Using Advertising in Email Marketing

The subject of whether or not it is acceptable to use advertising in email market is hotly debated with some Internet marketers being strongly in favor of placing advertisements in email marketing while others are strongly against the use of advertisements in email marketing. Still others take a more neutral stance and are not either firmly for or against the use of advertising in email marketing. This article will take a look at both sides of the argument and allow the reader to formulate his own opinions on whether or not this subject is worthwhile.

There are some Internet marketers who are strongly in favor of the use of advertisements in emails distributed for marketing purposes. Those who favor the use of advertisements view the sale of advertising space on email marketing materials such as emails or e-newsletters as a way to generate profit from the email marketing itself. They also believe this tactic puts less pressure on the Internet marketer to meet the expectations of the members of the email distribution list because the emails are already generating a profit even if they do not entice the email recipients to make a purchase.

Those who are firmly against the use of advertising in email marketing feel as though this makes the advertisements seem more like spam and less like marketing materials or useful information. Those on this side of the fence feel as though any advertisement in an email marketing campaign should be subtle advertising for the products and services offered by the distributor of the email and not advertisements for businesses who have paid for an advertising spot on the email. They believe the original emails are acceptable but additions to them are spam.

Still others are someone in between on the debate regarding whether or not advertising in email marketing is acceptable. In most cases these individuals believe it is acceptable for there to be advertising as long as it does not overshadow the original intent of the email. This middle of the road concept implies the Internet marketers are not firmly for or against the concept of placing advertisements on emails distributed fro marketing purposes.

The information in this article is rather vague by intention because it leaves more of an opportunity for the reader to form his own opinion. This is important because the subject is largely a matter of personal preference. Each reader must decide for himself whether or not he agrees with one side or the other or chooses to take a middle of the road stance. The opinions of readers of this article may be influenced by whether or not they are considered to be marketers or consumers. This is significant because it can impact the preferences. For example consumers may be less likely to appreciate advertisements in emails intended for marketing purposes because they feel it distracts from the original products. However, marketers may be more apt to be accepting of advertising because they can understand the financial gain which is possible. When evaluating opinions about the use of advertising, it is important to note whether or not the individual offering the opinion is involved in advertising. It might be more worthwhile to seek out opinions from consumers only as they are more likely to share the beliefs of your potential customers.

Read More

Secured Personal Loans

Personal loans provide borrowers with the opportunity to access funds for those areas in their life that need some assistance or where additional funding would work to their benefit. A secured personal loan is a type of personal loan that involves the borrower having to provide some type of collateral to the lender as assurance that they will repay the loan. This is due to the borrower falling into a high risk category. There are pros and cons to accepting a secured personal loan that we will explore further.

High risk in regard to loan repayment can mean a variety of things. It can mean you have an unsteady income, including self employment where the amount of income you have coming in varies each month. While the lender can see you have an income source, it is not considered to be a reliable as getting a regular paycheck. The decision will depend on the regulations of the lender, length of time you have been self employed, and the loan amount you are requesting.

High risk in terms of a secured personal loan generally imply the borrower has either poor credit or has not established enough of a credit history for a decision to be made. Poor credit can be the result of poor money management or circumstances that took place in your life which you had no control over. Some individuals think it is very unfair to be penalized for not having an established credit history. I agree that it can be frustrating, because you can’t really be expected to establish a credit history if no one will give you credit.

In either situation, use the opportunity of a secured personal loan as a way to prove yourself worthy of lenders working with in the future. Your credit is an area that is going to make or break you down the road, so use your opportunities wisely. A secured personal loan that is repaid as scheduled or sooner can help you on the road to re-establishing your credit worthiness or start your newly documented credit history of to an amazing start. Secured personal loans can offer opportunities to those individuals who would not be eligible for any other types of loans the chance to have the funding they need.

On the flip side, secured personal loans can be risky. It is very crucial that you understand that risk. Since you will be required to provide collateral for the loan, any default could result in you losing your home, other property, vehicle, whatever it was that you used as collateral on the loan. While entering the contract of a secured personal loan, no one really anticipates the loss of their collateral. It can be very damaging to an individual when the lender comes to collect that collateral.

To protect yourself, be realistic with your financial endeavors. You will need to ask yourself some tough questions and be honest with the answers. If you have a pattern of not being able to fully commit to financial obligations, then do not create further financial hardships for yourself or your family by becoming involved with a secured personal loan.

As yourself exactly how much you need to borrow and for what purpose, then stick to those terms. It can be tempting to borrow more when you need $5,000 and the lender tells you that he can approve the loan for $10,000. Don’t let your common sense and judgment be clouded by dollar signs.

Secured personal loans can be a great means of generating necessary revenue for those in need. They offer an opportunity for individuals to establish or re-establish a good credit rating. However, caution should be taken to protect against losing the collateral for this type of loan from being lost to the lender. If you are eligible for an unsecured personal loan, it involves less risk though you will incur a higher interest rate.

Read More

Questions to ask Lenders before Committing to a Personal Loan

Personal loans are those that can be used for a variety of uses including vehicles, home repairs, vacations, education, and many more endless possibilities. Personal loans can be obtained from banks, financial investors, and other lending institutions including those found on the internet. It can be confusing to decide who to conduct business with. There are some questions you need to ask potential lenders before making any type of commitment on a personal loan.

First, it is important for you to understand that as a customer or potential customer, you have the legal right to ask lenders questions. Do not conduct business with any lender who is willing to answer your questions in detail. Be wary of lenders who tell you not to worry about the details or who try to rush you through the process. Both of these should be red flag indicators that something isn’t right. Quality lenders who have nothing to hide are more than happy to answer any questions you have about personal loans.

Too often, customers are hesitant to ask questions out of fear that the lender will look down on them or that they will be wasting the lenders time. As a consumer, you need to prepare yourself with the proper information to make informed decisions. This is very important in the area of your finances.

If it is not clearly stated, find out the maximum amount the lender offers for personal loans. This way you can find out if the lender will even be able to meet your needs based on the amount of money you are looking for. Next, ask questions about the personal loan terms. This will help you determine if the payment is going to fit your monthly budget.

Most personal loans are decided within just a few days. Ask the lender what verifications you will need to provide as well as how soon they can have a decision after you provide all the necessary documentation. The verifications will vary but should include ID, income, tax returns, and a completed loan application.

Many personal loan lenders will push the loan rate at you, especially if they are offering one that is lower than the competition. However, you should ask them to show you exactly how much the loan is going to cost you. Lenders can give you an itemization of all fees of the loan. You will want the information to compare with other lenders information.

Don’t forget to ask the lender about prepayment. If possible, you will want to pay your loan off early to save on interest you pay over the life of the loan. Some lenders will charge you a payment for prepayment. If you plan to pay the loan off sooner than it matures, then do not work with a lender who requires prepayment penalties as part of the personal loan offer.

With security issues being so huge in our society, inquire how the lender will be using and securing your personal information. You want their guarantee that your name and personal information won’t be sold to other solicitors. If they do, expect to start getting telemarketing calls and lots of pre-approval offers in the mail. Most lenders will use encryption and a firewall for their computer storage of your personal information, but ask about it anyway. It is also a good idea to ask them how they inform customers if they feel security has been breached. Good lenders have such plans in place for your protection.

Taking the opportunity to ask questions from potential lenders before making a commitment to a personal loan takes time and effort. However, you will be glad you did. It is important that consumers arm themselves with the best possible information as this is the only way to make important decisions based on having the proper knowledge. I can’t tell you how many people have learned the hard way that asking questions makes a world of difference when it comes to financial issues.

Read More

Personal Loans vs. Home Equity Loans

Personal loans are a great way to get money quickly for most anything you need it for, even a well deserved vacation. These loans are generally easy to obtain and require a minimum of verification including residence, income, and employment. However, personal loans also come with a higher interest rate than most other loans out there. In many causes you will be required to put up some asset you have collateral on your loan.

An alternative to applying for a personal loan is to apply for a home equity loan. This type of loan is only available to those who are buying or have paid off their home. You are borrowing money against the equity you have built up in your home. This loan method will likely allow you to borrow more money than a personal loan based on the dollar amount of equity you have in your home. Equity loans are available at a much lower rate than personal loans. The price for that comes with your home being attached to the loan.

For most people, it really isn’t a big deal because they already have a mortgage to pay each month. Adding on a longer term to repay that loan doesn’t bother them at all. However, if you don’t repay the funds, you may end up losing your home so make sure you take out home equity loans responsibly. In many cases, the interest portion of a home equity loan can be deducted on your Federal income tax. This is not possible with personal loans.

In making the choice between a personal loan and a home equity loan, there are many things you will want to consider. First, decide exactly what the loan is to be used for and the dollar amount you need. Most personal loans won’t exceed $15,000 so if you need more than that you will have to secure more than one personal loan or look at the home equity loan option. Next, take a realistic look at your credit. Personal loans are easier to get with poor credit than home equity loans are.

As will any loan, take the time to research your options and know what is available and the total cost of that loan to you. The best way to do is by taking a look at the Annual Percentage Rate, known as APR. It is required of lenders to show not only the loan interest rate associated with APR, but all the fees of the loan. This means everything you will be charged for in the loan you choose will be listed and itemized for you to review.

This is a great method for comparing different types of loans. For example, home equity loans generally have lower interest rates so you would assume that is a better option than a personal loan. However, the additional fees required to secure that home equity loan may cost you more than the additional interest you will pay over the life of the personal loan.

Personal loans are a great method of getting the money you need quickly and efficiently. However, they may not always be the best loan for your particular situation. It is important that you discuss your loan options with the lender you intend to use. It is also important that you conduct your own research on various types of loans you may be eligible for. This will assist you in making informed decisions while ensuring you get the best loan available.

Read More

Personal Loans for Bad Credit

Personal loans are easy to obtain. They can be used for a variety of financial needs. However, the worse your credit is the harder time you will have getting a personal loan with decent rates. There are two types of personal loans, secured and unsecured. Unsecured personal loans mean no collateral is needed to secure the loan. If you have bad credit, you will only be approved for a secured loan because you are considered high risk. The forms of collateral accepted include vehicles, property, and other tangible items. The collateral has to have a value sufficient to cover the balance due on the loan.

There are many reasons people have bad credit. It can be that they have been reckless with their money and finances. For most people this isn’t the case. Back credit can be the result of a death in the family resulting in loss of income. Layoffs or getting fired from a job often come without warning. Medical emergencies also lead to bad credit as can divorce. Regardless of the reason a person has bad credit; they are still going to need to apply for a personal loan at one point or another.

There are many lenders out there that understand bad credit can happen to good, responsible people. Therefore, they may be willing to give you the chance to prove you will be responsible again and repay the personal loan. You will likely have a high interest rate associated with your personal loan, and that can leave a bitter taste in your mouth. Take it in stride and look at the positive side of things. Getting a personal loan at any interest rate can help you rebuild your credit. Make sure you pay the payments on time. To save on the interest you pay, consider sending extra payments whenever you can.

Be cautious when applying for a personal loan online. There are scam artists out there who prey on those in need of a personal loan, especially if they have bad credit. Never agree to pay any processing fees or other types of payments. It is against the law under the Federal Trade Commission for any lender of personal loan funds to ask for processing fees. Many individuals with bad credit are sucked into these scams because they need the loan so bad. It is important to check out the lender with the Better Business Bureau. If you are suspicious of anything, do not move forward with the loan process.

Don’t forget to check with the smaller lending companies. Most large lenders are very impersonal and base your eligibility on a computer generated decision. Smaller lending companies are more likely to take the reasons for your bad credit into consideration along with other factors. If you can establish that you are responsible and that you have income sufficient to repay the loan, then this may be the opportunity you have been hoping for.

Personal loans can be a godsend, especially if you have poor credit. Make sure to take your time before committing to any personal loan offered. Be prepared to provide collateral and to pay a high interest rate as a penalty for your poor credit. Try to view the circumstances as an opportunity rather than as a punishment.

Read More

Understanding Email Marketing

Do you understand email marketing? If you do not, you do not have to worry just yet. This is because the concept of email marketing is relatively new and many business owners have not started to take advantage of this wonderful marketing tool yet. However, there are some savvy business owners who are already employing email marketing techniques to create additional business for themselves and to gain an advantage over the competition. While not having a great deal of knowledge about email marketing is not an immediate threat to your business, you should start learning about this concept to ensure it does not become a problem for you later as more and more business owners in your niche begin to take advantage of the concept of email marketing. This article will provide information on email marketing which should be useful to business owners who do not have experience with the subject matter.

Business owners should first understand the options available to them in terms of email marketing. The most common options include sending out mass emails with promotional materials, publishing and distributing e-newsletters and offering correspondence courses via email. The advantage to all of these marketing strategies is the ability to reach a worldwide audience. Unlike traditional methods of marketing such as television and radio ads or print media ads which only reach an audience in a limited area anyone with access to the Internet can benefit from your email marketing techniques.

Mass emails are the most popular form of email marketing. This includes emails which are sent to hundreds, thousands or even millions of recipients at once. The problem with this type of marketing is the potential for having your emails viewed as spam. This is likely to occur if you send your emails to recipients who have no interest in your products or services and have not expressed interest in receiving emails from you.

E-newsletters are also becoming increasingly popular as a form of email marketing. E-newsletters can be a simple or as complex as you prefer and may include text, graphics, advertisements, links or any combination of these elements. One of the first decisions you will have to make is whether you wish to make your e-newsletter strictly text or include graphics in the e-newsletter. If you are on a tight budget, it may be worthwhile to only include text to avoid the need to hire a graphic artist. You may be able to incorporate graphics yourself but they won’t look nearly as professional as the graphics provided by a professional. Likewise you can certainly write your own copy for your e-newsletter but you will likely create a much better impression if you hire a qualified professional writer to create the content for you instead.

Hiring a professional graphic artist and a professional writer may seem like an extraneous expense but it is actually quite important. Your e-newsletter may be the first impression many potential customers get of you and your work so it is important to make sure everything is of the highest quality.

Correspondence courses offered via email is the final email marketing strategy we will discuss. These courses may be either offered for a fee and turn into a source of income themselves or they may be made available for free. The theory behind offering these courses for free is they often contain subtle advertising urging visitors to invest in the products and services offered by your business. Whether you charge for your email correspondences courses or offer them for free, care should be taken to ensure the information contained in these courses is completely accurate. This is critical because potential customers who receive these email courses will be judging your business based on the quality and accuracy of these email courses. If they are filled with errors the potential customer may doubt the quality of your work and seek out the products and services offered by others including your direct competitors.

Read More

Personal Loan Scams

Personal loans are a great way to generate the revenue you need for a variety of needs. Such loans can be secured by banks, loan companies, private investors, and online lenders. It is important that you are aware of personal loan scams and how to avoid them. This type of scam was ranked #5 in the United States for the year 2000. On average, each person scammed lost $464. As a result, the Federal government has been working hard to educate the public about such scams.

The advanced fee personal loan scam is the most common method of taking your money and running. Most victims of such a scam never report it to the authorities because they are embarrassed that they feel for such a ruse. Victims also feel angry. They obviously needed money or they wouldn’t have applied for a loan in the first place. They now have less money than they did to begin with. Those who do report the scam are often frustrated because the perpetrators are very seldom caught and brought to justice. It is very important that you do report any such instant of advanced fee personal loan scam. If you don’t, you are further enabling the predator to do it to others.

Advanced fee personal loan scams work on those who are desperate for a loan, over trusting, uneducated, and who have bad credit. More than half of advanced fee personal loan victims are under the age of 30. The lender tells the applicant that they guarantee they can work with their situation, but that there is a loan processing fee involved. This can be a fee hundred dollars or more. With the technology available now, it is not uncommon for the operators of these scams to have websites and even 800 numbers for you to call. They will send you letters that look so official, you won’t give them a second thought.

The stories of those victimized by such advanced fee personal loan scams will break your heart. One woman had been laid off and was about to be evicted. She found another job and applied for a personal loan to get caught up on the rent. She paid the lender almost her entire first paycheck for so called processing fees on this loan they guaranteed she was eligible for. She was understandably upset when she was evicted as well as found out the lender had taken off with her hard earned money.

To protect yourself from falling victim to advanced personal fee loan scams, be careful who you attempt to borrow from. Make sure they are a reputable company. If they are an online business, check them with the Better Business Bureau. Make sure you enter there business name exactly as they list it. A well known practice of this scam is to use a name very similar to an actual reputable lending institution that applicants may be familiar with the name of.

For those of you with bad credit or no credit, don’t believe something that sounds too good to be true, it likely is as the saying goes. You may have to pay a higher interest rate if you have bad credit or no credit, but you should never have to pay any fees up front to apply for a loan or to have it processed. Some personal loan scams will call the fees you pay the first month payment or a high risk deposit. Applicants need to be aware that no such things exist. As a matter of fact, any lender must allow you to have access to the funds for minimum of seven days before they can collect a first payment. You can check the legitimacy of any fees charged by a financial institution with the Federal Trade Commission. If you are facing financial difficulties, look for advice from a reputable non-profit credit counseling service rather than a lender.

Read More