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29 Mar 2015 

More small businesses embracing e-commerce

You may already have had your fill of Black Friday and Cyber Monday. But what about "Small Business Saturday." That initiative, begun several years ago, is meant to garner support for local small businesses during the holiday shopping season, especially on the Saturday following Thanksgiving.

Small businesses are of course an essential part of the nation's economic engine, and an important indicator of America's financial health. And while many small businesses suffered during the Great Recession, a growing number are picking up customers from what just a few years ago would have been considered an unlikely source: the Internet.

According to a report by Duda, a California-based "DIY" website-building group for web professional and small business, nearly one-third of 440 small business owners surveyed at companies across the U.S. expect at least 25 percent of their holiday sales this year to take place online. And 14 percent of the respondents say that more than half of their holiday revenue comes from their websites.

Play Video


How e-commerce giants are changing the face of retail

CBS News contributor and analyst Mellody Hobson joins "CBS This Morning: Saturday" with a look at the changing landscape of the American retail m...

"I think the general sentiment out there is that consumers generally shop on Amazon (AMZN) and big corporate websites," said Duda co-founder and CEO Itai Sadan. "But the fact is that small businesses expect such a large portion of their revenue to come from online means that... [they] have to prepare for that, and make sure that they're providing those consumers with a great online experience."

Sadan says the adoption of e-commerce by small businesses has been gradual. Many enterprises have embraced the web only over the past five to eight years, as firms become more familiar with online technologies and as the spread of smartphones fueled the growth of mobile commerce.

After all, many of these small businesses are themselves technology consumers, using Facebook, Twitter and other social media outlets to get their message out to potential customers. The technologies needed for a business to have an online presence have also become much more user-friendly, and an in-depth business website can now be set up in a matter of hours.

And it's not just a matter of younger, more tech-savvy small business owners getting their business online.

"It's happening across the board," Sadan notesd, with many small companies figuring out how to make technology that once seemed like a direct threat to brick-and-mortar businesses work for them.

"For example, adding a Facebook 'like' status next to a product so a person who's seen a product that they like can share it on Facebook with their friends and family," Sadan said. "These types of things are extremely important."

Play Video

CBS This Morning

Sam's Club CEO on why some small businesses owners love staying small

Sam's Club president and CEO, Rosalind Brewer, talks about the passion and agility of small business owners in this "CBS This Morning" extra.

Many small businesses are also turning to technology to extend their reach during the vital holiday shopping period, such as by offering customized seasonal coupons.

"Small businesses simply can't afford to ignore the online world anymore," Matt Schulz, senior industry analyst at, told CBS MoneyWatch. "But whether online shopping ultimately hurts or helps your business depends on a lot of factors -- perhaps most importantly, what you're selling."

Schulz gives the example of a small, family-owned art gallery in a tourist town. While that gallery may have ample walk-up traffic during peak tourist seasons, "a well-made, easy-to-use website can attract sales from all around the world, allowing the gallery to generate sales far beyond what would be possible with just in-person sales," he said.

Schulz advises small businesses to look at online shopping as an opportunity, rather than something to fear. "After all," he noted, "the reality is that it's only going to become more common as years pass, and businesses that choose not to adjust are doing so at their peril."

© 2014 CBS Interactive Inc.. All Rights Reserved.

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28 Mar 2015 

Foldable smartphones, tablets get closer to reality

By Brooke Crothers

Published November 07, 2014


A Samsung display. (Samsung)


A Semiconductor Energy Laboratory (SEL) display (SEL)

Tablets that collapse into phones. Smartphones that fold up like wallets. Those are coming and a Japanese company has the goods to prove it.  

At a recent event in Japan, Semiconductor Energy Laboratory (SEL), demonstrated a display that can be folded in three.  

 It's not hard to see how this kind of technology could cause a sea change in device development. Products will expand and collapse at will. Open a device as a tablet at a coffee shop then fold it into a smartphone on your way out the door.  

This is a big step up from the curved displays available today from Samsung on its Galaxy Note Edge or LG on its G Flex. 

"We are starting to see flexible [or curved displays] show up in phones and watches," said Paul Semenza, an analyst at NPD DisplaySearch.  "However, all of these so far have been 'fixed,' meaning that they are bent or curved once, and then fixed in place behind strengthened glass." 

On the other hand, the display shown off by SEL can be used in consumer devices whose shape is not fixed.  Bendable smartphones and tablets are two examples, Norihiko Seo, General Manager at the Intellectual Property Division of SEL, told 

In a video, SEL shows the display -- based on OLED or Organic Light-Emitting Diode technology, widely used in smartphones today -- laying flat in tablet mode.   Then it is folded in three (what SEL calls "tri-fold") into a smaller size that would be suitable for a smartphone.

So, who's going to use these displays? Microsoft is one possibility, said Seo. SEL and the former Nokia team (now part of Microsoft) have been working together on this technology, according to Seo.

Microsoft declined to comment when contacted by 

And Samsung has been vocal about this technology for a couple of years.  It demonstrated a bendable display back in 2013 that was made of "extremely thin" plastic, instead of glass, that won't break when it's dropped.  Like the SEL display, it can be flexed at will.  

When we will we see real devices?  Samsung has been talking about 2015 to introduce products with foldable displays.  

Seo of SEL -- which is strictly an RD company -- is mum on the subject of products but he adds that his company's displays have attracted a lot of interest from manufacturers. 

DisplaySearch's Semenza thinks it's a few years further out for use in a mass-market, high-volume consumer device

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23 Mar 2015 

How You Can Sign Up For Financially Sound Home Mortgages

Progressing to that time for many individuals demands a mortgage loan, although investing in a home is an excellent period in anyone's life. Here is where things will get complicated and delay the entire process of you truly purchasing your perfect home. Don't wait until it really is too late, get going now by reading the subsequent article that shows what is required to get approved for any mortgage loan.

Prepare for a fresh home mortgage well ahead of time. When you seriously considering owning a home, then you have to have your finances so as. You need to increase savings and minimize your debt. Deficiency of preparation could stop you from having the capacity to buy a home.

Try getting pre-approved for the mortgage. It can help do you know what you're capable of spend before you decide to bid on properties. It may also help you avoid getting attached to a residence that is out of your budget range. The process is generally simple: you talk to a mortgage lender, submit the individual and financial information, after which wait for their response. Some good information in this process would include the amount you can afford as well as your loan's interest rate. You can expect to receive a pre-approval letter from your lender, after which you'll possess the funds right after the seller accepts the bid. Your pre-approval process may not be this straightforward, but it could be.

Lowering your debt whenever possible increases your chances of being approved for any mortgage. When you are not in a good financial situation, meet up with a debt consolidation professional to get rid of debt as soon as possible. You may not must have a zero balance on your bank cards to acquire a mortgage but being deeply in debt is definitely a red flag.

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Usually do not hang around at your residence mortgage process. After you've submitted a home financing application towards the lender, this is where your clock start ticking. You have to send any necessary documents to the application process quickly. Any delays could destroy a cost and purchase you your deposit. Have an expected closing date, after which communicate with the lender periodically until the loan closes. Some lenders close quicker as opposed to others.

Check out government programs for buyers like you if it is your first home. These programs can deal with the fee for closing, locating the best rates, as well as help with finding lenders that will help people who have lower credit ratings.

Save up for your costs of closing. Though you should already be saving for your deposit, you need to save to pay the closing costs. These are expenses related to the paperwork transactions, and the actual transfer of your home to you. If you do not save, you may find yourself confronted by thousands of dollars due.

A set-interest mortgage loan is virtually always the best option for first time homeowners. Although the majority of your payments during the initial few years will be heavily used on the interest, your mortgage payment will remain the same for the life of the borrowed funds. After you have earned equity, you just might refinance the loan at the lower monthly interest.

Seek advice from the local Better Business Bureau before giving private data to any lender. Unfortunately, you will find predatory lenders around that are only over to steal your identity. You are able to make sure that you are just giving your details to some legitimate mortgage lender, by checking together with your BBB.

Don't sign up for new credit and don't cancel existing credit cards from the 6 months before you apply for the home mortgage. Mortgage brokers are searching for consistency. Every time you submit an application for credit, it is on your credit score. Avoid charging a large amount during that some time and make every payment promptly.

By scheduling bi-weekly payments instead of monthly installments, pay off your mortgage sooner. You will turn out making several extra payments per year and reduce the sum you pay in interest within the lifetime of the borrowed funds. This bi-weekly payment may be automatically deducted out of your bank account making it simple and easy , convenient.

On your application for a mortgage, get yourself a rate-lock. A rate-lock in writing guarantees certain interest and terms rates for the given time period. Set the velocity-lock "on application" as an alternative to "on approval". The lock-in period must be for long enough to permit for factors that could delay the financing process.

Rebuild or repair your credit before purchasing a mortgage loan. A favorable credit credit and history score qualifies you for any better rate of interest. It is also frustrating to obtain the perfect house however, not qualify for the financing you will need. Spending some time to solve your credit before choosing a residence can save you money in the long term.

You likely know you need to compare at least three lenders in looking around. Don't hide this fact from each lender when conducting your looking around. They understand you're looking around. Be forthright in other proposes to sweeten the deals any person lenders give you. Play them against each other to view who really wants your business.

If it is the first time, don't forget to calculate closing costs when obtaining a mortgage, particularly. beyond and Above the advance payment, numerous charges exist simply for processing the loan, and lots of are caught unawares by this. You must anticipate paying around four percent of your mortgage value as a whole closing costs.

If you stop paying your property mortgage, Know what happens. It's vital that you get what the ramifications are so that you actually know the seriousness of those a major loan like a home mortgage. Failing to pay can bring about a reduced credit standing and potentially losing your own home! It's a huge deal.

Ask about making bi-weekly payments to pay off your mortgage faster. This is certainly a great way to be sure to own the house faster. Alternatively, at the very least owe less when you decide to offer the home. Repaying your property sooner relieves the stress of obtaining to produce payments if you are older.

By going with a lender who proposes to finance without any closing costs, you save money on a home loan. Closing pricing is a significant a part of a home financing. To make up for that lost money, however, lenders can make up it in a few other way. Usually having a slightly higher rate of interest.

Since you now know what it requires to acquire a mortgage which suits you, you need to get as a result of work and do it. Stick to the steps organized here and begin your planning process. Soon enough, you'll locate a great lender who seems to be offering a fantastic rate plus your job will likely be done.

Proven Strategies For Maintaining Better Financial Health

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Money can have an impact on your daily life in a range of ways. In order to be in control, you need to take charge of your money. You are able to follow these tips to find out how to manage your money easily.

Keep away from online payday loans. They may be huge scams and may charge extremely high rates of interest. Online payday loans are usually illegal and may cause hardships inside your finances. From the case an unexpected emergency decide and arises to get a pay day loan, keep in mind the top rates appealing you pay.

Nurture your job, for maximum efficiency with personal finance. Because your work is the place you generate your cash, it needs to be your most important priority to care for. In case your career is suffering, then everything on the chain will suffer as well. So, make sure that you are keeping your job ranked first and foremost other investments.

Banks offer two different kinds of loans: fixed and variable rate of interest loans. Stay away from variable rate of interest loans at any cost because they can turn into a disaster. Fixed interest rate loans will have a similar interest rate through the loan's life. The rate of interest from the variable rate loans and their monthly payments change either by using the fluctuations of the market or even the contract between the bank and the borrower. The payment per month can readily reach a level the borrower can't afford.

Keep away from pay day loans. They are huge scams and may charge extremely high interest rates. Payday loans are frequently illegal and may cause hardships inside your finances. Inside the case an emergency arises and judge to get a cash advance, know about our prime rates appealing it costs.

Home equity loans are tempting but dangerous. You might lose your house in the event you miss a payment over a home equity loan. Prior to taking out any loans against your house, make sure that you is able to afford the monthly installments so you possess a significant emergency savings established.

To put yourself in a greater financial position, find all the products you have lying around the house, which you do not need. Sort these items and then sell on them on EBay. This online marketplace is fantastic for producing a few hundred dollars with items that you do not use anymore.

Track the amount of money you would spend each month. Although many people hate to be reminded of where their funds goes on a monthly basis, tracking it can help you identify methods to save wasted dollars that may search for a more worthy cause. Invest in tracking your spending just for one or two months in the beginning, and challenge yourself to discover the "fat" to trim with your monthly spending.

Be sure to pay your utility house and bills payments by the due date, every month. Simply by making a payment by the due date, these are priority payments to produce and you will definitely avoid late fees. Utility companies are also seen to report late payments to credit rating agencies, which can affect your credit.

They are able to turn that interest in to a way to obtain personal finances if someone has a desire for animals or already has a large amount of pets. By doing presentations at parties, informational presentations, or even providing tours at one's home can produce financial advantages to supplement the expenses from the animals and more.

One important thing that you can do in order to effectively manage your individual finances is by becoming a smart shopper. Usually do not spend your hard earned money on cheap deals that you simply will not even use. The funds invested in these things might be used on more significant such things as rent.

It really is never too early to show children about personal finance and savings. When they earn an allowance, have them put aside a share in to a piggy bank or even a bank account (if they're old enough to possess one). They are able to also do the same goes with money they receive for birthdays or holidays.

Stop it in case you have a practice of tossing change towards the bottom of a drawer or leaving bills crumpled within your coat pockets! Locate your little odds and ends of income and get them together in one place. Count all this up, and in case it's a large enough amount, use it to open up just a little savings account. From now on, place all that loose change in a piggy bank or another container and deposit it within your savings account consistently.

Choose your a credit card wisely. Get the ones advertising rewards if you have to utilize them for everyday purchases. There are plenty of banks offering 1-5% cash back, airline frequent flyer miles or discounts whenever you buy certain products. Select the card which matches your lifestyle and reduces your costs.

After you have saved enough money, invest it in a manner that you are certain it will grow. Find a very good mutual fund, and get as numerous shares as you can. Then, add to the amount regularly. Mutual funds are incredibly secure, and you also usually do not have to risk losing anything, by using them.

Don't automatically find the biggest containers of any product thinking you may be spending less. While that is frequently the rule frequently an assessment of the per unit cost of a product will show that it must be actually the same between bigger and smaller containers, or even that you would actually save by buying small quantity!

With regards to driving, you could save a ton of money by finding shortcuts. Relaxing in traffic or driving taken care of is simply planning to consume too much gas, and in turn, set you back large amounts of money. Check online maps to consider these shortcuts.

As opposed to going out to eat almost every other night or buying new clothing for each special day, discover how to be thrifty and manage your hard earned dollars. Keep in mind the tips in this article, to be able to begin to manage your individual finances and get away from calls from debt collectors on a regular basis.

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22 Mar 2015 

Mobile Marketing Companies Mobile Marketing Trends

Outbound marketing is the practice of utilizing traditional marketing such as television ads, direct mail, billboards as well as other similar techniques, and several savvy marketers say that this approach is growing less and much less effective. However simple and easy , simple it may sound, the actual fact of the matter is to do this job efficiently one needs proper consulting. As a digital marketing agency located in London, we provide the full range of online marketing services - from web design and development to search results optimisation, and email marketing to social media platform management.

Advertisers are preparing to discover the most efficient methods of online marketing in order that they can get targeted traffic. They might construct it bespoke, or work with a popular open source program such as Wordpress or Magento. These services use a professional team who understand what works best using the different services and products that these businesses present to these to obtain the viewers attention. They might assemble it bespoke, or use a popular open source program such as Wordpress or Magento. Without any proper strategy, some of the Social Media Marketing Agency would possess a difficult time becoming off the ground.

These marketing collaterals like brochures could not be developed by any beginner- Search marketing. You only pay for measureable results, so there is certainly very little risk and you\'re failing to have an advertising campaign and hoping it is going to be effective. Using social networks like Facebook, MySpace, Twitter, yet others enables businesses, big and small, to have a reach they might not really fully realize. You can provide information regarding your product or service through advertisements, blogs, and articles, and thus get in touch with millions through these networking sites.

Furthermore, for those willing to jump on this chance within the work of the early days will use a possiblity to earn insane incomes. But this can be costly affair when the conversion rate is low. There are many different browsers that are loved by different demographics. It works like, \'you know somebody who know somebody who is into a Digital Agency\'.

An experienced website design agency in London must have the relevant skills in regards to design and content strategy to provide solid online marketing advice and also web design and construction talent located overseas to make sure that the expense of the web site is kept low.  CEOs at smaller companies might prefer to take into account contracting using a person or agency to launch an internet marketing program. If you purchase 100 impressions and you receive 10 clicks with no sales then banner ad campaigns isn\'t for you. Search Engine Marketing.

Advertisers are preparing to discover the most efficient methods of online marketing to ensure that they can get targeted traffic. They might assemble it bespoke, or use a popular open source program such as Wordpress or Magento. From purchasing the environment time and energy to crafting what it\'s all about to finding the proper time slots on the right days, piecing together a sound advertising package to get a particular product requires diligence. They might build it bespoke, or make use of a popular open source program such as Wordpress or Magento. Without any proper strategy, any one of the Social Media Marketing Agency would possess a difficult time becoming off the ground.

Internet marketing can be a relatively recent avenue for businesses to achieve their business objectives. You only pay for measureable results, so there is hardly any risk and you\'re failing to pay for an advertising campaign and hoping it is going to be effective. Using social networks like Facebook, MySpace, Twitter, among others enables businesses, big and small, to use a reach which they might not really fully realize. Social Media Marketing.

Now that you have these tips to decide on a consultant, learn to utilisation of the search engines, and make a concrete well-informed plan together along with your online marketing consultant to flourish your company worldwide. However the fact remains that, especially inside the workplace, people do continue to utilize email communications, and therefore it remains a viable online marketing tactic, particularly for businesses. There are many different browsers that are popular among different demographics. This may be proven effective as most businesses investing in this strategy have profited through the buyers that arrive at their stores.

Another important tip will be that you never go by having an agency for its A-list clientele. The effective use of numerous strategies can enhance your business prospects. There are a few good firms that value their clients to ensure they possess the best advertising tools to promote their business and product. An effective utilisation of the Internet can lead to successful marketing since the reach of this medium is far and wide. Once you select a digital marketing agency for your company, you will wish you had done it a lot sooner using the success that you will have together with your business.

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