tag:blogger.com,1999:blog-68984002939012246252024-03-13T08:30:48.549-07:00Business JourneyKumpulan Artikel Bisnis Berbahasa Inggris & Indonesia yang dapat dipelajari untuk mengembangkan bisnis AndaUnknownnoreply@blogger.comBlogger8125tag:blogger.com,1999:blog-6898400293901224625.post-80964193040151786922007-10-21T00:33:00.000-07:002007-10-21T00:37:32.653-07:00Forget the Store, Save your House! Planning When to Quit your Business<div style="text-align: justify;"><strong>Author:</strong> <a title="Chris Lamela" href="http://www.articlesbase.com/authors/chris-lamela/24719.htm">Chris Lamela</a><br /><br /></div><p style="text-align: justify;">You are in business for yourself or are seriously considering it. You’ve found your niche, done your homework, and even considered some downside scenarios. But whether you have already stared your business, or are about to, there is one part of the <a id="KonaLink0" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.franchisebuyerlists.guideq.com/"><span style="color: rgb(0, 153, 0) ! important; font-weight: 400; position: static;font-family:Verdana,Arial,sans-serif;font-size:13;" ><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-weight: 400; position: static; padding-bottom: 1px;font-family:Verdana,Arial,sans-serif;font-size:13;" >business </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-weight: 400; position: static; padding-bottom: 1px;font-family:Verdana,Arial,sans-serif;font-size:13;" >plan</span></span></a> few people are eager to consider: Where to set your limits if things don’t go so well and when to call it quits.<br /><br />The word “quit” is contrary to the whole idea of <a id="KonaLink1" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.sapbyforrester.guideq.com/"><span style="color: rgb(0, 153, 0) ! important; font-weight: 400; position: static;font-family:Verdana,Arial,sans-serif;font-size:13;" ><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-weight: 400; position: static; padding-bottom: 1px;font-family:Verdana,Arial,sans-serif;font-size:13;" >starting </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-weight: 400; position: static; padding-bottom: 1px;font-family:Verdana,Arial,sans-serif;font-size:13;" >a </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-weight: 400; position: static; padding-bottom: 1px;font-family:Verdana,Arial,sans-serif;font-size:13;" >business</span></span></a>, and you may secretly fear that to plan for it will somehow create a self-fulfilling prophecy. If things don’t go so well (and the rule of thumb is that 4 out of 5 times they won’t), it is amazing how quickly you can go into excessive debt – or even bankruptcy. When things get crazy, our judgment can get cloudy, and that urge to hold on just a little longer can be overwhelming. So setting limits ahead of time is a little like making a will: Both should be done when you are of sound mind and body – and before it’s too late!<br /><br />The goal is to lay down measurable, finite limits before things get crazy. Unlike the old phrase, “He who runs away lives to fight another day,” this is not about cowardice, this is about courage to assure your <a id="KonaLink2" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.couponmountain.com"><span style="color: rgb(0, 153, 0) ! important; font-weight: 400; position: static;font-family:Verdana,Arial,sans-serif;font-size:13;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-weight: 400; position: static;font-family:Verdana,Arial,sans-serif;font-size:13;" >personal </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-weight: 400; position: static;font-family:Verdana,Arial,sans-serif;font-size:13;" >financial</span></span></a> survival just in case you are one of the “other 4.”<br /><br />Five Simple Steps<br /><br />Even if you are already in business, here are five simple must-take steps to help ensure that even if you “lose the store” that you won’t also lose your house.<br /><br />1. Make <a id="KonaLink3" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.franchisegator.guideq.com"><span style="color: rgb(0, 153, 0) ! important; font-weight: 400; position: static;font-family:Verdana,Arial,sans-serif;font-size:13;" ><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-weight: 400; position: static; padding-bottom: 1px;font-family:Verdana,Arial,sans-serif;font-size:13;" >a </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-weight: 400; position: static; padding-bottom: 1px;font-family:Verdana,Arial,sans-serif;font-size:13;" >business </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-weight: 400; position: static; padding-bottom: 1px;font-family:Verdana,Arial,sans-serif;font-size:13;" >plan</span></span></a>. There are not enough words to stress this. It is astounding how many small and medium-size businesses don’t have business plans. A little secret is that a good business plan is not measured in inches; a three-page, thoughtfully-considered, hand written plan can be worth a million times its weight in gold.<br /><br />2. Plan your limits. Business plans are inherently optimistic – that is, after all why you are doing this right? – but you need to include a section titled, “When to quit.” Keep the limits simple, measurable, and absolute. Most importantly, make them realistic so life can go on after business.<br /><br />Some examples might be: “If I can’t pay my own salary in six months”; “If I incur $25,000 in debt”; or, “If my order backlog falls below 30 days.” Simple, measurable, absolute.<br /><br />3. Find a “limit judge.” Your limit judge shouldn’t be your partner in the business, but can be a spouse or significant other, parent, sibling, friend, or mentor – any trusted associate to whom you will give complete authority to judge if you have reached your limits. It is always when we get near our limits that we may want to push them just a little – and then just a little more – until it’s too late.<br /><br />Your limit judge can also be a coach who can help you with alternate strategies, but if the time comes to quit, he or she will make that call. Choose this person carefully, and be open regarding all important business matters. Seek his or her advice, and be willing to change your plans if things start going astray, or to quit if your limits are reached. You will naturally want to question the call, so be sure you trust and respect the judgment of the person you select.<br /><br />4. Recognize the difference between “business” and “business opportunity.” In other words, know the difference between a bird in the hand and a bird in the bush. Be extremely careful of this trap. More than one storefront bakery has failed even though there were a lot of cars driving by, and more one marketing company has gone south even though the national volume of print ads was on the rise.<br /><br />Seek guidance from your limit judge to distinguish the difference between these two birds that so often look alike. It is hardest to walk away from a businesses that has lots of promising prospects, even when there is no money left in the bank.<br /><br />5. Stick to your limits – if it is time to quit, QUIT! When things get tough, don’t go to your limit judge with the intention of negotiating. Go to hear if, in his or her sole judgment, quitting day has come. If it has, shrug your shoulders and remember once more those staid words of advice, “He who runs away lives to fight another day.”<br /><br /></p><div style="text-align: justify;"><br /></div>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-6898400293901224625.post-70296018556247375192007-10-20T23:32:00.000-07:002007-10-21T00:25:39.954-07:00Does your Small Business Need a Website?<strong>Author:</strong> <a title="Marvist" href="http://www.articlesbase.com/authors/marvist/18743.htm">Marvist</a><br /><br /><div style="text-align: justify;" class="KonaBody"><div id="ArtBody"><p>The following is a checklist of questions to answer before you can think of going online with your business -<br /><br /></p><ul><li>What kind of a small business is it? If it is about selling a product, then can the product be sold online? When ordered for, can it be transported to any part of the globe?</li><li>In case of a service-oriented business, will the website be able to provide information pertaining to the service or industry? Buyers like to purchase from the net only after they are thoroughly informed. Therefore, web sites must be designed to inform the customers about the services that the small businesses offer.</li><li> How can the web site be used to cut costs? Will the web site <a id="KonaLink0" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.shopping.com"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">reduce </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">costs</span></span></a> of manufacturing, distribution etc? Also, will it be easier to communicate with distant vendors, clients and workforce?</li><li> How can the small business develop better relations with clients using their website? Small business can adapt several methods such as provide guidance, up to date information on products or services, feedback forms etc. on the web site.</li><li> How does the small business intend to reach out to its potential customers using its website? As the Internet is full of customers who know what they want and are looking to buy, it is important to have a solid marketing plan so that the business can successfully sell its products and services.</li></ul><p> Once the business decides to have a website, it is necessary to include the web site in collateral material and also <a id="KonaLink1" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.Shopping.com"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">submit </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">to </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">search </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">engines</span></span></a>, as nobody would visit it unless they know it exists. The small business should also try to get listed in directories and place banner ads.<br /><br /> What do <a id="KonaLink2" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/small-business-articles/does-your-small-business-need-a-website-199711.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">small </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">business </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">owners</span></span></a> feel about having a web site?<br /><br />The Internet has not only been useful for running small businesses but also has also helped them to succeed. In a survey carried out by Lewis, Mobilio & Associates for Homestead Technologies, Inc. in 2002, out of 970 small businesses owners in the US, 57% agree that having a website is a key to the success to their business. About 75% of the respondents believed that they couldn’t do without a web site, while 61% wanted to have a web site for their business. 86% would recommend other small business owners to build their own site.<br /><br /> In another survey conducted by Verizon SuperPages.com's Third Annual <a id="KonaLink3" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.Shopping.com"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">Small </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">Business </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">Internet</span></span></a> Survey in 2001, about 50% of small business owners having a web site communicate regularly with customers through e-mail. Another growing use of web sites by small businesses is for advertising and communications. The study discovered that 35% of small businesses with a use it to advertise or offer company data in comparison to 8% who sell their products and services through the web site. Also, 56% of business owners believe that the web site has a complete return on investment.</p></div></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6898400293901224625.post-43131767659145936992007-10-20T23:29:00.000-07:002007-10-20T23:31:53.539-07:00Office Furniture: Which Ones to be Chosen<div style="text-align: justify;"><strong>Author:</strong> <a title="Brooke Theresa" href="http://www.articlesbase.com/authors/brooke-theresa/24783.htm">Brooke Theresa</a><br /><br /></div><div style="text-align: justify;" class="KonaBody"><div id="ArtBody"><p> Furniture is an integral part of an office and hence an office needs some. Without them an office can exist but cannot run. So, every office has furniture in it. The question is how important the flashiness of <a id="KonaLink0" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.Shopping.com"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static; padding-bottom: 1px; background-color: transparent;">office </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static; padding-bottom: 1px; background-color: transparent;">furniture</span></span></a> is! Should they be plain or attractive and luxurious? Should one spend a big amount on them or just manage with the ordinary ones? Is it an investment to spend on furniture or simply an act of lavishness?<br /><br /> Well, the trend we see now gives us rather an ambiguous answer. Some cases it is seen that the <b>office furniture</b> is exorbitantly expensive, extremely beautiful and highly comfortable. While in some offices, it is seen that the furniture is of very poor quality, shabby in look and lack in comfort. So, when you compare both these conditions, you find them neither to be ideal.<br /><br />In fact, they are. Neither too flashy, nor too cheap quality office furniture can serve the purpose of an average office. The expensive ones will be out of reach; the poor one will be too bad to live up to the expectations. So, what every average company needs is furniture that is nice to look at, comfortable in use and, at the same time, affordable in cost. And the market is teemed with such furniture.<br /><br /> Many of the <a href="http://www.chworkspace.co.uk/">office furniture</a> manufacturers have vast collections of office desks and furniture systems. They range from modular operator workstations to executive office furniture. You will find a stock of wide range of style, finishing and shapes to suit your budget and office environment.<br /><br /> Whether operator chairs, ergonomic operator chairs or leather executive chairs are your choice, office <a id="KonaLink1" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.Shopping.com"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">furniture </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">manufacturers</span></span></a> have the right option for you. Reception seating, canteen seating and multipurpose chairs for training rooms, conference rooms and meeting areas are also abound in the market.</p></div></div><div style="text-align: justify;"><br /></div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6898400293901224625.post-57345671348973553102007-10-20T23:19:00.000-07:002007-10-20T23:26:57.175-07:00Consumers Can be Attracted With the Psychology of Behavioral Marketing<div style="text-align: justify;" class="KonaBody"><div id="ArtBody"><p><strong>Author:</strong> <a title="Rajesh Kumar" href="http://www.articlesbase.com/authors/rajesh-kumar/28696.htm">Rajesh Kumar</a></p><p>In today’s world of cutthroat competition, the advertisers are constantly trying to implement ways and means to attract the consumer eyeballs. As the online business flourishes, the advertisers try to make the websites presence felt through innovative means like search engine optimization, article syndication and link building. The latest kid on the block that helps marketers to attract consumers to their product or service is the <a id="KonaLink0" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.whatwemaybe.org"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static; padding-bottom: 1px; background-color: transparent;">psychology</span></span></a> of behavioral marketing. The psychology of behavioral marketing can be employed to many dimensions in objective. Its systematic tracking and monitoring of individual conducts can be extended to communication scheduling and business operations.<br /><br />The psychology of behavioral marketing enables the website owner or advertiser to understand the buying behavior of the consumer depending on their movement across the internet. The website is then adapted in terms of style, design, navigation and content to suit the needs of the user and attract the potential consumer to the site. If the psychology of behavioral marketing is applied to information search, purchase decision, need recognition and evaluation or comparison, then you can easily see a strategy fit for every segment. Marketers must easily define principles for using the psychology of behavioral marketing before taking certain risks.<br /><br />At the root of the psychology of behavioral marketing is an analysis that is based on learning the forms of behavior for consumers. This helps the marketers fully understand buying patterns of clients in a matter of time and scheduling the activities of a client that is directed not only at a single purchase, but also for a lifetime or on an annual basis. As different marketers are increasingly trying to comprehend the significance of value for the lifetime client, they are starting to appreciate the fact that behavioral marketing can be a source for producing a recurrent analytical study of consumer trends and patterns.<br /><br />For the analysis of the psychology of behavioral marketing, we must suppose that all of the dimensions determine the aptitude completely. The most advanced direct response advertiser will be likely to generate many re-targeting portions that are based on the extent to which a specific consumer went into the <a id="KonaLink1" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.DealTime.com"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">sales </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">process</span></span></a> before he decided not to close the deal by purchasing the product or service. Once advertisers who are practicing the psychology of behavioral marketing ‘distinguishes’ a target visitor as previously visiting the website, they can formulate plans to attract and retain that visitor.<br /><br />An advocate of the psychology of behavioral marketing can know the fundamental demographic and behavioral traits of customers. The advocate can then provide the behavioral marketing traits to a <a id="KonaLink2" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.cruisetocashinfo.com"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">marketing </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">network</span></span></a> and distribute the advertisements to various users that reveal those exact behaviors. Hence, as an online business owner you must strongly consider partnering with a behavioral marketing advertisement network as part of the advertisement plan, as they provide the inputs that enable <a id="KonaLink3" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.dealtime.com"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">your </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">business</span></span></a> to set different goals. The psychology of behavioral marketing when applied in context to any business can turn in to an essential tool for the advancement and growth of that particular business.</p></div></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6898400293901224625.post-21485463092126003212007-10-17T22:46:00.000-07:002007-10-17T22:51:05.042-07:00Wspearl Jewelry Inc., China's Online Wholesale Jewelry Store, is Professional Wholesaler and Supplier of Chinese Cultured Pearls. All Pearls are Direc<div style="text-align: justify;"> WSPearl <a id="KonaLink0" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/online-business-articles/wspearl-jewelry-inc-chinas-online-wholesale-jewelry-store-is-professional-wholesaler-and-supplier-of-chinese-cultured-pearls-all-pearls-are-direc-236444.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">Jewelry</span></span></a> Inc., China's online whol<span class="" style="display: block;" id="formatbar_JustifyFull" title="Rata Kiri Kanan" onmouseover="ButtonHoverOn(this);" onmouseout="ButtonHoverOff(this);" onmouseup="" onmousedown="CheckFormatting(event);FormatbarButton('richeditorframe', this, 13);ButtonMouseDown(this);"><img src="img/gl.align.full.gif" alt="Rata Kiri Kanan" border="0" /></span>esale jewelry store, is professional wholesaler and supplier of Chinese cultured pearls. All pearls are directly from Chinese culutred <a id="KonaLink1" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/online-business-articles/wspearl-jewelry-inc-chinas-online-wholesale-jewelry-store-is-professional-wholesaler-and-supplier-of-chinese-cultured-pearls-all-pearls-are-direc-236444.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">pearl</span></span></a> farms.<br /><br />Our own pearl farm lies in Zhuji city ,Zhejiang province,Where are known as "Country of freshwater pearls". It is principally engaged in the pearl breeding,pearl deep process,pearl grading, pearl jewelry products and pearl R&D. Furthermore we also carefully choose some top quality pearls from our other pearl farmers. Besides the market of mainland China and Hong Kong, Top Pearl Jewelry begun to export & wholesale CHINESE AKOYA SALTWATER PEARLS directly form our family pearl farms via the Internet from 2000. There are no middlemen - no importers,no national distributors,no retail vendors - between our customers and our pearl farms, so we can offer the world's finest pearls with reasonable prices and high quality.<br /><br /> Now our online jewelry store mainly wholesale freshwater pearl & akoya pearl jewelry & tahitian pearl , <a id="KonaLink2" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/online-business-articles/wspearl-jewelry-inc-chinas-online-wholesale-jewelry-store-is-professional-wholesaler-and-supplier-of-chinese-cultured-pearls-all-pearls-are-direc-236444.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static; padding-bottom: 1px; background-color: transparent;">pearl </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static; padding-bottom: 1px; background-color: transparent;">necklace</span></span></a> , pearl bracelets , pearl earrings , pearl pendants , and loose pearl beads , coral jewelry ,turquoise jewelry , crystal,jade,shell jewelry,lampwork jewelry , gemstone jewelry , wish pearl gift sets,oysters with pearls. All jewelry products are almost handmade. In addition, our online wholesale jewelry store also supplies jewelry raw materials - freshwater pearls,akoya pearl beads & strands, coral beads, turquoise,shell beads,jewelry class fittings, jewelry making kits.<br /><br />Our online wholesale store has our own jewelry designers, we're continuing to design new jewelry styles - Crystal & pearl jewelry, fine pearl jewelry such as bridal jewelry series,anniversary pearl jewelry, and beautiful graduation pearl jewelry. Custom jewelry designs are welcome.<br /><br />In China's jewelry industry, we are not enough a big guy, but our Professional Foreign Trade,Good English Communication, Product Quality, Competitive Price and On-time Delivery earn us the reputation in our clients all over ther world.<br /><br />Thanks to visit our online wholesale jewelry store: WSpearl.com! And welcome to visit our jewelry processing factory in Panjiayuan curio market,beijing,China.<br /><br /><strong>Author:</strong> <a title="sorrowman" href="http://www.articlesbase.com/authors/sorrowman/35720.htm">sorrowman</a><br /></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6898400293901224625.post-9932158123434341962007-09-26T15:35:00.000-07:002007-09-26T15:50:00.773-07:00How a Second Opinion Cost the Irs<div style="text-align: justify;"><strong>Author:</strong> <a title="Irv Blackman" href="http://www.articlesbase.com/authors/irv-blackman/32460.htm">Irv Blackman</a><br /><br />This is a war story. Joe, a 60-year old reader of this column, owned 100% of Success Co. He called me and wanted to know which of two estate plans he should choose.<br /><br />Here are the significant facts: Joe's wife Mary is 53 years old. His only child Sam "31 years old" has worked in the business since he was 12. Sam owns one share of Success Co. stock; Joe owns all the rest of the stock: 199 shares. The business is worth $4 million and has enjoyed about a 10 percent growth in profits in each of the past five years. This growth should continue into the future. Joe's total net worth is $10 million including a residence, various investments (mostly the real estate leased to Success Co. and a portfolio of stocks and tax-free <a id="KonaLink0" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/strategic-planning-articles/how-a-second-opinion-cost-the-irs-219848.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">bonds</span></span></a>) and $950,000 in a profit-sharing plan.<br /><br />The two estate plans Joe asked me to review ("Give me a second opinion"' in his words) follow. At the core of both plans was a $4 million life insurance policy on Joe's life. Plan #1. The life insurance policy would be owned by Sam. Joe would gift Sam the annual premiums. At Joe's death Sam would buy Success Co.'s 199 shares from Joe's estate for $4 million. Plan #2. Success Co. would own the $4 million in <a id="KonaLink1" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/strategic-planning-articles/how-a-second-opinion-cost-the-irs-219848.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">life </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">insurance</span></span></a> keyman insurance and would redeem the 199 shares from Joe's estate. In the end, the final results would be exactly the same: Sam would own 100 percent of Success Co. and the estate would have $4 million in cash instead of $4 million in stock.<br /><br /> First, the good news:<br /><br />(1) Joe's estate would owe no income tax on the sale of the stock. Why?... Because the estate would get a raised basis equal to the fair market value of the 199 shares on the date of Joe's death.<br /><br />(2) No estate tax because the $4 million of insurance proceeds will wind up in Mary's trust and receive the benefits of the 100 percent tax-free marital deduction.<br /><br /> Sounds pretty good. Joe loved it.<br /><br />Yes, it is a good plan. Certainly better than no plan at all. As a matter of fact, either of the plans outlined above""or some variations""is the most popular way of transferring a business to the next generation.<br /><br /> Now the bad news: two problems always cause us to turn thumbs down on any such plan:<br /><br />(1) Joe's team of professional advisors forgot that Mary did not need the income that would be produced by the $4 million of insurance proceeds. The other $6 million of assets owned by Joe is more than enough to take care of her lifestyle needs.<br /><br />(2) When Mary passes on, the IRS is guaranteed a big payday; 55% of the $4 million, that's right, the IRS will get $2.2 million and the family only $1.8 million.<br /><br />Plus a huge undeserved bonus to the IRS of 55% of the after-income tax balance on the income in(1) above, which is explained in the following paragraph. An outrage!<br /><br />Continuing with (2) above, watch this tax disaster unfold. Mary is a healthy 53-year old with a normal life expectancy to age 83. Her grandparents, on both sides, all lived to age 92 or older. Good genes.<br /><br />Mary's mom and dad are in their late 70s, healthy and lead an active lifestyle. Let's say Mary lives to age 85. That's 32 years of earnings on the $4 million in her trust. Let's use a conservative after-tax earnings of 4%. Have you any idea of how much that $4 million will grow to in those 32 years? Would you believe $16 million?... Really that's the number.<br /><br /> And what do you think the IRS's bite would be?... An amazing $8.8 million.<br /><br />Lousy planning! Yet, that's the way most business owners, on the advice of their professionals, do it. What should you do when your facts are the same or similar to Joe's facts?<br /><br /> Here's the four-step plan put in place for Joe:<br /><br />Step #1. Success Co. elected S corporation status. We recapitalized the company so Joe wound up with 99.5 percent of the voting stock"100 shares"(So Joe could keep control of Success Co. for as long as he lived.) Then, Joe sold the non-voting stock "19,900 shares" to an intentionally defective trust (IDT). The non-voting stock, under the tax law, is allowed to take various discounts. So, the value of the Success Co. stock Joe sold to the IDT, for tax purposes, was only $2.4 million (actually almost all profit, because Joe started Success Co. 31 years ago with $12,000, most of it borrowed.) The IDT trust is a wonderful creature under the tax law that allows Joe to collect the entire $2.4 million (plus interest) tax-free. Also, the IDT takes Success Co. out of Joe's estate, avoiding another big tax loss to the IRS.<br /><br />Step #2. We initiated a strategy called retirement plan rescue (RPR), using the $950,000 in the profit-sharing plan, to acquire a $4 million second-to-die life insurance policy on Joe and Mary. We created an irrevocable life insurance trust (ILIT) to own this policy. Because of the RPR and the ILIT, none of the $4 million in insurance proceeds will be subject to income tax or estate tax. Every penny will be tax-free.<br /><br /> Step #3. Joe decided to invest a portion of the funds in the profit-sharing plan in senior settlements (SS) to help pay the <a id="KonaLink2" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/strategic-planning-articles/how-a-second-opinion-cost-the-irs-219848.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">life </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">insurance </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">premiums</span></span></a> in Step #2. SS earn an average of 15.82% per year without market risk (created by a public company that sells on the NASDAQ).<br /><br />Step #4. We created a family limited partnership (FLIP) to hold Joe's investments and started an annual gift-giving program to give interests in the FLIP to Joe's and Mary's other two children (neither are in the business). The four-step plan we substituted for the original proposed plans will increase the amount of <a id="KonaLink3" target="_new" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/strategic-planning-articles/how-a-second-opinion-cost-the-irs-219848.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;">wealth</span></span></a> Joe and Mary will leave to their family by an estimated $5.5 million (increasing every year Mary lives and growing to over $14 million if Mary lives to age 85, as explained above) more than the original plans.<br /><br /> Joe was right: He sure needed a second opinion.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6898400293901224625.post-67737893185563756742007-09-26T15:33:00.000-07:002007-09-26T15:35:39.170-07:00Concierge Services for you<div style="text-align: justify;"><span style="font-family: verdana;">The times we live in a very different from what our forefathers ever imagined they would be. It’s fair to say that the most impressive part of our evolution as society and of the technology we are using has taken place over the past two hundred years, or even less. No matter how much the human race has changed, basically we are still the same, and some things have definitely stayed the same. As hard as it may be to believe this, there are many professions and occupations that we still see among us and that go back a very, very long time. We are not talking about wood crafting, for instance, or any other occupation that is meant to cater to some basic needs. We are talking about professions such as that of a concierge. </span><br /> <br /><span style="font-family: verdana;"><br /><br />For those who know little about this occupation, the office of a concierge originates somewhere in the twelfth century. As you can imagine, the responsibilities of a concierge have evolved in time. For instance, in medieval times, the concierge would execute justice as an officer of the King. The beginning of the twentieth century saw the concierge as a caretaker in apartment buildings. However, this phenomenon is now extremely rare, as concierges in apartment buildings have been typically replaced by door-staff. </span><br /> <br /><span style="font-family: verdana;"><br /><br />We can still benefit from the services provided by a concierge in </span><a id="KonaLink0" target="_new" class="kLink" style="text-decoration: underline ! important; position: static; font-family: verdana;" href="http://www.articlesbase.com/business-articles/concierge-services-for-you-221282.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-weight: 400; font-size: 13.3333px; position: static;">hotels</span></span></a><span style="font-family: verdana;"> all over the world. In such settings, it is the responsibility of a concierge to assists guests of the hotel with all sorts of tasks. The tasks that a concierge has to perform in a hotel typically include assisting with </span><a id="KonaLink1" target="_new" class="kLink" style="text-decoration: underline ! important; position: static; font-family: verdana;" href="http://www.articlesbase.com/business-articles/concierge-services-for-you-221282.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-weight: 400; font-size: 13.3333px; position: static;">travel </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-weight: 400; font-size: 13.3333px; position: static;">arrangements</span></span></a><span style="font-family: verdana;">, arranging for spa services, making reservations at various restaurants, or procuring ticking to various events. A concierge usually has a list of local service providers or merchants that he can rely on when it comes to fulfilling even the strangest requests that a guest might have. </span><br /> <br /><span style="font-family: verdana;"><br /><br />As you can imagine, the concierge services have found their way to the </span><a id="KonaLink2" target="_new" class="kLink" style="text-decoration: underline ! important; position: static; font-family: verdana;" href="http://www.articlesbase.com/business-articles/concierge-services-for-you-221282.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-weight: 400; font-size: 13.3333px; position: static;">Internet</span></span></a><span style="font-family: verdana;">, as well. We are talking about service platforms that are very similar to traditional concierge services. “Electronic concierge’ was born as a result of the growing demand that people from all over the world expressed as far as these services were concerned. Errand service and informational services alike can be provided by online concierge companies. The services typically include travel arrangements, dinner reservations, phone calls, informational requests, and so much more. VIP concierge services are also available online and these go way beyond the traditional concierge services, meaning the customers are provided with the best possible products and services. </span><br /> <br /><span style="font-family: verdana;"><br /><br />And since we live in a world of mobile things, you can easily imagine that mobile concierge services are also available. The mobile concierge services include mobile marketing, </span><a id="KonaLink3" target="_new" class="kLink" style="text-decoration: underline ! important; position: static; font-family: verdana;" href="http://www.articlesbase.com/business-articles/concierge-services-for-you-221282.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 13.3333px; position: static;color:#009900;" ><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-weight: 400; font-size: 13.3333px; position: static;">mobile </span><span class="kLink" style="color: rgb(0, 153, 0) ! important; font-weight: 400; font-size: 13.3333px; position: static;">entertainment</span></span></a><span style="font-family: verdana;">, mobile messaging, and so forth. All your needs can be met with the mobile concierge services available online, even if these are launching campaigns, reaching customers, or distributing content. </span><br /> <br /><span style="font-family: verdana;"><br /><br />Busy professionals and companies are probably the perfect clients for concierge companies, but their services are definitely not limited to these categories. Everyone can benefit from concierge services all over the world and whatever their needs may be.<br /><br /></span></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6898400293901224625.post-72183595437234335092007-09-25T04:06:00.000-07:002007-09-25T04:12:09.885-07:004 P (Product, Place, Price & Promotion)<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYdtyGPW-PZ9sd4UKou43GUbyJPZZiDfdVDBonfJxMUdGcQnF-miCHpldHvYH_i8qvlplVuClY4SDCnZXoVshLuMEAlOi5MLylzaBS-9xwagSIPRW0ts7zTl0zMqasPVIzAtrVtUTQyylj/s1600-h/marketing.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYdtyGPW-PZ9sd4UKou43GUbyJPZZiDfdVDBonfJxMUdGcQnF-miCHpldHvYH_i8qvlplVuClY4SDCnZXoVshLuMEAlOi5MLylzaBS-9xwagSIPRW0ts7zTl0zMqasPVIzAtrVtUTQyylj/s400/marketing.jpg" alt="" id="BLOGGER_PHOTO_ID_5114097826231115378" border="0" /></a><div style="text-align: justify;">PRODUCT<br />Produk apapun yang akan dimunculkan sudah dipastikan telah melalui proses yang panjang dan merupakan IDE yang briliant dari setiap pemilik produk. Produk apapun itu sudah pasti memenuhi kriteria barang yang dapat digunakan dan memiliki daya jual. Apalagi dagangan kita disini adalah barang sandang yang merupakan salah satu kebutuhan pokok manusia. Pasti bisa di jual terlepas dari style yang dipilih. Pakaian dalam aja masih bisa laku, kenapa baju or celana tidak!<br /><br />Produk = ada bentuknya + ada genunaannya.<br /><br /><br />PLACE<br />Ada produk, yang pasti harus bisa di jual. Menjual, perlu tempat juga. Penentuan tempat penjualan ditentukan oleh si empunya produk, dimanakah tempat akhir menjual produk tsb? Tempat juga akan ditentukan oleh siapa calon pembeli yang ingin raih. Dari kalangan ekonomi mana? Pendidikan seperti apa? Budaya-nya? dan faktor lainnya.<br /><br />Jadi perlu ditinjau lagi seperti apa lokasi distro-distro yang mau menerima produk anda?<br />Apakah lokasinya di tempat yang pas dengan kelas produk anda atau tidak?<br />Apakah lokasinya bisa menghasilkan angka penjualan yang tinggi?<br />Apakah lokasinya mudah dijangkau calon konsumen?<br />Apakah traffic-nya tinggi?<br /><br />Kalau anda menjual barang langka, gk perlu cari lokasi yang komersil. Karena dengan kelangkaannya saja sudah pasti akan diburu konsumen, walaupun keujung dunia. Gk perlu buang duit sewa tempat mahal.<br /><br />Kalau anda menjual barang yang komersil, tentunya tempat komersil pun sangat diperlukan untuk berjualan. Kalo tidak, anda akan kalah dengan barang lainnya yang sama. Kalo anda jual barang Mahal, tentunya tampilan MAHAL pada tempat berjualan juga perlu diciptakan.<br /><br /><br />PRICE<br />Bicara masalah idealisme or komersil itu kembali pada pemilik masing-masing produk. Yang perlu diperhatikan adalah ending mind kita adalah sales and make money. Yang idealis merasa cukup dengan penjualan yang stabil saja, yang komersil terus ingin menaikkan omset dan meningkatkan laba. Keduanya sama saja dan telah terbukti banyak contohnya. Idealis adalah pakem yang dianut banyak seniman, yang menginginkan sebuah kesempurnaan pada kacamata pribadi, dan ini tidak salah, karena masih menghasilkan rupiah untuk terus berkarya. Komersil atau kapitalis, lebih dekat dengan prinsip ekonomi, beli murah dan jual mahal, ini juga benar, karena untuk tumbuh membutuhkan capital yang cukup besar. Komersil yang satunya lagi, beli murah, jual murah, untung tipis, jumlah besar, ini juga benar, karena pundi-pundi kas juga akan besar sebagai akibat dari jumlah yang besar itu!<br /><br />Yang idealis juga bisa jauh lebih sukses dari yang komersil! Pasarnya NICHE, tapi cashflownya NAJIS! Contohnya seniman sekelas I Nyoman Nuarte atau Davinci meuble atau Busana pengantin yang harganya sampai ratusan juta per potong, padahal cuma di pake sekali doang!<br /><br />Yang pasti HARGA itu harus muncul, berapapun nilainya, berdasarkan perhitunga HPP+BIAYA LAIN_LAIN+UNTUNG+PERTIMBANGAN LAIN_LAIN+TARGET PASAR=HARGA JUAL<br /><br /><br />PROMOTION<br />Bentuk promo yang akan dipilih sangat erat kaitannya denga siapa calon pembeli yang anda inginkan? Kalo anda ingin produk anda dibeli oleh eksekutif muda, maka anda tepat ber promo di Means Health, Bazzar, Cosmopolitan, dll. Kalo ingin ke pasar Middle-Low, masuklah ke media setaranya, sinetron misalnya, reality show dll.<br /><br />Promosi jg bisa di lakukan online, biayanya murah, waktnya lebih singkat, dampaknya bisajauh lebih baik, asal anda rajin karena dunia online membutuhkan keseringan, bukan besar atau kecilnya bentuk promo. Promosi perlu dilakukan untuk produk Asli baru, atau baru diluncurkan lagi, ngabisin stok, jualan memanfaatkan momen tertentu. Promosi bisa jg dilakukan dengan berter. Promosi Mulut Lewat Mulut dan yang lainnya.<br /><br />Promosi diperhitungkan dari seberapa besar dampak yang anda harapkan. Kalo promosi jor-joran pun di media, tapi ketika calon konsumen tidak menemukan produk anda di pasar sama aja anda membuang uang dan akan menghancurkan nilai brand anda. Misalnya...anda promo di majalah atau catalog Nasional atau TV, ketika calon konsumen datang ke toko dan menanyakan barang anda yang tidak ada, maka dia gk akan balik lagi menanyakan produk anda dan beralih ke produk lain.<br /><br />Nah... melihat kondisi indie vs parahyangan, sebenarnya yang berbeda hanya pada pikiran kawan-kawan sebagai owner indie. Sedangkan di medan perdagangan posisi produk anda itu sama. sama persis. sama-sama di endorse artis, sama-sama masuk ke TV, sama-sama masuk MTV pula, sama-sama konsep design (artinya sesuai trend), sama-sama calon konsumennya yang telah tercipta seperti itu. Cuma...di parahyangan berani banting harga, sementara indie gk mau. dengan alasan kualitas, aksklusifitas, orisinalitas dll. Heiiii kawan...konsumen anda gk melihat itu. Jadi melihatlah dengan kaca mata konsumen. Seperti waktu pak cipta survey tentang harga Mad Evil dengan menyebutkan market yang ingin dituju. Pak cipta melihat dengan "mata" anak SMP kalangan Middle-Low, uang jajan masih dari orang tua, tapi mampu beli barangnya. Ini dia yang jelas jalurnya!<br /><br />Strategi harga miring sebenarnya belum tentu melulu image-nya rendah. Ini cuma masalah waktu sampai produk tersebut diserap oleh pasar, menjadi idola, maka image akan terbentuk sendiri. Asal kualitas baik bisa dibuktikan. Untuk hal ini anda belajar dari banyak produk teknologi china, seperti Fujitsu, ACS, Lenovo. Tadinya mereka bukan apa-apa, tapi setelah produknya diserap oleh pasar dengan strategi harga banting dan konsumen merasakan pengalaman positif maka brand china itu merangkak naik penjualannya dan menguntungkan, bahkan Lenovo sampai membeli IBM. Bayangkan!?!?!?!?!<br /></div>Unknownnoreply@blogger.com0