Technology Service Bundles Reduce Cost to the Consumer | business services

Most people these days use the Internet for finding information on things, shopping for things and taking care of the mundane chore of paying their bills. They also use it to seek out the best deals on products and services.Search engines make finding what you’re looking for much easier than in the good ol’ days of using the yellow pages. Whereas the yellow pages are fine for local listings, the world wide web opens international doors. Simply type in the keyword term, for what you want, and BINGO! you have a wealth of information right in front of you. However, it may take some time to weed through all of that information, to get at what you want out of it.Consider these technology service related keyword examples and the results they yield on Google:* Home Office Supplies: 450,000,000 results* Satellite TV: 61,900,000 results* High Speed Internet Access: 123,000,000 results* VOIP: 112,000,000 results* Long Distance Services: 67,000,000 results* Internet Conferencing: 40,600,000 results* Web Hosting: 295,000,000 results* Home Security Systems: 481,000,000 resultsIf a person wanted to comparison shop for these technology services, they would spend days, even weeks, going through all of these results, in order to find the best deal on all of these services. And the businesses selling these services are hard pressed to get into the top 100,000 of these listings, because there is so much competition.Because of the amount of competition for individual keywords, many online businesses are attempting to create an edge over their competitors by offering multiple services, or bundled services, under one roof. By doing this, they can generate more income for themselves, and provide an environment of customer loyalty.Take for example, insurance companies… Most major insurance companies offer more than a single type of insurance. Allstate insurance doesn’t just offer home owners insurance any more. They provide discounts to their customers who purchase more than one type of policy. For instance, you can get your home owners, auto, identity theft and other policies from them, making your life easier, your premiums smaller, and generating a larger account for Allstate. They give you more options; you buy more insurance. It is win-win for both the consumer and the company.Another example of this is seen in consumer goods purchasing. Consumers can save time and money by going to a discount store, such as WalMart, over a department store. First of all, at the large discount store, a person can buy a wider variety of products, eliminating the need to go from specialty store to specialty store, for what they need. The company itself can buy in greater volume, reducing their own cost, and then pass that savings on to their customers.This type of service bundling is no longer the exception in business. It is becoming more the rule and it is expanding to cover a whole new realm of consumer products and services, technology services being one of the largest.Today, the companies who can offer a wide range of services, or access to service providers are going to become the front runners in affordability. Not only that, but they are going to be able to capture more business than their single item competitors, because they will be able to tap into multiple keyword searches, rather than simple searches for individual items.Taking the keyword examples above; if someone were looking for information on high speed Internet access, satellite TV, and long distance services, individually, most would either give up just because the sheer numbers of results would overwhelm them into just sticking with what they’ve got, or only looking at the first few pages of results, and opting for the best deal out of those. This is particularly damaging to companies who may have the best deal to offer, but don’t appear in Google’s indexing until page 100, or so.To make it easier on consumers and to exercise better SEO, companies are offering multiple services, grouping similar services under one domain. And the large corporations are subbing out services to smaller, independent brokers, to take advantage of the concept themselves.As an example, there is a companies that has effectively bundled high demand services together, making it easier for consumers to comparison shop from their single location. The services they offer are specific to certain markets without being isolated to a single market.Find services grouped together technology services such as:Local / long distance servicesHigh speed Internet accessVOIPBundled business servicesInternet conferencingWeb hostingHome office supplies and servicesSatellite TVHome security systemsWireless / cellular servicesBy doing this, they have made it easier for the person looking for these services to get them without spending days and weeks pouring through millions of search results. They have everything that a person could possibly be looking for in the area of technology services in one place.They have taken advantage of the multiple keyword search system and have partnered with other reputable companies to provide both the best in products and customer service.Let’s have a look at some of the technology services they are offering and the companies who they’ve partnered with.* Local/ long distance services — GTC Telecom* High speed Internet access — Adelphia, Bell South, Charter, Comcast, Earthlink, to name a few…* VOIP — Packet 8 (8×8 Inc.)* Bundled business services — Qwest* Internet conferencing — Go Solo* Wireless/ cellular services — AT&T, Cingular, Nextel, T-Mobile, and others…* Satellite TV — Dish Network* Home security systems — Protect America Inc.Remember the individual search results listed above? They were all in the hundreds of millions. Well, if you type this string: home security systems, satellite tv, high speed internet access, voip, long distance services, into a Google box, you will reduce the results to 360,000. That is a significant reduction.Another benefit that companies like is an opportunity for customers to earn an additional income as an affiliate reseller of these services. Doing business this way not only brings the cost of services down, but also provides a bonus for those who are interested in referring new customers. Pick the right one here and remember it takes many many customers to make any real amounts of money to go on your own. I think ACN was about 5000 customers if I remember it. If you bundle your services pay by a rewards or miles card to earn points / frequent flyer miles for you daily purchases.Income opportunities like these actually reduce the cost that consumers pay for their services, because it reduces the advertising costs to the company itself.For the consumer, this new trend in bundled services is a boon. Look for companies who offer multiple services and save time, effort and money.The choice is yours.

Investing for Beginners: How to Start Investing | investing

When most people have extra money, they tend to purchase things that they don’t really need. While the items they’re buying may be useful, that extra hundred they just dropped on the latest in tech gadgets could be put to better use by investing.Many people don’t even consider investing because they think they need thousands of dollars to get started. Not true. In fact, you can get started with as little as $25 a month. Any little bit helps and the earlier you get started, the better.Having a Safety NetInvesting is a risk, even when investing conservatively. It’s not always a huge risk, but any risk is something to consider. For this reason, you should have an emergency fund.Most experts will recommend that you have at least six months of income in the bank or in low-risk accounts such as CDs (certificates of deposit) and money-market accounts.Savings accounts grow interest slowly. The interest grows so slow, that outside of the benefit of keeping your money in a safe place, the account isn’t doing anything else for you. A CD on the other hand, will grow interest much faster, but the downside is that you can’t withdrawal your money without penalty fees, unless you’re past the maturity date.Money market accounts are more similar to the traditional savings account, but they provide higher interest. There are only a few limitations. In most cases, you will need to maintain a higher minimum balance in the account. You are also limited to the amount of checks you can write or withdrawals you make per month.It doesn’t really matter whether you choose a CD, a money market account or a regular savings account, as long as you have money to fall back on. With your safety net in place, you should start investing with money that you can spare.Creating an Investment StrategyWith investing, it’s important to set goals for where you want to be later in life. If you know where you want to be in 10 years, you can create a plan designed to get you there. Without a plan in place, you’re not likely to get there.What is that you want your money to do for you in the coming years? Do you want to get married and buy a house in five years? If you have kids, perhaps you want start saving for their college tuition? Use these big time periods in your life to create a plan for investing.You certainly want to plan ahead for retirement. When do you plan to retire and do you want to retire early? Where do you want to live when you retire?Consider all of the details, such as the cost of living where you want to live after retiring. If you want to retire early, you might have to start investing 20% or more of every paycheck, if you want to have enough money to live on for the next 30 or more years. If you’re fine with working part-time in your retirement years, you can invest much less.Types of InvestmentsOnce you have your goals in place, it’s time to start thinking about how you want to invest your money. The three most common options are stocks, bonds and mutual funds.Mutual funds are great for beginners. Without a lot of money, it’s difficult to invest in a diverse group of investments. A mutual fund makes it possible, by pooling the money of thousands of investors and using it to buy a portfolio of stocks, bonds and other securities. Professional fund managers run mutual funds.Bonds are another option, and are one of the safest ways to invest, but also have one of the lowest interest rates. With bonds, you are basically loaning money at a fixed interest rate. A treasury bond is a loan to the U.S. government, a municipal bond is a loan to the local government, and a corporate bond is a loan to a business.Purchasing stocks means to buy partial ownership in a company. When you buy a share, you are entitled to a percentage of the company’s annual profits. Because of the constantly changing prices of shares, stock market investing can be considered aggressive. The general idea is to buy low and sell high, but it’s hard to predict something like that. For long-term investing, it’s safer to invest in companies that you’re sure will grow or companies that are already successful.There are other types of investment options other than the three mentioned, but mutual funds, bonds and stocks are the most common.InvestingFinally, it’s time to invest. You’ll need either an individually licensed agent or a brokerage firm to help you buy and sell bonds, stocks and mutual funds. At the most basic level, they can simply help you make the trades, but many professionals will also offer advice and portfolio management.Brokers earn money from investors by charging commission and collecting fees. Discount brokers might charge as little as $15 or less per trade, but they will only execute the trade and nothing else.A full service broker is often a professional financial planner or money manager, who will work with you to develop a strategy and maintain your portfolio. Full service brokers will charge anywhere from $100 to $200 per trade.Always research the broker or brokerage firm before deciding to hire. Some have been accused of encouraging clients to make unnecessary trades in order to make more commissions. It’s not often, but it has been known happen.

Memorializing a Pet Forever! | Pets

While death is always hard to understand and difficult to bear, it can be especially heartrending when we lose a pet. Our pets love us unconditionally, and we build a strong relationship with them by taking care of them day after day. If your pet has passed away, then you may be looking for ways to honor or remember him. Here are a few beautiful ways that you can pay tribute to your pet after his passing.Burial StoneIf you live in a city or town, there is likely a pet cemetery nearby. You can purchase a plot in which to bury your pet. You can then hold a graveside service that is similar to those that are held for humans. Caskets and monuments are available for different types of animals, and some pet cemeteries even have pastoral services to help you during your grief.If you have buried your pet in a pet cemetery, then you may want to buy a monument or burial stone in remembrance of your friend. Choose something that makes you smile or feel peaceful when you gaze upon it. This is also a great way to pay tribute to your pet if you have buried him in your backyard. You can choose a stone or monument that adds character to your outdoor area while also allowing you to remember your pet.Cremation UrnsIf you have had your pet cremated, you can still find a beautiful way to memorialize him. There are many pet memorial urns on the market that you can use to store the ashes of your pet. You will first need to contact a pet cemetery to see if they offer pet cremation services. You can also ask your vet to recommend a company. If you want the remains of your pet, you will need to specify that you want an individual cremation, which means that your pet will be the only animal in the chamber. Otherwise, several animals are cremated together, and you will not know if the ashes you receive are those of your pet or another animal. Many cemeteries and cremation specialists offer a certificate so that you can have the peace of mind that comes from knowing that your urn is filled with ashes from your pet alone.Once your pet has been cremated, the remains will be given to you in a plastic bag. You can transfer the ashes into the urn yourself, or you may ask a friend or loved one to do it for you. You can then place the beautiful memorial urn somewhere where you will be reminded of the love you have for your pet.Whether you decide to bury your pet or cremate him, there are many options available to memorialize him. Headstones, monuments and cremation urns are wonderful ways to pay tribute to your pet as you fondly remember your time together.