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Is Target Marketing Ethical?

Marketing to specific groups of consumers, or target marketing, is one of the most important concepts in marketing.

Marketers, through the ages, have identified who their customers are, and directed their efforts at influencing their buying decisions. That is their job.

In the last 30 years though, marketers have begun to identify potential buyers based on a number of factors, that make many people uncomfortable. Marketers now direct promotions at those of certain age groups, gender, race, marital status, gender preferences, and just about any other category you can place people in.

This makes many consumers and consumer advocates question the ethicality of these promotions:

Is it fair to direct ads at children when they do not have the understanding and/or capability to judge what is being presented to them?

Is it fair to target ads at elderly, living on fixed incomes, with products that they may not be able to afford?

Should companies be allowed to develop products that are specifically targeted at ethnic groups?

My answer to each of these questions, except the first one, would definitely be, Yes.

Why should a company be restricted from marketing a product to an independent, rationally thinking, adult?

Don’t I, as an adult, have the ability to determine for myself, with some exceptions, what I want to buy?

Now, if there are issues of mental incapacity we have a whole separate issue to address.

But, assuming that the consumer is able to make their own decisions; shouldn’t I as a marketer be able to present information that will help the consumer decide that my product is what they want?

Is targeting of minorities exploitative? Yes, it certainly is. But, so is almost every other kind of marketing. You are trying to exploit a need, a want and definitely a gap in a market that maybe has not been addressed.

Prior to the 1960’s most marketing ignored ethnic minority groups and concentrated on the vast buying power of larger demographic groups. An opportunity existed for companies to address a market, with significant buying power, that had not been addressed before. Is that inherently wrong? That is the way marketing works: Find a gap, develop a plan to address the gap, and then market to that gap. That is sound business practice. If companies do not take advantage of their opportunities they will fail.

Now, none of what I have said above gives companies a free license to do whatever they want, especially when it comes to my one, very absolute exception: Marketing to children and those who cannot be held accountable for their actions. Even as an adult, if I am not capable of making a choice as to the soundness of a buying decision, then I should not be subjected to marketing that may have unreasonable influence over me; And children are certainly not capable of making that decision. However, as an adult parent, I must assume some of the responsibility for buying products that are marketed to children. I must …

How to Make Money Into More Money – The Fastest Way to Multiply Your Cash

When you get to a stage in your working life that has you questioning things like how to make money into more money, in the quickest way possible, it is a sign of desperation that stems from frustration because firstly you don’t have a target to work towards and secondly, you lack the patience to properly see through the construction of money-making assets that will bring you financial joy.

Yes, there are quick ways to multiply your cash, but it isn’t as easy as inserting a twenty dollar bill, into a machine, pressing a couple of numbers and then have two twenty dollar bills come out at the end of that dubious exercise.

Unless of course that machine is some sort of casino slots machine and we all know that,that isn’t all the much by way of investment and you will probably lose more money than you can make gambling.

Your mentality needs to change and the question of the fastest way to multiply your cash should only come in the latter stages of your money-making quest, after you have decided on a figure you want to work towards.

What figure should you work towards though? That depends on the kind of lifestyle you want to live. Yes, we probably all want an expensive yacht at some or other time in our lives, but for now just decide how much money you would like to earn monthly.

If you can get by on $5,000 per month, with a little bit extra for saving and some leisure, lets take the value up to $10,000 per month.

Now, in the most simplest of examples, if you want to earn $10,000 per month passively (which is the best way to make money), you will need to have built an asset which brings in that amount each month.

Assets can be anything really, even the thin air that is the internet, or a business that operates solely on the internet.

To simplify things further however, lets say your asset is some money you have saved up and you want to put that money away in a savings account, so as to have interest to spend each month, amounting to $10,000.

Since the standard interest rate of fixed savings account can go up to 0.5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, if you are to withdraw an amount of $10,000 each month, that is 0.5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of $2,000,000, meaning you will have to have to have $2 million in your account, just sitting there collecting interest of $10,000 per month as your income.

I would confidently say that $10,000 per month is a good income to cover all your living expenses, especially if it is a passive income such as the interest from a savings pocket, which you can also use a portion of to enter into other, smaller investments that might have the potential to turn really big.

Now, the issue would then be simply building up your capital to put away into a savings pocket, which is a mission in …

The Business of the 21st Century: Review

Robert Kiyosaki, the author of the best-selling series of “Rich Dad, Poor Dad” books has recently published a new book. This is a review of this latest book, “The Business of the 21st Century”.

He introduces the book:

“In The Business of the 21st Century, I’m going to show you why you need to build your own business, and exactly what kind of business. But this isn’t just about changing the type of business you’re working with; it’s also about changing you. I can show you how to find what you need to grow the perfect business for you, but for your business to grow, you will have to grow as well.”

The premise of this book is that you can STILL experience success in business. Despite the “tough times” that are present due to the worldwide economic crisis, fortunes will be made.

But the qualifier is that you must choose wisely.

It is a current reality that American workers are competing with workers in every country in the world. Many of these workers are HAPPY to do the same work for one-tenth (or less) of your current wage!

For this reason – and many more economic factors – we are living in an era of unprecedented unemployment levels. The rates are often correlated to “The Great Depression” but that is not a fair comparison.

While the percentages of people who are unemployed may be similar to Depression levels, we live in a completely different world. The level of education, technology, and mobility are a hundred times more advanced that in the 1930’s. And yet, tens of millions of Americans are unemployed – or “underemployed” and working in jobs far below their education and experience. This is especially true of “Baby Boomers” who have very slim chances of matching their old jobs.

Robert Kiyosaki touches on this realityin his description of “The Cash Flow Quadrant”. He says ALL income earners fall into one of four categories, or four corners of “The Cash Flow Quadrant”.

The four divisions are:

Employee: These people are looking for a good job with benefits. They are also 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} at the mercy of their employers, who are at the mercy of global competition. The goal of every employee is to have some money left after paying all their expenses.

Self-Employed: These are small business owners and sole proprietors, characterized by “Mom and Pop” stores and service providers. Unfortunately, many displaced workers have tried to open a business only to find that they merely “bought” themselves a 100-hour per week job. They also quickly learn that when they stop working they stop earning.

Business owner: These people understand that maximum earning potential is only attainable by leveraging the efforts of many, many more. A business builder creates a “machine” that operates around the clock, without their direct input in every stage of the process.

One of the HUGE differences in the wealth creation potential of a business owner is the legal and ethical ability to record expenses …

How a SolidWorks Freelancer Can Make More Money

ASolidWorks expert has a chance to make thousands of dollars each month.Irrespective of where a professional is from and what his work background is, if he/she knows SolidWorks, then there’s an opportunity to earn big money.

The good thing is you can work even as a freelancer without being associated with any professional SolidWorks company. And the bad thing is not many SolidWorks professionals have even a small clue about how easy making money as a freelancer is.

People spend a lot of time and money on SolidWorks Courses and to buy SolidWorks, but only a few of them actually learn and recoup their money.So here in this article, we’re going to help some of you experts understand how to make money as a freelancer.

Some of the ways for earning money as a SolidWorks freelancer are as follows. Continue reading to know what they’re…

Design Lights: If you know how to use SolidWorks, you can take freelance projects for designing lights for metal shops. The metal industry is growing and so is the demand for 3D designs of the metal. So just check around on the net, there are dedicated sites that have such projects listed. There are chances of making some quick bucks here.

Concept Models and Prototypes: Product inventors need prototypes and concept models before bulk manufacturing is done. It saves time, money of the investor and efforts of the manufacturing firm. Therefore, SolidWorks expert can get in touch with such inventors and bag concept model and prototype creation projects.

Create 3D Models:3D models can be created using SolidWorks. There are different versions of SolidWorks such as solidworks 2012 and others. All these versions areeasy to use and make it possible to create 3D models in less time. Any freelancer can take up such works and earn quite good money from them.

3D Icons Creation: 3D icons are often created for media groups. And considering the fact that they hire freelancers and get icons created, anyone can get projects and make money. The SolidWorks pricing may vary based on the type of work.

Create Layouts: There are plenty of construction and city planning companies that post layout creation work online. It’s for the freelancers to grab the work. Basically, if you’re a freelancer, you need to keep checking freelance project sites. And immediately bid for any layout creation projects you come across.

Technical Illustration: SolidWorks technical illustrations projects are also plenty in number. SolidWorks professionals with ample knowledge can take up these projects and make money just like that.

These and many more options are available for you to make money using SolidWorks. However, it’s important that you take projects only from reputed websites and not from any random website you come across. There are quite chances of an unknown site being a scam.

How Much Can You Earn as SolidWorks Freelancer?

Earning potential as a SolidWorks freelancer is very high. An individual can earn anywhere between $1000 and $1500 per month. The pricing of projects varies …

Robert Kiyosaki Says There Are 3 Types of Education For Financial Success

According to Robert Kiyosaki, there are 3 types of education that are key to financial success in life.

-Scholastic education: This education teaches us to read, write and do math. This education is very important in today’s world.

-Professional education: This education teaches you how to work for money and if your smart get a job as a doctor, lawyer, accountant or other professional trades such as plumbers, builders, auto mechanics and electricians. The country is full of school that will give you this education to help you become more employable.

-Financial education: This is the education where you learn to have money work for you rather than you work for money. This education is not taught in most of our schools.

So many of our parents taught us the “Poor Dad” mentality where we had to get our education to go and work for someone else. Well, with the economy as it is right now, it is less stable having a corporate job than a work at home job. But as Kiyosaki’s “Rich Dad” taught him, “If you have a poor financial education, you will always work for the rich.”

I don’t know about you, but I am psychologically unemployable having gained the knowledge of a financial education through my Wealth Masters International system. I am no longer employable to work for money. I need to work for myself and have my money working for me. Nothing else makes sense, not even if I was broke would I go back to work for a paycheck. When there are opportunities on the internet where you can work form home and spend less time and create a profit rather than a wage the sky is the limit.

I came to realize that the direct sales system is a way for anyone to acquire great wealth. The system is open to anyone who has drive, determination and perseverance. Or as I also like to categorize it, the correct Mindset, Marketing and Mission. It doesn’t matter your age, gender, race, or popularity. The direct sales industry is about how much you are willing to learn, share and grow.

My experience with direct sale and network marketing is that people are very willing to share their newly acquired systems to make money. They become teachers of their trade and give back to the economy in a positive manner.

So let us all share what we have learned for ourselves about financial education so we can all create wealth and not work for the rich man any longer.…

The Top 3 Methods To Make Money From Home

The most profitable way to make money from home is through the internet. The internet has opened opportunities for people from all walks of life and you don’t have to be a technical expert to join the online business world. Everyday people are buying and selling online all the time. Here are the top 3 ways to make money from home using the power of the internet.

1. Produce Your Own Information Product

An information product, generally available as an eBook, report or video course, is something that a customer can download instantly to their computer. An information product is a great way to make money from home online because once it is produced, you can sell it again and again

People who want the best information on a particular topic are willing to pay for it. They don’t want to spend a long time searching online trying to find it for free, when they can buy it instantaneously. You don’t have to be an expert to create an information product provided that you know more about the subject matter than your target audience. You can even outsource it somebody to produce it for you and then put your name on it.

2. Sell Other Peoples’ Products

You can sell a product that somebody else has already created. When someone purchases it from you, the product owner will pay you a commission. This business model is called affiliate marketing and is often the first method that people use when they want to make money from home. There are products and services that you can sell in just about every industry and topic that you can think about.

You don’t have to get involved with product development, payment programs, shipping or delivery as this is all done by the product owner. Your job is choose the best product for your audience and get prospective customers to visit the product’s sales page where they can purchase it.

3. Use Your Existing Skills

If you have expertise in an area that other people are willing pay for you use it to make money from home. This expertise can vary from creating graphics, language translation, internet design, marketing, sales, clerical, bookkeeping or financial services. In fact, anything that you would get paid to do in a conventional job. You don’t even need to build your own website as you can sign-up with freelance websites like Elance and oDesk who have thousands of customers looking for people with your skills.…

Construction Insurance – Importance and Coverage

Construction involves large number of manpower and huge investments of money. The workers at a construction site risk their lives working at great heights, with dangerous tools, toxic materials, heavy equipment, under tunnels, etc. Here, construction is associated with high amount of risk for money and lives. A slight negligence or bad fortune on part of the worker or owner may prove too costly. It may lead to a huge financial loss. These unfortunate events require tools, which can bail the company out of the situation. Here arises the need of 'Construction Insurance', the risk management tool, customized specifically for the construction industry. Construction insurance is like any other insurance, which is used to protect the various parties associated with construction process.

A comprehensive construction insurance policy covers all the expenses that may occur due to property damage or personal injuries at the construction site. This insurance not only includes the organization owner, but also workers, employees, tenants, sub-contractors, sole proprietors and business partners.

Importance of construction insurance
As discussed above, construction uses use of heavy equipment, materials, labor, etc. And is more prone to accidents. Since the business stands for any accident on the construction site, it is the business owner or the contractor that should pay for the medical treatment charges of the injured or compensation to the families, in case of death of the worker.

Material costs associated with construction are very high. Any damage to the structure or the materials leads to huge financial loss. Insured with the construction insurance, one can seek financial assistance from the insurance company.

The buyers of the flats or the constructed property will have all rights to sue the construction company, in case of faulty construction. In such cases the construction company has to pay for the remodeling or repairing the constructed site. Construction insurance protects the builders from those claims, by providing financial assistance.

Apart from the above circumstances, construction insurance provides wide coverage, providing security to the business in case of unpredicted events.

Four main areas it covers
Construction insurance is very significant in terms of its coverage. It is very comprehensive and is specifically designed to cover every aspect of construction process, to make the business process flexible. Construction insurance covers four major areas of business insurance. They are:

Public liability insurance
Public liability insurance is a general insurance to be owned by any business which involves interaction with the customers or people in general. Public liability insurance as part of construction insurance helps the businesses in case any damage to third party property or individuals is caused by employees or the tools used in construction.

Employers liability insurance
As the construction industry involves lots of risks, any worker can get injured or die at any point of time, due to the faulty equipment or negligence of supervisors or co-workers. Employers are responsible for the health and safety of their employees at construction site. Moreover, the employees will have every right to sue the owner and claim …

Why Corporate Video Production Is Effective For Business Growth

In business, videos are used for marketing, education and even entertainment. They are powerful tools that can be used for a multitude of purposes. For these chief reasons, competitive companies allocate a sizeable portion of their operational budget to corporate video production. This has become an effective tool for business growth.

Indeed, a lot of experts say that videos are very effective in building brand awareness. In fact, marketing studies prove that businesses that have video content in their website get visitors to stay longer than business websites that don’t use videos.

In addition to that, people generally prefer marketing content in a visual format, and this is the reason why online content views average 50 billion each month. Your business can attract even more people online, or even on TV, if you present your brand and its value through videos.

And when it comes to setting a good impression, videos also work extremely well on target audiences. Businesses can really make a mark and appeal powerfully to the aesthetic sensibilities of many people. Corporate film production, expert marketers say, is one of the best ways to tell the beautiful story of the business so it can become more relatable to a lot of people. It’s one obvious demonstration of competitiveness because everybody knows how big a budget is allocated for video production, as well as how much work is involved in order to achieve the best final output.

People have this idea that if you’re doing the same thing as the big players are, then perhaps you’re an important player as well. It can be educational, as well as an effective means for businesses to expedite their processes. Many large companies actually use corporate videos in order to clearly demonstrate to their clients or customers how to complete certain processes without the assistance of support personnel.

Lastly, the videos can simplify and speed up operations by going beyond the usual hassles and mistakes of day-to-day business activities. A video can provide a fresh perspective of the business, generate more interest, appear more approachable, and perhaps, lock in more clients so that business income is increased.

Video production actually has many other benefits for business because creativity with videos depends greatly on the nature of an enterprise’s operations. So all in all, if you wish to boost your business’s performance and ensure your competitive advantage, it’s imperative to opt for corporate video production.…

Jobs For 14 Year Olds That Pay Big – Make Money Fast!

There’s nothing better as a 14 year old walking around with your own wad of cash. When you can stop begging your parents for a few bucks to buy video games or to just go out and have fun this summer, kids can have a level of freedom they never had before.

Making money when your a teenager can be tough. There’s not a lot of places you can get hired at this age, and the jobs that are available don’t pay all that well. Teenagers are stuck with dirty, messy jobs that no one else wants to do, and all for minimum wage.

That means you have to put in a lot of hours to make enough money to even be worth it.

But there’s a secret to making a ton of cash that most kids don’t even know about. There are companies online that will pay people to give their opinion. Just by filling out some information on either a movie trailer, your experience the last time you went to Best Buy, and what you think of the Nike brand, you can earn $50 or more a day.

The best part is that you don’t even have to go anywhere or write anything out. You can give your opinion online and get paid right away. All you need is a PayPal account, which is free. Then you head over to sign up for the company that will pay you for giving your opinion. That’s also free. You can fill out as many surveys as you like, which means you can make as much money as you like!…

Personal Development Plans For Musicians

You know, there’s much more to playing music than learning scales and chops. There’s a whole other side to playing music that’s in your mind and your heart. As a musician, if you create your own personal development plans and follow them, you’ll be able to do much more than you every believed you could.

Setting Goals

This is first and foremost. You probably don’t remember, but one year ago today, you didn’t play nearly as well as you do now. You also hadn’t heard some of the music that’s influenced your playing. There were ideas out there in the universe that you couldn’t have even imagined one year ago today.

So, where would you like to be next year on this day? Nobody ever gets anywhere without setting goals. Decide what it is you’d like to achieve in the next year, and then take the steps you need to achieve it.

But, don’t set unrealistic goals for yourself. This is a real confidence killer. “I want to become proficient in six more orchestral instruments in the next year.” Whoah, put on the breaks a minute! Think about what you realistically can do; take steps toward your goal, and each step along the way will be joyous and inspiring. You can do what you want, but some things take longer than others.

Keep An Open Mind

Every musician has a subconscious checklist. This checklist says, “I am this” and “I am that.” It also says, “I can do this” and “I can’t do that.”

Everybody can benefit from exploration. Get out and check out new music you’ve never heard before. If you’re a jazz player, get some hip hop records. What do you like and what don’t you like about them? What is similar and what is different? You’d be surprised how different styles of music mesh together into something else. Don’t restrict yourself.

If you’re a classical musician, go the library and check out some CDs of music from some other part of the world. If at first it sounds jarring, give it a good listen. Maybe you can bring something unique to your music from a faraway place.

Turn Mistakes Into Learning Opportunities

One thing that holds everybody back, musician or otherwise, is focusing on failure. Regret is a terrible thing. When you make a mistake, reflect on it. Think about what went wrong and how you can make it go better next time.

This is especially important with your performances. When you have a bad show, you just want to go somewhere alone and stew about it. You might want to give the whole thing up and get an office job. But, it’s really important not to think about it that way.

Whether you have a good performance or a bad performance, reflect. Think about what went well, and what went badly. What got the most audience response, and what could you maybe skip next time. This is all part of honing our performance skills.

Relax And …