What is Direct Marketing Lead?

Marketing is the most important area for the prosperity of any business venture. Marketing is a communications based, integrated process through which, people and communities are made aware of products and/or services that can cater to their new found needs and demands. Marketing is the set of institutions, the activity and the processes for generating, interacting, exchanging, and delivering offerings which have value for clients, customers, and society at large. Marketing is the process of identifying, analyzing, anticipating and catering to the needs of the people in a profitable manner. The entire process begins with marketing research, followed by segmentation of market, business planning, proper execution, analyzing the sales prior to and after the promotional events. Marketing which was earlier seen as a creative art, is now recognized as a emerging science as it involves everything from social science, sociology, psychology, economics, mathematics, neuroscience and anthropology. Direct Marketing Leads is a very important aspect of marketing.

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DMA or Direct Marketing Advertising is business strategy, in which the target sector or community is identified and marketing the product or service offered to that target group. The main idea is that marketing is mainly concentrated on the consumer groups that have shown inclination towards the product through their purchasing habits. Therefore marketing is heavily focused on consumer groups where there is a high interest on the product that is being marketed. Direct Marketing Leads help in identifying that high value group. This differs from the Mass marketing strategy, in that, this approach targets only the high value consumers, whereas Mass marketing approach concentrates on all consumers. The use of DMA has several benefits. The most important one si that the funds allocated to advertising, is mainly concentrated on attracting potential clients who are more likely to consider the new product or service offered. But this also has a down part. If the potential group is not rightly identified by a Lead generating team, the whole business venture could tumble. There fore Lead generation for Direct Marketing Advertising is a very crucial part in the Direct marketing process.

Generation of Lead or Lead-gen as it is commonly known is a marketing practice that arouses interest on the product being marketed among the target consumer group or inquiry into a business ventures' services offered or products. Signing up for an advertising offer, which includes the acquisition of contact information, demographic details, etc, is what is referred to as Lead. Leads or of two types. One is the marketing lead. The other is sales lead.

Mortgage, insurance and the finance markets generally employ Sales leads. Whereas marketing leads are pretty much used in any business venture, because every business venture needs marketing. Direct Marketing Leads are those which are generated for a single advertiser offer. They are brand specific. Direct Marketing leads are always sold only for a single time , unlike sales leads. Transparency is a must when it comes to Direct Marketing leads. And owing to this leads for Direct Marketing campaigns are made effective by mapping the Marketing leads to their source. The nature of generation of Direct marketing Leads depend entirely on how the buyer decides on the product that is being Directly Marketed.

What is Good Faith?

Formal documents that enumerate all expenses related with a dealing and render an expected amount for all of the expenses is called an estimation of Good Faith. These sort of documents are habitually made use of in real estate dealings, and sometimes they are also engaged in the sales of other services and goods. In short, a good faith estimation comprises of making offering enlightened estimations of the expected figures of every expense enlisted in the document, along with a perceptive that unexpected factors could cause the increaseand decrease of the figures when the the original purchase is made. This is a common practice in Canada.

The generation of an estimate of good faith is a usual practice in real estate field. Readying the document for the required paperwork is made necessary by many jurisdictions, for any financing in real estate. In Canada, the bank, company for bank mortgage or a finance company is responsible for preparation of this document, enlisting all customary expenditures and fees which are liable to be postulation to the transaction in concern.

An Estimation of good faith prepared for any real estate dealing in Canada is generally highly detailed. In addition to the purchase cost, the document also enlists the closing expenditures, and every charge and fee related with the accumulation of interest on loan. Costs for inspections, preparation of document and the title insurance securing are just a couple of line items that are usually found in any mortgage estimation of good faith.

The elaborated estimate will likewise break down the agenda for each of these fee payments. This also accounts pointing out which fees are owed at the closing time and which fees are included into the whole funding of the security interest . Giving this level of fact not only presents the recipient a neat thought of what ought to be paid when , but even the total estimated costs of getting the property along with financing.

In a lot of jurisdictions in Canada that necessitate the preparation of the good faith estimation for a real estate dealing, there is a minimal framework of time in which the loaner ought to provide the client with a complete document. Frequently, the good faith estimation ought to be with the buyer, for not more than 3 business days aft the formal petition for the debt is received and the process begins. Nevertheless, there are some situations where the loaner might have maximum of one calendar week to fix and present the realized document.

Moreover It is crucial to notice that while the loaner would be liable to excise due conscientiousness in the preparation of estimation of good faith costs, there remains the possibility for the final concluding expenditures to be different always. This is due to the fact that, in Canada, some of the many factors, such as taxes, do not come under the point-blank control of the loaner. Should any changes in tax rates appear unexpectedly, the lender will be left with no choice but to alter the taxes in order to indicate the new tax laws and procedures. It is due to this reason that, clients should always bear in mind that even amply researched and prepared good faith estimate costs still remain only as an estimate,but not a definitive agenda of fees and charges.

In addition to the real estate field in Canada, some other professions now and then, utilize more casual variants of the good faith estimation. It is not odd for an estimation prepared in good faith is to be used for estimation of automatic repair expenditures, conveyance charges,any new construction, or repairs of certain types. Concerning real estate model, an estimation of good faith that is fitted out by any marketer or service provider should be seen as an estimation, not a accurate figure.

Revenue

Revenue, in business jargon is a form of income that any company or organization receives as part of service or the sale of goods to a certain body, or in most cases, to customers and the general public. In certain cases, interests, dividends and other monetary benefits received from other companies also amount to revenue for a company. In many companies including Canada, turnover is another term used to reference revenue. In accounting and financial investigation, revenue is habitually referred to as the "top line" due to its location on the income statement, right at the very top.

For not for profit organizations, annual revenue may be called gross receipts. This revenue includes donations from persons and corporation, support from administration agencies, income from actions related to the organization's assignment, and income from fundraising activities, and monetary investments such as shares in companies. In governments, revenue include gross earnings from income tax on companies and individuals, excise duties, other taxes, sales of supplies and services, dividend and interests.

Thus, revenue is defined as the income received by an organization as cash or in equivalents of cash. Tax is also a form of revenue extracted from citizens by the ruling state. Also, revenue is a computation or assessment of intermittent income based on a particular standard accounting practice or the rules recognized by a government or government body.

The most important manifestation of revenue by far is the government revenue. Canada usually collects revenue from its companies or citizens through a dedicated body. Also coming under government revenue is the reserve bank money. In Canada, the Canada Revenue Agency (previously Revenue Canada) is a national agency that executes tax legislations for the Canadian Government and for a good number of provinces and regions, worldwide trade laws, and a variety of economic aid and encouragement programs provided through the taxation system. Also, it oversees the listing of charities, and tax programs. It was previously referred to as the Customs and Revenue Agency until national government restructuring in December 2003, when a decision was made to divide the establishment's revenue and custom responsibilities into detached departments. Then on, the Canada Border Services Agency has become an part of the Public Safety Canada group that handles customs duties.

The CRA handles the Goods and services Tax (GST) (the value addition tax) in all states and provinces with the exception of Quebec. Here, Revenue Quebec executes the GST. On 26^th March 2009, the Ontario Government proposed that the Retail Sales Tax be synchronized with the GST on 1^st July 2010. Even though it was not unequivocally declared, it is probable that the harmonized tax will be handled by CRA.

The dictionary defines revenue as a source of generating income by a certain government body or private players who provide goods or services in return for the revenue.
This revenue adds to the wealth of the government. Hence, it is pretty clear from the above explanation that revenue is indeed the most important means of income generation for a country.

CAsh back card

Capital One Cash Back Platinum Master Card

Credit cards have become the order of the day these days and it is absolutely essential to choose one for you with maximum care and prudence. Some credit cards offer cash rewards for every said amount of money spent and for points won, but none can match the stupendous offers at stake given by Capital One, through its Capital One - Cash Back Plus Platinum MasterCard®.

Speaking of the company as such, Capital One was founded in 1988 by Richard Fairbank and Nigel Morris and is now one of the leading players in the credit card market, apart from making inroads into the loans, savings and auto finance sectors too. Capital One’s operations began in Canada in 1996 with the opening of its head office at Toronto. However, unlike in the USA, Capital One does not operate outside the credit card sector. It is the second largest customer of Canada post. Capital One now offers to you the Capital One Cash Back Platinum Master Card.

This Capital One Cash Back Platinum Master Card is certainly a one of its kind card in the Canadian market. There is a guaranteed reward of cash back on every other product you buy. You get to earn around 2% of the cash spent, and also have the opportunity to determine how you would want to receive the cash reward. And with No Hassle Rewards, redemption has been made easier– the cash back rewards will never expire. Also, the levels of earning is limitless.. Better still, you choose the mode of cash – either by cheque or a statement credit. You can request for a supplementary card for absolutely free and enjoy quicker earnings too.

So, why the Capital One Cash Back Platinum Master Card? Primarily because it gives you a 2% earning on every purchase being made, with limitless earning potential. Secondly, it promises a higher credit limit than any of its predecessors or contemporaries in the market. And thirdly, they provide an exclusively designed card for the above mentioned plan. The only condition in place is that you must have a reward balance of $15 at anytime you wish to avail any rewards. The annual payment stands at a nominal $59.

Hence, the biggest plus point of the Capital One Cash Back Platinum Master Card is that you can use it just about anywhere, the local supermarket, your plumber, to the five-star hotel room you booked last week. And get rewards everywhere, instantly. Nothing short of 2% of every payment you make, provided you maintain $15 at the time of availing the reward.

It is in this context that we can venture to say that no purchase is too small as far as the Capital One Cash Back Platinum Master Card goes. So what are you waiting for? Go grab the card and get yourself lucky!

Curling card

Capital One - Curling Platinum MasterCard® with No Hassle Rewards™

First up, we get to know more about curling for those that do not know. Curling is basically a team sport similar to bowling, which is played on a rectangular ice field by two teams of four members each. It involves hurling granite stones at the designated target called the house. Two ‘sweepers’ are involved in hurling the granite towards the target with brooms and a little help from their teammates with regard to directions. Pretty much explains why curling is also known as “chess on ice”. Although, this introductory passage will not be required by any of you crazy curling fans in Canada so to speak. To you, the sport needs no introduction. The passion for the sport runs high in the country and why not!

So what has curling got to do with credit cards must be the question ringing in many a mind? Capital One, as always, has come up with the Capital One - Curling Platinum MasterCard® with No Hassle Rewards™ credit card which associates you closer with the exciting game of curling. As with any other Capital One product, there are various rewards attached with the Capital One - Curling Platinum MasterCard® with No Hassle Rewards™ card.

For starters, the Capital One - Curling Platinum MasterCard® with No Hassle Rewards™ helps you earn one mile for spending one dollar. The company offers you hassle free rewards at the blink of an eye.

There are various ways of choosing your reward. You can become an honorary scorer by redemption of the reward miles. Additionally, you get to grab cool curling clothes and curling merchandising upon achieving the said reward points. Upon the first purchase made by the customer, he/she is rewarded with 5000 miles on the spot. The most exciting feature as offered by the card is that you get to be accompanied to a private curling centre with a professional curler. The above mentioned Capital One - Curling Platinum MasterCard® with No Hassle Rewards™ card is exclusively in the market for Canadian residents only.

In addition to this, you can use all the reward miles of the Capital One - Curling Platinum MasterCard® with No Hassle Rewards™ to fund your travel – be it attending a curling event or for an elaborately planned vacation. The above fee is also inclusive of the travel taxes. This requires a bare minimum of only 15000 reward miles. Cash, merchandise and gift purchases are other areas where you can redeem. Especially gifts, which are handy in times of special occasions. All this for nil annual fee and there’s no surprises at redemption. Any authorized user can be added and any number of supplementary cards be attained for absolutely free and this can make you watch your reward miles add up quicker than ever before.

These are only some important features of the Capital One - Curling Platinum MasterCard® with No Hassle Rewards™ credit card. Apply now and laugh your way back home, with assured rewards.

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What is rich?

RICH

The status for which every individual and every nation strives hard to achieve, the status which makes a person or nation inimitable by others, is nothing but the status of being rich. In general, being rich can defined as possessing anything from money to resources to traits which are abundant in quantity. Being rich makes oneself proud and happy and helps one to lead a sophisticated life in society. The first and foremost aim of every nation in this world is to abolish poverty and want its people to be prosperous and opulent.

One interesting fact about richness is that it does not have a straight forward definition and there is no universally accepted definition either. Each one has their own way of defining wealth based on his/her satisfaction. The concept of wealth is relative and it not only differs from country to country, but the diversity is very well manifested in different sections of the same society. The impact of richness and wealth on the society is so heavy that it has led to social stratification .The stratification of society puts people of the same society under hierarchical arrangements based on their wealth and richness. However, this social stratification is also not universal.

Surprisingly, richness and atheism may go hand in hand, the countries which are richer has a populace that does not have faith in religion. Nevertheless, in countries where atheism is mandatory, we cannot see a great deal of personal economic wealth thanks to the communist ideology which demands equal distribution of wealth and richness among people.

But when it comes to personal wealth it cannot be generalized. If we take the world’s richest people, it comprises of both atheists and believers. As a proof to the above mentioned statement, Bill Gates is a agnostic, whereas Mittal and Mukesh Ambani have strong faith in Hinduism.

Canada is the tenth largest economy in the world and is one of the richest nations in the world. Wealth and economy of Canada differs from region to region .Thanks to the trade with Asia there has been a rapid growth in Western Canada and oil wealth provided a boost to Alberta and Saskatchewan. In the late 19^th century, the four Atlantic Provinces underwent a decline after the collapse the fishing industry. However in recent years these provinces started showing resilience after offshore oil and gas have begun to flow into these regions. This changed the mindset of people who had planned leave the Atlantic Provinces and migrate to some other place in order to improve their standard of living and gave them hope. In Newfoundland and Labrador there has been surge in wealth and economy because of oil and gas exploration despite many were moving to Alberta in search of rich and high standard of living. The above stated examples divulge the impact of wealth and richness on the Canadian economy , one of the world’s largest economies and how it can change the composition of the society. The importance on rich and wealth is obvious from above discussed facts, yet its up to oneself to define the extent of its importance.

What is employer?

What is ‘Employer’?

A certain job organization that performs said tasks to alleviate problems given to be solved always consists of two parties: employees and employers. The employer is a generic term that refers to the person or institution that recruits an employee or worker as such. The work done by the employee is recognized by the employer in terms of wages, be they hourly, daily or monthly, depending on the nature of work or the duration for which the employer extracts work from the employees. These wages offered to the employee are inclusive of all the benefits and overtime.

Employers range in a wide field of sectors employing people, right from small scale start-ups to government structures. In almost all Western countries like Canada, the employer is primarily the government that employs a maximum amount of its work force within its purview in small and medium scale private sector companies. The employer can exercise a great amount of power over the employees, but this also depends on various factors. The most important of these is the employee-employer relationship. Interests, control and motivation are the tools that generally decide the nature of employee employer relationships in organizations.

Interests are mainly monetary in nature, and require the employer to reward the employee as such with a stable and deserving pay for the amount and nature of work the employee does. Control generally handles managing the work force by the employers in order to facilitate better management of the unit and to increase production and maintain sustained growth. Motivation is however more complex and needs the employer to keep the employee in good spirits so as to encourage better productivity. Motivation comes in direct conflict with control. Greater the control being thrust on an employee, lesser the motivation.

Now, certainly as can be seen from above, the three factors influencing employment relationship lay in direct conflict with each other, thus making the employee-employer relationship a hard task to achieve.

All the employers reach an agreement with the employees or the unions representing them in the form of a long term contract. In Canada, employee rights are protect by the Ministry of Labour(Ontario) and Commission des normes du travial in Quebec. In Canada, the Canadian government is the largest employing franchise, recruiting a large number of qualifies and potential candidates through its child organization called the Canada Crown Corporation. The Crown Corporation performs all basic necessities of the Canadian day-to-day life, and recruits candidates to work in the numerous organizations coming under its purview. Canada also rewards its most prestigious employers by publishing the Canada’s Top 100 Employers list each year. Started in 1999, it aims at rewarding companies that provide excellent working conditions and the best of human resource facilities. This list is selected by Mediacorp Canada Inc., a publisher of employment-related periodicals. Each year, the scribes who work on the above project meet at the Top Employer Summit and is also the largest event for top HR-Professionals in Canada. Canada indeed is a very fruitful destination for any prospective employer, going by the above stated facts.