>Focusing on clients</strong>, their problems, their issues and responding appropriately to them in ways they appreciate</p>
<p>Its about Keeping coming up with new services ideas and opportunities and shaping these up then marketing them</p>
<p>No <strong>Its about Focusing on service quality &amp; execution</strong> and listening to emerging client needs</p>
<p>Its about Having a solid business plan then sticking to it</p>
<p>No <strong>its about talking to clients and shaping ideas based on their needs</strong>, then, taking them to market &amp; testing then adapting as quickly as possible to what you learn</p>
<p>Its about Getting messages out into the marketplace</p>
<p>No <strong>its about developing a dialogue</strong></p>
<p>Its about Building the firm&#8217;s brand</p>
<p>No <strong>its about Building your personal brand</strong> this is a service industry and people buy people 1st</p>
<p>Its about Promoting the firm</p>
<p>No i<strong>ts about Building trust based relationships</strong></p>
<p>Its about Being promotions focused</p>
<p>No <strong>Its about being campaign focused</strong></p>
<p>Its about Focusing on getting the contract</p>
<p>No <strong>Its about seeing the lifetime value of a client</strong></p>
<p>Its about Focusing on selling the firm&#8217;s services</p>
<p>No, first and foremost, <strong>its about Focusing on being seen as a respected &amp; trusted advisor</strong></p>
<p>Its about Focusing on finding prospects then pitching and having a great close</p>
<p>Absolutely No. <strong>Its about Focusing on value and building trust and letting the close take care of itself</strong></p>
<p>Its about Spending more on advertising be it online or off line</p>
<p>No <strong>Its about Using Videos, forums, blogs, video &amp; the wider social media to get people into you dialogues</strong></p>
<p>Its about Spending more to make more</p>
<p>No The more you inform&nbsp; the more you give, <strong>the more you teach the more you earn</strong></p>
<p>Its about Employing PR and Marketing specialists to get messages out</p>
<p>No <strong>Its about using free video series or great value ebooks or people who know about your service offer to spread the word</strong> using the social media</p>
<p>Its about continuing to use the firm&#8217;s established web site with its focus on self aggrandisement, we do it better thinking, telling and selling</p>
<p>No <strong>Its about Using web 2.0, social media video, podcasts, audio, webinars, blogs,&nbsp; social book marking with focus on getting people to engage and &nbsp;participate.</strong></p>
<p>I&#8217;m sure that You get the point.</p>
<p><strong>You can see many more articles like this at our&nbsp;<a href="http://onlinevideoforprofessionals.com/" target="_self" title="Online Video For Professionals">Online Video for Professionals</a> blog.</strong></p>
<p>&nbsp;</p>
<p><strong>About the Author</strong><br />
</p>
<p><strong>Stephen Kember</strong> is Proprietor at <strong><a href="http://onlinevideoforprofessionals.com" target="_self" title="Online Video For Professionals">Online Video For Professionals</a></strong>; a firm dedicated to supporting the business owners of professional services firms in the UK and France with their online marketing using <strong>online video</strong> and the <strong>social media</strong> to establish relationships, build trust and get more of the right sort of clients.</p>
<p>&nbsp;</p>
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<h3><a href="http://www.creditcard-topics.com/after-high-school-getting-in-hock-is-easy">After High School Getting In Hock Is Easy</a> Videos</h3>
<p><b>&#8220;Sun on Sports&#8221; Prep boys hockey post-season preview (pt. 1)</b><br />
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		<title>Teaching Your Children About Credit</title>
		<link>http://www.creditcard-topics.com/student-credit-cards/teaching-your-children-about-credit/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=teaching-your-children-about-credit</link>
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		<pubDate>Sun, 23 Aug 2009 10:14:17 +0000</pubDate>
		<dc:creator>Jim</dc:creator>
				<category><![CDATA[Student Credit Cards]]></category>
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One of the ways some of us get into credit card d…<p><a href="http://www.creditcard-topics.com/student-credit-cards/teaching-your-children-about-credit/">Teaching Your Children About Credit</a> is a post from: <a href="http://www.creditcard-topics.com">Credit Card Topics</a></p>

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<h2>Start Teaching Your Children At An Early Age</h2>
<p>It is really never too early to start teaching your children about money. And the sooner you begin teaching your children about money the better chance they will grow up to have a well-rounded and responsible appreciation of the uses and value of money. Some parents may not begin to teach children about managing money at an early age because they simply don&#8217;t understand where or how to begin.</p>
<p>In the very beginning when children are very young money education can begin simply by teaching them to identify various coins. You can then reinforce what money is used for by taking your children shopping even at an early age and pointing out what is going on.</p>
<p>As children get a little older and into elementary school this might be a good time to start providing a weekly allowance for each child. It really doesn&#8217;t matter how much this allowance is. The child should be taught about what would be appropriate uses of this money as well as the consequences of spending too carelessly. This is also a good time to begin to teach your children about the importance of regularly giving whether it be to a local church or charitable organization. If there is a particular item that your child wishes to purchase that is a perfect opportunity to teach them how many times they will need to receive an allowance in order to save enough for this purchase.</p>
<p>Another way you can begin to teach your children the value of managing money carefully is to take them with you on trips to the grocery store. Lead them through the process of comparing various brands of the same product in order to determine what would be the best value.</p>
<p>Elementary children can also learn a lot about money if they are encouraged to seek out ways to earn money by helping with chores around the house.</p>
<p>As children get older and into their teenage years, is a good idea to continue to give allowances but these allowances should be tied to household task and other obligations for which they are required to do.</p>
<p>Some additional suggestions for money education in late teenage years include: allowing children to do the family grocery shopping, and evolving them in planning a budget for an upcoming trip, and helping them complete their tax returns if they&#8217;re employed. For older teens it can also be a helpful learning experience to help them secure a small installment loan. This will teach them to learn to budget for regular financial obligations as well as build their credit.</p>
<p>Take the time to teach your children about the proper management of money and they will be much better prepared to be financially responsible adults.</p>
<p><strong>About the Author</strong><br />
</p>
<p>Robert Michael is a writer for <a href="http://www.reelteaching.com">Reel Teaching</a> which is an excellent place to find teaching links, resources and articles. For more information go to: <a href="http://www.reelteaching.com">http://www.reelteaching.com</a></p>
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<h3><a href="http://www.creditcard-topics.com/teaching-your-children-about-credit">Teaching Your Children About Credit</a> Videos</h3>
<p><b>Jim Rogers : Teach your children Chinese !!!!!!!!</b><br />
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