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How much electricity bill on this month? It’s too expensive right ? How can I reduce my waste? If you enough for these questions. I think you should look for alternative energy such as Solar power or Wind power or else you should think about How to save on your energy bill and save your money. It is time to take some easy steps way to learn How to save on your energy bill and save your money You can reduce your electricity bills by following very simple steps. This article will list some simple, easy-to-do things to reduce your electricity bill. Restricted use: Start from yourself. If you were the person who step out of your room without any concern about your computer , light bulb or any your electrical appliances and go to take a call in another room or join your family at the dining. If you would, you must stop it now! , and look around. Switch off all the appliances even if you would be back in few minutes. Yes, even that will help. This is first Way to save on your energy bill and save your money. Another thing to save energy bill is what you perceive as an electronic appliance. Would you switch off the computer and television set, turn off the fan, but not the light bulb? Yes, you need light, but when you are leaving the room you should switch it off. Taking care of these small things will go a long way in reducing the dreaded huge electricity bills. Every drop of water constitutes to the ocean. Smart choice: Choose smart choice by replacing your incandescent bulbs with compact fluorescent light (CFL) bulbs. These bulbs are a great power-saving investment. Smart investment: create your own electricity by alternative energy such as solar power generator or Wind power generator Buy the Power Save gadget. The gadget helps monitor the power supply to your house that make you know your limit and uses the minimum that is needed. Home appliance usage: Most of us complain that the electricity bill so expensive because of the number of electrical appliances they have at home. However, the electricity bill is not directly proportional to the number of gadgets you use but the way you use them. Let’s see how to save on your energy bill and avoid the typical power-wasters.
- Use the washing machine only when there is a full load of clothes.
- Keep the geyser on for the minimal amount of time.
- Keep the air-conditioner at the minimum low or high temperature, just enough to keep you off the heat or the cold outside.
- Switch off the computer monitor even when you take a one-minute break. It takes just a second to switch on the monitor again! Power saving mode is not enough!
Yeah, now you just finish easy step How to save on your energy bill and save your money Remember, if you can stick to this way it’s mean you reducing your electricity bill is equivalent to saving power, thus helping the world save power for its future generations. And global warming Learn How to save on your energy bill and save your money http://howtosaveenergybill.blogbyday.net/
Student Loan consolidation can be the best friend of any student who has just completed their course and graduated from their college or university. Most students who just come out of their college and universities find it very hard to maintain their monthly expenses as they have a bigger burden to repay their student loans taken out during their academic years and for those students who had relied on these loans heavily, consolidation can be an even better option.
Private loans normally have huge interest rates compared to that of federal loans and given the fact that a private loan repayment is hanging over your head when you are about to complete your graduation can be much more worrisome. Though a student can consolidate their private loan through a federal loan but that is somewhat impossible to get for the majority of students. However reducing the amount of monthly loan repayments can be a huge relief if the student acts accordingly to get the loan amount reduced or repayments period gets increased significantly by the lender company.
Apply for Student Debt Consolidation Loan
A cosigner is required with a private loan, though a student might not require a cosigner to consolidate their private student debt consolidation but having a cosigner can reduce the interest rate significantly to a lower rate and might even end up having a zero interest rate if the credit rating of the cosigner is above average. A lot of companies provide services of cosigner release benefits which mean that if a student is able to make the payments on time as estimated in the contract then the cosigner will be completely released from the debt.
With increase in consolidation methods, many companies are providing automatic private loan consolidation offers with their private student loans. For an example some companies are providing borrowers with interest only payments which mean that the amount of money paid as interest can get lowered and the actual loan can be consolidated. This allows the borrowers to save huge amounts of money over a longer period of time. Moreover many companies simply increase the repayment period by ten years or so which significantly lowers the amount of money to be repaid each month. However in most cases a borrower of a student loan is not penalized in case he or she is not able to repay the loan in time if it has been processed through a student debt consolidation plan.
Private student debt consolidation loans can be really worrisome for students who are about to graduate from their college and university. Moreover with the transitional phase of changing their career it can be more troublesome to any new graduates as they don’t get enough guidance on how to choose a new career. With tuition fees rising each year and more and more debt incurred during their college, private loans can be a huge burden on any new graduate student. A student loan consolidation plan can provide great relief for such student as it reduces the time of their repayment and allows the student to think more on their career goal.
Address for Communication:
P. Pirakatheeswari, 2/276, Sevalpatti, Collector Office Post, Virudhunagar – 2.
Cell: 9952836250
E-Mail: prabhasivam_salem@yahoo.co.in
P. PIRAKATHEESWARI,
Lecturer in Commerce,
Sri Sarada College for Women (Autonomous),
Fair lands, Salem – 16.
BANK MARKETING – NEVER A FULL STOP!
Introduction
Indian banking is at cross roads today. With the deregulation and liberalization process in full swing, the consequent policy changes introduced in the Indian financial system in general and banking in particular are effecting unprecedented changes in its functioning. With the emerging changes did spring up new challenges of commercial viability, cost effectiveness, effective marketing strategy, etc. Market oriented policies also gave birth to new players like foreign and private sector banks and subsidiaries offering varied high tech and cost effective Service. There was an absolute shift from sellers into buyers’ market, establishing the ‘consumer’ as the key factor in the market. The dictum “as the bank exists because of its customers, has become more pronounced and relevant in the present context”. Thus, marketing constitutes the key strategy for banks to retain good customers and also anticipate their future demands.
What is Bank Marketing?
Deryk Weyer of Barclays Bank call it “a process, consisting of identifying the most profitable markets now and in future; assessing the present and the future needs of the customers; setting business development goals and making plans to meet them; and managing various services and promoting them to achieve the plans – all in the context of a changing environment in the market”.
Why Bank Marketing?
Awareness among Customers
Modern technology has made customers aware of the developments in the economic environment, which includes the financial system. Financial needs of the customers have grown multifold into various forms like quick cash accessibility, money transfer, asset security, increased return on surplus funds, financial advice, deferred payments etc. With a wide network of branches, even in a dissimilar banking scenario, customers expect the banks to offer a more and better service to match their demands and this has compelled banks to take up marketing in right earnest.
Quality as a Key Factor
With the opening up of the economy, fast change has been experienced in every activity, and banking has been no exemption. Quality is the watchword in the competitive world, which is market driven and banks have had to face up to this emerging scenario. In fact, it may not be out of place to reiterate that quality will in future be the sole determinant of successful banking ventures and marketing has to focus on this most crucial need of the hour.
Growing Competition
Increased completion is being faced by the Indian banking industry from within the system with other agencies both, local and foreign, offering value added services. Competition is no more confined to resource mobilization but also to lending and other areas of banking activity. The foreign commercial bank with their superior technology, speed in operations and imaginative positioning of their services has also provided the necessary impetus to the Indian banks to innovate and complete in the market place.
Technological Advances
Technological innovation has resulted in financial product development especially in the international and investment banking areas. The western experience has demonstrated that technology has not only made execution of work faster but has also resulted in greater availability of manpower for customer contact.
Marketing Approach in Banks
With the need for marketing in banks having evolved out of the changing environment and constant interplay of various interdependent factors, the importance of a systematic approach to marketing cannot be overstressed. The application of a marketing approach in banks will therefore involve:
a. Identifying customers’ financial needs and wants;
b. Developing appropriate banking services to meet these needs;
c. Pricing for the services so developed;
d. Setting up suitable outsells / banks branches;
e. Advertising to promote the services to the existing as well as prospective customers.
Special Features of Bank Marketing
- Banking product cannot be seen or touched like manufactured products (intangibility)
- In marketing banking products, the product and the seller are in separable; they together define the banking product (inseparability)
- Banking products are products and delivered at the same time; they cannot be stored and inspected before delivering’ (perishability)
- Standardization of banking product is difficult (variability)
Conclusion
It is submitted that the banking system is on the threshold of a momentous era of change and continuity in growth and development, of individual customer needs and corporate practices, technology and competitions. The role of marketing in the banking industry continues to change. For many years the primary focus of bank marketing was public returns. Then the focus shifted to advertising and sales promotion. That was followed by a focus on the development of a sales culture. Now the focus is on the individual customer meeting and even anticipating his or needs and developing trusting, long-term relationships by delivering high quality personalized service. Marketing both as a philosophy and an activity; is expected to contribute immensely to the realization of goals both immediate and future. All though all the elements of the marketing concept – customer satisfaction, profit integrated framework and social responsibility must receive the greatest emphasis in the years a head. They must be guided by the dictum of Mahatma Gandhi.
“A customer is the most important visitor in our promises. He is most dependent on us. We are depending on him. He is not an interruption on our work. He is the purpose of it. He is not an outsider on our business. He is part of it. We are not doing him a favour by serving him. He is doing as a favour by giving as an opportunity”.